All Episodes

September 3, 2024 • 40 mins
Mark as Played
Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Kodo, president of Lincoln Lending Group and
he won three mortgage for twenty years right here in
Tampa Bay, joined by his incredible co host Rosa Bahiti
and Senia Akishna, top producing real estate agents with Mahara
and Associates. These three bring nearly five decades of experience

(00:21):
in the local real estate market. If you're looking for
real estate or business advice, no matter what your experience level,
the Business Happy Hour team has been there for you
for almost a decade right here on news radio WFLA. Now,
sit back, relax, and get ready for some serious real
estate and business talk with three of Tampa.

Speaker 2 (00:38):
Bay's top experts. Here's Frank the Bank.

Speaker 3 (00:41):
Hey, Tampa Bay, welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial.

Speaker 2 (00:47):
And I got Sennia looking at me over here, like
my god.

Speaker 3 (00:50):
You're in the middle of typing right there, and you
just jumped on the radio because.

Speaker 2 (00:53):
I love doing this. I love what I do. I
love coming into the studio with you two ladies. How
are you doing today?

Speaker 4 (00:59):
Great?

Speaker 2 (00:59):
Who's part.

Speaker 4 (01:01):
I'm doing well? Busy.

Speaker 2 (01:03):
Busy. Busy is a good thing.

Speaker 4 (01:05):
Busy managing projects, Busy working with clients, busy.

Speaker 2 (01:09):
Busy show showing houses.

Speaker 4 (01:11):
Not many showings when I have a few contracts pending
and then closings coming up. We have a closing SENI
ANDAs we just.

Speaker 5 (01:18):
Got our approval, this is like a deal that's getting
funded by a trust. Yeah, so we're really first for us.

Speaker 6 (01:24):
But we just got the green light today.

Speaker 3 (01:26):
So what do you what do you mean funded by
a trust? Explain that to our So our.

Speaker 4 (01:30):
Client inherited from both her parents when they passed and
it was put into a trust, and so the board
of trustees, I guess had to meet and then they
had to review our contract and our inspections and then
approve or declined.

Speaker 6 (01:46):
Lots of other data. So they're pretty much just making
sure they're getting into a good home.

Speaker 2 (01:50):
You know.

Speaker 5 (01:50):
We bound our insurance coverage early, just kind of gave
them everything saying hey, we're we're ready to go, and
they they agreed and gave me the green light.

Speaker 4 (01:58):
Also, that reminds me we did provide the data for
the comps and additional information backing our offer price to
make sure that the value is there too.

Speaker 2 (02:07):
Were you required to do that?

Speaker 4 (02:09):
They requested it, I think said.

Speaker 5 (02:11):
As much info as we can give them for their
review is best. So we just kind of gave them
everything we could think of.

Speaker 2 (02:17):
And so this is actually a great topic.

Speaker 3 (02:20):
I'm going to go back and kind of reintroduce us
because I just jumped right into it today and started
asking Rosa questions. But this is a great show topic.
We're actually going to talk about it today since we
have a reschedule in one of our guests that's going
to come on next week instead. But we're going to
talk about buying from a trust, We're going to talk
about holding title in a trust, and we're going to

(02:40):
talk about closing in a trust. Right now that you
brought up trust and you're experiencing this and walking through it,
I think it's a great subject for the show.

Speaker 4 (02:49):
Break making it seem like we're the experts.

Speaker 3 (02:52):
Oh oh, they're like, oh no, they're sweating the experts.

Speaker 6 (02:55):
So what's he going to ask me?

Speaker 2 (02:58):
What's going to happen?

Speaker 3 (03:00):
So if you're on Instagram or Facebook, make sure you
guys like and share, send it out there so everybody
can hear about what happens when you buy from a
trust with a trust and a trust all these trust
trust trust.

Speaker 2 (03:09):
Who are you going to trust?

Speaker 3 (03:10):
I don't know, but if it's your first time listening,
I am Frank Thebank Cooto, the owner of Lincoln Lending
Group and eight one three mortgage dot com. Your host
in studio with my amazing co hosts. We have a
Rosa Vahdi. How you doing, Rosa?

Speaker 4 (03:22):
I'm doing great, thank you?

Speaker 3 (03:23):
And Sinya Akeisha, how are you? Sinya always great? Love
being here you always.

Speaker 6 (03:29):
And we're with Mahara and Associates.

Speaker 5 (03:30):
That's right, one of the top independent brokerages in the
Tampa Bay area.

Speaker 2 (03:34):
How many agents does Mahara have now? It's like one hundred,
it's over one hundred, over one hundred.

Speaker 6 (03:39):
Yeah, we're kind of teating there. The one twenty number.

Speaker 2 (03:42):
That's a good number.

Speaker 6 (03:43):
We like that number.

Speaker 2 (03:44):
It's good boots on the ground for us. Yeah.

Speaker 3 (03:45):
Manageable right right, which you think a lot of people
are like, my god, a company with one hundred employees,
that's that takes a lot of management. But when you
have a guy like Ray Mahara, who is available, who
is working like literally like seven to ten every day
and I don't mean seven am to ten am h
every day, nights and weekends.

Speaker 2 (04:02):
I mean he's he's there for you, you guys and girls,
and gets it done.

Speaker 4 (04:05):
And speaking of that, I want to know about how
you started your team in one of our segments and
what brought you to that point and where you knew
you had to bring on someone or people, and then
basically your whole story.

Speaker 5 (04:18):
Yeah, we've kind of gotten it, you know, first forgetting
to know each other. But I want to get into
all that.

Speaker 3 (04:23):
Okay, I'll write that down, Frank team story. It's actually
there's a really really cool story to that, and I'll
give a major props to one of my vice presidents,
Jeff Sebring, because he has an integral part of that story.
But it's a very interesting business story as to you know,
sometimes you are forced to do things for.

Speaker 2 (04:42):
Good or bad.

Speaker 3 (04:43):
You know, we had a lot of changes happen. I
was walking in with Senny this morning and she's, you know,
I'm normally not stressed. You know today I'm actually stressed.

Speaker 2 (04:50):
I don't know. The only way you can tell is
I just told you right? Yeah, but no, I am.
I was up late, got up early.

Speaker 3 (04:58):
We had some some changes, some unexpected changes within the
corporate structure. And when that happens, you know, the old
saying is s flows downhill, and I happen to be
at the bottom of the hill. So I'm having to
deal with some things and make some changes. But it
all ties into being forced to do these things. And
one of the things sometimes you're forced to do is grow,

(05:19):
or hire or seek help and rosa. There is absolutely
a time that you should do it, and there's a
time when you're forced to do it.

