Y'all ripped news, You need advice? Who you don't have? Come running
successes? We can show Shooter's gonna help come man. This is the Troubleshooter
Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three oh three seven one three talk three oh three seven one three
eight two five five. What's going on in your life today? Don't sit
on problems, questions, complaints, curiosities, paints in the ass. Do
something about it. The only place really where we discuss this stuff. Think
about that. Today We're gonna be talking a little bit about taxes because we
have a few days to file. Of course, we can also do an
extension. I imagine a lot of people do extensions. What is on your
mind? Well, here's the deal we have Steve Saysik with us from Larson
Tax Relief. I don't know if it's safe to call them a tax attorney,
but that's his area of specialties. Wouldn't that be what you call Steve?
What you call yourself? Yeah, I mean I work with I am
an attorney, and I work with Larson as an enrolled agent for their collections.
Some things that man nature. But I also have an attorney yeah,
and so you have handled tax cases and you negotiate with the irs, and
what's the most common issue collection for us? The stuff that Larson handles is
typically nine forty one, which is the wage and withholding return. Oh that
one. Yeah, that's that's for at least for me and myself. That
what does that mean? Nine forty one? So when you're in business,
you file at nine forty one? What every quarter? Is it? Yeah?
You file those every quarter for that It tells you how many employees and
how much you pay, and then they tell you how much you owe.
Right, so you're supposed to take money out of your employees paycheck and you
tell them that, right, Plus don't you have to match it or what
do there's a portion of that you have a corporate portion, you have a
matching portion as an employer, and that's called the part you put into that
fund then or you collect as a trust exactly correct, And that's held in
trust for the state, seld and trust for the employee. Right right,
then you pass it on data day rs that amount that you say, I'm
going to pay you fifty bucks, but you're only getting thirty six because I'm
going to hold this for your taxes. Now, if you in the past,
we've had Don Iiley, this guy, it was the famous case.
I know you guys took a lot of their cases and helped people. But
what happened was Don Ailey was famous. He made this famous. What he
did was he would get nine forty one reports from his clients. So he's
an accountant, right, So his clients ABC and X y Z would report
the accurate number of employees, the accurate number of withholdings, and they would
forward to check to his trust account right, and they expected or they'd give
him access to their own accounts and stay with from market. He was in
charge of making the nine forty ones for his clients. That's not unusual to
have an accountant do a nine forty one for your business. Sure, payroll
companies do it all the time. So he, in essence was a payroll
company for the kind of you. So he would do all the legal stuff.
But so what he would do is take company ABC or XYZ who reported
all of the accurate stuff and report that they had no employees or few employees,
sure, and pay into the IRS on the nine forty one what appeared
to be the correct amount for what he reported correct, So there was levels
of fraud there. So it was really so there was no way for the
irs to know that there was any fraud going on because the CPA is filing
saying, here's how many employees, here's what we owe, here's the check.
Right then the employer would not know because they're never going to get a
notice of any deficiency. Sure so, and the employer as seeing the money
come out of their bank account. Okay now, and I should get it
on a wide shot here since you're talking. So here's what I want to
know, Steve. How does that come crumbling down? I forgot how we
I don't know Mark. Are you there right now? I don't know if
Mark is there. I don't see his camera. But how does that come
crumbling down? Somewhere along the line, Company ABC found out they had inaccurate
nine forty one if I remember correctly, it was an audit of Company ABC.
And so when they turn over their p and L and their books,
they say, we have X amount of employees we've been deducted. And then
they look at the nine forty one say, well, that's not what you've
been paying exactly, and they said, oh, yes, it is here
are the checks we wrote two our accountant and they trace that back and then
they go to the accountant and say, wait a minute, mister accountant company
ABC wrote you a check for one hundred grand. You wrote the IRS a
check for fifteen right, and you kept eighty five exactly. He's in jail.
I don't know if he's actually still in jail. He was in jail.
They don't keep people in jail a long time for this kind of crime.
And then we figured he had about twenty million dollars that he pilford from
people. Now I don't know what happens in these cases. Does he have
to pay that back eventually? Because he'll never pay it back? Yeah,
I mean there's did he stash it? Do they look where he put it?
I mean, I'm always fascinated by fraud because I think in some cases
fraud can pay because you go to jail. Mark and I used to bat
this around. Would you go to jail for X amount of dollars for so
many millions of dollars a year? So when you come out you have a
stash somewhere. I don't know, I mean, I don't even know.
Do they make reimbursement part of it. So disgorgement is a part of the
judgment. I would assume I haven't looked at the touch against him, right,
But you know, at the end of the day, the irises can
say, you have a fine enough X amount of dollars and you're gonna pay
it for you know, the rest of the results life. But if he
has got Allion Camans or nick a Arraguar or whatever they're doing these things,
and if he was fairly intelligent about it, which sounds like he was,
I think that it's it's not a victims victims crime. He's you know,
he's killed all the businesses. And then maybe it was responsible for what when
a company, When a company has not paid well, when a company did
pay their accountant everything they owed, then the I R S up makes it
makes a claim so that employee. Does that employee have to pay again if
wages, I don't think they do. If it was withheld, doesn't the
I R S hold them harmlessly? Right? The IRIS is not going to
hold an innocent employee because they in fact, what did happen to the companies
that came to you for help? Did they have to pay again? Yeah?
They were obligated Oh, because they're the ones. The onus is on
the taxpayer, not so the fiduciary who screwed them. That was because they
found the fiduciary, so they're responsible. Yeah, But had they not found
it, the company still on the hook for those taxes because those taxes were
due. Regardless of whether that's CPA paid or not, it's sexually for the
employee, they weren't due. So does the employer have to pay their match
only or does the employer have to pay everything? So the employer is on
the hook for the corporate their own portion and then the matching if the company
fails in a lot of cases, but what if they what if they passed
on the client's money which was stolen, Do they have to make up that
client's money that was paid to the government or not. When you say the
client is, well that excuse me. The employee. Sure, So if
i'm with if a thousand dollars is withheld from me and the company matches that,
I don't know if it's fifty to fifty portion, Well, so the
company matches, and now we're busted. You're saying the employees held harmless.
They don't have to pay another thousand. But do I have to pay their
portion because I squandered it or I sent it to a bad accountant. If
the company fails, the portion that is the owners are going to be liable
for is the employee's portion. Oh, the company will die and there's no
I know. But in this case, if the company's lived on after don
Eiley, are they responsible for both portions? Are they holy? So this
could ruin a company. In fact, it it ye company And to note
follow their own other than the fact that this guy defrauded them, and it's
unfortunate and we were able to negotiate things in those particular circumstances. Are there
then tips we give to companies right now, People, if you're in business
and you're using a professional employment group or HR group or someone to administer your
HR, someone to do your paychecks, to do your nine to forty one,
is it wise every now and then to check and reconcile with the irs.
I think it's not a bad idea. And then also you have to
sign these returns and so you know, we believe that I had it where
he would had like a stamp or something he was doing. Oh, so
like it's the levels of see the returns as file. You can even actually
have them sent them to you get transcripts from the IRS on what was filed
on your company. Right, it's simple bookkeeping, but it does take out
time and effort to do it. We have a lot of business people who
monitor this show, so that's a lesson to be learned. Let's talk to
Ulysses. Ulysses, Okay, what's going on? Man? What's happening?
Yeah? Can you hear me? Yes? Now is it Ulysses or Ulysses?
What? Well, it's Lisas Okay, cool, what's going on?
Releases? So I just recently purchased a home and I, well, that's
kind of good news, I hope. Right, Yeah, it's good news.
But I decided to remodel the bathroom and as I was tearing it out,
I noticed there was a bunch of mold everywhere. Yeah, and so
I contacted the cellar and say they were aware of the mold. They said
they weren't, but there was a new carpet installed, and I pulled back
the carpet and well, even if even if they were, was that was
that? I don't I'm not aware was was mold on your disclosure statement?
Yeah? So anytime there's mold, they have to disclose it. Well on
yeah, I think if it's on the disclosure statement. I'm not sure if
mold is covered by statute, but in any case, it was on the
disclosure statement. And what did they say on that disclosure statement. They weren't
aware of any mold. That's what they said. Now, unfortunately, and
here's what we really need to talk about. What are your damages? You
would have to say that had I known about the mold, I would have
either paid less or I wouldn't have purchased the property. But is that true?
Where there are multiple offers? Would you have bought it anyway? And
did they know about it? You'd have to prove it. Here's what I'm
getting at. Most of the time, unless we're talking about a major defect,
most of the time this disclosure issue is not worth going after. I'm
not saying you shouldn't. I'm saying unless you can negotiate or settle something,
it's almost never worth going after. Okay, because of the level of proof,
how would you prove you're using lot? You're saying, well, if
they did the bad the floor, they would have had to have seen it,
right, isn't that what you're saying? Yeah, what if they say,
well, our contractor never mentioned it, then what In other words,
I'm asking you. I'm not challenging you. I'm asking you, how would
you prove they knew it. I called Home DEEPO yesterday because they're the ones
that installed the carpet and they have pictures where it looks like there's mold,
and I asked them what's their policy on mold? Right, like, what
happens if they find mold when they're going to install carpet. They said they're
supposed to report it, and UH, all right, so you have to
get it, so you have, but okay, you have to prove.
Okay, that doesn't matter. If their policy, the homeowner can simply say
this ulysses. I've never ulysses. I've never ever heard anything about mold.
I didn't know it was there. If that guy found it, he never
said anything to me. You literally have to prove it. What I'm asking
you is how much extra did it cost you because of this mold? Well,
I haven't taken care of it. Yeah, I'm trying to get it.
How much? Mediator? Okay, don't get someone who's going to rip
you off and take advantage of you. And because a lot of them are
going to tell you, for God's sake, some of them want you to
rebuild the whole house. Yeah, so just be careful on that. I
would call American Restoration twenty four to seven. I would call him. He's
honest, he'll do mold tests. He'll do the most cost efficient way to
get rid of it for you. Did you already call a mold mitigator.
We got a guy coming to give us a quote and just to see how
bad it is and what kind of mold it is, how long it's been
there, but we have a pointment. Okay, good. Would you also
do me a favor? Then? Would you also call his nickname's Rock.
He's over at American Restoration twenty four to seven. Really, I'd like you
to talk to him because he'll do mold testing and do some real stuff and
give you a real price. He's not one of these people that go in
and exploit. I don't want you to be exploited. I don't want your
fear to make you These companies. A lot of these mitigation companies scare the
hell out of you, So at least get a second opinion. Okay,
yeah, I'll do that, and then I want you to call me back
because we're not done yet. If it's so obvious, maybe we do go
after the buyer the seller. I mean, but first, here's the number
eight three three seven am rest r e s t okay eight three three seven
am rest am rest and it's also mrs two four seven dot com. It's
called American Restoration twenty four seven. Listen, did you when you mentioned it
to the owner? What did they the seller? What did they say?
They just said that they didn't have any knowledge of mold. Okay, see,
okay, so we're right where I said we'd be. Call me back,
let me know, and then really I'm gonna mark this here so i'll
remember you when you call back. And then then what we'll do is we'll
check with you and see if we have any thing we can do about it.
