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Bill Fairman (00:02):
Hi, Scott always tells me that we're going live, but I don't really know if I am. All right. All right, folks. You want to know how to find off market deals when everyone else is paying top dollar because the market keeps going up?
Wendy Sweet (00:18):
Yes.
Bill Fairman (00:18):
You want to know how to find lenders that will end these to you? Well, stay with us. We're going to help you out. I don't know. Did I not speak English?
Wendy Sweet (00:37):
It was a little off.
Bill Fairman (00:37):
Hi folks. Thank you and welcome to the Passive Income, Active Wealth show. I am Bill Fairman, my sister, Wendy Sweet and Jonathan Davis. You can probably figure out which one is which.
Wendy Sweet (00:51):
Maybe not.
Bill Fairman (00:53):
We are Carolina Capital Management. We make loans to real estate investors. Our website is CarolinaHardMoney.com. If you're an investor looking for passive income, then go to the investor tab. If you're a borrower, click on our apply now button. Once again, don't forget.
Jonathan Davis (01:15):
What's the name of our show, again?
Bill Fairman (01:16):
Passive Income, Active Wealth.
Wendy Sweet (01:19):
He's trying to throw you off.
Bill Fairman (01:19):
Are you sure?
Bill Fairman (01:19):
Did he change it?
Wendy Sweet (01:21):
No, he's just,
Jonathan Davis (01:24):
It's Active Income, Passive Wealth. You said Passive Income,
Bill Fairman (01:24):
Whatever. Alright. We reached tens of people so I'll correct it later. So let me add, okay. Follow us. Don't forget to subscribes, share, like, ring the bell, all that kind of stuff. We do have a comment section on the side or on the bottom, depending on the platform that you're watching and don't hesitate to ask any questions. We have a wonderful group of guests. It's not really a group, it's two people.
Wendy Sweet (02:04):
Well that's more than one.
Bill Fairman (02:04):
They're married so they can be a group because they have a family.
Wendy Sweet (02:10):
And we haven't drank anything today.
Jonathan Davis (02:15):
What's in her, yeah.
Wendy Sweet (02:15):
I have to have a fruit, fruit, coffee. See my cup? It says it's good to be-
Jonathan Davis (02:17):
But seriously, we are professionals for most, sometimes.
Bill Fairman (02:19):
For those who don't know, we,
Wendy Sweet (02:22):
Are crazy.
Bill Fairman (02:24):
No, we purchased a new office space and we have been moving into it for the last three weeks.
Wendy Sweet (02:31):
And this is our first time to come from the studio.
Bill Fairman (02:36):
Yeah. We're broadcasting out of this professional studio that isn't finished yet and we just we're just tongue tied because we were so worn out from putting those together.
Wendy Sweet (02:47):
Why'd you come out we? I'm good!
Bill Fairman (02:47):
Okay I'm just tongue tide. The rest of them are just giving me fits. All right. So without further ado,
Wendy Sweet (02:52):
Ado, ado!
Bill Fairman (02:52):
Amber and Glen Schworm short of investor pro or vest pro I'm sorry. Vestro Pro. Good Lord! I can't speak.
Wendy Sweet (03:01):
Let them tell them who we are
Bill Fairman (03:04):
Thank you guys for being on our show. I'm so sorry about the way this is starting off. This is what I love about live cam too.
Glenn Schworm (03:16):
I'm nervous cause we're in front of tens of people. I was laughing because [inaudible] of that.
Amber Schworm (03:18):
No pressure.
Glenn Schworm (03:18):
It's funny. Oh man, that was good.
Bill Fairman (03:27):
The good news is 12 of people will follow us after I said that because it will be permanent.
Wendy Sweet (03:30):
[Inaudible].
Glenn Schworm (03:30):
Oh Lord
Bill Fairman (03:42):
Before we got started, we were talking about the weather in the Northeast. You guys got like three feet of snow, so thank you so much for, I'm glad your power is on so we can actually do this.
Wendy Sweet (03:51):
That's for sure.
Glenn Schworm (03:53):
Yeah, we're in our master bedroom right now. We're not to leave. Not make it to the office today. So we'll do our best to make sure our children don't come screaming at the door but I can't promise that won't happen.
Wendy Sweet (04:07):
Well, we did say it would be a group, so it's okay.
Amber Schworm (04:08):
It might get a little [Inaudible]
Bill Fairman (04:14):
That is part of real life. You know, we moved into this brand new building and well, it's not a brand new building. It's new for us. They decided to dig up the street right next to this window where we're here. Anyway, so sorry about the construction noise as well.
Wendy Sweet (04:33):
It was feeling like an earthquake a little earlier today, you can feel the whole building, shaking.
Glenn Schworm (04:40):
You're talking about living in a 3 feet of snow all day. So we don't really feel too bad for you.
Amber Schworm (04:46):
[Inaudible].
Bill Fairman (04:46):
I hear you. So give me kind of a 30,000 foot view of how you guys got started in the real estate business, if you don't mind.
Amber Schworm (04:55):
Out of desperation,
Glenn Schworm (05:00):
Yeah. We were, you know, $80,000 in credit card debt and this was back in 2007. We were both going through divorces from our spouses and we were friends for a few years before that, but we end up connecting and decided to do our first flip. And you know, literally 2007, when in 2008, when the housing crisis happened, I always say, it's not, it wasn't just a financial crisis. It was a housing crisis that happened. So we were doing, and we flipped our first house back then and everybody said, you shouldn't do this, you shouldn't do this. Real estate. It's bad, it's bad ang people will often look back and say, you know, we've done over 700 houses now and so in counting and our company does about a hundred deals a year and they're like, wait, you were smart. You knew right. When you picked your moment, I'm like, pick my moment? We were desperate and lucky, but we were working during that. When everybody said, you know, don't do what we did. So we get one house first year three, next year, then seven, then 20. And you know, the business has grown there. And then, you know, it would be doing that for well, 13 years now and done about 700 houses. We wholesale houses, we do full on flips, we have a pretty decent size of rental portfolio, about 50 properties. We give about a, well now it'll be about 11 Airbnbs that we're running ones across the street, totally snowed in. , so the problem we're having today, but so, you know, that's, that's what we do now. We started about four years ago, we opened a company called Vesture Pro you know, I liked how you butchered the name Bill, thank you. But it was, but that's okay because really the name we're we're most known for around the country is the Home Flipping Workshop and we started that where we would travel to cities and we would, you know, find a group of people that help and we would do a three-day workshop and people would enroll to work with us and so we would really help them. We have a really high success rate of students who are successful. Now, the cool part is we thought we were going to be out of business when COVID hit, because literally we live in New York and so everything is just, this is shut down Capitol and this California, right? And they, we, when they said that live workshops were done, we were like, well, we're done. Like, I didn't know what to do. And we spent what two months licking our wounds and saying, do we shut down, what are we gonna do? You know? And so we had to figure it out. And all of a sudden I cut this little ad one day about doing a virtual seminar. And I said, who the hell is going to go to a virtual seminar?
