Latest / Around the House with Eric G®: Home Improvement Remodeling & DIY / Financing Your Home Renovation: Tips for 2024

Transcript

Financing Your Home Renovation: Tips for 2024 · Around the House with Eric G®: Home Improvement Remodeling & DIY

• 1:01
  It's
• 1:01
  around
• 1:02
  the
• 1:02
  house.
• 1:04
  When
• 1:04
  it
• 1:04
  comes
• 1:05
  to
• 1:05
  remodeling
• 1:05
  and
• 1:06
  renovating
• 1:06
  your
• 1:06
  home,
• 1:07
  there
• 1:07
  is
• 1:07
  a
• 1:08
  lot
• 1:08
  to
• 1:08
  know,
• 1:09
  but
• 1:09
  we've
• 1:09
  got
• 1:09
  you
• 1:10
  covered.
• 1:11
  This
• 1:11
  is
• 1:12
  around
• 1:12
  the
• 1:12
  house.
• 1:13
  Welcome
• 1:13
  to
• 1:13
  the
• 1:13
  around
• 1:14
  the
• 1:14
  house
• 1:14
  show,
• 1:14
  the
• 1:14
  next
• 1:15
  generation
• 1:15
  of
• 1:16
  home
• 1:16
  improvement.
• 1:17
  Thanks
• 1:17
  for
• 1:17
  joining
• 1:17
  me
• 1:17
  today.
• 1:18
  I'm
• 1:18
  Eric
• 1:19
  Chi.
• 1:19
  This
• 1:20
  is
• 1:20
  our
• 1:20
  midweek
• 1:20
  update.
• 1:21
  This
• 1:21
  is
• 1:21
  what
• 1:21
  comes
• 1:21
  out
• 1:21
  here
• 1:22
  in
• 1:22
  the
• 1:22
  middle
• 1:22
  of
• 1:22
  the
• 1:22
  week
• 1:22
  that
• 1:23
  doesn't
• 1:24
  cover
• 1:24
  the
• 1:24
  stuff
• 1:24
  that
• 1:24
  happened
• 1:24
  in
• 1:25
  last
• 1:25
  week's
• 1:25
  show
• 1:25
  and
• 1:25
  of
• 1:26
  course,
• 1:27
  what's
• 1:27
  happening
• 1:28
  in
• 1:28
  this
• 1:28
  week's
• 1:29
  show
• 1:29
  coming
• 1:30
  up.
• 1:30
  And
• 1:30
  we've
• 1:30
  got
• 1:30
  a
• 1:30
  great
• 1:30
  one
• 1:31
  this
• 1:31
  weekend.
• 1:31
  I
• 1:32
  squeaked
• 1:32
  one
• 1:32
  out.
• 1:32
  I
• 1:33
  tell
• 1:33
  you
• 1:33
  what,
• 1:33
  I
• 1:33
  apologize,
• 1:34
  guys.
• 1:34
  I
• 1:34
  have
• 1:34
  been
• 1:34
  down
• 1:35
  with
• 1:36
  one
• 1:36
  of
• 1:36
  the
• 1:36
  worst
• 1:37
  colds
• 1:37
  I've
• 1:37
  had
• 1:38
  in
• 1:38
  probably
• 1:39
  five
• 1:40
  or
• 1:40
  six
• 1:40
  years
• 1:40
  because
• 1:41
  I
• 1:41
  tell
• 1:41
  you
• 1:41
  what,
• 1:41
  I
• 1:42
  never
• 1:43
  get
• 1:43
  them.
• 1:44
  I'll
• 1:44
  get
• 1:44
  a
• 1:44
  little
• 1:44
  stuffing
• 1:45
  sometimes,
• 1:45
  but
• 1:46
  every
• 1:47
  three
• 1:47
  or
• 1:47
  four
• 1:47
  years,
• 1:47
  I
• 1:48
  get
• 1:48
  hit
• 1:48
  with
• 1:48
  something
• 1:48
  hard
• 1:48
  that
• 1:49
  knocks
• 1:49
  me
• 1:49
  down
• 1:49
  on
• 1:50
  a
• 1:50
  few
• 1:50
  days.
• 1:50
  And
• 1:50
  this
• 1:50
  one
• 1:50
  took
• 1:51
  me
• 1:51
  down
• 1:51
  about
• 1:51
  four
• 1:51
  and
• 1:52
  a
• 1:52
  half,
• 1:52
  and,
• 1:53
  boy,
• 1:53
  it
• 1:53
  was
• 1:53
  rough.
• 1:54
  So
• 1:55
  stay
• 1:55
  safe
• 1:56
  out
• 1:56
  there.
• 1:56
  Keep,
• 1:57
  you
• 1:58
  know,
• 1:58
  those
• 1:58
  fluids
• 1:59
  in,
• 1:59
  wash
• 1:59
  your
• 1:59
  hands,
• 1:59
  all
• 2:00
  that
• 2:00
  stuff.
• 2:00
  Try
• 2:00
  to
• 2:00
  see
• 2:00
  if
• 2:00
  you
• 2:01
  can
• 2:01
  keep
• 2:01
  from
• 2:01
  getting
• 2:01
  this
• 2:01
  one
• 2:01
  going
• 2:02
  around.
• 2:02
  Wasn't
• 2:03
  Covid.
• 2:03
  I
• 2:03
  did
• 2:04
  a
• 2:04
  couple
• 2:04
  Covid
• 2:04
  tests.
• 2:05
  We
• 2:05
  were
• 2:05
  fine.
• 2:05
  So
• 2:06
  it
• 2:06
  wasn't
• 2:06
  that.
• 2:06
  It's
• 2:07
  just
• 2:07
  a
• 2:07
  really
• 2:07
  rough
• 2:08
  cold
• 2:08
  going
• 2:08
  around
• 2:08
  out
• 2:08
  there
• 2:09
  and
• 2:10
  feels
• 2:10
  good
• 2:10
  to
• 2:10
  be
• 2:11
  here
• 2:11
  on
• 2:11
  Wednesday
• 2:11
  at
• 2:11
  about
• 2:12
  80%,
• 2:13
  which
• 2:13
  is
• 2:14
  much
• 2:15
  better
• 2:15
  where
• 2:16
  I
• 2:16
  was
• 2:16
  last
• 2:16
  week.
• 2:17
  So
• 2:17
  feeling
• 2:17
  good
• 2:18
  about
• 2:18
  that.
• 2:19
  Today's
• 2:19
  episode
• 2:19
  is
• 2:19
  brought
• 2:20
  to
• 2:20
  you
• 2:20
  by
• 2:20
  a
• 2:20
  friend
• 2:20
  at
• 2:20
  Monument
• 2:21
  Grill.
• 2:21
  Check
• 2:22
  them
• 2:22
  out
• 2:22
  if
• 2:22
  you're
• 2:22
  looking
• 2:22
  for
• 2:23
  a
• 2:23
  barbecue
• 2:24
  to
• 2:24
  replace
• 2:25
  that
• 2:25
  old
• 2:25
  propane
• 2:26
  barbecue
• 2:26
  out
• 2:26
  back
• 2:27
  and
• 2:27
  ready
• 2:28
  for
• 2:28
  tailgate
• 2:29
  season.
• 2:29
  Might
• 2:29
  be
• 2:30
  time
• 2:30
  to
• 2:30
  get
• 2:30
  a
• 2:30
  new
• 2:30
  one.
• 2:30
  Check
• 2:31
  them
• 2:31
  out@montymcrills.com
• 2:33
  well,
• 2:33
  today
• 2:33
  I
• 2:33
  wanted
• 2:34
  to
• 2:34
  talk
• 2:34
  about
• 2:34
  a
• 2:35
  frequent
• 2:35
  question
• 2:36
  that
• 2:36
  I
• 2:36
  get.
