the same presentation of TFNN. The Tom O'Brien Show is produced every business day. Tom takes your phone calls toll-free at 1-877-927-6648, internationally at<PHONE_NUMBER>. Let's go to Phil in Puerto Rico. Hey, Phil, what's going on? Hey, Tom, doing great. Just wanted to thank you guys and the whole crew. Best content on the internet. Really appreciate everything you guys are doing. We appreciate you growling and prowling with us out here. Phil, how did you find us? I just typed in live training in YouTube one morning. Cool. I was looking for any type of live training room you guys just came up in there. Awesome. I look quality when I see it, or at least I like to think so, and I mean, you guys are just a dream. I appreciate everything you guys do. Welcome to the Tiger film. We appreciate you growling and prowling with us. My pleasure. Now, Tom O'Brien. Welcome, folks. This is Tom O'Brien of TFNN. We got five days a week. We go seven hours a day. We go 24 hours a day on the internet, at TFNN.com. Always remember, folks, whatever you think about, you bring about whatever. You focus on grows. Hope everyone's having a great day. Safe day to TGIF, folks. Let's make it a great one. Don't make assumptions. Ask for what you want. Find the courage to ask for what you want. Others have the right to tell you yes or no, but you always have the right to ask. Likewise, everyone has the right to ask you for what they want, and you have the right to say yes or no. Mockin' wise! Let's take a look at it out here. We have the Dow Industrial's down 277. Nasdaq's off 264. S&P's are down 50. Gold contract up $7.20, trading at 17.38 an ounce. We have Silver down 26 cents, $18.45 an ounce. Light Sweet Crew, where are you? Down to buck 52. Trading out at 94.81. Notes and bonds. The 10-year note, bottom line. These are on the move, top side, folks. You get the 10-year right now trading up a full point at 1.1929, the 30-year up a full point, plus 25 ticks at 1.4204, and the 10-year right now, folks, is yielding 2.77. We had a high of 3.4, it's 2.77. King dollar, this is gonna be the one coming into the close, man. And it's already gained back quite a bit, that's why you see this market going south. King dollar is down 198 ticks, it was down 550 this morning. Bottom line keeps clawing it back. We're at 106.712. The euro's at 101, the yen is trading at 136.16, and the British pound is at 119 to one US dollar. Our phone number's<PHONE_NUMBER>. If it's called, folks, I know what's going on in the VR world, and the world of the S&Ps, let's take a look at it. We're gonna go over to the futures because the bottom line is that we're either gonna go to hell in a handbag, coming into this close, meaning the right to the bottom of this 39.30, we hit 39.41 thus far. All bottom line, you're gonna run up to this 39.67. My take is that's what we're going higher. And the reason I'm saying it is that, so the S&P didn't get to test that low of yesterday. That being said, it's the NQs that run this market. And if we take a look at the NQs, the NQs got down to that level, rejected that level, and had light of volume. So let's pull this up. It's gonna be really tricky coming in here, man. So here's the number. Here's the bar. The bar there was 12,373. Call it right at it again. Bottom line, that bar there had 21,000 countertracks. We made a low out here today with 12,000 contracts. It just popped. It was the first pop we got all day, but you only had 9,500 contracts in it. So we'll see where this baby's gonna shake out. It's gonna be a wild close, man. That's the bottom line. Gold, let's go take a look at the gold contract, gold contract, and the equities had some good action out here this morning. A lot of these equities gave a lot back on price as did the contract. The contract got to 1755, right now you're at 1738, didn't hold price, big deal, couldn't hold price, no doubt about that. Let's go over to the note and bond mark, because we very well may have an ABC structure on the way up inside the note and bond mark, and if we do, it's gonna be amazing, man, because the aspect is that you have your next Fed meeting, bottom line is that, let me just get the exact date, I think it's the 27th. Calendar, yeah, 27th. But you can see this 10 year, man, this 10 year is going after B point, and the B point had volume of 1.6 million contracts, and guess what? So you're going into the B point with 1.6 million. That's telling me it's gonna break, and this is a monster ABC up too, by the way, okay? Your B point here is that 1.20 and a half, your A point is a 1.14 and a quarter, so what do I say, 1.20? Yeah, so it's six bucks, six and a half dollars, what's gonna get you to 1.24? 1.24 is gonna bring us all the way back, check, it's gonna bring us all the way back to March 15th, and if that's what you get, yeah, let me be talking about interest rates going down versus going up, and we'll see just how forward-looking this market is, because that's a twist, man, that's a twist, and if that's the case, now let's go look at his dollar, because the dollar is, you know, bottom line break and havoc on the marketplace, there's no doubt about that. It's pretty amazing that you only can get 400 point move, a tick move, so look at this, right? The bottom line is that you can see this morning at 10 o'clock, markets down, the dollar's at 1.06, 1.11, well guess what? You're at 1.06, 7.20, and the number, which is crucial, is right here, 106.792, and guess what? You know, we're right next to it now, and so we'll see how this shakes out in the next few hours. Some of the higher volume equities that we have out here today, you got snappers getting smoked, that's down $6.  Pinterest also down 280. We go into the NDX100, we take a look at the strength versus the weakness inside the NDX, and we have X-Lon is up 1%, you got Marbelle's up 8-tenths of 1%, taken away from it. What do we have here?  Our phone number's 877-927-664-8, oh, here comes the pop, man. You're gonna love these markets, man.  