there we go sorry guys ah so my computer
my computer actually froze I don't know
how that happened so this is actually
part 2 and we are going back man nothing
can stop me man we had so many technical
difficulties this morning our main
desktop for people calling in couldn't
work because there was a firewall issue
with our network mile and then we have
to go to my laptop
and use my chat and that couldn't work
but now I'm on my phone man no one I'm
telling you no one can stop me from
bringing value to you guys this is how
much I care so I still have my laptop
open I'm frozen I have like the weirdest
space that I'm making right now and I'm
just continue to stare at it but we went
live for 15 minutes before it shut off
I'm gonna continue what was said so
si Sanchez had a great question about
you know I have my own money right
should I should I you know use my own
money or should I get financing and I
was talking along the lines of you know
if we talk about part one I don't know
if part one's gonna get uploaded if not
I'll go back and I'll actually redo kind
of the questions that was said right in
the in that in that in that livestream
that ended up being frozen but however
so I'm gonna continue on with this with
this thing so this is actually better
for me cuz it's like I can move around
and you know I'm more mobile hopefully
you guys won't get too dizzy but let's
go back to the question of a si Sanchez
and if you if there's no other questions
in the chat box I'm looking at the chat
here let's see that's there we go
alright cool we got the chat setup
alright so going back to what si Sanchez
said so si Sanchez asked the question of
you know do I don't use my own mind do I
use leverage and you know to kind of
review I said that you know one of the
beauties about real estate investing is
that you know it you could use leverage
right so you can gain income off a
certain value of a building but in order
to obtain that value of a building in
order to obtain that asset you can use
leverage to get there so I was telling
if you're using seller financing make
sure the terms are good right that
everything works out for you that you
are hitting your
financial goals because you have that
leverage now in terms of a bank
situation right you walk in there and a
lot of times it's the banks see that you
have high liquidity then they will give
you very favorable terms they also see
that you're an experienced investor and
you know what you're talking about
you're using a lot of verbage you know
how to underwrite deals and break things
down if they look at your asset sheets
your personal finances and one day when
banks ask for your personal financial
information just to give you guys a
heads-up they will ask for a lot of info
every year I submit my personal
financial statements to my bank for a
apartment-complex of 36 unit apartment
complex that I bought a couple years ago
but they ask for everything they ask for
liquidity they ask for a total amount of
assets total real estate holdings they
even ask for my life insurance
information what's my policy you know
like what's my cash value that I have in
my whole life they asked for like any
401k or any health like they asked for
everything and anything related to
personal finances so just to give you
guys a heads up be prepared to provide
that and again if you're able to provide
that at easy notice and you're able to
do so then they won't give you any
problems matter of fact they will
actually give you extremely favorable
terms so again guys be educated on that
so si Sanchez to answer your question I
always say if you're in a position where
you could use your own money to leverage
it and do solar find anything I say go
for it but at the same time I'm also not
ignorant of the fact that a lot of large
companies a lot of big real estate
companies like Berkshire Hathaway and a
lot of big real estate funds are
actually in the process right now of
storing up as much liquidity as they
possibly can right so if those guys are
doing it what does that tell what does
that say about us what does that tell us
what information does that give us so
you know always be weary again be weary
guys of what is happening okay Dave do
you have anything by any chance I could
hole
the phone like stationary just so I'm
not holding it with my improv you
imperfect human arms
anyway as Dave is getting that let's see
if we have any questions all right so
let me actually go back then and tell
you guys and finish kind of the story of
how I personally got started because you
know again I remember I do know that
this is recorded so I do want to be able
to provide as much content and value to
you guys well what is this what is gonna
work oh this works yeah I think I'm even
yeah
all right cool so let me talk about how
I personally got started and I'll go
ahead and just end the livestream that
way because I don't see too many people
online here I think again once that
laptop froze a lot of people kind of
just like what's going on what's
happening so I'll go ahead and just go
off my phone and just kind of share the
story and then we'll go ahead and and do
the livestream next week next Monday so
so Ibrahim aha Holly do gar bruh I hope
I'm pronouncing your name properly I'm
sorry if I butchered it but yeah we do
we do have a mentoring program so we are
releasing our own real estate investing
education program I also do one-on-one
coaching so if you're interested feel
free to go ahead and you know put in the
comment section or reach out to us right
go to the co-operators calm forward
