How did a simple preschool playdate turn into a lifelong friendship that celebrates community spirit and the power of dreams? Join us as we explore this journey with my dear friend Amanda, an accomplished real estate agent from Yonkers. Our conversation takes us from organizing class events with our children to reminiscing about Amanda's transition from bustling Brooklyn and the Bronx to the suburban charm of Yonkers. We reflect on the warmth of community life, contrasting the vibrancy of city living with the tranquility of suburban neighborhoods, and how these experiences have shaped our families' deep connections.
Travel with us through cherished memories as we talk about favorite spots like Honest Art and Untermyer Park, and indulge in the delightful offerings of the new Paris Baguette bakery. From nostalgic tales of the Bronx to aspirations for future adventures, we dive into the power of vision boards as tools for realizing dreams, like visiting Italy or buying that dream car. The importance of involving family, especially children, in goal-setting is a highlight, emphasizing that success is a shared journey. Tune in and get inspired to weave community, memories, and dreams into your own life tapestry.
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Episode Transcript
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Speaker 1 (00:02):
I did the thing.
We haven't done it in a longtime.
I love it.
Welcome to Suit Up With Bias,all right.
Yeah, wait, so I have to stopit, all right, sorry.
So welcome to Suit Up With Bias.
(00:23):
Today I have my lovely friendAmanda.
She is also one of my closestfriends and, yeah, tell us a
little bit about yourself,amanda.
Speaker 2 (00:33):
Well, hi everybody.
I'm Amanda.
I am a resident here at Yonkers.
I've lived in the Bronx, inWestchester County my whole life
.
I am a mother, a wife.
I am actually a real estateagent here at the Baez Real
Estate.
Funny enough, though, we didn'tmeet through Baez, through any
real estate.
We actually met through ourkids, ironically, last year.
Speaker 1 (00:55):
So we met in our kids' schools and they were
actually what in pre-K?
Speaker 2 (01:03):
Pre-K yeah, four, yeah pre-K four.
Speaker 1 (01:06):
So yeah, from there we just clicked.
I said one day we should go outand we made it a whole like
field trip and then we alldecided to take out the class
and yeah, from there we've been,you know.
Speaker 2 (01:19):
Yeah, no, definitely.
The kids are close.
We're close in general as well.
I mean the fact that we wereable to, you know, start off
with just a small play date andturn it into this big class
event.
That was amazing, like going toLegoland, going to Yardhouse,
being able to have thatliterally 15 minutes away there
at Richville was amazing for us,and you were still a realtor at
the time right.
(01:39):
Oh yeah, definitely, yeah,definitely you were elsewhere,
yeah.
Speaker 1 (01:42):
So Amanda is part of Team Bias.
She is an amazing realtor, alsomother and wife.
So, yeah, if you need any realestate assistance, Amanda is
your girl.
Appreciate it no definitelySame to you.
Speaker 2 (01:55):
You have two beautiful kids, the fact that we
were here for the big grandopening.
Speaker 1 (01:59):
I was honored to be here, yeah that was a big show,
being part of your team wasfantastic.
Speaker 2 (02:02):
Yeah, yeah, that was a big show.
Your team was fantastic.
Yeah, thank you for being here.
Oh, definitely, of course, I'mglad I am here.
No, it was definitely greatthat we are, you know, starting
off being here now in Yonkers.
Speaker 1 (02:11):
Yeah.
Speaker 2 (02:12):
But it's funny because we were talking
yesterday and we both actuallygrew up in the Bronx.
Well, we both lived a part ofour childhood in the Bronx.
Speaker 1 (02:20):
I grew up in the Bronx.
Speaker 2 (02:20):
You said you grew up in Brooklyn originally?
Speaker 1 (02:22):
No, no, I was born in Brooklyn and then my family
bought a house in the Bronx, sothen I finished growing up in
the Bronx, I guess.
Oh, I love that.
Speaker 2 (02:30):
Yeah, so, oh.
So you had a house in the Bronx.
Speaker 1 (02:33):
Yes, my parents did.
Yeah, that's crazy.
Speaker 2 (02:34):
I had the apartment life, so we have completely
different that house apartmentlifestyle, yeah, house,
apartment.
That's amazing.
You came here in Yonkers a fewyears later.
Speaker 1 (02:44):
Yeah, so well, actually after I got married,
right, so we had Levi and thenan opportunity came out here of
a home for us to buy and we tookit and, yeah, from there we've
been in Yonkers for like aboutthree years now.
Well, yeah, just three yearsbecause I had just moved in and
then Levi started in the school,in the school that they're
(03:06):
currently in now yeah, a yearafter, because he was in another
place called Yonkers Children'sChildren's.
Speaker 2 (03:14):
Center.
Yeah, I think you were tellingme yesterday how, like you, I
remember hearing from your lastpodcast how much you loved what
you had a condo before you evenhad a house.
Yeah, you did the baby steps upto your house.
Yeah, you were telling me howmuch you loved it and how like
just life kind of presenteditself in a way, especially and
ironically, you think you saidit was like what on lexi's
arrival day and everything.
Speaker 1 (03:33):
Yes, so I did love the condo a lot, just because,
like it was on the forest floorand it was easy to bring in the
groceries and everything so wealso had like a nice community
there with a lot of kids, soLevi would play and run around
and stuff and you know it wasnice to see the neighbors.
You know here it's very quiet.
Speaker 2 (03:52):
Oh yeah, no it's a nice quiet.
I don't really see.
Speaker 1 (03:55):
Yeah, I don't really see the neighbors like that.
Speaker 2 (03:57):
You know, halloween comes along, everybody's out,
yeah.
Speaker 1 (04:00):
Yeah so besides that time, but yeah so, over over
there it was like an actual likecommunity and then, like
everybody was always out,especially in the summer.
They would always like makelike we weren't supposed to, but
they would always.
Speaker 2 (04:14):
You know, yeah, no, that's the Bronx in general.
I mean both my childhood areatoo same thing.
Speaker 1 (04:18):
Bronx summer means basically everybody's outside
and having fun yeah, so I knowit's great that we have though
that our school that the kids goto, all the kids are really
connected and they're reallywell known, and that was
beautiful.
I loved it too.
I was telling you yesterdaythat that was such a good
turnout.
Yeah, I loved how you know, wemade that play date and we made
(04:39):
it for everyone and at the time,remember, they weren't doing
like the trips and stuff.
Speaker 2 (04:43):
Not yet, not yet yeah .
