Thứ Năm, 19 tháng 10, 2017

Waching daily Oct 20 2017

In this video were to talk about the best landing page builders for WordPress hi my

name is Adam from WPCrafter.com where release a ton of content around WordPress and hope

you get better results faster if you do your consider clicking on the subscribe button

and if you don't want to miss anything click off the little bell next the subscribe button

and you too will let you know when I have new videos sorted talk about landing pages

in this video were to compare some of the various landing page builders out there and

talk about the pros and cons of those landing parades builders first of all if you're not

familiar with the landing page to delete just a page on your website with a singular focus

where you're trying to get a singular action from someone and typically what you're gonna

want to do is eliminate other options that might be distracting for your web visitor

and these would be your primarily your header and that's for your logo and mainly your menu

items are to be because you don't want them to leave your landing page want to keep him

on it so typically you remove your header and footer and there are several tools that

will allow you to do this with your WordPress-based website before I even talk about any of them

I want to give you the best piece of advice here it's always best to see if what you already

have can be used for this purpose there's no sense in getting something new to your

website if what you have can already do this now there's pros and cons with all these things

so I'm to go through them right now in this video and I'm gonna show you a couple of the

reasons why I like the two top landing page builders for WordPress cake suffers a minute

and try to keep things positive here I want to go over a landing page builder that I think

you should consider avoiding and I'll explain why and that is going to be optimize press

now I'm sure if you're on the market looking for landing page builders are gonna come across

optimize presses website optimized press is fantastic if it was 2014 were not in 2014

right now and it pretty much hasn't changed that much since 2014 now when this first came

out it had this amazing page building experience there was nothing like that and now it is

the worst page building experience because we have true front end page building editors

so this is very clunky and clumsy you have to click five or six times is very awkward

and difficult to work with now I own this I bought it the day it launched in 2014 although

I haven't used it or touched in the last two years and I have followed its development

though in nothing really significant has changed or happened with it so that is optimize press

now the lure to optimize press is that there's some templates that come with it but even

all the free templates that come with it today are all pretty much dated so because of that

I am recommending that you just skip optimize press altogether also I find it's actually

kind of pricey when you compare some of the options out I think the least expensive option

is $97 for one site and there's renewals and and stuff like that so the next one were to

talk about is Beaver Builder now I wouldn't go ins I wouldn't suggest going and buying

it Beaver Builder specifically for landing pages Beaver Builder is a very good well rounded

page builder for WordPress and you could also build a landing pages with it however if all

you're after his landing pages there are better tools out there for the job that I'm in a

talk about in this video and Beaver Builder's gonna run you $99 for unlimited installations

on unlimited websites if you do client work you can also install it on their websites

now one of the negatives with Beaver Builder for doing a landing page is it doesn't have

a built-in mechanism to remove the header or the footer you need to do that with custom

CSS or there is a free plug-in right here that you can get and add to it called full

with templates for any theme or page builder you can just go to WordPress plug-ins click

on add new and do a search for full with templates and it will pull right up and this will make

it so with any of these page builders you can use this tool to remove the header and

footer in just a few mouse clicks and if you come to this page right here and scroll down

you'll see a video it happens to be me explaining how to use this so if you're curious about

this and want to use it for your website this is the best way to go so I don't really recommend

this going and getting Beaver Builder for that purpose but if you're looking for an

all-around page builder it can do both of that next Wednesday to be Divi and honestly

I've been good and then harsh at times on the Divi for various reasons and they have

been impressing me lately they have been coming out with feature update after feature update

each week and it's been some impressive stuff I must say now Divi builder is $89 and you

can install that on unlimited websites as a one year license now what's interesting

about it is that it includes is something that might be important to you if you are

trying to build a landing page it has built in a B split testing and what that means is

you can create variations of your landing page so you can see which one is getting a

higher conversion rate so if a conversion rate is filling out a form that's a conversion

you can have multiple versions and then you could go back and look at it later and see

which version had the most number of sign-ups to that form or whatever the success would

be quantified as clicking on a button or something like that and so it has this a B split testing

built into it also a another huge +4 Divi builder is that it has in-line editing what

that means is him and actually show you in-line editing in a moment but not with Divi builder

that's where you can basically just click on the text that's on your template and start

