Check it. Check it. Check it. It's a unique house. It's your boy e ceo and I'm here with the official miss Jamaica. How you doing? Really, how good are we doing? Are we doing good now? Okay, all right, then now you're doing great. All right, man. So man today man, we got a special special guest man You know somebody that I hold dear to my heart somebody that I've been knowing forever You know what I mean just like But she's into a lot of different things and we just wanted to bring on the show so she could share Yeah, yeah, yeah, yeah, I don't want to call up what I what her maiden name and and that's how far back we go So I'm trying to make sure I get it right. So I look back at the screen Miss Lorraine love Taylor is in the building. How you doing? You're looking great. Thank you Good age today Man, that's a blessing man. So Lorraine is here today, man, and she gonna help us out on some real estate tips, right? She gonna tell us kind of what she been seeing, you know in today's society I think this is gonna help a lot of people and that's the whole purpose of what we do here is to help people So Lorraine just let us start off by you telling us just a little bit about yourself a little bit about whatever you want to Share okay with boss talk 101. Okay. Well, my name is Lorraine love Taylor I've been a realtor for about 16 years. Wow. Yeah, I did not know it was alone Yeah, I'm tripping. Oh Cuz I started I Was working for the Dallas morning news. I was there for like 20 years and in when I was there Always wanted to help people. So I always said I wanted to be a realtor. What did you do at a Dallas morning news? I was actually I helped The reporters and things like that. Okay, so you weren't actually helping people at that time I was yeah, I was helping people but not the way that I really wanted to because my passion was Helping and with the Dallas morning news. It wasn't necessarily that so I feel like I've always been that kind of person Where I've always wanted to be there when people needed me So I always wanted to be a realtor and I talked about it a lot and I will talk to my husband about it Man, shout out job Taylor We're getting on the show. Did he like it? He did. Okay, cool. So he'll be here. That's what I'm talking about. So He just told me he said, okay, you keep talking about it. You keep talking about job Yes, then that's what cuz I've always been in this like this just Bubble get the bubble where I'm like, okay. I can't do anything.  We from the same small town. So I get it from East Texas Load I shout out load So, yes, so that's what I did and I actually jumped and every since then it's like it's been a blessing And blessing for the people that I've helped man I've seen y'all I've seen you come out of that shell that bubble I remember you from being young and I was growing up together and it was different for me when I seen you Start talking. I'm like, that's not her. She out of the shell. Yes, you know, and I was very I was happy about it Cuz I had to go through that too. Right. It's the time, you know, you know People see me now. They'd be like, yeah, he always but it wasn't always like this for me You know what? I mean, I was always about the hustle. No, I'm not just I Talked to I wanted to talk to certain people. I didn't I would I was shy back from talking to certain people I think it was me and God that had this situation where I had to come out and start really Really talking about something that was worth something. But when I was just no I would I wouldn't talk a lot when I was in the streets. I'd kind of hide things You move different when you're a street cat So you don't let people know everything anyway, but when you when you when you transform or trans be transformed You know, when I transformed when I changed that was when when I started trying to Speak more try to do something and try to help people and not shy back because I'm representing the most hot God Does that make sense? It does because I had to pray about it I bet I bet because it's like I was that shy girl from Lodi, Texas that thought that I couldn't yeah And then it's like one day. I'm like, okay, God Step out there and just do what I do and it's like a lot of people always say girl That's you used to be shy. You used to wouldn't wouldn't talk to anybody. Yeah things like that And that was me and it still is in a way, but I have to just you know But mr. Taylor had had something to do with that too because you know y'all one So I believe that a lot of times what happened is we we mirror one another like me and my wife We've been together kind of the same amount of time and and and we kind of mirror each other like and and and you know I'll ask questions to her and she'll Tell me what she think we're openly than others will and she see me more than anybody else So I'm pretty sure he's seen those things in you and he knew what you really were like And you always try to think that you have to be that okay Perfect. Yeah, I don't look good this yeah, so I'm not gonna do it. Yeah, but it's like, you know people want to see you They don't want to see that fake So it's like a lot of times I just get out there I get on Facebook and just start talking a lot of times. I'm like, oh, I think I look amiss, but I Don't care exactly.  You know what I mean and who you are by his standards, right? That's where it's at But no, I'm just so happy that you came and did the show with us man. I was excited about it I Do a lot of people here as far as we we got a lot of people to come on the show But you know, we hadn't had a real estate agent and it was people that asked me to have Somebody does real estate on and I was like nah, nah, but then when when Stevie said that it was like a given because we come from Well, we we linked so it's like okay. It's a no-brainer for me, you know So I didn't even have to struggle with the you know, thank you, man I thank you We use our platform not only just to get information to educate to help and that's on in every topic You can find so even when we're out here hustling trying to get people on here or people contacted Contacting us to get on here We let them know that we talk about everything because you never know who you might help help. Yeah Yeah, so how do you like talking to all these different charniers of people?  You know what I mean? Mm-hmm. Yes when we have rappers on here Yes, their music is awesome But what did you do to get where you are today that you can help someone who is looking or inspiring to be an Artist as well, right, but I think I think we cut we cover that I think we do a lot I think the main thing with the rappers and I'm gonna get off that subject But the main thing with that is so many of our young kids are that's what they're saying They're gonna be so the more we get them on here and ask the questions that they can see us Right, and then they'll be able to understand the path that they're trying to accomplish Because a lot of times they think it's a little bit easier than what it may seem And so we have to get people on here so we can ask the question So that young person will be able to see through us and boss talk on a one How this artist may have come by what he's done or how he stopped doing what he may have been gonna do You know what I mean?  