Yeah, ripped up news. You need advice who you don't have? Come
running just as fast as we can. Shooter is gonna help. Come Man
Dix is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here,
Welcome to the show. Three oh three seven one three talk three oh
three seven one three eight two five five Here to help you solve your problems,
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dot net. Now, Mary had a Walmart encounter and I wanted to talk
about it. She was toward the end of the show yesterday. Whatever's on
your mind. I would like to hear from you. But I want to
ask a question. And I know my YouTube morons are very vocal. I
don't know, and this is something I've always struggled with. I'm not sure
the morons reflect a cross section of my audience. I don't know if they
do. Actually, I really don't know. I don't think they do,
because cross sections don't normally engage in one type of engagement. That's the definition
of a cross section when it comes to demographics. But I wonder how much
of a reflection they are. Then I have my Facebook flunkies. They're really
out in left field. And then we have our downloads. That's where we
get thousands and thousands and thousands of people the actual downloads, and those would
be more of a cross section. But in any case, I'm wondering about
I just want to ask something our people, and I really mean this.
Now Mark told me how to put up a poll, but I just didn't
pay attention. And if he's listening, maybe he can put up a poll
for me. But do you know how to do it? Kachina? Do
you know how to put up a poll on Facebook? I mean on YouTube?
She is previously occupied. Yeah, and Mark's not signed honestly, yes
he is. Oh, okay, Mark put up a survey for me?
What would you like? Oh? And you didn't even say hi? So
how the hell am I supposed to know you're there? I wasn't going to
interrupt that Montlage. Okay, Now here's the thing I want to say this.
I want to ask I don't have to ask this. So are people
meaner in general? Well that's pretty easy to put it in a poll.
Yeah, in general? And I mean it, Are people meaner in general?
I really am getting depression? People are and maybe me included. I
mean, I don't mean maybe, I mean we're all we all have an
edge, don't we Are we meaner as a people? As a people?
You know, you individually might have different thoughts here and there, But I
just I think people are just unhappy. I do, And I don't know
why. You know, life is not that bad. America is a good
country under any administration, any president, any laws. I mean, really,
the country is pretty damn good, right. I wish we were more
optimistic, but I think we're bitter. We're bitter. Polls show constantly people
aren't happy with their jobs, especially this gen Z whoever the hell they are
gen Z, I guess that's right. I don't know what is gen Z.
I think I know. I got to look it up, but uh,
gen Z. And then we used to talk a lot about millennials.
We don't talk about millennials much anymore. But in any case, my question
to you, and I'm serious, so make your comments are people? Are
people angry? That's a good word, or angry? Now? Baby boomers
are fifty nine to seventy seven, so I'm a baby boomer. Mark would
be gen X forty three to fifty eight. I think you're in that group,
right Mark. And then millennials twenty seven to forty two. Gen Z
is eleven to twenty six gen Z, So gen Z and millennials are the
main morons in our country right now. Alpha those are the newbies Alpha alpha's.
I don't know what alphas are right now, but I'd like to get
your take on it as to where you are and what you think. Are
people meaner and and thank you Mark for putting that on I used ten years
ago. Is that good? Or would you rather? Are they meaner than
fifty years ago? No? Just meaner now? I don't know just now
you have to have meaner than what? And uh? I like ten years
Yeah? How do I do it? Okay, never mind, I don't
want to go into it right now. Let me go to the phones.
Three all three, seven to one three talk. Mary called and talked about
last Tuesday there was a lady stealing a whole cart of things at Walmart and
clerks tried to stop her. I'm glad that people are trying to stop shoplifters
again. I think it's I mean, really, shoplifting is bad. It's
a bad message to send out. Anybody can shoplift anything. In California,
recently a number of Lego stores got hit. Did nothing. They just again
in California, you still steal. I don't know how it is here.
I don't know if people are still doing it every day. It's shoplifting is
out of the news. You know, the popular things that come in and
out of the news, squatters, shoplifters, what else, different things like
that? Right, So, at Walmart last Tuesday, she said a lady
was stealing a cart. Clerks tried to stop her. This lady maced them
all left the cart and left and left, and so some she maced the
clerks and some customers. So continue your story, Mary, Yes, good
morning, Tom. This is this is Marie, Mary's caretaker, and she's
standing right next to me. She's a little Oh wait, okay, so
Marie is the one speaking for Mary. Okay, yeah, so go ahead,
Marie. Okay. So Mary is sixty one years old, a veteran.
She had a stroke. She went to the store on Chambers and I
lift the Walmart Marketplace, Neighborhood Marketplace. It was nine pm. She uber's
there because she gets ubers. And then she noticed a cart with this lady
in the freezer section just loading up her cart, I mean charcoal, a
mini mini, mini grill, and all sorts of stuff. Then the lady's
leaving and three young employees teenagers, trying to hold the cart until the lady.
She can't leave with the cart. So she gets she's standing there irate,
f bombing. She's about between sixty and seventy five years old. She
grabs the pepper spray and sprays. Everybody go, three girls, you know,
they hit the ground, and Mary's at the She's right here. Next
day she's at the first register, which is right outside, right before you
get out the door, and she's pepper spray. So the guy caesar says,
are you okay? No, she says, call an ambulance, you
know, So she calls an ambulance. They called nine one one, and
then the lady of course takes off. That's not why. So Mary's very
upset. She can't see. So the paramedics come, and this is what
what Mary's upset about is that Walmart. You know, there's not that.
Mary's like military. So she goes, where's your watch station? Your your
eye wash station? And somewhere back there. The paramedics come that. They
said, ma'am, can I help you? Yeah, I need an eye
wash station and the hander of five hundred cc a bottle to clean herself up.
And she's like trying to see, and then in the meantime trying to
pay where the caesar has to put in her code. And then the ambulance
comes. She goes out there and the three girls are in her ambulance.
So Mary's like standing there and it was just an awful no. And then
it was a fiasco. And then you know, she she tries to get
her uber comes, somebody helped to call her uber and oh she did it,
and then you know that that's just how she was treated. But nobody.
Now, hold on, I'm not hearing. So Marie helped me out?
Is Mary complaining about how Walmart responded? Yes, or the ambulance people
nobody took her to an eyewash station. Well, first of all, First
of all, I'm not even sure, and I might be wrong. She
talks about an eye wash station as if it's some civil right or requirement.
I don't know if it is. I had to have them, and I
had to have them in every one in my good years. But in a
retail store, no, just at my good years. I did not have
to have them in the computer stores, for example. So I don't know
about Walmart. Yeah, yeah, I don't understand. And she talks about
an eye wash station as if it is something that Now, according to Osha,
I just looked it up, eye wash facilities must be provided in workplaces
where there is potential for eye damage from exposure to hazardous substances corrosive chemicals where
they're being used, not packaged, so not in prepackages they're talking about being
used like for example, Mark, where you're doing parts cleaning and stuff like
that, that would be I could see an eyewash station. But if you're
in a retail store, it says it's crucial to have to assess the materials
that are being handled and if eye wash stations are necessary, I would say,
are are what? Mark? I would assume most walmarts have one in
the back room. They do have one. They did have one. They
they did not take her to the eyewash station. So she's standing there with
pepper spray and she's paralyzed on her left side, her arm, so she
couldn't like you know, reach that, okay and pour it on herself.
So horrific. Here's the thing, you know, whether they took her to
an eyewash station or anything like that, I understand I would be upset probably
if my eyes needed rinks? Did they all did they? Did anyone bring
her water or a wet towel or anything. Nothing, didn't even sit her
down or find what about other people. Did they help other people and exclude
her or did they let all the people? How many customers got sprayed?
Two customers eight total? Eight total? Three? And what did they do?
What did they do with the other eight customers? They had them inside
the ambulance, they had inside the d You know something, ironically enough,
this is why employees at Walmart are not supposed to engage with shoplifters. If
these kids didn't grab the cart and tried to stop it, none of these
people would have been injured, including the woman you're calling for. I get
what you're saying, and now I know that's what no one wants to hear
out there. But that's the reason people tell their employees not to engage.
The imagine if that guard, then we should have security people on premises for
this kind of stuff they do, But they tell the security people not to
engage because the same thing goes so basically, you know, okay, listen,
hold on, think about it. Think about any time you go up
to somebody like this, you're an employee of mine, you go up try
to stop them from stealing one hundred bucks worth of food and end up getting
shot or killed. Then I'm sued by your family. Okay, hold on,
Mary and Marie. I want to find out. We haven't gotten to
the point as to what she wants or what she's alleging. Possibly we get
John fuller On from Fuller Law to weigh in. He's a personal injury expert
and he's got a legal mind for this stuff. So let's do that.
Coming up three oh three seven one three talk seven one three A two five
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when you choose Frank durand the real estate Man dot com to list your home
with Remax Alliance three all three nine two zero sixteen twenty two, Martino here
three oh three seven one three talk seven one three eight two five five,
Welcome to the show. And uh Denver Regen dot com. They're doing all
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I want to talk to John Fuller and I want him to listen to this.
Again. We haven't gotten to the demand or the concern now. Obviously,
you know, we get a lot of anger John when it comes to
responses, not necessarily what happened, but the response. For example, we've
had people who have fallen, or people that have slipped, or people that
have you know, something has happened, they cut themselves for something out of
store, and they're more angry about the response they got than the actual incident.
Sometimes they feel just, I don't know, ignored or not important or
or or whatever. So we do get that. In this case, though,
Mary calling for Marie. Marie is in the store. She's a disabled
veteran, she's in her sixties, and she's walking around and somebody's trying to
steal. Two clerks from Walmart come up in an attempt to stop this woman
from taking a cart, and the woman starts doing the F bombs and sprays
them with mace or no exes me pep spray. And then a couple eight
customers get sprayed. One of them is Marie. And there we got the
scenario. Then the woman leaves, the cops are called, the ambulance is
called, and Mary is Marie is upset. Now what you kept what Marie
kept stressing is she was asking for the eye wash station. Where's your eye
wash station? And again, I mean, do they rush her back to
the back room if they have one. I don't even know if they have
one. Who's required to have one? Ohsha says only when you're handling dangerous
chemicals. Okay, it doesn't say anything about retail stores. I don't know
if they're required to have it or not. I don't even know if it
matters, John, If is that a liability issue. If they did not
have an eye station, I don't think so. And or if they delayed
getting her to an eyewash, but they didn't handle a rag, a wet
rag, water or anything. It wasn't until the paramedics arrived arrived that they
gave her some water. Is that right, Mary, Mary? Yes?
Correct? Okay, Now let's talk about, without me putting words in your
mouth, what does Marie want? Let's just get right to it. She
wants she wants to see a doctor about her eyes. They're still hurting and
she's just very obsessive of the treatment. I mean, Walmart's the number one
retail. What does she I didn't I didn't hear an answer to what does
she want? I want in jail? Well, she wants the lady in
jail. Okay, so do I What else does she want? Yeah,
she wants she calls Walmart and they didn't even have a case number or anything.
She wants What do you want? Mary? What do you I mean
we read that's a fair question. What does she want? She wants Walmart
to own up to her negligence. Of not even care. They didn't even
care that. Okay, I'm caring. By the way, not caring is
not negligent. They're allowed not to care. Okay. I don't know how
else to put this, but I really need to know this, and I'm
not again. I don't want to give her a hard time. She's a
victim here, but she must know what she wants. Let's just let Okay,
now I'm gonna put words in your mouth. Does she feel they were
negligent in their response to this and therefore she deserves a payout? Yes?