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to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two. Hi Tom Martino here three oh three seven one three talks seven one
three eight two five five Non disclosure issues remember they are quite challenging for people
when it comes to real estate. Now we're going to talk about a car
dealership issue, and I want you to call with any issue you have,
and remember this. You can call twenty four to seven and leave a message
three oh three Martino three oh three six two seven eight four six six,
And that's really important that you do it and leave a message with your number
and we will get back to you. Also important, check your AC now
your water heater, you're plumbing whatever you want, any one item, twenty
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it and service it. So for the water heater, they flush it and
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you the twenty eight bucks. You don't do better than that eight eight eight
heating dot Com. Now, Tim says he has an issue with Planta,
with poxes me Plant Hyundai. Now, I want to say something. We
don't have Planet Hyundai or any new car dealership on a referral list right now.
But Planet Hyundai as they go is a pretty good dealership. I just
say that up front. Tim, what's going on with him? Hey man,
what's going on with the Planet Hyundai. Well? I was shopping online
and I saw a vehicle that I liked and they had it advertised after discounts
at thirty six thousand and seven oh seven. I said, thirty thousand seven
seven. Okay, what's that? I'll say you some screenshots of that?
Okay, Now it was on was it on their website? Yeah? Okay?
So what happened? Well, I call them up. The reason my
life it so much was because it showed they have a page on there that
I sent you that says key features. And now what did you find?
What? Excuse me? What what vehicle was it? I'm not looking at
your ad right now. I will look at it, but what what was
it? There was a Santa Cruz xlt A Santa Cruz says, okay,
and what was the feature? You really liked? But it had the telepackage
okay, and a lot of them don't. And I'm I'm disabled, So
I was thinking of putting all those you know, scooter carriers on the back
of my vehicle. Anyway, I called them up, ready to buy this
thing, and I said, I just wanted to check it that you had
it on hand and everything and the advertise for thirty seven seven and it has
you know, And they said, oh, no, no, no,
no, no, no, it's okay. I'm looking at the I'm looking
at it right now and the ad I'm looking at it. So I see
what you sent here today? What's that, sir? It says on the
website today it says thirty seven seven. No, no, I'm not looking
at today I'm looking at what you sent me and I'm trying to find where
it says toe package. But anyway, anyway, go ahead. I mean
it says key features. Oh, I see it, key features, the
AWD blah blah blah, and then toe package. Okay, So okay.
So then they changed the ad or corrected it after you contacted, and because
they said to you that would be an extra thousand bucks dollars, but so
would they would they not sell it? Let me ask you this, would
they sell it to you for thirty seven oh seven? No? What did
they say? It would cost an extra eight hundred? Uh? They they
said it wouldn't have the tow package, but they got down to thirty eight
two hundred and seven dollars. I believe in that area. You mean,
if you wanted the tow package, Yes, I needed I get it.
What I'm saying is and that would have been doctor the manager over there,
and he tells me, well, the tow package just means that the wiring
is pre wired to the back of the truck, so that if you decide
to add the trailer hitch a tow package way, you don't have to run
the wire and all the way to the front of the truck, which is
bull Well, it depends. I mean, I don't know what their definition
of a toe package is. I mean it's on those sheets there. There
is a chat for the Hyundai Motor Company. Okay, Tim, Tim,
let's just skip. Let's just cut right to the chase. And it wouldn't
matter what car you're buying and where you're buying it. This is called a
misrepresentation of a material fact. Now, if this was a damage thing,
if this cost you damage, it's considered bait and switch. It is not
considered bait and switch if it's a mistake, or if it's an oversight or
a misunderstanding. If they did it once, if they did it on a
dozen vehicles, or month after month after month, even after it was brought
to their attention, it would be considered egregious or what's called bait and switch.
That's what the f the Federal Trade Commission says. Here is a mistake
a lot of us make. Now I'm not saying you made a mistake.
I'm saying a mistake and impression. We think that when something is advertised,
they must deliver it, and that's not true. Only if there was civil
damages that you relied on, you flew out there, you made special arrangements,
you lost another deal, whatever, whatever, whatever. But that's only
if it wasn't a mistake. The Federal Trade Commission and the state attorney general,
all the authorities for the fifty years I've been doing this for consumers.
What they do is they give you a break if it's a mistake, and
they look at your pattern. If you have a pattern of doing this,
a pattern of deceit, if you have a track record of tricking people into
coming to the dealership, then there could be a problem. Now that's the
law part of it. I don't mean the law part. I mean the
enforcement part of it. Now, let's talk about the practical part of it.
In my opinion, they should have just given it to you and and
it should have been a really good good will thing, you know. Yeah,
now what I thought that? Now? Mark? Are you there?
Is Mark on today? He just texted me, is he honor off?
So right now we're a little shorter on accesses. So he's going to come
on a little bit later, okay, because he said something about an experience
with a planet. So Tom, yeah, I want to tell you that
I checked their website today. Yeah, and they have changed the hour price
to thirty seven seven oh seven, but they have not removed the toe package
from the key features. Will they do it? Okay? Almost? Will
they almost guarantee you that they won't sell it to you for thirty seven seven
oh seven. Well, then if they can keep doing that, that would
be a problem. But here's the deal. You'd have to show this that
it is a pattern. So here's what I'd like to know if they would
sell it for that. But here's another thing. Just because the toe package
is considered one thing from corporate, they could consider I mean, I don't
know where you get a definition of the toe package at Planet Hyundai. I
don't know, because when I didn't, I got it from Hyundai's motor their
corporate. Well, no, I get that. I get that. But
for example, I got on a tap with it with a fellow. No,
I get that, But they weren't from Planet Hyundai. They weren't.
Did you ask Planet Hyundai before you made an offer and went out there what
the toe package entailed? I when I checked to make sure that it had
one, I was going to do the deal at thirty eight something, and
I think we should have somebody call over there and clarify this. And he
said, no, that tow package means that it's just pre wired. Well
okay, but listen, what I'm what I'm getting at is if that truly
is what it is to them. I mean, I don't know what it
means to them. Now. When I, for example, buy a truck,
or used to buy a truck with a toe package, it would include
the wiring, and it would include the receiver on the back, or at
least the receiver, sometimes not the wiring. And so was there a receiver
on this one? No? Okay, there should be at least if it's
a toe package, I don't buy it with the wiring. There needs to
be at least a receiver on the back. It doesn't have to have the
ball that goes into the but it should at least have that receiver installed.
Well, yeah, I was. I didn't assume that it would have the
ball or I don't need the ball, okay, because you would just stick
it in the receiver. Here's what I'd like to do. I'd like to
call over there. We got to give this to somebody. No, and
if they still have it on there and they won't sell it. Did you
call to find out if they would sell it for that price for seven seven
yeah no no, no for the new for the new price seven seven yeah
no, I haven't. Would you do that please and we'll get Please do
that. I mean, I really want you to do that because if they
because then they could say it was a mistake, we corrected it, and
then they'd be right. But if they still won't sell it for that,
there's a problem. Call I want I want you to call us back.
I'm not going to give it to anybody until you try to buy it for
that price. Three oh three seven to one three talk seven one three eight
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estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino here, Steve Sizzek with us
from Larsen Tags Relief. You can tell at five seven seven three nine And
what you do is put a Tom in the subject and it'll get to us.
So, Steve, we have a question, and that is on extensions
coming up? Can can you file that online without a signature? Can their
account and do it? Hold on sir go ahead. You can file online
just on IRS dot goes. It doesn't require signature, but you do have
to have an account with IRS in order to do that, So you have
to create your online account three IRS dot goes. But your accountant can then
file it without going without having you sign it. Yeah, your accountant can
do that for you. Don't need a doc you sign or anything. No,
and just ask for them to send you a copy of that A transcript
to the fact that they filed it, because just if they tell you that
they did it doesn't mean they actually did it. You'd want verification of that.
All right, three oh three seven one three. Talk. Now we
have Mike an issue with the dentist. Mike. What's going on? Hey,
Mike, I'm hoping he's there mine. Are you there? Just lost
him? I'm so sorry. I'll try to get him back. No,
it's okay. James has a follow up with Solar an offence issue. He's
working James, you're working with Chopper. When was your original call approximately three
weeks ago? And what was it about? James? Did you? First
of all, I see, let me let me find your call. Go
ahead, I'll keep talking. Go ahead, I mean I'll keep listening.
Go ahead, sir. What's going on? It's done a fence for a
Denver County solar panel field. And when we had finished the fence, the
company stopped answering the phones. Is this is this in Colorado's? This is
not Colorado Springs? Is it? Oh? Denver? Okay, keep going,
sir. So they just wouldn't answer their phone. Then they sent an
email saying and they wouldn't pay at all and that I've never gotten out before.
So I reached out to you guys and through through your help and uh
you're you know the different things. Uh. They finally about two days ago
they paid good. So so they paid money that you would put down.
Uh, they had paid money ode on the final payment for the project that
they're trying to we hel out of. Oh I see, Tom, it's
a dinger call. Yeah, it is a dinger call. Now since you
handled it, do you remember the details, chopper? Yes, what happened
is there's like a big subcontractor out there at d I A and there's a
middle one that was kind of screwing this guy over. Well that's wrong,
and I contacted the big guy and said, come on help the little guy
out and they did. It's a ten thousand dollars dinger. Wow, that
is pretty cool. Yeah, I remember that guy got That guy got paid.
The general got paid right, but the sub but he didn't but our
guy here didn't correct Yep, I remember that. Cool. Thank you for
that follow up, Man's that made me feel good more. Coming right up,
go with a sure thing Denver's best roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free
no obligation. In comparison, call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three O three seven to seven to one
help. You'll think you're his only customer when you choose Frank Durand the real
estate man to list your home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter. Okay, Larson tax
relief with US eight four or four lars in tax? Steve says it an
attorney at law who works there as an Enrold agent and he does long also,
but for himself, and I mean for his firm. Now I want
to ask Steve a question. So, even though you're filing an extension,
you still have to pay, right, people need to know that, Yeah,
it's an extension of file not to pay. So if you feel like
you're going to owe, then you need to either pay one hundred percent of
what you owed the previous year or ninety percent of what you think you're going
to whichever's greater. Now, what if you don't and you want an installment.
Isn't there an automatic thing you can do, like just send in a
payment saying I want an installment or how does that work? So if you
do file the return and there's a balance on there and it's below a certain
amount, you can actually file a form with the returns saying hey, I'd
like to go ahead and pay installments on that And on that form, does
it tell you what payments they're going to be? Like, does it have
a schedule for what you owe and what the payments? Typically it does,
and it's got like a calculator that UCB it can help you out with.
