Our local insurance expert and guiding light for premium information Pete Raimondi joins Nestor on the Maryland Crab Cake Tour at Kooper’s North for a primer on policy review and being more educated about your insurance so you know the protection you need and who to call when things go wrong in real life.
Nestor Aparicio and Pete Raimondi discuss the importance of insurance, emphasizing the need for adequate coverage. Nestor shares personal experiences, such as a $15,000 flood repair without insurance, highlighting the financial risks. Pete advises against minimal coverage, especially for young drivers, and stresses the importance of regular policy reviews. He also highlights the benefits of local agents who provide personalized service, including house calls. Pete underscores the necessity of maintaining property to prevent minor issues from becoming major expenses. They also touch on the challenges of buying insurance online and the value of having a trusted agent.
SUMMARY KEYWORDS
Insurance review, policy coverage, personal insurance, liability protection, uninsured motorist, underinsured motorist, insurance agent, risk assessment, home maintenance, emergency response, insurance claims, financial planning, insurance policies, insurance needs, insurance advice.
SPEAKERS
Nestor Aparicio, Pete Raimondi, Speaker 1
8
Nestor Aparicio 00:00
Welcome home. We are W, N, S T, am 1570 towns of Baltimore. We are no longer in the studio. We’re out here at Cooper’s north. I am going to get the seafood Club today, because Terry Beck’s going to make me do that. All of this is brought to you by our friends at the Maryland lottery at the Back to the Future. Scratch offs were giving away. Here. We got new ads playing at am 1570 and all that good stuff going on, doing a turn for LLS and Leukemia Lymphoma Society here at Coopers north. We’re going to be at Cocos pub on the 30th next week. We’re gonna have Senator Cory McRae with us. We’re gonna have Howard perlo with us, as well as Jamie Costello, former w ma are superstar is gonna Costello is all about it. And on the seventh of May, will be at red brick station, my old stomping grounds of White Marsh. Now here they have beer there. Blueberry they got beer here as well. We were at Cooper’s North this guy here is has been my insurance guy here the last the last year, and he comes on and visits last time we got together, it was a cost. Every time I bring an insurance guy on. You don’t do fear tactics, Pete, but things go wrong. And I’m going to give a perfect example of things that can go wrong, where I needed insurance, right here, about an hour ago, came out of set everything up, and I forgot a cord, and at that moment, you would do anything to be able to get that cord. Did not have to get in the car and run home and get it and all that. And it reminded me, and I saw the captain chaos commercial guy that, you know, you always talk about these big houses of insurance. You get personal insurance and thinking, this is, you know, you never know when chaos is going to happen and something’s going to go wrong, and that’s the business that you’re in. Pete, pretty much fixing things. Peter Mundy is my friend. He sells insurance up in Harford County, but really all over the area. And I offered you a chance to come down to the beautiful Bucha like Timonium, Cockeysville. I know you have some clients down here as well. What do people know? Need know about insurance start at the top here on First off, do you have if you’re driving in your car right now? I hope you have it. I saw somebody driving here a minute ago who was changing lanes, and I thought that woman hits me. I hope she’s got insurance, but I better hope that I have insurance. That’s the most important thing, right? When you see his knuckle edge driving, right?