The bottom line is that when you have option expiration, when you get a downdraft like this, it's pretty cool because you can get into, whether it's the queues or the spies, and you know, they expire at four o'clock, and you know, you basically can hit them for not a huge amount of bread, and you know, bottom line, you're basically trading them, and because they expire so quickly, they're not a lot of money, and you know, you get movement, and as long as you buy them in the money, the movement's pretty quick. Stay right there folks, we'll come right back. Time of booming inflation, we are purchasing powers eroded, there's no better place to protect your harder and money than ain't gold. Vistagol's flagship asset is the Mount Todd Gold Project in the Northern Territory of Australia. This is Australia's largest undeveloped gold project. We are talking a world-class gold project in a tier one mining district. This is a large-scale, low-cost project with significant existing infrastructure and a politically safe and friendly mining jurisdiction. Vistagol just completed the Mount Todd Feasibility Study, which resulted in a seven million ounce gold reserve in a 16-year mine life. All of this combined with the approvals of all major operational, as well as environmental permits. This distinguishes Mount Todd as an attractive, dearest partner, ready development stage gold project. Vistagol trades on the New York Stock Exchange under the symbol VGZ. Are you looking for a way to consistently add winning trades to your portfolio? Tom O'Brien is here to help. Tom O'Brien has been successfully trading markets for over 30 years. A frequent contributor to TD Ameritrade Network and CNBC, Tom O'Brien founded TFNN over 20 years ago to help educate investors just like you. Tom's Daily Market Newsletter, Market Insights, is published every morning when the market's open to give you the competitive informational edge you need to succeed. These newsletters are packed full of Tom's advanced technical analysis and are geared to deliver comprehensive strategies for a successful portfolio. Get Tom O'Brien's newsletter, Market Insights today and try all of our products and newsletters 30 days risk-free with our money back guarantee at TFNN.com, TFNN, Educating Investors. Everything in the universe is governed by the Fibonacci sequence. This mathematical principle is responsible for everything from the most aesthetically pleasing artwork to patterns in the stock market. To stay on top of stock patterns you can take advantage of, sign up for the Fibonacci 24-7 newsletter at TFNN.com. When you subscribe, you'll get a weekly report from Veteran Day Trader Larry Pezzavento on stocks you need to pay attention to and you can trust Larry's analysis. After all, he's got 45 years experience as a day trader. Larry will also provide daily charts, videos and data on the key markets that he's tracking. Expect notifications from Larry on market movement you need to act on at any time. First-time subscribers also get a 30-day money back guarantee. If you're not satisfied, let us know and you'll get a full refund within 30 days of signing up. Subscribe to the Fibonacci 24-7 newsletter today, TFNN.com, Educating Investors. Toll free at 1-877-927-6648, internationally at<PHONE_NUMBER>. Welcome back folks. I'm Professor Julie Tomlbrand. We appreciate your ground and prowl with us out here. We have the Dow Industries down 193, NASDAQ is off 239, S&P's off 44. So how you been, man? Pretty good, pretty good. How about you, good? I heard you're buying a stock today. Yeah. Yeah, we're gonna buy a stock. Folks, what happened, you're gonna love it. What happened last week is that someone, is there someone email you or are they texting you? Somebody wrote on Facebook. Yeah, on Facebook, oh my God, that's hilarious. Okay, YouTube. So best is gonna buy a stock. Well, we're gonna get into that, but let's get to Phillip and St. Pete first. Phillip, what's going on brother? Hey Tommy, how are you? I'm doing great, man, yourself? I'm very good. Cool, man, cool. So, BNNLD, huh? Yeah, I wanted to see if you had any news on them. I've owned them for quite a while. Okay. The ticker just changed the other day and then it popped like today. Okay, so let's take a look.  Yes, as far as I know, yeah. Okay, so it has here that, you know, is exploration and development company in Australia and Nibia. I don't see anything here, but there's no doubt you get a nice pop from a dollar to a dollar, funny four out here. Let me just see this, okay, so. They were even less, they were less than that for the longest time. No, I know, I can see that. I can see that the, you know, the, yeah, there's nothing out here, Phillip. I don't know, man, but the good news is that, you know, you get an equity that was at a low and now it's at a buck 44, you know what I'm saying? Yeah, you know why companies just change their tickers like that? Because I don't want to be the bearer of bad news, man. But when you look at this, okay, so check this out.   You know, so, and their issue information, if you look at the issue, this is pretty wild, man. I mean, 2017, they issued 133 million shares at 3 cents. Then 2018, they issued 173 million at five cents. Then 2021, they issued 114 million at 10 cents. And then in April of this year, they issued 185 million at 22 cents. Yeah, so you get a crapshoot here, man. You have a crapshoot. Yeah. Maybe I'll close it out today. Right? Yeah, the sooner you can close it out, man. I think the better off you're gonna be. I mean, 68,000 for a year is pretty intense, right? Yeah. Yeah. How's everything else going, man? Good, good. You still biking? You going out this weekend? You still biking? Yeah. It's so freaking hot. Yeah. It's so hot. I know, I know. I found a nice parking temple last week. Oh, yeah, yeah. Which was nice. Cool. But if you don't go out early, you'll just have a stroke. Yeah, seriously, man, you need those salt pills, man. No doubt. Well, listen, man, it's always a pleasure, man. Thanks, Tommy. Have a great one, man. Have a safe one. All right, go ahead. So this company, they have no revenue. Right. And people are still buying it? Yes. Where do they claim it? Why should people buy it? The amazing part about the stock market is that you can get listed pretty easy. Okay. And that company that we've just brought up