The following is a paid program the views or claims may you're not necessarily those of WI OK staff management or sponsors and it's time for a -- and -- -- don't you we do. -- -- -- Until you lie okay. -- I think good morning. How are you I'm wonderful how -- you know. I can't say it's a beautiful day in the neighborhood and the well will but I sizes and I think I'm fine thank you and it's a beautiful day in the mister mister Rogers thank you. Okay. So I was saying that they do not particularly care for this weather even though. It is still fall and it's still relatively warm. I thought last night was one of the previous nights should have been Halloween. Because it was raining. And it was cold it was raining it was raining. And cold and windy and I actually for the first time. But I was driving my car can put the heat and you know that little thing comes on the triangle that says it's a little slow and it. And -- that the black ice. Potential for black guy six man there was very little so early -- I -- I was just too much I do not like and yeah. Due -- an announcement but anyway -- so how is your week. Follow in this crazy but good you know men out around -- -- crazy it's. Lots to do not enough time you know and did you attend any events. I did Saturday night was beaten and wonderful you know when you're involved doing events. AEU. Sometimes don't enjoy them when your -- from. This year this Saturday night at the Scranton cultural center was in the fifth annual. TC MC. Gala or the commonwealth medical college gala. And I had such a blast it was wonderful at securian delight did the food. The Scranton cultural center and the beautiful John MacKey did did the decorating the committee was wonderful it was shared patents. This year by -- my house and trees Casey. And it was they honored all of the time ME DC original board. And it was it was wonderful minus one. And now -- it was just it was just a great time every it was Julie Jordan did the photography. It's in the Banda was a witch doctor and -- -- most of them are on the -- physicians and they -- on the leave a ball they are to perform a soccer and they are unreal to their songs they player gray hair the way they play him fabulous I mean. It was truly a wonderful I had a blast yep that's good. Telling people where there of about 500 goods. So it was NN as an auction for the first time in a program book for the first time this year. So there was a lot of activity a lot going on and I am. It was you think they made a lot of money yeah I think they did pretty pretty darn well I think it and it was it was was it it was all new for air. A lot of the new employees in that department so -- they did a great job. And I had just -- it was a Kenyan anti I had such a great time it was beautiful and fabulous and good night went by. Very quickly and just started to rain of course -- -- in the beginning but that didn't damper anyone's spirits it was I truly had a wonderful time so. And if you're out there and you want to have a good time next year ago the year after year it's really a lot of fun. Well. We were at the Jersey Shore you're that we can't yet -- Why because we have we're visiting some friends -- he had planned this. And I think it was in August. You know so okay we can't pick a weekend and so we did but of course as you know. Instead of driving there on Friday night. We drove into Manhattan on Friday night. For. OP candidate announcement. Yes it was absolutely flawless. And what she does spry is she was absolutely has faced lately shocked answered my son -- so I'd be surprised. I'm sorry to Tyler Robertson Napoli and just to contain them are now engaged. And they have. Not made any plans and I know of yet. As far as. Anything beyond that they're just engage the engage state is that I -- you -- that you like yes but in other thing is it's just it's working out fine everybody's happy. We went to this wonderful place called bubbles. And it's a champagne bar in terms -- few I don't know where the actual theater was because -- insidious. But I thought we had a wonderful time there wonderful just so much finally met his parents. And his sister and -- and that we met her parents. And her sister and brother and then a couple came in a little bit later around 9 o'clock finish. And apparently today that guy who was one of Tyler's. Friends from. It when he was in high school and even before that. And I guess when he came in he came in knowing that this was what the reason why he was there. So Tyler asked him on the spot if you would be his best man caring and decent yes. So is nice to meet him so it was really cool guy. Loves the Poconos. Loves the pumpkins so why he wants to come -- -- anytime you like -- One that and it went really well I'm glad his planned his romantic plan worked out it did. Very very well -- nice congratulations to tie he's just such a nice guy and she's very nice to us out. That's some good and do you like your parents I do I love them they're nice people -- kind and her sister and brother are. Really nice it's a nice family was Tyler's mom their tone now now shooting down from one that's I mean that's. Philly -- Soviets always that stuff you know as they say -- happens you know down for the retarded. Man shot. -- -- This just my friend Gary Evans who I saw I had and I men's the other night. And he didn't he felt we didn't have this show anymore. 