News on Youtube May 22 2018

CLOSED CAPTION BY YOUTUBE! hey what's going on what's going on welcome welcome today we're talking

about I want to go over how much money you can actually make wholesale in real

estate okay a lot of people have a

misconception a massive misconception on what's possible so I'm gonna switch

screens over to my screen so you can see and then we're gonna cover that in a

little bit of details here all right but before I get into that don't forget make

sure you download my book if you're a first time out here welcome welcome make

sure you subscribe to the channel we're gonna have some fun I wanna share this

to three secrets as plainly shortly here there's another video where I explain it

elaborately what you want to do is Google seven secrets there's a little

bit more to seven secret Real Estate's that's a video that you definitely need

to watch that's a whole selling okay but this is the three secrets right here

it's like a quick overview of it we're gonna do that in a second here the book

the free book you can find at we're not talking about driving for a dollar today

so I'm gonna delete that the book you can find right here my

Empire procom also to give you a bonus access to a seven days free course just

go through WWE Empire phu kham and take advantage of that ok alright so with

that being said let's go on here are there's something else that I wanted to

really quickly share we're gonna keep this simple we're gonna continue to keep

this simple as simple whatever is gonna help you make the most value

it's basically what we are going to be covering in details as we move on

forward ok on this channel this channel is basically the place where you can

come and you're guaranteed to learn ok even if you don't do any business with

me I want you to learn ok maybe you can just click Share then you know that will

bring my own to me you know awesome but don't forget to if I see anything that

makes any sense to you don't forget to click like at least once throughout this

session don't quit get more than once because if

you click it again I think takes it out okay so let me see here

let's see I'm just going to duplicate this real quick I'll duplicate slide

that's all I needed to do yeah let me hope I didn't take out uh-oh I'm

just Lee all right so let me go grab that so there's a little a little quote

that I put here that I want to share with you before I dive into a little Q&A

all right all right you go all right so I'm gonna minimize that

first of all take out the numbering system here take out the on the line and

make this 12 I think to off is good enough and then we're gonna spread this

out all right so we are always adjusting things as we go you know just to see I

can make sure you're learning something here all right

so here say it's more importantly okay how much money can you make host and we

listed more importantly I want to talk about how much money can you make

hosting real estate in this digital age okay everything is everything is

shifting and a lot of people are not paying attention and they're gonna end

up wasting a lot of resources because they're not paying attention okay so

direct mail letter barely works and all the wholesalers are fighting over the

bread crumbs left after I'll say left over after all the smart marketers all

right when I say smart I mean digital okay I've taken all the motivated

sellers who sellers are set a left with each other calling each other from fake

postings or non-existent properties on Craigslist

many of them are stuck with 2005 strategies sold to them by hotel gurus

and they wonder how come there is no deals what is the solution to getting in

front of motivated sellers with no competition and buyers that actually

closed was realistically available money to be made in this is usually $7,000 per

deal $2,000 or $82,000 which is my highest right so that's the question

that I pretty much want to answer here when I came I came pretty much

you right now before I dive into Ingram any father let me just straight-up tell

you okay I mean let me let me show my face when I'm saying this everything is

shifting okay and you know that and you're in denial you just tell in denial

if you're in denial I was exactly where you are right now in 2006 and seven you

know my friend Bob who was my mentor and I'm one of my best friends in the

industry actually told me at the time that I needed to change my strategies he

said it and I was like get the hell out of here it's gonna you know I was

invisible because I was closing deals every month and was closing deals that

transitions on the road at the offices of schools and deals everywhere so I

thought it would last like that forever you know and then 2008 came and Lehman

Brothers Bear Stearns all those companies disappeared and there's no

more loans I had 30 deals on my table that I couldn't close I couldn't find a

qualified buyer that would actually that they would actually give money to other

bank because I was addicted to old ways of doing things and man waited on till

last minute and everything busted in my face the only luck I had was I didn't

have a luxury lifestyle so I was able to survive now what I want to share with

you is this okay don't don't wait till last minute okay it's the traffic is

right here Oh iPhone dropped everything all the

attention you need see the peopling stops selling properties they didn't

stop buying properties it's just that the attention has shifted okay so if

you're stuck on driving four dollars and knocking on doors

it's no wonder where there's no deals if you stop on direct mailing that is

million is the worst thing you can spend money on right now period I mean don't

wait until you run out of all your money in your bank account I went through that

by the way - all right so I'm saying that from experience don't do that to

yourself all right so how much money can you make that's also shifted can you

make 80 grand right now yes it can it's possible but if you're working you can

get lucky okay if you're working hard and getting the two the three the four

seven to five you can get lucky you increase your chance of getting

lucky and making the killers but really this is a volume game we ended in the

volume game error you know you're in a game where you can master a few skill

set I'm going to share some tips here with you in a second where you can be

closing five seven deals a month at five seven grand

they still had to up really nicely plus you don't have to do as much work as you

would do on the killer deals it's too much emotional mental and even physical

energy that goes into trying to close killer deals plus it's not the best way

to build cash flow in most cases you get addicted to a big check and it doesn't

show up next month and then you wonder how come you know what happened right I

mean that's a mistake don't be like me okay so pay attention to what I'm

telling you right here get good at closing five six seven deals at three

four five ten thousand dollars a month and then and then how do you do that by

mastering how to generate leads from the internet okay all the attention is on

the internet there's zero competition the only people you can find on the

internet right now are the Guru's the ones that are trying to teach you the

old-school stuff but regular people like you like that trying to close the next

deal find a nice deal you need to master you need to learn the skills it's a very

simple skill it's something that I teach about six weeks you've been you be a

master in six weeks okay you'll learn so much that you'll be

untouchable but you know why because most people are gonna avoid that most

people are gonna have an excuse one way the other legitimate excuse by the way

but does exactly the same thing stop them from getting closer to their dreams

alright so that's what I wanted to share with you here really quickly so how much

