WEBVTT - 97. When Past Debts Come Back to Haunt You 0:00:16.440 --> 0:00:20.880 Hey, hey, hey, just so you know, like each hey, my, my, 0:00:21.040 --> 0:00:23.960 I do jazz hands, and each layer, my hands get 0:00:24.000 --> 0:00:25.680 higher until they're all the way out and my fingers 0:00:25.680 --> 0:00:27.360 are wiggling in the air. I just want to give 0:00:27.360 --> 0:00:28.120 you a visual. 0:00:28.160 --> 0:00:31.360 Oh that's a good visual. And just I know you 0:00:31.360 --> 0:00:33.840 can't see me either, just know that I'm I'm taking 0:00:33.840 --> 0:00:36.199 a knee right now. 0:00:36.360 --> 0:00:42.680 Oh wow, Yeah, let's talk about that. Like that's a 0:00:42.760 --> 0:00:44.440 really great way to open up. Hey, y'all. 0:00:45.560 --> 0:00:51.199 Ambition, Happy Brown Ambition Wednesday. Yes, So this is one 0:00:51.240 --> 0:00:53.080 of those news stories that seem to be unfolding over 0:00:53.120 --> 0:00:55.120 the weekend, and I would catch a tweet here and there, 0:00:55.280 --> 0:00:57.240 like a like a news alert here and there, and 0:00:57.280 --> 0:00:59.680 I was like, what's happening. I don't really watch football, 0:01:00.360 --> 0:01:03.240 but I remember all like the controversy with Calan Kaepernick 0:01:03.320 --> 0:01:06.440 is how you say his name? I think so he 0:01:06.520 --> 0:01:09.199 refused to he took the knee way back like last 0:01:09.200 --> 0:01:13.000 season during all the you know and protest of police 0:01:13.040 --> 0:01:17.440 violence against black blacks in America, Right, that was why 0:01:17.480 --> 0:01:19.520 he did that then. And then apparently like he hasn't 0:01:19.560 --> 0:01:22.679 been able to he hasn't been drafted this season, Like 0:01:22.760 --> 0:01:25.640 no one wants to touch him and hire him, and 0:01:25.640 --> 0:01:27.000 and then it just sort of like it seemed like 0:01:27.080 --> 0:01:30.000 every day the story escalated and it got bigger and bigger, 0:01:30.040 --> 0:01:33.280 and there's all these there's like these players. Now what 0:01:33.400 --> 0:01:37.959 was a small problem. Trump came out as he does 0:01:38.240 --> 0:01:42.600 with all his free time, to tweet and rally, his 0:01:42.840 --> 0:01:48.000 bass calling. He even at a rally apparently referred to 0:01:48.320 --> 0:01:54.720 people like Colin Kaepernick indirectly as a son of a bitch. Yeah, yeah, 0:01:54.800 --> 0:02:01.040 our president, cool President Doulthart. You know, it's like when 0:02:01.080 --> 0:02:03.640 you think he can't go possibly any lower, he just 0:02:03.720 --> 0:02:04.880 exceeds the expectations. 0:02:04.880 --> 0:02:08.320 He literally like literally you say to yourself, this man 0:02:08.360 --> 0:02:10.440 can't go lower, and he says, get me a shovel. 0:02:10.480 --> 0:02:13.200 I'll show you, like I'm. 0:02:13.080 --> 0:02:15.600 Gonna dig this. I'm gonna dig this ditch all over. 0:02:15.840 --> 0:02:19.760 All the way down to Korea and sit with their 0:02:19.800 --> 0:02:22.280 president so we could talk about how we're both nuts 0:02:22.480 --> 0:02:27.400 nuts though, mister man. No, honestly, it's just crazy to 0:02:27.440 --> 0:02:29.840 me because you think to yourself, Okay, with all the 0:02:29.880 --> 0:02:33.840 things that are happening with you know, Hurricane Irma, with 0:02:34.160 --> 0:02:37.240 what's happening in Puerto Rico, with like you know, North 0:02:37.320 --> 0:02:41.600 Korea with just like world events in general, for you 0:02:42.040 --> 0:02:46.400 to take the time out of your busy comb over 0:02:46.760 --> 0:02:50.800 schedule to like make comments about not just the NFL, 0:02:51.160 --> 0:02:52.760 but the NBA. Did you see the comment he made 0:02:52.800 --> 0:02:57.359 to Stephan Curry. No, So, Stephan Curry. You know he's 0:02:57.400 --> 0:03:00.800 a guy with the super cute daughter, right, yeah, super 0:03:00.840 --> 0:03:03.320 cute family. And so I guess they invited him to 0:03:03.360 --> 0:03:04.560 the White House. I don't know if they want a 0:03:04.600 --> 0:03:07.799 championship or whatever. For whatever reason, he was invited and 0:03:07.840 --> 0:03:12.840 he declined. And so because our current president is a child, 0:03:13.200 --> 0:03:16.320 he tweeted him, Stephen Curry, coming to the White House 0:03:16.440 --> 0:03:21.160 is an honor. And because you're hesitating, your your your 0:03:21.480 --> 0:03:22.520 invited is rescinded. 