The Brad Weisman Show
Welcome to The Brad Weisman Show, where we dive into the world of real estate, real life, and everything in between with your host, Brad Weisman! Join us for candid conversations, laughter, and a fresh take on the real world. Get ready to explore the ups and downs of life with a side of humor. From property to personality, we've got it all covered. Tune in, laugh along, and let's get real! #TheBradWeisman #Show #RealEstateRealLife
The Brad Weisman Show
Real Estate vs. Stock Market: The Wealth Building Showdown
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The wealth-building power of real estate compared to stock market investments takes center spotlight in this data-rich episode. Brad Weisman, and our Monthly Guest, Pete Heim unpack some truly jaw-dropping statistics: while real estate and stocks showed comparable 5-year returns (57% vs 58%), the 25-year comparison reveals a staggering difference—real estate appreciation soared to 321% while stocks limped along at just 42%.
Current market indicators paint an intriguing picture. Despite higher-than-historical interest rates hovering around 6.7%, buyer activity is surging, with mortgage applications up 37% since January and showing activity increased by 13%. Yet inventory remains stubbornly low, creating fierce competition for available properties.
Perhaps most concerning is the revelation that only 24% of current buyers are first-time homebuyers—the lowest percentage since 2000—with the average first-time buyer now 38 years old. These buyers are missing crucial years of equity building during what's proven to be an extraordinary wealth-creation vehicle over time.
The hosts dispel common misconceptions about institutional investors, who represent just 0.3% of purchases, far overshadowed by traditional "mom and pop" investors at 18%. They also discuss how return-to-office mandates may force approximately 26% of remote workers to relocate, potentially shifting inventory dynamics in certain markets.
For Pennsylvanians, there's an unexpected silver lining: the state enjoys the lowest homeowners insurance rate increases nationwide, unlike disaster-prone regions experiencing premium spikes. Combined with the fact Americans now stay in their homes an average of 9.3 years (up from the traditional 5-7), this episode provides essential context for understanding today's complex housing landscape and making informed real estate decisions.
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Welcome to The Brad Weisman Show, where we dive into the world of real estate, real life, and everything in between with your host, Brad Weisman! 🎙️ Join us for candid conversations, laughter, and a fresh take on the real world. Get ready to explore the ups and downs of life with a side of humor. From property to personality, we've got it all covered. Tune in, laugh along, and let's get real! 🏡🌟 #TheBradWeismanShow #RealEstateRealLife
Credits - The music for my podcast was written and performed by Jeff Miller.
Here we go From. Real estate Affects the market as a whole, which then sometimes will affect the 10-year treasury Right.
Speaker 2:It'll come in To real life.
Speaker 1:We all learn in different ways. You're right, if you think about it, wayne Dyer might not attract everybody, and everything in between.
Speaker 2:The mission was really to help people just to reach their full potential.
Speaker 1:The Brad Wiseman.
Speaker 2:Show and now your host, brad.
Speaker 1:Wiseman All right, we are back. We are back. Oh man, this is going to be a good show, because every time we have this guy in the studio it's always kind of fun we enjoy when he's here. You also might have noticed we have a new intro. Pete, did you notice that? I thought it was me, you thought it was you. Intro Pete, did you notice that? I thought it was me, you thought it was you, you thought it was you?
Speaker 2:It wasn't you. Did you think you had voices in your head? I did the other ones.
Speaker 1:We shouldn't have said anything, Hugo. We should have just been like what, what do you mean? We didn't hear anything. We just heard music. But no, Pete's back. This is our real estate show, what we do for a living which is a good thing. I like the vest, by the way. My mission is to be like you. Yeah, that's a bad mission.
Speaker 2:Bad mission. I want to be like Brad. Yeah, yeah, yeah, brad, yep.
Speaker 1:Okay, but it is a nice vest. Oh, it's very nice, thank you.
Speaker 2:It's very nice, is that a polo? He's bringing the show up a little bit, that's right.
Speaker 1:Mine's a pono, or it's just po. It's just po, all right, let's talk about some real estate today I shop secondhand stores. Yeah, yeah, it's all right. I thought I saw that at Goodwill. So, yeah, let's talk about some real estate here.
Speaker 2:Yeah.
Speaker 1:Right off the bat 332 homes, I think. I just said on the market. You said this morning you checked and it was it was 325, so seven listings came on.
