Episode Transcript
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Speaker 1 (00:04):
Good morning Lexington.
Speaker 2 (00:05):
Your listen to Welcome Home show about Guardian Savings Bank
very freaks. Tim Adams in here with you this Saturday morning.
Bank open to 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 1 (00:21):
So if you can hear so you can call us.
Speaker 2 (00:23):
Still six point seventy five percent on a thirty year fix.
We're five eight seven five on our fifteen year and
that's five hundred dollars closing costs and no delivery fees
or anything like that. So other than your escro setup,
if that's what you're gonna do, that's pretty good closing costs.
So keep those things in mind. And market had some
you know, been all kinds of news and all kinds
(00:44):
of meetings going on this week, but there's you know,
really not a whole lot of action in the bond
market that's helping us get these rates lower. But we're
we're fighting it. We're trying to see what's going on.
Speaker 1 (00:54):
But Tim, we're.
Speaker 2 (00:54):
Still taking applications and making things happen. But we've been
taking applications, got a lot of stuff going on we're
just trying to keep moving forward with it. And we
you know, I tell Tim, we talk about all the time,
marry the home and date the loan. The lower of
these rates go, the more competition you're going to have
in trying to get a home bought. And you pointed
(01:14):
out last week ten that there's thirty three percent more
homes on the market and thirty percent less bills, so
you know, so that's going to supply and demand. You know,
so there's going to have some issues, you know with that.
So call us eight five nine, eight ninety nine one
nine three six, let us get your pre qualified, let
us take a look at it.
Speaker 1 (01:33):
You know, we've got some other programs.
Speaker 2 (01:35):
We've got FHA, ba USDA, we've got the Home Possible program,
and yeah, we've got good stuff. But we're six point
seventy five on a thirty year, fix six and three
eights on a twenty year and five eight seven five
on a fifteen. So get and call around to see
what other people are charge. We're going to be in
the game, and our closing costs are just really really
hard to beat when we service our conventional loans. I mean,
(01:57):
you know, I get I've talked to a couple of
people this week, and I've been working on insurance, you know,
claim we're doing with all the weather and all the
crazy stuff that's going on, and we you know, we
service these loans, so obviously the making sure the homes
get repaired back and everything's in shape, we're involved with that.
And I've learned a lot on that this week. And
one of the crazy things that I have, I don't
(02:20):
know if we talked about last week or not, but
it was the FEMA coverage and got the guy that's
got a claim and he's working on that. He bought
a little home down on the river, and obviously being
around the river, you might expect there might be a
problem every once in a while depending on what's going on.
But the policy he has, and I know there's different
levels of coverage on there, but it covers from the
(02:41):
floor joyce up and I was just as I learned that,
I was just like, wow, you know what I mean,
It's just the way the policy is. He couldn't have
got it any different way or any other way, but
anything below all the floora joyce he gets to take
care of. And you know, we were learning it together
and he's got to wear with all to get it done.
But I mean, and it's not like his regular home
insurance can step in and take over after the fact
(03:02):
that it's either a FEMA claim or a you know,
a liberty mutual claim or whoever.
Speaker 1 (03:07):
But but back to that FEMA budget.
Speaker 3 (03:10):
How in the world is a budget for FEMA when
it's unknown budget? How many the FEMA budget what they
have set aside for you.
Speaker 1 (03:19):
Know, he's paying for his insurance. He's got floods over there.
Speaker 3 (03:21):
But in general, how how does the government know how
much to appropriate for FEMA. Well, okay, we're going to
have ten hurricanes in you know, or around the country.
I mean, it's femas has as stretch. Stand my point.
Speaker 2 (03:36):
Well, I think that they're probably going to do away
with it anyway. Let it be stated in the state
operated or whatever. But it's I don't know what's going on.
But it's just that coverage himself was he could have
got it. I talked to the agent, you know, because
I'm learning, you know, this is all new to me,
handling these claims, and I said, he said, he couldn't
have got any other policy. And he said, I don't
care if he got it from Lloyd's of London, Mercury, Neptune, whoever.
(03:56):
He said, it's going to be the same coverage is
not much difference in price, but they're all the same.
And it's just, uh, you know, I'm learning on it.
But these insurance companies. I had guy that had insurance
that I was working with, they didn't send him a gesture.
So he takes a video of his house and pictures
of his house, sends us to his insurance company, and
then they tell him what they think it's going to
(04:16):
cost to fix it. I'm like, what, And that's a
well known that a SAFECode, you know. So so now
he's went in, you know, he's about fifteen thousand dollars
more than expenses for building his house back and just
to the same quality. He hadn't gone above board, ain't
done anything else. So now he's still got an open
claim and it's just, yeah, we're learning on it.
Speaker 3 (04:34):
But it's that offered him one eight thousand dollars for
a new AC system and.
Speaker 1 (04:41):
On this guy didn't have that problem.
Speaker 3 (04:42):
But really, now he should have been getting the twelve
thousand dollars HVAC they short changed on the claim.
Speaker 1 (04:51):
I remember you tell me about that. Yeah, well it's
because it's below gray.
Speaker 2 (04:55):
And then he's got to build back the code and
they don't cover him building back to because everything's changed
in his area. So, I mean, it's just crazy. The
other guy was one that sent his own video. They
didn't come and do any No, no adjuster showed up,
you know, just on his pictures and his videos is
how they tried to send him, you know. And he's
he's still got some open numbers and he'll get it
figured out anyway.
Speaker 1 (05:16):
That's kind of that's complicated. Well, we're learning as we go.
Speaker 2 (05:19):
But uh, and then you know, we've just had crazy
weather and different things happen. So the main thing is
we've worked on the moral stories. We service these loans.
That's from our closing costs are as cheap as they are.
We're helping these people get through it. There's more going
on than usual, just based on the weather patterns that
we had nothing too awful bad and and you know
what this part of what we do, tim you know,
(05:41):
I mean, once they get in the family, we'll keep
him in here and take care of them, make stuff happen.
Speaker 1 (05:45):
And I'm learning.
Speaker 2 (05:47):
I just haven't I've had several different cases in here,
and and I tell all everybody that I'm working with, hey,
I'm I'm just learning. It's new to me, so I'm
just trying to put it together. And they understand and
they'll help me.
Speaker 1 (06:00):
But wouldn't you agree we've had more than our share of.
Speaker 3 (06:05):
You know, acts of God around Well, sure, that's why
there's that's why what we had to start.
Speaker 2 (06:10):
Hearing it at this level, and that's why we had
to start doing at this level. I mean's there's just
so many different roof claims and and this, you know,
just just different stuff with crazy weather and but if
you want to deal with the local bank, be local
by local and stay local. And that's exactly what we
do here at guarding. I tell people all the time,
(06:30):
you know, that's that's kind of what you're getting in
our closing costs. You're gonna have a hard time beating them,
and we're here to help you and we'll help take
care of these things. So keep that in mind. We've
got a new loan officer on board with us, Richard Klaunch.
He's been around town doing blowns for quite a while
and he's set in with us for a second, and uh, well,
I just wanted to get him on here so that
if anybody's wondering what's going on where he may be
(06:51):
that Richard, We're glad to have you on board and
got some good stuff going on and hanging out. But
you know, let this if you want to say, you know,
people can reach out to you. I guess most people
have yourself on them, but like they do mine, you
know they do, they do. But thanks for having me in.
Speaker 4 (07:08):
You know, I've always listened to the show around town
Friends with ten for years, Larry for some time, you know,
a drive around on Saturday morning and listen to the
show myself. So now I'll get to see where the
magic's met.
Speaker 2 (07:21):
Yeah, I get to see where the magic happens. And
on Saturdays, man, there's there's crazy stuff going on. But
the ms from you know, much experience with Amari first,
so some Lextons might recognize, but.
Speaker 3 (07:35):
They were there for how long were you there? Mortgage
the most that and then America first, right, but yes,
I took his seat. That can thank you, orage and
we'll call that the wild West of lending back.
Speaker 1 (07:47):
Then, Well, we're.
Speaker 2 (07:49):
Glad to have you on board, and I just wanted to,
you know, get in here. People can hear and and
uet if you know, if they want to reach out there.
I mean your cell phone is you're still ready to
roll with that. And we're doing you know, conventional financy,
all the same stuff you've been doing.
Speaker 1 (08:03):
You just did. Just got your hat hanging on a
different stick.
Speaker 4 (08:06):
All right, So reach out to me at eight five
nine six you got any questions or want to know
more about what we're doing over here, Richard.
Speaker 2 (08:14):
How many years have you actually been doing moltgages going
on thirty one? Wow, that's about almost many, Pinky, and I've.
Speaker 1 (08:20):
Been doing it.
Speaker 2 (08:22):
He brought me under uh his wing, he did. Yeah, yeah,
now you got him under your wing. But we got
some a lot of experience in here, and we pride
ourselves on that. We talked about all the time. As
the market changes. You know, we've not lost anybody. Actually,
you're coming over here in a time when you know
rates are you we've all sold him at higher yeah,
(08:42):
and when they were low, they sold themselves. But I
mean we have have had about the same eight people
here in Lexington for a long time. We're proud of that.
We're glad to have you come and join us, and
you've been doing loans for quite a while. And Richard
just you know, uh, very very well attuned and in
tune with v A faha and a lot of those things.
Speaker 1 (09:02):
And so we just we're not reinventing the wheel, like I.
Speaker 2 (09:06):
Say, you just got a new place to come in
and hang your hat and still do business.
Speaker 1 (09:12):
Thanks for having me in, guys.
