June 27, 2025 • 38 mins
reuploaded 06.27.2025 with adjustments to segment 4
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Episode Transcript
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Speaker 1 (00:03):
Hey, everybody, Welcome to the Christen Agobian Show. Shout outs
from everybody here in Studio B as we connect with
our now two hundred plus stations coast to coast. Greetings
to you all. This week's show is brought to you
by nationwide Superior Travel Experts and their amazing discount travel
deals up to seventy percent off your favorite destinations. If
(00:24):
you're thinking about some travel this summer, give the Superior
Travel Experts a call. They love this stuff. Eight hundred
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done for up to seventy percent off. That's eight hundred
four to three zero seven nine two three. Sitting here,
coffee in hand, looking out again. It is rainy here
(00:44):
in Philadelphia, rain rain ram. But you remember how much
I was whining during the wintertime. No more whining. I'm
not going to whine. It's not snowing. Therefore, my world
is good. Going with mocha in my coffee mug, raising
it all to you in salute in my new I'm
doing this every week, getting a new Dollar store mug
every week. I've got quite the collection going. It's just
my thing lately. I'm loving it. How's your week been okay,
(01:08):
So last week we took our family Vaca, four days
out of town. I love this week. Every year kids
get to pick our travel destinations for our summer breaks. Okay,
So they get to pick our summer breaks where we're
gonna go for our travel and it is really fun
to see what they come up with. It has to
be in the continental US. One day we'll get to
(01:30):
Alaska and Hawaii. It's just not in the budget right now.
Not crazy about that long of a flight, to be
perfectly honest with you guys, last year Robbie picked Texas.
Remember all that stuff on Facebook. We had the best time,
went to the Alamo. We went to San Antonio. The
river Walk hands down, in my decades of traveling with
Victor before we had kids, after we had kids, the
(01:51):
San Antonio Riverwalk absolutely gorgeous. That town really grabbed me.
If you ever get a chance to go to San Antonio,
have fun with it, because we had a ball love
all the cities. We go to. San Antonio was special.
So this year Katie gets to pick and she picked
New York. Now, last year for school they had a
school trip to New York. I got to chaperone it
(02:13):
as well. We have the best time, so I was
thrilled that she wanted to return. That was such a kick.
So we just got back a couple of days ago.
We had a ball now. And then I did some
number crunching. Okay, according to Triple A, the cost of
an average four person vacation in the US to a
place like New York City should have cost upwards of
(02:34):
forty eight hundred dollars nearly five grand. Oh my god,
we did it for less than two thousand dollars and
we lived like kings. How do we do it? Far?
Far easier than you'd think. Touching on that first, then
going over our listeners favorite travel spots that they adore.
I love all of your Facebook feedback and all, and
(02:56):
I love that these towns that they're all listening are
known for or their beauty and their history and their
food and their inexpensive fabulousness, whether it's for their free
museums or the architecture, or their entertainment or their food
or all of the above. That's always the best one.
Then we'll do some dad and daughter talk real estate,
(03:18):
and then our top five tips for you, no matter
where you are, no matter the age, or the size
of your family, no matter where you're headed. To slash
the cost of your family's vacation this year, let's do this, Okay,
So this year we decided to go to New York. Now,
New York is a town unlike any other, and I
(03:40):
love visiting it, love coming home afterwards. I just always
appreciate you appreciate where you are, you appreciate getting back home.
New York has an energy and a fire and just
an incredible way about it. It's tremendous fun. I recommend
everybody do it. And the kids were old enough now
where we knew that we could go to places we
could touch on, places like the Nine to Eleven Museum,
(04:00):
which I very much wanted to go and pay homage to.
It's something that I've been wanting to do for a while.
I felt like the kids weren't quite old enough for
it before, but if they were able to see parts
of it and start appreciating the all of the history
of New York, we went everywhere. First things first, we
had to find a way to get there without breaking
the bank. Now we're in Philadelphia, so it's a quick
road trip. And one of the things I appreciate most
(04:23):
about slashing the cost of a trip. Slashing the cost
of your vacation, try making it somewhere within a two
hour drive of your home. Take out the airfare completely. Now,
if you simply must fly somewhere, I get it, it's
tremendous fun. Go and call the airfare experts we talked
about them in the opening, and get yourself some cheap
airfare if you're up for it. However, you're gonna find
(04:44):
that you slash the cost of your trip if you
simply do anywhere within a two hour drive of your home. Okay,
you might take a look at the map and realize, hey,
we've never been to XYZ, we've never been to ABC.
Let's go check that out instead. That is one of
the a number one ways to one hundred percent slashed
the cost of your travel, especially if you've got the
(05:05):
bigger family. And speaking as a mom, speaking as a parent,
you guys know that you've got the best kids in
the whole world. There's a special hell to getting on
a plane with your kids. They can be the best
kids in the world. I happen to be the proud
owner of two magnificent kids, and they traveled pretty darn
well on planes. They didn't cry, they didn't scream. They
(05:27):
love looking out the windows. They have a great time.
I have connected with so many parents whose kids, whose
beautiful kids were miserable with ear pain and were just
very discombobulated. They didn't like the feeling of the cabin pressure.
It was a miserable trip for them. So just a
little wiggle either way, just thinking about it. Stay outside
the box when it comes to travel. Try to do
(05:48):
it within a two hour drive of your home. You
will be saving huge on that. There you go, so
there's a number one next the hotel. I am a
hotel knob. I love saving money. Coupled with that is
my evil twin, the girl who likes to go to
very schwank hotels. Okay, I've had so many people say
(06:09):
to me this is such a compliment. I so appreciate this.
I've had so many people say to me, you have
to try camping. You'll save so much money. Camping is amazing.
I have such I sit up straighter in my chair
with respect for those who can successfully, happily, satisfactorily camp.
I don't own that DNA. I'm not the I don't
(06:31):
have that DNA where I can go camping and make
it a happy experience for other people. I need electricity.
You don't want to see me in the morning without it.
Me without electricity sleeping where I'm hearing all kinds of
crickets and I can't hear my fan at night. It's
just not a pretty picture for the sake of those
that I love. I don't see myself going really hardcore
camping anytime soon. I have such respect for people out there,
(06:54):
who will, you know, open up food and maybe heat
up soup over a fire. It sounds so nice and
so romance, and let's face it, we all look really
good in campfire light. I look hot. I mean, I'm
sure I look pretty darn attractive in campfire light compared
to the harsh, you know, glow of whatever sort of
incandescent lights I take as an option. However, camping is
not a level I'm going to take my vacationing to.
(07:16):
I'm the opposite. I'm the one that likes to, you know,
tell people save money, save money, save money. And then
the instant we're traveling, I have to have a fancy hotel.
What do I mean by fancy? Here's what I mean.
I need at least two bedrooms. Love the two bedrooms
because the kids will sleep in one and then Victor
and I will sleep in the other. And this can
be a pull out on the couch and the separate bedroom.
(07:38):
So we could do a one bedroom with a nice
little seating area and then Victor and I can hang out,
you know, can hang out on the pullout. So there's
two separate bedrooms. That works. Now. This last trip, Victor
not only delivered with this incredible hotel room, he got
us a two bedroom, two bedrooms with closing doors and
a beautiful seating area with a big and a kitchen,
(08:02):
which quite honestly, I adore. I've heard from some people
men women are like, how dare you put a kitchen
in my hotel room? What do you think I'm gonna do?
Cook on my vacation. Hell's yeah, you're gonna cook on
your vacation, and you're gonna save some serious cash while
you're doing it. Now, here's the thing. I barely picked
up a pan while I was in there. I did
a grilled cheese for Robbie, I did some Texas toast
(08:23):
for Katie. The vast majority of the time other people
were serving me food and I was loving it. Make
sure you pick a hotel room that has a small
kitchen there, especially a refrigerator, a microwave. Huge extra points
if you have a range and a nice little sink. Okay,
we saved tons bringing loads of snacks down there, and
(08:45):
then we coupled that. I cannot believe this hotel Victor
found us. I'm not gonna name it out loud because
there are a lot of them out there. Don't want
to give one short shriped and you know, give the
other one attention when you know they're all fantastic. Go
out there and start researching this, but see what you
can do get onto. Triple A knows what it's talking
about when it comes to this. We went on a
Triple A where we have been proud members for so long,
(09:07):
found this hotel. So now we've got a two bedroom
in addition to a large seating area, two bathrooms, a
full kitchen, a small kitchen, but a full kitchen. Nonetheless
that we stuffed full of food and Victor, goddess of
this is so beautiful. A lot of hotels these days
have the free breakfast, which of course is rolled into
(09:27):
the price of the hotel. We go down for free
breakfast every day and a family of four saving huge
cash during the during the course of a four day vacation.
This one also had a free dinner bar. Now we're
not talking steaks. Don't go over the top, don't lose
your mind. But when we're talking about these hotels putting on, say,
a free soup and salad bar every night, guess what
(09:49):
that's dinner. My kids love soup first of all. They
love a good loaf of bread, and that came with it,
you know, huge loaves of bread there in this place too, Crackers, sodas, drinks, chip,
everyone's needs were filled and the cost of breakfast and
the cost of dinner were all rolled up into one
inside our hotel room that we got for a huge discount.