money can you make I just kind of explained that it depends and it really

doesn't matter as long as you can create volume and guess what you can create

volume right now using digital marketing leveraging digital marketing I don't

care how savvy you are if you haven't learned this stuff you need to learn it

if you're going to outsource is you still need to learn it if you have

somebody's gonna help you is to need to learn it it doesn't matter you need to

learn it okay because things are changing here's another reason why you

should learn it even if you have the money to outsource it right things

change so fast with the technology age that you could end up becoming a victim

of the other books what every by that a few years ago the yellow books went out

of business right there was - I don't see it any longer by my doorstep by the

way but they would dump the yellow book at the doorsteps over and over and you

pick it up and just put in the garbage right so eventually they woke up this

that way everybody is talking about the internet less sell some search engine

optimization which is one of the skills you will learn here by the way right

unless let's sell that and it was selling people that for fifteen eighteen

grand there were seven companies $15,000 $18,000 was selling this same disservice

to people and they're not did not deliver in it okay there's no way they

can deliver it because it's an it's a moving target okay it's a moving target

which is why you need to learn the fundamentals because once you learn the

fundamentals then it doesn't matter if it's a moving target you understand the

concept D the background the underlining concept of how the internet works the

algorithms the search engines the what Facebook ones which is ultimately people

staying on their website that's what they want that's how they make money

and how to serve them how to take care of them how to get your own piece of the

pie in the middle of all that and literally keep your business to 30 to 90

minutes per day that's what I'm talking about here right now okay so with that

being said I think I answered that question how much money can you make it

depends you know but I think even if it's a thousand dollars you can make I

do right now with this skill set it wouldn't matter because you close as

many deals as you want then you can skill it's easy to scale a business when

you can actually measure that's why I call it this smart hole selling because

it's specific measurable attainable right I forgot II always forget the are

right and then the T but you get it measurably really what I wanted to pull

out there right time time time time time V right that means you need to be

marketing in the year that you live in okay if you're living in 2018 market

like you're in 2018 don't mark it like you're in 2005 makes no sense right it

just doesn't make sense right so so that's what we have here so with that

being said let me go see I can do one I wanna to question an

answer here okay I think I think I answered that question how much money

can you make on sale in real estate there's a lot of money you can make

especially if you are ahead of the curve if you're not trying to act like

everybody else and trying to shy away from what you need to learn you don't

have to learn it anyway if you belong in this game right so with that being said

I'm gonna go here and I'm gonna Google this topic okay because I want to make

sure I cover or maybe one or two questions that people may be asking with

regards to this particular question how much money can you make hole selling all

right so I will try to do this in real time all right

well basically we'll go here well I gue good it's I don't necessarily want to

google it but let's see what Google says anyway since we're here I wanted to

search on YouTube okay so here is the profits may not be as big as other real

estate investing business models but you can generate a healthy income just by

all seven houses you can make an average of 5,000 to 10,000 per deal with very

little effort of work well this person typing is here I have a feeling they're

traditional right but when I see when I when I tell you with very little effort

or work I mean that it's from a digital marketing error standpoint okay so it is

possible to do two or three also deals for time each month oh I don't know

about part time there's no such business as part time it's a lifetime okay

there's no such thing as part-time or full-time in business and

entrepreneurship its lifetime you you there's no such thing as work-life

balance either you have fun you should suppose to have fun doing this and if

you need to wrap it around your lifestyle your children then you can do

that obviously you have the flexibility but if you're not thinking this in your

dream then you don't belong in this business okay Point Blank period there's

no such thing as part-time I'm just being honest with you and I don't want

to sugarcoat anything for it for you here okay

alright sure let's do this I click let's click on video video right how to so

this guy says I'll make a hundred thousand dollars a year that's

absolutely very possible that's that's understatement

that's very very positive especially when you learn it from a

scalable business standpoint right so that takes me into YouTube that's a good

place so I guess I'm always gonna google it

alright alright so another thing that I'm teaching here can you shut up some

joven all right this guy's cause I'm over me all right

he does exactly what I'm gonna be teaching you okay would you to do with

your business okay and he I think it makes it like a million dollars a year

for sorry a month Emira dollars a month so doing exactly

what I teach you except that his product is not real estate this product is

consulting and consulting for marketing and and I think itself courses on

consulting what I teach you when it comes to real estate is consultative

real estate wholesaling okay you have people calling you as opposed to the

other way around okay you will have people calling you as

opposed to you code calling people okay that's what I teach you here and it's

very easy and in the long run is a lot cheaper is the best use of your time but

is this is an ad okay this is an ad so the actual video is after click on skip

alright alright and I don't know who this gentleman is but apparently a bunch

of people listening so let's go into his comment box alright our fantastic

overview of wholesaling in the room unnamed estate that's not a real

question but if you buy a great deal it just be okay that's not a question sure

I see there's a question here somewhere

okay where is it okay

wait there you go okay is this same thing as buying subject to alright so

this person asking is the same thing as buying subject to so he's talking about

wholesaling so my subject to is it means buying subject to the existing mortgage

on a property okay so you go to a property the only time this is feasible

by the way is only if you have if that's enough equity in the property okay if

there's not enough equity in the property it's alright I mean imagine if

a property is worth $200,000 they owe $400,000 on it or anything above 200,000

that means it's under water damage is has negative equity right and then

you're not buying subject to the existing mortgage that means you'll be

paying for the mortgage when you buy subject to an existing mortgage that

means you're taking over the mortgage to pay for the property obviously that

would be a conflict off of purpose I mean why would you wanna take over a

property that's already underwater and it's negative cash flow negative

underwater negative equity why would you want to buy subject to the only reason

why you want to buy a property subject to these two reasons because it's they

owe money on it that's not a lot that means they have a lot of equity in it

the second reason is maybe you really can't you don't have credit or you don't

have the cash to purchase outright right which is the first choice you should be

doing if it's really good equity in it you should be buying it outright and you

should be putting on that contract for a price that they can walk away with

something but you can have a chunk of equity in it right ideally 35% right

which is 65 100 minus 65% of the ARV minus the repair cost why an ideal

situation sometimes it's not that good but you can be creative with it but

that's the ideal situation right if you have that situation where the mortgage

is that low how much they owe on the property maybe taxes you can buy subject

to that means you are taking over the responsibility financial responsibility

of the property and then that also means that you better you you own the property

you the deed goes to your name that's what's subject to means okay subject to

existing mortgage so this is a this is a it's a buying strategy is not

our investing strategy it's just a buying strategy okay this does not

involve this selling of it at least not an unleash at least not at an initial

stage right so that's what that means so it's not the same thing just you just in

