Welcome to Homebuyer's School brought to you by Brookfield Residential get ready
to learn strategies tactics and tips on the home buying process join Karl Yeh as
he talks with experts with the savvy and experience to help you find your perfect home
Hi everyone and welcome to another edition of home buyer school
today I'm joined by Troy Champ he's a mortgage advisor with
Mortgage Tree and today the question that we're gonna answer is what's the
average downpayment of a house so Troy what's the standard typical down payment
for a house you know it really does vary depending on demographics and what area
the country you're in we're finding areas like Vancouver Toronto the down
payments higher it's 20% or more areas like Calgary there's a lot of first-time
buyers so the down payment is much less we're seeing the average around 10%
and is there a difference between down payments for a new home and a resale no
the down payment requirement is the same whether it's a new property or resale
property it's more based on the purchase price then the age of the property okay
and does the type of home affect the average down payment so whether it's a
condo a townhome or a single-family the down payment requirement is the same
regardless we do find that single-family homes tend to have RP or purchased by
repeated buyers so you know there's not the first home so when they're already
selling a property buying a new property they have more equity than the existing
house so the down payments larger so I think are you saying that as maybe along
your lifespan if you're buying more if maybe this is your second third house
you probably are spending a little bit more on correct yeah so you typically
your first home is a condo or townhouse your second home is a small move up your
third home is what we consider more of an estate home so by the time you get to
that stage you have a larger down payment available to you do you have
like an average that maybe first-time homebuyers usually most first-time
buyers are 5% yeah okay absolutely awesome well thank you very much Troy
thank you very much everyone 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 >> What's the average down payment when buying a home? - Duration: 2:31.-------------------------------------------
Switchback: What We Do - Duration: 2:24.
[ALICE] At Switchback we work with
18-30 year old young men
who we meet in the prisons.
We support these guys
through the prison gate
and into employment
or wherever it is that they want to go.
They're all young men who
choose to come onto
the Switchback Programme,
make a new start
and do things differently
and the Switchback Mentor
is the person at the heart of that process.
[RICHARD] Switchback Mentors work with
potential Trainees for up to
three months before release
so it's a very intensive
exploration of why and how somebody's
going to make a change when they get released.
Once someone is released from prison,
Switchback Mentors are there on the very first day,
meeting them at probation,
and getting the ball rolling
with them coming into the Cafe and
coming into the Switchback offices.
[TAPIWA] When I was in prison, Sophie came along.
She told me about Switchback
and then she told me about the Cafe and everything
so I said I was interested in it
and from there when I came out
I said to her I'm gonna get involved in it
'cause I do want to change my life
and Switchback, you know, is perfect.
So I meet Joe, and once a week
we review our action plan
and then sometimes I'd have to go to probation,
maybe go to the Job Centre,
and the Cafe shift as well.
See, if I'm feeling low I'll call him
to ask to see what he thinks about it.
[RICHARD] Often these young men have
never worked before
and to be brave enough to start afresh
can be incredibly difficult.
But seeing these guys shift
the way that they see themselves
interacting with society at large
that, in itself, for me as a Switchback Mentor is
the most rewarding aspect of the job.
[ALICE] One of the really shocking national statistics
is that 46% of people
coming out of prison
are back inside within a year
so one of the things that we're really proud of is
that, with Switchback Trainees,
our reoffending rate is actually 9%.
[TAPIWA] I used to see, like, a dark...
The darkness of the future
but I reckon I could see myself
this time definitely going somewhere.
I don't see myself, not one bit, going back
to the old lifestyle.
I'm completely a different person
to what I was there,
involved in crime and stuff.
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What K-Pop fans do... - Duration: 1:35.
When will I go to Korea!
Please send it to me!
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WHAT IF YOU WERE SENT TO A BLACK HOLE? Cartoon For Kids😍😍😍 - Duration: 3:55.
WHAT IF YOU WERE SENT TO A BLACK HOLE? Cartoon For Kids😍😍😍
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#Who is Beni Baningime, and what position does the Everton youngster compared to N'Golo Kante play? - Duration: 3:01.
Who is Beni Baningime, and what position does the Everton youngster compared to N'Golo Kante play?
BENI BANINGIME makes a surprise debut for Everton as the Merseyside team head to Stamford Bridge tonight.
