Episode 68: The Public Adjuster's Secret to Securing Bigger Claims with Andy Gurczak

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Who is the Guest?

Investors and real estate owners will inevitably experience risks, such as fire accidents, flood/water damages, and other potential calamities, natural or otherwise. What are the right steps to take when we contact our insurance companies? 

Our guest,  Andy Gurczak, is going to be answering these questions for us today. 

Andy is a private insurance adjuster primarily in the Chicago and Indiana land market. Founder of the AllCity Adjusting, he has been making changes and helping people with their insurance, making sure that they make the right moves and teaching you how you can protect themselves if the insurance adjuster does not provide fair compensation.

Visit Him at: 

Cellphone Number: 708-655-4186

LinkedIn: https://www.linkedin.com/in/andy-gurczak-528b9b64/

Website: https://www.allcityadjusting.com/

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Transcript

Axel Meierhoefer: 0:02

Hello, and welcome to another episode of The IDEAL Investor Show. Today, I want to talk to nd girl shark and I want to really have a conversation because that has happened to me. And I'm sure this is potentially happened to you as well when something happened and you have insurance. And you say, Okay, well, that's what I have insurance for, I want to file a claim. And you'll file a claim and you get some money out of it to do the repair or fix whatever got broken. And then wonder, was it really as much as I could get out and and use an expert on how to get the maximum out of whenever something breaks, so that you really have to come out as little as possible out of pocket. So here's a public adjuster, he is not beholden to anybody. And that will really be an awesome discussion to find out. How do we actually get that done? All right, hello, everybody. Here is another episode on The IDEAL Investor Show today we do something special. And I've been waiting for the opportunity to have nd and eco shack actually on our show, because he specializes in an area that we may not thinking as much about until something happens. So Andy, welcome to the show. How are you today?

Andy Gurczak: 1:23

Thank you. Excellent. Thank you for having me. I'm doing great.

Axel Meierhoefer: 1:25

So let me just my understanding is Andy is working for basically, his clients helping them when they have to file an insurance claim. And in our little conversation before we started recording, I was saying, well, everybody that listens to us and to our show is either already a real estate investor or on the path to become a real estate investor. And if you do, then you know that you have to have insurance for every property and stuff can go wrong. So maybe we started out any with you telling us how did you become the premium adjuster?

Andy Gurczak: 2:04

I like the word premium. I'm going to use that one by title. Because yeah, I like that, how I got into this axle. So I was in sales and construction, did kind of all the trades met a public adjuster that was in this deal for 40 years. Here in Chicago. He took me under his wing metric me for three years, I think a little bit over three years and kind of tapping into business that he learned in four years. So it all kind of fell into place. I mean, it wasn't given to me, I definitely had to chase him and get him to help me. But once he taught me the business now on my own, we opened up off the adjusting, and then started getting into spreading us into different states getting our licenses in different states and kind of tailor in our business to help investors, landlords, business owners, kind of as our main customer.

Axel Meierhoefer: 2:50

Okay, yeah, that's really cool. Now, I know sometimes I'm weird, and I might be asking, we had fresh. I was like, even when I was preparing and not listening to you, I'm like, Okay, so here's Andy. He's sitting at home and seeing what's a really exciting business? And the answer is Oh, yeah, insurance, and especially filing claims and filling. What's the fascination? What kind of triggered you to say, hey, I really want to go into this. I think this is a worthwhile endeavor.

Andy Gurczak: 3:15

Yeah. So it started with doing fire restoration projects, that meaning herb and then learning the side where he was actually doing all the work to get us the job meaning during the negotiations during the estimates, the one that contents helping people relocate, and that just are fascinating. I'm a goal. I like construction. But I like what he's doing even more like that. He's doing all the real work behind the scenes. So that kind of gravitated to me. And then as I started researching it, there wasn't much on mine. But once I got a hold of him, and he took me under his wing and kind of explained everything that happens behind the scenes. I was like, wow, okay, this is I like this, you really get to help people like you are the first in line to help these people. And they might not even need they don't even understand that they need you yet or anything like that. So yeah, I was it wasn't something that I knew about it. So

