By Troy Galloway
4.6
88 ratings
The podcast currently has 128 episodes available.
Watch the video on YouTube https://youtu.be/eJQpUgDitMU
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks about how to avoid getting taken advantage of by a dishonest contractor, especially if you are having your HVAC, gutters, or asphalt looked at.
Thank you to the Moolah Shrine Center of St. Louis for providing the filming location. Consider becoming a Shriner today.
1:08 Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
6:38 HVAC Cons
7:50 Ultra high-efficiency HVAC system con
10:50 Must upgrade HVAC NOW con
13:23 Cheapest contractor isn’t always the best
16:00 Freon con
21:17 Warranties not backed by the manufacturer
25:38 Gutter guards
31:46 Sewer lateral cleaning and camera scoping
32:27 Small cutting tool to clean out the drain
36:38 Paying extra to locate lines
39:43 6 tips to remove tree roots in a sewer line
42:34 Blacktop asphalt driveways
43:18 Not filling in the cracks
45:30 Watering down asphalt coating
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
Watch the video on YouTube https://youtu.be/GCMvZ5LJQUg
In this episode of About the House with Troy Galloway, Troy talks about how to avoid getting taken advantage of by a dishonest contractor.
Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
2:15 A portion of the proceeds from Troy’s book will go to the Moolah Shriners of St. Louis
5:17 Insurance certificates
7:37 Faked references
9:46 Written estimates
13:25 Warranties
17:20 Building permits
21:22 Payments and down payments
25:16 Scheduling
27:38 Bait and switch
30:38 Taxes on labor
32:00 Liens
34:19 HVAC
39:03 Freon
40:57 Dirty HVAC air filters
42:54 Foundation repairs
52:38 Cracks in the foundation
54:37 Foundation settling
58:12 Adding chemicals to shorten the drying time
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
In this episode of About the House with Troy Galloway, Troy talks to Michael Caples about the different ways insurance protects your home including when you hire a general contractor to renovate your home.
Find out more about Mike Caples at https://agents.farmers.com/mo/arnold/michael-caples/home-insurance/
https://www.facebook.com/michael.caples.insurance/
2:15 A portion of the proceeds from Troy’s book will go to the Shriners.
3:29 Mike Caples has been in insurance for over 25 years
5:00 Most home insurance claims in the Midwest involve the roof
13:20 How do you assess if a roof was installed correctly?
14:25 Avoiding “storm chasers” who prey on homeowners after a bad storm
16:00 Ask to see a contractor’s proof of insurance
18:30 Workman's comp
21:18 Contractor licensing
26:10 Subcontractor contracts
28:20 Undocumented laborers will not have a tax ID
30:00 Will insurance deny a claim if renovations were done without permits?
31:00 Story about bad wiring injuring a cable guy
34:00 Terrorism coverage
36:00 Don't rely on FEMA to take care of you
38:00 Flood insurance
40:40 Sewer and sump pump endorsement
42:40 Rebuilding from the ground up
43:40 Call the insurance company when you get your declaration page
47:05 A lot of policies don't cover mold
48:30 What if a contractor cracks my driveway?
50:20 Removing snow
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
In this episode of About the House with Troy Galloway, Troy talks to Rebecca Ulsas of Champion Floor Company about some of the different ways to make your floors more appealing. Find out how Champion can help even if your wood floors are stained from animal urine or suffering from termite damage.
Find out more about Champion Floor Company at https://championfloor.com/
3:18 Fixing damage from pet urine and termites
4:30 Sand and finish vs prefab floors
6:01 Pull up your register vent to see if you have wood floor
7:30 Hollywood stairs
9:20 Rugs
12:10 Luxury vinyl
15:00 Lead Safety for Renovation, Repair, and Painting
19:10 Padding
19:45 What makes carpet good quality
21:00 Nylon and SmartStrand carpet
22:30 Fleck carpet
22:50 Come visit Champion’s showroom
23:26 Rug artist at the Champion showroom events
24:05 Linoleum
24:16 Floor samples
26:00 Wood patching
27:05 Kilz used for the pet smells
31:33 A horror story about a lady with 10 cats
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks to Kevin Pannebecker about home repair services and his company Mister Fix-It STL. Find out why you may not want to work with a fly-by-night handyman who won’t accept credit cards.
