Episode Transcript
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Speaker 1 (00:00):
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Coodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Senia Akishna, realtor with Mahara Associates.
Speaker 2 (00:15):
Tampa's top real estate company.
Speaker 1 (00:17):
Together they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real.
Speaker 1 (00:25):
Estate advice, the Business Happy Hour team has been right
here on news radio WFLA for over a decade.
Speaker 2 (00:30):
Listen right here, or fight.
Speaker 1 (00:32):
Us on the Business Happy Hour YouTube channel, or follow
us on Instagram at Frank Thebankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 2 (00:44):
Here's Frank de Bank and Senia.
Speaker 3 (00:47):
Hey, Tampa Bay Happy. Saint Patty's Day month, that's right,
it is the month of March. It is where we
celebrate Ty Patty's Days. Oh, we're gonna have to help
up with the volume real quick. Just turn your volume
all the way down if you're mine. I'm glad you
guys are watching. Sorry, we're getting our little Instagram thing going.
We don't want to have that echo in y'all's ears.
We have a great show for you today. Look at this,
I'm wearing my green I got the green watch, I
(01:09):
got the green bracelet, I got the green jacket. Frank
is thinking money in Saint Patti's day today. If you
guys are not checking us out seeing all the colors
we're wearing today, you've got to go to our Instagram feed.
Don't forget. Senny and I are on Instagram every week, normally,
normally from about eleven ten to twelve, first Tuesday of
the month. I have something exciting we're going to talk about.
(01:31):
But first let me introduce my amazing co host, Sinnia
Aikesha ho yall.
Speaker 4 (01:35):
Hello, I'm doing great. I know I always say it,
but this weather, oh man, isn't it the best?
Speaker 5 (01:40):
It's the best. That's why we live in Florida. I
love this time of year.
Speaker 3 (01:44):
It is just enjoy it because in two months, god, god,
we've actually had a kind of a cold winter, haven't we,
like a little bit like we've had some snaps.
Speaker 4 (01:53):
Yeah, you know what, I didn't mind.
Speaker 3 (01:54):
It, though, neither you know, put it again.
Speaker 5 (01:56):
We think about summertime and it's like, all right, this
whole last so yes, yes, sweater weather is okay by me.
Speaker 3 (02:02):
You have all your your your coats from Siberia that
you used to have to wear.
Speaker 5 (02:05):
Idea, yeah, you do really never get busted out, you know,
it's usually just sweaters.
Speaker 4 (02:10):
That's as cold as it gets.
Speaker 3 (02:11):
But it's funny. We're going on spring breaks coming up?
Speaker 6 (02:13):
Are you?
Speaker 3 (02:14):
Does your kids spring break in a couple of weeks? Yeh,
like not. It starts next Friday, right for you? But
the seventeenth is that right? Is that when your starts
to I think is.
Speaker 4 (02:21):
The seventeen to the twenty first?
Speaker 3 (02:23):
Okay? Same one? Okay, So we're going skiing, so we're
pulling out all the jackets, all the kids. You know,
the kids are growing, so there are my sons still
by the way, landing. If you're listening with your buddies
at school right now, you need to try on your
ski bib when you get home. That's right now, your
baby bib, your ski bib, because I know I'm you
have to buy a new I told him he's gonna
wear my wife's If he doesn't, I'm like, I'm not
buying any one when we get out there, spending four
hundred dollars on one, You're crazy. Where you're going? We
(02:45):
go to Tahoe, I'm know Taho. Yeah, I'm going to
I'm going to Heavenly. Okay, Heavenly and Tahoe so beautiful.
You ever been there? No, I've been to Salt Lake Okay,
so so probably can you see the lake when you
ski at Salt Lake? Or no? Is there a lake
to look at?
Speaker 5 (02:58):
And you know what where I'm from, you're gonna laugh.
But I've never really gone ski maybe just like in Pe,
like when I went to school in Russia, but never
like the real deal where.
Speaker 4 (03:07):
You go vacation, you know, skiing somewhere.
Speaker 5 (03:10):
I know it's terrible, but my daughter wants to go
back to Colorado. So that's the plan, I think maybe
for next year.
Speaker 3 (03:15):
Yes, well, I got some great advice some snow. We'll
talk some more about this. In just second to me
to introduce our guest host today, we have Brandy bro
Welcome to the show. Brandy, Hi, guys, how are you doing.
Speaker 6 (03:26):
I'm doing good? A little jealous because I'm not in
New Orleans for Marty girl.
Speaker 3 (03:29):
I know, well, hey, I'm gonna go have to spell
your name for everybody right now. Brandy's last name is
spelled b r e a u X. And when I
found that out, I said, wait a minute, don't tell
me your cage. She's like, yes, I am. And did
y'all know what today is? It's fat Tuesday, right, Today's
Marty Gral It's the day that it all happens. It's
(03:50):
super exciting, Brandy. We're gonna get your sho's so sad,
I know because she's.
Speaker 4 (03:55):
In this and alogils in Florida.
Speaker 3 (03:57):
Yeah, yeah, you're not in Marty. Did you go to
Marty girl? A lot is? Did you grow up there?
Or how every year?
Speaker 6 (04:02):
I was there every year? My sister are just talking.
We're bad parents because our kids haven't been back in
seven years. So we'll be there next year.
Speaker 3 (04:08):
Oh my gosh, yes, yes, why you know? Did let
me let me actually move your camera just a little
bit up for your phone, just so I can. You're
a little out of frame that you want to make
sure everybody can see you there you go, Oh, that
looks perfect. So my wife grew up and we're gonna
get back to skim by the way, don't let me forget.
But my wife grew up in New Orleans, so's she's from. Yeah,
I guess New Orleans, proper, I guess she's from. Is
(04:30):
that where you were born? In New Orleans? Or Okay?
So she did the same thing. She's to tell me
stories about. They'd bring the kids to the Marty Gral
and they'd get y'all on a ladder and you'd like
sit on top of the ladders or whatever to catch
the beads. Is that about right?
Speaker 6 (04:43):
That's funny. If you look at my Instagram story right now,
it's a picture of my son in the ladder that
my dad made.
Speaker 2 (04:48):
Yeah.
Speaker 3 (04:48):
Yeah, they're like, first of all, get me right on
this brain. They look like the most dangerous things I've
ever seen. They're like they put like chairs on sticks
and hold their kids up. Right, it's real.
Speaker 6 (04:58):
You got to drill it in, make sure it's really good.
Speaker 4 (05:01):
He's got all the tips.
Speaker 6 (05:02):
Get a professional. My dad is a he can't do
anything great. So my dad ours is safe. He drilled
it in. He actually made it and so he actually
made the seat for my son. He made it when
we were little. So it's but there are some that
are unsafe.
Speaker 3 (05:15):
Oh, I'm sure, and I'm sure some of the parents
having a real good time. And then you know, I
was like, oh, there goes the kid. That's kind of cool.
Speaker 4 (05:22):
It's a good idea for our Gasprilla. I wonder if
some parents did that, I'd be sure.
Speaker 3 (05:26):
It is a good idea. Like yeah, and maybe not.
Speaker 4 (05:29):
The safest one if you don't know what you're doing.
Speaker 3 (05:31):
But they target them for sure when they do that,
like the guy's throwing the beads, they definitely target those guys.
Speaker 6 (05:36):
So Gasparilla reach out to me, you guys, I can
help and your experience.
Speaker 3 (05:41):
Yes, so tell us, tell us about Marty grass story,
tell us something fun, you know. I mean, so, how
about this? Do you do the King cake?
Speaker 6 (05:48):
Yeah?
Speaker 3 (05:49):
Yeah, you got one already for tonight.
Speaker 6 (05:51):
No, so I was trying to stay away from it.
But Merino Bakery and Brandon their story this morning. Oh
they have them and they look amazing.
Speaker 3 (06:00):
So there's a local place to get them. Yes, that's
the cake where.
Speaker 4 (06:02):
They hide the little baby.
Speaker 3 (06:03):
Yeah, yes, that's it.
Speaker 4 (06:05):
So you've done this another thing I haven't done. No.
Speaker 5 (06:08):
No, I've actually never brought Carleans and I've never done
Marti gral but it is on my bucket list.
Speaker 3 (06:15):
You know, I should have totally asked Brandy when I
saw the spelling of her name before we got on
the radio show. I'm sorry, I'm like, last minute Pete
over here, but I should have literally, I should have
been like, because there is a Gambinos king cake sitting
on my counter at my house right now, so you
know what Gambinos is obviously. So that's like the bakery
been around since what like nineteen forty nine or something
like that. And there that's where you go get your
(06:36):
king cake and they ship them to you, and then
it's got all the icing, so the kids put the
icing on, and then you got the colors, like the
what is it the sugar, right, the sugar sugar. It's
a different colors, Marty Girl colors. And you got to
hide the baby, so somebody, wait, hold on, is the
baby already hidden? I think it's already taked in, right, Okay? Yeah.
And then my daughter she's always like, oh, I'm gonna
just get three or four pieces here, and she always
(06:57):
tries to get the baby. But so tell everybody, Brandy,
what does it mean if you get the baby when
you cut into the king cake.
Speaker 6 (07:03):
So when you're a kid in school, you do not
want to be the kid who gets that piece, because
what it means is next week you have to bring
the king cake. And so fourth grade. I'm in elementary,
right and we have king cake and I get the baby.
All right, So I'm like, mom, you got to buy
a kin cake. That's fine. Guess who got the king
cake again? Oh no, it's fun for the kid.
Speaker 5 (07:27):
There's room when you get to pass it on to
like the next front over.
Speaker 6 (07:30):
So okay, no, school is not my school. If you
got it, you got it. It is what it is.
But yeah, it's a Kincakes are amazing. You have to
try one.
Speaker 5 (07:38):
Well, I had one here, like somebody had like a
Marty Grotheen party. That's the only reason I really know
about kin cake and the little baby in there.
Speaker 3 (07:45):
I mean, I don't do you have any idea where
that tradition came from. I have no idea.
Speaker 6 (07:48):
Listen, I just know that we eat it.
Speaker 3 (07:51):
No same here. I really know nothing about it.
Speaker 4 (07:55):
I'm curious about why the baby in there.
Speaker 3 (07:58):
Yeah, well, my kids say it's so fun to get
the baby. I'm like, you guys don't even understand it's.
Speaker 6 (08:02):
The excitement of getting there, That's what I said. I
was excited. My mom not so much when I came
back the second time, because in school that means you're buying.
You're buying the next one.
Speaker 3 (08:11):
Yeah.
Speaker 2 (08:12):
Not.
Speaker 3 (08:12):
All the kids have probably thought it was rigged. They're like,
wait a minute, how'd Brandy know where the baby was twice?
Speaker 4 (08:18):
If she knew, she wouldn't have cut that piece.
Speaker 3 (08:20):
No, exactly, exactly, No, it's really coal. I'll try to remember.
I forgot to get a McRib when they were in season.
I promised Senny I was going to get her McRib.
She's never had a McRib, she's never skied in Russia,
she's never had a King cake. What else have you
not done?
Speaker 4 (08:35):
There's probably a lot.
Speaker 3 (08:36):
Oh my gosh. All right, we're gonna figure it out
every week on the radio. We're gonna figure out who
would do a segment. What has Sinnia not done? King
cake mcgrib and skiing in Russia? So let's go back
to skiing real quick before we get back to New Orleans,
because we're gonna in the second segment, we're gonna learn
a little bit about Brandy. Brandy's actually a real estate agent.
I get to meet Brandy at an event that I
did for some real estate agent. We did some educational
(08:58):
events and h and we had a little drawing and
somebody won an appearance and it was Brandy. She's the
winner of the appearance, so you know, I know she's
You're with Caldwell Banker, right, So we're to learn about that.
We're gonna find out how you got into real estate,
but that'll be in the next segment, so you guys
stay tuned. We're also going to do some market statistics.
