Table of Contents - Breakthrough Real Estate Investing Episode 1
Sandy MacKay [00:00:01] Breakthrough Real Estate Investing podcast Episode one.
Rob Break [00:00:16] Hello, everyone, and welcome to the very first episode of the Breakthrough Real Estate Investing podcast. I am one of your hosts. My name is Rob Break. And here with me is your other hosts, Sandy Mackay. How are you doing today, Sandy?
Sandy MacKay [00:00:29] I'm awesome. Awesome. Really excited to be doing this. Finally, for those of you out there, I don't know. Rob and I have been. Going at this for a while, talking here to pretty much daily, I guess, haven't we? Yeah, definitely. And yeah, so we've been talking daily about real estate stuff, different ideas, investing and everything here in the GTA and kind of just figured we should start recording some of this stuff because we've had some really great, really great discussions there. And, and yeah. So this is kind of just basically how we talk every day almost.
Rob Break [00:01:05] Yeah, definitely. The show is born out of all of the ideas that we bounce off each other and all of the inspiration we were given to each other, we figured, why not share it with everybody else?
Sandy MacKay [00:01:15] Yeah, exactly. Exactly. And then so that's what we're gonna do here.
Rob Break [00:01:20] So we got a little tagline here describing the show that we wrote. We put this show together to inspire you and help you live the life you want to live through. The power of real estate investing.
Sandy MacKay [00:01:32] Exactly. I love that line because that's that's kind of what we've been doing so far. And so to show some love here, we actually have some free gift for you guys and everyone listening. If you want to pop on over to break through our podcast, Zeya, let's break through our podcast Dossie. And we've got a free report up there for you right now, actually called Secrets of the Financial Industry. Some really good tips in there about how to avoid paying big fees on your investments and basically avoid getting getting screwed by anyone out there. So that's definitely an interesting reading. And go pick that up right now and please, after the show, feel free to leave a question, comments or review on iTunes or wherever you're listening to this podcast that would really appreciate that. Unless you, of course, hate the show, then maybe you should maybe you should just keep that to yourself. And any feedback, any feedback would be, of course, giving there any feedback would be greatly appreciated. Love to hear from you guys.
Rob Break [00:02:41] So today on this, the premiere episode of Breakthrough Real Estate Investing podcast, Sandy and I are going to give you a little bit of insight on who we are, how each of us got started in our real estate investing careers. And then we're going to discuss our mission for the show and what you, the listeners, can expect to gain from listening to each and every show that we're going to put out, hopefully. Well, to start out, hopefully monthly and we'll go from there.
Sandy MacKay [00:03:09] Yeah, exactly. And then also we're going to finally we're going to give you three steps on how to make this year your most successful year ever, given the fact that this is January. And I know a lot of people are making some resolutions and and trying to make this year hopefully a better one than the previous. I'm going to give you three steps there on how to make this three really, really simple and easy steps on how to make this year your most successful year that you've ever had in your life. So really excited to bring you that makes you stay on once we get past some of these introductions that we're going to do here right away.
Rob Break [00:03:48] Yeah, all right, so first, the bios are, well, a little brief introduction on who we are and how we got started. And Sandy, did you want to tell us how you got started in the real estate investing field?
Sandy MacKay [00:04:01] For sure. OK, so I'll try and be as brief as I can. I want to let you guys know a little bit who we're hearing here today. So I started out basically working with a company called Property Guys Dot Com. And for anyone who knows real estate or have been noticing some signs around these days, you've probably seen some some of their signs. They're out there just along with all the realtor signs. So most of you probably have heard of them are they're basically the largest private real estate marketing company out there nationwide and everything. And, yeah, that's that was my first dove into real estate, really, with that company. And basically I would act like a real estate agent. So I would go around, I would meet with homeowners who were looking to sell their home and I would basically sell them on the property guys dotcom package, which is, of course, a private sale idea. So we would tell them, you know, teach them how to market their home properly. We give them all the signs, do the website ads, MLS ads, classified ads, virtual tours, photos, all this great stuff. So that kind of got me into it. I almost acting like a real estate agents.
Rob Break [00:05:18] So those would go up on the MLS as well.
Sandy MacKay [00:05:21] Oh, yeah, yeah, they to actually use rates around the point where I was actually I think I was working there a little bit before where we didn't have the MLS access, and then they eventually changed that law around a little bit and we were able to to put them up on MLS. Yeah, that was at the time. That was a big. Big deal, actually, for for that company.
