News on Youtube Sep 27 2018

Hi Everybody! We report from Bogota, Colombia:

Juan David - behind the camera,

me - Aleksandra Andrzejewska

and the new member of Polaca en Colombia crew - the Baby ;)

I have been receiving more and more messages

asking about how is life in Colombia?

So if you plan to move to Colombia

you wish to know how much the life in Colombia cost

or simply are interested about this country -

this video is for you!

And if you like to know more about Colombia

suscribe to our channel

and always be informed

when we publish new, polish - colombian video.

I am very happy to know, that you look for more information about Colombia.

I always repeat, that this is a great country.

First of all, Colombians are a very happy nation.

Few years ago they were even on the top

in rankings of happiest people in the world.

Second, Colombians dont like to look back,

but they always move forward - "seguir adelante".

For me, Colombia is still a rough, touristic diamond

with many things to discover,

And also, very important thing -

in Colombia THERE IS NO WINTER.

To start new in Colombia, you need:

savings, good job contract, or a business idea.

Lets change the myth, that Colombia,

being a developing country, is cheap.

Wrong. Colombia is not cheap,

its exactly the same expensive as Poland,

and you need here at least 900 usd per month.

We talk about middle class.

First of all, we need to live somewhere :)

In Colombia, the apartments are divided into 6 stratums,

where 1 is the poorest

and the 6th - the most luxurious one.

Lets talk about the 4th - middle stratum,

where the rent is about 600 usd.

Colombians always wish to buy their own apartments,

so they take credits.

The credit rates in Colombia are high -

12 % per year, so its not cheap.

If we are lucky and have our own house,

we need to pay aprox. 150 usd for maintenence:

electricity, gas, water, internet,

and administrative expenses, like cleaning, gardening

and - something unusual in Poland - the watchman.

Also, we need to eat something ;)

Monthly, we need to spend aprox 200 usd.

Fruits and vegetables are very accesible and cheap,

and available all year round.

But, if we like to eat some imported products,

like special hams, olis,

olives and even nuts - then the costs grow.

Also, we need to have health insurance.

Every employee is insured, but

if we wish to have direct access to best clinics

and to all specialists,

we need to have a complementary insurance

and it can cost 150 usd per month.

It depends on the company we choose.

As far as beauty is concerned,

we have good news -

it is very accesible and affordable.

Every woman can afford a hairdresser

that cost 20 usd,

and a manicure, that costs 5 usd.

There is no surprise that very attractive

and beauty - oriented Colombian women,

visit a hairdresser once a week.

Its so popular, that also men

use these services and even wear a transparent nail polish!

If we have children in Colombia,

we need to pay more.

In Colombia there are no governmental helps for families

and we need to work things our ourselves.

Colombians use to say that a child

is born with bread in his hand: "El niño viene con pan debajo del brazo".

I think it is more to prevent panicking,

and the parents need to go to work.

All baby clothes, baby food, is more expensive in Colombia than in Europe,

and sending our child to school

costs about 700 usd, depending on the school we choose.

Most parents choose a private school for their children.

And when we have teenagers ready to go to the university,

we need to be prepared for bigger expenses -

a semester costs at least 2800 usd.

But if our kid wants to study at the most prestigious university in Colombia -

Universidad de los Andes -

the semester will cost 5800 usd.

Then, we need to pray so he doesnt want to study medicine there -

medicine is the most expensive career

and costs up to 8000 usd!

About transport - there is a relief.

Transport is relatively cheap.

The cheapest way to move are taxis,

and a taxi drive in Bogota costs about 6 USD,

depending on the distance, of course.

Taxis are very popular and accesible in all Colombian cities.

A trip with fast bus Transmilenio,

that doesnt stop in all bus stops

and also has special lanes,

costs 1 usd.

Monthly manteinence of a car costs about 70 usd,

and a flight within Colombia,

between Colombian cities,

costs about 160 usd.

Money is very important in Colombia

and children are taught very early to earn it:

when they choose a career,

they are encouraged to study something "pragmatic",

for example, economy or law,

in order to make money directly after graduating.

Careers like philology, pilosophy or art history

are considered rather impractical

and difficult to make money with.

But lets change another myth:

I studied german literature and philology

and live in Colombia very well ;)

Another good news is,

that in Colombia there is work for foreigners.