Amber Schworm (07:28):
3 day.
Glenn Schworm (07:28):
3 day. Going to sit down with zoom in a webinar for three? Gimme a break. And then I, with summer we separate pole and I was sitting there having a conversation. I said, let's think about it. You know, let's ask ourselves, is it possible? And so one thought led to another thought was another thought and now we're doing virtual workshops. We're averaging one a month right now. We're going to step it up, but we've done five of them. We have hundreds of people that come on and listen from all over the country. Actually, we have people that come from the world too, mostly from the US but every now and again, we have a Germany or England or something that pops in and we've been able to impact our businesses, went national overnight, and we are thrilled. We're excited and it's been, an unexpected surprise of 2020. I guess I'd say that
Amber Schworm (08:15):
We were kind of worried about the connection we would have with people over zoom. And, you know, cause when we're in a live setting, we're able to really, you know, talk to people and help them strategize and get to know them and it's not that different on zoom. It's been really, really good and we've found a lot of waste, a lot of ways to make it really interactive and enjoyable and people are just like eating it up with a spoon and I think that, you know, COVID has really given people two different things. You know, some people are just out of work completely And so they're looking for alternatives and real estate is where it's at and then other people may not be out of work, but it's given them a time to kind of pause and really decide what's important in their life. And even if they have job, do they really want to go back to it, you know, or do they want something different in their life? So the virtual workshop has been just amazing.
Glenn Schworm (09:03):
The last thing I want to say before, I go if you have questions for us, but for me, when I started this company, I realized that other seminar companies had people on the road and all that kind of stuff and when I had a good friend of mine that was said, listen, he said, I make great money, but I never see my family. He's like, I'm out 45 weeks a year and whatever on the road and I'm home two days a week. Tuesday, Wednesday, that's my weekend. And I said, you know, my dream is to build a company where you can make great money, help a lot of people and have a life. And so I said, and now never dreaming, we'd be here where we do a workshop and we're all in our own beds at night because I had my teams in Florida and California and in Austin or San Antonio and Utah and they're all on virtually and we're all killing it and doing a great job and it's like, we all get to go home to our families at night and so that's been rewarding for us know, we're building a team. I didn't, I always hate it when people went to a workshop, people say, you can have a life of your dreams. And by the way, I haven't seen my family for seven weeks. [Inaudible], right?
Bill Fairman (10:06):
Maybe that is the life of his dreams,
Schworm (10:13):
I guess it depends.
Bill Fairman (10:17):
It's amazing what zoom has done with their update. You know, you can actually put people in separate rooms where you can put smaller groups together. You can do exercises with say eight people at a time. You can have lunch together,
Jonathan Davis (10:38):
Drinks.
Bill Fairman (10:38):
Happy hours, all kinds of stuff. It's pretty cool. Well, I say that, but I still say that the live is to me is the best.
Wendy Sweet (10:52):
Yeah. Belly to belly.
Bill Fairman (10:52):
For relationship building, but we're all involved in a couple of different mastermind groups and they've been doing hybrid. So the people that want to come can come and the people that want to do it from home can do it then too and it works out pretty well for the people that are doing the broadcast, but not necessarily for the people that are in the audience.
Glenn Schworm (11:15):
Well, I would challenge that thought. And then the reason I say it is because I thought the same thing we'd done now, we had over a thousand people in our groups and we're doing happy hours and work we're bonding with you. I feel a very strong connection to our people because we're doing the zoom calls and I just did a presentation at one of my masterminds. And I just, my presentation was on how to build a virtual culture. I said, you may not need to know what state you're in but my our flipping company called signature home buyers, that company had to go virtual. So there's 15 or 12 people that had to work from home all of a sudden and we started hiring people virtually over zoom. So I never met them face-to-face is so not like me. I'm a belly to belly guy. I hired employees. My team hired employees. Then we had a pool party this year. They came to our house. When I met this one particular guy, Connor face-to-face it didn't feel hardly any different. It took me about a few seconds to go, Oh yeah, you're the same guy I see every day because I was so used to see them in Zoom. One thing we didn't have was the smell and the touch. Every other sense was pretty much the hair. Not that I'm touching my people, but it's just, [Inaudible].
Amber Schworm (12:31):
[Inaudible].
Glenn Schworm (12:31):
It was weird. It was like all of a sudden I realized it. So I've met a lot of people that I'd meet on zoom. Then I meet them face to face and after I've had 10 conversations with you over zoom, it's not that different. It's not exact but it's premium call.
Amber Schworm (12:43):
Yeah, the other thing is, you know, you always hear that expression, Oh, it's a small world like if you run into somebody you know but zoom has made it even smaller world because like, for us, where there are real estate companies, they get your home buyers, being virtual has opened up the talent pool because only pick people, you know, only hire people that were right here in our local area. But with the way that zoom is and the way virtual is going, we're opened up to the whole US and we're just finding some really rockstar people to join our team, which is also really, really awesome.
Glenn Schworm (13:14):
For us that's been a big change, but for us, we wanted to have a mobile business. We wanted to be able to know, ironically, our goal is to live on the ocean in Florida and I think today pretty much summarizes why .
Amber Schworm (13:28):
After spending 45 minutes getting my five-year-old and seven year olds in there ski and there's no stuff and then he walks in, he's like, hey you guys ready to go?
Glenn Schworm (13:33):
It was a lot of fun stuff.
Bill Fairman (13:40):
Listen, I don't disagree with you on your zoom comments and I don't disagree with you on your Florida dreams either.
Jonathan Davis (13:52):
He share them.
Wendy Sweet (13:52):
Yes, he shares them.
Bill Fairman (13:52):
I'm ready to go down there with all the other retirees. So I can wear those glasses that go all the way in the back of your head.
Glenn Schworm (13:59):
I'm gonna buy some white pants and white shoes and be done with it.
Wendy Sweet (14:01):
So I'm interested in getting a little more information about what you mean when you say you're looking for people that are on your team. Can you give us a kind of a day in the life of what a deal looks like for you and what your teams are like, tell us a little bit about that.