• 2:37
  How
• 2:38
  should
• 2:38
  I
• 2:38
  come
• 2:38
  up
• 2:38
  with
• 2:39
  money
• 2:39
  for
• 2:39
  my
• 2:39
  DIY
• 2:40
  projects?
• 2:41
  What
• 2:42
  is
• 2:42
  the
• 2:42
  best
• 2:42
  way
• 2:43
  to
• 2:43
  do
• 2:43
  that?
• 2:44
  And,
• 2:45
  you
• 2:45
  know,
• 2:45
  there's
• 2:45
  people
• 2:46
  out
• 2:46
  there
• 2:46
  going,
• 2:46
  hey,
• 2:47
  how
• 2:47
  do
• 2:47
  I
• 2:47
  pay
• 2:47
  for
• 2:47
  that?
• 2:48
  Do
• 2:48
  I
• 2:48
  pay
• 2:48
  it
• 2:48
  with
• 2:49
  cash?
• 2:50
  Do
• 2:50
  I
• 2:50
  get
• 2:50
  a
• 2:50
  heloc?
• 2:51
  Do
• 2:51
  I
• 2:51
  go
• 2:52
  out
• 2:52
  and
• 2:52
  get
• 2:52
  a
• 2:52
  home
• 2:52
  improvement
• 2:53
  loan?
• 2:53
  Do
• 2:53
  I
• 2:53
  put
• 2:53
  it
• 2:53
  on
• 2:54
  credit
• 2:54
  cards?
• 2:54
  Do
• 2:54
  I
• 2:54
  finance
• 2:55
  it?
• 2:56
  What
• 2:56
  do
• 2:56
  I
• 2:56
  do
• 2:57
  here
• 2:57
  in
• 2:58
  the
• 2:58
  fourth
• 2:58
  quarter
• 2:59
  of
• 2:59
  2024?
• 3:01
  Now,
• 3:03
  you
• 3:03
  know,
• 3:03
  here's
• 3:03
  the
• 3:03
  thing,
• 3:04
  and
• 3:04
  let's
• 3:04
  talk
• 3:04
  about
• 3:05
  this.
• 3:05
  This
• 3:05
  right
• 3:05
  now
• 3:06
  is
• 3:06
  probably
• 3:07
  one
• 3:08
  of
• 3:08
  the
• 3:08
  worst
• 3:09
  weeks
• 3:10
  of
• 3:11
  turmoil
• 3:11
  that
• 3:11
  we're
• 3:12
  gonna
• 3:12
  have
• 3:13
  in
• 3:13
  the
• 3:13
  last
• 3:14
  three
• 3:14
  or
• 3:14
  four
• 3:14
  years.
• 3:15
  It
• 3:15
  just
• 3:15
  is.
• 3:15
  It's
• 3:15
  election
• 3:16
  time.
• 3:17
  I
• 3:17
  hate
• 3:18
  being
• 3:18
  negative
• 3:18
  about
• 3:19
  it.
• 3:19
  The
• 3:19
  world
• 3:19
  is
• 3:19
  so
• 3:19
  negative
• 3:20
  right
• 3:20
  now.
• 3:20
  And
• 3:20
  I'm
• 3:21
  not
• 3:21
  going
• 3:21
  to
• 3:21
  go
• 3:21
  down
• 3:21
  that
• 3:21
  rabbit
• 3:22
  hole
• 3:22
  here
• 3:22
  because
• 3:22
  it's
• 3:22
  way
• 3:23
  too
• 3:23
  easy
• 3:23
  to
• 3:23
  follow
• 3:23
  everybody
• 3:24
  else.
• 3:24
  And
• 3:24
  then
• 3:25
  we're
• 3:25
  just
• 3:25
  not
• 3:25
  going
• 3:25
  to
• 3:25
  do
• 3:25
  that
• 3:26
  here
• 3:26
  and
• 3:26
  around
• 3:26
  the
• 3:26
  house,
• 3:27
  but
• 3:27
  we're
• 3:28
  just
• 3:28
  going
• 3:28
  to
• 3:28
  call
• 3:28
  the
• 3:28
  spade
• 3:28
  the
• 3:29
  spade
• 3:29
  for
• 3:29
  the
• 3:29
  day
• 3:30
  and
• 3:30
  all
• 3:30
  of
• 3:31
  that.
• 3:31
  Well,
• 3:31
  here's
• 3:32
  the
• 3:32
  thing
• 3:33
  right
• 3:33
  now
• 3:34
  with
• 3:35
  the
• 3:35
  turmoil
• 3:35
  that
• 3:36
  we
• 3:36
  have,
• 3:37
  the
• 3:37
  way
• 3:38
  interest
• 3:38
  rates
• 3:38
  are,
• 3:38
  they're
• 3:39
  getting
• 3:39
  a
• 3:39
  little
• 3:39
  better.
• 3:41
  I
• 3:41
  would
• 3:41
  be
• 3:42
  hard
• 3:42
  pressed
• 3:43
  to
• 3:43
  make
• 3:43
  an
• 3:43
  argument
• 3:45
  for
• 3:45
  you
• 3:45
  to
• 3:45
  do
• 3:46
  a
• 3:46
  renovation
• 3:47
  and
• 3:47
  to
• 3:47
  extend
• 3:48
  yourself
• 3:49
  out
• 3:50
  by
• 3:51
  financing
• 3:51
  it.
• 3:53
  You
• 3:53
  know,
• 3:53
  there's.
• 3:53
  There's
• 3:54
  so
• 3:54
  many
• 3:54
  things
• 3:54
  that
• 3:54
  happen
• 3:55
  with
• 3:55
  financing
• 3:56
  home
• 3:56
  improvement
• 3:57
  projects.
• 3:58
  And
• 3:58
  let
• 3:59
  me
• 3:59
  give
• 3:59
  you
• 3:59
  my
• 3:59
  thoughts
• 3:59
  on
• 4:00
  this
• 4:00
  and
• 4:00
  I'll
• 4:00
  get
• 4:00
  on
• 4:00
  my
• 4:01
  soapbox
• 4:01
  a
• 4:01
  little
• 4:01
  bit.
• 4:02
  You
• 4:02
  know,
• 4:03
  we
• 4:03
  have
• 4:03
  natural
• 4:04
  disasters,
• 4:04
  we
• 4:05
  have,
• 4:06
  you
• 4:06
  know,
• 4:06
  high
• 4:06
  winds,
• 4:07
  we
• 4:07
  have
• 4:07
  things
• 4:08
  that
• 4:08
  happen
• 4:09
  in
• 4:09
  our
• 4:09
  areas
• 4:10
  that
• 4:10
  can
• 4:10
  damage
• 4:11
  our
• 4:11
  homes.
• 4:12
  And
• 4:13
  what
• 4:13
  I
• 4:13
  want
• 4:13
  you
• 4:14
  to
• 4:14
  do,
• 4:14
  and
• 4:15
  this
• 4:15
  is
• 4:15
  where
• 4:15
  I
• 4:15
  always
• 4:16
  go,
• 4:16
  we
• 4:16
  need
• 4:16
  to
• 4:16
  be
• 4:17
  very
• 4:17
  careful
• 4:18
  because
• 4:18
  we
• 4:19
  have
• 4:19
  a
• 4:19
  lot
• 4:19
  of
• 4:19
  things
• 4:19
  going
• 4:20
  on
• 4:20
  right
• 4:20
  now
• 4:20
  with
• 4:20
  insurance
• 4:21
  rates
• 4:21
  going
• 4:22
  up
• 4:22
  and
• 4:23
  insurance
• 4:23
  coverage
• 4:24
  is
• 4:24
  going
• 4:24
  on.
