Real Estate in Buenos Aires & more!

Going beyond Houston on this edition!

Episode Transcript

Speaker 1 (00:00):
The views and opinions expressed by the participants on this
show are not necessarily those of Stuart Information Services Corporation,
Stewart Title, or Stewart Insurance. Before you make any investment,
you should seek the advice of your investment advisor or attorney.

Speaker 2 (00:13):
Whether you're a real estate broker, realtor homeowner, buyer or seller,
everything matters when it comes to real estate. This is
Real Estate Matters with Steare Title, Steward Titles. Bill Knapik
and guests open the door to what really matters in owning, buying,
and selling real estate. And now Real Estate Matters with
Steware Title, brought to you by Stuart Insurance. Here to inform,

(00:38):
entertain and inspire. Bill Knabek, Welcome to the show. It
is Real Estate Matters, Will Stewart Title. Once again, a
great radio adventure is in store for each and every
one of you. I am your host, Bill Napick. It's
exciting today. It's going to be a little bit different.
We're going to broaden our horizons in a massive way
here today. And first I want to tell you mind

(01:00):
you that you can go to Stuart dot com. That's
right to see this show on the YouTube video and
some of the things we do there at Stuart dot
Com Forward Slash Radio. In addition, simply go to Radio
Bill that's the YouTube channel. And let's get down to
business right now, as we welcome Katie Kosev. Her company

(01:20):
is called Side and we're going to find out all
about Side with Katie. Katie, Welcome to the show.

Speaker 3 (01:25):
Hey, but thank you so much, happy to be here.
Thanks for the invite.

Speaker 4 (01:28):
Well, it's interesting. It's always nice to talk about something
that may be a little bit newer to someone in
the real estate world. And I think you have a
lot to tell us. Yeah, but first of all, let's
tell people about what Side is in the real estate world.

Speaker 5 (01:42):
Sure, Side has been around for I think we're going
on our eighth year, so I guess considered still a startup.

Speaker 3 (01:48):
Started in California.

Speaker 5 (01:50):
Our main office is in San Francisco, and basically Side
partners with high producing real estate agents looking to grow
their business and white labels their brokerages.

Speaker 3 (02:00):
So takes out all of the oh god, I got
to open my own office. How do I do that?

Speaker 5 (02:04):
We take in again, high producing agents that are growing,
give them the software to do it. Compliance, We take
care of all the legal work. They come with a
broker like myself for Texas and that's that. So in
Texas right now we have five hundred companies total, which
you never see a side that's the thing. That's why
you never hear the actual word. So an example in

(02:25):
Houston City, Quest real Estate, one of the larger brokers
who does a lot of new development, that's the side partner.
And we never say anyone joins us. They partner with us,
So it's their company, they partner with us, and that's that.
So it's lovely that they all have their own DBAs
and we're just floating around the background making sure they
can do what they're good at and we run the

(02:46):
back end.

Speaker 4 (02:46):
Sounds like at least one of the key words is partner.

Speaker 3 (02:50):
Yeah, partner, you'll hear it a lot.

Speaker 4 (02:51):
So and I think one of the things, if I'm
out there and I just heard what you said, and
let's say I'm a top producing realtor, you probably tickled
my ear in a way to say this may be
something I don't know about. So again, the top producing
realtor out there, if they say, hmm, how much production
do I need? Su what are some of the other

(03:12):
things when we say top production, that's the higher percentage
right here in the Houston area. But what are some
of the other things that the person would need to know?

Speaker 3 (03:21):
Sure, I'll give specifics too.

Speaker 5 (03:22):
Like in Texas, we're looking for agents who are again
wanting to grow an actual team. So they may have
a you know, brick and mortar office, they may not,
that doesn't matter. But we're looking for typically a minimum
of twenty million and wanting.

Speaker 3 (03:35):
To push their way up.

Speaker 5 (03:38):
I would say in California we're averaging closer to one
hundred million and up, so we're really here to scale.
We have a partner in Dripping Springs, Texas who has
increased their business by I got two one hundred and
twenty five percent since they joined two years ago.

Speaker 3 (03:52):
So we really help broker just scale.

Speaker 5 (03:55):
How does it work in the background, Again, I'm very
transparent and factual.

Speaker 3 (03:59):
There is a split paid, but it's.

Speaker 5 (04:02):
Not your typical brokerage because again you don't see me
right at all, But I am the broker.

Speaker 3 (04:07):
I am compliance.

Speaker 5 (04:08):
It's really great in Texas with our almost five hundred partners,
I am working with our founding partners and those are
the owners of these individual companies. Not necessarily with the agents,
but they still hear from me. We still do training,
we do all of those things. But we're really helping
these individuals who want to grow their own business without
having to go buy a franchise or such. It's their

(04:28):
own boutique brokerage.

Speaker 4 (04:30):
That's the partner aspect. But also and to embellish, I
think what people already picked up is that it could
be for me if I'm top producing agent or me
and others in my team. Is that correct?

Speaker 3 (04:42):
Absolutely?

Speaker 5 (04:43):
Yeah, you could come together, you could come you could
all be finding founding partners together, or it could be
one individual and then we go through a launch process.
It's about a three month long period of time. So
it's not say you're at any other brokerage you can
think of and you want to move over to side
partner with side. This is a solid again month to
three month launch process. Branding like creating everything, signage, all

(05:05):
of those things prior, so it's not as simple as
just transferring a license. It's like you're really launching your
own company with us. That's what that's what we're there
to do.

Speaker 4 (05:13):
So then would that be one of the benefits that
you're helping again, will take me as an example or
mister Topper or missus top producer to say, hey, here's
some of the things that we're going to do. We've
done this before in all these other places. Here's the
absolutely the three month ors several.

Speaker 5 (05:30):
Months, it takes a few months to actually launch. Once
you are launched, you're also being assigned a success manager,
which is really cool, kind of like a business development manager.

Speaker 3 (05:39):
Works with you.

Speaker 5 (05:40):
They're looking at your P and L, they're doing all
these things. They're not talking to you and saying did
you prospect today, They're really sitting down with you and
making sure that you're growing your business the right way,
that you're recruiting the right way, that you were doing
all the things that you need to do to be
a successful brand. And Side really believes that boutique is
the way to make sure that these individuals are pushing

(06:00):
their name instead of another broker's name.

Speaker 3 (06:03):
And that's it.

Speaker 5 (06:04):
The only rule that we have, like specifically in Texas,
like the name of the company can't necessarily be like
the ktekos of real estate company.

