Economy. Filing a homeowners insurance claim. Past success stories. Interest rates.

Episode Transcript

Speaker 1 (00:15):
Navigating today's real estate market can be tricky. Want to
buy or sell a house, finance or insure a house,
or stuck with a house and don't know what to do.
Florida Talk real Estate has been your local one stop
real estate shop since twenty twelve. Get the advice you
need from your local real estate pros. Here are your hosts,
Jim Depola and Johnny c. You live on Real Radio

(00:37):
Saturday morning.

Speaker 2 (00:38):
Welcome to another edition it's Florida Talk real Estate. We
got you for the next two hours of infotainment. Thanks
for being out there. I'll see you out there in
ninety two one one one seven. Appreciate you tuning in
on the old terrestrial radio. You know, the old school way.
Of course, there's a new school way. You can get
this fang Nangled app. You download that. It's a free download,

(00:59):
the iHeart Our Radio app. We're actually worldwide and you
can listen any corner of the earth. We've been talking
about the numbers popping up everywhere. And thank you for
tuning in regardless of how you're finding your way to
Florida Talk real Estate on a Saturday. We are live
on this thirtieth of August that's right, getting through August already,
and you're always welcome to be a part of the
program toll free eight seven seven nine two seven six

(01:22):
nine six nine with your questions, comments, concerns in the
world of real estate. If you'd like to be a
part of the conversation at hand, don't be shy. Go
ahead and dial in the first voice you'll hear. There's
our producer at short in their it's my guy, Jimithy,
my brother from another mother. How you doing, my friend
doing pretty good?

Speaker 3 (01:38):
Good morning, Jonathan, how are you today?

Speaker 2 (01:40):
I'm really good as well. Always a pleasure to see
my friend, A pleasure to see you as well.

Speaker 3 (01:44):
I think our Argentina numbers are coming up too.

Speaker 2 (01:46):
I'm that iHeartRadio app So I haven't gotten into the
South America audience now. I really haven't dove into the
numbers down there yet. Yeah I should worldwide as you say, Yeah,
we're coming up everywhere, truly, Johnny C your old buddy,
You're old pal. That's me. Let's get your starting lineup
on a Saturday morning. It's always a pleasure to say
good morning to Ross Kamarinets. He's with Bright Winging Insurance.

(02:09):
You know beach Ross.

Speaker 4 (02:12):
What's up, dude, Good morning, Good morning here.

Speaker 2 (02:14):
You're doing well.

Speaker 4 (02:15):
I am good. I am looking forward to this long weekend.

Speaker 2 (02:18):
Yeah, you know, it kind of dawned on me this morning.
I was like, that's a holiday weekend. Yeah.

Speaker 4 (02:22):
Yeah, it was a long week last week.

Speaker 2 (02:25):
So a nice long weekend coming off, yeah is always nice. Yes, excellent. Well,
hopefully it's an excellent weekend. And if you get a
nice long weekend, I hope it is for you as well.
We got a lot to get into, and of course
we're going to take good morning to our fearless leader.
Thirteen plus years now. I've told you that he runs
a top producing Calorwinios team, the Florida Home Pros team,
Calloweni was Innovations. There's Jimmy d Jim Depola.

Speaker 5 (02:47):
Aby, Hey, I'm doing okay, I'm lying technical issues. Yeah,
hold on here, let me see if I can judge
you here. Yeah, hold on here with computer.

Speaker 2 (03:02):
Computer's been fighting him pretty hard for the last week.
Four minutes, five minutes. Rights you're getting ready to go
to it's four decades true, probably better said, but right
as we're not ready to go, the computer put its
gloves on it's all come on, bitch you and me
to of course. Well so we've been having it over
here too.

Speaker 6 (03:20):
That's why I automated our intro and everything that you
didn't even know it too.

Speaker 3 (03:24):
Sound good?

Speaker 2 (03:25):
I'm good, ye SOS company. I'm glad you're going through it.

Speaker 6 (03:29):
Yeah again, a couple of weeks worth it?

Speaker 2 (03:32):
Why not? Why not?

Speaker 3 (03:34):
But making it work, making it what happen?

Speaker 5 (03:37):
If if anybody's on Facebook or YouTube, can you let
me know if you're hearing this, seeing this or not.
It's been one of those days. Hey guys, Happy South Florida.

Speaker 2 (03:49):
Let's go.

Speaker 3 (03:49):
It's been good on my side though.

Speaker 6 (03:50):
I mean, now our audio should be going, yeah, yeah
connected hopefully.

Speaker 3 (03:55):
Now you got your camera going so we can see
your beautiful face.

Speaker 5 (03:57):
I'm not showing anybody else showing up a book of
YouTube yet, so I don't know if it's working. We'll
figure it out, okay. Wanted to do a couple of
shout outs. The first one is I just sold a
house yesterday that I had for four months that I've
never seen. That's that's a challenge. I sold a house
I never saw on pomp Beach Gardens. So shout out

(04:19):
to Roberta and dedro We got the deal done, very
tough one. They were going through a separation basically. It's
a little more complicated than that, and it I actually
was a court appointed realtor, where the judge appointed me.
I've found out later through a bunch of people. There

(04:41):
is no list. Each judge has the people that they
know and they'll pick you. So you got to like
hobnob each of the judges. And I don't have time
for hobnobbin, So I don't don't.

Speaker 2 (04:52):
Judge evidently out there that you're on there their preferred list.

Speaker 5 (04:54):
Know what happened was is they asked the both sides
to give three attorneys to two or three realtors from
each side, and then he picked the one. So you know,
I had a background. I sold them the house five
years ago, so you know I knew when I was
familiar with Yeah, but I haven't seen the house for
five years in that wild So anyway, we got that

(05:15):
deal closed yesterday. It was really happy. Thank you so
much Roberto and djo for you know, for trusting our
team to do the deal. Congrats and congrats to Mary,
the owner of the property. She works for a really
big mortgage company that we use when we're not using MIC.
We've worked with them a lot with buyers because they're
very popular mortgage mortgage team, and Mary was really happy

(05:38):
with the house, and I felt like I had a
really good compliment for her because she works on a
mortgage company that does like one hundred and fifty mortgages
a month, this team, right, which is a tremendous amount, right,
and she's in charge of all that. She says, one
of the things I liked about how you put your
property on the market was that you priced it correctly
compare to everybody else. You didn't go super high hoping

(05:59):
to get this cret easy number that what you know,
and then let it sit there for ninety days and drop, drop,
drop the price. Right, So she said, that's why I went.
I was drawn to Yours was the price, you know,
based on the condition and everything was the price of
your unit. Sure, So we got that one done. So
thank you so much for trusting us to do that.
Also wanted to do a little bit of a sad

(06:22):
shout out. I hate to announce this for any of
the old old talk real estate with Robin Jim Jim listeners.
If they remember the show used to be called Talk
Real Estate with Robin Jim. We had a person from
Deadhelpers dot Com. And then eventually he went over to
the office poly Krasker. Kevin Maher. Kevin passed a week ago. Yeah,

(06:46):
and I'm gonna be going to a memorial service forum
and I'm sure a lot of people are going to
show up. Kevin was just a great guy.

Speaker 2 (06:54):
He was.

Speaker 5 (06:55):
He was so funny. The thing I always remember about
Kevin no matter what was happened, and he've always had
a joke. I used to say on the show that
he remind me of Chevy Chase, like a young Chevy Chase,
not the cranky old guy now right, but the young
young Chevy Chase about like his The way he looked
at life was just a really funny He had a
funny out outlook on life and he really expressed it

(07:18):
in a funny way.

Speaker 2 (07:19):
Yeah, he was. He was always great to be around,
and it didn't matter what setting. He was always an
absolute wonderful addition to any setting. That's that's very sad.

Speaker 5 (07:29):
It's very sad. Yeah, he's four years younger than me, No,
and he was he was at the gym oh Man Yeah,
so he works.

Speaker 2 (07:37):
Out and you get too many details. Oh man, that
is horrific.

Speaker 5 (07:40):
But he was at the gym and it's just very
very sad and uh sorry for his family. And the
thing is that what I loved about Kevin was that
he was like our team in the fact that he
really cared about people and it was all about service
to people absolutely, and it was never about how much
money can I make today, was all how can I
help people. I remember at one point he got in

(08:01):
trouble with one of the companies he worked for because
they offered services to purchase, like services, and he would
sit there at the company and say, you don't have
to you don't have to pay to do this. You
could do this for free because you know, he worked
for Tethelpers dot com. He's a free credit repair agency

(08:21):
and help you get government grants and things like that.
It's like a nonprofit group that helps you with government stuff.

Speaker 2 (08:29):
He actually got me through some classes I needed to
attend when I was doing my down payment assistance program.
The one I actually ended up with, I did a
lot through through Kevin and his group. That's a man,
that's terrible mess.

Speaker 5 (08:44):
Yeah, it's really really sad. So I'm going to be
going over there today to be with his friends and family.
I talked to his mom a couple of days ago.
She's in shock, I bet I know. Yeah, Well is
it a child? Is the most unnatural thing ever? Yeah,
that's the wrong order. Yeah, so too soon, too short. Yeah,
but I'm sure Kevin's smiling wherever he is. He smiling

(09:07):
and laughing and probably saying quit quit moping around. You know,
I'm fine exactly. So anyway, God bless Kevin, and just
very sad day on that. Yeah, yeah, thank you. I
felt like we had one more shout out. Oh yeah,
shout out to Jared. He took me on the boat yesterday.

(09:27):
We went fishing. Well, we caught mahi nice and shrimp
and lobster and lobster roll and Margarita's. We caught it off. Yeah,
it was It was pretty if you looked outside, the
storms were pretty bad yesterday and he just wanted to

(09:47):
go fishing memory. I was like, sure, Jared, I'll go
fishing with you. So I'm driving up to his house,
you know, to the dock to go fishing, and it's
pouring out like crazy enlightening, and I'm like are we
really going fishing today? You know? Tonight in we got
there and he was pouring out, he was stopping, went
getting you're ready, I got, I guess we're still fishing.
So we went out and then when he goes, I

(10:08):
think we should look at the radar, and then it
was just like all around us everywhere, and he goes,
I don't think we're going fishing. So we ended up
going to a restaurant and got my heat and shrimp
and margaritas. That sounds good. It's a good day.

Speaker 2 (10:22):
Yeah, it's not a bad day, a bad day exactly.

Speaker 5 (10:27):
So that was pretty cool and we got a lot
to talk about today. Good morning, Francis. Thanks for letting
me know that the show is working if if the
audio is going good, if it isn't going good, let
me know. We got a lot to talk about today.

Speaker 2 (10:42):
You talk about our stream. Everything is awesome.

Speaker 5 (10:44):
Yeah, our stream to talk like it's on. It's on Florida.

Speaker 2 (10:47):
Talk real Estate on Facebook. You can join the stream
if you're interested, and of course on YouTube as well.
Florida Talk real Estate lls home of a ton of
informational chunk videos and of course a live stream on
a Saturday when it's cooperating, and evidently it is currently
always remember too, Florida Talk real Estate is it dot Com?
You're one stop real estate shop. Florida Talk real Estate
dot Com. Know what is it? Levet shared Buying a home,

(11:09):
selling a home, stuck with a home, you don't know
what to do. If you need a professional in the
world of real estate, we got them just for you
at Florida Talk real Estate dot Com. That's Florida Talkrealestate
dot Com.

Speaker 5 (11:19):
Thank you, Johnny. I wanted where I want to go
over today is I want to talk a little bit
about insurance claims and filing insurance claim I'm not talking
about fighting the insurance claim or anything. It's just said,
you had some damage to your house and now you've
got to do something about it, and is it time
to call the insurance agent or not and file the
claim or not? And I thought Ross could give us

(11:40):
a lot of really good tips. Ross West is so sure.
We were talking yesterday and I gave him an example
and he goes, well, that example the other person would be.
I go, see, that's what I want to talk about today.
So we're going to talk about that. I think it's
important that people understand how to file claims and understand
what happens. I had a friend recently that filed a claim,

(12:01):
didn't like the amount that they got, uh asked for
more money, and then the state of Florida filed a
lawsuit and turned it into a lawsuit. And under the
new laws they are allowed to do that, where they
don't even though you're going to mediation, it's still considered
a lawsuit or something. It's very confusing to me. And

(12:27):
why that's important is that the owner sometimes has to
pay the legal fees up front now, which you didn't
have to do before. So but we're not going to
get into that today. Today's more basicly, something happened in
my house. You know, how do I file claim? And
should I file a claim?

Speaker 2 (12:44):
That kind of thing.

Speaker 5 (12:45):
So we're gonna talk a little bit about that. We
didn't really get into the market report last week, so
we're going to get into that we did at all, Yeah,
we didn't, even though I had in the headline. So
we're going to talk about the South Florida market report.
We're also going to talk about Florida. Man. They are
just trying to like totally rearrange conceptually what homeownership is

(13:06):
in Florida. I'm not saying it's a bad thing or
a good thing. I don't know what kind of thing
it is. But you know, before they were talking about
trying to end property insurance taxes, set property taxes. Yeah, sorry,
property insurance. That would be really picked. They're trying.

Speaker 2 (13:22):
It's like, you know what, we're going to give up insurance?

Speaker 5 (13:25):
You don't take it out? Wow, figure out huh property insurance.
Property taxes is one of the other right, But so
they've been talking about trying to figure out how to
end property taxes for homeowners right. I don't think that's
going to be happening, but they're looking in Other states
have gone a little farther than Florida and haven't gotten

(13:47):
to the result that they wanted. But now they're talking
about there's Miami state legislator that's talking about ending h
your ways.