Speaker 1 (04:49):
So it was definitely an experience for Levi and I
feel like they still remember it, because Levi always tells me,
like you know, we went toLegoland yeah, no, kaylee does
too.
Speaker 2 (04:55):
We also did Honest Art over in Artsly when is that?
That was the little paintingshop place we went to with the
kids for right aroundValentine's Day.
We did that.
Oh yeah, we did that one, Ithink.
Oh, honest art, yes, yes,honest art, yeah, we definitely.
There's definitely a lot to doin the area.
Yes, it's a matter of takingadvantage and finding time for
everybody to get together, yeah,so let's talk about our
favorite spots here in yonkers,I know you just mentioned honest
(05:18):
art.
Speaker 1 (05:18):
That's a little bit out, but what is one of your
like go-to spots here?
Speaker 2 (05:22):
oh for me, especially when springtime hits, it's
gonna definitely be on tomorrowpark okay, that is definitely my
.
I've been taking pictures there, it's just such a beautiful
area between the greeksculptures and you have now.
They just fixed up the pool aswell.
Speaker 1 (05:37):
They're a little like well, their little water area,
you can't go in though right, no, okay.
Speaker 2 (05:41):
Back when my great grandma, my grandmother-in-law,
was her young age.
That's when they were able todo that, oh, that's awesome,
it's just such a pretty placefor scenic pictures.
People do wedding picturesthere.
It's such a gorgeous spot.
Speaker 1 (05:52):
Didn't you do your baby shower and your wedding?
Speaker 2 (05:54):
pictures Maternity pictures there and my engagement
pictures right around Christmastime.
Speaker 1 (05:58):
We did those.
Speaker 2 (05:59):
It's such a pretty place, it's great for pictures,
great for just for walks, andkind of get a zen.
It's open to the public allyear round.
Yeah, it's definitely a greatopportunity to go visit there.
If not, that one literallyright up the block is Lenore
Park.
Okay, and that's another one,I've never been.
Oh really it's so pretty.
Speaker 1 (06:15):
It's just a nice little walkway area we got to go
Definitely uh.
Speaker 2 (06:20):
Yonkers water tower.
Speaker 1 (06:21):
Yonkers water Okay.
Speaker 2 (06:23):
Nice little views of the parkway, like the uh
Palisade on the other side andeverything with the water, wow,
so it's definitely a nice walk.
We'll have to do it one day,once it gets warmer out.
Speaker 1 (06:31):
Yeah, so I know in St John's, like when you go to the
like the hospital, um, when yougo to like a river, um, that's
the river right okay.
Okay, because I have seen theriver, but I haven't actually
gone to that park.
Speaker 2 (06:47):
So oh, we're gonna have.
There's so many parks by thewater yes, yes and hastings on
the hudson yes, that's myfavorite.
Speaker 1 (06:53):
Yeah, I was gonna say that's my favorite and, I think
, one of your favorite thingsyou were talking about was uh
the paris baguette yes, we'regonna have to check out that
place.
Speaker 2 (07:01):
I think you said it was what bakery.
Speaker 1 (07:02):
Yeah, so that bakery just opened up not too long ago.
I feel like it opened up maybein September, if I'm not
mistaken.
I could be wrong.
Speaker 2 (07:11):
Don't quote me.
Speaker 1 (07:12):
Yeah, so once it opened.
I mean I just know because Levigoes to karate around there, so
we're always around CentralAvenue out here in Yonkers.
But I absolutely love ParisBaguette.
Like they make fresh sourdoughMost of their pastries, they do
(07:33):
make it fresh and the bread isalways done fresh every day.
Speaker 2 (07:35):
So if you're in Yonkers, check out Paris
Baguette for sure, especially ifyou love bread, which is my
weakness.
Speaker 1 (07:38):
And the chai.
The chai is amazing.
It's just too sugary, but it'samazing.
Speaker 2 (07:43):
Oh, you guys need to try.
It Sounds like a good thing totry.
Speaker 1 (07:46):
I definitely will have to.
Okay, yeah, so let's move onright to.
Well, we can talk a little bitmore about our childhoods, right
, yeah, definitely, yeah, thecities that we grew up with.
So how was life in the Bronxfor you?
Did you like?
What parts were you in?
Speaker 2 (08:03):
Well, I was near the Marshall Parkway area, so more
of the northern part yeahdefinitely more northern part of
the Bronx.
I definitely had a greatchildhood.
Lived in an apartment, sothat's basically I knew somebody
above me, always below me,actually lived in an apartment.
So that's basically I knewsomebody above me, always below
me.
Actually at this point now I'mstill living that apartment life
, but more of a multi-family, soit definitely helps living with
family as well nearby but youhave a yard now, so no, that's
(08:26):
definitely, especially that's ahuge thing when you live in the
Bronx, there is no yard at allat all.
Speaker 1 (08:31):
Oh my gosh, I trust me.
I I felt it in COVID timebecause even though we had a
condo, we didn't have a yard, sothat was a little bit hard.
And then, um, alex was actuallythe one that said I'm you know,
I'm tired of this condo and I'mlike I love the condo.
But he was like I'm ready forsomething else with a yard, one
that's ready to move a littlebit progress further than the
(08:54):
other ones a little bit morecomfortable, but it's always
good to be able to push eachother a little bit more yeah,
and look at you now.
You have a gorgeous house Imean, we went, I went to your
house for dinner.
Speaker 2 (09:03):
Yes, that was amazing .
Speaker 1 (09:04):
The kids got to play together enjoy themselves so I
actually cooked her a veryspanish dominican plate, which
is called biste en cebolladowith white rice, was it?
It was with white rice yes, wasit it was with white rice.
Yes, okay, yeah.
So how was it?
It was delicious, oh my gosh,reminding my childhood food Like
my mother used to make foodlike that all the time.
Speaker 2 (09:24):
Yeah so it definitely reminded my childhood being
able to just sit with you guystalk.
Speaker 1 (09:28):
It was nice.
Speaker 2 (09:29):
Like very comfortable situation.
And this was actually evenbefore I came here.
So it was great to have to havethat one on one connection with
you guys.
Speaker 1 (09:36):
Yeah, yeah, you started a little after, right
after we had that dinner.
I found it funny and Alex foundit funny Because, since Mike is
, I don't know what's theethnicity Like, what's your
ethnicity and he's European.
Speaker 2 (09:50):
I'm Puerto Rican, Italian and German.
Speaker 1 (09:51):
So when he saw the food was it a big like shock,
like culture shock?
