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30 Year Mortgages Aren't Always Best

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How to pay off a 30 year home mortgage in 5-7 years

SUMMARY:
In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off.

This strategy is known as Velocity Banking and in the video I will demonstrate how Velocity Banking can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income.

RECAP OF THE VIDEO:
I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership…

Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing.

By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the Velocity Banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings.

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► Velocity Banking & Real Estate Investing Course - Please email me at Laura@epcinvestments.com for more information.

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DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.

10 Financial Goals To Conquer in Your 30s

Today we are talking about setting goals. I am a certified ‘goal getter’. 😀

I am all about setting goals, reviewing those goals, and most importantly achieving those goals. 🍾

I wasn’t always like this.

There was a time where I would do my New Year’s resolutions and set goals, but I usually didn’t review them until the next year.

It wasn’t until I joined a business coaching program that emphasized the importance of setting and reviewing goals more than once a year.

Now, it is no surprise that most rich people are reviewing their goals and making goals.

Author Thomas Corley, Rich Habits, found that 62% of all rich people not just set goals but they review them every single day.

When is the last time you reviewed your goals? 🤔

If it wasn’t today or yesterday then chances are you are not on that path to building financial freedom.

I know it can be hard to believe that you can become rich. We are conditioned to believe that we are stuck where we are now.

I want to challenge you that you are not Stuck! You don’t have to be poor the rest of your life. You can achieve wealth, you can achieve freedom. It all starts with setting goals and working towards achieving them. 😀

Today I am going to give you my top 10 financial goals that you can start working on today.

➡️ 1. Have plenty of cash on hand [2:23] - We want to work towards $1,000.

➡️ 2. Have a debt reality check and a debt payoff plan [4:10] - You may think it is impossible to become debt free. It’s not, but you have to have a reasonable payoff plan.

➡️ 3. Plan an early retirement [5:21] - You have to decide when you want to retire, and then determine how much you need to save. Then, you have to start investing.

➡️ 4. Seek out mentors to help with your wealth building goals [7:34] - Whatever lifestyle you want to achieve, who do you know that has the level of success that you would like to emulate.

➡️ 5. Get your insurance in check [8:25] - Make sure you have the right kind of insurance to save you from financial catastrophes. This could include life insurance, auto insurance, homeowners insurance, etc.

➡️6. Build Multiple Streams of Income [9:41] - This is not something that happens overnight. You have to put in the work and build a business that allows for these multiple streams of income.

➡️ 7. Finding Content with what you have [12:53] - You have to learn to live on less. Be happy with what you have and don’t feel like you need to constantly buy the newest biggest things out there.

➡️ 8. Give Back [14:39] - Giving back could include donating money, time, or knowledge. You can help others achieve success.

➡️ 9. Get your financial house in order [15:32] - Do you have a will? Do your loved ones have access to your accounts? Make sure all of this is in order.

➡️ 10. Do the work you love [16:18] - Have an understanding of what brings you joy. Then start working towards doing the work that you love.

Those are my top 10 wealth building goals. If you are 20-30 years old and you don’t know where to start...I’ve just given you 10 goals to start on right now. 😀

Maybe you already are working on some of these goals? If so, let me know where you are in your process. What have you achieved? What are you struggling with? 🤔

Let us know in the comments so we can help you achieve them.

★☆★ Want More Good Financial Cents? ★☆★

💻 Check out my blog here:

Listen to my podcast here:

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Pick up my best selling book, Soldier of Finance, here:

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My most favorite inspiration T-shirt line, Compete Every Day:

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Are Japanese Homes Really Worthless After 30 Years?

Have you ever heard that Japan's houses only last 30 years? Is it because of earthquakes, Japan's love of new, clean things, termites, humidity, population decline, or bad construction materials?

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Music by Epidemic Sound
♪ Globetrotter 2 - Johannes Bornlöf
♪ Toad In A Hole 3 - Martin Landh
♪ Minor Indiscretions 3 - Gavin Luke
♪ Serene 3 - Johannes Bornlöf
♪ Incidental Encounter 3 - Gavin Luke
♪ Serene 2 - Johannes Bornlöf
♪ People Falling Down 4 - Gavin Luke
♪ Revelations Of A New Man 3 - Gavin Luke

Sources
🛈 30 year building shelf life -
🛈 Great Kanto Earthquake -
🛈 Earthquake building codes -
🛈 Lifespan of homes -
🛈 Secondary market for home sales -
🛈 Japan Real Estate Institute Website -
🛈 Inflation-Adjusted Japanese Land Prices -
🛈 Vacancy in Tokyo - and and
🛈 Vacant and abandoned homes in Japan -
🛈 Types of homes that are abandoned
🛈 Vacancy rate in the 23 wards of Tokyo -
🛈 Japanese population graph - By Demmo - This diagram was created with gnuplot., Public Domain,
🛈 Japanese low birth rate -
🛈 Japanese immigration -
🛈 Tokyo Population
🛈 Tokyo and Japan population declining
🛈 Life expectancy -
🛈 US Housing Vacancies -
🛈 Montreal c1900 By Jackson, William Henry -
🛈 Earthquake Brick House - By Nabin K. Sapkota - Own work, CC BY-SA 4.0,
🛈 Tokyo Firebombing -

🛈 Great Hanshin Earthquake - By Masahiko OHKUBO from Kobe, Japan - #19950117 Great Hanshin-Awaji Earthquake (HD), CC BY 2.0,
🛈 Termites / White Ants -

