WEBVTT

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Yeah, ripped up news didn't need
that, so you don't have Marnings.

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Just as nas as we can shoot, is gonna help come. This is

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the Troubleshooter Show. No, Tom
Martino, Okay, I'm Tom Martino.

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Welcome to the show. Dang it. The weather's gonna be bad for the

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eclipse. I hear, and I
wanted to fly out there. I was

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planning an adventure. I mean,
because I want to be able to say

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I saw two in a lifetime because
I went there. Wasn't it how long

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ago, sus was? It wasn't
last year, but it was a few

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years ago, three or four years
ago. Tom Ross, Kimisky and I

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went out there. We flew in
the helicopter and then we did our shows

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out there, and it was an
adventure. And I just talked to Ross

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today. He says, no,
he's not gonna make it a double or

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nothing. I want it to do
too. But now let me get this

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straight. Everyone says, oh,
it's a once in a lifetime thing,

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but it's not a once in a
lifetime thing because for me, I hope

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it could be two in a lifetime. Where will it be next year?

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Or I mean, how often does
it happen like this where the swath comes

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and does it move over a little
each time? Is that what it's doing?

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I don't know anyway. If you
know anything, let me know because

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I want to go there. But
I hear the weather's going to be crappy.

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Now listen, coming up right now
today is Wednesday. We're going to

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have an exciting thing going on.
You know. I love auctions and rollerauction

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dot Com. If you go to
roller auction dot com, now that's just

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an auction site. There are a
lot of things on there, okay,

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like an eBay, right, but
it's for industrial and all kinds of home

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stuff. If you go to roller
Auction, I want you to look for

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Buy and Build. Courtney Pierce my
friend and sponsor for many years, which

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I thank you for. Courtney.
I've done business with him at of course,

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the Buy and Build Kitchen and Bath, five sixty South Lapan. He

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wrote the book on warehouses. He
used to have a big, ugly warehouse

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and then moved to this beautiful one
on five sixty South Lapan. He he

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has all kinds of stuff there,
but about twice a year. I think,

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Courtney, you say you do these
auctions, right, I have them

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up? Is he there? Are
you there? Courtney? Am I doing

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something wrong? Is he on?
Hello? I have him pulled up?

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Can you see check out that line
for me? Please and see why I

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can't pull him up here? I
think I have him Shannon, if you

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could. Yeah, he might be
on, he might not be, but

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anyway, let me try. Let
me try it again, Courtney. Yeah,

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this is you. Hear me now
I can, sir, So now,

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Courtney, at one o'clock the thing
start closing now, people and go

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go on now and bid right,
but at one o'clock the first item closes,

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and then explain how it works because
they haven't gone on. I want

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them to do it today. Rollerauction
dot com look for Buy and Build Kitchen

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and Bath. You should be on
the front page. And then bidding you

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click the bidding button. What happens
today? Now today, starting at one

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o'clock, you'll see the first three
items will close at one o'clock. Then

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the next three items will close at
one oh one, and every minute three

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items will close. Now, if
you're in, if you're involved in active

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bidding on that item, when it
closes and somebody outbids you with thirty seconds

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left, it does go into extended
bidding for a couple minutes and gives you

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a chance to counterbid, which is
kind of a nice opportunity. Yeah,

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there's so many good deals to be
had right now. Right now, you

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have some things that you can get
for pennies literally, absolutely, there's there's

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all sorts of floor coverings, there's
tile, there's hardwood flooring, there's laminate

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flooring. We've got full sets of
kitchen cabinets. Some of the cabinets right

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now are going for just over one
hundred dollars per cabinet. And as you

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know, prices have gone up a
lot in this industry, and cabinets are

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costing three four, five hundred dollars
per piece. There's some really amazingly good

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deal came out it Courtney. What
happens if something doesn't get bid on?

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What happens if there's no bid at
all on it? I end up taking

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it back to my warehouse. But
if somebody bids five dollars on something that's

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worth five hundred dollars, it sells
for five dollars. See that's why,

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Oh my god, that's why you
have to go If you did nothing else

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but go on there and buy something
that hasn't been bid on because there is

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no reserve. Isn't that correct?
That's correct, there's no reserve. Off

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Courtney. I remember you were pissed
off one time, and I mean in

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a lighthearted way, pissed off.
Some guy got hardwood flooring. I think

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it was seventy cents or something a
foot. It was the most ridiculous price.

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This was years ago. I don't
know if you remember that, but

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man, you said, you know
this, these were some of the best

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deals people ever got, and I
yeah. I mean for me, it

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doesn't help me because I'm not making
as much money on it when they sell

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like that, but it does keep
buyers quite interested to know that you can

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win a lot of hardwood flooring for
fifty cents. Okay, now warefoot that's

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worth five dollars of square foot.
So we're talking really good stuff. We're

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talking countertop materials, cabinets. We're
talking light fixture, not light pictures,

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right, are there light pictures?
Yeah? We have good You have some

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light, fire, plumbing fixtures,
vessels, sinks, all kinds of stuff.

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Now, what's the weirdest thing?
You said? Your brother puts some

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stuff. He has a liquidation place
have you come up with any weird stuff.

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Yeah, if you look towards the
end of the auction, there's all

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sorts of little gift items and stuff, and there's some really funny things.

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There's Laydo fun factory kind of stuff
in there. There's a stretched armstrong hot

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dogs. There's bicycle locks. There's
earbuds. Oh, man, you used

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to one time. I remember you
guys had uh what what old guitar amplifiers.

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Yes, yes, we used to
have a contact where we're getting musical

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instruments. We do not have any
musical stuff at this auction, but we

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do have beer signs and I'm looking
right now. I mean we even have

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turf builder fertilizer for your front yard. There's a hot tub. Oh yeah,

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hot tub too. Huh yeah,
there's a thirty jet spa corner hot

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tub in there. It comes with
an inflatable cover that's inside the hot tub

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right now and be perfect for a
bit. What's the bid on that right

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now, small person? I think
it's at nineteen right now? Wow,

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for a thirty one jet spa that
I mean would be having your back patio.

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Okay, that is rollerauction dot Com
look for buy and Build and of

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course don't forget buy and build itself
if you want deals, buy and build

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dot net. Hey, we might
actually really call you this afternoon if it's

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okay, Courtney, right after it
starts closing, will you have time to

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talk? Yeah? Absolutely? All
right, Hey, uh, let's put

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a tickler in the show to call
him back. Thank you? All right,

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now I want to go to the
phones, my peeps. Crystal has

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a follow up. Crystal, what's
going on this issue with the neighbor?

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Oh my goodness, let me explain
this. So Crystal called and said,

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Hey, I had a dumpster and
what I did was I had some cleanup

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I'm doing. I rant a dumpster, and my neighbor, who's in the

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construction business, all of a sudden
starts uh using it. They put some

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wind construction debris in it. And
then I told you, why don't you

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just talk to him and ask him
the chip in or whatever? What's going

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on with that? Hi? Can
you hear me? I sure can?

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Okay, Yeah, Well it wasn't
the neighbor. It's just like a couple

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of blocks down. Oh okay,
but there were two young men, you

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said, I think that have and
what do they do? They do they

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do a construction construction? Yeah?
When I drove up to the house one

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of them. Is it like they
have like a truck with a sign construction

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and then the roommate is a construction
worker too, So what happened? Did

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anything change or what? No?
Nobody else we had you on tour.

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I think we had John yesterday.
I said we were going to bring you

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back and see what we can do
about this. Maybe we'll even call them.

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But but was it a one time
thing or is it continuing? Do

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you know? No, it's just
one time because nothing else ended up in

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the dumpster today? Did you end
up having to get another dump on it

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or something? Like? Did you
run out of room because of it?

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I'm a ninety percent pool and I'm
still not done feeling it. So is

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it going to result? Like?
How do they work when you rent a

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dumpster? Did they come? I
thought they come and empty it for you

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and then you keep it there?
Are you paying by the month? How

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does it work with that? I
just no, I just bought it for

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one time for six hundred, almost
six hundred, and I'll have it for

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two weeks and then if it goes
above the line, like above the I'm

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sure they charge you more. So
I didn't work out any deals like for

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them. How do you know then, if they're not neighbors, how do

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you know who exactly did that?
Because of the boxes in the in their

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chense, they're shipping labels on it, but the boxes. Then you had

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old windows too, right, Yeah, the windows were with the boxes.