Speaker 2:That didn't sell, I guess.
Speaker 1:Yes, yes, seven listings so you got seven listings, say, and I'm going to check real quick um the rates. The rates, they're down, they're down, they're down did you see what? And they're still down.
Speaker 2:I just checked again I have it on here, it's yeah, they're. They are like what 6.75 in that range it was 6.79 on the app, but then I just saw a 6.625 come across. That's wonderful. Like what An hour ago? That's wonderful, yeah.
Speaker 1:Yeah, and I think that's probably because we're seeing some signs that the economy is not doing as well as we thought, yep, and I think what's going to happen is that those rates will come down.
Speaker 2:If that's the case, Yep, yep, yep, all that. So what do you got for me today?
Speaker 1:So last episode we spoke about real estate appreciation and how it relates to the stock market. Do you remember? Yes, that was it. Do you remember, Hugo? We forgot.
Speaker 2:Even Hugo forgot. Yeah, we forgot. Amazing, but I checked it, it out once did you check it out?
Speaker 1:I checked it out last day, so what? So yeah, this is, this is be good, this will be good.
Speaker 2:So um the 2019 to 2024, yeah, our residential home appreciation went up 57.4 percent in those five years, right okay, say it again 2019 19 to 24 24 got it okay 57.4 in the nation.
Speaker 1:Pennsylvania was 54 okay, okay, not far yeah, the stock market, are you ready?
Speaker 2:yeah, went up 58.76 percent. Now there's there's a correlation here. Now just let me just yeah, it was a little more, it is a little more. 2019 to 2024 yes okay, okay, then remember, we went back to 1999, to current oh, and the residential real estate market went up 321.6 percent. Do you remember?
Speaker 1:that yep, I remember that yep I remember that.
Speaker 2:So what did the stock market do in that timeframe?
Speaker 1:Oh, I'm going to say you mean. So that's now from 99 to 2024.
Speaker 2:Q1, q1 1999 to the end of 24. To the end of 24. January 1.
Speaker 1:So you said before it's 50, some percent, when it was the smaller.
Speaker 2:It was 57 percent.
Speaker 1:I'm going to say 70 or 80 percent.
Speaker 2:You ready.
Speaker 1:Yeah 41.95 percent's really wow and real estate's 300 and some percent yeah 321.
Speaker 2:Stock market was 41. Wow, well, 08 was in there. Got it right, got it. Uh, were there two crashes in there? There was one at 03 too, wasn't there?
Speaker 1:um, I'm trying to remember there was nothing big, nothing as big as right. Yeah, no, eight with oh, eight was the biggest right.
Speaker 2:Yeah, here's the the moral of that story is what is the moral of the story? Real estate is phenomenal on long term yeah, it's phenomenal on long term. And the market, the stock market, stays steady. Yeah, it's. I mean it was 58.76 in those five years. And then going back, how many years is that?
Speaker 1:25 years, it's 42 yeah, but that means there was times though, but doing this, doing a lot of that. Yeah, we only we do this. Yep, come down a little bit go up, come down a little bit. Right, they do more like this yeah that's really yeah, but that's a big difference. I mean, and that just shows you. You know, wealth is developed no pun intended is developed by real estate.
Speaker 2:I mean 321,000.
Speaker 1:Yeah.
Speaker 2:I mean 321%.
Speaker 1:Yeah.
Speaker 2:Think of, I mean.
Speaker 1:Hugo, what if you would have bought your house back then?
Speaker 2:Oh man, man, I wouldn't be here right now.
Speaker 1:Oh man, man, I wouldn't be here, right now, he was born in 99,.
Speaker 2:For Christ's sakes, when were you born, hugo? That's right 97. 91. 91. Man, I was in she's eight years old.
Speaker 1:I would have sold your house. First grade, first grade, geez yeah.
Speaker 2:All right, he would have sold your house for sure.
Speaker 1:Absolutely. I would have visited him in jail then, like a cake yeah that's right. I'd be like, hey, you want to buy a house?
Speaker 2:Yeah, no problem, eight-year-old kid, yeah, kid.
Speaker 1:That's incredible. Those are some pretty awesome numbers.
Speaker 2:The good news with the stock market is, I guess it's steady enough, right, so that's the good thing for them, but ours, I mean, that's unprecedented. Where are you going to get 300% out of something?
