Kristen Hagopian Show - 06 11 25

Episode Transcript

Speaker 1 (00:08):
And we are back with the Christen Agopian Show. And
as the proud owner of a daughter and a son,
I have really been looking forward to our next guests. Now.
My kids are air quotes blessed with a mom and
dad who love sharing tried and true ways of saving
money to our kids. So they've had a lifetime of

(00:30):
loving in your face frugality as few others have. However,
as we put graduation season to rest and get the
kids ramped up for their summer fun and maybe their
summer jobs, I'm hearing that you guys ready for this.
I'm hearing that new research found ninety three percent of
teens field they benefit from improved financial literacy skills to

(00:53):
help them achieve their life goals. That is a big
admission from the next generation, and we are all too
happy to help. But how do we do it effectively?
You know what I'm saying. Joining us via our Newsmaker
line is Macromata, the head of Family, Student and Starter
Banking for Chase Bank, my very bank, to share his
tried and true tips for students to help them prepare

(01:15):
for financial responsibilities. This is great stuff. Matt, Welcome to
the show.

Speaker 2 (01:19):
Thanks Kristy, it's.

Speaker 1 (01:20):
So great to have you here. Now, I know I'm
preaching to the choir here, but in a day and
age where we're teaching kids how to put condoms on
bananas and all kinds of other stuff, why is in
financial literacy being taught in schools?

Speaker 2 (01:33):
First of all, Luckily it is more and more in
many places. But you know, money is a taboo subject
in lots of places, not including most families, and so
it is a tough thing to talk about. That's it.
Seventy Our research shows seventy percent of parents are talking
about basic money habits with their kids, which is amazing,
but it also means that thirty percent are not. And

(01:57):
so the takeaway here is it is never too early
to start those conversations.

Speaker 1 (02:02):
Yeah, you're absolutely right, you know, and I think I
have a couple of years on you. I'm like a
happy nineteen eighties graduate, high school graduate, and in that
day and age, you know, they're teaching everybody, but maybe
especially more towards the women. They were saying, you know what,
don't be old fashioned, don't be old school, don't worry
so much about saving money. Forget the home mech classes,
forget the cooking classes. Just focus on earning more money,

(02:26):
and you can understand the motivation behind that. I can
certainly understand that. But then it finally comes to time
as you evolve your financial life and you evolve your
financial experiences, you go into your thirties, you maybe get married,
your forties, your fifties, you're having kids. You start to
realize that it's more of a balance, and financial literacy
isn't just about going out and earning more. Sometimes those

(02:47):
opportunities aren't out there, and it's your skills in saving
money that can be the game changer between a foreclosure
notice or your basic sanity in general. And as this
new crop of high school and college grads blessed them
prepare for the next phase of their lives, you've got
such a good bird's eye view as to what people
need for this stuff. Give us maybe the top couple

(03:09):
of biggest hits of financial advice that you have, maybe
both for the students and maybe for the parents, the
exhausted parents of these students as well. What are you
thinking these days?

Speaker 2 (03:21):
First of all, I could not agree more with everything
you just said. Yes, earning but also saving and also
spending mindfully right. We loved your no debt approach. Yes,
So here are three things that parents can think about,
and the three things are the same whether you've got
a kid in middle school, a kid in high school,
a kid in college, or perhaps they're starting their first

(03:41):
job after high school. Obviously the way we do this
is a little bit different. But number one, make sure
that they have a bank account that is right for them.
Your bank are Bank Chase. We have an account that
was built for high school students and one that was
built for college students. And if they're not going to college,
we have fantastic counts for them too. So number one,
make sure that they have a bank account that's right

(04:03):
for them. Number two, have those conversations about saving and
spending habits. I don't know about you, but I have
found in mind life that it is so much easier
to keep a good habit going, or at least try
to then break a bad one. So starting early to
think about how do you put money aside effortlessly without
even thinking about it, and spending mindfully. That's number two,

(04:27):
and that comes into as the kids get older, starting
to talk about a budget, starting to talk about how
you manage your money right, even talking about those potentially
scary moments or where you've made a mistake can be
so powerful with your kids. Number three, we know our
kids have mobile phones in their pockets all the time.
Often feels like they're attached to their hands. So make

(04:48):
sure your bank has great mobile tools. And what I
mean by that is tools that help them track their spending,
set savings goals, ideally at a budget, if they're old enough,
keep an eye on their credit score. All that stuff
right in the palm of their hands. It changes the equation.

