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"Finally a Lesson"
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sync & correction by
f1nc0 ~ addic7ed.com ~
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Titans, it has come
to my attention
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that you have not been using
the new suggestion box.
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00:00:27,561 --> 00:00:29,461
- Yeah, we are.
- All the time.
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- "Robin stinks" is not a suggestion.
- But it's true.
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That doesn't make
it a suggestion!
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"Consider a daily bath," or, "Wash
your clothes more regularly,"
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or, "Mouthwash, use it."
These are suggestions.
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00:00:40,741 --> 00:00:44,476
Ah, then those! Those are
the suggestions from us.
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The whole reason for
the suggestion box
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is to have a thoughtful way to address
the flaws in the Teen Titans.
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Fortunately, someone has put a
helpful suggestion in here.
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- Hmm, that looks like your handwriting.
- Well, it's not.
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Anonymous has suggested that
the leader of the Titans,
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Robin, that would be me, should
teach more life lessons.
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00:01:03,163 --> 00:01:07,599
Life lessons? That sounds so
inspirational and life-affirming.
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00:01:07,601 --> 00:01:10,035
Ooh, may I suggest the
teaching of the lesson
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regarding the value
of friendship?
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Sorry, dudes, I don't
have time for lessons.
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I gots to hang out with some
cool rollerblading dudes.
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You don't wanna learn
about friendship with us?
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I already know about friendship.
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Be friends with cool dudes.
Later, lame-os.
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Uh, guys? Isn't this
destroying property?
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I don't wanna get in trouble.
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Man, you a nerd if you don't
wanna do the graffiti on walls.
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Come on, other cool rollerblading dudes.
Let's blade out.
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- Aww.
- You look like you could use the friend.
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You guys aren't mad at me for
ditching you to hang out
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with the cool
rollerblading dudes?
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Nah, we know how to
rollerblade with the punches.
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I guess your real friends are the
ones who always have your back.
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Always.
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That was the most boring and
obvious scenario in the world.
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00:02:05,259 --> 00:02:08,193
But at least Beast Boy
learned the good lesson.
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I'm going to teach
you a real lesson.
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One that will benefit you for
years and years to come.
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- Is it the importance of trust?
- That cheating is bad?
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- That it's okay to be different?
- To not hide in
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the abandoned refrigerator
because you may suffocate?
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Those are all garbage lessons!
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Except for the refrigerator one.
That's good to know.
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00:02:28,248 --> 00:02:31,916
But those other lessons are all
super obvious facts everybody's
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already learned. The lesson
I'm going to teach you is
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how to buy rental property
as a long term investment.
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Rental property?
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00:02:40,060 --> 00:02:42,427
You wanna talk to us about
buying rental property?
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I don't even know
what that means.
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Rental property is a place that you
buy that other people live in.
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Oh... I still don't understand.
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Actually, that sounds
super boring, bro.
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Well, it is, but no one else is
teaching this valuable information.
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Rental property is one of the
best ways to build equity.
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- Please, what is the equity?
- Oh, you wanna jump right in. Great!
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Equity is the amount of a
property you truly own.
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It's the difference
between your loan balance
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and your property's
market value.
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If you sold your property
and paid off the bank,
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the value of your equity is
what you'd walk away with.
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When you build equity,
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you increase the net
value of your asset.
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One way to do this is by
paying off your mortgage...
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Whoa, whoa, whoa!
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Beastie's right. This
sounds super boring.
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Yeah, you can't make
me build equity!
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Those words make me feel weird.
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00:03:31,478 --> 00:03:35,614
If you will excuse me, I
must rest my brain now.
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00:03:36,782 --> 00:03:38,149
Huh. Okay.
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I thought you guys would
like to make a lot of money.
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- Money?
- Why didn't you just say that?
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I did. Equity is just
another word for money.
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Ooh!
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It is also another
word for the horsies.
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Just tell us hows to
make that money, bro.
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First things first.
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We have to find the right
rental property to buy,
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and I've had my eye
on just the place.
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- Ooh, the place is the glorious!
- It's even got a doorman.
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What up, doorman.
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Guys, check out these potted plants!
So lush.
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- We'll take it.
- Oh, oh, no.
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That's not the property
we're looking at. This is.
