[ MUSIC ] >>Karmen: WELCOME TO
"NO PLACE LIKE HOME," THE RADIO SHOW COMING TO YOU ON
WRXB 1590 AM, 96.5 FM, AND PINELLAS COUNTY CONNECTION TV.
THIS PROGRAM IS PRESENTED TO YOU AS AN OPPORTUNITY TO HEAR
INFORMATION THAT CAN HELP YOU FULFILL THE DREAM OF OWNING YOUR
VERY OWN HOME.
WE ALSO SHARE INFORMATION ABOUT UPCOMING SPECIAL EVENTS AND
PROGRAMS TO HELP YOU ENJOY THE GOOD LIFE IN PINELLAS COUNTY AS
WELL AS OTHER ITEMS OF INTEREST.
THE SPONSOR OF THIS PROGRAM IS THE HOUSING FINANCE AUTHORITY OF
PINELLAS COUNTY, WHICH OFFERS THE FIRST-TIME HOMEBUYERS
PROGRAM.
I'M KARMEN LEMBERG ALONGSIDE JULIAN HILLS, YOUR HOSTS FOR
TODAY'S SHOW.
GOOD MORNING, JULIAN.
HOW ARE YOU?
>>Julian: GOOD MORNING, KARMEN.
CAN YOU BELIEVE IT'S ALREADY FEBRUARY?
>>Karmen: NO, NO.
I WAS COUNTING DOWN TO CHRISTMAS AND NOW IT'S ALL OVER.
AND I'M COUNTING DOWN AGAIN.
>>Julian: I KNOW.
IT FEELS LIKE THE NEW YEAR JUST WAS A FEW DAYS AGO.
[ LAUGHTER ] >>Karmen: IT WAS.
IT WAS.
IT REALLY WAS.
>>Julian: IT DOES.
I KNOW.
WELL, FEBRUARY IS AN EXCITING MONTH HERE IN PINELLAS COUNTY.
WE'VE GOT A LOT OF GOOD, FUN EVENTS GOING ON IN THE NEW YEAR.
>>Karmen: OH, YEAH, LOTS GOING ON.
>>Julian: YEAH, ONE OF THE THINGS THAT I JUST WANTED TO
MAKE SURE OUR LISTENERS KNEW ABOUT WAS LATER THIS MONTH ON
FEBRUARY 26th, SOLID WASTE IS HOSTING ECO FUN FEST.
AND IT SOUNDS A LITTLE INTERESTING, BUT IT'S ACTUALLY
VERY INTERESTING.
OUR SOLID WASTE FACILITY DOES REALLY GREAT THINGS AS FAR AS
PRODUCING ENERGY AND RECYCLING.
AND I THINK IT'S SOMETHING THAT OUR LISTENERS ESPECIALLY WOULD
PROBABLY WANT TO KNOW.
IF THEY WANT TO FIND OUT MORE ABOUT IT, THE EVENT WILL BE
GOING ON SUNDAY, FEBRUARY 26th, RAIN OR SHINE,
AND THEY CAN LOOK IT UP ONLINE AT PINELLASCOUNTY.ORG/ECOFUNFEST
TO GET ALL THE DETAILS.
>>Karmen: NOW, I HAVE TO SAY, BEFORE THE SHOW YOU WERE TELLING
ME ABOUT HOW MANY HOMES A DAY THAT THEY POWER.
HOW MANY WAS THAT?
>>Julian: I THINK THEY CREATE ENOUGH ENERGY BY USING OUR TRASH
TO POWER 40,000 HOMES A DAY.
>>Karmen: THAT IS INCREDIBLE.
>>Julian: IT IS PRETTY INCREDIBLE.
SO IF PEOPLE WANT TO FIND OUT MORE ABOUT IT, THEY CAN GO TO
ECO FUN FEST.
>>Karmen: OH, THAT IS REALLY COOL.
THANKS FOR SHARING THAT.
>>Julian: OH, NO PROBLEM.
AND BEFORE YOU INTRODUCE OUR GUEST, KARMEN HAS A MESSAGE
FROM OUR SPONSOR.
>>Karmen: THANK YOU.
THE HOUSING FINANCE AUTHORITY OF PINELLAS COUNTY IS OFFERING THE
FIRST-TIME HOMEBUYERS PROGRAM, YOUR KEY TO HOMEOWNERSHIP,
HELPING PEOPLE IN PINELLAS, PASCO, AND POLK COUNTIES MAKE
THEIR DREAMS OF OWNING THEIR HOME A REALITY.
THE FIRST-TIME HOMEBUYERS PROGRAM IS FOR INDIVIDUALS WHO
HAVE NEVER OWNED A HOME, HAVE NOT OWNED A HOME IN THE
LAST THREE YEARS, OR VETERANS.
THE HFA OFFERS A LOW RATE ON ITS 30-YEAR, FIXED-RATE MORTGAGE.
AND IF YOU NEED A LITTLE HELP WITH DOWN PAYMENT AND CLOSING
COSTS, WE CAN HELP WITH THAT.
TO GET YOUR KEY TO HOMEOWNERSHIP, VISIT
www.pinellascounty.org/hfa AS IN HOUSING FINANCE AUTHORITY.
ON THE RIGHT-HAND SIDE OF THE PAGE, THERE ARE LITTLE PICTURES.
THE FIRST ONE SAYS "FIRST-TIME HOMEBUYERS, WHAT TO KNOW"
AND THAT'S WHAT YOU WANT TO CLICK ON.
KEEP WATCHING FOR UPDATES ON OUR NEW PROGRAM THAT'S COMING OUT
SOON, "HOUSING FLORIDIANS."
FOR MORE INFORMATION OR COMMENTS ABOUT THE SHOW, CALL US AT
727-223-6419 OR E-MAIL newhome@pinellashfa.com.
JULIAN?
>>Julian: WELL, LIKE I SAID, IT'S STILL EARLY IN THE YEAR,
SO I KNOW LOTS OF PEOPLE ARE MAKING LOTS OF CHANGES.
SO TODAY WE'RE GOING TO TALK ABOUT HOME IMPROVEMENTS,
ACTUALLY.
>>Karmen: THIS IS SUCH A GREAT PROGRAM.
I'VE GOT TO TELL YOU, I'M EXCITED TO BE TELLING
PEOPLE ABOUT IT.
>>Julian: WELL, HOME IMPROVEMENTS AND LOW-INTEREST
LOANS ARE AVAILABLE THROUGH THE COMMUNITY DEVELOPMENT AND
PLANNING DIVISION OF PINELLAS COUNTY.
