 And I'm noticing that discipline is very overlooked, but in the same way it's also, it's a key factor because that's what defines anybody's career. Good evening and welcome back to the First Time Homebuyer Show. I'm your host, Estie Klaasen. This evening I'm chatting to a young man, a real estate agent who is here to help us educate first time home buyers on what we need to do and the challenges that we face as first timers when investing in property. I am sitting with Nkateko Umaluleke, but before we get started, you know that we have amazing content coming to your screen every weekday this week. We've got Zaman Tungwaka Umaluleke with the private property podcast, that's Monday to Friday live at 7 p.m. on Facebook, Instagram, and YouTube. And of course, if you're interested in farming and agriculture, Mbali comes to your screens. That's Tuesday and Thursday at 8 p.m. And just before we head over to the weekend and we start our week off with Chad Viveros, that's Friday and Monday evening at 8 p.m. Chad travels amazing houses from Fourways to Sant and to Houghton. Definitely something you do not want to miss. And this evening I am chatting to Nkateko Umaluleke, also known in Sant and he goes by the name of Cat. Isn't that true, Cat? Very true, thank you so much for having me, Esti. Thank you so much Nkateko for joining me. So like I introduced you, we haven't spoken to real estate agents in such a long time and I'm so excited to open up the field and also learn about your stories. I think it's so important to listen to the stories on the other side, not just those buying the houses. Of course, of course. And I'm gonna jump straight into it. I'd love to hear some more, but before I even get started, my biggest, my first question is that we all have these assumptions and the stigma based around these estate agents. What would you say Cat's purpose is in being an estate agent? What is your sole purpose? Well, you know Esti, I think the first thing we can really touch base on is especially with regards to purposes, it's a matter of need, you know. Purpose is always associated with dealing with the need. So if you will always have a need to go to the doctor, you don't need to go to the doctor, but the need will always arise. So the same thing is literally the same with real estate agents on the basis of we are practitioners and we are here to assist you with everything property related, you know. You don't always have to engage with a property practitioner if you wanna invest or you wanna do something really big. Sometimes it can go to something as small as just knowing the value of your house. It could be for insurance purposes. It could be for, you know, should you ever wish to sell? There's been many cases with divorce or with deceased estate where people become so shocked with the value of their houses, you know. And having that sense of knowing the true worth of your property, you know. But also on the basis of you need clarity when you're going to engage with anybody else should they come into your home. So whether it comes from a viewing if you want to rent out your property, you know. Just to have somebody to engage with on that basis and it's true. You can actually engage with your property by yourself in the same way that if you are sick you can take care of yourself. But you don't want to give yourself the risk of a 50% chance that you make yourself worse. In the same way with your property you don't wanna oversell it and you don't wanna undersell it as well. So just more than anything the purpose is linked to clarity of need. That was a beautiful definition and I feel like that exactly is your purpose, right? And I wanted to touch on, I don't know if you wanna share your age with the viewers but you're very young in the game, right? Extremely young. But you've also been in the game for a kind of a short time a year almost reaching, you know, longer than that. And I wanna find out from you would you say that you have an advantage being a younger age? Yes. Okay. No, definitely. So clarity say I am 25, 26 next month. So essentially my little time with real estate I've actually noticed day by day actually each and every transaction. It's been a matter of you really get to know people and but more than anything you really get to know property because in any industry that you engage in time is obviously of the essence. There will always be an advantage regardless of literally whatever industry you enter in that age will be your advantage. So I'm really happy to have actually woken up in a sense to, you know, my purpose as we've actually stated earlier. So my purpose in real estate having encountered it at the age of 25, literally but having started at 24, you know, you're a rookie and real estate has its stigmas like you said where a lot of old people have been known to, you know, be property professionals. And then you have in certain circles people just talk about property from just an investment perspective but then to know how important and crucial it is that we really know every single paradigm and the structuring of our homes. Is it correct for you to sell your house now? Is it correct for you to rent it now? For who? You know, because you'll actually find literally have engaged people who've had really strict preferences from a person saying that I don't want a tenant of this particular age. I don't, and then you really