Imagine strolling through a neighborhood that whispers echoes of your past, only this time, you're here to celebrate a new listing and a heartfelt closing. That's exactly where this episode takes you, with the added bonus of a deep dive into the world of investment property financing. Our special guest, Jen Wright of Loans Done Right, joins us to unfold the complexities of leveraging your real estate investments, from private money lenders to the critical role of DSCR. It's not just about the numbers; it's about crafting a strategy that turns your property dreams into tangible successes.
But it's not all business; we're also about the soulful connections that enrich our lives. We share personal food stories that remind us how the simple act of cooking can bridge hearts and build friendships. Whether it's the love language of service or the challenge of learning Spanish to foster deeper bonds with our diverse clientele, this episode celebrates the unique ways we can touch and be touched by others. It's a toast to the human connections that underpin our professional endeavors and make every interaction truly meaningful.
As we wrap things up, we're calling on you to embrace networking and the unexpected joys it holds. There's a world of opportunity out there, and sometimes, all it takes is a step outside your comfort zone to find it. Plus, with the ever-shifting sands of real estate values, we remind you to keep a keen eye on your property investments. So, grab your favorite beverage, and let's toast to a weekend of new friendships, fresh insights, and the art of living well—this is an episode that promises to leave you informed, inspired, and ready for more.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:27):
Hey, hey, hey, hey Morning y'all.
Happy Friday, baby, HappyFriday, happy happy Friday.
Welcome to Beards on the Street.
Two bearded dudes out justhanging out selling a little bit
of real estate.
Speaker 2 (00:43):
Working on a lot of real estate.
Speaker 1 (00:44):
Working on a lot of real estate and uh working on a
lot of bit of real estate,working on a lot of real estate.
So uh, aaron, how?
Speaker 2 (00:49):
was your week, buddy, it's been, uh, it's been good.
Uh activated a new listing inin uh, layton, yeah, and uh
closed on one.
Yeah, layton, layton, layton,it's.
It's a great property though.
It's 2,300 square feet.
It's on the east side, up onthe east bench of the Layton
(01:09):
area.
There it's where I used to live.
Yeah, I know, 25 years, baby.
2110, antelope Drive, shut up.
Yeah.
Speaker 1 (01:18):
My address there was 2436 North, 2300 East, so I was
one block off of Antelope.
So there's a grade school rightthere, by where you're at.
It's called Sarah Jane AdamsElementary, where all my kids
went to grade school.
If you're headed east and youpass that school and you hang at
the first right and then thesecond left, you're in my
(01:42):
cul-de-sac man dude, likeliterally right there I actually
I love the name.
Speaker 2 (01:47):
Um, so the, the moors they've been there for a long
time.
Um more, yeah, jan and ronmoore, don't know.
Yeah, they're a great couple,but we were able to help them
find a place over in syracuse,so it's helping them kind of
transition.
Going from the east side to thewest side and they're going
from multi-level to a Rambler,which is, you know, Way better.
(02:09):
Yeah, it's a plan for them.
They're just a kind of nextlevel, next stage of life type
thing.
Speaker 1 (02:14):
Yeah, and then I used to live in that neighborhood,
that's down by where they were Ilived on.
Can't remember the street, butbefore I lived there I was
actually renting a house down alittle bit further to the west,
which is right by where they are.
Speaker 2 (02:28):
Wow, dude.
Yeah, I love the area.
It's funny.
Yeah, that's cool yeah good oldstomping grounds back in the
day that's beautiful.
Speaker 1 (02:33):
Yeah, I terrorized that whole neighborhood for a
minute, All righty, all righty.
Well, welcome guys.
We appreciate you taking thetime to listen to our podcast or
watch it live, whatever, andhowever you're doing it.
Thank you, we do.
We appreciate it big time andour subscriptions are growing,
(02:55):
but we want more, absolutely.
We want, want, want, want more.
So please, if you have not,jump on our YouTube and
subscribe it's so easy Go toyour YouTube, type in Beards on
the Street and hit the subscribebutton.
We'd love it, you guys.
Speaker 2 (03:10):
It really helps us.
Speaker 1 (03:10):
And check out our.
We've had some great episodes.
Speaker 2 (03:13):
Yeah, we're having a lot of fun with it.
Speaker 1 (03:14):
Yeah, we are All right.
I want to introduce reallyquick because you haven't seen
her yet, but we have a guest inthe studio today, miss Jen
Wright, my, my sister fromanother mother, and, anyways, I
just want to welcome you, jen,to beards on the street, episode
(03:40):
4-0 yep, I've known Jen a long,long, long, long time 2008.
Wow, hasn't been that long 2008.
Speaker 3 (03:49):
Wow, Time flies when we're not man.
Speaker 1 (03:50):
I really hang on to people, don't?
Speaker 3 (03:51):
I, you do.
Speaker 1 (03:52):
That speaks to something, or maybe they hang on
to me.
It shocks me.
Speaker 2 (03:55):
The good ones stick around.
It shocks me, the people thatlike you.
Speaker 1 (04:02):
I know you, I know it's weird.
I mean, come on, what's thereto like, right?
so much right so anyways yeah,well, I like to have fun we do,
yeah, for sure I may, I may beslowing down just a little bit,
but not a lot no my wife justkeeps digging her heels in and
trying to jump and she's got thefreaking nose rings and
(04:23):
everything with her heels dug intrying to jump and she's got
the freaking nose rings andeverything with her heels dug in
trying to hold me back, baby,or not hold me back, but slow me
down, that's not going tohappen.
Speaker 3 (04:33):
You'll never mature just like that.
Speaker 1 (04:34):
She is some kind of woman.
Speaker 3 (04:36):
She is, you've got to look good when they're so
welcome.
Speaker 1 (04:40):
Welcome, Jen.
Is mortgage with Nexa MortgageCorrect?
What's the name of yourorganization again?
Speaker 3 (04:49):
My company is Loans Done Right, powered by Nexa.
Speaker 1 (04:52):
Her last name is Wright Makes sense.
That's pretty good.
Speaker 3 (04:57):
Yeah, Loans Done Right.
Speaker 2 (04:58):
Right, that is awesome.
Speaker 3 (04:59):
It's catchy.
It is catchy.
You'll remember it from now on,right.
Speaker 2 (05:01):
It is catchy.
Speaker 3 (05:03):
Miss Wright Lo on Right.
It is catchy, Miss Wright Lone.
Speaker 1 (05:04):
Stone Wright, miss Wright, you know what's crazy is
my stepkids, licia's son's,last name is Wright.
Speaker 3 (05:11):
Oh really.
Speaker 1 (05:12):
Yeah, spelled exactly the same way.
Speaker 3 (05:14):
I wonder if we're related.
Speaker 1 (05:16):
Possibly, huh.
Their dad's name is Billy orWilliam.
Speaker 3 (05:19):
We'll have to look that up.
Speaker 2 (05:26):
Yeah, look that up yeah, let's see, I don't know.
But yeah, they're world, yeah,we're family in another way
maybe.
Speaker 1 (05:29):
Well, I told you, yeah, I told you totally no
accidents so, uh, yeah, guys, Imean this last week we had, uh
we had some some good thingsgoing on.
I mean we're into the new year.
Uh, this is kind of like thefirst full week of of rocking
and rolling into the into thenew year.
Uh, this is kind of like thefirst full week of of rocking
and rolling into the into thenew year.
Um man, I'm excited.
(05:49):
I'm excited about our team dude.
I'm excited about what we havegoing on.
Uh, we've got going on there.
Yeah, we've got, uh, new peoplewe're interviewing.
Uh, so I might as well plug inright now if you are a real
estate agent and you areconsidering either changing
teams or going to a team orwhatever it looks like.
Speaker 2 (06:12):
This is the time of year where people tend to take a
look and kind of do some of themoving around and we would love
to talk to you.
Our program is completelydifferent than I think anything
I've ever seen absolutelyanything we've ever seen.
Speaker 1 (06:25):
I would agree and it works, and it's step by step.
You, whether you've been in theindustry for years or whether
you're brand new, it doesn'tmatter, yep so this is the way
to learn this.
So, if you're brand new, thisis the way to oh yeah, and even
if you're not, aaron, I meanlet's, that's dude.
25 years in the industry andlook what you're learning.
Speaker 2 (06:45):
Yeah, it's a whole new game, for sure, and it's fun
and it's the fun time it is.
Speaker 1 (06:51):
And your shit is starting to rock and roll.
Way to go, brother.
It's fun, I love it.
Speaker 2 (06:58):
I'm having fun because it's serving people so
it really is.
It is being cool, so it reallyis being cool.
I'm really enjoying where we'regoing Nice.
Speaker 1 (07:10):
You know, yesterday I think it was something popped
up on my phone and it was somecrazy stats that I can't wait to
talk about.
It's basically they're ratingthe number one place to live
down the line to 1 to 50 in theUnited States, and it's based on
a bunch of crazy stuff thatwe're going to talk about.
But I'm chomping at the bitbecause I don't agree with some
(07:36):
of the stuff they got in there.
Really, yeah.
Speaker 3 (07:38):
Where do they get their information from Right?
Speaker 1 (07:40):
So we're going to chat about that here in a minute
.
We're going to talk more withJen about what she's got going
on and some of the programs thatshe's got.
Before we get into all that,last night was our January mixer
.
Again, guys, if you're notparticipating in our mixers,
just let us know.
I mean, I know I've got 300people on my list that I'm
(08:04):
reaching out to on a regularbasis and I wouldn't care if it
was a thousand.
Speaker 2 (08:08):
Yeah, it really is a come one, come all, come, enjoy.
We're kind of building a tribeand it's really it's a monthly
gathering of a lot of greatpeople and for you, agents out
there.
Speaker 1 (08:22):
We had a number of agents there last night that
Brandon was there, sean wasthere, jen was there.
You know what, guys, with ourprogram there is no competition,
none.
It's such an amazing programthat builds camaraderie and it
builds community and, like Aaronsaid, tribe.
(08:44):
So if you are an agent and youwant to tap into our mixers,
bring it.
We would love to have you tapinto it.
It's totally just a platform tonetwork with really cool people
.
And, man, I met some coolfreaking dudes last night bud,
yeah.
Speaker 2 (09:03):
So I've been 25 years in the business.
When I started I worked for myfamily and it was a small
brokerage and it was about 11 or12 years into my career before
I came and actually wasintroduced to the big brokerage
and the social part of realestate Right, and this is a
whole new level.
I mean, if you're an agent andyou're a Lone Ranger and you're
(09:26):
at home and you don't have thecommunity, you don't have some
of that kind of support.
We want to teach you how toactually build and grow that.
Yes, what's fun about whatwe're doing is my 50 compliments
, your 50 compliments, shauna's50, travis and everybody comes
together and as it grows, it'sit's, it's building the
(09:48):
community, but it's it's, it'smultiplying the fun it is
multiplying the it really is andit's, and it's strengthening
you know me, the more themerrier.
Speaker 3 (09:56):
Oh yeah, that gives me more people to chat with.
I love it.
There's more to go around there.
Speaker 2 (10:01):
Well there is the friend you're dude.
I've said this a hundred times,but but your friends are
amazing man.
Speaker 1 (10:06):
Thank you.
Speaker 2 (10:08):
And I love mine, but I'm really getting to really
enjoy your.
You have a tight group ofpeople that keep showing up for
you.
Speaker 1 (10:15):
You know what I really do and I love them and
they're a big, big, big part ofmy life, for sure.
You know, i've've always been,since I was a kid, I've always
been had to have friends andthey were very, very important
to me.
You know, like my, my, myoldest friend that I had since I
can remember his name's brentforbush.
(10:37):
I mean, he lives two miles fromme and and we're still best of
friends.
That is cool, cool, yeah, yeah.
Matter of fact, I was talkingto, uh, uh, a seller of a house
that I have clients undercontract with them and they
actually live in the same citythat that he was living in,
which is Iona, idaho.
Iona yeah, random, yeah,totally random.
Speaker 2 (11:06):
And his parents own the six 12 food store in Iona,
Idaho.
Speaker 1 (11:07):
That's awesome.
By the very first time I methim, he was sleeping out on his
front lawn and I just barelymoved in.
We showed up and I went upthere and just sat down and
started bullshitting with him.
Isn't that weird?
No, that's cool.
Speaker 2 (11:16):
That's so mean I think I was in the fourth grade.
I was going to say how old wereyou?
Speaker 1 (11:24):
I was in the fourth grade was he hung over?
Speaker 2 (11:26):
no, he was just no, it was just.
Speaker 1 (11:28):
That's what you did in malad.
You'd sleep out on the tramp orout on the lawn and I sleep
over I grew up doing that backthen yeah, yeah, I grew up doing
it too, yeah, trampoline so Ijust saw him out there and went
over and sat down and, yeah,just made friends, yeah.
Speaker 2 (11:42):
Bullshit.
Just make friends.
That's so cool, dude, heyfriend.
Speaker 3 (11:46):
Hey friend, 50 years later, here we are.
I'm Bear Dean.
Speaker 2 (11:51):
Yep, that's cool.
Speaker 1 (11:52):
So again back to the mixers guys.
Here I'll throw up some funshots.
This one right here.
I love Shauna's face in thisone.
Isn't that cool, so Shaunathere you go.
Speaker 3 (12:04):
That's Brandon.