Speaker 2 (05:27):
So we'll talk about that today.

Speaker 3 (05:29):
We always like to do the stats. Senny always bring
some great real estate stats. But I do want to
remind you this is a real estate and business show,
so we are going to talk all of our thoughts
on real estate and give you some advice. I'll talk
a little bit about interest rates, since I do own
Lincoln Lending Group for twenty two years here.

Speaker 2 (05:44):
In Tampa and we got voted best to the Bay
again woo twenty twenty four.

Speaker 3 (05:48):
I had no idea even in this. I know I'm
looking for an appause button here. Oh, I'm trying to
find it. Here we go, Oh, well, we'll find it
really Oh there he goes Burlander got me, Thank you, James.

Speaker 4 (05:57):
But during associates got one best thing we did.

Speaker 3 (06:00):
You guys wanted to get into what what are the chances?

Speaker 2 (06:04):
That is crazy? Okay, boom, just like that and we
blow it up. I love it. So we're going to
talk about that. You've got some great real estate advice.

Speaker 3 (06:11):
But let's say they need to know, like obviously, for me,
they can go to contact Frank Thebank dot com or
just text me or find me at Frank What am
I Frank the Bank codo on Instagram?

Speaker 2 (06:21):
I think something like that. How about you, ladies, that's
for you know what?

Speaker 6 (06:24):
We like the phone, do you honest?

Speaker 5 (06:26):
So if they can call us at eight one three,
seven five five reel, that is the best way to
reach us. We'll grab that call and we can actually
have a conversation. But if you want to just go
on the website first, that's the real Deal Tampa dot com.

Speaker 3 (06:39):
The Real Deal Tampa dot Com. That is the website.
And I'm sure they can request a call from the website,
right yep.

Speaker 4 (06:44):
Yep, they can submit an enquiry. I think through it
there might even be a phone, but I don't know.

Speaker 6 (06:48):
It's all the bells with whistles.

Speaker 3 (06:49):
Hey, you know what I'm gonna find out while we're
sitting right here. What happens when we go to the
Real Deal Tampa dot com. Because we haven't done this
in so long.

Speaker 2 (06:56):
Here we go.

Speaker 4 (06:57):
I know our numbers are on it too.

Speaker 2 (06:59):
Here we go, read old Deal Tampa dot com. Here
it comes, just pop, try it up.

Speaker 3 (07:06):
Nope, now because my internet's not working, so we'll try
this again.

Speaker 2 (07:10):
There you go. Well, there we go. All right, Oh
dang it, I got it up. It looks like a
little browser issue.

Speaker 3 (07:15):
Anyway, When you go to the Real Deal Tampa dot com,
you'll find a way to contact the girls, uh Cinia
and Rosa, but you can also call them at seven
five five real and we love giving real real estate advice,
by the way, and we're gonna be talking some business
stuff today as well, before we get into stats.

Speaker 2 (07:32):
Ladies, did you know that fall is here? It's here?
Like my son and daughter is more like, hey dad,
it's not summer anymore? Like what does that mean? It's
like you can't wear those shirts?

Speaker 6 (07:42):
I was like, yes, I oh, come on, we live
in Florida. You can always wear those shirts.

Speaker 2 (07:46):
Yeah, I mean I think you can.

Speaker 3 (07:50):
This morning, a little bit of a fishing shirt. I
guess you know it's a hook.

Speaker 4 (07:54):
No, but you did it with the nice shorts.

Speaker 3 (07:57):
I did, I guess I am. Well, thank you for
noticing Rosa. Yes, she didn't even hug me today.

Speaker 2 (08:04):
So she could not confirm if I showered or not.

Speaker 3 (08:07):
But yes, I did, Thank you. I took a nice
little shower today. The no se I think we're in Florida.
We always were relaxed, and you know, I think a
lot of people like when they're coming here to look
for houses. I've made client clients have made comments before.
It's like, are you guys always just in like T
shirts and shorts and sandals?

Speaker 2 (08:21):
And I'm like, yes, yeah, I mean, isn't that right though, right?

Speaker 3 (08:25):
Sonya?

Speaker 2 (08:25):
Like if you can wear sandals?

Speaker 6 (08:27):
And yeah, if you can, why not?

Speaker 2 (08:28):
Right?

Speaker 3 (08:29):
I mean that isn't that why people move here? Like
you're coming out of Michigan or Illinois or New York
and it's freezing already right now? Hopefully I see some
of you guys talking about an echo.

Speaker 2 (08:39):
Let us know if you hear anything weird. I think
you got it fixed over there.

Speaker 4 (08:42):
No, I just put mine on mute.

Speaker 2 (08:44):
Yeah, that is that is weird? Okay, well, well see
what happened.

Speaker 3 (08:48):
Let us know, though, Instagrammers, if you hear something and
if it doesn't sound right or look like. I know
one time we had our microphones turned off and then
people are like, yeah, that was a great show.

Speaker 2 (08:55):
I didn't hear anything.

Speaker 4 (08:56):
Nichole said, it's still echoing.

Speaker 5 (08:58):
Come on, Nicole, Well maybe it's the thing with the microphones,
like maybe like we just need to leave one on.

Speaker 2 (09:04):
Yeah, but last time we did that, it didn't It
didn't really transmit very well.

Speaker 6 (09:07):
And I wonder if maybe we all.

Speaker 2 (09:10):
I don't know, Okay, try it. I'll leave mine on,
pull years off.

Speaker 6 (09:14):
Yeah, you're the loudest.

Speaker 2 (09:15):
Well let's find out.

Speaker 3 (09:17):
Okay, here we go. So now now everybody but mine
is off. Instagrammers, tell us what's happened. Ladies talk and
see what happens. Can you hear Rosa and Sanya?

Speaker 4 (09:25):
Can you hear us?

Speaker 6 (09:26):
Can you hear us?

Speaker 2 (09:28):
Can Nicole?

Speaker 4 (09:29):
Brian? Anyone?

Speaker 2 (09:31):
Yeah?

Speaker 4 (09:34):
Brian says good, good, So we I think we have
to just leave one Mica and just speak up so
that we can all be heard.

Speaker 2 (09:41):
Okay, Well says.

Speaker 3 (09:42):
Better you can hear Cennya tell us about stats. Let's
see what she has to say.

Speaker 6 (09:47):
Oh, the stats.

