[Music]
Hello everyone and Welcome to another
episode of Selling Greenville your
favorite real estate podcast here in
Greenville South Carolina I am your host
as always Stan McCune realtor here in
Greenville technically Greer but you
know we call it all Greenville and
this podcast is all about real estate
and the local Greenville Market if this
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notes those of you that have reached
outs me you know that I pride myself
in being responsive I try to be as
responsive as possible I'm constantly on
my phone I live on my phone that's just
the way it is weekends weekdays week
nights whatever the case may be reach
out to me I am available
all right today we're going to be
talking about assembling your real
estate Dream Team assembling your real
estate dream team and let me preface
this by saying for a lot of people
assembling their real estate Dream Team
looks like them basically going
through me as their realtor to kind of
help them to do that and that is
totally fine that's one of the values
of a good realtor we' talked about that
before but I wanted to break it down
some people prefer to be a little bit
more Hands-On they want to do some of
that leg work themselves and that's
totally fine for those that want to do
that themselves I've got no problem with
that I'm totally fine with clients that
want to use people that they have used
in the past or that they have good
rapport with that is a totally
acceptable way of going about this but I
want to give you a filter through which
to understand how I I assemble my team
and if you find yourself in a situation
where you're assembling your own team or
if if there is maybe one part of the
puzzle that you want to assemble that
you want to be more Hands-On or whatever
the case may be I want you to have a
filter to put that through to understand
what all the Dynamics are that go
into putting a good team together to
make sure that you have a real estate
team that can help you when you're
buying and selling but but particularly
I'm thinking from the standpoint of of
buying real estate here so we're just
going to go down the line of like
several key people in the real estate
transaction and discuss what aspects
of those people are the most important
aspects the things that you need to take
into consideration and I want to start
with the lender this is a very
important part Maybe side of your
realtor the most important part of the
process and we need to start by By Me
explaining that not all lenders are
equal they're not all equal there is a
lot of variety among lenders you've got
mortgage brokers these are guys that
they issue the loan but then they are
going to immediately sell it to another
bank and then you know you're never
going to actually or you might or you
might not actually make a payment
directly to the broker you might just
you know they might sell it to BB&T and
you just start immediately making
payments to BB&T even though that's not
who you originally went through there
are local banks banks that are right
here in town there are the The Big
Box types of of banks that are National
I reference BB&T Bank of America
there are kind of the online only banks
which would be kind of like the quick
and Loans or you know Chase Bank also
does technically have branches but I
would kind of glump them kind of more
into the the online type of options
there are Credit Unions as well
obviously that operate in a little
bit of a different way than you know a
local lender they're like a hyper local
lender but not quite the same as just a
standard local bank so there's all sorts
of of different Banks and they all have
their pros and
cons obviously what people tend to
gravitate to tend to think about
immediately is who's going to give me
the best rates right who's going to out
of all of these give me the best rates
and that obviously is a very very
important
consideration and I recommend that
you at the very least price things
out from a local lender from a from I
should say a local bank
a local credit union a and a mortgage
broker it's it's good to have two to
three people involved now now you want
to make sure if they're pulling your
credit that your credit can handle a few
different hits but normally when
you're buying a house they're expecting
that to happen you know when they
look at your credit in underwriting
they'll see okay you had a few Banks hit
your credit all at the same time that's
just because you were you were shopping
around for for
mortgages usually and I have to say
usually because it it differs for
everyone that's something you want to
talk to with your lender but usually
it's it's going to be okay for that to
happen but there's another Beyond
just the rates what how how cheap your
closing costs are how low your interest
rate is going to be there's another very
important factor in choosing a lender
and that is some lenders are actually
going to be more attractive to the
seller and when the seller is reviewing
offers if if all us is equal they might
choose an offer that has one lender
versus another okay now I'm I'm doing a
quick drive by but I want to to go down
a little bit deeper into both of these
Concepts let me start by saying this in
my experience the best options tend
to be the local mortgage brokers and the
the local banks credit unions can be a
good option for outside the box types of
things
but often times they end up being
actually a little bit more expensive
than just the the normal local banks
or just the normal mortgage brokers
and the reason for that is that credit
unions tend to hold on to the loans
themselves they're they're kind of
operating in a different space they're
not going to sell loans whereas regular
Banks oftentimes they will they will
hold some they'll sell some I mentioned
that Brokers they always sell the loans
