WEBVTT 1 00:00:00.480 --> 00:00:13.439 Y'all ripped up news, need advice? Who you don't have? Come running 2 00:00:13.679 --> 00:00:19.000 just as fast as we can shoot. That's gonna help coming, man. 3 00:00:19.839 --> 00:00:25.320 This is the Troubleshooter Show. No Tom Martino, Hey, Hey, hey, 4 00:00:25.440 --> 00:00:30.199 Tom Martino here three oh three seven one three talk seven one three eight 5 00:00:30.239 --> 00:00:35.280 two five five. What's on your mind today? I'd love to help you 6 00:00:35.320 --> 00:00:38.560 with a problem, a question of complain anything near and dear to your heart 7 00:00:38.640 --> 00:00:44.159 and pocketbook we talk about. There's nothing really off limits to talk about. 8 00:00:44.640 --> 00:00:48.240 If you'd like to talk, I'd love to have you call in. Today's 9 00:00:48.280 --> 00:00:51.000 a kind of a dreary day. We have a guest from the refer list 10 00:00:51.079 --> 00:00:54.520 here. We have guests on from time time. We have Jackson with us, 11 00:00:54.600 --> 00:01:00.200 Jackson. I've known Jackson for many, many years with k Guard and 12 00:01:00.280 --> 00:01:03.079 Jackson. Why don't you explain what you do? Well? Good morning, 13 00:01:03.120 --> 00:01:07.200 mister Martina. Thanks you call me Tom please. Sorry, I know I'm 14 00:01:07.200 --> 00:01:10.480 old, old, I'm through your grandfather, but you can still call me 15 00:01:10.599 --> 00:01:14.239 Tom. Yes, sir, well Tom, and keep the mic real close 16 00:01:14.280 --> 00:01:17.439 to your mouth there, Yeah, first time, so you forgive me, 17 00:01:18.200 --> 00:01:23.599 yes, sir well, just gutter protection. So at the end of the 18 00:01:23.680 --> 00:01:26.680 day, you have a few different options. You have screens, filters, 19 00:01:26.680 --> 00:01:30.480 and then hardcovers. Those hardcovers you've probably seen it on TV where the water 20 00:01:30.560 --> 00:01:34.760 rolls back against gravity all the hard material. Gut her helmet's a good example. 21 00:01:34.920 --> 00:01:38.040 That's exactly right. So there's only three companies that own the patent rights 22 00:01:38.079 --> 00:01:42.040 to that reverse curve. You have gutter helmet those, yes, sir, 23 00:01:42.159 --> 00:01:47.959 good one sorry tom so you have you have gutter helmet. You have is 24 00:01:48.040 --> 00:01:52.959 key guard the name of the system or the name of your company only both? 25 00:01:53.000 --> 00:01:55.120 Actually yes, sir, so, so who's the other one? You 26 00:01:55.159 --> 00:01:57.079 have to leave guard? Leaf guard? Now? Leaf guard, though, 27 00:01:57.159 --> 00:02:04.040 is the whole gutter. So gutter coil comes in at fifteen inches maximum and 28 00:02:04.599 --> 00:02:07.800 leaf guard owns the patent rights on turning that fifteen inches into a gutter and 29 00:02:07.840 --> 00:02:12.719 cover all in one. So are you a hole gutter? So ours is 30 00:02:12.919 --> 00:02:15.000 a yes, a hole gutter. And well, when you come into a 31 00:02:15.000 --> 00:02:19.879 house, you don't put the top on it like the screens or like a 32 00:02:20.000 --> 00:02:23.360 gutter helmet, you put the whole gutter up. Correct, So gutter helmet 33 00:02:23.360 --> 00:02:27.680 owns the patent rights on the curve that goes on top of a normal gutter. 34 00:02:28.159 --> 00:02:30.000 The only issue there is they go into the roof, so you may 35 00:02:30.039 --> 00:02:34.879 have some issues with roofing warranties. But with ours, it's a trough and 36 00:02:34.960 --> 00:02:38.360 a cover all built together, and then one gutter, yes sir, yes, 37 00:02:38.360 --> 00:02:42.840 sir, and it comes in four or five inches. It's actually this 38 00:02:43.039 --> 00:02:49.039 equivalent of a six inch okay yep. So leaf Guard was originally built back 39 00:02:49.080 --> 00:02:51.919 in the seventies, when your average gutter was a four or five inch, 40 00:02:52.280 --> 00:02:55.560 your average home was eighteen hundred, two thousand square feet. In today's world, 41 00:02:55.840 --> 00:02:59.680 those homes are much bigger. So if you think about your house, 42 00:02:59.719 --> 00:03:02.520 it's basically a giant net that catches everything out of the sky and then funnels 43 00:03:02.520 --> 00:03:07.120 all that water to three or four downspouts. Well, in order to hold 44 00:03:07.159 --> 00:03:09.319 that waters all the way through the system, you just need bigger gutters. 45 00:03:09.360 --> 00:03:14.240 No, no, I agree. But the people that would sell against you 46 00:03:14.280 --> 00:03:16.840 would say, why replace all your gutters when we can just cover them up? 47 00:03:17.360 --> 00:03:22.120 Absolutely? The better question is no. I like the idea. I'm 48 00:03:22.120 --> 00:03:23.479 going to say this right up front, not because you're here. I like 49 00:03:23.520 --> 00:03:27.800 the idea of the whole new system. I like it. I always have 50 00:03:27.919 --> 00:03:30.400 liked that idea. But then people would tell me, well, Tom, 51 00:03:30.479 --> 00:03:35.199 if they have perfectly good gutters, why do it well perfectly? It's probably 52 00:03:35.280 --> 00:03:38.639 a hard thing because number one, what beats gutters isn't water, it's ice. 53 00:03:38.919 --> 00:03:42.639 So as we put a bunch of weight on them, they pull on 54 00:03:42.719 --> 00:03:45.879 them and in between your brackets, the metal will start to give. And 55 00:03:45.919 --> 00:03:49.879 that's why when you look down you'll see the undulated gutters, the flowing gutters, 56 00:03:50.240 --> 00:03:53.840 and that's where you have. Yeah, and that's where on top of 57 00:03:53.879 --> 00:03:57.080 that, now you're going to go work on them putting on a cover. 58 00:03:57.400 --> 00:04:00.080 So those gutters aren't really perfect my name, you know what I mean? 59 00:04:00.879 --> 00:04:04.280 I like that. Now? Are they painted at the factory? Are they 60 00:04:04.319 --> 00:04:08.360 embedded with paint? Yes? Tom, So we don't have maintenance on that, 61 00:04:08.439 --> 00:04:10.960 right. Can you paint them if you want to, Yes, I 62 00:04:10.960 --> 00:04:14.599 wouldn't recommend it, not when you're powder coated or however baked on from the 63 00:04:14.639 --> 00:04:18.959 factory. Are they extruded as seamless Yes. On site, so we have 64 00:04:19.120 --> 00:04:24.639 a thirty five foot box truck that brings out the gutter machines. Yes. 65 00:04:24.720 --> 00:04:26.920 So if you have a long run, you don't have a bunch of seams. 66 00:04:27.040 --> 00:04:30.800 Yeah. Our longest is one hundred and eighteen feet down in color Springs 67 00:04:30.800 --> 00:04:32.639 cool seven. You guys, if you have any questions on that this is 68 00:04:32.720 --> 00:04:35.040 his season, I would imagine what are you do in the winter go to 69 00:04:35.079 --> 00:04:40.160 the beach? Yes, sir, yeah, so k guard. By the 70 00:04:40.199 --> 00:04:43.680 way, on the refer list, referless dot com, Ludmilla. I hope 71 00:04:43.720 --> 00:04:50.319 I'm saying that name right? Is it Ludmilla? Hello? Yes, Hey, 72 00:04:50.439 --> 00:04:54.240 that's a weird name. I mean in a nice way. What kind 73 00:04:54.240 --> 00:04:59.199 of name is that? Ludmilla? Russian? Russian? Okay, what's going 74 00:04:59.240 --> 00:05:03.959 on, Ludmilla, what's happening? Yes, but my children purchased a gift 75 00:05:04.000 --> 00:05:11.800 card flyne travel gift cards from Frontier Airlines yes and seven and it was supposed 76 00:05:11.800 --> 00:05:16.800 to be no fee, no expiration date. I tried to use it finally 77 00:05:17.879 --> 00:05:26.199 last year after numerous So it's a Frontier Airlines gift card, correct, And 78 00:05:26.319 --> 00:05:29.240 it's a travel gift card. I didn't know that. I didn't know they 79 00:05:29.279 --> 00:05:34.040 did those. Well, this is that way in two thousand and seven it 80 00:05:34.120 --> 00:05:39.279 was yeah, I mean that's a long time. So you you've had this 81 00:05:39.439 --> 00:05:44.160 since then, and let me guess you can't use it. I can't use 82 00:05:44.199 --> 00:05:49.120 it. I can use it on merchandise Frontier Airlines merchandise, but I'm not 83 00:05:49.160 --> 00:05:54.360 going to spend two on a hat. And let me ask you some of 84 00:05:54.399 --> 00:06:00.680 lue Miller. Originally it was for flight correct and I'm wondering, did is 85 00:06:00.720 --> 00:06:03.680 this the same? And I'm sorry to ask this and I should know it. 86 00:06:04.279 --> 00:06:11.000 But over the years, Frontier has had many forms. Is this the 87 00:06:11.040 --> 00:06:15.720 same company that sold those vouchers? Do you know are those gifts? Yes? 88 00:06:15.759 --> 00:06:18.720 It is, Yes, it is. It's the same Frontier Airlines. 89 00:06:18.839 --> 00:06:25.120 Okay, okay, service? All right? Now the terms and conditions when 90 00:06:25.160 --> 00:06:27.759 you bring it up to them, what do they say when you say, 91 00:06:27.800 --> 00:06:30.839 hey, why won't you honor it? I mean it's pretty clear. What 92 00:06:30.879 --> 00:06:35.279 do they say? Does it say it expires? I mean, to me, 93 00:06:36.199 --> 00:06:42.399 seven seventeen would have made it ten years, and then eighteen ninety we're 94 00:06:42.399 --> 00:06:46.759 talking about sixteen years, right, correct? And it was purchased my late 95 00:06:46.839 --> 00:06:50.480 husband passed away in two thousand and six, so my children bought it as 96 00:06:50.480 --> 00:06:54.240 a Christmas I get yeah, no, no, I get it. But 97 00:06:54.279 --> 00:06:58.680 what do the terms in? What do the terms and conditions do? It 98 00:06:58.759 --> 00:07:02.199 said no expiration dates and there was no fees because I was worried about the 99 00:07:02.279 --> 00:07:06.519 fees that you know how they have charge and they charge you monthly at fee 100 00:07:06.519 --> 00:07:10.240 and then you have to Does it say that right on the gift card? 101 00:07:10.399 --> 00:07:14.120 Does it say no? Expert? Does yes? I set that to your 102 00:07:14.199 --> 00:07:17.120 office in an email. Uh do do we have that? Susan? I 103 00:07:17.120 --> 00:07:19.800 want to look I'll email it to you. Yeah, she's going to email 104 00:07:19.800 --> 00:07:23.360 that to me. I want to take a look at it. I really 105 00:07:23.360 --> 00:07:30.120 do no expiration date, you know, I mean, I don't see how 106 00:07:30.120 --> 00:07:32.399 they get around it unless they say, well, you know, Tom, 107 00:07:32.439 --> 00:07:36.920 I mean it's been seventeen or however many years, it's still in my opinion, 108 00:07:38.879 --> 00:07:42.639 I mean, they don't put any kind of expiration. I want to 109 00:07:42.639 --> 00:07:44.560 look at it. Okay, hold on, all right, well we'll look 110 00:07:44.560 --> 00:07:46.480 at it. See. You know, why would Frontier do this? Why 111 00:07:46.480 --> 00:07:51.399 would they screw around for two hundred bus'd she say two hundred and seventy bucks 112 00:07:51.519 --> 00:07:57.560 or two forty two thirty whatever. Here's the thing, Ldmela. I agree 113 00:07:57.560 --> 00:08:03.759 with you. It sounds RINKYDNK to me. Three oh three seven one three 114 00:08:03.519 --> 00:08:07.759 talk seven one three eight two five five. Then that's in the studio here. 115 00:08:07.800 --> 00:08:11.040 Of course, you know we have three oh three Martino. You can 116 00:08:11.079 --> 00:08:15.759 call twenty four to seven. The good thing about that number, we will 117 00:08:15.839 --> 00:08:18.560 take your number and call you back. That's three oh three Martino three O 118 00:08:18.639 --> 00:08:24.439 three six two seven eight four sixty six. Lisa, Hi, Lisa, 119 00:08:26.160 --> 00:08:31.040 what's happening? Lisa? I need to take a client to small claims and 120 00:08:31.079 --> 00:08:33.440 I want to make sure do I just send it to the registered agent or 121 00:08:33.480 --> 00:08:37.519 do I send it to the owners at their home as well? Good question, 122 00:08:37.559 --> 00:08:39.720 Well, we'll go over it because, uh, we have gotten to 123 00:08:39.759 --> 00:08:43.080 be experts here because Mark has sued so many people in small claims court, 124 00:08:43.559 --> 00:08:48.080 which is a good thing because he won every time. We'll talk about that 125 00:08:48.120 --> 00:08:56.399 coming up on the Troubleshooter Show. Go with a sure thing Denver's Best Roofer 126 00:08:56.519 --> 00:09:03.679 Excel Roofing dot com. You don't pay a cent to your content. Time 127 00:09:03.720 --> 00:09:07.720 for an insurance checkup, free, no obligation comparison call Compass Insurance paying too 128 00:09:07.799 --> 00:09:13.080 much your coverage at dozens of insurance companies find out now three oh three seven 129 00:09:13.200 --> 00:09:16.840 seven to one help. You'll think you're his only customer when you choose Frank 130 00:09:16.919 --> 00:09:20.440 durand the Real Estate Man dot com to list your Home with Remax Alliance three 131 00:09:20.519 --> 00:09:26.720 oh three nine two zero sixteen twenty two. Hi Tom Martino here three three 132 00:09:26.879 --> 00:09:31.440 seven to one three talk. By the way, the Castle Rock Home Show 133 00:09:31.919 --> 00:09:37.120 it's going to be starting tomorrow. Today's Thursday, right at least it was 134 00:09:37.159 --> 00:09:43.519 when I woke up, So anyway, it's starting tomorrow at the Douglas County 135 00:09:43.519 --> 00:09:46.720 Fairgrounds. More than three hundred people. Are you are you you're going to 136 00:09:46.759 --> 00:09:50.440 be down there or no? We were in the Kiwa I'll lookay show and 137 00:09:50.480 --> 00:09:52.840 we just finished with the Evergreen. I think they're the same people and they're 138 00:09:52.879 --> 00:09:58.480 putting on one and they're really good one stop shop for to just go around 139 00:09:58.480 --> 00:10:01.080 and look at a bunch of stuff. And that's starting tomorrow at noon, 140 00:10:01.559 --> 00:10:05.080 the cash Rock Home Show at Douglas County Fairgrind. So it's kind of cool, 141 00:10:05.240 --> 00:10:09.879 Okay. Now Lisa wants to talk about small claims. So Lisa, 142 00:10:09.000 --> 00:10:13.440 out of curiosity, I'd like to ask what kind of business where you're suing 143 00:10:13.480 --> 00:10:16.039 a client? What? Because there are other ways to do this, I 144 00:10:16.120 --> 00:10:20.039 just want to go over it all. So what is the business? Own 145 00:10:20.120 --> 00:10:24.360 business? Were electrical contractors? Oh? Okay? And is this so you 146 00:10:24.480 --> 00:10:30.879 did work on a commercial building. Yes, replacement an overhead line that had 147 00:10:30.879 --> 00:10:33.919 been damaged. You know, you can put a lien on the property, 148 00:10:33.960 --> 00:10:37.039 which, in my opinion gets their attention. It's been too long. We 149 00:10:37.080 --> 00:10:41.159 did the work like in August, uh huh, and there is no other 150 00:10:41.240 --> 00:10:46.159 work that needs to be done to make it safe or perfect, like because 151 00:10:46.200 --> 00:10:48.919 it's four months from the last time you left the job. I'm not trying 152 00:10:48.960 --> 00:10:52.960 to be tricky, wink wink, but sometimes people find that, oh, 153 00:10:54.000 --> 00:10:56.559 you know, the inspector wanted us to do this, and then they didn't 154 00:10:56.600 --> 00:10:58.639 want to do it because they didn't get paid, And I tell them, 155 00:10:58.720 --> 00:11:03.159 go back, I can do it, so you can start your four months 156 00:11:03.159 --> 00:11:05.879 again. You see what I'm saying. But anyway, just in case the 157 00:11:05.919 --> 00:11:09.399 inspector ever said, you know, how about this or how about that, 158 00:11:09.879 --> 00:11:13.240 or there was something you didn't do because they weren't paying, you may want 159 00:11:13.279 --> 00:11:16.480 to do it just to get that extension. But having said that, if 160 00:11:16.519 --> 00:11:20.879 you if you're not going to lean the job, then small claims court would 161 00:11:20.919 --> 00:11:24.639 be one option. How much do they owe you a right around fifteen hundred. 162 00:11:24.879 --> 00:11:31.679 Okay, now, if they owe you fifteen hundred, that's a pretty 163 00:11:31.679 --> 00:11:35.440 good amount. And so I want to ask something though, why are they 164 00:11:35.480 --> 00:11:39.960 not paying? Are they claiming something is wrong? They won't talk to us. 165 00:11:39.960 --> 00:11:43.639 We've done two or th other jobs for them, and I have no 166 00:11:43.759 --> 00:11:50.080 clue what happened. Okay, and they won't talk to at all. No, 167 00:11:50.879 --> 00:11:56.440 that's weird. Okay, So small claims court, who did you contract 168 00:11:56.440 --> 00:12:00.679 with the entity itself? Right? The owner called? Were out of town 169 00:12:00.720 --> 00:12:05.480 and an employee had hit an overlying Okay, and when the employer the employer 170 00:12:05.600 --> 00:12:07.639 called, and you can prove you did the work because even if he said, 171 00:12:07.639 --> 00:12:11.200 well, we didn't have a contract, it doesn't matter. It's falls 172 00:12:11.240 --> 00:12:15.840 under what's called quantum quantum merrowit, which means they got the value and they 173 00:12:15.879 --> 00:12:20.159 didn't object. So you did the work. And then he called, So 174 00:12:20.399 --> 00:12:22.639 I would sue him, and I would sue his company. If you don't 175 00:12:22.639 --> 00:12:28.559 have a written contract, I would claim that he did. He requested the 176 00:12:28.600 --> 00:12:31.759 work personally and the company, so I would sue both of them in small 177 00:12:31.759 --> 00:12:37.600 claims court. So there are two separate forms. I believe. I believe 178 00:12:37.600 --> 00:12:41.600 that I can ask Mark, but I believe you can put both defendants on 179 00:12:41.600 --> 00:12:45.519 one form. But then you have to serve two different times. Okay, 180 00:12:45.759 --> 00:12:48.960 okay, So you can sue them both on one form I believe. But 181 00:12:48.000 --> 00:12:52.159 then you sue, then you serve too. So what you would do is 182 00:12:52.200 --> 00:12:56.120 you serve him personally wherever he is, if he's there, not you, 183 00:12:56.279 --> 00:13:01.159 but somebody like a process server or somebody not related. And then then you 184 00:13:01.200 --> 00:13:05.679 sue the registered agent of the corporate LLC. And it's most likely him, 185 00:13:05.840 --> 00:13:09.000 but you you know how to look that up on the Secretary of State site. 186 00:13:09.879 --> 00:13:13.240 I do. Okay, So do you have a registered agent separate from 187 00:13:13.240 --> 00:13:20.720 the owner his wife is to serve them both, and then you can ask 188 00:13:20.759 --> 00:13:24.480 for reasonable interest. You can ask for attorney's fees. Well you're not going 189 00:13:24.519 --> 00:13:28.960 to have any but minor collection fees. But like the cost of small claims 190 00:13:28.960 --> 00:13:33.279 court is what I'm saying. So another thing, if you want us to 191 00:13:33.799 --> 00:13:37.879 we don't mind calling and saying why aren't you paying this? Why aren't you 192 00:13:37.919 --> 00:13:41.279 paying these people? I mean, we do that all the time. Now, 193 00:13:41.320 --> 00:13:43.840 we're not a collection agy, don't get me wrong, But this is 194 00:13:43.879 --> 00:13:46.720 a consumer show. So if you're a small business, you're working with another 195 00:13:46.759 --> 00:13:52.000 small business, it's kind of it's kind of like consumer I mean, it's 196 00:13:52.039 --> 00:13:54.399 not like some giant contractor did work at the airport. Now we have to 197 00:13:54.399 --> 00:13:58.159 get them paid. You know what I'm saying. If you want us to 198 00:13:58.480 --> 00:14:01.600 no, I understand. So if ever you want us to do that, 199 00:14:01.960 --> 00:14:05.480 sus you can give that to her, give it to dollar if she wants 200 00:14:05.519 --> 00:14:09.919 to, you know. So, uh, let's do it. Three oh 201 00:14:11.000 --> 00:14:16.559 three seven one three talk three oh three seven one three eight two five five 202 00:14:16.519 --> 00:14:22.720 and lude, Milla, what was that? Let's see. Oh yeah, 203 00:14:22.799 --> 00:14:24.759 we're going to have to figure that out. Do I have it in my 204 00:14:24.799 --> 00:14:26.080 email right now? It should be in your email to Okay, I'm going 205 00:14:26.120 --> 00:14:28.720 to look at it right now. Did she tell you the date on that? 206 00:14:30.039 --> 00:14:33.120 Yeah? Two thousand and seven? Whoa, huh? I know, 207 00:14:33.240 --> 00:14:35.840 no, I we we know it's old. But still I'm looking at it, 208 00:14:37.000 --> 00:14:39.399 like, what fifteen years old? Yeah? But where's the she gave 209 00:14:39.440 --> 00:14:43.559 me a letter she didn't get Oh, where's the voucher? Scroll all the 210 00:14:43.559 --> 00:14:48.000 way to the last page. Okay, the voucher. Okay, but this 211 00:14:48.200 --> 00:14:50.799 was like, this is like an email, I don't it is like an 212 00:14:50.799 --> 00:14:54.879 email voucher. It has the voucher number, the pin number, okay, 213 00:14:54.919 --> 00:14:58.799 and it says mom, we love you so much. Yeah. Here it 214 00:14:58.879 --> 00:15:01.960 is the voucher and pen and then conditions there they are. Let mean, 215 00:15:03.039 --> 00:15:07.240 let me, I'm going to enlarge this screen. Okay, conditions for Frontier 216 00:15:07.399 --> 00:15:15.559 Airlines gift card. Gift cards have no value until activated at the time of 217 00:15:15.679 --> 00:15:18.960 purchase. Okay, what does that mean at the time of purchase? Did 218 00:15:20.200 --> 00:15:24.399 at the time they was this activated? I mean, I don't even let 219 00:15:24.399 --> 00:15:28.960 me ask her, Ludmilla, was this activated? Yes? It was. 220 00:15:28.519 --> 00:15:33.600 I knew exactly what it was, except where required by law. Gift cards 221 00:15:33.919 --> 00:15:39.759 will not be replaced if lost solar damage, nor can they be redeemed for 222 00:15:39.879 --> 00:15:48.919 cash. Have no expiration date. And then it says see Frontier Airline slash 223 00:15:48.919 --> 00:15:52.600 gift card for full term. Uh oh, I need to look at that 224 00:15:52.720 --> 00:15:54.559 part. That's what I need to look at. Did you look at that 225 00:15:54.679 --> 00:16:00.639 part? Yes, I did, and there was nothing that said an that's 226 00:16:00.679 --> 00:16:07.440 one more place I need to look. So I call that phone number and 227 00:16:07.480 --> 00:16:11.039 they're no longer there. So that's when I did corporate office. I get 228 00:16:11.080 --> 00:16:15.679 it. I get it. But what I'm saying is Frontier Airlines is still 229 00:16:15.720 --> 00:16:19.679 there and I'm wondering if they have them. So I'm going to go to 230 00:16:19.720 --> 00:16:26.039 Frontier Airlines dot Com and then you go slash whatever and then we'll see what 231 00:16:26.080 --> 00:16:30.080 it says. Yes, Susan, somebody's mentioning I think it's Chopper is saying 232 00:16:30.120 --> 00:16:33.279 on YouTube that is Frontier has been sold a couple of times, so well 233 00:16:33.320 --> 00:16:37.720 no, and we mentioned that, and can we mention that? But was 234 00:16:37.759 --> 00:16:41.960 it since seven? That's what he's saying. If that's the case, see, 235 00:16:41.000 --> 00:16:47.440 that's a problem too. So if there is another entity, all bets 236 00:16:47.440 --> 00:16:49.240 are off. I mean, if it is enough. But they didn't even 237 00:16:49.279 --> 00:16:55.639 try to make well what did they say, actually what exactly? They said? 238 00:16:55.639 --> 00:16:59.480 I could use a gift card in their store at the airline, But 239 00:16:59.559 --> 00:17:03.879 why did they say you couldn't use it? Yeah, they have no page 240 00:17:03.919 --> 00:17:08.480 that exists that says Frontier dot com slash gift cards. So what I'm going 241 00:17:08.559 --> 00:17:14.759 to have to do this is crazy. There's something called an archive of the 242 00:17:14.799 --> 00:17:18.079 Internet, and it's not going to matter what their terms and conditions are today. 