Yeah, ripped news. You need it by so you don't have come running.
Just as fast as we can. Shooter's gonna help coming. 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 Today I have We're gonna talk a little
bit about counting, bookkeeping and all of that stuff that has to do with
taxes, tax planning. Now most of the deadlines are up. We have
one more deadline coming, but the real deal is just being prepared for next
year and what changes there are. So if you're running a business or even
your personal taxes, we want to help you. Plus will help you with
anything in the world. All you have to do is call us. That's
what this show is about. Help, Help, help, help, That's
what it's about. So you got a problem, you call us when it's
just starting, and we'd love to get involved early to help you. Recovering
hundreds of millions, literally hundreds of millions of dollars over the years in cash,
merchandise, exchanges, refunds, and services. Leon wants to talk about
a friend, Hector. Let's talk about it? Uh Leon? What's going
on? Leon? Oh? Okay? Uh? Leon had to go back
to work. But this is Dorene. Are you the one he's calling about,
Doren? Yes, we're going for Hector. Oh, you're calling for
Hector. Okay, So what's going on Doren? Okay? The problem is
is that Hector had to leave out a town to go to work, and
he was working out there, and then apparently he had to work more more
months. He actually worked four months out there. So where where did he
go? Out of town? At h Letterman? Okay? So what happened?
Okay? So when he got back, the cops came to his house
and locked all his doors, locked all his doors up, and the cops
came with them, and so he said, what could I do? I
want to wait wait wait, wait, wait wait, Doreen. There's a
lot missing here. So he went out of town for work, and then
when and how long was he gone? Four months? For four months?
And then when he got back, when he got back his three months?
Three okay? And when he got back the police came and locked him out
exactly. Well, that doesn't happen even if he was a squatter, that
doesn't happen. I mean, this is highly unusual. Why did they lock
him out? Because the property that he's on, it's a trailer So his
property, his trailers paid off. He has a title, no, so
that's his trailer, right, yes, and it's on someone else's property.
Yes, it's at Lucas Garden Medals so it's is that a trailer park?
Yeah? Okay? He so he owns the trailer outright, and and it's
in a trailer park and they locked it up. Now, why tell me
why? They said, because he missed the three payments on the lot.
Okay, Oh, did he miss the payments on the lot? He missed
the payments on the lot. But he's willing to pay. They told him
that he can't pay through the office. He would have to pay through internet,
and he didn't know how to do internet. Okay, okay, Now
listen, Hector owns this trailer. How long has the trailer been there?
Fifteen years? Okay, fifteen years? And they and he's been paying.
I mean he has a pretty good history of paying. Yes, never missed
a payment noreat Okay. How long ago did this happen? Guand in March?
In March? Okay, between February and March. Okay. Now what
I'd like to know now is where has he been living in his truck?
Okay, we got to figure out what's going on because they're not supposed to
just lock him out like that. Some Is he sure the police did it?
Does he mean the sheriff's department? A sheriff's department? Yes, and
okay, did it medicine? Now they're taking his clothes out. Now there's
something wrong. What are they going to do with this trailer? Give I'm
a second. They put a for sale, They put a for sale on
his trader. No, okay, hey, Katschina, this is serious.
We got to help this guy right away. Can we try to get I
don't know how much Brad O'Brien knows about this, but if he could bone
up on it or tell us this is a trailer. Did he have a
year? Did he have a lease at lease? Then at least no on
the par huss No, no annual lease, no annuals okay, so he
had basically just month to month lease for fought for ten years or fifty whatever,
fifteen years? Yeah, okay, hold on, dear, do not
hang up. We're going to try to get some help, Okay, and
see what his rights are. Okay, thank you. Okay, Now we're
going to figure this out. We're trying to figure this out. But I'm
pretty sure when it comes to rights and trailers, you just can't lock someone
out, even for three months. I mean, there's a process here.
Do you know, Doren? Let me bring Doreen back. Do you know
that they serve him while he was gone? Did they have a court hearing
at all? Den't court hearing? H Okay. When he came back,
he's seen the papers and he said, okay, it seems like there was
something. Now, why did he not make his payments? I want to
ask, because he said that they he called them and they said that he
has to do it online. No, I get it here, but wait,
wait, wait, how did he normally pay for his lot? He
would go to the office. Yes, And because he was out of town
and he called him, they said, well, make your payment online and
he did not know how to do that. Correct, Okay, I got
it. I got it. And the name of that park again is what
does he have all the money to pay it? Right now? It's called
Guardian Metals. Yes, he has all the money to pay it right now,
I mean, including late fees anything. He's got that money, everything
he has. Okay, okay, let's figure out what's going on. I'm
sure you know. I can see where this can happen. Where a guy
he doesn't you know, at least he called him and they said, well
you got to go online, and he didn't know what to do. Now,
of course twenty twenty hindsight would tell you. What you do is you
get a friend to help you out. I mean, you got to.
You can't just ignore it. It's not going to go away. And so
let's figure out if we can undo this thing and call over there. First.
I want to find out from Brad O'Brien if he could maybe he knows
where to look. We just need to figure this out, or Mark,
maybe you can look up something about trailer rights as well. So Tom oh
wait, well oh Brad said no, he doesn't know anything about Yes,
he declined, Okay, damn it, Just send me over the place's phone
number. I don't care about the trailer rights. I'll go ahead and call
over and see if I can't figure it out. As long as this guy's
got all the money, I mean, then I might be able to pull
something off. He doesn't have the money. That's a whole different story.
Yeah, he has the money to pay what he owes that. How much
does he o total? What are we talking? Three months? Can't be
a lot? Well, he's probably got some late fees. I would assume
how much total? All right? Just get all that info to Kelly,
show email it over, Okay, just to have curiosity, Duran, how
much is this lot rent? How much is a loaded? Yeah? And
the opendien though it's a one thousand around there? Wow, just for the
lot? Does that come? Okay? I'm just okay, never mind,
it doesn't matter, okay, three ol three seven one three talk seven one
three eight two five five. This hour brought to you by by the way
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nine two zero sixteen twenty two. Hey, I'm Tom Martino. You're troubleshooter
three all three seven one three talks seven one three eight two five five.
I have Eric Reinemer with me. It's just a quick question for him at
at LISS CPAs and Financial Advisors. By the way, this is important for
me, Eric, and then we'll get back to it. Are there any
changes for the tax year we're currently in that or excuse me, Yeah,
that coming up that people should be keeping track of so when they file in
twenty twenty five before April fifteenth? Is there anything going on this year that's
substantially different at all? Big? Is it the twenty seventeen tax cut bill
could go away in twenty twenty five. So next year is the year of
big chem Now, now, what do you mean the tax cut bill back
in twenty Trump bill, Man, the Trump bill where tax rates came down
and they were good until the sunset they go away in twenty twenty five,
how much did the rates come down? Oh? About to say, five
or six percent for everybody? Okay, So when Biden gets re elected,
you think he'll do away with it, You think he'll let it Son?
Here you I'll stop tell us, Mark, let's the story. Mark,
I'm just kidding you. Mark, I'm just kidding you. Man, I'm
serious, I really am. I I mean, but but Mark, I
just want you to know. There was a survey done and ninety nine percent,
ninety nine percent you'll ever stay away from surveys, ninety nine percent of
the A listers are for Biden. So all twelve of them, no the
A lister Hey, So Eric on a serious no and I am kidding Mark
on a serious noose, like cluding democrats who just don't like you, if
they are in power. If they are in power, do you think that
Democrats will sunset that bill, let it go away? I think if if
if, if the if they have the House and the Senate. If they're
in power, then I think they'll just let a sunset. But there's probably
gonna be a mixed government between all good. It keeps everybody, you know,
kinda I can pick up one way or the other one, so anyway,
it keeps the border wide open. Yeah, it does a lot of
good things, guys three h three seven. You know what, because Mark,
it won't well, I don't care. Well. I love them talking.
I want you guys feel free. Now on the iHeartRadio app, there's
a talkback button. Okay, now listen on the show here. You can
call that time what you think on the talkback button. Do not use it
for regular consumer problems. But if you have a scam you on a warnus
about, or if you want to make a statement about politics as it relates
to taxes, personal finance or consumer issue, feels free to do it or
anything. I'm not going to respect you to hear from one person that says,
oh man, I hope it's sunsets and my taxes go up. Now
here's the deal. You go to the iHeartRadio app and hit the red button
and leave comment. Shannon and Dragon will play them. And here's what I
want to tell you you can say anything you want, just we can't have
any of those words you can't say on radio. But other than that,
you can come pretty close. But here's what I really like. I am
trying to follow Mike Brown. He really uses the hell out of this Michael
Brown. He does a great job getting talked back. So that's what we
want to do. We want to be the second in second place for that.
Okay, so let's go back and talk to Kendra now, and Kendra
and we're trying to find by Mark is going to call that, uh that
trailer part for Breen. But now we're with kend what's going on with you?
I listened to a caller that you had yesterday named Joe who had Marvin
Infinity Windows by next Gen installed by next gen. That's right, and next
Gen refuses to do anything about it. The installation is horrendous. Yeah,
and I it was very similar to what I'm experiencing. I just had one
slider door installed by Did you have it done with next gen? Yes?
Correct? And it's you know what a lot of I think next Gen might
be a problem here, Mark, I'm thinking I mean two in a row
like this now, people might say, Tom two complains, how can that
be a problem. Well, when you take a slice of everyone out there
and I get two of the same in two days, now, Kendrick,
tell me what's going on with you? Kind of the same experience that Joe
was having a lot of air infiltration on the bottom of the slider, super
drafty, condensation on the inside track, freezing, and they blamed your house,
right, No, they didn't, Well they they didn't blame the house.
They just said the first time they came out, they put a bead
of cocking on the outside. That helped zero percent. The second time they
came out, they talked the inside. There was some improvement with that,
maybe like fifty to sixty percent improvement, but it's still really drafty. The
project in moisture now, yeah, and moisture on the inside. Okay,
So we got so what what's the latest word from next gen? We got
to start looking into next gen people, Oh, what's the latest? That's
the extent. They gave me some Marvin accessories is what they call them.
And it's a piece of like a plastic sponge that I put in the wheephole
and a piece of sticky velcro that I put on the corner of the inside
track to stop the chimney effect. I don't know if these are legit Marvin
accessories, but so I put the I install those in the winter, and
I got to remember to take them off in the summer. I'm just going
to tell you something, Okay. It is not a Marvin problem. Yeah,
it is a it is an installation problem. Okay, yep. And
I we a deputy doc. I know he's working from home today. Is
anyone in the studio by the way, No, okay, so Shannon,
No one's in the studio. No deputies are in the home mothership. We
do not have anybody currently, but we do have people taking cases. Okay,
let's give this wait. Is bo open bo and chopper? Okay?
Anyway you pick it. Okay, just let me know who have them called.
We need to we need to now step it up with next gen.
We need to step it up because next gen then come on, there's too
many. And I've gotten some inquiry since that call yesterday and now I'm getting
this one. Something's going on, folks. You see, we know about
things before anyone and I'm telling you something is going on. Something is going
on. So remember until we find out more. We are investigating this.
For damn sure. I do not like what I'm hearing, So thank you
for alerting us. We're gonna put you down here. We will have some
a deputy. Who do you think We're going to give this to Kachina.
We're going to give it to Chopper. Okay, So Chopper, I want
you to call him, like during the show if you can, and find
out what the hell's going on with their installation department and why they're not taking
care of these problems. They can't blame houses on all of this. For
God's sake, you can't just you just can't do it. Oh, Laurie,
what's happening? Laurie, Welcome to the show. What's going on?