Rob Break [00:05:41] So you had access to MLS the same way as any other real estate agent would, or was there some kind of limited access there?
Sandy MacKay [00:05:49] Yeah, it was limited. It was limited on our end, at least. As for myself, we basically would do up the ad and everything and then basically send it over to a partner agency and they would actually put the ad up for us. So, yeah, it's kind of a roundabout way of getting up there, but but it was good for the for the home, for the sellers, for the homeowners, because obviously that's a big spot to advertise. So, yeah, that was that was cool. That was that was my first dove into it. And it really actually helped me learn a heck of a lot because I would basically go into into pretty much one home every day. I'd say average. Sometimes I do three or four in a day. And and I got to meet some homeowners here about what their needs and wants to see some homes, check out what the houses are like right here in Durham region. And I really taught me a lot actually on on real estate and the whole industry.
Rob Break [00:06:54] So you learned a lot about this local market here?
Sandy MacKay [00:06:57] Yeah, that was the coolest part actually in the end was was just we were right here. I was basically in charge of Whitby watch. I started in Ajax. Then I just started giving me a few more territories. So we owned that franchise, owned basically all of Durham. So I had most of Whitby, Ajax and Pickering basically were where I focused on. So we really got to know them there as well and met a lot of a lot of people there. So that was great. And and of course, I wasn't into investing at that point yet basically one day when I was still working there. I got a call from my girlfriend, Kate Hughes, who, if you're listening here, you probably all know her as one of our partners at Joint Ventures for Profits. And she basically told me, Sandy, we're going to this real estate investing seminar. It's in a couple of weeks. She was all excited, I suppose she heard the ad on the radio for it. And of course, there was a rich dad seminar. So, yeah, it was one of those and she was all pumped up about it. We're going to make all this money. We're going to be rich, are going to learn all this, all these real estate concepts and investing ideas. And and she was all pumped and excited. So said, OK, let's do it. Let's go see what it's all about. I think it was only one hundred bucks for the weekend, and so we went and checked that out. I really had no idea what we were in for, but it was it was, you know, in the end at the end of the day, I was actually pretty good.
Rob Break [00:08:27] Was Robert Kurosaki there?
Sandy MacKay [00:08:29] Now he wasn't there. I would have been better, I guess.
Rob Break [00:08:36] So it was mostly mind set or was there a lot more strategy involved in that? What was it?
Sandy MacKay [00:08:43] Well, it was mostly just it was a lot of just hard selling, really. It came down to. But but it was all it was mostly investing in the education part of it, mostly investing ideas and concepts and basically like a lot of like no money down strategies and that sort of thing. So that was cool. Actually, a lot of things that I know investors that have been around for ages probably don't even really understand a lot of those ideas that they have there. So there's a lot of cool ideas and concepts that they were teaching. One of them and the one that we got kind of hooked on and started with was wholesaling. I know, Rob, that's kind of your start as well. So that was kind of cool, too. Yeah. And, you know, we also made some like I don't want to knock that weekend too much because we actually made some contacts there that I still speak with. So it's great for networking and learning some ideas. But we got going in the wholesaling, of course, that didn't require too much money and we didn't have a whole lot at the time. And, you know, we just wanted to get in and somehow get started in this in this industry. And so we got into wholesaling and we started out in Durham because I knew, you know, I had already been working in the area and I still was. I kind of figured, you know, I'm going to need all these homes anyways. Maybe I'll find a dump or something along the way and I'll be able to maybe wholesale it. And that actually never happened because most of the private sellers don't really live in dumps. They live in decent houses. And so that's never happened. But, you know, it's cool to just be out there looking at houses in a different kind of with a different kind of mindset there and thinking differently about them. And, you know, since then, we've been doing our wholesaling, doing some a few deals here and there and meeting a ton of investors and networking, going to tons of events, seminars, all this stuff. And and, yeah, eventually we ended up you know, we hooked up with Rob here. We met you at where did we meet you first? At the Durham area.
Rob Break [00:10:42] I had spoken to Kate actually before that. Just briefly, when I had when I started out, you guys were already at it. And I called up Kate because I had learned that you could do something called bird dogging, which is where you find a property for an investor who's looking for a property to sell to somebody else. That's a little bit complicated. But, you know, it's a good way to break into investing. And I had called her and we got talking. And then I met you guys not very much longer after that, about maybe a month longer or a month after that at the Durham Real Estate Investing Club meeting.
