1 00:00:00,120 --> 00:00:04,400 The next Stefan Good Day download with Doug and Jay Kirshner is made possible in 2 00:00:04,440 --> 00:00:08,039 part by Keltren, which is the safe way for you to lose weight and 3 00:00:08,320 --> 00:00:12,960 keep it off, and also by prevagent keeping your brain healthy. It's money 4 00:00:13,000 --> 00:00:18,239 Pit time with mister money Pit. Mister, let's see what would be money 5 00:00:18,440 --> 00:00:22,760 money? Mister bunny Bags, he could be mister money Bags. Yeah, 6 00:00:22,839 --> 00:00:26,000 mister money Pit. Yeah, isn't it Yeah? Listen, we all getting 7 00:00:26,000 --> 00:00:28,960 along. It's okay. Tom Kreidler is here, co host of the money 8 00:00:28,960 --> 00:00:32,000 Pit program, heard every weekend around the country. A lot of these same 9 00:00:32,039 --> 00:00:37,520 stations also has fabulous information on the money Pit podcast and the money Pit newsletter 10 00:00:37,600 --> 00:00:41,000 that you can get. But first, a question from one of our listeners. 11 00:00:41,079 --> 00:00:46,600 Her name is Stacy. She reached out says, I've been told by 12 00:00:46,759 --> 00:00:53,520 roofing contractors the using spray foam insulation on the bottom side of the roof will 13 00:00:53,520 --> 00:00:58,880 avoid a shingle warranty. Is that true? Huh yeah? Well here's the 14 00:00:58,920 --> 00:01:02,359 things they First of all, well, congratulations on considering spray foam. It 15 00:01:02,399 --> 00:01:06,599 is an awesome way to insulate your house. I've done it myself and I've 16 00:01:06,640 --> 00:01:11,439 never been happier. Now. Some roofing shingle manufacturers, in their finest of 17 00:01:11,599 --> 00:01:18,480 fine print will avoid their warranty because they will claim that, you know, 18 00:01:18,519 --> 00:01:23,719 having the spray foam on the bottom side of the roof sheathing will somehow overheat 19 00:01:23,760 --> 00:01:27,319 the shingle and cause it to deteriorate. I have never seen that happen. 20 00:01:27,439 --> 00:01:36,879 And more importantly, I think that roofing shingle warranties are useless, absolutely useless. 21 00:01:36,879 --> 00:01:40,519 And here's why, Doug, Because when you read the finest to fine 22 00:01:40,519 --> 00:01:44,159 print, you will find out that if you were to have a roofing shingle, 23 00:01:44,280 --> 00:01:46,799 Let's say you have a roof and you have what what would maybe term 24 00:01:46,879 --> 00:01:49,599 date, let's just make it easy, a twenty year shingle, right, 25 00:01:49,280 --> 00:01:57,120 and the shingles start to fail because of a known manufacturing defect, no question 26 00:01:57,159 --> 00:02:00,000 about it. It can't be blamed on anything else. Something happened factory line 27 00:02:00,079 --> 00:02:04,439 and they failed at ten years, Well you would think, hey, they're 28 00:02:04,480 --> 00:02:08,520 going to replace my roof. No they're not. Those warranties will only allow 29 00:02:08,599 --> 00:02:15,280 for you to have the depreciated value of the roofing shingles and nothing for the 30 00:02:15,360 --> 00:02:19,360 labor. It would take to roof off the old shingles and put on the 31 00:02:19,400 --> 00:02:23,560 new shingles. That's why I say that roofing shingle warranties have no value whatsoever. 32 00:02:24,319 --> 00:02:29,319 They just don't. Now, having a number like a twenty year roof 33 00:02:29,400 --> 00:02:31,039 versus a twenty five year old roofers is a thirty year old roof. You 34 00:02:31,039 --> 00:02:35,719 can use that comparatively, and you can fairly determine the quality of the shingle 35 00:02:35,759 --> 00:02:38,840 that you're buying based on that. But in terms of you know, that 36 00:02:39,000 --> 00:02:43,000 being a number that you will ever help to get to or if not, 37 00:02:43,319 --> 00:02:46,560 get some money off of it to replace the roof is not going to happen. 