'cause he didn't. They thought we said at one point we weren't doing this the bits that knowing that lie wave but we're still doing the show so scary. There ER if there's your name. You've got a huge feat. And I didn't have a chance plus we get I don't think it's talk about. -- diner around dinner that I speak a vast circle 200 at castles. I don't think so okay. Well circle 200 -- group of women in northeastern Pennsylvania and occasionally we do these diner around events where. We go to some place -- a woman's house floor restaurant. And we are the host of the evening. And it's open to any number of women who are part of the circle 200 and the idea behind it is that you small intimate gatherings. And you really get to know the women. Who are in this organization. And mostly he's trying to mix everybody up so people from haseltine would come in clarks summit and -- some of my go to wilkes-barre wherever it is he makes it all up. So as it turned out there were five of us and we went to pencils and path as Kansas a member of circle 200. So we had. It a dinner that was completely. Off the menu. And a total surprise to everybody who is there policy said before we went bananas does anyone have any food collection -- -- oh. But this is this going to be fun. So I can't even remember we have five. -- six courses cash and it was an incredible thing -- and every single course when it was presented. Michael Wagner who see and -- -- and ask him came out and explained to us what we were about to eat -- what was in it. And it was just the most amazing thing is first time in my life I ever had Sasha crabs child really and I can't say that I like them. No but nobody it was interesting. Until experience and -- course it was done gourmet an elephant beat reduction in a business ethics at this is really awesome. So. And course we had -- our own individual apple tarts for dinner exert. With some creme fresh and other cookies -- just kind of got it was so full I left. But it was wonderful. It was a lot of fun to sit there and clearly these other ladies from that well that you probably know them Danielle Fleming yes. Charlotte -- best. Nancy Jackson Matthews asks me and pet cows can implement standing by this very mentally -- told a little stories. You know how we got to where we were and what was going around a bit more interestingly though from a personal perspective. Not the bio that you read in the news -- -- -- you know it was just nice to get to know some of the things that have happened to some of these women have within now. -- so that's why that organization is wonderful content from confidence or drink. We did that cool -- and also you know last Thursday night cap turn our good friend Catherine swells and who owns -- spirited art had her grand opening she used to be and they fashion mall across from the view my -- And share grand opening and it was in very very nicely done and it was lovely and there were a lot of people -- very happy with. The turn out and done. She got some good. You know story friends and people PR from -- PR standpoint -- wells she was happy and it was a great degree afternoon. So I love the concept. I didn't because I had two other things that I had to go to. So but they were painting and it was sneak his it was a mom and I and her daughter Aaron another Kamerion go Martin brought her son and he was painting and I'm that they showed the three charities that in the each one that for Dave Christian -- she did the charity nights leading up to. Her grand opening and it of course -- be doing it monthly frontier and different charities every month and 50% of the proceeds go back which is a lot comeback to the charity. So obviously the more people you have the better off it is the Griffin pond. Animal shelter was the last Monday and they did this adorable cat oh my god it was adorable. And then they komen foundation was next and they did the ribbon and -- Marlys mission was the net third day and they did a horse which. The pain was beautiful and it's amazing. How are you don't think you can do it and as captain says it's -- even if you think you can't drastic figure you can do this 'cause it's. Amazing and that's. They -- when you walked in there there's such creativity you can feel. The creativity. And the lowering of Europe. Blood pressure and you're -- -- craziness honest to god there's something about being around Eagles and paint brushes and paint and it just brings you to another a whole other level was it was really nice and I and that's while she has a quote from Albert Einstein that says creativity is intelligence having fun. -- nice south. And congratulations -- and I in the fashion mall across from the view map monster spirited are right on the top you'll see you can't miss section 35 dollars you can go when. And do a painting -- there's always an there's an instructor there and you take it with you it's king and canvas and you came with acrylic paint. And all of that things are wonderful so there's a lot of fundraising opportunities girl's 98898. Mom and child that kind of stuff and it's it's really nice time so go up and give it a shot because. We -- -- just -- guess that well I guess fear on bearded aren't Scranton dot com okay. This is a novel member yes she is and I. Why also make you notice the fact says I think it's November 11 I don't remember what night that is Kathy reference -- Is the next novel meaning. -- -- -- How is it that's where is it the eleventh on the money is -- that must be tennis I was in the sense now -- I don't remember what -- it is but I know she's next in line because I saw yes she is next to mine but it's not it's the nineteenth. 