Tiffany Hill, Esq. is an attorney, author, and filmmaker who finds her greatest joy in empowering others. Attorney Tiffany is a corporate and consumer law attorney who is licensed to litigate in Louisiana, Oklahoma, Texas, and Ohio. As owner of TH Legal Consulting, Tiffany's practice includes federal court litigation, contract negotiation, corporate compliance, policy development, and higher education law. She has successfully litigated on behalf of her clients to eliminate over $1 Million in debt pursuant to federal laws that require credit reports to contain accurate information. As a corporate attorney, Tiffany assists with the formation of legal entities and protecting the business brand. She ensures her business clients obtain clarity in the contracts that guide their transactions and minimizes their legal liability. She has negotiated global contracts for clients in the real estate and personal protective equipment (PPE) field with portfolios totaling over $1 Billion. Tiffany also serves as a board member for the American Psychological Association (APA) and the Council on Education for Public Health (CEPH). AuthorTiffany is the author of “Authentic Me: A Story of Strength, Perseverance and Faith, wherein she shares her deeply moving and personal story as a survivor of an emotional and physically abusive marriage. She helps other survivors of traumatic experiences to transition from pain to purpose. FilmmakerTiffany is the Executive Producer of “The Last Time,” a domestic violence awareness film. The Last Time depicts the story of a modern-day power couple whose seemingly perfect life contradicts their private abusive encounters, creating an opportunity for viewers to have authentic dialogue about eradicating domestic violence. The Last Time stars Tommy Ford, Charmin Lee, and many other talented actors. The film made its television debut in 2017 and continues to air on Aspire TV as part of the network's ABFF Independent segment, hosted by music recording artist David Banner, with a reach of 37 million viewers nationwide. Tiffany earned her Juris Doctorate and Bachelor of Civil Law degrees from Louisiana State University and her undergraduate degree from Southern University, both located in Baton Rouge, Louisiana. She is actively involved in community service and is a member of several national organizations, including Alpha Kappa Alpha Sorority Inc. and The Links, Incorporated. Of all of her accomplishments, she counts her role as mother of three sons- Tyler, Trent, and Tanner- to be the greatest. With a rare sense of purpose and an inspirational journey of triumph, Tiffany knows there is nothing more valuable than embracing one's own truth. She is emphatic about people, particularly women, understanding that self-love is paramount. Among the mantras by which she lives is: “To live authentically is the ultimate form of happiness!” ContactTH Legal Consulting LLC PO Box 5302, Edmond, OK 73083 firstname.lastname@example.org
More storms roll through Oklahoma, A new study shows the rural benefit from federal food assistance. An event in Edmond makes Halloween safe for kids with autism. You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment. You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Twitter and Instagram at KOSU Radio. This is The KOSU Daily, Oklahoma news, every weekday.
#77 Today's topic is about how to work through a problem you are having or breakthrough your personal wall by writing.It is sometimes nice to talk to others or seek outside help but one of the best ways to help yourself is to write it out. Talk to yourself and listen to what you have to say. Wait! Before you say, I don't know how to do that, or I don't like writing, or I am not a good writer, I have an answer to that. Well, my guest today does.Treasa Edmond is a ghostwriter and a writing coach and she is here today to tell you many of the benefits writing can bring to your life. Even if you are not a wordsmith or a poet, if you can speak then you can express yourself, problem-solve, overcome obstacles, and manifest your dreams by writing it all down. It is so much easier to look at what is going on in your life when you get it out of your head and put it on paper. Treasa will tell you how easy it really is.Show notes for this episode can be found at:howtolife.com/077
Join a ragtag group of life long friends as they head out from Waterdeep on a mission for the Watchful Order, and dive head first into the world of Spelljammer. What they'll find is far more exciting, and terrifying, than anything they could every imagine. Sit back into that helm and hold on tight, we're heading to Wild Space! Cast DM: Ben Norris Bugs: Phoebe Hammond Zidar: Wesley Crutchley Halxian: Samuel Walpole Matches: James Williams Written and produced by Ben Norris as part of the We Speak Common Network Want to get involved? Support the Podcast on Patreon Find us on twitter: @WeSpeakCommon Email us at email@example.com Visit us online at https://wespeakcommon.com/ Theme "NanoPhage" by Tri-Tachyon (freemusicarchive.org) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ Soundtrack: Kevin MacLoed - incompetech.com • Promising Relationship • Screen saver • Babylon • Bleeping Demo • Furious Freak • Lightless dawn Daniel Birch - freemusicarchive.com • Safe As Houses • Growing Pains The Fiechters - YouTube • Into the Unknown Tabletop Audio - Tabletopaudio.com • Waterkeep • Medieval town Ivan Duch - ivanduch.com • Edmond's Field • Small Town Feeling • A Warriors Sorrow • The Streets of Baerlon All tracks licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ Additional sound effects from https://www.zapsplat.com
Talon Davis goes Totally Oral with Clint and Russell and shares the journey he's taken since his budding days in Edmond, Oklahoma, which includes being a trained classical musician. Russell shares the seamless journey he's experienced going green by adding solar panels to his office and a water distiller to the sewage system in his backyard.
Another Oklahoma tribal nation gets its boundaries reaffirmed in court. The Health Department adds non-binary gender options on birth certificates. Paycom's CEO gives a big gift to an Edmond college. You can find the KOSU Daily wherever you get your podcasts, you can also subscribe, rate us and leave a comment. You can keep up to date on all the latest news throughout the day at KOSU.org and make sure to follow us on Facebook, Twitter and Instagram at KOSU Radio. This is The KOSU Daily, Oklahoma news, every weekday.
Jill Castilla, President and CEO of Citizens Bank of Edmond, led a 180-degree turnaround at the bank through her approach to FinTech and social media. She changed the story of the Bank from one of near collapse and failure to one of great success and innovation. Jill broke virtual radio silence through the power of social media by leading the bank from having no audience to more than 30,000 followers who engage with the Bank through Twitter, Facebook, YouTube and Instagram. She has been named “Most Admired CEOs in Oklahoma", “Most Innovative CEOs in Banking”, "Community Banker of the Year" and "Most Powerful Women in Banking". Her entrepreneurial spirit spills over into her community engagement as the founder of “Heard on Hurd,” a monthly street festival that revitalized downtown Edmond, creating over $35 million in immediate economic impact. An Army veteran, wife and mom, prior to joining Citizens Bank, she was at the Federal Reserve Bank of Kansas City and with a community bank in Minnesota. Jill holds a master's degree in economics from the University of Oklahoma, she is a graduate of the University of Wisconsin-Madison's Graduate School of Banking and completed her bachelor's degree in finance from Hawaii Pacific University where she is a Distinguished Alumna.
In this episode, we speak with Vikki Smith, the inspirational leader of Edmond, Okla.-based rescue Fetch Fido a Flight. Every month, Vikki and her team charter flights to the Pacific Northwest and rescue more than 100 dogs from overcrowded Oklahoma shelters. Each flight costs nearly $20,000 and Vikki must fundraise that amount every month in order to save the lives of animals in danger of euthanasia. It's a wonderful story of a woman who saw a problem, refused to accept the status quo, and then worked diligently to find a solution.
This week in Oklahoma Politics, KOSU's Michael Cross talks with Republican Political Consultant Neva Hill and Civil Rights Attorney Ryan Kiesel about State Superintendet Joy Hofmeister switching her political affiliation to Democrat to challenge Governor Stitt in next year's election, tribal leaders calling out the governor for his stance on the U.S. Supreme Court's McGirt versus Oklahoma decision and a new poll showing more Oklahomans don't agree with the governor that McGirt is the most pressing issue facing the state. The trio also discusses a new petition set to gather signatures allowing voters to decide whether to add recreational marijuana for adults in the Oklahoma constitution and Edmond voters overwhelmingly approved a sales tax increase to purchase land near Hafer Park. Support this podcast
On the latest episode of the ABA Banking Journal Podcast — sponsored by NICE Actimize Xceed — Citizens Bank of Edmond CEO Jill Castilla talks about the effects the Biden administration's controversial proposal for a financial account reporting regime would have on a bank like hers, with $310 million in assets and 55 employees. She talks about the challenge of implementing a system like this alongside current anti-money laundering reporting and 1099 filing at a community bank. Castilla also discusses why she started speaking out about the proposal, which would entail bank reporting to the IRS of gross annual inflows and outflows in financial accounts over a de minimis threshold of $600. Hearing directly from Citizens Bank customers worried about their financial privacy and about the elevated risk of audits over normal transactions motivated Castilla to press the issue. With House Speaker Nancy Pelosi indicating that congressional leaders still plan to include some version of this reporting regime in the social spending bill — which continues to be negotiated on Capitol Hill — ABA continues urging bankers to take action and educate their customers about the proposal. Take action and find customer resources at SecureAmericanOpportunity.com.
Matt welcomes Dr. Wes Hill to the program. What is going on in the Edmond, OK School District? More "sickouts" this time American Airlines and Amtrak. John Binder, Immigration Reporter from Breitbart News stops by to talk Plan C from the Democrats.