Speaker 3 (09:48):
Okay, somebody text me while she's talking to make sure
you can hear her stats.

Speaker 2 (09:52):
That's what I want to know.

Speaker 5 (09:53):
Okay, all right, so let's just get into it. And
you know, it's been a slower summer as we all know.
The one thing I want to say out stats is
that you know, the things you hear in the news,
I think it's just you know, the national numbers, right,
but I mean Florida, We're not the same as you know,
Ohio or New York. So the stats that I give.

Speaker 6 (10:12):
Are for our area.

Speaker 5 (10:14):
Okay, you no, particularly Hillsborough County, Pasco panelas and the
MSA actually includes Hernando as well, so just very concentrated areas.

Speaker 2 (10:23):
So it's the four counties right here.

Speaker 5 (10:25):
It's the four counties right here. This is not like
Orlando or Jacksonville. So you know, our numbers are just
you know, for our little area.

Speaker 2 (10:32):
Which is what matters to us exactly.

Speaker 5 (10:34):
So when even when I see like Florida numbers, I'm like, well,
might look a little different because it's not taking an
account all of Florida, that's right. But having said that,
so actually the media and sales price in Hillsborough County
has had no change wa and this is.

Speaker 6 (10:48):
Year over year. So I guess July to July from
you know this time last year.

Speaker 2 (10:54):
Oh, this is what we were waiting on, right, were
we waiting on the July to July last time? Well?

Speaker 6 (10:58):
This was July.

Speaker 5 (10:59):
Yeah, I'm I want to see August right, oh, because
we are seeing some indicators of a little change. Panela's
was actually down a little bit five percent, okay, past
go down three point nine percent?

Speaker 6 (11:11):
No, I'm sorry, up, Pasco was.

Speaker 5 (11:13):
Up and just our general MSA is up just by
like a zero point two percent, which that takes into
account the four you know, main counties for this.

Speaker 6 (11:21):
So up you said, are down two points, Panella's down
just a little bit, past go up a bit, and
then when you average it out up point two percent guys.

Speaker 3 (11:32):
Okay, So this goes against everything you're seeing, like on
the news and social media, because all they're like, oh,
house prices are dropping. There was just a post out yesterday.
Prices are dropping in Hillsboro and Panella's County. If they're not,
they're clearly not.

Speaker 2 (11:45):
You've got year over year.

Speaker 3 (11:46):
Stats, and I think that's probably the most important right
is looking back a year.

Speaker 6 (11:51):
I mean that that's what they give us.

Speaker 5 (11:52):
So I would assume, you know, if all the other
experts are using that, you know, to me it's always
curious to say, Okay, where are we at.

Speaker 6 (11:58):
And you know in June, you know, June can here
to May. That's what I know is that this year.

Speaker 3 (12:02):
So we are going to take a quick break, So
you guys who love stats just hold tight for about
two or three minutes. We're gonna come back and Senny
is gonna hit us with a little bit more detail
in the stats, and then we're going to talk about
what does it mean that fall us here? McRib pumpkin
spice latte and Christmas stuff at Walmart. Stay tuned to
the Business Happy Are we back in just a minute.

Speaker 1 (12:20):
Now, We're back with some serious real estate in business
talk with three of Tampa Bay's top experts. You're host
of the Business Happy Hour, Frank the Bangkodo Rosa and Sen.

Speaker 3 (12:31):
Okay Tampa Bay. We're back on the Business Happy Hour.
Thanks for listening, by the way, and watching. If you're
on the social media over there, if you're on MySpace,
you're not watching us because we're not on there.

Speaker 2 (12:42):
You have to go to Instagram. That's where you get
to see us. Rosa loves it because she still uses MySpace.

Speaker 6 (12:46):
All the time. Lots of houses, all.

Speaker 2 (12:51):
Right, So we took a little break there beforehand.

Speaker 3 (12:54):
I know, I teased you guys with things like the
McRib and pumpkin spice lattes, which we're gonna get to
in just a minute. But first we're gonna find out
a little bit more about what is going on on
our market. Senia, you just told us the year over
year July to July, we are actually up point is it?

Speaker 2 (13:06):
Point two?

Speaker 6 (13:07):
Point two point two is.

Speaker 5 (13:09):
Better than negative point exactly, So it's not negative.

Speaker 2 (13:12):
You know.

Speaker 6 (13:12):
The jumps that we've had have been.

Speaker 5 (13:14):
You know, more significant, Yes, of course, but hey still,
yes it's not down right.

Speaker 3 (13:18):
But you know, if you go turn on TV, they
kind of make it sound like, oh, the real estate
market is not doing good, but.

Speaker 2 (13:23):
This area of Florida, it sounds like we are doing
pretty well.

Speaker 6 (13:27):
Yeah.

Speaker 2 (13:27):
I think so.

Speaker 6 (13:28):
They're still moving here and people want to buy here. Yeah,
I don't blame them.

Speaker 4 (13:31):
I have a question for you both, what are your
thoughts on why Pasco's number? Did you say the median
or the total sales volume has gone up to median.

Speaker 5 (13:41):
Well, their closed sales actually is up the highest out
of all of our counties. So uh, they're up six
point four percent and closed sales okay, And I do
still think that's because Pasco is the most affordable one.
Pasco County is going to be the most affordable homes
and that's probably the biggest reason why.

Speaker 3 (13:59):
That's what went through my head when she said it,
as I thought to myself, that's kind of where I
was thinking. That's where a lot of people have had
to move recently because the cheaper priced homes are in Pasco.
So I mean that would be my assumption. So that's
why they've gone up a little bit. I'm gonna guess
maybe there's a little more competition in Pasco.

Speaker 4 (14:17):
My thoughts are that new construction ooh, good call and
Starky Ranch, Starky Ranch, and there are homes on the
water that are more affordable, but they're still up there.

Speaker 5 (14:27):
That's a good guess because yeah, actually Pasco County is
so much new construction. You know, they're we're not out there,
Wesley Chappel. You know, great things happening there.

Speaker 2 (14:36):
I would totally agree.

Speaker 3 (14:37):
I yeah, I think I think that made a lot
of sense. And then Hillsborough just to be what even right,
didn't really go up or down? Yeah yeah, I mean
that's I feel like the market is pretty similar, you know.

Speaker 2 (14:48):
But how but how do you too feel just like
being out there.

Speaker 3 (14:51):
And being in the market, like what when it comes
to just activity and people calling you or not bothering you,
but you know, bothering.

Speaker 4 (14:58):
You, you don't bother us.