Speaker 2 (09:54):
No, because I cook like that for him sometimes, so
he's used to having Spanish food, but not as much More.
My Italian side comes out morethan Nenner.
Speaker 1 (10:02):
Oh got it.
Got it, yeah, because you make.
She makes a lasagna fromscratch.
Yeah, that is not an easy task.
Tomato sauce.
We're talking pasta.
Speaker 2 (10:14):
Yep Fresh noodles fresh tomato sauce, everything.
Speaker 1 (10:17):
Do you make the?
Speaker 2 (10:17):
cheese, too Mozzarella.
Well, I shred everythingstraight block.
So, it's about a 13 layerlasagna.
Speaker 1 (10:23):
Yeah.
Speaker 2 (10:23):
It definitely is a juicy to me.
Speaker 1 (10:25):
I have to try it, you still haven't Did you make it
this Thanksgiving.
Speaker 2 (10:29):
No, no, I made it for Christmas.
Speaker 1 (10:30):
I definitely made it for Christmas.
Speaker 2 (10:37):
You needed to bring me some.
Don't worry, if I make one.
I'm going to make onespecifically for you guys.
Speaker 1 (10:39):
Okay, I can't wait to try it.
So can you tell us a little bitabout that story that you told
me about that lasagna?
Speaker 2 (10:44):
So you had brought it in, I guess, to work for other
people to try, and then, oh yeah, I had a potluck at work and
one of my other jobs and backwhen I was working there I
actually made this huge lasagnaand I've had coworkers who have
never either never tried lasagnaor who have had, like have had
(11:04):
it before from other people butweren't a big fan of it and
literally, when I tell you, theyhad about two to three servings
of it, because it was that good?
That's awesome?
So definitely, but don't worry,I'll definitely make one for
one of our events.
Yeah, is that good that'sawesome.
Speaker 1 (11:16):
So definitely.
But don't worry, I'lldefinitely make one for one of
our events.
Yeah, yeah, cool, all right.
Well, can't wait to try it,right, definitely.
Speaker 2 (11:21):
But you being a loan mortgage officer and everything.
Speaker 1 (11:24):
Yeah.
Speaker 2 (11:24):
You knowing about saving money how people should
be, spending their money or notspending their money, but how we
can afford to buy a home evenon like somebody like me who
wants to buy a home.
Speaker 1 (11:34):
Yeah.
Speaker 2 (11:35):
Like I want to start saving.
Kaylee's already decided myDisney savings are now my house
savings.
Oh, that's amazing.
So, now I'm curious what canpeople like me?
Speaker 1 (11:44):
do to save money.
Yeah.
Speaker 2 (11:46):
Like what's your values?
What have you learned from your?
Speaker 1 (11:49):
career, yeah, so basically my time as being a
loan officer.
I have seen a lot of differentways that people do decide to
save money, right.
So there's always the oldschool way that you know it's
basically what works best foryou, right?
So I have clients that havemoney under the mattress, you
know, and that works for them.
Speaker 2 (12:10):
I know a few people who do that.
Speaker 1 (12:11):
Yeah, yeah, no, and honestly, I used to be one of
those people you know, because,like me, working at my parents
pizzeria, I would get a lot oftips.
By the way, little Caesars isalso here in Yonkers and that is
my parents store.
Speaker 2 (12:26):
So really, yeah, it is.
Speaker 1 (12:28):
Good to know.
Yeah, yeah, I did tell MissShirley that one time.
So I love that, yeah, yeah, soI used to work there, so I've
always kind of been aroundYonkers.
Because of that, I worked herein Yonkers but, yeah, because of
that I was able to save, youknow, the extra money that I
would learned, you know it's notreally the recommended route to
go to.
So I mean, if it works for somepeople, then you know I
(12:49):
understand Other people dodecide to do the 50-30-20 rule
Right, which is, I believe, is50 for your needs, 30 for your
(13:12):
wants and 20 for your futureself.
Speaker 2 (13:15):
Yeah, I believe we were talking about that
yesterday.
Yeah, you were showing me ayour future self.
Yeah, but you were talkingabout that yesterday, yeah.
Show me a video about it.
Speaker 1 (13:19):
Yeah.
Speaker 2 (13:19):
I think I we were reading or watching about how
they were saying it's veryimportant to try to stick to
this with your income.
Yeah, kind of take log of whatyou're spending for even like a
week, yeah, just so you have abetter idea of where your
money's going, where it's goingto, yeah, and then you're able
to figure out how much you canreally save yes, because
everybody's situation isdifferent.
(13:39):
So, without a doubt, I mean well, how impossible is it for
somebody to like for me if I'mthinking I have to have 700
credit score and have like 50000 in the bank?
Speaker 1 (13:49):
no, I mean, you know what.
It really depends on what youwant to buy, right?
Um?
So if you want to buy,obviously, a single family home,
that's maybe half a milliondollars, like you know, or even
more penny in that bank, yeahyou do need.
you do need more than I'm gonnasay.
I'm gonna just give an estimate, right, twenty thousand, right.
(14:11):
So because you have to keep inmind there's a five percent here
in New York, closing cost fees.
That's not everywhere, though,like in Connecticut, it's
cheaper, yeah, and then Jerseyis another amount you know so if
you want to buy here in NewYork, it's definitely 5.
You have to keep in mind youneed 5% of the purchase price
(14:32):
that you're looking into.
Okay, so that's just forclosing costs.
Now the down payment, right.
When you're looking into Okay,so that's just for closing costs
.
Now the down payment right.
When you're going FHA, if youdo qualify going FHA-ly, you are
allowed to put a 3.5% down.
That's the minimum you can putand then in going conventional,
you can do 3% as well.
Speaker 2 (14:51):
But it really depends , right, if you could do the
mortgage yeah.
Speaker 1 (14:53):
You could, if you like.
Let's say, if you want to pay acertain amount right of a
monthly mortgage you want to get, if you have a particular
bracket and it's over putting a3.5 percent down, if it's too
high for you, then maybeconsider putting a five percent
down.
You know more you put in what'slower the rate, the lower the
monthly payment yes, that makessense.
Speaker 2 (15:14):
Yeah, all right.
Well, I definitely want to talkmore about that with you in a
different podcast, because I'msure there is so much deeper, we
can go yeah with that betweendown payments, credits, cases,
different things like that, howthey all come into play together
.
Yeah, because everybody's.
Speaker 1 (15:27):
Like I said, everybody's.
Um scenario is different.
So if you think that you need a700 credit score, that's not
true.
You know we're able to do loansfor up to 500 FICO score.