0:03:23.120 --> 0:03:27.320 And I'm like, oh yeah, what He's like, well, you 0:03:27.400 --> 0:03:30.360 can't come to my party. I uninvite you. Yes, you 0:03:30.400 --> 0:03:30.760 can't come. 0:03:30.720 --> 0:03:32.280 To my birthday party. You can't come. We're not even 0:03:32.320 --> 0:03:34.520 present anymore. And You're like, what are you five? 0:03:35.000 --> 0:03:38.119 Yeah? Literally, he has the he has the the temperament 0:03:38.120 --> 0:03:39.600 of a five year old. This is what This is 0:03:39.640 --> 0:03:41.880 the same thing. He's so predictable. This is the same 0:03:41.880 --> 0:03:45.440 thing he did after the CEO of I forget which 0:03:45.440 --> 0:03:48.080 company it was stepped down from his business council in 0:03:48.120 --> 0:03:50.720 the wake of his comments or sorry lack of comments 0:03:51.440 --> 0:03:55.640 after Charlotte'sville, and then that business owner was the CEO 0:03:55.880 --> 0:03:58.480 was followed by a couple of other CEOs and he's like, oh, 0:03:58.520 --> 0:04:00.960 you guys can't leave my business advice col. I'm just 0:04:01.080 --> 0:04:04.040 banding the whole thing. There will be no Business Advisory 0:04:04.040 --> 0:04:07.040 Council to leave. I mean, this is just like textbook 0:04:08.440 --> 0:04:12.160 president mango face. Maybe I'll watch sports. 0:04:11.760 --> 0:04:16.360 Now, Yeah, I just let Superman give me the recap. 0:04:19.520 --> 0:04:23.080 Oh my gosh. So now that you know how people 0:04:23.120 --> 0:04:25.960 say like like it was, they'll tell you like when 0:04:26.000 --> 0:04:28.440 you like, if you're a book writer, you're they'll say, 0:04:28.920 --> 0:04:30.599 you know, you think you know when you're writing the book, 0:04:30.600 --> 0:04:32.240 it's the hardest part. They're like, ah, man, that's the 0:04:32.279 --> 0:04:34.800 easiest part. It's what comes after. So now that we've 0:04:34.800 --> 0:04:39.640 bought the house, it's the what comes after. Oh so, 0:04:39.640 --> 0:04:43.320 so apparently you know so well one like we did. Uh, 0:04:43.360 --> 0:04:45.960 so you know that the we haven't exchanged money for 0:04:46.000 --> 0:04:48.600 the house. We had to do a title search, which 0:04:48.600 --> 0:04:51.960 which just was clear today And apparently I didn't realize 0:04:51.960 --> 0:04:53.679 with the title search, I thought it was just the home, 0:04:54.120 --> 0:04:57.240 but apparently there's a title search on you, like who 0:04:57.279 --> 0:04:59.440 do you owe? And I, of course I came back clear. 0:05:00.040 --> 0:05:03.120 But Superman had something from when he was eighteen. It 0:05:03.160 --> 0:05:04.800 was like one hundred and eight bucks, but we have 0:05:04.920 --> 0:05:08.040 to pay that. And it was like, yeah, I didn't. 0:05:07.839 --> 0:05:11.839 Know that to what entity, like a public utility or something. 0:05:11.960 --> 0:05:14.320 Something I don't know, Like I was looking through, I 0:05:14.360 --> 0:05:16.120 just knew that it was his. I took a cursory 0:05:16.120 --> 0:05:19.400 glance because his name is it's not common, but it's 0:05:19.480 --> 0:05:21.680 kind of common because its last name is Smith, so 0:05:22.120 --> 0:05:26.320 his first name is semi common ish. So there was 0:05:26.360 --> 0:05:27.880 a lot so we had to really dig through, like 0:05:27.880 --> 0:05:30.919 page after it was seventy three pages. I didn't realize that, 0:05:30.960 --> 0:05:33.160 and I was like, wow, So