I am literally gonna be checking out every single girl that we come in contact with every single girl walking past us I cannot imagine what she's gonna do. Basically, this is a death sentence What I was looking at she's cute What are you looking at? Tell me she did not look back on me. Are you joking? Stop! What is good about the squad and welcome back to our channel. As you can see we just got back from the gym We're gonna go as hard today at the gym because Mariah's got a touch-up with her lips And she has to take it easy on herself But next step in our day-to-day routine usually is going to Starbucks and we're at Starbucks right now And recently I haven't been wanting a pink drink just because we've been drinking our protein shakes But today we have a lot of filming a lot of things to do. Wait, are you getting a pink drink?  I know but I need energy today I need like liveliness and you like that as we had one pink drink in the past month Yeah, order really quick.   We're actually going to Utah We'll be in Utah tomorrow morning. So do you know who we're visiting? I don't know. I don't know what you think because we're not gonna mention it at all If you know your youtubers, you should know who lives in Utah or her just moved to Utah Yeah, that's a big hit right there. I feel like that's like a text. It's like Utah, you know, yeah What are you looking at like that? Who are you smiling at like that?  They're literally taking forever Freshly to work with the whole line. I know guys. I got my pink drink and we're having a little discussion after this I caught Bill and what's that good quality was that good quality? Looking back. I just caught you an HD In high definition Look at us Guys the rules are I can look but I can't touch right? Okay, so so that means the same for me I can that that's not But anyways guys we just got Starbucks they literally took them forever we hung up the whole line The days were great for us, but whoever was behind us. I'm sorry All right, what is your mom's welcome back to our channel? I bet you're wondering where's Mariah where'd she go? So we actually went home. We got ready. Well, I got ready Mariah takes forever to get ready She's still gonna be another half hour. She has to do her hair Curly do whatever she said she needed to do but I'm currently taking our cat snap to get his nails trimmed And the reason I have to go without her is because it's 1 30 and this place doesn't accept walkings after two So I just decided to take them by myself right snap. Look it. I had him strapped in I had the seatbelt around here So if you're wondering like why he's in the front seat I have the seatbelt secure in them, but snap you're about to get your paws trimmed. Are you ready? He's such a good cat guys like when we're in the car like he does not move at all And he's so super chill even when he gets his nails trimmed like apparently like every time he gets his nails trimmed The people always say that he does not move and he's like the chillest cat ever But besides that today as you can see the reason why you clicked into this video I am going to be checking out other girls in front of my girlfriend And basically this is a death sentence if you have a girlfriend and you're the boyfriend doing this My girlfriend is going to freak out just seeing how she reacted to me checking out the Starbucks girl I cannot imagine what she's going to do by the end of this video when she realizes I am literally going to be checking out every single girl that we come in contact with every single girl walking past us If we go out somewhere run errands like literally I'm just going to be trying as hard as I can to get her to see me looking them down Now I don't want to do this for the record disclaimer Mariah if you're watching this I am not going to enjoy this video at all the only thing that I'm going to be enjoying and the only thing that you Guys are going to be enjoying is getting her reaction to being pissed because you already know Mariah is going to be hella mad We've been dating for four years guys We don't look at other people like that and the fact that I'm doing this this is just it's going to be a crazy reaction guys This video is insane make sure to give it a thumbs up team bill have to come back after Mariah pranking me twice in a row and Today's the day so I hope you guys enjoy Thank you so much for watching this video and now I got to take snap in and then we're going to go to Mariah and start checking out other girls I'm going to get creative with this video So make sure to watch this video all the way through because you're not going to want to miss out any point of her reacting to this We're home Me and snappy Oh, you look good Wait, hold up. Do a turn around do a turn around. Oh my god I saw a similar girl wearing something like that walking by the rush house over there. She looked pretty good But you look you're extra Extra no, she just had like that pink and that pink and yellow Spring by Hey, I'm just I was just saying she just looked decent snap got his nails trimmed and do I know what she says she literally said That snap was literally the best cat. She's ever had she's really because she didn't remember She didn't remember him. I don't know if it's different girl She was like, I don't know so after she took him back literally like five minutes She's like, oh my god, this is the best cat ever his collar everything fell off Luckily they found this I was about to leave and then they like said that you lost that He's so excited. He hates going in the cage But we gotta put this we gotta put his collar back on okay, let's put this collar back on snap Did you take your collar off? Nobody's gonna know who you are Every time we get back from getting his nails trimmed he just goes and hides so he's probably gonna go under our bed I know he's traumatized from the 10-minute experience of the cage what Oh why say less I mean come on it's not a date in the marble household without Mariah getting some Instagram photos Maybe do a little nip flip, you know for the camera guys follow us on Instagram.  Make sure to keep up with our posts like them comment them We also do post notifications out of also from our Instagram. Yes, so without further ado All right, so we made it to the picture spot Mariah made me change my shirt because a Parallel I already took pictures in that shirt and I can't take pictures in the same shirt twice And I wanted to match which is another reason why Mariah buy so many clothes because she has to wear something different in Every single picture Guys savor this because you won't see it again. Let me just tell you that I know the storm's coming and we don't have much time So, okay We're basically gonna be here for the next half hour taking a thousand pictures The lighting actually like it's Mariah like I said follow us on Instagram because oh my gosh Just taking these like pictures right now. They look amazing. We're taking Instagram pictures and here's behind the scenes You're not gonna be able to see the final photos until you follow us on Instagram So go do that right now.  I'm gonna do it in like a slide or something dude I just saw someone walking Okay Let's just take these pictures you're taking forever I bet All right, I don't know if you can guess where we are But this is a place that we literally come to every other day. We are back. We just came here what yesterday or two days ago I don't even know when but we're in target right now. And of course we're in Mariah's favorite Which is the makeup section. I don't know why you think you need so much I because like there's something on tiktok that Madeline sent me. Oh my gosh You need to stay off the few page tiktok is making me go bro What what I was looking at she's cute What is that bad is that bad to say why do you keep doing that like saying I was just wondering my is this I was saying like she I was wondering is that what you're looking for? Are you looking for that right please? Because I feel like your face should be up on one of these billboards like come on She's like just as pretty as you are you should be up here, too. I'm walking you should that's a compliment That's a compliment right you see it's a compliment for you to be as pretty as her come on Or she be as pretty as you it's the same thing, but I'm not saying she's pretty I'm saying you're pretty because she's you want to you get what I'm saying, right? Look at she has lip you can tell she gets lip filler and stuff too Cute right no, okay. Anyways, we're gonna be shopping around for a little bit And I'll let you guys stay tuned if Mariah finds what she's looking for because it took her 20 minutes To find this aisle all right guys, so we just got out of Target and it's raining after 20 minutes Plus of looking for whatever the heck Mariah was looking for So we went out there empty-handed for her but our books round to question mark I'm like dad don't like coffee. No, it's actually really good. I mixed it up. It's like a karma macchiato It's not bad Who are you looking at? Bill stop all she out of a dog Jesus why is you looking back at me? Tell me she did not look back at me. Are you joking stop?  It's not funny I'm exposing you right now because this is messed up. Oh She's looking at you. No, she was not even looking at you What don't touch me. I'm just gonna catch a peek. You're trying to catch a peek. Is it that bad? I mean, I'm just a guy. I'm just a guy doing guy things. Okay. She Did you see her looking at me though? She was like can we stop for a second. We connected out. Can we stop for a second? Why is this funny to you? Why do you think this is a funny game to play? Commenting about girls and that's not like you so why are you doing that?   I'm sorry. I'm sorry. I don't want to look at girls. I'm done. I'm done. No, I'm done with you No No, and I want to get away from you for the evening cuz this is a mess up I want you to think about your actions because that's not funny Can you put the camera up so I can say something really quick? What do you want to say the most fun that you're checking out other girls and you're That is exactly what I'm doing.  Didn't you know? My goal doing it over and over Video asking you hey, are you pranking me right now cuz you don't act like that?  I had to get you back from all the stuff that you've done to me Look at she's not even talking. Look at her face. Don't even look at her lips. Just look at the whole face How do you feel about getting pranked I don't feel It's coming back Mariah's coming back Okay, you're not allowed to say team a ride in this video. Hey, you're not Mariah Okay, I'm taking over I'm not even supposed to be filming and driving you're gonna give us in the car guys now No, I don't care. This is my video. This is my video You will not say team Mariah in a team bill video because team who came back today. Thank you guys so much for watching I hope you enjoyed this video Guys give this video thumbs up, please every thumbs up is just one more like better than Mariah Wait, I want to try to beat all Mariah No, get this more likes than comments everyone like this video up and thank you so much for watching I hope you enjoyed make sure to subscribe to our channel, but before we leave I do have to give a notification shout out in Mariah. Is that can you do that one thing for me? So I don't have to be on my phone and vlogging at the same time while driving Sure, Bill anything for you today anything for the prank King this shot up goes to May Batman Thank you so much for being a part of our may Batman. Thank you. We love you I just want to say the King is always bigger than the Queen There's never a time when the Queen is bigger than the King think about it a King a king in chess But it's so bad