Sandy MacKay [00:11:21] Yeah, and I mean, we know we both still go to these Jeremiah Wright events pretty much every month. I mean,
Rob Break [00:11:27] I love them.
Sandy MacKay [00:11:28] Yeah. For anyone. I mean, we won't touch on that too much today, but, yeah. Anyone out there in the Durham area. Definitely. Definitely. We both I know we both would highly recommend checking out that networking or not more than just networking events. A Meetup group, I suppose is what it is. And yeah, it meets every month. So check that out too. If you if you want their Durham, I. Anyways, I mean, I've talked a lot about myself, eventually I'll just finish off with, you know, eventually we we built up our capital a bit and we we started trying to look to buy some deals Kate Kate ended up doing. She jived with her mom on a flip project that was pretty fun and definitely learned a heck of a lot in that during that process. Eventually, we ended up buying our first buy and hold property in Oshawa. And that's been really cool and fun so far, still on that one. And we just figured now we want to give back some of the knowledge that we've gained. And and like we said earlier, you know, we've been talking about this for so long, we might as well start recording it. So that's kind of where we are now.
Rob Break [00:12:39] OK, well, that was great. So a little bit about me. I accidentally became a landlord about six years ago. My wife Jennifer and I bought a house next to some of our friends and just happened to be a legal duplex. So we started renting out the lower unit and that was really our introduction to investing. We didn't know it at the time or even think of it that way at all. We just thought it was cool to have a bunch of extra money coming in. But, you know, as we as we kept on going, we started to realize the potential of rental property.
Sandy MacKay [00:13:16] How much we you bringing in at that time. You know, you remember
Rob Break [00:13:19] I think it was six fifty for the basement apartment of our house. Right. And it was a legal duplex. We lucked out there, actually, you know, not knowing anything about anything, really. We could have bought it and it wouldn't have been like, you know, we wouldn't have known if it was an illegal apartment. We probably would have done the exact same thing. Yeah, but I mean, there's many, many benefits for from it being legal.
Sandy MacKay [00:13:45] Totally. Totally.
Rob Break [00:13:47] So as we started to realize the potential of rental property, we did start to think about picking up. Another man running it out as well. We were turned down over and over by the banks and we looked into try Plexus and a couple of other duplexes, but we couldn't really make any of them work. We weren't able to to do that, but we were able to hang on to our first duplex and we decided to move to the new house that we live in. Now, right around that time, our first son, Anderson, was born and I started thinking, you know, I'm really, really tired of being gone to work for 12 to 14 hours a day, every day, all week. There's got to be a better way. So you get caught up in the grind and you just keep going. You just keep following those motions every day doing what you've always been doing and you just keep going back. But that was always in my head. So then about two years ago, our second son called and came along and again, those thoughts just started knocking at my head. There's got to be a better way. I don't want my kids to be gone to daycare for ten hours a day while Jennifer and I are both at work. You know, I didn't want my life to just be all about work. So then I started researching because, you know, those fix and flip TV shows that you'd always see on home and garden, whatever other channel that they were on. And I flip this house, that kind of thing, HDTV.
Sandy MacKay [00:15:20] That's right.
Rob Break [00:15:21] OK, flip this house, flip that house, those two different shows or those same show or was there only one?
Sandy MacKay [00:15:29] There's so many. I don't even know. There's so many. Flip this whatever. I don't know. They're probably two different shows. Income property is one of them. There's tons. Yeah.
Rob Break [00:15:39] So we'd watch the I'd watch those all the time though because I was always interested in doing that. You know, you'd see all the bad planning and stupid mistakes that the people on the show were making. Now know I can do that so much better than they can than they are.
Sandy MacKay [00:15:56] Yeah, I hear you. I know. It's funny. It's comical, I guess. I guess that's part of the entertainment factor. It must be.
Rob Break [00:16:04] So I searched and looked for good info on house flipping. And what I actually kept finding over and over again was a lot of information about what you were talking about earlier. That's something called wholesaling. But wholesaling is is the idea of buying real estate at a very low price and then selling it at a low price to someone who wants to fix it up. So you would make a little bit of money on that transaction in between.
Sandy MacKay [00:16:31] Now, it's a simple concept, isn't it?