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Ooh, that place looks... rough.
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And isn't this the place
where bad guys live?
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- It don't even have a doorman.
- Sure, it does.
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Howdy.
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Why would we buy the
rundown building?
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Because where other buyers
see a rundown building
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with leaky pipes,
bugs and Sticky Joe,
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I see a chance to build equity.
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Oh! He said that
money word again!
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- I wish to build the equestrian.
- Great!
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Let's put in a lowball offer
and see if they take it.
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Hello. Uh-huh. Okay.
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00:04:57,197 --> 00:04:58,496
Yes. Right.
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Good news! Our offer
was accepted.
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00:05:03,570 --> 00:05:05,937
We bought a whole building, yo!
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00:05:05,939 --> 00:05:08,840
Not yet. We still need
to find financing.
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00:05:08,842 --> 00:05:12,877
Financing? Stop using words
that don't make any sense!
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Financing is how we're gonna
pay for the property.
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And, pray, tell, how
much is the building?
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$500,000.
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Are you crazy?!
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That is more money than
anyone's ever had!
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Relax.
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The rents from the building
will cover most of the cost.
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We just need 20% down, so...
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$100,000.
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Are you crazy?!
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That is more money than
anyone's ever had!
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Yes, saving that kind of money
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will require hard
work and effort.
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Or, we can do what
everyone else does.
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Ask someone who's already put
in the hard work and effort.
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Hello, Batman?
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Uh, I'm going to need some money
to build a crime fighting lab.
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20% down!
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Yeah, 20%. Yeah, 20%.
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Put it down, put it
down, put it down!
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- Let it fly!
- Do not let your down payment fly!
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Robin, there is something
I do not understand.
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How do we purchase the property
with only 20% of the price?
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The rest will come
from a bank loan.
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00:06:12,139 --> 00:06:14,706
Aww! I thought the
boring part was over!
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It's all boring, but
fun at the same time.
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But mostly boring.
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00:06:18,879 --> 00:06:21,279
Now, let's get into the
nitty-gritty of the loan process.
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00:06:21,281 --> 00:06:24,416
The first thing we're going to have
to consider is our credit score.
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00:06:24,418 --> 00:06:27,485
A credit score is measure
of one's credit worthiness.
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Blah, blah, blah, blah, blah.
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Blah, blah, blah, blah.
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Blah, blah, blah, blah, blah.
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Those words be making
our heads hurt, yo.
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00:06:37,898 --> 00:06:39,764
I never said this would be easy.
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00:06:39,766 --> 00:06:41,900
I'm trying to help you
make a great investment.
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00:06:41,902 --> 00:06:44,869
Oh, this important info
like a hammer to the skull!
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I know something that
will hurt even more
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00:06:46,706 --> 00:06:48,440
than this important information.
140
00:06:52,512 --> 00:06:55,313
The boring info
still hurts more.
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00:06:57,217 --> 00:06:59,184
Ow! Ow, that hurts!
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00:06:59,186 --> 00:07:01,853
But not as much as learning
about credit scores.
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00:07:04,723 --> 00:07:06,558
Aw!
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Yeah, that hurt more
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00:07:12,265 --> 00:07:15,133
than having to think about
securing the right lender.
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00:07:15,135 --> 00:07:18,536
Now I would finally rather
listen to you, Robin.
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00:07:18,538 --> 00:07:21,539
Excellent. I know this is a lot
of information to take in,
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00:07:21,541 --> 00:07:23,641
so let's take a break
and do something fun.
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00:07:36,055 --> 00:07:39,357
You said we would be doing
the fun activities.
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00:07:39,359 --> 00:07:41,159
Filling out paperwork is fun.
151
00:07:41,161 --> 00:07:42,794
It's like drawing with words
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on a specific line with specific
information. Whoo! Hey.
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00:07:47,723 --> 00:07:50,969
Doesn't my good faith estimate
look like a dinosaur? Roar!
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Roar!
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00:07:52,439 --> 00:07:55,807
Ugh, I'm starting to worry
this is going nowheres.
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00:07:55,809 --> 00:07:57,642
Yeah, this had better lead
to us fighting someone
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00:07:57,644 --> 00:07:59,077
or something interesting.
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00:07:59,079 --> 00:08:01,613
Sadly, no. Today is just
important information.