Speaker 3 (06:11):
And that's a truck rule for our real estate commission.

Speaker 5 (06:14):
So again you'll get the DBA and then side doesn't
need to be anywhere on the signs, which is a
pretty fantastic work around when it comes to branding.

Speaker 4 (06:23):
And then in terms of technology, we're in a world
right now we've never heard so much about AI and
all the different technology than we've had here in the
last couple of months.

Speaker 5 (06:33):
Even Yeah, we have a proprietary app, which a lot
of places do. I mean, I love ours. I wouldn't
be working at the company if I didn't really believe
in it. But they've built a really cool transaction management
and compliance platform which is you know, embedded in with
DocuSign and all that good stuff. We also just launched
a partnership which they announced last week, so I can

(06:54):
tell you now with Canva, so all of our partners
now have direct access to Canada and it works with
MLS and it's really fantastic as far as you know,
helping our partners brand themselves even more so.

Speaker 4 (07:07):
And I like what you said a couple of minutes
ago where you said that we don't say, hey, did
you prospect today, Well, if you're a top producer, you
probably have to do with that, right exactly. You probably
have that and so many other components of being successful
under your belt, right.

Speaker 5 (07:21):
Yeah, it's a it's they come to us with a
company that typically has already been very successful and they're
just like it's time to scale, Like they've hit a
wall and it's time to you know, become a partner
and grow with the right tools. And also just a
really great community. We have a a annual big conference
this year. It's in Huntington Beach in March, and all

(07:42):
of our side partners get together and it's it's a
lovely meeting of the minds and it's a it's a
nice place to be. So if anyone listening wants to come,
let me know.

Speaker 4 (07:51):
And it's also sounds like if I'm a top producer,
someone's listening out there. As a top producer, it's a
way to go to the next level. Sometimes when you're
at the top, you say, hey, where do I go next?

Speaker 2 (08:04):
Ye?

Speaker 4 (08:05):
This might this might be.

Speaker 5 (08:06):
The the It's a nice idea to think, Okay, I'm
going to launch my own brokerage. And it's not for everybody,
and we know that, but for people who really want
to have their own company, it's theirs completely. That's where
where we come in as opposed to the other you know,
really high quality, typical brokers. It's your own boutique brokerage
that we are helping you run. And I know it

(08:26):
still seems kind of confusing to a lot of people
because they I think people can't get their mind around
the fact that the name of the platform which a side,
isn't on any of the branding, which you never see it,
which I find fascinating and pretty lovely.

Speaker 3 (08:39):
And our CEO and founder, Guy Gal. Yes, that's his.

Speaker 5 (08:42):
Name, Guy Gal.

Speaker 4 (08:45):
Yep.

Speaker 5 (08:47):
Yeah, And he's as big of a character as the
name would make you think, and he just really believes
in he will he will scold you in a nice way.
If you're like, oh, so and so joined us, it's no,
they really they partnered with us and we're there to
help them be successful.

Speaker 4 (09:01):
And your responsibilities with the company.

Speaker 3 (09:04):
Sure, sure.

Speaker 5 (09:05):
I am the East Coast lead, so I help lead
our managing brokers that are on the East Coast, which
really includes Florida, which is interesting because I said the
East Coast, Georgia, South Carolina, the DMV area. And then
I'm the broker for the state of Texas, so I
lead our partnerships here locally, compliance, legal things, you know, your.

Speaker 3 (09:25):
Typical your typical real estate broker.

Speaker 4 (09:27):
Fun in your life. As we talked a little bit
before we started, you're embedded in real estate. It sounds
like you must love real estate. When and what was
your attraction going back decades now, I believe to say,
of all the things you could be doing, Katie Coosiv,
you said somewhere along the line, I want to be
in real estate.

Speaker 5 (09:48):
Yeah, well, I was too young to know any better.
I was nineteen when I decided to get my license.
I was in college. I thought getting my real estate
license would afford me flexibility and time.

Speaker 3 (09:58):
That's travel and all those fun things.

Speaker 5 (10:01):
And then I realized in workhorse and it didn't really
turn out that way until I kind of shifted my
mindset later. But I've been licensed since I was twenty
years old, and it took off from there. It became
a broker when I was twenty six, and I've never
looked back. I married a real estate broker. It's all
we talk about. My daughter wants nothing to do with
real estate at all ever, so no needs to ever

(10:22):
call her anybody. Yeah no, never, She's like hospitality or something,
get me out of here.

Speaker 3 (10:27):
But yeah, that's it. It's a it's a definitely a
lifestyle so.

Speaker 4 (10:31):
And especially having your husband involved with it. So when
you're not, if ever not doing real estate, deity, you
have hobbies? How to you own wine? What are your's?

Speaker 3 (10:40):
Funny? And I'm glad you brought that up.

Speaker 5 (10:42):
Last year we did our family Christmas card and the
back of the Christmas card had some like witty saying
about my husband's business.

Speaker 3 (10:49):
He has all sorts of hobbies. He likes to sail
and body build and all these cool things.

Speaker 5 (10:53):
My daughter was going to college and I even made
something up about our dog had a hobby of like
eating three eels a day, and I was like, what
are my hobbies?

Speaker 3 (11:02):
My god, it's only work. What in the world? So
I have been exploring new hobbies.

Speaker 4 (11:06):
We are necessarily the first time this is heard.

Speaker 5 (11:08):
This is yeah, this is the first time. And I
still don't have anything definitive by any means. I'm not
going to start quilting quite yet, but hey, it may
be on the horizon. I'm taking a welding class. Do
you know any women who are at welders Poit me
that way, But as an empty nester or a free bird,
as I like to call it. Yeah, I'm exploring some
new options that are not real estate related or Airbnb related,

(11:30):
because that's another big part of our right there.

Speaker 4 (11:33):
Yeah, yeah, welding sounds like.

Speaker 5 (11:37):
Myself.

Speaker 3 (11:37):
I'll never touch it again, but for now, Yeah.

Speaker 4 (11:39):
That sounds awesome. And also the NAR for people that
don't know in the real estate profession here or anywhere else.
But we recently this past weekend had the NAAR Show
National Association of Realtors. I hear that you went, tell
us what in case a realtor wanted to go and
or maybe they didn't know, what did you learn or

(12:01):
some of the highlights of visiting. That was a pree
day convention.

Speaker 5 (12:04):
Yeah, it started on there were some meetings prior and
then Friday, you know, the fun started throughout the week
and I think it wraps up today.