Speaker 3 (09:14):
Yeah, well, Richard understood our business moodel. You know from
the get go how we are structured in the event
that we take the payments for Freddie Mack and we
are services so that you know, he knows better than
me that some people say, well, who's going to.
Speaker 1 (09:32):
Service with my loan? Yeh, yeah, I get it correct.
Speaker 2 (09:34):
We have about three and a half billion with a
B in servicing. So people make their payments to Guardian
and they can drop them off in the drive through
here at Guardian and we're trying to make things happen.
And like I said, we get phone calls about all
kinds of stuff. Right now, we're helping people with insurance,
but we have well, you know, whatever the circumstances may be.
Speaker 1 (09:55):
It could be you know, taxes.
Speaker 2 (09:58):
They might have a question about their taxes and Richard
Digger and call and say, hey, you know, I saw
all change here.
Speaker 1 (10:03):
My bills changed, and it's it's not the payment.
Speaker 2 (10:06):
You know, the rate and interests are still the same,
but it's your your taxes or your entrance have changed.
And people will call and and they'll reach out to you.
And that's what I like about it.
Speaker 1 (10:14):
Man.
Speaker 2 (10:15):
It's just be local by a local and stay local,
and people can come into branch, they can make a
payment in here, and uh, you know we still you know,
it's I like it. And now I was telling you
the other day when we were chatting it. You know,
I'm doing loans for people's kids that I did loans
for I've been here long enought that.
Speaker 1 (10:31):
You know.
Speaker 2 (10:31):
The other kids are mine homes and they have enough
confidence in us and they bring us in and and
and it's a kind of a cycle of life, I guess.
You know, everything keeps going and they trust you and
they want to work with you just as you well know.
And that's what it's about, having some integrity and getting
things done you say.
Speaker 1 (10:49):
You can do.
Speaker 2 (10:51):
And it's, uh, there's so much of a different process
in here than anyplace else.
Speaker 1 (10:56):
No, not at all just a matter of how it's
handled on the backside.
Speaker 4 (10:59):
And and and the rates and the closing costs.
Speaker 2 (11:03):
Yeah, and and are closing a lot of people, they
how do you do your closing costs? SOT, And you
got to have prepayment pilling. We don't have any prepayment penalties.
You don't have to have a check in or savings
county in here, although we offer all of those things.
And so you know, we just try to make sure
that we keep everything that we can conventionally and our
in house money, our adjustble rate mortgages we keep at
h A V A USDA Kentucky House and those are
(11:25):
loans that we don't service. So we'll take care of,
you know, about anything that we get from you. But
we do owner occupied non owner occupied farm loans. We've
got about all the products we can, but we don't
do boat loans, note loans, car loans or anything like that.
Speaker 1 (11:43):
We just do our regular stuff.
Speaker 2 (11:45):
So once again, six point seventy five on a thirty
year fix, six point three seven five on a twenty
five eight seven five on a fifteen and you know
we'll go from there. Hey, we're going to listen to
some music on today's show from Jay Edwards, and he's
going to be at cocked Els a day from one
to four. We're gonna call it the Billy Strings pre
Party for everybody in town to see him. If you
want to hear some good original country music, just an
(12:07):
acoustics show with him and Amanda Pruitt one to four
cocktails over here on Todd's Road.
Speaker 1 (12:13):
Great food, good drinks, you good times.
Speaker 2 (12:15):
You want to come out before you go down to
see the show, or if you're in town and you've got
something to do today before you've gone to the Vy show.
So we'll get him on the phone here a little bit.
We're gonna take a break. Your listen to Welcome Home
Show by Guardian Savings Bank on News Radio six point thirty.
Speaker 1 (12:28):
Right here the home along at w lav We'll be
right back.
Speaker 2 (12:33):
You're back listening to Welcome Home Show by Guardian Savings Bank.
Sid Adams, Larry Freak and Richard Claunch in here with
you this Saturday morning. The bank is open today from
nine to one. The phone number is eight five nine
eight nine nine one nine three six. Southland Drive is
eight five nine two six three three three three five.
So if you can hear as you can call us
(12:55):
talking a little bit about some of the different rates
that we've got six point seven five on a thirty
year fix, six and three eighths on a twenty year,
six point three seven five, five point eight seventy five
on a fifteen year fix, So keep that in mind,
and closing costs are still in check.
Speaker 1 (13:12):
We used to do two fifty four refinance.
Speaker 2 (13:14):
Five hundred for a purchase, but now, tim what of
the nine fifty eight I think for all of a
sudden done the eighty dollars recording beed, So you're still
going to get a fair deal on closing costs. And
we service the loans. We talk about servicing the loans
and so on and so forth. So we're talking a
little bit about some of the different insurance stuff we
have going on, and we get to see a lot
of it. But now with all of the crazy weather
(13:35):
we've been having, we were dealing with a lot of
different claims, a lot of different amounts, and a lot
of different places, and we've taken on now handling more
of that here at the branch than we have. But
that's just out of necessity based on the current circumstances.
Speaker 1 (13:47):
And I like working with the.
Speaker 2 (13:51):
People and hanging out and I hate that I have
to deal with them under these circumstances. But I'm learning
and we see what's going on. But something else that
we were talking about last week and what we need
to be aware of is is credit. And a lot
of people. I talked to somebody this week and she goes, oh,
there's an application, and she said, well, so and so
(14:11):
has already pulled my credit.
Speaker 1 (14:12):
And I said that's fine.
Speaker 2 (14:13):
I said, you have a two week window where you
can have mortgage credit report pulled on you and it
won't affect your score. And it won't. That's really the
way it works. And so you know, I said, we
will pull one, but it's not going to hurt you,
and it didn't. So people, you know, don't be afraid
to get out in the shop and make sure you
(14:34):
know what's going on. I mean, I see some crazy
closing costs, and Tim, you and I talk about it,
and the claim to fame on her refinances of this
say no out of pocket, no out of pocket, but
you might borrow fifteen thousand dollars more than what you
owe to cover the closing costs. And that's not what
we're going to do in here, so you're losing equity
and that keeps people from wanting to do these things.
But for nine hundred and fifty eight bucks, you can
(14:55):
do a refinance in here, and you know, all things considered,
there are no delivery fees. But just for a standard refinance,
we can do that and that covers the appraisal, little
title work, everything, including an eight dollar recording fee for
the new mortgage. And so you don't have to have
a big rate drop to break even when you're spending
(15:16):
that type of money for a closing costs, plus you
got a couple of months without making a payment. We
structure it right. We've had some people coming in. We're
doing some consolidation. You don't putting them all into one mortgage,
and sometimes it's a rate increase to them and sometimes
it's not. But we've been creating some cash flow and
some other stuff. Richard, I appreciate you stopping in business
(15:36):
with us. I'm glad to have you on board. We'll
get let every brady know again what's your phone numbers
because you've been a business for a minute.
Speaker 4 (15:42):
Thanks for having me on again. That'll go deliver kids
to baseball trips. Phone numbers eight, five, nine, six, two, one, one,
seven to two.
Speaker 1 (15:50):
Love to hear from any of it.
Speaker 2 (15:52):
Yep, we appreciate your stoff and NB safe. Have a
good weekend. I understand the kid business. Thanks for being
in here this morning and chatting with us. Welcome to
the family. Come to the family. So thank you, Richard.
To have a good one. Have good weekend, buddy. So
you have Richard Klaunch. I'm glad to have him. But
we've known Richard for a long time. He knows the
business and got a lot of good connections and those
those people, and if you're familiar with him, just give
(16:14):
him a call. He's just we're still doing the same thing.
He just got to a new place to hang his hat.
Like I say, what is there? Hang your hangishing once again.
It's it's a long officer that has many, many years
of experience.
Speaker 1 (16:27):
I learned a lot from Richard.
Speaker 3 (16:30):
As I ventured into my career, and I think he's
a great addition for us here and uh brings his
own uh you know, disciples of lts and now they'll
he'll go back to the drawing board, say here's.
Speaker 1 (16:46):
Educate right and and not selling.
Speaker 2 (16:48):
When he came on board, and there shouldn't be any
place that he's going to go where there's going to
be anybody angry with the fact that he's here.
Speaker 1 (16:54):
I mean, we do a good job. We do one
thing we do really good at it.
Speaker 2 (16:57):
That's mortgages, and we don't do boat loans, carl loans
or note los anything we're selling in here's.
Speaker 1 (17:02):
A program that fits your needs. And you know, we've
got all the lures.
Speaker 2 (17:06):
And the two in the fishing and the fishing and
fishing tackle for him to consider as far as things
he can throw out there. But f H A v A,
Community Housing KHC. You know, we got our in house
money we've talked to this week. You've got some couple
of people considering possibly doing a bridge loan, you know, Tim,
and those are handy for people that are equity rich
(17:28):
and they're shopping and before they get their house committed
out on a sale, they can use a bridge loan
product to get some things done and that's pretty handy. Hey,
we're gonna take another break your listen. Welcome Home Show
by Guardian Savings Bank, open to day from nine to
one one numbers eight five, nine, eight, three six. We're
gonna get Jay Edwards on the phone. He's on the
stage today from one to four over Cocktails, Bar and Grill.
(17:51):
The recording artists out of Nashville. Him and a man
Cruder be hanging around. We're gonna call the Billy Springs
pre party. We'll be right back to this Welcome On
Show by Guardian Savings Bank on News Radio. See you
right that you're back list of Welcome Home Show by
Guardian Savings Bank. Tim Adams, Larry Frake' sitting here with
us Staturday morning. Banks open to day from nine to one.