The youngster trained with the first team on Tuesday, after a show of faith from former U23s boss Unsworth.
Baningime is making waves at the Merseyside clubs after being picked up from the U23s.
SunSport takes a closer look at the Merseyside whizzkid.
Who is Beni Baningime?.
Born in Kishasa, Congo on September 9, 1998, he decided to play for England after moving to the country.
Baningime joined the Everton academy at the age of nine, working his way through the youth system.
The midfielder captained the U18s to victory in the Dallas Cup in the 2015/16 season.
Later that year he was offered a bumper deal in his first ever pro contract, moving up to the U23 team managed by David Unsworth.
What position does he play?.
Baningime thrives in a holding midfielder role, just in front of the back four.
Thus drew the comparisons to last seasons PFA Player of The Year, Chelseas NGolo Kante.
Like most promising youngsters, it isnt enough to be a tough tackler, hes also proficient with the ball at his feet and building attacks.
Caretaker Unsworth is showing faith in the youth as he looks to patch up the club.
What have people said about him?.
Unsworth himself has been full of praise for the young player, saying Everton have high hopes for him.
After an impressive 3-0 win for the U23s against Man City, he said: "You could single out the goalkeeper, Garbutt, Feeney, Markello- who's hardly played for us and was outstanding at right back- but Baningime was the best player on the pitch.
"He just gets better and better.
I haven't seen anyone at this level, in the five years I've been here, who does what he does better than him.
He's a top player at this level and we have high hopes for him.".
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What is happening - Duration: 4:20.
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What You Can Expect From This Channel - Duration: 1:18.
Hey friends I'm Jared Morrow and welcome to the channel
I'm here to teach you how to manage your debt and build long term wealth for yourself
So that you can gain that freedom that you deserve since I spent almost five years paying off
83,000 dollars in debts and now I'm in the process of building long term wealth for myself
I'll help you learn from my successes in my failures what you can expect to learn here are things like getting out of debt and
Understanding your debts just a little bit better how to budget different budgeting methods and how to become a budgeting master
Different ways to increase your income to make it easier to pay off your debts and budget your money
also, how to create long term wealth for yourself once you do get your debts paid down or completely paid off and finally how to
Create a lifestyle for yourself to make all the things that I just listed that much easier
Thank you so much for checking out my channel. I greatly appreciate it
Please click that subscribe button and then click that bell that pops up right to the right of it that way you can get notified
Whenever I put out a new video
I also really appreciate you taking the time out of your busy day to check out my channel and watch some of my videos
Until next time I love you so much video
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The SECRET to Gut Health Revealed | What to Eat | Supplements that Make a Difference - Duration: 5:56.
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JFK FILES OKTOBER 2017 TRUMP RELEASED - WHAT'S IN THE JFK FILES - TRUMP: I WILL RELEASE CLASSIFIED - Duration: 2:36.
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Gravity Falls Not What He Seems Top Cartoon For Kids & Children - Red Clock - Duration: 17:39.
PLEASE LIKE, SHARE, SUBCRIBE video! Thanks you very much!
Come on come on should be just enough to finish the job
Who can it Poindexter? I've come this far. I'm not giving up now
Yes, this is it gonna be a bumpy ride, but it'll all be worth it
In just 18 more hours
Okay, so I was just opening random doors because I'm a creep when I found something amazing
Dangerous illegal fireworks without me
You have a permit for being totally lame
Well I can't argue with that carry on seriously
This is what Saturday's for doing dumb things forever
Yeah plenty of summer left
Kids there's something I uh something I should what is that a ladybug?
What oh no
Target secure take the house pic secure we have secured a pig
Hey hands off you stooge I
Don't understand
Hey, I'm from the Special Ops guys
This is security footage of a government waste facility at Oh 400 hours last night someone robbed 300 gallons of dangerous Twix
Listen kid
We've been watching your family all summer, and we've seen some disturbing things
But nothing as dangerous as what your uncle is hiding somewhere hidden in this
Stanford pine give me whatever you got that comes with a free tour
Mr.. Pines is this some sort of possession situation
mr. Pines
What happened heard you got arrested or something to become a repairman sir your junior young young baby time kiddo meal?