They may not be ready to buy now, but if they Do what we tell them to do then eventually they will be able to buy. Yeah, it may not be now But I just feel like everybody deserves that chance if that's what they really want to do They just have to do it But like I was saying with real estate a lot of people think it's easy No, and they always say hey, I wish I was a real estate agent and you know, I'm thinking about doing it So I'm like, okay Okay, make sure you research everything before you do it because it's not as easy as you think it is Agree today in today's society Well for the past couple years I've been hearing more and more people saying that they want to be a real estate agent right or Getting up to go get certified to be the agent because I guess that's the booming market right now But I know it costs a lot to do it to take the classes and the course and all of that and then you have to Let me not tell you about it. You're the professional tell us what steps you have to take to become a real estate agent Well, you do have this you do have to take the classes like I said I've been a real estate agent for over 16 years now So when I started I was at the Dallas Morning News and I did it on the weekends So it's just certain things that you have to do but it's like you have to take the classes and then you have to go to take Back then I think it was I want to say about And I can't even remember now because it's been so long ago But it's not as hard to take the classes because Sometimes, you know back then if you had college courses you can use those as well. So I'm not really sure People that I know that I've been taking it They just say that I have to go and take the classes and you pay for the classes and then after you do the classes And you're doing the exam you got to pay for the exam as well that's true and If you a real estate agent like if you're leaving Dallas and you had to go to another state You got to go back and do the test and pay for that again and get that now if you don't pass that test You have to take it again. You have to pay for it again Exactly, and then you know people don't think about the dues that we have to pay every year in every quarter It just kind of depends sometimes we have to pay. Let's just say I'm just giving up like a ballpark figure Mm-hmm it does because you know you have to pay for those super keys you have to pay for What are super keys? I know that's how we get into the properties through Oh, it's like a little key that we have and we have to pay for that We have to pay for our dues as far as you know the MLS fees the MLS is same thing It's like looking for the houses on the MLS. We got to pay for those kind of fees So there's a lot of things that we have you are paying for it as an individual or your brokerage firm that you as an Individual okay, cuz I know there's a lot of parts to this. Yes, we have to firm as well We also have to work under a brokerage Can you create your own you can but you actually have to be a realtor for a certain amount of time first? I think it's like two years. It could be four I can't remember before you actually branch off before you can actually branch off and be your own broker Okay, cuz you make money that way, right? Yes, you do but you have to do your research because a lot of times it's not that easy because Whatever we do if we do something that we're not supposed to do it falls back on the broker So yeah, and it's like we still have things that we have to I want to say something that you didn't do give us an example of something that a Realtor cannot do and it will fall back on the broker Well, if you do something that you're not supposed to do like let's say if someone's trying to buy a house and they say they're working and They're using like someone that knows how to do those checks You actually get caught it's like and you are you actually knew that that's what they were gonna do So everything has to be legit How can you guys test it? Well, you don't know. I mean, we don't know now We don't know we're gonna get into exactly there's a lot of people that do know and they do a lot of them The numbers because they want to make that they want to make that sale And they know that the even if the money is there the paperwork has to be right So I get that so there's just a lot of little things that people can do I don't know a lot of them because I don't do But I know that people talk so I was just wondering if you knew off Instances I got a question. What to her what was your brother a real estate agent in Atlanta? Yeah, he went and did it the exam got the paperwork I did everything didn't do anything with it and that's a lot of people today They go out and get it And it's not that they don't want to use it a lot of times They don't realize how hard it is exactly because honestly a lot of times when I'm dealing with people It's like a lot of the people that come to me are people that I don't know because the people that I do know a lot of them they like I wonder if she really know what she's doing and then you get discouraged because a lot of people are not coming to you The people that you think would come to you not gonna be there not that's in this business any business Yeah, go to and then you get discouraged, but you can't get discouraged you have to keep pushing because they always say you know It's just one of those things where you just have to you know because with me I've been a realtor so long that I have people thank God that refer people to me Yeah, yeah, you build that rapport with the people that you don't it's like you have to just be patient enough to know That it's gonna come but you just got to keep pushing until when I think about a real Realtor or someone who wants to be a realtor if I want to be a realtor because I've heard people say this and I don't if this is Everybody's frame of mind, but a lot of younger people. I think it is they want to be a realtor and sell all those big houses Because I know that they're gonna make all this money I'm only gonna sell to celebrities or people have money and stuff like that. Yeah, and I know you've probably heard that before yes, so What would you say to people who have that frame of mind and coming in the door thinking? Oh, I'm just going Okay, where are they gonna get those people from? You know, you can always say what you're gonna do But how can you do that?  So You know, that's just and commission is hard and commission wise What does that what is the commission for a realtor based on of course? We know is the price of the house, but what else does it differentiate depending on the Company you're with and the company with the closing cost stuff like that. What what does it what? Each each deal is different. I would think so and usually as a realtor we do six percent Okay, and six percent of whatever the house can you do more worth we can do more. Okay, but the norm Six percent. That's just the norm Okay, it's six percent because you go in if it was somebody like me cuz we grew up together and be like I'm gonna do him four percent I would do you I mean, I'm just asking Okay, I'm just trying to figure out how those numbers go it's three percent But actually it's three percent goes to the seller Okay, the sellers agent. Okay three percent goes to the buyers agent everybody gotta get paid Yes, and a lot of people think well after you go under contract, you don't do anything else as a realtor Yeah, we do we do a lot of things that people don't know about we have to talk to the Lender we have to talk to the you know, we have to talk to the title company and make sure that everything is right So just to kind of start off I would tell people when they call me and they'll say hey I want to buy a house. The first thing I always say is I'll ask them if they have a realtor because people think they don't need a realtor But you really do need a realtor because by herself both because like I know someone right now so in their house and and They have it on the market for like 200 something thousand dollars But they said they don't want to go to go through a realtor anybody else because they don't want to have to share that money Of course