• 4:26
  I
• 4:26
  mean,
• 4:26
  I
• 4:26
  am
• 4:27
  right
• 4:27
  now
• 4:27
  sitting
• 4:28
  here
• 4:28
  in
• 4:28
  the
• 4:28
  middle
• 4:28
  of
• 4:29
  negotiating
• 4:29
  with
• 4:29
  my
• 4:30
  insurance
• 4:30
  guy,
• 4:31
  Tony
• 4:32
  Russell,
• 4:32
  Insurance
• 4:33
  here
• 4:33
  in
• 4:33
  the
• 4:33
  Pacific
• 4:34
  Northwest.
• 4:34
  I
• 4:35
  love
• 4:35
  Tony.
• 4:35
  He's
• 4:35
  a
• 4:36
  radio
• 4:36
  friend.
• 4:37
  He
• 4:37
  is
• 4:37
  my
• 4:37
  insurance
• 4:38
  guy
• 4:38
  that
• 4:38
  I
• 4:38
  can
• 4:38
  have
• 4:39
  an
• 4:39
  honest
• 4:39
  conversation
• 4:40
  with.
• 4:41
  And
• 4:41
  I
• 4:41
  reached
• 4:42
  out
• 4:42
  to
• 4:42
  him,
• 4:42
  went,
• 4:42
  Tony,
• 4:44
  why
• 4:44
  is
• 4:44
  my
• 4:45
  Brand
• 4:45
  X
• 4:46
  insurance
• 4:46
  going
• 4:47
  up?
• 4:47
  I
• 4:48
  mean,
• 4:48
  car
• 4:49
  insurance
• 4:50
  has
• 4:51
  nearly
• 4:51
  doubled
• 4:53
  in
• 4:54
  two
• 4:54
  years.
• 4:56
  Not
• 4:56
  Tony's
• 4:56
  fault.
• 4:57
  Company
• 4:57
  I'm
• 4:57
  with
• 4:58
  has
• 4:58
  nothing
• 4:58
  to
• 4:59
  do
• 4:59
  with
• 4:59
  him,
• 5:00
  you
• 5:00
  know,
• 5:00
  and
• 5:01
  no
• 5:01
  accidents,
• 5:02
  nothing
• 5:03
  like
• 5:03
  that.
• 5:03
  I
• 5:03
  think
• 5:03
  we
• 5:03
  have
• 5:03
  one
• 5:04
  windshield
• 5:04
  replacement.
• 5:05
  Other
• 5:05
  than
• 5:05
  that
• 5:07
  it's
• 5:07
  clean.
• 5:08
  So
• 5:08
  there's
• 5:08
  nothing
• 5:09
  there.
• 5:09
  No
• 5:09
  tickets,
• 5:09
  no,
• 5:09
  nothing
• 5:10
  like
• 5:10
  that.
• 5:11
  Not
• 5:11
  even
• 5:11
  any
• 5:12
  really
• 5:12
  new
• 5:12
  cars
• 5:13
  other
• 5:13
  than
• 5:13
  my
• 5:13
  Chevy.
• 5:14
  So
• 5:15
  that's
• 5:15
  clean.
• 5:16
  So
• 5:16
  I
• 5:16
  was
• 5:17
  like,
• 5:17
  what's
• 5:17
  going
• 5:17
  on
• 5:17
  there?
• 5:18
  Why
• 5:18
  is
• 5:18
  my
• 5:18
  homeowners
• 5:19
  going
• 5:19
  up?
• 5:20
  And
• 5:21
  he
• 5:21
  says,
• 5:21
  man,
• 5:22
  they
• 5:22
  just
• 5:22
  keep
• 5:23
  doing
• 5:23
  30%,
• 5:24
  40%
• 5:24
  hikes,
• 5:25
  you
• 5:25
  know,
• 5:26
  and
• 5:26
  that's
• 5:26
  what's
• 5:26
  happening
• 5:27
  out
• 5:27
  there.
• 5:27
  So
• 5:28
  one
• 5:28
  thing
• 5:28
  is,
• 5:29
  is
• 5:29
  I'm
• 5:29
  worried,
• 5:30
  especially
• 5:31
  with
• 5:31
  roofing
• 5:32
  and
• 5:32
  things
• 5:32
  like
• 5:32
  that
• 5:32
  out
• 5:33
  there
• 5:33
  where
• 5:33
  insurance
• 5:33
  companies
• 5:34
  on
• 5:34
  a
• 5:35
  whole
• 5:37
  get
• 5:37
  something
• 5:38
  that.
• 5:39
  But
• 5:40
  I
• 5:40
  worry
• 5:40
  about
• 5:40
  them
• 5:41
  not
• 5:41
  covering
• 5:41
  roof
• 5:42
  losses,
• 5:42
  coming
• 5:43
  up
• 5:43
  with
• 5:43
  ways
• 5:43
  to
• 5:43
  get
• 5:43
  out
• 5:44
  of
• 5:44
  that,
• 5:45
  you
• 5:45
  know,
• 5:45
  and
• 5:45
  all
• 5:45
  that.
• 5:46
  And
• 5:46
  by
• 5:46
  the
• 5:46
  way,
• 5:47
  shout
• 5:47
  out
• 5:47
  to
• 5:47
  Tony
• 5:48
  because
• 5:48
  he
• 5:48
  went
• 5:48
  out
• 5:49
  and
• 5:49
  re
• 5:49
  quoted
• 5:50
  a
• 5:50
  different
• 5:51
  company
• 5:51
  within
• 5:51
  his
• 5:52
  umbrella
• 5:52
  of
• 5:52
  coverages
• 5:53
  because
• 5:53
  he's.
• 5:54
  I
• 5:54
  like
• 5:54
  that.
• 5:54
  He's
• 5:54
  an
• 5:55
  independent
• 5:55
  insurance
• 5:55
  guy.
• 5:56
  He's
• 5:56
  got
• 5:56
  different
• 5:56
  people.
• 5:57
  I'm
• 5:57
  going
• 5:57
  to
• 5:57
  switch
• 5:58
  insurance
• 5:58
  teams
• 5:59
  within
• 5:59
  his
• 5:59
  organization
• 6:00
  and
• 6:00
  he's
• 6:00
  saving
• 6:01
  me
• 6:01
  thousands
• 6:02
  of
• 6:02
  bucks.
• 6:03
  A
• 6:03
  year,
• 6:04
  which
• 6:04
  I
• 6:04
  like.
• 6:05
  When
• 6:05
  I
• 6:05
  get
• 6:05
  into,
• 6:06
  you
• 6:06
  know,
• 6:06
  starting
• 6:07
  to
• 6:07
  get
• 6:07
  it
• 6:07
  where
• 6:07
  I
• 6:07
  can
• 6:07
  start
• 6:08
  counting
• 6:08
  that
• 6:09
  on
• 6:09
  my
• 6:09
  hand
• 6:09
  and
• 6:10
  start
• 6:10
  working
• 6:10
  towards
• 6:11
  the
• 6:11
  next
• 6:11
  hand.
• 6:11
  Pretty
• 6:11
  soon
• 6:12
  that's
• 6:12
  where
• 6:12
  I'm
• 6:12
  starting
• 6:12
  to
• 6:13
  talk
• 6:13
  about,
• 6:13
  hey,
• 6:13
  he's
• 6:13
  saving
• 6:14
  me
• 6:14
  money
• 6:14
  and
• 6:15
  getting
• 6:15
  equal
• 6:15
  coverage.
• 6:16
  So
• 6:16
  I
• 6:16
  like
• 6:16
  that.
• 6:16
  And
• 6:17
  that's
• 6:17
  why
• 6:17
  I
• 6:17
  like
• 6:17
  doing
• 6:18
  business
• 6:19
  with
• 6:19
  an
• 6:19
  insurance
• 6:20
  guy
• 6:20
  that's
• 6:21
  local
• 6:22
  that
• 6:22
  I
• 6:22
  can
• 6:22
  get
• 6:22
  on
• 6:23
  the
• 6:23
  phone.