I'M PLEASED TO INTRODUCE OUR GUEST FOR TODAY'S SHOW.
TONI RUBINO BEGAN HER EMPLOYMENT WITH PINELLAS COUNTY GOVERNMENT
IN JANUARY OF 2008 IN THE PUBLIC SAFETY SERVICES EMERGENCY
MEDICAL SERVICES DEPARTMENT.
SHE TRANSFERRED TO THE COMMUNITY DEVELOPMENT DEPARTMENT IN
NOVEMBER 2010 AND CURRENTLY IS A PLANNER OVERSEEING THE
NO-INTEREST PROGRAM AND THE INDEPENDENT LIVING GRANT
PROGRAM.
TONI HAS CONTRIBUTED IN THE SUCCESS OF THE HOMELESSNESS
PREVENTION AND RAPID REHOUSING PROGRAM, PERFORMED SINGLE-FAMILY
HOME HOUSING QUALITY STANDARD INSPECTIONS AND MULTIFAMILY
PROJECT MONITORING.
SHE'S ALSO RESPONSIBLE FOR SPECIFIC PERFORMANCE AGREEMENT
SERVICING AND TRAINING OF CONTRACTED PARTNERS AND
NONPROFIT AGENCIES.
TONI HAS ATTENDED SEVERAL TRAINING COURSES RELATED TO
VARIOUS FUNDING SOURCE COMPLIANCE GUIDELINES,
HOLDS A CERTIFICATE IN COMMUNITY REAL ESTATE DEVELOPMENT FROM
USF, AND HAS A BACHELOR'S DEGREE IN CRIMINAL JUSTICE.
THAT'S A MOUTHFUL.
YOU'RE QUITE ACCOMPLISHED.
[ LAUGHTER ] >>Toni Rubino: THANK YOU.
>>Julian: SO, TONI, WELCOME TO "NO PLACE LIKE HOME."
>>Toni Rubino: THANK YOU, AND GOOD MORNING.
>>Julian: SO WOULD YOU TELL US A LITTLE BIT ABOUT YOUR DEPARTMENT
AND GIVE US AN OVERVIEW OF WHAT YOU GUYS DO OVER THERE.
>>Toni Rubino: CERTAINLY.
OUR DEPARTMENT DOES A WIDE VARIETY OF THINGS.
WE HELP PEOPLE AT RISK OF HOMELESSNESS, SECURE HOUSING IN
SAFE, HABITABLE ENVIRONMENTS.
WE ALSO HELP WITH DOWN PAYMENT ASSISTANCE PROGRAMS TO HELP
FIRST-TIME HOMEBUYERS ALONG WITH OUR HOME REPAIR PROGRAMS FOR
LOW-INCOME HOMEOWNERS.
WE ALSO HAVE MULTIFAMILY APARTMENT HOUSING THAT WE HELP
FUND TO KEEP AFFORDABLE HOUSING AVAILABLE IN PINELLAS COUNTY.
>>Julian: THAT'S VERY IMPORTANT.
>>Toni Rubino: YES.
>>Karmen: IT IS.
IT IS.
I WANTED TO ASK YOU ONE QUESTION THAT'S NOT RELATED TO THE HOME
REPAIR PROGRAM, BECAUSE YOU JUST BROUGHT IT UP.
ON YOUR DOWN PAYMENT ASSISTANCE PROGRAM, I THOUGHT THEY DIDN'T
HAVE TO BE FIRST-TIME HOMEBUYERS.
I THOUGHT THEY COULD BE JUST ANYBODY.
>>Toni Rubino: THE DEFINITION OF A FIRST-TIME HOMEBUYER MEANS
THEY HAVEN'T PURCHASED IN THE PAST THREE YEARS.
SO, OBVIOUSLY, THEY COULD HAVE PURCHASED IN THE PAST, BUT WE
CONSIDER IT A DOWN PAYMENT ASSISTANCE FIRST-TIME HOMEBUYERS
PROGRAM.
>>Karmen: OKAY.
I JUST WANTED TO CLARIFY ON THAT.
THE OTHER THING WAS, THAT YOU AND I TALKED ABOUT, TOO, IS YOUR
HOME REPAIR PROGRAM IS NO INTEREST.
>>Toni Rubino: THAT'S CORRECT.
0% INTEREST ON OUR HOME REPAIR PROGRAM.
>>Karmen: SO THAT'S REALLY, REALLY AWESOME.
>>Toni Rubino: YES.
>>Karmen: SO WHY IS IT IMPORTANT FOR PEOPLE TO IMPROVE THEIR
HOMES?
>>Toni Rubino: WELL, MAINTAINING A PROPERTY THAT YOU OWN IS VERY
IMPORTANT, BECAUSE WITHOUT THE MAINTENANCE, BIGGER THINGS
HAPPEN.
WHEN DISREPAIR HAPPENS AND IT'S NOT FIXED, WE SEE THINGS WHERE
PEOPLE'S ROOFS ARE FALLING IN ON TOP OF THEIR HOMES.
WE HAVE PEOPLE WITH MOLD, MILDEW GROWING ONTO THEIR WALLS.
JUST A LOT OF UNSAVORY THINGS CAN HAPPEN IF IT'S NEGLECTED.
SO IT'S BEST TO TAKE CARE OF PROBLEMS WHEN THEY BEGIN,
AND IT'S LESS EXPENSIVE AT THAT TIME AS WELL.
>>Karmen: YEAH, IT IS.
NOW, IF PEOPLE ARE LOOKING AROUND THEIR HOMES AND
CONSIDERING WHAT TO DO, WHAT SORT OF THINGS SHOULD
THEY BE LOOKING AT?
>>Toni Rubino: WELL, WHEN I TALK TO PEOPLE, SOME OF THE FIRST
THINGS THAT I TELL THEM THAT ARE MOST IMPORTANT, WE WANT TO MAKE
SURE THAT THEY ARE LIVING IN A SAFE AND HABITABLE ENVIRONMENT.
AND WHAT THAT MEANS TO US IS THEIR ROOF IS IN GOOD REPAIR.
THEIR ELECTRICAL SYSTEMS ARE FUNCTIONING AND ARE UP TO DATE
WITH CODE REQUIREMENTS.
THEIR WINDOWS ARE ENERGY EFFICIENT SO THEIR AC ISN'T
WORKING DOUBLE TIME AND CAUSING THAT PROBLEMS AS WELL.