Welcome and thank you for watching this tutorial on how to apply to Ohu's University's master's program in English. In this video, we will cover admissions requirements including how and where to find your admission requirements, what type of documentation you must upload, the online application form and what to be aware of, how your application is processed, and finally we will briefly cover how you apply for scholarship or tuition fee waiver. Be prepared to apply. You will need to first check the admission requirements for the program or programs that you wish to apply to. Second, gather all the required documentation and prepare it for upload. And finally, you will need to complete and submit the online application form. You can find the admission requirements for your degree program of choice at masters.au.dk. We will show you examples of this in a few slides. Also at masters.au.dk slash admission under application procedure you will be able to find a documentation checklist. Later we will cover how this checklist depends on which program you are applying to. The application is done entirely online. You do not need to mail or email any documents. The link to the online application form is also available at masters.au.dk slash admission under application procedure. This will also be covered in more detail later on in the presentation. Overall, there are three types of admission requirements that you should be aware of. First of all, you must meet the general admission requirement. In order to be admitted to a master's program at Olhus University, you must have completed a bachelor's degree. Your bachelor's degree must be relevant to the master's program that you are applying to and it must be recognized as equivalent to a Danish bachelor's degree. Secondly, you must meet the specific programs and missions required. Typically, you must be able to document that you have passed 60 to 90 ECTS within specific subject areas during your bachelor's degree. And thirdly, you must be able to document your English language proficiency or that you live up to one of the exemptions. We will now cover both the specific requirement and the English language requirement in some more detail. We will start with the English language requirement and then return to the specific admission required. Most students will need to submit either a TOEFL, IELTS, or Cambridge test. The required TOEFL score is 83 and the required IELTS score is 6.5. Depending on which Cambridge test you have passed, different grades are required. You can find detailed information at masters.au.dk.admission. There are few exceptions and some students may not need to submit a language test. The most frequently used exception is for students who have studied in an English speaking country. Please note, however, that not all English speaking countries are included in the list. Many of you may be familiar with the European Credit Transfer System or ECTS. But for those of you who do not know the credits used in Europe, we'll do a quick introduction before we go into some examples of the specific admission requirements. ECTS is an abbreviation for European Credit Transfer System and the system is used widely in Europe. A bachelor's degree in Denmark is three years in duration and you must obtain 180 ECTS in order to graduate. A master's degree is two years in duration and you must pass 120 ECTS to graduate. So to graduate on time, you must pass 60 ECTS per year. You can see a few examples of how you can convert from local credits to ECTS. If your bachelor's degree is four years in duration and you must pass 120 credit in order to graduate, then 30 local credits equal 60 ECTS. If your bachelor's degree is three years in duration and you must pass 240 credits in order to graduate, then 80 local credits would equal 60 ECTS. You do not need to calculate the conversion yourself. This will be done by the admissions office, but as you consider whether or not you meet the admissions requirements, this information can be helpful. Now returning to the specific admission requirements, we have chosen four degree programs from four different faculties to show you as examples. First, the MA in Human Security offered by the Faculty of Arts. Second, the MSc in Economics and Business Administration offered by OHUS BNS. Thirdly, the MSc in Computer Science offered by the Faculty of Natural Sciences. And finally, the MSc in Mechanical Engineering offered by the Faculty of Technical Sciences. If you wish to apply for admission to the master's program in Human Security, you must have a bachelor's degree. In Social Science, Environmental Studies, Biology, or some other related field. You must also be able to document that during your bachelor's degree, you have covered the equivalent of 90 ECTS within the subject areas of Social Science or Environment related studies or Conflict related studies. If you wish to apply for admission to one or more of the 15 specializations of a master's in Economics and Business Administration, you must have a bachelor's degree in Economics, Business, Management, or a related field. You must also be able to document that during your bachelor's degree, you have covered the equivalent of 80 ECTS within specific subject areas, including, for instance, a total of 15 ECTS within methods, where at least 10 ECTS covers quantitative methods or statistics. If you wish to apply for admission to the master's program in Computer Science, you must have a bachelor's degree in IT, Computer Science, or a related field. You must also be able to document that during your bachelor's degree, you have covered the equivalent of 90 ECTS within the specific subject areas, including, for instance, 20 ECTS programming and 20 ECTS computer system. And finally, if you wish to apply for admission to the master's program in Mechanical Engineering, you must have a bachelor's degree in Mechanical Engineering or a related field. You must also be able to document that during your bachelor's degree, you have covered the equivalent of 60 ECTS within the field of Mechanical Engineering and that you have passed 20 ECTS mathematics, covering calculus and various types of equations. Now that you know your admission requirements, you are ready to start gathering the documentation that you need to submit. All students must submit a bachelor's diploma or certificate or transcript of record, course descriptions, a copy of the local grading scale, documentation of English language qualifications and documentation of citizenship. In addition to the documentation required of all applicants, there is also some documentation that is only required of some applicants. Only non-EU students will need to pay the application fee and upload a copy of their receipt. If you have previously been admitted to a master's degree program, you should upload documentation in the form of a transcript of record. If you have a current residence permit in Denmark, you must also upload this. A few programs such as the Master's in Human Security request additional documentation such as a CV and a statement of relevance. Finally, if you have any transferred credit, for instance, if you did an exchange during your bachelor's degree, then make sure to upload the transcript, the relevant grading scale from the host university and course description. Please note that most programs do not request such documentation and that you should only upload required documentation. Any documentation that you upload, which is not specifically required, will not be considered. The most important document that you must upload is your bachelor's diploma or certificate. It is very important that this document contains all the courses you have passed during your bachelor's degree and that corresponding grades and credits are indicated clearly. If you have not yet graduated and don't have your final diploma or certificate, you can upload a transcript of records. Just like the diploma or certificate, your transcript of records must contain all the courses you have passed during your bachelor's degree up until now and the corresponding grades and credits. Please be aware that the transcript should also include courses you are registered in and expect to pass. To accompany your diploma or transcript of records, you must upload a copy of the local grading scale issued by the institution where you earned your bachelor's degree. As an example, you can see a description of the Danish grading scale used at all universities in Denmark. In Denmark, 12 is the highest grade you can receive and O2 is the lowest passing grade. It is important that the document you upload clearly states the highest and lowest passing grade. With your application, you will also need to upload descriptions of the courses you have passed and also descriptions of courses you have not yet completed. These course descriptions are very important as they are used to assess whether or not you meet the specific admission requirements. Say you want to apply for admission to a master's in economics and business administration. You will need to document that you have passed five ECTS in microeconomics, but you may not have taken a course called microeconomics. Instead, this subject area was covered in a course of a different title. Or say you want to apply to a master's in mechanical engineering, where you have to document that you have covered both calculus and all the various types of equations. Keep in mind as you gather your documentation that course descriptions will be used to decide whether or not you meet the admission requirements. There are three basic rules that you should keep in the back of your mind as you gather the required documentation. Rule number one, only official documents are accepted. These would typically be both signed and stamped. Rule number two, only documents in English are accepted. Documents in any other language except Danish will need to be translated by the issuing university. And rule number three, all documents must be uploaded to your application. We cannot receive documents via email or regular mail. As with any set of rules, there are exceptions. The one exception here is that you are allowed to translate the course descriptions yourself if you provide the original source that you have translated from. Once you know your admission requirements and you have gathered all the required documentation, you are ready to start the online application. If you are a non-EU or EEA or non-Swiss student, your first step should be to pay the application fee. The fee is 100 euros and must be paid through our web shop. Step number two is to create a user profile for the application portal. Go to masters.au.dk slash admission and click on apply for admission. Once you have created a user profile, you can complete and submit the application form. Note that you can apply for up to three different master's programs. If you apply for more than one program, make sure to carefully consider how you prioritize the program in the application. Even if you meet the admission requirement for all the programs you apply to, you will only receive one offer of admission. Once you have submitted your application, it will make its way through our system. First, staff will verify your document and make sure that you have uploaded all the required documentation. Next, staff will read through your course descriptions and other relevant documentation to confirm whether or not you meet the admission requirement. Finally, the admissions office will issue either an offer letter or rejection letter, and you will receive a reply to your application. If you receive an offer letter, you must now accept or reject your offer of admission. In this overview, you can see the most important dates and deadlines coming up. Depending on where you are from, you will need to apply by either January 15th or March 1st. We recommend that you submit your application as soon as you are ready and that you do not wait until the deadline unless you have to. As you can see, in two instances, it's possible to send documentation after the deadline. First, if you do not have your English language test result by the application deadline, you can upload a copy of your registration and then submit your results at a later date. And second, if you have not graduated by the application deadline, you can upload a transcript of records and then submit your diploma or certificate at a later date. Again, depending on where you are from, the deadlines are between May 1st and late September. Ulhus University offers a number of Danish state scholarships to students from outside the EU or EEA country. If you are applying to a degree program at the Faculty of Technical or Natural Sciences, the Danish state scholarship will cover your tuition for the entire two-year degree program. If you are applying to a degree program offered by either the Faculty of Arts or Ulhus VFF, the Danish state scholarship will cover your tuition and in addition, you will receive a monthly grant to cover living expenses. The application process is very simple in the sense that you apply automatically when you apply for admission. You do not need to upload any additional documentation. Recipients are chosen by the university to assess all applicants according to the following criteria. Priority will be given to applicants with excellent academic qualifications. Thank you for watching this tutorial. If you have any further questions or concerns, please do not hesitate to contact the admissions office. We look forward to receiving your applications and to welcoming you to Ulhus University.