and so Credit Unions tend to be good
for Creative types of of deals because
they're looking at their portfolio of
loans that they have and deciding okay
we we have enough space to be able to to
lend for this type of property but
it's going to be a little bit higher
interest rate so often times their
interest rate is is the going to be a
little bit higher than you'll experience
with some of these other banks that are
handling more conventional types of
loans and and so often times a credit
union isn't your best bet unless you're
doing something a little bit more
creative with and and that's strictly
with regard to to the the rates and
the pricing and all of that your your
online or big box types of banks are
really nice from one standpoint which
is often times they have a lot of things
that are just obviously
online but a lot of things that you
can do without communicating with people
and for a lot of people that's really
attractive you know fill out your
application online get just get an
automated pre-approval letter maybe
you can just go back and just enter
something in and they'll just
immediately send you back a new
pre-approval letter I mean there there's
a lot of great things with that I've had
some clients that use Quick and Loans
that's like that it's like really quick
really efficient and it's great
but there's a problem with those
types of Banks and and the problem is
that it's only efficient when you're
when everything goes smoothly when
everything goes according to plan when
you don't have any hiccups when you're
not under the gun when you don't need
something out of the ordinary to be done
if you need something out of the
ordinary to be done you're using a Chase
Bank or a quick and Loans and in
most cases a bank like even Bank of
America or BB&T unless you have just a
very close Rel relationship with a
personal banker you're going to end
up in a situation or or you may end up
in a situation where you need something
to get done and you can't reach the
person to get it done or you're just
waiting for a phone call for a long time
or an email for a long time and it can
be a really big deal and so let me tell
you me as a realtor I have run into this
on multiple occasions if I'm looking at
two offers and offer number one
has the lender as Bank of Travelers
Rest a local bank and offer number two
says Chase Bank on it you know which
offer that I would want if I were the if
I were the seller everything else is
equal I'm going to go with the one with
Bank of Travelers Rest and that's a just
a small little bank but you know what I
know people over there I can reach
someone over there I can get someone on
the phone over there they they care
they're a smaller Bank these trans
actions mean more to them do you think
that a
$250,000 mortgage means a lot to Chase
Bank which is valued at who knows how
many I don't know I don't know how many
billions they're valued at but your
little mortgage to them it's just a drop
in the bucket right and they're probably
just going to pass that off to to
someone else it doesn't really matter to
them and so having a local lender
I think the outside of just the r
them being
local is one of the most important
things to me if you need to get
something done you can reach that person
you know you have someone a banker that
if you needed to you could go to the
bank and talk to them that's powerful to
them that transaction is a lot more
meaningful than it is to these massive
financial institutions that are doing
almost everything exclusively online and
don't really want to handle your phone
call particularly now during Co when
everyone is saying we have higher the
normal volume call volume that is
listen all those banks are going to say
that now and that's that's
frustrating
tied into all of this and I've
already alluded to this but the
responsiveness and availability of the
banker is a really big deal so you might
get a local Banker that's not super
responsive let me tell you I have
Bankers that I work with both mortgage
brokers that are local people that
work at local banks bankers at local
banks whatever you want to call
them they pick up their phones on the
weekends if I need something on a
Saturday I know I can get it good luck
getting that from from a quick and Loans
if you're under the gun for something
and you know you have not start of
the process or whatever or or there's
something again out of the ordinary
you're not going to be able almost
certainly to reach someone to get that
thing done and being able to communicate
with a person and to know that they are
going to get back in touch with you or
that they're going to get back in touch
with me as your realtor that is a really
powerful thing and that is something
that really separates the wheat from the
chaff when it comes to lenders I had a
situation few months ago where I had
some clients that a home came on the
market very
unexpectedly that that they wanted
they we were kind of un unprepared
because they had kind of given up they'
kind of given up crazy Market a lot of
people giving up these days as a
realtor we have to do a lot of work
with for our buyer clients and and
that's just the way it is right now
but they had given up and the house that
they really wanted actually came back on
the market it fell fell out from being
under under contract came back on the
market we immediately went to look at
it and they were not pre-approved or
anything you know we had their
pre-approval letter was like really
really old and you know we just kind of
needed to to restart some of those
things and it was a Saturday and they
were just like well Banks aren't open on
Saturday like how are we goingon to we
need to make an offer today how are we
going to do this and I was like oh no
they'll answer the phone for me and
while we were in the house I called A
