Hi, good afternoon, Tom Stewart of the cleaning business today. I'm with my partner Liz Trotter. Hello, Liz. How are you today? I am well, thanks Hey, I am going casual today It's kind of funny I went in the work for a bit and came back and did some other stuff and decided to get comfortable So I guess I'm I guess I'm okay with it. It's okay if I do this every once in a while Liz Yeah Okay, I like that shirt This is the t-shirt not the t-shirt not so much, but I like your over shirt This is my my fish t-shirt from the concert late last year back when people were doing such things Well, yeah, that's not happening anymore. Yeah It's just not got it done that got it done when we could Let's see. Let me I'm looking for our Facebook live on my phone Hi guys Hey guys, a lot of you guys hooked me up by Hope hooked us up by going to the modern cleaning YouTube site and subscribing to I we got over a hundred subscribers Which meant we were able to change the URL to youtube.com forward slash modern cleaning So I'll make it easier for people to get to the stuff that we're doing Rather than the long gobbling group URL that would be impossible for somebody to remember But also Bridget, thank you so much for that testimonial, you know I read it and then I left and then I went to go find it So I could send it to Tom and I couldn't find it. Where is it on your page? It was so awesome Sorry guys Okay, we're gonna let a few people get here. Oh Oh Just completed the course and got your certificate. Yay Congratulations Shannon, and I'm glad you've got that in Because we really want to get as many people doing that as possible right now I mean, I'm gonna mute like and cough a little y'all. Oh We've got some Good news going on. I think our folks in Washington are Trying to do the best they can the best they're capable of of helping Small business. Did you hear anything about anything happening in Washington today? Liz? Well, I heard that they had Approved the deal, but we're probably not going to hear anything more until next Tuesday But good news, right? Super happy And they it didn't sound like too many changes sound like it did sound like they're going to put some focus on making sure that I'm Lower economically What am I trying to say here Be getting it I think there's some some set-asides for for women and minority-owned companies I Think it was like 320 billion for for for PPP and they came out with like another Was he the 50 or 60 billion I can't remember which for the EIDL and I Didn't I didn't know this but the original EIDL EIDL was only funded to to only $10 billion You know, I don't remember hearing a lot about the idols being closed off either I hadn't even heard that I've heard about it today that they refunded it and that it had closed but I Didn't even realize that I got my money very recently. Maybe Friday when you say your money the the initial emergency part Just the advance, right? Yeah, I did go to the I did get my portal and I got my Amount that I am approved for we might want to talk about that a little bit today Tom, I think there that is Sort of a hot topic right now What number is supposed to be putting in what are what are they expecting for cogs? I've heard a couple people saying that you are not supposed to be including your payroll I did so my loan amount is much smaller than what I Heard that some other people did other people took out their their payroll and We're given a much larger Opportunity So do you have any information about that with Stephanie? What she got over here? 310 billion and additional people be funding 60 billion and death in the additional idol 25 billion to coronavirus testing and 75 billion hospitals Sarah would like to talk about the idol a little bit more too But the original for the idol was like 10 billion So that's a ton more than that 60 At least the article I read 10 of it is supposed to be a grant Even though the SBA is it using the term grant anymore They're still leaving us believe it's not going to be paid back So like the money that you just recently got that's supposedly the 10,000 You're not supposed to have to pay that bad, right? So they're saying and well, that's what it said on my Something that they sent me to said it was an advance That was not to be paid back something along those lines, but it was an advance on the loan So and I guess they're calling it an advance on the loan My thinking is just because they want you to know that it is Part of this idol package. It's part of this idol Program that they have it's not just some random 10 grand. This is where it's originating. It's part of part of the idol That's that's my guess Sarah is on the fence about taking it and I think we've talked a lot about Why I Think everybody that we pretty much knows on the same page about about accepting The idol and then just deciding what to do with it once you get it the first thing to remember is I don't really see any Anything at any reason not to accept it at least in the first year since there are no payments to do for the first year To get the free money the part that you don't Yeah You don't get that advance And if they want to give you up to ten thousand dollars and you don't have to pay it back. I Don't know of any reason why you would not want to do that I can think of why you might not want to do that is if you feel like you don't need this money and You feel like you want to make sure that it stays there for maybe other companies that are even smaller than you That's the only thing I can think of You know like some of the Larger restaurant chains who were kind of shamed and had to they decided to give the money back But then after giving it back it's treated like they were Paying the loan off so those monies can't be lint up again, so It really isn't helping anybody out. I didn't even know that Tom Yeah, I didn't realize that You know, there's another argument too that even those larger companies like restaurants in particular You know who's to say a year from now that they're not still going to be struggling and just because you know larger companies go bankrupt too So, you know, you know, you could you could argue that one both both ways as well Yeah but The the EIDL long that's a 30 year am isn't it so you're It's such cheap interest rates and you don't have to make a payment for is it six months or a year a Year Wow Net net unless you were just really really really confident that You're gonna be fine without it or you know, if you can't sleep at night barring money I mean, there's there's a lot of I guess reasons or at least some reasons why you wouldn't wouldn't want to do it, but All things being equal I would would would would would do it and then pretend I didn't have it and make that my my You know safety net of last resort if you would Mary's asking a good question. I hadn't considered this Mary. This is a great question Does it say how long you have to stay in business after getting the loan? I Wonderful question. I have no idea Yeah, I mean especially in our industry that and especially right now.  It's not going to just be an easy snap. Just like you're gonna say, okay We're opening tomorrow. Let's just go in turn on the lights and boom everything's gonna be running It's gonna happen It's gonna take some work Yeah, I mean that's that's a that's a really deep question because Yeah, I've talked to some people that are really wrestling with with the trying to figure out how to survive and Do you want to take these loans and burn through that cash and still be in a position where you're taking the chance? right now you could go out of business, but do you want to take those monies and Still not make it and you know, what is your liability then and you know, are you gonna have to pay those monies back? I mean, what are the supposedly it's unsecured. So supposedly you're not personally liable for it, but I'm sure there's a lot of there are stipulations in terms of what you can and you can't do with it and if You got those monies and went out of business really quick and if the federal government looked into it and You know wanted to come to some judgment that you weren't using the money is the way that you were supposed to Then you could get sideways with the federal government. I guess so Yeah Something that you would want to be careful about Information here it's got a combination of stuff going on She talks about the PPP and then goes into the idol then goes back to the PPP a little bit so You guys I think that we have gone over the terms pretty well PPP is basically the It's the forgivable loan for your payroll and not all payroll right two and a half percent only lasts for eight weeks It starts at the day that your loan is Funded that your account is funded and you have to be up full again by June 30th And an indeterminate amount of time at this point you have to how long you have to stay fully staffed after June 30th We don't know that yet. It's part of the part of the sticky little widget there The idol as you get the $10,000 advance on the loan that is forgivable but the rest of the loan is a 30 year and at three point seven five and I guess it's two point seven five for nonprofits. I hadn't heard that so that's really good information there Up to ten million dollars that another thing that we haven't talked a lot about is we're saying it's a ten thousand dollars Up front, but it's actually with that. No, I'm confusing myself Dollars per employee I Don't I've seen examples where it doesn't exactly work out that way I mean What are the companies that we have applied for the idol and it has zero employees on the payroll, but it's still got a thousand dollars so Maybe that's as low as they go Yeah, I don't know so Leslie is saying that she received hers But her I'm guessing she needs her PGP, but her employees are all out on UI so not sure what she should do now So, yeah Everybody's kind of wrestling a little bit with how do how to get up and running and there's there's quite a few questions I I have a little list here of things that people are going to have to figure out moving forward Let's see Thanks for Mary Leslie cut and paste from graph. Oh that makes perfect sense. That's why it's a little bit wonky Heather, I hope I didn't miss much, but did you go over being able to take both loans? We didn't go over that Heather. Do you want to go over that part again, Tom? I keep Over that I want to swing back to Leslie for for a second though because I'm watching this and this it scrolls off the screen Then basically, you know, I can't keep up with it. So Down on my screen you're gonna be there for a little bit You know, if you if somebody is taking unemployment and you offer them a job and if they say no, I don't