Good evening, I'd like to take call the Thursday, December 20th slug board, regularly scheduled slug board meeting to order. To my left is Pete Kelly. I'm Brad Town, and to my right is Jeremy Hanson, with us also is Dana Hadley, account administrator, Diane Isabella, account manager. Additions or changes to the agenda bid? I have no additions or changes. Public comment. Hearing none. You didn't get the paperwork that I sent, so I'm going to put some of it up. But I do have it. He's got it, he's got a printed one. Oh, okay. Including the audit? Including the audit. Oh, okay. Yeah. Did you get the name of the thing with today? This is what it looks like today. I mean, for the name of the scheme, and I'm not sure what's in it. Yeah, he's got it right here. Okay, good. Oh, wait, that looks bigger when it's not on a computer, huh? Yeah, it does. It does, it does. They're on there to make your Yahoo address. It's on there, but Pete Kelly and I didn't get any notice of this meeting. Yeah. Both Yahoo addresses? Check it, maybe Yahoo's. I checked Yahoo and AOL. Okay. So, what's the story? We got it, December 5th, and most prior to that, most bonuses prior to that. So, you're pretty much done with the trail pirate and that, right? Well, it's here, or the ordinance is on the agenda at 7.15, so we should be able to, we'll make it. I'm sorry, no, I just didn't know. Treasure report, I am. Okay. I have given, now you all have the reports, but I have given the November budget status report, trial balance, and delinquent tax forms to the select board. And remember, there was a VMware's audit that we had for 2016-17, and once we got the results, you wanted to see them. I got the results this week, and on it, it says, and I'll pass it as long as you can see it, it says, from July 1st of 2016 to June 30th of 2017, is complete and accurate based on plan provisions. So, whatever I gave them was completely accurate, and they sent that forward to the state. So, just come up with that. But that is, you know, the results of that. Okay. And otherwise, and that, everything else I have is in the agenda. Very good.  Going through this piece, still looking at the things I'm looking at. Yeah, I got it. I'll look at it, too. Forgiveness of balances, five dollars or less, Diane? Yes, I have just a few of them. I think they total, like, three dollars. But I have, I think, five of them in all, and that's the quarter, and I would like to be able to write them off, if I could. You want to write off three dollars? In all. Oh, great, Diane. There's a bunch of them. Don't worry, I'll help you. Here goes the profits. I'll take care of it. I need a motion on that one. Yeah. I move that we allow them to deduct it, or write off the three dollars. Yes. Second. Any further discussion? All those in favor? Aye. No opposed, no comparison. Ordinance, use of the count roads for Sylville's and APD's data. Right, and I realize you didn't get this, so you haven't had a chance to look at it. This is the model snowmobile ordinance that the league puts out, and I thought it was pretty good, and the questions that I had, we just touched on briefly was, well, I guess one of the issues that, they have a section for time of operation, are you interested in a timeframe, a specified timeframe? You mean during the winter? Yes. Yeah. Well, I mean, it's hard to run a snowmobile in July.  Time of day. There is an ATV, there is an ATV. No, it's just snowmobiles. Just snowmobiles, yeah. So in other words, let's say, what hours would you want it to operate, or what hours would you not want it to operate? In other words, you want to put a caveat on the hours, is what my question was. So that way they don't have snowmobiles going through the weekend? Yeah. It's like six to eight. Six, kind of early in the morning, more like seven to nine, seven to 10. I mean, that seems reasonable either way. Seven a.m. to 10 p.m., is that what you're thinking? Okay. No, so let's ask our snowmobiler who's just here.  So it's gonna require them to plan? Well, even so, I mean. Like the ferry. We usually only put a curfew trail on if there is a proof of problem. Usually we try to see how the trail works and then we can curfew it down from there. My only thing is I don't wanna let people get used to the idea that they can run through it at 12 o'clock at night, then try and take them, turn them back. Yeah, it'd be better to start. And there are houses right there. And I guess the other thing with that, remember this is, if I understand correctly, renewable every year. Right, we can change it in the middle of the year. We can put signs right up saying boom. This has been an issue and we're gonna correct it. Well, let's try seven to 10. Okay. I think that'll, what time does Abbey's close, nine? I think it's nine. Nine o'clock maybe, yeah. Except for the weekends, I think it might be till 11. Well, I mean, if there's no complaints, but we seem to have a lot of machines going through a little bit later and we can always do a weekend power. Yeah. Yeah, start with that. I mean, you know, I think there's a lot to learn. Yes, sir. The other section that I had a question on and we talked and just touched on a minute ago was, are you going to work with penalties? And I thought it was more trouble than it was worth it. I think we'll let the snowmobile people, police themselves, I mean, it's such a small section as well.  I see with the exception of the ones that are in the state of Vermont. Obviously we have to go with the state law. Yeah. On the current vast, like on the trail maps, it lists all the fines and the amounts and what they are and all the sheriff and the state police are all up on that. Pretty much covers everything. Is that on the website? It should be, yes. Either ours or the vast, let's say. So what I will do from this sample, which again, you don't have, but I will remove anything that talks about the enforcement of this ordinance since we're not putting any penalties. Also, I was going to get the wording from Rob Halpert on the renewal every year. How does that happen? Do you have to have a whole public hearing on the ordinance and so forth? So I'll finish that up and I will send that to you somehow. Can you get away with just one public hearing on that? Yes. Yeah. Why'd it almost be tempted to? It does take 60 days for an ordinance after you adopt it for it to be effective. That is a state law. So still build season, or the vast opens their trails, the 15th of December, where I think there's 60 deaths. It's always after the muscle loading season. I'm just trying to work backwards. I'm not good at that. October. So you'd have to have the hearing in October. Two months, you said 60 days. Yeah, you'd have to have a hearing and then you'd have to vote whether you were going to renew it and then it would be. And that's what I was asking Rob, is this a whole new ordinance? Do we have to do the 60 days yearly? I'm wondering whether we do. And you haven't heard that? No, yeah, no. Because I only thought to ask you today. Truthfully, we had to be starting back in September. So I mean, it doesn't hurt to do it earlier. Right. I mean, we could do it in August. I mean, it's, yeah. So we don't hold them out. I think it would be better off that we don't affect, you know, if the trail opens on December 15th, it's all decided. I mean, we knew this year was going to be. Right. We weren't making it, but. We go to the Berrytown Select Board every year and with our current map and any changes and whatever we have and, you know, ask their permission and speak up and any questions and, you know. When do you usually do that? What month? It's usually two months in advance, at least, yeah. We like to get everything done ahead of time, so there's no curve balls. Yeah, September wouldn't hurt anything. Well, the thing with this is they've got to go around to three or four, or five or six different towns to get these ordinances done if they're yearly. So earlier. Maybe we should take and look to August. Yeah. Man, I don't think it, to be renewed in August. I don't think, but I think what I wanted to know was the legality of, is it a whole new ordinance every year is what I'm trying to say. And I don't think it is. Anything else on the ordinance? No, I'll have that for you shortly, and we'll talk about it. It'll be on the agenda next time. OK, review of draft audit, Diane. OK, so you do have the audit, right? So I can go over a little bit of it. Did you? That's right. That's it. Thank you very much. Thank you. So I think the one that is the most similar to us, that what we're looking at all the time, is exhibit G. And that looks like our budget status report. What page is that, Diane? That is page 16. So I just want to briefly go over some of the highlights of it. And my numbers don't match up perfectly the way the auditors do it, even the bottom line is the same. But there's like three or four different things that they show differently than I do. They categorize things a little different. So page 16. Page 16, I don't know what I'm going on. It's right at the bottom, Pete, the number. Why don't you get in there? Oh, the next page. I was looking at these little numbers. Yeah, OK, yeah, OK. So anyways, we did better on the pilot. I'm