Auto news on Youtube Aug 30 2018

I have a funny story. Funny okay. I was in the grocery store in the aisle where

they have devices like pots and pans and pressure cookers and things like that

and I there's there these there are these two women that I'm standing next

to and the one says oh I really want that pressure cooker. And the other one

says oh I want it too! Like and they talked about how great it would be. And

then the first one says oh I can't have it. The second one says why not? And the

first one says oh that would be too selfish. Selfish she sounds like my

mother. Selfish. Probably was your mother. Selfish

interesting so this interesting concept selfish. So this is this it's actually

this interesting fits into the dynamics of the world of supposed to. So the world

functions that Third D world functions in structures and concepts -right -and then we

buy into the concept. And so selfish is one of those concepts because obviously

being selfish is a bad thing. But is it really a bad thing so- Well selfish if

you define selfish as being greedy and manipulative and take advantage of other

people and and step on others for you to get more -right that's selfish. Right so if you

said to a hundred people on the street in the store do you think selfish is

okay? They would say no. A hundred people would say no. Yeah. About but see there's really two ends to

that stick selfish. There's the one that nobody likes when you talk about

stepping on others to get ahead but there's a whole other side of selfish

that really is absolutely essential. It's that side of selfish that says I can

have for myself. And in that having you're not stepping on anybody you're

not taking advantage everybody in fact you by not being selfish you are

disempowering yourself and you're disempowering your potential. You used to

tell this story maybe I'll get it uh let's see if I

get it right used to say okay you take off your clothes your jacket you give it

to this person the socks this shirt the pants everything and then there you are

naked on the street with one sock and somebody comes by and likes the

sock and you give the sock to this person. So here you are on the street naked

completely -with nothing -with nothing. And nothing to give -ya -anybody else. See

that's the great healer I have to it's better to give than to receive. See

that's another one those adages about the world this is how the world supposed

to be and everybody falls into supposed to. Right into this regimen well is that

really how it's supposed to be? So what if you back out a 3D and you start

realizing that if I was giving to myself if I was excited about my creation if I

enjoyed my development of possibilities. And let's even go and I make money at it.

I have a business that's working I am now giving to myself. See now you'll have

something to give away you're no longer naked on the street with nothing. And

with nothing you have no potential to really really grow yourself easily into

a state of well-being. Well it's like healers who have the belief I need to

give all of myself to all of my clients all of the time. Giving giving giving. And

because I'm a healer and what happens at the end of the day they're exhausted and

they get sick and so they can't heal anymore. Yeah so that that space of

managing your space giving to yourself having for yourself. See it's like us

with Mastering Alchemy we give a lot of money away in donations we it's that

whole concept we have been successful and now we can give back you know to to

women to hunger to those type of things. Where people can that have nothing you

can have but that process and it doesn't it doesn't come it doesn't take away

from us -well and the only way -in having. The only reason why not the

only reason a reason why Mastering Alchemy has been successful is because

you and I have been conscious of taking care of ourselves. Yes.

You know our exercise program our food our vitamins our health is number one.

Yeah so you give to yourself whether it's money its health its havingness in

terms of material things. But the real piece is it's it's an understanding that

that's a stick in a way and on one end of it

it is depleting on the other end of it it is nourishing and the nourishment and

this is where I think the world gets out of well-being out of balance right now

with the 1% that 1% keeps taking. So having is not taking. There's a real

distinction between taking -right -that's the side over here I'm going to use you to

get ahead. Right. But this end of the havingness is the one that you're seeing people get

into a relatively comfortable place that they define is comfortable and then give

it away. And it's it's really powerful in that space of having and giving. But you

have to give to yourself first before you have anything -but it starts with you - to give

to other people. Starts with you. Yeah. Yeah and in this world that we are

stepping into some of the challenge that we're going to be facing before we step

into that state of well-being is that whole concept of money as maybe this is

another conversation but this concept of money doesn't it creates it creates

individuality with no responsibilities in many cases. Let's save that for another full conversation. Ok so having though -yes

that total space of -and giving to your and being selfish. Being selfish giving to yourself. Yeah. Whether it's

take time for yourself to read a book whether it's take time to go for a walk

take time for a nice meal. Give to yourself a nice meal it's that space of

nurturing yourself even when you don't have a lot.