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00:08:01,615 --> 00:08:05,551
Don't worry. I promise
you this will all lead
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00:08:05,552 --> 00:08:09,487
to a very satisfying end.
Very satisfying.
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00:08:09,489 --> 00:08:11,810
Congratulations, Titans!
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We are now the owners
of a rental property!
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00:08:15,295 --> 00:08:18,930
Soon, this place will be
making us some good money.
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Don't you mean "some
good equity"?
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00:08:24,804 --> 00:08:29,741
- Uh-oh, Titans! It's Brother Blood.
- What is his evil scheme?
166
00:08:29,743 --> 00:08:32,877
He has demanded we
fix his toilet.
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00:08:32,879 --> 00:08:36,514
- Tell him to fix it himself!
- I can't. He lives here.
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00:08:36,516 --> 00:08:39,617
So, as landlords, the broken
toilet is our responsibility.
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00:08:39,619 --> 00:08:42,887
- That is so gross, bro.
- And if we refuse?
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00:08:42,889 --> 00:08:45,557
Then he can withhold
his rent money.
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And we will lose equity.
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00:08:49,229 --> 00:08:51,529
This, we cannot allow!
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00:08:51,531 --> 00:08:55,914
Titans, go... maintain the
quality of this building!
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00:09:14,921 --> 00:09:17,221
All this hard work is
making me tired, yo.
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This is what we
call sweat equity.
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00:09:19,659 --> 00:09:21,593
Ew, I don't want sweaty money.
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00:09:21,595 --> 00:09:24,128
The damp currency.
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00:09:24,130 --> 00:09:27,165
Who cares if the cash is wet?
We're getting rich!
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00:09:27,167 --> 00:09:30,602
About that, I've just made
a terrible discovery.
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00:09:30,604 --> 00:09:33,104
The building is rent controlled.
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00:09:34,874 --> 00:09:36,341
What does that mean?
182
00:09:36,343 --> 00:09:38,042
It means the tenants in
this building are paying
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00:09:38,044 --> 00:09:40,545
below market value for
these apartments.
184
00:09:42,215 --> 00:09:44,682
Then let's evict
these scoundrels.
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00:09:44,684 --> 00:09:48,219
That's technically illegal. Renters
have rights, unfortunately.
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00:09:48,221 --> 00:09:50,955
There has to be a way to
get rid of these people!
187
00:09:50,957 --> 00:09:54,826
We can't terminate their leases, but
maybe they'll leave on their own.
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00:09:54,828 --> 00:09:56,761
If you know what I mean.
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00:09:56,763 --> 00:09:58,930
Attention, villains!
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00:09:58,932 --> 00:10:01,833
The below market rent you
are paying is criminal.
191
00:10:01,835 --> 00:10:04,636
Taste the justice
of a free market.
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00:10:04,638 --> 00:10:06,037
Titans, evict!
193
00:10:17,449 --> 00:10:21,019
It is such a shame they
decided to do the moving out.
194
00:10:21,021 --> 00:10:23,755
Now we can raise the rents
back to market value.
195
00:10:23,757 --> 00:10:27,024
- We're rich!
- Well, not yet.
196
00:10:27,059 --> 00:10:29,060
It takes decades to
actually build equity,
197
00:10:29,062 --> 00:10:31,963
but in 30 years, it will
provide a modest cash flow
198
00:10:31,965 --> 00:10:36,300
to pay for our numerous
old people medications.
199
00:10:36,302 --> 00:10:40,968
This looks like a rad place to
hang out, blades. Let's move in.
200
00:10:42,775 --> 00:10:45,309
Let it fly!
201
00:10:46,278 --> 00:10:48,413
Hi, I'm Robin of
the Teen Titans.
202
00:10:48,415 --> 00:10:50,415
I know we've had a
lot of laughs today,
203
00:10:50,417 --> 00:10:52,684
but planning for your
future is no joke.
204
00:10:52,686 --> 00:10:55,553
For more information about
investing in rental property,
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00:10:55,555 --> 00:10:58,356
visit your library, or
talk to a local realtor.
206
00:11:01,493 --> 00:11:04,037
sync & correction by
f1nc0 ~ addic7ed.com ~ 16830
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