lender and second ring he answered the
phone within an hour he had me a
pre-approval letter that is what you
need now if you just really have an
affinity for the Chase Banks and and the
quick and loans and for all of those I
listen I have closed transactions with
them but just understand you might find
yourself in this competitive market you
might be finding yourself putting at a
disadvantage for going with those Banks
and they might be offering you all sorts
of credits and all sorts of different
things but what good is that if you lose
out on the house because you're not
going with someone local that is a very
real thing trust me I talk to other
Realtors all the time and they're like I
do not want to deal with with those
banks give me someone local anyone
that's been doing this for a while knows
that and so you need to to keep that in
mind that needs to be a factor major
factor in your decision so we're going
to spend the most amount of time there
on the lenders but there are a lot of
other ones to consider as well your
inspector now obviously I have
different inspectors that I work with
and I can recommend if you don't have
one but really inspectors are an
interesting thing right because their
job is very it it's both Broad and also
specific so they're trying to find like
within two hours kind of like all the
big stuff that's wrong with the house a
bunch of little stuff and then you know
be able to tell you okay the AC is here
the furnace is here this is here these
are the ages for all these different
things so it's kind of a hodgepodge of
different things that they're doing and
the best inspector is someone that's
thorough but not nitpicky right I I
don't care if if I'm buying a house I
don't care if you know there's this
little thing here you know this door
knob is loose okay that's great make a
note of that make a note that the door
knob is loose or that or that the door
needs to be adjusted because you know
it's striking a part of the ground or
something that's that's an an important
detail but we don't need an inspection
report full of like 50 of those things
and then but then like neglecting the
fact that there's like hail damage on
the roof right there needs to be a
thoroughness but but not being nitpicky
and also understanding what is important
and highlighting those important things
and and it can be tough when you're
communicating with an inspector to know
you know if you're interviewing them for
instance to
know if they're like that and and you
know some of that you need to kind of go
with your gut you need to say okay
how does this inspector communicate is
he you know comfortable in his own
skin or her own skin those are very
important factors as well and that can
kind of help you to understand you know
whether it's a good inspector or not
strictly based on their communication
style and and obviously that's a an
important Point as well an inspector
needs to be able to communicate well
because they're going to be have a bunch
of written Communications and you're
probably going to talk to them either in
person or on the phone as well some
inspectors have a hard time
communicating without sounding alarmist
or without you know being like Oh man
yeah there are just a bunch of things
you know like that's not
helpful and I've actually fired
inspector there's an inspector U that
I had a few clients use that I fired him
because his communication was terrible
never going to use that guy
again and he was also a bit nitpicky
interesting in ly those two things kind
of go hand in hand the background of the
inspector is helpful as well you know
it's it's particularly useful if they
have some type of a background in
construction if they have done
things Hands-On you know not just go
they didn't just go to school to become
an inspector now there are some guys
that just went to school to become an
inspector and they're very good at it so
I don't want to completely poo poo that
idea but obviously if they if they
have more of a construction type of
background that's that can be really
useful that is great type of
experience for them and as well some
inspectors kind of get overwhelmed I
mean the reality of the situation we all
know this if you go into work on Monday
and you have a huge stack of papers on
your desk granted a bunch of you now are
working remotely you're working from
home so maybe your stack is a is an
email stack that's been piling up over
the weekend but it those days you
don't care for those days right you
would rather come in and be like okay I
can get out in front of this and you
know inspectors will sometimes they'll
they'll go to a house and and if it's a
massive house with a bunch of problems
that is a bit overwhelming just
naturally humanly speaking but you want
an inspector that Embraces that that
Embraces the challenge that doesn't let
the overwhelming get to him maybe he's
kind of like oh man I wish this were a
little bit easier but he doesn't
communicate that he doesn't let you know
that he doesn't make a big deal about it
make a bunch of snide remarks those are
the types of things that separate a
good inspector from a bad inspector good
inspector is just going to embrace a
challenge good inspector is going to be
willing to to get dirty go in that
cross space get on that roof do all
these different things and not just be a
guy with a CLI board walking around
finding all the places that don't
that you know that the COA is dried out
on those are not the good
inspectors I am very picky when it
comes to the inspectors that I work with
ones that communicate well are willing
to get get dirty not get overwhelmed not
you know whatever get frustrated when
it's a difficult type of inspection
and you know when they communicate they
communicate in a way that's clear that's
accurate that doesn't color the house
in in a inaccurate way in people's