243 00:17:18.599 --> 00:17:22.039 It's going to matter what they were when you bought it. And archive 244 00:17:22.119 --> 00:17:26.400 I believe it's archive of the Web, archive dot net, whatever it is. 245 00:17:26.440 --> 00:17:30.519 I got to find it and when I find it, because that's not 246 00:17:30.640 --> 00:17:36.880 it so we go to the web archive and then we look for those dates 247 00:17:37.240 --> 00:17:41.519 or close to that date. It's called the wayback machine. And I know 248 00:17:41.599 --> 00:17:44.960 this is weird because you go to the wayback machine, We're going to put 249 00:17:45.000 --> 00:17:48.400 in Frontier Airlines and then what we're going to find is what it looked like 250 00:17:48.519 --> 00:17:56.759 back then and hopefully that was that was put away and saved, so we'll 251 00:17:56.759 --> 00:17:59.880 see. You think it's different, is why would they allow me to use 252 00:17:59.920 --> 00:18:03.160 it in their store as well? Hold on, here's why I think. 253 00:18:03.359 --> 00:18:04.880 First of all, I think it's RinkyDink. They're giving you a hard time 254 00:18:04.920 --> 00:18:08.519 no matter what. I think it's stupid, even if they were sold. 255 00:18:08.640 --> 00:18:12.640 But here's why I think they're doing that. They're doing it. Let's just 256 00:18:12.759 --> 00:18:18.079 say the terms and conditions at the time, whatever whatever they were, and 257 00:18:18.119 --> 00:18:22.599 then yours is not valid. Okay. I'm just saying. If that's the 258 00:18:22.640 --> 00:18:29.319 case, then even then what they would have. What they're doing is they're 259 00:18:29.319 --> 00:18:32.559 probably saying, but we're going to still let you do it for merchandise. 260 00:18:32.799 --> 00:18:36.240 I'm not saying that's the case. Let's just figure it out. I'm going 261 00:18:36.319 --> 00:18:40.519 to look at what was on their site back in the early two thousands, 262 00:18:40.519 --> 00:18:45.160 and see if we can come up with something three zero three seven one three 263 00:18:45.240 --> 00:18:49.200 talk seven one three eight two five five. Waterpros dot net is the place 264 00:18:49.279 --> 00:18:55.319 for the best water in the world at your kitchen sink fourteen hundred bucks fully 265 00:18:55.400 --> 00:18:59.880 installed triple filter reverse osmosis. You never have to buy bottled water again if, 266 00:19:00.000 --> 00:19:02.440 in fact, I'm in the studio today and one of the things I 267 00:19:02.440 --> 00:19:06.400 don't like about coming into the studio is drinking this bottled water. I don't 268 00:19:06.400 --> 00:19:10.319 care what the name is because they're filled with crap and nanoplastics, And at 269 00:19:10.319 --> 00:19:12.799 home I can get the purest water you can two three oh three eight six 270 00:19:12.920 --> 00:19:22.920 two five five five four Go with a sure thing Denver's best roofer Excel Roofing 271 00:19:22.000 --> 00:19:29.480 dot com. You don't pay a cent until you're content. Time for an 272 00:19:29.519 --> 00:19:33.160 insurance check up free, no obligation. In comparison, call Compass Insurance paying 273 00:19:33.200 --> 00:19:37.240 too much your coverage at dozens of insurance companies find out now three oh three 274 00:19:37.440 --> 00:19:41.200 seven seven to one help. You'll think you're his only customer when you choose 275 00:19:41.200 --> 00:19:45.640 Frank durand the real estate Man dot com to list your home with Remax Alliance 276 00:19:45.880 --> 00:19:52.839 three oh three nine two zero sixteen twenty two. Hi Tom Martino here three 277 00:19:52.880 --> 00:19:59.440 oh three seven one three talk three O three seven one three eight two five 278 00:19:59.640 --> 00:20:04.240 five. I am having a tough time finding this the wayback machine. I'm 279 00:20:04.319 --> 00:20:10.319 kind of back there, but that one particular page, I'm not sure they 280 00:20:11.359 --> 00:20:14.440 bookmarked it. It's such a pain in the ass. She's had this since 281 00:20:14.440 --> 00:20:19.359 two thousand and seven, and again they're telling her she can use it only 282 00:20:21.240 --> 00:20:25.440 in the store. I will tell you this, Mela. We can't do 283 00:20:25.519 --> 00:20:29.039 this right now, but I'm going to have Deputy Chopper look at it because 284 00:20:29.039 --> 00:20:34.640 he emailed me about it. He says that Frontier has been sold since two 285 00:20:34.680 --> 00:20:41.000 thousand and seven a couple of times, which would mean that your gift cards 286 00:20:41.039 --> 00:20:47.880 are no longer valid. So I can assure you that when they sell entities, 287 00:20:48.680 --> 00:20:52.599 none of the obligations carry forward. Unless people are morons. They never 288 00:20:52.720 --> 00:20:56.920 ever structure a sell that way. Yes, we will take on all of 289 00:20:56.960 --> 00:21:00.960 your debt or all of your previous stuff. Don't do it. So I'm 290 00:21:00.960 --> 00:21:07.640 going to give this to sus Let's let Dak find out our deputy Chopper, 291 00:21:07.680 --> 00:21:10.319 Okay, to him. He's in Costa Rica for a couple of weeks. 292 00:21:10.359 --> 00:21:12.839 Did you know that he's in Costa Rica? Yeah, these jerks are all 293 00:21:12.880 --> 00:21:17.880 taking vacations. I'm the only one who's I mean, I'm the one who 294 00:21:17.880 --> 00:21:21.240 should be on the beach, not him. Do it time and then you 295 00:21:21.319 --> 00:21:25.279 and Mark. I mean, you know what. I just was talking to 296 00:21:25.319 --> 00:21:29.079 somebody the other day about it, and I said, maybe it's because I 297 00:21:29.160 --> 00:21:30.880 just love my life and what I do. I know it sounds corny, 298 00:21:30.920 --> 00:21:36.279 but I guess I should be retiring soon, right, I guess I should. 299 00:21:37.079 --> 00:21:38.759 Okay, you want to come in here, I'll leave. Please don't 300 00:21:38.759 --> 00:21:44.480 do that. Three h three seven one three talk seven one three eight two 301 00:21:44.599 --> 00:21:48.039 five five. I think I'd probably get up and start talking for four hours 302 00:21:48.079 --> 00:21:53.400 into the space and make believe of talking to people I don't know. Jackson's 303 00:21:53.440 --> 00:21:57.279 with us from k Guard and Jackson. I have a question from somebody who 304 00:21:57.319 --> 00:22:03.240 wants to know about these gutters. Do they come any bigger that you say 305 00:22:03.240 --> 00:22:07.680 it's equivalent to six inches? Well, excuse me, they didn't say bigger. 306 00:22:07.680 --> 00:22:10.480 What does that mean? Is it a six inch gutter? So the 307 00:22:10.519 --> 00:22:15.440 way a six inch cutter is designed is you're six inches at the widest point 308 00:22:15.480 --> 00:22:18.359 three and a half inches tall. And it tapers back to a four inch 309 00:22:18.359 --> 00:22:22.440 bottom. Ours is actually six and a quarter inches tall five and a half 310 00:22:22.480 --> 00:22:26.599 inches wide, and it's actually more volume. Yeah, more volume, more 311 00:22:26.680 --> 00:22:30.880 volume than a six inch yes, sir, yes, sir, okay. 312 00:22:30.920 --> 00:22:34.480 And ice damming usually anything with a cover on it is subject to ice damming. 313 00:22:34.559 --> 00:22:38.440 Sometimes, does this happen? Yes, So ice damming actually starts on 314 00:22:38.480 --> 00:22:42.079 the eaves. Yeah. So yeah, you have your thermal wall and then 315 00:22:42.079 --> 00:22:45.119 you have a soft the soffet has coal. They're bringing it up to the 316 00:22:45.279 --> 00:22:48.880 roof, and so it starts about a foot back. So you mean it's 317 00:22:48.920 --> 00:22:52.440 not because of gutter covers, No, not at all. Actually, it's 318 00:22:52.559 --> 00:22:56.880 just you see more icicles because usually with an open gutter, it fills up 319 00:22:56.920 --> 00:23:00.440 the trough first, so that with volume of ice yeah yeah, yeah, 320 00:23:00.480 --> 00:23:06.400 whereas a cover all covers, all ice goes over the top, right, 321 00:23:06.440 --> 00:23:08.920 So it looks like more ice. Yes, they don't produce the same amount 322 00:23:08.960 --> 00:23:12.680 of ice, yes, but it's just all on the outside. Correct. 323 00:23:14.400 --> 00:23:18.640 So instead of when you have an open gutter, ice back builds under your 324 00:23:18.640 --> 00:23:22.359 shingles, under your drip edge. And that's why code requires ice and water 325 00:23:22.400 --> 00:23:26.640 on the last two feet. Ice and water dam shield shield rightyep, under 326 00:23:26.640 --> 00:23:30.519 the roof. That's to protect your sawfets in the face aboard and all that 327 00:23:30.720 --> 00:23:33.960 eaves because ice does back up against you. Yeah, all covers push the 328 00:23:34.000 --> 00:23:38.079 ice forward with that little slope. But as a result, the byproduct is 329 00:23:38.279 --> 00:23:41.640 icicles. And that's where you see a lot of those zigzag heat cables on 330 00:23:41.680 --> 00:23:45.440 the edges. That's what they're trying to prevent is ice damming. So ice 331 00:23:45.480 --> 00:23:49.119 stamming starts about six or eight inches up the roof, and that you do 332 00:23:49.240 --> 00:23:53.480 heat cable as an option. We do actually see automatic resistance heat cable, 333 00:23:53.559 --> 00:23:56.759 so you just leave it on all the time you can yep, and it 334 00:23:56.799 --> 00:24:00.200 only comes on where you need it when you need it. Well, so 335 00:24:00.400 --> 00:24:03.519 I mean it's it's resistance bass what I mean? Right, Yes, So 336 00:24:03.720 --> 00:24:07.960 it's a wire. But the problem with that is you don't have a you 337 00:24:07.000 --> 00:24:10.720 don't have a thermostat on it? Oh you do? Yours has one? 338 00:24:10.839 --> 00:24:15.480 Yeah, they're are thermostats included in it. What about the one the wire 339 00:24:15.559 --> 00:24:18.759 that has the that's like built to just come on when needed. Have you 340 00:24:18.799 --> 00:24:26.000 heard of that? So there's sensors, ones that have moisture sensors and the 341 00:24:26.039 --> 00:24:30.279 spine. Those are semi effected. You've met that blue wire that it's it's 342 00:24:30.400 --> 00:24:38.440 heat. So what happens is cold reduces the resistance. Okay, so you 343 00:24:38.519 --> 00:24:42.279 don't really have to tell it where to put current. When it gets cold, 344 00:24:42.680 --> 00:24:47.920 the resistance is lowered and it goes to that area. That's true. 345 00:24:48.119 --> 00:24:52.920 The only like caveat to that is in Colorado, we'll have a snowstorm, 346 00:24:52.920 --> 00:24:56.039 it'll be gone in three days, and every night after that it's still going 347 00:24:56.119 --> 00:25:00.000 to get cold. So you're running that cable while it's cold versus you only 348 00:25:00.119 --> 00:25:03.519 need it when there's moisture there. Oh, I see, whereas the other 349 00:25:03.680 --> 00:25:06.519 you're right, and the blue wire comes on no matter what, just because 350 00:25:06.559 --> 00:25:11.119 it's close. Anyway, what does that cost per foot? When you add 351 00:25:11.119 --> 00:25:15.880 heat wire to gut a gutter, usually you're around fifteen to eighteen bucks just 352 00:25:15.920 --> 00:25:19.200 for the wire. Well, so what we use is the commercial cable. 353 00:25:19.240 --> 00:25:22.640 You can go to home depot and get those real little cord heat cables. 354 00:25:22.920 --> 00:25:26.519 They're like one hundred and sixty two hundred bucks for you know, one hundred 355 00:25:26.519 --> 00:25:30.519 and sixty three what it is. Yeah, but those only have a one 356 00:25:30.599 --> 00:25:34.920 year warranty and you can't overlap them. They're pretty So these you put up 357 00:25:36.440 --> 00:25:40.440 and they're good for years and years and years, and their thermostatically controlled. 358 00:25:40.680 --> 00:25:42.799 Yeah, those are fifteen year warranties if you go to your wells fargo. 359 00:25:44.359 --> 00:25:48.319 But they're moisture based, not thermostat based. Those are thermostat based. Can 360 00:25:48.359 --> 00:25:52.079 you get moisture based ones? Yes. They make a sensor that has a 361 00:25:52.160 --> 00:25:55.920 six foot spine and if six inches of it or more get wet, it 362 00:25:55.960 --> 00:26:00.680 turns the system on and that's when those cables get turned on Base Sun Moisture. 363 00:26:00.119 --> 00:26:06.200 We've had relatively good success with those. Yeah. Yeah, they're hitting 364 00:26:06.279 --> 00:26:10.559 miss three oh three seven one three talk seven one three eight two five five 365 00:26:11.440 --> 00:26:12.880 here? Yes, who's well? Real quick? Tom? I just had 366 00:26:12.880 --> 00:26:17.799 someone call about Frontier. They did file bankruptcy as a few years back too, 367 00:26:17.960 --> 00:26:21.400 So oh then that totally did away with her gift card. Eh. 368 00:26:22.039 --> 00:26:25.640 I mean, first of all, sales do it? Bankruptcies do it? 369 00:26:26.039 --> 00:26:27.480 I mean that? I mean, first of all, how do you sit 370 00:26:27.559 --> 00:26:33.960 on a gift certificate since two thousand and seven? I mean there's sixteen years? 371 00:26:34.039 --> 00:26:37.559 How do you do that? How do you do that? Maybe she 372 00:26:37.599 --> 00:26:40.960 loves your life like you do I mean, you know, she didn't she 373 00:26:41.000 --> 00:26:42.559 didn't want to use it. She didn't want to fly a point. But 374 00:26:42.680 --> 00:26:48.720 no, gift cards are like, are just totally I mean, what can 375 00:26:48.759 --> 00:26:52.240 I tell you? I mean they have to be used. In fact, 376 00:26:52.319 --> 00:26:56.400 I don't I don't particularly love it now, it says here Tom, anyone 377 00:26:56.440 --> 00:27:00.160 who lives in Denver knows Frontier has been sold so many times. It's not 378 00:27:00.519 --> 00:27:07.279 it's silly. And then what's going on with the cyber truck. Here's a 379 00:27:07.319 --> 00:27:12.720 text I got, yes, I read about that they stopped production. Apparently 380 00:27:12.880 --> 00:27:18.279 the owners even got do not drive warnings because they take off and go nuts 381 00:27:19.240 --> 00:27:25.759 full speed. And you know, Tesla's having his challenges. They've laid off 382 00:27:26.200 --> 00:27:33.400 ten percent of the workforce, which is pretty pretty significant. They say they 383 00:27:33.400 --> 00:27:37.200 may lay off more. Susan Mark said. Also, the full driving feature 384 00:27:37.400 --> 00:27:41.960 down went from two hundred to one hundred a month. One hundred bucks a 385 00:27:41.000 --> 00:27:45.920 month, I know it. And they gave everyone a thirty day trial because 386 00:27:47.039 --> 00:27:52.319 most people at have it, including my son. He said, holy crap, 387 00:27:52.039 --> 00:27:56.079 it's like the best thing he's ever had. And it's and now that 388 00:27:56.160 --> 00:27:59.240 it's just one hundred bucks a month, he's trying to hit me up for 389 00:27:59.240 --> 00:28:00.759 it. I'm not going to do it, but but I'm not going to 390 00:28:00.799 --> 00:28:03.799 add that on. He can pay for it if he wants to, but 391 00:28:03.839 --> 00:28:08.400 we know that won't happen. So I just think, I just think that 392 00:28:08.400 --> 00:28:15.240 that is a smart move because really there is no cost of sale. See 393 00:28:15.519 --> 00:28:18.880 there. I mean there's the cost of goods in development, but come on, 394 00:28:18.880 --> 00:28:23.599 once that's done. The brilliant thing about software and downloads to cars and 395 00:28:25.200 --> 00:28:30.200 satellite transmissions, you have no cost per unit. So by doing this, 396 00:28:30.279 --> 00:28:33.519 he's going to increase revenue. It's pretty obvious. Okay, Yeah, we 397 00:28:33.559 --> 00:28:37.880 can have Uh, we never know what's going to happen. Sometimes we're slams, 398 00:28:37.920 --> 00:28:40.440 sometime we're not. But you can get your calls into three oh three 399 00:28:40.480 --> 00:28:44.359 seven one three talk three oh three seven to one three eight two five five, 400 00:28:44.440 --> 00:28:48.799 or you can call three oh three Martino. And don't forget the Castle 401 00:28:48.880 --> 00:28:53.519 Rock Home Show starting tomorrow at noon. That's at the Douglas County fair Grounds, 402 00:28:53.559 --> 00:29:02.920 more than three hundred booths. Go with a sure thing Denver's Best roofer 403 00:29:03.039 --> 00:29:10.200 Excel roofing dot com. You don't pay a cent until you're content. Time 404 00:29:10.240 --> 00:29:15.519 for an insurance check up free no obligation comparison call Compass Insurance paying too much 405 00:29:15.640 --> 00:29:18.599 your coverage at dozens of insurance companies find out now three all three seven to 406 00:29:18.680 --> 00:29:22.319 seven to one. Help You'll think you're his only customer when you choose Frank 407 00:29:22.400 --> 00:29:27.000 durand the real estate Man dot Com to list your home with Remax Alliance three 408 00:29:27.000 --> 00:29:34.680 oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter 409 00:29:34.759 --> 00:29:38.880 three all three seven one three talks seven one three eight two five five Joel, 410 00:29:38.920 --> 00:29:41.960 Welcome to the show. What's going on? Good morning, sir. 411 00:29:42.039 --> 00:29:48.640 Hey, I'm calling because, uh there's a there's been some fraud committed and 412 00:29:48.839 --> 00:29:56.319 uh they they forced singisers on property and the property owner is my mom, 413 00:29:56.359 --> 00:30:00.079 really, and I'm gonna get her somehow because she so tell me what kind 414 00:30:00.119 --> 00:30:04.640 of fraud? Now, you know? Is it like somebody forged the title? 415 00:30:06.640 --> 00:30:11.599 Yes, and uh there was an ordery she was involved to and she 416 00:30:11.720 --> 00:30:18.559 knew exactly what was going on and she she authorized the signatures. So what 417 00:30:18.759 --> 00:30:26.039 did they do? Did they claim that they bought your mom's house? Yes, 418 00:30:26.440 --> 00:30:30.240 they claimed they bought them up my mom's house and it was zero fun. 419 00:30:30.519 --> 00:30:32.759 So they pretty much got it for free in that No. No, 420 00:30:32.839 --> 00:30:36.079 but hold on, But there's a whole bunch I need to ask and thank 421 00:30:36.119 --> 00:30:40.039 you for calling for your mother. So, first and foremost, how did 422 00:30:40.079 --> 00:30:45.440 you discover this? Let's go there. My brother and I we were trying 423 00:30:45.440 --> 00:30:48.319 to move in into that property. Why is it vacant? That was it 424 00:30:48.480 --> 00:30:52.960 vacant? What? My mom always rented that problem? She always Okay, 425 00:30:53.039 --> 00:30:56.960 that's where I want to start. Then, Joel, this was a rental 426 00:30:56.039 --> 00:31:00.920 property of your mom's, Yes, sir, okay, go ahead. And 427 00:31:00.960 --> 00:31:06.359 then it was vacant and you wanted to move in, yes, And at 428 00:31:06.359 --> 00:31:10.119 the end she ended up telling her that they committed fraud on her. Well, 429 00:31:10.119 --> 00:31:12.519 hold on, So when you went to move in, did someone stop 430 00:31:12.559 --> 00:31:17.359 you? No? I told my mom about it, and she said, 431 00:31:17.759 --> 00:31:19.680 how did you find out about it? See, Joe, I need to 432 00:31:19.720 --> 00:31:22.960 know what happened. You went to move into the rental Take it from there. 433 00:31:25.240 --> 00:31:26.279 No, I wasn't going to move in. I told my mom about 434 00:31:26.319 --> 00:31:30.039 the house. There's no way I could move in. She said no, 435 00:31:30.200 --> 00:31:33.359 because there's a person that already did a scam on me. And I don't 436 00:31:33.359 --> 00:31:37.599 know what to do anymore. And oh my god, I got it. 437 00:31:37.680 --> 00:31:41.759 Your brother and you go ahead. We went to the Adams County records and 438 00:31:41.799 --> 00:31:45.000 we pull out some records and we pull out some fake signatures and it's not 439 00:31:45.160 --> 00:31:49.480 my mo Ow's signature, and the coastliner that's not So what are they? 440 00:31:51.039 --> 00:32:00.519 How long ago were these papers filed? It's two thousand and six eighteen on 441 00:32:00.519 --> 00:32:04.400 some documents that I have with it, so some of them were way back 442 00:32:04.440 --> 00:32:07.799 then. So what has your mom been doing since then? I mean, 443 00:32:08.200 --> 00:32:13.799 this doesn't make sense. So your mom has rentals and somebody stole the rental 444 00:32:14.160 --> 00:32:17.359 or claimed they bought it back in two thousand and sixteen. What has she 445 00:32:17.519 --> 00:32:22.079 been doing since then? Well, she never confessed to us. She never 446 00:32:22.119 --> 00:32:25.480 told there was nothing before. When did she find When did she find out 447 00:32:25.519 --> 00:32:32.000 about it? That same year? And she never did anything about it. 448 00:32:32.640 --> 00:32:37.119 She went to the Adams kind of shares and they were being biased. They 449 00:32:37.119 --> 00:32:40.079 couldn't get no old records from the signatures or anything. But now, okay, 450 00:32:40.160 --> 00:32:45.400 then how did she know back in twenty sixteen that the house had been 451 00:32:45.440 --> 00:32:52.160 stolen because of the tenant and she was trying to kick him out of the 452 00:32:52.160 --> 00:32:57.599 property and the tenant said, the tenant says, you're not the landlord. 