want the job I rather take unemployment that if you choose to you at least in the states I'm familiar with you can let the unemployment office know whatever agency runs your unemployment Program know that you offered, you know that person a job and then they would lose their benefits Now if you want to do that if you think that's morally the right thing to do Or if you do it with the concern that you're going to have a hostile employee at that point then all of those things are real If you have your PPP funds though, you do have some runway of doing some Call it, you know, COVID-19 Bonus pay and I know that Liz this was I heard you tell me that you know this idea I thought this was brilliant that you don't even present it like it's your money You're saying hey listen the federal government's giving me money that I can give you more money To kind of make it worth your while to work during this short amount of time, but be mindful in Eight weeks, I'm gonna be out of that money and you're gonna go back to your old pay To be clear. This is just my idea of what I plan on doing if I ever get PPP funds I don't have the money right now. So I'm gonna call it up, you know PPP bonus They're coming now though because we went over that so you just need to I'm waiting figure out what you're gonna do I'm excited about it. Yeah, I'm excited about it So the only reason I wasn't I'm going to hit what Leslie is talking about is because I thought we could talk a little bit more about about that when we talk about the like Different different strategies because there's a lot more than just one thing to do right? How are you? How are you going to deal with your people getting off of UI? There's a lot of different things that we're gonna have to think about so I Do think that Heather's answers sort of a quick answer Tom. Yeah Yeah, you can get you can take both I'm not clear like some of the details like I understand the 10,000 up to $10,000 emergency part of the idea which used to be called a grant No, it's not called a grant anymore But you're not supposed to have to pay it back that that comes out of the PPP. I think I heard that yesterday Do you know how that part works? Yeah, that's exactly how I heard that it works You're not going to get that that $10,000 in addition to I don't know why they were able to figure it out with our loans But it's going to come off of the the free money for your PPP We know people who've gotten you've gotten the $10,000 emergency and they've gotten a Much larger amount of funds for the EIDL to fund the Operating expense if you will all the all the monies below cost to get sold And they also got the PPP Yeah We do Oh, Sarah just started her PPP bonus this week great. How much are you paying Sarah? And what do you have your people doing? That's great information. Did they start on Monday? Oh You go ahead and respond. Let's see what Heather has to say So we are told that just because we got the $10,000 doesn't mean we'll get the rest from them directly I do believe that that is true Heather Just because you have gotten the $10,000 advance does not mean that you are Automatically going to be approved for the rest of the EIDL You're still going to have to go through the rest of the process The application that you've already done if you've gotten the $10,000 then you've done all you need to do for for the EIDL I guess Unless they reach back out and ask for more information Yeah, that's that's what I've heard both of the I only know two companies that have actually been funded And both of those companies had to give more information. So I'm not sure Doesn't mean that and I'm guessing they already have this information too, right? So I don't really know Sarah is paying two dollars an hour And they're still open so they'll only have to fill in the credit process Nice Bridget wants to know what if you already have your PPP but not your EIDL So I'll know most people that was how it happened for them Bridget I'm not exactly sure what you mean. What if you already have them You're in your best position if you already have your PPP because Most most people are waiting on that and not even know if they're going to get it So you already have that great chances are really good. You're going to get your EIDL We haven't heard as much problem with the EIDL So I would say move forward girl start start going you got it You got to start spending that PPP money if you've already been funded to be able to get it all forgiven Heather says yes, that's true. They they told me now that they It's that they it's in the credit process Okay, so once she got the $10,000 advance that it's now going through the credit process Okay, that sounds good Linda hi, how long is the course available to take? All right, so we have a few courses that we're working on right now But I think the course you're talking about is the COVID-19 course and Tom Do you want to speak to that since I sort of beat everybody up about it yesterday? Yeah It's available right now for free if you go to Modern cleaning website you go to Yeah, it's probably easiest way to get it because you can get to both videos and you can get to the Test to turn your certificate completion all off of modern cleaning But it's not going to be free very much longer We're gonna start charging for Don't even know exactly what we're gonna be charging for it It's not going to be a crazy amount of money, but it's got In I've been told by people that have taken the class actually that they believe that the the whole process Means more it has more value if there's some dollar amount hung hung on it. So I don't know What do you guys think it's worth? What should we charge? We'll figure that out tonight, I guess I'll take some recommendations on you guys have taken other classes What do you think a fair fair thing would be? I'm looking for feedback. We want to Hopefully you guys are all getting it for free So get and if you haven't taken it yet get on there and take it and get your Certificate so because we're telling you clearly it's free right now and tomorrow I don't know when but maybe as early as tomorrow, right John Yes You might wake it, you know, this is kind of like looking for you money, right? You just don't know what is going to show up. So You might you might look tomorrow morning and find out that there's there's a fee attached to it You never know And I'm serious. This is serious. This my serious face Get in there and do it now because I promise you it's not going to be free for much longer I really think it's today is going to be the last day that it's going to be free So you want you all to get on there and and get everybody that you know on there too to get it for free Now on top of that what do you guys think it is what you guys think is a good price for the other people The other people who didn't get on the call and watch it anybody have an idea what they think would be good Like well for other people that want to take it. Yeah, give me some prices. That would be super super helpful times, right? That'd be awesome. Um Hi, we had a couple of things here Oh, I'm sorry, that's okay I already queued up the number to the SBA and I just dump that in the Comments because somebody else wants me to give them the the link to modern cleaning. So I Didn't want to have to enter that in again because that's just too much work for me All right, so I'm Andrew wants and I have a couple of questions and I'm gonna hit this one But I'm gonna go back and get your other question. Don't worry. She says sorry I missed what certification you are referring to so if you look at our page Andra The the same one that you're on right now cleaning business today. You will see some training from last Wednesday and Thursday At 90 minutes each and if you watch both of them then at the end you have the You'll you'll have the option to take a test. It's not an easy test. Anybody that's taken it will tell you It's 20 questions and once you pass that you have to get was it 75% or better? Is that right Tom to pass? correct 75% or better, then you'll receive a certificate So go do that look on Facebook and you'll be able to find it Also, if you I think if you search in videos, you'll be able to find it pretty easily as well Right now. I'm gonna go back. Thanks you guys for putting these prices on here super helpful But I'm still going through Facebook. We got a lot of questions here So Tom any idea what happens if you only use 50% of your PPP funds for payroll and 25% for allowed expenses and return the unused Does that get forgiven or how much gets for forgiven? some of it gets for all of it gets forgiven and There's a formula that you have to go through and it's a lot of math and quite honestly. I don't think they've actually They haven't specified in detail even how all of that is going to be interpreted, you know because We were talking yesterday Do you have to jam in that last? Some people are thinking that they're gonna have to do two paychecks on one Friday to get the maximum value out of that especially if they're ramping up from zero and I'm hoping that I'm gonna do that that they're gonna let you like a crew Do you use it with a cold crew accounting to do the math? We don't know I don't know I don't know if anybody knows for sure because there's a lot of smart people that are trying to take these general concepts that the actual regulations haven't been The people that are gonna be able to score that haven't figured out yet Marsha actually says that to Tom. She says with the current equations it cannot be fully refunded Which is also my understanding. You don't use if you don't have all of your people up and running by June 30th It won't be fully refunded, but they're still changing the guidelines is what she says. That's also my understanding So we're still in a wait and wait and see mode. Yeah, and I guess just to be you know completely Just got let you guys know where I am with it and and Liz will attest to this and I'm tend to be What's the term anal when it comes to stuff like this in terms of just really wanting to know and I Don't really care anymore I mean I care, but I don't care enough to spend every waking hour trying to figure it out because The story hasn't been written yet so I think it's a wiser use of my time and my sanity just to kind of Understand the general idea is if I use some of it the way that it's intended to be used I'm gonna have to pay some of it back and I probably won't know for sure what that is until the whole thing's over and Yeah, as long as you're paying people to do productive work you should really be in great shape I know and if you're paying people to stay at home Then I could see scenarios in which you might get yourself in