So, most of you know by now that I'm in a significant relationship and we now live together. And you're probably wondering how does a man commit? How does he make that level? And I use this as commitment as joining hands with another person, bonding with another person. In my case, it's moving in together. For some people it might be getting married, for others it might be the agreement of monogamy and exclusivity and what unfolds thereafter. So I wanted to explore the idea of readiness because I think it's especially with men over forty, understanding readiness can make a big difference if you're seeking a serious fully committed relationship. So when I go back in time to my journey of where I'm at today, after going through a divorce in my forties, one of the first things I did was join online dating. I was so unhappy in my marriage that I needed something to fill the void, so to speak.  I was feeling such a void and I wanted companionship, connection, and sex. So I just immediately put myself out on the dating apps. This was in the early, around 2005, 2006. Sometimes it's just hard to believe I've been divorced for over a decade and a half. And I remember, and some of you know this story, I'd go out on a first date with someone, I'd meet a really nice woman and we'd have a really good time and something wasn't right. I mean another woman, good person, good time, something wasn't right. Happened again and again and again. In fact in my first year after my divorce, I had over a hundred internet dates. I literally was going out on two dates a week meeting new people and that included having a short-lived relationship in that time for three months and I was monogamous and exclusive at that time. So I was really having a lot of first meetings. A few of those first meetings turned into a second date and a few of those second dates turned into again a short-lived relationship. Okay, so why am I sharing this with you? I said I'd meet someone, really good person, that something wasn't right. Well, I realized after a year that something wasn't right was me and I began exploring personal development, self-help and spiritual work and I felt like something was missing in my life and certainly at that time in my life I was going through a contentious divorce. I lost my quarter million dollar a year job in the insurance business and I say lost. I got, this is embarrassing to say, they wanted to put me back. I was in management. They wanted to put me back into regular sales and I just, I was burnt out at that point in my life. Anyway, why I'm bringing this up is back in those early stages when I said something wasn't right was me, was I was actively dating hoping to connect with someone and yet I wasn't ready even close for commitment. In fact, remember I shared a moment ago about that short-lived relationship, it was three months long. I remember the first thing she said to me is Jonathan, I have to date you with rose colored glasses. I go, why do you say that? She goes, you are so not ready for a relationship. She said that to me. I was on our third date and I said, I'm ready, I'm ready, I'm ready, I'm so ready for a relationship. She was nice gal. We're still friends to this day. In fact, she met someone amazing after our relationship ended and she got married. In fact, I have this feeling I'm like that movie Good Luck Chuck. If you went out with me there's a good chance you'd meet someone right afterwards and this happened many a times. Anyway, she said you're not ready for a relationship. When I said I'm ready, three months later I realized I wasn't ready for the emotional responsibility of a relationship, emotional responsibility of a relationship. What I mean to say is you certainly heard men are provider protectors. Many men, the protector notion is protecting from the physical elements of the world. From neighboring tribes and such trying to take over your tribe and whatnot and have your bow and arrow and be the protector goes deeper that. I think when a man isn't ready for commitment, it's because he's not ready to take on the emotional responsibility of being a protector in the relationship. In other words, being so attuned to who he is and where he's at in his life that he recognizes that the minute you bond on an emotional and physical level, when you start to bond in that emotional, physical level, there is an element of protecting the other person's best interests until a man is ready to protect your best interests because that's what real trust lies in a relationship. It's saying your needs are just as important as my needs. Your best interest is as important as my best interests. That's where trust lies. Till a man is capable of getting to a place where he says his partner's best interests are as equally as important as his best interests. Yet sadly today, many women alike, especially the early stage of dating, it's always I want my best interests. It doesn't matter if you're the man or woman and their interests are lie here. What tends to happen is women start to be more inclined to be caring about the man's best interests, but he's still here because if a man isn't ready for commitment and I do believe commitment means going beyond monogamy and exclusivity because it's easy to agree to monogamy and exclusivity to actually commit to putting that person's best interest as relevant as their own best interests. Think about that for a second. It's really saying this is an important piece and if the man's life, one of the reasons why men coming back to readiness and coming back to what I shared before, I was going through a contentious divorce. I was going through professional issues in my life. Those are two important necessities. What I mean to say is stability from your past, stability in your present life and for some people it doesn't have to be a contentious divorce. It could be grand issues with their children in life. For some people it could be substantial health issues. For some people it could be caring for elderly parents. Many of us in the baby boom Gen X period, that's something we're faced with and for some people that can be so overwhelming that the ground underneath them doesn't feel solid to actually be able to commit to another person beyond monogamy and exclusivity. That's actually something pretty easy to commit to. For some people it seems to be hard to commit to monogamy or exclusivity because they want to keep their options open. The other piece about readiness for commitment is also the desire to want to be fully committed to someone. As I shared in the beginning of this broadcast, I'm now grateful to be living with my partner. We didn't meet that long ago and some people have criticized, well we rushed it. Who am I to judge someone else's choices and who are you to judge my choices? I'm not suggesting you have. I have lots of people that have out in the social media world. They don't know what's happening inside our world. For some, yes, it might seem that way. For many of us baby boom Gen Xers, we don't have a lot of days in front of us so we want to make the most of the days right now. Living together made sense giving that it's a long distance connection. We had a plan very early on to get together and so that demonstrated my level of commitment. My level of readiness was I wanted to live with someone and I actually want to get remarried. For the longest time after my divorce, getting remarried was the last thing I wanted to consider in my life. So a lot of healing had to happen for me to be in that position to be ready to fully commit beyond monogamy and exclusivity and then at least committing to living together. Listen folks, my channel, my philosophy is based on the agreement of partnership with another person. Two people can don't have to live together to be in partnership with one another and at the same time I think that is a strong level of commitment to one another when you agree to move in together and be partners in one another's lives. It's kind of funny because we've only been living together for a short period of time, I mean only a few days. Last night we were on our computers looking for things to buy and we're both shopping on Amazon and we were taking turns and it's like, no, it's like, all right, if you find it first the other person has to pay for it, we have a little game going, trash can we need to order, which would be the best one. That's demonstrating a level of partnership. And so for a man to be in a position to be ready, to be in a committed relationship with someone, first and foremost, I believe the past has to be clean. Not too much, there's not, I mean, we all have residue from our past, but that residue isn't icky like a contentious divorce. The current level of their life feels stable, it's not in chaos, ladies, many men reach out to you, their life is in chaos and dating has replaced therapy. That's why a lot of people are experiencing, you know, a lot of online communication with their devices, you know, with their smart phones and such, because it's just replaced connection through the dating apps has just replaced the need to go to a therapist. It's a band-aid therapy session for a lot of people. I mean a lot, a lot, a lot of people. My coffee mug says, I don't want to work anymore, I just want to be put up on a