• 6:23
  I
• 6:24
  don't
• 6:24
  have
• 6:24
  to
• 6:24
  call
• 6:24
  into
• 6:24
  a
• 6:24
  customer
• 6:25
  service
• 6:25
  to
• 6:25
  do
• 6:25
  stuff
• 6:26
  online
• 6:26
  because
• 6:26
  we
• 6:26
  can
• 6:26
  have
• 6:27
  this
• 6:27
  conversation
• 6:27
  of
• 6:27
  what
• 6:27
  things
• 6:28
  really
• 6:28
  cost.
• 6:29
  You
• 6:29
  know,
• 6:30
  for
• 6:30
  me
• 6:30
  as
• 6:30
  a
• 6:30
  homeowner,
• 6:31
  I'm
• 6:31
  a
• 6:31
  little
• 6:31
  different
• 6:32
  than
• 6:32
  most
• 6:32
  people.
• 6:33
  I'm
• 6:33
  not
• 6:34
  going
• 6:34
  to
• 6:34
  do
• 6:34
  a
• 6:34
  fifteen
• 6:34
  hundred
• 6:35
  dollar
• 6:35
  claim.
• 6:35
  I'm
• 6:36
  not.
• 6:37
  If
• 6:37
  I
• 6:37
  had
• 6:37
  something
• 6:38
  damaged
• 6:38
  in
• 6:38
  my
• 6:38
  house,
• 6:38
  I'm
• 6:39
  just
• 6:39
  going
• 6:39
  to
• 6:39
  fix
• 6:39
  it.
• 6:41
  Not
• 6:41
  going
• 6:41
  to
• 6:41
  call
• 6:41
  in
• 6:41
  and
• 6:42
  deal
• 6:42
  with
• 6:42
  it.
• 6:42
  It's
• 6:42
  not
• 6:42
  more
• 6:42
  worth
• 6:42
  my
• 6:43
  time.
• 6:44
  If
• 6:44
  I
• 6:44
  had
• 6:44
  a
• 6:45
  broken
• 6:45
  pipe,
• 6:45
  guess
• 6:46
  what,
• 6:46
  I'm
• 6:46
  going
• 6:46
  to
• 6:46
  fix
• 6:46
  it.
• 6:48
  It's
• 6:48
  not
• 6:48
  worth
• 6:49
  paying
• 6:49
  the
• 6:49
  1500
• 6:49
  bucks
• 6:50
  because
• 6:50
  I
• 6:50
  can
• 6:50
  probably
• 6:50
  fix
• 6:51
  it
• 6:51
  for
• 6:51
  that.
• 6:52
  If
• 6:52
  it's
• 6:52
  going
• 6:52
  to
• 6:52
  be
• 6:53
  big,
• 6:53
  it's
• 6:53
  going
• 6:53
  to
• 6:53
  be
• 6:53
  big
• 6:53
  and
• 6:54
  then
• 6:54
  I'll
• 6:54
  deal
• 6:54
  with
• 6:54
  it
• 6:54
  then.
• 6:55
  But
• 6:55
  I
• 6:55
  don't
• 6:55
  need
• 6:56
  to
• 6:56
  have
• 6:56
  a
• 6:56
  500
• 6:57
  deductible
• 6:57
  on
• 6:57
  my
• 6:58
  house
• 6:58
  or
• 6:58
  thousand
• 6:58
  dollar
• 6:59
  deductible
• 6:59
  in
• 6:59
  my
• 6:59
  house
• 7:00
  because
• 7:00
  I'm
• 7:00
  just
• 7:01
  going
• 7:01
  to
• 7:01
  take
• 7:01
  care
• 7:01
  of
• 7:01
  it
• 7:01
  myself.
• 7:02
  So
• 7:02
  have
• 7:03
  those
• 7:03
  conversations
• 7:03
  with
• 7:04
  your
• 7:04
  agent
• 7:04
  that
• 7:04
  could
• 7:04
  save
• 7:04
  you
• 7:05
  some
• 7:05
  money.
• 7:06
  But
• 7:06
  really,
• 7:06
  when
• 7:06
  it
• 7:07
  comes
• 7:07
  down
• 7:07
  to
• 7:08
  working
• 7:08
  on
• 7:08
  projects,
• 7:09
  and
• 7:10
  especially
• 7:11
  if
• 7:11
  you're
• 7:11
  a
• 7:11
  modeler
• 7:12
  or
• 7:12
  a,
• 7:12
  or
• 7:13
  a
• 7:13
  person
• 7:13
  doing
• 7:14
  a
• 7:14
  lot
• 7:14
  of
• 7:14
  DIY
• 7:15
  projects,
• 7:15
  you
• 7:15
  should
• 7:15
  be
• 7:15
  having
• 7:16
  that
• 7:16
  conversation
• 7:16
  with
• 7:17
  them
• 7:17
  as
• 7:17
  well
• 7:17
  to
• 7:18
  make
• 7:18
  sure
• 7:18
  you're
• 7:18
  covered.
• 7:18
  Because
• 7:19
  sometimes
• 7:19
  you
• 7:19
  put
• 7:19
  more
• 7:20
  into
• 7:20
  that
• 7:20
  house
• 7:20
  and
• 7:20
  what
• 7:21
  you
• 7:21
  know,
• 7:21
  I
• 7:21
  know
• 7:22
  people
• 7:22
  that
• 7:22
  I'm
• 7:22
  like,
• 7:23
  oh,
• 7:23
  you've
• 7:23
  got
• 7:24
  a
• 7:24
  $250,000
• 7:26
  replacement
• 7:27
  value
• 7:27
  on
• 7:27
  the
• 7:27
  house.
• 7:28
  If
• 7:28
  the
• 7:28
  house
• 7:28
  burned
• 7:28
  down,
• 7:29
  awesome.
• 7:29
  But
• 7:30
  didn't
• 7:30
  you
• 7:30
  just
• 7:31
  spend
• 7:31
  $80,000
• 7:32
  in
• 7:32
  a
• 7:32
  brand
• 7:33
  new
• 7:33
  kitchen?
• 7:35
  Does
• 7:35
  that
• 7:35
  make
• 7:35
  sense?
• 7:37
  So
• 7:37
  you
• 7:37
  start
• 7:37
  to
• 7:37
  think
• 7:38
  about
• 7:38
  some
• 7:38
  of
• 7:38
  that
• 7:38
  stuff
• 7:38
  and
• 7:38
  go,
• 7:39
  wait
• 7:39
  a
• 7:39
  minute,
• 7:39
  maybe
• 7:39
  I
• 7:40
  can't
• 7:40
  replace
• 7:40
  the
• 7:40
  structure
• 7:41
  for
• 7:41
  what
• 7:41
  I
• 7:41
  think.
• 7:43
  So
• 7:43
  be
• 7:43
  careful
• 7:44
  with
• 7:44
  that.
• 7:44
  But
• 7:45
  back
• 7:45
  to
• 7:45
  financing.
• 7:46
  I
• 7:46
  want
• 7:46
  you
• 7:46
  to
• 7:46
  have
• 7:46
  some
• 7:47
  money
• 7:47
  or
• 7:48
  the
• 7:48
  ability
• 7:48
  to
• 7:48
  go
• 7:48
  get
• 7:49
  money
• 7:49
  if
• 7:49
  you
• 7:49
  have
• 7:49
  a
• 7:50
  disaster
• 7:50
  at
• 7:50
  your
• 7:50
  house.
• 7:51
  I
• 7:52
  don't
• 7:52
  know
• 7:52
  right
• 7:52
  now.
• 7:52
  And
• 7:52
  I
• 7:53
  love
• 7:53
  my
• 7:53
  kitchen
• 7:53
  and
• 7:53
  bath
• 7:54
  people
• 7:54
  out
• 7:54
  there,
• 7:54
  they're
• 7:54
  doing
• 7:55
  remodels,
• 7:55
  but
• 7:56
  I'm
• 7:56
  not
• 7:56
  sure
• 7:57
  right
• 7:57
  now.