Sennya always brings our statistics, and I'm hoping it's good
(09:18):
news because I will tell you, Senny, I feel busy
right now, like things are happening.
Speaker 4 (09:23):
Things are happening.
Speaker 3 (09:24):
They are. We're going to talk about that in the
next segment. We've got our statistics. Like I said, well,
maybe we'll talk about this little event I came from.
But I'm gonna go back to skiing real quick. So
you you in Russia, you never see it. Doesn't Russia
have good skiing, like mountains and stuff they do. I
did it in p What does that happen?
Speaker 4 (09:42):
But it was more like a cross country thing.
Speaker 5 (09:44):
So I just remember going back to class and I
just still felt like my.
Speaker 4 (09:47):
Legs were jealous, you know. Gliding yea jello.
Speaker 5 (09:50):
I've never really gone like on a mountain and you know,
tried it like that.
Speaker 3 (09:54):
It's have you done a brandy? Have you skied?
Speaker 6 (09:57):
No, I'm scared.
Speaker 3 (09:58):
Listen, you should be because it's scary. Like my kids
do stuff that I'm like, you gotta be kidding. But
these children, they don't have the fear of life in them,
you know, like life or death. You know me, I'm like,
I'm gonna break a leg, I'm gonna tear something. So
basically when you get to the top of the mounta,
first off, it's scary to get to the top, and
then we get to the top, then it's like it's
like basically like a battle to get down. You're like,
all right, I gotta get to the bottom and then
(10:20):
I'm gonna be okay. And then you get back in
line and you go back up and you're like, now
I gotta be okay again. It's uh yeah. Anyway, we
did it in a blizzard one time. You couldn't see
like ten feet in front of you, and that was fun.
So anyway, we'll talk more skiing and stuff. Maybe later
the event I just came from. I do want to
mention because Senya brought up reverse mortgages. We'll talk about
that later in the show because Brandy and I we
(10:41):
want to talk about a little story. I think about reverse
mortgages and somebody who needed help. But that's what I
just did as I went to the Northdale Owls. It
is on the first Tuesday of every month at the
Northdale Recreation Center. It is an amazing event. You have
to be over fifty five to join the Owls. It's
like a three hour thing they do and we do.
We have a little booth and we do education and
speaking of we are going to have a seminar at
(11:03):
Lincoln Lending Group. You have to be sixty two years
of age. It's only has room for fifteen people. We're
going to buy you a Tijuana Flats lunch and we
are going to give away a cracker barrel breakfast for
all who come. How do you register? Go to contact
Frankdibank dot com and just fill out a form and
I will reach out to you, or you just text
me directly at eight one, three, seven six five twelve
thirty nine. That's eight, one, three, seven sixty five, twelve
(11:26):
thirty nine, or contact Frankdibank dot com or you know what.
You can go to reverse guru dot Combably should probably
be saying that reverse guru dot com Easy, one, Yes,
way easy, reverse guru dot com. You can request a
call or call me directly from there and I will
register you for the event on March twenty seventh, Buy
you lunch, give away a breakfast, and teach you about
reverse mortgages. So when we get back, we're going to
(11:46):
have more of Brandy Brow, my favorite Cajun realtor here
straight in from martigral to learn about real estate. We're
doing statistics and a lot more here on the Business
Happy Aurs. So stay tuned to send youa from Maharan
Associates and Frank the Bank from Lincoln.
Speaker 1 (12:01):
All the best mortgage or real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frank,
Debank Koto and Sandia.
Speaker 3 (12:11):
Hey, Tampa Bay, welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial,
and we are having a great day. I had no
idea that our special guest today, Brandy brow was straight
out of New Orleans, and I heard last name spelled
b r E a u X. As soon as I
saw that, I'm like, oh, oh, you are definitely Cajun.
(12:31):
My wife is a Mizell and a Thibodeau, which is
I don't know can you even spell? I don't know
how to spell Thibodeau?
Speaker 6 (12:37):
Oh I too. I told you I went to college
in Thibodeau, Louisia.
Speaker 3 (12:40):
How do you spell it?
Speaker 6 (12:41):
T h I B O d a u X. Thibodeaux.
May feel like I'm gonna spelling bee.
Speaker 3 (12:45):
Yeah you are, and you won, and I lost because
I can't even spell my wife's maiden name or her
maiden grandma's name. Whatever. Sorry, honey, hope you're not listening anyway.
So New Orleans, it's Marty Grawl. It's fat Tuesday to day.
If you are listening to our show on Saturday or
Sunday morning, then it's over, isn't it over? Right?
Speaker 6 (13:04):
It's over? Yeah? Today is today is the end? Tomorrow
they are going to wake up. It's ash Wednesday and
we are gonna go ahead and be good Christians?
Speaker 3 (13:12):
So is that how that works? Like? Fat Tuesday is
the day you're like you get it all out and
do all the bad stuff.
Speaker 6 (13:16):
Well it it goes on for weeks. The big weekend
was this weekend. Starting Friday night, they're big balls. Saturday
night there's in Demian Baka Shaq was the king for
Bacca Shaquille O'Neal, which was really cool to see. So
jealous I wasn't there. And then Monday it goes on,
which is Lunda Gras, and then to today, so tomorrow
we try to become regular people again.
Speaker 3 (13:36):
So wait, mondays called Lundi Gras. Yes, what does that mean.
Speaker 6 (13:39):
There's a big celebration out on the river. It'll bring out.
Louisiana is very rich and indigenous Black Indian heritage, so
they come out. It's just a big celebration, a celebration
of love, very diverse. New Orleans is a gumbo pot.
Speaker 3 (13:55):
Oh it is.
Speaker 6 (13:56):
I feel like we're going to plan a trip for
you guys.
Speaker 2 (13:58):
Now.
Speaker 4 (13:58):
I think we can when I finally go.
Speaker 5 (14:02):
You are the person I'm calling, so you can, you know,
tell me about the the Londi Gras. Yeah. I never
heard of that, and I guess I didn't really know that.
It was like, oh, you know, week long celebrate. You
said three weeks.
Speaker 6 (14:15):
Actually, yeah, it goes it started, Yeah, it goes on.
But this is this is when people said this past
weekend is the weekend everybody goes home, okay, and this
is the weekend. I get envious when I see everybody
social media.
Speaker 3 (14:26):
So is the is like the crazy big party on
Bourbon Street today and tonight or was it this last weekend?
Speaker 6 (14:33):
This last weekend just all throughout the city starts uptown
New Orleans and goes down into the French quarters. Today
kind of ends early, so it actually today we start
working on you know, later in the afternoon, going back
to being good citizens.
Speaker 4 (14:45):
And yeah, what is like the parade with the beads?
Speaker 6 (14:48):
Oh, all the time, even during the week they're.
Speaker 4 (14:51):
That's not just like a one day thing.
Speaker 3 (14:52):
There's like tons of parades, right.
Speaker 6 (14:54):
So in high school, I was in a marching band.
My brother was in the marching band. Sometimes you are
marching right after school and have to get up next
morning and be at school for seven thirty.
Speaker 3 (15:02):
Oh my gosh, man. So I remember my wife telling
me that that is not just like Gaspella. We just
have a parade, but they have like literally weeks of parades.
Multiple and it's like different parts of the town, right, Yes,
it's crazy. It's the parishes.
Speaker 4 (15:16):
It's pretty busy.
Speaker 3 (15:17):
And you know they call them parishes there. Their counties
are parishes.
Speaker 6 (15:21):
Yeah, we have parishes. Yeah you're it's from Louisiana, that's right.
Speaker 3 (15:24):
I know. I'm like, what the heck is a parish. Anyway,
we went there, we took the kids there two years ago.
Rented a big house off of Saint Charles.
Speaker 4 (15:31):
I think it is for Mardi Gras.
Speaker 3 (15:33):
Uh no, No, we're not that crazy. Yeah, no, no,
but listen, Bourbon Street is Bourbon Street.
Speaker 6 (15:38):
Charles gets a lot of Mardi Gras action. It's a
good place, it does.
Speaker 3 (15:41):
It has like a lot of the old houses and stuff,
and it's it's really really nice.
Speaker 6 (15:45):
New Orleans is actually the first time I ever came
to Tampa in like six you know, just being around
ebor it makes me think of New Orleans, what the
shotgun houses, and so I was living in our land
and I was like, man, this really feels like home.
Are you here, Like it's kind of what made me
start loving Tampa.
Speaker 5 (16:00):
Yes, you were saying it from Orlando, but you're here now. Yes,
tell us your story and that was part of it.
Speaker 4 (16:05):
You thought you born like I'm coming here.
Speaker 6 (16:08):
It's a crazy story. So I went to I went
to school in Thibodeaux because Thibodeaux Nickel State was the
only school in Louisiana that had marine biology for a
degree until I graduated. Actually, a guy was recruiting for
Disney on campus. He said, if I can't he's on
my Instagram trend. I'm gonna have to make sure he
sees this. He said, if I can't get you a
job at Disney, I'll give you lunch money. So I
thought I was getting free lunch money. Never been to Epcot.
(16:30):
I didn't know they had an aquarium, and so I said,
he said, what's your major? Marine biology? And so we
go and he says, I want you to talk to
my friend Jackie. She works at the Living Seas Aquarium.
And that's how I got Tarlando in two thousand and four.
Marine biologists do not make money.
Speaker 4 (16:46):
I was gonna say it, like, why do you go
from marine biology?
Speaker 6 (16:49):
It's a great it's a great field. I loved it,
but to supplement income, I thought about going into real estate.
Two thousand and seven was the first time. So if
you go into the DVPR where you can look up agents.
You're gonna see two license numbers. My first license was
in O seven because you have to supplement and come live.
Speaker 3 (17:08):
Yeah, well marine, But it's funny like when I was
growing up, I don't they probably didn't do this in Russia. Sorry,
but I have to mess with her a little bit.
When I'm growing up, that was like the thing you
want to be a lawyer, a doctor or a marine biologist.
I am not kidding, Like, are you is that what
happened with you two? Like that was we must be
similar age because I mean this is like it was
(17:29):
a thing seniot like that was like they they'd come
and be like, oh, what are you gonna do? You
know when you're older? Oh, doctor marine biologist? Like who
came up with that? So, by the way, you're the
first marine biologist I've ever met. So somebody actually listened
and did it. So do you still do you still
mess with marine anything?
Speaker 1 (17:47):
Not?
Speaker 6 (17:47):
Really? I am a documentary nerd Oh okay. Anytime somebody
says something about their kid, and I was like, I
have shark teat, I have sting great plates. I'll bring
it to you. I'll bring it My goal in life
is real estate should help me segment into I actually
and oh five oh six, I wrote out a plan
for aquarium maintenance and set up business. But other than that,
just leisure now, like I would like to go to
(18:08):
Belize and die with the whale sharks. That's my That's
the freedom of real estate, right instead of working a
nine to five, is that I can start planning things
like that if my kids stop making my schedule for me.
Speaker 3 (18:23):
Yes, those kids do make schedules for us.
Speaker 6 (18:26):
Oh man.
Speaker 3 (18:26):
All day long. My wife and I have been talking
about the weekend and what can we and cannot do
based on the hockey and the cheerleading and I don't
even know the banquets and the galas and the whatever.
That's so marine biologists to real estate agents, and.
Speaker 5 (18:41):
I mean when you see houses that you walk in
and there's like an aquarium, any last one actually saw
like I just didn't look the healthiest, which I don't
know anything about, you know, maintaining aquarium, but you're probably
it's like your focus.
Speaker 3 (18:52):
I'm judging. I'm judging, judging. She's like, oh, I gotta
call this seller.
Speaker 6 (18:57):
I'm judging. No, I do I get caught up in it.
I talk to animals all day. Floor for ospreys and
hawks everywhere. Yes, but yeah, if I walk in your
house and I see I probably let my client go
around and I'm still at the tank.