pedestal, be cherished, put up on a pedestal and take care of it. A friend gave that to me. Why not? It's nice to feel put up on a pedestal and yet at the same time that could be a tremendous responsibility and if you're not ready for that equally putting each other up on a pedestal, for some people it can feel like a burden and for some people they can take advantage of one another. And so coming back to the readiness, past is relatively clean, the present life has a level of balance and lastly there's a true desire and willingness and I know many of you are dating frustrated today because you don't see the men willing to commit. Listen, if I was there on a first date, you know, you were meeting a man for the first time, I'd have my shotgun out and pointed at his face and say what are your intentions because I'm your big brother. What are your intentions? It used to be there was a responsibility emotionally to be aware of your intentions and we have such a dysfunctional society today that it's no wonder the dating marketplace is so chaotic on an emotional level because true intentions and like a lot of men say I want a relationship, well ultimately wanting a relationship and understanding the mechanics to a healthy happy relationship are two different things. Yes, some men want companionship, connection and sex and some women want that too. It's not singular to men and yet ultimately what are your intentions from where do you want this dynamic to go at some point? I think it's foolish not to have those intentions certainly when you go on a job interview, if you wanted that job you have an intention of getting that job. Well, why is it that we criticize people that go in with an agenda? Now certainly when you're going on a job interview you're interviewing each other but why is it criticized to have an agenda? I think we need more agendas which is intentionality which actually demonstrates a real readiness for commitment. Alright, so just to remind you before I wrap up, see clean with this past is this present clean and lastly is he intentional? This is why I encourage everyone to ask deeper questions in the early stage of the dating. This is why I created my private coaching program so you can learn which questions to ask a guy based on your personality to determine if he's right for you. Alright, I think you got a gist of where I'm going, okay? Alright, well I'll keep you posted on how my relationship is going. Maybe I'll even bring her on a couple videos here for the group but until that happens, I think I'll, oh I'd like to hear your thoughts on what I shared below. Please post a comment below if this resonated with you or not and if you have something to add. As always if you find value in the group please tell your friends about Midlife Love Mastery, send them to my website jonathanasley.com, have them click the group coaching button so they can join our fantastic group and I'm going to sign off this video as I always do.  I'm going to reach into the camera and give you a hug of love if that's okay. I'm going to ask you to turn to someone, a pet, a teddy bear, a pillow and give Iter them a hug of love because hugs are a great source of love and let's face it we could all use more love in our lives. Thanks a bunch. Bye bye now. Bye bye.


What is going on guys welcome back to the channel critical overload here So we're gonna be talking about the child's play TV series the Chucky TV series that we know is a game coming to the USA sci-fi network later this fall on October 12th What I wanted to talk about today was the fact that we now know who is going to be portraying a young Charles Lee Ray as a child and the episodes that they will be portraying Charles Lee Ray in Now this news came from bloody disgusting who managed to Find out who the actor was going to be portraying Charles Lee way Charles Lee Ray in the TV series because we know based off of the plot synopsis that has come out we know that we'll be diving into the backstory of Charles Lee Ray and learning perhaps what led him down this path to become the notorious Lakeshore strangler and And just get to I guess feel some type of maybe sympathy for him perhaps even Who knows we're just probably gonna just get to know him a little bit more dig deeper into what made him the monster that he is But I hope it's not just done to the defect where we don't even really see him threatening anymore That's my only thing. I hope we don't get but anyway the actor who will be portraying Chucky Charles Lee Ray in the TV series is David Cole Smith, I believe is how his name is pronounced he's from films like the prodigy and bloody disgusting Revealed this earlier today By the time you're watching this video. It would have been yesterday But it says that while we got a taste of Charles horrific passing curse of Chucky Chucky will dwell or delve deep into the mind of a serial killer as Dorff continues to voice the iconic doll Bloody disgusting learn that David Cole Smith will play a very young Charles Lee Ray in the new series Now what I wanted to do was add on to that and again shout out to Ray. I was tipped off about this back on July 13th and I just never really when it made a video to talk about it I just didn't necessarily feel like talking about about it just yet because things could always have changed But apparently this is something that's locked in and it's official. So since this is official I now want to talk about the caption that you see on this image on your screen This was shared by Chucky 0 to 0 to 1 on Instagram And it says David Cole Smith will be portraying Charles Lee Ray as the child of As the Chucky child in episodes 1 2 and 3 Whether or not that of course is true We'll have to wait and see but I just want to flesh out a little bit more other than what bloody disgusting reported So he will apparently play Charles Lee Ray in episodes 1 2 and 3 So beyond the watch as you're watching this series later this fall to see if in fact this ends up being true And we see him as the young Charles Lee Ray in episodes 1 2 and 3 The other thing that I wanted to talk about briefly was what Don Mancini said during his Hype for the show last week when he was hyping it up and we got our teaser trailer for Something the teasers foot that we know we're gonna be getting later this week when the full trailer comes out at the cinema con at home convention, so Don Mancini actually revealed that The TV series in and of itself is going to be Ten not ten eight episodes instead of ten like we thought it was going to be or that I had thought we're gonna be because of what the IMDB DB page was saying now What may have happened is they decided to cut it from ten to eight for some strange reason, but in a portion of that Quote that I had last time. I'll put it back up on the screen He stated that he appreciates that they have spun a relatively consistent and coherent narrative over the course of 33 years and Seven films and now eight episodes of television So right there he he's he mentions eight episodes of television, so it's not going to be ten Like I had thought it was gonna be because that's what IMDB had listed now again This could be because they decided to cut two episodes and just make it eight for whatever reason or another They decided to cut two episodes in between and just give us eight instead The other thing that was mentioned was kind of what I had already said I want to see He's he talked about the fact that they begin the series Introducing our new story our new our new Malou and then we start to bring the veteran characters into the story And it all comes together for a big showdown Which is how I would want to see this happen like I've already stated I don't want to see this show start out with Jake's character and then become the Andy Barclay Kyle reunion show or catching up with Tiffany and Nika and what's going on with Nika and Tiffany primarily now We need to know these things and of course we want to know what's going on with these characters But I don't want that nostalgic factor to then take over Then the Jake storyline this I want Jake to be our focus. I want Jake to be fleshed out I want us to get to know Jake. We already know these characters. We Haven't had time spent with Andy. It feels like since I want to say Child's play 3 we don't really get to spend a lot of time With Andy I'll say and I don't feel like enough time is spent with that character in Colts of Chucky's definitely not curse if you depending on what cut you watch. He's not even in that movie He's a post-credits scene in the L rated cut. I believe and then if you watch the Rated cut. He's not even there. So I would hope that we When we get to catch up on these characters will learn what they've been going through of course over the years But it's nice to know that the approach they're taking is Developing Jake's story and then they'll factor in the veteran characters and it culminates into a big showdown Which is the methods that I am glad they are taking. That's what I would like to see I do not want to see this show become the Andy Barkley show and how Andy Barkley has been Traumatized for the past who knows how long and then Jake becomes a footnote. It's like well, don't do that Well, finish Jake's story.  You can keep the veteran characters I don't know how long they'll be able to keep making them interesting until we just want to see Jake's story primarily I would hope what does not happen is that Jake becomes so uninteresting that we clamor to see more of the veteran characters We definitely don't want that But I'm glad that's the approach you're taking. It's apparently gonna be eight episodes We now know who is going to be playing the young Chucky Charles Lee Ray and we have an idea or speculation based off of that Instagram post of what episodes that'll be occurring in that'll be Happening apparently in episodes one two and three So we'll see if that ends up being true when this series airs later this October on October 12th But let me know what you guys think about this down in the comment section below Are you still looking forward to the Chucky TV series? What do you think about us going into the backstory of Charles Lee Ray? If you haven't already make sure you subscribe turn on post notification and miss video in the description I have links to my social media accounts on my Facebook Twitter and Instagram you can message me there Of course, let me see movies news or reviews you like me to cover in the future and with all that in mind guys I will see you in the next video


