Making sense of your insurance before the New Year

Talking about insurance is boring – until you need it and have the wrong coverage or a horrible deductible. Our Harford County insurance man on the streets Pete Raimondi from Erie Insurance brings Nestor some holiday reminders and wisdom on the Maryland Crab Cake Tour about having the right coverage, which is paramount for you and your family or business.

SUMMARY KEYWORDS

holiday reminders, insurance coverage, Erie Insurance, guaranteed replacement, uninsured motorist, insurance agent, policy review, deductibles, personal property, sports memorabilia, flood damage, medical bills, insurance claims, insurance protection, insurance policy

SPEAKERS

Nestor Aparicio, Pete Raimondi

Nestor Aparicio  00:00

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Welcome home. We are W, N, S, T, am 15 70,000 Baltimore, Baltimore, positive. We are positively no longer in the studio. We are here for the very first time, broadcasting from the bar at Costas. We were in Dundalk. It’s all brought to you by friends at the Maryland lottery. Got some Raven scratchers. They gave me a handful with Seth came over to amicis, and he gave me these awesome little holidays. I don’t have a lot of them left, but the holiday luck doublers. If the Causey family shows up, I’m gonna give him one of these Calvin stadiums here. He’s gonna be talking about the Dundalk life. We’re gonna have Todd Schuler a little later on, my lawyer, buddy from Essex, as well as Rock and Roll Hall of Famer Gina shock, she’s coming to join me at the bar. That’s going to be holiday trouble a little later on. We had a great, great day to meet. She’s lots of great guests, all the brought to you by friends at Jiffy Lube, multi care as well. Pittsburgh week, Christmas week. Houston, around friends in, people coming in the right at the front door at Costa said poor Pete ramundi Here, one of our sponsors from Mary insurance up in Harford counties, you’ve had to endure my dundalkness, right? Like people come in the door, hey, Nash. Ain’t ass family, friends. I had old and I had another insurance friend come by here earlier. How are you? Man, I appreciate the sponsorship. You have not visited, but I wanted to do like, sort of an insurance end of the year thing with you. And letter Raskin, of course, handles my money and at our financial body. He is so the things you spend money on and the things that save you when things go wrong, like the mayhem commercial and all that stuff we see, you’ve been doing insurance a long time. You reached me a couple months ago and said, Hey, educate our audience a little bit, and you and I did a couple phone calls about insurance. What do you do tell buddy, but your background, because he’s a big time listener. You’ve been listening to W N, S T for a long, long time,

Pete Raimondi  01:46

very simply Ness, what I do is I, I provide insurance protection for families. We insure their homes, their autos, their lives.

Nestor Aparicio  02:00

Insurance is not exciting though. No, it. It

Pete Raimondi  02:03

only becomes exciting when you don’t know what you have,

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Nestor Aparicio  02:08

when something occurs. Oh, there’s no, you don’t have a person that you can call, right? Then

Pete Raimondi  02:11

the excitement begins, and then the anxiety follows. Well, and I

Nestor Aparicio  02:16

think that we’ve all seen enough advertising in the legal space and in the insurance space to say that, and I saw some jack wagon on 695 you know, like you’re always a moment away. And all the commercials sort of speak to that. And then it’s what happens that moment. It happens, do I have the right insurance, the wrong insurance? I know you and I talked about my business insurance at one point. You know, I wasn’t in control of it. Somebody else was doing it. And when I my wife got sick, I realized, like, oh, they had everything in favor of my employees not protecting me as the business owner, right? Because I didn’t. I’m like, I don’t want to get in those meetings. Yeah, I got sports to do, and sales to do, and people like all of that. But whether you own a business, if you you’re alone and you’re a single person in a single household, there’s going to come a point where you’re going to need it, right? I mean, my wife, obviously, with her health issues and stuff like that, but I can’t think about it. Many times I’ve reached for insurance or thought about insurance, but you don’t think about it. At the end of the year, families get together and get to talking a little bit, and Leonard and I talked about that this week. This is a time at the end of the year, we all sort of assess where we are, and maybe your insurance runs April to April or whatever, but end of the year to do a little like fitness checkup right on your insurance, make sure you got the right stuff right absolutely.