Glenn Schworm (14:21):
So what teams do you wanna talk about? The home buying team?
Wendy Sweet (14:25):
That's a good question.
Bill Fairman (14:26):
Sure. Yeah, the acquisitions ad.
Wendy Sweet (14:26):
I want to hear about all of your teams. What are you doing? What are you doing?
Glenn Schworm (14:30):
So.
Wendy Sweet (14:30):
Oh, not much.
Glenn Schworm (14:30):
Yeah. we run five companies but not much. Five companies, five kids. My granddaughter's across the street right now from Arizona here. Crazy. Yes so nothing going on, really. We, one thing that's happened to us this year, I'll kind of describe our team overview. We have hired company called Sharper Process, which has been amazing. I would highly recommend them to anybody. They kind of specialize in, they help businesses become a real business, if that makes sense. So reliant on the owner and by taking, without getting too much in the weeds here, they do a lot of personality tests and I'm what's called a visionary. So I might PII test. I'm a visionary. I mean, I'm a big picture thinker. I hate details and I've always known that, like I took a test and went well, no kidding, man knew that.
Amber Schworm (15:20):
Squirrel.
Glenn Schworm (15:20):
Yeah, that would be like, new idea. New idea? New idea? New idea? New idea.
Bill Fairman (15:20):
Sound familiar?
Wendy Sweet (15:28):
Yeah.
Glenn Schworm (15:31):
What I've found is there's a book you can read called. What the heck is EOS? That stands for Entrepreneurial operating system. If anybody's heard of that and for the tens of people that are watching. So there's an operating system, so it's a great book and it talks about having a visionary integrator. So now all of our companies are starting to get integrated. So our two main companies, we have integrators. So the integrator for my, for our signature homebuyers or flipping business runs the day-to-day operation. So I really, over the past year, I'm stepping more and more out of the day-to-day operations of that business and so Spencer Thomas was my integrator and, and he does all virtual, which is cool. So we have an acquisitions team, we do a lot of marketing, you know, we probably spend upwards of 30 to $40,000 a month in marketing. We do a lot of TV commercials and stuff like this then right editing, I think we do some radio stuff, but of direct mail, that kind of stuff. So we're looking for off market deals and then those people will call in our home buying specialist will then, you know, have a phone call with them, see if it's a viable deal, make them an offer. If that, if it looks like, there's a possibility, we send out one of our property inspectors to just, you know, someone takes pictures of the house and whatnot. So we do have to have boots on the ground, the house and take pictures of that kind of stuff, come back and we decide what our game plan is going to be. We're going to wholesale to other investors. Are we going to flip it ourselves? And it turned to a rental Airbnb, you know what we're gonna do with it and then we make that decision. And then we go from there that our team take over, right? So Amber is involved, amber loves a design part. She's an amazing,
Amber Schworm (17:03):
Yeah, he's trying to get me out of that several times, but that's my favorite part. So I don't really want to get out of that. But in the beginning, you know, we definitely were all at the hats and since our business has grown to the size, it is now we've got the Dell getting to delegate all of those responsibilities and you know, it started out with Signature Home Buyers and then we've added these other companies that are really, um, or kind of organic growth and they're all very symbiotic companies. So we started out with Signature Home Buyers. Did we have the broker?
Glenn Schworm (17:27):
I don't know, I think so.
Amber Schworm (17:27):
And then we did open a brokers just as it made sense to sell our own properties. We have a local real estate networking group here that's about to go national as a matter of fact, and Investor Pro and then a holding company with all of our real estate transactions but they all kind of work together and help each other. So that's a really cool.
Glenn Schworm (17:47):
Disorganized chaos. A lot of times in our world, kind of what that boils down to, but having the integrators makes a big difference and then I see them before we have a project manager and they'll take over the project, whatever, needs to be done in the project. And then we have our inside brokers that will sell that deal. And on the next one, so we're, you know, like I said, we will do, I think we'll do North of a hundred deals this year. Individual deals, not some people say they did a hundred transactions when they buy and sell it's 100 actual houses that went through our books. That's just in the capital region of New York, just in the upstate New York area. That's the only market we're currently in because we're virtual, we're looking to expand which we're excited about.
Bill Fairman (18:23):
Sure. And so I'm assuming your, excuse me, whatever the deal calls for, that's where you're sending it to, right?
Wendy Sweet (18:34):
So you're deal architect. Why am I blinking above my head? It says battery-
Glenn Schworm (18:39):
It was like, it was like, somebody's, battery's getting low.
Bill Fairman (18:42):
Perfect. So we better hurry.
Glenn Schworm (18:50):
Well thanks for coming, we appreciate you, Glenn.
Wendy Sweet (18:50):
You're a deal architect and that's what makes the difference is you're figuring out what it wants to be when it grows up. That's really, really great. And we love EOS. We started EOS four, five years ago. It changed everything for us.
Glenn Schworm (19:04):
Totally,
Wendy Sweet (19:05):
Absolutely changed everything for us. We highly highly promote it. Yeah.
Bill Fairman (19:10):
And before we run out of power, which is, I should have changed the battery before we started as well.
Wendy Sweet (19:15):
You could do it now.
Bill Fairman (19:15):
Good Lord. If I changed the battery, it's ends the broadcast.
Wendy Sweet (19:19):
Oh, sorry. The ultimate professionals
Glenn Schworm (19:31):
The tens of people are disappointed
Bill Fairman (19:31):
I wanna make sure that people get your information on, you know, How to get into your coaching. So Scott, if you don't mind, if you'll put their website up. But I want to talk about finding funding. There's a lot of people that want to do this. They're looking for private lenders. Do you have any tips you'd like to share on how to find private lenders? You can still hear me, right?
Glenn Schworm (19:56):
I can hear you.
Wendy Sweet (19:59):
We're just going to be, I'm going to be green, I'll be green. Jonathan. You would be blue.
Jonathan Davis (20:08):
I'm going to choose white.
Glenn Schworm (20:09):
[Inaudible]
Bill Fairman (20:20):
Some tips on finding private lenders.
Jonathan Davis (20:21):
Yeah. Some tips on how one can identify private lenders and basically, you know, get the money for their deal, most of it or all of it.