Speaker 3 (12:11):
Any real estate conference is great.

Speaker 5 (12:13):
I think NAAR has some of the best speakers that
come out, and I think keeping mindset of abundance is
very important, not scarcity. Twenty twenty five has been I
wouldn't say wild year, but it's been a lot different
than I think people expected it to be. So overall,
I think just a lot of tidbits about your business

(12:33):
moving forward into twenty twenty six, knowing it's going to
be more fruitful possibly for a lot of agents than
twenty five was.

Speaker 4 (12:40):
And as you have so many things in the air,
we are in a dynamic time of real estate. That's
one of the reasons it's fascinating. Change is a little
grumbles along the way. I've heard just even on the
way to the show, someone's saying that. But as you
have so many things going on, family, life, husband, in
real estate, how do you plan? You seem to be
very organized. I would think you have to be as

(13:00):
we look ahead to twenty twenty six. How do you
scope with your responsibilities in life that say, hey, yeah,
you know going forth here.

Speaker 5 (13:06):
It's a good question. We can get down to the
nitty gritty. I cannot live without my Google calendar. I
plan everything out a year at a time prior. My
husband and I actually go out of town to a
place that is so boring but has a nice hotel.
So everybody, I recommend that you got to find a
town in the United States that's super boring that somebody
built a boutique hotel in and then you go to
that hotel and you do nothing but plan out your

(13:28):
business and your family and like your marriage stuff, like
what are you gonna do? We do that every single year.
I won't say the towns because I may upset the
leadership in these towns because I think they're the most boring, But.

Speaker 3 (13:40):
We do that every year.

Speaker 5 (13:40):
We'll do it in mid December to plan out for
twenty twenty six, and we always start with the fun stuff,
which is travel.

Speaker 4 (13:46):
And you know, if I was the mayor of a
boring town, I might want to wear that proudly. I
don't know, but then it could flip around. Who knows well,
Katie Kosev. Again, the company is.

Speaker 3 (13:56):
Side yep, the company Aside.

Speaker 4 (13:57):
The website is.

Speaker 3 (13:59):
Side dot com. Easy enough, right.

Speaker 4 (14:01):
It's so easyside dot com people are listening right now.
Those top performers are out there saying, well, I could
even jop this down. It's not that much work. Side
dot com people could check it out.

Speaker 5 (14:12):
And they can reach out to me direct. I'm happy
to assist or point them in the right direction. Instagram
is Katie dot cosv or yeah, just my email Katie
dot Cosive at.

Speaker 3 (14:21):
Side dot com. Easy enough.

Speaker 4 (14:22):
Phone number is yeah.

Speaker 5 (14:23):
Phone number is seven one three eight five four one
seven zero five call or text is AOK with me?
Seven one three eight five four one seven zero five.

Speaker 4 (14:33):
Oh and also you said something about a dog.

Speaker 6 (14:36):
Oh yeah, Callie, tell us about.

Speaker 4 (14:37):
Oh my gosh, my dog was named Calli two and
I named her after California.

Speaker 3 (14:42):
So did we look at that kindred spirits?

Speaker 4 (14:45):
What what kind of dog is? Well?

Speaker 3 (14:46):
I found during Hurricane Harvey.

Speaker 5 (14:49):
I was driving and taking like pizzas and food to
people in a kind of like the east side of
Houston that had been displaced. The water had just receded,
and I saw, actually with another real estate agent, a
friend of mine named Nicole Lopez, we were driving her
truck and I saw a little mount of fur in
a cul de sac.

Speaker 3 (15:08):
And I said, what is that?

Speaker 5 (15:09):
And we drove back and I think she'd floated away
from her litter. We picked her up, and I thought
as a chihuahua. Turns out it was not. She had
parvo and fleas and all sorts of other things. She
was I could get my fingers around her little neck.
She's a pit bull and she is my spirit dog,
and she's the best animal that ever existed. My previous
dogs have been great in life, but this is our
This is our daughter dog and she's a pit bull

(15:32):
mix of some sort and she's the best.

Speaker 3 (15:34):
Don't be afraid of pit bulls if they're raised, right,
you saved her, big fan. Yeah yeah, yeah, calast.

Speaker 4 (15:40):
Man, I'm getting chills. Cali Colli, the greatest Katie Coast
of Thanks. Let's tell people again side dot com.

Speaker 5 (15:46):
The phone number is seven one three eight five four
one seven zero five.

Speaker 4 (15:50):
And a quick word so your husband, we say hi,
and also the Cali thanks for being with us.

Speaker 3 (15:55):
Thank you.

Speaker 4 (15:56):
Well, as we continue, let's go kind of sorder all
the way to Buenos Aris, Argentina, because I know you're
out there thinking, what's real estate like in Argentina. Well,
we have just the person here today, Maximiliano Pablo gets.
His company is MG and I. He's all the ways
a broker owner of a company MG and I in

(16:18):
Buenos Aris, Argentina, and Max I got to tell people
right off before we go further that apparently you and
some of our Argentinian friends happen to be listened to
or have listened to the show. That's how I got
to know you. You came into town for the nar
and here you are here.

Speaker 7 (16:36):
I am and thanks for having me Bill, and it's
wonderful to be here. And yeah, yeah, we were here
at the nar which was my first experience, and it
was fantastic. Some some wonderful speakers, sessions were great, did
some meetings with you know, different people from different countries.
So all in all, just a wonderful experience. And now

(16:57):
I get to be here with you.

Speaker 4 (16:58):
So here you are. But you actually heard the show,
and I think some of your friends heard it somewhere
along the line, I guess on the internet, maybe YouTube.

Speaker 7 (17:05):
We had heard it myself, some of my friends, colleagues
and so forth, and I thought, I'm be in Houston.
What better way to kind of put the word out
and let people know about Argentina and Buenos Aiis then
coming on your show.

Speaker 4 (17:17):
Well, it'd be nice to broaden the listening base to
a little bit more, because I know you'll promote it
when you go back. In the meantime, Buenos Aris, it
sounds like a beautiful place. I know it's a tourist destination.
Let's tell people. First of all, let's paint a picture
of if someone's sitting there saying, man, I don't know,
I've never been there. It sounds nice. I've seen it
on TV. Paint the picture of what is Buenos Aires,

(17:39):
where you grew up and where you live and sell
real estate. What's it like.