they want all of that. Mm-hmm, and I think they're not in a rush because they would like to move But it's not like I have to like where it sell itself, right? But then how do they know how much it's really really worth because they're probably going off of something that they saw And they're like, okay, we're just gonna use this amount But as a realtor we can educate them and say, you know, you're thinking you can get this Google it what your house is worth in that you can but we do comps and Whatever it's selling for in that area. We kind of go by that amount And they don't have the comps or anything like that. You can do it that way, but it's not I Mean you could probably get more for your house if you go through a world realtor because we actually know, you know How okay how it works, but they always think that the realtor is gonna get six percent of there because As a buyer, you don't pay the realtor, right as a seller You usually pay the realtor the six percent and that's for the sellers agent and for that the buyers agent but a Lot of times they may get more By dealing with the realtor because let's just say if they're listing it for 250 And if the realtor do comps on it, they may be able to get 300,000 So you're paying the realtor and you're still getting when you say comes explain the comps Cumps like the the houses that's in the area and how much they sold for and They probably haven't researched that part to see how much the houses are that's sold in that area because right now It's such a sellers market that a lot of these houses are selling for way more than Right back then so they could probably get more for their house If they actually was educated enough to or talk to a realtor to say and we can just do some comps on the house to say Right down the street this house sold for 300,000 So you have your house listed for 250 if someone buys it for 250 It's like they lost $50,000 that they could have you know, other than those. Oh, sorry I was gonna ask her quite well. Go ahead. What is the biggest mistakes that you've seen? buyers and sellers have done even sometimes with a realtor at her side where they could have either gotten way more for their house or a buyer could have gotten it for way less I think a lot of times they don't work wise and all yeah, they don't research it and they get anxious and They think oh, I'm not gonna get anybody else to To put in an offer on this house. So I'm just gonna go ahead I always tell people sometimes, you know, you may get a good offer But let it sit there for a minute to just kind of see what you're gonna get So a lot of times they don't they're in pain. They're like they want it now They want to go ahead and get it sold or want to buy it now So I think that's one of the things that I would tell people to just kind of relax and Make sure that, you know, just don't give the house away Do some research on it and just be patient it just a few days and just let it sit there and just see what we get because Everything that we get from these different people is like we got to talk to the buyer about But I think that's the biggest thing like with the lady or the people that you're talking about right, right, it's like they They're gonna get an appraisal once they go under contract and they may you know Could have been at the point where they could have got a whole lot more, you know Okay, so we got we got a caller that's calling in gonna have a question for you Ashley Are you there? I'm here. Okay. We got miss Lorraine Taylor. Hi, Ashley Lorraine What's your question today for us for miss Lorraine? I have a few questions I would like to know what the ideal credit score is to get a house the ideal credit score is Higher than 620 now some people can do 580 but the interest rates are gun not gonna be as good as it would if your credit scores are high we can get you approved with 580 but they rather for your scores to be in the 620s and above because I think at 640 you can get Help you can actually get you know depending on it's the debt ratio because they go by the debt ratio But you're answering your question. It's about 620 That's good So I do want to know more about first-time home buyers.  What do you and it's always the credit score the middle credit score that you have It's not that If you have a 620 it depends on the the three credit burrows that you have it depends on which Number that it's gonna be that second. It's gonna be the Credit score of that third. I mean, it's the middle credit score. That's the one you have to look at It's gonna be the middle score. It doesn't matter which one it is. It's gonna be the middle score Okay That's good. No, those are good questions Ashley.  I'm Ashley in St. Louis, Missouri, and I want to move down to Texas to Dallas. Yes, okay But we love to have you for sure Thank you.  Other than the credit score and your income are there other requirements?  I really want to you know, look in it and see You know what it looks like because I really want to buy a house and my first question would be have you been approved Because we have to have you approved because if you're not approved There's really no need to even go and look because you don't even know how much you're approved for It's for until you actually talk to a lender. They take you know, they take all the information They're gonna ask you all the information. That's why I was saying, you know I would talk to you off-air so that we can you know, talk to my preferred lender and she'll you know Get all the information from you and then that's when we, you know, tell you exactly how much you qualify for and then that's when we start looking Okay, that's good stuff right there Can I pick your number down? Sure. You ready? It's two one four six eight four six nine nine four Lorraine love Taylor Lorraine love Taylor I appreciate you. Thank you. Thank you so much for calling in we appreciate you when you get to Dallas Like I said come by boss talk 101 you're gonna love it and you can also call me because we can talk about it And I can tell you what you know, what you're gonna need and then you know And I can get you with my preferred lender because you can do all that before you even get here So you can you can actually start the process now So so you'll have it wrote always tell people to start the process just in case you're not ready Then maybe If it takes you six months to be ready at least in six months You'll be ready because I have a lot of people always say what they want to do but then in six months They're still I want to do well. Yes, right. So yes, ma'am. Well, thank you for calling in Thank you for having me. All right That's how I go down you got Ashley she might move to Texas maybe Dallas. Yeah No rain. Thank you so much for coming on this show.  