because Shams had some news yesterday, which then trickled down into a million other things, Shams. Kick it off. Yeah, so from what I'm told, Kyrie Irving has reached out to LeBron James to see whether James would come to Dallas. And we know Kyrie Irving is a free agent. And to me, this is more a subplot of his upcoming free agency. Clearly, he's become kind of a recruiter, putting on his recruiter cap, wants the Mavericks to improve their roster. And I do believe there's seriousness to Kyrie Irving wanting to play with LeBron James. We've seen it the other way around the last two years. It's been remembered that LeBron wants to play with Kyrie Irving in LA. And now you're kind of seeing the script being flipped a little bit. And I think there's no question. Both Kyrie Irving and Luca Doncius want the right players around them in Dallas. And so it's unlikely that LeBron James is gonna end up in Dallas. Just like it is, I think unlikely that Kyrie Irving ends up with the Lakers. I think LeBron James is happy in LA. His son, Bronny, is gonna play for USC this season. But listen, in some ways, there is a good amount of leverage here that even LeBron James gets for something like this. Because there's no doubt he wants his team in LA to improve the workload that he had last year going into age 39. So we'll see how this impacts Kyrie Irving's free agency. What? What? I was about to take a sip of water. He's taking it. He's taking it. You need a coffee, Mike. No, it's your drink. I'm sorry. I just don't know how it would work, Shoms. Like, first of all, you're too good because I don't even know how you know this. I don't even know how this gets out. Like, how is this news? But you're really good. But as it works, who do they get rid of? Like, are they trading everybody? Are they trading Bertons? Hardaway, Hardy, Green, every pick they have, I don't know, in the next 10 years. Like, it doesn't make sense to me. But if you can go and get a LeBron James, obviously, do you try and do it? Sure. Like, I think for one year, because he's already made it clear he's gonna go try and play with Bronny if he were to have that opportunity, right? So, I don't understand how this would work. But yeah, if you can go and get arguably the greatest player of all time, why not? Yeah, like, it's $48 million in salary. Like, how do you even do that on that team? Shout out to Kyrie. I'd love for LeBron to be part of Running Back.  I bet he would. The worst kept secret in the league the last year is these two desperately wanna play together. Like, they have not hit it at all. My thing when I watched this is the Lakers. They have clearly, they have made it clear that they don't wanna trade a haul for him. They've had three opportunities to go get him and did not, just Mark Cuban want LeBron. I bet he does. But how do you even make that happen? Would you even do that? LeBron's not leaving L.A. Kyrie's not going to L.A. apparently. So, I don't wanna say it's a non-story, but it's just another hilarious Kyrie-LeBron thing. Like, at one point they'll play together again, I'm sure. Once you get him, then how do you fill out the roster? You just hope guys take way less and get guys on minimum deals to kind of surround this trio. That would be really good. But again, I just, I don't, I don't see how it's possible. And I don't, like, why'd they leave each other in the first place if they just wanna go back and that'd be the big storyline. Sometimes you think grass is green or it turns out it's not, it's all dead and garbage.  For Kyrie as a recruiter, just hear me out. Is it possible that Kyrie knowing that he wants the big max deal and that half the world thinks it's a bad idea and the other half thinks that they're stuck and they have to do it? Is he just not showing himself as a, quote, recruiter? Look at me, I'm invested in the team, I love Dallas. I wanna be a maverick, I wanna make the team better. Look what I'm trying to do in a ploy to sort of bamboozle the front office and be like, yo, he's totally in. And you know what? It gets the fan base on his side too, like, oh my gosh, look, he's trying to recruit LeBron James.  I definitely get it. Then also at the same time, he's going to Lakers Playoffs Games trying to get leverage from other teams. So I think he's definitely playing a little chess, not checkers, but also he's an extreme talent. And like you said, maybe it is a bad idea to sign him long term this summer, but they made their bed and now they're sleeping in it with him. And I think he goes back through, I think he gets a three or four year max deal there because they have to, Mark has to, right? He gave up a lot of assets to get him. Does he have to? It didn't really pan out for this three month trial last season. But I mean, you're looking at still the best backcourt going into next season if they lock up Kyrie Irving and Luca. So Chandler, you've been a recruiter at different points.  