Pete Raimondi  03:32

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And probably the most important aspect of that is the fact that you have an agent, and you sit down with them at least once every two years, to review your policies, to make sure that if the unspeakable happens, you have protection against it. And in many cases, what I have experienced at least over the last 25 or 30 years of doing this business is that it has become pretty much it’s been turned into a commodity. People don’t buy insurance anymore for protection. They buy it based on the price, and they buy it on price, without understanding what kind of coverage they have, and what kind of perils they’re protected against, they’ll use deductibles. A terrible word, right? Don’t throw out this nefarious terms like, I have full coverage. What does that mean? Does that mean, if you injure somebody, they sue you for a half a million dollars, that your insurance carrier is going to stand behind you and defend you against that judgment, and if, in fact, the court does award a judgment against you, is your insurance company do? Did they provide you with enough coverage? Or is that person’s attorney going to come after you personally once the. Insurance is exhausted. What I find many times in speaking with potential clients or prospects is that just about everyone can say, I have insurance, but what their first dollar costs are, what their deductibles are, what their co insurance is, and what perils they’re protected against. Sometimes it’s just non existent people assume, because that’s what insurance is supposed to do. It’s supposed to provide protection and pay for those expenses. But if you

Nestor Aparicio  05:34

haven’t sat and talked with someone like you about it, I mean, Steve shot he always says 10,000 hours and like, you haven’t put enough time into doing this to be expert at it, right? And I use him that any, any self help person would tell you that, any business person would tell you that the insurance part, it changes. It’s like, it’s like taxes, you know, if you’re not in on it, you need a guy or a girl. You need a person. You need. You need a very competent person who deals in it every day. And I find that when I talk to whether it’s Leonard Raskin about this, or even whether it’s about Wendy Braun found about cannabis, or whether it’s Pete trianti Fauci about crabs, if it’s people talk to me about radio or like, when you do it, it’s all you do there, are parts of the insurance part because you’ve seen everything, especially how long you been doing insurance?

Pete Raimondi  06:24

Pete, I have been doing this since March of 1988 All right, so you’ve seen some ish, I’ve, I’ve seen, I’ve seen some things.

Nestor Aparicio  06:31

Yeah, I bet you have. Well, give me, give me a horror story that really happened, that you’re like, Oh my God, this really happened. It’s an insurance. Somebody didn’t have the right insurance. You find people get wrecked in this right so sure. I mean, you got to begin with it with sure what you’re susceptible to if I go down and T bone somebody here in front of Costas,

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Pete Raimondi  06:50

well, sure. I’ll, I’ll give you, I’ll give you an example. 30 some years ago, I had a client that was driving home from Towson to Harford County. They had gotten off on Interstate 95 on the 152

Nestor Aparicio  07:11

I’ve done that 100 times. Everybody has right driving

Pete Raimondi  07:13

the speed limit, and they were struck head on. The driver and his wife. They were struck head on by a drunk driver who was insured with the state’s minimum liability requirements. At that time, it was $20,000 per person, $40,000 per accident, and $15,000 worth of property

Nestor Aparicio  07:38

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damage. That’s not a lot of money, not a lot of not even 35 years, yeah, not even 35 years ago.

Pete Raimondi  07:43

That was that was that any money and this intoxicated driver injured three people, put three people in the hospital. One of those three people spent a year and a half in the hospital, did 10s of 1000s of dollars worth of property damage, millions of dollars in medical bills for the three folks that were injured, that were transported to shock trauma. Now, when they attempted to bring suit against the person that was at fault, they had no assets, and they had the state’s required minimum liability. So you had two operators, or you had three people that were injured by this drunk driver that, in a sense, had $40,000 of coverage to divide among the three, and none of those folks received any remuneration for any of their pain or suffering or any of their actual out of pocket expenses for home health. That is this person go to jail. They went to jail for a year, one year. They served one year, and

Nestor Aparicio  08:53

I’ve got two. I’ve been in a hospital year and a half in medical bills and medical bills. It can’t work all of that, right?