Hi? Tom? Hey? I hello. I went online to a link
that my mortgage lender sent me. I was interested in purchasing my neighbor's home,
and so I contacted him. He said, okay, great, fill
out the application. No, wait a minute, wait a minute, wait
a minute. You want to purchase your neighbor's home, but your lender that
you wanted to get a loan from gave you a link to go apply he
did, Okay, So what lender was this? It's called American you know
what, I'll have to look up this specific. I'm okay, that's okay.
So how'd you find how'd you find this lender? You know what?
It's actually my cousin's husband and before and have no issues. You know,
it's okay. Fine, So your cousin's husband, your cousin's husband gave you
a link. What happened? So I built out the application at noon yesterday,
and I'm telling you, at twelve ten, I started receiving phone calls
and up until like this morning, so I've received over one hundred phone calls
of people trying to sell me a mortgage. And I'm like, and this
is my work number that I've used. So even today, I've received sixty
nine phone calls since eight am. Oh my god, wait a minute.
This link that he gave you wasn't a Was it for his company or is
he some kind of a broker? What is he? Well, she said
that it is his company. So I told him, I said, you
must be selling the information. I said because because he said he didn't even
receive my application yet and I was already getting phone calls. And I said,
well then either you have an unsecure website or you're selling my information.
And he's said that neither of those are true. But he's claiming that Experience
sold my information as soon as I submitted, and I and I wait,
how would experience know? How would experience know that you just submitted an app?
Did somebody pull a credit report? Right? So I'm assuming that this
automated system must have went and pulled a credit report instantly, because well,
hold on, when you went on, Tom, it's like Rocket loans.
If you use something like Rocket Loans, they send it out to a million
people and those I I get that, I get that. But Laurie says
she didn't use a company like that. She used one private lender, supposedly
her cousin's husband. It was probably a broker that was shopping it. I'm
wondering, and that's exactly what I told him, And he squears up and
down that it's not him, and I it's just can you give me the
link? What is the link? Let's ask Brent Ivanson as well. Yeah,
good idea, Okay, let me go ahead and pull that up.
I'll just be one quick moment here, okay, and then we're going to
take this break and come right back to you. I want to find out
what that link is. I'm Tom Martino three oh three seven one three Talks
seven one three eight two five five. By the way, Frank Duran the
real estate man, speaking of real estate. If you're looking to buy something
and you already know what it is, do you know what he can do.
It's called transaction brokering. I had him do this for a friend of
mine. They he was renting a place, one to buy the place he
rented, but they wanted somebody to do the contracts, the due diligence,
help him with title work and all that. And each party needed the expertise,
and they got Frank Duran, the real estate man dot com. It's
called transaction brokering. It's a lower fee, much lower fee because they don't
have to market it. He can do this and many anything to do with
real estate three oh three nine to zero sixteen twenty two. 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 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 O three nine two zero sixteen twenty two.
Hi Tom Martino, your trouble shooter three O three seven to one three talk
seven one three eight two five five, Louri, we did find out some
stuff from Brent Ivenson at Ideal Home Loans, by the way, for your
next Ideal Home loan, and I should mention when I mentioned idea, I
got to mention this. I just have to. They do the interest rate
guarantee, the only ones I know, and that means if you refire,
if you use a loan, you might want to consider this, Lorry,
seriously, you call Ideal three h three nine nine six nine thousand because when
rates go down, they'll refinance you free of charge. But I want to
I want to ask you to tell you. Brent said that as soon as
anyone pulls a soft pull on your credit or any credit, that the credit
bureaus now sell your say Laurie's looking for it could be cars by the way.
Yep. If whatever kind of a lender pulls your report, it goes
out to everyone. That is terrible. I wonder if you can opt out
of that mark. What do you think I got it? I mean somewhere
along you line you ever went to buy a car or go to buy anything,
and being able to opt out of anything, you know, But I'm
thinking somewhere though. Well, actually, when we don't deal with credit,
you just say we don't give them permission or not. That's just what they
do. I don't even though if you could demand that they don't do it.
I don't think you can. You know that information. It's terrible.
I can't believe how many phone calls you got. I'm at seventy six phone
calls now and this is you know, and just for anybody listening, don't
use your work phone. I thought it would be good because you could get
in touch with me where, you know. I thought it was a good
thing. You know. I think this is where a Google phone comes in.
This is where a Google phone comes in. You get a Google number
and you use it whenever you need a number, and you don't want to
miss a call because they can leave a message. You will see it.
You can forward it to your cell phone and if it gets overwhelming, you
can unforward it. I'm telling you. Google Voice is one of the best
inventions in the world. And I have a Google number. And what's great
about it is it's a real number, so it can be verified. And
if you have to, like if they send you a code, you can
go on Google Voice and get the code. You can always use a Google
Voice number. That's a good tip for everyone. But Laurie, sorry about
that, but you know, at least we found out what it is.
Three three seven one, three eight two five five. I'm taking you in
order, Doreen. Let me give you an update on your friend Hector.
Okay, he did not pay for three months and he was away. He
meant to pay. He called them. They said you got to go online.
He didn't know how to do it. So here is what is happening.
Mark, go ahead. Well, I left a message over there and
I said he's wanting to pay right now, give me a call back and
we're going to get you guys paid the day so he can quit worrying about
this. He has all the money and I should be receiving a callback from
the manager of that particular complex or park. Uh, pretty soon, so
we'll see. And the guy took detailed notes, So, Doreen, I
don't think it was a shine on. I think they're going to relate the
relay the message. But I guess another thing that I'm puzzled about is how
they could lock it up. I've never heard of that extreme measure. I
am. Yeah. I wonder if they already went through an eviction process or
something. We're not being told they're just taking little by little out. They
took out some of his clothes already. I just simply don't believe that.
Why would anybody want Hector's clothes? First of all, I don't think they're
allowed to do all of that wrong. Why would they The neighbors took pictures
to show Hector what they're doing. I wonder is it the park doing it
or vultures? The No, the park, because there's a sign on there
she put and she put just a piece of cardboard saying for sale. Oh
it's a for sale sign. Did he ever get any form of eviction notice
or notice that it was on the door when he got back marked it was
on the door. See, they might have gone through everything already. Yeah.
Yeah, but well no, I'm saying he might have been evicted.
He I have missed a court date. It might be done and over.
The sheriff might have showed up. I don't know. Ah, Okay.
The thing is is that the trader's kid. And if he could pull that
trader out, if they don't want agree to give him a chance, Well
hold on that can he can he pull that trailer? How big of a
trailer is that? Okay, let's go that's trailer. It's about Ah,
it's a double forty, it's a double. He's not going to pull that
out of there. Oh no, you can't pull it out. Oh,
you can't pull it out. No, ask him if you ever got a
court date? Please in the courts? Oh yes, he said that the
papers what he got when he came back, There was a court paper.
I'm telling you, can he give it a copy. We need to get
copies of this stuff. We need to get copies of this stuff. He
can't get in the part in his trader. It's all in there. Well
wait a minute. He said he saw it when he got back, but
he said when he got back he was locked out, So well no,
no, no, how did when did he see his papers? I mean
when did when did he see the papers when he got back home? So
when he got back home, Hugh said he was locked out and couldn't get
in, And you said the papers were inside? Where were the papers that
he saw when he got back Where were they all this? Do? Oh?
They were on the door, the door, And then how did they
get inside if he was locked out? And okay, when he was when
he went inside, he u the cops got there and they changed the locks.
Okay, so he temporarily he got in and then when he was there
they must have called the cops exactly. Okay, So he left the papers
when they kicked him out. Well, and if the cops came and kicked
him out, I mean, this whole thing's done and over, guys,
everything he left everything, his medicine. His feet are so swollen right now,
everything? Okay, okay, hold on, this is wrong, man,
This is there's something wrong. Something doesn't smell right. But Mark made
a phone call. There's a way of home. Feeling. I have a
feeling he missed a coordinate. He got evicted, they had the sheriff,
everything was done. Then he shows back up he's not supposed to be there.
They call the cops, the cops get him out of there, and
it's done and over. I'm afraid that's where we're at. But we'll find
out. I'm just making an assumption. Okay, Yeah, but Mark shouldn't
they have I don't know if he didn't pay for ninety days. A lot
of stuff can happen in ninety days, tom, Okay. So the problem
is is that's his place, his title. He has a clear title on
that. Yeah, and if he's listen, I'm once again it's an assumption.
But if he showed up to court, he might have been able to
say, hey, I don't know. I just don't know right now,
but it doesn't look good, honest to god. He wants to go to
the court. He wants to go to the court. He wants to see
if he could talk to the judge. He wants to see if he could
do something to take care of this, because he never missed the payment.
And he's he's just like, wait a minute, you mean you never missed.
I don't even know what to say to that. I feel like the
biggest monkey wrench in my life was just thrown hold on a second, I
am looking at this mobile home park thing, and they have a lot of
rice before they can move, And I don't see anything here talking about a
lockout. I'm looking at it prohibits a lot of these behaviors. Why do
you think the cops would show up and remove them? Then? That?
I don't understand that. I'm a look to see. I'm trying to read
this one. I'm gonna read it during a break. It says, are
we got a break? By the way, all right, let's take this
break. We'll come right back. 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
out three having 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. You know anyway,
nothing like Major Mark Major to try to get me going. And I'm
not going to do it, Doreen. I got to talk to you,
Duran. Hey, Mark, listen to this. I looked at us.
This cannot be the Dorine I'm thinking of. No, No, it's no
the Dorien you're thinking of. Mark. She just never mind. We'll get
into a different time anyway. Hector. I'm going to tell you something,
Doreen. Under the Mobile Home Act, let me just summarize it. It
may be terminated for a specific cause, which means failure to pay the park
with a ninety day notice, with a right to cure the non compliance with
in ninety days. A ten day notice is required first, and then ninety
days, you know, the ninety day notice, and then they can do
exactly what they did. Here's what they say. They can order a vacation
with to vacate within thirty days, and if they do not, they can
literally sell them. They can actually lock it up and sell it. Do
you know that. I mean, that's amazing to me. They can do
it to cure it, you know. I'm going to tell you, however,
it says that they can they can pay it. They have it sounds
like this is a ninety days to cure. After the ninety days, I
don't know how long this whole damn thing was, but it seems to me
they have some kind of right. Okay, so Mark's gonna follow this up
with the owners. We'll see, Yeah, hopefully I hear back from him.
The other thing we could do, in fact, let's do this.
Get me his full birthdate, first name, last name, and let me
see if there's an eviction on his record. Okay it is Hector. No,
I don't want it now, you give it to Kelly. All right,
Hold on, dear, hold on three oh three, seven to one
three. Talk Dan, what's going on with you? Dan? What's happening?
Dan? Yeah, I hate Tom Mark just a I'll give you just
a quick overview of what I'm dealing with. So we live in central Denver.
We've lived in the house we're now for about almost twenty seven years.
So, you know, like in most sections of Denver, there's a lot
of redevelopment. Yes, it happened, there was a new house being built
behind us, and you know, during the final stage of that, you
know, you know, I was really, I think i'll wrong a little
worried about if the contractor We're going to try to at least even ask us
if they can cut back some of our trees because they essentially well, they
may not need to ask you under certain circumstances. Hold on, we'll come
right back to you, Dan. I'm Tom Martino. We also have at
Lasidas and public Advisors with us. Give us a call three oh three seven
to one three talk or three oh three Martino. Go with a sure thing
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two. Y'all ripped up news need advice so you don't have the You'll come
running just as fast as we can. Shooter's gonna help coming man. This
is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here, Welcome
to the show. Three oh three seven one three talk seven one three eight
two five five. Welcome to the show. We are here to help you.
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Welcome to the show, folks. Let's go to the phones. Now,
here's the problem. Dan says, Okay, I've been in my house
twenty seven years. There's a lot of infill projects, new houses. There's
one being built behind me. And that's where we left off. And he
said something about cutting back his trees, and I said something like, well,
if trees overhang a property, they don't need permission to cut them back.
