Once again, ladies and gentlemen, boys and girls and children of all ages, you are now tuned in to The Prince of Invest and coming to you guys and girls live all the way from the beautiful city and state of Haluahua, Hawaii via Denver, Colorado But don't forget to hit that like subscribe comment and share button How have you maybe catching this across the globe? But I thank you for tuning in if you're catching this live and or if you're catching the playback So the first thing we're gonna do today We got a very very special episode today coming up as you guys and girls can see we're gonna be talking about real estate And also this is gonna be a very good topic for all of our veterans All I've asked duty military all of our veterans to learn a little bit about their VA loan VA benefits Purchasing real estate. What's going on the world of real estate? Is it a good time to buy? Is it a good time to hold? What is the VA loan compared to a convention loan guys and girls? I better stay tuned y'all know. Well, it's gonna have a good episode here coming in At The Prince of Invest but I've been having a very beautiful day, but I got a very special guest today coming calling in He's down in Haluah, Hawaii He's a mortgage loan officer as well Military acts do the military, you know military major in the army and also he's a mortgage loan officer as well You know, I think he's been military now for about 19 almost coming up on 20 years And he's helped out, you know plenty of veterans around the world get into their first home sell their homes Refinance all of the great stuff. So What I further do let me introduce My guests and my cousin here, Mr. Sean Sutton. How you doing today, sir? I'm doing fine. They're friends. How are you doing? I'm doing outstanding. First of all, I want to say thank you for coming on and maybe I'll botch your interview I'm not not your interview, but your bio there a little bit So if I miss something kind of tell people about Sean Sutton who haven't seen or heard you what you got to say Well, one thing I'll say is that introduction was excellent But just like you stated myself, I am Currently a member of the United States Army Reserve I did a lot of years there on active duty and it kind of led me into this field of Becoming a mortgage loan officer. So they kind of give a little background on that in my story I'd love to tell this all the time to my clients Myself I never owned a home before until actually PCS out here to Hawaii And that was the things that me and my family we had to come out here From the perspective of my goodness look how much everything costs out here because that back home from where we're from I'm from Georgia and she's from Florida and We kind of look at each other was like, you know what I think we're rent for the first year So it wasn't until we actually got to our home and start noticing our neighbors who are active duty service members Just like we were family members and so forth We started to kind of look back and say, you know what we're paying an awful lot of money to You know, basically pay someone else's mortgage, you know You're out here and you're looking at a three thousand dollars to rent and then you add on the additional for like Utilities lights waters that kind of thing on a monthly scale for your housing cost can easily run you more for $3,500 just depending on Exactly what your needs are for your family size. So with all that being said it led us to kind of reevaluate how our finances were going and Let us to going in and talking with a financial expert alone officer and just seeing what our purchasing power was and Subsequently right after that, we were able to go out and purchase our own home and kind of, you know Look at ourselves in different lights. So, you know, we should have done this a long time ago and Started getting our hands into the real estate business Got it. Okay now for the people out there ask, you know What's the difference between a VA loan and a conventional mortgage loan? You know, what's the what's the difference? So when you start talking about a conventional loan the conventional loan pretty much anyone can utilize that From that aspect because it is open up to everyone There are different parameters that come along was using the conventional loan They may have to where they want you to put a certain percentage down It can be anywhere from like 3% up to 20% And really what you're trying to do was that it is opened up There are some different loan to value percentages that go along with it But when it comes down to most things people are looking at in terms of money like how much money do I have to show up With out of pocket to be able to get this house. So you're trying to avoid things So like having 20% down will pretty much allow you to dodge things like private mortgage insurance that you have With associate with your loan when you're doing a conventional loan if you're coming in and you're like most Americans You may not have that especially on the housing costs is ranging half a million dollars $65,000 maybe you're coming in with 3% if you why not coming in with something like that You may find yourself with private mortgage insurance with on a monthly scale Could equate to another $300 a month so it can be rather costly For those of us who are fortunate enough to be eligible for the VA home loan benefit However, when you're in a high-value market such as Honolulu, Hawaii You're able to come out and pretty much you have zero down payment I say pretty much, but is it zero down payment when you come out? Come out of pocket. That's huge. So that's one of the key advantages there So there's no private mortgage insurance as I spoke up before and when the government back loan things of that nature Interest rates relatively are the lowest So those are three key areas right there when it comes down to this VA Simply love about that product Okay Now with the VA loan you just spoke about You know one of the big things is that you don't have to put anything down Conventional loan JP Morgan just came out and said you're gonna have to put 20% down and have a 700 credit score And all of the great stuff like that, right with the corona virus is going on You see people lose their jobs unemployment numbers came out today jobless claims came out to about 30 things like 20 to 30 million in the last four months That's filed for unemployment and things like that with the current Times that are going on right now. If I'm in the market to buy a home Is it a good time to buy a home? What's a good time to sit on the sidelines? What do you got to say about that? Well, what the recent events that are going on now is pretty much split the market you have those who are Pretty much that can sit back and they have the luxury of being able to go out and make that buy so to answer that question quickly Is the good time to buy if you have the ability to buy if you find yourself in a situation where Your employment is in jeopardy.  You're gonna find out a lot with state employees government workers If you're self-employed and you have a central business that's still available to you right now what you're seeing in the market There was a lot of volunteer Volatility when it first came out, but it eventually began to settle So what we call a bit of a roller coaster led to some really extreme swings Which you saw good enough areas where rates were super low and you can take advantage of that So what I was telling clients if you were in the market to go out and buy home to go out there and actively shop Because there will be a window a time frame to which you'll be able to come back We can lock your loan and really low rate that's not there prior to COVID and you could take advantage of the market Hmm So now what do you have to say to the person that says maybe housing prices are going to come down? I can get a better price. You know, what is the future of housing prices that we see so many people don't have jobs so many people are Not working What do you have to say for the future of a housing prices? You know, should I just wait and get a better price? You know, I think some of these houses are going to come down. What do you got to say to that? Well, a lot of that really depends on the market and the area to which you live in If you're just looking at in terms of like Hawaii in a sense Here we have a couple of things that kind of protect itself in terms of pricing in this one The big things always point out is supply and demand Because it's an island. We don't have a lot of land. There's a lot of people who come here. It's a tourist destination So inventory can sometimes sway right now. It's low You do have some shoppers out there Pretty good amount And it really has not deterred a whole lot of people from going out and still actively buying now Over the course of the last month or so sales have gone down but you still have people who are out there willing to sell their home and trying to uh, you know Move on with life as normal But those buyers that haven't deterred them because if you look at the terms of a VA loan Um, you still have different entities that are still on island. You have those who are living on base housing You have those who are coming out of rent or agreements life still going on and those individuals are still receiving their paycheck So the market itself is really Advertisement to them. So they're able to go out there and was Not having so many shoppers out there and able to take advantage of that in terms of overall house pricing in pricing in the future I really see that. Um, it's going to be a long-term effect. So how is covet going to affect those? Um after the fact when we get back to work Just because