WEBVTT

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You're listening to the John and Heidi
Show Bonus Hour. If you miss any

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of the program, you can find
a podcast at the bottom of the page

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at Donny radio dot com. Do
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dot com. Thank you for listening to

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the John ed Heidi Show on New
Year's Day. I have a lot of

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fun stuff we're gonna get to today. We do have Brent Baker joining us.

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We also do have a comedian that
we're gonna be chatting with here in

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a bit for Snowjamcomedy Festival. I
do not have this day in Sioux Falls

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history. Sadly, I don't have
that for January, but hopefully we'll have

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it back tomorrow. Thank you for
listening bright and early on this January first,

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New Year's Day edition of The John
and Heidi Show Bonus Hour. Invite

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your friends and family over to make
memories with a fun game night. Very

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Special Games dot Com has five fun
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Games like Ransom Notes, the Ridiculous
word Magnet game Abduction, a weirdly

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strategic game of Doug Kidnapping, Then's
with Benefits, the hilarious even Diagram game,

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Puns of Anarchy, the Outrageous pun
Making Game, and Charity Party,

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the game of Absurdly Funny Charts.
Find these fun games and more at very

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Special games dot com. That's very
Special games dot com. Thanks for listening

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to The John and Heidi Show.
Very excited to have Brent Baker joining us

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once again with a little real estate
update. And we recently started going through

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a list of realator terms and things
that maybe you'll hear a realtor talk to

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you about, and you're going,
what in the world do these things mean?

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And what is the next term on
our list here? Brent equity.

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Equity is what you are gaining with
every payment in your house. You own

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more of it, you own a
higher percentage of the original purchase price,

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and you can gain equity just simply
by time. Even if you paid cash

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for the property, you gain equity
through appreciation of time escalation clause. So

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for those who are buying in the
last few years, a lot of escalation

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clauses. You wrote an offer for
X amount, and then if another offer

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came in, you offered to pay
the X amount of dollars more than the

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highest offer up to a certain point. It's a tool that was used a

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lot, and it's great for some
people, not so much for others.

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If you don't have the ability,
and I've had sellers who just were mad

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at the whole thing. If you're
willing to go to X, you should

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have offered X. And so I've
had sellers turn and down those offers altogether

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and go with the person who swung
their bat the best. Yeah. Escrow.

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Escrow is funds that are set aside. So sometimes it is for a

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repair that is to be done down
the road after the closing. So we

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are in the wintertime, we're considered
escrow season for painting and shingles. So

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if an appraiser would say I need
those shingles replaced, they escrow the funds

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to do that, so that when
the season permits they can repair the roof,

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replace the rough and then pay the
contractor. Nice. And it's also

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used for other things, but that
is probably the more general or easiest way

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to understand it. A fiduciary that's
a legal relationship. So I, as

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a realtor, have fiduciary responsibility to
those who are under contract with me to

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help them buy a home or to
sell their property. I owe all of

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my legal and ethical responsibilities to that
party. You're on their team. I

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am on their team. Nice fixed
rate mortgage and that's different than an arm

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very different. Yeah. Nice thing
about a fixed rate mortgage is it is

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the same interest rate through the life
of that mortgage. It will not fluctuate

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them and that doesn't matter based on
what the Fed rates do any of that

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stuff. This is this is fixed
period, correct, So if you get

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a fifteen year mortgage, that interest
rate will be there through the entirety of

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the fifteen years. Nice thirty year. It's a nice way to go because

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now you know exactly where you're at. There were some people who got some

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really nice fixed rates recently, so
and I still hear about it even today.

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Oh, if I could just get
three percent yeah, or to something

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yeah, no kidding for sale by
owner. So this is a homeowner who

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chooses to go it alone. They
are going to be responsible for the showings.

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They are going to be responsible for
negotiating and following through on all of

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the deadlines and all the things that
are entailed that a realtor would normally handle.

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They're responsible for their own marketing.
Like I said, they have to

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make the showings, they have to
be available when the buyers are available.

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It's not for everybody. Yeah,
and some people are very good at selling

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their own and some people should not. And one of the things, because

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I've talked to people who are selling
their own home, and one of the

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things that I will tell you is
a lot of the time, one of

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the things I noticed, they are
emotionally attached to that property. And sometimes

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they think that things are worth far
more than they really are. And I

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think that might even be why they'll
choose that, because they're like, well,

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this realtor came and told us it's
only worth this much. Well maybe

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that's what it really is worth.
And now all of a sudden they think

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and it's worth so much more because
you know, again they're emotionally attached to

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it. So we find for some
people they think they're saving money statistically,

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they're not. Statistically, they're leaving
a lot of money on the table,

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even after they pay a commission or
a fee, whatever the case may be.

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Sometimes it is emotionally attachedment well,
and think about having an entire team

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of people helping you do it,
rather than you're doing it on your own.

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So we do this every day for
a living. Yeah, so you

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would think we know what we're doing
and who to talk to, and deadlines

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are important. We might be a
little biased in this room right now,

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but I'm not biased at all.
All Right, what is the next one?

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I'll let you get on the on
the road here again? For closure?

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Oh so we should have stayed with
the other thing. It's kind of

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a dark subject. Yeah, it's
not good, but closely related to default.