Speaker 3 (19:09):
Oh my god. Now, now do you judge if it's
a fresh water quarem veru saltwater?
Speaker 6 (19:13):
No, I'm a Louisiana mug girl. I can't judge yet.
Speaker 3 (19:16):
Oh that's right. You know how to catch a crawfish?
Speaker 6 (19:18):
Oh yeah, I can eat them real good too.
Speaker 3 (19:20):
Yeah, my kids love you. Yeah, a new segment. Yes,
she has had a crawfish, all right, thank god. We
we we'd catch those in the little rivers in North
Carolina too, and catch a little crawfish and then you
they're awesome. Catch them under a rock. You know, I
don't know. In Louisiana they're probably different than North Carolina.
You get them under a rock and then we put
(19:40):
them on a on a on a hook and toss
them out there and the fish would go right after
those things every fishing. So we're gonna take a break
when we get back. We're learning a little bit more
about Britney bow. I think we've done enough on New Rman.
Oh my god, I said, I said, Brittany, Sorry, I'm
not even looking at my sheet, Brandy Bow. We'll be
back in a minute here, and we're gonna also talk
about what Seenia has no I've done and body.
Speaker 1 (20:01):
Welcome to the Business Happy Hour radio show with your host,
Frank Debank Coodo, the owner of Lincoln Lending Group right
here in Tampa Bay for twenty three years, joined by
his incredible co host, Senia Akishana, realtor with Maharaan.
Speaker 2 (20:14):
Associates, Tampa's top real estate company.
Speaker 1 (20:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:23):
If you're looking for local mortgage or.
Speaker 1 (20:24):
Real estate advice, the Business Happy Hour team has been
right here on news radio WFLA for over a decade.
Listen right here, or fight us on the Business Happy
Hour YouTube channel, or follow us on Instagram at Frank Debankkodo. Now,
sit back, relax, and get ready for some serious mortgage,
real estate and business talk with two of Tampa's top experts.
Speaker 2 (20:44):
Here's Frank de Bank and Senia.
Speaker 3 (20:47):
Hey you guys, welcome back to the Business Happy Hour.
Thank you for tuning in. I got a couple of
guys watching from our Instagram right now offics O king
rhinos that make sure those crawlfish are curled before you
eat them? What does that mean? Like I'm gonna get
sick if they're not curled. And what's the mean by
that brandy?
Speaker 6 (21:01):
You know they're cooked?
Speaker 3 (21:02):
Is that what it is? They got a curl and
it make sure the cool.
Speaker 6 (21:05):
Tail curl up.
Speaker 3 (21:06):
Oh okay, and if not, they probably don't taste so good. Wrong,
I'm going to give you that.
Speaker 6 (21:10):
I wouldn't try it. I wouldn't try it.
Speaker 3 (21:11):
Now. Did you do the crawfish races during your little parties?
Or you put them down and make them put them
in the circle and have a race there.
Speaker 6 (21:16):
Way, I was just there to eat.
Speaker 3 (21:18):
Oh man.
Speaker 6 (21:19):
I did play with crabs. So blue crabs, yeah, fun.
They're fun to catch and hold. So crawfish not so
exciting for freezes. I guess that's something I've never done.
Speaker 3 (21:28):
Yeah. At the last we did a family reunion up
there in uh Okay City Park. All right. See, I
knew she'd know where that is, right, City Park. It's
a nice little park and we had like one hundred
and fifty Cajun family there, my wife's side and all
that and all the kids. They made a big circle
on the ground and everybody got to pick a crawfish
and you put your crawfish in the circle, and then
you gotta let them go, and then whatever crawfish crawls
(21:48):
outside of the circle first wins. And the kids were
I mean, the kids were doing this for hours.
Speaker 4 (21:52):
That sounds like I could do for hours. That sound
super fun.
Speaker 3 (21:55):
It was it was. It was never the big ones.
It was always the small ones who made it out
of the circle, I guess. And then they didn't get eaten.
They actually we we we allowed them to live, like
we let them go, the ones who won the races.
It is kind of fun.
Speaker 6 (22:07):
Bless your hearts.
Speaker 5 (22:08):
We don't let anything make it.
Speaker 3 (22:11):
It's like that one goes in the pot. Put that
one in the what's your favorite crawfish recipe?
Speaker 6 (22:17):
So you have to get crab ooil, a good boil,
cut up, lots of garlic, lots of garlic, lots of onions, citrus,
and so Texas are gonna kill me. When I first
moved to Texas for a little while, they put the
seasoning on the outside though it's in the water. You
put it in you let it soak. Let it soak.
(22:38):
You know, cholesterol on the outside of that shells. Let
it soak. I'm a garlic fanatic. I even like to
eat the garlic out of there. Lots of garlic, lots
of onions. It's some potato sit in that crab oil.
Oh my gosh, it's amazing. You will love it. It
can be addictive.
Speaker 3 (22:54):
Have you had a crawfish boil?
Speaker 5 (22:57):
I just had a shrimp boil. I mean I had
cross fetch. But I don't know if it was like
you're describing. That sounds delicious.
Speaker 6 (23:04):
You have to get some Louisiana mudbugs in your system.
Speaker 3 (23:07):
The mud bugs makes it sound real. Appetite gets some mudbugs.
So we always do our statistics Brandy and Sennia. Since
she's with Maharan Associates, she brings in statistics, usually from Panellas,
Hillsboro and Pasco County. We talk about sales prices all that.
So since you are in real estate, and I figured
it's a good time we can let Sennya do some
(23:28):
statistics and then we can talk about the market. And
then we'll go back into Brandy and learn a bit
more about her and who your client is and who
should call you, especially if they're Cajun, go for it.
Speaker 5 (23:39):
So since you brought up the three counties and Hernando
as well, would just go over the numbers for all
four of those counties, all right? And in January are
your every year closed sales for single family homes. We're
up seven point nine percent and that's a total of
twenty four hundred and fifty eight units median sale price.
(23:59):
So again for all four counties, when you combine them up,
down one point.
Speaker 3 (24:02):
Three percent, okay, negligible, that.
Speaker 5 (24:05):
Number is three ninety four nine ninety And keep in
mind this is January numbers, right, so just traditionally, you
know January, you know, we just get over you know,
all the holidays things like that.
Speaker 4 (24:15):
But we're definitely feeling things wake up.
Speaker 3 (24:16):
Oh yeah.
Speaker 5 (24:17):
So aside from these stats, I know you said you're
getting busy. We're getting busy. Let's see what other number
is good. Medium time to contract was up seventeen point
one percent, so that's putting us at forty one days.
My personal prediction is that that number is going to
start going down really with the activity that we're seeing.
You know, there are more sellers that are finally deciding
(24:37):
to enter the market, and I think buyers should be,
you know, close behind that. So I do hope to
see that number go down. And months supply is up
forty two point three percent, that's your over year January.
It's still three point seven months supply.
Speaker 3 (24:52):
And we really needed to get down to three or less.
Speaker 4 (24:55):
Right, No, we need more, listen to, we still need more.
Speaker 5 (24:59):
And that's another prediction I have, is that that number
will keep going up, and I do think that's a
good thing.
Speaker 2 (25:04):
We need.
Speaker 4 (25:05):
We still need more inventory, and.
Speaker 5 (25:07):
I think that'll help buyers too, you know, when you
start seeing stuff, oh man, you know, I got this
one popped up, and oh you know, I think it'll
also help them get off the fence.
Speaker 3 (25:16):
So for years I didn't understand that. And mind, no, Brandon,
you comment on any of this, but I didn't. I
didn't understand the correlation between inventory and sales. Like I
kind of thought like, oh, well, you know, more inventory means,
you know, there's more options, and it's not really going
to drive more sales. But I think it excites people,
right because now you're you're searching on your Zilo or
real or to calm or whatever. And you get all
kinds of houses popping up that you never had an
(25:38):
option for. So I think it's.
Speaker 5 (25:39):
Traditionally that equilibriating number is six months. I would say,
let's just call it four to six months.
Speaker 3 (25:45):
Okay.
Speaker 5 (25:45):
Now, so we're still not even at that four month mark.
So I think if you are a buyer and you're
entering the market, you know you narrow down your area. Yeah,
it's still not like you have a ton of options,
even though yes we hear you know, homes are sitting
or whatnot. You know there's multiple factors there. You know,
some sellers still you know, stuck on price. You know,
as a seller you do have to be aggressive right now.
(26:08):
You know you have to price well and you know.
But ultimately, I think all these things are good for
our market. I do think we're going to have a
busy spring season and yes, hopefully more inventory.
Speaker 3 (26:21):
How you feel tells you it's coming.
Speaker 6 (26:23):
We were talking about it before. I've had some people
always say they ghost us right ryep, disappear on us.
Who are starting to call. I have a few pointments
next week. I have a listing right now. January, we
saw very minimal showings right last week and this week
showing showing requests, showing requests, sharing requests. I think part
of it is also we are in election time, so
(26:44):
you know, people kind of get wary and want to
wait and see which we can all respect, right, yes
and so, and then we're coming on a spring. Spring
is always just a good time in the market. But
to your hint, sometimes I'm a seller and I'm thinking
about it and my neighbor's sign goes up, right, and
in my neighborhouse seals Now I want to move, is
what's happening?
Speaker 5 (27:04):
Yeah, but that's why time to sellers like, don't wait
for your neighbors signed to go up now, you know,
if you're thinking about it, go ahead, and you know,
get on it.
Speaker 4 (27:13):
I mean, we're already in March.
Speaker 3 (27:14):
Yeah, I mean, gosh, it's hard to believe, though, right,
we're already in March.
Speaker 4 (27:17):
It's hard to believe.
Speaker 3 (27:18):
Yeah, I mean, does this means like officially as our
spring buying season started. I think it kind of happened.
Speaker 4 (27:22):
It's starting.
Speaker 5 (27:23):
And actually, you know what, because I always look for
maybe some interesting things I could pull up, and I
pulled up the migration trend for twenty twenty four. That
was released in November by the National Association of Realtors.
I don't know what these these numbers were, but anyway,
Florida was definitely like at the top of that list.
And forty six percent of people that move move south.
(27:44):
Oh so that's and I wanted to ask you guys, actually,
what do you think the top reasons were for people
choosing a select you know, a certain area to move to.
Speaker 6 (27:56):
We're in Florida. It's amazing, maybe by no, but you
have different people, right, you have the people coming from
up north. Obviously the weather is a big factor. You
have Southerners California. It's pricing, right. They have the beautiful weather,
they have the beaches. Our weather is a little bit
more amazing. I may be biased again. Or you have
(28:16):
somebody like Louisiana, like me, I love Louisiana. I lived
in Texas. But I can take an easy forty five
minute drive in any direction going south or north, and
I am at an amazing location, amazing beach. Right, I
don't have to go outside of the country or you know,
to the Caribbean.
Speaker 5 (28:35):
Absolutely, so yeah, the top reason, you know, and I
say that goes with location, but it's to be closer
to family and friends. And then the next one down
was more home for the money. Yeah, and this is
you know, nationally, so all the people that did make
a move.
Speaker 4 (28:49):
But the other one is reasons the.
Speaker 5 (28:50):
Clients chose to purchase a specific home, and it kind
of is across the board all over the country. But
in the South, what do you think that number one
reason is for the specific home that.
Speaker 3 (29:01):
You pick a pool, that's my guest, go for it brand.
Speaker 4 (29:05):
That's your guest.
Speaker 6 (29:06):
I'm thinking price.
Speaker 5 (29:09):
Very close, so outdoor space, and I would think Ohol
is definitely one of them. But I think we all
know I love my outdoor living areas, so that's always
been top on my list as well.
Speaker 4 (29:19):
And the next one down was more square footage.