This is Think Tech Hawaii, Community Matters here. Aloha, and welcome to the Condo Insider, a program all about condo living, condo owning. And today, we're going to talk about condo purchasing, which is an important aspect of owning in a condominium. You have to buy it first. And I'm really pleased to introduce our guest today, somebody who I've known for close to 14 or 15 years. And that's Leonard Loventhal. He's a loan officer with Honolulu Home Loans, and I'd like to welcome you, Leonard. Thank you, Skye. It's nice to be here. Well, it's nice to see that we both still are not gray-haired yet, but Grecian formula works wonders. I was really excited about inviting you on the program today because we've talked a lot of things over the last couple of years on what it is to own a condo, what it is to deal with boards and the documentation and all that. But then it dawned on me we haven't really talked about what it takes to purchase a condominium. And that's a little bit different than when you're buying a single-family home. So first off, just your opinion, we both have an opinion on this, is do you think that due to the increases of prices, which I believe now the average price of a single-family home on Oahu is over 750,000, that more first-time home buyers are moving towards the condo purchase rather than the single-family purchase? Yes. Because of the entry-level single-family home price is up there as well. The condominium becomes obviously another option for them to at least get something by a piece of the rock. So definitely condo purchasing is still very popular, especially for entry-level starters. Well, and that's very important to understand because especially for a first-time home buyer buying into a condominium there's a lot of concepts in condominium living that don't really apply to single-family living that may be a bit of a surprise to a buyer when they first get in, understanding house rules and the bylaws and all that. But what we're here to talk about today is purchasing a condominium and there's a lot, personally I think there's a lot more paperwork when it comes to buying a condominium than a single-family home. I think for today's session, which is only 30 minutes, it's impossible to cover. This could be an all-day class on how to make sure you're positioned properly to buy a condo. I think today, between our discussion, we're going to go over some of the key elements on the lending side that need to be in place for a loan to get to the closing table. Right off the bat, is it different financing a condo than it is financing a home? It's absolutely different. There are different guidelines, different rules and different, I guess, gotchas that can easily happen on a condo versus a single-family dwelling. It depends where you want to start on that. Well, let's just start off with, is there a difference in financing like down payment and things like that to qualify to buy a condo? The biggest difference on the down payment would be on an owner-occupant purchase, which are most entry-level buyers, obviously they're buying their first place, they're going to live in it. For them, condo down payments can be as little as 3%, 3 to 5%, which is good. For an investor, your down payment has to be in the range of 20 to 25%. That's been that way for a while now, so that's the first big difference. The second major difference is, if you're an investor buying a condo, the occupancy has to be 51%, or over 50.  Big difference there, owner-occupant versus investor condo. So the owner-occupancy requirement is not as strong for owner-occupant. Okay, well, that's a little bit of a change over the years. It used to be when we had our meltdown basically in 2008, all condo lending got locked down, so everybody had to achieve that 51% owner-occupancy ratio, which is not always easy to reach in a lot of areas and a lot of condos. That was for everybody, but it's been a few years now, so it's only for investors. Well, one of the topics that has been bouncing around for the last couple years in the condo world and even at the real estate commission level is the lack of amount of condos that are, let's say, FHA approved. That's a whole other minor discussion, but for the most part, most are not. Basically, FHA was tied to VA, then I believe VA is revamping their entire approval process, so for FHA and to some degree VA, condo purchasing is challenging. Well, I would imagine, although we do know, both of you and I know there are developers out there that when they do the townhouse-style type of condominium, so to speak, they always go the route of getting FHA and VA approved because that opens up more of the market for them. But as far as the new condominiums that high-rises, most of those condominiums have not gone that route. It's basically conventional financing. But even the conventional financing you can get in with the lower down payment? You can, as an owner-occupant. Yeah, as an owner-occupant. So I would imagine there's a different variation in regards to paperwork for a condo as well. It's a typical loan, let's say, for an owner-occupant. What is it that you want to see? I don't know if it's paperwork per se, but there's much more due diligence that needs to be done. Starting with, like you mentioned here in some of the notes here, the RR105, that if that's gotten at the beginning versus two weeks into it could make a big difference. Well, yeah, let's talk about that right now because this is a document that was created by the Hawaii Association of Realtors about 20 years ago. And it's gotten different variations over the years as things change. And a lot of times it's my understanding from way back 20 years ago that the idea behind it as this was a form for the banks, that it detailed information like the owner-occupancy, any litigation, does any one entity own more than 10% of the units in the building. And over the years I think what has happened is buyers and realtors as well have started using that form as like a short-form disclosure. And a lot of people will read that form but then not read the declarations or bylaws, they just look at that form. And I think that's not really what the proper use of it was. Is it, in your opinion, still used strongly as a bank type of form? I would think so. Again, if you have lending going on, this form becomes the first major checkpoint. So to not, and sometimes it's not available for whatever reason, depending on the management association that's managing the condo, some are great, some are slower, it depends. So to not have that at the beginning to vet the condo itself for your client for us can be an issue. So yes, we definitely, the earlier I can get that, the better off we'll be. So let's just discuss real briefly a couple of the questions that are on that particular form. One is they want to know if vacation rentals are allowed in the building. Right, because that can be an immediate gotcha. If there's any concentration of property, take you out of conforming lending, conventional saleable, Fannie Freddie. And then you're probably into more of a portfolio or using a local bank's portfolio to do their loan. Well, I actually saw that at a condominium where the developers still own like a good 60, 70% of the units. That's the second one. And there was one bank that would loan, but they were portfolioed loans like you said and they would only do three in the building a year, which really cut out the availability to people. Right. You know, the other thing that always caught me too was they want to also know is are more than 10% of the owners delinquent in their HOA fees. So that rule is another gotcha. Anything above 10, it may or may not critter you, but anything above 10, double digits, you've got to put up a big red flag and you've got to do more work. Anything above 15, you're probably done. And as you and I were talking and you just mentioned too about the meltdown, which was what, about 2008? After that we saw a tremendous amount of condo associations that well exceeded the 10% delinquency. So