The Everyday Millionaire Show
Ryan Greenberg and Nick Kalfas are two Maryland based business owners and investors. Ryan and Nick discuss topics such as basics of financial literacy, building businesses, investing, and real estate. This podcast is for people looking to achieve financial freedom.
The Everyday Millionaire Show
A Real Estate Investor's Guide to Maryland Politics with Mike Griffith
The landscape for real estate investors in Maryland has never been more challenging. In this eye-opening conversation with Maryland State Delegate Mike Griffith, we uncover the harsh realities of new legislation that threatens property rights and financial viability for both professional and mom-and-pop landlords across the state.
This episode is also filled with light moments, as Ryan and Chase discuss their experiences from their last Ironman race. From quad cramps, to 6-digit bicycles, the world of triathlons could've never been easier and more expensive at the same time. And to wrap up the episode, Chase goes on a full-charged barrage on a company where he recently purchased a cold-plunge for post-exercise recovery.
Whether you're a seasoned real estate investor or an avid triathlete, this conversation provides crucial insights into navigating Maryland's increasingly hostile regulatory environment and the reality of balancing business and physical fitness at the same time.
Welcome to the Everyday Millionaire Show with Ryan Greenberg and Nick Kalfas. Alright, guys, welcome back to another episode of the Everyday Millionaire Show. We are here at our new halfway done studio and we're with Mike Griffith. How you doing, mike? Mike was here a couple weeks ago, right?
Speaker 2:A couple months ago.
Speaker 1:yeah, A couple months ago.
Speaker 2:During the legislative session A couple months ago.
Speaker 1:Yeah, A couple months ago During the legislative session. Time flies, so excuse the switch. That's next to Nick and there's some drywall. That's not done, but we're almost done. We will have our new studio set up by the end of this week, so next episode should be good. Mike, thanks for coming back. We covered a lot on the last session. Now you're out of your legislative session, is that?
Speaker 2:what it's called Yep.
Speaker 1:So we have some fun bills and stuff to talk about Nick and Chase. We have some other stuff to talk about. Chase and I finally did our first Ironman race Well, kind of Two-thirds of it so we can talk about that real quick and then, yeah, we'll get right into it. So, chase, why don't you lead us off with the, uh, iron man stuff?
Speaker 3:yeah, I did, it was super cool. Um, chattanooga, tennessee, is a very interesting place. It's not a place that I would have expected an iron man to be, but, um, you know with you know with some, with some, I guess love, I would say for the, for the city, it's a, it's a cool town. Um, do I want to go back? Not really, it was a. It was a very fun bike ride. Uh, the the swim got canceled but the flow was ridiculous. We were watching, we were standing there, mike.
Speaker 1:And um like logs, like pieces of like wood were like floating down I don't know the river, um, and we were like excited because like, oh, this is going to be the fastest swim ever. And then they, we got a notification. I think it was like friday night. Yeah, they canceled the whole swim, so it was because of the flow and then, I guess, e coli, because of the rain in the water. So that was super disappointing, so immediately I signed up for another one and I'm doing that on Sunday.
Speaker 3:Yeah, the night after it got canceled, I signed up for a full Ironman, which was not fun. I signed up too, but Ryan convinced me I was just a pushover, to be honest.
Speaker 1:Yeah, it's a crazy, crazy thing, but it's super fun. Ryan convinced me I was just a pushover.
Speaker 2:To be honest, yeah, it's a crazy, crazy thing, but it's super fun. So, between doing the running, pull that mic up, pull that mic up to you.
Speaker 1:You can just pull it, Yep there you go.
Speaker 2:So, between doing the bike and the run, where was your fatigue level? Because you do the swim first, right, typically.
Speaker 1:Yeah, so the swim luckily doesn't really do much for your legs, like it doesn't really mess up your legs too much. It's more, they just throw that in there to like, I think, just to mess with you more or less, like it messes with your equilibrium and your calorie burn, um, but as far as like your legs go, you really burn your legs out on the bike in the run. That's the the majority Like. The swim is only 40 minutes, the bike is close to three hours and the run is two hours so well, depending on your time. So we started, we were crushing the bike. Chase and I rode together. The bike was through like Northern Georgia, which was like rolling hills. We were cruising, we averaged almost 22 miles an hour and that was super, super fun. Um, then the run was a little brutal. It got hot, it was hilly and chasey boy started falling apart. He did, he had some cramping issues, um, so I think we separated on the run around mile six six or so going over the bridge and I was going up.
Speaker 3:Ryan was just getting further and further and he looked back a couple of times and I'm just like I was trying to wait for him.
Speaker 1:I was slowing down. I was looking at my pace and we were doing nine-minute miles and I was doing 10, and then I was doing like 11, and he was getting further away and then I saw him give me the signal to like go ahead.
Speaker 2:So having different experiences, and I guess I'll start with you because and now I'm doing the interview you had some cramping issues, what. What are you going to do different next time to make sure you don't have those issues?
Speaker 3:yeah, it's funny water yeah, I mean right after the race I went straight to Chad GBT and I told it everything and I said what did I do wrong? And I under fueled uh, under nutrition, uh didn't take in enough sodium yeah so that was, that was the biggest part.
Speaker 3:Ryan was giving me salt tabs. I was popping like four salt tabs. Um, as soon as I got off the bike we were running, I looked over at him and I was like, dude, I'm, I'm like gonna start cramping. My quads were starting to pulse and you just it's like that feeling of like I'm about to start cramping. So for 13 and a half miles I went on and off of cramping, walking up hills, like I was just like determined that I was going to crawl across that finish line. If I had to.
Speaker 4:So did it mean that you didn't have enough sodium during the race or just like leading up to it, you didn't intake enough sodium.
Speaker 3:During the race. And yeah, probably both a little bit of both.
Speaker 1:So drinking water that's the problem Like you can drink, like at the end of it. If you looked at my belly, it looked like I had like a baby inside me Because it was full of water and the water doesn't, like, through osmosis, get to your muscles because it doesn't have the sodium to do that. So you have to figure out your sodium basically what you're losing when you sweat and replace it with the proper amount of electrolytes.
Speaker 2:So a couple of questions, so a couple more questions. So a couple more questions. Let's just talk about this the whole time, right? So it's not a competition, but it's totally competition and you guys are partners in this. But what was the difference? How far ahead did you finish this time? 30 minutes ahead About 30 minutes. So what would you do differently in the next race?
Speaker 1:So this coming race, I upgraded my bike. That was a big one. We have very high-tech bikes where I have power meters in the pedals. It tells me how many watts I'm putting out, and I was putting out above what my threshold should be, watching other people just blow past us as if we were sitting still. So I knew the bike was part of it. So I upgraded the bike. I'm wearing this Quintana Roo shirt shirt. Maybe they'll do something for me after spending. Um, should I just say it?
Speaker 1:so the bike was twelve thousand dollars, but when I saw these people flying past me, I was like, if I want to compete in these kind of competitions, you have to do what the pros do. So I got a quintana rue. Shout out to quintana rue. Hopefully they can send me some love or something for um, yeah hook me up too, because I'm about to buy one I was gonna say did you buy one, didn't sell?
Speaker 4:and yes, not yet.
Speaker 3:But right, no it it did end, but the sale is still there and I get military discount. So so, mike, if you want a bike, you get military discount. Try to get under five figures. Yeah, right, jeez. So I mean, there's all different price levels and me and Ryan have been going back and forth, and I'm typically the guy that either goes the cheap route or I go all in for the best, looking at like some other options, and I could literally talk about this for days. But I wanted to answer your question about what I would do different completely, and there's four parts to Ironman right, you have the swim, you have the bike and then you have to run, but also you have nutrition, and so that's the part that I really didn't do. Right, I needed to be taken in a thousand milligrams of sodium an hour.
Speaker 4:I took in during the race.
Speaker 3:Yes, yes, I only took in 250 milligrams yeah, that's gonna cramp you up, so I blew. I completely blew up. I mean, I was walking up hills coming down to the finish line. It's all downhill. Ryan can attest to this. It's all downhill, so you should be flying. At this point I'm almost walking because my legs are locking up as I'm running still.
Speaker 1:So, funny enough, I will put we'll put a picture up on the video of me, luckily, after the race. So I got up, um, I stood up to come see chase across the finish line. So we're all wearing GPS trackers so we could see where everybody is all of our friends there was 11 of us that did this race together and where everybody is, how fast they're going, everything live, live updates. So I knew chase was coming across the finish line so I got up and, um, I, I stood up, I got, we saw him come across the finish line and then we were walking out and there was like a 10 inch step up to this, like great, like a culvert kind of thing that we had to step up over. I stepped up on it and it felt like at that point two people like tased both my calves and my calves just started and I fell over like a, like a tree getting cut down and I looked like he just got shot.
Speaker 1:I was in yeah, I was in such pain, I was helpless, chase, luckily like chase and I go to the stretch zone and he knew like how to stretch my calf and he was like my calves were like literally pulsating and I couldn't control it. Um, and all my wife did like people were there generally concerned about my health and well-being and my wife was like take a picture of me and it was me dying on the ground and my wife holding our dog, kind of photo bombing me. So I also needed to basically intake more sodium, more calories. Just in general needed to basically intake more sodium more calories, just in general.
Speaker 1:Um, and I think part of my goal this, this next um race on sunday is faster transition times and I just I have a couple couple of goals faster transition times and then obviously my swim. We I didn't get to see on the first one, so I want to get a full sanctioned swim time.