Pete Raimondi  08:59

And these folks discovered that while they did have uninsured motorist coverage, the uninsured motorist coverage that they had was recovered through subrogation to pay the medical bills. So again, you had, you had, you had multiple vehicles that were damaged with not enough insurance to pay the bill, and you had serious bodily injury with not enough insurance to provide for the well being of these individuals once they were power storage. This is the worst. That’s the worst possible scenario that you’re the breadwinner of the family, God forbid, through no fault of your own, you’ve been hospitalized. Unspeakable happens in your hospitalized and it could be a year or two or three years before you even see, potentially, the inside of a courtroom or file suit you. Who’s going to make you whole in the interim? And

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Nestor Aparicio  10:01

filing suit, who makes you whole when you sue somebody who has nothing for a million dollars nothing?

Pete Raimondi  10:06

I mean, like, yeah, the only thing, the only thing that can make you whole is your insurance. Is your insurance if you have an adequate amount of uninsured motorist coverage, and that’s where loss of work, all of that you’re having a relationship with a professional licensed agent that you know, that you can pick up the telephone, that you see him in the grocery store, lives in your neighborhood,

Nestor Aparicio  10:34

who’s going to answer the call that trash, that’s that’s the person that not one 800 Geico, I’m on hold, right? Well, yeah.

Pete Raimondi  10:42

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I mean, you know, anytime it’s just not something that I would recommend to any of my clients, it’s that important. I mean, you’re talking about protecting your assets, protecting your livelihood, your ability to go to work, your ability to earn an income, and that’s what insurance is for, whether the at fault party is providing it or you’re providing it for yourself. Words

Nestor Aparicio  11:06

of Wisdom. Pete Raimondi here from your so some everybody tell me a bit about your practice and what you do. We’ve all heard of Erie Insurance. You know, insurance can’t watch football game this week without seeing you know, all the nationwide, all of that going on State Farm, everybody’s advertising in big ways. There’s all lots of neighborhood places. What is, what is Erie? And what do you do?

Pete Raimondi  11:29

Well, I’ll tell you what Erie does, that none of our competition does. And what we do is we offer a product that is as near perfect as perfect can be. And no one else offers this product in the state of Maryland. What is that product? And that product is a guaranteed replacement cost homeowners insurance policy. If it can rain, it can flood, and if it floods, and you don’t have extended water cover on

Nestor Aparicio  12:02

that guy. It happened to me Isabel. It got me out of my it moved me downtown. My basement flooded in Isabel and White Marsh we didn’t find if we were at San Diego with the ravens, we didn’t find it for nine days. We came back basement smelled like dirty eggs. Always it was up the wall that you know. Had to get my my guy, John boswick, out to serve Pro, get all the water. It was $30,000 it’s a mess, and I ate it because it was a sump pump that failed, you know, like all that, yeah. And

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Pete Raimondi  12:32

those things were avoidable. Those things are avoidable when you have an agent that is looking out to protect your interests, and that’s what we do. We are independent agents at Wessel insurance that represents Erie Insurance Company, and we chose Erie. We chose Erie because they do something that nobody else does, and they offer, as I mentioned, a product that is as near perfect as perfect can be. We don’t disguise wind and hail deductibles. We don’t disguise co insurance. We don’t have language in our anybody.

Nestor Aparicio  13:14

I have a lawyer coming here will tell you insurance is everything you do to not pay the bill, right? I mean, that’s the American way, or the way we think of it, that we don’t want to have to fight with our insurance company about anything, especially when you’re in trauma, right? Like at that point, and that’s why you have to really sit with somebody knows what they’re doing before you get insurance, and then they need to be there when the moment happens that you need, right?

