The I've Been Tasked With Podcast
Written, produced, edited, released by Dan.
Trying to find a 95% positive outlook on daily life.
Living the life of a Rockstar.
Celebrating everyone's differences and proudly admitting our own mistakes.
Proudly Broadcasted out of a town named Parkville that is 10 miles as the crow flys from popular City of Baltimore Maryland located on the east coast of the United States of America where freedom of speech is a thing... the "I've Been Tasked With" Podcast.
This podcast series is an informational comedy show based on factual data and current happenings not specifically unique to the area it is broadcasted out of.
Real life stories of lessons learned with experimental entertaining topics.
Interviews with musicians, military members, sports talk, live shows, live performances. Edited for audio clarity and sound quality.
The I've Been Tasked With Podcast
s2 e1 State Farm B rating Exposed! debate Drones Insurance loop holes
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
Ever found yourself wondering how the humdrum of infrastructure and personal finance could make for riveting podcast material? Well, wonder no more! Season two takes off with a bang, and I'm here to assure you that this isn't your average finance talk. We're mixing sharp wit with practical insights, and Meghan's dropping by with the lowdown on insurance ratings and their sneaky impact on your mortgage. Judd syncs up with our vibe, while Connor chimes in with techie talk that'll have drone enthusiasts and design buffs nodding in agreement. And just when you think you've got us pegged, we switch it up with a debate on the music industry that'll have you questioning everything from ghostwriters to producer tags.
Hold onto your hats because our neighborhood tales will take you on a roller coaster of emotion, from the adrenaline rush of a near miss with a torch that could've ended in flames, to a tree removal that had us cheering for the local arborists. But it's not all heart-stopping moments; there's a chuckle or two waiting with tales of vehicular mishaps and the neighborhood's best-kept secret—a backup car! It's the kind of storytelling that stitches together the fabric of our community, with a healthy reminder to never skimp on safety.
Now for the entrepreneurs, Meghan's back in the hot seat with her commercial insurance wizardry. She draws a clear line between personal and commercial coverage and why your business needs its own shield. And because we love a good deep dive, we tackle the often-confusing territory of bonds versus insurance. You'll come away understanding why that A-rated insurance provider matters, especially if you have a mortgage. We wrap it up with personal musings—from boat adventures to global changes we'd wish upon the world. Trust me, it's not just another business talk; it's a treasure trove of anecdotes and insights you won't want to miss.
Thank you for listening
From Dan Nick And Cj
Sincerely,
-Dan (Baltimore Producer)
Podcast Preview and Rap Analysis
Speaker 2What she's on the.
Speaker 1I've been tasked with podcast.
Speaker 2She had to wind up to it.
Speaker 3I've been taxed with Uh-huh.
Speaker 2Yup, pretty close Good stuff. Hey guys, welcome to season two of I've been tasked with, and it's just me right here on the mic for a second. We got our crew coming in. I wanted to urge everybody, or request everybody, to hit the download button, and it's just me right here on the mic for a second. We got our crew coming in. I wanted to urge everybody, or request everybody, to hit the download button if you enjoy any of the comments that we offer.
Speaker 2This is not family friendly. It is explicit lyrics. There is a rap song coming up that does have some racy stuff. It's about four minutes long. After that you should be all right, but what you're going to hear on this podcast is some commentary on the bridge. We're going to talk about insurance tips with Megan, and she does actually have some really really good stuff. We speak with Judd he gets his five minutes. That goes really well and then we have Connor at the very end and Connor and I are discussing drones and our designs, where we're at, with a few things, as well as a few funny commentary things here and there. This is a comedy show, information exchanging podcast. So welcome to season two, episode one of I've Been Tasked With and, like I said, please, our future sponsors will be paying us and rating us based on how many people hit the download button, so thank you for being here and enjoy the podcast, see you.
Speaker 1A rating from A down to B. If you have a mortgage, you're going to have to switch insurance carriers, because mortgages typically have a clause that they have to be insured with an insurance company with a rating of A.
Speaker 2Oh, so they got rated down because they're not covering what they're supposed to be covering in order to keep the A rating.
Speaker 5Yeah.
Speaker 2That makes sense. So, like a good neighbor, state Farm might not be there. It's not there. Might not be there I won. Thank you. I've been working on my sketch writing. I hear it it's working. Yeah, dude, technology is pretty fucking awesome yeah. This is copyright, not protected right. We're allowed to use this. That's great, Nick. What?
Speaker 5is that what is?
Speaker 2that the bass was great.
Speaker 5A Drake diss track from Kendrick Lamar.
Speaker 6Which one? Hasn't he dropped like 12 in the past four days? Yeah, this is his most recent one and last one.
Speaker 2So he's an artist, right, he's a rapper.
Speaker 5Yeah, he's a very well-known artist. He's from Compton.
Speaker 2I like that really, really trebly, just tick, tick, tick. Yeah, so that.
Speaker 5DJ is DJ Mustard. He is also from the US side. I've heard his name before from.
Speaker 2I've heard his name before. Yeah, you've heard his tag, his tag. Sorry, cj, I didn't mean to offend you. If you're a rapper that has you wouldn't know all the names right?
Speaker 5I am not. No, a tag as a tag is what? Who is, who creates the beat? It's more or less the engineer. It's a whole different audio thing that I've ever heard like dr dre, this is cool yeah I mean my knowledge I don't think Dre has a tag, but more or less more newer I guess.
Speaker 2I mean Drake's tag is Drake.
Speaker 5Yeah, Drake doesn't have a tag because he's not an engineer.
Speaker 2Oh yeah, we don't know that he's the rapist Does Drake buy his?
Speaker 6We'll get into that.
Speaker 2He's the rapist. Does Drake buy his?
Speaker 5We'll get into that yeah.
Speaker 2I'm sure we will. Does Drake buy his own? Well, we're getting sidetracked, but does Drake write his own music?
Speaker 5I mean that's up for speculation.
Speaker 2Okay, I mean, it's very respectable to buy others' music. That's a thing. You buy it and you make.
Speaker 6know, make yeah when you say music, you're talking.
Speaker 2You're talking to a pre-recorded song lyrics and I mean, but all of that it's gonna be separate. It could be yeah, there's a lot of typically.
Speaker 5Typically an artist doesn't make their own beats okay, so what?