it was probably a hard time getting the loan for a condo. You even saw states back in the East Coast, like in Florida, where I don't think you can get a condo loan for a while. That's the extreme. So that was the height of it. And we can still do it here, but these notes become very important. These checkpoints here, including occupancy, that's still important, especially for an investor. That's a big deal. For owner occupants, not as much. I check all of those. Litigation is another pretty big one, because litigation is subjective. It's very gray. That's where one lender might say they don't like it. Some lenders may just see the word litigation and just be done, whereas some might say, let's look at what is the actual litigation. Maybe it's just something between a worker on the condo grounds against the association, which has nothing to do with the actual structure. So the other side of that litigation issue is, is it being covered by the master policy or is this something that is going to cause a massive special assessment to everybody? So I've seen main lenders who are just pretty far away not dig a little deeper to find out what it is. And they just see the checkbox, and they say this condo is not acceptable to us. Whereas we've done some here where it's not as major, it's not structural, the main thing. So the other issue that comes up, and again I think it was a result of the mortgage meltdown that we saw back in 2007, is they also want to know does the homeowners association actually own more than 10% of the units? And the reason they may is because they took them back in foreclosure. Back in foreclosure, and then you've got to watch out for smaller condos with smaller number of units, under 20, under 10, under 5, the rules change as you go down in size, it can be very challenging if the lender doesn't do their homework, they could get stuck. And if there's no association, that could be a problem too. So with condos, that can all be thrown into the mix. Well, just as an example, I can remember after the mortgage meltdown I managed a building that was only 45 units, and within a year, 14 of them were in foreclosure, more than half were delinquent on their maintenance fees, and they were leasehold for renegotiation that year. There's a perfect storm for that association trying to get financing. Trying to get financing. You might still be able to get it, but if you put 50% down, you take a portfolio loan, it's still possible, but you're not going to get Fannie Mae. Well, I think that's a good point that you made, it might still be possible, but your down payment might be much higher than the requirement. But the moral of that story is as a realtor and as a client who wants to buy, always ask. Well, since I brought it up and it's not in our notes, I would like to point out, too, that if it is a leasehold condominium and there's only 20 years left on the lease, what is the lender going to do? 15-year loan. Yeah, pretty much. Which actually I like 15-year loans, too. Every time you make a payment, you can actually see it coming down. You can see the principal actually move. Along those lines, there are a lot of condos now that are leaseholding on Oahu, especially, that are getting short. And we've aged with that whole topic, and now it's common. And I think, and it was predominantly with the mainland lenders, who actually didn't understand this. In my own building that I used to live in on Maui years ago, it was a leasehold condo, and it only had, I think, 18 years left on the lease. And there were people in there getting 30-year mortgages. So I don't think somebody was checking when they did the whole lending on it. Possibly not. We've seen everything over the years. That's possible. Let's just say, for an example, that they can't get the RR-105C. Do you have your own form that you can provide? Not really. At some point, if you want to do a saleable loan, you need that form. Sometimes they ask us for that, and I say, no. So you need to, and if there's no association, that's a whole different thing. I think what it's important to remember and could be frustrating for you as well. One of the buyer is that there is no legal mandate, nothing in statute that says anybody has to fill out that particular form. So that's part of where it gets a little... That's kind of rare. I don't see every loan obviously that goes on in Honolulu, but it's kind of rare from my experience. Okay, well, let's take a one-minute break, and when we come back, we'll continue on with discussion about how you finance the condominium. This is Think Tech Hawaii, raising public awareness. Hello. I'm Helen Dora Hayden, the host of Voice of the Veteran, seen here live every Thursday afternoon at 1 p.m. on Think Tech Hawaii. As a fellow veteran and veterans advocate with over 23 years' experience serving veterans, active duty, and family members, I hope to educate everyone on benefits and accessibility services by inviting professionals in the field to appear on the show. In addition, I hope to plan on inviting guest veterans to talk about their concerns and possibly offer solutions. As we navigate and work together through issues, we can all benefit. Please join me every Thursday at 1 p.m. for the Voice of the Veteran. Aloha. Aloha. Welcome to Hawaii. This is Prince Dykes, your host of The Prince of Investing, coming to you guys each and every Tuesday at 11 a.m. right here on Think Tech Hawaii. Don't forget to come by and check out some of the great information on stocks, investings, your money, all the other great stuff, and I'll be your host. See you Tuesday. And welcome back to The Condo Insider. We were having a discussion with our guest Leonard Laventhal from Honolulu Home Loans about the issues of financing a condominium in the state of Hawaii. And I had mentioned to you during our short little break there that I really like that you brought up that there's gotchas when you're in the process of doing this, that a typical buyer, particularly a first-time home buyer, might not be aware of when they're buying a condominium. So in your opinion, what are the most common gotchas? So as we talked a little bit about in the first half, when you're purchasing a condo, especially with a minimum down payment, with a first-time home buyer, they have no idea what to look for. Much different than a single-family home. The condominium has condominium documents. It has, I guess, specs. It has metrics. It has things that you need to figure out much more than a single-family home. Single-family home, you're basically looking to see what condition it's in. Yeah. You're done. The condominium, you're looking for, we talked about it, owner occupancy. You start with that. You look at delinquency on HOA dues, which is still, can be commonly in the 10% to 15% range. You're looking at, we didn't talk about this. We're looking at, of course, the number of commercial space, square footage of commercial space in the condominium itself. Because if that becomes too much of a percentage versus the entire space in the building itself, that can be a gotcha. And a gotcha just means you're not going to get best terms, best pricing, best rates. You're going to be, if you get anything, it's going to be a portfolio. The other thing about being a portfolio loan is your down payment might go from 3% to 20 in a snap. And that could easily derail your transaction, especially for a first-time buyer, who can't go from 3% to 20. So these gotchas are things that need to be done obviously up front. And the due diligence here, including litigation, because we have a lot of condominiums in especially in Honolulu that have various forms of litigation. So if you add all of these things together, that's a lot of due diligence that needs to be done. And as I think of these things, we haven't talked about reserves. Now, condominium reserves, there are different requirements. You're probably more familiar with them than I am, being more of an insider on the condo itself. For lenders, that can be gray too. Some lenders may be focused on it completely and may require their own overlays or requirements on what reserves are needed in that association. Others may not be as keyed in on that. That's kind of gray, not as much as some of the other things that are actually measurable. So that's another one that comes up from time to time. Well, the other issue too, and I've had this pop up as a gotcha a few times, is the master policy itself for the association as a whole. That's another one we haven't talked about yet, the insurance. Now you've got insurance for the master, you've got insurance for the actual loan itself, and you may need flood. Even in a 30th floor of a condo that is based in a flood zone, you need flood insurance. And if the building doesn't have it, guess what? You need to put it on your loan. And that's hard to explain to a first-time buyer why you're up there. Yeah, you're way up there and you've got to have a flood policy. You've got to have a flood policy. So that's just another element to the entire discussion today. And surprisingly enough, when a buyer is thinking about buying in a condominium, and it doesn't matter if it's a first-time home buyer, or it's somebody where all the kids have gone off to college and they quickly got to sell the