WEBVTT 1 00:00:00.440 --> 00:00:05.080 You're listening to the John and Heidi Show Bonus Hour. If you miss any 2 00:00:05.120 --> 00:00:09.359 of the program, you can find a podcast at the bottom of the page 3 00:00:09.439 --> 00:00:16.480 at Junny Radio dot com. Give yourself Fundy Credit. It's more important than 4 00:00:16.600 --> 00:00:19.960 ever to have a better credit card. At better credit Cards dot com, 5 00:00:20.039 --> 00:00:24.359 we offer a variety of credit card options to fit your needs. Whether you 6 00:00:24.399 --> 00:00:27.359 want a card to give you cash back or a credit card to help you 7 00:00:27.399 --> 00:00:31.440 build your credit, we probably have it at Better credit Cards dot com. 8 00:00:31.480 --> 00:00:40.600 That's Better credit Cards dot com. Give Yourself Fundy Credit, Better Credit Cards. 9 00:00:41.759 --> 00:00:45.119 Thank you for listening to the John and Heidi Show Bonus Hour. Excited 10 00:00:45.159 --> 00:00:49.119 to have Brent Baker join us in studio here in just a moment. Also, 11 00:00:49.280 --> 00:00:54.240 we've got the really fun program This Day in Soux Falls History that's coming 12 00:00:54.359 --> 00:00:57.159 up. And then we've got a movie Star Monday at the end of this 13 00:00:57.200 --> 00:01:00.600 hour as well. Thanks for listening to the John and Heidi Show Bonus Hour 14 00:01:00.719 --> 00:01:04.280 on Sunny ninety three point three. Did you know you can allocate a percentage 15 00:01:04.280 --> 00:01:08.319 of your IRA to physical gold and silver with a tax free rollover. You 16 00:01:08.359 --> 00:01:12.920 can put your IRA back on the gold standard Genesis Gold IRA is the only 17 00:01:14.000 --> 00:01:17.959 IRA that can hold physical precious metals. Call now for your free gold and 18 00:01:18.000 --> 00:01:21.680 silver report and learn how to qualify for up to ten thousand dollars in free 19 00:01:21.680 --> 00:01:25.760 silver Genesis goold ira dot com. But like to help protect your IRA today 20 00:01:25.799 --> 00:01:29.439 with a simple phone call. Learn more and get the phone number at Genesis 21 00:01:29.519 --> 00:01:33.920 goold ira dot com. That's Genesis, goold ira dot com. Thanks for 22 00:01:33.959 --> 00:01:37.560 listening to the John and Heidi Show Bonus hour. I have Brent Baker joining 23 00:01:37.560 --> 00:01:38.840 me. It's a Monday. We've got a little real estate update. How 24 00:01:38.840 --> 00:01:42.359 are you, sir, Well, I'm fantastic. What do you think of 25 00:01:42.359 --> 00:01:45.599 the new place here? I love this new office. I was looking for 26 00:01:45.640 --> 00:01:48.159 a long time, trying to figure out a good a good old place, 27 00:01:48.159 --> 00:01:49.000 and then I get a message from Brent Baker. He's like, hey, 28 00:01:49.040 --> 00:01:52.680 I got a place for you. I think I know somebody who knows somebody 29 00:01:52.920 --> 00:01:56.040 who might know somebody, and it worked out nice. We're liking it here. 30 00:01:56.519 --> 00:01:59.280 I'm glad it all worked out in the end. One of these days 31 00:01:59.400 --> 00:02:02.040 when we get they all settled and we'll have like a like a little block 32 00:02:02.040 --> 00:02:06.079 party or something and will invite everybody to come in. But as you can 33 00:02:06.120 --> 00:02:09.000 tell it's not unpacked, is it. Well, not quite, but you 34 00:02:09.039 --> 00:02:15.039 know, we're here and it's working. So we're going to talk about real 35 00:02:15.159 --> 00:02:19.240 estate scams, which is not something we would typically talk about. But this 36 00:02:19.280 --> 00:02:22.400 is kind of a thing right now, isn't it. It is, and 37 00:02:22.479 --> 00:02:27.560 it's becoming more and more of an issue. You know, we've heard about 38 00:02:27.560 --> 00:02:31.479 wire fraud for a long time and it's almost in its old news, but 39 00:02:31.599 --> 00:02:37.319 now there's other types of scams popping up. And we've all encountered or heard 40 00:02:37.439 --> 00:02:43.199 of home repair scams after big storms and so forth. I do know of 41 00:02:43.280 --> 00:02:49.319 a realtor locally who almost got sucked into selling another person's property who didn't intend 42 00:02:49.360 --> 00:02:55.560 to sell yikes, and had done almost every step you could do to prevent 43 00:02:55.639 --> 00:03:00.360 that type of thing, and yet still in nearly took place. Yeah, 44 00:03:01.000 --> 00:03:07.080 Fortunately there was plenty of people who happened to know the owners thought something was 45 00:03:07.319 --> 00:03:12.759 funny. Yeah, but it doesn't mean that, you know, you shouldn't 46 00:03:12.759 --> 00:03:15.159 be on the alert. And so, like, what kind of things should 47 00:03:15.159 --> 00:03:19.560 people be thinking about when it like the red flags? What should they be 48 00:03:19.599 --> 00:03:23.120 looking for to know that this is maybe not a legit deal. Well, 49 00:03:25.199 --> 00:03:30.000 the red flags that seemed to pop up as contractors failed to do a job 50 00:03:30.159 --> 00:03:38.400 or do poor quality, and that, according to statistically a sixty three percent. 