WEBVTT 1 00:00:00.520 --> 00:00:10.519 Yeah, ripped up news. You need advice, who you don't have? 2 00:00:12.759 --> 00:00:19.719 Come running just as sas as we can. Shooter's gonna help come man, 3 00:00:19.920 --> 00:00:27.839 This is the Troubleshooter Show now Tom Martino. Hello, Tom Martino here, 4 00:00:27.879 --> 00:00:31.960 Welcome to the show. Three oh three seven one three talk three oh three 5 00:00:32.119 --> 00:00:37.359 seven one three eight two five five Here to help you solve problems, answer 6 00:00:37.479 --> 00:00:40.799 questions, take complaints and make your life just a little easier, as you'll 7 00:00:40.799 --> 00:00:44.079 see on the wide shot here if you're streaming the show. I have Brook 8 00:00:44.119 --> 00:00:48.880 White with me from h Red Rocks, Roof and Solar, and we'll talk 9 00:00:48.920 --> 00:00:51.439 a little bit about Sola. We're talking a little bit about everything. Anything 10 00:00:51.520 --> 00:00:56.079 you want call. We try to solve problems and answer questions and take complaints 11 00:00:56.479 --> 00:00:59.439 and do what it takes to make your life easier, as I've been doing 12 00:00:59.479 --> 00:01:04.719 for forty five years. Well, anything on your mind today. Now, 13 00:01:06.040 --> 00:01:08.959 who do we have here? We have deputy docs in the studio. Kachina 14 00:01:10.400 --> 00:01:15.920 is Mark on the line? Is he signed Robeen day for them? So 15 00:01:15.959 --> 00:01:19.159 they are not on the line, Tom, Okay, just curious because they're 16 00:01:19.159 --> 00:01:23.640 on the road on a road trip and they tune in from time to time 17 00:01:23.799 --> 00:01:29.680 I just want to say something very quickly, because as a registered independent, 18 00:01:29.719 --> 00:01:34.280 I get emails from all political parties, including Robert F. Kennedy. I 19 00:01:34.319 --> 00:01:38.079 get them from Biden, I get them from Trump, and and I read 20 00:01:38.120 --> 00:01:44.400 them all. I just read them all, and I just want to say 21 00:01:44.400 --> 00:01:49.719 something. This is this is the truth. Anyone who gets the emails know 22 00:01:49.799 --> 00:01:57.840 what I'm talking about. Whenever I get the Republican emails from Trump and his 23 00:01:57.040 --> 00:02:04.040 camp and the MAGA Incorporated and all that, they talk about Biden being the 24 00:02:04.040 --> 00:02:08.439 worst president in history, and sleepy Joe and Crooked Joe and all of that, 25 00:02:10.080 --> 00:02:14.120 and they say, you know, we have to take back the country 26 00:02:14.159 --> 00:02:19.159 and we have to do this. We have to do that. Every single 27 00:02:19.240 --> 00:02:28.120 email, every single email, until just the other day when he's backtracking. 28 00:02:28.280 --> 00:02:30.400 Every single email. This is just fact. By the way, if you 29 00:02:30.439 --> 00:02:34.599 think I'm trying to tout one over the other, what I'm telling you is 30 00:02:34.719 --> 00:02:46.080 pure fact. I've gotten emails that literally say that Donald Trump is the biggest 31 00:02:46.120 --> 00:02:53.000 threat to America and democracy in history, and that if he is elected now 32 00:02:53.039 --> 00:03:00.319 this is from their official campaign. If he is elected, that will be 33 00:03:00.319 --> 00:03:05.000 the end of presidential elections. He will put an end to the Constitution, 34 00:03:05.879 --> 00:03:14.199 and he will assassinate his enemies with pure immunity. And I said the other 35 00:03:14.280 --> 00:03:16.639 day on the air, you can get the tape. I said, when 36 00:03:16.680 --> 00:03:21.560 you use speech like that, I mean, I'm all for free speech. 37 00:03:21.560 --> 00:03:23.360 By the way, he can use anything he wants. But when you say 38 00:03:23.400 --> 00:03:29.800 things and exaggerate like that, you get people thinking, you know what, 39 00:03:30.199 --> 00:03:35.000 I'm doing the country a service. I'm gonna do the country a service if 40 00:03:35.039 --> 00:03:39.919 I assassinate Trump, because he is in fact. Biden also used words like 41 00:03:40.159 --> 00:03:46.960 he has pledged. This is what he said, Trump pledged to be a 42 00:03:47.120 --> 00:03:54.400 dictator on day one? Do we want a dictator? There was so much 43 00:03:54.639 --> 00:04:01.759 I could not believe some of the things I was reading. And here's what's 44 00:04:01.840 --> 00:04:06.840 really scary. I had. I'm not going to use any names. I 45 00:04:06.879 --> 00:04:11.479 had someone on my show that day and off the air, I said, 46 00:04:12.560 --> 00:04:15.719 I turned the mics off because I didn't want it to go even on YouTube, 47 00:04:15.759 --> 00:04:18.279 and I said, can you believe this? And I read it to 48 00:04:18.319 --> 00:04:24.639 him, saying that Trump will assassinate his enemies, and he will be a 49 00:04:24.720 --> 00:04:30.720 dictator, and he will work to end all presidential elections and overturn the constitution. 50 00:04:30.639 --> 00:04:34.800 This is a learned man that was in my studio with me. I 51 00:04:34.800 --> 00:04:39.120 said, can you believe that I didn't use the word rhetoric. I said 52 00:04:39.120 --> 00:04:43.120 that whatever the propaganda or whatever. And he said, oh, I do 53 00:04:43.240 --> 00:04:46.879 believe that. He said, the man has to be stopped. Now he 54 00:04:47.040 --> 00:04:54.399 meant this person meant legally right, you know, not elected. But I'm 55 00:04:54.439 --> 00:05:00.279 telling you, I've said this before. It used to be we could could 56 00:05:00.319 --> 00:05:06.240 disagree with each other and the other side wasn't evil, or we could disagree 57 00:05:06.319 --> 00:05:10.800 with each other and the other side wasn't hateful. Right now, it's funny 58 00:05:10.800 --> 00:05:17.360 because if you disagree with anyone on anything, you're accused of being hateful. 59 00:05:18.279 --> 00:05:24.279 Hate is the new weapon they use hate, like, for example, if 60 00:05:24.360 --> 00:05:30.000 you don't believe Title nine should be extended to transgender athletes, that's just simply 61 00:05:30.040 --> 00:05:31.959 saying, you know, it's not fair, basically, And I'm not going 62 00:05:32.040 --> 00:05:35.759 to get into that whole thing, because listen, it is what it is. 63 00:05:35.839 --> 00:05:42.160 Here's the deal. If you do that, If you do that, 64 00:05:44.319 --> 00:05:48.759 they say you're hateful. You hate them just because you disagree with the stance, 65 00:05:48.920 --> 00:05:55.920 You hate them. And that's where I can't stand where people use hate 66 00:05:56.480 --> 00:05:59.959 or they say you're racist, if you want to close the border or control 67 00:06:00.160 --> 00:06:05.040 immigration, they say you're hateful. Can we disagree without being hateful? When 68 00:06:05.040 --> 00:06:09.240 people used to have debates and they didn't hate each other, for God's sakes, 69 00:06:10.160 --> 00:06:13.279 I mean, it's amazing to me. And I know all of the 70 00:06:13.319 --> 00:06:15.879 other shows talk about this, so I'm done talking about it. I mean, 71 00:06:15.920 --> 00:06:18.680 you can make comments if you want, but I just I am not 72 00:06:18.920 --> 00:06:26.519 surprised, I swear to God when you read those emails about Trump, and 73 00:06:26.600 --> 00:06:29.399 I look at it. I'm not going to tell you where I stand anyway, 74 00:06:29.439 --> 00:06:34.480 but if you read those about Trump, you would think he is hitler, 75 00:06:34.639 --> 00:06:42.600 honest to God. I mean, it's just so exaggerated. Now anyway, 76 00:06:44.319 --> 00:06:48.360 you can't be surprised that people think they're doing the country as service. 77 00:06:48.399 --> 00:06:54.439 You can't be surprised when you read now, I will admit this. So 78 00:06:54.480 --> 00:06:59.720 I get an email from their campaign from the Democrats following this, and it 79 00:06:59.800 --> 00:07:03.120 was totally different, totally totally different, saying, look, you know, 80 00:07:03.319 --> 00:07:09.040 we disagree, but we're not enemies, and we're not an American and we're 81 00:07:09.079 --> 00:07:14.120 not this, we're not that. And they're backpedaling big time. Three oh 82 00:07:14.160 --> 00:07:17.040 three seven one three Talk seven one three eight two five five. If you 83 00:07:17.040 --> 00:07:19.240 have a problem, question and complain, give us a call. We'd love 84 00:07:19.279 --> 00:07:21.480 to talk to you about anything on your mind. Right now, we have 85 00:07:21.839 --> 00:07:28.480 Jan on the phone. Jan, what's happening? That would be Kaschina's mom. 86 00:07:29.079 --> 00:07:31.199 Are you Kachina's mom? I'm not sure I would. I'm allowed to 87 00:07:31.240 --> 00:07:36.759 talk to you because, uh, we have a strict relatives and especially moms. 88 00:07:36.759 --> 00:07:40.959 We don't allow moms on this show. But I'll make an exception for 89 00:07:41.040 --> 00:07:46.519 you. I yeah, because Tom, I have an air conditioning problem and 90 00:07:46.720 --> 00:07:50.879 I live in hot country out here in California, Aware, in California, 91 00:07:51.800 --> 00:07:58.680 Valencia. Now, how long have you lived in California all my life? 92 00:07:59.199 --> 00:08:05.439 Well my eighty years? Yeah? Did Kachina grow up in California? She 93 00:08:05.680 --> 00:08:13.800 did. She doesn't seem crazy at all. Okay, no, and okay, 94 00:08:13.839 --> 00:08:18.199 so tell me how hot is it getting out there? Seriously? Well, 95 00:08:18.240 --> 00:08:20.800 it's been about one hundred every day for the past ten days. What 96 00:08:20.920 --> 00:08:28.560 happened to your ac? Well, my AC is fine everywhere except one bedroom 97 00:08:28.720 --> 00:08:35.399 upstairs where I have my granddaughter, Kuchina's daughter stayed. Hey, did did 98 00:08:35.440 --> 00:08:39.639 this just happen? Jan? Or is it because of the extreme heat? 99 00:08:41.000 --> 00:08:45.440 It is because of the way this house was built. Yes, Now, 100 00:08:45.600 --> 00:08:52.720 that particular bedroom has the little windows, it has four little ones on one 101 00:08:52.759 --> 00:08:56.960 side and two small ones. But were unable to put it in your conditioning 102 00:08:58.080 --> 00:09:01.679 unit in there because there's nowhere for it to them. No, but let 103 00:09:01.679 --> 00:09:05.159 me ask you do you have Do you have central air in the house? 104 00:09:05.879 --> 00:09:11.440 Oh? Yes, okay, you do have central well, but it's central 105 00:09:11.480 --> 00:09:16.759 air correct. Okay. And you have duct work throughout the house, right, 106 00:09:16.799 --> 00:09:22.440 and the central air goes through your heating duct work. Correct? And 107 00:09:22.519 --> 00:09:28.120 do you have a duct in that room one over in a corner, but 108 00:09:28.200 --> 00:09:33.679 it's not enough to cool that room. No. As a matter of fact, 109 00:09:33.200 --> 00:09:39.279 the other bedroom is the bedroom where I sleep, and I got one 110 00:09:39.320 --> 00:09:43.759 of those new little electric ones from my bedroom. The upcairs in this house 111 00:09:43.879 --> 00:09:48.120 is not dust as well at all. Okay. So you're saying, without 112 00:09:48.240 --> 00:09:54.720 help, the upstairs in your house does not cool. If you didn't have 113 00:09:54.799 --> 00:10:00.440 that auxiliary unit in your room, it doesn't cool. Well, this system 114 00:10:00.480 --> 00:10:05.879 you have, correct, and it never really has correct. Okay. There 115 00:10:05.919 --> 00:10:09.960 are several things, listen, jan there really there are several things. I 116 00:10:11.000 --> 00:10:13.480 mean, I've had this problem in the past and we've solved this problem for 117 00:10:13.559 --> 00:10:18.320 many, many people. And there are definite areas to look at, honest 118 00:10:18.320 --> 00:10:22.000 to God, They're called hot rooms or hot spots or hot second floors, 119 00:10:22.039 --> 00:10:26.519 and there's some logical stuff if you want to take some notes. I'm serious 120 00:10:26.679 --> 00:10:31.440 because and then I might know some professionals out there Valencia. So so hold 121 00:10:31.480 --> 00:10:37.080 on, I think my friend, uh, I think I think we might 122 00:10:37.159 --> 00:10:41.279 have a company out there that I know. But hold on a sec and 123 00:10:41.320 --> 00:10:43.519 I'll come back to you. Okay, three oh three, seven to one 124 00:10:43.559 --> 00:10:46.600 to three, talk, I will. I'll come right back to you. 125 00:10:46.039 --> 00:10:50.360 Brook is with us, as I said from Redbrox rs Brook. So, 126 00:10:50.960 --> 00:10:56.360 as far as this weather, and solar obviously is hot, but hot doesn't 127 00:10:56.399 --> 00:11:03.559 necessarily mean solar weather, right. I mean what I'm saying is obviously heat 128 00:11:03.600 --> 00:11:07.279 means sun. Sun means power, right, But there must be some really 129 00:11:07.440 --> 00:11:13.360 incredible energy being produced right now. Oh yeah, absolutely, And people with 130 00:11:13.559 --> 00:11:18.879 solar can run that air conditioner all they want. The more sun, the 131 00:11:18.919 --> 00:11:22.559 more you can run it, right, yeah. Absolutely. So it just 132 00:11:22.600 --> 00:11:26.279 depends on which utility you have. But for instance, an Excel territory, 133 00:11:26.279 --> 00:11:30.799 you're paying double or triple between one to seven, and that's usually when people 134 00:11:30.840 --> 00:11:33.799 are kicking on their acs the most. Yeah, So if you have solar, 135 00:11:33.840 --> 00:11:37.080 you don't even have to worry about the double or triple charges. And 136 00:11:37.919 --> 00:11:41.039 again, if you have solar, you can also go with a heat pump. 137 00:11:41.080 --> 00:11:43.559 So if it gets cooler and you want to use it for heat, 138 00:11:43.600 --> 00:11:46.919 you can use it for heat too. Yeah, there's different rebates to put 139 00:11:46.919 --> 00:11:50.120 in heat pumps, and depending on where you're at, you can get additional 140 00:11:50.159 --> 00:11:54.080 money back from your county as well as the state. Do a lot of 141 00:11:54.120 --> 00:11:58.360 people do that? Do they convert or buy high efficiency AC with heat pumps 142 00:11:58.399 --> 00:12:01.759 after sol? They usually do it in conjunction because that's when they get the 143 00:12:01.799 --> 00:12:05.000 rebates. But will they get that tax credit if they add it to the 144 00:12:05.039 --> 00:12:09.360 solar system or not? Or is the rebate it excuse me? The tax 145 00:12:09.399 --> 00:12:13.679 credit only on the system itself. The tax credit is anything that's combined into 146 00:12:13.679 --> 00:12:16.399 the system. Oh no, wait a minute, So if you upgrade your 147 00:12:16.559 --> 00:12:20.960 HVAC at the same time you do your solar, you can get across the 148 00:12:20.960 --> 00:12:24.639 board a tax credit. Yeah, as long as it's connected with it. 149 00:12:26.200 --> 00:12:28.879 Holy crap, that's red rocks with us right now. Redrocksars dot com. 150 00:12:30.039 --> 00:12:31.320 Hey, we have more coming up. One of the other things I love 151 00:12:31.399 --> 00:12:37.600 talking about is water because listen, look at them all for doing everything we 152 00:12:37.639 --> 00:12:41.639 can for the environment. And right now, I hate to say this, 153 00:12:41.159 --> 00:12:46.799 but this is a true story. I read about it today. Plastics are 154 00:12:46.840 --> 00:12:52.200 shown up in men's urinary tract in their testicles in their prostates. I swear 155 00:12:52.240 --> 00:12:56.799 to you it is, they're saying now, possibly a cause for all of 156 00:12:56.840 --> 00:13:03.679 the mass infertility we're seeing. Scary thought. If you do nothing else drinking 157 00:13:03.720 --> 00:13:07.120 water at your kitchen sink fourteen hundred bucks. Fully installed the best system at 158 00:13:07.120 --> 00:13:13.519 the lowest price. Triple filter reverse osmosis waterpros dot net three oh three eighty 159 00:13:13.559 --> 00:13:20.639 six two five five five four. Go with a sure thing Denver's best roofer 160 00:13:20.759 --> 00:13:26.080 Excel Roofing dot com. You don't pay a cent until you're content, wait 161 00:13:28.679 --> 00:13:31.799 time for an insurance checkup free, no obligation. In comparison, call Compass 162 00:13:31.840 --> 00:13:37.559 insurance paying too much your coverage at dozens of insurance companies find out now three 163 00:13:37.559 --> 00:13:41.399 all three seven seven to one help. 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We're talking to Jan in California, 173 00:14:24.639 --> 00:14:28.759 Valencia, north of LA. She's looking for help with her AC. Jan 174 00:14:30.159 --> 00:14:33.159 these problems. I'm going to tell you it's going to be one of these 175 00:14:33.240 --> 00:14:37.679 or a combination of these. There is absolutely no doubt. Okay, when 176 00:14:37.720 --> 00:14:46.240 you have a hot upstairs, Okay, the number one reason usually, especially 177 00:14:46.279 --> 00:14:50.960 if you have duct work, the number one reason is not that you don't 178 00:14:50.000 --> 00:14:54.120 have enough ducks. It could be you don't have a strong enough AC, 179 00:14:54.360 --> 00:14:58.679 but I doubt it. It could be, but I think the number one 180 00:14:58.720 --> 00:15:03.759 prompt is going to be a hot or a lack of ventilation in the addict. 181 00:15:05.039 --> 00:15:11.600 Okay, now, I don't know how old is your house? Twenty 182 00:15:11.720 --> 00:15:20.279 years old? Okay, many houses did not have adequate attic ventilation. Brook 183 00:15:20.440 --> 00:15:24.200 is in the roofing as well as solar business redrocksars dot coming Brook. I 184 00:15:24.279 --> 00:15:30.679 know that you've probably seen houses when you go there to do roofs or do 185 00:15:30.840 --> 00:15:35.000 solar if it's a hot that it'll it'll kill it'll kill your your AC. 186 00:15:35.440 --> 00:15:41.200 Yeah, absolutely well. And part of that Jan there's a few parts to 187 00:15:41.399 --> 00:15:48.080 proper addict insulation ventilation. One is it has to be insulated, okay, 188 00:15:48.840 --> 00:15:52.799 and even if you don't use heat a lot, you still have to have 189 00:15:52.879 --> 00:15:58.840 it insulated to use AC and to keep your AC good. And so in 190 00:16:00.039 --> 00:16:03.840 addition to insulating the attic, you have to have the proper vents in the 191 00:16:03.879 --> 00:16:08.600 attic. That means your soffits and facia have to have vents on the lower 192 00:16:08.720 --> 00:16:12.559 end your soffits, I mean, and then on the upper end of your 193 00:16:12.639 --> 00:16:18.919 roof you need enough vents if you get a reputable roofer or those are the 194 00:16:18.960 --> 00:16:23.840 people you want. You need to know if you have adequate ventilation. Now, 195 00:16:25.080 --> 00:16:30.000 ventilation is just one of the issues, okay, but that alone will 196 00:16:30.080 --> 00:16:37.240 take a tremendous burden off of your AC. I did this in one house. 197 00:16:37.679 --> 00:16:42.159 I increased the venting in my attic in one house years ago, and 198 00:16:42.480 --> 00:16:52.000 it completely changed the entire efficiency of my AC. The second thing you want 199 00:16:52.039 --> 00:16:56.639 to look at is you have a two story home or is it three? 200 00:16:59.000 --> 00:17:03.320 Do you have a basement? No? Okay? Do you have a crawl 201 00:17:03.360 --> 00:17:10.440 space? No? What is your house on a flat slab? Yes? 202 00:17:10.920 --> 00:17:17.160 Okay? Now is the downstairs way cooler than the upstairs? Right? Oh? 203 00:17:17.279 --> 00:17:22.960 Yeah? Okay. Now you look for a dealer out there for QC 204 00:17:23.319 --> 00:17:27.799 a quiet cool whole house fan. Now, we have QC Colorado here, 205 00:17:27.880 --> 00:17:37.160 but a lot of people deal in that product. It's called quiet cool these 206 00:17:37.319 --> 00:17:44.200 now in addition to but you a whole house fan without proper addict insulation, 207 00:17:45.279 --> 00:17:48.920 an addict ventilation is not going to be good either. What you want is 208 00:17:49.079 --> 00:17:55.200 first the attic ventilation taken care of. If you have a problem, you 209 00:17:55.240 --> 00:17:59.359 may not have a problem. Second, you want to get a quiet cool 210 00:17:59.400 --> 00:18:04.880 fan. Now, quiet cool fans will help your house more evenly, and 211 00:18:06.000 --> 00:18:08.319 it's better than trying to put a new duct work or anything. It's a 212 00:18:08.440 --> 00:18:11.880 quiet cool fan. They place in your attic. They wire it to a 213 00:18:11.960 --> 00:18:17.680 light, and it's remote controlled, and it's one of the best systems you 214 00:18:17.720 --> 00:18:23.039 can have for keeping the air in your home balanced from downstairs to upstairs. 215 00:18:23.359 --> 00:18:30.400 And that balance alone keeps you way cooler and you don't have to run your 216 00:18:30.400 --> 00:18:33.119 AC as much. In fact, you'll save money. That's number two. 217 00:18:33.200 --> 00:18:38.119 So you have attic ventilation. Then you have what I call destratification, and 218 00:18:38.160 --> 00:18:42.559 that would be I wouldn't use anything but the quiet cool whole house fan. 219 00:18:42.920 --> 00:18:47.039 And you can look it up online and see who the dealers are out there. 220 00:18:47.440 --> 00:18:52.359 Now, those two things will probably solve your problem. But in extreme 221 00:18:52.680 --> 00:18:57.640 conditions where you have a room that you just can't get cool or a section 222 00:18:57.759 --> 00:19:03.200 of the house, probably do not need this. But in extreme conditions where 223 00:19:03.240 --> 00:19:10.960 it does happen, what you may consider it's what called a mini split. 