house and buy a one-bedroom condo so the kids can't move back home, one of the things they don't factor in either is the maintenance fees. That has a big effect for qualifying for the condo as well. So for qualifying, and one other thing we should mention now is that a lot of times individuals will buy a condo because they want to stay in downtown Honolulu versus they could buy a single family home, but it'll be more rural. But yes, you've got that condo fee, the maintenance fee that could easily translate to buying a single family home with a much higher loan amount for that $300 or $400 that you need to pay for the condo. So you're correct, that's another qualifying issue. And that could easily translate to $100,000 or $125,000 of house in the rural area. That's an aspect I hadn't actually looked at before is how that could affect the amount of the purchase. And we're actually looking at common maintenance fees being in the 4 and 500 range now. It's not high or depending on where you are. We start at 4 to 500, and when we're doing the pre-approval, our realtor says, what can they buy and it's a condo? It can vary. If the maintenance fee goes from 400 to 200, that's $100,000 or more of difference in purchase price. So it can make a huge impact on your pre-approval and your actual purchase. It's a big deal. So before the market really took off again, there were a couple buildings here in downtown that went up. And of course, when they're brand new projects, state law requires that 50% of them must be offered to owner occupants first for the first 30 days that they're offered. And I saw a couple condos here where they were just lining up down the street. And in one interview where they were interviewing the people standing in line, the number one reason they were wanting to buy into this condo was so that they could walk to work. So obviously they lived downtown. They wanted to be able to avoid all the traffic and things like that. And then we just saw in the news last night that there is another project over on the west side that is selling out very quickly. Single family homes. So there is obviously a pent-up demand. But again, the price point is what's going to turn people to what direction they want to go in. Well, an affordable or a reserve unit in town now is 400,000 to 500,000. So that's a reserve unit. That's what we're fortunate about in Hawaii, however, is at least it usually comes with a parking space. I mean, on the mainland, they sell you parking spaces that are more expensive than some of our condos here. One of the thoughts along today's discussion is that when you're buying a new tower or a new building in, say, Kakaako, some of these issues are not going to be there. A lot of them are not going to be there. Because they're brand new. They're brand new. So you do get away from those things, but you have to wait a couple of years and you've got to stay qualified for a couple of years. And they don't realize that. You put your deposit, it's kind of there and you're done.  That doesn't get you a deposit. I was just going to bring that up. In my 35 years, it never ceased to amaze me that once they buy a new condo, they're even not done with the financing process. They run out and get a new car to go with the new condo. Or furniture. Or furniture. So anything along those lines, as part of today's discussion, is you've got to stay qualified. Even when you're not done yet, you stay qualified.  And I don't say senior citizen anymore. I say seasoned citizen. Ever since I got my AARP card. And so in your insight into the community, what are some of the trends that you think you're seeing? Right now, we saw a huge absorption of condo buyers in right in Kakaako, Humongous, thousands of units.  The price points are high. The trends are still there's not enough entry level condominiums that are truly affordable for everybody. And that would be maybe in a two, 300,000 range. That's very limited. So we don't have that going on yet. But we filled a lot of the void with some of these other high rises. And there's still demand for living out in the west side at the lower price point. Yeah, lower price point. And it's still a seller's market right now. A big seller's market. So the buyers need to work a little harder. They need to get better prepared to get into a condo or they're home and just got to work harder. It's a seller's market. Well, and it's interesting that last night they pointed out on the news that if somebody bought a home just a few years ago they're already looking at approximately 150,000 in equity. Possibly. And so what's happening is they're taking that equity out and buying condos as an investment. So that's also probably what's spurring the increase in the condo pricing as well. But it's an interesting point you brought up about the increase of building in Cacaaco. And I sort of have to laugh to myself when I see that initial add for the owner occupant. And the price point starts at $1.2 million. That I don't think they're lining up around the block for that particular. Not quite there, but even at the five to $600,000 range they're still a lot of buyers. Yeah. And they're getting there. They're easily making their quotas right now. Well, at least we haven't become like San Francisco where their ads actually say starting in the low millions. We're not there yet. Not yet. Not yet, but we're continuing to see the rise and it's just a constant increase and get in. I still say when you can qualify, give it some serious consideration. It's going to go up. So let's say I'm a first time home buyer. I'm looking at a condo because of the price points. What should I prepare for to come see a lender? Well, you definitely want to have a strong realtor, especially in a condo market because they need to help you gather the information on that condo to come in with. You come in prepared with at least not a R105, but at least the basic information that you can actually get from the seller, maybe the association. If you do your homework and push a little bit, you can find out if there's a litigation. You can find out what the occupancy is. You can see if there's commercial space in there. You can ask a few more questions. All of this is easily done at no cost to the home buyer. The lender works with you, the realtor. But if you're just doing things on the fly, you could easily run into the gotchas, and then you're just spinning wheels, or you're falling apart after a few weeks, which is just a waste of everybody's time. And disappointing to the buyer as well. And emotionally disappointing. And you had pointed out something that I had even forgotten about, and that was the commercial aspects that are going on in the building, because Honolulu in particular has a tremendous amount of condos where the first three floors, let's say, are commercial units, and then everything above that is residential. How does that commercial really affect the rest of the building? So basically, that's a number as 25%. If it exceeds that percentage of space in the overall project, you're considered non-sailable to your portfolio. Your down payment went from 3% to 20 in a minute. So that can be, and that can change as the commercial space evolves, but that can come up more so in the existing condos. Yes. In Waikiki, near Alamoana, they got all different types of older condos with a lot of commercial activity. Well, I'm wondering if the other aspect behind that for the lender is the fact that, and I know in a couple of them, that the developer still owns the commercial, and they're usually the ones who are delinquent on the maintenance fees, not the residential. Not as much now, but yes, that can happen. And I guess in the time we have left, we didn't touch on mixed use. We have a lot of mixed use properties on, especially on the Waikiki, condominium hotels, they act like hotels. So they're act like condos, but they still come from the hotel basic startup. And those can be another form of, I guess for us, that's another trick question because you've got to do the homework, figure out does it have a full kitchen? Does it have parking? If it doesn't have parking, that could affect your loan itself too. So not all come with parking. And it could be a hotel unit or a studio. So that's yet another, like I said, a curve for us when someone says I'm buying a condo, especially the Waikiki, I'm like, whoa. Yeah, you got to look twice. You got to look twice or three times. Well, again, it's amazing how fast 30 minutes go. We could, like you said, have a whole day discussion on this. You could teach a whole class on this. So I'd like to again thank our guest, Leonard Leventhal, who's a loan officer at Honolulu Home Loans has been doing this a number of years, at least all the years that I've known you. So he knows what he's doing. And I again want to thank you for joining us here on The Condo Insider to give us an aspect of how to buy in a condominium. And we might have you back again to talk more about the Waikiki ones with the mixed usage. That's a whole different discussion anytime. Thank you again. And thank you again for watching The Condo Insider. We're on every Thursday at three o'clock. So be sure to join us next week for more information about what it means to be in a condominium. Aloha and thank you.


