馃攳
Leigh Brown PSA | How to Write a Check - YouTube
Channel: Leigh Brown
[1]
- Good mornin'.
[2]
It's me, Leigh Brown with a
moment for my millennials.
[7]
Now, if you're watching this video
[9]
and you are a baby
boomer or a very advanced
[12]
greatest generation who's watching online
[14]
or maybe you're a generation x.
[16]
Actually, some of you
x's, you all could listen
[18]
to this to because you
might need this help.
[20]
This past weekend and actually the weekend
[23]
before, and the weekend before that.
[24]
This video is a little bit overdue.
[27]
We ran into this little
situation with some
[29]
millennial buyer clients
who were buying some
[31]
real estate here in the
Charlotte, North Carolina area.
[34]
Now, I am just so proud when
a millennial pulls the trigger
[37]
and realizes that renting
is way more expensive
[40]
than buying in our market, anyway.
[42]
Now, if you're on the
expensive left coast,
[43]
then I can't answer for y'all,
[46]
but it's cheaper here to buy.
[49]
And they didn't know they didn't
[50]
have to have a giant pile of cash to buy.
[52]
So, there's all these
misconceptions out there.
[54]
But these sweet young things
are pulling the trigger.
[56]
And, by the way, since I have
to wear my readers today,
[58]
I can call millennials young things.
[61]
I'm allowed to do that as I age.
[63]
But what I found out (clearing throat),
[65]
y'all they don't know
how to write a check.
[67]
And this is a little bit concerning to me,
[69]
because you still need to
know how to write a check.
[72]
In fact, this came from your bank.
[74]
And it probably resides
in your junk drawer.
[76]
Like most people's checks do,
they live in the junk drawer.
[80]
So, when you're ready to
buy a house, millennials,
[83]
and if you're a generation
z, and you're gonna buy
[85]
a house at the age of 18,
we are ready to help you.
[88]
You're gonna have to
go to that bank account
[90]
you opened up and find the book of checks.
[93]
Now, I'm gonna help y'all out today.
[95]
This is your lucky, lucky day.
[97]
I will show you how to fill the thing out.
[99]
Because we had to help
one of our millennial
[102]
buyer clients how to fill the check out.
[104]
So, I do not know what
you people are doin'
[106]
in the public school
systems, but we have got
[108]
to be educating these
young people on credit
[109]
scores and how to fill out a check.
[111]
So, this is my check on the screen.
[113]
See, one of the things you might not know
[114]
is that you get these
starter books from the bank,
[118]
but there's all kind of fun places you can
[120]
get your own cute checks printed.
[122]
And, I've seen some really
tacky ones in my life.
[125]
I just like colored swirls,
[126]
because I like some pretty colors.
[128]
And see all the checks in my checkbook
[130]
have different colors,
it's so fun and pretty.
[132]
Now, I did blank out
my account information,
[134]
'cause y'all don't need
to know my account number.
[136]
But you already knew my
name, and that's my husband
[139]
Steve Brown and he's got
a pretty generic name.
[141]
So, we do carry LifeLock.
[142]
I recommend everybody carry LifeLock.
[144]
It's not perfect but it helps.
[145]
And there's my address if y'all want
[147]
to send me presents, you
can send me presents.
[148]
But anyway, that's your check, okay.
[150]
Now, young people, look,
up here at the top,
[152]
that's your check number, okay.
[154]
also reflected at the bottom.
[156]
That's what tells the bank
[157]
which number check you're sending out.
[159]
'Cause if you're really
advanced, and you're gonna
[160]
balance your checkbook, look, you can keep
[162]
a list of your checks and
how much you wrote them for.
[165]
(squealing) I know it's crazy.
[166]
You even use an ink pen to do that.
[168]
Look, an ink pen and paper
makes a record, okay.
[171]
Now, over here, this is the date.
[174]
Y'all gonna write the date right there.
[175]
Look, I'm gonna help you do one.
[176]
We gonna write the date.
[178]
Today is January.