224 00:19:11.400 --> 00:19:15.799 You mentioned that you do not have a window you can put AC in. 225 00:19:15.400 --> 00:19:21.720 There are systems called mini splits. Now. The reason they call them a 226 00:19:21.759 --> 00:19:26.400 mini split is because they split the AC into two parts. One that goes 227 00:19:26.440 --> 00:19:30.920 on the wall and then there are tubes going to the compressor that sits outside 228 00:19:32.079 --> 00:19:37.319 on the ground. And so they're actually more efficient than window units and they're 229 00:19:37.359 --> 00:19:44.559 way stronger and it's for homes that don't have the window access or the duct 230 00:19:44.559 --> 00:19:47.720 work, but they still want to put AC in a part of a house. 231 00:19:48.039 --> 00:19:51.559 Many people do it when they're adding an addition to their home. I 232 00:19:51.559 --> 00:19:55.160 don't think you need it, but for those listening, a mini split is 233 00:19:55.200 --> 00:20:00.200 put through the wall. They take a section of your wall and they they 234 00:20:00.839 --> 00:20:06.599 cut a hole in it up high and it's remote control, and then they 235 00:20:06.640 --> 00:20:10.200 put the front part in there, which looks like a grate or a grill, 236 00:20:10.400 --> 00:20:14.319 like the front of an AC. And then the back part where it 237 00:20:14.359 --> 00:20:18.880 comes out of your house, that's trimmed, and then there are tubes with 238 00:20:18.000 --> 00:20:21.839 the free on or whatever they use. Now they're refrigerant going down to the 239 00:20:21.880 --> 00:20:26.720 compressor which usually sits on the ground below it. And that is an amazing 240 00:20:26.759 --> 00:20:33.160 phenomenon. Now a lot of people instead of doing attic insulation and a whole 241 00:20:33.160 --> 00:20:37.359 house fan. What attic ventilation, I should say, insulation is part of 242 00:20:37.359 --> 00:20:45.000 the ventilation, But instead of doing the proper ventilation and the proper you know, 243 00:20:45.079 --> 00:20:48.920 destratification with a whole house fan, they go ahead and put a mini 244 00:20:48.960 --> 00:20:52.480 split in and overpower the heat. Now that, in my opinion, is 245 00:20:52.519 --> 00:20:56.799 just spending too much money because you're gonna run the damn thing all the time. 246 00:20:56.599 --> 00:21:02.720 So I recommend these steps first. First, attic insulation and ventilation. 247 00:21:02.960 --> 00:21:06.640 First. If that solves your problem, fine, But if you go a 248 00:21:06.680 --> 00:21:10.160 step further and you want to save some money on AC, then you put 249 00:21:10.160 --> 00:21:12.400 in a whole house fan. And if you want to go beyond that because 250 00:21:12.440 --> 00:21:18.279 nothing's working, that's when you consider a mini split. And those are the 251 00:21:18.759 --> 00:21:22.400 that's how you take care of a hot upper story. One of those things 252 00:21:22.440 --> 00:21:26.119 will absolutely help you. Now right now, I don't have the names at 253 00:21:26.119 --> 00:21:30.079 the tip of my fingers, but I know a lot of our HVAC companies 254 00:21:30.599 --> 00:21:34.920 are owned by big firms, right like fix It's a local company started here, 255 00:21:36.200 --> 00:21:37.759 but they opened up branches all over the country. I don't know if 256 00:21:37.799 --> 00:21:41.200 they have anything in that area, but I could all I could find out. 257 00:21:41.559 --> 00:21:45.319 Or we have other companies like Plumbline is owned by a national company. 258 00:21:45.359 --> 00:21:51.400 Now again they started locally, and maybe they have someone out there, or 259 00:21:51.799 --> 00:21:55.480 some of our other people might have someone out there that can help you, 260 00:21:55.519 --> 00:21:59.799 and we can look into that. But those are the those are the recommend 261 00:21:59.839 --> 00:22:02.920 day since I would have right now, Brooke, do you think I mean 262 00:22:02.960 --> 00:22:07.440 in a nutshell. Do you think I covered the hot attic kind of or 263 00:22:07.480 --> 00:22:11.599 the house problem with upper stories? Yeah? I think that was great. 264 00:22:11.640 --> 00:22:14.880 And then one more thing I would add is if she does look into the 265 00:22:14.920 --> 00:22:18.720 mini split scenario, if she's in California, her utility will probably pay her 266 00:22:18.759 --> 00:22:22.480 to do that because Excel pays folks to install mini splits. Why is that 267 00:22:23.160 --> 00:22:26.680 they're just more energy efficient, so it helps the state and the utility hit 268 00:22:26.720 --> 00:22:30.880 there are electricals California. You might have some rebates for you even on the 269 00:22:30.880 --> 00:22:34.599 insulation too of the attic, so you might want to look into that. 270 00:22:34.640 --> 00:22:38.759 And again a good contractor can help you with that. But you want those 271 00:22:38.799 --> 00:22:45.720 three areas addict ventilation which includes insulation. You hope you can get one contractor 272 00:22:45.759 --> 00:22:48.319 for both, but maybe you have to get a roof for the ventilation, 273 00:22:48.839 --> 00:22:52.079 and then maybe you have to get an insulating company to insulate the attic if 274 00:22:52.079 --> 00:22:55.920 you need it. You may not need the insallation part, and I think 275 00:22:55.960 --> 00:22:59.160 you do though, because in California, because it's not really cold, they 276 00:22:59.160 --> 00:23:02.599 don't do a lot of which is weird because you need inslating for air two 277 00:23:03.160 --> 00:23:04.920 uh, and then the other thing. After that would be the whole house 278 00:23:04.960 --> 00:23:10.400 fan QC I would I would recommend quiet cool, and then the last thing, 279 00:23:10.960 --> 00:23:14.480 the most extreme thing and that they're not extreme bad, they're good, 280 00:23:15.359 --> 00:23:18.119 would be the mini split for that room or for what you can put them 281 00:23:18.119 --> 00:23:21.400 in any room. By the way, we have more coming up on the 282 00:23:21.400 --> 00:23:30.599 Troubleshooter Show. Three O three seven one three eight two five five. Go 283 00:23:30.759 --> 00:23:33.960 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 284 00:23:34.000 --> 00:23:41.799 a cent until you're content. Time for an insurance check up free, no 285 00:23:41.880 --> 00:23:45.799 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 286 00:23:45.799 --> 00:23:49.480 of insurance companies find out now three O three seven seven to one help. 287 00:23:49.640 --> 00:23:53.480 You'll think you're his only customer when you choose Frank durand the real estate Man 288 00:23:53.480 --> 00:23:59.000 dot com to list your home with Remax Alliance three oh three nine two zero 289 00:23:59.079 --> 00:24:12.799 sixteen twenty two. Hi Tom Martino, your Troubleshooter three O three seven one 290 00:24:12.880 --> 00:24:18.799 three talk seven one three eight two five five. Doug has a comment on 291 00:24:18.880 --> 00:24:21.720 fans. I'm not sure what kind of fans, but we were talking to 292 00:24:21.759 --> 00:24:26.319 a woman about getting rid of her hot upstairs second story and doing things to 293 00:24:26.400 --> 00:24:30.720 alleviate it. And I mentioned insulate the attic, ventilate the attic, do 294 00:24:30.799 --> 00:24:33.119 a whole house fan to get rid of the to destratify the air, and 295 00:24:33.200 --> 00:24:37.319 then if all else fails, you could add a mini split in that room. 296 00:24:37.359 --> 00:24:40.440 So, Doug, which part of that do you want to talk about? 297 00:24:40.480 --> 00:24:44.599 Sir? Mainly it's the Vince. Can you hear me? Okay, 298 00:24:44.640 --> 00:24:48.279 Tom, I can hear you, find sir, Thank you. Okay, 299 00:24:48.400 --> 00:24:52.160 I'm an old time listener, thank you. I go clear back to when 300 00:24:52.200 --> 00:24:56.680 you had a little problem at the Greeley Airport was landing your helicopter out. 301 00:24:56.839 --> 00:25:00.359 Oh yeah, that was weird, wasn't it. Yeah? It was weird, 302 00:25:02.160 --> 00:25:04.720 And for those listening, all it was was it was during that heightened 303 00:25:04.720 --> 00:25:11.039 security we had for nine to eleven, wasn't it. So I landed and 304 00:25:11.119 --> 00:25:14.039 was going in for breakfast and they wanted to know how I got behind the 305 00:25:14.079 --> 00:25:18.640 gate and I said, well, I landed and that's how I got behind 306 00:25:18.640 --> 00:25:21.240 the gate. I mean, they were it was weird. I don't know 307 00:25:21.279 --> 00:25:26.079 why. But anyway, so what's going on with you? Okay? Well, 308 00:25:26.200 --> 00:25:30.880 I had an attic fan for thirty three years, so I got a 309 00:25:30.920 --> 00:25:33.039 lot of experience. Now, when you say an attic fan, do you 310 00:25:33.119 --> 00:25:37.319 mean a whole house fan. An attic fan ventilates the attic. A whole 311 00:25:37.319 --> 00:25:42.640 house fan ventilates the house through the attic. Okay, this is an attic 312 00:25:42.880 --> 00:25:48.160 fan. Okay, they're good, They're good to have. Yes, and 313 00:25:48.200 --> 00:25:53.559 it goes on at eighty degrees automatically. Yeah, yeah, huh, yes, 314 00:25:53.960 --> 00:25:56.960 I have. I learned this from my dad. I have a trap 315 00:25:57.079 --> 00:26:03.680 door, and because of my work, I never came home during the day, 316 00:26:03.799 --> 00:26:07.720 so I didn't have air conditioning until like four years ago when I retired. 317 00:26:07.559 --> 00:26:11.799 What I would do is I would override or turn the override switch, 318 00:26:11.920 --> 00:26:17.119 open the trap door, open the windows. Just four days ago, I 319 00:26:17.240 --> 00:26:19.839 was sixty eight degrees in the house, and then I closed the windows back 320 00:26:19.920 --> 00:26:26.640 up and then lower the trapdoor. But the big thing is I was burning 321 00:26:26.680 --> 00:26:33.200 out electric motors on that fan about every year for four years. Then I 322 00:26:33.240 --> 00:26:38.160 had the house repainted and I wanted to add more vents. So when we 323 00:26:38.200 --> 00:26:44.880 took off the old vents, most of those vents have a wire screen behind 324 00:26:44.920 --> 00:26:51.319 them. That wire screen between the trees, the pollen and all the stuff 325 00:26:51.359 --> 00:26:56.119 from the different trees. They were plugged, and that is why I was 326 00:26:56.160 --> 00:27:00.039 burning out motors. But I went ahead and added three more. But a 327 00:27:00.079 --> 00:27:06.880 lot of people that have older houses, those vents could very well be plugged 328 00:27:07.000 --> 00:27:11.000 like mine, work that could be Now do you know what excel Roofing does. 329 00:27:11.240 --> 00:27:17.880 Excel Roofing has this fan that's solar operated, and so the fan has 330 00:27:17.920 --> 00:27:21.200 a panel on it and the fan is self propelled. They just drop it 331 00:27:21.240 --> 00:27:26.839 in and as pop Peel used to say, the don Popeel, I believe 332 00:27:26.839 --> 00:27:29.440 it was with the vegiomatic, He says, you said it and forget it, 333 00:27:30.200 --> 00:27:33.519 or with whatever he had that did that. So so you just put 334 00:27:33.599 --> 00:27:37.079 it in and it goes on and that's it. It's all solar powered, 335 00:27:37.319 --> 00:27:44.319 self contained, no wiring, and they're really really great. They're really great 336 00:27:44.359 --> 00:27:47.559 to don't talk about them a lot. And that's what I would put in 337 00:27:47.640 --> 00:27:52.880 if I was going to replace my present situation, because it sounds me and 338 00:27:52.240 --> 00:28:00.279 being solar powered. And now keeping your attic ventilated is so important, it's 339 00:28:00.319 --> 00:28:03.000 so important. Anyway, anyone who comes to do your roof should check that 340 00:28:03.039 --> 00:28:07.240 automatically. Anyone that comes to do any kind of insulation should check that automatically, 341 00:28:08.079 --> 00:28:11.480 and I think when Brooke does her solar systems, she should check all 342 00:28:11.480 --> 00:28:15.440 of that too, and they do. I think that's a good point. 343 00:28:15.519 --> 00:28:18.319 But I bet there's a lot of vents out there that are partially or fully 344 00:28:18.359 --> 00:28:22.519 plugged. That's a good point you make, and I'm going to go one 345 00:28:22.519 --> 00:28:26.319 step further. That's going to shock you. Not only Doug, are there 346 00:28:26.440 --> 00:28:32.680 probably vents plugged? But I moved into a home in Littleton, a really 347 00:28:32.799 --> 00:28:36.519 nice home back in the day, and I, as I always have, 348 00:28:36.680 --> 00:28:41.160 I have my contractors, my sponsors check the house. And Jay checked the 349 00:28:41.279 --> 00:28:47.240 roof and the soffits of facia, the ventilation, and he said, Tom, 350 00:28:47.559 --> 00:28:52.559 do you see all those grills on your soffits, all those vents? 351 00:28:52.839 --> 00:28:55.880 And I said yeah. He said, they just nailed them up there. 352 00:28:56.119 --> 00:29:02.000 There's nothing cut open, There was no vacting. They just they took this, 353 00:29:02.000 --> 00:29:03.599 this big custom home. They took it was I didn't have it built, 354 00:29:03.640 --> 00:29:08.720 somebody else did, but they had this. They had them nailed up 355 00:29:08.799 --> 00:29:12.640 there, screwed into the soft to the soffits to make it look like a 356 00:29:12.759 --> 00:29:17.559 vent. But they never cut them anyway, Thank you very much. Three 357 00:29:17.559 --> 00:29:21.160 all three seven one three eight two fivey five. Artists is next with a 358 00:29:21.279 --> 00:29:23.839 drainage problem with a neighbor. We've dealt with that before too. Right after 359 00:29:23.880 --> 00:29:33.400 this, go with a sure thing Denver's Best roofer Excel Roofing dot com. 360 00:29:33.440 --> 00:29:41.200 You don't pay a cent until you're content. Time for an insurance check up 361 00:29:41.319 --> 00:29:45.400 free, no obligation. In comparison, call Compass Insurance. Paying too much 362 00:29:45.519 --> 00:29:48.799 your coverage at dozens of insurance companies find out now three all three seven seven 363 00:29:48.799 --> 00:29:52.599 to one help. You'll think you're his only customer when you choose Frank durand 364 00:29:52.599 --> 00:29:57.000 the real estate Man dot com to list your home with Remax Alliance three all 365 00:29:57.039 --> 00:30:03.640 three nine two zero sixteen twenty two. Tom Martinez here three oh three seven 366 00:30:03.720 --> 00:30:07.839 one three talks seven one three eight two five five. Hey, listen, 367 00:30:07.440 --> 00:30:11.640 the longer problem sits in festers, the worst it gets. If you have 368 00:30:11.680 --> 00:30:14.799 a problem, call us soon, artists. I don't know how long you've 369 00:30:14.799 --> 00:30:18.920 had this problem. What's going on? Artists? I live in Washington Park, 370 00:30:19.279 --> 00:30:23.599 and as you know, they're they're building these huge houses. They're tearing 371 00:30:23.640 --> 00:30:29.359 down all the old houses. And I had a new house that was built 372 00:30:29.359 --> 00:30:33.440 a couple of years ago to the north of me. Yeah. And the 373 00:30:33.480 --> 00:30:38.440 street I live in is on a hill at a big slope that runs down. 374 00:30:38.920 --> 00:30:42.119 Yeah. So the house next to me, to the north of me 375 00:30:42.400 --> 00:30:47.720 is discharging water. And to my is that house? Is that house higher 376 00:30:47.759 --> 00:30:52.119 than you? Yes, and it's discharging water. Is it a new home? 377 00:30:53.279 --> 00:31:00.119 Yes? And how new is it compared to yours? My house as 378 00:31:00.119 --> 00:31:03.799 one hundred years old? That house is two years old, okay? And 379 00:31:06.440 --> 00:31:14.839 is it an entire subdivision or just an infill house just one single residence? 380 00:31:15.480 --> 00:31:18.000 Did they knock down the old house or did they rebuild that one? How 381 00:31:18.440 --> 00:31:23.519 did that happen? They demolished the house that was there and got a new 382 00:31:23.559 --> 00:31:26.640 one? Yeah, we call those yeah. Yeah, so they raised it 383 00:31:26.680 --> 00:31:30.880 and it's an infill project. They're doing new homes inside the city. Now 384 00:31:32.839 --> 00:31:41.440 here's the important thing to know. Usually to get permits, they have to 385 00:31:41.559 --> 00:31:48.240 show what they're going to do as far as landscaping and changes to the elevation, 386 00:31:48.920 --> 00:31:53.119 changes to the lite had I got a copy of the architectural plans and 387 00:31:53.160 --> 00:32:01.480 there was a French train or something indicated there that the water from the gutters 388 00:32:01.920 --> 00:32:07.599 and the discharge was all going to run to the back to the alley and 389 00:32:07.720 --> 00:32:09.839 maybe can't do it all? Right, how do you know they didn't do 390 00:32:09.880 --> 00:32:16.200 it because the water is coming into my property? But but how do you 391 00:32:16.240 --> 00:32:20.680 know the French drain's not there and it's just not adequate. You said they 392 00:32:20.720 --> 00:32:22.759 did not do it. You said they did not install a French drain. 393 00:32:23.920 --> 00:32:30.279 Well, I assume when I when I see water coming out of the gutter 394 00:32:30.599 --> 00:32:36.599 to the surface of the property, that there's no drain for that water. 395 00:32:37.759 --> 00:32:42.359 Do they have a down spout? Yes? And where does the downspout go? 396 00:32:45.079 --> 00:32:47.440 Where does that water go? Yeah? Where does the down spout go? 397 00:32:47.480 --> 00:32:52.480 If you look at it before it's there? They're directed toward my house. 398 00:32:54.680 --> 00:33:00.440 The down spouts come down and are directed down towards your house. Yes, 399 00:33:00.200 --> 00:33:05.279 okay, they don't go into the ground. No, okay, So 400 00:33:05.359 --> 00:33:08.079 they don't have under any underground drainage there. Do you know what a French 401 00:33:08.160 --> 00:33:12.640 drain is? For? A French drain is not for your neighbors. A 402 00:33:12.680 --> 00:33:17.079 French drain is to keep water out of your basement. Right, So the 403 00:33:17.119 --> 00:33:22.680 French drain you saw on that plan was not a plan to keep water out 404 00:33:22.680 --> 00:33:25.079 of your house. It was a plan to keep water out of their house. 405 00:33:28.319 --> 00:33:31.079 You said all of the water was supposed to be directed to the alley. 406 00:33:31.160 --> 00:33:35.160 I need to know what on the plan. A French drain would not 407 00:33:35.240 --> 00:33:40.240 show that. So what showed all of the water in the drainage plan going 408 00:33:40.279 --> 00:33:46.119 to the alley? What showed? Yeah? Jan, let me ask you 409 00:33:46.200 --> 00:33:49.319 something. I'm not trying to trick you. I'm trying to help you. 410 00:33:49.680 --> 00:33:52.799 Did you have an engineer look at that or someone? Or did you look 411 00:33:52.839 --> 00:33:58.640 at it the plan? Yeah? You said you looked at the plans? 412 00:33:59.039 --> 00:34:05.880 Yeah? Get Did you have an engineer look at it? Huh? Okay, 413 00:34:06.519 --> 00:34:08.760 hold on, hold on, Jan, I need to know what they 414 00:34:08.800 --> 00:34:13.119 did wrong, and if you don't know, we'll find someone to help you. 415 00:34:13.199 --> 00:34:16.639 But I need to know where you discerned that they were supposed to direct 416 00:34:16.760 --> 00:34:25.800 water and did not go with a sure thing. Denver's Best Roofer excel roofing 417 00:34:25.920 --> 00:34:32.400 dot com. You don't pay a cent until you're content. Time for an 418 00:34:32.400 --> 00:34:37.239 insurance checkup free, no obligation. In comparison, call Compass insurance paying too 419 00:34:37.280 --> 00:34:42.159 much your coverage at dozens of insurance companies. Find out now three oh three 420 00:34:42.320 --> 00:34:45.760 seven seven to one. Help. You'll think you're his only customer when you 421 00:34:45.840 --> 00:34:50.000 choose Frank durand the real estate man dot com to list your home with Remax 422 00:34:50.039 --> 00:35:02.519 Alliance three oh three nine two zero sixteen twenty two new need advice, So 423 00:35:02.719 --> 00:35:10.519 you don't have come running just as fast as we can. Shooter's gonna help 424 00:35:10.840 --> 00:35:20.159 come Man Dix is the trouble Shooter show Now, Tom Martine, Hi, 425 00:35:20.360 --> 00:35:24.760 Tom Martino, your Troubleshooter. Three O three seven one three talk three oh 426 00:35:24.840 --> 00:35:30.519 three seven one three eight two five five? What's going on? How are 427 00:35:30.599 --> 00:35:36.199 you and how can we help you? So we have today a guest with 428 00:35:36.280 --> 00:35:38.840 us from Red Rocks, Rufe and Solo. That is the owner, I 429 00:35:38.920 --> 00:35:45.239 should say, not just a guest from there, but the owner anyway, 430 00:35:45.559 --> 00:35:52.519 So anyway, what's going on in your life? We have artists who's talking 431 00:35:52.599 --> 00:35:57.880 about drainage. Drainage is a terrible problem. It happens in a lot of 432 00:35:57.920 --> 00:36:02.880 neighborhoods. You know, conventionally or traditionally maybe is a better word than conventionally. 