Speaker 2:So you mentioned it was interesting. You talk about water in your muscles, right? So you know I use creatine. You know for really for recovery, right? Because I'm 40 years old, I lift heavy and when I lift, the recovery time is my mind's willing to buy? It's not, but when I'm taking creatine I recover almost 20 years younger, right? So do you take creatine? Do you think creatine? Do you guys use creatine? Yeah, and that, do you find that, do you? What is the experience when you are on creatine versus not? At this high level, I'm never off of it.
Speaker 3:Okay, same. So yeah, yeah, I haven't been off of creatine in probably a year or two.
Speaker 1:Okay, yes, I have a very strict supplement stack that we take and creatine is every day, no matter what.
Speaker 4:Is that after the workout or is that like before I take it?
Speaker 1:before.
Speaker 4:It doesn't really matter as long as it gets in your system.
Speaker 1:Yeah, it doesn't really make a difference.
Speaker 2:It doesn't taste like anything, so you can mix it kind of in anything and I actually sometimes just throw a scoop down chase with some water and call it a day. Yeah, no, no I don't do that it actually it actually dissolves so quickly it's, it's not a thing so yeah, so creatine's on there.
Speaker 1:We have like a carb drink that, um that we take that's full of like electrolytes, carbohydrates, quick acting carbohydrates, um. So I'm going to increase that I have my new bike has a built-in hydration system, so it's basically got like a camelback tube coming out of it so I can stay in aero position and drink. So I'll have a concentrated version of this uh carb drink that I can mix in as we as we go through the race. But there's a lot of science behind how much like we burned 7,000 plus calories during that day. So just trying to infill that is super difficult.
Speaker 2:Do I remember seeing it on social media? Did you guys like eat a whole bunch of wings immediately following this?
Speaker 3:We ordered 10 pizzas.
Speaker 1:There was like five of us and somebody was calling in pizza orders and we all were like we knew we were hungry, but it's hard to eat after doing something like that. And I think I was the one that got the bread. Like I ordered just 10, just order 10 pizzas. And we ordered 10 pizzas and like 50 wings and we ended up eating like two pizzas out of the 10. And most of the wings got eaten. But yeah, it was. I couldn't eat during it, I had to force myself to like to eat and the whole time on the bike I'm talking to Chase like look my threshold, like we're above my threshold, like we're going to blow up, we're going to blow up. And we were just going, we were just like in such a zone that we just said fuck it. We just kept going and, uh, we both ended up blowing up at one point. So that it's a learning learning the bike was fun.
Speaker 3:I think that's the. The challenging part is like when you're on rolling hills and you're like competitive, it's really hard to like dial it back a little bit yeah and so, like we would say, we would literally look over it and be like, dude, how fast am I going?
Speaker 3:like are we going too fast? And he'd he would be like, yeah, we're going way too. Like we need to slow down. I'd be like, all right, nope, it's like I couldn't do it. Um, because we were just watching the people in front of us, trying to catch the people in front of us. Right, yeah, it gets competitive.
Speaker 1:There's over 3 000 people there in this race. So you're seeing people that you're like competing with and they could be in your age group. They could not be, but like, there was a girl that we rode with basically the entire time and she turned out to be like in the 18 to 24 category and she crushed us on the run, but we basically she was a better like, we had different strengths on the bike so we would pass her on the climbs and then she would pass us and then we would pass her and we kind of leapfrogged back and forth and your bike was probably ten thousand dollars more than hers.
Speaker 2:No, so so our bikes.
Speaker 1:That was part of the part of the thing. We have nice bikes. It's not like we don't have nice bike, we didn't have nice bikes. But these tribe, like aero bikes, are just built differently. Maybe I'll have carl put a picture of what I got on on the video as well. It's like the frame is like just like an inch and a half thick. It's all carbon um ceramic bearings, like everything is just like super, super dialed in.
Speaker 3:Techno technology is just out of control like these bikes are specifically made for triathlons and nothing else the way that the stance is.
Speaker 1:Like you, I have elbow pads that hold and the shifters are electronic, so it's just buttons. So, like my shifters, don't. There's no cables, there's no extra weight for the cables, it's just you're sitting in this position and you got to practice sitting in the position without getting your heart rate spiked. There's a whole, um whole bunch of stuff to this ultra endurance stuff.
Speaker 2:That's just like a whole nother world my response to that is the last bike I owned was 1989. I was 12 years old I was a huffy sigma and the huffy sigma had wheel discs, which was this I don't know stupid little thing that I got excited about. So when a 12 year old, maybe.
Speaker 3:maybe we'll do a youtube challenge and we'll buy like a beach cruiser or something and do a triathlon with the beach cruiser. That'd be fun. Yeah, you guys enjoy that.
Speaker 2:Yeah, yeah no, I can narrate, I'll narrate.
Speaker 1:But no. So that was super cool though we got it done. We've been talking about it forever. Now we're both signed up for this full in September in Cambridge, Maryland, and I'm doing another 70.3 Ironman on Sunday. We just actually had one on last weekend over in Rock Hall, Maryland and Chase came in second in the military division and I came in fourth. I was in my age group. I was very upset.
Speaker 3:I missed third by four minutes and first by six minutes, so we were all kind of pretty tight, that's pretty close and to show you how, like, how much of a vantage ryan had on the bike, he put eight minutes on me on the bike, um, and I mean that's, that's a lot of time in a triathlon event, especially in the shorter distance, like the olympics and normally chase and I are pretty similar on the bike, like we'll put I think almost every race we've finished around the same mile mile per hour average yeah, like at one race, miami, we literally was like 21.9 or 21.
Speaker 1:We were both exactly to the 10th of a mile like mile per hour, and this one I was just. There was no way on that bike that he could have got me like I felt the machine take over it was. So now chase is about to buy one too there you go, yeah yeah, it's a big investment.
Speaker 3:But somebody, uh somebody wise told me you can't put a price on your house. That was me. Hey.
Speaker 1:I said there we go can't put a price on your health. I said you know what? I stopped drinking alcohol. I don't go out to bars like there are people that spend three hundred dollars a weekend just going out to the bar. I don't do that like I my hobby is triathlons and I have some other hobbies, obviously, but like, if I'm gonna spend my money on something I'd like, why not be my health my?
Speaker 3:that's my goal we're gonna drag nick in you have a balance. I like drinking you can drink after the ironman yeah, I had.
Speaker 1:I had one beer and I was like oh wow, I can't do that again. So anyway, apparently you guys are not in politics so yeah, no we are not, definitely not in politics.
Speaker 1:So, mike, we brought you here because you're on a session. We have a bunch of stuff to talk about. There's some crazy stuff happening in the real estate world. I guess the first thing let's dive into because we were talking about it before is the squatter thing that's happening in Maryland, and I guess we can catch people up. If they're not from Maryland, they're not listening in, they're not a real estate investor. Basically, maryland is I don't even want to put it out in the world that it's a super squatter friendly state and we were hoping that you can help us I mean.
Speaker 2:So we did pass the law. This year. There were several bills trying to address the squatter issue. They did a couple of things that were kind of like you know, nods nods towards the issue really that if somebody files a complaint for wrongful detainer which is the law that describes squatting that they have to have a hearing within 10 days. Now there's lots of ways to circumvent that, but it still doesn't address the main issue where judges are ruling that if you're, you know you're right to the property.
Speaker 2:If your deed is not recorded in land records, then the judges are just going to say hey, well, you don't. Who are land records? You don't own the property yet. So we're going to go ahead and punt this right and come back when you own the property, but in almost every case that's out of the homeowner's control because in certain jurisdictions Baltimore City, prince George's County, to name two it can be four or six months before the deed's recorded. So I'm going to actually introduce legislation in the upcoming legislative session that will require judges to recognize a ratified contract and submission of the deed to the jurisdiction as ownership.
Speaker 1:Which they do in all other aspects of our world.
Speaker 4:So if we want to get permits.
Speaker 1:Right, we can get a letter, letter notified letter what this goes back to is.
Speaker 2:I believe the law would allow for a judge to recognize a ratified contract and submission of the deed as ownership, but judges are interpreting things in different ways. And maybe some judges are being pro squatter in this case, right, I mean, that's hard to we don't know, but can't read somebody's mind because it's such an outlier right. But the one thing I was taught when I first got in the general assembly is never let the judiciary interpret the will of the General Assembly. So we just need to be, I believe, more prescriptive in what we want. And if somebody owns the property legally, just because it's not a land record right, it's their property and we shouldn't let somebody steal their property because, listen, squatters are stealing somebody's property At the end of the day day.
Speaker 1:That's what it is and and just so we're, we get it out there in the world. There is a, a person that is promoting a quote-unquote business, that she is literally finding properties for people that are, um vacant and telling people that how to get bg and e put in their name, how to write a fake lease, and basically teaching, holding seminars on how the people can squat in other people's homes and charging them a fee Nick was saying some sort of flat fee where they can go in, move in and then, especially if at that point you don't have have like sometimes when we're getting a house ready for turnover or something, we have to get a rental license in some jurisdictions. Right, if we don't have that rental license, then you can evict them. So if we don't have that rental license and we always get it prior to the move in but if it's vacant and somebody moves in and then holds that place hostage, it could be six plus months before we can get that property back.
Speaker 4:And I want to go back to when you talked about filing the wrongful detainer and with the deed not being recorded yet on public record. I had that situation where one attorney they told me they won't even submit it until it records and I wasn't willing to wait. It was a house that I bought squatter, occupied. So I'm at the beginning stages of getting that deed submitted and get it recorded. So I reached out to another attorney and they were like, yeah, we'll go ahead and submit it, but there's a chance that the judge will throw it out. And I'm like let's just do it, we move forward with it. We printed out, you know, letters indicating the deed was recorded, the deed signed deed and we brought that to court and they accepted it.
