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What does Escrow do and am I too broke to do financial planning?

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You will learn a ton, even if you are already in the real estate industry. But, if you have ever bought, sold or are getting ready to buy or sell a home - this is the show for you. Also, Financial Planner, Marci Bair tells some heartwarming stories and gives great advice. Please welcome our expert pannel: Maddison Levin, brook Kane-Wootten from Foundation Escrow and Marci Bair, Bair Financial Planning.

The quote of the week that you'll have to listen for is "There are some escrow hags.". When you hear it, mark the time it is at and tell us on our FB page https://www.facebook.com/bigdaddylive in the comments. We will pick the first winner here and on Facebook to find the timestamp of the quote. A different winner for each. The times are different, too.

Don’t put your finger in my donut.

Bryan's guest today is Rachel LaMar of LaMar Real Estate based in Carlsbad, California. We got off to a ranty start about food servers, delivery people and being caught on camera. It progressed to discussions about school safety and the empathy we have for kids today living with fears they should never deal with. We also covered streetlights, lions, late night and early morning calls are rarely good unless a baby is born and so much more! Tune in and catch some of the quotable moments below.

On the disgusting things people do to your food!

Bryan: This is so foul, so the delivery driver delivered it to the house, they had the ring system on and the dude literally, it shows the guy opening their cup, spitting in it, closing it and then handing the food to the consumer and I was like rawr.

Rachel LaMar: What about the girl who just a couple of weeks ago, a young woman who went into the store and ate some of the ice cream. She opened a tub of ice cream and then she ate from it and she videoed herself live on Twitter or Facebook.

Yeah, and well people are so stupid because they're on camera, especially the ones who intentionally film themselves doing something illegal.

Bryan: I don't care how famous you are, how much money you have, I don't care if you use hand sanitizer on those fingers, I don't know where those fingers have been. Do not put them in my donut. Well, you don't know where she had those fingers prior to putting them in the donut.

It was disturbing. Balls deep in salsa. (you'll have to find this story in the replay!!)

Think about your parents before you ... God, I know I'm old when I say that. You think about your parents before you pull the stupid card out. I would never do that to anyone in my family. Look, I've made some especially stupid decisions in my life, really, really, really bad ones, but they weren't filmed and they're not recorded, so like yes, the legacy maybe there or some people's memories of it, but like no - it isn't replayed as a highlight reel.

On School Shooters and our children's safety:

Bryan: Can you imagine being that young, going to school every day and it starts off in that realm like you're going to start off as a kid never feeling safe.

Ryan Alvey (the baby of the bunch): I don't remember metal detectors at schools.

Rachel LaMar: No, no.

Ryan Alvey: I don't remember being scared. I don't remember gun shootings or anything or anyone my age.

Bryan Garrity: No, but that's how childhood should be. And I'm not being some 1950's puritan, but that's how childhood should be. You should be able to go to school and start to find yourself and learn about others and not be worried about is somebody going to come and kill all my friends and my teachers and myself or whatever.

Rachel LaMar: School should be a safe place.

On hunting exotic animals for no reason:

There was a reason that lion was put away in a sanctuary. Look, they're there minding their own business in nature. That is not part of the ecosystem, some dumbass dentist from Michigan rolling into Africa and just killing for sport or killing for bounty. It's like I got a bounty for you dude, let's throw you in the clank for about a year and then see how you like it.

Bryan Garrity: Everybody's like you're animal rights advocates and you don't like guns and you're a snowflake. It's like sh*t if you think that, you don't know me. 

Rachel LaMar: Just last week, there was some children of a famous person, we'll leave it at that, online holding a beautiful, I think it was a cheetah or a leopard and just these huge grins on their faces that they had just killed on safari and yeah.

Ryan Alvey: Can you eat a cheetah? I mean, can you eat a cheetah? Is that even a thing?

Logic to fix our country: 

Bryan: Number one, so the country needs self-care. I really believe that. Am I off base? And look at the people with money and look what happens to them versus the people who have nothing.

That's so crazy.

Rachel LaMar: So, if you are famous and have money, you can usually get away with a lot of things and get a lot of things that others don't have access to, which shouldn't be. That's not fair, but that's the way this country works, unfortunately.

Bryan: ... this comes back around -  it is that disparity about you think about the people that are really struggling, that have nothing, or have families that are going paycheck to paycheck, it's like how do you close that gap and fix it? I don't know the answer.

On changing how we educate our children to they actually retain it and enjoy school:

Rachel LaMar: ...because most schools, public schools, are still taught with the teacher standing up front and lecturing to the kids and blah, blah, blah like the Charlie Brown, blah, blah, blah, go read chapter two and answer the questions at the end of the chapter.