🛈 Abandoned Home Japan - By VoyagerMU, CC BY-SA 3.0,
🛈 Housing Units Vacancy in first quarter 2017 in the United States -
🛈 Map of Japan and popular cities - By Antonioga - Own work adding cities on this map., CC0,
🛈 Prefecture of Tokyo - By T.Kambayashi, OpenStreetMap [3] - OpenStreetMap [1],Ministry of the Environment Government of Japan[2],, CC BY-SA 3.0,
🛈 Supply and Demand Graph - By SilverStar at English Wikipedia, CC BY 2.5,
🛈 Supply and Demand Graph (More Supply) - CC BY 2.5,

How Voice AI Will Impact Business Decisions in 2020 | Financial Brand Forum Keynote 2019

Today's episode is a brand new keynote Gary did at the 2019 Financial Brand Forum in Vegas on April 15th. He was really on his game for this hour and talked a lot about putting the past on a pedestal, how technological advances are making brand more important than ever, speed and more. Tweet him @garyvee ;)

1:30 - 5:41 | Using Regulation as an Excuse to not Innovate is not a Sustainable Strategy
5:42 - 15:55 | Context of Gary’s Life/Background
16:00 - 25:52 | The problem with putting the past on a pedestal  
26:04 - 28:20 | Consumer’s Attention Is Clear
28:30 - 31:00 | Wish the Shopping App Makes $6-$12 Billion Dollar on Facebook Ads
31:02 - 31:25 | ROI of a Basketball for LeBron James
32:00 - 33:25 | Value of Podcast Pre-Roll Ads
33:45 - 35:25 | D-Wade Commercial and Why it Succeeded
35:30 - 39:39 | LinkedIn Content Strategy
39:40 - 42:00 | If You Are Buying Banner Ads Leave Now
42:05 - 43:50 | Toys R Us was Thrilled Before They Were Going Bankrupt
44:00 - 45:20 | Google AdWords and YouTube Pre-Roll Is Incredible
49:24 - 50:09 | Why Gary hates the Patriots
53:58 - 55:50 | Why Voice AI Will Be Dominant

Thank you for watching this video. I hope that you keep up with the daily videos I post on the channel, subscribe, and share your learnings with those that need to hear it. Your comments are my oxygen, so please take a second and say ‘Hey’ ;).

Check out my new direct to consumer winery, Empathy Wines:


Follow my journey as an #entrepreneur here:


► Subscribe to my channel here:

►Check out my second channel here:


Gary Vaynerchuk is the chairman of VaynerX, a modern-day media and communications holding company and the active CEO of VaynerMedia, a full-service advertising agency servicing Fortune 100 clients across the company’s 4 locations.

In addition to VaynerMedia, VaynerX also includes Gallery Media Group, which houses women’s lifestyle brand PureWow and men's lifestyle brand ONE37pm. In addition to running VaynerMedia, Gary also serves as a partner in the athlete representation agency VaynerSports, cannabis-focused branding and marketing agency Green Street and restaurant reservations app Resy.

Gary is a board/advisory member of Ad Council and Pencils of Promise, and is a longtime Well Member of Charity:Water.

Gary is a highly sought after public speaker, a 5-time New York Times bestselling author, as well as a prolific angel investor with early investments in companies such as Facebook, Twitter, Tumblr, Venmo, and Uber.

Gary is currently the subject of DailyVee, an online documentary series highlighting what it’s like to be a CEO and public figure in today’s digital world, as well the host of The GaryVee Audio Experience, a top 100 global podcast, and host of #AskGaryVee, a business and advice Q&A show which can be found on both YouTube and Facebook.

Gary also appeared as judge in Apple’s first original series “Planet of the Apps” alongside Gwyneth Paltrow, Jessica Alba and Will.i.am.

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1 Hour of Business Strategy with 7 Entrepreneurs | Inside 4Ds

So many of you send us messages asking for more detailed business advice from Gary - that’s why we love putting out these 4Ds sessions where Gary really digs in deep into the tactics of growing businesses with CEOs and entrepreneurs.

Here are some things he covers:
+ When scaling fast, how to transfer the knowledge | 8:30
+ Marketing strategies for B2B companies | 9:30
+ The nuances of Facebook’s platform and how it changed over the years | 41:00
And a ton more - curious to hear your favorite time stamp in the comments!

1:30 | How do you create urgency for a product catering to SMBs?
8:30 | When scaling so fast, how do you make sure the knowledge transfer happens?
9:30 | Can B2B SaaS products leverage influencers?
11:20 | CTA advice for a IRL banner campaign?
15:50 | How do I become a thought-leader in multiple online communities?
30:20 | How do I brand my Mortgage company to steal consumers from the bigger companies?
36:00 | Whoever brings the most value and the least amount of friction o the end consumer wins
38:25 | Should we brand the co-founder and the business?
41:00 | Facebook's Evolution
42:00 | How to have the correct Right Hook mindset
46:00 | If you sell something you believe in, you won
47:30 | Build your own media team

►If you're interested in joining the next 4Ds session, sign up here:

►Listen to the full 4Ds session on Gary's podcast:


Check out my new direct to consumer winery, Empathy Wines:


Follow my journey as an #entrepreneur here:


►Check out my second channel here:


Gary Vaynerchuk is the chairman of VaynerX, a modern-day media and communications holding company and the active CEO of VaynerMedia, a full-service advertising agency servicing Fortune 100 clients across the company’s 4 locations.