Okay, good. At least she's being honest. Now, what if someone
if someone's negligence caused damages or pain and suffering, there would be a mechanism,
and there are courts that award damages. However, John, take it
from there in this particular case, all right, So your only possibility of
recovery would be under the Colorado Premises Liability Act or a claim against Walmart,
which would essentially be you saying that this customer, this thieving, criminal customer,
was a dangerous condition that Walmart knew of and or should have known of.
Okay, that's a heavy burden for you to prove that they should have
had some ability to anticipate that this person was a dangerous condition and then that
they had an opportunity to do something about it. Now, John's, let's,
for argument's sake say that is never going to go. Okay, No
one can make the claim that they should have known about this customer being dangerous
and should have protected people. But I have a very obvious question. That's
not what she's complaining about. She is complaining about their reaction. Can a
company totally negligent in their reaction? Well, they can, but it's not
really an actionable deal if their actions didn't give rise to the injury in the
first place. Okay, So if they don't have the responsibility for her original
injury, then they don't really have a responsibility to mitigate her damages. And
so now, hold on, John, if somebody, if somebody is on
fire at Walmart and they don't throw water on her, or somebody really or
if somebody falls and they walk around her and don't call help. Now,
no, I know this is ridiculous, but you know I want to go
there. What would happen? Then? Personally, Tom, I don't know
that the Colorado Premises Liability Act would afford her relief in that circumstance. What
about normal negligence? Is there a normal like, hey, you're an idiot
kind of thing. Is there anything that says she was shopping there you should
react differently. Welcome to the concept of elections have consequences. Okay. In
Colorado, we have for more than twenty five years now had a Colorado Premises
Liability Act, which was dreamed up by our legislators to make sure that people
like your caller can't just willing nilly sue for any injury that was that occurred
on somebody else's property. They intended for that to be the outcome. And
so given her status on the property, and by that I mean she was
a customer, so she had every right to be there. The only way
that she can recover in an action against the landowner is if there was an
unreasonable failure to take reasonable steps to protect against the dangerous condition that she knew
of her that they or that they knew of or they should have known of
it. But there is no level. But there is no level, There
is no level of responsibility for the reaction. No one is saying, like
I said, that goes along with premises liability. It's not just if they
if they kicked her in the face as a response, I'm sure there would
be right obviously, Well, that would be the lack of response. And
is the lack of response, is it in itself negligence? I don't think
it is. And really, really let me say something. If you think
you don't have to come down, you have to come down to that dangerous
condition. If it's an intentional to it, like Mark mentioned, a kick
in the face or something, that would be a question of whether the individual
was acting in the course of scope of his employment so that we could make
Walmart responsible for it, or whether it was just an individual act of that
employee. And so we have ways of working through those situations. But in
this case, if they couldn't foresee that the lady was going to mace a
customer that day and take steps to protect against that, I don't know that
you're going to make them liable for the for the damage that was done as
a result of the mace. Now, you know, I'm not saying that
that's the best way that Walmart should handle the situation. It's clearly not.
But that doesn't mean that the lack of their handling, it perfectly gives rise
to a legal you know, a lawsuit or some legal avenue to go and
seek redress of your damages. Wow. That is shocking to me. Now.
Now listen, I'm not one for for just willie nilly suits, and
I know you aren't either, but I would think that that, Yeah,
I can see where they're not responsible for what happened, but after it happened,
if the if these clerks don't know enough to like help, I would
think they have some I don't think she wouldn't have much damages anyway, even
if they were guilty of negligence for not responding properly, because she doesn't have
any damages unless you could come up with some really crappy way to articulate that
the dangerous condition was the inability to render first aid to somebody and that that
was somehow what caused the damages. I mean, it gets to this slippery
slope that I don't know that you're going to be able to really bring that.
It sucks. I don't like it, but you're the value of a
crime. And I'm reading I'm reading case law here, John, I'm reading
case law here that says that when people. People have been sued for failure
to respond properly and to mitigate damages. They were actually sued for this,
and listen to this, and the courts have ruled. Now, this is
what my AI is saying. Courts have ruled that they're only negligent if they
were responsible for the dangerous condition to begin with. That's what I'm saying.
Wow, what I said, Wow, Okay, Now here's what I want
to know, ma'am. What damages do. And this is something you need
to take up with the district attorney, the victim's compensation board. You know,
there there are avenues and and this this young lady is a you know,
has the ability to go and seek medical care from the VA. I
think that she should absolutely pursue that to the extent that she's incurred these damages.
If they ever catch this person, she is a victim under the law,
and she's probably an at risk victim, which now that would be an
enhanced sentence. Okay, now here's the deal. I just want to I
just want to say this in closing that the damages Marie. What what John
is saying is you're not going to go far trying to pursue a damage against
Walmart. Okay, Now, victim compensation is a different thing. And again,
just the good news is pepper does not cause permanent damage. That's the
good news. And that that is you know, I mean, that's what
I'm reading here. We have more coming right up. Go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance checkup free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three seven to seven to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hey, I'm
Tom Martino, your troubleshooter three O three seven one three talk. Mr says
that the uh new Silverado EV looks like an old avalanche. We were talking
off the air about cars. I am bored to crap with cars. Bored
nothing's new. I mean they all they're either crazy looking like the like the
cyber truck, or I don't know. You know what I'm telling you.
The best all around looking cool car I think is the g Wagon. I
think so. And I don't like exotics so much. But anyway, let's
go back to these phones, and I want to get this comment from JR
about that Mary situation or it's actually Marie Mary who's calling for Marie at Walmart?
Go ahead, JR. Hill, you gotta come Yeah? Are you
there, Tom? I'm here, sir. Go ahead? Are you there?
Yeah, I'm here, Moron, go ahead? Okay, Hey,
come on, Tom. Why would you say that because aren't you wait,
aren't you one of the aren't you the JR on the feed? Oh dude,
I'm JR. Maintenance guy. Oh I'm sorry, Bro, I'm sorry.
I thought you were JR. From the like that. Hey caller,
Hey JR. How are you doing you? Moron? Okay, Sorry,
I'm sorry. I'm affording the show here. No, what I'm saying is,
what if this lady walks into Walmart, somebody, she's in checkout,
somebody grabs her purse and punches her in the face. There's no there's no
action, there's no nothing that she can do. You know what, And
I don't think I don't think that was the part she was upset about.
But let's say they punched her in the face and she's bleeding and they don't
hand her something to wipe, you know, or I don't know, there's
there's she's saying that she was further injured because they did not react properly and
so therefore the pepper state on her eyes too long. That's exactly what she's
saying. I worked for Costco, and when somebody gets hurt or they have
a heart attawn, if something happens, our responsibility is to call nine one
one and get the authority center. That's what we've got. Imagine if ar
was given someone mouth to mouth or trying to give him the Heimlich or something
and ended up killing him on accident. Yeah, can't touch them as employees.
World, I know, the whole world has gone crazy. You're right,
you can't really judge a response, right, and we can't stop somebody
from shoplifting. We can't touch their cards, we can't touch them. So
yeah, no, there's there's no actionable Do you get do you get shoplifting
their JR? At Costco? Do we what is there shoplifting at Costco?
Oh? Yes, oh yes, yeah, but we we have under you
know, we have undercover. No, I know, but do you guys
does your security stop them? Does anyone stop them? Uh? Employees are
not allowed to, but our are our security guys, they can, they
can. Yeah. I was thinking of those crab legs basically taking a couple
of bags of man. That's that. They are pretty famous, the crab
legs over there. You just they got them rows and Mark. Have you
ever seen them over there? You probably you've probably cooked him out. I
know you did steam him. So anyway, thank you, Jar. Dave.
Now Dave with a possible scam, Davevid? What's going to call him
a name too? David? Yes, I mean what's going on? Well,
you know, I've been using Experience to uh improve my credit over the
last few years, and they started a digital checking account basically where you put
money in it and you can spend money and it helps improve your credit.
It's like having another debit card. Wow. So back back in February,
I wanted to make a large purchase. So do you have to open up
an account with Experience? Yes? Honest to goodness, what a great idea.
Okay, so go ahead, all right? So I I wanted to
make a purchase of a large form like a computer, and I didn't want
to use my bank account. So the smostion can transfer in one day or
in one time is twenty five hundred dollars. All right, hold on,
I'll come right back to you. Hold on, man, I don't want
you to go away. We got more coming up. I'm Tom Martino three
oh three seven one three eight two five hive go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Wait time for an insurance checkup free no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. I'm Tom Martino, Chief
moron and bottle washer. Here three seven one three talks seven one three two
five five David, he's talking about a possible scam. So here's what happened.
He opened up an account with experience banking online purchase of a computer.
What happened then, David Well, I made two deposits of twenty five hundred
dollars and they contacted me said I put too much money in and that my
account was locked. Oh so this is back in February, that five thousand
dollars my money. It's locked. They say, I have to prove that
it is actually my bank account. So I called them multiple times that this
is not the only time. Listen, this is happening more and more and
more, the so called fraudulent algorithms. We have people with regular bank accounts
that get frozen like that, what do you have to do to get No,
wait, what do you have to do to get your money? Exactly?
Well, let me finish the story. So this goes on for a
couple of months. I send emails to prove with my bank statements all that,
to prove it it's my account. I keep calling them, Nothing happens,
nothing changes. So I get tired of it and I just kind of
figure, well, my money's in this account, They're not going to do
anything with it. It's safe, right. Well, yesterday, with no
warning, I get an email saying my account has been closed. I call
them up and then where is your money? The money is gone. They're
not going to put it back in my account. Over five thousand dollars.
They just took it. No, no, no, you can't let this
happen, David, No, no, no no, hang on, We're
not going to accept this. No. I mean now, this is the
experience, right, truly the experience you hold on. I'm Tom Martino.
How the hell did this happen? Folks? We need to explore it.
Stick around for this one more coming up on the Troubleshooter Show. Go with
a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free, no obligation
comparison call Compass Insurance. Pay too much your coverage at dozens of insurance companies
find out now three oh three seven seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine two zero sixteen twenty two.
Yeah. Time rip of news you needed who you don't have run anxiousness
as can. Shooter's gonna help. Come man, This is the Troubleshooter Show.
No Tom Martino, Hey, Tom Martino here, Welcome to the show.
Three oh three seven one three talk on three eight two five five.
This are brought to you by Grossman Wellness Com. Grossman Wellness Clinic is where
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work consultation Grossman Wellness dot Com. Hey, so this is really pissing me
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the only complaint I've gotten about this. If any unusual activity is shows up
with your online banking, they shut it down. Now it's not the online
bank, well, I guess it is mostly the complaints we've gotten. We've
gotten complaints from people saying that you know, our algorithm is picked up on
unusual activity or we believe there's fraudulent activity, and they shut down your access.
You can no longer log in, you can no longer access your money.
It's gone. Sometimes accounts are closed. But here's the thing, they
keep your money. So they say, we don't believe it's you. You
just deposited five grand. Where does that money go? Now, certainly someone
at Experience should be responsible for at least answering that question. By the way,
Experience the Credit Bureau has started, OH has started with digital checking accounts,
and what they say is this, if you use it to make regular
monthly payments on all kinds of bills like rent and other things, they will
keep track of it and they will then improve your credit. Where sometimes landlords
don't report, utility companies don't report, So you can make these payments through
Experience and build your credit. Now, I think in concept it's a great
idea. But we got a guy here, David says, I did that.