Axel Meierhoefer: 4:02

no, absolutely. That's cool. And I suspected you would say something along the way

Andy Gurczak: 4:07

just to drop back. So I was actually before I started that I was ready to go into wholesaling. I had a whole year, the yellow letter ready to go. And then her back she called me back this like kind of all happened at once and said, Hey, I got some time I can teach you the business. So

Axel Meierhoefer: 4:22

yeah, that's very cool. And congrats for getting as far as we have gotten. Now, one thing that I would say our audience is probably, you know, assuming is okay, I have insurance policies for all kinds of things on my car and on my belongings in my house and obviously on my investment properties and if something goes wrong, and let's say there is a storm or some damage for whatever reason to an accident. Yeah, I would file a claim. Now when I went to your website I saw where that is probably kind of what people would assume but if they were to contact you, they have a better chance or maybe get more out of it. Can you explain a little bit what makes you go what's different and and what the benefit would actually be for somebody who works with you?

Andy Gurczak: 5:05

Yeah. So you have to understand the insurance companies in the business to make money. They're not there to just give away money, if they can under pay the claims. And then again, it's maybe not done by, because that's the goal. But the claims get underpaid. I mean, I think that 90 Over 90% of claims get underpaid. So when we get the claim, you know, we're representing the insurance. So our goal is to maximize that claim, every claim we get, there's money there that should have been paid there wasn't paid, right. So having a PA having a private a justice on your side, it's like having a good accountant or having a good attorney. It's just someone part of your team. That's maximizing. It's helping you get through the process. In our case, it's helping maximize the claim, and helping our not only sometimes getting the claim paid, and maximize it, but actually getting it paid, not denied, or not delayed. Because a lot of claims we get to a lot of calls we get is from people that their claims were denied. That's happening more and more or people that are under investigation. And then when we ask why are you under investigation, and we look through all the paperwork, there's no reason they should have been under investigation or denied in the first place. But because they didn't know how to handle it. And they said the wrong stuff by accident. Now they're in this spot. So

Axel Meierhoefer: 6:13

okay, yeah. So when you say under investigation, just to clear that up real quick. Is that the assumption that somebody is filing something that is fraud? Or not really true? Or something?

Unknown: 6:23

Well, no, the insurance company could put you on a receipt for any reason. Or you maybe you said the wrong thing. There's many reasons they can put you. And it's not investigation where they're sending out some invest. It's just that means they're delaying the claim process. It's all they're doing. They're delaying it. They're asking for documents, because in your policy, they have the right to investigate the claim, and what they mean and say maybe we need some records of receipts that you actually purchase and stuff and stuff like that. But it's kind of a process to be liked claims.

Axel Meierhoefer: 6:49

Yeah. Understood. Now, as an investor, you know, on the one hand, I think and I find more and more the older I get, the more I work in this industry. But even in general, I would say, I find more and more cases, where whatever the topic is, it seems to be ultimately a balancing act. When I put myself on the one side of the balance, so to speak of the scale, I would say, okay, as an investor, I obviously try to keep my insurance premiums at a reasonable level, right? And I have to kind of figure out how much do I want to have as a deductible and those kinds of things. On the other hand, if something were to happen, I want to be one of those people represented by Andy, who gets the maximum that is possible. And I understand that when you say the insurance companies, you know, want to pay as little as they can get away with is obviously because that's where they make the money between collecting premiums and paying out as little as possible. Can you take us maybe through an example where you would see this is kind of what the situation was for a client who maybe try the first themselves? And then you had them suggest to our audience gets a little bit of an idea? What can be the impact? If you have like somebody who's doing this every day like you do to represent you, as the policyholder?