In addition to VaynerMedia, VaynerX also includes Gallery Media Group, which houses women’s lifestyle brand PureWow and men's lifestyle brand ONE37pm. In addition to running VaynerMedia, Gary also serves as a partner in the athlete representation agency VaynerSports, cannabis-focused branding and marketing agency Green Street and restaurant reservations app Resy.

Gary is a board/advisory member of Ad Council and Pencils of Promise, and is a longtime Well Member of Charity:Water.

Gary is a highly sought after public speaker, a 5-time New York Times bestselling author, as well as a prolific angel investor with early investments in companies such as Facebook, Twitter, Tumblr, Venmo, and Uber.

Gary is currently the subject of DailyVee, an online documentary series highlighting what it’s like to be a CEO and public figure in today’s digital world, as well the host of The GaryVee Audio Experience, a top 100 global podcast, and host of #AskGaryVee, a business and advice Q&A show which can be found on both YouTube and Facebook.

Gary also appeared as a judge in Apple’s first original series “Planet of the Apps” alongside Gwyneth Paltrow, Jessica Alba and Will.i.am.

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How to Get Rich Quick in 2019 [3 Short-term Investments]

You can get rich in 2019 and I’m revealing three lottery-ticket investments that can make it happen. These aren’t guaranteed but if just one pays off, it could mean millions in less than a year.

We usually talk about long-term investing here on the channel but that doesn’t mean I don’t like to make some big bets to become rich fast. By investing just a small part of my portfolio in these three jackpot investments, I get the potential to double my money every couple of years.

I’ve been investing on Lending Club for three years and book double-digit returns on p2p investing. Get started and protect your money from a crash in stocks,

Invest more of your money in these investments and you can become wealthy much faster, like in a year or less.

In this video, I’ll share these three easy ways to get rich. I show you how to get started, why these investments could make you millions and the risks involved in each. I’ll then share the three secrets to getting rich on any strategy, rich people principles that will make you wealthy.

Investing in the Next Big Thing: How to Invest in Startups – Learn the step-by-step process I used working for venture capital firms to find startup investments and make triple-digit returns with this book.

Step by Step Dividend Investing – Get paid to invest! How to find income investments for fast cash flow and create passive income with dividends, REITs and MLPs with this book.

I want to stress that I’m not saying you should have all your money in these get rich investments. That’s not how I do it and I don’t think you should either. What I’m saying is invest a part of your money in each of these and you will make money fast without losing all your portfolio in one investment.

You see, knowing how to become rich also means understanding how to spread your risk around and not lose money. That’s why I’m sharing three ways to get rich instead of just my favorite investment (hint: it’s the first one in the list).

I’ve added an index to the video and those three easy ways to get rich but watch the entire video because there is a lot of information on how to invest, the risks in each and the secrets to getting rich and staying that way.

1:42 How to Get Rich in Leveraged Investments
2:00 How to Become Rich with Futures Trading
5:39 How to Become Wealthy with Options Investing
10:57 How to Get Rich in Bitcoin (how to value Bitcoin)
14:08 3 Secrets to Getting Rich on Any Strategy

SUBSCRIBE to create the financial future you deserve with videos on beating debt, making more money and making your money work for you.

YouTube Community Exclusive: 55% Off my Goals-Based Investing Strategy Course! Huge shift from traditional returns-based strategy of chasing stocks to a strategy designed around your goals – Coupon Code: COMMUNITY


Don’t invest another dime until you read this free special report - the 10 Lies Wall Street Tells Investors


Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
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How I retired at 36, and spent 20 years sailing (FIRE, Minimalism, and when "Enough" is Enough)

I retired young to live a life of travel and adventure. I thought people looking into early retirement or f.i.r.e (financial independence retire early) might like to hear from someone who has been living this way for 30 years.

FOLLOW-UP VIDEO:


SURVEY
if you are interested in organizing or joining an Enough is Enough community in your area, please fill out this form so we can keep you notified:

Many people have already signed up, and we are keeping a map and updating it regularly (with first names and cities only), here. Fill out the survey to be added to the map:

#enoughisenough #minimalism #earlyretirement

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How to Sell on the Phone in Today's Market

Be sure to download Marc's incredible e-book on 25 Tips to Crush Your Sales Goal! Just go here to get the e-book instantly:

Phone Sales Video Summary:

Phone Sales Tips #1: Have a script for all of your prospecting calls.

There is nothing more frustrating to a prospect than when a salesperson fumbles through a sales call without a clear objective. One of the best phone sales tips out there is to use a script that lays out exactly how you will open the call, what you're going to ask, and how you will close the call. No more winging it. When you get a good prospect on the phone, it’s a knucklehead move to just wing that call. Script the hell out of your sales calls—even those that aren't cold calls.

Phone Sales Tips #2: Take risks.

For some reason, salespeople live in fear of calls. It’s as if the prospect will be able to reach through the phone and stab us in the eyes—that’s how scared we are of picking up the phone. But they can't touch us, and they can't hurt us. And you know what? If you screw up a call, so what? Big deal. It doesn't matter. The prospect won't even remember next month anyway. Be willing to take risks with your calls and if the prospect is being wishy-washy, call that person to task. If the prospect tells you to call back next month, ask, “Are you just trying to get rid of me, or do you actually want me to call?”

Phone Sales Tips #3: Don't just use the phone.

This might seem like it goes against all the other phone sales tips I just shared with you. But the truth is, the phone works best in conjunction with other powerful sales tools. When you call a prospect and you don't get through, it’s time to leave a voicemail, send an email, send over a package, and then call again. In fact, planning out your entire prospecting campaign is going to make your sales calls that much more effective. This way, your prospects are going to know who you are by the time you actually get them on the phone.

