WEBVTT 1 00:00:05.120 --> 00:00:14.320 Ripped news need advice, so you don't have come run in just sus fast 2 00:00:14.400 --> 00:00:22.519 as we can. Shooter's gonna help come man, This is the Troubleshooter Show. 3 00:00:22.640 --> 00:00:28.079 No Tom Martino, Hello, Tom Martino here, Welcome to the show. 4 00:00:28.160 --> 00:00:33.320 Three oh three seven one three Talks seven one three eight two five five. 5 00:00:33.439 --> 00:00:37.359 Today's insurance Day. Among other things, Compass Insurance Group is in the 6 00:00:37.359 --> 00:00:40.399 house. It can save you tons of money. Plus, we're talking about 7 00:00:40.439 --> 00:00:47.119 anything near and dear to your heart and pocketbook. Anything three oh three seven 8 00:00:47.200 --> 00:00:50.439 one three Talks seven one three eight two five five. Waterpros dot Net. 9 00:00:50.560 --> 00:00:55.000 How about that water? Water is essential to our nutrition and our health. 10 00:00:55.439 --> 00:00:58.560 Water Pros has the best water systems at the lowest prices, not just for 11 00:00:58.640 --> 00:01:02.840 laundry and plumbing, but for your body. Three oh three eight six two 12 00:01:02.960 --> 00:01:07.519 five five five four whole house system starting at around thirty five hundred at the 13 00:01:07.560 --> 00:01:11.680 best systems. Now, compare that to plumbers will charge. Plumbing contractors charge 14 00:01:11.760 --> 00:01:15.120 in excess of eight to ten grand. So Waterpros dot Net three oh three 15 00:01:15.159 --> 00:01:19.519 eight six two five five five four drinking water fourteen hundred bucks. It's wonderful. 16 00:01:19.519 --> 00:01:23.519 Now listen, we're going to talk about anything you want. But I 17 00:01:23.560 --> 00:01:26.719 have a joke. It's a media joke. It's not really a haha. 18 00:01:26.760 --> 00:01:30.879 You're not going to bend over backwards laughing your ass off. But how about 19 00:01:30.879 --> 00:01:36.000 this, if I could sum up the show with today's world, let's just 20 00:01:36.000 --> 00:01:41.159 blame everything on certain things. If we had to pick the main cause is 21 00:01:41.200 --> 00:01:45.680 for all of our problems, what would they be. I'm not going to 22 00:01:45.760 --> 00:01:49.760 mention this until Mark gets on the mic. So he's I see his ass 23 00:01:49.799 --> 00:01:53.200 in there kind of sauntering in, not really ready. So I'm going to 24 00:01:53.239 --> 00:01:57.239 go to a little lake. Keep going. Now, I'm gonna I want 25 00:01:57.319 --> 00:02:02.439 to solicit you or ask you some ideas. And Brian Burns here with Compass 26 00:02:02.480 --> 00:02:08.560 Insurance Group as a joke, I want to I just want to ask You'll 27 00:02:08.560 --> 00:02:12.400 know what I'm going to say, the blame game. But deepak, right 28 00:02:12.439 --> 00:02:17.919 now, let's talk about windows. What's going on? Deepop? Hi? 29 00:02:19.039 --> 00:02:24.759 Tom? Thanks? So I actually reached out to this company, the Kicklinger 30 00:02:24.919 --> 00:02:32.479 Glass Company, and about register replace the glass of the cracked glass of my 31 00:02:32.479 --> 00:02:38.319 exterior window. Okay, so you wanted to just replace one pain on an 32 00:02:38.360 --> 00:02:46.840 outside pain of a window, yes, okay? And he actually gave me 33 00:02:46.879 --> 00:02:52.080 the code of six and forty eight dollars to replace. I don't want to 34 00:02:52.080 --> 00:02:54.560 interrupt, but if you have a duel or triple pain window, can you 35 00:02:54.639 --> 00:02:59.240 do just one? Well, Mark, what I think he's talking about what 36 00:02:59.280 --> 00:03:04.039 you can do? And that's a really good question. You can't do one 37 00:03:04.240 --> 00:03:10.919 of a triple or double pain because they're called insulated glass units igus. Igus 38 00:03:12.199 --> 00:03:16.120 are complete units and if one cracks, you have to replace the IGU. 39 00:03:16.840 --> 00:03:22.080 However, there are some glass that are are just you know, single pain 40 00:03:22.360 --> 00:03:25.240 or just old fashioned that he can change out. So, Deepak, I 41 00:03:25.319 --> 00:03:31.199 assumed you were talking about the insulated glass unit, right, that is correct, 42 00:03:31.840 --> 00:03:37.719 okay? And what happened? So he gave me a quote, and 43 00:03:37.759 --> 00:03:43.319 that happened on January twelfth, and we signed a contract and it was just 44 00:03:43.479 --> 00:03:47.319 one window, right, one window, and the quote was for six forty 45 00:03:47.400 --> 00:03:52.759 eight. That is correct, okay. And what's the name of the company 46 00:03:52.800 --> 00:03:59.800 that gave you that quote. It's a Kicklinger Glass lcc LC. Sorry, 47 00:04:00.199 --> 00:04:06.120 Kit, I can't understand the name of spell it for me kid kite Linger 48 00:04:06.439 --> 00:04:12.639 k I G h T l I n g E R Okay. So anyway, 49 00:04:12.680 --> 00:04:15.839 what about it? Yeah, so I gave him an advance of fifty 50 00:04:15.920 --> 00:04:21.000 percent of three hundred and twenty three dollars and he said the glass will be 51 00:04:21.079 --> 00:04:25.959 ready in two to three weeks. Then I reached out to him after three 52 00:04:26.000 --> 00:04:28.759 weeks. He said, so basically, have you gotten the glass or not? 53 00:04:30.160 --> 00:04:32.079 No? No, how did you find kite Linger? How'd you find 54 00:04:32.160 --> 00:04:39.319 him? It was I searched him up Google him, and I think I 55 00:04:39.439 --> 00:04:43.800 did the search on the treads list as well. So they're not responding at 56 00:04:43.800 --> 00:04:47.600 all right now. He is responding in the sense that I asked him, 57 00:04:47.720 --> 00:04:50.600 when are you going to replace the glass? When are you going to replace 58 00:04:50.639 --> 00:04:55.759 the glass? He keep on dragging me. Now we are at the point 59 00:04:56.560 --> 00:05:00.399 that I asked him that I need but refernd back. If you're okay, 60 00:05:00.680 --> 00:05:05.959 when when did you first? When when did they order it? On January 61 00:05:06.079 --> 00:05:15.600 twelfth? It's not terrible at this point still, And and how much did 62 00:05:15.600 --> 00:05:19.439 they take? You said, just part of the six hundred right, It 63 00:05:19.600 --> 00:05:24.279 took half three twenty Okay, So here's the deal, man, here's the 64 00:05:24.319 --> 00:05:32.319 deal. I don't think I don't know. I don't think I don't know 65 00:05:32.399 --> 00:05:36.319 this company from anywhere. But I don't think this is time to panic. 66 00:05:38.519 --> 00:05:41.720 Sometimes it can take a long time if they have to make that. Did 67 00:05:41.720 --> 00:05:46.439 he explained why it's delaying. No, he did not, and he keep 68 00:05:46.519 --> 00:05:49.759 on dragging me. And we are at the point that he said, I 69 00:05:49.839 --> 00:05:56.319 will give you the refund back, and it's been almost one week. He 70 00:05:56.439 --> 00:05:59.040 said, I will give you the refund. I'll give you that a fun 71 00:05:59.519 --> 00:06:03.879 and I send him a denign letter as well. But he is not defunding 72 00:06:03.920 --> 00:06:06.560 me. In my mind, how did you pay that that three twenty in 73 00:06:06.600 --> 00:06:14.600 a check? Uh? True? Zoo ah crap, Okay, all right, 74 00:06:14.680 --> 00:06:20.000 here's the deal. We can have Deputy Doc call over there. I 75 00:06:20.040 --> 00:06:26.319 think, however, I think you know Mark, do you remember fifty two 76 00:06:26.360 --> 00:06:31.759 eighty? Are they still around? Eighty? Is window glass, window glass 77 00:06:31.759 --> 00:06:36.399 and screen repet No, God bless that guy. He he actually packed up 78 00:06:36.480 --> 00:06:42.199 and decided to move. I can't remember what gome to another country to help 79 00:06:42.399 --> 00:06:45.399 orphans. And I'm not kidding. No, No, he's doing mission work. 80 00:06:45.439 --> 00:06:50.600 You're right, you're right, But there are there are people that do 81 00:06:50.680 --> 00:06:58.600 glass replacement units for failed and foggy units and cracked units. Hey, Tom, 82 00:06:59.000 --> 00:07:01.360 yes, my son had the same thing. He had one pain replace 83 00:07:01.800 --> 00:07:05.439 by somebody on our referral list. Let me call him up and find out 84 00:07:05.439 --> 00:07:09.079 who we use. Yeah, I'm looking right now. If I see the 85 00:07:09.160 --> 00:07:13.399 name, I know who Dyck's talking about. They might have bought that business 86 00:07:13.439 --> 00:07:16.079 too. Man, I'm fifty two eighty. But let me get to referral 87 00:07:16.120 --> 00:07:19.519 list real quick. Okay, good, we'll we'll figure this out. Meanwhile, 88 00:07:19.639 --> 00:07:24.639 let's call over to this place and get his refund. Three zero three 89 00:07:24.680 --> 00:07:28.160 seven one three talks seven one three eight two five five. You know, 90 00:07:28.959 --> 00:07:32.079 Compass Insurance Group does this twenty four or not twenty four to seven, but 91 00:07:32.319 --> 00:07:35.920 seven days or five days a week during normal business hours. You can call 92 00:07:36.000 --> 00:07:42.639 them and they'll do an insurance checkup. A lot of people think, well, 93 00:07:42.680 --> 00:07:45.439 that's just them trying to take a shot at your business. The answer 94 00:07:45.519 --> 00:07:48.519 is yes, they are, but there's nothing wrong with that because the great 95 00:07:48.560 --> 00:07:53.720 thing about checkups and Brian, I think you know where I'm going with this. 96 00:07:54.439 --> 00:07:59.160 Math doesn't lie. In other words, if someone calls you and says 97 00:07:59.279 --> 00:08:01.560 I have also which is a sucky company, or State Farm which is a 98 00:08:01.560 --> 00:08:05.680 sucky company, or maybe another company that's not a sucky company, and they 99 00:08:05.759 --> 00:08:09.040 say I'm paying this much money and I have this much coverage. Either you 100 00:08:09.079 --> 00:08:11.639 can beat it or you can I mean, if you say you can beat 101 00:08:11.680 --> 00:08:15.720 it and then you give them a bill that's hired, it's obviously going to 102 00:08:15.759 --> 00:08:18.519 show up. So in other words, you have to put your money where 103 00:08:18.560 --> 00:08:22.279 your mouth is. Right. Yeah, And but I have never seen the 104 00:08:22.319 --> 00:08:26.720 insurance market like it is right now. Oh, there's so moving, so 105 00:08:26.839 --> 00:08:31.879 many moved. We're going to talk about this because it's it's not just the 106 00:08:31.959 --> 00:08:35.279 price that we're looking at for people. A lot of times we'll say, 107 00:08:35.279 --> 00:08:37.919 well, did you realize this is what you have on your policy? And 108 00:08:37.000 --> 00:08:39.440 either they know it or they don't, and we can say, well, 109 00:08:39.799 --> 00:08:43.799 we can quote it out that way, but do you want it to where 110 00:08:43.879 --> 00:08:46.440 you're responsible for this portion of a loss or whatever? That is a lot 111 00:08:46.480 --> 00:08:50.639 of them are a lot of insurance companies are treating roofing differently than the other 112 00:08:50.720 --> 00:08:56.799 losses. Yep. Yeah. So but one thing we must say, and 113 00:08:56.840 --> 00:09:03.480 that is townhomes and condos are facing extraordinary challenges. Yep. Now, having 114 00:09:03.519 --> 00:09:07.399 said that, I post a lot on next door, I don't know why. 115 00:09:07.519 --> 00:09:11.600 One time Smarty Marty says, hey, you got to go to nextdoor. 116 00:09:11.639 --> 00:09:13.080 There are a lot of people on there, I think they know what 117 00:09:13.080 --> 00:09:16.000 they're talking about. And there are a lot of good people on there, 118 00:09:16.000 --> 00:09:20.159 a lot of crackpots, But everything I post, I get a lot of 119 00:09:20.159 --> 00:09:22.480 crap. My god, every time. Now most of the time most of 120 00:09:22.480 --> 00:09:26.879 the people appreciate it, but I get these crackpots. The first thing they 121 00:09:26.879 --> 00:09:31.960 say, it's a lie, you're exaggerating, it's not true. You know. 122 00:09:31.200 --> 00:09:37.720 Bottom line is this that when I posted about townhomes and condos, I 123 00:09:37.840 --> 00:09:43.120 got so much blowback. I also did that on news Break, where I 124 00:09:43.120 --> 00:09:48.679 write for news Break too. So these forms, what people are upset about 125 00:09:48.840 --> 00:09:52.879 is they say it's impossible, it's never going to happen, they'll never double 126 00:09:52.919 --> 00:09:58.120 homeowners dues, and insurance is not going up that high. And I noticed 127 00:09:58.159 --> 00:10:01.879 a lot of them are from an insurance agencies and they're liars. They're liars. 128 00:10:03.519 --> 00:10:07.279 Right now. Condos and town homes are at a point where they may 129 00:10:07.320 --> 00:10:11.120 net will not be able to get insurance in a few years, or they're 130 00:10:11.159 --> 00:10:13.639 not they're choosing not to do insurance, and then they're changing it and telling 131 00:10:13.679 --> 00:10:18.240 all the owners to get their own insurance. But in some cases, if 132 00:10:18.240 --> 00:10:20.720 you have a condo on the third floor of a six or four building. 133 00:10:20.960 --> 00:10:22.440 How do you ensure your room that's different. You're right, you can't. 134 00:10:24.480 --> 00:10:26.840 Town homes can. But if you're in a condo, you can't insure the 135 00:10:26.919 --> 00:10:31.480 root. You can't ensure common areas, can you? You can ensure And 136 00:10:31.519 --> 00:10:33.200 a lot of people say lost damage assessment. But I want to make this 137 00:10:33.279 --> 00:10:37.360 clear. Is there any loss damage assessment I can get as a condo owner 138 00:10:37.440 --> 00:10:43.960 that will cover a fifty thousand dollars copey? Well, if it's assessment, 139 00:10:45.039 --> 00:10:46.759 if it's a covered peril, in other words, if it was because of 140 00:10:46.759 --> 00:10:54.679 a cover peril, sure we have What if don't they require certain underlying insurances 141 00:10:54.879 --> 00:11:00.519 like an umbrella? Or what if the condo association? What if the HA 142 00:11:00.639 --> 00:11:03.720 decides we can't afford coverage anymore for the roofs? Yeah, and they drop 143 00:11:03.759 --> 00:11:07.440 it? Yeah, Okay, they have liability and all the others. But 144 00:11:07.559 --> 00:11:13.960 let's say they drop roof coverage. Would lost damage assessment cover you if you 145 00:11:15.080 --> 00:11:18.799 had no underlying insurance? Well, here's the problem on it is if they 146 00:11:18.919 --> 00:11:22.159 covered, if they if they dropped the roof coverage, would it be in 147 00:11:22.200 --> 00:11:26.679 the form of a loss assessment? Are they still handling the loss of that, 148 00:11:26.879 --> 00:11:30.799 they would become self insured, so there they would pay for it and 149 00:11:30.840 --> 00:11:33.559 then assess the uniters. I just don't think they would. I think that 150 00:11:33.679 --> 00:11:37.480 what I've seen them do so far, not on a condo but more town 151 00:11:37.519 --> 00:11:41.120 homes is they send out a memo and I actually got one of these yesterday 152 00:11:41.120 --> 00:11:46.200 from a client, where they are telling the individual homeowners, as of this 153 00:11:46.399 --> 00:11:52.399 date, you have to have an HO three, which is coverage for the 154 00:11:52.440 --> 00:11:56.000 exterior of the home, because our policy will lapse as of that date and 155 00:11:56.039 --> 00:12:01.440 they're requiring proof be sent to them. I guess that with a town home, 156 00:12:01.519 --> 00:12:05.679 so that's going to increase the cost they have to get their own roof 157 00:12:05.720 --> 00:12:09.679 coverage. Yes, okay, how do they break down an HO three policy 158 00:12:09.799 --> 00:12:13.399 though, Brian? Did they take? Okay, there's ten owners and I 159 00:12:13.840 --> 00:12:16.000 don't even understand. When they come out to home, they it has to 160 00:12:16.039 --> 00:12:20.519 be demised. It can't be a condo, it must be a town home. 161 00:12:20.639 --> 00:12:24.159 Not a definition, but an HO three would cover My understanding is I 162 00:12:24.159 --> 00:12:28.879 mean it covers stuff like fences, sidewalks, It covers everything. Well. 163 00:12:30.080 --> 00:12:35.399 HO three has some coverage for other structures like a ten percent limit that is 164 00:12:35.440 --> 00:12:37.639 still going to be falling under on the policies I've seen, they still do 165 00:12:37.759 --> 00:12:45.519 have some common area coverage that would cover things like if there was a clubhouse 166 00:12:45.840 --> 00:12:48.840 or fences around the neighborhood, they could still have a policy for that. 167 00:12:48.320 --> 00:12:52.480 I want to know coming up, the differences between HO three, HO four, 168 00:12:52.600 --> 00:12:54.919 HO five hocts, What the hell does that mean? I don't know 169 00:12:54.960 --> 00:12:58.480 what it means. Do people know what I mean? Home owners? Of 170 00:12:58.519 --> 00:13:00.600 course? But do we know what the one? Two, three? Is 171 00:13:00.600 --> 00:13:01.200 there a one? Is there a two? Is there a three? Is 172 00:13:01.240 --> 00:13:03.519 there a four? Really? The only thing you would ever run into is 173 00:13:03.559 --> 00:13:09.399 three, four, five and six of what's the condo? What's a six? 174 00:13:09.519 --> 00:13:11.799 Yeah? H five? What's the normal condo? H six? All 175 00:13:11.840 --> 00:13:16.120 right, Well we're gonna talk about that because I I would assume that if 176 00:13:16.159 --> 00:13:18.879 you had h O two, three or four five six, the higher the 177 00:13:18.960 --> 00:13:22.679 number, the better the coverage. But that's not necessarily so, so that's 178 00:13:22.720 --> 00:13:26.320 that's a good thing to talk about. And more coming up three oh three 179 00:13:26.679 --> 00:13:28.000 seven, one, three, eight, two five five? What's on your 180 00:13:28.039 --> 00:13:31.559 mind today? What can we do for you? I'll tell you what Probid 181 00:13:31.720 --> 00:13:35.159 Energy can do a solar system for you, that's right. Twenty one thousand 182 00:13:35.200 --> 00:13:39.440 with battery back up fully installed. That's with your that's after your incentives. 183 00:13:39.679 --> 00:13:48.879 Probid Energy dot com twenty one grand for most houses. Go with a sure 184 00:13:50.000 --> 00:13:54.519 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 185 00:13:54.559 --> 00:14:01.080 you're content. Time for an insurance check up free, no obligation. In 186 00:14:01.159 --> 00:14:05.440 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 187 00:14:05.519 --> 00:14:09.519 find out now three oh three, seven to seven to one help. You'll 188 00:14:09.519 --> 00:14:13.360 think you're his only customer when you choose Frank durand the real estate Man dot 189 00:14:13.399 --> 00:14:18.120 com to list your home with Remax Alliance three oh three nine two zero sixteen 190 00:14:18.200 --> 00:14:28.919 twenty two. Hi Tom Martino here three three seven one three talk seven one 191 00:14:28.960 --> 00:14:33.200 three eight two five five get your calls in. But as I was seeing 192 00:14:33.240 --> 00:14:37.120 at the start of the show as a little funny, I'd like to come 193 00:14:37.159 --> 00:14:43.200 up with a host of reasons that will suffice for every call. So I 194 00:14:43.240 --> 00:14:48.519 got the first one ready. The first one is it's Donald Trump's fault. 195 00:14:50.720 --> 00:14:54.320 That's the first one. Heys, you see all those charges draped today and 196 00:14:54.360 --> 00:14:58.799 the Georgia call just just minor ones minor ones. They go right to the 197 00:14:58.840 --> 00:15:01.679 heart of it. I don't know what you're talking about. Actually, the 198 00:15:01.720 --> 00:15:03.519 main case is still alive and well, yes, but a lot of the 199 00:15:03.600 --> 00:15:09.519 rulings from today are going to affect the cases against the other charges. Did 200 00:15:09.559 --> 00:15:15.720 they qualify did they disqualify Fanny? No, he's going to decide on that 201 00:15:16.000 --> 00:15:18.200 this week. Here's the only part I was thinking about that. If he 202 00:15:18.320 --> 00:15:24.320 is going to disqualify the entire office, why would he even make that judgment 203 00:15:24.440 --> 00:15:30.240 today about the sixth that they threw out knowing that, you know what I'm 204 00:15:30.240 --> 00:15:35.759 saying, because they might appoint a special prosecutor. Maybe Trump's fault is one 205 00:15:35.879 --> 00:15:41.200 number two, Biden's fault, Okay, And what will be the next fault? 206 00:15:41.279 --> 00:15:46.960 Think about it? Think about it. It's more climate Huh, it's 207 00:15:46.039 --> 00:15:52.799 Martino's fault. Climate change. No, it's climate change. So we have 208 00:15:52.240 --> 00:15:58.799 Biden's fault and Trump's fault. Climate change would be the next reason for everything. 209 00:16:00.200 --> 00:16:03.720 What what else? Let's think of another reason and my YouTubers can help. 210 00:16:03.960 --> 00:16:07.519 I'll tell you another one is let's see think of one climate change, 211 00:16:07.519 --> 00:16:14.200 Biden's fault, Trump's fault? What come on? Name it? Oh? 212 00:16:14.320 --> 00:16:19.600 The vaccination. The vaccination. Hey, that's getting a little weird, man, 213 00:16:19.679 --> 00:16:22.840 I was. I started reading an article I didn't read the whole thing 214 00:16:22.879 --> 00:16:27.120 about people trying to get to a point where they can sue those companies. 215 00:16:27.159 --> 00:16:32.320 I guess there's you know what, here's that. First of all, no 216 00:16:32.320 --> 00:16:37.000 one kept track of the of the adverse effects. No one did because I 217 00:16:37.240 --> 00:16:41.559 I just know they didn't. Never mind, I don't want to get into 218 00:16:41.600 --> 00:16:44.639 it. They don't. They didn't keep tracking. If you told your doctor, 219 00:16:44.759 --> 00:16:48.960 they your doctor sat there with their finger. Never mind, that's what 220 00:16:49.000 --> 00:16:52.399 your doctor did when you told them about an adverse effect. You think they 221 00:16:52.440 --> 00:16:56.960 got on the phone or filled out a form. Come on, you said, 222 00:16:56.000 --> 00:17:02.080 hey, doc, this is happening since the vaccination anyway, So are 223 00:17:02.120 --> 00:17:06.039 there any other things we can trump? Is his fault? Biden's fault? 