1 00:00:00,240 --> 00:00:04,360 Speaker 1: So the President has proposed in your mortgage a lot 2 00:00:04,400 --> 00:00:07,160 Speaker 1: of people expressing a lot of concerns. Let's talk to 3 00:00:07,240 --> 00:00:09,800 Speaker 1: an expert on how it might have becked the real 4 00:00:09,920 --> 00:00:13,280 Speaker 1: estate industry. Home buy a home Selling. It's Kenll and 5 00:00:13,280 --> 00:00:15,680 Speaker 1: Casey Show. I'm Rob Casey's out today. Let's go to 6 00:00:15,680 --> 00:00:19,639 Speaker 1: the WIBC hotline, joined by our great friend, real estate 7 00:00:19,640 --> 00:00:22,040 Speaker 1: agent extraordinary here in the state of Indiana, Mark Deitle 8 00:00:22,120 --> 00:00:23,920 Speaker 1: joins us now Mark Didel, Hello. 9 00:00:24,760 --> 00:00:26,640 Speaker 2: Good morning, Rob, How are you this morning? 10 00:00:26,720 --> 00:00:28,840 Speaker 1: Doing great? As always, we put the little disclaimer out, 11 00:00:28,840 --> 00:00:32,080 Speaker 1: of course, you do advertise on this fabulous radio program 12 00:00:32,120 --> 00:00:35,840 Speaker 1: and this fabulous radio station. That being said, the fifty 13 00:00:35,920 --> 00:00:38,520 Speaker 1: year mortgage seems to have a lot of people concerned. 14 00:00:38,600 --> 00:00:40,760 Speaker 1: You're in the business, what say you? 15 00:00:41,800 --> 00:00:44,400 Speaker 2: Well, two things really quick. I am a licensed real 16 00:00:44,520 --> 00:00:47,120 Speaker 2: estate agent here in Indiana, and I am also a 17 00:00:47,159 --> 00:00:50,680 Speaker 2: licensed mortgage loan originator or mortgage loan officer. So I 18 00:00:50,760 --> 00:00:53,040 Speaker 2: spend primarily most of my time obviously working on the 19 00:00:53,040 --> 00:00:55,320 Speaker 2: real estate side of the business, but I do have 20 00:00:55,400 --> 00:00:58,720 Speaker 2: somewhat of a working knowledge on this whole mortgage situation. 21 00:00:58,880 --> 00:01:02,639 Speaker 2: So I think it's very interesting. See there, it's really 22 00:01:02,720 --> 00:01:04,160 Speaker 2: kind of the tip of the iceberg is what I 23 00:01:04,200 --> 00:01:07,039 Speaker 2: would like to say. There's a lot of things that 24 00:01:07,080 --> 00:01:08,600 Speaker 2: have to happen before all of a sudden we just 25 00:01:08,640 --> 00:01:10,800 Speaker 2: start seeing fifty year mortgages. And when I say that, 26 00:01:10,840 --> 00:01:14,080 Speaker 2: you know, there's qualified non qualified loans, there's you know, 27 00:01:14,120 --> 00:01:15,680 Speaker 2: the interest rate's going to be high, or what does 28 00:01:15,720 --> 00:01:18,520 Speaker 2: it look like. So it's very interesting, but I think 29 00:01:18,560 --> 00:01:21,880 Speaker 2: it is a talking point for us to really start 30 00:01:21,920 --> 00:01:25,160 Speaker 2: discussion the underlying problem, and that's that we have an 31 00:01:25,240 --> 00:01:28,920 Speaker 2: affordability issue here in the United States and even locally. 32 00:01:29,360 --> 00:01:32,760 Speaker 1: Let's talk about that. When you say affordability, what do 33 00:01:32,800 --> 00:01:34,800 Speaker 1: you mean, Well, let's. 34 00:01:34,640 --> 00:01:36,839 Speaker 2: Think, let's think through it when somebody wants to buy 35 00:01:36,959 --> 00:01:39,440 Speaker 2: a buy a house, and let's just kind of talk 36 00:01:39,440 --> 00:01:41,800 Speaker 2: about let let's say a first time home buyer, because 37 00:01:41,840 --> 00:01:44,039 Speaker 2: that's a lot of that's a big concern that we have. 38 00:01:44,080 --> 00:01:46,280 Speaker 2: There's really kind of three main components to that. They 39 00:01:46,319 --> 00:01:49,080 Speaker 2: need to have a down payment, they need to have 40 00:01:49,200 --> 00:01:54,000 Speaker 2: the ability to show verifiable income, reasonable income, and then 41 00:01:54,000 --> 00:01:56,200 Speaker 2: they have to have a credit score that allows them 42 00:01:56,240 --> 00:01:58,520 Speaker 2: to move forward. So those are the three components. So 43 00:01:58,880 --> 00:02:01,960 Speaker 2: when we talk about a fit year mortgage or a 44 00:02:02,000 --> 00:02:05,040 Speaker 2: fifty year amortized mortgage is what we're really talking about, 45 00:02:05,040 --> 00:02:08,440 Speaker 2: Alan admortized over fifty years. We really need to be 46 00:02:08,520 --> 00:02:11,320 Speaker 2: talking about those three issues. And I think a lot 47 00:02:11,360 --> 00:02:13,240 Speaker 2: of the things that I'm seeing and hearing within the 48 00:02:13,320 --> 00:02:18,920 Speaker 2: industry is we can do more that will help to 49 00:02:19,000 --> 00:02:21,400 Speaker 2: a greater degree our first time home buyers in some 50 00:02:21,440 --> 00:02:25,160 Speaker 2: of these other areas than throwing a fifty year amortized 51 00:02:25,240 --> 00:02:28,440 Speaker 2: loan out there, which it might look really good right 52 00:02:28,480 --> 00:02:31,200 Speaker 2: here in the short term, which I'm not saying isn't important, 53 00:02:31,600 --> 00:02:34,440 Speaker 2: But over the long term, or maybe over the first 54 00:02:34,440 --> 00:02:36,640 Speaker 2: ten years of a loan may not be the best 55 00:02:36,639 --> 00:02:38,400 Speaker 2: thing for that buyer. There may be better ways to 56 00:02:38,440 --> 00:02:41,919 Speaker 2: solve this affordability issue, or at least put things all together. 57 00:02:42,160 --> 00:02:43,840 Speaker 2: What I'm saying is I don't think you could attack 58 00:02:43,880 --> 00:02:44,760 Speaker 2: just one area of it. 59 00:02:45,080 --> 00:02:47,520 Speaker 1: Mark Diedle, our guest, we're talking about this proposal from 60 00:02:47,520 --> 00:02:51,200 Speaker 1: the president of the fifty year mortgage. Explain to me, 61 00:02:51,440 --> 00:02:53,560 Speaker 1: like this was news to me that you can just 62 00:02:53,720 --> 00:02:56,040 Speaker 1: make something like this up. How does how does a 63 00:02:56,120 --> 00:02:59,520 Speaker 1: fifty year mortgage even come into existence? Like what is 64 00:02:59,560 --> 00:03:00,720 Speaker 1: the price us with that? 65 00:03:01,800 --> 00:03:06,040 Speaker 2: Well, you have the two large mortgage backers in the government, fanny, 66 00:03:06,120 --> 00:03:09,440 Speaker 2: they call them fanny and preddie. So they have to 67 00:03:09,480 --> 00:03:12,480 Speaker 2: be able to create, let's just say, a market for 68 00:03:12,760 --> 00:03:16,560 Speaker 2: a fifty year advertized loan. So, in other words, a 69 00:03:16,560 --> 00:03:18,720 Speaker 2: lot of the loans that we go out and we 70 00:03:18,800 --> 00:03:22,480 Speaker 2: get at our local lenders, whether it's a mortgage broker 71 00:03:22,639 --> 00:03:24,560 Speaker 2: or is to say, a regular bank or a lenders, 72 00:03:24,720 --> 00:03:27,360 Speaker 2: they have the options. Some banks will hold those, but 73 00:03:27,600 --> 00:03:30,200 Speaker 2: most banks sell those. They get packaged together and they 74 00:03:30,200 --> 00:03:32,639 Speaker 2: get sold over the open market. So when all of 75 00:03:32,639 --> 00:03:36,240 Speaker 2: a sudden you're talking about a larger a larger number 76 00:03:36,280 --> 00:03:39,600 Speaker 2: of years advertized, then you're talking about, hey, is what 77 00:03:39,680 --> 00:03:42,720 Speaker 2: kind of market is they're out there? And without saying 78 00:03:42,760 --> 00:03:44,640 Speaker 2: I mean if you rob if you go in right now, 79 00:03:44,640 --> 00:03:47,160 Speaker 2: and if you get a fifteen year advertised loan versus 80 