we've gone through this period where you're out of work. It's going to be lingering effects to that So when individuals start making that money back or you may have some jobs that may never come back You got few and fewer shoppers that of what that translates to housing Dropping and again, I go back to it just depends on your area where you live at for here I think there will be a little bit of a dip but then you can see it storm right back Hmm. Okay. So now the federal the federal reserve The Federal Reserve chair, Mr. Jerome Powell He recently in February is a way to stimulate the economy going into the current pandemic He lower interest rates to an all-time low Like 2018 to like his zero to 2.25. I want to answer this question. What is interest rates with the Federal Reserve? Interest rates. What does that have to do with real estate? So the way I explain this to my clients is when they make those announcements, especially like I'm from a federal level um A lot of times that does not equate to what we consider to be the mortgage back securities So when they say that they're going to drop interest rates, we're talking about your credit cards your small term loans our short term loans, I should say Smaller loan amounts and people were giving us a lot of phone calls, you know, they were calling and saying, hey, you know Interest rates are going to be uh 1% are like there is zero percent. Hey, should I come and refinance and you have to tell them? You know, that's not applying to your mortgages is is talking about those Short-term rates small loan amounts things to that nature your credit cards You can look at trying to get those uh, you know those APRs down and things of that nature But as it retains to your mortgage back securities and so forth You just not see that translate over and not until those stimulants went through and then you saw more Secures being pumped into the mortgage market. Um industry and began to kind of sell things down Okay, now when you say that We didn't start seeing that into what part of the stimulus you were saying that we didn't start seeing that or whatnot Um, I believe it right after the 2.2 trillion took effect to see a little bit of a stability going to it and then thereafter I believe there was a secondary that came about and you start to really see the the industry respond for its rates Um Still would you still have that fluctuation that's still ongoing, but it's not as bad Hmm Okay Now you spoke about, you know, you kind of touched on the topic of refinancing with the lower lower interest rates or whatnot, right? But now as we look at the real estate market in general Over the next short term. Do you think real estate? Is destined overall, you know, just speaking of just uh, I know hawaii is a different market But just overall, what do you see in the next six months because a lot of people out there saying hey prince You know, I want to get into the real estate investment trust or I'm looking to get into real estate of some type of capacity What do you see in a short term within the next six months that you can see real estate is going? Well, I think right now, um, if you're looking just in the short term, um If you're seeing prices start to drop, I think that's going to be advantageous for those who are looking towards investing I mean, it's all going to go back again.  Do I want to actually sell my home and put it out there? Or do I want to wait? So I think you see a dip in terms of um, you know Depending on what my situation is. I gotta get rid of my property. I may sell it for lower So it might be advantageous for that person at that time to go in and make that make that buy and get a property That was relatively, you know more expensive at a lower price point and take advantage of that Or you can see um after the fact Um Again when you get more folks out there. Hey, maybe um from a seller standpoint, I'm able to go out there and sell my property for uh I got more pretty much more buyers out there so It's very unique situation as it stands right now in terms of the markets a lot of unpredictable factors out there They'll be interesting to see as we move forward Okay, right here. We're going to take a quick break. We're going to go into a break But once we get out of this break, we're going to get into the concept of what are some best ways to take some advantages Of what COVID-19 has pretty much put America in the world on pause And you might pretty much hit the reset on the u.s economy And what are some ways we can take advantage of that using you know what our veterans out there and what our people Or who may not be veterans or what not what they want to do So we're going to take a quick break and we'll be right back. Hi. I'm rosty kumori host of beyond the lines on think tech hawaii I was the head coach for the punho boys varsity tennis team for 22 years And we were fortunate to win 22 consecutive state championships My show is based on my book also titled beyond the lines and it's about leadership Creating a superior culture of excellence and finding greatness I feature a wide range of amazing guests who share valuable insights about how going beyond the lines leads to success In everything you do in life I'm looking forward to you joining me every monday at 11 a.m. Aloha And we're back here live on the prince of invest and coming to you guys and girls live all the way from a beautiful state Of Denver, Colorado via, you know, the wonderful city and state of hallelujah, hawaii And we're getting back into it talking about real estate investing going on with this pandemic or whatnot So now we've got our special guest mr.  He's a you know, he's actually he's on reserves right now And he's down in halloween hawaii and we want to talk about right now What can people be doing To take advantage people out of the military people that got their va alone things like that What should they be doing right now because you know military really haven't been affected financially So far with the pandemic that's going on. So what should people be doing right now? What's your advice? Well, prince, that's a great question and for those individuals who are fortunate enough to where you're still receiving Your income, especially with military families, even these civilians and so forth You also got to keep in mind you're receiving a lot of money that's tax-free especially like with your bh So translation when you're looking to buying a house or willing to take on a mortgage One key factor that common gets left out and thereby is kind of afraid of too is your credit So you'll be able to touch on that That's the time right now where You're sitting at home and you're kind of stuck when you're quarantined there and you've got your kids running around But pull up that piece of paper pull up a credit report Do a financial review kind of sit down and look at hey, you know what right now All of our expenditures have been cut. We're not driving around as much not going to work We're not going to lunch. We're not going to have to eat as much not going to the movies Those are all a little bit of extra money that we use as You know out of house expenses that can be going towards paying down debt Therefore putting you closer to your goal if your goal is to be a homeowner These are the little things you can do to help you save money in the long run because the better your credit score The better interest rate you receive So veterans that are out there and current service members who haven't Sit down review Work on that credit score to make sure that thing is at its highest possible peak Also, you're eliminating liabilities out of your paycheck and from the household You're going to walk out to see the better situation you went in So that's my key advice right there for those individuals who have those means who are on quarantine right now You want to take advantage of the situation that's been given to you That way you're able to go out and then Not even wait till after covid's over after because we've been in it now for a little over a month Go ahead and proceed to see like, you know, let's see what we qualify for And then let's go out and take advantage of the market and wait sits right now because interest rates are favorable So right now you can go from anywhere from three and a quarter down to 2.75 dispense on where your FICO sits and then when we look at what you have in terms of Liquid assets wise and so forth even though for VA. You don't need any money down having something like that Just makes you look like a stronger bar So the balls in your court really Okay, so when you look at liquidity, right you spoke about having money in the bank So how much money do I need how much money do I need? You know on VA of course, you said I don't have to pay put anything down How much money do I need to have for the closing fees moving fees? How much money would you probably recommend I step to a side? I got my credit score together. How much liquid how much cash do I need to have? Well, the great thing about the VA the answer is always going to be zero, right? So don't need any money down in terms of getting your home But I always tell people was you have to factor in your home owning Expenses because that's something can be definitely overlooked So I always say whatever your income is collect two months of that have that as your rainy day fund Or it could be the honey-do fund you got a honey-do list Oftentimes when people come in my office and they have a home that they we seek They want to go out and they buy the first thing that happens when they do find that place Now your mind gets to hey, I want to outfit this home. I want to buy getting punched I want to do all