slash learn and there's a lot of
information that that we do cover in
terms of that so we do offer mentoring
programs so feel free to go ahead and
check that out so I think there was
another question asked what forms do you
suggest let's see
well forms you suggest I use to make an
offer so there's a lot of forms that you
guys can use to make an offer some form
some main forms that come off the top of
my head when I'm underwriting deals and
I'm actually analyzing deals is three
things but what's called a t12 report so
a t12 stands for a trailing 12-month
financial report so that's gonna
basically talk about your income and
expenses when it comes to the last 12
months of that particular property you
get that from a property manager or if
they're self managing from a seller now
if you guys are going after a large
apartment complex or like even a four
unit or whenever you're going after a
property that is most likely going to be
managed by a third-party management
company the management company if they
are competent can provide you with a t12
and if they're using a software like
appFolio or building in they should be
able to provide that with one click now
if you are talking with an individual
who manages their own properties most
individuals so my girlfriend manages
their own property so my girlfriend Lisa
owns a four unit she manages it on her
own which i think is the best option for
her and you know I tell people all the
time like if you're if you have like 12
units or less manage it on your own
right like if the circumstances are to
the point where like you're like a
doctor or you know and you really need
somebody to manage for you in that case
pick and choose what people can do for
you right so I know like the biggest
thing is bookkeeping so like hire out
third-party bookkeepers hire out
third-party this this and that but a lot
of managers up charge and I'm not a big
fan of that so you know what forms do I
suggest t12 managing yourself it's most
investors do it on like an excel sheet
right so my girlfriend uses literally
like Google sheets to do her income and
expense right that she just gives off to
her accountant every single year so t12
is one a Schedule E or form 88 25 is key
so this is the official tax return for
income all income excuse me all income
in all expenses with any investment
property
if the individual has it under their own
name it is most likely going to be a
Schedule II now if they have it under an
LLC or an S corporation they will have
what's called a Form 88 25 so a Form 88
25 in a Schedule E is literally the same
thing they're both tax forms that you
provide to the IRS that shows your
income and your expense the only
difference is literally it just depends
on what you hold the property under so
if you hold it under an S corp or an LLC
then it's a form 88 25 if you hold it
under your own personal name then it's
gonna be your Schedule E so that's the
second form another form that I would
ask for is either any type of inspection
report so any type so here's the main
point I'm trying to get at
so the main point I'm trying to get at
is you're looking for any type of
document that's going to give you
information based on whether or not how
much maintenance you're going to need
that first year so I always say the
worst maintenance here is always your
first write that's always like always
write every single one of my properties
that I own and you know I have
properties I've owned now for four years
right three four years may not be a lot
but based on my experiences with talking
to other individuals and networking
every single one of them's like yep that
first year is always the most costly
right that that first year there's
always you know something that the
seller does not tell you about that
you're going to have to fix you know or
you know a tenant recognizes that it's
under new management therefore they're
gonna try and tell the management office
hey like this needs fix that need fix or
you know the wind blew the wrong way and
the window needs to be corrected at a 98
degree angle you know there's always
something that's gonna come up so I
always say look for documents that and
thank you for the question right I
always look for documents that that tell
you anything about maintenance so if you
guys notice that every single document
that I've laid out it's always about
protecting your downside and even your
for your form 80 25 or Schedule E i'm
always looking more at the expenses I
know the income I know what the income
is gonna be
you know I know you know I know the
market rent I've done my market research
and not to the point where I know what I
should be getting in rent for that
particular building what I'm interested
in is I'm interested in looking at the
downside what are the expenses what are
the things that I need to look out for
all right those are the things that are
going to make or break a deal so whether
it's an inspection report another
another form that you can ask for is any
any forms based on environmental
agencies so like the EPA or the I EPA in
my case the Illinois Environmental
Protection Agency or your local States
EPA because a lot of people miss out all
right a lot of people don't they forget
they forget that there's also a state
environmental protection agency not more
than just a federal so always look out
for that as well because a lot of times
the EPA can be in cahoots with your
local state department your city and
that's always a pain having to deal with
the city having to deal with the state