know your community. You know, and for example, the best one that I can actually give is when I started in real estate, literally last year, August, I was centered in in Ranberg and seeing the difference in demand in the markets where a one bedroom can actually sell for literally 400,000 but here in the midst of Santa, you know, in the hearts of the city, it could actually go for even a million and you see that it's a matter of demand but you're actually challenged to know your community. You're challenged to engage with everybody but most importantly, you're really challenged as a person because as you know, real estate is essentially like a glorified sales job, you know? So then I barely have anybody micromanaging me so I have to literally teach myself this discipline and I have to teach myself consistency and having the privilege to do so, you know, at this age, you know, is more than anything, it's a really great privilege to learn because I also get to really learn myself and it becomes even more challenging especially when I'm going to engage in buying a big house myself. That professional knowledge that I've been exposed to has really given me the edge. I have two questions, right? Because you've said quite a lot, I have so many. What have you learned about yourself, right? So you got into this market and we were mid-pandemic. Yeah. What have you learned about cat during this time? That's my first one. My second question is you talk about how we need to ask ourselves all the correct questions when jumping into this and you're also preparing to buy your own property. What is one of the most important questions you ask yourself and what have you learned about yourself in this time? All right, so in all honesty, look, I think I've really appreciated our ability to actually pinpoint our flaws so that there's a level of honesty we can have with ourselves. And my issue is, so a portion of my background actually stems from boarding school, essentially. So the whole bureaucratic system, being told but not understanding why you're being told is something I've really had a problem with. So literally off the leaving, being in this position with real estate where from Tuesday until Sunday, nobody is calling me unless it's by appointment or anything, so I had to learn integrity. You're dealing with people that have sentimental values for their homes and they're telling you literally the price of their homes. And this is before an evaluation and I had to learn how to be very assertive. This is something that I learned because in engaging with different people, I then became more assertive. I learned that it is something I lacked. Integrity on the basis of, I had to say what I mean and mean what I say. And I think the most important one which I can literally say at this age is something that I'm still refining is discipline. And I'm noticing that discipline is very overlooked but in the same way it's also, it's a key factor because that's what defines anybody's career because it's not just associated with the money from what it is that you do. Your discipline literally is the cornerstone of why you wake up and why you go to sleep at the time at which you do. I'm also a believer and just being rooted in spirituality is very important on the basis of this industry is literally like the craziest rollercoaster. The highs are very high and the lows like extremely low. So we're talking from a financial aspect to dealing with rejection. I had to learn and actually pat myself on the back actually and say that I actually do have a better mechanism when it comes to dealing with rejection but it's not something everybody has. So when you learn how to engage in that it's how do you deal with rejection? Do you have the discipline to go when no one is calling you to? Because the temptation just for anybody else to just stay in bed is always there and just become upset especially in the midst of a pandemic like you've said. So really engaging in this industry has been something that has really taught me to be very assertive. Regardless of your industry, your assertiveness, you have to know your self worth. It becomes very useless for us to watch all of these motivational videos and you don't apply them with extreme and utmost practicality. But I've also learned we have to learn to break down and break down on both contexts. There's always a breakthrough after a breakdown. Male or female, embrace the pain, embrace the struggle because it makes the end of the road for that particular season so much more worth it. You know, the roots that grow out of soil after a rain that is the relationship there. You could either cry in the midst of a rain and really curse the time that the seed is spending under the soil or you could embrace it, break down just as the seed does under the soil and allow the sun then to come and give you an opportunity because I believe that opportunities, especially the ones that we make for ourselves, they do exist. They do exist and they are truly there. So assertiveness, really know your worth because any industry will always be testing. Any industry will always be testing. And I wanna talk up on this right now because I feel like what we shouldn't forget, especially to the young viewers at home, we want to go into this industry, whether it's estate agent or investing in property because I feel like learning and knowing yourself