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They were all together like you could
tell them through because there was a box

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and then there was the windows,
and then there was another box I made

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in another world, I might in
the middle of the night bring that back

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and drop it off on their lawn. How much stuff those people might not

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even know. They probably had a
contractor now hold on, No, no,

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those guys. That shipping address is
to these two guys that live there

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and they're in the construction biz.
Oh isn't that that story? Crystal?

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Yeah, yep, that's exactly.
Because he said his roommate he kicked him

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out because he wasn't being read.
And I said, well, there's your

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roommate. Wait so you oh wait, wait, so you did talk to

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him already? Yeah. No,
I talked to the guy that owns the

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house or lived there, and he
said he would contact the w so he's

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blaming hold On, He's blaming someone
who used to live with him. Yes,

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well that might be true. You
know, that might be he might

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you know, maybe he has nothing
to do with it. I amend my

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recommendation. Haven't you ever done it? You've never dumped anything, or have

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you a someone else? I've dumped
a cup of coffee I was driving and

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I flung it over my car.
I have never dumped No, and I'm

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serious. I've never dumped anything in
it. I've never dumped anything in someone

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else dumpster like that, a construction
dumpster. I have been places where like

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I had a litter bag in my
car, you know, you know what

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I mean, stuff, and I'd
be behind a supermarket. Yeah, and

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I would throw stuff in their course. Yeah, yeah, difference. But

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I haven't done like heavy duty stuff
to take you must have a refrigerator downstairs.

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And that kind of disappeared. What
does that mean? It means it

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went into a dumpster somewhere. It
sure as hell didn't go to my house

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when I got rid of it.
Oh, you dumped it here. I'm

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not saying where I dumped it,
nor am I going to say if I

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did dump it. Hey, Crystal, do. What do you want us

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to do? I mean this guy. I was going to contact the neighbor,

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but I don't think we should if
he if you already did and he

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said, look, we had to
get our we had to get rid of

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my roommate. He's the one that
did it. Do you have a name

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and a contact number for that roommate? No, I give a my phone

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number. I have their name.
Well you do you do have the offender's

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name? Okay, I'll tell you
what. I'll tell you what. Let's

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have a who's is doc to home
Deputy doc. Deputy doc? Can you

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Kaschina? Let's give this to deputy
doc to call over to that guy to

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see if we can get a handle
on the other guy. Go with a

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sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent

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00:12:26.879 --> 00:12:33.639
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In comparison, call Compass Insurance paying
too much your coverage at dozens of

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insurance companies find out now three O
three seven to seven to one. Help.

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00:12:41.919 --> 00:12:45.519
You'll think you're his only customer when
you choose Frank durand the real estate

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00:12:45.559 --> 00:12:48.960
man dot com to list your home
with Remax Alliance three oh three nine two

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00:12:50.039 --> 00:13:01.080
zero sixteen twenty two. Hi Tom
Martino three three having won three talks seven

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one three two five five. We
have pro bid energy with us for solar,

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so feel free to ask questions about
that and we're going to talk if

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00:13:07.799 --> 00:13:11.960
you want to text me five seven
seven three nine. Of course you know

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how we love solar if done the
right way. Also, I want to

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remind you that UH water Pros has
the best water systems at the lowest prices

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bar none. If you want soft
water, purified water, get rid of

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the chemicals, get rid of the
plastics. People. This is honest to

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God. I believe a crisis.
People don't talk about it. You hear

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them talk about climate change. You
hear him talk about air pollution. You

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don't hear him talk about water Waterpros
dot net three zho three eight six two

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five five five four. Now Kim
has a problem with ticket Master. In

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fact, are we on with ticket
Master right now? Sus is that what

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you're on ticket Master or not?
No? Oh okay, excess, Oh

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okay, what's going Because I'm trying
to get tickets from my kid on something

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and Sue's had the connections. No, I am on ticket mass Oh,

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I'm sorry, Yeah, I am. Okay, why do you have a

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connection? Why was he not able
to do it? And you can?

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Do you have a special login or
what? No? I just signed up

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through the artist. But why do
you so? Why do you so you

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get you get, you get in
before anyone else. Yeah, I got

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in yesterday. Yeah, but why
you's the other thing you have to do.

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You have to be patient because tickets
will disappear, and then more tickets

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00:14:24.320 --> 00:14:26.879
will reappear. Okay, because he
said, Dad, they're all gone.

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Man, he said, they're all
gone. If you wait a little bit,

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00:14:28.399 --> 00:14:31.799
some more reappear. It's so I
just texted him, and you're texting

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00:14:31.879 --> 00:14:35.600
him because I want to snag him, but I want to make sure he's

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00:14:35.639 --> 00:14:39.840
going to make good on him for
his friends, because I just want to

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make sure they're going to pay their
share. And we're on there right now.

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00:14:43.480 --> 00:14:48.919
So what's your issue, Kim?
Hey, I called to let you

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know. I try to get tickets
for Death Leopard. Yeah online online?

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00:14:52.320 --> 00:14:58.240
Actually yeah. I picked my feet
out and everything and went to check out

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00:15:01.159 --> 00:15:03.720
try to use PayPal. They didn't
accept it, so I put another credit

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00:15:03.720 --> 00:15:09.519
guardian was not accepted. Oh my
didn't hold on. Hold on. When

215
00:15:09.559 --> 00:15:13.080
my son went in yesterday and put
in there were some tickets available. When

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00:15:13.080 --> 00:15:16.759
he went in he put in our
card. It was rejected both. I

217
00:15:16.840 --> 00:15:20.000
gave him two cards. They were
both rejected. Then they sent me an

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00:15:20.080 --> 00:15:24.360
email saying did you make this purchase? And I said yes. Then they

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00:15:24.399 --> 00:15:28.559
said, okay, tell the merchant
they can resubmit it. Well, well

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00:15:28.600 --> 00:15:33.200
we didn't and we lost out because
I called him back and he said,

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00:15:33.200 --> 00:15:39.440
now they're gone. So this is
common with Ticketmaster. It's common with certain

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00:15:39.600 --> 00:15:46.600
apps. If you make a purchase, they make you confirm it. Okay.

223
00:15:46.679 --> 00:15:52.399
Well, in fact, I've had
I've had some sites. My daughter

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00:15:52.440 --> 00:15:58.039
went on a site for clothing and
I must it's a Chinese company or something.

225
00:15:58.639 --> 00:16:00.279
But man, they must have a
lot of fraud or something, because

226
00:16:00.399 --> 00:16:06.120
every card we put in there was
rejected. And the site really does ship

227
00:16:06.120 --> 00:16:08.039
and they're legit, But I don't
know what to do. Have you ever

228
00:16:08.080 --> 00:16:12.600
come across that mark or sus Have
you come across that where you can't use

229
00:16:12.600 --> 00:16:17.360
a card they keep rejecting it,
not because of your card, but because

230
00:16:17.360 --> 00:16:22.720
of the site. It's I don't
know if they have an algorithm that measures

231
00:16:22.840 --> 00:16:26.320
the amount of it's going to be
your bank declining it. It's not this

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00:16:26.519 --> 00:16:29.840
site. No, no, it's
the bank. No, No, you're

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00:16:29.919 --> 00:16:32.679
right, Mark, it's the bank. But I'm wondering of our credit card

234
00:16:32.759 --> 00:16:36.200
issuers. Well, you have a
lot of fraud on yours, so maybe

235
00:16:36.240 --> 00:16:38.679
yours is set to a higher degree
to decline. I don't know. It

236
00:16:38.720 --> 00:16:42.639
could be. It could be.
I mean the fraud that I've had is

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00:16:42.919 --> 00:16:47.840
unbelievable to me. How many people. But anyway, that's what it is.