Speaker 7 (17:43):
Well, I'll preface this by saying that most people are
more often than not surprised when they come to Winnesidis
or just Argentina in general. Argentina is the eighth largest
country in the world, and we have a very large
tourism market. The city of Nosiitis is very European. It's
very cosmopolitan, it's very Italian and Spanish, and it's flair,

(18:08):
which is one of the appeals that it has for
North Americans because it's something which is to a degree
far removed from the culture and the architecture that the
United States might have. By the same token, Europeans also
warmed to it because it's very similar to many of
the cities that you will find in Europe. But in
the case of people from the United States in Canada,

(18:30):
which is predominantly what we see, we find that they
arrive and they are just they become enamored with the culture,
the food, the architecture, the people, so much so that
we have had i would say countless cases of people
that met their significant other and married or had kids,

(18:54):
or decided to stay or brought their family. So it's
a very welcoming city. It's a large city. We're talking
about three million people. Would compare it to a New Yorker,
a Chicago in the sense that it's a large city.
It's a walkable city. There's public transportation, you absolutely do
not need a car to get around, and you know,

(19:18):
large pockets of different cultures. It's it's a country that
was raised and born of immigration, so it has become
a melting pot. Again, not to put too fine a
point on it, but a New York or a Chicago.

Speaker 4 (19:34):
Well, and you're saying that people are friendly, and that's
I think it's one of the things that you pick
up right away when visiting a city. I know, when
I first came to Houston many decades ago, I felt
a warmth right away, a friendliness, and for that matter,
it came from Chicago was pretty friendly there too, believe
it or not. But so people feel that a hospitality
feel they do.

Speaker 7 (19:53):
And I mean, I'm going to be partial because I
am from Argentina, i am from Buenos Aires, so obviously
I'm not going to be the one to say it's
not friendly, but I can objectively say that yes it is.
And it is a common denominator in my conversations with
people who would either come on a vacation or come
to you know, a PhD or for work or for whatever,

(20:16):
or even investors who are looking for a second home.
They love the the lax nature of things. You know,
they always say the grass is always greener. And as Argentines,
we always sometimes look to the north for the order
and for the by the book way of doing things.
But our international clients really warm to that lax nature

(20:39):
of things and the informality of I'm gonna knock on
this guy's door and go for a drink or for coffee,
and he'll open the door, and you know he would
not be expecting you, but he'll be happy to open
the door for you.

Speaker 4 (20:52):
And when you say the investors, where are the countries
that people come from for the most part to invest
in real estate, we're.

Speaker 7 (21:01):
Having people from all over the world, Europe, the United States, Canada,
pockets of Central America. Our particular niche is predominantly the
US in Canada and Western Europe as well.

Speaker 4 (21:13):
And the reality is real.

Speaker 7 (21:15):
Estate prices are very low when compared to other world
class cities, and Winosite is a world class city. I
would encourage you to come visit at some point and
you'll see what I mean. You are able to get
wonderful pieces of property in wonderful locations within the city
had a fraction of the price of what you would

(21:36):
in other world class destinations, and that I think is
the first box that is ticked with people where they say, wow,
I can get a one or two bedroom apartment for
one hundred and twenty thousand dollars in a very good
location of the city and it'll garner resale value.

Speaker 4 (21:52):
And I see you smiling because let's rewind that. Yeah, yeah, okay,
so let's rewind it and embellish that because I was
going to say that, I was just going to say,
let's talk about the price points max and then also
give us a quick bullet couple bullet points of let's say, okay,
you said you said one.

Speaker 7 (22:10):
Hundred and fifty, one hundred and fifty, less than that,
more than that, but one hundred and fifty certainly is
I would say the average of what we get with
people looking to just kind of dabble their feet and
buy a second home.

Speaker 4 (22:22):
So let's say two fifty just for this number, we
take two fifty me or someone else. We find a place,
we work with, you give us the bullet points. So
from the time that we pick a property, fly out
there to see it, you show us around, and we
buy it. What are the bullet points of the steps?
Maybe they're a little different than here, because I know
even between our states Texas versus Pennsylvania versus, there's steps.

(22:47):
So I want to buy a place. What are the
couple steps?

Speaker 7 (22:50):
There are things which are different, and I'm going to
get to one and one or two of those which
are going to be surprising in how different they are.
And because of so that, we like to say that
in addition to yes, working as real estate brokers, what
we do is a lot of handholding. We explain the
minutia of how things work in Argentina and what to

(23:11):
expect at every turn, at every step, because it's very
different from what you would expect in other places around
the world, maybe most especially the United States or Canada.
But to your question, let's say that you fly down
to Buenos Aires and we go around shopping for places,
and we're out looking at things for let's say one week,
you find the right place that you love. It has

(23:34):
a sticker price of one hundred, or you set two
hundred dollars, which, by the way, will get you a
very nice two to three bedroom, maybe sometimes even a
four bedroom, or a one or two bedroom in a
very very high end area of town. So needless to say,
you can do very well with that budget. It's a
very very healthy budget. You would make an offer on

(23:55):
that property. Let's say that we want to come in
at two ten. Assuming that that offer is accepted, we
move to a second step where all the due diligence
is conducted through our office as brokers and also through
a notary public. Now it's worth mentioning that the notary
public in Argentina is not the same as the notarypublic
in the United States. In Argentina, the notary public is

(24:18):
the last line of defense, and he is the one
responsible and charged with property title insurance, making sure that you,
as a seller, are who you say you are, and
that there's no leans or embargoes, and that as the buyer,
I have no risks in buying from you. So he
is wholly responsible for that transaction. Once everybody comes together

(24:40):
on the particulars, which is where we also kind of
come in and say, okay, Bill, you want to spend
so much, and the seller doesn't want to, you know,
go down to that price. You go back and forth,
offer counteroffer, whether without furniture, what have you, or as
signing data of twenty days, thirty days, whatever that might need,
but all things being equal, within thirty days, the signing

(25:02):
can take place and you get the keys. Now there's
one thing in the middle that I should mention, which
is not small potatoes, and it is the fact that
ninety nine percent of transactions in Argentina for real estate
are handled in cash. And when I say cash, you
got to think of Clint Eastwood with a bag of money,

(25:22):
plopping it on the table like those Western movies, and
the money is counted, sometimes with a dollar counter, sometimes without.
And that speaks to just cultural aspects of how things
are in Argentina and the fact that cash has always
been king, not just cash, but US dollars. Because real

(25:42):
estate is valued in US dollars. You will not find
real estate in Argentine.