trouble But I say training to Tom if you have them only doing training You could get yourself into a little bit of hot water. So you do have to be thinking about that Maybe yeah, you know certainly certainly You might wind up Getting a little bit. Yeah, you could we really don't Yeah, we don't know details. Yeah, I feel You know, you can fill a library with with books on stuff. I don't know and this is Second library over here So there's a small amount of stuff that we do know so We're trying to focus more on what we do know and taking advantage of that stuff And then protecting ourselves as much as possible from what we don't know So there's some great comments in here. Tyler has a Comment about what he's doing with some of his PPP money He got all of his team back from UI starting this week. So they were all on unemployment You got them all back and he's using their PPP to fund their pay He's paying their employees who stayed on board over the past month because he was still operating A salary of 20% Above the average weekly wage that they were getting and he reduced their hours to show them things He reduced wages for the employees who aren't working or who didn't stay working by 20% And he's paying them salary until they start working full-time again. That's interesting It's an interesting so Tyler I wish you would have posted that in the mastermind a group Today, I would have really loved to have talked to you about that. So I guess what we're gonna be talking about in the MMA tomorrow Thanks for posting Yeah, there's there's some stuff in there. I'd like to kind of dig at just a little bit That's an interesting and it reminded me of a strategy that we talked about but yesterday that was throw out since we're kind of all in the same area code how to Manage the PPP and deal with you know, the unemployment benefits We figured out that in a lot of states you can get partial unemployment and as long as they're as long as your your cleaning professionals Weekly pay is less than their maximum state benefit They would still get some additional funds from the state in terms of unemployment And if you get any money from the state for unemployment You're getting the full six hundred dollars from the federal government. So that's just another Strategy to get people to come back to work that would rather draw unemployment It's like well, here's the compromise or bring you back part-time But keep you below the mount that that would you know, not gonna work you so much it You'd still lose all of your unemployment benefit and then you'll still get your six hundred dollars That's kind of it's kind of like the best of all worlds until you get so busy that you you need them all the time. Yeah Let's see Marsha says talk to your account about your pee about the PPP. Yes, absolutely Those funds are going to have to be tracked very very carefully So I most people that I know are planning on putting it into a separate account so that they can have clear Trackable proof of where that money was spent and how it was spent especially because not everything's been written yet Right, so we want to make sure that we are doing the best that we can but absolutely talk to your account You're proud you should know about the PPP. There should be no question about what it is And if they don't look at another account And it's my understanding and I've seen some letters from some banks that are Pretty sobering Regarding the accountability of this PPP funds because it's my understanding that the banks that are making these loans on the back end of this they're the ones that are going to be accountable in terms of Determining getting all the paperwork together to determine how much of that loan is going to be forgiven it's going to be treated as a grant and Once they make that decision they're going to turn that paperwork into the federal government and if federal government doesn't agree with them Then the bank is the one that's going to be losing out So the banks are they're going to be wrong. They're going to be wrong in their favor. So they're going to be crossing their T's and dotting their eyes They use the term you know a really really arduous process to go through to get those you know those those Loan monies forgiven or turned into a grant.  I don't know if that means they don't like what you're saying Really angry face just popped up. Sorry Shannon has a question Tom. She says she's a solo business Would I still be eligible for this loan even though I don't have employees? I just started my business last year I'm not sure she's talking about the idol or the PPP We've been talking about both of those right now. Do you have some information for her? this kind of falls into the category of I don't know if I There's a there's a larger body of Knowledge which you know, I've got an educated guess but but I can't can't guarantee But I would think that between idol and PPP you would be entitled to some I'd go ahead and I would fill all of that out and You know The only way to know the only the only the only way to know for sure is to ask and The application process is pretty darn easy, especially if you're new to business.  Let's see. We have a couple more things in here A lot of people are asking about the link for the class Tom is it? Do you know how to get a link to the I Did because I put it in my face my private Facebook group. I put the link if you go to modern cleaning calm It's right there above the fold and you've got you know, the first video the second video and they Test and it's it's all right there. Just watch the Part one watch that first part to watch that second and third part is take the test So Diana Right there. He put the link in there Modern cleaning calm. You're one of the people that asked about it. So hopefully you can see that Bridget is saying no not tomorrow. My staff meet till the end of the week pretty pleased Bridget, I don't think that's gonna happen But you know what Bridget really wrote us that wonderful testimonial calm. We might have to make some special deal for her I'm just saying maybe okay. Well You Liz is this this handles all those details. So we'll talk Bridget. We'll talk All right, Andrew says sorry missed what certification you are referring to same thing Andrew go to modern cleaning calm check out the Two different classes and get that certificate. Is this available in Canada? I miss last call. Sorry. Yes, Vic Oh, I know Vic. I think you might be talking about the PPP. Oh gosh We're getting lots of People don't like it's ending. I'm sorry you guys No, I don't this is a An American thing. Sorry. I don't know what your guys's programs are up in Canada Do you have any insight into that at all Tom? I know nothing I've read a little bit nothing there are some programs in Canada to assist small businesses But I have no details on But I bet we know people who do I mean if there's an interest we might be able to yeah Yeah, we can find out hit us up Vic if you need us to get that information One of the things that we like to do is have 10 Tom tell it like it is So you give us some information and we'll have him tell it like it is So Linda's price is price point is 49 95 Diana's $40 Heather is kind of leaning them along what I was looking at maybe a company fee for over a certain amount of people and 3999 each or over a 10 Employees maybe go a little bit lawyer lower That's my girl right there. You always think alike Leslie is saying 99 dollars and she feels really strongly. She said it twice and Shannon talks about. Oh, yeah, we already talked about that Um, how did we oh my thing is jumping. How am I going over the same step again? Thoughts on giving a large staff bonus at the end of the eight weeks If you have not met your payroll allowance, what do you guys think about that? What do you think Tom? I Uh, so her thought is what what if Um at the end of the eight weeks She hasn't spent all of the money that she bonuses her staff The problem is it goes for the number of people that you have employed not the amount of money that you spend Linda Almost caught me. Was that a trick question? I mean if it worked that way I'd put myself on the payroll and give myself a really big rate Yeah. Oh, Tyler's posting in the MMA group right now. I'm just now catching that. Good job, Tyler. Thank you Yeah, you're out of the doghouse now Um, rosemary is also saying don't do it till tomorrow night. She has two people coming in to watch it then But maybe a hundred Actually, I'll give you more. I'll I'll I'll say everybody else should pay more if you let it go one more day Um, Marsha's accountant says don't do it yourself Let them figure it out. Don't do anything sneaky. Don't try to abuse it. Yeah, so to be clear We're also saying the exact same thing. We've been saying that from day one Um, just remember that this is a program or there are multiple programs that are been put into effect to help us Nobody should be abusing these nobody should be doing anything sneaky tricky Do the best that you can you're all on here We can see that you're all trying to figure out how how to do the right thing. Yay We applaud and appreciate that and let's all continue to do that Let's see what do we got Do you know? Oh, yeah, Leslie, do you know if there's a way to log in to see your balance and the status of the loan? Yes, that's the number that tom posted up just a little bit Um, a clean business today. He posted a phone number. I don't know if you can post that again real quick. Tom might be easy Sure. You must be All right And that it is he's probably not kidding that number what you guys want to do as a reminder if you're on the call yesterday Call that number and ask them if you could please get Them to send you your portal information Now you might have to call a few times Uh, you might call the first time and they might tell you oh your loan is already being processed And so they might try to push you off or they might say Yes, we we have that information. You'll be getting an email in a few days or they might tell you I'm sorry. I'm not authorized to do that all of those answers Are answers that people have gotten on one two three four five calls and on the sixth call they got sent the link So if you want the link you calling at least as of of earlier today, I know someone that did it today and Got the correct answer after the fourth call It and it appears that unlike a lot of other call centers where there's a history of your activity Like most call centers if you call them five times Somebody's gonna eventually say well, you know, mr. Stewart.  