(10:10):
You know why, when you stay in I know we
gotta wrap this up. Give me thirty seconds. When you
stay deep in the heart of New York, you're going
to pay a small slice of your soul to do that.
Here's what you do. You go about fifteen minutes out,
whether it's a fifteen minute drive a fifteen minute train ride,
you head on out of there. We went to a
hotel fifteen minutes away from the city. Our windows had
(10:32):
a beautiful view of the city skyscape, and we paid
I think easily fifty percent less than what we would
have paid otherwise. So our four day ak, which should
have cost five grand for a family of four, cost
only two. And we're going to go over more details
on that right after this not too the best.
Speaker 2 (11:10):
And we are back with the Christian Agopian Show. And guys,
you ready for these numbers. Approximately six million kids in
the United States have food allergies. And now I'm aware
of food allergies. Of course my kids. I'm the proud
owner of two kids, beautiful kids. They don't have any allergies.
I always lucked out with that. But those numbers blew
me away. Maybe they surprise you too. And here's more.
(11:32):
More than two million, two million kids likely experienced a
severe reaction at some point. And if you were the
kind of like mom of bear helicopter mom that I am,
the idea of your kid experiencing a severe allergic reaction
almost is enough to make you break out in hives, right,
am I? Right? So despite the clear link between early
(11:52):
epinephrineus and better outcomes, I mean again, my kids didn't
have allergies and even I had an epinephrine shot in
our house and our little tool kids whenever we needed it.
Never used it, but good to know what was there.
Research shows approximately forty percent of patients delay treatment and
fifty six percent of caregivers fear using needle based autoinjectors
(12:16):
on their child. I got to give some respect to that.
I'm hugely needlephobic. But again, the mama bear always seems
to win. But with summer break quickly approaching, thank god,
and the new back to school season, you know are
going to be here in a blink, now is the
time for parents to talk with their healthcare providers about
something amazing. Guys, looks us up. It's called Nephi. Neffy,
(12:37):
go to nephi dot com as we're doing this year
if you're not in the car, if you're listening from home,
joining us to discuss the impactus of beer allergies and
how NEPHI is a new stage in helping kids, helping parents,
helping caregivers treat the first symptoms. This is fantastic stuff.
Joining us there our Newsmaker line immunology expert, doctor Nicole Chase,
(12:57):
to tell us more.
Speaker 3 (12:58):
Welcome, Doctor Chase, thanks so much for having me.
Speaker 2 (13:01):
We are delighted to have you on here, and again
for all of the helicopter parents and grandparents out there,
we salute you in advance. But talk to us a
bit more about the causes of these I think you
call them like type one alert reactions, including anaphylaxis, and
about this fantastic nethy that we can use.
Speaker 3 (13:20):
Yes, so we see a lot of patients that have allergies.
Very commonly, allergies are to foods, so different things that
you might expect like peanut, tree, nuts, shellfish, et cetera.
Venom is another very common cause of allergy, so insect
sting reaction. And you know, we tell patients that if
you even think you're having an allergic reaction, really the
(13:42):
number one thing you can do is to stop that reaction. Immediately,
stop the symptoms, stap the progression. And we advise patients
to do that by using epinephrine. And as you mentioned,
historically we've only had these epinephrine autoinjectors where patients kind
of have to jab themselves or get a jab from
someone else to get this medication. But now with nephi,
(14:02):
this epinephrin nasal spreak they can actually use this to
treat allergic emergencies, including that life threatening version of that,
which is called anaphylax.
Speaker 2 (14:11):
Yeah, it's amazing, and I'm thinking back. You know, my
kids are now, you know, they're twenty one and eighteen,
but when they were younger, and when I was, you know,
the homeroom mom, and we were always doing birthday parties
for kids and having so much fun. These kids are
just great. But we had one kid at least in
every class who was allergic to something. And we had
one gorgeous kid, now not allergic to anything, believe it
(14:33):
or not, he outgrew them all, but at the time
he was allergic to gluten and you know, wheat in general,
and you know, everything else. You can get peanuts, everything else.
And you know, negotiating any kind of social events when
it's a guest, much less your own kid, it can
be a little overwhelming. And you've got people out there
wanting to navigate this without wrecking their kids fun. But
(14:55):
go into a little more detail, if you would, about
the day to day in pact, so you know these
types of beer allergies on young kids and their families.
Paint a picture for us if you.
Speaker 3 (15:04):
Would you know, it's really the equivalent of having another
full time job, having a child that has a food allergy,
or even having one yourself. I mean, you know, this
is America. Everything we do is expressed through food. If
you're feeling happy, we want you to eat something. If
you're feeling sad, maybe you should eat something to cheer up. Right,
So when you think about sitting down to a meal,
we do this numerous times a day. There's always snacks available.
(15:28):
Everyone that has food allergies is every single time they're
doing that, they're thinking about does this contain what I'm
allergic to? So you can imagine how even as a child,
at a very young age, these kids grow very quickly,
their parents become very hyper vigilant just because they want
to do everything they can to prevent these reactions from occurring.
And what we really try to do, and what we're
(15:48):
trying to do more and more is is to take
away that fear factor, to really empower patients and families
to realize that look, accidents happen, even through the best
of our abilities to avoid exposures. But if an accidental
exposure happens, if you use epinephrine, things will be okay,
And this is where Nephew really comes in. It's approved
(16:09):
for children and adults four years of age and older
who weigh thirty three pounds or more. It's very well tolerated.
The most common side effects are nasal discomfort, headache, and
running nose. And really what we're using is is this
little delivery device where you just inserted into the nostril
and depress a little plunger and it delivers that exact
same epinephrin, but in this form that's been optimized for
(16:30):
nasal absorption. It's very very small, so it fits into
little pockets or backpacks and things. And one of the
best features I think about Nephi is that it actually
can go where we go, so summers where you have
kids that are outdoors spending time at camp or wherever else,
and this actually is has been able to withstand temperatures
(16:52):
as high as one hundred and twenty two degrees fahrenheit.
So really, with Nephi patients and pear givers, providers, et cetera,
they can take it everywhere with them, which makes it
much more likely they'll actually use it when they're having
a reaction.
Speaker 2 (17:07):
Oh that's brilliant and I'm taking notes as you're talking
here because you're bringing up so many important points. I
love the temperature, the variability on that, the fact that
you know, clearly people in the American Southwest, you know, Arizona,
those temperatures said that kind of thing. It's perfectly fine
for them. What I think is going to be your
biggest hook is the fact that this is needle free.
It's the new evolution in this. You know, incredibly effective
(17:31):
treatment for this, but I think the needle puts a
lot of people off. I've got you know, I've got
precious few phobias, and I'm fine taking a needle, but
giving a needle to someone else, I will go dear
in the headlight. So this is now a fantastic new
offering with this, it's a head You must have been
getting a phenomenal response to this. What's it been like? Yeah?
Speaker 1 (17:48):
Absolutely.
Speaker 3 (17:49):
I mean I think that sometimes people are just shocked
that this is even available, that you know, but when
you think back, we're like, oh gosh, why did this
take so long? But I do think that now we
are seeing this next generation of patients with food allergy,
especially in children who may not ever remember the days
of when we had to use an autoinjector. To them,
it may always be oh, I just take my nasal
(18:10):
spray then. So I think that for many people this
has really given them. It's a switch right from being
fearful all the time to really giving them that feeling
of empowerment to giving them that control back so that
they know that, gosh, you know, even if an accident happens,
I don't have to lose my cool. I can say
I've got what I need to use. I can even
administer it myself. We've had children as young as ten
(18:32):
years of age be able to self administer this medication,
and really, I think that that makes everyday life just
a little bit easier knowing that you've got it, your
antidote is right in your pocket.
Speaker 2 (18:43):
Brilliant and I knew the time would fly. Where do
our listeners coast to coast go to learn more about this?
Speaker 3 (18:48):
I think you mentioned it already, which was great, So
nefi dot com is the place where if people want
to learn more right now, they can go there. But then,
really this is the time to start thinking about making
that follow up appointment with your allergy specialists over your
action plan. Get those epinephri and refills and then really
get that confidence from the providers that we can instill
in families to know that they're not alone, they can
(19:09):
do this and actually that they have a lot more
control over their allergies than they may realize.
Speaker 2 (19:15):
Brilliant.
Speaker 1 (19:15):
I love this.
Speaker 2 (19:16):
I love our medical segments, and you've broke it down
for so beautiful immunology expert doctor Nicole Case. You've got
an open mic anytime, please join again and you can
and have a fantastic summer.
Speaker 3 (19:25):
Thank you. Saining to you that we'll be.
Speaker 2 (19:27):
Right back gang right after this.
Speaker 1 (19:37):
Tolone and we are back with the Kristen Agophian Show.
Half past the hour. You know what that means. Time
for another fabulously educational boiling down all of the info
into usable information for all of you. Dad and daughter
(20:00):
talk real estate with the highly prepared gentleman to my right,
John Harriet aka Dad.
Speaker 4 (20:06):
Welcome back, sir, Thank you very much, Chrissy. It's always
a pleasure to be here and talk to your audience
about real estate. It's a subject I love and the
subject I think I know some things about. And folks,
if you have any questions at all about real estate.
I'm only licensed to practice in Pennsylvania and Delaware, but
I can answer questions anywhere in the country. And as
I say, I give free advice that's actually worth.