which again if you do a good enough job
and you're watching our live streams and
you're watching your videos and you
shouldn't have any problem so again ask
for either any type of inspection report
any type of environmental documents that
that say that you're you know good on
this good on that alright like I know
lead on here's a huge thing like lead
paint that's something that I dealt with
in the past so any type of forms that
talk about maintenance inspection
condition of the property code that's
also vital as well so whether it's a
city inspection whether it's a third
party inspection that's always key all
right we got another question let's see
so Rob asks is it okay to ask the owner
/ agent for current mortgage amount if
any yeah so that that actually would
that actually would make sense because
one of my favorite ways to acquire
buildings is what's called a subject to
transaction so a subject to transaction
for those of you guys that don't know it
means subject to the existing mortgage
right that's basically what it means
right I'm sorry yeah I'm trying to
adjust the camera here you know what
maybe I should just hold it
there you go look at me I'm like Tai
Lopez you know walking around with my
hand right so yeah actually I kind of
want to stand up get the blood flow
going so okay so going back to the
question so the question was is it okay
to ask for a mortgage amount if any
absolutely right that's actually one of
the questions that I commonly asked to
my sellers again the main reason is
because I'm trying to get as much
information about them as possible the
more information I have about them the
more value I can bring to the table
which means what the more money I can
make right so I asked them hey like what
is this what is that and again going
back to subject 2 that means subject to
the existing mortgage so subject 2 is an
acquisition strategy in which you take
over right either by title exchange or
by not because you can actually buy it
on contract by taking over the person's
existing mortgage so a lot of times this
happens because the individual is in a
situation where they need to get out and
they need to get out quick right so I'm
doing one right now I'm buying at a
rather large portfolio of about I think
they're like 200 properties somewhere
near there but phase one is 48
properties and we're buying it subject
to we're just taking over the
individuals existing mortgage the video
is breaking down when you okay sorry
guys here let me let me try and do this
then let me try and sit back down and
yeah I'm so again guys I apologize for
the technical difficulties this morning
but whatever it takes for me to get
these questions answered I'll do it so
again I hope this straight but anyway it
doesn't matter at this point I'm sure
you guys just want a stationary all
right so subject to you're basically
taking over the existing mortgage so a
lot of times yeah I do ask how much do
they owe on it because if I can create a
situation where I can either take over
the existing mortgage and I can still
cash flow and I can still get what I'm
looking for right then that's that's
awesome right but at the same time on
the other hand if I could potentially
acquire the building on seller financing
and I still have my payments match his
payments or perhaps even a little bit
more now I know what I'm working with
right now I know what areas I could add
what areas I could really hit to be able
to get the deal done
right so let's see another question
asked I want to make an offer on a home
that doesn't have a realtor what forms
can I use to make the owner of the offer
yeah
so in that case just use a standard rep
seat write a real estate real estate
purchase contract now the reason why I
say that is because I always say have an
attorney I don't care if you're buying a
single-family house I don't care if
you're buying an investment property I
don't care especially if you're buying
at 300 unit portfolio always always have
an attorney guys I've met and I met
people who try and nickel and dime every
little piece of the real estate
investing process to try and save a
little bit of money guys I'm telling you
it is worth it to hire a real estate
attorney especially a good one because
not only can they do stuff like title
search and prepare documents it is worth
it right and if you have a even if you
have a good real estate investing a real
estate attorney or a real estate
investing attorney they should be
charging between like 250 to 500 bucks
all right so my real estate attorney
charges me $500 right that's because
he's a really good one really really
good one so yeah I always say get an
attorney have an attorney that that is
going to run through your closing
documents so that's always key do not
miss out on that let me see all right
brah okay so there was a question how
much time should I wait between I don't
know what you're waiting in between of
so if you want to clarify that for me
that'd be great Rob said thank you thank
you Rob thanks for pointing that out
I wouldn't have known that the video
breaks down if when I move unless you
would have put it in so thank you
appreciate that and that has educated me
right and how I should position my phone
all right Las Vegas legacy homes getting
an AIO loan on your primary and a HELOC
on our rental we have a six hundred
thousand equity on our primary $250,000
equity on your rental first off
congratulations on having
that much equity an AI Oh loan um man I
don't know if I've ever heard that
before maybe I'm just not educated on
that on what an AI own loan really means