Phone numbers eight five, nine, eight nine nine, one nine
(18:13):
three six. Southland Drives eight five nine two six three
three three three five. So if you can hear, if
you can call us talking about it early six point
seventy five percent on a thirty year fix. We still
got our five point eight seven five on a fifteen
year fix, and that's five hundred dollars in closing costs.
That'll be about it other than nescros. So if you
want to save some money and put something together, we'd
(18:34):
be glad to talk to you about that. And we've
been talking about the event this afternoon one to four
over at Cocktails over on Todd's Road. Got Nashville recording
artist Jay Edwards in town, his friend of Man Russell,
and we finally got Jay on the phone, so we're
gonna talk to him a little bit, so if he
can get some stuff, you know, let us hear a
little bit of the new stuff he's been working on.
(18:54):
He's written a lot of music for a lot of
different people, and that's what he does for a living. So, Hey,
how you doing, buddy, Man?
Speaker 1 (19:02):
Doing good?
Speaker 5 (19:03):
How about y'all?
Speaker 1 (19:03):
We're doing good, man.
Speaker 2 (19:04):
We're excited to see you this afternoon over here at Cocktails.
Glad you're coming in. I guess it's kind of a
little pre uh billy strings party. I guess people are
coming in town to hear him. They want to hear
some good old country music and get a good show
in this afternoon, get some good food, some good drink
prices for they head down to see him. You can
stop in over here Cocktails over on Todge Road and
see j and Amanda and get you some good stuff.
(19:27):
But hows the music writing and everything going?
Speaker 1 (19:29):
Man? You're staying busy. Yeah, we're on the road.
Speaker 5 (19:32):
It's so me and Amanda Prut's doing some stuff here
together right now, and uh uh got another weekend of
that and then we're uh I'm back on the road
in July, heading out to man everywhere Sturgis and and
uh Nebraska and Wisconsin, Iowa.
Speaker 1 (19:50):
So that's uh, we're ripping and running. Brother. Yeah, that's good.
Speaker 2 (19:55):
I'm glad you're gonna make you a little stop here
in Lexington on Joyce and you we've known each other
for a minute, but I know you been writing a
lot of good music. You got the can you can
you give the people a little bit of an idea
of what they might hear today and and let us
hear a little something. You tell us a little bit
about it.
Speaker 5 (20:10):
Yeah, man, Yeah, it's you know, it's all right, uh
that old school country and uh little little southern soul
on it. It's not the new the new boyfriend type stuff,
but it's it's really stuff that people can identify with
and relate to and just normal every day working folks
can got to get in on and say, yeah, that's
(20:31):
that's what I was trying to say right there.
Speaker 1 (20:32):
Yeah, well, let's hear a little.
Speaker 6 (20:33):
Bit of it, you know down Stoma, no shine of
salts down Horn just to bust it.
Speaker 1 (20:40):
On wrong out.
Speaker 6 (20:41):
Along trying to find my horse, stole my boots and
the river not slipping tho the river on all ands
lore we get doing a whole we'll come tack coming out.
Speaker 2 (20:58):
Day. So that's that kind of a banger right there.
I mean, is is that anything you released yet?
Speaker 5 (21:03):
No, but we're on it. We we held onto it
for a little while. I thought, Uh, I thought a
few of my friends were gonna cut it, and then
uh we thought maybe might get a cut with Brentley
Gilbert or a few others, and and uh.
Speaker 1 (21:16):
It's it hasn't been picked up yet.
Speaker 5 (21:18):
So people have even radio stations were calling me saying, hey, man,
when can I get that song? I'm like, well, I
might as well go ahead and put it out and
release it myself, and uh, you know, we'll we'll see
what I can do with it.
Speaker 1 (21:30):
Yeah.
Speaker 2 (21:30):
A little bit of people hearing here, a little bit
of that afternoon for one to four, Like what else
you got up your sleeve? Here?
Speaker 1 (21:35):
Let's hear something else. I must be drinking o now
I've now anywhe figure out who the who is of
this crowd?
Speaker 6 (21:50):
Al must be a.
Speaker 2 (21:51):
Drinking now now, James, that's a good one too, So
I mean, obviously that's a song about hanging out in
the bar and somebody going over some mere what what's
had you come up with that? What's the storyline there?
Speaker 5 (22:03):
Well, that's that's me and Jamie Adamson writing that man.
And and that one's uh, that one we haven't even
we don't even have plans for right now. We're just
kind of still pitching it and hanging on to it,
see what's going on. But and so it's a cool
little song. You know, somebody uh sitting in a in
a venue or a ball or something that says kind
(22:24):
of like, did I say that out loud? And and uh,
we started thinking about it, said, I must be drinking
out loud.
Speaker 4 (22:30):
You know.
Speaker 5 (22:30):
It's so everybody knows what's going on with me, so
it might be in my actions, and you know, actions
speak louder than the words. So it's uh kind of
along those lines, and I must be drinking out loud.
Everybody can hear what's going on inside.
Speaker 2 (22:46):
And a lot of people do that, not even thinking
they're all in there for the same reason. It sounds
like and uh, everybody, you know, it's the writing's on
the wall, I guess so that's a that's a pretty
cool give us a little taste of one. More so
people getting idea, what's gonna hear this afternoon?
Speaker 7 (23:01):
It gets time to clean the team from henty Donalds
and between masas is even worse us working a.
Speaker 8 (23:14):
Colonel im in time to tell you how is on?
Ever leave and reach and for rees to hang on?
What's hanging home?
Speaker 2 (23:34):
When I started counting on man, well, that song right,
there's kind of deep jay. That's a that these are
all new songs that ever have been released. So what's
the what's the what's the storyline on that one?
Speaker 5 (23:47):
What you well? That is.
Speaker 1 (23:51):
That's a little song that uh I wrote and with
a friend of mine.
Speaker 5 (23:56):
We we don't put on the last record, but we
got a call somebody was interested in it and a
big time artist, and and uh I thought, well, okay,
we'll all take it off the record and wait on
it a little bit. And then uh they never called
us back, which is kind of the story of my career.
You know, they never called me back. But we decided
(24:16):
we just go ahead and cut that and release that too.
So we've got we've got a couple of them that
are on uh to set to release, and I'm just
gonna put them out as I've got an album that
I'm redoing, it's coming out real soon. And these singles
that we're putting out. And then once, h once I
get a handful of singles that are uh ready to
(24:38):
go out, I'll just put them on a compilation CD
while we're working on another album. I'm just gonna put
some stuff out. We're just gonna be putting every direct direction. Man,
it's gonna be on the all kinds of platforms and
and uh get out here and rip and run and
run around the country and play these songs.
Speaker 1 (24:53):
Yeah.
Speaker 2 (24:54):
And when people when you look up Jay Edwards after
the show today and you find them on Spotify or whatever,
it's just Jay, not Jay, but it's just Jay Edwards.
And I know I've got all of these stuff marked
up on Spotify and we're and then you're just on
every music platform I guess, aren't you.
Speaker 5 (25:09):
Oh yeah, yeah, nine nine point nine nine percent of
all of them. I don't know which which zero one percent?
We're not all, but all of them.
Speaker 1 (25:21):
I got you how long you know? How long you
been writing music?
Speaker 2 (25:24):
I mean, what inspires your what's the you know, like
like me, and you know, like I like to write
a poem, and I don't know if they may could
ever put any music to them, But I mean, how
do you how do you get a good, good song
put together?
Speaker 5 (25:34):
Well, first of all, I've been writing since I was
about nine years old. I wrote the first of the
song with a little gospel song with my tep of
my mom. But when I was nine and uh, I
then writing my whole life. It comes from different places,
I used to, I think I when I first started writing,
I started or I guess writing in school when you
(25:56):
had to write stories and things and personal experiences. That
didn't ever really suit me because it seemed like somebody
was always laughing at my story. So I thought, well,
I'll tell you what I'll do. I'll write somebody else's story.
And that's why I do in my songwriting. I look
out there and I see somebody else going through something,
and I think, well, what would they be thinking? And
I write down that, that idea, that concept, and then
(26:21):
I just kind of go with that, And that's why
I try to treat my music and hopefully at the
end of the night, somebody walks up and says, hey,
that's what I was trying to say, and you know,
so we just sometimes it's a hook, sometimes it's a concept.
Sometimes it's a riff or a little little groove, and
I think, well that right there, just it feels like
(26:43):
it says there's a whole lot of nothing going on.
Something ain't right.
Speaker 1 (26:46):
So yep, he just flow with it.
Speaker 2 (26:49):
You play all over Nashville down there, and I know
you have been doing it for quite a while, so
people want to find you. I mean, you've got a
Facebook page, You've got all that, and uh yeah, your
philosophy in Nashville. The way I understood that what we
were talking earlier is is you play all your songs
and if somebody comes up, and and it's come up,
somebody comes says, I want you to play Bob Seeger.
(27:09):
I mean that's not that's not what you play your stuff.
Speaker 5 (27:12):
Yeah, I played mine. I say, hey, I got a
song that I wrote for Bob Seeger. And then I say,
he never called me back, but I wrote it for him.
And I play one of my songs. I've been doing
it for ten years, man or more than, on Broadway
and Second Avenue and all across Nashville, playing all originals.
They told me I couldn't do it hadn't been done
in thirty five years, and I just I said, well,
(27:33):
I think you're missing the mark. And I started playing
my originals and the tourists come to town and say, man,
it's the first original song I've heard since we've been
here for eight days.
Speaker 1 (27:43):
And were having a blast.
Speaker 5 (27:44):
I mean, it's it's crazy. We play places like the
food court up there on Fifth and Broadway, and that
that may look kind of funny on your resume, but
same time we're reaching you know, hundreds or thousands of
people and they're just sitting there listening to us. And
then they call say, hey, you want to come to Houston,
or you want to come to Michigan, Sure let's go.