So you know, obviously therates aren't favorable.
But you know it is possible,yeah, it is possible, so it
really depends on what you wantto buy as well.
Speaker 2 (15:48):
Okay, that's good to know.
So, for right now, what wouldyou say for the everyday working
person?
Speaker 1 (15:54):
that wants to save money, yeah definitely.
Speaker 2 (15:56):
What would you suggest that we could do, little
by little, to work towards thathouse goal?
Speaker 1 (16:00):
So, going back to the 50-30-20 rule, right, the 20.
Bump it up a little bit to 25,or bump it up as much as you can
.
You know the things that foryour future self.
So, the 20, the 20 that wassupposed to be for your future
self, just bump it up a littlebit more and see if you can
(16:21):
reach your goal faster than whatyou think you know.
Speaker 2 (16:23):
Oh, that's good to know.
Yeah, no, definitely somethingI'll have to work to.
Speaker 1 (16:26):
Yeah, I know, saving is not easy, you know but it's
worth it.
It is, and you'll definitelysee your hard work and your
money's worth no, thatdefinitely yeah, at the end of
the day yeah, so definitelyalways.
Oh, a vision board is also verydirecting.
Speaker 2 (16:45):
Yes, yeah, I love it.
Speaker 1 (16:46):
It's such a great way to keep your mind going and I,
I've learned so much about it,but that will help you save,
though you know like oh, Iremember it, I want to go here,
like you know because in my headyeah.
In my vision board I have putItaly this year hopefully.
Speaker 2 (17:01):
Right.
Speaker 1 (17:02):
Yeah, I mean I loved Europe when we went, so I want
to see more of it.
Speaker 2 (17:07):
I think we should do a vision board workshop or
something.
I think that's a good idea.
Speaker 1 (17:11):
Oh my gosh, we should .
I really want to.
So we should definitely like ifit's not too late, right?
Speaker 2 (17:17):
No, it's never too late.
We need to do workshop, we needto manifest and get these kids
involved and just make a funlittle activity out of it.
Speaker 1 (17:23):
I love that idea.
I love it too, so let's do itAll, right, sounds good.
Speaker 2 (17:27):
But I'm glad we got this time to talk together and
like actually get to get morepersonal and everything and be
able to share this with everyoneas well.
Speaker 1 (17:35):
Let's talk a little bit about right the goals right
so saving money.
You definitely want to have agoal that you are aiming towards
to motivate you to keep saving.
So that's why I said, goingback to the vision board, we
should definitely always havesomething to look at.
Speaker 2 (18:07):
And that will definitely help somebody save,
especially if set up yourself tosee it every single day, your
brain starts triggering thatthis is important to you, just
like when you want to get a newcar.
Okay, I don't know about you,but when I decided to get the
Santa Fe or the compass and Iwas stuck between the two, I
literally see that, saw themeverywhere, yeah, and it's just
(18:27):
your brain realizing that it'simportant to you.
Was it in your vision board?
I didn't want a new car, okay.
I just didn't know what Iwanted.
I was stuck between compass orsanta fe, okay.
So I was going back and forthbetween the two and it just was
like there it's cause,especially the compass was one
thing.
I was there, ironically, my uhauto sales guy, which we know
(18:48):
happened yeah, he was myneighbor growing up.
So he actually helped me figureout that the Santa Fe was my
dream car, but before that I sawthe compass everywhere.
And now that I have, the SantaFe, I see it everywhere it's
just your brain constantlyshowing you what's important,
like the things that you findimportant.
So, like you said, the visionboard is so important for
everybody because you get to seethis every single day.
(19:08):
It's you said the vision boardis so important for everybody
because you get to see thisevery single day.
Yeah, it's a constant reminderof what's important, what you're
working towards.
Yes, especially towards those,like tough days, when you really
don't want to do anything.
Yes, yes, because we all havethose like lazy procrastinating
days.
Speaker 1 (19:22):
Yeah, of course, you know it happens to the best of
us, right?
But we're only human.
So definitely keeping focus andknowing what our goals are can
definitely make saving so muchmore fun, I feel, because it's
like it's going to be worth itat the end, you know.
Speaker 2 (19:39):
Seeing the end game.
Yeah, seeing the end game.
Speaker 1 (19:41):
Yeah, it just takes some.
Oh, I actually heard a quoteyesterday, I believe, in one of
my loan officer meetings.
He said this pertains to thewhole saving thing, but I just
want to share it with you guysbecause I thought it was such an
amazing quote.
It says if you want your treeto grow to heaven, your roots
(20:06):
must also reach hell, must alsoreach hell.
So I thought that was very yeah, I think that was very powerful
, because it's like if you'renot working towards, you know,
building something high, right,like how are you gonna get there
?
Speaker 2 (20:21):
no, it's true.
It's funny you say that becausekaylee and I we actually do
gardening every year in thespringtime.
Okay, so we were talking abouthow like things that we want in
life yeah sometimes you don'tsee it growing just like a
flower, just like a seed.
You don't see the growthunderneath but, it's growing
those really deep roots.
It's like really starting toget that grasp, so that way,
when it does grow up, you don'thave to worry about it blowing
(20:42):
over.
It's not going to fall becauseit has these Foundation Exactly?
It's a strong foundation.
Speaker 1 (20:57):
So if you work towards that, yeah, something
that's possible, exactly exactlyall you need is just to be
focused.
What is my goal?
Do I really want this?
Yes, and if you really want it,you, you will.
You'll get time will tell,because you know it's not going
to fade away, it's even going toget stronger.
You know that feeling is goingto get stronger and that feeling
I feel, like I always it comesfrom above, you, you know.
Speaker 2 (21:10):
No, it's true, Definitely, I mean, if not that
way, there's always a constantreminder, whether it be like you
said, it be something that'saround you constantly, whether
it be a vision board or, for me,a five year old reminded me how
important it is for us to havea house it's.
Whatever your goals are,there's always going to be, and
isn't that lovely?
Speaker 1 (21:27):
Isn't that just like what you need?
It's so funny how she's sological.
Remember, mom, right, remember.
Speaker 2 (21:34):
Yeah, we're going to work to go.
You know not Disney, we'regoing to save a house.
Speaker 1 (21:38):
Okay, no problem, baby.
Speaker 2 (21:39):
We're going to save for a house.
Speaker 1 (21:40):
Oh, you will get there and, yeah, we'll be here
the whole step of the way tohelp you out.
Speaker 2 (21:53):
I appreciate it.