looking at the revenues right now. And so we had underestimated what we would receive for pilot. So that's very good. Let's see, the state of Vermont, that one was really, we did better on that one as well. OK, we went way over on the zoning as far as revenue. So we did better. So a lot of our revenues were better. A lot of them were not significant changes. I just want to go over the things that were. And that's what we talk about. We know we're underestimating our revenues. So on that one. But I think now we are getting a little bit better. We're getting closer. The total underestimate was only $10,000. Well, one of the reasons for that is the contract at the hospital that we had planned on. I mean, we didn't have the expense there. Right. But, yeah. Yeah. And then on page 17 at the end, the health insurance buyback, that had doubled because Tom had become full-time working for us and Tom Badowski was full-time. And he elected to get the buyback as opposed to playing onto our insurance. And of course, we had no way of estimating that two years ago because we had no idea what was going to happen. And that's the situation we get into because we take our current people. Yeah, because that's all we've got to go by. And then it changes. But we haven't gotten, it's not a terrible problem. And then on page 18, for the development review board, the secretary was over. And the secretary is the one she does the minutes, but she also does a lot of research. So when she's there taking minutes, it's not just the time that she puts into taking the minutes. It's also the time that she researches the laws and stuff. So that one went way over. We have a different secretary this year. It does not appear that she's putting in as much time right now. And they haven't had as many meetings this year either so far. Let's see. And then if you look at the planning for what we call other, that's underneath the advertising printing, that 4727 was the consultant. Now, a lot of that money is coming out of reserves. But I show it differently. So the 4700, actually we only use 1,000 of it that we had for the budget. The rest of it came out of our reserves. So I've used that. Anything we take out of the reserves, it hits the expense, it hits our budget. The full amount. That's just the way it is. OK. And then on page 19, the board is under, let's see, general. And under tax refunds and abatements, that's 33,000. I never know from year to year what that's going to be. We never ever put in a high enough number because you just have no way of knowing. So that's why that one is so much higher. It would be worthwhile for us to grossly overestimate it knowing that that's going to happen. I mean, it sort of comes out in the balance. It does, yeah, and we could do that. Well, the other thing that we could do is if you were to look on the balance sheet is we actually have an amount that we hold for bad debts and actually start using that. Well, we had some special situations, didn't we, in that? We had that solar error. And then we also had, is that also include anything with green mountain power? They hadn't paid, so we were down. That's errors in emissions. Yeah, OK. And the solar thing was also errors in emissions. The Board of Abatement is truly abating taxes. Right. And we never know who's going to apply to have a debate. But you're saying there's a fund separate from the general fund that you're going to have. Well, it's in the general fund, but it's in the balance sheet portion of it, and it's called allowance for bad debts. And I've never touched that. And I technically could if I wanted to for some of these abatements, especially the older ones, because that's what that's there for. I mean, that makes sense if that line items there for that. Yes. But we can consider that in the future. OK. Let's see. And then as far as the police, we were down an officer in FY 18, I believe. So that's why they were coming under the expenses. And also, the expenses were under because we did not have to contract for the full year for the hospital. And then summer rows for the highway, and this is on page 20, summer rows for the highway, we tend to get, you see, when I am estimating the wages for winter and summer, I am taking six months winter and six months summer. And a lot of times, Tim, the road foreman, will tell me, I want you to continue the summer payroll for a couple more weeks. So we end up having more in summer payroll than we do in winter payroll. So that's why sometimes the summer payroll is over and the winter is under. And it's just because of the way he decides. As long as he comes out in the wash. It does. It does. But that's why that is different. So instead of 13 weeks in each, it might be 14 or 15 in one and 11 in another. Right. Something like that. And the winter rows, we were slightly down in that. We did not spend all of the money that we planned on. And then the next page, page 21, under general resurfacing and gravel, part of the 147,000 is money that was capitalized that's in the assets. But I have to show it as an expense. And then I show it as an asset as well. That's the way that works. Otherwise, under other for highway, we were under an expenses. So that was a good thing. So overall, if you look on page 22, at the middle column at the bottom, where it says net change and fund balance, we had a loss of $29,548. And that was definitely due to the Green Mountain Tower of Washi. Yes, because the revenues were not as high as they should have been for the property taxes. So that brought the total fund balance, which has reserves in it, et cetera, down to $1,073,000. So it's down for the year. But this is the first time in like, I think, four years that we've actually, it's been, you know. So we're really running half of that fund balance is restricted and committed. And the other half is unrestricted. Yeah, and that was the highlights for that. And then, if you were to, well, I don't know, it's so easy to find here. But I was looking to see, you know, there's significant audit findings. And that is going to be towards the end. There's like one of three pages. And if you look on page two of three, it says the difficulties encountered in performing the audit, we encountered no significant difficulties in dealing with management and performing and completing our audit. So it did not pair to be any audit findings that were of great nature. I had nine entries that they gave me for all the different fund balances that I made for the entire year. And there was a lot of them, I had posted something in just the wrong categories. Well, Diane, I would like to say that was excellent. That really is a very good job. And I wanted to thank you for doing that because I know it's nice not to have any findings and to have things.  You know, as they should be. Yeah. And to reliably have it that way, yeah. Right, right, right, no, thank you. Of course, Linda will be here at our next meeting and she'll talk about it again. Yeah, they will be wanting you to accept this audit and maybe now they have a chance to read it. And Linda Mullins from the accountants will be here on the 3rd of January to just go over here. So if you had any questions that you could think of, she asked me if she could know ahead of time and she can make sure she knew the answer. If you think of anything, let me know and I'll ask her. Or if you want me to clarify anything, you can certainly clarify or help. We didn't think we'd go line for line. Yeah. No, it's fine. There was nothing. We have the same figures, only they're in different holes. Some, you know, some of them. Opening of the town of Fort Mids. Yes. We have five. You might have to open one. Oh, yeah. Cheat, Cheat, for your viewing pleasure. Diane, would you like one? It's Christmas. Everybody gets to go to the bid. I just got a fancy proposal. Glad you had to pick one. We do ask in our bid requests for a sample, only many of these don't because we've done this which is why Brad has the update for package. Still Water Graphics? I have that one, okay. Still Water Graphics is out of Williamstown. Let's see. They're saying, I don't know exactly how much information you want on this, but their bid for 600 is 3,185 dollars. It says page count 225 plus cover. So I don't know how many pages you're looking for. That's accurate, yeah. So that's 225 pages plus cover? Yes. I think that was the RFP, right? Yes, yeah. The L Brown Suns? So L Brown Suns, same thing, cover 224 pages of text. The covers and 80 pound gloss cover, the text is 20 pound white opaque. For 600 copies, it's 2,418 dollars, which is a $4.03 each. What will we do, we'll do a 2,418 for 600. I think they're all for 600. Yeah, yeah. I have jet service, all the same information, 2,427 dollars. I have repo. They have given up price for, they've added 2,018 reports, only it would be 2,350 dollars. They also gave us the price if we bought two years in a row, but our RFP did not call for that, so 2,350 dollars. What was jet service again? 