Speaker 1 (20:26):
Something, that's right, very much worth something. Guy's call or
text anytime you've got questions, Dad's got the answers four
eight four five seven four four zero eight eight.
Speaker 4 (20:36):
And I could even do that in Norwegian if I
wanted to like this or not me, but I probably
won't do that.
Speaker 1 (20:40):
I had Spanish forever. I couldn't even do it in Spanish.
Speaker 4 (20:42):
I was when I was a kid growing up in
South Dakota. For some reason, every one of us learned
to count to twenty in Norwegian.
Speaker 1 (20:47):
We had you.
Speaker 4 (20:47):
I can only remember five. Anyway, we're going to be
talking today about some generic stuff that's happening in real
estate cool in general, no matter where you're located in
the United States. Safe in making this statement for ninety
five percent of the country at least, and that is
that now is the best time you were going to
see for the rest of your home buying lifetime. Yep,
(21:09):
to make that first buy or to make that move
up by it, I agree that is just that is
just the nature of the beast. That is where we're at.
Speaker 1 (21:20):
We were talking before the break. Every week you come
out with these great i mean hot off the press's
numbers and reports straight from pure data coast to coast.
The numbers have been unbelievable. Yet again, we thought they
were great last month, but they've taken a phenomenal spike
this month. And that's even despite you they had some
new laws that were coming out regarding luxury properties that
kind of thing as well, And it doesn't matter that
(21:40):
we're just steamrolling all the information and people are even
more bullsh about houses than ever.
Speaker 4 (21:44):
It's great stuff, for example. And I think part of
this was the the Trump derangement syndrome that came out
after the new tax laws were passed, and people were
looking for any reason, any reason to criticize the tax
law and criticize the president.
Speaker 1 (22:00):
Crazy.
Speaker 4 (22:00):
They're unwilling to give you credit for anything that is
that is right. One of the things that came out
was that, oh my god, the impact on expensive homes
could be detrimental with a limit on the mortgage interest deduction,
raising taxes for those that itemize.
Speaker 1 (22:15):
And I kind of had a fear that might happen.
I mean, it kind of made sense to me that
it might have a lowering of the enthusiasm for the market,
that kind of thing. But I'm so delighted that it
really hasn't.
Speaker 4 (22:24):
Gone that way. Yeah. And by the way, the fact
that tax deduction on homes is now only deductible up
to a limit of ten thousand dollars. Yeah, that is
going to raise the taxes for some people who own
more expensive homes. You don't have to have a hyper
expensive home. Reading over up to around half a million
dollars are over, which isn't hyper expensive anymore, is probably
(22:46):
about the breakoff point where you're not going to be
able to deduct property taxes anymore. Now, that was offset
I think in large part, maybe in total, by the
fact that the standard deduction was doubled.
Speaker 1 (22:56):
Yeah, I agree, But.
Speaker 4 (22:58):
Still there were some people who were, oh my god,
this is going to be very, very detrimental for the
luxurious home market.
Speaker 1 (23:04):
Yep.
Speaker 4 (23:05):
For example, Mark Sandy Moody Analytics Cool Westchester guy here
said the impact on house prices is much greater for
higher priced homes, especially in parts of the country where
incomes are higher and there are thus a disproportionate number
of itemizers and where homeowners have big mortgages and property
tax bills. I'm pretending I'm ted back to doing shall
(23:25):
remember if used to come on and have all this pompous.
Speaker 3 (23:28):
I love that.
Speaker 1 (23:29):
So that was so great.
Speaker 4 (23:30):
And the National Association of Realtors predicted price declines in
high costs, higher tax areas. They forecasted appreciator of six
point two percent in New Jersey and four point eight
percent in Washington, D C. And New York.
Speaker 1 (23:41):
You can see with that, actually.
Speaker 4 (23:42):
Folks, prices have continued to go up in those higher
priced homes, numbers of sales that continue to go up
in those higher priced homes, so that hasn't actually happened.
Speaker 1 (23:50):
And the speed with which they're selling coast to coast,
that's what blows me away. We thought that, you know,
thirty days, forty days, and it is. That's a great
number as well, But now that's even ticking up even
more to even faster, and that just blows me away.
Speaker 4 (24:01):
Yep, it is. But the luxury home market appears to
be strong, I think, and there's no question if you
just looked at that one impact, that one factor, the
fact that you used to be able to say, if
you had a twenty thousand dollars property tax bill, now
you can only deduct half of that. Looking at that
in isolation, is going to raise your taxes, which means
(24:21):
it's going to raise the price of owning a higher
priced home, which means that that price should actually come
down basic laws of economics. If you charge more for something,
you're going.
Speaker 1 (24:29):
To sell less of them exactly.
Speaker 4 (24:31):
However, there's other things that are that are entering in here,
like how secure do people feel about their job exactly?
How much income do people feel they're going to be making.
Do you feel about the stock market. There's a whole
meriative factors and those are also entering in and I
think are overriding the fact that we do have this
limit now on the mortgage interest, on the tax deduction.
Speaker 1 (24:52):
Yep, spot on good stuff, So that that.
Speaker 4 (24:56):
Is the deal on higher priced home So far, the
impact on higher priced homes has got to be depressing
it a little bit. But there are other factors like
people's overall confidence in the economy, their own feeling about
their own jobs.
Speaker 1 (25:09):
If they're paying off debt, yep, they have more debt
to play with. They want to be buying out overriding
that that's so cool that it's very refreshing and reassuring
to hear good stuff.
Speaker 4 (25:18):
And the real estate market, the overall real estate market
and the continental of the United States is still very,
very healthy. For example, days on market dropped to a
new low in April. The average days on market for
a home that or median days on market I'm sorry
for a home that went on the market dropped down
to twenty six days on the market, which is a
(25:38):
new I think all time low.
Speaker 1 (25:40):
That's incredible, new all time prices are good too, I
mean that's.
Speaker 4 (25:44):
Always and then the prices are going up at the
rate of five six seven percent a year, wow, which
is probably overheating a bit, which means that that can't
last forever. But right now, that is what's going on.
Speaker 1 (25:55):
Yummy.
Speaker 4 (25:55):
Now, What that means is median days on the market
twenty six days. What that means is from the house
comes on the market until that seller has an agreement
of sale. The median number of days is twenty six.
That means that half the houses on the market took
longer than that to sell. Half the houses on the
market took less than.
Speaker 1 (26:12):
That for self, imagine half the but just hearing those
words half the houses on the market took less than
twenty six days to sell. That is wicked cool. I
think that's a real to term, wicked cool.
Speaker 4 (26:22):
The last I hadn't heard that one before. It's the
last house that I listed and sold was on the
market less than a day. Wow, was on the market
less than a day.
Speaker 1 (26:31):
Now.
Speaker 4 (26:31):
I think that's due to the way I market the
home and a certain amount of luck and the fact
that we're very attractively priced.
Speaker 1 (26:37):
You make your own luck.
Speaker 4 (26:37):
But the median days on the market down to twenty six,
and that is indicative of a very very healthy real
estate market with rising prices. So, folks, if you are
in the market for buying your first house, that speed
on the real estate market and the fact that prices
are going up says now is the best time you're
going to have. And I know I'm repeating myself, but
this is very very important. Now is the best time
(26:58):
you're going to have for the rest of your home
buying lifetime to make that first buy.
Speaker 1 (27:02):
Yep, and just get in there and do it. One
of the many things your segment does each week is
it boils down all of the blessed blankety blank noise
out there into very distilled, usable, exciting information. And from
there you got one more step to take, and that
is to kind of overcome very normal, very healthy trepidation fears.
You have maybe your own backstories with regards and use
it to your advantage. All the stars are shining in
(27:25):
your favor right now. Make the next step to call
the bank, the bank that needs you more than you
needed that bank. Call a realtor who only gets paid,
and when you are one hundred percent delighted, put them
both to work and make that dream of home ownership
of reality. It's exciting stuff.
Speaker 4 (27:39):
Amen. Amen, brother, Amen, we should have a revival meeting
under a tent someplaces. That's right, talk about real estate.
But folks, I said, if you don't own that own
your first home yet, make sure you get in the
market and then get that done. Or if now is
the time to do a move up by say that
you bought a house. The family has gotten a larger,
(28:00):
You've now got two cars instead of one. Kids are growing,
you need a bigger backyard. Maybe you need a place
to put that swimming pool. Yep. Maybe you want to
get into a different school district, all those things. You'll
never have a better time for the rest of your
home buying lifetime to do it than right now. Love it.
The combination of the fact that prices have gone up. Yes,
not as good an opportunity as it was six months
(28:20):
ago or a month ago. Even it's a better opportunity
now than it's going to be six months from now,
a year from now.
Speaker 1 (28:26):
And that's what you want to think about it.
Speaker 4 (28:27):
And that's the combination of the prices. Yep. Interest rate
for mortgages, where do.
Speaker 1 (28:32):
You see that going? Honestly, interest rate for.
Speaker 4 (28:34):
Mortgages, well, I've been surprised. For the last five years
I have been predicting that interest rates were going to
be going up. Yeah, all the signs were that, yes,
the interest rates are going up. Now for about the
last two or three weeks. The ten year Treasury note,
which is what kind of drives the real estate mortgage rate. Now,
what that means is that people who are buying ten
(28:56):
year US Treasury notes are willing to accept the lower
turn than they were a month, two months, three months ago.