Speaker 2 (12:05):
She's listening to Brandon talk and tell stories
and she's like whatever,whatever.
Speaker 1 (12:11):
And this guy is, I believe, a mortgage guy that
she's been chatting with.
Oh, cool, and that's our buddy,mr Brett.
Yes, mr Brett, I heard that man.
He's looking good.
That dude's awesome.
He brought his wife last nightI heard that.
Buddy man.
All right, let's keep it goinghere.
What we got here, if I can hitthe button oh hey, that's me and
(12:32):
Mr CB and Mr Travis.
Now, the dude on my left withthe big long beard was such a
cool cat, jason Gamblin, nope.
Speaker 2 (12:42):
No, beard was such a cool cat, jason gambling Nope,
nope, nope, you sure.
Speaker 1 (12:46):
No, that's, that's Travis.
That's not Jason, but the guynext to me, his name is Rob and
he was there with Travis andjust a freaking cool I mean, the
dude rides motorcycles, he hasthe, the, the cars he and we
were talking about some of hisbuddies and they just get
together and build shit in theirgarage.
(13:06):
That's cool.
Speaker 2 (13:07):
I mean, I was like dude.
Speaker 3 (13:08):
Yeah, man cave stuff yeah.
Speaker 1 (13:10):
I'm like hurry up and get me in that circle so I can
get my rat rod over there.
Speaker 2 (13:14):
I have a couple things we need to tweak, yeah,
tweak, no kidding.
Speaker 1 (13:19):
Yeah, man, I mean there's Cynthia and Drew the
cowboy the Wyoming cowboy wecall him, and there's your boy,
jason, that I'm going to get himon my top 50.
Speaker 2 (13:33):
Jason, I'm coming after you.
Speaker 1 (13:36):
You tell Mr man over there to pound sand.
Speaker 2 (13:40):
He would laughing, he would, he would you watch?
Speaker 3 (13:43):
That's awesome.
Speaker 1 (13:45):
Better protect.
You watch that's awesome.
Better protect After I saidthere's no competition.
Right, right, my 50 somehow isall over his 50, so Right, okay,
so let's jump right into thisand let's chit-chat with Jen
about some of the programs thatshe's got available.
Okay, jen, let me throw up acouple things.
(14:08):
So the very first thing is justyour business card, just so
people can see it and see yourlovely face and they can have
access to that if they needaccess to that.
First slide we got up is theDPA Advantage.
Speaker 3 (14:24):
So there are so many options for people that need
assistance with down paymentassistance.
Speaker 1 (14:30):
Okay, so DPA down payment assistance.
Speaker 3 (14:32):
Yes and there are grants and there are loans.
So when you're out therelooking, and if you're not using
me as your lender, please besure to clarify with them is it
repayable, do you repay the loan?
Is it repayable, do you repaythe loan, or is it forgivable?
(14:52):
And there's a big differenceand there's multiple programs
out there right now, some evencities like West Valley and
Ogden, and grants all over theplace for different locations
have different options for you.
So please ask for that.
Now know that your down paymentassistance if you have to repay
that, it does count towardsyour debt to income ratio.
So it changes what you canqualify for it does change the
(15:14):
way you qualify, and those willbe changing.
So make sure you talk to yourlender or me about the different
options.
Speaker 1 (15:22):
Is that something that we're working with?
Speaker 3 (15:23):
on Megan on her deal we are, I figured Yep, and I
want to get her the forgivableone, yep.
Speaker 1 (15:28):
Yeah yeah, Jen brought me a client and thank
you very much.
You're very welcome, VIP50.
Speaker 3 (15:33):
Anytime my buddy.
Speaker 1 (15:36):
Okay, talk about this .
Rental loans for investors.
Speaker 3 (15:39):
Okay.
So for investment properties andyou're going to hold them and
use them as rentals, there areoptions out there for you to get
money and you can come througha lender like myself and we go
to our private money lenders aswell as our hard money lenders
and some of our lenders haveamazing programs, even up like
(16:02):
12% interest, with a point infront, point in the back and 12
months lending time, noprepayment penalties.
They have really amazing limitsthat they can use and sometimes
our lenders also have somedeferment on payments, so you
(16:25):
don't have to make a payment forthe first few months and then
you start if it's going to be alonger project.
So that helps a lot of theinvestors who have to put some
skin in the game and whilethey're doing their fix and
flips or they're doing theirrehabs to do the buy and holds,
they can save that money so thatthey can put that into their
(16:46):
investment property or go outand get some others.
And so by utilizing the rightreal estate agent, like Aaron
and Perry, they can find youreally great off-market
properties as well as somereally good leads that they have
on the MLS, and then you bringthem to me and we work on if
you're buying it correctly forthe right price.
What is your exit strategy?
(17:06):
What are all of your holdingcosts?
What are all these things thatare going to come into play when
you're buying a property sothat your rate of return and
your cash flow from yourinvestments really makes sense?
Speaker 2 (17:19):
Love it, love it Love it, love it.
Speaker 3 (17:21):
Yeah, it's awesome.
Speaker 1 (17:22):
Debt service cover ratio.
Speaker 3 (17:24):
So, after you've done your investment and you
purchase it, then you rehab itand you're going to hold that
property for investing and forcash flow the DSCR, which stands
for debt service coverage ratio.
That basically means that youdon't need anything else to
qualify for that loantechnically, except for the
(17:47):
rents that you're going tocharge.
Speaker 2 (17:50):
Paul Matzko Jr.
Qualify for the rent JenniferLawrence Jr.
Speaker 3 (17:52):
Yep, and that qualifies you for that loan, and
there's a lot of things that gointo it.
Some of our investors have cometo us after they've bought
wrong or they've spent too muchmoney or they didn't really-.
Speaker 1 (18:01):
Paul Matz didn't really Happens all the time.
Speaker 3 (18:03):
Yep Check into the market of where they're
investing and they're not ableto sell it.
So they think they're going tosell it as their exit strategy.
But then they have to come inand now they're renting it Right
, and so there's somestipulations on how long you
have that property once you'vefinished your rehab before you
can come in and refinance out ofyour hard money loan into that
(18:28):
debt service coverage ratio.
So please check with yourlenders on the specifics of that
before you buy your propertiesso we can advise you as your
financial advisor.
Speaker 2 (18:37):
Love it, love it, love it.
What typically is the?
Uh, is there a?
Is there a hard kind of a rulearound that?
The timeframe?
Speaker 3 (18:44):
for DSCRs.
Speaker 2 (18:44):
Yeah, yeah, usually I mean it's basically and it's
governed by time.
On title, it sounds likeCorrect, okay.
Speaker 3 (18:52):
Yeah, so from the time that you purchase it until
you're done with your rehab,there are some lenders out there
that will let you do threemonths after.
Speaker 2 (19:02):
Okay, 90 days Three months.
Speaker 3 (19:04):
But their qualifications for that are a
little bit different.
They're going to go on likeactual receipts and what you've
actually spent for the remodel.
Or there's a six-monthseasoning where after you've
owned the property for sixmonths and you're renting it
things like that then they'll do100% of the ARV based on
appraisal Okay.
So there are some in-betweensand those are very important
(19:27):
things to know before you go outand buy your property.
Speaker 2 (19:30):
Sounds familiar, like almost like the FHA
qualifications.
Yes, right, okay.
Speaker 3 (19:35):
Similar but different , because you're only using what
you're getting for rent.
Yeah, and there's differentratios, like a 1% ratio, if
you're above 1%, up to 5%, ifyou're below 1% down to 7.5%.
All of those will havedifferent interest rates and
different LTVs and rate ofreturns.
All those things are going tobe a little bit different.
Speaker 2 (19:56):
Meeting with you and understanding all that up front
and having a plan is important.
Speaker 1 (19:59):
Yeah, because the next one is hard money.
Speaker 3 (20:01):
Hard money.
So using other people's moneywhen you're an investor is
really important, and so, beingan investor myself, as well as a
mortgage broker, people come tome a lot Like right now I'm
currently working with a clientwho does a lot of investments
and in order for them to besuccessful, they have really
(20:24):
mastered other people's money,and that is hard money lenders,
private money lenders, et ceteraso hard money.
What that means is that you'regetting a company or someone to
give you money for yourinvestment, but they're not
giving it to you.
I guess that's the wrong thing.
Speaker 1 (20:44):
They are loaning it to you for a very high interest
rate.
Yes, usually.
Speaker 3 (20:48):
Usually.
Now, like I was mentioningbefore earlier, I've got lenders
that will rent a loan anywherebetween 10 to 14 percent, what
usually charging two points andpoints means.
So if it's one point it meansone percent of the loan.
Two points would be two percentof the loan.
Sometimes they'll have you paythat two percent upfront at the
(21:09):
very beginning, or they'll haveyou paid at the end but this at
the very beginning or they'llhave you pay it at the end.
But this way you're not usingyour own money and they're
charging you for that becausethey're going to be making some
money on the end.
And then you're freeing up whatcapital you have of your own so
that you can be more liquid,and then afterwards then you
refinance out those hard monies.
(21:30):
Like it, like it or sell it, orsell it, yeah, and then
afterwards.
Speaker 1 (21:32):
Then you refinance out of those hard monies Like it
, like it, or sell it, or sellit, yeah, and then the last is
explore the non-QM.
Speaker 3 (21:38):
So non-QM is basically not a typical loan, so
it's not a conventional FHA VAUSDA.
It's something like bankstatements or ITINs or foreign
nationals or 1099 borrowers,self-employed asset depolitions.
Speaker 1 (21:58):
Non-traditional loans .
Speaker 3 (21:59):
Non-traditional loans ?
Yeah, absolutely, and a lot ofpeople don't really know which
category they should fit into.
Is it best for them, becausethey're self-employed, for them
to use just their bankstatements, or are we going to
go off of their business bankstatements because they have an
LLC, or is it going to go off oftheir personal bank statements?
And how people do their taxesand really what they write off
(22:20):
as business expenses versuskeeping as income really does
affect their loan availabilityas well.
So be sure that when you'redoing your taxes, please check
with your CPA about what yourfinancial goals are when you're
buying homes on investmentproperties, because that will
affect how that looks.
Speaker 1 (22:38):
Love it, love it.
Speaker 3 (22:40):
Man, you got a lot of programs going on over there.
I do, holy cow, I do.
Speaker 1 (22:43):
So I just put up your slide again with all your
personal information.
If any of you out there arelooking to buy any kind of real
estate and you need any of theseprograms, I mean there's a lot
First-time homebuyers, veterans,police officers, sounds like
she's got it all.
Speaker 2 (23:02):
But also on the hard money, flexible lending as well.
That's awesome.
Speaker 3 (23:08):
That's great, and if you need some great lawyers,
real estate agents obviously mytwo brothers here are fantastic.
Speaker 1 (23:18):
That's why I've worked with them for years.
Well, thank you, thank you,thank you.
Thanks for coming on the showand talking about that.
I love it, man.
That's awesome.
You know, aaron, I justfinished up my tree, you know,
aaron.
Speaker 2 (23:32):
I just finished up my tree.
Well, kind of I was in therejealous of it today looking at
it.
Speaker 1 (23:35):
So I got it popped up here.
So, guys, as you know, with ourVIP 50, we're basically taking
50 people in our sphere ofinfluence and really showing up
for them and putting in majoreffort to be a better friend.
I don't know how else to put itother than that Like a hyper
(23:57):
plug-in right, yeah.
And so one of the tools that Iwanted that I came up with is
this tree based on our VIPfamily, and at a glance I can
just look up at my tree and seeeverybody that's on there, and
it's just forefront of mind forme.
Speaker 2 (24:17):
It's a, it's a representation, because it's the
, it's the tree of life, andit's your life, it's your
lifeblood.
Right yeah, that relationship'sthat important it is that
important.
Speaker 1 (24:26):
So I just wanted to kind of show off and let you
guys know'm looking at you everysingle day and, uh, thinking
about you every single day.
For sure, that's awesome.
Speaker 3 (24:34):
So we love you bro yeah, love my tree.
Speaker 1 (24:37):
I think it turned out fantastic.
I did all righty.
So, uh, book club every morningwe read at 9 am.
If anybody wants to join us,you can either call in and uh
and listen up or show up.
Yeah, come visit, we'd lovethat.
We look in person's always waybetter, you know.
But if, uh, if you do startjoining us and there is a time
(25:00):
and you don't want to miss whichwhich has happened to me, you
know call in and we'll figure itout.
So we're reading a great bookright now too.
I mean, it's got a lot of wordsin it.
Change your thinking, changeyour life.
Speaker 2 (25:15):
It's like.
Every page, though, hassomething that's profound.
Speaker 3 (25:18):
Like a golden nugget.
Speaker 2 (25:19):
It is oh yeah.
Speaker 1 (25:23):
A lot of really, really good messages in this
book.
The way you think is everything.
It is how.
Speaker 2 (25:29):
It is everything it skews and it impacts every
situation is the way you view itand how you're thinking about
it.
Speaker 1 (25:36):
Everything Like what you're going to eat for dinner.
Seriously, I mean, it's how youfeel about dinner Right.
How you feel about who you'rehaving dinner with.
Speaker 2 (25:49):
Right.
Speaker 1 (25:49):
Yeah.
Speaker 2 (25:50):
Right.
Speaker 1 (25:51):
Absolutely, especially if you're eating it
by yourself.