Rob Break [00:16:33] It is a pretty simple concept, it's hard. Like you said, there is so many people that even those experienced veterans and real estate investing, they do. A lot of people haven't heard of it. And if you run this idea by a lot of people to tell you it's not even possible, but you can do it. And we have done it many times over both of us. And it does work. And it's a great way to make money.
Sandy MacKay [00:16:58] Yeah. In Canada, it works not just in the U.S..
Rob Break [00:17:00] No, I didn't move down there to do it. I stayed right here.
Sandy MacKay [00:17:04] Might be easier down there.
Rob Break [00:17:06] It would be easier there. And the weather is much nicer and a lot of places definitely. But, you know, I spoke to Jen and she encouraged me. And so I jumped right in and just started out. And that was, you know, we've picked up some other properties to hold on to as well. And we just went from there.
Sandy MacKay [00:17:27] I think we talked before. Maybe you do have some other ideas, like why did you end up choosing real estate? Why was that the like? Why is that the one that stocks you know,
Rob Break [00:17:36] I don't know. I was searching for it. I know that because when I found it, I knew what I knew I'd found when I was looking for I mean, I was always my wife was almost to the point where she was just fed up with every idea that I had. I had many things that I went after. I knew I was looking for something else I didn't want to. Stay at my job, you know, my traditional job, so I was always searching for something, I had too many ideas to even get into, but I was always looking for something. And when this came along, you know, it's funny. I would always have dreams. I would constantly have dreams about houses and property, like finding I'd always find treasures in houses. And I would and I'd say to Jed, what what are these dreams mean? And a couple of times we actually went on to websites or whatever and tried to interpret what they mean. And, you know, looking back on it, I go, wow, it was so simple. It just just about real estate, the plain and simple.
Sandy MacKay [00:18:40] It was their calling, I suppose, in some way.
Rob Break [00:18:43] I feel that way. Yes, that may sound, I guess.
Sandy MacKay [00:18:46] Plus, there's the plus is a heck of a lot of ways to make money in that, right. Oh yeah. That's that's a cool, cool little bonus part of it too.
Rob Break [00:18:54] Yeah. Not just a hobby. OK, so when Cindy and I put this show together, we discussed what the mission should be for the show. So what we came up with is our goal for the breakthrough real estate investing podcast is to make you never want to miss out on a single minute of this show. And the way we're going to do that is by bringing you top notch guests interviews with highly knowledgeable people in the industry right now that are making it happen.
Sandy MacKay [00:19:24] Yeah, exactly. And, you know, all people that we we know or we've met or talked to recently or over the years, and they're going to be awesome, awesome guests. I think we're going to have a fix and flip or rehab investors buy and hold investors. We're going to do tons of joint venture talk, you know, a lot of a lot of the fix and flip investor, the buy and hold the guys. They'll work with joint ventures anyway so we can probably touch them that with almost everybody. Talk to some other wholesalers, property managers, definitely some real estate agents and mortgage brokers, everyone that's in the business, all professional, is kind of making this all happen. And, you know, established investors and, you know, all these people will help us and help you guys. We'll share the knowledge that their wealth of knowledge with you and with us, too, and with all of you, the break through our podcast listeners.
Rob Break [00:20:16] And also staying really focused on this local market is important for us with this podcast, because even with all of the other information that's out there, we found that there's really nothing is focused on Durham region and the greater Toronto area
Sandy MacKay [00:20:31] and this local area. There's pretty much nothing. I mean, know, we looked we looked just to see if anyone was doing anything like this. And there seemed to be a couple of people that started and then didn't finish this kind of thing.
Rob Break [00:20:45] Yeah, a couple of podcasts. And then they were done. And that was years ago, too. You know, I would always get really disappointed because I'd find something with Canadian content and I'd grab it and I'd find out there was only four episodes and they were all from twenty seven twenty, something like that. So hopefully we can bring you all some really relevant information and some entertainment.