Speaker 2 (13:56):
Yeah, I've read those headlines are popping up in the
last handful.

Speaker 5 (13:59):
Of So what I did was I did a little
background check last night when I read this stuff, because
I saw it on YouTube that some people were saying
they're gonna end hoays in Florida. I'm like, that's impossible.
That's not gonna happen.

Speaker 2 (14:12):
Well, I hope you have some substance, because every time
I've clicked, there's a whole lot of nothing in the article.

Speaker 5 (14:17):
There is a whole lot of what I did click this. Well,
one of the things I found out is I did
a background check to find out where this guy lives
because I wanted to know if I'm gonna tell you later,
I'm gonna tell you later.

Speaker 2 (14:29):
This is very self service.

Speaker 5 (14:30):
I feel like he's I was like, is this guy
really hates Hua's. I think he's having a problem with this.

Speaker 2 (14:37):
And that's the first thing I thought.

Speaker 7 (14:38):
I'm like, oh, this guy exactly.

Speaker 5 (14:42):
So I looked it up yesterday. I'll tell you about
that a little bit later. And we're also going to
be talking about because this is a really serious thing
that's happening right now, and it's unusual, it's newsy. More
deals are falling apart than ever before. Like you go
into contract on a house and it does not close.

Speaker 2 (15:00):
Another like really prevalent headline that's been popping around is
more and more. And it's a national thing.

Speaker 5 (15:06):
It's a national thing. It's a national thing. But I
just every time that we're going into countering. Now, when
you have a buyer and seller and you're countering, Hey,
I know we agree, you're going to buy the house
at this price, but now I want to buy it
at this price because of the repairs or whatever.

Speaker 2 (15:21):
We say countering. That's another way negotiating.

Speaker 5 (15:25):
Yeah, right. But what's surprising is now, I am always
very delicate about those negotiations, right, because people just lose
their religion today, right, and they'll just say, you know what,
I don't want to even sell the property to you.

Speaker 2 (15:41):
Right.

Speaker 5 (15:41):
It turns into those those kind of things. So you
have to be really careful. If you want the deal
to stay together, you got to be really careful of that.

Speaker 8 (15:53):
You know.

Speaker 2 (15:53):
I'm not surprised by that. I have been noticing an
alarming amount of people that find not to say that.
You know, when you're selling your home, there's going to
be some point where you're like, all right, that's my
that's my line in the sand. I mean, I'm I
get that everybody in every in every real transaction. I
get that, But I feel like you're like, that's the
hell you're gonna die on. It is really starting to

(16:14):
get more like a little speed bumpy for so many folks,
And I don't even it doesn't even matter what situation
you're like, Wow, you're really dug in on that, all right,
I mean teacher, it's like it's like it's the tolerance
level is getting less and less for humanity. I don't
know what.

Speaker 5 (16:33):
Yeah, people, they've had it a long time with that,
for sure. Yes, and so we're going to get into
all that. If you could just bear with me though,
because of my computer problems on my show, prep has
now been lost and I got to bring it back.
Give me a second.

Speaker 2 (16:51):
It's it's it's it knows where it.

Speaker 5 (16:52):
Is, well, it knows where it is, But if Jim
doesn't know where it is, it's lost, does exactly where it's. Oh,
I guess. While I'm doing this, let me do another
shout out. And of course, now can you believe this?
What is going on today? I cannot believe this.

Speaker 2 (17:11):
What happened.

Speaker 5 (17:14):
All the show prep I did is now gone, so
that hit their lead. But oh my god, when I
shut off the computer to change everything around, let me
go here. Okay, so let me do another shout out.
I'm sorry. While I'm doing this. At the same time,
shout out to Brian. I can't believe I didn't say
the shout out. Brian was a guy that sold his

(17:35):
house and we're all Palm Beach with us about a
month ago and we went up to Dunellen last week,
which is near o'calla, and we got him into contract
on a new construction home. He didn't really here's a
perfect example. The house was listed for I'm gonna give
real numbers on this because we didn't buy it, right,

(17:55):
So the house was listed to three ninety six. It
was a four bedroom, two bath home on an acre
up in Dunellen, so that's not too bad brand new construction.
Never lived in how much three hundred and ninety six
with an acre in a development or no one offs right,
So this was a small developer, so we had no
bank behind him to offer discounts and stuff like that.

(18:19):
So that's discount of And the house has been on
the market for a year, right, it's been on the
market for since twenty well maybe not a full year,
but it was bet on the market in twenty twenty four,
but it was like nine months old and he already
had a couple of price drops and the house was
really nice and Brian liked it and we went back
and we structured the deal. While we were asking basically

(18:42):
for a five percent price drop, right, which is what
the going rate is out there for the average home
out there. They're selling for about five percent below. Brian
was willing to come was willing to get off of
that number, but that was his starting number to negotiate with,
and he would come up if he had to, but
he wasn't gonna come up to full right, like if

(19:03):
he was just gonna buy full asking price with no
seller concessions, so I've paid closing costs or down payments
or anything. He wasn't interested. We countered, they countered back,
and they gave us less than one percent for the
for seller concessions. So what seller concessions means is, hey,

(19:23):
mister seller, I'm going to give you three hundred and
ninety six thousand for your house, and I'm gonna give
you back four thousand closing. The seller is going to
give me back four thousand of closing to help pay
for down payment, closing costs, prepaid stuff like that. One
percent isn't very much, then we found out because so
when the tax bill came, when the house was put online,

(19:46):
when Brian gets the tax bill in November. The tax
bill was going to be like five thousand dollars, but
right now the tax bill is like eight hundred dollars
for the proper pretty tax bill. So and what happened, right,
because Jimmy went through that it was basically just the

(20:07):
property right, just the land right not to develop. But the
problem with this one was, and this was a weird
one because it was coeed right at the edge of
when last year's tax bill was clicking or whatever. How
you do proations when you close, you have to do
proations for taxes, and proations mean that the seller is

(20:27):
given the buyer some money for future taxes. Right, So
they were only going to budget it on the eight
hundred dollars tax bill, but he was going to be
getting a five thousand dollars tax bill in November. So
he was like, I want to get the proation as
if the tax bill is five thousand dollars, because that's
what I'm going to pay in November, right, And the
guy said no, And we were kind of surprised, and

(20:51):
they wouldn't let us talk. The agent wouldn't let us
talk to the buyer the seller. We wanted to get
everybody in the phone to try to work it out.
We wanted our mortgage broker talking to the title company
with the seller and the agent of course right and
the agent said no, I'm not doing that, and we
said okay, and then Brian goes, let's look at other houses.

(21:14):
We went and looked at a couple other houses. Brian
found one he loved. It was fifteen percent below that
other house, and he grabbed it and he took He
canceled the other one. We never paid an inspection or
escrow or anything because we had time. So we went
and found the other house, negotiated, and then canceled on
the other one. So he's in a contract for a

(21:35):
house right now. I'm really excited for him. Three bedroom,
two bath. He just had the inspection on Thursday. Everything
went out perfect. He already has plans of putting an
extra building on because it's an acre piece of land,
so he wants an extra building, metal building on there,
and he wants another thing over there, and he already
had during the inspection, he already had the contractors out there,

(21:57):
like for the metal building, find out where I was
going to go. Costs, you know, cost effectiveness and all
that stuff, So it's pretty cool. So I'm really happy
for Brian. Thank you so much. The seal, the cell.
I'm not gonna would here, but the purchase was so
much easier than selling his house. Really, it was like
completely night and day experience. Selling his house was hell.

(22:18):
In fact, when we closed, he looked at me and
he goes, Jim, he said something to this effect. I
don't want to be too dramatic, but he said, Jim,
he never gave up on me. He goes, you always
thought you were going to do it. That's how bad
it was to sell that out. You know, it's bad
when the seller saying, Jim, thank you so much. You
never gave up on this. Yeah, that's the real part.

(22:41):
And that's the real part. And that's what I said
to him. I said, well, thank you for trusting me. Sure,
and you know it was a journey we went on together.
So normally, if somebody was buying an o'calla, I would
normally just have an agent out there, like I would
place him with an agent up up in o'calla. But
Brian was like, Jim, I want you to do this deal.
So I was more than happy. So congratulations Brian.

Speaker 4 (23:02):
Curious on the house that you guys didn't buy, Hm,
when does that.

Speaker 2 (23:10):
When?

Speaker 4 (23:10):
Like what because you said it's very close to when
it you know the c date and the taxes and everything.
What date does does they become like legally or whatever
responsible for that portion? If it was five thousand, right
like when they.

Speaker 3 (23:29):
Have a city, so when, like she was the tax
rate too.

Speaker 4 (23:33):
And so if I were like at what date if
I were to buy that house, our whatever thing would
be based on the five thousand.

Speaker 5 (23:43):
Not not the eight hundred. I don't know the answer
that this was a brand new thing that never happened
to me before, and I wouldn't even thought about it
except the mortgage broker, Brian's mortgage broker. He Brian's known
this mortgage broker for twenty years. That she gave him
a great deal. That's why he didn't go to mic.
But Carrie Bruffy is the name of the mortgage broker.

(24:06):
She's the one that came up with us and goes
Jim at closing, we might have an issue, so let's
deal with it now. I don't know the timing of
all of it. It was very unusual to me, and
even describing it to the sellers to explain what was
going on. I was like, look, I've never had this
happen before. But the mortgage broker saying that the taxes
are going to be like four thousand short for reconciliation.

(24:29):
It's gonna be like four thousand short, and that's going
to fall on us. And if you're only giving us
a four thousand dollars credit, all you're doing is given
us the money that you were going to supposed to
pay for taxes. So the money is just going to
something that we shouldn't have paid anyway. I go, so
you're giving us nothing. We're paying full price for the house.
And they just didn't seem cared. And you know, the

(24:51):
funny part is the guy, the builder, He was a
really nice guy. I thought it was weird when we
drove over to see the house. The builder was there
and he was in the garage and he has all
this tools there and it's a brand new home. It's
nobody's lived in it, but it looks like you turned
that garage almost into like a mini office. And he
looks like he was kind of bored, and he's just
kind of like tinkering around in the in the garage

(25:13):
because he has nothing else to do right now, and
I felt like he almost like didn't want to sell it,
like it was like a place where to go, it
was like his office. I don't even think he was
upset that the deal fell apart or anything. I was like,
I think, is that just like okay whatever? And that
was okay because we weren't upset with him either. It's
just like, hey, we see better values.

Speaker 3 (25:33):
Somewhere else worked out.

Speaker 6 (25:34):
I wonder if that varies by municipality too, because I mean,
that'st obvious property taxes.

Speaker 4 (25:38):
And we're just running out of time in the year, right,
So you know, in a real estate transaction doesn't close
in two days, so you know there's thirty to forty
five days that you've got to tack on. So at
some point pretty soon, I would imagine like that's just
going to be a mandatory part of it.

Speaker 5 (25:57):
Yeah. Yeah, But I wasn't able to figure it out.
But we did get it resolved, and thank God for
Brian that he's moving where he wants to be. He retired,
he wanted to downsize, so he's in the house. It's
almost the same square footage as his old house, but
the costs are all a lot lower, no hua fee,

(26:20):
the insurance he was paying I think six thousand dollars
a year insurance in his old place and now he's
going to be paying like two thousand a year for insurance.

Speaker 3 (26:31):
So was the house that he did end up buying
also new construction.

Speaker 2 (26:35):
Or was that a no?

Speaker 5 (26:36):
That was also the interesting thing. That's why. That's why
I asked Ross what I did last week. Is there
a difference between a twenty twenty house and a twenty
twenty five house as far as insurance? Remember I asked
you that last week. That's why because it was Brian
Steele and I wanted to see if there was a
difference in the insurance thing because he was trying to downsize.

Speaker 4 (26:54):
Did anybody actually look at it to say, I.

Speaker 5 (26:58):
Don't know yet? You know it's with you. He just
went into contracts. We haven't even done the insurance policy yet,
so I'm sure we'll be coming to you next week
for sure. And Kelly, he's going out there tomorrow to
see the house with his girlfriend. So everything's going great
out there. Congratulations, excellent, Dunellen's very old Florida out there.

(27:19):
It feels like really old Florida out there, I like it. Yeah,
if you don't have to be there, yeah, they do.
And if you don't, if you don't have to have
the beach right you know, right around the corner from you,
it's pretty nice out there.

Speaker 2 (27:33):
I don't think there's many that have to have the beach.
You bet at the beach lately, Well, the Ross is
like one of them.

Speaker 5 (27:38):
Yeah, Ross is the beach.

Speaker 2 (27:39):
Some beaches, yeah, manny beaches there They're like, where is everybody?

Speaker 5 (27:44):
Yeah? Yeah, it's pretty crazy. Okay, so let me go
here because I lost my show prep.

Speaker 2 (27:52):
Let's take a break. Oh is it?

Speaker 5 (27:54):
Oh? Great?

Speaker 2 (27:54):
Nine nine?

Speaker 5 (27:55):
Perfect's take the break. That way I can Bill rebuild
the show. Breck.

Speaker 2 (27:59):
We'll get back. Well, we gotta talk, should you?

Speaker 5 (28:02):
I don't know, I don't know. Yeah, let's go. We're
going to follow claim right away.

Speaker 2 (28:07):
Mystery, we'll be Mystery.

Speaker 5 (28:08):
We'll choose the adventure.