is on the over-the-counter NASDAQ, okay? So the way it works, as long as you basically send in the paperwork that you want, they'll list it. And then the key is just to market it and you're telling a story and you're supposed to be able to be making money. I mean, that's the reality. In that case, they're saying they're an exploration company and when you are an exploration company, you're never making money. I mean, I've had, I own Vista Gold right now. There's zeros right across the deal. I know they have an asset, though. Okay. The asset is a very large gold mine, but what does happen is that Vista needs a partner in order to develop that gold mine. I see. Bottom line, until you have that, you have nothing really, you know? But there's plenty of equities that have nothing and then there's plenty that are basically a pump and dumps, too. There's no doubt about that, you know what I mean? Yeah, no, that's just amazing to see. Just no revenue and people are so buying it. Let me tell you, when I see those up, then I look at TFA and I'm saying to myself, are you kidding me, man? It's like, yeah, you get the gish, right? It's like, are you kidding me, man?  Are you kidding, right? But that's how it works, you know? And there's plenty of folks that specialize in it, actually. So there must be some success stories, right? Yeah. Yeah. There's not a lot. There's not a lot. Not in that context. But they're out. And that's why that whole penny stock deal, that's why people do it. I mean, there's one out of 99. Might be of that Wolf of Wall Street movie. That's a beautiful, you know, yeah, example. Huge example. Huge. So it looks like everything's red, huh? Everything's red, man. Everything's red. But that's all right. What do we have left? We have a third of a lot. We've got 36 minutes left. I think it's going to stay red, but when I was just coming on, see the top one that says 31, 61? I suspect that's going to get to 31, 67, and we'll kind of see what happens at that point. And why do you think it's not going to be 67? Because what happens is that, you know I'm all about pricing volume, man. So check it out. Here we go. And look at this. And you're going to see, you get the pop, right? See this right here? That's the last place that we went down with volume where I got that. Yeah. That's, you know, that's 59,000 counteracts. That's the last time we came down with volume. So what ends up happening is that markets like to go back. That's where the buying and selling is basically even. You know. Now if we get, this is what's happening right now. This last 10 minute bot, folks, we got volume, man. We got 30,000 contracts, which is not bad. We're going to be going into that 59, though. So it's going to build a little clause here in order to blow it and blow through that. Hey, we'll see where it goes, man. What are you called? So real estate wise, right? Listen to this, folks. Okay, we're going to talk about this a bit because this is really a trip. I want to talk about the, you know, you went to that, the VA and FHA. Yes. So when you hear this for all you guys, veterans and women out there, veterans, this is really a trip, man. Yeah. I'm surprised I didn't know this either. Yeah. I knew part of it, but I didn't know the other part of it, right? This is crazy. So VA and FHA, there's a no minimum credit score limit, right? So according to the federal government, so these companies, when they're selling this, they put their own limits in there. Right. Because they're going to go out there and sell it so they just want better products.  Right. And that's going to be shocking, folks. We're going to talk about this when we come back, just so you can understand, you know, what Bessford just said. What he said specifically is the rules say there's no credit limit. And there's plenty of companies that say, no, no, you need this amount of credit. But guess what? We know because he just went to a seminar. We know that there are brokers pushing paper that are saying, okay, we don't need a credit limit. Yeah. Yeah. Pretty crazy. That's insane. Totally insane. Stay right there. Bessford and I come right back. If you want to take advantage of this sector, now is the time to subscribe to my Gold Report. The Gold Report is a comprehensive look at the metal sector, as well as the markets that move gold, which is the currency and bond markets. New subscribers get a 30-day money-back guarantee so you have nothing to lose. Every Monday morning, I publish the Gold Report with coverage of gold, silver, bonds, the XAU, HUI, GDX, as well as more than 30 different mining equities. To see for yourself the types of profitable trades that are recommended within the Gold Report, sign up now by visiting tfnn.com. Don't miss out on the next great gold trade. Sign up today. Sharpening your skills as an investor is like getting better at playing a musical instrument. You have to practice, sure, but you also need excellent instruction from experts. At tfnn, you'll get advice and guidance from the authority and technical market analysis, and it's not just dry, tedious text either. tfnn airs live financial content streamed live on tfnn.com and tfnn's YouTube channel with Tiger TV, every market day from 8.30 a.m. to 4.00 p.m. Eastern, for free. Each host is an experienced trader and gives their take on the market while taking calls and questions live from around the world. From the moment the market opens until the closing bell sounds, Tiger TV has eight different shows with expert hosts to help you make the right moves with your money. Watch online at tfnn.com or on tfnn's YouTube channel and become the investor you were born to be, tfnn. Educating investors. tfnn is excited about our new software charting program, The Art of Timing the Trade Charts. In collaboration with Tom O'Brien and using his best-selling book, The Art of Timing the Trade, your ultimate trading mastery system, David White has programmed an outstanding piece of software that will complement any trader's methodology. Using this first-of-its-kind program, The Art of Timing the Trade Charts allows you to scan thousands of stocks for Fibonacci formation setups, including