51 00:03:38.599 --> 00:03:42.039 Oh wow, yeah, so it's kind of frightening. You know. 52 00:03:42.520 --> 00:03:44.879 Over the years, I've had people who do you have that can do this 53 00:03:45.000 --> 00:03:49.280 right away? And generally were My response is, if they're always available, 54 00:03:49.599 --> 00:03:53.240 they're probably not very good. I remember when we and I won't say any 55 00:03:53.280 --> 00:03:55.240 names because it wouldn't be fair, but when we were building a home in 56 00:03:55.280 --> 00:03:59.599 two thousand and seven, I was trying to find somebody who could dig our 57 00:03:59.639 --> 00:04:03.599 founder and everybody I talked to was within just a couple of dollars, you 58 00:04:03.639 --> 00:04:08.159 know, maybe within twenty dollars of each other, and they were all like 59 00:04:08.199 --> 00:04:10.439 a month or two out. And then there was a guy who was half 60 00:04:10.479 --> 00:04:13.759 the price and he was available next week, and I thought, oh, 61 00:04:13.759 --> 00:04:15.639 that's amazing. Well, we had a lot of issues that came from that 62 00:04:15.800 --> 00:04:18.720 in the long run. So and like I said, I'm not gonna say 63 00:04:18.720 --> 00:04:23.000 any names, because I'm sure they probably learned their lesson by now that was 64 00:04:23.040 --> 00:04:27.399 a long time ago. Good boy, that was not good, you know, 65 00:04:27.560 --> 00:04:31.439 And once you're embroiled in that, your project is tied up. Yeah, 66 00:04:31.800 --> 00:04:38.720 so you just really want to do your homework in advance. Another thing 67 00:04:38.759 --> 00:04:45.279 that a little tail tale sign is if the contractor shows up late quite often 68 00:04:46.279 --> 00:04:50.680 or just simply misses the appointments altogether. Yeah. No, everybody's busy and 69 00:04:50.759 --> 00:04:54.439 things will come up, but if they don't have the courtesy to call and 70 00:04:54.439 --> 00:04:58.399 say, hey, I'm running a little late today, you know whatever. 71 00:04:59.120 --> 00:05:02.560 But that comes up is forty percent of the time that that's a little tip 72 00:05:02.560 --> 00:05:09.720 off. Yeah. Then it's the stacking of fees at extra charges or fees 73 00:05:09.839 --> 00:05:12.839 that had not been a part of the quote. They just kind of part 74 00:05:12.879 --> 00:05:16.800 of my story as well. That exact thing happened. So I wish I'd 75 00:05:16.839 --> 00:05:20.839 known these red flags back then. Good. So that comes up at twenty 76 00:05:21.800 --> 00:05:28.839 is twenty six percent of the time. A little vague about answers to questions 77 00:05:28.959 --> 00:05:33.680 or evasive about progress and updates, so refuse to answer questions, very vague 78 00:05:33.680 --> 00:05:39.839 answers. Yeah, so another little point to watch. And then the last 79 00:05:39.839 --> 00:05:45.680 one provide no written contract or it's a very vague contract without a lot of 80 00:05:45.759 --> 00:05:53.759 jobs specifics. And you know, I think that if you really start thinking 81 00:05:53.800 --> 00:05:58.000 about it, why wouldn't there be specifics everything else has specifics. Go buy 82 00:05:58.040 --> 00:06:01.639 a new car, I mean there's a part number for literally every piece of 83 00:06:01.639 --> 00:06:08.000 that vehicle, and there's a line for literally every charge, every accessory. 84 00:06:08.759 --> 00:06:12.360 Why wouldn't your home construction, which a home is a lot more expensive than 85 00:06:12.399 --> 00:06:16.639 a vehicle. So if somebody's maybe right now thinking oh why I got this 86 00:06:16.720 --> 00:06:19.600 issue or that issue, and I'm afraid of scams, there's probably places they 87 00:06:19.639 --> 00:06:24.519 could go to. Maybe one thing, to talk to your realtor and find 88 00:06:24.560 --> 00:06:27.920 out who they trust, so you're not just working with some random person you 89 00:06:28.040 --> 00:06:31.720 found off Facebook or wherever you found them. But any other advice for somebody 90 00:06:31.720 --> 00:06:36.279 that might be afraid that they're getting bamboozled by somebody, Well, even go 91 00:06:36.360 --> 00:06:45.399 down to like city Hall Building Services. Yeah, they keep tabs on contractors. 