Unknown: 8:02

Yeah. So we can go into different examples of where someone was denied. Or we'd like to usually start a claim process where majority of our clients were the ones handling the claim from the beginning. But I'll give you an example of a client that called us he heard us on I think, was a podcast or what someone with them as mentors, referred them to us. I was a claim 16 in the head of fire, the adjuster came out his limit was 500,000. But he had an actual cash value policy, meaning it was what it's worth now. So the depreciation that they take out wouldn't be paid to him. So the adjuster if you had 500,000, in his policy, the adjuster wrote an estimate for 500. But then they took 250 out and said, Here's 250, the other 250 That's depreciated, you can't recover. So when we came in, I could tell right away looking at the damage pictures and looking at the estimate that he stopped writing the estimate, because he's overworked, and they don't have time. Right. So when we got hired, he first of all turned around to our insurance. And why'd you hire a PA already paid your limits? Well, he didn't, because he's got an actual cash value policy. So when we came in and wrote our estimate, and and negotiated the claim, our estimate was a maximum of eight like over 800,000. So after even the depreciation, we got a claim for policy limit of 500,000 plus all these other endorsements, so he walked away with another 303 50. On that claim, for example.

Axel Meierhoefer: 9:21

Yeah, that's a great example. And thanks for sharing that and you know, you use the term depreciation, and that might scare some of our investors. Can you kind of explain a little bit what that means? And I'm actually seriously Okay, moving on talking about the tax depreciation.

Andy Gurczak: 9:38

No, it's okay. So depreciation is a policy is recoverable, it's RCD policies will cover the depreciation. So if they pay you, for example, I'll make this really easy. They'd give you $100 for the TV that you purchase five years ago, but you purchased it five years ago. So they're going to depreciate it by 50%, for example, which is $50. So they're going to give you 50 upfront that 50 is the depreciation which that gets paid when you replace that TV or in home orange structure wise, once you do the repairs is when you get that money that depreciation.

Axel Meierhoefer: 10:10

Now I've just is there a way and I'm always assuming that in our policies, at least the ones that I have for our properties, that we have actually a replacement value in the policy. So can you kind of say, is that true? Is that a misconception?

Andy Gurczak: 10:24

So most policies are replacement costs. But now with now with all these premiums go on, what agents are doing is to say no on premiums, they're selling Actual Cash Value policies are adding Actual Cash Value endorsements, we see more and more, right? When we look at estimates and say, Oh, the clients like, Well, I only got 20,000. Well, no, tactically, you got 50, but they're taking 30. And you only have actual cash value. So now you can even recover that 30.

Axel Meierhoefer: 10:50

So you guys also helping somebody to review what kind of policies they have before some claim needs to be fired?

Andy Gurczak: 10:58

Yeah, thank you for asking. So for majority of our clients, even for our listeners, I'll include my number of time. Yes, we are investors on new clients, I always ask send us your policies, the addresses some pictures of the building, let us see if you have any open gaps, right, any open exposures, we have no problem we have a team here will look at the policy, we'll look at the building. And we'll see you know, if there's anything missing or any other coverages, we could recommend to make sure that you are covered 100%. Even if you have all the right coverages is this claim process is going to be smooth? No, it's never as I don't think. But least you have coverage so that we can at least fight the Hey, he does have covered our client does have coverage. Now we just got a negotiated settlement.

Axel Meierhoefer: 11:39

Yeah, no, I get that. And I don't think that's necessarily the expectation. One thing, why I love to bring guests like you, Andy on to the show is the concept that we are basically following is that we want to help as in IDEA wealth grow as our organization, we want to help people who make good income, have a good job, have maybe some savings and want to invest in real estate, help them to generate passive income. That's kind of like the fundamental goal. And we talking about the time freedom point where through the accumulation of multiple properties, you're increasing, you know, like, if you get to $300 each property, if you do this long enough, you're ultimately through rent increases and stuff like that, you can work your way to three, four or five $6,000 or more per month in passive income. But the word passive is not just purely for reaching this time freedom point where you maybe don't want to have to work anymore, but also to seeing how can I actually do my investing in holding these properties as an owner as passively as possible, which means for example, buying the properties from turnkey providers who just freshly renovated them. And so you don't have to be worried that the appraisal of the property and the asking price don't match, having insurance people that actually provide the insurance policies specifically for real estate investors, and so forth. So making all the kinds of things possible passive, and I would hope is kind of like helping our audience to say, Okay, now we know any, and we can basically make that adjusting if it's ever unnecessarily passive, in a sense to say, Okay, well, for anybody who hasn't done it yet, or would like to know, can basically contact you and have the policies review that also, if something were to happen, instead of going through what you just said, you know, like, it's always going to be an asset to say, well, I rather have NDA, his cool half the house and I'm staying passive as much as possible. So is that kind of like how people can kind of have you in your back pocket for that particular part of the pie?