Speaker 3 (15:00):
By the way, the Real Deal Tampa website is working.
I'm the one who spelled it wrong. And yes they
do have a call button right up top. You don't
have to remember this, but it is seven five to
five reel. So if you want to get the real
information on the real estate market, you just got to
go to seven five to five Reel and call them
or go to the Realdeal Tampa dot com and then
we can find the house for you in the area

(15:20):
that you're looking. But overall, I think this is very positive.

Speaker 2 (15:24):
What else any other stats we need to.

Speaker 5 (15:26):
Well, the one number that I did decide to pull
this time around is the new pending sales.

Speaker 6 (15:31):
Okay, so those were down, you know, across the counties.

Speaker 2 (15:35):
Okay, just a bit.

Speaker 5 (15:36):
And I think that's just an indicator of you know,
we've had a slower summer than we're used to for
comparing this summer, you know to last.

Speaker 6 (15:44):
It's it's just a little bit slower.

Speaker 2 (15:46):
The pit Like, what does that mean? Does that just
mean less houses.

Speaker 5 (15:49):
Arending sales are you know you list your home for one.
There's also the media in time to contract which has
increased a lot. Okay, so that means it takes a
little bit longer for you to list your home, get
the contract on it.

Speaker 2 (16:03):
Okay, okay, okay.

Speaker 5 (16:04):
The amount of pending sales is down a bit, so
not as much demand, not as many buyers.

Speaker 2 (16:11):
Yes, many buyers.

Speaker 5 (16:12):
So that means that the close numbers next month, we'll
see because these you know, are just pending, they're speculative,
you know, some may go through, some pending sales may
drop out due to financing whatever.

Speaker 3 (16:23):
So I have this premonition that come around September twenty seventh,
when the Fed meets again and they do what we
are all expecting that they're going to do, and they
actually drop the rates, it's going to be a remedy
for what you just said.

Speaker 6 (16:40):
That was my question for you. When is this happening?

Speaker 5 (16:42):
Because yes, I agree, and that is you know, that's
what we're hoping will happen. So I just want to
know when. Okay, So September twenty seventh is when we
can expect this other.

Speaker 3 (16:52):
Well, now they were like live on the air. I
better figure this out correctly. Oh actually I was off.
I the seven was right. Okay, next FED meeting is
going to be either on September seventeenth or eighteenth, not
twenty seventh. Okay, so wait a minute, my god, what
are we on the Saitay the third right now? And
I know if you guys are listening, you're actually listening
on the seventh, so you're ten days away. Actually, what

(17:16):
that tells me, ladies is they have ten days to
find the best deal in real estate, because go ahead.

Speaker 4 (17:21):
I have a thing, okay, waiting a thing, A thought.
So the last few FED meetings, didn't they say that
there was going to be a cut in our interest
rates the next FED meeting? Yes, so I wouldn't trust that.
I would just start now. I wouldn't even wait.

Speaker 3 (17:39):
I had a thousand percent agree with you, and what
what the heck is going on Oh sorry, that's my mom. Mom.
I'm on the radio right now, and you are on
that emergency contact, which means everybody in Tampa just heard
you call me. Thank you anyway, Yeah, so you are right,
You're right, Rose. I don't think you should wait until
they announce it because they pretty much have said it's happening,

(18:01):
and at this point I think it really really is.

Speaker 2 (18:03):
Going to happen. So okay, stop, sorry mom.

Speaker 5 (18:08):
So anyway, everything, So when it does happen, I mean,
it's really like remember beginning of August though, because we
did have that you know, bit of a drop and
we did feel you know, an immediate pickup and activity
right just you know a few more by our calls.
They kind of want to get out there. I do
think the you know, public reacts quickly to those news.

Speaker 2 (18:25):
I completely agree with you.

Speaker 4 (18:26):
They did go down a little bit. They have past
few meetings that they've had.

Speaker 2 (18:30):
Oh no, no, they well no, no, okay, okay, okay.

Speaker 3 (18:32):
Now, so the Fed didn't officially lower the rate, right,
but but here's a here's a big news flash for
everybody listening. When the Fed lowers that rate, it actually
doesn't lower the thirty year fixed rates. It has nothing
to do with the thirty year of the fifteen year.
The Fanny made the faha that any of the va
none of those, right, But the general population just sees

(18:53):
a news flash on TV that says FED lowers rates.

Speaker 4 (18:57):
And assumes that that's in correlation it with our lending rate.

Speaker 3 (19:02):
So you know what it really lowers ROSA. It lowers
your home equity line of credit. So if you have
a helock a home ecky, lineup the line of credit
and it drops by a quarter percent, Yes, that dropped
by a quarter percent that day, right.

Speaker 2 (19:13):
You know.

Speaker 3 (19:13):
It also lowers credit card rates because they are tied
to the index, the FED index that they're lowering, right,
Fanny is not. But it will have an immediate effect
on home buyers and excitement in the market because people
just hear rates drop, so subsequently rates probably will drop, right, maybe,
but they it it's gonna happen. So but my point

(19:35):
is it's going to create an artificial uh what's the
word excitement, right, and they're gonna come out there and
they're gonna buy. So that's why Rose and I are saying, like,
you got ten days until this happens. If you're listening Sunday,
if you're listening today, you have fourteen days before everybody
else thinks it's time to buy.

Speaker 2 (19:53):
And then you're gonna have what.

Speaker 4 (19:55):
You're gonna have more competition.

Speaker 2 (19:57):
Boom. That's it.

Speaker 4 (19:58):
You're going up.

Speaker 5 (19:58):
Against your story. I mean still, there is just a
national shortage of inventory, right.

Speaker 3 (20:03):
And like we asked mister Goshting our guest last week,
mister Lindell Carland Dell, we put him on the spot
and we said, what do you think is going to happen?
In his exact words, we're supplying demand price.

Speaker 6 (20:14):
As we'll go all about the supplying man.

Speaker 2 (20:15):
The basics, the basics, the basics. Right, So we got
to take a break.

Speaker 3 (20:18):
When we get back, we are going to talk about
things for fall, and we're going to talk some business stuff.

Speaker 2 (20:22):
So stay tuned to the Business Happy Are We were
right back.