224 00:17:06.039 --> 00:17:08.920 Climate change took going away, TikTok going away. That that's going to be. 225 00:17:10.319 --> 00:17:11.799 That's I don't change, TikTok is going to go away. Well, 226 00:17:11.839 --> 00:17:15.799 they passed today, and what was it the House? So it's going to 227 00:17:15.839 --> 00:17:18.079 say it's not going to the Senate's not going to approve it. Okay, 228 00:17:18.119 --> 00:17:23.319 So the House overwhelmingly approved it by over two thirds, and you think the 229 00:17:23.359 --> 00:17:29.000 Senate won't for what reason? The House is republican, is republican, and 230 00:17:29.079 --> 00:17:33.039 they want to I just said something that's very important here. Two hundred and 231 00:17:33.039 --> 00:17:37.000 eighty five I think was the number out of three hundred and whatever, Well 232 00:17:37.079 --> 00:17:41.200 over two thirds of the vote. You're saying it's bipartisan, and it's well 233 00:17:41.200 --> 00:17:45.160 beyond bipartisan. It is Mark. What was the vote just informing to eighty 234 00:17:45.200 --> 00:17:48.960 five what to get rid of, Well, not to get rid of TikTok, 235 00:17:49.039 --> 00:17:52.880 but to force them to sell to another company or get the hell out 236 00:17:52.960 --> 00:17:56.640 of the US. You know where they buried themselves, Guys. They buried 237 00:17:56.640 --> 00:18:02.839 themselves last week when any boddy that logged onto TikTok had to enter their zip 238 00:18:02.880 --> 00:18:07.440 code. Once you entered your zip code, everybody that used TikTok last week, 239 00:18:07.799 --> 00:18:11.960 it would tell you your congressman's name. So they had all these kids 240 00:18:11.240 --> 00:18:15.880 from around the country calling a congressman, most of them don't even know what 241 00:18:15.920 --> 00:18:18.480 a congressman is, threatening to kill themselves if they got rid of it. 242 00:18:18.839 --> 00:18:26.400 The stupid Chinese, actually the stupid company, TikTok proved their own point how 243 00:18:26.440 --> 00:18:30.559 powerful they are. Imagine Tom if it was a vote about something like going 244 00:18:30.599 --> 00:18:33.920 to war with China, they would do the same thing. They would use 245 00:18:34.359 --> 00:18:40.359 that TikTok platform to tell people to call their congressmen to vote no on it. 246 00:18:40.359 --> 00:18:44.279 It's crazy. Well, all social platforms are used like that, but 247 00:18:44.319 --> 00:18:51.920 they're not owned by the Chinese government. Well okay, good point. Oh 248 00:18:51.960 --> 00:18:55.440 wait wait, wait, hold on that owner Wait a minute. When he 249 00:18:55.599 --> 00:18:59.039 was testifying before Congress, he says he is not controlled in any way, 250 00:18:59.039 --> 00:19:00.960 shape or form by this Chinese government. They've already proved it is. I 251 00:19:00.960 --> 00:19:04.000 mean, I don't know what else. There's no one that argues that justly. 252 00:19:04.680 --> 00:19:08.680 Are you suggesting that a Chinese hold on? Are you suggesting a Chinese 253 00:19:08.759 --> 00:19:11.960 national would lie to our Congress? Yes, and I think they would also 254 00:19:12.079 --> 00:19:17.319 lie about where that virus came from. But do you remember during COVID when 255 00:19:17.400 --> 00:19:22.519 everyone was shutting down in the China claims they blocked for us when we talked 256 00:19:22.519 --> 00:19:26.720 about the the theory back then. I mean, most of us knew it 257 00:19:26.759 --> 00:19:30.519 came out of the Wuan lab but if you talked about it on Facebook or 258 00:19:30.559 --> 00:19:33.079 YouTube, what would happen? You were blocked? You were blocked, And 259 00:19:33.119 --> 00:19:37.480 we still have those x's up there under the account. It's amazing. It 260 00:19:37.559 --> 00:19:44.680 is not because Mores did. I didn't get those strikes because I talked about 261 00:19:44.680 --> 00:19:47.200 the lab league. Yeah we did. We got one of those strikes on 262 00:19:47.240 --> 00:19:51.519 our YouTube channel talking about the lab Oh. The other strike on the on 263 00:19:51.599 --> 00:19:56.960 the on the Facebook channel I got was for encouraging people to take vitamins to 264 00:19:56.319 --> 00:20:02.440 it to enhance their immune system. It was labeled false information. Am you 265 00:20:02.640 --> 00:20:08.160 Tom? I said we'd all do better if we could enhance our immune system, 266 00:20:10.000 --> 00:20:15.759 but that was considered by Facebook false information. So but to go back 267 00:20:15.759 --> 00:20:18.039 and harp a little more on the TikTok thing, real quick, think about 268 00:20:18.079 --> 00:20:22.039 it. Over fifty six percent of people I think under the age of twenty 269 00:20:22.039 --> 00:20:26.759 two or something get their news. Think of that percentile from TikTok. That's 270 00:20:26.799 --> 00:20:30.000 where they get their news. You know, we kind of laugh at people 271 00:20:30.160 --> 00:20:34.759 MSNBC, Foxy and then they all have their agenda. But these people get 272 00:20:34.759 --> 00:20:41.640 their news from the Chinese government basically TikTok. Do you know what accessible TikTok 273 00:20:41.720 --> 00:20:45.039 is? I mean, surely, honest to God, I mean, really 274 00:20:45.160 --> 00:20:48.559 it. But but I have to admit if I get on YouTube or TikTok 275 00:20:49.000 --> 00:20:52.559 or any of those. They are not so much Instagram, not so much 276 00:20:52.599 --> 00:20:56.519 of those other things. But TikTok and YouTube are addicting. You get one 277 00:20:56.559 --> 00:21:00.039 topic after another, like the shorts, those YouTube tube shorts I love, 278 00:21:00.079 --> 00:21:04.720 I don't. I like German shepherds. I like them all. I mean 279 00:21:04.799 --> 00:21:10.559 I I have to tear myself away from them. There's always something. But 280 00:21:10.680 --> 00:21:14.279 here's what I don't understand with the TikTok Sometimes they're so short, you don't 281 00:21:14.319 --> 00:21:18.160 get you don't even understand the point of posting, or you don't understand why 282 00:21:18.200 --> 00:21:19.960 they're posting it, and you can't see the rest of it. It's just 283 00:21:21.079 --> 00:21:22.920 great. It's crack man. I mean really, they're addictive as hell. 284 00:21:23.000 --> 00:21:27.480 You can't argue Trump's fault, Biden's fault, climate change, vaccination. If 285 00:21:27.480 --> 00:21:32.160 we have to have another universal reason for everything going wrong, it would be 286 00:21:32.559 --> 00:21:36.920 you're missing you're missing one. What Republicans? Yeah, I was going to 287 00:21:36.960 --> 00:21:41.839 say Republicans and then Democrats, So we're not democrats, just Republicans. Oh 288 00:21:41.960 --> 00:21:51.000 really she is? Okay? What yeah, excuse me, she's more conservative. 289 00:21:51.000 --> 00:21:56.279 Who's our gun totin, who's our What is another universal reason? Uh 290 00:21:56.319 --> 00:22:00.319 for for everything being wrong. What let's name it. I think those cover 291 00:22:00.480 --> 00:22:08.039 everything right there. Well, Democrats get to escape by Republican. It depends 292 00:22:08.079 --> 00:22:11.680 on who's doing the blaming, if you if you really take who's doing the 293 00:22:11.680 --> 00:22:18.000 blaming. These cover everything Democrats, Republicans, Vaccination, climate change Biden's fault, 294 00:22:18.039 --> 00:22:23.559 Trump's fault. Mainstream media. Mainstream media is really good, okay media, 295 00:22:23.920 --> 00:22:29.640 mainstream media or was it MSNBC wouldn't even they don't even like, they 296 00:22:29.680 --> 00:22:32.720 don't say Trump's name anymore, of course, less of its negative, which 297 00:22:32.759 --> 00:22:36.519 is all the time. And then the other thing, they when he comes 298 00:22:36.519 --> 00:22:41.160 out and talks about something, they simply won't allow him to have any airtime. 299 00:22:41.480 --> 00:22:44.359 And I don't mean like in studio, I mean just from a speech 300 00:22:44.440 --> 00:22:47.160 or something. They won't even love him because they say he lies, and 301 00:22:47.200 --> 00:22:49.839 they won't allow lies. They cut them off. It's total censorship. Yeah, 302 00:22:49.880 --> 00:22:52.599 all right, three O three seven one three eight two five five. 303 00:22:52.640 --> 00:22:57.720 Got to take a break and talk about uh when we come back. I 304 00:22:57.720 --> 00:23:00.599 have two follow ups for you. I want to remind people the free plumbing 305 00:23:00.640 --> 00:23:07.960 inspection like never before, free, no obligation. This includes the sewer system, 306 00:23:07.200 --> 00:23:11.799 the water heaters, everything, everything, the entire plumbing system eight eight 307 00:23:11.880 --> 00:23:15.319 eight heating dot com from people we know and trust. Call for your free 308 00:23:15.400 --> 00:23:19.559 plumbing inspection and have patience. I'm telling you there's no obligation and no costs. 309 00:23:19.599 --> 00:23:22.200 You have nothing to lose. If you want to know if toilets are 310 00:23:22.200 --> 00:23:26.319 all great, find out. If you want to know if you're wasting water 311 00:23:26.440 --> 00:23:30.359 or too much pressure, find out free three oh three seven seven zero two 312 00:23:30.400 --> 00:23:38.279 seven seven six. Go with a sure thing Denver's best roofer Excel Roofing dot 313 00:23:38.319 --> 00:23:45.000 com. You don't pay a cent until you're content. Time for an insurance 314 00:23:45.079 --> 00:23:51.400 check up free, no obligation comparison call Compass Insurance Paying too much your coverage 315 00:23:51.400 --> 00:23:55.279 at dozens of insurance companies find out now three oh three seven seven to one 316 00:23:55.359 --> 00:23:59.039 help. You'll think you're his only customer when you choose Frank durand the real 317 00:23:59.119 --> 00:24:03.680 estate Man dot com to list your home with Remax Alliance three all three nine 318 00:24:03.720 --> 00:24:12.440 two zero sixteen twenty two. Hey Tom Artino here three all three seven one 319 00:24:12.480 --> 00:24:18.599 three talk seven one three eight two five five So if you have a problem 320 00:24:18.640 --> 00:24:22.480 question, can plain and give us called Mario wants to talk about a contractor 321 00:24:22.160 --> 00:24:29.200 and then uh I want to know causes for problems, if we had to 322 00:24:29.240 --> 00:24:33.319 sum them all up. And then I want to talk about this insurance that 323 00:24:33.319 --> 00:24:37.799 Trump had that could pay out for the sexual harassment. Actually the eighty two 324 00:24:37.880 --> 00:24:41.519 million. A lot of people don't understand this. It wasn't for the sexual 325 00:24:41.799 --> 00:24:44.400 It wasn't part of it was for that, but it was mainly for what 326 00:24:44.480 --> 00:24:48.200 he said after that. It was for the defamation, wasn't it. It 327 00:24:48.240 --> 00:24:51.799 was for defaming Big Chunk. Yeah, all right, anyway, let's go 328 00:24:51.839 --> 00:24:55.640 to Mario. Mario, what's going on? Tom? How you doing? 329 00:24:55.799 --> 00:25:03.160 Good man? What's going on with you? Uh? I've got a complaint. 330 00:25:03.279 --> 00:25:10.160 I suppose about a guy. His name is jeff Jeffrey okay, and 331 00:25:10.200 --> 00:25:15.240 what is this a contractor you worked for or you hired? Well, I 332 00:25:15.279 --> 00:25:22.119 am a contractor so to speak, and I wanted to get out of contracting. 333 00:25:22.839 --> 00:25:30.279 And this guy was flipping houses and he uh said, oh yeah, 334 00:25:30.319 --> 00:25:33.559 well, if you want to invest the money, I can get you, 335 00:25:33.559 --> 00:25:37.440 you know, return on your money really quick. Now did you did you 336 00:25:37.559 --> 00:25:42.559 work on these houses or just invest in them? I just invested and it 337 00:25:42.640 --> 00:25:49.400 was like my first time investing like that. And uh, I signed some 338 00:25:49.440 --> 00:25:57.200 sort of who did you invest with Jeffrey my father? Well, uh, 339 00:25:57.319 --> 00:26:03.119 the money I gave to him, but he put it in uh into t 340 00:26:03.240 --> 00:26:11.279 d A C LLC t d AC and what was that? It was some 341 00:26:11.359 --> 00:26:15.480 little company that he started to do this house. And what I found out 342 00:26:15.759 --> 00:26:22.279 afterwards is that every house that he flips, he starts a TVA or he 343 00:26:22.359 --> 00:26:27.279 starts in the LLC for that exact. That's not that's not there's nothing wrong 344 00:26:27.319 --> 00:26:30.839 with that. There's nothing now listen, hold on, Mario, here's what 345 00:26:30.920 --> 00:26:34.519 I need to know, just some really basic stuff. When you invest in 346 00:26:34.519 --> 00:26:41.440 an LLC with someone else, Okay, did you what were the provisions in 347 00:26:41.519 --> 00:26:45.920 the LLC for distribution of profits and all that? Did you have a document 348 00:26:47.000 --> 00:26:53.480 you signed? Yeah? And so did you actually invest in the LLC or 349 00:26:53.519 --> 00:27:00.680 did you become an owner of the LLC with that person. With an LLC, 350 00:27:00.880 --> 00:27:03.799 you would have to be an owner. It's not really an investment. 351 00:27:03.559 --> 00:27:08.599 The investment would come in the form of a limited partnership. So you were 352 00:27:08.759 --> 00:27:14.000 just basically you formed I know it doesn't look like this, but you formed 353 00:27:14.000 --> 00:27:17.759 an LLC or were part of an LLC that and you own part of it? 354 00:27:17.799 --> 00:27:22.920 Is that right? No? I took this guy on his word he 355 00:27:22.039 --> 00:27:27.839 was going to make me three thousand dollars and three months, and he was 356 00:27:29.160 --> 00:27:36.240 how much did you invest? One hundred thousand, one hundred thousand, okay 357 00:27:36.400 --> 00:27:38.880 to make three percent? No, no, mark, it was one thousand 358 00:27:38.880 --> 00:27:42.079 dollars a month he was making. It would have been annualized twelve percent. 359 00:27:44.480 --> 00:27:48.359 Yes, So after after, after COVID, it was it was like a 360 00:27:48.440 --> 00:27:57.720 year later he paid me sixty five thousand dollars but said that he would pay 361 00:27:57.759 --> 00:28:04.200 me the other fifty thousand dollars. Mario, that Mario, this war. 362 00:28:04.839 --> 00:28:11.079 Listen, did you loan the money or invest the money? I thought I 363 00:28:11.160 --> 00:28:15.839 was investing. Well, here's what I want to know. If well, 364 00:28:15.880 --> 00:28:18.920 here's what I want to tell you. If you invested money, you could 365 00:28:18.079 --> 00:28:22.200 very well lose money during COVID. On this you could have very well loved. 366 00:28:22.200 --> 00:28:25.480 And he doesn't owe you anything. I mean, he could have paid 367 00:28:25.519 --> 00:28:29.440 you sixty five and said that's how much you made. How much of the 368 00:28:29.720 --> 00:28:33.440 LLC did you own for one hundred grand? I don't think I owned anything 369 00:28:33.480 --> 00:28:37.400 of the LLC. I was trusting this guy, Okay, So when you 370 00:28:37.440 --> 00:28:41.839 gave him one hundred grand, you said you signed paperwork. What did you 371 00:28:41.920 --> 00:28:52.519 sign? I have a pro promissory note? Okay, So you're a lender, 372 00:28:52.160 --> 00:28:56.640 Mario, Mario, Okay, yeah, you did not invest anything. 373 00:28:56.759 --> 00:29:02.680 You loaned money to a fix and flipper. Yeah, this is my first 374 00:29:02.720 --> 00:29:06.319 time doing this. No, I'm not I'm not accusing you. I'm just 375 00:29:06.359 --> 00:29:10.640 trying to get an accurate picture. I understand you trusted him, but you 376 00:29:10.680 --> 00:29:15.359 have a promisory note. And that promisory note says that you loaned him one 377 00:29:15.400 --> 00:29:18.880 hundred grand Is that right? Yes, sir, it probably says he loaned 378 00:29:19.000 --> 00:29:23.160 just at LLC, not the guy, right, that's right now, with 379 00:29:23.359 --> 00:29:30.759 this loan that you made to the LLC? Okay? Did it say how 380 00:29:30.839 --> 00:29:42.240 much interest it pays you? I don't see that. What do you mean 381 00:29:42.279 --> 00:29:45.920 you don't see it? Was he just going to pay one hundred grand back? 382 00:29:45.160 --> 00:29:48.720 You said you were going to get one hundred and three thousand and three 383 00:29:48.759 --> 00:29:52.839 months? Does it say that in the in the promisory note that says until 384 00:29:52.920 --> 00:29:57.839 paid at the rate of twelve percent per animal? Okay, it does say 385 00:29:57.880 --> 00:30:03.759 that. And has he ever paid you? Like I said, he paid 386 00:30:03.759 --> 00:30:11.160 me sixty two thousand dollars after a year. I didn't sign it. I 387 00:30:11.960 --> 00:30:15.880 he defaulted on that note, why didn't you get a judgment at least against 388 00:30:15.880 --> 00:30:22.039 the LLC and then put it on the house. Well, because the house 389 00:30:22.079 --> 00:30:25.599 went away. He sold the house when he gave me the fit the sixty 390 00:30:25.640 --> 00:30:29.440 two thousand, so the house was gone. I never put my name on 391 00:30:29.480 --> 00:30:33.680 the house, leaned. What is the first of all you need to send? 392 00:30:33.759 --> 00:30:36.400 You need to send the promise story note. Okay, I'm not sure 393 00:30:36.440 --> 00:30:38.599 what you did. Send the promise sory note. So right now you've been 394 00:30:38.680 --> 00:30:44.759 paid a total of how much right now? Sixty two and he gave me 395 00:30:44.839 --> 00:30:49.119 ten thousand dollars? How much were you I just need to know total? 396 00:30:49.519 --> 00:30:56.200 How much were you paid back in total? Seventy two thousand? Okay, 397 00:30:56.240 --> 00:31:00.039 and you were supposed to make twelve percent? Send that to us. I 398 00:31:00.039 --> 00:31:03.759 want to look at it. If that's the best we can do at this 399 00:31:03.839 --> 00:31:08.400 point. But Mario, if he did everything the right way and you you 400 00:31:08.519 --> 00:31:15.160 loan to an LLC and you didn't get paid, and it could be you're 401 00:31:15.240 --> 00:31:21.240 just out right now. Did the LLC go away? Oh yeah, yeah, 402 00:31:21.359 --> 00:31:25.240 yeah. He went from from the LLC to a corporation to another LLC 403 00:31:25.440 --> 00:31:30.640 then and the house was sold. Well he can't Okay, he can't transfer 404 00:31:30.720 --> 00:31:34.799 stuff out of that LLC without a good reason, But you didn't own the 405 00:31:36.079 --> 00:31:38.720 LLC. Send that promisory note. That's the best we can do is have 406 00:31:38.759 --> 00:31:41.559 somebody look at it. Three oh three seven one three A two five five 407 00:31:45.599 --> 00:31:49.880 go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 408 00:31:49.880 --> 00:31:56.720 pay a cent until you're content. Time for an insurance check up free, 409 00:31:56.799 --> 00:32:01.480 no obligation. In comparison, call Compass Insurance paying too much your coverage at 410 00:32:01.519 --> 00:32:06.200 dozens of insurance companies find out now three all three seven to seven to one. 411 00:32:06.319 --> 00:32:08.799 Help. You'll think you're his only customer when you choose Frank durand the 412 00:32:08.839 --> 00:32:14.640 real estate man dot com to list your home with Remax Alliance three three nine 413 00:32:14.640 --> 00:32:22.400 two zero sixteen twenty two. Hi Tom Martinez, we got this promisory note 414 00:32:22.839 --> 00:32:27.440 and it's just a straightforward promissory note. And all it says is it's going 415 00:32:27.519 --> 00:32:31.599 to pay him twelve percent per annum so until they sell the house, and 416 00:32:31.640 --> 00:32:37.720 so he has to calculate. There is no default provision. So the note 417 00:32:37.839 --> 00:32:43.160 ended at the sale date of the house, and that's where interest is calculated. 418 00:32:43.559 --> 00:32:47.039 You can't calculate beyond that unless you got a judgment because no default provisions 419 00:32:47.079 --> 00:32:50.880 are in the note. So the way I look at this note, it's 420 00:32:50.880 --> 00:32:57.480 a straightforward promisory note with twelve percent interest. It says nothing about percentage of 421 00:32:57.559 --> 00:33:00.680 sale or anything. So it doesn't matter if he lost money or anything. 422 00:33:00.720 --> 00:33:05.640 He just straight out this LLC straight out loan of money and that's it. 423 00:33:05.799 --> 00:33:10.559 They loan the money and he can't dissolve in LLC without standing obligations. So 424 00:33:10.680 --> 00:33:14.839 where is the LLC. Well, it depends. I mean if he literally, 425 00:33:15.440 --> 00:33:17.839 you know it doesn't have any money, he basically went bankrupt, or 426 00:33:17.839 --> 00:33:22.079 if this guy sues him could go bankrupt. I mean, it depends if 427 00:33:22.119 --> 00:33:25.680 he's hiding the money or if they legitimately lost money and had to go out 428 00:33:25.720 --> 00:33:29.880 of business. Right, Mark, I'm not talking about bankruptcy. This guy 429 00:33:29.920 --> 00:33:32.759 did not declare it. This this LLC didn't declare bankruptcy, did he No, 430 00:33:34.200 --> 00:33:36.319 I don't know if he did or not. But I'm saying if this 431 00:33:36.359 --> 00:33:38.680 guy actually spent the money to sue him and got a judgment, they very 432 00:33:38.720 --> 00:33:44.240 well could. That's true, They very well could. That's right. If 433 00:33:44.240 --> 00:33:49.039 there's no fraud involved, that's right. However, you can't dissolve the LLC 434 00:33:49.240 --> 00:33:59.599 without standing obligations. So where is the LLC? Mario? I'll just look 435 00:33:59.599 --> 00:34:02.720 it up. You have no idea where the LLC is? Right? No, 436 00:34:04.400 --> 00:34:07.079 okay, we got to get an attorney in on this. But bottom 437 00:34:07.119 --> 00:34:15.119 line is this, This was a really unsecured promisory note. So what Mark 438 00:34:15.199 --> 00:34:20.280 said is kind of true in that if he doesn't have money, you know, 439 00:34:20.480 --> 00:34:23.480 and well, you can pierce that corporate veil pretty easily if he committed 440 00:34:23.480 --> 00:34:29.880 fraud. But it doesn't matter if he doesn't have anything. You're in a 441 00:34:29.920 --> 00:34:35.880 bad shape right now. You lost a lot of money and flip like by 442 00:34:36.039 --> 00:34:38.760 rate other houses. Yeah, not under this ll Not under this LLC. 443 00:34:38.960 --> 00:34:44.639 He didn't. Now you can go to the Attorney general if you think he's 444 00:34:44.679 --> 00:34:46.679 defrauding. Were you going to send it to our attorney over the break too? 445 00:34:47.119 --> 00:34:51.519 Yeah, we'll talk about this coming up on the Troubleshooter Show. Stick 446 00:34:51.559 --> 00:35:00.000 around three h three seven' three talk Go with a sure Thing Denver's best 447 00:35:00.079 --> 00:35:04.079 rufer excel roofing dot com. You don't pay a cent until you're content. 