Sandy MacKay [00:21:16] All right, so now we got got all that talk out of the way, we can finally dove into some some real content here. I want to give given that it's January here, I want to or we wanted to provide something here that we call three steps on making this year the most successful year ever. And these steps are pretty simple. In the end, it's really all about organizing your thoughts and and getting your head right for setting your goals for this coming year. And I really like the name of this and I call it stop, drop and roll,
Rob Break [00:21:49] just like you were on fire,
Sandy MacKay [00:21:51] just like you're on fire. So, you know, everyone's heard the stop, drop and roll before, probably as your kids and stuff, learning about, you know, I got the firemen come to your school or something like that and they tell you to stop, drop and roll. And it's kind of a similar similar idea here, similar concept. It's not just the words. It's actually kind of in a way similar. And yet if you just follow these steps, you're going to be on fire. So let's do it so three steps are, like I said, stop, drop and roll. The whole point of this is to get your goals set out, but in a way that you actually are going to accomplish them and you're not going to be sitting here on March 1st or in February 1st, even being like, oh, crap, I don't even remember what my what my goals were for this year or my resolution was or however you want to set that up. So this is kind of what I've been doing over the last couple of years. And it's not the only way to do it, but it's a really great way. I think that works really well for any business, particularly in real estate investing. First thing I do is just stop, OK? Stop everything you're doing, you know, take a breather and reflect reflect back on on your year, on your previous year and and what has worked, what hasn't worked. You ask yourself some questions. So how have I grown in twenty thirteen compared to the previous year, you know, what were my successes in 2013. How did how do these successes compare to my successes in 2012? And the cool thing about this is if you actually do this and you write these down, you can actually look back on your 2012, on your statements or your whatever you wrote for yourself, and you can compare them and see how your successes lined up. And your end goal may seem like it's way off in the distance. And if you're climbing Mount Everest and you feel like you're still at sea level, then obviously, you know, it seems so far away. And that's that's the problem with most people, is it seems so far away that it's unattainable. If you take a second to stop and look at how far you've come in the last year, you know, that's a really good way to motivate yourself and keep motivated and inspired to keep going, because you can see, like, wow, I've actually come a really long ways in the last year. I just think if I keep keep that going this year, I'm going to be that much farther ahead. So it's really just about gratitude and and celebrating your successes. So stopping reflecting on your past year and and taking a moment to maybe give yourself a pat on the back, celebrate what you've succeeded in. And you know, those two things right there are going to help you stay motivated and confident and and eventually you're going to feel a lot more fulfilled in life if you actually take the time to do this. So that's number one is stop, stop and reflect.
Rob Break [00:24:45] Wow. That was great. That was great. OK, well, the next step is drop, so what you want to do is drop all the garbage out of your mind, you know, try to clear your mind of all that excess baggage in your life. What can you get rid of? What can you stop worrying about in your life or your business? There's always something that's nagging at the back of you. And of course, everyone has these problems and things that they have to deal with every day. But there's a lot of garbage that you can get rid of, that you can filter out so so that your brain can stay focused on the things that matter. You know, there's there's always something that you're doing that doesn't produce results. So what you want to do is shed that excess weight focus with a clear mind that will move you forward in are the things in your life or business that you were doing but that someone else should be doing. Instead, you delegate these jobs. Your time is better spent on tasks that require your specific expertise to learn how to outsource.
Sandy MacKay [00:25:48] All right, so we've got to stop, we've stopped and reflected what worked, what didn't work, what are our successes? We celebrate a little bit. We've enjoyed that aspect of it. We've dropped so we've dropped all the excess excess weight. And the baggage that might be there in your life hopefully come up with a few ideas on how you can delegate some tasks in your business or in any part of your life. And and hopefully, you know, maybe found somewhere, some ways or some areas where you can outsource some things. And now it's the fun part. Now it's the time to roll. So this is where where most people actually begin. They don't do the drop or the stop part there. They just want to roll forward. And and so this is the one where, of course, everyone is excited and everyone everyone usually does this anyways, but they usually don't do it in a very good manner. And and this is the goal phase of it all. And like I said, most people, they at least do this or I shouldn't say most people some people do this, but they don't do it very well. You know, it's really simple. This part really is it comes down to making goals, setting goals and setting them properly, making sure they're measurable. It has to be something that you can actually measure or else you never know if you really succeeded at it or not. And they definitely have to be date stamped. So they have to have a date that has to be a finish line there for you. It must be something that you're going to accomplish either this year or know. I like to do one big goal for the year, but then break it down into segments so you have your three months and maybe you do a weekly set of goals or maybe just one month. You know, there's a lot of different ways you can break that down. But as long as you're making the measurable and you put dates on them, then they become real and you write them down on paper and they become maybe not just goals, but they become what I like to call outcomes. Outcomes are something that actually an outcome happens in life goals. You know, they sometimes happen. But unfortunately, for a lot of people, they don't ever happen or they forget about them by come February. So I like to call them outcomes. And if you write them down, then they they definitely become outcomes a lot more often.