OF COURSE, YOUR AC SYSTEM, DUCTWORK, YOUR INSULATION,
THINGS OF THAT NATURE THAT ARE MAJOR COMPONENTS OF THE HOUSE,
ESPECIALLY LIVING IN NICE SUNNY FLORIDA, HAVING AN AC SYSTEM
THAT FUNCTIONS IS PRETTY IMPORTANT TO ALL OF US.
>>Karmen: IT SURE IS.
THERE'S NO DOUBT ABOUT THAT.
>>Julian: AND, YOU KNOW, THAT'S VERY INTERESTING BECAUSE LAST
MONTH WE DID A SHOW ABOUT AIR QUALITY AND ALL OF THOSE THINGS.
THE AC SYSTEM IS VERY IMPORTANT TO, YOU KNOW, FUNCTIONING AIR,
YOU KNOW, IN YOUR HOUSE.
>>Karmen: THE AIR QUALITY AND KEEPING YOU HEALTHY.
>>Toni Rubino: RIGHT.
>>Julian: LIKE SHE SAID, MOLD AND THINGS LIKE THAT,
THOSE ARE VERY IMPORTANT THINGS THAT PEOPLE SHOULD REALLY BE
AWARE OF WHEN THEY OWN A HOME.
>>Karmen: EXACTLY.
>>Julian: SO THIS PROGRAM AND THESE IMPROVEMENTS ARE MORE
IMPORTANT THAN SOME PEOPLE MIGHT EVEN REALIZE.
>>Karmen: I THINK SO.
>>Julian: SO ARE THERE TYPES OF REPAIRS OR IMPROVEMENTS THAT THE
PROGRAM RECOMMENDS?
>>Toni Rubino: WELL, AS I SAID BEFORE, THE MAIN ELEMENTS ARE
ALWAYS THINGS THAT WE TOUCH FIRST.
SO IF SOMEONE WANTS TO TAKE PART IN THE PROGRAM, WE HAVE TO BRING
THE HOUSE TO HOUSING QUALITY STANDARDS, WHICH WOULD MEAN TO
US THAT, LIKE I SAID, THE ROOF SYSTEM IS IN GOOD REPAIR,
THE ELECTRICAL SYSTEM DOESN'T HAVE ANY EXPOSED WIRES.
IT'S UP TO CODE REQUIREMENTS.
THE AC SYSTEM IS WELL AND FUNCTIONING.
WE HAVE GOOD PLUMBING.
THINGS AREN'T BACKING UP.
OUR SEPTIC TANKS AREN'T SPILLING OVER INTO OUR BACKYARDS,
THINGS OF THAT NATURE THAT COULD NOT ONLY AFFECT US BUT ALSO OUR
NEIGHBORING HOMES AS WELL.
THOSE ARE TYPICALLY THE THINGS WE TOUCH FIRST.
WE DO DO MORE THAN THAT.
WE JUST DON'T TOUCH THINGS THAT WE WOULD CONSIDER LUXURY ITEMS.
SO WE'RE NOT GOING TO BUILD SWIMMING POOLS.
WE WON'T DO THINGS OF THAT NATURE.
NO PRETTY DRAPES ON THE WALL BUT WE'LL MAKE SURE THAT THEY
HAVE A SAFE, HABITABLE ENVIRONMENT ONCE WE'RE FINISHED.
>>Julian: YOU WENT RIGHT INTO MY NEXT QUESTION.
SO THOSE ARE THE TYPES OF REPAIRS AND IMPROVEMENTS THAT
AREN'T FUNDED.
SO, LIKE, YOU KNOW, LIKE YOU SAID, LIKE, BUT, LIKE, WOULD --
SO, LIKE, NO CARPETS OR ANYTHING --
>>Toni Rubino: NO, WE CAN DO CARPET.
FLOORING IS AN IMPORTANT COMPONENT AS WELL BECAUSE --
YOU KNOW, I WENT OUT TO SOME HOUSES.
YOU'LL SEE PEOPLE WHO ACTUALLY HAVE HOLES IN THEIR FLOORS,
YOU KNOW.
WE WANT TO MAKE SURE THEY HAVE GOOD FLOORING.
CARPET CAN GET PULLED FROM THE TACK STRIP AND THEN CAUSE IT TO
SAG, WHICH IS A TRIPPING HAZARD FOR PEOPLE.
SO, YES, WE DO REPLACE FLOORING.
WE DO PAINT -- EXTERIOR, INTERIOR.
IF LEAD-BASED PAINT, MITIGATION IS NECESSARY.
THAT'S SOMETHING THAT WE COULD DO UNDER THE LOAN IF THERE'S
ENOUGH FUNDING AVAILABLE.
IT'S A PRETTY WIDE RANGE OF THINGS AVAILABLE FOR US TO DO TO
HELP THE HOMEOWNERS GET THEIR HOUSES UP TO SNUFF.
>>Julian: IT'S GOOD TO KNOW.
>>Karmen: YOU KNOW, AND TALKING ABOUT THAT, YOU KNOW, I
UNDERSTAND YOU HAVE TO BE A HOMEOWNER TO QUALIFY FOR THE
PROGRAM AND IT HAS TO BE AN OWNER-OCCUPIED RESIDENCE.
WHAT OTHER QUALIFICATIONS DOES A HOMEOWNER HAVE TO HAVE?
>>Toni Rubino: WE HAVE INCOME GUIDELINES.
THE HOMEOWNER CANNOT HAVE OVER WHAT WE CONSIDER 80% OF THE AREA
MEDIAN INCOME, WHICH IS DETERMINED BY HUD.
THIS NUMBER IS WIDELY DETERMINED BY THE HOUSEHOLD SIZE.
SO IT'S BEST FOR THE PEOPLE THAT ARE INTERESTED AFTER THIS
BROADCAST TO GIVE US A CALL, AND WE'LL DO A PRESCREENING
QUESTIONNAIRE TO DETERMINE WHETHER OR NOT THEIR HOUSEHOLD
IS INCOME QUALIFIED.
>>Karmen: AND IS THERE A RESTRICTION ON THE LOAN TO
VALUE, AND CAN YOU EXPLAIN EXACTLY WHAT THAT MEANS TO OUR
LISTENERS?
>>Toni Rubino: CERTAINLY.
A LOAN TO VALUE IS, IN SIMPLER MEANS, YOUR DEBT VERSUS HOW MUCH
THE HOUSE IS WORTH.
