Ep. 32 – Today is a Great Day For Accident Insurance: Talking Insurance With Cara Dee

Matthew Maschler:
Welcome to the Real Estate Finder Podcast. I’m Matthew Maschler, real estate broker with Signature Real Estate Finder. And with me as always, is
Staci Garcia:
Stacy Garcia, also a real estate finder. Hi,
Matthew Maschler:
Stacy. How’s your weekend?
Staci Garcia:
Um, it was good. I did not work. You didn’t work? No, not because I didn’t want to. Well, also because I didn’t want to <laugh> <laugh>, but, um, I just did nothing uhhuh. Well, just, I watched Liz’s, um, uh, here come the big girls or whatever it was Nice, nice. Because what Wendy said, watch it. So I watched it. It
Matthew Maschler:
Was great. Yeah. And, uh, and shout out to Lizzo Liz’s criminal concert in the, in the fall,
Staci Garcia:
September 23rd.
Matthew Maschler:
So get your tickets at Ticketmaster. I, uh, I don’t know if I’m going, but I know a lot of people who are very excited about that. And then also, I know we mentioned it last week, but congratulations on that, getting that offer accepted. Thank you. With your, uh, buyer pays, uh, title, how, how, how’s that deal going?
Staci Garcia:
Good. We’re going there tomorrow to measure and order windows. You know, everything is on back order so
Matthew Maschler:
The price of windows are up. Yeah. Someone called me the other day about Windows and said, you know, if I pay $50,000 for Windows, will it increase my, the home, my home value? $50,000.
Staci Garcia:
Did you tell to listen to last week’s podcast?
Matthew Maschler:
Exactly. <laugh> it a home value. But, and then I, um, but he said that, you know, when he got the quote three years ago, it was $25,000. So I said to him, I said to him, I said, well, if you done the windows three years ago, it would’ve cost you $25,000. If you do it today, it costs you $50,000. Either way, your house is worth the same when it’s over. That’s right. So the most it could possibly be, right, you could have added was 25,000. Right. That second, 25,000 that’s already priced in. Right. You would’ve, maybe you would’ve made 25,000 if you, uh, if you’d done it a few years ago. So it’s a, it’s very interesting how you look at, at home repairs. But the people that did listen to, uh, last week’s episode when we talked about the, uh, the value of homes and, and why I think the, the prices are, are, are, are, I don’t know, I’ll say justified, but I try to explain why, uh, prices are, are up.
I had a lot of interesting feedback, um, in, in the last few days. And, uh, you know, um, obviously the pushback to that is well, with, uh, mortgage rates going up a little bit, some people are priced out, uh, because the prices of, uh, homes are up. There’s some first time home buyers out of the market. So if that demand leaves the market, where does that, where does that leave us? Um, but I, I had an interesting thought. If mortgage prices are, mortgage rates are up, there are a lot of people who are locked into long-term, 30 year loans at lower interest rates. So if you’re locked in for 30 years at, let’s say three and a quarter, maybe you would’ve been a seller and bought something else. But that replacement residence, the percentages, you know, you’re not gonna replace that loan at, at a five or 6% interest rate, and maybe you’re not gonna want to.
So that might have a negative effect on supply. So, uh, supply might go down and, uh, you know, so, you know, price might, price might actually go up, right. Based on that. Right. So, you know, the interest rates going up, not only will take some buyers out, it’ll take some sellers out, and it it may have a neutral effect on the market. And then I was also reading, uh, something from N A R, national Association of Realtors that, uh, where they expected, um, you know, a slowdown, a little bit of a slowdown mm-hmm. <affirmative> in, in, in, in, in the, in the housing market, they still expected price appreciation, right. Of maybe three to 6% a year. So, you know, houses will still continue to go up based on all the, all the reasons that we spoke about. So even if things slow down, even if there’s a correction, maybe the correction ends like the rampant runup bidding wars, hyper, hyper price increases, uh, but that will be replaced with slight price increases, module, slight price increases, and not with a, a ooh, crash or, or, or a huge correction. The correction to this market isn’t prices going down. The correction to this market is prices slowing down, but continuing to go up. So for a lot of people who are, are sitting this market out, you really, really gotta be careful with, with those decisions. And speaking about making careful decisions, we have a guest today in the show. Yes.
Cara Dee:
Brilliant.
Matthew Maschler:
Um, so I’d like to introduce my good friend Kara d uh, you may know Kara d from, uh, from all the Facebook groups. If you follow me on Facebook, we, uh, we, we, we basically met on Facebook and, and hadn’t met in person. We, we’ve met in person, person since. But, um, but for several years, uh, mostly on Facebook, uh, discussing, um, uh, restaurants in, in Boca and Palm Beach County, uh, restaurants that don’t suck. Um, I, I think that was one of the Facebook groups. I don’t know if that one’s still around. And, um, and as we got to know each other, um, I, I, I learned about Kara’s Kara’s job, and Kara is an expert on health insurance. Something that I seemed to have a mental block to. I, I try to leave those decisions to, uh, to my employer and to, and personally, to my, to my wife, to let her make medical decisions. I always, I’ll pick restaurants, but I’ll let her, uh, make medical decisions for the family. And, uh, Karen, do you wanna, do you wanna introduce yourself?
Cara Dee:
Thank you so much, Matt and Stacy. Um, I’ve never done a podcast before, so I’m going to, uh, do the best I can.
Matthew Maschler:
Well, we’re just having a conversation. Yeah.
Cara Dee:
<laugh>
Matthew Maschler:
For the tens of listeners out there.
Cara Dee:
So, yes. So Matt, I am a, um, a health insurance agent. I’m based in Delray Beach. However, I do provide coverage to the entire state of Florida. So Facebook for me, has been a great asset. Uh, we’re not here to talk about Facebook marketing, obviously, but it has allowed me to meet other professionals in other fields that I never would’ve met, um, unless we ended up on the line at one of these restaurants and just started shooting the breeze and talking about health insurance, because that happens so often. Mm-hmm. <affirmative>,
Matthew Maschler:
<laugh>,
Cara Dee:
<laugh>. But, um, but I, um, Matt was particularly interested in a particular product that I do have health insurance. Uh, you know, like you said, it’s more mystifying to you. It,
Matthew Maschler:
It, it gets, you know, it gets complicated. Then a couple years ago, just like the housing market had had run up and there was huge price increases a couple years ago, health insurance prices kept running up and running up and, and, uh, you know, the government tried to solve that. But obviously, um, you know, I don’t care what side of the political aisle you’re on, we could all agree that government doesn’t always solve our problems.
Cara Dee:
Well, and what you just said is already more than I know about real estate uhhuh. So literally, so we
Matthew Maschler:
Have to live somewhere.
Cara Dee:
I do <laugh>, I do. But you don’t wanna know my thoughts on that. No. Um, but especially for realtors, I feel, first of all, let me say, and anyone who knows me knows I am not a sugar coder. Mm-hmm. <affirmative>, I have the utmost respect for what realtors do, what people involved appointment setters. I cannot imagine. Um, first of all, I don’t love to drive Uhhuh a lot, especially down here. Um, I have fair skin. I can’t be in the sun all day long. So most of my, uh, work is on the telephone. So I just wanted to say, honestly, that I have great admiration for people in the real estate industry. That being said, though, there are certain things that need to be protected above and beyond having health insurance, because health insurance pays our medical bills. So depending on the plan that you have, if you have an injury or you have a surgery, or you have a hospitalization, health insurance will pay your medical bills.
Of course, you’re gonna have some copays and some deductibles. But 99% of plants have a maximum out of pocket. You know, so you can only have to be responsible for so much money in a calendar year, you know, if you’re hospitalized. Right? So, but when you are someone in a profession where you have to drive clients around all day, where you’re constantly showing homes where you are, um, constantly running around locally, you have to understand that not only do we drive in a place where, you know, it is complete mayhem and chaos, and also outside the car <laugh>, but, um, you know, I speak to people all day that are moving down here for the, and the, for the first time. And the first thing I say to them to get a conversation going is, can you believe these drivers? And everybody is shocked at what goes on, on the road. So, you know, but we don’t realize that we can get hurt anyway. So what I do provide, especially with realtors in mind, is a plan that Matt fell in love with. Uh, that is simply an, it’s called an accident plan. And we’re not saying car accident only. Um, in the last year, I’ve had clients whose names I’m not going to mention, you know, this one fell off her horse, and this one cut her finger because she’s a hairdresser, and this one fell down his steps and, and this one, uh, so
Matthew Maschler:
Let’s walk through it. You fall down your steps, you break your leg, right? You go to the hospital, health insurance pays for the ambulance, health insurance, right? You have copays, whatever, health insurance. Now you leave the hospital, right? Um, and you’re in, you’re, you have a cast and you have crutches,
Cara Dee:
Right? And realtors who have a broken ankle can’t
Matthew Maschler:
Drive. How am I gonna show a house tomorrow?