453 00:32:58.400 --> 00:33:01.039 Yes, and the Adam's kind of showed up and they removed us from the 454 00:33:01.079 --> 00:33:07.759 property and removed your mom from her and said this is no longer your house. 455 00:33:08.519 --> 00:33:12.880 Yes, sir, So your mom went home and never told you guys 456 00:33:12.920 --> 00:33:16.200 about it. Yes, And I'm just sound now I told them. But 457 00:33:16.240 --> 00:33:19.920 it's too late. I mean, I don't know of anything that can be 458 00:33:19.960 --> 00:33:22.119 done now. I mean, even if it was fraud, and it probably 459 00:33:22.240 --> 00:33:28.039 was. Now before people say to me, that's why people should have tidle 460 00:33:28.079 --> 00:33:32.839 lock, I say, no, this thing, no title lock, is 461 00:33:32.880 --> 00:33:37.240 a bunch of crap, And I'll tell you why it's a bunch of crap. 462 00:33:38.000 --> 00:33:45.319 But but I will tell you what what probably went on. Hold on, 463 00:33:45.480 --> 00:33:47.799 Joel, do not hang up, and we'll figure this out. I'm 464 00:33:47.799 --> 00:33:52.240 not sure what we can do, but let's explore all options. This is 465 00:33:52.359 --> 00:33:59.039 not the first time homes have been stolen. And will tell you how and 466 00:33:59.079 --> 00:34:07.319 why and why tidle lock wouldn't have helped anyway. Go with a sure thing 467 00:34:07.440 --> 00:34:10.840 Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're 468 00:34:10.880 --> 00:34:17.880 content. Please time for an insurance check up, free, no obligation comparison 469 00:34:19.000 --> 00:34:22.880 call Compass Insurance paying too much your coverage at dozens of insurance companies. Find 470 00:34:22.880 --> 00:34:27.199 out now three oh three seven seven to one help. You'll think you're his 471 00:34:27.360 --> 00:34:30.360 only customer when you choose Frank durand the real estate Man dot com to list 472 00:34:30.400 --> 00:34:40.760 your home with Remax Alliance three oh three nine two zero sixteen twenty two rip. 473 00:34:43.880 --> 00:34:52.320 You need advissel, you don't have. Come runs as can. Shooter's 474 00:34:52.400 --> 00:35:00.679 gonna help. Come man, This is the Troubleshooter Show. No Martino, 475 00:35:00.880 --> 00:35:05.920 Hi, Tom Martino here, Welcome to the show. Three zho three seven 476 00:35:05.960 --> 00:35:08.239 one to three talk seven one three eight two five five. You guessed it. 477 00:35:08.360 --> 00:35:14.039 The home show starting tomorrow at noon. That's in Castle. That's the 478 00:35:14.119 --> 00:35:16.920 Castrock Home Show with over three hundred booths. I like it because as a 479 00:35:16.960 --> 00:35:21.440 consumer advocate, I love people to be able to sit in one place or 480 00:35:21.519 --> 00:35:25.360 walk around one place and see like more than three hundred and thirty merchants for 481 00:35:25.440 --> 00:35:31.440 their home home improvement show. Uh. And that's free admission, free admission. 482 00:35:31.559 --> 00:35:37.920 I should have mentioned that. So let's keep going. Now we have 483 00:35:37.039 --> 00:35:44.239 someone on from the Unemployment Division. He's the director and Phil's Spshart Boy has 484 00:35:44.239 --> 00:35:47.159 he been a busy man over the last few years. It started with COVID. 485 00:35:47.239 --> 00:35:51.679 Oh my god, the fraud that went on, can't even imagine. 486 00:35:52.440 --> 00:35:58.119 Well, we got a call from one person yesterday, and then after that 487 00:35:58.320 --> 00:36:07.639 several other people and they all said their unemployment benefits are delayed several weeks because 488 00:36:07.679 --> 00:36:13.840 of something that was called an integrity hold. So like, for example, 489 00:36:13.920 --> 00:36:16.320 yesterday, was it yesterday? Melissa calls and says Tom, it was two 490 00:36:16.400 --> 00:36:21.519 days ago. Melissa called and said, Tom, when I applied for unemployment, 491 00:36:22.639 --> 00:36:25.480 I didn't get it, and they said it's going to be a while 492 00:36:25.599 --> 00:36:30.920 because there is an integrity hold. So I didn't know what that was. 493 00:36:30.039 --> 00:36:36.119 And Phil is always transparent and tells us everything when it comes to the State 494 00:36:36.239 --> 00:36:44.159 Unemployment Division. And other people called in and said everyone gets automatically integrity holds 495 00:36:44.199 --> 00:36:46.320 so they can investigate it. So Phil wants to clear all this up. 496 00:36:46.840 --> 00:36:51.320 So Phil, thank you, mister spez Art, appreciate this as you're the 497 00:36:51.360 --> 00:36:53.280 director. Now I should call you, mister spez Art. What's going on? 498 00:36:54.480 --> 00:36:59.000 Sure? Thanks Tom, Yeah, it's interesting to hear those rumors. 499 00:36:59.039 --> 00:37:02.119 So clarify couple of things here. The one thing that everybody has to go 500 00:37:02.199 --> 00:37:07.360 through and when they found unemployment insurance claim is identity verification. So one hundred 501 00:37:07.360 --> 00:37:12.159 percent of people go through that. That's a process that can be completed in 502 00:37:12.199 --> 00:37:15.400 a matter of seconds or minutes. Is that ID Is that ID me? 503 00:37:16.239 --> 00:37:20.519 Now? It's not id me anymore? Right now, it's either through Lexus 504 00:37:20.559 --> 00:37:25.760 Nexus true ID or individuals were filing a new claim have an option where they 505 00:37:25.760 --> 00:37:30.480 can select to go to the United States Postal Service, provide a barcode, 506 00:37:30.599 --> 00:37:35.360 provide their information there, and the US Postal Service will determine the validity of 507 00:37:35.840 --> 00:37:39.920 their identity and see that information back to US. Now, every claim also 508 00:37:40.079 --> 00:37:45.159 runs through a scoring metric related to whether they contain components similar to what we've 509 00:37:45.199 --> 00:37:49.840 seen on fraud claims. So on a lot of claims, some people may 510 00:37:49.880 --> 00:37:53.159 have a very very low score and so the minute they pass identity verification clears 511 00:37:53.199 --> 00:37:58.760 everything off, they're good to go. These individuals who have program integrity holds, 512 00:37:58.920 --> 00:38:01.480 it's because of the score that ends up on their claim. And so, 513 00:38:01.519 --> 00:38:06.679 can you give us an idea of phil up some red flags? Oh, 514 00:38:07.559 --> 00:38:09.519 I'm not going to give you all those characteristics because otherwise I'm telling you, 515 00:38:09.519 --> 00:38:13.800 Oh, give me an example of one, I get it. Yeah, 516 00:38:13.880 --> 00:38:15.639 let's give you. Yeah, let's give you a generic one that everyone 517 00:38:15.639 --> 00:38:20.159 would say, Well, that one makes sense, right, and probably doesn't 518 00:38:21.320 --> 00:38:24.159 isn't a marker on most of your people are calling? So if a social 519 00:38:24.159 --> 00:38:28.920 Security number comes up as being to a deceased individual, that's obviously a huge 520 00:38:29.079 --> 00:38:31.079 mark right, I got it. Yeah, so that one, And so 521 00:38:31.119 --> 00:38:36.119 there'll be various other things or maybe maybe where the addresses don't match up with 522 00:38:36.199 --> 00:38:40.519 the names or something. Okay, correct, Yeah, so those things will 523 00:38:40.559 --> 00:38:44.199 trigger things. Okay, so what do you do? Then? What does 524 00:38:44.239 --> 00:38:46.519 she do? If Melissa asks a question? Well, so Tom, now 525 00:38:46.519 --> 00:38:50.519 what do I do? I mean? Do I have to depend on them? 526 00:38:50.559 --> 00:38:54.000 Is there anything I can do to help? Yeah. We will usually 527 00:38:54.239 --> 00:39:00.320 reach out to them and provide them information to upload some additional documentation. Usually 528 00:39:00.320 --> 00:39:05.599 they will receive a program integrity questionnaire within my UI plus that asked them to 529 00:39:05.679 --> 00:39:08.559 upload a bunch of information. So some people think this is ridiculous. I've 530 00:39:08.559 --> 00:39:13.639 gone to identity verification. Now this is also asking me to provide those documents. 531 00:39:14.079 --> 00:39:16.079 Breath it for that again, is to verify all of that information and 532 00:39:16.119 --> 00:39:19.719 try to ensure that you are who you say you are, thank you. 533 00:39:20.000 --> 00:39:23.519 Fortunately, fraud continues to be a huge, huge impact on this program, 534 00:39:23.679 --> 00:39:27.280 not just in this state, but in all states. You know what, 535 00:39:27.719 --> 00:39:32.639 Phil, I had to upload stuff for Google for claiming my business years ago. 536 00:39:34.079 --> 00:39:37.320 I mean, I mean, it's crazy. Everybody wants some kind of 537 00:39:37.719 --> 00:39:44.000 clarification or proof. So okay, now if you hold here, hold on, 538 00:39:44.320 --> 00:39:46.159 I want to take Hugh because he's calling it. Hugh, what was 539 00:39:46.159 --> 00:39:49.760 your And I know you have limited time, Phil, so I'm gonna you 540 00:39:49.760 --> 00:39:52.280 know, whenever you need to go. But Hugh, what is your question? 541 00:39:52.400 --> 00:40:00.320 So this for Phil obviously, yes, when you are unemployed for long 542 00:40:00.360 --> 00:40:06.199 time and you can apply for an application to go into additional training, I 543 00:40:06.239 --> 00:40:14.880 think it's called the EKPL. What I've been finding working with the advisor over 544 00:40:14.880 --> 00:40:20.960 an unappointment is that a Raboa County will not honor the programs for additional training 545 00:40:21.159 --> 00:40:27.199 under real estate, even though the state list that training has approved by a 546 00:40:27.280 --> 00:40:30.840 Ramboat County over and over and over again. And it's been a point of 547 00:40:30.880 --> 00:40:35.719 contention for me, and I don't know how you would resolve it other than 548 00:40:36.119 --> 00:40:40.639 taking those approved training programs off your website. And it hasn't been done yet. 549 00:40:43.039 --> 00:40:46.840 Sure, question before you went on, well, before you answer the 550 00:40:47.000 --> 00:40:52.199 unemployment Well, before you answer, could you explain what he's talking about to 551 00:40:52.280 --> 00:40:55.719 begin with? And then what is this extra training program? Yeah, well 552 00:40:57.159 --> 00:41:01.039 it depends there. There's certain individuals where terminly the best course for reemployment for 553 00:41:01.159 --> 00:41:07.639 them would actually be the se create re education or retraining or new training in 554 00:41:07.679 --> 00:41:12.280 a new occupation and field. And so individuals who qualify that then are exempt 555 00:41:12.360 --> 00:41:16.639 from the work search requirement while collecting unemployment insurance because the training is considered to 556 00:41:16.639 --> 00:41:22.880 be got it an attempt to reasonably ensure their prompt reemployment god is suitable or 557 00:41:22.920 --> 00:41:28.679 suitable employment. Again, I don't necessarily handle that ETL component. That would 558 00:41:28.679 --> 00:41:32.440 be a different division employment in training. So it doesn't mean I can't speak 559 00:41:32.480 --> 00:41:37.119 with that director there so that they can check in my Sure, But he's 560 00:41:37.159 --> 00:41:40.320 saying, and Hugh, what I hear you saying is that they have the 561 00:41:40.360 --> 00:41:47.039 ETL program, but they do not honor real estate courses as as being a 562 00:41:47.079 --> 00:41:52.440 good way to do it right and only a wrap out Home County, Okay, 563 00:41:52.440 --> 00:41:57.960 through a wrap a hot Douglas works. Yeah. So ye. Under 564 00:41:58.000 --> 00:42:04.840 your EGTL program website, it shows that the training has been approved and that 565 00:42:04.960 --> 00:42:08.400 you can select it, but Dapple County doesn't honor it. Sure, Hugh 566 00:42:08.840 --> 00:42:14.679 wyon't we have you do this? Send an email or give your information to 567 00:42:14.719 --> 00:42:17.119 the Tom Martino Show. They'll get back with me. I can circle back 568 00:42:17.159 --> 00:42:21.400 with the Director of Employment Training so we can try to take a look at 569 00:42:21.440 --> 00:42:24.079 what's going on, because it sounds like more of an Employment Training Division issue 570 00:42:24.239 --> 00:42:29.000 and maybe a UI division issue. So so hang on you, We'll give 571 00:42:29.039 --> 00:42:32.199 you UI division issues. Hang on as as soon as you can get his 572 00:42:32.320 --> 00:42:36.920 email ors have him send it to fill or whatever. So, mister spazhar, 573 00:42:37.079 --> 00:42:42.280 so we have a lot of frauds still going on or it never stopped, 574 00:42:42.480 --> 00:42:49.199 or what it never stops? On average, between fourteen to eighteen percent 575 00:42:49.239 --> 00:42:52.440 of all claims that are filed on a weekly basis are marked as a high 576 00:42:52.559 --> 00:42:58.119 likelihood for fraud. Oh my goodness, I will tell you currently right, 577 00:42:58.119 --> 00:43:00.760 And these numbers went out through Channel four the other day. We have about 578 00:43:00.840 --> 00:43:07.599 forty seven nine eighty one active unemployment insurance claims and there were one thousand, 579 00:43:07.679 --> 00:43:13.639 two hundred and eight individuals with pending program integory holes that needed to be reviewed 580 00:43:13.679 --> 00:43:17.760 and asmunicated. Unfortunately, that does add time to processing on an unemployment insurance 581 00:43:17.800 --> 00:43:22.119 claim, which is frustrating for folks. But to give you an example, 582 00:43:22.199 --> 00:43:25.119 Tom, the fraudsters come up with new ways to do this all the time. 583 00:43:25.800 --> 00:43:30.480 Recently, as a result of some of this, and we use multiple 584 00:43:30.519 --> 00:43:36.559 tools here for a very good reason, we had one seven hundred people pass 585 00:43:36.840 --> 00:43:42.639 identity verification through the United States Postal Service. However, every last one of 586 00:43:42.679 --> 00:43:47.400 them was tied to fictitious employer schemes, in other words, creating fake employers 587 00:43:47.599 --> 00:43:53.480 using stolen PII to load in fake wages in an attempt to receive benefits without 588 00:43:53.519 --> 00:43:59.239 ever paying. And that fraud that we stopped could have resulted in up to 589 00:43:59.280 --> 00:44:02.000 eight hundred million dollars in a loss to the u I Trust Fund. So, 590 00:44:02.199 --> 00:44:07.559 wow, we have multiple steps. If we relied just on identity identity 591 00:44:07.639 --> 00:44:10.960 verification, all of that money would have gone out the door to those Wow. 592 00:44:12.079 --> 00:44:16.199 So my next question is obvious, are we punishing people who do this? 593 00:44:19.639 --> 00:44:22.039 Well we can catch them. We certainly are, and we've We've had 594 00:44:22.079 --> 00:44:24.440 some that have gone through and been prosecuted at this point in time, certainly 595 00:44:24.440 --> 00:44:29.199 not as high of a level as we would like. Part of the problem 596 00:44:29.320 --> 00:44:32.519 is at a federal level. For you to be able to prosecute somebody is 597 00:44:32.559 --> 00:44:37.000 there had to be an actual taking. We had to experience an actual loss. 598 00:44:37.440 --> 00:44:40.119 We focused on trying to prevent those losses upfront to begin with, and 599 00:44:40.159 --> 00:44:44.639 that's why you have the program integrity holds. Well, thank you. Frustrating 600 00:44:44.639 --> 00:44:47.599 the folks, though, where do people call for quick answers or is there 601 00:44:47.639 --> 00:44:52.760 no such thing in your department? Yeah, no, we would. We 602 00:44:52.800 --> 00:44:57.519 would have them contact if you have a program integrity hold right, because we 603 00:44:57.559 --> 00:45:00.039 have two different numbers to call, but one is a vendor who is not 604 00:45:00.159 --> 00:45:04.920 able to provide you much information or assistance. But we would have you call 605 00:45:04.960 --> 00:45:09.000 our direct number, which is at three one eight nine thousand, number three 606 00:45:09.039 --> 00:45:14.599 eight nine thousand, and that's three h three three all three oh correct. 607 00:45:14.800 --> 00:45:17.880 And now again realize that not every call center individual is going to be able 608 00:45:17.880 --> 00:45:22.400 to tell you exactly why there's a PI hold or how long it will take 609 00:45:22.440 --> 00:45:27.239 to resolve reason for that. Unfortunately, is we keep that really locked down 610 00:45:27.760 --> 00:45:30.840 because unfortunately the fraudsters also engage in social engineering on the phone to try to 611 00:45:30.880 --> 00:45:35.760 find out our right. Right, they're good right. As soon as we 612 00:45:35.840 --> 00:45:39.000 make an adjustment they make another adjustment and we have to make additional adjustment. 613 00:45:39.119 --> 00:45:43.280 That's crazy, and I appreciate you being there. Phil, thank you very 614 00:45:43.360 --> 00:45:45.199 much for being on the show. I know you got to run. And 615 00:45:45.239 --> 00:45:51.039 that's the Unemployment Division director. This guy is very good at what he does. 616 00:45:51.079 --> 00:45:53.760 He's one of the public servants that come on the show and help people 617 00:45:53.960 --> 00:45:59.239 all the time. So that's good to know. So the number where you 618 00:45:59.320 --> 00:46:01.599 start is three three, one eight nine thousand. Now here's what we're going 619 00:46:01.679 --> 00:46:07.119 to do. Since we're sending an email to fill with other guy's name on 620 00:46:07.159 --> 00:46:10.360 it or Melissa's name on it too. If you have any concerns, he 621 00:46:10.400 --> 00:46:14.639 has to run. But if you want to talk about it, give us 622 00:46:14.639 --> 00:46:17.400 a call. We'll take these two and include them in the email, especially 623 00:46:17.400 --> 00:46:22.320 if they're very specific things, not just in general, like you know, 624 00:46:22.360 --> 00:46:24.840 I think this should change or that should change. But if you're having an 625 00:46:24.880 --> 00:46:30.280 issue, we'll include that in our email to fill. The director. Okay, 626 00:46:30.480 --> 00:46:34.199 not many people can give you that direct access, So what you do 627 00:46:34.239 --> 00:46:36.760 is call us at three oh three, seven to one to three talk. 628 00:46:40.960 --> 00:46:45.239 Go with a sure thing Denver's Best roofer excel roofing dot com. You don't 629 00:46:45.239 --> 00:46:52.079 pay a cent until you're content. Time for an insurance check up free, 630 00:46:52.159 --> 00:46:57.840 no obligation. In comparison, call Compass Insurance paying too much your coverage at 631 00:46:57.880 --> 00:47:00.920 dozens of insurance companies find out now three all three seven seven to one help. 632 00:47:01.079 --> 00:47:05.679 You'll think you're his only customer when you choose Frank durand the real estate 633 00:47:05.719 --> 00:47:09.119 man dot com to list your home with Remax Alliance three all three nine two 634 00:47:09.199 --> 00:47:21.239 zero sixteen twenty two. Hi Tom Martino here three three seven to one three 635 00:47:21.239 --> 00:47:23.320 talk. Okay, Now, I'll take this comment unemployment. Then I'm back 636 00:47:23.360 --> 00:47:28.639 to Joel. Joel had his mom had a house stolen. We haven't forgotten 637 00:47:28.639 --> 00:47:32.400 about that, and we were consulting our real estate attorney about that. So 638 00:47:32.719 --> 00:47:39.760 Alan, what is your comment on unemployment? Hold on, here you go, 639 00:47:39.880 --> 00:47:45.800 there you go? Al, Okay, So when I heard him discussing, 640 00:47:45.800 --> 00:47:52.239 you were asking him if it was a id ME and and he said 641 00:47:52.320 --> 00:47:55.760 no. It's odd because I really believe I had to go look up my 642 00:47:55.880 --> 00:48:00.800 password for id ME to get my benefits. So I know they're still using 643 00:48:00.840 --> 00:48:06.800 it for some reason. And I think the most frustrating thing with unemployment is 644 00:48:06.880 --> 00:48:09.960 you just have no idea where you're you have no idea where your benefits are 645 00:48:09.960 --> 00:48:13.159 at, whether they're going to be accepted or not. I know, no 646 00:48:13.199 --> 00:48:17.840 community. I know you're right, So I was I was hoping that he 647 00:48:17.840 --> 00:48:22.440 would speak to that, like how do we how do they how do they 648 00:48:22.480 --> 00:48:27.679 do a better job of of you know, trying to let people know, 649 00:48:28.079 --> 00:48:31.679 you know, if they're going to be qualified or not. Well, that 650 00:48:31.800 --> 00:48:37.760 has always been an age old problem. People applying then they're left out in 651 00:48:37.800 --> 00:48:40.440 the cold. They don't know have any idea what's going on, and some 652 00:48:40.519 --> 00:48:45.559 people just want to be told they can't qualify and why as opposed to just 653 00:48:45.599 --> 00:48:50.039 not knowing anything that it is, right, I know it's a good question. 