is so important. And your journey is not done. You continue to learn more about yourself and it's on the daily. You know, whether it's dealing with a difficult client or whether it's dealing with whatever the case, maybe you just continue to, until today, you're not, you still probably break down. But you get to a point when you're right where the motivational talks or podcasts that we listen to become worth it because now we apply that. And that's what you've gotten at the point where you're at, which is amazing. My second question was a piece of advice that you tell yourself on the daily to keep going. Yeah. Yeah, advice is, I tend to see advice like a type of fruit that you will change depending on the state that you're in. You can eat a banana today, an orange, as long as you keep eating the fruit. So the piece of advice that I literally give myself all the time is, and which is what I've learned, especially with my partner was, it's okay to feel bad. It's okay to feel emotions. In fact, her saying is emotions are great indicators, but they're terrible dictators. So allow it to indicate, if you are angry, you're not a bad person. You're angry because there's an external stimulus that has affected you in that way. So if I push you off the chair, Steve, you cannot blame yourself for falling off. Acknowledge the fact that you've been pushed off the chair. And once you do that, you are then able to move forward and see your surroundings better. Breathe, like breathe, breathe, breathe, breathe, breathe. Steve, breathe. In each and every moment, our breath says so much. Take a deep breath and assess. There's something about calming the heart in the heat of adrenaline that you can see the world through such a clear lens through the tears, but also even through the joy on the basis of excitement is as much of a, how can I say it, a hindrance to progress in the same way pain can be. Because now you end up seeing things over stimulated in the same way that when you're upset, they're under stimulated. So take a breath, always be willing to learn. Same thing like the fruits, because we are not complete. The moment you become complete, my philosophy is, the moment you've done everything you were meant to and learn everything that you were meant to, your time on this earth is actually, it's done. So we're designed, the portion of our humanity is a blessing and a curse in the sense that we have to learn, but there's so much joy in the learning. And also, yeah, if you look, property is very specific for me to, we have a saying in the office that it's one of the most, if not the most lucrative businesses. Because like we said earlier, you can feel property, you can touch it, you can see it. Cement dries up. It all speaks to property, paint dries. So once that is really linked to who you are, you become not just optimistic, and it's not positive thinking, it's a stabilization that happens. I don't know what you did, but you managed to make property very spiritual. Now I look at property and I'm like, whoa, like, because you're right, because you learn all these lessons through this. And one thing that I really wanna emphasize is what you said I think is key is to seek joy in whatever you do. Seek it, find it, whether it is investing in property. I always say that investing in property is taking a leap of faith, but that needs guts. Indeed, indeed. So you know, like we can't just do it. Just do it, it's so crazy. Yeah. Especially with property, property is big. It's literally the most expensive asset that anybody can own. People probably don't move out or change homes for like five, 10 years. You know, they can buy cars, but their most expensive asset will be their home, the place in which they place their heads. And you should really have an understanding with that. There's something about the buildings. If you're gonna take it from a spiritual perspective, there's a process on the basis of foundation. So if we ought to build a property, so you and I, we take money and we want to invest, right? And first of all, number one, it has to be about location. That has to be the same thing with you as a person. So where you are located as a person, same as with your assets, really defines how well it will thrive. So you can't be opening up a cinema in a place where people barely have shopping centers. You know, there's a context to it. Because now when you invest into something like property, you first have to look at your surroundings. Once you've done that, if you're gonna build your property on a mountain, on a rocky past, what do you have to do? You have to work on that foundation. Same thing you have to do as a person. Once you've worked on that foundation, you know, you've reinforced, it becomes a matter of how much more reinforcement can I do? But then we do this comparative thing, you know, where, and as you know, comparison is a thief of joy. You look next door or two streets away, the foundation is so stable. These people have built their property and it's never shaken, you know, especially in this time now, in this country we're experiencing tremors. Down the road, you build your property and it collapses, you know, and then you feel so defeated, but it's a matter of go back to the basics, have a look at your foundation, you know, and then build from there. Once you've established your foundation, you can build a skyscraper. Yeah, you