typing away and changing it that essentially means it's a lot more simple to use now most

people don't go in by Divi builder simply for building landing pages I just want to

included in this video as an option because they've been adding lots of nice new features

that involve fonts and backgrounds subtle animations and more so it's definitely worth

looking into because of the AB split testing aspect of it next is going to be Elementor

now the benefit of Elementor is if you're on a tight budget Elementor has a free version

now you can also get the paid version of it to add some additional features but you can

make a beautiful landing pages solely with the free version and also another thing I

like about Elementor initially all of this in a moment is that it also has that mechanism

with two or three mouse clicks to remove the header and the footer of the page you can

guide your visitor into a singular focus it also has a few landing page templates that

I'll show you they are pretty much in general purpose though they're not really that targeted

so I'm gonna show you that right now now the free version of Elementor you can get right

now in the Pro version is only about $50 for a single site license and they have other

options in this can add additional features that I think would really increase the conversion

rates of your or the engagement rates of your landing pages to things to keep in mind though

number one Elementor today does not have in-line editing however I was on a webinar with them

earlier today where they demonstrated in-line editing for Elementor and that's coming very

soon I don't have that version yet and is probably not to be out for a few weeks if

you're watching this video in a few weeks it's already going to be there so if there's

that in-line editing a second thing is Elementor does not have a B split testing if that's

important to you it may and may not be important to you but I just want you to know in front

they don't have it I don't know if it's on their product roadmap but I wouldn't think

that it would be or if it was it would be kind of low on the totem pole people can use

Elementor to build their entire website but it really does excel and can be added to any

existing WordPress website to add landing pages to it so this is Elementor want to just

demonstrate how easy it is to create that landing page we remove the header and footer

you could just to go to pages and him and add a new page and I'll just name this new

landing page okay now that I put the name in I'm going to click publish and then I'm

in a go ahead and click on this button here that says edit with Elementor now I do have

the Pro version installed they do a good job of separating what you get front with the

Pro from the free version so it's really easy to know what you get alright so here we go

I got this header in this footer here and this is how you get rid of it you click right

here on the left the hamburger icon and there were to go right here it's his page settings

and then right here where it says template it's by default it says default but if you

click there you can change it to words his Elementor canvas what this is going to do

is totally remove the header and the footer and give you a completely blank slate to start

building your landing pages with now like I said there's a free version and a Pro version

so that the free version is gonna allow you to do a lot of things but there's a couple

things that you might want from the paid version and let me scroll down here to it number one

you might want to have an easy to add form Weatherby a contact form or maybe an opt in

form he just has to name email or maybe just their email now if you have the Pro version

you get this form builder in it is the most powerful form builder in terms of being able

to style it very easily that I've seen so it comes with that form builder which I think

is pretty huge another thing that is nice having a landing page or a feature to have

is this price list feature where you can list out prices of things if that is what you wanted

on your landing page there's also a pricing table if you wanted to show some prices here

another thing that's really important that this has is a countdown timer now it's not

an Evergreen countdown timer I'll distinguish with that is when I talk about the next landing

page builder but it doesn't have this countdown timer and lastly what I think is really cool

is up here it's called animated text and it's well animated headline sorry this is actually

really neat you can have it underlined a little bit of text or circle lead or do some really

need interactive kind of attention getting actions like that with this advance headline

I really like that feature a lot I have a ton of content on the channel around Elementor

and of course links everything will be in the video description box down below now I

want to talk about the last landing page builder in it's going to be Thrive Architect Thrive

Architect was recently released it's actually the second generation of a full powered page

builder for WordPress and the rewrote it from the ground up and I gotta say it's pretty

amazing now what this is going to get you is a couple of things number one it already

does in-line editing so what does that right now and I'm then actually now be able to demonstrate

it for you because I'm in a show you this number two a B split testing is coming I don't

know when it's coming I am sure will be this year for sure it is coming they've already

built and a B split testing engine for some of their other product so just a matter of

bringing that into the page builder so that's awesome number three it has the ability to

remove the header and footer so you can create this singularly focused landing page number

four it has integrations with pretty much any every any and every service under the

sun so if you wanted to have the email address be captured it can integrate with any service

and it's probably the deepest integrations available for any of these page builders with

third-party services certainly get out of this another benefit I've already lost count

is that you can generate pop ups with this so if someone is leaving your landing page

you can hit them with a pop up if you wanted to saying hey wait a second don't go here's