so Las Vegas like I see homes if you
want to tell me what a IO stands for I
can certainly tell you what that's gonna
do but in terms of pulling out equity
pulling out a line of credit I say right
now especially while the financing is
good right so there's a such as so
there's a southern saying I got a friend
that lives in Arkansas that I went to
college with and he always told me Danny
you gotta get while the getting's good
right and now granted he meant that
referring to females but it also does
refer to life as well so right now we
are in an economy we are in a market
where Banks has eased up on lending
granted but we are still in the position
where money is still relatively cheap so
I say if you have a position where
you're able to take out a line of credit
based on the equity you have in your
home do it there is like do it just Nike
I wish I was wearing Nike right now to
show you I'm wearing adidas sneakers
just do it right do it right now do it
all right yeah I say cuz right now you
know especially when money's cheap and
and banks are able to do so if you have
um if you need someone to fund you right
Oh what I'm sorry man that I knew what
that and I know exactly it's because we
make videos on it right so I should man
my mind completely Bank right it's
probably all the technical difficulties
were experiencing okay yeah but yeah I
say do it right especially because you
know we are obviously very familiar with
the all loan loan here at the clock
brothers HQ but whatever you have an
opportunity to take out a line of credit
against the equity of your home
especially if it's collateralized
against the equity of your home I say do
it especially because especially if it's
fixed rate and I say just to just do it
just to have it right I'm not saying use
it right because using it as a whole
different topic that's a whole different
conversation based on the deal based on
right what your financial situation is
right based on what
based on a lot of different tangibles
and factors and a lot of different
things but I say whenever you have an
opportunity to get a line of credit and
get a lot of it right now I say do it
because you're going to always have that
available to you right so I always say
do it and because you could use a two
years from now three years from now and
again it depends on your bank it depends
on where you get it from but I always
say do it crispy ass high I have a
primary home and I want to pull HELOC on
it to buy an investment property what is
the best approach doing this alrighty so
the best approach would be and again it
depends on what the terms on your HELOC
is how much that HELOC is going to cost
you and I say at that point treat your
HELOC like an investor so if an investor
wants a twelve percent annualized return
right that's gonna be the same as having
a HELOC that that that is on 12 percent
simple interest right you're gonna have
to make that payment every single year
on an annualized basis or on a quarterly
basis or on a monthly basis depends on
what type of HELOC you have so the best
approach again is to just treat that
HELOC like it's an investor don't treat
it like it's liquid don't treat it like
it's liquid platt a cash I've seen that
mistake being made where I've seen
investors treat he locks and lines of
credit as if it's cash and they've all
they've kind of used that as an excuse
to over leverage themselves and get into
a bind where it's not that as beneficial
so I say treat it like an investor treat
it like your own even if it's your own
HELOC treat it like it's its own
separate entity and it's lending on your
deal that's going to allow you to put
you in a frame of mind because again it
depends right you could have a knockdown
deal where your cash flowing nine
thousand dollars a month and it's only
like a ten unit building right you may
have that right you may have a scenario
where you know the seller just needs to
get out and he wants to sell for what
he's for what he owes on it he oh he
owned owned it for 20 years and you've
got a 30-year loan and you're able to go
on under and take it right that may be
the case right but always just treat it
an investor has it treated like it's a
separate entity all right last Vegas
legacy homes Thank You Las Vegas legacy
homes for all these great questions the
question is how
oopsy-daisy how much time do we need to
wait between doing an AI o on our
primary and a HELOC on our rental so in
that case I would because it again
depends on I hate these I hate to use
the word it depends but it really does
but but again depends on who you're
going through what banks right I know
that in terms of like inquiries on your
credit report regards to your credit and
again guys I'm not a credit expert but I
you know I do have a couple friends that
our credit experts that I've spent a
good time asking questions and learning
so I'm just literally just transferring
the information I know that there's a
certain time that's needed I know a lot
of banks use ninety days that's a common
thing that goes around the industry in
terms of financing and funding now if
you would if you want somebody if you
want to get connected to one of my
friends that is an expert in funding cuz
it sounds like Las Vegas legacy homes
that you have right now one hundred and
eighty thousand dollars of equity that
you want to be able to use that you want
to be able to utilize to buy real estate
investing properties if that's the case
I'll hook you up with one of my friends
feel free to I don't know what what I
should do here do me a favor put your