Speaker 1 (28:06):
So it could be done, you know.
Speaker 5 (28:09):
I just it's right now. Nashville is just in this
deal with it's all the request lines and even if
I don't know your song, I'll learn it in thirty
seconds and I'll give you a crappy version of your
favorite song and you give me thirty dollars, you know,
And that's that's not the way I do things. And
I go in in tell them, say, I'll tell you
what we'll do If you don't like this, if you
(28:30):
don't think this sounds enough like a Chris Tableton song,
you just come down and get your tip by the
tip jar, and you know it's all fine by me,
and I play my own music.
Speaker 2 (28:41):
Yeah, And then you're gonna be one to four this
afternoon with Amanda Fruits Cocktails Bar and Grill, thirty ninety
Old Todds Road. They got great food over a great drinks.
If you're in town for billy strings, you were here
last night, you're gonna go again tonight, or you're coming
to town. It's a great place to come. List of
some good Nashville original music at cock Tails Bar and Grill,
And from one to four they'll have the doors open
(29:04):
and plenty of room for everybody to come in there
and hang out and visit. And Jay he'll, you know,
he'll you'll have a little bit of merch and some
other stuff. But I'm known Jay for a while. So
if you want to meet a good guy and have
a friend for life, stop in there this afternoon for
one to four, see what he's about, you know, and
take on some good original music.
Speaker 1 (29:22):
And and he does an old school way. But you
heard these songs a little bit.
Speaker 2 (29:26):
You can see a little bit about what he's writing
on and if you enjoy that type of music, and
I know a lot of people do, come out there
and see this. You can sit outside, you can bring
a lawn chair if you need to. But you know,
come on down and check us out and we'll see
what's going on.
Speaker 1 (29:40):
Jay Man.
Speaker 2 (29:41):
Be safe traveling, yes, sir, you know, but this afternoon
we'll see you down there one to four at cocktails.
I guess we'll call it the Billy Strings pre party
and we'll have a good time.
Speaker 1 (29:52):
So hey, we're gonna take a break. Your listen to
Welcome Home Show by Guardians Eavis.
Speaker 2 (29:56):
Bank over to day from ninety one when he's eighty
five nine eight nine nine one three six. You listen
to us on news Radio sixty. Don't use lap. Listen
a little bit more Jay's music rare.
Speaker 6 (30:09):
I've the lad.
Speaker 1 (30:13):
You're back listening to Welcome Home Show about Guardian Savings Bank.
Speaker 2 (30:15):
Tim Adams are your freak's in here and we appreciate
Jake letting us get hit him on the phone and
chat with him a little bit. And uh yeah, telling
you this afternoon from one to four Cocktails Bar and
grill got great food. If you're in town to see
Billy Strings, or you're heading this way and you want
to see some good original country music, him and.
Speaker 1 (30:33):
A man will be over there.
Speaker 2 (30:35):
It's thirty ninety Old Todd Road Cocktails, Bar and Grill. You'll,
I promise you it'll be a treating. Just like Jay said,
he's not gonna have any covers. He's gonna play all
original stuff. And it's got a little taste of it
there in that session. And good guy, good friend, you
have a friend for life. Why don't you catch him?
And you can find him on if you want to
find out what you're gonna hear, look him up on.
Speaker 1 (30:53):
Spotify or wherever.
Speaker 2 (30:54):
And it's just Jay, Jay, Jay Edwards, just Jay, and
you can find him about itwhere So he's a good guy.
So stop after the scene today if you want to Ben,
Tim willbi over signing autographs and Tim, you're buying from
what one to one fifteen?
Speaker 1 (31:10):
That's right.
Speaker 2 (31:11):
So anyhow, and there's a lot of people in town
to see Billy Strings. He was here last night and tonight,
so amazing the artists there, and he's own right, and
I've got a lot of stuff going on, So keep
in mind six point seventy five on a thirty year fix,
six point three seven five on a twenty five, eight
seven five on a fifteen In here, be glad to
talk to you about it. Got a lot of people
(31:32):
in here doing a lot of different things. Talked about
bridge loans, talk about just refinancing, do a cash out refinance,
consolidating bills, and putting things together. So if you can
hear as, you can call us man. We'll help you
out if we can. Eight five nine eight nine nine
one nine three six. Just keep that in mind, says,
listen to the radio show, and I might not catch
you guys at cocktails today with Jay, but I would
talk to you about a mortgage. Been waiting for a
(31:53):
Saturday where we didn't have a whole lot of rain.
And I know he's got a lot of people out
doing stuff. So that's what I said. That's why we
call this the Billy String pre party. That ain't saying no,
he gonna be around. It ain't saying he won't, but
you know, it's just, uh, we're just trying to make
an event out of it. Since Jay's coming to town,
we'll have some fun with him and Uh, it'll be
a good time. And like I say, they've got good
food and stuff over. They got to have a patio
open and and be a good show. Uh, and there
(32:16):
would be no breaks. They will play for four straight hours.
So when you come over it and gonna cost you
dime to get in, just come over, throw something in
the tip jar, buy a shirt, buy a CD or
what have you. Help them guys get on down the road.
I think they're headed out to Ohio after that. And
like I say, he's getting ready on tour. He's going
to sturge us and uh got a two or three
week little run. He does it, you know, many times
a year.
Speaker 1 (32:36):
So just a great guy and all original music.
Speaker 5 (32:39):
Man.
Speaker 1 (32:39):
It ain't ain't nothing.
Speaker 2 (32:41):
You ain't gonna he hi cover anything, but it's songs
that you'll be able to appreciate and have a good
time with. And anyhow, we're I appreciate you guys listening
to They give us a call eight five nine eight
nine nine nine three six South when is eight five
nine two six three three three three five, So just
you know, give us a call, see if we can
put something to get for you, and hopefully these rates
(33:01):
will go down. But like I say, marry the home
date the loan. We had people rolling along and everybody's
kind of adjusting into what these rates are. And Tim
already mentioned there's thirty percent less applications for home construction.
There's thirty three percent more homes on the market right
now than there were last year at this time in
this area. So it's it's time to start, you know,
thinking about what's holding cargo to build as many houses
(33:24):
because inventory is on the rise and the cost of
building with rates me and what they are is going
to over a period of time, is you know, going
to take its you know, take its tolls. So it
will help you if you just let us know what
it is, just good and we'll put a plan together.
If it can't do anything, now we'll know what we
got to do to get you there. And a lot
of good realtors out here. You here, Woody on the show. Hey,
next Friday, Now we got the NFL Hall of Fame induction,
(33:47):
So keep that in mind. We talked about that quite
a bit. You can find out online how to store
all that out. And it's a good opportunity to get
out and meet some people. I think Jim Daoppolos and
who all wasn't going to get inducted this next Friday.
Speaker 1 (34:01):
I can't remember, Kim. We talked about it earlier.
Speaker 3 (34:03):
Go online and look at the roster of the andy.
Speaker 2 (34:07):
It's it's the Kentucky n FL Pro Football Hall of
Fame is the website, I believe. And like the stories
they tell ye how they got where they're at, some
of the things that happened on the teams they were with,
some of the people that we may know that they know.
Speaker 1 (34:23):
And it's a good time. And I'm sound that we
tell we don't know, Yeah, and so I'm looking forward
to that.
Speaker 2 (34:29):
So, you know, just keep there's some good stuff going on,
and and and the and these guys that that that
NFL group, their money goes for foster care. Anything that
they do and they make money from it goes to
help the foster care people. So it's it's not you know,
it's not a profit center at all. And then Bob
Brown House here in Lexington, keep them in mind if
(34:51):
if you want to check out with them and see
if there's anything you could help them with. There's a
lot of people out here. Can you some help right
now that are helping other people and keep that in
and what else is going on this weekend? Tim finally
got some sun. There gonna be a lot of people.
Speaker 1 (35:03):
At the lake. Kay.
Speaker 2 (35:04):
If you're listening to the show. On the highways in Kentucky,
the left lane is for passing.
Speaker 1 (35:10):
You're blaker.
Speaker 2 (35:11):
Lets people know when you're gonna move left or right,
and if you're going around somebody, get around them and
get out of the way because a lot of people
get down here Tim the Ohio Navy, and then they
want to ride that left lane and traffic gets backed
up and then everybody's you know, get all that stuff on.
So hey, pay attention to what's going There's gonna be
a lot of people aroundtown.
Speaker 1 (35:28):
Billy Strings.
Speaker 3 (35:29):
Last thought I have with this warm front coming through,
please make sure you stay hydrated.
Speaker 1 (35:36):
We have a lot of heat exhaustion death across the country.
Window when it gets this hot, make.
Speaker 3 (35:42):
Sure you're finding shade and drinking plenty and plenty of
water because that's key to maintain your health and.
Speaker 1 (35:51):
Take care of your pets.
Speaker 2 (35:52):
Anyway, we're gonna be back next Saturday. We appreciate you
tuning in and listen to us. Appreciate Richard for joining us,
Jay Edwards for taking our call once again. They'll be
over Tod's Road this afternoon. T Tales from one to
four pre pre party. Billy Strange, that's what we're calling it. Anyway,
be back next week. Give us a call if we
can help you with your Morgan situation eight five nine,
eight ninety nine one nine three six And Tim Adams,
(36:12):
I'm Larry fraid you may listen. Welcome home to him
my guardian saved me the Banka on news radio Storry
w I come see this and cocktails.