I opened an account and apparently the activity they did not like were two
consecutive deposits. Is that right? Yes? Now it was? And what
were the rules that you probably you can only do twenty now you can only
do twenty five hundred dollars at once, but they didn't say you couldn't do
more than one in a day. And apparently I did two in a day,
and so they saw that as a red flag. Yeah, at a
lockedy count told me I had to prove it was my bank account, and
I went. I did everything they asked me to do multiple times, and
they never unlocked it. I never not only that, they closed your account
and kept your money. Have you been able to talk to anyone? No,
I mean, well I've yeah, I've I've called them. I've talked
to them, but they they have no help. They just said, sorry,
your money's gone. That's all. That's all they come Wait, wait,
come on now, David. Did they literally say sorry your money is
gone? Well, her words were there is no refund coming. Did they
say where the money went? No? I I obviously I got irate.
And you know you have a phone number you can act so you can actually
call from the phone. Oh yeah, I can call them. And what
do they ask for? Your name? Your your your do you have a
further name? Do you have you have a card, your debit card,
so you use your card number. You give them your name, your your
address, your last three or your social and so they prove it to you,
and then they'll talk to you and and they say and and they say
there's fraudulent activity. No, they're just saying, I need to prove that
it's my my money and any of the deposits that you made get kicked back.
No, and I have I have all that, did you? I
have all the banking that proves money went in. You know, I would
sue them in small claims card, I sure as hell would. I would
sue them in small claims for now. You can go to the Consumer Finance
Protection Bureau that that is something you can do and they will help you.
And I mean, but but I would also just for the hell of it,
I will. I would truly go and do something like I would absolutely
do something like small claims because you know, Mark, they have to have
somebody here in Denver, in Colorado that he can sue. Uh. Banks
banks are a little weird, actually, man, Well the experience is not
really a bank. No, but they use a bank. They're helping me
with my with my credit, my finances. They're supposed to be helping me,
not stealing my money. This is yeah, I think I should sue
them. No, it's just consumer finance. I want you to go to
Consumer Finance dot gov. Okay, and then that's where you know, you
put in a complaint there. They really do look into them. I mean,
it's it's surprising. But I also want to do this small claims court.
So what I'm looking for is a registration. It's a Federal Savings Banks
CFSB. Now do they have mark? Do they have a He couldn't he
sue though experience he could? They're the right that. Yeah, I told
you banks banks are a little strange. Yeah, but let's see though.
I mean, what I'm saying is, I mean, damn, these people
can't to me, they can't just do it. I'm looking for the government
go ahead. They didn't even give me a warning. Not they didn't say,
you know, you need to do something. And it's just all of
a sudden, I just get an email saying it's done, it's closed,
Collee, And that's that makes absolutely no sense. It's just wrong. Well
it is, and we're gonna What I want to do is I want to
do a few things. The first thing I want to do is I want
you to be able to do the small claims. But we have to look.
I'm looking at I'm trying to find the Secretary of States things, so
I can. I think it's gonna be the Experience Information Solutions. Yeah,
you're gonna have to do something like that and do a small claim. I
would. Plus, I think what we need to do is, in addition
to that, we need to go and get the conference call going with you
and maybe Deputy Dollar to call to them, and let's witness this. I
mean truly, let's witness this, because I swear to God, Mark,
did you look at the Colorado Business look up? Did you look a Yeah?
I think it is Experience Information Solutions, Inc. I'm pretty sure that's
the experience we're talking about. But once again, I mean all they do
is give it a name. I mean, it's a good place to start
a small claims. Yeah. So and where who is Mark? Who is
the registered agent? It's an easy one. It's just one of these.
It's the CT Corporation System on Raple Road. Man, that place, that
place is a agent for a lot of companies. So did you get that?
Man? Look for Experience Information Solutions Inc. On the Colorado Secretary and
it's CT Corporation System. They are a professional registered agent. What they do
is keep a location in the state for these companies, and it's at seventy
seven hundred Easter rap Hole Road, Sweet two twenty. I don't know what's
actually there, but that's what that's what I would do. I would be
curious on something like this with fraud. I'd love to hear what. Let's
say they show up, I'd love to hear their side of the story.
I mean, I just I can't imagine. Neither can I Mark. I
can't imagine how they could justify. But where did the money come from?
Man? Where did it come from? My bank account? And you and
you traced it and you showed them where it came from. And it's the
same social Security numbers on both bank account, same name. Yep. This
is absolutely unheard of. It's it's unheard of. Wait, I was shocked,
completely shocked. Okay, Deputy Dollar needs to call with them. I
want to film this. I want you to to to take a video of
yourself on the phone with experience telling you about this. I do you know
how to do that? Right? Okay, Tom Dollar? This is crazy.
This is crazy. I mean, think about this. They're telling him
your money's going so you're gonna say, wait a minute, Wait a minute,
I mean it can't be gone. He's got Now. Did you go
to your bank and try to claw back pardon? Did you go to your
bank? Did I go to my and try to claw it back? No,
it just happened yesterday, and like so that money went in in February.
You know, they just closed it yesterday. So I haven't right hold
on, Warren. Warren's got a comment on this. Go ahead, Warren,
what's your comment. I don't know if it relates. But I bought
a house in twenty twenty one and I had experience. It's called Experience Boost
or they include your rent, utilities and all that the lens. Yeah yeah,
yeah, that's not the checking account, but that is experience. Yes,
I know about that program. Yes, I'm just saying they made me
take that off in order to get approved from my house. Won't So they
made you take what off? The boost? The boost? I could I
added in my rent and utilities for what Yeah, they did, and that
was American financing. So wow, that's weird that they wouldn't allow you to
use. BOO Boost is actually more accurate than regular credit scores. I mean,
they just said I had to take off the boost part of experience is
what they told me. So Yeah, because they wanted to get a fight.
Go without your normal rent and stuff, which is stupid. I'm Tom
Martino. Hang on, folks, Dave, let's hook you up with Deputy
Dollar. I'm gonna mark this down crazy stuff. We got more coming up.
I'm Tom Martine. Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content. Time for an
insurance check up free no obligation comparison call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all three seven seven to one
help. You'll think you're his only customer when you choose Frank durand the Statement
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hey, did anyone catch Fauci? Doctor Fauci testifying before
Congress. You know that is the only man in the world that can speak
out of both sides of his mouth depending on what you ask him. When
you ask it, you remember the time he's telling you how face masks don't
work. Then he said they did. And then the six foot distancing,
he admitted to Congress he had no basis in science whatsoever, none, zero,
I mean. And then the lab leak theory, he said, oh
yeah, I was open to that the whole time. And he absolutely said
there is no way that this was created in a lab. So, I
mean, does he think we don't watch the news and we don't see what
he says? I mean, the guy, I swear to God, if
someone took the time they could edit his comments on how much he contradicts himself.
They wanted to cover up that wuhan leak like I've never seen man besides
the Biden laptop. Yeah, and you know what, they literally Congress brought
out communications with Zuckerberg on Facebook where the government told them do not allow this.
I mean, we had our government dictating what you see on social media
and you want to know something, I'm sorry, but that doesn't go no
matter who you're protecting. I don't care who it is. I've always argued
for unabridged freedom of expression and speech totally, even hate speech. Yep,
even hate speech. We don't have to read it and love it, and
we can try to educate morons, but we don't have to shield them from
seeing stuff. It's oh god, I am so disappointed with this country and
people who have the gall to call themselves Americans, who want who want to
have to have censorship. Literally, liberals are in favor of censorship. They
absolutely are. They are absolutely in favor of censorship. I want to know
how that they reconcile that. How Now there are a lot of things maybe
conservatives are in favor of that. I might just im just happy to be
talking about freedom and speech right now? When did it become a liberal thing
to be against a freedom? When oh, they're going to say, well,
that's because you know, it goes against our narrative. It's dangerous.
See I always love that it's dangerous or hateful as an excuse. You should
be able to say anything you want about anything you want, and it might
be disgusting and hateful. Okay, then what we're going to do is we're
not going to listen to them if we have a half of brain. David,
what's going on with you? David? Oh is this the same?
No? No, this is something else, isn't it? We got two?
David? Sir? Yeah, you're the one with stock trading. Talk
about it, David correct. Well, I am eighty one years old.
I am My main source of income is social security, so I'm always looking
for ways to augment that. I do have a little construction work when I
can get it. But I look at stock trading and option trading, and
they're always my God, an eighty one year old on social security should never
be looking at options. But go ahead, never mind. There's all these
services out there that are advisory services. Say that's right. So it used
to be that most of these advisory services, the ones that were decent.
We're saying, you try our service for thirty days or ninety days or whatever,
and if you don't like it, you get your money back. Are
you talking about investment Wait? Wait wait, are you talking about investment advisors?
Yes, they they they're not allowed to offer you money back guarantees.
Well, this is this is just things on the internet service, okay,
Verdi. And you know this particular company is Market Traders Daily, and they
have all kinds of services. Lately, the most of them will advertise if
you're not happy to one hundred percent guarantee, we will give you another service
that you like better. So I can't afford to go and pay two thousand
dollars for something where I might get another service that I like better. That's
basically saying you're not going to get your money back. And I never did
you sign up with them? I signed up because they had one hundred percent
money back guarantee. If you're not happy in ninety days, why did you
believe that? Maybe I just have a trusting nature? Okay, No,
no, I get it. They are they supposed to be a registered investment
advisory firm. No, no, no, it's just an advice period and
well they're not allowed. That's what I'm getting at. They're breaking. It's
like pro if you go to MSNBC, you can pay for the pro edition
articles, okay, But if they're articles, they're not specific, they're not
okay, that's different. If they're not giving specific advice, he said,
it's an investment advisory. Were they telling you what to invest in? They
were saying, we suggest you buy such and such at such and such a
price on this date and so forth. Yes, well they're breaking. I
can't even tell you how many laws they're breaking. They're not supposed to do
that. They can give general advice. Well, our time. There's a
lot of companies. I've subscribed to other companies that did the same thing,
and they would send me my money back, no problem. I've had that
happen many many times. Okay, this one, well, I can tell
you. I can tell you who to complain to, because they will look
into it. This is look at the government really takes this stuff seriously,
really takes it seriously. Okay, I mean, I mean that I don't
know what to tell you. Wrote. I mean, you're going to get
your money back if they if they advertise it, they're going to do it.
This is ridiculous that that. I can't believe that they would advertise money
back guarantees. Now they can give general investment advice. I don't know exactly
how they worded it. Wait, wait, Tom, maybe you're not thinking
it right. The money back guarantee is generally these things you pay. Let
let's say you pay forty to fifty one hundred dollars. I get it for
the publication, right, that's right, you get that back. That they
can do. But in the publication itself, they cannot react to specific market
events and make specific recommendations. They absolutely positively cannot now my fault here.
My bad was that I did not take a screenshot of their ad and of
course they've taken it down. Well, you can get your money back.
These guys will give your money back. Well, there's all kinds of people.
The Securities and Exchange Commission enforces trading laws, the state administrator of their
advertising into Colorado, the FUENRA Financial Industry Regulation Authority, but they're in the
North American Securities Administration Association. There's a ton of people. I don't think
they're doing any of that. I don't think they're doing that. I think,
well then he okay, then he misunderstood. But they they still have
to abide. And by the way, these organizations are for people giving financial
investment advice, okay, And there's even something called finsend, the Financial Crimes
Enforcement Unit. Now, now all I'm saying is this, if they gave
specific advice by this on this day, at this price, they're breaking the
law. Okay. Now, now there are thousands of people doing that.
