Episode Transcript
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Speaker 1 (00:01):
Eight thirty three thirteen ten wui b A and ask
the experts. Brought you by Rock Realty Online the website
Rock Wisconsin dot com. That's our O c K Wisconsin
dot com. Great website to learn more about Rock Realty.
Also check out all the great listings. It's a fun
place just to spend some time. We've got got a
(00:22):
moment or two. Even if you're not looking to buy,
If you're not looking to sell, we're just looking to look.
It's fun to do at Rockwisconsin dot com. That's our
O c K Wisconsin dot com. Tellph number six O
eight six seven three fifty four hundred. That's six oh
eight six seven three fifty four hundred and joining us
in studio this morning from ROCKREALTEA Matt Heiman, Matt, how
you doing this week?
Speaker 2 (00:40):
Good morning, I'm joining the spring weather.
Speaker 1 (00:42):
Yeah, it's amazing, although and I thank goodness we didn't
get storms. But uh been a little edgy the last
twenty four hours. You just never know what.
Speaker 2 (00:50):
I made sure my phone was charged last night just
in case the power went out.
Speaker 1 (00:53):
Yes, it is. That is an important thing to do.
And uh, you know, also if you've got your phone
other cool thing you can do with it. I don't
know if you know this map, but if you head
on over to MLS dot Rock Slash app while your
power is out, if you're looking for something to do
on your phone, or you head over to that app
and you can pruse home.
Speaker 2 (01:12):
Yeah, I hear that's Rock Realties Home search app. Yeah,
it's a pretty nice I heard it's better than real
turn Zilo too.
Speaker 3 (01:18):
Yes, word on the street, word on the street.
Speaker 1 (01:20):
And the word on the street is very very much
the right word. And as a matter of fact, not
only can you get the app, but you can also
head on over to Rock Wisconsin dot com as well
and check out all the great stuff going on in
Rock Realty. And while you're there you will find a
beautiful property not too far from the radio station. This
week's featured listing is right here in Fitchburg, right at
(01:41):
fifty six fifty five Silver Oak Drive, and Matt, this
is a this is a gorgeous home.
Speaker 3 (01:48):
Yeah, no, I love this house.
Speaker 2 (01:50):
You know, it's got a lot of space. It's over
twenty seven hundred square foot, which is awesome. Really grand
curb appeal, I call it right, yes, just it stands
out and it's got you know, three bedrooms, you know,
two and a half baths. Some of the other things
that really jump out at me.
Speaker 3 (02:09):
Or the screen ports for sure.
Speaker 2 (02:12):
Yeah, I'm a big fan of screen porches, and this
one looks like a really nice one.
Speaker 1 (02:15):
Yeah.
Speaker 2 (02:16):
Yeah, yeah, I think it's got a fire pit outside too.
Speaker 1 (02:19):
Oh very I didn't see the fire pit. I did
see the screen port. Really jumped out at me, and
it's it's a great looking home. One of the things too,
is obviously the home is fantastic. I didn't notice on
on Rock Wisconsin dot com one of the tabs is
schools and and obviously here in the Fitchburg area, West
High School is the nearest one, and uh five out
(02:42):
of five as far as ratings, I'm not surprised that that.
Obviously that's a priority for folks looking to looking to
buy a home. But I didn't realize it was such
a high priority that there's even a special tab just
for area schools. People with kiddos are definitely looking in
on that stuff, aren't they.
Speaker 2 (02:59):
Oh yeah, it's sourced, you know, from an outside sourced
rating system, which is great. So it's kind of an
independent rating system. Yeah, you look at you know certain
you know suburbs, let's call them like like McFarland, right,
How well did the housing market do in McFarland.
Speaker 3 (03:18):
Do you a lot to the school system out there, right?
And so yeah, it's a very important factor.
Speaker 1 (03:23):
That's fascinating. And again, of course you can check out
the website Rockwisconsin dot com. This week's feature listing is
shown by Chad Bowers set up on a point with
Chad six. So wait two seven fifty nine eighty five.
That's two seven nine fifty nine eighty five for Chad
and I. We'll talk a little bit more about this
home a little bit later on the program. But as
you mentioned, a significant curb appeal. It's also and I
(03:45):
hope folks get a chance to check out some of
the pictures because inside is is just as as as
eye catching as as the outside. It's a really really
nice look. Yeah, it's got a very very well stated,
very classy look to it. So we'll talk a little
bit more about that home little later in the program. Again,
had on over to Rock Wisconsin dot com. You can
(04:05):
see it for yourself. And looking to make that appointment, Chadd,
love to talk with you is telephone number six oh eight,
two seven nine fifty nine eighty five. It's two seventy
nine fifty nine eighty five. This week we're going to
be talking about an important topic, which is why buy
a home? And I think there's probably a number of factors.
We're going to break some of those down, but home
(04:27):
ownership just overall, Matt has always been kind of like
that American dream. Is that that you know, you work hard,
how do you know you've achieved? You got you got
that home that you always dreamed of, isn't it? Yeah?
Speaker 2 (04:38):
I agree, And I mean, yat today, we'll just kind
of go back to the basics, right, and you know,
I would say that the start of the American dream
is definitely home ownership. It just feels like it's a
foundation for kind of long term success.
Speaker 1 (04:52):
And let's talk about kind of some of those you
mentioned that foundation, and and you think about about some
of the benefits of home ownership, one of which is equity,
which is which is a nice word of saying you
got something, isn't it. Yeah?
Speaker 2 (05:06):
I would say that, you know, let's be honest, that's
that's the main reason. Yeah, Right, the number one reason
is building equity. Right when you're out there renting, you're
helping to pay off your landlord's mortgage versus paying off
your own mortgage. Right, and that's the big difference. But
when you buy a home, portion of every single payment
is going to go towards the balance towards what you
(05:28):
owe and slowly you build up equity.
Speaker 3 (05:31):
And that it's paying down debt to build equity.
Speaker 2 (05:34):
But also more often than not you have a rising market,
so you're gaining equity on the upside too.
Speaker 1 (05:40):
We think about I know we talked in the past
about folks looking to buy homes right now, and one
of the one of the best ways to buy a
home is to currently own a home. Is one of
the best ways to get into the market is if
you've got a house to sell. It's a good it's
a good opportunity there, and it's been this way for
a number of years. And I know folks oftentimes wonder
about like the over housing market and the equity and
(06:01):
the growth of property values. What a great opportunity for
folks is whether it's something you're going to be living
in in the equity there or if you're looking for
you mentioned earlier rental, you're paying somebody else's mortgage. How
better than to have that that property be your own
and somebody's paying you for your mortgage. Also, there's also
obviously investment opportunities in this world as well, aren't.