Cara Dee:
Right? So,
Matthew Maschler:
And really, you know, anyone who’s not salary, or even if you are salary, right? And you have to take, you know, you have to take a, uh, you, you don’t, you don’t, you have to a vacation day. What if you’re out of vacation days if,
Cara Dee:
Well, not to mention six weeks of recovery time,
Matthew Maschler:
Right? So for, so if you can’t work for six weeks, if you’re a tennis pro, a housekeeper, uh, a, a realtor, a server, a bartender, right? If you can’t work for six weeks, right? What are you gonna do? Right? Your health insurance isn’t gonna pay you rent, your health insurance isn’t gonna buy you food, right? Your health insurance isn’t gonna pay for, right. Even for, you know, um, some of the, some of, well, maybe some of the crutches, but some of the things that you need, if you need to go to the, if you need to go to, you know, just to the store to buy some, you know, some pillows to prop your leg up, so, right. You know, you, you don’t have income. You lose your income for six weeks, and you could have the best health insurance in the world, correct. From, from a great employer. But if you don’t have income for a day or a week or a month, what do you do? You’re stuck. And Cara has a solution.
Cara Dee:
Well, the big secret it seems that people don’t realize in my industry is that there are indemnity plans, meaning plans that pay you, they pay you tax free income. And I got on a tear providing these plans when, um, an old boss of mine, uh, walked into the office one day and said, oh, I just got a check for $800 from my accident plan. And I said, what’s an accident plan? And why did you get a check? So this big strapping guy had a hairline fracture in his finger that was, he went to the walk-in clinic, and it was so minor, they didn’t even tape it. They just said, you know, go home finger. And he got a check for $800. Yeah, Stacy, let’s keep this G-rated place <laugh>. There’s always that one, you know me. Um, but, um, they said, um, you know, they, he got a check for $800. So I said, what, you know, so I started educating myself and providing these plans,
Matthew Maschler:
And okay, maybe he got to go to work, but if he was a bartender, or for whatever reason, he couldn’t work that. Right. You know, and maybe that’s, maybe that was a weak salary. So that $800 replaced the weak salary that he couldn’t, uh, work and he couldn’t earn that income, right? So I think it’s, it’s, you know, you know, no matter how young and healthy you are, you play some pickleball. You, uh, sprained ankle does it pain on a sprained ankle.
Cara Dee:
It, um, what it primarily does is it pays for, it pays you, um, based on the injury mm-hmm. <affirmative>. So it doesn’t matter what your copays are, it doesn’t matter what your maximum matter of pocket is. So, uh, if you are, if you go to the emergency room or the urgent care, you get $200. If you have a CAT scan or an M r I, you get $200. If you’re admitted to the hospital, you get $1,500 and $340 per day for up to 365 days, which is why I bought it. Mm-hmm. <affirmative>. So I have a client in Miami Shores who had a car accident, and he had his arm crushed, and he was in the hospital in Miami for five weeks, and he got a tax free check for $30,000. So, you know, unfortunately, we’re going to get hurt. It’s random as to who is going to get hurt.
Broken bones. You had asked about pay mm-hmm. <affirmative> up to 5,000 per bone. You had asked me for a specific, I can’t do that, right? ’cause, but, um, so what these plans do, there’s a hospital indemnity plan available, critical illness slash cancer. We all know someone, unfortunately, who has cancer or has beat cancer. So if you have cancer in your family and your blood, um, it is highly advised because, you know, we’re just talking about the accident plan. If somebody has a broken leg, they’re gonna heal and they’re gonna be fine. If you notice on Facebook, when somebody says they just got diagnosed with cancer, everybody starts telling them to go to Moffitt or to go to Sloan Kettering or to go to MD Anderson in Houston. Well, if you have to go for treatment to a cancer center outta Florida, because that’s what your specific situation requires, that you have to pay for a hotel room, you have to pay for food, you’re gonna have two months or a month off from work. Some people go to Moffitt every month for treatment. So these indemnity plans, the critical illness cancer plans, the hospital indemnity plans, and the accident plans cover you and they pay you in situation where you have any of these things come up. Matt, would you do me a favor and ask me how much the accident plan is? I mean,
Matthew Maschler:
It sounds per month, it sounds insanely expensive.
Cara Dee:
It’s
Matthew Maschler:
How, how, how much does something like this cost?
Cara Dee:
Well, $18 and 4 cents a month for an individual,
Matthew Maschler:
I thought you were gonna say a day.
Cara Dee:
Me too. $18 and 4 cents a month for an individual. So if you’re spending more than that at Starbucks, and you don’t have yourself protected, right. Where if you can’t work or drive because you get hurt
Matthew Maschler:
And you said $18 for an individual,
Cara Dee:
1804 for an individual, a couple $23 and 72 cents a month for a couple living together, um, married or not.
Matthew Maschler:
So for 23, so I I
Cara Dee:
2372 a month for two
Matthew Maschler:
People. So, so the first, the first person that you and I worked with, that, that, I’ll say, we sold this to you, sold this to a couple, uh, it was a, is a, you know, the person worked as a, uh, one, one worked, one person, a couple worked at Publix, and one person worked as a, as a, you know, as a cleaning person. And, um, so they’re both on their feet all day, and if they don’t work, they don’t eat, they can’t pay their rent. And so for $23 a month, right, if one of them gets hurt, falls down on the job, falls down in the Spartan race, falls down, playing pickleball, uh, at an amusement park where wherever they’re gonna get a check for, um, for a few hundred dollars or, or even a few thousand, a few thousand.
Cara Dee:
Excuse me. What is a Spartan race?
Matthew Maschler:
It’s like one of those five Ks, but with obstacles and
Cara Dee:
Maria mud. I’ve, I’ve been training for a triathlon. Triathlon. No, I haven’t. Yeah, <laugh>, I figured I would throw that in <laugh>.
Matthew Maschler:
So, um,
Cara Dee:
Yeah, I went to, uh, if you
Matthew Maschler:
Do one, I’ll do one.
Cara Dee:
Yeah. I went to Mia Kitchen. Uhhuh <affirmative>, right. And I went for dessert at ihop,
Matthew Maschler:
Try another one.
Cara Dee:
And then I had Espresso Elizabeth try another. It
Matthew Maschler:
Was tri, it was a triathlon, it was a try. Another one. <laugh>. But, and then, um, and then this is, it’s not a funny story, but it’s, uh, the second time, the second person we, that I sent to you, that we, that, that bought one of these policies, um, I don’t know if it was done on purpose or not, but within days, he quote unquote hurt himself and he went to the emergency room, and I, I asked him how much he got from the policy, and you know what he said? Mm. I think it had to be in place for like a 15 days, first or 30 days. First, it hadn’t cured. So he, I don’t think he did it on purpose, but can you imagine he goes out and hammers his toe and goes to the hospital?
Cara Dee:
Well, we don’t cover hammer toes. Well, whatever.
Matthew Maschler:
Is that what you said? No, hammer toe. Oh, okay. And broke his toe. So he wasn’t covered. He wasn’t covered. ’cause the, the policy hadn’t seasoned, had to wait another week to fall.
Cara Dee:
Yeah, yeah. Yeah. It hasn’t seasoned. Everything comes down to a stake to you.
Matthew Maschler:
There you go. It
Cara Dee:
Has, it has to sizzle. And if you have your family, so 1804 for an individual, 2372 for a, uh, couple same sex, married, not married, and the whole, um, Mishka, the whole family is $33 and 56 cents a month. Even if you have as many children as the Von Trapp family, Uhhuh, <affirmative>, you’re still covered. Um, so there’s also a lot of other benefits, but it’s just very important to, you know, these days in our culture, it’s a dangerous world, <laugh>. And we have to protect ourselves. You know, going to Walmart these days can, can be a, a fiasco. So.
Matthew Maschler:
Absolutely. Absolutely. So, um, so that’s a, that’s an, that’s called an accident plan or an indemnity plan.
Cara Dee:
Yeah. Indemnity plans. They’re available through various, um, insurance carriers.
Matthew Maschler:
Who do you, do you sell ’em with one or multiple people? Multiple, but, but that, the, the multiple, it was a very exact price though.
Cara Dee:
Well, the price, you know, there’s a couple of different plans, but the one that I’ve provided the most, um, and of course, um, I do provide health insurance, Medicare plans, life insurance, which is a whole nother podcast.
Matthew Maschler:
I was gonna talk to you about that stuff too. But, but finishing up in the accident insurance. What’s the one with the duck? Did you do the one with the duck? No. So we’re not gonna mention that. No.
Cara Dee:
Duck the duck,
Matthew Maschler:
Right? No. <laugh>, we, we, we don’t sell the duck. Well, that’s separate. The
Cara Dee:
Duck has built a, I mean, that’s all that company sells Aflac. That’s all they sell as indemnity plans. And they’re huge. You know, they’re, but the
Matthew Maschler:
Interesting thing is about the commercial is I can’t tell from the commercial what they’re selling. Like I know the commercial I’m Aflac, but you see, but I have no idea what it’s,
Cara Dee:
But you see the duck stuck in your mind, right? The same way as Geico uses a gecko
Matthew Maschler:
Or, or caveman.