On today's podcast Adam and Tony discuss the Pacers signing of Brad Wanamaker, the impacts of the Edmond Sumner trade, and give some more thoughts on the team's first preseason game. Support Us By Supporting Our Sponsors! SweatBlock Get it today for 20% off at SweatBlock.com with promo code LockedOn, or at Amazon and CVS. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Mark is the Regional Publisher and Ad Director for the Norman Transcript, the oldest continuous business in Norman, the Norman Transcript. Founded in 1889, the newspaper has been awarded the Sequoyah Award for Best Newspaper in Oklahoma for three years running: 2017, 2018, 2019. In his role as publisher, Mark coordinates multiple newspaper operations in OKC metro and south central Oklahoma. These include: Duncan, Chickasha, Moore and Edmond. He is the publisher of two printing presses, one in Edmond and the other in Norman. REAL Garden is a team made up of Loveworks students who, with the guidance of our resident gardener, harvest, package, and sell produce from the Loveworks Garden at the Norman Farm Market. The garden is sponsored by Ecowood Solutions. Small seeds can become big dreams!
On today's episode Adam and Tony discuss the Pacers trade of Edmond Sumner to the Nets and the ups and downs from the team's first preseason game in New York Support Us By Supporting Our Sponsors! SweatBlock Get it today for 20% off at SweatBlock.com with promo code LockedOn, or at Amazon and CVS. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
It happened, I'm exhausted and chaos ensued. Yet, I loved almost every minute of it. The OG's were in the building - Harold, Bernard, Dante and Edmond. I'd be remiss in saying that our long overdue visit from Rufus aka THEE Big Truck Driver drove in just for us and to play catch up. Side note, watch out for “lot lizards and curb crawlers.” My advice would be to sneak on in and listen….you'll hear some stuff you didn't know :-) We'd love to hear from you! What are some of your thoughts on this episode? Make sure to like & subscribe to us on the following social media outlets and we're on most of your favorite podcast platforms! IG/FB/Twitter: Weekend Pearlz Clubhouse: WeekendPearlz YouTube Channel: Weekend Pearlz Email: firstname.lastname@example.org Website: www.weekendpearlz.com PS - Don't forget to check out the live video from this episode on our YouTube channel! #weekendpearlz #pearlzofwisdom #dallaspodcast #realpeoplerealtalk
Oscar-winner Edmond O'Brien headlines three old time radio mysteries, including a pair of audition recordings as investigative reporters. First, he's "the man with the action-packed expense account" in "The David Rocky Matter" (originally aired on CBS on January 20, 1951). Then, he plays reporter Hank Mitchell in the audition for Night Beat - recorded before Frank Lovejoy won the renamed role of Randy Stone (recorded May 19, 1949). Finally, O'Brien stars as a real Los Angeles reporter who helps to bring down a counterfeiting ring in the audition for The Fourth Estate (recorded June 26, 1946).
On today's podcast Adam and Tony discuss the ripple effects of Edmond Sumner tearing his achilles. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Dan Hays is the former head men's basketball coach for Oklahoma Christian University (OC) in Edmond, Oklahoma. He spent 33 seasons as head coach at OC and recorded more wins than any coach in school history. While 2016 was his last season as head coach at OC, he returned to the program in April of 2019 and currently serves as special assistant to the head coach. With more than 720 career wins, Dan has been inducted into the Oklahoma Sports Hall of Fame–the highest athletic recognition in the state. He is also the recipient of the National Association of Basketball Coaches' Guardians of The Game Award, which recognizes coaches who serve off the court as community leaders. In this episode, Dan reflects over his long career at OC, what sparked his passion for basketball, the importance of mentorship, and how his dedication to building relationships on and off the court has been instrumental to his success. This episode is now on Apple Podcasts, Google Play, Spotify, Stitcher, or wherever you listen to podcasts. You can also listen via the podcast player embedded above. Make sure to subscribe to “How That Happened” to receive our latest episodes, learn more about our guests, and collect resources on how to better run your business. For additional show notes, visit: blog.hogantaylor.com/how-that-happened/dan-hays. Copyright 2021 HoganTaylor LLP. All Rights Reserved. To view the HoganTaylor general terms & conditions, visit www.hogantaylor.com/terms-conditions.
Vous connaissez tous l'expression "donner sa langue au chat" qui signifie qu'on est incapable de donner la réponse à une question. C'est Edmond de Goncourt, inventeur de la célèbre académie qui parachève le passage du chien au chat. En 1860, dans son roman "Charles Demailly", pour la première fois, il écrit, en clin d'œil à George Sand, "donnez-vous votre langue au chat". Dans "Ah Ouais ?", Florian Gazan répond en une minute chrono à toutes les questions essentielles, existentielles, parfois complètement absurdes, qui vous traversent la tête. Un podcast RTL Originals.
After 9 years of friendship Charlotte and Edmond answer the never-ending question, "Can men and women be friends?". Enjoy this very informal episode of Twenty&Trying of Charlotte and Edmond reminiscing about high school and trying to figure out why it is they've been able to stay as close as they have during the better half of a decade. Love our show? Make sure to like, share, and subscribe. Make sure to follow Twenty and Trying on Instagram and visit our blog here.
Kelly is joined by Ty Gay the Owner/Professor at Redline Jiu-Jitsu Academy in Edmond, Oklahoma. Topics discussed involve the unsettling number of Jiu Jitsu academies across the United States who have allowed sexual predators to train and even teach of...
This week Michael and Anthony have some discussion about future things happening while relaxing and having a couple of beers. Since 1 Peter is finished, we're going to take a couple of weeks and talk to friends and just about life. We're gonna enjoy it and we hope you do too. Michael Reviews the Double Stuffed Cookies & Cream Stout from Wild Leap Brewing: https://www.wildleap.com/our-beers/double-stuffed-cookies-cream-stout/ Anthony reviews the Strawberry Shortcake from Edmond's Oast Brewing: https://edmundsoast.com/beers/
We are back for Season 4! Today, Wes sits down with leadership expert Jeremie Kubicek, Executive Chairman of GiANT Worldwide to talk about making a GiANT impact as a kingdom leader. Jeremie is most recently the best-selling author of The 100X Leader: How to Become Someone Worth Following. To see more of how Jeremie impacts the world around him, keep reading below. • Co-author with Steve Cockram of two books: “5 Gears: How to Be Present and Productive When There is Never Enough Time”; and “5 Voices: Discover Your Voice, Build Your Team and Change Your World” • Best-selling author of “Making Your Leadership Come Alive: 7 Actions to Increase Your Influence” • Co-founder of the GiANT companies (GiANT Worldwide, GiANT Partners, GiANT Capital and GiANT Impact) • Creator of the Leadercast global simulcast • Partner in several current start-up organizations • Former CEO over the national Catalyst conferences • Former CEO over the John Maxwell brand •Developer of The Prairie at Post, a, modern niche real estate development in Edmond, OK
This week, we talk to Edmond Chan, Senior Director, EMEA Therapeutic Area Lead, Haematology, Janssen, about the impact medical affairs can have on improving patient outcomes. He discusses the different approaches required to engage HCPs working in diabetes, immunology, and haematology, how to advance precision medicine, and steps that can be taken to improve the quality of life of those undergoing cancer treatment.
We're back with another Special Episode, this time talking about some of our favorite movies & shows with less than 50.000 IMDb-ratings - so basically we're counting down the Best "underrated" Things We've Seen! Lots of great things to choose from and to discover! On our lists we've excluded things we've already talked about on the Podcast & also some older classics that might have less than 50.000 ratings but don't really feel like hidden gems. Thanks for tuning in & we hope you enjoy the show and our recommendations! Let us know your favorite Hidden Gem! Timecodes: 0:00 - Hidden Gems Intro 1:08 - Introduction 8:15 - Edmond (2005) 12:32 - Birth (2004) 17:12 - Adam's Apples (Adams æbler) (2005) 19:51 - The Green Butchers (De grønne slagtere) (2003) 24:32 - The Guilty (Den skyldige) (2018) 28:53 - The Old Man & the Gun (2018) 34:02 - 20th Century Women (2016) 39:58 - The Hidden Face (La cara oculta) (2011) 44:43 - Che: Part One & Che: Part Two (2008) 49:04 - Murder in the First (1995) 54:02 - Steven Universe (2013 - 2020) 56:18 - Where the Truth Lies (2005) 1:00:49 - The Wind That Shakes the Barley (2006) 1:05:45 - Three Identical Strangers (2018) 1:09:10 - Jiro Dreams of Sushi (2011) 1:14:15 - Last Flag Flying (2017) 1:19:06 - Down By Law (1986) 1:23:06 - Rudderless (2014) 1:28:58 - Lucky (2017) 1:33:39 - Honorable Mentions _____________________________________________________________________ Apple Podcasts: https://podcasts.apple.com/us/podcast/best-thing-weve-seen/id1500489681?ign-mpt=uo%3D4 Spotify: https://open.spotify.com/show/5jocmR3kfsm1t8kdrE9LuF Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy8xMzc5ODQ5NC9wb2RjYXN0L3Jzcw== --- Send in a voice message: https://anchor.fm/bestthingpodcast/message
On todays Stand Up For The Truth podcast, we hear from several different guests recorded by David did at the Liberty Pastor's Conference, Edmond, OK July 25-27. First time guest, Pastor James Taylor kicks off the podcast discussing education and Critical Race Theory. Daily podcast, relevant articles on issues pertaining to Christians and more can be found on Stand Up For The Truth.
The new Friday Photowalk season starts complete with guest Edmond Terakopian, one of the UK's most respected photojournalists talking about photographic passion. Also this week, shoot without pressure, long exposures, to mask or not to mask on photographic commissions, showing the real you on social media and can you make a best selling photobook with just an iPhone? Inspirational guest appearances by Jason P. Howe and Tim Johnston. Supported by mpb.com and our patrons. See links and photos on the SHOW PAGE.
