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

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

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

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 shares some free and low-cost tips and tricks to save on energy costs. Find out how lighting a cigarette can show weak spots in your front door. Blog post - https://gallowaybuildingservice.com/radioshow/energytips/ Troy’s Number - 314-520-6655  Troy’s Email - ⁠troy@gallowaybuildingservice.com ⁠   Radio Show Archives - https://gallowaybuildingservice.com/resources/radio-show/     Website - ⁠⁠https://gallowaybuildingservice.com/   3:48 Sealing windows and weather stripping 6:00 Use smoke to show a weak spot or breeze 8:17 Spray foam 11:00 Door sweep or door snake 13:29 Hang a blanket 14:21 Tape 15:14 Bubble wrap 17:00 Curtains and blinds 20:00 Insulation 24:35 Packing peanuts 25:24 Insulate water heater and pipes 26:55 Water heater pipes and pool noodles 29:05 Programmable thermostat 31:10 Maintaining your HVAC system 32:51 Seal and insulate duct work  34:40 Energy-efficient lighting 39:12 Energy-efficient appliances 43:52 Close chimney 46:53 Insulate outlets and switches 49:51 Storm windows and doors 52:30 Caulk around openings 55:12 Close off unused rooms 56:59 Seal and insulate the garage 59:56 Use natural ventilation 101:26 Conduct a home energy audit

Watch the video version https://youtu.be/b1RLegSnqLw  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 discusses different indoor air pollution types. Find out how the types of cleaning products and paint you use could make you sick and what to do about it. 4:08 Indoor air pollution types and concerns 5:55 Sources of indoor air pollutants 9:09 Chemical pollutants and volatile organic compounds (VOC’s) 10:54 Cleaning products 12:20 Paints 13:40 Glues 16:11 Carbon monoxide 18:18 Formaldehyde 20:43 Asbestos 25:21 Radon 29:55 Biological pollutants 30:32 Viruses 31:44 Bacteria 33:13 Molds 40:10 Animal dander 40:36 Dust mites 42:58 Testing for indoor pollutants 45:00 Indoor air quality testing 46:18 Pictures of mold 47:00 Poor air ventilation 48:00 Check out our past episode with Travis Boyer, The Mold Man https://gallowaybuildingservice.com/radioshow/mold-with-travis-boyer/  51:10 Sunlight is a natural mold eliminator 53:10 Dehumidifier 53:28 Choose natural cleaning products 53:55 Quit smoking 55:00 Don’t burn your food

Watch the video version https://youtu.be/t6hqzI63Hss 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 discusses interior design with Jeanne Lashmett of JML Interior Design. Find out why your interior designer and contractor need to work together, especially if you want an accurate quote on the cost of your project. Find out more about Jeanne and interior design https://www.jmlinteriors.net/  jeanne@jmlinteriors.net 314-435-4233 11622 Page Service Drive, Suite 108, St. Louis, MO 63146 Troy’s Number - 314-520-6655  Troy’s Email - ⁠troy@gallowaybuildingservice.com⁠   Radio Show Archives - ⁠https://gallowaybuildingservice.com/resources/radio-show/⁠     Website - ⁠⁠⁠https://gallowaybuildingservice.com/ ⁠ 5:00 Are interior designers licensed? 7:50 What’s the difference between an interior designer and a decorator?  13:33 What do interior designers do? 14:49 10 common mistakes when hiring an interior designer 15:04 1) Not having a realistic budget or financing in place 18:34 2) Interviewing contractors for a remodel without having construction plans 25:47 3) Not reading the contract through 28:32 4) Choosing price over quality 31:55 5) Not following through with the designer’s advice OR too many cooks spoil the soup 38:14 6) Refusing to get a permit for the project 41:36 7) Making changes to the plan without first consulting with the designer 45:16 8) Unrealistic perception of time 48:23 9) Making purchases without consulting or informing your designer 49:40) 10) Micro-managing 52:12 Examples of Jeanne Lashmett’s past projects