XYZ let me give you the stick around that is built-ins you're not going to need to buy

one of those if you want that feature on your landing page and you don't already have some

kind of a pop up plug-in already installed on your website and I do like to save the

best for last Thrive architect has the most templates landing page templates of any of

these different page builders I talked about combined and I want to show you a new one

that was actually recently released what they do is they don't just release a landing page

template they release these in set see you have this consistent design said that you

can use for all of your marketing so before I go into it I just want to talk about the

pricing I think this pricing way down here on this page so we can see I think it says

67 bucks right now here it is not 100 other it is a single site license is $67 and that's

all you pay your get support for a year if you want support after that year it's a really

small fee of $40 or so but you're going to get lifetime updates for the plug-in this

is something that none of the other plug-ins that I've talked about actually give you it's

a one year support and one year of updates so there it is $67 and if you wanted this

on more websites there's other options available here for you so let's take a look at this

real quick I actually haven't done this I wanted to take a look at this new landing

pages said that they release let's take a look at it because there's a couple key things

that I really wanted to show you in this video on a go ahead and click on pages and then

loops there go add new and I'll go ahead and put a title and there is new landing page

I'll go ahead and click on the publish and then I'm in a go ahead and click right here

it says edit with Thrive Architect and it's going to take me into the page builder for

Thrive Architect so by default as you can see it's showing me the header and the footer

but that's okay this is all we need to do we click on the little click will in the top

left like this then we click on template set up and then right here we just click on choose

a landing page template soma to go ahead and click on that and it automatically pulls me

this list of templates that are available and they have them organized in these that's

and one of the things I really like about this is that all of these templates are in

the cloud meaning when I download and install the plug and they're not all now stored on

my website making it take up all this additional space these are all delivered to you in the

clouds when they release a new package of landing page templates there just automatically

there for you so this right here is the new series is called the right someone go ahead

and click on this and you can see it's an entire set of landing pages that all work

together so it's not just landing pages it's a landing pages confirmation pages download

pages cells pages if it's pop right here in \'df in this is all included for that $67

it's crazy like you can literally by this or 67 bucks and go fire your designer if this

meets your needs or you have a desire to learn about it so right here's a perfect example

I think to demonstrate the power of Thrive Architect is right here it's a two-step lead

generating landing page someone go out and click on it and then I'm the click on choose

template is gonna take a moment asking to download and get it all set up for me and

here it is now remember I said this thing called in-line editing it's coming to Elementor

well Thrive Architect already has that in this is what it is you can click on some text

and you can just start editing it right there with all the other page builders when you

click on it it sexing in a pop and a little panel on the left or the right and it's just

not as easy to do what you want to do or intuitive intuitive is I want to click in change right

I want to just click on it and start typing away now let me show you the second thing

that is really interesting about what they're doing with their landing page templates if

you are new starting out you don't have a graphic designer and say you wanted a landing

page like this with this kind of a book right there you would normally have to go and hire

designer to design some kind of a book cover if you are just given away some white paper

or some PDF or something like that what Thrive is done is this is actually integrated into

the book is actually integrated into the landing page and so what that means is you don't need

to go and hire a designer to design some kind of a book cover you can literally with that

same in-line editing click on it and change the title and change this this tagline right

here you can just do it with this in-line editing and it's as simple as that now everything

that you see on this page is a fully customizable so one of the things I really like about Thrive

Architect as it had the only one that has his breadcrumb feature so this is an entire

section here fighting like that read and I kinda wanted to change to my Brands colors

I would click right here it's his background section and then I would scroll down here

and then word says background style I believe that's it and there it is here's the colors

I can click on here and I can change that if I wanted to to maybe like some kind of

a a deep blue like that hey that's actually really nice looking blue so go ahead and click

on apply and there is but that's not all you could put an image back there you could put

a video with no sound you can put a radiance you could put a pattern there is no limit

to what you could do back there so you scroll down it's the same thing you could just click

and it's that in line editing on all of these icons you can click on in change they made

this so it's super easy to click and change on anything you can change the images the

colors all of it is super easy for example I've got this right here I highlighted what

there it is font color I can go ahead and make it that same blue if I wanted to that