They do however, have to take diligent care not to kill the tree.
Like they can't be reckless about it. So go ahead, what's going
on? It was Excel, so I don't think it would be someone else's
property. It was probably something you know, where their telephone lines are,
did Excel do it? Or power lines? They did? So they have
a tree contractor that they refer to their vegetation management company, right right,
And so you know they came out on a Friday and knocked at the door
and said, hey, look, we've got to remove something. You've got
some branches and we and by the way, we're also going to put a
high voltage on the top of the poles, so we've got to cut back
your trees. Sure, right, let's go back and see. By the
way, that's an ease, right, Okay, No, I understand,
I understand. The utility is meant that by the time I got to the
backyard, that three workers jumped the back fence, hit the trees and start
cutting everything from the ground up forty feet so and this is back to the
trunk, right. These weren't safety cuts. These were like, okay,
Dan, it depends, Dan, It totally depends really where they cut.
They're allowed to cut anything on their easement anything but so understood. I get
that, But if it's on there, if if let's just say you had
a big tree on your yard, a big, giant tree, a beautiful
tree, and then that tree hung over the easement, they can cut it
back. They can't go into your yard and take the tree trunk and trim
it down to the tree trunk in your yard. Where was the trunk that
they cut back to the trunk. It's a very simple, uh situation.
Was it on their easement or in your yard? It's in the yard,
but well then it's not in the yard. The yard is not the easement.
The eastman is the easement. The yard is the yard. The eastman
I know what you're thinking, the eastman goes across your yard. You're absolutely
right, But technically it's not your yard. It's your yard to use.
But it's their easemen to do whatever they want with. I mean, as
far as the state of does right within the definition of the utility isn't though
it's you know, it's for the utility companies to take care of the make
sure everyone have service, that make sure everything's safe. Right. No,
that's absolutely that. Yeah, that's absolutely true. That's right. So what
did they do that was unsafe? They've had everything in between that round the
secondary lines and everything. They so give anything with the kid. They said,
Dan, you and I may not like what they do. I'm going
to say it again. If it's their easement up to the sky, they
can do it. They are allowed to do it. So many times we
get used to seeing things on an easement that we start thinking, you know,
well that's going to be left alone, or they have an obligation to
work around it. They do not, do you know there have been some
people who've had fence lines, beautiful privacy fence put in and they can come
and knock that fence down. Yeah no, And it's I know that there's
a lot of great you know suck by the way, I don't like saying
that. I think it sucks, you know, because we sometimes these easements
have been left alone for years and years and years. Then all of a
sudden there's a couple of new project and boom, you know, you you
lose that you use, you lose that status quo, and you're thinking,
what the hell they didn't have to do that, And you're right, probably
they probably didn't have to technically come back as far as they did. But
these companies, they don't give a damn. They just want to get the
job done. Great, No, I hear you, and I you know,
you know one of the things I'm concerned about though, And I've got
actually I've got to run because there's another arborist showed up earlier. Yeah,
yeah, I had planned air later today, but I had This is second
arborist I've had to take a look at what they did. I'll just say
the first one from part of the large tree companies in Denver that he had
never seen this excessive amount of cutting right by itself ever, I mean ever,
And yeah, it goes across five sixty year old blue spruces that are
probably pushing sixty seventy feet tall. Do you think do you think you kill
them? They're they're risks, I mean, and dying and you know,
decay, disease. So give us property value and you know the tree's rush.
They need a lot more now. But Dan, just so, I
just don't want you wasting a lot of time and energy because truly you're barking
up the wrong tree, as they say. And I don't know pun intended,
but you're not gonna If they are on the easement, they're fair game.
Yeah, we'd like to believe that. Trying to get them to just
be good people or good stewards of our environment. Well, and they could
have probably done They could have probably taken a lot more time and care,
and maybe in cases like this, they should say to the homeowner, listen,
do you want to hire someone to get this done? And maybe then
your person would have taken way more time and energy. But I'm telling you,
if your arborus says to you, Dan, these trees are probably gonna
die. And you're thinking, well, I'm going to make a stink about
this. Good, you can make a stink, but it's an easement and
it's not yours. Yeah. No, that is a tough thing, especially
even now the phone. Right, So it's the last twenty seven years.
I get it. I wanted you to VND because I know a lot of
people feel the same way. But literally, nothing nothing, it can be
done about it. And I mean I mean they can't unless they did something
outside the easement. Uh, they're allowed to cut it. But here's the
problem with Tom, honestly, is if the contractor puts this in motion to
get more light in their yard. That's the misuse of the easement, right,
and the whole purpose of it. It's not still a private party can
benefit from you having, you know, leveraging that you know, utility company
to cut in someone else's property so they can sell their multimillion dollar house.
And that kind has nothing to do. But I'm dealing with the homeowner.
The homeowner didn't ask them to do that. The builder didn't ask them to
do that. They didn't they the contractor put in service request. That's right,
It wasn't. So it's saying that's yeah, what I'm getting at it
is crazy. It's not the guy wanting to sell his multimillion dollar house,
and and well he should want to sell it. But that's not why that
was cut back. It was cut back because here's why it was cut back,
plain and simple. The utility company wants a clear easeman. They hire
a company to clear the easement. The company can do it in one of
two ways. They can cut back just enough to keep it clear, or
they can say the hell with this, where you know, they got a
bunch of bozos working for him. They just want to get in and out
of there. That's what happened. Three all three seven one three talks seven
one three eight two five five. We got more coming right up on the
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two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three oh three
seven one three talk three oh three seven one three eight two five five Greg,
what's going on with your Kia Soul? What's going on? Did you
lose your soul? Sir? What's happening? Yeah? I had a two
thousand I have I had a twenty fifteen Kia Soul, and on March twenty
fourth of this year, I'm sorry, March fourteenth of this year, twenty
twenty fourth, I took it to Grand Kia up in Portant and it wasn't
running. It was it wouldn't go fifty miles an hour on over fifty miles
an hour in the highway, and it was acting like it was a catalytic
converter, and what what is the what is the dealer? You took it
to Grand Kia, Okay, yeah, yeah, And so I took it
up there and I said, I talked to a service guy up there,
a service manager, and I said, well, I'm pretty sure it's a
catalytic converter. He goes, okay, well we'll check it out. So
he checked it out and they called you later in the day and he says,
well, we see it's your pl one fuel O ejector needs to be
changed, and then the other ones needs to be repaired. Three needs to
be repaired. And so I had them do it. And so after I
picked up the car that day. Same day, I picked it up and
I started driving. It just wasn't running right. And me having a job,
I was trying to rent a car and trying to get back and forth
to work and everything. So I let it go for about almost two weeks,
and they're still kept betting worse and worse and worse. I took it
back to Grand Kia two weeks later, and I said, this thing's not
running right. He goes, well, I said, my engine light came
back on for one thing. He goes, well, let me go out
and check. The service manager went out and checked it and put a did
a code read on it. Come back. He said, oh, you
need a new gas cap. I go, oh, really, a new
gas cap is going to help my car run better. He goes, yeah,
that's all you need is sucking in oxygen. Oh okay, put a
new gas cap on. Go two miles, still doing the same thing.
Brought it back. I said, I need somebody to drive my car now.
The service manager got in there, drove it, came back said,
yeah, it's your catalytic converter. Yeah, no kidding. So anyway,
here's my dilemma is I went up there two days ago, talked to the
service manager and what do you want from them? What do you want?
I want? I want them to cover this seventeen hundred dollars part of that
seventeen hundred dollars I had to spend because it was originally the catalytic converter causing
the problems. Now if that's true, If that's true, how many miles
on this car one hundred and forty two thousand, Well, then then you're
going to have a problem because it could also be both. It could have
been both. Now we're never going to know this, But here's what I
would do if I were them. I mean, it would take an opinion.
I had a second opinion. What's that for the catalytic convert I had
a second opinion for the catalytic converter. But you let them do the injectship.
You let them do the injectors. Yeah, because according to them,
that was the only thing wrong. I no, I get you, I
Greg, I understand exactly what you're saying. What I am saying, is
it is pot possible that those injectors really needed work done. It's possible at
one hundred and forty thousand miles, and it also needed cat work. What
I'm saying is it may not be a complete cheat. Now you said it
needed a cat and you had a second opinion. Well, if that was
the case, what did you let them do it? If you had two
opinions, two opinions said it needed a cat and one opinion saying you needed
injector work, why did you go with the one opinion and not the two
Because it was going to be over four thousand dollars for a catalyty converter car.
Okay, okay, so you chose to take a gamble on the lower
cost work on the hopes it would take care of it. I but but
how is that? Listen, I'm not sticking up for grand But how is
that their problem? If they tried to fix it, they get you got
what you paid for and it wasn't the cheaper solution. And how do we
go back in time and prove at one hundred and forty thousand miles that you
did not need the injectors? Now, a good compromise would be if they
would give you that job at cost? Did you ask him about that?
So you just say, listen, can you just what's that I did not
ask them about? Did you ask them for anything on it? Did you
say anything? Did you? I said yes, I wanted to. I
want I want seventeen hundred dollars back. But you're not going to get it.
You're just not going to get it. Well, okay, don't you
do a test drive after? Don't you do a test drive after you fix
a car? I think it would be good for small claims court. Let
a judge decide that would be a good one too. Listen, Greg,
I'm not entirely Greg, I'm I'm not entirely disagreeing with you. What I'm
saying is because of the mileage, it's going to be difficult if they say,
oh, no, you know, our diagnostics showed he needed injector work.
I can't believe you think these guys did this guy. I didn't say
they did him, right, I didn't know. I said, I don't
know, and neither does he. It's very possible the injectors needed work at
that mileage. But he also made a choice knowing that new people told him
he needed a cat, he made his choice. I think we should ask,
and I'm being serious. We asked Kevin Caukin. I wonder if bad
fuel injectors can cause a cat to go out, and I think I'm correct
on that. Well, let's find out. That's a good idea. That's
for a month. I drove the bad cat for a month. The mileage
on the car is the same for in and out. They didn't even do
a test drive. Well, but that's although they should. They probably started
it up that you don't really have to do a test drive. To be
honest with you, Greg, they very seldom do test drives. They really
do. The only time they do, they don't do it for liability reasons
and they don't have time test drives they don't do. They usually put it
on a scope where they started up to make sure it's running right. The
time they would do a test drive is it they had a ball joint problem
or a problem where they want to make sure the ride is feeling good that
you can't tell from running it. But hold on a second, Greg,
I think Mark had a good idea, and I think any driveability issue,
most good shops are going to do a test drive afterwards. Okay, So
what I'd like to do is get Kevin calkin on to give an opinion on
a couple things. I have a couple questions for Kevin. For example,
is it possible the bad injectors caused the cat to go out? Is it
possible that you could have had both or is it unlikely? And what would
cause the cat to go out if the injectors were perfect? I don't know.
I mean, these are questions. I just want to ask for peace
of mind. Three three seven to one three talk? Do we have them
on already? Kachina? Do we have them? Yes? We do,
Yes we do, Kevin call can share it an auto tech. We have
a real simple question. Is it possible? I just want to know.
I'm not leading or baiting. I'm not going to tell you the whole problem,
but is it possible? First of all, for injectors to need work?