448 00:35:07.440 --> 00:35:12.719 Time for an insurance check up free No obligation comparison call Compass insurance paying too 449 00:35:12.800 --> 00:35:16.039 much your coverage at dozens of insurance companies find out now three all three seven 450 00:35:16.159 --> 00:35:21.199 seven one help. You'll think you're his only customer when you choose Frank durand 451 00:35:21.199 --> 00:35:24.599 the real estate man dot com to list your home with Remax Alliance three all 452 00:35:24.639 --> 00:35:37.599 three nine two zero sixteen twenty two ript news. You need advice who you 453 00:35:37.639 --> 00:35:45.280 don't have? Come, runious as fast as we can. Shooter's gonna help. 454 00:35:45.559 --> 00:35:52.639 Come man, this is the Troubleshooter Show. Now, Tom Martine, 455 00:35:52.119 --> 00:35:55.599 Welcome to the show. I'm Tom Martino, trying to help you through the 456 00:35:55.679 --> 00:36:00.239 day, through the life, through the year, whatever it is, with 457 00:36:00.400 --> 00:36:04.159 problems, questions and complaints. Three O three seven to one three talks seven 458 00:36:04.199 --> 00:36:07.440 one three eight two five five waterpros dot net the best water systems at the 459 00:36:07.480 --> 00:36:12.519 lowest prices. Get your drinking water at least in line, and get rid 460 00:36:12.559 --> 00:36:15.920 of those nanoplastics three oh three eight six two five five five four Just fourteen 461 00:36:16.000 --> 00:36:22.480 hundred bucks for triple filter reverse osmosis. Now I want to talk about this 462 00:36:22.679 --> 00:36:27.199 deal with Mario. Mario, there's a number of moving parts here, but 463 00:36:27.599 --> 00:36:35.679 what's interesting is you said you invested with TDAC LLC. You you you actually 464 00:36:37.119 --> 00:36:42.079 loaned the money, but you said it was a guy you were doing business 465 00:36:42.119 --> 00:36:46.719 with called Jeff Maythaller. Jeff Maythaller is not the owner of that LS. 466 00:36:47.960 --> 00:36:54.360 Jeff Maythaller is not the owner. Okay, I'm looking at the documents. 467 00:36:54.360 --> 00:37:00.639 Okay. Is it a coincidence that the guy who registered this LLC is named 468 00:37:00.920 --> 00:37:07.920 Terrence Doyle and therefore TDAC LLC could be Terrence Doyle too? Is that possible, 469 00:37:07.960 --> 00:37:15.480 sir? Yeah, that's your friend of his. So here's here's what 470 00:37:15.599 --> 00:37:19.800 law. Here's what here's what corporate law says. And I'm not giving you 471 00:37:19.880 --> 00:37:23.440 legal advice, but if I know this from owning tons of LLCs that did 472 00:37:23.480 --> 00:37:29.280 business, if you had outstanding obligations, you had a very specific way you 473 00:37:29.360 --> 00:37:32.480 needed to dissolve them, or you could. You could pierce the corporate veil 474 00:37:32.679 --> 00:37:37.719 and go after the individual members if they did not do it properly. Now, 475 00:37:37.840 --> 00:37:43.039 you might, like Mark said, if financially they didn't have the money 476 00:37:43.079 --> 00:37:46.519 anyway, that's one thing. But if they took profits on this and then 477 00:37:46.559 --> 00:37:51.719 dissolve the LLC, you can go after those profits. You can go after 478 00:37:51.760 --> 00:37:57.519 them right now, civilly individually for not dissolving this properly. If they did 479 00:37:57.559 --> 00:38:00.679 not dissolve it properly, I don't know they did or not. Did they 480 00:38:00.760 --> 00:38:06.639 notify you they were dissolving the LLC? You? No, they didn't, 481 00:38:07.159 --> 00:38:09.880 okay, And they didn't give a notice to creditors? Did they? Did 482 00:38:09.880 --> 00:38:15.800 they have a meeting and vote to dissolve and blah blah blah blah blah. 483 00:38:15.840 --> 00:38:19.880 There are a lot of things that you have a right to know. And 484 00:38:19.960 --> 00:38:23.880 I'm telling you that it is a really good thing that these laws are in 485 00:38:23.960 --> 00:38:30.719 place because it will help you. So I'm just thinking, I'm just thinking 486 00:38:31.280 --> 00:38:37.840 that you need to maybe see an attorney about it. But you got to 487 00:38:37.880 --> 00:38:45.119 figure the cost when it comes to all of the all of the you know 488 00:38:45.159 --> 00:38:49.880 what you're owed, Okay, what you're owed compared to what it costs. 489 00:38:50.360 --> 00:38:54.559 Now, in these articles of dissolution, it does nothing. It does not 490 00:38:54.719 --> 00:39:04.880 list any obligations whatsoever. I personally think that you probably can pierce this corporate 491 00:39:04.960 --> 00:39:07.400 veil with an attorney and go after them. But will you get anything? 492 00:39:07.599 --> 00:39:13.559 Is the answer? Did they distribute profits if they say they didn't make enough 493 00:39:13.559 --> 00:39:19.159 money? Is he claiming basically that you got every dime because they were supposed 494 00:39:19.199 --> 00:39:23.880 to pay that obligation. First, No, he knows he owes me because 495 00:39:23.920 --> 00:39:30.559 he's paid me out of other LC's and he's paid me out of he's written 496 00:39:30.599 --> 00:39:34.000 me checks out. Well, I would have an attorney write a letter. 497 00:39:34.079 --> 00:39:37.079 Dude, do we get our attorney on yet? Brad O'Brien's on. He 498 00:39:37.119 --> 00:39:39.360 looked at it. But in any case, Brad O'Brien is a real estate 499 00:39:39.400 --> 00:39:46.559 expert and O'Brien legal services. Brad, that promisory note is just a regular 500 00:39:46.599 --> 00:39:52.440 promissory note, isn't it. It's not secured. Well, actually it does 501 00:39:52.519 --> 00:39:55.360 reference a deed of trust executed around the same time against that property. So 502 00:39:55.599 --> 00:39:59.440 that does it say it's secured by that deed of trust? I didn't notice 503 00:39:59.480 --> 00:40:02.840 that. Well at the bottom it says that this that it's it is secured 504 00:40:02.840 --> 00:40:06.920 by adida trust. Oh really, I didn't see that. That's great, 505 00:40:07.000 --> 00:40:08.760 actually, yeah, but that doesn't mean they actually did the data trust. 506 00:40:09.280 --> 00:40:15.880 Oh oh oh oh. Well, what if it says it's secured by a 507 00:40:15.920 --> 00:40:17.639 deed of trust and there is no deed of trust? What happens then, 508 00:40:19.400 --> 00:40:23.079 Well, then there's no deed of trust? What's not secure? Okay, 509 00:40:23.320 --> 00:40:30.320 Okay, that's weird. So at the bottom it does say that it's secured 510 00:40:30.360 --> 00:40:37.559 by a deed of trust, this indebtedness evidenced by the note secure. You're 511 00:40:37.679 --> 00:40:42.760 right, it's secure. Well couldn't you call that fraudulent by saying it was 512 00:40:43.039 --> 00:40:45.320 secure, by giving him a false sense of security because it went on to 513 00:40:45.320 --> 00:40:52.119 give a legal even the legal of that deed of trust. How would he 514 00:40:52.199 --> 00:40:53.880 sell it? How would he sell it? If there was a deed of 515 00:40:53.880 --> 00:40:58.360 trust on it? Wouldn't he have to get wouldn't he have to get this 516 00:40:58.440 --> 00:41:00.840 guy to sign off? The first step is to find out is there a 517 00:41:00.840 --> 00:41:04.480 deed of trust? And was it recorded? And that's a title search. 518 00:41:05.119 --> 00:41:07.880 If there was one out there that's recorded, that's great. That means he's 519 00:41:07.320 --> 00:41:12.800 secured against the real property. What if the guy went and sold it without 520 00:41:12.800 --> 00:41:16.920 clearing this deed of trust or he fraudulently signed a release of deed of trust, 521 00:41:19.800 --> 00:41:24.360 oh forged, forged your caller signature? Yeah, well then that could 522 00:41:24.360 --> 00:41:30.639 be invalidated through because it's fraudulent. Listen, you know this is one time 523 00:41:30.760 --> 00:41:35.679 I really believe you should pay for a consultation with brad O Bryan. Honest 524 00:41:35.679 --> 00:41:40.119 to god, he can in about an hour or so tell you how they 525 00:41:40.199 --> 00:41:44.480 sold this with a deed of trust on it, and if this deed of 526 00:41:44.480 --> 00:41:51.000 trust was not ever recorded even though it said legally described property and a deed 527 00:41:51.039 --> 00:41:55.480 of trust. So if he signed a promisory note and it was claimed to 528 00:41:55.480 --> 00:42:00.760 have a deed of trust and the deed of trust was never done, what 529 00:42:00.880 --> 00:42:07.559 do he have grounds to call this fraudulent and pierce that LLC veil. I 530 00:42:07.599 --> 00:42:10.960 don't want to say yes or no, but I think it's unlikely because it's 531 00:42:12.000 --> 00:42:15.719 really it's really the lender's progative to confirm at the time of receiving the note 532 00:42:15.840 --> 00:42:20.280 a note that the data trusture mortgage was done at the very same time, 533 00:42:21.760 --> 00:42:25.480 so he could say it's not my fault of the guy didn't check. No, 534 00:42:25.599 --> 00:42:30.119 that the lender should should confirm at the time of handing over the money, 535 00:42:30.119 --> 00:42:32.000 which was actually a couple of weeks after this. That's why people paid 536 00:42:32.039 --> 00:42:37.320 title companies. Yeah, so if the lender, if I loan someone money 537 00:42:38.719 --> 00:42:45.840 and they represent to me that a deed of trust has been issued or recorded, 538 00:42:45.639 --> 00:42:52.400 it's my obligation to make sure it's true. Sure he's the lender because 539 00:42:52.519 --> 00:42:55.199 it has to be delivered to you. If not delivered to you then then 540 00:42:55.239 --> 00:43:01.000 it wasn't then it's not effective. So you can't claim fraud because you defrauded 541 00:43:01.000 --> 00:43:05.320 yourself by not checking. Well, you can claim fraud. I don't think 542 00:43:05.320 --> 00:43:09.960 it's a very strong case for fraud. Okay. And as far as okay, 543 00:43:10.239 --> 00:43:19.599 and this promisory note is against the TDAC LLC which was dissolved, ask 544 00:43:19.679 --> 00:43:23.559 him about the dissolution. Yeah, ok if they did. According to I'm 545 00:43:23.599 --> 00:43:28.639 just reading LLC law, they say, if it's not dissolved properly with obligations 546 00:43:28.679 --> 00:43:34.679 outstanding, you can go against the individual partners or I agree with that, 547 00:43:34.719 --> 00:43:37.360 and you can file on articles of dissolution with the Secretary of State. That 548 00:43:37.360 --> 00:43:43.679 doesn't mean you're dissolved to properly. You have to do a winding up of 549 00:43:43.719 --> 00:43:45.800 the assets and debts. And if you wind up the assets but not the 550 00:43:45.840 --> 00:43:53.559 debts, you're not wound up. Okay, all right, then I think 551 00:43:54.159 --> 00:43:58.360 I think this guy ought to pursue it. I mean, how much money 552 00:43:58.360 --> 00:44:01.920 are you owed right now? It's said twelve percent per adam, but how 553 00:44:02.000 --> 00:44:05.519 much you figure your oad? Right now, well, hold on, go 554 00:44:05.639 --> 00:44:07.559 back, Brat. I still have a question on the dissolution if it's not 555 00:44:07.639 --> 00:44:10.719 done properly. Let's say, like you said, big deal, you go 556 00:44:10.760 --> 00:44:15.400 to Colorado SOS and you say it's dissolved. You didn't actually dissolve it. 557 00:44:15.559 --> 00:44:20.639 So where does it stand there? If someone simply goes to Colorado SOS and 558 00:44:20.719 --> 00:44:24.400 says there LLC is dissolved and they do owe money, but the corporation doesn't 559 00:44:24.400 --> 00:44:29.519 have any money. Does that pierce the corporate veil and they can go after 560 00:44:29.559 --> 00:44:32.800 the members? Well, piercing of the corporate veil is an argument you make 561 00:44:32.840 --> 00:44:38.559 in a court case to go past the LLC to its owners and members, 562 00:44:40.280 --> 00:44:44.679 and you would use the lawmark that allows you to do that as part of 563 00:44:44.719 --> 00:44:50.280 your evidence. Yeah. I heard you say that they were paying making repayments 564 00:44:50.360 --> 00:44:53.639 from various LLCs. That means they mingling money between LLCs. That's a good 565 00:44:53.760 --> 00:45:00.760 argument normally for piercing the corporate vale of limited liability. Yeah, I think 566 00:45:00.800 --> 00:45:05.679 this guy is playing fast and this other guy's paying fast and loose. Here. 567 00:45:07.639 --> 00:45:10.280 Hey, does this guy, this owner here, this Terrence Doyle or 568 00:45:10.360 --> 00:45:15.840 whoever it is, does he actually do stuff with inmates? Coming out of 569 00:45:15.880 --> 00:45:22.199 prison or am I looking at a different guy. Well, it's a straight 570 00:45:22.320 --> 00:45:25.639 question. Okay. If you don't know, you don't know. That's cool. 571 00:45:27.239 --> 00:45:30.119 So Brad, thank you very much. By the way, olslaw dot 572 00:45:30.159 --> 00:45:35.599 Com seven two zero three seven zero seventy three eighty eight. Certainly we love 573 00:45:35.679 --> 00:45:39.800 getting his perspective on this. As a real estate attorney, Mario, I 574 00:45:39.880 --> 00:45:45.039 would consult an attorney at this point. You may want to consult a collection 575 00:45:45.159 --> 00:45:47.880 attorney, but you're gonna have to pay now. You may find an attorney 576 00:45:47.880 --> 00:45:55.039 for the outstanding balance. My rough figures seventy two. He's only he only 577 00:45:55.039 --> 00:46:00.480 owes you a lot, what twenty five grand? Yeah? Roughly. Well 578 00:46:00.559 --> 00:46:07.119 I got another promisory note on the nineteenth for the other half of the money 579 00:46:07.119 --> 00:46:13.280 that he owed me. Okay, but no matter what, there's a finite 580 00:46:13.360 --> 00:46:15.559 number he owes you, and you have to figure out if it's worth going 581 00:46:15.599 --> 00:46:22.360 after him or not. Yeah, and here's another thing you could do five 582 00:46:22.440 --> 00:46:30.039 years, Mario, what went on for five years this debt? Oh my 583 00:46:30.079 --> 00:46:34.360 god, I forgot to ask that. Wait a minute, Well, you're 584 00:46:34.360 --> 00:46:38.519 going to lose your right to get a judgment in a year. I think 585 00:46:38.559 --> 00:46:44.400 it's six years. Look at you better consult an attorney on this, okay, 586 00:46:44.440 --> 00:46:46.039 to get all of your rights in a row. The other thing I 587 00:46:46.079 --> 00:46:52.400 want to mention if you can find other victims, so called victims, for 588 00:46:52.519 --> 00:46:58.079 people that were not paid with similar scenarios, then you might be able to 589 00:46:58.119 --> 00:47:01.159 go to the attorney general or district to turn Ernie and show a pattern like 590 00:47:01.239 --> 00:47:05.840 this. But you'd have to have a number of victims. I don't know 591 00:47:05.920 --> 00:47:08.639 if he'd get out of court. Well, let's say he's successful in court, 592 00:47:08.679 --> 00:47:14.199 and let's say he does get a judgment, and let's say they even 593 00:47:14.239 --> 00:47:16.719 the owners have money to pay him that judgment. I still think it's going 594 00:47:16.800 --> 00:47:21.239 to cost him over twenty five grand to get there. You know, I 595 00:47:21.599 --> 00:47:25.079 haven't said feeling it could be if they fight it. Yeah, it could, 596 00:47:25.840 --> 00:47:30.920 it could, And Mario, there's nothing we can do about it. 597 00:47:30.960 --> 00:47:32.880 I mean, this is an old debt. You sat on it, you 598 00:47:32.960 --> 00:47:37.840 lost money, you know, Thank goodness, you didn't lose more. Actually, 599 00:47:38.039 --> 00:47:43.920 you want to be honest about this, Thank goodness. I just want 600 00:47:43.960 --> 00:47:46.280 it to be known so nobody else. Well, is he still making payments 601 00:47:46.320 --> 00:47:50.400 to you now? Out of curiosity? I mean, like when he sells 602 00:47:50.440 --> 00:47:52.880 another project. You said, he's writing your checks out of another LLC. 603 00:47:53.159 --> 00:47:57.599 Are you expecting any Yeah? When was the last what was the last payment 604 00:47:57.639 --> 00:48:05.000 you got over a year ago? Yeah, I've tried to contact him. 605 00:48:05.360 --> 00:48:08.360 He blocked my number. He doesn't mess So you're you're gonna have to see 606 00:48:08.360 --> 00:48:12.920 an attorney. I don't know if an attorney can help you. As Mark 607 00:48:13.000 --> 00:48:15.639 said, it might cost more than it's worth to pursue, you know what. 608 00:48:15.719 --> 00:48:20.000 For the hell of it, Let's have Kelly try to reach out. 609 00:48:20.039 --> 00:48:22.840 If he blacked this guy, that means he's got a phone number. Let's 610 00:48:22.920 --> 00:48:25.480 reach out and see if we can't get this guy to come on and defend 611 00:48:25.480 --> 00:48:34.199 his actions. Maytholer, Jeff Maytholer, and then the other guy to whoever 612 00:48:34.239 --> 00:48:37.599 the hell he was as part of that LLC. Let's do it. Three 613 00:48:37.599 --> 00:48:46.239 oh three seven one three eight, two five five. Go with a sure 614 00:48:46.360 --> 00:48:51.880 thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until 615 00:48:51.880 --> 00:48:58.440 you're content. Time for an insurance check up free, no obligation. In 616 00:48:58.480 --> 00:49:02.800 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 617 00:49:02.880 --> 00:49:07.320 find out now three all three seven seven to one help. You'll think you're 618 00:49:07.360 --> 00:49:10.239 his only customer when you choose Frank durand the real estate Man dot com to 619 00:49:10.320 --> 00:49:15.840 list your home with Remax Alliance. Three oh three nine two zero sixteen twenty 620 00:49:15.880 --> 00:49:24.360 two. Hi Tom Martine here three O three seven one three talk seven one 621 00:49:24.400 --> 00:49:32.559 three eight two five five. Now, uh, we have Brian Burns with 622 00:49:32.679 --> 00:49:37.159 us and he wanted to talk about this dex page. They do insurance checkups 623 00:49:37.159 --> 00:49:40.440 all the time, and especially when they're here, so we can give examples 624 00:49:40.440 --> 00:49:44.159 on the air and what I mean by an insurance checkup. You call, 625 00:49:44.559 --> 00:49:46.920 they'll ask you questions. They want to look at your reference page, your 626 00:49:47.039 --> 00:49:52.239 dex page, which is a really snapshot of your coverage is it's called the 627 00:49:52.320 --> 00:49:55.000 declarations page, and then they give you a quote if they can help you 628 00:49:55.079 --> 00:50:00.480 with better coverage, cheaper whatever. They can't help you. That's so you 629 00:50:00.519 --> 00:50:02.599 have nothing to lose and you get that done at three h three nine nine 630 00:50:02.639 --> 00:50:06.880 six nine thousand, nine nine six nine thousand. By the way, is 631 00:50:06.960 --> 00:50:09.480 the Insurance Help Center dot com still working? Yep? Yep, the Insurance 632 00:50:09.480 --> 00:50:14.239 Help Center dot com. Okay, so listen, Brian. One one person 633 00:50:14.320 --> 00:50:17.280 sent you a deck page and you really thought, wow, I should call 634 00:50:17.320 --> 00:50:20.840 this out go ahead. Well, yeah, I was just kind of looking 635 00:50:20.880 --> 00:50:22.760 through some of the ones that have come in, and this particular person is 636 00:50:23.199 --> 00:50:28.719 with a carrier called Hippo Insurance, which is kind of a smaller tech kind 637 00:50:28.760 --> 00:50:32.119 of company. But anyways, this is why we like having the declaration page 638 00:50:32.119 --> 00:50:36.719 sent in because he thought he had a one thousand deductible, which he does 639 00:50:36.840 --> 00:50:39.679 for an all parel, but he has a five percent wind or hail deductible, 640 00:50:40.039 --> 00:50:45.320 which equates to twenty nine thousand, seven hundred and fifty dollars for wind 641 00:50:45.320 --> 00:50:50.280 and hail claims. So he is basically self insuring his roof for the most 642 00:50:50.320 --> 00:50:52.960 party. Yeah, he always of it. Yeah, so how many how 643 00:50:53.000 --> 00:50:58.920 many insurance companies are now doing that? Five percent is very rare, usually 644 00:50:59.079 --> 00:51:01.360 on commercial and you see that, but on personal insurance, which is what 645 00:51:01.440 --> 00:51:07.039 this is, usually you'll see one percent is the more common one. And 646 00:51:07.079 --> 00:51:09.000 what would that turn out to be, Well, one percent would be almost 647 00:51:09.039 --> 00:51:14.760 six thousand dollars that that would be commonplace. You see that all the time 648 00:51:14.840 --> 00:51:20.679 now, but five percent is definitely on the higher end. Do you think 649 00:51:20.679 --> 00:51:24.360 they'll ever come a time when they exclude roofs yeah, I think there'll be 650 00:51:24.400 --> 00:51:30.199 an option to I always think you can probably find somewhere where you can buy 651 00:51:30.239 --> 00:51:37.320 the coverage back. But roof coverage I foresee becoming really expensive because it's I've 652 00:51:37.400 --> 00:51:40.880 got a deductible on mine through you guys. Yeah. Yeah. That's the 653 00:51:40.920 --> 00:51:44.679 other way to save money, though, is you simply do a you know, 654 00:51:44.760 --> 00:51:45.920 first of all, make sure you've got a good roof, and then 655 00:51:46.079 --> 00:51:50.119 that's right, you know, if you do have a good roof, then 656 00:51:50.320 --> 00:51:53.599 set that deductible at ten grand. Yeah. Anybody that has like a concrete 657 00:51:53.639 --> 00:51:59.880 tile roof, my recommendation, go high on that deductible because you know, 658 00:51:59.880 --> 00:52:04.239 you can save that annual premium in that concrete tile. While it can it 659 00:52:04.280 --> 00:52:07.519 can be damaged. It would take an awful lot to have to replace that 660 00:52:07.679 --> 00:52:15.199 roof. So in any case, here's the here's the message. You got 661 00:52:15.239 --> 00:52:19.440 way more to look at than your premium. You have to look at the 662 00:52:19.480 --> 00:52:22.239 conditions and the terms because you can end up in big trouble. Three l 663 00:52:22.280 --> 00:52:27.960 three nine ninety six nine thousand, Keith. Six months ago, you called, 664 00:52:27.960 --> 00:52:34.039 I'm trying to find your call, and uh, you called about a 665 00:52:34.159 --> 00:52:38.000 mobility scooter? Is that right? Right about? Six months ago, I 666 00:52:38.079 --> 00:52:45.719 called in because I'd been on a trip with Southwest and they confiscated my mobility 667 00:52:45.760 --> 00:52:51.119 scooter. Why did they confiscate it? It was too big to get on 668 00:52:51.239 --> 00:52:54.480 the plane? The battery, I remember this well. First they said it 669 00:52:54.519 --> 00:52:58.760 was the battery, then they said it was made by the race because it 670 00:52:58.840 --> 00:53:02.599 was made by the Razor company. Well, in any case, no matter 671 00:53:02.639 --> 00:53:07.039 what, they they wouldn't let you fly with it, right, okay? 672 00:53:07.079 --> 00:53:12.119 So what happened then, Well, of course I want to get it back 673 00:53:12.760 --> 00:53:15.480 and they first, wait a minute, wait a minute, you when they 674 00:53:15.519 --> 00:53:20.360 took it away, did you pay to have a ship to you or what? 675 00:53:20.360 --> 00:53:22.360 What? What it was at the airport they took it away? Is 676 00:53:22.360 --> 00:53:30.079 that right right? The airport in Houston? And what did they say they 677 00:53:30.079 --> 00:53:34.880 were doing with it? Well, they called me the next day, said 678 00:53:34.920 --> 00:53:37.039 they were sorry they'd taken it and they would return it to my home. 679 00:53:37.280 --> 00:53:42.559 They wanted to verify my address, okay, And then after about a week 680 00:53:42.639 --> 00:53:49.280 they said they couldn't return it, they would ship it. And then they 681 00:53:49.320 --> 00:53:52.360 called said they couldn't ship it. They offered to buy me a new one, 682 00:53:52.840 --> 00:53:57.840 and they said they wouldn't buy me a new one. Okay, after 683 00:53:57.880 --> 00:54:01.199 about after about sixty days, they called and said, we have your scooter 684 00:54:01.360 --> 00:54:07.079 in Houston. You have three days to come pick it up or we'll dispose 685 00:54:07.159 --> 00:54:10.719 of it now. At that same time, they gave me a voucher travel 686 00:54:10.800 --> 00:54:15.639 voucher. But if I use the voucher to go to Houston to recover my 687 00:54:15.719 --> 00:54:23.639 scooter, how the hell am I supposed to get home? Well, I 688 00:54:23.679 --> 00:54:27.840 don't know. I don't know the answer to any of that. Here's why, 689 00:54:27.960 --> 00:54:30.239 here's why I called. Is it still there? Is it still there? 