News on Youtube May 1 2018

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Hi everyone and welcome to another

edition of Homebuyer's School, today I'm joined by Troy Champ, mortgage

advisor with the Mortgage Tree, and today the topic that we're looking to discuss

is, saving for a down payment on a house. So for the first question Troy is, how

much should I save on a down payment for a house?

Well the minimum down payment on

a house is 5% of the purchase price if your purchase price is under 500,000, the

best way to start saving for that is just with your personal savings. If you

don't have any money there, a great way to do it is through your RRSP's. You're

allowed to use your RRSP's as a first-time homebuyer so the nice thing

about investing money into your RRSP's is you get money back when you do your

income taxes which you can then reinvest into RRSP's to increase the amount of

your total down payment.

So is there any other ways besides an RRSP to save?

Well you can save through TFSA's,

your personal savings account and

sometimes the bank will even allow you

to borrow some of your down payment.

Okay, and when should I start saving for a down payment?

It's never too early to start saving, it does take quite a while to save up 5%

and I could say that if you are short, there are a few programs out there called a

flex down mortgage where you're able to borrow a portion or all of your down

payment as long as your credit meets their minimum requirements and that you

can debt service that loan payment.

And when you're looking at the flex down

payment, is that paid through the course of your mortgage?

So it's a separate loan

for a flex down mortgage, the loan for the down payment's

completely outside of the mortgage and you're just taking a personal loan and

using that towards the shortfall of your down payment.

Great. Is there other things you want to add in terms of

saving for down payment?

It's easiest to save monthly, and I think if you set monthly goals that's going to

make it much more attainable rather than if you have a yearly goal.

And for a first-time homebuyer, is this something that they should be saving

years out in advance?

Yeah it's going to take a few years to save when you're

looking at the average home in Calgary being over $400,000 takes quite a while

to save up that $20,000, so the earlier you start the better off it is.

Awesome, well thank you very much for the information. Thank you for joining

us and we'll catch you next time.

That's another edition of

Homebuyer's School.

Tune in next time for more expert tips

and tricks and visit homebuyersschool.ca

to bring you one step closer to finding

your dream home. As with everything, it

would be great if you like and share our

videos. Also please let us

know if you have any home buying

questions you want us to answer.

For more infomation >> How to save for a down payment on a house (and top tips to start saving) - Duration: 2:54.

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How To Email Marketing (The Single Biggest Mistake Many Email Marketers Make) - Duration: 4:12.

the single biggest mistake many email marketers make and don't even realize it

hi Jason here and in this video you're going to learn the single biggest

mistake the email marketers make are you making this same mistake I know that

I've been guilty of it and I know how difficult email marketing can be if not

done right I've been there but this video will highlight the single biggest

mistake many marketers make so you can avoid it

okay without further ado let's talk email marketing

if you asked a group of marketers this simple question

when you send an email to your list what's your number one goal

what answer do you think you'd get?

to get readers to open it to get readers to read it to

give some useful info to build rapport to sell a product

those are all good answers

but they're also all wrong answers

of course you want them to open

the email read the email build some rapport maybe give some

useful info but none of these are your primary objective

so what is?

to get the click that's it

everything else is simply in support of that number one goal

ideally you want to train your list to click your links like mind numb robots

you want them to click automatically without thinking because

it's what they always do when they open your emails

you don't need to sell the product the sales page or video you send them to should do that for you

you don't need to tell them everything about the blogpost you're sending them to

the post will do that for you

so how can you improve your click-through rate?

give great information people will like you and

trust you if you give them great info that helps them clicking the link is

just a natural extension of that

show them the what but not the how

you might give them a really useful tip on what drives super targeted traffic but to

learn how to do it they need to click the link

don't always send them to sales letters

send them to fun stuff to show them your blog post your videos and even

other people's stuff now and then

and now and then surprise them with a free product

your email tells them a method to list build using Facebook

then you send them to a link that will give them 5 more list building methods

and when they click the link they see a very short sales page offering the product for free

how much do you think they love you right now

and what are the odds that they will click more of your links in the future just in case

there is another free product on the other side

of course your list and your niche may call for slightly different methods

but bottom line your primary goal of email

marketing is always to get the click because the more trained your list is to

click the more money you will make in the long run

I hope you found this video useful please like and leave a comment about whether you agree or disagree

about the importance of the click

and don't forget to subscribe to my channel

for more videos helping you to grow your online business and wherever you are in

the world have a great day

you

For more infomation >> How To Email Marketing (The Single Biggest Mistake Many Email Marketers Make) - Duration: 4:12.

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How Much Is The Human Body Worth? - Duration: 3:31.

Hey there.

Welcome to Life Noggin.

Would you be willing to let some sketchy guy slice you open in his basement to harvest

one of your kidneys?

What if you were promised a nice chunk of money in return?

I really hope your answer is still no, but for some people, this payout is apparently

well worth the risk.

While my animated body is valued at basically nothing, your human bodies are pretty valuable.

Just how much is the human body worth?

Let's add it up.

Black market organ harvesting from dead and living people is an incredibly huge and lucrative

industry.

It's estimated to be worth a whopping one billion dollars.

In this market, kidneys alone are sold to people in need for about $140,000 a pop.

And some organs go for even more.

Take lungs for example.

Estimates value a set of lungs at almost $300,000!

And the almighty heart?

A whopping $595,000.

But the people selling to the black market are only paid a tiny fraction of these selling

prices.

The rest goes to the middle-men and women making the transactions.

And it's not just major organs, all kinds of valuable body parts are in demand on the

black market.

Do you think these 1s and 0s would go for anything, because i have a lot of them!

Underground organ sales and transplantations originally came about for a number of reasons,

but a major one is the fact that the legal organ transplantation system is seriously

lacking.

Recent estimates quote that there are over 100,000 people on transplant waiting lists

in the United States alone and 20 of them die waiting each day.

So, when people are desperate, sometimes they turn to the black market in a last-ditch attempt

to save their lives.

With $1 billion floating around this illegal market and massive organ shortages affecting

so many people, some are starting to question whether you should be allowed to sell your

organs.

Which got me to thinking, does anywhere allow this?

Kind of, yes.

In Iran, people can sell their kidneys through the government, which then gives them to patients

who need them.

This very progressive practice came into play in the 1990s in response to the huge shortage

of donated kidneys.

It's been extremely effective and now Iran is one of the few countries in the world without

a kidney shortage.

But it's more than major organs like kidneys and hearts that are in demand.

On the black market, skull and teeth sets are sold for about $1,200.

Small intestines, $2,500.

Blood, about $3,000.

Bones and ligaments add up to roughly $5,000.

Corneas clock in around $20,000.

And skin is also surprisingly valuable, with the average person's outer layer being worth

about $24,000.

All making you a pretty pricey product.

Now, keep in mind that these estimates are just that, estimates.

There's no official price list for black market organ sales.

But when we take all these price points into account, the human body seems to be worth

over $1,000,000 on the black market!

Does anyone want both my legs, because my animator can just give me new ones!

So how do you feel about all this!?

Would you ever consider donating your organs? or

let us know in the comment section below what we should talk about next?

Curious to know what happens after you die? Check out this video!

The bacteria in your gastrointestinal track will start to break down tissues and cells.

liquefying your body and producing horrific smelling gases like methane and hydrogen sulfide.

as always, my name is Blocko, this has been Life Noggin, don't forget to keep on thinking!