• 7:57
  In
• 7:57
  2024
• 7:58
  I
• 7:58
  would.
• 7:59
  In
• 7:59
  the
• 7:59
  way
• 7:59
  the
• 7:59
  economy
• 8:00
  is
• 8:00
  and
• 8:00
  other
• 8:00
  stuff,
• 8:01
  it
• 8:01
  might
• 8:01
  not
• 8:02
  be
• 8:02
  a
• 8:02
  great
• 8:03
  idea
• 8:03
  to
• 8:03
  go
• 8:03
  out
• 8:03
  and
• 8:03
  get
• 8:03
  a
• 8:04
  9%
• 8:04
  loan
• 8:04
  to
• 8:04
  do
• 8:04
  a
• 8:05
  kitchen
• 8:05
  model.
• 8:06
  Unless
• 8:06
  you've
• 8:07
  got
• 8:07
  some
• 8:07
  savings
• 8:07
  backed
• 8:08
  up
• 8:08
  to
• 8:08
  take
• 8:08
  care
• 8:08
  of
• 8:09
  those
• 8:09
  things.
• 8:10
  So,
• 8:11
  you
• 8:11
  know,
• 8:11
  I
• 8:11
  would
• 8:11
  play
• 8:11
  it
• 8:12
  a
• 8:12
  little
• 8:12
  safe
• 8:12
  here
• 8:12
  until
• 8:13
  we
• 8:13
  get
• 8:13
  through
• 8:13
  the
• 8:13
  election,
• 8:14
  maybe
• 8:14
  through
• 8:14
  the
• 8:14
  end
• 8:14
  of
• 8:14
  the
• 8:14
  year
• 8:15
  and
• 8:16
  take
• 8:16
  a
• 8:16
  peek
• 8:16
  at
• 8:16
  it.
• 8:17
  But
• 8:17
  HELOCs?
• 8:17
  I've
• 8:18
  seen
• 8:18
  people
• 8:19
  lose
• 8:19
  their
• 8:19
  house
• 8:20
  over
• 8:20
  HELOCs.
• 8:20
  You
• 8:21
  know,
• 8:21
  if
• 8:21
  you
• 8:21
  don't
• 8:21
  plan
• 8:22
  ahead
• 8:22
  for
• 8:22
  that,
• 8:22
  you
• 8:23
  know,
• 8:23
  I'll
• 8:23
  defer
• 8:24
  that
• 8:24
  out.
• 8:24
  A
• 8:24
  year
• 8:24
  or
• 8:24
  two
• 8:25
  can
• 8:26
  be
• 8:26
  a
• 8:26
  big
• 8:26
  problem.
• 8:27
  What
• 8:28
  happens
• 8:28
  a
• 8:28
  year
• 8:28
  from
• 8:28
  tune
• 8:29
  down?
• 8:29
  You
• 8:29
  can't
• 8:29
  make
• 8:30
  a
• 8:30
  big
• 8:30
  payment
• 8:30
  on
• 8:30
  that,
• 8:31
  suggest
• 8:32
  or
• 8:32
  five
• 8:33
  years
• 8:33
  or
• 8:33
  whatever
• 8:33
  it
• 8:33
  is.
• 8:34
  So
• 8:34
  be
• 8:35
  really
• 8:35
  careful
• 8:35
  not
• 8:35
  to
• 8:35
  paint
• 8:36
  yourself
• 8:36
  in
• 8:36
  a
• 8:36
  corner
• 8:38
  with
• 8:38
  a
• 8:38
  remodeling
• 8:39
  situation.
• 8:40
  The
• 8:40
  best
• 8:40
  way
• 8:41
  is
• 8:41
  cash.
• 8:42
  You
• 8:43
  know,
• 8:43
  if
• 8:43
  you.
• 8:43
  If
• 8:43
  you
• 8:43
  can
• 8:44
  go
• 8:44
  into
• 8:44
  your
• 8:44
  home
• 8:44
  improvement
• 8:45
  store
• 8:46
  and
• 8:46
  get
• 8:47
  90
• 8:48
  days,
• 8:48
  120
• 8:49
  days,
• 8:49
  six
• 8:50
  months,
• 8:50
  same
• 8:50
  as
• 8:50
  cash
• 8:52
  a
• 8:52
  year.
• 8:52
  No,
• 8:53
  fine.
• 8:53
  It,
• 8:53
  you
• 8:53
  know,
• 8:53
  no
• 8:53
  interest
• 8:54
  financing
• 8:54
  or
• 8:54
  whatever,
• 8:54
  maybe
• 8:55
  that
• 8:55
  makes
• 8:55
  sense
• 8:55
  for
• 8:55
  you.
• 8:56
  You
• 8:57
  can
• 8:57
  save
• 8:57
  the
• 8:57
  money,
• 8:57
  put
• 8:58
  it
• 8:58
  away,
• 8:58
  pay
• 8:58
  it
• 8:58
  off.
• 9:00
  And
• 9:00
  the
• 9:00
  worst
• 9:00
  case
• 9:00
  is
• 9:02
  maybe
• 9:02
  you
• 9:02
  just
• 9:02
  have
• 9:03
  to
• 9:03
  sit
• 9:03
  there
• 9:03
  and
• 9:04
  pay
• 9:04
  the
• 9:05
  interest
• 9:05
  rate
• 9:05
  at
• 9:05
  the
• 9:05
  end.
• 9:07
  But
• 9:07
  that
• 9:07
  might
• 9:08
  not
• 9:08
  be
• 9:08
  a
• 9:08
  bad
• 9:08
  way
• 9:08
  to
• 9:09
  go
• 9:09
  with
• 9:09
  some
• 9:09
  of
• 9:09
  these,
• 9:10
  you
• 9:10
  know,
• 9:10
  store
• 9:11
  cards
• 9:11
  and
• 9:11
  things
• 9:12
  like
• 9:12
  that.
• 9:12
  But
• 9:12
  you
• 9:12
  got
• 9:12
  to
• 9:13
  be
• 9:13
  careful
• 9:13
  because
• 9:13
  it's
• 9:13
  a
• 9:14
  big
• 9:14
  trap,
• 9:14
  too.
• 9:14
  They
• 9:15
  want
• 9:15
  to
• 9:15
  charge
• 9:15
  you
• 9:15
  that
• 9:15
  interest
• 9:16
  at
• 9:16
  the
• 9:16
  end.
• 9:17
  I've
• 9:17
  made
• 9:18
  that
• 9:18
  mistake.
• 9:19
  You
• 9:19
  go,
• 9:20
  oh,
• 9:20
  man,
• 9:20
  I
• 9:20
  should
• 9:21
  have
• 9:21
  paid
• 9:21
  that
• 9:21
  off.
• 9:22
  I
• 9:22
  missed
• 9:22
  it
• 9:23
  by
• 9:23
  a
• 9:23
  few
• 9:23
  days.
• 9:23
  Whoop,
• 9:24
  there
• 9:24
  goes
• 9:24
  hundreds
• 9:24
  of
• 9:24
  dollars
• 9:25
  on
• 9:25
  that
• 9:25
  thing.
• 9:25
  Because
• 9:25
  you
• 9:26
  missed
• 9:26
  the
• 9:27
  one
• 9:27
  year
• 9:27
  seamless
• 9:28
  cash,
• 9:28
  a
• 9:28
  best
• 9:28
  buy
• 9:29
  or
• 9:29
  whatever
• 9:29
  on
• 9:29
  there.
• 9:30
  And
• 9:30
  they
• 9:30
  did
• 9:30
  a
• 9:30
  good
• 9:30
  job
• 9:30
  of
• 9:31
  warning
• 9:31
  me.
• 9:32
  I
• 9:32
  burned
• 9:32
  myself
• 9:33
  on
• 9:33
  that
• 9:33
  one,
• 9:33
  though,
• 9:34
  Just
• 9:34
  getting
• 9:34
  busy
• 9:35
  and
• 9:35
  not
• 9:35
  paying
• 9:35
  attention
• 9:35
  to
• 9:36
  it.