Phone Sales Tips #4: Call high.

If you’re going to make hundreds or even thousands of calls per month, investing countless hours in the activity, do you want to be calling the decision maker or just some lemming who’s going to have to ultimately pitch you to the boss? It's time to call high. Whoever you're calling now is probably lower level than you really should be calling. If you're calling managers, start calling directors. If you've been calling directors, start calling VPs or CEOs. The higher you call, the more you maximize your return on those calls.

Phone Sales Tips #5: Call early, call late, and call often.

Now that we've established that you're going to call high, the question is, how do you actually get through to that person? And the solution is simple. (By the way, I want to make a disclaimer here: 99% of readers will ignore this tip, but the 1% who implement it will make a lot of money.) High-level prospects typically work from 7AM to 7PM. In fact, many work from 6AM to 9PM. The data shows us that almost all CEOs work a few hours on Saturday. But when do gatekeepers work? Nine to five. Maybe 8:30 to 5:30 if they're workaholic-type admins. The bottom line is that when you call your high-level prospects early and late—and even on Saturdays—they are there. And best of all, their gatekeepers are not.

Qualifying for Income Property Loans with Graham Parham - Episode #40

Graham Parham, Senior Mortgage Loan Officer with Highlands Residential Mortgage in Dallas, TX, tells you how to best obtain mortgage loans for investment real estate in today’s lending environment.

 

Listen to this week’s show and learn:

 

03:02  Why you often want a mortgage loan, even if you can pay cash for a property.

 

04:35  Your downside risk of high leverage.

 

05:50  Loan-To-Value ratio (LTV) explanation and significance.

 

08:08  Last chance to invest in your own Panama coffee farm parcels at a discount.

 

12:38  Mortgage Banker and Mortgage Broker - what’s the difference?

 

14:00  Why it’s more difficult to qualify for a loan today.

 

18:01  The three “C”s: Credit, Capacity, Collateral. Your requirements for credit score, reserves, and down payment.

 

23:44  Interest rates for an investment property are higher than for a primary residence.

 

24:39  How long will interest rates stay low?

 

26:08  Are 40-year mortgages coming?

 

28:50  Your debt-to-income ratio (DTI).

 

31:26  Can foreign buyers obtain loans for U.S. property?

 

32:55  LLC formation for income property.

 

36:38  Seeking more than 10 financed properties?

 

37:36  How RE investors from one state can buy in a different state.

 

39:37  Keith’s strategies on reducing your DTI so that you can qualify for income property.

 

42:23  Use AirBnB income to qualify for rental property?

 

42:43  Home Equity Lines Of Credit (HELOCs) can help you tremendously.

 

44:27  Self-employment income and your loan qualification.

 

Resources mentioned:

 

GrahamParham.com | (855) 326-6802 | gparham@highlandsmortgage.com  

 

MyFico.com

 

Dodd-Frank Act

 

InternationalCoffeeFarms.com (ICFC). One qualifies for the ICFC $1,000 discount per coffee parcel by e-mailing Coffee@GetRichEducation.com and submitting paperwork to ICFC by July 31, 2015. An additional 30 days is allowed to fund.

 

Visit our website at GetRichEducation.com to subscribe to our free newsletter.

 

Download the GRE Android App at Google Play and keep the GRE icon right on your phone’s home screen!

 

We would be grateful if you wrote a review! Here’s how to write one at: iTunes, Stitcher, and Android!

 

Golmaal: Fun Unlimited (2006) {HD} - Full Movie - Ajay Devgn - Arshad Warsi - SuperHit Comedy Movie

Arshad Warsi Best Comedy Scene - 09:53
Ajay Devgan Comedy Scene - 30:05
Sanjay Mishra Hit Comedy Scene - 36:41
Tusshar Kapoor Superhit Comedy Scene - 46:07
Vrajesh Hirjee Comedy Scene - 1:20:09
Sharman Joshi Best Comedy Scene - 1:39:09
Paresh Rawal Comedy Scene - 1:48:09

Four good-for-nothing con-men force themselves into a blind couple's home, pretending that one of them is the couple's grandson from America. There they meet a beautiful girl, who happens to be their neighbor and promptly fall in love. More foolishness ensues as they try evading their debtor and plan on foiling a gangster's plan to retrieve stolen diamonds. Also watch out for the climax where the blind couple unveal a sensational secret.

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How to Build Confidence and Self-esteem | Aubrey Marcus Podcast w/ GaryVee

This episode is my second time on my friend Aubrey Marcus' podcast. We talked the impending dissolution of privacy, the rise of open relationships, ego vs confidence, being authentic and being happy, major insecurities people have and more conversation around the rebranding the look of a successful entrepreneurs.