Speaker 2what is the scandal or story we have going?
Speaker 5with this.
Speaker 2You'll find out, because I said that I heard drake's house got shot uh, today.
Speaker 5That's not. That's not relevant.
Speaker 6It's not relevant to this, that's like part five of this 18 part series.
Speaker 5Yeah just go for it. Let's get back to the song. So that's a reference to uh I believe carl malone and the utah jazz yeah and um it, I mean. I mean it could be seen as two different things. Like john stockton, I believe he holds the all-time like assists record what was the lyric. I'm finna pass on his body.
Speaker 2I'm john stockton that's so that letter a little snippet so cj knows who John Stockton is.
Speaker 5I believe he holds the all-time assist record. But not only that he was teammates with Carl Malone, who is famously known for impregnating a 13-year-old girl.
Speaker 6That did happen, oh, uncle Carl, but that's references.
Speaker 2These are like multiple double so they're pushing at each other's buttons Double, triple entendres on this shit? Yeah, and they're pushing at each other's buttons double triple entendres on this shit and they're having arguments kind of or fronting they just hate each other, throwing bars at each other sometimes you gotta pop out and show niggas certified buggy man walking down the whole time I know he got some hoe in him.
Speaker 4Pull on him, extort shit, bully, the flow in him. Say time, I know he got some hoe in him. Pole on him, Extort shit, Bully death. Throw on him. Say Drake, I hear you like I'm young. You better not ever go to sell Black One To any bitch that talk to him. And they in love, just make sure you hide your little sister from them.
Speaker 5They tell me Charles the only one to get your saying oh man, I heard it on.
Speaker 2I heard that part. Oh not, they didn't play that on the news, but I heard them talking about the story. I'm like I have no idea what songs are talking which we're 52 seconds into the song into this four minutes just like what's the name of this one not like us okay yeah, bye.
Speaker 5Bye, kendrick lamar, okay, all right, I'm gonna continue, all right.
Speaker 4I'm going to continue.
Speaker 2Just holds the note.
Speaker 5Yeah, so that's in reference to the, the diss track that drake released right before him. He. He basically said, um, something along the lines of that kid is dave freeze and he held the note for like stupid long and he was basically holding that note. Just, you know, like I listened to your shit and it it wasn't good, kind of yeah, he's, he's dissing him yeah, but he also basically said he's trying to strike a chord and it's a minor yeah, good, good writing they not like us, they not like us, they not like us, they not like us, they not like us, they not like us?
Speaker 1you think not like us.
Speaker 4They not like us. They not like us. You think the bagel? Let you disrespect pop, nigga. I think that Oakland show go be your last stop, nigga. They cold foul. I don't know why you still pretending. What is the owl Bird, niggas and bird bitches? Go the audience not dumb. Shape the stories how you want. Hey Drake, they're not slow. Rabbit hole is still deep I. They're not slow. Rabbit hole is still deep.
Speaker 2I can go further, I promise. Ain't there something? Be rest, that's for bitching. You, malibu most wanted, ain't no law boy? You ball boy fish, get ready to something. All right, I'm not. I'm not playing all of that. Which part, which part of that should I play?
Speaker 6I mean, I like the don't this pock part, because drake in his first one put pox in his yeah, he did an audio ai voice.
Speaker 2Why did you say malibu's most wanted?
Speaker 6yeah, because have you ever watched the dumbass movie?
Speaker 2yeah, it was really good. It was a good movie.
Speaker 5Drake is mixed and he's basically saying that Drake is trying to steal the culture of black people because be rad.
Speaker 2Yeah, not Brad be rad, be rad and I had this bitch jumping.
Speaker 4You niggas will get a wedgie. Be flipped over your boxes. We're holding your foe. The other vaginal option Pussy. Think about a straight name Come on Nate.
Speaker 2I'm not doing that. Let's end this story.
Speaker 5Where are we going with this Motherfucker? You're the one who wanted me to play this.
Speaker 2Not the whole song, no, no, I want to know. Want to know really like yeah, what was copyright or whatever? Yeah, it's released. Yeah, that's cool. So it's amazing we can play that song.
Speaker 5So where do you want me to go with this?
Speaker 2I thought I thought the story had an ending with the it's a four minute song, oh okay and we're.
Speaker 6We're still in the middle of this story, but I'm not sure how drake's to come back. I don't know that anybody is. Nuh-uh, Nuh-uh, that's what I said yesterday to some people. We were talking about the same stuff and it was just like you're a pedophile, drake's like no, I'm not.
Speaker 5Yeah, nuh-uh. Let me talk about Millie Bobby Brown.
Speaker 2I'm trying to use the story. I have a visual of the podcast Use. I'm trying to use the story.
Speaker 5I have a visual of the podcast.
Speaker 2Use it how you want it. It's like two minutes and I was trying to. I thought that there was an end. How did this get back to Drake's house? I thought Drake.
Speaker 6Drake got shot before this came out. I'm pretty sure.
Speaker 5What you're asking me to do right now is take five days worth of content, okay, and one song, that is the end of the beef and sum it all together okay, so that's what I didn't.
Speaker 2I don't know if I fully got that. This song is the end of the beef thus far so far, this is the most skyrocketing yeah, I, I was more, I'm just I. I'm focusing on the, the writing of the, the music, and it's a lot of repetitive stuff. But uh, let's do something else. Let's let's call megan. I don't want to lose megan we have megan okay. What do we have going on in the studio today? Nick Megan, we have Megan, okay.
Speaker 5What do we have going on in the studio today, Nick? Nothing really. It's just us three sitting here at the moment.
Speaker 2Okay, it's been a week. Anything happen with your guys' lives. I almost died this week. I can chat about that.
Speaker 6No, nothing that crazy happened in my life.
Speaker 2Yeah, CJ and Nick both know this story. This is fast Make it quick.
Speaker 5I was backed into a car yesterday with a box truck. There we go.
Speaker 2That was interesting with a box truck yeah I've sliced open another car with a box truck before.
Speaker 5Yeah, I, um, I was so close to backing into this car that my, like you know, the rubber part that is used to back up to, like the, the garage area bent their mirror backwards. Didn't break it, but bent it backwards. And it was very scary, I bet, because from my mirror I can see that the mirror's bent backwards and I'm like, holy shit, is there a big gash on the side of that car?