Or there's even instructions on there as to what they'll accept and what they want
to accept then and what form? Do you know what formula? I think
it's a nine four or five three? Don't quote me on that, Okay,
Now it's similar to that you can look at up. So basically there's
a form for an extension with installment, but that's only up to a certain
amount. Right, If it's over that amount, they don't even you cannot
get an installment you can get in a selven agreement. You have to either
you have to negotiate with the automated collections and is that what an enrolled agent
does too? Is that what you can know? Yeah, yeah, Larsen
that's one of the best things that Larsen is very good at. Actually,
it was one of the best things. We're good at it, whether you
it's a personal liability a business liability trust fund? Is negotiating. Is we
negotiate when it gets to a point where you can't do it yourself or you
don't want to sit on four hours, you know, on hold with the
irs and have some idiot pick up the phone and tell you that you know
you're the wrong person. Were the people that can handle that? You can
take that brain damage off off your desk for you. That's important to know
because I think that is one of the areas where we get intimidated. Does
that mean you have to sit on We don't have a lot of time,
But do you have to sit on the phone or do you have special numbers
to call for them? We have it, We have special numbers. Lead
all right, now we have more coming up. Get your calls into me
three oh three Martino three oh three, six, two seven, eight,
four sixty six, or of course our regular call numbers three oh three,
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two. Yeah, ripped up. You need advice so you don't have come.
Run in just as fast as you can. Shooter's gonna help. Come.
Man Dix is the Troubleshooter Show. No Tom Martine, Hi, I'm
Tom Martino. Welcome to the show. Three oh three seven one three talk
three oh three seven one three eight two five five. On this wide shot,
you're gonna see uh my buddy here, Steve Sizzeck, an attorney at
law. He is with Larsen Tax Relief, and we're talking about problems in
that area. A lot has to do with collection. If you have any
questions, give us a call. Audits collections. Now they don't do normal
tax returns for people, but if someone hasn't let's say someone hasn't filed in
ten or fifteen years or eight years or six years or five years, they
get a notice and they want to do something. Now, you don't actually
do the returns, but you give them counseling or do you do the returns
in those cases? What do you do in those cases? So Larson actually
does have a separate branch. It's independent of Larsen, but it's still got
the Larsen so you they will do that. Okay, good, So you
can person you can help get someone back into the system. Yeah, and
it's kind of nice too because you can just call one person and we can
you know, they can forge you to the return Preparation unit. They can
get that done. Who can then communicate with the services unit, you know,
where we can represent you based on what youo. So it can kind
of be a one stop shop if you've got things that are fairly straightforward as
far as getting those returns done. If you need a more complicated and in
complex the you know, a series of returns. We have CPA references as
well. Okay, Now, earlier, we had a guy call up and
he said, I saw online an ad and it was for a Hundai on
Planet Hyundai's website, and I said tow package and it was listed for a
certain price, and I called and I wanted to buy it, and they
said, no, no, no, no, that doesn't have the toe
package. Like you think that's just some wiring and stuff. He says,
no, no, no, Hyundai says, a tow package is a tow
package. Now, usually a tow package in my experience with Chevy and trucks,
there's a receiver on it. Sometimes there's wiring. I don't know if
you've ever bought a tow package, but usually it's that now like you buy
our vs have tow packages. Pickup trucks have tow packages. So anyway,
so then Tim said, but they, and I said, as far as
bait and switch, bait and switch is a very difficult thing to prove civilly
and a lot of people automatically assume if something is advertised that they must sell
it to you for that amount, and they think they have some legal right,
and really it isn't automatic. But the Federal Trade Commission does look down
on companies and will enforce certain laws and penal and penalized companies who do true
bait and switch. A true bait and switch is where they won't correct it,
or they keep it going, or they know there's a problem, but
that it's bringing a lot of people in, so yeah, let's do it.
True mistakes are not considered bait and switch. Now. Having said that,
Tim said they did change the ad after I complained about that thirty six
thousand some odd dollars and they changed it to thirty seven some odd dollars.
And I said, I said, listen, uh see if you can buy
it for that, And if you can, then they did make a mistake
and they corrected it. So I asked them to call them before we got
involved, because if they're now advertising it instead of instead of thirty six seven
h seven, what is it advertised at? Tim? What was that?
What is it now advertised that thirty seven seven seven? Okay? And at
thirty seven seven another thousand bucks at that price. They added a thousand bucks
to it acknowledging their mistakes. So theoretically you should be able to buy it
with the toe package for that. So won't say no, it's thirty eight.
Thirty eight to two oh seven is their bottom dollar. And it they
are still saying that the tow package is just the pre wiring, uh in
case you want to put on a tow package. See, that's where we
have to figure out we really do. I'm going to look at there like,
like, what is the definition of a tow package? Now before tim,
I understand? No, I get it, I get it. I'm
going to say that Hyundai or Hyundai in their chat with you told you it
was w go ahead, I'd have to pull it up just a second.
I've got it real close. Yeah, I'm just curious what they say it
is. Okay, they already Teaver made him. They said, the tow
package for the twenty twenty four CENTA Cruz includes a Class four hitch receiver,
a wiring harness, and a trailer hits ball. The maximum toy capast is
okay, got it? So? And you did that on a chat right,
yes, with the corporate website. Did you tell that to Planet Hyundai?
Oh? Yeah, and what did they say? They said, no,
no, no, that's not what it means. They said, it's
just a wiring pre wiring back to the back of the trucks. You don't
have to run the wiring all the way. Now, here's my case,
you want to put in an AFT market. Here's my question for people listening
Planet Hyundai as a dealer. They're an independent dealer. I mean they are,
They're not owned by Hyundai. Are they allowed to have their own definition
of a toe package? I mean? And is it disclosed anywhere? Because
to me, saying toe package means more than wiring, you know, So
I want to know what people think. So did you say to them that
you talked? Oh you didn't tell them. So who are you talking to
over at Planet Hyundai. Well, I've been talking everyway. I've talked to
the general manager, the sales MANA okay, So the general manager did talk
to you. He was a general manager day with John something? Was it
the general sales manager? What was the general sales manager or the general manager?
Do you know? He said he was a general manager? Nice?
All right, here's what I want to do. Here's what I want to
tell me. That's who they are. I don't know whether they're really I
get it, I get it. I just meant general. There's a lot
of people say they're the general sales manager and we hear general manager. But
here's what I want to do. I think there's something going on here.
I would like to talk to someone over there about this case. Specifically.
I acknowledge that they change the price accordingly. That's good. They said,
Hey, we made a mistake, so now it's not thirty seven it's now
or because it's not thirty six something, it's thirty seven something. But even
when you call it thirty seven something, they won't sell it at that price.
Or are you saying they will sell it at that price? But the
toe package is the wiring only is that would be because they will sell it
at thirty seven. So now it comes down to the definition of toe package.
Is that what they're saying or are they saying what's that? They won't
sell it to me at thirty seven seven if you wanted it the way it's
equipped in that ad with their definitions, would they sell it for thirty seven?
Yes, they would. They won't sell it with the hitch that you
want for thirty They won't sell it without the hitch for thirty seven seven oh
seven. They won't it as is for thirty seven seven O seven it's thirty
eight too, then why is it advertised for thirty seven? I don't know.
Come on, Tim, are you joshing me? Bro? You just
called them to the guy Tom. Their site says it's a six hundred and
fifty dollars and it's wiring and receiver. Really, yes, sir, really,
so they define it as toe package being a receiver and wiring. You
found it on their website. I found it on a Google on the Hyundai
shop website. No, I'm not talking about that. I'm talking about this
Hyundai Planet Hyundai. No, I didn't go to Planet Hollywood. I'll tell
but I don't care. It's Planet Hundai. And by the way, by
the way, that's enough for me. If the damn industry and Hyundai itself
defines it as a hitch and wiring, then that's what a toe package is.
You don't get to make up your own idea of what it is.
What if their idea of a turbo was someone who farts at it? I
mean, come on, you know you gotta so here's what I'd like you
to do, Chopper. I really I'm concerned because he said, let's forget
about the toe package right now. He said, what's advertised right now?
They won't sell for that price, then why is it advertised? I'm on
Planet Hyundai right now? Where is that? Where's that car listed for thirty
seven? Where is it? I want to make sure we just Planet Hondai's
website and go to Santa Cruz. It's they give you a list of all
our Santa Cruzes. Andy, wait, Santa Cruz on Planet Hyundai. I
did get that. It's okay. You're talking about the Santa Cruz on the
Planet Hyundai site. Yes, okay, And you're telling me they have it
listed four. I'm looking for it. I can't find it. I'm looking
for the one you're talking about. Is it a twenty twenty four? Yeah?
Let me okay? Is it thirty seven seven oh seven? Yeah?
They still have that one there? It's it's sand color. It's called I
see it, man, what a beautiful car. I see it? Hold
on yeah and th row middle. I see it. So here it is.
It's it's thirty seven seven oh seven, right, okay. Then I
want to look at it and it says, damn it, you got it,
and it says toe package. So but you're saying they won't even sell
it. Just that vehicle itself, that unit number, they will not sell.
Well, he told me that he'd have to see for sure that it's
got the dealer choice bonus cash. But he said he didn't think he did.
But it says it on the site that it has it. I know,
it says it is all right, you know what this is getting ridiculous.
The site says thirty seven seven oh seven and it says dealer bonus cash
minus five hundred bucks. So they're saying, well, we're not sure we
can sell it for that that Now that that is pissing me off because now
it was thirty six seven oh seven, right right right, they added a
grand to it and say they still can't sell it. Yeah right, you
know what, there's something going on here. I don't like this at all.
I don't like this, Hey, chopper, go ahead, call them.
Get this specific. Although here's another thing that's against the They have to
have a unit number. Did you know that they're required to have a unit
number on this ad? They have a stock number under the first heading.
Okay, so if I go back, there's a stock number here, hold
on three d's in dog. Okay, call them. Here's what I want
you, Chopper, Here's what I want you to do. I want you
to call them. I don't want to get into the nonsense about it once
being thirty six, seven oh seven, now it's thirty seven. I just
want to ask one quick, one question. Will you sell that vehicle at
that price? Got it? Because you tell them who you are and tell
them we were told you're not selling it for that price, and in our
opinion, that's false advertising. I mean, come on. And then the
next question is are there any cars on your site that you'll sell for the
site price? Then the next question is what is your definition of a toe
package? Because Hyundai disagrees with you if you say it's just wiring. So
if you have all of that, Chopper, really this is I want I
want to find out about it. I really do. I want to find
that this sucks. I'm Tom Martine three oh three, seven to one three
talk what do you guys think? I think it sucks and I think we
should call them on it. And you know that that distresses me because I
always thought they were such a good dealer. I'm not saying I have any
connection to them, but yeah, it just bothers me. By the way,
Dan McKenzie does wills and trust. Dan McKenzie does estate planning as well.
He's one of the attorneys we highly recommend mackenzie Law. You can always
find Dan. He's one of our experts on the show McKenzie Law. Call
him for wills, simple wills, transferring your businesses, even asset protection trusts
McKenzie Law eight three three C plans go with a sure thing Denver's best rufer
Excel roofing dot com. You don't pay a cent until you're content. Time
for an insurance check up free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your home with Remax Alliance three
three nine two zero sixteen twenty two. You know, I I want to
call Mark here because he says he's had a similar situation with these guys.
I'm gonna call him right this second. Hold on and I'm calling him.
He knows I'm calling him, So where is he? Come on? Mark?