Link to my first podcast with Aubrey Marcus:
Checkout Aubrey's Instagram here:
Checkout Aubrey's Podcast here:

00:00 - 3:00 | Why GaryVee is Happy All the Time
4:00 - 5:30 | How Do We Make Happiness the North Star instead of Money Being the North Star
5:50 - 7:10 | Bandwagon Fans
7:50 - 9:04 | High School Generally Doesn’t End For A lot of People
11:30 - 13:25 | We’re Living Through the Beginning
14:20 - 16:30 | Solve it for Yourself
17:00 - 19:10 | You Are NOT BROKEN!
19:50 - 20:10 | Truth is the only way to win
22:15 - 24:15 | You Find for What You Are Looking For
25:10 - 27:30 | Coming from Too Much is an Advantage in 2019-2020
28:00 - 30:05 | We should help people calibrate judgement
30:30 - 32:50 | Ego vs. Insecurity
33:00 - 34:12 | Trolls Give us Feedback. Sometimes.
39:11 - 40:59 | Live in the Moment
42:00 - 43:00 | Athletes vs. Entrepreneurs
43:05 - 44:30 | Gary’s Very Secret Ambition
44:50 - 45:44 | There is No Figuring it Out
45:55 - 47:45 | Not Buying Dumb Shit
50:15 - 52:15 | Open Relationships Will Be the Norm
53:50 - 56:10 | If You Are In A Good Place Please be LOUDER
57:25 - 58:00 | You Haven’t Started
1:02:20 - 1:04:15 | How Do You Deal With Distancing Friends Who Are Slowing Your Goals
1:05:15 - 1:09:25 | Gary’s Legacy

Thank you for watching this video. I hope that you keep up with the daily videos I post on the channel, subscribe, and share your learnings with those that need to hear it. Your comments are my oxygen, so please take a second and say ‘Hey’ ;).

Check out my new direct to consumer winery, Empathy Wines:


Follow my journey as an #entrepreneur here:


► Subscribe to my channel here:
►Check out my second channel here:


Gary Vaynerchuk is the chairman of VaynerX, a modern-day media and communications holding company and the active CEO of VaynerMedia, a full-service advertising agency servicing Fortune 100 clients across the company’s 4 locations.

In addition to VaynerMedia, VaynerX also includes Gallery Media Group, which houses women’s lifestyle brand PureWow and men's lifestyle brand ONE37pm. In addition to running VaynerMedia, Gary also serves as a partner in the athlete representation agency VaynerSports, cannabis-focused branding and marketing agency Green Street and restaurant reservations app Resy.

Gary is a board/advisory member of Ad Council and Pencils of Promise, and is a longtime Well Member of Charity:Water.

Gary is a highly sought after public speaker, a 5-time New York Times bestselling author, as well as a prolific angel investor with early investments in companies such as Facebook, Twitter, Tumblr, Venmo, and Uber.

Gary is currently the subject of DailyVee, an online documentary series highlighting what it’s like to be a CEO and public figure in today’s digital world, as well the host of The GaryVee Audio Experience, a top 100 global podcast, and host of #AskGaryVee, a business and advice Q&A show which can be found on both YouTube and Facebook.

Gary also appeared as judge in Apple’s first original series “Planet of the Apps” alongside Gwyneth Paltrow, Jessica Alba and Will.i.am.

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The Smartphone Platform You've Never Heard Of

After many years, the smartphone platform wars have finally whittled our choices down to iOS or Android. But as much variety as there is to be found in the latter, and as solidly reliable as each platform has become, the fact remains that we're now trapped in a somewhat dull duopoly.

Sailfish OS is not here to save us. The platform, which first saw wide release in 2013 but traces its roots all the way back to the heyday of Nokia, doesn't have enough momentum to topple the entrenched competition (nor do its custodians seem to yearn for such an upset). But for those who simply can't brook the idea of toting an Apple- or Google-powered smartphone, the mere existence of Sailfish OS as an alternative choice is reason to celebrate. And for the rest of us, who defected to one of the two evil empires long ago but still yearn for some innovative influences on these predictable platforms, Sailfish serves as a refreshing reservoir of new ideas (and friendly fonts). Join me for a quick look at this rarely-seen platform in MrMobile's Sailfish OS hands-on!


[SPONSOR]

This video is brought to you by Thrifter, a new way to save money by shopping based on value (and not hype). Visit Thrifter for great deals on everything from gadgets to home goods, at


[SUBSCRIBE]




[ABOUT MRMOBILE'S SAILFISH OS HANDS-ON]

MrMobile's Sailfish OS Hands-On was produced following several weeks of on-and-off usage with Sailfish X running on a Sony Xperia X on loan from Jolla. The device was not unlocked for the North American market and so it was used exclusively on WiFi.


[LINKS]

Sailfish OS:


Jolla / Sailfish Review [Pocketnow]:



[MUSIC]

“A New Departure” by Vincent Tone, available at Premium Beat:


“E-Business” by Olive Musique, available at Premium Beat:



[SOCIALIZE]








[DISCLOSURE]

This post may contain affiliate links. See Mobile Nations' disclosure policy for more details:
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The Automatic Millionaire - Full Audiobook (2x speed + Alpha - Gamma Binaural Beats)

You don’t need a budget
You don’t need willpower
You don’t need to make a lot of money
You don’t need to be that interested in money
You can set up the plan in an hour

David Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home.

This one little book has the power to secure your financial future. Do it once--the rest is automatic!