minds and and by the way all of this
is important as well because this is
usually I always I have to get
permission from my clients to do this
but usually we send if you're the buyer
we send the inspection report to the
seller so that they can review it that
helps them to see it and and to U make
sure that they understand that they do
the repairs correctly and they might
call the inspector they might reach
out and and have questions and depending
on on that inspector's personality
that can really be a positive or
really be a negative so there is a lot
to consider there so that's your your
inspectors how about your appraisers
okay well you're not be interviewing
your appraiser ever I mean I guess if
you need a oneoff
appraisal for instance if you're not
getting you're not getting financing
you don't need an appraisal because
you're getting financing you you have a
unique house and you want an appraisal
done just because you want to see what
the house is worth okay then reach out
to reach out to an appraiser and you
know have the conversation with them
about how they how they approach their
appraisals what they consider
valuable or not valuable ask probe some
of the questions that you have about
your house why you think your house is
unique and how they might approach that
okay so so you can go ahead and kind of
get a sense by talking to the appraisal
about those the appraiser about those
things when you're getting financing
guess what guess who picks the appraiser
well kind of sort of the bank but also
kind of sort of not we there's a lot of
regulations here and it it's kind of
like a random pool that the lender ends
up selecting or or getting assigned
an appraiser
from and so the appraiser is a very very
important piece of the
puzzle but you have very limited
control over the appraiser what happens
if your appraisal comes in low what what
ramifications do you have well usually
if you're not wanting to bring more
money or if the seller is not willing to
reduce their price or if you're not
willing to back out of the contract
your option then is you can't just like
ask for another appraisal like that's a
conflict of interest that's the bank
not following protocol usually at that
point we'll have to to change lenders
unless you can prove that the appraisal
was not done correctly sometimes we can
contest appraisals that can that can be
done but It's Tricky contesting
appraisal usually doesn't work that
is something that I can do and and I
feel like I'm pretty good at it but
appraisers you know it's not like
they're haphazardly doing their job like
if they put a number in writing like
they're accountable for that number if
they mess that up that's not good that
doesn't reflect well on them and so
usually they stand by the number that
that they give so all of that to take
into consideration you have limited
control over over the appraiser very
important part of the puzzle if you run
into a low appraisal situation then at
that point we've got to talk we got to
talk through your options are you able
to bring more money to the closing table
is your is a seller willing to come
down on the price what what are the
options and that will all come down to
the way the contract is written what
terms whether you have an appraisal
contingency how much money you're
you're planning to bring down how much
more money you could bring down how
much leverage you have with a seller etc
etc all of those things come into play
at that point all right next one number
four on my list and and this isn't
really in any order outside of the
lender to me was the most important one
but number four is your insurance agent
now a lot of people just have an agent
that they have always used and and
that's totally fine listen that doesn't
impact the transaction that's the nice
thing nobody nowhere on the contract
does it say that you have to list
your insurance agent or that you're
getting the home insured or or anything
like that so so that's nice but if
you're getting financing you do have to
have homeowners insurance and so you
need to make sure that you can get
homeowners insurance some properties
if you're buying a fixer upper for
instance there can be some challenges to
getting insurance if you buy an old
house that has like old knob and tube
electrical in it guess guess what you're
going to have to find a pretty creative
insurance company there are some that
will do it but but you you might have to
go a few insurance companies deep in
your phone or on on the web and and of
course I can help with this as well
but the the first insurance company that
you call might not be able to to finance
that or sorry to provide insurance on
that property and so that is a a very
important consideration I think that
having a local insurance agent although
not necessary obviously they can be
licensed in a state but operate out of a
different state but I think having a
local insurance agent is helpful because
they might need to I've had situations
where an agent had to go and and take
pictures of the property there was a
question about the property that came up
as they were underwriting the
the
policy and the agent had to to go out
there and actually snap some pictures
obviously it's very important for
them to be responsive just like just
like these other ones the particularly
like the lender but you want your
insurance agent to be responsive someone
that you can go to with questions
someone that doesn't take multiple
days to respond to an inquiry
sometimes again things happen quickly
and you need to be able to get a quick
answer having a local responsive agent
is is important for you
obviously ones that are helpful and that
come up with Creative Solutions I think
that is perhaps the most underrated part
of working with a Homeowner's
insurance agent and and for a lot of
people that's not important because