Okay? There it is. Let me call him this this is wrong,
man, let me just call him. Hey, So, Mark,
you had this situation with Planet Hyundai. You know this is getting weird,
and I have Chopper calling him right now. What was your experience? So
they had one of the last twenty twenty three Santa Fez left. So I
sold our black win Er twenty twenty like I usually do. It had around
forty thousand miles and I saw this one and they're one of these one price
dealerships, so whatever it is is what? But I couldn't find another twenty
twenty three brand new any where the one I wanted, which is you know,
the Ultimate or it's got all the crap on it. So I call
up and they're like, oh, well really that's this much and I'm like,
well, what are you talking about? And at first they told me,
well, the price you see there does not include the dealer options that
are on it. And I said, what are you talking about? They
said, well, this one's got running boards, so it's really not that
price. It's another thousand bucks or whatever, and I'm thinking, huh.
I didn't know quite what to make of that, but I'm like, oh,
okay. So then I call back because I'm looking further on it,
and I talked to someone else and they say, well, that vehicle's not
even available. So at this point I'm going, what the hell's going on?
So I end up going down there, and basically I threw a fit.
I was like, it's not even close to the price you were advertising.
Even if you add in the running boat, it wasn't even there.
Made the math made no sense whatsoever. So finally I just said, listen,
you know this is outrageous. I don't understand where you guys are getting
this pricing. And the salesman are you still there? Mark? I can't
call you here. He's only been on the radio. I don't know how
many years with men. You got me so flustered thinking about these guys.
But here's what I would do on the tow package. I've been listening.
Check it out, man, look at one of the Santa Fees or one
of the palacines. It says toe package, and call up someone else,
call up not whoever is calling up right now, and say, hey,
I'm interested in the palisade. Do you have any with the toe package?
And then say does that include the receiver? What does that include and see
what they say. My guess is they're going to say, well, yeah,
of course it includes that. I think they just make stuff up when
you call them. I don't trust them, man, although I did buy
a vehicle from them. Now hold on because Raymond wants to comment on this.
Go ahead, Raymond, what is your conservation? I was listening to
your program, Tom so I decided to call Planet Hundi myself and we were
discussing the tow package that the definition of the tow package should include include the
receiver hit. And he told the sales manager told me that if corporates definition
includes the receiver hit and the wiring, that they would give it to the
gentleman. If he proves that corporate definition of tow package includes both of those.
I'd never heard about it. Go ahead, let me say something about
this coeitching. I need to say this listening to you talk about it on
the air. No offense, but it seems ridiculous. There is no vehicle
I have ever bought in my life that says it comes with the toe package
and it doesn't include the receiver I am wiring. I have never heard of
anything like it in my life. I know it I agree with you.
If just the wiring's there, where the hell's the wiring in that, it
doesn't even make sense. The wiring generally ends at the toehitch. I know,
it's ridiculous. I mean, I just don't understand that. Maybe we
call it seriously, and I don't know if it goes to the ownership.
Because Mark and I had the discussion off the air the other day. He
said, you know, I really don't trust Planet Hunday and I said,
I think they're really good people. And I didn't want to get into specifics,
but I kind of knew the owners years ago and I thought they're really
good people. I don't understand, but they could have some management right now
going rogue here because if they're routinely advertising prices they can't meet, well that
sucks. And if they're saying, well, this guy that your callers said,
originally it was Ford something and then he calls up, they're like thirty
eight. Then they change it on the website. Now they're arguing what a
toe package is. Any moron that's arguing a toe package is just wiring and
that's it. There are a moron. What else can you say about them?
Well, don't insult, don't insult. Are YouTube morons? But you're
right, they are true. They are morons. Uh. Three oh three
seven to one three talk Okay, Mark, I know you you have to
go on that, but later, man, let's hook you up later.
Okay, So we're done with Mark there. Okay, good and here's the
deal. It's wrong, wrong, wrong, wrong, wrong, that's my
opinion. Three o three seven one three talk seven one three two five five.
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oh three nine two zero sixteen twenty two. Hi Tom Martino here THREEO three
seven one three talk seven one three eight two five five you you're just joining
us. Really, this discussion on Planet Hyundai is disturbing. We called some
other Hyundai dealers. Toe packages include receivers and wiring. I mean to say
that it has a tow package and it doesn't is just lying. And then
the other thing is to have prices advertised that you can't get. And so
this consumer call that said that it happened to him has now happened to him
twice. And then Mark said it happened to him when he called they.
I think they we can probably establish a pattern, and maybe we should go
to the Attorney General and the Federal Trade Commission. It's wrong, It's absolutely
wrong, and if we don't get the right answers from the general manager,
then we go to the owners. Because I think it's wrong and I think
they want to know about it. That's all so Planet Hundai. I mean,
you know what sucks, what really sucks is that now this would make
a total of all of the Hyundai dealers that are pretty questionable. I hate
to say that, but that's just the way it seems. Tom, what's
going on with you? Hold on real quick, Tom, No, go
ahead, Tom, what's and Tony? We're going to talk to you about
your payments of taxes too, because we have Steve Ciszick with us from Larson
tax Relief. So let's talk. What's going on? Tom good Man?
What's happening? Good I was calling I am have a back in September,
UH with shared fence got knocked over, and so I went over to my
neighbors. They're actually renters, great neighbors, but they put me in contact
with their property management companies to get okay. So are these single family homes?
Tom, Yes, they are okay. So I got retired, I
took pictures, I bought stuff, I sent them voices off, sending emails
to them, going back and forth. So how do you is it a
shared fence? Is it on your proper line or their proper line? It's
between both of our houses. Is it right on the property line? See
this recent These recent questions I'm having about fence lines are weird because unless it's
really old property, fence lines are not on the property. They're either on
one side or the other. They belong to one side or the other.
Are you telling me this one is right on the property line? I'm that
I don't know. I mean the house so back in ninety six, I
think then probably it is. But anyway, what's going on the fence is
damaged and you want to get the neighbor to chip in. Yeah, well
the property management company. So I reached out to I talked with the neighbors,
told them what was going on. They said they reach out to the
property management company. They did, They gave me the phone number. I
reached out with an email them back and forth and send them pictures, send
them invoices, everything in such, you know, share fence. I'm responsible
for half the hopefully they'll pay the other half. But I have not been
able to you know that. You know there's no law that says that,
right, Yeah, I guess more, you know, just common curtices.
That's right, that's right, that's exactly or possibly possibly court precedent. I
I've not seen it, but maybe a neighbor suit a neighbor one time for
a joint fence, and one that would make it a precedent, which they
call common law. But I don't know right off hand. So but you
would think logic would say, hey, you know, we both enjoy this
fence, let's chip in. So what's going on now? So this is
in se September. I have probably the past I've reached out to three or
four times the email. I have not got a response back. Okay,
now here's what I'm going The check's coming, it's on the way, but
I haven't seen anything. No. Wait, did they say the checks coming?
Yeah? I said that where yep, this is the check Oh I
didn't know that. Well, so they didn't say we're not doing it.
They said the checks on the way. Yeah. And then they asked them,
okay, send us the invoice, to send us the pictures, all
that kind of stuff, just to prove that I did it, which is
fine. I get that, you know, And but now they won't even
reply back to my emails. Can I get an update? What's going on?
Could send the checkout? It's just crickets from them. Okay, here,
here I have the name of the property management company, a phone number
who I spoke with. That helps you. Why don't you do this?
Why don't you Why don't you find the owner itself from the tax records?
That's what I would do. Really, the property out of Texas, it's
a it's a it's a huge company. No, I'm talking. Wait so
the owner. Okay, wait a minute, So the owner a big company.
The owner is a big company too. Owner. Yeah, it's not
like an individual owner. Correct. Nope, Oh I didn't know they rented
up. Yeah, here's what I would do. You might Okay, how
much is it going to be for their halts? I mean their half is
it's like two d and it's not much. But that's it. I didn't
think that's it. They're they're giving me headichs overrit just going back and forth
about it. But you know, you could do something crazy. Are you
going to do the work? That's the way I've done it, and work's
done. You did it, I got I have Yeah, I did it.
I had to hire a couple of guys up to come do it.
Hey, bro, you know what I'm going to say, right now you're
gonna love it. Let's not put a mechanics lean on it. You have,
you have everything, you have everything you need to do that. Kay?
No, So I would if I were you, I'd put a lien
on it. What are you kidding me? Not much? You know who
cares? You know what that'll get them? Tell me what happens? Will
you win on this? I would put a lien on it? Okay?
Okay, Well you would have to ask me that it's I don't know specifically.
I'm not a contractor had to do it. But I can't tell you
this. It's easy. Everyone tells me it's easy. So google it or
AI it or call I don't know. You know, you can technically have
an attorney do it and had attorney's fees. But really I would try to
do it myself if I were you, But I can't tell you how.
I don't know how. I think there's a form. Okay, I promise
you they're gonna freak. Now here's where they're gonna freak before you do it.
Now, it hasn't been four months, has it since you ended the
work? I submitted? It was it was late September September twenty seven.
God damn it. So you've finished the job in late September. Yeah wait
October November. No, you didn't know, you didn't. You have to
go out and do a few more touch ups today, okay, because you
only have four months from the time the work stops. I'm not giving you
legal advice. I'm not giving you tricky advice. I'm just saying I am
sure you can find some touch up work that needs to be done, okay.
In fact, if it would be better, yeah, yeah, yeah,
if you had yep, if you go out there and maybe your wife
snaps a picture of you working on it today. Okay, because you only
have four months now, once you finish the job, you have four months
to do that. Lean. What I would do first is you have to
do a ten day notice that will get you paid. Make sure you word
that notice according to the law, that will get you paid more. Come
in right up, go with a sure thing Denver's Best roofer Excel roofing dot
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seven to one. Help You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your home with Remax Alliance three
three nine two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three
all three seven one three talk three all three seven one three eight two five
five. Randy has U Okay, Tony wants to talk about taxes. Then
Randy wants to talk about truck purchase. Steven wants to talk about social services.
Tony, what's happening. Welcome to the show. I'm Tom Martino.
Yeah, in the past I have I use Turbo tax have been a very
simple act situation, and I've done it mostly and I owe about five K
to the I R S in the past when I vowed more than a couple
thousand dollars. When I get done with Turbo tax, it tells me,
oh, you have to make estimated payments, which is fine. The question
I have is I worked on my taxes we ago. Since I found that
I'm a big chunk of change, I've changed withholding online in my wife's taxes
in order to not have such a shortfall next year. Okay, I ignore
those estimated tax payments and that going to be a problem. What are you
talking about estimated I don't even know what you talk about estimated tax. It's
going to tell me actimate quarterly estimated tax. Well, you do if you're
self employed or something like that. But you said you change the deduction.
So do you two both have regular W two salaries? Yes? Well,
yeah, I mean if you under tom, if you underpay, regardless of
you've got withholding or not, the IRIS is going to want you to make
estimateds on top of that. Come on, yep, even if you're a
W two, even if you're a W two, But what if you just
increase your deduction? So he's he's actually had a gut or decreases. And
to his question, if you feel that you're increased with holdings is going to
address that five thousand dollars shortfall next year, then you don't have to make
those estimated tax deposits. But if you're off and you owe again, you're
going to be penalized for that. Now, the rule is you have to
pay at least ninety percent of the previous year. Is that what it is
or ninety percent of current or what what is the rule on us? It's
one hundred percent of what you owe the previous year or ninety percent of what
you think you're going to owe, whichever is greater. Okay, Okay,
So it's five So for example, in his case, you'd have to have
five thousand estimated tax deposits to be composed. So when you make those adjustments
to your deductions, will you guys pay in another five grand? Yes?