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Yeah, if you can continue to
default and don't make reparations, you

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will be in forclosure and somebody else
will own your home. Not a good

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place to be. Not a good
place to be. And again, I

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think this would be a very good
place to take a break. And we'll

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come back next week and we'll work
our way through the list Brent. If

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somebody would like to reach out to
you this week, what is the best

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way to get a hold of you. You can find me at Brent Baker

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at kW dot com or my number
is six zero five three to one zero

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zero two nine seven. Very nice. You can also find him online at

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clients FirstGroup dot com. If you're
planning for the new year involves getting your

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Learn more now at mintervention dot com. Thanks for listening to the John ed

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Heidi Show. Excited a visit right
now with one of the comedians who will

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see at the Snowjam Comedy Festival coming
up here in just a few weeks now,

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Kadijah Cooper from Minneapolis. Kadija,
how are you? I'm doing good?

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How are you I'm doing great.
I was telling you ahead of time,

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I would like to just say your
name over and over. It sounds

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really cool, Kadija, thank you. It sounds like a luxury car,

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like, oh, he's driving the
new Kadijah. I love that. I

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absolutely love that everybody would like to
drive the new Kadija. I think that's

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just the way. So you got
to start making cars, you know,

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I don't know. Yeah, I
already envisioned the like Beyonce on the commercial,

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like it's just pop tier luxury.
Yeah, I get it. So

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now, how long have you been
doing stand up comedy and what was it

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that got you interested in getting into
this weird little industry. Yeah, that's

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a really good question. So I've
been doing comedy since twenty eighteen, so

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about almost sixty years is now.
And how I got into comedy. My

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mom is actually a stand up comedian
as well. She doesn't do as much

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comedy anymore. But I've been around
comedy pretty much my whole life. And

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you know, I'm an only child, so I was always that kid like

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putting on shows and like bringing my
cousins along and being like, Okay,

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we got to put on a show
for our parents. I will. Yeah.

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So I've always wanted to do stand
up comedy, but I decided like

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as I got older, I was
like focusing on my career and being a

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mom. And then at thirty five
years old, I hit the stage for

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the first time and like fell deeply
in love and I haven't looked back.

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So, your mother was doing stand
up comedy when you were a child.

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Do you hope that that goes to
like the next generation? Would you like

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to have like a comedy family.
That's so funny because we were actually talking

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about it Christmas Eve and my daughter
she did like a three minute comedy set

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for one of my birthday shows and
that was it. She doesn't really have

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like the itch right now to do
comedy. She's hilarious, but she's like

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Mom, we was just start a
podcast and I was like, okay,

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maybe we'll do that in twenty twenty
four. Yeah, but she has no

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interest on like being on stage,
and that's totally different for me. I

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wanted to be on stage from I
think the moment I was born. I

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don't know. That's awesome though,
and I think that would be really cool

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if you guys do a podcast together. You could invite mom and be three

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generations of funny ladies. That'd be
awesome. Yeah, that's the plan.

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We'll see. Well, very cool. Now, I'm excited to have you

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in Sue Falls. Have you ever
been to Sue Falls before? I've never

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been to Sioux Falls. No,
Well, we're excited to have you here

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for Snowjam Comedy Festival. And you
and I talked a little bit ahead of

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time. You said you kind of
new to the comedy festival world. Have

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you done any other comedy festivals yet? Yeah, so twenty twenty three,

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Yeah, has been my like comedy
festival year. So I did Limestone in

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June, I did Big Pine,
So Limestone's in Bloomington, Indiana. Big

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Pine as an Arizona, and then
I did ten Thousand Labs, which is

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here in Minneapolis. And you know, starting twenty twenty four off with a

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bang at Snowjam. I'm excited to
meet you and I think you're gonna have

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a lot of fun in Sioux Falls. This is the final year of Snowjam,

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which makes me really sad but also
makes me happy because it's gonna it's

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gonna go off the bang. They've
put an amazing program together for this final

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one. And they've picked the best
of the best of the best, and

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you made the cuts, so you
Congratulations to you and the others that are

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gonna be here. I think it's
gonna be a whole lot of fun.

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Yeah, I think so too.
I was gonna apply last year, but

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I was like, I'm not ready, Like I don't feel like ready for

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festivals. So when I've seen it
go up this year to apply, I

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00:11:56.080 --> 00:11:58.399
was like, Oh, i have
to submit, especially because it's the last

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year and I've heard so many great
things about this festival. Dann Blubbits I

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met him, you know, a
few times, and he's so great and

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just like really funny and like really
gets comedy. And I love festivals that

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are put on by comics, and
I love a festival with like a purpose.

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So yeah, I'm super excited to
come to Sue Falls. And a

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couple of my friends are like,
oh, yeah, you're going to go

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to South Dakota. You're going to
want to go to Sue Falls, Like

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that's the place to go. So
I'm really excited to like be in the

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town and like hang out and laugh
and have fun. Well, I'm excited

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to meet you, Kadija, and
you have to let me know when you

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and your daughter and your mom start
that podcast, you'll let me know.

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I'll be listening. I will for
sure Again. Kadijah Cooper has our guest

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today. She will be one of
the featured comics at Snowjam Comedy Festivals coming

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up January eighteenth, nineteenth, twentieth, and twenty first. It is the

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final Snowjam Comedy Festival. And if
you're looking for it online, snow there's

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00:12:56.679 --> 00:13:01.879
no w on it. It's SnO
Jam. Snowjamcomedyfest dot com is the website

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00:13:03.120 --> 00:13:05.559
and we've got a link to it
also on the Facebook page Facebook dot com.

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Slash Sue Falls Comedy. Invite your
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word magnet game Abduction, a weirdly
strategic game of Doug kidnapping VENs with benefits,

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the hilarious even Diagram game, Puns
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dot com,