No, you're a Moomer, yeah, just refresh that page. Sorry for all the movement, I'm trying to level you guys out.  Sorry, sorry, sorry, sorry, sorry. Oh, it's an ad. I was like, what's happening? I'm going to get you guys zoomed in without giving up anything. Okay. Hi, Tammy, Timmer. Welcome, Mike, Diana, Kim, Christine, Lynn, Stephanie, Minamina, Shane, what are y'all doing today? Hi, Lisa, Kim. Thank you for the love and the hugs and the support everyone. Definitely not been the easiest week in my life, but a lot of times you can lean into art, you know. Oh, yeah, so I appreciate vamp and Judy posting some very lovely things. I haven't read anything on it because it's just too, too soon for me. So as soon as I'm okay with things, I will be reading and responding to all your lovely well wishes and sentiments. It's just I'm not there yet, you know, just placed in order. Well, thank you. Farah, Hylen, Gail, Lee, Chris, Jan. Well, I appreciate every single one of you guys. I'm glad all is well in Brainard. Did I say that right? Probably not. Oh, Susan, I appreciate your well wishes and the Venmo. And I appreciate all of you more than I can even say. So vamps in the house, texting, typing and responding for me. The piece today that I'm working on, also a tutor. Hey, Jude. I'm glad you just got your order. The piece I'm working on today is going to be kind of a playoff of this one, our panda, which will be sold to the Massey boys. If you haven't checked out the Massey Art Channel, make sure you do so. They're a talented couple of fellers. West Wing. Tutors in the West Wing of the shop. Cheers to everyone for joining me. This is a wine that TG sent me. So thanks to her. Thank you so much, Kim. I don't have my my sound effect. Rumpel. Hey, welcome to another live. Fireball shot. I am not there tomorrow will be a fireball day. Mike, I don't know what to say to you about Bentley. The fact that it was so sudden and you still don't even know what happened. I don't know what to say to me makes it even more difficult. I hope you, um, I hope you get some answers and I'm so sorry that you lost Bentley. He's beautiful pup. Susan, you thought I was resin, you know, I don't. Okay. You know, I don't work with yellow resin. I'm going to be completely spoiling him up into the last moment that I have him. And thanks to the generosity of you guys. Um, Bowie, you can't work. He's trying to get on the table in the West Wing. Yeah. So because of y'all's generosity, um, I will be able to have the youthiness, the sleepy time that come here instead of stressing him out and taking him to a vet's office and all of that. And because of a couple of you lovely fans, um, I don't really have the weight of covering the cost of that, which I don't even know what it will be, but, um, y'all's donations already have definitely lifted the, it's not a burden, but, you know, it was a weight that I was just a weight that you, you can pay all your attention to Cujo now. Yeah. That being said, I did have requests for us to still have the fire sale so that a lot other of other fam will be able to be a part of, you know, his life until the end of it.  It will be no coasters, no stress, just an easy wall art chill night of probably fireball and sale. No worries, Lisa. I actually have, I think a handle of fireball here. So to the artwork, I really appreciate your donation. Thank you. Amanda says I've watched your videos, but this first live I've caught will welcome. So, uh, I forgot to tell you guys that I'm Erica with Artists Till Death. It's spelled like this. ArtistsTillDeath.com is my website. I am Erica. Jeff is over yonder handling some social media stuff to my left. And the east wing is vamp helping out. And in the west wing is Tudor sending out orders for the Labor Day sale because the west is over there. And the opposite of the west is the east. And we're artists till death. We don't always talk about sad things. We do always do art. It's a deep indigo purple. We do always do art. It's usually resin. We usually go live at 6 p.m. Central. Except for on Tuesdays we go live at 2 p.m. Central. It's coin toss. So what time we go live on the weekends? Except tomorrow we'll have a scheduled fire sale. And my goal is to entertain artists till death. My goal is to entertain, inspire, and educate you guys on our different art forms. So I hope you get something out of it. If you're new, welcome. Subscribe if you haven't. If you're already subscribed, check and make sure you're still subscribed because YouTube likes to unsub people because rude. That's not why. But YouTube does think a lot of people are bots.  What's up, ideas? Hello, Megan. Thank you, Carol. I really appreciate it so much. I know when it's sad. But if I have time, Mike, I'll do a preview in the Facebook group. I appreciate you're saying that, Desiree. You've been subbed for a long time. Hi, Amy and Shantay. I hope I said that right. How are things in Australia? Hi, Kathy. So the reason I'm using is Stone Coat Art Coat. It's my jam. I use it for everything except for when I do oceans. It's got an awesome two-hour working time. It's got the best UV resistance that I have found on the market. It's crystal clear finishes like glass and is heat resistant up to 500 degrees Fahrenheit. It doesn't really have a smell to me. Some people have more sensitive sniffers. And I will tell you the colors I'm using as I go. Tink y'all. Okay. First color I'm mixing up is going to be my main color, which is going to be purple sapphire. I'm using this from Resin Arts. If you like any of these colors, get you some while I'm having the Labor Day 13% off sale. The code is Labor Day. This purple is so awesome. It is until midnight on Sunday. Is that hashtag all one word? Yeah, Labor Day is one word. Great sale. I love this purple because it's such a dark, rich color, but it's got a bright fuchsia type interference. So it's very warm, colored purple. Small handheld tool to trim the edge of a rose on the coast or anyone know about such thing. Kathy, I actually saw that same tool and I reached out to them to see about carrying those in the shop or if they could give me more information on that. I think it's just to be quite honest, it looks exactly like a clay carving tool. If you remind me at the end of the video, which this video won't be that long because it's only half the process because I can't put the detail on till it's set. So that'll be Sunday. But if you remind me at the end of the video, I will show you what I think it is. And I think it's a clay carving tool. You guys may not know this. My grown-up college degree, well, one of them is in ceramics, specifically wheel throne ceramics. So when I saw that tool, I was like, wait a minute. I feel like I have one of those in a different shape. Tim, will you make the party sound? Will you make a thank you sound? Tim, thank you so very much.  