Is it possible at one hundred and forty thousand miles on a on a
grand excuse me, on a on a twenty fifteen Kia. Not likely,
but possible. Okay, so that's good. It's not likely, meaning those
injectors should last well past one hundred and forty thousand miles. Yeah, the
fuel qualities and everything today, the injectors rarely fail. Okay, okay,
good. If they did fail, can they make a cat go bad if
they're overfeeling. Absolutely, if you have a chap engine like flashing while you're
driving and you can see. But if he didn't, he didn't have a
check engine, Like did you have a check engine like Greg? I did
not when the car started acting up with the Cat, I did not get
a check engine. Well, you say, with the cat without prejudicing,
Kevin, what were your symptoms? I couldn't get over. The car wouldn't
shift until I went into the manual shift, and then with high RPMs and
trying to get it to shift into the next gear was impossible. Kevin,
Would that tell you the cat was going bad? Because this is the thing
Greg immediately thought was plugged. That's saying it seems more like a cat than
injectors. Yes, okay, so Kevin, Greg, Greg is scoring one
thousand so far. So no, no, no, no. The only
we're only part I'll disagree is if those injectors were overfueling, they could have
took the cat out. Yeah, but you okay, I've been driving it
that way for a month before I took it. But he said Kevin said,
there would have been a check engine light if they were overfueling. Oh
yeah, there was. And Greg said there was no check engine light.
So what we're to assume from what we're hearing, it's very likely the cat
was going out. Now, is one hundred and forty thousand miles likely a
cat could go out? It's conditions, if it's burning a little bit of
oil or anything like that. Yeah, let me ask you this, Is
it more likely at one hundred and forty thousand miles? Is it more likely
to be a bad injector or two, or is it more likely to be
a cat's that's a tough one. That's a coin toss. Yeah, But
here's what we're trying to figure out. Kevin, let me let me just
tell you what we're trying to figure out. He took his car in with
driveability issues, could not go over forty, was losing power. They said,
you need work on your injectors. They did work on his injectors for
seventeen hundred dollars. Then the car slowly got worse and then they said you
need a cat. Greg said, I told you I needed a cat from
the beginning, So what would you say about that? I think he's great,
Okay, so maybe small claims court, Greg would be the way to
go to tell these guys, Look, you may have worked on my injectors,
but I probably didn't need it. What I'd like to know is this,
Greg, why didn't you go right back when you notice no difference after
doing the injectors? It's because of trying to get back and forth to work
and trying to figure out a rental car and things like that. Wait,
must have been better. You did get over forty though you said when you
brought it in you couldn't go over it started out. It started out good
for about two or three days. But I know I would just want so
let me ask you, Kevin, why would a bad cat when he took
it into the shop, Why would a bad cat work for two or three
days after they did the injectors. That's kind of hard to explain. Yeah,
that I couldn't explain. And then he said there was no check engine.
Like, guys, if that thing was running so bad, why wouldn't
have a check engine? Like? Come on, if that cat was so
clogged, there would have been check engine lights for misfires, driveability, cat
all kinds of things. That's confuting with none. You see, Greg,
here's the problem going back in time with a car and Kevin. Am I
right or wrong? This is what I'm thinking. If they if he takes
them the small Claims court, can't they say something like this, Look,
it could have been injectors, It could have been the cat. We took
the less expensive option, and you agreed with it because and he even admitted
that to us that he didn't want to do the cat if he didn't have
to, so he did the injectors. Then it turned out to be the
cat. Can't they make the argument that one hundred and forty thousand miles he
could have needed both, yes or none? I mean, I mean the
one and the one caused the other. Yes see, Greg, I just
think it's not as clear cut as you think. He went in and said
I want my entire seventeen hundred dollars back for the injector work, and I
think it's unreasonable. I just I go back to my original And now I'm
not saying they were right, by the way, but I don't think you
can get your entire seventeen hundred back. What I would do is ask them
if they could at least give it to you at cost, that would be
great. I'm not you know, I started seventeen hundred, but if I
should get half of that even or well, ask them. I don't know,
Mark, I don't know, Kevin, what do you think the markup
is on that? If they work? They had to replace one injector and
work on the how many injectors on that vehicle? Okay, so it's just
a four cylinder right right, So it's seventeen hundred to replace one and work
on the other three? Is that expensive? No, there's really no work
to be done to let me replace them? Or I mean, did they
replace all four? No, they replaced one and repaired. I have the
actual invoice in front of me. They replaced four and they and put a
jector, O rings, hit a washer, injector bracket, and am injector.
So is that that seems like a lot of money for four seventeen hundred?
It does? That seems little state? You know what, Greg,
Maybe you were entirely screwed here, But man, I'm going to tell you
call them right now and just ask them for an adjustment. Tell them you
talk to another mechanic. Yeah, I did to him. You know he's
supposed to call me back at ten o'clock yesterday. I'll have an answer for
you at ten o'clock yesterday. Well, if you don't get a call today,
call us back. But call them back and say, look, I'm
looking for an adjustment on the injector work because it was questionable. Maybe let's
have a deputy reach out now. It might be a good time because they
haven't called him back yet. Okay, let's give it to deputy. Let's
see we gave Chopper that other one. Let's give this a how's that?
Yeah, let's do that. Three o three seven one three talk seven to
one, three eights kick an ass? Yeah, got more 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. Time for an insurance check up free,
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Frank durand the real estate man dot Com to list your home with Remax Alliance.
Three oh three nine two zero sixteen twenty two. Okay, I'm Tom
Martine. Welcome to the show. Three oh three seven one three talk seven
one three two five five Doreen Mark. Did you do a check on this
guy to find out why? Yeah? Unfortunately I forgot about something. We
did do a background check. I mean, he's I think he had a
traffic violation or whatever. But the problem is I forgot. Colorado changed it
to where evictions either in process, well in process are one hundred percent hidden,
and then outside of that most of them are hidden. So, in
other words, background checks don't show evictions anymore in Colorado. And guess what
else is changing what They will no longer show medical bill delinquencies on credit reports.
Uh yeah, yep, yep, that's true. That one I kind
of agree with a little more than a yeah. The other one, they're
just going to chase every landlord out of this state. I mean, they're
already doing a damn good job of it. So and what's that going to
do? That's going to make housing more expensive, which is exactly what they're
trying not to do. It's just remarkable how stupid the people running Colorado are
honest to god. But no more medical bills on credit reports. And you
know, I'm not so sure I got a problem with that one though,
because I don't have a problem because you know, people don't have a choice
with that. If they're like screwing around with their credit cards and other stuff,
that might be a worth a ding on your credit. But my god,
if you had to go in from needed surgery or something and didn't have
the money, that doesn't necessarily mean you're a deadbeat. I almost look at
it a little different same thing as what you said. But if you go
into you know, XYZ hospital to get a colonoscopy and you have insurance,
it's not going to cost you much at all. In fact, generally it
won't cost you anything. It's part of your coverage. But if you don't
have insurance and go in, instead of charging the insurance company five hundred or
fifteen hundred bucks for the procedure, they come after you for twenty grand.
I mean, they deserve to get stuck occasionally. Now, you're right,
because many times when they do go after collections, they're not And first of
all, What do you think about that? What do you think about having
tiered pricing? Like you charge an insurance company for an MRI six or seven
hundred, and you charge a consumer nineteen hundred. I mean, I think
it's absurd. Imagine if you walked into a restaurant. You go into Sizzler
in your steak is ten bucks. I go in and it's fifteen because you're
driving a different vehicle. I mean, there's no sense to it. The
reasoning behind it was that insurance companies will generate a lot of business, therefore
they get a discount, whereas people walking in off the street don't deserve.
And I think that whole system is just wrong when it comes to healthcare.
I don't want to get into it right now, but I could make an
argument why health insurance and insurance in general, just insurance should not be a
for profit business. There's a reason for it. And don't think I'm a
communist, I'm not. There's a very specific reason. It actually cuts down
on free enterprise, does not encourage it because because they are not the insurance
companies are not providers. The providers are the doctors and the nurses and the
clinics or in car insurance or in any kind of insurance, the providers are
the people doing the work, and then the consumers are the ones paying for
it. But the insurance companies are inserted in the middle. And when you
have a profit motive in the middle, no matter what, it either takes
away from the supplier or it takes away from the consumer. There's no mathematically
Kaiser besides the Kaiser way. You know, we've had this conversation a lot,
and I agree with you in theory, But who would be there has
to be that middleman. There still has to be an insurance So yes,
how would that work? There? There is a middle man with Kaiser there.
What I mean by that is this is that what happened with insurance is
they stepped in and did something called managed care. Let's let's take the coding
off of managed care. Okay. Now we can make the argument that some
doctors had to be managed because they took advantage of insurance, but that's in
every industry. Let's talk about the real reason there is managed care. What
they really mean is managed claims. It's just a fancy word for reducing the
amount of the claims. That's what they mean by managed care. Now to
some extent, do I think that needs to be done. Sure, sure,
maybe it does. But it should be done by supplier and consumer.
That's what free enterprise does. It shouldn't be done by an insurance company that
wants to want They're not doing it to reduce cost. They're not even doing
it to increase profit of the supplier. See. I have no problem with
supply and demand and products and consumer setting prices through free enterprise. But here
there is a third party and they're in the middle. So for them to
set prices either takes away from one or the other or both, and most
of the time it's both, and so they set the prices. There's nothing
wrong with having insurance if it's nonprofit, because then there is no motive to
cut back on care. The way you would choose between a kaiser which is
nonprofit, and let's say another new company that comes up that's nonprofit, is
who has the best longevity rates, lowest fatality rates, the best health rates,
Who is keeping people healthier? It's not who will pay me more of
a dividend on my stock in an insurance company. It's just counterintuitive, in
my opinion, it's absolutely counterintuitive. It really is not free enterprise, and
it's just the opposite. It actually controls the costs and controls the purchase and
why so they can make more profit. And that's the only thing there is
is profit. So insurance companies are marketing profit. They're not marketing healthcare.
They're not marketing anything but profit. They are inserted in the middle. I
think there is a need for insurance, but of all industries in the entire
world, it's one that I do not believe should be profit centric. Saying
the people who run it shouldn't be paid. Well, I'm not saying agents
shouldn't be paid. Well, everyone should be paid, every single person.
But there's no reason to have stockholders or the president of some giant insurance company
making money off of someone else's problem. And what's what's your thoughts on a
hospital, Well, hospitals are great because group doctors. No, I'm marking
for profit mark nothing's wrong with that because you have a supplier and you have
a consumer. So if consumers pick a doctor and they don't like the prices,
they can pick another doctor or another hospital, and hospitals would compete and
doctors would compete. Well, now what, it's not that simple. Because
most hospitals are making their money off of accidents. And it's not like you're
going to go Mark, but I came out of a car wreck this one.
All I'm saying is the comparisons I'm made making are between consumers and suppliers.
What I'm not insurance companies are inserted in the middle. There is nothing
wrong with profit from anyone, But why have a third person making a profit
at the expense of the supplier and the consumer? That is what not makes
sense. And they're offering nothing zero, They're offering nothing. How about home
insurance? Isn't it the same way, then? I think it's exactly I
said. The one industry in the world that I believe should be nonprofit And
I don't mean people don't make money, I just mean should be nonprofit.
Are companies that attempt to insert themselves and make money off the misery of others
by reducing what they get. It's never by increasing what they get. It's
always by reducing and reducing hurts both the supplier and the consumer. Go with
a sure thing best roofer excel roofing dot com. You don't pay a cent
until you're content. Time for an insurance checkup 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.
I'm Tom Martine. Let's talk to Eric Reinermer Atlas CPAs and Financial Advisors
and so Eric on the on the tax thing. Okay, I just want
to ask this. This is not a text. I have some text questions,
but we may now have time for those. Right now, what is
the number one mistake people are making on taxes? I think? I know
they don't make their their quarterlease right, they don't make their estimated payments.
Is that one of the most common ones, you think? Or what?
Yeah, they just get later spaced out and get a letter and realize they're
in a jam. So if you don't make quarterly estimates and you're self employed,
you're gonna end up most of the time with a penalty. Is that
right? Correct? So the estimates? People misunderstand this if you pay too
much, you'll get it back, right. It's not like you're paying it
and kissing your money goodbye. Yeah. Usually it's just having the discipline to
get it paid in quarterly to avoid getting dinged with penalties and interest, and
they're based on the prior year generally. Yeah, you can do the safe
harbor thing with which avoids penalties. Right. It avoids penalties if your income
is going up and you pay in what's o the year before. That's how
there is a rub. There is a rub to it, Tom, what
is it? Well? The rub is sometimes that penalty is so small compared
to what that money could have made you. Let's talk about that coming up
that we don't have time right now, but let's bring that up. I'm
Tom Martinez. Three O 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. Leave 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 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 rip you need so you don't have run anxious.