Pete Raimondi 02:08
Yeah, yeah, the general rule of thumb is, never outrun your coverage, right? Never out. Never not have enough of a large enough parachute that if the unspeakable happens, somebody else gets to write the check instead of you
Nestor Aparicio 02:27
well, and you talk to people about this every day. I mean, and insurance is ubiquitous. We all medical insurance. I mean, the biggest expenses a lot of people have. My wife’s diabetic medical insurance is the one of the number one things that keeps her mind moving at night, about diabetes, about her leukemia, about like she’s going to a doctor tonight, for, PT, right, having insurance for that. Understand that having a dental, having insurance for your for for housing, cars, all of these things. When you at the end of the year, add up how much money you’re going to spend, it’s going to be a real number. It’s going to be a real percentage, and then you say, Well, what did I really buy? What did I really buy? If you’re buying from any of the do we cheat them in house that are advertising the football games and whatnot, you’re getting an 800 number. You’re going online to buy insurance. That’s always your thing is, don’t, don’t fill out a form online and think that you got the insurance you need, because you never get the insurance you need that way. Well, typically
Pete Raimondi 03:26
8no, because it’s more of a process than simply calling an 800 number, answering a half a dozen questions and and buying a policy and believing or assuming that that policy covers every possible scenario that may rear its ugly head, and sometimes it’s an error of a mission. Agents don’t ask questions, brokers don’t ask questions, and customers don’t know what to ask. Well, I had that
Nestor Aparicio 04:00
problem in my house in White Marsh. I think I told you, 22 years ago I had a flood with Isabel, sure, and it was in my basement. Some pump failed. I don’t have insurance for that cost me 15 grand. I mean, that was my life lesson in 2003 for a guy like you, when we say, Hey, we’re going to come on and talk on the air about insurance, sounds boring and all that, till you get screwed, till something what really goes wrong? And everybody knows. I mean, you’re in the insurance business. You see it every single day. I’ve had lawyers come in and talk about fight with the insurance company. But you know, they’re not going to pay me what they’re paying me. Somebody hit me in my car, all of that. But as a young person from Dundalk who was broke, I remember the first time I had to get auto insurance. It was outrageous. I’m 16 years old. What kind of car you have? You’re driving a red Corvette, Little Red Corvette. You don’t want a little red Corvette. You’re buying insurance, right? But it was sort of like, just get me on the road, man, give me bare minimum. Give me just get me enough. How much insurance I need. What’s the minimum? Just give me the least amount I can have. I know you are vehemently. Against that sort of thought. But sometimes people feel like that’s all they can afford, but they need to talk to somebody about this, because you can paint the scenario. Was saying this, this can go wrong, and this can wipe you out. And nobody wants that. Yeah. Well, it’s nothing
Pete Raimondi 05:12
vehemently against it. It’s every situation is different. Every particular situation is different for that young, 17 year old kid that’s just getting started first part time job. Doesn’t own any assets, doesn’t own a home, he’s not married, he doesn’t have dependents, he’s got his part time job at the Royal Farm Store, and he’s a student, just needs wheels and and, and in that particular scenario, for somebody is just getting started, it’s like building credit. It makes sense for someone that is maybe 16 or 17 years old, that when they buy that first car, they pay cash for it, so there’s no lien holder and no requirement to buy physical damage coverage on the vehicle to protect a bank or a lender they own the car outright. This
Nestor Aparicio 06:08
is good advice, right? So, what people like to have kids? I don’t know what it costs mature kid these days, but I My goodness, right? So, so,
8Pete Raimondi 06:15
so, for So, for a 17 year old to own a vehicle outright, all that they are required to have in order to be in legal compliance, is the state’s required minimum amounts of liability, which are incredibly low. They provide very, very low limits of protection in the event you cause an at fault accident, and you get sued as a 17 year old. The reality is, is that most 17 year olds don’t have any assets. Most personal injury attorneys aren’t going to chase after 16.