comment down your email right now and I
will email you personally and connect
you with one of my buddies right I will
do that for you before I go to lunch I
will do that for you I will take 15
seconds just for you to email you
follow-up questions if I treat it as an
investor would it be beneficial to open
an LLC or S corp against it what do you
do now are housed rent instead right so
interestingly enough I actually just had
a sit-down with my CPA and tax and legal
expert yesterday so what I meant by
treated as a separate entity is treated
like if its own investor right so you
have your line of credit right now right
you have your HELOC right now treat it
like if it's a different person right so
for me I was referring more to what
you think of it right here how you treat
it rather than rather than its own like
legal entity right now I always say that
if you're trying to do real estate deals
and you're doing a lot and you're doing
high-volume which you know if you're on
this channel if you're on this
livestream that's what it does I always
say start off with a single-member LLC
or so prop you know that's there's never
a negative thing you know III use LLC's
right like starting a fresh LLC or you
know in Illinois we have series LLC's
and I know that's that's a common thing
for many states series LLC but I
typically have my main LLC which is you
know Nova properties LLC and then I have
a little I have a lot of series LLC's
under that own different one of my
projects and again a lot of that is for
asset protection and obviously doing
things right way so to speak and also
tax advantages there's all I've get a
lot of advantages to to having entities
set up the right way so how is my entity
set up so I typically have what's called
an S corporation that has different
equitable interest in different LLC's so
that's how we do it so we have an
umbrella as corporation that owns LLC's
and those LLC's have series LLC's that
own different projects so thanks for the
question that's something that I never
really talked about so do you have a
threshold in your mind when I should
convert over to an LLC or S corp yeah I
say it's you know does you could take it
from a lot of different standpoints from
a tax standpoint you should go with the
sole prop right away right you should
have a so proper or single number LLC
from the get-go right I also know from a
business credit standpoint that's also
very beneficial for you to have an
entity as early as you possibly can and
get that D and B number and apply for
those trade lines and you know trade
accounts I know that's beneficial you
know absolutely beneficial I also know
that's beneficial for when it comes to
funding how old is the corporation or
how old is the entity I know that also
comes into play so based on what I know
and the context of this conversation
right now I would say
get it ASAP right there's no harm in
that thanks for the question Rob I
really appreciate that or I'm sorry
Chris Chris was the one that asked the
question thanks for the question yeah
that's awesome all right guys if you
guys don't have any more questions
it is currently 11:50 for my time and I
am starving I'm gonna go get some Korean
food but again if you guys have
questions feel free to ask right now do
you have a property management LLC if
you self manage your property in your
series number yeah I always say yes but
I always um that's tough right I do I
argue if you're asking do I create a
separate entity for my management if I
were to manage myself I would say no
because one of the tricks that I've
learned from one of my sellers actually
is I remember I was reading a forum 88
25 which again is the tax form for
income and expenses and I noticed that
his management was literally 50% of his
gross income and the income was land
boys on to Trenton so the gross was to
74 and again I have to it's gonna be a
hard time remember because it was like
one of my earliest acquisitions and it
was an apartment complex it was like 312
unit buildings so the gross was 274 and
his management expense was 87 thousand
dollars and I scratched my head at that
and I was like what's going on here so
apparently the guy self manages he owns
his own management company so he's got
an office for his management services
and he's got employees and everything
what he does is it the LLC that owns the
building
is also the management company that he
holds you know that is for the LLC right
so the LLC right just to clear things up
owns both the management company and the
apartment complex what this guy was
doing was to increase the expenses on
the schedule to obviously get more tax
advantages he actually would cashflow he
would collect half of his cash flow
through his management
company and the other cash flow through
just regular traditional means of
collecting cash flow so he cashflow a
total of about a hundred and sixty
thousand dollars that was the net
operating income on that building was a
hundred and sixty thousand dollars which
sounds about right
but half of it he would collect through
his management company and the other
half he would collected through his you
know normal self what that does is that
that decreases the amount of income that
you get through one Avenue which means
what tax brackets right tax advantages
you don't have to write you're not
reaching that tax threshold there's a
lot of benefits to that so instead of
collecting a hundred and sixty thousand
dollars through one stream of income he
divided it by putting eighty seven
thousand dollars and collecting it