Speaker 3 (29:22):
More square footage. So people, you know, people complain about
the prices here, but go take a drive up north,
you know, get get to Virginia and north you know,
d C, New York, Pennsylvania is all those those prices
are insane, so you know, we are spoiled. But then again,
I call it a great reset like when COVID, I
think I think it kind of reset our prices down
here and especially our beach real estate, our beach real
(29:44):
estate has been way undervalued for what we are and
we have the best beaches in the world right here
in Florida, to what Brandy was saying, and they were
too cheap, and I hate, I hate that. We're kind
of screwing Floridians, you know, because people lived here locally,
their whole life has got have gotten to take advantage
of it. But now you have all those people coming
from north. So my advice I think everybody in this
in this room will agree, is if you're a buyer
(30:05):
or a seller and you are on the fence, we
keep telling you it's time to get off, but you're
about to get kicked off the fence, Like it's not
going to be you stepping off of it anymore, because
it's going to go from a buyer's market to a
seller's market sooner than later.
Speaker 5 (30:20):
Talking about the beach properties, like yes, it's always been
very affordable, but now with the hurricanes, you know, we're
a few months down, you know, lots of things you
know happening there, and the homes that are going to
be you know, just reconstructed. I don't think those prices
are going to stay as affordable.
Speaker 4 (30:35):
I mean, if you've got a.
Speaker 5 (30:36):
Brand new home coming up on you know, one of
those prime lots.
Speaker 3 (30:39):
Yeah, listen, I think they're I have not seen deals
on the beach. I think they're going up, not down,
especially if people are having to rebuild. So, I mean,
I just I'm just such a proponent of ACT. Now.
The spring is the buying season, so if you wait
until the summer, that means you are already behind so
many people and so much opportunity. Before we take a break,
(31:00):
and in the last segment, we're going all Brandy all segment.
We're gonna find out everything we need to know about
her real estate career. But uh, I want to ask
Brandy a trivia question real quick. What do you think
and you got a little bit of this from the seminar,
what do you think today's thirty year fixed rate is
on a FAHA or VA? Just take a guess fixed right, Yeah,
thirty year rate FAHAVA.
Speaker 6 (31:24):
Are yet like five to nine.
Speaker 3 (31:26):
That's actually the most reasonable guess of anyone I've asked
in the last week. So that is close to close
to accurate. So you can lock. We just locked five
point two five percent. Guys, five two five, So everybody
who's sitting on the fence thinking you gotta wait for
the rates go down. Stop waiting, because when the rates
go down more, everybody's going to be in the market.
Oh yeah, Brandy, yours is almost the perfect wholesale average
(31:49):
five point eight seven five.
Speaker 5 (31:50):
I wonder if she would have said that though, had
she not gone to your little lunch and learn, because
most agents would guests higher.
Speaker 4 (31:55):
Yeah, even agents, you know what, I just consumers, So.
Speaker 3 (31:58):
They would, they would. So all that, we're gonna take
quick break, Rachel Low when we get back.
Speaker 1 (32:03):
With your host Frank the bank Koto, owner of Lincoln
Lending Group, and his co host Senia Akishna.
Speaker 2 (32:09):
Realtor with Mahara and Associates.
Speaker 3 (32:12):
Tampa Bay. Welcome back to the business app Here. We
are having a great time, and we had no idea
that we had a real life Cajun in the studio
on Marty Grawl. Couldn't have been any better. I hope
my wife is watching this show because she's probably dying
over there. Especial, she's gonna yell at me for not
knowing how to spell Thibodeau. So we have Mamma Mizell
and Mama Thibodeau there's a difference to Mama and Mamma.
By the way. Uh so Brandy bro but spelled b
(32:36):
r e a u X. That is Brandy b r
e a u X. You guys got to find her online.
You can google Machiner. You can go to the Instagram,
the Facebook. Uh she's she actually, if you're watching the
Instagram or Facebook, she's joined right here, so you can
tag right over to her. But she has a great
real estate agent. She knows her stuff. We're going to
talk about and learn a little bit more about her
in this last segment here, but we want you to
(32:58):
reach out talk to her. She can find you the
right place. I'm sure she's got some listings. She loves
working with buyers. I know that she knows her stuff
because she just nailed the interest rate question better than
any real estate agent i'd asked in the last thirty days.
Said they're in the high fives. And that is true
because you can get in the high fives right now
with very little points and very little cost. If you
(33:18):
want five in a quarter, you can do it. But
it's probably gonna cost you about a point and a
half to two points, right, So marry the house date
the rate. And let's talk to Brandy. Tell us, who's
your best client?
Speaker 6 (33:28):
Brandy an open minded client.
Speaker 2 (33:31):
Uh.
Speaker 6 (33:32):
And the reason I say that is because Tampa is
a unique market. Right. So people read stuff and they
say it may not apply to Tampa. It just may not.
So you have to be open minded. You also have
to understand that what you want you're probably not gonna
get in Tampa anymore. So you're gonna have to go
outside of Tampa. That's not bad, all right. Planned City
is looking amazing right now. Parish is looking up day City,
(33:54):
San Antonio. And so you have to be open minded.
You can have what you want on it may not
be where you want it. And just like we were
just talking about Tampa at the prices getting closer to
the beach, the prices they are what they are. You
have to I tell people all the time, see what
you can buy in New York City for three hundred
and fifty thousand.
Speaker 3 (34:13):
Dollars right like a box.
Speaker 6 (34:16):
Yeah, they they're coming down here and we're complaining about
prices because we're Southerners. But this is this is great
value to them. And so you have to be open minded.
Trust your agent. If you don't trust your agent find
another one, right, But you have because you have to
be honest if you too can't. If you don't, if
you're not trusting enough to be honest with them, we
can't help you properly, am I right?
Speaker 3 (34:38):
Right?
Speaker 4 (34:38):
Absolutely?
Speaker 6 (34:39):
We have to even your lender, Like when you are
talking to your lender, you have to what are you
really doing it for? Right? It's just a I just
want to get something to start, right, or is this
my forever home? Is it? Is it okay? If this
is just the first time stepping stone. Things like that
really help us navigate where you are, who you are,
and what we can really find for. You don't know
(35:00):
about you, but I'm a I'm an open house new
construction junkie, so like I want to see it, I
want to know it. So the more you tell me
and the more I truly know, don't say, oh, it's
okay if I go you know south, when you're not
happy with that, right, because then you're not happy with me,
and I'm not delivering the right service to you. Guys.
So open minded and honest guys, I love that.
Speaker 4 (35:19):
Yes, honest d I think is key.
Speaker 5 (35:21):
And sometimes there are buyers that are very you know skittish,
they don't know exactly what to share with you.
Speaker 4 (35:26):
But trust me, the more you know we know, the
better we can help you.
Speaker 3 (35:30):
Yeah, you have to be honest. We the way we
frame it, and that maybe you agents could use it
for you agents. Sorry, but maybe you real estate agents
over here sounds terrible could use this. But how we
say it to the client is we say picture, you're
you're broker, your originator, your banker, as your attorney, you
have attorney client privilege. You can tell us anything. And
(35:50):
then the underwriter is the big bad judge. Right, we've
legally let me say that. Legally, we figure out what
you have to tell the judge, right, because you don't.
You don't your attorney doesn't just take everything you said
and go and blurred in front of the judge. Right,
that's our job. So save with the real estate and
you've got to be honest with him. You have to
tell them everything or they're not going to find you
the right property. Ah what else, brandy.
Speaker 6 (36:14):
And just trust the process, right, some people, the process
goes smooth. It's going to be you know, I got
my pre approval in a few days and I'm out
the next weekend. That's not usually it. Right. The reason
why I even had a close number to that is
because I am a numbers junkie or I just want
to know. I was on LinkedIn today and I saw
Tampa Housing Authority. They were celebrating it was a lady's
(36:36):
three year journey to home ownership. Three years, right, No,
it doesn't usually take that long. But the fact that
she didn't give up is what I tell people. It's
okay if it takes you a few months. I close
with a guy last year was day three hundred and
sixty four from the first time he sent me a
message on Instagram and I said, he just got a divorce.
Take some time. I want you to talk to a
(36:57):
lender now, but trust the process, right, And it was
just to put him in a better situation. A better
situation interest rate rise. Right At the end of the day,
it comes down to what do you have to pay
a month? I always tell people don't I don't fee.
Lack of a better way to say, I don't care
what you get pre approved for. I need to understand
your lifestyle, right, Because if I know your lifestyle and
you like to travel, you got pre approof of five
(37:19):
hundred thousand, but we have to account for your travel lifestyle.
Speaker 3 (37:23):
Right, maybe a townhouse or condo could be better for that.
Speaker 6 (37:25):
I already yes, but this is this is where we
need that honesty, right, just to be very upfront.
Speaker 3 (37:32):
So tell them it's a great thing. You can tell
your banker instead of telling your banker what you want.
And this is good, and Brandy too what they want.
Ask them what they want their payment to be, and
then we'll just do the math backwards. You tell me
you needed to be under three thousand a month, Well,
I'm going to tell you what you can buy and
then Brandy's going to find that for you.
Speaker 6 (37:47):
Guess what, Everything's realistic, and nobody's feelings are not hurt, right,
no body's bubble is burst and they're upset. Now, now
you know what we have. We have a trusting relationship,
right because we were all out and stuff front. And
I think that's something at things I hear. When I
hear things negative, it's just because there wasn't an open
factor of just being truly open and honest. Lifestyle matters.
(38:09):
My son is an orchestra and he plays aau basketball man.
Speaker 3 (38:13):
Oh that's a mix right there.
Speaker 6 (38:17):
Yeah, oh yeah, So you know, like that's that that
has to account for a lifestyle for us, right, his
coaches just sent hotel rates, you see, So like these
are things we need to know because you don't want
to lose your lifestyle, like some people call a house poor,
right right. We can help you find what you want
and you can still keep that lifestyle.
Speaker 5 (38:36):
But overall, key is, and I mean I think that
goes across the board for all agents, is you call
the lender first before you start looking.
Speaker 4 (38:43):
You call them up.
Speaker 5 (38:44):
You guys talk the numbers, You figure out exactly what
is affordable.
Speaker 4 (38:48):
This is what you can qualify for.
Speaker 5 (38:49):
Maybe you can't qualify just yet because this is where
your budget allows you for and we need a little
bit of time maybe working on your credit.
Speaker 4 (38:55):
So that's where we start.
Speaker 5 (38:56):
And it's okay if it takes you know, a whole year,
you know, just start the problems exactly.
Speaker 3 (39:00):
And by the way, I'll throw this out there. Your
pre approvals, guys, even though technically they're only good for
ninety to one hundred and twenty days because of the credit,
as long as you don't screw up your credit and
don't quit your job, your preapproval with Lincoln leading group
is good indefinitely. So all these clients you're talking to
for years, that's fine as long as they didn't change
anything major. You're good, Brandy. It has been great having
you on the show. You've been a blast. I am
(39:23):
so happy that we had you on on Margaret that
we are titling the show Happy Marty Grawl with Cajun
realtor Brandy bro And it is spelled b r e
a u X you guys. If you forget it, go
to contact frankdibank dot com or reverse Guru. All you
got to do is click the button to call or
text me and then I will get you in touch
(39:44):
with our favorite Cajun real estate agent. And let's leave
the listeners with what's your favorite area to sell in
real quick?
Speaker 6 (39:49):
Everywhere? No?
Speaker 3 (39:50):
I love it?
Speaker 6 (39:51):
Hey, I do I go? If not, I'm going to
refer you to a great agent in that area.
Speaker 3 (39:56):
I love it. Well, thank you for coming on the show, Brandy.
It has been great.
Speaker 4 (39:58):
Thank you, Yeah, thank you so much.
Speaker 3 (40:00):
Yes, we'll see you guys next week on the Business
Happy Hour. Stay tuned
Welcome to the Business Happy Hour radio show with your host,
Frank the Bank Coodo, the owner of Lincoln Lending Group
right here in Tampa Bay for twenty three years, joined
by his incredible co host, Senia Akishna, realtor with Mahara Associates.