guardleafs, ABCs, butterflies, and much more. The Art of Timing the Trade Charts is designed to help you when scouring the markets for stocks just beginning to form the trading patterns that many investors spend days, weeks, or even months searching to find. And right now, we're offering licenses available at only $79 a month. We are so confident that you're gonna love this new charting software that will even give you a 30-day unconditional money-back guarantee. Don't miss out on this incredible new piece of software. Get your copy of The Art of Timing the Trade Charts today by visiting TFNN.com. This segment is brought to you by Think or Swim. For more information, just click the Think or Swim banner on the front page of TFNN.com. Welcome back, folks, best of the time. We do appreciate you growling a problem with us. Now, we are gonna have a baptisman, folks. It is a baptisman by fire, okay? So let's show what's going on. What best of it did, folks, is put $200 into a Think or Swim account. Pull it over here, pop your pull it over. So we're pulling it over. You're gonna love this, man. Okay, and he wants to buy one share. We're gonna get this baptism done right, of Apple. So 154.31, we're trading right now. So let's see, 150. Okay, so I wanna just put 154.40 because it will give you the best bid anyway. It doesn't matter. Can you see where it says buy there? Down below? Where you order? Right down there, yeah. Hit review, okay. Now, place order, there we go. There we go. Okay, a lot of status. What does it say up there? I kind of look, see that fact. Limit order to buy one Apple. Okay, well, we'll tell you when it's done, folks, but he's on his way, man. It's good. Now, see what happened. Apple's going down, but we'll see what they get executed at.  This is it, huh? Oh my God, I'm telling you, man.  Yeah, first time buying a stock. Thank God, yeah. You're probably the only guy I know that buy Deutsche Coin and made some money on it, right? So you should see this office, folks, okay? The bottom line is that he's into Deutsche Coin. I'm saying, you gotta sell it, man, because he doubled his money, but he did. He sold half of it, right? Yeah, he sold it, got most of it. Oh, I got all my money back, plus some, and then I saw if you left that. Yeah, all right. You know, that was the summertime thing, yeah. That's right. So, here, let's get back to the VA deal. So, what's going on, folks? So this, there's a couple of different things happening.  Yeah, even the DTI, yeah. Right. And explain what the DTI is again. Debt to income ratio, yeah. So, most of the time you'll have around 45 to 50% of all your debt to income ratio. Right. Well, with VA, they allow it to go as high as you can. And so, what's happening, too, is if you're a seller and you have a house and you get a VA offer, you should really look into going to that because what happens is even if the appraisal comes down low, the government does whatever they can to help the veterans, you know, get that house. Right. So, they'll do whatever they can to get that appraisal up or higher so it'll appraise them, you know, you're good to go. Right. So, pretty amazing. It's wild. Now, let's talk about the aspect of the, so listen to this one. So, I knew that one, folks, okay? Because they changed that about a year ago, right? But this one here is a mind twister. And what it is, is that the actual rule, so, picture, when you're dealing with, you know, brokers or banks or whatever, they have to have their own rules. And what best was found is going to this seminar, right? Yeah. And this is a mortgage broker, right? A mortgage broker, yeah. The guy we know will get a new job somewhere else, okay? Yeah. That you don't need credit. That doesn't even make any sense. Yeah, though, I don't see it. But it's real. Yeah. Right. And even for FHA. Right. So, there's no credit limit, but most of them are going to have their own right limit that they want. So, what I'm thinking, and I don't know this, folks, okay? You know, but what I'm thinking is that, so when 2008 came about, the, like, I know the major banks, if they sell paper, they have to stand behind the paper. That's the bottom line. But there must be something else that, you know, even if a firm has to stand behind the paper, they might just say, hey, if they get too much paper that goes, I'll BK the firm. Yeah. You know, that's another way it can be done. Yeah, I guess it's who buys the paper, too, right? After these guys, so get the money. Yeah, I don't know who would buy paper that, you know, you get a 500 credit score of 450, I mean. Yeah. Right? I don't know. I guess there's people, so it's kind of crazy. Pretty cool, okay? Now, what is the USDA? Is that the farm loans? Yeah, the agriculture. Okay. So yeah, if you're in a rural area. Yeah. There's a program out there with, you know, no money downed. Yeah. No credit score limit either. Right. And they'll help you get a property to live in. And what has happened, folks, if you are in those areas, right? That has always been not hidden, but not as advertised as, you know, the rest of these loans for sure. Yeah. And they've always been pretty good loans. That's the reality. Yeah, I know. Same thing. I didn't really know about the USDA loans until about a few years ago. Right, right, right. So I guess because we don't really work those days. No, no, no, exactly, right. We're out there for sure, so. Right. And what does happen if you're in Florida? Now, this is where this gets really interesting in Florida. What happens in Florida is that you get the tax savings on a farm is astronomical, man. I mean, it's a big number. Now, what you have to do is, you actually, it's a ranch actually, you just turn around and put a cow on it, right? It's a cow. I think you need two cows or something. Yeah, couple of animals. It's something that's really small that the, so what the playbook here is, is that you'd buy it the, and you're putting the two cows on it and you're getting in the way of development. So if you have the linears of the world and the Toe Brothers coming towards you and you think they're gonna be there four, five years from now, which happens in