Speaker 2 (28:10):
Come in the wheel, Yeah, we can't spend the wheel.

Speaker 5 (28:12):
Remember that board game Mystery Date the girls used to
use Little girls used to play Mysteret Date. I don't Oh,
that's so old. It's so old. It was like a
little girl's board game.

Speaker 2 (28:22):
Why were you playing?

Speaker 5 (28:23):
No? My sister had no I did.

Speaker 4 (28:27):
I mean date, like sit there with a little crown
on you.

Speaker 2 (28:33):
When do you go in the closet for like five
minutes at a time or something.

Speaker 5 (28:36):
No, what happened? I don't know. It's like remember those
some old board games where you can put latex clothes
on them and like dress them up and stuff and
then peel it off. They were like, peel they close,
don't this is so old. This is like nineteen sixty stuff.

Speaker 4 (28:52):
Back the other day, did you really?

Speaker 5 (28:55):
Yeah, you did a what?

Speaker 4 (28:55):
I made a shrinky dink?

Speaker 5 (28:57):
What's a shrinky dink?

Speaker 2 (28:58):
Wow? That's cool?

Speaker 3 (28:59):
Show you to break?

Speaker 2 (29:04):
No, I didn't know. You know, they still made srinkys.

Speaker 5 (29:07):
No more male genitalia jokes. Last week when we were
joking around the weeness.

Speaker 2 (29:13):
That was your that's your elbow.

Speaker 5 (29:14):
By the way, I know there was a person Jackie,
who listen to show, like, stop it enough already. I
didn't see it until afterwards, but she kept stop it,
stop it enough already, Sorry Jackie. And we were talking
about it right exactly.

Speaker 2 (29:29):
We're not doing the show for you. You could turn it off,
you come back, you know you can do that.

Speaker 5 (29:36):
But there you go.

Speaker 2 (29:37):
Jackie, actually not say thank you for being out there though.
Uh yeah, I didn't even know they still made trinky dinks.
That's amazing. It makes a little popular when I just
makes like little plastic trinket things, right, I mean that's
basically what a shrinky dig is.

Speaker 4 (29:53):
So I thought this little kind of thin piece of
like kind of paper looking thing and you put in water.

Speaker 5 (29:58):
Oh no, color I never heard.

Speaker 4 (30:01):
And it shrinks down into like almost like a little
piece of glass.

Speaker 5 (30:04):
Yep, Oh no, I never heard of that. I thought
it was the opposite where you put in water and expanded.

Speaker 4 (30:08):
Those are the little dinosaurs. I remember that those are
still around too. Yeah, yeah, we show you one of
those there. We got a four minute reset. Sorry, Jackie,
we'll be right back.

Speaker 2 (30:21):
Of course, you're always welcome to join us toll free
at eight seven seven nine two seven six nine sixth night.
And if you're not comfortable on the radio, believe me,
I get it. Go to floridatalkrealestate dot com access to
the entire team. These are pros, pros experts in their field,
and we need to need a professional anything that touches
the world of real estate. I got one for you.
Florida Talkreestate dot Com on Facebook, on YouTube, No it,

(30:43):
use it, love it shared. It's Florida Talkreestate dot Com.
We're back in four minutes. Thanks for being with us
every Saturday Florida Talk Real Estate right on Real Radio.

Speaker 1 (31:07):
This is Florida Talk real Estate with Jim Depola and
Johnny C. Got a question for the show. Call us
live at one eight seven seven nine two seven sixty
nine sixty nine.

Speaker 2 (31:16):
I'll give it to you again eight seven seven nine
two seven six nine six nine toll free. We got
plenty of time for you on this Saturday. Two hours
of infertainment is what we offer you up. Of course,
we'll get you into the locker room at eleven. It's
the thirtieth of August.

Speaker 6 (31:31):
It's officially like a college football Yeah, so speak of
a witch. Guess what we got four o'clock today.

Speaker 3 (31:37):
Little Florida Gators coverage starts at four o'clock today.

Speaker 7 (31:41):
You're on Real Rate.

Speaker 4 (31:43):
Does anybody care?

Speaker 2 (31:44):
Yes, Yes, the answer is yes.

Speaker 3 (31:47):
Ross sounds like somebody from Florida State might.

Speaker 2 (31:50):
Yeah, that's right.

Speaker 4 (31:51):
Three thirty go.

Speaker 2 (31:51):
No, see the colors on a shirt. Those colors do
run by the way, but they're fast, they are very fast.

Speaker 4 (32:00):
You didn't win, but you didn't.

Speaker 2 (32:04):
You just didn't catch that, Johnny C. That's me. Jimmothy's
a pretty strict shorten air with someone no no.

Speaker 3 (32:11):
And good morning gentlemen, good morning.

Speaker 2 (32:14):
And Rosskamaronetts he's the one over there talking trash about
nam Gator boys. He's with bright Winter Shuts Juno Be.
He doesn't ingest. It's lighthearted, it's fun, it's it's it's
it's rivalry based is.

Speaker 4 (32:24):
What it is. That's right. You know, I'm a forty
seven year old man and have no vested interest in
these eighteen year old twenty year old kids. That's during
whatever color jersey they're wearing that even matter, right, can't
has no effect on my day.

Speaker 2 (32:37):
Nope.

Speaker 4 (32:38):
Food goes on the table no matter what.

Speaker 2 (32:41):
Yep. You want to be able to tell who wins
or lose based on my my psychear my food.

Speaker 4 (32:45):
And I have no idea who's even on this color
came no clue go.

Speaker 2 (32:50):
Whatever, I really hardly follow it.

Speaker 4 (32:51):
Ever, this color has no idea.

Speaker 2 (32:53):
Yeah, what colors? I don't even know.

Speaker 4 (32:55):
These are called garnet and gold.

Speaker 2 (32:56):
Garn it in gold.

Speaker 4 (32:58):
Yeah, that's right, go.

Speaker 2 (33:00):
No, hey, good luck to your boys and season too.
But everybody's healthy.

Speaker 4 (33:10):
Yeah yeah, except for late November.

Speaker 2 (33:15):
Oh you hate it. Of course, we are home of
Florida football, so enjoy that. Get it all over your face.
And then some jim Jimmy d over here. He actually
roots for the Gators. You know why because he's a Gator.

Speaker 5 (33:27):
I went to the uff he did.

Speaker 2 (33:29):
There's Jimmy d with the Florida Home Pros team. Calor
wedding was innovation of Jim Depola. Go Gators.

Speaker 5 (33:33):
I got to tell you that I still miss when Florida,
Florida State was like the football state. Right. Remember back
in the nineties it was FSU, Miami and Gators and
it was like all day long.

Speaker 2 (33:47):
It was mostly we were always Miami and the Florida
finally broke through it, which finally got there.

Speaker 5 (33:53):
We had Yeah, we had like three in the top
ten always. It was almost like said and to forget it.
They were always in the top time. I think there
were three in the top five. Uh sometimes they were
like in the top five together. That was a lot
of fun.

Speaker 1 (34:06):
I like that.

Speaker 5 (34:07):
That was that was so much fun that was at
that time.

Speaker 3 (34:09):
Now you see is the main team.

Speaker 5 (34:11):
I know, isn't it wild?

Speaker 2 (34:13):
Isn't it? Or watch us have rolled Boise the other night,
I rolled Gator's. Got us F next weekend? Today? Yeah,
that's a long island today coats us F next weekend.
But I hardly pay attention. Hardly.

Speaker 5 (34:32):
Hey, let's let's start off. Let's start off with the
homeowners association thing.

Speaker 3 (34:37):
We're gonna spin the wheel of topics.

Speaker 5 (34:39):
Yeah, you want to do it that way?

Speaker 2 (34:42):
Come on making something interesting.

Speaker 5 (34:45):
Oh, it's the homeowners association.

Speaker 2 (34:48):
How many of those are on there? That felt?

Speaker 5 (34:50):
Yeah, it's like, uh, it's like the rouletted in Vegas.
It has the triple zeros now or whatever?

Speaker 2 (34:56):
Right, are those really popping up in Vegas?

Speaker 5 (34:58):
They're they're on every every strip has them. Now you
can't get single zero.

Speaker 2 (35:05):
Every property has has triple zeros.

Speaker 5 (35:08):
And you know how they do the triple zero. Here's
the thing. The trages are crazy. So you have the zero,
you have the double zero.

Speaker 2 (35:14):
They put all three together, don't they know they separate.

Speaker 5 (35:16):
They kind of move them around, but they have a zero,
a triple zero, and then I mean a double zero.
You know what the triple zero is the logo of
the casino, so they don't show you that it's triple zero, right, right,
isn't it? Yeah? I do like Vegas. I used to
go out twice a year and stuff. When I went
out the last time and I was very sick, I

(35:37):
cannot believe how And I know everybody's talking about this
on YouTube and everything, how expensive it is out there. Yea,
it's so freaking expensive to get hammered. Oh yeah, I
mean eleven percent down in traffic right now, which is
unheard of huge. They're down to seventy something percent for

(35:58):
room occupancy when they're really like eighty five to eighty
eight right now, they're in the seventies, right, So just
to go, I went downstairs when I was sick. When
I was over there, I was at the Cosmo. I
went downstairs eat Dave's Hot Chicken, oh yeah, which I
never had it before.

Speaker 2 (36:14):
I was sick.

Speaker 5 (36:14):
If I just eat something, I didn't want to cook
or I couldn't cook. But you know, I didn't want
to sit down, so I was just going to grab
the food and bring it back to my place. So
I had I had a Dave's Hot Chicken sandwich, a
drink and fries.

Speaker 2 (36:28):
How much at the Cosmo. Oh yeah, twenty seven dollars.

Speaker 5 (36:33):
Yeah, it was close to forty dollars, right, just for
a sandwich. Right, you're going it's like going to a
fast food restaurant and you know what, Dave's hot chicken
is good, but it's not that good. No, it's still
a fried chicken sandwich. It isn't. There isn't.

Speaker 4 (36:47):
I would love to see the price breakdown of each item.

Speaker 5 (36:51):
Oh, I know what they cost, the margins, just like
his total.

Speaker 4 (36:55):
Order was, oh yeah right, like well, how much was
the sand how much was the drink?

Speaker 5 (37:00):
Well, like the fries were like six bucks or something
for fries or something like that. Just the fries and
the drink. You know, it was five bucks or six
bucks alone, and the sand was just twenty something dollars right,
So it was just crazy, right, and you're sitting there
it's like what value you're getting here?

Speaker 2 (37:18):
Right?

Speaker 5 (37:19):
And then they're charging you for everything. And before when
I used to go to Vegas because I haven't gone
out a long time, I went. You know, when you
used to go out and do the valet thing, or
if you went to go get a cab or something,
you'd always tip the valet guy right a buck or
two bucks or something right, even though they're just standing
there open up the door and closing the door. Well,
I was just used to doing that. So when I

(37:40):
was at when I was at Vegas last time, I
was doing that tipping, and I got so frustrated with
the costs and everything. I was actually like, I don't
know if I want to tip as much as I
normally tip. And I'm not that kind of person, but
it affected me. But the thing was what was funny.
I didn't tip twice, and I actually felt guilty about it,

(38:00):
right because these guys got to make a living too.
And then I noticed nobody was tipping right, and when
I tipped, and then I in the way I noticed it.
I gave the guy, I don't know, two bucks or
three bucks or something, and the guy was like, thank
you so much, like it was like unheard of, like
you never heard of the tip before or something like that.
And then I realized nobody was tipping anymore. Why parking

(38:22):
is parking is not free anymore in Vegas and Valet
is like it's Caesar's Palace. Valet's minimum forty bucks, right, tip?
I know, I know, it's crazy. Tips are going down
really bad over there.

Speaker 2 (38:40):
It's just tips are going down everywhere from what I'm heading. Yeah,
I guess that's one of those things that people are
eliminating to try to help offset some of the expenses
in their life.

Speaker 3 (38:50):
I guess, Well that didn't.

Speaker 6 (38:51):
Everywhere you go they look for a tip too. I mean,
you know, even you walk up to a counter and
they're just handing you you order, they're asking for a tip. Right,
that was just you know, a standard just giving your thing.
That's you know, you're getting paid a regular salary, right,
you know, tip salaries or you know, people that don't
make minimum wage typically typically right, you know, back in

(39:12):
the day, and hey, I tell you you talk about expensive.
Has anybody been to the New Universal Epic yet?

Speaker 9 (39:18):
No?

Speaker 6 (39:19):
I can't imagine what a burger goes for in that place? Oh,
regular Universal and those I mean, I'd love going there,
and you know and everything. I'm not trying to, you know,
bash them too much of a boy just trying to
get a little bit of food at one of those places,
an amusement park anymore.

Speaker 2 (39:35):
It's ridiculous. Well, I'll tell you it's a I'd rather
overpay and be able to get it then have to
walk around and try to find someplace open, because you
can get both experiences in the music parks where you
walk around going nothing's open. How do you I can't
even get a slice of pizza. I can't find anything

(39:56):
open to where you or the opposite, which I would
probably probably prefer to spend a couple of extra bucks
to at least have some options to go get some things.

Speaker 3 (40:06):
And I'm not restaurants in the park.

Speaker 2 (40:08):
Yeah, just man, I can't even tell you how many
times we went to SeaWorld really particular, yep. And you like,
you keep walking, keep walking, you walking past food options
because they're not open, they're not staffed, nobody there. Yeah, no,
I don't know. I guess it's it's a weird mix.

Speaker 4 (40:27):
Yeah.