But it appears that these guys have no idea that that you called previously So every call is kind of like a new adventure and they think that well, this is the first time you've ever spoken to them Yeah, so you don't have to feel bad. You can just be nice. Okay. Thank you so much click dial again And they're all I mean, I haven't found anybody that hasn't really been awesome from from just trying to be friendly and trying to be helpful You know, some people that you really kind of get the impression that they don't really know much about You know, what's going on, but that might not be their fault, you know, it could be there's new to the game I'm sure they've hired a ton of people to help with this Yeah, I'm I can't imagine that they haven't Uh, so we have a question from Amelia tom. She says i'm the owner and I don't qualify for unemployment. Can I pay myself with the ppp loan? Uh, it's a question for your accountant I haven't I haven't heard either yeah This kind of falls under Into the area of my guess would be yeah, you could now if that would be Considered as something that would be forgivable or not? I don't know But again, I would check with my accountant on that before before going there because I I don't honestly know We have another question here. Oh another person suan goche Would like info information for canada as well tom. So we've got a couple of requests now for the canadian information Um, michelle can I get the link to that two-day training that we did? go to Facebook page modern The facebook page It's all on the website. I'm gonna throw this up real quick just If we can pull it up since we have a lot of people keep asking And michelle's asking for the certificate. So to get the certificate michelle You have to watch both trainings And then the certificate information is at the end. You have to take a test and then you get the certificate So, I mean, I do think this certificate has a lot more value than some certificates because it's not just a participation Certificate it is actually that you participated and actually paid attention and learned something Again, the test is not easy. If you don't take the two days of training.  I'm sorry. Can you see my screen? Yes, it's showing the modern cleaning.com the website you guys just go to modern cleaning.com and Here's the first video you want to watch is right over here on your left The second one says part two is on your right. Each one of these is right at 90 minutes And finally you click here to Take the test You know last for your email your first name last name your email You take the test you pass that you'll get an email with the certificate of completion attached Uh, let's see Heather says could you make a price for a business to use for multiple employees? I'm just putting together stuff for the staff while while they're while she's laid off or they're laid off They're happy to do it, but need to give them some time to watch the episodes and then take the test Deborah. Oh Deborah. Hey Debbie Um, she just said she's watching Uh steps she's called the sba number a few times and they don't give you an update on the status of your application call back You got to keep calling It worked and I got my okay. So heather Is one of the people that it worked for her and she got her money the very next day Uh, Martha you cannot get paid yourself on ppe unless you had a profit for last year's taxes Okay, that's information. I didn't have before So I haven't read that anywhere. So great. Good. I'm guessing maybe you got that from your account Not sure you're welcome ashley Yes, marcia's correct part of the value in the training is that the information is coming from Someone other than you as the manager or boss. Yes, that's probably true Did I actually catch up I was feeling pretty far behind that for a while You know, Liz we've gotten a lot of people Over the last, you know, a couple of weeks here asking for additional training more training Anybody, you know, what what do you guys what do you guys want? I mean we've got Yeah, we've got training A couple programs that we are launching here you guys within the next Week and two weeks. We have some stuff that we're doing We're trying not we don't want to make it seem like we're just Throwing it out there kind of trolling. We do have some stuff that we're doing But if you guys have anything interesting that you want to see let us know we know what we're doing Because it's what we're good at that's what we're doing. We're doing what we're good at and we're And mostly this is about tom truthfully tom has a lot of expertise In in this area this this environment this new environment that we're going into is Was almost created for tom How much how much research and development has gone into So much of the stuff that you have in janice to not just you Yeah We might we might have to get her on on one of these just to Another I mean some of you a lot of you know janice some of you know janice But if you haven't been in the industry a long time She used to be a lot more involved in in arcsy and I guess she She's spending more of her her recent years of kids and kind of Doing some other projects, but we've taken this as a as a real opportunity to To dig back in on the science of cleaning and to Take a lot of the work that that that we've done over the years and and and put it in a format I mean we've used it internally for for for a long time But to put it in a in a format that can be useful to to other cleaning businesses and cleaning professionals Yeah Yeah, absolutely Marcia is saying there's not enough training out there for residential and light commercial cleaners. We agree We we agree. There's not and there's that part of the problem is that there's so so much that needs to be turned into training and it's um It's kind of overwhelming you guys there is so much that people want to learn about and and hear about and and Need to know about and it all different levels of company, right? Everybody is looking for something different if you're new to the business spending business less than two years You really want to know about well this information is for older companies as well But you really want to know what kind of vacuum cleaner should I use? What kind of microfiber? What kind of? Products what's the names that people use so when somebody's been in business for 10 years? They're probably not talking a whole heck of a lot about that. So so many different training things out there That that training needs out there and so many people looking for training too I'm sorry. How would you clean wood floor and wood furniture and wood floors? So many different things up with you. That's the ground safe page Yeah, um, so that's some information some just how to clean type things, huh? Yeah A lot of the training that we've done over the years has been Focused more on the management side of the business But you know prior to that we you know Most of the material that we were developing was how to remove soil from a surface and dispose of it a responsible way We've you know written a couple of books about it We help put together other large training programs for for for the industry and we're kind of Working on taking the whole body of work over the years and in putting it together and something that that that we can share as a training program and We'll have something we'll have more details over the next couple of days But but we'll have something that we can can can put to work and get in your hands by End of next week if not sooner And this hasn't been our focus in the past. We have usually focused on the spring business owners together for a chunk of time spend a large chunk of time and really drill down on on On the work and go home with some stuff that is completely implemented We're still very much about that process But it's also exhausting. It takes a lot of energy a lot of time a lot of preparation It's a very expensive for us to put on and so we realize that there is Very strong ongoing need that we want to fill Um leslie says i'm putting together new practices. We'd love training on your new practices as well. Yeah, absolutely um, who was it That i see oh marcia marcia says i hope it's marcia and not marcia. Um, but um marcia Uh took the hct training i think she says the three-day training in las vegas this year and it was huge The hct house cleaning technician training. So happy to have had it was going to send all of our cleaners this year Uh, let's see audra says it's still so new and i'm guessing Oh tom, do you have your books handy marcia? I'm investing wants to know what the books are marcia training the consumers that are we are worth paying more money for yes, so sales sales is a big piece of the training marcia and training um sales is going to be different And the post covid world too. So really interested in digging into that a little bit go ahead tom with your This is this is one of them. We have another book that Primarily janice wrote a few years ago on chemical free house cleaning. Um, this is kind of the the handbook for the for the hct training and uh Janice myself, uh, i saw david keiser He was one of the off authors bruce vance of any guys you any of you have taken the class recently bruce is Doing most of the training on that and uh dear christian and uh sarah vance, uh bruce's wife all helped put this together several years ago Here is another book that we have been talking a lot about Um protecting the built environment by michael berry Uh, it's another really great book. I i've sent now four people have asked me How hard of a read it is and I sent them screenshots. So i'm just showing you That book is like the bible if you want to get into the science of cleaning the nerdy part of cleaning if if if That's that's what you're about then you you owe it to your so anybody who cleans professionally Especially if you're running a business. That's a good read And this book was $50. That's what my price says on here which um I I thought was a great price and I've used it for years. It's a great book. It's a great resource Asking about the the books i'm gonna I mean we still got a little bit of time I guess but I'm gonna flip over to um I think Sarah you missed foundations sign up girl foundations. Uh, what is it tom february or march? 