know. Never ending skyscraper. Never ending skyscraper. I wanna, you talk about location being key. And one of my biggest questions, especially to someone in your profession is, what is, what advice do you give first time home buyers? Because it's our first time. And like you said, emotion is attached to this. Yeah, what would you say to them? So if you're gonna be a first time home buyer, and this is also coming from experience as well, because this is a question that they've asked, people have come to me and they've asked for, I've had first time home buyers looking for a one bedroom, two bedroom, looking for something in the sky, you know, the units in the ground, ground floor units and the likes. I think number one is build an understanding of what's your highest priority. If you do not have children, and you do not plan on having children, being near a school will not necessarily be of much benefit to you. There is traffic around the area. So, especially if you do not have children, you do not want to be in traffic because of people coming to collect their children. You know what I mean? So, essentially it's not an expense that you would be comfortable with. Number two is, so if we're gonna get it down to location, make sure you understand, do you prioritize work? Are you at work most of the time? If you are at work most of the time, and you live with yourself, it's not of much value for you to get a full bedroom. And this is regardless of finances because people of varying ages will obviously have different financial brackets. So, really understand your purpose of, are you more, if you're always at work, then it would help for you to move closer to work, right? And trust me when I tell you this, there are different price ranges. A person who's earning a 10,000 rand income, you know, gross or net, has a home in Santa, has a home in Bramley, has a home in Ranberg, you know? And number two as well is, what is of your best convenience on the basis of, do you prefer and do you enjoy driving by more? Do you, are you okay with running to that particular more? If it's not a more, it could be a field because maybe you have a pet dog. You know, so all of it is, you're supposed to buy the convenience of your time being there. If you're the kind of, like with diplomats. So, and I'm gonna give you an example. We'd have diplomats and contractors, right? Someone would come and they'd say, I want to rent out a place and I have 50,000 that I'd be able to pay per month. And usually you're probably thinking, why don't you just put that down as a down payment? You know, and then get a bond for that. You'd rather own than rent, but we don't understand purpose. There are people that are renting out places for 50,000. Whereas people are paying a bond for 10,000. It's based on, and how long are you going to be? If your home has, if your work has brought you closer to that place, then you understand that if your job should be terminated, then essentially your purpose would end. But if you're a person that really, you have a really good understanding relationship with your family, you don't want to move too far from the city from them. You know, but also, if we're gonna get into the financial side, I think I'll just clarify that one on that basis is, debt is not terrible. Debt can be fixed. Debt can indeed be fixed. Debt sentence that we've applied on ourselves, that because I'm in debt, I've literally stopped progressing as a human being. And you find a lot of first time home buyers is people at the age of 50, 40. And because they've been so scared and it's, you can get your debt eradicated. You can get it fixed. And you can prioritize that and find the necessary advice to clear that. But you can own a home even under debt. There are literally guidelines to provide people with that because the banks understand that sometimes when a person is able to know that they can afford the place where they lay their head, there's a peace of mind for them to actually clear path and clear debt on that basis. So I think essentially it's location, how your priorities are aligned, who you're going to be purchasing this property with on the basis of finances. But and also do not be scared to move. Do not be scared to move from where you are. Because, you know, a fear of mine is what if the purpose for buying ends, which you spoke about. And I'm sure maybe you know of people or experience or heard of stories where this happened. So what then, Kat? You see with, and I don't even know if this is something that everybody knows, but you can cancel your bond. If you get a place with the intention of getting a bond, you want to pay it off for a period of time. You know, usually it'll be 10, 20 years, depending on, you know, your financial standing, but you can apply for a cancellation of a bond. So essentially your connection to that property from a financial aspect, it ends because your purposes ended, you know? And that's why people, or alternatively, depending on what would work for you, because remember, priority as well and financial standing will define a lot, but if it would be easier, you can always rent out the place. And that play and the amount, and that's what you need us for. It's my purpose, you know, to essentially break that down for you. And I say, okay, fine, how much are you paying with your bond? So rental works differently from a sale on the basis of, if