Keen to unpack that one.

Yeah, absolutely.

Yeah, these clients come to me, uh, wanting to get a better rate in the scheme of things.

So they'd bought an investment property, and they'd maxed out their lending somewhat, or they thought they had.

Uh, they'd used a third-tier lender, which had a really high interest rate, uh, and they had all the properties cross-collateralized to, uh...

When you look at the overall loan value ratio, it was quite high.

Um, but they'd had some good growth in, uh, in their owner-occupied property, and they were also looking to be able to upgrade and change that owner-occupied property.

And now given that there's going to be, we're calling it, a couple of, at the very least, a couple of interest rate rises, for those of, for the listeners out there that have a home loan right now, what should they be doing?

Mm-hmm

... um, if you're familiar with, familiar with those.

And then I used to work as the cruise director for Atlantis Events, which is like Bliss, but it's for, it's a gay cruise, a charter company.

And I did that for 25 years.

Um, and then...

I think I was there for, like, uh, 18 years, whatever.

Um, Bliss was forming, and their first cruise was actually, I think, on the Silhouette here, um, Celebrity Silhouette.

Um, if someone is watching this and they're interested in a cruise, what, what do they do? What do they do?

Hello.

Um, I haven't been sitting for a couple of days 'cause my, the shin bone hurts in my leg.

So my question is, should I sit in full lotus if, um, my, my foot, leg is swollen? And I might go to the doctor after this or just came here to get some advice.

Thanks.

Cho nên mình suốt đời mình luân hồi hoài là có phải nằm ngay cái chỗ này không Thầy?

Thầy?Yeah.

With like con-- Hoido, con cung nghe Duc Phat, ca cao ma Duc Phat noi la, "Boni chin nam, ta chua noi mot loi nao." Co nghe la ce Phap co Ngai da noi rut la nhiều.

Nhưng ma no cung, giong như no cung da qua het, no cung, khi ma Ngai ra di thi ce loi noi cung hon con gi no het.

... and why you keep coming back.

Um, I've been ...

I'm originally from Maryland, just outside Washington, DC.

I live in Fort Lauderdale, Florida, Wilton Manors.

Um, and I've been with Bliss for 10 years.

Um, my backstory is I was ...

I used to work at Club Med in the '80s.

[laughs]

I'm not asking you to force it, but just tell me why you believe what you believe 'cause I'm very interested, so you won't offend me no matter what you say.

Okay.

Um, you should believe in Him because you should believe that you was made with a purpose and that you could be saved from the standpoint.

Because there's a lot of people kinda out there that are doing things that they're not too proud of, and they think that, oh, they can't be saved because they had all these years of bad stuff behind them, when a lot of people, like, in the church itself, like, if you go-- Like, you wouldn't really know it, but they all kind of have-- not all of them, but a majority of them kinda have, like, their own kind of bad little past.

But yeah.

Bro, you hit me with the deep questions all of a real [laughs] life.

I'm not sure what you're talking about.

That's more from the point of if you believe in heaven and hell.