SO LET'S SAY THAT YOU OWE 100,000 AND THE HOUSE IS
WORTH 100,000.
THAT WOULD BE 100% LOAN-TO-VALUE RATIO.
WE DETERMINE THE HOUSEHOLD'S -- THE VALUE OF THE HOME BASED OFF
OF THE PROPERTY APPRAISER'S WEBSITE'S JUST-MARKET VALUE.
YOU CAN ALWAYS CHECK YOUR JUST MARKET VALUE IF YOU'RE CURIOUS
ABOUT WHAT THAT LOOKS LIKE BY GOING ON THE PROPERTY
APPRAISER'S WEBSITE OF PINELLAS COUNTY AND PUTTING IN YOUR
ADDRESS IN THE SEARCH BAR.
>>Karmen: AND WHAT LOAN TO VALUE WILL THE PROGRAM GO TO?
SO LET'S SAY MY HOUSE IS 150,000 AND I ONLY OWE 100,000.
>>Toni Rubino: THAT'S EVEN BETTER, OF COURSE, BECAUSE YOU
HAVE MORE EQUITY.
BUT OUR PROGRAM WILL GO UP TO 145% OF LOAN-TO-VALUE RATIO
BECAUSE OF ALL THE HOMEOWNERS THAT ARE STILL UNDERWATER AFTER
THE CRISIS IN 2008.
SO WE'RE ACCOMMODATING PEOPLE THAT HAVE LITTLE TO NO EQUITY AT
ALL SO THAT WE CAN ASSIST THEM AND GET THEIR HOUSES WHERE THEY
NEED TO BE.
>>Karmen: PLUS, DOING ALL THESE UPGRADES IS GOING TO INCREASE
THE VALUE OF THEIR HOME, I MEAN, ESPECIALLY THE CRITICAL
COMPONENTS -- THE ROOF, THE WINDOWS, THE AC.
>>Toni Rubino: CERTAINLY.
>>Karmen: SO THAT'S AWESOME, TOO.
>>Julian: WOW.
SO, IS THE PROGRAM AVAILABLE FOR INVESTORS THAT OWN RENTAL HOMES
AND WANT TO IMPROVE THEIR RENTAL PROPERTIES?
>>Toni Rubino: UNFORTUNATELY, NO.
OUR FUNDING IS LIMITED TO PEOPLE THAT ARE HOMEOWNER-OCCUPIED
RESIDENTS WITHIN OUR INCOME GUIDELINES.
WE CAN'T CURRENTLY HELP PEOPLE THAT ARE INVESTORS OR PEOPLE WHO
OWN RENTAL HOMES THAT ARE TRYING TO GET UPGRADES DONE IN THEIR
HOUSES.
>>Julian: WHAT STEPS SHOULD A HOMEOWNER TAKE IF THEY ARE
INTERESTED IN THIS PROGRAM?
DO THEY START BY CONTACTING YOU?
>>Toni Rubino: YES.
YOU WOULD CALL THE COMMUNITY DEVELOPMENT AND PLANNING
DIVISION AT 727-464-8210, AND YOU CAN ASK THEM ABOUT
OUR HOME REPAIR PROGRAMS.
WE ALSO CURRENTLY ARE OFFERING AN INDEPENDENT LIVING PROGRAM
GRANT, WHICH IS UP TO $7,000.
NO NEED TO PAY IT BACK.
IT'S GRANTED TO THE RECIPIENTS THAT NEED ACCESSIBILITY
IMPROVEMENTS IN THEIR HOME.
SO IF YOU'RE ELDERLY, DISABLED AND YOU HAVE ACCESSIBILITY NEEDS
IN YOUR HOME, THAT WOULD BE A GREAT FIT FOR YOU OR SOMEONE WHO
LIVES IN YOUR HOUSE THAT HAS ISSUES WITH CERTAIN AREAS OF THE
HOME IN ACCESSING THEM.
>>Karmen: ACCESSIBILITY ITEMS, WHAT WOULD THAT INCLUDE?
>>Toni Rubino: WELL, FOR EXAMPLE, SOME PEOPLE HAVE ISSUES
STEPPING OVER A BATHTUB TO GET IN AND TAKE A BATH.
WE WOULD TAKE OUT THE BATHTUB AND PUT IN AN ACCESSIBLE SHOWER
FOR THAT INDIVIDUAL SO THEY CAN -- IT CAN BE WHEELCHAIR
ACCESSIBLE.
WE ALSO WIDEN DOORWAYS.
IF SOMEONE IS HEARING IMPAIRED, WE CAN INSTALL THE SMOKE
DETECTORS WITH THE LIGHTS.
WE CAN DO -- >>Karmen: THE LIGHT-ACTIVATED
DOORBELL.
>>Toni Rubino: YOU GOT IT.
THE SLIP-PROOF FLOORING, RAMPS, GRAB BARS, YOU NAME IT, ANYTHING
THAT COULD HELP OUR RESIDENTS WITH ACCESSIBILITY IN THEIR OWN
HOME TO HELP THEM STAY IN PLACE.
>>Karmen: THAT IS SO IMPORTANT.
>>Julian: SO IMPORTANT.
>>Karmen: AND ESPECIALLY DOING THAT AS A GRANT.
I MEAN, I KNOW THERE ARE SO MANY ELDERLY PEOPLE THAT JUST --
THEY HAVE NO ABILITY TO REPAY ANYTHING.
EVEN IF IT'S AT A 0% INTEREST, THEY JUST HAVE NO ABILITY.
>>Toni Rubino: RIGHT.
>>Karmen: AND THEY COULD REALLY USE SIMPLE THINGS.
I MEAN, IT'S NOT SIMPLE TO THEM.
THIS IS IMPERATIVE.
YOU KNOW, ACCESS TO THEIR OWN HOME.
GETTING THAT RAMP.
BEING ABLE TO -- THE GRAB BARS TO GET UP AND DOWN.
I'M SURE YOU ALSO DO THE HANDICAP TOILETS AND THINGS
LIKE THAT.
>>Toni Rubino: YOU GOT IT.
THE HIGHER COMMODES WE DO.
YOU NAME IT.
WE RECENTLY HAD A RESIDENT THAT COULDN'T BEND AT THE WAIST.
WE HAD TO INSTALL KITCHEN CABINETRY HIGH ENOUGH TO WHERE
THEY WOULDN'T HAVE TO BEND TO GET THEIR PANS AND POTS OUT OF
THE CABINETS.
>>Julian: OH, WOW.