• 9:36
  That
• 9:37
  can
• 9:37
  cost
• 9:37
  you
• 9:37
  some
• 9:37
  significant
• 9:38
  money.
• 9:38
  But
• 9:39
  be
• 9:39
  really
• 9:39
  careful
• 9:40
  out
• 9:40
  there,
• 9:40
  guys.
• 9:40
  I
• 9:41
  would
• 9:41
  be
• 9:42
  financing
• 9:42
  cash
• 9:43
  out
• 9:43
  of
• 9:43
  pocket.
• 9:44
  Unless
• 9:44
  you
• 9:45
  know
• 9:46
  your
• 9:46
  situation,
• 9:47
  you
• 9:47
  have
• 9:47
  a
• 9:47
  great
• 9:47
  control
• 9:48
  of
• 9:48
  your
• 9:48
  situation,
• 9:49
  you
• 9:50
  know,
• 9:50
  make
• 9:50
  sure
• 9:50
  that
• 9:50
  you're
• 9:51
  good.
• 9:51
  I
• 9:51
  just
• 9:52
  don't
• 9:52
  know
• 9:52
  where
• 9:52
  things
• 9:52
  are
• 9:53
  going
• 9:53
  to
• 9:53
  go
• 9:53
  here
• 9:53
  in
• 9:53
  the
• 9:53
  next.
• 9:54
  You
• 9:54
  know,
• 9:54
  it's
• 9:55
  been
• 9:55
  a
• 9:55
  wild
• 9:55
  ride
• 9:56
  this
• 9:56
  week
• 9:56
  for
• 9:56
  politics
• 9:57
  out
• 9:57
  there,
• 9:57
  and
• 9:58
  we
• 9:58
  don't
• 9:58
  do
• 9:58
  politics
• 9:58
  on
• 9:59
  this
• 9:59
  show.
• 9:59
  And
• 9:59
  I
• 9:59
  really
• 10:00
  try
• 10:00
  to
• 10:00
  keep
• 10:00
  that
• 10:00
  out
• 10:01
  of
• 10:01
  here
• 10:01
  as
• 10:01
  best
• 10:02
  I
• 10:02
  can
• 10:02
  because
• 10:02
  I
• 10:02
  know
• 10:03
  every
• 10:03
  single
• 10:03
  person
• 10:03
  that's
• 10:04
  listening
• 10:04
  right
• 10:04
  now
• 10:05
  is
• 10:05
  so
• 10:05
  sick
• 10:06
  and
• 10:06
  tired
• 10:06
  of
• 10:06
  it
• 10:06
  like
• 10:06
  I
• 10:07
  am.
• 10:07
  But
• 10:08
  we
• 10:08
  just
• 10:08
  got
• 10:08
  to
• 10:09
  see
• 10:09
  where
• 10:09
  things
• 10:09
  go
• 10:09
  out
• 10:09
  there,
• 10:10
  guys,
• 10:10
  and
• 10:10
  I
• 10:11
  think
• 10:11
  we'll
• 10:11
  be
• 10:11
  able
• 10:11
  to
• 10:11
  make
• 10:11
  some
• 10:11
  better
• 10:12
  decisions
• 10:12
  of
• 10:12
  what's
• 10:12
  going
• 10:12
  to
• 10:13
  happen
• 10:13
  here
• 10:14
  in
• 10:14
  the
• 10:14
  next
• 10:14
  few
• 10:14
  months.
• 10:16
  So
• 10:16
  keep
• 10:16
  your
• 10:16
  head
• 10:16
  up,
• 10:17
  stay
• 10:17
  positive
• 10:17
  out
• 10:18
  there.
• 10:19
  No
• 10:19
  matter
• 10:19
  what.
• 10:20
  This
• 10:20
  election
• 10:20
  season,
• 10:21
  as
• 10:21
  homeowners,
• 10:23
  half
• 10:23
  of
• 10:23
  us
• 10:23
  are
• 10:24
  going
• 10:24
  to
• 10:24
  feel
• 10:24
  really
• 10:24
  upset
• 10:25
  about
• 10:25
  what's
• 10:25
  going
• 10:25
  on,
• 10:26
  depending
• 10:26
  on
• 10:26
  which
• 10:26
  half
• 10:27
  it
• 10:27
  is.
• 10:28
  And
• 10:29
  so
• 10:29
  be
• 10:29
  kind
• 10:29
  to
• 10:30
  ourselves.
• 10:30
  Let's
• 10:30
  see
• 10:31
  if
• 10:31
  we
• 10:32
  can
• 10:32
  learn
• 10:33
  one
• 10:33
  thing
• 10:34
  from
• 10:34
  this
• 10:34
  election
• 10:35
  season
• 10:36
  is
• 10:36
  that
• 10:36
  we've
• 10:37
  got
• 10:37
  to
• 10:38
  really
• 10:38
  keep
• 10:38
  ourselves
• 10:39
  positive.
• 10:40
  Shake
• 10:41
  your
• 10:41
  neighbor's
• 10:42
  hand
• 10:43
  that's
• 10:43
  got
• 10:43
  the
• 10:43
  opposing
• 10:44
  party's
• 10:44
  political
• 10:45
  sign
• 10:45
  on
• 10:45
  it.
• 10:46
  See
• 10:46
  if
• 10:46
  we
• 10:47
  can
• 10:47
  mend
• 10:47
  some
• 10:47
  fences
• 10:48
  here.
• 10:48
  Because,
• 10:49
  tell
• 10:49
  you
• 10:49
  what,
• 10:50
  we
• 10:50
  need
• 10:50
  to
• 10:51
  have
• 10:51
  better
• 10:51
  neighborhoods,
• 10:52
  better
• 10:52
  friends,
• 10:53
  better
• 10:53
  people.
• 10:55
  And
• 10:56
  some
• 10:56
  of
• 10:56
  us,
• 10:57
  all
• 10:57
  of
• 10:57
  us,
• 10:58
  if
• 10:59
  we
• 10:59
  can
• 10:59
  take
• 10:59
  two
• 10:59
  steps
• 11:00
  to
• 11:01
  mending
• 11:01
  fences
• 11:02
  and
• 11:02
  stopping
• 11:03
  the
• 11:03
  hate
• 11:03
  and
• 11:03
  divisiveness
• 11:04
  out
• 11:04
  there,
• 11:05
  I
• 11:05
  think
• 11:06
  we
• 11:06
  can
• 11:06
  get
• 11:06
  ourselves
• 11:07
  turned
• 11:07
  around,
• 11:07
  out
• 11:07
  of
• 11:07
  this
• 11:08
  death
• 11:08
  spiral
• 11:09
  we're
• 11:09
  in
• 11:10
  of
• 11:10
  negativity.
• 11:11
  And
• 11:11
  if
• 11:11
  we
• 11:12
  could
• 11:12
  do
• 11:12
  something
• 11:12
  like
• 11:12
  that,
• 11:12
  I
• 11:13
  think
• 11:13
  we're
• 11:13
  all
• 11:13
  gonna.
• 11:14
  We
• 11:14
  can
• 11:14
  make
• 11:14
  something
• 11:15
  positive
• 11:15
  out
• 11:15
  of
• 11:15
  this
• 11:15
  for
• 11:16
  all
• 11:16
  of
• 11:16
  us.
• 11:17
  And
• 11:17
  so
• 11:18
  that's
• 11:18
  my
• 11:18
  little,
• 11:19
  Little,
• 11:20
  you
• 11:20
  know,
• 11:21
  soapbox
• 11:21
  speech
• 11:22
  right
• 11:22
  there,
• 11:22
  guys.