Nestor Aparicio 06:55
So that lunatic that was driving it almost killed me a minute ago in 695 who’s checking her phone. If she’s 17 and she hits me, I need Pete. I need insurance on my side, right? Not thinking I’m going after her, right? Literally,
Pete Raimondi 07:09
what you need to do is to make sure that in the event she’s uninsured or grossly under insured, because for that 17 year old, $20,000 of liability protection is all the money in the world. But for a guy that’s an entrepreneur that owns his own business, that has a mortgage, has two cars in the driveway, kids in school, $20,000 probably doesn’t cover his monthly expenses by the time he’s done paying his mortgage, short time he’s paying for his kids private tuition, by the time he’s done paying all of his monthly living expenses, 20,000 is nothing. So that’s when it becomes incumbent to protect yourself and how you protect yourself against finding yourself in that situation where you’ve suffered injuries or property damage by someone who was under insured or not insured at all, is to make sure that you Have enough under insured and uninsured motorist protection on your existing automobile policies in the event your insurance company has to step forward and become primary in order to protect your interest, because that 17 year old kid that has a $20,000 minimum liability policy issued by the Maryland Automobile Insurance Fund. That’s the biggest check that they’re going to write, and they’re going to write that check probably on day one, and then they’re going to be done with the claim, and they’re going to close it, and then it’s going to be up to you and your counsel, or whoever it is my Nestor, I’m out of work all protecting your interest to go chase after this 17 year old kid and all the assets to his name. You know is that 1984 Chevy loom, and I was 350,000 miles on. It rustles the defenders. That’s That’s your recovery, unless you’ve done adequate planning, and that when someone sat down with you and reviewed your automobile insurance, they made sure not only did they have enough to protect you and your family in the event that you’re named as being legally liable for injuring somebody. But if just the reverse happens, if somebody, through no fault of your own, injures you and you find out that they’re not as organized as you are, they’re not as prepared as you are, they’re not concerned about the things that may concern you or I so. That’s when it’s that’s when it becomes important, like I said, to make sure that you have a big enough parachute on your back that in the event you need to pull the rip cord, there’s enough coverage and enough protection there to make you whole again. And whole again is different for everyone you know, someone that, like I said, that has three or four kids in private school that has student loans that for graduate school, for medical school, you know, you know, they could very easily have a $25,000 month, you know, not right, sure, I mean, to cover their cover their living expenses. And you know, $20,000 is nothing in terms of liability protection. For some people, it makes sense, because that’s what they need in order to be legally compliant, and their station in life doesn’t demand that they buy a larger home, sure by larger protection, because there’s nothing there to protect Well, you don’t
Nestor Aparicio 11:02
8over insure people either. Paper Mondays here, we’re at Cooper’s north, doing the Maryland crab cake tour, talking about it George. Twice a year, we try to get together. It’s like brushing our teeth and making sure you use the word that insurance people use, and you just threw it in the middle of your whole soliloquy there. It’s get a review. What you have, right? I mean that. I think if there’s any lesson to be learned. It’s everybody listening out to everybody in the viewing area. Everybody sees the ad on online. You have insurance. What do you have? And are you confident that if something catastrophic happened, that you would at least know what you’re liable for? Right? You would at least understand your insurance. And I told you, I’m the village idiot. I need a person like you to explain it to me. I would not feel comfortable clicking online and just buying insurance online. I don’t think I would sleep well at night doing it
Pete Raimondi 11:50
that way. Yeah, well, it’s really not that complicated. It’s truly not it’s just a matter of, really, of having an agent that will sit down with you, spend the time answer questions that you have and will develop the risk, you may not know what risk that you might potentially face unless an experienced agent who’s been there before asks the proper questions, asks the right questions. You know, you know, sometimes we feel like we’re being a little bit invasive when, when sitting with homeowners and, you know, and asking questions, anytime
Nestor Aparicio 12:33
I sit down and think about serious stuff, it’s what if I die, we all have to think about that, right? Like, literally, that’s who the beneficiaries. Anytime you walk in, what do you mean? I’m gonna die? I’m gonna die. My wife, fine, you know, let’s see. But it’s a little uncomfortable. I mean, all these kind of conversations. I mean, I talked to Leonard Raskin, my money guy, about money. And it’s like, you go into families. You’re talking about money, death insurance, things, planning for things that can go wrong. A lot of people like, Ah, it’s life. I don’t, you know, I don’t want to plan did. This is important, you know? Because, as I pointed out with my cable, things go wrong. Man, we all make mistakes. Things, the accidents happen, as they say, right, literally,
Pete Raimondi 13:11
right, right. Well, you know, and it’s one of those things unfortunately, that they don’t do as good a job as they possibly could in school.
8Nestor Aparicio 13:23
Oh, teaching people how important this is, right?