case you are wondering - yeah okay so apparently Matt is from bigger pocket

bigger pocket is a big platform they have a lot of content on there also when

you say what who sells us we say that wholesalers will find a house for for

$40,000 an MLS and sit on the contract what exactly do you mean how would you

lock down a contract like that without having to go through the actual process

of buying the house alright so that question is pretty clear so pretty much

you put a house on the contract and then you try to assign the contract all right

the reason why if you ever put a house under contract disclose the numbers that

that good to you and you are kind of sure that you're the almost very sure

that you will find a buyer that would be interested in the deal that you just

found okay so for example if your house is worth a hundred thousand dollars and

somebody's willing to sell it for $50,000 you put it on the contract for

$50,000 because you can see that that deal is 50 cents on a dollar right

because that that kind of like passes the the 65% ARV test right if you need

about two three thousand dollars of repair you take that out of 65 you could

pretty much pay as much as up to sixty two thousand dollars for the house okay

and an investor would be happy to give you money so if you find such deals you

put it on that contract that's what Matt was talking about yes or whoever was

doing the video right but this person said how would you sit on it well the

ideal situation is not to sit on it the ideal situation is do not have to sit on

it you put on that contract within a few days you find somebody interested in the

deal you have signed a contract and be close if you have to sit on the contract

they do that you secured was very bad in the first place okay and I have that

from time to time by the way like for example I just had a situation with a

three family house here and the the property the homeowner was not purged

he he didn't want to go to short sales or anything like that but also he was

eyeing enough to not be able to do for me to not be able to put it on that

proper contract and flip it to a cash investor so we decided to to work with

him because it was open to the idea of helping him sell it too so we've had to

work with him and then we stupid on that contract but he was very aware that

we're not trying to buy it ourselves he's very clear on this and that's

another thing you need to be understand that it's okay to just be straight-up

honest with your once you build rapport with the seller it's okay to be honest

with them your wholesaler you find deals for investors it's very simple

your if there's a few investors in your network and apparently you like it or

not you don't have to tell them that upfront but if they asking too many

questions and they ask you they are talking to you but they like you you see

that it looks like they like you just be honest with you they said listen I gotta

check with my investors if they like this situation but I like the number let

me put it under contract if you're honest with people the business would be

a lot more easier for you I mean just come to the table with your honest hat

that make sense all right so how would you lock down a contract well it's not

locked down is it's like you secure the contract with a bad deal that's the only

reason why you ever need to lock down but essentially lock down means you put

it on that contract meaning you have the right to buy that property at the price

that you put on the contracts like an option to purchase the property okay is

an option to purchase the property and yes with the contract with the standard

sales contract you're also saying I'm gonna purchase the property but if you

have the assign or Clause right behind your name it also gives you rights to

assign the contract and you can also put contingent on a few things on successful

tie to work on successful inspection on satisfactory numbers of comparables you

can put whatever you want it's a contract as long as there are where

you're putting it on there then it's all good it's all good right but the main

goal is to help this motivated seller get rid of a property they don't want

that's the mingle okay so this is like that without actual process of buying a

house there will be an actual process of buying houses if you secure a good

number okay let's see a theme and maybe one more I think that was it

that was all the question okay how do I find a wholesaler if I'm looking to buy

into real estate how do you find a wholesaler all sellers are all over the

place they've saturated the market but most of them don't know what they're

doing by the way most of them are gonna watch this video so if you want to know

what you're doing you know what to do what to do is you wanna go through my

Empire procom and download my free book and book a session with me for free and

then let's take you through the journey to becoming a superstar smut wholesaler

okay but anyway yeah there's a ton of wholesalers all over the place if you go

call one of the houses listed on on Craigslist right now you can probably

find a host other there but it's probably the best way to find some is to

go to go to a meet-up in your local area real estate investment Association

Meetup you go to meetup.com like this right and let's see here you let me go

here and if you see it zip code from wherever you are and then you can type

in real estates here I need to come up it's a search so for me a real estate

investment investor we just click search see what comes up and it gives you all

the meetup that's coming up in your area flipping houses 101 buy real estate

investors creative entrepreneurs blah blah blah a few of them will come up you

go to one of these meetings you will find a ton of wholesalers okay

but there's a chance that they don't have deals for you okay as many of them

are really struggling oh yeah I used to do a meet-up I stopped doing this so

they're asking for a new credit card again I don't you know all the stuff of

manual work this day so we stayed digital okay so hopefully that was

enlightening for you hopefully that was enlightening for you you wanna learn how

to build a buyer's list which is the number one thing you should be doing now

to create the best deal fast Empire procom are you looking for motivated

seller list you want a coke all just go to my paper comm slash red X the book is

really the priority of where you want to be at right here my empire procom

alright so if you like what we've done so far

and uh what I want you to do is let me see here what I need you to do for me do

me a favor okay this is the video where we are right now so I'm live right now

all right so I'm gonna have to mute myself with it quickly before we start

making noise to each other all right so right here what I want you

to do is I want you to help me click on that thumbs up right there and click on

share button to share it to everybody okay and if you have any questions

anything like that scroll down I'm posting down if you're on a mobile phone

just search for those features on your mobile phone and that's it all right

so let's let's learn how to do this properly okay so you can start closing

some deals as well okay let's see here yep so click like share comment below if

you have any questions comment below any contributions and don't forget to

download your book hopefully you've been enlightened and educated and I will see

you on the next one please

For more infomation >> How Much Money Can You Make Wholesaling Real Estate? - Duration: 25:11.

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REPORT: Here's How Much Deep State Paid 'FBI MOLE' to SPY on Trump - Duration: 4:49.

For more infomation >> REPORT: Here's How Much Deep State Paid 'FBI MOLE' to SPY on Trump - Duration: 4:49.

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REPORT: Here's How Much Deep State Paid 'FBI MOLE' to SPY on Trump - Duration: 3:59.

REPORT: Here's How Much Deep State Paid 'FBI MOLE' to SPY on Trump.

If it's confirmed, that Deep State operatives within the FBI paid a mole to spy on President

Trump, the FBI, as Devin Nunes said, it's "game over" for the already disgraced

agency.

And that's exactly what it's looking like.

A new report claims to have the actual dollar figure the mole (reportedly Stefan Halper)

was paid to spy on an American citizen, and it's a lot, folks.