>>Karmen: THAT IS SO COOL.
>>Toni Rubino: IT'S REALLY A CASE-BY-CASE BASIS AND A NEED
BASIS.
SO IF IT'S CONSIDERED AN ACCESSIBILITY ITEM, IT WOULD BE
COVERED UNDER THAT GRANT.
>>Karmen: AND THE SAME INCOME RESTRICTIONS APPLY IN THAT
PROGRAM.
>>Toni Rubino: CERTAINLY, UP TO 80% OF THE AREA MEDIAN INCOME.
>>Karmen: NOW, LET'S SAY THAT I'M INTERESTED AND I'M INCOME
QUALIFIED, WHAT ARE THE SORT OF STEPS THAT I HAVE TO GO THROUGH
THEN?
AFTER I CONTACT YOU AND YOU SAY, YAY, YOU'RE INCOME QUALIFIED,
WHAT HAPPENS NEXT?
>>Toni Rubino: WELL, WE WORK THROUGH A COUPLE OF NONPROFIT
AGENCIES.
SO WHEN YOU CALL IN, WE REFER YOU TO ONE OF THOSE NONPROFIT
AGENCIES AFTER YOU'RE PRESCREENED AND WE'VE DETERMINED
THAT YOU'RE ELIGIBLE FOR APPLICATION OR WE CAN SEND YOU
AN APPLICATION STRAIGHT FROM OUR OFFICE TO YOUR HOME WHERE YOU
CAN FILL IT OUT AND THERE WILL BE A CHECKLIST OF ITEMS THAT
YOU'LL NEED TO RETURN ALONG WITH THE APPLICATION SO THAT WE CAN
DETERMINE AND VERIFY YOUR ELIGIBILITY.
>>Karmen: AND WHAT IS THE PROCESS FOR DETERMINING WHAT
NEEDS TO BE DONE IN THE HOUSE?
IS THERE AN INSPECTION?
CONTRACTORS COME OUT.
HOW DOES THAT WORK?
>>Toni Rubino: WELL, I'M GLAD YOU ASKED.
WE FIRST WOULD FIND OUT WHETHER OR NOT THE PERSON IS INCOME
QUALIFIED.
IF THEY'VE PASSED ALL THE INCOME QUALIFICATIONS THAT WE
DETERMINE, WE WOULD THEN SET UP WHAT WE CONSIDER A FEASIBILITY
INSPECTION.
WE WOULD GO OUT TO THE RESIDENT'S HOME, DO OUR HOUSING
QUALITY STANDARDS INSPECTION, MAKE SURE EVERYTHING IS
FUNCTIONING PROPERLY.
WE'LL CHECK THE PERMITTING DEPARTMENT, FIND OUT WHEN THE
LAST TIME THEIR ROOF WAS REPLACED, THEIR AC WAS REPLACED,
YOU KNOW, SEE HOW LONG AGO THAT HAPPENED SO WE KNOW WHETHER OR
NOT IT'S ON THE VERGE OF GOING AND NOT GOING TO WORK ANYMORE.
WE ALSO WOULD WORK ON THINGS LIKE, LET'S SAY THEIR STOVE TOP
ISN'T WORKING OR THEIR REFRIGERATOR ISN'T FUNCTIONING
PROPERLY, WE CHECK THE SEALS.
WE MAKE SURE ALL THESE THINGS ARE IN GOOD ORDER SO THAT WE
HAVE A WELL-ROUNDED SCOPE OF WORK THAT NEEDS TO BE DONE FOR
THE RESIDENT.
AND THEY ALSO HAVE INPUT.
IF IT'S NOT A HEALTH-AND-SAFETY ISSUE, IT DOESN'T HAVE TO BE
DONE, BUT WE WANT TO ENSURE THAT EVERYTHING THAT NEEDS TO GET
DONE IS DONE.
>>Karmen: SO THE PRIORITY IS PLACED ON CODE FIRST.
>>Toni Rubino: CORRECT.
>>Karmen: AND ONCE THAT'S TAKEN CARE OF, AND THERE MIGHT BE SOME
MONEY LEFT OVER, THEN WE COULD LOOK AT OTHER THINGS LIKE THE
FLOORING AND THINGS LIKE THAT AND MOVE ON FROM THERE.
>>Toni Rubino: RIGHT.
WE'VE HAD RESIDENTS WITH TROUBLESOME TREES HANGING OVER
THEIR ROOFS THAT, YOU KNOW, THE NEXT STORM COMES, THEY COULD
FALL ON THE ROOF AND DAMAGE THEM.
>>Karmen: BIG SAFETY HAZARD.
>>Toni Rubino: EXACTLY.
SO WE CAN DO TREE TRIMMING.
WE CAN PAINT EXTERIORS OF THE HOUSE.
REPLACE WITH IMPACT WINDOWS SO DURING HURRICANE SEASON YOU'RE
NOT SITTING ON EDGE WONDERING IF A GUST IS GOING TO BREAK YOUR
WINDOWS IN.
THERE'S A LOT OF THINGS THAT COME WITH THE PROGRAM THAT IT
WOULD HAPPEN ON A CASE-BY-CASE BASIS AND A NEED BASIS.
>>Karmen: AND HOW IS THE CONTRACTOR CHOSEN TO DO THE
ACTUAL WORK?
>>Toni Rubino: WELL, THE HOMEOWNER CAN SELECT THE
CONTRACTOR SO LONG AS THE CONTRACTOR IS LICENSED AND
INSURED AND NOT WHAT WE CALL IN THE HUD'S DEBARMENT LIST,
MEANING THEY'VE BEEN BAD AND GOT X'D OUT BY HUD.
BUT IF THEY CHOOSE NOT TO SELECT THEIR OWN CONTRACTOR, THE COUNTY
HAS A JOB ORDER CONTRACTING SYSTEM WITH VETTED CONTRACTORS
INCLUDED IN IT. AND THEY CAN ALSO OPT TO DO THAT
IF THEY DON'T WANT TO GO THROUGH THE WORK OF SELECTING THEIR OWN.
THROUGH THE NONPROFIT ENTITIES, THEY DO A BID SYSTEM WHERE THEY
HAVE AT LEAST THREE CONTRACTORS COME OUT AND BID ON THE WORK,
AND THE HOMEOWNER GETS TO REVIEW THE BIDS AND DECIDE WHICH
CONTRACTOR BEST FITS THEIR NEEDS.
>>Karmen: ONE CRITICAL QUESTION I FORGOT TO ASK UP FRONT.