Speaker 1 (36:20):
We'll be back next week, will you
Good morning Lexington.
Speaker 2 (00:05):
Your listen to Welcome Home show about Guardian Savings Bank
very freaks. Tim Adams in here with you this Saturday morning.
Bank open to 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 1 (00:21):
So if you can hear so you can call us.
Speaker 2 (00:23):
Still six point seventy five percent on a thirty year fix.
We're five eight seven five on our fifteen year and
that's five hundred dollars closing costs and no delivery fees
or anything like that. So other than your escro setup,
if that's what you're gonna do, that's pretty good closing costs.
So keep those things in mind. And market had some
you know, been all kinds of news and all kinds
(00:44):
of meetings going on this week, but there's you know,
really not a whole lot of action in the bond
market that's helping us get these rates lower. But we're
we're fighting it. We're trying to see what's going on.
Speaker 1 (00:54):
But Tim, we're.
Speaker 2 (00:54):
Still taking applications and making things happen. But we've been
taking applications, got a lot of stuff going on we're
just trying to keep moving forward with it. And we
you know, I tell Tim, we talk about all the time,
marry the home and date the loan. The lower of
these rates go, the more competition you're going to have
in trying to get a home bought. And you pointed
(01:14):
out last week ten that there's thirty three percent more
homes on the market and thirty percent less bills, so
you know, so that's going to supply and demand. You know,
so there's going to have some issues, you know with that.
So call us eight five nine, eight ninety nine one
nine three six, let us get your pre qualified, let
us take a look at it.
Speaker 1 (01:33):
You know, we've got some other programs.
Speaker 2 (01:35):
We've got FHA, ba USDA, we've got the Home Possible program,
and yeah, we've got good stuff. But we're six point
seventy five on a thirty year, fix six and three
eights on a twenty year and five eight seven five
on a fifteen. So get and call around to see
what other people are charge. We're going to be in
the game, and our closing costs are just really really
hard to beat when we service our conventional loans. I mean,
(01:57):
you know, I get I've talked to a couple of
people this week, and I've been working on insurance, you know,
claim we're doing with all the weather and all the
crazy stuff that's going on, and we you know, we
service these loans, so obviously the making sure the homes
get repaired back and everything's in shape, we're involved with that.
And I've learned a lot on that this week. And
one of the crazy things that I have, I don't
(02:20):
know if we talked about last week or not, but
it was the FEMA coverage and got the guy that's
got a claim and he's working on that. He bought
a little home down on the river, and obviously being
around the river, you might expect there might be a
problem every once in a while depending on what's going on.
But the policy he has, and I know there's different
levels of coverage on there, but it covers from the
(02:41):
floor joyce up and I was just as I learned that,
I was just like, wow, you know what I mean,
It's just the way the policy is. He couldn't have
got it any different way or any other way, but
anything below all the floora joyce he gets to take
care of. And you know, we were learning it together
and he's got to wear with all to get it done.
But I mean, and it's not like his regular home
insurance can step in and take over after the fact
(03:02):
that it's either a FEMA claim or a you know,
a liberty mutual claim or whoever.
Speaker 1 (03:07):
But but back to that FEMA budget.
Speaker 3 (03:10):
How in the world is a budget for FEMA when
it's unknown budget? How many the FEMA budget what they
have set aside for you.
Speaker 1 (03:19):
Know, he's paying for his insurance. He's got floods over there.
Speaker 3 (03:21):
But in general, how how does the government know how
much to appropriate for FEMA. Well, okay, we're going to
have ten hurricanes in you know, or around the country.
I mean, it's femas has as stretch. Stand my point.
Speaker 2 (03:36):
Well, I think that they're probably going to do away
with it anyway. Let it be stated in the state
operated or whatever. But it's I don't know what's going on.
But it's just that coverage himself was he could have
got it. I talked to the agent, you know, because
I'm learning, you know, this is all new to me,
handling these claims, and I said, he said, he couldn't
have got any other policy. And he said, I don't
care if he got it from Lloyd's of London, Mercury, Neptune, whoever.
(03:56):
He said, it's going to be the same coverage is
not much difference in price, but they're all the same.
And it's just, uh, you know, I'm learning on it.
But these insurance companies. I had guy that had insurance
that I was working with, they didn't send him a gesture.
So he takes a video of his house and pictures
of his house, sends us to his insurance company, and
then they tell him what they think it's going to
(04:16):
cost to fix it. I'm like, what, And that's a
well known that a SAFECode, you know. So so now
he's went in, you know, he's about fifteen thousand dollars
more than expenses for building his house back and just
to the same quality. He hadn't gone above board, ain't
done anything else. So now he's still got an open
claim and it's just, yeah, we're learning on it.
Speaker 3 (04:34):
But it's that offered him one eight thousand dollars for
a new AC system and.
Speaker 1 (04:41):
On this guy didn't have that problem.
Speaker 3 (04:42):
But really, now he should have been getting the twelve
thousand dollars HVAC they short changed on the claim.
Speaker 1 (04:51):
I remember you tell me about that. Yeah, well it's
because it's below gray.
Speaker 2 (04:55):
And then he's got to build back the code and
they don't cover him building back to because everything's changed
in his area. So, I mean, it's just crazy. The
other guy was one that sent his own video. They
didn't come and do any No, no adjuster showed up,
you know, just on his pictures and his videos is
how they tried to send him, you know. And he's
he's still got some open numbers and he'll get it
figured out anyway.
Speaker 1 (05:16):
That's kind of that's complicated. Well, we're learning as we go.
Speaker 2 (05:19):
But uh, and then you know, we've just had crazy
weather and different things happen. So the main thing is
we've worked on the moral stories. We service these loans.
That's from our closing costs are as cheap as they are.
We're helping these people get through it. There's more going
on than usual, just based on the weather patterns that
we had nothing too awful bad and and you know
what this part of what we do, tim you know,
(05:41):
I mean, once they get in the family, we'll keep
him in here and take care of them, make stuff happen.
Speaker 1 (05:45):
And I'm learning.
Speaker 2 (05:47):
I just haven't I've had several different cases in here,
and and I tell all everybody that I'm working with, hey,
I'm I'm just learning. It's new to me, so I'm
just trying to put it together. And they understand and
they'll help me.
Speaker 1 (06:00):
But wouldn't you agree we've had more than our share of.
Speaker 3 (06:05):
You know, acts of God around Well, sure, that's why
there's that's why what we had to start.
Speaker 2 (06:10):
Hearing it at this level, and that's why we had
to start doing at this level. I mean's there's just
so many different roof claims and and this, you know,
just just different stuff with crazy weather and but if
you want to deal with the local bank, be local
by local and stay local. And that's exactly what we
do here at guarding. I tell people all the time,
(06:30):
you know, that's that's kind of what you're getting in
our closing costs. You're gonna have a hard time beating them,
and we're here to help you and we'll help take
care of these things. So keep that in mind. We've
got a new loan officer on board with us, Richard Klaunch.
He's been around town doing blowns for quite a while
and he's set in with us for a second, and uh, well,
I just wanted to get him on here so that
if anybody's wondering what's going on where he may be
(06:51):
that Richard, We're glad to have you on board and
got some good stuff going on and hanging out. But
you know, let this if you want to say, you know,
people can reach out to you. I guess most people
have yourself on them, but like they do mine, you
know they do, they do. But thanks for having me in.
Speaker 4 (07:08):
You know, I've always listened to the show around town
Friends with ten for years, Larry for some time, you know,
a drive around on Saturday morning and listen to the
show myself. So now I'll get to see where the
magic's met.
Speaker 2 (07:21):
Yeah, I get to see where the magic happens. And
on Saturdays, man, there's there's crazy stuff going on. But
the ms from you know, much experience with Amari first,
so some Lextons might recognize, but.
Speaker 3 (07:35):
They were there for how long were you there? Mortgage
the most that and then America first, right, but yes,
I took his seat. That can thank you, orage and
we'll call that the wild West of lending back.
Speaker 1 (07:47):
Then, Well, we're.
Speaker 2 (07:49):
Glad to have you on board, and I just wanted to,
you know, get in here. People can hear and and
uet if you know, if they want to reach out there.
I mean your cell phone is you're still ready to
roll with that. And we're doing you know, conventional financy,
all the same stuff you've been doing.
Speaker 1 (08:03):
You just did. Just got your hat hanging on a
different stick.
Speaker 4 (08:06):
All right, So reach out to me at eight five
nine six you got any questions or want to know
more about what we're doing over here, Richard.
Speaker 2 (08:14):
How many years have you actually been doing moltgages going
on thirty one? Wow, that's about almost many, Pinky, and I've.
Speaker 1 (08:20):
Been doing it.
Speaker 2 (08:22):
He brought me under uh his wing, he did. Yeah, yeah,
now you got him under your wing. But we got
some a lot of experience in here, and we pride
ourselves on that. We talked about all the time. As
the market changes. You know, we've not lost anybody. Actually,
you're coming over here in a time when you know
rates are you we've all sold him at higher yeah,
(08:42):
and when they were low, they sold themselves. But I
mean we have have had about the same eight people
here in Lexington for a long time. We're proud of that.
We're glad to have you come and join us, and
you've been doing loans for quite a while. And Richard
just you know, uh, very very well attuned and in
tune with v A faha and a lot of those things.
Speaker 1 (09:02):
And so we just we're not reinventing the wheel, like I.
Speaker 2 (09:06):
Say, you just got a new place to come in
and hang your hat and still do business.
Speaker 1 (09:12):
Thanks for having me in, guys.
