SPEAKER_05 0:01

Welcome, welcome, welcome to another episode of the Stripes and Stories podcast. Episode sixteen. That's crazy. Sixteen episodes.

SPEAKER_02 0:15

Yeah, but it's fun to do this.

SPEAKER_05 0:17

No, it is really fun, but it's crazy that like people want to hear us for that's what's so wild. Because I feel like we do about two a week. So that's like what eight weeks that we've been doing this, which makes sense because we started the end of May.

SPEAKER_02 0:32

Um I just think it's so cool that so many people want to like show support.

SPEAKER_05 0:37

Listen to the stuff. And they want to listen.

SPEAKER_02 0:38

Like that's just awesome. So thank you guys for listening. That's really, really cool. That like, you know, today I opened up the um the app that tracks all the data, and like just today we had 30 downloads. Like that's so cool.

SPEAKER_13 0:51

I never I would have thought, you know, five to ten. So that's really cool.

SPEAKER_05 0:56

Yeah. Um it's pretty crazy when you think about like we kind of just started this because we wanted to just like connect with people and be relatable. Yeah, just like because I feel like there's so many people who put this like social media mask on where you know you act a certain way because you're on social media, or um, you know, in front of people you act a different way than you are. But like this is how we would be if like we tried to model it, like if you were sitting at our house on the couch with us, we would be having this same exact conversation.

SPEAKER_02 1:32

Nothing would be any different.

SPEAKER_05 1:33

We don't filter anything, nothing gets cut out, like this is just what we do.

SPEAKER_13 1:39

Yeah. So just stuff we like talking about.

SPEAKER_05 1:42

Yep. Uh today we're gonna be talking about a couple different things, but to start out, we're gonna talk about gratitude and thankfulness. Um specifically when it comes, I mean really in all areas of life, but specifically when it comes to business, I think it's so easy for people to what am I what am I trying to say? Um start to get maybe a little bit like ungrateful or like we were talking about the last time.

SPEAKER_08 2:14

They get used to things, like they get used to the calls and they used to the leads.

SPEAKER_05 2:19

They get complacent. And I think that to tie in with the last episode where we were talking about what do you do when you have to continue to push farther when you have nothing left. I think that it's easy, like you just said, to get complacent with what you're um with whatever you're doing. But I also feel like it's easy to get into that mindset of like I am so used to this that like I'm just not grateful anymore. I'm not thankful. Like I just, you know, I you're on autopilot almost, yeah. Pretty much like in any area of life, whether that's in a relationship, whether that's uh family dynamic, whether that's your workplace, um it's easy to to get to that point. And I feel like that doesn't mean that you're not truly grateful and thankful for everything that you have. I feel like it just comes, like in anything, it just ebbs and flows. Like maybe one day you're like, oh my gosh, this day really sucks. A lot of stuff broke down, or I made a mistake at work. And you can easily fall into that trap of like feeling ungrateful. It's so easy.

SPEAKER_02 3:41

It's so easy. It's so easy to just reflect on all the negative and just find maybe there were two really good things that happened that you're not even remotely remembering because you had 15 other things go wrong.

SPEAKER_05 3:54

You know what's funny is when we're talking about gratefulness and being thankful. Um, I was talking with my former co-manager today. Uh, she called me about a file, and we were just chit-chatting about, you know, the office is going through a very transitory period, um, a lot of new people coming in, new management, all of that. And we were kind of just talking, and she said something that really like hit me. She said, I'm trying really hard to just be thankful and to not say anything negative because she was like, It's scientifically proven that when you speak negatively about something, you're speaking whatever that negative thing is you're talking about into existence. And it got me thinking, and I was like, Oh my god, that's true. And she was like, So I'm just gonna from now on, I'm just thinking positive. I'm gonna think positive about the office, not that we're gonna experience all these changes, but that like it's all gonna be okay. And when we talk about like being thankful and being grateful, um, I feel like that's a really important point that you need to make, where as much as you, like you just said, it's a mindset, right? You have to you have to think that way. It's the power of positive thinking, which is like I feel like there's probably a book on that or something.

SPEAKER_02 5:19

Oh, there's tons of research studies, books, yeah.

SPEAKER_05 5:22

You name them.

SPEAKER_02 5:23

I mean, there's social media pages dedicated to it. I mean, think about Tony Robbins. He's built a lot of his stuff on mindset and positive affirmation, um, manifestation.

SPEAKER_13 5:36

But it's but it's true. It's true.

SPEAKER_05 5:40

I really think that in this like world that we're living in right now, because we have social media and everything's so accessible, it's so easy to look at Instagram or look at TikTok or look at LinkedIn and see people with all of these successes and kind of think to yourself, like, oh man, immediately go to the negative, like I I should be farther ahead, or man, I really wish I had this, or I really wish that I had this. And it's really easy to fall into that trap. And I feel like if the world did not have social media, it would be a completely different place.

SPEAKER_02 6:22

Definitely would be.

SPEAKER_05 6:23

I feel like people would walk around and feel like really grateful for everything that they have versus like Yeah, because everyone there, you know, it's the silent hate.

SPEAKER_02 6:35

There's some people you can't unfollow, but yet you're not supporting them. You're following them because you're almost hoping for a downfall or something like that. And to me, that is just so weird. Like, if you don't agree with the way somebody's doing something or you don't like how they're living, then don't follow them.

SPEAKER_05 6:55

And also, like, you only have a certain amount of time in the day, right? Like every minute counts. And so you tell me that you're gonna spend the very limited free minutes that you have in the day following somebody that you don't even like.

SPEAKER_02 7:12

But most of those people are losers and they do have a lot of free time.

SPEAKER_05 7:16

Probably. But at the same time, you know, I just think like, you know, we've gone through periods of in our life where people would like see the stuff that we would do, but they would never like say anything. They would just watch from afar, talk, you know, to whomever they would like. I mean, everybody's probably experienced that in their lifetime, but then never actually like I don't know, care about what you're doing, just like you said, waiting for your downfall.

SPEAKER_03 7:49

Yeah, yeah, they just they want to follow the show.

SPEAKER_05 7:52

Yeah, yeah.

SPEAKER_03 7:54

It's kind of funny.

SPEAKER_05 7:56

In my opinion. Why is it funny?

SPEAKER_02 8:00

Because they're so their mindset is so wrong.

SPEAKER_05 8:04

Yeah, that's true.