00:03:47,160 --> 00:03:50,040 Speaker 2: a thirty year, you're going to pay a higher interest 81 00:03:50,120 --> 00:03:53,000 Speaker 2: rate on that thirty year loan. So the fifty year 82 00:03:53,080 --> 00:03:55,560 Speaker 2: loan advertised loan is going to have a higher rate 83 00:03:55,600 --> 00:03:57,920 Speaker 2: as well. So again there's a lot of there's kind 84 00:03:57,920 --> 00:04:00,680 Speaker 2: of a lot to unpack here. When people are out 85 00:04:00,720 --> 00:04:03,920 Speaker 2: there talking to their lender, you know, the lender that 86 00:04:03,960 --> 00:04:06,360 Speaker 2: they work with, and getting those questions answered. 87 00:04:06,720 --> 00:04:10,000 Speaker 1: Mark Diedle is our guest real estate real estate man 88 00:04:10,040 --> 00:04:13,400 Speaker 1: extraordinaire here in Central Indiana. We're talking about this proposal 89 00:04:13,400 --> 00:04:15,280 Speaker 1: of the fifty year mortgage, So can you kind of 90 00:04:15,320 --> 00:04:19,039 Speaker 1: walk us through, like what is the actual payment on 91 00:04:19,080 --> 00:04:20,839 Speaker 1: a fifty year mortgage? We tried to do some math 92 00:04:20,960 --> 00:04:23,120 Speaker 1: yesterday on the air. You're going to end up paying 93 00:04:23,200 --> 00:04:26,039 Speaker 1: a massive sum of money if you saw that mortgage 94 00:04:26,120 --> 00:04:26,839 Speaker 1: through correct. 95 00:04:27,960 --> 00:04:30,120 Speaker 2: Well yeah, and like I just I think I said 96 00:04:30,160 --> 00:04:32,240 Speaker 2: this in the very beginning. It's kind of similar and 97 00:04:32,279 --> 00:04:35,320 Speaker 2: it exists out there today. It's interest only loans. I mean, 98 00:04:35,400 --> 00:04:37,000 Speaker 2: if you go out and get an interest only loan, 99 00:04:37,040 --> 00:04:39,960 Speaker 2: you're just paying the interest, so obviously all of your 100 00:04:40,040 --> 00:04:43,080 Speaker 2: payment is going to that interest and you're not building 101 00:04:43,120 --> 00:04:48,080 Speaker 2: any equity through principal reduction. You know, we went through 102 00:04:48,200 --> 00:04:50,880 Speaker 2: a really unusual situation in the last five years. I 103 00:04:50,880 --> 00:04:55,360 Speaker 2: think you've heard me say how much market appreciation we've had. 104 00:04:56,160 --> 00:04:58,920 Speaker 2: So there's something to be said that, hey, somebody you 105 00:04:59,000 --> 00:05:00,880 Speaker 2: bought a house five years ago, what they're looking at now. 106 00:05:00,960 --> 00:05:04,080 Speaker 2: I mean, we have record home equity values across the 107 00:05:04,120 --> 00:05:08,960 Speaker 2: country that people have. But really the big, the big 108 00:05:09,000 --> 00:05:10,400 Speaker 2: part of it is what's it going to look. We're 109 00:05:10,400 --> 00:05:12,279 Speaker 2: not really going to go through that again. In other words, 110 00:05:12,320 --> 00:05:16,320 Speaker 2: we're going to get marginal appreciation right here in Central Indiana. 111 00:05:16,360 --> 00:05:18,919 Speaker 2: So a buyer is going to pick that up, but 112 00:05:18,960 --> 00:05:21,440 Speaker 2: they're going to be faced that first five to ten 113 00:05:21,520 --> 00:05:24,240 Speaker 2: years of Hey, are they in a better situation now 114 00:05:24,480 --> 00:05:27,000 Speaker 2: based on their income? Are they in a better situation 115 00:05:27,320 --> 00:05:30,560 Speaker 2: based on their credit score? And do they have have 116 00:05:30,640 --> 00:05:33,520 Speaker 2: they been able to put put aside that down payment 117 00:05:33,560 --> 00:05:36,840 Speaker 2: that within five to ten years of having that initial 118 00:05:37,160 --> 00:05:40,440 Speaker 2: fifty year mortgage? Can they refi into some better terms, 119 00:05:40,480 --> 00:05:44,800 Speaker 2: a shorter advertized loan, a lower interest rate. So I 120 00:05:44,839 --> 00:05:48,320 Speaker 2: think the premise is, how can we get these first 121 00:05:48,320 --> 00:05:51,040 Speaker 2: time home buyers, really that's the pool I believe we're 122 00:05:51,080 --> 00:05:54,560 Speaker 2: talking about into a home, to take advantage of some 123 00:05:54,640 --> 00:05:57,760 Speaker 2: of that equity appreciation, to take advantage of them getting 124 00:05:57,800 --> 00:06:01,599 Speaker 2: on their feet, maybe you know, having a better job 125 00:06:01,760 --> 00:06:05,000 Speaker 2: or a higher paying job. I mean, statistically, with all 126 00:06:05,040 --> 00:06:08,240 Speaker 2: this talk going on, statistically, the National Association Real Search 127 00:06:08,360 --> 00:06:10,720 Speaker 2: just came out that in nineteen ninety one, the average 128 00:06:10,720 --> 00:06:12,840 Speaker 2: age of a home buyer was twenty eight, and in 129 00:06:12,960 --> 00:06:16,000 Speaker 2: twenty twenty four it was thirty eight. So you definitely, 130 00:06:16,080 --> 00:06:18,640 Speaker 2: we definitely have an issue and you know, obviously home 131 00:06:18,680 --> 00:06:21,159 Speaker 2: ownership is one of the huge blessings here in the 132 00:06:21,240 --> 00:06:25,240 Speaker 2: US that we want, you know, all of this to 133 00:06:25,279 --> 00:06:28,480 Speaker 2: have the opportunity to take advantage of because it's clearly 134 00:06:28,839 --> 00:06:32,920 Speaker 2: shows it puts someone on the path of, you know, 135 00:06:33,040 --> 00:06:35,760 Speaker 2: financial stabilities to a certain degree that's not one hundred percent, 136 00:06:35,839 --> 00:06:39,560 Speaker 2: but obviously, statistically speaking, home ownership and homeowners are going 137 00:06:39,600 --> 00:06:44,039 Speaker 2: to create a faster, greater wealth, you know, from a 138 00:06:44,160 --> 00:06:45,240 Speaker 2: personal wealth standpoint. 139 00:06:45,360 --> 00:06:47,960 Speaker 1: Bark Needle, our guest, we're talking about the real estate industry. 140 00:06:48,000 --> 00:06:50,040 Speaker 1: Let's pivot. You touched on it very briefly, but let's 141 00:06:50,080 --> 00:06:52,000 Speaker 1: kind of go into it. How are we doing here 142 00:06:52,000 --> 00:06:54,480 Speaker 1: in Central Indiana? How is the real estate industry? How 143 00:06:54,520 --> 00:06:57,240 Speaker 1: is it from both a buyer and seller's perspective? What 144 00:06:57,279 --> 00:06:57,920 Speaker 1: are you seeing? 145 00:06:58,680 --> 00:07:02,200 Speaker 2: We're creeping along, I think is the best words. It's interesting. 146 00:07:02,240 --> 00:07:05,360 Speaker 2: You'll see a pretty strong month in sales, then you'll 147 00:07:05,400 --> 00:07:07,560 Speaker 2: see and not so strong. So there's a lot of 148 00:07:07,640 --> 00:07:10,800 Speaker 2: kind of flux. We're going into the holidays. There's always 149 00:07:10,800 --> 00:07:13,800 Speaker 2: a conversation this time of year with buyers and sellers. 150 00:07:14,080 --> 00:07:17,640 Speaker 2: What does it look like to I proceed to answer 151 00:07:17,680 --> 00:07:20,680 Speaker 2: your one question, is I believe right now. It's as 152 00:07:20,680 --> 00:07:23,600 Speaker 2: strong as a buyer market that we've had in Central 153 00:07:23,600 --> 00:07:28,200 Speaker 2: Indiana in a long time, since well before they are COVID, 154 00:07:28,240 --> 00:07:31,600 Speaker 2: since before you know, twenty nineteen. So somebody is a 155 00:07:31,680 --> 00:07:35,440 Speaker 2: serious buyer and they have those three elements covered. Now 156 00:07:35,600 --> 00:07:38,320 Speaker 2: is a good time to buy on the flip side. 157 00:07:38,320 --> 00:07:41,880 Speaker 2: On the seller standpoint, an interesting stat that I pulled 158 00:07:41,960 --> 00:07:44,560 Speaker 2: up just yesterday to talk to my team about is 159 00:07:45,040 --> 00:07:49,760 Speaker 2: there's more There's been more price changes. In other words, 160 00:07:50,240 --> 00:07:52,920 Speaker 2: I guarantee if people aren't increasing the price of their 161 00:07:52,920 --> 00:07:56,400 Speaker 2: homes on the multiple listing service, so they're decreasing the price. 