these little things It's always good just to have that set to the side. They kind of get yourselves Situated in terms of your closing costs So your closing costs doesn't have to come out of pocket That is something to wear a lender like myself No matter who you're going through is a beetle Like a mortgage bank like my like the entity that I work for Or if you're going through your local bank to receive a loan because most places are going to be able to provide the VA product They have an interest rate that's associated with a cost So whatever your interest rate is It could come at a buy-down cost to which you're saying to the person that Hey, you know what you're going to cover your closing costs But in addition to that if you want to receive that rate because you like that mortgage payment You're going to pay this a little bit extra So if I'm paying 1 3% because I like what's coming out as far as my monthly mortgage payment It may come at a cost of $2,500 Then I'm going to pay all my closing costs and plus the 2,500 and that's going to be my complete closing costs Now if you're coming in there, I was like, okay, I just want to get my home I don't have any extra money that I want to spend I want you to cover all of my closing costs You may receive a little higher of an interest rate But all your closing costs will be covered with lender credit So that'll be associated with that rate for today. And that's how you're able to get your home With the rate that you are satisfied with and not to have an extra expenditure when you go to signing and having to come out of pocket for clothes Allow myself to take care of it So pretty much I ain't got to pay nothing. I just need to get my credit score right you know and Just walk in find a house Say you want to say that We want to have those key elements there and I think it's one of the great things that we do And really for any loan officer if you you're out there you're looking for someone to go and do your lending You want to make sure that individual is sitting down with you like a mini financial planner Because they're going to all of your personal information They're going to receive and pull your credit score They should walk through that thing with you and tell you line by line what you got going on with your trade lines How can you get it better even if they have a good score? Is there's no problem with going through that and kind of saying hey This is what we're doing and then when you receive your finances You have that bank statement that loan officer is sitting there and they hearing what you want because they're listening And from that you're building a budget Because sometimes you can qualify.  So All these little things, you know are factors Okay, and I think that's very important when you're out there before you make the termination to leap leap up forth and go and buy a home you sit down you have that really good conversation and really playing yourself out Do what's best to fix your family's needs in the budget and then go for it to make a good decision Got it. Okay. Now you do a lot of good stuff down in Hawaii, right? You know, what do you do down in Hawaii? How people can follow you?  How can they follow you all the good stuff? Well, a couple of ways social media is a very popular platforms out there as far as Instagram, Sean Sudden, L.O. It's a way to find me on my professional page and I have the same thing for Facebook as well Our company prides itself on education. We want to make sure that the veteran when they step the right door They come in, you know, they're got questions. They're leaving out smart in what they came in So before COVID we would have our V home loan seminar our benefit seminar twice the month so pretty much every other Thursday And from that they learn everything about the V home loan It is the history of it'll teach you how it's advantageous no matter where you go and particularly it'll break down So that's one of the things there and right now we're offering online which is I am so glad is we have that Is we have that You can reach out anywhere in the world and it's been really it's taken off. It's very responsive A lot of it whether they're in europe whether in the southeast asia or in japan And then locally we're reach out to our clients because we have fans when they leave hawaii And they pcs and go other areas and then they tell their friends about it So it's really been a blast They kind of see people reach out and see that spider web take place and folks are signing up And learning about this benefit and what they can do with it Okay So is the anything you want to leave the audience the fans people that's catching it alive the people that's going to catch a playback What do you what do you want to leave them with? I'm going to leave them with the fact that hey if you are ever interested in learning about the V home loan benefit Definitely look us up at line mortgage We have our online seminars that come up again twice the month. We actually have one tonight Um platforms like this the investor show with prince dykes This is wonderful wonderful what you put out there and what you give to the people As far as what you provide with your financial aspects Tune in keep tuning in and get all that great advice and I'll tell you what man I just want to say i'm so proud of you in terms of what you've been able to put together Uh, we got here when you were here, so It's that good work man and invite you back on the show This is like one of my first opportunities to do this and i'm absolutely enjoying Awesome, hopefully you know this leads to more opportunities people following you people uh checking you out People want to be more you know making you a regular on the show all that the good stuff, you know, i'm always down for uh Uh doing whatever I can you know to support, you know, you know the way I can because you know Like I said I always tell people I I wasn't able to build it. I didn't do this by myself I had a lot of support a lot of people looked out for me a lot of people feel sorry for me and helped me out So, you know, I always got to help out other people. So Um, but anyways, I know we got to get out here. That's our timeline and gentlemen boys and girls and children of all ages I definitely think I will tune in for another great episode and keeping us coming after you guys Don't forget to uh follow us on youtube follow us on facebook Whatever app you got itunes iHeart radio pandora you check us out you type in You know think tecawaii the investor show print stacks you're going to find us so until the next video podcast cartoon Book or whatever's crazy seem to do crazy around the globe. Peace. Be safe. I'm out. Thank you


So how different is it to work in my lab? Well, first of all, when I started here at UC Berkeley, I already had like six or seven people working with me. I always was terrified of the moment that people would start transitioning out because I just thought, wow, I'm such an amazing set of people and they all get it. You know, they get the philosophy behind the work that we do. How am I ever gonna replace that? And to my wonder and amazement, it actually, it just, I have the most phenomenal people in my lab always. People kind of self-select to come to me who have a deep interest in science and in scientific excellence and have a deep interest in the scientific problem and the pathogen that we're working on, but who also have a broader vision and that want somehow a context for their work that actually has a tangible meaning in the world. You know, and so there's many ways that that can happen. It doesn't mean that everybody is like rushing to Nicaragua at the same rate that I am, but what it means is that they wanna have a context where they're doing their molecular biology or the immunology work, but our group meetings will have presentations on the molecular biology, the immunology, but then also there'll be presentations on the clinical work and there'll be somebody coming back to Nicaragua talking about a dengue epidemic or an influenza epidemic and so they really can feel the context, the real world context of the work that they're doing. And then personal, my personal philosophy is very much that science is an international program and that it's about international diplomacy on many levels and that it's also about global citizenship. And so I think the people in my lab buy into that on many levels. Like I said, they come from people who are already versed in international work. There's people who are simply molecular biologists and but they all come because there's something else and there's like an overall philosophy that they wanna be part of.


This study found that sacrocopypexy and copypectopexy, two non-mesh-based pelvic surgeries, are safe alternatives to mesh-based surgeries. The study showed a low rate of interoperative complications and favorable follow-up outcomes. This article was authored by Rajesh Devisay, Antoine Neym, Antoine Neym, and others.


This paper proposes a novel voxel-based marked neighborhood searching via menace method to detect and measure street trees from mobile laser scanning, MLS, point cloud data. The method consists of six steps, voxelization, calculation of values of voxels, searching and marking neighborhoods, extraction of potential trees, derivation of morphological parameters, and elimination of pole-like objects other than trees. The method was tested on two case studies and the results showed that the completeness and accuracy of the method were over 98%, with the extracted morphological parameters being in good agreement with field measurements. This article was authored by Hongxing Liu, Jianping Wu, Yan Huan, and others.