SPEAKER_02 8:05

That it's it's almost humorous. And like, I don't for me, the all the people I follow, I want them to do amazing. Like I want to see their successes. I would love to see also the struggles that they have because then I can learn something from their struggles.

SPEAKER_05 8:21

Yeah.

SPEAKER_02 8:22

And there's a lesson in everything.

SPEAKER_05 8:24

So and I think like we always talk about how we truly are the type of people that we want everybody to win. There's room in this world for everybody to win. There's enough money for everybody to win, there's enough work for everybody to win.

SPEAKER_03 8:39

There's a lot of grass out there to be cut.

SPEAKER_05 8:41

Yeah.

SPEAKER_03 8:42

I want everybody to cut as much grass as they want.

SPEAKER_05 8:44

And like, even in my job, like with this transitionary period where where there's new management, there's new employees, like it would be so easy for me to just talk about the negative and be like, oh my god, this is a sinking ship, this is just not gonna go well. But like in my heart of hearts, like I care about these people. I want this I want what I've spent the last nine years building to succeed. And I truly mean that. So if you know, if I'm sitting there talking negatively about the office or the new management or the new people that are starting, like, what good is that gonna do?

SPEAKER_01 9:30

I completely agree 100%.

SPEAKER_05 9:33

It's kind of like one of those things where, like you said, you have to change your mindset. And we we kind of like were making fun of um what did we see where the person was like, it's all about mindset. It's just all about mindset, and they kept saying it. I don't know if it was a video that we were watching, and but that video was sarcastic, yeah. It was like this person, we were watching a video and they kept saying, like, it's all about mindset, like six different times. And so we looked at each other and we were like, babe, it's all about mindset.

SPEAKER_06 10:07

Yes.

SPEAKER_05 10:08

Yeah. So I don't know. I'm tracking. Yeah. So I feel like along with that, what was the second thing that we wanted to talk about? Oh, so along with being grateful and thankful for, you know, like Jake is super grateful every day for the business that he has. He's grateful for the clients. I feel like they can sense that he's grateful for their business. I mean, some of the reviews that we've been getting lately is like you can tell that the team values um great work, and I think that that kind of translated into that work thankful for the work.

SPEAKER_02 10:48

It was really cool, like that text that you shared with me this morning.

SPEAKER_05 10:51

Yeah.

SPEAKER_02 10:52

That was awesome.

SPEAKER_05 10:52

Yeah. There was a a woman, Jake forwarded me her information to schedule him for a landscaping quote. And I'll just read it because I feel like you need to kind of get like the full effect. So let me pull it up. Hold please.

SPEAKER_02 11:09

I got nothing to say because I'm finishing up some uh Costco, what are these chicken tenders?

SPEAKER_05 11:16

Yeah.

SPEAKER_02 11:17

Are they considered lightly breaded or what?

SPEAKER_05 11:19

No, they are lightly breaded.

SPEAKER_02 11:21

Oh my god, they're so good.

SPEAKER_05 11:23

So this woman, I was uh letting her know what Jake's availability is to come out and do a landscaping quote. And she said, Thank you for getting back to us so quickly. I have to tell you this. Yesterday when I Googled All Things Clarkston, excuse me, and scrolled through the looking for someone to help us with our yard. Jake's business came up. This must have been divine intervention. I have Googled that site over 20 times over the last two weeks, and everyone wanted to sell me services we do not need. I called Jake's number twice to see what he needed from me, and the second call that was around 5 p.m., Jake answered. I told him we did, we didn't, we did not need the grass mode. We needed some TLC in our flower beds. What a breath of fresh air he were he was. I just had to tell you this. Again, thank you for the quick turnaround time as far as setting up the appointment to meet with Jake. And I said, we are glad to be of service.

SPEAKER_02 12:20

Yeah, that was nice for her to take time on every day to say that.

SPEAKER_05 12:23

Yeah, and I think like all of this to say the fact that like you made such an impact just over that couple minute phone call that you had with her, where you're telling her, okay, yep, I'm gonna reach out to my office admin, she'll get you set up with the landscaping quote, and you know, I can come out and take a look at everything.

SPEAKER_08 12:44

There was a lot going on in that conversation. You know, see your citizen.

SPEAKER_05 12:47

She's very squirrel-brained.

SPEAKER_08 12:48

She was uh very excited to have someone on the phone to talk to. And boy, was it a long 10 minutes. Yeah.

SPEAKER_05 12:58

So I just feel like you know, people can sense when you are thankful for the work that they're giving you. And whether it's when you want to help. Yeah, and whether it's just a quote that you're doing, whether it's lawn maintenance that you're doing, what whatever it is. Whether it's just like Jake, I remember a couple weeks ago he was doing he went out to a senior citizen's home to um schedule a leaf cleanup from some remainder stuff that was over the spring. And he like ended up hooking up her like sprinkler for her just out of like the kindness of his heart.

SPEAKER_03 13:35

And I feel like line. Yeah.

SPEAKER_08 13:38

And I feel like, you know, my gosh, she was literally like Claudia Jr., yeah, Descoliosis, the sweetest little like, oh my gosh, she was a little angel on earth.

SPEAKER_05 13:49

And I feel like one of the things that you can um that if you could take away from this episode, it would be that gratefulness shows in every area of your life. When you change your mindset to just being thankful for everything that you have, I feel like you exude this uh odor. Yes.

SPEAKER_09 14:15

This this pheromone.

SPEAKER_05 14:17

Yeah, I was just about to say this pheromone.

SPEAKER_09 14:18

It's literally a phone I swear it's a pheromone.

SPEAKER_05 14:20

Yeah. And then like I feel like you can see it with your staff too. Like when you are speaking to people in this way, when you're even talking to your employees in that same way, of just being like, hey man, like I saw that you did this on a job. Like, that was really cool. Like, thanks for doing that. Like the response is so much different than you just not acknowledging it at all that like they went above and beyond for somebody, you know.

SPEAKER_13 14:49

So Yeah, because you're you guys are remember we're we're nothing without our team.

SPEAKER_05 14:53

Yeah.

SPEAKER_13 14:54

They uh they work hard, they they're a direct representation of you. So you want to make sure that you're treating them well because if you're not treating them well, they're not gonna treat the customer well, they're not gonna treat the future clientele well. It it it it starts at the top, and there's days where it's exhausting, like my morning. This morning, it just started as crap, and uh, but I I couldn't let that affect my day because I gotta set the tone for the team, gotta get my head right for the clients, all that. Like it just is what it is.