Speaker 4 (25:47):
Pasos, which is our local currency.

Speaker 7 (25:50):
Because real estate for us is the silver bullet. We
don't have twenty year mortgages. We don't have a whole
lot of bank loans, although they are now rearing their
heads again. You pay cash on the bailhead. So that
becomes an interesting proposition for a foreigner who's got some
money lying around and wants to invest in real estate.
Given that Argentina once again is a world class destination.

(26:13):
And let's remember Argentina is the eighth largest geography in
the world. And we have beaches, we have skiing, we
have wonderful wine, we have the southernmost cities. You can
get good resell value, and property value goes up. I
always remember Mark twain by Land, they're not making it anymore.

(26:34):
You buy the property and over time you have an
investment which will gain in value.

Speaker 4 (26:39):
Okay, so most of the and I would imagine people
from other countries are going to be yeah, I'm going
to pay cash anyway. But let's say the locals you serve,
the locals there help I would imagine buyers and sellers.
So how often for them, if I lived in Argentina
or Buenos Aires, how often are people that you're working
with are taken a loan out loans like.

Speaker 7 (27:02):
We have loans under this presidency, which is now two
years in, we are seeing more and more loans. But
given that Argentina does have a little bit of a
mercurial nature about it, the loans sometimes disappear or the
rates go up higher than what people can pay, because

(27:23):
you have to remember that the salary, the average salaries
in Argentine basos against loans, which are for money that
isn't dollars.

Speaker 4 (27:30):
And then let's take a two hundred thousand dollars example.
Maybe it varies by district or parts of the city,
but average property tax on a two hundred thousand dollars home.
You have property tax there, right.

Speaker 7 (27:42):
We do, we have you're going to pay. Yes, the
property taxes, which we refer to as the city taxes
are You're going to think they're woefully low compared to
what United States cities might have. But let's say that
a property, a one bedroom property in an affluent location
in the city of weuenos Aires, which is Recole, just

(28:04):
to cite an example, five hundred square foot apartment that
might pay in property tax maybe in the vicinity of
a thousand or one thousand, one hundred dollars a year
a year.

Speaker 4 (28:16):
Pretty nice, Yeah, Yeah, we're talking with Maximiliano. Pablo gets
like saying your name Max, just saying so so many
great things. I think people are thinking. Hmm, I'm interested
two words about. Give us a word on weather. What's
the weather like it looks when I've seen pictures at
sunny beaches, things like that.

Speaker 7 (28:36):
We've got all four seasons. Awesome, we're in summer right now,
although it's cooler down there than it is here. And
I have a bone to pick with Houston about that.

Speaker 4 (28:46):
I've had that same bone for years. But it's we
have all four seasons.

Speaker 7 (28:50):
And for those who are snowbirds, our winters are again laughable.
If we do fahrenheit, we do centigrade. But if we
do fair andhe our winter is never go below in
the city of ba at least never go below upper
upper thirties or lower forties. What's the hottest it gets January?
The month of January, we can get well into the

(29:12):
one O two, one five.

Speaker 4 (29:14):
Is there humidity? Yes, okay, horrible humidity? Oh man, horrible.
We're familiar with that here in Houston. It's like here
in July. It's basically here in LA And then what
about the food? Tell us a word. You've been here
in Houston a couple days. By the way, people who
are listening, Max is actually here in the studio if
you didn't pick up on that. But you've been here
to Houston now a couple of days now, and of
course you live in Buenos Aires's the what's the Buenosaire's

(29:37):
food like that that we might not be able to
get here in town.

Speaker 7 (29:40):
Let me first say that this is my second trip
to Houston.

Speaker 4 (29:43):
I love the food in Houston.

Speaker 7 (29:44):
I think you've got some of the best text mix
I've ever had, and I also have friends who live
in Houston, so Houston has kind of a special place
in my heart. We are very well known for beef.
We export beef, and it's I think, after soccer or football,
whatever you want to call it, and the previous pope

(30:04):
who was Argentine, I think that beef is probably what
we're best known for, in addition to wine. So anyone
who comes to Argentina, one of the things they love
to do is go for what's called an asato, which
is really nothing more than a barbecue very many different
cuts of beef. It doesn't stop there, though, because we've
got wonderful produce there's endless farmland, and so we have

(30:28):
really really good produce as well. Our chocolate's not bad either.
Our ice cream is not bad. I've had many people
from Italy saying, hey, man, your ice cream is Yeah,
your ice cream has nothing to envy the gelato in Italy.

Speaker 4 (30:41):
Well, and also on your website, evidenced by your visit
here to the Naar Show and to our show here today,
but on your website I saw where it's where you
have their local realty, international mindset. Yeah, you're interested in
the world. You're helping people all over.

Speaker 7 (30:58):
Well, I grew again. My family was and is from
the United States. I am an Argentine fellow. I was
born and bred in Argentina, and I went to the
International School in Winnosiitis. So I was raised with people
from everywhere around the world, you know, you name, the
United States, Canada, Japan, China, Russia, places in Africa, and so.

Speaker 4 (31:20):
That really broadened.

Speaker 7 (31:23):
My horizon from a very very early age. And then,
to be perfectly honest with you, I didn't find real estate.
Real estate kind of found me. It started as a
job which then progressed into a career and I decided
to professionalize it and the niche I felt was always,
you know, helping foreigners, because again we what we do

(31:45):
is handholding, and it's probably my favorite part of the job,
sitting down with someone and explaining the particulars and giving
them the peace of mind of Okay, look Bill, now,
this is gonna happen, and they're gonna call us in
about two or three. I can't tell you the amount
of times someone has said, huh, that's not how it
works in the United States, or huh, that's not how

(32:06):
it works in Germany. And so I say, look, we're
going to go into a slippery slope if we start
on that one, because you take anything you know about
how things are done and it goes out the window.
Because Argentina is its own animal.

Speaker 4 (32:18):
Well, Max, people are listening right now. I think they
want to reach out to you. Let's tell them how
they can reach you.

Speaker 3 (32:24):
Uh.

Speaker 7 (32:24):
The best way is my website which has all of
our information, including social media channels, which is mgotts dot com,
mg ot z dot com.

Speaker 4 (32:34):
Uh.

Speaker 7 (32:34):
If they want to email me, it's Max at mg
otz dot com. We have a US number, we have
an Argentine number which has WhatsApp and other other tell
them the US number. US number is eight o five
two five three two three eight eight again eight oh
five two five three two three eight eight. And I

(32:57):
want to also say you can google Max and find
him on one of the episodes on house Hunters, which
is interesting to see that.