Cara Dee:
Okay.
Matthew Maschler:
Or Cave or Geico uses so many different ones. It’s crazy.
Cara Dee:
But the, the point of course, Geico get, and this is a whole nother, a whole nother, uh, thing, is that what’s important in advertising is that they get something that stays in your head.
Matthew Maschler:
Right? Right. And then, so if someone wants one of these plans, how do they connect with you?
Cara Dee:
Um, I can be reached, I have a page on Facebook, a business page. Um, it’s under Kara d, licensed insurance professional. And, um, I can be reached anytime. Am I allowed to give my phone number? Yeah, yeah, yeah. Okay. Um, 5 6 1 2 6 5 5 1 9 4. That is not a cell phone, so I cannot receive text
Matthew Maschler:
There. Repeat it, repeat it.
Cara Dee:
I’ll also give the cell phone three zero five. What?
Matthew Maschler:
No, repeat the phone number. ’cause that way people have to rewind.
Cara Dee:
5, 6 1. Five,
Matthew Maschler:
Six.
Cara Dee:
1, 2, 6, 5, 2, 6.
Matthew Maschler:
5, 5, 1.
Cara Dee:
9, 4, 5, 1, 9, 4.
Matthew Maschler:
Okay. And or reach out to me and I, I can connect you.
Cara Dee:
Yeah. People can rewind the podcast usually and listen to it again.
Matthew Maschler:
Or like, just rewind a minute or two. Do
Cara Dee:
You get paid extra if they listen to something twice?
Matthew Maschler:
I don’t get paid in anything. Oh, out. Okay. I do this, I do this for love.
Cara Dee:
I wish I made as little as you do. Matt <laugh>,
Matthew Maschler:
<laugh>. I don’t get paid anything for the podcast. I’m trying to take a sponsor. Um, well, well, a word from our
Cara Dee:
Sponsor. I don’t think Aflac is gonna touch you. Oh, I’ll, I’ll,
Matthew Maschler:
To be honest, I’ll give a word from our spon, not, not that, not a, our sponsor. If the, um, uh, for those of you listening, uh, for our sponsor at the Garden Cemetery, if the accident is, uh, colossal, so colossal that, uh, that you, you don’t, uh, you don’t get paid from Kara’s Health Plan, please see our friends at the Gardens Cemetery on military trail. Uh, ask for Garrett. Tell, tell him that, uh, that you were listening to the podcast and that Matthew sent you. And he will take great care of you or your family, uh, pre-planning, uh, at need planning, or whatever you need shipping out of state. A lot of people have plans to have intentions to go back to New York and New Jersey, wherever they came from. Um, and, and Garrett can make all those arrangements over at the Garden Cemetery of Boca Raton. But if your accident is, uh, is not severe, um, and you luckily, uh, survive, um, and you, um, get paid from, uh, from one of these plans, uh, you can use that money to, um, for anything you want, including making your pre pre-planning arrangements at the cemetery.
Cara Dee:
You know, Matt, I’ve always thought of you as a real estate tycoon, tycoon kind man. Yeah. Um, I’m now gonna refer to you as King of the segues <laugh>,
Matthew Maschler:
King of the segues,
Cara Dee:
Because that I, I have never heard. Um, such a great segue.
Matthew Maschler:
Do you wanna hear my segue story?
Cara Dee:
Sure. Good one. So, wait, do you have, did you have an accident plan when you had yours? I
Matthew Maschler:
Wish so, um,
Cara Dee:
Probably a good thing you didn’t, it would’ve cost, uh, the insurance companies too much.
Matthew Maschler:
So I wanted to segue, and I was just, you know, like on Craig Craigslist or whatever, and I, I found the segue, and, uh, it had, um, it was painted, it had blue flames on it. I thought it was the coolest thing in the world. I probably either overpaid or paid the right amount, but for an older model, uh, because I was distracted by those blue flames. And, uh, um, I was, oh, I’ll segue from my segue for a second. It was, um, I was expecting a package at work, and I asked, uh, one of my, uh, one of my assistants to, uh, FedEx a package, uh, to New York. Um, and he FedExed my, my segue accidentally on, purposely, accidentally on purpose. I came home from vacation. I was expecting to see my segue. I’m like, where is it? And, and he goes, oh, no, I FedExed it. I’m like, you FedExed. A segue.
Cara Dee:
Wait, that’s like a old, is that the thing that the security guard in the
Matthew Maschler:
Mold? Yeah. It’s like Paul Lar. Yeah. <laugh>.
Cara Dee:
Paul Lar Mock. Why did you need this?
Matthew Maschler:
I wanted it. I didn’t need it. I was expecting a check. And you was
Cara Dee:
Said formerly he would group on Segways
Matthew Maschler:
On vacation, right? Yeah, I was trying to, yeah. On vacation, I would write a Segway I’ve done in Rome and the Caribbean and, uh, Disney World at Epcot Center. Um, and I was waiting for, I was waiting for a check from a real estate closing. And, uh, one of my assistants accidentally, uh, FedExed thes instead of the check. Wow. But, um, anyway, so I’m riding Thes around, and I had to take my wife’s car to the car dealership for an oil change. Mm-hmm. <affirmative>. So I put the seg in the trunk, and I figured I’d segue around Delray Beach. So I go over the drawbridge and, uh, its very, very steep. Doesn’t have breaks. What doesn’t have breaks does that does not have breaks. You lean back, you gotta lean back, lean back. But the lean back
Cara Dee:
<laugh>,
Matthew Maschler:
I didn’t realize how steep that drawbridge was.
Cara Dee:
Yeah.
Matthew Maschler:
Plus I’m among grates. Yeah. And when I, and that, that’s like nothing to these tires. Right? So what happened is, from the speed of going down the drawbridge against the grates, uh, I totally lost control. And, uh, did some somersaults on Atlantic, uh, avenue drawbridge. Wow. Uh, lying in the middle of the street with my Segway. Um, so I ended up grabbing it and rolling, like log rolling to the sidewalk, because I did not wanna stay in the middle of the street. Went on a drawbridge with cars coming, and so got to the sidewalk and, uh, face was pretty bloody. And, uh, never used the Segway again. Never used that Segway again. I have been on another segway since, uh, but, uh, on, on the organized tours. But, uh, that
Cara Dee:
Must have been very traumatic. It was very, very scary. Uh, I would never, ever, did they rent? I’m not, did they rent those out at Disney?
Matthew Maschler:
They rent them on, no. If you go to Disney on a tour, yeah. It was Epcot, uh, two hours before Epcot opened. And we did a whole tour of Epcot on the Segway. Uh, I’m at the upper weight limits of, of a seg. Did you wear a helmet? Always wearing a helmet? Yeah. I’m at the upper weight limits. So it can be trouble for me if, if it, if it if it’s very hilly. Um,
Cara Dee:
Is that why those mole cops are always built like jockeys?
Matthew Maschler:
Well, they’re on,
Cara Dee:
Because
Matthew Maschler:
They’re not actually on the Segway. They’re on more of a mobile platform that you don’t have to balance.
Cara Dee:
But, am I thinking of a seg when you say
Matthew Maschler:
The segue’s the two wheel one that you, that’s very agile and they
Cara Dee:
Don’t have
Matthew Maschler:
Brakes? No.
Cara Dee:
Oh man.
Matthew Maschler:
No. You, you, you pull up, you pull up lean back, you lean back and it stops it.
Cara Dee:
Yeah. Obviously
Matthew Maschler:
It’s really, they’re really, they’re really, but I’m leaning back on, on a free fall with
Cara Dee:
Ridge. Oh, you’re much brave. Have you like Ziplined and all those crazy things? Uh,
Matthew Maschler:
I have Ziplined. I don’t particularly care for it. I don’t think I’ll ever do it again. I’ve done it a few times. I, I chickened out the most recent time I ziplined with the kids in Costa Rica. I have a fun, um, a picture of me upside down on a, on a Zipline in Costa Rica. So
Cara Dee:
You’re like a one and done. And
Matthew Maschler:
Then for a, and then for charity every year, um, in February, I lead a team down the, uh, 36th Story Hyatt Hotel in Orlando. So that, that’s fun. You
Cara Dee:
Still do that?
Matthew Maschler:
I just lead the team. I, I’m like the coach. I’m not like the player.
Cara Dee:
Where do you get all of this energy? I, I ask that question often. My goodness. How old are you?
Matthew Maschler:
Um, 49 and a half. <laugh>.
Cara Dee:
When’s your
Matthew Maschler:
Birthday? November 20th.
Cara Dee:
It’s just amazing that you have so much energy and stamina and, and desire to do all these things. I like, I
Matthew Maschler:
Like, I like, I like to do things. I, I I I’ll sleep when I’m dead. That’s why
Cara Dee:
I haven’t. And if you’re dead, please call. If you don’t survive the accident, please call.