SPEAKER_05 15:30

And you really have to think that like each part of this is a piece of the puzzle, right? That makes up your business completely. So, like your employees would be nothing without you, your I'd be nothing without them. You would be nothing without them, you wouldn't be anything, you wouldn't even have a business if it weren't for your customers. So, like once you kind of take a step back and I feel like look at how all things fall into place. I remember when I started in management, like people would complain about the customers, right? And it's always like, oh, they didn't get this to me in time, and then they're rushing me for closing papers, or they didn't do that.

SPEAKER_13 16:12

Yeah, but that's title work in general. You know what I mean?

SPEAKER_05 16:14

Title work in general, but also I told I kept telling them, and this was probably two years it took for them to drill it in their head. No, no, no, no, no. I understand that they're difficult, but what you guys don't realize is these people are paying your paychecks. You have to look at it that way because these premiums that we get from the insurance that we're giving out on each one of these closings, obviously it's based on sales price, right? So, like the higher the sales price is the higher your premium.

SPEAKER_01 16:42

Sure.

SPEAKER_05 16:43

So when you change your mindset to look at, okay, these people are paying my paychecks, you become a little more grateful for even the the difficult clients. The difficult clients, the minute customers that only come around when they need something because they're literally how you're getting paid. And I would always tell the team, I'm like, this is how we get paid. If we lose clients, jobs, people start losing jobs.

SPEAKER_13 17:11

So you need to Yeah, you want to deal with this one difficult client, or do you want to interview for 10 different positions?

SPEAKER_05 17:17

Exactly, exactly.

SPEAKER_13 17:19

Choice is yours.

SPEAKER_05 17:20

Do you want to have a hard conversation where there's layoffs coming? Or would you rather just do what the customer is asking instead of and I would always tell them, like, by no means am I telling you that you can't sit there and complain to all of us, because you certainly can't. But when it gets to a point where the customer sees your frustration, you can't backtrack that. That leaves more of a lasting impression than you being nice to the person.

SPEAKER_06 17:45

Yeah.

SPEAKER_05 17:46

So, um, you know, whatever industry you're in, if you're listening to this.

SPEAKER_13 17:52

And that's not to say I'm sure that you couldn't tell the people, you know, but you can be clear and direct.

SPEAKER_05 17:58

Oh, of course.

SPEAKER_13 17:59

Yeah.

SPEAKER_05 18:00

Of course.

SPEAKER_13 18:00

Well, how how do you help me understand? You want to close tomorrow. I just received these whatever closing docs that I needed for the closing. I received those at 4 35 this afternoon. So help me understand how are we gonna get a closing completed by 8 30 in the morning tomorrow?

SPEAKER_05 18:22

Well, I mean, that's where you just said you be firm and direct.

SPEAKER_13 18:26

So you say I Because I would love to throw it back and show them what an ass they're being in a respect.

SPEAKER_05 18:33

You're never going to. Correct. So what you would say in that instance, and what you uh what I've said to people in the past is, you know, unfortunately, with how late we received everything today, um, 8 30 is not a possible time. But I can do three o'clock in the afternoon because you're still giving them what they want, but you're getting what you want as well, which is extra time to be able to prepare everything. They're still gonna close the same day that they want to. Sure, maybe they have to adjust their schedule a little bit, but But it but it's on them. Everybody works.

SPEAKER_13 19:09

They they got you the crap you needed late.

SPEAKER_06 19:13

Yep.

SPEAKER_13 19:14

So why are you mad at me? Oh, it it Joe DePay said it today. Your lack of urgency is not my emergency.

SPEAKER_05 19:26

Yep.

SPEAKER_13 19:27

Like, yep.

SPEAKER_05 19:29

And you know, just to put it in perspective of like the kind of stuff that could really just damper your day, I have been working on a file, a Detroit property, for uh, I'm gonna say upwards of about three weeks now for Ron.

SPEAKER_09 19:47

Oh, really?

SPEAKER_05 19:48

Yep.

SPEAKER_09 19:49

Oh, Ron. Love him.

SPEAKER_05 19:50

Oh, Ron, bringing me the issues. So um basically what happens is, or what happened is uh buyer and seller, uh buyer purchased the property on a land contract, which basically means that the seller is financing you purchasing the property. So you pay instead of paying a mortgage company, you would pay the actual seller directly. They retain ownership, but you have a place to live and you are essentially paying towards purchasing the house.

SPEAKER_13 20:21

And if you default on it, they're not screwed. Yep.

SPEAKER_05 20:24

Similar to like a rent to own. You know, everybody wins in that scenario.

SPEAKER_13 20:28

Um, so what percent down was being put down? I don't know.

SPEAKER_05 20:32

Oh um, because I'm handling the latter part of it. Oh, okay. So the person decides to default on their land contract.

SPEAKER_13 20:41

How much was the contract worth?

SPEAKER_05 20:43

$55,000.

SPEAKER_01 20:45

Oh, okay. All right.

SPEAKER_05 20:46

Yeah. So they're defaulting on their land contract. The because of the way Michigan's like laws are, you had you have to take them to court because Michigan.

SPEAKER_13 20:57

Oh, then you got the eviction notice.

SPEAKER_05 21:00

Um tenant favoring state.

SPEAKER_13 21:03

So yeah, you don't pay your bills, no problem. Yep, no problem. We'll get this figured out for you.

SPEAKER_05 21:14

So um the guy, because he's defaulted, he goes to the Wayne County Court and he gets an order of possession or a judgment of possession after land contract forfeiture, which states that unless this person redeems this and pays the seller in full by X date, which coincidentally is Monday, that they lose the house and it goes back to the seller. No questions asked.

SPEAKER_08 21:41

Okay.

SPEAKER_05 21:42

So I get an email from Ron asking me if the guy is allowed to sell it before that period is up.

SPEAKER_13 21:50

Like list it or sell it. Both. Okay.

SPEAKER_05 21:55

So I say, okay, let me confer with our legal counsel, I'll let you know. So, and mind you, this is like going on for a three-week period. So every day there's this little piece of the puzzle that I'm trying to figure out. So, long story short, the um our legal counsel is like, yes, you can, um, you can close it. However, the person who, you know, they need they're paying off, they need to be okay with them listing the house and selling it.

SPEAKER_13 22:26

Wait, wait, wait. The person who's defaulted on the loan needs to be okay with it?