Speaker 1:But it also shows you that stocks are stocks, the, the, the wall street is definitely more. You got to stay in it because there was times we talk about, like real estate, like 2008 through 2010 was really bad, yeah. Okay, people lost their houses, whatever, right, right, but the stock market if the fact that it's only 40% in that long period of time, there was definitely times where the people lost some serious cash.
Speaker 2:Yeah, because they sold when it was down or whatever.
Speaker 1:Exactly, yeah, yeah, and that's the thing.
Speaker 2:And that happened to real estate in 2009, 2010.
Speaker 1:A lot of people that I know. Big investors that had a lot of cash, bought a lot of properties in 2008, 9, and 10. Right, If you had the cash, you could do it. If you didn't, you weren't getting loans.
Speaker 2:Right, nobody was lending money, but if someone's been in their home for over 26 years, that's crazy.
Speaker 1:Yeah yeah, that's a lot of money, right? Yeah yeah, it's a lot of money.
Speaker 2:I mean so people.
Speaker 1:I mean, if you, you made over 300% yeah, dude, that's amazing. Well, there's that whole saying um, don't wait to buy real estate, buy real estate and wait. That's it.
Speaker 2:That's where the saying comes from and if you did that, kudos to you, because that's what you did.
Speaker 1:Yeah, we should have pretty cool, right.
Speaker 2:Yeah, oh I know I wish I still owned every house. I bought Absolutely.
Speaker 1:It's amazing, right, yep. So what else you got?
Speaker 2:We talked about interest rates. Right, they're coming down. They were in the seven range, right. So now they're down 6.7, whatever, and they're all over the place.
Speaker 1:So if you're going to buy a property right now and you're putting a house under contract, don't mess around. Just lock in, lock the rate, yep, because you're going to find that that rate's going to kind of do this, it's going to kind of do this, it's going to do that for this whole year. Everything now is coming out saying we're not going to be going as low as we thought we would go. Right, exactly All the statistics are looking a little different now.
Speaker 2:Yep and I have some market swing stats here. Since January, mortgage applications are up 37%. That's good. Since January 1st.
Speaker 1:Yeah, and that's a precursor that tells you buyers are getting approved.
Speaker 2:Yep, they're getting approved, which is good. So if you're going to sell, there's more buyers coming in. Yep Buyer demand index is up 3% since January 31st.
Speaker 1:Okay, that's a lot. So that's again an indicator.
Speaker 2:Showing activity and showing time is up 13%, is it Yep? Since January 1.
Speaker 1:Wow, so there's more people looking that's interesting, and which is why inventory is not, is just it's just hurting. Yeah, it's staying flat, which is which is going to well. There's two things that can happen, Like we talked about before, If, if rates, there's a, there's a magic number that just heard on another show, another podcast. They said magic numbers like 5.875 or something like that. What? As far as interest rate? As far as interest rate where the sellers will decide, it's worth it now to give up my three and a half percent rate to go and do what I want to do.
Speaker 1:Okay, and and because the the loss spread between what they're bringing to the next house as far as cash and all the other numbers, it it actually a 5.875 or 5.7, it was like right in that range. Then they did all the calculations. They think that's the number that it would hit that sellers will just start the pent-up demand, or I should say that, yeah, the pent-up sellers that aren't selling because the rate's being so high they'll move Really Yep, and that's in analyzing their increase in equity, I guess.
Speaker 1:It's analyzing everything. It's saying taking the cash out of their house, yeah, and the other thing you got to look at too the people that don't have much of a mortgage and don't have and have low interest rate. They're missing out on some tax savings.
Speaker 2:Oh yeah.
Speaker 1:If you're paying three and a half percent and you only owe 40,000 on your house and you have a house that's $500,000, you're not. You're not it's, yeah, it's mostly all principal so you're.
Speaker 1:you're leaving money on the table with the IRS, so the IRS is taking it. So would you rather have it that the money goes towards what you live in or do you want it to go to the IRS? Towards what you live in or do you want it to go to the IRS? So those were those numbers there start to really start to take effect.
Speaker 2:Yeah, there's a lot of people in that boat, I have a feeling. Oh my gosh, yes, absolutely.
Speaker 1:Yeah, yeah, exactly, so it just it's interesting what I saw.
Speaker 2:Who did that study?
Speaker 1:I don't, it was actually a podcast.