they're not buying creative properties
if you're just buying a normal property
that you want to live in then it it's
probably not going to be that big of a
deal that they have to come up with
Creative Solutions or whatever the case
may be
but there are times when having
someone an insurance agent that is
able to think creatively can really be
what gets a deal done that is a that
can be a very crucial very important
part of it and so I like to to talk
to different insurance agents and just
you know ask them well what would you do
if you if we're buying a house that has
you know knob and tube electrical how
are you going to handle that how how do
you handle you know hazardous materials
what if there's as bestus and just
hear the way they process that if they
start sounding a little overwhelmed or
like oh I don't know we can do that that
might not be a a a good Agent and so
that's something worth considering as
well a good agent will help you to
understand if you can or should file a
claim on on a property based on
you know if a hail storm comes through
a good agent will they won't be able
to tell you if there is damage to the
property most likely they're not an
adjuster there's a difference between an
agent and an adjuster but they can at
least tell you if it's worth it to file
a claim what the ramifications might be
those are the things that make for a
good insurance agent how about a
contractor and this is one that is
obviously a very important one for many
people if you're purchasing a property
that needs
work I'll start with this a good
contractor has a good reputation and if
you need to
figure out whether they have a good
reputation or not run them by me and
I'll I I'll check with some of my
sources if I don't already know who they
are but that reputation is gold I've
heard so many people say you know what I
went against the recommendation of a
bunch of people to use a guy and I will
never do that again I regret that and
and yeah you you should there's a
reason why there are so many
contractors out there right now as
they're in such high demand and a lot of
them aren't that good and so you have to
really vet out their reputation maybe
get some sources from them
references and and check them out
make sure that they are someone that
would do a good job and of course I have
contractors that I have worked with over
the years that that I feel like do a
good job as well but if you're
interviewing them on your own look for
that reputation that's really important
when you're walking through a house with
a contractor there there are some things
that you can pick up on as well for
instance if the contractor kind of has
his or her own Vision you know and
and sees the potential of a house versus
coming in and and this is kind of a
common theme we've talked about some
of these people getting kind of
overwhelmed if a contractor comes in
they're like oh man I mean they they
messed up everything in here like this
is look at this wiring H this is going
to be so much work and if they if they
keep using that type of language versus
saying oh man yeah we could just we
could do this and have you thought about
doing this and and they're they're
bringing value versus just emoting right
I you don't want a contractor that just
emotes I had a contractor one time my
very first contractor in my very first
house I didn't know how to do this
how to interview a contractor I didn't I
didn't know how to go about that process
and and there wasn't as much
information available back then as there
is now but I just remember every time I
would ask him something he would start
with this like you know like he would
make this sound
like you know and and it was almost
like he was nervous and just just wasn't
comfortable about stuff I don't know if
he wasn't comfortable about himself
comfortable about the project it wasn't
even that big of a project but that
kind of comfort level comfort level
in themselves Comfort level in in the
project in the house you can pick that
up pretty quickly when you're walking
through it with a guy or with a gal
you know there aren't very many contract
rors that are women but there are some
and and sometimes there are husband
wife teams and there there's all sorts
of different ways to that we see that in
the contractor world but the point is
that if you want to see a level of
comfort you want to see a level of
that they aren't so focused on all the
things wrong that they can't see all the
things all the potential that can be
done because you want obviously you see
potential you want for them to also see
potential and they can hopefully
bring ideas for you that will be helpful
for you in the long run and and and
that will allow for you guys to kind of
bounce ideas off of each other I think
as well how good of a listener are they
like you want them to be able to bring
ideas and whatnot but you also they also
need to be able to listen they also need
to be able to take good notes to have
an idea of of what you want and to be
able to When You Say Hey I want to do
this if if they then come back like two
minutes later and say now do you want to
do that you know did do you want to
replace the windows and you just told
them like a few minutes ago that you
wanted to replace the windows they're
not listening or or they're
overwhelmed and not able to process
everything and so try to pick up on
those types of things and one of the
most important but overlooked traits of
a contractor is how organized they are
and oh man that is I mean that really
does separate we talked about before
separating the wheat from the chaff
an organized contractor is a very rare
bird but again there are some things
that you can pick up on what type of how
are they communicating with you right
are they communicating in a way that's
organized do they have like five