you want to rent out your place, we ask you first and foremost, what are your running costs? And then we can define an amount that you can have someone live there, pay off this rent. And this rent can double up, it can literally be the exact amount that pays off the bond, you know? And once you have that, or alternatively, which is what a lot of people are starting to do, but it's in a better market, you know? COVID has kind of held us in chains for a while, but essentially you can price it in such a way that it not only pays off a bond, but the remaining amount can pay off half of another bond that you'd love to pay off, you know? And people are really scared of that, but it really boils down to your perception of debt. You know, debt is not terrible on the basis of people. Like the motivational people are talking about, everybody wants to own an American Express. An American Express is a credit card, you know what I mean? But people are scared of debt and you gotta understand the purpose associated with that. You know, you talk about, so basically the gist of it is you're saying that we need to get to a point where if our purpose ends when we, if we bought our first home, that home now becomes an investment opportunity for you. And you just work on that. And that's actually leads to my next question because what is a better move for a first-timer? Is it buying my first home or buying investment property? What would you suggest? So essentially when it comes to a first-time buyer's fresh place or investment, now this is what we've seen. A person comes into a unit, house, freestanding or anything of that nature and they're very aware of what they don't like. You know, they're very aware of what they don't like. So essentially this is the positive thing when it comes to an investment. Let's say, so I'm gonna try to give really easy examples here. So let's say you're gonna buy an investment property that is maybe 700,000. And this is an investment property. The second one which is fresh is probably a million. Now, so we're looking at a difference of 300,000, correct? So essentially you walk into a place and you don't like how it looks. Let's have a look at what it is exactly that you don't like. You don't like the tiles, okay? You don't like the carpeting, okay? You don't like things that are looking more on structure, all right? So you're like, okay, it's fine. I'll buy this house for a million but then I'm gonna save money and remove these carpets or these tiles that have been placed here. Whereas if you are really open to the patients, buy an investment and the same amount that you would have spent, that's 300,000. Now that is the difference in between the two. Number one, it can literally cover the labor. It can literally cover the design. It literally becomes your place because we have seen people. You will never buy a house that is perfect for you. It was perfect for the person who lived there. But if you meet them for the first time that they bought the place, they will tell you that I didn't like this place. So they customized it to suit their needs, you know? So especially if it's not even structural, if you don't like things like doors, you know? It's always something to consider that you can make these changes. So first time buyers, especially because we know that we're very prideful of our first houses. You know your chances are it and your retirement home. Those are the two places that you're gonna live in the longest. So you know, if you're first time, you're gonna take your time with it. My father's very practical in the sense on the basis of my father bought his house, same with my mother actually. I'm realizing that my parents are very patient people. My father bought a house on auction and this house literally had sand in the rooms. You know, it was like it lacked in foundation and everything and six years later. Now he bought this property if I'm correct, maybe the value is looking at somewhat slightly over a million. But currently, and this is six years after he's done, he's built a cottage and everything. We're looking at about triple that amount now, you know? Cause I take the opportunity to just evaluate this house and show him that you need me just like anybody else would, you know? So you're first, the first place that you live in and your retirement, you will live in there the longest. Take the opportunity to really look at the place and say, but we can work with this. Rather than I wanna show everyone that I've bought my first house and it's done and it's, and that's not the case. Going back to motivation, I don't know if you have these apps, I think it's TikTok where someone will show a house, it's empty, they clap the next shot, it's complete because now we're trying to show each other that beauty of progress and patience and, you know, buy first time owner, buy an investment, you can afford it. If you can afford a well put together place that you're gonna feel different about because trust me, you will feel different about it. There's a difference between seeing a house and you're excited that there's a clean pool. But once you move in and you don't know how to take care of that pool and it becomes dirty and it complicates and in fact, it makes you stay even miserable. So you're motivated to move in, it's now your demoralizer for living in, you know? So buy an investment property, be patient. It's