Speaker 1:I was listening to and the guy was on like numbers and things like that and it was a prediction. But he said, when they did all the numbers and they're looking at interest rates, it was like it's a little under six is where they see the sellers will go, Yup, and they might've done surveys too. I mean, you could do a survey of anybody that owns their home at three and a half percent interest rate and say, hey, you know, would you move? What's the number that would make it that you would put your house on the market? Right, Because there's, you know, in those situations there's a need. It's not a want to move, there's a need that they're putting off and a lot of times it's no steps, warmer weather, you know all those things, and they're not. They're putting it off, hoping to make a better move when the rates come down.
Speaker 2:Right yeah that that increase in price yeah but and and plus the increase of the equity of the current home, the, and a new loan at 5.875 versus at three and a half plus the tax savings payments yeah, plus the tax savings yeah, the payments like payments about the same, maybe it you know and also there's nothing wrong with paying a little more if it's what you really, really want or need or want. Yeah, you know what I mean. Right, it's true.
Speaker 1:So I mean, we talk about that all the time. You know, is this home worth it for you if you spend another $200 a month?
Speaker 2:Of course, it is Of course, yeah, yeah.
Speaker 1:Who's going to walk away from the house that they really want for $200 more a month Exactly. That's not going to happen were really interesting, and this is a number that we went. This is from the Keller Williams convention I was at in Vegas and I wanted to share this with you, which was really interesting. I talked about this at the office meeting. This was the lowest that has been around since 2000,. First-time home buyers 24% of the buyers are first-time buyers.
Speaker 2:Only 24%.
Speaker 1:The the highest was in 2010,. 50% of the buyers were were, uh, first-time buyers. Wow, so this is the lowest percentage since the year 2000. So in 24 years, the lowest amount of first-time homebuyers are in the market right now.
Speaker 2:Wow.
Speaker 1:Yeah, that is interesting. And it's also the highest age of first-time buyers. The average is 38. Really, is that still millennial? 38. Is that still millennial? I don't know if it is still millennial. I'm not so good with those.
Speaker 2:I don't know when they started? Yeah, I never know either. Because, yeah, I never know either. Because when you see that, like KCM and some of those, they use the generations- yeah, yeah, yeah sure. Like millennials, like it's the second biggest bubble versus like the baby boomers Right. So is that? Oh, it's the one after Gen Z, gen Z that might be a Gen Z-er.
Speaker 1:Gen X I think I'm Gen X, actually Whatever's right after the baby, for this is the cost, because you know you're buying your first home. You know it's very it's hard to buy your first home today Because what's happening is they're getting beat out by the cash buyers. They're getting beat out by the second time buyers that have a lot of cash and putting a lot of money down and interest rates are high. So it's really hard for them. So, 38 years old as the average first-time buyer, that's amazing.
Speaker 2:It's old.
Speaker 1:I mean it shouldn't say old, but it's old I mean most of the time it was early twenties, mid twenties, maybe late twenties.
Speaker 2:Yeah, they're missing out on so much more.
Speaker 1:Well, that's the thing is they're building wealth at a much later date in life. Now, they're living longer too, most likely, right, right, that's true.
Speaker 2:You said 24%. 24%, get this. I thought you had the same stat I had, but I looked it up. I know it wasn't. 24% of buyers are looking for ADUs accessory dwelling units. No way, that's funny. Is that the?
Speaker 1:same 24% they want mom and dad to put an ADU in the backyard. Maybe that's why they're safe. That's funny.
Speaker 2:But it's the same number.
Speaker 1:Yeah, it is the same number. That's wild, makes you wonder. So I thought that was a cool stat, that's a great stat? Yeah, it's a good one. So what else you got?
Speaker 2:I keep getting this institutional buyer thing.
Speaker 1:Oh man, I just heard it again. Did you see that again? Just heard it again.
Speaker 2:Okay, folks, put your fears to rest. I just heard it again it's 0.0. I always think of it as 0.0.
Speaker 1:0.0. No, it's a very low percentage. It's 0.3.
Speaker 2:0.0. No, it's a very low percentage 0.3. 0.3. Yeah, 0.3% of all the buyers in the world are institutional buyers. Guys, I just heard, you know, I heard a politician just talk about that again.