I made up here in so it's really easy to click around and change the colors to really make

this for your brand okay so what I want to do next is let me click on save and then a

minute click on preview and I want to show you that it also has that pop up feature so

if you wanted your landing page not to just ask for someone's email you wanted them to

click on a button like this it says get it now it has that built into it some the click

right here and then I'm gonna click on preview it's going to pop it up in a new tab watch

what happens when I click on this it gives me this beautiful pop up and you can edit

this with the very same editor and like I said right here the name in the email you

can integrate this with the longest list of services imaginable I mean it is a deep deep

list so you can see how that works as well now one of the things I really like about

this is the mobile responsive editing options now Elementor has fantastic mobile responsive

editing options and a Thrive Architect does as well all the other ones they're not as

good or easy to use and right now if you're innocent any kind of pay traffic maybe through

Facebook or ads or serve something like that you absolutely need to make sure what you're

creating looks fantastic on a mobile device so what's nice with Thrive Architect is you

can have settings that are specific to devices so you can have some size options that you

can hide some things on a mobile device or tablet or whatever you wanted so these landing

page templates already come perfectly presented for a mobile and a tablet and what we can

do is easily toggle between them with this button right here on the bottom left I can

show you what this looks like on a mobile device and here it is did you notice that

this headline the font size shrunk down we got to the mobile device it's already been

all set up for that and you can just scroll down and see how this is been perfectly edited

you see how these icons were off to the left of the little block that they were in and

when you switch it into mobile view it perfectly goes in centers right above it this is because

the youths have already been set up perfectly for a mobile device the same thing with this

testimonial this image was actually to the right of the testimonial but because it has

an awesome feature with the mobile editing the minute we shrunk it down a put that picture

on the top for you when we show you at that again so I go to desktop you can see right

here it was on the right but one we went to mobile view it went on the top and this is

one of my favorite features that Thrive Architect let you have as well so this is a Thrive Architect

and that is why I think out of all of the landing page builders if you want to add a

landing page to your WordPress a base website that I would recommend giving a long hard

look at Thrive Architect now of course there's a lot of things I didn't go into and most

namely are the list of modules and some of these are so perfect in ideal for landing

pages it is a very powerful and feature-rich button module where you can do amazing looking

things to make your buttons stand out it also has a Evergreen countdown timer and what that

means is when someone visits your landing page you can have a countdown timer that starts

just for them so say take special discount and they can only get that discount for 30

minutes you can show that Evergreen countdown timer to them and it will start the minute

they visit your site that 30 minutes will start ticking ticking down is just a strategy

to motivate someone to take action on whatever you're trying to get them to take action on

the also have this content reveal so that means if you have a landing page where you're

playing a video and say to 10 minute video you can have it be say that the seven minute

mark in the video you're starting to present whatever offer or whatever you're asking them

or will you can have content reveal right at that seven minute mark that would coincide

with what's going on with the video that's another very powerful tool for landing pages

and the list goes on and on all these features are right here built into it so anyways this

is been the various page builders are landing page builders for WordPress if you want to

just add some landing pages to your site it's super easy to do with any of these tools now

I have links to everything down below and I've also created training courses on a four

of these different page builders and these are paid training courses however if you click

in to the video description box and then you click over to purchase any of these products

are one of those links I'm going to give you access to these training courses whichever

one you bought soap it's Elementor Divi Beaver Builder or Thrive I'll give you the training

course that corresponds with that page both of you but I sell these training courses for

between 149 and 199 each you'll get the one that goes with the page near the landing page

builder that you choose and I make that offer because I want to help you get the most out

of it and kind of make the learning curve not be so steep up there all pretty easy to

use landing page builders for WordPress so anyways remember my advice in the beginning

you don't need to buy a landing page builder if Yorty have a tool on your website that

you can use for it I'm just showing you some of these options because even though you might

have a way of doing it it might be worth buying a solution that will get you to the results

you want quicker and it will just be easier to accomplish and that's what I think Thrive

Architect or Elementor will do for you you'll be able to get to that result a lot quicker

so anyways I like to hear which of these builders do you think is the best in which one that

you're having the most success with down in the comment section down below hey thank you

for watching this video and I'll see you in the next one

For more infomation >> Best Landing Page Builders For WordPress? OptimizePress, Beaver, Divi, Elementor, Thrive Architect? - Duration: 26:57.