As more and more people get their DNA sequenced, through health care initiatives, biobanks and direct-to-consumer testing, an array of ethical questions arise. From how results are shared with research participants, to the ambiguities surrounding gene editing, Patrick and this week's guest, Dr Anna Lewis, Research Associate at the Edmond J. Safra Center for Ethics at Harvard, dive deep into the big questions surrounding genetics and medicine.
In this week's episode, we have the opportunity to hear from Ivor Edmonds, MHA of Sága. Ivor is a trauma-informed systems builder and master practitioner who has dedicated his career to addressing wellness and trauma healing in oppressed and marginalized populations. He has 20 years of experience working with gangs and troubled youth, homeless populations, victims of violent crime, survivors of trauma and rape, addicts, the mentally ill, and seniors. Ivor's definition of “wellness” involves trauma healing, racial justice, and respect for the harmonious dialogue of energies in nature. In this conversation, Ivor paints a picture of the current landscape of his work around social justice, racial justice, diversity, equity, and inclusion. We discuss: Collaborations - what can come from teaming up with others and surrounding ourselves with the right people? How we, as human beings, can look to nature as a reference for how to live better and ensure a harmonious relationship with the planet What Ivor sees as going well in terms of Diversity, Equity, and Inclusion (DEI) work, and where he sees opportunities for improvement Why now is the time to do this work as a business owner, and a human being What you can start doing right away to make a bigger positive impact in the lives of others both in your business and in your life More details about what we will cover in the "Cultivating an Equitable Environment" workshop series, as well as more about the organization to whom profits will be donated Learn more about Saga Healing and Ivor's work HERE Register for the upcoming workshop, "Cultivating an Equitable Environment: HERE Learn more and sign up to be a VIP (and get the workshop series with VIP and get the workshop series with Ivor at no additional cost HERE
This week we join Perrin to gather a small army to rescue the captured Edmond's fielders. We learn that Tam is Tam Traveling Poop and Verin and Loial are destined to be together. Apparently Ian is shipping them! Come listen and enjoy!!! Website: www.thewheelreads.com --- Support this podcast: https://anchor.fm/thewheelreads/support
You may have taught your child the foundations of personal finance but they're going to need to be familiar with bigger concepts such as debt, borrowing, mortgages and investing basics if they're going to get ahead financially. It may sound advanced but kids are hungry to understand how the world around them works. By teaching your child these key financial concepts you're giving them the head start in life they need. When children understand how the financial system works and how to use it to their advantage they're able to feel confident about money and the future. Are you looking for an online financial literacy course for your homeschool? MoneyTime will teach your child all the things you wish you had been taught about money. That's why I'm so excited to share today's interview with Neil Edmond, founder of MoneyTime, on this week's Homeschool Conversations podcast episode! A big thank you to MoneyTime for sponsoring this episode and post. Don't miss your chance to get 25% off annual memberships of this great resource in the MoneyTime Summer Sale. It is definitely worth checking out for homeschool families looking for a financial literacy course for their tweens and teens. Find the full transcript and show notes for today's episode here: https://humilityanddoxology.com/moneytime-financial-literacy-for-kids/ --- Send in a voice message: https://anchor.fm/humilityanddoxology/message
Ms. Jacqueline Edmond is one of my dearest sister-friends in the world. She was my Freshman Guide at CAU, and she is my Sorority Sister in Delta Sigma Theta Sorority, Inc. She shares her passion about education and being an entrepreneur as President of Edmond Educational Enterprises. Get ready to be inspired!!
Episode 36: The Edmond Post Office Shooting Sources: Sources: https://murderpedia.org/male.S/s/sherrill-patrick-henry.htm https://www.nydailynews.com/news/national/survivors-feel-affects-postal-shooting-30-years-article-1.2757080 https://www.nytimes.com/1986/08/21/us/mail-carrier-kills-14-in-post-office-then-himself.html https://www.onlyinyourstate.com/oklahoma/post-office-shooting-ok/ Thank you to our sponsor hellofresh https://hellofresh-ca.o5kg.net/c/2544961/791027/7893 Code: HFAFF80 Offer: $80 Discount ($50 - $20 - $10) Including Free Shipping on First Box! --- Send in a voice message: https://anchor.fm/truecrimeworks/message Support this podcast: https://anchor.fm/truecrimeworks/support
Experimenting with one story this week! It never stops at just being a peeping tom! Chase brings the story of creeper turned murderer Jonathan Scott Graham from Edmond, Oklahoma Send your stories to email@example.com Twitter/Instagram/Facebook: @uncannydispatch --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
I pulled an interview from the archives this week from when I interviewed Sohpie Edmond live on LinkedIn last year to discuss being empowered as a woman and how to empower women in your organization. Sophie is a women's leadership coach and trainer. She specializes in helping organizations to develop and retain their female talent. She has over 20 years of experience designing and delivering training and coaching programs for organizational leaders and now specializes in empowering women to courageously speak up and stand out. In this interview, we discuss: How to think about your career during challenging times Why women need to think about stepping into the spotlight How to not put yourself 'on mute' as a woman How to develop and retain female talent Connect with Andy Storch here: https://andystorch.com/ (https://andystorch.com/) https://www.linkedin.com/in/andystorch/ (https://www.linkedin.com/in/andystorch/) https://tdtt.us/ (https://tdtt.us/) Connect with Sophie Edmond: Website: https://sophieedmond.com/ (https://sophieedmond.com/) LinkedIn: https://www.linkedin.com/in/sophieedmond/ (https://www.linkedin.com/in/sophieedmond/) Twitter: https://twitter.com/sophieedmond (https://twitter.com/sophieedmond)
Hosts Tony East and Adam Friedman preview free agency for the Indiana Pacers. Which former players will stay? What can the Pacers do with their non-guaranteed contracts? Who else will the team sign? Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Jessica Rimmer, PhD, has worked in leadership development for over 15 years. As an executive leader, she has given oversight to strategic growth and culture initiatives that improve the engagement and energy of people within the workplace. Dr. Rimmer current serves as a Senior Consultant at GiANT Worldwide, a global content and leadership development company. Prior to GiANT, Dr. Rimmer served as the Vice President for Student Engagement and Success/Corporate Trainer for Mid-America Christian University for a decade. Her work includes w building leadership academy that helped define and distinguish the culture of that organization, helping to drive growth and outcomes. Both her experience and education bolster her ability to help companies analyze their needs and craft unique solutions to address business challenges. Jessica received her Bachelor's degree from Oklahoma Baptist University from the College of Fine Arts. She went on to earn her Master's in Adult and Higher Education from the University of Oklahoma She also has an earned doctorate in Higher Education Leadership from OU. As a researcher and practitioner, she has studied how leadership influences student retention and engagement. Jessica has served as a speaker on topics such as strategic growth, cultural diversity, transformational leadership and personal success. She is passionate about helping people live with purpose and influence. Jessica lives in Edmond with her husband Terry and their three children Myles (7), Maris (4), and Marg Connect With Jessica Instagram: @jlrimmer
Today, David Fiorazo reports on the Liberty Pastors boot camp he attended this week in Edmond, Oklahoma; he also addresses big tech censorship and the lie that Christians should avoid "political" issues, and progressive propaganda permeating in our culture. Daily podcast, relevant articles on issues pertaining to Christians and more can be found on Stand Up For The Truth.