Matthew Maschler:
But, uh, warning, warning to anyone, um, uh, buying plants anywhere near where mine are reserved. I, I snore <laugh>
Cara Dee:
And I plan on snoring.
Matthew Maschler:
So, um, alright, so speaking of, of of doing dangerous things, uh, let’s go back to health insurance here. Uh, Kara here is an expert on health insurance, um, Obamacare. Do you, do you have that? Do you have the Obamacare?
Cara Dee:
Uh, I personally do, um, because I, like you am self-employed and
Matthew Maschler:
I meant that you like to, to sell it. Do you sell the Obamacare?
Cara Dee:
I certainly, I provide those plans.
Matthew Maschler:
Is it true It comes with a free cell phone?
Cara Dee:
<laugh>.
Matthew Maschler:
I watch a lot of Fox News, so I I heard
Cara Dee:
It. I’m sorry.
Matthew Maschler:
What? I watch a lot. I heard it comes with a free cell phone. You
Cara Dee:
Watch a lot of Fox News, you
Matthew Maschler:
Said? Yeah. And they say that the Obama, the Obamacare comes with a free cell phone. Is that
Cara Dee:
True? I can’t wait. I’m still hung up on the, you watch a lot of Fox News. It’s not a
Matthew Maschler:
Free, I’m making a joke about the cell
Cara Dee:
Phone. No, it doesn’t come with a cell phone. <laugh>, but not to be political, but, um, the Affordable Care Act, of course, was put in place in 2014 and, um, it is, yeah, the Affordable Care Act, the key already. Wow. Obamacare. Obamacare. And I started providing insurance in 2013, Uhhuh Health Insurance for under 65 uhhuh. And all we did all day was sit and say, oh, you’re overweight. Thanks for calling. Click oh, you’re diabetic. Thanks for calling. Click. So, uh, president Obama put the Affordable Care Act in place, which, um, made it impossible for the government, excuse me, for the health insurance companies to decline anyone a policy because of preexisting conditions. Mm-hmm. <affirmative>, it also, um, made financial assistance available for people whose income falls between 100 and 400% of the federal poverty level. So, to be honest, um, when President Trump got elected, I was not happy about it, but I felt that the silver lining was that the Affordable Care Act would be changed because much of it is not a good system. Mm-hmm. <affirmative>, and I’m the first one to say that if you fall into the income where you’re supposed to be, it’s the best thing since the wheel.
Matthew Maschler:
If, if, if, if you qualify for, if you qualify Affordable Care Act, right, you can get very, very good health insurance at an affordable rate. Right.
Cara Dee:
I write policies every single day with a zero premium.
Matthew Maschler:
Mm-hmm. You know, it used to be, and especially for realtors, um, it was hard to get health insurance without being with, you know, if you didn’t have an employer plan. So for individuals and realtors and self-employed people, it was very hard to get health insurance. Right. And, and nowadays, is it, is it hard or, well,
Cara Dee:
What I was gonna say, and again, this isn’t political, is that the Trump administration failed to change the law. Not to bad mouth him, but because there didn’t seem to be a viable alternative. So the point is, is that even now, 2022, there is financial help available if you’re in a position like I am and 99 of realtors are self-employed. Right. Stacy, they’re 10 90 nines. Yep. Mm-hmm. <affirmative>. So you can use your net income mm-hmm. <affirmative>. So someone can have a, you know, a six figure income, but their accountant can write off their expenses, which a lot of people don’t know that you can use your net income when you’re self-employed. So there, but again, the system is not perfect. There are a lot of changes, but these, there are changes that need to be made. But these days there are a lot of hybrid products available.
There are alternative, the, the a c A is not the end all be all. There’s all kinds of hybrid products. There’s, there’s a plan for everyone. Just like there’s a home for everyone. Absolutely. I would imagine, again, I know nothing about real estate. I like, I admire it, but I I, it’s not a hobby of mine, you know, buying and selling houses. But ev I would imagine as a realtor that your, your mantra is that there’s a fit for everyone. Absolutely. And it’s the same with health insurance. So if I can be of any assistance, if I can help you get protection for your family. Health insurance, accident insurance. There’s another thing that you mentioned. Critical illness, critical illness. Uh, hospital indemnity. I was very shocked that hospital indemnity was still being offered when Covid started. What, what is, what is hospital indemnity? The accident plan pays you if you are hospitalized or injured or due to an accidental injury.
So I have clients call me all the time, uh, listen, I had a heart murmur this weekend. I had to go to the emergency room. Can I get a check from the accident plan? I said, did you accidentally have a heart murmur? No. Did the heart murmur happen because you fell on your chest? No. So then I tell them, no, that’s not an accent, but a hospital indemnity, that’s a very great plan to have for a very low premium. The average premium is 30 to $40 a month per person. If you’re hospitalized for any reason, you get a check for $1,500 and then $150 per day. Wow. So I’ve heard over and over again, my hospital bill is gonna be $25,000. What am I gonna do with $150 a day? Because if you were hospitalized with Covid for a month, for 30 days, that’s 6,000.
Right. Tax free. Mm-hmm. <affirmative>, that’s your rent. That’s your car payment. That’s your husband or wife’s car payment. That’s your, your mortgage. That’s your restaurant money. <laugh> your valet money. Because Yeah. I mean, look, we live in an area that’s, uh, you know, you have to have cheese. And, um, did I sound cool when I said cheese <laugh>? No, I know. Yeah. I’m trying, I think it’s Cheddar, cheddar, cheddar. Oh, sorry. Cheese. Well, cheese is important. Yeah. Where would we be without Parmesan cheese? Matt, Matt just pale Mexican food. I Mexican food. <laugh>. We’d be at Senden your burrito. Right? As a matter of fact. But, um, yes. So seriously, um, if you wanna let me help you protect your family, protect yourself against the unforeseen, um, it’s really great thing to do, especially with the money we spend every day on just coffee or, you know, the, the $15 burger that we now have to buy. Right?
Matthew Maschler:
Yeah. So he
Staci Garcia:
You don’t have to get hurt at work though.
Cara Dee:
No. You can get, you can get hurt anywhere.
Staci Garcia:
Pickleball. I mean, I randomly fall just in my driveway.
Cara Dee:
And, you know, I’ll give you a quick example. You don’t
Matthew Maschler:
Go to the doctor though?
Staci Garcia:
No. <laugh>. I, I look around to see if anyone saw me first, and then they, then everybody’s clapping. ’cause I always fall in my driveway,
Cara Dee:
But, well, do you have an accident plan?
Staci Garcia:
No, I need to, oh,
Cara Dee:
By the end of today, Stacy, you’ll have a, did you see their opening in Boca? A new ice skating rink?
Staci Garcia:
Um, on Spanish River?
Cara Dee:
Well, a new ice skating rink. They’re opening on Congress. A ice skating, r skating
Matthew Maschler:
Rink on Congress, um, by the Peninsula Center Drive. Oh, yeah.
Cara Dee:
A a a lawyer friend of mine posted on Facebook, they’re opening in ice rink. This is all Boca was missing in 95 Degrees, was an ice skating
Staci Garcia:
Rink. There’s one lake worth. I love ice.
Cara Dee:
Well, the only time I ever broke a bone mm-hmm. In my whole life was when I was 13 years old. I was up at Kutcher’s Kutchers <laugh>. And like any, um, good Floridian, I decided I was gonna go ice skating, broke my leg, and we were supposed to go to Philadelphia the next day. My father had a convention there. We didn’t go, but ICE was sitting last night. This is what insurance agents do. I was sitting last night on Facebook looking at this ice skating rink being built and thinking, I’m gonna just sit outside there because anyone who, yeah. We’re gonna take
Matthew Maschler:
Flyers. We’re gonna fly the
Cara Dee:
Parking lot. Who Their kids. Right. Go on ice kids that the only ice they’ve ever seen is in their parents’ margaritas. <laugh>. Okay. There’s going to be broken bones. And I’m not saying that to be negative. It’s, it’s part of physical activity. So I am already planning my strategy. Well, we’re going to, uh, we’re gonna get involved with the ice skating rink
Matthew Maschler:
<laugh>. Uh, no, but we can go, we can go to, um, we could go to, um, uh, the ice skating rink with flyers and pass out flyers. And
Staci Garcia:
I know a guy who puts the, uh, advertising on the inside of the ring on the
Matthew Maschler:
Wall. Oh, that’s good.
Staci Garcia:
If you want me, I I can introduce you. Well,
Cara Dee:
You know, it’s funny because I probably thank you. That’s a great idea. I probably would not personally put up, you know, a sign that says, you know, fall and break your leg. Just call the skating rink. Yeah.
Matthew Maschler:
Put it, put it right next to the, the lawyers do, but the cars in the parking lot, the personal injury lawyers will do it.