Speaker 1 (05:08):
I love this. I love every single thing you're saying.
I'm frantically scribbling as you're talking because I want to
touch base on so many of these things you're talking about.
You were so spot on. I mean, my god, again,
I've got a couple of years on you, but I
remember the day and age where I got my first
bank account when I was in elementary school, with the
bank book with the handwritten in ink stuff. I mean,
it belongs in a museum with a loraa Ingele's Little

(05:29):
House on the prairie wagon wheel. Compared to these apps
these kids have on their phones these days, It's hilarious,
but we hear it's exactly as you say, Matt, I mean,
we hear more and more about the importance of teaching
kids about establishing a banking relationship kind of early on.
I think it's intimidating for all of the ways these
kids are so comfortable with all these apps and all

(05:50):
these various things that I'm still a little deer in
the headlights with establishing a banking relationship. It kind of
has it gives them pause. You know, why is it
so important to start that banking real relationship early on?
Give me some stats on that. I mean, I live
for a good set of stats. What's the latest numbers
telling you on that?

Speaker 2 (06:06):
So we know that that a bank account, really, despite
all that proliferation of apps, right, the bank account is
the center of their financial life. It's that foundation, right,
and that foundation can be there whether they're frankly a
little kid or they're headed off to college, headed off
to that first first adult job. So we see that
in our research. And let me give you a statu

(06:28):
around college. So we talked to college students and seventy
one percent of them thought that financial literacy was more
important now that they were in college, right, And so
the need for financial literacy is growing. But if you
have that bank account as a foundation, that is critical.
That other piece is and I've mentioned, but I want
to come back to you, which is starting conversations with

(06:50):
your kids, helping them to understand the habits you have,
but also habits that could work for them. Let me
give you an example of one is that where habits
me tools. I don't know about anybody else, but it
can I find sometimes it can be hard to think
about how to save because you have to think about it, right,
what if you didn't have to think about it? So
Chase as a future called auto save, and look other banks,

(07:13):
other apps have similar things. Auto save is built to
set it and forget it. You turn this on, you say, okay,
every time I get paid, I want to put X
dollars aside, or I want to put why percentage of
my paycheck aside? You set that up once, Kristen, and
you never have to think about it again. Talk about
an easy habit.

Speaker 1 (07:34):
Oh, it totally is. And again now, and this is
something we're I'm reaching back to a past point because
you just brought up something that I wasn't even thinking
about talking today. But today's world works primarily online, and
there's so many different ways to save. There's so many
different ways to budget. But the more you kind of
scratch the surface, don't go wide eyed at the idea
of an app or whatever else, because what I have

(07:55):
to keep reminding myself of, Matt. I might be alone
in this, but I don't think I am, is that
every successive new generation of apps and new generation of
software is not only more user friendly, but more safe.
It's more secure. Every single generation that comes, you know,
after the one before it is a little more working
in your favor with regards to the ease and you know,

(08:18):
set it and forget it and the security of it.
You've got a lot of people from even ten years
ago saying, oh, you know what, it just doesn't sound secure,
It doesn't sound whatever. Talk to your local Chase Bank rep.
They live to talk about software. It's something where it's
becoming less and less. You can't argue with it anymore.
It's just too easy to do in this day and
age where you can't say, oh, that's so easy to do.

(08:39):
Precious few things you can say that about, but this
is one of the things you can. And starting early,
I mean, is one of the biggest things. And I
knew the time would fly, but I got to get
this in. You can probably hammer this home better than
I could. Starting earlier rather than later can make the
difference between unbelievable ease and life come, retirement time come,
you know, getting out of college, you've got a beautiful

(09:00):
little newborn in your hands, whether it's your kid, your grandkid,
a friend's kid, whatever, you want to help them out.
Starting earlier, The exponential difference between starting earlier, you know,
compared to maybe starting in your forties, fifties, whatever, can
be absolutely life changing. Touch on that just a bit.
Just I love the math geek stuff. Please go heavy
on the math geek for me and hammeredt home for
all of our listeners that might be on the fence

(09:21):
with that.

Speaker 2 (09:22):
You got it, so, you know. I think the tools
we've talked about today just make it so easy to
start the conversation. We have a product called Chase First
Banking that we build for parents and kids to start
that conversation early. Kid gets a free debit card and
parent gets total control over their savings, spending, and earning.
But what it does is it starts a conversation between

(09:45):
the kid and the parent. Kristin that's the foundation, right,
It's the tool, it's the bank account, it's the saving
and spending habit, it's the mobile tools, and it's the
relationship frankly between the parent and the kid. So when
the kid has a question, they can go ask without fear.
And let me tell you, we talk to customers all
the time, both parents and kids. Each side of that

(10:05):
equation has lots of questions, and frankly, so fear starting
those conversations early make all the difference to that foundation.
Could not agree with you more.