Just put one in my mouth
Home we'll be taking you to child services
In the meantime enjoy some mindless reality TV designed to pacify you and make you stop asking questions
I'm about to make the incision
The security tapes didn't Stan say he was restocking the gift shop last night if we could get to mystery shack surveillance tapes
We could prove he's innocent. We just need to think of a way out of it
Come on dipper we're gonna go clear our uncle's name
Oh, you poor kids you really think your uncle's innocent, and I've seen it all before
false names
They're getting stronger of course, that's it machine activates
Mabel aren't you forgetting the simpler solution all right, so was it a rock or is it a face I think
It's a metaphor
Valence tapes
Habit don't you mean Jackalope fast forward?
There it is Stan restocking like he said and the date shows it was last night. It's proof. Oh
No Stan you didn't
Don't panic that could be anyone in that suit
God hot Belgian waffles. I'm not so sure about that
Right what is all this Stetson pine field?
What Stan Pines dead foul play suspected in Pines death fiery car
Stan Pines is dead
Can't believe it this whole summer I've been looking for answers and the biggest mystery was right under our nose
All right pines playtime is over choppers ready to dust off to Washington
I'll enjoy putting you away what um can we stick around for maybe one minute? Oh?
Yeah, so do you?
He's cutting away obviously follow that cab
Stanford estate is that large all right soos remember the plan
Protect the machine earn Stan's trust legally got adopted by Stan changed name to Stan jr.. Sue Oh. Oh Kurt square view burns
It's all just a big misunderstanding
Guys I know this seems crazy, but I promised and I regardless with my life
I'm sorry sis
I
Said are we treating me that doesn't mean anything bad. Everyone's got secrets
It's still Stan and he loves us, and we love him, right
Or maybe he stole them from the author
Maybe the reason he has all of those fake IDs is because he is a master criminal and this machine is his master plan
The device is fully operational could tear our universe apart
It must not fall into the wrong hands the clock ever reaches zero our University
That button
Dipper look I know this all seems nuts but I need that machine to stay on if you just let me explain
Brace yourself
T-minus 35 seconds
Dose what are you doing? I gave you an order sorry mr. Pines
If that is your real name, but I have a new mission now protecting these kids so you idiot. Let me go
remember this morning when I said, I wanted to tell you guys something minus 20 seconds I
Wanted to say that you're gonna hear you really think I'm a bad guy he's lying shut it down now Mabel, please
Brother is this the part where one of us faints. Oh, I am so honored to
What stand cakes they're like pancakes, but they probably have some of my picture it's gonna be in the newspaper
chef's yet
Pacifica Northwest declares Phoenix the look of the season what am I looking at here?
Well what Phoenix season is upon us who wants to help me get ahead of the fashion curve. I'm taking it one step further
What's the W? Neck here must follow?
These old timey sounding words are alive and well that the gravity falls royal discount hut-hut no button available it snack shop
Hey, Mabel. You love mini-golf and
The pig can look after the house
Don't worry, bro
Guys this is amazing if Mabel gets a hole-in-one here, she'll beat her all-time high score
you can do it me pretend the balls Pacifica's face I
Don't worry about it kid the things random yeah, Rosario Bermudez triangle
How many golf works is the world's quick well if it isn't the pines family fat old lame?
Braces soos would it be wrong to punch a child. I've got this hey Pacifica
This is Sergei my trainer this limpets have mini-golf once
Okay
So if you don't mind moving out of the way of the professionals
Like let's stop and watch the park is now closed due to weather the king of mini-golf has spoken
This isn't over you
Probably grandma clothes is over there
Go to the golf course after dark you say, I don't know we'd have to break in and just kidding let's break in
We good we good
All right, then hi hello, I'm Franz and welcome to our home, what is this yeah, that's incredible?
And so needlessly complicated, ah shucks. It's only our lifelong passion. Would you like us to elaborate through song?