Speaker 2 (40:28):
I'd rather overpay and not have to walk to the
other side of the park to get it. Fair. What
about you, Ross? Would you rather overpay or walk?

Speaker 4 (40:36):
I think if I would have seen that I was
going to pay forty dollars for a chicken sandwich, I
probably would have healed toaded express somewhere else.

Speaker 2 (40:46):
That's probably a good point.

Speaker 4 (40:47):
Yeah, almost round back, Like, you can't charge me forty
bucks for a chicken tad and it's fast food chicken sandwich.
It's not like this was a special restaurant chicken. This
is the one that you could go down the street
and pay eight bucks for, right. This his whole life,
the same hot chicken that's on Okacheby Boulevard, right or something. Whatever.

Speaker 5 (41:11):
Me, No, buddy had a dinner as one of the
few dinners that I went to because I was sick,
and I went to one of Guy Furia's places. And
I never ate a Gary Fiuri place before. And I
know he's kind of a local boy now, you know,
because he owns well I think he owned in Lakeworth
Beach and now he lives in in Alaphant or something,
so he's down here. He has a couple of restaurants.
I've always been a big fan of dinners drive in,

(41:32):
you know, the radio, the TV show he's been on.
But I got to tell you though, I mean, I
went out to dinner with this guy. We had two
very small meals. We didn't have like desserts. We didn't
even have drinks, like alcohol drinks or anything. And two
people was over two hundred dollars right, no drink, right,

(41:52):
And all I had was some brisket, right. It wasn't
like this like big olaber meal. I had like some
barbecue brisset brisket in like the side stuff, right, just
the normal side stuff. It was like two hundred bucks
all the cart huh. Yeah, and it was one hundred No,
I don't think it was ala carte. It was just expensive, right,

(42:13):
not very And yeah it's one hundred dollars a person.

Speaker 4 (42:15):
Yeah, man for that, even though that's you know, expensive. Yeah,
but it wasn't versus the forty dollars chickens.

Speaker 5 (42:24):
But the thing that bothered me though, the thing that
bothered me about it, And like I said, I'm a
Guy Fury fan, so I'm not I'm not ragging on them,
but I'm just being honest. It's like it was no
bit better than the Indian Town Barbecue place you can
go at Indiantown Road by ninety five. The food was
about the same, right, and you can get that food
to two people. It's like sixty bucks. Yeah, exactly.

Speaker 2 (42:49):
Where I heard Bucky slaves the brisket exactly.

Speaker 5 (42:54):
I do. I do want to go back out there though,
for the Wizard of Oz on the sphere that looks
reading awesome.

Speaker 2 (43:01):
It just it just started. My mom was going in
a few months.

Speaker 5 (43:03):
Oh yeah, that's right, she said, she's going, I really
want to go do.

Speaker 6 (43:06):
That something else that's super expensive, but yeah, that's something
I might even drop a dime on.

Speaker 5 (43:11):
That's like two hundred dollars a ticket almost, I think. Yeah,
you can.

Speaker 2 (43:15):
You can see a bunch of a bunch of video
of because it just started. You can see a bunch
of video on social media and whatnot. What I've noticed is, yes,
it's going to be a really immersive, awesome experience. One
of the coolest ways to watch it. Wizard of ouss.
If you like it, you're gonna love it. As long
as you can handle the motion sickness aspect, you can

(43:36):
handle the heights like there's it's gonna be physically demanding
on you because just because it is severe alone. Yeah,
but I noticed that the capacity in there is very
minimal and it's probably price point.

Speaker 5 (43:49):
Yeah yeah, that's why. Yeah, because it costs him two
billion dollars to build that thing.

Speaker 2 (43:54):
Well, you're spending like one hundred and fifty bucks ago watch.

Speaker 5 (43:56):
A movie, right exactly, That's what you're doing.

Speaker 2 (43:57):
It's what you're doing. You're watching a movie. Now it's
in the sphere and it's not just the movie. They
do a bunch to make it immersive, but that's that's
a hard ask for a lot.

Speaker 5 (44:06):
And that it isn't going to be the original movie.
They they changed it, they aied it, and they cut
it out. It's only seventy five minutes long now. It is,
you know, shorter than the original movie. But the graphics
when I saw a couple of days ago, it looked
pretty amazing.

Speaker 2 (44:22):
Oh yeah, well and they and they again they take
you there, there's there's you're it's immersive.

Speaker 5 (44:27):
Yeah, yeah, for sure.

Speaker 6 (44:28):
Eighteen six hundred seats and sphere. Yeah, that's the capacity
according to Google. And they can would standing room and
get up to twenty.

Speaker 5 (44:36):
Nice. Since we've been talking about costs and expenses and stuff,
let me just throw this out here so we can
get over this port. A new inflation report came out.
This is very important about whether the Fed's going to
cut the rate or not. It looks like this report
reinforces that the FED will cut the rate in September.

(44:57):
It's called the Personal Consumption Expenders Price INDECKS.

Speaker 2 (45:01):
Yeah. This came out Thursday.

Speaker 5 (45:02):
A yeah, it came out Thursday, a couple of days ago.
Now here's the thing that I found interesting in April
the inflation rate for this personal consumption expenditures, which basically
is all the money that people consumers spend for goods
and services.

Speaker 8 (45:22):
But not housing, not housing, not electricity, no fuel, and
not food. Right, And I think take everything else, yes,
but I think taking food outs.

Speaker 5 (45:34):
Like to me, people very price sensitive about food.

Speaker 2 (45:38):
Foods, foods where the inflationary aspect has really felt the most.

Speaker 9 (45:42):
It.

Speaker 5 (45:42):
Yeah, I agree with you, But the PCE doesn't consider that,
and for whatever reason, the FED prefers this over the
consumer price indecks, which does include food. Right, But the PCE,
this is what I'm wondering, is in April the inflation
rate year over year was two point two percent. Then
in May two point four percent. Now this is coming

(46:05):
directly from the US, the US Bureau of Labor and Statistics. Okay,
so I'm getting this directly from the source, not an
article about the source. So the Bureau of Labor Statistics
says April we're at two point two percent inflation, May
two point four percent, June two point six percent, and

(46:26):
July two point six percent and they're saying that we're flat.

Speaker 2 (46:31):
Well they're saying that's just terror related.

Speaker 5 (46:34):
Right, But the thing is is they're making it sound
like we're flat and we went from two point two
to two point six and three months, and they're not
ignoring that if you looked at it on a chart,
it wouldn't look flat. Right, let's just put it that way. Now,
it's flat for month over month, right from June to
July state and that's a good thing. You know, that's

(46:55):
a good thing. So right now I have to say,
you know, and I've been saying in this because people
get so political about this economics stuff, and I know
politics are involved, but really, if you just look at
the numbers and try to have your politics, if you
will decide based on the numbers.

Speaker 2 (47:13):
Me before you let me interject real quick, let's talk numbers. Yeah,
you see the GDP numbers for the second.

Speaker 7 (47:18):
Quarter, there's like three point three or something. So that
right there means you do nothing as the FED because
that's a very strong Yeah, so all the numbers gotta matter.

Speaker 2 (47:29):
When that GDP number came out, and again all the
devils in the details, you're like, oh, the GDP is
supported by our spending exports actually went down. So when
you when you extrapolate the actual facts of how the
GDP went up from quarter to quarter, you're like, oh,
it's not great. But if those numbers are real and

(47:49):
we're gonna stand on it, the FED should do nothing.

Speaker 5 (47:53):
Because you're worried about hyperinflation, right, that's what you're worried about, right,
And I understand and where your concerns are about that,
and I have very high concerns about it too, But
right now I don't see the statistics reflecting that we
should be panicking about any of this stuff at this point,

(48:13):
like a big like, I don't even think this quarter
rate is going to make a I think it's a
nothing burger, right quarter points?

Speaker 2 (48:21):
Do it? Why do it? Well?

Speaker 5 (48:22):
I kind of agree with you on that, but.

Speaker 2 (48:24):
But because if you do anything more than that, you
are signaling to the investors that something's amiss. So why
do anything? Why is it just to appease those that
are barking at it? Because again, if our GDP is good,
our employment number is good, we're not adding jobs at
the rate, but we're actually like our work pool is

(48:46):
shrinking through other means, other reasons. Our pool of workers
available workers is shrinking daily, so to add all these
jobs feels fruitless. And we talked about it last week.
Companies aren't going to be spending money even if we
lower rates. They're not going to be spending money to
just add jobs for no reason, for no reason right right,
because they're making profit over profit over profit right now.

(49:08):
GDP's up quarter over quarter. I don't know, just the
numbers are weird and they don't they don't almost connect
in the right ways, so it feels like they should
do nothing. But I don't know. I'm starting to get
in on your train a little bit there. They made
nudget a touch.

Speaker 5 (49:23):
Just oh, they're definitely doing it. I feel very confident.
I'd be I will be stunned if they don't do
a quarter point drop. And you know, I'm I'm not
always listening to the media and agreeing with them. I
usually zig when there's zagging on a lot of stuff.
But I just don't. I just I think the quarter
point drop is going to happen, because you got to remember,

(49:45):
back in November they were planning. They were planning on
right fed rate, but they were planning on did I say, mortgage,
which is completely different.

Speaker 2 (49:56):
Each other.

Speaker 5 (49:57):
The plan was in November that they were going to
continue to do the drops through the beginning of this year,
and then we had the surprise tariff announcements and then
all bets are off and they said, well, we want
to see how the smoke clears, And really the smoke
hasn't cleared on any of that yet. I still think
it's very I'm gonna use the same analogy cloudy. I

(50:18):
think it's a very cloudy market right now to understand
really what's going on. I am so hyped out about
no pun intended about stagflation because I just don't want
to see this country get into stagflation again. That's going
to be a multi multi year, really drag on the economy.
It sucks for everybody. I just I'd almost rather have
inflation without stagflation, right because at least everybody's employed, but

(50:43):
everything costs a lot, as opposed to nobody's really working
that much and everything costs a lot.

Speaker 2 (50:50):
But why do you have unemployment concerns.

Speaker 5 (50:52):
Though, because of the last three months we've only had
like thirty five thousand a month jobs.

Speaker 2 (50:58):
We don't need to be creating jobs at that kind
of rate.

Speaker 5 (51:01):
There he is break even? I went to fifty thousand
a month is break even.

Speaker 4 (51:06):
I went into Walgreens this morning.

Speaker 2 (51:08):
You were the only one in there. I was, yeah,
you walk around, there's.

Speaker 5 (51:13):
Somebody, there's no I'm like Greens or Walmart, Walgreens, Walgreen's okay, no.

Speaker 4 (51:19):
Employee to be seen. And I was like, dude, is
this one of those things? You know, you watch a
lot of datelines and you know, forensic files, and I'm like,
is this where like the dudes tied up in you know,
somebody's tied up in the the you know what I mean.

Speaker 5 (51:31):
Yeah, like you've getting robbed or yeah, yeah, I mean for.

Speaker 4 (51:34):
Like five minutes and then finally I hear a door
open and just kind of one person.

Speaker 5 (51:39):
Just was that was that the Indian town by the
clock tower thing?

Speaker 9 (51:44):
No?

Speaker 5 (51:44):
Oh, because that's how it was that the Walgreens.

Speaker 2 (51:46):
Over there just like that for a CVS.

Speaker 4 (51:50):
Every store like they just like why they don't why
would they hire anybody?

Speaker 5 (51:54):
I went into I went into Walgreens a couple of
weeks ago, several month and a half ago or something
to get a prescriptions. On a Sunday, I went into
Waka and click, they want to give me antibotics or whatever.
Walgreens is closed for pharmacy on Sundays. I'm like, what
pharmacy closes on you know, it isn't open seven days

(52:14):
a week and that. Yeah, this is at ten o'clock
on Sunday or eleven o'clock on Sunday morning, no pharmacy.
And I'm like, well, when is it open up? I
thought it was like open up at noon or something.
Oh no, we're not open on Sunday. I'm like, are
you kidding me? Huh right? So this consumer price index
stuff or inflation stuff, I'm really not seeing it go

(52:35):
crazy yet. I'm not seeing, you know, And I don't
know if it'll happen fast or not. We've never had
this happen in probably our lifetimes for most adults.

Speaker 2 (52:45):
But keep spending, though, and we need to because we're
We're the machine. We are the machine. We are the
consumer that drives this beast.

Speaker 5 (52:54):
And that has to slow down, and it has to
slow down. We keep spending spinasye and we have to.

Speaker 2 (52:58):
We have to. We're the big We're the thing propping
up our GDP.

Speaker 5 (53:01):
Yeah we are, oh yeah, yeah. Something like seventy percent
of everything is based on.

Speaker 2 (53:08):
Um, Yeah, please do not stop spending.

Speaker 5 (53:11):
We need go to Vegas. I just go pay forty
dollars for the for the sandwich, go pay go, do
it right now.

Speaker 4 (53:17):
I was just listening to something where they were talking
about buy now, pay later. Oh yeah, like anytime you
go to check out, like on the internet, it's like, oh,
spread it up that like and I guess that's like
a segment that is it doesn't really get reported to,
you know, cause it's not it's I forget what whatever.

Speaker 2 (53:35):
The rule was.

Speaker 4 (53:36):
It's not like a banking thing or something, right, and
they said a lot of whatever gen Z is the
youngest one or whatever, like they'll buy pizza and pale
and you know, split it up over four payments. Yeah,
you know, and you're seeing like so it's yeah, they
just keep spending. Everybody just spends.