And step into a space of nurturing yourself. You know it's it's like adding

an extra something you like to the meal that you have and then really

appreciating it it's that appreciating and having -yeah -that basically keeps

everything in motion. When it gets stopped sterile and I can't have it's

just it's just like money if you if you if you hoard it or you can't have it it

stops the motion. Right the flow. And everything begins to break. So having for yourself really a

big deal. And be selfish. Being selfish selfish from the standpoint of exciting

I'm giving to myself it's not taking from others. That's good. Yeah. Did you

explain that to those two ladies? No no I just walked down the other aisle -I see -I didn't want to get into their stuff. I see. Do you want to pressure cooker? Yeah maybe

next time. Have a nice day.

For more infomation >> Morning Conversations with Jim Self and Roxane Burnett - Be Selfish - Duration: 7:48.

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Jaguar Land Rover Self-Driving Cars comes with Virtual Eyes - Duration: 2:19.

there is something very unnerving about

a vehicle with eyes on it

Jaguar Land Rovers self-driving pods

might become your next great nightmare

fuel but the company insists there's a

good reason why this thing exists Jaguar

Land Rover has slapped some weird quasi

googly eyes on a self-driving pod in

order to trust how consumers will trust

ABS on the road as a pedestrian waits to

cross a fake Road the pod rolls up and

its eyes focus on the pedestrian much in

the way that a passing driver might make

eye contact with the pedestrian

acknowledging that they have been seen

researchers then gauge the trust level

in the pedestrian that the pod will let

the human cross without issue that trust

is calculated twice once before the eye

contact and once after it's all part of

a larger study men to investigate the

interactions between self-driving

vehicles and pedestrians and whether or

not replicating human behavior in the

vehicles will help foster that trust

Jaguar Land Rover says that based on

prior studies nearly two-thirds of

pedestrians and cyclists said they would

feel less safe sharing the road with a

self-driving vehicle more recent polls

found that distrust spiked shortly after

ubirr made the news when one of its

self-driving development vehicles hit

and killed a pedestrian in Arizona it's

second nature to glance at the driver of

the approaching vehicle before stepping

into the road said Pete Bennett mobility

research manager at Jaguar Land Rover in

a statement understanding how this

translates in tomorrow's more automated

world is important let's just hope the

final result doesn't have those creepy

peepers

For more infomation >> Jaguar Land Rover Self-Driving Cars comes with Virtual Eyes - Duration: 2:19.

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it gets better (laughing/cringing at my old self) 😅 - Duration: 6:19.

Hey guys!

I just wanted to pop in and share a little reminder,

a little lesson that no matter where you are in your journey, it gets better.

Specifically, you get better.

So I just had an audition – a Skype audition, since I'm at home –

for this TV show, concept-thing that I don't know much about.

Who knows if I'm gonna get it.

That's just not in my control.

But basically, the casting director asked me to compile clips from my history,

sharing my journey and also my examples of my media experience: hosting, acting, all of that.

And so I just spent the past hour looking through all my old video clips, trying to find whatever I can find.

And I watched all these old videos of me.

Like, I got to speak on Chinese TV and I was listening –

I was like, "Oh my god, my Chinese was so bad."

My Chinese is still not that great now, but it is a little better now.

And my speaking was so bad.

Hosting, I was camera-shy.

I couldn't make eye contact with the camera.

- Tell me about that mixtape that you recently released.

And happy belated birthday!

- Thank you!

So the mixtape is called Honestly: The Birthday Mixtape,

and I released it a couple weeks ago on my birthday, October 21.

And the idea of the mixtape, I got it – I had this idea early on in the spring, early summer.

I wrote this poem called Honestly.

And it's just funny because it just shows that I really have improved

and I've grown since doing this for so many years.

I don't know if you guys realize, but when I started Lavendaire – which was four years ago –

even if you watch my first Lavendaire video, it was not that good.

But you may not know that I've had years of experience leading up to that first video.