Speaker 1 (10:14):
Yep, you know medical health, you go see your doctor.
Financial health. I tell you what, Go to your local
Chase Bank. Guys, you've got questions, they've got the answers. Matt,
I knew the time would fly. Where do our listeners
go to learn more?

Speaker 2 (10:24):
You can go to Chase dot com, Splash Family Banking,
or any one of our forty seven hundred branches around
the country.

Speaker 1 (10:31):
Awesome stuff, Macrimata, Chase Bank. Thank you so much for
all that you do. You got an open mic anytime.
Please join us again when you can.

Speaker 2 (10:38):
Christen, thank you so much, my pleasure.

Speaker 1 (10:40):
We'll be right back right after this, and we are

(11:01):
back with the Christian Agopian show with an update. I
gave myself a huge challenge because it was starting to
bug me how much we were spending on groceries. And
you guys maybe all over the board like I was
with this, but I want you to do something. Go
through your finances. No one else is going to see it,
no one else is going to know, and add up
everything that you spent on food and buy food, I

(11:22):
mean eating out, eating in groceries, coffee out. I guarantee you,
as organized as you are, you are going to shock
yourself with how much you spent. That is your hard
earned money going out the door. And what I want
is for it to stay in your pocket. And here's
where we get it done. Now in Kasahgopian, I was
stunned to learn you look at the USDA Hoidy toity,

(11:45):
I spent a million dollars on this report thing here
that the average family, if you're a thrifty family of four,
they're spending about seven hundred a month. If you are
a more liberal their words spender out there, you're spending
eleven hundred dollars a month. People are in between, they're
between that seven hundred dollars. Thrifty amount for a family

(12:05):
of four and eleven hundred a month liberal amount for
a family of four. We were I'm hanging my head
in shame at eight hundred dollars a month, and I
was determined to get it down to six hundred dollars
a month. And we did it. We saved two hundred bucks.
I think I can just squeeze a little more out
of there, maybe make it two hundred and fifty a
month that I can save. And if we do that,

(12:25):
we're talking about three grand a year in savings. Okay,
how do you do it? Here's how you do it.
There's two go to moves that I do when I
want to slash the food budget. And the first time
I went really black belt on this was after we
brought Robbie home from the hospital ages Ago, my baby
back in two thousand and seven, where we knew we
had to tighten the belt right. Victor was working, I

(12:46):
was home, I was doing the writing. We were getting
to show up and running, and we had to bring
down the food budget. We had the food budget down
to about three hundred a month. It was ninja man,
it was crazy, and now I wanted to bring it
down to six hundred a month. The kids are older,
they're eating more. We got a lot more going on.
So there you go. Now the two go to moves.
Number One, find a discount gourmet grocery near you. They

(13:10):
are springing up everywhere. I live about an hour from
the studio. I'm out in northwestern Chester County, PA. And
even around us. We've got these beautiful, amazing stores with
all of the name brands. You love everything you could
think of, between snacks and foods and meals and fruits
and salad, dressings and drinks and everything. And it is.

(13:30):
The prices are just slashed. You'll go there once and
you'll be hooked. I guarantee you get yourself out there.
The second thing we do. The second thing we do
is eat from home a lot more. We eat a
ton more. I'm realizing now at home compared to other people.
You ready for this because this is so relevant. So
we talked about doing your primary shopping at the discount grocery.

(13:51):
Number two, stop eating out so much. You're ready for this.
This is what I get as I was prepping this
week's show about saving money on food. We're having a
crazy couple of days at home this past weekend. I'm
in my office prepping my notes for today's show. Victor's
been working like a nut outdoors, getting his huge garden

(14:11):
ready and stuff, and he suggests going out to eat. Okay,
kind of conflicting. I'm typing notes on how to save
money on food and he's running into the room saying
he suggests eating out, but I'm in. So we go
to a local restaurant for some cheese steaks, the kids
get burgers. All is delish until around four hours later,
when we're all feeling sick as dogs with food poisoning.