A friend, colleague, and overall good guy in my life -- Ryan Drake (DJ, OKC comedy scene, renaissance man of entertainment) -- stops by for a mega-packed episode where we go over the following:The wisdom in cliches, early adoption of social media and diving in on networking, how hard it is to tell who will stay in your life vs. those that move on, connecting thoughts to action when it comes to creative and professional ambition, the importance of being vulnerable and open minded to receiving help, how to cultivate friendships in adulthood, outgrowing relationships and how vital reciprocity is, overextending yourself socially, the value of disagreement, how exciting it is to catch a “star” early in their career, self-deprecation in humor, the role of intelligence with humor, the highs and lows of being in an entertainment scene, how improv comedy can be empowering, working through depression and life transitions, imposter syndrome, weight loss, positive self-worth, the impact of sleep, comparing yourself to peers, the insatiable nature of progress, counterfactual thinking, mindfulness, people who are naturally charismatic, early podcasting days, friends growing into good parents, and some quick recommendations.TIME CODES15:45 An introduction to Ryan's impact on me 41:00 #1 Donald Glover50:30 #2 Mark Hoppus59:00 #3 Tina Fey1:06:00 Origins of being a comedian1:27:35 Transitioning into DJing and hosting events1:43:25 #4 Allie Fleischfresser (friend)2:17:50 #5 Allan PellegrinPlease subscribe, rate, and share this podcast with anyone who may find it interesting. Keep up with the show and engage with us on Instagram -- @GFTDMEDiA
What is God inviting you to? How is he interrupting you? Watch this week's message from Crossings Edmond Students Pastor, Alex Buchner. Crossings Community Church crossings.church Pastor Alex Buchner July 25, 2021
On this episode I chatted with Sports Anchor Carson Cunningham. Born and raised in Oklahoma, KOCO 5 sports reporter and anchor Carson Cunningham is proud to cover some of the best teams in the nation right here in his home state. Cunningham grew up in Edmond, OK, and earned his bachelor's degree in broadcast journalism with a minor in sports media at Oklahoma State University. He got his start in journalism at OSU working for the student newspaper, The Daily O'Collegian, as a beat writer and worked his way up to sports editor. After graduation, Cunningham first worked producing video reports covering OSU athletics for Palestra.net. He was then hired by KFOR-TV in Oklahoma City as Sports Reporter/Photographer and also worked at KWTV in Oklahoma City as a Sports Reporter/Anchor, before joining KOCO 5. Cunningham loves to chat about sports as much as cover them. You can hear his latest thoughts on everything in the sports world on his "Goin' HAM" podcast," which you can find on KOCO.com. He's also active on twitter, follow him at www.twitter.com/KOCOCarson Huge shout out to our sponsors for their contained support. The Oklahoma Hall of Fame. Telling Oklahoma's story through its people since 1927. For more information go to www.oklahomahof.com and www.instagram.com/oklahomahof RCB Bank. Get rates as low as 1.79% APR on new, used and refinanced cars, boats, campers and ATVs. Visit www.RCBbank.com or come into any of our 40 locations across Oklahoma to learn more. Until August 31st. Rate and financing with approved credit. Restrictions Apply. #thisisoklahoma
Anthony tells an intriguing tale of procuring this weeks beer and Michael drinks breakfast? Listen to this weeks episode as 2 new beers are reviewed and the discussion continues in 1 Peter 3. Back Forty can be found here: https://www.backfortybeer.com/ Edmond's Oast Brewing can be found here: https://edmundsoast.com/brewing-co/
On this episode I chatted with Brink Models agency owner and Preconstruction Director at Smith & Pickel Construction, Heather Rouba. Heather has a fantastic story, growing up in Mustang and getting her height from her father who played basketball at OSU. Heather was scouting early to be a model and spent her teens modeling around the country. Before going to college Heather became a missionary for the Mormon Church and spent a 1.5 years. Returning to Oklahoma Heather studied at UCO here in Edmond studying Interior Design with a minor in Art History. There's so much more to the story that you will hear in this episode. Notables: winning Mrs Oklahoma, Opening a Modeling Agency and now working in Construction. For more information go to www.smithandpickel.com www.brinkmodels.com https://www.instagram.com/hrouba/ Huge shout out to our sponsors for their contained support. The Oklahoma Hall of Fame. Telling Oklahoma's story through its people since 1927. For more information go to www.oklahomahof.com and www.instagram.com/oklahomahof RCB Bank. Get rates as low as 1.79% APR on new, used and refinanced cars, boats, campers and ATVs. Visit www.RCBbank.com or come into any of our 40 locations across Oklahoma to learn more. Until August 31st. Rate and financing with approved credit. Restrictions Apply. #thisisoklahoma
In today's episode we chat over Zoom with Nate Jensen from the Huntsman School of Business, as well as A-Team members Ellie and Kara about what it means to be a transfer student here at USU. We get to dive into what transferring to USU looks like, advice for incoming transfer students, and ways you can get involved at USU. New Student Orientation: https://www.usu.edu/orientation/locations/logan Orientation Office Contact Information: 435-797-0283; firstname.lastname@example.org; Instagram @usuateam USU 1010 Connections Course: https://www.usu.edu/connections/logan/register Transfer Student Club Sign-up: https://www.usu.edu/involvement/clubs/transferstudentclub Transfer Student Instagram: @usutransferclub Guests Nate Jensen – Career Coach, USU Huntsman School of Business Ellie Roberts – Double major Marketing and International Business; Junior; Edmond, OK Kara Pastorik – Double major Dietetics and Kinesiology, minor in Chemistry and Hunger Studies; Senior: Bountiful, UT
Chris Naghibi, the Chief Credit Officer of First Foundation Bank joins us to talk about what investors can do to build a solid investor profile and get the best terms on their loans. --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The remote real estate investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals. Michael: Hey, everybody, welcome to another episode of the real estate investor. I'm Michael Albaum, and today I'm joined by my co host, Tom Schneider, as well as a very special guest, Chris Naghibi, who is the chief credit officer for First Foundation Bank. And Chris is gonna be talking to us today about lending overall, and what we as real estate investors need to be aware of. So let's get into it. Awesome, Chris, welcome to the show. Thank you so much for taking the time to come and hang out with Tom and I really appreciate you. Chris: Oh, thank you guys. Appreciate you guys having me on. Michael: Yeah, absolutely. So for all of our listeners out there would love to know and have you share a little bit about your background and how you got into the real estate space and kind of what you're doing today. Chris: You know, backgrounds kind of kind of schizophrenic, I look at my own resume. Sometimes I wonder like how this path has taken me where I'm at. I'm an attorney by trade. We started a bank in October 2007. And somewhere along the way I feel I felt like I fell in love with real estate. I've done it since I was a kid. My father, when I was 14, he handed me a cold call list and told me to call everybody and told me that for everybody, I got to give him an application to give me 500 bucks. Well, the first day I made 1000, and he refused to pay me. But I never stopped falling in love with real estate and kind of the concept of the fact that we all have to know about it. And then I eventually, you know, branched out started a law firm, started my own real estate company, and I still work at the bank. We're publicly traded. And you know, it's just it's been a wild ride. But you know, it's my crazy, crazy background. Tom: What are some unexpected things in starting a bank? Like I love that, Yeah, we started a bank like what is what are your, I guess, three takeaways that you were unexpected assumptions? Or? I don't know, you can take them any direction. So three bullet points. Chris: There's a lot of assumptions. Yeah. Well, let me tell you three bullet points about starting a bank. It's hard. It's a lot harder than you think. I think people think regulators like Oh, the SEC, you know, or, or, you know, oh, it's have some little bit of oversight regulators are very strict. When you start a bank, you have to write a business plan out for three years in advance. And then you have to stick to that business plan for three years, except we started a bank in October 2007, Michael: Great time to get into banking. Chris: Probably not the best written business plan given the market, we rolled with it nonetheless. The second thing is, is relationships are so vital. You can grow a bank and you can do such a huge thing. But relationships so that choose from a currency, right? Well, if you're starting a bank, and you're trying to build something from the ground up, like any business, a bank is no different. Who you know, and how much they believe in, you really matters. And the third thing, businesses scale differently. And banks definitely scale in a very unique way. It's a slow, you know, grind over time. But money builds money and interest rates are such an pure form of building passive income. And banks make such a huge amount of money from it, but it takes years to get there. So our original idea I will sell in five to seven years. Well, that didn't go very well did it? And it's been a you know, 14-15 years now. So but it's a long game. Mochael: Interesting. Yeah. Do you think, Chris that you got into becoming an attorney because your father, you know, breach of contract? You're like, I gotta you know, I never wanna let this happen again, Chris: Yeah, dirty real estate brokers. No, my dad. My dad actually went to law school with me. How's that? How weird of a story is that? My dad I'm really six foot five. My dad's five five fat little dude looks like Danny DeVito. I love them to death. But you know, he would look at him and go wait a minute that yeah, that's so anyway. We went to law school together. It was a kind of a later on in life venture for him. And he was his way to motivate me because I just wanted to be in real estate. I you know, I was working. I didn't want to do this. And he's like, well, if I can do it, you can do it too. And that was a terrible idea. Because everywhere you go, you're now like the cute little, you know, idiot standing next to him while he's in law school and like, look at you. You're sad. He's so cute. And well. He did it together. He actually works in my law firm to this day, but he's been a huge motivator for me to try to get more understanding of the business. I think when I was a kid, when I was working my dad The one thing that I really wanted I took the took home from that that relationship was his that he didn't know the entire business. He knew the single family side and didn't know you know, business lending or commercial real estate or multifamily real estate kind of my passion. And I wanted to know so much more and the more I started to research and get into it, the more he did too. And now we kind of geek out together on some of the stuff which is also weird, but that's what we do. Michael: Did you ever see that movie twins with Arnold Schwarzenegger and Danny DeVito Chris Yeah, that's like my dad except Well, I'm that's what it is. I'm not buff or good looking. But if that were the case,Yeah. Michael: That's great. That's great. So I would love to kind of take the conversation and focus a little bit into lending, because I think it's an area that a lot of real estate investors, there's just a lot of clouds, I think surrounding and people go talk to different folks and get different answers. And so it's tough to really nail down. So from your experience, who is the best candidate to receive lending? If I'm going to really I want to be a real estate investor, I'm just getting started, how do I set myself up to go get a really great mortgage. Chris: So I mean, you're talking just for your just for your home or for like an investment property, because there's a very different investor profile. Michael: For as a pure investment. Chris: And I want to make sure we delineate that because I think there's a lot of confusion as it relates to buying a home for yourself to live in and buying a home, that's going to be an investment property for someone else to be in. I actually went down this path. So when I first started buying investment, real estate, I was buying single family residential real estate, because I couldn't afford that, you know, bigger