IS THERE A MAXIMUM AMOUNT OF MONEY?
>>Toni Rubino: CERTAINLY.
WE HAVE UP TO $40,000 AVAILABLE AT 0% INTEREST FOR HOMEOWNERS.
DEPENDING ON HOW MUCH MONEY THEY UTILIZE OF THE LOAN WOULD
DETERMINE HOW LONG THE LOAN IS AMORTIZED OVER.
THE MAXIMUM PAYMENT WOULDN'T EXCEED $150 A MONTH.
>>Karmen: WOW.
>>Julian: WOW.
>>Karmen: I KNOW 40,000 CAN GO A LONG WAY BECAUSE I'VE BEEN
SAVING UP AND DOING REPAIRS MYSELF OVER THE LAST SEVERAL
YEARS.
>>Toni Rubino: CERTAINLY, YES.
>>Karmen: AND I DID MY ROOF, MY AC, AND I JUST FINISHED UP
WITH WINDOWS.
AND THAT WOULD COVER ALL OF THAT.
>>Toni Rubino: RIGHT.
IT WOULD COVER A LARGE CHUNK OF THINGS THAT NEEDED TO BE DONE.
AND WHEN YOU'RE JUST PAYING ON PRINCIPAL ALONE WITH NO
INTEREST, YOU'RE MERELY JUST MAKING PAYMENTS ON SOMETHING
THAT JUST IS LIFE CHANGING TO YOUR ENVIRONMENT.
>>Julian: YEAH.
>>Karmen: AND I CAN TELL YOU IT IS.
MY ENERGY BILL -- AND THE FINAL PIECE WAS THE WINDOWS THAT WE
PUT IN -- DROPPED IN HALF.
>>Toni Rubino: RIGHT.
>>Julian: WOW.
>>Karmen: I WENT FROM PAYING $220 A MONTH, AND MY LAST BILL
WAS $96.
>>Toni Rubino: NOT TO MENTION, KARMEN, PEOPLE MAY BE SKEPTICAL
ABOUT, YOU KNOW, OH, MY WINDOWS ARE OKAY, BUT THEY ARE NOT THE
GREATEST.
THEY ARE ROLLOUTS.
YOU CAN LOSE SO MUCH ENERGY THROUGH THE WINDOWS WHICH NOT
ONLY AFFECTS YOUR ENERGY BILL, BUT IT AFFECTS THE LIFE SPAN OF
YOUR AC UNIT.
>>Karmen: EVERYTHING.
>>Toni Rubino: EVERYTHING.
AND WITH THOSE THINGS, LIKE YOU SAID, YOUR POWER BILL IS CUT IN
HALF SOMETIMES.
AND NOT ONLY THAT, YOUR INSURANCE PAYMENTS, WHEN YOU
HAVE INSURANCE ON THE HOUSE AND YOUR ROOF IS OLD, YOUR WINDOWS,
YOUR INSURANCE IS TYPICALLY HIGHER.
YOU CAN GET A WIND MITIGATION INSPECTION, A FOUR-POINT
INSPECTION ONCE THESE UPGRADES ARE DONE, AND I'VE SEEN PEOPLE'S
INSURANCE BILLS CUT PRETTY EXTREMELY.
>>Karmen: I'M GLAD YOU MENTIONED THAT BECAUSE EVERY TIME I'VE
DONE AN IMPROVEMENT, I'VE CONTACTED MY INSURANCE AGENT,
AND I SAID, HEY, I JUST DID THE ROOF.
I JUST DID THE ATTIC INSULATION.
I JUST REPLACED THE AC.
I JUST FINISHED THE WINDOWS, AND THEY'VE TURNED IT IN.
AND IT'S BEEN A DIMINISHING DECREASE ON MY INSURANCE,
BUT ANY DECREASE ON THE INSURANCE IS GOOD SINCE THEY GO
UP SO MUCH HIGHER.
SO IT'S REALLY JUST BEEN GREAT.
AND SO PEOPLE NEED TO REMEMBER TO DO THAT, TOO.
THAT'S LIKE THE FINAL PIECE OF THE PUZZLE TO HELP WITH YOUR
OVERALL EXPENSES.
BALLPARK IDEA, HOW LONG DOES THE PROCESS TAKE ONCE THEY GET
INCOME QUALIFIED?
THAT CAN, DEPENDING ON THE CLIENT, TAKE THE LONGEST.
>>Toni Rubino: RIGHT.
>>Karmen: THEY HAVE TO GET THE DOCUMENTS IN AS FAST AS POSSIBLE
AND NOT DAWDLE, BUT AFTER THAT PART IS DONE.
>>Toni Rubino: WELL, IT DEPENDS WHICH ROUTE THEY CHOOSE TO TAKE.
IF THEY CHOOSE TO SELECT THEIR OWN CONTRACTOR, IT'S SEMI IN
THEIR HANDS.
BECAUSE ONCE THE CONTRACTOR CONTACTS ME, WE WOULD GO OVER
THE SCOPE OF WORK THAT NEEDS TO BE DONE.
WE HAVE PICTURES AVAILABLE FROM OUR INSPECTION THAT WE'VE
PROVIDED TO THE CONTRACTOR.
AND WE WOULD MEET WITH THE HOMEOWNER TO GO OVER THE
PROPOSAL TO MAKE SURE THAT THEY ARE COMFORTABLE WITH EVERYTHING
BEFORE WE WOULD MOVE FORWARD WITH A CLOSING AND SIGN THE
MORTGAGE AND EVERYTHING TO GET THINGS MOVING.
TYPICALLY AFTER THE CLOSING, THEY HAVE, OF COURSE, THE
THREE-DAY RESCISSION TO CHANGE THEIR MIND IF THEY DON'T WANT TO
MOVE FORWARD WITH THE TRANSACTION, AND THEN THEY WOULD
START CONSTRUCTION SHORTLY THEREAFTER.
WE GIVE UP TO 90 DAYS FOR THE CONTRACTOR TO COMPLETE THE
CONSTRUCTION PROCESS.
>>Karmen: THE CONTRACT IS BETWEEN THE CONTRACTOR AND THE
HOMEOWNER.
IT REALLY DOESN'T INVOLVE THE COUNTY, CORRECT?
>>Toni Rubino: THAT'S CORRECT.
IF THEY SELECT THEIR OWN CONTRACTOR, THE CONTRACT IS
GOING TO BE BETWEEN THE HOMEOWNER AND THE CONTRACTOR.