And then you, if you don't get the big fish, which clearly like the odds of him actually getting LeBron James, I don't know what they are, you know. I think it's zero to 0.0. 0.0, maybe 0.5. I mean, it's like, at what point if you're Kyrie Irving is disappointed to get other players that are also in the marketplace? It's just set the stage for them. A little bit of both. And I was 50%. I got Dwight Howard when I won him and then Deandre Jordan just broke my heart. And that was actually for Dallas as well. So yeah, it's tough because you want to better your team. You want to make your job easier. So you want to get the best possible players. This just seems like a, this seems like a, you know, he's swinging for the fences here and it's probably not going to happen. But listen, do they even become an immediate contender if LeBron goes there? Like how many games does he play? Is he going to still play at the same level he played this year? Like I'm not putting all my eggs in a basket. He already just did that. Mark already just did that with Kyrie Irving. I'm not doing that again for LeBron James for one year. For one year. Okay. So as a recruiter with Kyrie, I mean, we've seen with KD, is he a good recruiter? What's his, what is the game plan? I mean, what's the resume? I mean, I guess the resume is Kevin. And if you let them tell it, you know, they came to that together and just needed a city. And it didn't end as great as they wanted it to. They both admitted that. Look how fun they were. It's Kyrie, Kyrie's an enigma because everybody in the league loves him to a man. And he's just like a great guy. And they think he plays beautiful basketball. But if you ask like ownership for different teams or general managers or maybe not even coaches, I feel like coaches like him too. He's obviously a very interesting character. And can he get LeBron to Dallas? Probably not. But is he smart? And does he know exactly what this means as far as his leverage for getting a contract for his ability to get other guys for the way he looks as a team player and all of that. Oh, he knows all this for sure. He's brilliant. He knows exactly what he's doing. You know what it feels like? He's like the NBA Leonardo DiCaprio. He gets all the baddest ones, but they don't last. By the way, the latest Leo DiCaprio, just to go off my tangent, is Gigi's 22 year old friend. It's crazy. How? And again. He must be dumb. Cause if he's just talking to 20 year olds and there's nothing going on up here. I don't think it's about talking to him. That's my only two cents.  Chandler's like, he's my hero. Let's just put on our make-believe hats for a second and just think that this could potentially be something. What can Dallas even offer in a trade? Well, it would have to be literally their biggest salaries. They have two first-trump picks that they can trade. You really have to go all in on that. The only other option, if you're not going to get acceptance on the Tim Hardaway Jr. Maxi Kleber, basically you stack these contracts together, two first-trump picks. And if that, you know, obviously that's a hard sell for the Lakers. Luca Dutch is the only other player and they're not going to trade Luca, right? So you're trying to get LeBron James on a team with Luca and Kyrie. But listen, like, is there a universe where LeBron James is like, I want to be in Dallas? And if there are players in the league that have built up the equity to say, I want to go here, trade me here, I mean, Kevin Durant just a few months ago, he wanted to go to Phoenix, he ended up in Phoenix. So, but again, that's a very alternative universe, you know, that I don't think we're living in. That's the market though, right? Two young guys, another starter, a Hall of Traffics. And those are things that Dallas doesn't have. Like, how does, what does you even trade for LeBron James at this point in his career? Can you just play three? I mean, if you could just play three. They might want that. The Lakers don't want Tim Hardaway. They don't want Bertons. They're like, they have to be, there has to be some sort of jail in brown, some staple piece in the trade to make it work or make sense in my opinion. Three-way trade, is that what you're suggesting? You gotta bring in a three, yeah. Now we're talking Leo, Leonardo DiCaprio in three ways all of a sudden, so. Perfect, baby. It's show is taking turns. It's Tuesday. Okay, if you're Luca, by the way, we haven't even really talked too much about it. It's still his team, last time I checked. If you're Luca, do you even want LeBron James? Yeah, I would, because we all know how passive LeBron James is. We all know how he likes, he gets off by making the extra pass, playing unselfish, almost to a fault this season. But yeah, I think that Luca just needs help. He would love to have Kyrie Irving back. He would love to have LeBron James. He would love to add just pieces that can kind of manage his workload, not make him have the ball so much in his hands, and there's gonna be still games where he dominates