Cara Dee:
Yep. Well, that’s why they’re lawyers.
Matthew Maschler:
So, uh, so speaking of Kutchers, um, if you’re more interested in, um, there’s a documentary, I don’t know if it’s Netflix or Amazon Prime, uh, called Welcome to Kutchers.
Cara Dee:
Really?
Matthew Maschler:
And it is fantastic. So you really wanna, uh,
Cara Dee:
You have to understand that it’s not one of my favorite places. Kutchers.
Matthew Maschler:
Yeah.
Cara Dee:
Or Netflix. I broke my leg there.
Matthew Maschler:
Yeah. But still, it’s still worth watching the documentary something to do when you recover.
Cara Dee:
No, the, the, did you spend much time in the Catskills as a youth?
Matthew Maschler:
No. No. Um, my father was like a busboy in, in his youth. Um, we went to summer camp in the Poconos.
Cara Dee:
Oh, you were a Poconos guy, but,
Matthew Maschler:
But summer camp without the family. So
Cara Dee:
You’re, where did you grow up in New Jersey?
Matthew Maschler:
Staten Island, New York.
Cara Dee:
Oh, Staten Island. Okay. Yeah.
Matthew Maschler:
You know how it got, you know how it got its name? No. When Columbus discovered, America discovered Staten Island, Hey, is Staten Island? <laugh>. <laugh>. And it stuck. So,
Cara Dee:
Um, but you never, so you, what about you, Stacey? Did you go to the Catskill Mountains when you were a
Staci Garcia:
Kid? We used to go to Lake Plad. Uh, we used to go to, uh, snowmobile every year. Mm-hmm. <affirmative> in Lake Plad. And we, and I went to camp in the Poconos also.
Cara Dee:
You’re Poconos people,
Staci Garcia:
But I’m not Philly girl.
Cara Dee:
You’re from Philly? Yeah. Mm-hmm. <affirmative>. So,
Matthew Maschler:
But, but Poconos, because that’s where the summer camp, the, the Jewish summer camps are all in the Poconos. The, the hotels were and the bungalows where families would go. Right. Were, were Catskills. So it
Cara Dee:
Was Right. So you went to some, do you know that I consider myself a foodie, as you know, Uhhuh. <affirmative>, yeah. Matt and I love a good meal. Mm-hmm. <affirmative>. But I have never in my entire life eaten a Philly cheese steak sandwich. Really? Ever.
Matthew Maschler:
Why not?
Cara Dee:
It just, well, I’m not gonna insult a whole culture. It just doesn’t appeal to you. It just doesn’t appeal.
Matthew Maschler:
Does a cheeseburger appeal to you?
Cara Dee:
Uh, what time is it? Yeah. <laugh>, I mean, yes, cheeseburger appeals to me. No, but it, yeah. What It’s cheese whizz though. No, it
Matthew Maschler:
Can be
Staci Garcia:
Cheese whizz. That’s, that’s, you know, that part of the Philly thing I don’t
Cara Dee:
Go for. So I should think of it as a, um, a, a cheeseburger. I mean, it’s not that in a different
Matthew Maschler:
Form. It’s just not that different. I mean, you know, have you ever had like a, like a French dip?
Cara Dee:
Really?
Matthew Maschler:
I don’t know.
Cara Dee:
Do you think I’ve ever had a French dip? Yes. No. I only eat chicken and steam broccoli. Yeah.
Staci Garcia:
Which is funny. I
Cara Dee:
Only eat chicken. French dip is one of my favorite sandwiches. Yeah. So
Matthew Maschler:
It’s quite similar. So,
Cara Dee:
Okay, well if you put it that way.
Matthew Maschler:
So anyway, so, um, yeah. So here on the Real Estate Funder, uh, podcast, you know, we like to talk about real estate, but other, other types of investing and, uh, and, and protecting your investments. Just like if you own real estate, you need insurance for your real estate, uh, you need insurance for yourself. You, you, you’re, you’re, you are your own best investment and you have to protect yourself. And there are different ways to financially protect yourself. And you need health insurance, and you need accident insurance because it just doesn’t make sense to, um, to, to be at risk. If you, you could have the best health insurance in the world and, and sprain your and, and, and, and not be able to work for a few days. And, and if you’re a real estate agent, you can’t show houses. Or if you’re, and you lose that commission.
I was, I, I had breakfast this morning with a client, um, that I, I sold her new construction. It was, you know, it wasn’t terribly hard. It, we, you know, we might’ve had to work for weeks to find a house. It was about four or five years ago. And, and the referral came to me from someone who couldn’t work that day. For what? For whatever personal reason she couldn’t work today. She called me up and said, Matt, I have clients in town. Can you take them out? I take them out and I sold something. So, you know, the referral person got a, got a, got a referral fee from me. Of course. But, but she didn’t get the full commission. And because she couldn’t work that day for what? It wasn’t medical reason, but for whatever reason, she couldn’t work that day. So you can’t go to work. You don’t, you don’t work. You don’t get paid. And the accident, uh, plan from Kara for $18 a month, uh, will protect you, um, in that
Cara Dee:
1804,
Matthew Maschler:
$18 4 cents a month.
Cara Dee:
That’s for an individual? Yes.
Matthew Maschler:
Or, or, you know,
Cara Dee:
Or, and I appreciate, I always think of you, uh, I I quote you every day you
Matthew Maschler:
Quote me. Yeah,
Cara Dee:
Yeah. Um, about, you know, certain places, I don’t know if you want me to, you told me the places in Boca that are the absolute best to live. Uhhuh <affirmative>.
Matthew Maschler:
Uh, I think anywhere. Bocas Great place.
Cara Dee:
Yeah. Well, you know, there’s so many people moving down. And also realtors and health insurance agents with this influx of people, thousands of people moving into Boca. Mm-hmm. <affirmative>. Literally. Yeah. Did I say that? Boca. Boca, we have to support each other. Absolutely. It’s extremely important. Absolutely. Matt and I have this symbiosis. Mm-hmm. <affirmative>, you know, uh, somebody puts on Facebook, they’re moving down. I tell them nobody knows Boca better, which I, I definitely agree with. ’cause I said it.
Matthew Maschler:
And no one knows health insurance better.
Cara Dee:
Well, thank you. I don’t know if I would say that, but No,
Matthew Maschler:
In bo no one in, in the Boca immediate area knows South Insurance better.
Cara Dee:
Uh, I would like to think that, uh, I’ve been trained by good people and I do okay. But I do very much appreciate the opportunity
Matthew Maschler:
To, and anyone who knows me would know. I would not bring someone on the show for any reason, other than they were the absolute best at what they do.
Cara Dee:
Thank you, Matt. It’s very nice, Stacy.
Matthew Maschler:
And, and that’s why, that’s why I have no problems, uh, recommending, uh, Kara for, uh, for any, any anything that she does, because she’s the
Cara Dee:
Absolute best. Thank you. That means a lot. Thank you. And when other professionals recommend you, it doesn’t get better than that.
Matthew Maschler:
Absolutely.
Cara Dee:
So thank you so much and thank you Stacy. I pleasure.
Matthew Maschler:
So if you have any questions and, uh, about, um, health insurance, reach out to or accident insurance, reach out to car. And it’s Cara.
Cara Dee:
Cara
Matthew Maschler:
D Cara. D c a r a d c e
Cara Dee:
D is actually my Facebook Nome de plume. It’s, I have a last name. Um, Dickler. D i c k l e R. Um, now you know why I used d That’s all right. I was a wiener. <laugh>. Okay. <laugh>. I feel you. Dickler, um, covers wiener. <laugh>. So if you wanna play rock
Staci Garcia:
Papers s we can do rock
Matthew Maschler:
Paper. We’re not playing that with wieners. And
Cara Dee:
We’re getting a very un approving look from the
Matthew Maschler:
Moderator. We’re, we’re, we’re, we’re, we’re not in third grade anymore. That’s your name. It’s not a big deal. Um, it
Cara Dee:
Memorable,
Staci Garcia:
But only it’s not because ’cause it’s not your name, it’s
Cara Dee:
Memorable. Right, right. Somebody named Matthew has, you know, I spent my entire childhood walking around Disney World looking for something with my name on it.
Matthew Maschler:
Oh, Kara. Kara.
Cara Dee:
C a r a. I still,
Matthew Maschler:
That’s, that’s be very difficult.
Cara Dee:
Yeah. Still. I mean, Matthew, they, they have something with your name. I literally spent my whole childhood walking around. Yeah. There’s still nothing. It’s if you spin the rack
Matthew Maschler:
Today, it’s very, it, I, that would have to be very sad. I made sure when my kids were born, David and Lindsay. Right. I wanted to give them names that they could find the license plate. They could find the coffee mug. Ha. But then Lindsay, there’s the two ways to spell it. And whenever I’m speaking into the phone, uh Right. It always goes a way I have to change it. Right. But, um, but, uh, but I wanted to, yeah, I wanted to make sure that that Right. You know, give, give them, I dunno, I don’t wanna say normal names.