Speaker 1 (20:25):
Welcome to the Business Happy Hour radio show with your
host Frank the Bank Kodo, president of Lincoln Lending Group
and he won three mortgage for twenty years right here
in Tampa Bay, joined by his incredible co host Rosa
Bahiti and Sinia Akishna, Top producing real estate agents with
Mahara and Associates. These three bring nearly five decades of

(20:46):
experience in the local real estate market. If you're looking
for real estate or business advice, no matter what your
experience level, the Business Happy Hour team has been there
for you for almost a decade right here on news
radio WFLA. Now, sit back, relax, and get ready for
some serious real estate and business talk with three of
Tampa Bay's top experts.

Speaker 2 (21:05):
Here's Frank the Bank.

Speaker 3 (21:07):
Hey, Tampa Bay, welcome back to the Business Happy How
are your number one show for all things business and entrepreneurial.

Speaker 2 (21:13):
We are having a great time on the Business Happy
Hour today.

Speaker 3 (21:16):
We just talked some stats with Sinnia Akisha from Mahara
and Associates and with Rosa Vahiti talking about what's going
to happen with these interest rates. I'm sorry, ladies, I
started answering questions before you even asked them today. But yes,
this FED meeting is coming up. If you're listening to
us Sunday morning, you have all be it ten days
before the Fed's going to meet. So we believe that

(21:36):
you kind are in a really good spot right now,
because what are seller's going to do right now?

Speaker 2 (21:40):
They're gonna work with you, right, they're gonna get you.

Speaker 6 (21:44):
Yeah, yeah, that's a great parts. Yes, find the house
you love, you know, want to move forward with, and
then you know.

Speaker 2 (21:50):
The Let me put you all on the spot real
quick before we go into the fall stuff.

Speaker 4 (21:54):
Let's do it.

Speaker 3 (21:54):
This whole buyer broker agreement thing. A lot of buyers
have been a little scared a little nervous about what
it means and everything. Have you two ran into any
sellers yet who are unwilling to pay a buyer's commission?

Speaker 6 (22:06):
No, nope, nope.

Speaker 2 (22:07):
Interesting.

Speaker 5 (22:08):
I ran into one lady though, that was very hesitant
to sign the agreement to sign. She's been buying real
estate for years and years and years. She told us
she has never been like this, and I will not
sign anything that could potentially obligate me to pave in
a penny, like.

Speaker 4 (22:22):
Just very She's a very old school, old school, much
older woman, like in her sixties or seventies.

Speaker 3 (22:28):
Even well it could be, you know, like like, let's
give her the benefit of doubt. Maybe she bought her
first house in nineteen sixty nine and hasn't bought one.

Speaker 2 (22:35):
Sence you know what I mean.

Speaker 3 (22:36):
It's like I've been buying for five decades. You know,
it's true she wasn't lying, But so how did you
combat that? Did she eventually sign it or what.

Speaker 2 (22:43):
Did you do?

Speaker 1 (22:43):
You know what?

Speaker 5 (22:43):
To be honest with you, she's also someone that thinks
the market's going to crash, which none of us agree
with that. And my concern was which because you and
I talked about it, and I'm like, you know what,
I don't really want to pursue this because if this
is someone that's going to make extreme low ball offers anyway,
then I don't have much of a chance that the
seller is going to want to go ahead and cover
that commission. You know, sellers do still want to max

(23:05):
out their net. Sure, they're you know, good to pay
it if it's a fair and square offer. But if
you've got a place listed for you know, four hundred thousand,
somebody's offering you three hundred thousand, yeah, first of all,
they're not even gonna probably respond to that kind of
offer anyway. But I don't know what chances we have
of you know, I made it that way.

Speaker 3 (23:22):
I love the way you said that, and that's that's
so basically you made a decision that, you know what,
I'm not going to push it because this isn't it's
probably it may not really turn into anything anyway, and
if it does, you can always just say, listen, you
gotta sign it before we go see the house. But
I love that both of you agreed and said that, no,
have you have not seen a seller because that was
my that was my feeling when this first got announced

(23:42):
like six months ago. I thought to myself, you know,
everybody's freaking out, but it's really not that big of
a deal because I've been a seller. I'm a seller
thirty ninety five, Davis Road.

Speaker 2 (23:51):
I'm a seller, active, current seller, active current, losing his
freaking mind, will work with anybody.

Speaker 3 (23:57):
Take any favorites, Road sell it anyway. So yes, I'm
going to pay a commission. Yes, so bring me a
buyer thirteen ninety five, Davis Road.

Speaker 4 (24:06):
Something in business that I've learned recently is a lot
of successful business owners say no more than they say yes,
and that's okay. And so that's something I took away
with that that it's okay that we well.

Speaker 6 (24:17):
I think that was a good, great nest decision on
our part.

Speaker 5 (24:19):
And if we're talking about business tips and advice, sometimes
you really just got to cut the cord when you
know that, hey, this is just not really going to
be you know, a good relationship for either one.

Speaker 4 (24:30):
Of us, right, And that's okay, Yeah, that's okay. Yeah.

Speaker 3 (24:32):
And guys, by the way, business tip on this, you
don't have to be mean to the people. I tell
my guys too. It's like, if you're not going to
do business with them, you don't have to tell them
to go fly a kite, you know, just be like, ah,
you know, I just don't know if this is the
right time. There's a lot of nice ways to put
it matter off.

Speaker 1 (24:45):
You know.

Speaker 3 (24:46):
One thing that chat GBT is good at is if
you have something you want to say, you can literally
type it in and say, tell me a polite way
to say this person needs a port ketchup on their face.

Speaker 2 (24:57):
And it actually does a very good job of that.
I had somebody one time. Good tip there, It is a.

Speaker 3 (25:02):
Good tip I had one time somebody told me that
they had to write a their husband was really mad
at them and they needed to verbalize. They wanted to
say certain things to their husband, but they didn't feel
they could do it in an effective manner.

Speaker 2 (25:15):
They used chat GPT and then they scent it and
it like fixed everything.

Speaker 6 (25:20):
That's smart.

Speaker 4 (25:21):
It's a better approach.

Speaker 2 (25:23):
Yeah, maybe that's the word we use of it.

Speaker 3 (25:25):
But I was like, oh gosh, man, now people are
going to communicate with their husband.

Speaker 5 (25:28):
Who wives us business advice and personal advice.

Speaker 4 (25:32):
Love it.

Speaker 3 (25:32):
Yeah, if you get caught doing that, that might not go well.

Speaker 2 (25:36):
But anyway, so chat geept there you go.

Speaker 3 (25:38):
But h okay, So we'll talk Fall real quick and
then let's get some business stuff.

Speaker 2 (25:42):
So Fall brings a lot of cool things to the table.

Speaker 4 (25:44):
One of them are pumpkin pumpkin spice lattes.