Glenn Schworm (20:32):
Okay. So I would say, you're asking about how to find the money that's what you guys are saying? So what we teach at our workshops, we spend a good portion of one of the days. I see Friday afternoon, we have a good portion of the days that we talk about all the ways that we fund our deals and they are anywhere from, you know, people, ones that require credit, the ones that don't require credit, right? There's creative financing, there's subject to financing. There's the owner financing and then of course, you've got your hard money lenders and private lenders. What we have personally done with our businesses, we weren't about $5 million in private lender funds. And this is what we just have always done. We started out many years ago when the banking industry. Remember, we started in '07. The first two loans, first two houses were with a bank loan and credit cards to fund the deals. That's how we did the deal. And then the, all those programs went away. Right? All that stuff went away and they said, Oh yeah, by the way, there's no more, no income verification loans, all the, as you probably remember, if you're in the market back then everything got ripped away and so we had to punch. I mean, literally we were like, we had two houses under contract and I'm like, Elton Emerson. Well, what do we do now? We don't have any money to do these houses. We can't, I don't, we're out of money. And then one thing led to another and we figured out how to do private lending and we sit on a bunch of packets to our family and friends. Actually, it started out with a friend of ours and she did, she said, Oh, I wish you could invest. I don't have any money.
Amber Schworm (21:57):
She had a really nice house.
Glenn Schworm (21:59):
You have a nice house though. And I said, do you have any equity in that house? She goes, Oh yeah, I think a couple hundred thousand. I said, do you have a line of credit? I think so I go, is that right? And so why, what do you thinking? I said, I'm thinking if you're paying, I think it was 4% for your home equity.
Amber Schworm (22:17):
Yeah. Something like that. 3 or 4%.
Glenn Schworm (22:17):
And at the time I said, I'll pay you at the time. I was doing four points and 14%. Cause that was kind of the rates back then. Right? I was brand new. And I said, if I paid you that, so if you were making money on other people's money, so you're borrowing money from the bank, you loan it to me at another rate and you're making 10% on money. That's not your money. Would that be a good deal? She's like, yeah. And so here we go. And she's been with us for 13 years now.
Amber Schworm (22:45):
She was able to put her kids through private school, off of the interest
Glenn Schworm (22:49):
Yeah. And we never left our pool. So we built this private lender base from there. We, we have other people that we pay. We're paying about 10%, no points anymore. We pay about 10% on the money and you know, we're a very secure investment. We've been around for a long time so people have a lot of faith and trust. And listen, I've even lost some money on deals. And I know no one ever talks about that, but we do. So we made some mistakes and made some missteps. We've lost some money on deals with the reason we've lost money because you paid our investors. And I preach that from the stage. I preach it from zoom. I preach it from there. I said, you're taking people's money and you make a mistake. That's your fault. That's not their fault. Now they're a partner with you. That's a different arrangement, right? They're a partner they're going there. If they're taking the risk and the reward, because they're just loaning you money, that's not you. I said, you better go flip burgers and pay them off. Whatever you gotta do, you pay them off because that'll keep our industry strong and keep the private lending. So that's what we do. That's how we fund our deals and all the flips for you or any buys we do.
Amber Schworm (23:41):
Yeah. And real estate, it's been like super rewarding for us. You know, like when started, we were $80,000 in credit card debt. We were sleeping on an air mattress in a two bedroom condo and I actually sold my car. I had a little Mercedes that had $10,000 equity in it. I sold my car just so we could finish our third flip, I think it was and you know, it's, it's been really, really rewarding. We have a lifestyle that we really enjoy. We love experiences. That's what it's kind of all about for us but we found out that like, people would always come to us and ask us, you know, how do we do it? And, you know, get over the fear and all that. And the two things that really hold people back from real estate are, you know, lack of money and lack of knowledge and that's why we started the home flipping workshop. And we even teach people here locally, as well as nationally. And people always ask us, you know, why do you guys teach your own competition in your backyard? And Glenn and I just really believe in an abundance mentality instead of a scarcity mentality and so we think that there's enough to go around for everybody and we want to share that knowledge of, you know, how to get past the fear and how to gain the knowledge and how to fund the houses even if you don't have a lot of money to start up with and all of that and that's why we really love teaching people at the home flipping workshop.
Glenn Schworm (24:52):
Yeah. That's been a big, people come to our workshops. If you look, we've got like 500 five star reviews, I think. If you look at home for the workshop online, I think it was over 500, five star reviews. Then we have one, one star review because some guy didn't like the bathrooms at a hotel were in. Like it has anything to do with me, but whatever, that's all five star and this is going over four years and the one thing that really, people leave the first day. I always say it. Okay. What's one of the first is I say on Friday is, you know, what's the most important part of the house? And they eventually get around to saying, it's the foundation. And I say, good. So what's the most important part of your business? And they say, well, me. Right. I say, so you are the foundation of your business. So if you're not strong and you're not whole as a strong foundation, you'll crumble like a household crumble. So let's work on you first and then we're going to build up from there. So our three days we take them through this process and we work a lot on them. Friday morning, know about them. And they're after the first morning they go, I never thought of it that way. It's actually makes sense. It's just like you guys, you guys are saying, Hey, we use cos that's working on you. You know, anybody who's successful knows if you don't have this, right. You'll never get this right. You'll never have the dollars. The venues will never come in. If you don't get it right in your head and you're, and you understand money and just deal with all the crap we deal with and we deal with day in and day out every day, I'm laughing because we're sitting here now in this snowstorm, we're thinking about all the Airbnbs we have, and we've got people they're supposed to check in today, people's suppose to check out today. And they can't do that, every day is a challenge, right? If you let it get to you, you'll want to just end it and be like, Oh my God, jump off a cliff. But we teach you how to deal with problems every day. And think through them at a high level, you'll be much more successful so once they understand that they say, well, that, that actually does make sense.
Amber Schworm (26:42):
And the only thing that's happened though, that's really kind of been a shift is that more and more women are coming to the workshops. And that's like super exciting for me because you know, the whole, like mom guilt thing is real. I don't know if you guys have kids, but the whole mom guilt thing is so real. But like, for me, I love being able to, you know, do all the things that I want to do with my kids and take them to all their appointments and beat their school events and all of that stuff. But I like working, like, I like that fulfillment. I like that accomplishment. I like contributing to our goals of our future. And I liked the example I'm setting for my kids about doing that. So, and it real estate, you know, flipping houses especially has been like really male dominated. And there's still a lot of guys in it so don't get me wrong. But women have so many like natural skills just from their daily life that they can bring the real estate and I like, my common joke is, you know, managing a job site and contractors is a lot like running an adult daycare anyway. There's just so many natural skills that women can transfer to real estate that makes it like such a good fit.
