The Consumer Quarterback Show

Todd Hassie, Eunice Halstead, Jay Smith

Todd- beware off lenders offering to pay your closing costs, offering discounts or special rates....NO ONE WORKS FOR FREE...you are paying in some area, your costs are rolled back into the loan, check final figures

-the lender needs to make sure the inspection is up to date, because it impacts the rate they can offer a potential buyer

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Eunice- insurance risks associated w storm season... wind coverage, flood coverage

-bank requires you to pay insurance equal to your current home value, many insurance policies can be reduced over time, because you have paid down the mortgage, a lower level of insurance is required due to a lower level of debt

-consumers need to review their policy annually, check what coverage is required for your current situation...

-your home inspection should back up your policy coverage

-reviews from Eunice are free...she and her team have 60 years exp in insurance, take advantage of her knowledge and skill

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Jay-as inspection laws are modified, standards change...make sure your inspector and insurance agent are working together....use to require 4 nails per shingle, now its 6 nails per shingle...inspector must know the current laws

-gutter sizes have changed, get correct size

-check all intrusions, any holes for pipes, cables...etc

-check water flow during drainage...sloping

-flat roofs are an issue, even on sheds or guest suites

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Ruth Watkins, Mary Surnicki, Tom Goen

Ruth - float vs lock

Ruth knows small changes can occur anytime, so get locked in...rates fluctuate all the time, be ready to respond

-watch value of bonds, rates respond to bond value daily

-"alerts to lock" when factors indicate rates rising, make the move to lock

-lenders use many gimmicks...we will pay your closing costs or offer a special dea

-there are programs that Ruth can get you...where you get a 2% grant and 1% down to get to 3%...

-make sure you have a personal relationship with your lender...Ruth often picks up broken deals and finds a way to get it done...your lender is a big bank, staff will change and new faces will not know your story, find local lenders

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Mary-before it starts raining everyday, call suncoast now, don't wait for leaks and roofing issues to arise

-suncoast offers free estimates, insurance companies will drop you if your roof does not meet new codes, get ahead of the problem

-shingle roofs are most popular in tampa, tile roof are most popular in st pete...lots of choices w colors, and each different type requires different install knowledge...metal roofs cost more, last longer

-peel and stick has improved, it keeps water out...underlying material must be applied correctly

-suncoast has expanded, new salesmen and labor...good staff makes all the difference

-beware of companies that do not provide details...are the laborers that will do this work employed by you? not just contractors w different staff everyday

-june 1 starts hurricane season, get your free inspection

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Tom-35 to 50 years is the expected lifetime of a seawall, when issues arise your entire property is at risk

-rust, cracks, shifting tiles or pavers, pool cracks...all due to seawall failure

-permitting is required before anyone can touch a mangrove or plant...don't just start removing plants around your seawall

-let tom check your bids and advise you how to proceed with your seawall project

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Leo examines the fate of new TV programs, offers insights into many of his favorite programs.

Louise discusses PRESS RELEASES, MARKETING, GHOST WRITING...louise offers many ways to use creative writing to market your business

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Conner Keller, Ron Fuller

Connor- termites have been showing up later than usual this year, even some species that usually don't appear in the bay have been spotted

-whether your home is block, wood frame or sips..termites find a way, they will come up through the slab and get to the wood that is present, even if its on the 2nd floor only

-termite inspection can crush any real estate deal, get it done by someone you can trust

-bats are big in florida, they get in homes and commercial property, they are good for bug control but their feces can be dangerous

-venomous snakes are prevalent, get to know their appearance and learn habitats, so you avoid them

-bear population in florida is growing, be aware, secure your trash

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Ron-#1 grade southern yellow pine is best material to build your fence, mossy oak does it right

-avoid pests eating your fence w treated pine wood

-fences can offer security for pets and family

-mossy oak can hide fencing posts w plants and cedar...let them select the cosmetic appearance that matches your style

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Rene Gignac, Jannete Sawdon

Rene-different programs are available for educating yourself about the real estate space, 

-avg 30% more for rent payment over mortgage payment

-know the market environment, if you want to sell, be prepared to move fast, even if you are just waiting for your # to be met, you still need to be ready

-find your comfort zone from a payment standpoint...know your limits and then you can move faster when you get an opportunity

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Jannete - get your professional headshots done at Febre, new security badges for employess, websites, social media...etc

-gathering your selling materials means...getting your property staged, photos and videos complete, landscaping groomed....put on the best display everyday

-when you prep your home...no photos or personal effects, no trophies...