Andy Gurczak: 13:39

100%. It's just like, when you're building a real estate team, right? And every probably real estate investor or mentors always says, Hey, build a team, right? Have an attorney, have a good agent, have all these people in your back pocket, it's the same thing with the public adjuster, it's your private adjustment. When you have a claim, you call him and he handles the claim for you. And you know, we, my wife have our own rentals. And we've had claims on our rentals, and the hassle that it went through on my like, knowing this business owner as an issue being in this industry over 10 years handling all these claims for people, even on my own claims, the hassle that we went through, I was just like, I mean, sort of, I was doing that and had no clue. We'll never in this industry. I have no idea how I'll get through it.

Axel Meierhoefer: 14:20

Right. Okay. Yeah, that makes sense. Now, one thing I wanted to come back to at the beginning, we spoke a little bit about this balancing act between having the different kinds of coverages I would hope that most people would look for replacement coverage policies. But the other question obviously, when you are looking for cash flow generation, and you said you and your wife have properties to is you don't well, I would say you want to optimize your cash flow. And if you want to do that any cost position is worth evaluating, which for insurance I always feel it's important to have some guideline or a principle that one an investor sets for themselves to see okay, what is deductible that I'm comfortable with. And I'm kind of curious, since you're dealing with this all the time, if you, you know, I understand that the first answer is if you have the lowest possible deductible, you don't have to come out of pocket, but we're teaching our clients that you want to build a reserve that easily handles for the case that you really have a significant claim the deductible anyway, I personally for myself, just to be full disclosure, I always go with $5,000. Some people find that to be high. I think for investment properties, this is acceptable and reasonable. But I'm curious, what would you say? And how do you actually advise your clients when it comes to how much deductibility you think is reasonable?

Andy Gurczak: 15:39

Yeah, I'm happy you brought this up. Not many people actually bring this up. What you brought up right there is instead of removing coverages and removing protection that would protect you what you're all you're doing is you're upping your deductible, and that's going to lower your premium. And as long as you have the reserves for it, you're okay, a $5,000 claim, you probably shouldn't file anyways. Because even if you had a $2,000 deductible, when clients call us than they do all the time, and they call the team, hey, can you guys take a look at this? Do we have a claim here? Now you do. I mean, there's damage, but it's$3,000 in damage, you really want to file a claim your deductible is 1000 hours, we would advise not to file a claim. So we've looked at all that small stuff. So what you're saying is makes sense. You know, you're better up in the deductible and putting reserves in your bank for that deductible. And that will lower your premium instead of removing coverages. We don't need this coverage. We don't need this coach, because that's what agents do when you tell an agent. Well, I can't do 1000 miles, or 1000 a year, I'm sorry, for my premium. Okay, well, then, how do you think he gets from 1000? To 810? Yeah, exactly. Yeah, he has to remove coverage.