I started making YouTube videos in 2007, singing.

I was performing, doing that kind of stuff.

And I started hosting, looking-to-the-camera type of videos in 2012, I would say.

It's really motivating.

It's funny and motivating to look back at these old videos of me trying to make it work.

I think back then, I didn't have the skills.

I had the interest and so I just went out there and did it.

I didn't second guess myself even though I know I wasn't qualified.

I just raised my hand like, "I'll do it! Let me do it.

Let me make this video, let me interview this person, let me shoot this for you."

I just volunteered myself and I just did it.

And this is the kind of thing that you just do by learning and practicing,

and you get better through that action over time.

So I just want to remind you guys that everybody's journey in the beginning looks like shit.

It just looks bad, you look stupid.

But hopefully if you keep at it, then you'll get better

and you'll be able to look back and laugh at yourself, the way that I kind of am for me.

But I also feel like for other areas, I look back and I'm like,

"Whoa, that was really good. I'm proud of myself for doing that."

So yeah, I guess just looking down memory lane today, feeling proud of myself.

I realize that I've actually been doing for a few years now.

I think back then, when I just graduated college

and I was going to these auditions and these hosting roles, I didn't have much of a reel.

I just started one or two years – you don't have that much work, that many video clips to show.

Fast forward to now, I'm like 6 or 7 years doing this and I have Lavendaire,

I've done speaking engagements at Stanford, LinkedIn, I spoke at TEDx.

It sounds cool to say that and some of the things I forgot to mention in my audition.

I was like, "Dang it, I should've mentioned this and that."

But anyway, I didn't realize until looking at it, how many things that I've experienced and gone through.

And it's really cool to say, "Hey look, I have this body of work now."

And I know that has you get older, there's going to be even more things you can add to your body of work.

So it just gets better and better.

Your resume, your portfolio just gets better and better.

There's this kind of struggle that, in media, they want people to be young, they want fresh faces.

And yet, when I was young, I was like 21-22 really trying but not really getting anywhere.

Now that I'm older – I'm 27 – I feel like, hopefully I still look young enough to do things like this.

But I have, at least, the experience and the body of work.

And I didn't wait for someone else to cast me.

I didn't wait for these other external factors.

What I did was I just created the YouTube channels, made my videos.

Through doing this very often, I'm not afraid of the camera anymore.

I'm very comfortable talking to the camera in front of people.

That took practice.

That took years, 10 or more years, my whole life of doing this.

The first time I ever got up on stage, the first time I gave a presentation,

the first time I made a video, I was not able to do this.

I was not able to do it.

And it's just cool to look back, is what I'm saying.

And I just wanted to remind you that, no matter what you're trying to do, it gets better.

You get better as long as you keep putting in the action.

Just keep trying, that's it.

I think that's all I want to say in this little vlog today.

Hope you enjoyed it, and I'll see you guys in the next one.

Bye!

For more infomation >> it gets better (laughing/cringing at my old self) 😅 - Duration: 6:19.

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MY DAILY SELF-CARE HABITS - Duration: 12:11.

For more infomation >> MY DAILY SELF-CARE HABITS - Duration: 12:11.

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Uber Driver Claims Self-Defense In Fatal Shooting - Duration: 1:37.

For more infomation >> Uber Driver Claims Self-Defense In Fatal Shooting - Duration: 1:37.

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5 Things Missing in MMA for Self Defense • Martial Arts Journey - Duration: 5:59.

5 Things Missing In MMA for Self Defense

MMA is probably one of the greatest and toughest sports of this day.

While many sports have to encompass one particular set of skills, MMA fighters have to encompass

a wide range of different skills, such as striking, kicking and grappling.

For this wide spectrum of skills, and intensity of the fights, MMA fighters are often considered

as some of the toughest competitors of all sports.

Yet while they are amazing at their set of skills, and the ability to fight in a consensual

duel, sometimes MMA practitioner believe, that it covers the whole range of skills necessary

for a self defense situation.

Personally, I think that MMA fighters will have a huge advantage in self defense, over

an untrained attacker, yet it is still highly important to recognize both the strengths

and shortcomings of any practice.