and he takes over games, and it's his team. No matter who they bring in this year, it's still his team. But yeah, if you can get a generational talent like LeBron, who's also gonna fill the stadium, the amount of jersey sales, everything that LeBron brings, the Mavs and Luca would die for, but again, it just seems very far-fetched. LeBron in another jersey? That's just weird to think about. I mean, his history says if he goes, he'll get your title at some point. I mean, I don't know if he's doing that at 38, 39, 40 years old, but if this is the best player on the market, the Mavs should pursue him. I think on the flip side, like the Lakers, people have been saying this for a while, they should consider what they can get for him going forward and if that's, if they can, he has, what does he have, a player option next season? So they have to consider their future without LeBron James. This is, I don't think the deal, but maybe that deal exists. Maybe there is a three-scene trade. Maybe there is something. I wonder if deep down in the truth box that they have over there at the crypto, if they actually would consider a LeBron James trade, I think they should. I don't know if they would. We always talk like LeBron has all the leverage and maybe that is true, but the team itself, the Lakers, how much leverage do they have over him? I mean, to an extent, I think both sides right now, it's interesting. You know, the Lakers, they just make those trades at the trade deadline, get all those guys. Daniel Russell, Malik BZ, Jared Vanderbilt, really hot tomorrow that can help them win right now. And they end up going to the Western Conference Finals. Daniel Russell gets benched in game four. And I think overall, when you look at the landscape, when you talk to team executives, they feel like, you know, the Lakers could be in the market for a point guard, right? So when you think about the available point guards, FedBam, Vleet, Kyrie Irving, their best bet might be to bring back to Daniel Russell, but I think what you're gonna see over the next, this, you know, between now and July one, July two is like, can they get a point guard? Can they see what's available in the marketplace? And so LeBron James, clearly the workload he had this year, at the age of 38, can he do the same thing at 39? The amount of games you played, the minutes that he played, even in the playoffs, the minutes that he was playing on a torn tendon, I think this, this all season will be interesting to see how much the Lakers prioritize decreasing that workload for him. Yeah, again, I think it's something they explore. I think they look for it. If they can get something in return that compare well with what they just traded for this deadline, then yeah, go for it. But again, I think we all agree that this is kind of far-fetched and Dallas just seems like more of a want than actually going to have. So if you're the Lakers, like how do you go about this off-season trying to decrease the workload on LeBron? Or do you think you don't need to? Even like last year, I wish they would have started the year with that team. They were a real team, right? They were contender, they were deep, they had shooting, their pieces made sense. That team that they threw out there in the beginning of the season didn't even make sense. And they had no shot. They started off two and 10 or two and 12, whatever it was. But you know, I think they have to continue to get depth. They have to re-sign Austin Reeves. And I agree with you, Sean, but I think there's not really a better option out there than D-Lo this summer at Point Guard, although he struggled in the post-season. I mean, it could be the best they could get. So I think they kind of run it back here. They try and save LeBron's legs as much as they can. But it also has a lot to do with Anthony Davis, right? He's got to be healthy. He's got to be a dominant player that he's been in the past. Austin Reeves, highlight reel. It's funny how the cookie crumbles, right? They're the only team that got swept by the Nuggets now. Even the Timberwolves got to win off the Nuggets. But they beat the Warriors. So it's like, yo, what is this team exactly? Are they true contenders? Can they beat the Nuggets in a series? What they have? They beat the Warriors. The Warriors are the reigning champions. What are they? I agree with Soms. I think they need a Point Guard to obviously seek that out. They should be wondering if they can get Kyrie to LA. They should be thinking about that rather than the Piranha Dallas, but... I feel like that's part of this. Kyrie's up to something. I need the most chaotic version of this story.  Yeah, why not? Do the rest of the lyrics. Rap it, Jen. I don't even know what... We've got a spot. Chandler, why don't you tell us who's coming up next after the break? We got arguably the best coach in the NBA. My favorite coach I've ever played for. Head coach of Cleveland Cavaliers, J.B. Bickerstaff. Coming up next. Bernie Sun.


