The next Stefan Good Day download with Doug and Jay Kirshner is made possible in
part by Keltren, which is the safe way for you to lose weight and
keep it off, and also by prevagent keeping your brain healthy. It's money
Pit time with mister money Pit. Mister, let's see what would be money
money? Mister bunny Bags, he could be mister money Bags. Yeah,
mister money Pit. Yeah, isn't it Yeah? Listen, we all getting
along. It's okay. Tom Kreidler is here, co host of the money
Pit program, heard every weekend around the country. A lot of these same
stations also has fabulous information on the money Pit podcast and the money Pit newsletter
that you can get. But first, a question from one of our listeners.
Her name is Stacy. She reached out says, I've been told by
roofing contractors the using spray foam insulation on the bottom side of the roof will
avoid a shingle warranty. Is that true? Huh yeah? Well here's the
things they First of all, well, congratulations on considering spray foam. It
is an awesome way to insulate your house. I've done it myself and I've
never been happier. Now. Some roofing shingle manufacturers, in their finest of
fine print will avoid their warranty because they will claim that, you know,
having the spray foam on the bottom side of the roof sheathing will somehow overheat
the shingle and cause it to deteriorate. I have never seen that happen.
And more importantly, I think that roofing shingle warranties are useless, absolutely useless.
And here's why, Doug, Because when you read the finest to fine
print, you will find out that if you were to have a roofing shingle,
Let's say you have a roof and you have what what would maybe term
date, let's just make it easy, a twenty year shingle, right,
and the shingles start to fail because of a known manufacturing defect, no question
about it. It can't be blamed on anything else. Something happened factory line
and they failed at ten years, Well you would think, hey, they're
going to replace my roof. No they're not. Those warranties will only allow
for you to have the depreciated value of the roofing shingles and nothing for the
labor. It would take to roof off the old shingles and put on the
new shingles. That's why I say that roofing shingle warranties have no value whatsoever.
They just don't. Now, having a number like a twenty year roof
versus a twenty five year old roofers is a thirty year old roof. You
can use that comparatively, and you can fairly determine the quality of the shingle
that you're buying based on that. But in terms of you know, that
being a number that you will ever help to get to or if not,
get some money off of it to replace the roof is not going to happen.
Forget about it. In other words, yeah, all right, I
mean I've heard, you know, we're doing this development up the street and
we're looking at the homes and how to insulate them. Spray on seems to
be more expended. So then using the old method, the what they call
it, the bat and boy, but it's so so much better. It
is. I'll take that to our meeting today. Yes, Tom Kriidler says,
okay. So we also have the money Pit podcast, and the current
one is a focus on projects for fall. We go through this obviously every
year in the autumn and things that need to be done to protect your home
for the winter time. What's number one on that hit parade? Well,
right now, it's leaves, right of course. And one of the things
I note about leaf collection is here you'll trick the trade for that that I
like to use. I like to put a tarp down on my lamp on
my lawn, like a small one, like a ten by ten, and
they raked the leaves onto the tarp and then drag the tarp to the street
and dump them in the leaves and dumped them in the curb. Now,
of course my town, that's how they pick up the leaves. Sometimes you
have to bag them and and that makes it much work. If your next
our neighbor drives by it thirty miles an hour, blows all the leads back
on the lone. Yeah, this on extent, that does happen. But
I mean, look, that's definitely the easiest way to do that. But
fall projects. Number one service your heating system. Absolutely critical that you get
your heating system service because because it worked last year the meting, it's gonna
work this year or certainly not work safely. Or efficiently this year, So
get that HVAC system done. We talked about insulation. Always a good time
to take a look at how much insulation you have. Most homes need about
nineteen to twenty two inches of bat insulation. Also, as you may have
noticed, days are getting shorter, so improve your outside lighting. So some
ideas about doing it. I just put up new porch lights on my front
and back porch used LED LED lights, and I like the back porch light
in particular because it only comes on at night and it comes on at thirty
percent illumination when you walk, when you when you when you open the door
and walk out, automatically pops up to one hundred. Ah. That's clever.
Yeah, very clever. And as the timer on it too, so
yeah, well a dimmer, yeah, a photosensor all right. Tom Kreidler
Moneypid dot Com podcast newsletter. Get the whole thing. You'll like the results.
The next Stefan Good Day download with Doug and Jay Kirshner. Is made
possible in part by Kelitron, which is the safe way for you to lose
weight and keep it off, and also by prevagent keeping your brain healthy.