Speaker 3 (06:22):
Yeah, yeah, definitely.
Speaker 2 (06:23):
You know, it's important on the equity point to kind
of say that it's the money that's in your home
isn't necessarily locked, You're not locked out of it. Yeah,
you know, there is home equity lines of credit, so
as you you know, get you know, further and further
away from how much you owe to how much it's worth,
and you keep building that equity. You know, from thirty
(06:44):
to fifty to maybe seventy thousand, you can actually pull
out a home equity line of credit.
Speaker 3 (06:48):
You can keep there.
Speaker 2 (06:48):
You don't have to use it, but it's a it's
a way of tapping into that equity, which is pretty nice.
Speaker 1 (06:52):
So, and lending institutions give you really good rates.
Speaker 3 (06:56):
They do, they do.
Speaker 2 (06:57):
And what most people don't realize is in this the
helock is the industry term is if you have a helock,
the interest on there is actually deductible on your taxes
if you itemize.
Speaker 1 (07:07):
Oh, there's something to look into. That's for sure. As
we talked this morning with Matt Hetman of Rockrealty Online
Rock Wisconsin dot com that's our oc K Wisconsin dot com.
So not only could you potentially buy other houses, you
could also buy like a duplex or a four plex
and maybe live in one yourself and rent these rent
the others out. That's also another great way to make
(07:29):
some money and build equity. Yeah.
Speaker 2 (07:31):
I mean, that's actually what I did on my first
home purchase, and I recommend it for anybody that's willing
to take that on.
Speaker 1 (07:38):
Right.
Speaker 2 (07:38):
A lot of people are a little scared of having
tenants and the headaches that come with that. But if
you're able to find a good tenant, you know, if
they pay on time, they're actually then paying for your mortgage, right,
and so you can between two and four units, you
can actually get a thirty year fixed owner occupied And
what's really neat about that is even up to a
(07:59):
four unit, you can get as low as like a
three and a half percent down payment, and then you
have four units in a thirty year fixed mortgage.
Speaker 3 (08:07):
It's pretty impressive.
Speaker 1 (08:08):
That is pretty amazing. And you think about too, with
the way that rental market is right now, you can
be picky, you can when it comes to choosing that
perfect tenant and those the right fit in that property.
There's there's a lot of folks out there that'll be
lining up submitting applications if you're in a situation too
to have a rental property available, definitely worth exploring as well.
(08:30):
As we talked this morning with Matt Heitman of Rock Realty,
I mentioned the website Rock Wisconsin dot com telp number
six eight six seven three fifty four hundred. That's six
oh eight six seven three fifty four hundred. I've never
heard of rent payments going down. Now. I'm gonna guess
that maybe in certain areas they may have gone down.
That's a really bad sign. By the way, if your
rent ever goes down, something catastrophic has happened in the neighborhood.
(08:53):
And I don't think it happens at all. As a
matter of fact, it always seems to go up. And
one of the nice things about a mortgage is if
you've got to fix rate, can lock that right in,
can't you? Yeah?
Speaker 3 (09:01):
Exactly?
Speaker 2 (09:02):
You know, when you're renting there, there's always that if
right is the rent going to go up A lot
A little am I gonna get kicked out. You know,
having a stable monthly payment and having that fixed rate
mortgage is just such an important thing, especially when it
comes to budgeting and just you know, setting yourself up
for success long term. You know what those fixed amounts
(09:23):
are now. Granted, Texas also don't go down, but it's
gonna it's gonna be a little less dangerous than how
much your rent can go up.
Speaker 1 (09:32):
So it's funny. I've a number of politicians over the
years have always talked about tax has gone Yeah, someday, someday, Matt,
we probably, yeah, we'll see it. Yes, it is a
great benefit those those fixed rates. By the way, just
real quick on on rates. Do we still see adjustable
for folks that may be in a situation where where
(09:52):
that may make sense. That is an option still out
there though, folks, isn't it.
Speaker 3 (09:55):
Yeah?
Speaker 2 (09:56):
I tell you it's actually a really good option. You know,
if it's right for the situation. You can get arms.
They're called adjustable rate mortgages from local like credit unions
or banks. Typically they're fixed for three, five, or even
ten years. I know some has like a ten year ARM,
and you know, the short of the timeframe you fix
(10:16):
that rate. The better the rate you get because it's
less risk for the institution. The nice thing about that
is you know in the future, whether it be a
couple months or a couple of years, you can refinance
that at a lower rate, you know, if and when
rates drop. So it is it is an option for
people that you know can sometimes get you in at
a lower down payment as well.
Speaker 1 (10:34):
It's a really nice option for people. As you mentioned
to talk about some of the different programs, I know
we've talked lending on previous shows as well. You can
always listen back to the previous shows podcast. Just head
on over to WIBA dot com that podcast section you
will find you'll find Rock Realty right there. And as
we're talking this week with Matt about some of the
benefits of home ownership and why buy a home Matt,
(10:56):
you mentioned and kind of touched on it a bit earlier,
there are and this is this was amazing to me.
Is tax benefits to home ownership, aren't there? Yeah?
Speaker 2 (11:05):
Yeah, And now I'm not an accountant, however, for as
long as I've been in real estate, as far right,
the taxes that you pay on your house, if you're
itemizing your your taxes every year, those can be written off, right,
and that's a big advantage, right, so you know, it's
about the only part that may hurt a little less
(11:27):
when your taxes go up on your house because you
can at least deduct that.
Speaker 1 (11:31):
And there are sometimes depending on the on the year
and what's out there, but sometimes there's also tax credits
and other incentives for folks that that purchased a home
to really help them out with those kind of that
initial startup, isn't there.
Speaker 2 (11:43):
Yeah, yeah, I mean sometimes it's a local credit. Sometimes
it's the lottery credit that everybody will receive. So yeah,
there's you know, it's it's a slight.
Speaker 3 (11:53):
Help you know.
Speaker 1 (11:55):
Everything else, but it's something exactly yes, time is running
with that. I even owner of Rock Realty Online Rock
Wisconsin dot com. That's Rock r O c K Wisconsin
dot com. Speaking of checking out beautiful homes first sale.