Speaker 4 (33:04):
Yeah.

Speaker 7 (33:04):
Yeah, we were on an episode a couple of years
ago and that was probably one of the single most
fun experiences.

Speaker 4 (33:12):
And I think that next to this one, next to
this one, of course, or up until now.

Speaker 7 (33:17):
But I do believe that we hold the privilege of
being the only licensed real estate professional on that show
from Argentina.

Speaker 4 (33:24):
Max.

Speaker 7 (33:24):
The website again is mgotts dot com. That's mgotz dot com.
Thanks for being with us, Thank you so much, an
absolute pleasure. Real Estate Matters with Stuart Title would not
be possible without our partner, Stuart Insurance. With a focus
in real estate and a special focus on real estate brokers,
Stewart Insurance creates insurance plans to address the risks facing

(33:44):
our industry today. They invest a significant amount of time
helping real estate broker owners offset and manage their risk.
Once again, John brownlet was Stewart Insurance is here right now.

Speaker 8 (33:55):
Thanks for having me Bill always a pleasure to be back.
So yeah, so when you're ready to start your broker
you've got a place to go and then you can
help Katie have side to start to have offerings and
wuenas ares. You could be sites first buenas areas brokerage.

Speaker 4 (34:10):
You just know the possibilities when people that think about
have a vision or inspiration or both. I mean, there's
so many possibilities in life.

Speaker 8 (34:19):
And Max, Max may want to come to Houston and
he could be a side brokerage in Houston.

Speaker 4 (34:23):
I think he likes Houston's I think that's what I
was getting.

Speaker 8 (34:26):
Anyway, insurance everybody loves it. Favorite topic ratings jump Well.
Katie talked a little bit about planning and that she
and her husband spend some time intently on looking at
the upcoming year, and I think, I guess that was
kind of my thought today, excuse me, was help having

(34:50):
people plan for next year and some of the ways
that that Stuart Insurance can be of value to our listeners,
whether they be real estate professional or real estate brokers,
property management firms or independent Titland attorney agents. That there
are some things that some tools and some offerings that
we have that can help, you know, both the brokerage

(35:12):
itself as well as their teams, you know, grow and prosper.
So I think there's a couple of things that I
wanted to share today. One just as a reminder that
we do have continue education classes that we can offer
throughout the state of Texas. And while we have clients
all over the US both from a business and a
personal perspective, we offer continue education throughout the state of Texas.

(35:34):
So we've got three classes. The first one is the
two Sides of Water and it's a two hour class
and in that class we look at water damage from
two perspectives. So first of all, from a flood, so
there is a specific definition of what a flood is,
so we get into what that definition is. And then
we talk about flood insurance and there are two options there,

(35:56):
the flood insurance from the National FIRND insurance programs from
private insurance companies. So we look at the pros and
cons of these types of coverage. The second type of
water damage would be water damage that potentially could be
covered by a home insurance policy. So there are four
types that we cover and we look specifically at those
and with the understanding that not all policies are the

(36:19):
same and not all policies provide that type of coverage.
And then we look at some other key elements within
a home insurance policy that realtors could guide their clients
at least give them some questions and some things to
think about, to go and talk to their insurance advisor
to make sure they have that proper coverage or at
least understand what they may be giving up in order,

(36:40):
let's say, to get a premium that they would need.
So that's the two sides of water, and that's a
two hour class. The second to hour class we have
is Property Insurance Essentials for real estate Professionals. One of
the keys from an insurance perspective that a realter and
a broker need to understand is this idea that how
a piece of property is being new lies is going

(37:00):
to drive the coverage that it has or should have.
So if you have a home that's going to be
your primary residence and you're the person that owns it
or we'll be owning it, then we have a home
insurance policy. But if you're going to be vacant for
a significant amount of time at some point, that home
insurance policy goes away and you've got a vacant home policy,
or if you're buying that home, but it's going to

(37:23):
be a short termental or long terminal, that's not a
home insurance policy. That's a different type of coverage. So
we go through different areas all the way to vacant
land and potential coverage if somebody had a piece of
vacant property. So that's a really great class. And then
we also because it affects all six different types of
property or property use, we spend a little bit of

(37:45):
time talking about flood insurance as well. And then the
last one is a three hour class real estate liability.
Reduce your Risk. So we begin talking about what risk
is and what's the potential cost of a risk. Then
we look at ways that you can minimize or offset

(38:06):
that exposure, So what is the risk, what's the exposure,
And then we look specifically at eight risks that realters
face every day, and it's a bit of a reminder
that these are things that you face every day. And
then we look at seven ways that they could enact
that day that can offset or minimize the chance of
those risks happening. And we do that through a couple
of case studies, and then we wrap up a discussion

(38:29):
looking at three different types of business insurance for the
brokers in the room that could assist in offsetting that risk.
We look at arison, emissions coverage, general liability coverage, and
cyber liability coverage.

Speaker 4 (38:41):
So much valuable information is there, and I would think
at this time, well way before today, I would imagine, John,
you have put your schedule together for next year. As
far as going out there teaching the classes. I know
the Two Sides of Water has been a hit year
in year out. I understand that there's some famous actors
are in line to actually portray the class along the way.

(39:03):
So it's just it's a crowd favorite. I hear, well,
it really is.

Speaker 8 (39:07):
Mister Pitt has been wanting to play my part, and
we're in negotiations with him now. Strong resembling, strong resemblance, yes, exactly, Yes,
yes he's not a naggy though. No he's not, but
we can overlook that. But no, they are, and I
am in the process of working to schedule. You know,
we as you know, we've one of the avenues that

(39:28):
we teach the classes are through the Houston Association of Realtors,
so I already have my schedule with them for the
first quarter set up. I've begun working with some of
our local bdos at Stuart Title on scheduling classes with them,
as well as having conversations with real estate brokerads on
meeting with them directly as well and teaching the classes

(39:48):
at their offices. So it started that process.

Speaker 4 (39:51):
And I was going to remind people that's right. Our
Stewart offices are many around this city, and you go
there on a regular basis, work with our team, our
salespeople at our Steward Title offices. But that's not to
say correct me if I'm wrong. If there's a real
estate broker out there listening boutique or otherwise and they say, hey,
I heard John talk about is maybe he needs to

(40:11):
teach any of the classes you mentioned, you would entertain
that as well.

