Welcome Home with Guardian Savings Bank 12-7-24

Episode Transcript

Speaker 1 (00:03):
Good morning, Like the ten you're listening to Welcome Home
Show by Guardian Savings Bank. I'm glary freak's got Tim
Adams in here this Saturday morning. We're glad to have
you tuned into us. Hope everybody's having a good weekend.
Got your toboggin's out and your gloves and all the
warm stuff and taking care of yourself. The weather's coming
on pretty quick, tim. A little bit of snowfall this
week and some other stuff going on. But uh, you know,

(00:27):
Rache's still holding steady words six seven five on a
thirty year fixed and six and a quarter on a fifteen.
So if you got anything going on with that, I've
been I've been doing this Cage Sea loans man at
you know, five point seventy five for first time home buyers.
No end, no, no, no neighborhood restrictions. But uh, I've
been happy with that man's carrying this morning. And I

(00:49):
know you got some stuff going on too. I mean,
what's your claim to fame right now? I know you're
watching the rates and you're kind of hedging on what's
going to happen.

Speaker 2 (00:56):
Well, I think.

Speaker 1 (00:57):
Something will happen, and it may not be immediate, but
certainly nearing the first quarter of twenty twenty five. You
know what my prediction is it rates will come in
line and some of these builders across the country need
a lower rate to sell some of these homes they've built,
you know, and get prepared to sell the ones they've
got under construction. May not be trigger in fact county,

(01:18):
but you've got a paint with a broad brush when
you talk about rates. You know, most of these barrowers
or consumers are still hesitant to buy. That's understandable given
that if they've got three percent on a thirty or fix.

Speaker 2 (01:28):
So we're trying to change that philosophy.

Speaker 1 (01:31):
Per se, because as you know, Larry, the longer you
wait to buy that home, the more expensive it's going
to be, which could certainly outweigh what the rate is
now to go ahead and buy. And like you say, Mary,
the home and not the loan.

Speaker 2 (01:45):
Yeah, Marry the home, date the loan.

Speaker 1 (01:46):
Just just kind of fool around with it just a
little bit, feel it out and see how good it's
going to be, and then if it's if it's steady
for a while, keep it.

Speaker 2 (01:53):
If things starts changing, you got to make change and
let's see for a low rate.

Speaker 1 (01:56):
That's right, But we all, you know, we all anticipate
mortgage rates are going to them down because you know,
the mandate by the election was to bring down the
cost of milk, bread and mortgages. So we have to
think that there's going to be some light here at
the end of the tunnel regard to mortgage rates to
help push people out of the home, and they're in
when they're ready to buy, and the only lobstacle they

(02:18):
have is a higher rate that don't necessarily is not
a very maybe not a wise play at this point
in your home buying life. But we also are looking
to refinance Sundays eight percent. We know that there's that
I got. I'm working on reefinance right now. They're at
eight percent, so six point seventy five. Hello, they're ready

(02:38):
to pull the trigger, and and I've shown them with
our closing costs. We'll do it again in six months.
If it's h if it's makes sense. Everybody's got different
things going on in their lives, you know what I mean.
People are changing jobs or changing school districts, People get
divorces unfortunately, and there's all kinds of different things that
come about that people. You know, life happens, you know,

(02:59):
so there's there's there could be a time when you
need to do something, and we're gonna try to do
the best deal. We can give you the best deal
we can. The claim to fame here and the reason
we've been one of the top lenders in central Kentucky
for ten years eleven years. We service our loans, you
know we I was talking with the guy yesterday, you know,
he said, hey, you know, my house went from my

(03:19):
lot value to a house value, and I've got some
taxes I got to pay.

Speaker 2 (03:23):
How do I do it?

Speaker 1 (03:23):
And I said, well, I can't take exactly what the
number is, but I'm going to give you the number
five one three nine three forty one hundred, and you
asked for servicing, and let them know. They're going to
get yourself security number, account number, and they're going to
tell you how to get this fixed. And the best
part about it was we knew it was going to happen,
I said, Tim, I said, I told him, I said,
your a lot, you paid one sixty five for it.

(03:44):
That's what you're going to be taxed on till everything
hits the record books. Your taxes are going to go up.

Speaker 2 (03:49):
Be prepared. And the guy was sharp.

Speaker 1 (03:51):
He's prepared, you know about I guess he's been in
the house three years now, a couple of years on
a lower rate, and that's fine.

Speaker 2 (03:57):
They can't come back and do anything to him. But
I was like, he's like, what do I owe?

Speaker 1 (04:01):
I said, well, just call that number, you know, let
him know what's going on.

Speaker 2 (04:05):
If you have any issues, let me know. But they'll
tell you.