238
00:16:47.919 --> 00:16:51.879
And there's no answer to it,
Kim, except contact your bank tell

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00:16:51.919 --> 00:16:55.200
them to show I didn't finish my
story though, Okay, go ahead,

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00:16:55.639 --> 00:17:00.279
after God decline, God decline.
It popped up with if they're having issues,

241
00:17:00.320 --> 00:17:04.880
called this number. Yeah, so
I called the number and that's where

242
00:17:04.920 --> 00:17:10.880
I got ripped up. Basically,
the numbers stated, Yeah, then you

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00:17:10.960 --> 00:17:14.000
weren't on the ticketmaster site. Yeah, you were on the wrong site.

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00:17:14.359 --> 00:17:18.400
No, no, yeah, I
guess so I know you were on a

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00:17:18.880 --> 00:17:21.960
you were on a site. This
happens to Oh my god, so you

246
00:17:22.000 --> 00:17:27.240
were on a cloned site. What
happened then? Well, so then they

247
00:17:27.319 --> 00:17:32.480
tell me the reasons why your card
got declined that they're having issues with their

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00:17:32.599 --> 00:17:40.200
system and I need to go down
and purchase Ticketmaster gift cards. And if

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00:17:40.240 --> 00:17:42.319
they don't have the ticket Master gift
card, which they come to find out,

250
00:17:42.359 --> 00:17:47.000
I don't even think they have gift
cards for ticket Master. Wait a

251
00:17:47.000 --> 00:17:51.039
minute, did you do it?
I did, like a stupid Oh my

252
00:17:51.160 --> 00:17:53.319
god? How what though? You
just said you don't think they had she

253
00:17:53.400 --> 00:17:56.000
bought gift cards. That's not what
she just said, though, would you

254
00:17:56.000 --> 00:18:00.279
buy even stupider? Because they said
if they didn't have that. I should

255
00:18:00.319 --> 00:18:03.920
have known if they didn't have the
ticket Master cards that they would accept the

256
00:18:03.920 --> 00:18:07.279
eBay card. Oh god, well, I'm like, yeah they have eBay,

257
00:18:07.359 --> 00:18:11.960
let's do eBay? So okay,
that was one hundred and sixty five

258
00:18:11.000 --> 00:18:15.200
dollars I purchased it. I said, yeah, that they only had the

259
00:18:15.240 --> 00:18:18.240
eBay card. How many? How
much did you lose on all? How

260
00:18:18.319 --> 00:18:21.839
much did you lose? Is that
from twenty five dollars up to two hundred

261
00:18:21.880 --> 00:18:25.359
dollars? Are you get purchased on
this? Are you? Are you out

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00:18:25.400 --> 00:18:29.519
two hundred right now? Well three
hundred and sixty five? Oh, oh

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00:18:29.599 --> 00:18:33.359
my god. Man. She toured
some sugar on them. Yeah, he

264
00:18:33.599 --> 00:18:40.599
said, the one sixty five got
declined on that eBay card, so I

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00:18:40.599 --> 00:18:45.319
would need to do the full party. You never suspected fraud. You thought

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00:18:45.359 --> 00:18:49.680
that Ticketmaster was really calling you,
having you go gift card get gift cards.

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00:18:51.000 --> 00:18:53.880
You know, I actually would questioning. I was thinking, and he's

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00:18:53.960 --> 00:18:59.000
like, well do you think I
would room Ticketmaster's name and this and that

269
00:18:59.359 --> 00:19:03.799
and we're legit? Oh my god, because raving system bobbles everybody els how

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00:19:03.880 --> 00:19:07.720
many times are people gonna hear this
over and over? Never ever, ever,

271
00:19:07.880 --> 00:19:17.279
ever, ever buy a gift card
of any kind O. It's like

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00:19:17.440 --> 00:19:21.319
giving them good gas, basically,
it is. And there's nothing you're gonna

273
00:19:21.359 --> 00:19:23.599
do about it. It's just gone. Kim. I wish I could g

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00:19:23.920 --> 00:19:29.720
you could still go on to the
site right now today and go under www

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00:19:29.839 --> 00:19:33.599
dot Exactually, and I should have
caught this one too, which you should

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00:19:33.599 --> 00:19:38.799
have just been ticketmaster dot com.
Well this is ww dot the Ticketmaster.

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00:19:40.440 --> 00:19:42.559
Oh hold on, so give me
the site. I'm gonna play along with

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00:19:42.599 --> 00:19:51.240
this guy. It's www dot the
ticketmaster, that ticketmaster ninja dot com.

279
00:19:51.519 --> 00:19:55.079
Why the ticket Okay, well,
how the hell did you end up there?

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00:19:56.720 --> 00:19:59.799
Well? I ended up. I
don't know. I googled it.

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00:20:00.279 --> 00:20:04.640
Oh they paid for se Oh I
got it here, call now, refund

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00:20:04.720 --> 00:20:11.279
and rebooking now available for Man,
this looks legit. This looks legit,

283
00:20:11.440 --> 00:20:14.759
sister, this looks legit to me. I'm looking on here, and you

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00:20:14.799 --> 00:20:18.920
would think you're on ticket Master for
real, and then you call him,

285
00:20:18.119 --> 00:20:22.720
and then I'm gonna call him.
I'm gonna call him right now. Look

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00:20:22.680 --> 00:20:26.480
at I'm in California. Well what
part of California? California? They couldn't

287
00:20:26.480 --> 00:20:30.039
answer, what part? I'm like, where are you at? Uh?

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00:20:30.759 --> 00:20:34.759
Waitah wait, wait wait always allow
ticket Master? Oh man, okay,

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00:20:36.480 --> 00:20:38.240
I want to where's it? I
don't have it. Man, it's not

290
00:20:38.240 --> 00:20:41.000
given. You got to try to
buy it first and let your credit card

291
00:20:41.000 --> 00:20:44.119
decline. No, no, I
got the number here. I got to

292
00:20:44.200 --> 00:20:47.799
know you can do it just going
to the thak with the call button.

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00:20:49.359 --> 00:20:52.000
Oh my god, I see it. I got it right here. A

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00:20:52.000 --> 00:20:55.599
phone number you, yeah, I
got a phone on her. Okay you

295
00:20:55.640 --> 00:20:57.039
hold on, I mean not hold
on. I want you to listen.

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00:20:57.039 --> 00:21:02.000
I'm gonna I'm gonna have some fun
with the these jerks. They're ripping people

297
00:21:02.039 --> 00:21:03.759
off. Kim I'm gonna get the
word out. That's all I can do

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00:21:03.839 --> 00:21:12.079
for you. Man, I'm so
sorry to go with a sure thing Denver's

299
00:21:12.079 --> 00:21:17.440
Best roofer Excel Roofing dot Com.
You don't pay a cent until you're content.

300
00:21:19.799 --> 00:21:25.559
Time for an insurance check up free, no obligation comparison call Compass Insurance

301
00:21:25.720 --> 00:21:29.839
paying too much your coverage at dozens
of insurance companies find out now three all

302
00:21:29.880 --> 00:21:33.559
three seven to seven to one help. You'll think you're his only customer when

303
00:21:33.559 --> 00:21:37.319
you choose Frank durand the real estate
Man dot com to list your home with

304
00:21:37.440 --> 00:21:48.440
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino

305
00:21:48.519 --> 00:21:52.519
here three all three seven one three
talks seven one three eight two five five

306
00:21:52.960 --> 00:21:56.759
eight eight eight Heating dot Com continuing
where their free inspections, Take them up.