162 00:07:56,720 --> 00:08:01,760 Speaker 2: There is a record number of price changes increases just 163 00:08:01,840 --> 00:08:05,560 Speaker 2: this past October. It's the highest number of price changes 164 00:08:05,880 --> 00:08:09,560 Speaker 2: price reductions by sellers to get their property sold than 165 00:08:09,600 --> 00:08:11,360 Speaker 2: in the last day of the last ten years. So 166 00:08:11,400 --> 00:08:14,760 Speaker 2: I think that's really telling for sellers and buyers. 167 00:08:14,880 --> 00:08:17,120 Speaker 1: What do you chalk that up to? Because like in 168 00:08:17,160 --> 00:08:19,080 Speaker 1: Brownsburg where I live, it still seems like people are 169 00:08:19,120 --> 00:08:22,960 Speaker 1: getting good prices for their homes, but it does it 170 00:08:22,960 --> 00:08:25,200 Speaker 1: does seem like homes are sitting on the market longer. 171 00:08:25,360 --> 00:08:26,800 Speaker 1: What do you chuck all of this up to? Is 172 00:08:26,800 --> 00:08:29,080 Speaker 1: it the economy? Is it so that interest rates are high. 173 00:08:29,080 --> 00:08:31,600 Speaker 1: What do you make of that, Well, I. 174 00:08:31,560 --> 00:08:33,920 Speaker 2: Think it's a convergence of obviously the economy, it's a 175 00:08:34,000 --> 00:08:37,880 Speaker 2: convergence of affordability. But I think the real issues for 176 00:08:38,000 --> 00:08:40,800 Speaker 2: sellers and the recommendation I have all sellers when they 177 00:08:40,800 --> 00:08:43,560 Speaker 2: talk to their realtor is make sure you have a 178 00:08:43,720 --> 00:08:47,400 Speaker 2: very serious conversation about list price. I think in the past, 179 00:08:48,040 --> 00:08:50,360 Speaker 2: and you know, it was fairly easy. We would go 180 00:08:50,440 --> 00:08:53,319 Speaker 2: into a listing compultation and we say, okay, here's kind 181 00:08:53,320 --> 00:08:55,280 Speaker 2: of your price range. You know, we value homes all 182 00:08:55,320 --> 00:08:58,920 Speaker 2: over the city. Remember I've told everybody our business is 183 00:08:59,000 --> 00:09:02,840 Speaker 2: hyper local, so I can understand there's pockets everywhere that 184 00:09:03,240 --> 00:09:05,760 Speaker 2: still command you. You could still see more than one 185 00:09:05,800 --> 00:09:08,240 Speaker 2: offer on a home. But my point being is is 186 00:09:08,360 --> 00:09:13,839 Speaker 2: sellers have to have a realistic conversation about price. Most 187 00:09:13,840 --> 00:09:17,200 Speaker 2: of the time, the reason why homes are sitting number 188 00:09:17,240 --> 00:09:20,760 Speaker 2: one is their price too high. And then number two, 189 00:09:20,880 --> 00:09:24,200 Speaker 2: you are correct, you've had some buyers kind of step back. 190 00:09:24,800 --> 00:09:27,520 Speaker 2: We're going into the holidays, we're still wanting to have 191 00:09:27,640 --> 00:09:30,200 Speaker 2: interest rates come down, and you know, they dropped a 192 00:09:30,200 --> 00:09:32,360 Speaker 2: little bit about thirty days ago, but they're still kind 193 00:09:32,360 --> 00:09:34,160 Speaker 2: of back up and that, you know, depending on the 194 00:09:34,200 --> 00:09:37,880 Speaker 2: loan type, still kind of in those low sixes, and 195 00:09:37,920 --> 00:09:40,280 Speaker 2: I think they're