I don't see how that works. Well, okay, well you know what,
I'll go up against anyone who says it's not against law. It absolutely
positively is against the law, now they're not allowed. In fact, they
can't make a blanket recommendation like that unless they didn't. And there's all kinds
of disclaimers and all kinds of other crap you're not telling me about. So
so like the ones Mark talks about with their with their recommendations, I mean,
like Jim Kramer, I mean, he's got all his picks and recommendations,
but you have to join the BC and and it's a subscription each month,
and I mean you can follow. But even the subscriptions can't give specific
buy and sell advice. They can't do well. I think what they show
in his is what he literally is buying. Okay, he can say here's
what I'm doing. Of course you can, just like with the law.
You know, if you're not an attorney, you can't give legal advice.
But how many times do we say, Mark, this is what I would
do. Yeah, of course. Okay. So I am sure there are
things that happen or this guy, there are things that he heard that he
thought were specifically meant to buy or not buy, and it turns out they
weren't. But but well, but it doesn't matter. He should still get
his money back if they advertise his money back. What reason did they give
you for not giving your money back? The woman said, I'll I'll take
it up with Steve, and then that's all she said. And then I
got an email back saying, well, if you didn't like this service,
why don't you try this other service that we have. Where's their guarantee?
I don't see it on here. I don't see their guarantee any problem.
They took that down. I can't find it either. I went to wait,
how did you pay these people? And how did you pay? How
did you pay him? Credit card? Okay, logically, what am I
going to say? Next? I went and had them charged back and they
said, no, it's been pasted ninety days. After ninety days chargeback.
That's a deal on that deal on the guarantee. Way to make these trades?
You have to make all these trades for ninety days. No, no,
no, no fraud. You can go beyond ninety days. Pardon me,
By the way, he heard what it says. He's saying he lost
it. Listen to this. This company is not registered or licensed or governed
by and gives no specific investment recommendations on any security that this is in their
own paperwork, do your own research, and talk to a license investment professional
before making any investment. This communication is for general general information only, so
I mean in their own website. So tell me what they recommended to you.
By the way, give me an example, just a moment. Well,
yeah, let me see one. That one that I remember is Bmy
Crystal Myers. Yeah, and what did they say? Well at all?
But what did they say was good about it? What did they what did
they say about it? I said, they have a lot of new drugs
in their pipeline and they're going to do well. Et cetera, et cetera.
Okay, by the way, you do know this, right, you
do know you're playing with fire at eighty one years old trying to do trading.
Yes, I do, But no, no, I'm serious. It's
it's it's it's unsuitable for you. Okay, I mean, how much money
do you have? How much money are we talking about that you're investing five
dollars? Oh my god, it's just okay, that's play man. That's
That's what I was just going to say. That's play money. That's that's
not good. Follow someone like Jim kramer Man, someone that at least has
an investment club. He's been doing forever. It's twenty nine bucks a month
exactly, and you can ask and buy whatever. Nancy Bilowsi, guys,
you know, David, if you're doing play money to do with how much
money do you How much money did you pay for them? Two thousand dollars?
Oh my god, we need someone to call them. So David,
hey, dollar, you want to take a chopper? Do you want who
should I give this to? Yeah, hold on, We'll give you a
shopper, his teeth chopper. Can you call him man? Yeah, he
can do it. I want to look at his emails too, but just
say, look, he doesn't want the service anymore. And by the way,
I would fight with my credit card company to David, and I would
call it fraud. That's out and out fraud. That's all I would say.
I wouldn't give an explanation I joined this and didn't join that. I'd
say you were signed up under false pretensions and they're totally fraudulent. Do you
see? Fraud does not have a ninety day limit, I think with the
credit cards, so a lot of the banks just say screw it. Now.
I agree with you, if you actually could figure out who to sue
and go through it maybe anyway. We have more coming up on the Troubleshooter
Show. Go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content, wait time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying too much
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to one. Help. You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two. Hi Tom Martino, you were
troubleshooter three O three seven to one three talks seven one three eight two five
five. So here's the deal. I told the guy call it fraud.
They all said, you said, people get away with credit card fraud.
Which one is it? It's both, It's both people get away with it.
You see, we've had plenty of cases where people discovered fraud on their
card and they were reimbursed from the credit card company, so they were not
a victim, so they could not claim fraud or they couldn't be a victim,
which is fine that they have no spying at that point, Yeah,
they had no standing. But the credit card company and the banks did not
go after And the merchant's not a victim either because the merchant gets paid anyway.
But what I'm saying is the person who commits the crime gets away with
it. Just like this online this market trader, they'll get away with it.
My favorite example of that wasn't a credit card we had, meaning you,
myself and Susanne had someone steal a check write the checkout for two thousand
dollars with our account mark fifty or fifty grand, walk into the bank on
Friday afternoon the money with a photocopy and there was no watermark. We got
our money back, but they would never tell us whose that person was.
They wouldn't go after the fingerprint, they wouldn't even go after him. They
wouldn't even go out, and we called the police. The police went to
Vectra Bank and Vectra Bank would not cooperate. And remember they lost fifty grand
in this. We didn't would not cooperate. Economic crime goes unpunished unless you're
Donald Trump. It absolutely goes unpunished. Yevin, then you're saying he committed
a crime. I'd argue that. No, No, I'm just saying,
okay, economic whatever. They won't even go after it. I mean,
I imagine technically, well, you know, they might find something that he
did on a falsification of a document, but unintentionally. But what I'm getting
at is it's ridiculous. Now speaking of that, By the way, what's
really funny is do you know in New York listen to this. In New
York there have been multiple felonies down graded, downgraded to misdemeanors downgraded, except
in Trump's case was exactly the opposite. The misdemeanors were elevated to felonies because
there was another crime that was supposedly covering up. But that other crime was
never prosecuted ever. So it is the God almighty. But here's another thing,
New York. Alvin Bragg the worst excuse, my god, the worst
excuse for a lawyer I have ever seen in my life, not because of
the Trump thing, but because of the shambles New York and Manhattan is in.
So what's really weird is you had people robbing a store, a veteran
marine who owned the store stabbed the guy. The guy came over the counter
at him. He stabbed the guy. The guy died. The shop owner
was charged with manslaughter, the guy was charged. And then there were cases
where the criminal was apprehended by people, the people were charged, and the
criminal got away with it. You look up these cases. I swear to
you, it is unbelievable what goes on in New York City. New York
City was a really fine city. It's turned into a trash dump. And
you can thank Alvin Bragg for that. What a piece of garbage, Absolutely
a piece of garbage. And Latida James, the whole gang garbage, that's
what they are, unprofessional garbage. They ruined the state, They've ruined the
three all three seven one three talks seven one three eight two five five.
We have more coming right up. Get your calls in. We got open
lines for the first time this morning. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent until you're contenth time
for an insurance check up, free no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies. Find out Now three oh three
seven seven one help You'll think you're his only customer when you choose Frank durand
the real estate man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two heins Howmarchino here three O three seven one
three talks seven one three eight two five five. Welcome to the show,
folks, and I want to know what's on your mind because we're solving problems,
answering questions and take complaints. And one of the things I wanted to
talk about when it comes to online advice, if they are giving blanket advice,
which I've looked at all these sites and they all are, and the
case that Mark was talking about, they're actually doing an investment club. There
are all kinds of things that are allowed, but they can't do a specific
amount of advice to a particular person for their circumstances. They can say this
looks like a good bye, this looks like a great stock to buy,
I'm buying this stock all kinds of ways. But you know one thing that
I'm pretty happy about, and that is the securities laws lately and I mean,
when did Matoff happen? How long ago? They've really gotten good A
long time ago, and so since then, it really made me feel good
when I started looking into this stuff. How protected people are they really are
now? If our government does anything, it enforces the hell out of securities
laws, investing counselors, broker dealers, all of that stuff. And because
there was so much financial fraud going on and there are places to call that,
the thing is is that it's something to be taken seriously now, So
that guy, I think if we call and apply pressure to these people,
they're going to they're going to give that money back. But I could find
no money back guarantee anywhere. Again, there is something that like, for
example, he'll say there's going to be a stock bounce back, Well,
that's general crap, you know. Or there's going to be a correction.
That kind of stuff you can do now three oh three seven one three A
two five five Frank Durand the real estate man is with us. He'll be
coming up in the next couple of hours as well. If you have any
real estate problems, questions, complaints, or you just want to know about
the market, we'll talk about that. Plus any of your problems, don't
sit on them. Let's get him solved. On The Troubleshooter Show three oh
three seven one three Talk wer as I said, you can always call three
oh three Martino three oh three six two seven eight four sixty six. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're contentha time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven to one help. You'll
think you're his only customer when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance. Three oh three nine two zero
sixteen twenty two. Yeah, ripped up what news you need? Ad by
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Shooter's gonna help, coming man. This is the Troubleshooter Show. No
Tom Martino. Hey, I'm Tom Martino. Welcome to the show. Three
oh three seven one three Talk seven one three eight two five five. This
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h three nine zero four two thousand. All right, frank Rand the real
estate man's with us. We love talking real estate from time to time.
So let me get to a wide shot here so I can get Frankie in
there. I'm not insinuating I need a wide shot for you. I meant
a two shot, Frankie. So what we asked this every time, and
I really want to know because to me, real estate is a well,
it could be a leading indicator, it could be actually it's all kinds.
I mean, it's mostly I think a concurrent indicator of the economy because if
people but if people feel things are really bad, they won't buy it.
They feel it really good. So what are people doing now with real estate?
Well, you know, Tom, we've seen rates go down just a
little bit, which has been good. But quite honestly, we've seen inventory
up, which has been great for buyers. Buyers are having a few more
choices out there. And I think some way do you think that now?
Why do you think inventories up? Well, I'll tell you what. I
think a lot of sellers were thinking the same thing. Let's list it in
May and June, and suddenly we're seeing more people put their homes on the
market. So we're seeing a bit more of that, and I think some
people just kind of riding the storm and realize, Okay, rates may not
drop low anytime soon. Although they've dropped a little bit, inflation has been
above the FEDS two percent targets, so the policymakers are looking for increased confidence
before they decided to drop rates. They've teased it, but really just haven't
seen them dropping very low. Okay. So as far as prices are,
they adjusting little or what. Believe it or not, Tom, prices have
gone up. We had a really strong month in April and May. Yeah.
So, But at the same time, though I've also noticed just even
going into this month, there's been a few more choices out there for buyers.
So in some price segments it's not moving as quickly. But I'll tell
you this, the sweet spot still remains between five hundred and seven and fifty.
That's for seeing family homes. That makes up about forty percent of the
market. And what about does anyone even bother anymore with fix and flips?
Well, we see them from time to time, we do, but there
aren't any deals out there, oh not like we saw in two thousand and
a. Tom Boy, I remember you and I had a great conversation I
think around two thousand and nine twenty ten about those kind of things. We
don't see it as extreme as we did before. No, but there's deals
out there to be made. There's people out there where you know, they
could buy a fix and flip and still get a decent deal. Okay.
And as far as the rates right now, interest rates, what are you
seeing your customer skit? Well, you know what, right now, we're
just a squish below seven. I think we're about six' nine on a
conventional and fahava and the low sixes. So we're seeing around there. But
We're also seeing a lot of buyers go in with the idea that they needed
to un buy down or maybe get a point paid, where they're asking the
seller to pay the concessions. But because we're still in a seller's market,
it's an inventory thing, they're still bumping up the price where the sell still
getting above asking price, but at the same time paying some of that back
towards closing costs on some deals, not all all right, so people have
gotten used to it. Then, basically people are used to the market.