2,427. And I have IRC Brachios, some samples of their work. Town of Hinsdale? Hinsdale, New Hampshire. Yep. Pyramot and Straff in the literature. And their bid is 2,906. For the repro bid, was that including shipping? The repro bid, let me just be sure that shipping via UPS or the local curry will bring it to the town office. And Brachios is a delivery by RCB, so they'll deliver. I've not seen if that's addressed from Elbrown. It's not in still water graphics either. We have had Elbrown before and they did bring it. They did. Yeah, yeah. They're just done. It's over and buried. Yeah, I imagine jet would bring it. So I would think the shipping would be included in still water as well. It's still water as well, just says shipped to Berlin or something. I mean, it's nice having a local one that if we had to go there. Well, you know. We don't have to go to the Massachusetts or something. I know we're not supposed to exercise favoritism or anything like that and I'm not. But jet is in Berlin. For $9. For $9. What was he gonna say? For $77. Look, 24-18 and 20- Repos 23-25, that's what he was saying. Oh, sorry. Yeah, they're 392 a copy for repro. Jet service is 404 a copy and Al Brown in the sense is 403 a copy. Right. For a copy. So, this cheapest always cheapest? Is that what we're supposed to do? Well, the board has the option to accept the bid that they feel is in the best interest of the community. That may or may not be the lowest bid. We have used jet before.  They had also given us a price at one time but we didn't, again, it wasn't in the bid spec, so we had to. I'm just throwing that out there. So we also had a bit of a sassy response one year when we did not choose them. Right, well, and I get it, but I think I couldn't help but agree that it was, you know, it's a local person. They do confident work. It's satisfactory to us. What was it? 12 bucks or 15 bucks or something like that. I don't know. We're supposed to listen to a lot of constituents. But whatever, I'm just throwing it out there. And you're right, it is more money. It isn't 427, it's 350, so. Well, the spread between is what, $77? Move that we accept the bid from repro the amount of 2350. Second. Any further discussions? All those in favor? Aye. Moulton-Carrie. We will have a resignation from the Planning Commission, Dana. We had a resignation from Mr. Ferro, Jeff Ferro resigned from the Planning Commission. He did send us an email. He was unable to continue his duties as a member of the Planning Commission due to returning to active duty for the Vermont Army National Guard and the duties required for that position. Please accept my resignation and make my position available for a new member. Thank you for having me on the team. Jeffrey Ferro, Cross Town Road, Berlin. Except with sadness. Move to accept Jeff Ferro's resignation from the Planning Commission. Second. Any further discussion? I suppose we should post that then. We will post the opening and would you like me to draw our thank you letter? Yes. Yeah. Affordable License Permits about you. Very quick question. I'm pretty sure I've actually, I've asked this question before but I'm gonna ask you again. We have two phone lines from Comcast that we're paying for. Even though we get our phone service. I think we actually have three. The fax machines are on Comcast. Do they have to be? I believe they do. Phone's a phone. Well, the others come through the internet and I'll tell you everything I know but I can check on that if you'd like. Yeah, I mean, because we're paying for phone lines. I don't know if it'd be more expensive or less expensive just to do the voice over IP but again, in the interest of sort of consolidating these, we're paying $40 a month for those which I suspect you probably don't use $40 worth of faxes. I don't. I'm not speaking for the clerk's office. Of course. But I'll be glad to check that, that's a good point. I had been told at one time that the voice over internet wouldn't work with that. Same here, but I couldn't. However, I will not. All of our multi-function printers like that at Norwich are all plugged into the network. Okay, well, I'm not a network person but so I need to. We have standalone fax machines, does that make any difference? Shouldn't, I mean, you can have it too where it's just like a phone plug that just goes in. I'll be glad to check. Yeah. We can just find out if there's another fee for adding those to voice over IP system. I would say that the main drawback would be that if the internet goes down, then you lose that too. I mean, arguably you could use that for a phone backup. I think we have two fax machines on that and I believe the highway garage is, well, the phone number's 2299530. Okay, that's the one here. And 2234402. That's police. That's police. Oh, is it just two? That was the two. Yeah, so I think it was. The two lines that they have us sit here. I'm sorry. Okay, then I'll ignore me. I mean, on this bill anyways. Well, it would be, yeah. I think they have internet at the highway. They do, but that's a different bill. Yeah. So I moved to approve general fund accounts payable ward number 19G12 with checks 18712 through 18752 in the amount of $83,655. 17 cents. Also payroll warrant number 19-12 for payroll from November 25th, 2018 through December 8th, 2018 in the amount of $47,684.39. Also the October, November reconciled bank statements for the general fund, super commission and the water division and the November journal article, I'm sorry, the November general journal and tax admin entries. Your second. Second. Any further discussion? Those in favor? Aye. Those opposed? Motion carries. And administrative report later. Yes, I have just a few things. I think it was last Wednesday, Rosemary Coran, Diane and myself attended a class at the hospital for emergency management. And I think we got a better idea of what our roles would be in an emergency. Bruce Richardson and Wanda Burrell on our emergency management team were there as well as several people from other communities. And I thought the lady at the stage did a very nice job explaining it. So we did do that. I know that most of you get this in the mail, maybe. If you don't, I have an extra copy. If you would like to read the latest leagues magazine. We have also released today the request for proposal for audit services. This was the last year of our audit contract. We have mailed it to three firms, the three local firms that are able to handle our audit and they are the company that we now use, Father Gill and Sigali, Powers and Sullivan, and Crow, Weisner. And Mudgeit. Mudgeit, yeah, and we've used them before too. Tonight over at the school, they're having a public hearing on the land use regulations that are going to be in the ballot in March. The board also needs to hold a public hearing and that is going to be, has been scheduled for January 10th, which is not your regular meeting night. It would be the second Thursday in January. At seven o'clock. And thank you, if that's all I have. Would that be here? That's going to be here. Yeah. Are we going to be talking about the budget or not? Anything for executive session? Are we going to talk about the budget? Nothing for executive session. Did you want me to put the budget on the next meeting so that we can review that? Okay. So we'll do that Diane? Yeah. That'd be a final review then? We've got, I don't know if you heard me say we have to get it to Rosemary by the 17th of January. So I think we have time if you need more than one meeting, but I don't see a lot of things in there that are going to be adjusted. Would you send me that great spreadsheet that you have? Yes. That'd be awesome. Thank you. Thank you, everybody's on that one. Road table, please? All set, thank you. Good? Good. So you didn't need it. Motion to approve? Move to approve. Second. All in favor? All right. We're done.


Shocking warning from Israel. Iran may launch a nuclear attack soon. Israeli security chiefs have become especially worried recently. Not only over Iran's moves to enrich uranium, but also on Tehran's rapidly growing capabilities to launch a military nuclear attack. Even amid speculation about a U.S. push to forge a historic peace between Israel and Saudi Arabia, Israel's top commander sounded an ominous warning, according to Al-Monitor Edition. Speaking at the annual Hezlia conference, Lieutenant General Herzl Halevi warned of negative developments that could lead to Israel taking action against Iran. Iran has made more progress in uranium enrichment than ever before. We are also closely examining other aspects of the Iranians' path to nuclear capability, said Halevi. Without going into details, there are possible negative developments on the horizon that could prompt action. The latest dramatic news on the Iranian threat emerged two months ago on March 23 when Joint Chiefs of Staff Chairman General Mark Milley told Congress that Iran could make enough fissile material for four or five nuclear bombs in less than two weeks, an assessment with which Israeli intelligence is well acquainted.  A former senior Israeli intelligence source told Al-Monitor on condition of anonymity, these are perhaps not standard military-level nuclear warheads, a former Western intelligence source told on condition of anonymity. It may be that the Iranians have a way to assemble a different kind of bomb, but what is certain is that they have made real progress on the issue of nuclear weapons capability behind the backs of the entire world.