2021 It's next year. I think next year. I think it's early march Yeah, I think I can't remember if it's ever we went back and forth. We had some some struggles with the dates But sarah, you need to be at the beach girl sign up Um, you know, you know people who know people who know how all that's working. You need Yeah, your buddies. No hit them up So we have some things that our general comes to go ahead tom. I'm sorry I'll just Today over here if you haven't subscribed subscribed. It's cleaning business day dot com But i'll send you this i'll share this link as well if you go to corona virus Ash downloads Here are a bunch of links to all the materials that we shared over the last uh How many weeks list how many weeks we've been doing this three tom? No less. We've been doing it for five um Five you lose You was Three i've said over four Tom was right five weeks somewhere Y'all are good company Do I I said it doesn't feel like if they're all good company Yeah, it goes time flies down to that. Here you go. We're right here. Here's the uh professional house clean technicians manual this is uh the the one that Is for the hct program is written for the hct program Protecting the built environment. This is the michael barry, but you can click on either one of these links And it'll take you right to a place where where you can buy those um There you go uh, so tom says i mean audra says Um, we know that some things are general when it comes to cleaning however Do you think every building needs a cleaning prescription so to speak so i'm guessing uh scope of work. Yeah, prescription scope of work Yeah, love it. Yeah, absolutely Uh, I like your terminology there. It's cute. Yeah uh Every every every home every place you clean should have a what they call a site specific scope of work That would identify the unique Needs of the people who use that space. We're the house clean space the people who live there We we touched upon that in the uh the covet 19 training But we'll be we'll be touching that in in more detail in the uh the program will be uh be talking about more next week But yeah, you want a site specific scope of work Tom, can you hold up it? Um hct manual again? I I know I have one here, but I can't see it I'm on it. Okay. Awesome. Somebody else asked about it. Um, tell me do you have anything to say about this? Suann goche again says would love to hear Would love to have hct training and certifications. Do you know of anything in canada? There's some online programs that that they're starting to to to be done. I don't know Typically Program real soon Tom We have a program real soon it's We don't want to tell because it's not all written out every single detail. He's not good at that. He likes everything It's it's a complicated answer. Okay.  I mean there's a lot of It's it's gonna, you know, it's gonna be good. I guess I'll just just leave it at that You know, it's gonna it's gonna be more easily accessed. It's gonna be more affordable It's uh, you'll have the knowledge. You don't have it forever, but you won't have to pay every year to to Be able to to say that you have it It's complicated, but uh, what we're doing is gonna gonna be good and it's gonna be coming real soon See, no, I'm not saying anything You're doing I I always let all the cats out of the bag. Okay. Leslie. I'm posting just for you protecting the built environments That was the name of it. Love my cat. Thank you. Everybody loves her. Her name's Olivia. She's a sweetie pie Um, Heather loves that terminology. I know Awesome. Um, we're amazing. Thank you, Kimberly A scope of work is taught in the hgt program david. Yes. Absolutely. Thank you Yes, can I go back and give a clear answer to the question you were asking me because I think people need A full explanation. Sure. That'd be great. Tom. Yeah the Certification program the formal certification program that goes with that that this book was was was originally written for Is it ministered through an organization called IICRC? It's a wonderful organization They do certification programs for carpet cleaning and fire restoration and water restoration and for a lot of industries like if you're doing Like fire restoration work or flood, you know restoration work Most of your most of your compensation for for doing that work comes through insurance companies Insurance companies won't even work with contractors unless they have IICRC certified technicians Who've had the training on how to dry a house out properly or you know, even carpet cleaning if you Look at the warranty associated with your wall-to-wall carpet. It says if you don't have it professionally cleaned by an IICRC certified carpet cleaning technician then Your warranty is is possibly void David Kaiser myself And a handful of other people got together maybe a dozen years ago and we're approaching organizations to put together a certification program and IICRC Was was willing to support us and help us do that It was great and it's been been really good for the industry But the class typically are traditionally has always been a face-to-face two-day class And with a with an additional fee associated with taking a an exam and those monies go to to IICRC and then after the fact every year in order to formally Keep your call and say that your IICRC certified technician You have to renew your membership fee with with IICRC There's a lot of fees associated with it that if you do work with insurance companies and or if you're in the restoration business Really has value I've gotten a lot of feedback from a lot of people over the years being involved and supporting and Even before Liz and I got together and doing cleaning business builders The genesis of that was a company called Institute for Service Excellence and we started that company for one reason and one reason only and that was To administer the HCT training and A lot of times people were frustrated by having to pay the extra fees associated with the test or they're frustrated by having to keep Their their their membership fees for every technician it takes that They have to pay a fee every year in order to keep that certification Current and then if as a company if you want to say that you have Certified technicians you have to pay an additional fee as a company just to say that so You know we're putting together a program that's going to help people have the knowledge they need to to be professional house cleaners without all the administrative overhead of I don't know some I've heard people refer to it as just attacks um So that's what we're doing and and uh, we're going to have that out real soon Does that make sense? Yeah, I wasn't paying attention. I'm sorry Tom. Come on Kidding. Yeah, no, you did a really good job of explaining it Tom. So it is a it is a harder answer because there Are our different levels different price points different trainings different people how it works the the different Certification certificates, you know There's a ton of stuff going into this decision too And the in the IIC RC training is is is awesome, you know Bruce is a dear friend of mine. He does most of that training now. He's awesome David is is is uh kaiser's on this call. I saw him earlier. He's certified to do that training It's an awesome program, but it might not be for everybody. It might not be something that everybody wants to Uh, you know take on all the additional costs associated with IIC RC membership So we're going to be offering you an alternative Okay, so Tom, I'm seeing that protecting the built environment Is $774 right now on amazon. It's a really good book Okay, so I was expecting it would be a little bit more since I had it for maybe a decade or so I have like a half a dozen of those laying around the room. I might have to sell a few of them That's so funny Yeah, that's crazy. Who know I told him to check. Oh, it's sold out. Is it sold out on thrift books? You know why? This is like electrostatic sprayers. I put people are buying this because of of just don't figure out how to deal with the coronavirus Of maybe I wouldn't be surprised actually I would not be surprised So maybe what we'll do Tom is We'll give away one of your copies of protecting the built environment to the first person who signs up for our class for our new class That we haven't done Wait a minute. If this were like seven hundred and seventy No, you're gonna get it. Talk about it. It's sold out. It's Irreplaceable at this point. So a leslie looked on no, I guess it's 774 on amazon It's sold out on thrift books Yeah Wow must be Alrighty, so tom we did get started really late today not my fault I totally kept telling him we gotta go we gotta go But now we're really running late today. It's 313. Hey dusty. Good to see you back again. I love your name um So we probably should get out of here everybody keep your eye out for the ppp money Probably not gonna see it until Tuesday Say it again Tom Dogs are coming for me I heard the words earlier. Thank you for joining us. Uh, if you haven't taken the uh, COVID-19 Class and and and and test please do that now Seriously, no kidding. The window is closing fast you guys get on there and and take that that train Could you make a digital copy for per purchase if that's people? Oh, she's talking about protecting the built environment. I don't think that's legal. No No, that would be appropriate, but um, we could sit and read it together It's not that interesting you guys. Well, actually that's not true. It actually is that interesting I really could almost sit and read it but It is a really good book. Well, thank you guys. We'll be here tomorrow at uh, five o'clock eastern you guys be safe We'll see you tomorrow. I will be I will be too. All right


Hi, my name is Karla Holt and I'm going to show you the Speak Selection feature on an iOS device like an iPad or an iPod. First of all, Speak Selection is available in iOS 5 or higher. I'm going to be showing it in iOS 6 which has some additional features as well. So firstly, I'm going to open up my Settings app. I'm going to click on General on the sidebar and then I'm going to scroll down to Accessibility. I'm going to tap on Accessibility and over on the side here I have Speak Selection. So I'm going to click on Speak Selection and I'm going to tap to turn it on. Now in iOS 6 I have options to switch dialects so I can tap to load up different dialects so I could have US English. I have a slider for the speaking rate. The default rate is quite fast so you may want to drag it a little bit slower. And another nice feature in iOS 6 is the ability to highlight words so we'll turn that on. Now I'm going to leave my Settings app. I'm going to go to a Safari web page or an iBook that I've downloaded from the iBook store. It will work in my mail or my notes. I'll go to Safari. I'm going to navigate to a page that has a lot of text and I'm going to do a long click so I'm going to press and hold on the text. And then I'll release and you can see one of my options is Speak. But before I press Speak I want to select more so that I'm reading more than just one or two words. I'll select that and then now I'll say Speak and you'll also note the highlighting. So Speak Selection is very simple to use and a very powerful tool to use to support students with reading.