Axel Meierhoefer: 16:40

Yeah, in that context, I totally agree. And I'm glad that you agree to that, rather than having a little bit higher deductible is better than somehow, you know, cutting out any kind of coverages that we should have. One thing I think that is a little bit of a myth, at least for me has always been a myth. And that is, in a case where there's really something severe, like, I'll give you a little scenario. Some of our listeners know this has been a few years ago, when I first brought this up, I never knew that there's such a thing like the retro until some friends of mine in Idaho explained it to me, basically, my definition is it's basically a hurricane, but it's overland, so to speak. And they had that in the area where we have a few properties, and I only saw it on the news, the damage was literally similar what you would see like in Alabama, or Florida from a hurricane, and I'm like, Oh, I'm afraid, right? Like it's Did something happened to my properties. We were very lucky. But one of the things that came up is that quite a few people had damages. And they were just tiny, like, like a big tree falling into the roof or stuff like that. So I'm kind of curious. And I hope our audience members are also somewhat curious, because I've always felt this is a little bit of a myth. What actually happens, let's say, we need a new roof, right? Like the tree fell into the roof. We need a brand new roof, remove all this stuff, get the tree away, let's say it's a$20,000 thing. We go to you, Andy, you do everything and you get the $20,000 and maybe even some loss, rent coverage and stuff like that. Correct. But the thing that I believe a lot of people that are curious about and I always hear, you know, horror stories is what happens after all that is done, do I have to pay double, triple, quadruple my premium? Or what's after the adjusting?

Andy Gurczak: 18:24

When people bring that up to me? Or to us? I? Like, have they not raised your premiums in the last five years? Because if you look at the premiums from five years ago, 10 years ago, you've told me you've been in this 20 years. I mean, when you started if you looked at premiums from 20 years ago, where are they now? And you barely filed claims? You said you guys don't have that?

Axel Meierhoefer: 18:41

I mean, it's not you know, everybody has that individual thing there.

Andy Gurczak: 18:46

Yeah, premiums go up every year, no matter, you know, that whole false narrative of Yeah, I don't want to file a claim because my, if I file a claim my insurance premiums gonna go, now your insurance premium is gonna go up anyways, because they're taking the target. They're taking the risk area, that whole area and how many claims? So if that's a high risk area, they're gonna raise premiums anyways.

Axel Meierhoefer: 19:05

Okay, yeah. But I think the myth is, I'm basically getting punished because I filed a claim, is that true? Or do you

Unknown: 19:12

That's false, they cannot raise your premium based on on a single claim that you filed a claim. Now, if you have, for example, three claims in a year, insurance might drop you, because now you're high risk for them?

Axel Meierhoefer: 19:23

Right. Yeah, I want to just clarify the language. Yeah, it's always important to me, it's not the person who is right risk, but the property appears to have increased with the IRS, right, or the person that owns it now is a little more trigger happy to claims, you know, and so yeah, no, I hear you. But I think it's very important to understand because I think this is very different than for example, car insurance, where I know for a fact I was actually just asked if something that happened is actually potentially claimed that should be fine. We talked about it, it came out just like you said the adjuster said, you know, I wouldn't really have buys it because it's just a few $100. Yes, you have no deductible and we would pay it for you. But then your premium probably goes up. So we both sides decided not to file it for the car thing. Today, this is probably six or seven years later, I had asked him something about my insurance history because somebody wanted to see what kind of insurance history I had in this Oh, yeah, we see this one entry here, you acquired about a claim, I'm like, I'm about to roll out the middle finger at you, right? Like I call, then you keep tracking this for like the last five years that I want to call it, you will never find anything, you never paid anything. Right? So now because we didn't actually do anything, they didn't increase the thing. But that was the first thing they said, you know, yeah, you can get this yuan in dollars, and then you pay it back next year and increase premiums and then the next five years over and over and over again. But I'm glad to hear that that doesn't really apply in this case, when we talk

Unknown: 20:53

Your talking about when you're talking about car insurance, car insurance a little bit different, because now it's the individual that's high risk, you're a high risk driver. When you're talking about property, it's based on the property. So the high risk area is what years the building. That's all that goes on.

Axel Meierhoefer: 21:08

And that's a very good clarification. Thanks for bringing that up. Because I think everybody needs to be aware that they basically say, what is the reasonable premium for this particular area? Right? Like, I mean, if somewhere where there's no weather ever, right? Like, I mean, what any bad weather? Let's put it

Unknown: 21:23

I mean, a single thing they look at, for example, what they look at is how far is the fire hydrant? Yeah, right? Because the fire hydrant is so far away. Now your highest risk now in fire happens. They have to get tanks, and it's so all that stuff. How old is the roof? They take all that into fact, that's why they ask all these questions. Is your basement finish? How old is the roof? And all that stuff?

