The Consumer Quarterback Show

Leo Cannyn, Chris Hatfield

Leo-rain can effect the foundation, when water underground moves and shifts it can create movement of the earth

-the $ in gaming is huge, with all the new tech, people are competing on line and spending on all the games , even free games, by enhancing their characters

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Chris-lots of rain makes homeowners want the hard roof, rather than screen roof

-the enclosures can be from giant to practical, they do all the jobs with lots of custom choices

-32 years in the business gives Tampa screen and alum an advantage over new companies, they can find a solution

-tariffs are creating some uncertainty about job costs, get your estimate now

-the prices can vary greatly, pre built vs on site fabrication makes a difference

-on site can allow for quick changes, unseen issues

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Joe Cairns, Eunice Halstead

Joe-divorce causes a lot of stress, let an attorney discuss your options...the stress over losing your family, property...etc can be crushing, discussing your situation with an attorney can help you manage the stress

-know the judge, the attorney presentation needs to crafted to fit the specific judge

-mud slinging damages everyone, put kids first

-social media is FOREVER, if you cant use it responsibly, don't use it...IT WILL BE USED AGAINST YOU in court...don't get on the internet to air dirt

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Eunice- drivers over 65 cause more accidents(double), than 15-19 year olds 

-texting and distractions are at all time high, auto insurance is critical

-10k pip... covers medical & 60% work loss....all must total less than 10k

-10k pip is not much, if you have to cover Mercedes damage and hospital bills 10k goes fast

-UM (uninsured motorists)coverage...if other driver cannot pay, your policy needs to cover you

-know the laws regarding loaning your vehicle, are kids driving your vehicle covered? or specific questions about your policy coverage

-don't let your policy lapse, it increases due to lack of continuity

-switching insurance companies damages your ability to get best rate 

-Florida still uses credit score to set insurance policy rates, not many other states use credit score.

-$87 billion worth of damage done to businesses...get insurance so you will be covered if your business gets hacked

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Michael Morabito, Joe Harrison

Michael- Coco Design Goup ...name comes from family nickname, sleep on your big decisions, that's how she came up w business name

-gets to know your tastes, so she can find your design preferences

-lots of ways to get to your design goal, prices vary on items, so she offers many levels

-now geometric patterns are in, so you can purchase stencil to D.I.Y....backsplashes, trim tiles

-plants are always big in design...plant walls, add color

-ala carte services...small details to make impact....free consults

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Joe-8 branches of martial arts, 6 branches of self defense

-6 areas of self defense...not just you but your home, property, children...etc

-strategy and tactics can overcome size and strength

-have a plan before you leave the house

-as a parent, your health is a factor, you must be able to defend your kids

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Conner Keller, Gregg Bowman

Conner-Africanized honey bees are a mix breed, they have been mixed w African bee dna, so they are an unusual breed

-professionals are needed to remove bee colonies, they are dangerous and valuable

-honey bees are invasive species, they were brought here by colonists, bee populations are cyclical, florida is getting overrun by African bees

-make sure your termite inspections are done by a pro, they can save lots of $

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Gregg-make sure your buying more than a brand, the contractor plays a huge role in the functioning of your system...the brand will not protect you, the contractor is your contact

-ac system needs to regulate the humidity in your house, moisture can create damage, mold, insects...and reduce lifetime of home

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Conner Keller, Chuck Peterson

Conner-drywood termites are swarming the bay

-swarming is a reproductive trait for lots of insects, lights attract termites

-most damage is submersive, you only see small details of larger problem

-billions of dollars in damage from termites, florida is ground zero

-homeowners ins typically does NOT cover termite damage

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Chuck-rainy season is creating the busy days

-get your hurricane preps done, prices for all storm related products will rise in cost as season gets busy

-free roof inspections...now your roofs life expectancy, so you can plan

-offers all types and styles of roofs

-watch out for storm chasers, all contractors need to be certified

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Rene Gignac, William Crowley, Louise Harris

Rene- look into condo as a housing option, less maintenance but Insurance and HOA dues can impact deal

-financing options differ for each type of home...condo vs traditional vs mobile home

-100% financing for veterans, no $ down

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William -credit restoration not credit repair

-everything on your credit report can come off your report, the "Fair credit reporting act" gives you rights in the dispute

-never pay a collection debt, don't ignore them but don't pay...collection companies bought your debt and are trying to collect from you, have collection agency send validation of debt

-William is not encouraging irresponsible spending, but he is providing you a fresh start...

-William can provide you a free consultation

-promotional block will protect you from junk mail

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Louise-make sure you plan your event, with your audience in mind

-Louise can prepare the promotional material for your event, timing and message geared to your target audience

10 tips for a successful event

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Jason Kobal, Eunice Halstead

Jason-pedestrian was hit by school bus, because its a school bus, the damage is capped at 200k...sovereign immunity

-sometimes your policy limits have to exceed normal levels..know your situation

-if you are falsely billed...it can effect your credit...a lawyer can file suit against wrong credit report

-validation of debt must be filed or you can sue

-slip and fall...details matter...if you slip right after a previous customer spilled something, there is no claim but if 30 minutes has passed and the owner neglected to clean it up, then there is a claim

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Eunice-property damage needs to be enough to cover your loss, if you hit a Mercedes it will require more than your policy can cover

-um (uninsured motorist) coverage is a must , if you are in an ax w an uninsured motorist you may be at a point where you cant recover, if you don't have um coverage

-umbrella policies cover those claims that go over your regular limits, they kick in after your policy payout is exhausted

-request credit report, check info for accuracy...after divorce a couple can alter eachothers credit w purchases and debts, make sure your info is correct 

-insurance fraud affects us all, higher premiums

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Teo Leonard, Chris Baran, Matt Schafer

Teo-get a professional web site, you will get more traffic, and you can get analysis from a web design pro about who, when and where users check out your site

-make sure your address is professional, not @ outlook .com

-if you know a charity that wants to market their event...check w Teo's "a chance to win"

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Chris-lots of misinformation about what property mgt offers

-Donna wants to get to know your approach to management, because BPM wants to know how you would respond to every situation, that way they can anticipate your response...great working relationship through communication

-let a professional field those late night distress calls, you just relax and deal w the big issues

-BPM is involved w habitat for humanity, event coming up, check the site

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Matt- Team go loans wants to get out and get to know the buyers, Matt still does open houses and meets face to face

-local lenders are familiar w the market and can respond to your unique situation...not a big bank w lots of hidden execs making the decisions about your loan

-get ready to become your own bank, plan on buying a home

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Desi Fernandez, Scott Maurer

Desi-Team Hennessey offers a local lender with strong team members, lots of experience in the tampa bay market

-they will go out of their way to meet you and educate you about every opportunity available

-military personel here at MacDill, will use air bnb to find residence, it is a new player in the real estate space

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Scott-IRA offers you a great investment, that can shield you from taxation

-LLC or trusts to insure your IRA, and protect your investment, is a good idea

-take adavantage of all the free seminars and educational opportunities that adventa IRA offers, call Scott for the schedule

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Great advice on Multi family real estate deals

-check out his book, podcast

-great advice on wealth mgt

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