As fast as we can, Shooter's gonna help. Come man, This is
the Troubleshooter Show. No Tell Martinez, Hi, Tom Martino here, Welcome
to the show. Three h three seven one three talk three h three seven
one three eight two five five. We're here with Eric Reinemer from at the
CPAs and Advisors. They do all of my work and love having them on
the show as well. And then also we were talking before the break on
with drawn on paying quarterly. Now we're these are mainly for people who are
self employed, or you might have a business on the side along with your
employment. But these are for situations whether you have W two or not,
where you're not having enough withdrawn. Now, if you're a W two employee
and have work on the side, you can even be hit with penalties right
for not paying the proper tax? Is that right? Eric? Everyone has
to pay into the government a certain amount or you're penalized, Is that right?
That's right? You can't put the MC closer. But you can't simply
you can't simply decide to pay it before April fifteenth. It's all about what
did you owe over the year and did you pay it in timely? Right
now, let's say you have a W two job, either self employed and
you pay yourself W two or with someone else W two that has nothing to
do. I mean many times that could be all the taxual. Oh but
if you have other income, you have to be absolutely sure, especially people
with sub subs corporations or sole proprietorships, they have to make sure that they
pay in an estimated amount or be penalized. And Mark brought up something.
Any Oh wait, hold on though, Eric, just from what he just
said on a W two employee, how about if the W two employee tells
his employer, I've got twenty kids or twenty exemptions and they barely withhold anything.
But then at the end of the year, of course he makes whatever
they say one hundred thousand, do they get penalized as well? They will
totally get penalized. If you mess up and don't have enough withheld, then
you're screwed. You're gonna be under it. And it doesn't matter if you're
a sole proprietor or W two or anybody, is my point. No,
that's that's a good point. So no matter what, if you don't pay
in at least how much one hundred percent of the previous year. Yeah,
well it's actually it's one hundred let's just say one hundred percent in general.
But there's another group that's getting in trouble is people that have investments or even
gets Social Security and don't have it withheld. They can end up getting whacked
at the end of the year. Even retired people with a bunch of investments.
Those have to be paid in over the year too. Now, how
about Eric, and I know the answer to this, but explain this to
people. How about like, if you work all year, but let's say
third quarter is where you make all your money. I don't care if it's
a retail store or someone that only works in the third quarter. Let's say
you, once again, you make one hundred thousand in a year, but
ninety of it was made in the fourth quarter. You can actually go to
your accountant and they can file the correct paperwork to where you won't have to
pay the quarterly for that until it actually happens instead of being spread out throughout
the year. Right, that's right. There's an extra form you could fill
out the state when you earn the money over the year enough if it's worth
it to do that to not get penalized. Yeah, and for let's say,
let's say places that do a big Christmas business, you know, I
mean that would be only in the fourth quarter. So your only fine,
here's your penalty. Your penalty is based on when the tax would have been
owed and for how long it wasn't paid from when it was earned, right
right from when Eric brought something up. Crazy because back in the day,
I remember I didn't make quarterlies, like in twenty sixteen or seventeen. I
just totally forgot. I mean I just didn't make them. So I go
to pay my tax bill and I had to pay the interest in stuff,
and it was so small. I was like, why would I ever pay
quarterly because I could have if I did pay quarterlies, I could have simply
invested that money and made more than what the penalty was. But then Eric
explained, why now is different high interest rates that that the fes you're charging.
Yep, yep. Back then, tom two percent two percent. So
you figure once again, I'll use one hundred thousand. You only have to
pay two thousand dollars and you get to keep the one hundred thousand for the
year in a quarter, and you could easily make two thousand bucks off one
hundred thousand. But now now you're talking big dollars because you're seven eight nine
percent, And that's all right right, because it's based on the federal rates.
So the whole idea is to pay quarterly. I mean that would be
the safe haven as they call it, meaning you don't pay penalty, but
you still pay interest or not. Do you pay interest? Sure, you
pay interest. So if you don't make your if you paid in one hundred
percent of the previous year, do you still pay interest if you owe more,
it depends on if you paid it in evenly over the year or not.
You can't just pay it all on January fifteenth. You have to be
paid in evenly over Let's say you make quarterly payments, quarterly payments one hundred
percent of the previous year, and you did it quarterly, you won't be
penalized, but if you end up owing more than the previous year, you
will pay interest on that more. No, if you're in the Saint Harbor
and you've paid in one hundred percent, then you could come to April and
oh a million bucks and there is no there is no interest because oh that's
holy, because the government knows you'll never know by January fifteenth what your taxes
are. So if you've paid in one hundred and ten percent, if you're
a high earner, and then oh a million bucks on April fifteenth, there's
no penalty, all right? Should it be then? Okay? Is it
one hundred and ten or is it one hundred? If your income is over
two hundred thousand dollars? I think it is that is one hundred and ten
percent, So it's better to be safe. Okay. If you have risey
income, paying ten percent on top of what you owed last year, that's
the safest safe harbor. All right. Now, let's go to Reggie,
who has a question. Reggie, what's happening? Hi? Tom, Hi,
Reggie, what's going on? I? Yeah, I have a relative
who recently passed in test eight. I'm and what kind of relative is it?
Is it? A close relative? Yeah? Brother? Okay, his
brother? Okay, go ahead, your brother, and yeah, and so
I'm in the process. We went to our a lease, are in the
probate process, and I have yet to be named as the personal representative.
Well, how many siblings are They're all together with me, so it's just
you and him, and your parents aren't alive. That's threat. Does he
have a wife or kids? No? Did he ever have a wife or
kids? Yeah, his wife passed some years ago. And what about any
biological children? None? Oh, so then you are next in line.
It sounds like, yeah, yeah, I just haven't gotten the I guess
the papers, but no one names you. You name yourself. What do
you mean, who are you waiting to name you? Well, apparently I
need papers from the court saying okay, Reggie can get his bank account,
saying no, that's not true at all, Reggie, Reggie, that's not
true at all. Nothing is going to happen automatically. Nothing, well,
not that I was partamatically, but I've gone I'm in the probate process.
I just think, oh, well, you didn't tell me that part.
You said, here's what you do. First of all, you have a
death certificate, right correct? How much does your brother have in his entire
estate, let's say, pretty close to three quarters of a meal. Okay,
then you go beyond the small affidavit. What you need to do is
file probate. Did you open probate? Yes? Did you do it longer
with an attorney? An attorney and your attorneys should tell you this should only
take a few months. I mean, so when was it opened? So
last about three weeks ago? Okay, well, my god, this is
going to be about two or three months. Okay. But my question is
this. His house is in a hot part of Denver, and so I've
been contacted by i'll call them developer types where they say, you know,
we'll offer you this, we'll clean the house out, missions, pay whatever.
Uh. And so my question is, be beware of that man.
Just but hold on, Reggie was aware, Reggie? What was your question?
So? Should I get a real estate agent or go with the guys
who are all? Right? Hold on? No? Will you never just
go with people who call you and offer you stuff? But Reggie, hold
on a second. You don't have the power to do anything, right now.
You understand that, right? I understand that? Yeah? Okay,
So here's what you do. If you have a home. You call Frank
durand the real estate man for an honest to God evaluation with no obligation whatsoever.
Okay, and you say, Frank, I need to know what this
is worth, either as a sale for the lot, for the redevelopment value,
whatever, what is it worth, and then let him give you an
honest to God opinion. He won't charge you a dime. Then then if
somebody wants to buy it, it's all about the money. But then I
would have at least an attorney like Bradley O'Brien at O'Brien Legal Services. I
would have Brad at least look over the paperwork to make sure that it's legal
and you're not being screwed. And don't ever I'm going to tell you this
right now, a blanket statement, don't ever finance it. Ever you have,
I would say, you real, Frank list it man, I'd call
it Frank Duran and just have him deal with whoever. It doesn't matter if
they're investment guys or the neighbors or who's true himself true, then he can
handle it all. But what I meant, Mark was not that you don't
do that, but first get an evaluation so you at least know the ballpark
you're talking about hey, Reggie. And also here's another thing. Okay,
not to screw Frank out of anything, he's a great guy. But if
Frank does an evaluation to say, you know what, Reggie, this is
worth a million dollars and these guys are offering you a million, then Frank
can help you with the transaction broker thing, or you can go to the
attorney. There's no reason to pay a full commission on that if you're going
to get what it's worth the only time, you know, I mean,
he's just common sense. Now, what I'd like to know is what part
of town? I'm just curious Bonnie Bray. Wow, that is a hot
part of town. So wow, what part? What part? You don't
have to give me this street? What part? Oh? Near Mississippi and
University? Okay, less so than if it was nearer to the Ellipses Park.
But it's still a good area, really good area. That's almost like
between wash Park and Bonnie Bray. Right, that's that's a good area.
You don't want to be too close. You don't want to be too close
to University. And what size house? All around one thousand and twelve on
a square feet So they want to knock it down. They want to screen
it bild a three stories and make it beautiful, but that it's still worth
a fortune. Man, Yep, yep, okay, So Reggie, start
with Frank. You won't go wrong, I'm telling you, and then find
out find out what it's worth. But watch out for these infillers because what
they want to do is steal it from you. Okay, that's what they
want to do. I mean they want to make as much money as possible.
What were you? Let me let me ask you. Did they offer
you anything so far? Have you gotten any offers or did they give you
a hint? Give me a hint? Five sixty five was the top so
far? Five sixty five. I think, yeah, it could be not
much more. But okay, that's not bad. That's not terrible because we're
talking about a lot really, but it might be worth it a little more.
It really depends on right where it is. But I don't want to
know that on the air. So thank you FRANKL for calling. Frank Duran
will know everything. Frank durand the real estate man dot com three oh three
nine two zero sixteen twenty two. Thank you. Okay, we got 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. 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. Hi Tom Martino,
you're a troubleshooter. Three oh three seven one three talks seven one three two
five five. Deputy Bow called for Greg. He called Kia Grand Kia U
REGs. It's very easy. I don't know Greg has a big case here.
But here's what happened. He took us twenty fifteen Kia Soul one hundred
and forty thousand miles to Grand Kia. It was losing power and he said
he needed work on He said they said he needed work on the fuel injectors.
He had suspected that it was the cat, but he said he'd go
for the injectors because it was cheaper. After they did the work, he
still had the problem. They eventually said he needs a cat. Now he
says, wait a minute, I want a credit for the work they did
on the injectors. And I said, I'm not sure you're going to get
all of that back, but it was overpriced for sure, according to our
expert. Boe. What did they say. We're trying back. We're trying
to get him back right now. Oh sorry, Well, okay, I'm
not going to explain the whole thing when we get him back, but I'm
just wondering what the hell is going on with that case. Three h three
seven one three eight two five five And we're happy to talk. Okay,
bo we have them. Good them up there, go ahead, Bob,
Hi Tom. They're able to call the Grand Kia and Thornton. Yeah,
and they were a lot more responsive, good company, a lot better than
dealing with Camping World. I can say that I was able to get a
hold of the light people. The service manager said that mister Greg did bring
the car in and they did a diagnostic and they said there were no catalytic
converter codes, but the number one cylinder was not firing, so that's why
they did the injectors. But I told him the situation that about the catalytic
converter, and Greg did go to some other leaderships to have it checked out.
So but but but grand Key is the one that did his cat.