Speaker 2You don't even really feel it in the trucks, do you? I felt it.
Speaker 5That's how I knew to stop. I hit them, I hit my brakes as soon as I felt it hit the mirror and, uh, you know, I pulled forward, I adjusted myself, reversed, and then, uh, I had to go close the back of the truck and I just kind of like, made it, made it seem like I was just going back there to do that, naturally and on my way back.
Speaker 2I just, I was just here doing this. Pop it back in the socket. Yes, I did.
Close Call With Torch and Tree
Speaker 5Looked at the mirror. Everything looked good to me. I was like, all right, so I'm gonna go ahead and skedaddle that's good stuff, I I'm so.
Speaker 2My thing was I almost died where, uh, I was using a torch to uh, uh, recolor the wave runners, hoods, and uh, last year I did it with, uh, a heat gun and it warms it up and it changes color to its back, to its original color, kind of gives it a sheen.
Speaker 2Well, this year I ramped it up like tim and the tool man taylor, like I always do, and I got a freaking blue torch. Uh, it wasn't the yellow bottle, it was the blue, which is a little bit less. I think it's butane or propane and I'm, yeah, torching the hood and then I close the hood and I get towards the very end of it and I guess I got close to the edge of the hood where there's gas inside, a good mixture, and the whole thing just goes whoomph and the hood tried to open, everything tried to open like the seat, tried to blow off of it. I just saw this whoomph and then just smoke and it caught fire real quick but extinguished. I think it ran out of oxygen. It went out immediately, just as it started. But yeah, that was some what do you call that when it was pushing out.
Speaker 6Explosiveness.
Speaker 2Outwards pressure from the inside of the hole and I had sprayed it down with after I nearly pooped my pants and I grabbed the fire extinguisher.
Speaker 6That didn't work he actually.
Speaker 4I did not you wish, I pooped my pants I got an extinguisher didn't work.
Speaker 2That sucks. Since then I've checked all the extinguishers. But I immediately grabbed the second one and I blew everything that was inside that extinguisher, inside that wave runner, in all spaces because I was like I don't know if there's a fire still going right. It was so much smoke and I'm by myself.
Speaker 6That's freaky as hell.
Speaker 2I'm by myself like I could have died. I don't know how gasoline works that well. I didn't know how it was going to catch that. I was I'm dumb sometimes, but I did admitted that. Don't do that. That's to the world. Don't put butane propane anywhere near gasoline in any way, shape or form. I got super lucky, so let's get Megan on here. I was hoping you guys were going to say oh, we have somebody coming in the studio.
Speaker 6Did you see the size of that tree that got cut down out back?
Speaker 2I did that tree is huge.
Speaker 6That cross section of that trunk is as tall as you are.
Speaker 2I asked him if I could. It's pretty short, but it's still tall.
Speaker 5Did you see it happening?
Speaker 6No, I got home and it was down.
Speaker 5I was surprised at how fast that tree I saw it. I came home early because I wasn't feeling that great.
Speaker 2I don't know 80 feet high.
Speaker 5No, they were up high, they were in a bucket. I feet high. Oh no, they were up high, they were in a bucket and, uh, like I was very surprised because there was at one point that they had like a tie off. Like you know, they tied off to another piece of the tree and then they cut it and it swings down, drops down, they release the rope, send it back up and we should have had them come in on the podcast.
Speaker 2Those guys were good.
Speaker 5Uh, I forget the name of the company was one of the guys, it was when I got home nationwide tree service nationwide tree service.
Speaker 2They were amazing they're not sponsored.
Speaker 6They must be good to take down that size of a tree in one day, but when?
Speaker 5I got home.
Speaker 6One of the guys was seriously just laying. Yeah, he was laying in your back, pauline pauline in the driveway in the driveway. Yeah, looking at his just staring upwards he's.
Speaker 2I mean I can't imagine them out. They're really good and they I. And they said no. I asked him. I was standing on my back porch. I said I was like I'm going to go ask him if I can have that wood in the, in the, in the truck bed Right, and from my porch the wood looked big, looked kind of big as I, as wide as the truck. Yeah, uh, from bottom split. So if you're looking at the back of the truck, it probably had the bottom of that hunk of wood diameter of like six feet at least incredibly huge and it was a good six foot long.
Speaker 2It was the trunk. That what you see from the grass up of this tree that over shadowed three homes. Yeah, I mean so, uh, anyway, that was really cool to see that. But I, I think I got closer, I liked he's like that, that is a lot of wood and I was like, yeah, no, thank you, he's like you, you want it. I'm like, and I was thinking Nick's got to park a vehicle in his yard.
Speaker 6I was going to dump it. I was going to put it in your grass, a vehicle or this cross-section of a tree.
Speaker 5No a vehicle.
Speaker 2It would have taken up A vehicle across the street and there's no moving it.
Speaker 6Oh okay, who's?
Speaker 2red car. That's my red car. You just got a new car? Huh no, it's my backup car.
Speaker 5Where has, where's that been? I've never seen it. I keep it at the yard at work okay gotcha. And then that other car over there is my father's gray, the ford explorer.
Speaker 2Yeah, okay, yeah, the little red car is my, uh, uh yes, I'm here wondering what the hell's going on yeah, did you like the rap?
Speaker 1megan's been listening no, I couldn't hear the rap, I just, you know it's because we were on the phone oh yeah, so she didn't hear any of that, she didn't.
Speaker 5She just heard us. You just heard us talking.
Speaker 2Okay, so you probably heard.
Speaker 1It probably looked, sounded really weird to you, megan yeah, but she's like, yeah, as the benzino deaths of um from eminem so yeah, that was uh, um, that was a few weeks ago.
Speaker 5We were in reference to the Kendrick Lamar Drake thing. That is kind of still ongoing.
Speaker 2It's been happening the last week. You know you follow your gangster rap, right?
Speaker 7Well.
Insurance Needs for Small Businesses
Speaker 2Drake's a pop star. Anyway, Megan, I'm going to ask you a question.
Speaker 1Who are you? I'm Megangan. I'm a commercial insurance agent commercial insurance okay so yeah, so I work a broker, which means like I have access to tons of different carriers um you know, for your insurance needs is this health home auto commercial commercial not everything I am licensed to do personal, but I strictly kind of um do commercial okay all right, but no health I I think nick's struggling to grasp the fact of what does commercial mean, no, I got that, it's to every.