a beautiful thing. You learn so much about yourself. You know what I mean? It's the, if I can ask you a question. If you had to literally paint the current room that we're in, which is white, what color would you paint if you wouldn't paint it white? This would be my lounge. This would be your lounge. I'm more into like a dark, like a sand, sand color. Right? And so now imagine, so if it's more of a sand color, imagine if you moved into a place with, we're in the lounge for example, the walls are black. Now you have to spend money to get it painted with a primer to be white so that you can get yours. Whereas if you go into a place and it's just, it's just, it's been plastered. You know it's primer than yours. You've saved time and money, you know? So essentially it's like that. I think what's key and what you kept reiterating is patience. And you know on all, on most of the shows that we've done, everyone we've spoken to is that this is not a quick game. It is, you know, take your time with it, be patient. And I think anything that you truly invest in needs patience. And we just need to apply that same theory, especially to property. Especially to property, you know? Yeah, this is, it's big. It's the longest, it's the longest, the biggest, but the most solid form of investment. Yeah. It's, you know, and that's how it differs. Yeah. So I agree with you indeed. I wanted to find out, because we've just, you know, ended off woman's month and obviously you have an eye on what's happening and you're, you're based in the Santan area, correct? Yes. What is your, not even what is your take? What have you been seeing currently with young individuals, people of color, coming into the market, woman coming into the market? What have you seen? Well, I have a, and I actually don't know how this will be taken, but there's actually something I know for a fact happens when people come to view a property to buy, or to lease. The wife is the CEO. The wife is the CEO. The wife, the partner is the CEO. The female partner is the CEO. But this is the trend exactly. A gentleman will walk into a place and have a look at the structural design. You'll even forget that the kitchen was white. The wife will come in if the kitchen is big, the bathroom is big, and it's white. There's a bathroom and a shower where she can take care of herself. She can be taken care of. That becomes a deciding factor because, and we understand this from a psychological perspective. Men are, men, there's somewhat of a privilege they get psychologically with the progression of things. Women are more nurtured, so they are much better psychologically when it comes to the taking care of things. That's why in many homes, especially retirement homes, you'll find that the woman who's retired she'll open up a garden, right? The man who's retired into his home where he's spent a lot of his time not being around, you'll probably just watch TV. It'll just be entertainment, but there's something about a woman's touch that is of extreme and high value because women are, and we should stop placing it on a scale that, number one, doesn't even make sense. Women play a very great role when it comes to peace. So essentially, I've literally had guys, the wife would literally come twice because she would notice beyond cosmetics, you know, a guy will look at the structure. Is it big? The wife will look at how is it structured? And this is something I've actually seen more happen in women than in men. A woman wants to know if the main bedroom is north facing because she knows that a husband or her and a partner, that's the place in which they rest, it should be the warmest place geographically, you know? So just that is just, it's a privilege. So whether you are single, married or anything, if you're looking for a property, a house, anything, if you're going to buy a dog, go with your wife, go with your girlfriend, go with your mother, you know, take a woman with you. I love that. I wanted to find out a little bit more about, so this is a true story. Didn't happen to me, happened to family members really close to me, just bought their first property. And the relationship, you spoke about your purpose, that's cat's purpose as an agent. Agents out there have different purposes, see things differently. I want to find out about the role that you continue to hold after I've purchased my property. After I've done, I'm done working with you now, what is your role thereafter? All right, so purpose is what got me into real estate. And then there's various motivators, right, from lucrativity of the business, et cetera. One of them is, and this is my personal experience, bought a house with my mother bought a house on Cruzdorp. Incompetent agents resulted in unhappy buyers. Till this very day, there's issues and problems that my mother has had to deal with because so much was not divulged to her in terms of the house that she bought. And this was a retirement house. And this agent was really careless in information. We didn't have keys. You move into a place and we don't know the relationship that the agent will have with the seller. And if it's just a quick deal, and this is something that needs to be emphasized, real estate agents are there to service both buyers and sellers because we will have a long lasting relationship with both of you because should you decide to sell, the person who's bought, I would love