Speaker 3 (09:14):
Yeah, well, Richard understood our business moodel. You know from
the get go how we are structured in the event
that we take the payments for Freddie Mack and we
are services so that you know, he knows better than
me that some people say, well, who's going to.
Speaker 1 (09:32):
Service with my loan? Yeh, yeah, I get it correct.
Speaker 2 (09:34):
We have about three and a half billion with a
B in servicing. So people make their payments to Guardian
and they can drop them off in the drive through
here at Guardian and we're trying to make things happen.
And like I said, we get phone calls about all
kinds of stuff. Right now, we're helping people with insurance,
but we have well, you know, whatever the circumstances may be.
Speaker 1 (09:55):
It could be you know, taxes.
Speaker 2 (09:58):
They might have a question about their taxes and Richard
Digger and call and say, hey, you know, I saw
all change here.
Speaker 1 (10:03):
My bills changed, and it's it's not the payment.
Speaker 2 (10:06):
You know, the rate and interests are still the same,
but it's your your taxes or your entrance have changed.
And people will call and and they'll reach out to you.
And that's what I like about it.
Speaker 1 (10:14):
Man.
Speaker 2 (10:15):
It's just be local by a local and stay local,
and people can come into branch, they can make a
payment in here, and uh, you know we still you know,
it's I like it. And now I was telling you
the other day when we were chatting it. You know,
I'm doing loans for people's kids that I did loans
for I've been here long enought that.
Speaker 1 (10:31):
You know.
Speaker 2 (10:31):
The other kids are mine homes and they have enough
confidence in us and they bring us in and and
and it's a kind of a cycle of life, I guess.
You know, everything keeps going and they trust you and
they want to work with you just as you well know.
And that's what it's about, having some integrity and getting
things done you say.
Speaker 1 (10:49):
You can do.
Speaker 2 (10:51):
And it's, uh, there's so much of a different process
in here than anyplace else.
Speaker 1 (10:56):
No, not at all just a matter of how it's
handled on the backside.
Speaker 4 (10:59):
And and and the rates and the closing costs.
Speaker 2 (11:03):
Yeah, and and are closing a lot of people, they
how do you do your closing costs? SOT, And you
got to have prepayment pilling. We don't have any prepayment penalties.
You don't have to have a check in or savings
county in here, although we offer all of those things.
And so you know, we just try to make sure
that we keep everything that we can conventionally and our
in house money, our adjustble rate mortgages we keep at
h A V A USDA Kentucky House and those are
(11:25):
loans that we don't service. So we'll take care of,
you know, about anything that we get from you. But
we do owner occupied non owner occupied farm loans. We've
got about all the products we can, but we don't
do boat loans, note loans, car loans or anything like that.
Speaker 1 (11:43):
We just do our regular stuff.
Speaker 2 (11:45):
So once again, six point seventy five on a thirty
year fix, six point three seven five on a twenty
five eight seven five on a fifteen and you know
we'll go from there. Hey, we're going to listen to
some music on today's show from Jay Edwards, and he's
going to be at cocked Els a day from one
to four. We're gonna call it the Billy Strings pre
Party for everybody in town to see him. If you
want to hear some good original country music, just an
(12:07):
acoustics show with him and Amanda Pruitt one to four
cocktails over here on Todd's Road.
Speaker 1 (12:13):
Great food, good drinks, you good times.
Speaker 2 (12:15):
You want to come out before you go down to
see the show, or if you're in town and you've got
something to do today before you've gone to the Vy show.
So we'll get him on the phone here a little bit.
We're gonna take a break. Your listen to Welcome Home
Show by Guardian Savings Bank on News Radio six point thirty.
Speaker 1 (12:28):
Right here the home along at w lav We'll be
right back.
Speaker 2 (12:33):
You're back listening to Welcome Home Show by Guardian Savings Bank.
Sid Adams, Larry Freak and Richard Claunch in here with
you this Saturday morning. The bank is open today from
nine to one. The phone number is eight five nine
eight nine nine one nine three six. Southland Drive is
eight five nine two six three three three three five.
So if you can hear as you can call us
(12:55):
talking a little bit about some of the different rates
that we've got six point seven five on a thirty
year fix, six and three eighths on a twenty year,
six point three seven five, five point eight seventy five
on a fifteen year fix, So keep that in mind,
and closing costs are still in check.
Speaker 1 (13:12):
We used to do two fifty four refinance.
Speaker 2 (13:14):
Five hundred for a purchase, but now, tim what of
the nine fifty eight I think for all of a
sudden done the eighty dollars recording beed, So you're still
going to get a fair deal on closing costs. And
we service the loans. We talk about servicing the loans
and so on and so forth. So we're talking a
little bit about some of the different insurance stuff we
have going on, and we get to see a lot
of it. But now with all of the crazy weather
(13:35):
we've been having, we were dealing with a lot of
different claims, a lot of different amounts, and a lot
of different places, and we've taken on now handling more
of that here at the branch than we have. But
that's just out of necessity based on the current circumstances.
Speaker 1 (13:47):
And I like working with the.
Speaker 2 (13:51):
People and hanging out and I hate that I have
to deal with them under these circumstances. But I'm learning
and we see what's going on. But something else that
we were talking about last week and what we need
to be aware of is is credit. And a lot
of people. I talked to somebody this week and she goes, oh,
there's an application, and she said, well, so and so
(14:11):
has already pulled my credit.
Speaker 1 (14:12):
And I said that's fine.
Speaker 2 (14:13):
I said, you have a two week window where you
can have mortgage credit report pulled on you and it
won't affect your score. And it won't. That's really the
way it works. And so you know, I said, we
will pull one, but it's not going to hurt you,
and it didn't. So people, you know, don't be afraid
to get out in the shop and make sure you
(14:34):
know what's going on. I mean, I see some crazy
closing costs, and Tim, you and I talk about it,
and the claim to fame on her refinances of this
say no out of pocket, no out of pocket, but
you might borrow fifteen thousand dollars more than what you
owe to cover the closing costs. And that's not what
we're going to do in here, so you're losing equity
and that keeps people from wanting to do these things.
But for nine hundred and fifty eight bucks, you can
(14:55):
do a refinance in here, and you know, all things considered,
there are no delivery fees. But just for a standard refinance,
we can do that and that covers the appraisal, little
title work, everything, including an eight dollar recording fee for
the new mortgage. And so you don't have to have
a big rate drop to break even when you're spending
(15:16):
that type of money for a closing costs, plus you
got a couple of months without making a payment. We
structure it right. We've had some people coming in. We're
doing some consolidation. You don't putting them all into one mortgage,
and sometimes it's a rate increase to them and sometimes
it's not. But we've been creating some cash flow and
some other stuff. Richard, I appreciate you stopping in business
(15:36):
with us. I'm glad to have you on board. We'll
get let every brady know again what's your phone numbers
because you've been a business for a minute.
Speaker 4 (15:42):
Thanks for having me on again. That'll go deliver kids
to baseball trips. Phone numbers eight, five, nine, six, two, one, one,
seven to two.
Speaker 1 (15:50):
Love to hear from any of it.
Speaker 2 (15:52):
Yep, we appreciate your stoff and NB safe. Have a
good weekend. I understand the kid business. Thanks for being
in here this morning and chatting with us. Welcome to
the family. Come to the family. So thank you, Richard.
To have a good one. Have good weekend, buddy. So
you have Richard Klaunch. I'm glad to have him. But
we've known Richard for a long time. He knows the
business and got a lot of good connections and those
those people, and if you're familiar with him, just give
(16:14):
him a call. He's just we're still doing the same thing.
He just got to a new place to hang his hat.
Like I say, what is there? Hang your hangishing once again.
It's it's a long officer that has many, many years
of experience.
Speaker 1 (16:27):
I learned a lot from Richard.
Speaker 3 (16:30):
As I ventured into my career, and I think he's
a great addition for us here and uh brings his
own uh you know, disciples of lts and now they'll
he'll go back to the drawing board, say here's.
Speaker 1 (16:46):
Educate right and and not selling.
Speaker 2 (16:48):
When he came on board, and there shouldn't be any
place that he's going to go where there's going to
be anybody angry with the fact that he's here.
Speaker 1 (16:54):
I mean, we do a good job. We do one
thing we do really good at it.
Speaker 2 (16:57):
That's mortgages, and we don't do boat loans, carl loans
or note los anything we're selling in here's.
Speaker 1 (17:02):
A program that fits your needs. And you know, we've
got all the lures.
Speaker 2 (17:06):
And the two in the fishing and the fishing and
fishing tackle for him to consider as far as things
he can throw out there. But f H A v A,
Community Housing KHC. You know, we got our in house
money we've talked to this week. You've got some couple
of people considering possibly doing a bridge loan, you know, Tim,
and those are handy for people that are equity rich
(17:28):
and they're shopping and before they get their house committed
out on a sale, they can use a bridge loan
product to get some things done and that's pretty handy. Hey,
we're gonna take another break your listen. Welcome Home Show
by Guardian Savings Bank, open to day from nine to
one one numbers eight five, nine, eight, three six. We're
gonna get Jay Edwards on the phone. He's on the
stage today from one to four over Cocktails, Bar and Grill.
(17:51):
The recording artists out of Nashville. Him and a man
Cruder be hanging around. We're gonna call the Billy Springs
pre party. We'll be right back to this Welcome On
Show by Guardian Savings Bank on News Radio. See you
right that you're back list of Welcome Home Show by
Guardian Savings Bank. Tim Adams, Larry Frake' sitting here with
us Staturday morning. Banks open to day from nine to one.