Speaker 2We got 3 800 people listening, so like commercial and residential.
Speaker 5I got yeah, but like you're insuring their business.
Speaker 2Yes, so if you have a vehicle accident and it's under the company, does that count?
Speaker 5it would more or less be you're not insuring biz like a vehicle, you're insuring their work.
Speaker 2Megan, help us out here.
Speaker 1Correct. So I was just looking at an electrician. So I'm like okay, you have employees, so you need workers' comp insurance. You have autos, so you need business auto insurance. You need general liability to cover the ongoing and completed operations.
Speaker 2Liability. So if you screw something up.
Speaker 5Have you ever seen on the back of like, uh, like she, like she mentioned an electrician's vehicle that says we are licensed and insured?
Speaker 2no, but I'm sure that's a thing I don't doubt you if you look at like um, I'm surprised I haven't seen. I see the back of a lot of vehicles like contract builders or um plumbers I've always wanted to, to have a small business where I had something licensed and insured, just look at the back of some work vans like Ford Transits or those Nissan 3500s.
Speaker 7Megan, do you have?
Speaker 5stickers. No, that's for the company to provide.
Speaker 6Can we just get the?
Speaker 2stickers without getting insured. I just want the stickers, Megan shirt.
Speaker 1Yeah, I just want the stickers, megan, I know a lot of my company, like my clients either wrap their vehicles with their you know their business logos or they have, like, the vehicle magnets, megan, you love minutia megan.
Speaker 2Uh, I was speaking with megan previously about coming on the podcast and she was excited. She's like, oh my god, let's draw out an outline of everything we're gonna. I'm like, whoa wait, hey, this is not that kind of podcast, but she did a lot of, like you know, pre-planning, which was great. So what were the bullet points you wanted? My bullet points that her and I figured out would work for the podcast is what does the general population not know about insurance that they should know.
Speaker 1It's kind of a broad question, but I mean there's a lot, there's a lot that they should know. It's kind of a broad question, but I mean there's a lot, there's a lot that we should know. There's so much they don't know yeah.
Speaker 2I mean, I don't you know, I would love for you to spill the beans of stuff, but that's not really what I'm here for. If you have a house and you're getting an electrician to work on your house, you need to have them be insured themselves or like stuff like that. I mean, what is that? What are the loopholes we're going to fall into in our lives?
Speaker 1Yeah, definitely. I feel like a lot of people they do look for jobs and say, hey, I'm looking for somebody to fix my roof and they look for the cheapest option, but in reality they didn't make sure that they have insurance and that's a major liability issue, because if you're having somebody get up on your roof and they fall off your roof, but it was only $48 instead of $120. Yeah, and then you're in court and you potentially could lose your house because you and you've seen that happen.
Speaker 1Um, I mean, I personally haven't on my book like um my clients, though.
Speaker 2Yeah, but I mean, it's a story that goes around, and don't do that, cause this happens.
Speaker 1Yeah, I mean I had somebody come do my gutters last year and I like asked for their insurance and he he said he's like surprisingly not many people ask this. And it blows my mind because you know we're getting up there in heights and I said yeah, they're like we're almost dying on their property yeah, um, so that's something that you definitely need to make sure that they're insured. So.
Speaker 2I have insurance on my house. Here's a question and right now I need to get some paving done on my property and the paver trips and hurts his ankle. Am I just on the blanket as having home insurance? I didn't ask when I bought a house. They didn't go like well, who you know, that I know of. But, like you know, am I covered for all my contractors Just knowing that I have home insurance?
Speaker 1I mean with that I mean you will have liability coverage for that. But you need to make sure that they have insurance because if they trip on the job, that should be covered under workers' comp insurance.
Speaker 2Under their side, but if they don't, they're coming at you. Is that what you're saying?
Speaker 1Yeah, and that's the importance of you needing to make sure that they have workers' comp insurance general liability. It just depends on what job.
Speaker 2CJ, you had a porch redone right your concrete uh, I had you do some of the concrete okay, that guy was not insured. I was talking about the, uh, the steps or whatever, didn't you have?
Speaker 6I didn't, uh, miss pauline. Miss pauline did damn. I'm thinking of the wrong house. I would like to have some if, if you did.
Speaker 2Now I, I remembered I did some kind of.
Speaker 6I've always thought that if I hired a contractor to do work and they hurt themselves doing the work I'm paying them to do, that's their own ass. Yeah, I feel like I did not think that I was liable for them.
Speaker 2So you know how my sidewalk was fucked up out front yes, did you know that I was liable for them.
Speaker 5So you know how my sidewalk was fucked up out front.
Speaker 6Yes.
Speaker 5Did you know that I was liable if somebody fell and tripped on that when it was all cracked up?
Speaker 6Yes, I did know that. But, that's different than.
Speaker 5That's ridiculous. That's county property Tell us, Megan.
Speaker 2if we're wrong, it's not county property, our property goes to the curb.
Speaker 5Nah, I call it cap. Nah, to the curb, correct nah I call cat nah, the county put that sidewalk in the county maintains that sidewalk anyway. That's true, megan right. So if I were to, so if I were to have like dug out that cracked up sidewalk and replaced it myself and the county came at me like who's technically in the wrong, me or the county?
Speaker 2what are you you talking about? You do it wrong.
Speaker 5No Like, say I were to take out all that concrete from the sidewalk and I and I poured it myself Right.
Speaker 2And like the County comes by and they're like. Hey, that wasn't like that before you know, yeah, well, now you're improving it?
Speaker 6I don't think I had somebody I paid out of pocket to fix my sidewalk.
Speaker 2But I will say Did you make sure he was insured?
Speaker 7No.
Speaker 6I took Miss Pauline got somebody and I was like can you do mine too while you're?
Speaker 2at it, and that's how that went.
Speaker 4That's good stuff.
Speaker 6But I do see that somebody walking along and hurting themselves is different than me paying someone to be here to fix something and they hurt themselves while fixing it. I feel like people would hurt themselves on purpose just to win lawsuits. That was a thing back in the day.
Speaker 2That was a possibility there was a few years where people were doing that and I think that the judges eventually were like yeah, no, this is a thing we're not going for. The first 12 or 15 people that hits that judge, they're going to be like oh yeah, you shouldn't, oh't, oh, this is a thing.