SPEAKER_05 22:30

No, the person who is they're paying, the seller essentially.

SPEAKER_13 22:34

Oh, so the the you're you're talking about the prospective buyer needs to be aware of the situation.

SPEAKER_05 22:40

Correct.

SPEAKER_13 22:41

Gotcha. You said seller, you meant buyer.

SPEAKER_05 22:43

Well, there is a seller, which is the middleman between the person who owns it, the person who took a land contract out, and then the buyer. You have three parts.

SPEAKER_13 22:52

Oh, I s okay. Okay, I'm I'm sorry.

SPEAKER_05 22:54

Because you're you have to look at the owner as basically he's just a payoff because he's essentially a mortgage company. So um he's like, yes, everybody is in agreement. They're understanding. Here's what he wants. He wants $10,500 to get rid of this house and to get his payoff, and he'll sign over.

SPEAKER_13 23:13

So essentially the guy had paid close to $40.

SPEAKER_05 23:16

Correct.

SPEAKER_13 23:17

Wow. You're you're you're 80% there.

SPEAKER_05 23:21

But he also um didn't pay any of his taxes, so he owes taxes back dating to 2023. There's blight violations on the house, uh totaling like twelve hundred dollars. There's twenty three hundred dollars worth of water that's due on the house. Like this is a major default on yeah, just huge issues.

SPEAKER_13 23:43

And it doesn't come back on the the guy who owns the parcel, right?

SPEAKER_05 23:47

No, it does because they lose it to tax foreclosure.

SPEAKER_13 23:50

Oh wow.

SPEAKER_05 23:50

Yeah. So it's in really everybody's best interest to just sell this property. Everybody gets their money. Yeah. But what I'm trying to get at is it would really so all of that pieces of the puzzle I'm figuring out a little bit every day. I finally get to the last piece of the puzzle, which is today. There is a deed that's being held in escrow at another title company, yeah. Um, which we typically will need because we'll need it to record the deed that transfers the ownership to our seller so that they can transfer it to the buyer. I contact the title company that's holding it, and they're like, we won't release the deed to you until we get a paid in full letter from the seller saying that he's been paid and he needs um to instruct us to release the deed to you. And I said, Are you kidding? Like normally title companies will accept like a payoff letter or a closing statement indicating that this person's being paid off. And she goes, Yep, that's what we need.

SPEAKER_13 25:02

So then you let that information know. So go to Ron.

SPEAKER_05 25:05

So I tell Ron.

SPEAKER_13 25:05

Yep.

SPEAKER_05 25:06

And Ron said, the seller's not gonna sign that until they get their money in hand.

SPEAKER_06 25:11

Yeah.

SPEAKER_05 25:11

And I said, Well, as a title company, I cannot release any money without a deed in hand.

SPEAKER_06 25:18

Yeah.

SPEAKER_05 25:18

So it seems we're at an impasse here.

SPEAKER_06 25:21

Yeah.

SPEAKER_05 25:21

Like, you're not, I'm trying to play ball, you're trying to play ball, but like we're not, we're not on the same team here.

SPEAKER_06 25:27

Yeah.

SPEAKER_05 25:28

And so I go to our legal counsel and I'm like, yet again, here's the situation. And John emails me back and he's John's gonna be so annoyed with you at this point.

SPEAKER_13 25:38

He's so annoyed.

SPEAKER_05 25:39

And I said, I said, just to preface this, this is another Ron special, so I'm very sorry that you're experiencing this. Um, and like this isn't Ron's fault either. He was just dealt this scenario.

SPEAKER_13 25:52

Yeah, he's playing the cards, he's done.

SPEAKER_05 25:53

He had no idea what was going on.

SPEAKER_06 25:55

Yeah.

SPEAKER_05 25:56

So um, he goes, you know what? We're just gonna circumvent this other title company completely. We're just gonna prepare a deed in fulfillment of the land contract and be done.

SPEAKER_13 26:06

I said what does that mean?

SPEAKER_05 26:08

So basically, that means that that deed that's being held in escrow at this title company that they're not releasing. Yep, that they won't release. We're just gonna act like they never existed and we're gonna prepare our own deed that's in fulfillment of it.

SPEAKER_13 26:21

Wow. Yeah. It's a bold move, Cotton. Let's see if it pays off. Very bold move. See if it pays off.

SPEAKER_05 26:26

So, all of that to say, it would be so easy for me to have gotten pissed at Ron, for that to ruin my entire day because I've been working on this file for weeks. And then I finally get it all cleared up today, and they're like, we want to close on Friday. I'm like, okay, that's fine.

SPEAKER_13 26:48

And today is Wednesday.

SPEAKER_05 26:50

Wednesday. So, like, it's a little bit of a rush timeline, but like, whatever, I'll make it happen. But it would be so easy for me to be negative about that whole situation, be angry at my customer for bringing me basically a shit file. You know, a $54,000 premium is maybe between four and five hundred dollars. So we really aren't making working three weeks. For the work that I've been doing.

SPEAKER_13 27:16

Yeah. Which it doesn't come back to hurt you because you're getting compensated by your company, but like what a waste of the company's time. Yes. Essentially.

SPEAKER_05 27:25

You feel bad for the title company that they are paying me to deal with this pretty penny per hour to deal with this kind of stuff. And my time could be better spent on a two and a half million dollar deal where the premium is upwards of ten thousand dollars versus this baby file where you know, in the interest of being grateful, I had to think about it in a way of like, you know what? No, like I'm gonna help all of these people get out of a pretty terrible situation that they're in.

SPEAKER_13 28:03

What a creative little workaround that John came up with.

SPEAKER_04 28:08

Uh-huh.

SPEAKER_06 28:09

Yep.

SPEAKER_13 28:09

Man, attorneys are so good.

SPEAKER_06 28:11

Yeah.

SPEAKER_13 28:12

Whether it's um contractual attorneys, yeah, whether it's criminal, uh-huh. Whether I mean, what a gift. And it's what a cool gift to have.

SPEAKER_05 28:23

It's funny too, because this guy is like a couple years older than me, right? And he's John is? Yeah.

SPEAKER_13 28:30

He's maybe like Okay, the way you talked about him, I figured he's like in his 50s.

SPEAKER_05 28:34

No, no. He's gotta be like mid-40s.

SPEAKER_13 28:36

Cool. So he's maybe like a few years older.