If you haven't checked out rocklistings dot Com recently, head
on over there as well. It's rocklistings dot Com. Talk
speaking of listing, it's got a beautiful featured listing right
(12:17):
here in the neighborhood. We're going to get to talk
a little bit more about a house here in Fitchburg.
The details on that in just a moment, but right
now we're talking about why buy a home? What are
some of the incentives and what are some of the
motivating factors for folks. You think of a lot of investments.
Most of the time it's something you you you briefly hold,
or maybe you know just keeping a portfolio somewhere. Homes
(12:40):
can be a great investment. And it's also when it
comes to kind of looking at the history, a pretty
solid investment also, can't it be.
Speaker 2 (12:48):
Yeah, yeah, I mean if you look at the uh,
the longer term charts, you know, obviously there's there's some
wiggles in the market, right the longer term charts are
always up. For real estate, you know it it's a
fixed asset, and usually you know, fixed assets.
Speaker 3 (13:03):
Will go up with inflation.
Speaker 2 (13:06):
We'll go up with the kind of the devaluing of
the dollar, if you will, right, So as the dollar
buys less, homes are worth more. So it's a it's
a great way to counteract that.
Speaker 1 (13:16):
I know a lot of folks that have done quite
well in real estate, not just home ownership, but getting
into rental properties and other things. And that's really, you know,
you talk about it's not it hasn't just been stable,
it's been quite lucrative to be in that area. And
you talk about an opportunity on building equity and of
course benefiting from property values and overall, as you mentioned
(13:38):
some of the net worth stuff as well, what a
great what a great way to look at look at
real estate and of course as an investment tool and device.
We talked this morning with Matt Heyman. I mentioned the
website earlier, Rock Wisconsin dot Com telf number six o
eight six seven three fifty four hundred. That's six o'
eight six seven three fifty four hundred. We're going to
talk about kind of making your house yours. That's one
of the cool things too. When you own it, you
(13:59):
can do whatever heck you on with it. We'll get
the details from Matt on that so much more as
Ask the Experts with Rock Realty continues right here on
thirteen ten to do WUIB eight eight forty seven thirteen
ten WI b A and Ask the Experts, brought to
you by Rockrealty Online, Rock Wisconsin dot com. That's Rock
r Ock Wisconsin dot com. Talking this week with Matt
(14:23):
Heiman about some of the benefits of home ownership and
why folks buy a home in the first place. We
were talking earlier about kind of getting that conversation started.
Of course, you can peruse listings at Rocklistings dot com.
You better pick a phone gam a call six O
eight six seven three fifty four hundred. That's six h
eight six seven three fifty four hundred. And I know
you've got that great website as well, Wisconsin Buyer Agent.
(14:45):
Before we get to some of the other great benefits
of buying a home, working with a with a good agent,
and it's somebody that's a good fit for you. That's
that's a really important part of this, isn't it.
Speaker 2 (14:54):
Yeah, yeah, I definitely need to make sure that you've
got someone that's experienced, but also that's a good fit
for you, right, and different agents are a better fit
for different people, and we want to make sure that
the experience is something that's enjoyable that people can look
back on fondly. And so yeah, we created a Wisconsin
buyer Agent dot com so instead of perusing properties, you
(15:18):
can peruse available buyer agents at Rock Real Team.
Speaker 3 (15:20):
There's over over thirty of them.
Speaker 1 (15:22):
Oh wow, it's a fun website too, to check out
and get to know some of the folks at Rock
Real Team. We were talking in that last segment about
long term investment. I know a lot of folks will
work with an agent to buy their primary home and
then say, you know what, we do want to get
into that, into that investment opportunity and call that same
agent back and say, listen, he did such a great
job with helping us find this perfect home. Let's see
(15:43):
if we can recreate that with some rental property as well.
Speaking of rental, I remember when I was a renter.
I follow the rules to a tea and one of
my apartments, they are very strict about you know, you
couldn't hang anything up. But a friend of mine, she says,
she's like, your apartment looks like you're a serial killer.
There's nothing on the walls. Well, they told me not
(16:04):
to do it. The great thing about owning a home
is not only can you hang whatever you want, and
if you if you don't like where that wall is,
you got some free time. You can move it or
have it moved, can't you.
Speaker 3 (16:16):
Well yeah, I mean that's one of the fun parts.
Speaker 2 (16:19):
Right when you purchase home, you can remodel it, paint.
Speaker 3 (16:23):
It, landscape, whatever you want to do.
Speaker 2 (16:25):
And especially these days, they've really got some creative things
you can do, whether it's mounting kind of you know,
wood pieces on the behind your TV there to make
it more decorative, or I've seen just recently, I saw
people putting ceramic tile.
Speaker 1 (16:40):
On the wall.
Speaker 2 (16:40):
Oh yeah, so there's some neat things you can do
that you really can't do with an apartment.
Speaker 1 (16:45):
And you mentioned landscaping too. That's that's another fun part
of home ownership is kind of creating that that visual
from the street or even maybe in the backyard you
want to do a little little walking garden or something.
You get to do that as a home owner.
Speaker 2 (16:57):
I mean in the moment when you're behind you know,
the wheelbarrow, it's not quite it's enjoyable. However, the end
results amazing, right, so you get to appreciate it.
Speaker 3 (17:06):
Every time you open your garage.
Speaker 1 (17:07):
You started digging a home, there's a surprise boulder about
foot down. Yes, that is a fun one, but again
it is you talk about the you know, the finished
product and that satisfaction of having that stuff done. The
other thing too, is if you're somebody that doesn't like
the wheelbarrow. There are plenty of folks out there. You
give a couple of yea, yeah, that'll come on out
(17:29):
and they will do that just for you. And again
easy things like painting and those kind of things too.
It's just a really cool thing about home ownership being
able to do. And as we talk with Matt this morning,
Matt Heypmen of Rock Realty talk about all the benefits
of home ownership and obviously, I know studies have been
done on this. Kids that come from homes where parents
(17:51):
owned by their parents tend to do better on test
scores and other things. There's also just an overall pride
of ownership having you know, we started this conversation this
week Matt talking about kind of that American dream, having
that that place to call your own. There's a level
of pride to that, isn't that.
Speaker 3 (18:06):
Yeah?
Speaker 2 (18:07):
Yeah, I agree, And you know, not only that, it
gives a kind of a permanence, right, and something that's steady.