307
00:21:57.079 --> 00:22:00.759
Take them up on it, man, before things get rough. That's

308
00:22:00.799 --> 00:22:07.759
free inspection on acs and sewers and
plumbing and electrical. Really, it's no

309
00:22:07.839 --> 00:22:10.799
gimmick, an honest company. In
fact, if you need a replacement,

310
00:22:10.839 --> 00:22:14.960
they do high efficiency that keeps you
saving eight eight eight. Heating dot Com

311
00:22:14.960 --> 00:22:18.880
three oh three seven seven zero two
seven seven six Let's keep going here and

312
00:22:18.920 --> 00:22:22.039
see what we can do for you. All right, Now, what I'd

313
00:22:22.160 --> 00:22:27.839
like to do is, uh warn
people again in general, never ever,

314
00:22:29.200 --> 00:22:32.799
ever, ever, ever, ever
use gift cards for any kind of a

315
00:22:32.880 --> 00:22:37.799
purchase except at the store where the
gift card is. So Amazon for Amazon,

316
00:22:37.039 --> 00:22:41.880
eBay for eBay, Applebee's for Apple. Is there even such a thing

317
00:22:41.880 --> 00:22:45.279
as Applebe's anymore? I don't even
know. But anyway, Red Robin,

318
00:22:45.519 --> 00:22:48.640
Okay, but don't buy gift cards
and then give someone a number of the

319
00:22:48.640 --> 00:22:53.160
phone. Ever. There is never, ever, ever a legit reason to

320
00:22:53.200 --> 00:22:56.960
do it, ever. Larry,
Now, Larry, Larry, Larry,

321
00:22:57.000 --> 00:23:00.039
what's going on with you? Larry? Hey, Tom, I got a

322
00:23:00.119 --> 00:23:03.640
question for you. And yeah,
I don't know. I don't know where

323
00:23:03.640 --> 00:23:07.079
to go with this. So I've
listened to you for almost twenty five years.

324
00:23:07.559 --> 00:23:14.160
So here we are. My father
in law passed away in January,

325
00:23:14.359 --> 00:23:21.599
Okay, unfortunately, So he left
a house for my wife and myself and

326
00:23:21.640 --> 00:23:25.759
my sister in law. I thought
my sister in law was going to want

327
00:23:25.759 --> 00:23:27.720
to keep the house. It's an
amate way. So it's your sister in

328
00:23:27.799 --> 00:23:33.240
law and your brother, right,
No, my sister in law and my

329
00:23:33.279 --> 00:23:37.880
wife. Oh, it's it's their
their family. Yeah, okay, got

330
00:23:37.880 --> 00:23:40.440
it? Oh no, I get
it. Okay, so go ahead.

331
00:23:41.160 --> 00:23:45.799
I thought my in law was going
to want to keep the house. She

332
00:23:45.960 --> 00:23:52.000
had changed her mind and wants to
sell it or well, hold on,

333
00:23:52.279 --> 00:23:56.400
what does your wife want to do
with it? She wants to keep it,

334
00:23:56.839 --> 00:24:00.079
and what does she want to do
with it? She wants to keep

335
00:24:00.119 --> 00:24:04.880
it and maintainer, what rented out
or what? No, use it as

336
00:24:04.880 --> 00:24:08.519
a it's a mountain property, and
she wants to use it for our pleasure,

337
00:24:08.799 --> 00:24:15.279
for both, for both her sister
and herself. No, her sister

338
00:24:15.359 --> 00:24:18.920
wants to be bought out. No, I get that, but your sister,

339
00:24:18.160 --> 00:24:23.480
I mean your wife would want would
rather have both of them own it

340
00:24:23.880 --> 00:24:29.640
and use it. She's okay,
but you're well and your sister has a

341
00:24:29.720 --> 00:24:33.480
right to want to be bought out. Was there any kind of conditions to

342
00:24:33.519 --> 00:24:37.000
this inheritance? Was it fifty to
fifty? Do you have any idea how

343
00:24:37.000 --> 00:24:41.279
it was inherited? Yes, it
was in a revocable trust and it was

344
00:24:41.359 --> 00:24:45.079
fifty fifty. Got it? So
now you should buy her out? So

345
00:24:45.119 --> 00:24:51.119
what's the big deal? The question
I have is it's worth about a million

346
00:24:51.160 --> 00:24:52.559
and a half was this from Dad, by the way, or mom?

347
00:24:52.640 --> 00:24:57.440
Or both? It was from Dad? Okay, worth a million and a

348
00:24:57.480 --> 00:25:02.599
half? Got it? Yup?
Seven point fifty each? Yeah, I

349
00:25:02.599 --> 00:25:07.200
got it? And who says it's
worth a million and a half. We've

350
00:25:07.200 --> 00:25:11.680
had it appraise? Okay? Did
you have it a praise on the day

351
00:25:11.720 --> 00:25:17.400
of death? No? When did
you have it appraised? About two weeks

352
00:25:17.440 --> 00:25:22.079
ago? When was death? January
fifth? Okay, it's going to be

353
00:25:22.119 --> 00:25:26.599
about the same. Go ahead,
yep. So here's my issue. I

354
00:25:26.599 --> 00:25:32.200
would like to buy out my sister
in law. I would like to we're

355
00:25:32.240 --> 00:25:36.720
looking at tax mitigation here. So
in the state of Colorado or any state

356
00:25:36.759 --> 00:25:41.720
in the country. I assume there's
no gain. There's no gain for anyone,

357
00:25:41.759 --> 00:25:44.559
and there's no Here's what happens.
Can I explain this to you?

358
00:25:45.319 --> 00:25:49.720
Yes? Please? The basis of
that house is one point five all right,

359
00:25:51.799 --> 00:25:55.359
because they got it on day of
death, it's one point five or

360
00:25:55.400 --> 00:25:57.559
when he put it in the trust, so it's one point five. They

361
00:25:57.559 --> 00:26:03.640
don't inherit his basis. They have
a new basis one point five. Now,

362
00:26:03.240 --> 00:26:07.440
if your wife sells half of it, there is no gain to her.

363
00:26:08.519 --> 00:26:15.119
Okay, that's it. Now her
basis goes from seven point fifty to

364
00:26:15.200 --> 00:26:22.160
one point five again, Okay,
so when she goes to sell it,

365
00:26:22.559 --> 00:26:30.880
her basis will be one point five. Excellent, now, and I want

366
00:26:30.920 --> 00:26:34.559
you to check double check. We
don't really have to, but in fact

367
00:26:34.720 --> 00:26:38.400
I'm going to anyway, because my
god, why shouldn't we You called,

368
00:26:40.640 --> 00:26:47.079
let's get uh, can you get
mackenzie on Dan, let's have mcken and

369
00:26:47.119 --> 00:26:48.160
if not, we'll go to Kieling
Park. Either one of them. They

370
00:26:48.160 --> 00:26:52.799
are great people. So but that's
my gut is there's no gain on any

371
00:26:52.839 --> 00:26:57.119
transaction, no taxable event, and
that her basis goes to one point five.

372
00:26:57.519 --> 00:27:02.319
Is that what you were concerned about? Yes. My other concern is

373
00:27:02.440 --> 00:27:06.720
if I if I buy out my
sister in law over three payments, so

374
00:27:06.920 --> 00:27:10.640
a payment this year, a payment
year two, payment year three that has

375
00:27:10.720 --> 00:27:15.559
no relevance on the through a premissory
note that is no relevance on the on

376
00:27:15.640 --> 00:27:18.799
the taxes. She's going to sign
it over immediately. Is that right?

377
00:27:19.680 --> 00:27:22.720
Yes, with a and you're going
to do a deed of trust? Is

378
00:27:22.759 --> 00:27:27.359
that correct? Exactly? Then it's
just like having a mortgage. So your

379
00:27:27.480 --> 00:27:33.400
question is this, what if I
inherited a home and I went out and

380
00:27:33.440 --> 00:27:36.680
put a mortgage on it. Would
I pay tax on that mortgage? Of

381
00:27:36.680 --> 00:27:44.160
course not, That's what I was. That's borrowed money. It's borrowed money.

382
00:27:44.160 --> 00:27:47.160
Correct, So you are, in
essence putting a loan on that house

383
00:27:47.200 --> 00:27:52.319
to pay her off. Yep.
Yeah, Now I'm going to double check

384
00:27:52.359 --> 00:27:53.680
all of this. If you have
patients, hold on and we'll do that.