SPEAKER_05 28:39

10, 12 years older than me. But like what I'm what I'm saying is like he's kind of like into like the ref raff, right? So he'll Oh, he loves it, doesn't he? Yeah, he'll email me back and he'll be like, here's what I want to tell him, and here's what I'm gonna say between you and I.

SPEAKER_13 28:55

But like It's exactly what a boon does with me when I'm in a situation.

SPEAKER_05 28:58

Yeah, but like, here's what we're actually gonna do.

SPEAKER_13 29:00

Yeah.

SPEAKER_05 29:01

And um, so it kind of helps in situations like that where you're already like kind of like down in the dumps because you're like, these customers are like emailing me every day, like any update, any update, any update. It's like, no, I will tell you when I have the update.

SPEAKER_13 29:17

I I'll give you the update when I have it.

SPEAKER_05 29:20

But you know, it kind of having fun with it, I feel like makes it a little a little easier to um to digest.

SPEAKER_13 29:28

God, maybe I need to go back to school and go to law school. Because I love the drama.

SPEAKER_05 29:32

It's fun. It is I always like after working at this title company and working so closely with attorneys, I'm convinced that like I would have so much fun being a paralegal.

SPEAKER_13 29:43

Why don't you do it?

SPEAKER_05 29:44

And I feel like I we always used to say, like, it's a running joke in title, that like we should have Esquire at the end of our like email signature line because like people think that we're attorneys and we're not. Like we there are so many times we have to tell people like Would you want to do that? Potentially.

SPEAKER_13 30:04

Ah, that'd be fun. I feel like because you know how like you and I get the adrenaline rush from the sales, and then like we've talked about how like a bood, I get why he has an adrenaline rush all day because it's like it'd be so much fun for you. But yeah, I don't know. Maybe the stress isn't worth the pay. I I don't know what paralegals make.

SPEAKER_05 30:23

They don't make very much. I think maybe between like 40 to like 60,000 on a good day. Yeah, they don't make much. They're kind of like they're not really made to have a ton of, in my experience at least, a ton of legal experience. It's more like you're playing like receptionist admin, yeah. Kind of all of those roles panned into one, like court clerk, all of that.

SPEAKER_13 30:46

I'm gonna look up what uh Michigan Paralegal in general.

SPEAKER_05 30:49

So I mean that kind of leads us into our next talking point, which is like why are you worth more? So in my job at least, and then I'll let you 60 to 67. Yeah.

SPEAKER_13 31:03

So essentially in the role in your spot on entry level between 43 and 48. And then while senior specialists in corporate roles can't exceed 90,000 annually.

SPEAKER_04 31:15

Yep.

SPEAKER_01 31:17

Wow, okay, cool.

SPEAKER_04 31:18

Yeah.

SPEAKER_05 31:22

So when we talk about like why are you worth more? That situation that I just described kind of explained why I'm worth the money that I get paid. And you know, I once I the company asked me to stay a little longer than my, you know, employment was supposed to be for, you know, Jake kind of made me see like, oh no, you're worth way more than what you're getting paid. You need to ask for more. They need you, and just throw out a number out there, like tell them what you want to what's like your pay that you feel is would make it worth it for you to stay.

SPEAKER_13 32:03

But also at the same time, too, you know, you're you're getting benefit out of it as well, not just on the pay side. Yeah. So like it's not just it doesn't just come down to the money, Catherine. You know, like make sure one, you know the number you want, but also come at it from the perspective of yeah, I could see why. Yeah, that that that's a good partnership. I like that. Yeah.

SPEAKER_05 32:26

Yep, everybody wins.

SPEAKER_13 32:27

Yep.

SPEAKER_05 32:28

So when they asked me to stay, Jake really encouraged me to negotiate what I thought I was worth, and I did. And I ended up getting a great pay increase for the you know, couple extra weeks that I'll be staying there. And I feel like all of that was because I know my worth as an employee, specifically at this company. I know that what my skill set brings to the table. They know what my skill set brings to the table. So when we talk about why you are worth more, that whole scenario I just explained to you is why I'm worth more. Why I'm worth what I get paid.

SPEAKER_12 33:17

Because I'm not gonna scoff off this $55,000 file.

SPEAKER_05 33:20

Exactly. I'm gonna treat it.

SPEAKER_12 33:21

I don't care if it's $5.5 million or it's $55,000.

SPEAKER_05 33:25

The same way across the board, I'm gonna deliver the same customer service. Do I really want to be dealing with this sale? No, but that's just the way it goes sometimes.

SPEAKER_06 33:36

Yep.

SPEAKER_05 33:37

And I mean, you can speak to it more in like your industry and in your business model about why you're worth more. But I just feel like a lot of people go into work and they have a hard time figuring out what they're worth or what would be a good price for whatever it is that they're doing. And so many people I feel like will often just like throw a number out there. Like, you can find a lawn care company that will do your lawn for $35. You can also find a lawn care company that will do your job for $95. But it's all about what what they are worth to you, what type of quality they bring to the table.

SPEAKER_13 34:24

Do you want someone that, you know, yeah, he's he's cheap, and but I do have a hard time getting a hold of him. Okay.

SPEAKER_04 34:32

Yep.

SPEAKER_13 34:34

You got the $50 option. Yeah, he's pretty good. Grass looks pretty darn good. Um, yeah, now there's some turn marks in the grass. It is what it is. Trimming doesn't look super even. Um but he's pretty he's a pretty good communicator, you know. I'm I'm satisfied. Yeah. Or you got the $95 guy. Oh man. I mean, it just looks like a golf course every time he leaves. And if uh I need a change because I'm having a party or whatever, I text him or call him.

SPEAKER_06 35:03

It's not a problem.

SPEAKER_13 35:04

Yeah, no problem. When you need it done, okay, yeah. We couldn't make that work.

SPEAKER_05 35:07

Which it's funny that you mentioned that because today when I was taking Stinky for a walk in the neighborhood, I noticed on the you know how when we're walking on our street, we get to the end where we turn onto Lake Front Street.

SPEAKER_13 35:22

That house, that blue house, there was a That's straight on that's on the water?

SPEAKER_05 35:29

Nope, it's kitty corner to the water where the guy's like super jacked and he's like gotta be in his own.

SPEAKER_13 35:34

Oh yeah, the motor guy. Yes, yeah.