Speaker 2 (00:15):
Tampa's top real estate company.
Speaker 1 (00:17):
Together they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (00:23):
If you're looking for local mortgage or real.
Speaker 1 (00:25):
Estate advice, the Business Happy Hour team has been right
here on news radio WFLA for over a decade.
Speaker 2 (00:30):
Listen right here, or fight.
Speaker 1 (00:32):
Us on the Business Happy Hour YouTube channel, or follow
us on Instagram at Frank Thebankkodo. Now, sit back, relax,
and get ready for some serious mortgage, real estate and
business talk with two of Tampa's top experts.
Speaker 2 (00:44):
Here's Frank de Bank and Senia.
Speaker 3 (00:47):
Hey, Tampa Bay Happy. Saint Patty's Day month, that's right,
it is the month of March. It is where we
celebrate Ty Patty's Days. Oh, we're gonna have to help
up with the volume real quick. Just turn your volume
all the way down if you're mine. I'm glad you
guys are watching. Sorry, we're getting our little Instagram thing going.
We don't want to have that echo in y'all's ears.
We have a great show for you today. Look at this,
I'm wearing my green I got the green watch, I
(01:09):
got the green bracelet, I got the green jacket. Frank
is thinking money in Saint Patti's day today. If you
guys are not checking us out seeing all the colors
we're wearing today, you've got to go to our Instagram feed.
Don't forget. Senny and I are on Instagram every week, normally,
normally from about eleven ten to twelve, first Tuesday of
the month. I have something exciting we're going to talk about.
(01:31):
But first let me introduce my amazing co host, Sinnia
Aikesha ho yall.
Speaker 4 (01:35):
Hello, I'm doing great. I know I always say it,
but this weather, oh man, isn't it the best?
Speaker 5 (01:40):
It's the best. That's why we live in Florida. I
love this time of year.
Speaker 3 (01:44):
It is just enjoy it because in two months, god, god,
we've actually had a kind of a cold winter, haven't we,
like a little bit like we've had some snaps.
Speaker 4 (01:53):
Yeah, you know what, I didn't mind.
Speaker 3 (01:54):
It, though, neither you know, put it again.
Speaker 5 (01:56):
We think about summertime and it's like, all right, this
whole last so yes, yes, sweater weather is okay by me.
Speaker 3 (02:02):
You have all your your your coats from Siberia that
you used to have to wear.
Speaker 5 (02:05):
Idea, yeah, you do really never get busted out, you know,
it's usually just sweaters.
Speaker 4 (02:10):
That's as cold as it gets.
Speaker 3 (02:11):
But it's funny. We're going on spring breaks coming up?
Speaker 6 (02:13):
Are you?
Speaker 3 (02:14):
Does your kids spring break in a couple of weeks? Yeh,
like not. It starts next Friday, right for you? But
the seventeenth is that right? Is that when your starts
to I think is.
Speaker 4 (02:21):
The seventeen to the twenty first?
Speaker 3 (02:23):
Okay? Same one? Okay, So we're going skiing, so we're
pulling out all the jackets, all the kids. You know,
the kids are growing, so there are my sons still
by the way, landing. If you're listening with your buddies
at school right now, you need to try on your
ski bib when you get home. That's right now, your
baby bib, your ski bib, because I know I'm you
have to buy a new I told him he's gonna
wear my wife's If he doesn't, I'm like, I'm not
buying any one when we get out there, spending four
hundred dollars on one, You're crazy. Where you're going? We
(02:45):
go to Tahoe, I'm know Taho. Yeah, I'm going to
I'm going to Heavenly. Okay, Heavenly and Tahoe so beautiful.
You ever been there? No, I've been to Salt Lake Okay,
so so probably can you see the lake when you
ski at Salt Lake? Or no? Is there a lake
to look at?
Speaker 5 (02:58):
And you know what where I'm from, you're gonna laugh.
But I've never really gone ski maybe just like in Pe,
like when I went to school in Russia, but never
like the real deal where.
Speaker 4 (03:07):
You go vacation, you know, skiing somewhere.
Speaker 5 (03:10):
I know it's terrible, but my daughter wants to go
back to Colorado. So that's the plan, I think maybe
for next year.
Speaker 3 (03:15):
Yes, well, I got some great advice some snow. We'll
talk some more about this. In just second to me
to introduce our guest host today, we have Brandy bro
Welcome to the show. Brandy, Hi, guys, how are you doing.
Speaker 6 (03:26):
I'm doing good? A little jealous because I'm not in
New Orleans for Marty girl.
Speaker 3 (03:29):
I know, well, hey, I'm gonna go have to spell
your name for everybody right now. Brandy's last name is
spelled b r e a u X. And when I
found that out, I said, wait a minute, don't tell
me your cage. She's like, yes, I am. And did
y'all know what today is? It's fat Tuesday, right, Today's
Marty Gral It's the day that it all happens. It's
(03:50):
super exciting, Brandy. We're gonna get your sho's so sad,
I know because she's.
Speaker 4 (03:55):
In this and alogils in Florida.
Speaker 3 (03:57):
Yeah, yeah, you're not in Marty. Did you go to
Marty girl? A lot is? Did you grow up there?
Or how every year?
Speaker 6 (04:02):
I was there every year? My sister are just talking.
We're bad parents because our kids haven't been back in
seven years. So we'll be there next year.
Speaker 3 (04:08):
Oh my gosh, yes, yes, why you know? Did let
me let me actually move your camera just a little
bit up for your phone, just so I can. You're
a little out of frame that you want to make
sure everybody can see you there you go, Oh, that
looks perfect. So my wife grew up and we're gonna
get back to skim by the way, don't let me forget.
But my wife grew up in New Orleans, so's she's from. Yeah,
I guess New Orleans, proper, I guess she's from. Is
(04:30):
that where you were born? In New Orleans? Or Okay?
So she did the same thing. She's to tell me
stories about. They'd bring the kids to the Marty Gral
and they'd get y'all on a ladder and you'd like
sit on top of the ladders or whatever to catch
the beads. Is that about right?
Speaker 6 (04:43):
That's funny. If you look at my Instagram story right now,
it's a picture of my son in the ladder that
my dad made.
Speaker 2 (04:48):
Yeah.
Speaker 3 (04:48):
Yeah, they're like, first of all, get me right on
this brain. They look like the most dangerous things I've
ever seen. They're like they put like chairs on sticks
and hold their kids up. Right, it's real.
Speaker 6 (04:58):
You got to drill it in, make sure it's really good.
Speaker 4 (05:01):
He's got all the tips.
Speaker 6 (05:02):
Get a professional. My dad is a he can't do
anything great. So my dad ours is safe. He drilled
it in. He actually made it and so he actually
made the seat for my son. He made it when
we were little. So it's but there are some that
are unsafe.
Speaker 3 (05:15):
Oh, I'm sure, and I'm sure some of the parents
having a real good time. And then you know, I
was like, oh, there goes the kid. That's kind of cool.
Speaker 4 (05:22):
It's a good idea for our Gasprilla. I wonder if
some parents did that, I'd be sure.
Speaker 3 (05:26):
It is a good idea. Like yeah, and maybe not.
Speaker 4 (05:29):
The safest one if you don't know what you're doing.
Speaker 3 (05:31):
But they target them for sure when they do that,
like the guy's throwing the beads, they definitely target those guys.
Speaker 6 (05:36):
So Gasparilla reach out to me, you guys, I can
help and your experience.
Speaker 3 (05:41):
Yes, so tell us, tell us about Marty grass story,
tell us something fun, you know. I mean, so, how
about this? Do you do the King cake?
Speaker 6 (05:48):
Yeah?
Speaker 3 (05:49):
Yeah, you got one already for tonight.
Speaker 6 (05:51):
No, so I was trying to stay away from it.
But Merino Bakery and Brandon their story this morning. Oh
they have them and they look amazing.
Speaker 3 (06:00):
So there's a local place to get them. Yes, that's
the cake where.
Speaker 4 (06:02):
They hide the little baby.
Speaker 3 (06:03):
Yeah, yes, that's it.
Speaker 4 (06:05):
So you've done this another thing I haven't done. No.
Speaker 5 (06:08):
No, I've actually never brought Carleans and I've never done
Marti gral but it is on my bucket list.
Speaker 3 (06:15):
You know, I should have totally asked Brandy when I
saw the spelling of her name before we got on
the radio show. I'm sorry, I'm like, last minute Pete
over here, but I should have literally, I should have
been like, because there is a Gambinos king cake sitting
on my counter at my house right now, so you
know what Gambinos is obviously. So that's like the bakery
been around since what like nineteen forty nine or something
like that. And there that's where you go get your
(06:36):
king cake and they ship them to you, and then
it's got all the icing, so the kids put the
icing on, and then you got the colors, like the
what is it the sugar, right, the sugar sugar. It's
a different colors, Marty Girl colors. And you got to
hide the baby, so somebody, wait, hold on, is the
baby already hidden? I think it's already taked in, right, Okay? Yeah.
And then my daughter she's always like, oh, I'm gonna
just get three or four pieces here, and she always
(06:57):
tries to get the baby. But so tell everybody, Brandy,
what does it mean if you get the baby when
you cut into the king cake.
Speaker 6 (07:03):
So when you're a kid in school, you do not
want to be the kid who gets that piece, because
what it means is next week you have to bring
the king cake. And so fourth grade. I'm in elementary,
right and we have king cake and I get the baby.
All right, So I'm like, mom, you got to buy
a kin cake. That's fine. Guess who got the king
cake again? Oh no, it's fun for the kid.
Speaker 5 (07:27):
There's room when you get to pass it on to
like the next front over.
Speaker 6 (07:30):
So okay, no, school is not my school. If you
got it, you got it. It is what it is.
But yeah, it's a Kincakes are amazing. You have to
try one.
Speaker 5 (07:38):
Well, I had one here, like somebody had like a
Marty Grotheen party. That's the only reason I really know
about kin cake and the little baby in there.
Speaker 3 (07:45):
I mean, I don't do you have any idea where
that tradition came from. I have no idea.
Speaker 6 (07:48):
Listen, I just know that we eat it.
Speaker 3 (07:51):
No same here. I really know nothing about it.
Speaker 4 (07:55):
I'm curious about why the baby in there.
Speaker 3 (07:58):
Yeah, well, my kids say it's so fun to get
the baby. I'm like, you guys don't even understand it's.
Speaker 6 (08:02):
The excitement of getting there, That's what I said. I
was excited. My mom not so much when I came
back the second time, because in school that means you're buying.
You're buying the next one.
Speaker 3 (08:11):
Yeah.
Speaker 2 (08:12):
Not.
Speaker 3 (08:12):
All the kids have probably thought it was rigged. They're like,
wait a minute, how'd Brandy know where the baby was twice?
Speaker 4 (08:18):
If she knew, she wouldn't have cut that piece.
Speaker 3 (08:20):
No, exactly, exactly, No, it's really coal. I'll try to remember.
I forgot to get a McRib when they were in season.
I promised Senny I was going to get her McRib.
She's never had a McRib, she's never skied in Russia,
she's never had a King cake. What else have you
not done?
Speaker 4 (08:35):
There's probably a lot.
Speaker 3 (08:36):
Oh my gosh. All right, we're gonna figure it out
every week on the radio. We're gonna figure out who
would do a segment. What has Sinnia not done? King
cake mcgrib and skiing in Russia? So let's go back
to skiing real quick before we get back to New Orleans,
because we're gonna in the second segment, we're gonna learn
a little bit about Brandy. Brandy's actually a real estate agent.
I get to meet Brandy at an event that I
did for some real estate agent. We did some educational
(08:58):
events and h and we had a little drawing and
somebody won an appearance and it was Brandy. She's the
winner of the appearance, so you know, I know she's
You're with Caldwell Banker, right, So we're to learn about that.
We're gonna find out how you got into real estate,
but that'll be in the next segment, so you guys
stay tuned. We're also going to do some market statistics.