Hello again to those of you that joined us yesterday when we chatted about pre-qualifications. For those of you that are joining us for the first time, welcome. My name is Natasha Champion and I'm a regional sales manager at Uber Home Loans. We work with both real estate agents and buyers to make sure that buyers are pre-qualified before they're put in an offer to purchase. And today we're going to discuss more about the home loan approval process once that offer has been accepted. I'm joined again today by Willem Camolo, an area specialist for the Pam Golding Property Group based in Danefirm. We're going to cover the ins and outs of getting the best deal on your home loan and why it's never a good idea to limit yourself to one bank. We had some excellent feedback from yesterday's session and a great Q&A. Hopefully we can add the same value today chatting about how to make sure you get the best deal on your home loan. Natasha, I can't tell you how many times people just accept the first home loan offer that they're given without considering whether it's the best deal for them. Now I do understand that that's the biggest obstacle as a buyer when it comes to securing a property is the actual home loan itself, so people are very quick to sign on the dotted line. It can be a costly mistake not to shop around for the best deal. Absolutely. So I think the power lies in the comparison. Being comparative quotes and not settling for one offer, especially when you're dealing with the biggest financial commitment you're ever going to make. Without having options and without having more than one quote, you also don't have any bargaining power to go back and forth and fight for that best deal. What I'm often asked by my buyers when I suggest that they look at multiple quotes is what difference does it make if they save say 0.25%? Why should they withhold on acceptance for such a small percentage? So it's interesting and I think one needs to remember that you're embarking upon a 20 year loan and the interest over 20 years can be quite substantial, specifically in the case of a higher loan amount. So the higher the loan amount, the bigger the interest is and I've worked on deals over the years where that quarter of a percentage could save hundreds of thousands. That is a great saving. So 0.25% isn't actually a small number after all in the long term. So another thing that does come up is I know a lot of my clients have say private bankers or long standing relationships with their bank, doesn't it make more sense for them to just go directly to their bank? Wouldn't they naturally give them the best rates? So not necessarily. You know, while it's a noble idea, a lot of people think their own bank will automatically take the best care of them. But it's so important to remember that a bank is a business and they are subject to various credit policies at any given time and these change all the time. A stat that I always like to share is that 43% of our applications are actually banked with an institution that is not the client's primary bank. Because that's where the client got the best deal at the time. I myself have got my home loan just from a personal perspective, not from my private banker, not from my primary bank. And I think it's quite naive to assume that you are getting the best deal from your bank without any benchmark, without any level of comparison. It never ceases to amaze me that people will use an insurance comparison service to save a couple of hundred bucks a month. And when you want to buy a vehicle or even a big screen TV, you'll do a fair amount of shopping around. And this is your biggest financial commitment you're probably going to make. Don't make the mistake of accepting the first quote you receive, or indeed the only quote. Yeah, you're right. So what happens in an instance where someone has already been pre-qualified by their bank, surely that's pretty much a done deal? So for those that joined us yesterday, you'll remember that the bank pre-qualification is not always linked to a credit report, and it also is not always linked to verification of declarations. It's based on what the client declares in terms of income and expenses. So it's not necessarily verified. Our pre-qualification has got a 90% chance of approval because depending on the exercise, the way we pre-qualify you, we verify declarations and we do a comprehensive credit report. So we're actually ticking all the boxes that the bank's credit department is going to check once they analyze the deal, as opposed to working only on the client's declarations. OK, so how does that work? Does the client approach their own bank and then you guys apply to all the others? So our service works best, our value proposition, as a home loan comparison service works best when we retain control of all the applications. We deal directly with the home loans departments in the banks. That's where the decisions get made. And we are in a position to negotiate based on competing offers to get to a point where the terms and conditions and the interest rates meet favorably in the client's best interest. So is that it? One application, multiple banks and you get the best deal? Pretty much. So our application form will cover all the bank's requirements. So combined with the supporting documentation, we'll be able to go directly to the home loans departments at each and every single back. Once we start getting quotes back, we start comparing the authors and then negotiate back and forth. We do provide feedback to the buyer so he knows exactly where we are and the multiple bank submission is also going to increase the client's chances not only of a better deal but of an approval in the first place because all the banks have got different credit criteria requirements. So we've discussed the application process and the outcome itself. What's next? I have many first-time buyers and it is quite a scary process for them. Yes, so at that point, once the buyer's bond has been approved and once we've accepted that bond, the bond attorney will get instructed. So the bond attorney represents the bank and we'll make sure that that bond is registered in the client's name. That process can take anywhere up to from six weeks to three months depending on a couple of variables, rates, clearance, this and that and then the property is registered in the buyer's name and the repayments begin from there. As with everything, knowledge is key. So cozy up, get close to your home loans consultant as soon as you decide to buy. We make sure you're pre-qualified. We'll make sure that you're aware of all the costs associated with the transaction and we're here to see you through right until registration. From the tiny seed of becoming a home owner all the way to a proud home owner, knowing the entire process and having gotten the best deal. Awesome Natasha, all of that really does empower the buyer to making the right decisions on their journey to securing a home especially using a home loan comparison service like Uber. Should we open the floor up to questions for anything that maybe we haven't covered yet? Yes, let's do that. We'd love to hear from you, our visitors.