A friend of mine wrote a great book and it's called, New School and it was all about really changing education and really combining self-study with going out into the world and learning that way with all different kinds of learning. Not just sitting in the classroom and reading this book and answering these questions, because kids are inquisitive and I've been to a local private school near me and I went into a classroom and they teach very differently at small round tables with small groups of kids and the teacher throws out a question and you see these light bulbs going off and they start ... and it's more yes, it could be a history class, but they're relating it to today and that's how we need to teach.

Bryan:  That's not always an easy thing to do, hold a room for eight hours. But I think that those models of collaborative learning, what you're talking about, endless circle, people being excited. There's something about that interaction and it not just being all about the teacher. I think it promotes a different kind of an environment for learning or growing.

On children as they talked about her book, Bennie Bear's Dream for Foster Care system and adoptive parents to help kids transition:

Rachel: You don't really think about it and there are so many foster kids, millions of foster kids in the system.

Bryan Garrity: They're lost.

Rachel LaMar: They just need love, they need a forever family.

Rachel LaMar: And so, some people want to adopt a baby and then, other people are worried about the problems they might have to face, because a lot of these kids, some of them have been traumatized, some of them have had ... you just don't know what they've been through and so it really is, it's not just ... it's more than just becoming a parent. You have to be ready to take on things that you might not take on with adopting a baby, so it's a big commitment...

From Lawyer to Realtor:

I was practicing law and then I got pregnant and then I just wasn't happy where I was and it just turned into this thing where I made the decision, but it was great, because I got to raise my kids when they were a little bit older, I had one in Kindergarten and one in preschool. I thought I need to do something, but I didn't want to go back to law at the time, because I wanted to see the first everything.

A lot of people have that story, but it obviously ... real estate's been good to me, so I can't complain.

And people think that they can ... any time the market gets great and all these people jump in thinking, "I'm going to work on the weekends and make all this money" and it's especially now like we talked about, everything, there's no easy transaction.

Ryan Alvey: I was an HGTV junkie, so I was one of those that were like oh you just show three houses and you make all this money, you work weekends. And then, obviously, you come to realize it's full time and there's a lot of work. There's a lot to it that people don't understand. It's not just throwing your sign in the yard.

Rachel LaMar: And just also, because the knowledge that you and I have is we see things from a different perspective, so it really helps our clients. Yeah, but you know, it's always I think until they make the standards to get into this business tougher, it's always going to be one of those things where people are coming in and out and constantly moving.

Bryan Garrity: Yeah, the barrier to entry's too low.

 

And I think somebody was trying to take me on about the barrier to entry to law versus real estate. It's vastly different worlds. You can't just enroll and do an online course and go take your real estate exam and get a license where you're dealing with people's biggest asset or assets, at the end of the day, you can tragically decimate someone's life. That part I don't understand. So you give it to somebody that's only tethered to a check, to me that's very problematic.

Be sure to subscribe here to our replays.

Special guest: Heather Shotke from The gramMarch Challenge is back!

This week we welcome back Heather Shotke from The gramMarch Challenge. For those who aren't familiar with Heather, she is a middle school teacher that started this initiative a few years ago to help make her students more aware of the words we use in writing for proper communication. The initiative started out just with her students and now has expanded to a campaign that has been adopted by many throughout the nation. 

Tribute to Robin Williams, talk on depression and Grammarch.org

The gramMARCH challenge is the brainchild of middle school teacher Heather Shotke, who has seen these abbreviated forms of language migrate from the screens of smartphones to the pages of her students' work product. She is shocked at the type of writing that comes across her desk – even in formal essay assignments.

Angie talked about clinical depression - it takes a profound level of empathy - it's a tidal wave that comes over you. Unless you've gone through it, you can't understand the depth and mire of it. Cause can be biochemical, trauma, substance induced...
 
Heather asked Angie what some of the signs to watch could be.

With adolescents, the conversation is more morbid, hopeless. But people or adults listening, often people minimize the signs out of fear.

There's a shift in all ages, but particularly with adults from deep sadness to this eerie calm.
When you reconcile that in your heart that suicide is the only option, getting their affairs in order, giving away sentimental items, changing wills.

Selfish element to it. But to recognize that requires something they don't have at that moment. We look at it that way, but the despair is that profound at that moment - they cannot see it.  We're talking about sublimation - like Picasso - they turn it into a talent. Many say "don't cure me!" because they are fearful that the fix would ruin the art form.

Realty, Reality and Archie Andrews

WOW! Turn Bryan and Drew loose on a show when a guest has to cancel and it is a full show. You'd think they had a full panel. It was quite a show full of  topics.


The real person you want to list your house is ME!
We don't want to spend the whole show talking about real estate - you've heard business shows today before this came on. If you need to buy, want to buy, want to see, need to sell or don't know - call me, make an appointment. Let's make a plan

OK, let's get back to the lifestyle portion of this site.