Axel Meierhoefer: 21:40

I know, I've always been asked, is it in a flood zone or not? Or can you show proof that it's not in a flood zone and stuff? You know, so? Okay, well, okay, so that all makes a lot of sense. And I hope that educating our audience a little bit on how this works, I guess it's very clear that people want to work with you. And if they have a claim, yeah, if somebody is just starting and you know, is saying, Okay, I got a policy, but I'm not sure if it's the right one, I'm sure they can come to you as well. So we obviously will put all the information about how to get in touch with you and so forth into the show notes. But at the end, I'm always asking two questions to every guest. So I think we have gotten to this point. So the first question is, if you could meet anybody, who would it be in mind?

Andy Gurczak: 22:24

Okay, there's two. Can I say two? There's Tony Robbins, big fan of Tony Robbins. And then Aaron Rodgers from the from the Green Bay Packers.

Axel Meierhoefer: 22:33

Oh, you have two big fan is not good enough. You have to give us a little bit of the why.

Andy Gurczak: 22:37

Oh, yeah. Diehard Packers fan. Always have a stake, remember. And then Aaron Rodgers, just the person he is off the field. And what he does is something that gravitates towards me. So I always thought, Man, if I could meet one person, it would be him, then Tony Robbins, both of them may be together in one room.

Axel Meierhoefer: 22:55

So you must be a little bit devastated or not very happy about.

Unknown: 23:00

I was I was at the game. So we're not going anywhere in the game. This game, the last year's game? Yes. It hasn't been a good play.

Axel Meierhoefer: 23:08

Yeah, I mean, I I've always liked the person Aaron Rodgers. But I've oftentimes said I'm somewhat of a football fan myself, that I really, really honestly think he has for years and years and years been on the wrong team.

Andy Gurczak: 23:21

It's been rough, who's been around him and stuff and how it's been managed. So

Axel Meierhoefer: 23:24

For certain people, especially when they get the chance to play for a while. And that's not just in sports, I think this is in many other professions as well. You can see if somebody is just good, or if they're really, really talented above and beyond what's kind of average or slightly above average. And I think he's one of those people who's really extremely talented. But that alone doesn't do it. Because it's a team effort, right? And you have to have all the other pieces. And I've always said, wow, if that guy were on the right team, he would have probably won a whole bunch of Superbowl ads and stuff, you know, so

Unknown: 23:56

Yeah, and it's easy. Yes, you can go on that. But I also look at it coaching and stuff because we have there's a salary cap. So every team has a budget to play with, they can only bring so many players and keep talent and move stuff. But some teams somehow they can just like the Patriots that right they had Tom Brady and they lost all the stars, but they were able to bring in and filter new people and and keep winning. Whereas in day after we won the Super Bowl, just we just couldn't get the right pieces. And like there's been so many games that we could have, we could go on but I like him for the fact that not only on the field, I like what he did after fuel and how smart he is and and how he carries his life and what he's into education and promoting reading books and all that stuff. So that that's more

Axel Meierhoefer: 24:41

Right. Yeah. And I'm very much appreciate that. You bring that out because some people, especially in the media, reduce these talented individuals, especially the ones that have been around for a while just to this one thing that you can maybe see on Sunday, right and what that you can see I mean, if you go into business and every 90 days, the leaders of organizations, if they're publicly traded, have to basically present the results to the Wall Street analysts. Yeah. And that is then the one thing that every 90 days or every three months, the public finds out and quickly and easily basically create this image that that's the whole thing that this person is about, right? That makes it sounds like every CEO is an accountant, which is really, really, really not true kind of thing. So I'm glad that you know, you and I, and hopefully more people actually try to make an effort to see a little bit beyond the facade that is being created. So

Unknown: 25:38

isn't that the football, the buffalo, those players out tomorrow that was put in the hospital right? Out of that came out where he was, he's been such a good asset, if your player as a teammate and what he did in college and donating to kids and helping, that's such a good story. There's so many players that do such good stuff, just like Rogers and other stuff that's never discussed until something happens. And it's always the bad of the players and all this negative stuff. Because there's so much good that's never discussed, until something like that happens until like Rogers went on. He's done a PAT MCCRORY show, same thing and started discussing everything that he does off the field itself. And somehow that stuff was channeled by everything else.