https://misterfixitstl.com/
[email protected]
636-486-1011
Check out Kevin’s first visit appearance on About the House back in September of 2019
1:22 Pick up Troy’s book, Building With Confidence: The ESSENTIAL Contractor Hiring Guide
1:55 Mister Fix-It is a handyman service on steroids
8:10 Carpentry projects
9:36 Deck repair and rotted wood replacement
10:55 Window repair and replacement
15:26 Electrical technicians
16:08 GFCI
21:14 Non-tip oven
21:52 Smart thermostat
22:43 Plumbing contractors
22:53 Bathroom Remodeling
24:31 Drywall and painting
29:18 Replacing light fixtures, screens, faucets, baseboards
33:12 Hanging pictures
37:07 Accepting credit cards
Watch the full presentation at https://youtu.be/Fmpw9lk5Pk0?si=nM4nGDQcXNsI1SEW
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy gives a live presentation to members of the St. Louis Real Estate Investors Association on how to be your own general contractor, how to hire a contractor, and his book ‘Building with Confidence’.
To find out more about the St. Louis Real Estate Investors Association, check them out at https://www.stlreia.com/
10:33 How are we going to pay for the project
11:56 Know what your project will look like
14:04 Types of building contractors
20:00 Where to find contractors
25:26 Contracts
38:10 Insurance requirements
44:41 Equipment, materials, and storage
48:52 Access to other areas of the home
51:16 Designated smoking area
55:57 Communication
59:55 Pets
1:03:49 Lien waivers
1:10:41 Penalties
1:12:40 Change orders
1:15:17 Permits
1:23:00 Bidding requirements
1:24:29 Conditions of the contract
1:25:00 Drawings and blueprints
1:26:28 The Golden Rule
WATCH ON YOUTUBE https://youtu.be/IKgHO21RcAQ
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks to Richard Brown about Reverse Mortgages a.k.a. HECMs. Find out how you can use your home’s value to pay for medical expenses and in-home healthcare.
Contact Rick Brown, Reverse Mortgage Loan Officer NMLS #247348
C : (314) 249-3418
F : (314) 334-2919
[email protected]
https://www.university-bank.com/reverse/about-reverse/rick-brown/
DISCLOSURE: University Bank – Reverse Mortgage Division, Equal Housing Opportunity - NMLS 715685, 2015 Washtenaw Ave, Ann Arbor, MI 48104 – (www.nmlsconsumeraccess.org), Member FDIC that operates in various states. For a complete list of the states University Bank can operate in please visit https://www.university-bank.com/licensing. This is not a commitment to lend or an offer for a rate lock agreement. All Mortgage transactions are subject to verification of application information, satisfying all underwriting conditions and requirements. Restrictions apply.
3:00 How long has Rick been doing Reverse Mortgages A.K.A. HECMs?
4:47 How does Rick explain Reverse Mortgages to new clients?
6:35 Rick has to read a disclosure. The numbers presented today are examples and do not reflect what your numbers will be.
34:26 Rick begins his slideshow presentation
34:30 Introduction to Reverse Mortgages A.K.A. Home Equity Conversion Mortgage (H.E.C.M.)
34:39 What is the definition of a Reverse Mortgage or H.E.C.M.?
36:20 What are some issues to think about when considering a Reverse Mortgage?
39:30 Adjustable and fixed-rate Reverse Mortgages
39:43 A brief overview of Reverse Mortgages
42:23 The mechanics of a Reverse Mortgage
45:13 An example of a HECM with a $300,000 home
50:05 What happens if the home value does not appreciate after a Reverse Mortgage is put in place?
50:59 A chart showing the home appreciation rate being less than expected
53:03 What if there is an average 3% increase in interest rate?
55:03 How/why might a senior borrower use line of credit funds in the future
55:18 Potential future uses of growing line of credit
58:15 Delaying commencement of social security
58:56 One spouse dies
1:00:14 Directing all proceeds to a guaranteed monthly payment
1:03:57 What are ill-suited quarters?
1:05:51 HECM for purchase
1:06:43 Rightsizing to a new home
1:07:14 Impact on retirement success likelihood
1:08:55 Sampling of potential HECM users
1:09:23 Why not wait to get a HECM until I know I need it
1:10:36 Reasons to get a Reverse Mortgage today rather than later
1:11:58 Reverse Mortage VS a home equity line of credit
1:12:30 FHA HECM guarantees
1:13:00 How does the FHA prevent insolvency?