the title searches like 0:05:33.200 --> 0:05:35.240 the property to see if the property has any leans 0:05:35.279 --> 0:05:38.600 on it. It doesn't own anyone the person before you, 0:05:38.960 --> 0:05:40.600 like who owned the property before you, to make sure 0:05:40.600 --> 0:05:43.679 there's no leans that would stop the sale of the house, 0:05:44.080 --> 0:05:47.800 and then you yourself. And I was like what And so, 0:05:48.000 --> 0:05:49.600 like I said, I came back clear, but he had 0:05:49.600 --> 0:05:53.120 this one hundred and eight dollars. Fine. It looked like 0:05:53.240 --> 0:05:55.479 something from like like it looked like maybe it was 0:05:55.520 --> 0:05:58.240 like a ticket or something from court or something like 0:05:58.240 --> 0:06:00.800 that when he was eighteen, and you know, likely it 0:06:00.880 --> 0:06:02.719 was just moving from place to place and just forgot 0:06:02.720 --> 0:06:06.200 about it, and so it came up in the title 0:06:06.240 --> 0:06:08.919 search and you know, and I was just like, wow, okay, 0:06:09.040 --> 0:06:10.799 I mean, obviously we'll pay one hundred and eight dollars. 0:06:10.839 --> 0:06:13.640 But I thought I didn't even I never knew that 0:06:13.880 --> 0:06:16.000 was something I'd bought a house before. But I guess 0:06:16.000 --> 0:06:18.680 because nothing ever came up under my name, it wasn't 0:06:18.720 --> 0:06:24.360 something I thought about. And so yeah, so I was like, oh, okay, 0:06:25.040 --> 0:06:27.160 we'll pay one hundred and eight dollars, but I just 0:06:27.480 --> 0:06:27.920 I get. 0:06:27.800 --> 0:06:29.920 A deal breaker, like who it is? 0:06:30.200 --> 0:06:32.680 Surprisingly like not that it's a lot of money, but 0:06:32.960 --> 0:06:34.920 so I asked her, well, what would have happened if 0:06:34.920 --> 0:06:38.040 he owed, like you know, or like just say if 0:06:38.680 --> 0:06:40.520 we're paying I said, is this because we're paying cash? 0:06:40.880 --> 0:06:43.000 And my realtor was like, no, the bank would have 0:06:43.000 --> 0:06:46.039 actually held up the mortgage until it was satisfied, because 0:06:46.080 --> 0:06:49.640 their worry is that you don't want anyone to have 0:06:49.760 --> 0:06:53.800 to come and say, hey, before this transaction takes place, 0:06:53.839 --> 0:06:57.240 this person or this property or whatever owes me, and 0:06:57.279 --> 0:07:00.599 so I was like, oh, okay, So I don't know. 0:07:00.720 --> 0:07:02.960 I'm sure I'm saying it incorrectly. I probably could have 0:07:02.960 --> 0:07:04.400 got more detail, I guess because it was one hundred 0:07:04.400 --> 0:07:07.440 and eight dollars. I wasn't digging super deep. But it 0:07:07.520 --> 0:07:10.080 seemed like we wouldn't be able to get title insurance, 0:07:11.080 --> 0:07:14.280 which means that I guess if later on, ten years 0:07:14.320 --> 0:07:17.360 from now, someone says, hey, there is actually a second 0:07:17.360 --> 0:07:20.240 mortgage on that house. You Oh, we wouldn't have to 0:07:20.280 --> 0:07:22.480 pay that because we have title insurance. But they wouldn't 0:07:22.520 --> 0:07:26.440 clear us for title insurance if we didn't pay these 0:07:26.480 --> 0:07:27.040 things off. 0:07:27.600 --> 0:07:28.640 So how much time do you have? 0:07:30.840 --> 0:07:32.320 They said that they want to close by my birthday, 0:07:32.320 --> 0:07:34.760 which is October sixteenth, so we have plenty of time. 0:07:34.800 --> 0:07:37.840 I mean, we're like, basically, we have a title company, 0:07:37.880 --> 0:07:40.480 so we're just gonna I called to figure out, like 0:07:40.520 --> 0:07:41.880 what do we do now, because I'm like, I don't 0:07:41.880 --> 0:07:43.960 even know who to pay, like what court to pay 0:07:44.040 --> 0:07:47.160 or whatever. So we just give him the eight oh 0:07:47.440 --> 0:07:49.480 one hundred and eight dollars or whatever, and then he pays. 0:07:49.880 --> 0:07:51.920 He satisfies the payment, you know, gives us a receipt 0:07:51.920 --> 0:07:53.360 and then we're good to go, so we can have 0:07:53.400 --> 0:07:55.840 title insurance so no one can then come and put 0:07:55.880 --> 0:07:58.320 a lean on the property based upon old debts. Basically, 0:07:58.440 --> 0:08:00.560 because we did our due diligence and I didn't even 0:08:00.560 --> 0:08:02.120 know that, I'm like, woo, mind blown. 