We was all we you know We got one more caller that's gonna be asking some questions His name is Keith Keith junior Keith. How you doing? Are you there? Yes, sir Hey, what's up, man? What what question do you have for miss Lorraine today? by real estate Well, the first question What are the top three to do before purchasing your home? I Think the top three is Credit make sure your credit is straight credit series, right? Yes. I always ask people that question Credit, what are your credit scores look like and I would think you out people? I don't know why but they always think they don't have to have any money. You got to have some Unless your credit is like a one like seven even if it's a one do you still have to have you still have to have some credit I mean you still have to actually have money because earnest money Option money and inspection all has to be done. Okay up front when you Those three things you have to have up front. So I always say money for sure how much money With that the earnest No, no, no, one percent of what the house comes. So, mm-hmm. So one percent of a say a million dollar whole Yeah, yeah, that's real. Yeah, but but but let's just say if it was $300,000 I would say $3,000. Yeah, you would have to come up with and then with the option money The 10,000 ain't that bad for me Okay I'm good. We over there living living Almost dead free, right? Really pretty much walking on that on that grass feel different on your feet Just bought when you buy you buy when you first getting into we first starting up You know, we decided to buy we didn't even go for the big way and we just did that in October But yeah, yeah, it's sometimes you just have to you got to play your cards the way you feel like they dealt doesn't know if you sell it's like They always say, you know right now sell this market. Yeah, but it's the sellers market But if you sell yours, where are you gonna go? Exactly an apartment So the first thing is you have to have your credit straight keep junior and the second thing is that you have to have some money What's the third thing? Cuz I always ask people okay, how long you've been on your job is it okay? Is it better to be married a single it doesn't matter If you actually have the money to buy by yourself because right now my daughter Yeah, okay, and I'm so proud of her for that man shout out to jazz jazz. What's up? What's up? You what you're looking?  I'm looking I'm here fine one. But yeah, it's Your job having been on your job that's good at least at least two years And and keep you been on your job for 20-something years. I don't think you're gonna have no problem I Got it. I actually wrote down Okay, come on with it My second question would be if all of your credit scores writing everything is on Could you still qualify for a first-time homebuyer loan or program if so, would you recommend that? Yes, you can and Like I was telling the first caller That's just something we would have to call the lender talk to the lender about because a lot of people do do the first-time homebuyer They usually get the money from there but There's so many different programs and it's kind of up to you to you know, go ahead and just say hey This is what I want to do. So a lot of times people do do the first-time home Programs and it's not bad. It's just you have to make sure that's something that you want to do But that's something that we would discuss with the lender But it is out there. Okay Yes, okay Third question Is it better to pay the full down payment? What do you mean full down payment as far as say say you buy home? Mm-hmm and and and to say 10,000 whatever home you purchase if it's down payment 10 down payment 5 is it better to do that or left? Oh Will they even let where they require you that absolute 10% or will they oh will they or will they let you work it in? If you got five and you like I don't I just got five but I want that house Well, usually you're gonna pay 3.5% if you're FHA long That's gonna be on toward it and then I always tell people when you get ready to buy a house Always tell them to try to have more money than not Enough money and I always say just say if the house is three hundred thousand. Let's do seven percent or eight percent Let's get that, you know into you know an account that way when you get ready to close on the closing cost and all that I'd rather have too much money than not enough. So that's kind of what I would always tell people Try to get at least or save up at least that seven percent And then that way you should be okay with you know closing you may not even need that much because hopefully you'll get some kind of You know when you actually do the first time home buyer Hopefully you'll get some kind of you know help with that and then I would rather for you to be able to just say okay I don't need all this money, but I might want some furniture later Get that furniture Yeah, you're gonna be in there this old buck. I know some people they buy a big house and don't have no money to put furniture in They just sitting up in there and they got nothing but a Couch and they sleep on the couch and they house they bought too much house It's a better for a person to buy a brand new home or go that's been existing It doesn't really matter. It's like a lot of times Want to get this old boy six questions out the way, okay? We're gonna go in on it anyway. What's your next question? KJ? So with it with the economy how it is right now. Is it better to buy at this time? Oh, wait interest rate how they are or should we hold back? If you could buy at this time the interest rates are great So it's good to buy the only thing is you know I do have a lot of First I do have a lot of people that's actually looking for Builders because it's easier where you can just go in and tell them this is what I want and they'll build it but It is a good time to buy but it's such a seller's market is stressful because you find a house that you love but There's multiple offers. So there's probably about 20 people want the same house that you want So sometimes you get discouraged because you can't get it But it's a great time to buy but you just have to be patient. Wow. So, yeah, good questions Yeah, that's what I've been trying to be patient, you know That's good good good answer, you know that I just want to hear so the other ones is kind of you know Well, I can kind of answer myself But I want you to answer them for me if if that's okay. Is it better? As a realtor, what is your purpose? As a realtor we give you knowledge we Whatever you tell us it's between us and a lot of people it's like if you don't know you don't know and a lot of a lot of times we think since we're realtors all they should know this but We just kind of we have your back.  But if you don't get an inspection, you may not know that, you know, they've had foundation issues So as a realtor we kind of educate you on things that you may not know And you may not even think about but that's our job to just kind of make sure that you know We take care of you and we just try our best to you know, get the best for our clients. All right Hey, man, okay, go ahead. Go ahead. Go ahead. Of course. Let's go. You got one more question. Keith. You done asked about 10 questions Go ahead and go ahead and get this one out. We wait. Yeah, you didn't took over the show. You were worse than Charleston white You didn't took it over Go ahead, brother Okay What are the benefits of buying a home for the audience? Oh, do you want to make your landlord rich?  All right. Yeah. Well, keep joining.   I'll send it to you Thank you. All right, thank you for calling in Okay Go ahead The official mr. Maker you had a question that you wanted to ask I have another question So what are the things a buyer should know about a realtor when they're searching for the proper Realtor to represent their best interest. What give me like three questions that I should ask a realtor when I'm interviewing them to make sure that You know, that's a good question Like what what yeah, like if you was outside of you and you was buying a house What would you look for in a realtor that you picked if you had to pick one pretty much is that what you're saying? Well, don't they go for the first person that's okay. I'm a realtor. I can help you but You know, is it the knowledge? Is it how long you've been there? Is it, you know, who you know? It's just different things the knowledge is all I mean, it's the knowledge because You want them to fight for you as realtor is it's like we We have to have that knowledge of okay. We have to do our research and we just have to Because I think with me a lot of people they trust me because I mean I'm just real and you always want to find a realtor that's real and is going to tell you what you need to do and How you need to do it because I'm the kind of real to where I'll call you and I know that's probably not what you're talking about, but I'll call you and if you're ready then I'll Continue to you know, call you give you information and you know I you want a realtor that's gonna explain everything to you because I've had people that would Say they dealt with realtors before and they're like they've never broke it down to me like this So you want a real very informative. Yes, there is like okay this is what we need to do and You want a realtor that's gonna encourage you that's gonna say yes You can't because I know a lot of people that they think they can't you know by Holmes But you know, I know a lot of times like you said they do Interview us, but me. I'm just being real. I'll tell you like, you know, how I feel I'll tell you what I'm gonna do for you.  