Cara Dee:
Traditional,
Matthew Maschler:
But, but, but, but in, you know, the American fifties tourist, traditional, ’cause it’s other names come from other traditions and they’re just not listed, uh, on the license plate game. Are you
Cara Dee:
Spelled S t a c I? They
Staci Garcia:
With an I. Yeah. There was
Cara Dee:
Never anything. So they write,
Staci Garcia:
My mom just said Buy it with the Y and cut the line off.
Cara Dee:
They don’t know. They don’t know the struggle.
Matthew Maschler:
Cut, cut it off of a coffee mug. No, they
Cara Dee:
Don’t know the
Staci Garcia:
Struggle. If there was something that you could cut, cut up the Y part, you know, cut off. So the eye would always be at an angle. But really
Matthew Maschler:
Though, see for me, we talk about Kara not not being on front of that. For me, the name Kara, you know what that represents to me?
Cara Dee:
Um,
Matthew Maschler:
Superman’s sister. But that was with a K. It was, or cousin, cousin
Cara Dee:
Superman has a sister or cousin
Matthew Maschler:
Named Supergirl, named Kara Supergirl.
Cara Dee:
Cara Supergirl was Kara’s name.
Matthew Maschler:
Kara Zore. Superman was Kale on Krypton. And
Cara Dee:
Yes, I know.
Matthew Maschler:
And so, so Kara was Kara Zore on Argo City.
Cara Dee:
That’s very interesting.
Matthew Maschler:
But Cara, but was with a K, not with a C.
Cara Dee:
Um, there was a Kara Kennedy, or there is a Kara Kennedy with a K. Um,
Matthew Maschler:
It is, is car Kara’s not short for something?
Cara Dee:
No, c a r a. My grandmother’s name was Clara.
Matthew Maschler:
Clara.
Cara Dee:
And, you know, um, so my parents, but seriously though, like, I see people every day and they put on Facebook, I, I need to use an m What should I name my kid? You know, they ask the opinion of strangers. You, well,
Matthew Maschler:
Well, they’re just looking for names that they can
Cara Dee:
Connect with. Right. But you know how I, you know, it’s a p but, and people write like, you know, macadamia Mercedes mandolin, and I’m, and I always write the same thing. No, they mean it a great name
Matthew Maschler:
For kid.
Cara Dee:
I like which one?
Matthew Maschler:
Macadamia Macadamia
Cara Dee:
Macadamia <laugh>. But I
Matthew Maschler:
Always write no comments from the Macadamia gallery over there.
Cara Dee:
I always write, why I always write. My response is, I spent my whole childhood walking through Disney traumatized. But you know, they’re not gonna find
Staci Garcia:
Anything. Well, now I agree with you, and I had the same history, but also I named my kids, um, Remy, Reese and Radden. But I also went online and got everything personally made. ’cause that was, um, like, in order to make up for it, the fact that they wouldn’t be able to buy anything.
Matthew Maschler:
You had to go outta your way to make up for it. I did see, for me, the, the, that initial thing that’s, I, for, for me, I don’t, I don’t personally care for it. Like, my name is Matthew. Right. If someone wants to honor me, one of my kids or nephew, niece or nephews wants to honor me and name their child after me. That’s great. My name’s Matthew. If you name him Mitchell. Oh, is this the m for Matthew? That ain’t, it’s not my name. <laugh> <laugh>. My name’s Matthew. If you want name your son after me. They the name of Matthew.
Cara Dee:
No, I love traditional names. So, so that’s,
Staci Garcia:
That’s like, that’s not a Jewish thing.
Matthew Maschler:
It is a Jewish thing. Matthew?
Staci Garcia:
No. You’re naming after the m
Matthew Maschler:
No, that’s a bastardization of a Jewish thing that’s taking a Jewish tradition. Yeah. And watering it down to one letter from the whole name. True. The traditional Jewish thing is to give them the same name. I, my, my Hebrew name is my grandfather’s Hebrew name. Right. Didn’t know that. That’s why they’re doing the m They’re they’re trying to connect, but they don’t want to, they don’t wanna give their, but the, the American name, they don’t wanna name their son Marvin. They don’t wanna name their son Stanley. My
Cara Dee:
Mother’s name is Harriett.
Matthew Maschler:
There’s not a lot of Harriets or, or Claire’s or Roses anymore. Right. So they don’t wanna give the same name from the older name. So, you know what, what’s funny about Hebrew names is right, like I have an American name on my driver’s license and on my birth certificate. But in, in Temple I have a Hebrew name. But then you have some more religious people who, whose legal name is, is their Hebrew Jewish name. That’s on their driver’s license. But then they might adopt an American name because that way it’s just easier to communicate with, with people.
Cara Dee:
What is your Hebrew
Matthew Maschler:
Hyam? May, that’s
Staci Garcia:
All like the whole
Matthew Maschler:
Thing. Two, two words. Like, like Betty Ann. Right. Hyam Mayer. Oh, my grandfather was was Mayor Meyer.
Cara Dee:
Mine is Kayla Sora, but I never use it. So why
Matthew Maschler:
Not just name you Kayla? That would’ve worked? Like,
Cara Dee:
Or Caitlyn. Yeah, that would be Caitlyn.
Matthew Maschler:
Yeah. That’s a great name. Yeah. For a woman.
Cara Dee:
Anyway.
Matthew Maschler:
Like my daughter, my daughter’s Hebrew name is, is is Leia. Yeah. I’m like, why don’t we just name her Leia. That’s pretty cool. Her American name. Her Jewish name. No, David is David.
Cara Dee:
No Star Wars fanatic can have a daughter named Leia. Well, you would’ve made her wear the little round donuts on her head.
Matthew Maschler:
And it’s, it’s, it’s after Wendy’s mother who was Lita. So I said, let’s name her Lita. Your mom was Lita. Let’s name her Lida.
Cara Dee:
And what is her name?
Matthew Maschler:
Lindsay. She didn’t wanna name her Lita, but So
Cara Dee:
You named her after an olive?
Matthew Maschler:
Something like that. Yeah. Okay.
Cara Dee:
Well that’s traditional Lindsay
Matthew Maschler:
Olive tree. Lyndon, it’s,
Cara Dee:
Well, Lindsay’s a brand of olives. Yeah.
Matthew Maschler:
Well, well it’s, it’s from an olive tree. Lyndon is an Irish or Welsh word for an olive tree or something like that. But Lindsay’s derivative of Lyndon. But, um, but Wendy’s mother was Lita and her li’s Hebrew name was Leia. I’m like, let’s use Leia or Lita. But she wants to use Lindsay and that’s fine. I’m not gonna argue
Cara Dee:
With her. You really are a wealth of knowledge.
Matthew Maschler:
I, I’m like Cliff Claven from Cheers. <laugh>. I know a lot about nothing.
Cara Dee:
I’m the same way, but not, I know about the things that you uhhuh know about, like Hebrew names and Hebrew names.
Matthew Maschler:
Wrestling. Wrestling.
Cara Dee:
I, my,
Matthew Maschler:
We have a whole podcast dedicated to wrestling.
Cara Dee:
Good. Make sure you let me know which one that is so I can delete it. <laugh>. There. There you go. <laugh>. Um, my, my proclivities tend toward the, uh, the music, the books
Matthew Maschler:
To what kind of music all are you, are you gonna go see Lizzo? Who? Lizzo.
Cara Dee:
I, I don’t know who that is. Lizzo
Matthew Maschler:
Check
Cara Dee:
Feel. Is that country
Matthew Maschler:
Rap?
Cara Dee:
No, I’m not gonna go see rap. No, I mean, I have knowledge that’re talking about knowledge of
Matthew Maschler:
Things. You don’t have a karaoke set up in my house. I know. And really, I only do it when nobody’s home. Mm-hmm. <affirmative>. And then last night in the middle it was dark and I tripped all over it.
Staci Garcia:
Do you have accident
Matthew Maschler:
Insurance? No. Excuse me. <laugh>.
Cara Dee:
Wow. No, but I mean, it’s only
Staci Garcia:
1804.
Matthew Maschler:
Only $18 a month.
Cara Dee:
No, you, I never got you a
Matthew Maschler:
Policy. Me. No, I’m healthy. I don’t get sick. I think
Staci Garcia:
You should get it anyway. ’cause I would,
Cara Dee:
I don’t, don’t get sick, quote unquote. Okay. So that means you’re not gonna fall down and get hurt.
Matthew Maschler:
I’ll tell you the answer off the air.
Cara Dee:
They Okay. But, um, no, I I don’t mean that I go see rap groups. I meant that I have knowledge about things that are trivial. Mm-hmm. <affirmative>
Matthew Maschler:
That Trivial <laugh>.