Speaker 4:And that's like it's huge the judges, the discretion that they have. You can get one judge that will say we'll take this and you can get others that may say they have to wait until it's recorded. And that really screws a lot of people over because even if they have 10 days to have that court appearance, if they just bought that property and people just moved in, or if they bought it with squatters, then they have to potentially wait three, four months to actually see that recorded and I would say, try it anyway. Try it. You might get the judge that says, hey look, we are going to move forward with this. We do see that you sent a deed of recording and just try to do it. That way I wouldn't wait. There are attorneys that won't even file initially because of that reasoning, and if I didn't go to another attorney it would have taken me probably five more months, but luckily the judge was able to push it through.
Speaker 1:I think one of the big problems, though, too, is Nick has access and means to go to multiple attorneys where there's a lot of mom and pop landlords. As somebody that owns a property management company, I have people that we manage for that rely on that rent very heavily to pay their mortgage. For us full-time real estate investors, we kind of understand okay, you have two dozen plus properties, a couple of them are going to be vacant. You have to account for that. Some of these people are renting out their house out of necessity because, like the one girl that we're doing in Hubert in Locust Point, she's in the military or a contractor of the military and got stationed down in Hawaii. So she has to move, she has to rent out her place.
Speaker 2:Right, she can't sell it right now.
Speaker 1:She can't refi because she probably got a first time a va home, uh, at three percent right, and she can't. She's not going to refi at five and a half six and her mortgage is two thousand three thousand dollars a month, so she's got to cover the nut for the, the mortgage, right, right.
Speaker 2:But then any margins not used for her pocket, any margins used for upkeep and repair, and these things right so those people are.
Speaker 1:People are getting screwed the most, and that's where we need to like-.
Speaker 2:And our laws don't discriminate. They're going. Our laws hurt the professional landlord and the person just trying to make sure their house doesn't go to foreclosure in the same way.
Speaker 1:Yeah, and I don't know the percentage of landlords that are professional, full-time real estate investors, but I would imagine that it's more than 50 of the houses that are rented out are mom and pop landlords.
Speaker 2:They're not institutional, I would I would say higher than that. I wouldn't say about units, but I would say there has to be significantly more individuals who are mom and pop landlords versus. So we're not talking units. You'd probably say there are more units that are owned by professional landlords, right, but talking about professional landlords, the volume versus the number of non-professional landlords, you're probably looking at many, many times more individuals who have one or two units or one unit. So we're talking about the number of people. It affects is going to affect more of the Ma and Pa landlords.
Speaker 1:A hundred percent, so we need to do something. It feels like our local government and state government is working against people that are working hard.
Speaker 2:When it goes back to the issue we talked about on the last podcast. We kind of talked about the legislative process and why it's important for the investor community to be involved and have a voice and show up. Right? So, like the bill we passed a few years ago that raised the filing fee for evictions from $15 to $55. That $30 balance, or $40 balance, goes to the fund to provide legal assistance to people being evicted. Right? So, as a landlord, you're funding the legal defense against yourself, and we expanded that fund this year. We passed a bill that increased those dollars to $14 million. So now landlords are funding $14 million in legal defense against themselves. Think about that, yeah, and where else do you pay for legal defense against yourself if you've been proven innocent?
Speaker 1:just the great state of maryland here, right, um, and that's, I think that's a huge um, I don't know, demotivate, I don't even know the right term is, but it's making people like me not want to do this demoralizes you yeah, right for sure, and it's. It's like well, why would I go and and try to buy more properties when, quite literally, the state is working against you?
Speaker 2:and it's like I don't know, write down many ways states working against all of us. I mean, if you, if you pay attention to the budget and the 1.8 billion dollars in taxes and fees we raised this year uh, including fees that hurt our industry uh, yeah, like they are working against us and I'm working against us not saying me as an investor, because I'm not an investor, right, but me as a marylander who wants to raise a family and do right and would love to be able to retire here uh, yeah, they're working against us everywhere so, speaking about the budget, can you talk about a little bit?
Speaker 1:so we had, uh, I don't know if we talked about this on the last podcast, I don't even know if it was really big news, but our new governor has blown a what eight billion dollar like had a what's eight billion dollar swing, right, sure.
Speaker 2:so I mean, we talked about some talking about the looming budget and the $3.3 billion shortfall that was coming, and then there's some argument on what caused shortfall. I mean, losing the $5 billion you have certainly is a contributing factor, right, but we've spent money for years that we haven't had the education bill and again, again, politics plays a role. If we don't support the kirwin bill, the blueprint and the 40 billion dollars in, uh, the bill that we didn't have the money for, uh, if you say you oppose that, then some people say you're, you hate teachers. No, I don't hate teachers, teachers, frankly, we've created laws in maryland that made has made the teaching profession much more difficult, right, and, and we should be doing more things to make sure there's better discipline in schools and things that interest We've actually made, through policy, the teaching profession much more difficult and they deserve more money. But how are we going to pay for it? Right, and they talk about well, your budget's your priority, right? Well, if our budget's our priority, then you've got to make the hard decision. If we're going to spend money here, we've got to take money away from here. It's taking money from taxpayers. To spend more money on other things is not the hard thing. That's not a priority. Your priority is what am I going to sacrifice to do this? And we don't do that.
Speaker 2:In Maryland, we spend more and more and more. And you'll hear things that, well, there was cuts in the budget. There was no cuts in the budget. There was less spending than we wanted. But in your life, right? If your annual household budget goes up year over year, did you make any cuts? Not necessarily, right? So when the budget goes up by a billion dollars year over year, you're not making cuts. You're spending less than you wanted to, right. And then you hear the line where 50, spending less than you want it to, right. And then you hear the line where 94% of Marylanders are getting a tax cut, right? Well, that's true. 94% of Marylanders are getting, on average, a $50 tax cut to their income tax $50. But I can give you two or three things, right now that we passed this year, that eat that up on its own. So no one's getting a net tax cut in Maryland at all. You don't raise $1.8 billion in taxes and fees on a state of 6 million people and that doesn't affect every single person in the state.
Speaker 1:So how did Larry Hogan end with a surplus when it seems like, from what you're saying, it's like almost impossible, based on the way that we spend money?
Speaker 2:It was a couple of things. So there were some federal funding came in through COVID, but also at the time, the governor had a lot more power over the budget. So Maryland wall requires we have a balanced budget. So if any governor or the legislature claims that, yeah, we balance the budget, we'll buy the constitution you're required to. Now, do you do it on the backs of cost savings and efficiency or are you on the backs taxpayers? Maryland, for the last you know number of years, has chosen to do it on the backs taxpayers.
Speaker 2:Um, but it was not only we had some more money coming in um, but also he was able to set the budget and set the priorities, and the legislature only had so much power to affect the budget. Well, the majority party in I mean, I don't want to be partisan Democrat party the majority party, the party in power put in a constitutional amendment in 2022 on the ballot saying that in order to have a balanced budget, we must move this power basically from the governor to the legislature right, which basically it was. They wanted the governor to have less power of the budget and more power of the legislature. Now, the line in there that I felt was questionable was in order to have a balanced budget. Well, we're required to have a balanced budget anyway.
Speaker 2:That constitutional amendment had nothing to do with balancing the budget. It was just a transfer of authority from the governor to the legislature. It's not. A legislature has a lot more power to affect the budget and move money around, things of that nature. So that's also a decisions that say we want to spend more and then when we overspend, we're going to just, instead of cutting the budget, we're going to do tax more and take it off the backs of Marylanders and we're facing additional budget shortfalls in the coming years. This wasn't the first bite of the apple. It's going to get a lot worse.
Speaker 4:What are some things that we can take away from, instead of just adding to it?
Speaker 2:I mean so? I mean some of these are political footballs, but I mean. One example is free health care for non-citizens, right? So we've passed laws that give free health care to a large number of folks, many of them non-citizens, and that created a half a billion dollar unforeseen increase in our health care costs as a state. We knew that was coming. My party projected that. We were told that wasn't going to happen. That's what happened. That number's going to go up and up and up and up.
Speaker 2:Also, our energy policy decisions right, because when you make a policy decision, you shut down our power generation. That doesn't only impact the cost of energy for homeowners and citizens, it impacts the energy costs of government, right, because government has buildings and infrastructure they have to pay for. Those costs go up. So you're going to see it there. Kirwan was one of the biggest ones, right. A $40 billion unfunded mandate for education, right. That mostly goes to teacher salaries, but when you spend that money without a vehicle to pay for it, you're going to have to raise taxes. So those are. I mean there's other things too, but those are probably the big three that we feel the most.
Speaker 1:Where is the money? I think we probably touched on this a little bit the last time, but where's the money for from marijuana tax? Where's the money from the sports gambling, sports betting and casino betting, Because that's new in the last decade? Those were all supposed to be things that go and fund.
Speaker 2:But remember, sports betting and sports gambling was to pay for education of the laws we already had in place. So this money is above and beyond that. And then, as far as for marijuana revenues, a lot of revenue was diverted, originally for education. Now it's been moved to, uh, a fund to fund a fund to support mine already owned businesses. So, but even then, those two revenue streams wouldn't begin to scratch the surface of this, this 3.3 billion dollar shortfall. We face this, which is going to escalate to over $6 billion in the next few years.
Speaker 1:So, with that much of a deficit, the government people, the team that has implemented these things, how are they going? How do they plan on winning the next election?