19 PM almost positive and the thirteenth. Thirteenth that's it sorry. -- -- yes -- feet and here's why since the 1988 and I don't know the next show just clarifying -- at the number meeting they said in nineteen and it was actually the thirteenth so kids can't declare I was gonna say please don't. Now the eleventh dad is these sage words for the chamber of complicated network and yes. So and we have to give a real big shout out to judge James Mon may. I think Simon scam and they told them I mentioned just Amy set I didn't -- I said well I'll say -- -- just James money's a big fan anyway there we now. All right so say towards the stage awards are November 11 OK at ads -- -- -- -- jobs for the chamber of commerce yes so get your tickets that's a fun -- tell. How can and then now I guess we'll take a quick break yes. And we'll be right back you're listening this morning to Mari human -- -- -- -- -- Excellent Evans and president and CEO of northeastern financial consultants. We're fee only financial planning firm -- -- -- Larry Kevin and the owner of a large can enterprises which is a fundraising PR and special events business. And I need to clarify something PS my friend Lindsay -- becoming the other day you mentioned that Maria. Zeng Carty from Mohegan Sun speaking at the women's network luncheon and I say yes and she said except to call their Maria goal Marty. I did. And I said I probably did because I said that to somebody else she said it's saying -- because I know prepare her mom. I sit all my god I have to correct bad so it's Maria is saying guarding and she was. Fabulous. Fabulous I can listen to our -- -- what she she talked to by send this class we should see human resources at Mohegan Sun in the way they. Screen new and it's all about your personality in a -- core values and how you. You know -- you -- you have to adhere to them as the employee and it's all about pleasing some entertainment business it's all about pleasing. The customer and keeping them coming back and when you keep your employees happy your business is happier and you make more. The bottom line which is revenue. So yes which is true very very very true it's a psychological but you know I think. There. As -- businesses as there are small and even march. I'm a lot of people never clarify what their values are for the business the core values. And so I find that and even in my own business. I believe the IE. No the reason why I'm there. And I would bet if somebody asked the other three employees and I had. If they know what the core mission their value is of this business they would have three different answer. So yeah but that's because what they do they cash and Mohegan when they hire you wish you have. Like in grange. In two years -- -- -- every day yeah I mean and you have to get people to stay on top of the ballet until I announced yesterday a police saying end on that kind of stuff meaning. Making sure you're doing what you're supposed to go. It's not easy but he had to pay someone to make sure it gets done and sell. But core values are very important like you know we were just say about fidelity bank are wonderful guests here again what I tell it. I can't say please and yes they said as we can we were Salem -- and lack of pay any house memorex. When I worked for fidelity bank for all of four months back in 2000 and 23. Into sport to. September. 23. Until -- January 12 2000 to three to four irons. Yes when I laughed I said to my dream pollster into Mary Pierce then I it would if there were rumors at that bank that I -- Was fired for lack of wearing no house just know. And I said. I didn't Wear pantyhose that I was not fired that's -- -- -- Santa now all the times remember when you fire in Maine as I could never fire you who could fire you said that's right who could anyway. So now fidelity -- yeah we are stacking ice is so I I started a trend they don't weird and I. Got fired up because of that. But she didn't I didn't get fired just made sense to keep the college -- Well -- write -- -- -- green there's no -- I was required now Iraq. Which is a fashion and he deep -- should never been anyway because. You don't need to win if you like them find what I was fired once because I wouldn't I refused to Wear. Skirts and -- when I came out of college and all I have I remember you told me that. Yes and he had just -- -- total under discriminate action right. I don't like but at that time who was gonna do anything about it. Number no one but now see the difference is you really can't to tell us a woman that she has stood where I had just can't stand it because it's so. She can not if you don't want to -- you doing you'll like them more power to you I can't see personally I can't stand them. I might leave her I like Thai ace in the winter but I cannot stand -- house. They are awful and I love how do we