Cara Dee:
Well, you know,
Matthew Maschler:
Trivia Trivial,
Cara Dee:
You know, musicians Uhhuh from the seventies and sixties
Matthew Maschler:
And do you go on any of the music cruises from the seventies? My mom went on the seventies. Rock and Romance Cruises. I’ve,
Cara Dee:
I’ve told my friends a few times, we should
Matthew Maschler:
Go on one of those cruises. The sixties Flower Powers Cruises.
Cara Dee:
Well, I love disco. I mean, I know that’s, you know, heresy and some sort. There’s
Matthew Maschler:
Also the, she went, also went on the disco cruise. I would like his mom rock. You have to listen on the Math Mania podcast. I did two interviews with her on her music cruises. Your mother? My mother. She’s cool.
Cara Dee:
Yeah. They have all the old bands. Yeah. Those look awesome. Oh, she, I’ve tried to get my friends to go several times. Let’s go. You know what, those are expensive though.
Matthew Maschler:
They are, those are very expensive. More expensive than a regular cruise. Right.
Cara Dee:
’cause they have to pay for Casey’s Cabin and they have to pay for Evelyn Champagne. King. Champagne <laugh>. And they have to pay for the Platters. Platters. And they have to pay, you know, for, um, Avaris
Matthew Maschler:
Casey’s cabin went over my head until I realized you were doing double.
Cara Dee:
I mean, these, you know, Gloria Gainor, I mean these one, even people from the disco era who had one hit. Mm-hmm. <affirmative>, you know, she gets paid every time they
Matthew Maschler:
That on the ring. Is dinner a one hit wonder?
Cara Dee:
Well, I will survive. I think, I think
Staci Garcia:
The weather girls were a one hit
Matthew Maschler:
Wonder. It’s raining man.
Cara Dee:
Yeah, it’s raining Men. Yeah. But that was, uh, oh, I stopped buying umbrellas when that song came out. <laugh>,
Matthew Maschler:
Do you
Cara Dee:
Ever see it? I’ll explain that to you later. Matt <laugh>. Oh, I,
Matthew Maschler:
I, I got the, I stopped
Cara Dee:
Buying umbrellas. Get
Matthew Maschler:
I get it. You’re enjoying
Cara Dee:
The rain. They were the, they were the weather.
Matthew Maschler:
You’re enjoying the rain.
Cara Dee:
They were the weather girls.
Matthew Maschler:
Mm-hmm. <affirmative>.
Cara Dee:
And it turns out actually, like with Milli Vanilli Uhhuh, the Weather Girls, uh, they were not maybe at that time considered, uh, photogenic Uhhuh. And they actually, um, sometimes in these videos, they will replace the singers who tend to be not photogenic with more model type singers.
Staci Garcia:
You would love Lizzo.
Matthew Maschler:
Yeah. And you a hundred
Staci Garcia:
Percent. I’m gonna text you. What
Cara Dee:
Is Lizzo? Lizzo?
Matthew Maschler:
It’s probably short for Elizabeth.
Staci Garcia:
I think. Liz Lizzo.
Cara Dee:
Is that a person or It’s
Matthew Maschler:
A person? She, yeah. L I Z Z O. It’s like Liz. Elizabeth. Liz. Okay. And she’s Lizzo
Staci Garcia:
And the show. I just finished binging it ’cause it was really great talk. It’s
Cara Dee:
A TV
Matthew Maschler:
Show. She’s a person. I’m confused.
Staci Garcia:
She’s a person and there’s a real
Matthew Maschler:
Liz show.
Cara Dee:
Okay. Was she a showgirl?
Matthew Maschler:
She’s a rapper. She hosted a musical guest at Saturday Night Live two weeks ago. I don’t
Cara Dee:
Watch Saturday Night Live. <laugh>. I haven’t watched Saturday Night Live since the, uh, eighties.
Staci Garcia:
Well, I’m gonna text you that. This show, it’s on Amazon Prime. It’s really good. It’s called Here Come The Big Girls.
Matthew Maschler:
Hey Mr. Producer, am I allowed to, uh, put a song on the podcast or is there copyright issues?
Cara Dee:
I don’t know if I wanna watch a show called, here Come The Big Girls.
Staci Garcia:
It’s just exactly what you just talked about, about the weather. Girls putting really better looking people in place where Yeah. And, and and she breaks that stereotype and she puts the big girls up on stage. Really
Cara Dee:
Great. Well, she sounds like somebody I’ll have to check out. Yeah. Based on her name alone.
Matthew Maschler:
Am I allowed to put, put, put a song on or is there a copyright issues I can put a song on. Alright.
Cara Dee:
Not, um, you know who
Matthew Maschler:
Wrote It’s Raining then
Cara Dee:
You
Matthew Maschler:
Paul Schafer <laugh>. Oh really?
Cara Dee:
Paul Schafer
Matthew Maschler:
Show our producer, late show. Our producer says that Paul Schafer from, uh, the Late Show, um,
Cara Dee:
Paul Schafer was, uh, I wonder what he’s doing now. He was a huge force on Saturday Night Live and on. He went on to David Letterman. Nobody cares. No, no.
Matthew Maschler:
See this is the kind of setting up. I’m setting up, I’m setting up for Lizzo. There
Staci Garcia:
You go. I heard.
Speaker 5:
I do my check my baby. How you feeling towel? Check my neck baby. How you feeling?
Matthew Maschler:
I do this in karaoke, like when nobody’s home
Speaker 5:
Eat.
Matthew Maschler:
Right. I just, I do my hair to check my mail, baby. How you feel?
Speaker 5:
Good. Him.
Cara Dee:
I was worried today about what I was gonna say. I’m no longer
Speaker 5:
Worried. I
Matthew Maschler:
You’re not worried. No.
Cara Dee:
That’s awesome though. Yeah. Let your freak flag climb up and next time you do the karaoke don’t want with the video,
Matthew Maschler:
Walk your finances out the door and do your hair toss. Check the them.
Staci Garcia:
When I clean the house I found Liz.
Speaker 5:
What?
Matthew Maschler:
Ow what was it, what was the name of that? Was it documentary you watched?
Staci Garcia:
No, it’s a, it’s like eight episodes, one season of recruiting the, the girls that are doing her show tour, it’s
Matthew Maschler:
Wonderful. And then her backup dancers kind of look like her. She wanted people that represent her. Right. So she, so yeah, she, she’s gonna be, she’s great. She’s awesome. She was so funny on Saturday night. The hives.
Intro:
You don’t love you anymore baby. How you hair talk check nail baby. How you
Matthew Maschler:
So sometimes when I, uh, make an offer on a house in this market, ’cause there’s so many offers and I just feel like that’s the reaction that, uh, the listing agent gives me. You
Cara Dee:
Know what? You’re such a positive
Matthew Maschler:
Person. I, I, I submit an offer in the, and the, uh, and the, uh, listing agents just doing his hair cross, checking his nails. Totally, totally ignoring my offer. <laugh>, do
Cara Dee:
You really sing karaoke to that home alone? Only
Matthew Maschler:
When? Only when nobody’s home.
Cara Dee:
Are you naked when you’re doing <laugh>? No.
Intro:
What are you picturing right now? No,
Cara Dee:
I’m not asking you for that reason. Naked, because you’re so, you’re such a free spirit naked. Who doesn’t? I’ve done karaoke naked.
Matthew Maschler:
Where?
Cara Dee:
In Lake Placid.
Matthew Maschler:
In Lake
Cara Dee:
<laugh>, Florida. No, I wasn’t asking it for any perian reason. I was saying, because, you know, I mean, that’s when you’re home alone, you, you let everything hang out and be free. I, I might
Matthew Maschler:
Be my underwear. I might be my underwear and t-shirt, but I’m not naked
Cara Dee:
To my, my guilty pleasure. I, you know, obviously I could exercise my We are
Matthew Maschler:
Recorded <laugh>. We are recording this. So I don’t know where you’re going with
Cara Dee:
It. I love to dance in the house. That’s a form of exercise I get. Mm-hmm. <affirmative>. Um, I love to try and have my son do it with me, which sometimes he doesn’t. Sometimes he doesn’t. But it’s a great old Is he feeling, how is he? He’s 25. 25. But it’s such a great feeling. Mm-hmm. <affirmative>. Um, I have a few guilty pleasures today. It was Chickita by Abba. Oh, nice. You know? Do you like Abba? Yeah. I don’t think I’d go see Abba. Oh, you’re okay. Good. Did you see that? Hold on, let me, uh, make a call. Uh, yes. Uh, hi. Um, cancel the tour. Yeah. Um, Agne. Stacy doesn’t wanna see it. Um, can you come out of, don’t bother coming out of retirement because Stacy said that she will not come see the tour.
Matthew Maschler:
Did you, did you see the cover band in Meiser Park a couple weeks
Cara Dee:
Ago? No. I don’t like cover bands.
Matthew Maschler:
Wendy went with some friends. Um, my wife Wendy went with some friends and uh, she came back. She’s like, I do not know Abba songs. <laugh>.