0:08:02.400 --> 0:08:04.520 Wait, who takes a check from you? 0:08:05.120 --> 0:08:08.239 The title insurance company, so they they run the title search, 0:08:08.560 --> 0:08:11.200 and so everyone is paying the title insurance company. They're 0:08:11.240 --> 0:08:14.360 like our es grow basically, so we paid the deposit 0:08:14.560 --> 0:08:17.720 to instead of instead of getting like a lawyer, we 0:08:17.800 --> 0:08:19.840 decided to go with the title insurance company because we're 0:08:19.840 --> 0:08:23.400 paying cash, so we're not negotiating anything. But I still 0:08:23.480 --> 0:08:28.960 wanted a title search. Like the bank side who we're paying, 0:08:29.320 --> 0:08:30.800 they do a title search, but I wanted to do 0:08:30.840 --> 0:08:32.760 a title search too on our side to make sure 0:08:33.280 --> 0:08:37.079 that this property doesn't have any leans on it. And 0:08:38.080 --> 0:08:40.959 in order for us to have insurance on the title search, 0:08:41.040 --> 0:08:43.800 meaning you did your due diligence, you're no longer liable. 0:08:44.360 --> 0:08:47.640 We have to satisfy whatever it is that we owe 0:08:48.040 --> 0:08:50.520 and whatever it is that either party might own, and 0:08:50.559 --> 0:08:52.480 so we end up owning one hundred eight dollars. Everybody 0:08:52.520 --> 0:08:55.160 else is free and clear. So I asked, well, how 0:08:55.160 --> 0:08:56.800 do we pay because it says like I don't know, 0:08:57.679 --> 0:09:00.160 New Jersey State Court whatever it is. And I'm like, well, 0:09:00.200 --> 0:09:01.880 do we just call them up and pay them? He's like, no, 0:09:02.200 --> 0:09:04.080 you could pay, you know, write a check out, we 0:09:04.120 --> 0:09:07.000 pay them obviously he sent you proof of payment, and 0:09:07.040 --> 0:09:09.400 then we can move forward with the closing of the 0:09:09.520 --> 0:09:12.760 of the sale of the house. And like I said, 0:09:12.760 --> 0:09:14.920 I might be said, I know. I was like, like 0:09:14.960 --> 0:09:19.120 I said, I never because I guess I like, none 0:09:19.160 --> 0:09:20.880 of my friends ever had anything come up, at least 0:09:20.880 --> 0:09:22.720 they never told me, and I've never had anything come 0:09:22.760 --> 0:09:27.680 up in the title search. So it was like, oh, okay, 0:09:27.760 --> 0:09:29.640 well that's not true. When I fought my first house, 0:09:30.080 --> 0:09:32.080 the man who owned the house had gotten a divorce, 0:09:32.160 --> 0:09:33.600 so in the title search it did show that his 0:09:33.640 --> 0:09:35.560 wife was like co owner or whatever that was, but 0:09:35.920 --> 0:09:38.040 nothing came up on my end. So I didn't realize 0:09:38.080 --> 0:09:40.880 that that there you might have to pay. But what 0:09:40.920 --> 0:09:44.600 was crazy was there's different iterations of his name, and 0:09:44.640 --> 0:09:46.920 there are people there that like, if you added up 0:09:47.000 --> 0:09:49.520 everything they owed, it was like ten twenty thousand dollars 0:09:49.520 --> 0:09:51.280 And I'm like, so what if they wanted to buy 0:09:51.280 --> 0:09:53.000 a house and didn't even know they owed all this, 0:09:53.160 --> 0:09:56.080 you could literally just not be able to buy a house, 0:09:56.280 --> 0:10:00.080 you know. So it just, you know, really important, and 0:10:00.080 --> 0:10:04.080 that it's just another I guess bullet to say why 0:10:04.120 --> 0:10:06.480 it's so important your credit and stuff. Staying on top 0:10:06.520 --> 0:10:10.160 of your credit and credit report is so important because. 