Speaker 1 (04:07):
How much it is, how to fix it, how it's
going to work moving forward, what you need to do,
and that's what you do with the local company. I
could have probably taken the time to call up there
and get all the information, then call and tell it
to him, and then hell, have another question that I
might not have, and I'm calling back up there, you know,
But we have good customer service here and these people

(04:27):
will get help and they'll help him without fail and
take care of him. So he was able to get it,
and Tim, you know, I'm just going to tell you that.
I'll tell you what I got sitting on my desk
right here.

Speaker 2 (04:37):
I'm live.

Speaker 1 (04:37):
Let you read a little at letter here from my
mortgage older who happens to be us. This is what
mine says. We've completed review of your estro, mister Franks.
Currently as of today, you're showing that you have a
negative ESTCRO balance in the amount of eleven hundred and
thirteen dollars and thirty three cents.

Speaker 2 (04:52):
And you know what, we knew it was coming. We
knew it was coming.

Speaker 1 (04:56):
We've been saying for how long at the rates we're
going to go at forty percent across the board for
any insurance deal that you have, everybody's getting it. And
that's what's going on. And so you know what I'm
I'm fairly prepared for. You know, I didn't know how
much it was going to be, but it's uh, you know,
I got the same letter I prepared. We've been talking

(05:17):
about on the radio. The insurance rates were going up,
the insurance companies weren't gonna set around this year and
get beat to death on writing and all the crazy
stuff that goes on about every four years the things
don't go a certain way, and then.

Speaker 2 (05:29):
They weren't going to do it. And I don't blame them.
Proofs in the pudding and we talk about all the time,
what do you call it? Tim?

Speaker 1 (05:35):
And check up from the neck up, get your insurance out.
And I know I'm not the only one doing that
right now, did your just change? It changes without fail?
And the only way I know is I don't escro
and uh, I pay my insurance directly to in my case,
farm bureau, and uh, come on, Farm Bureau, give me
a break. I'm just kidding, but I'm not because they

(05:57):
can radically change my not radically, I misspoke. There have
been variances in my premium from you know, one period
to the next, one year to the next. Even I've
seen some yearly adjustments. So that is just a fact
of what you're talking about, Larry. It's not quantisarylines because

(06:20):
you wouldn't need insurance because they never crashed. But uh,
in this insurance world, it's we know that they take
it on the chin with all the natural disasters that
have taken place across the country. And I'm sure that
that has has an effect on homeowners insurance in general.

Speaker 2 (06:40):
I don't know, but it does.

Speaker 1 (06:43):
And it's you know, kind of one of my one
of our good friends that you know, the Refers Business
Center just said, if you can get a regional carrier,
and there's plenty of good ones around here. You're not
going to be affected by the hurricane in Florida with
your rates, or in New Orleans, you know, with all states,
some of these national conglomerates, because it's you know, everybody's

(07:03):
paying into the kitty.

Speaker 2 (07:05):
They're five star rated, their top of the line.

Speaker 1 (07:07):
But if you can find a local carrier that you're
only going to deal with the stuff that happens pretty
much in your region and in your area, it can.

Speaker 2 (07:13):
Be a lot cheaper for you. And there are places
out there like that. I'll just tell you. I'm a
Liberty mutual. You know. Joey Doom was my guy.

Speaker 1 (07:22):
But when that bill came out and I wound up
being short, I got on the phone and I redid
my insurance and uh, you know, there's gonna be a
lot of people doing that, but it's uh, you know,
we tried to give them heads up.

Speaker 2 (07:35):
I knew it was coming, you knew it was coming,
but I just got the letters dated.

Speaker 1 (07:40):
Uh November twenty six or so, I don't know somewhere
in there.

Speaker 2 (07:44):
So are you in a short falls? Know what you're saying.

Speaker 1 (07:46):
Yeah, eleven hundred and thirty eleven hundred and thirteen dollars
and thirty three cents. I just happened to have it.
I'll get it taken care of, but not everybody's like that.
I'll help still budget that over time. Well, I'm going
to send them the whole thing, and that we will
budget a payment plan. If you don't have the if
you don't want to pony up to eleven hundred dollars,
or if you didn't.

Speaker 2 (08:06):
In this case, we'll make arrangements.

Speaker 1 (08:09):
And there was accordingly, yeah, and then like I said,
the other guy, his was substantially more than his taxes.

Speaker 2 (08:16):
His insurance probably changed a little bit too, but his
was primarily taxed.

Speaker 1 (08:19):
Now you do about that, you call a tax discess
or if you're if you have uh, you know, very
solid evidence that you're your house isn't value and what
the PVA says it is, and that happens. I've seen
some success in using an appraisal to combat the PVA
on the value of a home in regard to property taxes,

(08:41):
but that comes an expense to have an appraisal done,
and it might make sense.