IF THEY SELECT TO GO THROUGH THE COUNTY'S JOB ORDER CONTRACTING
SYSTEM, THE CONTRACT IS BETWEEN THE COUNTY AND THE GORDIAN
GROUP, WHICH IS THE JOB ORDER CONTRACTING OVERSIGHT SYSTEM.
>>Karmen: THAT'S GOOD TO KNOW.
>>Toni Rubino: AND THEY HAVE THE CONTRACT WITH THE CONTRACTORS.
>>Karmen: OKAY.
THAT'S GOOD TO KNOW.
>>Julian: YOU KNOW, I WAS LISTENING TO YOU AND I WAS JUST
WONDERING, IN YOUR EXPERIENCE DOING THIS, HAVE THERE BEEN ANY
UPGRADES OR IMPROVEMENTS THAT HAVE BEEN MADE THAT YOU DIDN'T
EVEN -- THAT LIKE SURPRISED YOU, THAT YOU WEREN'T AWARE OF
BEFORE?
>>Toni Rubino: YES, ACTUALLY THERE HAVE.
I HAD A WOMAN THAT HAD AN AMBULATORY ISSUE WHERE SHE
COULDN'T GET UP THE STEPS TO HER HOME.
THE COUNTY WAS ABLE TO FIND A CONTRACTOR THAT HAD THE
CAPABILITY OF DOING A STAIR CHAIR THAT WENT FROM THE
FIRST FLOOR ALL THE WAY UP. AND IT WAS A TARPON SPRINGS
HOUSE.
AND IF YOU KNOW HOW THOSE CAN BE SITUATED ON HILLS, IT HAD TO BE
AT LEAST A TWO-STORY UP.
SO IT WAS KIND OF LIKE WHAT I WOULD CONSIDER LIKE AN ELEVATOR.
>>Julian: WOW.
>>Toni Rubino: SHE WHEELED HER WHEELCHAIR INTO THE AREA.
THEY CLOSED THE GATE, WENT UP, AND SHE WAS ABLE TO ACCESS HER
PATIO, AND THEY HAD -- >>Karmen: SO COOL.
>>Toni Rubino: SO COOL, AND IT GAVE HER SO MUCH MORE ACCESS TO
THE OUTSIDE WORLD, AND SHE WAS VERY GRATEFUL FOR THE UPGRADE.
LIKE I SAID, SOME OF THESE THINGS ARE LIFE CHANGING FOR
PEOPLE THAT, YOU KNOW, WOULDN'T OTHERWISE BE ABLE TO ACCESS
THEM.
AND AS WE WERE TALKING ABOUT THIS, LOWERING YOUR LIGHT BILL
AND YOUR INSURANCE BILL, SOMETIMES THOSE COSTS OFFSET THE
PRICE OF WHAT YOU'RE ACTUALLY PAYING MONTHLY IN THE LOAN.
SO IT'S A WIN-WIN SITUATION FOR EVERYBODY.
>>Karmen: IT IS.
IT IS.
>>Julian: THAT'S AMAZING.
YOU KNOW, IT'S SO IMPORTANT FOR OUR LISTENERS ESPECIALLY TO HEAR
THESE THINGS BECAUSE YOU JUST DON'T KNOW WHAT PEOPLE ARE GOING
THROUGH AND WHAT KIND OF HELP THEY NEED, AND THEY MIGHT NOT
KNOW THAT THIS KIND OF HELP IS AVAILABLE.
>>Karmen: AND, YOU KNOW, THAT IS SO TRUE.
I MEAN, I'VE BEEN TALKING ABOUT THESE TYPES OF PROGRAMS NOW FOR
TEN YEARS.
AND EVERY TIME I'M OUT IN PUBLIC AND I TALK ABOUT, WHETHER IT'S
THE HOUSING FINANCE AUTHORITY AND OUR PROGRAMS OR OTHERS I
KNOW OF WITH THE COUNTY, PEOPLE ARE LIKE, "REALLY?
I HAD NO IDEA."
AND YET, UNLESS I'M MISTAKEN, THIS HOME IMPROVEMENT PROGRAM
THROUGH COMMUNITY DEVELOPMENT HAS BEEN AROUND FOR 20 YEARS.
>>Toni Rubino: FOR A VERY LONG TIME.
AND THERE ARE PEOPLE THAT HAVE NO IDEA.
AND JUST RECENTLY -- REALLY INTERESTING -- THROUGH THE
LEALMAN ASIAN FAMILY CENTER, I RECEIVED A VIETNAMESE-ONLY
SPEAKING CLIENT, AND I WAS ABLE TO ASSIST THEM IN A HOME REHAB
PROGRAM.
>>Karmen: REALLY?
>>Toni Rubino: AND IT WAS VERY, VERY REWARDING.
ALTHOUGH THERE WAS A LANGUAGE BARRIER, I WAS ABLE TO FIND
SOMEONE THAT SPOKE VIETNAMESE.
WE WERE ABLE TO GET IT DONE.
AND SO PEOPLE WITH LANGUAGE BARRIERS, I DON'T SAY STAY AWAY
BECAUSE WE CAN'T UNDERSTAND YOU.
WE'LL FIND SOMEONE TO HELP YOU, AND WE WILL GET IT DONE.
>>Karmen: OH, THAT IS SO NICE.
>>Julian: THAT IS AMAZING.
SEE, THERE'S SO MUCH GOOD STUFF.
I'M GLAD WE HAVE PEOPLE LIKE YOU TO COME ON OUR SHOW AND JUST
SHINE MORE LIGHT ON THESE, BECAUSE IT'S VERY IMPORTANT AS
WE'RE HEARING TODAY.
>>Toni Rubino: YES.
>>Karmen: IT IS.
YOU KNOW, TONI, YOU'RE GOING TO HAVE TO PUT A LINK TO THIS SHOW
ON YOUR WEBSITE SO THAT PEOPLE, YOU KNOW, CAN -- GET YOUR
NONPROFITS TO GO AHEAD AND LINK TO IT.
GET THE WORD OUT TO PEOPLE SO THAT PEOPLE KNOW THIS PROGRAM IS
THERE FOR YOU.
>>Toni Rubino: CERTAINLY, CERTAINLY.
>>Karmen: IT'S JUST SO COOL.