If you are in distress, don't be - pick up the phone.
Call about anything regarding real estate. Doesn't matter what part of the county it is in. We treat each house as it's own unique business proposition.

All about handing volume consistently, but knowing when to say when.
That's why we have our preferred vendor, Wes Shaw of RPM Mortgage.
You always want to be planning.
BREAK IT DOWN for the folks - make it NOT boring.

Sales are primarily back to traditional, but there is the reset for those loans - those balloon payments - we are going back to short sales coming back on the market. Stuff happens - jobs lost, jobs changed - you need help - call us!

Archie was shot and killed? We'll cover that after the break.

Some talk about Real Housewives and our friend, .....Tamra
DUH! Do you not know this is not 100% reality? Really? Folks - it would be boring or a hot mess if it was all REAL. Gotta edit, stir it up... come on.
There is talk of reunion filming as the show ends...

If you missed Ladies of London -try to catch it on Hulu.
We are THE reality show junkies.
The culture differences between the American women and Brits - THAT's interesting.

Don't judge us on this. Bryan has his law degree, is very educated - he just loves these for entertainment. Drew's on board with this too. Hey - we know these shows are ENTERTAINMENT - we know they are not our friends or real people - they are characters coached.

Shout out to Marisol Patton.

OK, back from break..

Going to Tahiti. UNPLUGGED is the KEY! Soak in the surroundings, take pause.
Mykonos was another favorite. Stay at the Mykonos Grand - save up - do it right!

Heather Shotke from GramMarch will be back on. We will be supporting her upcoming events. 
Time to get back to complete sentences in schoolwork, business correspondence and more.

What about Archie? He's been around since 1939 - why did they kiill him off? Is this a political statement.

He was killed because he was defending his own openly gay friend, who is a senator on the topic of gun control. That brings us to Gay Pride. San Diego Pride week.
LGBTG - gotta get them all in there... It's more than the extreme folks in their underwear they like to show on the news. Gays own businesses, have families, get married, support charities, hire people..

THOR is going to be a WOMAN! What a courageous move for Marvel! Should be interesting.

May 29: Ember Deflector Inventor James Kazmarek

From the Inventor of the Ember Deflector System, James Kazmarek.

After moving to southern California almost twenty years ago, I became personally aware of, and extremely concerned about, wildfires. Wildfires are as destructive as tornadoes and hurricanes. Each year, one million acres of land is burned in the continental United States. In 2007, almost two hundred thousand acres burned in southern California alone. Over five hundred thousand people were displaced from their homes, fifteen hundred buildings were burned, and many people were injured, some died.

Damage from a wildfire can be significant! With the Ember Deflector System Wildfires have finally met their match!

Wildfire have a devastating impact on human and animal communities. I investigated why many so homes, especially ones with fire resistant stucco exteriors and cement tile roofs, burned. Embers get carried along with, or blown miles ahead of, a wildfire and catch homes on fire before the actual flames.

Don’t Let This Happen to Your Home!

My background in construction and engineering helped me understand that eave, soffit, gable end, gable roof and foundation vents make homes vulnerable to embers.

http://emberdeflector.com

April 24: Mary Wight on Nutrition and Obesity

mary-wight.jpgMary is a member of the team at Olde Del Mar Surgical center. She is Bryan's nutritionist as he is progressing toward a VERY healthy lifestyle. Today they discussed nutrition in today's society and will be talking with her in the future about childhood obesity and tackling that problem along with bullying. Sometimes they go hand-in-hand.

Mary is an integral part of our team, supplying the nutritional component to your weight loss journey. She has experience working with patients in both inpatient and outpatient settings with multiple disease states (Diabetes, Heart Disease, Kidney Disease), as well as eating disorders and behavioral health. Mary will guide patients in making the necessary lifestyle and nutritional changes before and after surgery to help prepare them for great success. Our surgical weight loss program requires the support of a registered dietitian as a part of our interdisciplinary approach to your weight loss journey

February 6: Talking about healthcare and advocacy

Down Home just with Angie and Bryan

Healthcare - discussions because Bryan had to take his mom to the hospital - have to stay on top of your own healthcare and advocate for those you love!  Urgent care sent her home saying that she sprained her neck. WHAT? She has an autoimmune disorder. TAKE NOTES, go to all appointments with your loved one - send someone to ask questions, take notes and advocate. Doing the urgent care shuffle.

December 5, 2012: Kristen Mosteller

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Kristen Mosteller is back in the studio discussing a creative application that is launching to help engage children in making education fun.  This is a cause she deeply believes in.  I got on board yesterday.  You should look it up for your young ones and let us know what you think. letsleapforward.com. Angela was on the show, as well as we heard the passion Kristen has for this creative solution for inspiring children to learn.