Speaker 2 (53:52):
So my first slap in the face with this was
last year where we go to Welcome to Rockville every
year Daytona, and it was the very first year because
they do layaway plans. You can give a dollar and
do a layaway plan, which is amazing, right, but it
was the very first time they offered a you can
attend the show and pay for it after like a

(54:14):
go get your ticket and we'll worry about you paying
it later. And then now those moments you're and this
is this is the biggest festival in the nation, so
they don't need extra. There's greed driving it, right, But
they're also like for those that want to go and can't,
let's make it so they can. Whether they can actually
afford it or not, we'll let them decide that. But

(54:36):
in that moment, I was like, wow, this is this
is kind of scary. And if this starts growing, this
is I mean, this could be the trend that might
ruin some really irresponsible You're just extending credit beyond a
credit and now pizza. I mean it's becoming more and
more prevalent and people are using it. And that's the
real scary having a credit card.

Speaker 5 (54:57):
Whether you whether you have it or not not right, right,
it's pretty crazy. Let's go ahead and take a break.
On the flip side, were with houses?

Speaker 2 (55:05):
I know, right, how have I move and I'll start
paying you in uh six months or so.

Speaker 5 (55:11):
What we're gonna do on the flip side, Remember that
old I shouldn't say old phrase. Remember when Wilters were
running around we even talked about it on this show.
It's like, you don't you marry the house, you date
the rate the rate. Okay, well, now there's backlash against that,
so I thought it was funny that we should bring
it out and talk about it there. It's been all

(55:33):
over the internet the last couple of days about the
people that bought into date the rate, date the rate,
marry the house. How much in trouble, financial trouble they
are now? Oh no, So we're going to talk about.

Speaker 2 (55:44):
That, all right, flip side, we got a lot more.

Speaker 5 (55:47):
And then we'll be done with that whole economic stuff.
Then we're going to slide into what happens if you
need to follow a claim on your house. This is
gonna be really good tips for anybody that ever gets
in trouble because it could save you a lot of
potential headaches in the future doing it the right way. Yeah,
and how you think it should work. Usually from what
I learned talking to Ross over the years, it doesn't

(56:08):
always work the way that you think logically it should work.

Speaker 2 (56:11):
So that's the thing. Logic would lead us to just
be like, oh, I can just pick up the phone.
Very important insight into an industry. I mean, very insight
into an industry and plenty of time to get into it.
You're always welcome to join us toll free eight seven
seven nine two seven six nine six nine. Of course,
from remember Florida Talkrealestate dot Com. You're one stop real

(56:34):
estate shop. No what, use it? Love and share it.
We're on Facebook and YouTube, that's Florida Talk real Estate
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Estate dot Com. I say, no, what, use it? Love
and share it because you can change the lives, including
your very own, with the prospros at Florida Talkrealestate dot Com.
We're back and for minutes. Thanks for being with us

(56:55):
every Saturday Florida Talk real Estate. Right here, it's Roll Radio.

Speaker 1 (57:13):
This is Florida Talk real Estate with Jim Depola and
Johnny c. Got a question for the show, Call us
live at one eight seven seven nine two seven sixty
nine sixty nine.

Speaker 2 (57:23):
Yeah you can do that. Eight seven seven nine two
seven six nine six nine toll free with a question
comment concern of the world of real estate. If you
want to dive into the conversation at hand, don't be shy.
Jimmithy will lign you up there. I'm pretty sure he will.
He's got somebody lined up.

Speaker 3 (57:37):
As a matter of fact, we do. We have somebody
lined up with a question about the topic we're going
to get into, so we're gonna be His timing couldn't
have been better.

Speaker 2 (57:45):
I love it. Timing is everything in life. I've heard
mine's terrible, but I've heard it's pretty important. Jimothy, he's amazing.
Johnny C. That's me. I'm pretty mediocre. But we have
other amazing people in the studio like Ross Kamara Dnats
with bright Wing Insurance, no beach, Ross, why are you?
I am doing well? Well? Good to say it always
a pleasure my friend. And of course Jimmy D's over

(58:06):
here as jim Depola. I've told you for thirteen plus
years now. He runs a top producing caller Williams Team,
the Florida Homebros. Team, Callowilliams Innovations.

Speaker 5 (58:14):
Jimmy d abe ay, good, I just found some more
show prep.

Speaker 2 (58:17):
Oh good.

Speaker 5 (58:20):
Calling you an now we're into the show's all right.

Speaker 2 (58:23):
I love when you're like, oh I found.

Speaker 5 (58:25):
Something today was like not a good thing for technology?

Speaker 2 (58:30):
You want to take this phone call?

Speaker 5 (58:31):
Yeah, please, that would be great.

Speaker 3 (58:33):
We have a Mike checking in with us.

Speaker 6 (58:34):
He had a couple questions about homeowners insurance, so we'll
get right into it.

Speaker 3 (58:38):
Mike, Welcome to Florida Talk real Estate.

Speaker 10 (58:42):
All right, am I on the air.

Speaker 2 (58:43):
You are, Mike?

Speaker 10 (58:44):
How are you excellent? How are you guys doing this morning?

Speaker 2 (58:48):
Really good thing?

Speaker 5 (58:49):
You're doing great, Mike? How is it up in New York?
Is everything going good up there?

Speaker 10 (58:54):
It's nice weather. The electric bill is almost doubled for
some reason. Not for some reason. This is a green
initiative passed by local Anyways, thankfully we have a lot
of most of our appliances are natural gas. But delivery
I've got that. It's funny. I've got the electric bill
right in front of me. I'm looking at it right now.

Speaker 2 (59:17):
So anyways, having electric bill double sounds. Yeah, that does
sound fun that sounds what's your electric No?

Speaker 10 (59:25):
No, So right now we've got like I said, we've
got everything's natural gas from all our appliances and everything
right now it's four forty six, wow, twenty six. That
what they're doing is upgrading the whole system up here.
They're not allowing natural gas appliances in twenty twenty six

(59:47):
in any new home builds, which is fantastic, right, so
you can use more electric and then they want she
wants everyone to have electric cars and such. Plug those
as well. I work with people that have seven eight
hundred dollars because their whole whole house is electric seven
eight hundred dollars bills. In the winter, you're heating with it,

(01:00:08):
which is extremely expensive. I didn't that wasn't the reason
for my call, but it's just too funny. I got
the National Grid bill in front of me, so that's good. Anyways,
that's a good topic.

Speaker 2 (01:00:24):
I'm sorry to hear that. Good luck.

Speaker 10 (01:00:29):
More pills for these bills.

Speaker 5 (01:00:32):
Well, when you get stressed, you just come down to Orlando,
right and you go to your second home in Orlando.
Much less for them, yeah, much less for your until
the bills there.

Speaker 10 (01:00:44):
All right, So we've got my question about insurance was
we did a new bill July. Jim knows the whole
story down in Florida, and our Homeowners Insurance had asked
me what is the breed of your dog? And the
first and second, first and second line question number one
was American pitbull tarrier pitbull, anything with pitbull in A

(01:01:08):
second line was Staffordshire Carrier. We've run a DNA test
on our dog. This was years ago. We ran a
DNA test on our dog and he's actually half American
pit Bull Terrier and half Staffordshire Carrier, which we're going
to notify our insurance company of. But my question is

(01:01:29):
do all companies down in Florida recognize breeds? My insurance
company up here does not. I can have any type
of dog that I want. Ours walks like a soldier
on the leash outside the house. But he's extremely protective
and does not like males, so he has to be
in the cage when we have company over most times.

Speaker 4 (01:01:51):
But so that was my question. Yeah, I mean all
the companies are going to have an excluded dog breed.
You know some companies will still in Florida, Yeah, they
all have it now. Some companies will still offer you coverage,
but they may just exclude liability.

Speaker 5 (01:02:14):
Okay, would it be all liability just liability for the
dog depends on the carrier, Okay.

Speaker 10 (01:02:20):
So and so put wood an umbrella policy cover that.
Like up here, I have an umbrella policy covers the house,
extra on the vehicles et cetera.

Speaker 4 (01:02:32):
So I would check with your umbrella company. But a
lot of the times, if some if something's excluded under
the liability of your homeowners insurance, then that would extend
to the liability the umbrella, meaning the umbrellas I think
they call it what's called like follow form something where

(01:02:52):
like if it's excluded, if it's not covered by your homeowners,
then your umbrella.

Speaker 2 (01:02:56):
Is not going to cover.

Speaker 10 (01:02:58):
Okay, And then my next question, I know you, I mean,
you're not searching dogs every day, but I didn't know,
like in New York State, it's first bite free. Basically
there's nothing you can do. And second one is you
can get I think you can have a lawsuit for
something of that nature. But I know that's what they
always say, like first bites for you people.

Speaker 4 (01:03:20):
I know people that have.

Speaker 10 (01:03:21):
Gotten bitten by dogs and there's basically nothing you can do.
I didn't know how that was in Florida. I definitely
need this dog covered. God forbid you got loose or something.
I'm not saying he's a terror, but so.

Speaker 4 (01:03:35):
There are there's also separate animal liability policies that you
can get. You know, I had a client who had
a couple of German shepherds, and we got him an
animal liability policy because we couldn't get it on him.

Speaker 5 (01:03:51):
German shepherds are on the list.

Speaker 4 (01:03:54):
Doberman's German Shepherds rob Silers.

Speaker 10 (01:03:58):
Yeah, that was not that wasn't in the line one
and two though, I don't think that was one of
the biggest. One was like pitbull mastiffs.

Speaker 4 (01:04:10):
Yeah, like for cook Per of course whatever.

Speaker 2 (01:04:13):
Yeah or so yeah, and I'm glad. I'm glad you
went there ros because that was gonna be My question
is like, okay, well if you if you can find
a policy right and they eliminate the dog or eliminate
the liability, is there options for these dog lovers? I mean,
you're not giving up your dog, right, remember the family?
Is there options for us? And are they Are they
at least competitive? I mean, is they gonna get Is

(01:04:36):
he gonna get crushed on that because of his breed?

Speaker 4 (01:04:38):
I mean I can't I can't remember the numbers offhand,
like what it was for the true German.

Speaker 2 (01:04:43):
You probably don't do it every day, No, not really,
but I mean it was.

Speaker 4 (01:04:49):
I mean, I don't think it was like two thousand
dollars or anything like that like per year, you know
what I mean, it wasn't sure like it wasn't. I
don't remember going whoa, whoa, that's brutal.

Speaker 2 (01:05:00):
Yeah, all right, of course everything can change, yeah right,
I mean.

Speaker 4 (01:05:04):
But yeah, but there is an excluded dog breed. And
you know, a lot you know a lot of times people,
you know, the insurance companies go out and they're like, oh, hey,
we noticed a pitbull in the backyard. What's going on?

Speaker 2 (01:05:15):
And on the liability portion, that's all about if somebody
gets injured on your property, if like that, that's what
liability is covering, right all somebody else having an altercation
on your property.

Speaker 4 (01:05:27):
Or with slipping fall cut themselves, fall.

Speaker 2 (01:05:32):
Out of your tree, whatever. Right, Interesting, it's pretty wild.

Speaker 4 (01:05:37):
Your dog bite, your dog bite somebody.

Speaker 2 (01:05:40):
Yes, yeah, of course.

Speaker 5 (01:05:45):
It's funny that Mike called about this because I was
reading about dog the list of the top ten favorite dogs.
You know, they come out with that every year, and
I haven't looked at it a while, and you know,
labs are always usually labs or Golden's usually at the
top of the lists, are closest to understand, and then
like it for a long time, American staff are terriers

(01:06:06):
were in that top ten list for a long time
because a lot of vets love those dogs. I remember
my dog. My vet said at the time, this is
like fifteen years ago. You ever get another dog, I
would do American Staffordshire. They're great dogs.

Speaker 2 (01:06:20):
They are a couple.

Speaker 5 (01:06:21):
Yeah, so there are. They can be great dogs, but
they're so they're so restricted by h a's condos insurance policies.
Now they're not even in the top ten anymore. Uh,
what I noticed, I thought that was surprising. True, I
was were like number one at one point, just recently.
And the Labradors, I know, I got that. I did

(01:06:42):
get bit by child as a kid. And they now
the labs are number one again because they combined the
yellow and the black labs together.

Speaker 2 (01:06:52):
Wasn't Dalmatians Both those dogs are jerks.

Speaker 5 (01:06:55):
Dalmatians can be very hyperactive, very anxiety.

Speaker 2 (01:07:00):
Driven, right and bity.

Speaker 5 (01:07:02):
It's like yeah, yeah, yeah, they could be very nippy
for sure.

Speaker 4 (01:07:06):
At one point in college, in our little tiny house,
we had a black Lab, a Great Dane and a Dalmatian.

Speaker 5 (01:07:16):
Uh.

Speaker 4 (01:07:17):
The Dalmatian was a puppy, so it was bananas and
but it was big like you. It was like a
year old, it was still just bananas, I mean crazy,
and then a big great dangers. I mean it was
like a nine hundred square Fimuse.

Speaker 5 (01:07:37):
Did they all get along? Did the dogs get along?

Speaker 2 (01:07:40):
Yeah?

Speaker 4 (01:07:40):
Yeah, created more chaos, but.

Speaker 5 (01:07:43):
Right of course, then they got to gang up together
and do crazy stuff together.

Speaker 4 (01:07:48):
And just playing and just it was just like a
just a ball of fur and just masks just rolling
around and slobberd Yeah.

Speaker 5 (01:07:56):
So how old your do dog? Mike? How old is it?
What's his name?