Pete Raimondi  13:36

And that’s a certain moment of truth, why it’s important to have an agent that’s going to advocate for you on your behalf. I’ve told my clients all the time, if you have a question, call me. I’m always available to you. There’s no reason for you not to call me. I

Nestor Aparicio  13:53

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just often wonder, like we do this on the radio or podcast, people listen. However many people are out there? How many people really know their insurance that, if a rocket the windshield now, is that $500 what’s my deductible on that? Right? Just little, little ish that will nickel and dime the hell out of you. I mean, I got a little nugget out of my windshield right now, and we haven’t replaced it’s, it’s no big deal. It’s really tiny. It’s, you know, like, but if we wanted to do it, what’s it going to cost? And you always think when you you call for insurance and you bang them for two grand because your roof fell apart, something that that they’re gonna get it back by charging you more the next time around, right? So you’re like, you don’t want to make a claim right, unless you have a claim right. And I think that, as I sit here, I can’t promise you that I know every deduct, you find your deductible one that who puts the fan literally, you do you say something to your insurance agent a year or two ago even then, but you don’t really know it all. And when you guys send me that book of everything that you know, all the things that can go wrong, scares the hell out of you, so sometimes you don’t even want

Pete Raimondi  14:54

to look at it. That’s exactly correct. That’s true, right? All right. I see you smiling about that. I know you get a 25 page document in the. Mail. It’s intimidating that has a declarations page on it, which tells you what the limits of your coverage.

Nestor Aparicio  15:04

Cheesecake factors too much it goes through to order. I don’t want to do that much free.

Pete Raimondi  15:10

But again, that’s why, sometimes what I find our clients don’t know what they don’t know, which is a lot. Okay, they don’t know what they don’t know.

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Nestor Aparicio  15:21

How can anybody not know a lot about insurance when you don’t you spend an hour a year with your agent, and then what’s up? Because you don’t think you don’t do this all day. Well, nobody does this all day with you. Yeah,

Pete Raimondi  15:31

and, and, you know, part of the the fiduciary duty that we owe our clients is asking the right questions and underwriting the risk and doing that at the agency level, not just simply writing an insurance policy and taking an order. And that’s what unfortunately happens in this business. In this industry, people you know will buy insurance, and they will buy it over the telephone. They’ll buy it from a customer service rep who’s not even licensed in their state. Many times these folks that are working for their call center in Utah, that’s correct, right? Yeah, of course. There it’s a boiler room with one licensed agent supervising what

Nestor Aparicio  16:17

you’re telling me right now would be the last thing in the world I would ever do to buy insurance. You know what I mean, like, but action on football every day, every day, yeah, yeah, yeah. And then when the group hits the fan, they’re mad, and they go to the internet and say, I’m mad, or, like, whatever, right? And I got a hole in my windshield, they want $1,200 for me to fix it, or whatever. Well, you bought, you bought the wrong insurance, man, you

Pete Raimondi  16:39

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know. And, the thing is, you know when, when someone such as yourself gets a hole in their windshield, I want to know about it. I want that client to call me say, hey, this happened. I would much rather pay $100 claim to fix that windshield and repair it with epoxy, if we can repair it and prevent it from cracking all the way and having to pay for an 800 or $1,500 windshield, sure. So if he knows how much wind shields cost. So if so, if a repair can be made, you know, certainly we want to know about it and and that’s why, again, having a relationship with an agent is important, because get rid of

Nestor Aparicio  17:15

your phone number here, because I make sure, make sure we’re given the right number. Because he runs ads here, but they’re from your I don’t read your ads, so I haven’t had a thing out. So this gives you an opportunity at least talk about it a little bit, because insurance is boring as hell, and that’s why we doing it over crab cake during the holidays here, to make sure people know that this is an important thing. Sure, absolutely,

Pete Raimondi  17:32

I can be reached at 410-698-5891, or by email. They can reach me at Pete, P, E, T, E, at West, W, E, S, insurance.com.