Florida, okay? The bottom line is that, what ends up happening is that you're just doing that in order to sell it to larger builders. That's kind of how that shakes up. Yeah, that's what's happening here in the East of Tampa, right? Yes, oh, there's no doubt. There's tens of thousands of new homes. Right, well, right where Tommy's living, I mean, he was explaining it on the show is that, I mean, you got talking about thousands of houses that are being built right across the street. Yeah. And what does happen, this is what does happen. The way these deals only get put together is that you sell a big portion of land and then you have DHI, you have LUNA, you have Visa, they all take a piece of it. That's how that works, okay? Because what happens is you gotta build the infrastructure first and they're all kind of in the little bit different market, meaning who's selling it, the 300,000, 400,000, who's selling it, the five, and told Brothers would be the biggest, they're selling it at seven or eight, you know what I mean? Yeah. You know, that's, yeah. Yeah, plus having more people build around there, that's right. It's very quickly. That's right, that's right. Because they gotta build out the stores, they gotta build out everything else simultaneously, okay? And yes, they gotta build out the roads. And there's a question with Duffy, is it, are they building out the roads to handle increased traffic? In Florida, folks, I've been in Florida for 25 years and it just doesn't stop, meaning the building of roads. We, the roads are huge, they build even bigger ones and on a continual basis, that's how it works. I mean, now the bridges, they're doubling the bridges right now from Tampa to St. Pete. Yeah, I mean, yeah, I've been here 20 years soon, construction never stops. Yeah, it just doesn't stop. It's always on, so that's the beauty about Tampa Bay. Yeah, no, there's no doubt. We have some pretty good roads. Well, we do, we definitely got some good roads. Now, what does happen is that it is turning into, they're both turning into major cities, which turn into a mess. If you're going to work, you know, at nine to 10, eight or nine, seven or eight in the morning, coming back at five, you don't wanna be doing that. No. You just don't wanna be. That's how we stay late every day. Yeah, exactly. Exactly, that's right. There's no doubt, there's no doubt. Stay right there, folks. Bess and I are coming right back. We have the Dow. The Dow industry is right now, down to 189 to get the Mazdaq off 240, S&P's off 44, we'll come right back. Vista Gold owns and operates the largest undeveloped gold project in Australia, the Mount Todd Gold Project. Vista Gold just completed their feasibility study, resulting in a seven million ounce gold reserve. Vista Gold has all major permits approved and has retained CIBC capital market assistance in evaluating alternatives and in completing an accretive transaction. Vista Gold trades on the NYSE American and TSX under the ticker symbol VGC. Vista Gold executing a strategy to create shareholder value. TFNN has been your trusted source of analysis for bonds, metals, stocks, commodities, and options for years. And we are happy to announce that we are bringing that same caliber of analysis for the Forex market. Teddy Keckstat has 30 plus years of experience in Forex trading, commodity risk management, Forex hedging, volatility, and so much more. Teddy releases his weekly Tiger Forex report every Monday morning with elite coverage of all major currency pairs, including the DXY, Euro dollar, pound dollar, Aussie dollar, dollar yen, dollars Swiss franc, and so much more. 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Well, we got the foreign national as well. Okay. So if you're a foreign national and you don't have a green card or a passport here, citizenship, you can still buy a home as long as you have the individual taxpayer number from the IRS. Okay, right. So you can still get a loan as long as you pay your taxes. Yeah, right, they'll give you a loan. Right. It's pretty cool to know. Yeah. Yeah. No, there's no doubt, there's no doubt. Now what's the investment there? You can buy investment property. So this one, so what happens, a lot of people with 1099s, they write everything off. Yes. And you look at your tax returns that they make any money. Right. But they have these programs where they look at your bank statements right past year or two years. Okay. And based off of that, they'll give you a loan up to 90%. Right. Loan to value ratio. Now what was OCK saying bank? There were, I believe up to 75. They were 25%. Yeah, 25% down. So pitch this folks, we do business with OCK bank. And that's the development bank, it's a commercial bank. And it is pretty cool, man, how this works, right? Yeah. Because they, and what happens is that no matter we are in the country, if you're looking for something like that, you gotta find a bank that holds their own paper. Yeah. Cause that's what ends up happening. A bank that holds their own paper, if you're looking for a longer term relationship, I would suggest that's where to go because what happens is that they get to know you and now in this case here, what we're talking about is it doesn't matter whether they know you or not, they will lend you 75% on the investment property. You're putting 25% down, kind of no matter what the numbers are, right? Oh, we're not with no matter what. I'm just saying that the numbers have to work. Yeah, yeah, the numbers will have to work, yeah. But you can still get it done. So if you have a good deal, you can make it happen. Right, right. Yeah, and this is big too on non-conforming condos. Oh, so listen to this. You get a lot of those where- You do get a lot of these. Traditional lenders will not lend you all these properties just because they're not functioning well. But these guys, well, as long as you can get the rent to cover the payment that we- Yeah, no, hey, check this out, man. If you happen to be in Florida, this is a monster deal. And you own a condominium. Oh, you're thinking of buying a condominium. What you wanna do ASAP is find out what your reserve clause is and how much money's in your reserve