Our friends we are back at life as you -- it wrapping up the show's final segment of the show. Those of either just. Salivating over others and big cities and his main reason I love the little one of those big cities you might have the opportunity to make she do that math. Those places are expensive -- been some of those places and just hanging out for a few days you look at how much you spent on. Lodging and food here. Wow that was not cheap but. That can be good time probably good place to visit most of those. Then Marcel is there's a good place retire to each -- only now don't just cause we're small town boys that mean that a lot of our listeners are sophisticated. Urban dwellers fact we know a lot of -- that's right to -- -- -- we will tell you this when it comes to. Stepping off that topic and into the next topic real quick market -- a touch on. Don't believe the hype when it comes to interest rates I'll -- that most people right now are very nervous. About rising interest rates -- talked people daily think well I'm a few months away six months away maybe even a year away from building a home work. Relocating or whatever may be and they're scared to death rates are going to be 8% or something and they're gonna you don't have to pay double the interest -- -- to make the move. That won't happen but they'll also tell you what else is being hyped up by most mortgage lenders out there. Well two things one all the sudden now they have such sweet. Soft advertisements about our company's huge help -- who went for that are cabbies here to talk to you it is something to make its Alex better than that -- -- head off. It's just kind of played here is that they say that I don't look important you're you're here unseemly if you were riveted Armstrong is always -- in years and people try to -- call everybody that's yet they just that this so hyped up -- give me the what may -- mean the ones alike. We're gonna save you thousands upon thousands but millions of dollars into use and he is yet whatever. All that stuff that that. Was said before is shifted now to you were -- bringing home -- -- help you with this wonderful adventure of buying a home or refinancing hump. Anyway here's the deal pay attention distinct in fees and engineers -- commercial. So that was good it was kind of relaxing yet have voice on seeing all these lenders trying to talk people into paying points now to buy their rate down. And -- convincing and it's a good long term investor I would say that it's rarely get a pay off to pay points and binary down and I also make this prediction. I don't know that these three years four years five years or what but sometime within the next ten years or less. Will be back to another super low rate cycle are -- will go back into another recession. The tactic of buying mortgage backed security bonds. By the government to submit interest rates to some degree will be played again that that worked well enough this time around I'll do it again so. Folks don't buy a bunch of points thinking you'll never refinance ever ever ever ever again. And try to buy your -- way down to levels where they were six months to a year ago. It's not gonna pay off. Don't keep talking to the silly stuff if anything paying no fees at all. So that if rates do drop in the next three to six months or three to six years you didn't go backwards with a bunch of -- never recouped. That's my little preaching lesson for today on the updated. State of affairs with refinancing announcing. -- Craig it. Change gears is a little bit on a per capita basis you know the number one state if you one of find your millionaire future husband. I wasn't a question necessarily not per capita. -- the Texas Maryland now that was number one in fact in the state of Maryland almost seven point 7% of households. On had a more than a million in in basketball assets. Pretty impressive isn't it but the reason I mention that is because the biggest rise. That the state that move up the charts the fastest. Was none other than. North Dakota. -- North Dakota where the of the land is glad -- you know why there's all the all the oil is gone all the lawyers -- and gold and oil minute Northcutt moved up to 29 from 42 main followed it don't -- a wide Louisiana. Costa or will cost -- natural resources and natural gas. South Dakota. Following on the heels from 46 to 38 an Iowa. Apparently quote prices this and actually there's natural resources there to -- that have driven up the percentage of -- number 25 almost I would the biggest losers. Guess which one what kind of list. Event from a nineteenth -- 39. Funny money. Goes down in value quick and he assured -- that's right OK folks we thank you for hanging out with -- as we hope you've enjoyed another installment of life as you own it. And come back and check is out next weekend. Police and remember to stake lesson.