Speaker 2 (25:48):
Where do you get your pumpkin spice latte?

Speaker 4 (25:50):
I don't actually buy them, to be honest, I love
but if I were to get one a local spot,
I would try first or Starbucks.

Speaker 3 (25:58):
Yeah.

Speaker 2 (25:58):
I like how you said that about.

Speaker 6 (26:00):
We're going to try one at the Grind if we
go Friday.

Speaker 2 (26:02):
Oh we are. That's right, We're going Friday.

Speaker 3 (26:05):
That's right, by the way, realtors, if you want to
meet a great broker in Maharan Associates and a go
great lender. Senny and I are starting to have little
breakfast meetings around nine am at the Grind and now.

Speaker 2 (26:14):
Don't like it.

Speaker 4 (26:15):
Where's the Grind in Tampa West Chase, West Chase?

Speaker 6 (26:18):
Okay, well the one. I think there's a couple occasions.

Speaker 2 (26:21):
I didn't know that, I think. So yeah, yeah, I've
got now. I know better not just telling people to
meet me at the Grind. But it's a.

Speaker 3 (26:27):
Great little coffee shop, great little breakfast, So props to
those guys.

Speaker 2 (26:31):
But yeah, we are going to start.

Speaker 3 (26:32):
Having these little meetings and if you guys want to join,
you better reach out to us seven five to five
reel if you're a real litor and want to talk
that side, and you can always go to contact Frank
Thebank dot com to schedule a meeting with me.

Speaker 2 (26:42):
So Fall, I love Fall. You know what I hate, though,
is going in a Walmart and the damn Christmas trees
are up.

Speaker 4 (26:47):
Are you ready for Christmas?

Speaker 3 (26:49):
No? No, dude, I'm a Halloween guy. I'm a Halloween guy,
and I like my Thanksgiving too. It's just like, well,
to me, it's like one of the most relaxing holidays.
You get together, you eat, you sit on your ass,
and you watch football.

Speaker 4 (27:01):
Is that your favorite holiday?

Speaker 2 (27:04):
I do like Christmas, Rosa, I do like it. But
you know.

Speaker 3 (27:07):
I just I feel like there's a season for everything,
and this dang Christmas thing is just creeping, creeping, creeping,
Like there's Christmas lights.

Speaker 6 (27:14):
In the Walmart I went to, though, did the whole
roll out. It's like there's not even a break.

Speaker 5 (27:18):
We saw Halloween stuff, you know, they were got to
read for Thanksgiving and Christmas all in one.

Speaker 6 (27:23):
It's like, whow it's that the season is.

Speaker 3 (27:25):
Upon So it's all there, Like you went to one,
It's all everything's there.

Speaker 5 (27:29):
It's all, yeah, you got the Halloween stuff, yep, Thanksgiving
stuff and Christmas.

Speaker 3 (27:33):
Home Depot had had all the Halloween stuff already out.
Everybody's already bought out, all the skeletons and all the
big decorations and all that stuff. I had to buy
one a month ago to get a freaking skeleton for Halloween.

Speaker 2 (27:43):
Thank you, Home Depot. But yeah, I don't know. So
that's fun. I do. I do think it changes our mood.
I think it gets us a little bit happier.

Speaker 5 (27:51):
I think the weather helps to Oh yes, that's what
I get excited most. And Florida is when we hit
the you know, just all month just to cool down.

Speaker 2 (28:00):
Did you feel I feel like I felt it just
a tiny bit. I mean it was hot.

Speaker 5 (28:04):
It's probably because of all the rains we got. Like, well,
you're in no Dusa too, I mean about four o'clock.
It's been like no fail all week long.

Speaker 6 (28:12):
You start that, you know, hour long rain, maybe that's
what it does help get down.

Speaker 2 (28:16):
And I'm like, oh, is it cool out. No, it's
just a storm that's about to destroy us right now now.
The lightning has been really bad recently.

Speaker 3 (28:22):
By the way, So pumpkin spice, we're gonna try on Friday.
We're gonna do it there. Next week, we're going to
bring some in. I'm going to try and find the McRib.
But I just did the freaking research and it's telling
me that we might not see the McRib until November.

Speaker 4 (28:35):
Okay, we're gonna have to wait, Frank for your.

Speaker 3 (28:37):
Wait for the fake rib beef patty that I'm going
to bring you that I literally lived for.

Speaker 4 (28:42):
It looks like we're gonna have to just get just
one for us and we'll split.

Speaker 2 (28:46):
It all right.

Speaker 3 (28:47):
You know, honestly, that's about all I can eat now,
is about half of one. Because you get about halfway.

Speaker 2 (28:50):
Through and you're like, oh, this is not real. Ribs.
This is not real. And here's the other trick is
don't lift the bun and don't look.

Speaker 4 (28:57):
Don't look.

Speaker 6 (29:00):
Role fighting any McDonald's sandwich. I'm like, oh man, it
tastes pretty good, but I can't look to see what
it all looks like.

Speaker 2 (29:05):
Don't look at the burger patty.

Speaker 3 (29:07):
Don't look at the McRib patty because I just picture
like this little mold that they pore.

Speaker 2 (29:12):
This was like they looked like ribs.

Speaker 6 (29:14):
That's why I've never tried it.

Speaker 5 (29:15):
I'm like, it just looks like I'm gonna get them
live on the air engineered.

Speaker 2 (29:19):
Oh, this is gonna be fun.

Speaker 3 (29:20):
We usually have liquor companies come in and give us drinks.
This I'm gonna bring them mcribs.

Speaker 2 (29:24):
Anyway. So let's talk about some business.

Speaker 4 (29:26):
Okay, so we can ask you some questions then go
for it, all right, So, how did you get started
with your team or when you first in this business?

Speaker 5 (29:34):
You know, did you start with Lincoln Lending right away?
Or like, how how did this all unfold for you
to get into taking a.

Speaker 3 (29:40):
Jast twenty four years ago? So out of so, I
had a fraternity brother who was looking for a job.
I went to Florida State. He graduated a semester before
me in two thousand. Tampa was one of the biggest
emerging business markets, right, so everybody a lot of people
were moving here to get big business jobs. And he
was a business major. So he came comes here, calls me.
After a month of looking like, dude, I can't find anything,

(30:01):
He's like, you know, who do you know? And we
had a family friend. I'll give him a shout out,
Paul ar Banski from a veiled mortgage been around since
the eighties, right, he had a mortgage company back then.
And I said, well, I know this mortgage guy, family friend,
go check that out. I didn't know crap about mortgages, right,
And he gets a job with Paul calls me back
less probably about a month later, and his exact words,

(30:22):
I can't say the word on the air, but he said,
they're efing printing money down here.