Speaker 1 (21:54):
I know you guys will definitely help me out, just
like we're going to help outwhoever wants.
You know, any questions anybodyhas?
Yeah, of course, definitelyreal estate related.
You know we're always here,we're the bias team, so any real
estate needs, just let us knowplease.
Thank you so much, amanda, forbeing here with us.
Speaker 2 (22:04):
I appreciate being here.
It's amazing we were able to dothis.
Speaker 1 (22:06):
It was lovely yes, yes, so yeah, I guess that's it
all right.
Thank you for watching.
Bye, bye, bye guys.
I did the thing.
We haven't done it in a longtime.
I love it.
Welcome to Suit Up With Bias,all right.
Yeah, wait, so I have to stopit, all right, sorry.
So welcome to Suit Up With Bias.
(00:23):
Today I have my lovely friendAmanda.
She is also one of my closestfriends and, yeah, tell us a
little bit about yourself,amanda.
Speaker 2 (00:33):
Well, hi everybody.
I'm Amanda.
I am a resident here at Yonkers.
I've lived in the Bronx, inWestchester County my whole life
.
I am a mother, a wife.
I am actually a real estateagent here at the Baez Real
Estate.
Funny enough, though, we didn'tmeet through Baez, through any
real estate.
We actually met through ourkids, ironically, last year.
Speaker 1 (00:55):
So we met in our kids' schools and they were
actually what in pre-K?
Speaker 2 (01:03):
Pre-K yeah, four, yeah pre-K four.
Speaker 1 (01:06):
So yeah, from there we just clicked.
I said one day we should go outand we made it a whole like
field trip and then we alldecided to take out the class
and yeah, from there we've been,you know.
Speaker 2 (01:19):
Yeah, no, definitely.
The kids are close.
We're close in general as well.
I mean the fact that we wereable to, you know, start off
with just a small play date andturn it into this big class
event.
That was amazing, like going toLegoland, going to Yardhouse,
being able to have thatliterally 15 minutes away there
at Richville was amazing for us,and you were still a realtor at
the time right.
(01:39):
Oh yeah, definitely, yeah,definitely you were elsewhere,
yeah.
Speaker 1 (01:42):
So Amanda is part of Team Bias.
She is an amazing realtor, alsomother and wife.
So, yeah, if you need any realestate assistance, Amanda is
your girl.
Appreciate it no definitelySame to you.
Speaker 2 (01:55):
You have two beautiful kids, the fact that we
were here for the big grandopening.
Speaker 1 (01:59):
I was honored to be here, yeah that was a big show,
being part of your team wasfantastic.
Speaker 2 (02:02):
Yeah, yeah, that was a big show.
Your team was fantastic.
Yeah, thank you for being here.
Oh, definitely, of course, I'mglad I am here.
No, it was definitely greatthat we are, you know, starting
off being here now in Yonkers.
Speaker 1 (02:11):
Yeah.
Speaker 2 (02:12):
But it's funny because we were talking
yesterday and we both actuallygrew up in the Bronx.
Well, we both lived a part ofour childhood in the Bronx.
Speaker 1 (02:20):
I grew up in the Bronx.
Speaker 2 (02:20):
You said you grew up in Brooklyn originally?
Speaker 1 (02:22):
No, no, I was born in Brooklyn and then my family
bought a house in the Bronx, sothen I finished growing up in
the Bronx, I guess.
Oh, I love that.
Speaker 2 (02:30):
Yeah, so, oh.
So you had a house in the Bronx.
Speaker 1 (02:33):
Yes, my parents did.
Yeah, that's crazy.
Speaker 2 (02:34):
I had the apartment life, so we have completely
different that house apartmentlifestyle, yeah, house,
apartment.
That's amazing.
You came here in Yonkers a fewyears later.
Speaker 1 (02:44):
Yeah, so well, actually after I got married,
right, so we had Levi and thenan opportunity came out here of
a home for us to buy and we tookit and, yeah, from there we've
been in Yonkers for like aboutthree years now.
Well, yeah, just three yearsbecause I had just moved in and
then Levi started in the school,in the school that they're
(03:06):
currently in now yeah, a yearafter, because he was in another
place called Yonkers Children'sChildren's.
Speaker 2 (03:14):
Center.
Yeah, I think you were tellingme yesterday how, like you, I
remember hearing from your lastpodcast how much you loved what
you had a condo before you evenhad a house.
Yeah, you did the baby steps upto your house.
Yeah, you were telling me howmuch you loved it and how like
just life kind of presenteditself in a way, especially and
ironically, you think you saidit was like what on lexi's
arrival day and everything.
Speaker 1 (03:33):
Yes, so I did love the condo a lot, just because,
like it was on the forest floorand it was easy to bring in the
groceries and everything so wealso had like a nice community
there with a lot of kids, soLevi would play and run around
and stuff and you know it wasnice to see the neighbors.
You know here it's very quiet.
Speaker 2 (03:52):
Oh yeah, no it's a nice quiet.
I don't really see.
Speaker 1 (03:55):
Yeah, I don't really see the neighbors like that.
Speaker 2 (03:57):
You know, halloween comes along, everybody's out,
yeah.
Speaker 1 (04:00):
Yeah so besides that time, but yeah so, over over
there it was like an actual likecommunity and then, like
everybody was always out,especially in the summer.
They would always like makelike we weren't supposed to, but
they would always.
Speaker 2 (04:14):
You know, yeah, no, that's the Bronx in general.
I mean both my childhood areatoo same thing.
Speaker 1 (04:18):
Bronx summer means basically everybody's outside
and having fun yeah, so I knowit's great that we have though
that our school that the kids goto, all the kids are really
connected and they're reallywell known, and that was
beautiful.
I loved it too.
I was telling you yesterdaythat that was such a good
turnout.
Yeah, I loved how you know, wemade that play date and we made
(04:39):
it for everyone and at the time,remember, they weren't doing
like the trips and stuff.
Speaker 2 (04:43):
Not yet, not yet yeah .
Speaker 1 (04:49):
So it was definitely an experience for Levi and I
feel like they still remember it, because Levi always tells me,
like you know, we went toLegoland yeah, no, kaylee does
too.
Speaker 2 (04:55):
We also did Honest Art over in Artsly when is that?
That was the little paintingshop place we went to with the
kids for right aroundValentine's Day.
We did that.
Oh yeah, we did that one, Ithink.
Oh, honest art, yes, yes,honest art, yeah, we definitely.
There's definitely a lot to doin the area.