690 00:54:31.199 --> 00:54:38.280 No, they've disposed of it. So need I need to at least 691 00:54:38.320 --> 00:54:43.440 file a small claims action? I think So I can't even get I can't 692 00:54:43.440 --> 00:54:45.800 get an attorney to talk to me. Well, you don't need to use 693 00:54:45.880 --> 00:54:52.880 an attorney, not for small claims. Well, I'm not sure that it's 694 00:54:52.119 --> 00:54:55.800 Maybe you know, how big a case could it be? What's the value 695 00:54:55.840 --> 00:55:00.960 of the scooter that's your whole case? Five hundred dollars? There you go? 696 00:55:00.360 --> 00:55:05.599 Well, okay, small claim squirt goes up to seventy five hundred, 697 00:55:06.920 --> 00:55:12.159 it'll cost you five hundred dollars. If an attorney farts. Yeah, I 698 00:55:12.199 --> 00:55:15.800 think Southwest, So I think they'd pay this up. I remember this call. 699 00:55:16.079 --> 00:55:21.519 They they understand what happened. And what's weird Tom is when he left, 700 00:55:22.199 --> 00:55:24.159 they did fly the scooter. It's only where he got to where he 701 00:55:24.280 --> 00:55:28.119 was at. They wouldn't fly it back. So the whole thing's kind of 702 00:55:28.159 --> 00:55:32.920 crazy. It's crazy. I think he'll get wrong. Can I give him 703 00:55:34.519 --> 00:55:38.159 and I'll and I'll help him out Logistically, I think that you can sue 704 00:55:38.159 --> 00:55:44.519 them. What airline is it? Southwest? Hey? And by the way, 705 00:55:45.280 --> 00:55:50.719 I want to agree with something with you, Tom on Southwest. I 706 00:55:50.840 --> 00:55:54.480 think their boarding is horrible. We flew this last trip, we had three 707 00:55:54.480 --> 00:56:00.559 different airlines. Southwest is who we flew back from Mexico to den And it 708 00:56:00.719 --> 00:56:06.280 is the dumbest way to load a plane I've ever seen. Just real quick, 709 00:56:06.400 --> 00:56:09.360 listen to this. We paid for priority boarding, which they call, 710 00:56:09.760 --> 00:56:13.920 you know, Group A. You know what I'm talking about. Uh huh. 711 00:56:13.960 --> 00:56:16.960 So you're supposed to be one of the first x amount onto the plane. 712 00:56:17.440 --> 00:56:23.679 Well, in Cabo, you take a bus from the gate to the 713 00:56:23.719 --> 00:56:28.679 airline. You don't walk down the thing. You get me, so they 714 00:56:28.880 --> 00:56:34.400 line you up to get on the bus first. So we paid ninety dollars 715 00:56:34.440 --> 00:56:37.679 additional to get on the bus first. The problem with that is when you 716 00:56:37.719 --> 00:56:43.000 get on the bus first, you get off the bust last. The people 717 00:56:43.199 --> 00:56:49.119 in C got off the bus first at the aircraft and loaded the aircraft first. 718 00:56:49.440 --> 00:56:52.079 I paid ninety dollars to be last. Oh wait a minute, Wait 719 00:56:52.079 --> 00:56:55.320 a minute, How the hell did they didn't they know they were doing that? 720 00:56:55.440 --> 00:56:59.639 Like why when you were a why didn't you sit in the front of 721 00:56:59.639 --> 00:57:04.239 the bus. I have no idea, because they're morons. I don't know 722 00:57:04.440 --> 00:57:07.880 no what I mean. I authoritize getting on the bus, not the aircraft. 723 00:57:07.960 --> 00:57:10.960 It was so I get what you're saying. But here's what I'm asking. 724 00:57:12.199 --> 00:57:15.159 Once you got to the plane, why did they let see people off 725 00:57:15.199 --> 00:57:19.719 first? Because what you'd get off the bus and walk onto the plane. 726 00:57:19.800 --> 00:57:22.079 All the people on A that got under the bus first were in the back 727 00:57:22.119 --> 00:57:28.960 of the bush. Because they're morons. Here's your answer. But I complained 728 00:57:29.000 --> 00:57:30.679 when we got back, and they gave me a credit for the thing, 729 00:57:30.760 --> 00:57:35.119 which I'll probably never use. I'll probably just give it to you because you 730 00:57:35.159 --> 00:57:37.840 fly him. I don't think i'd fly him again. I don't like their 731 00:57:37.840 --> 00:57:42.880 whole boarding thing is ridiculous. I hate I want to I want a seat. 732 00:57:43.320 --> 00:57:47.599 I don't like this cattle call. It's terrible. And what's really terrible 733 00:57:47.599 --> 00:57:52.400 about it is the saving seats. I mean, you get one a guy, 734 00:57:52.559 --> 00:57:55.920 that's what he does, and he'll save three rows and they don't say 735 00:57:55.960 --> 00:58:00.679 a word about it. Yeah, no, it's a it's it's crazy. 736 00:58:00.719 --> 00:58:02.840 And I'm like you, I don't care if I'm going to a movie or 737 00:58:02.880 --> 00:58:07.760 on an airplane. I like to either pick out my seat at least know 738 00:58:07.800 --> 00:58:14.239 where the hell I'm sitting right exactly. And we've also tried paying for priority 739 00:58:14.280 --> 00:58:16.800 boarding, but and that's a little better, but it's still a pain in 740 00:58:16.800 --> 00:58:21.519 the ass. That's what you did and it backfired with the bus. Now, 741 00:58:21.920 --> 00:58:24.719 as far as Keith goes, let's let Mark talk to him about filing 742 00:58:24.719 --> 00:58:29.199 a small claim. He'll give him the directions on where to go and file 743 00:58:29.480 --> 00:58:32.000 where to go and get the forms and all of that. I think Southwest 744 00:58:32.039 --> 00:58:37.880 will settle with you and you'll get a mobility scooter. I'd actually sue for 745 00:58:37.960 --> 00:58:40.119 more than five hundred dollars. Are you kidding me? People would believe that 746 00:58:40.159 --> 00:58:45.360 a mobility scooter would be whatever it costs. I mean, that's what I 747 00:58:45.360 --> 00:58:50.239 would do. Okay. Three oh three seven one three eight two five five. 748 00:58:50.280 --> 00:58:54.119 Frank durandereal estate Man dot com is who you call if you want to 749 00:58:54.159 --> 00:58:59.199 know what your house will sell for and what you'll clear and what you can 750 00:58:59.239 --> 00:59:02.079 buy. He'll do a full analysis free of charge for the asking, with 751 00:59:02.159 --> 00:59:07.559 no obligation, and you can trust Frank to give you accurate information. He 752 00:59:07.639 --> 00:59:12.800 doesn't use any gimmicks. He just uses proven results and proven strategies. Three 753 00:59:12.840 --> 00:59:21.480 oh three nine two zero sixteen twenty two. Go with a sure thing Denver's 754 00:59:21.519 --> 00:59:24.840 best roofer Excel Roofing dot com. You don't pay a cent until you're content. 755 00:59:29.239 --> 00:59:32.360 Time for an insurance check up free, no obligation. Comparison call Compass 756 00:59:32.400 --> 00:59:37.119 Insurance Paying too much your coverage at dozens of insurance companies find out now three 757 00:59:37.119 --> 00:59:40.760 oh three seven to seven to one help. You'll think you're his only customer 758 00:59:40.800 --> 00:59:45.440 when you choose Frank durand the Real estate Man dot com to list your home 759 00:59:45.639 --> 00:59:53.239 with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom 760 00:59:53.280 --> 00:59:59.639 Martino, your troubleshooter three oh three seven one three talk three oh three seven 761 00:59:59.679 --> 01:00:05.320 one t eight two five five. So we're doing insurance checkups at three oh 762 01:00:05.320 --> 01:00:08.320 three nine ninety six nine thousand, which is the Insurance Health Center. And 763 01:00:08.400 --> 01:00:12.320 by the way, we're still taking your calls on any and all things at 764 01:00:12.360 --> 01:00:16.320 three oh three seven one three talk three oh three seven one three eight two 765 01:00:16.480 --> 01:00:22.679 five five. So speaking of things near and dear to your heart in pocketbook, 766 01:00:22.840 --> 01:00:25.119 Hey, Tom, you want to hear about the glass place when Yeah, 767 01:00:25.320 --> 01:00:28.519 I want, I do. Let's get some follow ups because you had 768 01:00:28.519 --> 01:00:31.559 a number of them too. So what let's talk about the follow ups? 769 01:00:31.599 --> 01:00:37.440 What do you have first? Okay, So yesterday Maren called about a refund 770 01:00:37.800 --> 01:00:45.800 from feet from Good Feet. You know what, that was great news. 771 01:00:45.840 --> 01:00:49.599 I want you to tell us the show she called. Let me explain this. 772 01:00:50.239 --> 01:00:52.400 She went to Good Feet. Now, I want to be fair about 773 01:00:52.400 --> 01:00:59.280 this. She really, she really felt that she didn't get value out of 774 01:00:59.360 --> 01:01:02.519 what she said there. Now she was willing to pay for the socks because 775 01:01:02.559 --> 01:01:05.880 she opened them. And the shoes she said, you know, they're good 776 01:01:05.880 --> 01:01:09.360 shoes, Brooks Brothers and or Brooks. I don't know if it's Brooks are 777 01:01:09.519 --> 01:01:14.000 Brooks. And then she said, you know, I don't like the inserts. 778 01:01:14.079 --> 01:01:16.440 I think they're overpriced, and I didn't get the value and I can't 779 01:01:16.599 --> 01:01:22.039 use them in my low profile shoes, and she wanted a refund for that 780 01:01:22.119 --> 01:01:28.800 part of it, and she was being she said, ignored by some of 781 01:01:28.840 --> 01:01:31.440 the local people. What happened after she called, Well, you know, 782 01:01:31.480 --> 01:01:36.400 I wasn't at the show yesterday, so I called her a last evening when 783 01:01:36.440 --> 01:01:38.480 I got done with what I was doing, and she said, you know 784 01:01:38.559 --> 01:01:43.559 what, I finally got to the person who handles refunds and they gave me 785 01:01:43.639 --> 01:01:47.880 over thirteen hundred dollars of my seventeen hundred dollars back. There was a slight 786 01:01:47.960 --> 01:01:52.239 restocking fee, but her total cost, as I said, was seventeen hundred 787 01:01:52.480 --> 01:01:58.320 and she had little over thirteen hundred back. Good job, Doc, Yeah, 788 01:01:58.360 --> 01:02:00.760 I didn't do anything. I just called her. I guarantee they had 789 01:02:00.760 --> 01:02:05.440 wind of it. Yeah, of course they did on the show for sure. 790 01:02:05.800 --> 01:02:08.639 And then darrenn, I want to give ourselves. I want to give 791 01:02:08.639 --> 01:02:14.440 ourselves a dick. Give Doc that big dinger of yours. Okay, the 792 01:02:14.519 --> 01:02:19.119 big one. And then Darren called about her son Jeffrey, having some problems 793 01:02:19.440 --> 01:02:22.559 with multiple dentists. Oh, I'm dying to hear that one. So I 794 01:02:22.599 --> 01:02:27.559 went through the whole hold on. Tom recapped at real quick. Which one 795 01:02:27.599 --> 01:02:32.760 is that, the one with the dentures? Yes, and the uh there, 796 01:02:32.800 --> 01:02:37.559 Okay, here's what happened. This guy went to the dentist Darren thirty. 797 01:02:37.679 --> 01:02:45.519 Excuse me, it was actually Darren's son, Jeffrey diagnosed with leukemi at 798 01:02:45.519 --> 01:02:46.920 two years old. He's thirty one. Now. To make a long story 799 01:02:46.920 --> 01:02:52.440 short, her what happened was, uh, he had severe dental issues, 800 01:02:52.800 --> 01:02:55.800 so from the chemo when he was a kid. Yeah, and he can't 801 01:02:55.840 --> 01:03:01.519 afford anything. So one dentist did a bunch bunch of implants free as anchors 802 01:03:01.559 --> 01:03:07.440 for the dentures. Another dentist, doctor Brandon Angus, agreed to make the 803 01:03:07.559 --> 01:03:13.679 dentures free. And Mark thought she was jumping the gun complaining about this guy, 804 01:03:13.760 --> 01:03:21.199 because here's what happened. The sun Jeffrey had to drive there several times 805 01:03:21.199 --> 01:03:25.280 for fittings, and he thought, you know what, Darren, the mom 806 01:03:25.400 --> 01:03:30.199 was frustrated. Jeffrey was frustrated, and they complained about this guy. Now, 807 01:03:30.280 --> 01:03:34.960 remember, I don't want to throw shade on doctor Angus. He's trying 808 01:03:34.960 --> 01:03:37.639 to do this free of charge. What's the latest on that. Well, 809 01:03:37.840 --> 01:03:42.000 after we went through the whole story. I said, Okay, the first 810 01:03:42.000 --> 01:03:45.480 thing you have to do is make a complaint to the dental board and let 811 01:03:45.519 --> 01:03:51.239 them see whether or not something with sun that was out of standard of care. 812 01:03:52.320 --> 01:03:55.360 So they said, well, we just sent a complaint into the dental 813 01:03:55.400 --> 01:03:59.719 board this afternoon. So I said, fine, as soon as you get 814 01:03:59.719 --> 01:04:02.760 a response from the board one way or the other, let me know and 815 01:04:02.840 --> 01:04:06.679 we'll follow up from there. Because I don't think so you didn't. You 816 01:04:06.719 --> 01:04:10.760 didn't get a hip of things signed for her to call Angus. But no, 817 01:04:10.760 --> 01:04:13.800 no, but but she already sends to the dental board. I think 818 01:04:13.840 --> 01:04:15.880 we need to let that play out of Okay, that's fine, And I 819 01:04:15.920 --> 01:04:19.920 don't think this dentist is doing anything really wrong. I mean, he did 820 01:04:20.000 --> 01:04:23.920 have him come up several times to try to fit him. Well, it 821 01:04:24.039 --> 01:04:27.400 could be that he was having complications with the fitting. Tom it was the 822 01:04:27.440 --> 01:04:30.159 second doctor they were upset about. That's what I'm saying, Doctor Angus. 823 01:04:30.199 --> 01:04:33.920 No, no, no, they saw doctor Angus first. He sent them 824 01:04:33.960 --> 01:04:39.639 for dentures. The dentires never fit, so he sent them to doctor Johnson, 825 01:04:40.159 --> 01:04:45.639 who is going to put full mouth implants into Jeffrey's mouth. Mark. 826 01:04:45.960 --> 01:04:51.199 I mean Doug listen, hold on, he was listening yesterday. I just 827 01:04:51.239 --> 01:04:58.199 hate to disagree with you, but Doc, I know that the original dentists 828 01:04:58.280 --> 01:05:02.840 already did the implants there in his mouth. The doctor he's going to see 829 01:05:02.880 --> 01:05:10.440 now is doctor Angus, who is putting on the dentures. He's having problems 830 01:05:10.800 --> 01:05:15.199 with the dentures, not with the implants. The implants are done and have 831 01:05:15.320 --> 01:05:21.039 been done for three years. I have a different story. Tom So we 832 01:05:21.159 --> 01:05:26.519 what did you get the story from from? From Jeffrey? Okay? Then 833 01:05:26.559 --> 01:05:31.039 his mom was crazy? Okay. Bottom line is, did Jeffrey say he 834 01:05:31.079 --> 01:05:35.639 doesn't have implants? That's correct. He has the studs, but not the 835 01:05:35.679 --> 01:05:40.960 implants. The studs are the implants. Well, he doesn't have the teeth 836 01:05:41.239 --> 01:05:45.719 on top of the studs. That's called the restoration the denture. That's exactly 837 01:05:45.760 --> 01:05:50.320 what I just said. He had a doctor do the implants and they were 838 01:05:50.719 --> 01:05:55.679 they work, They're bad. Tomato, Tomato, Yeah, I don't want 839 01:05:55.679 --> 01:05:58.039 to I don't want to kill our audience. We probably already did. So 840 01:05:58.159 --> 01:06:00.599 let's let's hope we can get them back. Here's the bottom line. The 841 01:06:00.760 --> 01:06:08.039 dentists making the dentures they're upset with and that is doctor Angus, and they're 842 01:06:08.119 --> 01:06:11.880 upset with him, and they shouldn't be. He's doing it free. So 843 01:06:12.000 --> 01:06:15.800 let's see what the dental board says. Three oh three seven one three talk 844 01:06:15.920 --> 01:06:25.039 seven one three eight two five five. Go with a sure thing Denver's best 845 01:06:25.119 --> 01:06:29.159 roofer Excel Roofing dot com. You don't pay a cent until you're content. 846 01:06:31.519 --> 01:06:35.079 Time for an insurance check up free, no obligation. In comparison, call 847 01:06:35.199 --> 01:06:41.159 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 848 01:06:41.199 --> 01:06:45.039 three oh three seven seven to one help. You'll think you're his only customer 849 01:06:45.079 --> 01:06:47.719 when you choose Frank durand the real estate Man dot com to list your home 850 01:06:47.920 --> 01:06:58.480 with Remax Alliance three oh three nine two zero sixteen twenty two. I'm Tom 851 01:06:58.519 --> 01:07:02.920 Martine, your troubleshooter three three seven one three talk three h three seven one 852 01:07:03.039 --> 01:07:09.599 three eight two five five Tabitha. The recall on your air bags. I 853 01:07:09.639 --> 01:07:13.719 happen to know a little bit about it, because it's not just the Dodge 854 01:07:13.840 --> 01:07:19.679 charger that the older Dodge chargers. They they are any air bags manufactured by 855 01:07:19.800 --> 01:07:27.320 Takata, who makes air bags for a lot of cars. They're having problems 856 01:07:27.360 --> 01:07:31.320 with the inflators. The inflators get old and instead of inflating, they blow 857 01:07:31.400 --> 01:07:36.400 up. Yeah, they've been having problems with that brand of airbag for fifteen 858 01:07:36.480 --> 01:07:41.880 years. So what's going on with your situation, Tabitha, Well, I'm 859 01:07:41.880 --> 01:07:45.880 sure I can get it fixed. I'm just looking for reputable dealerships, either 860 01:07:45.960 --> 01:07:48.519 in Denver or Carra Springs or plab blah, I don't care. Somewhere here 861 01:07:48.519 --> 01:07:55.800 in Colorado that will you don't be able to fix it. But in the 862 01:07:55.920 --> 01:08:00.880 letter that I received, they're also supposed to provid I had a loaner vehicle 863 01:08:01.599 --> 01:08:05.480 for one to two days and I need my vehicle for work. Obviously, 864 01:08:05.480 --> 01:08:10.559 I'm just whenever I call the dealership, wait a minute, the recall. 865 01:08:10.960 --> 01:08:17.039 The recall promises a replacement vehicle yes TEP for yes, yes, mole or 866 01:08:17.039 --> 01:08:20.960 fix it because it could take one to two days to fix it. Really, 867 01:08:21.159 --> 01:08:27.600 Okay, I didn't even know they were doing that. Don't we have 868 01:08:27.960 --> 01:08:31.399 Where are you local? Where? Where are you in Denver, Colora? 869 01:08:32.279 --> 01:08:39.359 Good, Colorado Springs Dodge? Yes? Yeah that's where you want to go? 870 01:08:40.119 --> 01:08:44.760 Yeah? I like those guys a lot. Yeah, I don't want 871 01:08:44.760 --> 01:08:46.720 to mention any names. But they didn't want to loan me a vehicle. 872 01:08:47.399 --> 01:08:49.880 You know, obviously I got to have a vehicle for Wait a minute, 873 01:08:49.880 --> 01:08:55.760 wait a minute, Colorado Springs Dodge did. But you told them that the 874 01:08:55.600 --> 01:09:00.520 and I'm going by your word. You're saying the the recall says they have 875 01:09:00.640 --> 01:09:04.600 to give you a vehicle. Yes, yes, on the paperwork it says 876 01:09:04.600 --> 01:09:10.119 that they have to give me a loaner vehicle temper early. And it wasn't 877 01:09:10.159 --> 01:09:15.039 Colora Spranks Dodge. It was Perkins and AutoNation. U. I do not 878 01:09:15.279 --> 01:09:17.560 like Perkins. No, no, no, no. They want to go 879 01:09:17.560 --> 01:09:21.880 to Colorado Springs Dodge specifically, who does she talk to there? Mark Andy's 880 01:09:21.880 --> 01:09:29.239 in service or Jim Janiselli's the GM. Talk to Jim Jennicelli or service And 881 01:09:29.439 --> 01:09:31.680 seriously, they're good people. Just call us back for him, talk to 882 01:09:31.720 --> 01:09:36.720 them. They should do it. Go with a sure thing Denver's Best Roofer, 883 01:09:36.840 --> 01:09:41.359 Excel roofing dot com. You don't pay a cent until you're content. 