We are back folks look at that market is that far right folks those -- that are. Connoisseurs of the finer things in life maybe he was he you know little about art scene well I just happen to have kind of an issue an older. Part of wall regional mansion I stress of issues I happen at a couple issues but on the pacers glanced that in during the break and I see a picture of of artist Peter Max those -- -- that I don't know who Peter max's or what he looks like just Google us sometime now. That is the annual -- that's exactly what Craig looks like -- so McGregor your -- may look. Identical so it will equity in -- -- but yet share it Lindsay here in the OK analysts studio. Three ladies and know whether that quote you're receiving is legit right now you may get. Quotes in the mail will mailer low post card maybe it's a telemarketing call you're having dinner with kids or it may be used solicited. Mortgage up refinance separately purchasing a home you call mortgage company. And you're gonna get quote Harry you know that that those quotes are legit let's start with the written when those are the stuff you get in the mail first of all personally folks read the fine print. No fine print disclaimers should be should really be there if it's a legitimate you can really get this quote I will tell you. At nine point 99999. Of anything you're gonna get in the mail any post carting off for. Anything along those lines assume we have he preapproved we've got -- -- you get this government program there's something. I can tell you right now if you read the fine print and have any measure discernment in your brain whatsoever you'll quickly figure out that is the blanket. Little offered that they send everybody hoping that you respond and they can figure out some -- you so reversed. Right. So readily gave folks read the fine print number two credible company. Folks you can research people that send -- things in the mail fine or their looking how long -- business don't go off Better Business Bureau alone. Not a bad way to measure but have seen people within -- rating with the Better Business Bureau that. I wouldn't do business with in a million years so you've got to make sure you have a credible company you work with the best way to know. If you've been strongly urged to call accompanied by a reliable referral source that's a great way to -- the financial advising your accountant -- that you trust that work your boss whomever. Did it get a referral if possible that if a referrals and available do little research before you. Justin and believe whatever they tell you because some companies are. I had to say at the -- nighter may be a little bit less established and willing to maintain you know protecting the reputation they've built. The number three in the most important thing folks at least three ways to notes legit is this. You're gonna get writing. It's gonna be complete all the details will be there it will be dated military along the offer is good for -- will be on the proper forms that's the big one. We see people send over email quote to say we here's that I can do and there's nothing -- that. But if you say OK I wanna make sure that's a legitimate quote that you're gonna hope you're gonna stick to and if I decide to move forward. They're gonna need to be sending you the proper government required disclosures such a good faith estimate treat -- lending disclosure those type of items so. Make sure. -- in writing all the boxes are filled and there's no missing dates are no missing numbers. And it tells you that the offer is good for a certain period of time seen how long you have to act. Many times these things are left blank on purpose silly thing to -- no that was just a model we mocked up to show you what you history between -- in there that offers -- available currently. So folks please radio advertising. Junkie in the mail. Most of it no good not saying that there's not people out there that advertise on the radio that they'll do good business because there are. But she can't trust just the fact -- here and advertisement from somebody that makes it legit so you due diligence it writing major to complete make sure their forms of delivered. And you should be good -- I hope. Ha ha there you go like you feel confident and third opinions that's right you you've got to -- -- got to make sure you understand do you don't this -- always says it can't explain transaction. Your friends your neighbors. Your people your chat with around the water cooler -- -- don't sign on the dotted line until you can and folks make sure you check those out next weekend because -- -- do little segment on. Auctioning your home. What do you purchasing an option considering or whether you're thinking about what is a new -- -- do you sell homes. Auctioning it off we're gonna give you the details and will even have a guest talking about the pros and cons. Thanks for hanging out with a isn't. Make it a great week and remember is always do it. Speaker Nancy.