Okay, then you should be fine. Yeah, but you don't have any
self employment at all? No? No, how are you off that much?
Do you have a lot of interest income and stuff? Well, to
tell you the truth, my wife's son social Security. She's retired, so
that that didn't withheld withhold anything. And can you choose to withhold with social
or not? It depends. I mean I don't know that Tony. Can
you choose to withhold with a Social Security that I'm familiar with? Yeah?
I think you have to elect into it. It's not like an easy process.
So you just have to know that you're not getting any Okay, So
where does it stand that the it doesn't the quarterly payments? Let me explain
this to you. They're never required. They're only required if you want to.
It's not a violation of the law not to do them. Is what
I'm saying is it's not like you have to pay tax. But theoretically you
don't have to make estimated payments as long as you pay your tax if you're
not going to owe, and if you don't care about penalty, and so
the answer is, of course, you can adjust any way you want and
then make sure and then hope that it works out. That's the answer.
And if it doesn't, you pay a penalty. And you learned three oh
three seven one, three eight, two five five or three oh three Martino.
We have more coming up on the trouble Shooter show. Go with a
sure Thing, NVERS Best Roofer, Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up free no obligation
comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one help. You'll think you're his
only customer When you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two zero sixteen twenty two Ripped.
You need that so you don't have run as fas as we can.
Shooter's gonna help come Dix is the Troubleshooter Show. No Tom Martino, Hi
Tom Martino Here three oh three seven one three talk three oh three seven one
three eight two five five. Welcome to the only show of it's kind of
anywhere in the universe. We love doing what we do here and this hour
is brought to you by someone I credit with great health, and that's Grossmanwellness
dot Com. See Grossman. I do what's called concierge. Every three months,
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three forty two forty seven two three three forty two forty seven. So hey,
we have Larce and tax relief with us. We were talking about your
problems, question complaints, and we're gonna go right now and do that again.
I'm gonna talk to Randy as a question out a truck issue. Randy,
go ahead, what's going on? Randy? Hey, Tom, I
just got a quick question. Yeah, I bought it. I bought a
truck about a week ago, and then newer used used. Okay, it's
a really nice truck. It's a ninety nine Dodge Ram with a just a
little over one hundred thousand miles on it. Wow. Yeah, it's it's
a really nice truck. But so they put a dash cover on it,
because those those ninety Dodges, the dashes always end up cracking and breaking.
Mm hm. So I moved the dash cover and come to find out the
VIN number that's supposed to be in the windshield is gone. Oh why was
it ever? I mean, is there a ven number elsewhere on the car?
There there is. I found the two, the one in the door
and the one underneath the hood, but I wasn't too sure. You know,
somebody stole outan Where is that usually? Is that usually standard? Front?
Left? Is it? Yes? So it's from the outside you can
see it, right? Is that what they usually look down at the bottom
right of the windshield when you're standing outside bottom left river side? Yeah,
well, when you're outside, it's the bottom right. Oh yeah, okay,
so huh wow. So if you have another VIN, is there a
law on that? I don't even know? I mean, uh, did
you see if the VIN on the door jam or wherever matches the title?
Right? As far, I bought it from a dealership, so I didn't
actually see the title. It's because you took a loan. Yeah, okay,
So how about on your registration? What's the registration it matches? And
like I said, the door jam and the underneath to you know, I
don't think it would bother me too much. I don't think it would even
I wouldn't say that it's a ninety nine. What are your concerns? Well,
a couple? Is it legal to sell it with the VEN number missing?
But here's what I want to ask you. And I don't mean I'm
not trying to be a smarty pants. I'm just asking what difference does it
make? At this point, if you like the truck and you bought it
and you have a VEN number, why do you care about that? I'm
just curious. Let's even say, even if it wasn't legal, why do
you care? Well, So, say if I move out of state and
I have to get a VEN in session and okay, okay, okay,
or if there's another truck driving around with that VIN number of underneath to dash,
you know, and I understand if somebody took it. You mean,
yeah, huh, so did you do ave in search of it to find
out? I did? In serge it's a two owner car, a two
owner car or truck, I mean, but it's not showing up anywhere else.
No, I don't know. I mean, what are the chances.
I'm not trying to talk you out of doing something. I just don't want
you to go through conniptions for no reason. What are the chances that you're
going to move out of state and need a VENT inspection or sell it out
of state? You know, you never really know. The company that I
work for is all over the country, so you could be transferred out of
state. Okay, did you ask your motor vehicle department what's up? Well,
I just found it the other day. Is that I haven't? Did
you call the dealer? I called the dealer. They said they'd check into
it, and of course, you know, they'll take their time and get
back. What was it a used car, lot of pot loot or what?
No, it was a new car Dealershipswagen. Oh crap, Greeley,
God Almighty, I hate Greeley. I don't hate Greeley itself, every business
in Greeley and every car dealer in Greeley and every politician in Greeley. So
I guess I do hate Greeley. I hate the smell of Greeley. So
what else? What do I like about Greeley? Wow? Listen, here's
what I'm thinking. I want to talk to our expert. I think what
we should do. Katschina is called JFR Cars Rodney. He's a car dealer.
I just want to run it by and see what he says. So
hold on, I do want to see that could be a problem. So
I'm going to mark this pending right now for JFR. And then and that's
Rod Greer over there. Three oh three seven one three eight two five five
Steven, what's your issue with social services? Highste what's happening? I'm longtime
fan. How are you good? I'm doing good and thanks for listening for
a while. Man, So what's going on with social services? I've just
had nothing but trouble with many Well look what do you mean though? Like,
how did it all start? I've been disabled for like twenty five thirty
years and thanks you so be a lot better. My insurance was better.
Everything was better, I was treated better, and it just keeps getting worse
and worse and worse. Well, what's worse? Okay? I need to
know what's happening that brought on the call? There? Something must have precipitated
the call. I went to get up, my eye looked at I thought
I had a contact when stuck, and I'm not sure. I didn't feel
like they give me gives a good service. Now, where are you getting?
Is this Medicaid? Oh? Yeah, I am in Boulder, Colorado?
Are you saying so? Your basic complaint is that Medicaid is deficient?
Lately Medicare they twitched me to United Healthcare Medicare D problem. Hold on,
I thought you just told me you're disabled. Yeah, how old are you
Medicaid? I'm fifty four years old. I've been so. So you get
Medicaid, not Medicare. No, I get Medicare eighty percent Medicaid Okay,
okay, they pay for your code. So Medicaid is like your supplement,
yes, sir, okay. And you're complaining about the Medicare part big ones
Medicaid. I get it. You're complaining. You're so you're on Social Security
district. I'm just tired about like with all the the economy and the inflation,
everybody gets compensated, so they're fine with it, but I keep getting
skim it skimmed and lowered and stuff like that, and I don't understand that.
Give me your latest example, Like you're saying that the medical issues me.
You're saying that you need to get the highest you can get for food
stamps, EBT. Because I have to be on a special diet for one
of my maladies. And I used to get it, then they cut it.
Then I got like one thirty and then the next month. Do you
have a case work Do you have a case worker, Steven, No,
not really. I have a case worker for United Healthcare. They called theirself
advisor because once they sign me up, they're done with me. They say,
you have any other questions, probably your insurance. Here's here's what I
don't understand you have. You have a complaint with Medicare and with basically the
providers, right, not the payment, but the providers. Is it the
payment or is it the providers? Oh well, my payment like the IASNE
went up a much, very much a large time and you grow up fifty
bucks a year. Well, see you're calling. This is what I'm getting
at. I'm trying to narrow down your complaint because it may be Listen what
I'm Stephen, what I'm trying to figure out if the complaints you have for
payment and for service or healthcare, if there are those, if those are
systematic, Okay, systemic, there's nothing that we can do about it.
That it's just the way it is. I mean, I don't like saying
that, but it's the truth. I mean, there's nothing we can do.
I was wondering if there's a Space Pacific issue we can help you with.
I can't help you with the whole system specific issues, but I can't
get into that today. I just don't want the emotions to come up a
better rough day. Okay, here's what I can do, Stephen, Here's
what we can do. No, it's really funny. Thank you for that,
Stephen. If you could help me here, if you could hang on
hold a Kachina will give you an email, if you can email us the
part that you're really calling about, Okay, we can't help you with.
In general, Medicare sucks, United Healthcare sucks, the payment and reimbursement system
sucks. The fact you're not getting raises sucks. We can't deal with it.
But if there's something on your mind right now, an issue that we
can help you with, feel free to email us. She'll give you the
email and we'll we'll gladly help you with it. I mean just that we
can't address what we call systemic problems. Three O three seven one three eight
two five five Go with a sure thing Denver's best roofer Excel Roofing dot com.
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three nine two zero sixteen twenty two. Pay Tom Martino your troubleshooter three oh
three seven one three talk three oh three seven one three a two five five.
I certainly appreciate your questions, problems, complaints, keep them coming at
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oh three seven one three talk seven one three eight two five five. So
Gwen has a follow up and it was from two weeks ago a water heater.
I'm not sure for some reason, I'm trying to find this call Gwen.
Can you uh explain the situation? Did we give someone to work on
this? Oh oh wait wait wait wait was this way or let me get
this straight. Is this where you had a furnace and a water heater put
in and by quality builders and they didn't do a good they did something.
Here's what it was. You did this addition as I remember, and they
had to alter the plan because of the venting and all of that. So
the plan made them alter it to where you needed another furnace, you had
to replace your furnace so it could go horizontal, and then you needed to
vent your water heater. And I thought they were taken care of all of
that. What's the problem right now? No, they're not taking care of
it. And what needs to be done right now to make it livable?
What needs to be done A new water heater? Okay, but the old
water heater is still there. They never did. They never took it out.
No, and why is the new water heat? Why is the old
water heater not working? It's been ruined with the kit they put on it.
And what kind of kit did they put on? A horizontal vent?
Yes, a vent horizontal and that ruined the water heater. Do they acknowledge?
They do? They acknowledge they ruined the water heater? No? How
old is your water here? Five? Okay? Not that old? What
kind is it? Do you know? No? Huh? What size is
it? Blum home depot gallon? It's a fifty gallon so at at euro
Plumbing Colorado dot net for that fifty gallon. It would cost you approximately fourteen
ninety nine, fourteen ninety nine. And what do they say at quality builders
about this? Do they say that's your problem? It did not break because
of us? What are they saying? Yes, they're saying it passed res
And I've had Tipping Hat and Plumbline come out and say that it's then legally
And oh did plumb Line look at it? Yes? How much did Plumbline
say it would take to fix it? Fifty seven? So it's more,
why did they say they had to do something special? They have to replace
it and they would throw in a free I think it's an extra gallon thing.
Okay, it's a it's a yeah, I know it's so listen,
what about Tipping Hat. Tipping Hat has a seven thousand gear forever warranty,
forever warranty. But they're gonna they would charge you seven grand to do it?