Speaker 6Jackpot yeah.
Speaker 4Okay.
Speaker 2That's how I feel like that works out. So, megan, I have another question for you. I know you have other things to talk about. If I'm starting a small business and I have 10 people or less because that's basically where I'm going in my life at some point how early do I need to have commercial insurance? Immediately, because you're starting a business, you don't have any money to buy stuff.
Speaker 1So typically let's say When's the time? Let's say you start to train your employees before you actually start the job. You should have workers' comp insurance while they're training. I mean, I've had claims in from clients that their employees fall on their first day.
Speaker 2Yeah, all of a sudden, they're not doing heroin anymore and they're working, and they are not normal.
Speaker 1I'm sorry. That's how life is, they, you know it depends on the state too, Cause I know, um, I think, a couple of states down South is it Texas? Oh, I'll have to look at every state's different If. If they have like five employees or more, you're mandatory for insurance. So it also all depends on the state. So keep it under five. Keep it under five. I'm in Maryland.
Speaker 2I'm not going far, no, I just thought how much would it cost specifically not with you, but in general. What does the market cost for a 10 person or less business per year? For a pretty good amount of what the insurance you would think that they need.
Speaker 1It depends, because a lot of things are rated off. Payrolls, really, oh, so you make more money.
Speaker 2The insurance brings more A million dollars per year as opposed to a company that's barely raking in $100,000 per year You're going to have different insurance rates.
Speaker 5Yeah, because you're not working as much right, yeah, you can be, as much income is higher.
Speaker 6The amount you can be sued for is different oh okay, it makes sense, I'm getting that okay.
Speaker 2No, I mean I've never. When am I going to walk into a commercial insurance place and start talking about this stuff?
Speaker 6especially if you're an llc.
Speaker 2I've had an LLC, I didn't have insurance on it.
Speaker 6But was it just you?
Speaker 2Yeah, I had one other employee who would steal money from my money area On the truck. You put it in that glass compartment up top. That's where you keep your money right.
Speaker 6Nice to know.
Speaker 2Yeah, so I don't know. We have some other things to talk about with Megan and it involves how to talk to men and that we have three men. What, what's that, megan?
Speaker 1This is not a topic, Not a damn it.
Insurance and Bonding Discussion
Speaker 2Can I at least put my my attempt, Cause it was really good that we had a really good conversation over how, so we're not allowed to talk about that. This is all just insurance.
Speaker 6I did have one quick question Do you do bonding as well as insurance, or are those the same thing? Because I think bonding is for like ensuring the work that they do versus insurance for pain and hurting themselves.
Speaker 1So it's funny you mentioned that because we did have like a bond meeting. Today we are starting to get more involved with that. I the only bonds that I've done in the past couple of years. I think it's for residential cleaners, okay.
Speaker 6Yeah, like if they, if they knock something over while in the middle of their work, the it's more like the employee theft.
Speaker 2I'm sorry, I didn't mean to insure for that it's.
Speaker 6Insurance and bonding, I think, are slightly different.
Speaker 2This is cool, so like I'm working and someone steals a 600 toll for me. I can call megan and be like hey, I got a receipt, Something was stolen.
Speaker 1Correct. I mean they do have liability for if they break something or damage the floors, but that's just the bond for employee theft If one of my machines falls and dents a floor. That would be under liability.
Speaker 2Good, because I've dropped, dropped stuff. I dropped a wrench on one of the brand new toilets that I was putting into my, my house. I was working, you know, right above it with a wrench. I just fell out of my hand right brand new toilet. But anyway, yeah, tools that that shit happens on a real nice hardwood, fully finished floor. That's what. What is that? Four to five thousand dollars to get it resurfaced oh yeah yeah, I mean a big ding dash, something like that.
Speaker 2Yeah, that makes sense, I'm getting it. What else we got, miss Megan, for tips for other people? Don't do something.
Speaker 1Well, I know that State Farm we don't partner with State Farm but I know a lot of people have State Farm for their personal business. I mean personal insurance. They had a rating from A down to B. Have a mortgage, you're gonna have to switch insurance carriers because mortgages typically have a clause that they have to be insured with uh, an insurance company with a rating of a.
Speaker 2So oh, so they got rated down because they're not covering what they're supposed to be covering in order to keep the a rating yeah, that. That makes sense. So, like a good neighbor, state Farm might not be there, it's not there. Might not be there. And one Thank you. I've been working on my sketch writing. Okay, so that's cool.
Speaker 6Now I don't have State Farm, but if, let's say, I did have State Farm, would they have to disclose that to me, like send me a letter and be like, hey bro would they have to disclose that to me, like send me a letter, be like hey, bro, we just hey, we're kind of here, we're just not really following, we just got knocked down to a b.
Speaker 6So if they ask, we're an a, if somebody calls, make sure you tell them we're an, a you need to get a new company or something along like is, are they?
Speaker 1correct.
Speaker 6Either they will or the mortgage company that you um have your loan with well, that's nice to know that people are just floating out there not knowing this information and just being screwed If something happens with their B rated insurance company Interesting.
Speaker 2That's cool stuff, so we're not allowed to go over anything about boating. No stories, megan, it's all insurance. We didn't just what.
Speaker 1What stories about boating no stories megan, it's all insurance, we didn't just what.
Speaker 2What stories about boating I know I I wanted to share the story of my last podcast. I said that I had a 16 foot uh 1960s cadillac boat. That was my first boat. You have been in that boat this 1960s john boat that was not restored in any way. It was just this a hunk of garbage. Megan got in the boat with me and we went and watched. Did we watch fireworks in that boat?
Speaker 1yeah, I think we almost got ran over. Yeah, it was a real tiny boat.
Speaker 2I mean this thing, this thing was uh, john boat mean.
Speaker 6I've been in a John boat. They're usually a bit wobbly. We were drinking beers. Flat bottom.
Speaker 2Yeah, flat bottom. Yeah, but it wasn't flat, it was a V. If you look at 1960s Cadillac boat, there was only one.
Speaker 7It's right, there, you had the only one.
Speaker 2I mean, there was one model that they did and they have an image of you know. It's like a sketched out image of the exact thing and it has like a windshield on there and a steering wheel. I didn't have any steering wheel.