0:10:09.880 --> 0:10:12.000 And you never do think about yourself the buyer being 0:10:12.000 --> 0:10:14.040 because the title social whole point of it, I always 0:10:14.040 --> 0:10:15.640 thought was just to make sure that the people who 0:10:15.679 --> 0:10:17.000 were selling and had the right to sell it. 0:10:18.200 --> 0:10:21.240 Me too, me too honestly that I was like, wait, what, 0:10:21.440 --> 0:10:23.440 I'm gonna do a little more digging. But I was like, what, 0:10:23.559 --> 0:10:26.080 I didn't know that, and she said yep. So, like 0:10:26.120 --> 0:10:28.000 I said, it wasn't much for us, But what if 0:10:28.040 --> 0:10:31.240 it was like he owed, you know, eight thousand dollars, 0:10:31.280 --> 0:10:32.880 what would we you know, I mean, we pay it, 0:10:32.920 --> 0:10:34.840 but it would have been like a huge shock, you know, 0:10:35.040 --> 0:10:36.120 like what thanks. 0:10:36.160 --> 0:10:37.520 There's a lot of people who would be like, oh, 0:10:37.559 --> 0:10:39.199 that's putting us out of the game, Like there's no. 0:10:39.160 --> 0:10:41.920 Way exactly, That's what I thought to myself. I was like, 0:10:41.960 --> 0:10:44.200 look look at you, sir. He was like, it's one 0:10:44.280 --> 0:10:46.760 hundred eight dollars. I'm like still, I was like, I'm 0:10:46.800 --> 0:10:48.440 not looking at the date. It's like nineteen ninety eight. 0:10:48.480 --> 0:10:50.520 I'm like when you were eighteen. He was like it 0:10:50.559 --> 0:10:52.800 probably with some ticket and I was like whatever, And 0:10:52.840 --> 0:10:56.640 I'm like, it's come back to haunt you. So it's 0:10:56.679 --> 0:10:58.240 just an interesting part of the journey. I'm gonna do 0:10:58.240 --> 0:11:00.000 a little bit more digging and maybe I'll explain it 0:11:00.040 --> 0:11:01.960 a little better next time. But this is what, like, 0:11:02.000 --> 0:11:03.800 it literally just happened today, So it was like fresh 0:11:03.800 --> 0:11:05.240 on my mind, like what and. 0:11:05.200 --> 0:11:07.000 Would that not show up on his credit report? 0:11:07.679 --> 0:11:10.680 We didn't see it because it's old. It's it's clearly 0:11:10.720 --> 0:11:12.520 some sort of violation. It looks like you might have 0:11:12.600 --> 0:11:15.200 had a ticket or something because it's old to a 0:11:15.240 --> 0:11:18.040 court system, so it didn't show up on his I 0:11:18.080 --> 0:11:20.959 don't know, do like parking tickets or whatever tickets show 0:11:21.040 --> 0:11:23.679 up on your own on your credit report. 0:11:24.000 --> 0:11:26.120 Not like the one you get from experience, not that 0:11:26.160 --> 0:11:28.280 I know of, but I know, like you till like 0:11:28.360 --> 0:11:31.480 one time. I remember in college one summer, you know 0:11:31.520 --> 0:11:33.400 how every summer you move out of your apartment or 0:11:33.400 --> 0:11:36.080 whatever I stayed, I had, we all moved out, but 0:11:36.160 --> 0:11:37.840 like the power bill was still in my name and 0:11:37.880 --> 0:11:40.680 it was never shut down. And I had these a 0:11:40.679 --> 0:11:43.120 bunch of like missed payments from Georgia Power on my 0:11:43.160 --> 0:11:46.520 credit report that I had to you know, it wasn't 0:11:46.640 --> 0:11:48.880 I wasn't supposed to be charged, but they just had 0:11:48.920 --> 0:11:51.280 never cut off service anyway, so I had to. But 0:11:51.320 --> 0:11:53.160 that showed up on my credit report. But I don't 0:11:53.160 --> 0:11:55.360 know what tickets. 