clause. Cause what I've found, I was on the board and I purposely went on the board because these guys are so screwed up and basically got it straightened out. But what happens is that there's a new law because of that con- We had in Florida folks over in Miami, right? This huge condo came down. And what happens, unfortunately, in all these condos is that you have people that have owned them for a while. No one wants to come up and fix them. I have no idea why that happens. That's like insane, okay? Because you know, folks, when I was a kid, one of them, I never could understand why you're gonna actually depreciate property off. Property has to be taken care of on a continual basis, man. All the time. A 20-year depreciation is a real deal. If you don't put money into your property and take care of it, guess what? You don't have a freaking property at the end of it. No. Well, what happens is that there's a new law. Now, this doesn't go into effect, I believe for another year, right? Yeah. They're letting it catch up. But it's extensive and what it is is that all these condos are gonna have to catch up and have a full reserve and that's not gonna be easy. And I suspect what you're gonna see is that condos are gonna be discounted in a very large way, some of them, because of the fact that they don't have enough money in...  They're gonna go up dramatically.   And then there's a ratio and every year, you have to know how much shot they are in the ratio and pay attention to it because it's gonna be a big deal, man. Yeah, no, that's gonna be huge where every condo now. Every condo. The community has to have the right reserves. Right, and I've seen enough of them that I suspect the fee will go up like 50%. It's not, you know, this is what ends up happening. If you have time, it's not hard to get it done. Like when I was down in Indian Rocks, okay, beautiful place, but the bottom line, they were upside down. And the first time, I remember I says, no, I was saying we gotta go up $50 and the bullets fighting like crazy. It finally went up $50, right? And then the next year is another $50, they're the same thing. Well, bottom line, it ended up working out.  Okay, and you know, what you do have, you have plenty of folks, you know, in this particular case, there were plenty of folks that owned it for a long period of time, you know, and hitting them with a buck and a half at the beginning really does not work, okay?  And that's what ends up happening. As soon as you get a full fee, I mean a full, you know, bank account, you're in good shape. So what happens is you just pitch it to break it down. To break it down, if your roof's 20 years, well, the bottom line is that, let's say, then this condo here, the roof would have been like four, 500,000, okay? Bottom line is that you're gonna break that down, divide it by 20, that's gonna go in the deal. Pavement on the outside, whatever the payment was. You take that, you break it down, do it by 20. That's how you do it.  Yeah, and then just your property's gonna be worth more. Any property's more worth more. I mean, that's all you're doing is investing your property. Right, there's no doubt about it. So it's pretty cool in the basis that it'll save, well, safety-wise it's really important too. Well, you can see the bottom line is that that condo folks that went down, unfortunately, and all those people passed away, they were negligent, man. They were flat out negligent because what they did is that they said no, no, no. And on the reports, okay, on the reports, they had that the steel structure, the cement, was falling apart. That had been a year and a half before it happened, okay? And when you're, Florida itself is a tough place with water, but when you're on saltwater, saltwater folks can take you apart in two seconds, okay? It's like water is a real estate owner's worst nightmare.  Just a tiny little hole, man. Well, it just happened to us at the office, yeah. Right, it's pretty destructive what it can do. And if you have it, get on it like ASAP because the bottom line is that you can run into some big problems out here.  He's in Coltel, California, here, where is it? Where do we, he got executed and Duffy, he did, it's awesome. Duffy, one of the Tigers put in what it was trading at and they can see what a trade, 154.29. That's what he got out of there. You're off to the races, man. Holy cow, I love it. Stay right there, folks, we'll come right back. We have the now. The now industrial is trading up, no, trading down 195.  The technology around us is changing every day. With so much happening, it can seem impossible to keep up with all the information. David White's investment newsletter, the technology insider, is designed to give you all the information you need to understand the technology that shapes today's markets and tomorrow's future. David White has made his living staying on the cutting edge of technology. His weekly newsletter will give you specific recommendations for value tech stocks, as well as entry prices, target prices, and stops to set for each trade. 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Expect notifications from Larry on market movement you need to act on at any time. First-time subscribers also get a 30-day money-back guarantee. If you're not satisfied, let us know, and you'll get a full refund within 30 days of signing up. Subscribe to the Fibonacci 24-7 newsletter today, tfnn.com, educating investors. Don't forget, you can listen to tfnn, live on your mobile device 24 hours per day. Go to tfnn.com, then hit Watch Tiger TV. That's tfnn.com, then hit Watch Tiger TV. Welcome back, folks, to down investors right now, down 189, NASDAQ's off 243, SAPs are off 44, now check this out, best of all, this is pretty cool. See the Tigers then? Duffy is saying a $1 investment in Apple in 1990 is now worth $335. Wow.  