Pete Raimondi 13:25
And just, just in terms of, you know, giving teenagers a little bit of education that can really go along. Well, they
Nestor Aparicio 13:35
get it when they’re 16, when they need auto insurance, that’s when I got it. I got is, like, I want to drive. I want to drive, like smoking a bandit, insurance? What’s I ain’t gonna get insurance? Yes, you will. You have to have insurance, you know. But when you’re little Johnny, you know, this is part of having wheels and wanting to be independent, and all that is the grown up part of and I’m 56 and I like to think I’m growing up about insurance, but I don’t know as much as you, right? And how important it is. And you’ve seen it really trash people, right? You’ve seen real well, and you save people’s asses as well. I’m sure you
Pete Raimondi 14:08
8have, right? Yeah, well, I sell something for the most part, that people need,
Nestor Aparicio 14:16
but don’t think they want, or think about
Pete Raimondi 14:19
it’s not sexy at all. It’s not sexy. There’s nothing about it. You don’t even get
Nestor Aparicio 14:23
like a pin. You don’t get a badge. It’s like the Orioles, they give you some swag once,
8Pete Raimondi 14:30
correct? We we sell something that people truly need because it provides a real, tangible financial benefit than making you whole again, making your family whole again. So nobody
Nestor Aparicio 14:46
thinks about insurance, so they need it, but, but
Pete Raimondi 14:48
again, it’s, it’s one of those things that is so com. It has been turned into such a commodity. It’s, you know, it’s like going to buy a. A 20 ounce bottle of soda from the convenience store. Click and drag right, yeah, and I’ve got insurance. I’ve got insurance. And then the
Nestor Aparicio 15:08
8minute something happens, you get on an 800 call in the middle of the night. You know, I had liberty, pure solutions. My Water people shout out to Doug, and we had our water heater went completely at 520 in the morning. Like, yeah, I went down. This is about six weeks ago. Talk about you and water and insurance for that. Thank you for that, but I’m up to my knees. First thing I do, I call liberty, the emergency call, really, at five in the morning. They took my call. I had somebody at the house. At seven in the morning, I was bailing water out. You would have been the next call. Or if I had to have removal, it didn’t get in the walls. Nothing weird happened. But, man, that’s that moment where the ish hits the fan. Yeah, and you don’t want to be on hold with Geico. You just don’t, you don’t you want to have somebody like Pete. You want to have somebody local period?
Pete Raimondi 15:50
Yeah, I don’t think you want to be on hold with anyone. You want, you want, you want to know that the problem is going to be resolved. That’s, that’s that, that’s, that’s the biggest moment of truth in our business, is that, you know, we had that conversation five years ago about making sure that you had adequate protection in place in case something happens. You know, we’ve reviewed it once or twice a year for the last five years. And you know, we always end with, I’ll see you next year, right? You know? Well, you know, sometimes before next year comes these kinds of moments,
Nestor Aparicio 16:25
if you haven’t talked to your insurance person the last year, you should get on it, right? That, if nothing else, if this segment, don’t teach anybody that that’s really the issue. Yeah, you should poke. We’re just poking people,
Pete Raimondi 16:35
sure, yeah, you should probably have their business cards somewhere tucked in the back your wallet, so at two o’clock in the morning, if something happens, you’ve got somebody to call, all right, people
8Nestor Aparicio 16:46
want to reach out to Pete, he will take your call. Everybody, your whole low down on tell everybody the kind of insurance make sure we do it all complicit and compliant and all that stuff. But how do people find you, and how do you typically deal with a little zoom call like in these days.
Pete Raimondi 17:02
Well, you know, one of the things that makes us a whole lot different than really any of our competition, is that we’re probably one of the few agencies that still make house calls. Okay,
Nestor Aparicio 17:19
you will sit with people. I
Pete Raimondi 17:20
8don’t want to. I don’t want your business unless I can right. I truly don’t. I’m not going to understand the risk unless we invest a little bit of time, because the end of the day, I’ve got a fiduciary duty to do this correctly and to do it right for you. So in the event something happens to our nose. You don’t
Nestor Aparicio 17:41
want to say to somebody in their hour of need, we didn’t get you enough. We didn’t do enough. We, you know, you checked the wrong box. Last year we got together. You didn’t like me with the basement when I flooded, it’s like you have a sump pump. The box would have been Yes. Did it have a battery backup? That the back box would have been no. And then I flooded, right? So like, knowing that little piece of the insurance puzzle 22 years ago when Isabel wiped me out, and White Marsh would have been helpful, right? And you don’t want to be, I know you. You don’t want to be that guy like when you sit with them. You don’t want to think that you made a mistake or didn’t ask them something in the beginning. Because that’s why the sit down is so important, right? That’s why the refuse important
Pete Raimondi 18:21
Absolutely. Because we, I assume, for doing this 30 plus years, one thing’s become apparent to me are that I have a license for a reason, and my customers don’t for a reason. They don’t ever my customers sometimes don’t know what questions to ask.