So now prices are normalizing. For a while, they went down a bit
because of the interest people had to. Okay, so and we're getting a
little more supply. Yeah, And is that because of summer? Oh?
I think that has a lot to do with it, because there's one of
these kids' kids that are out of school. That's mostly the time people move,
right, That's right. We think of this two time when the rates
were down to three and a half percent. Think of those crazy bidding wars
where it was not unusual back then where homes were going fifty eighty if sometimes
one hundred thousand over we're asking they were paying. The buyers were bringing cash
to the table to cover the appraisal gap. They might have had lower interest
rates, but they were paying more for real estate. Now it's adjusted a
bit better, where maybe the rates are higher, but they're not having to
pay as much as they were getting as extreme in those bidding worse. Okay,
So are people I love knowing about this? Are people doing lateral moves?
Stepping up right now in this market or stepping down? Because in the
older market just a few years ago, they were doing step ups bigger houses,
nicer houses. What are they doing now? The same? Lower?
Higher? What? Tom? I see it all over the board because I
have a certain percent I can imagine has to do with ages. Go ahead,
Oh yeah, no, no, I see a certain percentage of my
sellers actually that move out of state. They say, you know, we're
going to sell here and by let's say to Carolina, they go, they
get real estate lesser expensive down there, or maybe Florida, something like that.
Yeah, damn, they're getting tired of the expensive states. We see
that. Do you have any and I don't want to get controversial, because
you're a good guy, you love everyone, but do you find people moving
for political reasons? Ever? Saying I'm going to Florida or Texas or California
or wherever. Do you those definitely really Oh my god, wow, I
will have it like they're tired of a political climate. Gosh, Tom,
I'll tell you, over the last couple of years, when I talked to
a seller, we get talking a bit. I'll say, now, hey,
you know you're moving to Florida. Oh say Florida. Where Hey,
how'd you happen to choose Florida? How did you happen to choose this area
or that area? And they'll say, you know, I'm just sick of
the politics out here. I'll hear that. Wow, I'll hear that a
lot. Or it's not liberal enough. I'm going to California. Yeah,
we hear that too. And you know California right now though, is burdensome,
I honest to god, Frank with property taxes. But our property taxes
have gotten outrageous. Happen? Does that? Do people ask about taxes?
Is that an important factor for people? Well? You know, good question.
We bring it up to them, We tell them that up front.
Now, where I think it's where I see it affecting real estate mostly is
in condos. I see that a lot because the condo market. Wow,
through the roof, Frank. Wait the expenses, Frank, I'm telling you,
it used to be a pretty good investment for a young person get into
a condo. I wanted to recommend it for people close to me who are
younger, hard working, and now I can't do it with good conscience because
they the insurance that deferred maintenance a lot of these places. Frank, it's
getting unaffordable. I mean, it can bankrupt a kid, It can bankrupt
a young married couple. Think about this. You have a young married couple
who who you know, uh, get a thirty five thousand dollars assessment and
they can. And for those listening, lost assessment coverage does not cover what
you think it covers. It doesn't cover just normal maintenance and deferred maintenance and
normal assessments for things. It does cover a limited amount of insurance assessments,
okay, a limited amount. People who think that lost assessment coverage will protect
them completely, they're absolutely wrong, and in fact, you can end up
in trouble. And I can't stress that enough. Here's what I want to
bring up, which is really really sad. Club Valencia condominiums, for example,
have you heard of club. Oh yeah, sold down. Okay,
These poor people at Club Valencia. There was a fire, okay, and
what happened was because of the old materials I think asbestos and other things,
mold, all kinds of stuff. There was a lawsuit brought and the insurance
isn't paying. They have been out of their places for more than a year,
maybe two years, and right now no one knows what's going on the
ha no one. People have basically lost their investment. And the plaintiff in
this case is Club Valencia condominium owners. They are going after the people who
started the fire and other people. It's just ridiculous here. They're saying that
the the condo association, you know, let me, let me get to
the claims. They say that that these people had a fire and their insurance
is not covering them. So the people that had a fire are being sued
and then because their insurance is not stepping up. So there's there's a controversy
as to who covers what You're going to have this in all condo policies.
People, I am telling you the worst investment now. I know timeshare goes
without saying, but next to that are regular condos and town homes, and
if you own one right now, I feel very sorry for you because your
investment is crap right now and it's going to get worse because people do not
want to step into it. They do not want to step into it.
And you, frank, when when you buy something you have to disclose all
of that as far as lawsuits and all of that, right, that's right,
and God help them if there's a pending lawsuit or something like that.
On top of see a lot of condo owners and a lot of town homeowners
other than Valencia Valencia suit for a different kind of reason, but a lot
of them sue their builders. And if that you think you're helping yourself because
you're thinking, oh, this is defective. That's defective. But when you
try to go resell, you screwed yourself because no one's going to buy in
a condo development where you're suing the builder. And a lot of them go
on. But in any case, it's sad club. Valencia owners, the
people affected by this fire, they are basically sol I don't ever see.
I'm telling you, I do not see a current time that they will be
covered or they will be back in their homes. That's how bad. It
is right now. It's tough, Tome, It's totally tough. Three oh
three seven one three eight two five five. Aaron, you have a question
on hail damage, speaking of insurance, go ahead, erin, Yes,
sir, Hey, is that Frank Duran with you. That's Frank Duran,
the real estate He was my realtor. I moved from Denver out to you
MC county, and Frank you were my realtor. Man did a darn good
job for me. Thank you so much. Hey, buddy, God bless
you. Good to hear from you. Yeah, okay, hail damage,
Yeah, about two weeks ago we got, you know, some little bit
bigger than golf size, golf all size hail on the house and whatnot.
Everybody's already called their insurance. But I think I remember when I lived in
Denver and listened to you a lot. You told me not to do that,
You told me to get in it. I think it was get an
estimate first, or how'd that? How'd that go? Yeah, don't call
your insurance first ever. Okay, call a roofer like Excel Roofing, because
you want a roofer that will first come out and inspect without you signing anything.
There's a lot of these more on roofers that require you to sign first.
Never do it then once they once they inspect, make them put down
in writing everything you need now. That doesn't mean you might need more with
a supplemental, but right now everything that's a parent that you need, what
it will cost to fix, and what the materials are that are being used.
Don't ever use a roofer. Now, I'm going to give you these
and you will. You will wipe out ninety nine point nine percent of all
ripoffs. Here's the first one. Never use a roofer ever who requires you
to sign something to look at your roof and give you an estimate. Number
two, never use a roofer ever that won't give you a detailed, thorough
contract in writing without meeting with the adjuster. You do not you need one.
Never do one unless they give you a complete run and they don't have
to meet with an adjuster. Number three, avoid a roofer if they say
we will do whatever the insurance company wants. And number four, avoid any
roofer who wants your first insurance check or money up front. That's it.
If you do that, chances of getting ripped off are maybe less than one
percent. Okay, all right. Yeah, my roofer actually built my house
last last year at the brand new roof and my roofer actually called me because
he needed windows, So I was kind of andy light that way. But
well, wait a minute, do you do Do you do windows? Yeah?
Yeah, I'm like the only glass guy in the area since I moved
out here. What kind of windows? Oh? I usually I found my
void in commercial commercial glass, and I do glass replacements in the house.
I usually don't do the frame, the window, the whole frame and the
residence. So wait, you actually replaced the insulated glass unit the I g
u yes, sir, wow, And and isn't it hard? Don't do
you take a measurement into it? Or do you buy from the manufacturer?
So I could do it either way, But it's a lot cheaper if you
don't. You say, say Anderson Windows, for example, their glass is
going to be way more expensive than if I were to go through my supplier
of But will they do? But okay, but this is what I've always
wondered. When you replace just the glass on a broken window or two or
three, when you do that, okay, are you getting an insulated glass
unit comparable to the other ones? Probably not? Exact because everybody has their
patents on on whatever you know, your low E's and all that. They
have their different kind of names for everything. Right. But yes, as
far as like our value go and and the and the the emmittance you mints
of the low e, Yeah, you're getting pretty much the same. I
mean not enough to notice, that's for sure. Have you ever replaced windows
that get that missed in between them? They start leaking and get a like
a moisture in between them. Oh yeah, yeah. If it starts condensing
on the inside of the unit, it can destroy that low E. And
that's where you see the streets and whatnot, and the window after you know,
it's hazed over, but it's it appears dry on the inside. That's
it destroys the low e. If the window has that low E coating in
it. Huh. Well, not only that, but it looks like hell
it does it and you can never you can never get them clean, right
exactly because it's on the inside of the insulated unit. Right, And how
does that happen? Does it? Is it because the seals are broken?
The seals broke? Yeh uh huh? Now does that happen because of differential
pressures. When you get windows that were not made here, oh say,
can for a number of reasons. Uh you you sometimes in insult glass units,
there's usually what they call a capillary tube somewhere in there. Yes,
and and that and that is that is too. Uh that is for air
pressure. Like if you were to make the unit at a certain elevation,
you go plus or minus two hard feet in elevation, it's gonna it's gonna
The atmosphere pressure is different. So if you bring it down an elevation from
what it was where it was made and it is sealed, the glass will
actually concave into each other and you'll see that complexion and then just and then
just the opposite. If you bring it up, it'll try to leap out,
right, That's right. So they have the couple of tubes in there.
So when you get it to the spot to where you're gonna put it
into where it's gonna live, let's call it, uh, you need to
crimp that tube. Otherwise you know you're you're The humidity can get in there
and kind of jumps out the process in my opinion, But here's something I've
always wondered. Where you have insulation gas like an argon or something. Doesn't
that capillary tube? Doesn't it just come out of tube? That's what I
would think. I haven't really looked into that much. Yeah, okay,
well, I mean I thought maybe you could address that. But thank you,
Aaron, you're your wealth of information. We got more coming right up.
Go with a sure thing Denver's best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three O three seven to seven to
one help. You'll think you're his only customer when you choose Frank durand the
real Estate Man dot com to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino here three O three seven
one three talks seven one three eight five five. So when it comes to
real estate investing, I'll bet you you've seen a lot of decline Frank,
Frank durand the real Estate manas with us, you've had to have seen a
lot of decline in the rental market. Buying rentals. I mean, it's
getting more and more difficult to be a landlord nowadays. It is. In
fact, one of my really good clients they just called me on one of
their other rental properties. They were telling me about some of the struggles they
are having with one of the tenants and they can't get rid of people anymore
or it's making it really difficult. Oh yeah, the law certainly sounds like
it's favoring the tenant over the landlord. So but they want to get it
on the market. But we've had some struggles with some of the tenants,
and sometimes you get a tenant that's easy to work with. The other times
they'll last be while. Should we sell it with the tenant living in there?
And I always say, well, depends on how cooperative the tenant is
too. And then with the just cause law, you can't just get rid
of a tenant, not even at the end of a lease. So if
you have a lease, you've got to have a re yeah, and there
are very limited reasons. So it's it's a challenge to have a rental.
In fact, we've talked to a lot of people recently who are selling their
rentals. So are you getting a lot of those listings. Are you hearing
from landlords selling their rentals? I get a good number of them nowadays,
probably this last year because people are getting out of him they especially in Denver.
Yeah, that's right. And so what about tiny houses anything with time,
Frank, this was a trend that I thought would take off faster.