38 00:02:46,120 --> 00:02:50,919 Forget about it. In other words, yeah, all right, I 39 00:02:50,960 --> 00:02:53,680 mean I've heard, you know, we're doing this development up the street and 40 00:02:53,759 --> 00:02:59,319 we're looking at the homes and how to insulate them. Spray on seems to 41 00:02:59,360 --> 00:03:02,439 be more expended. So then using the old method, the what they call 42 00:03:02,520 --> 00:03:07,800 it, the bat and boy, but it's so so much better. It 43 00:03:07,879 --> 00:03:13,080 is. I'll take that to our meeting today. Yes, Tom Kriidler says, 44 00:03:13,599 --> 00:03:19,280 okay. So we also have the money Pit podcast, and the current 45 00:03:19,319 --> 00:03:23,159 one is a focus on projects for fall. We go through this obviously every 46 00:03:23,199 --> 00:03:25,960 year in the autumn and things that need to be done to protect your home 47 00:03:25,960 --> 00:03:30,759 for the winter time. What's number one on that hit parade? Well, 48 00:03:30,840 --> 00:03:35,400 right now, it's leaves, right of course. And one of the things 49 00:03:35,400 --> 00:03:39,039 I note about leaf collection is here you'll trick the trade for that that I 50 00:03:39,159 --> 00:03:44,400 like to use. I like to put a tarp down on my lamp on 51 00:03:44,439 --> 00:03:47,000 my lawn, like a small one, like a ten by ten, and 52 00:03:46,960 --> 00:03:53,479 they raked the leaves onto the tarp and then drag the tarp to the street 53 00:03:53,639 --> 00:03:55,199 and dump them in the leaves and dumped them in the curb. Now, 54 00:03:55,199 --> 00:03:59,000 of course my town, that's how they pick up the leaves. Sometimes you 55 00:03:59,080 --> 00:04:01,039 have to bag them and and that makes it much work. If your next 56 00:04:01,080 --> 00:04:03,840 our neighbor drives by it thirty miles an hour, blows all the leads back 57 00:04:03,879 --> 00:04:06,240 on the lone. Yeah, this on extent, that does happen. But 58 00:04:06,280 --> 00:04:10,039 I mean, look, that's definitely the easiest way to do that. But 59 00:04:10,439 --> 00:04:15,759 fall projects. Number one service your heating system. Absolutely critical that you get 60 00:04:15,800 --> 00:04:18,079 your heating system service because because it worked last year the meting, it's gonna 61 00:04:18,079 --> 00:04:21,519 work this year or certainly not work safely. Or efficiently this year, So 62 00:04:23,160 --> 00:04:28,480 get that HVAC system done. We talked about insulation. Always a good time 63 00:04:28,560 --> 00:04:32,560 to take a look at how much insulation you have. Most homes need about 64 00:04:32,680 --> 00:04:38,959 nineteen to twenty two inches of bat insulation. Also, as you may have 65 00:04:39,040 --> 00:04:43,519 noticed, days are getting shorter, so improve your outside lighting. So some 66 00:04:43,680 --> 00:04:46,879 ideas about doing it. I just put up new porch lights on my front 67 00:04:46,920 --> 00:04:51,680 and back porch used LED LED lights, and I like the back porch light 68 00:04:51,720 --> 00:04:57,040 in particular because it only comes on at night and it comes on at thirty 69 00:04:57,079 --> 00:05:01,360 percent illumination when you walk, when you when you when you open the door 70 00:05:01,360 --> 00:05:05,959 and walk out, automatically pops up to one hundred. Ah. That's clever. 71 00:05:06,319 --> 00:05:10,120 Yeah, very clever. And as the timer on it too, so 72 00:05:10,279 --> 00:05:15,319 yeah, well a dimmer, yeah, a photosensor all right. Tom Kreidler 73 00:05:15,439 --> 00:05:20,839 Moneypid dot Com podcast newsletter. Get the whole thing. You'll like the results. 74 00:05:21,000 --> 00:05:25,720 The next Stefan Good Day download with Doug and Jay Kirshner. Is made 75 00:05:25,759 --> 00:05:29,519 possible in part by Kelitron, which is the safe way for you to lose 76 00:05:29,560 --> 00:05:32,879 weight and keep it off, and also by prevagent keeping your brain healthy.