About the House with Troy Galloway Troy Galloway
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- Leisure
Do you ever wish you could spend an hour with a general contractor or building inspector? About the House with Troy Galloway is exactly that!
Galloway Building Services is a stable, consistent, and reliable St. Louis inspection service provider with more than 40 years experience. Troy Galloway is an engineer and complete construction expert. This knowledge and skill make him and Galloway Building Services more than just another inspection company. Your home inspection should be educational not merely a list.
RSS FEED URL https://anchor.fm/s/35ccf558/podcast/rss
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How Insurance Protects Your Home with Michael Caples - 06.14.2024
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
In this episode of About the House with Troy Galloway, Troy talks to Michael Caples about the different ways insurance protects your home including when you hire a general contractor to renovate your home.
Find out more about Mike Caples at https://agents.farmers.com/mo/arnold/michael-caples/home-insurance/
https://www.facebook.com/michael.caples.insurance/
2:15 A portion of the proceeds from Troy’s book will go to the Shriners.
3:29 Mike Caples has been in insurance for over 25 years
5:00 Most home insurance claims in the Midwest involve the roof
13:20 How do you assess if a roof was installed correctly?
14:25 Avoiding “storm chasers” who prey on homeowners after a bad storm
16:00 Ask to see a contractor’s proof of insurance
18:30 Workman's comp
21:18 Contractor licensing
26:10 Subcontractor contracts
28:20 Undocumented laborers will not have a tax ID
30:00 Will insurance deny a claim if renovations were done without permits?
31:00 Story about bad wiring injuring a cable guy
34:00 Terrorism coverage
36:00 Don't rely on FEMA to take care of you
38:00 Flood insurance
40:40 Sewer and sump pump endorsement
42:40 Rebuilding from the ground up
43:40 Call the insurance company when you get your declaration page
47:05 A lot of policies don't cover mold
48:30 What if a contractor cracks my driveway?
50:20 Removing snow -
Commercial and Residential Floor Coverings - 05.07.2024
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
In this episode of About the House with Troy Galloway, Troy talks to Rebecca Ulsas of Champion Floor Company about some of the different ways to make your floors more appealing. Find out how Champion can help even if your wood floors are stained from animal urine or suffering from termite damage.
Find out more about Champion Floor Company at https://championfloor.com/
3:18 Fixing damage from pet urine and termites
4:30 Sand and finish vs prefab floors
6:01 Pull up your register vent to see if you have wood floor
7:30 Hollywood stairs
9:20 Rugs
12:10 Luxury vinyl
15:00 Lead Safety for Renovation, Repair, and Painting
19:10 Padding
19:45 What makes carpet good quality
21:00 Nylon and SmartStrand carpet
22:30 Fleck carpet
22:50 Come visit Champion’s showroom
23:26 Rug artist at the Champion showroom events
24:05 Linoleum
24:16 Floor samples
26:00 Wood patching
27:05 Kilz used for the pet smells
31:33 A horror story about a lady with 10 cats -
Home Repair Services with Mister Fix-It STL - 05.01.2024
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks to Kevin Pannebecker about home repair services and his company Mister Fix-It STL. Find out why you may not want to work with a fly-by-night handyman who won’t accept credit cards.
https://misterfixitstl.com/
info@mrfixitstl.com
636-486-1011
Check out Kevin’s first visit appearance on About the House back in September of 2019
1:22 Pick up Troy’s book, Building With Confidence: The ESSENTIAL Contractor Hiring Guide
1:55 Mister Fix-It is a handyman service on steroids
8:10 Carpentry projects
9:36 Deck repair and rotted wood replacement
10:55 Window repair and replacement
15:26 Electrical technicians
16:08 GFCI
21:14 Non-tip oven
21:52 Smart thermostat
22:43 Plumbing contractors
22:53 Bathroom Remodeling
24:31 Drywall and painting
29:18 Replacing light fixtures, screens, faucets, baseboards
33:12 Hanging pictures
37:07 Accepting credit cards -
How to Be Your Own/Hire a General Contractor: LIVE PRESENTATION - 04.16.2024
Watch the full presentation at https://youtu.be/Fmpw9lk5Pk0?si=nM4nGDQcXNsI1SEW
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy gives a live presentation to members of the St. Louis Real Estate Investors Association on how to be your own general contractor, how to hire a contractor, and his book ‘Building with Confidence’.