Speaker 2:Well, I mean, this is a blue state, so I think the only person that could probably really legitimately challenge Wes Moore would be Larry Hogan. So if Larry Hogan got in, that would be interesting. But as far as the elections go, maryland's arguably the most gerrymandered state in the country, so most of these elections aren't going to switch Republican to Democrat.
Speaker 1:So it's really not going to largely affect the state at the legislative level, but isn't it evident that we are failing, like the citizens and mostly the blue collar or middle class and that makes up the majority of voters?
Speaker 2:I mean yes, but at the end of the day it falls back into politics and people have different reasons for voting the way they do and the the makeup of the state. Um, I don't see a flip in the legislature. Remember, this has been a one-party state for 150 years, with the exception of the governor's mansion a few times in that mix. So I think only four years in the last 150.
Speaker 3:Um, uh, republicans controlled the legislature what do you say to the people that say maryland is the next california? I think maryland is california. I think we're already there scary thought california and chesapeake. I think we're already there.
Speaker 2:It's a scary thought. California and Chesapeake I think we're already there, yeah.
Speaker 1:What's funny is like we have some from New York and there's a lot of people from New York that are moving to places like Delaware, places like Florida, and then they're moving to those places but still voting the same way that they did in New York. Which is the reason that they left New York is because it got so highly taxed and so highly over.
Speaker 2:We're seeing in Texas, a lot of people are leaving California because the climate there, the economic and political climate, and then they go to Texas vote the exact same way they did in California. That created the environment that made them flee California. So these are great questions. But just because you're a Republican or Democrat state, like you know, Delaware is a blue state. It's a deep blue state, right, but they don't have any remotely the economic policies that we have here in Maryland and it makes us so hilariously non-competitive with the states that surround us non-competitive with the states that surround us and the people that are out there voting this way?
Speaker 1:do you think they're just uninformed, like? Why do you think people would vote against their own wallets?
Speaker 2:I mean, I guess I can't speak for them. You know, I'm not going to attempt to speak for someone's voting patterns. I mean for me. I me, I feel like, you know, maybe I'm not the best person to manage my own finances, but I should have the right to choose if I'm the best person to manage my own finances. And the more money you take out of the economy through taxes and fees, the less you allow people to not only, you know, establish, you know, financial independence. Right, the opportunity for homeownership and again, this is one of the things that a lot of the investors get a bad rap on, like you guys are taking, you know, properties that are otherwise, you know, you know, useless. Making them livable, making them affordable and giving people access to home ownership. And the number one indicator in America for economic mobility and lasting wealth is home ownership. Home ownership is the key to the American dream. So, by us not allowing people to have more money in their pockets to have an access opportunity to buy a home, things of that nature is really tough.
Speaker 3:You also mentioned earlier, before we jumped on, that short sales from your title company are going up. Do you think that has a direct correlation with the cost of living and taxes and everything else that's going on in Maryland?
Speaker 2:I mean, this is really anecdotal. We've seen data that shows there's a couple of things. Shows there's a couple of things.
Speaker 2:The one number that I dislike the most in all of economic policy and political conversations is the unemployment rate.
Speaker 2:So the unemployment rate is based upon a sample size largely provided by the payroll companies, and it's really tied to the number of people that are applying for a job versus jobs out there.
Speaker 2:Right, and some of that's driven by people that are on unemployment insurance, because when you're receiving unemployment, you're required to apply for two jobs a week right, but there's no real mechanism to really verify if you're accepting these jobs or not. So some of it's driven by people that are receiving benefits and some people that are actually applying for jobs. I believe the real number is a number called labor participation rate, or now they call it workforce participation rate the number of Marylanders versus the number of Marylanders that are working. So in 2020, 2019, we were at basically an all-time high of labor participation rate in Maryland. So of six Maryland Marylanders, 68% were working right. Today that number is 62%, which is the lowest in my lifetime, which means out of roughly 300,000 Marylanders have chosen some may not be able to, but largely 300,000 Marylanders, for whatever reason, have chose not to go back to work thousand Marylanders, for whatever reason, have chose not to go back to work right now.
Speaker 1:Is that number skewed due to like? Okay, take me, for example. I quit my job as a teacher. Does that put me in the unemployed category?
Speaker 2:well, if you're, if you're reporting that you have an income right and you're filing taxes with income right, then you're working. Whether you're an employer or not, you're showing that your word counts right 100.
Speaker 2:Okay so that doesn't count towards it. But there are 300 000 marylanders that were receiving an income before covet that are not receiving an income now from, you know, from something not an entitlement, right? We also saw in the DC DMA or DC area that we have a record amount of credit card debt over 13,000 per household, right? So? And also, you have a lot of people that bought homes before interest rates got up. You know, bought them at four and 3%, so on and so forth.
Speaker 2:Now, if people aren't working, if costs are rising and if debt is skyrocketing up, you know, bottom at four and 3%, so on and so forth. Now, if people aren't working, if costs are rising and if debt is skyrocketing with, now people are starting to hit a breaking point. What do I do? Right, and refine your house is out of the question. You can't just refi your house, because if you refi at a higher rate, I mean you're in a worse situation than you are now. So either I have to make more money, I have to make money, plus I have this debt. What am I going to do?
Speaker 2:So it feels like you're seeing and there's data to support this that people are just kind of in trouble and they're getting foreclosed upon. The one thing I feel is different from now than what happened in 2008,. I don't think it's going to be the same level of catastrophe, but it feels like the banks are more willing to short sale than to foreclose upon, because I think in 2008, they wanted to foreclose and keep the asset. I think now they want the assets off their books. So I think that's why it's at least what it feels like that banks are more willing to be willing to short sale and get it off the books then, that banks are more willing to be willing to short sale and get it off the books then, which also helps preserve individuals' credit, because it's much less of a credit hit to somebody to short sale than be foreclosed upon. So I think people are more interested in doing that.
Speaker 2:So it just feels like that's where things are going, and I've seen a significant uptick in my business of short sales, of short sales, yeah, and, and people were, and even the banks are being extraordinarily accommodating to being willing to delay a foreclosure if they think they have a short sale, and that's just. That's just anecdotal from what I've seen, you know, but there's some. I feel like there's starting to be some more and more data. I was out in LA at the, the, the the Milken. I was going to bring that up to you.
Speaker 1:That was that was.
Speaker 2:that was ridiculous, Crazy. Uh, that was awesome experience. Uh, way out of my league. I was definitely the poorest person in LA.
Speaker 1:that day I saw your picture with Ben Shapiro.
Speaker 2:Yeah, yeah, that was pretty awesome, my mother-in-law is a huge Ben Shapiro fan.
Speaker 1:Yeah, I got.
Speaker 2:I got just as fast in person. Oh, yeah, yeah, yeah and you get that much time with them too. Yeah, I just saw them walking through. I'm like, hey, snap, go boom, um, uh, and I'll get into some of the politics around that stuff too. So um.
Speaker 1:Can you just tell what is the milken institute?
Speaker 2:it's basically the super of money. It's where every individual, uh, it's where all the financial institutions and financial experts come together A lot of business gets done, but it's a lot of knowledge sharing. I took a lot away from how to help, you know, lead my company, lead employees, develop and retain talent. I took more because obviously you know, you know, you know help lead a title company and a law firm here and you know you know timonium, uh. So obviously I'm not dealing with dollars and cents remotely where these guys operate, but I could still take their business practices because these are some of the most successful people on the planet and, like every billionaire was there, I mean elon musk was there, uh, the ceo of blackstone, the ceo of apollo, I mean like that's something you have to be invited to uh, uh, no, no, uh, um.
Speaker 2:You have to pay to be an associate there, um and uh, it's not cheap either. But I mean, like we can talk about it.
Speaker 4:You can talk about it.
Speaker 2:The ceo of apollo, you know, manages 1.2 trillion dollars in assets and has 100 000 employees, and I'm there in this room not, you know? You know a pretty small area, getting to hear him talk about what's important to him and how he grows his company and the people he needs to retain and his indicators of when he's in trouble and if he's losing these key people, then he's in real trouble. Like it was just it all comes back to basic nuts and bolts of how you lead a team and run a company. Even at that level, um, and I took a lot about how to run a business and lead a team out of it. That was because I will never. And where was the event held at? Uh, it was at the Beverly Hills Hilton.
Speaker 4:Is that once a year? Yes, yeah.
Speaker 2:Yeah, yeah, very heavy security. It was a little bit out of my league, if I'm being honest. I was definitely like a fish out of water.
Speaker 4:So I'm just trying to gobble up my guts. Did you get to go because you're a delegate?
Speaker 2:No, no, no, no no.
Speaker 1:I no, no, no, I got to go with uh, uh, um for for a work event. It was work related, so we can I mean we could talk about the law firm a little bit now. I'm working with you guys, um, for my law needs and you guys have hooked up us with some some cool stuff recently. So I want to give you guys a shout out to albers and associates. Albers and associates albers, albers and associates um, I've been saying that wrong for the last that's close enough albers, albers.
Speaker 1:Um, anyway, we've gone to the suite at the orioles game and then these crazy seats for the caps. Um, that was a wild game. That was, yeah, game five. They won. Um, that was super, super cool. So, thank you for that, ross albers. Yes, thank you, ross and associates. Um, we got to meet a couple of the other lawyers at the um, at the office that, oh, speaking of, we have an event coming up on july 31st, our next podcast event, mid-atlantic title, and albers and associates, owned by the same person right, yeah, same same same umbrella they're hosting generously hosting our next event, so we'll not be at cvps.