From Daily Wire

More details have begun to emerge about the Cambridge professor who allegedly acted as

an FBI informant on the Trump campaign, including how much money the federal government paid

him in 2016, when he was allegedly attempting to draw out information from campaign advisers

about "collusion" with Russia.

According to public records, Stefan Halper, a 73-year-old American-born professor at Cambridge

University with ties to both American and British intelligence stretching back decades,

received $282,000 and $129,000 in 2016 and 2017, respectively, from the Department of

Defense's Office of Net Assessment, the internal think tank that reports directly

to the secretary of defense (then Ash Carter).

As the New York Post notes, it is unclear how much of the money if any from the Office

of Net Assessment was directed to Halper for his alleged role as an informant on the Trump

campaign.

Halper was identified by multiple outlets after reports published Friday by the Washington

Post and New York Times provided enough details about the Trump campaign "spy" for other

outlets to connect the dots.

Both reports described an American-born British academic who met with Carter Page and George

Papadopoulos, two Trump campaign advisers who have since been ensnared in the federal

Russia probe.

In response to the allegations, President Trump announced Sunday that he is calling

on the Department of Justice to investigate "whether or not the FBI/DOJ infiltrated

or surveilled the Trump Campaign for Political Purpose" and to find out who in the Obama

administration may have played a role in the alleged operation.

"I hereby demand, and will do so officially tomorrow, that the Department of Justice look

into whether or not the FBI/DOJ infiltrated or surveilled the Trump Campaign for Political

Purposes – and if any such demands or requests were made by people within the Obama Administration!"

he tweeted Sunday.

On Sunday, the DOJ responded to Trump's demand by saying they were going to "expand"

their ongoing FISA application review to include "whether there was any impropriety or political

motivation in how the FBI conducted its counterintelligence investigation of persons suspected of involvement

with the Russian agents who interfered in the 2016 presidential election."

"The Department has asked the Inspector General to expand the ongoing review of the

FISA application process to include determining whether there was any impropriety or political

motivation in how the FBI conducted its counterintelligence investigation of persons suspected of involvement

with the Russian agents who interfered in the 2016 presidential election," DOJ spokesperson

Sarah Isgur Flores said in a statement Sunday.

"As always, the IG will consult with the appropriate U.S. Attorney if there is any

evidence of potential criminal conduct."

Deputy Attorney General Rod Rosenstein also responded to Trump's call for an investigation,

saying in a statement, "If anyone did infiltrate or surveil participants in a presidential

campaign for inappropriate purposes, we need to know about it and take appropriate action."

what do you think about this?

Please Share this news and Scroll down to comment below and don't forget to subscribe

USA FACTS Today

For more infomation >> REPORT: Here's How Much Deep State Paid 'FBI MOLE' to SPY on Trump - Duration: 3:59.

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How long should you sleep each night during your HSC...[CASE STUDY] - Duration: 1:28.

I was one of those people who at the beginning of high school did not sleep

very much.

Like I would be up all night watching TV shows and stuff and I don't

know I'd get maybe like four or five hours a night which was crazy and then

of course you get to the kind of the dip in Year 10 and you're like I just don't

have that energy anymore. So I was sleeping probably like eight to ten

hours every single night and if I didn't, if I had to have a late-night studying

or whatever then I would definitely catch up on it and it made me so much

more happy and relaxed and I think everyone kind of hears like nine hours a

night and they secretly think it's not doable at all but you can do it you've

just got to force yourself to. Part of it it's like my body needed the sleep so I

couldn't stay up later because I just felt terrible but you just have to force

yourself to work on a schedule that ends at 10 o'clock. You finish your work

at 8:00 and then you've got two hours to like have a shower and wind down and

stuff and watch TV or whatever. I definitely needed the sleep and I do

attribute that to me not being as stressed and getting better results!

For more infomation >> How long should you sleep each night during your HSC...[CASE STUDY] - Duration: 1:28.

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Trump's Furious After Seeing How Much Obama Paid Informant To Spy On Trump Campaign - Duration: 2:29.

Trump's Furious After Seeing How Much Obama Paid Informant To Spy On Trump Campaign

The Obama administration sent in the goons to spy on the Trump campaign as a safety net

in case the improbable happened and Trump won.

There are other theories floating around out there about how this scandal happened but

the easiest way to find answers is to follow the money.The money always tells the right

tale and this one is bad for Barack Obama.

Because they paid the spy…he wasn't some concerned informant as the media wants you

to believe.

He was on the payroll and when you are on the payroll you are expected to deliver or

you won' t be on the payroll for long.

From Zero Hedge: Less than a week after Stefan Halper was outed

as the FBI informant who infiltrated the Trump campaign, public records reveal that the 73-year-old

Oxford University professor and former U.S. government official was paid handsomely by

the Obama administration starting in 2012 for various research projects.

A longtime CIA and FBI asset who once reportedly ran a spy-operation on the Jimmy Carter administration,

Halper was enlisted by the FBI to spy on several Trump campaign aides during the 2016 U.S.

election.

Meanwhile, a search of public records reveals that between 2012 and 2018, Halper received

a total of $1,058,161 from the Department of Defense.

Halper's contracts were funded through four annual awards paid directly out of the Pentagon's

Office of Net Assessment (ONA).

Established as the DoD's "internal think tank" in 1973 by Richard Nixon (whose administration

Halper worked for), the ONA was run by foreign policy strategist Andrew Marshall from its

inception until his 2015 retirement at the age of 93, after which he was succeeded by

current director James H. Baker.Based on Mueller's witch hunt it looks like Obama and the deep

state got their money's worth.

For more infomation >> Trump's Furious After Seeing How Much Obama Paid Informant To Spy On Trump Campaign - Duration: 2:29.

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Living in A Van: How much does van life COST? how much do you NEED to start? - Duration: 16:37.

So first off, my apologies for the background noise if there is any because

I have two fans going on either side of me. It is pretty hot. So today we're just

gonna be talking about a few really common questions that have to do with

living in a vehicle and money. So a few days ago I asked - I think on Instagram

and Twitter, just if anybody had any questions that

had to do with this lifestyle and money, and there were a lot- there were a lot of

questions actually. Some of them not really pertaining to money so I kind of

just saved them and I'll go over them at a later date. And then there were some

that were on topic, but they are better saved for another video that I'm gonna

make which is gonna be about my budget and my main expenses and kind of like a

monthly breakdown of money like how much I spend a month and all that good stuff.