433 00:36:02.920 --> 00:36:14.599 Traditionally. Drainage problems in subdivisions and in drainage plans actually have a weird 434 00:36:15.400 --> 00:36:22.239 precedent. In the past. The precedent has been the people at the low 435 00:36:22.480 --> 00:36:30.800 end of the drainage have the responsibility for movinging for moving it onward, except 436 00:36:30.840 --> 00:36:37.599 in rare circumstances, if you're doing a giant project, and that giant project 437 00:36:37.679 --> 00:36:42.360 is going to have impact down the line in lower elevations, and when I 438 00:36:42.360 --> 00:36:45.039 say elevation, i'm talking just a few feet here. It doesn't have to 439 00:36:45.039 --> 00:36:47.760 be down the mountain. But when you're going to have an impact, they 440 00:36:47.920 --> 00:36:57.599 sometimes require drainage ditches or retention ponds or some kind of a drainage plan. 441 00:36:58.239 --> 00:37:04.199 Now, when you build an infill project where you go into a neighborhood, 442 00:37:05.360 --> 00:37:14.079 the only requirement usually is that you don't change the drainage plan. Now that 443 00:37:14.119 --> 00:37:20.000 doesn't mean you have to divert water or anything. You just don't change what's 444 00:37:20.079 --> 00:37:22.840 there. Now, that's very difficult to build a new house and not change 445 00:37:22.880 --> 00:37:28.079 anything. Or if you excavate, you're supposed to put it back to the 446 00:37:28.119 --> 00:37:34.559 way it was. But this common problem of people down the line with new 447 00:37:34.599 --> 00:37:38.079 constructions saying, ever since that house was built, I'm getting a flooded basement, 448 00:37:38.159 --> 00:37:40.719 or I'm getting puddling, or I'm getting this, or I'm getting that. 449 00:37:42.280 --> 00:37:46.400 Doesn't always mean it is their problem. Now, it does a lot 450 00:37:46.440 --> 00:37:50.360 of the times, So I don't know in this case. So a lot 451 00:37:50.360 --> 00:37:52.400 of the times, it can be your problem, it can be their problem, 452 00:37:52.400 --> 00:37:57.280 it can be a combination. And how would it be your problem if 453 00:37:57.320 --> 00:38:00.079 somebody built a new home. Well, if somebody built a new home and 454 00:38:00.159 --> 00:38:06.039 it was larger, but they didn't change the drainage plan and the county did 455 00:38:06.039 --> 00:38:12.199 not require them to, this larger home would have a larger roof and more 456 00:38:12.239 --> 00:38:17.599 capacity for gutters and downspouts, and would create more drainage by its mere existence, 457 00:38:17.920 --> 00:38:24.519 because a home captures water and then it drains down and out. So 458 00:38:25.480 --> 00:38:30.880 if it was a larger home approved by the county and they did not substantially 459 00:38:31.559 --> 00:38:37.519 change the elevation, it kind of would be your problem to divert that water. 460 00:38:37.679 --> 00:38:43.119 I know it sounds crazy, but in many cases, the building department 461 00:38:43.280 --> 00:38:47.239 will say, this house is way larger than the one you're replacing, what 462 00:38:47.360 --> 00:38:52.599 are you going to do with the excess drainage? And in rare cases, 463 00:38:52.199 --> 00:38:59.320 counties who are really with it or cities will require the builder to have a 464 00:38:59.400 --> 00:39:04.559 drainage now. Artists said, when she looked at the plans for that home 465 00:39:05.119 --> 00:39:09.400 next to her, it said something about a French drain, which has nothing 466 00:39:09.480 --> 00:39:14.840 to do with drainage. It only has to do with keeping water out of 467 00:39:14.880 --> 00:39:19.239 her base, out of that basement, out of that builder's basement. It 468 00:39:19.280 --> 00:39:23.320 has nothing to do with drainage of your neighbors. Okay, it's only that 469 00:39:23.440 --> 00:39:27.639 a French drain is only for the house being built, not for the neighbors. 470 00:39:27.679 --> 00:39:30.639 Okay. So, but then she said something else. She said the 471 00:39:30.719 --> 00:39:37.760 plan showed that the water was being diverted to the back. And I asked 472 00:39:37.800 --> 00:39:40.320 her, did she have an engineer look at that? Did she look at 473 00:39:40.320 --> 00:39:44.920 that? And how did she know that's what the drainage showed? So, 474 00:39:45.199 --> 00:39:51.159 artists, let's start there. Chat artists. I didn't say there was a 475 00:39:51.239 --> 00:39:54.400 French drain on the plans. It's just something that I know about. Oh 476 00:39:54.880 --> 00:40:00.320 okay, mentioned that. I'm sorry, go ahead, So what about the 477 00:40:00.400 --> 00:40:08.199 drains? Does it show a drainage plan? Yes, and tell me about 478 00:40:08.239 --> 00:40:14.119 it. Also, is the drainage plan you said it shows a drainage plan? 479 00:40:14.519 --> 00:40:17.119 Okay, there's an engineer signature on there. There's an engineer stamp on 480 00:40:17.159 --> 00:40:22.519 there. So what does the drainage plan? You know how to read a 481 00:40:22.599 --> 00:40:27.760 drainage plan? No, I don't. And I had to look up several 482 00:40:27.800 --> 00:40:31.000 words on that plan to understand what that meant. Okay, and you said 483 00:40:31.360 --> 00:40:36.920 that was two years two and a half years ago. Oh and so two 484 00:40:37.000 --> 00:40:39.039 years later, nothing's been done, and I need to see if I still 485 00:40:39.119 --> 00:40:43.920 have that. I got the plans from the city. They were huge. 486 00:40:44.079 --> 00:40:52.840 Did you complain to the building department? Artists? To the building department, 487 00:40:52.559 --> 00:40:57.559 they're the ones that issued the permit for that house to be built back two 488 00:40:57.599 --> 00:41:01.559 years ago, when you started noticing problems or too much? How is it 489 00:41:01.599 --> 00:41:08.119 affecting you? By the way, Well, as I mentioned, I'm in 490 00:41:08.199 --> 00:41:13.840 Washington Park. We have a high water level here. People have problems in 491 00:41:14.079 --> 00:41:19.119 their artists. I'm all familiar with wash Park. So I'm asking how is 492 00:41:19.159 --> 00:41:22.920 it affecting you? Are you on this house is above you and water is 493 00:41:22.920 --> 00:41:24.639 coming onto your property? Is it puddling? Is it pooling? Is it 494 00:41:24.719 --> 00:41:29.000 swamping? Is it going into your basement? How is it affecting you? 495 00:41:29.039 --> 00:41:34.800 That's a fair question. How's it affecting you? It will affect my foundation 496 00:41:36.360 --> 00:41:40.400 when it drains off and settles on the foundation. Has it Okay, it's 497 00:41:40.440 --> 00:41:45.039 been there for two years, It's been there for two years. I'm asking, 498 00:41:45.360 --> 00:41:49.760 have you gotten water in your basement? I have not had water in 499 00:41:49.800 --> 00:41:53.000 my basement. I don't know about the foundation. I can't tell. So 500 00:41:53.119 --> 00:41:58.159 you're assuming, but I need to know. But how do you even know 501 00:41:58.239 --> 00:42:02.760 the water is coming onto your property? Is it visually flowing onto your property 502 00:42:02.840 --> 00:42:14.360 like a little stream? Artists they have your gunners and the down spout, 503 00:42:14.440 --> 00:42:21.559 the down spout is discharging water onto their property. I assume it's going down 504 00:42:21.599 --> 00:42:25.719 in the ground and going into my foundation. It's a possibility. How far 505 00:42:25.760 --> 00:42:30.559 away is the end of their drains, their downs I'm not arguing with you, 506 00:42:30.599 --> 00:42:35.119 I'm trying to figure out the problem if there is one. So the 507 00:42:35.239 --> 00:42:39.480 end of the down spout, there's a down spout that goes vertical, and 508 00:42:39.480 --> 00:42:43.880 then there's one that goes along the ground. The end of the one along 509 00:42:43.920 --> 00:42:49.000 the ground, how far is it from your property line? I'd say four 510 00:42:49.079 --> 00:42:53.760 feet okay, so you're assuming, And then how far is your foundation from 511 00:42:53.800 --> 00:43:02.199 your property line? Tree feet? Okay, So approximately seven or eight feet 512 00:43:02.559 --> 00:43:07.360 from their downspout is your basement, And you're thinking that's seven or eight feet 513 00:43:07.440 --> 00:43:13.079 the water must be draining down into the ground and affecting my basement, although 514 00:43:13.119 --> 00:43:20.000 you've not seen any effect to your basement. No, then what are you 515 00:43:20.119 --> 00:43:30.199 complaining about the possibility of damage? Yeah, yes, but you've not seen 516 00:43:30.280 --> 00:43:34.800 any damage in two years, nor have you seen any swamping or any excess 517 00:43:34.920 --> 00:43:45.079 water on your property. Well, everybody knows in this area here they have 518 00:43:45.239 --> 00:43:52.360 problems with their basement. There is a damp foundation. Everybody knows, there's 519 00:43:52.360 --> 00:43:57.400 a high water level here. It's such a high water here level here. 520 00:43:57.519 --> 00:44:01.719 And on these new houses they're building, they build the basement so deep they 521 00:44:01.800 --> 00:44:07.519 breaks up. Pumped now and that's charged out to the alley. Okay, 522 00:44:07.679 --> 00:44:13.920 now here's what here's what you need to do. You need to have seriously, 523 00:44:14.079 --> 00:44:15.360 artists, if you called this is really what you need to do. 524 00:44:19.159 --> 00:44:28.480 Yes, So Denver has a printed booklet on homeowner's guide to discharge and their 525 00:44:28.519 --> 00:44:32.320 responsibility to direct this. That's right, that's right, And you read that 526 00:44:32.559 --> 00:44:37.360 and it's everything that's happening here. And I gave that to the owner of 527 00:44:37.400 --> 00:44:39.840 the house last year. I gave it artist this year. That's only if 528 00:44:39.880 --> 00:44:46.079 it's causing problems, you cannot the problem. The reason you're not getting attention, 529 00:44:46.440 --> 00:44:51.440 well one is you never complained to this building department probably and and if 530 00:44:51.480 --> 00:44:54.440 you did, you don't have any evidence at all. I'm going to tell 531 00:44:54.440 --> 00:44:59.880 you how to get evidence. You need to get an engineer to do a 532 00:45:00.079 --> 00:45:05.239 study next to your foundation to see if there's excess moisture going down to your 533 00:45:05.280 --> 00:45:12.519 foundation. It's it's an engineering report. If it shows excessive moisture around your 534 00:45:12.599 --> 00:45:17.400 foundation and that there is a problem, then you have something to complain about. 535 00:45:17.719 --> 00:45:22.800 But if the soils are porous, and if they're going down into the 536 00:45:22.960 --> 00:45:28.360 underlying water a table or and not affecting you, and there's no water in 537 00:45:28.360 --> 00:45:31.960 your basement and there's no moisture on your basement walls on the inside, you 538 00:45:32.039 --> 00:45:37.679 can't. There's nothing that anyone can do. You may not like seeing the 539 00:45:37.760 --> 00:45:43.000 water being discharged into their yard, but there's nothing you can do about it. 540 00:45:43.360 --> 00:45:47.440 That you can only do something about a problem. You can't say, 541 00:45:47.480 --> 00:45:52.239 well, I know there's going to be a problem, because everyone knows we 542 00:45:52.360 --> 00:45:57.000 have a water problem. It's not that simple. And if you get some 543 00:45:57.199 --> 00:46:00.199 kind of a it doesn't have to be that expensive, but you need some 544 00:46:00.320 --> 00:46:07.519 kind of ammunition if you want to attack their drainage. The drainage just because 545 00:46:07.599 --> 00:46:15.920 it's happening doesn't mean it's causing harm. It doesn't have to wait for damage. 546 00:46:15.360 --> 00:46:17.920 No, you don't. I just know. No, you don't have 547 00:46:19.000 --> 00:46:22.800 to wait for damage. Okay, But what do you want them to do 548 00:46:22.119 --> 00:46:25.840 now? Now, as as a neighbor, they could I guess they could 549 00:46:25.880 --> 00:46:30.559 put in a system to divert the drain out to the back. They could 550 00:46:30.599 --> 00:46:34.079 if they wanted to, And maybe that would be being a good neighbor to 551 00:46:34.119 --> 00:46:38.320 put underground corrugated a pipe in to carry that drainage out to the alley. 552 00:46:38.440 --> 00:46:44.239 I don't know. But but but you have to first to have you Have 553 00:46:44.400 --> 00:46:50.320 you even complained to the building department? No, I don't know who to 554 00:46:50.360 --> 00:46:54.039 complain to. Okay, the building department. The building department. You don't 555 00:46:54.079 --> 00:47:00.639 call the water department. You call the building department issued the permit. You 556 00:47:00.800 --> 00:47:06.920 have to tell them that you believe the drainage is doing harm to your property. 557 00:47:07.119 --> 00:47:08.679 Then they're going to ask you why, and you're not going to have 558 00:47:08.719 --> 00:47:15.280 anything. But if you had an engineer saying there is excessive moisture build up 559 00:47:15.320 --> 00:47:19.719 outside of a basement wall and it will eventually move it, or there is 560 00:47:19.800 --> 00:47:24.639 some kind of evidence, then you will have more ammunition. Otherwise, there's 561 00:47:24.679 --> 00:47:28.840 not much you can do. No, you don't have to wait for damage. 562 00:47:28.920 --> 00:47:32.960 If you're anticipating a problem, it's up to you to prove it these 563 00:47:34.000 --> 00:47:37.400 people. You can't just go to them and say, I assume that your 564 00:47:37.519 --> 00:47:43.519 drainage is going to cause me a problem and I want you to change it. 565 00:47:43.519 --> 00:47:46.679 It just doesn't work that way. You're the one assuming that there's a 566 00:47:46.760 --> 00:47:52.159 guide that member's done that regulates what needs to be done so that you don't 567 00:47:52.159 --> 00:47:59.639 do this to another person's property. That guide is only in the event that 568 00:47:59.679 --> 00:48:07.800 the elevation is changed or anything is causing a problem. Okay, give me 569 00:48:07.960 --> 00:48:14.239 one example where the guide. One example where the guide has a problem. 570 00:48:15.480 --> 00:48:21.000 What are they violating one example of that guide? Why don't have it in 571 00:48:21.039 --> 00:48:22.800 front of me? But okay, but find it for me. Find it 572 00:48:22.840 --> 00:48:27.920 for me, because but then what you should do is take that guide and 573 00:48:28.000 --> 00:48:31.039 call the building department and say, according to section three B, they're not 574 00:48:31.159 --> 00:48:35.440 doing this. Do it. Then if you have it, but I don't 575 00:48:35.480 --> 00:48:38.840 think you're reading the guide properly. That guide is to divert drainage in the 576 00:48:38.880 --> 00:48:45.360 event they change the elevation. They probably said in their permit. They didn't 577 00:48:45.440 --> 00:48:49.559 change it, and you're saying, but it's causing a lot of drainage. 578 00:48:49.679 --> 00:48:54.360 Then you have to complain to the people who issued the permit to make sure 579 00:48:54.760 --> 00:49:00.599 that they abided by what they said. That's all I'm not. I'm not, 580 00:49:01.000 --> 00:49:06.039 you know, trying to brush off your problem. I'm telling you how 581 00:49:06.079 --> 00:49:09.679 to get action for it. Three oh three seven one three eight two five 582 00:49:09.840 --> 00:49:22.159 five. Go with a sure thing Denver's best roofer Excel Roofing dot com. 583 00:49:22.199 --> 00:49:30.000 You don't pay a cent until you're content. Time for an insurance check up 584 00:49:30.079 --> 00:49:34.159 free, no obligation. In comparison, call Compass Insurance. Paying too much 585 00:49:34.280 --> 00:49:37.559 your coverage at dozens of insurance companies find out now three oh three seven seven 586 00:49:37.559 --> 00:49:42.360 to one help. You'll think you're his only customer when you choose Frank durand 587 00:49:42.360 --> 00:49:45.800 the real estate Man dot com to list your home with Remax Alliance three oh 588 00:49:45.840 --> 00:49:52.679 three nine two zero sixteen twenty two times. Tom Martino your Troubleshooter three oh 589 00:49:52.719 --> 00:49:58.679 three seven one three talk three oh three seven one three a two five five. 590 00:49:58.800 --> 00:50:00.719 Welcome to the show. By by the way, I think I've said 591 00:50:00.760 --> 00:50:05.239 you have said this to you before, but you can text me at my 592 00:50:05.599 --> 00:50:09.039 Google number, and that's my private Google number, and I forward that sometimes 593 00:50:09.079 --> 00:50:13.320 to my cell phone as well, and I can turn it on and off, 594 00:50:13.360 --> 00:50:16.280 so it's a good number to have. You can leave a message here 595 00:50:16.280 --> 00:50:21.039 at seven four seven nine nine fifty to eighty, and of course you can 596 00:50:21.079 --> 00:50:27.000 also text me at the regular texting number for the station, which is five 597 00:50:27.119 --> 00:50:31.119 seven seven three nine. And I do have some texts here. And they 598 00:50:31.239 --> 00:50:37.360 said, Tom, you're right about By the way, you're right about the 599 00:50:37.719 --> 00:50:42.880 emails from the Biden camp. I'm on their mailing list as well, and 600 00:50:42.920 --> 00:50:47.519 they've been downright frightening. One of them said that Trump was the biggest threat 601 00:50:47.559 --> 00:50:53.440 to America in history and has to be stopped, and it said one of 602 00:50:53.480 --> 00:50:58.639 them said, we have to do everything we can to keep him from being 603 00:50:58.719 --> 00:51:04.920 president again. They said on day one he would become a dictator, he 604 00:51:04.960 --> 00:51:09.360 would try to put an end to the Constitution and look to assassinate political enemies. 605 00:51:09.559 --> 00:51:14.159 Now, I swear to God, this is what they were putting out. 606 00:51:14.480 --> 00:51:19.480 So when people look to change things, I think they think they're on 607 00:51:19.519 --> 00:51:22.960 a mission from God. I mean, think about it. It's scary. 608 00:51:23.400 --> 00:51:29.000 It's scary stuff. Brook whites with us from Red Rocks, Roof and Soular. 609 00:51:29.039 --> 00:51:30.320 And by the way, if you have any questions, problems, complaints, 610 00:51:30.320 --> 00:51:32.480 give us a call three oh three, seven to one three he talks 611 00:51:32.480 --> 00:51:37.280 seven one three eight two five five. And air conditioners have been working around 612 00:51:37.360 --> 00:51:42.199 the clock. They've been crazy. Brook. Have you been hearing from anyone. 613 00:51:42.880 --> 00:51:46.719 I'm just curious if someone put you said, you've actually been in homes 614 00:51:46.800 --> 00:51:52.360 and the reason they called you is because they argue about the air conditioner and 615 00:51:52.440 --> 00:51:57.840 how much they should run it. And heat does really irritate people way more 616 00:51:57.880 --> 00:52:00.480 than cold. If people are cold, they get fun, but it doesn't 617 00:52:00.519 --> 00:52:07.119 irritate them as much as the heat. And you said, there's absolutely there's 618 00:52:07.199 --> 00:52:10.599 absolutely a dynamic where they argue about how much to use the air. In 619 00:52:10.599 --> 00:52:16.000 fact, Seinfeld did a one time they did an episode on this where they 620 00:52:16.039 --> 00:52:23.719 were visiting Jerry's family in Florida and Elaine was dying from them not using the 621 00:52:23.760 --> 00:52:28.559 air conditioner. And that's because they wanted to save money. And you said 622 00:52:28.719 --> 00:52:34.119 that they decided to go solar, so just because of the air conditioner. 623 00:52:34.239 --> 00:52:37.000 Oh yeah, absolutely, this was a unique couple. So they had an 624 00:52:37.039 --> 00:52:43.239 outside kitchen setup and so if the temperature was so hot, the husband would 625 00:52:43.239 --> 00:52:46.400 actually make the wife cook outside because he didn't want the heat of her cooking 626 00:52:46.559 --> 00:52:51.679 to increase the heat inside the house. So it was weird for sure. 627 00:52:51.719 --> 00:52:55.400 But yeah, absolutely, by going solar, it saves money on that electric 628 00:52:55.480 --> 00:53:00.719 bill, so it definitely negated their fights. In fact, can a solar 629 00:53:00.719 --> 00:53:04.679 system handle one hundred percent of your AC needs and heat like this? If 630 00:53:04.719 --> 00:53:07.920 you like? And if so? When people, I got two questions. 631 00:53:07.960 --> 00:53:12.880 First, can solar handle one hundred percent of the solar of the of the 632 00:53:12.920 --> 00:53:15.639 AC? Yeah? Absolutely, it's just part of your electric usage right now, 633 00:53:15.679 --> 00:53:20.960 Here's what I'm asking When people do solar, do they do it so 634 00:53:21.079 --> 00:53:23.039 one hundred percent of their bill is covered? Or do they do it as 635 00:53:23.039 --> 00:53:27.320 an auxiliary or can they do either? Yeah? Either one. It just 636 00:53:27.320 --> 00:53:29.679 depends on life. I don't think i'd go through the trouble and money. 637 00:53:29.719 --> 00:53:32.199 Why would you go through the trouble not to pay all of your electric bill 638 00:53:32.400 --> 00:53:37.800 or not to cover all of your electrical needs because your electrical needs really won't 639 00:53:37.840 --> 00:53:39.559 grow over the years. I mean, your house is your house. I 640 00:53:39.559 --> 00:53:44.119 guess if your kids grow up and leave that, your your needs might go 641 00:53:44.239 --> 00:53:46.599 down, but very seldom will your needs go up. Yeah. I mean 642 00:53:46.639 --> 00:53:50.599 it just depends on the roof space, the shade factor. I mean, 643 00:53:50.639 --> 00:53:53.400 everybody's property is a little bit different. So are there some that can't generate 644 00:53:53.440 --> 00:53:58.320 one percent? Yeah, exactly, And so having eighty percent of your bill 645 00:53:58.360 --> 00:54:01.000 covered versus none is still a better option because you still have a return on 646 00:54:01.079 --> 00:54:06.559 investment. All right. So have you had systems where you said to them 647 00:54:06.760 --> 00:54:09.039 it really doesn't pay at all? I mean really because they didn't have the 648 00:54:09.400 --> 00:54:13.960 proper setup with the house or the exposure or never, or is there always 649 00:54:14.000 --> 00:54:16.320 some benefit? What have you found? Yeah? So actually one of your 650 00:54:16.440 --> 00:54:21.639 callers had me out to their home and they have a utility company called Mountain 651 00:54:21.719 --> 00:54:25.039 View Electric. Okay, so with mountain View they have a huge connection fee 652 00:54:25.079 --> 00:54:30.000 and they charge very little for their kill a lot hours and so as Solar, 653 00:54:30.280 --> 00:54:34.119 I mean they don't they're not expensive. No, so they're still paying 654 00:54:34.159 --> 00:54:37.440 like forty bucks a month just to be connected to the grid, okay, 655 00:54:37.480 --> 00:54:40.280 but they're charged like seven cents for the power they consume. So in that 656 00:54:40.400 --> 00:54:45.679 case, solar can only replace the consumption because it's like, okay, the 657 00:54:45.960 --> 00:54:47.480 not the hookup fee. Yeah. So in that case, I told them, 658 00:54:47.480 --> 00:54:50.920 like, you know, at least for the next ten years, you're 659 00:54:50.920 --> 00:54:53.119 actually going to be paying more to go solar than you would with U utility. 