Glenn Schworm (27:43):
You know, we should probably make, if it's okay with you guys. I think it launched yesterday or today we have a new show that's gonna be coming out called the Big Flipping Break. I don't know if you pull up the bigflippingbreak.com that'll show it or not, but you can go to, I think GlennandAmber.com.
Amber Schworm (28:01):
Yeah. You can go to GlennandAmber.com. We have so many different companies that we decided to just kind of put everything in one place. So if you go to GlennandAmber.com, that has all of our links on where to follow us in podcasts and Instagram.
Glenn Schworm (28:10):
So we have a new show called the big flipping break and The Big Flipping Break is this. We are taking auditions. Now we are going to pick one person or couple, whatever it is, and we are going to help them find a house. And then once they find it, we're going to take them under our wing. We're going to do all that. We're going to do the work we're to show them how to do the work and manage it through it. We're going to give them all the money from the purchase, all the money for the renovations, all the money for the holding costs. And at the end of the day after we help them sell the house, we're going to split the profit 50 50 with them. So we're going to do a full show on that, and that's what we're going to do. It just launched. So again, I don't know if, I don't know if the bigflippingbreak.com will bring that up yet brand new, but yeah.
Amber Schworm (28:49):
There's Glenn and Amber, yeah.
Glenn Schworm (28:49):
There's Glenn and Amber, yup. So there's that, so that may or may not be on there.
Amber Schworm (28:55):
If it's not on there now, it'll be on there soon.
Glenn Schworm (28:55):
Yeah. Yeah. From there you can follow up on Facebook or whatnot and you'll see it on there. So I don't know if it quite launched yet, but it'll be there. So yeah, we're excited about that. Taking somebody to start to finish and then giving them all the money. You know, my only fear about that and you guys could relate to this. I wonder if there'll be as dedicated when it's not there, they're asking the line. Our margin's in the line, right? So I'm wondering, So after I did this, I thought, I wonder if there'll be as motivated as we are?
Amber Schworm (29:25):
We have our financial skin in the game, but their pride won't be on the line cause it'll be videod
Glenn Schworm (29:30):
It'll be a show so that's very true. Yeah. So that'll be exciting.
Bill Fairman (29:33):
So are you going to be pitching that to any of the networks when you finish it?
Glenn Schworm (29:37):
Yeah. Our marketing company has been, they have a lot of connections, so yes, once we get it up and running, we'll see how that goes. You know, we've been interviewed a few times for shows and we'd never made the cut. I think it's because I'm just too attractive for TV and Amber doesn't make it. But she looks good.
Bill Fairman (30:00):
Well, the one thing you have to make sure is that they understand that buying a home, flipping it and selling it only takes a weekend. Right?
Amber Schworm (30:08):
Right. Yeah. I know.
Amber Schworm (30:08):
I'm like, you know, six weeks into 60 minutes.
Glenn Schworm (30:13):
Good point. Every time you watch a show, people say, well, it's like, what's the flip? Is that in your life? I go, yeah, it's our life. It's about six months. It's not 30 minutes. Just so we're all clear on how that works. And plus I love how they always know chose. Every deal is a home run. Oh, I was supposed to make 120. I only made 109 shut up, I guess [Inaudible] Cause I don't, like if you do enough of these deals, you're gonna make mistakes. So I know.
Bill Fairman (30:44):
That's awesome. What what's funny is listening to you guys, you're talking the same language that we talk about on our shows constantly. We talk about the abundance and scarcity. We want people to be as educated as possible. We love educating people. We want to do business with educated people because if we do, it makes life so much easier for us. Right?
Jonathan Davis (31:11):
Yeah. Absolutely.
Wendy Sweet (31:11):
It really does.
Bill Fairman (31:12):
And there are plenty of deals to go around. And even if you teach somebody to do exactly what it is that you do in most cases and they actually follow through with it, because we talk about this all the time. We teach people exactly what we do. And 95, maybe 97% of them say, wow, there's a lot of moving parts here. Here, why don't you just do it for me? And since we're in the lending business that works out okay. But a lot of people are doing it passively, they just want to know how it works.
Wendy Sweet (31:50):
But plus it's somebody that we can refer deals to that we don't do or they can refer deals to that they won't do.
Bill Fairman (31:53):
Eventually, you'll do business with those folks that actually make a business out of it so it always benefit you. Holding that stuff back doesn't help anyone, really.
Amber Schworm (32:04):
The other thing is not everybody has the astronomical goals either. You know, some people want to flip one or two or three houses a year so the same area, you're not all going to be looking for houses at the exact same moment.
Glenn Schworm (32:18):
What you said too, is that, you know, people sometimes dive in and go, Oh, that's what you do, huh? [Inaudible] I thought I just bought it, sold it, isn't that right? I just paint it? What do I do? You know, I always say to everybody, I see if you want to do something when make 50 grand a deal or 75 or 40 grand a deal, nothing in life worth, anything is ever easy to achieve. And if people come to our workshops, my first thing I say is, if you're here for a, get rich, quick scheme, you misread everything. I say all weekend long. I say this. We actually overnight them a package. We offered them a federal express package. They get for the workshop the day before. So they all get this things to hold your screen.
Amber Schworm (33:03):
They're Home Flipping Workshop toolbox.
Glenn Schworm (33:03):
Toolbox, we call it. Yeah. We call had these trifles. One of the things that they hold up, I say, what we do is hard, but it's what? Everybody holds up a sign. It's worth it. That's what we do is hard, but it's worth it. I say it over and over. I said, if you ever leave here and say this guy, so that can make a million dollars in the next year. So you're not listening. I say that's not how it works. I say we built it in the hard market. Now it's, you know, we've never really experienced this kind of a market because we built it in the really tough times. Like we were, people said, how are you building on? Like, I don't know any different, this feels like a normal thing to me. I don't, I mean, the guys who were before me in the big boom back then, those guys were all like, Oh, it's hard now. I remember and I were like back in 2010, 2000 limit. Like,
Amber Schworm (33:45):
It just is.
Glenn Schworm (33:45):
It just is. I don't know if it's harder. So now it's now it's now it's not easy either cause now I think you open the show saying there's a billion people looking for houses right now. So that's our struggle now. So I had to sell them, start to find them. If you're fine, you'll find a couple hundred times a month, but it feels a struggle. Now we're pretty high profile in our area. So people that, you know, they're like, Oh, as Signature Home Buyers in this deal? I'll pay a thousand dollars more than they offer. You know, like we do all the hard work.