stuff. And I tried to figure out that profile too, because I wanted to be that guy, I wanted to be the profile. And now the chief credit Officer of a bank, I kind of defined the box, there's a couple nuances that I think people are confused about is they think that when they buy an investment property, that that property's cash flow is going to benefit them, and it's gonna make their application a lot more attractive to banks. Well, it doesn't work that way. It's based on your historical income, it's based on you know, what you've done? And can you do you have an ability to repay this mortgage, do you have the ability to pay it as a second property under your current cash flow. So the first thing I would tell you, if you're, if you're looking to get into real estate, and you think there's gonna be exponential growth, it's gonna take your time, just like the making business, when we first talked about that, you have to have a good stable source of income, verifiable income. And if you don't, there are some alternatives for like, you know, hard money lending, there's other alternatives there. But if you want to take out financing, and whether you want to go interest only in a three to five year product, or you want to go on a 30 year fixed product, whatever your investment, you know, methodology is, you have to plan on being able to pay for the mortgage that you're getting. Another question that I commonly see a lot is, you know, how much do I have to put down? And that varies so much based on risk profile, right? Like how much you need to put down based on risk profile of your own choosing? How much do you want to have in the property? How much can you afford? But also, where's that property located? And what are the rents like, you want to make sure cash flows. So I'll tell you, if you want to buy investment, real estate, and you want to be the ideal candidate, you need to have cash flow, and you'd have an understanding of the market. Because your understanding of the market is going to be clearly shown in your application. Because if you're going to buy a property that makes financial sense, it's going to make financial sense for the banks for lenders, because the lender and the bank are always going to look at a worst case event scenario of default. If you default on this property, can we turn it around and sell it and not lose money, and more equity you have in the property, the more attractive it is, the more experience you have, that actually matters to a bank, you know, stuff like that. Tom: You know, in buying several rental properties myself and using different lenders, I found that the like the qualifying income has been inconsistent, where some banks haven't accepted the rent that was, you know, collected and some have, and some would count my other rentals that are, you know, have been leased out for a long time, and some wouldn't, I mean, is there like a lot of leeway in like underwriting process? Or is that something that's standardized at a federal level? Chris: Alright, so we're gonna get into some cheat codes. This is my favorite one. Got it? Good. So, this is a guy. Yeah, who started the bank, right? You got to find the portfolio lender, right? You need to understand a basic concept as a real estate investor as it pertains to single family homes. There are agency lenders, and there are non agency lenders, the agency lenders are particularly people who conform to Fannie Mae agency guidance, that's a very rigid box, right? It's like when you go to a big box, Bank of Bank of America, Wells, Chase, you know, whoever you're going to, they have a very tight window of what fits in their niche. And if you don't fit that, they're just gonna say no, and unless you're a private wealth management client, they're not gonna give you an opportunity to apply. And the answer is just no. What I always tell people is one of the most undervalued assets for real estate investor is a community or regional or super regional bank, where somebody knows your name, and I'm not quoting cheers, it's just true. The bankers know you. Right. And the other aspect of a community or, you know, regional bank, or you know, whoever they might be, is if they are not selling into the secondary market, and usually that's a way larger banks manage their liquidity. Alright, sell some assets off, get some more liquidity, make some more loans, so it works out well for them. But for a smaller bank, you want to grow your assets in size, increase your interest producing assets. So how do you do that? You make more loans, you hold them in portfolio, but they know they can't compete with the wells that chase the B of A. So their guidance, their credit policy, their their broad document, which outlines what they can and can't do is generally not based on agency guidelines, and there are a lot more flexible, they're able to make some of those discretionary decisions. Like you know what, Tom and Michael are good guys are investing in this. We believe this is a first one they might be short here on pi but we can make a policy exception to it and your personal relationship with matters, right? It goes right back to that first payment that we made relationships that she was former currency and we all have a relationship with a bank, you're just who have you chosen to have your relationship with? Michael: That makes total sense. So how would somebody if I'm a borrower and a buyer, I want to go buy investment property? How would I know whether the bank is conforming or non conforming? Chris: You can ask I mean, it's not, it's not a confidential thing. What I would typically tell people is that the more you get into real estate, and the more you start looking around, the more you start figuring out the relationships that are more personal. And as a result of that, you'll know who's really not an agency lender, because I'll tell you the dead giveaway, if you have to call into a one 800 number, and it's a call center, that's an agency bank, they're going to go traditional Fannie conforming guidance, if you're talking to an individual in a bank, and they're actually helping you out and telling you what's going on, that's usually somebody who's a local regional bank. But that's a very easy thing you can ask them, they'll tell you straight up, whether they keep it in the portfolio or not, there's nothing wrong with telling you that and disclosing that. You know, in Southern California, I could probably name all of them in my area, just because I've got loans with all of them now myself, and I compete with them in the banking space. And as you become a more and more seasoned real estate investor, you need to know that, in particular reason why let's say you even even if you conform to agency guidelines, and let's say you have all the cash flow, you have all the net worth about six months of pi ti, and let's say you're able to put down more money, because these are non owner occupied investment properties. And let's say you're okay, putting it in your individual name, because agency lenders will require that or trust, you still have to have, you still get a limit, Fannie Mae has a limit of 10 properties are typically going to lend to you and after that, you really can't go traditional agency anymore, because you're considered to be too risky of an investment for the secondary market. So you're gonna get, if you succeed at this, you're gonna have to know those community regional banks, because they're the only ones are gonna lend you at a certain point. And that's where a lot of these online gurus and people that are telling you, it's telling you these plans for 100 bucks, and they do all these things, these strategies are great. They kind of leave out that detail of there's there's a cap there unless you figure out the market. Tom: One more question in talking about community banks, credit unions, this may be a dumb question, but difference. I mean, I don't know that I'm looking to go get alone, like talking to a credit union versus bank. Are they like, sometimes like the same? Or? I don't know, if you could just kind of spiel on that. I think it's one of the things that people hear a lot, but don't necessarily understand the difference., Chris: Yeah, well, I mean, they're different different types of institutions, right, and we look at them and we walk drive, we walk by them, we drive by them, and we don't really think much, we think bank, they hold money, I give them money, they lend out money, it's the bank, or credit union has a lot more of that relationship based feel that that's kind of why they are credit unions in the first place is they have to have a Nexus to you in the form of relation. And the reason why that Nexus that relationship is so critical and vital to to to what they do is because everybody who comes in there has this connection. And because they have this connection, you're talking with individuals, you're not calling one 800 numbers, typically, unless you're doing with a very large credit union, there's a very few of those in the United States, they do have that flexibility, they do have different lending standards, they do have different lending guidelines, and you can usually have those conversations. One of the biggest benefits, I tell people from credit unions you get though, as you get better interest rates, you typically get better interest rates, from the credit unions, you typically get a little bit more credit flexibility and a little bit more insight into what's going on. And you also have that relationship base level that you would get at a community bank, I would say that in if you're a real estate investor, and you want to go into something like an LLC, as your as your name on title, and you want to hold it there for passive income purposes, for tax purposes, you probably can't do that at at your local, you know, credit union, but you can do that at a at a portfolio based bank, depending on their risk profile their tolerances. And in states like California, where there's a single action rule, basically like that, because they know that in a worst case, scenario default, they can take the property back from you. They're not to go to court, they file a deficiency judgment, take the property back. Tom: Make sense. As a remote investor, How, how would that change the calculus in evaluating, you know, the we're looking for local relationships or credit unions? And am I in my shopping more in my local? Let's say I'm in California? Am I am I talking to my local credit union to go buy properties in St. Louis, or something? Or am I talking to local credit unions or community banks in St. Louis, I'd love to hear your insight on that on on local lending versus kind of… Chris: It's gonna be a lot of repetitive, repetitive thoughts, you're kind of running through it. And I'll tell you, I have to do this too. So a lot of my real estate portfolio is in Oklahoma in Texas. I live in Southern California. So it's easy for me to get out there and get loans. If I wanted to go through Bank of America, which I believe I have on one loan, I can do that easily. Yeah, I can go to them, but I have to fit that box. And I'm at a pipe apart now a plus size now that that portfolio size is not going to resonate well with them. Banks typically looked at as saying this person carries way more mortgages, and which brings down my credit score a little bit because I've gotten, you know, all this outstanding debt. But at the same time, they look at me as an increased risk because people who have more properties just have inherently more risk associated with them. So it winds up being this long conversation. So I've been forced to understand that market and get to know that market and the one thing I can tell you is if you want to be remote real estate investor, and you want to be completely hands off, you really have to trust your team, you have to trust your financing people in the market, you have to trust your property manager in the market, you have to trust the people that are there. And if you don't trust them implicitly, you know, you're far enough away to where you won't see what's happening. So I always tell people to go to the go to the area, you have to get to know their market, you have to get to know the bankers, yes, get another community. So I typically go to markets that are new that I want to invest in, and I'm I'm a real estate agent, I'm a real real estate broker and I want to chop it up, I want to talk to the real estate agents and brokers that are in the area, I want to get their feel, it would be a very foolish errand to walk into a community. Let's say like in Oklahoma, I own a lot of real estate in a suburb called Edmond, which is in North Western suburb, Oklahoma city, I would be foolish to walk into that market, and acted like I knew what was going on. Like I knew who was moving in who was moving out what the flavor of certain neighborhoods was, as far as rent appetite goes, I couldn't, I