1:13:43 Qualifying requirements for a HECM
1:14:19 What seniors are good candidates for a Reverse Mortgage?
1:14:45 What do financial planning gurus think of HECMs?
1:15:00 HECMs and the financial planning profession
1:16:03 What is the FHA’s 60% year 1 proceeds limitation rule?
1:17:26 How do adjustable rate mortgages work?
1:18:12 What is the story with non-borrowing spouses?
1:19:26 How do Reverse Mortgages work in a Grey Divorce Settlement?
1:19:41 Adjustable and fixed-rate HECMs
1:20:20 Expanded HECM overview
1:20:26 More questions? Contact Rick at [email protected]
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks to water specialist and chemist Jeanne Carton about getting the best water for your home or business.
Find out more about what Jeanne at https://www.h2onlywater.com/ or 3328 N Lindbergh Blvd, Northwest Plaza, MO 63074
3:00 Jeanne “The Water Genie” Carton is originally from Belgium
5:33 Why do we need a water softener?
7:20 How can water from the same river taste so different in another city?
8:30 Why is there lime in the water?
9:20 What is chloramine?
10:15 Kineteco Water Softeners
12:14 What is the National Sanitation Foundation
13:29 Mike Holmes is a spokesman for the Kinetico products
14:00 Well water
18:00 Lime buildup in pipe
20:00 It costs more money in electricity to heat hard water
20:45 Jeanne will not sell a water softener to someone with galvanized pipe
31:25 Spindown filter
34:16 Reverse osmosis drinking water
48:39 Bottled water chemicals
51:30 Tap water vs bottled water
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy shares some free and low-cost tips and tricks to save on energy costs. Find out how lighting a cigarette can show weak spots in your front door.
Blog post - https://gallowaybuildingservice.com/radioshow/energytips/
Troy’s Number - 314-520-6655
Troy’s Email - [email protected]
Radio Show Archives - https://gallowaybuildingservice.com/resources/radio-show/
Website - https://gallowaybuildingservice.com/
3:48 Sealing windows and weather stripping
6:00 Use smoke to show a weak spot or breeze
8:17 Spray foam
11:00 Door sweep or door snake
13:29 Hang a blanket
14:21 Tape
15:14 Bubble wrap
17:00 Curtains and blinds
20:00 Insulation
24:35 Packing peanuts
25:24 Insulate water heater and pipes
26:55 Water heater pipes and pool noodles
29:05 Programmable thermostat
31:10 Maintaining your HVAC system
32:51 Seal and insulate duct work
34:40 Energy-efficient lighting
39:12 Energy-efficient appliances
43:52 Close chimney
46:53 Insulate outlets and switches
49:51 Storm windows and doors
52:30 Caulk around openings
55:12 Close off unused rooms
56:59 Seal and insulate the garage
59:56 Use natural ventilation
101:26 Conduct a home energy audit
Watch the video version https://youtu.be/b1RLegSnqLw
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy discusses different indoor air pollution types. Find out how the types of cleaning products and paint you use could make you sick and what to do about it.
4:08 Indoor air pollution types and concerns
5:55 Sources of indoor air pollutants
9:09 Chemical pollutants and volatile organic compounds (VOC’s)
10:54 Cleaning products
12:20 Paints
13:40 Glues
16:11 Carbon monoxide
18:18 Formaldehyde
20:43 Asbestos
25:21 Radon
29:55 Biological pollutants
30:32 Viruses
31:44 Bacteria
33:13 Molds
40:10 Animal dander
40:36 Dust mites
42:58 Testing for indoor pollutants
45:00 Indoor air quality testing
46:18 Pictures of mold
47:00 Poor air ventilation
48:00 Check out our past episode with Travis Boyer, The Mold Man https://gallowaybuildingservice.com/radioshow/mold-with-travis-boyer/
51:10 Sunlight is a natural mold eliminator
53:10 Dehumidifier
53:28 Choose natural cleaning products
53:55 Quit smoking
55:00 Don’t burn your food
The podcast currently has 128 episodes available.