Speaker 3 (25:54):
Yep, amen, that's me.
Speaker 2 (25:56):
Who's making you dinner and bringing it in as
leftovers, and you know, yeah.
What's weird is why am I theone gaining weight?
No kidding what the hell isgoing on.
You're the one.
You have it at home.
I just get the Biproc leftovers.
Aaron, push away.
Speaker 1 (26:14):
Betty, push away, push away.
Speaker 2 (26:17):
All right, it's so good, but it's so good, it's so
good you can't help yourself.
Speaker 1 (26:22):
And then he's done.
He's like oh, I ate too much,I'm so fat.
Speaker 2 (26:27):
Who the hell makes cakes, cakes.
Speaker 1 (26:30):
Dude, I bring it in all the time and share, and you
know what?
Speaker 2 (26:34):
Because of you.
Speaker 1 (26:35):
I get my ass yelled at all the time.
Why didn't you take those into,aaron?
Speaker 2 (26:41):
I'm just grateful.
That's why I get so much of it.
Speaker 1 (26:44):
Literally two nights ago, licia walked over the
garbage can and threw out thesechicken.
Cordon bleus Threw them in thegarbage.
She's like why did you not takethose into air?
I'm so sick and tired ofwasting food.
Oh my gosh.
Speaker 2 (26:59):
She started buying my baby.
Speaker 1 (27:01):
I ate them twice.
That's a stretch for me.
I ate it twice.
That is a stretch for you.
Speaker 3 (27:07):
You're not a leftover guy.
Speaker 1 (27:09):
Not really, Dean.
Do you know why?
Speaker 2 (27:11):
I love her coral blue , bro, I know.
Speaker 1 (27:15):
Come on.
Sorry, I leave in the morningand I'm not thinking about you
feeding me.
Speaker 2 (27:20):
Isn't that one of Graham's favorites?
Probably.
Speaker 3 (27:23):
Stick her on your fridge or something when he had
his surgery.
Speaker 2 (27:25):
I think she made that .
Speaker 1 (27:27):
I'm going to have a big sign on my freaking fridge.
Remember Aaron, feed Aaron,feed Aaron.
Speaker 3 (27:36):
You got a growing boy at the office.
He's your kid.
Speaker 1 (27:42):
It's like your kid dude, you know that's definitely
Lacey's love language isService and food.
Speaker 2 (27:49):
When I come over and hang out and she doesn't leave
the kitchen, she just keepsgoing.
I know she just keeps going.
Speaker 1 (27:54):
I'm just like all the time, baby, get your butt over
here and sit down.
Sit by me, geez.
Yeah, she wants to serve.
We don't have to make Aaron'sfive meals for the week.
She's milk prepping too.
Aaron can do his own damn foodprep.
Speaker 3 (28:09):
She's milk ripping.
Speaker 2 (28:12):
I do chicken and rice , so when I get something
special it's coming from theirhouse.
Speaker 3 (28:17):
Okay, I want to be your kid now too.
Yeah, no kidding.
Speaker 1 (28:20):
She's an amazing, freaking cook and she thinks she
says all the time you don'tlike anything I make.
And I'm like what are youtalking about?
I eat everything.
She just makes too much.
You know, know, it's hardbecause when I still have that
problem, because you know meraising all my kids, my five
kids, and then I always had thewhole neighborhood at my house,
so I mean, when I cooked, Icooked lots, yep, and that was
(28:42):
the hardest thing to cut backone of my favorite things about
our concert nights is eatingafter is the nachos at your
house, after your counter,counter.
Speaker 2 (28:51):
They are good, seriously.
He just busts it out.
He's like oh, I got this, let'sadd that, let's go.
Speaker 1 (28:58):
That or quesadillas.
Speaker 2 (29:01):
And fresh bread.
So you make a mean sandwich too.
Speaker 1 (29:06):
I make good quesadillas.
Speaker 3 (29:08):
Do you have starts like from sourdough?
Speaker 1 (29:10):
She does, alicia does , licia does, wow, yes, but we
buy most of our bread atHarmon's.
I'll be honest with you, it'snot like we're baking the bread
she does and we haven't had itfor a minute.
There was a friendship bread,the Amish bread.
The Amish bread, oh man.
It's really good, but I gettired of it.
Speaker 2 (29:28):
She figured out, she started adding caramel to it.
Yeah, like the little caramelnuggets, the toffee nuggets I'm
the one that started that.
Speaker 3 (29:37):
Toffee, it's just like feta.
Feta can go on everything.
I agree, feta.
Speaker 1 (29:42):
Like everything it does and Havarti Eggs.
Speaker 3 (29:44):
Oh, I love it.
Sandwiches Brie salad salad a,what a quat quesadilla oh okay,
because I was like quasadillas.
Speaker 1 (29:55):
Oh hey, we started, uh uh, taking spanish lessons.
Speaker 2 (29:59):
I was actually gonna say so after our reading, if you
do decide to come in, you cando some spanish.
Speaker 1 (30:04):
Every morning we're starting to learn spanish, okay,
and and the bottom line is isis.
I went to Mexico and I mean youpick up on some words, but and
Aaron picked up a client thatwas Spanish only speaking and
it's like, okay, we need to stepup.
Speaker 3 (30:21):
Yeah, I had to turn away two Spanish clients last
week.
Speaker 1 (30:25):
Well, don't do that Never again.
Don't turn them away.
Just bring them here and we'lltake care of them.
Speaker 3 (30:30):
No, no, I Don't turn them away.
Just bring them here and we'lltake care of them.
Speaker 1 (30:32):
No, no, I mean they already had an agent, though, oh
, as a lender.
Speaker 2 (30:34):
I turned them away to one of my associates.
I have a buddy, who's awesome.
We do have a buddy.
You have somebody that you got.
Okay, yeah, all right, but Ineed to learn Spanish.
Speaker 3 (30:41):
You would think that my late husband spoke.
Speaker 1 (30:42):
Spanish.
Hopefully you got a referral.
Hey, our time is worth.
It is worth it.
Speaker 2 (30:50):
Building that relationship and the connection
and the opportunities weresomething for sure.
Speaker 1 (30:54):
Sure it is Absolutely .
Speaker 3 (30:55):
And they're grateful when we say you know what?
I might not be able to help youwith that, but I know someone
who can.
Let me find out.
Speaker 1 (31:02):
Exactly that's what we do.
Speaker 3 (31:04):
And I was meeting with Stephanie Sumay this
morning and we were talkingabout that that she and I are
connectors this morning and wewere talking about that that she
and I are connectors and weknow a lot of people and people
come to us a lot of times hey,do you know someone?
Hey, do you know this?
Hey, do you know someone whodoes that?
And if we don't, we'll say Iknow someone who might know
someone.
And then we just make thatconnection.
Speaker 1 (31:23):
Let's talk about this .
We have on our website,luxuryrealtyagencycom, a
business directory.
I love that that we add to allthe time and it is exactly based
on what you were just talkingabout If somebody needs a sheet
rocker, or if somebody needs apainter, or if somebody needs
(31:43):
mortgage, or whatever it is.
Hvac electrician we havemechanics, yeah, everything.
It's a great resource.
I've used people from there,yeah.
Speaker 3 (31:49):
Everything it's a great resource.
I've used people from there.
Speaker 1 (31:52):
Yeah.
Speaker 3 (31:52):
And I send people there.
It's great.
Speaker 1 (31:54):
Great resource.
Speaker 3 (31:55):
Yeah, it's wonderful Okay.
Speaker 1 (31:57):
Let's get in and talk about this.
Okay, All right.
So WalletHub I've never heardof them until now, but
apparently they do these surveysand whatnot.
So, like I said, they'retalking about the best places to
live in the United States andit's based on a number of
different categories.
(32:17):
So, Utah when do you think Utahlanded on that?
Speaker 3 (32:21):
Three.
Speaker 2 (32:22):
Five Higher.
Speaker 3 (32:24):
One Ten, the other way Two.
Speaker 2 (32:27):
Ten, keep going.
Speaker 3 (32:29):
Oh, you mean lower.
Speaker 2 (32:29):
Fifteen, fifteen, fifteen, fifteen, fifteen, wow,
fifteen.
Speaker 1 (32:33):
Yep.
Speaker 3 (32:33):
Okay, Is Austin Texas above.
Speaker 1 (32:36):
And I don't agree with it.
I don't either.
You ready for this, mm-hmm?
And this is by the state.
Guess what?
Number two is what?
North Dakota, what, what thef***.
Would you want to live in NorthDakota for Can?
Speaker 2 (32:51):
you imagine this time of year, no Cost of living I
have friends that do oiltrucking through there in the
Dakotas.
And it is like no man's land.
Speaker 1 (33:01):
My brother lived at Minot, the only people that live
in North Dakota are people thatare in the oil industry.
Literally, I've been in everysingle state in the United
States except North Dakota.
I've been in every single statein the united states except
north dakota.
I've been to north dakota and Idon't even care.
Yeah, what the number two.
Speaker 2 (33:21):
He's so controlled himself.
Speaker 1 (33:22):
It's amazing number two on the list.
Are you kidding me?
Uh, is it cost of living orsomething?
Okay, let's, let's talk aboutthis.
Okay, so this slide is childcare costs.
That's one of the categories onchild care costs that they're
having, and they're saying thatSouth Dakota is the number one
(33:44):
place for child care Mostaffordable child care.
Well, of course, that's a given.
Nobody wants to live up there.
There's no industry other thanoil and gas and children.
Speaker 2 (33:54):
And apparently these children that are there, I don't
think you go seek out economychildcare.
Speaker 1 (33:59):
I think you'd be grossly, grossly, grossly pissed
off and not very happy if youmoved up to North Dakota for
your kids.
Speaker 3 (34:08):
When I was a physician's recruiter we had a
hard time placing in NorthDakota.
It was one of the mostchallenging places to recruit to
.
That's insane.
To me, that's insane.
Speaker 1 (34:16):
I don't understand that one Utah's number four on
that list for child care.
Speaker 2 (34:21):
Because, moms stay home.
Speaker 3 (34:24):
So the worst or?
Speaker 1 (34:25):
the highest child care.
Of course is New York, newMexico, which is weird,
interesting.
Washington, nevada and Nebraska.
Interesting, of course, is newyork, new mexico, which is weird
, interesting washington umnevada and nebraska do you have
the ability to see housing cost?
Speaker 2 (34:39):
hang on, let's keep going.
Speaker 1 (34:40):
I don't know if that is one or not, but okay, the
next one is is rating familieswith young kids okay I bet we're
way up there.
Where do you think we rankThree?
Speaker 2 (34:53):
One.
Oh, I mean not a shock, really.
Speaker 3 (34:55):
Well, I was going to go with one, but I thought that
was too easy.
Speaker 2 (34:57):
We have babies here we have kids, bro.
Speaker 1 (35:00):
Do you know what's number one?
I mean number two, Tejas.
Speaker 3 (35:04):
Texas yeah.
Speaker 1 (35:05):
Is it you ready for this?
What would you think?
Number three is Idaho.
No.
Speaker 2 (35:10):
Wyoming, nevada, california, alaska.
Speaker 3 (35:15):
Alaska.
Speaker 2 (35:16):
Yep Interesting Yep.
Speaker 1 (35:19):
They're all in Nebraska.
And guess which is number five?
North freaking Dakota.
Oh my gosh.
Speaker 3 (35:28):
This is amazing to me .
Speaker 1 (35:31):
Okay, the lowest is Vermont, Maine, Florida, Hawaii.
Speaker 2 (35:36):
Florida for sure, because, yeah, they're retiring
now.
Speaker 1 (35:39):
And West Virginia is the lowest.
Speaker 3 (35:42):
West Virginia.
Speaker 2 (35:43):
Yeah, but.
Speaker 1 (35:43):
I mean, think about it, west Virginia.
I mean there's a lot ofprofessional people.
Speaker 2 (35:48):
Yeah, a lot of politicians, yeah, yeah.
Speaker 1 (35:51):
Okay, so the next one I don of politicians yeah, yeah
, okay, so the next one I don'tget this one.
This is a category Infantmortality rate.
Oh my gosh, oh, I get that.
Speaker 3 (36:01):
What the F.
I get that.
Yeah, why would that be acategory?
Because that's a thing, itreally is a big thing, wow.
Speaker 2 (36:07):
It has to do with the hospital care probably is a big
thing.
Wow, it has to do with thehospital care, probably.
Speaker 1 (36:10):
Well, you want to know what the number one lowest
state is for mortality.
Speaker 2 (36:15):
What, where, what?
The number one?
Lowest?
Okay, utah.
Speaker 1 (36:20):
North Dakota.
Speaker 3 (36:22):
Okay, we're just going to say North Dakota.
How is North?
Speaker 1 (36:24):
Dakota the highest of kids and the lowest of
mortality.
Speaker 2 (36:30):
One of the cheapest places for child care, but it's
not safe.
Speaker 3 (36:34):
Wow.
Speaker 1 (36:35):
Yep, lowest is Vermont, and that makes sense,
yeah, massachusetts, new Jerseyand Oregon, that's top five.
The highest is South Carolina,alaska, say freeze to death
Alabama, arkansas and the veryworst is Mississippi.
Speaker 3 (36:55):
Mississippi.