• 11:22
  Of,
• 11:23
  man,
• 11:24
  I
• 11:24
  tell
• 11:24
  you
• 11:24
  what,
• 11:25
  like
• 11:25
  you,
• 11:26
  like
• 11:26
  many
• 11:26
  of
• 11:26
  you,
• 11:27
  you
• 11:27
  kind
• 11:28
  of
• 11:28
  have
• 11:28
  two
• 11:28
  choices.
• 11:28
  Either
• 11:29
  get
• 11:29
  fired
• 11:29
  up
• 11:29
  or
• 11:29
  what's
• 11:30
  going
• 11:30
  on,
• 11:30
  or
• 11:30
  you
• 11:30
  turn
• 11:30
  it
• 11:31
  off
• 11:31
  and
• 11:31
  walk
• 11:31
  away.
• 11:32
  And,
• 11:33
  you
• 11:33
  know,
• 11:33
  just
• 11:34
  do
• 11:34
  what
• 11:34
  you
• 11:34
  can
• 11:34
  do
• 11:34
  to
• 11:35
  maintain
• 11:35
  that
• 11:35
  you're
• 11:36
  in
• 11:36
  a
• 11:36
  good
• 11:36
  position.
• 11:38
  Watch
• 11:38
  your
• 11:38
  family
• 11:38
  and
• 11:39
  friends,
• 11:39
  make
• 11:39
  sure
• 11:39
  everybody's
• 11:40
  safe.
• 11:41
  And
• 11:41
  let's
• 11:42
  keep
• 11:42
  our
• 11:42
  heads
• 11:42
  up
• 11:42
  on
• 11:43
  this,
• 11:43
  because
• 11:44
  I
• 11:44
  think
• 11:44
  we've
• 11:44
  got
• 11:45
  one
• 11:45
  more
• 11:45
  week
• 11:45
  of
• 11:45
  a
• 11:45
  bumpy
• 11:46
  ride,
• 11:46
  and
• 11:46
  hopefully
• 11:47
  this.
• 11:48
  This
• 11:48
  is
• 11:48
  over
• 11:48
  for
• 11:48
  everybody
• 11:49
  for
• 11:49
  a
• 11:49
  bit
• 11:50
  and
• 11:50
  we
• 11:50
  can
• 11:51
  get
• 11:51
  back
• 11:51
  to
• 11:52
  building
• 11:52
  beautiful
• 11:53
  houses,
• 11:53
  remodeling
• 11:54
  our
• 11:54
  homes,
• 11:54
  making
• 11:55
  things
• 11:55
  look
• 11:55
  beautiful,
• 11:56
  and
• 11:56
  getting
• 11:56
  ready
• 11:57
  for
• 11:57
  the
• 11:57
  holidays.
• 11:57
  I'd
• 11:57
  love
• 11:58
  to
• 11:58
  get
• 11:58
  this
• 11:58
  behind
• 11:58
  us
• 11:59
  so
• 11:59
  we
• 11:59
  can
• 11:59
  all
• 11:59
  have
• 11:59
  our
• 12:00
  friends
• 12:00
  and
• 12:00
  family
• 12:00
  together
• 12:01
  for
• 12:01
  Thanksgiving,
• 12:02
  Christmas,
• 12:03
  Hanukkah,
• 12:03
  whatever
• 12:04
  we
• 12:04
  celebrate
• 12:05
  out
• 12:05
  there,
• 12:06
  into
• 12:06
  the
• 12:06
  holiday
• 12:06
  season.
• 12:07
  It's
• 12:07
  going
• 12:07
  to
• 12:07
  be
• 12:07
  a
• 12:08
  great
• 12:08
  year,
• 12:08
  I
• 12:08
  think,
• 12:09
  and
• 12:09
  I
• 12:09
  think
• 12:09
  we
• 12:09
  all
• 12:09
  have
• 12:09
  a
• 12:09
  lot
• 12:10
  to
• 12:10
  be
• 12:10
  thankful
• 12:10
  for.
• 12:11
  But
• 12:12
  let's
• 12:12
  see
• 12:12
  if
• 12:12
  we
• 12:12
  can
• 12:12
  get
• 12:12
  through
• 12:12
  this,
• 12:13
  guys.
• 12:13
  And
• 12:14
  I
• 12:14
  don't
• 12:14
  want
• 12:14
  to
• 12:14
  sound
• 12:14
  negative
• 12:15
  here.
• 12:15
  Let's
• 12:15
  just
• 12:15
  keep
• 12:15
  it
• 12:16
  going
• 12:16
  and
• 12:17
  keep
• 12:17
  that
• 12:17
  positivity
• 12:18
  out
• 12:18
  there
• 12:18
  going
• 12:19
  and
• 12:20
  enjoy
• 12:21
  ourselves.
• 12:21
  Coming
• 12:22
  into
• 12:22
  these
• 12:22
  holidays
• 12:23
  and
• 12:24
  just
• 12:24
  think
• 12:24
  about
• 12:24
  your
• 12:24
  money
• 12:24
  situation
• 12:25
  out
• 12:25
  there.
• 12:25
  Don't
• 12:26
  put
• 12:26
  yourself
• 12:26
  in
• 12:26
  a
• 12:26
  position
• 12:27
  where
• 12:27
  you're
• 12:28
  taking
• 12:28
  risks
• 12:28
  at
• 12:28
  this
• 12:29
  point.
• 12:30
  You
• 12:30
  know,
• 12:30
  we're
• 12:30
  just
• 12:30
  seeing
• 12:31
  too
• 12:31
  many.
• 12:31
  Too
• 12:32
  many
• 12:32
  volatile
• 12:32
  situations
• 12:33
  where
• 12:33
  I
• 12:33
  say,
• 12:34
  you
• 12:34
  know,
• 12:35
  hey,
• 12:35
  if
• 12:35
  you
• 12:35
  need
• 12:35
  to
• 12:35
  do
• 12:36
  something
• 12:36
  like,
• 12:37
  hey,
• 12:37
  I
• 12:37
  gotta
• 12:37
  put
• 12:37
  a
• 12:37
  roof
• 12:37
  on
• 12:38
  this
• 12:38
  house,
• 12:38
  go
• 12:39
  put
• 12:39
  a
• 12:39
  roof
• 12:39
  on
• 12:39
  the
• 12:39
  house.
• 12:40
  If
• 12:40
  you're
• 12:41
  like,
• 12:41
  I
• 12:41
  got
• 12:41
  windows
• 12:41
  that
• 12:42
  are
• 12:42
  failing
• 12:42
  that,
• 12:42
  I
• 12:42
  Gotta
• 12:43
  fix.
• 12:43
  I'm
• 12:43
  gonna
• 12:43
  cause
• 12:43
  more
• 12:44
  damage.
• 12:44
  Right
• 12:45
  now,
• 12:45
  you
• 12:45
  should
• 12:45
  be
• 12:45
  working
• 12:46
  on
• 12:46
  those
• 12:46
  projects
• 12:47
  that
• 12:47
  are
• 12:48
  foundational
• 12:48
  to
• 12:48
  your
• 12:49
  home
• 12:50
  to
• 12:50
  make
• 12:50
  sure
• 12:50
  that
• 12:51
  you're
• 12:51
  in
• 12:51
  a
• 12:51
  good
• 12:51
  position
• 12:52
  moving
• 12:52
  forward.
• 12:52
  If
• 12:52
  you've
• 12:52
  got
• 12:53
  an
• 12:53
  H
• 12:53
  VAC
• 12:53
  system
• 12:54
  that's
• 12:54
  not
• 12:54
  working
• 12:54
  100%,
• 12:55
  get
• 12:56
  that
• 12:56
  service
• 12:56
  tech
• 12:56
  out,
• 12:56
  get
• 12:57
  it
• 12:57
  taken
• 12:57
  care
• 12:57
  of.
• 12:58
  You
• 12:58
  know,
• 12:58
  if
• 12:58
  you
• 12:58
  need
• 12:59
  a
• 12:59
  new
• 12:59
  system,
• 12:59
  guess
• 13:00
  what?