Morning y'all day three at camp water clarity has improved. I'm hoping it was worth staying last night So we can go catch some fish. I'm going to be fishing till about noon today Did I got to get back to do some work on the chicken coop? I want to get that thing ready so that this weekend we can go get our chickens yesterday This was the key basically egg sacks and you stick them on the bottom. You got stinky bait on there Put a little split shot. I hope we don't have to end up doing that today But you know if you sit there and do that for like an hour or two, you might get your limit It's pretty effective and in the rough conditions, but in my opinion way more fun is the lures and You can really rack them up to like you're constantly casting in different areas and picking off fish I still think fly fishing is off the table because the water is still tea colored But a nice flashy lure putting out some good presents. I think these trout whack it. Let's get the waiters on They do have a hole in them. I think it's time for a new set of waiters, but we're gonna endure. Oh Yeah, water's looking better today y'all Buddy Lance is already down there Giving it some whips He's actually walked out to the main part of the river. So that means the waters come down another half a foot or so where we can Really access some of these other spots if you need another reel I got one What you lost your drag control It's unfortunate lost his damn reel handle. Oh I got one guys. I got one. I Got I got one right by Chris Right by his feet rooster tail Wow, what a little donker Gonna put little buddy in my pouch for a second. I Got to put him in my fanny pack for a second just for a minute I'm on a hot bite right here Eight inches are chomping Yeah, white and little chartreuse That's the first bite on a lure though. That's good sign Thank you come off All right y'all I'm gonna put this fish on my stringer got two bites landed one Landed the tiny one. Here we go. Tiny is tied up. Okay. I'm switched up to the power bait Even though the Sun's coming out. There's just a really specific spot right here ultra micro spot within a spot And I've gotten bit on my rooster tail like four times. I've only hooked up with well, I've had two fish on I've had two other bites that have just not connected Got him on the power bait There you go, buddy. I got bit with the power bait a couple times Wasn't successful on getting the hook up and I just said I can't do it. I Like throwing I like throwing the lures, but still I've had five bites on lures and I haven't landed landed them What it's a what? Dude I popped it out of a rock and the sucker grabbed it a drum Oh I snagged it. Oh, it's a red sucker. It's a sucker fish They got sucker hooked it got suckered Wow Catch of the day.  They're definitely not as good as a trout You went for that power bait little nugget on there Yep popped it out. I was snagged and then he grabbed it Ladies and gentlemen, this is a a red horse sucker A red horse sucker, I believe he's doing a little poop sash right there and You can tell that They are they're just made for Eating on the bottom. This is a called a subterminal mouth Right here.  So my lure was stuck on a rock and then He came over grab it. This is the This is a rare catch for me It's hard to catch these because basically just snagging them if you do They don't really eat anything But we'll let him go so we can suck all this mud out of the the river here Hopefully clean it up a little bit Have a good day sucker We're gonna take that sucker fish as it's a sign of the times we need to move water levels getting pretty normal It is cleaning up if you get on the right spot right lure So catch catch a limb quick I'm gonna give it another hour and a half and I'm cutting out head back to the chickens Okay, we got our little trout clean.  That's been the problem I had two bites in here.  That's all I got job I lost every good fish I hooked This is the only one that baited I mean if I still had them on a stringer, I'll probably let them go but I pretty much cleaned them right away I'll just have to be a little appetizer or something with another meal. We've got the tent We got a takedown which I love did I mention I love this tent how fast it goes down and up and packs away Even though I love my big canvas tent. It's kind of like this one Same people make this one kodiak canvas, but This one right here. It is the bee's knees. Watch me break this down tie me Pretty dang close to five minutes y'all. We'll call this a five minute tent my other one I don't set it up unless I'm staying there for at least three days because it takes An hour to set up. Okay, little guy Going in the go bag done put the cooler in here. We are on the road Ladies and gentlemen conditions have changed for the awesomeness Horse part is she's got attacks from lance And buddy lance said the trout are a munching now the water is cleared up Pretty much everybody's caught their limits in the time that I left And I've gotten back here and started working on the