Speaker 2 (08:47):
To challenge the.

Speaker 1 (08:48):
PVA if you really don't think your if you think
your home is overvalue at the PBA, I had a
deal that I was working on this this week and hopefully,
you know, it'll work out. But guy's got a good rate.
He's in the tigh three'es on a thirty year fix.
But he's getting ready to sell his house. He's been

(09:08):
in it for a while. He briefinance, got down in
the threes, doesn't owe a ton of money on it,
but he's wanting to sell it, and he's gonna sell
it this summer, and he wants to pull some cash out,
and he wants to do some stuff around it. And Tim,
you know as well as I do anybit's in this business.
These delivery fees that you have that are imposed by
Fanny and Freddy for multiple, multiple purposes. The one you know,

(09:33):
some of the purpose we're familiar with, some of them not.
But anyway, I want to do him on a six
and a half percent, which is a quarter percent less
than a thirty year fixed on a one year arm
and get him his cash out to fix all the
things he wants around his house, get it in tip
top shape, and then he's gonna sell it this spring
or early this summer. Closing costs other than Necro's nine

(09:56):
hundred and fifty eight bucks. And he's pulling a thirty
seven eight hundred od out to do stuff around the house.
Probably pay a few bills. I don't care what he
does with it. No origination fees, no origination fees, there's
no delivery fees. If he will come in, how are
you want to call it? Yeah, so if he wanted
to come into a thirty year fix and do all that,
he'd have delivery fees for Kevin cash out even though
he's at you know, fifty two percent loan to value.

(10:19):
So it's just sometimes, you know, you just got to
know what tools you have to work with. And in
this case, his his rate's going to go up a
little bit. But you know, he has a plan. He's
going to sell his house. Gonna be in twelve months.
He's going to pull the cash out. It's going to
cost him nine hundred and fifty eight bucks. He's going
to do ale that house up, get everything neutralized, and
fix it to where it's appealing hopefully to more people

(10:41):
than nine and.

Speaker 2 (10:42):
He's going to sell it.

Speaker 1 (10:44):
And uh, you know, that's what we're here to do.
We're here to build personal relationships, you know, take care
of our people. A lot of the people I'm dealing
with right now, or second and third time people or
their family members. Yeah, you know, and at the board
sometimes it takes just talking through your options and how

(11:04):
long you're going to live in the house, and there's
a lot of good basic questions we can address and
come up with a game plan.

Speaker 2 (11:11):
Yeah, I mean that we had.

Speaker 1 (11:14):
You were with me visiting with a client just a
minute ago getting a VA loan referred in here by
super happy client. He would we wouldn't known him otherwise
he'd come into a VA loan we had. You know,
that's what that's what it's about, just making people happy,
building a relationship. And just like I told the guy
that just left her, I said, I want to do
a good, better job than you expect, so that you're
comfortable telling people give them a call Guardian. They'll take

(11:36):
care of it. They do what they say they're going
to do. They get it done when they say they're
going to do it.

Speaker 2 (11:39):
And it ain't gonna cost you an arm in a leg,
and then you can call.

Speaker 1 (11:42):
Them if you've got an issue with it. You stop
in see tim over at Hamburg. You have a pizza
four year or some cookies every day and a little
fresh coffee, chat, hang out around the lobby. I mean
that's kind of your forte now, isn't it. I'd be
a jersey. Mike's uh okay, that's all right. Kind of
practice your golf swing there in the front.

Speaker 2 (12:01):
Lobby, hanging out and I'm chipping and putting right now inside. Yeah,
that's good. You gotta stay in shape.

Speaker 1 (12:07):
We're gonna take a break. It's gonna be our first
break for today. But we're gonna be right back. Oh
the banks opening a day from nine to one. Phone
numbers eight five nine, eight nine, nine one nine three
six South and Drives eight five nine two six three
three three three five.

Speaker 2 (12:22):
Hey, listen to Avery crab.

Speaker 1 (12:23):
Trees music today and if you enjoy it, then you
get a look at a YouTube. That blonde playing the
fiddles Carson McKee. She's playing with Diamond Reo right now.
So we hope you enjoy the music today you get
out check out Avery Crabtree. You're listening to Welcome Home
Show by Guardian Savings Bank on News Radio six point
thirty w LAB be right back. You're back listening to

(12:46):
Welcome Home Show by Guardian Savings Bank. Tim Adams, Larry
Freke's in here this Saturday morning. Hope you're enjoying the show.
Banks open a day from nine to one. Phone numbers
eight five, nine, eight nine nine one nine three six.
That's here in Hamburg. Southland Drive is eighty five nine.

Speaker 2 (13:06):
Two six three three three three five. And if you
want to give somebody, call over there.