Speaker 1:Um, so take note of that. Everybody that's listening, we will be in.
Speaker 2:What's the address? 95, 15 deer co road with the entire fifth floor. Our company occupies um, which is, if you know where liquid libs is in timonium same building, kind of next to mcgoobies. If you know where that Libs is in Timonium same building, kind of next to Mugubi's. If you know where that is? Tall building. It's great. Tons of parking, three elevators to get up and down. We're going to have a great bartender, my good buddy, jeannie Bishop, providing the live music there. Our food Awesome, it's going to be a great time.
Speaker 1:Yeah, we appreciate that and it's funny. I was talking to another sponsor, current cabinetry, one of our longtime sponsors and she was like, oh man, I'm so happy to be out of cbps, like we needed to change, and I was like nothing against them great venue, great folks this would be a cbps has been good to us, but it has gotten we've done. I don't know yeah, yeah, at least six, seven, maybe so, uh, it's time that we change it up, and why not make it even further away from where Chase and I live?
Speaker 4:Well, you guys open this office down here. It's an hour drive, but it's literally 30 seconds off 83.
Speaker 2:Very easy to get to. We're really excited. It's going to be a great venue, so we appreciate you guys partnering with us and allowing us to host everybody and share a good time.
Speaker 1:Yeah, I look forward to it.
Speaker 3:Hopefully we can break our summer record. For attendees, summers are typically a little slower, vacations yeah.
Speaker 4:We tried to schedule it early in July and you were going somewhere. I was going somewhere in a different way and you were going somewhere.
Speaker 1:Yeah, but we always get a good group of people show up, so I don't know how many free tickets have sold so far, but we'll have. We'll have a good turnout. Um, we'll start promoting it more and more. So thank you, ross, and um team mike obviously, for linking us all up, so that's going to be really cool, appreciate it. Um, all right, what's what's next on the on the docket? I know I had some other, some other stuff.
Speaker 2:You have some stuff that yeah, I can run through a couple things. Obviously, we have issues with the budget coming up. Just a couple things. Let me put on my glasses. Here comes my age man. I got to do this on camera.
Speaker 3:We definitely got to talk about my experience with Cold Plunge oh.
Speaker 2:God, I've done Cold Plunge.
Speaker 3:Yeah, we'll talk about that.
Speaker 4:What's the brand of it?
Speaker 3:we'll talk about it.
Speaker 2:so I'm really going to talk about some of the bills that you know are relatively unpopular with with our folks. So here's one um uh, late payment penalties and calculation uh, residential leases. If you're following home it, it's House Bill 273. You can look it up online. This bill will alter a prohibition concerning the maximum penalty for late payment of rent. So basically, you can no longer charge more than 5% of the unpaid amount rather than the amount due for late charges. So that caps what you can charge for late fees. So that's a bit of interference into, um, uh, our industry. Uh, in the the, the BRFA, which is the budget reconciliation bill, that they put all the fees and the taxes into, they didn't pass tax bills. They put all in this one budget bill and shoved the whole thing through, which was kind of interesting. One of the things is the lead rental registry fee went from $30 to $60. Oh, wow, I didn't know that. Yep, that's coming. And the fee for an MDE lead free report increases from $10 to $50.
Speaker 2:So, yes, Plus $400 to get the inspection done yeah, and then the 75 for the lead rental registry fee paid to every year is now 75, but these were reduced I'm so confused.
Speaker 3:Does baltimore city want to grow? This is maryland maryland in general this whole state.
Speaker 2:Yes, yeah, um, here's one. Real property landlord tenant procedures for failure to pay rent, breach of lease, tenant possessions recovery act. You're going to love this. As amended, this bill requires the landlord to provide a written notice to the tenant of the date on which the warrant of restitution is scheduled to be executed on at least six days in advance. Notice and localities may amend lower. The notice must provide a statement of the potential for loss of property as outlined in the legislation, and be delivered through sending the notice via first class mail certificate. Blah, blah, blah. The landlord fee may charge a fee not to exceed $5 for expenses that actually occurred. So basically, you have to give them a notice of restitution. So that's not great.
Speaker 1:So we did have a law, though already. We had to send them a letter before we filed right yeah, 10-day notice to file well, so now we have to do a 10-day notice and then, when we get the judgment, we have to do another notice of yeah, before the warrant, yep.
Speaker 2:And then here's one. Uh, this bill allows landlord will only allow the landlord to enter the property between 7 am and 7 pm, monday through Saturday, unless the tenant agrees to another time.
Speaker 4:I don't mind those hours. I mean, I don't think I'm going to come to your property after 7, unless there's an emergency, and I don't see myself being there before 7 am.
Speaker 1:But so it takes a yeah. I mean I guess that doesn't really kill us in any way, but it's still like it's kind of it's our property yeah our rights.
Speaker 3:I mean you should be able to post a 24-hour notice and be able to go. I do have a question about that. So my wife's cousin, little cousin, called her the other day crying and she lives in Long Island, ryan, so this will hit home for you. The landlord she was changing. The landlord walked in after giving her a 24-hour notice but didn't tell her that they were coming. He knocked and then quickly entered, saw she was changing, turned around and walked out and she was, you know, obviously very upset and I was thinking back to it and I was like, well, in maryland do we have to, like, set a time or is it 24-hour? No, it's 24 hours.
Speaker 4:I don't think I mean you. You can, you, you want to. If they're good tenants, you want to give them a good time. If they're just. The only reason you typically post that 24-hour notice is because they're not willing to let you in. Let's say you have a Section 8 tenant who has an annual inspection coming up and they're not responding, or they don you want to try to get into that property. I'll go and post a 24 hour notice and you know, take a picture of a timestamp photo and I'll enter the property. I'll have my guys enter the property. You know, within that that notice timeframe Cause if you sit there and, and you know, wait, if you give somebody and they say, okay, we'll be here, there's no need to give them a 24-hour notice. The 24-hour notice is typically posted to their door, taking a photo proof that you were there, that, just in case they take you to court, you can say, look, I posted a 24-hour notice. My lease says I just have to give them 24-hour notice to enter the property.
Speaker 1:I mean you should like. I always say knock significantly, knock a couple times, try. I always say, you know, knock significantly, knock a couple times, try to call them. If they don't answer the phone, they don't answer the door, then just go in. But I don't know, in that situation I don't know, I don't want to make any judgments.
Speaker 2:Well, here's a big one, and no one should ever, ever, ever, falsify a lead, testing or inspection. But if you do, this creates a $50,000 fine for doing it. So don't do that. Here's another one. This increases Senate Bill 820, increases the maximum amount of a civil criminal fine that may be imposed by a municipality to enforce local laws from 1,000 to 5,000. So if you're violating municipal laws when it comes to landlord-tenant relations or home inspections of that nature, that increases the fine up to $5,000.
Speaker 2:Here's what I talked about earlier access to counsel and evictions. The special fund increases the appropriation of $14 million to fund the legal defense against yourself, and this is something we talked about the last time I was on the show um 2021, I believe it was. We increased uh, we created, we increased the eviction fee from 15 to 55, not me, the general assembly. I voted against it. It because we should not be charging people as much we do anyway. But that balance that $40 balance now goes to a fund to fund the legal defense against landlords. So that $40 difference is your pain. To file for an eviction is now a pain for legal defense against yourself, which is interesting because typically in a typical court matter, if you are exonerated or judge rules in your favor, you get legal fees back, but now you're having to pay more legal fees to defend yourself against legal defense against you.
Speaker 4:And, with that being said, that just kind of makes you want to get an attorney and, in turn, you're going to end up paying even more right. If you 100%, if anyone knows who's following following they know that they have free legal aid. They might say well, it might make you know, be my best interest to for me to get a lawyer to represent me and that's just going to drive the cost of you know more.
Speaker 2:What's happening is non-profits are gobbling up this 14 million dollars and they have people just sitting around in rent court and they see somebody ever represented. They run up, grab and say I going to represent you, walk to the front of the court and now you're in a dogfight and all they're going to do is find different mechanisms to extend the process, which is more money out of your pocket. I believe people have a right to counsel, but the person that is an adversarial should not be funding it. But I do believe in a right to counsel, so that's obviously a challenge. Here's one that's interesting. I'm still trying to fully understand it and I think that's why they made a work group. But there's a push to prevent landlords from using ai, from setting um, uh, rents, rents, because ai is picking up on different data and it's.
Speaker 2:I still don't completely understand what they're trying to do they put together a study bill to try to understand, but apparently some people are using AI to manipulate rents and things of that nature. So it's a study to figure out what's happening and try to address that.
Speaker 1:Well, how can they say are they going to audit our chat gpt accounts, like I mean who?
Speaker 2:knows how they're gonna. Who knows?
Speaker 1:we use chat, we use this for all sorts of stuff to do with investing. I mean, that's how I figured out price per square foot on what this place is going to be worth after we do the refinance and all that stuff.
Speaker 2:It's it goes I mean, it's public record, it's something to and, again, I'm trying to understand the issue more and I think the General Assembly doesn't really understand the issue, which is why they made the bill a study, but they're trying to, from my understanding, prevent landlords from using AI to set rents.
Speaker 3:So I mean Ryan does this down in Florida, you're a property manager for your Airbnb. Airbnb has an automated software, an AI, that will look at you know the current day rates and adjust the day rate you know per the situation.
Speaker 4:That's for short term? Yeah, I haven't seen that. For long term, I mean, you would think that AI would do the same thing that we would do, which is take us much longer, which would be go and find the data online gather that data and figure out what the rent should be in that particular property.