884 01:09:44.760 --> 01:09:49.039 Time for an insurance check up free no obligation comparison call Compass Insurance paying too 885 01:09:49.119 --> 01:09:54.399 much your coverage at dozens of insurance companies find out now three oh three seven 886 01:09:54.520 --> 01:09:58.159 seven to one help. You'll think you're his only customer when you choose Frank 887 01:09:58.239 --> 01:10:01.760 durand the real estate man dot Com to list your home with Remax Alliance three 888 01:10:01.840 --> 01:10:14.960 oh three nine two zero sixteen twenty two. Yeah, Real DFD News. 889 01:10:15.239 --> 01:10:21.720 You don't have come running just as fast as we can. Show Shooter's gonna 890 01:10:21.800 --> 01:10:30.439 help come. Six is the Troubleshooter Show. No Tom Martino, Hi Tom 891 01:10:30.439 --> 01:10:34.439 Martino here at three oh three seven one three talk seven one three eight two 892 01:10:34.520 --> 01:10:38.920 five five. How you doing today? This hour brought to you by eight 893 01:10:38.960 --> 01:10:42.960 eight eight. Heating dot Com is doing that free plumbing inspection, remember that 894 01:10:43.079 --> 01:10:49.479 free of the entire system. Also Genesis Total Exteriors. I want to remind 895 01:10:49.520 --> 01:10:56.359 you that they are doing the latest and greatest products, including that that roof 896 01:10:56.479 --> 01:11:00.720 that actually is good for the environment. It turns pollute is into harmless nitrogen 897 01:11:01.239 --> 01:11:05.800 gases which are leached into the soil with rain, and they also help clean 898 01:11:05.880 --> 01:11:12.520 up the air infiltrating into your home. It's an unbelievable product. Genesis Total 899 01:11:12.560 --> 01:11:17.920 Exteriors for all your storm damage Genesis Tootalexteriors dot Com. Ira, he wants 900 01:11:17.960 --> 01:11:25.319 to talk about a neighbor's blog. HM, let's talk about that. Plus, 901 01:11:25.319 --> 01:11:30.319 we have Compass Insurance group in the house doing insurance checkups at three h 902 01:11:30.399 --> 01:11:34.399 three nine ninety six nine thousand IRA. What's going on? Hey, Tim, 903 01:11:34.960 --> 01:11:39.239 I am a long time listener. Thank you, sir. I appreciate 904 01:11:39.279 --> 01:11:44.359 that I gained a lot of valuable knowledge about the world on your show. 905 01:11:44.520 --> 01:11:49.520 So, so here's the deal. We have a community member who's one hundred 906 01:11:49.520 --> 01:11:55.960 and fifty percent narcissists. He's been thrown off the board twice. The community 907 01:11:56.600 --> 01:12:00.680 has voted to restrict him from being on the board for three years. He 908 01:12:00.760 --> 01:12:09.159 has some little website that mimics our HOA and he's said, now, what 909 01:12:09.279 --> 01:12:12.319 kind of a community is this? Is it a condo, town home? 910 01:12:12.600 --> 01:12:17.880 Single family homes? What single family homes is about eighty five eighty seven homes? 911 01:12:19.840 --> 01:12:27.600 Very nice community. And this guy writes emails to the boards, to 912 01:12:27.680 --> 01:12:32.199 our lawyers, to our management company that we had a management company quit us 913 01:12:32.279 --> 01:12:38.359 because of the numerous demands that he was making on them. They said they 914 01:12:38.359 --> 01:12:43.079 can't afford to keep up with us, so they quit us all because of 915 01:12:43.119 --> 01:12:48.319 this guy. Yes, and nobody wants to participate on committees and boards and 916 01:12:48.359 --> 01:12:54.920 more, because nobody wants to get in the dated and demonized by this guy. 917 01:12:56.199 --> 01:13:00.079 Come on, is he that bad? So? Hold on? What 918 01:13:00.079 --> 01:13:06.439 does he do on his website? He writes all a bunch of crapt misleads 919 01:13:08.239 --> 01:13:12.399 the community. I don't know if any hardly, maybe a few people read 920 01:13:12.399 --> 01:13:15.800 it, I don't know. But with misinformation, lies and slander on our 921 01:13:15.880 --> 01:13:19.920 board members, our community members. Okay, let me ask you something. 922 01:13:20.239 --> 01:13:27.279 Can't the guy just be ignored? That's what we're doing now. But he's 923 01:13:27.319 --> 01:13:32.000 also called the sheriff on me numerous times. Does he live right next to 924 01:13:32.079 --> 01:13:36.640 you? No? No, he lives around the corner. And he's accused 925 01:13:36.640 --> 01:13:45.000 me of stalking him. He's accused me of reading his email office computer in 926 01:13:45.119 --> 01:13:49.720 his office when I walk my dog behind the open space behind his house. 927 01:13:50.680 --> 01:13:56.920 And he's also okay, let's talk about this guy. How old is this 928 01:13:57.039 --> 01:14:04.800 guy? He's forty seven, around forty seven fifty? Is he married with 929 01:14:04.960 --> 01:14:14.399 kids? Married? Single? Married? No kids? So here's the thing. 930 01:14:15.159 --> 01:14:20.680 Is he violent? No? Okay? What is his deal? What 931 01:14:20.720 --> 01:14:23.720 do you think is he mentally ill? I mean, what do you think 932 01:14:23.800 --> 01:14:27.960 is going on? Yeah? Oh, he's he's a narcissist. I mean, 933 01:14:28.079 --> 01:14:31.039 well, I mean that's a popular term. But what do you mean? 934 01:14:32.800 --> 01:14:40.479 Well, he like he blames everybody, and he creates problems. We 935 01:14:40.560 --> 01:14:45.960 have a drainage area with a hardpan cement, and he wants us to the 936 01:14:45.000 --> 01:14:50.279 community to raise funding for when the heartpan breaks up in twenty to forty years, 937 01:14:50.439 --> 01:14:55.439 so we have money for it to be repaired. How long has he 938 01:14:55.479 --> 01:15:00.239 lived there since inception of the community about two thousand and seven them? And 939 01:15:00.399 --> 01:15:05.159 have you lived there that long term? I have also been on the board 940 01:15:05.239 --> 01:15:11.279 too. Has anyone ever tried to just talk to him? Is it possible? 941 01:15:11.960 --> 01:15:17.399 Yes? Uh, you can't. And then but what do you try 942 01:15:17.479 --> 01:15:20.399 to achieve? I mean, what's I don't even know what I'm saying? 943 01:15:20.479 --> 01:15:26.640 Is ira? What is the what harm is he doing? Well? He 944 01:15:26.720 --> 01:15:32.920 demonizes the community to demonizes But give me a specific example of demonizing the community. 945 01:15:33.680 --> 01:15:45.399 Uh, community, the just hundreds of pages. He demonizes the community 946 01:15:45.399 --> 01:15:53.960 by telling the community that the board is maliciously produciary, being irresponsible and okay, 947 01:15:54.039 --> 01:15:57.840 irah, listen, listen, he's a crank pot. Okay, so 948 01:15:58.319 --> 01:16:02.600 right, but he has a right to be a crank pot, absolutely, 949 01:16:03.159 --> 01:16:06.920 But lying and misleading and slandering. Well, hold on, no, no, 950 01:16:06.920 --> 01:16:12.079 no, no, you have a right to lie and mislead as long 951 01:16:12.119 --> 01:16:17.960 as it's not commercial endeavors and as long as it doesn't do civil harm to 952 01:16:18.039 --> 01:16:24.720 someone. So are there damages created? Don't tell me people are just pissed 953 01:16:24.760 --> 01:16:30.000 off. Are there actual damage? Does he make actual accusations against people that 954 01:16:30.079 --> 01:16:35.039 are damaging? Well? Yes, give me one example, just one, 955 01:16:35.279 --> 01:16:39.880 Just give me one example. And Ira, I'm not making you the enemy 956 01:16:39.920 --> 01:16:43.039 here. I need to know. I need to have some solid stuff here. 957 01:16:44.079 --> 01:16:48.359 He wrote in his blog that I personally am as a as a stalker 958 01:16:48.399 --> 01:16:54.079 and I'm stalking him and his wife. Now, how did that damage you? 959 01:16:55.760 --> 01:17:00.000 Well, I'm a doctor in the community, so how did it damage 960 01:17:00.119 --> 01:17:03.279 you? Though? How did it damage you? I really can't prove any 961 01:17:03.359 --> 01:17:09.800 damage, but it's just h How did he say? How did he actually 962 01:17:09.840 --> 01:17:14.439 say? Did he publish that on his website? Yes? Yes? And 963 01:17:14.680 --> 01:17:18.840 and do you mind? Would you mind giving us off the air so we 964 01:17:18.880 --> 01:17:24.800 don't give this guy publicity the website that we can look at. Oh, 965 01:17:24.880 --> 01:17:28.000 I'd be happy to all right, hold on, I want to do that 966 01:17:28.119 --> 01:17:31.399 before we go on. I want to see I want to see what he's 967 01:17:31.399 --> 01:17:35.439 publishing. I want to see how damaging or how crazy it is. Three 968 01:17:35.560 --> 01:17:43.159 h three go ahead. Well, I mean it's not damaging, damaging. 969 01:17:43.359 --> 01:17:47.439 I mean, you're right there. It's just very frustrating. I think I 970 01:17:47.479 --> 01:17:53.319 don't think as many people do a lot of people read the website. No, 971 01:17:53.319 --> 01:17:56.520 No, they don't. Then why do you care so much? Ira? 972 01:17:57.000 --> 01:18:02.840 He's pissing you off. That's what it is, right, that he's 973 01:18:03.439 --> 01:18:10.800 flannering my name ol soccer and I go spy on him and do I know 974 01:18:10.840 --> 01:18:15.920 it? Yeah, But but nobody's gonna believe it. True, true, 975 01:18:15.319 --> 01:18:20.159 true, So maybe I should just thank you for letting me vent. And 976 01:18:20.479 --> 01:18:24.600 well, i'd like to read. I'd like to before I send you on 977 01:18:24.640 --> 01:18:32.279 your merry way. I'd like to read the website, you know, because 978 01:18:33.199 --> 01:18:38.279 I don't know. To me, it doesn't sound like to me, it 979 01:18:38.319 --> 01:18:44.039 doesn't sound like it's going to be a major deal if everyone thinks he's a 980 01:18:44.159 --> 01:18:47.439 nut. In fact, the more nutty people are. Do you realize the 981 01:18:47.520 --> 01:18:53.680 more nutty people are, the less responsibility they have. Yes, so, 982 01:18:53.960 --> 01:18:57.279 no, I understand, I agree with you, and that's what the community 983 01:18:57.319 --> 01:19:01.199 and the board. But he's doing what he's doing is actually if if it's 984 01:19:01.319 --> 01:19:06.520 untrue, it's libel. That's that's printed. Printed. Slander is is verbal, 985 01:19:06.600 --> 01:19:13.319 so he is basically doing. But I want to see if it is 986 01:19:13.399 --> 01:19:15.800 libist. I mean he can give his if it's lible. I mean, 987 01:19:15.840 --> 01:19:21.680 he can give his opinions even if they're on space. He can't speak fact. 988 01:19:21.960 --> 01:19:25.720 So before we just hold on, I don't want you to hang up. 989 01:19:25.760 --> 01:19:29.680 I want, I really do want to see it because I'm curious what 990 01:19:29.720 --> 01:19:32.560 I would do or what I think about it. There are people like this 991 01:19:32.680 --> 01:19:34.960 in the world that you just got to get along. I mean not get 992 01:19:35.000 --> 01:19:39.439 along. You got to learn to ignore him in some cases seriously. I 993 01:19:39.479 --> 01:19:45.479 mean, I swear to God, if I counted over the years, over 994 01:19:45.560 --> 01:19:53.079 the years that the people who who did that, you know, we'd have 995 01:19:53.159 --> 01:19:58.960 a small city three oh three seven one three eight two five five. What 996 01:19:59.039 --> 01:20:00.840 I want you to do is send that to me and we'll give an opinion. 997 01:20:00.960 --> 01:20:05.319 Meanwhile, people give me a call with any problems, questions, or 998 01:20:05.359 --> 01:20:11.680 complaints. Renew home innovation, they do beautiful bathroom showers, mainly showers, 999 01:20:11.680 --> 01:20:14.840 and then they can do the whole bathroom. But they'll take out that old 1000 01:20:15.319 --> 01:20:19.880 combination shower and tub. That old, ugly noisy thing you step over, 1001 01:20:19.920 --> 01:20:24.920 they're usually metal or weak plastic. They'll get rid of that crap and put 1002 01:20:24.960 --> 01:20:29.800 in a beautiful rectangle shower, plant a pan with a stone like walls with 1003 01:20:30.000 --> 01:20:35.680 no maintenance, beautiful glass panels, no curtains or doors needed, no thresholds, 1004 01:20:36.039 --> 01:20:41.319 perimeter drains, grab bars, soap, dishes, benches, whatever you 1005 01:20:41.359 --> 01:20:43.960 want. They can get it done in two or three days. You have 1006 01:20:44.039 --> 01:20:47.960 seventy two months to pay with no interest. That's incredible. Renew Home Innovations 1007 01:20:47.960 --> 01:20:58.119 dot com three h three nine or A four to two thousand. Go with 1008 01:20:58.199 --> 01:21:01.439 a sure thing Denver's Best roof Excel Roofing dot com. You don't pay a 1009 01:21:01.439 --> 01:21:09.680 cent until you're content. Time for an insurance checkup free, no obligation. 1010 01:21:09.720 --> 01:21:14.640 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 1011 01:21:14.680 --> 01:21:17.399 companies find out now three all three seven seven to one help. You'll think 1012 01:21:17.439 --> 01:21:21.439 you're his only customer when you choose Frank durand the real estate Man dot com 1013 01:21:21.479 --> 01:21:27.159 to list your home with Remax Alliance three all three nine two zero sixteen twenty 1014 01:21:27.159 --> 01:21:35.439 two. Hi, Tom Martino, your trouble shooter three all three seven one 1015 01:21:35.560 --> 01:21:41.159 three talk three oh three seven one three eight two five five. You know, 1016 01:21:42.840 --> 01:21:46.279 Ira, I have to tell you something. You are way over reacting 1017 01:21:46.319 --> 01:21:51.239 to this man, that this website it sucks. I mean, no one 1018 01:21:51.279 --> 01:21:57.720 would ever take the time, ever, other than for entertainment purposes, to 1019 01:21:57.840 --> 01:22:01.680 take it seriously. I'm I mean, the guy does nothing but complain every 1020 01:22:01.720 --> 01:22:09.359 single day. Nobody cares. You see you care because it's you think there's 1021 01:22:09.359 --> 01:22:13.680 some stuff in there about you. I mean that happens to me every day. 1022 01:22:13.800 --> 01:22:16.199 I mean, and it happens to anyone. Hey, listen, anyone 1023 01:22:16.199 --> 01:22:20.079 who has opinions about anything, you know, especially in the media. What 1024 01:22:20.119 --> 01:22:24.880 I'm saying is got to you. Just gotta forget about it. I'm serious. 1025 01:22:25.279 --> 01:22:28.680 If you're asking if there's anything actionable here, no, I don't think 1026 01:22:28.680 --> 01:22:31.319 there is. I'm not giving you legal advice, but I don't think there's 1027 01:22:31.359 --> 01:22:38.239 a prayer's chance in hell or in Heaven that you can get this stopped at 1028 01:22:38.279 --> 01:22:43.399 all. In fact, you'll only agitate them more. Right, I agree 1029 01:22:43.399 --> 01:22:46.960 there. I think the more you ignore this guy, all of you, 1030 01:22:47.800 --> 01:22:51.960 the faster he goes away. Hey, what's the dog biting incident though, 1031 01:22:53.000 --> 01:22:59.279 I'm very what happened, Oh, our bylawses there's no pitbulls, and there's 1032 01:22:59.640 --> 01:23:05.039 a somebody had a pit bull that got loose and and I tapped the dog 1033 01:23:06.119 --> 01:23:10.520 Lucky, just a dog and not a child or somebody. And it looks 1034 01:23:10.560 --> 01:23:15.600 like d h A ended up paying out just in legal expenses five grand or 1035 01:23:15.640 --> 01:23:19.560 something. No, no, they didn't. That's his opinion. Okay, 1036 01:23:19.680 --> 01:23:26.279 no idea. I get you. So the dog is gone, you know. 1037 01:23:26.399 --> 01:23:32.600 To be honest, I think it's my disabled military PDSD kicking in a 1038 01:23:32.640 --> 01:23:36.319 little bit that gets a little agitated. But may I ask you something? 1039 01:23:38.640 --> 01:23:42.159 Does this guy? Is this a self portrait of the guy with the ponytail, 1040 01:23:42.239 --> 01:23:45.640 the long gray hair and beard? Yep, yeah, no beard. 1041 01:23:46.560 --> 01:23:54.000 Oh, he just says a ponytail. I think that's just a character of 1042 01:23:54.159 --> 01:23:59.119 him. Maybe. Okay, listen, man, I mean you got to 1043 01:23:59.159 --> 01:24:02.640 forget about this. I totally. He must have literally nothing to do. 1044 01:24:02.760 --> 01:24:09.840 But does this guy have a job? I have no idea. I have 1045 01:24:09.960 --> 01:24:15.520 no idea, but you're right, that's what the community is doing and the 1046 01:24:15.560 --> 01:24:18.399 board is doing. When they receive emails from him, they just say thank 1047 01:24:18.439 --> 01:24:23.439 you. Would receive their email and that's it. And they don't engage. 1048 01:24:23.960 --> 01:24:27.880 I mean, the guy is just totally He's on it every month too, 1049 01:24:27.880 --> 01:24:30.439 if you look at the archives, I mean every single month for the past. 1050 01:24:30.920 --> 01:24:35.760 What has he ever tried to run for office? He's been on the 1051 01:24:35.760 --> 01:24:42.000 board and he claims he's on the board now because he said he claimed he 1052 01:24:42.119 --> 01:24:48.399 self nominated himself at one of our meetings and nobody addressed it. This guy 1053 01:24:48.600 --> 01:24:54.199 just wants to get under your skin. Man. Yeah, I know, 1054 01:24:54.520 --> 01:24:57.479 I know, all right, but it was nice to talk to you. 1055 01:24:57.600 --> 01:25:00.239 And I feel better now getting it off my chest. Well, you know 1056 01:25:00.279 --> 01:25:03.600 what, you can feel better knowing that I have no dog in this fight. 1057 01:25:03.760 --> 01:25:06.279 And have I read that and thought, you know what, I know 1058 01:25:06.319 --> 01:25:11.560 why IRA's upset because this guy is poking the bear and telling the truth, 1059 01:25:11.760 --> 01:25:15.840 but he's not. As soon as I go to that website, I think 1060 01:25:15.000 --> 01:25:23.279 not right, right, And you know, and I've lost some community relationships 1061 01:25:23.319 --> 01:25:26.800 along the way, and I look at it that if this is what you 1062 01:25:26.840 --> 01:25:31.279 want to believe, and you're probably not really a friend, So no problem, 1063 01:25:31.680 --> 01:25:39.279 Hey, Ara, this this where is in general? Where's this community 1064 01:25:39.399 --> 01:25:48.199 located? In general? Up north? How far up north? By Laporte. 1065 01:25:49.840 --> 01:25:58.359 Okay, well, good luck to you many. I will never visit 1066 01:25:58.439 --> 01:26:02.800 this site again. Well, if you want a good laugh, you can 1067 01:26:02.840 --> 01:26:06.760 always. I mean, I think what Mark said is accurate. The guy 1068 01:26:06.800 --> 01:26:13.159 has no life, none, zero, right right, right, all right, 1069 01:26:13.239 --> 01:26:15.840 well you have a great appreciate it, Thank you, man, I 1070 01:26:15.880 --> 01:26:20.520 appreciate you listening. Three oh three seven one down talk seven three. You 1071 01:26:20.560 --> 01:26:25.279 know what he could do. He could get I don't want to use the 1072 01:26:25.319 --> 01:26:29.079 guy's name, but he could get his first and last name dot com. 1073 01:26:29.479 --> 01:26:31.279 Is it? Is it available? I'm pretty sure it would be. I 1074 01:26:31.279 --> 01:26:36.159 haven't looked. And then he could have his own website with this guy's name 1075 01:26:36.279 --> 01:26:40.199 and then put up anything he wants. He could put up a picture of 1076 01:26:40.239 --> 01:26:44.479 a goat. It doesn't matter what he puts up. There's nothing anybody could 1077 01:26:44.479 --> 01:26:46.880 do about it. But you know that might get under the other guy's skin. 1078 01:26:48.640 --> 01:26:54.920 Spoken like a real shut up. All right, nevermind, parkerwater sucks 1079 01:26:54.960 --> 01:26:59.000 dot com? Is it still yours? No? I gave that up years 1080 01:26:59.000 --> 01:27:02.960 ago. Wait, didn't you get J Marvin one time just to get under 1081 01:27:03.000 --> 01:27:05.239 his skin? Oh? God? Did? I? And I got under 1082 01:27:05.239 --> 01:27:09.439 his skin like you wouldn't fullyeve he was a talk show host at one time. 1083 01:27:09.479 --> 01:27:14.720 And he was really I thought he was h marryingly funny and talented and 1084 01:27:15.239 --> 01:27:18.079 wild. He was crazy. He was, man, did you take Jmarvin 1085 01:27:18.119 --> 01:27:20.960 dot com? YEP? I owned it. I wouldn't give it to him, 1086 01:27:21.359 --> 01:27:27.319 and he was pissed. It was really pissed. Shannon probably remembers that 1087 01:27:27.399 --> 01:27:31.600 Shannon was his board out forever in the day, but that Parker Water years 1088 01:27:31.640 --> 01:27:35.520 ago. They probably still do it. If you water your lawn on a 1089 01:27:35.560 --> 01:27:40.399 certain day or not on a certain day, you get in trouble. So 1090 01:27:40.479 --> 01:27:45.039 they find me, The damn water district find me. So I bought Parkerwater 1091 01:27:45.159 --> 01:27:48.079 sucks dot com and I had all the board members and their home addresses. 