Speaker 1 (13:11):
Jamie Mortimer, Aeron O'Brien, Jim McKenzie, Alex Malaney.

Speaker 2 (13:15):
Those people can help you. They've been there.

Speaker 1 (13:18):
Well, Jamie's been there since day one, Alex two and
then no gym, and then Alex and then Aaron.

Speaker 2 (13:24):
But they're all. We ain't had no turnover in this business. Tim.
We're still kicking along making things happen.

Speaker 1 (13:30):
Lara, we got the It's been an exciting week with
the SEC versus the ACC little contest we've had going
on games all week.

Speaker 2 (13:38):
It's been real fun.

Speaker 1 (13:39):
Unfortunately, Kentucky was one of a few SEC teams that
didn't win. They're at ACC game, but we got to
cast tonight. I think it's a late night tip off coverage.
We'll start here around sevent pm Denzaga, So stay tuned
for the big Blue, Big Blue manus being forced and

(14:00):
so stay tuned to w l e P for that coverage. Yeah,
get the guys on early about seven o'clock and they'll
feed everybody into the what happened at.

Speaker 2 (14:13):
Clemson and what they expected They gouns Auga.

Speaker 1 (14:18):
So well, what happened to that Clemson kind of happened
to Auburn this week as well, and they couldn't hit
the shots down down the stretch, and uh do kind
of outplayed them there in the second half. But like
I said, it was a fun week for college basketball
in general. There was a lot of Top twenty games
on TV this week, and I know I enjoyed it

(14:39):
given the cold weather and kind of hunkered down a
little bit and watching basketball.

Speaker 2 (14:46):
But uh so, what's your take on the game. What
do you think is gonna hapen? They're gonna get back
from the loss.

Speaker 1 (14:51):
It's going to be absolutely We got a group of
kids here that they're this in in their first rodeo,
and they've got experience under the belt. I'm not worried
about them at all, and and uh just gotta gotta
have the shots fall when you need the shots to
fall sometimes, and that didn't happen the other night at Clemson,
and uh, like I said, it didn't happen the other

(15:11):
night for Auburn.

Speaker 2 (15:11):
They kind of went through the same syndrome.

Speaker 1 (15:14):
So Auburn and Kentucky were the only two teams I
can think of that lost.

Speaker 2 (15:19):
In the ACCI.

Speaker 1 (15:20):
SERI, he's Mississippi State just killed somebody. I can't remember
an Alabama roll.

Speaker 2 (15:24):
So Mississippi State.

Speaker 1 (15:25):
We're gonna have a tough conference, uh this year, tough
conference in the SEC. It'll be a dogfight every game,
and on the road's.

Speaker 2 (15:35):
Even gonna be tougher.

Speaker 1 (15:36):
As you know, every team gears up as they rushed
the floor and at Clemson this week. So but uh,
it's fun times early in the season, a lot of
growing to do. As Duke show, they put that freshman
into the ninting scored he hit sixty three. So teams
start jelling during the season, and I think we're seeing

(15:58):
some gelling. And I think we'll continue to get better
and the Cats will continue to get better if we
roll on here.

Speaker 2 (16:04):
But uh, well, I mean we've had we've been gone
a complete cycle. Baby. We've gone all the way around
to seventeen and eighteen year olds being one and done,
to twenty one and twenty two year olds playing for
their last chance to have fun.

Speaker 1 (16:17):
That's right there. And I like the way to play,
I like the style and so on and so forth.
And we're gonna have another guest with us for a
little bit on the next segment, talk a little bit
about insurance.

Speaker 2 (16:26):
We talked about about about house insurance, but she she
gonna talk a little bit and reasoning.

Speaker 3 (16:31):
I had.

Speaker 1 (16:31):
I talked to a client this week that's fighting like
hell with her insurance company over some stuff that really
is kind of crazy.

Speaker 2 (16:38):
We all go through it. But she just might have
a few clues on what people can look for if
they've been to the hospital and you know, have stuff
you know might not be reported properly. And anyway, we're
looking forward.

Speaker 1 (16:48):
I'm looking forward to this game tonight and Gonzaga should
be a good show and we'll see how they rebound.
I mean, they're old enough, like you said ten, their
experienced players are going to mix it up.

Speaker 2 (16:56):
They're not going to give up. And uh, you know,
I like the way coach's coaching, so that's good for us.

Speaker 1 (17:01):
But pregame gonna be about seven Right here on wlap,
hey bank is over to day for nine to one
phone numbers eight five nine eight nine nine nine three
six thirty year fixed rate six point seventy five. Right now,
we've got some other good programs. Two kg c's by
seven five fahava. We've got all that stuff, So give
us a call.

Speaker 2 (17:18):
We'll help you out. The passbook savings account pretty good shape.