For this reason, in this Martial Arts Journey video we will take a look at 5 things missing

in MMA for self defense.

Number 1: Dealing with Weapons

While an MMA fighter is very adept in dealing against a bare handed opponent, the use of

weapons - both striking weapons and also guns, changes the situation dramatically.

While an MMA fight will normally never lead to the use of weapons, thus most training

do not include teaching the skills to deal with them, a self defense situation has no

limitations in this realm.

Dealing with a weapon may include additional skills such as keeping extra distance and

using objects in between, finding an improvised weapon, blocking the hand which holds the

weapon and more.

These are not just trained physical skills, but also specific knowledge which needs to

be addressed, and does not come as general knowledge.

While dealing with weapons is not taught in most MMA gyms, if an MMA fighter ever gets

into a situation where he has to deal with one, without special preparation, it may lead

to disaster.

Number 2: Dealing with Multiple Attackers

Because of the rules, an MMA fight always happens between two fighters.

This, of course, is not the case in many self defense situations.

Fighting against more than one person, same way as including weapons, adds a very whole

new dimension to the situation.

If a fighter is used to train, and fight with just one person, he may spend too much time

focusing on one attacker, while others are attacking from different directions, which

makes it almost impossible to defend from.

Also, going to the ground is not an option in such a situation, and if not considered

before, may very well happen as a habit of an experienced MMA fighter.

Additional skills are also required such as using objects, or even an attacker, to prevent

others from attacking at the same time, and these skills need to be trained upon themselves.

If the situation of multiple attackers is unaddressed and specifically untrained, it

may cause very much danger even to the best fighter.

Number 3: Dealing with an ambush

While MMA is the king of dealing with a consensual fight, most self defense situations will not

include a consent between both participants, and will start with an ambush, which adds

a different dimension.

While the mastered reaction time of an MMA fighter may definitely help in such a situation,

it is usually trained against specific attacks, from a prepared fighting stance, against a

visible and known opponent.

Having a random attack coming from any direction, when the defending person is in no means in

a fighting stance, may require a more primal response which at best circumstances, needs

to be also given time to be trained.

Such a situation may also require additional skills such as using hands as a fence, if

the potential attacker is visible, maintaining distance from potential danger, and observative

skills which lead to the next point.

Number 3: Prevention skills

Many people confuse a consensual fight with self defense.

The goal of a consensual fight is most often to prove your superiority against an opponent,

or in other words to win.

While it's still different from an MMA fight, because of the lack of rules and high unpredictability,

still this relates quite strongly to an MMA fight, and for this reason the skills of an

MMA fighters can translate to this situation quite well.

Nevertheless, taking it just for that may be dangerous.

Normally a consensual fight is not considered a self defense situation.

A true self defense situation normally consists of a willing attacker or attackers who are

threatening a non-willing individual, and often attack without any notice.

In a self defense situation, the goal is not to win, but to survive and that can be done

in various ways, and the best skill of them all here is: prevention skills.

Becoming used to observe the surroundings, choosing a safer route, maintaining distance,

using verbal de-escalation and the most simple - running away, are crucial skills to decreasing

the need to defend physically.

Actually, that is what mostly self-defense is about.

If not addressed by an MMA fighter, the mentality of the need to beat up and win against a possible

threat - instead of avoiding and potentially running away, may come in, and lead to disaster.

Also, the lack of developed observation skills may also increase the possibility of danger.

Thus these skills and knowledge must be addressed to enhance the individual's ability to stay

safe, and it leads to the last point.

Number 5: Addressing the gap between sports and self defense

While the ability of an MMA fighter to defend, may be much higher than of an untrained person,

some MMA practitioners strongly believe that MMA is complete upon itself as a self defense

tool.

The gap for an MMA fighter to bridge in order to translate their skills, and become much

more efficient in self defense, may be quite narrow, yet as already discussed, it needs

to be addressed by the gym, coach or the practitioner itself, in order for that gap to close.

If it is not addressed, this contrary false belief, may lead to overconfidence, the wrong

choice in a specific situation and again: disastrous outcome.