Speaker 2:Well, so this is gonna be a study bill. We'll get the results back to the study and what their recommendations, what their thoughts are. And then this obviously, if I'm ever invited back and we continue this conversation over the next few years, uh, we'll see where this goes.
Speaker 1:Um, yeah, that's I do feel like it's interesting. Ai is like I don't think the legislation and government can keep up with what's happening in that space to begin with, but for them to start putting in like laws in place seems a little bit of like an overreach.
Speaker 2:Well, I mean. I mean, AI definitely needs to be regulated, but the use for small business isn't where we should be going. And why are we picking on landlords when every business out there is using ai for their benefit? Why are we saying, oh well, landlords, they're the bad guys, they can't use ai, when we should be worried about you know ai doing much more terrible and horrible things to people, right? So, yeah, this is where this is where we're going to regulate. Ai in maryland is setting rents?
Speaker 4:yeah, that's the problem. They should regulate them. Increasing taxes then, because we have to get the most rent that we can because of the taxes increasing property taxes, we use AI to figure out how we're not going to raise taxes this year.
Speaker 2:But, like I said, we just raised $3.3 billion in taxes and fees. It's affecting every single Marylander across the board and no matter what people say. You know hear that rhetoric that you know 94 of maryland receive receive a tax break. It's only a 50 tax break on your income tax, but all the other taxes and fees you're paying everywhere are going to outpace that everywhere.
Speaker 1:So no one's getting a net tax decrease in the state of maryland period and why don't, um, why don't the republicans do in the state, do a better job of getting this info out to the public? Why aren't they putting this stuff? We're sitting here, a little podcast.
Speaker 2:We do. We push it out. We do press releases, we've done press conferences during session. We push out on social media. But part of it is the media doesn't cover it in some cases as much as we wish they would.
Speaker 2:Um, some of it's just people aren't paying attention as much and sometimes it's just a matter of like, oh, this is a tax increase. Like, does it affect me? Do I feel it? And we become kind of uh, acclimatized to some of these things. So it's hard to say what individual voter would do. But I know us as a caucus, we push very, very hard against these things. One of the things. So it's hard to say what individual voter would do. But I know us as a caucus, we push very, very hard against these things. One of the things I push very hard against. I mean, I've pushed very hard against many of these things.
Speaker 2:One of the things was in the Budget Reconciliation Act. They removed itemized deductions for those making over $200,000 a year, including companies, and some people say, oh well, they're rich, they don't need itemized deductions. But right, $6.7 billion of charitable donations in the state of Maryland are made by entities and individuals making over $200,000 a year. So we've just de-incentivized $6.7 billion of charity in the state, because what people are going to do? They're going to make those same donations, but they're going to do that out of state. So our nonprofits and I don't care if you're a Republican Democrat, you know green, purple, blue doesn't matter Like everyone has a nonprofit, a cause they care about, and every cause that everybody cares about, no matter your political affiliation or level of political activism in the state. A cause you care about is going to be hurt by this law that we passed Full stop.
Speaker 3:Yeah, we're doing an event tomorrow actually for Alzheimer's. Ryan's a part of it. He's helped raise a lot of money.
Speaker 1:Just kidding, that was on me. I raised a lot of money. I roped this in, I got a thing and I passed it on to Chase, and Chase has done a fantastic job putting it all together, because I probably would have.
Speaker 3:But yeah, I mean so that event I just saw today we raised over like $80,000. That's great, that's great and it's, you know, it's very good cause. But my one question for you was I talked about this on one of the podcasts, about the kid that pointed out that there was not an American flag in his classroom, and I wanted to see, because I saw rumors that in the state of Maryland you have to have an American flag in every classroom in every school. Is that an actual law? I don't know if that's an actual law.
Speaker 2:But what I do know is this kid and Chris Papps, who's covered a number of my bills, uh, this year he covered a lot of the bills I was working on, um, especially around, uh, some of the tragedies we had in harford county with some school violence and sexual assaults and murders and stuff. Uh, in harford county schools. Um, he covered the story and it's a kid who's going to the Marine Corps and he went to, he pointed out and he got suspended by Baltimore County Public Schools. What I do know, according to the reporting, is that they they settled with him in like 10 days right, have you ever heard of a 10 settlement in 10 days? And there's two-year gag order. So he can't talk about the circumstances for two years. So he's not allowed to say anything't talk about the circumstances for two years. So he's not allowed to say anything negative about Baltimore County Public Schools for two years.
Speaker 1:Put it on your calendar, we've got to get him on the podcast in two years, but they settled with him in 10 days.
Speaker 3:Something was wrong there. But he also got trespassed from the Board of Associations.
Speaker 2:Yeah, board of Education. So yeah, he got suspended and yeah it was. It was for trespassing, like absolutely insane right you said he was.
Speaker 4:What grade was he in?
Speaker 2:I think he's a senior and he was going into the military or he's trying, he's, he's, I guess he signed up or is going to go in the marine corps. Um, and we reported was a marine corps hopeful.
Speaker 1:I'm not sure what that means, but like you know so so going back quickly to the republicans and getting more word out there. Like we found out about this story through social media, we are, I wouldn't say, a big podcast, but how many views are we doing? A month? A couple million?
Speaker 1:now, yeah, close to a couple million, so we're doing a couple million views a month now and we're just a little podcast. There are so many avenues for people to get the news out and the this, the word out about these bills, about what's going on, and I feel like our party is not doing the best job, because when I go on facebook, I see governor moore talking all the time and I don't.
Speaker 2:My algorithm should not be showing me that, like as far as what you know, but there's some questions as to any influence social media companies may have in pushing content right, like the one great thing about x is x really it seems to be pretty, you know, non-partisan and delivering content right. But I do see, like on some of the other platforms, it does create an echo chamber and feeds you the information that you want to hear. So there's that. We are the Maryland Republican Party, so we're out number two to one in terms of voter registration. So that's going to affect engagement. Clearly there's some media bias out there. We've seen that as well. I mean that certainly affects our reach.
Speaker 2:Also, funding and the ability to fundraise. When you're a 2-1 Democrat state. We're at number 102-39 in the House and 34-13 in the Senate. We're in a super minority, so a lot of the fundraising dollars go towards the majority party and that would be whether that's not a partisan thing. That's, whoever the party in power is is going to have more of an ability to fundraise, which then allows them to amplify their message, because fundraising is about how do we get our message out through mailers and social media and ad buys and things of that nature. So they have way more of an ability to push that out right.
Speaker 2:Um, and there's apathy, you know, on the republican side of donating in maryland, because we're the super minority and you know how much can we win, how much can we move the needle forward now if, like a larry hogan ran for governor. Well, that would change things, because if larry hogan ran for governor against west Moore, I mean I would think the Maryland governor race would be the most interesting race in America, because you have the former governor, two-term, who's never lost, versus the current governor, one-term, who's never lost, wes Moore, somebody who's starting to rise, who could be the presidential nominee for the Democrats in 28. Larry Hogan, republican star, could be the presidential nominee in 28.
Speaker 4:like it's like how many times can you run for governor?
Speaker 2:so in maryland's interesting, in most chief executive positions like county executive, mayor, governor president, it's two terms total. In maryland it's two consecutive terms. So he ran two consecutive. Takes a term off, he can run again oh, okay, so if larry hogan decided to run again, I mean, you'd see a lot of political dollars pour into the state for a variety of reasons. So if you uh, if that happens, I hope you guys enjoy uh political ads and mailers do you know if that's on his agenda at all to run again?
Speaker 2:I mean, I mean probably, we gotta hope probably spend less and tax less. I would imagine imagine would be all that really matters.
Speaker 3:You got to get Larry Hogan on the podcast, the other thing about social media right is we can have a million views a month, but we don't control who views. What of our viewers could be? California, idaho, like all across the board, versus, like you know, when they're campaigning. If you campaign and you spend marketing like that's marketing dollars you're targeting the state of maryland, so you need funds to be able to do that exact thing.
Speaker 2:Sure, I think that's what mike's saying, is you just got to have more money and that's the thing for and that, and that's certainly a piece of it, um, and it's also what's important to people, right, and sometimes it's social issues, sometimes it's economic issues, uh, but you know, it's uh james carville who ran clinton's campaign. He said it best it's the economy. Stupid, you know. I mean like it's it all comes down to people's pocketbooks. You know, no matter how hundred percent, no matter how people feel about, and that's why I mean that's how trump got in again.
Speaker 2:Right, it had, you know, had nothing to do with him, his personality, his social issues. It was all about what makes me feel like I can be in a better position to feed your family right at the end of the day. That's what it comes down to for most people. Not everybody, um, but for most people, um. And that's why, even in a state that's two to one democrat, with super majorities in the house and senate you know, two of our last four governors were republicans right, so I know you're local and not national, but can we touch on the fact that?
Speaker 1:um, I think it's coming out now that Biden actually was not super coherent.
Speaker 2:The fact that doctors, even MSNBC, said that he had cancer. There's no way this cancer developed after the election. It's too far spread, it's gone too far and you had. I mean, jake tapper is on this book tour blowing them up on you know. Yeah, I saw that today. I mean it's really hard to knowing the facts now as they've been presented. It's really hard to believe that the, the nationally, the democrats, didn't mislead americans on uh biden's health. It's just hard to. I mean, you know, nobody, nobody's health, is scrutinized more internally than the present constant health checks, constant examinations.
Speaker 1:If so there were so many people. That's what that's. My problem is like, how can we believe anything at all when they were able to keep that under wraps so well, when there was no whistleblowers there was nobody that came out. I mean, I guess there probably was, but nobody listened to them. I guess Now we know that for sure. They they covered up a massive. It's a scandal of all scandals, I mean the guy was mentally unfit to.