Are you are you seeing any Tom To be honest, I've never seen one
person, not one, But you've not sold one and I bought one for
no I haven't you just hear about him and see about them on TV and
those things. I personally dealt with one now. The closest I've seen,
and they're not really tiny houses, but they're damn small and they cost seven
hundred thousand is over on Mississippi and something over there Holy Crep near Glendale,
and it's expensive. But our true tiny house is a tiny tiny house.
And of course, with the you're going to see a lot of things in
the future here because they're allowing people to put them now and divide up their
lots. So people are going to be able to sell part of their lot
or develop part of their lot for smaller houses. Sure, and that's going
to be like a big infill project. I mean right now, infill is
popular too. Have you seen where they go into neighborhoods and knock down the
infills. They knock down old houses put up new ones. I call them
infill because they are really there they you know, and some people call it
gentrification, whatever that means, but they look at it as a negative thing,
and in some ways it is. It's taking out maybe a more affordable
house and saying, look, the land's worth more than you are, let's
put up a really nice house. Do you have a lot of those?
Did you? Did you ever see those listings like and in a neighborhood you
really have a mixture then of appraisals, don't you. Oh? Sure,
yeah, and we do. We do see more of those, And that
seems to be kind of a more recent kind of trend though, Tom.
You know, in certain areas, and you know it depends on the neighborhood,
that's true, because of historical rules and those kind of things. Sure,
But as far as the infills, the new houses inside established neighborhoods,
do you find that it takes down the appraisal when you have to get comps?
I mean you do to a certain ascent have to look at a neighborhood.
So if you are stand out like a sore thumb because you're a nice,
big, beautiful house and there's all moderate housing, that has to quell
the value a little or not. You know, I've never seen it effect
in appraisal. Really, I've never seen that. So you would think it
would. It would something in a neighborhood of lesser houses, the house would
appraise the same as if it's in a neighborhood with comparable houses. And I'm
not saying necessarily that it wouldn't, Tom, but I've just I've never seen
it be a problem a lot of I mean, I can't even think of
one. But the majority of these times they come back and say it comes
in at value whatever you end up selling it for, and the demand of
the market put the price where it ends up being. But I just really
have never seen a struggle in an appraisal in these types of home. And
do you find appraisals are are oftentime trying to meet the selling price. It
seems to me that I mean, that's to me, that's a lazy man's
appraisal. Yeah, well, let's put it to you this way. I
mean, I can't say this every time straight across the board. Sometimes the
appraisal because you sell a lot over asking. Sometimes so do the appraisals meet.
I say, the majority of the time they meet. The majority of
the time. Now, sometimes the appraisal will come back and throws the curve
ball and say, yep, can't appraise it for that much, you know,
so very seldom, but very seldomly and quite honestly, the majority of
those times, the buyer's recovering the difference anyway, if it didn't. Okay,
we got more coming up. I'm Tom Martinez. If you have any
real estate questions, problems, complaints, give us a call. Uh.
He's a wealth of information. Plus of course I'll take any problem or call
that you have at three oh three seven one, three eight, two five
five Go with a sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're contenth Please time for an insurance check up free,
no obligation comparison call Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven to one help. You'll
think you're his only customer when you choose Frank durand the real estate man dot
Com to list your home with Remax Alliance. Three oh three nine two zero
sixteen twenty two. Hi Tom Martino, you're troubleshooter three oh three seven one
three talk seven one three eight two five five. Welcome to the show.
We are talking about real estate. Somebody wanted to know where can I buy
where they actually we hear a lot about it, But where can I buy
where they actually are letting you increase density? And do these auxiliary living units,
these tiny homes In Colorado, there's been recent legislation to permit tiny homes
as secondary dwellings on residential lots. They're called ADUs, auxiliary wait dwelling units
or accessory sorry, accessory dwelling units. And here's where you can do them.
A'l passo County Wallsonburg, Salida. So far funny. I thought Denver
passed it, but not quite yet. I'm being told, of course,
that might be wrong, but that's what I'm being told now. As far
as my YouTube moron, since it's instant feedback, I like to give that
every now and then. Somebody asked me to stop bashing townhomes and condos.
They are a great option for some, They have been a great option for
some, and they continue to be a great option for those developments that do
not have deferred maintenance. However, all developments, all projects, you're not
projects, communities, townhome and condos are going to be faced with the insurance
dilemma. Unless the state comes up with a solution, it's going to be
a major problem. Many of them are opting for no roof insurance. They
can get other things insured, but they cannot get roofs insured, which means
if you have a million dollar roof and you have a few hundred or a
few dozen condos or townhomes, you're going to have a major problem. There
are people getting assessments up to fifty thousand dollars because there's no roof coverage or
the deductible is so high they can't get it. That's just the way it
is. So I'm not bashing when I tell the truth, I am not
bashing condos and town homes. I'm telling the truth. That's the way it
is. Three oh three, seven to one to three talk Frank. I
do have one question here that came in by text. Are there circumstances where
homes sell for less than asking. Now, it used to be in real
estate. I mean years ago people would ask a price and come down a
bit. That almost never right now the norm is people ask a price and
get a little more. Is that right? Is that what the norm is
now? I would say that, or with you it's the norm? I
would say for the most part, Tom, it's the norm. Although there
are homes that will sell below asking price? And what percentage do you think
that you see that sell below asking? Like a minority boy? A minority?
Yeah, I don't even know if I have a percentage. Okay,
that's a great question. But what would cause a house to sell for less
than asking? Do you believe? I think a couple of main thing is
pricing if you miss the market, Yeah, of course, so if you
overpriced, you're gonna have to adjust. But what about the house or neighborhoods
that would cause that? Oh, condition of property, some of them.
If you have, especially a bad odor in the house or something, or
a bad strong smell of smoke sometimes, or if the house is just in
a really rough condition, you could run into those kind of things. But
even then, I think if you leverage it. I mean I just sold
one in Thornton where it was a really rough condition, Tom, really,
and we end up getting thirty four operas on it. But we leveraged the
price well and we got quite a bit over asking on it, you know.
So I think if you leverage it right, you'll hit the peak price
the market's going to pay, do you know. I mean, obviously I
want a house to be in pretty good condition or at least pretty you know,
or nice design. Actually the condition and you can fix. You can't
fix a bad design or a bad layout, right, That's what I mean,
layout design, right. But I think the most important thing is the
neighborhood. It really is, Frank, I don't care. For example,
if a house is it a beautiful neighborhood, I will take less of a
house than if it's in a crappy neighborhood. Right. And some areas too,
Tom, I'll tell you too, some of them where there's a lot
of heavy building for new builders and it inflates the inventory that could affect the
surrounding homes. Two in terms of them moving as quick or not, or
so you're saying that people would opt more for the new homes in some cases
sure, and also builds up the inventory where you buyers start having more choices,
there's not as much demand on I mean, that's just certain areas now.
As far as the ADUs go, and people saying they don't pencil out,
they don't make sense. Actually the jury's out on that. We don't
know if they do or not. Because to me, it detracts from the
main house. So what you might pick up in an adu or a tiny
home, you seem to detract a bit from the big house unless you sell
it to someone who wants it for mother in law, father in law,
in laws or their adult kids. I don't know, maybe a disabled child,
something like that. But I think in order to really pencil it out,
we're going to have to have more years of experience. This is brand
new auxiliary now. There used to be mother in law units over garages and
in basements or in homes, and they're allowed, of course, depending on
the covenants or neighborhood. You couldn't rent them out or sell them separately,
but you could have them. Do a lot of units have that A frank
as far as auxiliary living units as far as for mother didn't they call them
mother in law or in law. Yeah, by the law. Right.
In fact, I just sold it not too long ago. I don't know,
maybe eight nine, ten months ago, something like that, that had
an ADU and that was their primary reason was in the house or separate.
Oh, it was separate, really, it was separate. Yeah, And
that was the buyer's primary reason was they did like the house, but they
really needed something with that ADU. So that just worked out really well for
them. They wanted that for maybe a relative. Yeah, And it wasn't
an easy sale, believe. We were on a busy street and it took
some time to get the right buyer. But it worked out for the right
buyer. That house really worked out three three seven one, three eight,
two five five Go with a sure thing Denver's Best roofer Excel roofing dot com.
You don't pay a cent until you're content. Time for an insurance check
up free no obligation comparison call Compass Insurance paying too much your coverage at dozens
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You'll think you're his only customer when you choose Frank durand the real estate
Man dot com to list your home with ree Max Alliance three all three nine
two zero sixteen twenty two. Right, get you. Hey, I'm Tom
Martino, your troubleshooter Eric. What's going on with you? Hey? Tom?
Hey, what's happening? So yesterday picked up my mail and I have
a thing in there. It says notice a final adjudication and delinquency and it's
regarding our lovely express lanes. Yep, my son just got one yesterday.
Boy was I pissed off at him? So well, here's the deal.
Though. It's the double line thing, right, it's the double line cross.
Here's here's the catch. Did he get to notice a final adjudication or
do he get just the upfront ticket? Let's see, I have it somewhere.
It is a it's called something weird. It's not just a ticket.
It's a some kind of a safety They call it a safety violation. Right,
But here's the deal. So, supposedly this happened on February seventeenth.
I don't recall it. And it's supposedly they well they got a picture of
your car. Well that's so. But regardless, well, come they're saying
that it happened on such and such date. I've never received any other ticket
or penalty regarding this. It's supposed to be a seventy five dollars fine if
you get right saying I got a ticket yesterday it's for two hundred dollars because
oh, so they're saying, got it, I got the one for seventy
five, and it goes up to one fifteen, and then it goes up
more. So you're saying they they're saying you ignored the first one. Correct,
I never received the first one. Yeah, but here's are they claiming,
Oh, how do you approve that? Exactly? And here's the deal.
You want know what the process is to fight this? What I have
to go to Adams County Court. I have this file to go before a
judge. I have to pay a file of seventy dollars. If Eric,
you're still there, you cut out, I'm sorry. Yeah, so you
have to go into court and pay seventy bucks plus the process server fees to
have them served. So it's gonna cost So it's so you're basically talking as
much as the damn ticket. Yeah, it's two hundreds and cost me two
hundred dollars to have them served to buy a two hundred dollars ticket. That's
what I'm saying. It doesn't make sense. It doesn't and I never received
a first not that you know. I can't stand these automated tickets. I
can't stand them. That double lane one is the one that really pisses me
off. You can hang on if you want, Eric, I have to
take a break. I have more coming up. Give us a call.
Three oh three seven one three eight two five five. Go with a sure
thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation. In
comparison, call Compass Insurance. Pay too much your coverage at dozens of insurance
companies find out now three all three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three nine two zero sixteen twenty
two. Yeah with you you need adviss who you don't have? Come running
just as fast as you can. Shooter's gonna help. Come man, this
is the Troubleshooter Show. No Tom Martine, Hello, I'm Tom Martino.
I got Frank durand in the real estate man with me today. Welcome Frankie.
And we got all kinds of things we're talking about, among them of
course real estate. So how is your life going, folks, That's what
I want to know. And I have to tell you that we are kicking,
but when it comes to solving problems, thanks to all of our deputies.
We got a great crew of deputies. And I want to say one
thing personally, and I'm going to ask people to help me. And if
you don't want to, don't Again, I'm trying to find a charity.