You feel it. You know, I'm okay. I'm okay. So the purple sapphire is from resin art. I'm okay. Thank you, Megan. Tim, I really appreciate that. I'm always so touched by you guys. Thank you. That's a good color. I'm gonna make it. Thank you. Thank you for this friendship. They just blew my nose for me. I'm okay. You know, when you just choke back emotions for so long, and then, especially in like today's world where people are always so consumed about themselves. Seeing compassion in others. I love I get from this group just so much. I'm fine. Okay. Thank you. I'm okay. You know, I did debate on going live till after Tuesday, but I think it's important for me to still create beautiful things. I think it helps me. It helps me to express myself with art. It helps me feel better. And so being able to do that with all of you guys, it means so much to me. And so yeah, thank you all of you. New song tears and resin. It'd be a smash hit. Hey, Judy, I love you too. Thank you so much, Kathy. I know, I know. So I got distracted and didn't tell you guys what colors I was using my fault. If you guys are new, I promise I don't always cry on camera. You clear up. I agree. Rumpel wings. I can't wait to see what you create and everybody else. Please tag me in ATDs for people so I can see what you guys are making. This one will not be half white. It will just have a little bit of white. It'll be mainly purple. So this color right here, this mid warm tone. Purple is a berry from color passion. Is a flat paste. This deep blue, vamp blood. Purple indigo color is black current from color obsession. And then you guys already know about the resin art. Purple sapphire. The white I'm using is color passions. Base white. I know I tell you guys this all the time, but all of color passions paste act as a base cell. You've got to try the pink gold dust powder. It's amazing. Didn't I send you that in a mystery box? I'm going to hold that to the side. Actually, no, I'm going to do a thin greasy pan. The purple that I used on the board is something. Let's take it. It is mostly a color from. What's this brand? So you can get it from double a spray paint. Com apparently. And the color is. Strong galaxy. Made in EU. And then I dusted over it with Montana 94 in the shade. Violet Sultan. What direction is he barking at? Towards the what? There's something under there that he wants. Apologies for the sniffles, you guys. Yeah, so I'll be ordering that one. Valerie, that one was sent to me as a tester. And so you're actually the only one that has that. Color. So I'm putting a thin layer of clear resin down in order to allow. My tinted resin to flow more easily over the surface of my board. This board is an 18 inch cradle board from my website. Artist told that. And essentially it's the same thing as a canvas, except for it's. Got an MDF top instead of a canvas top. So. It's solid. And then I'm just going to put it on. So I don't have to worry about the weight of the paint. Very convenient in that respect. That Mary. Yeah, I did dust it with that lighter purple. So you can see a little bit of variation in the depth. That being said. I don't think. You'll be able to see much of. You Laura. Glad to have you. I don't think you'll be able to see much of. I don't think you'll be able to see much of clear. I just wanted to have it base painted just in case there were some breaks. This piece is not for anybody. So I'm going to basically just have hazard. Or messy poor this because this. Part of the piece. Isn't the focus. It's going to be the decal that I add onto it later this weekend. Like the panda that I just showed you guys. I don't know if you can hear it. I don't know if you can hear it. Too. Distracting or. Sorry about that sound. Our neighbors are still. Moving in. So what. I can't hear it. Okay. Good. I can probably go over here. Wow. I used to be loud. I didn't know if they would be able to hear it from my phone because my phone has a notification. Oh, I can't wait to see it, Jude. Okay. This color we use in alcohol spritzes down at Rhonda's to add extra amazing. To her countertops. And everybody absolutely loves it. I think vamp says I have 10 of these left in stock. Yeah. A little Leopold farms. One day I'm going to have the gumption to leave a piece. Not this messy, but. I'm going to put lines of color down. And just leave it. One day that day is not today. Yes. That's a vampire. It's purple sapphire by resin art. I'm just going to lift this up and show you guys before I move on because the color is just. It's like it glows. And it doesn't even have the true. I'm going to have to kickstart this. Also, I just got it sticky. So I wouldn't. Advise. It's going to create a little movement by tilting. And I may end up wiping a little bit. Hi, Bowie. You guys are always on it. Oh, and I want to show you guys how that purple marble turned out from yesterday. Y'all, I want to have, like, I know as soon as I show it to Rhonda, she's going to want to create a finish out of it, which I'm not even a blamer. Or this. Again, this bit is just to create. A background. For a decal. Is that Kujo? That's a new sound to the. All right. So I haven't really decided on what the decal. Will be yet. Jeff's been working on. A few. Designs. Can we see Vamps face? I will do my best. To convince her. Even see has shown her face. So I left some white so that I could kind of brighten it a little bit. No, I don't know what color. I don't know. It will depend. On how. These colors work together. It looks like a pretty warm palette. So I'll probably. Well, I haven't done a silver one. So we made this over. While I love these white lines, it may be too busy. For. The decal. I'm going to put on here. I don't know what color. It will depend on how. The decal. I'm going to put on here. Well, thank you, Carol. So I think the key to taking something that's a huge mess and then making it into. Something. That you would display. Is to not freak out. And basically just follow the resin to where it wants to go. Kind of like if. You are what is it that swims upstream a salmon. You don't want to create extra work for yourself. So if you see resin going in a particular direction or doing something. Specific. Read what it's doing and then help it. Along that path instead of trying to force it up a river. I don't even know if that makes sense out loud. Okay. Calm down. I bet you that was one of those. Now it's a Jeep club. I thought it was one of those Raptor. Like. Tri-car thing. Yeah. Thank you for that clarification. I don't think cameras can see her. Like mirrors. That's fair. That's possibly accurate. It's not like it can steal your soul. You have to have one. Whatever. It is like an electrical storm. Yeah. Can these people stop it with the music? You guys are going to get me. What is it? DCMA or whatever. Y'all are going to be in trouble with YouTube. I definitely just yelled out of my window like Jeff does. That's just my baby daddy. Okay. I'm