• 13:00
  I'd
• 13:01
  probably
• 13:01
  be
• 13:01
  doing
• 13:01
  it
• 13:01
  now
• 13:02
  because
• 13:02
  they're
• 13:02
  not
• 13:02
  going
• 13:02
  to
• 13:02
  get
• 13:03
  cheaper
• 13:03
  anytime
• 13:03
  soon.
• 13:04
  And
• 13:04
  a
• 13:05
  lot
• 13:05
  of
• 13:05
  those
• 13:05
  rebates
• 13:05
  out
• 13:06
  there
• 13:06
  that
• 13:06
  are
• 13:06
  coming
• 13:08
  might
• 13:09
  not
• 13:09
  be
• 13:09
  something
• 13:09
  that's
• 13:09
  going
• 13:10
  to
• 13:10
  help
• 13:10
  you.
• 13:10
  So
• 13:10
  take
• 13:10
  a
• 13:11
  peek
• 13:11
  at
• 13:11
  what
• 13:11
  you
• 13:11
  want
• 13:11
  to
• 13:11
  do.
• 13:13
  Put
• 13:13
  the
• 13:13
  system
• 13:13
  in.
• 13:13
  You
• 13:14
  want
• 13:15
  before
• 13:15
  they
• 13:15
  can
• 13:15
  tell
• 13:15
  you
• 13:16
  what
• 13:16
  system
• 13:16
  you
• 13:16
  can
• 13:16
  put
• 13:17
  in
• 13:17
  and
• 13:17
  what
• 13:17
  system
• 13:17
  you
• 13:18
  can
• 13:18
  something
• 13:19
  to
• 13:19
  save
• 13:19
  money
• 13:19
  on.
• 13:20
  Because
• 13:20
  those
• 13:21
  systems,
• 13:21
  as
• 13:21
  they
• 13:21
  change
• 13:22
  out
• 13:22
  and
• 13:22
  make.
• 13:23
  Make
• 13:23
  them
• 13:23
  more
• 13:24
  efficient,
• 13:24
  they
• 13:25
  never
• 13:25
  get
• 13:25
  cheaper.
• 13:26
  So
• 13:26
  it
• 13:26
  might
• 13:26
  be
• 13:27
  a
• 13:27
  good
• 13:27
  time
• 13:27
  to
• 13:27
  do
• 13:27
  something
• 13:27
  like
• 13:28
  that
• 13:28
  to
• 13:28
  make
• 13:28
  your
• 13:29
  home
• 13:29
  a
• 13:29
  little
• 13:29
  bit
• 13:29
  healthier.
• 13:30
  All
• 13:30
  right,
• 13:31
  everybody,
• 13:31
  I'm
• 13:32
  going
• 13:32
  to
• 13:32
  let
• 13:32
  you
• 13:32
  go.
• 13:32
  I'm
• 13:33
  going
• 13:33
  to
• 13:33
  rest
• 13:33
  my
• 13:33
  voice
• 13:33
  here
• 13:33
  a
• 13:34
  little
• 13:34
  bit.
• 13:34
  Get
• 13:35
  this
• 13:35
  up.
• 13:35
  Happy
• 13:36
  middle
• 13:36
  of
• 13:36
  the
• 13:36
  week
• 13:36
  out
• 13:37
  there.
• 13:37
  We
• 13:38
  got
• 13:38
  six
• 13:39
  days
• 13:39
  till
• 13:39
  election
• 13:40
  season
• 13:40
  is
• 13:40
  over.
• 13:41
  I
• 13:41
  know
• 13:41
  we'll
• 13:41
  probably
• 13:42
  be
• 13:42
  hanging
• 13:42
  around
• 13:42
  for
• 13:42
  a
• 13:42
  couple
• 13:43
  of
• 13:43
  days
• 13:43
  with
• 13:43
  breaking
• 13:43
  news,
• 13:44
  because
• 13:44
  I
• 13:44
  got
• 13:44
  a
• 13:44
  feeling
• 13:44
  this
• 13:44
  one
• 13:45
  might
• 13:45
  drag
• 13:46
  out
• 13:46
  a
• 13:46
  couple
• 13:46
  extra
• 13:47
  days,
• 13:47
  especially
• 13:47
  in
• 13:48
  local
• 13:48
  elections
• 13:48
  and
• 13:48
  stuff
• 13:49
  out
• 13:49
  there.
• 13:49
  But
• 13:50
  I
• 13:50
  hope
• 13:50
  things
• 13:50
  go
• 13:50
  your
• 13:51
  way
• 13:51
  and
• 13:52
  you
• 13:52
  can
• 13:52
  keep
• 13:52
  your
• 13:52
  head
• 13:53
  up
• 13:53
  and
• 13:53
  make
• 13:53
  it
• 13:53
  through
• 13:54
  this
• 13:54
  last
• 13:54
  week
• 13:55
  of
• 13:55
  election
• 13:56
  season
• 13:56
  2024
• 13:57
  out
• 13:57
  there.
• 13:58
  All
• 13:58
  right,
• 13:58
  everybody,
• 13:59
  thanks
• 13:59
  for
• 13:59
  tuning
• 14:00
  in
• 14:00
  around
• 14:00
  the
• 14:00
  house.
• 14:00
  I
• 14:01
  really
• 14:01
  appreciate
• 14:01
  your
• 14:02
  support
• 14:03
  and
• 14:03
  you
• 14:03
  tuning
• 14:04
  into
• 14:04
  the
• 14:04
  show
• 14:04
  today.
• 14:05
  We
• 14:05
  got
• 14:05
  a
• 14:05
  great
• 14:05
  show
• 14:06
  coming
• 14:06
  up
• 14:06
  this
• 14:06
  weekend.
• 14:07
  We
• 14:07
  got
• 14:07
  some
• 14:07
  new
• 14:08
  tools
• 14:08
  and
• 14:09
  we
• 14:09
  got
• 14:09
  some
• 14:09
  great
• 14:09
  stuff
• 14:10
  talking
• 14:10
  about
• 14:10
  things
• 14:10
  you
• 14:11
  can
• 14:11
  do
• 14:11
  to
• 14:11
  your
• 14:11
  house
• 14:12
  to
• 14:12
  make
• 14:12
  it
• 14:12
  a
• 14:12
  little
• 14:13
  bit
• 14:13
  healthier,
• 14:14
  especially
• 14:14
  when
• 14:15
  we're
• 14:15
  coming
• 14:15
  into
• 14:15
  fall
• 14:16
  and
• 14:16
  winter
• 14:16
  and
• 14:16
  we're
• 14:16
  closing
• 14:17
  things
• 14:17
  up
• 14:18
  for,
• 14:18
  you
• 14:18
  know,
• 14:19
  that
• 14:19
  bad
• 14:19
  weather
• 14:20
  that
• 14:20
  typically
• 14:20
  comes
• 14:20
  in
• 14:21
  for
• 14:21
  many
• 14:21
  places
• 14:22
  here
• 14:22
  in
• 14:22
  the
• 14:22
  US
• 14:23
  I'm
• 14:23
  Eric
• 14:24
  G.
• 14:24
  You've
• 14:24
  been
• 14:24
  listening
• 14:25
  to
• 14:25
  around
• 14:25
  the
• 14:26
  House.
• 14:38
  Somewhere
• 14:39
  unseen
• 14:41
  and
• 14:42
  undiscovered
• 14:44
  Anywhere
• 14:45
  beyond
• 14:46
  the
• 14:46
  me
• 14:47
  Love
• 14:48
  is
• 14:48
  a
• 14:48
  love
• 14:48
  song
• 14:49
  let's
• 14:49
  be
• 14:50
  lovers
• 14:51
  we're
• 14:51
  all
• 14:51
  over
• 14:52
  the
• 14:52
  radio
• 14:54
  Take
• 14:54
  my
• 14:59
  radio
• 15:00
  with.