So that's coming later. For now we're just gonna focus on like all of the

other questions that have to deal with money specifically like, I think the

number one most popular question is "how much does van life cost?" and then

probably in second place would be like "how much of a savings do you have to

have before you start?" So that's the road that we're gonna travel down today and

there's gonna be just a ton of questions that I'm gonna go over. Ok so naturally,

that brings us to question number one How much does van life cost? Now the

answer is super simple, but I know a lot of people are not going to be very happy

with this answer. And I would say that van life costs as much as you want it to cost.

It can vary from person to person. So I personally have lived a vehicle

dwelling lifestyle with making as little as $400USD a month.

Now was that pretty? No it wasn't. And there are reasons that that happened, but

the point is is that I'm here, I'm alive, and I was able to sustain myself with

that little amount of money. So like would I recommend trying to live off of

$400USD a month? Honestly, no I would never

recommend that to somebody, but the idea behind it like the fact that I could

survive on that little bit amount of money is to me what makes the

lifestyle so exciting is because it's so malleable. Like I can live on $400USD a month

or I can live on $4,000USD a month and of

course the difference in those two lifestyles or anywhere in between on

that spectrum is gonna look completely different, but like I said just

reiterating the idea that like I could survive like that.... because I can

guarantee you, there's no way that I could have survived making $400USD a month

and like living in an apartment or living in a house because that doesn't

even really cover rent you know what I'm saying. So yeah. So for this question

in particular I really don't- I don't like to look at it as like "how much does

van life cost?" because it's so hard to answer. It's really like, how much money

do you have? And what can you do with that money? Unfortunately, there's not

like a set amount. Like oh if you have $20,000 you can live this lifestyle,

you'll be set. It's different for everyone because you have different

expenses every month, there's different things that you like to do, different

ways that you like to eat, just like entire lifestyles are different okay so

like- you can't- Just the way you can't be like "Oh how much does it cost to live in

a house every month?" It's like well, it depends on what kind of house you have

and what kind of lifestyle you have. Like your budgeting is gonna look different.

So unfortunately, there's not a set answer to that question. The best answer

in my opinion is that it can cost however much you want it to cost.

Of course, you know, it can't cost $0 a month. Like you know,

you gotta be a little practical. Okay so moving on to question number two, and I'm

just gonna read off of my laptop the questions that people wrote. This one-

Okay, question number two: "how often are you running around with $0 to your name?

and what do you do to get out of being broke?" So for the first part of

that question: how often am I running around with $0 to my name?

Never, never ever. You know, I've gone through experiences in the past, I think

we all have, that have really shaped how I view money, how I value it,

what I do with it, and it's impacted the rest of my life. So I have made it a

point to never be broke. I mean, sounds pretty reasonable right?

So there's never a point where I don't have any money.

And for as far as like: how do I refrain from being broke? I budget. I have a

really really rigorous and strict budget plan that I stick to, it's definitely not

for everybody, but it works really well for me. So again, that I'm gonna be going

over in a video later, but the reason that I really wanted to include that

question is because I know that- you know, a lot of people think that because if

someone lives in a van then they're automatically broke. And it's like, no...

car dwelling has actually afforded me to have the most amount of money that I

have ever had in my entire life. As opposed to when I lived in a house and an

apartment. So I think it's important to- I don't think anyone, regardless of what

you live in, where you live, whatever. I don't think anyone should ever have $0

to their name. You know, that's just not, it's not really responsible, it's not

really wise. I'm aware that sometimes circumstances happen and like you can't

control it and that's really unfortunate, but as far as like if something is in

your control like you should never have $0 like that yeah yeah okay.

Question number three... And so this one is actually three questions grouped together.

They're all just kind of on the same topic. So it's like, "Do you have to start with a

lot in your savings? How much did you save before you started? and Should you

save money before doing this?" So you can see they're all kind of tied together. So

we're just kind of gonna work our way backwards with this one. On the topic of

like "should", should you save money before doing this? I think that if you're trying

to be responsible, mature, and practical...

yeah, you should save money before doing this. Ideally, having some sort of cushion

to build off of would be great. However, then we move into the territory of how

much should you save before doing this. So again, this is another

question that's super personal. You can't really put like a set dollar amount on

it. It kind of depends on like what van you wanna get, how much it's gonna cost

you, are you gonna want it professionally built out, are you gonna build it out

yourself, like the types of materials you want to use, are you going on like are

you doing everything on a budget are you trying to just make it as nice as

possible and make it super fancy like you know, there's all of these little

things that are going to affect the cost. So as just a general suggestion, if you

are going the route of like "okay I want to save money before I embark on even

buying a vehicle", I think that's really smart and I think the best thing to do

would just be to get a general overview of all of the things, all of the things

that are going to cost you some money such as like I said earlier: the van, the

materials, who's building it and how much is that gonna cost, how often are you

gonna want to travel as far as like frequency/distance and the gas mileage

on the vehicle that you're looking at. if you can kind of just get like a rough

idea of your like ideal setup/goals then you can kind of see how much it's gonna

cost you and that will just give you like a really good base number to work with

so you kind of have a better idea like how much money really need to

accomplish everything that you want. And then you can kind of like budget it out,

put like some money aside monthly or however you want to do it. But I think

just having an overall view of like what you want and how much that is

realistically going to cost will definitely help you start setting out

small little increments and baby steps that you can take to get there.

I don't necessarily think that you have to save- like if something's gonna cost you

$30,000 I don't think that you have to save $30,000 before you start. However, if

you want to, that works too. See, that's where it's like- it's kind

of just whatever works best for you, however much money you make a month,

however much you can put aside for all of this stuff. And so how much did I

personally save before doing this? None, nada. The reason for that

simply being because I didn't plan on moving into a car it was something that

just kind of happened and so I didn't have any savings prior to moving into a

car. And it's not like when I was paying rent and living in a house I thought

like having a savings was a bad idea you know, didn't think that at all. It was

just you know, I was living that paycheck-to-paycheck life yo. Literally

all of my money went to bills. If I tried like really really hard I probably

could have saved like $20 a month, which would have been better than nothing, but

that's just not how it went down. However, I did start actively saving

my money once I moved into a car. That is the sole reason that I was able to

afford a van, is because of the fact I moved into a car, saved a whole bunch of

money, like okay now I have some savings oh I could buy something. So I definitely

think it's wise and helpful to have a savings prior to starting if that's

possible. However, if it isn't... I don't think that that should be something to

hold you back from starting. So in short, should you save money before doing this?