USA why he's welcome do we need -- all this if you like are you like I don't know why. Many say no pun intended but I do like them because he knew warm pantyhose. You warn you. -- may be well commentary how -- we want content we have introduced separate. Meanwhile do you have the -- today. Now. I don't. Could she still excited can't do that I do I have -- something even worse that people just how I know -- guy. She -- I'm just gonna tell you right now you know I hate nylon -- and I can't in the field I don't even Wear socks. In the winter I do. I'd weird no sacks all year long -- five shoes on which I have I'm looking marrying now known stockings no sacks I can't. Deal with socks okay thank you for sharing them until we know I'm sorry but it's -- thing we need to talk about a story. -- -- well we were talking about what my end of that now its year end event -- the store. Yeah. Head. Okay yeah -- hey what so ladies and gentlemen I do have a story go hand how okay. Charlotte is a retired teacher who has never paid much attention to our finance. Actually. Ever -- this. You're fine and we know people like that she arrived in my office with a box full statements and -- -- some of which had not been opened. She was talking to a friend the other day openly admitted her experience. I've -- financial affairs and wondered if there really made any difference if she knew what she had better not -- teachers' pension and Social Security. Or more than sufficient to handle her lifestyle needs including some expensive international travel. So why she reasons it showed she fixes the name broken. Her friend and -- Demanded that she haven't reviewed by a financial professional. Who could help her and suggested the three of us me over lunch. So pleased from my perspective it was a delight. To have someone in front of me who had more since he needed to support her retirement lifestyle. And I knew there was some mischief and not knowing what she had -- night and couldn't even could even be costing her money by not knowing. The first thing we did was a review of her experience with money from the time she was a child through her marriages and her divorce. Some interesting patterns came bubbling up and whenever she whenever she wanted something she bought it and the money always seem to be there to afford it. She treated herself well did contribute to her retirement plan with some lapses of participation. For no apparent reason. And she had no investment strategy other than buying stocks and mutual funds it looked attractive. Not because of their performance but because she liked the -- First thing we did was open all the envelopes. Look at all the statements and put -- in some logical order she told us she wasn't she was sure. It didn't amount to much but she would really like to know what she has and what she could do that. The value. When we -- it up was in excess of 900000. Dollars. When we told it was the number was sure sure that'd be a mistake we showed her how we came up with a total she reluctantly agree with our math. Now the issue was how do we reconstruct this portfolio. Surely she did not need any income from it she always had an excess or savings accounts and a guarantee of her pension or Social Security. So what slash I ask you to consider the use of -- trust. Which would allow the income from the investments to be allocated to each year to one or more charities which aligned with her values. She named to that really meant something to her. We set up the trust so that she had control over the assets. But she gets to endow a scholarship for any city girls every year for college tuition payment. In addition she makes a contribution. Anonymously. To the animal shelter in the town she grew up ten. She's delighted with her new place in the world and loves the idea being a philanthropist. All because she never opened her envelopes. The end. I never opened my need it was that my story somebody. Like -- painting a much more rosy picture it's not teasing yeah I just exaggerate Willis -- my -- best yet but still that's. Yeah I dentures thing her conversation. And and it's funny lady and somebody that really it was just how old issue about. And sixties -- and just it was it was a relief to see somebody. What I started asking questions about you know deal that what you're living expenses and all of I would I would treat myself very well -- I would never -- bio is half. I said was that night and she said yeah we take some really great time I saw her. Yeah it's cool ladies I'm great personality why did she anonymously donate to the shelter because she didn't -- is on anyone else looking for money hardly. See people do that all the time -- she just didn't want to become the -- the go to person for every cause. Mission nervously shows. The animal shelter in the town she grew up in which is not where she lived up cash so that it would not. You know come back that they would not all know her to come back and whenever something. Kind of worked out really well it's very nice it was fun. So. I could. -- from real simple magazine called women and money. Why you need to take control now. The good news more than a third of American women are now the family breadwinners I think it's more than that but I think this is old information. But the bad news is