Put a clog in it you win me lubbers
These frilly bottle Papa J's are terrible and control in the balls
Don't controllables better than the Knights of Weeden castle wrote this will settle which hall is best
With maybe been a war door like a trophy. I don't know but sprawls Luke
Sticker you're weird many blood-feud
People this is perfect these guys control the course just tell them we'll give the sticker to whichever group does a better job of help
Us not these tulip munchers, I will not be insulted by a man with no depth looks like it's gonna be a while
Like a million hours, okay, I've got this you'll stay to watch right Pacifica darling
We have a party to go to we'll just read about your victory in the paper
Sergey
Looking for someone waiting in the dark not creepy at all seriously though
I don't know why you bothered to come unless you've got something up your sleeve
18 Oh standard rules winner lives in glory loser wallows in eternal shame my god mark. Okay. Go in there. There's been a gas leak
Anyone who goes in there will die?
McHenry I will take
Okay guys that was badonkulous hey little high fives
Everyone little high fives all around nicely you did it you're the man. I don't want to call it out early knock on wood
There's something going on Sergei I can feel it, maybe there has to people who control where the balls go. This is bad. I
Can't wait to see the look on Pacifica's face when we win
I'm thinking it'll be like yeah now she does that what did I miss?
Let me go you creeps
Welcome twins welcome. I can tell you're loving this right right. No. What are you? Where's my phone?
Then hey hey, so how about it hugely who's the best now that's a fast outnumbers
Oh, you know what no one gets the sticker crib
No stop no no one gets maybe you don't settle them with petty competitions
Maybe the only way to be the best is by ending the fighting and working together
There's literally no way to drown we have you at finish our pencil point
There's no way around us you ready to putt way ahead of you
You call yourself a golfer without us that club is useless in your hands
What did you say you little trolls, I will sue you I will sue you and I will own you looks fantastic on me
Hey
You want a ride home?
Marnie you're allowed to eat in the car. Yeah the cars where secret surprise snags happen
Wellin oh I'm not supposed to thanks for the ride or whatever
Oh and Mabel um I can't believe I'm saying this, but I had fun until your serve
And I like his depth should have charged her for that taco agree
Heard you got any more of those surprise tacos
Latin now huge Ling's but Franz will have his day Franz will
Guys I figured it out we control the balls now he gets it oh you guys
Can I go now never
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Red Cross volunteer says he wasn't prepared for what he saw responding to the Virgin Islands - Duration: 1:41.
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Accounting for Beginners #91 / what is the BEST? Assets, Draw, Expense, Liability, Equity, Revenue - Duration: 15:16.
yo yo yo CPA strength here with another video I don't know why I was listening
this video is brought to you by motivational speaking
gangster rap formal Friday the most Jacked CPA you might know what does this is hair
Thomas I don't know what's he saying
ones prayer Irwin's pray ok ok I don't know I just felt like doing that for
this video don't know what hi I'm we listen to motivational speaking for the
past couple hours and so I just had my life had my laptop over here and I just
you know I got my camera out I got this board ready for what we're doing today
and all this all this stuff and you know hit record and Campbell everything got
ready and I've been playing this for two hours so that was the next thing that
came on I don't know I just thought that'd be fun like why is like the next
thing and it was what was it what's interesting a gazelle no lion because
the gazelle is running from something I don't know anyways yeah I've listened
to a lot of motivational speaking this morning and of course the gangster rap
they're like they're like JD why do you listen to this trap why do you put this
trash music in the middle of it because it motivates me because because I love
it because it is me because I you know what am I
I think the first tape I ever bought was 2 Live Crew tape wrapped
they're from they're from down here and in South Florida and it's like you know
another lice license to ill by Beastie Boys a rap tape I just that's who I am I
love rap I love traveling I love shoot em up bang bang gangster rap all right
just what is just what it is it's me and I'll tell you what there's something
that I'm better than every single one of you watching this right now I am a
better Jonathan Dorn than anybody else in this world get that so I'm just gonna
keep doing me baby yeah anyways this is accounting for beginners number 91
noventa you know a 91 can you believe we made 91 Rogner making my first five oh
my god anyways so there's 91 so you're like did you do 90 other videos on
accounting for beginners yeah bro so up here's the playlist best playlist in the
world you get all the videos now this is like what is the best what what is the
best you know and and it's it's a good question i I wanna I'm just I'm trying
to be the best in the world at something so it's like you know you're trying to
pass a class you're trying to pass the class you're trying to learn accounting
you're like what's the best mapping system what's the best mnemonic what's
the best way you know I like DC a blur it's just kind of what I learned also
I've gotten fat you know hundreds of thousands of different variations of the
DC Aylor like I in the comment sections I use this I use this I like this
they're all good what I'm saying is they're all good okay it's like pizza
it's like deep-dish in New York fin you know
all good okay you know what are you like pepperonis or olives or both or it's all
good it's however you know however you're eating that pizza all right baby
so I used to sailor and what I was getting at is I read a comment that I
frickin actually forget now what he said he uses waited someone did something
left to ease here and he got confused whether it's an expense or inequity
which yeah I agree but I've just started with this and so ingrained and I don't
even really use like this this any words what I'm getting at
so some other popular ones is Dade Claire I've seen DCT or and then over