385
00:27:53.759 --> 00:27:57.519
Okay, just hang on and we'll
double check all of it. Probit

386
00:27:57.680 --> 00:28:03.680
Energy, probit Energy dot com,
Mark Kunkle. We have a question on

387
00:28:04.440 --> 00:28:08.240
the text and it is a very
simple one, and that is when you

388
00:28:08.279 --> 00:28:15.519
go to uh A commercial property.
They heard me talk about the other company

389
00:28:15.559 --> 00:28:18.279
I endorsed as well, you guys
are great, great too. I mean

390
00:28:18.319 --> 00:28:22.440
I have I have two really good
solar companies. They heard me talk about

391
00:28:22.480 --> 00:28:26.400
incentives for businesses where you can pretty
much get the damn thing paid for pretty

392
00:28:26.480 --> 00:28:33.200
much. Yeah, between federal tax
incentive, tax depreciation, and then Excel

393
00:28:33.480 --> 00:28:37.200
if you're an Excel area, they
have r e c S renewable energy credits

394
00:28:37.200 --> 00:28:41.640
that basically push you in a position
where you're you're getting your system paid for.

395
00:28:42.759 --> 00:28:45.680
And we know we have a gre
are grants available tour. Is that

396
00:28:45.720 --> 00:28:49.839
what you're talking they're different grants,
that's different the agricultural benefit things. There's

397
00:28:49.839 --> 00:28:52.799
a lot oh yeah, yeah,
yeah, but you have to have somebody

398
00:28:52.799 --> 00:28:55.240
who knows how to write those.
Yes, you do. You guys have

399
00:28:55.279 --> 00:28:56.880
a grant writer. You've worked.
We don't, We don't. You should

400
00:28:56.920 --> 00:29:00.880
try to find one for the oral
people. But right now you're concentrating on

401
00:29:00.000 --> 00:29:04.640
urban areas anyway. Yeah, in
the commercial landscape right now is a great

402
00:29:04.680 --> 00:29:08.759
opportunity because Denver is asking everyone to
electrify. Yeah. Well, when they

403
00:29:08.799 --> 00:29:12.480
electrify their building, they're going to
use more electricize of course electricity. Yeah,

404
00:29:12.519 --> 00:29:15.480
well they should offset that with solar. And if they do it now,

405
00:29:15.640 --> 00:29:18.680
they're going to have an opportunity to
essentially get it paid for. Right.

406
00:29:19.039 --> 00:29:22.359
We do free assessments on commercial buildings. We drone it, do a

407
00:29:22.400 --> 00:29:29.119
design and come up with a proposal
and a financial plan for peop Dan McKenzie's

408
00:29:29.160 --> 00:29:30.400
online. I want to take him
before I go to break real quick here,

409
00:29:30.480 --> 00:29:37.160
Dan, thank you for being here, sir, an estate planning attorney.

410
00:29:37.240 --> 00:29:44.359
McKenzie Law eight three three co Plans
is his number. So here's the

411
00:29:44.440 --> 00:29:49.559
scenario. Two sisters inherit a house
from their dad day of death value one

412
00:29:49.599 --> 00:29:56.480
point five million. Okay, the
one sister wants to be bought out is

413
00:29:56.559 --> 00:30:03.799
sister number one pays all off sister
number two the seven fifty Sister number two

414
00:30:03.839 --> 00:30:07.079
doesn't have a gain. I take
it because she had half of that basis

415
00:30:07.440 --> 00:30:11.720
and then sister number one ups her
basis to the full one point five Is

416
00:30:11.759 --> 00:30:18.599
that right? Yeah? Let's see
here, because yes, because she would

417
00:30:18.599 --> 00:30:22.079
have just done the purchase right right. Well, so if it's one point

418
00:30:22.119 --> 00:30:26.559
five going in and she buys her
sister out for seven fifty, her sister

419
00:30:27.200 --> 00:30:33.319
did not make a gain, correct, and she now has the bigger gain

420
00:30:34.359 --> 00:30:40.039
and not many the basis bigger basis
I'm sorry, Yeah, yes, okay,

421
00:30:40.079 --> 00:30:42.599
Now, next question, and that
doesn't matter if she takes a loan

422
00:30:42.640 --> 00:30:48.160
out to pay the sister or makes
payments to the sister that has no ramification

423
00:30:48.279 --> 00:30:52.680
on it. Correct. Good.
Now I want to I want to ask

424
00:30:52.799 --> 00:30:56.680
Larry, do you have any other
questions for Dan mackenzie, because he's pretty

425
00:30:56.759 --> 00:31:00.480
much a genius, you know what
I do. I'd love to have Dan's

426
00:31:00.559 --> 00:31:07.039
number, Yes, eight three three
co plans and by the way, he

427
00:31:07.200 --> 00:31:11.519
is in Colorado. That's a total
free number, but you know it's it's

428
00:31:11.640 --> 00:31:15.000
a three three co plans. Go
to the website coeoplans dot co and he

429
00:31:15.079 --> 00:31:22.400
can take care of you man.
Thank you, Dan McKenzie. Go with

430
00:31:22.480 --> 00:31:26.680
a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a

431
00:31:26.759 --> 00:31:34.680
cent until you're content. Time for
an insurance checkup free, no obligation comparison

432
00:31:34.799 --> 00:31:40.920
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

433
00:31:40.920 --> 00:31:44.039
now three O three seven to seven
to one help. You'll think you're his

434
00:31:44.200 --> 00:31:48.160
only customer when you choose Frank durand
the real estate Man dot com to list

435
00:31:48.200 --> 00:31:52.640
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

436
00:32:00.359 --> 00:32:05.319
Hi Tom Martino, you're troubleshooter three
oh three seven one three talk to three

437
00:32:05.359 --> 00:32:10.359
seven one three eight two five five. Welcome to the show. Probid Energy

438
00:32:10.440 --> 00:32:13.960
dot com is with us as well
if you have any questions on solo.

439
00:32:14.200 --> 00:32:19.160
Right now, Ben wants to talk
about an issue with taxes and a CPA.

440
00:32:19.680 --> 00:32:25.279
Hey man, what's going on?
Are you there? Ben? You

441
00:32:25.319 --> 00:32:30.799
know line one is giving us trouble? Hey Ben? Yep I can't.

442
00:32:31.119 --> 00:32:36.279
Hey, man, what's going on? Hey? How's going good? What's

443
00:32:36.319 --> 00:32:42.440
going on? Hello? I'm here
Ben? Can you hear me? Oh?

444
00:32:42.519 --> 00:32:45.119
Yeah, yeah, I'm here.
All right? So yeah, I

445
00:32:45.279 --> 00:32:51.039
was Uh. I was calling because
I had started a business with the CPA

446
00:32:51.200 --> 00:32:57.400
back in twenty twenty. Okay,
yeah, Now what when you say you

447
00:32:57.440 --> 00:33:01.759
started a business in two twenty,
A CPA meaning the CPA did it for

448
00:33:01.839 --> 00:33:07.960
you? Yeah, I started business
with her for my business. Okay,

449
00:33:07.000 --> 00:33:12.079
but you used her as a professional
or did she go into business with you?

450
00:33:13.279 --> 00:33:15.359
I used her as a professor?
Got it? I got it.

451
00:33:15.400 --> 00:33:20.519
You started a business and you use
the CPA. Go ahead, Okay,

452
00:33:20.599 --> 00:33:24.960
Well we have started our deal,
which was we And the bad part is

453
00:33:25.000 --> 00:33:29.680
I never made no contracts, so
I don't know that, kid are what

454
00:33:29.720 --> 00:33:31.640
we could do about that? But
anyways, I started my deal with her,

455
00:33:31.799 --> 00:33:37.920
and when we first started, she
told me she'd have four years of

456
00:33:37.079 --> 00:33:40.799
taxes done for me. And because
I gave her all the numbers, I

457
00:33:40.839 --> 00:33:44.160
had it all up myself and I
gave her all the numbers. Wait,

458
00:33:44.200 --> 00:33:47.599
so you didn't do when you started
in twenty twenty, you didn't do the

459
00:33:47.640 --> 00:33:52.880
twenty twenty tax here in twenty twenty
one or the twenty twenty one tax here

460
00:33:52.920 --> 00:33:57.759
in twenty twenty two, you didn't
do normal filings. No, I did

461
00:33:57.799 --> 00:34:04.200
not. I was. I was
one year behind, and she was planning

462
00:34:04.279 --> 00:34:07.880
to go back all the way to
two thousand and seventeen and redo them all

463
00:34:07.920 --> 00:34:14.159
for me because they were why twenty
seventeen, why twenty seventeen of the business

464
00:34:14.239 --> 00:34:22.239
started in twenty twenty the business I
started business with her in twenty twenty.