Just so you know, I don't think you had the Catalan converter, Don
tom Oh, I'm sorry. I thought, okay, okay, because they
quoted in four thousand dollars and there was extensive so Greg I might have misunderstood
him. Then, Okay, now that he has to buy a cat,
he wants credit for their injectors. What did they say? Okay, they
were very nice about it. He said they were willing to split the difference
and give greg an eight hundred and fifty dollars reef on on the bill for
the injectors. And well, that's really good. I thought that was very
fair because apparently the number one showingder was not firing properly. And no,
no, I think that's wonderful. Yump, for sure. I would say
that deserves yep, for sure, that they get my dinger for sure,
and they were able to. They called me right back and they're very responsive,
and so I told Greg you could go up to the dealership with his
credit card and they'll run him an eight hundred and fifty dollars credit today.
That's wonderful, man, Bo. Thank you very much for that, because
that's pretty cool. That's better than nothing, right, and they were willing
to compromise. Plus he had some work done anyway, so good, Thank
you very much. And now we're going to go to another deputy Deputy Chopper.
He called about next Gen. Now, now this is a little more
complicated We've getting We've got a couple of calls plus some texts and other inquiries
about next Gen. I don't know who next Gen is, but they do.
I guess Marvin Windows and Doors, and apparently they're doing a pretty piss
poor installation of I can say pisspoor on the air, I think I can.
And I said, just call over there and see what the hell's going
on, Deputy Chopper. What do they say, Well, they are a
window and door company that covers Colinill springs and fork columns. I called and
talked to their central dispatch. Well, first of all, I called Kendra
and talked to her and saw what situation was on our sliding door and then
I called next Gen and talked to Claudia, their head dispatcher, and worked
out for Kendra to call them immediately and they will send a service person and
give it another try. What we didn't get on the air was this is
six months between when she said there was cold air coming through and now,
so there hasn't been a service call in six months. So I kind of
was thinking that we should give them one more try and see what happens and
Kendra will get back with me. I did confront her the dispatch. You're
saying, are you having problems? You know, I don't know if she'd
tell me the rain, but she says, no, no, we haven't
heard anything. And I said, well we have, and I said I
would suggest you listen to the show because we're getting problems on you and I
want to hold you to this and see what you do for Kenda. Yeah,
it was Joe who bought Marvin Marvin Windows. He bought Infinity and uh
that had him installed. Yeah, but that was two years ago, and
he sent pictures they're leaking like hell. I mean, that's a bad,
bad installation because they never really insulated around it. Right. It seems to
be their problem that they're not insulating the problem way around or ceiling, insulating
and ceiling. I think so if you get to talk to them, it
is the insulation and the ceiling. And I'm just putting a warning out there
for people. If you deal with next Jen, the fact that we got
two back to back and some others, I would not I would not be
in a hurry to do business with them right now unless they get their installations
in order. And you always hear it first here. Yeah, I agree
with you, Tom Town. Can I say one other thing? Go ahead,
sir uh grand Kia up there in North Glenn. I worked with them
twice. They've always been very receptive to helping the customer what we call good
excellent and but that's what Bo just found out. And yes, I know
there's something to be said about that. That they get back to us their
cooperative and they help consumers. They're not jerks. That's good. I'm glad
to hear that very much. Three oh three seven to one three talk seven
one three eight two five five Denverregen dot com. If you are looking for
hair replacement as well as of course stem cell therapy and weight loss through compounded
semiglutide or churzeppetide. They do all of that and they have a brand new
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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 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 three three seven one three talk seven one three eight
two five to five, Melissa, what's going on with you? Melissa?
What's happening? I think you had called before. I'm looking for your original
call. Yes, I have, and what I'm looking at the okay,
unemployment it was unemployment m h. You applied for unemployment benefits in February.
The state put altogether, they said, they put you on what was called
an integrity hold, and they said there was some something was compromised, possibly,
and she was told that everyone is put on a hole due to excessive
fraud, and it was pending. So you found out what you were denied
completely? Yep. I think somebody's actually got taken my identity. Now why
did they say you were They must have given you a reason for rejection junction,
so I know it sounds like you're sipping on a grandpa's cough medicine.
Now wait a minute, Melissa, did they give you actually something in writing?
Did they give you something in writing? They have not sent me anything
in writing at all. Nothing. Okay, how do you know you were
rejected? Then? They don't make phone calls. They don't. They don't
do it by phone. So how do you know? I was on a
computer, oh, online over the internet, and they said and when you
went to your account, have no internet? So how am I supposed to
do anything? So wait a minute. So you went online and it said
that your claim was rejected? Mm hmm. Do you remember what the wording
was? Did you download it? No? I No, I didn't.
I should have. How long have you been unemployed? Just January twenty fourth?
What kind of work did you what kind of work I was. I
was I was a security officer, like a guard or what I do security?
Yeah, that's grant. Yeah all right, So and and are you
approved for armed security work? No? I am not. Okay, and
so rather not because of all that, I understand what kind of is going
on? Okay, can you get that the delay? Get the delay and
then put her on hold? Thank you. Can we send this this Phil
Spethart over there to see if he can look into it, Kachina, let's
just do that, okay, sure? I can you imagine her guarding you
with a gun? Well, no, she said, no, she doesn't.
I think she's just distressed because she's out o work now. She's drunk
as hell. She admitted it. She's not trunk, she admitted it.
Did she just say that? Yeah? Yes, I said, you've been
sipping on Grandpa's cough medicine. She got may a little. Yeah. Hey,
let me ask you, Kachina. You talked her off the air?
Yes? Is she is? She kind of sloshed a little maybe, yes,
Okay, she admitted it. Hmmm, Well, okay, she used
to work with Hunter Biden. Here's the thing. Three h three seven one
three talk seven one three A two five five. Now, hmm, Mark,
you know what, yes, you know? I mean somebody calling in
the show and they're a little nebriated. I don't care that much. But
when you it can be good radio. But when you show up for a
job interviewed. Do you remember that time? Oh yes, Oh my god,
that was some one you knew. We what do you mean you know
him? We was okay, fine, you don't know anybody who drinks.
No, I didn't know he was going to show up in Ebriad. It
was it was It was scary. No, it was really embarrassed, Like,
wait a minute, is this guy for real? He's coming to talk
to us about a job. Didn't he used to sell? Isn't he the
guy that austin I don't want to identify anybody's but yeah, he is the
guy we knew that would sell private blank blank yeah, yeah, well services
you mean for you know. Here's the thing, though, Tom, you
can't you can't drink all day if you start in the morning. What does
that mean? I don't know. Someone on YouTube put it up. No,
no, you can't drink all day if you start in the evening,
because all day would be starting in the morning. He put exactly, you
can't drink all day if you don't start. That's right. Warning, Okay,
he's right, that's right, that's exactly right. That's right. Let's
talk to John and then I'll take a break real quick here John, what's
going on? John, I'm playing by the landscaping issue. Tom. Okay,
And does it involve your somebody you hired? Yes, okay, So
what's the problem, Like, I'm going to come right back to you.
Is it that they didn't do the work or they did a terrible job.
Now, they did the work, a great job, but never came back
to replace the two dead plants that are worth about six hundred dollars, the
two of them. Okay, hold on, I'll come right back to this.
Though. It's basically like warranty work. We have more coming right up
on the Troubleshooter Show. Three O 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 Anturan 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 three nine two zero
sixteen twenty two. Hi Tom Martine here three O three seven to one three
talk. John said, they did a pretty good job with my landscaping.
But they there's two plants guaranteed. I guess they're guaranteed right, they're dead
and they won't come back and replacing them around six hundred bucks. What kind
of plans and annibel hydrangea and so how long did they last? Well,
that's what happened Tom. That super snowstorm late April March uh split my three
year old tree in half, and my landscape guy took a couple of branches
off just because of the congestion, and recommended this guy to come and remove
the tree, which he did professionally. And then the near to the base
of this tree was I had a dead hydrange And he agreed to grind out
the stump and came back to grind out the stump and he got most of
stump out, but he couldn't get the rest of it. So we just
we what does this have to do with the two hydranges? That's where I'm
going right now. So I then hired him then to replace the dead hydrange
and to plant a new hydrangea in the spot where the old tree was.
And so so I don't want the hydrangers from that nursery up in Alameda,
that big wholesale place. Yeah, and he came back and he planted the
two hydranges and they looked like they were dead. But this was end up
end of March. So okay, so these are brand new plants. It
wasn't the ones that were hurt. The brand new plants. I said,
I'm sending from Alameda Landscaping. And we've been talking ever since then about him
coming Okay. Then he came out of the end of May to take a
look at him and he agreed they were dead, and I agreed he'd be
out in about a week. So he had continual dialogue since the end of
May about him coming out. He hasn't been out yet. Uh, he
doesn't answer myself. Oh wait, he did when he looked at them,
he agreed he needed to replace them. Well, yeah, and he said
he do. He said he'd be out money with two new ones. Okay,
so and you haven't talked to him since, but yeah, then I
talked to him after that. Then he stopped returning my telephone calls. Then
my wife caught him on her cell phone and he talked to her. He's
I'll be out money to take care of him. Never showed up. I
then sent an email to his company's email addresses KC Tree Services, and I
got a response back from Anika Thatcher saying he would be out to replace him.
He then called Monday and said it's too hot, I'll be out Tuesday
to replace them. And hasn't hasn't been out well without going through every miss
that's it. That's the end of my story. So this is what I
meant, was the guy simply he's never been back, he's not been well.
He came back to see him about the end of May. Has not
been back to replace him, even though he said he'd be here Monday.
After Monday, Well, this is going to be really easy if he's in
business. I mean, you know, first he heads up, guy,
he just doesn't follow through. What's the name of the landscaping company? KC
Tree Services. Okay, KC Tree Services, I have their number, Okay,
hold on. I want to give this to one of our deputies to
call and see if we can just get him to go out there before you
file a small claim because the games plan on myself just brings them out.
But but they're very they're big, tall manager, but I'm bet like three
foot tall out out of the bucket. So there are two big, big
plans. Oh plan on myself. He just brings them out here. Are
they dead as a door nail? Are they not coming back? They were
different at that time you plan them. I think, all right now we
should uh and the maid look at him and he brooke the branches off on
the greed. They were completely dead. You'd replace them, okay. And
and because I did hear a you know word? Okay, thank you.
So anyway, here's the bottom line. I want to give this to Deputy
Dock to call this guy, see if we can light a fire and get
it done for him. Three O three seven one three eight two five five.
We're running out a time, Roger, what's going on? Oh?
Hold on, Roger, can you hang on and we'll bring you up in
the next hour. I'm Tom Martine. We have an hour to go.
Oh I'm gonna try to get Roger on and anyone else. If you have
a problem, question and complaining three oh three seven one three talk is our
number and you can always call three oh three Martino. Remember the number twenty
four to seven. It works for help, information and referrals. Three oh
three six two seven eight four six six. Go with a sure thing Denver's
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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 one help. You'll think you're his only customer
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with Remax Alliance three oh three nine two zero sixteen twenty two. You need
advice who you don't have? Come running just as fast as we can.
Shoot is gonna help coming Man Dix is the Troubleshooter Show. Now, Tom
Martino, Hi, Tom Martino here, Welcome to the show. Three oh
three seven one three Talk seven one three eight two five five. Welcome to
the show. What can we do to help you? All you have to
do is give us a call if you need help. Three oh three seven
one three Talks seven one three eight two five five. All right, So
we have gotten calls over the years, I would say, of all kinds,
but I don't think I've ever gotten this one ever. So I'm just
curious, as we had. It's all about we have huh, we have
gotten a call. It's pretty much the same. But I'm not going to
ruin with this call. Is but they wanted a flight. We actually fell
Wait wait, wait, wait, that was a flight mark. This is
not a flight, Roger, Roger, what do you need? Just Tom,
I need a ride to Chicago. So I want to put it out
to your listening audience and you can give that give out my number if you
want, Because what I have is I have a tractor trailer and a storage
place. So I either need to get a one way rental car or if
somebody is heading toward Chicago or pass there or two there or anything. I
will pay the entire fuel cost. May I just ask you something? First
of all, I have to ask the obvious question. Although the normal mode
of luggage is a hefty bag. The buses run from here to Chicago,
and can't you just buy a bus ticket? Yeah? I can't, but
uh, I don't know how that would go with my I got a little
chihuahua. Oh I know that would They seem to be kind of difficult.