Yeah probably, but do you HAVE to? No, you don't have to. Alright here we go

topic number four, I'm gonna call these topics instead of questions because some

of these have like multiple..... bird..... questions. "Do you keep all your money on

you or stash it somewhere? How do you manage how much cash you keep with

you while you are on the road for safety?" So I don't keep all my money on me,

I definitely stashed it somewhere... at the bank. How much cash do I usually have on

me? Honestly most of the time none. I mean I don't keep money in the van because I

mean people could break into my van at any point in time and then yeah that

would be really bad. So I definitely don't do that. And as far as

like keeping cash on me, there's not a lot of stuff that I've found I need cash

for. If anything I'll keep like a twenty, but even if you're like in a group of

people and you guys are like splitting a cost with something they have apps for

that like you can just send them money you know, and like gas stations take

card like most places take card. So yeah, I don't know, I don't- I'm having trouble

thinking of a situation where it would be like super clutch that you just have

like a bunch of cash on you. In my head that kind of just sounds more dangerous

than helpful so I'm not sure like I just- me personally, I don't really

keep that much cash on me and like specifically for safety reasons because

you know, someone steals your debit card you can cancel your card, report like

false charges or things that you didn't buy, and they can refund you and you can

get a new card. Versus if someone steals your cash like you're just- that just

sucks dude. Ooh here's another popular one

numero cinco "How much does a van conversion /van build cost?" Ah you guys, these are

all- you just can't put a number on it. Like there are some people who you know,

I'm sure you've seen videos of people who are like "oh van conversion for under

$1000" but then there's some people who their van conversion,

including like the van itself and everything, are like $50K

sometimes even more. Like it really just depends on like what

elements you want to put in it, how much time you're willing to spend on it, if

you're doing it yourself or if you're paying somebody to do it, like all kinds

of things. So a van build or a van conversion can again, this is one of

those things where it's like it's not "how much does it cost?" it's "how much

money do you have? how much money are you willing to spend?" type of deal ya feel?

So that kind of ties into topic number six which is what is my budget or do I

have a budget for my van build? I do not have a van or like a budget for my van

build. I've never sat down and said like okay $20,000USD that's the

cap, I'm gonna work within those confines and do everything that I can within that.

And I think that'll be a little easier to explain when I show you

guys how I budget all of my money as a whole, but how do I say this

concisely.... I know that there are certain things that I want in the van and I know

there are- I definitely know there are things that I don't want to skimp on and

so even though they would be- they're a little more pricey, that doesn't matter

to me because I'm trying to invest in quality the first time around rather

than going the cheaper route and then that backfiring on me and then I have to

buy something again because I didn't just go with the expensive option the

first time blah blah. I don't think the more expensive the better, just

in certain- in certain things you know you get what you pay for at times. So

partially for that reason, but also because I just didn't want to constrain

myself or stress myself out by saying okay like here's the maximum you can

spend work some magic with those numbers. It's like no, it's like if I want

something I'm just gonna buy it. And not like I have all the money in the world

and I'm rich or something it's more of like okay I have set my eyes on

something that I want, this is how much it costs, so now I have to budget and

actively save and accumulate X amount of money so I can purchase said thing.

And then again and again and again until I have all of these things in place and

the van will be. Alright, number seven "How does one make money to pay for bills/necessities?"

Okay, here's the deal: you know how like when you live in

a house or you live in an apartment... you gotta make money right? So you work to make

money. When you move into a vehicle nothing changes. I want to say that this

is probably pertaining to more of like how do you get a job that allows

you to travel full-time because that's a little trickier and I have the video on

that I talk about I wanna say it's like 10 different jobs you could

get and then I even have a separate video on 10 different websites that you

could use to get those jobs or something like that I'll link them. But you know

living in a vehicle does not equate to traveling full time, traveling full time

does not equate to living in a vehicle. There are plenty of people who do either

or and don't do both. And so getting like freelancing jobs or jobs

that allow you to travel full time all the time it's a little bit trickier, but

it's still manageable. And as far as like how do I personally do it... this

thing is- how do I personally do it? I have a couple of freelancing jobs. I go

through the website upwork.com that's one of the ones I've talked about before.

it took me a while to get jobs on there- is that gonna stay? No... I had to you know

try really- I think I applied to like 50 jobs before I even got like one. So don't

be afraid to just stick to it and keep applying. But I will also

definitely take a regular job, and by regular I mean like a traditional-style

job where you have to be there you know, a certain amount of hours. That thing is

gonna be the death of me. Okay that is all of the money questions that I have. If you have

any more leave them in the comments, if you've got any suggestions about any of

the things that I talked about or anything at all that has to do with this

topic leave it in the comments, because money is a very important topic. We could

all always use more information on the subject so please feel free to share and I'll see you guys next time.

For more infomation >> Living in A Van: How much does van life COST? how much do you NEED to start? - Duration: 16:37.

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FBI Trump campaign spying allegations: How much did Obama know? - Duration: 4:17.

For more infomation >> FBI Trump campaign spying allegations: How much did Obama know? - Duration: 4:17.

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How much cost/worth Heart Sack? Don't let you Scam!! Subtitulado a Español - Duration: 4:27.

For more infomation >> How much cost/worth Heart Sack? Don't let you Scam!! Subtitulado a Español - Duration: 4:27.

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How to become financially comfortable - Duration: 7:01.