Speaker 2 (30:25):
That was the exact words.

Speaker 3 (30:26):
And I'm still like a senior in college, and I'm like,
printing money.

Speaker 6 (30:30):
They had your printing money.

Speaker 3 (30:32):
You're nailing these girls, know me well enough. I'm like, well,
that's not what I was going to go into. I
was going to go into radio and TV. And then
I had this professor that's like, yeah, if you want
to live in Tampa, you might get back there in
twenty years because they're going to send you to Ohio
and South Dakota and all these places.

Speaker 6 (30:44):
Pause.

Speaker 4 (30:45):
So this makes sense now. So the radio and television
is where you first really had a passion. That's why
you love this so much. And you're so good at
it too, thank you.

Speaker 2 (30:55):
This is what's called a paid hobby. Yes, we've got.

Speaker 6 (30:57):
Best of both worlds.

Speaker 5 (30:58):
Yeah, printing money job and then the radio proadcast.

Speaker 4 (31:01):
So there's ways to incorporate some of your passions and
hobbies sometimes into your business.

Speaker 3 (31:06):
That's a great Poirosa. That's like it could be a
whole other show, but it wasn't. I've had the show
now for ten years, so it did take me fourteen
years in the industry before I could, you know, afford
and be able to do it.

Speaker 2 (31:16):
And things like that. But I loved it.

Speaker 3 (31:18):
I just found out that you weren't going to make
a whole lot of money in it, and that and
that it you know, and I did want to make money,
and I also wanted to live in Tampa, so it
kind of like Nicks.

Speaker 2 (31:26):
Those two out of the three boxes.

Speaker 3 (31:27):
Some things you love to do and you can't do either.
But anyway, so I decided to come in and try mortgages,
and Nick and I and another guy, Dan did mortgages
under Paul and his nephew for about a year and then,
kind of funny story, I got a minute left here.
I went to Paul and I we had one process.
I'm sorry, no processor to do our paperwork because it
very limits you now and what you can accomplish one

(31:48):
computer for four guys. And we had a dot matrix printer.
I do either one of you even know what that is?

Speaker 1 (31:53):
Oh?

Speaker 4 (31:53):
What is that?

Speaker 3 (31:53):
It is the printer that kind of made this old noise,
like right, And then I had these these these rips.

Speaker 2 (32:00):
Of punch whole paper. You see those.

Speaker 3 (32:04):
You see those in an antique shop, and literally you
had to like whine the thing and and then you
had to tear the damn paper strips off when you
printed something out.

Speaker 2 (32:11):
So listen, I went to Paul.

Speaker 3 (32:12):
I'm like, Paul, we need a new printer, a normal one.
We need one processor and one more computer. That's all
we need to succeed. And he goes yeah, you know what,
I think I'm gonna retire soon. Don't really think that's
in the cards for me. I got hurry this up.
So long story short, we decided we're going to leave
right and that's how Lincoln Lanning got started. I'll finish
that up when we get back from the break and
we'll talk a little bit more business here on the

(32:33):
Business Happy Hour with Rosa and uh Senya from Maharan
Associates and yours truly, Frank the Bankkodo.

Speaker 1 (32:39):
Stay tuned now we're back with some serious real estate
in business talk with three of Tampa Bay's top experts.
You're host of the Business Happy Hour, Frank the Bank Kodo,
Rosa Bahiti and Senna.

Speaker 3 (32:53):
Hey, Tampa Bay, Welcome back to the Business Happy Hour,
number one show for all things business and entrepreneurial. So
if you heard the end of the last segment, Rosa
asked me, how did I get into business? I just
told my business story and like a minute in thirty seconds.

Speaker 2 (33:05):
But long story short, we quit a veil mortgage.

Speaker 3 (33:08):
We did work for a company called Challenge Mortgage and
another one called First Colonial for just a few months
in the interim, and when we decided you know what,
we're pretty We're three young, smart guys. Let's just go
for it and believe it or not. Starting a mortgage
company was not super expensive. It was very time consuming
and you had to have a lot of relationships, which
we had. So we started the company, and I'm going

(33:29):
to do I'm going to fast forward this whole story
in like ten seconds. But I bought out Nick Dan
and I bought out Nick in like two thousand and five,
and he went on to do awesome things in the
seafood restaurant industry. And I bought Dan out in two
thousand and seven, right right before the crash, which was
probably the best decision I ever made, because if I didn't,

(33:49):
we may not be I may not have been in
business today. But it did work out, and there were
some rough years ahead. But you know, when you own
everything and you make all the decisions, it does make
it a little easier. So my advice wrapping this together
is partners are wonderful. They help you get to the
next level, but then they can sometimes become a detriment

(34:11):
down the road. So the best advice I've given to
anybody who's asked me in the last twenty years is
partners are wonderful, but you need to have your exit
strategy in place upfront. And what that means is if
you're going to go to business into business somebody, even
a small business, you guys need to sit down and
talk about all the worst things that could happen upfront
and put in in writing to say, if this happens,
this is what we will do with the company, and

(34:34):
you'll be surprised at how easy it will make things
if that ever does happen.

Speaker 4 (34:37):
I have one question on that, So would you recommend
from a legal stance, and if you don't have a
lot of money starting off, is it worth investing and
finding an attorney to draw up these agreements?

Speaker 3 (34:51):
There are lots of options that are very cheap online.
Now to answer your question, yes, I would have an attorney.
We did have an attorney put together Lincoln stuff. We
did not do what I just told you guys to do,
so this is where the advice came from. But luckily
we were all it was one of those perfect storms
where we all got along and we are able to
separate and still stay friends and things like that. But

(35:12):
that doesn't happen like that for everybody. So yeah, I
would recommend an attorney, especially when it comes to the
separation part, and just address it upfront. It's easy to
talk about the bad stuff when you're friends.

Speaker 4 (35:22):
Right, I agree with that in the beginning.

Speaker 3 (35:24):
Yeah, just do it upfront. That's the easiest thing I
can give you guys advice for. And I know I
wanted to bring back the trust thing, so I'm just
gonna do that real quick before you ask me another question.
Your clothes in a house where a trust is selling,
which is which is very interesting because trustees then make
decisions on what they're willing to do. But people don't
know that you can actually buy a home in the
name of a trust.