654 00:48:50.159 --> 00:48:52.880 I mean, it really is. And that's something that we will definitely 655 00:48:52.920 --> 00:48:57.480 ask him next time we have him on, Like is there a way it 656 00:48:57.480 --> 00:49:00.800 wouldn't it be nice though? Like if they could log on and just see 657 00:49:00.840 --> 00:49:06.840 the status of their claim. Great, well mine says processing, that's okay, 658 00:49:06.880 --> 00:49:09.119 So there is a way to get it in there. I mean, 659 00:49:09.199 --> 00:49:15.199 you just tell but it doesn't tell you any details like timeline or you know, 660 00:49:15.199 --> 00:49:16.760 how long have you been waiting? Alan, how long have you been 661 00:49:16.800 --> 00:49:25.559 waiting? I've only been waiting this time a few weeks. But I and 662 00:49:25.599 --> 00:49:30.280 I also found a problem with their website. I had everything ready to submit, 663 00:49:30.440 --> 00:49:32.440 tried to submit it, and it kept giving me an error, and 664 00:49:34.079 --> 00:49:37.920 I finally had to call their office and say, Okay, what's going on? 665 00:49:37.039 --> 00:49:39.719 And she said, I can't even deal with your old the claim that 666 00:49:39.760 --> 00:49:44.079 you put in. I have to redo everything. So I spent an hour 667 00:49:44.119 --> 00:49:46.519 and a half on the phone with their going. You know that just frost 668 00:49:46.639 --> 00:49:52.119 me too when that happens, when when you take time to go through something 669 00:49:52.199 --> 00:49:57.199 and then all of a sudden it's it won't let you submit and you can't 670 00:49:57.199 --> 00:50:00.840 go back and saving Oh god, what a pain I feel for you. 671 00:50:00.920 --> 00:50:05.000 There. We'll mention to Phil though about updates and see what he says about 672 00:50:05.000 --> 00:50:10.199 that. Three oh three seven one three talk seven one three two five five 673 00:50:10.280 --> 00:50:15.840 Joel, I'm back with you. Listen, Joel. Okay, so I 674 00:50:15.880 --> 00:50:19.039 talked to my real estate attorney. Let me just get some notes here. 675 00:50:19.199 --> 00:50:23.719 Okay, if this happened and your mom, here's the problem. Your mom 676 00:50:23.960 --> 00:50:30.719 discovered it way back in twenty sixteen. Yes, because we couldn't get no. 677 00:50:30.960 --> 00:50:36.920 Uh, it doesn't get Joel. The law says date of discovery forward 678 00:50:37.000 --> 00:50:42.719 is the statute limitations. She's beyond any statute limitations for fraud crime anything. 679 00:50:43.199 --> 00:50:45.679 I understand what you're saying. I understand. I don't say I agree with 680 00:50:45.719 --> 00:50:50.800 it. I understand you're saying you couldn't get anything done. That was in 681 00:50:50.840 --> 00:50:54.880 twenty sixteen. Then you had seventeen until nineteen, twenty, twenty one, 682 00:50:55.000 --> 00:50:59.639 twenty two, twenty three, twenty four. I mean, we're looking look 683 00:50:59.639 --> 00:51:02.920 how many years we're looking at, man. So what I'm saying is there 684 00:51:04.039 --> 00:51:08.679 is absolutely nothing that can be done right now. Nothing. There's nothing. 685 00:51:09.159 --> 00:51:15.239 But but here's the deal. I mean, the law doesn't say if you 686 00:51:15.320 --> 00:51:19.239 tried to get something done and you couldn't, I mean, what does that 687 00:51:19.320 --> 00:51:23.159 mean? And I'm going to tell you here's the biggest problem why LifeLock. 688 00:51:23.480 --> 00:51:29.239 Title lock wouldn't have worked. Here's what title lock is. People say, 689 00:51:29.719 --> 00:51:32.440 oh, make sure you know you register your home and your title, so 690 00:51:32.559 --> 00:51:37.960 when any changes occur on the title or someone tries to record something, you're 691 00:51:38.000 --> 00:51:45.039 immediately notified. Okay. It doesn't stop them from recording anything, zero nothing, 692 00:51:45.360 --> 00:51:51.639 It just notifies you. Okay, Well, your mom was notified because 693 00:51:51.679 --> 00:51:57.000 the county notifies her if she's the owner. Well, yeah, I'll guarantee 694 00:51:57.000 --> 00:52:01.840 you. I'm gonna say, Joe, I guarantee she was notified sometime back 695 00:52:01.840 --> 00:52:07.440 when this happened that something was filed on that address. It's an impossibility for 696 00:52:07.480 --> 00:52:13.039 it to happen without it being sent to the mail to the address of record. 697 00:52:13.400 --> 00:52:17.400 If the address of record was the rental itself, they could have filed 698 00:52:17.400 --> 00:52:22.239 it and then retrieved it from there before your mom could see it, or 699 00:52:22.280 --> 00:52:24.719 they could have stolen it out of her mailbox. But what I'm saying is, 700 00:52:25.159 --> 00:52:28.400 Joel, listen, how old your mom right now? By the way, 701 00:52:28.440 --> 00:52:31.039 how old is she? Fifty six? Oh? Only fifty six? 702 00:52:31.079 --> 00:52:36.039 Okay. I was going to say, I have a quick claim detail right 703 00:52:36.039 --> 00:52:38.679 here with the signatures that don't manage my mom's and my uncles because my uncle's 704 00:52:38.719 --> 00:52:43.920 a cold signer. I believe you, and I totally believe you. I 705 00:52:43.960 --> 00:52:45.440 believe it, by the way, just so it helps, I believe it 706 00:52:45.480 --> 00:52:52.840 was stolen. They got away with it. This morning, I contacted FBI. 707 00:52:52.000 --> 00:52:55.079 I wrote a rapport. They gave me a report number, and I 708 00:52:55.239 --> 00:52:59.440 contact And what did the FBI tell you? What did they tell you? 709 00:52:59.440 --> 00:53:00.480 You're going to give it they're going to give me a call so they could 710 00:53:00.519 --> 00:53:05.079 set up a meeting so they could speak with my mom. I'm going to 711 00:53:05.159 --> 00:53:07.320 tell you if they do the report. If they do that, it'll be 712 00:53:07.360 --> 00:53:13.159 a miracle because it's way beyond the statute of limitations. However, however, 713 00:53:13.840 --> 00:53:20.000 I think this they may want to know just in case it's let me tell 714 00:53:20.000 --> 00:53:22.880 you why they want to know, even with crime that has past the statute 715 00:53:22.960 --> 00:53:30.760 of limitations. They want to know because they might have other complaints now about 716 00:53:30.840 --> 00:53:37.079 title stealing. And what they'll do is they'll try to meet that with others 717 00:53:37.400 --> 00:53:39.480 and they might say, wait a minute, we're going to link this. 718 00:53:39.800 --> 00:53:45.920 These guys have been doing this since two thousand and sixteen. So the reason 719 00:53:45.960 --> 00:53:50.400 that the reason they do it when they investigate just I want to be very 720 00:53:50.400 --> 00:53:52.880 clear on this. If the same people were doing it over and over and 721 00:53:52.880 --> 00:53:55.360 over, and the FBI says, sure, we'll meet with you, and 722 00:53:55.400 --> 00:54:00.280 they find out that the people today who are being ripped off or who were 723 00:54:00.360 --> 00:54:05.400 ripped off a couple of years ago, are the same people perpetrating the fraud 724 00:54:05.440 --> 00:54:08.480 that did it against your mom. It's not going to help your mother. 725 00:54:09.480 --> 00:54:14.679 I'm telling you the truth. It's not nothing is going to help her now, 726 00:54:14.840 --> 00:54:20.400 it's too late. I don't know of any law anywhere that gives the 727 00:54:20.519 --> 00:54:24.000 excuse we couldn't get anything done because she could have. They just did the 728 00:54:24.039 --> 00:54:29.119 same thing to another olderly couple and the son found out, and he's an 729 00:54:29.159 --> 00:54:31.360 attorney here in Colorado. I don't know the names. I don't know who 730 00:54:31.440 --> 00:54:36.320 they are, but it just happened, right, So it's not beyond the 731 00:54:36.320 --> 00:54:38.800 The same people did it. Yeah, the same people did it to another 732 00:54:38.840 --> 00:54:43.719 olderly couple, but they got caught good. So what are they doing about 733 00:54:43.719 --> 00:54:46.079 it? Are there? Are they going to arrest these people? I don't 734 00:54:46.079 --> 00:54:51.519 know that. I'm trying to figure out who these people are. Why do 735 00:54:51.599 --> 00:54:55.920 you think that will help your mom that were Why do you think that because 736 00:54:57.159 --> 00:54:59.800 there's a history of them doing that, and they did it to my mom 737 00:54:59.840 --> 00:55:08.559 and know that we have a couple of years ago. Why Joe, listen, 738 00:55:08.599 --> 00:55:15.280 man, just listen to what I'm saying. It doesn't matter if you 739 00:55:15.039 --> 00:55:23.960 prove it, it doesn't matter if they're still doing it. It doesn't matter. 740 00:55:24.320 --> 00:55:31.559 There is a statute of limitations, and the old crimes drop off as 741 00:55:31.639 --> 00:55:37.239 the nude crimes come on. I think these people are scumbags, and I 742 00:55:37.239 --> 00:55:43.920 think they should suffer and be and be punished. But unfortunately it's not going 743 00:55:44.000 --> 00:55:47.400 to help your mother. Now by all means, do me a favor, 744 00:55:49.400 --> 00:55:55.639 cooperate and do yourself. Still cooperate because maybe by some strange thing, they 745 00:55:55.679 --> 00:56:00.719 would actually And by the way, this has been done before, where the 746 00:56:00.880 --> 00:56:07.800 legislature finds so much fraud and corruption they change the law. They literally change 747 00:56:07.880 --> 00:56:13.679 the law to open up special cases, like they did against Trump in New 748 00:56:13.760 --> 00:56:17.559 York. They opened up the law and did away. They absolutely did away 749 00:56:17.599 --> 00:56:22.840 with the statute limitations for a one year period so people could go after Trump. 750 00:56:23.159 --> 00:56:29.119 Okay, so maybe maybe if people want to go after these guys bad 751 00:56:29.199 --> 00:56:35.280 enough and they can actually alter the law, that is a possibility. Do 752 00:56:35.440 --> 00:56:37.679 me a favor, though, I need to know about this most current case, 753 00:56:37.960 --> 00:56:43.239 because we'll go after these basterds. Who knows, who knows, maybe 754 00:56:43.239 --> 00:56:45.239 we can get them just to do it, just to try to you know, 755 00:56:45.480 --> 00:56:47.880 by the way, it's not unheard of. Just you know, Joel, 756 00:56:47.960 --> 00:56:52.599 here's another thing that could happen. Let's say they nail them on a 757 00:56:52.639 --> 00:56:57.320 bunch of fraud that happened recently. Fraud that could be prosecuted. Let's say 758 00:56:57.360 --> 00:57:00.559 that happens, right, and then let's say as part of a plea deal. 759 00:57:01.079 --> 00:57:04.360 You know what that is, right, they say to them, Look, 760 00:57:04.760 --> 00:57:07.840 we won't send you to jail. You pay a fine. They may 761 00:57:07.880 --> 00:57:14.119 be able to, as part of a plea deal, say you have to 762 00:57:14.159 --> 00:57:19.280 give back Joel's mom's house to her. They could do that, even though 763 00:57:19.280 --> 00:57:23.840 they can't prosecute them. As part of a plea deal, they could ask 764 00:57:24.000 --> 00:57:30.119 them to turn that house back over to your mom as a good will gesture. 765 00:57:30.199 --> 00:57:37.039 So that's a possibility. So definitely, definitely, definitely cooperate with these 766 00:57:37.079 --> 00:57:42.280 people. Okay, Now, by the way, Hugh, you real quick, 767 00:57:42.360 --> 00:57:45.360 you have a good will complaint? What is it? Well, it's 768 00:57:45.400 --> 00:57:51.039 not really a complaint. You know, corporations can do whatever they want to 769 00:57:51.119 --> 00:57:55.960 run their businesses. We were over at the Claring Line Broadway store and want 770 00:57:57.000 --> 00:58:00.079 to buy some clothes, Yeah, and found that at the uh dress and 771 00:58:00.119 --> 00:58:08.800 boot rooms were closed. Why so they their complaint was that people didn't treat 772 00:58:08.840 --> 00:58:12.960 their resting rooms right. Oh they were, they were This is goodwill, 773 00:58:13.079 --> 00:58:15.559 right, yeah, good will? They were shooting up, they're snorting in 774 00:58:15.679 --> 00:58:22.079 them whatever. Whatever, they were doing. But the the whole thing that 775 00:58:22.159 --> 00:58:24.719 felt sketchy to me was that, yeah, they said, yeah, you 776 00:58:24.760 --> 00:58:29.920 know, you can buy these clothes if you know, if you think you 777 00:58:30.000 --> 00:58:32.239 want them, take them home, tryme on. And no, you know 778 00:58:32.360 --> 00:58:36.760 other stores are doing it too, not just Goodwill there. In fact, 779 00:58:36.800 --> 00:58:39.519 this is a trend they don't want to show. Now here's the deal. 780 00:58:40.079 --> 00:58:44.840 They have a Crossco and Sam's Club does the same thing. We do it 781 00:58:44.840 --> 00:58:47.400 all the time. We buy the clothes, we take them home. Differences 782 00:58:47.559 --> 00:58:52.239 Uh uh is that they tell, you know, SAMs costco, you bring 783 00:58:52.280 --> 00:58:57.079 them back, you get your money back. Uh? Good Will, Well 784 00:58:57.159 --> 00:58:59.920 no, we don't give you your money back. We just give you. 785 00:59:00.320 --> 00:59:02.880 But they see, here's what I'm saying. They have a right to They 786 00:59:02.880 --> 00:59:07.079 have a right to make their own policy. Okay, then consumers have a 787 00:59:07.159 --> 00:59:09.239 right to say we're not dealing with you. If you don't have fitting rooms, 788 00:59:09.239 --> 00:59:13.119 we're not going to shop here, or if you don't give full refunds, 789 00:59:13.159 --> 00:59:15.440 we're not going to shop here. Everyone has a right to do business 790 00:59:15.480 --> 00:59:20.000 the way they want. So long as it's not illegal, they can do 791 00:59:20.079 --> 00:59:22.960 it. They can make any kind of ridiculous Listen, there was another one 792 00:59:23.039 --> 00:59:28.639 Burlington coat Factory. I don't know if they're even still around, but these 793 00:59:28.800 --> 00:59:32.679 dinosaurs would say, no matter what you buy, no matter what's wrong with 794 00:59:32.719 --> 00:59:37.400 the purchase, there is an absolutely no refund. What we will do is 795 00:59:37.440 --> 00:59:42.480 give you store credit only. Well, listen to how weird that gets. 796 00:59:43.320 --> 00:59:47.679 One time, this person bought a briefcase and it was defective. Everyone agreed 797 00:59:47.840 --> 00:59:52.920 it was defective. They brought it back. It was like one hundred dollars 798 00:59:52.239 --> 00:59:58.440 or seventy eight nine or whatever. They did not handle these briefcases anymore. 799 00:59:58.679 --> 01:00:04.519 There was no possibility she could get any briefcase at all ever from Burlington cofactory. 800 01:00:05.400 --> 01:00:07.679 But what they said to her was, you still have to take a 801 01:00:07.719 --> 01:00:12.559 sore credit. So think of how ridiculous that is. They're forcing you to 802 01:00:12.599 --> 01:00:21.760 do business with them. Go with a sure thing Denver's Best roofer Excel roofing 803 01:00:21.880 --> 01:00:28.199 dot com. You don't pay a cent until you're content. Wait time for 804 01:00:28.239 --> 01:00:32.039 an insurance checkup free, no obligation. In comparison, call Compass insurance paying 805 01:00:32.039 --> 01:00:37.119 too much your coverage at dozens of insurance companies find out now three all three 806 01:00:37.280 --> 01:00:40.239 seven seven to one help You'll think you're his only customer when you choose Frank 807 01:00:40.320 --> 01:00:45.880 durand the real estate man dot Com to list your home with Remax Alliance three 808 01:00:45.920 --> 01:00:52.679 all three nine two zero sixteen twenty two. Hi Tom Martino here three all 809 01:00:52.719 --> 01:00:58.440 three seven one three talk seven one three A two five five Kate, what's 810 01:00:58.480 --> 01:01:00.119 going on with you? Kate? Welcome to the show. What's happening? 811 01:01:01.159 --> 01:01:06.320 Hey, So, a couple of years ago, my husband got one of 812 01:01:06.320 --> 01:01:13.239 those visa cards with unemployed was attached to unemployment benefits. Yeah, that he 813 01:01:13.320 --> 01:01:17.199 never applied for. He worked the whole time. And I don't remember who 814 01:01:17.199 --> 01:01:22.159 we contacted, but they said take the card back to the bank, so 815 01:01:22.239 --> 01:01:25.400 it was US bank. We took the card back, never heard anything else 816 01:01:25.440 --> 01:01:30.599 about it. This year we got a notice from the IRS saying we owe 817 01:01:30.639 --> 01:01:37.079 over two thousand dollars for back taxes on that unemployment that he never collected on. 818 01:01:37.519 --> 01:01:42.599 And yeah, yeah, I understand. And what you have to simply 819 01:01:42.639 --> 01:01:46.440 tell them is you never got the money ever, and they can't. I 820 01:01:46.480 --> 01:01:50.800 mean, really, what did you get a ten ninety nine on that from 821 01:01:50.960 --> 01:01:57.159 unemployment? Uh? Huh? What did you do? Though? When we 822 01:01:57.239 --> 01:02:00.719 took it, he took it back to his employer said, hey, you 823 01:02:00.760 --> 01:02:04.760 know this never happened. They know it never happened, and they they took 824 01:02:04.840 --> 01:02:08.840 the notice, so we don't even have it anymore. His employer has it. 825 01:02:09.360 --> 01:02:13.119 I don't know what they've done with it. So you just got this 826 01:02:13.280 --> 01:02:16.639 notice this year. Let's get Larson on. Hold on, I want to 827 01:02:16.679 --> 01:02:22.119 get our experts at Larson Tax Relief. These are people that help you fight 828 01:02:22.159 --> 01:02:24.679 the irs all the time. Let's see what they say to do. Hold 829 01:02:24.679 --> 01:02:28.360 on, all right, we'll get all we'll try to get an answer for 830 01:02:28.400 --> 01:02:31.920 you. Three oh three seven one three talk seven one three A two five 831 01:02:32.079 --> 01:02:40.840 five. Hey, do you know that one in three hiring managers listen to 832 01:02:40.880 --> 01:02:47.599 this and this is this is a real survey done among major companies and the 833 01:02:47.800 --> 01:02:54.639 HR people. One in three say they know they're asking illegal questions, but 834 01:02:54.719 --> 01:03:01.119 they ask them anyway now not to be They say they're not doing it because 835 01:03:01.159 --> 01:03:07.400 they want to discriminate illegally. They're doing it because they think it's important. 836 01:03:08.159 --> 01:03:14.119 Do you know what some of the illegal questions are? Weird? Okay, 837 01:03:14.679 --> 01:03:21.679 you can ask about people's age. Now. Come on, if I go 838 01:03:21.800 --> 01:03:25.920 to apply for a job now, I mean, I might not look like 839 01:03:27.000 --> 01:03:30.079 I'm gonna be keeling off, but I certainly don't look like a young chicken. 840 01:03:30.960 --> 01:03:36.920 I'm sure that they're wondering, like, how long is this guy gonna 841 01:03:36.960 --> 01:03:39.199 work? If we're gonna train him? Or we wasting money? And you 842 01:03:39.280 --> 01:03:44.960 start getting that feeling after a while, whatdn't you want to know? I 843 01:03:44.960 --> 01:03:49.000 mean, truly, when you think about it, it's not because you don't 844 01:03:49.199 --> 01:03:52.679 like them or don't want them. But then again, that is discrimination, 845 01:03:52.840 --> 01:03:58.440 isn't it If you say, wait a minute, if this person is gonna 846 01:03:58.480 --> 01:04:00.400 work for just a few years, why do I put all this money into 847 01:04:00.440 --> 01:04:03.280 them with training? Maybe that's one of the things. Or what about this 848 01:04:03.719 --> 01:04:08.480 young women? You know what they ask? Are you married? You're not 849 01:04:08.519 --> 01:04:11.719 supposed to. Why do they ask that? We all know why they asked 850 01:04:11.760 --> 01:04:16.079 that? Are you thinking about having kids? Next question? You can't ask 851 01:04:16.239 --> 01:04:24.159 that, but yet think about it. Are they doing it to be hateful 852 01:04:24.320 --> 01:04:28.719 or are they doing it because damn it, it's practical. Now this woman's 853 01:04:28.760 --> 01:04:30.639 going to come to work for us, have a kid, and that's assuming 854 01:04:30.679 --> 01:04:33.320 you can't go to work. I mean, I don't know, but you 855 01:04:33.360 --> 01:04:44.599 can't ask that. You cannot ask anything at all about health or physical abilities 856 01:04:44.960 --> 01:04:48.199 at all. So if you have a physically taxing job, Okay, you 857 01:04:48.320 --> 01:04:54.079 do, Jackson, you have a physically okay, you guys do k guard 858 01:04:54.400 --> 01:04:59.679 on the houses right, gutters coverings? Okay, heat tastes whatever. Okay. 859 01:05:00.519 --> 01:05:02.559 Don't you want to know if someone can climb a ladder? No? 860 01:05:02.800 --> 01:05:06.719 Seriously, you can't ask. If you ask, how do you feel about 861 01:05:06.800 --> 01:05:13.719 being on ladders and uh working above the ground high? If you did that, 862 01:05:14.119 --> 01:05:16.239 get your ass to jail. You can't ask that. Wow, then 863 01:05:16.280 --> 01:05:19.159 I'm going to jail. No, I'm serious, This is what I mean. 864 01:05:19.239 --> 01:05:23.920 You do we ask are you comfortable on a second story ladder? Now? 865 01:05:23.920 --> 01:05:27.079 I'm not sure if that would be wrong or I guess you can't ask, 866 01:05:27.199 --> 01:05:30.760 can you? We asked are you comfortable? Because that might be that 867 01:05:30.840 --> 01:05:33.480 might be different. I don't know. But this is weird stuff, isn't 868 01:05:33.480 --> 01:05:43.000 it. It is Go with a sure thing Denver's Best roofer Excel roofing dot 869 01:05:43.039 --> 01:05:48.719 com. You don't pay a cent until you're content. Time for an insurance 870 01:05:48.800 --> 01:05:54.039 check up free, no obligation. In comparison, call compass insurance paying too 871 01:05:54.119 --> 01:05:58.400 much your coverage at dozens of insurance companies find out now three oh three seven 872 01:05:58.400 --> 01:06:00.920 to seven to one help. You'll think you're his only customer when you choose 873 01:06:00.960 --> 01:06:05.400 Frank durand the real estate man dot com to list your home with Remax Alliance 874 01:06:05.599 --> 01:06:13.519 three all three nine two zero sixteen twenty two. Hi Tom Marchino, your 875 01:06:13.679 --> 01:06:19.280 troubleshooter three all three seven one three Tom three all three seven one three eight 876 01:06:19.400 --> 01:06:28.519 two five five. So Kate's husband got a debit card for unemployment benefits, 877 01:06:28.559 --> 01:06:33.360 but he had never applied for it. They sent it back and now they're 878 01:06:33.400 --> 01:06:41.440 getting taxed for it. So how much did they claim you got? I 879 01:06:41.519 --> 01:06:46.559 don't remember, but the tax bills over two thousand dollars go okay, Well 880 01:06:46.599 --> 01:06:50.679 we could do the math on that one. So two thousand would be probably 881 01:06:50.800 --> 01:06:56.840 twenty eight percent. Maybe they're saying maybe twenty five percent. So you can 882 01:06:57.000 --> 01:07:03.800 just figure that out. And so let's let's talk about this. You can 883 01:07:03.840 --> 01:07:08.400 do a few things. First, we couldn't get Larson on, but I 884 01:07:08.440 --> 01:07:13.079 know we were able to call. And I'm going to tell you that you 885 01:07:13.159 --> 01:07:17.440 don't you don't pay it. If there's a ten ninety nine, if you 886 01:07:17.559 --> 01:07:21.239 received it ten ninety nine, you should have filed it with an explanation. 