I can work this through if tax deductibility is important to you, but if
it's not that important. I mean, I'm not asking for a lot of
money, but I am helping families. Now. I don't mention this because
I want to pat on the bag, But there is really a dichotomy going
on about immigrants, because obviously I don't have a place for illegal immigration,
Okay, I don't. I don't have a place in my heart for illegal
immigration, and I don't have a place in my heart for people who want
to sell off the system. Whether you're an immigrant or whether you are in
the country, they're all your life. Okay, but I do have a
heart for people who just want to get ahead for their families and themselves.
Okay, how do you not? And I have been a really probably an
a hole a lot of my life, very strong, bombastic, aggressive in
helping people, yes, but doing it, you know, to bring attention
to myself being having a big ego, being in the media. You know,
years ago, I was a different person. Now, not saying I
don't have the same goals, but I really started stepping out of myself because
I instead of criticizing everything, I thought, let me look into this.
And when I looked into this immigration thing, I found a lot of people
who truly had a miserable life and sought political asylum. Okay, it's not
just an excuse. And these people are legally granted asylum. And if you
go to the courts, it's it's a it's a it's a process. They're
granted asylum on a temporary basis and then expected to make something over those few
years, the two years temporary before they're given permanent asylum. Now I have
made it a deal instead of and again I'm not putting down churches at all,
you know, but instead of donating a lot to churches and stuff.
And I'm not saying I don't charge to donate anything, but I want to
donate to people. I want to help people. I found that to be
a really fulfilling thing. So I have families, and I promise you this.
I am only helping families who help themselves. My requirement is that they
work. That's number one. Number two, that they maintain their household on
their own. Once we get them in no rent assistance, then I get
them transportation for work. Everyone needs transportation to work. So I'm looking at
clunkers and I have some good people. I want to give a shout out
to Honest Accurate Auto because I found a card. They're helping me get this
roadworthy. And here's what I'm asking, And again I don't want an answer
right away, but if you have it in your heart to help us,
like we always do we collect for causes, just do me a favor.
And maybe I ought to do it, go fund me, but I'm not
doing that now, but maybe I should. But right now I'm just asking
for help. And anything that comes into the Troubleshooter Network goes out. Every
single dime to help people. We even pay credit card fees if you wanted
to donate that way. Now, not asking you to write yourself short or
anything, but if maybe you give to charity anyway and you want to help
out, that's what I'm asking because I promise you every dime will go to
help people who are struggling. Okay, Now that doesn't mean I don't think
you should give to others. I'm not gonna judge what you do. I'm
just telling you about my little piece of the world. Okay, three three
seven one three talk seven one three eight two five five. If you need
more information, Kachina can help you. If you call, she'll direct them,
direct you to me, or you can write help at troubleshooter dot com.
That's all I'm asking is for help for what I do. And that's
it. Now we have Eric who has a toll problem. But I want
to take Bill first for this real quick tip on real estate, and then
I'll go back to Eric. Bill, and then Frank Ran, the real
estate man, is with us. Of course, Bill, what's going on
with you? Okay? This is just my opinion. And then if I
can give you, you know, with that Walmart stuff with the lady that
got sprayed. They had to have an eye wash in the automotive section.
Well, it doesn't matter. What difference does that? What difference does it
mean? Well, if they could wash their eyes out, yeah, but
they had no responsibility. But the point is our attorney said they had no
responsibility to where they were not responsible. They were not negligent whether or not
they had an eye wash. By the way, I don't know what where
it's required, but it makes sense to me that out in their garage somewhere.
But what are they going to do shuttle an old lady out to the
garage where they're changing tires to wash your eyes out? I don't know.
They can't bring the eye washer to her. Well that's better than none.
Well, okay, so what's going on Bill? Wait? Anyway? With
real estate, this is just purely my opinion. When when people are going
to buy a house, waste a day or two and sit out front,
Just sit there and see what kind of neighborhood. You don't know what kind
of neighborhood it is until after you buy it. You've been there for a
while. You know, there's some wisdom to that build. There's got to
be a better way to sitting out front. Not going to tell you anything.
You don't know what your neighbors are until aft non, do you know
what I say? You go meet him? That doesn't mean yeah, yeah,
but what do you mean? I mean that's better than sitting out front?
What are you going to now? Obviously if you sit out front,
you're going to see some stuff. You might see a meth house or something
or but I mean, or you suspect one. But there wouldn't be a
bad idea to meet neighbors. In fact, I've often wondered, how do
you pick a neighborhood? Frank? Do people ever knock on doors and meet
their neighbors? Seriously? Oh yeah, yeah, I've had some of our
buyers do that. Sure, you know, it depends on how outgoing they
are time, you know. No, but if you're knocking to adorn somebody's
an idiot, yeah, you know, I'd have a problem in a neighborhood
where there are idiots, I would have a problem because there's nothing worse that
having a neighbors who's crazy, right we In fact, I think Mark and
I got a name crazy ass neighbors, either a URL or a Facebook page.
Or something, but we never used it. But Bill, thank you.
You know, checking out a neighborhood is very important. Bill. You
bring up a good point. Eric, let's talk. You got a ticket
and they're claiming that you ignored it, so now the fine went up.
Did you contact them and ask them for proof of any kind of mailing?
Well, so, yeah, I call yesterday afternoon and I asked them when
was I sent the original ticket? And he said, oh, February twenty
third. I go, okay, I never received anything, I said,
So I want to fight that. Yeah, but what's to prevent people from
saying that? I wonder? Well, well, yeah, I mean exactly,
and that's my thing too, is okay? So why is it not
just you know, I mean I could do the thing. Well, do
you think let me ask you this, Eric, do you think and I
know we're all skeptical, but do you think that they would lie to you
about that? Really? Seriously? Now, do you think that for that
ticket to raise it from seventy five bucks to one hundred, do you really
believe that they're going to take the time to lie about it? I would
say no. But the other part of that is what things get lost in
the mail, that's right, But what's getting lost in the mail? You're
right, they do, they do. And this is the age old problem
with mail is that you know, with everything way hey with with late payments,
car payment, all kinds of stuff. Well, but something like this,
I almost feel like it should be sent certified mail. You know,
did they even do that anymore? They do certified mail that have been certified
mail. But here's the other thing you say it about, you know,
the photos. So I looked at the pictures on their website last night,
and so the first picture it shows is a map that shows the point of
where the violation allegedly occurred. The second one it says that I'm in the
left lane, but based on the picture, you can't tell where the traffic
lanes are. And then the third picture it shows that I am with it,
you know, inside the double white line, but you can in the
second picture you can't tell where I am in relation to the eric. I
think, I think that if you take the time and energy to protest it
or do your hearing or whatever, But is this one allowing you to protest
it. The only way I can protest it now is, like I said,
I have to go and file with the Adams County Court and get a
court a regular hearing date and whatnot. And it they're saying up to one
hundred and twenty days out. Well, let us know how it goes.
I mean, you're gonna take it all the way I take it. See,
I'm I think I'm a patsy sometimes when it comes to this stuff.
If they would have, if I would have gotten the original notice, I
would have paid the seventy five dollars and moved on. How about telling them
that, see if they'll settle for that. I did. I told the
guy that yesterday and he says, the best we'll do is we'll reduce it
to one hundred dollars. He said, we'll cut it from one hundred and
eighty down to one hundred. I says, not good enough. He goes,
well, then you'll have to go to court. So come on,
Eric, they're gonna drop it down. I mean, it's not like some
company trying to collect a parking ticket. I ignore those. I really do
those private ones, but not this. Why not, man, for twenty
five dollars, you're gonna put your ass into in convenience like this. Yeah,
on the principle of it. I am okay, well, okay,
all right, all right, listen, listen, that's up to you.
That's up to you. Eric, let us know how it goes. You
know, to me, my time sometimes is more important than a principle.
It really is. Three all three seven to one, three talks seven one
three eight to five. I it's not like they're accusing a crime or something.
Now Edward has a real estate question. Edward, I'm hoping you can
wait. I gotta take this break. Frank Drandrealestate Man dot com will be
here. Let's do it right after this. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Wait time for an insurance check up free, no obligation. In comparison,
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out now three all three seven seven to one. Help. You'll think you're
his only when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martino here, three oh three seven one three Talk three oh three,
seven, one, three, eight, two five five. Welcome to
the show. Edward's got a real estate question. Although Edward, we're on
with Frank durand the real estate man dot Com. What's going on? Yes,
Well, first off, I have a home that I am building,
a project house in northwest Arkansas, and I've had a year and a half
I've had it on the market. I'm on to real relator number eight.
They just seem to put it on the MLS and sit back and do nothing,
and it's been very frustrating. The next one says, well, I
can do more than that, but they Hey, Edward, may I ask
a few questions about this house? What price rang is it? Well,
that's part of the problem. I had a broker come look at it that's
from another area, from Fort Smith. He said it's under priced for the
size house. It's a five bedroom just under three thousand square plus a mother
in law suite that's complete. And he said we got it at four fifty.
He says, two bedroom houses in Fayetteville are going for four fifty.
Now, Now what I'm asking you though, is it comparable to the area
it's in. Yes, well, it's out in the country, but We're
only eleven miles from from Fayetteville. And what is your closest who are your
closest neighbors? How far away are your closest neighbors. Everybody's on about two
to five acres, But there's a sillion dollar house right across the road.
What what I'm getting at is, if you drew a circle of three square
of three miles, not square, but three miles three mile radius. Let's
say it's three mile radius. Are there a lot of homes like yours?
Oh? Yes, yeah? Okay, Now I'm only how many two miles
from the big grocery store? Yeah? How old is your house? It's
new, it's under construction. Okay, Here's what I say. If you
draw a circle of two miles or three miles and from your house as the
center, and your house is relatively the same, then I'm going to ask
do those houses move faster or slower? Well, it's within the market of
Walmart and Tyson Foods that are consolidating their executives. Yeah, but I'm asking
our houses in general. Are you underperforming the market? In other words,
is everyone slow? No, it's a very hot market in northwest Arkansas.
Then okay, now, if you're in a hot market. If you're in
a hot market and you are priced comparably to the surrounding properties, then that
is an oddity. And Frank, what would be the reason if he's priced
like what? What did you say? No, I'm too low according to
this broker, And it's starting to make more sense, a five bedroom house
should be closer to four hundred and eighty. Now do you think people might
perceive, Frank, if something is too low? Do people perceive that as
a weakness? I think they do, don't They hold on? Very There
you go, Frank? Sorry, yeah, Tom, I think you could
actually miss the market by starting too low. Sometimes absolutely. Now what else
would it be though? Is it in great Well, it's brand new?
Never mind. So it's like the comps. It's in a beautiful area,
a hot market, and your price is pretty reasonable, and you're not getting
any offers the people that show up it's out of their price range. And
that's what the broker said. You need to add about thirty thousand to the
price because you're in the wrong bracket for a five bedroom house. And so
why are people going though if they see the price? But if they see
the price, why do they bother looking at it. It's in there.
It's a high end of their price range. He says, Okay, so
just want to they want to look inside? Really, Frank Durant. Yeah,
they're more like tire kickers. Frank, what do you do to eliminate
tire kickers and get serious offers? No matter where you are, you could
do it there. I'm sure what would you do? I think it's how
you present it. I mean a couple of things, Tom. The more
simple one is where you price it. We got to find where the sweet
spot is, so that's one thing. And then second of all, that's
how you present it. You got to know your market, who your buyer
is, now present it what way? If they're not, I'll bet you
they're not doing any marketing like you do. Like you know what outbound marketing
is, Edward. They can't just do the MLS and call it quits,
right, Well, that's what all I seem to be getting. So I'm
wanting to take it back and just list it for sale by owner. It's
under construction. They really can't walk through it. It's it's a dangerous environment.