Phone numbers eight five, nine, eight nine nine, one nine
(18:13):
three six. Southland Drives eight five nine two six three
three three three five. So if you can hear, if
you can call us talking about it early six point
seventy five percent on a thirty year fix. We still
got our five point eight seven five on a fifteen
year fix, and that's five hundred dollars in closing costs.
That'll be about it other than nescros. So if you
want to save some money and put something together, we'd
(18:34):
be glad to talk to you about that. And we've
been talking about the event this afternoon one to four
over at Cocktails over on Todd's Road. Got Nashville recording
artist Jay Edwards in town, his friend of Man Russell,
and we finally got Jay on the phone, so we're
gonna talk to him a little bit, so if he
can get some stuff, you know, let us hear a
little bit of the new stuff he's been working on.
(18:54):
He's written a lot of music for a lot of
different people, and that's what he does for a living. So, Hey,
how you doing, buddy, Man?
Speaker 1 (19:02):
Doing good?
Speaker 5 (19:03):
How about y'all?
Speaker 1 (19:03):
We're doing good, man.
Speaker 2 (19:04):
We're excited to see you this afternoon over here at Cocktails.
Glad you're coming in. I guess it's kind of a
little pre uh billy strings party. I guess people are
coming in town to hear him. They want to hear
some good old country music and get a good show
in this afternoon, get some good food, some good drink
prices for they head down to see him. You can
stop in over here Cocktails over on Todge Road and
see j and Amanda and get you some good stuff.
(19:27):
But hows the music writing and everything going?
Speaker 1 (19:29):
Man? You're staying busy. Yeah, we're on the road.
Speaker 5 (19:32):
It's so me and Amanda Prut's doing some stuff here
together right now, and uh uh got another weekend of
that and then we're uh I'm back on the road
in July, heading out to man everywhere Sturgis and and
uh Nebraska and Wisconsin, Iowa.
Speaker 1 (19:50):
So that's uh, we're ripping and running. Brother. Yeah, that's good.
Speaker 2 (19:55):
I'm glad you're gonna make you a little stop here
in Lexington on Joyce and you we've known each other
for a minute, but I know you been writing a
lot of good music. You got the can you can
you give the people a little bit of an idea
of what they might hear today and and let us
hear a little something. You tell us a little bit
about it.
Speaker 5 (20:10):
Yeah, man, Yeah, it's you know, it's all right, uh
that old school country and uh little little southern soul
on it. It's not the new the new boyfriend type stuff,
but it's it's really stuff that people can identify with
and relate to and just normal every day working folks
can got to get in on and say, yeah, that's
(20:31):
that's what I was trying to say right there.
Speaker 1 (20:32):
Yeah, well, let's hear a little.
Speaker 6 (20:33):
Bit of it, you know down Stoma, no shine of
salts down Horn just to bust it.
Speaker 1 (20:40):
On wrong out.
Speaker 6 (20:41):
Along trying to find my horse, stole my boots and
the river not slipping tho the river on all ands
lore we get doing a whole we'll come tack coming out.
Speaker 2 (20:58):
Day. So that's that kind of a banger right there.
I mean, is is that anything you released yet?
Speaker 5 (21:03):
No, but we're on it. We we held onto it
for a little while. I thought, Uh, I thought a
few of my friends were gonna cut it, and then
uh we thought maybe might get a cut with Brentley
Gilbert or a few others, and and uh.
Speaker 1 (21:16):
It's it hasn't been picked up yet.
Speaker 5 (21:18):
So people have even radio stations were calling me saying, hey, man,
when can I get that song? I'm like, well, I
might as well go ahead and put it out and
release it myself, and uh, you know, we'll we'll see
what I can do with it.
Speaker 1 (21:30):
Yeah.
Speaker 2 (21:30):
A little bit of people hearing here, a little bit
of that afternoon for one to four, Like what else
you got up your sleeve? Here?
Speaker 1 (21:35):
Let's hear something else. I must be drinking o now
I've now anywhe figure out who the who is of
this crowd?
Speaker 6 (21:50):
Al must be a.
Speaker 2 (21:51):
Drinking now now, James, that's a good one too, So
I mean, obviously that's a song about hanging out in
the bar and somebody going over some mere what what's
had you come up with that? What's the storyline there?
Speaker 5 (22:03):
Well, that's that's me and Jamie Adamson writing that man.
And and that one's uh, that one we haven't even
we don't even have plans for right now. We're just
kind of still pitching it and hanging on to it,
see what's going on. But and so it's a cool
little song. You know, somebody uh sitting in a in
a venue or a ball or something that says kind
(22:24):
of like, did I say that out loud? And and uh,
we started thinking about it, said, I must be drinking
out loud.
Speaker 4 (22:30):
You know.
Speaker 5 (22:30):
It's so everybody knows what's going on with me, so
it might be in my actions, and you know, actions
speak louder than the words. So it's uh kind of
along those lines, and I must be drinking out loud.
Everybody can hear what's going on inside.
Speaker 2 (22:46):
And a lot of people do that, not even thinking
they're all in there for the same reason. It sounds
like and uh, everybody, you know, it's the writing's on
the wall, I guess so that's a that's a pretty
cool give us a little taste of one. More so
people getting idea, what's gonna hear this afternoon?
Speaker 7 (23:01):
It gets time to clean the team from henty Donalds
and between masas is even worse us working a.
Speaker 8 (23:14):
Colonel im in time to tell you how is on?
Ever leave and reach and for rees to hang on?
What's hanging home?
Speaker 2 (23:34):
When I started counting on man, well, that song right,
there's kind of deep jay. That's a that these are
all new songs that ever have been released. So what's
the what's the what's the storyline on that one?
Speaker 5 (23:47):
What you well? That is.
Speaker 1 (23:51):
That's a little song that uh I wrote and with
a friend of mine.
Speaker 5 (23:56):
We we don't put on the last record, but we
got a call somebody was interested in it and a
big time artist, and and uh I thought, well, okay,
we'll all take it off the record and wait on
it a little bit. And then uh they never called
us back, which is kind of the story of my career.
You know, they never called me back. But we decided
(24:16):
we just go ahead and cut that and release that too.
So we've got we've got a couple of them that
are on uh to set to release, and I'm just
gonna put them out as I've got an album that
I'm redoing, it's coming out real soon. And these singles
that we're putting out. And then once, h once I
get a handful of singles that are uh ready to
(24:38):
go out, I'll just put them on a compilation CD
while we're working on another album. I'm just gonna put
some stuff out. We're just gonna be putting every direct direction. Man,
it's gonna be on the all kinds of platforms and
and uh get out here and rip and run and
run around the country and play these songs.
Speaker 1 (24:53):
Yeah.
Speaker 2 (24:54):
And when people when you look up Jay Edwards after
the show today and you find them on Spotify or whatever,
it's just Jay, not Jay, but it's just Jay Edwards.
And I know I've got all of these stuff marked
up on Spotify and we're and then you're just on
every music platform I guess, aren't you.
Speaker 5 (25:09):
Oh yeah, yeah, nine nine point nine nine percent of
all of them. I don't know which which zero one percent?
We're not all, but all of them.
Speaker 1 (25:21):
I got you how long you know? How long you
been writing music?
Speaker 2 (25:24):
I mean, what inspires your what's the you know, like
like me, and you know, like I like to write
a poem, and I don't know if they may could
ever put any music to them, But I mean, how
do you how do you get a good, good song
put together?
Speaker 5 (25:34):
Well, first of all, I've been writing since I was
about nine years old. I wrote the first of the
song with a little gospel song with my tep of
my mom. But when I was nine and uh, I
then writing my whole life. It comes from different places,
I used to, I think I when I first started writing,
I started or I guess writing in school when you
(25:56):
had to write stories and things and personal experiences. That
didn't ever really suit me because it seemed like somebody
was always laughing at my story. So I thought, well,
I'll tell you what I'll do. I'll write somebody else's story.
And that's why I do in my songwriting. I look
out there and I see somebody else going through something,
and I think, well, what would they be thinking? And
I write down that, that idea, that concept, and then
(26:21):
I just kind of go with that, And that's why
I try to treat my music and hopefully at the
end of the night, somebody walks up and says, hey,
that's what I was trying to say, and you know,
so we just sometimes it's a hook, sometimes it's a concept.
Sometimes it's a riff or a little little groove, and
I think, well that right there, just it feels like
(26:43):
it says there's a whole lot of nothing going on.
Something ain't right.
Speaker 1 (26:46):
So yep, he just flow with it.
Speaker 2 (26:49):
You play all over Nashville down there, and I know
you have been doing it for quite a while, so
people want to find you. I mean, you've got a
Facebook page, You've got all that, and uh yeah, your
philosophy in Nashville. The way I understood that what we
were talking earlier is is you play all your songs
and if somebody comes up, and and it's come up,
somebody comes says, I want you to play Bob Seeger.
(27:09):
I mean that's not that's not what you play your stuff.
Speaker 5 (27:12):
Yeah, I played mine. I say, hey, I got a
song that I wrote for Bob Seeger. And then I say,
he never called me back, but I wrote it for him.
And I play one of my songs. I've been doing
it for ten years, man or more than, on Broadway
and Second Avenue and all across Nashville, playing all originals.
They told me I couldn't do it hadn't been done
in thirty five years, and I just I said, well,
(27:33):
I think you're missing the mark. And I started playing
my originals and the tourists come to town and say, man,
it's the first original song I've heard since we've been
here for eight days.
Speaker 1 (27:43):
And were having a blast.
Speaker 5 (27:44):
I mean, it's it's crazy. We play places like the
food court up there on Fifth and Broadway, and that
that may look kind of funny on your resume, but
same time we're reaching you know, hundreds or thousands of
people and they're just sitting there listening to us. And
then they call say, hey, you want to come to Houston,
or you want to come to Michigan, Sure let's go.
