The Consumer Quarterback Show

Ruth Watkins, Chris Hatfield

Ruth-Ruth has vast knowledge of loan types, homes or condos, let her check your property location, and see what loan types are best (take advantage of all programs,some counties offer different loan types)

-credit refresh takes new look, don't buy anything after loan app is done, lenders will see new expenses and question income again

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Chris-not just a salesman, Chris started out as an installer, let him give you fresh ideas that you may not have considered for design

-thinks a 3% increase on materials due to tarrifs would be the highest impact

-Chris has a wide range, all over the state

-let him get your property rain ready...GUTTERS are critical to water control

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Eunice Halstead, Mark Albrechta

Eunice-insurance can protect your assets in the cyber world as well

-recently had a client come out of pocket for $300k to recover files and secure their client info

-clients who get their information hacked can take legal action against the company who allowed this to occur

-medical professionals also have a big risk w sensitive info, patient records must be protected

-big corps have been held ransom by hackers who threaten to expose sensitive records

-there are 2 types of businesses, those who have been hacked and those who will be in the future...make sure you are covered

-Eunice has 30+ years in insurance industry, let her find the best deal for you

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Mark- be careful w disgruntled past employees, they can hack your system or create damage to records due to discontent

-law firms have to protect a lot of sensitive data, insurance is a must

-make sure to protect your business...set up a corporation or LLC

-state law requires annual registration renewal for corp, llc

-beware of co signing any agreement w family members, you will be the one sued because you have the $ (car purchase for children often is dangerous)

-get separate LLC's for each asset, that way they all are not vulnerable at once

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Dr. Imudia explains Immigration law, specifically I9 status

Ron Fuller discusses the benefits, variety and construction materials of fencing, the advantages fencing brings to your your properties

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Desi Fernandez, Leo Cannyn, Chef Wil Wagner

Desi-works with vets at MacDill afb about va loans, answer questions about income issues

-importance of networking, Team Hennessey attends lots of events and seminars...marketing requires constant networking and constantly branding your biz

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Leo-after our recent storm activity, there are many potential issues

-rainy season will bring out any defects in your roof construction

-sponge metaphor...as ground saturates it becomes soft and unstable

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Chef Wil Wagner-simple approach to clean diet

-offers various diets for weight loss, muscle mass increase, special restrictions...etc

-affordable plans w great convenience

-takes advantage of seasonal produce and brings it straight to your door

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Ruth Watkins, Fred Muth

Ruth-rates are getting to 5%

-if you are thinking about buying, PULL THE TRIGGER, rates will only increase from here

-closing today on a property w an unrepaired sink hole...cash out refi was the best move (your lender needs to know how to deal w this unique situation)

-check your available rate weekly

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Fred-buy before tarrifs raise the cost

-whether its real or imagined tariffs are impacting patio construction 

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Joseph Warren, Patrick Moraites

Joseph-co creative concept was new when joseph started

-offers an opportunity to reduce cost of launching your business, first 2-3 years in biz, you must lower overhead

-small businesses fail due to isolation, need exposure to people, ideas, networking

-distractions at home take you away from business

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Patrick- PEO Advantage

-establish a culture for your business, how we hire, fire...our policies

-allow a professional to offer new insights into your productiity

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Rene Gignac, Maribel Baez

Rene-biggest barrier to entry into a deal is the language barrier

-on both buyer and lender side communication is key

-take advantage of all the loan assistance programs that are offered, tough for anyone to keep up, much less a non English speaker

-don't assume your credit is bad, lenders want to work with you

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Maribel-Bi lingual realtor offers Hispanic buyers a comfortable option when learning about our market

-Puerto rico and south americans trust Maribel when trying to find their 1st American property

-understanding contract terms requires an understanding of law and language

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Ruth Watkins, Dr.Martins Imudia

Ruth-many visitors to the US want to purchase a home in the USA, lenders need to be aware of visa status, and laws about immigration

-team go knows the laws for lending to immigrants, ask the questions to see if your lender knows the laws

-Ruth is looking for qualified staff at TEAM GO

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Martins-I9 status, is critical for employers to understand

-our state has many farmers and agricultural business that depend on immigrant labor for seasonal labor...Mexico and Carribean supply many Florida businesses with labor

-the hurricane season forced many people to flee the Caribbean, we have a lot of people looking for work here in Florida, make sure as an employer you are getting proper ID and citizenship documentation

-check out Dr Imudia's book on amazon

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Jason Kobal, Dr Michael LaRocca, Aakash Patel

Jason-your attorney needs to have a working relationship with a medical professional...Jason has built a relationship w Dr Larocca, knows how he works and trusts his opinion and medical knowledge

-fla residents need bodily injury protection, make sure your covered

-14 day rule...14 days to get to an MD, makes a big financial difference in your case

 -watch out for social media posting after an accident, you may be posting photos or info that will impact your case

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Dr LaRocca- uses a transparent approach, goes over all xrays w patients immediately (many docs don't show xrays to patient, just issue a diagnosis)

-need a complete exam, after car ax....many spinal injuries go undiagnosed, Dr must be experienced w all possible injuries

-regardless of how you feel, get your spine checked...delayed effects can occur 6 months later

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Aakash- transportation is a big issue facing the bay area, Aakash wants to address these issues as an elected official

-hi speed rail, local train lines...are these the best ways to attack our traffic issues?

-Buckhorn has a strong legacy as mayor, candidates who want to run for mayor need to carry on his good works

-mayors have the ability to make immediate changes, other politicians have to jump through more hoops and deal with bureaucracy

-get registered, know your polling location, get educated for the vote

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Fred Muth, Chris Baran

Fred-aluminum price increases have pushed people to buy ahead of the extra cost, whether tarrifs are behind it or not

-tampa screens is busy now, many homeowners are adding screened space, during renovation

-fred works with the hoa's to get design approval on his projects

tip -when bidding out work - ASK QUESTIONS

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Chris- property mgt is about communication...bpm is the way to get information from the hoa or board down to the residents

-don't fear expanding their business due to management concerns...hire a professional company that will manage your property and keep costs down

-with timely management you can avoid late fees, repair costs escalating, insurance issues...the management company will recommend an on site mgr if it is needed...some properties require an on site manager

tip-get a full assessment of your property, so the estimate is correct, cant just call and ask for an estimate without knowing exactly what is required to manage your property

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