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 about the pros and cons of different types of insulation. Find out which ones are the most affordable and which are the safest. Troy’s Number - 314-520-6655  Troy’s Email - ⁠troy@gallowaybuildingservice.com⁠   Radio Show Archives - ⁠https://gallowaybuildingservice.com/resources/radio-show/⁠     Website - ⁠⁠⁠https://gallowaybuildingservice.com/ ⁠   1:30 Check out the insulation episode we did back in 2020 https://gallowaybuildingservice.com/radioshow/insulation/  2:00 A quick pitch for the Construction Consumer Advocacy Group https://constructionconsumeradvocacyinstitute.com/  3:30 Foam board insulation 4:10 expanded polystyrene 6:10 What is R-value? 9:00 Toxic greenhouse gasses during production  10:00 Low fire resistance 11:40 Polyisocyanurate insulation 16:34 Polystyrene a.k.a. PS board 18:10 Polyurethane a.k.a. spray foam 24:34 Fiberglass insulation 28:05 Fiberglass insulation loses its R-value as it settles. Never walk on fiberglass insulation 33:30 Cellulose insulation  38:46 Recycled glass insulation  42:03 Mineral wool insulation a.k.a. rock wool 47:07 Health hazards 50:28 Vermiculate insulation 54:09 Denim insulation  59:01 Aerogel insulation 1:03:25 Sheep wool insulation 1:06:21 Mushroom insulation 1:09:57 Hemp insulation and lignan insulation 1:14:58 Chicken and turkey feather insulation 1:17:25 Chart of insulation R-values

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 about collecting unpaid bills with Matt and Nick from Burmester, Yarbrough, Reed & Associates. Find out how hiring someone else to collect on past-due bills can allow you to focus on your business and maybe even salvage the relationship with that client. Troy’s Number - 314-520-6655  Troy’s Email - ⁠troy@gallowaybuildingservice.com⁠   Radio Show Archives - https://gallowaybuildingservice.com/resources/radio-show/    Website - ⁠⁠https://gallowaybuildingservice.com/  2:55 Matthew and Nick of Burmester, Yarbrough, Reed & Associates https://byrallc.com/ 833-928-2654 5940 Missouri Highway 94 STE 101, Weldon Spring, Missouri 63304 6:30 Debt collection and the Fair Debt Collection Practices Act https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text  7:55 What happens if a bill collector is talking to someone with dementia? 11:33 Is there a minimum amount of money needed to collect on 15:11 Garnishing wages 15:58 It is easier to collect before things go to court 18:15 What kind of debts will a bill collector refuse to collect? 20:11 Are bill collectors busier when the economy is in bad shape? 22:06 What separates Burmester, Yarbrough, Reed & Associates from the other bill collectors? 23:00 It is important to maintain the working relationship between business and client and threats won’t help 26:40 Using a bill collector lets the business owner focus on their business 28:30 What happens when someone calls a bill collector for help? 31:32 Check out episode 15 with Matt Nagel about writing good contracts https://gallowaybuildingservice.com/radioshow/writing-good-contracts-with-attorney-matthew-nagel/  34:15 Recouping the most amount of money 35:24 Personal guarantee/guarantor 36:45 Storm chasers scam people after bad weather destroys homes 40:25 FOTI v. NCO FINANCIAL SYSTEMS, INC. was about whether debt collectors can leave a message 41:34 Comparing debt collecting to the medical field 44:35 Is bill collecting harder in more progressive West Coast states? 46:40 Wild stories about bill collecting 53:06 A promissory note is important when attempting to collect on a debt