it's a hot topic. Everybody's talking about it. Interest rates. The Federal Reserve has recently said they're going to keep interest rates steady. We've got an inverted interest rate curve, inverted curve yield curve. I'm sorry, that's inverted yield curve. Meaning short-term interest rates are going to be high, long-term interest rates are possibly going to be low. It means it's going to look something like that per se. So everybody's talking about it. I mean houses around the country has gotten more expensive. We've seen the prices of houses kind of cool off and come down a little bit. But that's how to do with interest rates. Some people say they're getting six, seven, eight percent. You know, it's like Pandora's box. You wake up every day and you don't know what's going to happen. On top of that, we're seeing we work just by bankruptcy from his glorious days of $47 billion that it was, you know, IPO that right. So now you're looking at we work today just almost just disappeared as more and more people are not staying at home, starting to add to home business. Like me for example, you know, I run my firm from my house. That was kind of unheard of 20, 30 years ago. The first thing people did was find a place. Now we see that all change. But also we got to look at it. Our interest rates have been really that high. When we look back 20, 30 years, everybody now we've gotten so used to that one, two, three percent interest rate that now when we see six and seven, everybody's about to have a heart attack. But in this market, so much has happened. You know, we've heard so many cliches. Some people say marry the price and date the interest rates. I heard all type of people say things. But today I brought in loan officer. He's out of Hawaii himself, but he's in Georgia currently. And we're going to talk about this today. So ladies and gentlemen, if you haven't done so already, please go ahead and make sure you hit that like, subscribe, comment, share button and tune in and stay tuned here to The Prince of Investment. Let me bring in my guest, Mr. Sean Sutton. How are you doing today, sir? I'm doing great, Prince. How are you doing today? I'm doing better than Atlanta Falcons. But you know, we're not going to bring up that conversation. So I gotta ask you this question here, right? When you look at this real estate market now, do you think it's more, are we still in the buyers market or we're in the sellers market with these current interest rates? Well, I think right now it's still a little mixture of both. When I say that, I mean, it's obviously advantageous if you're a seller right now because what makes this market very unique is the simple fact that you got the interest rates are climbing just as much as equity in the homes. From a buyer's perspective, you're actually able to leverage a little bit because once you're out there on the market, once you get ready to put into your offer and things of that nature, if there is a seller who just happens to be asking for a little bit more than what the market demands or again, high interest rates, high prices, sometimes these for your home to be a little stagnant. And again, they're already accumulated a lot of equity more than it ever would have thought in the last couple of years. You're able to kind of incentivize and kind of ask things of them, far sellers, creditors and things of that nature. So you can want to get yourself a pretty decent deal, even though you're paying a little bit more. But at the same time, you're able to perhaps buy the interest rate down and take advantage of certain products that are out there such as two one buy downs and so forth. Two one buy downs. Can you explain what you mean by that? So far as a two one buy down, I think it's a pretty good product out there to help assist that only the seller sell their home, but also for a buyer to pretty much achieve that home ownership dream and make it a little bit more affordable, especially in this market. So essentially, let's say, for instance, an individual comes to me and they're looking for a loan, right? So I offered this product a two one buy downs, temporary buy down. So what they'll do is that they will apply for a loan and based off the current market, they will be approved at the current rate, right? So let's say it's 6%. So what that two one buy down does is actually pretty neat. So for those next two years there, so you got your first year is going to decrease by 2% and then by the second year decreased again by 1%. So you'll look at your first year you're going into it. It'll be 4% then followed by a 5% and then from year three through 30, it'll go back to the 6%. So a product like that makes home ownership a little bit more affordable. Now the caveat to that will be again, qualifying again at the at the high point, you know where you're going to be at. So there's no surprise in that. But the money that you're saving per month is going to be tally the total together and that's going to be part of the concession that needs to be paid by the seller. So it's an agreement on both halves. So when you look at that in totality, it's advantageous for a seller whose home is probably stuck on the market for a little bit. And that's a way to kind of entice it folks in from a buyer's perspective, if you know of it, and you have a loan officer who's talking to you about that and kind of making you aware of it, it's something you can bring up to say like, hey, have a proposition for you. I've heard about this 2-1 buy down product that helps me out, helps boost your house. Let's look at this avenue here so it's affordable for me and it gets you to where you can enjoy all the equity that you just gained and you can move on to wherever you're going to go. So pretty good product that's out there. Okay, now the seller, a seller on a 2-1 buy down, it has nothing to do with them, right? They don't have to give up anything, anything like that. Is that correct on land? So with the seller, the seller's going to pay concessions on that. So if you look at what you're saving per year, the difference in the payment, right? So at 6%, your payment is, let's say it's 4,000. And you're going to go down to the 4%, which is saving you to say it's 3,000. So that $1,000, you're going to save that throughout the year or whatnot.  So that's what they're going to be paying in the concession. So whatever the difference that you're going to be saving is what they're going to add together for the first year and second year. And they're going to combine those two totals and that's what they're going to pay in a seller's concession for you to be able to use that product. Also a seller pretty much has to pay that difference in interest rates in order to get rid of their property. Correct. They're going to pay the difference in what you're going to be saving potentially by using that product, which in the grand scheme of things, especially in the Hawaiian market, you're getting so much in equity. That's a small drop in the bucket compared to, let's say just flat out giving someone, say $30,000 in seller's credit or $20,000 in seller's credit. If you have a $650,000, $680,000 home or $700,000 home, you're probably already, your concession would be on that for two and by now, maybe in a neighborhood of like $16,000, $17,000. So it could actually want to save you money when you think about it if you know what the numbers look like. And that's something that whoever you're selling your home to or if you're just inquisitive and you ask a loan officer, you can find out what that number is. Your seller's agent can be able to assist you with that, your real estate agent and kind of give you a little avenue. So that's something to kind of sweeten the pot there a little bit and get your property off the market. Okay. So you're essentially saying that, hey, instead of coming down the price, instead of coming, let's say my house is for $700,000, instead of coming down the price by $50,000, I can just use, hey, I'm going to give you $30,000 to cover the two one by down to, I guess, keep some of that equity and to motivate someone to want to move in to say, hey, my first two years, I have the house at a discount. Am I correct on that? You are correct on that. It's a great way to not have to bring down the price of your home if you're looking for a target goal of what you want to sell your home for and what you want your proceeds to be. It's a great way to maintain that asking price. Okay. Now, when you look at these arms, these adjustable rate mortgages, right? Where interest rates can, I think it adjusts every year or whatever, right? So we're looking at right now, since we're getting the interest rates are inverted right now, and you're seeing people say short-term interest rates will be high, but long-term interest rates will be low. So could it be a way to like, hey, I could take these high interest rates now, then cut them down? How do you feel about going into this market now with arms, adjustable rate mortgages? Well, I think when it comes down to arms, as long as the buyer is educated on exactly what that arm is and what it's capable of and what it's going to do in the future. So for instance, the set of people kind of being adjusted to just working was fixed rates, 30-year fixed rates and so forth. If you're going to go into the arm, just know that at some point, like if I have a 3-1 arm and so forth, if I'm going into that third, fourth year, like, hey, I'm anticipating that change coming up to where I know in between, if I have not refinanced into a fixed product, it's going to adjust. So that's where a lot of folks get into trouble with that. You want to make sure that, let's say for myself, I'm talking with a client that they're aware of that adjustment is going to take place. That way, you don't run into a payment shock, so to speak.  