0:11:55.040 --> 0:11:56.720 And that's why I thought. That's why I was thinking, 0:11:56.720 --> 0:11:58.840 because I checked his credit report it didn't show up. 0:11:58.880 --> 0:12:02.520 So it's like that tickets, outstanding tickets don't show up 0:12:02.559 --> 0:12:05.040 on your credit report. It just shows up, I guess 0:12:05.320 --> 0:12:09.040 during I don't even know super thorough background checks because 0:12:09.040 --> 0:12:11.079 I've never I mean, I've had tickets that I'd forgotten 0:12:11.120 --> 0:12:13.600 to pay, and I've gotten like, you know, like warnings 0:12:13.600 --> 0:12:15.480 in the mail, like we're gonna take your license, and 0:12:15.520 --> 0:12:17.839 I haven't seen that on my credit report, So that's 0:12:18.040 --> 0:12:21.120 likely why it was missed. He says. He vaguely remembers, like, 0:12:21.120 --> 0:12:24.320 oh yeah, I kind of vaguely remember, but you know, 0:12:24.480 --> 0:12:27.120 so just keeping that in mind that like if you 0:12:27.240 --> 0:12:30.880 have some outstanding like tickets, it looks like most of 0:12:30.880 --> 0:12:33.360 the stuff is legal base, meaning like most of the 0:12:33.360 --> 0:12:35.960 stuff that wasn't his, and all the pages that I 0:12:36.000 --> 0:12:38.320 kind of went through, it looked like all of them 0:12:38.320 --> 0:12:41.400 were court related in some way, right, like you know 0:12:41.440 --> 0:12:43.120 what I mean, like if there wasn't anything on there, 0:12:43.200 --> 0:12:46.440 like like I saw a guy, oh, child support, and 0:12:46.480 --> 0:12:50.080 then it was like somebody there was like some forensic something, 0:12:50.160 --> 0:12:51.640 so I guess I don't know if it's oh, there 0:12:51.679 --> 0:12:55.000 was a public defender one where somebody I guess, you know, 0:12:55.040 --> 0:12:57.240 had gotten into trouble and I guess they were charging 0:12:57.240 --> 0:12:58.760 them for the public defender. I don't know. It was 0:12:58.800 --> 0:13:01.160 just really interesting to kind of kind of intrusive. I 0:13:01.240 --> 0:13:03.439 was like, well, that's not even his full mate, like 0:13:03.440 --> 0:13:06.040 like some people had different spellings of his name in 0:13:06.080 --> 0:13:08.280 totally different years. But I was able to see like 0:13:08.520 --> 0:13:10.600 all that they kind of owed, So it was really 0:13:10.600 --> 0:13:13.080 interesting to be like, wow, this is kind of like 0:13:13.720 --> 0:13:16.160 like they would even say, did you live at this address? 0:13:16.440 --> 0:13:18.240 That's how we knew which ones were his. It was 0:13:18.559 --> 0:13:20.760 it had like the last four digits of your social 0:13:21.240 --> 0:13:24.360 the address associated, and then the name, so those three 0:13:24.360 --> 0:13:25.920 things kind of had to match, and it was only 0:13:25.960 --> 0:13:30.959 one for him, and then the rest he was like no, no, yeah. 0:13:30.400 --> 0:13:33.240 Yeah, I'm reading that. This is right. So it's not 0:13:33.280 --> 0:13:35.880 that the city like will send an unpaid parking ticket, 0:13:36.200 --> 0:13:38.440 like report that on your credit. But if they sell 0:13:38.480 --> 0:13:40.680 it to a debt collector, which some cities do for 0:13:40.760 --> 0:13:44.880 like even for the library finds like library finds are 0:13:44.960 --> 0:13:49.560 unpaid yeah, parking tickets, then that collection activity will be 0:13:49.600 --> 0:13:52.200 reported and then maybe you can track it. But that's 0:13:52.320 --> 0:13:52.839 that's weird. 0:13:52.880 --> 0:13:55.440 But I mean, you know, part of the process. 0:13:55.760 --> 0:14:00.080 Yeah, any other like uh, pickups or lessons learn. 0:14:00.080 --> 0:14:02.640 And well we did find that, like and I guess 0:14:02.679 --> 0:14:04.680 it's true. Like for an old house, like I said before, 0:14:04.720 --> 0:14:08.280 like the the we have to get the house rewired, 0:14:08.320 --> 0:14:11.120 which could be anywhere from eight to fifteen thousand dollars. 