Sennya always brings our statistics, and I'm hoping it's good
(09:18):
news because I will tell you, Senny, I feel busy
right now, like things are happening.
Speaker 4 (09:23):
Things are happening.
Speaker 3 (09:24):
They are. We're going to talk about that in the
next segment. We've got our statistics. Like I said, well,
maybe we'll talk about this little event I came from.
But I'm gonna go back to skiing real quick. So
you you in Russia, you never see it. Doesn't Russia
have good skiing, like mountains and stuff they do. I
did it in p What does that happen?
Speaker 4 (09:42):
But it was more like a cross country thing.
Speaker 5 (09:44):
So I just remember going back to class and I
just still felt like my.
Speaker 4 (09:47):
Legs were jealous, you know. Gliding yea jello.
Speaker 5 (09:50):
I've never really gone like on a mountain and you know,
tried it like that.
Speaker 3 (09:54):
It's have you done a brandy? Have you skied?
Speaker 6 (09:57):
No, I'm scared.
Speaker 3 (09:58):
Listen, you should be because it's scary. Like my kids
do stuff that I'm like, you gotta be kidding. But
these children, they don't have the fear of life in them,
you know, like life or death. You know me, I'm like,
I'm gonna break a leg, I'm gonna tear something. So
basically when you get to the top of the mounta,
first off, it's scary to get to the top, and
then we get to the top, then it's like it's
like basically like a battle to get down. You're like,
all right, I gotta get to the bottom and then
(10:20):
I'm gonna be okay. And then you get back in
line and you go back up and you're like, now
I gotta be okay again. It's uh yeah. Anyway, we
did it in a blizzard one time. You couldn't see
like ten feet in front of you, and that was fun.
So anyway, we'll talk more skiing and stuff. Maybe later
the event I just came from. I do want to
mention because Senya brought up reverse mortgages. We'll talk about
that later in the show because Brandy and I we
(10:41):
want to talk about a little story. I think about reverse
mortgages and somebody who needed help. But that's what I
just did as I went to the Northdale Owls. It
is on the first Tuesday of every month at the
Northdale Recreation Center. It is an amazing event. You have
to be over fifty five to join the Owls. It's
like a three hour thing they do and we do.
We have a little booth and we do education and
speaking of we are going to have a seminar at
(11:03):
Lincoln Lending Group. You have to be sixty two years
of age. It's only has room for fifteen people. We're
going to buy you a Tijuana Flats lunch and we
are going to give away a cracker barrel breakfast for
all who come. How do you register? Go to contact
Frankdibank dot com and just fill out a form and
I will reach out to you, or you just text
me directly at eight one, three, seven six five twelve
thirty nine. That's eight, one, three, seven sixty five, twelve
(11:26):
thirty nine, or contact Frankdibank dot com or you know what.
You can go to reverse guru dot Combably should probably
be saying that reverse guru dot com Easy, one, Yes,
way easy, reverse guru dot com. You can request a
call or call me directly from there and I will
register you for the event on March twenty seventh, Buy
you lunch, give away a breakfast, and teach you about
reverse mortgages. So when we get back, we're going to
(11:46):
have more of Brandy Brow, my favorite Cajun realtor here
straight in from martigral to learn about real estate. We're
doing statistics and a lot more here on the Business
Happy Aurs. So stay tuned to send youa from Maharan
Associates and Frank the Bank from Lincoln.
Speaker 1 (12:01):
All the best mortgage or real estate advice from Tampa
Bay's top experts. It's the Business Happy Hour with Frank,
Debank Koto and Sandia.
Speaker 3 (12:11):
Hey, Tampa Bay, welcome back to the Business Happy Hour,
your number one show for all things business and entrepreneurial,
and we are having a great day. I had no
idea that our special guest today, Brandy brow was straight
out of New Orleans, and I heard last name spelled
b r E a u X. As soon as I
saw that, I'm like, oh, oh, you are definitely Cajun.
(12:31):
My wife is a Mizell and a Thibodeau, which is
I don't know can you even spell? I don't know
how to spell Thibodeau?
Speaker 6 (12:37):
Oh I too. I told you I went to college
in Thibodeau, Louisia.
Speaker 3 (12:40):
How do you spell it?
Speaker 6 (12:41):
T h I B O d a u X. Thibodeaux.
May feel like I'm gonna spelling bee.
Speaker 3 (12:45):
Yeah you are, and you won, and I lost because
I can't even spell my wife's maiden name or her
maiden grandma's name. Whatever. Sorry, honey, hope you're not listening anyway.
So New Orleans, it's Marty Grawl. It's fat Tuesday to day.
If you are listening to our show on Saturday or
Sunday morning, then it's over, isn't it over? Right?
Speaker 6 (13:04):
It's over? Yeah? Today is today is the end? Tomorrow
they are going to wake up. It's ash Wednesday and
we are gonna go ahead and be good Christians?
Speaker 3 (13:12):
So is that how that works? Like? Fat Tuesday is
the day you're like you get it all out and
do all the bad stuff.
Speaker 6 (13:16):
Well it it goes on for weeks. The big weekend
was this weekend. Starting Friday night, they're big balls. Saturday
night there's in Demian Baka Shaq was the king for
Bacca Shaquille O'Neal, which was really cool to see. So
jealous I wasn't there. And then Monday it goes on,
which is Lunda Gras, and then to today, so tomorrow
we try to become regular people again.
Speaker 3 (13:36):
So wait, mondays called Lundi Gras. Yes, what does that mean.
Speaker 6 (13:39):
There's a big celebration out on the river. It'll bring out.
Louisiana is very rich and indigenous Black Indian heritage, so
they come out. It's just a big celebration, a celebration
of love, very diverse. New Orleans is a gumbo pot.
Speaker 3 (13:55):
Oh it is.
Speaker 6 (13:56):
I feel like we're going to plan a trip for
you guys.
Speaker 2 (13:58):
Now.
Speaker 4 (13:58):
I think we can when I finally go.
Speaker 5 (14:02):
You are the person I'm calling, so you can, you know,
tell me about the the Londi Gras. Yeah. I never
heard of that, and I guess I didn't really know that.
It was like, oh, you know, week long celebrate. You
said three weeks.
Speaker 6 (14:15):
Actually, yeah, it goes it started, Yeah, it goes on.
But this is this is when people said this past
weekend is the weekend everybody goes home, okay, and this
is the weekend. I get envious when I see everybody
social media.
Speaker 3 (14:26):
So is the is like the crazy big party on
Bourbon Street today and tonight or was it this last weekend?
Speaker 6 (14:33):
This last weekend just all throughout the city starts uptown
New Orleans and goes down into the French quarters. Today
kind of ends early, so it actually today we start
working on you know, later in the afternoon, going back
to being good citizens.
Speaker 4 (14:45):
And yeah, what is like the parade with the beads?
Speaker 6 (14:48):
Oh, all the time, even during the week they're.
Speaker 4 (14:51):
That's not just like a one day thing.
Speaker 3 (14:52):
There's like tons of parades, right.
Speaker 6 (14:54):
So in high school, I was in a marching band.
My brother was in the marching band. Sometimes you are
marching right after school and have to get up next
morning and be at school for seven thirty.
Speaker 3 (15:02):
Oh my gosh, man. So I remember my wife telling
me that that is not just like Gaspella. We just
have a parade, but they have like literally weeks of parades.
Multiple and it's like different parts of the town, right, Yes,
it's crazy. It's the parishes.
Speaker 4 (15:16):
It's pretty busy.
Speaker 3 (15:17):
And you know they call them parishes there. Their counties
are parishes.
Speaker 6 (15:21):
Yeah, we have parishes. Yeah you're it's from Louisiana, that's right.
Speaker 3 (15:24):
I know. I'm like, what the heck is a parish. Anyway,
we went there, we took the kids there two years ago.
Rented a big house off of Saint Charles.
Speaker 4 (15:31):
I think it is for Mardi Gras.
Speaker 3 (15:33):
Uh no, No, we're not that crazy. Yeah, no, no,
but listen, Bourbon Street is Bourbon Street.
Speaker 6 (15:38):
Charles gets a lot of Mardi Gras action. It's a
good place, it does.
Speaker 3 (15:41):
It has like a lot of the old houses and stuff,
and it's it's really really nice.
Speaker 6 (15:45):
New Orleans is actually the first time I ever came
to Tampa in like six you know, just being around
ebor it makes me think of New Orleans, what the
shotgun houses, and so I was living in our land
and I was like, man, this really feels like home.
Are you here, Like it's kind of what made me
start loving Tampa.
Speaker 5 (16:00):
Yes, you were saying it from Orlando, but you're here now. Yes,
tell us your story and that was part of it.
Speaker 4 (16:05):
You thought you born like I'm coming here.
Speaker 6 (16:08):
It's a crazy story. So I went to I went
to school in Thibodeaux because Thibodeaux Nickel State was the
only school in Louisiana that had marine biology for a
degree until I graduated. Actually, a guy was recruiting for
Disney on campus. He said, if I can't he's on
my Instagram trend. I'm gonna have to make sure he
sees this. He said, if I can't get you a
job at Disney, I'll give you lunch money. So I
thought I was getting free lunch money. Never been to Epcot.
(16:30):
I didn't know they had an aquarium, and so I said,
he said, what's your major? Marine biology? And so we
go and he says, I want you to talk to
my friend Jackie. She works at the Living Seas Aquarium.
And that's how I got Tarlando in two thousand and four.
Marine biologists do not make money.
Speaker 4 (16:46):
I was gonna say it, like, why do you go
from marine biology?
Speaker 6 (16:49):
It's a great it's a great field. I loved it,
but to supplement income, I thought about going into real estate.
Two thousand and seven was the first time. So if
you go into the DVPR where you can look up agents.
You're gonna see two license numbers. My first license was
in O seven because you have to supplement and come live.
Speaker 3 (17:08):
Yeah, well marine, But it's funny like when I was
growing up, I don't they probably didn't do this in Russia. Sorry,
but I have to mess with her a little bit.
When I'm growing up, that was like the thing you
want to be a lawyer, a doctor or a marine biologist.
I am not kidding, Like, are you is that what
happened with you two? Like that was we must be
similar age because I mean this is like it was
(17:29):
a thing seniot like that was like they they'd come
and be like, oh, what are you gonna do? You
know when you're older? Oh, doctor marine biologist? Like who
came up with that? So, by the way, you're the
first marine biologist I've ever met. So somebody actually listened
and did it. So do you still do you still
mess with marine anything?
Speaker 1 (17:47):
Not?
Speaker 6 (17:47):
Really? I am a documentary nerd Oh okay. Anytime somebody
says something about their kid, and I was like, I
have shark teat, I have sting great plates. I'll bring
it to you. I'll bring it My goal in life
is real estate should help me segment into I actually
and oh five oh six, I wrote out a plan
for aquarium maintenance and set up business. But other than that,
just leisure now, like I would like to go to
(18:08):
Belize and die with the whale sharks. That's my That's
the freedom of real estate, right instead of working a
nine to five, is that I can start planning things
like that if my kids stop making my schedule for me.
Speaker 3 (18:23):
Yes, those kids do make schedules for us.
Speaker 6 (18:26):
Oh man.
Speaker 3 (18:26):
All day long. My wife and I have been talking
about the weekend and what can we and cannot do
based on the hockey and the cheerleading and I don't
even know the banquets and the galas and the whatever.
That's so marine biologists to real estate agents, and.
Speaker 5 (18:41):
I mean when you see houses that you walk in
and there's like an aquarium, any last one actually saw
like I just didn't look the healthiest, which I don't
know anything about, you know, maintaining aquarium, but you're probably
it's like your focus.
Speaker 3 (18:52):
I'm judging. I'm judging, judging. She's like, oh, I gotta
call this seller.
Speaker 6 (18:57):
I'm judging. No, I do I get caught up in it.