887 01:07:21.760 --> 01:07:28.199 Now for is this for tax year twenty twenty three. I think it was 888 01:07:28.280 --> 01:07:30.960 twenty two. It wasn't last. Are you being penalized? Are you being 889 01:07:31.000 --> 01:07:35.599 penalized for it? Yeah? Yeah, they added interest on it, so 890 01:07:35.639 --> 01:07:41.800 the three grand represents the interest no, uh huh, or the two grand 891 01:07:41.880 --> 01:07:45.239 or whatever. Yeah. Yeah, So okay, here's the deal. You 892 01:07:46.039 --> 01:07:50.440 can you find the ten ninety nine. He gave it to his employer, 893 01:07:50.679 --> 01:07:54.840 so I'm sure I hope that, well, there's a copy of it somewhere. 894 01:07:55.199 --> 01:07:58.880 What you need to do is just file an explanation and say we're not 895 01:07:58.920 --> 01:08:02.480 paying it. We never received it. And and if they you just never 896 01:08:02.559 --> 01:08:05.840 received it. It was put on a debit card that was immediately returned to 897 01:08:05.880 --> 01:08:10.519 the bank. And then you just do that. I mean really, that's 898 01:08:10.559 --> 01:08:15.679 all you can do. And and the other thing you can do is pay 899 01:08:15.719 --> 01:08:19.159 it and then go to the back door and get it back. But if 900 01:08:19.199 --> 01:08:24.000 you don't pay it because you didn't get the money, and then what you 901 01:08:24.039 --> 01:08:29.079 need to do is figure out with unemployment. Were go with a sure thing 902 01:08:29.199 --> 01:08:32.600 Denver's Best Roofer excel roofing dot com. You don't pay a cent until you're 903 01:08:32.680 --> 01:08:41.000 content. Time for an insurance checkup free no obligation. In comparison, call 904 01:08:41.079 --> 01:08:45.039 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 905 01:08:45.119 --> 01:08:48.399 three all three seven to seven to one help. You'll think you're his only 906 01:08:48.520 --> 01:08:53.319 customer when you choose Frank durand the real estate man dot com to list your 907 01:08:53.359 --> 01:09:02.680 home with Remax Alliance three all three nine two zero sixteen twenty two. Ripped 908 01:09:04.600 --> 01:09:15.079 news need ad so you don't have come running success as we can. Shooter's 909 01:09:15.199 --> 01:09:24.640 gonna help coming Man six is the Troubleshooter Show. Now Tom Martino, Hi, 910 01:09:24.880 --> 01:09:29.119 Tom Martino Here three O three seven one three talk three O three seven 911 01:09:29.159 --> 01:09:32.439 one three eight two five five. Welcome to the show. Here to help 912 01:09:32.520 --> 01:09:38.479 you any way we can. And uh what we what we do is take 913 01:09:38.520 --> 01:09:42.239 your problems, your questions or complaints and try to get your help. If 914 01:09:42.239 --> 01:09:45.880 you need direct help. Were answers, and uh we've been doing it for 915 01:09:45.960 --> 01:09:48.840 many, many years, recovering millions of dollars for people in cash, merchandise, 916 01:09:48.920 --> 01:09:53.319 exchanges, refunds, and services. This how brought to you by waterpros 917 01:09:53.319 --> 01:09:59.000 dot net the best water systems at the lowest prices anywhere, and that is 918 01:09:59.000 --> 01:10:01.119 three oh three eight six two, five, five, five, four whole 919 01:10:01.119 --> 01:10:05.359 house systems starting at around thirty four hundred bucks to get rid of ugly chemicals 920 01:10:05.680 --> 01:10:11.079 or drinking water systems. Hey, and now those are only around fourteen hundred. 921 01:10:11.119 --> 01:10:14.000 Also, I want to mention something. Ideal Home Loans still has the 922 01:10:14.000 --> 01:10:18.199 interest rate guarantee, so if you REFI, they will refy you and then 923 01:10:18.439 --> 01:10:25.439 refy you free of charge when rates go down. Ideal home loans dot Com. 924 01:10:25.479 --> 01:10:31.359 Alberta wants to talk about capital gains, capital gains or profits or income. 925 01:10:31.520 --> 01:10:35.760 Well, income actually is not regular incomes, non classified as capital gains. 926 01:10:36.000 --> 01:10:40.359 Capital gains is a profit you make. And what is your question? 927 01:10:40.479 --> 01:10:44.159 Albert Hi, Tom, how are you? I'm doing good man? What's 928 01:10:44.199 --> 01:10:46.720 going on with you? Thank you for your helping. You got me many 929 01:10:46.760 --> 01:10:51.000 times in the past. I appreciate that. So my parents own a property 930 01:10:53.279 --> 01:10:58.159 in Europe, and you know they're in the late they're close to eighty years 931 01:10:58.159 --> 01:11:00.680 old, seventy eight, seventy nine years old, and they're thinking about selling 932 01:11:00.720 --> 01:11:05.720 this property that they own. But once they wire the money, if they 933 01:11:05.760 --> 01:11:10.720 decide to put it on the market, well there'll be capital gains on that 934 01:11:10.800 --> 01:11:14.239 property. Even though it's in Europe. Well, here's how it works, 935 01:11:14.359 --> 01:11:17.319 because I've done a lot of securities and stuff around the world, and I 936 01:11:17.319 --> 01:11:23.520 can tell you how that works. Usually, unless laws have changed, what 937 01:11:23.600 --> 01:11:26.520 you do is you have a basis. Right, They've kept track of their 938 01:11:26.560 --> 01:11:30.079 basis. Is that right, that's correct, They've bone it for forty years, 939 01:11:30.159 --> 01:11:33.720 okay, fifty years Okay, So now they have a basis. Then 940 01:11:33.720 --> 01:11:38.840 they're going to have a sale price, and in the jurisdiction where it sells, 941 01:11:38.920 --> 01:11:44.279 there's going to be taxes paid to whatever jurisdiction there is. Okay, 942 01:11:44.640 --> 01:11:48.119 So whatever the jurisdiction is, they're going to pay taxes. So where is 943 01:11:48.159 --> 01:11:53.680 it in Europe? It's in Italy, Okay, so they're going to pay 944 01:11:53.680 --> 01:11:58.520 Italian it's pretty hefty. They're going to pay some gains in Italy. It's 945 01:11:58.600 --> 01:12:03.159 long term capital gains. And then what will happen is and where where in 946 01:12:03.199 --> 01:12:09.319 Italy is it? It's right between Roman Naples and d Adrias. Okay, 947 01:12:09.359 --> 01:12:13.279 so they're gonna they're gonna have I don't think they're gonna have any local capital 948 01:12:13.319 --> 01:12:18.119 gains. They they might have some sales fees, but whatever they pay in 949 01:12:18.279 --> 01:12:25.960 taxes, they as American citizens, they're going to get a credit for but 950 01:12:26.039 --> 01:12:30.640 they're gonna have to pay tax on whatever is not credited. Like if we 951 01:12:30.720 --> 01:12:32.800 have more I don't know. I think we if we have more or less 952 01:12:32.840 --> 01:12:38.399 tax I don't know. But the way it normally works is you pay whatever 953 01:12:38.520 --> 01:12:42.079 tax you pay where you are, and then you get a credit for that 954 01:12:42.920 --> 01:12:48.279 here. Okay, So normally normally, like I said, the laws might 955 01:12:48.319 --> 01:12:53.279 have changed since I although it hasn't been that long for me. But if 956 01:12:53.279 --> 01:12:58.680 you sell stuff in another country, the count see the United States. Now 957 01:12:58.720 --> 01:13:01.920 other countries aren't as common, but the United States kind of says if you 958 01:13:02.000 --> 01:13:05.960 own something somewhere else and you pay taxes there, you don't have to pay 959 01:13:06.000 --> 01:13:13.039 them again here. Usually usually Yeah, but a good accountant, a good 960 01:13:13.039 --> 01:13:15.000 account to let you know what is their cap game going to be? Do 961 01:13:15.000 --> 01:13:20.359 you know? Well, you know, the house was built fifty years ago 962 01:13:20.399 --> 01:13:26.279 and I don't even know what the So it's a residence. Yea, yeah, 963 01:13:26.279 --> 01:13:30.800 it's a residence yet villa. Do they live there? No? No, 964 01:13:30.840 --> 01:13:32.880 it's it's no nobody lives there there. They live here, but nobody 965 01:13:32.880 --> 01:13:38.279 it's the house is closed, I mean not necessarily closed. I have family 966 01:13:38.319 --> 01:13:41.119 members that are in and out of the house, but nobody lives in it. 967 01:13:41.800 --> 01:13:46.880 Okay, Well, I'll tell you what. There are some different capital 968 01:13:46.960 --> 01:13:54.760 gains for commercial or residential even if it's not your personal property. But again, 969 01:13:54.800 --> 01:13:57.560 you're gonna have to get someone over there. I mean you must know 970 01:13:57.640 --> 01:14:00.199 people over there, right, Yeah. I just got back from there a 971 01:14:00.199 --> 01:14:08.199 few weeks ago. Actually, okay, well are you Italian? Yeah? 972 01:14:08.199 --> 01:14:11.399 I am, yes, okay, cool, Well listen, if you want 973 01:14:11.399 --> 01:14:16.399 to deed that to me, i'd gladly take it. Okay, So anyway, 974 01:14:16.640 --> 01:14:21.319 why don't you take it from them? That's what she's asking. Well, 975 01:14:21.399 --> 01:14:24.840 that's what my parents want to do. She goes, why won't you 976 01:14:24.880 --> 01:14:30.840 take a villa in Italy? What are your nuts? I know we're thinking 977 01:14:30.880 --> 01:14:33.039 about it. We're thinking about different options here. So all right, here's 978 01:14:33.079 --> 01:14:40.920 what it is here. I just looked up the tax there, so they 979 01:14:40.960 --> 01:14:46.119 don't have Well anyway, here here's what it is. It is for a 980 01:14:46.159 --> 01:14:51.520 profit less than fifteen thousand euros, it's twenty three percent. It goes all 981 01:14:51.560 --> 01:15:00.600 the way up, holy crap, to forty three percent. Wow, twenty 982 01:15:00.680 --> 01:15:04.760 three Wait a minute, capital gain is taxed through regular rates. They're not. 983 01:15:06.039 --> 01:15:11.159 Yeah, that's what it says here, and I'm I'm looking at Professor 984 01:15:11.439 --> 01:15:15.920 Bing, and Professor Bing is very seldom wrong, by the way, way 985 01:15:15.920 --> 01:15:24.079 better than Professor GPT chat GPT. I fired him, But I like the 986 01:15:24.079 --> 01:15:28.359 co pilot at Bing. No. Seriously, in fact, you know, 987 01:15:28.760 --> 01:15:32.319 if you go to AI and ask questions like this, they're usually pretty good 988 01:15:32.359 --> 01:15:38.600 at this. Don't ask them social questions or you'll find out George Washington was 989 01:15:38.600 --> 01:15:42.760 a black man somehow, but I don't know. And but there's all kinds 990 01:15:42.760 --> 01:15:45.119 of weird things. And oh, they want to tell you the benefits never 991 01:15:45.199 --> 01:15:48.279 mind of your kids, right right, Yeah, I don't want to, 992 01:15:48.399 --> 01:15:54.520 but but seriously, they do have good answers when it comes to facts like 993 01:15:54.560 --> 01:15:57.760 this. So so what do you do You have any idea what it will 994 01:15:57.800 --> 01:16:02.560 sell for? I'm since two hundred thousand yeuros, And do you know how 995 01:16:02.640 --> 01:16:09.760 much they bought it for? Well, that's it's kind of hard to explain 996 01:16:09.840 --> 01:16:15.720 that because my dad's the one that built the house fifty years ago. Oh 997 01:16:15.760 --> 01:16:18.359 man, wait a minute, hold on, hold on, hold on, 998 01:16:18.479 --> 01:16:23.720 hold on this is that now? I'm just reading something else. There's a 999 01:16:23.840 --> 01:16:30.880 separate taxation for real estate. Wait wait, wait for real estate. When 1000 01:16:30.920 --> 01:16:35.159 you're selling real certain property, there taxes on the sales mandatory. But if 1001 01:16:35.199 --> 01:16:38.760 you own the property, Oh no, they do have They do have some 1002 01:16:38.880 --> 01:16:43.279 lesser rates here. So if the property is sold after five years, then 1003 01:16:43.359 --> 01:16:45.840 then the capital gains tax goes down quite a bit. So I was wrong. 1004 01:16:46.359 --> 01:16:51.640 The other stuff I told you was they they're talking about they talk about 1005 01:16:51.680 --> 01:16:57.039 capital gain as everything. I mean, they're even talking about income. So 1006 01:16:57.399 --> 01:17:00.399 they're just talking about what they really mean are income brackets. I read it 1007 01:17:00.439 --> 01:17:05.960 wrong. And then the other tax for sale of property is topped out at 1008 01:17:06.039 --> 01:17:13.760 I believe twenty six percent, that's what it's saying here. Yeah, so 1009 01:17:14.479 --> 01:17:16.600 okay, now, so that would be equivalent to here, you may end 1010 01:17:16.680 --> 01:17:21.399 up not paying much tax here, you know in the States, right, 1011 01:17:21.640 --> 01:17:26.479 you may you may end up that way because they are US citizens I'm assuming, 1012 01:17:26.640 --> 01:17:30.199 right they actually they're not US citizens. Well, then they may not 1013 01:17:30.239 --> 01:17:36.600 pay it. Why would they pay any tax? Well, they're they're you 1014 01:17:36.640 --> 01:17:40.319 know, they've been here fifty years. But well I know, but do 1015 01:17:40.399 --> 01:17:43.880 they Okay, but if you don't have any income, if you don't have 1016 01:17:43.920 --> 01:17:48.479 income in the US, I mean just because you're living here, if you're 1017 01:17:48.479 --> 01:17:53.479 not a citizen, doesn't you're repired now you're retired. Both of them are 1018 01:17:54.000 --> 01:17:58.720 okay, but what the point is The income is not here and they're not 1019 01:17:58.840 --> 01:18:01.039 citizens, so I don't even know. I don't even know that you pay 1020 01:18:01.079 --> 01:18:06.439 anything technically, I don't know. So if you transfer the money over the 1021 01:18:06.920 --> 01:18:11.439 rs it wouldn't raise a flag on the RSA. Where does this money coming 1022 01:18:11.479 --> 01:18:15.279 from? Well, yeah, well they're gonna want to it could raise a 1023 01:18:15.279 --> 01:18:17.319 flag, but that doesn't matter. You can still as long as you report 1024 01:18:17.399 --> 01:18:20.359 everything honestly. They'll let you know. They're not going to make up a 1025 01:18:20.479 --> 01:18:26.279 tax just to get it right, right, Okay, So if I were 1026 01:18:26.319 --> 01:18:30.840 you, I mean, obviously we can get one of our tax authorities here. 1027 01:18:31.039 --> 01:18:35.520 But it looks to me like I don't think you're going to have much 1028 01:18:35.560 --> 01:18:41.279 burden in the I don't see how if someone is living here, they're not 1029 01:18:41.359 --> 01:18:45.039 a citizen, the income is not derived here, they sell a property in 1030 01:18:45.079 --> 01:18:49.479 Europe. I don't see why any taxes do here at all. I mean, 1031 01:18:49.560 --> 01:18:53.960 I can't think of a scenario where a tax is do here just because 1032 01:18:53.960 --> 01:18:59.520 you're here. I mean, you know, I could possibly see California passing 1033 01:18:59.560 --> 01:19:02.520 bills like that. They you know. I mean they have like like California 1034 01:19:02.520 --> 01:19:06.159 pass the bill that if you and then I know people don't have a lot 1035 01:19:06.199 --> 01:19:13.279 of sympathy for rich people. But if you park your yacht or you're playing 1036 01:19:13.319 --> 01:19:16.359 your jet on the ramp out there at the airport or as a dock in 1037 01:19:16.399 --> 01:19:21.880 California and it's there for more than thirty days, they're going to make you 1038 01:19:21.920 --> 01:19:28.439 pay a use tax as if it's domiciled there. Now, think about that. 1039 01:19:29.520 --> 01:19:33.680 Now. Obviously they want to catch the cheets who are Californians buying them 1040 01:19:33.680 --> 01:19:39.560 in other states, right, But truly, if you're on business and they 1041 01:19:39.680 --> 01:19:42.319 keep track of it. Now, I don't mean thirty days in a row, 1042 01:19:42.359 --> 01:19:45.960 I mean cumulatively, if they notice that that jet was there for so 1043 01:19:46.079 --> 01:19:50.199 many days, you're going to pay an income or not income tax. It's 1044 01:19:50.199 --> 01:19:56.720 a use tax or like a sales tax, as if it was domiciled there. 1045 01:19:57.760 --> 01:20:00.359 Three all three seven to one three talks one three eight, two five 1046 01:20:00.439 --> 01:20:10.640 five Go with a sure thing Denver's Best Roofer Excel roofing dot com. You 1047 01:20:10.680 --> 01:20:16.840 don't pay a cent until you're contenth time for an insurance checkup, free no 1048 01:20:16.920 --> 01:20:23.880 obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies. 1049 01:20:23.960 --> 01:20:26.960 Find out now three oh three seven seven to one. Help. You'll 1050 01:20:26.960 --> 01:20:30.800 think you're his only customer when you choose Frank durand the real estate man dot 1051 01:20:30.840 --> 01:20:34.520 com to list your home with Remax Alliance three oh three nine two zero sixteen 1052 01:20:34.600 --> 01:20:46.039 twenty two. Hi Tom Martino here three oh three seven one three. I 1053 01:20:46.079 --> 01:20:49.399 want to go to Janet R. And Janet work for Deputy Bow who's in 1054 01:20:49.479 --> 01:20:54.000 today? Uh, and she had some roof shingle problem. Bow. Do 1055 01:20:54.039 --> 01:20:56.960 you remember what this? Can you sum this up real quick? Yes? 1056 01:20:57.079 --> 01:21:02.239 Hi? Janet? So, yeah, thanks for holding Yes. When did 1057 01:21:02.279 --> 01:21:04.600 she call? By the way, she called the I think you called in 1058 01:21:04.720 --> 01:21:09.520 last Friday. Okay, got it, So let's see. So what happened? 1059 01:21:10.279 --> 01:21:20.199 So Janet emailed us her contract from ISP Specialty Products Integrated Successful Projects. 1060 01:21:20.439 --> 01:21:26.760 She had that one. Yeah, that one that bugged me. And I 1061 01:21:26.840 --> 01:21:30.960 do have a question for you, Janet. You said that you wanted or 1062 01:21:31.039 --> 01:21:36.520 you think you were supposed to get these ir Hal impact shingles. No, 1063 01:21:36.520 --> 01:21:43.119 no, when when it was taking so long for them to get started on 1064 01:21:43.159 --> 01:21:47.079 the project. He told me that that's what the problem was, but it's 1065 01:21:47.159 --> 01:21:51.680 more than just the shingles. Here's what it was. It was you said 1066 01:21:51.720 --> 01:21:57.800 that September sixth, The initial estimate was eighteen grand, and then they put 1067 01:21:57.840 --> 01:22:01.760 in they put in supplementals for forty thousand, so it more than doubled. 1068 01:22:01.800 --> 01:22:05.880 And here's what Jay said, one of our experts, No, Mark, 1069 01:22:05.920 --> 01:22:11.520 I'm sorry, Ed Jenison Genesis one Marca Genesis said, Man, the roof 1070 01:22:11.640 --> 01:22:17.359 was done okay, but they exaggerated, sadly, sadly, sadly when it 1071 01:22:17.479 --> 01:22:23.319 came to the supplementals, Like one part of the house should have been painted 1072 01:22:23.359 --> 01:22:27.680 for fifteen hundred bucks, they charged over five grand, and on and on 1073 01:22:27.720 --> 01:22:31.680 and on. Now, I want to make this clear it was paid for 1074 01:22:31.840 --> 01:22:38.800 by your insurance. I'm not sure why you're complaining, except I'm with you 1075 01:22:38.920 --> 01:22:42.039 on not wanting them to get away with it. But Bo, did you 1076 01:22:42.399 --> 01:22:46.279 ask them specifically about why they overcharged so much on their supplements. Well, 1077 01:22:46.359 --> 01:22:51.840 I didn't really understand what the supplements were about. Mark was going to address 1078 01:22:51.920 --> 01:22:56.960 that issue. But but Janet does happen some of them, He didn't even 1079 01:22:57.000 --> 01:23:00.359 do some of the minutes withholding all the money. Right now, Jane's in 1080 01:23:00.359 --> 01:23:04.600 the driver. Janet's in the driver's seat because if we have all the money, 1081 01:23:05.079 --> 01:23:10.520 Okay. So yes, by the way, there were some skylights they 1082 01:23:10.640 --> 01:23:15.079 charged for doing or events. They charged for doing three three new ones, 1083 01:23:15.479 --> 01:23:17.399 and they used three. They used two of the old ones and didn't even 1084 01:23:17.439 --> 01:23:20.920 do a third one. So that alone, what I would do is go 1085 01:23:20.960 --> 01:23:24.640 through it. But you are going to owe them something, you know that, 1086 01:23:24.760 --> 01:23:29.479 right? Yeah, I do understand that, Hey, Tom, but 1087 01:23:29.600 --> 01:23:33.079 I haven't paid the opinion. But the work that they've done is I've been 1088 01:23:33.079 --> 01:23:36.840 doing this in September is now April. Well, Mark at Genesis says, 1089 01:23:36.840 --> 01:23:41.119 there's nothing wrong with your roof. You should pay for. My understanding was 1090 01:23:41.159 --> 01:23:45.159 she was expecting a higher class shingle. But on the contract, what's on 1091 01:23:45.159 --> 01:23:47.520 a roof is what's on the contract. Mark said at Genesis, Now he's 1092 01:23:47.560 --> 01:23:51.960 an independent guy looking at this, said that roof was fine and should be 1093 01:23:51.960 --> 01:23:57.159 paid for. Yeah, and the shingles that are on the contract match the 1094 01:23:57.239 --> 01:24:00.319 contract, match the contract. Right she thought she was getting. She's got 1095 01:24:00.319 --> 01:24:03.239 to pay for the roof. Okay, whatever the roofbit, she got to 1096 01:24:03.279 --> 01:24:08.199 pay. Now. As far as the supplements, what Mark said was there 1097 01:24:08.199 --> 01:24:14.000 were some that were overcharged and some that were not done. The overcharging part, 1098 01:24:14.199 --> 01:24:18.840 unfortunately your insurance agreed to. But I think the only thing you can 1099 01:24:18.840 --> 01:24:27.640 withhold payment for is stuff that was not done. And that's it, Janet. 