0:14:12.000 --> 0:14:14.400 So but that was something we knew ooh fifteen ou 0:14:14.920 --> 0:14:17.559 I know, but that was something we kind of mentally 0:14:17.600 --> 0:14:20.520 prepared for because I knew that of the four major 0:14:20.560 --> 0:14:25.160 things plumbing, foundation, roof, and electric that at least won 0:14:25.440 --> 0:14:27.320 in a house that's almost one hundred years old, at 0:14:27.400 --> 0:14:29.280 least one of them was going to be something. So 0:14:29.360 --> 0:14:31.440 of all the ones, that's the one I was kind 0:14:31.480 --> 0:14:35.480 of like, Okay, that's less than doing you know, a foundation, 0:14:35.520 --> 0:14:38.120 which we would just have to leave the house. And 0:14:38.160 --> 0:14:40.800 so that's, you know, something that we're trying to figure 0:14:40.800 --> 0:14:42.960 out now, like, so what are we going to do 0:14:43.080 --> 0:14:45.240 as far as fixing up the house. A lot of 0:14:45.280 --> 0:14:48.560 it is cosmetic, but some of it is cosmetic, but 0:14:48.720 --> 0:14:50.640 large projects that I want, Like I want a new 0:14:50.640 --> 0:14:52.680 master bath and I want a different a different kitchen. 0:14:53.000 --> 0:14:56.480 So the kitchen in the bathroom, they're fine and they're functional. 0:14:57.000 --> 0:14:59.040 I just want it new, you know what I mean. 0:14:59.080 --> 0:15:02.520 So lead the electric, yes, only the electric is like 0:15:02.560 --> 0:15:05.120 we must do it. Everything else is like paint and 0:15:05.160 --> 0:15:07.680 sanding and you know that kind of stuff. So we 0:15:07.720 --> 0:15:10.920 could technically just pay for the wire and then just 0:15:10.960 --> 0:15:13.760 paint and like sand and stuff ourselves. But I'm like, well, 0:15:13.760 --> 0:15:15.080 we're gonna live here for a while. I want to 0:15:15.320 --> 0:15:17.800 come home every day. Well, I don't leave the house. 0:15:17.920 --> 0:15:19.880 I want to be in the house every day. I 0:15:19.920 --> 0:15:22.040 want to be in the house every day and saying like, oh, 0:15:22.080 --> 0:15:24.520 I love my house. So we're trying to figure out, 0:15:24.520 --> 0:15:28.120 like do we go with the contractor or do we 0:15:28.240 --> 0:15:33.080 instead hire different subcontractors to do the actual work itself, 0:15:33.120 --> 0:15:35.480 Because if you hire a contractor, you kind of pay 0:15:35.480 --> 0:15:37.720 a premium because they're going to hire a subcontractor to 0:15:37.760 --> 0:15:39.200 do the work. So we're trying to figure out, like 0:15:39.240 --> 0:15:42.320 what's the best way to move ahead. I really don't 0:15:42.320 --> 0:15:45.920 want to spend more than sixty thousand dollars to get 0:15:45.960 --> 0:15:47.200 the house to where we want it. 0:15:47.840 --> 0:15:51.000 But I'm assuming it's all according to my HGTV reachurch. 0:15:51.120 --> 0:15:55.520 I know that's exactly why kitchen, right, that's what I've 0:15:55.520 --> 0:15:57.440 heard somebody brothers could do that. 0:15:57.960 --> 0:15:59.520 I know I was thinking that, but then I was 0:15:59.520 --> 0:16:02.560 thinking because like downstairs, like I feel so like official 0:16:02.560 --> 0:16:05.800 because downstairs there's only one real wall, and I'm like, 0:16:05.840 --> 0:16:07.720 this looks like a load bearing wall. Meanwhile, how would 0:16:07.720 --> 0:16:11.480 I know? But my assumption is it's the only wall downstairs, 0:16:11.520 --> 0:16:14.200 so and it's separating the kitchen from the dining room, 0:16:14.440 --> 0:16:16.280 and the kitchen's a little narrow, so I'd love for 0:16:16.320 --> 0:16:18.160 that wall to be taken down, But I don't know 0:16:19.360 --> 0:16:21.720 is that obviously that's going to increase fixing the kitchen, 0:16:22.280 --> 0:16:24.760 you know, buy a lot and so my concern so 0:16:24.800 --> 0:16:26.480 that's what we kind of are now, like, well, where 0:16:26.880 --> 0:16:29.840 what do we do do we cause there's a lot 0:16:29.840 --> 0:16:31.520 of work that he can do himself. So we certainly 0:16:31.520 --> 0:16:33.720 will like painting and sanding and stuff so we can 0:16:33.800 --> 0:16:37.240 save money. But he can't renovate a kitchen and he 0:16:37.600 --> 0:16:40.400 doesn't know how to go totally renovate a bathroom. So 0:16:40.560 --> 0:16:42.000 