Yeah And then I'm gone, you know, that's not me. We first bought our home. We was so green I got asked a couple of people like what you know, but you know, what do you I didn't really know what I was doing Tennessee shout out to Tennessee. I don't even know if she's still living. She was a older lady Shout out Tennessee with a what day with Banker. What was it? Call well Banker shout out. Call well Banker. That's who put us in our home Call well in Tennessee. But anyway Tennessee was she showed us the house. She was I think she really cared because she knew we was young and new new to it But but what I wish that she had done because you know living your first time home, you're just so excited to get a home Yes, you're not so now that we're in the home. He's like, oh, I wish it had this. I wish it had that You know that type of thing. So I think real realtor should more interview Their clients and say, okay, are you a person that's gonna need a lot of closet space? Are you a person that? Entertains a lot in your kitchen as much as I found this house this house might not be, you know, right what you really need I think you might need this. Yeah, but that that comfort time to that come that you evolved over time You've definitely evolved over time, but if she had asked certain questions, it would have Made us think a lot more. I don't think it would have made that big of a difference in the place that we were at As a couple, I think I think it matters where you're at and what you What you understand things to be at the time that you're purchasing your home Because I do ask questions. Huh? It would have made a difference for me. Really? Yeah, because I do You were so quiet and and you didn't really say much as nothing back then Somebody asked me a question. I'll answer them. So it would have it would have triggered certain things in my She a different person Evolution has happened with this one. I am I am but it still would have made me think I was I was just so super excited to get my first home. It looked pretty and you're not thinking about the Functionality of your every day, right, you know, moving around in your house and stuff like that. It's like, oh, it's it's pretty I like it, you know, I know we've added bedrooms. We did a lot of stuff over the years. You do things after you Yeah, I wouldn't trade my house for anything. No, but still but but it's comfortable The kids are they'll kill us both if we sell that house because they've been there their whole life They don't know nothing else. So they they're gonna be like, no, we're not moving nowhere. That's not a house as a home now exactly So you you get the house. I know when we first got our home and I definitely You know, we was we were young but we love God So I remember we had gotten money back and I told Steph I was like if we get a certain amount of money back on closing costs Then we're gonna bless some people. So we took the money that we had got over and start We went hand a hundred dollar bills out downtown Dallas and we hadn't been together before about four or five months So that was one of the first things, you know, that's how I got it. She could you can't deny when yeah You you start handing our money to homeless people and start doing things for God It's a whole different level. You ain't no other man. Have any did you do that with any other man? See that that's that's what a difference come in you say Well, how can you stay with him and she'd be like, well, how could I not? Because ain't many people going out here really giving a heart and doing things from their heart and and saying God blessed us with a home now. We're gonna go bless somebody else And and and give them the closing costs money that we got back To these people, right? So I think that that makes a difference. I that was one of the stories I remember we don't tell that story much either. I bet we ain't never told nobody that story Man shout out to uh the Smith family who really we turned up But but no, I think that's that's the stuff that makes you different and but I but we still was after we got the home Um, we still was uh, like you said we had to make the house a home, you know You know what I mean? We had we now we got it. We got to try to figure it out But it felt good versus being in the town home. We was in because I do ask the question on what's important What do you want and then I do have clients where they Think they want this house and I'm like, look remember what we talked about Exactly you wanted a large yard. I know the house is nice, but this is not the only house You know, we're gonna look at so what you said patience earlier and I called that like sometimes they'd be so Ovan just and it's like and then they think oh my god. I'm not gonna get into the house like this So let's just do it and I'm like But this is something I'm not gonna pay not one of your bills So make sure this is something that you really want to be in and when you drive up to this And I always tell people because I did this when I was um looking for a house I always tell them you'll know when you know, you might not get and you might think oh, this is it Then you don't get it. So it's not well I was kind of you know, I was so so I had been dealing with Protestant Christianity So I I don't like to tell this story, but I went to this other house and I walked around in seven times Because I seen it in the book of Joshua So I thought the walls was going to follow the door going to pop open and I asked God for that house and that wasn't my house And I just stood there a little crazy after I walked around it So what do you do when God say no when he said this ain't your place a lot of people uh Sometime would give up But God still has ultimate plan So we ended up being not far from that place where I walked around But it was another place for me and a lot of times you would say thank you God I was happy. We definitely loved the neighborhood. Yeah, you didn't give me what I wanted. You gave me what I need Exactly. And that's what's up with it. So so how what about you and uh, mr. Taylor? Let's get in your kool-aid and and and and stir it up a little bit Uh, the sugar and all that get it mixed real good. What uh, what how did you guys, uh, how did y'all come up on? Y'all spot, you know, you keep it real hood. How did y'all get over there where y'all was at? He was at um training camp and I got bored and I just started just driving around and I'm like, oh I didn't know these houses were here And I found it and I told him that you know when you get back. I want to show you some houses because we were looking Yeah, yeah, we were like, okay. Y'all hadn't gotten married yet or y'all had got okay Y'all got married and y'all say now we're gonna go find a home. Okay. And so when I did that and when he got back He's like, okay, what are you?  