-------------------------------------------

Learn colors With Motu patlu Masha Spiderman Frozen Elsa Ladybug Heads Gorilla Finger Family Song - Duration: 2:21.

Learn colors With Motu patlu Masha Spiderman Frozen Elsa Ladybug Heads

For more infomation >> Learn colors With Motu patlu Masha Spiderman Frozen Elsa Ladybug Heads Gorilla Finger Family Song - Duration: 2:21.

-------------------------------------------

2800 | R NAit | WHATSAPP STATUS || PUNJABI STATUS || FACEBOOK STATUS || INSTAGRAM STATUS - Duration: 0:28.

MANINDER SIDHU

9464928300

For more infomation >> 2800 | R NAit | WHATSAPP STATUS || PUNJABI STATUS || FACEBOOK STATUS || INSTAGRAM STATUS - Duration: 0:28.

-------------------------------------------

TOP 12 Upcoming Movies Of Salman Khan In 2017, 2018 And 2019 | Upcoming Movies Of Salman Khan - Duration: 6:52.

TOP 12 Upcoming Movies Of Salman Khan In 2017, 2018 And 2019 | Upcoming Movies Of Salman Khan

For more infomation >> TOP 12 Upcoming Movies Of Salman Khan In 2017, 2018 And 2019 | Upcoming Movies Of Salman Khan - Duration: 6:52.

-------------------------------------------

Will & Grace - It's a Camp Kiss-Off (Episode Highlight) - Duration: 1:48.

For more infomation >> Will & Grace - It's a Camp Kiss-Off (Episode Highlight) - Duration: 1:48.

-------------------------------------------

despacito - cartoon parody - Duration: 3:23.

SAJID AHMED SAM

DESPACITO

Daddy Yanke

Justen beber

For more infomation >> despacito - cartoon parody - Duration: 3:23.

-------------------------------------------

Game ZOMBIE HARVEST Cartoon game for Kids Walkthrough of children's games, ZOMBIE HARVEST #5 - Duration: 6:05.

Game ZOMBIE HARVEST Cartoon game for Kids Walkthrough of children's games, ZOMBIE HARVEST #5

For more infomation >> Game ZOMBIE HARVEST Cartoon game for Kids Walkthrough of children's games, ZOMBIE HARVEST #5 - Duration: 6:05.

-------------------------------------------

Namibia road trip final day. A Namibian Travel Vlog by Travel with Simon. - Duration: 10:47.

morning little bulbul and

trust you to turn up at breakfast time, what?

Time to pack up the tent for the last time this trip. Thank you very much tent.

Cosy safe home to live in, thank you.

going to see something that's very typical in this area, and that's a donkey cart

well it's been no over a week now since we've been, since we turned off the tar

road near Okahandja and went to Spitzkoppe and all that time we've been

driving on salt roads, gravel roads now it's time to say goodbye to those and

say hello to the tar road once again

so back on tar from here we're going to go

to Rehoboth and then Windhoek and then the end of this trip in Namibia so I

hope you've really enjoyed it, I have, it's been great fun. I can't say I'm sad to

say goodbye to the gravel road I mean it's always a bit more challenging

driving on them but it's very dusty you have to be careful and wary of

skidding out of control but you know you just gotta take it slow and steady it's

something special about going through the countryside and just on a gravel

road it makes it feel I was gonna say so much more remote but it is a remote but

it makes it feel that little bit more special so say goodbye to the gravel

there we go bye gravel road thank you very much you only provided us with one

puncture and that was right at the end and say hello to the gravel road to the

tar road which will now all take us safe we're just going to go to the junction

at the end there then we're heading off to Windhoek and north

there we go

hand on the tar road back to Windhoek and it's still beautiful, beautiful clear

blue skies a surprisingly nice smooth tar road which I'm really enjoying but

this is it this is the end of my trip I have had a fantastic time I've really

enjoyed every minute of it even the early mornings slightly chilly times

cold times it's been brilliant now got to go back to Windhoek so back on

the main road this is the road that actually runs all the way from South

Africa all the way up and into Windhoek, it's a long long straight road not

a great deal on here to keep you occupied but there we go and ah ah it's

gonna be so difficult to not have to put up a tent and cook my food okay well you