couldn't do that. So I have to rely on local talent. But in having those conversations, one of the things I always ask, who's your go to bank and why. And you start hearing the same names over and over again, in the market of who the players are that understand the real estate investor and understand what's going on and who, who's really trying to scale portfolios. And you go talk to them, you sit down, I did that literally the last time I was out there, I sat down with a bank, a smaller community bank, I think they were about 100, maybe $200 million in size, not a massive bank and said, Look, I want to talk to you guys about my relationship, and they gave me two offers right out right off, you know, the right off the bat, hey, we can look at a commercial line of credit for a million dollars where you could, you know, use this to buy real estate, and then we can refinance it off, or we can look at financing and your single family real estate as you go through, we're gonna want 5% more down. And that conversations evolved over time, I've gotten to know them a lot better. And now I know that anything in Oklahoma I want to go to I go to them, they're gonna take care of it for me, and they already have my financials, they already have my information, I'll usually give them an updated tax return, if the time has come, I don't have to resubmit an entirely new application, I sign an application I update what financial they already have. You go to a big box bank, you're filling out all that information all over again. Michael: Yeah, it's, it's such a stark difference as someone also who has portfolio loans and standard loans. I mean, I give this anecdote all the time, when, when talking about portfolio loans. I literally called up my banker on a portfolio loan that I have. And I said, hey, look, the interest rates have dropped. I'm at four and a half, what can you do? He goes, yep, no problem. Let's do a loan modification drop you to three and a quarter. How's that sound? I was like, great. And yeah, you try that with a bank of america or wells? I mean, go through a whole refinance process, pay the points, do the song, do the dance. I mean, it is just such a different experience with a portfolio lender, and one that I'm a huge fan of. Chris: Yeah, we see that relationship, you could make that call, you could literally call somebody you have a point person, you could call, you can ask the question. And it's simple, how easy it was to get the answer that you needed, because you have that relationship based business. And that's how that's how all businesses should scale. But once you get to a certain point, you can't reach all people. And honestly, if you want to feel like a concierge level service, that's the kind of lender you got to be with. Michael: Yeah, yeah. So in Chris, in talking about this, I mean, I know that portfolio loans are amazing. community banks are really great relationship partners. What's the difference? I mean, we talked about the relationship side, we talked about kind of the structuring of the loan itself. Why would why wouldn't everybody go to a community bank as opposed to their their big banks and down the street? Chris: We start with this a lot. I mean, obviously growing a bank getting the answer that question is vital to us growing and scaling, right? And I'll tell you that there's the perception, particularly after the Great Recession, where everybody said, you know, hey, these banks could fail, I can lose all my money. Let's put that to bed right now, every bank has FDIC insurance and FDIC insurance and watering this down is good for about $250,000 per account, you have more than more money in that account. There's no guarantees on that on the insurance. And people are always worried about runs on money could this bank fail. Banks are very highly regulated, whether that's the you know, the Federal Reserve, the FDIC, the DEA, FBI in California, wherever your regulators are, they're very heavily regulated their capital requirements, there's all sorts of significant things that banks have to go through in order to make sure that they can last. So once you dispel with with the idea that banks are gonna go under, or they could go under, they're perceived as riskier. You have to deal with with the value proposition of these brands. Wells Fargo Chase, be vague, they are the Coca Cola of the industry. You walk into a restaurant, you say give me a coke. People think banking, they I'm gonna go to Wells Fargo, I'm gonna go to Chase they do it because these places have brick and mortar locations on every single corner. And these brick and mortar locations are highly visible. Do you see them when you drive through in your neighborhood your friends go there you see people coming in and out. They're right next to a restaurant, it's easy to be intoxicated and fall in love with with that location and proximity and think that you got yourself a better situation but in reality, other than the fact that you can walk into a bank, you're generally not going to get better service as a matter of fact, the smaller community regional presences usually have a direct number like the contact you share your experience, right? usually have people who you know if you want to talk to someone like me, the chief credit officer Just give me a call. I share my mobile number with everybody and I've had a number of people call and complain that They didn't get the loan they wanted. But nonetheless, it's but i'm open, you know, and we're, you know, we're not a small institution anymore, we're about 7 billion in size, maybe a little bigger. And, you know, you can still reach out and talk to me, you can ask me what happened, and I'll explain it to you, you're not going to get that with the wells, the chase in vivo, people feel like that brand, that brand name, that value proposition in them being big, makes them safer, or gives them a better product. And I can tell you that it really doesn't usually get a lot better product, because the product is designed and fits your needs. And you have the ability to reach out connect to people that at a smaller community regional bank and the world's digital now, we talk a lot about cryptocurrency, well, the US dollar is effectively digital people move it around all the time. And I can tell you that at a bank that's online heavily and not so much brick and mortar, they're not paying those massive leases, they can afford to give you better rates. Michael: Yeah, so I mean, that's that's segues really nicely into my next question, I was gonna say, Well, if you're getting a better service, it must be more expensive, right? If I'm going to go get a portfolio loan, I'm probably gonna be paying a lot higher interest rate than I would at a Wells or a Chase, right? Chris: Yeah. So when you're, when you're selling them a secondary market, like Wall Street would be evey. And you're pricing your portfolio, you're pricing the portfolio with how much can I sell this for in the secondary market, I'm going to package it together in a pool of loans, I'm going to sell it off in a security. And that's security's got to have a yield to the investors. And that yield has to be in line with market, otherwise, they get paid a discount, or they have to pay a discount for the person to buy from them. Or if the rates really good, they get paid a premium for them, you know, for the Wall Street to buy this, you know, pool of securitized assets from them. So they're always thinking with that in mind, where a portfolio lender is thinking about the weighted average coupon of their portfolio and how they can get the best return for their investors. And if they're publicly traded for the shareholders. So believe it or not, that's a lot easier decision. When you're looking at putting something in a portfolio, you're thinking about a relationship, right? If our biggest challenge is not pricing business, it's getting business, I'm gonna price the business as good as possible to get your business to win your relationship. Because I want you as a real estate investor to come back and do another one with me. And I know it's gonna be difficult for you to go to a, you know, a regular bank and a regular size, you know, Wells Fargo B of A chase these big names, I know, it's gonna be difficult for you to do that. So I'm going to try to do my best to win your relationship on price, because that's the one thing I really can compete on that and obviously, the exception side. So you're actually going to pay market if not a little bit less than market with some of these banks. Michael: Interesting. So as someone kind of getting back to who is the ideal candidate who's for lending? How can somebody start to form that relationship with a local portfolio lender with a community bank? I mean, I'm a guy, I'm just getting started, I might not have any deals under my belt. I walk in there. I mean, has anybody give me interested in even talking to me? How does that work? Chris: Yeah. Yeah, that's, that's a strange question I get all the time. So I spent a lot of time traveling around talking to kids about financial literacy. And I get this question all the time. Like You I don't have any relationships? I don't know anybody. And I'm like, you got a checking account? Right? Yeah. Can you have a relationship with a bank? Now, if they don't value your relationship? And you don't know anybody there? You should probably move that relationship. And they're like, Oh, well, how hard is that? It's funny, we don't really set up bank accounts, unless you're a real estate investor or business owner. And even if you are a business owner, you're not setting up bank accounts, like every day. So you're like, Oh, my God, do I just take the money out? Or just close it? Does that affect my credit? No, it doesn't affect your credit, you take the money out, and you just go open up another one after you close your account with your local bank, and then you start building that relationship. But very few people actually ask me that question on a daily basis when they're just getting started. And I wish they would. The easiest way for someone to get started with a bank is to find a bank that does what you want to do or specializes in it. There are banks that specialize in small businesses, there's banks that specialize in real estate, find the bank that fits the profile investor you want to be, and then ask them, Hey, what are your internal guidelines? What do I need, I want to buy this property, I want to buy a property that looks like this. And those bankers will tell you, because they want to win your business. They want to nurture that relationship. So what I can tell you right now, if you're a first time real estate investor, and you want to get out there and you've got a primary residence, make sure you have an excess to cash flow, pay down your debts, do the simple, logical things. Don't look to the crazy stuff. I hear this all the time. The weird advice, don't borrow from your 401k or your retirement Don't, don't borrow money on credit cards, be smart, be reasonable, be prudent. It's short term pain for long term success. Michael: Love it. You know, in talking about banks that specialize I'd love to know when you started the bank, like what problem you're solving or what, you know, what sort of, I guess opportunity that you saw, kind of on the other side and starting the bank? Chris: Well from the lending side, so I serve as the chief credit officer and my main function is to design a credit program which would enable us to grow and scale at an accelerated rate while being prudent in sound in our investment decisions. And we refer to loans as investments in such a way that that we could accommodate a very robust business in the state and our local proximity for us. I happen to be multifamily real estate. We got the second largest multifamily Real Estate lender in the state of California and we're branching out pretty, pretty significant. We just grew to Dallas, we're looking at a couple different avenues in different states. And we're already in Hawaii in Las Vegas. And we've been able to grow and scale that business by making loans to real estate investors specifically, to overcome the same objections, we've been talking about the same problems that they first time real estate investor challenges that are there, those same problems, the same problems that 100 unit apartment owner has, you know, they want a relationship based business, they want to be able to deal with as little hurdles as possible. And they want to get to the brain trauma of a real estate transaction without feeling like somebody just you know, gave them a colorectal exam. And sometimes, sometimes getting alone can feel that way. Yeah, I had a kid you not on my own personal primary residence, I went through a lender whose name shall not be mentioned. And it took them five months to go through my entire portfolio of real estate and come back. And