Speaker 2:The only thing that's going to determine if it happens again is the voters, you know. You know the voters will decide if that's acceptable behavior or not, based upon how they vote in the midterms, right?
Speaker 1:do you think there's any chance of somebody getting in trouble for this, like people getting blown up, um, I mean?
Speaker 2:about it? Did they break laws?
Speaker 1:is the question. That's what I'm, that's I guess that's my question did they break laws by hiding the fact that he was sick I don't know.
Speaker 3:I mean part of me with my like military background thinks that it was like better off that they didn't disclose his health. But the fact is is that they allowed him to run another campaign and didn't disclose it. That's, that's my biggest issue.
Speaker 2:I mean I mean for me, like I want to know as much as possible about the candidate right. You know, I mean um, especially at the presidential level.
Speaker 1:You know, I mean when you do have control of nuclear codes and things of that nature, and um, I mean we're the plant like we're, like a massive player in the planet of, like the whole planet, like it's not just the country we have foreign policy that affects people all over the world.
Speaker 2:I mean that office is the most powerful person on the planet, right, you know, I mean by far and, and, as time goes on, the most powerful person in the history of the world. And, um, this wasn't just like he had a cold or had COVID or something like terminal cancer. And if you have terminal cancer, to the extent he has, they knew he wasn't going to make it through another term. So at some point, who was going to be the person that filled that role? There's no way he'd be healthy, for be shocking if he was healthy for four years, right, um, of a second term, and I saw a doctor on msnbc state that where the cancer is today, there's no way he didn't have it, you know, early in his first term.
Speaker 2:Yeah, that's, that's wild uh so it's republican, democrat, partisan, non-partisan, you know. You know where people vote is going to say whether or not they're okay with it or not, and that's an individual decision. I know how I feel about it, but the voters will decide if they're okay with uh, the democrat party enabling that behavior, which is amazing how they could cover it up for that long.
Speaker 1:That that's what makes me go back to aliens. I think aliens are real and I think they've been covered.
Speaker 2:I mean I mean, who knows about that? But I mean, but when you get into a certain level, yeah right, like, and the stakes are high and you're, you know somebody who's ambitious, who wants to move with a political career, you know, you know you're going to play the game to not be on the outside because once you're in the outside like for me in my political career, like I'm a delegate now the second, I'm out of politics. No, all the people that approach me and lobby me and ask me questions and want my help of things vanish. I've seen over and over again. I've seen very prominent political figures. The second they're out of office. Poof, you know, I mean because you don't have a vote, you don't have a say anymore, right, and it becomes very transactional and it's, you know, and it makes friendships. You have lifelong friendships, but in terms of people needing you or needing to lobby you or ask you questions or you know a lot of that just kind of goes away.
Speaker 2:The second you're out of office. So a lot of people and for, like me, being a politician is not my identity, right, you know it's something I do, I'm honored to do. It means a big deal to me, you know. You know it's. It is the honor of a lifetime to do it. But whenever this goes away, it goes away, and I'm going to be at peace with it. Whether I decide to or my voters decide, I'm no longer representing them. When this goes away, it goes away. But for some people, it is their life, it's our identity, it's their ambition, it's all they fight for. You see, you know, people go for these jobs, sometimes recklessly and so.
Speaker 1:So now we could talk about fundraising for you. Oh no, I'm talking about fundraising, Whatever I mean. We should, because I think there's importance in getting the word out there for people that want to fight against these laws that you're fighting against for us, Not even just for real estate investors, just for regular everyday citizens. So I guess my question is if we don't vote, I can't vote for you, right, Because it's just people in your district. But if you get voted out, does that mean that a Democrat is in your place or just a different Republican?
Speaker 2:Probably a different Republican. My district's pretty heavy conservative, which makes my life easy in some ways because I'm able to. I feel like my core values are aligned with my voters so I can just be myself and do my thing, which is great. But the one thing good about my constituency and having somebody with some experience some time down there is I do have the relationships down there. I'm able to get bills passed.
Speaker 2:I'm able to kill some of the bills my constituents may not like, because it's about relationships and credibility and I felt like I've built that amongst my colleagues, not only the Republican side but on the Democrat side too. So when I tell folks down there, hey, this is really really bad, it's not just me, you know, trying to get a gotcha. It's like I have a legitimate concern about this and it takes time to build that up and to build some seniority in some of those relationships. So I'm able to get some things done for my constituents, you know, financially in the community, I'm able to get some things done for them legislatively, for my conservative values, for my constituents' conservative values, but also things just practically that are better for the state, and you can only do that through relationships and time.
Speaker 1:Do you have any aspirations? I know I asked you this before to do anything further than the Delicate. I mean, who knows?
Speaker 2:I'm going to run for re-election in 26, you know, and then we'll see how things play out from there. I mean, you know and it's, would I like to see where this would go. Sure, but first and foremost, it's doing the job that's in front of me and at the end of the day, you know, it's up to what my constituents want. You know it's not, it really isn't about me. You know I have to do a great job, but it really is about the voters.
Speaker 1:Yeah, at the end of the day. Right now you're not doing like. You just are working three months out of the year. What are you doing on the off time?
Speaker 2:So I mean I have my job where I'm director of business development for Albers Associates law firm and then mid-laying title, and then three months of the year I'm in legislative session.
Speaker 2:So it's about like 80%, 20%, 80% I'm doing my legislative role and then 20% doing my regular job. Like anytime I find spare time I'm doing my day job. You know, and people forget about that, like we, we work regular jobs, most of us and then now it kind of switches where I'm doing about 20 of my political job, which is and I have a chief of staff it handles a lot of my constituent services, things at the ground for my constituents. But I'm still involved in things that need to rise to my level, you know, uh, meeting with community members, meeting with community groups, uh, um, visiting like the farms in my district and just making sure my constituents are taken care of. But at the end of the day, you know, uh, it's very hard to make a living just being a legislator, so I have to have a job in addition to that don't take this the wrong way, but there's, but there's normal people in our legislation making economic decisions for Maryland with no economic backgrounds.
Speaker 2:I mean I would just suggest, if you have any questions about that, look at the individual's resume.
Speaker 3:But as somebody who's ran companies and um, yeah, I'm not, I'm not saying you but I'm just, I can only speak for myself, right, right, right, you know I mean that just blows my mind is like there's probably doctors or nurses or whoever they come from, all different types of backgrounds, but they're making economic decisions for the state of maryland without an actual degree in economics or anything of that nature I had this problem with the school system when I was a teacher.
Speaker 1:We had um like a principal who was maybe a math major, maybe a history major, maybe an english major, whatever. Um was in charge of these massive budgets. Like I was at a charter school for enrola county public schools and she was in charge of like 10 million dollars. Like this lady has no and and the laws are so messed up where you have to spend the money or you lose it the next year.
Speaker 1:So they were just spending ways spending finding ways to spend it, and they would come come out with these meetings like oh we're we're spending fifty thousand dollars in this new curriculum because we have to spend it or we'll lose it in the budget next year. What? How do we fix that?
Speaker 2:I mean it's. It's our system's broken that way. Um, I mean that that's that's certainly broken, that you have to spend the money. Like I have a budget for my office and I never feel compelled to spend every dime in my office.
Speaker 1:Like we should be able to like if. If you get a 10 million dollar budget and you can invest it in a whatever index fund, something safe, and not spend it, wouldn't that be like beneficial?
Speaker 2:I mean well, I mean like for me, like, and I can talk. I can only talk about my priorities, I. I can't talk about different voters. Right, for me, and anybody who desires to run for office should run for office. Right, we need more people involved in the process. For me. I'm going to want especially the number one thing we deal with in Maryland is crime issues and economic issues. Right, and we have a $67 billion budget. I'm going to vote for somebody. I'm not going to vote for somebody who lives at home with their mom. Right, I'm going to vote for somebody that you know has economic experience, maybe ran a company, you know somebody who's signed the front of a paycheck and not always the back of a paycheck, somebody with the skin of the game and somebody that understands what it means to make a buck, or somebody, skin of the game, um, and somebody that understands what it means to make a buck, also by who knows what it's like to lose a buck. Right, and especially, and and the impacts of the decisions that governor makes on on economic development.
Speaker 2:One of our biggest issues here is we're too dependent on federal government. Right, like, and and this is part of the conversation happening in annapolis right now. Well, all these things are happening in m All these deficits and shortfalls are tied to Trump. Yada, yada, yada. Well, maybe a little bit, but our deficit before Trump even got into office was $2.7 billion coming into this year, after losing a $5 billion surplus, and then it rose to $3.3.3, partly due to inflation, maybe because some of the decisions come out of DC. But Virginia, just to our south, who is impacted in the exact same manner as decisions in the federal level, not just has a surplus, they're giving tax cuts. So how's Virginia able to do it and navigate decisions coming out of Washington? But for us it's completely crippling.
Speaker 1:Yeah, doesn't make sense, doesn't make much sense. Well, I think we have to let Chase ramble about cold plunge real quick before we close this out Mike, have you ever done a cold plunge?
Speaker 2:I have done a cold. I have done a cold plunge and the only thing I can't figure out about getting it right is my. My body's cold, but my feet are freezing. It's like my feet. That can't take it. If I could find a way to keep my feet warm and the rest of me, because my, the rest of my body is feeling the experience the cold plunge, yeah, but my feet are like about to fall off, yeah.