Nestor Aparicio  17:44

West insurance, Wessel insurance. He’s up in the Jarrettsville area. Lives up in the Forest Hill area. For all my Harford County should brought you out January 7. I’m gonna be at libs grill up in Bel Air on January 7. Nick’s getting together. We’re gonna have some friends up there. I ran into Joe slipka. I think he’s trying to get the county executive answer. We’re gonna be up in Harford County right after this. Our last crab cake tour stop here. So brought to you by friends at the Maryland lottery the holiday luck doubler. Pete Raimondi is my guest. Calvin state, it’s gonna come on a little later on. I got Todd Schuler here from Schuler Miller, Blondel Miller, Schuler, make sure get them all in the right order. I went to middle school and high school with Mark Miller. So and marks marked only comes on and talks baseball cards with me. Won’t talk law with me. Practices that. But Todd’s gonna come by. We’re gonna, I’m sure we’ll talk some Preakness on some holiday festivities. His wife’s a Browns fan, so we get to pick on her a little bit too. It’s good. And then Gina shock, Rock and Roll Hall of Famer from the Go Go’s is going to be here a little late. I brought my Go Go CD. Calvin stadium has stolen my 1980 and 81 holibird middle school yearbooks to talk about all the students, and as he says, His children. And he’s told me he’s gonna talk sports me and talk sports me. You’re a sports fan. You’ve been a listener a long time. How did I come to you? Or you come to me and I lift anybody wants to sponsor the show people like Pete. People like I said, Pete, meet Pete. Pete, meet Pete. Pete owns Costas admit his dad. So I you know the sponsors. What makes wnst a Baltimore positive happen? And you are the all too rare guy that reached me a couple months ago and said, Hey, I want to do some advertising with you, through Erie church, through what we do at Wessel. How do we go back doing that. And first thing I says, Well, how did you hear about me? Like, I’ve been doing this 33 years. I have, No, you said something to me when we came in here before we had a cup of soup. You’re like, I remember you at Camden Yards in 19 What was your story? I said, Hold that one for the air.

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Pete Raimondi  19:35

Yeah, no, it was, um, I remember you running around on the running around, running around, literally running around, doing interviews on the field, on the field. And I believe it was the day before the all star game. Oh, that was a derby, Home Run Derby. Yeah, exactly. I had gone. I had gone over to the convention center, if you remember, that was all,

Nestor Aparicio  19:57

yeah, my boy was nine years old. Old, and they were batting Kate. I bought a whole bunch of sweat. It was a Disney World.

Pete Raimondi  20:04

I was fortunate enough I met a guy that I’m not sure I haven’t opened the bag honest to God in probably 30 years. But I bought a bunch of prototype All Star baseball caps that were made for Camden Yards, okay, game, all right. And they finally ended up going with the all white cap with the Rubenstein

Nestor Aparicio  20:28

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wears a hat that’s very that that’s it. That’s the hat

Pete Raimondi  20:32

from, that’s the hat from the All Star logo, logo on it. And, yeah, I met a guy who was a rep that worked for one of the ball cap companies. It may have been new era, or whoever it was that was making the ball caps at that time, and bought a bunch of caps from he goes, Hey, I’ve got some other ones outside. Walked outside with them, opened up his trunk, and he had all these prototype ones. And I bought probably half a dozen of them. And, like I said, I haven’t looked at them in 30 years.

Nestor Aparicio  21:03

Yeah. I mean, we get all sorts of swag, right? Like, you know, I’m going through that too, and it’s been 31 years, man, yeah. I mean, it’s a crazy but that day, you’re talking about the Home Run Derby Day, I’ve told this story, and I don’t have any pictures, because I didn’t have a camera in my pocket or whatever, that day. But, you know, there was a picture of me and Bill Murray that Jerry Walker, who was the late great. Jerry Walker was a took a picture of me and Bill Murray at home plate. He was wearing all his cubs gear. And I knew Bill pretty decently at that time, because he and Sutcliffe were close. And that was the day Michael Jordan took BP, if you remember, the White Sox gear, and Patrick Ewing was there too. He was in Mets gear, and he was from the islands. He never hold, held the bat, so he didn’t really know how to swing a bat, and he was such a big man. Patrick Ewing, but the NBA and baseball was involved, or Getty lead did the national anthem. I was at the gala. At that Monday night. The gala was at the Science Center, and I ran into Getty Lee that night, and he signed my ticket. But my memory that day, you saying you saw me on the field that day, I was totally on the field that day, so like you’re the only one that has borne witness to that in 31 years. Yeah, because I tell people when Griffey hit the dugout or hit the warehouse. I was sitting in the dugout with Mark McGuire, okay, and what happened was I what had happened was I had my pass around my neck, and because I was always at the ballpark 90, this is back when I was in the real media, I was always there early, because I worked downtown. It. My radio station was at light street, so I was always at the ballpark at two o’clock. That’s how I knew all the players in that era really well. You know, I was always there. I was on the road with the team, but that day, they were rounding the media off the field for the Home Run Derby. And remember, the Home Run Derby was not live, then it was embark, correct? They taped it. They videotaped it in the afternoon on Monday and embargoed it for ESPN to run it that night, this before the internet, and when everybody was getting thrown off the field, I just sat my ass down in the dugout and acted like I belong there,