465
00:34:22.360 --> 00:34:27.039
I started my business in twenty and
nineteen. Gotcha, she wanted she wanted

466
00:34:27.079 --> 00:34:31.760
to go back to two thousand and
seventeen and redoing my taxes because she said

467
00:34:31.760 --> 00:34:35.920
they weren't done right by H and
R Block. Okay, So anyway,

468
00:34:36.280 --> 00:34:40.719
so what is the problem today,
Well, the problem today is she had

469
00:34:43.079 --> 00:34:45.920
she had takes. She told me
pay her one thousand dollars and three months

470
00:34:45.960 --> 00:34:52.199
she'd have them done. How much
one thousand dollars? All right, hold

471
00:34:52.239 --> 00:34:53.320
on, I'll come right back to
you, Ben, don't go away,

472
00:34:53.480 --> 00:34:58.360
please, three oh three seven one
three talks seven one three eight two five

473
00:34:58.400 --> 00:35:01.079
five. We got more coming up
on the Trouble Shooter show. Brand Afterday

474
00:35:07.639 --> 00:35:12.679
Go with a Sure Thing, Denver's
Best Roofer Excel roofing dot com. You

475
00:35:12.719 --> 00:35:19.400
don't pay a cent until you're content. Leave time for an insurance check up

476
00:35:19.480 --> 00:35:23.360
free, no obligation. Comparison call
Compass Insurance. Pay too much your coverage

477
00:35:23.360 --> 00:35:28.239
at dozens of insurance companies find out
now three oh three seven seven to one

478
00:35:28.320 --> 00:35:31.000
help. You'll think you're his only
customer when you choose Frank durand the real

479
00:35:31.079 --> 00:35:36.639
estate Man dot com to list your
home with Remax Alliance three oh three nine

480
00:35:36.679 --> 00:35:52.599
two zero sixteen twenty two ript news
need you don't have come, run as

481
00:35:52.679 --> 00:35:59.920
fast as the cam. No Shooter's
gonna help come. This is the troubles

482
00:36:00.000 --> 00:36:05.920
Shooter Show. No Tom Martino,
Hi Tom Martino, You're a troubleshooter.

483
00:36:06.000 --> 00:36:09.159
Three oh three seven one three talk
seven one three eight two five five.

484
00:36:09.519 --> 00:36:13.880
You know we have a lot of
discussions behind the scenes that I should let

485
00:36:13.920 --> 00:36:16.079
you in on from time to time. Otherwise, just my YouTube morons get

486
00:36:16.119 --> 00:36:20.599
to hear it. And uh,
I love my YouTube morons, but I

487
00:36:20.599 --> 00:36:24.199
don't think anyway. Here's what I
Here's what I wanted to say. I

488
00:36:24.280 --> 00:36:28.800
was saying that I don't think there
was a victim in the so called crime

489
00:36:28.880 --> 00:36:32.519
Trump did in Manhattan. And by
the way, for the record, I'm

490
00:36:32.559 --> 00:36:37.840
not making a political statement. I
would say this, if Biden did it,

491
00:36:37.840 --> 00:36:42.599
it doesn't matter. It wasn't a
crime as far as cheating anyone.

492
00:36:42.800 --> 00:36:46.280
There were no victims. Even the
bank said we looked at his financial statement

493
00:36:46.800 --> 00:36:54.079
and accepted it. Yeah. So
if think about this, folks, do

494
00:36:54.199 --> 00:36:58.400
you know when you put up a
financial statement, have you ever done that?

495
00:36:58.480 --> 00:37:00.880
Mark, have you ever had to
give a financial statement? Well?

496
00:37:00.960 --> 00:37:06.159
Yeah, of course, Well,
okay if you exaggerated on that, Like,

497
00:37:06.199 --> 00:37:08.800
for example, anybody that's ever got
a mortgage puts up a financial statement,

498
00:37:08.880 --> 00:37:12.119
Well, no, you feet an
application. How much you're in your

499
00:37:12.119 --> 00:37:15.599
bank accounts, what stocks now own
that, what mar equity do you have

500
00:37:15.760 --> 00:37:22.320
in other properties. I'm talking about
a financial statement of assets and liabilities and

501
00:37:22.920 --> 00:37:27.159
current liabilities long term line. It's
an actual two pay it's a it's a

502
00:37:27.239 --> 00:37:30.039
side by side column and it comes
up with a net worth. People don't

503
00:37:30.039 --> 00:37:34.239
do that for a mortgage, Okay, they put down all of their financial

504
00:37:34.280 --> 00:37:37.119
information. Yes, and you can't
lie about how much in the bank and

505
00:37:37.159 --> 00:37:39.760
all that. That's true. But
I'm talking about a financial statement. A

506
00:37:39.800 --> 00:37:45.280
financial statement is done by business people
who do all kinds of stuff and it

507
00:37:45.360 --> 00:37:50.039
shows you. It's supposed to show
your credit worthiness. Now, a financial

508
00:37:50.119 --> 00:37:55.239
statement is not an application. You
do an application plus a financial statement.

509
00:37:55.400 --> 00:38:00.719
I know this because I've done it
for fourteen eighteen commercial deals, and that's

510
00:38:00.760 --> 00:38:05.519
what you do. In the financial
statement. They asked things like, you

511
00:38:05.559 --> 00:38:07.519
want to you put down your vehicles. Then you put down your loans,

512
00:38:07.840 --> 00:38:12.119
you put down your house, you
put down your loan, you put down

513
00:38:12.159 --> 00:38:15.760
whatever else you own. People own
horses, people own art, people own

514
00:38:15.840 --> 00:38:21.599
whatever. It's on your financials.
What New York is saying is not that

515
00:38:21.719 --> 00:38:25.119
he exaggerated the price of the property
of which he got a loan. They're

516
00:38:25.199 --> 00:38:32.800
saying he got preferential interest rates on
it because of his financial statement. They

517
00:38:32.840 --> 00:38:37.599
were going after his financial statement.
There is no one in the world.

518
00:38:38.360 --> 00:38:44.440
If I look at your financial statement, there's not one person in the world

519
00:38:45.599 --> 00:38:49.400
that is one hundred percent accurate.
Is it a crime? According to New

520
00:38:49.480 --> 00:38:52.360
York, it's a crime. I'd
like to know more about their law.

521
00:38:52.400 --> 00:38:55.800
By the way that they have on
the books, supposedly that says you can't

522
00:38:55.880 --> 00:39:01.719
overvalue property. But in any case, here's the bottom line. I think

523
00:39:02.119 --> 00:39:07.760
it's unbelievable to me that he was
prosecuted for that, and I think that

524
00:39:07.880 --> 00:39:14.159
should be really frightening for anyone.
Anyone. Well, it's the amount that's

525
00:39:14.239 --> 00:39:20.320
really frightening. How do they figure
when the banks themselves said we did not

526
00:39:20.639 --> 00:39:24.519
lose money. Well, no one's
arguing there's no victims. That's not even

527
00:39:24.559 --> 00:39:28.320
it. They're saying he broke the
law and it's a fine. You can

528
00:39:28.400 --> 00:39:34.519
be speeding on the highway and get
a ticket without having any victims. Okay,

529
00:39:34.559 --> 00:39:37.599
now let's talk to deputy doc who
has a number of cases. Go

530
00:39:37.639 --> 00:39:40.920
ahead, Dot, what's going on? Hey, Tom remb you told me

531
00:39:42.000 --> 00:39:50.039
to call Crystal about the the dumpster. Oh yeah, so I just wanted

532
00:39:50.039 --> 00:39:52.119
to Here's what I wanted you to
do. I just wanted you to touch

533
00:39:52.239 --> 00:39:58.199
base with that guy that rented to
the contractor to see we could track down

534
00:39:58.199 --> 00:40:06.159
that contractor. There were two roommates. Brad was the roommate of Andrew.