The Workbook is available:

1:56 Session One: Meeting the Automatic Millionaire
01 A system that works while you sleep
02 Living the American Dream
03 About David Bach
04 Grandma Bach's Advice
05 Six powerful questions
06 What you will learn in the Automatic Millionaire
07 What you will love about this program
08 A powerful meeting of how the Automatic Millionaire Came to be
09 First action steps

29:39 Session Two: The Latte Factor: Becoming an Automatic Millionaire on Just a Few Dollars a Day
01 Breaking the myth of budgets
02 You cannot think your way to wealth
03 How the Latte Factor came to be
04 What's your Latte Factor
05 The Latte Factor math
06 A story about applying the Latte Factor
07 How this money adds up
08 Session two action steps

46:31 Session Three: Learn to Pay Yourself First
01 Why not pay yourself first
02 How the system is set up against you
03 A thought to consider
04 Six routes to wealth
05 The formula for paying yourself first
06 How David applied this formula
07 A challenge
08 Session three action steps

58:55 Session Four: Now Make It Automatic
01 The core principle of this program
02 Another example from Jim and Sue McIntyre
03 Establishing a 401(k) plan
04 A life-changing example
05 Reasons people don't establish a retirement account
06 Making paying yourself first automatic
07 A story that illustrates the power of paying yourself first
08 IRA's--what they are and aren't
09 The Roth IRA
10 The SEP IRA
11 The investment pyramid
12 Session four action steps

1:28:10 Session Five: Automate for a Rainy Day
01 Having an emergency basket of cash
02 When the going gets tough, cash is king
03 How much to put in your emergency basket
04 Where you shouldn't put this money
05 Shopping for a good interest rate
06 Money market accounts and brokerage firms
07 Inflation bonds and Patriot bonds
08 Dealing with debt
09 Session five action steps

1:42:45 Session Six: Automatic Debt-Free Home-ownership
01 A critical message
02 The six reasons a home makes a great investment
03 Dealing with real estate bubbles
04 Getting the down payment
05 Advice if you're a renter
06 How much home can you afford
07 Financing
08 Different types of loan products
09 The 30-year mortgage -- pros and cons
10 Debt-free home ownership made easy
11 Session six action steps

2:13:13 Session Seven: The Automatic Debt-Free Lifestyle
01 A Plan to Tackle Credit Card Debt
02 Getting into credit card debt
03 Operation No More Debt -- Step One
04 Renegotiating your interest rate
05 Consolidating your debt
06 DOLP - Dead On Last Payment
07 Determining your credit score
08 Debt Counseling
09 Making your debt payments automatic
10 Auto purchasing, financing, and leasing
11 Session seven action steps

2:30:31 Session Eight: Make a Difference with Automatic Tithing
01 A quote from Winston Churchill
02 An interesting thing about tithing\
03 There's more to life than money
04 Determining a percentage to tithe
05 Making your tithing automatic--steps 1-3
06 Making your tithing automatic--steps 4 and 5
07 Session seven action steps
08 Come out and play

2:46:21 Session Nine: The Finish Rich File Folder System

The Binaural Beats with this audiobook are Alpha Based
at 10.5 hz travelling to 40hz Gamma (genius frequency)
back to Alpha then Gamma once more.

Sincerely Hope You Enjoy!

How to Manage Debt



For thousands of years, people have borrowed money to buy things. It's how the banking business started. Debt is not necessarily bad, but if you're not reducing debt faster than you're accumulating it, then debt can be a disaster to your financial health. Here's a question: how much is too much debt for you? Banks evaluate your creditworthiness by calculating your total debt-to-income ratio. 36% is acceptable. Over 40% is a red flag for potential danger. Under 30% is where you want to be. Do your own calculations to see if you are debt-heavy. Here are some warning signs of carrying too much debt: you spend more than you earn each month; you skip payments on some bills in order to pay others; you make the minimum payments on your credit cards; you're maxed out on your credit card limits; you're receiving late payment notices. If you think you have too much debt, you probably do. Let's talk about a plan to better manage and minimize your debts. First, create a realistic budget and follow it. Only 39% of American set a monthly budget and stick to it. That's probably why the majority of Americans spent more than they earned last year. Have a debt reduction plan. It's smart to pay down the debts with the highest interest rate. Some people prefer to pay off their smallest debts first. Do whatever works for you, as long as you're constantly reducing what you owe. Adjust your lifestyle. Sometimes the single best strategy is to live more simply. Drive a less expensive car. Sell your house and get a smaller mortgage. Find ways to cut back, spend less, and save more. Earn more money. Look into your options for a higher-paying job, or get a second part-time job to increase your monthly income. Start saving. Make saving part of your monthly budget. It takes commitment and discipline, but most money-smart people save at least 15% of their income every month. Talk directly with your creditors. Many will work out a revised payment schedule. If they know you're committed to paying off your obligation, they sometimes reduce their fees, or won't report you to a credit bureau. Debt is not the problem - being responsible about it is. Minimizing your debt and managing your cash flow is crucial to your financial health. You can't get ahead if you're falling behind, and you want to get ahead.

"God's Promises About Giving" with Pastor Rick Warren

God makes more promises in the Bible about giving generously than anything else. In this message, Pastor Rick Warren will talk about the nine rewards God promises us when we learn to be generous with money.

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Value Add Properties - Real Estate Investment Tips

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There's a small niche market for a certain types of investors. The types of properties in this niche market are called Value Add properties, and these investors usually have three things. A great deal of cash...a sophisticated team including their real estate broker and contractors, and the stomach to take some big and risky leaps. Chances are you've seen these properties just in your daily commute. The empty office buildings, the rundown apartments and the retail center that USED to be nice but now it's just so worn out. These are the type of properties that for the right price and the right investor can make huge amounts of income over time...if you have the right stomach for it!

First, let me touch a bit on how valuating commercial property works. Here we have a $1M office building. Let's say it has 20 different spaces that it could rent out, and only 2 of them are rented. Together, each unit pays $1000/month. If you remember from my Commercial Loan Process video, a commercial loan has to pay for itself and THEN some. With the building listed for $1M, there is no WAY you could get a loan that's under $2000/month! Just in taxes and insurance alone would cost you more!!

But wait...if the whole point of commercial investment real estate is to make a profit on the rents...why would I buy something that's going to make me a NEGATIVE cash flow every month? And this is exactly where the value add comes in!