Speaker 1 (36:56):
Mississippi, m-i-s-s-i-s-s-i-p-p-i, is there
a lot of poverty there there is,yeah.
Speaker 2 (37:02):
Okay, next category which I've heard a lot of around
the type of care the mothershave while they're birthing, and
things, or if they have any.
Yeah it's a major thing, right,mothers have while they're
birthing and things.
Speaker 3 (37:11):
Yeah, it's a major thing, right?
Prenatal care is very importantokay.
Speaker 1 (37:12):
Next category violent crimes per capita, and I think
the key here is per capita.
Okay, california number one.
Number one, fewest.
Okay, let's do the fewest first, so the best or the they're the
lowest, the lowest Idaho.
Speaker 3 (37:30):
North Dakota.
Speaker 1 (37:32):
Nope Way on the other side of the United States.
Speaker 2 (37:38):
Interesting Really, maine Back east.
Speaker 1 (37:39):
Maine.
Speaker 3 (37:40):
Maine, maine's beautiful, so I Okay.
Speaker 1 (37:44):
Maine.
Speaker 2 (37:44):
What's the lifestyle of half a dozen New?
Speaker 1 (37:46):
Hampshire is number two.
Speaker 2 (37:48):
Sure.
Speaker 1 (37:48):
Connecticut is number three.
So listen to all these EastCoast Rhode Island is number two
.
Sure, connecticut is numberthree.
So listen all these East Coast.
Rhode Island is number four andcheck this out.
Number five Wyoming, wyoming,wyoming.
Yeah, because-.
It's per capita, becauseWyoming is so wide, open and big
, and I think it's because ofthe per capita.
Speaker 3 (38:08):
But it's also probably the cowboy mentality
too.
Okay, you ready for the veryworst for crime.
Yep Provo.
Speaker 1 (38:14):
Utah.
Speaker 2 (38:16):
New Mexico.
Speaker 3 (38:17):
New Mexico.
Speaker 2 (38:18):
My brother lived there and you know what.
I wouldn't be surprisedactually.
Speaker 1 (38:21):
Really Tennessee Tennessee.
Speaker 2 (38:25):
Tennessee.
Speaker 1 (38:26):
Tennessee, louisiana, alabama and again Alaska.
Speaker 2 (38:33):
Why is California not in any of this stuff?
Speaker 1 (38:35):
It's per capita.
Speaker 2 (38:37):
But it's damn near its own nation.
It's so big.
Speaker 3 (38:40):
No, that's Texas.
Speaker 2 (38:42):
The populace in California.
Speaker 3 (38:44):
Texans we think we have our own state.
Okay, here we go.
Speaker 1 (38:48):
Percentage of families in poverty.
This is going to blow your mind.
Okay, this is going to blowyour mind.
Okay, this is going to blowyour mind.
Speaker 3 (38:55):
I would say somewhere in the state.
Speaker 1 (38:56):
Utah's on this list, is it?
It is, oh, that makes me sad.
Utah's on this list, soremember we're very high on
refugees.
Percentage of families inpoverty.
Okay, now we're on the lowestside of it, okay, okay.
So meaning for being on thislist it's we're high on it,
we're not high.
Speaker 3 (39:17):
We're low, we're low, but we're still on the list,
which means we need to improve.
So we're at number three.
Speaker 1 (39:21):
Oh, we need to improve.
So we're at number three, oh,for percent of families in
poverty, which blows my mindthat, oh my gosh, yeah, new
Hampshire is number one,minnesota is number two, vermont
number four and Colorado numberfive.
Now, the worst, the worststates with poverty Kentucky,
(39:43):
west Virginia, new Mexico,louisiana and Mississippi.
Speaker 2 (39:48):
West Virginia.
Speaker 1 (39:49):
Yep.
Speaker 3 (39:50):
Isn't that crazy.
I would say West Virginia forsure, because they don't have a
lot of income out there.
Speaker 1 (39:55):
I get Louisiana.
Speaker 3 (39:58):
I get Mississippi.
Speaker 1 (39:59):
And that's why they are the worst.
It's probably at the childthing too, so okay last one Okay
.
Separation and divorce rate.
Oh, Utah's up there, we're upthere.
Where do you think we are?
Speaker 3 (40:13):
Five.
Speaker 2 (40:14):
Three to five.
Speaker 1 (40:16):
We're number one on the lowest, oh, oh, what.
We're number one on the lowest,are we?
Yeah Well, the values and thechurch.
Speaker 3 (40:24):
I would have thought that because people get married
so young.
Speaker 1 (40:27):
Yes, you would think Guess what's number two, north
freaking Dakota Really, yep, wow, you would think the hard life
they live up there.
Yeah, but they probably justhave nowhere to go.
Speaker 3 (40:41):
But it is pretty in the summertime though.
Speaker 1 (40:43):
It really is nice in the good weather and the people
are so kind up there they arereally New Jersey, Hawaii and
Nebraska, so those are the oneswith the lowest divorce rate
Interesting Highest.
Speaker 2 (40:56):
What do you think is the worst?
New York, I have no idea,because High stress.
I would have thought that wouldbe New Mexico.
Speaker 3 (41:02):
Really.
Speaker 1 (41:03):
Again.
Speaker 3 (41:05):
What's going on in that state?
I have no idea.
Speaker 1 (41:07):
Something's going on in New Mexico.
Yeah, nevada, that makes sense.
Yeah sure, louisiana,mississippi, florida.
Speaker 3 (41:16):
Interesting.
Speaker 1 (41:18):
Aren't those interesting?
Yeah, that is curious.
Speaker 2 (41:20):
Yeah, way interesting .
Speaker 1 (41:21):
But again I don't get the very first one where we're
15th on this freaking list ofstates to live in.
I thought for sure we'd be inat least the top five.
I would agree.
Speaker 2 (41:32):
I'll tell you what I think.
We're number five or seven onthe best places.
Don't second homes.
Speaker 1 (41:39):
So I don't think I went through the list, the
number one place that they'resaying to live.
Speaker 3 (41:42):
Okay.
Speaker 1 (41:49):
Just had to make sure that was right, you ready, yeah
, massachusetts massachusettsnumber one I love massachusetts.
Speaker 3 (41:55):
I do too.
Speaker 1 (41:55):
I love boston I love any port city the baltimore love
it, seattle love it yeah,boston love it yeah.
Speaker 2 (42:02):
Boston love it.
I want to go visit those.
Speaker 1 (42:04):
Yeah, really cool, but Massachusetts is number one.
Speaker 3 (42:08):
And the history.
Speaker 1 (42:08):
Oh yeah, lots of history.
Speaker 3 (42:10):
North.
Speaker 1 (42:10):
Dakota is number two.
We already talked about that.
Speaker 3 (42:12):
Yeah, which is funny.
Speaker 1 (42:13):
Who knows about that one?
I don't get it.
Number three is Minnesota,minnesota.
Speaker 3 (42:19):
Minnesota.
Speaker 1 (42:19):
Minnesota.
Speaker 3 (42:21):
Did you know?
Speaker 1 (42:21):
that in Minnesota it gets so freaking cold.
And think about this IsMinnesota on the same level as
North Dakota?
Uh-huh, right that when you'redowntown Minnesota, you can walk
around the entire downtown cityand not go outside?
They have walkways through allthe buildings because it gets so
freaking cold there.
Wow, really, yep, wow, that'spretty cool.
(42:43):
They also have the largest, orused to I don't know if it's the
same, but they used to have thelargest mall.
It's called the Mall of America.
Speaker 3 (42:50):
Yeah, Mall of America .
Speaker 1 (42:52):
I've never been to it .
Speaker 2 (42:53):
It's ridiculous.
I didn't know.
Speaker 1 (42:56):
Did it survive it, if I remember right, I think it
has an amusement park in themiddle of them all.
Yes, oh my gosh, yeah, okay soMinnesota, nebraska, cornhuskers
on Farmers.
Number five this actually blowsme away.
Number five place to live, newYork.
Speaker 3 (43:14):
New York, but what part of New York?
Speaker 1 (43:15):
Just New York, it doesn't say Manhattan or
anything like that.
No, it's just New York, newYork, like New York over Utah.
No, shut the front door.
No way North Dakota over Utah.
Are you kidding me?
Speaker 2 (43:29):
Yeah.
Speaker 3 (43:29):
Utah's awesome, then it's.
Speaker 1 (43:30):
Maine, then it's New Hampshire, then it's.
Speaker 3 (43:34):
South Dakota.
It's because all of us Harleyriders go up there Once a year.
Speaker 1 (43:40):
Give me a break.
Speaker 3 (43:41):
That's enough to make the list.
Speaker 2 (43:45):
For real.
Speaker 1 (43:45):
Probably.
What does that say?
Rhode Island?
Huh, wyoming Iowa, iowa, iowais, they're saying, iowa.
You'd rather live in Iowa overUtah, utah.
Speaker 3 (43:59):
There's got to be other reasons for that.
Speaker 2 (44:02):
Yeah, I'm curious.
Speaker 1 (44:03):
Connecticut man, my eyesight's going bad.
Speaker 3 (44:07):
I just don't know as well enough.
Speaker 1 (44:10):
Washington or, excuse me, Wisconsin.
Speaker 3 (44:12):
Wisconsin and it must be the way of life and ease and
Cheese?
Speaker 2 (44:19):
I don't know something Cheese.
Speaker 1 (44:24):
Again, honestly, I don't get it, because I
guarantee you, if you looked atthe or Samuel Adams.
Speaker 2 (44:31):
Is that too?
Speaker 1 (44:32):
Yeah, if you looked at the rate, like this is
something we need to look into.
But if you looked let me comeback to us so people can see us
is if you looked at the ratethat that people are moving into
utah, based on any of thoseother freaking places, I
guarantee you we whooped theirass.
Speaker 3 (44:51):
Yes, we would.
Speaker 1 (44:51):
Yeah, it's amazing here I just I don't get it
neither I don't get it that'swhy I was so stoked to talk
about this, because I wassitting here looking at this,
this data and what the heck?
North Dakota I think we need toget a second opinion and North
Dakota if any of you people upthere are watching this, I'm
sorry, but come on.
(45:13):
They have to come here and see,really because Utah is fantastic
, I mean you could be downtownSalt Lake City, at all the bars,
at all the fine restaurants,all the music, the culture and
everything, and in less than ahalf an hour.
Less than 30 minutes, you canbe on a mountain skiing yeah.
Speaker 3 (45:32):
Come on and you have something to do all four seasons
.
Speaker 1 (45:35):
Same thing you can be on a hike.
Speaker 2 (45:37):
Six or seven different ski resorts.
Speaker 3 (45:40):
Yeah, within where we are yeah, but there's so many
all over the whole.
Speaker 2 (45:44):
Yeah, I'm talking about 30 minutes away from us in
salt lake.
Speaker 3 (45:47):
Yeah, it's insane.
Like people, I mean thebeautiful mountains, colorado
we've got all four seasons, Imean the.
Speaker 1 (45:54):
The fall leaves are amazing, the spring is.
I love, love, love spring justthe feeling there in the canyon.
Speaker 2 (46:00):
Oh my gosh, that's again we can.
Speaker 1 (46:02):
I can leave my house and I can be in the mountains 20
minutes yeah, I put my fly rodin my tackle fishing.
Speaker 3 (46:12):
I mean we can go on and on and I take up and I go
how many, how many?
Speaker 1 (46:15):
national parks do we have?
In utah there's a lot, yeah,countless and the people here
are fantastic yep we are amazingand they're beautiful I mean
they are, they're beautifulpeople here definitely that's
one thing when I traveled, a tonthat people always would bring
up oh you're women and actuallyyou're dudes or good looking
(46:36):
people yeah and we're educatedtake care of each other educated
great.
I mean we got BYU for cryingout loud and the U of U.
Just kidding.
Speaker 3 (46:46):
I'm glad you mentioned my team though.
Thank you.
Speaker 1 (46:51):
All right, guys, so we've yakked long enough and
anyways, really interestingstuff going on there.
Again, remind everybody if youhave not subscribed, please
subscribe, Please, please,please, please, please we need
to build it and attend ourmixers and attend our mixers
guys.
They're awesome and we say itevery time.
Yes, we hold them at bars orrestaurant-type bars, but it's.
Speaker 3 (47:15):
It's all for charity.
It's all for charity.
We're working on a quarterlynon-bar gathering, but we are.
And, if you can, they have QRcodes where you can donate to
the causes and they're Amazingguys who are outward focused,
who really do mean what they say, so, really, and you can meet
some great people.
It's networking and pushyourself to go if you're just
(47:40):
like sitting at the house.
Speaker 1 (47:40):
You're like I don't know, I don't know, I don't know
these people.
Well, now, promise, promise,you won't regret it.
No, I go up to everybody, hell,half the time I go up to
somebody that's not even comingfor our group and they end up
joining our group.
They were just showing up thereto eat or to have a bevy, yeah,
and they're like no, we're notfor well, come on so because
we're shy yeah right if you'rewith an earshot.
Speaker 2 (47:58):
You're new friends with dean that's right.
Speaker 1 (48:01):
so, uh, thank you, thank you, guys for uh us.
We appreciate it.
We love you very much and ifyou want to know more about what
we're doing, if you need, ifyou're even thinking about
buying or selling real estate,give us a shout and have a
fantastic weekend, man.