Even the neighbors. You're going to be much more likely
to have the same neighbors for a long time, to
know them, start hanging out with them. The kids could
be friends for years, right, So I think that all
lends to just an overall good family experience.
Speaker 1 (18:28):
It's interesting when you mentioned getting to know your neighbors
and something you don't always think about but kind of outsiders.
And my street is so we're I'm on Blaine and
Edgerton and people refer to us as the Blain Street people.
Oh yeah, we're all you know, like we do the
same lot of parties. We do what we do, Oh yeah,
we do. Like so for the long time, although one
of our neighbors did put up a fence, but for
(18:49):
the longest time, it was like and they moved out
after they put up the fence, and I told the
new owners and you guys, take that thing out. Anyway,
for the longest time, everybody, because like all of our
backyards touch each other, would all walk out and you know,
we do drinks and all that fun stuff. But yeah,
that's a and that's a cool sense of community that
develops from home ownership. That Now, again, if you're if
(19:09):
you're a private person, there's plenty of great places out
in the middle of nowhere, or if you just but
at the same time, if you do want that sense
of you know, great neighborly and getting to know your neighbors,
they're going to be there for a while. What a
cool opportunity.
Speaker 2 (19:21):
Yeah, you can like build a small little community.
Speaker 3 (19:23):
It's really neat.
Speaker 1 (19:23):
Yeah, that is really really cool. It's a great day
to start that journey, start that conversation. Well, you're looking
to buy your first home, looking to buy a move
up home. Maybe you're looking to list and then looking
to buy, or mentioned earlier, maybe you want that place
in the middle of nowhere for those weekends where you say,
you know what, I love my neighbors. I love my family,
but I'd rather love them back at home and I'll
be up at the cabin for the weekend. I'm ott in.
(19:44):
The team at Rock Realty can help you out. I'll
get just pick a phone, gamacall six o' eight six
seven three fifty four hundred. That's six 's' eight six
seven three fifty four hundred. The website rocklistings dot com.
That's rocklistings dot com. Before we get to this week's
featured listening, I do want to ask a friend of mine,
and I should ask him this question, but I'm gonna
ask you since your go to when it comes to
real date real estate. A couple of years ago, they
(20:04):
bought some land. They put put a camper on that land.
Now they are because of the kids getting older, it
just doesn't work well for them to get up there
on the weekends. They're saying, do you guys ever sell
like lots with like campers and things on them? Does
that stuff go on in Wisconsin typically?
Speaker 3 (20:18):
Yeah, yeah, definitely we do that.
Speaker 2 (20:19):
And then actually we have currently we have a listing
for a trailer at the moment, and you know a
lot of times that's considered a kind of a personal
property if it doesn't have a permanent foundation, so there's
there's some caveats to it.
Speaker 3 (20:34):
But yeah, definitely.
Speaker 1 (20:35):
Funding their financing is a little bit different. But obviously
with everything, I know, you guys work with folks. When
it comes to all sorts of different scenarios, it's if
it's come up, you've seen it before and know exactly
how to navigate it, so it is a great day.
Maybe you are looking to buy that little piece of
land a couple ten fifteen twenty thirty hundred acres northern
Wisconsin somewhere, or you're looking just.
Speaker 3 (20:54):
At your tiny house on it.
Speaker 1 (20:55):
Yeah, it's like everybody stream of like, hey, it's right
on the lake or near the lake. That is so cool,
speaking of us, so cool and really great opportunities. What
a beautiful house listing right here in Fitchburg as we
sit here by the radio station, right at fifty six
fifty five Silver Oak Drive. And of course Chad Chad
Bowers is the listing agent on this on this property,
(21:18):
three bedrooms, two full baths, one half bath. The square
footage Matt is impressive on this place is almost what
twenty seven hundred square feet? Yeah?
Speaker 3 (21:26):
Yeah, it has as a finished basement too.
Speaker 2 (21:29):
Yeah, and then yeah, a couple of things I didn't
mention was you've got a tray ceiling and the master
which really gives a lot of character, and also a
huge walking closet which I like. So it's a lot
to offer here right here in Fitchburgh.
Speaker 1 (21:40):
Did you ever run into this where you'll see a
house you go, eh, maybe I should. Wasn't thinking about buying,
but maybe I maybe I should.
Speaker 3 (21:46):
I mean, maybe I've heared the week.
Speaker 1 (21:49):
Yeah. Is that what it's like for real estate agency?
You go into these houses, You're like, gosh.
Speaker 2 (21:54):
Especially when you're going showings, you know you're going through
and not only that Oh I should do this in
my bedroom or I'm dining room or yeah, and it's
the project list keeps getting bigger.
Speaker 1 (22:04):
It sure does real quick too. Then before we wrap well,
first of course mentioned Chad's number. For folks that want
to see this beautiful house again, you can see it
at rock Wisconsin dot com if you want to showing.
Chad Bowers love to talk with you. Six oh eight
two seven nine fifty nine eighty five. That's two seven
nine fifty nine eighty five for Chad. Totally spaced Out. Yeah,
we haven't mentioned that this week, and it's it's a
(22:26):
cool partnership you have going on right now with Totally
spaced Out. Let's talk about what you're offering right now,
Rock Realty.
Speaker 3 (22:32):
Yeah, definitely really quick.
Speaker 2 (22:34):
Rocklistings dot Com is where you can find the details
and it's a new promotion we're doing the spring, so
take advantage quick if you can. And we're partnering with
Totally spaced Out. They have mobile storage units that they
can drop off at your house. You can load it
up and then they can either bring it to the
new house or they can store it down in Edgerton
and they have sixteen footers and twenty footers and for you,
(22:56):
for the time being, we are offering to cover you know,
the majority of those costs and for pickup, drop off
in storage.
Speaker 1 (23:03):
All the details at rocklistings dot com. That's rocklistings dot Com.
Talked about all the great benefits of home ownership, why
folks buy home. It's a great day to be looking.
They'd love to talk to you at rockrealt All you
gotta do pick up phone, give a call six oh
eight six seven three fifty four hundred. That's six' eight
sixty seven three fifty four. Hundred and of course the
Website Rock wisconsin dot. Com THAT'S R o C K
(23:25):
wisconsin dot. Com, matt it's always great chanting with, you my.
Friend you had joined the most fantastic of days you.