Yeah So that's what we did and it's like he walked in there and he started kind of like Doing things in his head and I'm like, okay. I know he's feeling it. He's feeling it And it's like it just happened man are real organically and it's perfect. You know, you feel the same way y'all do because it's like We've been in our house for 17 years. Yeah, I'm like, I love we all we've been the same situation Yeah, it's like I would not change anything. It's and and you made it a home now You made it a home now. That's that's what matters when it when that house becomes a home, you know And you've raised children in it. Yes, man That's what's up, man And the kids grow up and they know their room is over here or was over there if you got to go Because we don't kick kids out too. We didn't just raise them and we put them out They grown now. They got their own house So I got one last question. Yeah one more one more before we get out of here I've been seeing a lot of Realtors on instagram and one thing I love is after they sold a house And the buyers come in I'll see a gift Yeah from the realtor and some of them gifts looking real real good We think about getting the house for a gift.  Hold on. I've seen some people get a Louis Vuitton purse That's the million dollar home I've seen some nice Gifts that some of these realtors be giving their clients and I'm like, wow That's what's up. I mean, I so do you practice giving a little bit sometimes that's a blessing each closing I do give something something just I still got Tennessee signed that she stuck in In the yard. Yeah, that's all we got left nothing for our house. No, we got this sign Just the sign The sign up we had to put the sign on the side of the house and it stayed there for pretty much 20 years Yeah, okay. Yeah, it's been there That's all we got man So thank you so much for coming on the show man And if you ever have something that you want to push out to the masses you can always come back by If something new happens in real estate and we really need to inform some people I'm gonna ask you to come back. Would that be okay? I appreciate you for coming on the show. So you're not gonna ask miss lorraine Love love taylor about the top three artists. I don't know. Do do you even listen to music? It can be any do you listen to music? Okay, so well, we'll hear the widow. I wasn't gonna get I wasn't gonna put out there because I Top three artists of all time Dead or live in music genre. We just she jumped you in it because really I was gonna let you make it But uh top three Michael Jackson's a number one. Yes. See what I mean Because I know That's the first baby first and I'm a baby face dude, too Yeah, yeah, that's what you was on that r&b. You know, I put that r&b on you girl I like when you sing it. Okay. Okay. Yeah. Yeah. Okay. Let's come back. Let's come back. Let me see No, no, no, let's go. No, what you need to do is give me that last one.  No, no, he's whining too much for her. She don't want that Let me get a girl like Whitney Houston. Whitney Houston. Bam first Whitney Houston first baby face About the third or fourth Michael Jackson. Yeah Man, that's a nice top. I can't argue with you. You from hometown. I can't even do that. Anyway, man So thank you so much. Lorraine. Hey, man, and and definitely want you to come back Definitely want you to be we're gonna definitely be this is gonna broadcast over apple podcast Spotify What google podcast sticher? I heart so we we definitely uh, you you'll you'll be able to see it on there. Um, she's the one controls that so But I but i'm gonna get you the visuals. How about that? Man say boss talk 101. Are we out?


The last quarter of the night, the pineal gland is at the highest level of secretion. That means you can stabilize substantial research into this. So that is labeled as Brahma Mahodham or the time of the creator.  In the human system, because of the nature of planets relationship with the sun and the moon, certain things are happening in the human system. What is considered as the last quarter of the night? We consider from sunset to sunrise as the night. The last quarter of the night, at that time there are physiological changes happening in the system. They've even found, even the waste material in your body, like your urine for example, at that time has qualities which it doesn't have at any time of the day. There's substantial research into this these days. So the entire body is in a certain conducive atmosphere. There is a natural production of what is called as malatonin, which is a secretion of the pineal gland. So the pineal gland is at the highest level of secretion in the last quarter of the night. So we want to make use of this. So anywhere between 3.30 to 6 or 5.30 or whatever the time the sunrise happens, is considered Brahmamurtam because your pineal gland is at its highest level of secretion. That means you can stabilize. In modern medicine it is seen as a mood stabilizer. Well, I've been talking about bringing yourself to ease. Bringing yourself to ease means that you are not a fluctuation, you are at ease. This is naturally happening at a certain time. At that time people want to sit up and do their spiritual processes so that they get the best benefit. So that is labeled as Brahmamurtam or the time of the creator. Or you can look at it this way, it is a time when you can create yourself.


So the next presentation is called the design of Zudu and Zouf. It's a paper by you and dame, Seth Hofholt, Shil van Asch and Connie van Keer, and Shil will give the talk. Okay, thank you for the introduction. Hello everyone, so indeed I'm going to talk about Zudu and Zouf. So this is the outline of my presentation. I will give some motivation for this work. Then I will go through the definition, sorry, of Zudu then Zouf. And I will conclude with some words on how to use Zouf. How it can be used. So first, motivation. The motivation starts from the very title of this conference. We want to have fast software encryption. And presumably it needs to be secure, all right? Usually we don't only need confidentiality, but authentication is also important. Sometimes we need authenticated encryption. And it needs to run fast on software, but yeah, hardware, this should also look that. But more generally, we would like to have something that runs fine on a wide range of platforms. Because in many applications, you can have small devices that interact with the high end server on the other end. So the same algorithm would be nice if it can run fine from the low end to the high end. So one way to do this would be to have some very small primitive that can be used in a mode or in construction where there is a lot of parallelism. So the small device can just compute this primitive serially. But then as the platform grows, this primitive can be computed several times in parallel as much as the platform allows it. And so last year, we presented something called it's a construction based on permutations. And it has a lot of parallelism. So let me go briefly through it. So it takes as input a secret key k. It goes to, so there is a permutation f. It goes to the permutation to create a mask k. And then there is the input of this, so the random function is divided into blocks. The mask is going to be exalted into these blocks, but the mask is going to evolve through a rolling function depicted in blue. And then all these resulting sorts will go through permutations and the outputs will be summed. So you can see that all these calls to the permutation can be parallelized. Then the sum goes through another call to the permutation and then the output is again going