(14:35):
It was like a sign from God, Good Lord, it's
that ever happened to you, guys, asking the guys in
the studio, Yes, really, what salad bars? Yup? That makes
sense now, Honestly, it doesn't happen to me that often.
But I can boast that after decades of regular cooking.
All right, my dishes may not hold up to Julia Child,
who I adore her biography, but you can say that

(14:57):
home cooking is far less likely to get you debilitating,
truly gross. Won't go into details here food poisoning, just saying, okay,
so that's the kind of benefits I'm talking about. So
here's what you do again, the go to moves. You
want to slash that food bill, easily, slash it in half.
If you're closer to those liberal amounts you're spending. Now,
find a discount gourmet grocery near you, and then stop

(15:21):
eating out. And I'm telling you right now, track those numbers,
you know. Go today, Go to your books, see exactly,
be totally honest with yourself what you have been spending
on groceries, and extrapolate that out over twelve months. Maybe
you're spending one thousand dollars a month on food, it's
not unusual. That means twelve grand a year. Twelve grand

(15:41):
a year. You cut that in half, you are saving
six grand a year and still eating like a king,
still eating like royalty, and you got six grand more
in the bank. I absolutely love that. All right, I'm
fishing around at all my notes.

Speaker 3 (15:55):
Here.

Speaker 1 (15:55):
Here's a big move I do as well. If I
am shopping in some local brand name store and they've
got the fancy schmancy circulars, the discount gourmet grocery I
go to. They are so good, they are so legendary,
and they are so prevalent everywhere you'll find these groceries everywhere,
guys that they don't even need a circular. You will
just hear the siren song of them calling to you

(16:18):
like mermaids, and you'll kind of float towards them. That's
how great these prices are. However, for the bigger chains
out there that have the advertising budget, they'll put out
the circulars. Pick up the circulars and see what's on
that front page. See what is reading just under the headline.
See what's they're on page one, and you are going
to focus your entire menu around that. Is it chicken
for sale? Is it hamsteaks? Is it ground beef? Whatever

(16:40):
it is? And a note about ground beef as well.
We talked before about organic eating, and I'm a big
fan of that. Honestly. The prices on organic stuff is
starting to come down, which is marvelous, but it's still
more expensive than others. The big thing about organic beef,
all right, they love the grass fed beef, you know
that's out there. I simply can't afford it. But I

(17:02):
have a hybrid solution that I think a lot of
you are going to enjoy. We don't do steaks in
our house. We don't have the budget, we do a
ton of ground beef. Some of you guys know this,
some of you don't. When we're talking about keeping it
to organic meats, all of the pesticides you want to
worry about are in the fat of the meat. So
a good steak, yeah, very enjoyable, but that's where you're

(17:24):
going to find the pesticides. We do a ton of
ground beef in our household, whether it's for chili in
the crockpod, whether it's for taco meat. You will be
heartened to know that not only is ground beef much
cheaper by the pound, but when you cook it up
and you're draining off the fat, you are draining off
the vast majority of the pesticides and any kind of

(17:45):
worries you might have. If you do a really good
hot water rinse on top of all that drained beef,
extra score for you. That's the kind of hybrid solution
that I highly recommend. Get the fruits and vegetables with
a peel, then peel off those pestiae sides. Wash off
anything that you can't peel off with a very quick rinse,
and a little in your fruit or vegetable tub that

(18:06):
you keep under the sink. You put a tablespoon of
vinegar in there, let it soak. It melts away all
the waxes, all the pesticides, and when you can, you know,
go organic if you find the super stuff on sale,
knock yourself out. But if we're talking about feeding a
family realistically on a huge budget, think about the ground
beef you're draining off everything right there, That's what I love.
Next up, I got to get this in before the

(18:27):
break because I mentioned it before earlier. Gardens not only
produce very inexpensive produce, it's a very cool, cheap hobby
to fill your time to. Victor's adorable when he's out
there in his garden. Can I please tell you my
technocomputer geek out there gardening like farmer ted. It's absolutely
adorable and it's not as difficult as you might think either.
And you can grow whatever your heart desires. All right.