we still tend to pass the buck unimportant money matters such as investing and retirement. So here's this woman's story I pay bills on time as bargain shop like a pro. I watched my wallet so ways to anyone working in my first job. I thought I had my act together when it came to my finances. Until I spoke to joke with an older co worker who discovered that I had not signed up for the 401K retirement plan offered by our company. He was appalled. Speaking slowly. Might well meaning colleague explained that if I participated in the plan. The company would match my contributions. What I stared at them blankly. He -- in frustration and it's free money. They try to present me with the numbers. By investing less than a hundred dollars per paycheck I could eventually accumulated nest egg at a million dollars or more again Craig gets. Some are you not about the magic of compound interest the Morey sounds like the teacher on the cartoon peanuts -- want -- Exactly. It was being. Will there what does for Earl -- can't even stand for it and for that matter. K. Again. -- to get my colleagues off my back I have -- promise a look at the paperwork. I did third and kept putting off and rolling before I finally kept my word one that decade later. I thought it. Well okay she kept -- -- I -- signing up for 401K it was a bizarre psychological hurdle I couldn't get over but why. I was part of a phenomenon that some money experts have dubbed the female financial paradox. Translation. Like millions of other women I was perfectly happy to pinch pennies and hunt down sales he and I couldn't Muster the slightest interest in big picture financial planning. What is going on here we women are hardly meek and passive and our careers. We have more power and earning potential than ever before Furman graduating with more college degrees -- men -- climbing farther out. The ranks of nearly every industry. Nor are we shrinking pilots regarding every -- financial affairs when survey found that a full 90% of women. Identify themselves as the chief bill Payer in shopper. Which we've always talked about. Ups and yet we lag behind men and actually is crucial to building wealth insecurity such as investing and having a long term money plan. And we'll talk about -- -- later that the reasons I think are really great site and follow up investment. I think a lot of us here ourselves and that -- -- yeah we're gonna take a short break you're listening to Lori in -- show will be right back. It's Saturday morning a little Korean DeLeon and -- Good morning good morning. My name -- Linda Evans and the president and CEO of northeastern financial consultants -- fee only financial planning firm in clarks summit I'm -- can the owners Mario can enterprises. Which is a fundraising appearance special -- business. And we have some guest experts. In house. We have. -- pollster who's been with us before we just want everybody knows she's a return -- I'm -- the -- the vice president and residential mortgage and mortgage loan manager. At fidelity bank since 2010. Prior to her current position Murray and worked in various departments throughout the bank including loan operations and commercial loans. For the last nineteen years like this is -- now told yeah. I gradually King's College she earned her masters of business administration and finance and investment primary -- college. And her colleague. -- -- also. From fidelity bank is Mary Pierre. She is -- mortgage underwriter. Who works with marring. At this fidelity bank. Or thirty years she's been there she's been working in the mortgage underwriting department for ten years. And she said various positions as well. I'm seasons Scranton office. And I'm supposed to say. Married Clorox. How he'd done okay. That's a nice day in -- -- -- -- thanks so welcome ladies thirty years Hamas how -- and married twice needs cloning. It's hard to believe to be really nine than a minute yeah I now 29. I was in a mere child and I. And then hopefully can -- And other guys this so it is. OK so we have to talk about something that's happening today. Yes and what -- that they. We are doing a play -- apart campaign and it all wraps up today. -- it's our big event we're going to have a ribbon cuttings old friend McDade courage and there's going to be a costume contest for all the children. So bring your kids put their past and done. We're going to be given -- three Kindle fire HD isn't as well as other prizes for best costumes. Sitting county dignitaries will be there as well as from fidelity employee isn't. So bring your family out to be -- -- then -- -- ability isn't. Giveaway isn't everyone's most of the. Which tell what's the time learning. It starts at 10 o'clock tonight I thought OK so as you just finished listening relax don't get -- -- -- down. And then high tail and over to make data over in the west side of town. Easy and -- could be a lot of fun and it ended ended kids with the Halloween customs I was a great idea and they'll get to see the house and go win and all that kind of stuff -- Tomorrow and it's a log cabin had a choice prior to a three Victorian -- mind NA. Contemporary contemporary and they cut any log one now which I knew what and even though I would like to Victoria. My house -- well hello fast ovals -- for the log me as well as