Especially in big cities with multinational corporations,

like Bogota, Medellin and Barranquilla.

Foreign employee is attractive for a Colombian employer,

because he has a different and interesting culture

as well as speaks more than two languages.

We hope that the costs of living in Colombia

didnt scare you

and that you choose to spend here at least a longer vacation!

Please remember to take all these financial values as reference only,

because they depend on individual needs,

and change every year -

these values are valid for 2018.

If you like to know more about Colombia -

we invite you to subscribe to Polaca en Colombia,

below our small window,

and see you next time! Papa! :)

For more infomation >> ILE KOSZTUJE ŻYCIE W KOLUMBII? // CUÁNTO CUESTA LA VIDA EN COLOMBIA? - Duration: 7:41.

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Great-West Life - How to find out what your plan covers with GroupNet - Duration: 0:54.

For more infomation >> Great-West Life - How to find out what your plan covers with GroupNet - Duration: 0:54.

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How Much Cash Do I Need to Buy a Co-op in NYC? (2018) | Hauseit® - Duration: 3:27.

How much cash you need to buy a co-op apartment in New York City depends on your co-op building's down payment and post-closing liquidity requirements.

You need to have 21% to 22% of the purchase price in cash to buy a co-op in NYC, assuming 20% down.

This excludes any post-closing liquidity requirements by your lender and the co-op.

Buyer closing costs for co-op apartments in NYC are between 1% to 2% of the purchase price,

and most co-ops have a minimum down payment requirement of 20%.

The typical post-closing liquidity requirement for co-op buildings in NYC is between one to two years of housing expenses.

However, the specific types of assets which qualify for post-closing liquidity and how heavily they are weighted varies by co-op.

How Much down Payment Is Required for a Co-op in NYC?

The vast majority of co-op apartment buildings in NYC require at least 20% down.

Even if a co-op building does not have a stated minimum down payment requirement,

an offer to purchase with less than 20% down is usually frowned upon by sellers and co-op boards.

Co-ops have discretion in whether or not to approve a prospective purchaser, so the overall strength of a buyer's offer is an important consideration.

A co-op board may reject a deal if they feel that the purchase price is too low or the buyer isn't putting enough down on the purchase.

If a co-op board likes a candidate but they have financial concerns after reviewing the board application,

the board could ask the purchaser to put down more money or leave some amount of monthly maintenance in an escrow account.

However, there is no guarantee that a co-op board will offer an applicant a pathway towards board approval versus rejecting her or him outright.

How Much Are Co-op Buyer Closing Costs in NYC?

Co-op buyer closing costs are between 1% to 2% of the purchase price.

The largest co-op buyer closing cost is the Mansion Tax of 1% which applies to purchases where the total consideration is $1 million or more.

Aside from the mansion tax, co-op buyer closing costs in NYC consist of co-op building fees,

your real estate attorney's fee and bank fees such as the application and appraisal fees.

Buyer closing costs for co-op apartments in NYC are actually quite low compared to what you'd pay when buying a condo in New York City.

This is especially true if you're taking out a mortgage since the Mortgage Recording Tax does not apply to co-op apartments.

How Is Post Closing Liquidity Calculated for a Co-op?

Post-closing liquidity is a measure of how much in liquid assets you have after closing on your co-op, factoring in your down payment and closing costs.

Although most lenders require at least 6 months of post closing liquidity, co-ops typically have much stricter guidelines.

Most co-op buildings in NYC are looking for one to two years of post-closing liquidity.

Some co-ops do not spell out an exact requirement for post-closing liquidity.

In such a scenario, the co-op will look holistically at your overall financials and evaluate factors such as the consistency of your income,

your debt-to-income ratio and the type of assets you hold.

Do Co-ops in NYC Allow Gifting?

Sometimes. Gifting is on a case-by-case basis for co-op buildings in NYC.

With that said, most reasonable co-ops are open to gifts because they expand the potential buyer base and therefore strengthen property values in the building.

For more infomation >> How Much Cash Do I Need to Buy a Co-op in NYC? (2018) | Hauseit® - Duration: 3:27.

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How To Make $30 Per Hour Using TRY MY UI - Duration: 6:31.