I don't. Okay, I don't know how they work on buses with chihuahuas
or emotional support dogs. But have you tried? Okay, you could you?
You could always Mark? Okay, I want to see how smart you
guys are. Right now? He could always use these lines. Word a
minute. Listen, I am a hundred and six miles to Chicago. We
got a full tank of gas, a half a pack of cigarettes, it's
dark, and we're wearing sunglasses. Hit it Blues, Brothers, or how
about this, We're on a mission from God. Okay, maybe that'll get
you listen. So but wait, wait, wait, listen. In all
seriousness, fly frontier dot com. I just picked out six twenty four,
which is a week or so from now, a one way ticket to Chicago
from Denver. You're ready seventy? Wow? See that's pretty Roger. What
do you need to get that. No really, and they'll let you bring
that little rat dog. Yeah, they will. You put it in a
little carrier. I have fun Southwest before him they put it. I put
They wanted me to put him in a carrier. And the stewardess comes over
and says, oh no, no, no, take him out of there.
Put him on your lap. He'll be fine. Yeah, when you're
done. Yeah, as soon as you get him. As soon as you
get airborne. They don't care. Listen, Roger, what do you need
to get there for? I've got a tractor trailer and a storage I need
uh oh, Denver. Okay, maybe there are truckers listening that'll give you
a ride. Listen. We'll take your number in case somebody calls. But
man, why wouldn't you go to Frontier? Yeah? I mean I could
do that now what I have done in the past. I just like go
up to the airline and there's a forum you fell out for the FAA,
and I just tell him he's a service animal. And looking at the laws
on an eighty eight, there's only two questions they can ask you. Is
it a service animal? Yes? Or no? What's his function? You
don't need papers, don't need a vest. Technically you can train the dog
yourself. Emotional otherwise you need all kinds of paperwork. If you say they're
service, no, no, emotional, they don't. They don't let on
as much as don't they wait, there's a difference between service and emotional.
Right, service would being you know, like the saying eye dog or something,
a dog that's missed out, someone who may have epilepsy, you know,
seizure or stuff like that. And emotional. Well, that all came
up I guess after Yeah, yeah, emotional, but came up after after
the I don't know what you call them, were born, the snowflakes.
I don't know what was the first year snowflakes were born. I don't really
know what's the snowflake generation? The millennials? Are they? That's is that
where the snowflakes started? Reason? Pretty much? Okay, Well, hey,
you know what other kind of support animal you can have on an aircraft
besides a dog? I'm manure horse? Damn right? Do they actually define
it? Yep, that's it, man, one of the two. I
wonder you know, I'm going to do something for the hell of it.
On if you just google miniature horse on a plane. They're everywhere. Okay,
I just want to see something right now? Where in Chicago should I
put here? For my I want to put Chicago? Okay, Oh,
Harrington National Airport. I want to see. I want to see what my
lift will cost. Hold on, they can't. They won't go out of
state like that. Okay, here's what my lift will cost. Limited availability
is they I'd have to do tomorrow at four am on no payment. Never
mind, they won't take it. They won't take it. Hey, wait
a minute, Wait a minute, why are we even contemplating the real answer
to this? This guy said he would pay for the fuel. You've been
wanting to take a long flight? Connect the dots, brother, I'm not
taking him in my helicopter. You're kidding me? Yeah? Well, first
of all, oh my god, you were gonna fly to Hilton Head.
I'm gonna do that just for fun, Mark, and why not trap this
guy off in Chicago. But he doesn't sound like a load of lapse to
me. He doesn't sound like fun to me. I bet he can reach
around the seat. He's a tractor trailer driver. That tells you right now.
That tells you right now. He wear boots and a cowboy belt,
you know, and has a flat ass. He probably knows some lot lizards.
Man, I hate when my slip off the mother loving clutch. Yeah,
do you do where? I don't know why you guys wear such uncomfortable
belts and boots. Yeah, big old boots and big old belts in your
belly while you're driving. It's just I don't understand. Are you an over
the road trucker? Oh? Yeah? And are you? Do you own
your own tractor? Then? Right? Yeah? You know what? I
can't tell you how many people have called this show over the years who wanted
to be an owner operator and buy a tractor and got ripped off in the
used tractor business. Boy, did they get bad trucks? What kind do
you have? I've got a bobo, I got a sixteen and nineteen the
nineteen. I'm driving too under a load. I'm driving to Denver right now.
I deliver tomorrow night and then I need to get over. You own
both of those? You own both of those? Now? Isn't Volvo Evolvo?
Is wasn't What did that used to be? What didn't they just get
into that business? I tell people, do not do the lease programs?
Yeah, a lot of tell you to have a leaf program. How much?
Tell me did you buy your tractor new? No, I bought amused.
How much do they run about? To say, four hundred and fifty
to five hundred thousand. I always can get it for about sixty thousand,
sixty five thousand. Oh wow, that you can buy them with that many
miles and the dealer will put an extended warranty. But wait a minute,
how many miles will they go? Over? A million? Is holy crap?
So new? What do those suckers cost? Evolvo? Oh? Shoot
now, probably one forty one sixty okay, yes, wow, does yours
have a sleeper? Oh yeah, double bounds? You know you can get
an Amtrak Denver to Chicago for under three hundred. Yeah, but why would
you if you can take Frontier for seven? For some reason, he doesn't
seem to like flying. Well, sometimes they give you a half. So
the problem is if someone makes a sudden move or the way you know Stewardess
is, you know, comes by, you know my but my dog also
makes a noise like maybe I'll grow just a little. He did that once
on a plight. I know he's not a service. I know he's not
a service animal. They don't. They won't do that. Hey, I
think you're fifty bucks. I think frontier. Long as it fits in a
carry on, you can usually pull it out once he's there. But if
it fits under the seat and yours will they charge fifty bucks for the dog.
You're one hundred and twenty bucks in man. I mean you're not gonna
beat that less Martino steps up and flies you. I'd rather go that route.
Tom, you could sleep. I don't think Tom, you know what
it is. I don't think Tom can fly you that far. He's used
to flying just right around his local airport. He doesn't know how to plot
out this stuff and that kind of craw That's true, right, I've taken
I've taken trips all over the country, but I just don't. I just
don't do it for uh, for grins. I do it for I mean,
I don't do it just to bring somebody somewhere. I want to go
on a fun trip where I can do something along the way. You know,
from here to chicago's boring. By the way I've flown to Chicago.
I sleep. Yeah, fine, I don't go into the semi well.
He's going down the interstate will land on top of this trailer. Yeah,
a little touch and go. You need you need Tom. You need Tom
Cruise for that Tom Cruise, Well buzz highway patrol. What kinds of fun?
Okay, now listen to this. Okay, I'm gonna give you another
cool I'm gonna give you another cool line. Ready, all right, let's
see where is it? They don't have my address? I falsified my renewal.
I put down ten sixty West Addison. Anyway, that's Wrigley Field,
get it? That's that was the Blues Brothers. Anyway. Apparently you guys
never saw that movie, but it was a classic. Three oh three?
How about this one? Did you get my cheese? Whiz boy? You
remember that one? You don't remember that one? What about I'm going to
catch that sucker if it's the last thing I ever do. Okay, anyway,
we got more coming 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. Could comarison 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 Martino
here, I want to go right to Steve Moss. He's the one who
uh, Steve's lucky. He does rock and roll, beer and man.
Uh. He also does the theme song for the Martino show. Here We
love and also does fun stuff up at the Colorado Speedway National Speedway, and
he wants to talk about Father's Day stuff going on. Yeah, when is
man? That's pretty soon Father's Day coming up? Steve tell us about it?
Yees, sir? How you doing, Tom? How you doing?
Marko? Everybody else? Good? Great crew there. I want to start
out first talking about somebody else I used. I didn't even know what was
on your referral as I called the Best Way installation the other day. Yeah,
they happen to have a last they haven't a They had a last second
opening the next day and I really needed it done too. They went there
and you know, you know something, they worked with my budget. They
did a great job. And here's the thing I was super impressed with.
I'm picking your neck. They left my I did it in my martial arts
studio. I teached martial arts Korean taekwondo, and that studio was cleaner when
they left than when when they got there. You know, you know how
most installations, anytime you get installation on anything, just horrible. You know,
most most companies are horrible. But clean up. These people were very
impressive. That's really cool. Yeah, she does a great job. We've
had her on the show from time to time, and really we get great
reviews about her. We do. And Ken you recognized me. I was
talking to him on the phone. He said, I know who you are
you give away to? It's on the Tom Martino Show. Oh that's cool.
So let's talk about what do we got going on? Okay, Well,
first of all, I'm gonna give away some tickets. Uh you'll have
to go to the race, you know, pay to get in and then
visit the Rock and Roll Brewery tent. I'm gonna give b I P ticket
away to let's say ten people, okay, so they can call your show
and sing the tree Farm. I gotta give my Tree Farm client some love.
Okay. Anybody that say I don't care how bad they do. Anybody
that calls in and and UH sings that tree Farm jingle, get their name
and number, give it to me and they'll be on the list. They
visit the Rock and Roll Brewery tent that come Saturday night, not on Fathersday,
on Saturday night, uh and visit me, and I'm gonna give them
a free VI I p uh ticket good for this season? Any any race
sea see what date? Visit U? Saturday? This Saturday? Okay,
so this Saturday. And then they also have before go ahead, go ahead.
They have day before Father's Day. Good. And they also have stuff
going on Father's Day. Right Father's Day. They have a monster truck race.
I may be there for that. I'm not sure yet. But Saturday
nights that where they need to go. And I have I have sixteen different
beers. Mark. I want a challenge, Mark. He needs to try
my Pineapple Pantstop Triple I pay and I ain't sounds delicious one of if not
the best beer. If one of the if, I'll give it to him
free. If it's the best beer I have ever brewed. Now, can
you can you actually taste the pineapple. It's here's a it's a pet peeve
of mine. I'm really strict about it when I do flavored beers. First
of all, I use pure I don't use flavoring, artificial flavoring, and
I make it very subtle most of my flavored beers. If you didn't if
I didn't tell them, they wouldn't know. But then once you know,
once you know it's in there, Oh, I taste it. It's just
accentuating it. It's not overtaking it. It's a pet peeve of mine.
You would never know, probably, but it's an amazing beer. We got
sixteen different kinds. I got amazing new T shirts, a whole bunch of
merchandise we're gonna be selling there. And then all right, now Rock and
Roll Brewery, you got, you're gonna buy it. Colorado National Speedway concession.
We're not gonna sell the beer ourselves. I'm gonna let the track make
some money and you know, go ahead and take care of them, and
we're gonna sell merchandise. Okay, So give you a coupon or a token
for discounts. All right. So here's what I want to tell them if
they show up this Saturday and they were on the list. You're they're gonna
get free VIP tickets and then what does that get them? Well, if
a meet me at the tent, I'm gonna give him a VIP ticket.