Speaker 2 (48:17):
Yeah, you guys hopefully check in with us, but
I will say this we're doingreaching out to a lot of our
clients right now and givingthem basically an update on
their current value of theirproperty.
There's a lot that's been goingon.
We've had some major pushes invalue and, whether you're using
it or not, it's a good thing tolook at on a consistent basis.
Speaker 1 (48:37):
Well, it's your biggest asset.
Normally, you need to knowwhere it's at.
You know where your stocks andbonds are at.
Speaker 2 (48:42):
Yeah, we'd love to give you an update.
I mean plain and simple.
Speaker 1 (48:45):
Yep, All righty people Love you a long time.
Have a fantastic weekend and wewill see you.
Hey, hey, hey, hey Morning y'all.
Happy Friday, baby, HappyFriday, happy happy Friday.
Welcome to Beards on the Street.
Two bearded dudes out justhanging out selling a little bit
of real estate.
Speaker 2 (00:43):
Working on a lot of real estate.
Speaker 1 (00:44):
Working on a lot of real estate and uh working on a
lot of bit of real estate,working on a lot of real estate.
So uh, aaron, how?
Speaker 2 (00:49):
was your week, buddy, it's been, uh, it's been good.
Uh activated a new listing inin uh, layton, yeah, and uh
closed on one.
Yeah, layton, layton, layton,it's.
It's a great property though.
It's 2,300 square feet.
It's on the east side, up onthe east bench of the Layton
(01:09):
area.
There it's where I used to live.
Yeah, I know, 25 years, baby.
2110, antelope Drive, shut up.
Yeah.
Speaker 1 (01:18):
My address there was 2436 North, 2300 East, so I was
one block off of Antelope.
So there's a grade school rightthere, by where you're at.
It's called Sarah Jane AdamsElementary, where all my kids
went to grade school.
If you're headed east and youpass that school and you hang at
the first right and then thesecond left, you're in my
(01:42):
cul-de-sac man dude, likeliterally right there I actually
I love the name.
Speaker 2 (01:47):
Um, so the, the moors they've been there for a long
time.
Um more, yeah, jan and ronmoore, don't know.
Yeah, they're a great couple,but we were able to help them
find a place over in syracuse,so it's helping them kind of
transition.
Going from the east side to thewest side and they're going
from multi-level to a Rambler,which is, you know, Way better.
(02:09):
Yeah, it's a plan for them.
They're just a kind of nextlevel, next stage of life type
thing.
Speaker 1 (02:14):
Yeah, and then I used to live in that neighborhood,
that's down by where they were Ilived on.
Can't remember the street, butbefore I lived there I was
actually renting a house down alittle bit further to the west,
which is right by where they are.
Speaker 2 (02:28):
Wow, dude.
Yeah, I love the area.
It's funny.
Yeah, that's cool yeah good oldstomping grounds back in the
day that's beautiful.
Speaker 1 (02:33):
Yeah, I terrorized that whole neighborhood for a
minute, All righty, all righty.
Well, welcome guys.
We appreciate you taking thetime to listen to our podcast or
watch it live, whatever, andhowever you're doing it.
Thank you, we do.
We appreciate it big time andour subscriptions are growing,
(02:55):
but we want more, absolutely.
We want, want, want, want more.
So please, if you have not,jump on our YouTube and
subscribe it's so easy Go toyour YouTube, type in Beards on
the Street and hit the subscribebutton.
We'd love it, you guys.
Speaker 2 (03:10):
It really helps us.
Speaker 1 (03:10):
And check out our.
We've had some great episodes.
Speaker 2 (03:13):
Yeah, we're having a lot of fun with it.
Speaker 1 (03:14):
Yeah, we are All right.
I want to introduce reallyquick because you haven't seen
her yet, but we have a guest inthe studio today, miss Jen
Wright, my, my sister fromanother mother, and, anyways, I
just want to welcome you, jen,to beards on the street, episode
(03:40):
4-0 yep, I've known Jen a long,long, long, long time 2008.
Wow, hasn't been that long 2008.
Speaker 3 (03:49):
Wow, Time flies when we're not man.
Speaker 1 (03:50):
I really hang on to people, don't?
Speaker 3 (03:51):
I, you do.
Speaker 1 (03:52):
That speaks to something, or maybe they hang on
to me.
It shocks me.
Speaker 2 (03:55):
The good ones stick around.
It shocks me, the people thatlike you.
Speaker 1 (04:02):
I know you, I know it's weird.
I mean, come on, what's thereto like, right?
so much right so anyways yeah,well, I like to have fun we do,
yeah, for sure I may, I may beslowing down just a little bit,
but not a lot no my wife justkeeps digging her heels in and
trying to jump and she's got thefreaking nose rings and
(04:23):
everything with her heels dug intrying to jump and she's got
the freaking nose rings andeverything with her heels dug in
trying to hold me back, baby,or not hold me back, but slow me
down, that's not going tohappen.
Speaker 3 (04:33):
You'll never mature just like that.
Speaker 1 (04:34):
She is some kind of woman.
Speaker 3 (04:36):
She is, you've got to look good when they're so
welcome.
Speaker 1 (04:40):
Welcome, Jen.
Is mortgage with Nexa MortgageCorrect?
What's the name of yourorganization again?
Speaker 3 (04:49):
My company is Loans Done Right, powered by Nexa.
Speaker 1 (04:52):
Her last name is Wright Makes sense.
That's pretty good.
Speaker 3 (04:57):
Yeah, Loans Done Right.
Speaker 2 (04:58):
Right, that is awesome.
Speaker 3 (04:59):
It's catchy.
It is catchy.
You'll remember it from now on,right.
Speaker 2 (05:01):
It is catchy.
Speaker 3 (05:03):
Miss Wright Lo on Right.
It is catchy, Miss Wright Lone.
Speaker 1 (05:04):
Stone Wright, miss Wright, you know what's crazy is
my stepkids, licia's son's,last name is Wright.
Speaker 3 (05:11):
Oh really.
Speaker 1 (05:12):
Yeah, spelled exactly the same way.
Speaker 3 (05:14):
I wonder if we're related.
Speaker 1 (05:16):
Possibly, huh.
Their dad's name is Billy orWilliam.
Speaker 3 (05:19):
We'll have to look that up.
Speaker 2 (05:26):
Yeah, look that up yeah, let's see, I don't know.
But yeah, they're world, yeah,we're family in another way
maybe.
Speaker 1 (05:29):
Well, I told you, yeah, I told you totally no
accidents so, uh, yeah, guys, Imean this last week we had, uh
we had some some good thingsgoing on.
I mean we're into the new year.
Uh, this is kind of like thefirst full week of of rocking
and rolling into the into thenew year.
Uh, this is kind of like thefirst full week of of rocking
and rolling into the into thenew year.
Um man, I'm excited.
(05:49):
I'm excited about our team dude.
I'm excited about what we havegoing on.
Uh, we've got going on there.
Yeah, we've got, uh, new peoplewe're interviewing.
Uh, so I might as well plug inright now if you are a real
estate agent and you areconsidering either changing
teams or going to a team orwhatever it looks like.
Speaker 2 (06:12):
This is the time of year where people tend to take a
look and kind of do some of themoving around and we would love
to talk to you.
Our program is completelydifferent than I think anything
I've ever seen absolutelyanything we've ever seen.
Speaker 1 (06:25):
I would agree and it works, and it's step by step.
You, whether you've been in theindustry for years or whether
you're brand new, it doesn'tmatter, yep so this is the way
to learn this.
So, if you're brand new, thisis the way to oh yeah, and even
if you're not, aaron, I meanlet's, that's dude.
25 years in the industry andlook what you're learning.
Speaker 2 (06:45):
Yeah, it's a whole new game, for sure, and it's fun
and it's the fun time it is.
Speaker 1 (06:51):
And your shit is starting to rock and roll.
Way to go, brother.
It's fun, I love it.
Speaker 2 (06:58):
I'm having fun because it's serving people so
it really is.
It is being cool, so it reallyis being cool.
I'm really enjoying where we'regoing Nice.
Speaker 1 (07:10):
You know, yesterday I think it was something popped
up on my phone and it was somecrazy stats that I can't wait to
talk about.
It's basically they're ratingthe number one place to live
down the line to 1 to 50 in theUnited States, and it's based on
a bunch of crazy stuff thatwe're going to talk about.
But I'm chomping at the bitbecause I don't agree with some
(07:36):
of the stuff they got in there.
Really, yeah.
Speaker 3 (07:38):
Where do they get their information from Right?
Speaker 1 (07:40):
So we're going to chat about that here in a minute
.
We're going to talk more withJen about what she's got going
on and some of the programs thatshe's got.
Before we get into all that,last night was our January mixer
.
Again, guys, if you're notparticipating in our mixers,
just let us know.
I mean, I know I've got 300people on my list that I'm
(08:04):
reaching out to on a regularbasis and I wouldn't care if it
was a thousand.
Speaker 2 (08:08):
Yeah, it really is a come one, come all, come, enjoy.
We're kind of building a tribeand it's really it's a monthly
gathering of a lot of greatpeople and for you, agents out
there.
Speaker 1 (08:22):
We had a number of agents there last night that
Brandon was there, sean wasthere, jen was there.
You know what, guys, with ourprogram there is no competition,
none.
It's such an amazing programthat builds camaraderie and it
builds community and, like Aaronsaid, tribe.
(08:44):
So if you are an agent and youwant to tap into our mixers,
bring it.
We would love to have you tapinto it.
It's totally just a platform tonetwork with really cool people
.
And, man, I met some coolfreaking dudes last night bud,
yeah.
Speaker 2 (09:03):
So I've been 25 years in the business.
When I started I worked for myfamily and it was a small
brokerage and it was about 11 or12 years into my career before
I came and actually wasintroduced to the big brokerage
and the social part of realestate Right, and this is a
whole new level.
I mean, if you're an agent andyou're a Lone Ranger and you're
(09:26):
at home and you don't have thecommunity, you don't have some
of that kind of support.
We want to teach you how toactually build and grow that.
Yes, what's fun about whatwe're doing is my 50 compliments
, your 50 compliments, shauna's50, travis and everybody comes
together and as it grows, it'sit's, it's building the
(09:48):
community, but it's it's, it'smultiplying the fun it is
multiplying the it really is andit's, and it's strengthening
you know me, the more themerrier.
Speaker 3 (09:56):
Oh yeah, that gives me more people to chat with.
I love it.
There's more to go around there.
Speaker 2 (10:01):
Well there is the friend you're dude.
I've said this a hundred times,but but your friends are
amazing man.
Speaker 1 (10:06):
Thank you.
Speaker 2 (10:08):
And I love mine, but I'm really getting to really
enjoy your.
You have a tight group ofpeople that keep showing up for
you.
Speaker 1 (10:15):
You know what I really do and I love them and
they're a big, big, big part ofmy life, for sure.
You know, i've've always been,since I was a kid, I've always
been had to have friends andthey were very, very important
to me.
You know, like my, my, myoldest friend that I had since I
can remember his name's brentforbush.
(10:37):
I mean, he lives two miles fromme and and we're still best of
friends.
That is cool, cool, yeah, yeah.
Matter of fact, I was talkingto, uh, uh, a seller of a house
that I have clients undercontract with them and they
actually live in the same citythat that he was living in,
which is Iona, idaho.
Iona yeah, random, yeah,totally random.
Speaker 2 (11:06):
And his parents own the six 12 food store in Iona,
Idaho.
Speaker 1 (11:07):
That's awesome.
By the very first time I methim, he was sleeping out on his
front lawn and I just barelymoved in.
We showed up and I went upthere and just sat down and
started bullshitting with him.
Isn't that weird?
No, that's cool.
Speaker 2 (11:16):
That's so mean I think I was in the fourth grade.
I was going to say how old wereyou?
Speaker 1 (11:24):
I was in the fourth grade was he hung over?
Speaker 2 (11:26):
no, he was just no, it was just.
Speaker 1 (11:28):
That's what you did in malad.
You'd sleep out on the tramp orout on the lawn and I sleep
over I grew up doing that backthen yeah, yeah, I grew up doing
it too, yeah, trampoline so Ijust saw him out there and went
over and sat down and, yeah,just made friends, yeah.
Speaker 2 (11:42):
Bullshit.
Just make friends.
That's so cool, dude, heyfriend.
Speaker 3 (11:46):
Hey friend, 50 years later, here we are.
I'm Bear Dean.
Speaker 2 (11:51):
Yep, that's cool.
Speaker 1 (11:52):
So again back to the mixers guys.
Here I'll throw up some funshots.
This one right here.
I love Shauna's face in thisone.
Isn't that cool, so Shaunathere you go.
Speaker 3 (12:04):
That's Brandon.
Speaker 2 (12:05):
She's listening to Brandon talk and tell stories
and she's like whatever,whatever.
Speaker 1 (12:11):
And this guy is, I believe, a mortgage guy that
she's been chatting with.
Oh, cool, and that's our buddy,mr Brett.
Yes, mr Brett, I heard that man.
He's looking good.
That dude's awesome.
He brought his wife last nightI heard that.
Buddy man.
All right, let's keep it goinghere.
What we got here, if I can hitthe button oh hey, that's me and
(12:32):
Mr CB and Mr Travis.
Now, the dude on my left withthe big long beard was such a
cool cat, jason Gamblin, nope.