Speaker 10 (01:08:00):
So the dog is one year old or I'm sorry,
we adopted him when he was one year old. He's
a rescue so he had been abused. You know, from
what we can tell, he's eight years old.

Speaker 9 (01:08:12):
Now.

Speaker 10 (01:08:14):
They don't realize their age. Once they get activated and
they're on alert, age doesn't bother them, you know, they
forget about that. What's a good thing to tell your
listeners while I'm on the phone. I don't want to
keep you all day. But the Staffordshire Terrier and the
American Pitbull Terrier, we had to have a retired canine
trainer come over. He worked with the dog for a

(01:08:35):
half hour, worked with us for five hours, and he
said this is not a beginner dog. This is not
something you start out with. Especially it's not a puppy.
You know, we've already he's already a year old, et cetera.
But we've got him, like I said, we can get
him under control. But males. He does not like males.

(01:08:56):
But like I said, walk.

Speaker 9 (01:08:58):
Down the road.

Speaker 10 (01:08:59):
We've got him like a it's not a problem.

Speaker 2 (01:09:02):
Yeah, that's good training good.

Speaker 4 (01:09:03):
I mean, most of the time, a lot of these
incidents that happen are irresponsible dog owners. Seems like Mike's
a very responsible dog owner and recognizes you.

Speaker 10 (01:09:13):
Know what he has and your control over the right.

Speaker 2 (01:09:18):
The irresponsible dog owners have been the biggest detriment to
all those breeds. I mean, ultimately, that's that's.

Speaker 5 (01:09:25):
Really yeah, for sure. If you ever seen them in
the fight rings, the stuff he used to have to
cover that as a crime reporter, Oh my god, the
way that those dogs are treated and everything.

Speaker 2 (01:09:37):
Yeah, cry for hours. Yeah, it's just now.

Speaker 3 (01:09:41):
This may seem a little silly, but ross is there.

Speaker 6 (01:09:44):
If you put your dog and you have one of
those breeds, if you put them through any sort of
behavioral training, can that help with your insurance policy? Much
like going to driving school for a young child, you know,
person going to for auto insurance.

Speaker 2 (01:09:59):
I I.

Speaker 4 (01:10:02):
Have not heard of that, Okay, I don't know.

Speaker 3 (01:10:05):
It seems a little silly.

Speaker 2 (01:10:06):
I don't.

Speaker 4 (01:10:07):
I don't think so. I just my logical dealing with
insurance underwriters and companies that like.

Speaker 2 (01:10:17):
Doesn't feel like that would be a matter.

Speaker 6 (01:10:19):
Do they do that with with driving still? If you
you know, a student driver goes through a course, they
used to, I mean they it was while.

Speaker 4 (01:10:28):
I think I think some carriers still offer that, but
I mean it's like so even that dollar like like
I went through the AARP you know, whatever triple and
whatever driving school for seniors you know, and it's like awesome,
but it saved you had dollars.

Speaker 5 (01:10:48):
KA. It is a good thing that we're talking about
this because Mike's uh stepson, Mike Rout step son.

Speaker 2 (01:10:57):
The mortgage guy from the mortgrgage.

Speaker 5 (01:10:59):
Guy for the More, which is the reason why he's
not here right now. He's helping his steps I move
in into his new home. So I'm really excited for Alex. Congratulation,
first home, first time home buyer, young kiddies. I think
he's only like twenty three, twenty four years old by
the house. That awesome. Yes, I'm really excited for him. So,
but he was smart enough because of having Mike and

(01:11:21):
Tiffany as parents that he knows he's going to be
getting a dog that might not be might be a
restricted breed for certain communities, and he was moving into
a town home, so he even though he doesn't have
the dog yet, he was checking with the community to
see what dogs would be allowed before he bought the place.

(01:11:43):
He looked at one of our places that we sold recently,
and he didn't buy it because of the dog restrictions
is one of the reasons. So, Alicia, you have to
even though he doesn't have the dog yet, he knows
he's going to buy one of those restricted breeds. So
he's already proactively thinking, I don't want to create this
a problem from myself in the future, right, So he's
trying to find community that would be okay with awesome.

(01:12:04):
So well, Mike, thank you so much so that I'm
glad the weather's up there. You're gonna have a good
weekend up there, you got. I hope you're gonna take
advantage of the three day weekend.

Speaker 10 (01:12:14):
Yeah, definitely. Last word on the dog Pound per pounds.
You know, our dog's only seventy to eighty pounds. I
don't need that. We wanted home protection, but I don't
think we needed this level of protection. I'm not a
drug lord or something like that. Okay, now I'm gonna
have a great weekend. You guys have a great.

Speaker 2 (01:12:33):
Thank you flash. You'd be well too. And I found
that under I'd rather have that extra protection and not
need it than it needed, not have you know what
I'm saying. That's right, That's what I'm talking about. Who
else you got blinking over there on that phone line there, Jamath,
We got.

Speaker 6 (01:12:46):
About four months ago this person called in his name
is Sheldon, and we gave him some advice and.

Speaker 3 (01:12:51):
It worked in his favor, and he wanted to, uh
wants to thank us, and then, you know, give the
story on what happened. Sheldon. Welcome to Florida, talk real
estate and what's up?

Speaker 2 (01:13:01):
Hey?

Speaker 9 (01:13:02):
Yes, hello, I just I called. I wanted to thank you.
A few months ago, I was actually given an eviction
notice from my community, and I was having a great
deal of problem trying to get some legal aid and
so on. And you had spoke to me and mentioned
Charles Simon, I'll just give back.

Speaker 5 (01:13:22):
Yes, So how did that go?

Speaker 9 (01:13:25):
Yeah, that's what I'm saying. It worked out terrifically in
the long run. I'm calling from my house, which Charles
and I had gotten together. He had me write up
some history of what was going on and so on,
and then he put together a letter and sent that
out and so forth, and the i'll call it the

(01:13:45):
other side, they backed down almost completely. I had to
pay a small fee, they said, for their time and
effort or whatever, but they backed down completely. And I'm
still here, happy to be here. And as I said,
it was a large part. I was really up against
it at the time. But when you gave me his

(01:14:07):
name and contact and so on, it went from there.
It took, you know, a few months and back and
forth whatever, but everything has turned out in my favor.
And I really have just said I listened every now
and then to the broadcast and on it it said
any real estate related issues and so on. So I
gave you a call and it really worked out in

(01:14:30):
my favor. So I just wanted to say thank you,
and you had did say, you know, get back. Let
you know how things worked out. And sometimes you need
the legal help. They wouldn't even talk to me the
other side. They said a lawyer only, as I said,
he everything he needed to do. And I'm here. And

(01:14:52):
that manager who was giving me so much problems and
so on, she's gone. I'm not saying it was related
to this. I don't know, but but she left the
company a few weeks ago.

Speaker 2 (01:15:04):
Good.

Speaker 9 (01:15:04):
So I'm here and she's not and happy to be
in my house.

Speaker 2 (01:15:11):
So the witch is dead. Yeah, yeah, you know.

Speaker 9 (01:15:19):
I won't go into all the details and all. I
thought it was all somewhat frivolous, but it was legal.
They had their lawyers and they gave me they were
gonna vict me on June twentieth date. And yeah, and
as I said, everything fortunately has turned out really good. Well,
get back you guys and your listeners and sort of

(01:15:40):
let you know. If it's related to real estate, you
guys can be of a big, big help.

Speaker 2 (01:15:44):
Oh, no doubt about it. Well, thank you for the update,
and thanks for tuning in when you can. The updates
always appreciated. I'm really glad you got good advice, got
good leadership, and again glad that Jim's got the resources
that we do with the Florida Talk real Estate team.
Have a great rest of your weekend, and thanks so
much for the update on that. That's very cool.

Speaker 9 (01:16:05):
Thank you very much again, You've really helped me out tremendously.

Speaker 2 (01:16:09):
Aust thank uh number it does yes, you dial in
eight seven seven nine two seven six nine six nine.
And I always tell you that when they need a professional,
a pros pro, anything that's touching the world of real estate,
I got them for you Floridatalkrealestate dot com. Now, in
Sheldon's case, he actually got referred to a non member

(01:16:30):
of the Florida Talk real Estate team. But this team
is about making sure you get done what you need
done right by you and your people. Jim didn't make
any money on this situation. There's no referral. This is
Jim cared about the outcome for Sheldon and got them
where he needed to go. And look, these guys are
all in business. This is how they make their living.

(01:16:51):
But it is about getting you the results you needed.
Not every situation is about making money. It's about doing
right by the community, the people, and that's the Florida
Talk real Estate way. That's why we've been doing this
for well thirteen plus years now. On the radio. It's
supporting the audience, you guys referring out because of the
expertise you get, because you get advice that's so very

(01:17:12):
very needed in circumstances, and you're not getting charged for
just getting some leadership, some idea and understanding it where
you need to be. Florida Talkrealestate dot com. Now what
use it, leve it, share it. It's Florida Talkrealestate dot Com.

Speaker 5 (01:17:25):
What an unexpected surprise that made my day today. I
was a little down in the dumps today, so thank you, Sheldon.
That really helped out a lot. And we are the
resource for people. So if you need stuff, you just
give us a call and if we can help you,
we're gonna help you. And if we don't know how
to help you, we're gonna try to find the people
that can. And we don't charge anything. The only time

(01:17:48):
that you're gonna pay anybody that you call from the
show is if you hire them to do a service
for you. If not, we just try to be a
valuable resource to find out what your options are. So
thank you so much, and Sheldon like again, you made
my day today. Super cool, Yeah, very cool. The funny
part is that Charles Simon. I've referred to him to
so many people. He has no idea who I am,

(01:18:09):
so I know, it's so funny. I met him.

Speaker 2 (01:18:13):
Wow.

Speaker 5 (01:18:14):
I probably met him in like two thousand and three,
two thousand and five when I was full time investor,
and he used to speak about it being a a
landlord and victor right, so like he's like, hey, if
you're a landlord, you need somebody victored to harm me,
and I'll take care of it for you. And then
he showed us all the ways that landlords don't file

(01:18:39):
the eviction process properly. And then part of his job
is to go through those files at the courthouse and
if he doesn't like what he sees it but doesn't
file correctly, he calls up the tenants be like, I
get this thrown out for him. And he said, hey,
would you like to live in the house. I'm not
saying this is exactly what he says, but hey, would
you like to live in the house for free for
another six months?

Speaker 4 (01:18:59):
Right?

Speaker 5 (01:19:00):
Just hire me and I'll make sure that they can't
evict you right away, because they did not because he's
doing anything illegal. It's because the landlord didn't follow the
right process.

Speaker 2 (01:19:08):
Yeah, the problem, it doesn't matter what it is. If
they're not dotting their eyes and crossing their teas, there's
an angle to get it thrown out. And that's that's
that's how so much is done. Ah, they screwed that up.
You want to fix some for you? I can do that.

Speaker 5 (01:19:22):
And then he's been doing this for so long, right,
I didn't even know if he was retired when he
sent the Sheldon. He's been around a long time. But
he's been around so long that after a while, the
landlord started waking up and saying, who the heck is
this guy that's screwed up all her evictions? And then
they started hiring them all. Right, then the Landlord's like, hey,
why don't you do my eviction stories? So I do

(01:19:43):
it right the first time.

Speaker 4 (01:19:44):
That's funny.

Speaker 5 (01:19:45):
So yeah, so anyway, it's funny. I've I think I've
referred six or seven people to him this year alone,
and he has I go tell him. The radio show
guy calls, but he's not gonna know me at all.
Just just calm up and say, here, you're the landlord
eviction guy. So it's kind of funny. I wanted to
let's go ahead. We're not going to do the ten thirty. Okay,

(01:20:06):
We're just going to plow through so ross. My question
is I give you this example over the phone yesterday,
But I'm just trying to reiterate many things that you've
talked about over the years about when to file a claim,
what you need to know about filing acclaim, things like that.
So let's say that there's a storm and I got

(01:20:28):
a thirty foot tall oak tree in my backyard and
then it crashes and it lands on my roof, right
because of a bad storm. This actually happened in real
life with one of our customers recently. And it crashes
onto the roof, right, And let's say that there's some damage,
but it isn't like, you know, it went through the

(01:20:49):
sheathing and there's an open hole in the ceiling or something.
It's more like damaged tiles, things like that, Right, And
then the tree, of course that went down itself. How
do you decide if you should file a claim, who
you should call first? That kind of stuff. When you

(01:21:09):
have an issue like that, like you you come home
and you find your water heater flooded out, flooded out
part of the house or something. How do you know
first of all, who you should call and what and
whether you should call or not. Because that's one of
the things I'm trying to teach here is sometimes you
might not want to make the call that you think
you want to make.

Speaker 4 (01:21:30):
So I think what we're trying to figure out is
we got to assess the damage right just because there's
some you know, like a catastrophic event like a hot
water heater exploding or something like that. While it is
catastrophic and water is everywhere, it may just need to
be dried up and there's no reason to call the
insurance company and say, hey, I have a water claim

(01:21:53):
and then they come out and they're like, well, there's
no damage. It was just dried up. So now you've
got to claim on your record. So when you have
a situation, you know, if the tree fell down and
just grazed your house, you know which is and it's
just maybe some tiles or something. I think the most
important thing is just to get the damage assessed by

(01:22:14):
a professional to figure out how what we're looking at, because, yeah,
the hot water heater exploded, you know, that's not going
to be covered under the insurance, like the actual machine
itself right, because it just popped, you know, it's not
like something caused damage to it. It just popped. Now
the water would be covered. But you may just need

(01:22:37):
to call you know, like a restoration dry out company
and they can come out and stuck all the water out,
put the fans in, you know, the dehumidifiers and suck
it all out and now it's everything's fine. And then
you you spent you know to twelve hundred fifteen hundred bucks.