Do and of Course vicky, McKenna she has your chance
to win one thousand. Dollars next right, Here i'm thirteen
ten doubleuib ike
Eight thirty three thirteen ten wui b A and ask
the experts. Brought you by Rock Realty Online the website
Rock Wisconsin dot com. That's our O c K Wisconsin
dot com. Great website to learn more about Rock Realty.
Also check out all the great listings. It's a fun
place just to spend some time. We've got got a
(00:22):
moment or two. Even if you're not looking to buy,
If you're not looking to sell, we're just looking to look.
It's fun to do at Rockwisconsin dot com. That's our
O c K Wisconsin dot com. Tellph number six O
eight six seven three fifty four hundred. That's six oh
eight six seven three fifty four hundred and joining us
in studio this morning from ROCKREALTEA Matt Heiman, Matt, how
you doing this week?
Speaker 2 (00:40):
Good morning, I'm joining the spring weather.
Speaker 1 (00:42):
Yeah, it's amazing, although and I thank goodness we didn't
get storms. But uh been a little edgy the last
twenty four hours. You just never know what.
Speaker 2 (00:50):
I made sure my phone was charged last night just
in case the power went out.
Speaker 1 (00:53):
Yes, it is. That is an important thing to do.
And uh, you know, also if you've got your phone
other cool thing you can do with it. I don't
know if you know this map, but if you head
on over to MLS dot Rock Slash app while your
power is out, if you're looking for something to do
on your phone, or you head over to that app
and you can pruse home.
Speaker 2 (01:12):
Yeah, I hear that's Rock Realties Home search app. Yeah,
it's a pretty nice I heard it's better than real
turn Zilo too.
Speaker 3 (01:18):
Yes, word on the street, word on the street.
Speaker 1 (01:20):
And the word on the street is very very much
the right word. And as a matter of fact, not
only can you get the app, but you can also
head on over to Rock Wisconsin dot com as well
and check out all the great stuff going on in
Rock Realty. And while you're there you will find a
beautiful property not too far from the radio station. This
week's featured listing is right here in Fitchburg, right at
(01:41):
fifty six fifty five Silver Oak Drive, and Matt, this
is a this is a gorgeous home.
Speaker 3 (01:48):
Yeah, no, I love this house.
Speaker 2 (01:50):
You know, it's got a lot of space. It's over
twenty seven hundred square foot, which is awesome. Really grand
curb appeal, I call it right, yes, just it stands
out and it's got you know, three bedrooms, you know,
two and a half baths. Some of the other things
that really jump out at me.
Speaker 3 (02:09):
Or the screen ports for sure.
Speaker 2 (02:12):
Yeah, I'm a big fan of screen porches, and this
one looks like a really nice one.
Speaker 1 (02:15):
Yeah.
Speaker 2 (02:16):
Yeah, yeah, I think it's got a fire pit outside too.
Speaker 1 (02:19):
Oh very I didn't see the fire pit. I did
see the screen port. Really jumped out at me, and
it's it's a great looking home. One of the things too,
is obviously the home is fantastic. I didn't notice on
on Rock Wisconsin dot com one of the tabs is
schools and and obviously here in the Fitchburg area, West
High School is the nearest one, and uh five out
(02:42):
of five as far as ratings, I'm not surprised that that.
Obviously that's a priority for folks looking to looking to
buy a home. But I didn't realize it was such
a high priority that there's even a special tab just
for area schools. People with kiddos are definitely looking in
on that stuff, aren't they.
Speaker 2 (02:59):
Oh yeah, it's sourced, you know, from an outside sourced
rating system, which is great. So it's kind of an
independent rating system. Yeah, you look at you know certain
you know suburbs, let's call them like like McFarland, right,
How well did the housing market do in McFarland.
Speaker 3 (03:18):
Do you a lot to the school system out there, right?
And so yeah, it's a very important factor.
Speaker 1 (03:23):
That's fascinating. And again, of course you can check out
the website Rockwisconsin dot com. This week's feature listing is
shown by Chad Bowers set up on a point with
Chad six. So wait two seven fifty nine eighty five.
That's two seven nine fifty nine eighty five for Chad
and I. We'll talk a little bit more about this
home a little bit later on the program. But as
you mentioned, a significant curb appeal. It's also and I
(03:45):
hope folks get a chance to check out some of
the pictures because inside is is just as as as
eye catching as as the outside. It's a really really
nice look. Yeah, it's got a very very well stated,
very classy look to it. So we'll talk a little
bit more about that home little later in the program. Again,
had on over to Rock Wisconsin dot com. You can
(04:05):
see it for yourself. And looking to make that appointment, Chadd,
love to talk with you is telephone number six oh eight,
two seven nine fifty nine eighty five. It's two seventy
nine fifty nine eighty five. This week we're going to
be talking about an important topic, which is why buy
a home? And I think there's probably a number of factors.
We're going to break some of those down, but home
(04:27):
ownership just overall, Matt has always been kind of like
that American dream. Is that that you know, you work hard,
how do you know you've achieved? You got you got
that home that you always dreamed of, isn't it? Yeah?
Speaker 2 (04:38):
I agree, And I mean, yat today, we'll just kind
of go back to the basics, right, and you know,
I would say that the start of the American dream
is definitely home ownership. It just feels like it's a
foundation for kind of long term success.
Speaker 1 (04:52):
And let's talk about kind of some of those you
mentioned that foundation, and and you think about about some
of the benefits of home ownership, one of which is equity,
which is which is a nice word of saying you
got something, isn't it. Yeah?
Speaker 2 (05:06):
I would say that, you know, let's be honest, that's
that's the main reason. Yeah, Right, the number one reason
is building equity. Right when you're out there renting, you're
helping to pay off your landlord's mortgage versus paying off
your own mortgage. Right, and that's the big difference. But
when you buy a home, portion of every single payment
is going to go towards the balance towards what you
(05:28):
owe and slowly you build up equity.
Speaker 3 (05:31):
And that it's paying down debt to build equity.
Speaker 2 (05:34):
But also more often than not you have a rising market,
so you're gaining equity on the upside too.
Speaker 1 (05:40):
We think about I know we talked in the past
about folks looking to buy homes right now, and one
of the one of the best ways to buy a
home is to currently own a home. Is one of
the best ways to get into the market is if
you've got a house to sell. It's a good it's
a good opportunity there, and it's been this way for
a number of years. And I know folks oftentimes wonder
about like the over housing market and the equity and
(06:01):
the growth of property values. What a great opportunity for
folks is whether it's something you're going to be living
in in the equity there or if you're looking for
you mentioned earlier rental, you're paying somebody else's mortgage. How
better than to have that that property be your own
and somebody's paying you for your mortgage. Also, there's also
obviously investment opportunities in this world as well, aren't.