Nestor Aparicio 18:42
I wouldn’t that’s true. They
8Pete Raimondi 18:45
all they want to know is, am I covered? Am I covered? Peter, my covered? Yes, you are. Let me explain your coverage, right? Because there’s a couple of things that you’re not covered for, and I want to make sure you’re aware of them up front. Here’s the exposure. So if that situation should rear its ugly head and you want to rethink what we’ve talked about today and potentially add this coverage, here’s what it looks like, right? And that’s a conversation that I’ll revisit with clients once a year, because I know that before I conduct that review, I know what they have. I’ve reviewed their policies in advance. I look at my notes from last year. I look I’ve already been out to visit the house. I have photographs of the house. I know the condition of the property, and if there, in my opinion, is a coverage, you know where they are in, say, a high risk flood area, sure, and they have opted out of extent Eries, extended water coverage. I may very well want to readdress that with them. I. But ultimately, at the end of the day, it’s going to be your choice. Well, you just want them to have the right cause. Never my job to spend your money, but it is my job, and it is my duty as your agent to make sure that you have made the decision with complete informed consent, that everything that I know about this policy, you know about this policy,
Nestor Aparicio 20:22
and also you have options too, right? I mean, there’s different that that’s something unique about I think what you do, Pete, right? People come to you. You can, you shop, right? Literally, absolutely.
Pete Raimondi 20:30
I mean, you know, we can tailor, we can tailor coverage for just about any particular situation. We can underwrite for just about any particular situation.
Nestor Aparicio 20:45
8If you have a special trinket ring this you want to ensure, like in case of fire, in case of theft, and any of that kind of thing,
Pete Raimondi 20:53
right? Yeah, and that’s, and that’s pretty personal property, and that’s pretty standard in our business, but, but it but again, back to the original premise that agents don’t ask questions and customers don’t ask questions. Customers or clients or insurance assume that their wife’s jewelry is covered, that all their jewelry is covered, that their Rolex watch is covered, right? That their Piaget watch is covered. I
Nestor Aparicio 21:23
assume my sump pump was only, you know, I didn’t know. What the hell do I know? I didn’t know I had a sump pump, right? So, like, Yeah, well, I’m not technical, like that. Pete, yeah. I mean, I need somebody to come in and say, well, for you, what is the number one thing you see, when people have problems with you, when you look through other people’s insurance, you’re like, This is okay, but this is the Where’s a tender point in that here’s
Pete Raimondi 21:49
where, here’s the tender point. That’s a That’s a great question. That really is, what is the number one
8Nestor Aparicio 21:58
will be your number one piece of advice at this point or something that could be wrong on your own policy right now, take
Pete Raimondi 22:03
care of your property. Take care of your home, maintain your home, take good care of it, and it’ll take good care of you. If you do that, you don’t allow the minor expenses to become major expenses. Sure have your heating and cooling system serves twice a year. I’m not talking about one of these Fly By Night companies that comes out and does a curbside inspection, talking about, you know, somebody that comes out from a reputable heating and cooling company, you know, that takes the compressor part outside, that deep cleans the coil, checks all the connections, lubricates all the relays. You know, you get value for your $200 that you spend on that heat pump or that, you know, outdoor air conditioning condenser, if you’re getting value for your money and you’re protecting your 10 or $12,000 investment. So it doesn’t, you know, end up going on the blink when it’s 110 degrees outside. I mean, you know, I’ve talked to people all the time in the heating and air conditioning business, you know, and it tells all the time. I wish folks would take care of this, because we find
Nestor Aparicio 23:15
things so dirty right now be like brushing your teeth and going to dentistry, like, when’s last name brought eight months ago. We’ll look at you. I can’t fix that now, or it’s gonna. It would be harder to fix. But in the insurance space for you, by the way, give your phone numbers. Tell me how to find you get give me the load beaver Mondays here. We’re out of here at Cooper’s north. He’s, uh, he’s always on the scene here, helping us out with some insurance advice. It’s springtime around here right now. Oh, you want me to give the phone there you go. All right, what do you want? You want to give the salary office that can reach me directly. You can give your cell phone number out on here, 410-698-5891, he’s with Wessel. Insurance Services with Erie. They’re located up in Jarrettsville, Harford County, but really service the whole area. You, you actually showed me a picture thing of a client you had up here in the Cockeysville area, right? So you you work with people all over the area, right?