Speaker 1 (28:06):
So it could be done, you know.
Speaker 5 (28:09):
I just it's right now. Nashville is just in this
deal with it's all the request lines and even if
I don't know your song, I'll learn it in thirty
seconds and I'll give you a crappy version of your
favorite song and you give me thirty dollars, you know,
And that's that's not the way I do things. And
I go in in tell them, say, I'll tell you
what we'll do If you don't like this, if you
(28:30):
don't think this sounds enough like a Chris Tableton song,
you just come down and get your tip by the
tip jar, and you know it's all fine by me,
and I play my own music.
Speaker 2 (28:41):
Yeah, And then you're gonna be one to four this
afternoon with Amanda Fruits Cocktails Bar and Grill, thirty ninety
Old Todds Road. They got great food over a great drinks.
If you're in town for billy strings, you were here
last night, you're gonna go again tonight, or you're coming
to town. It's a great place to come. List of
some good Nashville original music at cock Tails Bar and Grill,
And from one to four they'll have the doors open
(29:04):
and plenty of room for everybody to come in there
and hang out and visit. And Jay he'll, you know,
he'll you'll have a little bit of merch and some
other stuff. But I'm known Jay for a while. So
if you want to meet a good guy and have
a friend for life, stop in there this afternoon for
one to four, see what he's about, you know, and
take on some good original music.
Speaker 1 (29:22):
And and he does an old school way. But you
heard these songs a little bit.
Speaker 2 (29:26):
You can see a little bit about what he's writing
on and if you enjoy that type of music, and
I know a lot of people do, come out there
and see this. You can sit outside, you can bring
a lawn chair if you need to. But you know,
come on down and check us out and we'll see
what's going on.
Speaker 1 (29:40):
Jay Man.
Speaker 2 (29:41):
Be safe traveling, yes, sir, you know, but this afternoon
we'll see you down there one to four at cocktails.
I guess we'll call it the Billy Strings pre party
and we'll have a good time.
Speaker 1 (29:52):
So hey, we're gonna take a break. Your listen to
Welcome Home Show by Guardians Eavis.
Speaker 2 (29:56):
Bank over to day from ninety one when he's eighty
five nine eight nine nine one three six. You listen
to us on news Radio sixty. Don't use lap. Listen
a little bit more Jay's music rare.
Speaker 6 (30:09):
I've the lad.
Speaker 1 (30:13):
You're back listening to Welcome Home Show about Guardian Savings Bank.
Speaker 2 (30:15):
Tim Adams are your freak's in here and we appreciate
Jake letting us get hit him on the phone and
chat with him a little bit. And uh yeah, telling
you this afternoon from one to four Cocktails Bar and
grill got great food. If you're in town to see
Billy Strings, or you're heading this way and you want
to see some good original country music, him and.
Speaker 1 (30:33):
A man will be over there.
Speaker 2 (30:35):
It's thirty ninety Old Todd Road Cocktails, Bar and Grill. You'll,
I promise you it'll be a treating. Just like Jay said,
he's not gonna have any covers. He's gonna play all
original stuff. And it's got a little taste of it
there in that session. And good guy, good friend, you
have a friend for life. Why don't you catch him?
And you can find him on if you want to
find out what you're gonna hear, look him up on.
Speaker 1 (30:53):
Spotify or wherever.
Speaker 2 (30:54):
And it's just Jay, Jay, Jay Edwards, just Jay, and
you can find him about itwhere So he's a good guy.
So stop after the scene today if you want to Ben,
Tim willbi over signing autographs and Tim, you're buying from
what one to one fifteen?
Speaker 1 (31:10):
That's right.
Speaker 2 (31:11):
So anyhow, and there's a lot of people in town
to see Billy Strings. He was here last night and tonight,
so amazing the artists there, and he's own right, and
I've got a lot of stuff going on, So keep
in mind six point seventy five on a thirty year fix,
six point three seven five on a twenty five, eight
seven five on a fifteen In here, be glad to
talk to you about it. Got a lot of people
(31:32):
in here doing a lot of different things. Talked about
bridge loans, talk about just refinancing, do a cash out refinance,
consolidating bills, and putting things together. So if you can
hear as, you can call us man. We'll help you
out if we can. Eight five nine eight nine nine
one nine three six. Just keep that in mind, says,
listen to the radio show, and I might not catch
you guys at cocktails today with Jay, but I would
talk to you about a mortgage. Been waiting for a
(31:53):
Saturday where we didn't have a whole lot of rain.
And I know he's got a lot of people out
doing stuff. So that's what I said. That's why we
call this the Billy String pre party. That ain't saying no,
he gonna be around. It ain't saying he won't, but
you know, it's just, uh, we're just trying to make
an event out of it. Since Jay's coming to town,
we'll have some fun with him and Uh, it'll be
a good time. And like I say, they've got good
food and stuff over. They got to have a patio
open and and be a good show. Uh, and there
(32:16):
would be no breaks. They will play for four straight hours.
So when you come over it and gonna cost you
dime to get in, just come over, throw something in
the tip jar, buy a shirt, buy a CD or
what have you. Help them guys get on down the road.
I think they're headed out to Ohio after that. And
like I say, he's getting ready on tour. He's going
to sturge us and uh got a two or three
week little run. He does it, you know, many times
a year.
Speaker 1 (32:36):
So just a great guy and all original music.
Speaker 5 (32:39):
Man.
Speaker 1 (32:39):
It ain't ain't nothing.
Speaker 2 (32:41):
You ain't gonna he hi cover anything, but it's songs
that you'll be able to appreciate and have a good
time with. And anyhow, we're I appreciate you guys listening
to They give us a call eight five nine eight
nine nine nine three six South when is eight five
nine two six three three three three five, So just
you know, give us a call, see if we can
put something to get for you, and hopefully these rates
(33:01):
will go down. But like I say, marry the home
date the loan. We had people rolling along and everybody's
kind of adjusting into what these rates are. And Tim
already mentioned there's thirty percent less applications for home construction.
There's thirty three percent more homes on the market right
now than there were last year at this time in
this area. So it's it's time to start, you know,
thinking about what's holding cargo to build as many houses
(33:24):
because inventory is on the rise and the cost of
building with rates me and what they are is going
to over a period of time, is you know, going
to take its you know, take its tolls. So it
will help you if you just let us know what
it is, just good and we'll put a plan together.
If it can't do anything, now we'll know what we
got to do to get you there. And a lot
of good realtors out here. You here, Woody on the show. Hey,
next Friday, Now we got the NFL Hall of Fame induction,
(33:47):
So keep that in mind. We talked about that quite
a bit. You can find out online how to store
all that out. And it's a good opportunity to get
out and meet some people. I think Jim Daoppolos and
who all wasn't going to get inducted this next Friday.
Speaker 1 (34:01):
I can't remember, Kim. We talked about it earlier.
Speaker 3 (34:03):
Go online and look at the roster of the andy.
Speaker 2 (34:07):
It's it's the Kentucky n FL Pro Football Hall of
Fame is the website, I believe. And like the stories
they tell ye how they got where they're at, some
of the things that happened on the teams they were with,
some of the people that we may know that they know.
Speaker 1 (34:23):
And it's a good time. And I'm sound that we
tell we don't know, Yeah, and so I'm looking forward
to that.
Speaker 2 (34:29):
So, you know, just keep there's some good stuff going on,
and and and the and these guys that that that
NFL group, their money goes for foster care. Anything that
they do and they make money from it goes to
help the foster care people. So it's it's not you know,
it's not a profit center at all. And then Bob
Brown House here in Lexington, keep them in mind if
(34:51):
if you want to check out with them and see
if there's anything you could help them with. There's a
lot of people out here. Can you some help right
now that are helping other people and keep that in
and what else is going on this weekend? Tim finally
got some sun. There gonna be a lot of people.
Speaker 1 (35:03):
At the lake. Kay.
Speaker 2 (35:04):
If you're listening to the show. On the highways in Kentucky,
the left lane is for passing.
Speaker 1 (35:10):
You're blaker.
Speaker 2 (35:11):
Lets people know when you're gonna move left or right,
and if you're going around somebody, get around them and
get out of the way because a lot of people
get down here Tim the Ohio Navy, and then they
want to ride that left lane and traffic gets backed
up and then everybody's you know, get all that stuff on.
So hey, pay attention to what's going There's gonna be
a lot of people aroundtown.
Speaker 1 (35:28):
Billy Strings.
Speaker 3 (35:29):
Last thought I have with this warm front coming through,
please make sure you stay hydrated.
Speaker 1 (35:36):
We have a lot of heat exhaustion death across the country.
Window when it gets this hot, make.
Speaker 3 (35:42):
Sure you're finding shade and drinking plenty and plenty of
water because that's key to maintain your health and.
Speaker 1 (35:51):
Take care of your pets.
Speaker 2 (35:52):
Anyway, we're gonna be back next Saturday. We appreciate you
tuning in and listen to us. Appreciate Richard for joining us,
Jay Edwards for taking our call once again. They'll be
over Tod's Road this afternoon. T Tales from one to
four pre pre party. Billy Strange, that's what we're calling it. Anyway,
be back next week. Give us a call if we
can help you with your Morgan situation eight five nine,
eight ninety nine one nine three six And Tim Adams,
(36:12):
I'm Larry fraid you may listen. Welcome home to him
my guardian saved me the Banka on news radio Storry
w I come see this and cocktails.
Speaker 1 (36:20):
We'll be back next week, will you
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