Yes, it's a matter of takingadvantage and finding time for
everybody to get together, yeah,so let's talk about our
favorite spots here in yonkers,I know you just mentioned honest
(05:18):
art.
Speaker 1 (05:18):
That's a little bit out, but what is one of your
like go-to spots here?
Speaker 2 (05:22):
oh for me, especially when springtime hits, it's
gonna definitely be on tomorrowpark okay, that is definitely my
.
I've been taking pictures there, it's just such a beautiful
area between the greeksculptures and you have now.
They just fixed up the pool aswell.
Speaker 1 (05:37):
They're a little like well, their little water area,
you can't go in though right, no, okay.
Speaker 2 (05:41):
Back when my great grandma, my grandmother-in-law,
was her young age.
That's when they were able todo that, oh, that's awesome,
it's just such a pretty placefor scenic pictures.
People do wedding picturesthere.
It's such a gorgeous spot.
Speaker 1 (05:52):
Didn't you do your baby shower and your wedding?
Speaker 2 (05:54):
pictures Maternity pictures there and my engagement
pictures right around Christmastime.
Speaker 1 (05:58):
We did those.
Speaker 2 (05:59):
It's such a pretty place, it's great for pictures,
great for just for walks, andkind of get a zen.
It's open to the public allyear round.
Yeah, it's definitely a greatopportunity to go visit there.
If not, that one literallyright up the block is Lenore
Park.
Okay, and that's another one,I've never been.
Oh really it's so pretty.
Speaker 1 (06:15):
It's just a nice little walkway area we got to go
Definitely uh.
Speaker 2 (06:20):
Yonkers water tower.
Speaker 1 (06:21):
Yonkers water Okay.
Speaker 2 (06:23):
Nice little views of the parkway, like the uh
Palisade on the other side andeverything with the water, wow,
so it's definitely a nice walk.
We'll have to do it one day,once it gets warmer out.
Speaker 1 (06:31):
Yeah, so I know in St John's, like when you go to the
like the hospital, um, when yougo to like a river, um, that's
the river right okay.
Okay, because I have seen theriver, but I haven't actually
gone to that park.
Speaker 2 (06:47):
So oh, we're gonna have.
There's so many parks by thewater yes, yes and hastings on
the hudson yes, that's myfavorite.
Speaker 1 (06:53):
Yeah, I was gonna say that's my favorite and, I think
, one of your favorite thingsyou were talking about was uh
the paris baguette yes, we'regonna have to check out that
place.
Speaker 2 (07:01):
I think you said it was what bakery.
Speaker 1 (07:02):
Yeah, so that bakery just opened up not too long ago.
I feel like it opened up maybein September, if I'm not
mistaken.
I could be wrong.
Speaker 2 (07:11):
Don't quote me.
Speaker 1 (07:12):
Yeah, so once it opened.
I mean I just know because Levigoes to karate around there, so
we're always around CentralAvenue out here in Yonkers.
But I absolutely love ParisBaguette.
Like they make fresh sourdoughMost of their pastries, they do
(07:33):
make it fresh and the bread isalways done fresh every day.
Speaker 2 (07:35):
So if you're in Yonkers, check out Paris
Baguette for sure, especially ifyou love bread, which is my
weakness.
Speaker 1 (07:38):
And the chai.
The chai is amazing.
It's just too sugary, but it'samazing.
Speaker 2 (07:43):
Oh, you guys need to try.
It Sounds like a good thing totry.
Speaker 1 (07:46):
I definitely will have to.
Okay, yeah, so let's move onright to.
Well, we can talk a little bitmore about our childhoods, right
, yeah, definitely, yeah, thecities that we grew up with.
So how was life in the Bronxfor you?
Did you like?
What parts were you in?
Speaker 2 (08:03):
Well, I was near the Marshall Parkway area, so more
of the northern part yeahdefinitely more northern part of
the Bronx.
I definitely had a greatchildhood.
Lived in an apartment, sothat's basically I knew somebody
above me, always below me,actually lived in an apartment.
So that's basically I knewsomebody above me, always below
me.
Actually at this point now I'mstill living that apartment life
, but more of a multi-family, soit definitely helps living with
family as well nearby but youhave a yard now, so no, that's
(08:26):
definitely, especially that's ahuge thing when you live in the
Bronx, there is no yard at allat all.
Speaker 1 (08:31):
Oh my gosh, I trust me.
I I felt it in COVID timebecause even though we had a
condo, we didn't have a yard, sothat was a little bit hard.
And then, um, alex was actuallythe one that said I'm you know,
I'm tired of this condo and I'mlike I love the condo.
But he was like I'm ready forsomething else with a yard, one
that's ready to move a littlebit progress further than the
(08:54):
other ones a little bit morecomfortable, but it's always
good to be able to push eachother a little bit more yeah,
and look at you now.
You have a gorgeous house Imean, we went, I went to your
house for dinner.
Speaker 2 (09:03):
Yes, that was amazing .
Speaker 1 (09:04):
The kids got to play together enjoy themselves so I
actually cooked her a veryspanish dominican plate, which
is called biste en cebolladowith white rice, was it?
It was with white rice yes, wasit it was with white rice.
Yes, okay, yeah.
So how was it?
It was delicious, oh my gosh,reminding my childhood food Like
my mother used to make foodlike that all the time.
Speaker 2 (09:24):
Yeah so it definitely reminded my childhood being
able to just sit with you guystalk.
Speaker 1 (09:28):
It was nice.
Speaker 2 (09:29):
Like very comfortable situation.
And this was actually evenbefore I came here.
So it was great to have to havethat one on one connection with
you guys.
Speaker 1 (09:36):
Yeah, yeah, you started a little after, right
after we had that dinner.
I found it funny and Alex foundit funny Because, since Mike is
, I don't know what's theethnicity Like, what's your
ethnicity and he's European.
Speaker 2 (09:50):
I'm Puerto Rican, Italian and German.
Speaker 1 (09:51):
So when he saw the food was it a big like shock,
like culture shock?
Speaker 2 (09:54):
No, because I cook like that for him sometimes, so
he's used to having Spanish food, but not as much More.
My Italian side comes out morethan Nenner.
Speaker 1 (10:02):
Oh got it.
Got it, yeah, because you make.
She makes a lasagna fromscratch.
Yeah, that is not an easy task.
Tomato sauce.
We're talking pasta.
Speaker 2 (10:14):
Yep Fresh noodles fresh tomato sauce, everything.
Speaker 1 (10:17):
Do you make the?
Speaker 2 (10:17):
cheese, too Mozzarella.