Every single legion activity, no matter what it is, is designed to create a list of people for you to call. Listen, if you're busy showing property, negotiating deals, going to listing appointments, you know, writing offers, great! Ladies and gentlemen, make some noise for Ricky Karoo! He is an investor, a speaker, and soon to be remembered, in my opinion, as a legend in the industry. The cool thing about what he was doing was he was documenting everything. Like, he would post his calls, his work he was putting in, strategies, he was sharing everything. And if they don't go with that, then that's okay. You don't have to win, this is the thing guys, you don't have to win every single person over. What side are you going to be on? When you're new, you should say, here's my strength. When you're old, you should say, there's my strength. Already know why you're stuck.  You close more deals because people see confidence in you. You're wondering why you're not converting, I'll tell you why you're not converting, because people see and feel the fact that you don't believe what you're telling them. Let me, let me get in here and build my brand that matters, which is what people actually think about me because they've talked to me. So when we put you guys in position where you're creating, every single lead gen activity comes back to just creating a list of people to call, okay? We're just going to give you the list of people to call so you can go build your brand. This is the quickest way for a real estate agent to build the type of brand that they need to build to go and stack listings. In 2024 is going to be the year of the listing agent. It's going to be the year of the listing agent. Whoever controls the inventory is going to control the market, going to control their income, et cetera. We don't know what's going to happen with the lawsuits and the different things and all the stuff happening. You need to develop your skills of being a listing agent and this is the highest form of efficiency when it comes to doing just that. So I'm excited. I'm going to make a couple calls for you guys today. So yeah, Ty was going to kick it off with some questions. I'll screen share, walk you guys through the platform. I'll make a couple calls and then we'll do some Q&A. So it's going to be a lot of fun. Listen, the only reason we're telling you guys this stuff is because it's the quickest way to a transaction. How do I know that? Why do I know that? Why do I think that? It's because every single legion activity, no matter what it is, is designed to create a list of people for you to call. And what we're saying is don't worry about doing the activity to create the list of people to call. Here's the list right here. Just call them. And we literally like hack the system. We sidestep the entire marketing process and go straight to the source. Not only that, the exact people want to do business with. So when you realize getting Zilla leads, getting Facebook leads, doing open houses, whatever it is that you do, send it postcards, all the stuff that you do to try to not to call people, all that. You know what you're doing?  So yeah, I mean, if you got time to lean, you got time to clean, it means just get on the phone. If you're busy, listen, if you're busy showing property, negotiating deals, going to listing appointments, you know, writing offers, great. Go do all that stuff eight hours a day.  Awesome. But not everybody is doing those activities eight hours a day. So what do you do when you're not doing those activities? You make calls. You call a list of people that may buy and sell properties.  Okay, let me ask this question, Ricky. What do you think, and I think you've already answered this, what do you think is the number one thing that people can do right now to fill the pipeline in 2024? Talk to people. You're not going to fill up a pipeline of people that you ain't talking to. Okay. It ain't going to happen. So here's what's crazy.  These are primarily people that have purchased the 20th anniversary of Red X Bundle, which as you mentioned, it was the biggest discount that we've ever offered. It was everything that we had. It was all the tools. It was crazy, crazy discounts. And now for January, right? We've got trainings every single week, multiple times a week with top producers and trainers like you, Ricky. You're going to be on again on the 18th, I think.  But the idea is now that all of these people have purchased these products, we want them to start to see success as quickly as possible because the truth is, our industry is hugely atrocious. People get into the industry and we know that almost nine out of 10 realtors won't renew their license when their renewal comes around in two years. Huge, huge attrition. And the number one reason why they don't is because they didn't find success, right? They got into it not knowing what to do. And so that's what the purpose of these trainings are for, is to show people that look, it's not that difficult. Now, guys and gals, if you don't follow Ricky, Ricky is one of my favorite people in the industry to follow. And the reason why is because I've had private dinners with Ricky. I've been on stage with Ricky. And Ricky is Ricky is Ricky, right? The guy that you see on the webinar right now is the same guy that you get when he responds to your DMs. He's the same guy that you get when you run into him in the halls. He's so incredibly genuine, so incredibly genuine that he's one of my favorite people to follow because he's been in the trenches. He's done the work. He's built a business where he was able to sell over 100 homes as a single agent for what? 11 years running, 10 years running? I did 100 deals a year for eight years in a row. Eight years in a row. It's phenomenal, phenomenal. And for the next 40 minutes or so, guys and gals, he is going to teach you and show you how simple it is because it's not difficult. It is so simple. So Ricky, why don't you jump in? I know that you want to share some screens or excuse me, share some screen share with us while you do some prospecting. Let's just get right to it. Let's show people how simple it is. There's no need to overthink it. And while Ricky's pulling this up, you guys, here's what I want you to understand. It is so simple for us to distract ourselves from doing the things that actually make us money in the business. And so as Ricky said, it doesn't matter if you're getting leads from Facebook or Zillow or your brokerage or your sphere of influence or whatever. Every one of those sources of leads is going to lead to being on the phone anyway. And what Ricky is saying is it's so incredibly simple just to jump in and start making the calls. And whether you're doing that for the expires or the for sale by owners, the geo leads, it doesn't matter. It's just a matter of picking up the phone and Ricky's going to show you how simple it is. Don't overthink it. Don't worry about what to say. You'll learn your scripts and you'll learn how to be confident with those scripts in time. We want you to use the role play system that Redex has. We want you to practice those, but the best way to get in there is just to start picking up the phone and calling. Lisa Maze asked, she said, were you a cold caller, Ricky? Yeah, I was going to answer two of these questions before I screen shared, walked you guys through the platform itself. So where was I a cold caller? That is all I did. All I did was circle prospecting. I didn't do expires for sale by owners or anything else because honestly, we didn't have a lot of more. I'm living in a small town, Alabama, and we didn't really have that many per day. Now with Redex, I can go back 10 years worth. Just call Redex. They'll help you get 10 years worth of expired data or whatever. That's what you need to be doing. But yeah, I did circle prospecting. I had to look them up one at a time. Whitefoot, Bigfoot Pages. Whitepages.com, Bigfoot Spokio, Google. Had to look everybody up one person at a time. I did it from like five to nine o'clock every night, 100 numbers took me like three hours so I could have numbers to call the next day. That was my routine. Now you can just click a mouse and get thousands of phone numbers in the click of a mouse and start all to dial on them. Say, look, if you want to go down to the big guys, you said big guys. That's what I'm saying.  And see where they say. I guarantee it's not going to be number one. They got 50 listings, 30 listings, 70 listings. Guess what? I got two, and yours is going to be my highest priority. Now what? And if they don't go with that, then that's okay. You don't have to win. This is the thing, guys. You don't have to win every single person over. You're just looking for 20, 30% of the population that love you. 20 to 30% of the population loves you and will follow you to the ends of the earth, period. The other 70%, I hate to say it, but who cares? They either don't like you and that's okay. They either don't like you or they already have an agent they're loyal to. They've already found their agent. They're part of the 20 to 30% for another agent. That's okay. Find your 20 to 30%. Your job is to filter through the population and get to the people that love you forever and they're out there. It's like dating. Is there somebody for everybody? Some people say there's more than one person for everybody. Right, Tyler? Most charismatic people come in and not sell a thing. Right? It's because one person understood that they're just looking for the people that want to work with them and they have blinders on when it comes to the other people. It's like, great. You want to unsubscribe from my email? Awesome. I don't have to worry about you anymore. You're going to cuss me out on the phone.  