Yes, yeah, I wouldn't do that. They would fix the leaking
of the furnace. Also, wait a minute, why is the furnace leaking
because they didn't do a good job there either. Did Plumbline put that in
their estimate too? I believe so? Well? Kind of so, so
they installed the new furnace the wrong way, and they installed the water heater
and ruined it. Yes, it cannot be corrected. They have to do
it. So quality builders, are they simply washing their hands? Yes?
What the hell's now? I noticed here? I had Deputy Dollar on this.
Dollar you're there, did you Dollar? Do you recall this case?
It was assigned to you? Yeah? Yeah, that's coming back to me.
Well what happened, man? I mean Equality Builders dropped the ball on
this thing, Yes they did. I don't have any notes on this at
all, but I know that they should fix what they they put in there?
Why aren't they fixing it? Now? Listen, you know that's where
we go first? Then what I would do? I want Dollar to take
another stab at this, Yeah, because I think originally I she'd cut gotten
the name from Angie's list. Yeah, I remember this. Still Still we
need to get on this sucker. We need to figure out We just had
to figure out who is at quality that will address the damn thing? Right?
All right? You had me get two estimates and then said we're not
doing it. It's your problem. Dollar. Can you follow up on this
day and then just see what they say? Yes, I just totally am
stressed about this. Quality builders. This is a possible sleeze brigade. But
as I remember it, I thought you reported that you didn't think they were
that bad after you talk to them. I think I made notes here.
I'm looking at the call. Just let's revisit this. Thank you for letting
us know. Gwenn, we don't like you know, we like to help
as much as we can, so we will. Now, did we ever
get JFR cars on for the UH for the VIN thing? What happened to
that caller? So he had to actually go, but I gave him that
number and him and Rot and I also texted Rod, so they're gonna line
themselves up offline. Well, thank you for helping him out. Three h
three seven one three eight two five five. Yeah, it's really really difficult
when that kind of stuff happens with a car and Vin's because it could be
difficult to get it inspected if you needed to. If that VIN number tag
is not on the dash on the left side. As you're sitting in your
car the lower left, you know, it's right in the corner there where
the windshield meets the dag. We can all see that little metal embroidered,
I don't know imbossed, or I don't know what the word is. It's
stamped. Maybe maybe that's the better word. Okay, So we have more
coming up on the Troubleshooter Show three O three seven to one, three eight
two five five. Go with a sure thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Time for an insurance
check up free, no obligation comparison call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three O three seven to seven to
one. Help. You'll think you're his only customer when you choose Frank durand
the real estate Man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshoot three
or three seven to one to three talk three LL three seven one three eight
two five five. Gareth has a issue with Excel Energy. Gareth, what's
happening? Oh hey, Tom, thank you so much for taking my call.
You listen to your show every morning anyway, Thank you? I live
Uh Ever, you know we had that big storm on Saturday, and my
power has been out ever since then, ever since Saturday from the winds.
Yes, uh huh wow, and uh it's Tuesday now and I haven't had
an electricity since then. I've tried to call Excel and you know, they're
not they responsive, They didn't keep me updated. So there's a tree in
my neighbor's house that fell on the line and it's still sitting. There's a
huge tree with a seven foot root ball and it's leaning against the lion and
it's almost hitting the neighbor's house and nobody's come out to deal with it.
And uh Le's called and well and you've called and you've not gotten a response.
Well, they did respond eventually, and it's well, we're going to
get to it maybe by ten o'clock to night. And I ended this morning.
There's no linemen out there, there's no tree service. How many people
are affected? Well, my whole household. They did get the power grun
across the street, and the neighbors over the other street, everything else nine
has all the power restored, but still nothing in our homes. I've had
had heat for three days, no hot water and being spongebats and it is
this crazy. I mean, I didn't realize there are people still. Now
you say you don't know how many people are really affected. Well, my
household, it's five people, a tortoise making No, I'm talking about like,
is it the neighborhood. Yeah, it's just our one street. And
I understand there's a huge tree, it's probably forty foot trees sitting on the
line. And they always think peopet from the house. Yeah, you think
they would come out and give us a little priority here and then add insulted
in on the physician. So I came out of my office to in Porton
and the power went out. Now it's out till ten o'clock and I to
cancel my health practice all day long, all my patients, you know,
patients getting carried the garrett. Do you have your clinic right there at the
house. No, No, No, it's my office and so and I
live in Applewood. Okay, So it's your office that's affected or your home.
Well, well the home still affected. I came, Oh, you
had to cancel because I get it. I get it. You had to
cancel, not because of the clinic directly affected, but you are I get
it. Well, No, my clinics oh, both my clinics. I
cancel my holidays. So the powers out of my office, the powers out
of my home. Oh my god, this is okay. Then this is
bigger than I thought. I don't think I've read anywhere where power is still
out. I didn't know this. I want to call over and get a
question. Let's uh call over. You know, unfortunately Excel doesn't have the
media response they used to. They used to be very attentive to public inqurease.
And I guess the point I'm trying to making. You know, they're
trying to push this whole electrical outd You know, I took cars, electric
furnaces. You know, I was fortunate. I have a gas stove,
so I was able to heat up the kitchen and boil some water to wash
my face. But you know, it's kind of a I don't know sugactly
live in a third world country anymore. And uh, you know, it's
just uh and the's and I understand the active nature. But the fact that
that I'm responsible and I just choose it's in your opinion is of course I
had to throw all my feet away you mean against Excel. Well, I
mean I was silly not paying my bill next month. You know, it's
just uh, you know, because it's I'll bet you they're going to bill
you and expect to be paid for what you use, you know, I
mean, obviously you're not going to be paid where it's not being metered.
Right now, you're not using any power. But I think we need to
call over there and find out what's happening. I did not realize that there
were people still out of power. It's not a huge amount. It's just
maybe my whole street and then a couple of streets, so that's that's a
lot. Did you get any indication when they'll be out there? Well,
this morning I went out there and see the alignment. There's no tree gut
right and I understand that. You know, it's a huge tree, and
I get it. I want to listen. I know. I gave Deputy
Dollar a couple of things to call on Kachina, either him or maybe you
can call. Do we have a media contact over there anymore? I know
they're they're pretty deficient. Yeah, they are few and far between. Let
me see what I can do. I just want to try to get someone
to address I don't, you know, we need to find out what area
he's talking about. And then what I'd really like to know is, I
mean, obviously we can't make them go over there and fix it right this
minute, but I'll bet you, I'll bet you though we can at least
light a fire. I mean, I got to figure out why this is
happening. I mean, okay, we're going. I'm going to the map
and I want to see what's that in all parents, It's a huge tree.
It's probably it's in seven foot reetfall. It's probably a sixth footh diameter
of pine tree that went. It's it's resting on the lion. So current
outages right now? Have you looked at them? You know? I looked
at it and my neighbor's not blue and it was red. Now it's blue.
So I don't know if they're just ignoring us, so they're not going
to show up, or well, no, blue just means it's under fifty
Yeah, okay, sod undred. Yet's not a huge sloth of people.
It's just the one area with the lion. The tree is resting on the
lion. Huh. This is They pay their CEO seven three three million dollars
last year and they spent a lot of money putting smart leaders, so they
could charge me a lot more money. So you think the service, So
give me the address of your clinic. I want to see what it says.
Well, this is a different situation altogether. I mean they had intelt
the injury. My home's out and I came to my office to work today
and then the power went out here it's out till ten o'clock and I could
cancel the whole clinic. I'm going to charge my phone and charge my retargeable
white, but my house. So it's just okay, give me the give
me a number, not necessarily your number, but a number and street.
Where is it? Well, my house is in uh it's stop. Thirty
second in young Field. Thirty second in young Field. Okay, I'm just
trying to get a map here. Thirty second in young Field. Okay,
okay, I got it. I got it. Hold on, I got
it. Hold on. So I'm looking at it. Yeah, there are
like pockets of fifty people here and there. Yes, what a pain in
the ass that is. I know, it's just like I haven't had a
heat. I have to just spond. Look, I lived in a soulal
counstries. I know how to deal with this kind of stuff. But you
know, this is America. I think what they're saying is is that this
is going to be fixed today. Did you see that? I didn't see
that, But the fact that you know, I left to go to work
at nine and there still knows time. If anyone is wondering what I'm doing,
I went to the Excel website and you find outages. You go there,
you put it under. It's a pretty damn good map and it shows
you what's out, how many people are affected, and if there are multiple
outages, and there are multiple outages with fifty or less impacted, so what
I think, Yes, I'd still like to make that general inquiry. I'm
sure they're going to say, well, well, you know we're doing it.
Who knows it? Says check your status here, and that's what I
put in. And you did you do this on Excel? Did you go
on and put your actual account number into check your status? You know I
haven't done that yet. Gan. Why don't you do that because every time
you do that, that inquiry goes to them. I would do that and
let us know what you find out. I can't do it. I got
to put in your account number, So I would go to Excel Now to
find outages. You don't have to have anycount number, but to check the
status of where exactly you are you have to have an account number. So
go to Excel Energy and let me know what you find. Three oh three
seven one three eight two five five. Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent until you're content.
Please time for an insurance check up free no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three oh three
seven seven to one help. You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Hi Tom Martino here three
oh three seven one three talk three all three seven one three eight two five
five. We have Steve Cisick with us from Larson Tax Relief Plus. We
have another hour to go. We want to take your calls at three ozho
three seven to one three talk or three oh three Martino three oh three six
two seven eight, four, six six. Listen. Even if you have
a small problem that's just starting, it's better to talk now and get some
general advice and waiting for it to fall apart or hoping that it's going to
be fixed. And we can talk about anything from your house to your car,
to your career, to your finances, to everything everything buying and selling,
what to buy, where to buy, when to buy, why to
buy, and who to avoid three oh three seven to one three talk Now,
let's go, Steve. I have some questions that were facts to us.
One is about, uh, they didn't get a chance to get this
entity done. They have to file tax, but they know they're not going
to owe money. So is there a real consequence to not filing right on
time? For that particular one depends on the type of entity. If it's
an eleven twenty year and eleven twenty ess and what the hell does that mean?
I mean like it's an LLC. If it's an LLC and it's going
to be attached to their ten forty, which is called a schedule. See
the necessarily you don't have to report on there if there wasn't any you know,
expenses, you don't it's a standalone LLC with partners or not partners,
but other well, yeah, other members. Like so let's say there's three
members. That's what this guy is saying. I know the company three members
LLC. They didn't have much business and they don't have no profit. They
have no profit, no tax do but they just didn't get around of filing.
Yeah, so they're going to get penalized. They need to file,
you know. I thought it's penalty based on what you owe. It's no,
not necessarily you still have to file the return. It's an informational return,
you know, So especially if there's partners, what would they what would
they penalize? You do? You know there is a penalty per partner really
like ten thousand dollars. It can be if there's you know, enough partners.