through a rolling function to be diversified. And we saw the secret mask and this gives us output blocks. So again, the output can also be parallelized. So last year we proposed an instance of Farfale using the Ketchak permutation with 1600 bits and the result was called Kravate. Well, 1600 bits, that's a big too much for low end devices. So one option would be to go for instance to Ketchak P400, but Ketchak P400 uses 16 bit lanes, which is not very convenient on 32 bit platforms. So instead our motivation was to try to have a permutation that fits nicely in this setting and that's Zudu. So please meet the mascot of Zudu, so it's a very robust animal. So yeah, basically Zudu takes a lot of inspiration from the Gimli permutation. So the Gimli permutation is defined on 12 words of 32 bits, so it fits nicely in the registers of typical arm processors. We reuse that idea, but the round function itself is more inspired from Ketchak components than anything else. And our main purpose is to plug this permutation into Farfale as I just explained and the result is called Zuf. Another purpose is to plug it in the duplex construction, the result is called Zudyak, it's available in the Zudu cookbook, but that's not the purpose of this talk. Okay, so I said that we have 12 words of 32 bits, so actually the state is organized as four times, three times 32 bits, this picture only shows eight bits in the side direction, it should be 32 just for the picture, so that's the state. The state consists of three planes of 128 bits and each plane consists of four lanes of 32 bits. A column is something that we are going to use a lot in the round function. So the round function consists of first theta, the linear mixing, row west we will move the planes independently of each other, then chi, the nonlinear, the S box, and row east again we will move the planes independently of each other, and of course there are round constants. So first chi, so chi is really a three-bit S box just like the S box of Ketchak, except that is on three bits instead of five. So to compute one output bit, you take two other bits from the input, one of them is complimented, then you take the product of these two bits and then you absorb the result to the third bit and you do that for all the three bits. It's a degree in two function, but it's also an involution and it has nice properties in terms of propagation of linear masks and differences and yet it made the analysis much easier in terms of trace, I will give a few words on this. Theta is the mixing layer, so it's a column parity mixer, so the idea is that we first compute the parity of all the columns here, then there is some folding, so the idea is that two copies of the parity are sort together with different translations, then the result is sort back into the state and that's the result. So if you have just one bit set to one, you can see the effect, so the parity will be one bit, then the folding will be two bits and then six bits will be sort to the state. Of course if you have two bits set to one it's the same column, the parity is zero and there is no effect, that's the kernel. Row east, we don't shift the plane at y equals zero, we shift by one position in the z direction, the plane at y equals one and at y equals two, we shift by two positions along x and eight positions along z. And then similarly, row west, one shift by x on the plane y equals one and 11 shifts along z in the plane y equals two. So these planes, they move independently of each other, so all the structures on the columns will be destroyed for the next round. So that's the pseudo code of Zudu, so first data computing the parity, having the two copies and then storing them back, row west shifting the two planes, yota round constants, sky computing the products and then storing them back and then row west moving the two planes. Okay, so in terms of cryptographic properties, clearly the security of anything based on Zudu would be limited by differential crypt analysis, so the maximum probability of a differential from delta A to delta B, but finding this maximum differential is hard to determine. Instead, we look, we approximate this by the maximum probability of a differential trail. Differential trail is a trail that it's a differential where each intermediate difference is specified. And similarly to the design of Ketchak, we have something called weak alignment and that makes this approximation plausible at least. Okay, so we, instead of talking about differential probabilities, we talk about weights, which is the negative logarithm of the differential probability. And we looked at Zudu and tried to have bounds on these, these trails using the techniques presented two years ago. So what we started with the, all the trails of three rounds up to weight 50 and there we could find one with weight 36. So that gives us a bound of 36 for three rounds. Then we could extend these to six rounds. I mean, we could not extend them to six rounds. We could have, by showing that we cannot extend them to six rounds, we have an argument that says that any trail on six rounds should have at least weight of 104. And then for four rounds and five rounds, we also did the exercise that's updated compared to the paper. So for four rounds, we could prove the bound of 74 and we found an instance of 80. So we don't know if this 80 is the best or not. We just have an example. For five rounds, we didn't have an example, but we could prove that the weight is at least 90. And the same goes for linear. Differential and linear trails have the same bounds on purpose by design. We choose the rotation constants such that this situation is like this. So the diffusion is pretty good in terms of the strict avalanche criteria. We need 3.5, three and a half rounds in the forward direction to have full diffusion. And in the backward direction, the inverse of theta is heavier and then we just need two rounds. I think that's it for Zoudou. So Zouf is just taking farfale, plugging in Zouf in those Fs there, all the Fs. We also, so yeah, Zoudou is a family of permutations parameterized by the number of rounds. So we use six rounds of Zoudou in Zouf. We also need to define the rolling function. So for the, on the compression side, the rolling function is linear, operating on a full state. And on the expansion side, it's non-linear and also operating on a full state. We make a security claim of 128 bits of security. I think it's both daytime and time. I don't remember exactly. And we also make a post-quantum claim. If someone has access to a quantum computer, then the security is two to the 96. We don't make a claim for someone who would implement this on a quantum computer. That's a different story. Yeah, so I said our goal was to have some good performance on a wide range of platforms. So let me give you some numbers. So let's start with the Cortex, the ARM Cortex M0. So for long inputs, we can reach 26 cycles per byte and long outputs, similarly 25 rounds per byte. And then as a comparison, the AES 128 encounter mode is about five times slower on that platform. On Cortex M3, which is a bit bigger, we can reach between eight and nine cycles per byte for long inputs and long outputs, compared to something of about four times slower for the AES. Then on more the high end, so that's on the skylight processor, we use the AVX2 instruction set, which allows us to have eight instances of Zudu compute in parallel using 256 bit registers. And there we are slightly slower than AES, we are below one cycles per byte, but slightly slower than the S, but still using something that is a general purpose instruction set. On the Skylight X, the more recent processor, they have AVX512 instruction set. There we