Amber Schworm (34:18):
I think , you know, when you're, and I find that a lot of people that listen to the podcast are people that are kind of on the fence. Like they want to do real estate, but they can't quite make it over the hump. And I think if you just look at it from a different perspective, you know, yeah, it's hard, but it's going to your job and getting up every single morning and.
Glenn Schworm (34:34):
Hating it.
Amber Schworm (34:35):
Hating it and having to ask for time off and ask to go on vacation and ask for, you know, take your kids to a doctor appointment. That's not easy either. So, you know, think about what's really hard. So I think, you know, if you can like wrap your mind around just, you know, just because something's different, doesn't make it better or worse. It's a different path but a much better path. If you can just get over the hump of being uncomfortable for a little bit.
Bill Fairman (34:58):
Sure. And you also have to avoid the fear of failure because there are a few people out there that are education junkies. They will get all the education in the world, but, and it is education, but your true education is actually doing it because you can only be taught so much by videos and books and workshops, but you have to get your hands dirty before we can really learn all there is to know about it and your confidence gets better as you do these things, but you have to make that step ,you to start that, or you're just going to, what would Larry call it? shelf help your back course-
Glenn Schworm (35:46):
You say shelf help?
Bill Fairman (35:46):
Shelf help.
Glenn Schworm (35:48):
Yeah. Good one. Yeah.
Amber Schworm (35:52):
It's interesting that-
Bill Fairman (35:52):
I can't take that one. I stole it from somebody else.
Wendy Sweet (35:55):
Larry Gullens
Amber Schworm (35:58):
It's so interesting that you brought that point up and we also agree with that wholeheartedly because the students that we bring on, not only do we give them real estate education, but we actually have coaches that are, we call them peak performance coaches that are just designed to work on their,
Glenn Schworm (36:11):
Mentally.
Amber Schworm (36:11):
Yeah. Their mental health and help them get past the fear and help them find the roadblocks roadblocks that are keeping them from moving forward.
Glenn Schworm (36:21):
I think that's why we have just a high success rate. You know, it's never a hundred percent mean people still have to do the work. Did we, were we boring Wendy? [Inaudible].
Bill Fairman (36:33):
Too much of this, apparently.
Glenn Schworm (36:37):
But now we spent time in that mental side, big time, because we figured that just changed the game.
Jonathan Davis (36:41):
No, you all are a hundred percent, right? I mean, it's the failure to take the risk and execute is what stops everyone. I mean, we see that every day with people. I mean you can identify good properties, you can find good properties, but there's so many people I talk to, like, I just can't sleep knowing that if I fail, I have to pay this back. It's like, then you don't have the right mindset for this.
Bill Fairman (37:07):
Sometimes it's a pride thing too, where I've never made a mistake. I'm not going to start now.
Jonathan Davis (37:16):
Yeah. Everyday. I'm ready.
Bill Fairman (37:20):
We did have a question from Mark here and he was asking about EOS and he was wondering, is that a concept? The company? Are there companies, well, Mike, I would say Mark read the book, Traction and Traction is basically, it is a concept, but it's, if I can just put it in a thumbnail, it teaches you to give up, what? What are you laughing at?
Wendy Sweet (37:47):
I wasn't tired of you guys. I promise. I went to get water and this fruit, fruit coffee while you were talking.
Glenn Schworm (37:51):
[Inaudible] I'm tired of them, done!
Bill Fairman (37:51):
So yes, we're very professional in what we do.
Wendy Sweet (37:51):
When you gotta go, you gotta go.
Bill Fairman (38:06):
So Mark, it's called Entrepreneurs Operating System because it teaches you how to run a business and not be what we call a highly paid technician. You, as the business owner, as the visionary, you need to get up out of the weeds and be able to delegate to others the stuff that's, let's say not necessarily,
Wendy Sweet (38:31):
That doesn't need your expertise.
Bill Fairman (38:31):
Stuff that you like to do, stuff that you could pay somebody a lot less money to do and at the same time, you need to be out of the weeds. So you can actually be the visionary. If you're constantly in there putting out fires, you never get a chance to actually have the big ideas because your brain is constantly wrapped around what's going on in the next five minutes.
Wendy Sweet (38:59):
And you know I like what Amber said said that, they tried to take away her decorating a thing that she loves to do and that's the important part of this is, you know, there are things that you do and that you do well and that other people can do but don't take away the stuff that you love too. That's important to keep yours.
Bill Fairman (39:22):
That's why you're in business, cause you wanna do what you love doing.
Wendy Sweet (39:22):
Right.
Glenn Schworm (39:22):
For sure.
Wendy Sweet (39:22):
Alright. That was good stuff.
Amber Schworm (39:25):
And there are companies that help facilitate it. We use a company called Sharper Process that Glenn mentioned earlier, and they actually run our company meetings and they run our quarterlies and they, they really have the whole EOS system dialed in. Yeah.
Wendy Sweet (39:39):
That's Gary Harper right?
Amber Schworm (39:40):
That's Gary Harper, yes.
Wendy Sweet (39:40):
Yeah. Gary and Susan are great.
Amber Schworm (39:43):
They are.
Amber Schworm (39:45):
I never, again, that's investing yourself, alright? This stuff's not free, but it's so for us, we did it back in July. So we're pretty new to the concept, but we were very welcoming to it when they came in and we've seen,
Amber Schworm (39:56):
In a short amount of time, we've seen major changes.
Glenn Schworm (39:59):
Oh yeah. Oh, it's so funny. Just having a way to run a media level 10 meeting, right? Just to know how to run a level 10 meeting. It was like, wow, no, one's just blabbing on forever. We're getting through this stuff and it's not clicking. And it's, it really is.
Amber Schworm (40:16):
We're actually making progress instead of just siding about stuff.
Glenn Schworm (40:16):
The best description is sort of being in the mud, spinning your tires and you kind of going back forward back, forward back, now you have traction and hence the book
Wendy Sweet (40:24):
And traction, isn't the best read in the world. It's not so easy, but I love the book that you talked about. You know, What The Heck is EOS, that's a great way to start.