It's no secret that having a financial plan to follow is a key to saving and keeping debt from becoming unbearable

The problem is the part about following it. Consider the Charles Schwab 2018 Modern Wealth Index assessment, which compiled information on a thousand participants

It revealed that individuals who follow a written financial plan tend to be regular savers and effectively manage their debt

But only one in four of those surveyed have and follow a plan, and three in five Americans surveyed live paycheck to paycheck

 When asked how much they thought they would need to save, survey respondents said they would need $1

4 million to consider themselves "financially comfortable." To be "wealthy," they said they would need $2

4 million.The Schwab index revealed that "Planners" -- those who have a financial plan -- also are more likely to exhibit several other positive financial behaviors

They pay their bills on time and still find room to save each month. In short, they live on less than they earn, and they always find a way to put some savings away

Individuals who follow a financial plan also have an emergency fund. Because unanticipated expenses, such as a car or home repair, or uninsured medical bills, are going to happen

Also, losing a job can disrupt the best-laid financial plans and lead to a sudden increase in debt

That's why it's important to have an emergency fund of at least three to six months worth of living expenses

 Finally, the Planners report that they never carry a credit card balance, they make other loan payments on time or have no debt

 The most common reason people gave for not having a financial plan is that they don't think they have enough money to need one

Other reasons include not knowing how to make a plan and not being confident they would stick to it if they made one

What would it take to save $1.4 million? The answer largely depends on how much time you have to save

If you have 30 years to save, and start putting away about $1,000 per month, invest it and earn 7

7 percent annually, you may be able to accumulate $1.4 million. If you have just 20 years to reach that goal, the monthly amount you'd need to save more than doubles to over $2,400

Many younger workers can make progress toward this goal by enrolling in their employer's 401(k) plan as soon as possible

You should find out how much you need to contribute to receive the maximum matching contribution from your employer

Most employers want you to contribute at least 6 percent of your pretax pay to get a 3 percent match

Six percent is good, but make it a point to contribute at least 15 percent of your pay each year into your 401(k) plan

If you can't afford that amount, begin with the minimum required to get the maximum matching contribution and automatically increase your contribution each year and every time you get a raise

Some 401(k) plans have a feature called a contribution escalator. It allows you to automatically increase your contribution by a defined amount on a preset date in the future

One more thing: In just a few minutes, you can take the Modern Wealth Index survey and receive your own personal score

After you do, think about one positive step you can take today toward improving your financial security -- and do it

 

For more infomation >> How to become financially comfortable - Duration: 7:01.

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How much was Meghan Markle's wedding dress and who designed it? - Duration: 2:48.

How much was Meghan Markle's wedding dress and who designed it?

Meghan Markle left many fans eagerly waiting for the reveal of her wedding dress and it didn't disappoint.

The simple, elegant design has been met with a lot of praise and it has since been revealed just how much though was put into the process.

When Meghan's dress was revealed for the first time on Saturday, Kensington Palace revealed more details about the though behind its design.

Kensington Palace said: 'True to the heritage of the house, the pure lines of the dress are achieved using six meticulously placed seams.

The focus of the dress is the graphic open bateau neckline that gracefully frames the shoulders and emphasises the slender sculpted waist.

'The lines of the dress extend towards the back where the train flows in soft round folds cushioned by an underskirt in triple silk organza. The slim three-quarter sleeves add a note of refined modernity.'.

How much was Meghan Markle's wedding dress? An exact value for the royal wedding dress hasn't been released, but most speculation estimates that the dress could have cost anywhere between £200k-£400k.

It is made of high quality fabric and the simple design makes it quite time consuming and a complicated process to make.

Meghan veil was made from silk tulle with a trim of hand embroidered flowers in silk threads and organza. It also honoured all of the countries of the commonwealth with flowers embroidered into the design.

Who designed the royal wedding dress? The wedding gown was designed by Clare Waight Keller, who worked closely with Meghan Markle when designing the dress.

Clare is a British stylist who studied at Ravensbourne College of Art, followed by the Royal College of Art.

She has worked for a number of big-nbame designers including Calvin Klein, Ralph Lauren and Gucci, before moving to Paris and joining Givenchy as the first female artistic director for the company.

Givenchy is a company that produces luxury fashion and perfume and it was first formed in 1952.

In a statement released by Givenchy Haute Couture, the designer says: 'It is truly an honour to have been given the opportunity to closely collaborate with Meghan Markle on such a remarkable occasion.

'We wanted to create a timeless piece that would emphasize the iconic codes of Givenchy throughout its history, as well as convey modernity through sleek lines and sharp cuts.

In contrast, the delicate floral beauty of the veil was a vision Meghan and I shared, a special gesture embracing the commonwealth flora, ascending the circumference of the silk tulle.

'As a British designr at a Parisian Haute Couture house, and on behalf of all us at Givenchy who have been able to experience such an extraordinary process of creativity, I am extremely proud of what we have accomplished and grateful of Meghan Markle, Prince Harry and Kensington Palace for allowing us to be part of this historical chapter.

'It has been an immensly rewarding experience to get to know Meghan on a personal level, one I will forever carry with me. The House of Givenchy joins me in wishing her and Prince Harry every wish of happiness in their future.'.

For more infomation >> How much was Meghan Markle's wedding dress and who designed it? - Duration: 2:48.

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Trump's Furious After Seeing How Much Obama Paid Informant To Spy On Trump Campaign - Duration: 2:02.

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Wait, how much should you spend on food each month? - Duration: 10:51.

Back on the Pete the Planner show, I am Pete the Planner.

Next question that we're answering of course because this show is about

answering your financial questions your money questions answered and you can

always email us your questions, please do ask Pete at Pete the planner.com. Of

course you can watch this also at Pete the planner TV well you were see right

now I'm wearing a very blue shirt. It's about an inch too short. If it was a little

bit longer I'd be more comfortable and I probably should buy a bigger shirt but

this is the right size shirt it's just not long enough so... boy. All right this

question is, Dear Pete I like to eat. Really you're gonna go with rhyming

do you think that's cute dear Pete I like to eat the problem is I spend too

much on food. How much am I supposed to spend on food and still enjoy my life.