here it's like I use equity right here for the Lord I use equity right here but
then you know some other other people have you know change some of the
letterings around I guess I should I just noticed right now they all start
with D so at least everyone can always remember that that's debit I guess I
don't know I just saw that right now I have a very weird brain I'm weird weird
weird I actually got a comment so it's a CPA strength you're weird as fuck I'm
like thank you very much and if so I use equity other people place capital other
people put owner's equity what I'm saying is I'm not I'm not concerned
about which way what mnemonic or mapping device you use I'm not even concerned if
you even use a mapping device I really don't care do I care what you call if
you call it equity owner's equity or capital no it's basically what the owner
has invest in the business it's or you could see I
I kind of like to see as how what I think this these are is assets equal
liabilities plus equity that's the balance sheet right and so you have
assets so you have a truck right you have a truck here who owns the truck do
you all over the truck to somebody else or does the company own it
oh or owned you owe or do you own it right so that's right that that's all
this is do you what part of the assets do you own or not so I don't care how
you label it what's what's the best right what's the best its however
however you can get to a debit over here debit on the left and a credit on the
right
I just thought I'd construct like what I think is important and how you get there
I don't really care how you get there like you got to work did you take them
you got you know you got to the word you got to the workplace bright-eyed and
bushy-tailed I don't care if you drove your car I don't care if you took the
subway I don't care if you took a a scooter I don't care if you hitchhiked I
don't care how you got here you just here all the time when you're
bright-eyed and bushy-tailed diverse I just think I just took that analogy on
the spittle yeah so I don't care how you put it fill in these eight different
boxes and I just want you to fill in these eight boxes the most important
thing see I do the most really the most important thing and everything is either
going to be a debit or a credit so left or right so that's why I personally like
to segregate that's not racist is it anyways I like to separate the D and the
C because that's debit and credit cuz that's like half of it left and the
right then I don't care how how or when
basically you have you have three items you have three items that if they're
increasing their debits then you have three items if you're worried if they're
increasing they're gonna be credits so you you know you can mix match them all
the way let's see Dave Clark has the same the same it's a central expense see
death damn debit and credit but I like to just get out of the way first on its
own thing cuz it's me it's it's own thing it's a debit credit but I see the
mayor this and the de-clutter because because
you have them you have them separated I kind of looking at this one down I'm
kind of liking this date Claire - because over here you have your your
debits and then over here you have your credits
when they're both going up so I kind of like this one too
and it has an C it has s it has the assets here has the assets tough left
and then and then it has C has the asset and then it has the liabilities and
equity say I have the asset the liabilities and equity right there
so I have the balance sheet like what's a fuse the DC deal this is a e.e al
I'm sorry draw expense assets you have so you so this so the DC dealer
draw expense asset and and then over on lor liabilities owners owner equity
revenue so the same the same over here right the revenue will go here what I
don't like about this one my personal preference but if you like
it you like it this one it it mixes up
see here's here's the income statement on this one and then the balance sheet
is here and then this is the other side of that so see that's why I don't really
like the different that's why I personally like a DC a blur to this
video even make any sense did this video help anyone I hope it helped of somebody
because that is the main focus of my videos when I make one every morning how
many people can this help can this help somebody is this gonna help somebody so
I hope this helps somebody I really do mmm let's see if we can summarize in the
last couple minutes that I have what was I thinking because I always get I use
this or I use this it really doesn't matter oh I know what I can summarize um
hi Google search myself the other day just the CEO pops up and it's kind of
amazing how big I'm getting now and the stuff if you were to search for me 20
years ago that would have popped up or when the internet started I just I just
just flooded it with more different stuff for my name anywho so now I was
gonna summarize what are you gonna summarize but they're like how can I
trust how can I trust Eph strings how can I trust it can I trust them that's
what I was a question on ready I seen hey this guy's CV strength does
anybody know he has the basic accounting series on YouTube Grant trust them
well yeah cuz I just teach the basics all I'm teaching all I'm teaching is so
it's like the DC and learn I don't want to get caught up in that you know it's
the basics of accounting I don't I just want you to know debit or credit debit
is left credit is right I want you to know on the left hand on the left hand
side which is also the debit side you would have three different accounts in
the positive form asset draw an expense on the right side also the credit side
you would have three different accounts main accounts whatever that if they go
up they go on if they're increasing they go on the right side there's also the
credit side those three accounts are liability equity and revenue so that is
the summer I don't care how you get there I want you to stop forget about
all the rules in your head how you get there I just want you to write that on
your paper every single morning and then I'm telling you after a year or
something you just put a line you'll just put a line through this and then
you know you just see it in your head but anyways I love this till next time
this is see
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Video: What happened to Lacee? She explains... - Duration: 2:09.