That's the whole point. So don't worry about it, man, if you're a new agent. Like, that should be your strength. You know, you got old agents saying, how do I compete with the new agents? And you got new agents saying, how do you compete with the old agents? What side are you going to be on? When you're new, you should say, here's my strength. When you're old, you should say, there's my strength. You got to look at every single factor point as your strength, not your weakness. Hey, Jackie, Ricky Carruth, EXP Realty here on Gulf Shores. Hope you're doing good. I'm sure getting a ton of calls about your Peninsula condo there. I sold a couple of units in the building and I promise you ain't talked to an agent like me yet. Give me a ring when you get a chance.<PHONE_NUMBER>. Looking forward to it.  That's, that's Ricky's group. If you guys are not following Ricky already, if you're not following him on Instagram, if you're not part of Zero to Diamond, you should be. I mentioned at the beginning of the call, Ricky's one of the guys that I like to follow because Ricky is Ricky is Ricky. His tactics are proven. It's real world training. It's simple. And Ricky is, is the most genuine guy in the industry. And I'm not blowing smoke. That is, that is the truth. So whether it's Ricky and I on the phone one-on-one or with the hundreds of people that we have on here, Ricky is Ricky is Ricky. And that's why, that's why you need to follow him because his, he doesn't teach anything that he hasn't already done himself, which is awesome. Yes, Linda. There is a separate login for the Red X University. You'll have to create that the first time. And let me, let me ask this one question here, Ricky. If, if we've, we've mentioned several times, stop overthinking it guys and gals. Stop overthinking it. Don't overthink your ad. Don't overthink your voicemail. Don't overthink who you're targeting. Just get in and start making the calls. What's going to happen to somebody's business, Ricky, if they put aside all the anxiety and procrastination and just start pounding the phones, even if it was just geo leads, if they did it for an hour a day, what's, what's going to happen in their business? Well, you know, how long you got, right? So this is what I'd say, guys, that here's, here's the part that people really get messed up on. It takes a good 30, 60, 90 days to build momentum. Okay. And it takes about a week of not doing it, of not doing it to lose all the momentum that took you a month or two or three to build up. See it all the time. People build up momentum. They're doing great. They're getting listings or closing deals. And then they fall off of doing the daily things they need to do to continue to build their business. And that's it. They, they have to, then it takes them 60, 90 days longer to, let me show you this. What most agents businesses look like. Come in year one, you get new leads. Great. Year two, those new leads turn into warm leads and they get some more new leads. So they add to the amount of leads they have in their database and make 200,000. And then guess what? Year three, they don't do new leads anymore. Right? So what happens to their business? It levels off. You see that? It levels off. Your business is completely predicated and correlated to the, the, the size of your database. I mean, you can imagine if you quit getting leads, adding to your database, your database stays the same size, you make the same amount of money every year. You see agents all the time making 200,000, 200,000, 200,000. Why? This right here. This is it. Okay. Now look at this example. Okay. If you continue to add the new leads every year, it keeps building up and you build up to the level of income you want. And once you hit the level of income you want, then you can level off, level off at the income that you want. Not, not the income that you don't want. You know?  I'm stuck at 200. I'm stuck at 200. I'm stuck at 150. I'm stuck at 250. Okay. Are you just working sphere referrals? Yep. I already know that. I already know why you're stuck. You quit getting new leads. You quit prospecting. You quit calling. You quit doing the stuff you know that you need to do thinking that your current database is going to somehow explode without you. News flash, guys. It's not.  And that's the end of the story for you until you realize it and you say, you know what? He's right. Let me go back. Let me, let me add some new leads and build my database up and keep it going in this direction instead of looking like this. It's plain and simple, ladies and gentlemen. It's real black and white. There's not any gray area. There's not a question. It's very, very, very, very, very extremely simple. And now that's part of the problem. It's too simple. And so you think there's no way. It's no way it's that easy. Yes it is. You see the, you see the diagram. Year one, year two, year three, year four. You see this diagram. Year one, year two, year three, year four. It takes years, ladies and gentlemen. You see this years. Y'all are complaining after a month or two or six months or eight months or even one year or even two years. You ain't going to get anywhere in two years.  I think I know what's going on here. Now you do have a lot of people who say, oh, we'll do something next year and everything. All those people are just blowing smoke. They're just telling you what you want.  That doesn't mean they're going to not buy ever or sell ever. It's about accumulation guys. It's about building that snowball up. It's momentum. I was talking about this with one of my agents today. He's kind of let us foot off the gas for a minute. Well, it takes about 30, 60, 90 days to build real momentum. It takes about a week of not doing anything, a week or two to erase all the momentum you built up over the last couple of months. Now you got to start all over again.  You got to push that, get that truck moving once again. But there's so much potential in this business. You can make as much as you want to make as you're willing to go out there and make as much as you're ambitious to make. But yeah, people, you know, it has to be, guys, it's got to not be about the money because if it becomes about the money and you get a year worth of bills taken care of, you will let your foot off the gas and then you'll be right back on the same boat you were before you got in that great position of having a year worth of bill. How do you think you got to where you had to go back, right? You got to keep doing that. You know, let's go ahead and fill up. Let's go ahead and take care of the rest of our life worth of bills. And then we'll take our foot off the gas a little bit, right? Also, I did, I did a full Red X like tutorial. I made a couple live calls for everybody that got the Red X package the end of the year deal or the Cyber Monday deal. And that was just earlier today, and I will put it in in the past coaching call section for you guys to watch that. If you didn't see that or if you didn't get the package and you weren't invited or whatever. If you're part of the Silver Group, I'm going to make that available and it'll be right there in the past coaching calls and I'll make a post and send it out so that you guys see that. It was really good if anybody was there for that. All right, so and let me warn you guys too. This is going to be like drinking out of a fire hose. I'm going to throw a lot of stuff. I'm going to jump around from subject to subject. I'm going to be talking really fast.  So this might be one that you go back to and watch the replay and take a bunch of notes and try to pick out the most important parts of the call that apply to your business the most. Okay.  This is the blast off call. I'm not trying to talk real slow so everybody gets it because I know you can go back and watch the replay. I know a lot of you guys are taking notes. The more deals you close more deals because people see confidence in you, right? That you have confidence in yourself and the market. Now you may look at this and you may be thinking, Ricky, why are you telling me this? This is silly. This is elementary stuff. No, it is not. The reason why a lot of you aren't closing the amount of deals you want to close is because you don't have full confidence in what you're doing or the market or the future or whatever and people see it all over you. They see it on you. They hear it on you.  