But I do it. When is it going to be completed? When
is it going to be completed another four months? Four to five. Well,
here's the deal. I can do the virtual pictures and that's what other
builders use. Nobody walks through their project. You know, I get it,
well, pictures of what it look like. But are you going to
allow them to pick finishes? Do you have allowances or what? Yes?
Yeah? Are you a builder? By the way, I built it,
it's my fourth house. Yes, Okay. Here's what I would do.
I would not put I would not keep it on the market while it's being
built up to four months early. I would wait because time on market's a
weakness. The price could be a weakness, and then you're going to get
closer to your price as you get that. I'm just giving you a personal
observation. I would not put a house for sale. And a lot of
people say, well, i'll put a for sale. See if I get
it, I'll do it. But they they look at time on the market
and they start overlooking it. And I'm telling you, I would wait until
you're about sixty days out. That's what I would do because people don't want
to wait four months and they don't know what stages. And I would wait
even forty five forty five to sixty days out, I would start listing,
Frank, I don't know how you feel about that. As far as listing
it prematurely, yeah, sometimes you just get a fresh start, Edward,
and then get some coming soon buzz say coming soon and premire right right.
Yeah. I would take it off the market completely, do a coming soon
and then put it on the market. Would you say, Frank, sixty
or forty five days? People don't want to wait a long time. Would
you say sixty or forty five? I'd say even forty five times? Yeah,
you can put it out too far sometimes, Yeah, so put forty
five days started, and when you do it at forty five days, do
it at a decent price, and then make sure you do outbound marketing.
That's really important now, Frank. Sort of that marketing is the it has
this house on there four different times from different agents, and they could put
them out there, but you can't remove them. You know, it's even
got a house that burned on that lot six years ago. Well that's ridiculous.
But how do what you do about that? How do you what?
How do you fix Zillo? It's got it on there four times and none
of them are the same. I don't know about Frank. I've never dealt
with Zillo. How do you do that? There must be a way to
remove a house. Yeah, let me ask you. This is your current
real estate agent. Do they pay for Zillo or is your home just automatically
going on Zillo. They said they pay for it, and they they made
a call but nothing changed. So they should have a rep down that if
they're paying for Zillo. ZILL has some new platforms now where you can showcase
listings. I pay for this myself, So they should have a rep down
there to be able to help them get this fixed. That that should be
a because we ran into problems. Sometimes we call our rep down there and
we get our property, especially if he has a subscription to him. Okay,
so tell him to talk to his rep and say, look, you
know, and then I'm and I was going to say, you know,
maybe I have a heart to heart with your agent and just see this.
I mean, so you know, like Tom, I'll give you an example.
When we'd sold your condo, I had looked at the last year of
sales. I went to all the agents that had brought buyers in there.
We were hitting them. We were strategically hitting the people that were most likely
to buy where you sold. So maybe look at the last twelve months of
sales, which buyer agents are the most active in there. Get it out
to those agents as well as well as the people in the areas that are
buying, you know, the highest demand of buyers. By the way,
we set the record in that building. And not only that, but there
was a guy was so pissed off at my pricing and he said it was
too low, way too low. Right, actually was very high. I
made a ton of money on it, and we made and we sold it,
and he said it was way too low. So he turned out to
sell even lower, by the way, so he didn't know what he was
talking about. He couldn't sell for what I did, let alone at being
low. I think he was just pissed because he wanted the comps to be
higher. But in any case, there hasn't been a condo that sold since
And when did I sell that three years ago? It's just been a while,
it's three or four years ago, and it hasn't sold. A price
like that hasn't come since then. And again, right, I think you're
I think you're just looking at this too. You're you're way too out in
the market, way too ahead, and people don't like that. That's why
you're getting the tire kickers. And I think that you need You don't want
to look like a builder who's desperate, and you want when you by the
way, when you do the for sale by owner, you can say we'll
pay co op. That'll get you way more action than what is that?
That means that if a real estate person brings someone to you, you're going
to get them what they'd normally get with a co op, which is about
two and a half percent or something. Okay, we're two percent. I
don't know what it is there, but it's tip. I mean it's kind
of market to market time. I'd say between two to two point eight is
one typically. See, it would be good to say that because then you'll
get the real estate people who have the bulk of the clients. The bulk
of the clients come from buyer brokers, they don't come from individuals. Those
kinds of people, they're they're going to overlook your listening. They will not
let they will not bring their customer to someone who's not paying a co op.
Okay, so yeah, I was willing to do that, but these
are wanting six percent to sit there and do nothing in twenty No, I'm
not talking about listing it. I'm talking about someone You list it and then
you pay a co op to someone who brings you a buyer. That's a
whole different ballgame. Yeah, okay, I didn't know I could do that,
but yeah, that sounds better. Of course you can three oh three
seven to one three talk seven one three eight two five five. Go with
a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Three time for an insurance check up free no obligation
comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three all three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three all three nine two zero sixteen twenty two.
Tom Martino year three O three seven one three talk seven one three eight two
five five. Welcome to the show. Only a few minutes left. Frank
Duran is with us. By the way I want to We were talking about
credit cards, right, and I want to bring this up. We're talking
about fraud and all of that. And here are bad habits listed where most
fraud takes place. Ready, when you use the same credit card for every
day spending in your auto pays, you should have your auto pays on one
card that never gets circulated. Ever, then you can notice any any charges
out of the ordinary immediately. So you get one card and use it just
for autopay. Second, you another problem. People use the same password?
Oh my god? Am I guilty? Do you? Sometimes? Now?
I try to be a little more tricky than most, even though I use
the same password. It's capital PA and instead of I spell a password,
but instead of pas sword, I use PASSW zero RD. So that's where
I get away with it. So that's my secret and it's very secure.
It's on all my accounts password anyway. The other thing is using store credit
card info in your browser or websites. Now, what does that excuse me?
Not using store storing credit card? If you store it on your browser
or in your auto fills, you're crazy because it's in your cookies and it
can be extracted. Next, Wi Fi connections when doing credit card transactions?
How many times do people have to tell you public Wi Fi connections are not
secure and do not use a free VPN They're not secure either. So those
are the bad habits. Those are bad habits, and you would be shocked
at how many people get stung by that. Three three seven, one three
eight two five five. Now a juror listen to this, reported by NBC
News, found one hundred twenty thousand in cash in her bag and it was
left for her and said, there's more where this came from. If you
would vote to acquit the people charged with stealing it was a forty million dollar
lawsuit or not a lawsuit of crime. And this person, this juror found
this one twenty and the note and turned it in. So here's what I
want to ask you, and you can answer me live or online, especially
my war oons. I really want to ask how much money? How much
money if there is enough? Serious and I'm serious. Okay, let's say
this big cyber criminal or whatever, somebody's on trial and we're talking one hundred
and forty fifty sixty mili. Who knows how much money would get what would
be enough to get you to vote to a quit. Now, we're not
talking about violence, so let's not talk about let's talk about economic crime.
And I really mean it. I don't want it just a stock answer.
Now, I'd like to believe not there's no amount that could get me to
compromise and let a criminal go free. But I wonder if everyone has a
number. I mean, seriously, let's talk about this. What if someone
truly offered you a million dollars? A million dollars now, now, now
hold on, You might say, well, I don't want to get caught,
but let's say it was so well done you wouldn't get caught. Would
you do? Would you take a million dollars to let someone walk on an
economic crime? How about five million? Does everyone have a number. I'm
not going to make you answer out loud, but well, maybe you want
to Does everyone have a number? Would you vote to a quit? Now?
When it comes to violent crime, murderers and all that, there's just
not a number. I think most people would say never. Of course they
haven't been confronted with that. Or what about if you were threatened? Is
there a threat that could make you vote differently? Or would you report it?
We're so quick to wonder, right, I mean to think what we
would do. But if you were truly, truly, truly can fronted with
that now one hundred and twenty thousand. This woman could have kept that one
twenty Maybe she thought it was a trap. Who knows. So it does
get tricky. Frank Ran, the real estate man, is with us.
I do have some texts here real quick, Frankie about I'm just trying to
find it on real estate. Okay, frank If you have a house on
the market for a substantial amount of time, have you ever taken it off
the market for a rest or? What do you do in a case like
that? Yeah, in a case like that. It hasn't happened much well
with MLS rules now. Now, it used to be years ago you could
just refresh it and just come up with a new MLS number. Now they
want you to expire it for thirty days before you can get a fresh MLS
number. So if you take that approach, that's about the best way to
do it. I've actually seen some real estate people who actually cheat doing that.
They're not supposed to do that. Why do they take it off and
put it back on so it looks fresher to give it a fresh start,
but to quite honestly, Tom, I don't think it fools anybody, because
there's a whole history of the list somewhere. Yeah, there's a history.
You could pull up history easily. Why are days on markets so critical,
especially in a market like this time where the market's more fast paced. The
longer you sit on the market, the more abnormal it looks. So people
think there must be something wrong, right, right, or they try to
steal it. Sure. Sure, so back in the day when the market
was you know, maybe it was not unusual for it to be on the
market sixty ninety days, that was one thing. But in a market like
this, if you're sitting there a month, it's like an eternity. Okay,
when when did we have ninety days market? When? How long ago?
Oh gosh, Tom, I would tell you, well, the recession
was oh eight ten, Yeah, that's true. That back then, if
you didn't price it right, you were probably sitting there a year, year
and a half. Okay, Yeah, Then when did it start? So
it was it was as long as a year or a year and a half.
Then it got as short as ninety days, Then ninety days seem long.
When was that transition from ninety days to like multiple offers? What year
was that some of those listings had birthdays on them, Tom, Yeah,
No, I'd say about twenty twelve we started seeing that turnaround. That turnaround,
Yeah, and then and then by eighteen and nineteen you were getting multiple
offers through the roof. It was incredible. Okay, then will it ever
go back to what used to be considered normal, which was three to six
months? Well, Tom, As, you know you know this better than
anybody else. Real estate goes in cycles, and you know how this whole
thing works. For the time being, I think there will be a cycle.
I think there'll be a cycle at some point, although I don't unless
something crazy geopolitical happens. I don't see that happen anytime soon in Colorado market.
Because of our supplying demand problem, we got more coming right up.
Go with a sure thing Denver's Best Roofer extl roofing dot com. You don't
pay a cent until you're content, wait time for an insurance check up free,
no obligation. In comparison, call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three all three seven to seven to
one. Help you'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martinez here at three three seven
to one three talks seven O three two five to five. So Frankie,
any last minute advice that you might have on listing? Yeah, the market
strong toime. Just be careful. Sometimes sellers get a little too high pressed
on their prices. It ends up hurting them in the end. And great
examples one that we listed, same home, they started really high end up
selling for a lot less already we're getting offers about thirty to forty grand higher
than what they ended up closing for just a few weeks ago. So just
be careful. You know, on the top market, but you can miss
the market to Now what about buying? Okay, that's the whole different story.
So how do you how do you do that? How do you post
your buyer? Hey, Tom, buyers have more options out there. I'm
telling you it's better month over month. We're seeing more inventory. Buyers.
You do have options out there and some people care about cash buyers or not.
Oh, they care, but then again they're also looking at strength of
offer to okay, well, Frank durandrealestate Man dot com three oh three nineteen
zer Ol sixteen twenty two. Thank you everyone for being here. Appreciate it,
and remember save all your problems for me