for you to contact me, the person who you've used to buy the house. So essentially, the story was that inconvenience is something that my mother has literally had to deal with till this very day. She probably has owned the property for about three years now. Till literally, till this very day, we'll notice so many problems that could have been, and that the agent knew that would have affected our decision to not buy the property. Because like the swimming pool example, that's literally what happened. You see a swimming pool and it's clean, but you move into the place, you don't know how to take care of a swimming pool. You've realized that the machine using to clean the swimming pool is broken. It doesn't work, it's outdated. So, and we go on every basis, like we discussed earlier, we can be, we can assist you with getting in contact with anyone from a plumber to a painter, that's why we'll call property professionals and not house sellers or house salesmen, because we're professionals on the basis of, do you know that your property has a servitude on it? That there's a certain portion of land that appears as though you own it, but your neighbor's doing as they please, but you'll find out that with our assistance, we can find out that, oh, there's a servitude on your property. They have a legal right of use of that portion of the property, you know? And that's something that you can only get knowing that you're dealing with a practitioner of that particular asset. And I think it's so key, especially for first time home buyers, is that the jargon always throws us off, right? There are things that we have no idea, like, and these words and these things are just so foreign to us. And that is definitely when we need you to come in and be like, no, this is not okay. What's happening on the back is wrong. Yeah, Kat, I just want to close off. Thank you firstly so much for sharing, because what I loved is that you shared a lot of your own personal experiences, whether it's, you know, your mom or dad's story, but you were present in those stories. And that's what the show is about, sharing real loved experiences because you learn from it. And yet here you are, still in the profession, but helping us to not go through these and make those mistakes, which is key. My final question to you is, and I don't want to end on a sour note, but I want to talk about the challenges that first time home buyers face. And I want to find out from you the biggest challenge that we face and how can we avoid not facing those challenges or making those mistakes? Indeed. Look, the first one, like we spoke of, property is, it's a big step, big leap for you psychologically, mentally. Also financially, I'll start financially. Know how much you can afford. Buying a house, and this is the thing, if you're going to buy a house, there are certain things you need to pay around. Is there a neighborhood association? If you're in a complex, know the levies, know the rates, because the house might cost a million, two million, but the levies, the rates, and this is excluding electricity, might be 4,000, 5,000, 6,000. And this is something that you haven't planned. So in order for you to do that, get in touch with a property professional, a property practitioner, that will get you in touch with everyone to break that down for you accordingly. Because we are in touch with lawyers, we are in touch with bond originators, our varying companies. We are just in touch with everyone that could really help, not just your purpose, not just your purchase, but your stay as well, as well as when the time is necessary, your departure as well. Because you should know that if you have struggled to pay your bond, what will happen? What exactly will the bank do? And it's important for you to know that, so that you can get the necessary assistance, because it's not worth it playing on ignorance when you have property professionals that can help you, then the bank wants to sell your property at half its value. So essentially, get in touch with the real estate agents, get in touch with the property professional, ask your questions. Our evaluations are free. Legally, an evaluation is free, where you are entitled to know everything surrounding your property and everything surrounding the finances that are the crux of your property. So... And these are things we should know because, you know, they're up to that, they're scamming us. Scamming you. So in short, you're the plug. I am the plug. I'm the plug. You're the plug. Yes, indeed, indeed. We're here, we're here. Thank you so much for taking the time. Thank you so much for having me, I see. Yeah, thank you so much. I can't wait to chat again. We need to have these conversations, you know, and obviously people now know who you are. You've shared your story. So they also know where to get some more information. Yeah, not indeed. Thank you so much. Thank you so much to our viewers at home for taking the time out and listening to the stories, the wonderful stories that I've guest shared with us every Wednesday night at 8 p.m. Do not forget, I still want to hear some of your amazing stories. So do not be shy, reach out to us. That's private property on Facebook or Instagram, DM us, and I will definitely make contact with you because I'd love to hear and go on that property journey with you. Thank you so much. Take care, have a blessed week further.