Pete Raimondi  23:16

right? You had a jersey on. I remember you had an Oriole Jersey, and you had a lanyard around your neck. I had my

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Nestor Aparicio  23:22

Oriole, my Orioles, Okay, fair enough. So I have my oral jersey. I did have my white I still own that jersey. And I sat in the dugout and the cops knew me, yeah, and everybody knew me. Was our home ballpark, so, like there was no security to speak of that. Oh, that’s Nestor, and I just sat there, you know? So I sat during the entire home run derby, and I’ve seen some video footage of it, but I’m always looking because there’s cameras were everywhere. It was a lot of stoppage and zooming in on players cheering each other on. And I’m like, there’s gotta be video on me sitting in the dog. I’ve never seen it. Yeah, this is so cool. You bring that up because that’s such a great memory for me, but I don’t have any pictures of it. It’s just a story I tell them. I was in the dugout that day that you’re telling me so in the field I was, yeah, you’re telling me over an oral jersey. Yeah, I wouldn’t have remembered that.

Pete Raimondi  24:13

If you tell me, I actually may have some photographs, dude, if you have a picture of me, I’ll tell you why that would mean the world to me. You mentioned that you knew that some of the police that that worked the dugout my cousin, who has since passed away, he’s about 10 years older than 15 years older than me, but he was a city police officer for like, 40 years, and like he spent probably the last 15 years before he retired at Camden,

Nestor Aparicio  24:40

was His name John Gavins didn’t know him. There was another guy that was a Corporal John work.

Pete Raimondi  24:45

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John had the night the game. He had 2130 2131 in fact, he’s on the 2131 tape. Well, of course, right next to Bobby Bonilla is pushing Cal out of the dugout. Well, there was always a cop about, yeah. Push him out, pushing him out of the dugout. I mean, it’s probably a cop sitting next to me during

Nestor Aparicio  25:03

the home run therapy. It’s just, I look like I belong. And there was no, I mean, there really weren’t. There weren’t a lot of, I mean, there weren’t a lot of people, because you think about the Home Run Derby the mountains, kids everywhere, and they kind of all sit around. This is the beginning of that era, sure, but I said I watched that in the dugout, and you were a witness to it, he reminded us here he is a an insurance agent up in Harford County. He’s also a big sports fan Ravens. I mean, you Super Bowl. I mean you’ve had PSLs. I mean you’re, you’re a p1 sports guy. That’s how you found me. So if you want a guy who’s a sports guy, talk sports with you, but sell you some insurance, this is the guy, but, but, you know, you’ve been at it as long as I am suffering with the Orioles, you know, waiting on the ravens and Lamar and all that. This is, um, I had Chris Corman from the Baltimore banner on yesterday, and I put the piece up at Baltimore positive and like, sort of end of the year, it’s been an interesting year in that we haven’t had a lot of years where our baseball and football teams in our lifetime have both been good enough to win. Sure, you know, both playoff teams and not crappy playoff teams. Mean, say what you want about the Orioles this year, little pitching, little luck, little health. They could have won the World Series. I mean, a whole lot of years we could have ever said that about the Orioles, right? And I think with the ravens, we say that often, but then we’re like, were they really better than Tom Brady, any of those years, or Peyton Manning, or were they really, have they really been better than patch? They haven’t been they’ve they have been disappointing at that point, and we’re one of these critical points right now with the Steelers game the holiday week and everything that’s going on as to and they’re gonna play next month, so they’re gonna have a chance. So we all could have some belief that their better angels could show up, but they put themselves in a tough position right now,

Pete Raimondi  26:41

and maybe that’s where they need to be. I mean, I really don’t know, because I was actually thinking about that coming in this morning, and I can’t help but feel that this team being somewhat a bit erratic and unpredictable is somewhat similar, obviously absent of Ed Reed and Ray Lewis of the 2012