Speaker 6It was just an engine on the back that you held onto with a stick Sounds sexy.
Speaker 2Yeah, no, it was cool. That was my first vessel, my first time going out on the water. Megan experienced that with me, did you like that boat? It was fun. It was fun. You don't need to get a good one, nick, just get a crappy one, yeah.
Speaker 5Just go out on his and just get a motorcycle first.
Speaker 2No, I'm just trying to. What was the other question I was going to ask? I have something written down for Megan. Where's my book? Oh, I'm just trying to. What was the other question I was going to ask? I have something written down for Megan. Where's my book? Oh, I texted it to you, it's probably downstairs.
Speaker 2You don't have to say it, I'm going to ask you that question. Oh, I know what it was. Okay, do you want to ask the question CJ? Do you want to ask Megan the question of? I normally do an interview question, which what is it is? What one thing would you change?
Speaker 6I've never heard you ask that. I've asked you that.
Speaker 2Well, what one thing would you, would you change in the world if you could? Okay, what was your?
Speaker 6answer cj. Uh, my answer had to do with the 24-hour news cycle, if I remember correctly to get rid of the 24 shut that down, make people chill out a little bit more. What?
Speaker 2one thing in the world could change in your life, Megan, and we're sharing this with the world. If one thing could change in a large thing, you had a magic wand. What would that be to make your life better?
Speaker 1I think more kindness, I think if everyone was more empathetic it would lower corruption, depression, uh, greed and poverty, just improve overall life so how?
Speaker 2how could the population do that? What would one thing that people could do differently? Is it to show you that they are kinder. Just don't be a dick somewhere, or what Like. What is the kind Drill into it?
Speaker 1I feel like everything's getting so fast-paced and people have less patience and everybody just had more kindness, and you know.
Speaker 2I mean I open the door for other people and I hold the door.
Speaker 7So chivalrous.
Speaker 2I'm just like what could I do in my you know? Just be more kind. So give people more margin of error, let them be a little bit you know you might not be the person or people she's talking about. No, I'm pretty sure I have definitely talking about that Exactly.
Speaker 7No, I'm pretty sure, I have definitely talking about that.
Speaker 2Exactly. No, I'm just saying, but, like, if I'm talking as people are listening and they're hopefully engaging with what we're discussing, so they're thinking what is what do they mean? You know, what is it? The people that are driving and running you off the road, is it? What is it that's bothering you about the kindness off the road? What is it that's bothering you about the kindness?
Speaker 1I mean, it's not anything in particular Okay.
Speaker 2I didn't know, if you were like somebody screamed at me when I did something wrong.
Speaker 1No, I just. You know, everybody says world peace and you know stuff, so I figured more kindness.
Speaker 2That's good.
Speaker 6Give Pease a chance.
Speaker 5Larger folks saying that it's a thyroid issue, saying that they're heavier. You said if you were forced to not eat enough and to start starving and continue to starve, forced to do labor and starved more you lose would you? Or would you look just like everyone else?
Speaker 2would skin and bones motherfucker is what you wrote. I wrote skin and bones motherfucker.
Speaker 3Like I don't know what you're saying is it's okay to be overweight it's okay, it's healthy.
Speaker 5Sometimes labor yeah, you would skinny.
Speaker 2I'm not going against everybody in the world. I feel like if everyone were to starve down and be uncertain, everyone would turn into a skinny person eventually.
Speaker 5Yes and no. Is that true. I mean, metabolisms are different.
Speaker 6I do think that there are real thyroid problems that can cause weight issues. I think a lot of people probably blow it out, don't add that out of proportion or blow it.
Speaker 2Oh yeah, yeah, I mean, that makes sense. What is megan? Any thoughts? Are we do we still have megan in studio?
Speaker 1oh I mean, I agree, I think there are people that have thyroid issues, but I also think the food that we have so much preservatives and crap that like isn't healthy for us to you know, eat.
Speaker 2So yeah, we gotta eat something we're supposed to like raise our own lobsters like I don't think lobsters is what she's talking about. I know oh, that's a natural food, you know, it's actually not bad. I've got a fish tank nick.
Speaker 6Yeah, lobsters you could raise lobsters in this fish if I made them. You realize, lobsters are like years and years old before I mean these fish are years old you could raise his own lobsters if he wanted to, but then he wouldn't want to eat them because they'd be his babies. Back to my statement of of uh.
Speaker 2What was the last line I wrote?
Speaker 4skin and bones, motherfucker.
Speaker 2That's what I wrote on my note, that's whatever. That's what I did and I sent it to nick or no.
Speaker 6I just showed it to him. I think if you were to actually have nothing in other than vitamin supplements, water to make sure water and vitamin supplements because you will just die.
Speaker 2We all get skinny.
Speaker 6I'm not saying that I'm skinny I do think that they would lose weight, even with a thyroid problem, even with a thyroid would lose weight.
Speaker 2So that's, I don't know. I don't know. Somebody sent me a photo of something disgusting and gross walking around in the world and I was like God, that's a choice, Right? I mean, why can't we say that this is free speech, right?
Speaker 6Yeah, everything's free speech. The government can't come after you. It's a choice.
Speaker 2It's a choice to look like that. I had to see that, but anyway.
Speaker 1I mean this conversation after I said more kindness in the world, right.
Speaker 2I said what, specifically what? And you didn't say don't make fun of people that are visually unpleasing.
Speaker 5Just be kind to them.
Speaker 2Yeah, I don't know. Man, Megan, say adieu to Nick. We're going to get one more insurance tip. You probably have 40. How are you going to do that? Nick's leaving with the phone. All right, Megan, hit us with an insurance tip. You're still on the clock. For three minutes You're zero paycheck. I said 8 o'clock.
Speaker 5I'm looking at the clock it's at 7.57,. Motherfucker, I'll give you 45 seconds. All right, megan.
Speaker 2One more tip on insurance.
Speaker 1I guess one thing that I commonly see, not on personal insurance endorsements for sump pumps if your home or personal property in the event of a water damage from some pump drain or sewage overflow, so that's a common endorsement that is left off. Yeah, I don't have that?
Speaker 2I don't think yeah, so I mean I didn't tell him. I want that I don't remember definitely.
Speaker 1I mean I'll look at your policy to see, but I highly suggest that because we see a ton of those claims.