Speaker 2 (35:44):
Have you guys had any clients to do that yet?

Speaker 4 (35:46):
No, but I have heard of that.

Speaker 3 (35:48):
So Fanny may fha va all right. All the government
agencies are totally cool with that.

Speaker 4 (35:54):
Interesting though, instead of an LC because some of those
types of loans you cannot buy as a quote unquote entity,
but as a trust, which is an entity.

Speaker 3 (36:03):
Right, you nailed it, you can, so Rosa. She just
figured the whole thing out right there. So when somebody says,
I want to buy this in my corporation or this
or this very important to note Fanny Ma Faha and
v A will not allow you to close in the
name of a corporation. They will allow you to close
into trust, which Rosa just said it. It's a separate
legal entity. So it does give you the asset protection

(36:23):
you you know you can run.

Speaker 5 (36:24):
That's going to be answering my question, I guess, like,
why would you do that? Why would you want to
buy something with a trust asset protection?

Speaker 3 (36:30):
Because because it when it picture this like if you
own ten properties in your name and something happens on
one of your properties, a liability situation and you get sued,
now they can go after everything. Right if that property
is held in individual trusts, which is the way I
hold all my properties, and something happens, they're only able
to sue that entity, so it insulates the rest of it.

Speaker 6 (36:51):
Very good advice.

Speaker 4 (36:52):
That makes sense. The fire can't spread.

Speaker 2 (36:54):
Ah, So the fire can't spread. That's a really good
way to put it, Rosa.

Speaker 3 (36:59):
Now you can in we do allow with some of
our investors for you to put the house in the
name of an LLC after closing on government and conventional loans.
So that can be done and believe it or not,
you can hold in trust and LLC. Right, you could
have the LLC own the trust or the trust owned
the LLC.

Speaker 2 (37:15):
Things.

Speaker 4 (37:15):
There's all kinds of things that we could talk about
on another show.

Speaker 2 (37:18):
I'm sure that is literally all yeah, and actually we
should have.

Speaker 3 (37:21):
There are great attorneys we could have on and we
could talk about that, So that'd be a great show, Rosa.
The only other thing I'll tell you is non QM loans,
like the bank statement loans and the investor loans and
all that stuff. They do allow you to close in
an LLC or corporation right up front. Funny, weird.

Speaker 2 (37:35):
They won't let you close in a trust. So who
knows what else you got?

Speaker 5 (37:40):
Okay, well, I want to know that the seventy five
oh yeah rule. I think you kind of touched on
one of the episodes, but we brought it up again.
I'm like, you know what, you got to explain this
to me again. What's the whole seventy five percent role?

Speaker 3 (37:52):
So if my wife Nichole is watching, she's probably gonna
drive off the road when I go over this because
she hates the seventy five percent rule. But some body,
at some point in my career said something to me
and they made a comment and it really really resonated it.
They said to me, in order for you to grow, like,
one thing you're gonna ask is when you grow. And
I don't know that I'm going to get to Jeff's

(38:12):
story today, so I might save it for another time.
About when is the right time to hire somebody? First
of all, there's never a right time to get help you,
but there is the wrong time, and that's when it's
too late.

Speaker 2 (38:24):
Right.

Speaker 3 (38:24):
So, if you are starting to get busy and you're
starting to feel a little bit of stress and you're like,
oh man, and you say to yourself, dang it, I
wish I had a little more time because I could
get this done, or I could get to this client,
or I could sell this many houses. You have answered
the question that's when you need help and.

Speaker 4 (38:42):
To have the time to train someone as well, I
would think too.

Speaker 3 (38:46):
And that is one of the main reasons a lot
of people steer away from it is because they literally say,
when am I going to have the time to do it?
But you are literally what is it like cutting your
throat for your face or something like that, where they say.

Speaker 2 (38:56):
I don't even know how that means? But anyway, the.

Speaker 3 (38:58):
Seventy five percent rule is this they said to me,
They said, Frank, when you Because another thing is when
people bring on this other person, they want them to
be perfect. They want them Rosa wants them to do
it like Rosa does it. Sinia wants it like Sinya
does it. Right, here's the thing. You gotta be okay
with somebody doing it seventy five percent as good as you,
because nobody is going to do it as good as you.

Speaker 1 (39:19):
Right.

Speaker 3 (39:19):
If you're anything like me, like nobody is, you're gonna
look at there's something you would have done that's different.
Get somebody trained them to be seventy five percent as
good as you, and that you will have so much
more success because now you can do twice the work
in the same.

Speaker 2 (39:35):
Amount of time. Right. Is it always going to be perfect?

Speaker 3 (39:38):
No? But here's the seventy five percent person of my
wife hates is that I run my life at the
seventy five percent level a lot of times because I
say there's no way I can give something one hundred
percent and accomplish what I can.

Speaker 2 (39:49):
And I know you have made comments to me before,
like how do you do everything? How do you do this.

Speaker 3 (39:53):
You kind of have to have that mentality that listen,
if I can if I can accomplish this seventy five percent,
if I can give it seventy five percent of my attention,
then already I'm accomplishing twenty five percent more amongst four tasks.
I can add a task every four tasks because I
have that extra bandwidth that I'm working with.

Speaker 4 (40:10):
Does that make sense? Y, Yeah, that's great advice.

Speaker 2 (40:12):
Nicole tell me.

Speaker 3 (40:13):
She'll be like, you're only listening to seventy five percent
what I'm saying. You just did that seventy five percent,
And she's right, and I love you, honey, and that
does happen.

Speaker 2 (40:19):
But I say to her, like, look how much I
can accomplish.

Speaker 5 (40:22):
I need to heed that one, because yeah, that's I
have an issue delegating, and I am a perfectionist at heart,
so I really need to try to and delegating.

Speaker 3 (40:31):
Delegating is an art. We only have ten seconds left,
but delegating is an art. You have to get used
to it, but you've got to start doing it. So
that's a whole other show.

Speaker 2 (40:37):
It's went so fast, ladies, thank you.

Speaker 4 (40:40):
So much, saying everyone, yes.

Speaker 3 (40:42):
Thanks for all the wonderful questions. We will see you
guys next week. Remember, seventy five percent is as good
as one hundred percent.
Advertise With Us

Popular Podcasts

Dateline NBC

Dateline NBC

Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com

Stuff You Should Know

Stuff You Should Know

If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.

The Breakfast Club

The Breakfast Club

The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy And Charlamagne Tha God!

Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

© 2025 iHeartMedia, Inc.