all. The perception out there for buyers 196 00:09:40,320 --> 00:09:42,920 Speaker 2: is hey, do I wait? Do I go now? And 197 00:09:43,040 --> 00:09:44,839 Speaker 2: it really kind of depends on why. But from a 198 00:09:44,880 --> 00:09:48,800 Speaker 2: buyer's buyer's standpoint, be picky, don't he state to look 199 00:09:48,800 --> 00:09:50,320 Speaker 2: for homes that have been sitting out there on days 200 00:09:50,360 --> 00:09:51,960 Speaker 2: on market a little bit. You're gonna get your best 201 00:09:52,000 --> 00:09:54,600 Speaker 2: deals there. You're going to get sellers who are motivated 202 00:09:54,640 --> 00:09:56,160 Speaker 2: if they're listed this time of year. And then from 203 00:09:56,200 --> 00:09:59,559 Speaker 2: a seller standpoint, we always talk about make sure you 204 00:09:59,600 --> 00:10:03,720 Speaker 2: have your home ready. And then number two, be realistic 205 00:10:03,880 --> 00:10:06,040 Speaker 2: on your price, because if you go out on the 206 00:10:06,080 --> 00:10:08,280 Speaker 2: market too high and you start sitting there and you 207 00:10:08,280 --> 00:10:13,080 Speaker 2: start chasing it, the statistics show the first offer, generally speaking, 208 00:10:13,160 --> 00:10:13,880 Speaker 2: is your best offer. 209 00:10:13,920 --> 00:10:15,760 Speaker 1: Hey, before I let you go with thirty seconds left, 210 00:10:15,840 --> 00:10:18,120 Speaker 1: you are mister iu. And when I say that, you're 211 00:10:18,160 --> 00:10:22,040 Speaker 1: not just basketball. You've been with the football guys for years, 212 00:10:22,080 --> 00:10:24,280 Speaker 1: Mark Didle. Now is your time to gloat? 213 00:10:25,120 --> 00:10:27,960 Speaker 2: Oh my goodness, you know, I almost don't know how 214 00:10:28,000 --> 00:10:31,440 Speaker 2: to gloat in football because I was actually down when 215 00:10:31,440 --> 00:10:33,920 Speaker 2: we beat with Anthony Thompson. I was in the stadium 216 00:10:33,920 --> 00:10:37,960 Speaker 2: when we beat Michigan at you know, at Memorial Stadium, 217 00:10:38,000 --> 00:10:40,240 Speaker 2: and the students were taking the goalposts and they were 218 00:10:40,240 --> 00:10:42,800 Speaker 2: going to throw all over the top of the stadium. 219 00:10:43,240 --> 00:10:46,840 Speaker 2: But that was an unbelievable experience. Obviously, we've had some 220 00:10:46,880 --> 00:10:49,240 Speaker 2: great wins as far as some Bowl games, but this, 221 00:10:49,640 --> 00:10:51,920 Speaker 2: you know, a buy on the first round of the playoffs. 222 00:10:51,920 --> 00:10:54,520 Speaker 2: We're talking about that, we're talking about a possibility playing 223 00:10:54,520 --> 00:10:57,560 Speaker 2: for the Big Den Championship. That's a whole other level. 224 00:10:57,600 --> 00:11:00,120 Speaker 2: So I just can't get myself to really gloat. I 225 00:11:00,160 --> 00:11:03,040 Speaker 2: can be thankful and I can cheer, but gloating. I'm 226 00:11:03,679 --> 00:11:06,240 Speaker 2: we gotta let's let's get let's get a couple more 227 00:11:06,280 --> 00:11:08,560 Speaker 2: years under our belt. And then I'm also excited about 228 00:11:08,559 --> 00:11:10,000 Speaker 2: the basketball team. It looks like, you know, they had 229 00:11:10,000 --> 00:11:12,480 Speaker 2: a great win over Marquette, so we'll see what happens there. 230 00:11:12,559 --> 00:11:14,839 Speaker 1: Yeah, there you go, brother, one of the great Hoosiers, 231 00:11:14,880 --> 00:11:18,680 Speaker 1: Markddal find him at Markdeedle dot com, Markdeedal dot com. 232 00:11:18,679 --> 00:11:19,360 Speaker 1: Thank you, my friend. 233 00:11:19,960 --> 00:11:20,880 Speaker 2: Thanks Bob, have a great day. 234 00:11:20,920 --> 00:11:23,119 Speaker 1: Yeah it's Kettle a Casey Show ninety three WIBC