Speaker 2 (12:42):
No, beard was such a cool cat, jason gambling Nope,
nope, nope, you sure.
Speaker 1 (12:46):
No, that's, that's Travis.
That's not Jason, but the guynext to me, his name is Rob and
he was there with Travis andjust a freaking cool I mean, the
dude rides motorcycles, he hasthe, the, the cars he and we
were talking about some of hisbuddies and they just get
together and build shit in theirgarage.
(13:06):
That's cool.
Speaker 2 (13:07):
I mean, I was like dude.
Speaker 3 (13:08):
Yeah, man cave stuff yeah.
Speaker 1 (13:10):
I'm like hurry up and get me in that circle so I can
get my rat rod over there.
Speaker 2 (13:14):
I have a couple things we need to tweak, yeah,
tweak, no kidding.
Speaker 1 (13:19):
Yeah, man, I mean there's Cynthia and Drew the
cowboy the Wyoming cowboy wecall him, and there's your boy,
jason, that I'm going to get himon my top 50.
Speaker 2 (13:33):
Jason, I'm coming after you.
Speaker 1 (13:36):
You tell Mr man over there to pound sand.
Speaker 2 (13:40):
He would laughing, he would, he would you watch?
Speaker 3 (13:43):
That's awesome.
Speaker 1 (13:45):
Better protect.
You watch that's awesome.
Better protect After I saidthere's no competition.
Right, right, my 50 somehow isall over his 50, so Right, okay,
so let's jump right into thisand let's chit-chat with Jen
about some of the programs thatshe's got available.
Okay, jen, let me throw up acouple things.
(14:08):
So the very first thing is justyour business card, just so
people can see it and see yourlovely face and they can have
access to that if they needaccess to that.
First slide we got up is theDPA Advantage.
Speaker 3 (14:24):
So there are so many options for people that need
assistance with down paymentassistance.
Speaker 1 (14:30):
Okay, so DPA down payment assistance.
Speaker 3 (14:32):
Yes and there are grants and there are loans.
So when you're out therelooking, and if you're not using
me as your lender, please besure to clarify with them is it
repayable, do you repay the loan?
Is it repayable, do you repaythe loan, or is it forgivable?
(14:52):
And there's a big differenceand there's multiple programs
out there right now, some evencities like West Valley and
Ogden, and grants all over theplace for different locations
have different options for you.
So please ask for that.
Now know that your down paymentassistance if you have to repay
that, it does count towardsyour debt to income ratio.
So it changes what you canqualify for it does change the
(15:14):
way you qualify, and those willbe changing.
So make sure you talk to yourlender or me about the different
options.
Speaker 1 (15:22):
Is that something that we're working with?
Speaker 3 (15:23):
on Megan on her deal we are, I figured Yep, and I
want to get her the forgivableone, yep.
Speaker 1 (15:28):
Yeah yeah, Jen brought me a client and thank
you very much.
You're very welcome, VIP50.
Speaker 3 (15:33):
Anytime my buddy.
Speaker 1 (15:36):
Okay, talk about this .
Rental loans for investors.
Speaker 3 (15:39):
Okay.
So for investment properties andyou're going to hold them and
use them as rentals, there areoptions out there for you to get
money and you can come througha lender like myself and we go
to our private money lenders aswell as our hard money lenders
and some of our lenders haveamazing programs, even up like
(16:02):
12% interest, with a point infront, point in the back and 12
months lending time, noprepayment penalties.
They have really amazing limitsthat they can use and sometimes
our lenders also have somedeferment on payments, so you
(16:25):
don't have to make a payment forthe first few months and then
you start if it's going to be alonger project.
So that helps a lot of theinvestors who have to put some
skin in the game and whilethey're doing their fix and
flips or they're doing theirrehabs to do the buy and holds,
they can save that money so thatthey can put that into their
(16:46):
investment property or go outand get some others.
And so by utilizing the rightreal estate agent, like Aaron
and Perry, they can find youreally great off-market
properties as well as somereally good leads that they have
on the MLS, and then you bringthem to me and we work on if
you're buying it correctly forthe right price.
What is your exit strategy?
(17:06):
What are all of your holdingcosts?
What are all these things thatare going to come into play when
you're buying a property sothat your rate of return and
your cash flow from yourinvestments really makes sense?
Speaker 2 (17:19):
Love it, love it Love it, love it.
Speaker 3 (17:21):
Yeah, it's awesome.
Speaker 1 (17:22):
Debt service cover ratio.
Speaker 3 (17:24):
So, after you've done your investment and you
purchase it, then you rehab itand you're going to hold that
property for investing and forcash flow the DSCR, which stands
for debt service coverage ratio.
That basically means that youdon't need anything else to
qualify for that loantechnically, except for the
(17:47):
rents that you're going tocharge.
Speaker 2 (17:50):
Paul Matzko Jr.
Qualify for the rent JenniferLawrence Jr.
Speaker 3 (17:52):
Yep, and that qualifies you for that loan, and
there's a lot of things that gointo it.
Some of our investors have cometo us after they've bought
wrong or they've spent too muchmoney or they didn't really-.
Speaker 1 (18:01):
Paul Matz didn't really Happens all the time.
Speaker 3 (18:03):
Yep Check into the market of where they're
investing and they're not ableto sell it.
So they think they're going tosell it as their exit strategy.
But then they have to come inand now they're renting it Right
, and so there's somestipulations on how long you
have that property once you'vefinished your rehab before you
can come in and refinance out ofyour hard money loan into that
(18:28):
debt service coverage ratio.
So please check with yourlenders on the specifics of that
before you buy your propertiesso we can advise you as your
financial advisor.
Speaker 2 (18:37):
Love it, love it, love it.
What typically is the?
Uh, is there a?
Is there a hard kind of a rulearound that?
The timeframe?
Speaker 3 (18:44):
for DSCRs.
Speaker 2 (18:44):
Yeah, yeah, usually I mean it's basically and it's
governed by time.
On title, it sounds likeCorrect, okay.
Speaker 3 (18:52):
Yeah, so from the time that you purchase it until
you're done with your rehab,there are some lenders out there
that will let you do threemonths after.
Speaker 2 (19:02):
Okay, 90 days Three months.
Speaker 3 (19:04):
But their qualifications for that are a
little bit different.
They're going to go on likeactual receipts and what you've
actually spent for the remodel.
Or there's a six-monthseasoning where after you've
owned the property for sixmonths and you're renting it
things like that then they'll do100% of the ARV based on
appraisal Okay.
So there are some in-betweensand those are very important
(19:27):
things to know before you go outand buy your property.
Speaker 2 (19:30):
Sounds familiar, like almost like the FHA
qualifications.
Yes, right, okay.
Speaker 3 (19:35):
Similar but different , because you're only using what
you're getting for rent.
Yeah, and there's differentratios, like a 1% ratio, if
you're above 1%, up to 5%, ifyou're below 1% down to 7.5%.
All of those will havedifferent interest rates and
different LTVs and rate ofreturns.
All those things are going tobe a little bit different.
Speaker 2 (19:56):
Meeting with you and understanding all that up front
and having a plan is important.
Speaker 1 (19:59):
Yeah, because the next one is hard money.
Speaker 3 (20:01):
Hard money.
So using other people's moneywhen you're an investor is
really important, and so, beingan investor myself, as well as a
mortgage broker, people come tome a lot Like right now I'm
currently working with a clientwho does a lot of investments
and in order for them to besuccessful, they have really
(20:24):
mastered other people's money,and that is hard money lenders,
private money lenders, et ceteraso hard money.
What that means is that you'regetting a company or someone to
give you money for yourinvestment, but they're not
giving it to you.
I guess that's the wrong thing.
Speaker 1 (20:44):
They are loaning it to you for a very high interest
rate.
Yes, usually.
Speaker 3 (20:48):
Usually.
Now, like I was mentioningbefore earlier, I've got lenders
that will rent a loan anywherebetween 10 to 14 percent, what
usually charging two points andpoints means.
So if it's one point it meansone percent of the loan.
Two points would be two percentof the loan.
Sometimes they'll have you paythat two percent upfront at the
(21:09):
very beginning, or they'll haveyou paid at the end but this at
the very beginning or they'llhave you pay it at the end.
But this way you're not usingyour own money and they're
charging you for that becausethey're going to be making some
money on the end.
And then you're freeing up whatcapital you have of your own so
that you can be more liquid,and then afterwards then you
refinance out those hard monies.
(21:30):
Like it, like it or sell it, orsell it, yeah, and then
afterwards.
Speaker 1 (21:32):
Then you refinance out of those hard monies Like it
, like it, or sell it, or sellit, yeah, and then the last is
explore the non-QM.
Speaker 3 (21:38):
So non-QM is basically not a typical loan, so
it's not a conventional FHA VAUSDA.
It's something like bankstatements or ITINs or foreign
nationals or 1099 borrowers,self-employed asset depolitions.
Speaker 1 (21:58):
Non-traditional loans .
Speaker 3 (21:59):
Non-traditional loans ?
Yeah, absolutely, and a lot ofpeople don't really know which
category they should fit into.
Is it best for them, becausethey're self-employed, for them
to use just their bankstatements, or are we going to
go off of their business bankstatements because they have an
LLC, or is it going to go off oftheir personal bank statements?
And how people do their taxesand really what they write off
(22:20):
as business expenses versuskeeping as income really does
affect their loan availabilityas well.
So be sure that when you'redoing your taxes, please check
with your CPA about what yourfinancial goals are when you're
buying homes on investmentproperties, because that will
affect how that looks.
Speaker 1 (22:38):
Love it, love it.
Speaker 3 (22:40):
Man, you got a lot of programs going on over there.
I do, holy cow, I do.
Speaker 1 (22:43):
So I just put up your slide again with all your
personal information.
If any of you out there arelooking to buy any kind of real
estate and you need any of theseprograms, I mean there's a lot
First-time homebuyers, veterans,police officers, sounds like
she's got it all.
Speaker 2 (23:02):
But also on the hard money, flexible lending as well.
That's awesome.
Speaker 3 (23:08):
That's great, and if you need some great lawyers,
real estate agents obviously mytwo brothers here are fantastic.
Speaker 1 (23:18):
That's why I've worked with them for years.
Well, thank you, thank you,thank you.
Thanks for coming on the showand talking about that.
I love it, man.
That's awesome.
You know, aaron, I justfinished up my tree, you know,
aaron.
Speaker 2 (23:32):
I just finished up my tree.
Well, kind of I was in therejealous of it today looking at
it.
Speaker 1 (23:35):
So I got it popped up here.
So, guys, as you know, with ourVIP 50, we're basically taking
50 people in our sphere ofinfluence and really showing up
for them and putting in majoreffort to be a better friend.
I don't know how else to put itother than that Like a hyper
(23:57):
plug-in right, yeah.
And so one of the tools that Iwanted that I came up with is
this tree based on our VIPfamily, and at a glance I can
just look up at my tree and seeeverybody that's on there, and
it's just forefront of mind forme.
Speaker 2 (24:17):
It's a, it's a representation, because it's the
, it's the tree of life, andit's your life, it's your
lifeblood.
Right yeah, that relationship'sthat important it is that
important.
Speaker 1 (24:26):
So I just wanted to kind of show off and let you
guys know'm looking at you everysingle day and, uh, thinking
about you every single day.
For sure, that's awesome.
Speaker 3 (24:34):
So we love you bro yeah, love my tree.
Speaker 1 (24:37):
I think it turned out fantastic.
I did all righty.
So, uh, book club every morningwe read at 9 am.
If anybody wants to join us,you can either call in and uh
and listen up or show up.
Yeah, come visit, we'd lovethat.
We look in person's always waybetter, you know.
But if, uh, if you do startjoining us and there is a time
(25:00):
and you don't want to miss whichwhich has happened to me, you
know call in and we'll figure itout.
So we're reading a great bookright now too.
I mean, it's got a lot of wordsin it.
Change your thinking, changeyour life.
Speaker 2 (25:15):
It's like.
Every page, though, hassomething that's profound.
Speaker 3 (25:18):
Like a golden nugget.
Speaker 2 (25:19):
It is oh yeah.
Speaker 1 (25:23):
A lot of really, really good messages in this
book.
The way you think is everything.
It is how.
Speaker 2 (25:29):
It is everything it skews and it impacts every
situation is the way you view itand how you're thinking about
it.
Speaker 1 (25:36):
Everything Like what you're going to eat for dinner.
Seriously, I mean, it's how youfeel about dinner Right.
How you feel about who you'rehaving dinner with.
Speaker 2 (25:49):
Right.
Speaker 1 (25:49):
Yeah.
Speaker 2 (25:50):
Right.
Speaker 1 (25:51):
Absolutely, especially if you're eating it
by yourself.
Speaker 3 (25:54):
Yep, amen, that's me.
Speaker 2 (25:56):
Who's making you dinner and bringing it in as
leftovers, and you know, yeah.
What's weird is why am I theone gaining weight?
No kidding what the hell isgoing on.
You're the one.
You have it at home.
I just get the Biproc leftovers.
Aaron, push away.
Speaker 1 (26:14):
Betty, push away, push away.
Speaker 2 (26:17):
All right, it's so good, but it's so good, it's so
good you can't help yourself.
Speaker 1 (26:22):
And then he's done.
He's like oh, I ate too much,I'm so fat.