What's up everyone? It's your girl, Kendi here from Layton Sports Guards and I'm ripping a personal for Jeffrey S. We've got a 2021 Panini Donriss Optic Football Hobby. Best of luck, Jeffrey. Thanks so much for your order. Let's see what we get you. Yeah, I'm sure things ain't... Again, uh, because there's like over 8,000 total entries in that, and I don't believe our blog post lets us post a, um, thing that long. So, um, I think they're gonna look into that. I just have to double check. It might, it might be up on the results. You have to scroll, scroll back. First pack is not cooperating. All right, here we go, Jeffrey. Calvin Joseph. We've got Red Eric Metcalf for the Browns out of 99. Cornell Powell. We've got Dominator Stefan Diggs. Christian Barmore. Silver Circles to 125. Chris Carson. Vaughn Holland. We've got Hollow Barry Sanders. Shai Smith. Rated Rookie. We've got Blue Rated Rookie. Trama Kitty for the Aqua. To 199. Chambers Shell. We've got Vaughn Miller Hollow. Trevor Lawrence. Rated Rookie Base. Orange Michael Gallant. Cowboys to 199. Toledo Jones. JC Horne. Rated Rookie. Michele Wright. Hollow Tyler Lockett. Penny Suea. We've got Legendary Logos. Baker Mayfield. Amon Rossin Brown. We've got Blue Carlos Boogie Bash. A little color match there for the Bills to 179. Trevor Lawrence. Rated Rookie Base. Got my house insert. Josh Allen. Tom Brady. We've got Kid Darius. Tony Rated Rookie. Rated Rookie. Richie Grant. So White Hot Rookie. Zach Wilson. Claypool on Muzerrique. Rated Rookie. Jalen Waddle. Rated Rookie. We've got Hollow Justin Fields. Nice hit there, Jeffrey. Congrats on that. Fields Hollow. Yeah, we'll mag that. Jalen Phillips. We've got Hollow Matt Ryan. Kylin Wallace. Sam Ellinger Hollow. Jared Patterson. Blue Chris Carson. For the Seahawks to 179. Last pack here for you, Jeffrey. Sean Bateman. And Aqua Baker Mayfield to 299. Alrighty, Jeffrey. Did we not get an auto out of that box? No, no auto. All right, Jeffrey. No auto out of that box, unfortunately. I will send the box and wrapper with you though, so you can take that up with Panini. Again, it does say on average. On-card, look for on-card RPS. One autograph per box on average. But I, again, will send the box and wrapper with you. And hopefully they can either replace your box or send you something in order to get that taken care of. Sorry about that, Jeffrey. But we will get that right out to you.


In other news interest rates yesterday hit 7.1% is the highest in the last four months We know we hit around that same number back in November 10th and since then it's it's been coming down it hit 5.9 Here recently it got into the high sixes and yesterday it finally tipped seven And got to 7.1 today. I want to talk about what this means for your business I want to dive into some slides with some data and really tell you what I think about all this But you know right this second now that was 24 hours ago You know what's very interesting is where interest rates are right now, which I'll tell you in just a second But the second thing piece of data that's very very interesting is mortgage applications dropped to a 1995 level And so everybody's calling for this gloom and doom kind of situation when all of this is was so telegraphed and More than expected in the market And as we all know as real estate professionals Nothing's ever going to zero closings are going to happen every day for the rest of our life And we don't have anything to worry about when it comes to all of this I'm going to talk about all this show you guys some data But the market can really go one of two ways right here You know if interest rates stay high and What I believe is going to happen This is just my opinion and my intuition, you know doing a lot of reading and research I believe that interest rates are going to settle somewhere around six. That's kind of what I'm thinking in the six range Which will be good because as I'll show you in a second The slightest changes in mortgage rates downward creates massive waves of activity There's agents still right now with interest rates where they are getting multiple offers In select markets around the country It's not the same everywhere and it's definitely slowed down a whole lot seven is a big big Change from where we are at were you know, 12 months ago and even 18 months ago 18 months ago Where we're looking at two and a half Yeah, they got a like 2.65 or something like that but that's okay because You know as a real estate professional What you have to realize is that we're not here to make the market do certain things make people do certain things We're gonna help help people through these situations and people need help more now than ever navigating this market where we're going because the the simple fact is That there are a lot of people that need to sell You know, there's a lot of people that want to wait and that's that's okay. That's fine Next week Monday. I'm going to do a break a full breakdown of Renting versus buying right. I'm going to illustrate with mathematical equations how Even in today's high interest rate market and how much higher it is to buy than rent on a monthly basis Right now as we speak how the numbers actually work out just over the next 9 to 10 years in your favor if you buy so stay tuned for that but But let's dive in here for a second first off here is the actual Uh Article here where mortgage rates are back above 7. This was yesterday Now today We're at 6.97. So it went down 13 basis points in just a day. So it just barely touched It barely touched 7.1 Now again, there's two things that's going to happen here You know rates are going to settle in now What I what I really believe here is that with affordability where it is Which is really high rehousing affordability is is out of whack honestly And what I what I see transpiring is that yes, there's a lot of markets getting multiple offers right now There's still a lot of activity out there compared to what you what you would think that it would be under these circumstances um, but what I feel like is that there's only Uh, there's only a certain number of buyers who can actually afford At today's interest rate and prices and I believe that we're going to run out of those type of buyers at some point in the year Things are going to get really slow Now interest rates are going to ease down a little bit and that's going to help tremendously And also prices are going to continue to ease down. So all that is going to keep continuous activity brewing And that's what I think is really beautiful about this year is that if you take this year To really build your influence talk to the as many property owners as you can Create as many new friends in the market as you can do your weekly email Do your social media that you are going to be so extremely busy This year and the amount of effort you put in Compared to how many closings you have and how much money you make is probably not going to equal the same as What you did in 2021, but you got a thing 2021 You know, you you didn't have to put forth that much effort make a ton of money. That was a one-off year and It wasn't really quite normal now the penal is swung all the way the other way And it's kind of teaching us grind And what's really cool is that when you go into a market like this and you get accustomed to the grind If having to build your business through a time like this and you build that influence so massively When we get back to a normal market where it's a lot more balanced out um and like you know Prices coming down suggest a buyer's market, but inventory does not say that we have a buyer's market It's the whole market's very confused right now And even gary keller said that this is the most confusing market that he's ever seen But as this happens prices continue to Uh to dwindle now, let's say doomsday happens and they stay at seven or even go to eight Well, what happens is prices come down and when prices come down Um properties are not going to be hard to sell And we still have 75 of absentee owner investment properties Being sold cash We still have 29 of properties overall All transactions being sold cash and that is up You know back in january 2022 is 27 percent december 2022 is 20 28 percent in january 2022 is 29 cash transactions So cash will continue to happen and if prices come down cash buyers are going to come out by the You know by the truckloads because there is a lot of liquidity on the sidelines There's a lot of cash on the sidelines it makes things so interesting I I believe one of the one of the key things for real estate agencies to be a listing agent You know focus our your energy on listings and take what buyers come out of those efforts. I said that in my book list to last But I want to share with you Some slides here Um this shows you the mortgage rate situation Let's see if I can move this just a tad so I can see what's happening. Here we go I don't know if you guys can see that really well or not, but This is the mortgage rate situation the mortgage. I'm sorry mortgage applications And then you can see here that this right here was the 2008 actually 2008 You know it came down and but really you know the 2000 You're really on like we're on it. It's almost like it's right there 2016 14 Uh, but we are a little bit lower a literally a tad And that line actually goes back to 1995, but what what's so interesting about this to show you this Is that You know, we had the little rush of mortgage application activity You see that right here You see it right here, you know mortgage application was down and boom. We had that pop. It was a 28 pop Uh week over week Okay, so so that shows you because mortgage mortgage rates went down just a tad So that shows you that the the slight little decrease in mortgage rates are so much pent up demand Okay, and what did that what did that do when that happened? boom We saw the data there with with an r that we had a 8.1 percent month over month pending home sales Right, which was it which was the second straight month It was the largest monthly increase since june of 2020 Okay, the largest increase since june of 2020 now that's going to come back down because interest rates have come back up There it's it's it's reduced demand and so here we sit but but but what a great test to the market Right, what a great testament to the resilient Market that we're in that the slight little decrease in interest rates is going to create some serious Uh transactions Now a couple of key things to note, you know, right now in america 2022 the average equity in a house Is 58 percent Back in 2008 it was 19 27 38 44 58 percent you guys know how far down prices have to go to actually hit any kind of real danger when it comes to equity Yes, there are