But again, just a reinnerization of it and then talking with them, even throughout it, checking on your client, like, hey, you know what, your arms coming up, it's going to be changing soon. The market has not adjusted to the lower rates yet. And then here's what you're looking at. So again, it's just the education about the product itself and then the anticipation of like, hey, if we have not refinanced out of it and the market has not gone the way we hoped it would have gone when we first took this on in order to achieve a lower payment, you know, are we going to be okay with the higher payment that could be coming? So that's something whenever it comes down to adjustable rates and adjustable loans like that makes those very advantageous, but also a little bit, you know, just be cautious when you do those as well. Okay. Now, how long does that arm stay on? Is it only good for three? Is it every three months you get a new interest rate? Every year you get an interest rate? How does that thing go? So no, I mean, they come into a very variety of ways there. So you have like a 3-1 arm, a 5-1 arm and so forth. So what it is is that when you get down to that final year, to like your, let's say you got the first three years to which you're adjusted for a 3-1 arm on that fourth year, you're going to be open to a market adjustment. So that's what you have to be, the anticipation is going to be set for. So once you get to that point and you're looking around, you're like, well, I've been watching the market and nothing has changed, then you're going to anticipate like, hey, I'm going to be at the mercy of where the current market is. Now in between that, let's say like right now, you take on an arm and your interest rate is let's say 6%. And hey, you know what? Market does switch and turn out to be, you know, it's going down and now interest rates are at four. Let's go ahead and move you out of that and put you in a fix so that way you'll be good to go and you don't have to worry about that impending adjustment that's going to be coming up in the next year or so. Oh, why would somebody want an arm anyway? Why is it going to fix? Okay, just affordability. A lot of times you want to go ahead and achieve the goal, right? So if I want to go ahead and buy that particular property, this is the home that I like and I love, if you can find a way to make it affordable and you manage your money well and you know what you're doing with it and you're very condescitive like you're spending and so forth, the arm makes sense if you're able to budget and manage yourself accordingly and you know you want to get that particular property. So there's nothing wrong with that. It's just the thought of just being mindful, moving forward and just knowing that hey, it's not fixed. It is adjustable and that we're subject to having it adjust at the end of that time period. Okay, now looking across the real estate market now, what do you think is some opportunities? You know, you think there's more opportunities on the seller side or the buyer side, you know, would everybody's kind of feel like everybody's at a stalemate where everybody's looking at each other. What do you see some opportunities right now in the real estate market? Well, I think there's opportunities on both sides of it.  So if you know you're looking to retire somewhere or maybe you're looking to invest, you just gained a lot of equity. So maybe you're looking at doing a cash out refinance. Maybe you're looking at selling your home and being able to make that move and go to the mainland. That's going to be advantageous for you. If you're a buyer that's out there, because the market is the way it is, if I'm someone who's like, hey, I have a home, I'm sold by a home, I'm sitting on some cash or whatever the case may be, because higher interest rates have made some buyers a little squeamish in their staying off the market, you're able to kind of go out there and make purchasing on homes without too much competition. So that's where it becomes more advantageous on the buyer side, I believe. Okay. Now, look, I've previously just want to get your take on this. We work once prominent, $47 billion. It was like this virtual moving, floating workplace of a company, five bankruptcy, and you're seeing more walls go into the commercial real estate market. As you're seeing office space and things like that happen, how do you feel about that commercial real estate market? You think it's an opportunity? What do you think is going to happen to all these big office buildings? It's going to be a real sketchy touch and go, because what do we learn coming out of the pandemic is that people can work from home. You have a combination of higher interest rates coming into effect for those who are looking to get those commercial space and big office buildings and so forth, even for those who already previously had them. I mean, a lot of your workforce went home, you want those folks to return because, hey, I've rented out this huge building and then there's no one in it. So that's kind of run into that issue. And then what also took place. I mean, we had a lot of people who left the workforce and didn't come back to the workforce. So that's also affecting it too. So if you start to go out here and look at possibly getting these big work spaces, you're going to have people to fill it. It has to be, what are we getting out of this? Can we save money? Do we really need to brick and mortar? I just think that when COVID took place, when we went through the pandemic, I think there was a shift in the change of ideologies. You have some companies that, hey, we already pay for this space. We need people to come back, but a lot of folks, as you can see, are you experiencing now or staying at home? So a lot of companies now are trying to shed that stuff and like, hey, you know what, we're saving money anyway by not having that space operational or not renewing that lease. So they're kind of out of it. So it could be expansion there.  What do you think is going to happen to these spaces, these big office buildings and these big once prominent, I mean, that was the thing, you know, everybody wanted to corner office in the sky. And that was like the thing to do. Now you're seeing a change. You're seeing people on my work Zoom calls, people doing what we're doing. What's going to happen to these spaces? What can you see them turn into? Who could take advantage of those? Well, I think when you have spaces like that, I guess the first thing kind of comes to my mind is this utilization of the building. So I mean, what could have been your mark for commercial? Maybe you make it into something that's residential. Maybe you turning into something that's more recreational. It just depends on your thought, your dream and how you want to change the space. Because people, it happens all the time where you see commercial spaces or old buildings or things like that get retrofitted, get turned into a residential space or some sort of different business that might be geared towards entertainment and so forth. Or it might just get spliced up to where it's, you know what, maybe this whole section here from floor, I don't know, one through 30 might have been all business. Maybe that gets cut in half and it gets spliced into something else. So just have to be real creative on how they want to utilize that entire space for whatever business they want to attract to go in there. But it definitely has to think outside of the box to get those spaces real. Yeah, I think it's only open for residential, maybe apart old hotels turning into maybe some apartment complexes or a leisure, you know, maybe bowling alleys or something like that that I could see people may possible may happen, but something would happen with them. I don't know, but somebody that come along the economy will fix, you know, fix itself. So I don't really know. I know it's kind of like the probably the lowest point that I see in the real estate market itself. So now going forward, as you look into the residential spaces, is this a time for like, how do you feel about the renter market going up to you got renters, rain prices going up along with mortgage prices? How do you feel about that?  So in return, because let's say the average mortgage is $3,000, and the renters market is $2,000. Those renters, they could raise some raise the price on them because they really can't afford to have a mortgage, but they're barely afforded rent. These I'm kind of seeing noticing that. How do you feel about that whole, what would that lead to? I figured something's going to happen, but I don't know what it is. Well, when it comes down to the rental space, it's very unique in that you are starting to see the running prices go up to where they're either, well, I'll say like this, when it first started out, it looked pretty good on paper, especially when the mortgage rates first went up and those rental prices had not yet adjusted.  Also too, it depends on lifestyle. There's some Americans out there who just don't want to be homeowners.  And then when it's time to move or it's time to go someplace, I can just close out and then there I go. But as things start to adjust and you start to see the renters market kind of react to everything or they're going off the market value like, hey, if this person over here is, you know, we were renting $2,500 last year, but now we're going to $3,000 or $3,200, your current occupant there, that they might have been already maxed out. So now they're looking at that going like, wow, now what do I do? So it's becoming to where you're almost kind of renting out the, I want to say the American dream, right? Like the dream is to buy home and home, have home ownership, but until things can kind of get set back right in terms of what we're spending out in terms of what people are making. If that can make a little bit more of an adjustment to where our incomes are catching up to where rents are, it's kind of growing into direction where you can't, there's no affordability there. Like that individual who's renting will probably stuck renting. And then until houses come down, it becomes more of like, hey, you know what, I want to be able to buy a home and I just can't do it right now. And with the rent going up, how can they save? So you're kind of running into that issue. Okay. Now, is there anything out there that we're missing? Like, you know, something that's going on in the real estate market that you've seen some opportunities that people are not talking about. Is there anything you see out there in that residential space in the real estate industry? I think the biggest thing is just the education, like reaching out. If you're curious about homes and, well, I mean, not just homes, but wanting to purchase a home, calling an individual like myself, speaking to your loan officer, speaking to local loan officers learning what products are out there that can assist. So when things go bad, as we perceive, like its rates go up and things of that nature, the banks and lenders, yes, you do tighten up in terms of certain requirements, but they also loosen up at times too. So it's just a matter of staying on top of things and asking those pertinent questions, see what programs are out there. I mentioned about a two one buy down at some cases, even in the conventional, they go to 1% as far as down payments. I mean, they adjust things to make it to where we're going to do what we can and try to get people into those homes and so forth. They may even drop FICO score. They may allow certain things from a self-employed standpoint, depending on what your situation is, there's probably a product out there has either been introduced or been modified to where it's allowing more people to be able to use bank's money to go out and purchase a home. So it's just always trying to stay abreast of what's going on out there in terms of from a lending aspect or a