There's a million agents out there. Who are they going to pick? The one that they feel like they look at and they say, that guy is going to get it done. Why? Because you believe that you're going to get it done. You believe you're going to sell that property. You believe you're going to find them a property. Whatever it is, you guys got to leave the lack of confidence at the door. You're wondering why you're not converting. I'll tell you why you're not converting because people see and feel the fact that you don't believe what you're telling them. When you have confidence, you're going to communicate better. And look, it's not confidence in the fact that you sold a million properties or you got a million listings or you know what's going on in the market. That's not what it is. It's confidence that you're going to work the hardest and be the most honest and dependable and have the most integrity and help them. Your confidence is standing behind the fact that you know you're there with the right intentions to help them. You don't have any mental health. So when you have confidence in yourself and the market and the fact that you're here to help people and you're going to go to the ends of the earth to not only help people but you know do the things that you're supposed to do and work hard, then you're going to be in such a good place and you're going to close a million more deals. I got to tell you this because if I tell you how to get in front of property owners but I don't say anything and emphasize this part, then we're going to lose all these deals that I helped you get in front of. Can we live like this? Can you walk out the door knowing that it doesn't matter what the market does. It doesn't matter if people are mad at me. It doesn't matter. Nothing matters. The only thing that matters is I'm not going to do my job to go out here and help the 20 to 30% of people that I talked to that love me forever by and sell real estate. The other 70% I hate to say it like this, but who cares? They either don't like you or they have another agent. I can't do anything about that. I'm looking for the 20 to 30% that love me forever. If this is elementary to you, I'm sorry but it's not elementary for a lot of people and they don't even realize that this is the reason why they're not closing deals. They can hear it in your voice. You guys have to understand that every single lead gen activity no matter what it is Facebook ads, Zillow, open houses, cold calling, sphere of influence, whatever it is it all comes back to the same exact thing which is you sitting down and calling a list of people. Think about it.  Zillow leads, call the list of old Zillow leads open house, call the list of people that came in sphere of influence, call the people in your phone cold calling, call the list of people that you got on Redx every single one of them there's nothing and every single activity is only trying to get you to a conversation with someone so if I can get it into your head to realize that everything that all you're doing is getting there slower by doing all these things to try to get to the list of people to call when I'm just handing you a list of the exact people you want to do business with to just go ahead and call we're literally just going back door on the entire process and saying we don't have to do all this marketing and stuff we don't have to do all this spend all this money and do all these crazy things just to try to get a list of people we can call we can just get a list of people that we want to do business with right now and just call them okay scripting let's kind of dive into this and by the way I added this right here this get expired listings I just added that today right there's a class I think I made live calls I think I made some live calls on here but I know this was really really good okay and then here's the script right here just right here get expired listings if you guys need a refresher if you need a lesson on it there it is if you want to be a mega powerhouse agent and this doesn't have to like let's take cold calling out of this let's say you're warm calling following up let's say you're calling friends and family this applies to anything and by the way I'm talking about cold calling but I just I just gave you guys a full proof plan to hit every single property owned in your market on social media for a couple dollars a day and I'm telling you to use social media to post once a day when they see your ads and then they click your profile and go to your profile and see you're also posting about the market and stuff guess what you're now famous in their mind and then you call them next week now you're like super agent and you will crush it if you do these things I'm doing good cool me too I'm enjoying the days in a gorgeous great well look man I don't want to take it too much of your time today but this whole beginning part of this script is universal because after the but anything you want in there I see you're trying to sell this house at one point but it's not off the market now whatever happened with that I see you're trying to sell this house for sell by owner what's going on with that I don't want to take it too much of your time but you've got this property wherever I might have a buyer for it whatever the case may be whatever your reason for calling is all the way up to this point is literally universal I don't want to take it too much of your time today but I saw you were looking at some properties online maybe you clicked on a Zillow ad or something and I was just calling to see what was going on and see if there's something I could do to help you it's universal have conversations with people care about people help people thank yourself as a volunteer worker doing community outreach right volunteer workers work for free they do community outreach for free to see what they can do to help people that's how you need to run your business yes sir I signed up with Rex I hooked up a business phone number got it to use instead of my own personal phone number I didn't get anybody to pick up the phone so I thought maybe it's coming over at spam 35 numbers yes okay you hand dialed or auto dialed no Rex just one number at a time okay so single line dialing that's auto dialing okay well 35 numbers is literally zero okay I mean I would expect you to get somebody on the phone but there's one or two things happening um either it's a weird batch of data or your number is showing up at spam it is actually showing up at spam there's a problem okay how do I get that off there did you get the did you get their smart number yes I got one of their numbers it's a local to my area code okay and then did you um did you put it do you got it all set up right do you have that yes I called customer service and they walked me through it and afterwards I called the family member but have you talked to them since all this happened have you talked to them since you shown up at spam have you asked them what the deal is because they gave you the number right yes I just realized it was spam because the family member said it's coming over at spam so that's what you need to do you need to call you need to call redx okay there's something you're done wrong or maybe there's something wrong with the number or something and they need to give you a new number or maybe something didn't get verified or whatever yeah but but but I do want you to know 35 dials is zero we normally don't start judging until we get to at least 500 and then we start saying okay we kind of have an idea and then really thousand two thousand three thousand is kind of where we say okay we've got some averages here that we can work with right yes sir thank you very much but I like I mean like you know something's wrong though you know and you said it showed up the spam so that's the problem so this is what you do now though yes sir and dial on your phone right take tomorrow and do like 20 numbers on your phone and see how many people pick up just calling okay do it do it like that just to see what happens while redx is trying to figure out what's wrong with your number you got it thank you cool man all right guys let's see two hours into this thing okay I hear you I see what you guys are gonna do all right cool um enjoyed it nice little blast off call hope you guys got a lot out of it you know go back through watch it take some notes um try to take whatever nuggets you can to apply to your business next week we're gonna go through week two and I have a whole schedule lined up for you um DM me on the platform if you need anything whatsoever and um and let me know definitely if you have any uh if you're getting a listing so naturally the leader board trying to think if I'm missing anything here guys what am I missing huh huh huh all right love you guys um I'll see you soon thank you yep keep crushing


And we do have Akim Bola on standby who will join us in analysing some of the stories on the front pages of a national dailies. I set up with a Daily Trust newspaper this morning and find out what big stories are making the rounds. On the Daily Trust newspaper this morning, you have Bandit Imposed Levees on Sokoto Communities, Issues Ultimatum for Payment, Bandit Imposed Levees on Sokoto Communities, Issue Ultimatum for Payment, Resident Don't Trust Security Agent and Opt for Payment, Please State Government MOOM, Ex-Local Government Chairman Once Against Compliance, How Rivalry Fights Demand Notorious Zamfra Abandoned, and the final of the details on page 3. Pari Club Refund will not accept arbitrary deductions from federal government. You have the governors quoted on that. It's illegal for federal government to pay fuel subsidy from federation account, Sanusi is quoted, and just before we move away from the Daily Trust newspaper, you also have abduction, over 12 million children traumatised, afraid of going to school. President Mohammad Buhari is quoted on that. You also have another head is saying, Buhari's exit will end Nigeria's crisis, Afeni Farah is quoted on that as well. That's on page 6. Anxiety is a pure court delivers ruling on secondary suits tomorrow. That's also another header on the Daily Trust, you find information on page 40. Alright, now to the Daily Independent. Big story there says plots to halt PDP National Convention thickens. Party may exit equity, and another state over