Axel Meierhoefer: 26:14

Yeah, I mean, I actually ended this sounds probably somewhat bad. But with him, then I really had the impression that the media was getting ready to have him die. And so just to be a little bit prepared, they started laying out the whole story. I mean, I'm very good at being glad that that didn't happen. They, you know, they had him to recover. It looks like he's gonna do have a full recovery. But every time you know, either they have already done it because somebody got badly injured or car accident, or like if you think about Kobe, right? Like when Kobe crash accident with a helicopter, suddenly, all the stuff that had nothing to do with basketball came out. And I'm with you, I'm totally with you to say, how sad is it that the media thinks it's only interesting to us as a public and as viewers or listeners when the person isn't around anymore, or when at least the threat exists, the person might not be there anymore, instead of why they're out there doing their thing, right? I would much rather have them take the time to really put effort into the paper. But anyway, we're getting

Andy Gurczak: 27:12

I'm 100% agreement with you, by the ways on that. Yeah,

Axel Meierhoefer: 27:15

very good. So let me ask you the other question, this one is a little more playful. And that is if you had a time machine, you could go forward backward anyway, you know what, you know, you just can't change the space time continuum. Where would you go and why?

Unknown: 27:28

You know, outright want to go like older times, like older years, maybe like the 1940s, the 1950s and travel past those times and kind of see those eras, especially the 40s, the 50s, the 60s, I liked those eras and music, kind of everything that was in that era. So yeah, there'll be, there'll be interesting.

Axel Meierhoefer: 27:46

Yeah, absolutely. I oftentimes wonder, you know, and if

Andy Gurczak: 27:49

If you get a time machine, let me know, by the way.

Axel Meierhoefer: 27:53

I guess, Elon or something, he might be the one who could pull that off. You know, if I was gonna bet on one person, it would be all right. Yeah. But ya know, I think what I'm personally also fascinated about when most people want to go back, I will go back to is to get a little bit more of the insights of certain decisions, right, like when, when certain significant events in the world happened, what was I thinking in the decision making process is always something that we don't really hear about, we hear the end result and maybe what the trigger was, but not what, you know, nowadays, if somebody asked us, you know, what was the fight few years ago about raising the debt ceiling in the US? And why was that such a hard thing? Right? And you remember, yeah, that was a political football on the one side was true. But in the end, in 10, years, everybody would just say, yeah, they struggled a little and got race, because that's it right. And you never hear exactly what went on there. So that's very cool. All right. So I now have that. And it was great to have you on the show. Tell the audience in summary, real quick, how can we get hold of you?

Unknown: 28:55

the best way to get a hold of me for your listeners, they can reach me at my cell phone, it's 70865541867 or 86554186. That's my direct line. They could call me text me if they want to email me, it's Andy at all city adjusting.com, they could check us out on our website, you know, obviously adjusting.com, you type in my name or company name, there's podcasts, there's all this information. We try to put as much as content as we can. So if they have questions, they're free to call me or, or email or get a hold of me anyway.

Axel Meierhoefer: 29:25

Okay, yeah, that's very good. And I can attest because when I prepared I went through your website is very well laid out and easy to find. And we put all these links and numbers and so forth, in the show notes for anybody who wants to look them up and then get in touch. So thank you very much for being on the show. And maybe we can do it again in the future.

Andy Gurczak: 29:43

I love to thank you. So thank you for having me out.

Axel Meierhoefer: 29:46

Thanks for listening and I hope you enjoyed today's episode of the The IDEAL Investor Show more info and the links we mentioned during the show in the show notes or you can go to our website at idea where to grow a.com and sign up for the Apple podcast link. And if you'd like to talk to me sign up for a strategy call. Hopefully you want to share what you learned with your network and bring more people in. We are really eager to hear your comments and until next time be well stay safe and ciao.