Bill Fairman (40:35):
Rocket Fuel's and other good one
Glenn Schworm (40:39):
Well, yeah. You know, what's funny guys, when I, we hired the integrator for Vestor Pro. Vester Pro is a company that puts on the whole living workshop and she came on as a possible advisor to us, one of the real estate advisors to help our new students and the more I talked to her, I was like, man, this girl is sharp and I said, let me, let's have some conversations and we talk for a month and I said, I'm looking for another person to be, what's called an integrator. She says, what's an integrator? I said, I want you to read What The Heck is EOS? She read that book and a week later she said, I'm interested and I said, okay, so now I want you to read Rocket Fuel because that would describe our relationship. Diligent, visionary, and the integrator. I said, you understand that what those relationships like, you know, you have to be okay being number two. No, you have to be okay with that. And some people, you know, like I'm not, but she is. So as she read that book, it was over a month's period of time. It wasn't like we just had an interview and said there, and now your man greener, you know, I use those books. I did say traction's a tougher read, but that kind of gives you a detailed version if you want. But those are two books, What The Heck is EOS and Rocket Fuel really, we'll condense it and then after she read that, it was like, I let that work. I let those books do the work for me. We put it through the PI index and they came back. She'd be a great integrator and it was like, I was waiting patiently to get her results. I'm willingly waiting then. It probably starts at the night my CFO said, what's your problem? You're all anther class. I don't know what I'm on. She goes, you want that to be a good fit? I go, I do. I said my gut feel good about her, everything feels right and if we go back for a two I'm just going to just lose my mind.
Amber Schworm (42:07):
Now, funny story. Because, you know, we went through the PI index and I was also at, so Glen is like unmeasurable on the PI index. He's like off the charts, visionary. And then,
Glenn Schworm (42:19):
Off the charts risk taker.
Amber Schworm (42:19):
Yeah. And I was also a visionary, but not to the extreme that he was. And so I fit really well. Like they said, you guys are like the perfect marriage and life in business because you know, he's a visionary and you can be the integrator. But part of the whole EOS system is not only are you capable of doing the job, but do you want it? And our put in life relationship, I didn't want it.
Glenn Schworm (42:41):
Well did something funny. Gary took our personality profile in front of our whole team and he laid them over top of each other. He said, now I want to explain something to you guys, these personalities, when they are on their, on their machine, they can accomplish anything. He said, when they fight, I can sell tickets. That sums up that relationship up.
Bill Fairman (43:05):
That's really funny. Yeah. Wait.
Wendy Sweet (43:06):
And it's so true.
Bill Fairman (43:08):
For those of you who are listening, all tens of you when you're a small business, you are going to wear many hats. There's no way around it, but as you grow, the only way you're going to be able to grow and get out of your own way is to figure out EOS, learn about it, and then be able to delegate a little as you go and I'm telling you, you start off as a leaf blowing around, you know, in some water with no rudder and then when you go through EOS and I always suggest you have an implementer come in and do it. You don't try to do it on your own because those folks, understand this, they ask the right questions, they will pull out questions you didn't even know you had, questions about in the first place and it will steer that ship. So instead of just making the paycheck to pay your bills at the end of the month, you actually have goals that you can set and achieve. So it's an awesome system. Guys, I know we kind of got off topic of your business, but it's nice to know that you know, we're all following basically the same building blocks and models, and that's to build a solid business in the first place, right?
Glenn Schworm (44:35):
Yeah. That's were all trying to have a business weekend. I mean, for me, we want something that we can, I can have the pride of owning it, saying we built it and be able to step away. You know, I see, you know, you guys wrote about passive income, so are we. So since I've been 19, I've been in the passive income. I'm 50, I'll be 52 here in a week or two weeks.
Amber Schworm (44:56):
You're getting old.
Glenn Schworm (44:56):
I know, what's up with that? My grandchild's across the street. So what the heck up with that? Let's move on. But the passive income has always been, I was in, you know, I was in a security alarm company. My first company was more than 19 years old. I opened my first company and that was for 14 years alarm company, which had passive income and you will get a monthly monitoring fee and as those lovely checks, I got used to that early. And then I sold that business. I went to network marketing for the promise of having residual income, did that for two companies over 10 years. So five years at one company, five with another, and I built up some decent regionally. What I found is you have to keep, you just got to keep grinding in those businesses to keep the money coming in here. Quickly, it drops off. So we started building our rental portfolio and building our business to be a passive income too. People don't think of it that way. But you know, if you build a business where you can step out of the business and let that run and not have to, you know, if I could leave for three months, three or four months at a rip and still get a sizable profit check from that, that's passive income. Again, that's what we're all building. Right? And I think people start with one house and some people only want like Amberson. They want to do a few. Or if you want to turn that into an empire, a circuiting rental portfolio and all that kind of, you know, the rental income is great and then the Airbnb, this there's work that goes with that, but we hire that out. Actually, our 21 year old son manages that portfolio for us.
Amber Schworm (46:19):
It's so important to know what you're good at though. And like, you know, as a visionary, like you were saying, Bill, you know, you do wear all the hats in the beginning, but when your company gets to a certain point and then the visionary assistant distraction, and that's what Glenn's can turn into in a lot of our companies. Our 21 year old son and actually run the Airbnb business and we fired him. Like, we're like, you have to get out of this business. You're just too distracting. Your head's all over the place. So, but I think that's important in any business,
Glenn Schworm (46:50):
I'm with Wendy. I'm getting the hell out of here.
Amber Schworm (46:56):
So just in business, so just do you and if you're, so, own what good at, figure it out, own it and then make the best of it.
Bill Fairman (47:04):
Yeah. So I'm sure you put it in a nice way instead of just firing him.
Amber Schworm (47:07):
Oh no. Just you're fired.
Glenn Schworm (47:13):
He's not nice at all, just to be clear.
Bill Fairman (47:13):
Here's the easiest way to do it. We're going to give you some you time so you can think about the big picture.
Wendy Sweet (47:19):
That's what always get him.
Glenn Schworm (47:24):
We go by saying you're fired. I go, huh? Just go and I'm like, okay? Cause we're doing just fine. As a visionary, I don't know which one of you guys is a visionary in your business that you are now.
Bill Fairman (47:37):
Well, it's actually a little bit of all of us
Glenn Schworm (47:42):
Okay. So you guys get their nose in. We can be very distracted and go, Hey, how about this? How about that? Let's try this, let's try that in all the places we do, we're the worst at that. I've had to, they all look at me, look at me and go, are you done?
Bill Fairman (47:57):
That's why your integrator is very important because they can take all those ideas cause you're going to have a ton of them and some of them are going to be really good and some of them are just going to stink or they're really good, but we can't do it now. And they can go in there and they have permission to say, yeah, that's great, that's for next quarter. Yeah. That's not going to work. We're not doing that at all. That's way away from our focus. So it's nice to have, you need to have somebody in there that has permission to prioritize all the great ideas we have, right?