Pete Raimondi 24:05
8I’ve driven as far as Harrisburg, Pennsylvania, Philadelphia, no, right? All montgomery county, all Carroll County, all Harford County, all Baltimore County. Like I said, we’re one of the few old school agencies that still puts eyes on our risks. We How long you been doing this? I’ve been doing this since March of 1988 longer now, been doing radio. No
Nestor Aparicio 24:30
wonder you’re good at it. You know, get beat a call. He is at 410-698-5891, he’s with Erie Insurance and Wesley insurance services. They’re based up in the in the Jarrettsville, Bel Air Harf County area, but he’s made his way down here to Coopers north. For you any are there any new discoveries in insurance? Is there any product that comes along that shocks you from time to time when you see things? Is it an industry that’s so made already? That nothing new ever happens in it. No, well, you feel like you’ve seen everything.
Pete Raimondi 25:09
I wouldn’t say that I’ve seen I mean, I’ve seen just about every type of risk. I mean, I’ve seen everything from house fires to floods to houses natural gas explosions were literally, you know, in Harford County, you know, we had a, we had a home explode. You can’t, you can’t plan for that. Yeah, there’s nothing left bigger than a book of matches. But it, this is still really an old school business that used to be very personalized.
Speaker 1 25:47
Everybody had an insurance guy, yeah, it used to be very,
8Pete Raimondi 25:52
very personalized. And most people, the internet changed that well it did with everything it, you know, it turned, it turned certain financial services more or less into, like, you know, a commodity, like banking, online, buying a savings bond, you know, except they don’t even print a savings bond anymore. Remember your grandmother used to give you John Kennedy on it sometimes, yeah, exactly. They don’t even print those anymore. You get, you got a, you got a piece of paper from the Treasury Department, like an email. If
Nestor Aparicio 26:27
I go to, if Zeppelin got back together, I wouldn’t have a ticket stall. But you know what I mean? So, I mean, that would suck, you know, yeah, I am old school, yeah. But there is a point where insurance is, you know, onerous, right? I mean, it’s just a lot of small print. And in the old days, you would have a yellow and a red and a pink, right? We would do the carbon copy and all. But, I mean, it is something where reading the fine print on anything we do, whether it’s you get download an app, you know, you opt into a new website, cookies. Everybody got cookies. Am I gonna deny cookies? And all that insurance to me, is hand to hand combat. It’s not something I would want to go and click online. If I didn’t have a human I wouldn’t want to do
Pete Raimondi 27:07
it. Yeah, yeah, because it would scare the hell out of because
Nestor Aparicio 27:09
8I don’t know what I’m doing.
Pete Raimondi 27:10
Well, it’s important also, I think, to have a solid relationship with your agent that is part of your community and is maybe somebody that you know or somebody that somebody knows? Sure, because there will come a time when, when that agent can really be your best advocate. Oh,
Nestor Aparicio 27:35
I don’t think there’s any question. I don’t want an 800 number and have a claim. That’s my point. When I had that flood a couple weeks ago, I’m glad I had people local people. You know, I call Liberty pure. Thank you, Doug, to come and literally bail me out. You would have been the next fall if I had, you know, real damage there. But and no bad time to do this, right? And, you know, anytime just you need an hour, right? You just need a little bit of time with people,
Pete Raimondi 27:57
right? Yeah, yeah. It’s just, we’re not ever in a hurry. We, as agents, we are never in a hurry to solicit your business. Never right. We would love to have your business, and we want to write it correctly, and we want to do it correctly for you, for the homeowner, we want to make sure that you have everything that you paid for. We will make sure that you understand the policy. If there’s coverage that you don’t have, we want to make sure that you’re aware of that, and our duty is to contact you at least once a year to remind you.