[180]
You can abbreviate if you want to.
[182]
January 8.
[183]
It's 2018, okay.
[185]
There's how you fill out the date.
[187]
Look, right here, pay to the order of.
[189]
You're gonna ask your
realtor how to fill this out.
[192]
Now, if you're buying
a house from my team,
[194]
it's gonna say ReMax Executive because we
[197]
are a firm that has a trust account where
[200]
your earnest money deposit will sit, okay.
[202]
Now, I want you to know this, not all
[204]
real estate companies
have a trust account.
[207]
Now, there's various and sundry reasons
[209]
why they don't, and if
you need me to go off on
[211]
that soapbox, I can do
that at a different time.
[213]
'Cause that is not my goal this morning,
[215]
'cause I gotta talk about
(mumbling) in a second.
[218]
And then over here, you're
gonna put the amount.
[219]
Now, the amount of earnest money,
[221]
we're your realtor, we're
gonna tell you how much
[223]
to do that so you can win the bidding war.
[225]
Just know this, if you've
hired some slipshod person
[229]
who tells you you don't
have to put any money down,
[231]
we're gonna have to have a talk,
[233]
'cause that is very poor advice.
[234]
So, let's just guess that you're
[235]
gonna put a thousand
dollars right there, look.
[237]
That means you got to
have a thousand dollars
[239]
in your checking account, so
if you don't have any money
[241]
in your checking account, stop
spending everything you got.
[244]
And if mamma's giving you some money,
[245]
have her give it to you right now
[246]
so you've got a nice record.
[248]
And by the way, you can write
that down in the back here
[250]
of when the money came into your account.
[252]
Now, you wrote your number right here,
[253]
you're with me, millennials?
[255]
You wrote your number.
[256]
Right here, you're gonna spell it out.
[257]
And I know this is crazy because you have
[259]
to have your handwriting
abilities about you.
[261]
And look, I can write in cursive,
[263]
that's proof of how old I am.
[264]
It says one thousand and.
[267]
Okay, the and is before
you put the cents on there.
[269]
Now, we try not to do pennies
and things in real estate.
[271]
That's a little exhausting.
[272]
So, I put two zeroes over 100.
[275]
That means a thousand and no cents, okay.
[278]
And then the dollars is already
[279]
written in over here for y'all.
[280]
But you can write a little
line right there, with me?
[283]
So, you put the number here,
and you write it out here.
[286]
The memo line says for.
[288]
This doesn't mean for
he's a jolly good fellow.
[291]
What you're gonna write here is for,
[293]
in my office we ask you to put EMD,
[295]
earnest money deposit, and
then you'll put your address.
[298]
So, put one, two, three
main street right there,
[301]
that helps us with our tracking, okay.
[302]
Then this line over here at the bottom,
[305]
you see it right here?
[306]
How do I point easily?
[307]
Let's see, I gotta practice
with this new software.
[309]
This line right here, you're
gonna sign your name to it.
[312]
Sign your name.
[313]
If you don't know enough
cursive to sign your name,
[315]
please go get one of those
little whiteboards at Target.
[317]
They're in the dollar section.
[319]
And practice some cursive.
[320]
You need checks to buy a house, y'all.
[322]
You cannot buy a house with bitcoin yet.
[324]
They're workin' on it,
but in the mean time,
[327]
if you plan to buy a house this year,
[328]
open a check account, get some checks,
[331]
practice writing it, and then keep 'em
[333]
in your pocketbook at all times.
[334]
And men, if you have a
pocketbook, we'll call it a murse.
[336]
Keep it in your murse,
and then bring it to us
[339]
we will help you buy a house.
[341]
If you don't have these, you're gonna
[342]
make it really hard on yourself.
[344]
But we here at Leigh Brown,
we like to make things easy.
[347]
So, share this with a young
person if you love them.
[350]
And if they want to buy
a house and whatever else
[352]
you need (clucking),
we're here to provide it.
Most Recent Videos:
You can go back to the homepage right here: Homepage