To find out more about the St. Louis Real Estate Investors Association, check them out at https://www.stlreia.com/
10:33 How are we going to pay for the project
11:56 Know what your project will look like
14:04 Types of building contractors
20:00 Where to find contractors
25:26 Contracts
38:10 Insurance requirements
44:41 Equipment, materials, and storage
48:52 Access to other areas of the home
51:16 Designated smoking area
55:57 Communication
59:55 Pets
1:03:49 Lien waivers
1:10:41 Penalties
1:12:40 Change orders
1:15:17 Permits
1:23:00 Bidding requirements
1:24:29 Conditions of the contract
1:25:00 Drawings and blueprints
1:26:28 The Golden Rule -
Reverse Mortgages with Richard Brown - VIDEO - 04.01.2024
WATCH ON YOUTUBE https://youtu.be/IKgHO21RcAQ
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks to Richard Brown about Reverse Mortgages a.k.a. HECMs. Find out how you can use your home’s value to pay for medical expenses and in-home healthcare.
Contact Rick Brown, Reverse Mortgage Loan Officer NMLS #247348
C : (314) 249-3418
F : (314) 334-2919
rbrown@university-bank.com
https://www.university-bank.com/reverse/about-reverse/rick-brown/
DISCLOSURE: University Bank – Reverse Mortgage Division, Equal Housing Opportunity - NMLS 715685, 2015 Washtenaw Ave, Ann Arbor, MI 48104 – (www.nmlsconsumeraccess.org), Member FDIC that operates in various states. For a complete list of the states University Bank can operate in please visit https://www.university-bank.com/licensing. This is not a commitment to lend or an offer for a rate lock agreement. All Mortgage transactions are subject to verification of application information, satisfying all underwriting conditions and requirements. Restrictions apply.
3:00 How long has Rick been doing Reverse Mortgages A.K.A. HECMs?
4:47 How does Rick explain Reverse Mortgages to new clients?
6:35 Rick has to read a disclosure. The numbers presented today are examples and do not reflect what your numbers will be.
34:26 Rick begins his slideshow presentation
34:30 Introduction to Reverse Mortgages A.K.A. Home Equity Conversion Mortgage (H.E.C.M.)
34:39 What is the definition of a Reverse Mortgage or H.E.C.M.?
36:20 What are some issues to think about when considering a Reverse Mortgage?
39:30 Adjustable and fixed-rate Reverse Mortgages
39:43 A brief overview of Reverse Mortgages
42:23 The mechanics of a Reverse Mortgage
45:13 An example of a HECM with a $300,000 home
50:05 What happens if the home value does not appreciate after a Reverse Mortgage is put in place?
50:59 A chart showing the home appreciation rate being less than expected
53:03 What if there is an average 3% increase in interest rate?
55:03 How/why might a senior borrower use line of credit funds in the future
55:18 Potential future uses of growing line of credit
58:15 Delaying commencement of social security
58:56 One spouse dies
1:00:14 Directing all proceeds to a guaranteed monthly payment
1:03:57 What are ill-suited quarters?
1:05:51 HECM for purchase
1:06:43 Rightsizing to a new home
1:07:14 Impact on retirement success likelihood
1:08:55 Sampling of potential HECM users
1:09:23 Why not wait to get a HECM until I know I need it
1:10:36 Reasons to get a Reverse Mortgage today rather than later
1:11:58 Reverse Mortage VS a home equity line of credit
1:12:30 FHA HECM guarantees
1:13:00 How does the FHA prevent insolvency?
1:13:43 Qualifying requirements for a HECM
1:14:19 What seniors are good candidates for a Reverse Mortgage?
1:14:45 What do financial planning gurus think of HECMs?
1:15:00 HECMs and the financial planning profession
1:16:03 What is the FHA’s 60% year 1 proceeds limitation rule?
1:17:26 How do adjustable rate mortgages work?
1:18:12 What is the story with non-borrowing spouses?
1:19:26 How do Reverse Mortgages work in a Grey Divorce Settlement?
1:19:41 Adjustable and fixed-rate HECMs
1:20:20 Expanded HECM overview
1:20:26 More questions? Contact Rick at rbrown@university-bank.com -
How to Get the Best Water for Your Home or Business With Jeanne Carton - 02.29.2024
This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
In this episode of About the House with Troy Galloway, Troy talks to water specialist and chemist Jeanne Carton about getting the best water for your home or business.
Find out more about what Jeanne at https://www.h2onlywater.com/ or 3328 N Lindbergh Blvd, Northwest Plaza, MO 63074
3:00 Jeanne “The Water Genie” Carton is originally from Belgium
5:33 Why do we need a water softener?
7:20 How can water from the same river taste so different in another city?
8:30 Why is there lime in the water?
9:20 What is chloramine?
10:15 Kineteco Water Softeners
12:14 What is the National Sanitation Foundation
13:29 Mike Holmes is a spokesman for the Kinetico products
14:00 Well water
18:00 Lime buildup in pipe
20:00 It costs more money in electricity to heat hard water
20:45 Jeanne will not sell a water softener to someone with galvanized pipe
31:25 Spindown filter
34:16 Reverse osmosis drinking water
48:39 Bottled water chemicals
51:30 Tap water vs bottled water