1092 01:27:48.279 --> 01:27:51.880 I was outing people. What do they call that? What did they call 1093 01:27:51.920 --> 01:27:57.119 that? When you I was doxing people, you know, in the late 1094 01:27:57.279 --> 01:28:01.520 nineties. Same. Aren't you proud of all that? I am? You 1095 01:28:01.560 --> 01:28:04.600 know what? All those fines got taken care of, They were gone. 1096 01:28:04.680 --> 01:28:13.279 Brother. Anyway, let's talk about this. What is the uh what are 1097 01:28:13.319 --> 01:28:16.640 the comparisons we're getting today? Right after this? I want to know because 1098 01:28:16.680 --> 01:28:21.760 we're doing an insurance checkup, and I always love hearing about how people are 1099 01:28:21.800 --> 01:28:28.399 paying and what they're paying for and how Compass Insurance Group made the difference with 1100 01:28:28.479 --> 01:28:39.439 the insurance checkup. After this, go with a sure thing Denver's Best roofer 1101 01:28:39.560 --> 01:28:45.720 Excel Roofing dot com. You don't pay a cent until you're content. Time 1102 01:28:45.760 --> 01:28:51.039 for an insurance checkup free, no obligation comparison call Compass Insurance paying too much 1103 01:28:51.159 --> 01:28:56.159 your coverage at dozens of insurance companies find out now three O three seven to 1104 01:28:56.239 --> 01:28:59.880 seven to one help. You'll think you're his only customer when you choose Frank 1105 01:29:00.079 --> 01:29:03.479 Ran the real estate Man dot com to list your home with Remax Alliance three 1106 01:29:03.560 --> 01:29:13.800 all three nine two zero sixteen twenty two. Hi Tom Martino, you're a 1107 01:29:13.800 --> 01:29:19.560 troubleshooter three oh three seven one three talk three oh three seven one three eight 1108 01:29:19.600 --> 01:29:26.560 two five five. Welcome to the show. Here to help you anyway we 1109 01:29:26.640 --> 01:29:30.520 can. Brian, we were doing the insurance checkup and I and also I 1110 01:29:30.600 --> 01:29:33.720 didn't forget we were going to go through h O terms. First, let's 1111 01:29:33.720 --> 01:29:39.159 get a couple comparisons. People called in with their decks page and what did 1112 01:29:39.199 --> 01:29:42.119 you find and what were you able to do well? I just have had 1113 01:29:42.159 --> 01:29:46.319 a few sent over to me from the agents. And here's one of them 1114 01:29:46.760 --> 01:29:53.600 that the customer with with Farmers paying forty five hundred on the auto, forty 1115 01:29:53.640 --> 01:29:56.600 three seventy five on the home. But when he actually looked at the deck 1116 01:29:56.640 --> 01:30:00.960 page, the home was under insured by two one hundred thousand dollars. Oh 1117 01:30:01.000 --> 01:30:06.359 my so. And also they're paying nine thousand a year on this Yeah, 1118 01:30:06.399 --> 01:30:10.920 for the auto and home, they're paying eighty eight seventy five exactly almost nine 1119 01:30:10.920 --> 01:30:17.520 thousand dollars. He has shopped them and found a quote with Safe co where 1120 01:30:17.560 --> 01:30:23.880 he increased the dwelling by two hundred thousand dollars, and between the auto and 1121 01:30:23.920 --> 01:30:28.880 homes saved them one seven and forty four a year. Can you believe that 1122 01:30:29.000 --> 01:30:32.319 not only did you save that much money, but you gave them better coverage. 1123 01:30:32.439 --> 01:30:38.079 Now it to be completely transparent. Their new home premium is higher than 1124 01:30:38.119 --> 01:30:41.199 what they were paying before, but the auto was saving that much, so 1125 01:30:41.319 --> 01:30:46.640 between the two saved money. And besides, the previous premium on their home 1126 01:30:46.800 --> 01:30:49.960 wasn't accurate, No, it was under insured. If you had a loss, 1127 01:30:50.119 --> 01:30:53.479 they would not be able to rebuild the house. They would be out 1128 01:30:53.479 --> 01:30:58.000 of luck. Which is we find that all the time people are under insured 1129 01:30:58.000 --> 01:31:00.520 on their home. The one I just learned to mention to you. We've 1130 01:31:00.560 --> 01:31:06.640 had three so far today State Farm customers that are being non renewed. Two 1131 01:31:06.760 --> 01:31:11.319 of them because of claims they each had to claim this past year, so 1132 01:31:11.560 --> 01:31:15.159 State Farm's non renewing them. And the other one is because of the fire 1133 01:31:15.279 --> 01:31:19.159 risk. They're in Evergreen and they are non renewing them. And all three 1134 01:31:19.199 --> 01:31:23.680 of them are listeners of yours and are really frustrated because they've been all been 1135 01:31:23.760 --> 01:31:27.479 with State Farmed twenty flus years. I think it's a blessing they're not renewed 1136 01:31:27.479 --> 01:31:29.960 by State Farm. Yeah, but you know, people just have in their 1137 01:31:30.000 --> 01:31:31.439 mind. I've been there twenty years. They're going to keep me forever. 1138 01:31:31.680 --> 01:31:35.439 In fact, I'm more that you haven't. Thus you're rewarded. Kevin, 1139 01:31:35.880 --> 01:31:42.159 your turn. What's going on, Kevin? Yes, sir, I need 1140 01:31:42.159 --> 01:31:46.560 some advice. I need you to recommend somebody off your referral list for me 1141 01:31:46.640 --> 01:31:51.039 that can do some carpentry work. I've got a front door that's got a 1142 01:31:51.199 --> 01:31:59.840 problem. I live in a condo and my situation is I'm almost completely blind. 1143 01:32:00.079 --> 01:32:02.159 For me to go on the internet and look on your referral list, 1144 01:32:02.279 --> 01:32:06.199 is just about impossible, so I'm hoping. Okay, so you really just 1145 01:32:06.239 --> 01:32:10.079 need a handyman. You just need to adjust your front door. Is that 1146 01:32:10.159 --> 01:32:15.760 it? Well? Yeah, the the front door starting to drag and the 1147 01:32:15.880 --> 01:32:21.119 condo unit I live and I live on the ground floor, and apparently the 1148 01:32:21.159 --> 01:32:28.680 foundation for this building is kind of moving and so it's causing problems with the 1149 01:32:28.680 --> 01:32:32.920 doorframe and the door. So I need somebody that knows about front door. 1150 01:32:33.119 --> 01:32:39.119 What area are you in? Oh? I live in the western part of 1151 01:32:39.199 --> 01:32:44.600 Centennial used to be Littleson. Okay, So other than your front door, 1152 01:32:44.640 --> 01:32:50.600 what else? Oh, that's really the only the only thing Handy Hub that's 1153 01:32:50.680 --> 01:32:56.800 easy. Handyman Hub can handle that. They're good people. Do you want 1154 01:32:56.840 --> 01:32:59.479 to just do you? Do you want to take down the number right this 1155 01:32:59.640 --> 01:33:01.720 minute? Oh? Sure, yeah, I've got a pencil right here. 1156 01:33:01.760 --> 01:33:03.840 I'm going to write it down as soon as you give it to me. 1157 01:33:04.439 --> 01:33:08.680 Now, out of curiosity, you said you're blind. I was going to 1158 01:33:08.720 --> 01:33:12.159 ask that same question, how is that pencil helping you? I'm just curious, 1159 01:33:12.199 --> 01:33:15.920 man. Well, I have a tiny bit of eyesight left. But 1160 01:33:16.239 --> 01:33:20.239 you know, if I write with like a magic marker and something dark, 1161 01:33:20.319 --> 01:33:25.399 I can manage to see it with a magnifier. So handyman hub here it 1162 01:33:25.439 --> 01:33:32.279 is three h three mm hmm four to seven mm hmm two nine five five. 1163 01:33:33.119 --> 01:33:39.239 Okay, okay, great, let us know how that works out for 1164 01:33:39.279 --> 01:33:43.840 you. Please, Okay, thank you very much, Tom. And I 1165 01:33:43.960 --> 01:33:45.359 mean that I'm not just saying that. I may Hey, I want to 1166 01:33:45.399 --> 01:33:48.880 know every bit of it. What's that Mark? He thanked you, but 1167 01:33:48.960 --> 01:33:53.680 I'm the one that said handyman hub. Oh, thank you very much. 1168 01:33:53.800 --> 01:33:58.479 Mark, You're welcome. Yeah, his ego needs stroking because uh never one. 1169 01:33:58.520 --> 01:34:02.039 Well, I'll put you on my blog. Yeah, Mark's gonna start 1170 01:34:02.039 --> 01:34:06.560 a blog Tom Martino dot com. Except I already got that to protect myself 1171 01:34:06.800 --> 01:34:13.479 anyway. Three oh three seven one three talk. And by the way, 1172 01:34:14.479 --> 01:34:20.880 speaking of URLs, you almost have to buy URLs nowadays for a safety I 1173 01:34:20.880 --> 01:34:25.319 don't know if you did, but yes, I got my name, my 1174 01:34:25.399 --> 01:34:28.560 kids names. Hey, how about that new one I got? Wow? 1175 01:34:28.680 --> 01:34:31.159 Is that a good one that was still available? Yeah? There are still 1176 01:34:31.199 --> 01:34:35.600 some good ones available though. It's amazing. I'm trying to find a name 1177 01:34:35.720 --> 01:34:41.279 for a piece of technology I have that I'll be launching, you know, 1178 01:34:41.880 --> 01:34:45.359 that investing thing. Mark I'm going to tell you something. So I look 1179 01:34:45.920 --> 01:34:53.359 at company names, you know, AI names, company names of software names, 1180 01:34:53.399 --> 01:34:57.000 program names, app names. Okay, this is just a side note. 1181 01:34:57.000 --> 01:35:00.479 This is amazing. And I see a lot of of them are weird 1182 01:35:00.560 --> 01:35:03.439 names, right, and I think are they made up words? Many of 1183 01:35:03.479 --> 01:35:11.000 them are not. Many of them are either Latin, Greek, Sanskrit, 1184 01:35:11.640 --> 01:35:16.720 I believe in an ancient language, or some of them are combinations of those 1185 01:35:17.119 --> 01:35:27.079 and Norse folklore and all of that. And almost every single name that is 1186 01:35:27.159 --> 01:35:32.039 short and easy and easy to pronounce and rolls off the tongue, it absolutely 1187 01:35:32.439 --> 01:35:38.760 positively has been taken for something. Now, there's something called brand confusion. 1188 01:35:38.840 --> 01:35:42.600 So let's say I want to give this name something for my financial company, 1189 01:35:42.680 --> 01:35:45.760 and the other company is clean Sewers. You can do that, right, 1190 01:35:46.119 --> 01:35:49.960 you can do that. There's no brand confusion. But in most cases, 1191 01:35:50.600 --> 01:35:55.600 guess who's taken these names? Mark, guess who's taken them? All AI 1192 01:35:55.760 --> 01:36:01.000 companies, dot AI, I am There are more, do you see? 1193 01:36:01.000 --> 01:36:05.439 We just know about the big players, the Googles and the the AI, 1194 01:36:05.640 --> 01:36:11.319 the Open AI and all of those. But what we don't realize is I 1195 01:36:11.520 --> 01:36:15.319 counted, at least in my search for names A thousand Ai chat spots. 1196 01:36:15.359 --> 01:36:20.479 Do you know that A thousand, a thousand, a thousand, and there's 1197 01:36:20.560 --> 01:36:29.000 probably more, and they all have names. So I am always fascinated when 1198 01:36:29.039 --> 01:36:34.039 people can find a unique name about How about this ready, tot dollar, 1199 01:36:35.680 --> 01:36:41.000 tot dollar that means many dollars in Latin. When you said Latin, Oh, 1200 01:36:41.079 --> 01:36:43.359 I'll bet you it's taken. That's what. No, it's there, 1201 01:36:43.399 --> 01:36:45.760 I'm looking at it. Tot dollar. Yeah, but I don't like the 1202 01:36:45.800 --> 01:36:51.680 way it sounds tot dollar. But Mark, you're right on the vein that 1203 01:36:51.760 --> 01:36:56.000 I was doing, by the way, with the Latin and the and I 1204 01:36:56.039 --> 01:36:59.399 went to chat Ai, you know, a chat gpt, you know, 1205 01:37:00.239 --> 01:37:02.720 to come up with Norris names for this, or Latin names for this, 1206 01:37:03.000 --> 01:37:08.479 or a Sanskrit. Sanskrit's very interesting. A lot of companies based their names 1207 01:37:08.479 --> 01:37:12.199 on Sanskrit. I don't even know what that actually is. I've heard it, 1208 01:37:12.239 --> 01:37:14.439 of course. It's just an ancient language, that's all. I mean. 1209 01:37:14.439 --> 01:37:19.199 It's just I mean, was it was it Christianity? I don't think 1210 01:37:19.239 --> 01:37:25.159 so. Christianity was mostly Greek and it was one of the first civilizations. 1211 01:37:25.359 --> 01:37:28.479 I heard. He learned it in school. Now, yeah, well Tom 1212 01:37:28.600 --> 01:37:31.840 was back there. It was in the Fertile Triangle by Mesopotamia where they were 1213 01:37:31.840 --> 01:37:39.199 sanscrit originated. It is even pre Egyptian kaye and Egyptian is another cool language. 1214 01:37:39.680 --> 01:37:44.520 A lot of these things. Some of them take Chinese names, uh 1215 01:37:44.560 --> 01:37:47.479 and or but any existing name, like you know, if you wanted to 1216 01:37:47.640 --> 01:37:54.479 like take tsunami or you want to take something that's just cool sounding, it's 1217 01:37:54.479 --> 01:38:00.640 all used. I mean, it's amazing how much is taken it. Intellectual 1218 01:38:00.680 --> 01:38:06.319 property right now must be very difficult because now again, because if there's no 1219 01:38:06.439 --> 01:38:14.319 brand confusion, you can have different companies using stuff. For example, Blackrock 1220 01:38:14.399 --> 01:38:19.960 Financial, which is somebody that I researched a lot, they have their evaluator 1221 01:38:20.079 --> 01:38:26.840 of companies called Aladdin, and that's pretty damn cool, right, But Aladdin 1222 01:38:27.000 --> 01:38:30.039 is so common. It's a genie, right, and Aladdin is used a 1223 01:38:30.119 --> 01:38:35.640 thousand times, but for them, it's their evaluator, and that's a fascinating 1224 01:38:35.680 --> 01:38:43.159 company. Black Rock was the first one to really aggregate all of the or 1225 01:38:43.199 --> 01:38:45.920 not agree, but gather all of the companies together and give them ratings. 1226 01:38:46.319 --> 01:38:50.439 And those ratings prove to be accurate when it comes to investing. Then he 1227 01:38:50.520 --> 01:38:57.439 went one step further. This is amazing story. He went one step further 1228 01:38:57.600 --> 01:39:02.720 and then started social engineering. And what they did was when they liked companies 1229 01:39:03.119 --> 01:39:09.600 for their agenda. They have a social and political agenda that you know, 1230 01:39:09.680 --> 01:39:13.439 the ESG thing. They're a big believer of this. So if a company 1231 01:39:13.479 --> 01:39:16.720 is not big into ESG the environment and I forget what it stands for, 1232 01:39:17.119 --> 01:39:21.079 what they do is they give them a lower rating than the ones who are 1233 01:39:21.479 --> 01:39:32.439 ESG compliant, and that has severely impacted the capital they raise and investment money. 1234 01:39:33.039 --> 01:39:38.600 So by doing that, no laws had to be changed, nothing had 1235 01:39:38.640 --> 01:39:45.720 to be regulated. But companies voluntarily have been doing the ESG thing. And 1236 01:39:45.760 --> 01:39:51.760 now the same thing is happening with DEI diversion equity and inclusion. There's been 1237 01:39:51.800 --> 01:39:56.960 a lot of lawsuits. So because I mean, to the stockholders, the 1238 01:39:57.079 --> 01:40:00.239 number one thing they're supposed to do is make it money, right, Mark, 1239 01:40:00.279 --> 01:40:05.199 You're absolutely right. However, forever there's been conscientious investing. I mean, 1240 01:40:05.319 --> 01:40:11.920 I remember socially conscious funds. When I was investing with an advisor and 1241 01:40:12.039 --> 01:40:15.279 I would tell her specifically, I want none of this or none of that. 1242 01:40:15.680 --> 01:40:19.399 No excuse me, animal testing, no nothing, certain things I didn't 1243 01:40:19.399 --> 01:40:24.840 want back then, and I would not allow my money to be invested in 1244 01:40:24.840 --> 01:40:27.760 this thing. So that's just an extension of that. It's just that people 1245 01:40:27.800 --> 01:40:32.159 have gotten crazy. But here's why I often wondered, why are corporations, 1246 01:40:32.239 --> 01:40:41.439 why are they taking woke agendas and appealing to that in advertising and in employment 1247 01:40:41.520 --> 01:40:44.960 and all of that. And again, there's nothing wrong with diversity, equity 1248 01:40:45.000 --> 01:40:47.359 and inclusion. The principle is wonderful. But what I'm saying is, but 1249 01:40:47.520 --> 01:40:50.720 then they go a step further, like, for example, why are they 1250 01:40:50.800 --> 01:40:57.159 taking social and political stands? When Mark said accurately, I invest my money 1251 01:40:57.199 --> 01:41:00.760 to make money. I don't care what you think. And by the way, 1252 01:41:00.800 --> 01:41:04.479 who is you? You is a corporation? You know you are people? 1253 01:41:04.760 --> 01:41:10.239 You are stockholders. You can't possibly speak for each and every stockholder. 1254 01:41:10.520 --> 01:41:14.479 Do you speak for the board of directors? Do you are you basically saying 1255 01:41:14.600 --> 01:41:17.520 then that that's the only kind of stockholder you want. So the whole Wope 1256 01:41:17.520 --> 01:41:24.239 thing is crazy when you try to make it applicable to a corporation. But 1257 01:41:24.399 --> 01:41:29.600 the reason they're doing it is because of Aladdin, because they're going to get 1258 01:41:29.640 --> 01:41:34.479 poor ratings if they don't, so they're trying to please that master. You 1259 01:41:34.520 --> 01:41:41.279 would be shocked at the power that Blackwater has. It's an amazing the largest 1260 01:41:41.479 --> 01:41:44.960 fund in the entire world. And that's one of the reasons. So we 1261 01:41:45.039 --> 01:41:53.079 got more coming up. By the way, Ladd was go with a sure 1262 01:41:53.159 --> 01:41:57.680 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 1263 01:41:57.720 --> 01:42:05.439 you're content. Time for an insurance checkup free no obligation comparison call Compass Insurance 1264 01:42:05.600 --> 01:42:10.720 paying too much your coverage at dozens of insurance companies find out now three all 1265 01:42:10.800 --> 01:42:14.520 three seven seven to one help. You'll think you're his only customer when you 1266 01:42:14.600 --> 01:42:18.319 choose Frank durand Thereal estate man dot com to list your home with Remax Alliance 1267 01:42:18.560 --> 01:42:30.279 three all three nine two zero sixteen twenty two. Hi Tom Marsino here three 1268 01:42:30.359 --> 01:42:35.159 oh three seven one three talks seven one three eight two five five. All 1269 01:42:35.279 --> 01:42:39.239 right, So now, Brian, we have another hour to go, by 1270 01:42:39.239 --> 01:42:42.199 the way, and we're still taking and as I said, the insurance check 1271 01:42:42.279 --> 01:42:45.960 up three oh three nine niney six nine thousand. That's nine nine six nine 1272 01:42:45.960 --> 01:42:48.960 thousand and uh. Also, we're gonna take your calls on problems, questions 1273 01:42:48.960 --> 01:42:54.039 and complaints of any kind if you need consumer help. But let's talk about 1274 01:42:54.039 --> 01:42:58.920 the AH shows. Now I never knew what that meant to. But homeowner's 1275 01:42:58.960 --> 01:43:02.479 insurance go through them? What Why are they designated as h O h O 1276 01:43:02.960 --> 01:43:08.000 Obviously that's for homeowners insurance? But what number? What do the numbers mean? 1277 01:43:08.000 --> 01:43:10.439 Can we go through them? Yeah? And I don't want to bore 1278 01:43:10.479 --> 01:43:13.479 everybody, no, but it goes I think it's educational. Go ahead, 1279 01:43:13.640 --> 01:43:17.319 It goes from one to eight. Show on one is something you would never 1280 01:43:17.359 --> 01:43:20.279 run end to it. But it's a very limited type of homeowner policy. 1281 01:43:20.319 --> 01:43:25.039 It has basic perils covered. No one writes it anymore. It's it's a 1282 01:43:25.079 --> 01:43:29.039 really anniquated type. It's the most basic, got it? Yeah? Two 1283 01:43:29.279 --> 01:43:31.359 two is one step up from that. Again, nothing you're gonna see. 1284 01:43:31.439 --> 01:43:34.399 I don't know anybody that writes in h O two. The most common is 1285 01:43:34.560 --> 01:43:40.720 h O three. That's going to be your homeowner's policy where it's uh, 1286 01:43:40.760 --> 01:43:43.359 do I have an h O three? You have an h O five? 1287 01:43:43.520 --> 01:43:45.119 Okay, so let's go. Why is h O three most common? What 1288 01:43:45.239 --> 01:43:49.720 is it covered? H O three is open perils meaning that everything is covered 1289 01:43:49.760 --> 01:43:56.640 except for what's excluded for the dwelling. But the personal property is named perils. 1290 01:43:56.720 --> 01:44:00.479 It's not open perils, it's name perils. It names what is covered 1291 01:44:00.640 --> 01:44:04.560 on the homeowner policy. Four damages causing cause to the personal profit. So 1292 01:44:04.600 --> 01:44:09.039 that's h O one, that's h O three, Yeah, hey, h 1293 01:44:09.119 --> 01:44:11.840 O one two and three? So far right, Okay, we're gonna go 1294 01:44:11.840 --> 01:44:15.239 over h oh four and how far does it go up? Eight? But 1295 01:44:15.560 --> 01:44:17.319 really, the only other ones you're going to run into is four five six. 1296 01:44:17.359 --> 01:44:19.680 No, I want to know about those coming up. I'm Tom Martino 1297 01:44:19.760 --> 01:44:25.439 three oh three seven one three eight two five five. Go with a sure 1298 01:44:25.560 --> 01:44:30.079 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 1299 01:44:30.079 --> 01:44:36.279 you're contenth time for an insurance check up free, no obligation. In comparison, 1300 01:44:36.399 --> 01:44:42.319 call Compass Insurance paying too much your coverage at dozens of insurance companies find 1301 01:44:42.319 --> 01:44:45.079 out now three oh three seven seven one help. You'll think you're his only 1302 01:44:45.159 --> 01:44:49.000 customer when you choose Frank durand the real estate Man dot com to list your 1303 01:44:49.000 --> 01:45:01.239 home with Remax Alliance three oh three nine two zero sixteen twenty two dud news 1304 01:45:02.520 --> 01:45:11.479 needed by so you don't have come running as fast as we can. Shooter's 1305 01:45:11.600 --> 01:45:19.279 gonna help come. This is the Troubleshooter Show. No Tom Martino, Hi, 1306 01:45:19.439 --> 01:45:23.680 Tom Martino, Welcome to the show. Three oh three seven one three 1307 01:45:23.680 --> 01:45:27.319 talks seven one three A two five five. As we do every day, 1308 01:45:27.359 --> 01:45:30.159 we try to help people. We try to recover cash, merchandise, exchanges, 1309 01:45:30.239 --> 01:45:34.079 refunds and services. Over the years, hundreds of millions of dollars for 1310 01:45:34.159 --> 01:45:38.960 people. Kent wants to talk about ten thirty one tax free exchanges. Whatever 1311 01:45:39.000 --> 01:45:43.960 you want to talk about, give us a call. We love helping you. 1312 01:45:44.319 --> 01:45:47.399 So if you want to call, it's three oh three seven one three 1313 01:45:47.479 --> 01:45:53.079 talk. You can also call three oh three Martino three oh three six two 1314 01:45:53.199 --> 01:45:58.399 seven eight four six six. Uh, what's going on, Kent? Well, 1315 01:45:58.479 --> 01:46:01.680 I'm wondering. Is it pup to do a ten thirty one exchange without 1316 01:46:01.680 --> 01:46:05.800 a qualified intermediary? Yes? Of course. Well no, wait wait, 1317 01:46:05.840 --> 01:46:10.720 wait, wait no, you you have to have a disinterested third party. 