Speaker 3 (06:22):
Yeah, yeah, definitely.
Speaker 2 (06:23):
You know, it's important on the equity point to kind
of say that it's the money that's in your home
isn't necessarily locked, You're not locked out of it. Yeah,
you know, there is home equity lines of credit, so
as you you know, get you know, further and further
away from how much you owe to how much it's worth,
and you keep building that equity. You know, from thirty
(06:44):
to fifty to maybe seventy thousand, you can actually pull
out a home equity line of credit.
Speaker 3 (06:48):
You can keep there.
Speaker 2 (06:48):
You don't have to use it, but it's a it's
a way of tapping into that equity, which is pretty nice.
Speaker 1 (06:52):
So, and lending institutions give you really good rates.
Speaker 3 (06:56):
They do, they do.
Speaker 2 (06:57):
And what most people don't realize is in this the
helock is the industry term is if you have a helock,
the interest on there is actually deductible on your taxes
if you itemize.
Speaker 1 (07:07):
Oh, there's something to look into. That's for sure. As
we talked this morning with Matt Hetman of Rockrealty Online
Rock Wisconsin dot com that's our oc K Wisconsin dot com.
So not only could you potentially buy other houses, you
could also buy like a duplex or a four plex
and maybe live in one yourself and rent these rent
the others out. That's also another great way to make
(07:29):
some money and build equity. Yeah.
Speaker 2 (07:31):
I mean, that's actually what I did on my first
home purchase, and I recommend it for anybody that's willing
to take that on.
Speaker 1 (07:38):
Right.
Speaker 2 (07:38):
A lot of people are a little scared of having
tenants and the headaches that come with that. But if
you're able to find a good tenant, you know, if
they pay on time, they're actually then paying for your mortgage, right,
and so you can between two and four units, you
can actually get a thirty year fixed owner occupied And
what's really neat about that is even up to a
(07:59):
four unit, you can get as low as like a
three and a half percent down payment, and then you
have four units in a thirty year fixed mortgage.
Speaker 3 (08:07):
It's pretty impressive.
Speaker 1 (08:08):
That is pretty amazing. And you think about too, with
the way that rental market is right now, you can
be picky, you can when it comes to choosing that
perfect tenant and those the right fit in that property.
There's there's a lot of folks out there that'll be
lining up submitting applications if you're in a situation too
to have a rental property available, definitely worth exploring as well.
(08:30):
As we talked this morning with Matt Heitman of Rock Realty,
I mentioned the website Rock Wisconsin dot com telp number
six eight six seven three fifty four hundred. That's six
oh eight six seven three fifty four hundred. I've never
heard of rent payments going down. Now. I'm gonna guess
that maybe in certain areas they may have gone down.
That's a really bad sign. By the way, if your
rent ever goes down, something catastrophic has happened in the neighborhood.
(08:53):
And I don't think it happens at all. As a
matter of fact, it always seems to go up. And
one of the nice things about a mortgage is if
you've got to fix rate, can lock that right in,
can't you? Yeah?
Speaker 3 (09:01):
Exactly?
Speaker 2 (09:02):
You know, when you're renting there, there's always that if
right is the rent going to go up A lot
A little am I gonna get kicked out. You know,
having a stable monthly payment and having that fixed rate
mortgage is just such an important thing, especially when it
comes to budgeting and just you know, setting yourself up
for success long term. You know what those fixed amounts
(09:23):
are now. Granted, Texas also don't go down, but it's
gonna it's gonna be a little less dangerous than how
much your rent can go up.
Speaker 1 (09:32):
So it's funny. I've a number of politicians over the
years have always talked about tax has gone Yeah, someday, someday, Matt,
we probably, yeah, we'll see it. Yes, it is a
great benefit those those fixed rates. By the way, just
real quick on on rates. Do we still see adjustable
for folks that may be in a situation where where
(09:52):
that may make sense. That is an option still out
there though, folks, isn't it.
Speaker 3 (09:55):
Yeah?
Speaker 2 (09:56):
I tell you it's actually a really good option. You know,
if it's right for the situation. You can get arms.
They're called adjustable rate mortgages from local like credit unions
or banks. Typically they're fixed for three, five, or even
ten years. I know some has like a ten year ARM,
and you know, the short of the timeframe you fix
(10:16):
that rate. The better the rate you get because it's
less risk for the institution. The nice thing about that
is you know in the future, whether it be a
couple months or a couple of years, you can refinance
that at a lower rate, you know, if and when
rates drop. So it is it is an option for
people that you know can sometimes get you in at
a lower down payment as well.
Speaker 1 (10:34):
It's a really nice option for people. As you mentioned
to talk about some of the different programs, I know
we've talked lending on previous shows as well. You can
always listen back to the previous shows podcast. Just head
on over to WIBA dot com that podcast section you
will find you'll find Rock Realty right there. And as
we're talking this week with Matt about some of the
benefits of home ownership and why buy a home Matt,
(10:56):
you mentioned and kind of touched on it a bit earlier,
there are and this is this was amazing to me.
Is tax benefits to home ownership, aren't there? Yeah?
Speaker 2 (11:05):
Yeah, And now I'm not an accountant, however, for as
long as I've been in real estate, as far right,
the taxes that you pay on your house, if you're
itemizing your your taxes every year, those can be written off, right,
and that's a big advantage, right, so you know, it's
about the only part that may hurt a little less
(11:27):
when your taxes go up on your house because you
can at least deduct that.
Speaker 1 (11:31):
And there are sometimes depending on the on the year
and what's out there, but sometimes there's also tax credits
and other incentives for folks that that purchased a home
to really help them out with those kind of that
initial startup, isn't there.
Speaker 2 (11:43):
Yeah, yeah, I mean sometimes it's a local credit. Sometimes
it's the lottery credit that everybody will receive. So yeah,
there's you know, it's it's a slight.
Speaker 3 (11:53):
Help you know.
Speaker 1 (11:55):
Everything else, but it's something exactly yes, time is running
with that. I even owner of Rock Realty Online Rock
Wisconsin dot com. That's Rock r O c K Wisconsin
dot com. Speaking of checking out beautiful homes first sale.