1100 01:24:27.680 --> 01:24:31.920 I don't know what else you wanted to hear. Well, some of 1101 01:24:31.960 --> 01:24:35.640 the work that they've done is wrong. Okay, give me one. Give 1102 01:24:35.680 --> 01:24:41.279 me one thing that give me one thing that was done wrong. Okay, 1103 01:24:41.960 --> 01:24:45.880 around my bedroom window they put like a border. No, no, that's 1104 01:24:45.960 --> 01:24:47.800 right, that's right. Mark said that too. You're right, you're right 1105 01:24:47.880 --> 01:24:51.159 that has to be redone. That has to be redone. But what I'm 1106 01:24:51.159 --> 01:24:56.000 getting at is this the majority of the money you're gonna owe. Do you 1107 01:24:56.119 --> 01:24:59.399 understand that? See, I don't want to give you the wrong impression that 1108 01:24:59.439 --> 01:25:01.479 you're gonna get to keep a bunch of money. You're not. No, 1109 01:25:01.479 --> 01:25:05.720 No, that's not it. I only want what is fair. And all 1110 01:25:05.760 --> 01:25:12.359 this extra work was not needed or asked for. That doesn't matter, Janet. 1111 01:25:12.399 --> 01:25:15.079 Your insurance paid for it because they thought you needed it. Now, 1112 01:25:15.159 --> 01:25:18.800 if they didn't do it, you shouldn't pay for it. But you're not 1113 01:25:18.880 --> 01:25:23.119 going to get to keep the money because you disagree that you needed it. 1114 01:25:23.199 --> 01:25:27.880 Your insurance company had the opportunity to and by the way, have the authority 1115 01:25:27.920 --> 01:25:31.399 to not you. If your insurance company says you needed it and agreed with 1116 01:25:31.479 --> 01:25:38.720 the contractor, then you needed it. The disagreement I have with integrating successful 1117 01:25:38.800 --> 01:25:44.319 projects roofing and construction are the things they didn't do right or the things they 1118 01:25:44.319 --> 01:25:48.239 didn't do at all. So the things you have to redo or the things 1119 01:25:48.279 --> 01:25:54.760 you have to do because they did not do you should retain. Everything else 1120 01:25:54.800 --> 01:25:59.199 should be paid to them, and you may have to hire someone to speck 1121 01:25:59.279 --> 01:26:02.359 it out for you. But you know you're going to owe eighteen grand for 1122 01:26:02.439 --> 01:26:06.279 the roof because you agreed to it, right, absolutely, did you pay? 1123 01:26:06.439 --> 01:26:10.439 Did you pay them the eighteen grand? I have not paid them. 1124 01:26:10.479 --> 01:26:13.039 I haven't even heard from them in over a month. Yeah, well, 1125 01:26:13.079 --> 01:26:16.279 here's the deal, Janet, here's at some point, at some point I 1126 01:26:16.439 --> 01:26:21.680 depart from the consumer when they won't because these people, I don't like them. 1127 01:26:21.720 --> 01:26:25.079 I don't like what they did, I don't like the overcharging. I 1128 01:26:25.119 --> 01:26:30.239 don't like any of it. But I also don't like withholding every penny either, 1129 01:26:30.319 --> 01:26:34.239 because that's not reasonable. So I I am not withholding anything though, 1130 01:26:34.279 --> 01:26:39.079 Tom, I have not I we haven't asked for ding, Janet. They 1131 01:26:39.079 --> 01:26:42.800 don't have to ask you owe, Okay, it's a matter of perspective. 1132 01:26:43.000 --> 01:26:45.600 You owe, they did the work, You owe the money. Okay, 1133 01:26:45.760 --> 01:26:49.600 so you owe some of the money. I agree with you again. The 1134 01:26:49.680 --> 01:26:54.520 stuff they didn't do or the stuff that has to be redone. I'm not 1135 01:26:54.560 --> 01:26:58.199 going to discuss whether or not you paid too much for the roof, or 1136 01:26:58.239 --> 01:27:00.199 you paid too much for the painting, or you didn't think you needed this 1137 01:27:00.359 --> 01:27:03.920 or you didn't think you needed that. None of that comes into consideration with 1138 01:27:04.000 --> 01:27:09.680 me. The only thing I'm concerned about is stuff they did not do or 1139 01:27:09.760 --> 01:27:14.640 stuff they did not do properly. Those are what you should be you should 1140 01:27:14.640 --> 01:27:16.760 retain for. That's what you need to pretain. I'm not going to say 1141 01:27:16.760 --> 01:27:21.800 it anymore, but that's there's nothing else we can do. And I just 1142 01:27:21.840 --> 01:27:25.800 want to say something. And you know, I'm not going to direct this 1143 01:27:25.880 --> 01:27:30.119 at Janet, but I'm going to direct it towards callers like Janet. I 1144 01:27:30.159 --> 01:27:35.319 can't tell you how many times I have consumers who find that a contractor did 1145 01:27:35.359 --> 01:27:42.439 something wrong and then they use it as an excuse not to pay because they 1146 01:27:42.439 --> 01:27:45.840 want to keep the money, or they want to pay a ridiculous amount. 1147 01:27:46.920 --> 01:27:54.800 I've had people who had contractors do great work except for ten percent of it, 1148 01:27:55.560 --> 01:27:59.520 but they want to settle on half. I'll pay you half the bill. 1149 01:28:00.319 --> 01:28:03.760 I said, they only did ten percent wrong. It's a way because 1150 01:28:03.800 --> 01:28:11.159 and here's why, when insurance pays the consumer directly. Now, I don't 1151 01:28:11.159 --> 01:28:15.119 think they should pay the business directly either, by the way, but they 1152 01:28:15.119 --> 01:28:20.000 shouldn't pay the consumer directly either. There should be someone in charge because when 1153 01:28:20.039 --> 01:28:24.720 a consumer gets money in their pocket and they put it in their bank, 1154 01:28:25.359 --> 01:28:30.279 it often becomes a pickup truck, or it becomes a boat, and it 1155 01:28:30.359 --> 01:28:35.159 doesn't become let's fix the house, or if the money is in their account 1156 01:28:35.760 --> 01:28:41.600 and then the house is fixed, all of a sudden, they look for 1157 01:28:41.800 --> 01:28:48.479 excuses not to pay. Now. I know there are hundreds of contractors out 1158 01:28:48.479 --> 01:28:53.119 there nodding their heads yet saying you got it, man, you got it. 1159 01:28:53.520 --> 01:28:59.680 But at the same time, the other thing happened where contractors exaggerated or 1160 01:28:59.680 --> 01:29:02.359 didn't do all of the work. There's a balance here, folks. There's 1161 01:29:02.399 --> 01:29:11.800 a right and there's a wrong. It should be self evident. Go with 1162 01:29:11.840 --> 01:29:15.920 a sure thing. Denver's best roofer Excel roofing dot com. You don't pay 1163 01:29:15.960 --> 01:29:21.720 a cent until you're content. Time for an insurance check up free, no 1164 01:29:21.840 --> 01:29:28.319 obligation. Comparison call Compass Insurance paying too much your coverage at dozens of insurance 1165 01:29:28.319 --> 01:29:30.439 companies find out now three oh three, seven to seven to one help. 1166 01:29:30.600 --> 01:29:34.399 You'll think you're his only customer when you choose Frank durand the real estate Man 1167 01:29:34.439 --> 01:29:39.960 dot com to list your home with Remax Alliance three oh three nine two zero 1168 01:29:40.039 --> 01:29:50.600 sixteen twenty two. Hi Tom Martino near three oh three seven one three talks 1169 01:29:50.640 --> 01:29:55.239 seven one three eight two five five. Mark's going to question on a reverse 1170 01:29:55.319 --> 01:29:58.439 mortgage. Hello Mark here on the Tom Martino Show. What's going on? 1171 01:29:58.520 --> 01:30:03.319 Man? Let me get joke new too? Yes, sir? Okay, 1172 01:30:03.680 --> 01:30:13.279 Hey, I'm yeah. Yes? Are you there? Mark? Oh my 1173 01:30:13.359 --> 01:30:15.920 yeah, I'm here. Okay, bro, I got you. Go ahead. 1174 01:30:15.279 --> 01:30:17.840 Sorry, I'm in a bad spot. Oh I'm sorry. Now I 1175 01:30:17.840 --> 01:30:23.279 can hear you, fine though, go ahead. So I'm fifty seven and 1176 01:30:23.600 --> 01:30:26.479 I just went through a divorce. I'm living on about two and a half 1177 01:30:26.520 --> 01:30:30.920 acres in my camper, and I'm playing I'm building the house. This area 1178 01:30:30.319 --> 01:30:35.399 is kind of mixed with nice homes and really bad homes. So I don't 1179 01:30:35.439 --> 01:30:42.000 want to overbuild. And I'm wondering is there an Oh you are in a 1180 01:30:42.000 --> 01:30:45.399 bad area, but I want to hear. Okay, this is really important 1181 01:30:45.439 --> 01:30:50.600 that you we get this information. So now where what kind of how much 1182 01:30:50.640 --> 01:30:57.520 property did you say you had? Are you so there? Mark dang for 1183 01:30:58.199 --> 01:31:01.039 two and a half acres? Okay? Now are there covenants? There? 1184 01:31:02.159 --> 01:31:11.920 No, no covenants at all? Okay, Now what is your question in 1185 01:31:12.039 --> 01:31:19.520 about building? You want to build a home? Well, I'm putting Tom. 1186 01:31:19.560 --> 01:31:23.239 I wonder if he's asking, can you get a reverse mortgage on a 1187 01:31:23.279 --> 01:31:27.800 home? Build? I wonder if that's his question? Is that your question? 1188 01:31:27.880 --> 01:31:31.239 Mark? Oh, I'm just I don't want to overbuild this area, 1189 01:31:31.600 --> 01:31:34.560 right. It would be too hard to just say, well, you absolutely 1190 01:31:34.640 --> 01:31:41.600 shouldn't. You shouldn't, especially because it only has it has no covenants. 1191 01:31:42.039 --> 01:31:45.239 So you're right, you should not overbuild. Okay, keep going and I'll 1192 01:31:45.239 --> 01:31:49.800 pick up your words when I can. I'm sure it's about to get better. 1193 01:31:50.960 --> 01:31:55.520 So where do they how do they qualify you? I mean, is 1194 01:31:55.560 --> 01:32:01.319 there a certain dollar amount that they will not reverse mortgage? Oh? Oh 1195 01:32:01.399 --> 01:32:04.439 yeah, there's all kinds of limits, but those are way high. But 1196 01:32:04.760 --> 01:32:10.039 I wouldn't use a reverse loan to build, but you you can't use one 1197 01:32:10.079 --> 01:32:15.399 to build. You can use it to buy a home, a new home, 1198 01:32:15.000 --> 01:32:19.520 but you can't use it. You can't get a construction loan. No 1199 01:32:19.640 --> 01:32:25.840 I can afford to have the home built. Okay, all right here, 1200 01:32:26.000 --> 01:32:30.079 Okay, you can get private products of a million dollars, but you won't 1201 01:32:30.079 --> 01:32:34.039 need them. But the limit you don't have to worry about. What you 1202 01:32:34.159 --> 01:32:40.319 have to worry about is loan to value. So you're fifty seven. So 1203 01:32:40.439 --> 01:32:42.760 by the time you get this, how old are you going to be? 1204 01:32:42.840 --> 01:32:46.159 Sixty two? Right? You have to be you have to want to get 1205 01:32:46.199 --> 01:32:53.159 the mortgage will be sixty eight. Okay, return all right, If you 1206 01:32:53.199 --> 01:32:56.960 want to get the loan at sixty eight, the most you'll probably get at 1207 01:32:56.960 --> 01:33:00.000 sixty eight. I should look at these charts somewhere, but I think it's 1208 01:33:00.039 --> 01:33:05.319 around forty forty to forty five percent. I'm sorry, I'm not getting my 1209 01:33:05.359 --> 01:33:13.640 point across very well. Let's say I buy a manufactured home and put on 1210 01:33:13.720 --> 01:33:16.920 the property CAR get a reverse mortgage on a manufactured home if it's put on 1211 01:33:17.000 --> 01:33:24.159 a property the proper way and it has FHA or approval or HUT approval. 1212 01:33:24.520 --> 01:33:29.079 Yes not if it has wheels. Okay, you got to do it. 1213 01:33:29.560 --> 01:33:34.119 So HUD or FHA would let loan on it. Okay, it just needs 1214 01:33:34.159 --> 01:33:38.399 to be merged to a foundation. It's got to be real. It's got 1215 01:33:39.119 --> 01:33:43.760 an FHA and HUD is the easiest way to look at it. Okay, 1216 01:33:43.840 --> 01:33:48.119 all right, but let's say so let's say the project costs you one hundred 1217 01:33:48.159 --> 01:33:57.119 grand and it appraises for one fifty. You're not going to get any more 1218 01:33:57.159 --> 01:34:00.039 than sixty grand or something. I'm not doing the math on a calculator, 1219 01:34:00.079 --> 01:34:04.319 but the most you're going to get at sixty eight is maybe forty to forty 1220 01:34:04.359 --> 01:34:12.760 five percent if that because the max on a reverse loan is fifty percent if 1221 01:34:12.760 --> 01:34:16.960 you're an old person. I believe it's They might have changed it a little, 1222 01:34:16.960 --> 01:34:23.640 but there's not. They don't let you get seriously leveraged because they want 1223 01:34:23.680 --> 01:34:29.560 to make sure they can accrue all of that unpaid interest on that loan, 1224 01:34:29.920 --> 01:34:32.800 which then compounds against it. And they want to make sure you don't eat 1225 01:34:32.880 --> 01:34:39.039 up your equity in your lifetime, so they they not amortize it, but 1226 01:34:39.079 --> 01:34:44.520 they charge it according to excuse me. They limit the loan to value according 1227 01:34:44.520 --> 01:34:49.000 to your age. Okay, I didn't want to overbuild the area because it'd 1228 01:34:49.000 --> 01:34:55.239 be a lot out of my pocket, but I didn't Also I wanted to 1229 01:34:55.279 --> 01:35:00.000 make sure I built enough to qualify for a reverse mortgage. Well, yeah, 1230 01:35:00.159 --> 01:35:02.159 you're gonna get You're gonna get a reverse mortgage. They don't care how 1231 01:35:02.239 --> 01:35:08.039 much they I mean, yeah, there's no I mean there might be a 1232 01:35:08.119 --> 01:35:13.119 downward limit, but I'd have no idea what it would be. Okay, 1233 01:35:15.479 --> 01:35:19.680 So just look at it as you know, as an ff sak. Yeah, 1234 01:35:19.720 --> 01:35:24.359 if you can get an fah loan, you can get a reverse loan. 1235 01:35:24.880 --> 01:35:28.840 And I'm looking up the table here for LTV limits and let me think 1236 01:35:29.199 --> 01:35:34.600 I don't a loan value on a reverse loan, Okay, range is okay, 1237 01:35:34.680 --> 01:35:41.399 I'm wrong. Actually they're saying on this table it goes from fifty percent 1238 01:35:41.479 --> 01:35:47.239 to a low, to sixty five percent to a high. Okay, And 1239 01:35:47.359 --> 01:35:55.800 the limit has been set at one forty nine thousand. Oh there's way more 1240 01:35:55.920 --> 01:36:00.000 me anyway. Yeah, well that would be that would be a limit of 1241 01:36:00.079 --> 01:36:04.279 the appraisal. So the biggest loan is going to be half of that or 1242 01:36:05.079 --> 01:36:10.119 sixty five percent of that. So I think you're going to be fine if 1243 01:36:10.119 --> 01:36:13.760 you want to do a reverse loan like that. But remember, you know 1244 01:36:14.199 --> 01:36:18.159 there's give and take on all of that, and if you can afford to 1245 01:36:18.239 --> 01:36:25.039 build it and you're just looking for money to live on, you might, 1246 01:36:25.319 --> 01:36:30.920 you know, you might want to consider some creative things like taking the money 1247 01:36:30.920 --> 01:36:35.359 from a reverse loan and buying an annuity, a fixed indextinuity. Now, 1248 01:36:35.359 --> 01:36:44.079 that fixed indextinuity will guarantee you income guarantee it, and the reverse loan will 1249 01:36:44.079 --> 01:36:48.960 guarantee you'll never lose your home ever. So think about this. You get 1250 01:36:49.159 --> 01:36:56.039 an annuity and you immediately annuitize it for income, or you get it at 1251 01:36:56.079 --> 01:37:00.560 sixty two, get a lower amount and annuitize it into ten years. Whatever 1252 01:37:00.680 --> 01:37:04.840 the thing. You either annuitize it immediately as sixty eight or seventy, or 1253 01:37:04.920 --> 01:37:09.960 you get it earlier and annuitize it later and let it fester for several years. 1254 01:37:10.279 --> 01:37:14.199 Now, think about this. You're not repaying that reverse loan ever. 1255 01:37:14.680 --> 01:37:17.640 Ever. Now you're not going to have any equity to leave to anyone of 1256 01:37:17.680 --> 01:37:21.520 any appreciable amount. Maybe you would, but it doesn't matter. You're not 1257 01:37:21.680 --> 01:37:27.279 going to have to worry about that part of it. Now you have guaranteed 1258 01:37:27.359 --> 01:37:30.039 growth and income on a fixed indexinuity. Now, by the way, I'm 1259 01:37:30.079 --> 01:37:33.640 not telling you a fixed indextinuity is the only investment there is in the world. 1260 01:37:33.920 --> 01:37:38.680 It's not. It's in fact, you should never put all your money 1261 01:37:38.680 --> 01:37:42.840 in one of those. It's a tool for income. It's a tool for 1262 01:37:42.920 --> 01:37:47.720 growth, modest growth, and good income. So now think about this. 1263 01:37:48.159 --> 01:37:54.119 Now you're going to take Social Security and you're going to supplement it with the 1264 01:37:54.159 --> 01:37:59.520 annuity payment, and you don't have to pay back that loan. Now, 1265 01:37:59.640 --> 01:38:01.399 if you took out a regular loan on your home to do that, you'd 1266 01:38:01.439 --> 01:38:04.760 be insane. But you don't. But with a reverse loan, if you're 1267 01:38:05.399 --> 01:38:11.520 if you're married to the idea and comfortable with the idea, you're not going 1268 01:38:11.560 --> 01:38:15.840 to care about your equity and you're you can suck that equity out of there 1269 01:38:16.159 --> 01:38:21.720 and put it in a fixed indextinuity and not have to pay back the equity 1270 01:38:21.760 --> 01:38:26.720 loan. Three oh three seven one three talk seven one three eight two five 1271 01:38:26.840 --> 01:38:30.399 five frankdrand the real estate man does free evaluations of your home. By the 1272 01:38:30.439 --> 01:38:33.239 way, if you want to know what it will sell for on the market, 1273 01:38:33.760 --> 01:38:38.680 and it's not just free. It's detailed basically to let you know where 1274 01:38:38.680 --> 01:38:43.479 you stand in the market, with no obligation ever to list frankdarandereal estate Man 1275 01:38:43.520 --> 01:38:50.079 dot com three oh three nine two zero sixteen twenty two. Go with a 1276 01:38:50.159 --> 01:38:55.479 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1277 01:38:55.680 --> 01:39:00.880 until you're content of it. Time for an insurance check up free, no 1278 01:39:00.960 --> 01:39:05.880 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 1279 01:39:05.920 --> 01:39:10.600 of insurance companies find out now three oh three seven to seven to one help. 1280 01:39:10.760 --> 01:39:14.319 You'll think you're his only customer when you choose Frank durand the real estate 1281 01:39:14.359 --> 01:39:17.800 Man dot com to list your home with Remax Alliance three oh three nine two 1282 01:39:17.880 --> 01:39:33.520 zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three seven 1283 01:39:33.600 --> 01:39:38.840 one three talk seven one three eight two five to five A eight eight eight 1284 01:39:38.880 --> 01:39:43.039 heating dot com is gonna do your twenty eight dollars service. Call twenty eight 1285 01:39:43.079 --> 01:39:46.920 bucks with a service so that means they come for your water heater, they 1286 01:39:46.960 --> 01:39:50.800 service it, flush it twenty eight bucks. If you need anything, they 1287 01:39:50.840 --> 01:39:54.520 credit you the twenty eighth. They do the same thing for toilets, they 1288 01:39:54.560 --> 01:39:58.640 do the same thing for sinks. They any one stop, one item, 1289 01:39:58.720 --> 01:40:02.239 twenty eight bucks. That's it eight eight eight heating dot com. I think 1290 01:40:02.279 --> 01:40:05.000 that's a pretty cool way doing business. Then they credit you if you need 1291 01:40:05.039 --> 01:40:11.079 any addition to repair three three seven seven zero two seven seven six. We 1292 01:40:11.199 --> 01:40:17.079 call it the risk free service fee. All right, now, let's talk 1293 01:40:17.119 --> 01:40:24.439 to Cody. Cody, I was just alluding to something like this with the 1294 01:40:24.640 --> 01:40:28.520 roofing, where consumers don't want to pay, but sometimes they have a good 1295 01:40:28.520 --> 01:40:31.840 reason not to pay. You're facing this where you can't get a customer to 1296 01:40:31.920 --> 01:40:38.479 pay. What's the situation with you? Yeah? So, and it's not 1297 01:40:38.600 --> 01:40:44.000 just me, it's actually there's several businesses that this one company has impacted. 1298 01:40:45.319 --> 01:40:49.560 So. The Colorado Spartans are an indoor arena football team up in Greeley. 1299 01:40:49.880 --> 01:40:55.600 They play at the Bud Weser Events Center, Blue Arena, Okay, and 1300 01:40:56.439 --> 01:41:00.880 they have stayed since the beginning of their season. They've been saying at various 1301 01:41:00.880 --> 01:41:06.680 hotels throughout Greeley and have done everything they can to avoid paying them. So 1302 01:41:08.119 --> 01:41:12.039 they've stayed at I know for certain, they've stayed at the Woodspring Suite. 1303 01:41:12.119 --> 01:41:15.239 Wait a minute, do you mean the team has stayed. Yes, that's 1304 01:41:15.239 --> 01:41:20.560 correct, and then they they they jump out on the bill. Correct, 1305 01:41:21.119 --> 01:41:26.479 What at Candlewood? Yeah, at Candlewood. Sweet they owe tens of thousands 1306 01:41:26.520 --> 01:41:29.039 of dollars. Wait a minute. What's the name of this Wait? This 1307 01:41:29.119 --> 01:41:30.560 might be the first sports team I have on the sleeves brigade. What's the 1308 01:41:30.600 --> 01:41:36.920 name of the the team Colorado Spartans, and I have the owner's name as 1309 01:41:38.000 --> 01:41:40.119 well. What are they? What do they play? I'm sorry, I'm 1310 01:41:40.159 --> 01:41:44.560 so ignorant of these sports? What is it? They're a brand new arena 1311 01:41:44.560 --> 01:41:46.399 football team this year. Oh that's why I don't know. And that's schlock. 