know I don't mind someone else cooking the food but not sleeping outside and

seeing those stars, going back to cities oh well I hope that you have enjoyed this

trip as much as I have because I've had a fantastic time and I hope you've

enjoyed every minute as much as I have but for now let's go back to Windhoek I've got

to hand in this car to the car rental I've got to fix a tire first and then I

leave Namibia oh well let's look for a corner in the

road and then let's go to Windhoek

bidding a fond farewell to our car bags are packed ready to go...ish.. handing over

the car had to pay good morning how you doing good thank you

one car to return.

How was the trip?

very good very good lovely yes

oh and some of the towles are in the back here

hello, hello, I'm here also

on its way one

very dusty bag

you need to clear customs in Jo'burg, in Jo'burg yes, and pick up the bag in Jo'burg too - yes because

you have to pass through customs and then through domestic yeah thank you thank you bye

passport expiry....

I wonder what they do with all this information that they gather here and all these bits of paper they must

get every day I wonder if they actually do anything with them.

expiry date

ok, there we go.

There's me tickets,

bits of paper. Okay.

and to security, going to go through security so we can't record through there.

Back in a while.

Well made it back to the airport, dropped off the rental

car, got through customs and immigration they let me leave, shame really

and now I'm just in the waiting lounge waiting to catch my flight. Nice and

early, it's always good to be early, especially when you've got connections

onward. So it's time to have a coffee find somewhere to have a nice coffee

and chill and relax for a little bit

morning, thank you

And it's farewell Namibia, for this trip there it is, flat hot dry but so beautiful

Well not to worry I'm sure I'll be back, I don't know when, and if you go, you

drop me a line and tell me what you thought of Namibia as for me...

if you need any help during disembarkation please remain in your seat

once all other passengers have disembarked the cabin crew will gladly

assist you we trust that you've enjoyed your flight with us and we look forward

to seeing you again we wish you are proudly South Africans

goodbye, hamba kahle, totsiens

Thanks thank you bye

and as for me apart from I'm gonna pick up my bags now, the

journey doesn't end here. I may have finished my trip to Namibia but I'm not stopped.

just grab these, oh.. there we go

just gotta find my way out

So are you gonna join me on my next trip?

Come on, let's go somewhere exciting

For more infomation >> Namibia road trip final day. A Namibian Travel Vlog by Travel with Simon. - Duration: 10:47.

-------------------------------------------

Sam Smyers - Hidden Lover (feat. Katie Day) - Duration: 3:55.

They say we don't belong

but baby when you hold me tight.

How could this be wrong?

We both know it feels so right.

You can take me by the hand

to Temecula.

No one knows how bad we are.

When it's late tonight

no one else in sight.

Hidden Lover

When we sneak around

my heart beating loud.

Hidden Lover

When our secret's out

and it's not allowed.

Hidden Lover

Am I criminal?

Our love is a smoking gun.

So irresistible

We're not fooling anyone.

You can take me by the hand

to Temecula.

No one knows how bad we are.

When it's late tonight

No one else in sight.

Hidden Lover

When we sneak around

My heart beating loud

Hidden Lover

When our secret's out

And it's not allowed

Hidden Lover

When it's late tonight

No one else in sight

Hidden Lover

When we sneak around

My heart beating loud

Hidden Lover

When our secret's out

And it's not allowed

Hidden Lover

When it's late tonight

No one else in sight

Hidden Lover

When we sneak around

My heart beating loud

Hidden Lover

When our secret's out

and it's not allowed

Hidden Lover

You are my hidden lover

For more infomation >> Sam Smyers - Hidden Lover (feat. Katie Day) - Duration: 3:55.

-------------------------------------------

Cá thế này thì thả lưới kiểu gì cũng có bữa nhậu không say không về - Duration: 13:15.

Thank you for watching the video remember to register your channel offline

For more infomation >> Cá thế này thì thả lưới kiểu gì cũng có bữa nhậu không say không về - Duration: 13:15.