Considering this short bit of information, it becomes clear, that this is not a big problem

to solve, yet it does need addressing.

And as long as we stay true to both our superiorities and shortcomings, and we do not try to fit

one size to all feet, we should be fine and safe with our training, both as fighters,

and as people who simply stay safe.

What do you think about these five points?

Did you also experience some MMA practitioners confusing self defense with sport?

Let me know in the comments.

If you liked the video and you want to share it's message, share it on your social media

and with your friends.

For more videos like this one, subscribe.

This was Rokas and I wish you to own your journey.

For more infomation >> 5 Things Missing in MMA for Self Defense • Martial Arts Journey - Duration: 5:59.

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Uber driver fatally shot man in self-defense: cops - Daily News - Duration: 3:07.

 WINTER HAVEN, Fla. — An Uber driver in Florida claimed self-defense after he fatally shot a man who trailed his car and tried run him off the road, authorities said Wednesday

 The Polk County Sheriff's Office is investigating the death early Tuesday of 34-year-old Jason Boek of Winter Haven, Florida

 "This is a classic stand your ground case," said Sheriff Grady Judd, speaking at a news conference

 The sheriff's office said an enraged Boek, believing his estranged girlfriend was the Uber's passenger, aggressively trailed the car of 38-year-old driver Robert Westlake

 A dash camera video posted to Youtube by the sheriff shows Boek driving erratically and attempting to run Westlake off a central Florida road

 Once both vehicles were stopped, Boek got out of a large pickup truck and threatened to shoot the driver, according to the sheriff

Unknown to Boek, the Uber driver was a concealed weapon permit holder and a recent police academy graduate

 The sheriff said Westlake fired one shot, striking Boek. The Uber driver then called authorities and attempted to revive Boek

 Authorities said Westlake has cooperated with police. Westlake did not know Boek, nor did the passenger

According to authorities, the passenger who had been drinking was escorted into the Uber by Boek's on-and-off-again girlfriend

 Boek apparently mistakenly believed his estranged girlfriend was in the vehicle, Judd said

Boek threatened to assault both the passenger and the driver, according to text messages released by police

 Boek had an extensive criminal history, according to a news release issued by the Polk County Sheriff's Office

He was on probation until June of 2021 for a 2016 felony battery charge. Police found a glass pipe containing methamphetamine residue inside the truck driven by Boek before the shooting

 "At the end of the day, the message is clear," said Judd. "Don't mess with the Uber driver

"

For more infomation >> Uber driver fatally shot man in self-defense: cops - Daily News - Duration: 3:07.

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Do NOT Reinforce Behavior This Way│BCBA Self-Help Group - Duration: 4:42.