You might be able to retire in that one chance. Yeah, you never know, it's pretty crazy. Let's see how long Apple's gonna be around. Yeah, the good news, Apple's gonna be around forever. I mean, that's the bottom line. Things change, folks. We know that things change, but the bottom line is gonna be around forever. Yeah, when I was looking at GE, right? GE was the biggest company at one point? Yeah. Where are they now? GE's a dead dog. Isn't that sad? Is GE owned by a Chinese company? Well, listen to this. This is where Bestford's getting at is off of me, because what happens, folks, is this. He knows that I bring stuff in from China. Now, the sickest part, folks, listen to this. You could bring in GE's now in China. Well, the appliance is owned by the Chinese. Okay. So I could buy a whole container with GE's, and actually people would think that, oh, this is an American product. Well, it's no longer an American product. It's pretty crazy. Isn't that weird? Yeah, no, that's weird. Now, look at GE here. Now, the reason this looks like it's so big, watch this, let me bring this back. This has been a bad scene, man. Look at this. GE up there, $465. It's $68. Wow, yeah. That's pretty crazy. They blew it. $2,000 was the peak. That's right. That's right. They blew it. They got it to every business, and they thought they were God. Guess what? So they just expanded too much, huh? Yeah. So they're focusing like apples. They actually, they got into mortgages. They got it to everything, man. Do they do phones or no? No, no phones, no. Okay. And when you look at it, it's sad, because GE, jet engines, locomotives, I mean, they had it together so dramatically. It's just unbelievable. And then, guess what? Just too much. Wow. Well, that was quick, wasn't it, man? Yeah, that was quick. Unreal. Send your questions in for next week, folks. Bottom line, always remember to back and call your hot out the book and rent you over and thank God. There's always another trade. Have a great weekend, a safe weekend. Come back and visit Tommy Monday morning.  Thanks, brother. Ready for a brawl? Oh, yeah. I can't, I can't make a brawl with it.


And I wanted to lean into this conversation because it made me really think about what does a commitment mean? What does a promise mean? When two people engage in a relationship and they make certain agreements with one another, do they keep these agreements with one another? Because quite frankly, how can you build trust with another person if you can't keep your agreements? Now, when a man is genuinely in love with someone and he makes a commitment to them, his word is his bond. Oh, let me backtrack when I say this. When an emotionally healthy man makes a commitment to someone, his word is his bond. Meaning that when he says the words I love you and he's expressed an agreement to be monogamous and exclusive with you, he's not going to break that promise.


Just chilling here. I'm sitting in my car waiting for someone to show up at this coffee shop. What am I doing here? You're not gonna believe it. Well, okay, let me explain. Once it all goes down, make sure it happens correctly. It is 445. I'm gonna go for a quick run and then meet this guy and hopefully all goes well. Good day for a rainy run. There's the rain coming down. Okay, so you're probably wondering what I was meeting this person for. Shoes. Shoes. I took a risk. This is a risk. I like taking risks as you've probably figured out. If you've been watching for a while, buy me some Hoka Clifton's. Hoka Clifton's. There they are. I've never done this before, but like I said, one thing I didn't mention this already, True Love and I, my wife, Bridget and I, we are on a tight budget. And these shoes brand new, I believe around 120 bucks. That's a lot of money. It's a lot of money for a pair of shoes that you're only gonna wear for, I can go through a pair usually in about two to three months. So we don't have that kind of money right now. So I went on Craigslist. Let go. Let's go. Let go. Let go. Another app like Craigslist. And then I actually found these for the first time I used Facebook Marketplace. So these were, I talked them down from, he added at 50 bucks and I'm like, oh, come on. Now the guy, I just met him. His name is Philip, great guy. I trusted him. He said he only wore them twice, put about 15 miles in them. And he just didn't like the fit. Didn't like the fit. Now I have already worn this model of Hoka before the Clifton. And so I'm very, very excited. So I'm excited and they're gonna go to good use. And yeah, he put 15 miles on them. So they've got a lot of mileage left. I bought them for 30. I topped them down 20 bucks. So not too shabby to go from 120 bucks, brand new to putting 15 miles on them, talk them down to 30 bucks. We'll take it. Let's go home. We're on a budget, people. We're on a budget. Seth, are we supposed to be hanging out on the coffee table playing with mama's stuff? Mama's kitchen stuff? Yeah. What are you doing up there? Remember what I said last week about toys and the children, if they don't clean up after themselves, that they're going to good will, or in this case, going in the trash. I'm sorry, we're done. We're done picking up after the boys. These are going in the trash. It's Monday. I did not forget the comment of the week. I didn't forget this week. All right, we're getting back on track. Like I said, to all the new subscribers, every week, I give a shout out to the best comment in the previous seven days. So we're going to dive right into it. So if you take the time, write out a great, well thought out comment, you're going to get a shout out for the comment of the week. And this week, it goes out to, well, it actually goes out to two people. I couldn't decide. You're just, it's too good. So on the blog titled, I'll try and link it up here, so you can go see the comment. Uh, you are our people. Cindy just, okay, this is in connection to the coffee discussion, which gives more shout outs to Damien and Carol, but Cindy just had some great, I can't read the whole thing because it's, it's long, but she did write this about coffee at work. The lounge at work poses special challenges. Some like weak coffee, some like strong coffee. Yay. To satisfy those who like weak coffee from the bun machine, I pull the pot out and catch the first strong coffee that comes out right smack into my special turquoise fiesta wear mug. And voila, the rest of the coffee is for the weak coffee lovers. Cindy, I would be