-------------------------------------------

The Definitive Book of Body Language ► Book Summary - Duration: 10:57.

For more infomation >> The Definitive Book of Body Language ► Book Summary - Duration: 10:57.

-------------------------------------------

WITH FIRE & SWORD | Legio XXI Rapax - Duration: 5:04.

For more infomation >> WITH FIRE & SWORD | Legio XXI Rapax - Duration: 5:04.

-------------------------------------------

What's Going on With Interest Rates? - Duration: 5:15.

thank you guys so much for checking out my last episode of market Monday today

is market Monday but it's not a market update and it's definitely not Monday

today we're talking interest rates today is Wednesday October 18th and yesterday

on Tuesday the office of the superintendent of financial institutions

came down with some new regulations also known as their b20 guidelines that are

going to take effect on January 1st of next year. I'm a real estate professional

and interest rates are not my area of expertise they actually are quite boring

now coming from a banking background I do understand what is going on in the

marketplace and I want to give you guys a better idea so I'm going to keep this

video short sweet and simple now there's a lot of discussion revolving around

whether these changes are a good thing or a bad thing

I'm not going to talk about that because it doesn't matter the changes are going

to happen regardless now I do believe that interest rates going up are going

to have an impact on our market especially here in Kelowna in order to

keep this short and simple it's important that you understand the

difference between a conventional mortgage and a non conventional mortgage

what is the difference well that's a great question a conventional mortgage

is a mortgage that requires greater than 20% down the difference here is you're

not required to have insurance on this loan through CMHC on the other side is a

non conventional loan this is typically what you see with first-time homebuyers

they're putting down less than 20% typically five or ten percent now these

loans are actually required to be insured through CMHC and are what are

classified as high ratio loans and the reason for that is the loan-to-value

ratio your loan to value ratio is greater than 80% so the big question and

probably why you are here and watching this video

what has changed well it's quite simple actually back in 2016

OSFI introduced a new "stress test" and what this meant is that any

non-conventional borrowers so any first-time homebuyer or anybody putting down less

than 20% actually qualify at a higher interest rate than

what they were boring at so if you went into your bank you pre-qualified for

2.65% over five years you actually had to qualify at the

five-year Bank of Canada average rate and that was 4.89%

now if you had a conventional mortgage there was no stress test in

place what is changing is that stress test is going to be required for both

non-conventional and conventional mortgages so what exactly does that mean

well if you are planning on buying real estate in the next three to six months

not even three to six months two and a half months the amount that you can

borrow is going to be drastically reduced effective January 1st 2018 it

does not matter whether you have a conventional or non conventional

mortgage this stress test is going to be applied to you so how does this new

stress test apply to you if you are thinking of buying or selling real

estate this new stress test could potentially

impact the amount you borrow let me explain let's say you wait until the new

year before you decide to buy or sell real estate and you walk into your

financial institution to borrow money let's see you can borrow at

3.15% it doesn't matter if you're putting down five percent or 25%

you still have to qualify under the new stress test it doesn't matter if

you have a conventional or unconventional mortgage anymore so how

does the new stress test work exactly well it is going to be the greater of

the Bank of Canada's average five year rate in this case 4.89%

or the amount you can borrow at plus 2% so if you walk into

your financial institution and you can borrow money at 3.15%

you would actually have to qualify at 3.15% plus 2%

so in this case 5.15% and because 5.15%

is greater than 4.89% you are actually

going to have to qualify at the higher interest rate in this case 5.15%

as you can see because of the higher interest rate in which you

are required to qualify add that is going to drastically reduce the amount

you can borrow so my piece of advice if you were planning on buying real estate

in the next 75 days if you are thinking of selling

real estate now is a great time to list your property there is going to be a lot

of demand and a lot of people getting pre-qualified under the old

requirements before January 1st that means there's going to be a lot of

potential buyers looking to buy your property so if you are thinking of

selling please contact me as well I would love to help you out and list your

property as always if you guys have any questions about any of the topics I

covered today please leave a comment down below and I will answer as soon as

possible if you like this video please smash that like button and I will see

you in the next market Monday thank you so much Kelowna

Không có nhận xét nào:

Đăng nhận xét