WATCH THE VIDEO VERSION https://youtu.be/s6ZIgmGsFO8  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 about different alarms and detectors that can save your life in case of a fire, flood, or radon. Phone Number - 314-520-6655  Email - ⁠troy@gallowaybuildingservice.com⁠   Podcast -⁠ ⁠https://anchor.fm/galloway⁠⁠   Website - ⁠⁠https://constructionconsumeradvocacyinstitute.com/  0:40 The Construction Consumer Advocacy Institute is a new company that protects construction consumers. Check out the site at https://constructionconsumeradvocacyinstitute.com/  2:44 Get the 'Top 10 Questions to Ask Your Contractor' for free if you subscribe to the Construction Consumer Advocacy Institute's YouTube Channel and leave a comment. You can also get 10% off the book ‘Building With Confidence’, which is THE essential contractor hiring guide. 4:28 Fire alarms 5:11 Understanding the different types of fire and smoke alarms 5:46 Radioactive material in fire alarms 6:02 Ionization smoke alarm pros and cons 7:41 Look for these emblems on your smoke and fire alarms to know if you have them in the correct location in your home 8:20 Insects can create false alarms 10:24 Photoelectric alarms use light to detect fires 15:08 Cons of photoelectric alarms 17:54 Dual-purpose smoke and fire alarms 21:40 Create an evacuation plan and have a meetup place 22:15 Heat detector 23:48 Carbon monoxide detector 27:12 Where should carbon monoxide detectors be placed  31:22 Types of carbon monoxide detectors 34:20 Maintaining your carbon monoxide alarm 37:33 Water leak detector 48:00 Radon Check out our past radio show with Cherie Summa of St. Louis Radon 52:30 Microwaves used to be called radiation ovens 57:25 Types of radon systems 59:30 Types of radon alarms 1:02:24 Homes are becoming more airtight which is causing air quality issues

WATCH THE VIDEO VERSION https://youtu.be/XEjHunlhSOI In this episode of About the House with Troy Galloway, Troy gives out more stupid contractor awards. Take a look at some funny mistakes and a few that could have killed someone. Submit your questions at the Galloway Building Services Facebook page ⁠⁠⁠https://www.facebook.com/GallowayBuildingServices⁠ ⁠  ⁠    About the House is brought to you by ⁠⁠⁠http://gallowaybuildingservices.com/⁠ ⁠   Phone Number - 314-520-6655  Email - ⁠troy@gallowaybuildingservice.com⁠   Podcast - ⁠https://anchor.fm/galloway⁠  Website - ⁠https://gallowaybuildingservice.com/radioshow/stupidcontractor/⁠ 2:25 Rags 9:06 Doors 15:50 Plumbing 21:50 Electrical 30:13 Miscellaneous 42:23 Sending out some love

WATCH THE VIDEO VERSION https://youtu.be/E6CKByUS3Eo In this episode of About the House with Troy Galloway, Troy talks to Doug Walter from https://www.dougwalterarchitects.com/ about lighting. Find out how simply changing the types of bulbs you use could increase the resale value of your home. Submit your questions at the Galloway Building Services Facebook page ⁠⁠https://www.facebook.com/GallowayBuildingServices ⁠  ⁠    About the House is brought to you by ⁠⁠http://gallowaybuildingservices.com/ ⁠   Phone Number - 314-520-6655  Email - troy@gallowaybuildingservice.com   Podcast - https://anchor.fm/galloway  1:52 Most houses are poorly lit 4:27 Good lighting is needed most in the kitchen 4:58 3000° kelvin is a very pleasant temperature for light 5:59 The bulb aisle at Home Depot can be intimidating 6:52 LEDs really became commercially available around 2012  7:38 Parabolic analyzed reflector bulbs 8:00 Narrow Flood is one of Doug Walter’s favorite light bulbs 8:36 Watts vs lumen vs footcandles 10:35 Most lighting designers are guessing 15:23 Good lighting in the kitchen could save a finger 17:07 Foot candle app  19:20 Manipulating circadian rhythms 21:21 12% of Americans have severe vision loss. What happens to our eyes as we age? 24:00 What is the ideal light? 26:36 Real light meters vs light meter apps  34:45 Neighbors with the same model house wonder what they did wrong 40:54 Bad lighting on commercial properties has led to many lawsuits  41:49 Lighting is an art and a science,  46:22 Doug Walter has taught classes for the National Kitchen and Bath Association and shared his knowledge at many conferences 48:03 The 1st step to improving your lighting is to put a light meter app on your phone