Speaker 1 (17:22):
Hey, we hope you listen to the music this morning
and enjoy it's Avery crab Tree is a local product.
Find them on YouTube and a little bit on Spotify.
You go see some new stuff out pretty quick. But
he's at Austin City all time. Around town, Avery Crabtree.
Anybody been in music business? Round lictionson Central k Techy
they know who is. We hope you enjoyed.

Speaker 2 (17:40):
We'll be right back here. Listen Welcome Home Show by
Guardian Savings Bank on news radio six thirty w LAP.

Speaker 1 (17:46):
You're back listening to Welcome Home Show by Guardian Savings
Matt Appreciation tuning into us this weekend.

Speaker 2 (17:51):
Hope everybody's enjoying the.

Speaker 1 (17:52):
Weather, getting your yard work done, getting your leaves raked up,
and getting ready for Christmas.

Speaker 2 (17:56):
A lot of lights and stuff going on. Tim gimm
a good Thanksgiving. I did.

Speaker 1 (18:03):
I got a funny story about Thanksgiving, I went down
and picked up my mother from Somerset, Kentucky, my hometown.
So hello to anybody from Somerset that's listening today.

Speaker 2 (18:17):
You may remember me. Uh we ended up. I'd been
promising her to take her to.

Speaker 1 (18:24):
The big BUCkies down at the Duncannon exit, and so,
by golly, we had really had our Thanksgiving on Wednesday
night and then we were kind of open on Thursday,
and so we spent uh probably about a good hour
in BUCkies on this Thanksgiving day. So she had the
she had the brisket sandwich, and uh, that was our

(18:49):
Thanksgiving at BUCkies. I mean that's we did simple stuff too.
We just had a good time and it didn't get
to fancy. I think we had very very good meal.

Speaker 2 (19:02):
Uh. We we did primary we did when we was
killer yep bone in. It was h good potato is.

Speaker 1 (19:13):
You know, just did something a little something different, a
little more simple. But uh, everybody has their own flavor
and everybody does their own thing. We appreciate all that too.

Speaker 2 (19:20):
But so did you get you You did take your
mom to Budckies.

Speaker 1 (19:23):
That was probably about like that Christmas is Black Friday,
I mean packed in near water wall. She gets some brisket. Absolutely,
she got the brisket. She went by the bakery. They
were giving away free chocolate samples in the budge department.

Speaker 2 (19:40):
Uh.

Speaker 1 (19:40):
It was actually pretty fun, you know, to see her
amazement at this glorified convenience store. I don't recall that,
but it certainly is a glorified convenience store. And I
call it a cracker barrel about donning. Yeah, you got
your thing and go.

Speaker 2 (20:00):
Yeah, we've been I've been in a couple of them
in nerve.

Speaker 1 (20:04):
I mean they're always packed. I mean they're always packed.
So I don't know what's what's uh, what's gonna happen
next with them? But I mean where were uh? And
we got to guests with us? Now, Tiffany Parsons, she's
a nurse around been traveling her for several years, and
we talked about insurance and stuff. I thought, man, we
talked about it all the time because we know what's

(20:24):
going on out there. And I asked her, you know,
what's the mark up in the operator?

Speaker 2 (20:28):
What's what? What do people do? The main thing, she
Joyce says, is, you know, when people are in surgery,
I'm the I'm the patient's advocate. That's my main job.

Speaker 1 (20:35):
But other than the rest of the stuff, there's crazy
numbers and stuff probably to be told heard about.

Speaker 2 (20:39):
But so we were just gonna chat about that for
this second.

Speaker 1 (20:43):
So and it really my friend out Nicholsfield just got
kept with some bills and she was paid her over
to ductles and everything. Now they're going to go back
and refigure bills. And now she thinks shows a bunch
of money right here at Christmas time. And I said,
just keep your record straight everything, you know, she thought
she had met her inductibles with what type of clues

(21:04):
do you have anything you can tell them?

Speaker 2 (21:05):
I mean to look for or what? You know? What? What?

Speaker 4 (21:08):
Well, first of all, I say, go over your bill
with a fine tooth comb it. You'll be charged for
things that you did not receive.

Speaker 2 (21:17):
Who else can verify what you did or didn't get
when you're sleeping? True?

Speaker 1 (21:24):
But well, I think that's where you take up an
advocate right like that, so that maybe help you navigate
that that bill.

Speaker 4 (21:32):
I can help navigate the bill, but I also won't
charge you for something that we've dropped or something that
was broken or you know. But the markup went from
seven hundred and seventy seven percent on supplies before the
Biden administration to nine hundred and ninety nine percent after
Biden administration.

Speaker 3 (21:49):
So the hospital's got a little leeway, they're a little patty.