660 00:54:53.360 --> 00:54:58.280 Now, if the system lasts the thirty years we're anticipating, you'll see 661 00:54:58.320 --> 00:55:01.039 the savings later, but it'll take a while for you to recoup it. 662 00:55:01.039 --> 00:55:05.760 It's more if you want a battery system and to make sure that you're always 663 00:55:06.000 --> 00:55:09.400 connected to electricity if the grid goes down. And so, yeah, one 664 00:55:09.440 --> 00:55:12.679 hundred percent. That's a real story of somebody. I said, Look, 665 00:55:12.679 --> 00:55:15.039 you're not going to save money for a really long time if you do it 666 00:55:15.079 --> 00:55:19.760 all. Because now we'll talk about more. I have a couple more texts 667 00:55:19.760 --> 00:55:23.000 if you have any phone calls on anything and including solar three zero three seven 668 00:55:23.000 --> 00:55:27.440 to one three talks seven one three, eight two five five. You know, 669 00:55:29.079 --> 00:55:31.400 I love talking about the heat and all that. And one thing that 670 00:55:31.519 --> 00:55:35.960 Garrett over at eight eight eight Heating dot Com said is he said, Tom, 671 00:55:36.079 --> 00:55:38.480 one of the things we love doing is we love putting in a conventional 672 00:55:38.519 --> 00:55:45.360 furnace along with a heat pump and a air conditioning system all in one unit, 673 00:55:45.679 --> 00:55:47.360 well not one unit, but one system. So in other words, 674 00:55:47.880 --> 00:55:53.800 the heat pump is programmed to come on with the furnace, and the furnace 675 00:55:53.960 --> 00:55:59.519 only kicks on in extreme conditions. So it's all computerized, so you can 676 00:55:59.559 --> 00:56:02.920 set it when the furnace comes on and when the heat pump is used less 677 00:56:04.519 --> 00:56:07.800 and so. In other words, if it gets really extreme where the heat 678 00:56:07.840 --> 00:56:13.239 pump wouldn't handle it, that the furnace comes on, but the furnace doesn't 679 00:56:13.239 --> 00:56:15.840 have to work as hard because it has the heat pump. And then the 680 00:56:15.880 --> 00:56:21.000 heat pump, of course is being paid for by solar. And again it's 681 00:56:21.119 --> 00:56:24.199 it. And then in some cases he even said that he's doing. There 682 00:56:24.199 --> 00:56:29.239 are electric furnaces as well. Have you heard of those Drouck electric furnaces? 683 00:56:29.400 --> 00:56:32.639 Yeah, yeah, and so and so anyway, eight eight eight heating dot 684 00:56:32.679 --> 00:56:37.480 com. If you're looking for people for the high efficiency stuff, they're good, 685 00:56:37.519 --> 00:56:42.760 honest people eight eight eight heating dot Com three oh three seven seven zero 686 00:56:42.800 --> 00:56:54.039 two seven seven six Go with a sure thing Denver's Best roofer Excel roofing dot 687 00:56:54.079 --> 00:57:00.760 Com. You don't pay a cent until you're content. Time for an insurance 688 00:57:00.840 --> 00:57:07.719 checkup free no obligation comparison call compass insurance paying too much your coverage at dozens 689 00:57:07.719 --> 00:57:10.039 of insurance companies. Find out now three all three seven to seven to one 690 00:57:10.159 --> 00:57:15.159 help You'll think you're his only customer when you choose Frank durand the real estate 691 00:57:15.199 --> 00:57:19.599 man dot com to list your home with Remax Alliance three all three nine two 692 00:57:19.679 --> 00:57:27.840 zero sixteen twenty two. Okay, got several questions. Today's a very busy 693 00:57:28.559 --> 00:57:37.280 day for a very busy day for texting. I want to ask Brook, 694 00:57:37.599 --> 00:57:43.599 red Rocks, Ruf and Siller Brook. Somebody wants to know do you get 695 00:57:43.599 --> 00:57:46.079 a lot of calls for new builds? Yeah, we get quite a few 696 00:57:46.360 --> 00:57:50.159 for new builds. Yeah. Use they're way easy to do on a new 697 00:57:50.199 --> 00:57:53.079 build, wouldn't they be? They would be. But usually the new build 698 00:57:53.239 --> 00:57:58.639 persons like GC already has a solar company that they work with. Okay, 699 00:57:58.760 --> 00:58:01.400 yeah, but do you get those tax credits the same if you're building new 700 00:58:02.320 --> 00:58:06.599 It depends on how the builder has your contract set up, because the builder 701 00:58:06.639 --> 00:58:09.960 can actually take the text credit's from you. Oh so like in that relationship 702 00:58:10.000 --> 00:58:13.679 I was telling you about, Yeah, they already have a builder. Then 703 00:58:13.760 --> 00:58:16.320 usually the builder is the one who gets the tax credits instead of the homeowner. 704 00:58:16.400 --> 00:58:19.599 So you need to make sure your contracts set up the right way. 705 00:58:19.800 --> 00:58:23.480 Okay and on okay, And then I have some others, but I'll wait. 706 00:58:23.559 --> 00:58:27.920 Kevin Colkin is with us. He's one of my auto experts. Kevin. 707 00:58:27.960 --> 00:58:31.000 I got another text here. They want to know about sea foam. 708 00:58:31.360 --> 00:58:37.159 Now. I got one a while ago, and I didn't really pay attention 709 00:58:37.199 --> 00:58:39.079 to it because it was during a card day. We were really busy. 710 00:58:39.159 --> 00:58:44.159 But then I got another one from someone else. So are they doing a 711 00:58:44.159 --> 00:58:49.840 lot of advertising or something? Have you ever heard of it? Seaphone's been 712 00:58:49.920 --> 00:58:53.079 out for a long wile time. Oh really? What really is it? 713 00:58:53.119 --> 00:58:58.519 What is it? It's basically an additive that you can use in a lot 714 00:58:58.599 --> 00:59:04.920 of different ways for hydrocarbon residences and different things in the fuel. I've seen 715 00:59:04.920 --> 00:59:08.000 it used in transmissions to help shifting. It's kind of a jack of all 716 00:59:08.039 --> 00:59:12.159 trades, you know, additive. Yeah, as I'm looking at this, 717 00:59:12.199 --> 00:59:17.639 it's talking about motorcycles, lawnmowers, outboard engines, any quick, any small 718 00:59:17.679 --> 00:59:22.519 engine, or actually any engine. It says it really cleans out. So 719 00:59:22.840 --> 00:59:25.280 what do you know about it? It? Like, would there be a 720 00:59:25.360 --> 00:59:32.000 BG product similar or that you would recommend? More? The VGs are more 721 00:59:32.039 --> 00:59:36.639 specific to fuel, oil and transmission where the sea phone. They say you 722 00:59:36.639 --> 00:59:42.199 can use it in almost anything to basically liquify the gum and varnish and everything 723 00:59:42.199 --> 00:59:47.519 else inside components. Have you ever used it? Maybe a while back, 724 00:59:47.719 --> 00:59:52.039 but nothing recent? No? Okay, now, while I have you on, 725 00:59:53.039 --> 00:59:55.320 we must have talked about this. I don't know if it was on 726 00:59:55.639 --> 01:00:00.000 or off the air. But I got a follow up question about fuel storage. 727 01:00:00.119 --> 01:00:02.840 This guy said he used to buy some fuel and put it in in 728 01:00:02.880 --> 01:00:07.360 a tank and he wants to know. Then he was told it's not going 729 01:00:07.440 --> 01:00:12.800 to last that long. So I didn't know fuel how to storage life? 730 01:00:13.519 --> 01:00:17.199 I mean, well pull ahead climate? Yes, I mean it can break 731 01:00:17.239 --> 01:00:22.159 down over time. Sure, what breaks it down? Is it heat or 732 01:00:22.199 --> 01:00:24.800 cold? What is it? Well? I think heat breaks it down more. 733 01:00:25.559 --> 01:00:30.760 But yeah, it starts to separate and it gets a foul smell to 734 01:00:30.840 --> 01:00:32.559 it. You know a car that's been in a bar and if you will 735 01:00:32.599 --> 01:00:36.599 for five years? Well, can it hurt the engine? Though? I 736 01:00:36.639 --> 01:00:38.159 mean, do you drain it? What does it do? Yeah? You 737 01:00:38.239 --> 01:00:43.960 need to drain you know if it's if it's that contaminated, it almost won't 738 01:00:44.000 --> 01:00:49.480 burn. Is there a way to test it? You know, I don't 739 01:00:49.519 --> 01:00:52.079 know. I mean short of the smell is you know, most mechanics can 740 01:00:52.119 --> 01:00:57.360 smell fuel and say that yeah it's okay or no, this is stale it 741 01:00:57.599 --> 01:01:01.559 definitely and okay. Then then I have a follow up question because we're talking 742 01:01:01.559 --> 01:01:07.360 about it a little the other day. Do these fuel stabilizers extend the life 743 01:01:07.400 --> 01:01:10.559 of fuel? Oh? Absolutely? Yeah? And what do the Yeah, 744 01:01:10.639 --> 01:01:14.840 go ahead. It just it just keeps the properties together. I mean it 745 01:01:14.880 --> 01:01:19.039 works great in lawnmowers, motorcycles. You know, with is the smaller the 746 01:01:19.079 --> 01:01:22.599 fuel, the harder the contamination is going to affect it, you know, 747 01:01:22.719 --> 01:01:27.599 like a half a gallon as opposed to fifty gallons. Okay, I see 748 01:01:27.599 --> 01:01:30.880 what you're saying. So if you have a small okay, So so this 749 01:01:31.039 --> 01:01:37.440 goes for lawnmowers and pressure washers and all kinds of small engines where gasoline could 750 01:01:37.480 --> 01:01:40.440 sit for years. Yes, yeah, like stable you know you put that 751 01:01:40.519 --> 01:01:44.719 in the end of the season, run it like in your boat, all 752 01:01:44.840 --> 01:01:46.800 kinds of things that it's going to be stored for a while. It works 753 01:01:46.880 --> 01:01:52.559 very very well. So normally, what would normal shelf life if fuel be 754 01:01:52.719 --> 01:01:57.480 normal just without any stabilized I think anything more than six months is pushing it? 755 01:01:58.000 --> 01:02:01.239 Oh wow wow? And then with the stable, what would it be? 756 01:02:02.280 --> 01:02:06.840 I think you can extend it out past the year easily. Okay, 757 01:02:07.119 --> 01:02:10.079 but even then, man, that's that's good to know. Thank you have 758 01:02:10.079 --> 01:02:14.840 three all three seven one three talk seven one three eight two five five. 759 01:02:15.679 --> 01:02:22.039 Renew Home Innovations. You want beautiful shower conversions from that old ugly tub shower 760 01:02:22.159 --> 01:02:27.000 combo. They do it a big, beautiful rectangle shower in that space with 761 01:02:27.119 --> 01:02:31.960 no no thresholds. It's a smooth transition in. It's great for people with 762 01:02:32.039 --> 01:02:37.519 walkers or wheelchairs or just just anyone who wants one. And then perimeter dreams, 763 01:02:37.559 --> 01:02:40.840 benches, grab bars, soap dishes. You make it custom for your 764 01:02:40.880 --> 01:02:44.880 movements. They do it in two or three days, and you have six 765 01:02:44.920 --> 01:02:50.559 months to excuse me, seventy two months to pay with no interest. Renew 766 01:02:51.119 --> 01:02:59.320 Renew Home Innovations dot com three all three nine zero four to two thousand go 767 01:02:59.440 --> 01:03:02.719 with a shore thing Denver's best roofer Excel Roofing dot com. You don't pay 768 01:03:02.719 --> 01:03:10.079 a cent until you're content. Time for an insurance checkup, free no obligation. 769 01:03:10.239 --> 01:03:15.519 Comparison call compass insurance paying too much your coverage at dozens of insurance companies. 770 01:03:15.599 --> 01:03:19.599 Find out now three O three seven to seven to one help. You'll 771 01:03:19.639 --> 01:03:22.440 think you're his only customer when you choose Frank durand the real estate man dot 772 01:03:22.480 --> 01:03:28.559 com to list your home with Remax Alliance three three nine two zero sixteen twenty 773 01:03:28.599 --> 01:03:37.199 two. Hi Tom Martino here, let's talk to Chris. Chris has a 774 01:03:37.280 --> 01:03:43.840 question about HVAC. What's going on? Chris? Hey, Tom, Hey, 775 01:03:44.679 --> 01:03:47.119 make some foundation repairs in the basement, and I need some vet duct 776 01:03:47.159 --> 01:03:52.000 work re routed. And I know Plumbline, who I use a lot, 777 01:03:52.079 --> 01:03:54.280 will not do that. I'm looking for a resource to reroute doc No, 778 01:03:54.280 --> 01:04:00.280 no, no. If you use just an HVAC company to do ductwork be 779 01:04:00.400 --> 01:04:03.840 very expensive. We need to have some kind of mechanical contractor that can do 780 01:04:03.880 --> 01:04:08.719 that, that does just deduct the ducting. Now listen, here's what I 781 01:04:08.719 --> 01:04:12.239 want to tell you, though. There is a less expensive option with the 782 01:04:12.320 --> 01:04:16.559 flexible ducting. Are you willing to convert to flexible? Sure? I'm just 783 01:04:16.599 --> 01:04:19.320 willing to. I need somebody to give me a strategy. I don't know 784 01:04:19.360 --> 01:04:24.320 how I'm gonna now. There's okay, there's a few different strategies. One 785 01:04:24.360 --> 01:04:28.920 would be you, what kind of section has to be rerouted? A big 786 01:04:29.000 --> 01:04:33.599 section? Yeah, like one whole side of the house runs right atop the 787 01:04:33.639 --> 01:04:38.960 foundation while in the basement and I'm having some structural repair done where they're moving 788 01:04:39.000 --> 01:04:44.239 the wall back and they need to bolster it on the inside across the All 789 01:04:44.320 --> 01:04:50.159 right, so how many feet run? Is that? Probably twenty thirty and 790 01:04:50.400 --> 01:04:56.599 is it one straight run? For the most part, that's going to be 791 01:04:56.599 --> 01:04:59.360 pretty easy. Now, you can do it in a number of ways. 792 01:04:59.639 --> 01:05:03.679 You can find someone and they do a flexible, which is literally connecting one 793 01:05:03.760 --> 01:05:06.639 end to the other, and then they'll just hang that they hang it from 794 01:05:06.639 --> 01:05:12.039 the from the choice or that's not a finished basement, right, correct? 795 01:05:12.719 --> 01:05:15.079 Okay, so it depends on what you want. Are you going to finish 796 01:05:15.079 --> 01:05:19.760 this basement in the future? No, okay, So you can do a 797 01:05:19.800 --> 01:05:24.559 flex Now, in addition to a flex you can do something that is like 798 01:05:24.679 --> 01:05:29.480 semiflex, I call it. It's not the steel, but it's a it's 799 01:05:29.480 --> 01:05:32.440 a cheaper duct and it will move the move the duct where you want it. 800 01:05:32.760 --> 01:05:38.679 But I'm trying to think here, who do you get did plumbline have 801 01:05:38.719 --> 01:05:45.119 any recommendations for it well, believe it or not, they just said you 802 01:05:45.119 --> 01:05:47.920 should call Tom Martine. Yeah, okay, now we need to no, 803 01:05:48.079 --> 01:05:54.920 seriously, we need to call a few of our people because, believe it 804 01:05:55.000 --> 01:05:58.440 or not, they don't normally do that. What they do is they do 805 01:05:58.559 --> 01:06:02.239 the system with but it's a ductwork they usually sub it to. And I'd 806 01:06:02.280 --> 01:06:06.760 like to know a good company and who they use, Kachina. Could we 807 01:06:06.800 --> 01:06:12.679 call over maybe to uh adam At fix it? Okay, since he's he's 808 01:06:12.719 --> 01:06:18.440 already called Plumbine. And then let's also ask Tony At what you would call 809 01:06:18.480 --> 01:06:23.320 it. Uh, I don't think now I'm sounding never mind. Don't call 810 01:06:23.360 --> 01:06:26.480 me a name, Shannon, I promise, don't call and don't play the 811 01:06:26.480 --> 01:06:33.719 theme music either. He started playing Hail to the Chief. Uh, we 812 01:06:33.760 --> 01:06:40.840 want come on now, I'm I'm bringing a I'm bringing a fart here brain 813 01:06:40.880 --> 01:06:45.079 fart. But Tony, you know who I mean? Right? And Master 814 01:06:45.280 --> 01:06:47.079 Services? Gosh, I knew i'd come up. Okay, I was just 815 01:06:47.119 --> 01:06:51.199 gonna say maybe Master services. Yeah, let's call it, ask them who 816 01:06:51.199 --> 01:06:55.280 they use for ducting? Hang on, Chris, let's see we get you 817 01:06:55.280 --> 01:06:57.599 an answer, or if you have to hang up, that's good. Two 818 01:06:57.599 --> 01:07:00.039 three oh three, we will talk about it three O three seven to one 819 01:07:00.079 --> 01:07:03.119 three talk seven one three eight two five five. Okay, I got a 820 01:07:03.199 --> 01:07:08.400 question for our solar expert and we have brook with us. By the way, 821 01:07:08.440 --> 01:07:13.280 thanks guys for using this number for texting. The number is it's my 822 01:07:13.679 --> 01:07:16.400 private Google number, which means you can text me anytime. I'm serious, 823 01:07:16.440 --> 01:07:19.440 I will get it. And I don't know why I put it out there, 824 01:07:19.480 --> 01:07:23.840 but you know what I figure. Look, direct access is good seven 825 01:07:23.920 --> 01:07:29.000 four seven nine nine nine fifty two eighty seven four seven nine nine nine fifty 826 01:07:29.039 --> 01:07:34.559 two eighty and uh, that is a one here. Okay. So I 827 01:07:34.559 --> 01:07:43.039 have a text about swimming pools. They really want to heat their swimming pools, 828 01:07:43.119 --> 01:07:46.440 keep it open three seasons. Do you do solar systems just for swimming 829 01:07:46.440 --> 01:07:49.559 pools or do you think that's foolish to do? If you know, I 830 01:07:49.599 --> 01:07:53.440 don't know where you stand on that. When people have a single use solar 831 01:07:54.000 --> 01:07:58.280 need, do you do you think that's wise? So in Boulder County you're 832 01:07:58.320 --> 01:08:01.000 required to add soul if you add in a pool or a hot tub. 833 01:08:01.320 --> 01:08:05.039 Really, so that is a single use requirement by the jurisdiction. So yeah, 834 01:08:05.039 --> 01:08:09.400 we do. But if you're doing it, aren't you really just In 835 01:08:09.400 --> 01:08:13.679 other words, here's what I'm asking, Can you really save money doing that? 836 01:08:13.880 --> 01:08:17.039 Or if you're gonna do it anyway, can't you just add more panels 837 01:08:17.039 --> 01:08:20.279 and get more out of it? Isn't that the time to do it? 838 01:08:20.600 --> 01:08:25.720 Or do you have to upgrade everything like the inverters and everything. No, 839 01:08:25.880 --> 01:08:29.439 you can do it piecemeal, are altogether. You're going to get more bang 840 01:08:29.520 --> 01:08:32.319 for your buck if you do as much solar as you possibly can, since 841 01:08:32.359 --> 01:08:35.239 you're there working anyway. Yeah, exactly, because then you get the right 842 01:08:35.239 --> 01:08:39.399 size inverters, your racking's done, which is what the panels are on, 843 01:08:39.439 --> 01:08:43.680 and you already have your panels. What's the most expensive part of a system? 844 01:08:44.079 --> 01:08:48.800 Oh? Like, the are the panels themselves, the inverter and what 845 01:08:49.239 --> 01:08:51.840 is it? There's the panel, the inverter, and what else. I 846 01:08:51.840 --> 01:08:57.600 would say the inverters probably the most. And the inverter takes the DC and 847 01:08:57.640 --> 01:09:00.600 turns it into AC right, yep, exactly, And then what else do 848 01:09:00.600 --> 01:09:02.319 you have to do it? You don't have to do a new panel, 849 01:09:02.399 --> 01:09:06.279 right. It just depends on the system and what they're doing. Typically, 850 01:09:06.319 --> 01:09:10.920 if they're already adding a pool then they probably have a sufficient main panel, 851 01:09:11.079 --> 01:09:13.119 right, But if they don't have a sufficient main panel, they have to 852 01:09:13.159 --> 01:09:16.319 add the panel. And then what is the net meter? Is that something 853 01:09:16.359 --> 01:09:20.039 the utility company does? Yes, and it's a special meter. The new 854 01:09:20.079 --> 01:09:24.640 smart meters can't be automatically a net meter. No, the new smart meters 855 01:09:24.680 --> 01:09:27.000 are set up for that, all right. We have more coming up on 856 01:09:27.039 --> 01:09:30.520 the Troubleshooter Show three O three seven one three talks seven one three eight two 857 01:09:30.640 --> 01:09:34.479 five five. You can also text five seven seven three nine, or of 858 01:09:34.560 --> 01:09:40.199 course my Google number seven four seven nine nine nine fifty two eighty go with 859 01:09:40.279 --> 01:09:44.439 a sure thing Denver's best roofer Excel roofing dot com. You don't pay a 860 01:09:44.520 --> 01:09:49.439 cent until your content wait on top of it. Time for an insurance check 861 01:09:49.560 --> 01:09:55.760 up free, no obligation comparison call Compass Insurance Paying too much You're coverage at 862 01:09:55.760 --> 01:09:59.840 dozens of insurance companies find out now three all three seven seven to one help. 863 01:10:00.079 --> 01:10:02.600 You'll think you're his only customer when you choose Frank durand the real estate 864 01:10:02.640 --> 01:10:08.039 Man dot com to list your home with Remax Alliance three oh three nine two 865 01:10:08.119 --> 01:10:19.359 zero sixteen twenty two yea ripped of news need advice, so you don't have 866 01:10:21.600 --> 01:10:29.560 come running shoes as fast as we can show Shooter's gonna help come. Man 867 01:10:29.760 --> 01:10:39.000 Dix is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here, 868 01:10:39.039 --> 01:10:42.239 Welcome to the show. Three oh three seven one three talk seven one three 869 01:10:42.319 --> 01:10:45.880 eight two five five What is on your mind today? How can we help 870 01:10:45.920 --> 01:10:47.600 you? This hour brought to you by waterpros dot Net. You and know 871 01:10:47.600 --> 01:10:50.159 how I feel about water. The best water, the best drink. Who 872 01:10:50.119 --> 01:10:54.319 watch the lowest prices anywhere. And if you want a whole house system, 873 01:10:54.640 --> 01:10:59.720 you can damn near do laundry without detergent. I'm not I am not kidding 874 01:10:59.760 --> 01:11:02.000 you. That's super soft. Water is one of the best cleaning agents in 875 01:11:02.119 --> 01:11:06.359 nature. And that's waterpros dot Net three three eight six two five five five 876 01:11:06.399 --> 01:11:11.000 four. Brook is with us from Red Rocksproof and Solar. We've been talking 877 01:11:11.000 --> 01:11:14.319 a little about solar. Now Lisa wants to talk about landscaping. Let's talk 878 01:11:14.319 --> 01:11:17.239 about landscaping, Lisa, and then Mike wants to talk about an apartment manager. 