1312 01:41:46.520 --> 01:41:53.399 Okay, so arena football? Does anyone even watch that anymore? Arena 1313 01:41:53.399 --> 01:41:56.239 I didn't even know what was the thing until I started hearing about this team, 1314 01:41:56.600 --> 01:41:59.439 Jackson, you watch arena football? Car man? Do you no, 1315 01:41:59.600 --> 01:42:02.960 sir? Go with a sure thing Denver's best roofer Excel roofing dot com. 1316 01:42:03.000 --> 01:42:10.560 You don't pay a cent until you're content. Three time for an insurance check 1317 01:42:10.640 --> 01:42:15.840 up free no obligation. Comparison call Compass insurance paying too much your coverage at 1318 01:42:15.880 --> 01:42:18.600 dozens of insurance companies. Find Out Now three oh three seven seven to one 1319 01:42:18.680 --> 01:42:23.359 help. You'll think you're his only customer when you choose Frank durand the real 1320 01:42:23.439 --> 01:42:28.000 estate Man dot com to list your home with Remax Alliance three oh three nine 1321 01:42:28.039 --> 01:42:40.600 two zero sixteen twenty two. Ripped News. You need advice, you don't 1322 01:42:40.680 --> 01:42:50.960 help reagious as the kid Shooter's gonna help, come Dick. Is the Troubleshooter 1323 01:42:51.039 --> 01:42:58.239 Show. No Tom Martino, Hi, Tom Martino here three oh three, 1324 01:42:58.560 --> 01:43:02.159 seven one three talk three oh three he's seven to one three eight two five 1325 01:43:02.399 --> 01:43:06.319 five Welcome. What's going on in your life and how can we help you? 1326 01:43:06.399 --> 01:43:10.239 This is the Troubleshooter Show. We have a guest today, K Guard 1327 01:43:10.279 --> 01:43:14.560 by the way, uh Kguard Rocky Mountains dot com and he's from our referral 1328 01:43:14.520 --> 01:43:16.399 list. He's been with us for years, Jackson. And they do the 1329 01:43:16.439 --> 01:43:19.760 new gutters that not new gut well yeah, new gutters with the built in 1330 01:43:19.880 --> 01:43:25.479 coverings and they're really nice, really wonderful gutters. We've never jeh, I 1331 01:43:25.479 --> 01:43:28.760 shouldn't say this because where's the knock on wood thing? We've never had a 1332 01:43:28.800 --> 01:43:31.359 complain about you no, honest, su As, we never had a complaint 1333 01:43:31.359 --> 01:43:35.159 ever. Now that's gonna like now people are gonna say, oh, yeah, 1334 01:43:35.640 --> 01:43:41.479 one time he came and did it and spit his jaw on the lawn. 1335 01:43:41.560 --> 01:43:45.159 I'm just kidding. You don't chew. No. But in any case, 1336 01:43:45.439 --> 01:43:47.039 if you do get a complaint, I don't even know what it would 1337 01:43:47.079 --> 01:43:50.079 be, because you clean up after yourself and all that. Most roofers, 1338 01:43:50.119 --> 01:43:54.000 when we get a complain other than ripoff, I'm talking about good roofers. 1339 01:43:54.000 --> 01:43:57.399 The only complaint we might get with a good roofer is maybe they didn't clean 1340 01:43:57.479 --> 01:44:00.960 up as much as they wanted him to, because that's hard to keep property 1341 01:44:00.000 --> 01:44:04.119 clean. But well, one thing we do to try to work around that 1342 01:44:04.319 --> 01:44:08.319 is number one. Of course, we have the magnetic rollers and all that 1343 01:44:08.319 --> 01:44:11.720 stuff. Yeah, but what we try to do that's special to my company 1344 01:44:11.800 --> 01:44:14.800 is I'm not a lazy owner sitting behind a desk. I will go and 1345 01:44:14.880 --> 01:44:17.600 visit every customer that wants to do a walk around. And the first thing 1346 01:44:17.640 --> 01:44:20.800 that I do is make sure that if it's not picked up, I'll pick 1347 01:44:20.840 --> 01:44:24.640 it up and I'll spend an hour. I don't care. I want to 1348 01:44:24.640 --> 01:44:27.920 make sure because at the end of the day, that house is my business 1349 01:44:27.920 --> 01:44:31.239 card. They to talk to their neighbors and that's it. So I maintain 1350 01:44:31.319 --> 01:44:33.840 referral list dot com. That's which you're a member of. Great people. 1351 01:44:34.079 --> 01:44:40.199 And then I also had something I started years ago called Sleeze Brigade dot com. 1352 01:44:40.199 --> 01:44:42.960 But this wasn't just for people who are not on the referral list. 1353 01:44:43.039 --> 01:44:45.319 There are plenty of good people not on the referral list, but these are 1354 01:44:45.359 --> 01:44:48.680 for the worst of the worst of the worst. If you go to Sleeze 1355 01:44:49.159 --> 01:44:56.760 Brigade dot com s L e A Z please, some people try to put 1356 01:44:56.840 --> 01:45:00.560 the w anyway, Sleazbrigade dot com and if you go there, you'll find 1357 01:45:00.600 --> 01:45:04.640 the worst of the worst. And Cody is calling now with someone that I 1358 01:45:04.720 --> 01:45:11.239 never thought i'd have a sports team on there. But Cody says that they're 1359 01:45:11.279 --> 01:45:15.479 getting a reputation in northern Colorado, not that far north, but Loveland area. 1360 01:45:15.560 --> 01:45:19.800 Right. Do they play the arena football? Do they play the arena 1361 01:45:19.840 --> 01:45:26.279 football at the Budweiser Center up there? That's correct. So around there there's 1362 01:45:26.279 --> 01:45:30.840 a bunch of hotels. You're saying that they're getting a reputation for not paying 1363 01:45:31.439 --> 01:45:35.039 Yes, I have it on very good authority that they've they've done it to 1364 01:45:35.800 --> 01:45:42.800 minimum two hotels, but for lots of money, right, yeah, tens 1365 01:45:42.800 --> 01:45:45.960 of thousands of dollars. Okay, So give me an idea. What do 1366 01:45:46.039 --> 01:45:53.760 they owe you? At the hotels that I am most familiar with, it's 1367 01:45:53.880 --> 01:45:59.880 about twenty eight hundred dollars. At another hotel, which is the Campbell Woods, 1368 01:46:00.359 --> 01:46:03.680 it's over twenty thousand mbers. What are they doing to try to collect? 1369 01:46:05.760 --> 01:46:12.960 There's been letters of demands and to them threatening league action and receive zero 1370 01:46:13.399 --> 01:46:18.920 response. There's been a number of phone calls to every phone number associated with 1371 01:46:19.079 --> 01:46:25.039 the team and no response back. It's hard to even get the owner to 1372 01:46:25.079 --> 01:46:29.920 pick up the phone anymore. Are Colorado Spartans the only Is this the only 1373 01:46:30.000 --> 01:46:34.079 team there is in Colorado? In Colorado's my knowledge? Yes, And it's 1374 01:46:34.079 --> 01:46:38.439 a brand new team this year, is my understand Now, maybe I should 1375 01:46:38.920 --> 01:46:42.119 amend what I'm saying about the Sleeves Brigade, the sports team. I doubt 1376 01:46:42.159 --> 01:46:46.119 these individual players, you know, I doubt they know they know what's going 1377 01:46:46.159 --> 01:46:48.880 on. It's not like they go in and they're all the players are not 1378 01:46:48.960 --> 01:46:54.239 associated with the payments at all. Yeah. Yeah, So if you're on 1379 01:46:54.279 --> 01:46:58.960 that team. Guys, just know that sounds like your boss might be A. 1380 01:46:59.119 --> 01:47:02.520 So you have a number for the Tony Thompson I do. I can 1381 01:47:02.600 --> 01:47:05.399 pull that up for you real dash. I want you to do it off 1382 01:47:05.399 --> 01:47:08.800 the ar KITCHENA will you get that number? Bo? Why don't you just 1383 01:47:08.840 --> 01:47:11.560 put in a call Deputy Bow if you ken like, just in a couple 1384 01:47:11.600 --> 01:47:14.840 of see if they'll he'll even answer and say, hey man, we're getting 1385 01:47:14.840 --> 01:47:17.720 a call on So I want to put down the hotel specifically again. Okay, 1386 01:47:17.800 --> 01:47:21.680 go ahead. What are the two that you know of? What'd Spring 1387 01:47:21.760 --> 01:47:28.560 sweets? Really? Did you say? Woodbridge? What Spring Spring? An 1388 01:47:28.560 --> 01:47:30.520 extended state hotel? Okay? I never heard of wood Spring. I heard 1389 01:47:30.520 --> 01:47:38.880 of Woodbridge. Okay, So what else? Candlewood suits Candlewood? Okay? 1390 01:47:39.279 --> 01:47:42.600 What about that other one? That the other big one up there that everyone 1391 01:47:42.720 --> 01:47:45.520 stays at at that four corners, I mean, I forget the name of 1392 01:47:45.560 --> 01:47:49.439 it, but there's a big hotel up there. I uh, there's a 1393 01:47:49.520 --> 01:47:56.399 Marriott up here that they I know they stayed at. I was told they 1394 01:47:56.399 --> 01:48:00.159 got a sponsorship from them, but then got kicked out after two days for 1395 01:48:00.239 --> 01:48:06.159 smoking pot. Uh Uh, So we got some We got some gangsters in 1396 01:48:06.239 --> 01:48:11.760 our Colorado spartans. Man. I wonder if they wrecked the rooms like the 1397 01:48:12.079 --> 01:48:15.680 rock stars do. Yes, they did. What there in wood Spring Sweets 1398 01:48:15.680 --> 01:48:20.199 alone, there was over fifteen hundred dollars worth of time success. So wait 1399 01:48:20.239 --> 01:48:26.159 a minute, So you're telling me Wood Springs Suites and the other one, 1400 01:48:26.399 --> 01:48:30.079 what about the other one? They have any damage? I didn't confirm that 1401 01:48:30.199 --> 01:48:39.199 with be Who do you know at these places? I've talked to both of 1402 01:48:39.239 --> 01:48:43.840 the general managers. Really, now, why did you speak to you? 1403 01:48:44.000 --> 01:48:47.399 Now? What is your what is your part in all of this? I 1404 01:48:47.439 --> 01:48:53.479 worked for one of the hotels. Oh which one? Which springs? Okay? 1405 01:48:54.119 --> 01:48:57.960 All right? Tens of thousands of dollars? Why why did he let 1406 01:48:58.000 --> 01:49:02.000 it get up that high? I have no idea. That's why the wind 1407 01:49:02.039 --> 01:49:09.399 Spring one is not that high because of diligent efforts to prevent it from going 1408 01:49:09.600 --> 01:49:14.000 up any high. Oh so it's not at one. At one point it 1409 01:49:14.279 --> 01:49:18.600 was at about nine thousand. They did pay some, they just will not 1410 01:49:18.720 --> 01:49:25.239 pay the full balance. And at Campdlewood Sweep, my understanding is they have 1411 01:49:25.319 --> 01:49:31.319 not paid. Wow, I wonder, okay, all right, so get 1412 01:49:31.359 --> 01:49:34.960 that number and we'll put you on hold, get that number, and then 1413 01:49:35.239 --> 01:49:39.600 we'll figure out what's going on. This is this is weird. This is 1414 01:49:39.640 --> 01:49:44.560 a weird one three oh three seven one three talk seven one three eight two 1415 01:49:44.640 --> 01:49:47.640 five five Phil, what's going on with you? Phil? Welcome to the 1416 01:49:47.640 --> 01:49:51.600 show. What's happening? Phil? Hey? Time? You knew what I've 1417 01:49:51.680 --> 01:49:57.720 called before? Oh yeah, I think I recognize your voice from way back 1418 01:49:58.560 --> 01:50:01.800 you were, you were and all kinds of businesses over the years. What's 1419 01:50:01.920 --> 01:50:06.640 happening in the radio business? That's right? Yeah, and you were? 1420 01:50:08.039 --> 01:50:12.279 Hey Tom, how's your wife go? How's your wife doing? By the 1421 01:50:12.319 --> 01:50:17.840 way, she's saying, all right, she's she's got type two diabetes, 1422 01:50:17.840 --> 01:50:23.720 a couple of much spots in her lungs, and she's gonna walk very well. 1423 01:50:24.479 --> 01:50:28.199 We've been married for sixty years and well it's too late to give her 1424 01:50:28.319 --> 01:50:32.159 up. Then. I know, Hey, Tom, I'm wanting to ask 1425 01:50:32.279 --> 01:50:39.600 you. I have a I have a dog. She's five years old. 1426 01:50:40.000 --> 01:50:45.079 Her name's Daisy, and she's a Border Collie. Oh my god. Border 1427 01:50:45.119 --> 01:50:56.199 colleagues are the smartest, and she's very intelligent. So I was with I'm 1428 01:50:56.239 --> 01:51:01.079 trying to think of the pet smart. Yeah, I was Oh, that 1429 01:51:01.199 --> 01:51:05.880 Banfield Hospital. We get a lot of complaints about them. Yeah. Well 1430 01:51:06.039 --> 01:51:12.560 I've been going there with Daisy and I had a payment planned. Well, 1431 01:51:12.920 --> 01:51:15.760 a payment plan so white, I mean, like you pay regular payments for 1432 01:51:15.960 --> 01:51:20.159 vet care. It's like on ann installment plan or was it a specific procedure 1433 01:51:20.319 --> 01:51:26.399 or visit no visit. It's like forty dollars a month. I was paying. 1434 01:51:26.720 --> 01:51:29.079 And what does that get on you? What? What does the forty 1435 01:51:29.119 --> 01:51:35.880 bucks a month get you? Oh? Examination? Blood working like that? 1436 01:51:35.960 --> 01:51:40.359 So is it like is it like health insurance? Almost? You pay every 1437 01:51:40.399 --> 01:51:45.000 month and then you right right, right right. So what happened was I 1438 01:51:45.039 --> 01:51:50.720 went in there per visit and she said you didn't pay. I said, 1439 01:51:50.720 --> 01:51:55.960 well, I got auto pay. You take it out of my bank account 1440 01:51:56.000 --> 01:52:00.640 each month. Well, she said, well didn't go through. So I 1441 01:52:00.680 --> 01:52:08.760 gave him my debit card and it went through. Did the visit The next 1442 01:52:08.800 --> 01:52:14.680 month? They called me and they told me that it was a wrong credit 1443 01:52:14.680 --> 01:52:15.920 card. I said, wait a minute, Wait a minute, wait a 1444 01:52:15.920 --> 01:52:19.520 minute, let's get this stuff straightened out. Well, did you check with 1445 01:52:19.600 --> 01:52:24.920 your bank to make sure you weren't auto paying all those months? Oh? 1446 01:52:25.000 --> 01:52:28.000 Yeah, I was paying all of those months. Well, what I'm saying 1447 01:52:28.079 --> 01:52:30.000 is no, No. What I'm asking phil is were they wrong when they 1448 01:52:30.039 --> 01:52:32.840 said you weren't paying? Were you actually paying and they didn't know it? 1449 01:52:32.920 --> 01:52:38.239 Or what? Well? I was paying and they said that no, I 1450 01:52:38.319 --> 01:52:43.520 did not pay and I showed them my uh no no that okay? Well 1451 01:52:43.560 --> 01:52:46.399 then did you did they take too much from you? Because you paid them 1452 01:52:46.439 --> 01:52:50.439 again? Okay? And I told him, I said, don't call me 1453 01:52:50.520 --> 01:52:55.159 again. I looked for a different vet. They called me, and the 1454 01:52:55.239 --> 01:53:00.640 woman room was so wait, so you stopped going to them? Going to 1455 01:53:00.680 --> 01:53:03.800 them? Right? I stopped going to them. She's missing a couple of 1456 01:53:03.960 --> 01:53:11.399 shots right now, a foul mos shot or something else. Yeah, I'm 1457 01:53:11.520 --> 01:53:15.319 just looking for a good vet. That what part of town are you in? 1458 01:53:15.600 --> 01:53:18.880 What part of your town? I'm in a lot of Colorado. Why 1459 01:53:18.920 --> 01:53:21.800 do you want to do why do you want to do payments? I'm just 1460 01:53:21.880 --> 01:53:28.880 curious about that. I don't know. Everything else is car payments. But 1461 01:53:29.039 --> 01:53:32.600 I don't like the idea of payments because I mean, what you just pay 1462 01:53:32.640 --> 01:53:35.000 for what you need when you need it. Why would you want you know, 1463 01:53:35.079 --> 01:53:39.039 a five year old Border Collie is not going to be You're not going 1464 01:53:39.079 --> 01:53:44.039 to be riddled with a lot of VET bills, right, I mean, 1465 01:53:44.119 --> 01:53:47.000 so if she needs some shots, even if it costs you, let's say, 1466 01:53:47.399 --> 01:53:50.000 one hundred and fifty bucks, I mean, why would you want to 1467 01:53:50.000 --> 01:53:53.680 be on a payment plan where you pay every month? Matter? That's true, 1468 01:53:54.159 --> 01:53:58.239 that's true. I just like everything going to my bank account. You 1469 01:53:58.279 --> 01:54:00.199 know, well, you can still do you can still do that. I 1470 01:54:00.640 --> 01:54:03.720 just don't get the idea of these payment plans, and I don't know of 1471 01:54:03.840 --> 01:54:08.600 many vet VET clinics that do it like that, because first of all, 1472 01:54:08.600 --> 01:54:11.680 it's hazy. How much do you get and how much when do you have 1473 01:54:11.760 --> 01:54:14.279 to pay extra? And all of that. That's the weird part, you 1474 01:54:14.319 --> 01:54:18.359 know. I don't know what to tell you on that. Now. There 1475 01:54:18.399 --> 01:54:24.399 are plenty of good vets around. Here's the problem. A lot of a 1476 01:54:24.439 --> 01:54:28.960 lot of private equity are buying up vets and they're making groups large groups of 1477 01:54:29.159 --> 01:54:32.000 hospitals, and they're not very value minded. I mean, you know, 1478 01:54:32.199 --> 01:54:36.319 the days of the good old fashioned neighborhood vet. I don't even know if 1479 01:54:36.319 --> 01:54:42.680 we have any anymore, but I imagine I imagine people will call in after 1480 01:54:42.720 --> 01:54:45.960 hearing this and then downloading it. For sure, we're going to get a 1481 01:54:45.000 --> 01:54:49.439 lot of recommendations for you. Well, I hope. So she's a very 1482 01:54:49.479 --> 01:54:56.479 smart dog. I hate you know. Oh there, they're too smart. 1483 01:54:57.479 --> 01:55:00.640 She's spoiled too. Yeah, she's gonna she she can beat you at checkers, 1484 01:55:00.680 --> 01:55:05.039 man, for sure. I mean she tho. Those dogs are smart. 1485 01:55:05.319 --> 01:55:10.560 They're the number one dog as far as intelligence scale. Now does she 1486 01:55:10.760 --> 01:55:14.760 ever do any hurting instinct on anything? Has she ever tried? Yes? 1487 01:55:15.079 --> 01:55:19.439 Yes, I got her in Montana. Is she black and white? Black 1488 01:55:19.520 --> 01:55:26.640 and white? She's got brown eyebrows, beautiful teeth, not no target her 1489 01:55:26.800 --> 01:55:31.039 teeth at all? You have Do you take her regularly for teeth cleanings? 1490 01:55:31.560 --> 01:55:35.399 Oh? Yes, that's what I was doing. Okay, No, I 1491 01:55:35.399 --> 01:55:38.960 get what you're saying. Yeah, I know where you like that. I 1492 01:55:38.960 --> 01:55:41.439 don't know of anybody who does these months of pass Susan. Have you ever 1493 01:55:41.479 --> 01:55:45.039 even heard of these monthly plans before? I know you always have critters. 1494 01:55:45.600 --> 01:55:47.880 Have you heard of them? Have you done with Jackson? Yes, sir, 1495 01:55:47.960 --> 01:55:50.600 so did you do it with yours? Well? I had a great 1496 01:55:50.680 --> 01:55:56.319 Dane and for the first two years because all the problems with Danes and shots 1497 01:55:56.319 --> 01:56:00.439 and no man all that stuff, and yeah, we went to pat Smart 1498 01:56:00.479 --> 01:56:02.920 and we also did their training programs. But after the two years were up, 1499 01:56:03.159 --> 01:56:05.840 it didn't make sense anymore, because you're right, as soon as you 1500 01:56:05.880 --> 01:56:10.840 get past all those initial shots, you don't need to go what but more 1501 01:56:10.880 --> 01:56:13.880 than once or twice a year, So you might as well just pay when 1502 01:56:13.920 --> 01:56:16.760 you use it rather than so you don't have to obligate yourself. Is it 1503 01:56:16.800 --> 01:56:19.680 month to month or is it a yearly thing? Or what you can do 1504 01:56:19.720 --> 01:56:26.840 either? Hey, did you ever think phil of giving another pet Smart chance? 1505 01:56:26.840 --> 01:56:30.279 Maybe another band field location? Maybe? Well? You know, they 1506 01:56:30.720 --> 01:56:34.800 they turned me into a collection agency. They said I owed them eight hundred 1507 01:56:34.840 --> 01:56:41.399 and fifty dollars. My contract shows only four hundred and twenty five dollars a 1508 01:56:41.479 --> 01:56:46.000 year for visits. I have no idea. So you're right now they're coming 1509 01:56:46.039 --> 01:56:51.479 after you. Huh. Well, no, they dig my credit. I 1510 01:56:51.520 --> 01:56:57.239 got perfect credit. I got a one credit. But I don't know why 1511 01:56:57.279 --> 01:57:00.000 they did that. That's stinks, man. I don't know why either. 1512 01:57:00.079 --> 01:57:02.760 Yea, all right, I got to take a break. But hold on 1513 01:57:02.800 --> 01:57:06.199 a sec, Hold on a sec. Anybody who knows any good vets out 1514 01:57:06.199 --> 01:57:10.199 in our Vada area, will you give us the call? Please? Or 1515 01:57:10.279 --> 01:57:14.159 write to us help at Troubleshooter dot com. Phil, We'll get you know. 1516 01:57:14.600 --> 01:57:16.000 You can call us back. We'll get somebody. I'm sure we'll get 1517 01:57:16.039 --> 01:57:27.079 recommendations. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1518 01:57:27.119 --> 01:57:32.680 You don't pay a cent until you're content. Please time for an insurance check 1519 01:57:32.800 --> 01:57:39.000 up free, no obligation comparison call Compass Insurance paying too much your coverage at 1520 01:57:39.000 --> 01:57:42.720 dozens of insurance companies find out now three O three seven to seven to one 1521 01:57:42.840 --> 01:57:45.479 help. You'll think you're his only customer when you choose Frank durand the real 1522 01:57:45.560 --> 01:57:50.159 estate Man dot com to list your home with Remax Alliance three oh three nine 1523 01:57:50.159 --> 01:58:00.199 two zero sixteen twenty two. Hey Tom Martino here three three, I've had 1524 01:58:00.279 --> 01:58:03.399 one three talk seven one three eight two five five Denver Regen dot com. 1525 01:58:03.439 --> 01:58:06.319 Don't forget weight loss starting at two hundred and fifty bucks for some of glue 1526 01:58:06.319 --> 01:58:15.399 tide compounded. That's Denver Region dot com. Okay, so we are caught 1527 01:58:15.439 --> 01:58:18.800 talking to Cassie now she needs help collecting a judgment. Well, today's business 1528 01:58:18.920 --> 01:58:25.359 day or or you know the other side day. What's going on? Cassie? 