Cara Dee:
Oh, my son even appreciates Abba. Oh yeah. I mean that music. Look at, look at the movie. What was the movie with Meryl Streep? Abba, I’m blanking. Mama
Matthew Maschler:
Mia.
Cara Dee:
Mama Mia. Their songs are timeless. They’re timeless. They’re timeless. And
Matthew Maschler:
I didn’t see the movie, the Cover band or the Broadway musical.
Cara Dee:
Two things came out of Sweden. Uhhuh. That meant anything. Fish Swedish Fish <laugh>
Matthew Maschler:
And Ikea.
Cara Dee:
<laugh> Volvo, Swedish Fish. It’s that is really funny. Swedish Fish and Swedish Meatballs. No, I was thinking of um, Abba and Volvo. Abba
Matthew Maschler:
And
Cara Dee:
Volvo. Yeah. And so if you haven’t listened to Abba, you might want give yourself an education. See this, this stuff I could talk about all
Staci Garcia:
Day. Yeah. Maybe you wanna start a podcast?
Cara Dee:
Yes. I’m sure there’s a huge demand for people who wanna discuss Abba.
Matthew Maschler:
The Abba the Abba cast. The
Cara Dee:
Abba
Matthew Maschler:
Cast. Sign us up. I
Cara Dee:
Knew him. Abba cast. Abba Cast. He went to my temple
Matthew Maschler:
<laugh>.
Cara Dee:
Anyway, on that note,
Matthew Maschler:
Abba Ab Abba’s father. Right?
Cara Dee:
What was his Hebrew name?
Staci Garcia:
Abba Iba <laugh>.
Matthew Maschler:
Abba Iba.
Cara Dee:
That’s
Matthew Maschler:
Sorry. Oh wait. So Abba. Oh boy. The movie is Mama Mia. Yeah. Yeah. I never realized it’s the Hebrew word for father. That was
Cara Dee:
Also a really great Italian restaurant on the Hollywood Circle,
Matthew Maschler:
By the way. How about, or Mama Mia. Mama
Cara Dee:
Mia. Mama
Matthew Maschler:
Mia.
Cara Dee:
Remember Mama Mia.
Matthew Maschler:
That’s gonna be the next karaoke
Cara Dee:
What? Mama Mia. Mama
Matthew Maschler:
Mia.
Cara Dee:
But Abba, it’s, anyway, I’m not gonna talk anymore about Alma.
Swedish Chef:
Did I sit?
Staci Garcia:
This is me cooking.
Swedish Chef:
Yay. Chef Pork <laugh>
Cara Dee:
From the Muppets.
Matthew Maschler:
From the Muppet
Swedish Chef:
Meat. <laugh> Salt.
Cara Dee:
Matt, you are really, I had no idea how fun you are.
Matthew Maschler:
You had an idea. No,
Cara Dee:
I really didn’t
Matthew Maschler:
Have an idea. You knew how fun I was. You were, you were, you were trying to imagine how fun I was.
Cara Dee:
No, actually I was trying to imagine the naked
Matthew Maschler:
Charact,
Cara Dee:
But no, I really wasn’t though. I really had no idea. You had so much knowledge and Witt and charm. No wonder you’re so successful.
Matthew Maschler:
I’m the smartest guy. I know. <laugh>
Cara Dee:
And narcissism and No,
Matthew Maschler:
You know, it’s okay to be in touch with you when you legitimately are the best. It’s not narcissism. No, I’m not. It
Cara Dee:
Just fact. Not the best. I’m not legitimately the best. No, I’m not. I try hard,
Matthew Maschler:
But, all right. Well thanks for joining us on the Real Estate Finder podcast. We may have to, uh, move the rest of this episode to the Matthew Mania podcast where I get to, uh, this
Cara Dee:
Was really fun. Thank you. This was a lot of
Matthew Maschler:
Fun. Oh my. Thank
Cara Dee:
This was a lot of fun for the opportunity. Next time let’s just talk about ABBA and Roast Beef and Volvo
Matthew Maschler:
Volvos. We’ll get you on the Matthew Mania podcast. We
Cara Dee:
Do that. And thank you for turning me onto that new music. I’m gonna definitely add it to my Pandora. I’m totally lying. Absolutely,
Matthew Maschler:
Totally lying <laugh>. Totally lying. Alright, so thanks for joining us on the Real Estate Finder podcast. I’m Matthew Ashler, the Real estate broker,
Staci Garcia:
And I am Stacey Garcia. And thank you Kara d I really appreciate you
Cara Dee:
Coming here. My pleasure. Thank you for having me.
Matthew Maschler:
And thank you to the crew at Pod Pop Life for the visual effects and assistance. If you’d like to record your own podcast about Abba Swedish Meatballs, or any topic that comes to mind, please reach out to Pop Populi with, uh, now with 99 locations in, uh, every major city in, uh, north America, soon to expand to Europe, Asia, and Africa, Sweden and Sweden.
Cara Dee:
Good. Okay. So you’re good. You just made it uncomfortable. Lemme move this over here,
Matthew Maschler:
<laugh>. So that makes you feel a
Cara Dee:
Little bit better. Never touch another woman’s headset, otherwise
Matthew Maschler:
Before
Cara Dee:
You take her out to dinner. Exactly.
Matthew Maschler:
All
Cara Dee:
Right. I’m not that
Matthew Maschler:
Easy. You wanna talk about wrestling or real estate?
Cara Dee:
No. Wrestling. <laugh>,
Matthew Maschler:
You never watched it?
Cara Dee:
No.
Matthew Maschler:
Okay. So now when you’re talking, you’re gonna talk into the microphone.
Cara Dee:
Check one, two.
Matthew Maschler:
All right. I heard you good. Okay. All right, good. So, um, what, I can hear you,
Cara Dee:
Are we rolling?
Matthew Maschler:
No, not yet. Okay.
Cara Dee:
Alright.
Matthew Maschler:
So maybe, should I hit record? Hmm. I wish I got that, like the last three minutes recorded.
Cara Dee:
Are you in charge here or am I
Matthew Maschler:
I’m in charge. Okay. Actually then me, then Stacey, then. Okay. Rolling. But I’m gonna start the show. Okay. Then Stacey’s gonna talk, I’m gonna talk about real estate for like two or three minutes. Mm-hmm. <affirmative>, then we’re gonna introduce you. Mm-hmm. <affirmative>. Okay. But if I ask you questions about the, um, the accident policy. Mm-hmm. <affirmative>, do you know like how much you get for a broken leg or chipped tooth or?
Cara Dee:
Honestly, a lot of that is arbitrary depending on the injury. Okay. Go ahead though, Matt. Alright. Give it your best shot. We gonna go. I can take you. We
Matthew Maschler:
Gonna go? Yep, sure. Alright, hold on. I wanna get your email to me. ’cause I wanted that
Cara Dee:
And I didn’t like that they took the liberty of naming someone. Steve Austin. That’s sacred
Matthew Maschler:
Because of billion, uh, violent
Cara Dee:
Man. The $6 billion man.
Matthew Maschler:
Yeah, I know. I thought that was weird as well. Now his
Cara Dee:
Toe is $6 million
Matthew Maschler:
Now he’s a $6 billion. Man. <laugh>. Yeah. I think I get, I get confused between the bionic man and
Cara Dee:
Well, that’s exactly right.
Matthew Maschler:
Stone fault.
Cara Dee:
Steve Austin. It’s like you don’t put chocolate on a twine, you’ll leave it alone. You don’t guild the
Matthew Maschler:
Lily. That’s a crocodile <laugh>.
Cara Dee:
Is it really?
Matthew Maschler:
Isn’t it a crocodile?
Cara Dee:
You know, I think we’d be much better just doing this.
Matthew Maschler:
A food base.
Cara Dee:
No, just, well, we both live to eat
Matthew Maschler:
<laugh>. Just, just, just, just <laugh>. Just uh, just
Cara Dee:
Okay. Chat. So
Matthew Maschler:
Just to chat. Ready.
Speaker 7:
The future looks bright and the storms pass by the sky’s dark blue. When it’s almost that time. Light shows cameras flash when I pass living in the moment, forget about the past. They save the best for last Matthew mania. We about to make a splash. Life is a marathon full of sharp turns, gotta keep pace while the hands on the pop turns five star real estate. I run a show, you could tell the bus center plate electricity, energy if vibrate. I’m always on time. Even if I’m late, I make dreams come true. Living my life. Hope the same for you. My sights got a real clear view. If you don’t know the time, I give you a clue.
Speaker 8:
You know, it’s on, you know, it’s on, you know, what’s it, you know, it’s on. You know, it’s, you know what, you know, it’s on. You know, it’s on. You know, it’s, it, you know, it’s, it’s, you know, it’s, it, it,
Speaker 7:
You know what time, you know what time, you know what time. You know what time it’s, you know whose time it’s, you know what time? It’s Matthew Mania. The Thomas says. Yeah. Got him shook, scared. Can’t look. We’re not afraid of the big bad wolf first comes to Right.