Rob Break [00:28:05] Yeah, and, you know, one of the things that that we've that I've learned is if you reverse engineer from so you've got your goal and you take that goal and you reverse engineer from there, and you can really do this in a practical way where you say, OK, if I want to get here, what do I need to do to get let's take wholesaling, for example. So if you want to do 12 wholesale deals, let's say, in the next year, so that's one every month. OK, so then you go, how much marketing do I need to do to get however many callers it takes to get however many deals out of that thing? And I mean, it's that kind of stuff is actually a little bit more area specific, and it depends on what kind of advertising you're doing. But, you know, you can reverse engineer to get to where you want to go. And it's and it's not just dreaming. It's setting a goal and getting there by doing things practically.
Sandy MacKay [00:29:05] Yeah. Perfect. Yeah. So that very well. That's exactly it. To where you can definitely reverse engineer it. I like to look at him as you find out your purpose for the goal to another important part of it and give yourself a really good y y factor. And why are you doing this? You know, you don't want to just come up with your goals or outcomes. You want to come up with a reason to get them, because otherwise you just, you know, why are you doing them? So if you come up with a really, really good compelling why or your purpose for achieving these goals, to then they become something that you must you must accomplish it because you really want that. Why ask me something really, really, really gets you into something you really, really desire in life. But if you come up with that and you write it down as well, then it's something that you you must accomplish. You know, it's not just a should it more turns into a must in your life.
Rob Break [00:29:57] You give yourself no choice.
Sandy MacKay [00:29:59] Yeah, exactly. Yeah, exactly. It comes you know, if you have a really clear purpose, then then you're going to do everything you can. You're going to stop at nothing to accomplish that.
Rob Break [00:30:11] To be a little more practical, let's just say for those of you that for those of you out there that don't have any goals right now, let's set one set, one goal that you want to achieve in the next month.
Sandy MacKay [00:30:24] Yeah, so I just want to encourage everyone out there to take some time today, if you haven't done so already this year, even if you have done it a little bit, take some time today and make sure your plan is set up for this year. Design a plan for you, for your life this year, not just in business, not just in real estate. But, you know, I like to bring in my whole entire life into this and have a plan for your life. You know where you're going. Set your outcomes or your goals, however you want to call them. Know why you're going there, know your purpose and your why why are you reaching why are you going to reach these goals? What's the plan there? And then last but at least start taking action on these make design, a plan of action steps can come up with a plan, you know, with steps and follow through on them. Take action. Don't just sit on the sidelines. You've got to jump in at some point and go for it. So take action on these. You can reverse engineer, like Rob was saying earlier, know what you're going to do, what you need to do this month in order to reach that end goal. No need to do this week. Break it down into daily, into daily, a daily plan, even just regardless of how you do it, just set it up, take action on it, and and you're going to reach your outcomes. You're going to have the most successful full year you've ever had.
Rob Break [00:31:51] Yeah, that's great, that's definitely great, and I think we're about at the point where we're going to wrap it up for this episode. I think that was a great first episode.
Sandy MacKay [00:32:01] Yeah, yeah, hopefully everyone learned some something new there. Hopefully, hopefully you're going to actually do something with this and yeah, that should be great.
Rob Break [00:32:10] OK, so if you want to know more about us, you can go to Dave for profits dot com. There is some free stuff there for you. Again, like we said earlier, a lot of good free information there. So make sure you check that out. Also, you can go through to us so you can go to breakthrough homes, dot com or break. RCI podcast Dossie.
Sandy MacKay [00:32:32] Yeah, so go check those out now and yeah, like like Robert said, I got some free giveaways there for some free reports, a lot of valuable stuff on on all of us sites, really, that you really want to make sure you take advantage of in order to get your real estate investing business or any business moving forward.
Rob Break [00:32:51] And don't forget to go to iTunes and you can leave us a question or comment or write a review and please, if you have a burning question that you want us to answer on the show, then just write it down in there and we will get to it.
Sandy MacKay [00:33:04] Perfect that we will hopefully chat with everyone again next month.
Rob Break [00:33:09] Right. Thanks for tuning in and we'll see you all next on.