Speaker 1 (29:02):
Now.
Speaker 4 (29:02):
I'm certainly not an expert in what drives mortgage interest rates,
but the fact that the ten year Treasury rate is
coming down, maybe mitigating and saying that the interest rates
are not going to go up as fast as we
thought they were, But I do think they're going to
be going up because as the economy, money is like
everything else, the cost of money is dependent upon supply
and demand, and as the demand for money goes up,
(29:23):
the need for investment goes up. Money is going to
cost more because people are going to be asking for
more loans go It really is that basic. Now that
a lot of money have been parked overseas, yes, that
is going to be coming back tax free. That's a factor,
But the basic math is that, look, prices are going
up yep, Mortgage interest rates are probably going to be
going up. All of that means is that now is
(29:44):
the best time you're going to have for the rest
of your home buying lifetime to make that first buy
or to make that move up. By If you are saying, well, gee,
you know my house is going up at the rate
of five to six percent a year. That means I
can sell it for more a year from now than
I can now, Well, yes, that's true, but that house
you need to buy to move into. We all need
to live someplace. We got to fish. That size this
kid is going to be is going to be higher
(30:04):
also so. But the only people who I think have
got a question about timing their sale and then move
out are people who are downsizing or have already bought
their retirement home. And for them, if it makes no
difference whether you're going to be moving in a year,
two years, three years, five years, and it might make
sense for you to hold on to your property because
you will be able to sell it for more yeah,
(30:25):
future years. Substream, jump in the water.
Speaker 1 (30:28):
Fine e zact, can't wait here, you have the next week.
Good stuff, guys, stay tuned. We'll be right back right
after this, and we are back with the Christian A
Goopian show detailing how the Hagopian family trip to New York, which,
by all modern expert standards I always go to triple
(30:49):
A for these estimates should have cost at least forty
eight hundred dollars close to five grand. We did for
the exact amount of let's see, it looks like nineteen hundred,
just under two and we did it living like kings,
We ate like kings. We had a beautiful hotel room,
we had a fantastic view out of our hotel room
at the gorgeous New York City skyline, and we did
(31:11):
it for less than half of that, and we did
it pretty darn easily. Brief recap. Stay at least fifteen
minutes away from the big city that you're trying to visit,
because the hotels close by, through no fault of their own,
real estate's super expensive out there. Get yourself fifteen minutes away,
fifteen minute drive, fifteen minute train ride, still keep your
(31:31):
view of the city, and you're paying at least half
that in the costo hotel room. Next, try going to
cities within a two hour drive for me, other people
are saying four hours and people are happy driving six hours.
Salute to you. Knock yourself out, decide what your personal
best is with regards to a drive time, and drive
there instead of flying. Much less chance of lost luggage.
(31:56):
You're going to be pretty pleased at the stuff that
you see along the way too. Starting to appreciate the
long drives again. Remember when we're kids and we would
do anything to avoid a long drive. Well, I've got
great kids who really don't canvetch too much when Victor's
behind the wheel and we're driving somewhere. Two hours seems
to be a really good amount of time for us,
but they've gone, my god, four hours, six hours in
(32:17):
the car. Decide what your family's up for. Go for it.
Get yourself a hotel room with a full kitchen. Knock
yourself out with the refrigerator. You got the fruit in there,
you got the snacks in there. And here's one of
the biggest things. This is pretty prevalent out there, so
it shouldn't be hard to find. Get yourself a hotel,
deal with the free breakfast and extra points, and then
(32:38):
load up at breakfast. Obviously, this is no time to
be dainty, use your best table manners, but chow down
like King Henry, okay, because that's free. And then we're
talking about a nice little dinner as well, the soup
and sandwich, the soup and salad, whatever they've got there.
I am digging that that's going to be my new normal.
That's going to be what I want from now on.
Is not only the free breakfast for Chris, but the
free dinner as well. Because also by the time you
(33:01):
get back to the hotel and you're thinking about dinner, oh,
we should probably think about dinner. You've probably been snacking
all day in your travels. You're probably not really in
the mood for anything that heavy. You've got tons of
snacks in your room. These hotels have got their finger
on it. Man soup and salad, some rolls, some crackers,
something for everybody. It is brilliant. I love it, love it,
(33:23):
love it, love it. When you get to these locations
where you're going to visit, you don't have to buy
something super uber pricey at the gift store. They suck
you in. I swear to God, they have their own
planetary gravitational force to suck you and the ones you
love straight into them. For a book that's about six
times the cost of any other book in modern society,
(33:43):
or a little choschki or a little he here's a
rock from this space. You know it's going to cost
you ten bucks for a rock. Hey, it's only ten
bucks for this rock. Your brains just go a little
mushy inside these gift stores. Avoid them. Partner up, buddy up.
When one of you starts to get the glazed eyes,
have the other one pull you out there. Don't go
for a lot of the expense of Tchotchki's moving on,
(34:04):
Moving on and getting yourself into a city where there's museums,
there's free places to go. A lot of times, the
travel itself, ubering your way across New York is not
a free activity, but it's not as bad as you
think it would be. And once you get there, walking
around it's free. So get yourself to a place where
you've got the museums free, going to radio city music
(34:26):
hall free. We could have spent hundreds on tours. We didn't.
And here's another thing. If I can understand the train
lines in New York City, USA, anyone can understand the
train lines all right, there are a zillion options because
there's a zillion people living there. Learn the train systems
and save yourself huge. Here is one more thing I
(34:48):
wanted to make sure we got here. I wanted to
make sure this got covered everybody out there. You've got
your credit cards, you've got your celebrations coming up where
you receive gifts, You've got all kinds of stuff going on.
All of us have pretty much everything we need. What
am I getting at? Here's what I'm getting at. When
you start asking for things for holidays or for gifts
or for anything else. Go for gift cards to your
(35:11):
favorite restaurants, for the hard rock, for maybe even a
visa gift card that you can spend somewhere else. We
blitzed through so many gift cards for say, you know,
any restaurants or coffee shops or gas stations or anywhere else.
We were blowing through them because honestly, we don't have
(35:31):
a lot that we say to people that we'd like
for gifts. We have already got it all. We are
blessed beyond measure and we know it. And people want
to give you a little something for an anniversary, for
a birthday present, and you'll get a gift card to something,
make sure it's a gift card for something you're going
to use, and use the heck out of them on
your vacations because you're gonna find that, hey, no where
(35:52):
you usually wouldn't spend more than five bucks for you know,
lunch for your kids, but that's the cost of one
hot dog in New York. You're going to be spending
some cash here and there when you can, when you're
going to restaurants, when you're going even to nationwide booksellers.
There's Barnes and Nobles in New York just like anywhere else.
If you already have Barnes and Noble gift cards, your
kids are going to have some fun. You're going to
(36:12):
have some fun buying books in New York, and it's
not going to cost anything compared to if you hadn't
planned for that sort of thing. And now for the
last two minutes, we got to get to this. Listeners
sent in their favorite frugal destinations for VAKS this year,
and I love them. Number one, in no particular order, Biloxi, Mississippi.
I've never been there. I want to go. It's the
home of our Super Talk Mississippi stations. So when you
(36:34):
think of gambling destinations, we're here near Atlantic City. We've
got our Las Vegas listeners, they might come to mind,
But Biloxi on the US Gulf Coast has no less
than two dozen casinos. If that's your thing. I'm not
much into gambling because for me, it's like throwing money
into the wind. I have no skill, therefore I don't
play that much. However, if you do, and you're better
(36:55):
than I am, and it's something that you have fun with,
knock yourself out. Biloxi, Mississippi. Next step. I love these towns.
Oklahoma City, Oklahoma, home of our listeners at KTLR eight sixty,
nicknamed the Big Friendly because visitors find it hugely budget friendly.
The history, the food, the landmarks, the Oklahoma state capital.
People highly recommended, all kinds of the National Cowboy and
(37:18):
Western Heritage Museum, all kinds of free museums, beautiful stuff.
Next up, Branson, Missouri. Never heard of Branson, Well how
about the Titanic. Branson has a museum built like a
replica of the unsinkable ship air quotes where you and
your significant other can pose for once in a lifetime photos.
If you have that kind of guy that'll pose for that.
That sounds like fun. Not sure I can get Victory
(37:39):
into that, but he loves his Titanic history. Maybe we
can get him there for that. And we have time
for We've got to do another show on this. We
have got to do a show on this. All of
these great places to go. Daytona, Florida, fans of Nascar.
We have a lot of listeners who are fans of Nascar.
They adore Daytona and say it doesn't break the bank. Raleigh,
North Carolina. I have friends who go to Raleigh every
(37:59):
single year from here in the Philadelphia area. They've got
family down there. They rave about it. There's so much
to do, free museums, all kinds of great food, wonderful people.
When they recommend it, I want to hear from them,
and I want to get there someday myself too, So
stay tuned. Dallas Fort Worth, Texas. I have been to Dallas.
Some of the nicest people you've ever met in your
(38:21):
entire life. And authentic cattle drives, big city attractions in
the Dallas area, all kinds of history. That's the kind
of thing I'm talking about. We will do another show
courtesy of all of our listeners' ideas. The time has flown, guys,
until next week. Save those pennies, pay with cash, and
you all stay frugal out there, small and not too
(38:44):
the best of them all.