92 00:06:45.399 --> 00:06:49.600 They've had issues with, complaints filed against And you know one is it 93 00:06:49.680 --> 00:06:53.360 a license contractor it's one thing. If it's a small job, you know, 94 00:06:53.399 --> 00:06:58.160 the handrailing on your deck, you probably don't need a license contractor you're 95 00:06:58.160 --> 00:07:01.519 you know, Uncle Steve with his tool belt can probably take care of that. 96 00:07:01.720 --> 00:07:06.000 Yeah, but from major projects, you should have a license contractor doing 97 00:07:06.040 --> 00:07:13.079 that, they'll get the permits but I do know awesome stories where work was 98 00:07:13.480 --> 00:07:17.319 less than satisfactory and they filed complaints with the city and in one case, 99 00:07:17.360 --> 00:07:21.199 the city was extremely happy to see the complaint. Yeah, that was the 100 00:07:21.279 --> 00:07:26.199 final nail in that contractors. They had other complaints too, they'd had far 101 00:07:26.240 --> 00:07:28.879 too many. Okay, so that's good to know. So if you do 102 00:07:28.959 --> 00:07:32.199 have an issue, don't just let it slide. Make sure you also file 103 00:07:32.279 --> 00:07:35.720 that because you could be helping other people down the road, and that's a 104 00:07:35.720 --> 00:07:39.720 good thing, and that might also help you in the long run as well. 105 00:07:39.920 --> 00:07:42.600 Now, if somebody would like some help buying a home or selling home, 106 00:07:42.639 --> 00:07:44.959 that's your specialty, we should give them your info so they can reach 107 00:07:45.000 --> 00:07:47.600 out to you. Well, that would be fantastic. It's Brent Baker at 108 00:07:47.680 --> 00:07:53.759 Keller Williams Realty Client's First Group as my team. I can be reached at 109 00:07:53.800 --> 00:08:01.600 six zero five three one zero zero two ninety seven or Brent at kW dot 110 00:08:01.639 --> 00:08:07.360 com. Very nice. You can also find his website clients FirstGroup dot com. 111 00:08:07.360 --> 00:08:09.439 How much do you pay for your cell phone every month? If that's 112 00:08:09.480 --> 00:08:15.079 more than fifteen bucks, it's time for a mintervention. Mintmobile makes it affordable 113 00:08:15.120 --> 00:08:18.399 and easy to switch, get a new phone, or bring a current one. 114 00:08:18.519 --> 00:08:22.160 Whether you're a fan of iPhones or Samsung, they both work well with 115 00:08:22.240 --> 00:08:26.560 Mintmobile. At mintervention dot com, you can see the current special offers from 116 00:08:26.560 --> 00:08:31.480 Mintmobile, offering premium wireless for just fifteen dollars a month. That's far less 117 00:08:31.519 --> 00:08:35.679 than most people are paying just fifteen dollars a month. Learn more now at 118 00:08:35.759 --> 00:08:39.840 mintervention dot com. Time now for this day in Sue Fall's history, brought 119 00:08:39.879 --> 00:08:45.360 to you by the Sioux Falls Fund Page, West Sioux Studios and Sunny ninety 120 00:08:45.399 --> 00:08:48.600 three point three. It was on this day, August twenty first, two 121 00:08:48.639 --> 00:08:52.000 thousand and seven Sioux Falls get a new permanent sculpture Now. The Sioux Falls 122 00:08:52.039 --> 00:08:56.399 Sculpture Walk has brought many amazing pieces of artwork to Sioux Falls. Most of 123 00:08:56.440 --> 00:09:01.440 the sculptures live here temporarily, usually just for a year. Every year, 124 00:09:01.720 --> 00:09:05.080 a lucky few are purchased by local businesses or sometimes by the City of Sioux 125 00:09:05.120 --> 00:09:09.799 Falls and given a permanent home. One of our favorites from the two thousand 126 00:09:09.960 --> 00:09:13.639 six Sculpture Walk for which it stands, was given a permanent home in Falls 127 00:09:13.720 --> 00:09:18.919 Park on this day in two thousand and seven, this day in Sioux Falls 128 00:09:18.960 --> 00:09:22.240 History has been brought to you by the Sioux Falls Fund Page, West Sioux 129 00:09:22.240 --> 00:09:26.879 Studio and Sunny ninety three point three. Why did the Chicken cross the road 130 00:09:26.039 --> 00:09:30.559 to save money on insurance? At insurance chicken dot com? Do you have 131 00:09:30.679 --> 00:09:33.399 the best plan for you? Find out at insurance chicken dot com. Let's 132 00:09:33.440 --> 00:09:37.240 face it, we don't even want insurance. We need it, but you 133 00:09:37.320 --> 00:09:41.200 don't need to overpay. 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