through his management company and the
other you know eighty something thousand
through his traditional way of
collecting cash flow that allowed him to
actually decrease his the amount that he
had to pay in taxes it allowed him to
keep more of what he made so yeah the
great question another one Chris be
asked one more question before you go to
eat ahead where can I get more
information from where you guys to
really get started how to structure
offers for oopsy-daisy didn't mean to do
that how to structure the offers for
either single family home or multi units
so yeah Chris thanks for the question so
we actually offer coaching that and when
I coach so I right now I'm only taking
I'm only taking like 25 clients for the
entire year and I'm already up to like I
think 9 or 10 and we only really started
offering it like three months ago I
think so
I'm only basically taking on only like
1015 clients for the rest of the year
right because again my time I'm right
now I'm trying to start a 506 B or I'm
sorry if 506 C capital funds so it's a
lot of time has been going and plus I'm
working on a rather large acquisition I
think it's again so phase one's 48
properties and the whole portfolio is
probably going to be around like 400
units so that has taken up a lot of my
time having to fly back forth from
Chicago to
where I'm investing in but if you're
interested again feel free to either
comment down your email in this live
chat and I'll email you personally or
you can check out the clock for this
comm /of learn and you'll be able to
find information on our coaching so yeah
absolutely so yeah absolutely we do
offer coaching and I'll be more than
happy to help you alright any advice I
have a 810 oops let's go back I have an
a yeah 810 FICO and 122,000 equity in
primary home but was denied a HELOC oh
boy alright so you should go you should
come back on Wednesday where Sam
actually does a live Q&A for our HELOC
stuff Rob do we do need to for a
Delaware holding company no I'm gonna
stop you right there because I know
there's a lot of real estate investing
education companies that tell people to
get either Nevada Corporation or
Delaware corporation guys that is you
talked it any CPA I'm not talking about
the ones gotta get paid behind closed
doors to endorse it but if you talk to
Steve Hamilton if you talk to mark
Kohler which we've had on our show they
will both tell you that is the most
idiotic thing that you could possibly do
they're most likely there are in cahoots
with somebody else
right that is the worst thing that you
could possibly do get a Delaware no
that's absolutely I'm not gonna get more
into it cuz it's gonna make me upset
but the answer is no all right please do
not do that
krispy will do things yeah absolutely
right so go to the clock where's calm
for / to learn or again if you want to
type in your email and the chat box I
will reach out to you personally on on
our coaching and I like reaching out
personally just because I'm able to
network with individuals and for me I
love networking as much as I possibly
can so plus I love you guys right you
guys are subscribing to our channel man
I want to take care of you you know you
guys are spending time with me I'm
spending time with you this is beautiful
it's a beautiful thing alright guys so
it's 12 o'clock right now okay if you
don't have any other questions feel free
to hit me up right
subscribe to this channel Marko's didn't
say not to so yeah I so Rob mark mark
Kohler so I actually know mark Kohler
personally marks actually a very good
friend of mine and I've actually been to
seven of his live events and I can Gary
call him right now and and tell you that
he will not endorse getting a Nevada
Corporation or Delaware Cooper
unless again unless that's the state
you're doing business in if that's the
state you're doing business in then yes
file for that state but if you're not if
you if you literally if your business
literally have has no relation right to
that state that you are being told to
file in then don't do it right what's
the point right if you're not anywhere
near that state and then don't do it all
right but if you're doing business in
that state then then yeah absolutely go
for it right if there's any tax
advantages that that bring it then yeah
absolutely right but I've been told by
multiple people that are considered
experts in the tax and legal and again
guys I'm not I'm not a CPA I'm not an
accountant alright I surely may be wrong
here right but from what I've heard and
the reasoning behind that I've been told
that you know unless you're doing
business in that state then you should
you shouldn't do that are you coming
back after lunch to continue I don't
know maybe maybe I should but um most
the next Monday again we'll have we'll
figure this out right we'll have it to
where you guys can actually call in
right and to make it up next Monday all
I'll tack on an extra thirty minutes
right so we'll go from eleven o'clock
Central time to 12:30
alright you hear that Sam right we'll go
to 12:30 next time because of our
technical difficulties and you guys
stuck around I really applaud you guys
thank you guys so much for your guys's
support you know you've given me a lot
of great questions for me to think about
and now my wheels are turning right so
next week next Monday we'll have we'll
go from 11:30 what 11 o'clock to 12:30
but again guys much love to you thank
you for hanging out with me this is
always a pleasure masterminding and
spending time with you guys I'll see you
guys next Monday and peace out