The first catch is that you have to buy this property with cash or with a hard money lender as I discussed in my Hard Money Loan video. You may be buying this property for $1M, but the good thing is that it would cost you MORE than that to even BUILD it from scratch...so you're already one step in the right direction. Not only that, but at this price, you could just undercut all the other office landlords and rent your remaining 18 units for $750/month. With that, you can fill it up in NO time!! Now instead of just $2000/month, you're making over $15,500! This easily translates to a high positive cash flow! Once the property is stabilized with these tenants for a while, you have a few options.

First you can improve the building and charge the tenants more money once their leases are through. This adds value to your property - making it more desirable - and makes tenants more acceptable to paying higher rents since they'd be in an upgraded building. Secondly if you choose, you could refinance the property. This will free up some funds that you initially invested so you could reinvest elsewhere. Finally you could flip the property for a profit! Without getting into detailed numbers, if you do your research and find that OTHER similar office buildings which make about the same monthly income of $15,500/month are selling for $2M, then your property is likely in that same range.

For those of you that are a bit more comfortable with homes, let me compare it to a residential value add. We all probably know it as flipping houses. There's a $250k house that's completely gutted...no one wants to buy it all cash when they can buy the neighbor's house for $500k. Someone comes along and figures that they could do the repairs themselves...and after a few months and about $100k, the home is worth $500k just like the neighbors. You add the $250k home price plus another $100k in rehab, that's a $150k profit.

There is a final catch to all this as well. There's always a potential for something to go wrong. For instance, let's say that you're unable to rent out the units for $750/month, and instead you have to rent them out for $500/month...what is that going to do to your projections? This is why you have to be able to weigh your risk vs. what you determine will happen in the future with as much analysis as possible.

These niche value add properties aren't usually easy to find. And like I mentioned before, they come with a HUGE risks. This means that even though there MIGHT be a HUGE payoff after the project is completed there's also a chance you only break even or even lose money. Most people are completely comfortable making a safe 6-12% return, vs. risking it to make 15-20%. This is why having a sophisticated team working for you is essential. You need to have everything lined up before you even attempt to buy a value add type of property. Weigh all your risks, do all the research and analysis you can, and if you're confident -- and have the stomach to make some huge profits -- then go for it...now that's good to know.

Realty Glimpse LIVE - insurance

Tim Gassner is the manager of Western Financial Group in Grande Prairie. If you want to talk residential insurance, this is the guy! He and Celesté Joubert answer questions on Property Insurance and Mortgage Insurance. Get answers to your questions as it relates to buying and owning a home. When you buy a home, you need home insurance. If you need insurance, you need to watch this! (See also market place link below)

1:14 What is property Insurance?
2:01 Does an insurance company look at the history of a property before they insure it?
2:53 How does getting insurance from an insurance broker differ from getting insurance from a bank?
3:44 Do insurance companies [that the broker represents] specialize in different types of properties?
4:43 In addition to security systems, are there things that might qualify the customer for a break on their insurance costs?
5:35 Is the insurance company asking about the existing safety features (i.e., an automatic water shut-off valve vs. a manual shut-off valve) that may exist in the home that may qualify the customer for less expensive insurance (as the customer may not know what things to look for)?
6:29 There are two different kinds of insurance rates, what are they?
7:37 Having the property evaluated can lesson the cost of insurance, how do I evaluate the property?
9:27 Is the cheapest insurance the best insurance to get?
11:15 Are there specific things that you think customers should be getting covered that they commonly aren’t getting covered?
11:50 What is Cyber coverage?
12:40 What is another coverage that might be important to the customer that they may not think about?
14:44 When it comes to insuring specifics (such as the sewer line), are insurance companies looking deeper at what neighbourhoods might be more susceptible to problems (e.g., in the case of a sewer line, the material that the sewer line is made of could be paper, clay, varying plastics and metals)?
15:54 Does the insurance company ever request to see a copy of inspections, such as a sewer line inspection, or a property inspection?
16:40 Are there other things I can have in my house that is going to save me on insurance (e.g., a sump pump, or maybe not having a sump pump and having the line drain directly into the city sewer system)?
Talking Points
16:57 Sump pump battery back up, a second sump pump
17:06 Potential Rebates for different preventative measures such as back flow preventer valves
17:30 Three different kinds of discounts for Security Systems - Burglary, Fire, Water (temperature sensing)
18:06 Do insurance companies look at different home types differently – e.g., manufactured homes vs. houses?
19:40 Can a holiday make a property be considered “vacant” by an insurance company (and risk coverage or make it subject to a higher premium)?
19:45 Different property statuses, “Vacant”, “Unoccupied”, “Occupied”, “Away”
20:22 If you are away for 24 hours, do you risk not having coverage if something happens? (Importance of draining water out of pipes)
21:16 Is a house insured when the power is off (risk of sump pumps not working, heating etc.)
22:31 What can be particularly hard to insure (wood heating can change a premium from “regular” + add 25%)
Mortgage Insurance
23:39 What is Mortgage Insurance?
24:58 What is the difference between what the bank offers for mortgage insurance and what you can get from an insurance broker, like Western Financial Group?
26:20 What is Post Claim
28:00 How does the insurance rate you pay the insurance broker compare to what the bank is offering?
28:52 A big disadvantage to bank insurances that only cover for a term (e.g., 5 years) and then asks the same questions again, as opposed to the full amortization period (e.g., 25 years).
Link referred to by Celesté


31:31 How often should you be updating your property insurance?
33:34 Could you insure your house for $350,000 today, and then find out during a boom that the insurance you purchased won’t cover the replacement costs due to the more expensive trades or products? #inflation
34:11 How does an insurance company factor in the decreasing value of items such as shingles, hot water tanks, furnaces etc..?
35:56 Does replacement value include contents as well, for example, will the insurance company say your sofa is 10 years old, so we will give you $200 for it?
36:30 Does it need to be written into the policy that contents are covered at full replacement costs?
37:10 When making a claim, do you need bring receipts in that show what you paid?
38:11 Do you have to pay for the items first, and then be reimbursed by the insurance company (for contents)?
39:23 At what point should a buyer consider having a condition in their purchase agreement that the purchase is subject to finding insurance – when might someone risk not finding insurance?