people who who bought houses at the peak that uh at a fha at 3 loan or whatever that are Under water right this second very very very small amount and those people as a whole Did not buy to sell it next year. They bought it to keep it for 10 years, which in fact they will win Delinquency rates are up on FHA homes right now Just a tad and I believe that tad is about all we're going to see But that's just my opinion again, you know, I'm not saying that I know what's going to happen because I don't Nobody does But it's just interesting to look at all this and think about what this means in relation to your business So following the two and a half percent drop in home prices This is fanny may talking in the second half of 2022 Fanny may expects home prices fall another 4.2 23 Okay, and then in 2024 another 2.3 So they're saying prices are going to drop four a little over four percent this year and then two a little over two percent next year So they're thinking slow decline all the way through the end of next year Okay, but look at this if any may is right And this housing slump, uh, this housing slump would see the national housing market pass through a mild Home price correction. Okay, not a full-blown housing price crash Right. Okay. You guys all agree there that if this is true 4% and 2% We're going to look at a mild home price home price correction, which would be just fine And after all if these price drops do happen national home prices get this would end up 2024 still up 29% from march of 2020 levels So even if we go down another Nationally speaking right and so what's interesting to to to note about this is that They're talking about about a 7% decrease from now to the end of 2024 of home prices And so if it's a national average of 7% that means you've probably got some markets that went down Another 15% 20% possibly and then you've got some markets that go up in price from here So keep that in mind that this is all relative to your local market But let's look at let's look at a little bit more Data here. This is this one blows my mind Okay, this is home sold in the country that the red is 2020 the orange is 21 the black is 22 And the blue is 23 Now look at the trends it always starts down and then it always picks up about, you know, february You see closings happening and then look how correlated every year is You see the peaks are the same as the bottoms every year. You see that See how they mirror each look at that look at that And then look when 2020 came back from the from the being shut down Look it came back and you can't even see it because the orange line. It's almost identical All right, and look at the black it has the same peaks and that's this was last year It has the same highs and lows at the same times throughout the year. Isn't that remarkable? It's just amazing to me how correlated every year in how seasonal these markets are And this is inventory. This is active listings.  This is 2020. We're nowhere near 2020 And what's interesting about this chart is to see The the that the that every year in the beginning it's coming down It starts to creep up in February It slowly rises to august and then it always starts to dwindle down It's the same cycle every year guys Nothing to be worried about. So this is prices and you can see right now the blue line has Officially intersected the black line, which means we're going negative year over year prices on a national level now you may already be negative in your market right now or you may be positive Okay, but this is just on the national average price per home We are uh, we are we're negative. We're we're even at zero percent We are approaching negative and that's when we're going to see some Some uh, some nasty headlines in the news and when we get about here, which is june, which is when everything peaked out last year That's what we're going to have maximum year over year negative prices And we'll probably a little lower than we are now and so even the market's going to be just fine We're going to see negative headlines in the news Nothing to see here But again mortgage applications Okay Pending sells up. Let's go. And what does all this mean for your business? That's what you might be asking yourself Well, let me tell you what it means Absolutely nothing It doesn't mean anything Your job is to go out there and help these people that need help buying a selling closings are happening every day Do not sit around thinking oh, there's no deals happening Because that's when you're going to look back three years from now and realize wow, there was a lot of transactions happening at really good prices The market always bounces back Always surges back 110 of the time and the quicker the fat that as fast as this market has shifted I believe my theory is is that the market's going to shift back even faster So keep that in mind As this thing unloads, but we know closings happen every day For the rest of our lives regardless of market conditions. I've been saying this for years guys for years This was my business back in 2008 Here's prices coming down My business I kind of held firm with my market share And then all of a sudden when the market bounced back my business exploded and that's how I got to 100 deals a year Right I didn't do anything different I just time went by my database grew My influence grew and then and then my then the market did the rest So take advantage of this moment guys Please take advantage of this moment. I'm gonna You can't look back and say I didn't tell you to go take advantage of this moment This was a screenshot of mls From january 2014 to the end of december 2021 so eight years And there I am right at the top of my entire mls That's teams. That's legends. That's everybody and it's because of what I did During the 2008 2009 2010, which is your moment right this second The agent who creates the most friends with property owners in the market wins period Now what do you need to do? Your daily goal needs to be five new friends a day property owners in the market Okay over five years. That's going to equal 6,000 people in your database You're going to create a weekly email for your entire database on the same day of the week forever You're going to watch the mls hot sheet every day to stay on top of the market You're going to make calls from 9 to 12 every day and do social media all afternoon It's not real difficult guys I'll leave this here for a second so you can screenshot it but it's This is super easy stuff. You just got to go Do it the problem is a lot of you just aren't doing it because you're getting caught up in the media And and everything else and as far as this social media goes Like I said, I'm going to do a webinar march 16th Make sure you're part of my text community. So just text me at 251 312 8 844 251 312 8 844 make sure you're a part of that so you can get the link when I send it out Along with everything else I do on that text platform But I'm doing a webinar march 16th to go through my process of creating social media at scale to build my businesses So don't miss that I'll be there All right Now, of course, I can't go through every little thing, but everything I teach you is free Everything's free guys Zero to diamond.com. I got courses Seven or eight courses there all free People are absolutely crushing it Right go read my book List the last how to survive every real estate market crash All right, I'll tell you what I'm going to give away five I'm gonna give away 10 10 sign copies in my book. I got a whole box of them right here next to me It's it's taped up or I would break out a book um But make sure you're part of this text. I'm going to give away 10 sign copies today Right. Um, and also I'll give you these slides Text me with that number and I'll give you all these slides For this presentation All right but anyway The bottom line is is that? Yeah interest rate shot up. Yeah Buyers may be a little scared. That's okay. They they should be scared Here's the punchline for buyers if you're gonna buy to keep it for Save in five years five 10 years You know, you are going to make money Through principal pay down and appreciation and this is taking out consideration for Utilities property tax increases real estate commissions when you need to sell I'm going to break all this down in a video next week I'm going to give you the exact equation here to go through your go through with your clients to show them the difference In buying versus renting even in this high interest rate market now. I'm not saying oh You know go buy because it's better. I'm saying Even right now it's good What I would do if I were a buyer and I can wait I would probably wait a little bit because rates are going to ease just a tad And I would wait just a tad so that I could be in even a better position But even right now it's it's like night and day It's like honestly it comes out to about a quarter million dollars over the course of nine years That's if you bought something For with a 300 thousand dollar loan at seven percent interest and you never refied Out of that loan you kept it at seven percent basically worst case scenario You still make a quarter million dollars through a debt pay down Principal pay down and appreciation I'm going to break all those numbers down next week If you guys need anything put it in the comments. Let me know what you think about all of this I'm going to put another video right here For you to continue watching and until next time keep selling