(18:50):
Some people I know plant only the heartiest stuff that
they know will thrive in their local climate. Very low maintenance,
plant it and forget it, okay, Like Chris who sent
me pictures, who is showing me another gorgeous watermelon garden.
It's beautiful when you go through when your family goes
through one watermelon a day over the summer, maybe a
few a week, it adds up huge. She is conservatively

(19:12):
estimating that, and I love the pictures. At three watermelons
a week and a few month growth period in her
neck of the woods, they're getting approximately three hundred dollars
worth of watermelon for four bucks. I love it. Spencer's
doing spinach again. They love it. And when the season's over,
they cook up these huge batches of spinach and freeze
it and ready to eat batches. And they suspect they're

(19:34):
saving about five hundred a year on that one item alone,
and they're huge garden. That's what I'm talking about. Guys,
hang out for a minute. More savings on your food.
Let's slash that budget and a little date right after
it is and we are back with the Kristin de

(19:55):
Goophian Show half past the hour and in today's busy, crazy,
k ever changing real estate landscape. There's no one better
to check in with each week than my dad, John
Harriet for another episode of Dad and Daughter Talk real Estate.
How are you doing today, sir?

Speaker 4 (20:10):
Hello again, everybody, It's John Harriet here with Keller Williams's
real estate. What we try to do in this show, folks,
is give people general education about what is needed to
help them with their biggest financial decision that most people make,
and that is the buying of a house, maybe the
selling of a house, and the purchase of another house.
It's impossible to cover everything that you need to know

(20:31):
about this. For that, you really do need a good realtor.
And I would love to be a person that you
interview for the job of helping you make that kind
of a real estate decision. If you live in Pennsylvania Delaware.
Now I'm only authorized to practice real estate in those
two states. But if the rest of you listening in
the other fifty states and by word else to what

(20:52):
two hundred stations now, Kiddle, we.

Speaker 1 (20:53):
Are on two hundred and four stations.

Speaker 4 (20:55):
Sir, Holy mackerel, those of you who are in the
not in Pennsylvania or Delaware, some help in picking out
a realter. I can certainly help you with that. I
have contacts all over the country. The Keller Williams network
is very, very viable, and I'd be glad to help
you pick out a good realtor. Also, folks, if you
would like to stay up the date with what it
is we're talking about Every week on the Dad and

(21:18):
Daughter Talk Real Estate Show. I do a lot of
research and generally come in with three or four reports
that we talk about during the show. And if you
would like to have links to where I get this information,
please just give us a shout of the Dad and
Daughter Talk real Estate hotline and that number again, Chrissy.

Speaker 1 (21:33):
Is absolute, call or text anytime four eight four five
seven four four zero eight eight.

Speaker 4 (21:38):
Once again, that's four eight four five seven four four
zero eight eight. Now, my website's in a stage of transitions,
so I will be putting these blogs up back on
the website, probably starting in about another week or ten days.
But right now my website is in a state of transition.
But if you would like a link to every one
of the articles that we use to prepare the show
every week, just text that to Hey, John blog stuff.

(22:00):
Please give me your email address and I will get
that out to you every week. So what questions do
we have from our listeners? I always like to start
the show out that way if we have questions we have.

Speaker 1 (22:09):
First of all, thank God for Facebook. We've got some
fantastic listenership. They love connecting via text, they love connecting
via email. Facebook is what truly binds us all together.
You've got a huge following on that, and you've got
a couple of questions that really stood out to me
as summer progresses. One of them one of your listeners
in Chester County, Deborah connecting from Malvern, who would like
to buy a house but has a big concern. And

(22:31):
this one grabbed me because it's something that you know,
it comes to all of us. Say they find a house,
she and her husband, they make an offer, it gets accepted.
What happens if they just flat out change their mind.
Maybe another house comes along, a great one they like
even more. Maybe they just get cold feet. It happens honestly.
Or are they stuck?

Speaker 4 (22:47):
Are they stuck? Well, in the state of Pennsylvania, you'll
be happy to know that Deborah was the was the
caller yes? Or was the Facebook user Deborah? You'll be
happy to know that, no, you are not stuck. In fact,
the Pennsylvania real estate laws are written in such a
way that they are really buy or friendly. In fact,

(23:09):
some people in adjoining states like Delaware think that the
Pennsylvania agreement of sale is to buy or friendly, and
they refuse to use the same agreement of sale. But
here's how it works. If you make an offer and
you're using a realtor, which is what ninety two percent
I think of the people who buy houses do. And
even if you don't use a realtor, I would strongly

(23:30):
suggest that you use the standard Pennsylvania Association of Realtor's
agreement of sale. But in that agreement of sale, and
it's like thirteen pages long, folks, don't let that intimidate you,
because you pick out a good realtor and he or
she will be able to guide you through that. But
one of the sections in that Pennsylvania agreement of sale
is home inspections. What inspections do you want to do

(23:53):
to make sure that this piece of property is something
that you want to continue to purchase. And there's like
twelveeen different inspections you can do. Now, the ones that
most people pick out are a home inspection, where you
will hire a home inspector to come in and examine
the structural soundness of the property, and he or she
will also look at the plumbing, at the heating, the ventilation,