Well, I shred everythingstraight block.
So, it's about a 13 layerlasagna.
Speaker 1 (10:23):
Yeah.
Speaker 2 (10:23):
It definitely is a juicy to me.
Speaker 1 (10:25):
I have to try it, you still haven't Did you make it
this Thanksgiving.
Speaker 2 (10:29):
No, no, I made it for Christmas.
Speaker 1 (10:30):
I definitely made it for Christmas.
Speaker 2 (10:37):
You needed to bring me some.
Don't worry, if I make one.
I'm going to make onespecifically for you guys.
Speaker 1 (10:39):
Okay, I can't wait to try it.
So can you tell us a little bitabout that story that you told
me about that lasagna?
Speaker 2 (10:44):
So you had brought it in, I guess, to work for other
people to try, and then, oh yeah, I had a potluck at work and
one of my other jobs and backwhen I was working there I
actually made this huge lasagnaand I've had coworkers who have
never either never tried lasagnaor who have had, like have had
(11:04):
it before from other people butweren't a big fan of it and
literally, when I tell you, theyhad about two to three servings
of it, because it was that good?
That's awesome?
So definitely, but don't worry,I'll definitely make one for
one of our events.
Yeah, is that good that'sawesome.
Speaker 1 (11:16):
So definitely.
But don't worry, I'lldefinitely make one for one of
our events.
Yeah, yeah, cool, all right.
Well, can't wait to try it,right, definitely.
Speaker 2 (11:21):
But you being a loan mortgage officer and everything.
Speaker 1 (11:24):
Yeah.
Speaker 2 (11:24):
You knowing about saving money how people should
be, spending their money or notspending their money, but how we
can afford to buy a home evenon like somebody like me who
wants to buy a home.
Speaker 1 (11:34):
Yeah.
Speaker 2 (11:35):
Like I want to start saving.
Kaylee's already decided myDisney savings are now my house
savings.
Oh, that's amazing.
So, now I'm curious what canpeople like me?
Speaker 1 (11:44):
do to save money.
Yeah.
Speaker 2 (11:46):
Like what's your values?
What have you learned from your?
Speaker 1 (11:49):
career, yeah, so basically my time as being a
loan officer.
I have seen a lot of differentways that people do decide to
save money, right.
So there's always the oldschool way that you know it's
basically what works best foryou, right?
So I have clients that havemoney under the mattress, you
know, and that works for them.
Speaker 2 (12:10):
I know a few people who do that.
Speaker 1 (12:11):
Yeah, yeah, no, and honestly, I used to be one of
those people you know, because,like me, working at my parents
pizzeria, I would get a lot oftips.
By the way, little Caesars isalso here in Yonkers and that is
my parents store.
Speaker 2 (12:26):
So really, yeah, it is.
Speaker 1 (12:28):
Good to know.
Yeah, yeah, I did tell MissShirley that one time.
So I love that, yeah, yeah, soI used to work there, so I've
always kind of been aroundYonkers.
Because of that, I worked herein Yonkers but, yeah, because of
that I was able to save, youknow, the extra money that I
would learned, you know it's notreally the recommended route to
go to.
So I mean, if it works for somepeople, then you know I
(12:49):
understand Other people dodecide to do the 50-30-20 rule
Right, which is, I believe, is50 for your needs, 30 for your
(13:12):
wants and 20 for your futureself.
Speaker 2 (13:15):
Yeah, I believe we were talking about that
yesterday.
Yeah, you were showing me ayour future self.
Yeah, but you were talkingabout that yesterday, yeah.
Show me a video about it.
Speaker 1 (13:19):
Yeah.
Speaker 2 (13:19):
I think I we were reading or watching about how
they were saying it's veryimportant to try to stick to
this with your income.
Yeah, kind of take log of whatyou're spending for even like a
week, yeah, just so you have abetter idea of where your
money's going, where it's goingto, yeah, and then you're able
to figure out how much you canreally save yes, because
everybody's situation isdifferent.
(13:39):
So, without a doubt, I mean well, how impossible is it for
somebody to like for me if I'mthinking I have to have 700
credit score and have like 50000 in the bank?
Speaker 1 (13:49):
no, I mean, you know what.
It really depends on what youwant to buy, right?
Um?
So if you want to buy,obviously, a single family home,
that's maybe half a milliondollars, like you know, or even
more penny in that bank, yeahyou do need.
you do need more than I'm gonnasay.
I'm gonna just give an estimate, right, twenty thousand, right.
(14:11):
So because you have to keep inmind there's a five percent here
in New York, closing cost fees.
That's not everywhere, though,like in Connecticut, it's
cheaper, yeah, and then Jerseyis another amount you know so if
you want to buy here in NewYork, it's definitely 5.
You have to keep in mind youneed 5% of the purchase price
(14:32):
that you're looking into.
Okay, so that's just forclosing costs.
Now the down payment, right.
When you're looking into Okay,so that's just for closing costs
.
Now the down payment right.
When you're going FHA, if youdo qualify going FHA-ly, you are
allowed to put a 3.5% down.
That's the minimum you can putand then in going conventional,
you can do 3% as well.
Speaker 2 (14:51):
But it really depends , right, if you could do the
mortgage yeah.
Speaker 1 (14:53):
You could, if you like.
Let's say, if you want to pay acertain amount right of a
monthly mortgage you want to get, if you have a particular
bracket and it's over putting a3.5 percent down, if it's too
high for you, then maybeconsider putting a five percent
down.
You know more you put in what'slower the rate, the lower the
monthly payment yes, that makessense.
Speaker 2 (15:14):
Yeah, all right.
Well, I definitely want to talkmore about that with you in a
different podcast, because I'msure there is so much deeper, we
can go yeah with that betweendown payments, credits, cases,
different things like that, howthey all come into play together
.
Yeah, because everybody's.
Speaker 1 (15:27):
Like I said, everybody's.
Um scenario is different.
So if you think that you need a700 credit score, that's not
true.
You know we're able to do loansfor up to 500 FICO score.
So you know, obviously therates aren't favorable.
But you know it is possible,yeah, it is possible, so it
really depends on what you wantto buy as well.
Speaker 2 (15:48):
Okay, that's good to know.
So, for right now, what wouldyou say for the everyday working
person?
Speaker 1 (15:54):
that wants to save money, yeah definitely.
Speaker 2 (15:56):
What would you suggest that we could do, little
by little, to work towards thathouse goal?
Speaker 1 (16:00):
So, going back to the 50-30-20 rule, right, the 20.