Speaker 2 (26:27):
Who the hell makes cakes, cakes.
Speaker 1 (26:30):
Dude, I bring it in all the time and share, and you
know what?
Speaker 2 (26:34):
Because of you.
Speaker 1 (26:35):
I get my ass yelled at all the time.
Why didn't you take those into,aaron?
Speaker 2 (26:41):
I'm just grateful.
That's why I get so much of it.
Speaker 1 (26:44):
Literally two nights ago, licia walked over the
garbage can and threw out thesechicken.
Cordon bleus Threw them in thegarbage.
She's like why did you not takethose into air?
I'm so sick and tired ofwasting food.
Oh my gosh.
Speaker 2 (26:59):
She started buying my baby.
Speaker 1 (27:01):
I ate them twice.
That's a stretch for me.
I ate it twice.
That is a stretch for you.
Speaker 3 (27:07):
You're not a leftover guy.
Speaker 1 (27:09):
Not really, Dean.
Do you know why?
Speaker 2 (27:11):
I love her coral blue , bro, I know.
Speaker 1 (27:15):
Come on.
Sorry, I leave in the morningand I'm not thinking about you
feeding me.
Speaker 2 (27:20):
Isn't that one of Graham's favorites?
Probably.
Speaker 3 (27:23):
Stick her on your fridge or something when he had
his surgery.
Speaker 2 (27:25):
I think she made that .
Speaker 1 (27:27):
I'm going to have a big sign on my freaking fridge.
Remember Aaron, feed Aaron,feed Aaron.
Speaker 3 (27:36):
You got a growing boy at the office.
He's your kid.
Speaker 1 (27:42):
It's like your kid dude, you know that's definitely
Lacey's love language isService and food.
Speaker 2 (27:49):
When I come over and hang out and she doesn't leave
the kitchen, she just keepsgoing.
I know she just keeps going.
Speaker 1 (27:54):
I'm just like all the time, baby, get your butt over
here and sit down.
Sit by me, geez.
Yeah, she wants to serve.
We don't have to make Aaron'sfive meals for the week.
She's milk prepping too.
Aaron can do his own damn foodprep.
Speaker 3 (28:09):
She's milk ripping.
Speaker 2 (28:12):
I do chicken and rice , so when I get something
special it's coming from theirhouse.
Speaker 3 (28:17):
Okay, I want to be your kid now too.
Yeah, no kidding.
Speaker 1 (28:20):
She's an amazing, freaking cook and she thinks she
says all the time you don'tlike anything I make.
And I'm like what are youtalking about?
I eat everything.
She just makes too much.
You know, know, it's hardbecause when I still have that
problem, because you know meraising all my kids, my five
kids, and then I always had thewhole neighborhood at my house,
so I mean, when I cooked, Icooked lots, yep, and that was
(28:42):
the hardest thing to cut backone of my favorite things about
our concert nights is eatingafter is the nachos at your
house, after your counter,counter.
Speaker 2 (28:51):
They are good, seriously.
He just busts it out.
He's like oh, I got this, let'sadd that, let's go.
Speaker 1 (28:58):
That or quesadillas.
Speaker 2 (29:01):
And fresh bread.
So you make a mean sandwich too.
Speaker 1 (29:06):
I make good quesadillas.
Speaker 3 (29:08):
Do you have starts like from sourdough?
Speaker 1 (29:10):
She does, alicia does , licia does, wow, yes, but we
buy most of our bread atHarmon's.
I'll be honest with you, it'snot like we're baking the bread
she does and we haven't had itfor a minute.
There was a friendship bread,the Amish bread.
The Amish bread, oh man.
It's really good, but I gettired of it.
Speaker 2 (29:28):
She figured out, she started adding caramel to it.
Yeah, like the little caramelnuggets, the toffee nuggets I'm
the one that started that.
Speaker 3 (29:37):
Toffee, it's just like feta.
Feta can go on everything.
I agree, feta.
Speaker 1 (29:42):
Like everything it does and Havarti Eggs.
Speaker 3 (29:44):
Oh, I love it.
Sandwiches Brie salad salad a,what a quat quesadilla oh okay,
because I was like quasadillas.
Speaker 1 (29:55):
Oh hey, we started, uh uh, taking spanish lessons.
Speaker 2 (29:59):
I was actually gonna say so after our reading, if you
do decide to come in, you cando some spanish.
Speaker 1 (30:04):
Every morning we're starting to learn spanish, okay,
and and the bottom line is isis.
I went to Mexico and I mean youpick up on some words, but and
Aaron picked up a client thatwas Spanish only speaking and
it's like, okay, we need to stepup.
Speaker 3 (30:21):
Yeah, I had to turn away two Spanish clients last
week.
Speaker 1 (30:25):
Well, don't do that Never again.
Don't turn them away.
Just bring them here and we'lltake care of them.
Speaker 3 (30:30):
No, no, I Don't turn them away.
Just bring them here and we'lltake care of them.
Speaker 1 (30:32):
No, no, I mean they already had an agent, though, oh
, as a lender.
Speaker 2 (30:34):
I turned them away to one of my associates.
I have a buddy, who's awesome.
We do have a buddy.
You have somebody that you got.
Okay, yeah, all right, but Ineed to learn Spanish.
Speaker 3 (30:41):
You would think that my late husband spoke.
Speaker 1 (30:42):
Spanish.
Hopefully you got a referral.
Hey, our time is worth.
It is worth it.
Speaker 2 (30:50):
Building that relationship and the connection
and the opportunities weresomething for sure.
Speaker 1 (30:54):
Sure it is Absolutely .
Speaker 3 (30:55):
And they're grateful when we say you know what?
I might not be able to help youwith that, but I know someone
who can.
Let me find out.
Speaker 1 (31:02):
Exactly that's what we do.
Speaker 3 (31:04):
And I was meeting with Stephanie Sumay this
morning and we were talkingabout that that she and I are
connectors this morning and wewere talking about that that she
and I are connectors and weknow a lot of people and people
come to us a lot of times hey,do you know someone?
Hey, do you know this?
Hey, do you know someone whodoes that?
And if we don't, we'll say Iknow someone who might know
someone.
And then we just make thatconnection.
Speaker 1 (31:23):
Let's talk about this .
We have on our website,luxuryrealtyagencycom, a
business directory.
I love that that we add to allthe time and it is exactly based
on what you were just talkingabout If somebody needs a sheet
rocker, or if somebody needs apainter, or if somebody needs
(31:43):
mortgage, or whatever it is.
Hvac electrician we havemechanics, yeah, everything.
It's a great resource.
I've used people from there,yeah.
Speaker 3 (31:49):
Everything it's a great resource.
I've used people from there.
Speaker 1 (31:52):
Yeah.
Speaker 3 (31:52):
And I send people there.
It's great.
Speaker 1 (31:54):
Great resource.
Speaker 3 (31:55):
Yeah, it's wonderful Okay.
Speaker 1 (31:57):
Let's get in and talk about this.
Okay, All right.
So WalletHub I've never heardof them until now, but
apparently they do these surveysand whatnot.
So, like I said, they'retalking about the best places to
live in the United States andit's based on a number of
different categories.
(32:17):
So, Utah when do you think Utahlanded on that?
Speaker 3 (32:21):
Three.
Speaker 2 (32:22):
Five Higher.
Speaker 3 (32:24):
One Ten, the other way Two.
Speaker 2 (32:27):
Ten, keep going.
Speaker 3 (32:29):
Oh, you mean lower.
Speaker 2 (32:29):
Fifteen, fifteen, fifteen, fifteen, fifteen, wow,
fifteen.
Speaker 1 (32:33):
Yep.
Speaker 3 (32:33):
Okay, Is Austin Texas above.
Speaker 1 (32:36):
And I don't agree with it.
I don't either.
You ready for this, mm-hmm?
And this is by the state.
Guess what?
Number two is what?
North Dakota, what, what thef***.
Would you want to live in NorthDakota for Can?
Speaker 2 (32:51):
you imagine this time of year, no Cost of living I
have friends that do oiltrucking through there in the
Dakotas.
And it is like no man's land.
Speaker 1 (33:01):
My brother lived at Minot, the only people that live
in North Dakota are people thatare in the oil industry.
Literally, I've been in everysingle state in the United
States except North Dakota.
I've been in every single statein the united states except
north dakota.
I've been to north dakota and Idon't even care.
Yeah, what the number two.
Speaker 2 (33:21):
He's so controlled himself.
Speaker 1 (33:22):
It's amazing number two on the list.
Are you kidding me?
Uh, is it cost of living orsomething?
Okay, let's, let's talk aboutthis.
Okay, so this slide is childcare costs.
That's one of the categories onchild care costs that they're
having, and they're saying thatSouth Dakota is the number one
(33:44):
place for child care Mostaffordable child care.
Well, of course, that's a given.
Nobody wants to live up there.
There's no industry other thanoil and gas and children.
Speaker 2 (33:54):
And apparently these children that are there, I don't
think you go seek out economychildcare.
Speaker 1 (33:59):
I think you'd be grossly, grossly, grossly pissed
off and not very happy if youmoved up to North Dakota for
your kids.
Speaker 3 (34:08):
When I was a physician's recruiter we had a
hard time placing in NorthDakota.
It was one of the mostchallenging places to recruit to
.
That's insane.
To me, that's insane.
Speaker 1 (34:16):
I don't understand that one Utah's number four on
that list for child care.
Speaker 2 (34:21):
Because, moms stay home.
Speaker 3 (34:24):
So the worst or?
Speaker 1 (34:25):
the highest child care.
Of course is New York, newMexico, which is weird,
interesting.
Washington, nevada and Nebraska.
Interesting, of course, is newyork, new mexico, which is weird
, interesting washington umnevada and nebraska do you have
the ability to see housing cost?
Speaker 2 (34:39):
hang on, let's keep going.
Speaker 1 (34:40):
I don't know if that is one or not, but okay, the
next one is is rating familieswith young kids okay I bet we're
way up there.
Where do you think we rankThree?
Speaker 2 (34:53):
One.
Oh, I mean not a shock, really.
Speaker 3 (34:55):
Well, I was going to go with one, but I thought that
was too easy.
Speaker 2 (34:57):
We have babies here we have kids, bro.
Speaker 1 (35:00):
Do you know what's number one?
I mean number two, Tejas.
Speaker 3 (35:04):
Texas yeah.
Speaker 1 (35:05):
Is it you ready for this?
What would you think?
Number three is Idaho.
No.
Speaker 2 (35:10):
Wyoming, nevada, california, alaska.
Speaker 3 (35:15):
Alaska.
Speaker 2 (35:16):
Yep Interesting Yep.
Speaker 1 (35:19):
They're all in Nebraska.
And guess which is number five?
North freaking Dakota.
Oh my gosh.
Speaker 3 (35:28):
This is amazing to me .
Speaker 1 (35:31):
Okay, the lowest is Vermont, Maine, Florida, Hawaii.
Speaker 2 (35:36):
Florida for sure, because, yeah, they're retiring
now.
Speaker 1 (35:39):
And West Virginia is the lowest.
Speaker 3 (35:42):
West Virginia.
Speaker 2 (35:43):
Yeah, but.
Speaker 1 (35:43):
I mean, think about it, west Virginia.
I mean there's a lot ofprofessional people.
Speaker 2 (35:48):
Yeah, a lot of politicians, yeah, yeah.
Speaker 1 (35:51):
Okay, so the next one I don of politicians yeah, yeah
, okay, so the next one I don'tget this one.
This is a category Infantmortality rate.
Oh my gosh, oh, I get that.
Speaker 3 (36:01):
What the F.
I get that.
Yeah, why would that be acategory?
Because that's a thing, itreally is a big thing, wow.
Speaker 2 (36:07):
It has to do with the hospital care probably is a big
thing.
Wow, it has to do with thehospital care, probably.
Speaker 1 (36:10):
Well, you want to know what the number one lowest
state is for mortality.
Speaker 2 (36:15):
What, where, what?
The number one?
Lowest?
Okay, utah.
Speaker 1 (36:20):
North Dakota.
Speaker 3 (36:22):
Okay, we're just going to say North Dakota.
How is North?
Speaker 1 (36:24):
Dakota the highest of kids and the lowest of
mortality.
Speaker 2 (36:30):
One of the cheapest places for child care, but it's
not safe.
Speaker 3 (36:34):
Wow.
Speaker 1 (36:35):
Yep, lowest is Vermont, and that makes sense,
yeah, massachusetts, new Jerseyand Oregon, that's top five.
The highest is South Carolina,alaska, say freeze to death
Alabama, arkansas and the veryworst is Mississippi.
Speaker 3 (36:55):
Mississippi.
Speaker 1 (36:56):
Mississippi, m-i-s-s-i-s-s-i-p-p-i, is there
a lot of poverty there there is,yeah.
Speaker 2 (37:02):
Okay, next category which I've heard a lot of around
the type of care the mothershave while they're birthing, and
things, or if they have any.
Yeah it's a major thing, right,mothers have while they're
birthing and things.
Speaker 3 (37:11):
Yeah, it's a major thing, right?
Prenatal care is very importantokay.
Speaker 1 (37:12):
Next category violent crimes per capita, and I think
the key here is per capita.
Okay, california number one.
Number one, fewest.
Okay, let's do the fewest first, so the best or the they're the
lowest, the lowest Idaho.