8Nestor Aparicio 28:33
Well, I would say this, after I meet with insurance person, I go to bed that night. I write you. I sleep better. Just it sucks, talking about it. It it really does, like doing wills, like doing this, any of that kind it sucks talking about it, but then after you do it, you feel like, monkeys off my back, pianos off the back, right? Literally, yeah,
Pete Raimondi 28:49
yeah, yeah. It’s insurance. Is typically always, and has always been the least expensive way to make somebody whole again. There’s no other investment. There’s no other financial tool that you can use that has the economy of scale that insurance does to take somebody that’s lost everything and return them back to pre loss condition, not another product. What’s the
Nestor Aparicio 29:20
business you’re in? So that’s good. Can we get any insurance on the Orioles pitching? Is that or is that? Is that ship sale? You’re wearing your Oriole crab hat here. I know you were a big fan. You are. Yeah? You suffering? Oh,
Pete Raimondi 29:33
8very Yeah. Painfully, painfully, painful. Yeah.
Nestor Aparicio 29:37
I wrote my letter to Katie Griggs this week about my press credential, just about what how sad and disappointed I am that I’ve been treated like garbage a but that I waited for these new people for 19 you know, I mean, like I did the walkout in 2006 been 19 years since I pissed off Peter and he had lost for a decade. Then they were in their ninth year of. Losing when I did the walkout. So like, I go all these years later, and I’m like, I waited for you people, and I said to my wife, I bought the fools gold last May. We did really good. I remember being at at Planet Fitness with my wife. We’re leaving. We got in a car, I’m all sweaty, put the radio on, the game was on. And she’s like, why are you listening to game? You usually listen to music or your own station, or this or that. I’m like, Jen, this is the best team they’ve ever had. You don’t understand they haven’t had pitching like Rodriguez and Brad ish and Corbin freaking burns. And look at these bats. Holidays gonna come up. He’s gonna hit 300 look at that was last May. And now I’m sitting here, and it’s like, it’s like capturing sand, you know what I mean, in the surf, it’s just really hard to do. And I think the part for me is this new ownership was has promised he made his own bobble head last week. Anything that happens after that’s a punch line. If your first move is owning the team is making your own bobble head, you’re probably not doing this for the right reasons. You know what I mean? That’s how I feel about it. And I feel a year into this, I can say on the new ownership thumbs down right now for me, like just and I want that to change, and I’m monitoring that, and people are beating Elias up and to be the manager up and hide and all that. I don’t know. It’s just it’s not as good as we want it to be, yeah? And that’s the disappointing, yeah,
Pete Raimondi 31:21
I’m the farthest thing in the world from a marketing guy, advertising guy. That’s, you’re an insurance that’s, that’s just that you’re one step away from being an accountant. That’s that, right? Well, there you go. That’s actually what my undergraduate degree is in, but in it. But in any event, I’m not sure who it is that heads up marketing and promotion. Fine.
Nestor Aparicio 31:47
He’s new. He just got the job a couple weeks ago. So give a chance.
8Pete Raimondi 31:52
I don’t know. Giving away bobble heads of the new owner was smart. It seemed almost indulgent.