535
00:40:06.559 --> 00:40:09.920
We got in touch with Brad and
he says he's in marketing. He never

536
00:40:10.000 --> 00:40:15.679
had any garbage except for two trash
bags that he left on the driveway.

537
00:40:15.000 --> 00:40:20.320
He had no construction materials and he
never put it in dumpster. So we're

538
00:40:20.320 --> 00:40:22.679
trying to get in touch with it. Uh with Andrew, who was the

539
00:40:22.679 --> 00:40:25.519
owner of the apartment. Do you
believe Brad? Do you believe? You

540
00:40:25.599 --> 00:40:29.559
do believe Brad? Right? Yeah, I do? Okay, good?

541
00:40:30.840 --> 00:40:36.320
And then you know Emily, Emily
had a problem with a computer between packed,

542
00:40:36.599 --> 00:40:38.760
HP and Best Buying, they're going
back and forth. Now this is

543
00:40:38.800 --> 00:40:42.559
a new problem, right, doc, Oh, this is from a couple

544
00:40:42.599 --> 00:40:45.960
of weeks ago. She had a
problem with her with her computer. And

545
00:40:45.000 --> 00:40:52.800
what happened? Emily? Yeah,
okay, go ahead with usual finger pointing

546
00:40:52.199 --> 00:40:58.719
Best Buys pointing at HP. HP
is pointing at best Buy. So I

547
00:40:58.760 --> 00:41:01.320
tried, Oh, I remember that. So, but doesn't she have a

548
00:41:01.559 --> 00:41:08.360
don't they have a return policy at
best Buy? They're they're saying that they

549
00:41:08.440 --> 00:41:15.320
need they need an email from HP
saying that they will cover the expense.

550
00:41:15.920 --> 00:41:21.159
She has a letter from HP,
but best Buy won't accept the letter.

551
00:41:21.480 --> 00:41:30.159
They need an electronic confirmation with a
number. So Emily just found out an

552
00:41:30.239 --> 00:41:34.039
email that we can send the corporate
and try and get this figured out.

553
00:41:34.440 --> 00:41:37.360
So I'm trying to do why do
they need I don't understand if they have

554
00:41:37.400 --> 00:41:44.719
a return policy, why do they
even at me? They don't know I

555
00:41:44.800 --> 00:41:49.039
spoke to you know, they's just
mutual finger points. This is not the

556
00:41:49.079 --> 00:41:52.880
same Emily who's a student at see
you right. I believe it might be.

557
00:41:53.079 --> 00:41:58.159
I don't remember Tom. Okay,
but she sounds like she's young.

558
00:41:58.599 --> 00:42:01.760
Yeah. So I finally got an
email for a corporate So we're going to

559
00:42:01.760 --> 00:42:07.840
send an emails this afternoon and I
will let you know what happens. Thank

560
00:42:07.880 --> 00:42:10.079
you. We'll see if she gets
what she has coming. Do you have

561
00:42:10.079 --> 00:42:15.559
any other cases? Yeah? But
nothing, Uh okay, just in the

562
00:42:15.639 --> 00:42:20.280
middle of them. But thank you. Deputy Doc working from home today,

563
00:42:21.599 --> 00:42:27.280
okay, Robert, he wants to
talk about Hoa's rules. Speaking of Hoa's

564
00:42:27.760 --> 00:42:31.840
I wanted to ask about that when
it comes to solar from our conco of

565
00:42:31.920 --> 00:42:37.039
pro bid. Right after this question
with Robert, I want to ask about

566
00:42:37.039 --> 00:42:40.440
the rules because we've gotten a few
increase about people and the way I understood

567
00:42:40.440 --> 00:42:43.719
it, the HA can't stand her
in the way. But we'll talk about

568
00:42:43.760 --> 00:42:50.760
that, Robert. What's going on? There you go? Robert? I'm

569
00:42:50.760 --> 00:42:53.039
sorry, there you go? Bro
I got you now? Oh can you

570
00:42:53.079 --> 00:42:58.119
hear me now? Yes, sir, So, I got some questions on

571
00:42:58.199 --> 00:43:04.079
an HOA I live down here and
sothern Colorado up southwest Alamosa, And technically

572
00:43:04.159 --> 00:43:07.320
I guess it's really called a property
owners association, but I imagine them.

573
00:43:07.480 --> 00:43:12.159
Yeah, Now what kind of property
is it? Are they single family homes?

574
00:43:13.639 --> 00:43:16.840
So what this is is they're all
individual one acre lots and there's about

575
00:43:16.920 --> 00:43:22.159
ninety eight of them down here,
and I own two of them. But

576
00:43:22.599 --> 00:43:25.039
there's only a couple houses out here. So most people that own places down

577
00:43:25.039 --> 00:43:28.599
here, they're out of staters.
Nobody really living, right, So what

578
00:43:28.719 --> 00:43:32.719
is your issue with the HOA?
So my issue is is I'm just trying

579
00:43:32.760 --> 00:43:40.119
to get information up front from you
on what my rights are from Colorado's laws

580
00:43:40.119 --> 00:43:45.119
in requesting, for example, the
laws by laws, rules and regulations.

581
00:43:45.119 --> 00:43:49.679
Okay, because when I bought this
house, I got some rules and regulations,

582
00:43:49.679 --> 00:43:52.480
and then the HOA president lives out
here. I live out here,

583
00:43:52.480 --> 00:43:57.239
and only one other guy lives out
Okay. They have to provide you information

584
00:43:57.760 --> 00:44:00.880
and they can charge you for that
if you hold on. What I'd like

585
00:44:01.000 --> 00:44:06.519
to do is get stand the HOA
man on. Okay, hold on,

586
00:44:06.599 --> 00:44:09.519
he's one of our deputies that helps
us out with HA matters. Let's ask

587
00:44:09.599 --> 00:44:15.480
Kim three oh three seven to one
three talk seven one three A two five

588
00:44:15.639 --> 00:44:20.000
five. Welcome to the show on
Tom Martinez. Get your calls in and

589
00:44:20.119 --> 00:44:24.480
don't forget Genesis Total Exteriors. They
are now in full swing for spring for

590
00:44:24.599 --> 00:44:36.639
all your exterior maintenance and repairs and
replacements Genesistotalexteriors dot com. Go with a

591
00:44:36.679 --> 00:44:40.039
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

592
00:44:40.239 --> 00:44:47.119
until you're content. Time for an
insurance checkup free, no obligation. In

593
00:44:47.159 --> 00:44:52.440
comparison, call Compass Insurance paying too
much your coverage at dozens of insurance companies

594
00:44:52.519 --> 00:44:55.519
find out now three oh three,
seven to seven to one help. You'll

595
00:44:55.559 --> 00:45:00.400
think you're his only customer when you
choose Frank durand the real estate Man dot

596
00:45:00.400 --> 00:45:05.119
com to list your home with Remax
Alliance three oh three nine two zero sixteen

597
00:45:05.199 --> 00:45:10.360
twenty two. Hi Tom Martino here
at three three seven one three talk seven

598
00:45:10.400 --> 00:45:19.000
one three eight two five five.
Premiere Window Cleaning and window Washing, window

599
00:45:19.039 --> 00:45:22.639
cleaning and UH pressure washing. I
should say Premiere, good guys. In

600
00:45:22.719 --> 00:45:28.239
fact they are helping UH they do
it great. All I can say is

601
00:45:28.239 --> 00:45:31.280
they do a great job. And
if you want honest people to do your

602
00:45:31.320 --> 00:45:35.920
windows. Go to Premiere. Let
me just give you that number real quick.