loan that you can attain. Now I saw something out there that the FHA put out there, don't quote me on this, but I think it was like a 5% or whatever, where you could buy multi-families that were out there. When you look at Fannie Mac, I think they was giving out loans, but I'm also seeing that people are saying that the renter's market is a little saturate that is, from the investor standpoint, hey, I want to buy a rental property, rent a property, rent it out, whatever. How do you feel about that whole construct as an investor standpoint? I want to buy a property and rent it out right now with this current renter's market. I think it's getting a little saturated at the time. Well, it could be. I mean, and that's only due to the fact of, again, you don't have that many home buyers out there, and then what did they do to try to, that kind of fit into that is the fact that inventory is a little low too, right? New bills are not as frequent as they were 10 years ago. So that's kind of when the things are kind of feeding into this too, is the fact that you've got high interest rates along with rising equity in homes and prices and so forth, because you don't have a lot of new bills out there. You've got more Americans that need houses and there are houses to go into, right? In terms of the saturated renter's market, just some other factors that kind of play into that. I know you've probably heard of this where you have now corporations that go out, they're buying up homes and they're kind of getting into that space where it's like, well, hey, if no one's buying this neighborhood, they've already built like, let's say, 20 new homes in here, why don't we buy it? We take it, we make it into rental properties and now you have these residential companies who are going out and they're kind of in their own little way, not going to say control in the market, because they're not relatively the largest percentage of like the folks that own the rentals, but in some cases, they could be a driving factor of like, hey, why the rents are going up, if that makes sense. Now, far and large, it's going to be more private owners that own properties around America that own more of the rental space and they're all tripling to why rents are going up. But yes, in a sense, it's being more saturated because the rents, they look cheaper, you know, right? And that's where people are going to. So as they get into that space from an investment standpoint, I mean, it looks pretty good right now because the demand is there, it's definitely there, that's why you see these corporations and stuff going into it, along with folks who are going out and buying different properties and wanting to rent those out because no one's wanting to buy the new homes either. So very interesting in terms of that. Right now, is there anything that we forget about that we left off that you want to get on? I think weathering the storm, if anything, just know that if you were to ask, is it a good time to buy homes? I say when you're ready to buy a home, buy a home. But even in this market here, of course, he's like, well, of course, he's gonna say that he's a lender, right? He's trying to get people in the homes. My job is not to sell them. I want to be able to get you into a home, but I'm always a big believer. And again, that American dream and home ownership and what he can do for an individual's family and wealth and so forth and prosperity, you want everyone to be able to achieve that dream. So with that being said, just a preparation for it. Just make sure that you have yourself together in terms of knowing what your credit is like, having it in a good space. And then if you have not done that, then keep working towards that, working on just putting back a little bit, terms of savings and so forth and being ready if you are in fact waiting for those interest rates to go down or some prices of homes that go down, depending on what market that you're in. So that way you can move into that because a lot of people who are renting, that's necessarily meant to go to rent forever.  So I think that's one of the biggest things as far as touching on is just preparation. Just be ready, still keep that mindset of wanting to buy a home. I think that's key. And then we're back here and we wait anxiously for interest rates to go down and home values to go down. The home prices to go down, I should say. Now, Mark, you said that I'm assuming that whole refinance market has kind of dried up. Is that refinance market is cold now or how's it looking right now? Well, if you're just looking for let's say you have a government loan, like a VA loan. Yeah, you're not going to see too many interest rate reduction refinance loans. This is a straight interest rate drop. But for folks who have equity and they're wanting to do special projects, renovations, things of that nature, they're still cash out refinances that are taking place. But you have to keep in mind a lot of that equity. Yes, they have it. It's sitting there and it looks so enticing. But they were able to refinance two, three years ago and that's looking really nice too when you're looking at interest rate that's maybe high twos. I mean, high twos, low threes. And in order to take that money out, now my cash out refinance may, yes, I'll get my 100 grand or 200 grand, but my interest rate is going to go up to maybe four and a half or five percent. I quote those because typically if you're taking that much money, you should buy your rate down, right? So you're not going to take like a six or seven percent. But yes, that's definitely is cooled off a bit. And then it's pretty much like cherry picking on what you have going on. If you're already a homeowner and I think those cash out refinances for people who are just looking to take money out or do renovations is what you're most likely what you're seeing. Okay. Well, how can people get in contact with you to hear more, see more? You can always go to my website, SeanSubsmortgages.com and then you can always direct call, right? Here you go,<PHONE_NUMBER>. Okay. All right. There you have it. SeanSubs, thank you for coming on. All right. Thank you for having me. All right, ladies and gentlemen, to the next video podcast, cartoon book or whatever else craze you see me do around the globe. My name is Prince Dykes. This is The Prince of Investment. Until the next time, peace, be safe. I'm out and thank you.


You're listening to the Iran Brook show on the Glaze radio network. All right, we're back and I have to say some of those commercials for other people's shows drive me nuts. He wants to see a wall that you can see from space. Why? Who are we trying to protect ourselves from? Who's invading? Who's trying to take over the United States? I mean, is Mexico an enemy that we need a wall? I mean, I can understand somewhat the walls in Israel because people want to kill the Israelis. They're invading. They actually want to destroy the state. Maybe even the walls in Rome, the barbarians were coming. Didn't help them much, those walls. But what's this wall with Mexico going to protect us from?  Who is going to kill us all? Mexicans? Right now, Mexican unemployment is lower than it is in the United States. Right now, Mexicans are not crossing the border into the United States illegally. The jobs are just not there. There's just no benefit for it. Fact is, if you look at the numbers, illegal immigration from Mexico peaked between 95 and 2000 at about 3 million. And then after that, about half of that came in in the next five years. And the five years after that, even less. So by 2007, most of the immigration between Mexico and the United States was moving from the U.S. to Mexico. 1.4 million Mexicans returned home. The actual population of Mexicans in the United States shrunk from 6.9 million to 5.6 million from 2007 to 2014. Because almost none of them came here. Almost everybody went the other way. So are we building the wall to prevent Mexicans from leaving because we need them to build our homes. We need them to pick out strawberries. We need them to be our gardeners. I mean, it's insanity. It truly is insane. We're going to spend $22 billion, $22 billion that we suck out of the private economy, which would be allocated based on profit productively.  For what? Because we're afraid. This is, again, a motion over reason. We're afraid our culture, our country has become a country of whispers. Afraid of a few immigrants coming across the border. One of the reasons illegal immigration from Mexico was so high in those days because Mexican birth rates used to be something like seven children per woman. And what happened was when healthcare improved in Mexico in the 60s and 70s, suddenly these kids were staying alive. Suddenly these kids actually weren't dying, which is why we used to have lots of kids in the past because most of them would die. And now they didn't have jobs, so they cross over into the United States. Today, average Mexican family has 2.4 kids that's per woman, which is about replacement costs. And unemployment in Mexico is about 3.3%, which is lower than in the United States. The Mexican economy is growing faster than the U.S. economy. We're going to beg them to send people. We're going to beg them to send people. Now, let me know, some of you in the comments, really basic economics people. When the government takes money away from the private sector, either through taxation or through bonds, it is taking money away from individuals making decisions based on a proper allocation of capital. And then when the government consumes it, that is consumption and waste. Even if by consuming it, it pays private enterprise. That capital, instead of being invested productively, is now being invested unproductively. That's why Keynes is wrong. That's why government stimulus doesn't move the economy. Because paying people to dig ditches and then fill them up, even though those people are private people, they're not government employees, is wasteful. It's taking money out of the private economy and applying it to wasteful government consumption. And that's what a wall is. That's what a wall is. Immigration out of Mexico is way, way, way down. It used to be 144 for every 10,000 Mexicans were leaving the country. Now it's under 39 per 10,000. But we're afraid of them. Oh my God, they're going to change our culture. They're going to vote for Democrats. They're going to destroy America. Although it's not going to be Mexicans. It might be Hondurans. It might be, I don't know, Canadians. It might be Norwegians. But it's not going to be Mexicans because Mexicans are not coming here illegally by large numbers anymore. There's just no incentive to do so. Indeed, as I said, many of them are going back home and now the wall is going to prevent them from doing that. Not that the wall will ever be built properly to prevent anybody from moving anywhere.