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What to Expect on the Chimney Tops Trail, Great Smoky Mountains - Duration: 2:41.
My name is Tobias Miller and I am the Roads and Trails Branch Facility Manager in the park.
Chimney Tops trail for me as a hiker is an incredible experience.
It's a trail that gets you up to an incredible scenic vista.
We do routine maintenance on the trail every year, and then starting in 2012,
we did a large restoration of the trail.
So, we redid it completely in 2012, 2013, and 2014
as part of the Trails Forever program.
Before we started the restoration work, it was really, really heavily impacted.
And after we completed it, it's a real joy now to walk and see all the work
making a more sustainable walking surface for visitors.
The fire didn't affect most of the restoration work that we did over those three years.
Although, unfortunately, the last portion of the trail that historically gave people access to the pinnacles up there
was completely destroyed.
The fire was so hot that it burned all of the organic material.
So, literally, the trail tread surface and the soil which was heavy with organics was completely burned away.
Beyond where we've closed it off to the public,
that area has the challenges of dead and dying trees, the soil trying to recover.
So, one of the things going forward is, if the park decides to try to rebuild that section,
what would that look like? What would that experience become?
What is an appropriate solution in wilderness? Those types of questions.
What visitors can plan to experience when they go up is all of the
trail is still intact except for that last little section near the pinnacles.
They'll still have the wonderful interaction with the creek down at the bottom.
There are four bridge crossings that are really phenomenal on the trail
where you get to intimately experience the creek.
As well as all of the trail work that was done is all still intact.
But people will no longer, at this point, be able to scramble up the rocks to the top of the pinnacles.
They will have to stop just short of that.
There's an overlook that's been constructed that will give them a clear view of the surrounding mountains
and also a really clear view of the pinnacle itself.
There was some selective pruning done on some of the trees, so you can see better,
especially into the burn and the pinnacle itself.
So, I think there will be people, I'm sure, disappointed that they can't go where they used to go.
But I think they'll still have one of the most scenic views in the Smokies as it is now.
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what blackness means to me | chris lawrence - Duration: 3:45.
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What are your favourite and least favourite letters?! 4k - Duration: 14:41.
If you are new to this channel, please Subscribe and turn the notifications ON.
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What are your favourite and least favourite letters?
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WHAT DID HITLER KNOW? - Duration: 6:47.
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What's the Truth with 'What the Health'? - Duration: 4:12.
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What Each of Mindhunter's Twisted Serial Killers Looks Like in Real Life - Duration: 1:11.
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This Is What Happens When You're A Red Velvet Fan and A "Spaghetti Noodle Master" - Duration: 1:40.
This Is What Happens When You're A Red Velvet Fan and A "Spaghetti Noodle Master"
A Red Velvet fan shared photos of the Red Velvet members as spaghetti noodles.
The spaghetti noodles closely resembled each of the members quite accurately.
Not only did the fan capture every detail in the members faces….
…but they were also able to make figures of them dancing and posing!.
Other fans who came across the spaghetti art were mesmerized by similar they looked to the real members.
However, these are all photoshopped and not actual spaghetti noodles! .
Still doesnt take away from the fact that this fan is really talented!.
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