That's one of the biggest stigmas I

think we have to overcome in the science

of behavior analysis is the disingenuous

reinforcement I like that phrase I'm

sure we're all familiar with it to catch

them being good right so maybe you're

not giving specific verbal praise all

the time maybe only for certain things

right but not the great job right in

your name screw you dude I'm done right

but how often are we not providing any

verbal praise which is probably pretty

close to what's occurring in every other

aspect of their life right I know

students that I've worked with I have

given them specific pray and she's like

dude thanks for being quiet man you're

doing an awesome job right I'm also

discreet about it okay it makes me think

to shift slightly the gears which I'm

always doing is like that there's more

severely affected autism population you

ever hear anyone say things like yeah

when I praise him though he goes off it

sets him off and and you ever see it

like you're like good job no see like

the kid was doing great you like good

job and then they have a problem after

you said it my inference is that

historically what's occurred this is

just my I speculate that often when

people started formally trying to praise

that learner they were doing shit all I

ask backwards and they were pairing it

inappropriately it's almost trying to

implement ABA ineffectively and they

somehow intermittently reinforced the

problem behavior so all of a sudden when

someone artificially says good job the

kids like it it brings the kid back to a

problematic incident that they had

earlier or with someone that didn't use

reinforcement the right way that's just

my inference my speculation yeah yeah he

would say something like that no good

job yeah like if it were if it brings

the learner back to a moment where

someone ineffectively was a enforcement

they'd get upset by don't say that idle

learner I was working with and we'd tell

him good job it was in a beedi classroom

they would you know become agitated

right they didn't like it

we had an empty meeting with that

learner and their father and I overheard

the father say yeah great job

knucklehead right and so I figured let's

try avoiding that good job nice nice

work cuz it wasn't being interpreted I

guess in the way that we meant it is the

way it was shaped up at home right

that's one of the biggest stigmas I

think we have to overcome in the science

of behavior analysis is the disingenuous

reinforcement I don't know how to

operational EDA fine genuine but you're

genuine probably has a lot to do with

your behavioral history with the person

so you can't just be an asshole to

somebody 24/7 right don't say good job

and that's gonna mean something they

think it's gonna be pashing but a few

things to remember with this is to be

honest be genuine right and and how do

you operationally define being genuine

it is difficult right taking an interest

in something that somebody does or likes

themselves or the person as an

individual building rapport pairing

yourself is huge but don't assume that

your attention has any value right out

of the gate it takes so much time for

your attention to gain value with any of

these students and I think that's where

you become genuine right when you

actually form that relationship and they

know think of any time that you've ever

been lied to right

or someone's deceived you how long did

it take for you to trust that person if

you ever did again keep that in your

mind and now put yourself in these

children students shoes right and now if

you knew anyone else relating to that

person that lied to your deceived you

how likely were you to trust them so if

that person that deceives you on a

constant basis is someone that you're

supposed to be able to trust and they're

an adult to generalize it how likely are

you to be trusted

so it's gonna take a long time and I

know we've touched on that but I can't

stress it enough a long long time to

really build that relationship and that

relationship is what becomes genuine

that weeds to you being genuine with

that learner that's that's what I've

found

For more infomation >> Do NOT Reinforce Behavior This Way│BCBA Self-Help Group - Duration: 4:42.

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[SUB ESP] [Pops in Seoul] W24 Self Introduction Parte 1 - Duration: 7:09.

For more infomation >> [SUB ESP] [Pops in Seoul] W24 Self Introduction Parte 1 - Duration: 7:09.

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Class 2 National Insurance: Self Assessment - Duration: 2:35.

This is one of a series of videos about online Self Assessment.

Class 2 National Insurance is paid through your Self Assessment tax return by 31 January

following the end of the tax year.

On your Self Assessment tax return you've said that you're self-employed

or in a partnership.

This is where your Class 2 National Insurance contributions are included.

The return will show the amount of Class 2 you owe for the year.

This is based on the number of weeks that you were self-employed during the tax year.

For example, if you were self-employed all year, the Class 2 weekly rate of £2.85 would be

multiplied by the 52 weeks you were self-employed, giving total Class 2 National Insurance contributions

for the year of £148.20.

If the figure is wrong it may be because HMRC doesn't know that you started or ended self-employment

during the year.

If this is the case, please update your self-employment details here.

Once you've done this you can recalculate the Class 2 amount.

If your profits were less than £6,025 you won't have to pay Class 2.

Although you don't need to pay Class 2 there will still be an amount owed shown here.

If you want to make voluntary Class 2 payments select 'Yes' here.

Otherwise, select 'No'.

In some circumstances you can choose to pay the tax you owe through your PAYE tax code,

but you can't pay Class 2 National Insurance this way and any due will have to be paid

by 31 January 2019.

The calculation summary screen shows the total tax and National Insurance contributions due

and the payments on account.

The Class 2 National Insurance contributions will be included in the total amount due for

2017-18.

They're not included in the calculation of payments on account.

You can view and print out the full calculation here.

This gives a breakdown of the tax, Class 4 National Insurance

and your Class 2 National Insurance contributions.

You'll find more help and support on GOV.UK.

Webinars and other videos about Self Assessment are available from HMRC.

Thanks for watching.

For more infomation >> Class 2 National Insurance: Self Assessment - Duration: 2:35.

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Can You See The Real Me Workshop - finding your true self - Duration: 2:07.