879 01:11:17.479 --> 01:11:19.560 Anything on your mind, folks, That's what we do here. We 880 01:11:19.680 --> 01:11:24.920 just discuss things, you know, really what we love doing is helping people. 881 01:11:24.920 --> 01:11:30.600 That's what we love. And by the way, can Brook guarantee we 882 01:11:30.680 --> 01:11:32.920 can sell our tax credits if we can't use it. Let me just ask 883 01:11:32.960 --> 01:11:36.920 you that real quick that this texta just came into my Google number seven four 884 01:11:38.039 --> 01:11:42.840 seven nine nine nine eighty Brook, what happens in there on if they can't 885 01:11:42.920 --> 01:11:46.800 use the tax credit they heard they could sell, Jeviny says, can Brook 886 01:11:46.840 --> 01:11:53.279 guarantee we can sell our tax credits if so? How Yeah, So the 887 01:11:53.520 --> 01:11:59.159 Inflation Reduction Acts allowed folks to start selling their tax credits, or if they're 888 01:11:59.199 --> 01:12:02.600 a nonprofit, they get in IRS rebate check back instead of the credit. 889 01:12:03.600 --> 01:12:06.479 Now, as far as guaranteeing it, I'm not a CPA, So you 890 01:12:06.560 --> 01:12:12.000 need to apply with the IRS to get a number so you can sell your 891 01:12:12.039 --> 01:12:15.199 tax credit if they approve that, which from what I've heard, is a 892 01:12:15.239 --> 01:12:18.000 pretty simple process. As long as you have that number, you can sell 893 01:12:18.039 --> 01:12:24.039 your tax credits. People have been selling tax credits for decades, just not 894 01:12:24.119 --> 01:12:27.800 Solar like okay, I didn't know that. Yeah, like your tax credits. 895 01:12:27.800 --> 01:12:30.119 Now, who buys them? Oh? Anybody that has a high tax 896 01:12:30.159 --> 01:12:32.960 liability. So, in other words, if you have a system and you 897 01:12:33.000 --> 01:12:36.159 have somebody that wants to sell a credit, I could buy them. Yeah, 898 01:12:36.199 --> 01:12:40.159 I would talk to your accountant, because your accountant's going to know people 899 01:12:40.199 --> 01:12:42.479 with high tax liability that are going to want to buy it from you. 900 01:12:43.119 --> 01:12:45.840 Yeah, I would talk to your accountant. What if I wanted to buy 901 01:12:45.840 --> 01:12:49.159 them to credits? So obviously idea is you don't pay one hundred percent form 902 01:12:49.239 --> 01:12:53.960 or you don't get the benefit, right you're yeah, you're usually paying about 903 01:12:54.000 --> 01:12:58.399 seventy to seventy five cents on the dollar. So cool, So everyone benefits 904 01:12:58.439 --> 01:13:01.479 exactly, all right, three O three seven one three Talk now, Lisa? 905 01:13:01.479 --> 01:13:04.960 What about your landscaping? What's going on? Lisa? Oh yes, 906 01:13:05.159 --> 01:13:09.800 I want to Hi Tom, it's good talk to you. Well, good 907 01:13:09.880 --> 01:13:14.039 to talk to you. What's happening. I'm a senior and I'm just hard 908 01:13:14.119 --> 01:13:18.279 to take care of this grass and just everything I try on it doesn't work. 909 01:13:18.359 --> 01:13:24.000 I get big long ways. I want to find a laundscapers that could 910 01:13:24.279 --> 01:13:28.000 and do away with the lawn. And oh, so you want to do 911 01:13:28.039 --> 01:13:31.840 it, but I mean now I'm putting us them big rock blocks. And 912 01:13:32.319 --> 01:13:36.960 see that you're talking about. They call it zero scaping. Yeah, mm 913 01:13:38.039 --> 01:13:42.239 hmm. Are you allowed to do that where you live. Some neighborhoods don't 914 01:13:42.279 --> 01:13:46.560 allow it. I live in Lakewood in a regular neighborhood or in a subdivision. 915 01:13:47.159 --> 01:13:53.560 Oh no, a regular neighborhood. So do other people in the neighborhood. 916 01:13:54.000 --> 01:13:57.800 I doubt there's any rule against it where you are. So no, 917 01:13:58.880 --> 01:14:02.720 I've seen people are around here with it and even with him great big kimber 918 01:14:02.880 --> 01:14:06.680 rocks around their house. Okay, you know what I would do, Rob 919 01:14:06.720 --> 01:14:13.720 at l em Landscaping, great person. You could also Rob. It's it's 920 01:14:14.039 --> 01:14:16.319 l E. M Landscaping on my referral list. He's a great guy. 921 01:14:16.600 --> 01:14:20.000 He'll take care of you. Yeah. And then there's also we also have 922 01:14:20.159 --> 01:14:24.600 other landscapers. Hold on, let me just go. But Rob's a good 923 01:14:24.640 --> 01:14:27.680 guy, and you'll like Bob. Bob is what I meant, Yeah, 924 01:14:27.760 --> 01:14:32.000 Bob elim. But then there's also what mister green Jeans. I don't know 925 01:14:32.039 --> 01:14:34.119 if he does that. I don't know if he does that, but you 926 01:14:34.159 --> 01:14:39.840 can check with him. Do you need numbers to do that off the air 927 01:14:39.880 --> 01:14:44.560 for you? Okay? So l E. M Landscaping and mister green Jeans 928 01:14:44.720 --> 01:14:48.239 both on my referral list. Hold On and Kaschina will help you out there. 929 01:14:49.039 --> 01:14:53.560 Thanks Katchina. Mike, what's going on with you? Mike? What's 930 01:14:53.600 --> 01:15:00.319 happening? Oh good man, what's happening with you? Well, actually, 931 01:15:00.359 --> 01:15:08.159 my daughter and her friend moved into an apartment here in Coloras Springs, and 932 01:15:08.239 --> 01:15:11.960 over the time that they've been staying there, they've you heard somebody trying to 933 01:15:11.960 --> 01:15:15.680 get inside their house. So they decided to hang a camera up outside the 934 01:15:15.720 --> 01:15:20.840 door. Yeah, come to find out it's the property manager. He walks 935 01:15:20.880 --> 01:15:26.720 around, that's his ear up to the door, listens, and then he 936 01:15:26.800 --> 01:15:30.439 tries to open your door. Wait a minute, daughter, Wait a minute. 937 01:15:30.479 --> 01:15:31.800 Does he know there's a door can there? Or is he? Is 938 01:15:31.800 --> 01:15:34.760 he a moron? Well, I'm sorry, I don't want to insult my 939 01:15:34.880 --> 01:15:39.119 YouTube morons. But is he just crazy? Does he know there's a door 940 01:15:39.199 --> 01:15:45.640 can there? I don't think he did. At first she showed me the 941 01:15:45.720 --> 01:15:48.800 videos, and one of the videos finally he had looked up and seen this 942 01:15:48.840 --> 01:15:54.800 little tiny camera. Is this a house or is it an apartment? That's 943 01:15:54.800 --> 01:15:59.880 an apartment complex and is and this manager is trying to get in or is 944 01:15:59.880 --> 01:16:03.520 he what is he doing at the door? He puts his ear up to 945 01:16:03.600 --> 01:16:10.600 the door and then he tries to turn the handle. She so her camera 946 01:16:10.720 --> 01:16:15.479 kind of faces the apartment across the hall from her, and you can physically 947 01:16:15.560 --> 01:16:17.720 see him grab the handle and try to turn it. And then he comes 948 01:16:17.720 --> 01:16:21.039 over to her apartment and you can see him put his ear up to her 949 01:16:21.079 --> 01:16:25.000 door and he tries to turn her hands. So he's doing more than just 950 01:16:25.119 --> 01:16:32.640 hers. Yeah, did you report him? She's just no, she just 951 01:16:32.640 --> 01:16:35.439 wants to move out, and she wants I mean, honestly, she has 952 01:16:35.479 --> 01:16:39.880 a lease and she wants to know what she can do to get out of 953 01:16:39.920 --> 01:16:45.279 there. I mean, obviously he's on camera trying to do all this stuff. 954 01:16:45.399 --> 01:16:48.520 So what you're really asking, Mike, you're asking, is that a 955 01:16:48.560 --> 01:16:55.880 good enough reason to leave? Yep, and get her deposit back and break 956 01:16:55.880 --> 01:17:00.840 her lease? Okay, we should examine that. Maybe Brad Obrian would have 957 01:17:00.880 --> 01:17:03.319 something to say about that, our real estate attorney I want to ask. 958 01:17:03.359 --> 01:17:08.720 But here's here's some of the things I think could happen. I think the 959 01:17:08.760 --> 01:17:12.479 guy could make an excuse saying, well, you know, I just checked 960 01:17:12.479 --> 01:17:16.159 to make sure they're locked and that we don't hear anything unusual, you know, 961 01:17:16.199 --> 01:17:19.159 would he say something like that, like I don't know what is that 962 01:17:19.359 --> 01:17:25.600 is weird? That is really weird. Yeah, it's creepy. How many 963 01:17:25.720 --> 01:17:31.720 times has she recorded this? More than a dozen? She's got more than 964 01:17:31.760 --> 01:17:35.800 a dozen times. All right, wait a minute, no, no, 965 01:17:35.800 --> 01:17:42.039 no, no, that's that's really weird. More than a dozen times. 966 01:17:43.279 --> 01:17:49.840 She needs to call the owners. I think you know what though, sometimes 967 01:17:49.960 --> 01:17:54.399 during the middle of the day. Sometimes they could be at two o'clock in 968 01:17:54.439 --> 01:17:58.600 the morning. Okay, that's that is creepy. Does she live that you 969 01:17:58.640 --> 01:18:02.720 say she lives there with someone? Right? Yeah, my daughter and her 970 01:18:02.760 --> 01:18:10.119 friend. They're both girls. So they're both uh just barely over twenty so 971 01:18:11.680 --> 01:18:17.840 okay, hold on, that would freak me out. Uh, she needs 972 01:18:17.880 --> 01:18:21.520 to call the police, Tom, Yeah, have you has she called the 973 01:18:21.560 --> 01:18:28.039 police? Well, she doesn't want to start any problems and get kicked out 974 01:18:28.039 --> 01:18:32.520 of there or him come try to do something. So why would they get 975 01:18:32.600 --> 01:18:39.039 kicked out of there? That would be there's a management company that has this 976 01:18:39.199 --> 01:18:45.000 manager. Who's the management company? I'm not too sure. I would have 977 01:18:45.039 --> 01:18:48.000 to get the name, Mike, Department Complexes. Mike. If it was 978 01:18:48.079 --> 01:18:53.039 my daughter, I would take that video. I would find out who the 979 01:18:53.079 --> 01:18:57.079 management company is and get this guy fired. I mean, now, if 980 01:18:57.079 --> 01:18:59.960 she now this is between you and me, I want to ask you something. 981 01:19:00.399 --> 01:19:04.960 If she's looking for an excuse to break her lease anyway, okay? 982 01:19:05.239 --> 01:19:09.960 Is that I'm not saying she's making this up. I'm saying, does she 983 01:19:10.039 --> 01:19:15.199 not? Does she just want out of there? Oh it's a pretty rough 984 01:19:15.239 --> 01:19:17.239 place, and with that going on, she yeah, she just slumps out 985 01:19:17.279 --> 01:19:20.199 of their No. In other words, even if the guy was fired, 986 01:19:20.560 --> 01:19:28.680 she still wants out, doesn't she? Yep. Then I would still contact 987 01:19:28.760 --> 01:19:32.520 them and say, look, this is an intolerable situation. We would like 988 01:19:32.600 --> 01:19:38.079 to do this in a friendly way and get our deposit back and break the 989 01:19:38.159 --> 01:19:43.439 lease on a given date. But I would talk to someone. I really 990 01:19:43.520 --> 01:19:47.359 would at the management company. You're asking me, can they do a constructive 991 01:19:47.359 --> 01:19:53.680 eviction? In other words, can they just evict themselves? Yeah they can. 992 01:19:53.920 --> 01:19:56.560 You can go through that. But then if they want, they can 993 01:19:56.720 --> 01:20:02.119 argue and say he was checking or whatever. All I'm saying is it's not 994 01:20:02.359 --> 01:20:09.880 as automatic as if somebody will let you out of it. So I would 995 01:20:09.880 --> 01:20:15.560 tend to go ahead. What my biggest concern would be is, you know, 996 01:20:16.920 --> 01:20:23.800 I guess you know, if it was just checking, he's honestly doing 997 01:20:23.840 --> 01:20:28.159 it throughout the night. No, no doubt, I don't doubt. I 998 01:20:28.159 --> 01:20:31.199 don't doubt the guy's a weirdom okay, And I don't doubt that she wants 999 01:20:31.199 --> 01:20:34.800 out of there. But what I'm saying is if they want to put up 1000 01:20:34.800 --> 01:20:42.000 a fight, a constructive eviction is not automatic. A constructive addiction where you 1001 01:20:42.079 --> 01:20:46.600 where you evict yourself, basically saying it's unsafe. Although I think with this 1002 01:20:46.720 --> 01:20:50.359 video evidence she would win in court, but I'm trying to avoid that. 1003 01:20:50.520 --> 01:20:56.279 What I'm saying is if she calls or you call the management company, and 1004 01:20:56.319 --> 01:20:59.399 you say, we have video of this clown doing this, we want out 1005 01:20:59.479 --> 01:21:04.920 of the you know, even tell him you're gonna go to the media with 1006 01:21:05.000 --> 01:21:09.800 it. I mean, you want your deposit back. She wants her deposit 1007 01:21:09.880 --> 01:21:13.319 back because she wants out of the lease. So see what they say first 1008 01:21:13.359 --> 01:21:15.920 and call us back. I mean, I think you have every reason to 1009 01:21:15.960 --> 01:21:20.800 want out of it. Three all three seven to one three talk seven one 1010 01:21:20.840 --> 01:21:25.640 three eight two five five. Someone else on YouTube says she needs to follow 1011 01:21:25.720 --> 01:21:30.319 up in writing, you know, with the management company, and to see 1012 01:21:30.960 --> 01:21:34.079 first of all what they say about it. Are they going to say they 1013 01:21:34.119 --> 01:21:39.600 approved it. Are they gonna say, yeah, he does that periodically. 1014 01:21:39.680 --> 01:21:42.600 I mean, I think that's I don't I think that would be stretching it. 1015 01:21:43.000 --> 01:21:45.880 But I think you need to contact the management company. I mean, 1016 01:21:45.920 --> 01:21:49.880 wouldn't you feel bad or terrible if something happened to someone as a result of 1017 01:21:49.920 --> 01:21:56.199 this? Three all three seven one three eight two five five. Compass Insurance 1018 01:21:56.239 --> 01:22:00.119 Group Insurance checkups. Make sure you're not over insured, under insured, paying 1019 01:22:00.159 --> 01:22:04.479 too much? That's Compass Insurance Group. A free checkup three oh three nine 1020 01:22:04.560 --> 01:22:15.680 nine six nine thousand. Go with a sure thing Denver's Best roofer Excel Roofing 1021 01:22:15.760 --> 01:22:23.239 dot com. You don't pay a cent until you're content. Time for an 1022 01:22:23.279 --> 01:22:28.680 insurance checkup free, no obligation. Comparison call Compass Insurance Paying too much your 1023 01:22:28.680 --> 01:22:31.800 coverage at dozens of insurance companies find out now three all three seven seven to 1024 01:22:31.840 --> 01:22:35.560 one help. You'll think you're his only customer when you choose Frank durand the 1025 01:22:35.640 --> 01:22:41.159 real estate Man dot com to list your home with Remax Alliance three all three 1026 01:22:41.239 --> 01:22:48.359 nine two zero sixteen twenty two. Hi Tom Martino here three all three seven 1027 01:22:48.399 --> 01:22:54.479 one three talks seven one three eight two five five All Right, so welcome 1028 01:22:54.520 --> 01:22:57.279 to the show. We have Red Rocks RS with Us, Red Rocks Roof 1029 01:22:57.279 --> 01:23:00.319 and Solar with Us today talking about solo tongue. Anything on your mind, 1030 01:23:00.520 --> 01:23:06.720 problems, questions and complaints. One of the most common complaints I got one 1031 01:23:06.720 --> 01:23:10.960 today, but we've gotten them over the years, where when people build a 1032 01:23:11.000 --> 01:23:15.520 house next to an existing home and drainage changes, what can you do again, 1033 01:23:16.239 --> 01:23:23.119 if a home doesn't change the elevation of the property and doesn't substantially change 1034 01:23:23.159 --> 01:23:28.880 it, according to the county, there's nothing they have to do. Drainage 1035 01:23:28.920 --> 01:23:31.920 goes with the natural drainage of the land. If you don't change it, 1036 01:23:32.640 --> 01:23:36.760 even though you might now get more water onto your property or you think you're 1037 01:23:36.760 --> 01:23:41.840 getting more water, that's really up to you to prove it's doing any damage 1038 01:23:42.039 --> 01:23:45.560 and that they did the changing. It's not as easy as you think to 1039 01:23:45.640 --> 01:23:50.520 simply complain about it. Now. There are some obvious cases where people change 1040 01:23:50.880 --> 01:23:57.000 the drainage plan, and when they do, then they have to reconcile it 1041 01:23:57.079 --> 01:24:00.640 or do something about it. There's suppose if they're going to change the elevation 1042 01:24:00.760 --> 01:24:08.800 of the land, they're supposed to get submit a drainage plan. Three oh 1043 01:24:08.840 --> 01:24:13.399 three seven one three talk three oh three seven one three eight two five five 1044 01:24:13.720 --> 01:24:15.319 red rocks, roof and solar. Another question for you, let me go 1045 01:24:15.399 --> 01:24:18.039 to the camera. Well we get the white shot here. Somebody wants to 1046 01:24:18.079 --> 01:24:23.239 know. Are you allowed if you're in an area served by a utility? 1047 01:24:23.319 --> 01:24:27.760 Can you go off grid if you want to? Are you allowed to even 1048 01:24:27.880 --> 01:24:30.880 go off grid if you don't want to pay any connection fees or anything? 1049 01:24:30.119 --> 01:24:33.560 Can you use the solar system and batteries and go off grid? Do you 1050 01:24:33.680 --> 01:24:38.439 know? Yeah, you can shut off the connection to the there's no requirement 1051 01:24:38.479 --> 01:24:41.640 that you're connected to the grid. No, I mean you're still always going 1052 01:24:41.720 --> 01:24:45.319 to pay a connection fee unfortunately, because they've got gas and electrical already connected. 1053 01:24:46.479 --> 01:24:51.199 But that's usually between eight dollars. Well, it depends on the region 1054 01:24:51.199 --> 01:24:54.039 that you're in. But yeah, you can go off grid if you want 1055 01:24:54.079 --> 01:24:57.640 to. People do it all the time. They do. But then is 1056 01:24:57.680 --> 01:25:00.279 it hard to get back on? Well, you're already connected, and so 1057 01:25:00.319 --> 01:25:02.800 you just flip on the switch. Oh so you do it yourself. Yeah, 1058 01:25:02.840 --> 01:25:06.479 you just flip off the switch so that power can't go out to the 1059 01:25:06.600 --> 01:25:12.079 utility and power can't come into the utility. Okay, I didn't know that. 1060 01:25:12.119 --> 01:25:15.840 Okay. And so you have people that have been able to use the 1061 01:25:15.840 --> 01:25:18.960 solar system to completely isolate themselves, but then they won't get any net credit, 1062 01:25:19.039 --> 01:25:21.760 right, Yeah, but they don't need to because if they're not taking 1063 01:25:21.800 --> 01:25:26.520 power from the grid, Okay, worry about it. Okay. Now with 1064 01:25:26.640 --> 01:25:30.920 an off grid system, you are talking about a substantial battery investments. So 1065 01:25:30.960 --> 01:25:35.600 that's why most folks don't do it. So batteries would be for when what 1066 01:25:35.800 --> 01:25:43.239 percentage of the time in Colorado would we use battery drains? Thirty fifty? 