SPEAKER_05 35:37

So um, I was walking stink and I pull up, and you could just tell that this company is probably one of those like $35 companies. You can tell by the equipment they had, you can tell by their truck, by the trailer, like all of it. And so I'm sitting there and I'm looking, and I mean his grass is fried. They shouldn't have even really put a mower on it because of how fried, and it wasn't just parts of the lawn, the whole thing, the entire, you know, that's that house. It gets so much sun, being that it's right on that corner.

SPEAKER_02 36:11

Yeah, it's toasted.

SPEAKER_05 36:12

Yeah. And they were sitting there cutting it, and I was like, what's the point?

SPEAKER_13 36:17

What are you doing? Cutting dust?

SPEAKER_05 36:20

Yes.

SPEAKER_13 36:20

Yeah.

SPEAKER_05 36:21

Like, what are you trying to start forest firing here?

SPEAKER_10 36:23

Like we just got over Canada. Yeah.

SPEAKER_05 36:26

So, like, when you talk about how you can find somebody who can cut it for this price or somebody who can cut it for this price, and what the difference is, that's the difference. You have somebody who's just gonna come out and cut it because they want to make their $45, $45, whatever, but they don't care about the health of your lawn. So they're just cutting burnt grass just to cut it, just to say that they did. But then you would pull up to that lawn and you'd be like, Yeah, no, we're gonna skip this week because the health of the we'd get out and then we would look at the back, make sure, you know, okay, well, maybe we could maybe the back we'll be pleasantly surprised and we could take care of the back for them.

SPEAKER_13 37:05

And nope, uh-uh. But like then, I'm even looking, well, is there any like edging that I could do? Or like is there just some fine fine-tuning that I could do? Because like I already drove over here right now. Let's let's just say there's crabgrass that's uh you know hanging over the edges, but nothing else needs to be done, and then there's some driveway weed cracks. Yeah, let's hit that real fast. What are you gonna charge him? I'm not charging him anything. You're not it takes us two minutes. Yeah, like let's just make that area pop.

SPEAKER_06 37:40

Right.

SPEAKER_13 37:41

And then we'll head to the next one. Because we just we just saved 12 minutes, essentially. So let's give this customer a good two. Yeah, because literally that's all he needs. And and even if he doesn't know that we were like, who cares? Yeah, just get it, just make it look good. Because maybe he'd even come home and go, wait, the guys didn't cut, I don't think, because it's pretty burnt. Who did that?

SPEAKER_05 38:07

Yep. But that's the difference. That's why you're worth more than so many of these other companies. And you know, when we're talking about anybody in this space, like it's all about what you do to set yourself apart. Because, like we just said, you can find anybody to cut your lawn. I mean, there's literally endless amounts of lawn care and landscaping companies to do whatever you want. You can pretty much have your pick of the litter, as they say. And you for you know, another great example of this scenario is the lady that we were talking to that lives on Lakefront Street with Neil.

SPEAKER_06 38:44

Oh, yeah.

SPEAKER_05 38:45

When she was talking about how she wanted to get a quote from you because the service provider that she had, what did she say? They kept increasing the price, and there like wasn't really great communication, and then she noticed that like there wasn't really much attention to detail anymore, and she was expecting to be like the fall cleanup, they were cutting stuff that shouldn't have been cut, yeah. They were cutter hydrangeas, and she lost her ish because of that.

SPEAKER_13 39:12

And um, you know, those are all you gotta know you gotta know your clientele 100%. If you're if you're cutting a million and a half, two million dollar house on a lake, you better believe that one, the expectation is gonna be there, yeah.

SPEAKER_05 39:27

But also there's there's just going to be a different way of conducting business, but also like you don't treat those properties differently. The same way we just talked about whether I'm dealing with a fifty thousand dollar deal or a two and a half million dollar deal, like the way that you work is still the same.

SPEAKER_13 39:46

Yeah, but it the client interaction is going to be different because you're you're going to get someone who expects the world.

SPEAKER_05 39:52

Yeah.

SPEAKER_13 39:52

So you you have to deliver, and they're not afraid to let you know that they expect the world.

SPEAKER_05 40:01

I don't need you to do all this extra stuff that you do.

SPEAKER_13 40:04

There's two there's two types of wealthy people. There are the wealthy people and they want you to think they're very wealthy.

SPEAKER_06 40:11

Yep.

SPEAKER_13 40:11

And then there's extremely wealthy people that treat you like a brother.

SPEAKER_06 40:16

Yeah.

SPEAKER_13 40:17

Because they value you and they value the service because they don't want to cut the grass, they don't want to do the landscaping, whatever. They're not passionate about it, they or they just don't have the time.

SPEAKER_05 40:27

Yep. They're paying for convenience.

SPEAKER_13 40:29

Yeah, they're they're paying, they're buying back time.

SPEAKER_05 40:31

Yeah.

SPEAKER_13 40:32

So it's very interesting to see the two types of wealth because it is very evident, very evident that there it's either the millionaires and billionaires that value you, and then there's others that are pinching pennies to stay millionaires.

SPEAKER_05 40:50

Okay. Yep.

SPEAKER_13 40:52

Got it.

SPEAKER_05 40:53

And neither is wrong. It's just what you do things.

SPEAKER_13 40:56

You you you conduct business however you want.

SPEAKER_05 40:59

Sometimes, you know, that's not as important as, I don't know, putting that extra money towards another car payment. You know, who knows? But I feel like, yeah, it is true what you said. There's the people who like want you to know that they make money, and then there's the people who are like underrated and you would never know how much money they have.

SPEAKER_13 41:20

Silent and we know a lot of silent killers in our life. Yep.

SPEAKER_05 41:24

Yeah. Yep. But I mean, all of that to say, I feel like you know what you're worth. You charge accordingly. And people see that. I mean, that's why you have so many longtime clients who have been your customer for what, 10, 12 years. Because they see the value in what you're doing and they continue to want you as their service provider, they could literally go anywhere else. It's the same thing we tell people at work like there's hundreds of title companies out there. If we don't offer the best service to these customers, they're just gonna go to the next one. Yeah, they have no loyalty to us, their loyalty is to get the deal done.

SPEAKER_13 42:09

To get shit done.

SPEAKER_05 42:10

However, that has to happen, whether it's through us or another title company, like that's what they're gonna do.

SPEAKER_13 42:16

And now, let me ask you this within title companies and such, obviously, reputation is everything, but like, could the title company down the street be cheaper, or is it normally the same market value? How does that work?