Speaker 2I would love for you to see my insurance policy. That is great. I don't know why I went over and had dinner at her house with a light on her ceiling and, yeah, I should have brought my insurance policy.
Speaker 6Because when talking about sewage, shit happens. No, yeah.
Speaker 2Can it happen from the second floor? Yeah, and then just come down the steps it can't. Is it covered, megan? Am I covered? Yeah, you're covered in shit, if once okay, we're gonna fix all that.
Speaker 6But you're not with all of this, you're not covered from water coming from outside in. That's a whole separate endorsement, if I, if I remember all right, well, we're gonna, we're gonna to have my.
Speaker 2We're going to go over that. So, thank you, megan. Bye, nick.
Speaker 5All right, goodbye, megan. We're going to have to hang up because when Nick leaves the phone, leaves.
Metal Maniac and Flying Wing Chat
Speaker 2Bye, megan, we'll talk to you in the future. Bye, okay, Bye. I want to get. This is Judd Rizzo, our metal maniac on the street. I just sent Judd an image. Okay, so I want you to tell me I was tasked with building a shed. I started yesterday.
Speaker 7All right, hang on, I'll put you on speaker here. Let's see what Dan.
Speaker 2Speaker.
Speaker 7Dan sent me. Oh, that looks good.
Speaker 2Hell yeah, I did it all by myself. It's 7 foot by 10 foot. It's frames I built.
Speaker 7Is it supposed to be crooked like that? Yeah?
Speaker 2You're such a jerk.
Speaker 7It's not crooked. Come on Wait. It looks lower on the left-hand side.
Speaker 2You're the worst. I love it. It is radio, it's not lower, it is perfect. It's a lean-to. It's a lean-to Wait lower.
Speaker 7It is perfect. It's a lean to. It's a lean to wait. I assume you made it lower on purpose on the left hand side so you wouldn't have a standing wave when you record it in there.
Speaker 2Yeah, yeah, that's what it is. It's all about the recording. You're such a metal maniac. We were talking earlier and you said uh, what was it you said about the? You're like when, when I hear a beat.
Speaker 7What I said was Dan, thank you for bringing me a double bass pedal for my nine-year-old's drum set.
Speaker 2Yeah, your nine-year-old has a $280 freaking bass drum pedal now.
Speaker 7So I could go.
Speaker 2And then I show up at Judd's house, I install this double bass drum pedal and I did most of what Judd would want to do with a double bass drum pedal. I did with one foot. Well, you know, come on, you were blown away. You were like what I was. I had my left foot outside of the drum set and I'm like I was very impressed.
Speaker 7Yeah, I was like wait a second.
Speaker 2I said you're using double bass for that right.
Speaker 7I was like no, I'm just using my right foot here, watch. I was like wow.
Speaker 2Yeah, you got to start on the bottom of the pedal, work your way up when you're rolling.
Speaker 7So that's what Dan. So I've never played drums before in my life, and the first month I played drums this is what Dan is going to teach me is how to play A double bass drum pedal.
Speaker 2I literally my student I have now I literally remove the double bass drum pedal because he gets so distracted. Right, that is not a thing that people use normally. I know, but I know, and I totally get that, I know and I totally get that, what we're referring to is two pedals, one on your left foot, one on your right foot, and they both do the same.
Speaker 5Note on the bass drum.
Speaker 7So you can literally use both legs and go. But, dan, wisely, instead of saying, judd, I'm not doing that, you need to learn all this single bass stuff first.
Speaker 2You wouldn't shut up about it.
Speaker 7I'm not doing that you need to learn all this single bass stuff first, you wouldn't shut up about it. Dan wisely understands that I've been playing guitar for 48 something years and when I and I'm a musician, and I at heart, and it doesn't matter, and I hear stuff in my head that I need to, I need to get out of my system. So that's why you brought the double bass. Even though you know a kid, a kid at eight, nine years old who wants to learn drums, you would never do that Right. But somebody who's you know, over 48 years old, you know, and he says I want to play this on the drums and you say, well, you need a double bass pedal for that, or?
Speaker 2whatever, the stuff that you like to do is the roll. It's a, it's like a 16th note roll. As you get towards the snare drum hit in the standard beat boom, bop, brum, brap, yeah, something like that. Boom, brap, bap, bap, bap, boom, boom, brap, you like it's like a polka beat on it. If you like polka, you should go to, you should was it the dutch no, no, no, it's, it's not the. Accordions are hot right.
Speaker 7Like that punk. That's why I can't stand punk music, ska punk.
Speaker 2Ska punk. I used to like that. I had an album called Skarmageddon. Skarmageddon, I think it was. Skarmageddon was a bunch of different ska hits and there was a volume one and volume two was a bunch of different.
Speaker 4Ska hits and there was a volume one and volume two and, if you like Ska, if you, want to get into some stuff.
Speaker 2you hated it. I played it for you. I've had it since. Somebody gave it to me when I was like 16, 17. And I still have the CD both of them and they're playing stuff like Mr Smiley. And if you're into Ska, it's good stuff.
Speaker 7Judd will not listen to it. I, I'll give it a shot. I tried, so yeah, I'll give it a shot.
Speaker 2Okay.
Speaker 7So to talk about something.
Speaker 2Oh, four minutes and 55 seconds, you've got three seconds left. I'm sorry I didn't give you a All right.
Speaker 7Listen to Chris Daughtry his new. We're out of time.
Speaker 2Yeah, chris Daughtry, okay, good stuff. New single yeah, chris Daughtry, okay good stuff New single. Yes, yep New single. Very hot, very nice.
Speaker 7I'm going to play you out, Judd. My favorite country song is Chris Daughtry's new song.
Speaker 2Metal Maniac in the Street. Thank you, Judd.
Speaker 5It was great having you on.
Speaker 2Ba-da-ba-ba-ba-da-ba-ba-ba-ba-ba-ba-ba-ba-ba-ba-ba.
Speaker 3I'm sitting at a bar.
Speaker 2I was going to say it sounds like you're in a stadium, that's cool. What are you up to, dude? I haven't heard from you forever.
Speaker 3I know I'm sorry. It's been crazy. I'm going up to Pennsylvania next week.
Speaker 2Pennsylvania.
Speaker 7What's in?
Speaker 2Pennsylvania.