1067 01:25:43.279 --> 01:25:45.880 What what do you do like all night? I mean, is it half 1068 01:25:45.920 --> 01:25:50.560 the time? What when do you use batteries? Yeah, so the battery 1069 01:25:50.560 --> 01:25:55.920 itself to keep it healthy has to drain down to forty percent every day anyways, 1070 01:25:56.000 --> 01:25:58.880 But you don't necessarily need that. That's just going to be extra value 1071 01:25:58.880 --> 01:26:02.119 that you're adding in your net. If you're Excel Territory and you're in town, 1072 01:26:02.199 --> 01:26:05.520 you probably will never use your batteries except for maybe once or twice a 1073 01:26:05.600 --> 01:26:09.399 year. If you're in the mountains, you might be using it once a 1074 01:26:09.439 --> 01:26:13.399 week. Excel just came out with a new that's if you're on the grid 1075 01:26:13.760 --> 01:26:15.439 that's if you're on the grid. If you're off the grid, when would 1076 01:26:15.439 --> 01:26:19.159 you use it half the time every day? You would need it every night 1077 01:26:19.479 --> 01:26:23.359 every night of course, yeah. And would you have enough to sustain you 1078 01:26:23.399 --> 01:26:25.720 all night? Yeah, you would. We would build it that way. 1079 01:26:26.960 --> 01:26:31.720 And ever do people ever do generators in addition to a batteries? Yeah? 1080 01:26:31.760 --> 01:26:35.840 I think generators are a great add on. And when you do generators, 1081 01:26:36.279 --> 01:26:41.640 are you allowed to do gas or diesel generators or are they getting strict about 1082 01:26:41.680 --> 01:26:45.520 that? No, you can use whatever generator you'd prefer. And honestly, 1083 01:26:45.520 --> 01:26:47.680 if you connect the generator to the battery, that's the easiest way to do 1084 01:26:47.760 --> 01:26:53.279 it. So the generator is powering the battery supply to go into your home, 1085 01:26:53.319 --> 01:26:57.840 and then you need less batteries. Okay, So you keep the batteries 1086 01:26:57.960 --> 01:27:01.399 charged and the generator is a backup, so you have fuel, you have 1087 01:27:01.640 --> 01:27:05.560 battery, and you have sun yep, and then the grid at the last 1088 01:27:05.720 --> 01:27:10.920 resort, yeah, if you want to, okay, And then do they 1089 01:27:10.960 --> 01:27:15.279 have if you're on natural gas, do they have generators that run on natural 1090 01:27:15.319 --> 01:27:20.479 gas? Yeah? There are really, Yeah. Absolutely. Generak is our 1091 01:27:20.520 --> 01:27:26.439 favorite generator company to utilize and they've got all three. They've got solar, 1092 01:27:26.520 --> 01:27:30.239 they've got propane, and they've got natural gas generators. What do you mean 1093 01:27:30.239 --> 01:27:36.199 solar gener You mean it's powered by solar panels. They there's polar panels that 1094 01:27:36.239 --> 01:27:42.119 pop up out of the generator and actually power the generator itself. Oh my 1095 01:27:42.199 --> 01:27:45.000 gosh. Really yeah, it's wild, so you don't have any fuel in 1096 01:27:45.039 --> 01:27:48.479 the generator. But then, okay, all right, three, all three, 1097 01:27:48.640 --> 01:27:53.279 seven, one three, eight two five five. We have more coming 1098 01:27:53.359 --> 01:27:58.279 up and and any kind of question, problem or complaint. And again I 1099 01:27:58.319 --> 01:28:03.319 want to tell you about denver re dot com. They are doing a number 1100 01:28:03.359 --> 01:28:10.399 of things, but one thing is this weight loss compounding for pennies on the 1101 01:28:10.439 --> 01:28:14.560 dollar compared to the brand names, and their business is going like crazy. 1102 01:28:15.439 --> 01:28:17.560 You can get chrzeppetide, which is the latest and greatest, or you can 1103 01:28:17.600 --> 01:28:25.920 get semiglutide denverregen dot com includes all doctors, consultations and the drug itself for 1104 01:28:26.039 --> 01:28:34.560 just a few hundred bucks a month. That's denverregen dot com. Go with 1105 01:28:34.640 --> 01:28:39.840 a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a 1106 01:28:39.920 --> 01:28:46.119 cent until you're content. Time for an insurance check. Up free no obligation. 1107 01:28:46.159 --> 01:28:50.640 In comparison, call Compass Insurance paying too much your coverage at dozens of 1108 01:28:50.640 --> 01:28:55.239 insurance companies find out now three all three seven to seven to one. Help 1109 01:28:55.399 --> 01:28:59.199 You'll think you're his only customer when you choose Frank durand the real estate Man 1110 01:28:59.239 --> 01:29:02.760 dot Com. List your home with Remax Alliance three all three nine to zero 1111 01:29:02.840 --> 01:29:13.800 sixteen twenty two. Hi, Tom Martino, your troubleshooter three O three seven 1112 01:29:13.880 --> 01:29:17.079 one three talk three all three seven one three eight two five five. I 1113 01:29:17.119 --> 01:29:21.479 don't know if you guys talked about this earlier, Dragon or not. I'm 1114 01:29:21.479 --> 01:29:27.840 not sure what time the decision came down, but or maybe everyone talked about 1115 01:29:27.840 --> 01:29:34.000 it already. But the case on the UH, the case on the documents, 1116 01:29:34.359 --> 01:29:41.279 the UH it was dismissed against Trump for classified documents. Yeah, I 1117 01:29:41.279 --> 01:29:43.600 think that came down roughly a ond eight thirty or so. Are time. 1118 01:29:43.720 --> 01:29:47.439 Yeah, incredible. So they're saying that part of it had to do with 1119 01:29:47.560 --> 01:29:56.000 the UH inappropriate appointment of Jack Smith as a prosecutor. Correct, So they 1120 01:29:56.000 --> 01:29:59.920 didn't look at the merits of the case at all, as I gather, 1121 01:30:00.119 --> 01:30:03.600 Yes, because if you think about it, the immunity would go into that 1122 01:30:03.720 --> 01:30:09.159 case as well. If he said, as president he took official acts to 1123 01:30:09.640 --> 01:30:15.800 declassify or classify that kind of would the immunity ruling would have gone into that 1124 01:30:15.880 --> 01:30:20.800 as well. I mean, you know, but what's amazing to me is 1125 01:30:20.840 --> 01:30:28.760 how in this case they chose to prosecute him but not Biden for essentially the 1126 01:30:28.800 --> 01:30:32.479 same exact thing. But I guess they said Biden cooperated with them more. 1127 01:30:33.119 --> 01:30:39.359 I don't know the official reasoning other than he was a kindly old man who 1128 01:30:39.399 --> 01:30:42.279 would get the sympathy of a jury. I mean, well, it's obvious 1129 01:30:42.359 --> 01:30:45.640 Joe Biden is a good guy and Orange man bad is Orange man bad. 1130 01:30:46.079 --> 01:30:48.800 Yeah, I guess that's what it is. But anyway, that case has 1131 01:30:48.840 --> 01:30:53.640 been dismissed, and you said that came down early this morning. That's major 1132 01:30:53.720 --> 01:31:02.000 news. But what's really weird is that special counsel who they said was improperly 1133 01:31:02.039 --> 01:31:09.520 appointed is also in on. Isn't in also in on that other indictment in 1134 01:31:09.600 --> 01:31:17.000 Georgia for election interference? I don't is that just or is that just the 1135 01:31:17.039 --> 01:31:25.960 district attorney Fanny with and Fanny's case seems to be losing ground as well. 1136 01:31:27.039 --> 01:31:30.039 For that's pretty much put on hold, right, Well, yeah, because 1137 01:31:30.439 --> 01:31:34.119 you know he supposedly was acting as president. But I will say this, 1138 01:31:34.239 --> 01:31:41.880 and this is for sure. This is for sure, and that is that 1139 01:31:42.079 --> 01:31:47.399 the whole attitude of both candidates, and also the emails I'm getting now from 1140 01:31:47.439 --> 01:31:53.359 Biden Harris have really cooled down compared to what they were. I mean, 1141 01:31:53.560 --> 01:31:58.079 I was reading some stuff that just literally shocked me. I mean, I 1142 01:31:58.159 --> 01:32:00.640 swear to God, and in fact, you know what, I even thought, 1143 01:32:00.199 --> 01:32:04.000 I really thought this. I thought, I don't think Biden and Harris 1144 01:32:04.119 --> 01:32:09.439 personally would allow this, some of the things they were saying. They had 1145 01:32:09.479 --> 01:32:15.760 one bullet points list. If President Trump is elected. One, he will 1146 01:32:15.760 --> 01:32:19.199 become dictator on day one. He is pledged to be a dictator. Number 1147 01:32:19.239 --> 01:32:23.560 Two, he will do away with the US He will fight to do away 1148 01:32:23.600 --> 01:32:29.840 with the US Constitution. Three, there will no longer be presidential elections. 1149 01:32:30.600 --> 01:32:34.840 He is the most dangerous man in history, in US history. He cannot 1150 01:32:35.159 --> 01:32:40.199 we have to do everything we can to stop him. And that he will 1151 01:32:40.520 --> 01:32:45.720 assassinate his political enemies with complete immunity. I mean, they all of this 1152 01:32:45.800 --> 01:32:47.720 is in writing out there, by the way, they can't even deny it. 1153 01:32:48.279 --> 01:32:50.840 I mean, I swear to God. When you get emails like that, 1154 01:32:51.279 --> 01:32:55.720 I can see where someone a little unbalanced would think, you know, 1155 01:32:55.760 --> 01:32:59.880 I'm doing the country of service by getting rid of them, really truly? 1156 01:33:00.880 --> 01:33:02.640 Uh? Anyway, three three seven, one, three eight, two five 1157 01:33:02.800 --> 01:33:06.079 five, what's on your mind today? We do have a red Rocks roof 1158 01:33:06.079 --> 01:33:09.920 and solar with us, and I wanted to talk about a few other things 1159 01:33:09.960 --> 01:33:14.039 in the news, and one of them is, of course you know what 1160 01:33:14.239 --> 01:33:17.279 happened there and what's going on with the news. But we have a new 1161 01:33:17.359 --> 01:33:24.840 report out on I'm trying to find those stories on dependability of used cars. 1162 01:33:24.880 --> 01:33:28.359 Now, I know it's not car Day, but it's really important because what 1163 01:33:28.399 --> 01:33:32.960 they did was they went through a ton of stories on what is the uh, 1164 01:33:33.279 --> 01:33:40.039 what is the most dependable used car? And how much does it cost 1165 01:33:40.079 --> 01:33:45.000 to maintain used cars? And what are the worst used cars? And they 1166 01:33:45.039 --> 01:33:50.920 came with a list of the used cars to avoid based on they say statistics. 1167 01:33:51.840 --> 01:33:57.359 Now this is Consumer Reports, by the way, they unveiled its list 1168 01:33:57.479 --> 01:34:04.079 of sixty used cars to avoid, they said after scouring data from its members. 1169 01:34:05.079 --> 01:34:15.680 Now remember this is by members who say their experience would dependability was and 1170 01:34:15.439 --> 01:34:24.399 this does not match which is important. This does not match what my experts 1171 01:34:24.439 --> 01:34:31.000 say here. It says Ford and Chevy are the most guilty parties as far 1172 01:34:31.079 --> 01:34:42.520 as reliability. My mechanics say that they are really really good Fords and Chevyes. 1173 01:34:43.000 --> 01:34:49.520 So I don't understand that. But Ford and Chevy each had seven vehicles 1174 01:34:49.560 --> 01:34:58.319 on the list, and according to Consumer Reports, the cars with the absolute 1175 01:34:58.439 --> 01:35:04.319 worst scores were the twenty twenty one Chrysler PACIFICA Hybrid, the twenty twenty one 1176 01:35:04.399 --> 01:35:10.399 Jeep Wrangler, the twenty twenty three Nissan Frontier. I'm surprised to see a 1177 01:35:10.479 --> 01:35:15.159 Nissan on there with the worst scores, the Rivian, the twenty twenty two 1178 01:35:15.239 --> 01:35:20.880 Rivian, and the twenty twenty one Volkswagen Jetta. And they said as far 1179 01:35:21.119 --> 01:35:28.960 as bad manufacturers for evs, god, there are a number of them, 1180 01:35:29.199 --> 01:35:33.840 a number of EV's that are supposedly bad news among them, as you would 1181 01:35:33.840 --> 01:35:40.479 think. Yes, Tesla is on there as well. So it's you know, 1182 01:35:40.640 --> 01:35:44.760 like I've always said, Consumer Reports now and I'm telling you they don't 1183 01:35:44.840 --> 01:35:47.920 really necessarily talk to a lot of experts or do a lot of surveys. 1184 01:35:48.680 --> 01:35:53.880 They do surveys for consumers. That's why it's Consumer Reports, and this is 1185 01:35:54.119 --> 01:35:59.359 solely on the experience of consumers and their experiences, which I think can be 1186 01:35:59.399 --> 01:36:04.039 pretty act. But I often I often say this consumers who have any problems 1187 01:36:04.439 --> 01:36:10.560 yell the most right, so it can be skewed for people who are angry, 1188 01:36:10.600 --> 01:36:13.720 then you might say, but still it tells you a story because the 1189 01:36:13.720 --> 01:36:18.079 ones more angry might have reason to be more angry. Now, in general, 1190 01:36:18.680 --> 01:36:28.319 Consumer Reports finds that evs in general are less reliable than conventional cars according 1191 01:36:28.399 --> 01:36:34.159 to their surveys. So think about that and if you want to know reliability 1192 01:36:34.159 --> 01:36:38.239 readings. Of course, I'm taking all this from Consumer Reports, which again 1193 01:36:38.720 --> 01:36:45.680 is based on owner surveys. There is no like magic uh matrix. No, 1194 01:36:45.840 --> 01:36:50.000 But Tom, I think Consumer Reports is excellent when they test products. 1195 01:36:50.760 --> 01:36:58.760 That's that's the real uh you know, strength and and okay, you know 1196 01:36:58.760 --> 01:37:00.399 when they say, what's the best fact you can clean up, what's the 1197 01:37:00.399 --> 01:37:04.399 best uh fry, what's the best Yeah, I imagine that they don't have 1198 01:37:04.439 --> 01:37:06.880 a dog in a fight. You're right, you're right, but that serial 1199 01:37:08.000 --> 01:37:11.640 forte. You know you're right about the uh the survey. But when it 1200 01:37:11.680 --> 01:37:15.600 comes to testing products, you can't beat them because like you say they had. 1201 01:37:15.680 --> 01:37:17.119 They don't have a dog in the fight, right, they don't accept 1202 01:37:17.159 --> 01:37:20.520 advertising at all, and all of that. Now. One thing though, 1203 01:37:20.600 --> 01:37:28.840 that that did bother me years ago about consumer reports. One thing the Suzuki. 1204 01:37:29.479 --> 01:37:32.359 Remember that little Suzuki suv that rolled over right, Yeah, okay, 1205 01:37:32.520 --> 01:37:40.239 Well the problem with that is that they really did not compare it to others 1206 01:37:40.319 --> 01:37:44.880 that were similar, and and what I and and what. The way that 1207 01:37:45.079 --> 01:37:49.239 started was somebody there who worked there owned to Suzuki and had a problem and 1208 01:37:49.279 --> 01:37:54.520 then they I feel this was back years and years and years ago. It 1209 01:37:54.560 --> 01:37:59.760 doesn't speak to them right now. I feel like they went after Suzuki specifically 1210 01:38:00.119 --> 01:38:04.279 because of an of an employee there who wanted to go after them. I 1211 01:38:04.680 --> 01:38:11.119 don't. They weren't really substantially any worse than the Ford, Bronco and all 1212 01:38:11.159 --> 01:38:15.119 of those. Again, I don't. I remember at the time thinking it 1213 01:38:15.199 --> 01:38:17.600 was unfair. I can't really to be fair. I can't tell you why 1214 01:38:18.119 --> 01:38:23.720 exactly, but it was a it was a number man, that little Suzuki 1215 01:38:23.800 --> 01:38:28.720 suv that they did. And then over the years, of course, I 1216 01:38:28.760 --> 01:38:31.159 think in general they're very dependable. I mean, who can say they're not 1217 01:38:31.359 --> 01:38:35.479 right? They're they're uh, you know they are, and most of their 1218 01:38:35.520 --> 01:38:40.920 stuff is driven by surveys and as far as they're testing of products, as 1219 01:38:40.960 --> 01:38:44.840 I said, they're not behooving. They're not you know. They don't have 1220 01:38:45.399 --> 01:38:49.600 any advertisers they have to please, and they're able to say what they like 1221 01:38:49.640 --> 01:38:54.199 and don't like, and they don't care, and so I think that's important. 1222 01:38:54.359 --> 01:38:57.520 Anyway, We have more coming up on the Troubleshooter Show three zero three, 1223 01:38:58.079 --> 01:39:00.560 seven to one to three talks seven to one, three eight, two 1224 01:39:00.600 --> 01:39:06.600 five five. We have a Brook White with us from redrocksars dot com and 1225 01:39:06.840 --> 01:39:12.000 uh, don't forget. If you have any kind of problems, questions or 1226 01:39:12.000 --> 01:39:15.800 complaints, you can give us a call at three oh three Martino twenty four 1227 01:39:15.800 --> 01:39:18.399 to seven and get help at any time. Leave your name and number and 1228 01:39:18.439 --> 01:39:28.239 we will call you back right after this. Go with a sure thing Denver's 1229 01:39:28.279 --> 01:39:31.640 Best roofer Excel Roofing dot com. You don't pay a cent until you're content. 1230 01:39:35.000 --> 01:39:39.199 Time for an insurance check up free, no obligation. In comparison, 1231 01:39:39.319 --> 01:39:44.399 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 1232 01:39:44.439 --> 01:39:47.000 now three oh three seven seven to one help. You'll think you're his only 1233 01:39:47.079 --> 01:39:50.880 customer when you choose Frank durand the real estate man dot Com to list your 1234 01:39:50.920 --> 01:39:58.439 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi 1235 01:39:58.640 --> 01:40:02.680 Tom Martino your troubleshooter or three all three seven one three talk three all three 1236 01:40:02.760 --> 01:40:10.039 seven one three A two five five All right? Guess what when it comes 1237 01:40:10.119 --> 01:40:15.800 to college education, do you know that in a survey of college graduates, 1238 01:40:16.840 --> 01:40:24.920 this isn't crazy, thirty six percent said they're using their degree or it was 1239 01:40:24.960 --> 01:40:31.680 worth it thirty six percent. Wow. Is it shocking that it's higher than 1240 01:40:31.720 --> 01:40:36.039 I thought? Is it higher than you thought? No, that is higher 1241 01:40:36.119 --> 01:40:42.000 than what I thought they would say. Is that shocking? I don't know, 1242 01:40:42.119 --> 01:40:45.960 man, I thought more people than that would say they got something out 1243 01:40:45.960 --> 01:40:49.760 of their education, don't you. I'm not lower, to be honest with 1244 01:40:49.800 --> 01:40:53.720 you, with all the different kind of I have a history arts major. 1245 01:40:54.279 --> 01:40:57.000 What are you doing that with that in the real world? And it says 1246 01:40:57.039 --> 01:41:02.079 that now these are the students themselves, let alone, Let alone America right 1247 01:41:02.119 --> 01:41:10.319 now? And Gallup and the Lumina Foundation did some surveying and found that no, 1248 01:41:10.319 --> 01:41:15.000 no, actually, I'm sorry thirty six percent of all adults say that 1249 01:41:15.159 --> 01:41:19.000 they got little or nothing out of their college or no, excuse me. 1250 01:41:19.119 --> 01:41:23.640 Thirty six percent said I'm sorry, they liked their college thirty two So the 1251 01:41:23.680 --> 01:41:29.640 majority said they don't have confidence in their education. So that's fifty seven percent. 1252 01:41:30.039 --> 01:41:33.760 So much from fifty seven percentage CLUBB. I think it shows up in 1253 01:41:33.880 --> 01:41:41.399 other ways. All My husband's in that IT industry, and he always talks 1254 01:41:41.439 --> 01:41:45.279 about how his degree is just a piece of paper. He learned way more 1255 01:41:45.359 --> 01:41:49.159 on the job doing experience times. Most colleges are outdated what they're teaching anyway. 1256 01:41:49.239 --> 01:41:54.439 Yeah, I mean he learned what colebalt, which is from the forties. 1257 01:41:54.479 --> 01:41:57.239 I mean, are the only people that still use that as John dere 1258 01:41:57.319 --> 01:42:00.920 so it's not even relevant. So I believe that stat. Most of the 1259 01:42:00.960 --> 01:42:04.439 folks that are my generation that I went to college with aren't using their degree. 1260 01:42:04.479 --> 01:42:10.920 They're in a different industry or it wasn't helpful now, So I think, 1261 01:42:12.920 --> 01:42:16.119 go ahead. I think she's right as far as specifics go. But 1262 01:42:16.159 --> 01:42:20.079 I think when you go through four years for college education, it makes you 1263 01:42:20.199 --> 01:42:26.199 more of a rounded person. It gives you a much better perspective on what's 1264 01:42:26.239 --> 01:42:30.640 going on around you and a greater understanding of the world, and it may 1265 01:42:30.640 --> 01:42:35.800 not be specific to your wellco where right now, sixty seven percent of respondent 1266 01:42:35.880 --> 01:42:43.640 say college is in the wrong direction, and compared to thirty one percent who 1267 01:42:43.640 --> 01:42:46.800 feels going in the right direction. And then the other people who say that 1268 01:42:46.920 --> 01:42:54.920 about they're not down on education, they're talking about college. I mean, 1269 01:42:54.960 --> 01:42:59.800 a lot of people are going for trades or for other training like real estate, 1270 01:42:59.840 --> 01:43:03.800 life licenses and other kinds of professional skills that don't require a degree. 1271 01:43:05.159 --> 01:43:09.720 So you know, and I say real estate license, that's one of them, 1272 01:43:09.960 --> 01:43:15.560 but there are several kinds of industries now where you have to take competency 1273 01:43:15.720 --> 01:43:20.319 tests but you're not required to have an underlying degree. And I know what 1274 01:43:20.319 --> 01:43:25.680 you're saying, Doc. That argument has been made time and time again about 1275 01:43:25.680 --> 01:43:29.720 college making you all around it. And I've always called it like a halfway 1276 01:43:29.760 --> 01:43:32.800 house. Kids get out and they get to live at a dorm or on 1277 01:43:32.840 --> 01:43:36.520 their own in an apartment with other kids, and it is a halfway house 1278 01:43:36.560 --> 01:43:44.680 to adulthood. Possibly, but in some cases I think it's artificial and kids 1279 01:43:44.800 --> 01:43:48.159 learn a lot of stuff that's not real. In my opinion, it turns 1280 01:43:48.199 --> 01:43:54.479 them a lot of times into idiots. I mean, I've talked to kids 1281 01:43:54.800 --> 01:43:59.760 who are pretty intelligent in high school that go off to college and get the 1282 01:44:00.039 --> 01:44:03.319 easiest ideas at college. I'm serious, but but I know what you mean. 1283 01:44:03.479 --> 01:44:08.359 I mean, in general, do you meet enough people over time with 1284 01:44:08.439 --> 01:44:12.800 an exchange of ideas? Uh? It is helpful in a way, but 1285 01:44:13.119 --> 01:44:17.119 that's a hell of a lot of money to spend to meet people and to 1286 01:44:17.159 --> 01:44:21.760 become well rounded. Anyway, we got more coming up on The Troubleshooter Show 1287 01:44:21.920 --> 01:44:26.119 three O three seven one three eight two five five. Go with a sure 1288 01:44:26.239 --> 01:44:30.720 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 1289 01:44:30.800 --> 01:44:38.359 you're contenth time for an insurance checkup free no obligation. In comparison, call 1290 01:44:38.439 --> 01:44:43.399 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 1291 01:44:43.479 --> 01:44:45.760 three O three seven to seven to one help. You'll think you're his only 1292 01:44:45.840 --> 01:44:49.680 customer when you choose Frank durand the real estate Man dot com to list your 1293 01:44:49.720 --> 01:45:00.720 home with Remax Alliance three oh three nine two zero sixteen twenty two. Ripped 1294 01:45:00.880 --> 01:45:09.880 up in need advice so you don't have come running is just as nass as 1295 01:45:09.880 --> 01:45:17.039 you can. Shooter's gonna help come Man Dix is the Troubleshooter Show Now, 1296 01:45:17.560 --> 01:45:26.279 Tom Martino, Hi, Tom Martino, Your Troubleshooter three O three seven one 1297 01:45:26.359 --> 01:45:30.760 three talk three O three seven one three eight two five five. Welcome to 1298 01:45:30.800 --> 01:45:35.800 the show. Here again to help you solve problems, answer questions, and 1299 01:45:35.840 --> 01:45:40.720 take complaints. I have brooked with me from a Red Rocks roof and solar. 