Speaker 5 (01:22:55):
And and that's the important point. I think a lot
of people don't know what they're deduct the bulls aar.
I mean, when I own my house, I don't know
what my desert or what was. I would have called
up Ross and said, hey, what's my deductible if I
had a claim? Right, But that's an important consideration, right
because if your deductible's pretty high and the damage you

(01:23:17):
have to your house is not going to be more
than the deductible or.

Speaker 4 (01:23:21):
Even it's just minimum. You know, Let's say your deductible's
twenty five hundred and it's three thousand in damage.

Speaker 5 (01:23:27):
Right, right, So is there a value? What is the
risk of making that call and file the claim? And
what you're looking at is a five hundred dollars from
the insurance company, right, because you have to pay the
twenty five hundred upfront is the deductible. So all you're
doing is going to insurance company say, hey, I want

(01:23:48):
an extra five hundred dollars from you. But there's now
you have a history that you filed a claim, right,
and could that raise your insurance later in your future.

Speaker 4 (01:23:58):
We'll go up next year for sure. Sure it'll be
like a ten percent searcharge something around there.

Speaker 2 (01:24:03):
You can get potentially non renewed for that very reason.

Speaker 4 (01:24:06):
Potentially, I mean potentially, you know. It's more like, hey,
if let's say you did that and then you had
a real what you know, you had a real one
that now paid out ten grand. Now you've got like
two water damage claims that are within the last three years,
and there's probably gonna be a good chance of non renewal.

Speaker 2 (01:24:24):
Right, And if you get non renewed, what does that
do to the pool of options for you at that point?

Speaker 4 (01:24:30):
It's not so much the non renewal, it's the two
claims that that are now dragging you.

Speaker 5 (01:24:36):
You know, you're dragging It's almost like a history if
you had car crashes, right, and you had you had
a bad driving record, You're you're almost like the same thing.
You're a higher risk now, right, Yeah.

Speaker 4 (01:24:47):
But at least with car insurance, like you'll just have
to pay a whole lot more. But most everybody's still
going to offer you. There might be a couple of
companies that are like, no, they've kind of crashed too much.
There's no way we're offering coverage. But there's going to
be a company out there that's going to give you
the same regular covery. They're not going to exclude collision.
You know, they're not going to exclude you getting into
an accident with somebody.

Speaker 2 (01:25:08):
You're just gonna pay for it.

Speaker 4 (01:25:09):
You're just going to pay for it. But with homeowners
it's different. They're either going to say, hey, I've got
companies that if you filed one, you know, non hurricane claim,
if you find filed one claim in the last even
if it was zero dollars paid out like in this situation,
one claim in the last five years, they're not going

(01:25:29):
to think about offering a cover.

Speaker 5 (01:25:31):
So let's talk about a flap.

Speaker 2 (01:25:33):
So that's that, and I'm sorry. That means literally just
picking up your phone and letting your insurance company, know
what's going on, starting to claim even if you're not
getting any money. That's what I was saying, that you
are boom all that company in.

Speaker 4 (01:25:45):
Particular, call your agent first and find and say hey,
call your agent and say hey, this is what's going on,
and hopefully they'll give you some advice like, okay, hey,
did have you had anybody come out and look at it?
But the most important thing is I would get somebody
other than the insurance company to come out and look
at it.

Speaker 2 (01:26:03):
Here's a good real world. I had a car drive
into my house, smash my whole fence, about that, take
out my whole like my backside of my fence, almost
put their car in my pool, circle back around, and
then slam into the corner of my house. And I
got on the phone with Ross. My wife was hysterical,

(01:26:24):
right and I get home, I see this and I'm like,
oh my, what the bleep? I got a phone with
Ross and he's like, dude, he's like, you gotta you know,
get someone out says this damage. He's like, don't don't
call your insurance company first and foremost exactly what he
just laid out, Get the detail and this is.

Speaker 5 (01:26:42):
Where a guy had a car hit his house. Yeah,
and you don't just leave there's.

Speaker 2 (01:26:49):
A car in the No, No, there is a process here.
And that doesn't mean you're not going to get your
insurance involved. That's not at all. What are you're saying,
he says, But there is. He's just laid out there
is a process. You take the first step. First, do
your assessment, get real people out there that you can
understanding of what it's going to cost. And then you

(01:27:09):
laid it out to like and then and then you
see where you're at.

Speaker 4 (01:27:13):
And we did call my insurance company because the guy's
auto insurance paid for it, right, yep.

Speaker 5 (01:27:20):
And that's another thing, right, because somebody else might take
care of it.

Speaker 4 (01:27:23):
He's got prot because when you're driving around in your car,
one of the limits is property damage liability. So if
you crash your car into somebody else's property, there is
coverage to pay for that damage.

Speaker 2 (01:27:35):
So that and Ross laid that all out for me. Now,
it was a long process. It was well over a year.
Thankfully we had some resource to thank you, mom, to
be able to take care of the needed fixes and
then get reimbursed later. But there was a bunch of
people involved in this claim, which meant for a long process.
But and I get how not everybody might not have

(01:27:56):
that luxury. And if you don't have that luxury, maybe
you are kind of stuck calling your insurance company. And
that's only going to be a detriment to you, I understand.

Speaker 4 (01:28:05):
And I mean, you're the insurance company, depending on the
extent of the damage, would subrogate, you know, it depends
on how much it would cost their attorneys to go
and suprogate and see that guy's auto insurance company to
get the money that you would have already gotten, right, right,
But you now have a claim on your record. It's
a show subrogation, and it might that might you know,

(01:28:28):
the other some carriers might be cool with that, like, hey,
it really wasn't his fault and kind of let you
off the hook on that claim. Some carriers, some carriers,
but you know you kind of you you did it
to where you didn't get it involved and now it's
you know, not on you next time you go to
get a policy. It's not going to show you.

Speaker 5 (01:28:49):
I have a question about that, though. So if if
a different insurance company took care of Johnny's house, you know,
the driver's insurance company took care of Johnny's house. Does
that still show somehow show on Johnny's record that his
house had an insurance claim on it.

Speaker 2 (01:29:08):
Because we we we took care of it on our
own and then got to check a year later.

Speaker 5 (01:29:12):
From the insurance company. Right, But that's that doesn't attach
to the house.

Speaker 4 (01:29:18):
No, it'll only it'll only show up in that driver's
like claim that as part of the total damage that
was paid out of claim. But it wouldn't do anything
with Johnny's house.

Speaker 5 (01:29:29):
So these are the takeaways that I really think are
important here. Number one, don't just pick up your phone
if you have damage to your house. Don't just reflexibly
pick up your focus. That's what people normally think to do.
And your house is burned down, Oh yeah, yeah, yeah yeah.

Speaker 2 (01:29:46):
Maybe he's probably gonna tell you to call it.

Speaker 4 (01:29:51):
But like, you know, like you come home and everything
looks catastrophic and it's super stressful. Oh my gosh, my
house is underwater, or you know, there's a tree in
my front yard or whatever it is. It looks scary
and it's and it you think it's the end of
the world. I mean, this is your biggest investment. This
is your home, this is where you live, this is
where your family live.

Speaker 2 (01:30:09):
What am I going to do?

Speaker 9 (01:30:10):
Right?

Speaker 4 (01:30:11):
You know that it's ruined, you know, but it may
not be you know, right, so just behave it's dry
it out, no big deal, you know.

Speaker 5 (01:30:20):
So bring out. So that's my other So just for
the tips though. First thing, don't just pick up the
phone and call your insurance company, because that might not
be a good thing. Call your agent first.

Speaker 2 (01:30:29):
What's your I think people often think like I have
a timeline here if I don't let them know.

Speaker 5 (01:30:34):
Well, I was getting to that. Yeah, I'm sorry. I
was going to get to that. I wanted to get
that to the next thing. So before I get there,
So you got to call. You got to call your
agent or call contractors or whatever you need to figure
out what the damage is. Right. But that's what I
was going to ask about with Johnny. How long what happens?
If it takes you like ten days to get contractors

(01:30:55):
out there to give you quotes and stuff to know
what's going on, can they say, hey, you didn't file
the claim for ten days, so I'm not trouble.

Speaker 4 (01:31:04):
I don't know the exact dates that you have to
file a claim by But it's not going to be
ten days. It's not gonna be something like that, right,
you know, if you're you know, I would imagine that
if you had, you know, in like a water claim
type of thing, like you come home, your house is flooded.
You're not waiting ten days, right, So you're getting somebody

(01:31:27):
out and you should have no problem getting somebody out
there that same day or even you know, first thing
the next morning. So but I don't think it's going
to be something even I it's like, Okay, you had
those people out and dried it out and everything was good,
and then maybe later you found some more and you're like,
oh crap, now you know it is a lot more.
It's fifteen grand and damage that we found after the fact.

(01:31:50):
You know, as long as you've documented everything, you know,
you could go back to the insurance company and hey,
this is what happened.

Speaker 2 (01:31:59):
Yeah. Yeah, when you say document, what do we are
we talking about?

Speaker 5 (01:32:02):
Yeah?

Speaker 4 (01:32:03):
I mean so most of the restoration companies will actually
take all the picture take the pictures for you, you know,
before or after once everything's dry. But yeah, you definitely
want to, you know, make sure that you can show
what that damage was, what it was from, and you know,
be able to show that to your insurance company so
that they can determine whether it's covered or or not.

Speaker 2 (01:32:25):
Yeah, that's a gosh. I know the feeling because I've again,
I've seen my house with the car shoved into it
and my fence all blowed up. But if if pipes
burst or the water heater and the house is flooded,
I I don't I mean, I'm glad I have a
resource like you to be able to pick up the phone,
but I don't know if I if I would instinctively

(01:32:47):
be like, okay, don't don't call my insurance company, Like
that feels like an instinctive move. I think this is
a very valuable conversation because you always it doesn't matter
what situation. If you can step back, take a breath
and think for a second instead of impulsively reacting, it's
always going to be a much better outcome. And in
this one in particular, Man, the repercussions that follow you

(01:33:09):
if you play, if you pick up the phone and
let your insurance company know what you're doing, even if
they don't give you money, the repercussions that can follow
you are pretty substantial. Could be.

Speaker 4 (01:33:20):
Yeah, I mean, you know, prior claims are a big
deal because there's a you know, a ton of times
where you get to the end and you go to
you know, finalize the policy. And that's kind of when
they run what they call a claims report, and you'll
go to somebody and say, hey, do you remember following
the claim in December, you know, like you know twenty three.

Speaker 2 (01:33:40):
No, well it was it.

Speaker 4 (01:33:42):
You know, it was related around something maybe like you know,
water or something that. Oh, yeah, you know, we had
a leak and then we call it. They didn't even
pay anything out and I'm like, well, sorry, seems so weird.

Speaker 5 (01:33:56):
It does seem weird. That's why I wanted to bring
it up this week. Again. We've talked about this in
the past, but it's super valued for people that are
in the jam. And you never think about this stuff
until you're in the jam, right, so you don't even
think about, like, what would happen if this happened, and
how should I handle it properly? So don't do a
knee jerk reaction. You got to have a top agent

(01:34:16):
like Ross, right, because Ross is a great resource. If
you're working with Ross, with your policies. Very easy to
calm up and get this great advice right. And hopefully
you have an agent that you know and trust you
know with your policy if you don't have Ross and
that they can give you the information like Ross has
given you now, because a lot of them, they just
fill out the policy for you and they take their

(01:34:38):
commission and you never hear from them again until the
next year when it gets renewed.

Speaker 2 (01:34:43):
Right.

Speaker 5 (01:34:43):
And that's nice when most I'm sure most of the
people are like that for you too, Ross and away
because they don't need you, so they don't call you
except to pay the bill. But it's nice to know
that have the resource.

Speaker 2 (01:34:54):
There when you need it and trusted resources, and.

Speaker 5 (01:34:58):
Ross is really really good at that stuff. Are there
any other tips you think about following claims or stuff
that we didn't mention.

Speaker 4 (01:35:05):
I mean, if it's a hurricane claim and you know,
let's say you know you've got four hundred thousand dollars
in dwelling coverage and your hurricane deductibles two percent, that
means your hurricane deductible is eight thousand dollars. Right, even
if you a storm comes through and you know whatever
rips off a bunch of tiles and it's only like

(01:35:26):
four grand. That's well below your deductible. A file the
claim because your hurricane deductible is actually a calendar. You're deductible.

Speaker 2 (01:35:35):
It's cumulative. Yeah. Oh so if you.

Speaker 4 (01:35:39):
File, if it's fourth out, if you know, whatever, now
you've got four thousand towards the deductible.

Speaker 5 (01:35:45):
Oh, it's kind of like when we went through remember three,
where we had all those hurricanes come across all at
one time. I think was so three might have been
oh four, and we had like three hurricanes come across
at one time.

Speaker 3 (01:35:56):
Francis and Jane.

Speaker 5 (01:35:57):
Francis and Jane, that's right.

Speaker 4 (01:35:59):
And so yeah, like if you have damage in the
first one, right, and it's you know, ten grand and
your deductibles eight, file it. Get that two grand because
if you have damage on the next one, that one's free.

Speaker 2 (01:36:11):
So but is there still that like negative kind of
aspect to it. Yes, there's a win.