Speaker 3Something. Yeah, it's a job. I'm going up there for an interview. Oh, that's cool. What part do you think?
Speaker 2Harrisburg, yeah it's a job. I'm going up there for an interview. Oh, that's cool. What part do you think?
Speaker 3Harrisburg. No, it's close to the university. It will be at the Penn State Laboratories, so it will be close to the university up there.
Speaker 2That's neat. Yeah, is there anything you wanted to say to the audience, because you haven't talked to them forever. I want to keep you alive.
Speaker 3It's just me and you.
Speaker 2I wanted to say, you know, chase the Northern Lights you know.
Speaker 3And so chase nothing, chase nothing, chase nothing, exactly, especially not women.
Speaker 2Not women. Are you going gay now? What Are you going gay now?
Speaker 3what are you going gay now?
Speaker 2only for them only for me.
Speaker 3Yeah, I wish I could go gay. I mean I would have so many other options I could go with wow, but I mean none of them would do what I would do.
Speaker 2Well, no, you would be one of them. You'll be the. You know, you'll be my number one choice, of course.
Speaker 3I feel like if we ever did that, if you and I ever decided okay, then we would just have a big party. You know what I mean. If you're going to do it, you've got to go big.
Speaker 2I don't know. I don't want to dream any farther into this. I want to end this segment immediately and it was funny for like three seconds and we're done. Have you been doing any flying of quadcopters or drones recently?
Speaker 3I have actually a decent amount.
Speaker 2And I have stuff to show you. Yeah, what's your vehicle of choice right now?
Speaker 3Actually a ultra lightweight the nylon flying wing design that I was, uh, I had drawn up before the nylon.
Speaker 2Is it based off of the inflatable flying wing design that you and I came up with?
Speaker 3I think that if you went inflatable you gotta go big, you know.
Speaker 2Yeah, yeah, so I actually To make it worth doing, you know.
Speaker 3I, I did, I did a little bit of research and, um so, even really before drop stick technology really took off, like the idea of it, um, the us marines actually had inflatable manned aircraft that they use in vietnam oh, nice, easy to transport.
Speaker 2that's what that was the inflatable idea for me, yeah.
Speaker 3They say the biggest issue with it is obviously inflating it in the field. So like people had issues with that.
Speaker 2Oh, you can't just blow on it. Yeah Well, I mean it's a whole.
Speaker 3Like the thing is huge compared to like. Also, like the amount of pressure you need is like crazy.
Speaker 2I don't know the inflatable subboards that all of this idea came from was. They're like 14 PSI.
Speaker 3Oh, stand-up paddleboards, Sorry, yes, you're right, that is where it all came from originally, I think the more I've looked at it like, the more I've realized how much of this is like actually being utilized, but not really at a drone level. That's the interesting bit.
Speaker 2Yeah, that's why I wanted to move land and water into drone. That was my idea.
Speaker 3That's what you and I came up with. I guess I like the nylon wing. You're going to like that too. Right now, I'm focusing on making it more modular.
Speaker 2So is it nylon, just nylon, nylon that's flat, or is it nylon with stuff inside?
Speaker 3I'm thinking of it, the way that I view it is like a paraglider, yeah, like a kite.
Speaker 2Yeah, paraglider, that's the best Okay.
Speaker 3Exactly, then ultimately, the dimensions of it match that of a flying wing, even though it has a separate tail and boom. It just means that it's smaller and more. You can take it apart easier, and I think the goal is to put it all on a backpack.
Speaker 2Yeah, yeah. So you and I originally a long long we're talking two, three years ago came up with the thought of it's not original to us, but creating our own RC remote control paraglider, our own RC remote control paraglider. Okay, so the paraglider idea that you and I came up with earlier, about two, three years ago, we never got to because we had an issue with making the parachute. So I'm going to task you with Mr Conner coming back next time I see you with your best parachute for an RC that can parachute something like one of our electric motors pushing I think that's a good idea and I've already been looking up a bunch of these parachute designs already.
Speaker 3It's crazy. It's like they're really good. I've been wanting to implement a few, but like I take it one step at a time. But I'd be happy to put something together. Worst case scenario we put it on something, build a little door and have it come out of the sky via parachute. I think that would be fun too.
Speaker 2Connor, I have an announcement for you, and this is an announcement not just for Connor, but for everyone listening. I am now a co-owner of a three-dimensional printer, the Ender 3 Max, and I wanted to ask Connor's opinion or view on how cool that is.
Speaker 3First of all, I think that that's the coolest thing I've heard all day. Yeah, I've been wanting to buy a 3D printer for like forever and then, additionally, like, the amount of stuff that we could make with it is going to be insane.
Speaker 2Yeah, there's a thing called the Rocktopus. It's an octopus with the Dwayne the Rock Johnson's head on it. That's what we're making. That's what really sold it to me.
Speaker 3I mean it's the right way to go for the first print. I mean obviously.
Speaker 2My buddy Will, I said it's the right way to go for the first print. I mean obviously my buddy Will. I said where's my rocktopus, my rock the rock? It's just Dwayne the Rock Johnson's head sitting in the middle of an octopus. It's freaking awesome. Well, I'm going to call you again, or maybe call me later when you're not inside of somebody's football game.
Speaker 3Inside of somebody's mom. Absolutely Good one I couldn't think of anything off the fly.
Speaker 2Call me again when you're not at a stadium. It is bad, it sounds. All I hear is like forks, knives, people laughing. It's good, it's not awful. It's not like you're like yo, yo, yo, no matter. There's good, it's not awful. It's not like you're like yo, yo, yo, no, what is it? There's nothing bad happening.
Speaker 3It's the ambiance yeah, I don't want to piss. My career is a good ambiance.
Speaker 2Yeah, I like the ambiance too, but I don't want to piss people off. Well, actually, right now it's completely silent. What I did was I have a backtrack, as if you're in a restaurant, just to give us something to talk about.
Speaker 3I would never do that. This is awful. We're gonna hang up here.
Speaker 2I'm actually sitting right next to dan yeah, you're, he's in the room, hi, connor.
Speaker 3Oh, stop touching my leg I almost said something bad, all right hey, I'll talk to you later, connor.
Speaker 2I thanks for answering. Uh, this was a test, an emergency test of the Dan's phone system podcast.
Speaker 3I love you Dan.
Speaker 2I love you too, Dan Bye.
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