Speaker 8 (40:16):
Absolutely get that bitting, that's a great that's a great
way to teach it. We there's always good attendance when
you're at the brokerage office, and it also allows us
to begin to build a relationship with a broker as well.
So all three have their benefits and we're pleasantly pleased
and honored to be able and feel grateful to be
able to do that, you know, regardless of whatever the

(40:39):
best way is for our prospective clients to benefit from it.
The other offering that we have that we've launched this
year that we're really excited about is insurance plan assessments,
And what we're doing is we're working with law firms
that are predominantly real estate independent title agents in real

(41:00):
estate brokers and taking a look at the coverages that
they have. So it's a very simple process and that
they would they provide us the policies that they have,
and through the experience of our advisors and through some
use of some interesting artificial intelligence programs that we have,
we come back and we provide an analysis of the program.

(41:22):
So we'll take a look at the policies that you have.
We'll take a look at you know, do you you know,
We'll take a look at policies.

Speaker 4 (41:29):
Do you have those, what they are.

Speaker 8 (41:31):
What are the recommended limits, and how does it compare
to what we feel like you should have. So in
some cases it can be you're really solid. In some
cases it could be everything looks good, but there are
a couple of holes here that we want to consider
or you know, there's a red light, hey that you
know what there's You've got some gaps here. Many times,
what we'll find, for example, is they're very generic policies,

(41:53):
policies that aren't wrint specifically for that industry or for
that element within the real estate world, and that's where
those gaps for interpretation can occur. So that's where that
really comes into play. Part of that analysis is getting
understanding of their business. Where is it going to go.
Not too similar to what Max does with his clients

(42:14):
or what side does with their incoming brokerages. You know,
what are your objectives? What are you trying to accomplish?
So are you going to be changing how you offer
what you offer? So that goes into play and the
types of coverages that they need to consider. And then
the last element of it is just kind of a
risk management evaluation. Talking to them, but what are the
things that you do as an organization or don't do

(42:36):
as an organization to minimize risks? Because we're seeing more
and more insurance companies are expecting and demanding that real
estate businesses in act risk management programs prior to even
obtaining coverage. So that's where that comes into play. And
then it's again I said, this has done it no charge.

(42:57):
We share, we review the information, and the folks that
we share this with, whether they be a title agency
or a brokerage, then they can do with it as
they wish. Obviously, hopefully we would love to be able
to work with them, but it's just we feel like
it's a value that is needed out in the marketplace.

Speaker 4 (43:14):
John, let's tell people how they can learn more and
reach Stuart Insurance.

Speaker 8 (43:18):
Well, you can learn more of visiting us at Stuart
Insurance dot com. You can email us at Stuart Insurance
at Stuart dot com, or call us at eight sixty
six seven ninety eight two eight two seven. That's eight
sixty six seven ninety eight two eight two seven.

Speaker 4 (43:33):
And let's say I'm in another state like Michigan, California.
What number should I call?

Speaker 8 (43:38):
Well, we've always had the California hotline, that we've just
added the Michigan hotline and that's eight sixty six seven
nine eight two eight two seven.

Speaker 4 (43:46):
John, thanks for being with us, always a pleasure. Bill Well.
Property tax is also very exciting to talk about. There
have been some changes. Our good buddy a League Galon
with American Property Tax Service. I call him the property
tax superhero. He is back with us. But you can
tell us about some of the changes here that just

(44:08):
went down, and I think it's good news today. Welcome Ali.
How are you Bill?

Speaker 6 (44:13):
I love being on your show. It's always an honor,
it's a blessing. Thank you for having me.

Speaker 4 (44:17):
Well, it's good to see you once again. But I
saw you on a Facebook post which inspired me. It
was very concise, it was very good news. Let's tell
people just I would say, a few weeks ago, maybe
what changed with property taxes in Houston, Texas that we
should know about.

Speaker 6 (44:34):
Well, actually it happened in the entire state of tex
entire state. Better yet, So basically, show up to elections.
Please vote, if you get out there, it's very important.
It could affect you immensely. It could reduce your tax
burden by thousands of dollars. It may totally exempt you
from property tax. Which are three of the major things

(44:55):
I'm going to be talking about. I'll try to make
it as brief as possible. But the first one of
efex homeowners people with homestead exemption. The second one effects
also homeowners with homestead but elderly and with the disability.
And the third one focuses on business owners. Business owners,
if you're listening, reach over and turn this up.

Speaker 4 (45:16):
Turn it up with number one.

Speaker 6 (45:18):
Go all right, so we'll go with the homestead exemption
for you know, people that are not elderly, just regular
homestead leperation. So we have increased the homestead exemption from
one hundred thousand to one hundred and forty thousand dollars.
So that difference of forty thousand dollars is probably will
equate to about one thousand to about fifteen hundred dollars

(45:39):
extra or actually less in taxes. You'll have to pay
savings in savings. That's correct now, since the election was
November one, sorry November fourth, the law actually goes into
effect January first of twenty twenty six, which encompasses the
entire calendar year of twenty twenty five, because taxes are
not due until January thirty five, first of twenty twenty six.

(46:02):
So if you wait and pay your taxes in January,
you will see that there's about a fourteen hundred to
fifteen hundred dollars less than last year, or savings rather
on your on your property tax. Now the second one,
the second proposition, that's Proposition number eleven that affects senior
citizens and people with disabilities. It raises that exemption from

(46:24):
I believe sixty from ten thousand to sixty thousand. So
that's fifty thousand dollars extra as well. So to the
elderly and disabled, that increase in their exemption value gets
piggybacked with their homestead exemption as well. So it's a
very rich saving. Yes, it's a very rich exemption. And

(46:47):
the last proposition that you know Texans voted for was
Proposition number nine. Now this is the most important one.

Speaker 4 (46:54):
I believe.

Speaker 6 (46:55):
So there is a tax called business personal property tax.
Every thing you see in this studio, this chair, this table,
this microphone, this computer, this soundboard, this camera, anything that's
not attached permanently, you know, to a business that's used
to generate income is taxed in the state of Texas. Now,

(47:16):
things like inventory, vehicles, these are also considered business personal
property tax. The only thing that is not considered is
software because it's an intangible or any intangible is not
considered and it's not taxed. Now that being said, there
is one hundred and twenty five thousand dollars exemption for
all businesses. All businesses, it doesn't matter what your value is.