SPEAKER_05 42:32

So uh title insurance is state regulated, so you won't find any any leeway there as far as premium-wise, okay if one company is higher than the other because they're state regulated. So um there's no there's no variation there, but where you will find variation is um in the difference of like closing fees, junk fees that people charge to customers. So, like for instance, at my company, we lump everything into one fee, right? So if you're closing on a buyer side, your closing fee is $595. That encompasses everything. That encompasses the doc prep, that encompasses um hiring a notary, that encompasses us doing all the papers, communicating with your lender, whatever.

SPEAKER_07 43:21

Having your physical closer there. Yep, exactly. Gotcha. Okay.

SPEAKER_05 43:24

And then for a seller side, the fee is less. It's $299. But you can go to uh Jerry's title company down the street, and they could charge $400 as a closing fee, but then they charge you a hundred and fifty dollar notary fee, then they charge you a fifty dollar deed prep fee, then they charge you an attorney fee of seventy five dollars. So those types of things that you can find difference in pricing, but interesting. Yeah, on the general sense, those are state regulated.

SPEAKER_13 43:57

So obviously, Phil Seaver has started. he started your title company.

SPEAKER_07 44:02

How how did he you think amassed the the success no the successful business that he has? How do you how do you think he did it? How did he stand out?

SPEAKER_05 44:17

Well he being that he was such a successful attorney he started going a criminal attorney right? Yep he was a criminal attorney had to be a public defender for a rape case and he knew that the person did it and he had to defend them against it. And he had a daughter who was the same age as this victim. Victim and he was like I couldn't do it. That was the end for me. I I knew I couldn't defend criminals. So that's what got him into real estate. And then he started working with a lot of like he still does lawmakers um uh he started working with other like real estate attorneys and he's on the board of so many different like realtor platforms whatever so very well networked and connected very well networked and then at the time there weren't a lot of title companies out there this was kind of like I wouldn't say it was relatively new but because the process of like banks and insuring their loans changes so often this in the 70s? Uh-huh okay yep and then so he had two locations he had the Clarkston office and the Bloomfield office which um he then sold to ATA title who owns our company and made several million dollars off of that transaction and now he kind of just is like a he's like um like a uh a silent liaison it seems like he's like a like a like a moral support attorney yeah like he's not he doesn't have like a job role technically he just like is there he's there from nine to twelve and then he has the golf course and then he goes to golf yep good for him yep goes to Florida a couple times a year obviously he uh has a lot of investment he owns um the two buildings that we're in so we have a building on Woodward I would estimate it's worth probably between eight and ten million dollars um he owns that building and then the building next to it which is also the same commercial building um a very very wealthy man but looking at him you would never you would never know he owns a ton of rental property I was gonna say yeah rentals um yeah I mean he just has amassed a ton of wealth and not by anything really that he I mean I'm not just saying trying to say that like he didn't work hard but he was smart he was smart yeah yeah he don't have to be the the most knowledgeable or even the smartest in the room it's just thinking smarter not harder he put himself in the room with a lot of people that knew a lot more than he did.

SPEAKER_13 47:11

Yep and he wasn't afraid to admit that he didn't know it everything.

SPEAKER_05 47:14

And he is now so well regarded I mean I can't even tell you when I was working in the office how many calls I would get on a daily basis.

SPEAKER_04 47:25

Oh yeah I used to work with Phil 40 years ago is he still there or what's going on with him?

SPEAKER_05 47:31

Yeah he just left for the golf course he's here from 8 to noon every single day if you wouldn't believe it he's in his 70s had both knees replaced and uh that man is still kicking still comes into work every single day and loves it.

SPEAKER_13 47:44

Yeah he's he's got purpose. Yes yeah that's so cool um what what else was I gonna ask you about Mr.

SPEAKER_05 47:52

Seaver um we were talking about how he did it but like he also he got in at the right time he at the time when this whole crisis was going on with the banking crisis in 2008 and 2009 that was when he sold to ATA because like right before the crash or just after after because you know the it basically upended the entire title insurance industry because nobody was buying houses at the time because so did he almost screw himself he didn't screw himself but he was getting to a point to where it was hard for him to make payroll okay and so he kind of was like okay it's either I lay off people and you know Philly's got such a kind heart he didn't want to do that. He used to finance people's loans like for cars out of their paycheck he would say okay you you could come to him and say I need a car and I'm uh it's ten thousand dollars he would give you the money and then he'd be like we're gonna sign this agreement saying I'm gonna take X money out of your paycheck every week so that like a random employee would ask him yes that was the type of person that he was wow yeah just very kind hearted cared about all of his employees wow yeah and um so I forget what I was talking about so far before I said that. Oh 2008 2009 he knew that he was gonna have a hard time making payroll I mean nobody was buying houses you had to completely change your business model because instead of buying traditional houses you're dealing with short sales and that's a whole other animal you have to learn you're dealing with foreclosures you're dealing with bank owned properties which work a lot differently than a traditional sale and rather than have to lay off people he ended up selling the company and to ATA who owns several they bought up a bunch of different title companies and kind of beefed up their business that way. But yeah he uh he was um very caring about the people that he worked with and he the bottom line is like he didn't want anybody to be laid off and that was the whole reason why he sold yeah but he also didn't want someone not to be able to come into work because they didn't have a car.

SPEAKER_13 50:13

That's cool. So you said something that um piqued my interest so you said he got in at the right time with the title company and everything.

SPEAKER_10 50:23

So and you said there weren't a ton of title companies so what was before like has title comp have they been around since the 1900s like what what happened like with Phil? Like was there what was before title? Like how was this all handled just via bank every single time?

SPEAKER_05 50:42

I don't know the answer to that question. That's a good question actually um I'm sure with the different like banking regulations that may have changed based on some type of like maybe after the Great Depression I don't know um but I what I do know is that um actually let me google it because I want I'm now curious now that you've asked me.

SPEAKER_13 51:11

When did title companies come into effect?