Speaker 3 (37:30):
North Dakota.
Speaker 1 (37:32):
Nope Way on the other side of the United States.
Speaker 2 (37:38):
Interesting Really, maine Back east.
Speaker 1 (37:39):
Maine.
Speaker 3 (37:40):
Maine, maine's beautiful, so I Okay.
Speaker 1 (37:44):
Maine.
Speaker 2 (37:44):
What's the lifestyle of half a dozen New?
Speaker 1 (37:46):
Hampshire is number two.
Speaker 2 (37:48):
Sure.
Speaker 1 (37:48):
Connecticut is number three.
So listen to all these EastCoast Rhode Island is number two
.
Sure, connecticut is numberthree.
So listen all these East Coast.
Rhode Island is number four andcheck this out.
Number five Wyoming, wyoming,wyoming.
Yeah, because-.
It's per capita, becauseWyoming is so wide, open and big
, and I think it's because ofthe per capita.
Speaker 3 (38:08):
But it's also probably the cowboy mentality
too.
Okay, you ready for the veryworst for crime.
Yep Provo.
Speaker 1 (38:14):
Utah.
Speaker 2 (38:16):
New Mexico.
Speaker 3 (38:17):
New Mexico.
Speaker 2 (38:18):
My brother lived there and you know what.
I wouldn't be surprisedactually.
Speaker 1 (38:21):
Really Tennessee Tennessee.
Speaker 2 (38:25):
Tennessee.
Speaker 1 (38:26):
Tennessee, louisiana, alabama and again Alaska.
Speaker 2 (38:33):
Why is California not in any of this stuff?
Speaker 1 (38:35):
It's per capita.
Speaker 2 (38:37):
But it's damn near its own nation.
It's so big.
Speaker 3 (38:40):
No, that's Texas.
Speaker 2 (38:42):
The populace in California.
Speaker 3 (38:44):
Texans we think we have our own state.
Okay, here we go.
Speaker 1 (38:48):
Percentage of families in poverty.
This is going to blow your mind.
Okay, this is going to blowyour mind.
Okay, this is going to blowyour mind.
Speaker 3 (38:55):
I would say somewhere in the state.
Speaker 1 (38:56):
Utah's on this list, is it?
It is, oh, that makes me sad.
Utah's on this list, soremember we're very high on
refugees.
Percentage of families inpoverty.
Okay, now we're on the lowestside of it, okay, okay.
So meaning for being on thislist it's we're high on it,
we're not high.
Speaker 3 (39:17):
We're low, we're low, but we're still on the list,
which means we need to improve.
So we're at number three.
Speaker 1 (39:21):
Oh, we need to improve.
So we're at number three, oh,for percent of families in
poverty, which blows my mindthat, oh my gosh, yeah, new
Hampshire is number one,minnesota is number two, vermont
number four and Colorado numberfive.
Now, the worst, the worststates with poverty Kentucky,
(39:43):
west Virginia, new Mexico,louisiana and Mississippi.
Speaker 2 (39:48):
West Virginia.
Speaker 1 (39:49):
Yep.
Speaker 3 (39:50):
Isn't that crazy.
I would say West Virginia forsure, because they don't have a
lot of income out there.
Speaker 1 (39:55):
I get Louisiana.
Speaker 3 (39:58):
I get Mississippi.
Speaker 1 (39:59):
And that's why they are the worst.
It's probably at the childthing too, so okay last one Okay
.
Separation and divorce rate.
Oh, Utah's up there, we're upthere.
Where do you think we are?
Speaker 3 (40:13):
Five.
Speaker 2 (40:14):
Three to five.
Speaker 1 (40:16):
We're number one on the lowest, oh, oh, what.
We're number one on the lowest,are we?
Yeah Well, the values and thechurch.
Speaker 3 (40:24):
I would have thought that because people get married
so young.
Speaker 1 (40:27):
Yes, you would think Guess what's number two, north
freaking Dakota Really, yep, wow, you would think the hard life
they live up there.
Yeah, but they probably justhave nowhere to go.
Speaker 3 (40:41):
But it is pretty in the summertime though.
Speaker 1 (40:43):
It really is nice in the good weather and the people
are so kind up there they arereally New Jersey, Hawaii and
Nebraska, so those are the oneswith the lowest divorce rate
Interesting Highest.
Speaker 2 (40:56):
What do you think is the worst?
New York, I have no idea,because High stress.
I would have thought that wouldbe New Mexico.
Speaker 3 (41:02):
Really.
Speaker 1 (41:03):
Again.
Speaker 3 (41:05):
What's going on in that state?
I have no idea.
Speaker 1 (41:07):
Something's going on in New Mexico.
Yeah, nevada, that makes sense.
Yeah sure, louisiana,mississippi, florida.
Speaker 3 (41:16):
Interesting.
Speaker 1 (41:18):
Aren't those interesting?
Yeah, that is curious.
Speaker 2 (41:20):
Yeah, way interesting .
Speaker 1 (41:21):
But again I don't get the very first one where we're
15th on this freaking list ofstates to live in.
I thought for sure we'd be inat least the top five.
I would agree.
Speaker 2 (41:32):
I'll tell you what I think.
We're number five or seven onthe best places.
Don't second homes.
Speaker 1 (41:39):
So I don't think I went through the list, the
number one place that they'resaying to live.
Speaker 3 (41:42):
Okay.
Speaker 1 (41:49):
Just had to make sure that was right, you ready, yeah
, massachusetts massachusettsnumber one I love massachusetts.
Speaker 3 (41:55):
I do too.
Speaker 1 (41:55):
I love boston I love any port city the baltimore love
it, seattle love it yeah,boston love it yeah.
Speaker 2 (42:02):
Boston love it.
I want to go visit those.
Speaker 1 (42:04):
Yeah, really cool, but Massachusetts is number one.
Speaker 3 (42:08):
And the history.
Speaker 1 (42:08):
Oh yeah, lots of history.
Speaker 3 (42:10):
North.
Speaker 1 (42:10):
Dakota is number two.
We already talked about that.
Speaker 3 (42:12):
Yeah, which is funny.
Speaker 1 (42:13):
Who knows about that one?
I don't get it.
Number three is Minnesota,minnesota.
Speaker 3 (42:19):
Minnesota.
Speaker 1 (42:19):
Minnesota.
Speaker 3 (42:21):
Did you know?
Speaker 1 (42:21):
that in Minnesota it gets so freaking cold.
And think about this IsMinnesota on the same level as
North Dakota?
Uh-huh, right that when you'redowntown Minnesota, you can walk
around the entire downtown cityand not go outside?
They have walkways through allthe buildings because it gets so
freaking cold there.
Wow, really, yep, wow, that'spretty cool.
(42:43):
They also have the largest, orused to I don't know if it's the
same, but they used to have thelargest mall.
It's called the Mall of America.
Speaker 3 (42:50):
Yeah, Mall of America .
Speaker 1 (42:52):
I've never been to it .
Speaker 2 (42:53):
It's ridiculous.
I didn't know.
Speaker 1 (42:56):
Did it survive it, if I remember right, I think it
has an amusement park in themiddle of them all.
Yes, oh my gosh, yeah, okay soMinnesota, nebraska, cornhuskers
on Farmers.
Number five this actually blowsme away.
Number five place to live, newYork.
Speaker 3 (43:14):
New York, but what part of New York?
Speaker 1 (43:15):
Just New York, it doesn't say Manhattan or
anything like that.
No, it's just New York, newYork, like New York over Utah.
No, shut the front door.
No way North Dakota over Utah.
Are you kidding me?
Speaker 2 (43:29):
Yeah.
Speaker 3 (43:29):
Utah's awesome, then it's.
Speaker 1 (43:30):
Maine, then it's New Hampshire, then it's.
Speaker 3 (43:34):
South Dakota.
It's because all of us Harleyriders go up there Once a year.
Speaker 1 (43:40):
Give me a break.
Speaker 3 (43:41):
That's enough to make the list.
Speaker 2 (43:45):
For real.
Speaker 1 (43:45):
Probably.
What does that say?
Rhode Island?
Huh, wyoming Iowa, iowa, iowais, they're saying, iowa.
You'd rather live in Iowa overUtah, utah.
Speaker 3 (43:59):
There's got to be other reasons for that.
Speaker 2 (44:02):
Yeah, I'm curious.
Speaker 1 (44:03):
Connecticut man, my eyesight's going bad.
Speaker 3 (44:07):
I just don't know as well enough.
Speaker 1 (44:10):
Washington or, excuse me, Wisconsin.
Speaker 3 (44:12):
Wisconsin and it must be the way of life and ease and
Cheese?
Speaker 2 (44:19):
I don't know something Cheese.
Speaker 1 (44:24):
Again, honestly, I don't get it, because I
guarantee you, if you looked atthe or Samuel Adams.
Speaker 2 (44:31):
Is that too?
Speaker 1 (44:32):
Yeah, if you looked at the rate, like this is
something we need to look into.
But if you looked let me comeback to us so people can see us
is if you looked at the ratethat that people are moving into
utah, based on any of thoseother freaking places, I
guarantee you we whooped theirass.
Speaker 3 (44:51):
Yes, we would.
Speaker 1 (44:51):
Yeah, it's amazing here I just I don't get it
neither I don't get it that'swhy I was so stoked to talk
about this, because I wassitting here looking at this,
this data and what the heck?
North Dakota I think we need toget a second opinion and North
Dakota if any of you people upthere are watching this, I'm
sorry, but come on.
(45:13):
They have to come here and see,really because Utah is fantastic
, I mean you could be downtownSalt Lake City, at all the bars,
at all the fine restaurants,all the music, the culture and
everything, and in less than ahalf an hour.
Less than 30 minutes, you canbe on a mountain skiing yeah.
Speaker 3 (45:32):
Come on and you have something to do all four seasons
.
Speaker 1 (45:35):
Same thing you can be on a hike.
Speaker 2 (45:37):
Six or seven different ski resorts.
Speaker 3 (45:40):
Yeah, within where we are yeah, but there's so many
all over the whole.
Speaker 2 (45:44):
Yeah, I'm talking about 30 minutes away from us in
salt lake.
Speaker 3 (45:47):
Yeah, it's insane.
Like people, I mean thebeautiful mountains, colorado
we've got all four seasons, Imean the.
Speaker 1 (45:54):
The fall leaves are amazing, the spring is.
I love, love, love spring justthe feeling there in the canyon.
Speaker 2 (46:00):
Oh my gosh, that's again we can.
Speaker 1 (46:02):
I can leave my house and I can be in the mountains 20
minutes yeah, I put my fly rodin my tackle fishing.
Speaker 3 (46:12):
I mean we can go on and on and I take up and I go
how many, how many?
Speaker 1 (46:15):
national parks do we have?
In utah there's a lot, yeah,countless and the people here
are fantastic yep we are amazingand they're beautiful I mean
they are, they're beautifulpeople here definitely that's
one thing when I traveled, a tonthat people always would bring
up oh you're women and actuallyyou're dudes or good looking
(46:36):
people yeah and we're educatedtake care of each other educated
great.
I mean we got BYU for cryingout loud and the U of U.
Just kidding.
Speaker 3 (46:46):
I'm glad you mentioned my team though.
Thank you.
Speaker 1 (46:51):
All right, guys, so we've yakked long enough and
anyways, really interestingstuff going on there.
Again, remind everybody if youhave not subscribed, please
subscribe, Please, please,please, please, please we need
to build it and attend ourmixers and attend our mixers
guys.
They're awesome and we say itevery time.
Yes, we hold them at bars orrestaurant-type bars, but it's.
Speaker 3 (47:15):
It's all for charity.
It's all for charity.
We're working on a quarterlynon-bar gathering, but we are.
And, if you can, they have QRcodes where you can donate to
the causes and they're Amazingguys who are outward focused,
who really do mean what they say, so, really, and you can meet
some great people.
It's networking and pushyourself to go if you're just
(47:40):
like sitting at the house.
Speaker 1 (47:40):
You're like I don't know, I don't know, I don't know
these people.
Well, now, promise, promise,you won't regret it.
No, I go up to everybody, hell,half the time I go up to
somebody that's not even comingfor our group and they end up
joining our group.
They were just showing up thereto eat or to have a bevy, yeah,
and they're like no, we're notfor well, come on so because
we're shy yeah right if you'rewith an earshot.
Speaker 2 (47:58):
You're new friends with dean that's right.
Speaker 1 (48:01):
so, uh, thank you, thank you, guys for uh us.
We appreciate it.
We love you very much and ifyou want to know more about what
we're doing, if you need, ifyou're even thinking about
buying or selling real estate,give us a shout and have a
fantastic weekend, man.
Speaker 2 (48:17):
Yeah, you guys hopefully check in with us, but
I will say this we're doingreaching out to a lot of our
clients right now and givingthem basically an update on
their current value of theirproperty.
There's a lot that's been goingon.
We've had some major pushes invalue and, whether you're using
it or not, it's a good thing tolook at on a consistent basis.
Speaker 1 (48:37):
Well, it's your biggest asset.
Normally, you need to knowwhere it's at.
You know where your stocks andbonds are at.
Speaker 2 (48:42):
Yeah, we'd love to give you an update.
I mean plain and simple.
Speaker 1 (48:45):
Yep, All righty people Love you a long time.
Have a fantastic weekend and wewill see you.
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