1529 01:58:26.039 --> 01:58:29.319 Hi? Tom, how are you good? What's happening? Okay? 1530 01:58:29.359 --> 01:58:33.039 So I have a judgment against the bar for an old bar called Rogan's Pub. 1531 01:58:34.000 --> 01:58:39.680 What happened? So she didn't pay me minimum wage for over two and 1532 01:58:39.720 --> 01:58:43.800 a half years, And well, well, but you must have known something 1533 01:58:43.920 --> 01:58:47.239 was wrong with that during that time. No, no, no, So 1534 01:58:47.399 --> 01:58:55.279 when she has fired me basically abruptly, illegally for some stupid things, I 1535 01:58:55.319 --> 01:58:58.239 had told her I wanted my money. No, no, wait a minute, 1536 01:58:58.319 --> 01:59:00.560 so so hold on, you said you want your money. This is 1537 01:59:00.560 --> 01:59:04.279 what I understand. Then you knew you were owed money? You were you 1538 01:59:04.319 --> 01:59:09.439 were working there for how much an hour? Let's start there, seven to 1539 01:59:09.479 --> 01:59:12.560 fifty an hour is what I was working at. Now what I want to 1540 01:59:12.600 --> 01:59:17.119 know is were you considered a server? I was a bartender. Okay, 1541 01:59:17.479 --> 01:59:21.920 I don't know much about this kind of work. But isn't the minimum wage 1542 01:59:21.920 --> 01:59:28.479 for servers and bartenders lower than it is for other workers because the state figures 1543 01:59:28.520 --> 01:59:32.840 you're going to get tips? Okay? So for tips employees at that time, 1544 01:59:32.920 --> 01:59:36.319 it was eight dollars an hour. Okay, So you were still being 1545 01:59:36.439 --> 01:59:41.960 underpaid, yes, ma'am, yes, So each and how long did you 1546 01:59:42.039 --> 01:59:45.079 work there? How many years, two and a half years. So for 1547 01:59:45.119 --> 01:59:48.720 the whole two and a half years, did you put a pencil to it 1548 01:59:49.000 --> 01:59:56.159 and figure out what you were underpaid? So when she okay, so what 1549 01:59:56.520 --> 01:59:59.920 exactly like the whole thing? How it brought up because she owes me not 1550 02:00:00.199 --> 02:00:04.359 thousand dollars the state of Colorado awarded me is because she paid me not only 1551 02:00:05.000 --> 02:00:09.520 on the low minimum wage for two and a half years, but we also 1552 02:00:09.560 --> 02:00:14.239 worked through COVID. We weren't supposed to be open to COVID, and so 1553 02:00:14.279 --> 02:00:16.680 she owed me a paycheck through COVID and she didn't want to pay because she 1554 02:00:16.720 --> 02:00:21.159 said it was she had to report it to the unemployment Mind, you done 1555 02:00:21.159 --> 02:00:25.840 it. But you were awarded already, right, so you already won this? 1556 02:00:26.640 --> 02:00:29.600 So nice? Was this in small claims court? Or was this a 1557 02:00:29.640 --> 02:00:33.720 hearing? They said to go through small they said, like, the only 1558 02:00:33.720 --> 02:00:36.119 way I'd be able to collect it is if she didn't pay it is through 1559 02:00:36.199 --> 02:00:40.079 small claims court. I've already tried everything up there. Now here's what I'm 1560 02:00:40.079 --> 02:00:43.880 asking money from her. The actual you said, finding from the Division of 1561 02:00:43.920 --> 02:00:48.079 Employment? What what was that? Did you have a hearing? Nine thousand 1562 02:00:48.119 --> 02:00:51.960 dollars? Yeah, but did you Was it a hearing or was it just 1563 02:00:53.039 --> 02:01:00.520 an opinion? No, hearing. I didn't go to court. Court, 1564 02:01:00.720 --> 02:01:06.159 not court. Listen, the division did. They investigated what is the nine 1565 02:01:06.319 --> 02:01:13.199 thousand dollars? It's not a judgment, that's what they called it for. 1566 02:01:13.239 --> 02:01:15.600 It was for a judgment that well, then they did go to court, 1567 02:01:16.720 --> 02:01:20.479 yeah, for her, but I didn't. Oh, they took her to 1568 02:01:20.560 --> 02:01:27.319 court directly. Yes, okay, are you sure so you actually have right 1569 02:01:27.359 --> 02:01:32.199 now in your name a nine thousand dollars judgment? Yes? Man, yes, 1570 02:01:32.199 --> 02:01:36.920 sir, Okay, she is on the state of Colorado wage theft I 1571 02:01:38.039 --> 02:01:41.479 get it. Yeah, yeah, no, I know about that site. 1572 02:01:41.520 --> 02:01:44.239 As a matter of fact, what is that site again? I love that 1573 02:01:44.359 --> 02:01:48.399 site. It's like a Colorado wage theft thing for bars. Yeah, there's 1574 02:01:48.479 --> 02:01:51.239 a lot of people, there are a lot of It's like the Sleeves Brigade 1575 02:01:51.239 --> 02:01:56.600 for employers. Here's okay, she worked as a bar. You worked at 1576 02:01:56.640 --> 02:01:59.800 a bar in two and a half years and was paid less than minimum wage 1577 02:01:59.840 --> 02:02:03.560 and got a judgment. Okay, well that's good then. But but what 1578 02:02:03.640 --> 02:02:08.880 I don't understand is they told you you'd have to go to court again to 1579 02:02:08.960 --> 02:02:13.840 collect that judgment basically, yes, okay, And I wouldn't do that. 1580 02:02:14.000 --> 02:02:17.680 I would go to a collection attorney. Okay. I I had went to 1581 02:02:17.680 --> 02:02:23.039 a collection attorney. They told me that if she filed bankruptcy, then I'm 1582 02:02:23.079 --> 02:02:27.960 basically another creditor, not for not for No, I don't think so, 1583 02:02:28.159 --> 02:02:31.199 I don't think for employees you are? I think I don't know. But 1584 02:02:31.840 --> 02:02:36.920 first of all, do you think she's going to go bankrupt? Well, 1585 02:02:38.000 --> 02:02:41.000 she sold her the business was sold underneath her. It wasn't her business to 1586 02:02:41.079 --> 02:02:45.159 own. But I so, wait, she doesn't hold on so she's not 1587 02:02:45.239 --> 02:02:49.279 even there anymore. No, she's not. It is a bar that is 1588 02:02:49.319 --> 02:02:56.399 no longer there. Oh so is the judgment against her personally or the entity? 1589 02:02:56.560 --> 02:03:00.319 Yes, against her and her business personally, but it is against her 1590 02:03:00.399 --> 02:03:04.800 personally. Yes, all right? What about if you go to small claims 1591 02:03:04.840 --> 02:03:10.640 court you can get at least seventy five hundred of it. Okay, let 1592 02:03:10.680 --> 02:03:14.960 me ask you somebody, does she own a home? As far as I 1593 02:03:15.039 --> 02:03:17.359 know, I don't know too much about this. You see, you need 1594 02:03:17.479 --> 02:03:21.600 you need a collection attorney. I'll tell you why, just to explore it, 1595 02:03:21.720 --> 02:03:28.399 because because you need to she bankruptcy. They're right, she could go 1596 02:03:28.479 --> 02:03:34.079 bankrupt. But if you have a judgment already, you can go put a 1597 02:03:34.119 --> 02:03:39.600 lien on her house. I tried to. I actually do have. I 1598 02:03:39.640 --> 02:03:44.680 have a put a lien on her business at the time before she sold it, 1599 02:03:44.720 --> 02:03:46.600 before the landlord sold it, I had put a lien on it. 1600 02:03:46.640 --> 02:03:49.600 So there is a lean on the state of card of four her a lien 1601 02:03:49.720 --> 02:03:55.600 on what there is no business about her own business, Well, there's no 1602 02:03:55.680 --> 02:04:00.600 business. I mean. What I'm saying is if she is personally on the 1603 02:04:00.680 --> 02:04:06.720 hook for a nine thousand dollars judgment, then she is personally going to be 1604 02:04:06.840 --> 02:04:14.840 responsible, meaning anything she owns so or any bank accounts, I mean anything. 1605 02:04:15.520 --> 02:04:17.399 So, but you don't know how to do this. That's why I'm 1606 02:04:17.439 --> 02:04:21.760 telling you how to do it. Yeah, you get a collection attorney because 1607 02:04:21.800 --> 02:04:25.119 you don't know how to do it. But if you didn't know how to 1608 02:04:25.159 --> 02:04:30.520 do it, you would do a writ of garnishment. First of all, 1609 02:04:30.560 --> 02:04:35.039 you do interrogatories and you'd ask where her bank accounts are and accounts receivable, 1610 02:04:35.079 --> 02:04:41.279 any money, any house, any equity, whatever. Then if she doesn't 1611 02:04:41.319 --> 02:04:45.680 answer the interrogatories, she actually can get a warrant for her arrest for contempt 1612 02:04:45.720 --> 02:04:50.680 of court. And then what you do is you go about just a long 1613 02:04:50.800 --> 02:04:58.439 process. You tell you have to enforce it. So really you need to 1614 02:04:58.520 --> 02:05:01.520 get someone who knows what they're doing. Did you actually talk to a collection 1615 02:05:01.600 --> 02:05:06.520 attorney? Yes, and they told me that who's theyre? You talked to 1616 02:05:08.000 --> 02:05:12.720 one attorney to an attorney and they said, basically, if I went after 1617 02:05:12.760 --> 02:05:15.800 her, it's going to cost me more to go after her, So basically 1618 02:05:15.800 --> 02:05:17.680 the whole nine times. Well, that tells me. That tells me they're 1619 02:05:17.680 --> 02:05:23.800 morons. Okay, those attorneys put them down, put a check near their 1620 02:05:23.840 --> 02:05:27.760 name. They're morons. If they're collection attorneys, they know that they can 1621 02:05:27.840 --> 02:05:32.079 add collection costs to the to the judgment. They also know that their statutory 1622 02:05:32.119 --> 02:05:39.119 interest. They also know that some do it for a contingency fee. So 1623 02:05:39.399 --> 02:05:43.479 whoever you talk to, they're not collection attorneys. Did you know how did 1624 02:05:43.520 --> 02:05:47.800 you find these attorneys? I looked it up online and did they say they 1625 02:05:47.840 --> 02:05:53.279 were collection attorneys? Yeah? Okay, well you didn't find I had my 1626 02:05:53.319 --> 02:05:56.039 paperwork on me. I would I would be able to tell you the name 1627 02:05:56.079 --> 02:05:58.319 of the attorney, but I don't have my paper for company right now. 1628 02:05:59.600 --> 02:06:03.640 You need find truly a collection attorney, and we can tell you where to 1629 02:06:03.680 --> 02:06:08.520 start. But I don't know if he'll take it. I mean he might, 1630 02:06:09.199 --> 02:06:14.199 but you know, it depends. If they don't think she has anything. 1631 02:06:14.520 --> 02:06:17.479 You need to do some research. You need to do some research first 1632 02:06:17.479 --> 02:06:20.960 to see if she has anything. That's probably why they don't want to take 1633 02:06:21.000 --> 02:06:27.319 it. Okay, because if she has a home with equity, you're gonna 1634 02:06:27.319 --> 02:06:30.720 get it, gonna you're gonna win. Okay, find that out first. 1635 02:06:31.079 --> 02:06:34.520 You can get her address. Once you get her address, you can run 1636 02:06:34.800 --> 02:06:39.720 an o ane on the property. You can find out what it's worth and 1637 02:06:39.760 --> 02:06:43.640 what is owed on it. Okay, Okay, why don't you just do 1638 02:06:43.760 --> 02:06:47.840 that and then call us back. I'll mark this as a pending and then 1639 02:06:47.920 --> 02:06:54.279 you can call us back. Go with a sure thing Denver's Best roofer Excel 1640 02:06:54.399 --> 02:07:00.159 roofing dot com. You don't pay a cent until you're content. Time for 1641 02:07:00.199 --> 02:07:04.560 an insurance check up free, no obligation. In comparison, call Compass Insurance 1642 02:07:04.720 --> 02:07:09.720 paying too much your coverage at dozens of insurance companies. Find out now three 1643 02:07:09.720 --> 02:07:12.800 oh three, seven to seven to one help. You'll think you're his only 1644 02:07:12.920 --> 02:07:15.720 customer when you choose Frank durand the real estate man dot com to list your 1645 02:07:15.760 --> 02:07:27.000 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi 1646 02:07:27.159 --> 02:07:30.399 Tom Martino here three three seven one three talk seven one three eight two five 1647 02:07:30.520 --> 02:07:33.600 five. Dan McKenzie can do wills, trust, probate, keep you out 1648 02:07:33.640 --> 02:07:38.800 of probate. If somebody just dies you need help mackenzie law. By the 1649 02:07:38.840 --> 02:07:42.279 way, we like Dan. He's a great expert and he can even help 1650 02:07:42.319 --> 02:07:45.720 you devise a plan that controls your heirs. Actually, if you don't trust 1651 02:07:45.800 --> 02:07:50.119 him completely with your stuff, I mean you can or you can make it 1652 02:07:50.199 --> 02:07:59.039 simple eight three three co plans eight three three co plans. So Greg's got 1653 02:07:59.039 --> 02:08:03.680 a question on capital gains. Greg, what's going on? Hi, my 1654 02:08:03.880 --> 02:08:07.239 sister, her husband recently died, my brother in law. She lives in 1655 02:08:07.319 --> 02:08:13.800 Ohio. They bought a house almost nine years ago for one hundred and seventy 1656 02:08:13.800 --> 02:08:18.279 five thousand dollars, and we're trying to figure out if she will owe capital 1657 02:08:18.399 --> 02:08:24.840 gains if she's able to sell the home for about two hundred I assume I 1658 02:08:24.920 --> 02:08:31.720 assume they had joint tenancy as a husband and wife. That is correct. 1659 02:08:31.920 --> 02:08:37.000 So what's going to happen is they own it together, his half will go 1660 02:08:37.039 --> 02:08:39.640 to her, but on a stepped up basis, So she's going to have 1661 02:08:41.439 --> 02:08:46.520 a weird basis. For example, what did they buy it for one seventy 1662 02:08:46.600 --> 02:08:50.319 five? Okay, so what's it worth? Now? It's worth two seventy 1663 02:08:50.399 --> 02:08:54.399 five, but they may that's all in all this time, hunh just it's 1664 02:08:54.399 --> 02:08:58.640 only worth one hundred grand more. It's only worth one hundred grand more. 1665 02:08:58.680 --> 02:09:03.520 But there's this is rural Ohio, okay, so it's worth two seventy five 1666 02:09:03.640 --> 02:09:07.439 now, So if it's worth two seventy five at the time of death, 1667 02:09:09.159 --> 02:09:13.840 right, you divide that by two and she gets half of that stepped up 1668 02:09:13.880 --> 02:09:18.800 basis. So her basis is going to be let's round it off to like 1669 02:09:18.960 --> 02:09:24.560 one forty for his half, and then her half is gonna be I forget 1670 02:09:24.600 --> 02:09:28.600 what you said, but it's gonna be whatever her half was originally plus the 1671 02:09:28.600 --> 02:09:35.800 one forty will be her new basis plus plus whatever improvements permanent improvements they put 1672 02:09:35.840 --> 02:09:41.680 into the home. So you said they paid one hundred and seventy five originally, 1673 02:09:41.760 --> 02:09:45.680 right, So okay, okay, so that shouldn't be too hard to 1674 02:09:45.680 --> 02:09:48.359 figure out. So you're gonna have about ninety and one hundred and forty ninety 1675 02:09:48.399 --> 02:09:54.279 plus one forty. It will be her new basis of two thirty. So 1676 02:09:54.560 --> 02:09:58.640 you say it's gonna sell for less than that, right? Or no, 1677 02:09:58.640 --> 02:10:01.840 No, two seventy five. She's going to have a little bit of gain, 1678 02:10:05.560 --> 02:10:11.359 that's it. So she'll have let's say it sells for two eighty. 1679 02:10:11.359 --> 02:10:15.640 I'm trying to keep it simple. So then she has fifty thousand dollars in 1680 02:10:15.720 --> 02:10:18.720 gain. Right, So if she has fifty, go ahead, they put 1681 02:10:18.800 --> 02:10:26.359 improvements, and they did fence, a generator and a two car detached grind. 1682 02:10:26.479 --> 02:10:30.039 Okay, well, help, she might be able to absorb that extra 1683 02:10:30.119 --> 02:10:35.000 fifty. Do you think they put more than fifty into it? Yes, 1684 02:10:35.239 --> 02:10:39.560 Well, then she has nothing her basis. Her basis will be that two 1685 02:10:39.640 --> 02:10:48.840 thirty plus impermanent improvements. Actually, so you know, but tell her she 1686 02:10:48.880 --> 02:10:52.039 doesn't get to step up the basis on the whole house. She only gets 1687 02:10:52.079 --> 02:11:00.359 to step it up on her on his half. Got it perfect, Thank 1688 02:11:00.399 --> 02:11:03.279 you, no problem. And I'm sorry to hear that her husband died. 1689 02:11:03.319 --> 02:11:09.319 I hope she's doing well. Three oh three seven one three talk seven one 1690 02:11:09.359 --> 02:11:11.039 three eight five A. Now I took the forty five. I'm all caught 1691 02:11:11.119 --> 02:11:16.319 up right or not, I'm not. I don't like you dragon, You're 1692 02:11:16.319 --> 02:11:18.560 a pain in the ass. Yes, says I have to take another break. 1693 02:11:18.640 --> 02:11:22.640 By the way, Grossman Wellness is a concierge doc. I love it. 1694 02:11:22.000 --> 02:11:26.199 See I'm a member there so much a month, few hundred bucks a 1695 02:11:26.199 --> 02:11:31.479 month. It includes all blood work every three months, supplements, even prescriptions. 1696 02:11:31.520 --> 02:11:35.520 Seriously, and it's like, in my opinion, better than health insurance. 1697 02:11:35.520 --> 02:11:37.239 But I also have health insurance. I don't want to mislead you. 1698 02:11:37.640 --> 02:11:43.560 Grossmanwellness dot com. Grossmanwellness dot Com for two hundred and fifty bucks, you 1699 02:11:43.640 --> 02:11:46.600 can find out exactly where you stand with blood work and an exam, and 1700 02:11:46.640 --> 02:11:50.279 if you want to continue fine. If not, no problem, Grossmanwellness dot 1701 02:11:50.319 --> 02:11:56.199 Com. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1702 02:11:56.239 --> 02:12:03.439 You don't pay a cent until you're content. Time for an insurance checkup free, 1703 02:12:03.479 --> 02:12:07.000 no obligation. In comparison, call Compass insurance paying too much your coverage 1704 02:12:07.000 --> 02:12:11.279 at dozens of insurance companies. Find out now three all three, seven, 1705 02:12:11.359 --> 02:12:15.039 seven to one help. You'll think you're his only customer when you choose Frank 1706 02:12:15.079 --> 02:12:18.640 durand the real estate man dot com to list your home with Remax Alliance three 1707 02:12:18.720 --> 02:12:31.479 oh three nine two zero sixteen twenty two. Hi Tom Martino, you're a 1708 02:12:31.520 --> 02:12:35.840 troubleshooter. Three O three seven one three talk seven one three eight two five 1709 02:12:35.000 --> 02:12:41.520 five. Hey, we have run out of time. So we also have 1710 02:12:41.680 --> 02:12:45.359 Deputy Bow in the house that were working on stuff we had. I'm not 1711 02:12:45.399 --> 02:12:48.279 going to mention anybody else, but there's someone else looking at being a deputy, 1712 02:12:48.359 --> 02:12:50.479 and I'm not going to put pressure on her. So I'm not mentioning 1713 02:12:50.479 --> 02:12:52.800 her name, and I'm not mentioning anything because she may not want to do 1714 02:12:52.840 --> 02:12:54.359 it. But I will tell you this, it would be the first female 1715 02:12:54.439 --> 02:13:00.279 deputy we ever had ever. I don't know why I didn't design it that 1716 02:13:00.319 --> 02:13:05.399 way. I never said I don't want a female debut. Sue's shame on 1717 02:13:05.439 --> 02:13:07.840 you. Why don't we have a female deputy meeting? No, this is 1718 02:13:07.880 --> 02:13:11.880 gonna be great if she decides. Why is that? Huh? So? 1719 02:13:11.960 --> 02:13:16.079 Anyway, Jackson, I appreciate you being here. Man. Now, Jackson, 1720 02:13:18.279 --> 02:13:20.960 I'm going to give you a business quiz. What business are you in? 1721 02:13:22.399 --> 02:13:28.039 The service business? I service customers, that's right, and the lead 1722 02:13:28.079 --> 02:13:31.079 acquisition business. Right, you want to get customers to service. Right. 1723 02:13:31.600 --> 02:13:33.880 But if you said I'm in the gutter business, I said, no, 1724 02:13:33.920 --> 02:13:37.039 you're not. Your your employees are. Although you probably know the business now, 1725 02:13:37.079 --> 02:13:39.319 don't you. Could you install it? Oh? Absolutely? Oh you 1726 02:13:39.319 --> 02:13:43.359 could so. Oh you're one of these guys that do it all. I 1727 02:13:43.439 --> 02:13:46.960 started. So when I was sixteen seventeen, we started. I started doing 1728 02:13:46.960 --> 02:13:48.680 home improvements. As far as actual installation. Yeah, but you were you 1729 02:13:48.760 --> 02:13:52.319 were working for national corporations doing that, right, But you learned how right, 1730 02:13:52.359 --> 02:13:56.279 and then and then you became your own man. Well, actually, 1731 02:13:56.800 --> 02:14:01.000 I grew up through Sears home improvements, and I learned how things are put 1732 02:14:01.000 --> 02:14:03.399 together and how to sell them, and I grew up. Were you a 1733 02:14:03.520 --> 02:14:07.840 tin man? No? No, remember those days? Okay, I've seen 1734 02:14:07.840 --> 02:14:11.000 the movie to you you're too old. No, you're way too young. 1735 02:14:11.359 --> 02:14:15.960 So how long you've been doing your keguard keguard? I've owned this for seven 1736 02:14:16.039 --> 02:14:18.399 years now, and before that you were doing home improvements. I've been in 1737 02:14:18.439 --> 02:14:22.560 the home improvement game off and on for about twenty and part of it was 1738 02:14:22.640 --> 02:14:24.920 finance. So yes, I learned how to install it, sell it, 1739 02:14:26.079 --> 02:14:28.680 run it, finance it, and then open my own. So are you 1740 02:14:30.239 --> 02:14:33.560 doing financing with keguard if people need to finance it? Yes, sir, 1741 02:14:33.760 --> 02:14:35.640 Oh cool, So you have in house or what do I call in house? 1742 02:14:35.680 --> 02:14:39.760 But you arrange it. Yeah. So the company we use is inner 1743 02:14:39.800 --> 02:14:43.079 Bank. They're based out of Californa. Is it anything like same as cash? 1744 02:14:43.159 --> 02:14:46.560 We have that option twelve months, same as cash. So what's nice 1745 02:14:46.560 --> 02:14:50.760 about inner Bank is there's no lean on the property. There's no attachment. 1746 02:14:50.760 --> 02:14:54.920 It's a signature loan. Oh that's pretty cool. And so do you find 1747 02:14:54.920 --> 02:14:58.000 a great percentage of people need that or do most people pay? No, 1748 02:14:58.199 --> 02:15:03.680 most people that are in the business for you know, a specialty item like 1749 02:15:03.680 --> 02:15:07.439 ours, they come check her credit card. On track homes, what is 1750 02:15:09.199 --> 02:15:13.000 the normal cycle for putting new stuff on? So usually your gutters are gonna 1751 02:15:13.039 --> 02:15:16.960 last about twenty twenty five years, but not on a track home, I 1752 02:15:16.000 --> 02:15:20.279 won't. Well, maybe it comes down to the support from the facialboard. 1753 02:15:20.399 --> 02:15:24.680 So if the if the facial board is really nailed into the raftertails sure, 1754 02:15:24.840 --> 02:15:28.000 But so anyway, you give them a call three oh three four seven six 1755 02:15:28.079 --> 02:15:31.680 forty three twenty three four seven six forty three twenty three. Pleasure having you 1756 02:15:31.800 --> 02:15:37.279 k guard rockymountains dot com. Okay, folks, don't forget three oh three 1757 02:15:37.279 --> 02:15:39.680 Martino. Call twenty four to seven for help, information, referrals, and 1758 02:15:39.760 --> 02:15:41.199 save all your problems for me.