(24:14):
and the electrical systems of how healthy the house is.
That's one inspection that just about everybody will ask for.
Another inspection that I always suggest people ask for, at
least in Pennsylvania, is a radon check. Raydon is an odorless,
colorless gas which I read is the number two source
of lung cancer in the country. Yep. I always recommend

(24:36):
that people get a radon check and see if the
level comes in above I think it's four Pyco carries
per leader. It's almost a lay down. It's almost a
lay down that the seller puts in a remediation system.
And the third check that most people do is a
termite check to make sure there's not termites eating away
at your foundations and making your house collapse. And there's

(24:56):
other inspections you can get, like a stucco inspection, you
can get a survey made of your property, et cetera,
et cetera, et cetera. But those three, the home inspection,
the radon test, and the termite test are the ones
that most people get and the ones that I always recommend.
Now Here is the place that is the escape patch
if you decide you just don't want to go through
with the deal. Now, most people, when they make out

(25:20):
the agreement of sale will say I want ten days
in which to complete my inspections. You could ask for more.
You could ask for twelve, you could ask for fifteen,
ask for twenty you get ask for twenty five, but
most common is ten. Anyway, after the end of that
ten day period, that's called the contingency period, there is
a five day negotiation period specified in the contract. Again,

(25:40):
you can ask for a longer period, and most people
stick with the five days. If at the end of
the five day negotiation period you have not been able
to reach an agreement with the seller on what you're
going to fix, so this is a total of seventeen days,
you can terminate the agreement of sale. That is the
buyer's right, So anytime in the typically seventeen days day
after you signed the agreement of sale, the buyer is

(26:04):
allowed to terminate the agreement of sale and get their
deposit money back.

Speaker 1 (26:07):
That is very encouraging because it seems to me like
especially seventeen days between putting in the offerative that's like
dog years when you're selling and buying a house.

Speaker 4 (26:15):
So seventeen days is typical. Like I say, if you
specify a longer inspection period, fifteen days instead of ten.
Then instead of seventeen days, you got twenty two. But
once that inspection process is over, and typically it's ten
days to get your inspections done and let the seller
know these are things that you want to have prepared,
there's a five day negotiation period during which you and

(26:38):
the seller can negotiate, and usually this is done through
your agents, and then if you don't reach agreement, there's
another two days in which you have the right to
cancel the agreement of sale. So you got seventeen days
in which you the buyer in Pennsylvania and other states
are similar, have an absolute right to cancel the agreement
of sale.

Speaker 1 (26:56):
In all of your how many houses have you sold now,
right or in all honesty, has that come up more
than once? I have to think that's very, very rare
and more than anything, Debora, we want to reassure you
when you're going out their house shopping. Chances are excellent
you're going to find the one you fall in love
with and that's going to be it. But it's reassuring
to know that there isn't out if you find you
need one.

Speaker 4 (27:16):
Yeah, the I think I can only recall at one
instance where the buyers actually got cold feet and decided
to back out. Now, I've had a number, probably fifteen
or twenty where buyers have done inspections, discovered that things
were wrong with the house that they were not willing
to accept, asked the seller to fix them, the seller
was not willing, or else the buyers weren't of a

(27:38):
faith that the seller was going to do it right,
so they backed out of the deal. But the important
thing is that in Pennsylvania, and if you're not in Pennsylvania, folks,
you need to check with a good local realtor and
find out what the law is in your state about
how much power the buyer and the seller sometimes have
to cancel the agreement of sale. Now, some states have
what's called a three day right of recision clause, and

(28:00):
this has been used in Pennsylvania to mislead some people
because they will tell the buyer there is no three
day right of decision in Pennsylvania. So once three days
go by, you know you are obligated to fulfill the
obligations of the contract. And that's true. But one of
the rights that you have under the Pennsylvania state agreement

(28:20):
of sale, the one that almost everybody uses is for
the first seventeen days. If it's written up the way
it normally is, you have an absolute right to cancel
the agreement to say, don't have to give a reason,
just say, under the provisions. I think it's paragraph thirteen,
I'm canceling the agreement. Give me my money back please.

Speaker 1 (28:35):
That is very encouraging, that's kind of neat.

Speaker 4 (28:37):
H Yep is that is a very very big escape patch,
and that.