In this 76th episode of About the House with Troy Galloway, Troy talks to Tiffany Dill & Gretchen Kingma of CustomJoySTL.com about making homes more accessible. Find out how they can customize a home for a paralyzed veteran without sacrificing beauty or property values. Submit your questions at the Galloway Building Services Facebook page ⁠https://www.facebook.com/GallowayBuildingServices  ⁠  About the House is brought to you by ⁠http://gallowaybuildingservices.com/  4:22 What is an occupational therapist?  6:30 When did Custom Joy become an official company? 7:54 Why were Tiffany and Gretchen cut out of the process multiple times by contractors? 10:02 What can a blind person do to improve their home? 12:00 What can be done to improve a mentally handicapped person’s home? 15:00 How can home modifications get funded through grants? 18:30 Universal designs will not decrease the property’s value 19:30 Tiffany and Gretchen can be contractors on the project 20:00 What modifications can be made in the commercial space? 22:30 Can a stretcher get around your building’s corners? 25:00 BecomingRentable.com highlights accessible short-term rentals. Of the 1.3 million listed, only .002% of short-term rentals are accessible 26:30 Over 26% of Americans have a disability but everyone will have one eventually 28:15 Tiffany’s friend with cancer couldn't get into her dream home and had to fundraise for a lift 30:45 Planning for progressive disorders with proactive designing 33:30 Veterans Affairs grants for home modifications 35:11 Most falls happen on the way to the bathroom at night  36:00 There are smart home devices that can help keep an eye on loved ones from afar 38:20 Paralyzed Veterans of America has grants for home modifications 39:00 https://customjoystl.com/, tiffany@customjoystl.com, hello@customjoy.com, https://empoweredhomes.com/, https://www.facebook.com/CustomJoySTL/, https://www.instagram.com/customjoystl/

Here is the YouTube link to see all the crazy deck pictures https://youtu.be/MSAKmCC0OlA In this 75th episode of About the House with Troy Galloway, Troy talks about deck and porch safety. Each May, the North American Deck and Railing Association (NADRA) raises awareness about the importance of checking your deck through a national deck safety campaign, which makes it a perfect time for Troy to share some of the crazy things he’s seen while inspecting decks and porches. Submit your questions at the Galloway Building Services Facebook page https://www.facebook.com/GallowayBuildingServices  About the House brought to you by http://gallowaybuildingservices.com/ 2:44 Deck VS porch | Don’t BBQ on your porch | Screened in porch | Deck disasters | Hot tub on deck 7:22 Piers 9:55 Support post | Keep wooden posts off the ground | Treated wood rots 15:29 Floor joist to band board | Rusting bolts | Rusting nails 25:13 Decking 33:19 Handrails | Handrails deteriorate the quickest  39:55 Stairs | Concrete landing

In this 74th episode of About the House with Troy Galloway, Troy talks to Robert Rizen from GC Industrial Services about the importance of keeping your commercial HVAC systems, silos, tanks, and commercial ovens clean. Find out why your work’s sprinkler system might have gross biofilms growing inside them. Contact Robert Rizen, the Vice President of http://gcindustrialservices.com/, by calling 314-680-8630 Submit your questions at the Galloway Building Services Facebook page https://www.facebook.com/GallowayBuildingServices About the House brought to you by http://gallowaybuildingservices.com/ 2:55 What is GC Industrial Specialty Cleaning and Restoration? 3:30 Cleaning silos, tanks, and commercial ovens 4:00 Cleaning confined spaces 7:25 Having enough air to breathe while in the confined space 8:28 What to look for with air quality, air handlers, duct work, and HVAC 9:42 Hospitals have tremendous heating bills and are never turned off 10:30 Legionnaires disease 11:15 Using a robot to clean ducts 11:42 Coil cleaning 16:57 Residential coils are hard to get to 18:29 Filters don't clean the air. The filter’s job is to protect your $10,000 furnace 19:40 Hotels and motels are chronic offenders of being low budget on maintenance and having poor quality filters 21:50 Improperly cleaned coils. Impacting dirt. Sodium hydroxide eats up metal and creates pits 24:50 Using a concentrated probiotic and a lower-pressure psi 26:48 Why do sprinkler systems and food processing plants have problems with biofilms? 28:31 Rob cut open a clean-looking hospital coil and it was green inside. 29:55 20 hours of rinsing at a university 33:30 It's rare to see maintenance records 34:47 What makes duct work and ceiling tiles black? What is the Coanda effect? 36:28 Carpet is a filter 38:14 Why do air duct cleaners have a bad reputation? 39:45 Mold growth