Hi, I'm Andrew Horder from Joyful Genius Coaching

and this is Kate Nicholson from House of Colour

there are two critical things about presenting

your best self to the world

how you look on the outside

and how you feel on the inside

I spend my working life helping people

to really get in touch with their inner genius

and by that I mean that work that

you absolutely love to do

you're brilliant at and that people will pay you for

What I find is that people tend to know what their genius

is but they don't necessarily know it well enough to be

able to articulate it so that other

people could easily understand what it is

and engage with it and then what that means

is that they end up adopting some

clever marketing slogan or something

like that that isn't really them

and that can put people off

and once you understand that central part of who you are

and how you can really make most of

what you do then we can put another layer on it

and that's the outer self

and understanding how you come across

to your potential clients, customers

to deliver your product or service is key

to helping people engage with that in a

very positive way and understanding how you portray

you portray your personality through the

way that we look and the way that you dress

that's really important part of putting

your brand image together because your

own personality as well as your brand's personality

have to come through in that image

when you can align those two it's a very

very powerful package indeed

And that's why we decided to put together a workshop

that brings both of those elements together

We've called it "Can You See The Real Me"

and we would love to see you on it

For more infomation >> Can You See The Real Me Workshop - finding your true self - Duration: 2:07.

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Your self-employed tax return - Duration: 3:12.

For more infomation >> Your self-employed tax return - Duration: 3:12.

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Expenses if you're self-employed - Duration: 3:12.

For more infomation >> Expenses if you're self-employed - Duration: 3:12.

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Self Employed Buyers - Duration: 1:30.

(soft inspirational music)

- So, let's talk a little bit about

getting a mortgage in this area.

From the minimum down payment to what kind of

specialty products people can get here in Calgary.

- So, customers can buy with as little as 5% down.

And there's even flex down products still available

if they went with zero down, if they're looking for that.

If they had strong credit

and have been here for a little while.

But for specialty products,

a lot of customers we find in areas a lot similar to this,

including this area,

is the areas that we specialize at at Optimum Mortgage,

which are those customers who are self-employed.

So right now the numbers are one in 10 Calgarians

are self-employed.

And so that's really what our focus has been,

is helping those self-employed customers obtain financing.

- So what would you say is the most important thing

for someone that's self-employed,

that they maybe don't qualify for today

but we can work on doing a few little things

that will help them out?

What would you say is the number one thing

they could start doing right away?

- I would say the number one thing is saving.

Down payment's the key.

For us, we are looking for closer to 20%,

even 25% down,

the value of the home.

So we need them to come up with a little bit more

than the 5% down to be able to have some options.

(inspirational music)

For more infomation >> Self Employed Buyers - Duration: 1:30.

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Florida Uber driver claims self-defense in fatal shooting - Duration: 1:27.

For more infomation >> Florida Uber driver claims self-defense in fatal shooting - Duration: 1:27.

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Registering for Self Assessment - Duration: 3:17.

For more infomation >> Registering for Self Assessment - Duration: 3:17.

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Bank statements for Self Employed - Duration: 1:40.

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- Now, I hear that bank statements

and having deposits coming in to your company

or if you're a sole proprietor is really an important thing.

Can you touch a little bit on that?

What you guys would be looking at

for someone that's self-employed,

maybe claiming smaller income tax?

Nice grossing company, but their income taxes

are showing a little bit lower,

not really the picture of what's happening

on the tax returns?

- So at Optimum Mortgage, we understand

that not all customers show

their full income on their tax returns.

At least not on the bottom line number.

Because there's expenses that go with that.

In some cases, it's...

maximization or minimization strategy.

In other cases, it's just expenses

that they have to go with their business.

Some are necessary and some aren't necessary.

So what we do is we look at three to six months

worth of business bank statements

or personal banks statements to really get a good idea

on what our customers can afford.

Because, again, tax returns aren't usually

telling us the full story.

We partner with the bank statements

and the story that you guys tell us,

that really helps us understand

what a customer qualifies for.

- Yeah, I think that really helps out a lot of people.

Like you say, one out of ten morgages

are coming through entrepreneurial people

here in Alberta and Calgary, especially.

There's so many great places, you can be a carpenter,

you can be self-employed as many things.

I think you guys are doing a great job with those products

and that they're available to Albertans.

(upbeat music)