If you haven't checked out rocklistings dot Com recently, head
on over there as well. It's rocklistings dot Com. Talk
speaking of listing, it's got a beautiful featured listing right
(12:17):
here in the neighborhood. We're going to get to talk
a little bit more about a house here in Fitchburg.
The details on that in just a moment, but right
now we're talking about why buy a home? What are
some of the incentives and what are some of the
motivating factors for folks. You think of a lot of investments.
Most of the time it's something you you you briefly hold,
or maybe you know just keeping a portfolio somewhere. Homes
(12:40):
can be a great investment. And it's also when it
comes to kind of looking at the history, a pretty
solid investment also, can't it be.
Speaker 2 (12:48):
Yeah, yeah, I mean if you look at the uh,
the longer term charts, you know, obviously there's there's some
wiggles in the market, right the longer term charts are
always up. For real estate, you know it it's a
fixed asset, and usually you know, fixed assets.
Speaker 3 (13:03):
Will go up with inflation.
Speaker 2 (13:06):
We'll go up with the kind of the devaluing of
the dollar, if you will, right, So as the dollar
buys less, homes are worth more. So it's a it's
a great way to counteract that.
Speaker 1 (13:16):
I know a lot of folks that have done quite
well in real estate, not just home ownership, but getting
into rental properties and other things. And that's really, you know,
you talk about it's not it hasn't just been stable,
it's been quite lucrative to be in that area. And
you talk about an opportunity on building equity and of
course benefiting from property values and overall, as you mentioned
(13:38):
some of the net worth stuff as well, what a
great what a great way to look at look at
real estate and of course as an investment tool and device.
We talked this morning with Matt Heyman. I mentioned the
website earlier, Rock Wisconsin dot Com telf number six o
eight six seven three fifty four hundred. That's six o'
eight six seven three fifty four hundred. We're going to
talk about kind of making your house yours. That's one
of the cool things too. When you own it, you
(13:59):
can do whatever heck you on with it. We'll get
the details from Matt on that so much more as
Ask the Experts with Rock Realty continues right here on
thirteen ten to do WUIB eight eight forty seven thirteen
ten WI b A and Ask the Experts, brought to
you by Rockrealty Online, Rock Wisconsin dot com. That's Rock
r Ock Wisconsin dot com. Talking this week with Matt
(14:23):
Heiman about some of the benefits of home ownership and
why folks buy a home in the first place. We
were talking earlier about kind of getting that conversation started.
Of course, you can peruse listings at Rocklistings dot com.
You better pick a phone gam a call six O
eight six seven three fifty four hundred. That's six h
eight six seven three fifty four hundred. And I know
you've got that great website as well, Wisconsin Buyer Agent.
(14:45):
Before we get to some of the other great benefits
of buying a home, working with a with a good agent,
and it's somebody that's a good fit for you. That's
that's a really important part of this, isn't it.
Speaker 2 (14:54):
Yeah, yeah, I definitely need to make sure that you've
got someone that's experienced, but also that's a good fit
for you, right, and different agents are a better fit
for different people, and we want to make sure that
the experience is something that's enjoyable that people can look
back on fondly. And so yeah, we created a Wisconsin
buyer Agent dot com so instead of perusing properties, you
(15:18):
can peruse available buyer agents at Rock Real Team.
Speaker 3 (15:20):
There's over over thirty of them.
Speaker 1 (15:22):
Oh wow, it's a fun website too, to check out
and get to know some of the folks at Rock
Real Team. We were talking in that last segment about
long term investment. I know a lot of folks will
work with an agent to buy their primary home and
then say, you know what, we do want to get
into that, into that investment opportunity and call that same
agent back and say, listen, he did such a great
job with helping us find this perfect home. Let's see
(15:43):
if we can recreate that with some rental property as well.
Speaking of rental, I remember when I was a renter.
I follow the rules to a tea and one of
my apartments, they are very strict about you know, you
couldn't hang anything up. But a friend of mine, she says,
she's like, your apartment looks like you're a serial killer.
There's nothing on the walls. Well, they told me not
(16:04):
to do it. The great thing about owning a home
is not only can you hang whatever you want, and
if you if you don't like where that wall is,
you got some free time. You can move it or
have it moved, can't you.
Speaker 3 (16:16):
Well yeah, I mean that's one of the fun parts.
Speaker 2 (16:19):
Right when you purchase home, you can remodel it, paint.
Speaker 3 (16:23):
It, landscape, whatever you want to do.
Speaker 2 (16:25):
And especially these days, they've really got some creative things
you can do, whether it's mounting kind of you know,
wood pieces on the behind your TV there to make
it more decorative, or I've seen just recently, I saw
people putting ceramic tile.
Speaker 1 (16:40):
On the wall.
Speaker 2 (16:40):
Oh yeah, so there's some neat things you can do
that you really can't do with an apartment.
Speaker 1 (16:45):
And you mentioned landscaping too. That's that's another fun part
of home ownership is kind of creating that that visual
from the street or even maybe in the backyard you
want to do a little little walking garden or something.
You get to do that as a home owner.
Speaker 2 (16:57):
I mean in the moment when you're behind you know,
the wheelbarrow, it's not quite it's enjoyable. However, the end
results amazing, right, so you get to appreciate it.
Speaker 3 (17:06):
Every time you open your garage.
Speaker 1 (17:07):
You started digging a home, there's a surprise boulder about
foot down. Yes, that is a fun one, but again
it is you talk about the you know, the finished
product and that satisfaction of having that stuff done. The
other thing too, is if you're somebody that doesn't like
the wheelbarrow. There are plenty of folks out there. You
give a couple of yea, yeah, that'll come on out
(17:29):
and they will do that just for you. And again
easy things like painting and those kind of things too.
It's just a really cool thing about home ownership being
able to do. And as we talk with Matt this morning,
Matt Heypmen of Rock Realty talk about all the benefits
of home ownership and obviously, I know studies have been
done on this. Kids that come from homes where parents
(17:51):
owned by their parents tend to do better on test
scores and other things. There's also just an overall pride
of ownership having you know, we started this conversation this
week Matt talking about kind of that American dream, having
that that place to call your own. There's a level
of pride to that, isn't that.
Speaker 3 (18:06):
Yeah?
Speaker 2 (18:07):
Yeah, I agree, And you know, not only that, it
gives a kind of a permanence, right, and something that's steady.