universal you know unisex and it works out. I saw the picture in the paper. Last week and this week and about the with the builders that they were putting it together and getting it already. Who heads a nice sunny since. So that's good for all relating to know. Fidelity. Gives away money and gives away did you hear that she gives my hate. For our mortgages and you and one you've pretty much -- lead the pack in the in your mortgage just. Ability and marring you know Anne and Mary you know from having been there as long as you have. Come through the ups and downs Marion thirty years. -- the mortgage did indeed real estate business so I'm -- rates are incredible -- now so why. Why would you think it's a good time in what do you guys feel about the length of time which they should stay laughter. -- I don't know exactly how I'm gonna stay -- they've been home for pretty darn time -- south hopefully I continue. When -- kind of racist you know it's tough -- and I this is I'm sorry say if you don't bluff. Obviously they're very eerie it was four point 12 -- -- -- little higher amount but they have -- -- down down on Leno host unfortunately there's just no guarantee as to how long it'll stay there or available for down the here's the deal if you miss this opportunity because it's like given in a way -- Seriously that's so now. It has made some people think because it was under 4% and arms over powershares six and I know right now I don't it sure when you think yeah. Just out for thirty years or whatever it is TM is an -- at all how do you find the true what's the current trend in people coming in I day. I -- brief financing I think I think new home what's right now if you had to see the last -- like within the last month what you saw more option is an equal where's the money going into which which -- probably more purchases via guys who have materials yeah. Well there is Andrea thank everybody has refinanced. OK the past three or four years. And I definitely believe that the economy is starting to turn around Philly do you see a lot of -- as coming up constructions yes. And let me ask this existence. Is really as is as someone who sells and I again I dabble in the NF because it and I don't have time but I do occasionally. And I like it. I am. That way but. How do you see this is there are in the east through -- Requirements loosening up and ala Sarah Lil more flexibility in approval is it still as tight as a drum. Can you know. -- -- I don't think anything is -- and how how can. There's a bunch of changes coming in January end. Till this day and I think stricter guidelines so get in now yeah -- how much restraint can they be I. They're they're change in what about the percent outside mortgages. They're they're looking and 43%. -- and commanders as 45% -- -- -- -- the ability to repay is going to be. Highly scrutinized. It doesn't mean that people still cannot -- get a mortgage. Don't know SPF to follow the rules them. But there are a lot of rules at all. Someone about second homes. Seen a lot of Matt Morris is a deep down. A fair amount I have a second homes. This increase. Now now now how about investment properties do you guys think they're gonna change that with how many you can aren't. It -- get get and have mortgages on because what is a foreign mining. 35. Years in Hanover. I think as many as are really one brand. That the guy lines just change your fees change based on how much you owned. On the requirements change a few more than five finance property that's what I think we need to get government. Financial informing out of cash from you have cut -- for you. Is it just kind of changes what we need to do it and handled that you see that because I know even -- I -- -- -- moment. Whom there was talk of this so I sat Lin had asked me today as today if I went to see. -- that the chamber where Jamal against focus and I couldn't get -- and -- board meeting but last week I was there when bill. Corey Wright spoke and they would talking about it investors in coming into this you city to Dubai properties. And they were saying that they. You know are still interested in in coming in here and and because of their rates being an hour and and just it just isn't on the market they're looking for excuses -- you how how are you guys seeing match. You get a lot of outside people like investors from other states or do you think -- doesn't that really happened there. A lot of things too many now I don't the originators talk to a lot of people right and we don't see them and actually do the application. So they may be talking to other people via that I don't know but I don't think you're seeing. An increase in -- -- from custom. Because people and for whatever reason they like get things like it around here. And from other states they do I mean I guess to the schools you know the university and the colleges that they buy them and they they rent them. I mean god knows that's a -- did his whole life thirty years of doing that she's just a -- doesn't do it anymore doesn't want to but nonetheless there's some people are hungry for that. But again the use building summing dorms so. So now and I don't know what do you does like Sean goes to pet my son goes to Penn. And they have an off campus housing that isn't part it's obviously -- Nat on campus. But