Speaker 3:So if I could find a way to keep my feet warm and get the same experience, I would do it more often so me and ryan have a mutual friend down in florida and we went and stayed with them and we did the cold plunge for the first time with them and, um, they talked us through sitting in the the plunge and like helped us breathing, breathe, yeah it's, it's a lot, it's, it's more mental right. And then, like you know, for your feet, the thing is like you rub your feet together to try to like warm them up. But I'm with you. I can't do my wrists as soon as my wrists go in the water. It's like the excruciating pain, yeah everything with my feet.
Speaker 2:I mean it's it, it sucks and when you get out you feel like a million bucks.
Speaker 3:Oh my god, for my feet it was like so I don't believe in like the big self-help thing or like I do believe in self-help but like not like the blue pills and all that stuff, but like the first time I got in there and got out I felt like my legs just were reset and we just had run like three miles or something, um, and I felt like I just had a brand new set of legs. So we're in chattanooga ryan's talking about buying a bike. I'm obviously talking about buying a bike. My wife looks over and she said you're not buying a bike until you buy my cold plunge. So I'm like, okay, well, what cold plunge do you want? She says plunge. Um, it's like an established company they have like the actual big tub. It's like 73 inches long and does it come with a little device that cools water?
Speaker 3:yes it comes with the chiller. This is a six thousand dollar unit, um, and it, it. It's the one that we tested down in Florida. It's a great unit, um, so I'm like all right, cool. So I order it in the car with Ryan. Ryan gets a little salty. He wanted to buy one too. Um, I get the unit on Wednesday after we get back open it up and I'm looking inside and the chiller is like dirty. It's got scratches all over it. There's fingerprints. I immediately sent it in our group chat and I'm like I think plunge sent me a used unit.
Speaker 1:Well, let's back up and say first, chase haggled with them. So that's what happened, I think he haggled with them and said I'm not, not ready to buy it, can you give me a discount? And they were like yeah, I'll give you a discount, let's send you a used. Joe, you offered me the $500 discount.
Speaker 3:The sales rep texted me. He said what else can I do to make this more appealing? I was like, well, I didn't want to spend whatever $5,800. I was like I'd like to be at 54. He, I was like I'd like to be at 54. He's like, oh, I got a $500 off. I'm like, all right, cool, put it in, we get military discount. I put in the military discount. Cool, we're good. So it's under 54.
Speaker 3:I get my unit. Still a lot of freaking money. It's $5,400 for a tub and a chiller is an extraordinary. There's 100 different cold plunge brands out there. You different cold plunge brands out there. You can buy an inflatable one, you can DIY one with an ice freezer chest. You can do one with Yetis now.
Speaker 3:So I buy this expensive unit. It's the one my wife wants. We get it on a Wednesday. I had to wait eight hours because they give you a time frame from 9 to 4 pm. So you sit around, you're not working, you're waiting on them to show up and they finally deliver it and I'm getting a fucking used unit. I message Cold Plunge the first day. Ask them hey, like I'm going to send you pictures, can you guys send me a new unit. It takes them six days and me blowing them up on Instagram and following the director of sports on LinkedIn, for for me just to get a call back, and so they finally called me back in. The best they they could offer me was hey, we'll give you a new chiller and a three year extended warranty for a dollar Send my man his money back.
Speaker 1:So I just all I see is in our group chat with our YouTube, the guy that runs our YouTube channel and our social media stuff, and Chase is like send me stats of how many views we've had. And this man just posted on social media and one of, I guess, the company that screwed me, poseidon Marine, that I got like 2 million views on one video in one day and it was me blasting this company that basically robbed me and I could be soon in a legal dispute with them. And Chase is like send me the stats so I can send it to Cold Plunge. So now Cold Plunge is the next company on the chopping block here, so I just don't.
Speaker 2:So you're saying that I got to make sure that all of the deals I do for you guys in title.
Speaker 3:Time need to be good, because you'll destroy them. Just have good customer service. That's it.
Speaker 2:No, our best customer service. I'm going to deliver pizzas to your house.
Speaker 4:Yes, I'm going to text you my address.
Speaker 1:Mike was texting me on Memorial Day with business stuff and I appreciate that.
Speaker 3:Listen, just like a text, an email Did you call the rep.
Speaker 4:I mean what happened with that guy, oh my God. You call support you go through the automated. Well, no, don't you say you're in touch with the sales rep guy?
Speaker 3:No, you don't, you can't, it's a robot thing, oh, okay.
Speaker 4:Is that the person who said that you can get $500 off, or whatever?
Speaker 3:I mean, like I said, in the morning, late night, now, oh yeah, yeah I mean, but it's so simple, right? And this is what I told the lady when I finally talked to her on Monday after six days of not hearing from Cold Plunge Absolutely ridiculous, like we called them every day from Wednesday to Friday. I get on the weekends, you don't work whatever, but it took me blowing you up on Instagram, following the director of support on linkedin, just to get a fucking call back what I love is, whenever you mention them, you look at the camera.
Speaker 2:You're in their soul like and cold plunge yeah, but it's not cold punches, it's plunge yes and just call this guy right and so well.
Speaker 3:They finally did and they offered me a new unit or three-year warranty for a dollar. So you're still gonna make me pay a dollar for the three-year bullshit warranty, when it took you six days to get in touch with me about your used unit. Why do you think I want a three-year warranty with you? It just it didn't make sense. So I was like, all right, just return me the money. And I went and right, we found one that iron man sponsors and I bought it from them, orca. So so I mean, at the end of the day, I'm a real estate agent.
Speaker 3:I own a couple of businesses, ryan owns a couple of businesses, nick does stuff himself. Like customer service is at the forefront of everything you do. Just be responsive. You don't have to have a solution right away, but just say, hey, we're looking into this, we'll give you a call within 24 hours and then do what the fuck you say you're going do. Don't keep telling us wednesday through friday that you're gonna call us and never call us back, and we have to call you every day and then I have to blow you up on social media. Just doesn't make sense.
Speaker 4:Too much time wasted.
Speaker 2:Do the right thing yeah, you've been waiting to get that off your chest for oh my god, it's so hot man.
Speaker 1:It's just like what's really funny is what also drives these views um to like crazy viral numbers is the comments usually blasting us.
Speaker 2:So, like I had, I didn't even I never even read the comments about our first conversation. I got blew up. I got blown up no, I don't.
Speaker 1:I had to stop reading the comments. I need to go back and watch it. But let's go read the comments. I I complained about a card, a story about a car dealership. I was buying three cars and they, they basically screwed me over. And I was, I was there and these people were. That was the first one, or that was the first one that went viral second.
Speaker 1:Second one about this. So first one was the boat. Oh yeah, the boat thing people are calling me out for like just commenting the worst things about me ever, like they don't even know, they didn't even listen to the story, they just started, heard a one minute clip and they are roasting me, calling me a rich cuck, calling me all these things like and, but that's what's driving the viewership up so much, because so many people are commenting, and then people are coming and defending me and then they're fighting with each other in the comments.
Speaker 2:Well one, no one's ever, ever going to call me a rich anything, so you know so know. So I'm, I'm okay there.
Speaker 3:Well, I think I think most people can relate to like. I'm not complaining about buying three cars. I'm complaining about spending $6,500 at like a premium level of service that you think you're going to get because you're spending more money when there's a hundred different manufacturers you could go with and not know if you're going to get the same quality of service.
Speaker 2:Give me $6,500 and I'll make sure your bathtub is full of ice Every morning $6,500.
Speaker 1:Hey, that's not a bad deal.
Speaker 2:Let's get the personalized touch yeah that is yeah, Now I um, I'll put some cucumbers in there for you.
Speaker 1:I said, chase, is that plunge going to make you Faster on the bike, like this new bike would? And Can't defend that. So now he's got to buy a bike and a cold plunge.
Speaker 3:Yeah, it's rough, but I'm spending half the money now, so I'm only spending $2500 on a cold plunge Versus $6000 on a cold plunge.
Speaker 1:So stay tuned to see if Orca Screws over Chase Kinzer or becomes the latest a cold plunge versus six grand on a cold plunge. So stay tuned to see if orca screws over chase kinser or becomes the latest sponsor or becomes the latest sponsor next sponsor.
Speaker 3:They do sponsor ironman.
Speaker 1:Yeah, you're ironman and everyday millionaire podcast and real estate, yeah, I we need to start implementing more triathlon talk in here, so then ironman and quintana root can start sending us money, because I'm spending way too much money.
Speaker 3:These races are thousands of dollars every time we go to one, so whatever love we can get online from these people, yeah, my wife already said that I've spent more than her engagement ring was worth, that I have to upgrade her engagement ring and I was like dang, that's rough.
Speaker 2:Just the bike alone, just to spend six to twelve hours suffering and you hear the next line is that bike worth more than your love for?
Speaker 3:me? Yeah, it's rough, and what's the and don't my answer is.
Speaker 4:You can't put a price on your not, you can't put a price on your health? You can't put a price on your head to be around for you yeah so or on your alimony.
Speaker 1:My yes, it's definitely cheaper to buy the bike and the cold plunge and a new ring yeah, the new ring might be cheaper.
Speaker 2:Yeah, yeah, for sure, yeah well, mike.
Speaker 1:Thank you so much for coming on. We'll wrap it up here um july 31st addresses again 95, 15 deer, co-road and timonium, and six to nine.
Speaker 2:Six to nine we'll be we got music, we got food, we got drink. It'll be a good time. Yep, you know, midland.
Speaker 1:Title all free associates law yeah, thank you for uh hosting ross and mike. Um, we look forward to it, and until next time, guys.