Bump it up a little bit to 25,or bump it up as much as you can
.
You know the things that foryour future self.
So, the 20, the 20 that wassupposed to be for your future
self, just bump it up a littlebit more and see if you can
(16:21):
reach your goal faster than whatyou think you know.
Speaker 2 (16:23):
Oh, that's good to know.
Yeah, no, definitely somethingI'll have to work to.
Speaker 1 (16:26):
Yeah, I know, saving is not easy, you know but it's
worth it.
It is, and you'll definitelysee your hard work and your
money's worth no, thatdefinitely yeah, at the end of
the day yeah, so definitelyalways.
Oh, a vision board is also verydirecting.
Speaker 2 (16:45):
Yes, yeah, I love it.
Speaker 1 (16:46):
It's such a great way to keep your mind going and I,
I've learned so much about it,but that will help you save,
though you know like oh, Iremember it, I want to go here,
like you know because in my headyeah.
In my vision board I have putItaly this year hopefully.
Speaker 2 (17:01):
Right.
Speaker 1 (17:02):
Yeah, I mean I loved Europe when we went, so I want
to see more of it.
Speaker 2 (17:07):
I think we should do a vision board workshop or
something.
I think that's a good idea.
Speaker 1 (17:11):
Oh my gosh, we should .
I really want to.
So we should definitely like ifit's not too late, right?
Speaker 2 (17:17):
No, it's never too late.
We need to do workshop, we needto manifest and get these kids
involved and just make a funlittle activity out of it.
Speaker 1 (17:23):
I love that idea.
I love it too, so let's do itAll, right, sounds good.
Speaker 2 (17:27):
But I'm glad we got this time to talk together and
like actually get to get morepersonal and everything and be
able to share this with everyoneas well.
Speaker 1 (17:35):
Let's talk a little bit about right the goals right
so saving money.
You definitely want to have agoal that you are aiming towards
to motivate you to keep saving.
So that's why I said, goingback to the vision board, we
should definitely always havesomething to look at.
Speaker 2 (18:07):
And that will definitely help somebody save,
especially if set up yourself tosee it every single day, your
brain starts triggering thatthis is important to you, just
like when you want to get a newcar.
Okay, I don't know about you,but when I decided to get the
Santa Fe or the compass and Iwas stuck between the two, I
literally see that, saw themeverywhere, yeah, and it's just
(18:27):
your brain realizing that it'simportant to you.
Was it in your vision board?
I didn't want a new car, okay.
I just didn't know what Iwanted.
I was stuck between compass orsanta fe, okay.
So I was going back and forthbetween the two and it just was
like there it's cause,especially the compass was one
thing.
I was there, ironically, my uhauto sales guy, which we know
(18:48):
happened yeah, he was myneighbor growing up.
So he actually helped me figureout that the Santa Fe was my
dream car, but before that I sawthe compass everywhere.
And now that I have, the SantaFe, I see it everywhere it's
just your brain constantlyshowing you what's important,
like the things that you findimportant.
So, like you said, the visionboard is so important for
everybody because you get to seethis every single day.
(19:08):
It's you said the vision boardis so important for everybody
because you get to see thisevery single day.
Yeah, it's a constant reminderof what's important, what you're
working towards.
Yes, especially towards those,like tough days, when you really
don't want to do anything.
Yes, yes, because we all havethose like lazy procrastinating
days.
Speaker 1 (19:22):
Yeah, of course, you know it happens to the best of
us, right?
But we're only human.
So definitely keeping focus andknowing what our goals are can
definitely make saving so muchmore fun, I feel, because it's
like it's going to be worth itat the end, you know.
Speaker 2 (19:39):
Seeing the end game.
Yeah, seeing the end game.
Speaker 1 (19:41):
Yeah, it just takes some.
Oh, I actually heard a quoteyesterday, I believe, in one of
my loan officer meetings.
He said this pertains to thewhole saving thing, but I just
want to share it with you guysbecause I thought it was such an
amazing quote.
It says if you want your treeto grow to heaven, your roots
(20:06):
must also reach hell, must alsoreach hell.
So I thought that was very yeah, I think that was very powerful
, because it's like if you'renot working towards, you know,
building something high, right,like how are you gonna get there
?
Speaker 2 (20:21):
no, it's true.
It's funny you say that becausekaylee and I we actually do
gardening every year in thespringtime.
Okay, so we were talking abouthow like things that we want in
life yeah sometimes you don'tsee it growing just like a
flower, just like a seed.
You don't see the growthunderneath but, it's growing
those really deep roots.
It's like really starting toget that grasp, so that way,
when it does grow up, you don'thave to worry about it blowing
(20:42):
over.
It's not going to fall becauseit has these Foundation Exactly?
It's a strong foundation.
Speaker 1 (20:57):
So if you work towards that, yeah, something
that's possible, exactly exactlyall you need is just to be
focused.
What is my goal?
Do I really want this?
Yes, and if you really want it,you, you will.
You'll get time will tell,because you know it's not going
to fade away, it's even going toget stronger.
You know that feeling is goingto get stronger and that feeling
I feel, like I always it comesfrom above, you, you know.
Speaker 2 (21:10):
No, it's true, Definitely, I mean, if not that
way, there's always a constantreminder, whether it be like you
said, it be something that'saround you constantly, whether
it be a vision board or, for me,a five year old reminded me how
important it is for us to havea house it's.
Whatever your goals are,there's always going to be, and
isn't that lovely?
Speaker 1 (21:27):
Isn't that just like what you need?
It's so funny how she's sological.
Remember, mom, right, remember.
Speaker 2 (21:34):
Yeah, we're going to work to go.
You know not Disney, we'regoing to save a house.
Speaker 1 (21:38):
Okay, no problem, baby.
Speaker 2 (21:39):
We're going to save for a house.
Speaker 1 (21:40):
Oh, you will get there and, yeah, we'll be here
the whole step of the way tohelp you out.
Speaker 2 (21:53):
I appreciate it.
Speaker 1 (21:54):
I know you guys will definitely help me out, just
like we're going to help outwhoever wants.
You know, any questions anybodyhas?
Yeah, of course, definitelyreal estate related.
You know we're always here,we're the bias team, so any real
estate needs, just let us knowplease.
Thank you so much, amanda, forbeing here with us.
Speaker 2 (22:04):
I appreciate being here.
It's amazing we were able to dothis.
Speaker 1 (22:06):
It was lovely yes, yes, so yeah, I guess that's it
all right.
Thank you for watching.
Bye, bye, bye guys.
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