sorry. So I think I like this. I think I like it just how it is. I think it's. It's going to be some sort of animal. Oh, you can't hear it. Super. Perfect. If you guys can't hear it. Then. The YouTube wardens can't hear it. All right. This one last check for floaters. Which honestly doesn't even matter because I'm going to have to sand it down. To prep it for the overlay and then the clear coat. It doesn't matter. If there is bubbles. No matter. I'm going to have to sand it. A unicorn. A peacock. Well, probably if I did peacocks, I'd want to do peacocky colors. Peacockies. Cool. So anyways. So I made a ask what kind of heat gun I use. This is a refurb. Of an old heat gun that was an HG. I don't remember the numbers. They don't make it anymore. If you look down in the description box of this video. There's a link to Amazon. And that has everything that I use on the channel that I get from Amazon. And one of those is a. Heat gun. And it's not very expensive. I think it's under $20. Or it's like $22. And actually. If you guys. Shop at Amazon often. If you would come to my videos. Click my link and then shop on Amazon. It really helps the channel. Even if you aren't buying art stuff. If you click my link and go to Amazon and then get. A lawnmower. Or. A ceiling fan. Whatever. As long as my link got you there. I get credit and it really helps support the channel. No pressure. Just saying. It doesn't cost anyone anything extra. But it helps my channel. Don't mind me. I'm just trying to get the drops off of this. So I'm going to start making a mad dash to the DSD. Right back. No dripping, no dripping, no whamis. Yeah. We made it. But. Did you just lay that on there? I was like homie. Here you go. Here's a this and a that. So. This is the. Purple marble piece from yesterday. I'm gonna see if ronda will make this into a finish because I feel like it should be chrome yes Lisa says I figured out how to so anyone can Whatever Lisa you are bright. I Appreciate that So much Karima does say that right tell me I didn't butcher that sweet words are hard so I May be decaling this one as well when I decal the other one so I'm just gonna hold on to this We got some Where I don't know you guys can see this very fine Cell situation.  I'm glad I don't have any resin left except for some white so Matching consolation decals and not a bad idea. I think kujo's coughing cuz he knows What time it is and Sick or not? That little boy Well, let me know when he is ready to go So I Hope you guys join us tomorrow for the Fire sale live feed and then Sunday for the decal application Subtutor Me two more. All right The golds over here. They're On the silver shelf under the tints and a pink Come here big boy. No, don't come say hi everybody. Can you I thought you sorry guys. He may be coughing And by maybe coughing, I mean, we'll be coughing.   Did you know I think you're a cutest thing in the world? I think you do Precious boy Yes, I do Yes, I do. Oh, I know Are you are wanted someone to look at something. Yeah, I'm gonna bring him over. I Know baby. I'm gonna let you say hi. I just gotta find something to cut. I know it No, I have um, I'll tell you about it in a minute. This should work It's so cute No, baby, we'll get you someone missing a minute Do you want to go over and say hi to JP Maddie? Know it, it'll be okay. No All right, I'm gonna switch you guys around for a moment say hi to Kujo and Then I'm gonna show you what I think that trimmer is.  He's 13 He has an enlarged heart and a collapsing trachea that is overtaking a little self We're making sure he has a good time Okay, let's go later This weekend and Monday Before he sees a sleepy doctor on Tuesday I know, I know Here you go, baby Lay down right here. Okay. Good boy. He's okay, Bowie. He's right there Okay, I'm okay. Okay. The vamp has a face So what I think that is That they have are something like these clay carving tools They're sharpened Sorry You can see this sharp edge right here and they come in all kinds of sizes and shapes right Kim So Y'all if these were sharpened, I bet it would do exactly What that stuff does So what did she see she saw someone like I'll show that like an edge of the coaster or something Yeah, they sell little Gadget, I mean it's just well, it's not an exact. It's not quite that sharp. Yes. It's for it's for trimming excess Ah, so I'm just gonna hit this a little heat. Yeah. Yeah, it's pretty soft, but I mean It's still working It's not as cute as on the video But it would also say that's probably a lot safer For people that aren't used to Mm-hmm That one's not sharp on that part So this is what I'm pretty sure it is. I've reached out to them to get sorry keep getting off frame. I reached out to them to get Because it carves just like this on that on that ad Maybe Probably if I did it before 24 hours, these have been cured for a month Maybe we're goggles. So, yeah This peels off Very similar to how it does in that ad. I'll show it to you as soon as this life heated over my Pleasure Kathy. Oh your your sister does polymer clay. She may have it. So if you just look up trimming tools for clay We're on a coaster. I Just peeled off what was on the side of it. It's still Got everything on the top of it Just gotta peel the rest of this off Gail vamp said thank you for your concern and she's doing a lot better Her drugs are really helping her and the money was gone. So yeah, um, I will let you know Thank you Jackie I will let you guys know what that company says in terms of me carrying Look at that cute little bean Baby moves right over there. There's a tutor There's a bee. There's all y'all. So yeah Mess I know I'm sorry. So yeah Thanks for being here with me you guys I Hope I really mainly just Educated and let you smile and everything and I didn't make you guys cry but We will see you guys tomorrow at 6 p.m. And Then on Sunday, I'll be doing the decals for the purple pieces Kujo knows He still knows He wants to go pee on things so I'm gonna take him out to go pee on things. I know murmur That sneaky little butt right there As soon as I start doing the for real goodbye, he's gonna start coming over here ready So you guys thank you so so much for watching and seeing what we're up to today. We love you all so very much And appreciate Everything You guys are amazing Okay, miss come here. Come here.  Okay So you guys are amazing. We love you all so much. Hey, boo-boo I remember where I was Think you're watching if you haven't subscribed, please do so share a video with people you like if you didn't like it sure if people you don't like ruin their day and Be kind to one another you never know You never know what someone's going through Could be anything you never know. I thought you're gonna do a big Okay, so you don't have to Okay, we'll see you guys tomorrow. We love you guys so much. Thank you for the support and everything you guys do for us here We'll see you tomorrow. Bye