Hey, everybody, Welcome to the Christen Agobian Show. Shout outs
from everybody here in Studio B as we connect with
our now two hundred plus stations coast to coast. Greetings
to you all. This week's show is brought to you
by nationwide Superior Travel Experts and their amazing discount travel
deals up to seventy percent off your favorite destinations. If
(00:24):
you're thinking about some travel this summer, give the Superior
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done for up to seventy percent off. That's eight hundred
four to three zero seven nine two three. Sitting here,
coffee in hand, looking out again. It is rainy here
(00:44):
in Philadelphia, rain rain ram. But you remember how much
I was whining during the wintertime. No more whining. I'm
not going to whine. It's not snowing. Therefore, my world
is good. Going with mocha in my coffee mug, raising
it all to you in salute in my new I'm
doing this every week, getting a new Dollar store mug
every week. I've got quite the collection going. It's just
my thing lately. I'm loving it. How's your week been okay,
(01:08):
So last week we took our family Vaca, four days
out of town. I love this week. Every year kids
get to pick our travel destinations for our summer breaks. Okay,
So they get to pick our summer breaks where we're
gonna go for our travel and it is really fun
to see what they come up with. It has to
be in the continental US. One day we'll get to
(01:30):
Alaska and Hawaii. It's just not in the budget right now.
Not crazy about that long of a flight, to be
perfectly honest with you guys, last year Robbie picked Texas.
Remember all that stuff on Facebook. We had the best time,
went to the Alamo. We went to San Antonio. The
river Walk hands down, in my decades of traveling with
Victor before we had kids, after we had kids, the
(01:51):
San Antonio Riverwalk absolutely gorgeous. That town really grabbed me.
If you ever get a chance to go to San Antonio,
have fun with it, because we had a ball love
all the cities. We go to. San Antonio was special.
So this year Katie gets to pick and she picked
New York. Now, last year for school they had a
school trip to New York. I got to chaperone it
(02:13):
as well. We have the best time, so I was
thrilled that she wanted to return. That was such a kick.
So we just got back a couple of days ago.
We had a ball now. And then I did some
number crunching. Okay, according to Triple A, the cost of
an average four person vacation in the US to a
place like New York City should have cost upwards of
(02:34):
forty eight hundred dollars nearly five grand. Oh my god,
we did it for less than two thousand dollars and
we lived like kings. How do we do it? Far?
Far easier than you'd think. Touching on that first, then
going over our listeners favorite travel spots that they adore.
I love all of your Facebook feedback and all, and
(02:56):
I love that these towns that they're all listening are
known for or their beauty and their history and their
food and their inexpensive fabulousness, whether it's for their free
museums or the architecture, or their entertainment or their food
or all of the above. That's always the best one.
Then we'll do some dad and daughter talk real estate,
(03:18):
and then our top five tips for you, no matter
where you are, no matter the age, or the size
of your family, no matter where you're headed. To slash
the cost of your family's vacation this year, let's do this, Okay,
So this year we decided to go to New York. Now,
New York is a town unlike any other, and I
(03:40):
love visiting it, love coming home afterwards. I just always
appreciate you appreciate where you are, you appreciate getting back home.
New York has an energy and a fire and just
an incredible way about it. It's tremendous fun. I recommend
everybody do it. And the kids were old enough now
where we knew that we could go to places we
could touch on, places like the Nine to Eleven Museum,
(04:00):
which I very much wanted to go and pay homage to.
It's something that I've been wanting to do for a while.
I felt like the kids weren't quite old enough for
it before, but if they were able to see parts
of it and start appreciating the all of the history
of New York, we went everywhere. First things first, we
had to find a way to get there without breaking
the bank. Now we're in Philadelphia, so it's a quick
road trip. And one of the things I appreciate most
(04:23):
about slashing the cost of a trip. Slashing the cost
of your vacation, try making it somewhere within a two
hour drive of your home. Take out the airfare completely. Now,
if you simply must fly somewhere, I get it, it's
tremendous fun. Go and call the airfare experts we talked
about them in the opening, and get yourself some cheap
airfare if you're up for it. However, you're gonna find
(04:44):
that you slash the cost of your trip if you
simply do anywhere within a two hour drive of your home. Okay,
you might take a look at the map and realize, hey,
we've never been to XYZ, we've never been to ABC.
Let's go check that out instead. That is one of
the a number one ways to one hundred percent slashed
the cost of your travel, especially if you've got the
(05:05):
bigger family. And speaking as a mom, speaking as a parent,
you guys know that you've got the best kids in
the whole world. There's a special hell to getting on
a plane with your kids. They can be the best
kids in the world. I happen to be the proud
owner of two magnificent kids, and they traveled pretty darn
well on planes. They didn't cry, they didn't scream. They
(05:27):
love looking out the windows. They have a great time.
I have connected with so many parents whose kids, whose
beautiful kids were miserable with ear pain and were just
very discombobulated. They didn't like the feeling of the cabin pressure.
It was a miserable trip for them. So just a
little wiggle either way, just thinking about it. Stay outside
the box when it comes to travel. Try to do
(05:48):
it within a two hour drive of your home. You
will be saving huge on that. There you go, so
there's a number one next the hotel. I am a
hotel knob. I love saving money. Coupled with that is
my evil twin, the girl who likes to go to
very schwank hotels. Okay, I've had so many people say
(06:09):
to me this is such a compliment. I so appreciate this.
I've had so many people say to me, you have
to try camping. You'll save so much money. Camping is amazing.
I have such I sit up straighter in my chair
with respect for those who can successfully, happily, satisfactorily camp.
I don't own that DNA. I'm not the I don't
(06:31):
have that DNA where I can go camping and make
it a happy experience for other people. I need electricity.
You don't want to see me in the morning without it.
Me without electricity sleeping where I'm hearing all kinds of
crickets and I can't hear my fan at night. It's
just not a pretty picture for the sake of those
that I love. I don't see myself going really hardcore
camping anytime soon. I have such respect for people out there,
(06:54):
who will, you know, open up food and maybe heat
up soup over a fire. It sounds so nice and
so romance, and let's face it, we all look really
good in campfire light. I look hot. I mean, I'm
sure I look pretty darn attractive in campfire light compared
to the harsh, you know, glow of whatever sort of
incandescent lights I take as an option. However, camping is
not a level I'm going to take my vacationing to.
(07:16):
I'm the opposite. I'm the one that likes to, you know,
tell people save money, save money, save money. And then
the instant we're traveling, I have to have a fancy hotel.
What do I mean by fancy? Here's what I mean.
I need at least two bedrooms. Love the two bedrooms
because the kids will sleep in one and then Victor
and I will sleep in the other. And this can
be a pull out on the couch and the separate bedroom.
(07:38):
So we could do a one bedroom with a nice
little seating area and then Victor and I can hang out,
you know, can hang out on the pullout. So there's
two separate bedrooms. That works. Now. This last trip, Victor
not only delivered with this incredible hotel room, he got
us a two bedroom, two bedrooms with closing doors and
a beautiful seating area with a big and a kitchen,
(08:02):
which quite honestly, I adore. I've heard from some people
men women are like, how dare you put a kitchen
in my hotel room? What do you think I'm gonna do?
Cook on my vacation. Hell's yeah, you're gonna cook on
your vacation, and you're gonna save some serious cash while
you're doing it. Now, here's the thing. I barely picked
up a pan while I was in there. I did
a grilled cheese for Robbie, I did some Texas toast
(08:23):
for Katie. The vast majority of the time other people
were serving me food and I was loving it. Make
sure you pick a hotel room that has a small
kitchen there, especially a refrigerator, a microwave. Huge extra points
if you have a range and a nice little sink. Okay,
we saved tons bringing loads of snacks down there, and
(08:45):
then we coupled that. I cannot believe this hotel Victor
found us. I'm not gonna name it out loud because
there are a lot of them out there. Don't want
to give one short shriped and you know, give the
other one attention when you know they're all fantastic. Go
out there and start researching this, but see what you
can do get onto. Triple A knows what it's talking
about when it comes to this. We went on a
Triple A where we have been proud members for so long,
(09:07):
found this hotel. So now we've got a two bedroom
in addition to a large seating area, two bathrooms, a
full kitchen, a small kitchen, but a full kitchen. Nonetheless
that we stuffed full of food and Victor, goddess of
this is so beautiful. A lot of hotels these days
have the free breakfast, which of course is rolled into
(09:27):
the price of the hotel. We go down for free
breakfast every day and a family of four saving huge
cash during the during the course of a four day vacation.
This one also had a free dinner bar. Now we're
not talking steaks. Don't go over the top, don't lose
your mind. But when we're talking about these hotels putting on, say,
a free soup and salad bar every night, guess what
(09:49):
that's dinner. My kids love soup first of all. They
love a good loaf of bread, and that came with it,
you know, huge loaves of bread there in this place too, Crackers, sodas, drinks, chip,
everyone's needs were filled and the cost of breakfast and
the cost of dinner were all rolled up into one
inside our hotel room that we got for a huge discount.
(10:10):
You know why, when you stay in I know we
gotta wrap this up. Give me thirty seconds. When you
stay deep in the heart of New York, you're going
to pay a small slice of your soul to do that.