Greg. Well Greg here's the thing I don't appreciate the rhyme. You're trying to be

clever and I'm the only person that could be clever on the show is that not

right Nicole? I'm the only person could be clever. Whatever helps you sleep at night. So how much should you

spend on food now Nicole I used to talk about this a lot because I felt like

fundamentally people needed to know what their parameters were. I've sort of come

off of this because I feel like as adults no one should tell you what you

should spend on food but sometimes I think maybe we should revisit this idea

of what's a good rule of thumb to spend of your income on food. Now you obviously

work here because well you're here prior to working here yeah did you have a

concept of what you should spend on food or you just try to take it easy I had a

concept based on after I would go to the grocery a couple times and see what I

was spending on a regular basis and seeing how far that food got me so I had

an idea a concept and I was aware of even though I wanted to grab Panera on

the way into work before sure I was here delicious bread, delicious bread but my

bank account didn't love it as much as I did. Yeah I don't know I just like that

there are alternatives to still getting you want without spending $15 on lunch

every day so let's do this let's set some parameters but then I'm gonna give

you a lot of wiggle room on how to get out of this is that sound fair. I like

the wiggle room okay first of all with the ideal household budget. Pete the

planner's ideal household budget we have 12 percent of your take-home pay

allocated towards food now Frank this is food both from the grocery store

and from restaurants, anyway your coffee like anything okay, so all

things put in your face 12% of your take-home pay let's I'm going to make up

a number here okay we're gonna make up a number let's say you and your special

friends take home pay collectively I mean I got to pick a

round number so just work with it it's $5,000 a month of take-home pay for the

Frank household. For the thank you for making it the Frank household. I don't

get him involved. I've been driving the ship this week let me tell you that was

ship with a "p" if you weren't listening closely right because it sounded like

that was true okay five thousand dollars a month of income so twelve percent of

five thousand dollars is $600. Okay where's math right here everybody

checked it I did it's $600 Nicole not that your household incomes five

thousand dollars I don't know what it is. I know half of what it is but I'm really

don't have but I guess by half I'd be anyway here we go so six hundred dollars

a month that's a hundred and fifty bucks a week if you if you go with the old a

month is four weeks which include groceries going out clubbin as it were

what do you think about that that's probably a in retrospect to what our

take-home pay is sure that's about where we are okay so here's where it goes

completely off the rails first of all the first wiggle room you here's the

first piece of wiggle room. I really don't care what people spend on dining

out. As long as they're not eating their chance at financial stability. there's a

really ugly reality about a consumable good like food,

is once it's consumed it's gone and you literally dispose of that food if you

will. Nicole after the fact right literally

you literally it is becomes waste. So this is to say do you really want to

create financial instability or further financial instability by consuming

something and then turning it into waste? Now if you have stability and you have

it in the budget to be able to do this eat away and waste away don't care.

However if your financial priorities are not getting funded if you have consumer

debt if you have no emergency fund if you are just swinging by a thread is

that the thought the phrase? Is that the cliche? Swinging by a thread? I think so

that sounds right seems a little weird. Hanging! hanging by a thread, thank God

for intern Aaliyah! Right what is it Hanging? Swinging? hanging by a thread! I have

said thank goodness for alia more times than I can count this week I haven't

even been here this week I just met her today I'm just kidding I know we have

been gone so hanging by a thread let's say your financial life is hanging by a

thread and you're just slamming things into your facehole? what are you doing

there aren't conceivably Nicole ninety three meals per month if you go the

traditional BLD. Yeah. Breakfast lunch dinner as the kids call it thirty one meals

of each so ninety three meals a month that you would conceivably place in the

hole in your face okay? Now there's some people are like all you'd ever eat two

hours and it's like all you do six small meals like I know I'm time for you right

now this is about the traditional BLD crowd ninety three meals a month ninety

three meals a month an you have to multiply that by the number of people in

your households. If you have two working adults that then make the choice every

day to maybe go get coffee on the way into work or grab lunch out instead of

taking lunch to work then then you're talking about a hundred and eighty six

opportunities a month for someone to spend money outside of the grocery store

on food. Do you know I'm going with this? I do know. That's a lot and when you put

it into that condo next spending the right amount of food

takes on a whole new feel doesn't it yeah so your goal should be on some

level if I'm gonna pull out the calculator here 'cause you know nothing

better than a guy on the radio with a calculator there's nothing better

there's nothing better. I'll wait so if you got six hundred

dollars for a household of two to spend on food and there's a hundred and

eighty-six meals you need to fund that is three dollars and 23 cents per B, L, or

D. Oh my god! Right yeah so even getting a five five five dollar footlong you're

over budget right right a lot of bread right a lot of bread a lot of bread

smells chemically but it's delicious. It can be if you're not into good tasting

food, but three dollars and twenty three cents dude you ever really put it in

that context do you so let's let's say today you go out for lunch and your

friend goes out for lunch you're gonna spend at least six or seven dollars I

would think for you, at least, and then homeboy does too. Homeboy spends

at least fifteen right when we go through the burrito line we get chicken

and steak Millennials am i right so you see where we're going with this to spend

more than 12% is incredibly easy, incredibly easy and so if you want to

take from another area of your budget for food have at it as perhaps I do with

my entertainment right because food is entertainment exactly so that's how I

use my food budget as what we spend on the grocery each month so by the way

that's what we used to do yeah okay we used to have 17% of our income going to

groceries and dining out yeah 12% for the normal category and then we would

take the entertainment and then that was like our wine budget or whatever yeah

that's what we use it for. Here's the problem kids get them kids sounds

personal they're a big problem and I

say that someday they'll uncover this audio in their therapy with their

therapists. No, but here's the thing that changes the dynamics of this entire

conversation and what ends up happening is people's lives change and evolve so

Nicole at 24 right now you were dialed into a lifestyle and a priorities like

it's it's I don't want to say it's easy that's not the point but it's different

it's different so that will only get more complicated yeah. That wasn't even,

that didn't even sound that condescending no it will just get more

complicated and so where people get in trouble is they don't acknowledge the

additional complication and and they jus-- just keep spending as if

everything's the normal. Oh yeah that was like when the great car debacle of

winter of 2018 went down, sure, two car accidents in one day whatever go ahead

it's like it's over it but I had to reevaluate how much I was allowing

myself to spend within that entertainment area of my budget because

I was now taking on, not only another car payment but now also my parents helped

with the with putting down some money so that was a priority to pay them back

yeah and I had to rework part of my budgets because of that. And to the point

we just made the more people in your household the more complicated that gets.

Yeah, where you and the boy are a hundred and eighty six meals per month in your

household I got kids so I'm like I'm at three

hundred and sixty eight meals a month in my household. Oh my god. yeah right

exactly so the answer is my friend it's blowing in the wind the answer my friend

is blowing in the answer is 12 percent is is a good way to shoot towards a

target but it's much more complicated that depending on the number of people

in your household if you have a lot of consumer debt you have no emergency fund

stick to the 12% if you don't take it from there