Nestor Aparicio  27:07

team. Yeah, the 11 team was the better team. Much, much,

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Pete Raimondi  27:10

much better team. Yeah, that was, that was, you know, that team that year should have

Nestor Aparicio  27:16

won a Super Bowl. Well, the kind of, and really, I mean, kind of gets blamed for, but horrible set on the timeout, yeah. So like, you know when it comes time for John Harbaugh to go to the Hall of Fame, aside from throwing me out and me having zero respect for his integrity on all of that as a football coach and as a tactician and as a guy throws the red flag, and I like, well, he’s Flacco three ran the ball three times in the championship game. I mean, they’re just some real scars along this. And when I think of John specifically, I think if that Jacoby Jones play doesn’t happen, John’s probably fired in 2017 and you know, probably would have been a very different journey, sure, had they exited in Denver that day. Yeah. So John’s had that good fortune for all of this, Lamar has got the MVPs, and Marlon Humphries got his money and broken. This is a real big couple of weeks for the franchise, I think, for where they are with finances, with players, with the end for Ronnie Stanley, with where they are with Mark Andrews, with the money they’re gonna have to give Kyle Hamilton at some point, and Tyler linderbaum. Guys are coming on and other guys are going away. Yeah, this is they were constructed to win a Super Bowl this year, and they’re healthy, yeah? So the excuses are penalties, secondary pass rush, offensive line, I guess, if they don’t get there in the end, but they piece this thing together. They have the tools to win a champion. They really do.

Pete Raimondi  28:39

Yeah, if they don’t beat themselves and play error free football, I think they have as good a chance as anyone. I mean, you know, to make a run. They’re healthy and that, and that plays a huge part what Buffalo and

Nestor Aparicio  28:52

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Kansas City don’t want to see them coming into January either, but then they’re good, you know, then they’re gonna have to go someplace cold and nasty and win. And I don’t know, I don’t love that pathway of Buffalo, Kansas. I don’t either. Yeah, that’s not the road. But we love the pathway last year and then they burped,

Pete Raimondi  29:07

yeah, like at home, literally, yeah. Do you go to the game? No, I didn’t go to the game. You stopped going to games. Or you I had, I had season tickets and PSLs up until 2019 okay, I had season tickets with the ravens, with a good friend of mine who passed away in 2017

Nestor Aparicio  29:28

and that changes things. Of course, we went

Pete Raimondi  29:31

to, I mean, we literally went to every Sunday ravens game, every Sunday Oriole game. And it

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Nestor Aparicio  29:39

means the world. Means the world to me. And those cold schemes I went to a month, it means everything to me, you know, yeah,

Pete Raimondi  29:44

and, and when he passed away, I just kind of like it was a different experience. My wife’s not, she’s not, doesn’t enjoy going to the football games as much as I do. What’s gonna be cold as hell Saturday too. Yeah, yeah. So she’s more, you know, she loves the oral so that’s no problem. Up there, but, yeah, I miss going out to the stadium. I do. It was a great, great, great experience. I thought things changed dramatically when Ray stopped dancing, yeah, but I think the crowd changed, yeah. There’s different dynamic, different era, yeah, yeah. And

Nestor Aparicio  30:18

if the error is sitting out there with 20,000 Eagles fans or Steelers fans or Bills fans like, you know, that’s shameful. I mean, I just is it should never have been there. As I as Tom Mattie is in our shot on the back wall over there in the Colts gear. Yeah. I mean, we got a tradition here of being a tough place to come in and play football. And I don’t know that it’s really been that since guys like you and I left. It’s not the same, yeah, yeah. I see that on TV. I feel

Pete Raimondi  30:40

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it, yeah, yeah, yeah. I can imagine. I mean, you know, when Ray was on the field and Ed was there, and Suggs was there, and Bart Scott was there, and all those great defenders, that great ravens defense.