Here's what you do. You go about fifteen minutes out,
whether it's a fifteen minute drive a fifteen minute train ride,
you head on out of there. We went to a
hotel fifteen minutes away from the city. Our windows had
(10:32):
a beautiful view of the city skyscape, and we paid
I think easily fifty percent less than what we would
have paid otherwise. So our four day ak, which should
have cost five grand for a family of four, cost
only two. And we're going to go over more details
on that right after this not too the best.
Speaker 2 (11:10):
And we are back with the Christian Agopian Show. And guys,
you ready for these numbers. Approximately six million kids in
the United States have food allergies. And now I'm aware
of food allergies. Of course my kids. I'm the proud
owner of two kids, beautiful kids. They don't have any allergies.
I always lucked out with that. But those numbers blew
me away. Maybe they surprise you too. And here's more.
(11:32):
More than two million, two million kids likely experienced a
severe reaction at some point. And if you were the
kind of like mom of bear helicopter mom that I am,
the idea of your kid experiencing a severe allergic reaction
almost is enough to make you break out in hives, right,
am I? Right? So despite the clear link between early
(11:52):
epinephrineus and better outcomes, I mean again, my kids didn't
have allergies and even I had an epinephrine shot in
our house and our little tool kids whenever we needed it.
Never used it, but good to know what was there.
Research shows approximately forty percent of patients delay treatment and
fifty six percent of caregivers fear using needle based autoinjectors
(12:16):
on their child. I got to give some respect to that.
I'm hugely needlephobic. But again, the mama bear always seems
to win. But with summer break quickly approaching, thank god,
and the new back to school season, you know are
going to be here in a blink, now is the
time for parents to talk with their healthcare providers about
something amazing. Guys, looks us up. It's called Nephi. Neffy,
(12:37):
go to nephi dot com as we're doing this year
if you're not in the car, if you're listening from home,
joining us to discuss the impactus of beer allergies and
how NEPHI is a new stage in helping kids, helping parents,
helping caregivers treat the first symptoms. This is fantastic stuff.
Joining us there our Newsmaker line immunology expert, doctor Nicole Chase,
(12:57):
to tell us more.
Speaker 3 (12:58):
Welcome, Doctor Chase, thanks so much for having me.
Speaker 2 (13:01):
We are delighted to have you on here, and again
for all of the helicopter parents and grandparents out there,
we salute you in advance. But talk to us a
bit more about the causes of these I think you
call them like type one alert reactions, including anaphylaxis, and
about this fantastic nethy that we can use.
Speaker 3 (13:20):
Yes, so we see a lot of patients that have allergies.
Very commonly, allergies are to foods, so different things that
you might expect like peanut, tree, nuts, shellfish, et cetera.
Venom is another very common cause of allergy, so insect
sting reaction. And you know, we tell patients that if
you even think you're having an allergic reaction, really the
(13:42):
number one thing you can do is to stop that reaction. Immediately,
stop the symptoms, stap the progression. And we advise patients
to do that by using epinephrine. And as you mentioned,
historically we've only had these epinephrine autoinjectors where patients kind
of have to jab themselves or get a jab from
someone else to get this medication. But now with nephi,
(14:02):
this epinephrin nasal spreak they can actually use this to
treat allergic emergencies, including that life threatening version of that,
which is called anaphylax.
Speaker 2 (14:11):
Yeah, it's amazing, and I'm thinking back. You know, my
kids are now, you know, they're twenty one and eighteen,
but when they were younger, and when I was, you know,
the homeroom mom, and we were always doing birthday parties
for kids and having so much fun. These kids are
just great. But we had one kid at least in
every class who was allergic to something. And we had
one gorgeous kid, now not allergic to anything, believe it
(14:33):
or not, he outgrew them all, but at the time
he was allergic to gluten and you know, wheat in general,
and you know, everything else. You can get peanuts, everything else.
And you know, negotiating any kind of social events when
it's a guest, much less your own kid, it can
be a little overwhelming. And you've got people out there
wanting to navigate this without wrecking their kids fun. But
(14:55):
go into a little more detail, if you would, about
the day to day in pact, so you know these
types of beer allergies on young kids and their families.
Paint a picture for us if you.
Speaker 3 (15:04):
Would you know, it's really the equivalent of having another
full time job, having a child that has a food allergy,
or even having one yourself. I mean, you know, this
is America. Everything we do is expressed through food. If
you're feeling happy, we want you to eat something. If
you're feeling sad, maybe you should eat something to cheer up. Right,
So when you think about sitting down to a meal,
we do this numerous times a day. There's always snacks available.
(15:28):
Everyone that has food allergies is every single time they're
doing that, they're thinking about does this contain what I'm
allergic to? So you can imagine how even as a child,
at a very young age, these kids grow very quickly,
their parents become very hyper vigilant just because they want
to do everything they can to prevent these reactions from occurring.
And what we really try to do, and what we're
(15:48):
trying to do more and more is is to take
away that fear factor, to really empower patients and families
to realize that look, accidents happen, even through the best
of our abilities to avoid exposures. But if an accidental
exposure happens, if you use epinephrine, things will be okay,
And this is where Nephew really comes in. It's approved
(16:09):
for children and adults four years of age and older
who weigh thirty three pounds or more. It's very well tolerated.
The most common side effects are nasal discomfort, headache, and
running nose. And really what we're using is is this
little delivery device where you just inserted into the nostril
and depress a little plunger and it delivers that exact
same epinephrin, but in this form that's been optimized for
(16:30):
nasal absorption. It's very very small, so it fits into
little pockets or backpacks and things. And one of the
best features I think about Nephi is that it actually
can go where we go, so summers where you have
kids that are outdoors spending time at camp or wherever else,
and this actually is has been able to withstand temperatures
(16:52):
as high as one hundred and twenty two degrees fahrenheit.
So really, with Nephi patients and pear givers, providers, et cetera,
they can take it everywhere with them, which makes it
much more likely they'll actually use it when they're having
a reaction.
Speaker 2 (17:07):
Oh that's brilliant and I'm taking notes as you're talking
here because you're bringing up so many important points. I
love the temperature, the variability on that, the fact that
you know, clearly people in the American Southwest, you know, Arizona,
those temperatures said that kind of thing. It's perfectly fine
for them. What I think is going to be your
biggest hook is the fact that this is needle free.
It's the new evolution in this. You know, incredibly effective
(17:31):
treatment for this, but I think the needle puts a
lot of people off. I've got you know, I've got
precious few phobias, and I'm fine taking a needle, but
giving a needle to someone else, I will go dear
in the headlight. So this is now a fantastic new
offering with this, it's a head You must have been
getting a phenomenal response to this. What's it been like? Yeah?
Speaker 1 (17:48):
Absolutely.
Speaker 3 (17:49):
I mean I think that sometimes people are just shocked
that this is even available, that you know, but when
you think back, we're like, oh gosh, why did this
take so long? But I do think that now we
are seeing this next generation of patients with food allergy,
especially in children who may not ever remember the days
of when we had to use an autoinjector. To them,
it may always be oh, I just take my nasal
(18:10):
spray then. So I think that for many people this
has really given them. It's a switch right from being
fearful all the time to really giving them that feeling
of empowerment to giving them that control back so that
they know that, gosh, you know, even if an accident happens,
I don't have to lose my cool. I can say
I've got what I need to use. I can even
administer it myself. We've had children as young as ten
(18:32):
years of age be able to self administer this medication,
and really, I think that that makes everyday life just
a little bit easier knowing that you've got it, your
antidote is right in your pocket.
Speaker 2 (18:43):
Brilliant and I knew the time would fly. Where do
our listeners coast to coast go to learn more about this?
Speaker 3 (18:48):
I think you mentioned it already, which was great, So
nefi dot com is the place where if people want
to learn more right now, they can go there. But then,
really this is the time to start thinking about making
that follow up appointment with your allergy specialists over your
action plan. Get those epinephri and refills and then really
get that confidence from the providers that we can instill
in families to know that they're not alone, they can
(19:09):
do this and actually that they have a lot more
control over their allergies than they may realize.
Speaker 2 (19:15):
Brilliant.
Speaker 1 (19:15):
I love this.
Speaker 2 (19:16):
I love our medical segments, and you've broke it down
for so beautiful immunology expert doctor Nicole Case. You've got
an open mic anytime, please join again and you can
and have a fantastic summer.
Speaker 3 (19:25):
Thank you. Saining to you that we'll be.
Speaker 2 (19:27):
Right back gang right after this.
Speaker 1 (19:37):
Tolone and we are back with the Kristen Agophian Show.
Half past the hour. You know what that means. Time
for another fabulously educational boiling down all of the info
into usable information for all of you. Dad and daughter
(20:00):
talk real estate with the highly prepared gentleman to my right,
John Harriet aka Dad.
Speaker 4 (20:06):
Welcome back, sir, Thank you very much, Chrissy. It's always
a pleasure to be here and talk to your audience
about real estate. It's a subject I love and the
subject I think I know some things about. And folks,
if you have any questions at all about real estate.
I'm only licensed to practice in Pennsylvania and Delaware, but
I can answer questions anywhere in the country. And as
I say, I give free advice that's actually worth.
Speaker 1 (20:26):
Something, that's right, very much worth something. Guy's call or
text anytime you've got questions, Dad's got the answers four
eight four five seven four four zero eight eight.