chicken coop. I came home and I I showed Osg my my really small trout And to be honest with you she wasn't really impressed She was she was not impressed by the trout. Anyway, we're ready to put in some work out here at the little treehouse homestead I got to catch you guys up on what what i've got going on on the chicken coop the chicken run I should say we are close to getting them winged friends in there and osg's out here just Killing the game killing the yard scape game. She's making a uh a beautiful flower bed around the trees We're gonna have a little walkway Leading to the chicken coop come out here get our eggs in the morning with our coffee say what It's gonna be good and you've got a nice new front yard now. It looks delicious. I know Did you tell him about the scorpion that I found? I did not no is it still there? Oh, no, I killed it. You killed it and you discarded it See if we already had the chickens around we wouldn't have no scorpions. They just munch on them things Just little savage velociraptors. We've made big moves over here in the chicken game y'all Check this out. I've got stained panels up. I've got three so far beam Complete all the way across We ended up going with a notch peg over here. It didn't work out so well over here The angle of the dangle was not correct on this post So I ended up just having to punt On my uh, you know, I spent all that time making that notch there and I filled it in with a two by four looks looks terrible But functional it's gonna work now. But look at this y'all head heights great I can walk right under it walking here the chickens be flying up hitting this They're fine. I'm just grabbing out of there bobcats come in boom They're going to get right in that gets snagged feet are going to be dangling chickens They're going to pop up and they're going to be eating their toes That's how it's going to go took some other two by twos put it up on the two by six to rest a little ridge Got two and a half inch deck nails just screwed them in working out nice holding up osg god bless her Her two hours away from from emi She's that's being baby sat right now and she's out here just getting after it True story though. I came home one time from a business trip And she had dug up an entire Huge circle it was like this big as big as a flower bed in the backyard And she was making like a fire pit I came home and like all the grass was gone. It was just it looked like a ufo landed in the center And it was just there. Do you remember that? I do I mean you got after it and then we had to haul the grass away because we just had like a mound We ended up dumping it in some river somewhere apologize So my goal for a day build a couple more panels for the run And I've already got one cut out. I'm going to finish putting the chicken wire on it We're going to complete This side right here and close that and we're when we get our new coop This tiny one right here. I mean this one holds like four chickens max But we're going to get a new one. We're going to lower it in right here And it's going to sit under there and then we're going to fully enclose the whole thing I wouldn't tell you what chicken wire Working with that all day. That is a good workout But we are done We're done.  Have you seen any babies so cute ready? I mean dinosaur rain boots with a valentine's day dress osg phase one of the new flower bed complete Looking quite good, honey. Thank you. Come on in and check it out. I'm excited for this. Let's go inside the cage Honey, this looks good. Oh, yeah It looks good.  Oh, it's perfect for me. I mean Yeah, me too Quality craftsmanship. Well, I don't know if I'd go that far with the quality But there is some craftsmanship. What's going on? So I ended up taking the two and a half inch nails Screwing these boards together because all of them are bowed, but now they're all connected flush Flush, there's no bobcat cracks in here fishing freaks. Go ahead and just give me a little like button I'm getting a like button from osg right now. She's going to make me some brownies.  I'm kind of proud of myself. I got to clean it up a little bit But our chickens are going to be safe. You're not going to have any more carnivorous foxes Chewing the necks of our chickens on the back deck That was terrible. That was terrible. Y'all. We definitely don't want that to happen again. So the hint of tentry It's getting there. We're we're halfway. What do you think about my little trout? What are you gonna do with that? We'll appetizer For you only proud of it Maybe for emi. There you go. It's an emi sized trout. Thank you guys for tuning in We're going to be finishing this up soon. So stay tuned because you know what happens next We're getting the clockers coming up later this week. We're going to be doing some early season Deep in the creek exploration with the crispy And seeing if the bass white bass any kind of basses are moving up there already with 78 degrees today Can you believe it? So i'm signing out y'all. God bless you. I'll see y'all in the next one