I talk to animals all day. Floor for ospreys and
hawks everywhere. Yes, but yeah, if I walk in your
house and I see I probably let my client go
around and I'm still at the tank.
Speaker 3 (19:09):
Oh my god. Now, now do you judge if it's
a fresh water quarem veru saltwater?
Speaker 6 (19:13):
No, I'm a Louisiana mug girl. I can't judge yet.
Speaker 3 (19:16):
Oh that's right. You know how to catch a crawfish?
Speaker 6 (19:18):
Oh yeah, I can eat them real good too.
Speaker 3 (19:20):
Yeah, my kids love you. Yeah, a new segment. Yes,
she has had a crawfish, all right, thank god. We
we we'd catch those in the little rivers in North
Carolina too, and catch a little crawfish and then you
they're awesome. Catch them under a rock. You know, I
don't know. In Louisiana they're probably different than North Carolina.
You get them under a rock and then we put
(19:40):
them on a on a on a hook and toss
them out there and the fish would go right after
those things every fishing. So we're gonna take a break
when we get back. We're learning a little bit more
about Britney bow. I think we've done enough on New Rman.
Oh my god, I said, I said, Brittany, Sorry, I'm
not even looking at my sheet, Brandy Bow. We'll be
back in a minute here, and we're gonna also talk
about what Seenia has no I've done and body.
Speaker 1 (20:01):
Welcome to the Business Happy Hour radio show with your host,
Frank Debank Coodo, the owner of Lincoln Lending Group right
here in Tampa Bay for twenty three years, joined by
his incredible co host, Senia Akishana, realtor with Maharaan.
Speaker 2 (20:14):
Associates, Tampa's top real estate company.
Speaker 1 (20:17):
Together, they have helped finance and clothes nearly one billion
dollars of real estate every year.
Speaker 2 (20:23):
If you're looking for local mortgage or.
Speaker 1 (20:24):
Real estate advice, the Business Happy Hour team has been
right here on news radio WFLA for over a decade.
Listen right here, or fight us on the Business Happy
Hour YouTube channel, or follow us on Instagram at Frank Debankkodo. Now,
sit back, relax, and get ready for some serious mortgage,
real estate and business talk with two of Tampa's top experts.
Speaker 2 (20:44):
Here's Frank de Bank and Senia.
Speaker 3 (20:47):
Hey you guys, welcome back to the Business Happy Hour.
Thank you for tuning in. I got a couple of
guys watching from our Instagram right now offics O king
rhinos that make sure those crawlfish are curled before you
eat them? What does that mean? Like I'm gonna get
sick if they're not curled. And what's the mean by
that brandy?
Speaker 6 (21:01):
You know they're cooked?
Speaker 3 (21:02):
Is that what it is? They got a curl and
it make sure the cool.
Speaker 6 (21:05):
Tail curl up.
Speaker 3 (21:06):
Oh okay, and if not, they probably don't taste so good. Wrong,
I'm going to give you that.
Speaker 6 (21:10):
I wouldn't try it. I wouldn't try it.
Speaker 3 (21:11):
Now. Did you do the crawfish races during your little parties?
Or you put them down and make them put them
in the circle and have a race there.
Speaker 6 (21:16):
Way, I was just there to eat.
Speaker 3 (21:18):
Oh man.
Speaker 6 (21:19):
I did play with crabs. So blue crabs, yeah, fun.
They're fun to catch and hold. So crawfish not so
exciting for freezes. I guess that's something I've never done.
Speaker 3 (21:28):
Yeah. At the last we did a family reunion up
there in uh Okay City Park. All right. See, I
knew she'd know where that is, right, City Park. It's
a nice little park and we had like one hundred
and fifty Cajun family there, my wife's side and all
that and all the kids. They made a big circle
on the ground and everybody got to pick a crawfish
and you put your crawfish in the circle, and then
you gotta let them go, and then whatever crawfish crawls
(21:48):
outside of the circle first wins. And the kids were
I mean, the kids were doing this for hours.
Speaker 4 (21:52):
That sounds like I could do for hours. That sound
super fun.
Speaker 3 (21:55):
It was it was. It was never the big ones.
It was always the small ones who made it out
of the circle, I guess. And then they didn't get eaten.
They actually we we we allowed them to live, like
we let them go, the ones who won the races.
It is kind of fun.
Speaker 6 (22:07):
Bless your hearts.
Speaker 5 (22:08):
We don't let anything make it.
Speaker 3 (22:11):
It's like that one goes in the pot. Put that
one in the what's your favorite crawfish recipe?
Speaker 6 (22:17):
So you have to get crab ooil, a good boil,
cut up, lots of garlic, lots of garlic, lots of onions, citrus,
and so Texas are gonna kill me. When I first
moved to Texas for a little while, they put the
seasoning on the outside though it's in the water. You
put it in you let it soak. Let it soak.
(22:38):
You know, cholesterol on the outside of that shells. Let
it soak. I'm a garlic fanatic. I even like to
eat the garlic out of there. Lots of garlic, lots
of onions. It's some potato sit in that crab oil.
Oh my gosh, it's amazing. You will love it. It
can be addictive.
Speaker 3 (22:54):
Have you had a crawfish boil?
Speaker 5 (22:57):
I just had a shrimp boil. I mean I had
cross fetch. But I don't know if it was like
you're describing. That sounds delicious.
Speaker 6 (23:04):
You have to get some Louisiana mudbugs in your system.
Speaker 3 (23:07):
The mud bugs makes it sound real. Appetite gets some mudbugs.
So we always do our statistics Brandy and Sennia. Since
she's with Maharan Associates, she brings in statistics, usually from Panellas,
Hillsboro and Pasco County. We talk about sales prices all that.
So since you are in real estate, and I figured
it's a good time we can let Sennya do some
(23:28):
statistics and then we can talk about the market. And
then we'll go back into Brandy and learn a bit
more about her and who your client is and who
should call you, especially if they're Cajun, go for it.
Speaker 5 (23:39):
So since you brought up the three counties and Hernando
as well, would just go over the numbers for all
four of those counties, all right? And in January are
your every year closed sales for single family homes. We're
up seven point nine percent and that's a total of
twenty four hundred and fifty eight units median sale price.
(23:59):
So again for all four counties, when you combine them up,
down one point.
Speaker 3 (24:02):
Three percent, okay, negligible, that.
Speaker 5 (24:05):
Number is three ninety four nine ninety And keep in
mind this is January numbers, right, so just traditionally, you
know January, you know, we just get over you know,
all the holidays things like that.
Speaker 4 (24:15):
But we're definitely feeling things wake up.
Speaker 3 (24:16):
Oh yeah.
Speaker 5 (24:17):
So aside from these stats, I know you said you're
getting busy. We're getting busy. Let's see what other number
is good. Medium time to contract was up seventeen point
one percent, so that's putting us at forty one days.
My personal prediction is that that number is going to
start going down really with the activity that we're seeing.
You know, there are more sellers that are finally deciding
(24:37):
to enter the market, and I think buyers should be,
you know, close behind that. So I do hope to
see that number go down. And months supply is up
forty two point three percent, that's your over year January.
It's still three point seven months supply.
Speaker 3 (24:52):
And we really needed to get down to three or less.
Speaker 4 (24:55):
Right, No, we need more, listen to, we still need more.
Speaker 5 (24:59):
And that's another prediction I have, is that that number
will keep going up, and I do think that's a
good thing.
Speaker 2 (25:04):
We need.
Speaker 4 (25:05):
We still need more inventory, and.
Speaker 5 (25:07):
I think that'll help buyers too, you know, when you
start seeing stuff, oh man, you know, I got this
one popped up, and oh you know, I think it'll
also help them get off the fence.
Speaker 3 (25:16):
So for years I didn't understand that. And mind, no, Brandon,
you comment on any of this, but I didn't. I
didn't understand the correlation between inventory and sales. Like I
kind of thought like, oh, well, you know, more inventory means,
you know, there's more options, and it's not really going
to drive more sales. But I think it excites people,
right because now you're you're searching on your Zilo or
real or to calm or whatever. And you get all
kinds of houses popping up that you never had an
(25:38):
option for. So I think it's.
Speaker 5 (25:39):
Traditionally that equilibriating number is six months. I would say,
let's just call it four to six months.
Speaker 3 (25:45):
Okay.
Speaker 5 (25:45):
Now, so we're still not even at that four month mark.
So I think if you are a buyer and you're
entering the market, you know you narrow down your area. Yeah,
it's still not like you have a ton of options,
even though yes we hear you know, homes are sitting
or whatnot. You know there's multiple factors there. You know,
some sellers still you know, stuck on price. You know,
as a seller you do have to be aggressive right now.
(26:08):
You know you have to price well and you know.
But ultimately, I think all these things are good for
our market. I do think we're going to have a
busy spring season and yes, hopefully more inventory.
Speaker 3 (26:21):
How you feel tells you it's coming.
Speaker 6 (26:23):
We were talking about it before. I've had some people
always say they ghost us right ryep, disappear on us.
Who are starting to call. I have a few pointments
next week. I have a listing right now. January, we
saw very minimal showings right last week and this week
showing showing requests, showing requests, sharing requests. I think part
of it is also we are in election time, so
(26:44):
you know, people kind of get wary and want to
wait and see which we can all respect, right, yes
and so, and then we're coming on a spring. Spring
is always just a good time in the market. But
to your hint, sometimes I'm a seller and I'm thinking
about it and my neighbor's sign goes up, right, and
in my neighborhouse seals Now I want to move, is
what's happening?
Speaker 5 (27:04):
Yeah, but that's why time to sellers like, don't wait
for your neighbors signed to go up now, you know,
if you're thinking about it, go ahead, and you know,
get on it.
Speaker 4 (27:13):
I mean, we're already in March.
Speaker 3 (27:14):
Yeah, I mean, gosh, it's hard to believe, though, right,
we're already in March.
Speaker 4 (27:17):
It's hard to believe.
Speaker 3 (27:18):
Yeah, I mean, does this means like officially as our
spring buying season started. I think it kind of happened.
Speaker 4 (27:22):
It's starting.
Speaker 5 (27:23):
And actually, you know what, because I always look for
maybe some interesting things I could pull up, and I
pulled up the migration trend for twenty twenty four. That
was released in November by the National Association of Realtors.
I don't know what these these numbers were, but anyway,
Florida was definitely like at the top of that list.
And forty six percent of people that move move south.
(27:44):
Oh so that's and I wanted to ask you guys, actually,
what do you think the top reasons were for people
choosing a select you know, a certain area to move to.
Speaker 6 (27:56):
We're in Florida. It's amazing, maybe by no, but you
have different people, right, you have the people coming from
up north. Obviously the weather is a big factor. You
have Southerners California. It's pricing, right. They have the beautiful weather,
they have the beaches. Our weather is a little bit
more amazing. I may be biased again. Or you have
(28:16):
somebody like Louisiana, like me, I love Louisiana. I lived
in Texas. But I can take an easy forty five
minute drive in any direction going south or north, and
I am at an amazing location, amazing beach. Right, I
don't have to go outside of the country or you know,
to the Caribbean.
Speaker 5 (28:35):
Absolutely, so yeah, the top reason, you know, and I
say that goes with location, but it's to be closer
to family and friends. And then the next one down
was more home for the money. Yeah, and this is
you know, nationally, so all the people that did make
a move.
Speaker 4 (28:49):
But the other one is reasons the.
Speaker 5 (28:50):
Clients chose to purchase a specific home, and it kind
of is across the board all over the country. But
in the South, what do you think that number one
reason is for the specific home that.
Speaker 3 (29:01):
You pick a pool, that's my guest, go for it brand.
Speaker 4 (29:05):
That's your guest.
Speaker 6 (29:06):
I'm thinking price.
Speaker 5 (29:09):
Very close, so outdoor space, and I would think Ohol
is definitely one of them. But I think we all
know I love my outdoor living areas, so that's always
been top on my list as well.