Speaker 4 (20:36):
And I could even do that in Norwegian if I
wanted to like this or not me, but I probably
won't do that.
Speaker 1 (20:40):
I had Spanish forever. I couldn't even do it in Spanish.
Speaker 4 (20:42):
I was when I was a kid growing up in
South Dakota. For some reason, every one of us learned
to count to twenty in Norwegian.
Speaker 1 (20:47):
We had you.
Speaker 4 (20:47):
I can only remember five. Anyway, we're going to be
talking today about some generic stuff that's happening in real
estate cool in general, no matter where you're located in
the United States. Safe in making this statement for ninety
five percent of the country at least, and that is
that now is the best time you were going to
see for the rest of your home buying lifetime. Yep,
(21:09):
to make that first buy or to make that move
up by it, I agree that is just that is
just the nature of the beast. That is where we're at.
Speaker 1 (21:20):
We were talking before the break. Every week you come
out with these great i mean hot off the press's
numbers and reports straight from pure data coast to coast.
The numbers have been unbelievable. Yet again, we thought they
were great last month, but they've taken a phenomenal spike
this month. And that's even despite you they had some
new laws that were coming out regarding luxury properties that
kind of thing as well, And it doesn't matter that
(21:40):
we're just steamrolling all the information and people are even
more bullsh about houses than ever.
Speaker 4 (21:44):
It's great stuff, for example. And I think part of
this was the the Trump derangement syndrome that came out
after the new tax laws were passed, and people were
looking for any reason, any reason to criticize the tax
law and criticize the president.
Speaker 1 (22:00):
Crazy.
Speaker 4 (22:00):
They're unwilling to give you credit for anything that is
that is right. One of the things that came out
was that, oh my god, the impact on expensive homes
could be detrimental with a limit on the mortgage interest deduction,
raising taxes for those that itemize.
Speaker 1 (22:15):
And I kind of had a fear that might happen.
I mean, it kind of made sense to me that
it might have a lowering of the enthusiasm for the market,
that kind of thing. But I'm so delighted that it
really hasn't.
Speaker 4 (22:24):
Gone that way. Yeah. And by the way, the fact
that tax deduction on homes is now only deductible up
to a limit of ten thousand dollars. Yeah, that is
going to raise the taxes for some people who own
more expensive homes. You don't have to have a hyper
expensive home. Reading over up to around half a million
dollars are over, which isn't hyper expensive anymore, is probably
(22:46):
about the breakoff point where you're not going to be
able to deduct property taxes anymore. Now, that was offset
I think in large part, maybe in total, by the
fact that the standard deduction was doubled.
Speaker 1 (22:56):
Yeah, I agree, But.
Speaker 4 (22:58):
Still there were some people who were, oh my god,
this is going to be very, very detrimental for the
luxurious home market.
Speaker 1 (23:04):
Yep.
Speaker 4 (23:05):
For example, Mark Sandy Moody Analytics Cool Westchester guy here
said the impact on house prices is much greater for
higher priced homes, especially in parts of the country where
incomes are higher and there are thus a disproportionate number
of itemizers and where homeowners have big mortgages and property
tax bills. I'm pretending I'm ted back to doing shall
(23:25):
remember if used to come on and have all this pompous.
Speaker 3 (23:28):
I love that.
Speaker 1 (23:29):
So that was so great.
Speaker 4 (23:30):
And the National Association of Realtors predicted price declines in
high costs, higher tax areas. They forecasted appreciator of six
point two percent in New Jersey and four point eight
percent in Washington, D C. And New York.
Speaker 1 (23:41):
You can see with that, actually.
Speaker 4 (23:42):
Folks, prices have continued to go up in those higher
priced homes, numbers of sales that continue to go up
in those higher priced homes, so that hasn't actually happened.
Speaker 1 (23:50):
And the speed with which they're selling coast to coast,
that's what blows me away. We thought that, you know,
thirty days, forty days, and it is. That's a great
number as well, But now that's even ticking up even
more to even faster, and that just blows me away.
Speaker 4 (24:01):
Yep, it is. But the luxury home market appears to
be strong, I think, and there's no question if you
just looked at that one impact, that one factor, the
fact that you used to be able to say, if
you had a twenty thousand dollars property tax bill, now
you can only deduct half of that. Looking at that
in isolation, is going to raise your taxes, which means
(24:21):
it's going to raise the price of owning a higher
priced home, which means that that price should actually come
down basic laws of economics. If you charge more for something,
you're going.
Speaker 1 (24:29):
To sell less of them exactly.
Speaker 4 (24:31):
However, there's other things that are that are entering in here,
like how secure do people feel about their job exactly?
How much income do people feel they're going to be making.
Do you feel about the stock market. There's a whole
meriative factors and those are also entering in and I
think are overriding the fact that we do have this
limit now on the mortgage interest, on the tax deduction.
Speaker 1 (24:52):
Yep, spot on good stuff, So that that.
Speaker 4 (24:56):
Is the deal on higher priced home So far, the
impact on higher priced homes has got to be depressing
it a little bit. But there are other factors like
people's overall confidence in the economy, their own feeling about
their own jobs.
Speaker 1 (25:09):
If they're paying off debt, yep, they have more debt
to play with. They want to be buying out overriding
that that's so cool that it's very refreshing and reassuring
to hear good stuff.
Speaker 4 (25:18):
And the real estate market, the overall real estate market
and the continental of the United States is still very,
very healthy. For example, days on market dropped to a
new low in April. The average days on market for
a home that or median days on market I'm sorry
for a home that went on the market dropped down
to twenty six days on the market, which is a
(25:38):
new I think all time low.
Speaker 1 (25:40):
That's incredible, new all time prices are good too, I
mean that's.
Speaker 4 (25:44):
Always and then the prices are going up at the
rate of five six seven percent a year, wow, which
is probably overheating a bit, which means that that can't
last forever. But right now, that is what's going on.
Speaker 1 (25:55):
Yummy.
Speaker 4 (25:55):
Now, What that means is median days on the market
twenty six days. What that means is from the house
comes on the market until that seller has an agreement
of sale. The median number of days is twenty six.
That means that half the houses on the market took
longer than that to sell. Half the houses on the
market took less than.
Speaker 1 (26:12):
That for self, imagine half the but just hearing those
words half the houses on the market took less than
twenty six days to sell. That is wicked cool. I
think that's a real to term, wicked cool.
Speaker 4 (26:22):
The last I hadn't heard that one before. It's the
last house that I listed and sold was on the
market less than a day. Wow, was on the market
less than a day.
Speaker 1 (26:31):
Now.
Speaker 4 (26:31):
I think that's due to the way I market the
home and a certain amount of luck and the fact
that we're very attractively priced.
Speaker 1 (26:37):
You make your own luck.
Speaker 4 (26:37):
But the median days on the market down to twenty six,
and that is indicative of a very very healthy real
estate market with rising prices. So, folks, if you are
in the market for buying your first house, that speed
on the real estate market and the fact that prices
are going up says now is the best time you're
going to have. And I know I'm repeating myself, but
this is very very important. Now is the best time
(26:58):
you're going to have for the rest of your home
buying lifetime to make that first buy.
Speaker 1 (27:02):
Yep, and just get in there and do it. One
of the many things your segment does each week is
it boils down all of the blessed blankety blank noise
out there into very distilled, usable, exciting information. And from
there you got one more step to take, and that
is to kind of overcome very normal, very healthy trepidation fears.
You have maybe your own backstories with regards and use
it to your advantage. All the stars are shining in
(27:25):
your favor right now. Make the next step to call
the bank, the bank that needs you more than you
needed that bank. Call a realtor who only gets paid,
and when you are one hundred percent delighted, put them
both to work and make that dream of home ownership
of reality. It's exciting stuff.
Speaker 4 (27:39):
Amen. Amen, brother, Amen, we should have a revival meeting
under a tent someplaces. That's right, talk about real estate.
But folks, I said, if you don't own that own
your first home yet, make sure you get in the
market and then get that done. Or if now is
the time to do a move up by say that
you bought a house. The family has gotten a larger,
(28:00):
You've now got two cars instead of one. Kids are growing,
you need a bigger backyard. Maybe you need a place
to put that swimming pool. Yep. Maybe you want to
get into a different school district, all those things. You'll
never have a better time for the rest of your
home buying lifetime to do it than right now. Love it.
The combination of the fact that prices have gone up. Yes,
not as good an opportunity as it was six months
(28:20):
ago or a month ago. Even it's a better opportunity
now than it's going to be six months from now,
a year from now.
Speaker 1 (28:26):
And that's what you want to think about it.
Speaker 4 (28:27):
And that's the combination of the prices. Yep. Interest rate
for mortgages, where do.
Speaker 1 (28:32):
You see that going? Honestly, interest rate for.
Speaker 4 (28:34):
Mortgages, well, I've been surprised. For the last five years
I have been predicting that interest rates were going to
be going up. Yeah, all the signs were that, yes,
the interest rates are going up. Now for about the
last two or three weeks. The ten year Treasury note,
which is what kind of drives the real estate mortgage rate. Now,
what that means is that people who are buying ten
(28:56):
year US Treasury notes are willing to accept the lower
turn than they were a month, two months, three months ago.