That's a VIP parking admission into the Rock and Roll Brewery, beer Garden,
any race this season. Okay, they're gonna have that. It's gonna be
one ticket for Okay, for the first ten people that do. Take what
you guys, what you guys have to do. What you guys see,
we're having a bad connection. What we have to do right now is we
have to get people to call in and sing a verse of the Rocky Mountain
Tree Farm that he wrote, one of his more famous jingles. And then,
no matter how good or bad you do, the first ten to do
that will get you. Will take your name and number, and we will
put you on the list for him. So I think, Steve, we
can do it tomorrow too. Every time they play it. We're not gonna
get them, by the way, we're not gonna get them all on today
probably, so you can do it tomorrow as well. During car Day,
I'll have to remind people, so Kachina make sure we remind people tomorrow about
this as well, and that's what we'll do. We have an update tomorrow
on a twenty twenty three Dodge. It's it's not a good story, but
we're gonna have that update tomorrow too. And then also Jesse will be on
the show from Colorado Springs, Honest Accurate Auto Jesse, and he went through
one of these used cars for me that will be going to one of my
families, Venezuelan families who got work and place to live and they're really thriving.
And then and again, what I'm trying to do in my small part
of the universe is help those who want to help themselves. And this family's
doing great. We have a few families we're helping and and this will be
a car for him and well for his family as well, and they're gonna
have everything done properly. So that's really a lot of fun that'll be happening
tomorrow. And we'll also take calls on people who want to sing the Tree
Farm song along with today. If you want to sing it, we'll put
you on a list, and then when you show up at Colorado National Speedway
this weekend, you'll get tickets for a future race VIP tickets which have special
parking and special privileges, so have some fun with that. Three oh three
seven one three talk seven one three eight two five five. Okay, we
got our first one that wants to sing. We're gonna do it. Then
we'll take a break and we'll see how it sounds. Okay, doesn't matter
how it sounds. You still get tickets. So even Mark could get tickets.
Oh please, but Mark, I'll give you tickets not to sing.
Okay, let's go to Let's go to John, John, go ahead,
you Jay got twenty five extra two thirty five five mile lift two the tree
Farm. Nope, he missed a word. He's out. No, Actually,
that's pretty dang good. Brop. He missed a word. He didn't
matter. He's out, man matter because it doesn't matter, because you don't
have to sing it. Well, you still get it. So really seriously,
give your name and your phone number to Kachina. We're going to pass
that on to Steve for Saturday. Thank you for calling. 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
checkup 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
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 a troubleshooter.
Deani wants to sing or Deanne? I would? I think it's Deane.
She wants to sing the song to get some VIP tickets for Saturday night.
Well, no, no, the tickets aren't for Saturday night. You go
Saturday night for the fun and pick up the tickets at the beer at the
UH Rock and Roll Beer Tent. But right now she wants to sing to
qualify, and then we'll give the name her name and number two, and
I'd like to dedicate her singing to King ga Rat on our YouTube station,
King Garrat. Okay, well listen, we're not making judgments. By the
way, on the singing, you automatically get to do it automatically, just
by singing. So go ahead, you take God want to five? Catch
it? Two thirty five? Last three fall nailed it, got all the
lyrics right, give them, give them that other guy's ticket that messed the
lyrics up. So you get too, Hey, I like it is this
a youngster? How old are you? Okay, you did a great job.
How are you going to go to the show by yourself? You gonna
hitchhike? Yeah? Good, there you go. Good. Okay, you
hitchhike. That's a good That's a very safe thing to do. And do
you remember do you remember Saturday Had Live when they had Dan Ackroyd was marketing
to kids. Oh god, I forget his character. Oh no. He
would sell, hey, kids, here's a bag of broken glass. It's
a lot of fun. You can make collaga you mean, we would go
through it. And then he had different stuff that he would sell to kids,
and he would say things like, hitchhike you're near a store or whatever.
Anyway, that's just a little sideline. I love old Saturday Night Lives
were the best. They had the greatest humor in the world. It was
sick, great humor anyway, it really it really was, man, I
mean it, I mean and then it got well it's all right now.
I mean they're pretty clever people, but I love there's nothing like a great
comedian. I don't like angry comedians. I don't like angry ones or who
are always trying to make a statement. I mean that could of fine.
I just don't want to. I don't look, I don't want to get
into it right now. Okay. The ones who have to like, they
I can't even think about. I've been watching them on Netflix. As soon
as it happens, I turn them off because I don't want to hear one
way or the other. I don't want to hear politics unless it's for everybody.
I want to hear fun stuff. You know, I don't a lot
of them take the take the opportunity to slam people. Okay, I'll tell
you got angry before he died. I mean he was a g but he
got really, really, really really age. I know who you're gonna say,
who, George Carlin. Yep, he got really angry. We saw
him. We saw him at MGM in the first twenty minutes. Remember this
is at MGM where his residence was h and all he did was bitch about
MGM, and he was angry, but it was funny as hell. Yeah,
it gets to a point where I don't know, it was like weird,
to where it was uncomfortable. I mean he would talk about everybody he
hates and what how about Sam Kennison. I saw him live. I liked
him. He was he's loud and he's uh, but he wasn't he's angry.
I don't remember what he was angry about, though. Do you anything
he was talking about? Come on, lady, you dumb it anyway?
She I saw him at Sturgis. That was crazy, perfect crowd right before
he right before he killed over it. Now, wait a minute, what
did you ride up to Sturgis while we're talking? Guess? Come on,
oh you went in your I flew and then yeah, and then Peter and
those guys always ride up. Got it. Well, you had a Harley
for a while. I didn't know if you took it. No, I
never wrote you know what, I had a Harley as a mistake. I
mean, that's really what it was. I never even should have had one,
kind of like a second wife. It was. Let me put it
to you this way, as far as Harley's I was a little intimidated.
I wasn't never comfortable and good at it never ever. Ever, you had
a lot of little ones. No, I don't mean little, but you
know you have liker like yeah, but no, you had a road bike
one time though at two fifty didn't you? I thought, well, I
got it two fifty now, but I had no, I had a thousand,
I had a crowd tracket. I had a hardly like bike. But
mostly I'm getting some questions for Atlas CPA so and this is odd because we're
just talking about this Eric. As far as filing, well, we were
talking about bookkeeping programs. One company wanted to know. Is there a bookkeeping
program that can that actually files taxes where when you're done it actually can prepare
taxes as opposed to having to go to turbo tax or something like that.
Do you know of any integrated programs like that. No, Typically bookkeeping is
completely separate from the tax filing. But bookkeeping can do if you take like
do a quick books or something. Can they prepare balance sheets and stuff like
that? Sure, that's what they're for, is financial statements more okay for
businesses. So you can if you keep your bookkeeping, your balance sheets,
you can do your income statements. You can do your different kinds of stuff
like that. Yeah, but you don't actually file with the book No,
no, no, of course not now as far as bookkeeping, excuse me,
filing taxes. This is my question. I heard that the IRS is
moving toward a system where it would be all electronic. They introduced a free
experimental program, free which you're trying to expand as much as they can,
but they're really limited in the kind of clients they can serve. So,
Eric, when you file my taxes, you do them electronically or electronic.
So there's what do you do with the heart They don't require any follow up
with hard copy at all, no more. That's gone really, so would
you say that that go ahead? Mark? Well? Why, I was
just commenting on what Eric said. I had no idea, almost like a
for lack of a better words, a turbo tax. You're saying the IRS
actually kind of has something similar. It's going to be their own website with
the wouldn't that be the honest to god, I would find that to be
the dumbest thing ever to use, right, unless you make literally zero Why
is that? Do you think it will skew against you? Well? How
many people are going to know certain things they can write off. How would
they even know? Like part of their home office could doesn't ask questions,
does it go oops? Did you think of your home office? Now?
Wait a minute. That is a good point. Whereas turbo tax will try
to help you take advantage of all your write offs, right, it tries
to make suggestions. Yeah, but Mark, this experimental program is going to
be for real, simple situations, people with w twos and interests. I
don't think business people are going to migrate to it at all. God,
Like you said, tax law is favored towards the self employed, so the
irs is never gonna put out a system that lets you massage through your information,
which you can do on your own. Tax law is favored for self
employed completely. What do you mean by that? Because two person can't deduct
anything against their wages, whereas a self employed person has a lot of flexibility.
Oh, I get that a great And then then let's just think of
capital gains. Think of how many people just literally make money off capital gains
and that's way lower than any income and a billion dollars. I'm gonna ask
you a trust and Mark, what's the capital gains rate? Right now,
I think it's twenty percent federal and then stay of Colorado, I think it's
five. Okay, I'm talking short term. Yeah, No, that's long
term. That's known. Short term is regularly what short term is regular income.
Whatever your bracket is, that's what is that, right, Eric,
of course, short term is whatever your your regular rate is. And by
the way, long term table gate it's fifty that's right. And by the
way, you're both you're both you're both on, you're both wrong, and
I'm gonna tell you why. Coming up. You've got more coming 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. In 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 are 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. All right, I'm Tom Martino, Eric Reinemerantles CTAs and
advisors. And here's what I want to say, capital gains. We were
joking about that. They were both kind of wrong. They said fifteen percent
or twenty percent. They're both right on fifteen and twenty percent, but I
didn't realize this. You don't pay twenty percent capital gains until you make over
four hundred fifty nine thousand, seven hundred and fifty dollars. And if you
make then it's fifteen percent between forty one thousand, six hundred and the big
four hundred fifty nine thousand, so it's fifteen. So most people pay fifteen
percent, some people pay twenty percent. But Eric, there is also what
that is zero? Well, there's the zero level zero. So Mark,
if you make under forty two thousand roughly, yeah, I see that.
That's I mean, see I never have. I only found that out the
other day. And I know why Mark or ninety thousand for a couple,
So yeah, yeah, that Mark, that's ninety grand. So think about
this. If a couple's making about ninety grand a year, or technically it's
about it's about eighty three or eighty three or eighty four. If you're making
that or less and you sell your house, you have zero capital gains above
that amount? Hey, or have you? Does that go for an IRA?
Like, if someone's retired age seventy and has an IRA that's generating one
hundred thousand dollars a year or I'm sorry, under ninety thousand dollars a year
in revenue. Well, first of all, iras aren't tax they're tax deferred
anyway, and everything in an IRA comes out ordinary income. Everything nothing is
capital And that was the question. So there's no capital gains coming out of
an IRA. Any retire for any retirement plan, there are no capital gains.
Guys. It's free up until when your income goes over collectively over that
eighty five thousand. Then the fifteen percent kicks in. So it's all about
your other income. Like but still everything. There are people who have sold
homes and had no capital or excuse me, or stocks or whatever, and
they don't pay capital gains. That's right now. What was the other thing?
You can plan it strategically for a year when you might have something.
Okay, there's an additional tax mark I didn't even know about on top of
capital gains. If you make too many capital gains go ahead, there's the
net investment income tax which came in a few years ago. It's three point
eight percent that kicks in if you have an investment income over two hundred and
fifty thousand dollars in a year. For think about that now, that's not
too difficult to achieve with a big portfolio. So that's a total investment.
Even if you don't pay cap gains. If you have income from your from
your from your investment accounts, you pay an extra three point eight percent on
it. Do jeez. That came in a few years ago. Yeah,
I just never thought of that because and you know what I'm thinking, Wow,
I didn't know why they did. You know why they do this though?
Why the capital gains is so much less? They want people investing in
the coast. Of course, that was the whole idea. Is not to
make it ordinary income. They wanted you to have the incentive to invest.
And by the way, I should mention that there is a move in government
in some factions to remove all capital gains and in fact it goes worse than
that mark. Do you know that there is a real move in Congress to
tax on realized Now now can you happen? How the hell can it happen?
If you have an unrealized gain and pay tax on it. What happens
if when you go to sell that gain turned out to be not so much?
Do it happen? Don't get nervous about it, because I don't even
think that would go through the Supreme Court. Man, how about an unrealized
murder? Yeah, of course. Okay, we're out of time. I
want to tell you about Atlas. They're great people still taking new clients.
That's big and small. Atlasfirms dot com three O three seven nine to nine
nine one. They're great for small businesses. Yeah, and don't forget to
call three h three Martino twenty four to seven to get on the show.