Glenn Schworm (48:34):
That's a good question, can older- So you guys mind, if we take that question?
Bill Fairman (48:41):
Oh yeah, go ahead.
Wendy Sweet (48:41):
Absolutely.
Glenn Schworm (48:42):
Absolutely. I mean, you say retirement so I'm skipping too.
Amber Schworm (48:42):
I don't know if somebody else can see the question so read the question.
Glenn Schworm (48:45):
Well, thay can probably, okay.
Amber Schworm (48:45):
We don't know if they can see it so they have to hear it to understand. Can older the individuals near retirement age get into this business?
Glenn Schworm (48:52):
Yes. Very likely. When older, when they're close to 80, It really depends. It depends on you where you are, what your risk tolerance is. Age is just a number. I mean, it really is age the number. I'll be 52 a year. I feel like, I still, I swear, I still feel like I'm 25 in my head at the time. No, my body and my back reminds me that I'm not but for the most part, I feel really young.
Amber Schworm (49:13):
It depends on someone's attitude where they are in their way, where they are in their health, where they are in their energy levels. And all of that, you know, Glenn's mom is eighty-
Glenn Schworm (49:23):
Turning 84 in March.
Amber Schworm (49:23):
84 and she's a bull. Like, I mean, I wouldn't tangle with her. She's a tough woman and she could totally flip a house and handle contractors and everything. However, you know, we had a woman that came to one of our workshops and she had to be in her eighties and she was just the cutest little thing I've seen in a long time and, you know, I actually told her that I didn't think flipping house would be a good fit for her because I think the contractors would have eaten her up and spit her out for breakfast, you know, then she would have gotten so taken advantage of, but so I think it's really dependent. I don't think age, and that's the great thing I think is about real estate is it doesn't matter if you're young or old, it doesn't matter if you're a man or doesn't matter, you don't have to have a license or, you know, a special college degree or some sort of massive educational background. If you just have like the drive and the willpower and the knowledge to do it, go for it.
Glenn Schworm (50:14):
Totally.
Bill Fairman (50:16):
Well, one of the big advantages to investing in real estate of any kind is that you still have a solid asset that is backing up investment. If you're trying to make money in the stock market, what do you have if it goes South? Not a lot. So you're, you have downside protection when you're in real estate because you do have a tangible asset and it's highly unlikely that you're going to lose all your principal when you're investing in real estate. No matter what market is, even in 2008 and nine, the worst markets lost 50%. If you're in the stock market, I know a lot of people who lost almost everything because they chickened out and sold when it was at the bottom and weren't able to take advantage of it when it came back up and again, it's just paper that you're backing in the stock market.
Glenn Schworm (51:19):
Your principles insures. You know what I mean? Your real estate investment, your property is insured. Think about that. Now. I say, you have to try really hard to lose money in real estate. If you want to lose. You can lose, but you have to try hard to lose it all. You have to really, I don't even know what you would do cause if you have to destroy a piece of actual property, you have to like fill it full of oil and old dinosaur bowl. It's a piece of property. So you'd really have, how do you damage that? It has value no matter what you do and even if you have a house burned down and you decided you wanted to save the 600 bucks a year and not get insurance, which would be a bonehead move, let's say you did that. You're left with that. Like you said, you got a piece of property. You have a foundation, you've got utilities going into it. You've got something that's worth money right there. So it is hard. I agree. It's hard to lose.
Amber Schworm (52:05):
the people though that do lose are the ones that are making really emotional realizations. And they're making you're going in a house and go like guessing. We've been offered houses right here in Schenectady for a dollar. And people like, Oh, that's a good deal. You know, the city just wanted to get them off of their books. But because of, because of the restrictions in Schenectady and you have to bring everything up to code the numbers still didn't work even at a dollar. So we teach people how to make tough and good decisions so that they can read and not be so risky.
Wendy Sweet (52:35):
You know, I see a lot of people losing money when they're trying to squeeze the nickel and the dime where they're trying to find the cheapest person that can do the job for them. That's, I've seen them lose a lot of money.
Jonathan Davis (52:49):
Usually they lose the most money.
Wendy Sweet (52:51):
Trying to thinking that they're saving money instead of making smart decisions.
Jonathan Davis (52:55):
Well, either they lose money on the deal, or they lose money on future deals if they don't get because of how they think of people.
Wendy Sweet (53:00):
And the time that it takes, you know, you hire a handyman contractor that really can't handle the job. How long does it take them to finish it? Or they try to do the work themselves. Do you really want to go out and buy a paint sprayer? Come on.
Amber Schworm (53:19):
People think we're saving all this money on labor by doing the work themselves. But you know, if they're, you know, out there being weekend warrior , it's going to take them six or nine months or a year to finish a job that would take a contract or six weeks to do it. So the money that you're saving, you're just, you know, you're totally losing.
Bill Fairman (53:37):
Listen, we don't want to keep you guys all day, although I know you can't go anywhere cause you're help hostage by the snow, but I just wanted to make a comment about how sad it is that getting a home for a dollar, thanks to the regulations and restrictions from a municipality. You still can't get the damn numbers to work.
Glenn Schworm (54:01):
Thats sad.
Bill Fairman (54:02):
We always like to talk about return on effort and if it's too much effort involved, then it's time to move on anyway. Right? Guys, thank you so much for joining us. I'm sure. Thanks for putting up with our-
Wendy Sweet (54:17):
Professionalism.
Bill Fairman (54:21):
Listen, when I get up to tens of people, it's so worth it.
Amber Schworm (54:26):
[Inaudible] Southern accent since I was texting. It's all good.
Bill Fairman (54:32):
Nice, nice to hear that now and again. Right? So listen, thank you so much for joining us. Folks, thank you. The tens of you that are on there. This has been the, what is the name of our show?
Jonathan Davis (54:47):
It is Passive.
Bill Fairman (54:50):
Active.
Jonathan Davis (54:50):
No, it's Passive-
Bill Fairman (54:50):
Passive Income,
Wendy Sweet (54:52):
Active Wealth.
Bill Fairman (54:52):
Active Wealth.
Jonathan Davis (54:52):
There you go!
Bill Fairman (54:52):
Alright. Don't forget to subscribe, share, like hit the bell, all that good stuff.
Wendy Sweet (55:03):
Tell all your friends.
Bill Fairman (55:03):
Our website is CarolinaHardMoney.com. And listen, we'll talk to you guys next week. I'll make sure I have fresh batteries before I started the show. Take care
Glenn Schworm (55:16):
See you guys
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