1300 01:45:40.800 --> 01:45:45.239 We can do anything you want as far as topics and concerns. Right 1301 01:45:45.279 --> 01:45:48.399 now, Bob wants to talk about life insurance and we handle it all, 1302 01:45:48.439 --> 01:45:53.079 folks. Every day, aches and pains, the things that tick you off, 1303 01:45:53.119 --> 01:45:57.279 the things that make you tick. What's going on, Bob? Hey, 1304 01:45:57.319 --> 01:46:00.760 Tom, Hey, Bob, what's happening? Oh, it's just another 1305 01:46:00.800 --> 01:46:05.159 day in paradise. My wife and I are both in our seventies and probably 1306 01:46:05.159 --> 01:46:11.239 thirty five forty years ago. How about a life insurance policy. Far it's 1307 01:46:11.239 --> 01:46:16.439 a whole life variable premium life insurance, and it cost me not ten thousand 1308 01:46:16.479 --> 01:46:21.600 dollars, but the theory was the interesterned on that ten thousand would pay the 1309 01:46:21.680 --> 01:46:26.960 premiums, which it did for about twenty years. Right, and then at 1310 01:46:27.039 --> 01:46:31.479 such time it does not pay the premiums it takes cash value. Yeah, 1311 01:46:31.520 --> 01:46:36.880 so every year this thing is going up and up up. Last year was 1312 01:46:38.199 --> 01:46:41.840 four thousand, This year was five thousand. We thought we paid that. 1313 01:46:41.960 --> 01:46:44.520 Now we just got a letter saying no, no, no, your three 1314 01:46:44.560 --> 01:46:47.880 thousand more. Next year it's going up again. My question is is this 1315 01:46:48.079 --> 01:46:54.520 just normal policy or they jerking us around. Let's get Joe Kiano on. 1316 01:46:54.720 --> 01:46:59.000 He knows more about life insurance than he forgot, more about life insurance than 1317 01:46:59.000 --> 01:47:01.920 most people know. It could be either one. First of all, well, 1318 01:47:02.079 --> 01:47:05.199 let me put a tea. Really, I shouldn't say could be either 1319 01:47:05.239 --> 01:47:10.319 one. Most of the time, major insurance companies are not going to rip 1320 01:47:10.319 --> 01:47:13.239 you off, Okay, I mean they're not going to lie to you to 1321 01:47:13.319 --> 01:47:18.319 try to steal some money from you. But here's the deal. These life 1322 01:47:18.359 --> 01:47:24.319 insurance products all have benefits and they all have disadvantages. So it's both. 1323 01:47:25.520 --> 01:47:29.399 In your particular case, do you know what you really bought? Was it 1324 01:47:29.520 --> 01:47:34.359 really called was it called variable? What was it called? Actual product you 1325 01:47:34.399 --> 01:47:42.680 bought? Oh? Was it called that? Okay? Whole life? Okay, 1326 01:47:42.920 --> 01:47:46.560 whole life variable premium? Right? Correct? Correct? And how long 1327 01:47:46.640 --> 01:47:51.239 did you did you make a lump sum payment initially? Yeah, I was 1328 01:47:51.279 --> 01:47:59.960 like ten thousand okay. Then okay. Then when you made that payment, 1329 01:48:00.159 --> 01:48:03.880 did you make any other premium payments? Not for a long long time, 1330 01:48:03.920 --> 01:48:11.000 because every year interest starting paid the premium. Okay. Then when it stopped, 1331 01:48:11.399 --> 01:48:15.039 were you ever notified that the interest was no longer paying the premium? 1332 01:48:15.640 --> 01:48:20.840 Correct? Yes, probably fifteen eighteen years ago okay. And when that happened, 1333 01:48:20.880 --> 01:48:25.880 what did you do? Well, they started billing it stuck bea like 1334 01:48:25.960 --> 01:48:30.079 a thousand a year, and did you pay it? Right? And I'm 1335 01:48:30.079 --> 01:48:32.720 sorry? And did you pay No? No, everything's been paid okay. 1336 01:48:32.920 --> 01:48:39.880 So you didn't just let them say I'm sorry. You didn't just let it 1337 01:48:39.960 --> 01:48:46.520 sit back fifteen years ago, when your interest stopped paying the payment the premium, 1338 01:48:47.439 --> 01:48:53.359 did you you continued to make payments on your own right? Yes? 1339 01:48:53.520 --> 01:48:57.039 Yes, Well they sent us a bill annually and we paid the bill. 1340 01:48:57.600 --> 01:49:00.560 And on that bill, this is really important, that bill, did they 1341 01:49:00.680 --> 01:49:06.079 show a cash value and what the interest paid and then what was the balance 1342 01:49:06.199 --> 01:49:11.000 or did they show no longer did you have a cash value? No, 1343 01:49:11.119 --> 01:49:15.680 there was no cash balance when they started billing us. So your interest was 1344 01:49:15.800 --> 01:49:24.800 zero. It wasn't earning enough to pay the premium any longer. That that's 1345 01:49:24.840 --> 01:49:29.079 what I'm getting. But did it show didn't show? Did it show what 1346 01:49:29.119 --> 01:49:32.720 it was earning. No, they won't tell us anything. They won't tell 1347 01:49:32.760 --> 01:49:36.840 us anything about the policy. And another reason I'm calling you probably half a 1348 01:49:36.880 --> 01:49:42.159 dozen times they've tried to cancel us. They were wrong every time they've done 1349 01:49:42.159 --> 01:49:45.600 it, but they just kept playing these games with your head, and it's 1350 01:49:45.680 --> 01:49:48.000 just been a caution to fight with them. All right, So right now, 1351 01:49:48.319 --> 01:49:51.520 and I need all this for Joe Kiano, So I'm hoping you get 1352 01:49:51.560 --> 01:49:57.359 them on Kaschina right now. I'm asking these questions because he's going to want 1353 01:49:57.399 --> 01:50:00.680 to know. I want to know, do you do you have coverage right 1354 01:50:00.720 --> 01:50:04.720 now or are they lapsing it? No, we have coverage right now. 1355 01:50:04.760 --> 01:50:08.640 They tried again, they tried to lapse it again, but we followed them 1356 01:50:08.680 --> 01:50:13.960 and they've reinstated it. And how did you invite them? Well, what 1357 01:50:14.000 --> 01:50:16.359 they'll do, they'll tell you we sent you a notice of payment and you 1358 01:50:16.399 --> 01:50:19.279 didn't pay us, so you're canceled. Well, they didn't send us a 1359 01:50:19.319 --> 01:50:21.239 notice, and we go back and forth them, back and forth, and 1360 01:50:21.279 --> 01:50:25.640 Finally they go, oh, that's right. Maybe some of y'all didn't get 1361 01:50:25.640 --> 01:50:28.640 the notice. You're reinstated, you know, that's right, and okay, 1362 01:50:28.680 --> 01:50:31.159 but what about this three thousand they said was due? What was that? 1363 01:50:32.119 --> 01:50:36.199 Well, they're just saying that we paid them almost five thousand, which is 1364 01:50:36.239 --> 01:50:40.560 what we thought we owed for the year. Thirty days before the end of 1365 01:50:40.560 --> 01:50:42.520 the year comes up. They don't, No, that's not enough. You 1366 01:50:42.600 --> 01:50:45.760 owe us twenty nine hundred more, three thousand more or whatever. So basically, 1367 01:50:46.720 --> 01:50:51.399 basically, back when the money ran out, the interest stopped paying the 1368 01:50:51.439 --> 01:50:59.039 premium. What was your premium yearly? Normally about what it was only it 1369 01:50:59.079 --> 01:51:03.880 was only like a thousand, But recently you said it went way up. 1370 01:51:04.720 --> 01:51:08.399 However, year it's going up and up and up and open. That's my 1371 01:51:08.479 --> 01:51:12.159 only question is is that the way this policy works. That's what I'm going 1372 01:51:12.199 --> 01:51:15.920 to ask Joe Cannon. I got Joe Sanno. Okay, hold on, 1373 01:51:15.239 --> 01:51:20.319 Joseph Cano. In addition to doing fixed index annuities, they do overfunding whole 1374 01:51:20.359 --> 01:51:25.720 life. But the products he has are are different from what you're talking about. 1375 01:51:25.720 --> 01:51:30.560 He doesn't mess with a lot of these what I call tricky insurance policies, 1376 01:51:30.600 --> 01:51:32.399 but he certainly knows about him. So, Joe, are you listening 1377 01:51:32.520 --> 01:51:38.600 Joe? Years ago? How many years ago did you start the policy? 1378 01:51:38.680 --> 01:51:43.560 Bob? Probably a good thirty five forty years ago, okay, So Joe, 1379 01:51:43.640 --> 01:51:46.239 about thirty five forty years ago, as you heard, he starts a 1380 01:51:46.359 --> 01:51:55.760 variable premium life insurance policy with a lumpsum payment of about ten grand. Then, 1381 01:51:56.199 --> 01:52:00.560 for many years, the interest paid the premium. Am I right? 1382 01:52:00.600 --> 01:52:04.720 So far Bob? Correct? And then after how many years did they say, 1383 01:52:04.800 --> 01:52:11.239 okay, now you have to start paying again. I'm roughly probably twenty 1384 01:52:11.319 --> 01:52:14.800 years a little bit more so. For twenty years, Joe, that ten 1385 01:52:14.880 --> 01:52:18.159 grand seemed to generate enough income to pay us premiums. Then they said you 1386 01:52:18.199 --> 01:52:21.840 have to start paying again. And so back about twenty years ago, he 1387 01:52:21.920 --> 01:52:27.600 starts paying one thousand dollars a year to three two thousand and three thousand. 1388 01:52:27.680 --> 01:52:31.680 And now your last premium payment was how much? Well, it started out 1389 01:52:31.680 --> 01:52:35.279 at five thousand, but they want three thousand more. Okay, So, 1390 01:52:35.479 --> 01:52:40.560 and so to renew next year? When will it be another eight grand? 1391 01:52:40.640 --> 01:52:43.199 You know? Or will it even go up more? Be more? It 1392 01:52:43.239 --> 01:52:45.039 will be more? Okay, Joe? Tell us it'll be more. And 1393 01:52:45.079 --> 01:52:51.119 what's the name of the company. It originally started with great West and somebody 1394 01:52:51.159 --> 01:52:54.439 else has taking them over, and I don't know the name they've Joe, 1395 01:52:54.439 --> 01:52:58.640 do you know about these policies? Is this how they work? Did they 1396 01:52:58.680 --> 01:53:01.840 do? Tom? You know? And you know what is your your college 1397 01:53:02.239 --> 01:53:06.760 first name? Bob? Bob? Yeah, you know. Unfortunately, those 1398 01:53:06.760 --> 01:53:13.479 policies are what they call variable life insurance policies. Then, is that you 1399 01:53:13.600 --> 01:53:18.000 either have a variable universal life or just a variable life. Now, what 1400 01:53:18.000 --> 01:53:24.119 it means is that the policy is made up of two elements. You have 1401 01:53:24.159 --> 01:53:30.279 a cash value element and you have a death benefit element. Okay, Now, 1402 01:53:30.319 --> 01:53:35.399 unfortunately, you know, we're getting older, so your cost of insurance 1403 01:53:35.920 --> 01:53:40.960 on those type of policies will go up every year the older. Yet, 1404 01:53:41.680 --> 01:53:46.640 so if you're only paying the minimum premium payment into the policy, they're going 1405 01:53:46.720 --> 01:53:51.119 to ask for more, for more money. And eventually what happens with those 1406 01:53:51.159 --> 01:53:57.159 policies, you know, people cannot afford to keep them. So it's almost 1407 01:53:57.199 --> 01:54:02.600 Joe, isn't it almost like having terms turned with a cash account? Basically 1408 01:54:03.399 --> 01:54:08.399 so, but his cash account, what happened to his original ten grand was 1409 01:54:08.439 --> 01:54:13.680 it exhausted, probably with the course of are you paying only the minimum premium 1410 01:54:13.600 --> 01:54:16.800 above or are you paying more than what they're asking you to pay? No, 1411 01:54:16.960 --> 01:54:20.359 we're just paying what they're askings to pay. Okay, So that that 1412 01:54:20.479 --> 01:54:25.920 is basically the minimum payment. So that announce show a lot like a term 1413 01:54:26.000 --> 01:54:30.800 policy that it is. It is a term policy with a cash writer on 1414 01:54:30.920 --> 01:54:35.680 it. So basically, so it's a lot other than if every year I'd 1415 01:54:35.720 --> 01:54:40.640 have been putting more money into that policy, I wouldn't have this problem today, 1416 01:54:41.199 --> 01:54:45.399 that is right, that's right, And you would have had some cash 1417 01:54:45.640 --> 01:54:48.399 accumulation. Yeah. But and to the and by the way, I don't 1418 01:54:48.439 --> 01:54:54.199 love these policies. Neither does Joe. But to their defense, you did 1419 01:54:54.239 --> 01:54:59.000 go about twenty years without paying a premium, right correct? Right? See? 1420 01:54:59.000 --> 01:55:01.800 So so joh, basically, you know, the cost of insurance was 1421 01:55:01.920 --> 01:55:05.880 covering because of your age, you know, I mean, your cash was 1422 01:55:05.960 --> 01:55:10.479 covering the cost of insurance because of your younger age. So but I got 1423 01:55:10.479 --> 01:55:13.600 an idea, Joe. I want to ask you a question. And I 1424 01:55:13.640 --> 01:55:15.439 didn't call Joe for this reason, Bob, I swear to God I didn't. 1425 01:55:15.439 --> 01:55:18.560 But Bob, you may not want to keep this policy, is what 1426 01:55:18.600 --> 01:55:23.239 I'm saying, if you have no cash value, tell me the benefit Joe 1427 01:55:23.439 --> 01:55:27.039 for him keeping it? Is it because now that he has it, they 1428 01:55:27.039 --> 01:55:30.319 can't take it away? Or what what would be the benefit of keeping it 1429 01:55:30.640 --> 01:55:33.199 if the cost gets so expensive? Well, you know, if you were 1430 01:55:33.319 --> 01:55:39.840 to change the policy, Bob is going to costing more money because you're older, 1431 01:55:39.880 --> 01:55:43.880 probably now than you will. How old you now, Bob? Well, 1432 01:55:43.920 --> 01:55:46.640 tell my wife, she's seventy six. It's her policy, and she's 1433 01:55:46.680 --> 01:55:50.560 seventy six, so it would be really hard to get her a policy. 1434 01:55:50.680 --> 01:55:56.079 Joe, Let's ask you this. What is the what is the death benefit? 1435 01:55:56.119 --> 01:56:00.199 Bob? Two and fifty? Oh my god, two hundred and fifty 1436 01:56:00.239 --> 01:56:04.760 thousand. So, Joe, what would a term policy cost a seventy six 1437 01:56:04.840 --> 01:56:10.880 year old woman for two point fifty? I can calculate of all that, 1438 01:56:11.079 --> 01:56:13.960 you know. But the thing is, so we have to be realistic, 1439 01:56:14.000 --> 01:56:17.439 you know, because since we get older, our insurability goes down. So, 1440 01:56:17.680 --> 01:56:21.560 of course, depending on her health. Is she a healthy woman, 1441 01:56:23.439 --> 01:56:27.880 Yeah, she's pretty healthy. Yes, mother, Is is it worth keeping 1442 01:56:27.880 --> 01:56:30.239 the policy? That's what we're trying to figure out. That's exactly so, 1443 01:56:30.319 --> 01:56:33.520 Bob, Hey, hang on, this can be fifteen thousand a year after 1444 01:56:33.560 --> 01:56:36.680 that? Pretty sure? Okay, hang on, I have to that make 1445 01:56:36.720 --> 01:56:40.800 any money? No, I get it, Joe, I want you to 1446 01:56:40.840 --> 01:56:44.199 do some figuring. He has a two hundred and fifty thousand dollars death benefit. 1447 01:56:44.319 --> 01:56:47.239 She's seventy six years old. Is it worth him going on with this? 1448 01:56:47.399 --> 01:56:51.359 Or what else can he look at? If anything? And sometimes that 1449 01:56:51.760 --> 01:56:56.960 you don't. Sometimes people don't need insurance. It depends on what you're ensuring, 1450 01:56:57.039 --> 01:57:00.880 Bob. If you think you need her and her income for some reason, 1451 01:57:00.199 --> 01:57:03.840 you may not need insurance on her. I know that sounds weird, 1452 01:57:03.880 --> 01:57:08.680 but not everyone needs insurance. You hang on, Joe is gonna do some 1453 01:57:08.800 --> 01:57:16.000 calculating. We'll talk about it. Coming right up. Go with a sure 1454 01:57:16.119 --> 01:57:20.640 thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until 1455 01:57:20.640 --> 01:57:28.199 you're content. Time for an insurance check up free, no obligation. In 1456 01:57:28.239 --> 01:57:32.560 comparison, call Compass insurance paying too much your coverage at dozens of insurance companies 1457 01:57:32.640 --> 01:57:36.079 find out now three all three seven seven to one help. You'll think you're 1458 01:57:36.119 --> 01:57:41.000 his only customer When you choose Frank durand the real estate Man dot com to 1459 01:57:41.079 --> 01:57:45.760 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 1460 01:57:53.039 --> 01:57:58.039 Hi Tom Martino, your troubleshooter three all three seven one three talk three 1461 01:57:58.039 --> 01:58:00.640 oh three seven one three eight two five five. So we're talking to Bob, 1462 01:58:00.840 --> 01:58:03.960 who, by the way, like a lot of people end up paying 1463 01:58:04.000 --> 01:58:06.840 for stuff, okay, And I was just talking to brook Off the air. 1464 01:58:06.920 --> 01:58:11.239 Companies do it, individuals do it. People do it. It's called 1465 01:58:11.319 --> 01:58:13.920 not minding the story. You just figure, you know, I need this, 1466 01:58:14.039 --> 01:58:17.319 let me do it. And in some cases people pay for insurance. 1467 01:58:17.600 --> 01:58:21.960 And Joe Keanu is our insurance expert on a lot of stuff, including life 1468 01:58:23.000 --> 01:58:28.399 insurance. But Joe, the sad fact is, I bet you you run 1469 01:58:28.439 --> 01:58:33.880 into a lot of seniors who have life insurance policies they paid for years and 1470 01:58:33.960 --> 01:58:38.560 years and years, and they're really not even worth having. I mean, 1471 01:58:38.720 --> 01:58:42.640 let's just be honest about it. That is absolutely right. A lot of 1472 01:58:42.680 --> 01:58:46.479 people, you know, maybe they just you know, they get sold basically 1473 01:58:46.520 --> 01:58:53.720 into the wrong policy of the wrong reasons. And the universal life has that 1474 01:58:54.800 --> 01:58:58.439 danger. Yes, if you don't get the right kind. Now now, 1475 01:58:58.680 --> 01:59:01.199 most not all life insuranance is good. Not all life insurance is bad. 1476 01:59:01.520 --> 01:59:08.039 There's a time for term. There's a time for investment grade policies, there's 1477 01:59:08.079 --> 01:59:11.520 a time for you know. I would say, of all of them, 1478 01:59:11.600 --> 01:59:15.840 Joe, variable is my worst kind. I don't like this. It is 1479 01:59:15.920 --> 01:59:20.479 any kind of variable universal life or any universal life, and particularly they have 1480 01:59:20.600 --> 01:59:28.439 that component of the term insurance. And this is why with universal or with 1481 01:59:28.520 --> 01:59:32.399 some variables, they're considered almost a security, right, and they're not. 1482 01:59:33.439 --> 01:59:39.279 Yeah, it's not, which means it's not a guaranteed product. That is 1483 01:59:39.399 --> 01:59:45.600 right. Whenever somebody talks securities, it's not guaranteed. So that's why variable 1484 01:59:45.720 --> 01:59:51.000 nuity is a security. Fixed indextinuities are not securities because they're guaranteed right. 1485 01:59:51.199 --> 01:59:56.600 Right. So now with Bob, with what he's paying ten, it could 1486 01:59:56.640 --> 02:00:00.439 be eight ten, fifteen thousand, she said, seventy six she gets a 1487 02:00:00.479 --> 02:00:04.239 two hundred and fifty thousand dollars payout, or he does, or whoever does 1488 02:00:04.960 --> 02:00:09.119 is it? What have you found? Did you do your number crown? 1489 02:00:09.560 --> 02:00:13.960 Yeah? What I found, Bob is that you know, in a frankness, 1490 02:00:14.000 --> 02:00:16.000 I think you should keep what you have. I hate to say that. 1491 02:00:16.840 --> 02:00:20.880 You know what it would cost you over twenty thousand a year to ensure 1492 02:00:20.960 --> 02:00:27.479 your wife for two hundred and fifty thousand dollars. So it's the cheapest option 1493 02:00:27.640 --> 02:00:30.560 now that it's in place, right, I mean it's the cheapest. I 1494 02:00:30.600 --> 02:00:32.800 mean if you right, you know, whatever you're paying right now is not 1495 02:00:32.920 --> 02:00:40.079 twenty thousand a year, right right, it's it's Bob, what is it 1496 02:00:40.319 --> 02:00:44.159 you're saying? You eight thousand just in money that we need. It's something 1497 02:00:44.239 --> 02:00:46.560 we were just going to lead you to the kids, So I need to 1498 02:00:46.600 --> 02:00:50.279 go forward with it. No, you don't, you don't, you don't. 1499 02:00:50.760 --> 02:00:54.720 You don't need to do that, if you know, most people buy 1500 02:00:54.840 --> 02:00:59.119 those type of policies when they have a family that's growing up, like little 1501 02:00:59.199 --> 02:01:01.439 children exactly. Just in case, sir, Bob, I want to ask 1502 02:01:01.479 --> 02:01:04.840 you something. How much income do you and your wife have right now? 1503 02:01:04.880 --> 02:01:10.039 Income wise? I wish not much, just seventy eighty thousand. But we 1504 02:01:10.079 --> 02:01:13.039 have no bill, We don't know anybody any Okay, but let me explain 1505 02:01:13.079 --> 02:01:16.960 something. In your estate. There's a reason I'm asking do you what is 1506 02:01:17.000 --> 02:01:21.319 your estate worth? What you own, not what you make, what you 1507 02:01:21.359 --> 02:01:28.319 own probably seven to fifty something like that. Okay. What I'm saying to 1508 02:01:28.359 --> 02:01:31.800 you is, Bob and your kids how many kids do you have? I 1509 02:01:31.840 --> 02:01:40.119 have two kids both then okay? And how old are they they're in their 1510 02:01:40.199 --> 02:01:45.239 forties. Are they successful? Yes, they don't need this money. Then 1511 02:01:45.560 --> 02:01:48.479 here's what I was going to say, Bob, and I mean this sincerely. 