Even the neighbors. You're going to be much more likely
to have the same neighbors for a long time, to
know them, start hanging out with them. The kids could
be friends for years, right, So I think that all
lends to just an overall good family experience.
Speaker 1 (18:28):
It's interesting when you mentioned getting to know your neighbors
and something you don't always think about but kind of outsiders.
And my street is so we're I'm on Blaine and
Edgerton and people refer to us as the Blain Street people.
Oh yeah, we're all you know, like we do the
same lot of parties. We do what we do, Oh yeah,
we do. Like so for the long time, although one
of our neighbors did put up a fence, but for
(18:49):
the longest time, it was like and they moved out
after they put up the fence, and I told the
new owners and you guys, take that thing out. Anyway,
for the longest time, everybody, because like all of our
backyards touch each other, would all walk out and you know,
we do drinks and all that fun stuff. But yeah,
that's a and that's a cool sense of community that
develops from home ownership. That Now, again, if you're if
(19:09):
you're a private person, there's plenty of great places out
in the middle of nowhere, or if you just but
at the same time, if you do want that sense
of you know, great neighborly and getting to know your neighbors,
they're going to be there for a while. What a
cool opportunity.
Speaker 2 (19:21):
Yeah, you can like build a small little community.
Speaker 3 (19:23):
It's really neat.
Speaker 1 (19:23):
Yeah, that is really really cool. It's a great day
to start that journey, start that conversation. Well, you're looking
to buy your first home, looking to buy a move
up home. Maybe you're looking to list and then looking
to buy, or mentioned earlier, maybe you want that place
in the middle of nowhere for those weekends where you say,
you know what, I love my neighbors. I love my family,
but I'd rather love them back at home and I'll
be up at the cabin for the weekend. I'm ott in.
(19:44):
The team at Rock Realty can help you out. I'll
get just pick a phone, gamacall six o' eight six
seven three fifty four hundred. That's six 's' eight six
seven three fifty four hundred. The website rocklistings dot com.
That's rocklistings dot com. Before we get to this week's
featured listening, I do want to ask a friend of mine,
and I should ask him this question, but I'm gonna
ask you since your go to when it comes to
real date real estate. A couple of years ago, they
(20:04):
bought some land. They put put a camper on that land.
Now they are because of the kids getting older, it
just doesn't work well for them to get up there
on the weekends. They're saying, do you guys ever sell
like lots with like campers and things on them? Does
that stuff go on in Wisconsin typically?
Speaker 3 (20:18):
Yeah, yeah, definitely we do that.
Speaker 2 (20:19):
And then actually we have currently we have a listing
for a trailer at the moment, and you know a
lot of times that's considered a kind of a personal
property if it doesn't have a permanent foundation, so there's
there's some caveats to it.
Speaker 3 (20:34):
But yeah, definitely.
Speaker 1 (20:35):
Funding their financing is a little bit different. But obviously
with everything, I know, you guys work with folks. When
it comes to all sorts of different scenarios, it's if
it's come up, you've seen it before and know exactly
how to navigate it, so it is a great day.
Maybe you are looking to buy that little piece of
land a couple ten fifteen twenty thirty hundred acres northern
Wisconsin somewhere, or you're looking just.
Speaker 3 (20:54):
At your tiny house on it.
Speaker 1 (20:55):
Yeah, it's like everybody stream of like, hey, it's right
on the lake or near the lake. That is so cool,
speaking of us, so cool and really great opportunities. What
a beautiful house listing right here in Fitchburg as we
sit here by the radio station, right at fifty six
fifty five Silver Oak Drive. And of course Chad Chad
Bowers is the listing agent on this on this property,
(21:18):
three bedrooms, two full baths, one half bath. The square
footage Matt is impressive on this place is almost what
twenty seven hundred square feet? Yeah?
Speaker 3 (21:26):
Yeah, it has as a finished basement too.
Speaker 2 (21:29):
Yeah, and then yeah, a couple of things I didn't
mention was you've got a tray ceiling and the master
which really gives a lot of character, and also a
huge walking closet which I like. So it's a lot
to offer here right here in Fitchburgh.
Speaker 1 (21:40):
Did you ever run into this where you'll see a
house you go, eh, maybe I should. Wasn't thinking about buying,
but maybe I maybe I should.
Speaker 3 (21:46):
I mean, maybe I've heared the week.
Speaker 1 (21:49):
Yeah. Is that what it's like for real estate agency?
You go into these houses, You're like, gosh.
Speaker 2 (21:54):
Especially when you're going showings, you know you're going through
and not only that Oh I should do this in
my bedroom or I'm dining room or yeah, and it's
the project list keeps getting bigger.
Speaker 1 (22:04):
It sure does real quick too. Then before we wrap well,
first of course mentioned Chad's number. For folks that want
to see this beautiful house again, you can see it
at rock Wisconsin dot com if you want to showing.
Chad Bowers love to talk with you. Six oh eight
two seven nine fifty nine eighty five. That's two seven
nine fifty nine eighty five for Chad. Totally spaced Out. Yeah,
we haven't mentioned that this week, and it's it's a
(22:26):
cool partnership you have going on right now with Totally
spaced Out. Let's talk about what you're offering right now,
Rock Realty.
Speaker 3 (22:32):
Yeah, definitely really quick.
Speaker 2 (22:34):
Rocklistings dot Com is where you can find the details
and it's a new promotion we're doing the spring, so
take advantage quick if you can. And we're partnering with
Totally spaced Out. They have mobile storage units that they
can drop off at your house. You can load it
up and then they can either bring it to the
new house or they can store it down in Edgerton
and they have sixteen footers and twenty footers and for you,
(22:56):
for the time being, we are offering to cover you know,
the majority of those costs and for pickup, drop off
in storage.
Speaker 1 (23:03):
All the details at rocklistings dot com. That's rocklistings dot Com.
Talked about all the great benefits of home ownership, why
folks buy home. It's a great day to be looking.
They'd love to talk to you at rockrealt All you
gotta do pick up phone, give a call six oh
eight six seven three fifty four hundred. That's six' eight
sixty seven three fifty four. Hundred and of course the
Website Rock wisconsin dot. Com THAT'S R o C K
(23:25):
wisconsin dot. Com, matt it's always great chanting with, you my.
Friend you had joined the most fantastic of days you.
Do and of Course vicky, McKenna she has your chance
to win one thousand. Dollars next right, Here i'm thirteen
ten doubleuib ike
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