they asked me for more information, five months, this process back and forth, I literally hated that phone number, when it popped up towards the end, like I didn't want to talk to this person, I was ready to pay whatever rate possible to not deal with him. But so that was a problem we were trying to solve is you have to, we don't sacrifice, credit quality for price, but what I will give you is one of the best experiences in lending realm that you could possibly ask for, you know, we're gonna give you that concierge level service, we're gonna give you the value proposition that you as a seasoned real estate investor deserves. And we're going to build our brand of the fact that you get a great product, you great service. And you know how to get a hold of me? Sadly, yeah, but yeah. Michael: It's so funny, you mentioned that I talked to folks all the time about, look, it's important to get a great product at a great rate. But if you literally want to bang your head against the wall, every time you have to call this person, it might be worth paying a little bit more just to have just to get the deal done or to get the service. I mean, so it's so prudent and so timing that you're mentioning this? Chris: Well, yeah, and I'll say that, you know, that real estate hasn't changed much in the last 50 100 years, like we still use this archaic methodology. And it Look, I'm a real estate agent and a broker as well, I do that on the side from a friends and family. And you know, I really love the business. It's its passion project. But what I do is really outdated, why I would get paid two and a half percent, or somebody else would get paid two and a half percent. I understand this industry norm, but by today's technology standards, there's got to be a better, more efficient way in lending is way worse. When the way we do things, you think about all the things that we're giving somebody, this is all digital, your tax return your financial statements, you should be able to just log in and plat and send them over. And everybody has that they have within a couple of clicks. But it doesn't work that way. And the underwriting process is still not, you know, it's not electronic. It's not AI, it's an individual looking at these things, asking questions, and things get missed. It's a very, very painful process. It's shocking to me to this day that it hasn't changed so much in the last 50 years. I hope that it has changed coming that'll make our lives easier on the real estate side. And maybe the blockchain is the solution. We can buy and sell real estate quickly. But it's painful. And there's you can grow a business to billions of dollars in size. If you can just give exceptional customer service and be weary of people's frustrations like your own. How crazy is that? Michael: Yeah. mind boggling. I know. Tom: I'm thinking of some other questions. It's just keep popping up. So you know, as the chief credit officer for the past 14 years, has, how much movement is is there in the underwriting? I don't know criteria or things that you think about. I mean, we've had such a wild run over the past, I don't know, you know, 10 to 12 years, and then there was the depot, like, I'd love to hear how it's how it has evolved and the underwriting either criteria or let you go ahead and just riff on that Chris: You didn't No one's ever asked me that question before. So kudos to you, I will tell you that it has evolved a lot. particularly around the 2007-2010 range, people were freaking out because of the great recession. They're like, Oh my god, what's going to happen? And it's actually comes right up to just a, you know, lettuce last year and what happened with the pandemic? So, in normal response, okay, banks look at investment, real estate from a cash flow perspective, if you're a one to four, you're still a single family, they're still looking at your cash flow, as opposed to the property's cash flow, cash flow. And the only way to really look at your portfolio cash flow is look at what was on your historic tax returns. But when you get into some of the bigger properties, and you start looking at, you know, five plus units, they start looking at the cash for the property First, the equity the property second, and then you as a sponsor guarantor, if it's a full recourse loan as a tertiary source of repayment. So the policy that we have set forth in the credit policies is very broad overbroad document in all banks have a credit policy, but really what what gets tweaked the dial the dials that get tweaked are things like your policy and procedure underneath that your guidance, the suggestions for daily activity and if you're an underwriter and you're working on something, what do you look at? So believe it or not the de minimis dollar amounts and like things like debt service coverage ratio, the cash flow on the property for every dollar in cash flow, you know, your expense, that ratio, that hasn't changed a whole lot and the credit policy, it's always been a certain de minimis number for like multifamily. Let's say wonderful. On average for a little bit in 2007, you saw lenders go up to 125. They wanted to build in a little more cash flow reserve. But really what's changed has been kind of the the rate that we use to qualify you on the multifamily side. And on the single family side, it's been the optics and things like investment properties. And the reason why those things have changed. They figured out that when things get bad, like in a pandemic, is an investment property more risk. Probably. If you have a higher qualifying rate on a loan, that means you actually have more cash flow in reality coming into your pocket, you're probably going to have you're probably going to bear through the financial wherewithal of a storm and the perfect storm was the recent one. In the multifamily world a pandemic happened right, then you have eviction moratoriums, and people like oh my god, am I not going to collect rents? And Moody's and costar and reason everybody came out and they said, Okay, well, you know, what rent collections on the first of the month have gone down to about 70 80%. And people freaking out in banks had a knee jerk response, they wanted to see things like more documentation of tenants being there are they paying so now they're asking for updated bank statements, they want to make sure that you're you're accurate, tenants are actually paying they're not, you know, somebody who's taking advantage of the eviction moratorium. That became an additional level of scrutiny, that was not really a policy based thing. But that was just how it operated. But believe it or not do the rest of the month, when you start looking at rent collection through the month, not as opposed to just when it's due on the first you're still above 90%. So a lot of this knee jerk reaction that banks were taking sounded like a real conservative methodology sounded smart sounded great. But in practice, people were still getting paid and eviction, which moratoriums across the country. And there are some people who I'm sure were impacted significantly, but the large majority of operators did, okay. So it's constantly fluid, they're going to try to do the most prudent thing they can in a market while still being able to lend. It's very rare that regulators will step in unless you're a troubled bank or troubled lender and say you have to do X, you have to do y. The most recent example of that was the Dodd Frank Reform Act on the single family side, which is why ability to repay or your ability to buy a property is so critical. banks and lenders get really judged on that. So they have to make sure that you really can pay for this mortgage, because prior to that, people were getting stated income loans, they really couldn't qualify for it. There was no income verification and things were getting kind of nutty. Well, today, you really, really can't do that they have to find a tangible way to show that you have an ability to repay. No, a long winded answer Tom. Tom: No, no, I like I mean, that's great. I was just thinking, you know, as a, like a lending company, man you have most ever, like really great insight on like, what that, you know, these multifamily is through the pandemic, their ability to pay back their loans. And, you know, we've talked a couple times in the podcast just amongst ourselves that there hasn't really been that big of an impact on our portfolios that we have. And that's interesting to hear you say, you know, maybe it's just the timing of the payback has been, I definitely get that there was probably people who who have had issues, both and be able to to pay the rent themselves and then be able to pay the loan. But we don't know we haven't been as impacted by it or haven't haven't noticed it. Chris: So I'll tell you this as a metric. And this is public knowledge, my telling you that you don't know we have a portfolio of several billion dollars in multifamily. Obviously, we are the second largest lender in southern Southern California. So we have a lot. I don't think I had a single deferral in our portfolio. And if we did, it may have been one out of the entire portfolio, somebody that called and requested a payment deferral. I will say that certain people like agency lenders, Freddie Mac, for example, happens to buy the majority of the multifamily debt on the secondary market, they had a very loose policy as it relates to this, what they did is, if you call them up and said, Hey, I need a payment deferral, they would give you one and then you had 12 months from the expiration of the deferral, usually around three months to pay all that money back that you deferred, a lot of multifamily guys heard that and I'm like, that's just gonna increase my cash flow, you know, issues in the next 12 months, or they just come out of pocket for it and move on. And they didn't go that route. Me personally, I didn't have any any issues, my tenants other than some slow pay. And a lot of and I know it sounds insensitive, that, you know, we were saying that didn't really impact the market and people weren't hurt. I'm not saying that you guys aren't saying that. What I'm saying is, is a lot of people took those stimulus checks, and they paid their rent, they pay their mortgage, because that's that's where they live shelter is the number one vital thing that we need next to food and water, right. During this whole time, there's been a tremendous amount of insight into how the portfolio reacts and how it's responding. I another thing that I thought was really interesting, was with the remote work environment, right? Like, Oh, my God, people are gonna leave these dense areas. Is that going to affect my properties that are in denser, more metropolitan areas? And shockingly, No, I haven't seen rents decline dramatically. I haven't seen any of those things. A lot of the portfolio that I've seen, I haven't seen those things happen. Not saying that they won't, but as it sits right now, there has not been a detrimental impact on multifamily in I know that drives economists crazy, but that's just the real world. Michael: Yeah, similar for me with my multifamily portfolio in the Midwest. I know that in San Francisco and New York, kind of along the coast, there was a little bit of Exodus and a little bit of dampening effect but I'm sure it sounds like in Texas as well. It was in Oklahoma things were just skating along have just fine. Chris: Yeah, there was a little bit of an influx, you know, some of my stuff I decided a long time ago. And you know, this is not really a banking lending thing. I decided that Southern California real estate couldn't return me the money that I wanted from a pure cash on cash return perspective, if you want to look cap rate, look at that. But in the Midwest, I could go in and buy something for 45 $50,000, get a four bedroom, you know, four bedroom, two bathroom place, and rent it out for you know, call it 1600 to $2,000 a month with a really nice newer home, you know, post 2000 build. And it just made so much sense from from a cash on cash return perspective that we really decided to branch out in those areas. Well, those areas happen to be really highly desirable in the pandemic. So I kind of lucked out in that sense of what happened. But yeah, it was definitely different myself in Southern California, you know, maybe slow pay a little bit. But, yeah, it's shocking to see from a lending perspective where we have all this aggregate data coming in, and we're very, very debt data heavy as an institution, to have all this information coming into us at all times. Really kind of dispelling with the fears that are that the media are running with, and that you have out there. And new investors get thrown off by this, right? Because what, what's the number one that stops people from doing number one thing to stop you from doing things is fear. Right? And if you're a real estate investor, this is a very scary last year. Like