So isn't it shouldn't They just put in any kind of extension and that
would have ship. But I thought they I thought entities were a month earlier
than Yeah, at this point they're late. They should file something. And
if this is their first return and they haven't had a previous return that was
owed, they can actually file to get those penalties waived. So just file
it, and there's a farm eight forty three. You can just file it
and say, you know, first time at batement's what it's called, and
they'll wave those penalties for the first one and then moving forward, just file
it even if you don't anything. You know, typically you want to file
on personal taxes, the penalty is tied to exactly what you oh, exactly,
So there are no penalties if you don't. Oh no, not on
the personal tax. But if you don't file because you think you don't owe
and you keep doing that, then they can file for you and they may
assume you all right, Well, at that point they just throw the book
at you because you get no deductions, you get no expenses, you get
none of the you know, the things that would make it so that you
don't know, So just file it. Substitute return for you. Oh yeah,
they will. And what is that based on? Well, how do
they estimate incomes and stuff? So essentially the irs is going to get a
bunch of documentation from people that are two two's anything the mortgage company sends them,
you know, all sorts of things, and then they're going to look
at that and then they're going to generate a return based upon their perceived income
that you've received. Now there's an age old problem I want to send I
want to talk to you about, and that's called matching ten ninety nine Again,
I know you love this one. There are companies that keep track of
income religiously and they report their income. Now the ten ninety nine are separate,
but they're included in that amount. So let's say you have ten ten
ninety nine's at one hundred bucks eats, right, so you have one thousand
dollars of income. Now you report on SCHEDULECEE or wherever wherever you report it,
you report the thousand dollars income, but you report it as ABC LLC
or ABC tom Right doing business whatever. So you include the ten ninety ninees
or not? You include them, right if you have them. But do
you say on that schedule somewhere that these ten ninety nine are incorporating into that
amount you need too or else? Do you have to go line by line?
Yeah? So they want to. It sucks. I mean, really,
what do you do if you have a The way that Dais looks at
it is they say, okay, well there's one thousand dollars of income.
We're gonna go ahead and accept his his you know, voluntary reporting on that.
We see all these other income components that he hasn't listed. Oh,
we're going to add those two now right when you yes, what do you
do? You got to match? You have to match him or else they're
going to add that to you as an additionally. Wow, okay, we
have more coming up. If you have questions. You're a business, now's
the chance three oh three seven one three talk or three oh three Martino go
with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay
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list your home with Remax Alliance three all three nine two zero sixteen twenty two.
Yeah, ripped up news need advice so you don't have come Running's just
as fast as we can. Shooter's gonna help coming. Man Dix is the
Troubleshooter show No Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three all three seven to one three talk is our number for the
station here and then three all three seven one three eight two five five.
So what we can do is take calls also at three oh three Martino three
oh three six two seven eight four six six, and you can leave a
message if we're not there on that one and we'll call you back. You
can call that twenty four to seven through Martinez. Hey Brad, what's going
on? Hi? Tom? I have a question about whether or not an
HOA is way out of line. Okay, I'll give you my opinion,
or maybe we can weigh in with somebody on the legal aspect. But first,
just tell your story, Brad. Okay, I have a neighbor whose
house has been on the market for about seven months, and I've come to
learn that they have had ten offers on their house. But the lady that's
in charge of the arc committee or architectural committee apparently has been interviewing the buyers
and feeding them a bunch of information, and all ten offers have been withdrawn
because of HOA issues. Now, what do you mean do you know why
they were withdrawn? After talking to who what what is her position of the
arts committee? Hold on the Are you saying ARC our ARC the stand for
architectural committee? Okay, like the ones who enforced covenants? Yeah, uh
huh okay, I don't understand. Why would she even interview them? I
don't get it. Well I don't either. I don't think they have any
right to butt in between the buyer and the seller of a of a property.
Well, what I don't understand is like, for example, how does
the how does the are the the Architectural Review Board even know that there is
an offer on the house? How do they contact the buyer? How does
this happen? I doubt I'm not sure. Well, see, Brad,
I need all of this information to see if it's tortious interference or if they're
doing what's called a fiduciary or a potential fiduciary a favor. I mean,
there's really that much leeway. Are they doing something out of duty or are
they interfering? What do you think? I mean, what did the neighbor
tell you? Well, apparently some of the perspective buyers have contacted the HOA
just I guess just to talk about it. Well, you know what that's
a good thing. Most buyers or their agents should contact the HOA, and
when they do, they say something like this, I'm thinking of buying the
house at one two three Mulberry Street, and I'd like to know the condition
of the HOA or whatever. And the HOA then says, well, let's
meet with you, or they talk to them on the phone or what.
But yeah, unfortunately I don't have a lot of Well see that's what I
mean, Brad. I mean, I don't chastise you for calling. That's
fine, but I don't know I even have enough information to go on.
So is it something like this, the house has some architectural problems that have
to be fixed to come up to covedence? What do you think is being
said? Has anyone shared with you what's being said? Not specifically? Okay,
Well then then I can't help you. You suspect though, that the
HOA is interfering, and I can say this, hold on, there is
no interference. If someone buying a house calls the HOA and the HOA renders
opinions, now I just don't know unless unless they're giving editorials. I don't
know, So can we, Brad? Is your concerned about this. Oh
yeah, they're very disturbed about it. Did they know you're calling me?
I know? Can you ask them to call us for help? Seriously?
This could be an issue or not. Did any of the buyers ever tell
him why they withdrew their offer? They just said because of h o A
issues. What did you know what issues they are? No? I don't.
I'm My biggest thing that I was concerned about is does h o A
have any right at all? But in between a buyer and a sewer?
Okay, Brad, you keep asking the same question. I keep giving you
the same answer. The answer is if they are budding in, is it
one information that is truthful requested by a potential buyer or is it too tortious
interference? What do you think? We don't know yet? And why do
we not know because we don't know the circumstances of the conversations. So what
I'm gonna do is what's that I'll do like you said, and pass it
on to the UH, to the feller. Here's what I would say.
I would say to your neighbor. Hey, you know, Tom Martino listened
to this and said it could be one of two things. It could be
serious or not but you maybe want to find out and then say if you
want, he'd be happy to talk to you. In fact, Brad,
what you could do is just give him the three Well, give them three
h three Martino and then if they just mention you, Brad, you know,
recommended I call, We'll take the call. I would love to hear
from them because I don't know what's going on now. I will tell you
this. There have been crazy stories in the past where hoa is if they
don't want someone there, will lie that's tortious interference or say things about,
well did you know that house had foundation problems? Or you know, if
I were you, I'd look twice because our ha is in big trouble and
we're going to have a massive, you know, appraisal or assessment. So
it could be someone being devious. We just have to know more details,
right and then we've had cases also, we've also had cases where neighbors did
not want someone to sell the house because I don't know why. They were
just jerks and they would literally start threatening the neighbor. Not threatening, but
they put up signs. One guy I want to remember one time put up
a sign that says we play loud music and party all night long. The
neighbor put that up on their yard. Now, if you're going to find
a house and you see this big handwritten you know, wouldn't you think okay,
turn around to leave. Because the last thing anyone wants as soon as
they move into a house is or I have vicious dogs, play loud music
and party all night long. I mean, the last thing you want,
even if you love the house, is a problem in the neighborhood. So
yeah, have them call me back three oh three seven to one three talk
three all three seven one three eight two five five more with Larsen, tax
relief and anything else you have on your mind. Right after this, go
with a sure thing Denver's Best roofer Excel Roofing dot You don't pay a cent
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three all three seven seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot com to list your home
with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom
Martino, your troubleshooter. Three all three seven one three talk seven one three
eight two five five. We have Steve Cizik with us from Larsen tax Relief
dot Com. And we have some questions for Steve. And uh, let
me just hear. I just saw it some time on a tax question.
I filed taxes. Okay, let's see tax question in twenty twenty three.
I filed. Let me just make this a little bigger here, okay.
I filed taxes for twenty twenty one. I was late. It calculated my
child tax credit as two grand. However, I got an IRS letter indicating
I receive fifteen hundred as an average as an advanced tax credit. I don't
understand what that means. Do you know what he said? I'm not really
sure it okay, okay, And it says therefore only five hundred credit will
be applied. Oh, they said he had already gotten some kind I never
even heard of an advanced child credit, have you There was a Yeah,
there's an increased credit with some changes to the law under Trump. So you're
getting more money. First, he says, I never got fifteen hundred,
So what do I do. I only got so he's claiming they're not giving
him as his tax credit because he already had gotten it, but he didn't
get it. And I'm not a caller or texter, I'm not exact exactly
sure. How can I verify the fifteen hundred was sent and where it went?
So let's talk about that in general. If payments were sent and hijacked
or whatever, what do you do? Does the IRS keep track of where
they sent it and when they sent it? Well, I guess the first
step was to see if they sent it. So that's when you call the
taxpayer transcript Okay, call the advocant. Well, yes, well if they
sent if they're if they proved on the transcript, or they have record that
the IRIS sent the check, so it'll say on the transcript fifteen hundred dollars
refund or whatever it is. And you didn't receive it, that's when you
didn't need to connect with the advocates. Say hey, and I have never
received it. He got a letter saying you got an advanced childcare credit and
he's not childcare. But what if they actually call it it's a child tax
credit, which again I never heard of. But I mean, that's just
it's it below the line credit. Yeah, it's just basically, if you
don't owe anything, you almost you get that money back. Okay. Also,
here's the next one. Then, so he calls taxpayers that could asked
for a transcript of that check or where it was sent, and they'll okay.
So if it was cash but it was fraud, what do they do
about that? So if you can prove that the check went out and was
cashed not into your account, then advocate can actually help you to get that
money back. Okay. Yeah, the diires will eat that. It's a
it's okay, fulating. That's really good to know. Here's the next one.
I owe taxes from twoy eleven to twenty twelve as a result as a
result of an audit in twenty thirteen. So I guess he owes taxes from
eleven to twelve based on a twenty thirteen audit. So two years he owes
taxes. I have read that they won't come after me after ten years.
So since this was eleven and twelve, do I have anything to worry about?
So the collection statutes are essentially a ten year statute from the date in
which the assessment was made or the date in which the return was It was
it made in twenty thirteen on the audits, that's the question. So if
he was audited in thirteen, potentially the audit carried through to fourteen or fifteen,
so you'd have to look and see when they actually assessed him with those
additional balances, and that's when the clock starts. So if it was made,
why I need to do anything, he asked, Well, you know,
at this point you can call and find out when those assessments were made
and then you can do that calculation. And actually that year, they absolutely
can't do anything right unless there's been anything to delay it, which so if
you fileffer and compromise or an appeal or something, that can tell that statute.
But if it's just been running and let's say it was July have twenty
twenty three, it should have expired by now, okay, now twenty thirteen.
Now, speaking of taxes and finance and all of that, here's the
report from this month or late last month, so it's brand new. For
the first quarter. Business optimism is the lowest it's been since two thousand and
twelve. Now, what is a small business optimism Index. What is it?
What it is is a perception of what small businesses think of the economy
and their outlook. It's not necessarily something that has happened. It's not a
lagging indicator. It's more of a leading indicator, right, because this is
if they believe that there must be a reason, or you could consider it
a lagging indicator, meaning what has been going on leads them to believe this.