Speaker 1:Again, it said that and unless, unless it's here's the only thing I can think is maybe it's happening in New York city, Maybe it's happening in the big cities that were black rock or whatever. Those are buying up the properties. But then I keep going back to this they're not buying him and keeping him vacant, they're putting people in it's still housing.
Speaker 2:But, brad, 0.3% is almost zero. Yeah, I mean the mom and pops are 18.
Speaker 1:Yeah, yeah 18% on just the investor side yeah.
Speaker 2:I don't get it Right. Percent yeah, on just the investor side. Yeah, I don't get it right. I just it doesn't make sense, it's so trumped up.
Speaker 1:Oh, I shouldn't say that it's so, it's so perked up. We. We are sorry for what was just said we didn't say that.
Speaker 2:You know the word trump doesn't mean president trump, it means other things, but it's beefed up to be this big problem. Yeah, it's not. In fact, I don't even know if there's one or two in Berks County that I know of.
Speaker 1:I've never heard of it, really Never heard of it, I know.
Speaker 2:Carpenter used to buy them and Dana used to buy them, but who's out of business now? I don't know yeah.
Speaker 1:I know it doesn't make sense to me.
Speaker 2:So that's just not even there.
Speaker 1:It's not even there. Yep, yep to buy a home this year. 15% when they did the poll.
Speaker 2:I saw that 15%.
Speaker 1:50% said that they were looking to buy a home this year. 15%, yeah, yeah, which is good.
Speaker 2:Yeah, it's really good.
Speaker 1:I mean it was 11% last year, 10% in 23. It's the highest since 2020. Yep, which is actually amazing. But just because they want to doesn't mean they're going to be able to find it 15% want to buy. The other 50% or 60% are pissed off that they haven't found anything yet. So there goes that one. We'll just get rid of that.
Speaker 2:But what else do you have? Well, the last thing I have as far as numbers go is you know, people are coming back to work now.
Speaker 1:Yeah, oh, this is a good one. I know exactly what you're talking about. I love it, dude. Go ahead and talk about it.
Speaker 2:And they asked I think this is a KCM. They asked how many people have to move because they're being called back to work.
Speaker 1:Yeah, yeah, yeah 11%.
Speaker 2:Said definitely yes.
Speaker 1:Yeah, I know.
Speaker 2:And then 15% said probably yes, yep, and then there was a no, but the commute is pretty long. At 25% and then 49%. Now I'm good, I'm close to work anyway, close to work anyway. But, dude, that's almost 50% of people who are calling back to work. That probably have, because if they didn't mandate you come into the office, shoot, I don't know about you, I'm going to the Virgin Islands or something stupid of that? Yeah, Because they they and they might've. Here's the thing.
Speaker 1:They might've already moved Right, because they could work from home to where they really wanted to live, and now they got to move back. No, got to go. Could you imagine that? Yeah, yeah, hugo, you're not working remotely, just so you know.
Speaker 2:Okay, you know. Okay, I just want to let you know that I'm pretty sure newcastle and and myself were like no, you're not working remotely. That's right. But I have a friend client who's been in florida for 15 16 years now and she's completely hurricaned out. Oh yeah, I've heard a couple people.
Speaker 1:She's moving back home yeah, well, they got hit a lot, so there's some of that.
Speaker 2:I mean some of that going on too, but yeah, I thought that was interesting when people come back to work. They got to move back. Yeah, it's crazy.
Speaker 1:They got to move back.
Speaker 2:Well and, but what are you going to do? Or if you don't, want a job.
Speaker 1:That's different. You know what's interesting too. You just told me in Florida I was thinking about insurance and everything else with Florida. That's the other thing. I don't know if this was on Keeping Current Matters or if it was down in Keller Williams at the convention, pennsylvania. We're in a good spot. We have the least increase in insurance out of the country, like our state and a couple other ones are the least amount of increase for insurance, for homeowners insurance, it is yeah. And then you know where the bad ones were Like it was ours was like a white, and then you know. You know what the bad ones were like it was ours was like a white. And then like the california, florida, new orleans those were all like like dark blue, like yeah, like, oh yeah like 50 increased like oh crazy, oh yeah crazy.
Speaker 1:So, as pennsylvanians, we're in a good spot here for that we are. We're not.