Speaker 4 (29:19):
And the next one down was more square footage.
Speaker 3 (29:22):
More square footage. So people, you know, people complain about
the prices here, but go take a drive up north,
you know, get get to Virginia and north you know,
d C, New York, Pennsylvania is all those those prices
are insane, so you know, we are spoiled. But then again,
I call it a great reset like when COVID, I
think I think it kind of reset our prices down
here and especially our beach real estate, our beach real
(29:44):
estate has been way undervalued for what we are and
we have the best beaches in the world right here
in Florida, to what Brandy was saying, and they were
too cheap, and I hate, I hate that. We're kind
of screwing Floridians, you know, because people lived here locally,
their whole life has got have gotten to take advantage
of it. But now you have all those people coming
from north. So my advice I think everybody in this
in this room will agree, is if you're a buyer
(30:05):
or a seller and you are on the fence, we
keep telling you it's time to get off, but you're
about to get kicked off the fence, Like it's not
going to be you stepping off of it anymore, because
it's going to go from a buyer's market to a
seller's market sooner than later.
Speaker 5 (30:20):
Talking about the beach properties, like yes, it's always been
very affordable, but now with the hurricanes, you know, we're
a few months down, you know, lots of things you
know happening there, and the homes that are going to
be you know, just reconstructed. I don't think those prices
are going to stay as affordable.
Speaker 4 (30:35):
I mean, if you've got a.
Speaker 5 (30:36):
Brand new home coming up on you know, one of
those prime lots.
Speaker 3 (30:39):
Yeah, listen, I think they're I have not seen deals
on the beach. I think they're going up, not down,
especially if people are having to rebuild. So, I mean,
I just I'm just such a proponent of ACT. Now.
The spring is the buying season, so if you wait
until the summer, that means you are already behind so
many people and so much opportunity. Before we take a break,
(31:00):
and in the last segment, we're going all Brandy all segment.
We're gonna find out everything we need to know about
her real estate career. But uh, I want to ask
Brandy a trivia question real quick. What do you think
and you got a little bit of this from the seminar,
what do you think today's thirty year fixed rate is
on a FAHA or VA? Just take a guess fixed right, Yeah,
thirty year rate FAHAVA.
Speaker 6 (31:24):
Are yet like five to nine.
Speaker 3 (31:26):
That's actually the most reasonable guess of anyone I've asked
in the last week. So that is close to close
to accurate. So you can lock. We just locked five
point two five percent. Guys, five two five, So everybody
who's sitting on the fence thinking you gotta wait for
the rates go down. Stop waiting, because when the rates
go down more, everybody's going to be in the market.
Oh yeah, Brandy, yours is almost the perfect wholesale average
(31:49):
five point eight seven five.
Speaker 5 (31:50):
I wonder if she would have said that though, had
she not gone to your little lunch and learn, because
most agents would guests higher.
Speaker 4 (31:55):
Yeah, even agents, you know what, I just consumers, So.
Speaker 3 (31:58):
They would, they would. So all that, we're gonna take
quick break, Rachel Low when we get back.
Speaker 1 (32:03):
With your host Frank the bank Koto, owner of Lincoln
Lending Group, and his co host Senia Akishna.
Speaker 2 (32:09):
Realtor with Mahara and Associates.
Speaker 3 (32:12):
Tampa Bay. Welcome back to the business app Here. We
are having a great time, and we had no idea
that we had a real life Cajun in the studio
on Marty Grawl. Couldn't have been any better. I hope
my wife is watching this show because she's probably dying
over there. Especial, she's gonna yell at me for not
knowing how to spell Thibodeau. So we have Mamma Mizell
and Mama Thibodeau there's a difference to Mama and Mamma.
By the way. Uh so Brandy bro but spelled b
(32:36):
r e a u X. That is Brandy b r
e a u X. You guys got to find her online.
You can google Machiner. You can go to the Instagram,
the Facebook. Uh she's she actually, if you're watching the
Instagram or Facebook, she's joined right here, so you can
tag right over to her. But she has a great
real estate agent. She knows her stuff. We're going to
talk about and learn a little bit more about her
in this last segment here, but we want you to
(32:58):
reach out talk to her. She can find you the
right place. I'm sure she's got some listings. She loves
working with buyers. I know that she knows her stuff
because she just nailed the interest rate question better than
any real estate agent i'd asked in the last thirty days.
Said they're in the high fives. And that is true
because you can get in the high fives right now
with very little points and very little cost. If you
(33:18):
want five in a quarter, you can do it. But
it's probably gonna cost you about a point and a
half to two points, right, So marry the house date
the rate. And let's talk to Brandy. Tell us, who's
your best client?
Speaker 6 (33:28):
Brandy an open minded client.
Speaker 2 (33:31):
Uh.
Speaker 6 (33:32):
And the reason I say that is because Tampa is
a unique market. Right. So people read stuff and they
say it may not apply to Tampa. It just may not.
So you have to be open minded. You also have
to understand that what you want you're probably not gonna
get in Tampa anymore. So you're gonna have to go
outside of Tampa. That's not bad, all right. Planned City
is looking amazing right now. Parish is looking up day City,
(33:54):
San Antonio. And so you have to be open minded.
You can have what you want on it may not
be where you want it. And just like we were
just talking about Tampa at the prices getting closer to
the beach, the prices they are what they are. You
have to I tell people all the time, see what
you can buy in New York City for three hundred
and fifty thousand.
Speaker 3 (34:13):
Dollars right like a box.
Speaker 6 (34:16):
Yeah, they they're coming down here and we're complaining about
prices because we're Southerners. But this is this is great
value to them. And so you have to be open minded.
Trust your agent. If you don't trust your agent find
another one, right, But you have because you have to
be honest if you too can't. If you don't, if
you're not trusting enough to be honest with them, we
can't help you properly, am I right?
Speaker 3 (34:38):
Right?
Speaker 4 (34:38):
Absolutely?
Speaker 6 (34:39):
We have to even your lender, Like when you are
talking to your lender, you have to what are you
really doing it for? Right? It's just a I just
want to get something to start, right, or is this
my forever home? Is it? Is it okay? If this
is just the first time stepping stone. Things like that
really help us navigate where you are, who you are,
and what we can really find for. You don't know
(35:00):
about you, but I'm a I'm an open house new
construction junkie, so like I want to see it, I
want to know it. So the more you tell me
and the more I truly know, don't say, oh, it's
okay if I go you know south, when you're not
happy with that, right, because then you're not happy with me,
and I'm not delivering the right service to you. Guys.
So open minded and honest guys, I love that.
Speaker 4 (35:19):
Yes, honest d I think is key.
Speaker 5 (35:21):
And sometimes there are buyers that are very you know skittish,
they don't know exactly what to share with you.
Speaker 4 (35:26):
But trust me, the more you know we know, the
better we can help you.
Speaker 3 (35:30):
Yeah, you have to be honest. We the way we
frame it, and that maybe you agents could use it
for you agents. Sorry, but maybe you real estate agents
over here sounds terrible could use this. But how we
say it to the client is we say picture, you're
you're broker, your originator, your banker, as your attorney, you
have attorney client privilege. You can tell us anything. And
(35:50):
then the underwriter is the big bad judge. Right, we've
legally let me say that. Legally, we figure out what
you have to tell the judge, right, because you don't.
You don't your attorney doesn't just take everything you said
and go and blurred in front of the judge. Right,
that's our job. So save with the real estate and
you've got to be honest with him. You have to
tell them everything or they're not going to find you
the right property. Ah what else, brandy.
Speaker 6 (36:14):
And just trust the process, right, some people, the process
goes smooth. It's going to be you know, I got
my pre approval in a few days and I'm out
the next weekend. That's not usually it. Right. The reason
why I even had a close number to that is
because I am a numbers junkie or I just want
to know. I was on LinkedIn today and I saw
Tampa Housing Authority. They were celebrating it was a lady's
(36:36):
three year journey to home ownership. Three years, right, No,
it doesn't usually take that long. But the fact that
she didn't give up is what I tell people. It's
okay if it takes you a few months. I close
with a guy last year was day three hundred and
sixty four from the first time he sent me a
message on Instagram and I said, he just got a divorce.
Take some time. I want you to talk to a
(36:57):
lender now, but trust the process, right, And it was
just to put him in a better situation. A better
situation interest rate rise. Right At the end of the day,
it comes down to what do you have to pay
a month? I always tell people don't I don't fee.
Lack of a better way to say, I don't care
what you get pre approved for. I need to understand
your lifestyle, right, Because if I know your lifestyle and
you like to travel, you got pre approof of five
(37:19):
hundred thousand, but we have to account for your travel lifestyle.
Speaker 3 (37:23):
Right, maybe a townhouse or condo could be better for that.
Speaker 6 (37:25):
I already yes, but this is this is where we
need that honesty, right, just to be very upfront.
Speaker 3 (37:32):
So tell them it's a great thing. You can tell
your banker instead of telling your banker what you want.
And this is good, and Brandy too what they want.
Ask them what they want their payment to be, and
then we'll just do the math backwards. You tell me
you needed to be under three thousand a month, Well,
I'm going to tell you what you can buy and
then Brandy's going to find that for you.
Speaker 6 (37:47):
Guess what, Everything's realistic, and nobody's feelings are not hurt, right,
no body's bubble is burst and they're upset. Now, now
you know what we have. We have a trusting relationship,
right because we were all out and stuff front. And
I think that's something at things I hear. When I
hear things negative, it's just because there wasn't an open
factor of just being truly open and honest. Lifestyle matters.
(38:09):
My son is an orchestra and he plays aau basketball man.
Speaker 3 (38:13):
Oh that's a mix right there.
Speaker 6 (38:17):
Yeah, oh yeah, So you know, like that's that that
has to account for a lifestyle for us, right, his
coaches just sent hotel rates, you see, So like these
are things we need to know because you don't want
to lose your lifestyle, like some people call a house poor,
right right. We can help you find what you want
and you can still keep that lifestyle.
Speaker 5 (38:36):
But overall, key is, and I mean I think that
goes across the board for all agents, is you call
the lender first before you start looking.
Speaker 4 (38:43):
You call them up.
Speaker 5 (38:44):
You guys talk the numbers, You figure out exactly what
is affordable.
Speaker 4 (38:48):
This is what you can qualify for.
Speaker 5 (38:49):
Maybe you can't qualify just yet because this is where
your budget allows you for and we need a little
bit of time maybe working on your credit.
Speaker 4 (38:55):
So that's where we start.
Speaker 5 (38:56):
And it's okay if it takes you know, a whole year,
you know, just start the problems exactly.
Speaker 3 (39:00):
And by the way, I'll throw this out there. Your
pre approvals, guys, even though technically they're only good for
ninety to one hundred and twenty days because of the credit,
as long as you don't screw up your credit and
don't quit your job, your preapproval with Lincoln leading group
is good indefinitely. So all these clients you're talking to
for years, that's fine as long as they didn't change
anything major. You're good, Brandy. It has been great having
you on the show. You've been a blast. I am
(39:23):
so happy that we had you on on Margaret that
we are titling the show Happy Marty Grawl with Cajun
realtor Brandy bro And it is spelled b r e
a u X you guys. If you forget it, go
to contact frankdibank dot com or reverse Guru. All you
got to do is click the button to call or
text me and then I will get you in touch
(39:44):
with our favorite Cajun real estate agent. And let's leave
the listeners with what's your favorite area to sell in
real quick?
Speaker 6 (39:49):
Everywhere? No?
Speaker 3 (39:50):
I love it?
Speaker 6 (39:51):
Hey, I do I go? If not, I'm going to
refer you to a great agent in that area.
Speaker 3 (39:56):
I love it. Well, thank you for coming on the show, Brandy.
It has been great.
Speaker 4 (39:58):
Thank you, Yeah, thank you so much.
Speaker 3 (40:00):
Yes, we'll see you guys next week on the Business
Happy Hour. Stay tuned
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