yet it's approved by eight. Penn for kids to go there. I don't know if the university does that if they have like landlords that they know they can say to a parent should -- I know this and will approve desk. It's just not part of fire on campus housing. I've never I didn't know they did that touch on talk about it and the university -- yeah -- just curious because that's where a lot of these investors like to. Go find other. There's actually good technique that's used by a lot of people I have some clients who did -- to clients who didn't. That actually. That they bought property. Found around the campus come wherever their child was going to school. And today felt strongly enough that their child was being responsible enough to be at these so called landlord. And rented out -- and multi. Dwelling places. So that -- that essentially paid for their. Their child -- housing either rent. I guess a kid yes and then at the end of the four years they stole it and yet another parent when I'm kind of thing. Yeah so that's a very interesting way to do it too -- thing that was needed to deal was approved by the college it's just something meant. People are doing so I think the Smart move there is to be the builder. Who builds those. You know for sweet apartments. And then sold them to her parents -- then there's keep trying to moment. It's amazing redemption and that half. Missed so many people may vitamin C and just like that they after the kids -- done they get rid of them right. Can't regardless of what it -- -- feeling that the with a slight game but people at that point that don't care for the most part right here. Counter because we've got the right yeah exactly and it's over and colleges on until. Firing and Mary Lynn was asking some questions last year last week about. What you think she asked me as an agent what would you tell people to prepare. To buy a house. And most of it is to get to pre approve all -- so that you can make it looks better you know wasting anyone's time including your -- looking at how -- you can't afford she is there anything you would recommend that if someone's coming into fidelity to get a mortgage. I'm IBC you're the one they're going to to get preapproved for what it what should they bring with them what should they have what do they need to collect to go win went to start the process. Well I'm pretty approval is the minimum. We just need to really look at a pace so just to verify that you made what you're telling her she makes. And it is crunch some numbers story and they don't really have to commend fully prepared to tiller ready to actually apply for a mortgage. And you can actually go onto our website Pincus fidelity dot com and apply right there on mining get preapproved right there online now that's the diamond how to stop them. Yeah ideally I'm just from what information. Yeah I mean really mean the pre approval part -- I know that's of people while what -- if they're going to that next step to get is there anything. I mean their dad they have to have to tell you what say they have an outstanding debt to they need to prove -- just it's gonna come up on a credit. Look quite right on their -- right -- to bring wins them. Two most recent days sounds. Two W two's two years signed tax returns. To deposit accounts say -- -- lesser deposit comes without Fidel downlink and then we can try our own statement. -- as well as a sales agreement for the purchase. Any construction contracts this they're going to build. -- it's just a resigning him in a copy of their existing mortgage statement so we can see the balance. Family and -- -- color and if there isn't the right until Italy remains lease agreements that we just need evidence that they have a rental income. They trusting comes Social Security income. There's just been documentation to back up whatever income they're telling us they help. And you can do besides getting a pre approval online you can go into any of your your office is which or how many now it's -- annulment PM -- -- how many counties before. -- -- -- -- -- -- -- -- -- -- -- Humbling does Leland outside of the lot gray was around here -- the so we can win and see anybody. Cool Geneen appointment for this is the best to do there's something usually and how is just way to deal with Hollywood to be to call the things remain the number. And they can get -- -- originated as closest to where they're located tank and then -- originated only commend them -- some -- who now works out so far as they'd like to talk directly they can go and call my. -- -- Hit F 570504. -- he's zero for eight that's 570. To five vote floor. 80 course is our mayor -- -- sure as time zone is Mary tracks the IMO ORD zero and I mean I'm so. I know what they're doing here as we just said thirty years in twenty years. I'm doing this. And then they can help then so new loans the originators that they have on hand didn't. Give them -- looking for mortgage your information pre approval and at least get their pre approval before you go anywhere out. Anyway -- -- thank you guys have a great weekend good luck today with the opening of -- didn't big -- clash within the beyond -- house play the Montana play house. 10 o'clock McDade park today and we'll see you guys next week have a great weekend everybody be safe and.