Speaker 1 (29:02):
Now.
Speaker 4 (29:02):
I'm certainly not an expert in what drives mortgage interest rates,
but the fact that the ten year Treasury rate is
coming down, maybe mitigating and saying that the interest rates
are not going to go up as fast as we
thought they were, But I do think they're going to
be going up because as the economy, money is like
everything else, the cost of money is dependent upon supply
and demand, and as the demand for money goes up,
(29:23):
the need for investment goes up. Money is going to
cost more because people are going to be asking for
more loans go It really is that basic. Now that
a lot of money have been parked overseas, yes, that
is going to be coming back tax free. That's a factor,
But the basic math is that, look, prices are going
up yep, Mortgage interest rates are probably going to be
going up. All of that means is that now is
(29:44):
the best time you're going to have for the rest
of your home buying lifetime to make that first buy
or to make that move up. By If you are saying, well, gee,
you know my house is going up at the rate
of five to six percent a year. That means I
can sell it for more a year from now than
I can now, Well, yes, that's true, but that house
you need to buy to move into. We all need
to live someplace. We got to fish. That size this
kid is going to be is going to be higher
(30:04):
also so. But the only people who I think have
got a question about timing their sale and then move
out are people who are downsizing or have already bought
their retirement home. And for them, if it makes no
difference whether you're going to be moving in a year,
two years, three years, five years, and it might make
sense for you to hold on to your property because
you will be able to sell it for more yeah,
(30:25):
future years. Substream, jump in the water.
Speaker 1 (30:28):
Fine e zact, can't wait here, you have the next week.
Good stuff, guys, stay tuned. We'll be right back right
after this, and we are back with the Christian A
Goopian show detailing how the Hagopian family trip to New York, which,
by all modern expert standards I always go to triple
(30:49):
A for these estimates should have cost at least forty
eight hundred dollars close to five grand. We did for
the exact amount of let's see, it looks like nineteen hundred,
just under two and we did it living like kings,
We ate like kings. We had a beautiful hotel room,
we had a fantastic view out of our hotel room
at the gorgeous New York City skyline, and we did
(31:11):
it for less than half of that, and we did
it pretty darn easily. Brief recap. Stay at least fifteen
minutes away from the big city that you're trying to visit,
because the hotels close by, through no fault of their own,
real estate's super expensive out there. Get yourself fifteen minutes away,
fifteen minute drive, fifteen minute train ride, still keep your
(31:31):
view of the city, and you're paying at least half
that in the costo hotel room. Next, try going to
cities within a two hour drive for me, other people
are saying four hours and people are happy driving six hours.
Salute to you. Knock yourself out, decide what your personal
best is with regards to a drive time, and drive
there instead of flying. Much less chance of lost luggage.
(31:56):
You're going to be pretty pleased at the stuff that
you see along the way too. Starting to appreciate the
long drives again. Remember when we're kids and we would
do anything to avoid a long drive. Well, I've got
great kids who really don't canvetch too much when Victor's
behind the wheel and we're driving somewhere. Two hours seems
to be a really good amount of time for us,
but they've gone, my god, four hours, six hours in
(32:17):
the car. Decide what your family's up for. Go for it.
Get yourself a hotel room with a full kitchen. Knock
yourself out with the refrigerator. You got the fruit in there,
you got the snacks in there. And here's one of
the biggest things. This is pretty prevalent out there, so
it shouldn't be hard to find. Get yourself a hotel,
deal with the free breakfast and extra points, and then
(32:38):
load up at breakfast. Obviously, this is no time to
be dainty, use your best table manners, but chow down
like King Henry, okay, because that's free. And then we're
talking about a nice little dinner as well, the soup
and sandwich, the soup and salad, whatever they've got there.
I am digging that that's going to be my new normal.
That's going to be what I want from now on.
Is not only the free breakfast for Chris, but the
free dinner as well. Because also by the time you
(33:01):
get back to the hotel and you're thinking about dinner, oh,
we should probably think about dinner. You've probably been snacking
all day in your travels. You're probably not really in
the mood for anything that heavy. You've got tons of
snacks in your room. These hotels have got their finger
on it. Man soup and salad, some rolls, some crackers,
something for everybody. It is brilliant. I love it, love it,
(33:23):
love it, love it. When you get to these locations
where you're going to visit, you don't have to buy
something super uber pricey at the gift store. They suck
you in. I swear to God, they have their own
planetary gravitational force to suck you and the ones you
love straight into them. For a book that's about six
times the cost of any other book in modern society,
(33:43):
or a little choschki or a little he here's a
rock from this space. You know it's going to cost
you ten bucks for a rock. Hey, it's only ten
bucks for this rock. Your brains just go a little
mushy inside these gift stores. Avoid them. Partner up, buddy up.
When one of you starts to get the glazed eyes,
have the other one pull you out there. Don't go
for a lot of the expense of Tchotchki's moving on,
(34:04):
Moving on and getting yourself into a city where there's museums,
there's free places to go. A lot of times, the
travel itself, ubering your way across New York is not
a free activity, but it's not as bad as you
think it would be. And once you get there, walking
around it's free. So get yourself to a place where
you've got the museums free, going to radio city music
(34:26):
hall free. We could have spent hundreds on tours. We didn't.
And here's another thing. If I can understand the train
lines in New York City, USA, anyone can understand the
train lines all right, there are a zillion options because
there's a zillion people living there. Learn the train systems
and save yourself huge. Here is one more thing I
(34:48):
wanted to make sure we got here. I wanted to
make sure this got covered everybody out there. You've got
your credit cards, you've got your celebrations coming up where
you receive gifts, You've got all kinds of stuff going on.
All of us have pretty much everything we need. What
am I getting at? Here's what I'm getting at. When
you start asking for things for holidays or for gifts
or for anything else. Go for gift cards to your
(35:11):
favorite restaurants, for the hard rock, for maybe even a
visa gift card that you can spend somewhere else. We
blitzed through so many gift cards for say, you know,
any restaurants or coffee shops or gas stations or anywhere else.
We were blowing through them because honestly, we don't have
(35:31):
a lot that we say to people that we'd like
for gifts. We have already got it all. We are
blessed beyond measure and we know it. And people want
to give you a little something for an anniversary, for
a birthday present, and you'll get a gift card to something,
make sure it's a gift card for something you're going
to use, and use the heck out of them on
your vacations because you're gonna find that, hey, no where
(35:52):
you usually wouldn't spend more than five bucks for you know,
lunch for your kids, but that's the cost of one
hot dog in New York. You're going to be spending
some cash here and there when you can, when you're
going to restaurants, when you're going even to nationwide booksellers.
There's Barnes and Nobles in New York just like anywhere else.
If you already have Barnes and Noble gift cards, your
kids are going to have some fun. You're going to
(36:12):
have some fun buying books in New York, and it's
not going to cost anything compared to if you hadn't
planned for that sort of thing. And now for the
last two minutes, we got to get to this. Listeners
sent in their favorite frugal destinations for VAKS this year,
and I love them. Number one, in no particular order, Biloxi, Mississippi.
I've never been there. I want to go. It's the
home of our Super Talk Mississippi stations. So when you
(36:34):
think of gambling destinations, we're here near Atlantic City. We've
got our Las Vegas listeners, they might come to mind,
But Biloxi on the US Gulf Coast has no less
than two dozen casinos. If that's your thing. I'm not
much into gambling because for me, it's like throwing money
into the wind. I have no skill, therefore I don't
play that much. However, if you do, and you're better
(36:55):
than I am, and it's something that you have fun with,
knock yourself out. Biloxi, Mississippi. Next step. I love these towns.
Oklahoma City, Oklahoma, home of our listeners at KTLR eight sixty,
nicknamed the Big Friendly because visitors find it hugely budget friendly.
The history, the food, the landmarks, the Oklahoma state capital.
People highly recommended, all kinds of the National Cowboy and
(37:18):
Western Heritage Museum, all kinds of free museums, beautiful stuff.
Next up, Branson, Missouri. Never heard of Branson, Well how
about the Titanic. Branson has a museum built like a
replica of the unsinkable ship air quotes where you and
your significant other can pose for once in a lifetime photos.
If you have that kind of guy that'll pose for that.
That sounds like fun. Not sure I can get Victory
(37:39):
into that, but he loves his Titanic history. Maybe we
can get him there for that. And we have time
for We've got to do another show on this. We
have got to do a show on this. All of
these great places to go. Daytona, Florida, fans of Nascar.
We have a lot of listeners who are fans of Nascar.
They adore Daytona and say it doesn't break the bank. Raleigh,
North Carolina. I have friends who go to Raleigh every
(37:59):
single year from here in the Philadelphia area. They've got
family down there. They rave about it. There's so much
to do, free museums, all kinds of great food, wonderful people.
When they recommend it, I want to hear from them,
and I want to get there someday myself too, So
stay tuned. Dallas Fort Worth, Texas. I have been to Dallas.
Some of the nicest people you've ever met in your
(38:21):
entire life. And authentic cattle drives, big city attractions in
the Dallas area, all kinds of history. That's the kind
of thing I'm talking about. We will do another show
courtesy of all of our listeners' ideas. The time has flown, guys,
until next week. Save those pennies, pay with cash, and
you all stay frugal out there, small and not too
(38:44):
the best of them all.
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