we're just trying to figure out, like what do we 0:16:42.040 --> 0:16:44.320 do because if you have an electrician, you have to 0:16:44.320 --> 0:16:45.320 know where things are going to go. 0:16:46.360 --> 0:16:48.360 Yeah, and a contractor is like they're sort of like 0:16:48.400 --> 0:16:51.480 the man. They're managing the whole process, and I don't know, 0:16:51.520 --> 0:16:53.440 I feel like that's the one thing I woultn't skimp 0:16:53.520 --> 0:16:56.040 on personally, but you have someone who can sort of 0:16:56.280 --> 0:17:01.720 like has experience, even though husband you know it too. 0:17:02.160 --> 0:17:04.159 Yeah, no, but no, but I told them for the 0:17:04.200 --> 0:17:06.560 major project, we're getting a contractor. So I guess we're 0:17:06.560 --> 0:17:08.439 just trying to figure out, Okay, beside the kitchen in 0:17:08.440 --> 0:17:11.280 the bathroom is there. I don't necessarily want to hire 0:17:11.280 --> 0:17:13.520 a contractor for the electric work because we could just 0:17:13.600 --> 0:17:15.520 hire an electrician, you see what I mean. I guess 0:17:15.520 --> 0:17:18.000 that's where it's like, well, do look at I want 0:17:18.000 --> 0:17:20.359 to hire professionals for all the major things, but I 0:17:20.359 --> 0:17:23.679 don't necessarily want the contractor to hire the professionals for 0:17:23.720 --> 0:17:25.640 the for certain things because I'm like, well, we could 0:17:25.640 --> 0:17:28.960 just go directly to that professional themselves and let the 0:17:28.960 --> 0:17:31.960 contractor just work on like maybe two major projects and 0:17:32.000 --> 0:17:33.640 then like if we need a plumber, let's just hire 0:17:33.680 --> 0:17:35.919 a plumber, not the contractor to hire the plumber. So 0:17:35.960 --> 0:17:38.680 there's like more money, you know. So there's a bunch. 0:17:38.720 --> 0:17:41.560 But I'm honestly everybody's seen the house. I've brought everybody through, 0:17:41.600 --> 0:17:43.359 even though you know, technically we're not supposed to all 0:17:43.400 --> 0:17:44.560 be in the house because we haven't paid for it. 0:17:44.600 --> 0:17:48.720 But whatever, a house warming. I wasn't invited. 0:17:49.440 --> 0:17:51.040 I know, we've just been walking through, Like, girl, what 0:17:51.200 --> 0:17:52.760 you doing on Saturday? We want to go through doe 0:17:52.800 --> 0:17:57.600 walk through and so like opening the lock box right 0:17:57.680 --> 0:17:59.560 using the key you meanwhile, you're not supposed to do that, 0:17:59.600 --> 0:18:01.919 but why here now I'm just really excited. 0:18:02.240 --> 0:18:06.000 Okay, this is a private conversation. It's not like thousands 0:18:06.040 --> 0:18:06.760 of people are going. 0:18:06.640 --> 0:18:09.960 To y'all don't know where the house is, you don't like, wait, 0:18:10.080 --> 0:18:12.360 I've never sent the address or whatever. 0:18:13.400 --> 0:18:17.240 And by like challenge accepted, girl, and don't talk like that. 0:18:17.280 --> 0:18:20.280 When the interwebs these days, I know Chinese are probably 0:18:20.280 --> 0:18:22.720 listening the Russians probably listening to us, right. 0:18:22.760 --> 0:18:24.800 But I'm excited though, because I can't wait to have 0:18:24.840 --> 0:18:26.840 like I want to have Thanksgivings and definitely won't have 0:18:26.880 --> 0:18:29.840 a house for me. Of course you and husband are 0:18:29.840 --> 0:18:31.879 definitely invited. It's gonna be fun. It's gonna be like that. 0:18:31.920 --> 0:18:33.800 I want to be down play how exciting it is 0:18:33.800 --> 0:18:36.000 for him, because I'm really trying to drag this out. 0:18:36.400 --> 0:18:38.879 Now get a house. 0:18:39.920 --> 0:18:42.240 We went. We went looking at a couple of two 0:18:42.280 --> 0:18:45.159 neighborhoods that he has liked, has been looking out online 0:18:45.160 --> 0:18:46.840 in Jersey and I was finally like, let's just go 0:18:46.960 --> 0:18:48.720