However, it doesn't matter. But it is the research foundation for the
Small Business Economic Trends Council. Here's the thing. There's an organization that put
this together called n FIB, and NFIB is what they call themselves is the
Voice of Small Businessiness. And they put together this Optimism Index, and it's
usually for small business. So here's what they measure. Your plans to increase
employment. That's an indicator, that's a leading indicator. And they say eleven
percent, meaning eleven percent will that's a small number, all right? Then
they give that a score. Plans to make capital outlays only twenty percent,
really bad right for small business. Listen to this one. Plans to increase
inventories negative seven percent? I mean that now, listen to this. Do
you expect the economy to improve negative thirty six percent. Now, let me
tell you something. Even though they call these percent indexes, when does perception
become reality. Well, let's put it this way. If they don't believe
the economy is going to be good, they're going to hedge. They're going
to protect themselves, right, They're not going to spend as much. They're
not going to make big capital investments, and they're not going to hire.
They're going to what I call be in a defensive position. In a defensive
position, then you have them spending less, hiring less, and you have
it leading into the market. If several small businesses do that, do they
expect sales to go up? No? Eighteen percent. Here's what they figure,
a negative eighteen percent in sales, that's the average on this survey.
They also believe current job openings right now are way less than what the administration
is reporting. They say only thirty seven percent of small businesses are even looking
to hire. Negative eight percent. Is on whether whether or not you expect
good credit conditions. Is it a good time to expand four percent of the
businesses say no, I mean yes, yes, only four percent. Ninety
six percent say not. A good time to expand next earnings trends. What
are their actual earning trends. They're downward negative. Twenty nine percent believe that's
that's how bad they believe the perception is for earning trends. So that's a
big problem. And that and perception a lot of times can dictate how businesses
operate. Well, it dictates how people spend money. I mean, it's
it really is a real thing. When people believe. For example, a
guy who feels he may be laid off. He's not, but he feels
he might be, he might put off a car purchase. If he puts
off a car purchase, that's going to affect the manufacturers, dealers, salespeople,
AH support staff, sure gasoline, and anecdotally, I mean, I
have these conversations a lot because it is tax season, and I have a
lot of business owners calling me and saying, well, I owe all these
taxes. You know, well, how can I pay all these the economy
is going to be so bad. But then you look at their p and
L and their taxes. There's a reason why they owe so much taxes because
they had a banner year. And the perception and reality are two different things.
It's it's something that these business owners have to get their head wrapped around.
It's like, yes, I know that there's pessimism in the economy right
now, but if you actually look at your books, you're doing really well.
If you look at real a coincidental current indicators, there's not many bad
ones. Right. No, they're doing very well now. But that doesn't
mean that in three months. They know you do that very well. But
why, I wonder why? And listen, I'm not a big fan.
I'm not a big critic. I don't want to get into the politics of
Biden. But he has not gotten credit for anything, even the positive indicators.
But they do blame them for the inflation and for rising gas and for
other things. Now, I'm not saying, you know, let's all get
on byden Society's a great guy. But truly, the indicators of the economy
do not indicate how bad. People think. It is exactly right, exactly
right, and so they're preparing for this eventual what they're worried about so crazy,
which is a crazy thing could happen. A lot of these positive things
can turn negative because people expect them to God speak them into existence. Right,
So yeah, I think the negative connotations in the economy right now are
not reflective of the economy, but that doesn't mean that it may not lead
to that because of the way that people are perceiving it, which is interesting.
It doesn't follow any current economic theory. That for me, it's hard
to track because I would like people's opinions on that, even my YouTube morons.
Speaking of YouTube morons, one ass what's going on with that Santa Fe
and Planet Hyundai. Uh well, I'm going to ask, I believe who
did I ask to call over there, Deputy Chopper, And we're going to
follow that up right after this go with a sure thing Denver's Best Roofer Excel
Roofing dot com. You don't pay a cent until you're content than time for
an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage
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one help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three all three
nine two zero sixteen twenty two qualitative Hi Tom Martino. You are a troubleshooter.
Three oh three seven one three talk three oh three seven one three eight
two five five. What's going on in your life? You know it's really
David. Uh it's really hard face. I'm going to go to you chopper
in a second here. Uh so hang on with that planet Hyundai. We
want to know what you found out, David. What's going on with this
apartment eviction? It looks serious to me? What's happening, David? David,
are you there, sir? Yes, I am. What's happening?
All right? I'm seventy three years old. I had a stroke and I
have a short time memory. So I would like to spend my problem to
you, and then you ComNet me know what to do? Yeah, okay,
tell tell me what's going on? You're seventy three? What's happening?
Back in February, I wasn't able to pay my rent because I was sick
and I have a part time job to how many payment for my rent?
So I didn't pay and you were unable to pay rent. One month in
February, I didn't pay my rent. I got an eviction notice, so
I was waiting for the summons to go to cart. Is that the only
time you skipped rent? And then that's in February. I never got to
summons to go to cart. And then in March I slipped rent again,
and I never got an adviction notice from March, and I still never got
an adviction of summons to go to cart. So come April, pourist.
I took my one month rent down there for April, and I gave it
curious to ticket, but I asked about February March. It's because well,
my bar is still looking at it. And then that's wait a minute,
you didn't pay February, you didn't pay March, but you paid April.
And you said you got an eviction notice but not a summons. No,
I never got a summons. I got eviction one from February, but I
never got addiction one from March. They don't have to give you another one
for March. There's just one eviction notice. Then they served you with a
summons. I got that last night after Okay, see, you were under
the impression they have to do every month. They don't, so they did
it the right way. You got a notice, and now they filed for
an eviction court action and you have to be in court when in seventeenth of
what this month? Okay, so a what's that? No, it doesn't
matter that April was applied. See that's the problem. You can apply it
to April, but no matter, or you can apply it to February.
You can apply it, but no matter where you apply it, you're still
two months behind. Will they give you any kind did you try to negotiate
a repayment schedule for those two months? Oh? Not yet, something,
I have to do it on the seventeenth. Well, and the seventeenth you
go to court, right, and most likely all the judge does is validate
that there's a lease and that it's a legit charge. The judge is not
going to work out a payment plan, nor even suggest one. You need
to meet with them before you go to court, because once they go to
court, you're gonna get an eviction order and then they're going to move you
out. All right. Somebody telling me once they accepted April rent that they
got to start the eviction over. No they don't, No, they don't.
Okay, in the eviction notice, the thing you're calling a notice,
did they ask for payment they have? Yeah, they said I have thirty
days to come up with the payment. Why didn't you? What's that?
Why didn't you? I didn't have it? Oh, I see, okay,
how much is your rent? How much is your rent? So you
owe? You owe twenty nine hundred dollars for those two months, right right?
Yes? Plus you owe probably legal fees. So what's the total you'd
have to pay to get out of eviction? Is there an amount they will
take? No, I haven't talked to nobody yet. Nobody. I haven't
talked to nobody. No. No, they usually do want to talk.
They usually do want to settle. They don't want to go to court.
If they don't have to, you have time to call them. But what
difference does it? Well? No, no, it does make a difference.
If you ask for a payment schedule, I will call them and talk
to my learn who work with me. If you listen, would you call
call us back if you can't? But the first thing I would do is
all say you know, I got behind because blah blah blah, and then
I want to make up the back rent. Can you give me a payment
schedule on top of my regular rent? That's what I would do, But
don't don't go in their half cock thinking they can't evict you because you paid
your rent. Once you're late on rent, they can start the eviction process
until it's paid. They don't have to file every time you're late. You
don't get a notice. Okay. I also was sold that they had to
give me a summons to go to cart with you ten days I think after
the eviction, after the thirty days up. So there is no no see
you look it. I don't know the exact process. I always I always
get hung up on it. But here's here's what I want you to know.
They probably have a right to do what they're doing, and to fight
the process, says is stupid. And here's why. Here's why. It
just starts the process again. Even if you were right, and you're not.
But even if you were, it would start the process again. You
would gain nothing. They're still going to evict you. Oh yeah, tell
me this, what tell me this? What good would it do if they
had to start the process again for you? How would that change your life?
Nothing? Change nothing? Right. The only thing that would change something
is if you could pay it back somehow. I'm a concien make I'll pay
you. Why don't you do that? Would you call us back. I'm
gonna mark this down so I remember you. You call us back, okay,
David, all right, no seriously, and like I said, when
you do it, don't make it sound like, Hey, you guys didn't
evict me, right, you didn't give me the right notice and right time.
Just say, listen, I have to go to court. Is there
a way we can settle this beforehand? I am willing to go on a
payment plan. I'm disabled. I had a stroke. Then call me back.
Okay, all right, let me know. Thank you, David,
thank you. Let me know. I hope that works. We have more
coming up. Three oh three, seven to one three. Talk Genesis Total
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for an insurance checkup free, no obligation. In comparison, call Compass insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three seven to seven to one. Help. You'll think you're his only when
you choose Frank durand the real estate man dot com to list your home with
Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino,
your troubleshooter three O three seven one three talk seven one three talk seven
one three two five five. Deputy Chopper, we have this Planet Hyundai situation
that advertised a vehicle and wouldn't sell it for that price. We've had other
complaints about that happening with Planet Hyundai, and I asked a simple question.
We identified a vehicle on their website. They had a price on it.
I wanted to know, will they sell it for that? What did they
say? The problem, they said was the webmaster had put in the wrong
amounts. I give it. That's okay. That would be the second time
he put in the wrong amount. Then okay, But this thing really just
got weird. I talked to the sales manager. He says, they will
sell them for the price that they had showed thirty seven. Uh no,
actually they wanted thirty eight two oh seven. When I talked to him,
right that was on the website. Right. However, just now the price
of that car has dropped down to thirty five seven oh seven. Why,
I just looked at it, and he says he will sell it for that
price. However, the trailer, hitch and installed everything will be an additional
eight hundred and fifty eight dollars. But eight hundred and fifty eight and thirty
five seven oh seven is just about what that tim wanted. So I want
to call it right, and it is what he wanted. But see,
here's the problem with these people. They advertise I see it now, it's
now thirty five seven, but they still have the damn toe package listed as
an option, when really that's an extra eight hundred dollars. That's true,
but let me tell you what they say. The toe package on the Santa
Cruz is only the wiring from let's say, the tail light to the receiver.
It doesn't hook up to the receiver. So when you look on for
what a but does it have a receiver? No, okay, that's not
part of it. It's just the wiring that would go down to the receiver.
Then then is that is that is that proper to call it a toe
package? I know that's not such a big deal. But is it proper
to call it a toe package? I would call it a wiring package.
Yeah, I mean, you know this is a great price. Did you
talk to Tim because he should go buy it. He was willing to pay
that in the very beginning. No, the price just dropped as I was
getting ready to, Okay, call him. Do you have his number?
Yes? I do. Tim. I don't know if it was because of
us, but that damn price went down to thirty five seven oh seven.
And even let's not even argue about the toe package, because even if you
add the dang toe package, what does it come to. Did you actually
do the math on the thirty five to seven oh seven? What did he
say it was gonna cost? Eight eight fifty eight equals thirty six five sixty
five. So for thirty six five sixty five, Bro, you get that
one you wanted with the toe package you wanted. And that's a great deed.
Tom. There's one more quick, go ahead, quick, he said,
go to U haul for the toe package. They're cheaper. Oh cool?
All right? Hey, by the way, uh, Larsontax Relief dot
Com thanks for being here. Eight four to four Larsen Tax that's eight four
four Larsen Tax and Steve Sizzek, thanks for being here, and don't forget
three Zho three Martino for help.