can compute 16 instances of Zudu in parallel. And there we again are below one cycles per byte and then we are even faster than the AES using hardware AES instructions, of course. So let me conclude this presentation by now, assume we have ZOOF, what can we do with it? And actually, Farfale implements something that we call a deck function. So a deck function is not a new construction I'm going to define just a way to capture that kind of functionality that Farfale implements, so ZOOF implements. So deck stands for doubly extendable cryptographic keyed function. And so it's this FX here, it takes as input a sequence of strings, so from X1 to XM, and it's going to produce some output bits like a PRF, but potentially an infinite number of output bits. So now I'm going to explain a little bit the conventions when we saw a string of a given length to another string of another length. The result is the length of the smaller of the two strings. So I have an infinite, potentially infinite number of bits of output bits here, but I'm storing that to zero to the end, so I effectively I'm just taking n bits of output from this deck function. Then this shift by Q means I'm skipping the first Q bits, so what I'm doing here is just taking n bits from this deck function starting from the offset Q. So from offset Q to offset Q plus n minus one. So it's doubly extendable, meaning that it has some incrementality properties. First on the input, if you compute FK of X, then you save some state, and you want to compute F of Y after X, then the cost of computing this new, making this new evaluation does not depend on X, only depends on length of Y. And clearly the Farfale construction allows for this. And similarly on the output, so it's also extendable on the output, you can request first a number of bits, then more bits and more bits, and every time you ask for more bits, you don't need to start from the beginning, you just pay a cost that is proportional to the number of bits you ask for incrementally. So having a deck function and using this idea of having a deck function, you can build some modes, and I'm going just to give one mode as an example, we call this mode deck sanay force. So it's a session based authentic and inclusion mode, session and non-spaced. So first session because it's a stateful object, and we can ask authenticative encryption of messages, and every time the tag authenticates not only the current message, but all the messages, the sequence of all the messages that have been received so far, that's the session. So at initialization it takes a nonce, then we are going to use some bit E, that is just one bit, that is going to toggle from zero to one every time we switch from one message to the other. History is going to capture the input of my deck function, so it starts with just end a nonce, and we create a tag, an optional tag on just the session setup, just authenticates the nonce. Then if a message comes in, so it contains associate data A and plain text B, we start by creating some key stream here with the R deck function, so now we still have only the nonce. We skip the first two bits because we use them for the tag here, and we saw that to the plain text B, and that gives us the cipher text. Then we update the history by adding the associate data and zero to recognize it E to recognize the current message, same for the cipher text N1, and we produce a tag on the current version of the history, and we flip the bit for the next iteration. The next iteration is going to start with this with the same history, just skipping the first two bits because they were produced as a tag for the previous message, and it goes on like this, and E toggles from zero to one every time. If we instantiate deck Sunny with ZOOF, the result is ZOOF Sunny. We also propose a mode called deck Sansei, which is basically it has the same functionality, but there is no, the nonce is constructed in SIV kind of mode, so the SIV is constructed from the message, sorry, the nonce is created using SIV from the message, and then deck WBC is a wide block cipher, so it provides authenticated encryption with minimal expansion, and all this is available in the extended K-check code package. And that's it, thank you for your attention. Any questions? Okay, I have one small question. So you mostly introduced it in the context of FORFALA, but should I see ZOOF as a standalone permutation or is it really designed for FORFALA? No, you can use it for other purposes. For instance, if you take 12 rounds and it's sufficient to be plugged in the sponge or duplex construction, it's strong enough for that. Okay, so no other questions, let's thanks you again.


Ukraine's President Volodymyr Zelensky has visited troops near the Kupiensk sector of the frontline in the country's northeast. He announced on social media on November 30 that Zelensky posted a video of him visiting a command post in the area alongside one of Ukraine's top generals. The president thanked the troops for their sacrifices. I wish you victory, to be strong, and not to lose initiative in defending Kharkiv region, Kupiensk, and every our village and every square meter of our land, he told the assembled soldiers Ukrainian troops have been weathering Russian assaults on the Kupiensk front over the last several months, as Moscow seeks to push back in a sector where it was humiliatingly routed in a lightning counteroffensive over a year ago. Moscow has made some small, incremental gains gains in the area since September, but the front lines have not moved significantly.


Maikano, who is the real enemy according to Chicho? Centralized power is the real enemy of humanity. Because centralized power tries to censor humanity, tries to control every aspect of our lives from the food we eat to where we can go, to money supply, to what we're injected with for fuck's sakes, to what we can say, to what we learn in school, to what we see in media. Centralized power, there is no doubt for her.


The Nigerian Navy's continued efforts to reduce maritime crimes along the nation's territorial waters and the Gulf of Guinea. This is in line with exercise-grown African Nemo 2021, recently flat-off by the Navy. A correspondent, J.C. S.A., has details. 13 ships and two helicopters belonging to the Nigerian Navy set sail into the high seas on Thursday, following the commencement of the exercise. Exercise-grown African Nemo is hosted by the Central Naval Command and the operation is led by NNS Thunder. No fewer than a thousand personnel, including the French Navy, are participating in the exercise which is meant to boost security in the Gulf of Guinea. The flag officer commanding Central Naval Command rare admiral Obi Ibuchulam highlights the importance of the exercise. It is very important considering the multinational nature of maritime crimes for exercises such as exercise-grown African Nemo, which serve as viable platforms for multinational and multi-agency collaboration in the fight against these maritime crimes and in ensuring security of the maritime environment overall, particularly in our subject. When African Nemo also consists of a drill, different ammunition are being fired. The flag officer describes maritime crimes as transnational, hence the need for multi-agency collaboration. Maritime crimes are transnational in Nigeria and you will recall that last year, the pirates' incident that occurred in Nigerian waters, the pirates were arrested here in our waters. It involved a French person, sorry, a Chinese person. Maritime Domain Awareness Infrastructure and the Special Boat Services SBS of the Nigerian Navy are also deployed for the exercise which is expected to last for over a month. And as always, thank you very much.