1512 02:01:49.159 --> 02:01:54.680 I would say to my two kids, if you want to continue paying 1513 02:01:54.680 --> 02:01:58.680 the premium, we'll leave it to you as beneficiaries. If not, we're 1514 02:01:58.720 --> 02:02:00.840 not going to pay it anymore. I mean, if you if they want 1515 02:02:00.880 --> 02:02:04.239 to pay it, that would be an option for them to decide, because 1516 02:02:04.279 --> 02:02:08.479 you were going to leave it to them. Anyway. If you have your 1517 02:02:08.479 --> 02:02:12.439 house paid for her, no bills and seventy eighty thousand, that's a big 1518 02:02:12.520 --> 02:02:17.119 portion of your income for nothing, and I would recommend if I were talking 1519 02:02:17.159 --> 02:02:23.159 to you, I would recommend that unless you needed that payout. And by 1520 02:02:23.199 --> 02:02:28.279 the way, do you have insurance? Bob? Yes? Okay? What 1521 02:02:28.439 --> 02:02:32.439 kind do you have? You know? I stilln't even know? Is about 1522 02:02:32.439 --> 02:02:36.000 one hundred thousand. It's older than I am, but it's still there. 1523 02:02:36.359 --> 02:02:41.239 How much do you pay on it? I don't pay anything on it. 1524 02:02:41.800 --> 02:02:44.359 How do you know it's still in force? Me? What it is? 1525 02:02:44.399 --> 02:02:46.479 I don't have any idea. How do you know? It's still in force, 1526 02:02:46.600 --> 02:02:50.880 Bob, because I get notices from him every year. Good, good, 1527 02:02:51.279 --> 02:02:54.479 You know what you ought to do, and I swear to God, 1528 02:02:54.920 --> 02:02:58.359 Joe won't try to sell you anything, not a thing. He just told 1529 02:02:58.399 --> 02:03:00.880 you. If you want to ensure her, just keep what you have. 1530 02:03:00.199 --> 02:03:03.279 But you ought to call him off the air. He's a good man. 1531 02:03:03.479 --> 02:03:08.279 He'll just talk to you and he won't try to sell you a thing because 1532 02:03:08.439 --> 02:03:11.800 you're at an age now where you don't need anything right now. You have 1533 02:03:11.920 --> 02:03:15.359 good income, you have a good life. I'm telling you you're wasting some 1534 02:03:15.479 --> 02:03:20.239 money here, Bob. You are well here. Here's our other thought. 1535 02:03:20.359 --> 02:03:24.439 And what you said was exactly what we were talking about them paying it. 1536 02:03:24.640 --> 02:03:28.000 But I don't I don't want to give him shot paying fifteen twenty thousand a 1537 02:03:28.079 --> 02:03:32.199 year. We were thinking about just putting to eight thousand in a savings account, 1538 02:03:32.279 --> 02:03:36.239 canceling his policy. Right with your passors, they just get that you 1539 02:03:36.279 --> 02:03:42.880 could do that too. Yeah. You know a lot of wealthy people they 1540 02:03:42.960 --> 02:03:46.399 use life insurance, you know, to transfer their you know, their not 1541 02:03:46.520 --> 02:03:50.319 their wealth, but to create a legacy for the children. It's like almost 1542 02:03:50.399 --> 02:03:56.399 like a real kind of a morbid you know, thought. But a lot 1543 02:03:56.439 --> 02:04:01.199 of the kids are buying policies on their parents and grandparents because they know even 1544 02:04:01.239 --> 02:04:05.920 if to day fifteen thousand a year your lotivity you know, you're seventy six 1545 02:04:06.000 --> 02:04:10.119 years old. Basically, Hey, shut up, Joe, I know, 1546 02:04:10.239 --> 02:04:14.439 let me just think about that. I'm gonna last that long basically, so 1547 02:04:14.520 --> 02:04:15.960 they're going to have a great return. If they're going to get two hundred 1548 02:04:15.960 --> 02:04:20.439 and fifty thousand dollars death, then it's correct. Yeah, but listen, 1549 02:04:20.640 --> 02:04:25.680 you can leave that choice to then, Bob. But but that that much 1550 02:04:25.760 --> 02:04:30.640 money you guys can live on, that is that's not a bad idea. 1551 02:04:30.760 --> 02:04:34.840 If you put that money away. Okay, let's say you guys have ten 1552 02:04:34.880 --> 02:04:39.520 more good years to you. Okay, if you put seven or eight grand 1553 02:04:39.560 --> 02:04:43.119 away every year, or however you want to do it, or ten grand 1554 02:04:43.159 --> 02:04:46.319 a year, that would be a substantial amount of money. And again I'm 1555 02:04:46.319 --> 02:04:49.720 not trying to sell you anything. But even if you did that in a 1556 02:04:49.760 --> 02:04:54.399 fixed annuity, I mean, that would that would be something to leave them 1557 02:04:54.439 --> 02:04:58.000 that would generate income. But I'm not saying to do that. I am 1558 02:04:58.039 --> 02:05:00.920 not saying to do that. I'm saying that there there are a lot of 1559 02:05:01.079 --> 02:05:05.399 other better things to do with your money than pay for this piece of crap 1560 02:05:05.560 --> 02:05:12.359 variable life insurance. Well, you know, we say it's a piece of 1561 02:05:12.359 --> 02:05:15.560 crap, but it you know, it's protected here for forty years. So 1562 02:05:15.279 --> 02:05:18.560 no, no, you're you're absolutely right. And if you looked at the 1563 02:05:18.600 --> 02:05:23.600 total money you put in, you're right. You probably got a hell of 1564 02:05:23.640 --> 02:05:27.239 a deal because you put ten in to begin with, and then you put 1565 02:05:27.239 --> 02:05:30.399 another. If you looked at all in how much have you paid since inception 1566 02:05:30.720 --> 02:05:36.000 for forty years, probably in the last fifteen to twenty years, we've probably 1567 02:05:36.039 --> 02:05:40.520 paid thirty thirty grand, and then you add to a ten. So for 1568 02:05:40.560 --> 02:05:45.039 fifty grand, let's say you got forty years of coverage. That's not terrible. 1569 02:05:45.239 --> 02:05:48.159 That it's not bad. No, it's not. And so it's really 1570 02:05:48.239 --> 02:05:51.000 up to you if you want to continue it. Like I said, there's 1571 02:05:51.079 --> 02:05:55.640 nothing all good or all bad about anything. I mean, you really have 1572 02:05:55.680 --> 02:06:00.239 to be reasonable here. I used to be an absolute person. Don't do 1573 02:06:00.279 --> 02:06:02.640 this. Do this. There's no such thing. As you get older, 1574 02:06:02.680 --> 02:06:08.279 you realize that. But I'm just not sure if you can't put that money 1575 02:06:08.319 --> 02:06:13.600 to better use, unless you think she might die within five or ten years, 1576 02:06:13.680 --> 02:06:17.560 it would be well worth to continue it. Yeah, she's got at 1577 02:06:17.600 --> 02:06:21.079 least another good ten twelve years. She's in good help. Yeah, it's 1578 02:06:21.119 --> 02:06:27.279 really up to you because at some point you're putting in another If that's the 1579 02:06:27.359 --> 02:06:30.520 case, you're going to be putting in more than one hundred and twenty five 1580 02:06:30.640 --> 02:06:34.079 hundred and fifty thousand for two fifty So it may not be worth it. 1581 02:06:34.119 --> 02:06:41.000 And that's the whole idea about life insurance. They design it so you don't 1582 02:06:41.039 --> 02:06:45.159 make the money they do. Yeah, Joe, right, I'm saying the 1583 02:06:45.279 --> 02:06:49.000 reason I had an issue was that I'd say, they kept trying to cancel 1584 02:06:49.079 --> 02:06:51.760 us, so I didn't know whether they're playing games. I didn't know what 1585 02:06:51.800 --> 02:06:55.319 it was. But what do you say makes sense? We just have to 1586 02:06:55.319 --> 02:06:58.960 decide how we're going to handle it, or let your kids take on the 1587 02:06:58.960 --> 02:07:02.399 burden as like it's kind of morbid, But it's an investment. I swear 1588 02:07:02.439 --> 02:07:05.479 to god. They might say, you know, dad, we'll each pay 1589 02:07:05.520 --> 02:07:10.720 half of that. Who knows what they'll say, Okay, and you're also 1590 02:07:10.760 --> 02:07:14.279 going to leave him yours too, so they're gonna have that on top of 1591 02:07:14.319 --> 02:07:17.399 it. So this is something you get together as a family and you do. 1592 02:07:17.680 --> 02:07:21.359 By the way, do you have and I'm not trying to I'm really 1593 02:07:21.399 --> 02:07:25.640 not trying to sell all my sponsors, but do you have an estate plan? 1594 02:07:25.800 --> 02:07:31.359 Do you have a basic plan? No, you need a basic will. 1595 02:07:32.760 --> 02:07:36.319 You need a simple with basic will. Okay, good, that's really 1596 02:07:36.359 --> 02:07:40.720 all you need, I mean really truly with what you have and what you 1597 02:07:40.800 --> 02:07:44.439 describe. A basic will would probably take care of that. And just make 1598 02:07:44.439 --> 02:07:47.760 sure it's updated, Bob, Just make sure everything is updated. Go with 1599 02:07:47.840 --> 02:07:53.039 a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a 1600 02:07:53.079 --> 02:08:01.399 cent until you're content. Time for an insurance check up, freegation comparison call 1601 02:08:01.520 --> 02:08:05.479 Compass Insurance Paying too much your coverage at dozens of insurance companies find out now 1602 02:08:05.520 --> 02:08:09.359 three all three seven seven to one help. You'll think you're his only customer 1603 02:08:09.399 --> 02:08:13.039 when you choose Frank durand the Real estate Man dot com to list your home 1604 02:08:13.239 --> 02:08:24.399 with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom 1605 02:08:24.399 --> 02:08:30.199 Martino, your troubleshooter three all three seven one three talk three oh three seven 1606 02:08:30.239 --> 02:08:33.000 one three eight two five five. Okay, omah or z Uma, we 1607 02:08:33.079 --> 02:08:39.800 had you on the show before and you have a follow up. So I'm 1608 02:08:39.840 --> 02:08:43.880 looking for your original call here and who worked with you on our staff here? 1609 02:08:43.880 --> 02:08:46.760 Oma? Uh, let's see, it was oh, no One. 1610 02:08:46.920 --> 02:08:52.439 I told you you had Blue Ribbon Construction, right, and it was in 1611 02:08:52.520 --> 02:08:56.840 fall of twenty twenty one. Your roof was fixed, but you had interior 1612 02:08:56.920 --> 02:09:01.600 damage that was not fixed. And then you said you're insurance. This was 1613 02:09:01.760 --> 02:09:07.800 very confusing to me. You said your insurance contractor sued your insurance company and 1614 02:09:07.880 --> 02:09:15.279 got a settlement, right right. But I never understood that because that insurance 1615 02:09:15.319 --> 02:09:20.760 that Blue Ribbon Construction Company had no standing to sue your insurance company unless they 1616 02:09:20.760 --> 02:09:24.840 claimed they did work for you that they didn't get paid for. So I 1617 02:09:24.880 --> 02:09:28.319 asked you to find out some information for me. What did you find out? 1618 02:09:30.479 --> 02:09:37.000 I sent all the paperwork in on July seventh to your Yeah, I 1619 02:09:37.039 --> 02:09:39.920 got some I got that paperwork, but we were waiting to hear from you. 1620 02:09:41.319 --> 02:09:45.560 Did you talk to them since you talked to us or not? No? 1621 02:09:46.479 --> 02:09:48.760 Okay, Uma, I might be misunderstanding then, I'm sorry, dear, 1622 02:09:50.159 --> 02:09:54.359 you were expecting us to contact them. No. I wanted to ask 1623 02:09:54.399 --> 02:10:00.000 you what I can do. You see, my daughter is a quadruphage. 1624 02:10:00.079 --> 02:10:03.960 She got out of the hospital Friday. Yes, it's Friday until twelve. 1625 02:10:05.039 --> 02:10:09.640 We have no kitchen, think, we have no kitchen counters. You know, 1626 02:10:09.960 --> 02:10:13.640 we can't take care of her. Okay, No, we have no 1627 02:10:13.760 --> 02:10:18.039 light in the hallway. Let me get this straight. Though, your insurance 1628 02:10:18.079 --> 02:10:24.159 company claims they paid for all of that. Is that right? Yes? 1629 02:10:24.720 --> 02:10:28.479 Yes, but you didn't get the money. It went directly to Blue Ribbon 1630 02:10:28.560 --> 02:10:33.840 Construction. Is that correct? Yes? And when you call Blue Ribbon Construction 1631 02:10:33.319 --> 02:10:37.399 and you tell them, hey, I see where you got money for this, 1632 02:10:37.800 --> 02:10:43.159 what do they say about it? Or they just keep putting stuff off 1633 02:10:43.359 --> 02:10:46.319 like I said, Okay, okay, I'm sorry. Here's what we're going 1634 02:10:46.399 --> 02:10:52.520 to do. It never came or fixed anything. Okay. So this morning 1635 02:10:52.960 --> 02:10:56.680 the supervisor called me and said they're going to try to be here this coming 1636 02:10:56.760 --> 02:11:00.840 Wednesday. Hey, Bo, is Bo around? Is he still there? 1637 02:11:00.880 --> 02:11:05.840 Bow? You still run? Bo? Listen? Listen, bro Bo knows 1638 02:11:05.840 --> 02:11:11.439 a lot about the construction industry. Bo. I want you to try to 1639 02:11:11.479 --> 02:11:16.800 help her with this. Blue Ribbon Kachina can give you a copy of the 1640 02:11:16.840 --> 02:11:20.520 email. I'll call him Tom. But here's the deal. I got the 1641 02:11:20.560 --> 02:11:24.439 emails. I think Kachina still has them. But here's the bottom line, 1642 02:11:24.720 --> 02:11:31.079 and that is that Blue Ribbon, from what I can see, actually did 1643 02:11:31.119 --> 02:11:35.520 get a settlement from her insurance company. What I find odd. This is 1644 02:11:35.520 --> 02:11:37.840 what I find odd. Bo. I don't know how the hell they got 1645 02:11:37.840 --> 02:11:41.840 standing to do it. I think she had to sign over the claim to 1646 02:11:41.880 --> 02:11:48.439 them, so they got paid, but they didn't finish the job. So 1647 02:11:48.600 --> 02:11:52.760 that's what you're going to find out in this work, is that they did 1648 02:11:54.439 --> 02:11:58.119 get paid. Now they got to finish it. She has a quadriplegic daughter 1649 02:11:58.199 --> 02:12:03.560 they can't take care of, you know, Oma, I'm so sorry that 1650 02:12:03.640 --> 02:12:07.399 I didn't pass this on to someone sooner. I'm sorry I misunderstood and thought 1651 02:12:07.439 --> 02:12:11.880 you were going to contact Blue Ribbon. So Bo, if you could call 1652 02:12:11.920 --> 02:12:16.199 Blue Ribbon and get the bottom line on this, it would really help. 1653 02:12:16.439 --> 02:12:20.479 This has been going on since fall of twenty twenty one. I will call 1654 02:12:20.560 --> 02:12:22.439 this afternoon. Thank you, Thank you thinking. Hey, Oma, you're 1655 02:12:22.479 --> 02:12:26.439 in good hands now. Bo. Speaking of you, did you say you 1656 02:12:26.479 --> 02:12:28.079 had a follow up? Did I get a texture from you earlier saying you 1657 02:12:28.119 --> 02:12:31.600 had a follow up? Yes, it was. Let me go back to 1658 02:12:31.680 --> 02:12:37.119 my notes. She called in last Thursday, her name is Lorie. At 1659 02:12:37.119 --> 02:12:43.800 the twelve o'clock hour, her son was living in a hotel slash apartment building 1660 02:12:43.840 --> 02:12:46.680 and they haven't had hot water for eight yes, yes, yes, yes, 1661 02:12:46.720 --> 02:12:50.520 he's going through a divorce. She's paying for the hotel and it's temporarily 1662 02:12:50.520 --> 02:12:54.359 in a hotel with no hot water. Right. So I called the management 1663 02:12:54.399 --> 02:12:58.840 company that day, and I made a couple of calls the following day. 1664 02:12:58.039 --> 02:13:03.039 They just would not They would not call me back at all. So I 1665 02:13:03.119 --> 02:13:09.319 went ahead and called Xcel Energy, gave them the address, and they had 1666 02:13:09.319 --> 02:13:13.239 the work order to go over there and turn on the gas, but no 1667 02:13:13.319 --> 02:13:20.079 one from this Denver West End hotel ever called them to come out. So 1668 02:13:20.199 --> 02:13:22.960 I just told them that they need to gas turned on. If the work's 1669 02:13:22.960 --> 02:13:26.840 done, would you please go over there and turn it on. They turned 1670 02:13:26.840 --> 02:13:31.399 on the gas on Saturday, and it, oh, man, what what 1671 02:13:31.640 --> 02:13:35.279 idiots that they dropped the ball? What was the name of that motel, 1672 02:13:35.760 --> 02:13:45.600 Denver West End Hotel at seventy one to fifty West Coalfax there's goofballs west Coal 1673 02:13:45.680 --> 02:13:48.439 Facts. I mean, that's too bad. And you were able to get 1674 02:13:48.439 --> 02:13:50.159 it done and all they had to do was make a phone call. They 1675 02:13:50.279 --> 02:13:54.159 just had to make a call and initiate an order to come turn on the 1676 02:13:54.239 --> 02:14:01.600 gas because the contractor whatever the gas league was, was completed by the It's 1677 02:14:01.640 --> 02:14:05.600 a motel, isn't it. It's they call it a hotel. I think 1678 02:14:05.640 --> 02:14:09.560 there's thirty units over there. Okay, so everybody's got hot water. Now, 1679 02:14:09.439 --> 02:14:13.760 that is so the show. Okay, hold on, I you know 1680 02:14:13.800 --> 02:14:16.319 what, I don't know if my dinger is even working today, but I 1681 02:14:16.319 --> 02:14:20.119 haven't been hot. It could be too hot, but I'm gonna I'm gonna 1682 02:14:20.119 --> 02:14:26.720 give it a try right now. Hold on, this absolutely deserves now where 1683 02:14:26.760 --> 02:14:31.680 the heck? Ok there it goes, there we go. Yeah, so 1684 02:14:31.720 --> 02:14:35.399 we got my dinger. We got more coming right up. I'm Tom Martino. 1685 02:14:39.600 --> 02:14:43.920 Hi, Tom Martino here three O three seven to one three talk seven 1686 02:14:43.960 --> 02:14:48.439 one three eight two five five. Welcome to the show. And don't forget 1687 02:14:48.439 --> 02:14:52.640 Denver Regen dot com. In addition to Semaglue, Tide and Turzepetide for weight 1688 02:14:52.720 --> 02:14:56.680 loss on a fraction of the cost you pay for the name brands, they 1689 02:14:56.720 --> 02:15:03.520 also do stem cell therapy Denver Regen dot com. Okay, so we are 1690 02:15:03.640 --> 02:15:07.560 getting toward the end of the show. I have Redrocks roof and solar with 1691 02:15:07.640 --> 02:15:11.720 us and that's Redrosars dot com. So I want to talk to this. 1692 02:15:11.960 --> 02:15:16.119 We get a lot of interest in this REAP program. Ore EAP. Is 1693 02:15:16.119 --> 02:15:20.920 that what it's called? Okay? So REAP is for commercial systems, right, 1694 02:15:22.720 --> 02:15:26.239 commercial or AG? Can you explain how it works and how people can 1695 02:15:26.239 --> 02:15:28.760 make money with them, like like the people businesses who put it in, 1696 02:15:30.039 --> 02:15:33.479 and how they can actually get it all paid for? Yeah, So any 1697 02:15:33.640 --> 02:15:39.239 business or AG project, automatically it's sixty three point nine percent of the project 1698 02:15:39.279 --> 02:15:43.600 paid for regardless, that's between all sixty three point four percent. Is that 1699 02:15:43.680 --> 02:15:46.319 with credits to Yeah, that's your tax credits as well as your depreciation. 1700 02:15:46.800 --> 02:15:52.199 So well, and how long does it take to recoup depreciation? It's over 1701 02:15:52.279 --> 02:15:54.600 six years. Eighty percent of the depreciation is in year one and then you're 1702 02:15:54.640 --> 02:16:00.079 getting the other twenty percent over the next five years. So that automatically pays 1703 02:16:00.079 --> 02:16:05.000 for sixty then sixty percent roughly, right? And then what about grants? 1704 02:16:05.319 --> 02:16:07.520 Yeah, so the REP grant pays for half of the project. So if 1705 02:16:07.560 --> 02:16:11.439 you total those two things together, you're looking at one hundred and thirteen point 1706 02:16:11.520 --> 02:16:15.560 nine percent paid for. Okay, with government benefits, did you, And 1707 02:16:16.039 --> 02:16:22.399 the government doesn't mind even though you're getting tax credits and depreciation, they don't 1708 02:16:22.399 --> 02:16:26.600 mind paying half with money going in your pocket. They're looking at the install 1709 02:16:26.640 --> 02:16:31.600 agreement for the half, so they don't know your depreciation piece or your tax 1710 02:16:31.600 --> 02:16:33.719 credits are. And it's all legal and above board. Yeah, because if 1711 02:16:33.760 --> 02:16:37.399 it wasn't, I wouldn't be able to well of course, yeah, okay, 1712 02:16:37.559 --> 02:16:43.200 I don't look at an Orange. So if the system bottom line is 1713 02:16:43.239 --> 02:16:46.440 one hundred grand, yeah, sixty grand could be paid for and then half 1714 02:16:46.479 --> 02:16:50.600 of that fifty is paid for, So you're getting one hundred and ten grand 1715 02:16:50.600 --> 02:16:54.319 in your pocket. Yeah, and your system's completely paid for. Plus it's 1716 02:16:54.360 --> 02:16:58.799 generating free electricity. Yeah, then you're at your electric bill toos whatever those 1717 02:16:58.799 --> 02:17:01.360 savings. If you have a commercial system, you might want to check that 1718 02:17:01.399 --> 02:17:05.479 out. Redrocksars dot com three oh three seven zero four two four four nine. 1719 02:17:05.879 --> 02:17:09.840 That's Red Rocks Roof and Solar three oh three seven zero four two four 1720 02:17:09.879 --> 02:17:13.399 four nine. And don't forget to call me for help three oh three Martino, 1721 02:17:13.559 --> 02:17:13.920 save all your problems for me.