Yes, welcome back. This is still why in the morning. My name is Ram Magukko, if at all you're just joining us and of course you're just in time for the next conversation of the day and it's all about matters concerning mental health. And in this particular conversation, I am with Zipora Wanyeki, a counselor, she is a teacher and of course a trainer at Baton of Hope. And of course she is here to shed more light in regards to matters concerning mental health. How are you? I'm good. I'm also good, good to see you. You are considering so much on the welfare of the well-being of somebody. Very much, very much. It's important. How people are sick. Are you aware? Okay, so how am I doing? I'm doing well. Yes, yes. I'm doing well. Good, good. If somebody asks you, how are you? People always say, I'm fine. I'm fine. Is it possible for us to establish how fine somebody is? And of course, as we start this conversation on mental health, how best can you pick out signs of somebody who is not mentally healthy? Even though they have answered the question, I'm fine. Thank you. There are so many ways that you can be able to know that somebody is not doing well in as much as they say I'm fine. It is African when we are greeted. It is only Katias that we say we are doing fine. But you know that maybe when we look at you, you don't look like it when you're not healthy. And maybe we can tell people maybe the symptoms to look for when you hear somebody is depressed. Because they believe you would want us to talk about probably a depressed person and how we can know them. One way that you can know this person is depressed and is not doing well is sadness. Sadness. And it can be read from your face.  By the way you dress. By the way you're doing your things. So it doesn't need a lot of rocket science to know that somebody is not doing very... But you know sometimes we can misjudge. I know you've seen how some people can look at somebody and they say I'm not doing well. But the child is actually okay. Do we have such cases of misjudging? When you're not mentally fine, you may not pretend. And even if you tend to pretend, you know I always tell people there are these friends that we have and they come and say how are you? Ramu nendele aje. Nikotu poa. No you're not fine. Because we can tell, there are things that we can look and you cannot pretend for long. For example this person who breaks down for no proper reason. You're crying. But you don't even know why you're crying.  But we can't even tell why you're constantly sad.  All of a sudden gets reserved. Anata kukapike ake. It does not enjoy anything. This person we can tell is not doing very well. As you point. Today this is mental health awareness. Yes, yes. And I want to speak it at a different angle this time. Where we talk about the solutions, how best you can help them. Because I know yes, we've managed to talk about how best you can pick the signs up, the signs and the symptoms. But now we've never touched on the solution. How to handle. How do you help this person? Yes, how do you help this person? Sure, sure. When you realize that they are not mentally healthy. What is the best solution to handle it? Because we need to also avoid stigmatization. True, true. Now that we have to do how to look for. How to know your friends are ailing and you are now able to, there are some things that you are able to look for in them. How you can be able to help this person who is constantly sad. Who is not speaking. Who has no energy to wake up. A depressed person has no energy to wake up or do work or do what. They are not interested. They don't feel like they have been in a state of hopelessness for too long. So number one way that you can help this person is let this person have support. Support. By the loved ones. One of the characteristics of a depressed person is they tend to move away from people. They are loners. They enjoy their own company. Crying, thinking, all those things. Feeling empty and depressed. Now this person you can help by trying to befriend him or her. By making sure that they are constantly supported. The other day we were doing a show on loss. Somebody was just lost a relative. And you know the Kenyan style. Somebody has died. Umibaki pekiako. That depression can make you depressed. So if you want to help that person. Make sure that you form a serious support group for this person. So make sure that if it's a lady who has lost the husband. Hajatua pekiake.  They are able to talk. The more you talk, the more you occupy your brain. So you visit them regularly? Yes. Even having this person. If possible we actually advocate. You can even share bed if it's a lady. Yes. The person who has been left. Imagine this person who was spending the night with the husband in the same bed. Now the husband is in the grave. But the same bed remains. What do you think of that room? So get somebody who comes inside that room. And probably spend time with this lady. Until she's able to heal. And vice versa even for men. So who is it that is best suited to do such a thing? Because many consider that to be a bit too close in terms of privacy. Who are the best persons who are best suited for this? Okay. I'll say this. That's a difficult question. But this is Nairobi. This is Kenya. Everybody is working. The best people who would have done that were the immediate children. The sons, the daughters. But now it's not possible because you have to work. Even after this loss, you have to go to work. But at least you can get a friend who can just come and stay with you and work with you through this journey. Is best suited for that. As long as you get somebody who can be there. Somebody you can talk to. Avoid being lonely.   Because you tend to overthink. So support system is very important. All right. What other solution do you have for mental health? Because now we also have others who are... It is not about death. It's about matters concerning financial constraints. Sure, sure. We were looking at how to help these people who find themselves in such situation. Let's talk about this person who is in depression because of the current state of finances. The economy of Kenya is not doing very well. People are suffering. I always say that if this one person who is affected is the man, he is the breadwinner and he has an ego to protect. So your wife expects that you are providing for her, feeding the family and everything. And you can't do that. You feel crushed. You feel emotionally drained. It breaks you. And sometimes you feel less of a man. Yes. And if you are having these ladies that you have to... I mean, where are you here? We need to stop... Are you not aware that there are men outside there who can do it better than you? You feel bad. You feel crushed.  Especially the Nairobi ladies. Oh, they can be something. So how do you help this man who is struggling? Number one, it is always good to accept. We have come from a pandemic. People have lost jobs. People have lost status. Businesses. People have even relocated to shags. And so if you are living in a house that maybe was way too high, there is no harm in rescheduling your life. You will come back. You are the same person who was working. It is good to accept your situation. So don't hear yourself namadeni that you are living in Kiriteswa and the house was worth 100,000. There is no harm if you come back to a cheaper house. And you know they end up taking so many loans that they get themselves fixed. They adapt to your depression.  Reorganize your goals. Set attainable goals. You are earning 1M. You are not able to make that kind of money. Set attainable goals. And actually what these goals do, they motivate you. If you are able to hit small milestone, you become motivated. Wow, wow, wow. Let's talk about work related issues. For those who are working or having a business and things are not working out the way they expect and they are going through as a season of depression. Solution for them that can be applied. Thank you. You realize that I was telling the lady that there are two types of stress. Okay, there are many. But basically we can classify into what you call U-stress and distress. U-stress is good stress. What do you mean? U-stress is good stress. You need your body, your system requires some amount of stress to operate. Why did you wake up? It's because you're coming to look for bread. Yes. That is good stress. If you were not there, you would become obese. You'd be sleeping the whole day, turning this way, this way. So you require some amount of stress to... I mean, now these good stress is you have some goals to attain. You're hoping by December you'll have done this. Now that is good stress. Oh, yes. Now distress is now the bad stress. When it makes you stop living your normal life, that becomes distress. So you hear somebody is distressed. And somebody made fun of what I said. Yes, even babies can be stressed. I remember there's a time we said that. Oh, yeah, you said babies can be stressed. Why do you think Ram will hold a baby and the baby will look at you and cries? Na ha kujui? He's only communicating. I don't know you.  No, not really. The baby is trying to communicate amuse to mami's voice and to mami's face. I can't recognize this version of you. The baby cries. They don't have another language. Animals do get stressed anyway. Are you aware? Animals do get stressed. In Mombasa, I went to a place where there was some people cleaning a hala park. They were cleaning the snake houses. I asked how do you clean a snake house? I asked you when the snake is not stressed. All right. So anybody can be stressed. So when you're at work, how do you solve this problem? Yes, now the stress that you're getting from work you need to find out, is it getting you emotionally what you call burnout? Is it that you're not achieving? Is it that you're not hitting targets? Is it that you set a target that was way too high? Are you getting? Because most of the people have issues with the time management. You are to meet a deadline. You are unable to meet a deadline. And so here you are, staring in the middle of the night to type and send emails and everything and it's not working. So one of the best ways that you can handle your job is one, time management. Manage your time very well. Very very well. And I always tell people don't carry work home. What was meant to be in the office, do it in the office. What was meant to be at home, do it at home. When you start doing vice versa, I can imagine you ramsasu kwa pahumebe, but you took your gear, unafuafuangu. That was meant to be done at home. So when you start mixing because you didn't manage your time well, that is why you carried some work at home. Manage your time very well. Do what is supposed to be done at the right place. At the right time and also is important that you cultivate some social group even in workplaces.  Somebody can step in and do it for you.  It is mental health awareness month and I want you to talk to that youth watching it today. Let me just say to our youth that you need to reach out to them. Number one, most people have been depressed and stressed because of what you call self concept, self image, the appearance. I don't know who told our youth that you have to be this body size or you have to be like this so that you can fit in the society. Somebody made fun that midimipiatrapia binguni. So do not stress yourself over something. When too much is too much, go to a counselor, go to a therapist, seek help, avoid staying alone. Manage your diet, manage your lifestyle, know what you do, do what you like best, set your time, set your target very well and stay motivated. We should have this conversation even more. Thank you so much. That is Zepora Wanyeki joining us today in this particular conversation. She is a counselor, a teacher and of course also a trainer. Thank you so much Zepora for coming. You're welcome. That represents to the end of this conversation but we still have more coming up your way. Keep it one in the morning.