Speaker 2:We're not going up as much as everybody else, and that market is micro, local too, like our real estate market absolutely now, unless it's a big national company, okay, and I have a couple insurance guys I know I stay close with and, uh, I like to stay involved in that too, because it affects us sure it does and no nationally, the big nationals. We pay for the fires in california oh yeah of course, and that what they do is they underwrite it out.
Speaker 1:They spread it out on yeah in underwriting ways. Oh, it does spread out, but we're not paying what they're paying, but not the regional companies.
Speaker 2:Oh okay, like Donegal and some of the other regional companies, they're just here, oh wow. I didn't realize that All they have to deal with is here.
Speaker 1:Right, so they're not hit by it.
Speaker 2:I think that's regional. So anything that's regional, it's going to be okay yeah yeah, it's not going to be as bad.
Speaker 1:Interesting. Yeah, that's interesting, yeah, so the other thing that I saw, a couple of things in here. Let me just go through this. Sitting on equity we talk about this how many times this is that American sitting on equity, 68.3% have paid off their mortgage. Yeah, or yeah, or have at least 50% in equity. There's still so much equity out there so much equity.
Speaker 1:What did that trillion dollar number we talked about? Oh, it was like, yeah it was. I forget what it was. Trillions of dollars, it was a lot. Seven trillion or something like that it was crazy yeah, how much equity there is. Do you remember that number? Hugo's tired. He's really bored you over there. By the way, you couldn't see this, but Hugo did. A huge yawn Makes us feel really good about the show. Hugo, do you have any questions that have nothing to do with sleeping? No, no.
Speaker 2:I'm just excited for spring market people coming up.
Speaker 1:It's getting busy, it is, it is picking up and I think, once again, we had the first real winter in a long time that's so you know we're dealing with seasonality, yep, and low and low inventory, so the it's a double whammy this year, but I think hopefully we're done with all the snow and well, blue marsh lake was frozen over.
Speaker 1:Yeah, for the first time, I think, in years, seven years yeah, completely frozen a little spot of ice here and there but the whole thing was solid yeah yeah, I'm trying to think if there's any things oh, this was the other thing, and we talked about this before too which I think is a lot to do with also the reason we don't have inventory, which is people are staying in their homes longer.
Speaker 1:Ah, yes, they are, Remember we used to always say five to seven years. Five to seven, that's what it was. What is years? Okay, the average was, then it went to seven or something and now it is 9.3 years. Oh, really, yeah, from 2009 to 2024 interesting, yeah, 9.3 years, that's a lot.
Speaker 2:That's a lot, it's a lot that's why the home improvement industry boomed and people got that. That's exactly right, because they're fixing instead of moving, yep yeah, staycations yes, staycations, exactly right.
Speaker 1:Yep, all right, we have anything else or not? I think we covered a lot.
Speaker 2:No, did you want to talk about BroGlo? Yeah, we can talk about.
Speaker 1:BroGlo, absolutely. Thanks for bringing this up. You know what's funny? They're not even sponsoring the show. I just love these guys, they're just really good guys. But I've been using this on my face and it actually has made me a little tanner. I didn't use it today, but like three or four, three days I used it and it really works. My wife's using it now. She's not a bro, but she is a glow, but this is. It's really good. These guys weren't Shark Tank, they're local.
Speaker 1:They're from the Exeter and Birdsboro area, and Mark Cuban is the one that signed up to help them move this thing along.
Speaker 2:He never signs people. No, he doesn't. He's like the hardest.
Speaker 1:This is a good product, though, if you met these guys and we have them on the wall over here. If you met these guys, hugo, you know they're fun, a lot of fun. Yeah, and uh, I just want to, you know, put a shout out to them. I'm going to keep it here for a little bit, until the show airs, because, uh, I think it's a great product. I just thought you were at the beach again. Yeah, what do you mean?
Speaker 2:again. I don't know what you mean by again.
Speaker 1:So, yeah, you have to try this stuff out. Broglo Just go online, look up BroGlo. It's the original BroGlo. It is face tanner and they also have body tanner, all this other stuff, cool, yeah, it works really well If you're looking to get rid of the white pasty winter. Look, that's the way to do it. That's the way to do it. There you go, right, hugo, that's right.
Speaker 1:That's right. That's right. All right, thanks, pete, for coming in. We appreciate it, like always. All right, there you have it. Pete Heim is here. Broglow is here. We're here every Thursday at 7 pm. Check us out on Facebook, instagram, youtube wherever you find your podcasts, we are there.