different emails that they're emailing
you from that's probably not very
organized do they have like an online or
or some type of software that they use
for managing their project that's good
that's good organization not the end all
be all but that's good when they look
at a house do they have are are their
thoughts organized are they thinking
okay let's look at this then let's look
at this then let's look at this and
let's take these measurements and let's
do this all all of those things help you
to get an idea of whether whether
they're organized or
disorganized and usually if they're
organized that's a really good sign now
I know some contractors that are pretty
organized but are not good at what they
do because there are there's more to
doing that job than just being organized
but that is a part of it that
definitely comes into play and you
can definitely pick up on that in
your conversation with them just the way
they just organize their thoughts and
the way they think through things all
right we're starting to go over time
here one last thing and then we're done
closing attorney all right closing
attorney is probably the least
important out of all of these that's
because in South Carolina you know some
some states don't even require closing
attorneys we do in South Carolina they
do the title work they issue they help
to issue the the the title insurance
policy to make sure that you're
protected in terms of your ownership
of the home and with a closing
attorney the thing is that they do
represent the buyer but they really also
just represent the transaction now that
being said one of the things that I like
is the closing attorneys that explicitly
Embrace that they are representing the
buyer in a unique way that even though
they're also representing the
transaction they're they're not really
representing the seller right so they're
representing the buyer and the
transaction now some some closing
attorneys in South Carolina and in
Greenville they will not say that
they're representing the buyer they'll
only say they're representing the
transaction me as a buyer agent I like
the the attorneys that are like that
will say hey we are representing the
buyers as part of this they are the ones
that are paying us they're the ones that
are hiring us we have a
fiduciary type of relationship with
them we're also nonbiased to some extent
in terms of of the transaction we have
to be honest with all parties but they
are the good ones in my opinion
are the ones that say upfront hey we are
representing the buyer more so than
the seller in this transaction I like
that
that's not the end all Beall but it
it's just it's a good part of it it's
also good if if they are just helpful in
general and that's a little bit of a
harder thing to vet out if you call
closing attorney and you know you'll
probably get the the person that answers
the phone it's not going to be the
attorney but if you ask them some
questions and they're able to answer
your questions or are like hold on let
me me get the answer to that right now
that's a good sign that that means
they're they're organized that means
they're helpful versus them saying you
know what if it's an easy question you
know what we'll need to get back with
you in a couple hours if it's an easy
question if you're just like hey when
could you close this when you have
availability to close this or you know
something like that and they need to
like get back with you on that that's
not helpful that's not good and I've got
closing Attorneys at the actual attorney
I've got on my phone can text them and
get an answer from them but at the end
of the day most closing attorneys defer
the majority of their work onto their
paralegals and so the rubber meets the
road with the paralal a good attorney
has good paral legals a bad attorney has
bad paral leals at the end of the day
that is what determines more so than
anything what is a good attorney or not
and you say well how do I interview the
pargal well unfortunately you can't but
I can share a a lot of experience that I
have had over the years with different
attorneys and can can help you with that
I have people all the time actually that
are having issues with with different
closing attorneys investors that are are
cranking out a bunch of of different
deals throughout the year like hey
who's a good closing attorney like
they're I'm just having all kinds of
trouble with pargal doing this or
that and so I I make recommendations
to to people all all the time for for
for different closing attorneys and
so I can help with that as well
unfortunately that's going to be one
that perhaps you can do some online
research but it's a little bit trickier
from the standpoint of trying to
interview them and trying to to get a
sense of what these different parties
are like because you're probably the
first time you call if they don't
know who you are you're just going to be
talking to the secretary you're just
going to be talking to the front desk
person but the cling attorney is is a
big deal at the end of the day from
the standpoint of if you're doing
anything creative if you're trying to
close quickly you want to make sure that
that is a good closing attorney that
they can handle it that they know what
they're doing that they can help you in
a situation where unique things are
happening and again I can assist with
that and if you need assistance with
that I hope that you will consider using
me as your realtor if you're not already
doing that my contact information is
in the show notes I always say that I
always say please rate and review
subscribe do all those cool things to
the Pod hope you guys are enjoying it
that is a wrap for today let me know if
you have any questions but until next
time stay safe enjoy the nice Spring
weather outside
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