-marketing your property today means lots of new technologies...matterport video can get eyes from all over the world on your property

-matterport walkthrough, drone video and pics...all done by febre

-febre frameworks wants to acknowledge their customers, thanks to all the people of the bay area, febre is expanding to new markets

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Jason Kobal, Joseph Warren

Jason-car ax or injury on the job...you must have a relationship with your doctor...in workers comp claims the doctor is picked by the business owner, so you must get all testing and diagnostics done

-each attorney works with his own medical professionals, check to see if your attorney has a strong network

-when issues arise make sure you have considered all the possibilities

-14 days to get doctors appointment, you must have a documentation of your issue

-delayed issues can arise days after ax

-dont be intimidated by your employer.get a lawyer when you get hurt, who has your best interest at heart

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Joseph-to make your 1st 100k get in touch w joseph

-co creative space offers business owners an opportunity to have an office in the most desireable spot

-geo target offers business owners a chance to have an address in the most desirable location, searchers will see your office is in the best location 

-co creative space offers the chance to interact with new people and get new ideas

-other voices can see your blind spots, use others to get the public perception

-interaction w others is critical to your development

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Rene represents Team Hennessey, LOAN PILOTS

Robin Winkler of Robin Reis Family Photography discusses Brandon's wedding and how their photo shoot evolved

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Jason Avery, Matt Dimaio

Jason- Avery construction has been recognized as one of the top 3 bathroom renovators in the area

-about 85 projects per year, avery gets it done

-book "constructing success" is doing well...Jason is coaching other business owners, if your new to construction, take advantage of jasons knowledge

-less reliance on subs due to the great staff at Avery

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Matt- be smarter faster...with finals for college students, take advantage of the latest technologies and techniques, Matt can help you

-teaches 3 different power tools...for memory improvement

-test tactic...where you study matters.....best place to study is in the room where you are gonna take the test (homefield advantage)

-Matt can work with your staff, improve your team

-small details will make a big difference, Matt has collected a bunch of tips that together make a big difference

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Ruth Watkins, Dominique Martinez, Steve Lehman

Ruth -

Ruth can help you understand what a "point" means on your loan

-a dollar today vs the value in the future...how long in the home?

-adj rates, fixed rates...if you can secure yourself with todays rates..stay w the fixed (primary residence)...if your plan is to get out in 5 years , then maybe a arm makes sense(flip in 2 years)

-check your closing packet, pullout your amortization chart, make sure you now how to reduce your principal balance

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Dominique-works with steel to give you the most creative and artistic look...to fences, gates, sculpture

-rustic steel creations

-gaspirilla stand up paddle board event coming up...4th annual at waterworks park...mc is gonzmart

-projects at busch gardens, pdq and benihanna, ...very busy due to its unique design

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Steve-led lighting, business owners need to move their business to LED lighting, industrial, commercial and residential...

-commercial properties can select low or high voltage, many design choices...up to 50% savings on utility bill

-flashlights, agricultural lights many lighting products

-luma grow lighting can be used hydroponically for home owners to grow their own produce...web connection allows luma to control growth rate

-cannibus production relies on controlled lighting

-turn off your cell phone before bed, the blue lights are bad for you...lights can damage you without obvious signs

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Leo Cannyn, Manny Febre, Ron Fuller

Leo-beryl can save you time during construction by doing (3rd party inspections)multiple inspections, rather than waiting for completion...roof to foundation...anything electrical, plumbing...etc

-the addition of a basement has caused issues for a homeowner, caused ground to shift with water table and pool cracked...etc

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Manny -febre frameworks is now offering head shots, update your social media, staff badges, brochures...etc with pro images

-offers drone footage for construction as well as real estate photography

-febre is moving into more markets...south and west

-trends in real estate photography, VR can be used to potential buyers to tour homes

-update your head shot, get out of the 90's

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Ron-Mossy oak has offices across florida, they use the best materials to build you a custom fence on site

-fences can last up to 20 years if they are built well

-fences for cosmetics...mossy oak can hide your fence with native plants, steel, pine, kiln died cedar...

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