Speaker 1 (28:41):
Should be the way if that's something that's holding you back,
the idea that you're stuck in this it's going to
be like you know, iron chain, it's the best of
all worlds. Honestly, again, have faith in your decision making.
I think chances are excellent you're going to want to
keep that house that you put in a.

Speaker 2 (28:53):
Bit and on.

Speaker 4 (28:53):
Yep. Now, Delaware is a little bit different from Pennsylvania,
and I think Delaware probably is to a number of
other states. So again you need to check with a
local real two who understands the laws in your states. Now,
in Delaware, a buyer doesn't inspection and wants to have
certain things fixed, the buyer does not have the right
to cancel the agreement of sale, provided the seller agrees

(29:15):
to fix all the things. Okay. So let's just say
that the buyer has some concerns about the roof, okay,
and he or she wants the roof repaired, and the
seller says, okay, I'll repair the roof, and they repair
the roof, they patch some shingles of a different color,
and they just kind of go up there and nail them,
and then it turns out the roof is still legal. Well,

(29:37):
the seller might take some shortcuts in repairing been known
to happen. So I think that the Pennsylvania law really
does protect the buyer, and that is the way I
would like to see the laws written.

Speaker 1 (29:48):
You've been doing this for so many transactions, and it
seems to be something that's very rarely brought up. But
it's just very reassuring to know that you do have
that clause if necessary in the very rare occurrence that
might come.

Speaker 2 (30:00):
So everyone's a winner.

Speaker 4 (30:01):
So, Deborah, if you're concerned about not having the right
to get out of a deal, if you decide it's
not for you, you do have an absolute right to cancel
that agreement of sale and get your money back, provided
you do it in the first seventeen days after you
assigned the agreement of sale.

Speaker 1 (30:17):
Brilliant okay, and time flies as usual. Thanks for joining us, pop,
and we'll be right back gang right after this not
to the best of all, and we are back with

(30:53):
the Christiana Gopian Show. And you guys, we talk about
addictions once in a while, we talk about summer once
in a while. I'm wann to blend the two because
I've been sucked into something that I never thought possible.
You know, I'm not really athletic by any stretch of
the imagination. I've gotten hit with the pickleball bug. You
might laugh, you might scoff, Chris, grag me up you too.

(31:15):
If you look at it too funny or look at
it too intently, you will try pickleball and you will
be hooked. It's the fastest growing sport for the third
year in a row. And not only is it highly
accessible for people of all ages and all fitness levels, yeah,
including my own, it's also this fabulous way to get
everybody outside more active. It's beautiful out, it's time to

(31:37):
get out there. And mixing that together with one of
my favorite interviewees, a fabulous guest, we'd love to have
back for repeat segments. We have now got Don Jackson Blattner,
sports registered dietitian extraordinaire joining us via our Newsmaker line
with not only hopefully if she wants to share her
own pickleball addiction stories, we're here to help. We're here.

(31:58):
We're all a family and up with also healthy match
day recipes courtesy of something that is in my refrigerator
all the time, and that's Eggland's Best Eggs. Don, it's
a beautiful day out there. How are you doing today?

Speaker 5 (32:11):
Oh my gosh, it's so exciting to hear that you
also got this pickleball fever. I gotta tell you, it
does sneak up on you. I played it, I was like,
I don't know. Once you play it, you're hooked. It
is incredible, And I think it's because, listen, it's easy
to learn and play no matter what your age or
fitness level. You know, as you mentioned, it's a great
workout actually for coordination and agility. But I think the

(32:34):
biggest thing is that it's really.

Speaker 1 (32:36):
A social sport, right. It's very fun.

Speaker 5 (32:38):
It brings people together, and these pickleball courts are popping
up everywhere, so you can just grab your paddle and
get out there.

Speaker 1 (32:44):
You nailed it, and you know what it is. You
and I have talked about this before, but we're now
firmly a couple of years past COVID. I've got a
new appreciation not only for the outdoor stuff, but the
fact that we can do things together. There's just a
nice combo that pickleball puts in there also because it
requires very little athletic ability. So it's right there in

(33:05):
my sweet spot for things that I want to do
with family and stuff too. But in all seriousness, that
nice combo of maybe gently ushering yourself into a new sport,
adding some nice nutrition like some Egglands best eggs. It
is a crushing one two punch. What kind of feedback
are you getting on the street there?

Speaker 2 (33:21):
Yeah?

Speaker 1 (33:21):
You know.