what do you do interest rates are super low, there's bidding wars breaking out on properties, you know, everybody's saying the the property values go up next year three to 5%, you know, I should buy I should buy right now. But there's this whole I can't I rented out thing. I don't see any data that backs that fear up. Tom: Kind of kind of unrelated. But I think with your experience and kind of position that you're at, I'd love to hear your thoughts on the business of i-buyers. So that's for those who are not familiar, that's companies like Zillow now and open door where they're buying these properties directly and, and then selling them. So it's almost like kind of an arbitrage these these large funds that are buying and then selling it for me that just doesn't seem sustainable, like in that where there are downturns like I don't know how those businesses survive. Anyway, just from your experience in position, I'd love to hear your thoughts on that. Chris: You know, I, I spent a good amount of time geeking out on ibuyers. And just trying to figure out if I was missing, I have the same kind of conundrum that you do, right? Like, it doesn't seem sustainable, like what's going on here. So I spent any egregious amount of time my wife was killing me every single night. Because like I couldn't, I couldn't get off it like I just it boggles my mind that this is a platform that I don't understand, I'll tell you that, from my experience, buying a home is a very personal thing still. Even if you're a real estate investor, the tangible relationship that you that you have means something to you, if you look at a home on paper, and you look at the numbers, it's really hard to make that judgment call. But physically being present or seeing it or, or connecting with the property of the people that you're with connecting with, it makes that a much more intimate personal decision. It's not like opening up an account and buying some stock, right? You have there's some steps along the way. So because of that, I don't know that there's longevity in the process, we are coming into a new generation of buyers in that you have the Gen Z that are kind of getting to that. getting to that point, people are definitely waiting longer to buy that could just because the cost of housing is going up. But i-buying is a sensational topic, it sounds great in theory. But as a guy who kind of caters to a lot of those types of buyers, I can tell you that a lot of them want to talk to somebody and say, Hey, you real estate agent or you you know, attorney is right, what am I doing? Can I do this? Can I do that? You know, can I waive my contingency on appraisal? Is that crazy? It sounds crazy. Do I have a financing contingency? What What is that? They want to be able to walk that through in the ibuying platform is based on scales of economy, right? You have less individuals, you have more people in an online platform and less people to talk to. Think about it like eBay. Right? You can buy real estate on eBay like she used to. But back in the day, do you really want to do that? Or do you want to pick up the phone and call somebody and have a tangible conversation? And sadly, everybody that I've spoken to from a cultural perspective feels better with the individual? Why do you think real estate agents can still command is you know, 5% of a transaction on average or 4%? It's because that that person's value to the transaction is being that conduit and sometimes you're a psychologist, you're just listening to people's emotions. So the i-buying stuff from a scale perspective, it's interesting. I think what's got a lot more viability are syndications, and we've seen a lot of those as of late, you know, I think you see a lot of the online buying platforms that are that are interesting. What I haven't seen, I think is a phenomenal idea that somebody has really done. He's real estate property managers really need to find a way to get buyers in the market and be a property manager first. You know, not an equity partner and just a property manager first, I think you could drive a ton of business that way, right? If you're a property manager and your real estate agent and you're bringing in business to investors. I mean essentially it's like wholesaling with a license. You know, and you could bring a ton of business that way I think that's got a lot more legs on it as the you know, the time comes I don't think ibuying is the way the future at least not until perhaps the blockchain takes over in the transactions a lot more seamless because If you have a lender. Tom: I love how full circle we went on the relationship currency on, you know, as well as the kind of like, you know, a version and fear of making mistake. Michael: Yeah, Chris, the last thing that I want to chat to chat with you about or kind of ask as we try this episode kind of been building this profile of an ideal real estate investor from the lending side. So the relationship side, and now on the credit side, I'm just curious, what things can folks do to help boost their credit so that they're qualifying for the best mortgages? And then secondary? Are there thresholds or goals that people should be looking to hit in terms of their credit score? So if I'm, again, that new investor, maybe don't have a lot of credit history, or have a little bit of low credit? Where should I be shooting for what should my minimum goal be and then also, what things could I physically do to help myself get there? Chris: So yeah, Chief credit officer, this is the question I get the most. And I can tell you, there is an ideal profile. And there's a lot of there's a lot of kind of that old mythical information out there. That doesn't make any real sense in the real world. But we believe it to be true. First of all, real estate property owners, if you own a lot of real estate, they typically don't have the highest credit scores. So if you're aiming for an 800 FICO, you're probably not a real estate investor. Because here's what happens is one of the things in the algorithm that takes into account these for scoring purposes, is that your total overall debt to your available credit matters, right. But if you're a real estate investor, your job is to use leverage to build cash flow and build them to bigger real estate portfolio with time. So you're naturally going to have higher usage of credit and a lot more trade lines as it relates to mortgages, at least until you get into the commercial world. They don't show up the same way, then most everybody else, so a lot of real estate investors that are seasoned successful people, they also get sued by tenants too. And that can show up on your credit score depending on how it works. And depending on what kind of lawsuit it is. So if you're aiming for a perfect credit score, don't put too much pressure on yourself. Don't do that. There are little things you can do. Little thoughts that that that have just kind of crept up in society, the idea that credit is bad is probably the worst that had to dispel with credit is not bad. Okay? People tend to use our debit card and think it's a credit card, don't do that. Use your credit card, pay it off every single month, build that trade line up, closing trade lines, closing a credit card, closing an account and paying it off actually does bring your score down. So be cognizant of how many credit cards you have, how many trade lines you have, and keep them out there. I have people on one side of the spectrum that come in with zero debt, high net worth clients, celebrities, they paid everything in cash, and they're like, Chris, why is my FICO like five? The answer is, you don't have any credit. No one's ever sending you any credit. You've never used it. So the algorithm is outdated. The algorithm that Experian Equifax and TransUnion these three private entities use is really outdated when you think about it in the context of Airbnb. And you think about Turo, and you think about other ways people can live their life now without actually having to use credit. And it's shocking to me that we haven't updated the algorithm because it's such a baseline part of our society, there are companies that are working to change that with AI and future forecasting of what you will spend versus what you have spent historically looking forward versus looking back. What I can tell you right now is you have to, you have to build credit, you have to be strategic about it, you have to plan to spend with credit, use it pay it down with time, and you have to plan to have a FIFO in and above around Scott 720 720. and above, you're going to get great excellent rates there, you don't need an 800, FICO anything above 720. And you're going to get anything call it up 680 to 720, you should getting great financing, but it's not the absolute best rate in some circumstances. But that's what that relationship base bank will help you out that credit union will help you out, you know, their flexibility to give you a top to your rate at 680 or 700. FICO versus the 720 in their little matrix is a lot greater. And they probably will if you if you ask them for it's as simple as you calling and asking for that modification. Another Another great thing about credit that I think people get confused about is, you know, they, they pay off all their debt. And this is so great, I paid off all my debt. And why is my FICO score like 100 points lower, it's because you're not actively using credit anymore, even though you had it and it was there. So maintaining your credit is kind of more art than science in some ways, you have to understand the algorithm. If something's on your credit report. Typically what I tell people call the agencies dispute it look into it, they'll tell you how to get it off your credit report, they'll tell you the steps to do, you can go hire people to do that. It's a very predatory industry. So be very, very careful if you do do that. But maintaining your credit is the first thing you should do as a real estate investor, make sure you understand it, make sure you build it up. If you don't have a bank that you trust as a partner going forward, you should find that bank. If you do those two things and start to build income over time, you'll be able to buy a piece of real estate a lot easier than you think. But it's not going to happen overnight. Tom: I had a gym, a gym membership or an auto payment and I cancelled it. And they they and so I took my payment method out but they still charged me for like a cancellation fee. And they sold it you know, to another company for debt. I think it's like 50 bucks. And when I you know was buying my personal occupancy, I get this notification from my bank like oh, were you a member of total fitness and I'm like, Oh my gosh, so yeah, begrudgingly like sent them a check for $50 or whatever the stupid fee was. Chris: Well at least it wasn't Planet Fitness. I mean, you That's there you go one. Yeah, you know, it could have been it could have been that but yeah a lot man these little collections will show up and you can pay them off and then but generally when you pay them off, they won't remove them entirely. What I like to do is tell people what to call and negotiate that with the person who owns owns accredited Look, if you if I pay you off, you have the right to deal with the original creditor if you want to, even though they'll tell you you can't you have that right. But you can leverage Look, I'll pay you I'll pay it off, just get it off my credit report, but call the credit reporting agencies and dispute it and a lot of times you'll find resolution there but yeah, it's and if you had that big box bank that wells chase b of A, they're gonna want a letter of explanation. Nobody knows I've written over the years those are fine. Chris, why didn't you pay this $20 account? Probably because I didn't know it existed guys. Yeah. Michael: This was a lot of fun Chris and if folks have more questions for you want to reach out to you or your bank? I mean, what's the bank called? How should they get in touch with the banker you? Chris: Yeah, first foundation bank. You can look us up online. We're the only one that I know of that name. So you can't miss us. You can also find me on my socials I'm very easy to get access to it's just my first and my last name. Chris Naghibi on everything Tick Tock. You know everything. Instagram, you name it. I'm on it. Tom: Awesome. Tom: Thank you, Chris. Chris: All right, guys. Likewise, take care. Michael: Alrighty, everybody, that was our show a big big, big thank you to Chris and first foundation bank. This was a lot of fun. We totally geeked out on some lending stuff. Hope you got a lot out of it. I know I did. If you like the show, please feel free to leave us a rating or review wherever it is using your podcasts. If you're catching this on YouTube, feel free to hit that subscribe button beneath you. And we look forward to see you on the next one. Happy investing