right behind you if not fighting for that first position. I must say. Um, so anyway, I can't read the whole thing. Cindy, it's an amazing comment. Go check it out, upper right hand corner. And then a shout out too. And I think this is her first comment of the week. Let's see if I can find it. Alex love you. Alex wrote on the vlog, which vlog was this? What's happening behind me? So once again, go check that out. Alex wrote, and this was in connection to the little reflection I gave about keeping life simple. She wrote keeping life simple exclamation point. Amen exclamation point. Thank you for speaking about how important family is and not overdoing it on activities, sports, etc. Sometimes I feel guilty that we don't do more sports and things, but I completely agree. The family is a nuclear nucleus of the society. I really love when Joseph is telling you all the ways he can use his water bottle. Kids think of so many things. He's so cute. Alex, thank you. You get a comment of the week as well. Thanks for commenting, everybody. Um, I'm going to stop the block here. I know. Gosh, continue to bear with me. I'm trying to find that balance between work, running, family and vlogging and taking care of the house. I still need to paint the house. It's like, there's a lot to do in this world. So trying to keep these blogs a little more concise. That's why I haven't been filming all day, but more like the last five hours basically once I get off work and then to now. So thanks. Thanks. Thanks. Thanks. See you too.


The urgency of being in a life-threatening situation kind of led me to the point where I would say, get your stories out there. There is no better time than now. Artless kind of came into my life where I was really in a dark and scary place. They were a part of returning to life and my life as a creative and as a director at the time. My relationship with Artless began. One of their team members saw my portfolio and basically scouted me to become one of the directors that Artless enlists to create original footage for. And my first production for them was planned for a specific time during last year. And I got diagnosed with cancer a few months before that was supposed to happen. And Artless was the last thing I booked before I was diagnosed. Being diagnosed with cancer at such a young age, I was 32 at the time, was a really heavy blow. I was very worried about being able to go back and do what I love. At the time I couldn't even stand for more than five minutes. I was in a situation where I didn't know if my life was going to continue, if it was going to continue. Had no idea how I was going to come out of it. At the same time, there was this urgency that any life-threatening disease kind of put you in where you understand, okay, this is it. So Artless was one of the things during that difficult time that knowing I have this production coming gave me a sense of urgency to create and urgency to get back to my life. When I returned to creating after being so stagnant and not being able to move or do anything for such a long time, for me it was literally coming from dark into light. So it really felt like a rebirth of sorts. And with Artless there is this trust and this room for creative freedom that I had. So a lot of things just felt like I'm alive again, I can create again, I can be outside. Having my footage available at such a large scale for so many people is something that I'm really happy with and I want people to have the ability to access high quality footage and tell their stories. Going through the disease that I went through, that time in life taught me really honestly the only time to create is now.


Every version, the UH-60 Mike version hits the combat if you have combat on the ground. We're going to talk about safety and then we're going to do some drills. Helicopter needs to go out, always move in the corridor. The rotors, get it. So, and that will be basically the afternoon. And if you don't mind, I'm going to ask you to walk something that looks like this. So, we have two helicopters for the right-hand circuit. We're going to go back. Yes, so, exactly. And if we can divide your troop in an equal amount on each side. Right side. Alright, so what we need to do is, once conditions are set. Alright, and then we're going to have second squad. We have first squad right here. Then we're going to push third squad into this tree line here. Second, in the reserve. Alright.  We got eyes on them too. Yeah. Got it? Yep. Left side doesn't care. I don't care where your team's at. You're going to be on the left side. Go.


KubeCon is an amazing event that brings up many different things and ideas, and a very new idea is something I've just heard from Maria Ashby, who's a developer advocate at BOTCube. Maria, what is the deal? Fashion is passion in smashing KubeCon. What do you got going on? I have an idea to start this thing called KubeCon Fits. I want to highlight developers and see what they're wearing. For me at least, every conference is an opportunity to show off what I want to wear and what's special to me. I'll be wearing my alien pants and I'm just excited to see what brings people to KubeCon. Very, very good. With that in mind, what kind of vintage KubeCon swag will you be wearing? Pins, stickers, you name it. There's always something different that's going on, but I think these are one of the cool things that people can enjoy of this collective experience. Apart from that, in terms of the tech side, in terms of talks that you're looking forward to, I know you're going to be spending a good amount of time at the BOTCube booth, but is there anything in particular you are looking forward to? Well, I'm trying to be an RBAC early this year, so I'm definitely going to catch the RBAC to the future untangling authorization Kubernetes talk. Very, very good. RBAC is something that a lot of people identify as one of the trickiest parts of Kubernetes, so I look forward to hearing more about your experience there. Anyway, Maria, looking forward to see you in Amsterdam. In the meantime, take it easy, and I got to start working on my fashion, so I'll be off with that. Take care. Cheers. Bye.