In this 73rd episode of About the House with Troy Galloway, Troy talks to Gary Croshaw and Robert Rizen about GC Inspection Botz. Find out why their robot is quicker and more reliable than outdated tethered robots currently being used to inspect commercial ducts. Contact Gary Croshaw, the President of http://gcindustrialservices.com/, by calling 314-680-8630 or visit the website at https://ductbotz.com/ Submit your questions at the Galloway Building Services Facebook page https://www.facebook.com/GallowayBuildingServices About the House brought to you by http://gallowaybuildingservices.com/ 1:19 Gary Croshaw is the president of GC Industrial Services 2:50 How big of ducts can the robot fit through? 4:00 Older robots are tethered and not in high enough definition 4:30 The robot transmits vital information back to the user 6:03 The robot can follow you as you walk next to it 8:25 Do hospitals need to get their ducts inspected regularly? 10:10 Legionnaires Disease 12:25 Fiberglass duct liners can fail and spread black particulate 16:00 A healthcare facility fired another robot company for low resolution videos 20:00 Filthy restaurant ducts 21:30 Asbestos (Link to past episode with Precision Analysis) 21:30 Robert Rizen, the vice president of GC Industrial Services, has been a duct cleaner for 30 years 23:00 Climbing vertical ducts and chimney inspections 25:00 Crawl space inspection 26:10 Electric shock hazards? 27:15 Troy found a mama racoon and her babies 28:20 Restaurants cook with powder and attract bugs 29:00 How much do the robots cost? 30:30 GC Industrial Services also does the cleaning 31:00 How many prototypes of the robot has there been so far? 32:14 https://www.meyermachine.com/ is the distributor 32:10 How does the robot save money? 37:30 Roofers use drones too 39:40 What technology will be added in the future?

In this 72nd episode of About the House with Troy Galloway, Troy talks to Blake House of Crawlspace Medic St. Louis about crawlspaces. Find out why homeowners choose crawlspaces over basements and find out some of the strangest things Blake has found in a crawlspace. Contact Blake by calling 314-750-5033 or visit his website at https://crawlspacemedic.com/locations/st-louis-mo/ Submit your questions at the Galloway Building Services Facebook page https://www.facebook.com/GallowayBuildingServices About the House brought to you by http://gallowaybuildingservices.com/ 2:47 Blake House is the market director for the St. Louis branch of Crawlspace Medic 4:33 There are a lot of crawl spaces in the midwest and even more in the south. Crawlspace Medic started in the Carolinas 5:16 Why do people build crawlspaces? 7:17 What are the most commons mistakes Blake sees with crawlspaces? 9:35 What are some of the crawlspace building codes? 9:55 How much does crawlspace encapsulation cost? 10:25 What is poly vapor and how thick should it be in a crawlspace? 12:15 Can poly vapor adhere to concrete in a crawlspace? 13:12 How hard is it to service a furnace in a crawlspace? 13:30 Scary ways to support your home in a crawlspace 15:09 Home inspectors will not enter a crawlspace if it looks unsafe 16:45 Digging a trench because there is not enough clearance 17:25 A remote control car probably won’t work in a crawlspace 18:25 Plastic shims should not exist 19:20 Can a home be supported by just wood or metal in a crawlspace? 23:15 Can a dehumidifier be put in a crawlspace? 24:23 What to do with old wires hanging in a crawlspace 24:50 Perimeter concrete walls in crawlspaces are porous and should also be covered in polyvinyl 26:38 Can a sump pit be added to a crawlspace? 27:50 Ban boards and plate moisture 28:50 Brand new homes can also have the elevation too high 30:20 Take care of your crawlspace now or you will lose money later when you sell your home 30:55 Is it hard to get an electrician in a crawlspace? 31:20 Pests will eat wires. Pests will eat everything. ( Link to past pest episode with Noel Buckingham https://gallowaybuildingservice.com/radioshow/pest-control-with-noel-buckingham-of-buckinghampestcontrol-com/ ) 36:22 Mudslides in crawlspaces 37:33 A dead man anchor keeps a home from sliding down a hill 39:45 Plastic soil 40:00 The piers were not deep enough to keep the home from sliding down the hill 41:50 What weird things can be found in a crawlspace? 43:05 Reinsulating the floor of a crawlspace 46:40 Does crawlspace repair come with a warranty? 47:30 Offering video proof of work done in a crawlspace 49:33 Is there a bear sleeping in my crawl space? ( https://www.nbcnews.com/news/animal-news/5-hibernating-bears-source-california-crawl-space-snores-rcna25879 )