conflict in delegates says it does not expect court ruling to put convention at risk. Forex scarcity hampering our operations, and that's from manufacturers. Some APC leaders will defect to PDP soon, says Bukola Saraki. It says also it's illegal to pay petrol subsidy from federation account, Sanusi. CJN vows to read judiciary of bad eggs. We can also find on the Daily Independent, federal government moves to end casualisation, blames banks and oil firms over practice. Anambraa Gubernatorial, 81,778 newly printed PVCs available for collections as INEC. Still on the Daily Independent, Buhari links insecurity to inequalities and unfair policies. Anambraa Gubernatorial election, IGP deploys two DIGs, five AIGs, 14 CPs, 31 DCPs and 48 ACPs. Those are the stories on the Daily Independent. Let's move away from the Daily Independent and check out the leadership newspaper this morning. The board caption says, a meat rising in security. IGP deploys 100 DIGs, AIGs, CSPs for Anambraa Guvernorship poll. It's on page four. President Mohamed Buhari was investors and promised good returns. That's what you find. Another header says, Chief Judge of Nigeria asks judges and lawyers to punish self-overwrought. That's also captioned on page eight. And federal government to harmonise workers' salaries in December. It's on page six. Fails subsidy will be removed in July 2022. That's what the federal government is quoted to say. And women can rescue Nigeria from current challenges. Akira Dulu is quoted on page nine. And explosion rocks or your correctional centre. Find more information on page two. Legal battle dims as PDP's hope of successful convention, you know, comes through. That's what you also find on the leadership newspaper. That's the much we can take on the leadership today. Pick up a copy. I'm sure you get all of the information. Now to the punch. Federal government lists Desyani's buildings, jewellery, bras for sale, values, bodies, mansions, suspect wedding gowns, invisible bras, and 64 pairs of shoes for sale, 1,620 items including cars, houses, phones, laptops, and vessels listed. Poor transportation and poor facilities killing Nigeria's manufacturers, says additional. NNPC, marketer's imported petrol figures under Buhari and Jonathan, says a Sanusi. And we can also find on the punch, 22 governors apply as federal government begins model ranch funds disbursement next week. Ocean police for understanding as protesting retirees, short state secretariat. And Buhari's exit in 2023, solution to Nigeria's problem, says a fennefer. Iketi Headsman bags life imprisonment for grazing on Kassava farm and shooting owner. PDP hints of NNPC meeting if a pill court stops convention. And we can also find there, Rigby Sholashon's, a condays meeting with APC elders, caucus, as a police defuse bomb found at attacked or your prison. Those are the stories on the punch news papers this morning, pretty interesting. And of course, you may have spotted the PDP's national convention discussion all over the papers this morning. It seems like they still haven't, or they dare as a party still haven't been able to settle all the underlying issues that they might have. And of course, that includes which a second is still going to court. I'm not sure how this will really affect their chances in 2023 and also at the state level. But we'll see how it goes. Pretty interesting story with the, what was it called now, the Desiani on the punch news papers this morning. It says there federal government lists Desiani's buildings, jewelry and bras for sale. Those bodies mansions. It says also suspects, wedding gowns, invisible bras, what's an invisible bra? I was going to ask you. I should be asking you. I have no idea. Invisible bras.  You know how you have, I really. I'm not sure if these are things that, you know, you can point out as proceeds from corruption. These are very personal things. Yes, absolutely. And I understand jewelry and property, you know, maybe even cars, you know, and some of all of that.  So, you know, I'm guessing that the federal government understands what they're doing and they understand that some of these things are likely where proceeds from corruption, as she's been accused of. Also, you know, some of the things that I've made headlines this morning, A.K.T. Headsman bags life imprisonment for grazing on Cassava farm and shooting owner, which is, you know, a very interesting story.  And so it's important, I believe, that we start to ensure that people who have found guilty, some of these things, houses that were burnt in some communal clash, or maybe, you know, bandits that attacked a village and you have some of them arrested, they should be made to go through the justice system and be sent to jail or to prison, or whatever, if it's a death sentence that, you know, their crimes attract, then they should. And when we continue to, if as a country we fail to prosecute every single crime like this, from arson to communal clashes, anything that has an effect on the value of the Nigerian life and Nigerian property that is not punished, creates space for more and more people to commit those crimes. And that's why you might read in the papers that 22 people were killed in, I don't know, Nigeria is the only place you hear about communal clashes and people just move on on a Monday morning, you know, that 18 people were killed in Eboni or in Cross River or in Aqaibam. And we just move on on a Monday morning as okay. There's never a follow-up to say that, you know, the persons that, you know, were responsible for those that's the villagers, you know, the youths in that community have been arrested, they will be prosecuted, they will be sent to jail, they will be, you know, whatever it is that the law prescribes for those acts. And that's, you know, you're very correct. And that's because we constantly, because we don't have arrest, there's no arrest, no one has been punished. Or however, even if arrest is made, to what extent would you say justice has been served? All of this constantly emboldens all of those committing all of this crime. So, and that's why you constantly find a reputation of it. So with a country until, I feel like sometimes we're not even ready. We're not even ready to, you know, to do the things that we want to do. Because it's not that we don't understand what we should do. But I just feel like we just don't want to do it. There's no will to do it. Because at the end of the day, we have love tea, we have love tea, what's it called, laws, policies of government. We have several, you know, agencies and all what have you. But what happens when you come to the point of implementation? Now, the security, let's even stay with security issues and concern. You would also want to agree with me that the issues of security are encompassing. So, yes, you find peculiar issues. There are issues of boundary dispute.  You find out that there are still issues that are still lingering. How come we haven't come out with solutions that we can, you know, I mean, sustainable solutions, solutions that would be long lasting, that can solve the problem once and for all? So, we still have some of these issues lingering. You have the issue of, because now, if you look at some of the crises that were faced with, a lot of persons are marginalized. Some people feel that we're not carried along. Some people feel very agitated. And so, all of that, you also have the issue of unemployment as well. So, they're really encompassing. You have the issues of conflict. You also have, you know, religious issues and all of the clashes. But how come we're not addressing these issues? We're not going to the root of them because that's the only way to solve the problem. So, it feels like we're about the symptoms. These are manifestations of these issues. And so, we just try to see how we can, you know, take care of the symptoms. But the root cause of all of this, we're not paying attention to them. I understand the narrative that the justice system, you know, may not, you know, be as interesting, you know, and as juicy as it should be. And that's why a lot of people don't trust that, you know, if you go to court, you will get a favorable ruling and you would get justice for some of these crimes. But the Nigerian government continuously needs to ensure that it makes it clear that the response to, what you call them, not coming to clashes now, border disputes, the response to farmers and headers, you know, issues with, you know, with feeding their cattle should never be murder. It should never be taking, you know, a Nigerian life simply because a cow was killed. It should never be taking a Nigerian life because you're having border issues between two communities that have existed for a long time. And that's what the government needs to continuously ensure that it makes clear to every single Nigerian, the, you know, unknown gunmen that we've heard about for, you know, in the Southeast and across the country for a very, very long time, you would expect in the same society that the ones who burnt this police station, the ones who burnt that Inek office, the ones who, you know, murdered Dr. Chike Akunyili, you know, somehow have been arrested. You would expect that the government would continuously ensure that those people are found, you know, arrested, they are put through the justice system and they are sentenced to whatever it is that, you know, they deserve. But when you fail to do that, and that's why it's been weeks now, Dr. Chike Akunyili's murderers have still not been found. There's still no news that tells us that, oh, these are the people who committed this act and they have been arrested. And so we, very likely as a country, are going to move on and say, well, it's unfortunate that it happened. Exactly. And so when you, when those type of things happen, it creates, you know, the boldness for other criminals and other criminal groups to say, well, you know, if all these things, if that village was burnt, if those two police officers were killed and nobody was arrested, I might as well do the same thing. Let's also, let's also even talk about, what's it called, the recent attack on the trail, you know, the rail lines, the tracks and the clips. Exactly. How come we're having a pre-handed dose who committed this crime? Because they live in a space. Now, it brings me back to the conversation of saying security, I want us to move beyond. I'm hoping that we can move beyond saying security, you know, as everyone's concerned, it's not about government, when you see something, say something, because it has become a cliché, it has become a phrase for us. And so we just mouth it, but there is no doing to that path.  