>>Toni Rubino: AND EVEN WHEN I'M NOT AT WORK, I'M HAPPY TO TALK
ABOUT IT BECAUSE, I MEAN, IT REALLY IS A GREAT THING, AND I
WANT EVERYBODY TO BE ABLE TO TAKE PART IN IT, IF THEY HAVE
THE ABILITY TO, AND BENEFIT FROM IT.
>>Julian: WHAT KIND OF ADVICE DO YOU HAVE FOR PEOPLE WHO ARE
LIKE, OKAY, I NEED THIS?
WHAT WOULD YOU TELL THEM TO DO IF THEY HEAR THIS AND WHEN THIS
SHOW IS OVER THEY WANT TO CONTACT YOU?
>>Toni Rubino: CALL THE OFFICE.
YOU'LL BE ROUTED TO MY PHONE.
I'LL PRESCREEN YOU, DO EVERYTHING I CAN.
IF I CAN'T HELP YOU, I'LL TRY TO REFER YOU TO SOMEONE WHO CAN.
AND IF I CAN, I HAVE A LIST OF PEOPLE'S NAMES, AND IF I NETWORK
AND I FIND SOMEONE THAT CAN HELP YOU, YOU'LL HEAR FROM ME AGAIN.
>>Karmen: WHAT IS THAT PHONE NUMBER, TONI?
>>Toni Rubino: 727-464-8210.
>>Karmen: AND YOUR WEBSITE?
>>Toni Rubino: www.pinellascounty.org.
IF YOU CLICK ON THE COMMUNITY DEVELOPMENT LINK ON THE MAIN
PAGE, IT WILL TAKE YOU RIGHT TO OUR WEBSITE.
WE HAVE FLYERS ON THERE THAT GO OVER OUR HOME-REPAIR PROGRAM,
GUIDELINES.
I THINK THE INCOME INFORMATION IS RIGHT ON THOSE FLYERS AS WELL
AS OUR INDEPENDENT LIVING PROGRAM GRANT FLYER, OUR DOWN
PAYMENT ASSISTANCE FLYER, AND ALL THE MANY OTHER VARIOUS
THINGS THAT OUR DEPARTMENT DOES FOR THE COMMUNITY.
>>Karmen: I THINK A LOT OF PEOPLE KIND OF OVERLOOK
COMMUNITY DEVELOPMENT SOMETIMES AND JUST DON'T REALIZE ALL OF
THE THINGS THAT THE DEPARTMENT DOES IN THE COMMUNITY TO TRY TO
HELP PEOPLE.
>>Toni Rubino: SOME PEOPLE DON'T EVEN REALIZE THEY EXIST.
>>Karmen: I KNOW.
IT'S AMAZING, ISN'T IT?
>>Julian: THIS IS ALL OF PINELLAS COUNTY, RIGHT?
>>Toni Rubino: ALL OF IT IS PINELLAS COUNTY, YES.
>>Julian: WOW.
SO MANY PEOPLE COULD GET HELPED BY THIS.
THIS IS -- AGAIN, EVERY MONTH WE DO THIS.
>>Karmen: WE LEARN SO MUCH.
>>Julian: WE LEARN SO MUCH.
WE'RE IN AWE.
SO I KNOW THAT THERE'S PEOPLE LISTENING WHO JUST COULD REALLY
BENEFIT FROM SOMETHING LIKE THIS.
AND I'M SURE YOU'VE SEEN SO MANY STORIES OF PEOPLE, LIKE YOU
SAID, WHOSE LIVES HAVE BEEN CHANGED.
>>Toni Rubino: YEAH.
THERE'S MANY PEOPLE WHO ARE JUST SO GRATEFUL FOR THE HELP THAT
THEY HAVE RECEIVED, AND YOU CAN JUST TELL THE DIFFERENCE THAT IT
MADE IN THEIR LIVES.
>>Karmen: SO ONE LAST THING I'M THINKING THAT'S JUST COMING FROM
MY HFA SIDE, BUT QUICK TIPS FOR PEOPLE WHO WANT TO CONTACT YOU,
PAPERWORK MAYBE THEY SHOULD GET TOGETHER TO HAVE AVAILABLE TO
HELP THEM MOVE THROUGH THE PROCESS FASTER.
>>Toni Rubino: OKAY.
SO SOME OF THE THINGS THAT YOU'LL FIND ON OUR CHECKLIST OF
ITEMS THAT WE'LL SEND TO YOU WITH THE APPLICATION WOULD
INCLUDE A COPY OF YOUR FLORIDA DRIVER'S LICENSE OR ID.
WE NEED THE MOST RECENT SIX MONTHS' WORTH OF BANK
STATEMENTS.
WE ALSO NEED -- IF YOU HAVE A JOB, WE NEED A MONTH'S WORTH OF
PAY STUBS.
IF YOU'RE ON SOCIAL SECURITY DISABILITY OR YOU HAVE A
PENSION, WE NEED YOUR AWARD LETTER OR YOUR ANNUAL STATEMENT
FROM THEM AND ALSO THE PAST TWO YEARS' TAX RETURNS DOCUMENTS.
>>Karmen: SO IF PEOPLE HAVE THAT TOGETHER WHEN THEY CALL,
IT MAKES THE BEGINNING OF THE PROCESS MUCH EASIER.
>>Toni Rubino: MUCH, MUCH EASIER.
THAT TAKES A LOT OF TIME FOR SOME PEOPLE TO GET THOSE ITEMS
TOGETHER.
SO IF YOU GET A HEAD START, MORE POWER TO YOU.
GET YOUR APPLICATION IN JUST THAT MUCH QUICKER.
>>Julian: WELL, WE ONLY HAVE A FEW MOMENTS LEFT.
SO I THINK IT'S THE PERFECT TIME TO WRAP UP TODAY'S SHOW.
IT'S BEEN, AGAIN, ANOTHER AMAZING SHOW.
I WOULD REALLY LIKE TO THANK OUR GUEST, TONI RUBINO, WITH THE
PINELLAS COUNTY COMMUNITY DEVELOPMENT AND PLANNING
DIVISION.
THANKS FOR LISTENING TO US ON WRXB 1590 AM, 96.5 FM, AND
WATCHING US ON PINELLAS COUNTY CONNECTION TV.
IF YOU MISSED ANY PART OF THE SHOW OR WOULD LIKE TO VIEW PAST
SHOWS, CHECK OUT THE WEBSITE OR YouTube.
I'M JULIAN HILLS.
>>Karmen: AND I'M KARMEN LEMBERG.
>>Julian: THANKS FOR TUNING IN AND MAKE IT A GREAT DAY.
[ MUSIC ]
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