Speaker 2 (21:54):
And so.

Speaker 1 (21:56):
Well, I can't.

Speaker 2 (21:57):
Then there's there's so many questions.

Speaker 1 (21:58):
That are probably deeper in what we want to get
into in this phone conversation, like how that's negotiated, you know.
I mean recently, I just had surgery and we you know,
went to Louisville and got it. You know, my insurance
covered it and so on and so forth. But not
everybody's that fortunate, you know.

Speaker 2 (22:11):
But sometimes if you have a life. For example, I
had a friend that had a bunch of blood work
done and she.

Speaker 4 (22:18):
Had it on her insurance, and she got an insurance
bill for like a thousand dollars. So she went back
to the doctor and said, I can't pay this. They said, well,
we'll just mark you is private pay, said you don't
have insurance, and she only ended up paying seventy five dollars.

Speaker 1 (22:31):
Yah.

Speaker 2 (22:32):
Yeah, I went round around. I do. We work with
credit for a living, and will tell you that we
fixed some people before.

Speaker 1 (22:39):
And I had something that was an issue, and I
knew I'd done everything I was supposed to and finally
it was here dark.

Speaker 4 (22:45):
You know.

Speaker 2 (22:45):
I wound up doing the loan for a lady that
worked in the billing department.

Speaker 1 (22:48):
And I had a three I had a half inchtick
paper of conversations and bills, and what happened was at
the doctor's office they had built me under a doctor
that wasn't in our program.

Speaker 2 (23:00):
I did go. They did what they said they were
going to do.

Speaker 1 (23:03):
I paid what I was supposed to pay, but then
they billed me under doctor Wilson instead of doctor Johnson.

Speaker 2 (23:08):
And so they kept saying, oh u oh u o
u oh. You know that wasn't it. So you know
it's you know, you just got it.

Speaker 3 (23:17):
You have to be look at for number one, all right,
exactly what that could also be considered some type of fraud.

Speaker 1 (23:23):
That well, I mean, they we fixed it, but we
didn't know why. I mean, I'm arguing, I got my
HR people on it. Everybody's working on it. They're trying
to get a resolved, they're trying to do all this
right and in its own and it comes to like,
you know, I had to call work on a client
right now, it is calling, and I want to know
how they can work a fifty thousand dollars medical bill

(23:44):
and an equity line. And I'm like, you know, they're older, retired,
and so how do you incur a fifty thousand dollars
medical bill that insurance or Medicare or whatever does it pay.
I don't get into that, but that's just what's I

(24:04):
see that now we're seeing some of that happening, you know,
That's what That's.

Speaker 2 (24:08):
Why when we were talking about just home learns interesting.
We talk about this all the time.

Speaker 1 (24:12):
She works in them, you know, she's working in the
operating roomly and just to come home and talk about
blowing away.

Speaker 2 (24:18):
She doesn't. The patient's gonna be fine. They're gonna heal
up until they see the bill. Well.

Speaker 3 (24:23):
Also, when I was at the University of Kentucky Hospital,
they have people that are like bail bondsman's that come
in and will guarantee that you will get your medical.

Speaker 2 (24:31):
Bills paid, that they want a lean on your home. Well, yeah,
I don't know how.

Speaker 1 (24:38):
They kind of got you over at Barrel, don't they
pretty much? Sir, you want to keep your liver or
you wanna you know, uh, look at your house up.

Speaker 2 (24:49):
Don't want to keep my lever. And that's where it's
coming to. And I hate it, and it's you know, well,
and they're also you.

Speaker 4 (24:56):
Know, talking to these people at their worst possible time,
and you.

Speaker 1 (25:00):
Know, yeah, emotionally yeah, well, I mean that's I met
my deductible this summer with stuff I had going on,
and I had this reverse shoulder replacement and and and
now I got a bill here for thirteen or fourth.
I'm like, I've already paid. I'm already out of pocket.
All I need to be out of pocket. Keep telling
the people build my insurance coman they're gonna do it.

Speaker 2 (25:20):
Well, you know, I paid it. I was done it July.
I paid all my stuff.

Speaker 1 (25:24):
My four thousand out of pocket was out and so
it's just it's it's crazy. It's homeowners insurance, a poor deal,
a lot easier deal than the health.

Speaker 4 (25:34):
But it.

Speaker 2 (25:36):
With old my My talks about it, you know, he
goes to the you know, we're all it's just crazy.

Speaker 1 (25:49):
But just be your own advocate basically, and make sure
you know what's going on, to ask questions, take notes,
and I tell.

Speaker 2 (25:54):
Everybody I make a note.

