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hi this is ann thompson today 60 seconds within i thought you know with our record heat today like 38 degrees or something i thought id talk about a co-ownership agreement so a co-ownership agreement is where youre sitting around on the weekend with your friends and you decide hey lets buy a recreation property together lets say its 500 000 you put 250 in well put 250 in and well have this summer place that we can go to thats the good news sounds like fun but theres a few steps and details you want to work out so you dont get yourself into problems down the road so one of the things is make sure you work out the co-ownership agreement prior to making the offer right so do that work first before you head out looking at properties so you know exactly how this is going to go and these are things that you want to think about when you do the agreement okay first one is how is it going to be registered on the title is everybody going to be 50 50 or is somebody putting 300 000 in a