1318 01:46:10.760 --> 01:46:15.079 I'm sorry, you have to have that. So I think I read that 1319 01:46:15.119 --> 01:46:19.640 they're not licensed and there's not any real regulation on them. How do you 1320 01:46:19.960 --> 01:46:28.159 keep from right? That's right, You're in a bad situation. Okay, 1321 01:46:30.039 --> 01:46:34.279 how do I put this, well, you don't. You know, technically, 1322 01:46:34.319 --> 01:46:40.399 what you're doing is you're letting that third party. If you want to 1323 01:46:40.439 --> 01:46:44.520 buy something that the other party is interested in trade it, you need a 1324 01:46:44.560 --> 01:46:47.640 third party to do it. The answer is how do you do it? 1325 01:46:47.640 --> 01:46:53.079 For example, let me for people listening, a ten thirty one exchange, 1326 01:46:53.119 --> 01:46:58.720 simply the delays or defers your gain into a like property so you don't have 1327 01:46:58.840 --> 01:47:03.560 to you don't have to pay tax on it. So if you simply had 1328 01:47:03.560 --> 01:47:10.000 an apartment house, yeah, if yeah, I'm sorry that the fur is 1329 01:47:10.079 --> 01:47:13.359 the game, which is the tech, which is taxed. So what you 1330 01:47:13.439 --> 01:47:16.199 do. What you do is you take the if you want to buy an 1331 01:47:16.199 --> 01:47:19.720 apartment house and you have an apartment house, you have to buy an apartment 1332 01:47:19.720 --> 01:47:25.520 house that's more expensive, and then that apartment house becomes your old basis is 1333 01:47:25.560 --> 01:47:28.640 put into that one, and that apartment house becomes that much more of a 1334 01:47:28.720 --> 01:47:31.359 basis for when you sell. But in any case, in order to do 1335 01:47:31.399 --> 01:47:35.399 that, you would have to find it without a qualified intermediary. You could 1336 01:47:35.399 --> 01:47:40.239 do it, but you would have to find someone who wants to trade you 1337 01:47:40.279 --> 01:47:44.920 straight across. So if you want, you could do that, right. 1338 01:47:45.000 --> 01:47:47.640 So, but most of the time. That's not the way it is. 1339 01:47:47.800 --> 01:47:55.840 Most of the time, you want to trade something they don't want, so 1340 01:47:56.479 --> 01:48:00.720 you have to find someone else who wants to trade that for something else that 1341 01:48:00.720 --> 01:48:05.199 that other person wants. You have to It's really juggling, and that's where 1342 01:48:05.239 --> 01:48:10.600 the intermediary comes in. And as far as I know, there is no 1343 01:48:10.720 --> 01:48:14.560 regulation. But there have been people just like anything, just like, how 1344 01:48:14.560 --> 01:48:18.119 do you find a qualified attorney? How do you find that? That's basically 1345 01:48:18.439 --> 01:48:24.159 you're asking the same question without but but attorneys are regulated. I see what 1346 01:48:24.199 --> 01:48:27.159 you're saying. They are regulated, so you know you're getting someone who's been 1347 01:48:27.199 --> 01:48:32.880 trained. I don't know the answer other than reputation, you know. Uh, 1348 01:48:33.640 --> 01:48:39.520 have you done it? Yeah? M hm, I have? And 1349 01:48:39.640 --> 01:48:43.600 did you I use somebody local or some Yeah, I use somebody. I 1350 01:48:43.720 --> 01:48:47.479 use somebody local, Yes I did. Now I've had it happen both ways. 1351 01:48:48.079 --> 01:48:54.359 I've had it happen where I used to qualified mediary whatever you call them, 1352 01:48:54.439 --> 01:48:58.920 anyway, intermediary to do an exchange for something I wanted. Then I 1353 01:48:59.000 --> 01:49:03.319 had somebody approach me and they were from Canada and they used one to buy 1354 01:49:03.359 --> 01:49:06.840 something from me. It didn't affect me at all. I got ultimately what 1355 01:49:06.920 --> 01:49:13.640 I wanted, but I had to go into that intermediary first, and then 1356 01:49:14.319 --> 01:49:20.199 that's how they're not that complicated, but they can be. What do you 1357 01:49:20.319 --> 01:49:25.319 have exactly? Let's talk about that. I have a townhouse that I want 1358 01:49:25.359 --> 01:49:32.079 to sell and buy another property on the western slope. Okay, so what 1359 01:49:32.119 --> 01:49:36.279 do you have here? What is it worth? A townhouse? Probably four 1360 01:49:36.359 --> 01:49:44.399 hundred? Is it? Is it a residence? Yes? Yours? Yes? 1361 01:49:45.239 --> 01:49:51.199 Well, you can't do that property. It's an investment property, a 1362 01:49:51.279 --> 01:49:54.840 rental and I'm going to I want to say, oh, okay, that's 1363 01:49:54.880 --> 01:49:57.720 what I wanted to know. It's a rental property, and you want to 1364 01:49:57.720 --> 01:50:02.079 trade it for another rental property on the western slope, right, and that 1365 01:50:02.279 --> 01:50:05.000 one on the western slope. Are you going to live in it or is 1366 01:50:05.000 --> 01:50:11.199 it going to be a rental property? Well, it'll certainly be a rental 1367 01:50:11.239 --> 01:50:15.079 for two years because you have to That's right, That's what I was going 1368 01:50:15.159 --> 01:50:16.960 to say. If ultimately you want to live in it, that's fine, 1369 01:50:17.000 --> 01:50:20.520 but you have to do a kuala. You have to do the ten thirty 1370 01:50:20.520 --> 01:50:28.079 one exchange like for like in the beginning. So I guess the other thing 1371 01:50:28.119 --> 01:50:31.960 I was wondering is if there's somebody, if you know of people here in 1372 01:50:32.000 --> 01:50:38.119 Colorado, Donna, I'd look online and all you get is you know people 1373 01:50:38.319 --> 01:50:43.680 in national numbers, and I don't know. I don't personally know anyone right 1374 01:50:43.720 --> 01:50:46.319 now. I used to know someone who did them for me. He was 1375 01:50:46.399 --> 01:50:49.800 really good at it. He was an attorney first and foremost I would get 1376 01:50:49.800 --> 01:50:53.880 an attorney. Let's put it that way. Okay, you know what, 1377 01:50:54.520 --> 01:50:57.880 Let's ask Brad O'Brien if he knows it or if he does them. Okay, 1378 01:50:58.960 --> 01:51:01.439 he's an attorney we use as our real estate experts, so let's call 1379 01:51:01.479 --> 01:51:06.319 and ask him about ten thirty one exchanges. And I also was wondering what 1380 01:51:06.439 --> 01:51:12.520 kind of cost should we have? How much should it cost? Well, 1381 01:51:12.560 --> 01:51:15.880 I mean that's all negotiable, but as I remember it, it wasn't that 1382 01:51:16.039 --> 01:51:20.760 expensive. I mean, they charge a fee, but it's it's like it's 1383 01:51:20.880 --> 01:51:25.399 and it's less than a real estate commission. But it is a fee based 1384 01:51:25.399 --> 01:51:30.359 on the value. Okay, it's not a flat fee. As I remember 1385 01:51:30.800 --> 01:51:38.640 again, I haven't done it in so many years, but I want someone. 1386 01:51:39.399 --> 01:51:44.760 Are there any qualified intermediaries that you came across in Denver? No, 1387 01:51:45.279 --> 01:51:50.520 you have not come across one. Well, and I haven't. I haven't 1388 01:51:50.600 --> 01:51:55.000 looked terribly hard. You're kind of easy to go to, you know. 1389 01:51:55.800 --> 01:51:58.239 No, No, no, I know that. So I'll tell you what 1390 01:51:58.800 --> 01:52:02.760 first. Let's start with our attorney and then let's find out. I believe 1391 01:52:02.840 --> 01:52:10.399 some CPAs do it as well. And if that's the case, you're protected. 1392 01:52:10.479 --> 01:52:14.840 See because while to be an intermediary, you don't have to pass a 1393 01:52:14.920 --> 01:52:17.720 test to do anything, but if they're already a qualified professional, like an 1394 01:52:17.720 --> 01:52:24.239 attorney or you know, an accountant, a CPA that is, that wouldn't 1395 01:52:24.239 --> 01:52:28.560 be a bad deal. That wouldn't be a bad deal. Now, these 1396 01:52:28.680 --> 01:52:32.640 ten thirty ones i'm finding right here. Oh no, you're right, they're 1397 01:52:32.720 --> 01:52:38.000 long distance calls. You're right, and they're not they're not really local. 1398 01:52:39.199 --> 01:52:43.560 They're not. They say they are. They call themselves a local name, 1399 01:52:43.600 --> 01:52:46.600 even like ten thirty one exchange Colorado, but when you drill down, it's 1400 01:52:46.640 --> 01:52:54.520 not Colorado. Correct. I did find one that's called Oh, entitled companies 1401 01:52:54.560 --> 01:52:59.359 sometimes do it too, you know. Oh yeah, So hold on a 1402 01:52:59.399 --> 01:53:02.319 second, I'm gonna tell you what I'm gonna do. We're gonna call Brad 1403 01:53:02.319 --> 01:53:08.600 O'Brien O'Brien Legal Services. I also want to call Atlas, CPAs and Financial 1404 01:53:08.600 --> 01:53:15.560 Advisors. They are on my accountants and are experts here on the show, 1405 01:53:15.000 --> 01:53:17.640 and let's ask them if they know of any or if they do it. 1406 01:53:18.199 --> 01:53:21.239 You know, hang on, so I've got to work cut out. Call. 1407 01:53:21.279 --> 01:53:24.960 What's that? Mark? I found a big one one oh three one 1408 01:53:25.359 --> 01:53:30.159 X dot com that's right in Denver and they've got like three hundred four star 1409 01:53:30.239 --> 01:53:33.399 reviews. Yeah, ten thirty one. I saw that ten thirty one X 1410 01:53:33.840 --> 01:53:38.399 and is it ten thirty one X dot cam They're right on Hampden Avenue, 1411 01:53:38.439 --> 01:53:42.479 And I mean, I'm they just got one five stars in a lot of 1412 01:53:42.640 --> 01:53:45.319 I wonder if we Mark, can you call them to see if you can 1413 01:53:45.359 --> 01:53:46.720 get them on the air. Yeah, I'll give them a shout right now 1414 01:53:46.800 --> 01:53:49.359 during the break. Let's do that. Let's just go right to them and 1415 01:53:49.439 --> 01:53:53.600 ask them about what they do and how they do it. Three oh three 1416 01:53:53.760 --> 01:53:58.479 seven one three talks seven one three eight two five five more. Right after 1417 01:53:58.520 --> 01:54:08.079 this, go with a sure thing Denver's best roofer Excel Roofing dot com. 1418 01:54:08.119 --> 01:54:14.880 You don't pay a cent until you're content. Time for an insurance check up 1419 01:54:14.960 --> 01:54:18.960 free no obligation in comparison, call Compass insurance paying too much your coverage at 1420 01:54:19.000 --> 01:54:23.720 dozens of insurance companies find out now three all three seven to seven to one 1421 01:54:23.800 --> 01:54:27.479 help. You'll think you're his only customer when you choose Frank durand the real 1422 01:54:27.560 --> 01:54:31.279 estate man dot Com to list your home with Remax Alliance three three nine two 1423 01:54:31.359 --> 01:54:39.960 zero sixteen twenty two. I'm Tom Martino, and we are going to get 1424 01:54:39.960 --> 01:54:43.600 someone on to talk about ten thirty ones exchange ken If all goes well, 1425 01:54:43.640 --> 01:54:45.960 so hang on, but I will just want to briefly explain this, okay, 1426 01:54:46.600 --> 01:54:50.399 And here's how they work. You find an investment property you want to 1427 01:54:50.439 --> 01:54:54.359 buy. In this case, you want to buy a single family home or 1428 01:54:54.399 --> 01:54:56.920 a town home that you want to rent out. You find that property, 1429 01:54:57.720 --> 01:55:00.239 okay, or you know, actually I'll have to find it first. You 1430 01:55:00.279 --> 01:55:04.319 want to sell yours. You sell yours. That money that you make on 1431 01:55:04.399 --> 01:55:09.279 it, you do not take possession of it. It goes to a qualified 1432 01:55:09.359 --> 01:55:15.680 intermediary. That intermediary holds that money, and then you have about forty five 1433 01:55:15.840 --> 01:55:24.479 days to identify another property. Then within forty five days, you identify that 1434 01:55:24.560 --> 01:55:32.720 property, and that replacement property is purchased by the qualified intermediary by transferring to 1435 01:55:32.800 --> 01:55:39.760 proceeds to that other property, and then the end result is you end up 1436 01:55:39.800 --> 01:55:44.960 with the property you want, but you've actually traded it. Kind of it's 1437 01:55:45.039 --> 01:55:49.439 weird, but they allow it, you know, since the net result is 1438 01:55:49.479 --> 01:55:54.439 exactly the same as just selling. If they should really let people sell it, 1439 01:55:55.640 --> 01:55:59.039 take the money, and if you buy something else within forty five days, 1440 01:55:59.119 --> 01:56:02.840 call it and there's no difference except they're making you find someone and pay 1441 01:56:02.840 --> 01:56:06.800 them money. I don't even understand why they make you go through it, 1442 01:56:08.119 --> 01:56:13.079 because having that qualified into mediary, if you decide, if you didn't identify 1443 01:56:13.119 --> 01:56:15.760 a property and all that they're saying, you'd end up losing it. So 1444 01:56:16.840 --> 01:56:20.520 by using a qualified into mediary, they're forcing you to do it. Whereas 1445 01:56:20.920 --> 01:56:25.840 I think what would be wrong with giving someone the choice. You could sell 1446 01:56:25.880 --> 01:56:30.640 your property. If you find a like property within forty five days, call 1447 01:56:30.720 --> 01:56:34.640 it good. If you don't, you pay tax. So I don't see 1448 01:56:34.640 --> 01:56:42.800 why they go through the conniptions of work, of finding, of needing and 1449 01:56:42.920 --> 01:56:45.279 intermediary. I've never understood that. Okay, by the way, on HA 1450 01:56:45.399 --> 01:56:49.319 one is most basic. They don't even sell them anymore just basic perils. 1451 01:56:49.680 --> 01:56:54.840 HA two is just the next basic what is most common as inn HA three 1452 01:56:55.399 --> 01:57:00.159 and an ho acues me an HO three and h O three is open except 1453 01:57:00.159 --> 01:57:06.119 for exclusions, open peril with specific exclusions. And then then on personal property 1454 01:57:06.600 --> 01:57:13.600 the named perils have to be shown. For the personal property Hua excuse me. 1455 01:57:13.920 --> 01:57:20.119 H O four renters. H O five is common for open perils on 1456 01:57:20.479 --> 01:57:27.680 both property and and the dwelling and personal property are both open perils. Yep. 1457 01:57:27.800 --> 01:57:31.399 Okay, that's the best policy available for homehood. Okay. Then h 1458 01:57:31.439 --> 01:57:38.920 O six is for condos. H O seven manufactured homes do you even write? 1459 01:57:38.960 --> 01:57:41.399 Do you write the mobile homes? Do you write those? Uh? 1460 01:57:41.920 --> 01:57:45.119 Not very common, but we yeah, we have some. H O eight 1461 01:57:45.279 --> 01:57:48.439 is when you live in a historic property where it's impractically rebuild it would be 1462 01:57:48.800 --> 01:57:53.199 costs more than you would ensure it for and more than the property, so 1463 01:57:53.279 --> 01:57:56.319 you kind of get an actual cash value policy. That's it. Yep. 1464 01:57:56.640 --> 01:58:00.720 And those are those, and then keep the calls coming for the insurance check. 1465 01:58:00.760 --> 01:58:03.199 Ops. Do you have any more examples before you leave? Yep? 1466 01:58:04.199 --> 01:58:10.119 Yes, leave early, go go ahead, yep. There's one here that 1467 01:58:10.319 --> 01:58:14.359 came in. It's a current customer with all State. Again, he was 1468 01:58:14.399 --> 01:58:16.399 telling us what he had, but then we had him send over the declaration 1469 01:58:16.479 --> 01:58:19.560 page found out he actually has actual cash value on his roof. He had 1470 01:58:19.560 --> 01:58:24.800 no idea. So what that means is whatever the roof is worth at the 1471 01:58:24.880 --> 01:58:28.640 time it is destroyed, is that's the only amount he gets. Yeah, 1472 01:58:28.680 --> 01:58:30.039 I know, it's a twelve year old roof, so he would be responsible 1473 01:58:30.079 --> 01:58:33.800 for almost half the cost of a new roof, and then his deductible is 1474 01:58:33.800 --> 01:58:39.720 applied, so it's that's the starting point is half and then subject to it, 1475 01:58:39.760 --> 01:58:44.319 so he only gets half coverage minus his dec That's right. So once 1476 01:58:44.359 --> 01:58:46.640 we were able to explain that to him, he said he would rather have 1477 01:58:46.760 --> 01:58:53.279 replacement cost, and so we found an option with a company called Acuity for 1478 01:58:53.439 --> 01:58:58.359 auto and home. It has a twenty five hundred dollars deductible is what he 1479 01:58:58.399 --> 01:59:01.119 had chosen to go with, and it's saved them a thousand dollars between his 1480 01:59:01.159 --> 01:59:05.199 auto and home a year. That's really incredible. But where it really comes 1481 01:59:05.239 --> 01:59:10.000 into play is if and when he has a claim, he'll be saving about, 1482 01:59:10.079 --> 01:59:14.520 you know, fifteen thousand dollars because of that. The fact that it's 1483 01:59:14.560 --> 01:59:17.399 not actual cash value anymore. What can I ask a simple question? Why 1484 01:59:17.920 --> 01:59:20.520 are you able to save money most of the time? For people? Why 1485 01:59:20.600 --> 01:59:25.239 is it? Well, I'm giving you the examples where we did save money. 1486 01:59:25.239 --> 01:59:28.199 There's time for we people will call and we'll tell them, you know 1487 01:59:28.279 --> 01:59:30.439 what, what you got is good. But even on situations like this, 1488 01:59:31.000 --> 01:59:33.960 we don't always save money whenever we're able to do that, but we're able 1489 01:59:34.000 --> 01:59:36.239 to tell them, hey, you have actual cash value on the roof, 1490 01:59:36.680 --> 01:59:40.159 so is that what you want? Do you know what you have? And 1491 01:59:40.680 --> 01:59:43.279 you know, more times than not they have no clue and they're willing to 1492 01:59:43.319 --> 01:59:47.520 spend more if they can get better coverage, So we at least give them 1493 01:59:47.560 --> 01:59:51.399 the option. We try to explain what they have and if they're happy with 1494 01:59:51.479 --> 01:59:55.760 what they have, we can quote it around that way and if we save 1495 01:59:55.800 --> 01:59:58.199 the money, great, If we don't, we'll tell them all right. 1496 01:59:58.239 --> 02:00:02.640 Someone else wants to know. What about what's considered a vicious dog? Or 1497 02:00:02.680 --> 02:00:08.840 why are some dogs premiums? You pay more? Yeah, and I will 1498 02:00:08.880 --> 02:00:12.399 tell you. Most carriers are going away from a dog list. It has 1499 02:00:12.520 --> 02:00:16.439 always been that insurance companies have a list of dog breeds that they just won't 1500 02:00:16.520 --> 02:00:23.960 ensure pitbulls, Doberman's. These are you know, a couple example Akidas. 1501 02:00:24.000 --> 02:00:27.319 These are examples of dogs that would be on that list. Most of them 1502 02:00:27.319 --> 02:00:30.640 are now going to if there's prior bite history, they won't take it. 1503 02:00:30.920 --> 02:00:35.119 But they're going away from this list of dogs. There's still some that have 1504 02:00:35.239 --> 02:00:40.760 listed dogs. But why because the statistical evidence is that those dogs bite, 1505 02:00:40.840 --> 02:00:44.199 and not only do they bite, they cause more damage when they do bite. 1506 02:00:44.520 --> 02:00:47.520 Now, Dragon, don't hit the delay button. But what he's saying 1507 02:00:47.560 --> 02:00:54.880 is there's no more sheets list. Ah, that was a joke. Three 1508 02:00:54.920 --> 02:00:57.399 all three seven to one to three dogs seven with three eight, two, 1509 02:00:57.359 --> 02:01:00.800 five to five. I think we're gonna have somebody coming on for the UH 1510 02:01:00.199 --> 02:01:02.920 ten thirty one exchange, and I'll do it after the break to give people 1511 02:01:02.960 --> 02:01:09.840 more time to talk about it, because really I often wondered about intermediaries and 1512 02:01:09.880 --> 02:01:14.640 how people what are the consequences of a ten thirty one exchange if you don't 1513 02:01:14.680 --> 02:01:17.159 identify the property, can you just call it good and pay tax you get 1514 02:01:17.199 --> 02:01:20.920 your money back, or how that works and how they base fees in the 1515 02:01:20.960 --> 02:01:28.199 ten thirty one world. It really is a good question. So that's something 1516 02:01:28.520 --> 02:01:30.760 we're going to talk about coming up three oh three seven to one, three 1517 02:01:31.159 --> 02:01:34.760 eight two five five. I want to tell you about something that I do 1518 02:01:34.840 --> 02:01:40.399 that I'm proud of doing and I love doing, and that's Grossman Wellness Clinic 1519 02:01:40.560 --> 02:01:45.199 Grossmanwellness dot Com. The reason I go to Grossman is because I have every 1520 02:01:45.239 --> 02:01:49.079 three months blood work and then a consultation and basically what amounts to an exam 1521 02:01:49.159 --> 02:01:53.880 every three months. Nothing can really go wrong in three months, not really 1522 02:01:53.880 --> 02:01:57.000 that wrong, right, and then once a year you have that full physical. 1523 02:01:57.119 --> 02:02:00.000 All of this is covered by a low monthly fee of a few hundred 1524 02:02:00.039 --> 02:02:03.399 bucks a month depending on your program. But that includes supplements, listen carefully 1525 02:02:03.880 --> 02:02:09.399 and prescript most of your prescription drugs, and all of your blood work. 1526 02:02:09.600 --> 02:02:12.640 If you do the math, it's a great option even if you have insurance. 