Speaker 4 (01:36:16):
No, because it's like kind of considered like an act
of God.

Speaker 5 (01:36:19):
Oh so wind claims are hurricane claims are not really
handled the same way as for the future future determining
your value your time. Yeah, Oh that's good. I didn't
know that I thought that was now they might.

Speaker 4 (01:36:33):
Now there might be like a little like a little,
you know, little thing on the premium for it, but
it's not something where it's like substantial. Hey, we're not
going to offer you most of the time where it's
it's will still offer you coverage at the competitive rate,
but it might just be a little bit more.

Speaker 2 (01:36:49):
It's not gonna I'm glad to hear the deductible worst
the way it should, because that's it should be a year, right,
like like your medical like you're anything else where you
got a deductible, it's going to be accumulative through the
year once you hit that deductible everything, and then you're
full of insurance kicks in. Glad to hear it works
out that way, and glad to hear that we shouldn't
hesitate when it comes.

Speaker 4 (01:37:09):
To a hurricane.

Speaker 5 (01:37:10):
Yeah, I just have a point here that I have
to bring up. So from the insurance company's point of view,
a hurricane is an act of God, so they don't
really ding you for having that problem. But if somebody
drives their car through your house, that's not an act
of God. Or the tree phone down, that's not an

(01:37:31):
act of God. Too, Like, that's not anybody's fault, right,
it's not our fault, the same as a hurricane.

Speaker 4 (01:37:36):
You know.

Speaker 5 (01:37:37):
It's like, hey, ship, so company, I'm sorry, you're sorry.
Sorry about that guy. I can't believe I was that.
I didn't. I didn't actually say I didn't say the
I part of it. I only said the s H.

Speaker 4 (01:37:55):
So as an agent, if you're if I have a
bunch of policies with this one particular company, and all
those policies follow a bunch of claims, that company can
well say, wait, we don't like the business you're writing,
so we're gonna terminate your appointment, right because hey, every

(01:38:16):
policy you write comes with claims we don't we don't
want that, so we're not gonna let you write business
with us anymore. I had a company that who's I
had a house that got hit by a car twice.
Oh jeez, I've had the same company. I had another
client who had the person above him had a leak

(01:38:40):
twice and cause damage to his to his place. And
they terminated my appointment because of claims because of those
two clients, because they had those two crazy multiple claims.

Speaker 2 (01:38:54):
Wow, wow, do they go the opposite too? Like you
have a bunch of people to never make claims and
they call you up and be like.

Speaker 4 (01:39:00):
Hey, it's one thing that like, you know, the carrier
reps come around, you know, every once in a while,
and you know, hey, what's going on. Here's what's going
on with us, But they always kind of give you
a rundown and like one of the first things it's
like how you are claims wise?

Speaker 2 (01:39:15):
Interesting?

Speaker 5 (01:39:16):
Yeah, that is kind of interesting. It's kind of like,
you know, with Mike, I didn't know this. With mortgage brokers,
you have obligation to make sure that the person you're
giving a loan to makes their payments on time because
you're vetting them. So if you have too many people
that get loans and then they default too quickly, you

(01:39:38):
can get in trouble. Really, yes, Mike can get in trouble.

Speaker 4 (01:39:42):
And he loses if they default.

Speaker 5 (01:39:43):
They he loses, yes, and his commissions go back if
it if it defaults too early, they're like, give us
our commissions back. But if it happens too many times,
it actually hurts his license.

Speaker 3 (01:39:56):
I can only see that because he's the one that's
personally working with that.

Speaker 5 (01:40:00):
So yeah, he has to find out the financials and
all that.

Speaker 4 (01:40:04):
You know what you're doing, dude.

Speaker 2 (01:40:05):
But but but he's determining if they can afford it,
if it does fit into their budget. He's not determining
whether they're going to pay. And you look at the
credit that credit score tells you how he's right. But
then they could just make the disc's. Yeah, and I
think it's just as weird as Rossman punished if too

(01:40:26):
many clients many. Yeah, it just it feels it's just
just off.

Speaker 5 (01:40:31):
It does feel it feels really off.

Speaker 2 (01:40:34):
You can't and it's almost like they're assuming your pool
of clients hell is going it's a higher risk for
some reason, and it's I don't know that's it just
feels it feels so off in so many ways.

Speaker 5 (01:40:47):
So so let's let's talk about h o as for
a second. Okay, well we got we've got time. Will
switch over. So there's a legislator named Juan Carlos Pors
state legend Slater out of Miami, and he about he's
had a thing about h This is not a bad thing,
by the way, Okay, I'm not and I'm not getting

(01:41:09):
into politics. It just happens to be a legislator and
we're talking about bills, right.

Speaker 4 (01:41:13):
I don't think anybody likes in h Yeah.

Speaker 5 (01:41:15):
Well, well the thing is either except for.

Speaker 4 (01:41:17):
The people and the president, except for the president.

Speaker 5 (01:41:19):
Yah, the president, right, PoCA doub stuff. So so the
thing is is that I know, right read. So the
thing is is that with I'm sorry, hold on here,
oh this guy want Carlos Porus has been working on
each away stuff for like four or five three Well

(01:41:42):
he's only been elected since twenty twenty two, but since
twenty twenty two he's put all these bills together to
deal with huays. So he finally got one passed. He
put out a couple of bills they didn't get through,
but he did get one that passed. That's called the
homeowners Association's Bill of Rights or the Homeowner's Bill of

(01:42:02):
Rights for Homeowners' Associations, and it basically and I think
these this legislation was smart and the fact that it
trained the HA board. They had higher qualifications for training
for the HA board, which I really feels needed. Right
also to make sure that they understood their finances were
more transparent to everybody in the community, and that the

(01:42:25):
meetings were more transparent because a lot of times the
board would set meetings and none of the residents knew
what was going on or anything. So now they have
a bigger obligation to make sure that everybody knows that
the meetings were happening so they could be there if
they want to tend. So but he didn't get everything
past that he wanted over the years, so now he's
got a wild hair now where he says, I think

(01:42:47):
we should just shut down all hoas, And he's saying,
we live in a free state. You know, he's really
he's really going to free state or thing. We live
in a free state. Nobody should tell me what to
do with my house. And I was reading and I
was like, well, that sounds good conceptually. But hays have
been around for a very long time because people want

(01:43:07):
them right, nobody's holding a gun to your head and
saying you've got to move into an HA. People move
in h way because they want to move in H way.
One of the first things that buyers do when they
talk to a real estate agent, what's one of the
first things that they tell you, other than what size
house they want? HA or not? Each way, I don't
want to live in an hay or you know I

(01:43:28):
wanted some people want the HA Why they don't want
to have a geloppe, you know, a piece of junk
car on cinder blocks parked in their next door neighbor's yard,
or have a blue roof over blue tarp over the
roof for two years because.

Speaker 2 (01:43:43):
They don't want to put the roof on, or three
feet of grass or.

Speaker 5 (01:43:46):
Three feet of grass really high right everywhere. Right, So
they want to have a pool, but they don't want
to have a pool in their backyard. They rather have
a community pool, so they don't have the upkeep for
the pool, right, Like all that kind of stuf stuff. Sure,
so there's a whole bunch of reasons why hua's are
out there. I totally understand the concept that there's been

(01:44:08):
a lot of abuse with ha's over the year because
they haven't been regulated enough, But to dump Hay's seems
like a really ridiculous kind of out there concept.

Speaker 2 (01:44:18):
Well, when you talk about regulation, though, you make some
people cringe, you know what I mean, especially if you're
coming from a free state perspective.

Speaker 5 (01:44:25):
So what I did was is I looked the guy
up right now. I didn't do a full background search, Okay,
because I did it last night at ten o'clock at night,
and I think, oh, I wonder if this guy listened
in HA. So I did a super fast search with
the Moammy Dada property praiser with the guy's name. Okay,
there were five of them that were There were five
properties that either had a version of his name, maybe

(01:44:52):
not the middle initial or something. So I'm not sure
which of these five is his property. But three of
them I could block out right away, and there were
only two left and the two one of them was
a condo, so that would be a condo association definitely,
and the other one was in an HOA community. So
I'm pretty sure this guy lives either in a condo
or an HA community. And I bet you if you

(01:45:13):
go in there, you're gonna find that he's mad about something.
He's mad about something with the has, I'm guessing. I
think that his heart is in the right place about
trying to make sure that these things are more under control.
I feel like it's been the wild wild West for
HOA boards, right, and.

Speaker 4 (01:45:31):
I hear a lot of complaints about not so much HA.
It's the property managers that the HOA.

Speaker 5 (01:45:37):
They're the worst higher, they're the worst or the.

Speaker 4 (01:45:39):
Worst, Like they're almost like mercenaries that are out there
like yelling at people, and it's like, dude, we live here,
didn't you can't.

Speaker 5 (01:45:46):
Let me Let me tell you about these these condo
boards and hoas that hire these bad property management companies,
And there's so many bad ones out there, so many
bad ones. They just don't give a rats, you know
what about property values, what's good for the community or not.
It's all about the rules. And a lot of them

(01:46:09):
won't give you documents that are really required for the
seller to give to the buyer, and they just go,
it's too bad, we're not giving them to you. And
property managers are the worst. I can name some of
them that I really really hate to deal with, but
I'm not gonna do that right now. But the bottom
line is is the HOA thing, just like property taxes.

(01:46:30):
I don't believe they're going to go away if they
try to kill the hoa's, Like, can you mention if
they shut down hoa's that already existing, who's going to
take care of the clubhouse, Who's going to pay for
the pool? What about the private roads that are not
private anymore? Because now who's going to take care of
those roads.

Speaker 2 (01:46:45):
Who's gonna come in and say they have a deciding
factor that you can't have an HOA Like, I don't
understand how that's even plas.

Speaker 5 (01:46:53):
Yeah, I don't even like. Can you imagine if the
legislature just say we don't care about your HA and
your cho rules and all the covenants that you sign
when you can moved here, it's all going away or
wiping it out. Yeah, it just doesn't make any sense.

Speaker 2 (01:47:04):
It seems unattainable.

Speaker 5 (01:47:05):
Now, maybe they can create a law that says no
more h ways are allowed in the in the state.
It can be created, it can be created moving forward.
That could happen. I don't think that would be smart
because there are a lot of people that like living
in nature ways. Of course, right, there's benefit, there's pros
and cons, and it just depends on your personal situation.

Speaker 4 (01:47:24):
But even in like regular neighborhoods that you would drive
through just commuting somewhere, you don't think there's an h away,
but there is, there could be. There's you know, there
might be something where in that particular neighborhood you can
only put on a tile roof, even though those houses
are built in the seventies and there's no gate, there's
no specific thing or you know, little things like that

(01:47:47):
that people don't realize.

Speaker 2 (01:47:48):
Well, even if you're not an age, code enforcement's going
to come through. Right, code enforcement exists. Even if you
don't have an HOA. I got the village of Royal Palm.
They'll come leave notices on my door for all kinds
of things. If I don't have upkeep on my property.

Speaker 3 (01:48:02):
Right, grass is too high, get a notice from the town.

Speaker 2 (01:48:04):
You need to powerwash your driveway. You need I mean,
there's the list goes on. I can see your your
garbage can on the side of your house, Like I
don't live in h o A. But code code can
come through and do that, Yes they can.

Speaker 5 (01:48:18):
Yeah, And some of the benefits of each away. If
you have a neighbor that you don't get along with,
it's actually is that work can work as a buff
buffer for you. Right where if you've got a crazy
person living next door to you can complain of h way,
if they're violating rules, let the HUA deal with it.
You don't have to fight with your neighbor, you know
what I mean. True, So, so anyway, I just thought

(01:48:38):
it was funny that they're thinking about down in Hays
along with property taxes. Can imagine that they got rid
of Itchway's and property taxes in Florida. I mean, I
don't know who's going to pay for what, because somebody's
got to pay for all that.

Speaker 2 (01:48:51):
Both feel like complete nonsense, a waste of everybody's time
and just like some some pipe dream stuff. You know
both both.

Speaker 4 (01:49:00):
Do you think about the property taxes?

Speaker 5 (01:49:01):
Okay, okay, we don't need no stinker property taxes.

Speaker 2 (01:49:07):
I think, yeah, let's do it with all u income
tax too, Like, let's let's wipe it all out. I
think everybody's on board.

Speaker 4 (01:49:12):
Let's go. You know, oh, I own my home, I
own it. But I mean that money's got to come
from somewhere else to pay for the stuff that you
use along with everybody else. It does, for sure, it does.

Speaker 2 (01:49:22):
You hear that music That means that we are officially
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(01:49:43):
their field and you get them all at Florida Talk
real Estate dot Com. Like Rice Comman, It's ross is
always a pleasure to have you in Bright Wind Insurance,
Juno Beach represented phenomenally. Have a great Labor Day weekend.

Speaker 4 (01:49:54):
Thank you. I hope you do too, Go Toles.

Speaker 2 (01:49:57):
Jimmy D's over here with the Florida Home Pros team.
Thanks for all that you do, my friend. Have a
fantastic long holiday weekend.

Speaker 5 (01:50:03):
Thank you. I hope everybody has a great holiday weekends.
Labor Day or Memorial Day, Labor Day, Labor Day, everybody
have good.

Speaker 2 (01:50:10):
Neighbor Jimmithy, have a great day, guys. We lock clams next,
we got Gator pregame at four o'clock and we're back
next Saturday, Florida Talk real Estate right on Real Radio.