WATCH THE VIDEO AT https://bit.ly/gallowaycrazy2 In this video, Troy Galloway shows off some MORE of the craziest pictures he has taken during construction inspections and explains just how badly the contractors and owners messed up. 314-520-6655 http://gallowaybuildingservices.com/ 2:22 - gutters 5:02 - exteriors 14:02 – plumbing, solder 18:27 – basements 20:54 – electrical 28:48 – interiors 42:15 – silly stuff

WATCH THE VIDEO AT https://bit.ly/gallowaycrazy In this video, Troy Galloway takes a look a bunch of the craziest pictures he has taken during his construction inspections and explains how badly they messed up. 314-520-6655 http://gallowaybuildingservices.com/ 1:17 CRAZY PLUMBING 1:30 fixed a radiator leak by tying a rag around it 2:12 fix washing machine leak with a rag 2:40 crawl space drains onto dirt floor 3:35 concrete block holding up the basement 4:02 tailpipe extension made of corrugated pipe 5:00 pee right into the tub 5:35 Lead shield clogging the vent 7:22 Pepsi can be used as a brace 8:02 poor solder job 8:43 plumbing tied together with bailing wire will rust 9:50 electrical wire securing the plumbing 10:48 CRAZY DECKS, PATIOS, AND PORCHES 11:00 concrete pier sitting on the ground and it’s not 3 feet deep 13:35 deck post on curb 14:00 air supports 14:35 6x6 post without anything securing it and it’s not plum 15:43 cinder block stack 16:40 birds are making nests and the support beam is strapped to porch beam 17:55 concrete patio poured right on the ground 19:56 patio is slipping away from the house thanks to a downspout not going into the underground drain 22:56 ROOF CRAZIES 23:20 clogged chimneys will cause carbon monoxide poisoning  24:35 shopping center had goose eggs and a garden growing on the roof 26:05 how many shingles does it take to cap a roof? 26:55 wind and water blowing up under the roof 28:10 water in the attic 29:48 invisible duct work from chimney pipe leaking carbon monoxide in attic 31:10 ceiling attic fan supported by the wire 32:14 sagging roof supported by boards 35:26 ELECTRIC CRAZIES 36:00 bare wire in a tight spot 36:52 electric furnace cover plate 38:55 gfci hanging above bathroom sink 40:57 securing electrical boxes 41:36 red fireproof caulking used to glue connections 43:00 black electrical tape 44:30 attic junction box and mouse poison 45:48 no wire nuts 47:30 loose drywall 48:57 didn't need the light so they replaced it with an extension chord 50:18 a chord not made for the outdoors is running out to the shed 52:32 a resort had underground power connected to the rooms with unsecured conduit on the ground 54:21 outdoor outlet has no gfci or cover plate 55:48 screw missing from box 56:40 extension chord with no wire tape or nuts 57:00 one too many hot wires laying on the ground 58:09 power line coming down into the house 59:18 the motion-light wire is taped up 59:58 siding contractors are scared of wiring 1:01:15 deck missing power box 1:02:23 ran out of cover plates 1:03:33 AIR SUPPORT CRAZIES 1:03:50 deck without nails 1:04:30 cutting out floor joists and leaving only ⅛ of an inch 1:05:24 floor joist dangling 1:05:45 new construction with bad foundation had to add jack studs 1:06:35 foundation issues  1:08:35 not enough nails used on gutters 1:09:09 gutter used to hold tree branches 1:09:40 restaurant doesn't have enough gutters 1:10:35 WINDOW CRAZIES 1:11:00 expanding foam used on outside window 1:11:50 finger pushing through rotting wood 1:13:18 CRAZY WEATHERPROOFING 1:13:20 rags and underwear in the basement 1:14:23 aluminum foil 1:15:49 washcloth 1:16:19 rag