Speaker 1 (25:56):
I talked to Tina the day at two o'clock at
Extension forty seven, I talked and then way they can
go back and track that record what happened to my
friend in Nicholasville something. They said, Oh, you, we talked
to you on the fifteenth. I talk to you on
the fifteenth. I talked this person on the fifteenth. Oh no,
you said, no, she had she knew, and they record
that stuff, you know, So that's what you.

Speaker 4 (26:16):
Have to do.

Speaker 2 (26:17):
You really have to text here. We're not trying to
scare anybody, but I mean just is just a little
checkup from the neck up on. It's the same way
of going to a car repair man. Larry, Well, you're
Johnson rods Out. Oh it is Alma Johnson rods Out. Eh,
we'll get a new one. Then go hey, I need
to know Johnson rod put it is well Iffy just
had that happen?

Speaker 3 (26:36):
Well, I say that you almost need somebody that has
medical knowledge to get good medical care. So it's important
if you have questions and have any friends or any
family members that are in the healthcare profession to ask
their advice.

Speaker 2 (26:52):
Yeah, if they're willing to get it, I just go
by doctor Foster. That's my guy. Well, at the end
of the day. So at the end of the day,
it's a business. They're the business. I'm making money.

Speaker 1 (27:03):
Unfortunately, and unfortunately, there are unscrupulous hospitals across this country
that take advantage when you say, Tiffany.

Speaker 2 (27:11):
Well I did.

Speaker 3 (27:11):
But also we're having a lot of mass exodus of
doctors because of the way that the government's controlling their payment.

Speaker 1 (27:18):
And a cured patient is a lost client, and you
know that's right, and that's you know, unfortunately. I mean,
I've seen this thing on Facebook the other day of
how much Advisors made Nick Cure nothing, you know, and
you know that I don't mean to knock anybody down.

Speaker 2 (27:34):
They do some stuff that helps people make it a
lot longer life in a lot of ways. But there's
I don't know, Well, it hard because I believe the
free enterprise.

Speaker 3 (27:43):
But yes, you can't have somebody that can't afford their
diabetic medications and then the CEO making billions of dollars
a year.

Speaker 1 (27:49):
But the real problem to me is if the if
the these drug companies can conspire with food manufacturers to
create food that they know is unhealthy, and well know they.

Speaker 2 (27:58):
We'll call health problems that you can treat with your drugs, right.
Oh yeah, dude. When I sometimes well, I lost my weight,
I went from eight pills too, and I went to.

Speaker 1 (28:09):
The doctor, doctor Sheeta, and I said, now I'm doing
this class draw medicine, this medicine, that medicine.

Speaker 2 (28:14):
And I said, I've been reading it. That stuff ain't
really what it's cut out to be. And it creates dementia,
which you know, Tim, you tell me I have it
all the time.

Speaker 1 (28:22):
But you know, he said, it's You're right, he said,
but if it's not hurting you take I said, I
don't know if it's going to hurt me or not.

Speaker 2 (28:28):
Once I get dementia, I quit taking it.

Speaker 1 (28:30):
And I have not had any issues with my LBLS,
my cels or any of that stuff, cholesterol, you know
what I mean.

Speaker 2 (28:35):
It's just it was it's a money game because you
control of it with your diet. All your Jersey mix
is all you'll let me have.

Speaker 1 (28:43):
I don't even eat that anymore because I'm leaning off
of bread.

Speaker 2 (28:46):
So I've never seen you on bread for seven years
down to you know, eating a lot of soups and salads.

Speaker 1 (28:52):
So I don't know if it's going to make a difference,
but certainly it's based on what we know about certain
foods and cholesterol not true, but what we know about sugar.
And you know, I figured to be about thirty second
conversation with him, and it wasn't.

Speaker 2 (29:09):
It was all he was like, you're right. We talked
for about twenty minutes. He said more about the heart
and how it works and what really.

Speaker 1 (29:16):
Causes stuff, and a lot of that stuff that they've
been given these status people all these years.

Speaker 2 (29:22):
Ain't what do you think it is? So anyhow, we
appreciate you. Listen to us. We got one.

Speaker 1 (29:27):
Hey, you're going to hear some music from Avery Crabtree.
Today's a local artist around ten. If anybody knows who
he is, you know who he is, so don't miss him,
don't sleep on him. Finding him on YouTube. He's a
great guy, great entertainer. If you can hear, you can
call us. We'll be right back. You're listen to Welcome
Home Show by Guardian Save His Bank on News Radio
next thirty. W Ell, you're back listening to the Welcome

(29:47):
Home Show here on news Radio six thirty. Tim Adams
and Larry Franks your normal characters on ear of this
Saturday cold, bitterly cold.

Speaker 2 (29:59):
It's gonna be one umber today though, so that's that's
a that's a good thing number today tomorrow.