SPEAKER_05 51:15

When did title come into effect companies start okay so the first modern real estate or the first company to issue modern title policy World War I. A real estate title insurance company of Philadelphia now Commonwealth Title which is a pretty big title company established in 1876. Before these companies existed home buyers relied solely on conveyance people who searched handwritten public records often without financial protection if a mistake was made 1876 so a hundred years after we became a country wow that's impressive I wonder who came like I wonder who came up with the idea to create title. Well the banks would have came up with the idea because if the whole point of a title company is to ensure that there's no liens of record you're basically buying a house with clean title which is in the bank's best interest because if they're loaning out money on something where there's a lien on title they aren't in first lien position so they don't have any foreclosing rights should they need to exercise them. And I'm sure there was some legal ruling at some point where a person lost a home due to an error in somebody looking at the public records and then the bank got screwed. Sure. And then like we gotta protect ourselves better than this all came about and um I mean even now we have people who will still try to file a claim with our underwriter saying that they legally didn't have authority to sell a house or um we had one one time that uh they said that what did they say this guy came into our office he was clearly like mental and he was saying that we had no right to sell his house he's now homeless his mom sold it out from under him like just an absolute cra and there are scenarios where that does happen but for the most part like with modern technology how you're able to view public record that's not really a thing um but I can see how back then that kind of stuff would happen.

SPEAKER_13 53:55

Yeah um it's kind of cool to see you talk about title because I feel like you perk up and like you're extremely passionate about it. Like I feel like you know me talking about mowers or weed whips or whatever like I feel like you're at that like level of dedication because there's so many nuances to title work.

SPEAKER_05 54:18

It's never black and white.

SPEAKER_13 54:19

And like I can tell you there are so many nuances to equipment to the style in which you mow the style in which you trim the style in which you edge.

SPEAKER_05 54:31

Yep I mean I could tell you six different ways to edge along and that's what I loved about title insurance when I first started in it was that every deal is different. You never really have one deal that's the same. So one day I could be dealing with this crappy Detroit property and then the next day I'm dealing with an estate file where the person died. I mean I've seen so many crazy things like um back when um maybe just so you know my mic's about to die.

SPEAKER_13 55:06

I can see it flashing just you keep going with your thought. I'm just letting you know I might come over there and talk.

SPEAKER_05 55:11

Okay in 20 I think it was like 2020 we handled the deal where just a really sad story this guy was an executive at Rocket Mortgage which back then it was quicken loans and um he was pleading for help from everyone and um nobody was helping him he kept saying he was mental he ended up coming home one day um locking his children in the bathroom and stabbing his wife to death about 20 times. He called the police the police came and um he basically didn't harm the children. Yeah I mean horrible that he murdered his wife the child was the one that called the police from the bathroom how many children two children a boy and a girl oh my gosh and um the uh the um like what was he saying like that I I have rage and I have no he was saying like I'm not right in the head he went to the police station asked for help and they basically didn't do anything for him this was before mental health really started being a thing you know all of that happens and you know he you could tell by Oh my god he was really crying for help yeah when I was reading this court order you could tell that like this guy really did need help and like nobody was listening and so um this all happens he stabs his wife to death the police come they arrest him um he's found like you know competent enough to stand trial and he goes to jail is no longer able to have contact with the kids but how this came about in my lap was because the court appointed um basically uh receiver for the situation um was an attorney that works with our office so I'm seeing this come through and I'm just like oh my god like this is so devastating and you know you're dealing with stuff like that that really like puts everything into perspective for you in life of like this guy was reaching out for help another guy I mean did they ever find out what his diagnosis was was it schizophrenia was it it was extreme paranoia it was paranoid schizophrenia along with like bipolar disorder oh that's so sad and oh that breaks my heart because one like obviously those children no longer have a mother but like he was strong enough to even ask for like he he knew something was wrong yep and this I I don't I look at it as like you know the neurotransmitters and stuff in the brain like they they weren't firing right for this guy. Well how sad another story that we dealt with was like one of our agents um her husband was a high level executive as well um committed suicide in their home but before he passed away he I mean he was dealing with so many like mental demons but before he passed away he wrote her a note with all of their passwords to everything all of their bank accounts like everything that she was going to need when he passed away so like you know how much he was struggling for him to take all of that time out. I care so much about my wife that I want her to have everything once I'm gone.

SPEAKER_10 58:44

Yeah I I see both sides.

SPEAKER_05 58:46

I do too and but like you're killing her too yep you're killing her too she she needs you she loves you and then another crazy story that we had and then you know we can end it but just like the the scope oh yeah we'll just end it after all this the scope stuff that I deal with is there was another story we had an attorney send us a deal where the 16 year old or the 14 year old child was in jail she got convicted for because she poured bleach on like the bleach that like eats away at you on her father because that doesn't sound like bleach that sounds like uh it was that lime stuff I think it's called or lie it was something that's like a burning chemical compound.

SPEAKER_13 59:36

Yeah I'm trying to find the word um he was sleeping on the couch it's like what you melt bodies with in the tub yeah I forget what it's called he told her that she couldn't go somewhere and she got mad.

SPEAKER_05 59:47

So while he was sleeping she poured when he was sleeping on the couch she poured this on him.

SPEAKER_10 59:54

Where did she get this from?

SPEAKER_13 59:55

And then left I have no idea I wonder if it was like some type of drain cleaner because it was because there's some stuff that is oh it'll burn through your skin so quick he survived yep but she pour it she of course goes to like or all over his body he was completely disfigured.

SPEAKER_05 1:00:18

What the fuck? Yeah and so she goes to court and so like this house is being sold right like the house being sold is like the last piece of the puzzle you know it in the grand scheme of things that doesn't matter at all. So like we see all this stuff after all of the legal stuff has happened all of it and so you know I'm reading through this court order and I'm just like oh my god this is terrible but this is also the kind of stuff that we deal with where like these types of situations we've had this isn't just John and Jan and Janice buying a house. Exactly this is sometimes like the last piece of the puzzle like for the man who stabbed his wife this was their kids inheritance inheritance this was we gotta make sure this is done right for these kids yeah what was going to make sure that these kids have permanent therapy for the rest of their life they're in counseling for the rest of their life and that all of that is paid for by the sale of this home you know so we just have this teeny little part in it but it's such a big impact you know what it's gonna do for these families like moving forward.

SPEAKER_13 1:01:31

So it totally makes sense why Phil got into title work. Yes.

SPEAKER_05 1:01:35

Wow and why I love it so much because you always deal with something different like you can have a story like that or you can have the basic first time home buyer. Exactly and that's such a a crazy you know I wouldn't want to do the same thing every day.

SPEAKER_07 1:01:55

Yeah that's so cool.

SPEAKER_13 1:01:57

Yeah wow well the dogs are gonna start going crazy so this is a perfect spot to end up doodles howling outside and the other dogs want to join so all right just remember to be thankful guys every day's a blessing every day's a gift reflect on it and uh we'll catch you on the next one