Nestor Aparicio  30:56

I mean, it was, it, well, they better play better defensive. It

Pete Raimondi  30:59

was, you know, it was, I kind of see Lamar in that role in turn, in terms of having to carry this team on his back. Well, he’s making $50 million a year. Yeah, he’s gonna be the guy I get the next five years. Yeah, yeah, I get it, but there’s only so much that one guy can do, and that’s why they brought Derek Henry. Yeah, exactly. But, yeah, yeah. And hopefully there’s not a repeat of what happened last year the AFC Championship game, because it’s a shame not to run that guy. Pete

Nestor Aparicio  31:28

ramondi is here. He is with Wessel insurance and our friends at Erie Insurance. They are our sponsors. Give them a try on insurance. We’re thinking about insurance at the end of the year. Leonard was beating me up about it last week as well. We’re talking about it on the air, because the air, because the end of the year, and families get together this time of year, and it’s, you know, talk about money, talking about who’s on my insurance, who beneficiary, like all of that stuff. So tough time of the year for that, but it’s something that, you know, it’s a week over the eggnog. Talk to your family about it, because it’s, really is important. Absolutely, it really is alright. Tell you get the phone number again for everybody and and read your elevator speech about what you do for insurance and how you can just help somebody out there if they’re, you know, unhappy with their insurance, unclear about their insurance, or just, you know, need some advice, right? Yeah. I

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Pete Raimondi  32:12

mean, at the very least, you know, if you want, if you would like, someone to explain to you what you have, I’ll do that for you, right? I mean, the only way I can help someone is I gotta really be able to do two things.

Nestor Aparicio  32:26

Well, if you buy insurance on the 800 number, there is nobody to really, there’s nobody there’s

Pete Raimondi  32:30

nobody to sit with, right? Exactly. There’s nobody to make sure that you understand this. Or if there’s any other potential risks, you know how much insurance

Nestor Aparicio  32:39

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you need. But somebody like you has to prompt the question. The question of, what do you have around the house? With the house really burned down? Is there something in there that’s worth money that? Sure, right? Like all of those kinds of things. But then, yeah, nobody from the Geico teams doing nobody from the 800 call centers doing that. It’s not. And

Pete Raimondi  32:58

lots of folks you know will, you know, wrongly assume that all of their personal property, all of their contents, are covered. And again, if your agent takes the time to explain to you that that is not the case, that there are limitations, regardless of what is state,

Nestor Aparicio  33:18

my place burns down in my car’s belt buckle burns. Man, that’s problematic for me. Well, you know it’s problematic

Pete Raimondi  33:23

because a it can’t be replaced. So how do you determine a replacement cost on something that’s a one of I don’t know. Okay, so your insurance policy knows. All right, fair enough, good. But that on there. But if that belt buckle is worth, I don’t know, $1,000 and you have an appraisal for it, and you want to ensure that belt buckle for $1,000 because it is one of a kind and you’re replaceable, we can help you with

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Nestor Aparicio  33:59

that. But folks don’t find that after the place burned. That’s

Pete Raimondi  34:02

exactly correct. You don’t want to find out that your valuable comic book collection, you know, your sports memorabilia, your baseball cards, your football cards, all of your collectibles,

Nestor Aparicio  34:16

your hats from the 93 All Star game. You know, we’re ruined,

Pete Raimondi  34:20

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you know, because the sump pump failed and, you know, you came home to six, Yeah,

Nestor Aparicio  34:24

glad I did not have my memorabilia in the basement. I lost a pool table and a video. You know, there was stuff bad. There’s just all sorts of crap down there. When you have a flood, nothing, it’s the worst floods and fires, dude, man, and you’re picking up the pieces every single day, their game changer, Peter, stand by you. We’re standing by you. The other people stand by you too. We’re at Costas in. It’s all brought to my friends at the Maryland lottery. I’m now how long I’m gonna hold up the holiday luck doublers, but they gave me these $5 tickets. Pete’s getting one of those for being our contestant here on our little game show. Calvin stadiums here. Todd schul is gonna stop by, and Gina shock from the GO GO is gonna come by and have crab cake with us. Later on, it is the Maryland crab cake tour. These are the holidays. Get Pete a call. You’ll hear his ads. He’s out at the front of Baltimore positive as well with his little 300 by 250 little bonus. Click on it and you can find him. I am Nestor signing off for Costas in here we are W, N, S, T, A of 1570 tasks of Baltimore. And we never stop talking Baltimore. Positive. You.