1527 02:02:12.840 --> 02:02:15.319 I have insurance, but I do this as a self pay So for 1528 02:02:15.399 --> 02:02:19.159 two forty nine you get to do it two forty nine. Here's what you 1529 02:02:19.199 --> 02:02:24.319 get to do. You get to find out if you're a candidate or you 1530 02:02:24.359 --> 02:02:27.560 get your blood work and all of that. Just for two forty nine you 1531 02:02:27.600 --> 02:02:30.960 get your blood work and consultation. And that's Grossman Wellness three ozho three two 1532 02:02:30.960 --> 02:02:35.680 three three forty two forty seven no obligation two forty nine to find out two 1533 02:02:35.720 --> 02:02:46.319 three three forty two forty seven. Go with a sure thing Denver's best roofer 1534 02:02:46.479 --> 02:02:54.640 Excel Roofing dot com. You don't pay a cent until you're content. Time 1535 02:02:54.680 --> 02:02:59.520 for an insurance check up free, no obligation. Comparison call Compass Insurance paying 1536 02:02:59.560 --> 02:03:02.680 too much your coverage at dozens of insurance companies find out now three all three 1537 02:03:02.800 --> 02:03:06.520 seven seven to one help. You'll think you're his only customer when you choose 1538 02:03:06.560 --> 02:03:12.000 Frank durand the real estate Man dot com to list your home with Remax Alliance 1539 02:03:12.239 --> 02:03:20.720 three all three nine two zero sixteen twenty two. Hi Tom Martine, your 1540 02:03:20.800 --> 02:03:26.479 troubleshooter three all three seven one three talks seven one three eight two five five. 1541 02:03:26.560 --> 02:03:30.279 By the way, I want to mention that we do have an expert 1542 02:03:30.399 --> 02:03:33.800 on for ten nine excuse me, ten thirty ones. And that's really cool 1543 02:03:33.880 --> 02:03:38.000 because UH I used to do quite a bit of business with one, and 1544 02:03:38.039 --> 02:03:41.000 I have not done that in a long time. So I'm glad to meet 1545 02:03:41.039 --> 02:03:46.039 Sean Ross. He's with UH ten thirty one x dot com ten thirty one 1546 02:03:46.119 --> 02:03:48.840 there. You are located here in Denver, so kent you mind to listen 1547 02:03:48.880 --> 02:03:51.920 and then I'll have you ask a question. But Sean, I want to 1548 02:03:51.960 --> 02:03:56.479 ask you some basic questions first, real quick here, okay, thank you 1549 02:03:56.560 --> 02:03:59.279 for being here, by the way, on short notice, on a ten 1550 02:03:59.319 --> 02:04:02.600 thirty one, I often wondered why, Let's just say I rent out a 1551 02:04:02.640 --> 02:04:06.239 townhome and I want to buy another town home and rent it out somewhere else. 1552 02:04:06.720 --> 02:04:11.840 So I often wondered why I can't just sell that town home and the 1553 02:04:11.840 --> 02:04:15.680 government gives me forty five days to find another one, and if I do, 1554 02:04:15.359 --> 02:04:18.800 then I can defer it, and if I don't, then I pay 1555 02:04:18.880 --> 02:04:25.039 tax. Why do I have to have a qualified intermediary? That's a good 1556 02:04:25.119 --> 02:04:29.319 question, And the short answer is because they say you have to. But 1557 02:04:29.479 --> 02:04:34.640 as a longer answer might be something like, in order to not recognize taxable 1558 02:04:34.680 --> 02:04:39.680 income after the sale of a property, the never says you can't receive the 1559 02:04:39.720 --> 02:04:42.920 money. So to not receive the money, you need some other entity in 1560 02:04:42.960 --> 02:04:46.760 between to create legal distance between you and your sale and you and the consequence 1561 02:04:46.760 --> 02:04:49.920 of your sale, which is the receipt of the taxable proceeds. So the 1562 02:04:49.960 --> 02:04:55.039 IRSK you work with an intermediary then will say, you know what, it's 1563 02:04:55.039 --> 02:04:59.439 not really a sale. You're continuing your investment, and we won't consider you 1564 02:04:59.439 --> 02:05:03.720 as having received in the income. Now, when you get those proceeds and 1565 02:05:03.800 --> 02:05:09.520 it goes to you, the qualified intermediary, what I'd like to know is 1566 02:05:09.640 --> 02:05:14.479 what if I don't find a property in the allotted time, do I lose 1567 02:05:14.520 --> 02:05:16.680 that money or do I simply pay tax on it and get the rest? 1568 02:05:17.640 --> 02:05:23.640 Good question. There's no penalty for starting an exchange and failing to complete it. 1569 02:05:23.680 --> 02:05:26.439 In fact, the IRS would never even know. There's no way to 1570 02:05:26.439 --> 02:05:30.720 report an incomplete exchange. So once the funds leave the closing table and go 1571 02:05:30.760 --> 02:05:35.159 into the ESCRO account with your qualified intermediary, if you don't complete the ten 1572 02:05:35.239 --> 02:05:38.960 thirty one, you just get the money back as if you never tried, 1573 02:05:39.279 --> 02:05:42.399 and you declare the income and pay taxes again as if you never tried. 1574 02:05:43.159 --> 02:05:47.239 Okay, So once the money is deposited with you, I've sold my town 1575 02:05:47.279 --> 02:05:56.119 home, you get the money I find the next property. Does that property 1576 02:05:56.239 --> 02:06:00.359 have to be more or less than my previous property? The good question. 1577 02:06:00.560 --> 02:06:03.439 It's a good idea for it to be as much or more, but it 1578 02:06:03.479 --> 02:06:08.880 doesn't have to be. It's possible to complete a ten thirty one exchange into 1579 02:06:09.199 --> 02:06:12.680 any type of real estate at any value. Just a question of how much 1580 02:06:12.760 --> 02:06:15.640 tax deferral do you get, and if you want to defer all of the 1581 02:06:15.680 --> 02:06:17.600 taxes that would have been doue upon sale, you want to make sure the 1582 02:06:17.680 --> 02:06:21.680 replacement property is worth at least as much as what you sold. Oh, 1583 02:06:21.840 --> 02:06:27.840 very interesting. So once I do this, though, and I sign up 1584 02:06:27.880 --> 02:06:31.520 with you to do this, you don't actually take ownership of my town home 1585 02:06:31.560 --> 02:06:35.359 and sell it. I sell it? Is that correct? That's right? 1586 02:06:35.479 --> 02:06:39.119 That's right. And it can get a little bit confusing with the way that 1587 02:06:39.159 --> 02:06:43.840 the language reads when you sign a contract with your intermediary and the way it 1588 02:06:43.880 --> 02:06:46.079 looks on the closing statement. But no, our job is not to take 1589 02:06:46.119 --> 02:06:50.039 possession of any properties or to go find any properties for you or any other 1590 02:06:50.079 --> 02:06:54.560 investor. Our job is just make sure that when you do that, it's 1591 02:06:54.560 --> 02:06:58.720 structured in a way that the irsiview is valid. But everything otherwise is still 1592 02:06:58.760 --> 02:07:02.159 taking place as if we were there. Sean Sean, can you visit like 1593 02:07:02.239 --> 02:07:06.960 property real quick? Yeah? Like kind is a pretty I would say, 1594 02:07:06.960 --> 02:07:12.199 almost a misleading term, because a lot of people assume like kind means that 1595 02:07:12.239 --> 02:07:15.560 it's used the same way or it's the same kind of structure. But really 1596 02:07:15.720 --> 02:07:20.079 like kind just means that it's used for business or investment purposes. So you 1597 02:07:20.119 --> 02:07:25.800 could trade out of raw land into a skyscraper. You could change out of 1598 02:07:25.800 --> 02:07:29.560 a single family to a multifamily. You could I used to say, you 1599 02:07:29.560 --> 02:07:32.079 could trade out of oil and gas rights into Yankee Stadium if the math worked 1600 02:07:32.079 --> 02:07:34.960 out right. Now, you know, I never knew that that is really 1601 02:07:35.000 --> 02:07:42.600 good stuff, Sean. Next question about like what about do corporations ever trade 1602 02:07:43.039 --> 02:07:49.239 aircraft or yachts or cars anything like that? Used to happen all the time, 1603 02:07:49.359 --> 02:07:54.720 all the time until twenty seventeen and twenty seventeen the Tax Cuts and Jobs 1604 02:07:54.720 --> 02:07:59.680 Act eliminated ten thirty one exchanges for everything other than real estate. But oh 1605 02:08:00.279 --> 02:08:03.560 used to be very common. But they're not exchangeable assets anymore. Tom, 1606 02:08:03.039 --> 02:08:09.399 Okay, that's great now. As far as the uh, finding the like 1607 02:08:09.520 --> 02:08:16.399 property when I find it? Does it ever turn off sellers because I'm coming 1608 02:08:16.439 --> 02:08:20.479 to them with you? Sometimes? Yes, And this can get a little 1609 02:08:20.479 --> 02:08:24.840 tricky because a lot of people assume introducing a ten thirty one means introducing either 1610 02:08:24.880 --> 02:08:30.039 complexity or cost. And for the seller, if you're the buyer coming with 1611 02:08:30.079 --> 02:08:33.199 your exchange funds, the ten thirty one has really no impact whatsoever on the 1612 02:08:33.239 --> 02:08:37.600 seller, but they don't always know that. What we usually recommend people do 1613 02:08:37.359 --> 02:08:41.439 is to not disclose that a ten thirty one is taking place until you get 1614 02:08:41.439 --> 02:08:45.239 to the closing table, in which case our company will provide a note to 1615 02:08:45.279 --> 02:08:48.920 the seller because, by the way, this is an exchange and it doesn't 1616 02:08:48.960 --> 02:08:52.119 effect to you in any way. Please sign here saying you acknowledge that it's 1617 02:08:52.199 --> 02:08:54.279 very common to have a notification sooner than that, but it's not required, 1618 02:08:54.960 --> 02:09:01.079 okay. And then qualifications. That was his original cull Kent wanted to know, 1619 02:09:01.239 --> 02:09:05.079 how the hell do I find intermediary that I know is going to do 1620 02:09:05.119 --> 02:09:11.319 the right thing. I mean, listen, are you're not red talk fees 1621 02:09:11.359 --> 02:09:13.000 real quick? How does it generally? Well, we'll do that. I 1622 02:09:13.000 --> 02:09:16.880 want to talk qualificate. We will do that. Mark qualifications, Sean, 1623 02:09:18.159 --> 02:09:24.319 Yes, are you regulated lightly? And this does vary state by state even 1624 02:09:24.359 --> 02:09:28.279 though it's a federal law ten thirty one exchange. So after the two thousand 1625 02:09:28.279 --> 02:09:33.640 and eight crash, a couple of QIS went under, some very infamously and 1626 02:09:33.720 --> 02:09:37.319 some in Colorado, some people ran off with client funds. It was a 1627 02:09:37.319 --> 02:09:41.720 big scandal. But compared to most other financial intermediaries, ten thirty one exchange 1628 02:09:41.760 --> 02:09:46.800 companies are very lightly regulated and we're not licensed outside of the state of Nevada. 1629 02:09:46.319 --> 02:09:52.359 So instead, what you have to rely on are things like recommendations better 1630 02:09:52.399 --> 02:09:54.920 business bureau. Are the member of any professional associations? Who do they bank 1631 02:09:56.039 --> 02:09:58.800 with? What guarantees do you have? Are they bonded or ensured? All 1632 02:09:58.800 --> 02:10:01.680 of that is very important to make sure you're working with somebody that you can 1633 02:10:01.680 --> 02:10:05.279 trust. Now, what about fees, as marc as, Yeah, is 1634 02:10:05.319 --> 02:10:11.600 it based upon the price the complexity? What another good question, and it 1635 02:10:11.640 --> 02:10:16.520 really does vary across the industry. You'll see example, it'll be a percentage 1636 02:10:16.560 --> 02:10:20.359 of the value of the property, or maybe the fees will go up and 1637 02:10:20.439 --> 02:10:24.199 down based on the number of deals or the value of what's being bought and 1638 02:10:24.239 --> 02:10:28.239 sold. In our case, we charge a flat rate, doesn't matter the 1639 02:10:28.239 --> 02:10:33.039 deal size, type, or location, and that flat rate fee will come 1640 02:10:33.079 --> 02:10:37.319 out at the time of closing like any other broker, commission or settlement fee. 1641 02:10:39.279 --> 02:10:43.680 And do you mind saying what the fee is. No, we charge 1642 02:10:43.680 --> 02:10:46.239 a flat rate of nine hundred and fifty dollars per exchange, and that includes 1643 02:10:46.479 --> 02:10:50.840 the sale transaction and the purchase transaction. I don't even know how you can 1644 02:10:50.880 --> 02:10:54.359 afford to do it at that Actually, yeah, I don't know either. 1645 02:10:54.399 --> 02:10:58.039 That's cheap. Well, the good news is in this industry there's not a 1646 02:10:58.079 --> 02:11:03.119 ton of overhead, and with enough volume and the right experience, you can 1647 02:11:03.159 --> 02:11:07.479 do things pretty efficiently. Now, what is your background personally yours? Yeah, 1648 02:11:07.520 --> 02:11:11.199 so I've been with this company for seven years. Before that, I 1649 02:11:11.279 --> 02:11:18.399 worked for a financial publication that specialized mostly in distressed assets, targeting attorneys and 1650 02:11:18.479 --> 02:11:24.079 CPAs, and before that I was a financial advisor. Okay, so you 1651 02:11:24.680 --> 02:11:28.880 pretty much have a good background in finance, Kent. I do want to 1652 02:11:28.880 --> 02:11:33.800 ask him one more question, because they are holding that money for a period 1653 02:11:33.800 --> 02:11:37.000 of time while you're finding that like property, or if you already found it, 1654 02:11:37.000 --> 02:11:39.319 for at least a day. But how do you bond? What does 1655 02:11:39.359 --> 02:11:43.239 your company do? How is someone sure you're not going to run off with 1656 02:11:43.319 --> 02:11:48.840 the money. That's a good question. So the banking relationship is very important. 1657 02:11:50.279 --> 02:11:52.800 We work with primarily two all of the other banks only two banks, 1658 02:11:54.399 --> 02:11:58.039 Capital One Bank and Bank of Colorado here locally to save out the funds, 1659 02:11:58.039 --> 02:12:01.960 and of course you get the FDA. I see protections there, but you 1660 02:12:03.000 --> 02:12:07.720 should carry additional insurance on top of that, both for internal errors and omissions 1661 02:12:07.760 --> 02:12:11.800 that might happen on our ends and for the risk of especially in these days, 1662 02:12:11.800 --> 02:12:16.479 wirefraud and cyber theft are huge problems. You should carry additional insurance on 1663 02:12:16.560 --> 02:12:22.680 top of what the bank provides in case some third party to something that farious 1664 02:12:22.159 --> 02:12:26.399 when the money is changing the point from closing table to bank. Okay, 1665 02:12:26.479 --> 02:12:31.239 Kent, since you called originally, do you have any questions for Sean? 1666 02:12:31.479 --> 02:12:35.680 Now? This is really good information, and I do have one about the 1667 02:12:35.720 --> 02:12:41.039 insurance. Who do you where do you get that insurance? Who would you 1668 02:12:41.079 --> 02:12:46.720 talk to about that? Well, think he's talking about the intermediary has the 1669 02:12:46.760 --> 02:12:50.560 issues, Sean. He's saying his company has that insurance. And what I 1670 02:12:50.560 --> 02:12:54.520 would do, whether it was Shawn's company or any other company you end up 1671 02:12:54.520 --> 02:12:58.560 dealing with, just like a contractor, I would have them provide me proof 1672 02:12:58.600 --> 02:13:03.800 of that coverage. Right, you should contact the intermediary and you should say 1673 02:13:03.920 --> 02:13:07.720 how are my funds safeguarded? And that's not just about insurance, although insurance 1674 02:13:07.840 --> 02:13:11.840 is very important, it's also about what are your safety protocols? How can 1675 02:13:11.880 --> 02:13:16.600 funds get released? So with our company, we can't move funds in or 1676 02:13:16.600 --> 02:13:20.960 out of our client accounts unless our client signs and gives us verbal authorization to 1677 02:13:20.000 --> 02:13:24.520 do so. And so without that, the bank won't Our banks won't let 1678 02:13:24.600 --> 02:13:28.399 us move money without that. And that's also very important. That is very 1679 02:13:28.399 --> 02:13:31.920 important. And it's kind of weird because it does kind of give you control 1680 02:13:31.920 --> 02:13:35.359 over proceeds. You would think the IRS would think wait a minute, but 1681 02:13:35.840 --> 02:13:39.840 hey, if you're doing it, it's a safety measure for consumers. I 1682 02:13:41.000 --> 02:13:46.039 like it. My only other question. My only other question would be, 1683 02:13:46.800 --> 02:13:52.640 I guess this is all done electronically. You wouldn't because I'm in northern Colorado, 1684 02:13:52.680 --> 02:13:56.079 so I wouldn't need a representative here. It all be done electronically. 1685 02:13:56.279 --> 02:14:01.119 Yeah, that's right. In fact, we were sort of doing our wax 1686 02:14:01.159 --> 02:14:05.239 on wax off impersonation pre COVID on this and did everything digital, probably around 1687 02:14:05.279 --> 02:14:09.680 twenty seventeen twenty eighteen. But everything could be done from your phone or from 1688 02:14:09.720 --> 02:14:13.479 a computer. We have clients nationwide, we have international clients. You don't 1689 02:14:13.479 --> 02:14:16.479 need someone personally to go visit any office or sign any paperwork, do you 1690 02:14:16.520 --> 02:14:20.439 guys? So basically, if he wants to use you, Sean, he 1691 02:14:20.600 --> 02:14:22.800 just calls up the number. We'll give it out at the end. But 1692 02:14:22.439 --> 02:14:26.640 he doesn't have to show up at your office in Denver. He doesn't, 1693 02:14:26.680 --> 02:14:33.439 although he's certainly welcome to Now. I want to ask about the business in 1694 02:14:33.520 --> 02:14:37.880 general, Sean ten thirty one exchanges? Are they higher than they used to 1695 02:14:37.960 --> 02:14:41.039 be, lower than they used to be? About the same? What's the 1696 02:14:41.119 --> 02:14:46.279 trend? I would say the first couple of years post COVID, there was 1697 02:14:46.319 --> 02:14:48.680 a real boom in the industry. There was a lot of cash flown around 1698 02:14:48.720 --> 02:14:52.880 and industrates were still very low and there were a lot of gains to be 1699 02:14:52.199 --> 02:14:58.119 captured and transferred over. Since interest rates started climbing and real estate transaction volume 1700 02:14:58.119 --> 02:15:03.279 in general has load, we've seen a bit of a slowdown in the industry 1701 02:15:03.279 --> 02:15:05.439 across the country. This is not true everywhere, but regionally, it certainly 1702 02:15:05.479 --> 02:15:09.479 is true in some places. And what we're seeing right now is the prices 1703 02:15:09.560 --> 02:15:13.439 still haven't quite adjusted for the increase in rates. There's a lot of cash 1704 02:15:13.479 --> 02:15:18.039 waiting on the sidelines, so it's probably a little bit slower than normal. 1705 02:15:18.640 --> 02:15:20.239 Right now, all right, thank you very much. That he's a CEO 1706 02:15:20.319 --> 02:15:26.079 of ten thirty one X ten thirty one x dot com, which is an 1707 02:15:26.159 --> 02:15:31.039 awesome website. I can't believe you got that you are three zho three five 1708 02:15:31.239 --> 02:15:35.840 zero four zero one four to four is their number. Thank you for being 1709 02:15:35.920 --> 02:15:39.880 here, appreciated, Ken. Thank you for bringing up the topics so we 1710 02:15:39.920 --> 02:15:45.840 can educate our people more. Coming up, Go with a sure thing Denver's 1711 02:15:45.880 --> 02:15:50.239 Best roofer Excel Roofing dot com. You don't pay a cent until you're content. 1712 02:15:52.600 --> 02:15:58.720 Time for an insurance check up free no obligation comparison call Compass Insurance paying 1713 02:15:58.760 --> 02:16:01.840 too much your coverage? Dozens of insurance companies find out now three oh three 1714 02:16:03.000 --> 02:16:05.399 seven to seven to one help. You'll think you're his only customer when you 1715 02:16:05.479 --> 02:16:09.640 choose Frank durand the real estate Man dot com to list your home with Remax 1716 02:16:09.680 --> 02:16:18.920 Alliance three oh three nine two zero sixteen twenty two. Hey, I'm Tom 1717 02:16:18.920 --> 02:16:22.199 Martino. You're a troubleshooter three oh three seven one three twelve. Oh. 1718 02:16:22.279 --> 02:16:26.560 I that guy had a question, but he's he's off now. So we've 1719 02:16:26.640 --> 02:16:28.800 learned a lot of good things today on the show, and I want to 1720 02:16:28.840 --> 02:16:31.960 remind you the Insurance Health Center is still open at three oh three nine nine 1721 02:16:31.079 --> 02:16:37.959 six nine thousand, doing comparisons of insurance, and it's really important. One 1722 02:16:37.000 --> 02:16:43.479 of the biggest deals is not being underinsured. You can end up in a 1723 02:16:43.559 --> 02:16:48.280 big problem. Now. A lot of people feel under insurance only hurts them 1724 02:16:48.600 --> 02:16:52.840 when it comes to total losses, but not true. If you're sadly underinsured 1725 02:16:54.479 --> 02:17:00.479 and you get like a roof claim and let's say you are third eight percent, 1726 02:17:00.719 --> 02:17:05.159 forty percent under insured, they will take thirty or forty percent off the 1727 02:17:05.239 --> 02:17:13.159 roof clean. So under insurance penalties are massive problems because in addition to your 1728 02:17:13.280 --> 02:17:18.639 deductibles, you have loss of coverage. And a lot of people do not 1729 02:17:18.319 --> 02:17:24.200 believe or think about that. It's loss of vale exucume, it's undervaluing your 1730 02:17:24.280 --> 02:17:30.399 home, and that is one of the biggest problems people have with insurance. 1731 02:17:31.319 --> 02:17:35.399 Three oh three seven one three oh. I don't know why I'm giving out 1732 02:17:35.399 --> 02:17:37.639 that, and I'm roll give about this number because when we go off the 1733 02:17:37.680 --> 02:17:39.360 air, you can call it. You can call it twenty four to seven 1734 02:17:39.399 --> 02:17:45.360 and get help for anything you need. At three oh three Martino three oh 1735 02:17:45.520 --> 02:17:50.600 three six two seven eight four six six, Hey something else with compass real 1736 02:17:50.680 --> 02:17:54.399 quick. We never talk about enough any small business out there. If you're 1737 02:17:54.440 --> 02:17:58.239 a contractor or, like when I own The Good Years, we had garage 1738 02:17:58.319 --> 02:18:01.760 keepers. These guys do a full commercial array as well. You send them 1739 02:18:01.799 --> 02:18:05.600 the deck pages. How about workmen's comp. You might think you have Pinnacle, 1740 02:18:05.639 --> 02:18:09.959 which most people do, and you're getting a good deal on workmen's comp. 1741 02:18:09.040 --> 02:18:13.120 I'm telling you these guys, depending on how you're you're rated, can 1742 02:18:13.159 --> 02:18:16.959 get you better deals even on workmen's comp. Now, by the way, 1743 02:18:18.559 --> 02:18:22.840 if you, if any of you people have Roku, I'm mentioning this as 1744 02:18:22.840 --> 02:18:28.399 a last minute thing because it's important. Roku now has a system when they 1745 02:18:28.440 --> 02:18:31.840 do an update mark. If you don't accept terms and conditions when they revise 1746 02:18:31.920 --> 02:18:37.879 them, they will brick your TV. It will not move until you go 1747 02:18:37.040 --> 02:18:41.799 past it, and you must agree to it first. Now that doesn't mean 1748 02:18:41.840 --> 02:18:43.280 you won't agree to it, but I just want you to know that, 1749 02:18:43.520 --> 02:18:48.079 all right, don't forget three oh three Martino, And then of course referrals 1750 02:18:48.120 --> 02:18:50.719 dot com for help information and referral save all your problems for me.