(47:38):
So your average business that has like a smoothie shop
or a small jewelry store or dry cleaner, if the
value is one hundred and twenty the business personal property
tax values under one hundred and twenty five thousand dollars,
you pay zero tax from here on out. Now, let's
just say your business is again one hundred and twenty
five thousand dollars in value. That's on the county's website.

(48:01):
If you go pull up your business on the website
and for example, your value is one hundred and ten thousand,
six hundred, you're going to pay zero property tax. Now
let's just say, well, I have a business, but you
know they've got me value. I'm a transportation company. They
have me valued at you know, five hundred thousand dollars. Well,
one hundred and twenty five thousand dollars is coming off
of that. So I like to say every one hundred

(48:23):
thousand dollars is about three thousand in property taxes, so
one twenty five is about four so four thousand dollars.

Speaker 3 (48:29):
That's huge.

Speaker 6 (48:30):
I mean, especially for the small businesses that are trying
to make it not necessarily going to save them that
much money in the long run, but what it does
save them with is small businesses. They have so much
responsibility right now. They can't go look up their tax bill,
paid on time, pay it online, send a check.

Speaker 3 (48:48):
They forget.

Speaker 6 (48:49):
They're so focused on their business that if they miss
the January thirty first do date, they'll incur penalties, interest
and you know, and then pretty soon, you know, the
county will file you judgment against them. And that's no
way to run Texas businesses, especially small ones.

Speaker 4 (49:04):
All good news, all great news. It's an under kay
American Property Tax Service is what you're doing. You're helping
people with their property tax and businesses with their property tax.
That's correct. Ali. Let's tell people how they can reach
you if they want more clarification or if they want
help with their property taxes. Sure, so.

Speaker 6 (49:22):
My phone number is seven to one, three nine eight
five nine nine seven to two. I can also be
reached at A L I A G I L A
n at gmail dot com. That's basically Aliagalan at gmail
dot com. And my phone number again seven to one,

(49:43):
three nine eight five nine nine seven to two, and
we're with American Property Tax Service here in Stafford, Texas.

Speaker 4 (49:51):
Look up in the sky, it's a bird. It's no,
it's a Lee Galon, Remember Superman, I do. Thanks for
being with us as we wind up the show, Katie
Kosev the company is side so easy to spell s,
I d e. Katie, welcome back. What else should we

(50:13):
know before we close things down here on the big show?

Speaker 5 (50:15):
I think twenty twenty six is going to be a
great year for real estate all the way around. So
keep your head up, have a good time, sell more
real estate. I could keep going if you'd like me too.

Speaker 4 (50:25):
Yeah, go ahead just a little bit. But you know,
I really there's so many takeaways and learning from you
here today. I like what you said is so important.
I've done that for years. But yeah, find an obscenic place,
whether it's a hotel, another place, and plan for the year,

(50:46):
for the month, the quarter, however you do it. Reach
make sure.

Speaker 3 (50:49):
There's nothing outside that you want to go see at all.

Speaker 5 (50:52):
Right, just got to like stay there and you know,
get the plan down for the upcoming year. Yeah.

Speaker 4 (50:58):
And then the welding. Did you already the welding class?

Speaker 3 (51:01):
No, But there's actually a word.

Speaker 5 (51:02):
Books are labs in Houston that does like some really
cool classes of this nature.

Speaker 3 (51:07):
So yeah, check it out.

Speaker 4 (51:08):
I would imagine you start small with a couple pieces
of metals, put the helmet on.

Speaker 3 (51:12):
Brother is going to have me over. He does this
as a hobby too. But yeah, I've got a whole
like you know, the whole, the whole suit.

Speaker 4 (51:17):
Well, when people see the YouTube video at radio Bill
Orstewart dot com Forward Slash Radio, they're gonna lament because
the welding helmet will mess up your hairstyle.

Speaker 3 (51:26):
Perhaps you know what, It's okay, why would I survive it?
And it protects my eyes? I'm good.

Speaker 4 (51:30):
Well, once again, remind people's side is yes Side dot com.

Speaker 5 (51:35):
It is a company that partners with high producing real
estate agents to create their own boutique brokerage.

Speaker 4 (51:40):
Check it out, no doubt about it. Katie, thanks for
being with us. And your phone number again is.

Speaker 3 (51:45):
It's seven one three eight five four one seven.

Speaker 4 (51:48):
Zero five Katie Kosif.

Speaker 3 (51:49):
KATIEKOSIV k O S S E V.

Speaker 4 (51:52):
Katie, thanks for being with us.

Speaker 3 (51:53):
Thank you so much.

Speaker 4 (51:54):
And now back from Buenos Aire's a final word with
Max Eleano. Let's pick up where we left off Max
house Hunters. How'd you get on the show? People love
that show? Maybe people love real estate shows in general
TV or otherwise, but how'd they find you? Part of
one of the legs of our businesses.

Speaker 7 (52:12):
We use Airbnb and a few other places for vacation rentals,
and so one guess that we had worked for the
production company that did House Hunters. So about that, Yeah,
it was kind of kismet, I guess, and they asked
me and then just kind of evolved into doing it,
and they set up the date and time, and that's

(52:33):
how it happened.

Speaker 4 (52:34):
So as you planned for twenty twenty six there in
Buenos Aires, you made your trip here and you have
big plans for twenty twenty six.

Speaker 7 (52:41):
We are continuing our work with foreigners because Argentina just
continues to be on everybody's lips for many reasons, not
least of which there's been a commercial dealstruck just a
few days ago with the United States. Just people looking
to invest and looking to expand on on their investments
and diversify. It certainly doesn't hurt that we are still

(53:04):
in what I could call a buyer's market in Argentina.

Speaker 4 (53:07):
And Buenos AIS, and you're the guy to call at
your company, which is mg n I.

Speaker 7 (53:12):
Our website is mgotts dot com, mg otz dot com.
Our US number if they wish to text or call
our US number eight oh five two five three two
three eight eight. It's once again aight oh five two
five three two three eight eight.

Speaker 4 (53:29):
Max. Thanks for being with us, and thank you all
for listening to Real Estate Matters with Stewart Title. I
am your host, Bill Knappik right here on the Big
Show along with John Bramlett, all of us at Stuart
Title Stewart Insurance. We appreciate listening, even if in your
join us Aris. That's awesome, Max. It makes me think
there may be people in other countries listening to the

(53:49):
show just like you did, and they may come on
for sure. For sure, let's get them on super awesome.
Check out the show at Stuart dot com, Forward Slash
Radio or Radio. Bill. We'll see you next week. Thanks
for listening.