Nestor Aparicio 32:02
A former employee who ran such things in the organization many years ago texted me on Saturday morning. He knows of my plate, and he’s a guy that gave me a press pass one time, and knows I deserve and we were friends, you know, but he sent me notice it seems clownish to me from the outside, and this was a professional opinion of a human being that worked at the highest level in the industry for four decades. It seems they said clownish to me, and I’m like, I don’t know if he knows what he’s up against trying to win here, but I don’t think he cares, because he’s a billionaire, like I saw baci two weeks ago doing the video with his with his minions out there, saying it’s life or death for John. It’s not life or death for me, and I’m thinking, well, it’s life or death for the auras, for Pete and for Clancy and for me and for people that have been suffering all this time, 42 years. You know, it is life or death for a lot of fans, they feel that way. They give their good money. I just, I want it to be better. That’s all. I want to be better than it ever could have been under Peter. And I’m not sure that these people know what they’re doing. That’s That’s part of the issue for me. I’m not sure that they know what they’re doing. Yeah,
Pete Raimondi 33:03
I don’t know enough about the inner workings, obviously, of the organization and front office and whatnot. Mr. Rubenstein seems to be, you know, he seems to be a, you know, a very genuinely decent man. I mean, he’s certainly given a lot to charity. I mean, he seems like a decent guy to me. That’s that’s approachable. You would just kind of hope that he’s getting the correct and the right advice from those that are making those decisions
Nestor Aparicio 33:36
8right because that’s why I wrote to her. I wrote to Katie Griggs because she is. She’s employee number one. She’s at the top of the food chain, right? So, like, and she’s from Seattle, what could she possibly know? I mean, I can’t imagine me going to Seattle and trying to run their baseball team, and I’ve spent a little time in Seattle, but like, it’s, it’s daunting. It is. It’s a big job,
Pete Raimondi 33:57
and I happen to listen on radio. Coming down, I overheard part of your conversation regarding the Star Wars commercials. Oh, that have been airing. And yeah, they seem like something that was shot like in a high school, yeah, AV lab.
Nestor Aparicio 34:21
I almost called it Wayne’s World, but I think that’s unfair to Wayne. Yeah, it’s certainly not far their mother upstairs in the
Pete Raimondi 34:27
kitchen. I mean, it’s something we’re proud of. I would just think that with all of the media resources. I mean, I remember the work that David modelli used to do when, you know, when he was, you know, the head of the video promotion board at M and T banks. Don’t be sure. I mean, I used to get excited just to go and watch the pre game shows, what David Modell would put up on, you know, the large Jumbotron. I would like to think. The Orioles are key. Well, that’s why this squirt thing is weird to me. Something similar to that all
8Nestor Aparicio 35:05
the years the shell game was bigger. They got the hot dog races. Now they get, you know, the mustard catcher. Bros, how about if we just get the team? People to get really into the team and keep score and like, like baseball. I want people to love baseball. I share my love of baseball every day. People. Monday loves baseball. He’s wearing his nice hat there. Bird crab hat. He’s got going on. You’re making me want to get to seafood club. Is what I’m going to do. We’re out here. Cooper’s north. I’m giving out the Back to the Future scratch us. You get one. I feel like Oprah. You get number 88 for Renee Gonzalez there. And if you need to get in touch with Pete, if you just need good insurance advice, you need a guy or a gal, Wessel, insurance, auto, property, life, commercial. You can find them at Wes insurance.com you can email Pete Pete at Wes rhymes with Nest insurance.com or you can give a call, 443, well, 443499, 2100, to the office, but you can get him on his cell, because he’s my pal. 410-698-5891, he’s with Wessel Insurance Services and Erie Insurance. They’re up in Jarrettsville, if you’ve driven by up there. But he gets all over the place, including down here, and we got draft this week. We get the Orioles in the doldrums a little bit. It’s springtime. Tulips are blooming. We’re gonna have the horse races in a couple of weeks. Thanks for coming out and sharing your little bit of fear, a little bit of nightmare, a little bit of hope. We talked about the Orioles. But the most important thing is, this is big boy work, doing insurance, right? Absolutely. Just get somebody that knows as much as this guy knows somebody’s gonna sit with you. Hold your hand a little bit so if anything goes wrong, you don’t get screwed. And he also looks real nice on my website. Pete does when he’s out there. All right, I am Nestor. We are W, N, S, D. Am 1570 Towson, Baltimore, I’m getting you ever had the gumbo? Here? You like gumbo? Somebody gave me it’s 78 degrees too hot out the gumbo. Yeah, it’s probably never too hot to eat. Go not a Cooper’s north. Back for more. We are Baltimore positive. Stay with us. You.