Speaker 1 (30:04):
But the banks are over today for nine to one
eight five nine, eight nine, nine one nine six in
Hamburg eight five nine two six three three three three
five over at our Southland Drive branch, rates are you know,
better than they have in Hopefully we'll see some more
improvement as we go. Six point seventy five today is

(30:25):
the norm on a thirty year fixed rate. You do
have some adjustable rate loans one, two and three year
terms averaging about seven and a quarter seven percent for
a one year, seven and a quarter for a two year,
and maybe seven and a half or three.

Speaker 2 (30:41):
Will call us and get.

Speaker 1 (30:42):
A great quote on those arm rates because hopefully they're
going to get better to hopefully all rates are going
to get better, because I think that that was part
of this election and the Americans made their decision and
the top three you know, or like I said, comically say,
is milk bread in mortgages. And we're certainly in the
mortgage industry looking for some lower rates to improve the

(31:06):
position of some of our borrowers that we know are
out there. At eight percent right now. They bought homes
at the highest point.

Speaker 2 (31:13):
Now we're looking to improve their position and possibly spur
them to go buy maybe the home that they were
going to buy until race went up.

Speaker 1 (31:21):
And then the other thing is with the value increasing
like they are, Tim, somebody's been in the house now
maybe a year or so. They'ret eight percent, seven and
a half. We can give a six seven five, maybe
get rid of a little mortgage in Churm saved a
couple of months payments. Yeah, you know, I mean, what's
wrong with that?

Speaker 2 (31:39):
Yuarava.

Speaker 1 (31:40):
And we've got Tiffany on here to talk about, you know,
healthcare a little bit, because sometimes that's a daunting when
you have to have a medical procedure or you need
medical care in any form or fashion, you know, like
she says, you need somebody that can kind of help
you maybe through that process when the billing time comes
right there, absolutely beginning to end. Actually people, you know.

Speaker 2 (32:03):
And the thing is so intimidating. I don't care who
you are, you know, I mean the stuff.

Speaker 1 (32:07):
That comes in and you can see what I'm sitting
here looking at during this radio show, just different stuff
about you know, what I've got going on from my
you know, shoulder replacement from Norton.

Speaker 2 (32:17):
Over there, and I've already I've already been my deduct.

Speaker 1 (32:18):
Well, I'm gonna have to spend some time on here,
my own time, put things together, trying to get some
set and stuff straight.

Speaker 2 (32:24):
And I know I'm not the only one and just
been a topic. But on the other side of things,
I don't want to talk a little bit more about
this cage.

Speaker 1 (32:31):
See you long, don't forget me, Rachel five point seven five,
first time home buy our program, location limits not an issue,
and down payment assistance and that's going to be more
and marrier for those types of things. Let's get it
in the program, getting looking for it. You know what
I'm saying, makes something happened.

Speaker 2 (32:52):
But I like the Conduct your Housing program.

Speaker 1 (32:54):
I've got close about three them this month, and they
got it at five and a half and then it
went to five point seven five. A little bit on
some of the views and they'll have a little bit
on some of the decrease, but still a great loan
considering the savings that you can be afforded with using
the program.

Speaker 2 (33:10):
It's a it's a good time. But as we talked
about earlier the Cats.

Speaker 1 (33:14):
You're going to be on the night late game Gozaga
pre game is just seven o'clock, so you know that's
gonna be a while. So if you're out out and
about and you see Tim hal ready, good bye. You
a beer and but just don't be driving. You know,
drinking and driving the one instigate that. We want everybody
to have a good time. But we'll get up and
watch the game. Sign some autographs you want, some people,

(33:35):
take some pictures with us, and just just haul and say, hey,
we appreciate you guys, and we appreciate you guys.

Speaker 2 (33:41):
I like our squad, I like her squad. We appreciate
you guys tuning into us this weekend.

Speaker 1 (33:45):
We hope you enjoy the show. We hope you enjoy
the music that surrounds the show. Try to find us
some local artists and some good upstanding people to play
their music. Expose them a little bit.

Speaker 2 (33:56):
You've been a listener. Welcome Home show by Guardian Savings Bank.

Speaker 1 (33:59):
We're open today one when it was eight five nine,
eight nine nine one nine three six Southland Drives eight
five nine.

Speaker 2 (34:06):
Two six three three three three five. You can hear
shoot and call us.

Speaker 1 (34:11):
Hey, you're gonna be blessed with hearing a little bit
of music from Avery Crabtree, one of the local legends
of Central Kentucky. Award winning Avery Crabtree, So listen to
him on YouTube, Spotify when you can find him. To
get out and support him locally, let's go on news
radio six point.

Speaker 2 (34:26):
Thirty Caliver here because here you all gets lap. I'll
be back next Saturday here on I'm