Hey guys this John Kevitz from Acquire Liberty thanks for spending some time me

here today I want to talk to you today about a website that I found then it

goes in conjunction with a lot of other videos that I've shown you but it's

basically pretty new and it's really good it's really significant you can

make $30 an hour if you apply yourself and it really is an awesome site but

before we get into that I'd like you to subscribe to my youtube channel click on

the bell for my latest uploads and notification so you'll get to see them

first and if you're serious about working from

home you want to make a full time income working from your house click the link

on the top of the description below that's how I got started you'll see a

free video see how things get going and hey if this is something that you want

you don't want a boss hanging over your shoulder anymore

kind of hanging over you looming over you want to do things do something on

your own want your own time freedom want to make some extra cash from the house

hey click that link get started just like I did all right now the website I'm

talking about is this one right here try MIUI try miui is essentially just

like user feel and user testing now I've had I've signed up for user testing and

user feel just cuz I wanted to experience it myself I like to do things

before I recommend them to people or you know hey this is what you do and

actually never do it I like to sign up for things like this to see if they

actually work if I really believe in them I think they actually have a shot

at convincing me they work and I've signed up for user testing I signed up

for user feel I've now I'm going to sign up for try my UI and the reason I'm

going to do that is because this is basically it looks like almost an exact

duplicate of user testing it's the same kind of tests it's the same kind of

payout it's the same basically of everything okay and it's legit and it

pays out my favorite way of getting money and that is that's right

PayPal you can get PayPal and you can get paid once a week or every other two

weeks you're good to go online let me tell you now try MIUI get the users view

you're basically doing the same thing here like I said with user testing and

user feel you're doing the same thing with try my UI you're going to get

assigned tasks from specific individuals with their specific sites to do things

for them to make sure everything on their websites are working that's gonna

be the primary objective of what you're gonna be doing now not only will you be

checking the websites to see if things are working properly you're going to

give them probably input and ideas and the things that maybe you'd like to see

that would make the the web browser experience a little bit more effective

better maybe something like to see on a website or not see on a website that

would make it a better experience for you as an individual that's what they

really really want to get at to they besides all that you know maybe

technical errors or technical aspects of a website they really want to get into

your head and they want to find out okay when this is serious now like just for

this the head page of this are the header of this website maybe someone say

try my UI well it kind of fades into the the background there maybe you'd want to

put that together and highlight the whole thing and like if they ask you

what you think of the website you tell them you know anything that you think

you might want to change or you know you you think you'd like you tell them and

when you're talking you have to have obviously just like user feel and user

testing you gotta have a headset you got to have a boom mic or something you can

talk into they got to be able to hear you clearly when you're speaking when

they ask you questions they usually ask you very specific questions you are

expected to give very specific answers you can't give you no answers like what

do you think of website it's good you're not getting paid if you do that you have

to give them your like basically as you're walking through the website and

the tasks that they're giving you they don't want you thinking to yourself they

want you thinking out loud they want to hear everything you're thinking out into

the microphone so they can analyze it figure out you know this that and the

other thing they want to hear you know really a good breakdown of what you

think of their web site especially if you find any errors

they definitely want that but um let me give you an idea here now this is what I

found to be really interesting now this is where I basically said okay this is

just like a carbon copy of user testing and that is right here you will be paid

ten dollars for each test you will take a typical test lasts approximately

twenty minutes sign up now to start making the web and

more user friendly place that is exactly what they pay you at user testing and

user feel so basically I just found you another website where you can make money

doing something that maybe you've already done before you have the head

you have the headphones you have the mic the head boom like I have a microphone

here but this is because I used to do voiceovers I don't think I want to pull

anything out see I got a microphone here this is what I use but that's because I

used to do my voice over so I have this but you don't need to have something

like that you could just go into you know Best Buy or you know staples or any

of those places get a little microphone a little headset plug in the new USB

into your USB and you're good to go alright guys listen I hope this helped

you out this is another chance for you to make some money alright and it's

another great opportunity so why wouldn't you especially if you already

invested into doing user feeling user testing why not right all right guys

remember to subscribe to my youtube channel click down the little bell for

notifications my latest uploads so you'll get to see them first and if

you're serious about working from home if you want to have a full time income

working from your home click the link in the top of the description below that's

my best home based business opportunity that's my best opportunity for anyone

who wants to work at home full-time and make a full time income all right guys

listen you take care and until next time what I always say I say follow me on

facebook twitter and instagram under Acquire Liberty yeah fool you there, right?

alright guys until next time take care GOD BLESS