This people are not spirit.  You want to go on with the lease, our neighbors. So it starts from there. Now we understand the fact that some people would say, oh, we cannot report crimes to the police because we do not trust the police. Now, you want to also talk about the fact that, yes, the police also has a responsibility role to play. I'm hoping that with all of this protest and all that's going on, the Nigerian police should sit back to say, how do we redeem our image? How do we now gain the trust of the people? And that's what brings the issue of, I'm sure you would want to agree with me also that sometimes those who commit jungle justice would say, oh, that's because the law would not take its course. We don't trust the justice system. We don't even trust the entire police system. And so let's take the laws into our hands. So the fight against security is encompassing. I'm thinking that we as a people have a role to play as well. We need to begin to say, there are a lot of things we need to begin to say because these people live around us and these things happen and then we keep quiet.  And then when you report what happens, somebody is snitching on you. They would come back and attack you. So I'm hoping that we get to a point that the sincerity of heart were very sincere and we're ready to tackle this issue. But up until then, I'm not sure we're going to get it because the government has a role to play. We have a role to play. I would say it's a 50-50 if you ask me. I'll say it's a 70-30, anyway. In Anambra State, on the Daily Independent, it says there are a number of argumentary elections. IGP deploys, and listen once again, two DIGs, five AIGs, 14 CPs, 31 DCPs, and 48 ACPs for one election. I'm not sure what we're going to do in 2023, but that's a later conversation. As we get closer, I'm sure that they will have figured out how to spread more of these security and police AIGs, DEIGs, ABCs, XYZs across the country in order to ensure that the 2023 general elections are safe. But here's the thing. We had a conversation yesterday. Unfortunately, it wasn't long enough to understand exactly what needs to be done in Anambra State. When we see stories like this, I feel like as a people, we should be ashamed that this is what is required to have just one election. Just one election requires this number. It says about 30,000 policemen will be sent to Anambra for just one election. And I think that we should be ashamed as a country that this is where we found ourselves. And if over time, I mentioned Dr. Chiquay Akunili, if over time, the Nigerian police was able to arrest every single person, find every single person who's responsible for the crime and for the insecurity in those parts of the country, you wouldn't need to send 100,000 policemen to a state for just one election. Because over time, in the last couple of weeks and last couple of months, you would have been able to gather enough intelligence. You would have been able to at least stop these criminal gangs and these criminal groups, regardless of what they are backing it is, IPOB, ESN, or maybe just mere criminals. You would have been able to do it, but we haven't. And that's why we need 30,000 policemen. We need 18 DIGs and 47 CPs and 98 ACPs and the likes for just one election. The conversation about, I think it was yesterday we were speaking about Saturday schooling in the Nambra State and how, you know, I said it, and I've said it over and over and over that it really has continued to show that the governor and the governance in the Southeast has completely failed. And the only reason that they are still there is because, well, there's nothing, you know, people of the Southeast are not able to vote out people or the State House of Assembly are not able to, you know, kick governors out of office. But it shows that they have failed if the governor is thinking about Saturday schooling because he no longer can control people in Nambra State or Mondays and tell them and assure them that they are safe to come out. He obviously cannot control them also on the election day and tell them that they are safe to come out on election day and vote. It's a really, really sad, sad picture. So it reminds me of, you know, the lyrics in one of Bono Boyce's song. He talks about the monster that we have created, unfortunately, that monster is, we're faced with that monster now. And how we're going to take it off is also another question because we can't kill it.  Now, so one would actually think that because yes, we had this conversation yesterday. And for me, one of the concern is if, a lot of people are saying, let's have conversations, let's come to the table and have a dialogue. But how do you now have a dialogue with someone you have tied an enemy? You have already prescribed a terrorist. But however, government is a very powerful, you know, institution anywhere in the world. Government is very, very powerful. And I'm thinking that it is within their powers, you know, to ensure that there is peace, you know, there is protection of lives and properties, that which obviously they have actually failed. And it calls for a lot of concern. One would expect that with all of these things that's going on, some persons are feeling agitated. Some people are saying, oh, this is what it is. And instead of you to listen to the appeal and listen to the complaint, and say, okay, what exactly are you saying? You're saying we did this and that. Can we find a way to solve this problem? Or rather, we're just thinking that, you know, the fire approach, it's the best way out. It is really, really sad. I mean, look into the number of please. Now, what is the guarantee? Because over time, I'm thinking that for every time we have an election, at the end of every election year, we're supposed to have a review. We're supposed to sit back and say, okay, where did we get it right? Where did we get it wrong? And see on how to, we can improve. Because at the end of the day, if you have all of those analysis and sit back on the table, then it would help you, you know, to take better decisions and improve the next election. Now, one of the things that have actually caused political apathy, the fact that a lot of people don't turn up for elections over the years, is the fact that our elections are totally militarized. Because of that, it scares a lot of people.  And so that's really, really. So for us to, one would expect that at every time we have an election, government will say, okay, where did we get it wrong? Why did people not come out? Rather than, you know, sit back on the drawing board or sit back on the table and look at the drawing board and ask all of those valid questions, you see how we can improve the elections. We're still doing the same thing, the same thing over and over again. I can't really, you know, pick points, but at the time, the 2017 elections in Anambara State recorded about 400 and something thousand persons that voted. No actual figures right now, but about 400 and something thousand. This is not, we're not talking about number of registered voters. We're talking about number of valid votes casted.  So I don't know, we're also, you know, via INEC they have said that we have over 2.5 million persons who have registered about that. Now, you know that that number and those who would turn out also would be a different thing. I don't know if we're still going to record, you know, we're going to have that kind of number that we had in 2017 that saw Obeano emerging as the governor of Anambara State. So I don't know when we're going to reduce, you know, the present. And I want to say you can't have, but we need to reduce it because constantly we find that our elections have been, you know, militarized and with all of that numbers and people will ask you, so we have all of these police officers, how come we have not deployed them to all of these areas, you know, that need security attention at this point in time? It's important. Anyway, we'll take a short break when we come back a little bit of history for you. We're telling you something that happened today, really sad day in football, you know, where the helicopter crash led to the loss of life that of course shook the world. And then run after that, our first major conversation for today here on The Breakfast. Good morning.