In this 71st episode of About the House with Troy Galloway, Troy talks to Jason Halteman of PNC Bank about commercial banking. Find out what business owners need to do first to ensure they get approved for a loan.  Contact Jason by calling 314-412-9000 or by email at jason.halteman@pnc.com Submit your questions at the Galloway Building Services Facebook page https://www.facebook.com/GallowayBuildingServices About the House brought to you by http://gallowaybuildingservices.com/ 1:32  Jason was in the Army National Guard for 6 years and is now married with 3 kids 2:37 Jason has over 21 years as a business banker 2:58 What will interest rates do? 3:26 Rates dropped in 2008 and have been increasing since then 4:12 Fixed rates for up to 25 years 4:58 Buying a strip mall how and what is an owner-occupied real estate loan 6:22 Troy has been working with Californians because they get more for their dollar in the Midwest 6:58 Investment property 7:30 Troy’s been working with Somalian hotel buyers 8:27 Apartment buildings are commercial once there are 4 or more units 9:30 SBA loans and conventional loans 11:30 Reducing tax burdens 12:25 What to do when getting ready to borrow money 16:55 Construction loan for an apartment building 17:35 How do you know I'm using the loan for the right things. 18:30 Looking at the past 3 years of taxes to see past inventory 19:05 Bad loans affects everyone. Just look at what happened in 2008 19:15 Down payments 20:36 Leveraging your building 21:30 How to get a better opportunity at your bank 24:45 How banks can help with collecting receivables quicker 26:51 Stolen check and post office delays 29:40 Paying with credit cards 31:30 Lender, accountant, and CPA all need to be on the same page 33:27 Will there be another recession? 35:30 Chinese are buying solid assets in America. 37:37 There is a huge lack of inventory but plenty of buyers 38:18 Millionaires were made during The Great Depression 39:03 Buying a business to conserve wealth 39:40 Financing to buy into a new medical practice 40:20 Troy put a little joke in one of his reports at a medial office 42:58 Equipment line of credit to buy new equipment each year 45:48 Friend of the show Jeff Solomon referred Jason Halteman to Troy 46:17 Jason shares a horror story about a buyer signing an impossible contract 48:49 Troy knows a restaurateur whose rehab cost so much that he can't pay the loan now 50:44 Hazardous waste 51:06 contact Jason at jason.halteman@pnc.com 51:47 Find out more about PNC Bank’s services at https://www.pnc.com/

WATCH THE VIDEO AT https://bit.ly/gallowaydecks In this video, Troy Galloway takes a look at a bunch of deck-related items that gave him cause for concern during his building inspections, including support posts, support beams, decking, handrails, and stairs. 314-520-6655 http://gallowaybuildingservices.com/ 3:35 support posts  17:44 support beams  23:00 floor joists 39:48 decking 51:03 handrails 1:03:11 stairs