Speaker 5 (33:21):
So this is my actual job and career and life
is talking about nutrition and sports, like making sure you're
fueled up to live such an active and fun life.
And so what I've done, I've created two new recipes
and this is really for pickleball or any sort of activity.
One is scrambled oats. This is just three ingredients, eggs,

(33:42):
worlled oats and banana.

Speaker 1 (33:43):
Right, you mash them together.

Speaker 5 (33:44):
And you scramble them in a skillet like you would
scrambled eggs, and what comes out is like soft batch granola.
It's like, oh my god, it's so delicious, and you
put it on Greek yogurt with berries, and I just
I love that recipe. Another thing I've been making on
repeat is dill pickle egg salad because you know, pickleball
pickle egg salad. But you know, I just absolutely love

(34:07):
that you can make a big batch bank keep it
in the fridge for a few days, so if you're
running two and from sports and you just need something
that's a nutrient rich snack, it's a really great go
to recipe. And both of those recipes, scrambleedotes and the
dill pickle egg salad, I use Eggland's Best eggs, and
that's because they have six times more vitamin D, they
have twenty five percent less saturated fat, they have more

(34:28):
than double the Omega threes and B twelve compared to
ordinary eggs. So you know, it's a quick way to
get more nutrition in the recipes that I'm trying to,
you know, give my family and friends to fuel their
summer phenomenal.

Speaker 1 (34:41):
And you know, I'd rather have you for a five
minute segment than none at all. And this is one
of our quicker ones, you know. I'd love to have
you back whenever. You can tell our listeners where they
can get a little more information on this. Oh my gosh. Okay,
so this is cool.

Speaker 5 (34:52):
Eggland's Best is breaking into pickleball as the official partner
of Kitchen, the Association of Pickleball Players Tour. And so
they have all sorts of Eggs centric recipes that they're
bringing to this sport, and they decided to do an
eb Oh my gosh serves up Summer sweep Steaks and
you get a chance to win a grand prize of
five thousand dollars VIP pickleball experience, all sorts of exclusive

(35:13):
pickleball gear. And it's happening the sweep Steaks now through
July sixteenth. And that's all at ebfamilysweeps dot Com. That
sweepstakes and actually the recipes I talked about Ebfamilysweeps dot
Com beautiful.

Speaker 1 (35:25):
No one does it better. Don Jackson Blattner, I knew
the time would fly, especially today. Be well, my friend.
A happy summer to you and yours and thanks for
joining us. You're always the best. Thank you, happy pickleballing,
Happy pickleballing, and until next week, save those pennies, pay
with cash, and you all stay apprugal out there, small.

Speaker 3 (35:48):
Not too steep, the best of them all. Jesus circumstances
by person in a low bad lane SIGNRM by we
all fat. I just gotta learn to recall my I'm

(36:12):
out a love badget. I'm a love I'm not a sheep.
You understand. I'm just a god christ person in a
low badger life.

Speaker 1 (36:29):
Excuse my shoes.

Speaker 2 (36:31):
They don't quite fit.

Speaker 1 (36:33):
They're a special offer, but they hood me a bit eleven.

Speaker 3 (36:39):
My trousers. I'll give you your face if there were
a juice still the sales so I shouldn't complain. It
squeeze me.

Speaker 1 (36:47):
So time, so I can't say no more.

Speaker 3 (36:50):
They're a size twenty eight by I take thirty four.
I'm out of love magic rod I boy said that.
I'm I'm a confine person in a DOLMG. I'm shocking

(37:13):
at woolers a lood discounts goes. I'm dropping my stand
and sold them I can buy more.

Speaker 1 (37:21):
No budget choke keeps me on my toes.

Speaker 3 (37:25):
I count everybody and a Watchmary Boost.

Speaker 1 (37:29):
We're all robbers, We're all gorbing skins.

Speaker 3 (37:33):
I used to suck thing guys, but now I suck
more romans. I'm on the boy's a sad lot. A
boy said that I'm a come f person. No, I

(38:00):
like that.

Speaker 4 (38:12):
Takes time.

Speaker 1 (38:13):
Time is money, money is scarce, and that ain't funny.

Speaker 3 (38:20):
Millionaires I thinks are the fast but adol budget film
where nothing for the last. Money's rare, It's not to
be found. So don't think that I'm tired if I
don't buy it around. I'm on a love budget.

Speaker 4 (38:39):
I'm get you.

Speaker 3 (38:40):
Yes, I'm on a loves.

Speaker 2 (38:43):
I'm bout you for.

Speaker 3 (38:49):
I'm a cor fist person in a little bit