#yqu #gpab

David Rosenberg | Betting Against on the ‘Powell Put’ and the Return of the 'Risk-Off' Trade

Subscribe to Hidden Forces and gain access to the episode overtime, transcript, and show rundown here:

In Episode 91 of Hidden Forces, Demetri Kofinas speaks with Chief Economist and Strategist at Gluskin Sheff, David Rosenberg, about the latest Fed rate decision and his outlook for the global economy. In the overtime to this week’s episode, David provides listeners with a look into his investment strategy and how he is positioning himself and his clients for a global slowdown that he believes may already be underway.
David Rosenberg and Demetri recorded this episode only hours after the FOMC concluded its two-day meeting this past Wednesday. The Federal Open Market Committee decided to keep the fed funds rate unchanged, while simultaneously signaling a strong willingness to begin easing, possibly as soon as next month.

It is David Rosenberg’s conviction that the Federal Reserve has over tightened monetary policy during this cycle possibly by as many as one-hundred basis points – four rate hikes - and that Jay Powell and the board of governors at the Fed are worried that they may have precipitated the bursting of another bubble. This time, however, the bubble isn’t in housing or consumer credit. The bubble in 2019 is in the corporate bond market where multinational corporations have feasted on the issuance of trillions of dollars of new debt used to finance mergers, acquisitions, and share buybacks, while simultaneously cutting back on the capital investment needed to grow their businesses and service their debts long-term.
The last ten years have been a great time for stocks, fueled by a bonanza of free money and an implicit guarantee by the Fed to support asset prices at all costs. But the question has always lingered, “What will happen as the Fed continues to raise rates, normalize its balance sheet and tighten monetary policy?” Is this a new financial paradigm where fundamentals no longer matter and perpetual liquidity is the name of the game or does the global economy’s increased reliance on debt financing in order to drive earnings and levitate asset prices remain as unsustainable today as it has been in any prior historical period? Is this time truly different?

As always, subscribers to our Hidden Forces Patreon page can access the overtime to this week’s episode, which includes a discussion about how David is positioning himself and his clients for the likelihood of a recession and return to bear market territory for stocks and commodities. We discuss the US dollar, precious metals, treasuries, currencies, as well as certain defensive stocks that David believes are likely to outperform the overall market in a downturn. You can learn more at Patreon.com/HiddenForces.

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10 Levels of Financial Independence And Early Retirement | How to Retire Early

10 Levels of Financial Independence And Early Retirement | How to Retire Early.

Long-term financial goals can sometimes seem so big that they feel almost unattainable especially when we’re just getting started on our road to financial independence. I and many others like me in the financially independent, retired early community have found it helpful to break down the goal of becoming financially independent into smaller and more manageable levels of financial independence. Not only because it makes it easier for us to track our progress, which in turns helps us to stay motivated throughout the process, but also because it helps us get over that initial hurdle of starting to chip away at this mountain of a task. In today’s video, I’m going to take you through what I consider to be the 10 levels of financial independence as well as give an example on how to go from the first level to achieving Financial Independence in your lifetime.

LINKS MENTIONED IN VIDEO:
Reddit LeanFire link:
Reddit FatFire link:
11 Stages of Wealth:
7 Stages of FI:
3 Levels of FI:
6 Stages of Financial Freedom:
55 Stages of FI:

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#FinancialFreedom #FinancialIndepdendence #EarlyRetirement

Disclaimers: All opinions are my own, sponsors are acknowledged. Links in the description are typically affiliate links that let you help support the channel at no extra cost to you.

2 Hours of BEAST MODE Eric Thomas MOTIVATION!

Check out Eric's Latest Books:
* Average Skill Phenomenal Will:
* Greatness Is Upon You:
* The Secret to Success:

✎ Grab a snack and chew on today's lessons from a man who went from a high school drop out, living homeless and eating out of trash cans, to overcoming all of life's hardships and improving the lives of millions of people as one of the world's best motivational speaker! He's Eric Thomas and here's my take on his Top 50 Rules for Success!

★★★ SECRET BONUS VIDEO ★★★
Get a FREE video every morning to help you build your confidence for the next 254 days from mentors like Tony Robbins, Oprah, and Muhammad Ali. Find out here:

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If you loved this video, help people in other countries enjoy it too by making captions for it. Spread the love and impact.


★ MORE RECOMMENDED VIDEOS FOR YOU ★
If you enjoyed this video, you may enjoy these other videos from Evan Carmichael:
• Eric Thomas's Top 10 Rules For Success -
• Eric Thomas's Top 10 Rules For Success - Volume 2 -
• Eric Thomas' MOTIVATION for 2018 -

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♛ BUY MY BOOKS, CHANGE YOUR LIFE ♛
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