603
00:45:36.599 --> 00:45:40.440
They do your windows and pressure washing. Seven to zero nine five three

604
00:45:40.559 --> 00:45:46.079
zero zero seven eight trust Premiere.
Window dot com is the website. So

605
00:45:49.440 --> 00:45:54.480
Mark gave me the law. He
sent me the law, and it it

606
00:45:54.760 --> 00:46:00.719
absolutely has I am shocked because I
didn't know about this law. And what

607
00:46:00.840 --> 00:46:08.320
it says is, basically, it
is illegal to put or utter any false

608
00:46:08.360 --> 00:46:15.199
statement on a financial statement. Now
what they mean is anything like value your

609
00:46:15.239 --> 00:46:21.920
ability to repay. It's a very
simple law. But I can't believe that

610
00:46:21.960 --> 00:46:24.039
there's a law like that. And
it was in way before Trump, so

611
00:46:24.079 --> 00:46:28.840
they didn't make this law to go
after him. But it says under the

612
00:46:28.920 --> 00:46:32.559
law in the York, a person
is guilty of issuing a false financial statement.

613
00:46:34.400 --> 00:46:37.519
Now that's not an application, you
see. They're not accusing him of

614
00:46:37.639 --> 00:46:42.480
falsifying a building that he got a
loan on. It's like if you went

615
00:46:42.559 --> 00:46:45.800
to get a loan on a house
and said your house was worth a million

616
00:46:45.920 --> 00:46:50.599
dollars and it's worth one hundred thousand. That is fraud, right, you

617
00:46:50.639 --> 00:46:53.719
get a bigger loan than you should, but there's an appraisal. They're not

618
00:46:53.760 --> 00:46:59.360
accusing him of that. They're saying
his private financial statement that he gives to

619
00:46:59.400 --> 00:47:04.039
the bank ones that we give to
banks. It's between him and the bank.

620
00:47:04.079 --> 00:47:09.400
But in New York they say,
if you give this statement to anyone,

621
00:47:09.639 --> 00:47:14.679
and it says with the intent to
defraud, So this judge had to

622
00:47:14.719 --> 00:47:20.760
figure that not only did he give
that statement, but he intended to defraud.

623
00:47:20.840 --> 00:47:23.000
But he's a left wing kook.
Yeah, And then it says,

624
00:47:23.559 --> 00:47:30.519
so it says any instrument or article, computer data, or computer program containing

625
00:47:30.679 --> 00:47:36.559
printed matter, or the equivalent used
for the purpose of reciting, embodying,

626
00:47:36.639 --> 00:47:40.719
conveying, recording information, or consulting
a symbol of evidence of value. So

627
00:47:42.280 --> 00:47:45.840
basically they're saying, when you give
a financial statement, it better be exact.

628
00:47:46.199 --> 00:47:52.480
I'm telling you now. Obviously,
when it says with the intent to

629
00:47:52.599 --> 00:47:57.639
defraud, it's even funnier it since
real estate that's what they went after him

630
00:47:57.639 --> 00:48:00.159
for. How do you generally value
real estate? You value it when it

631
00:48:00.280 --> 00:48:04.800
sells, and if it didn't sell, who's to say what it was worth

632
00:48:05.039 --> 00:48:08.760
or what it wasn't worth. That's
right, So I guess the DA went

633
00:48:08.800 --> 00:48:15.280
out or over the Attorney General went
out and appraise these properties, yeah,

634
00:48:15.320 --> 00:48:20.199
going back how many years? So
they appraise him in reverse. So they

635
00:48:20.199 --> 00:48:22.840
said Mari a Lago at the time
was only worth whatever it was. Yeah,

636
00:48:22.880 --> 00:48:27.079
and once again, how would anybody
ever be able to do that?

637
00:48:27.480 --> 00:48:30.000
How many comps are there for Mari
Largo or whatever it is? The point

638
00:48:30.119 --> 00:48:35.480
is this, like how many comps
were an intent to defraud? What the

639
00:48:35.559 --> 00:48:40.599
banks even said? He did not
get a preferential interest rate and some of

640
00:48:40.639 --> 00:48:45.920
the properties were actually drastically undervalued,
probably on accident. I don't know,

641
00:48:45.320 --> 00:48:49.599
I honest to god. You know, people, no matter how much you

642
00:48:49.639 --> 00:48:53.880
hate Trump, this is wrong.
It's so freaking wrong. Now Robert's waiting

643
00:48:53.920 --> 00:48:59.440
for a stanyhoa man is not responding
right now, Robert, will they hold

644
00:48:59.440 --> 00:49:04.599
a few minutes because I really believe
you do have a right for all that

645
00:49:04.679 --> 00:49:08.480
information. Okay, stan has said
that numerous times. They can. He

646
00:49:08.639 --> 00:49:12.559
has to do something to get it. The problem is it's one of these

647
00:49:12.599 --> 00:49:16.960
deals that passed in our state where
they're supposed to give the information, but

648
00:49:17.039 --> 00:49:21.440
if they don't, there's no remedy. It's just like the hospital bills.

649
00:49:21.440 --> 00:49:24.320
The FED said you got to post
everything in the hospital. How much it

650
00:49:24.360 --> 00:49:28.639
costs and X rays this much.
But if they don't post it, which

651
00:49:28.719 --> 00:49:31.360
none of them do, nothing happens. So who cares about the rules.

652
00:49:32.760 --> 00:49:39.119
Okay, so there is I'm looking
up this law Colorado. Listen to this,

653
00:49:39.280 --> 00:49:47.079
Robert Colorado requires in their HOI laws. I'm gonna I don't have to

654
00:49:47.199 --> 00:49:52.639
quote the number, but it says
here to make documents and records and budgets

655
00:49:52.719 --> 00:50:00.679
available to the homeowners upon request.
That's governing declarations bylaws, rules, regulations,

656
00:50:00.920 --> 00:50:07.400
covenants, meeting minutes, financial records, and contracts. It says,

657
00:50:07.480 --> 00:50:14.480
though you absolutely have a positive right
to do this, and they can charge

658
00:50:14.480 --> 00:50:16.840
you. That's right. In fact, we had one about two weeks ago.

659
00:50:17.440 --> 00:50:22.960
They she quoted. It was a
she she quoted exactly what you're looking

660
00:50:22.000 --> 00:50:24.760
at and went to them and you
know what, they said, No problem,

661
00:50:24.800 --> 00:50:30.880
that'll be four thousand dollars. Remember
that call. Now, listen,

662
00:50:31.280 --> 00:50:36.960
I think that goes Okay, that
goes against what they call the spirit of

663
00:50:37.039 --> 00:50:39.400
the law and would be, in
my opinion, considered unconscious. Then what's

664
00:50:39.440 --> 00:50:44.119
the remedy when it's unconscionable? I'll
go right down that road with you got

665
00:50:44.119 --> 00:50:46.679
to assume them and then what happens
though, the judge says, okay,

666
00:50:46.880 --> 00:50:51.400
it's unconscionable. And then what then
they say, okay, one thousand,

667
00:50:51.440 --> 00:50:54.840
here's your paperwork. Well, there's
got to be a the judge would probably

668
00:50:54.880 --> 00:51:00.519
set a price. They probably would
in that case. My whole point is

669
00:51:00.960 --> 00:51:04.440
you've got to take them up.
No, it would take way more than

670
00:51:04.480 --> 00:51:07.480
four I get that, Mark,
I get that. We confront that every

671
00:51:07.559 --> 00:51:13.280
single day. It sucks, man, But why may I ask the law

672
00:51:13.320 --> 00:51:17.079
in general when there's no real enforcement. I've always said there should be enforcement

673
00:51:17.239 --> 00:51:22.679
of HOA stuff. There should be
not just the law, but enforcement to

674
00:51:22.840 --> 00:51:25.199
find those asses. You know,
it's I mean, find the person,

675
00:51:25.239 --> 00:51:29.960
but not not the HA, because
then all the homeowners supper. You find

676
00:51:30.079 --> 00:51:35.280
the management company, or you find
the HA. And now this poor guy,

677
00:51:35.320 --> 00:51:37.280
if he did sue him over this
to get it, he's gonna be

678
00:51:37.320 --> 00:51:42.599
paying both sides. That's the best
part. He's gonna hire his own attorney

679
00:51:42.760 --> 00:51:46.199
and then he's gonna pay for a
chunk of their attorney exactly. And I'm

680
00:51:46.239 --> 00:51:51.320
trying to avoid being the paying for
both lawyers. I think you just take

681
00:51:51.360 --> 00:51:53.719
over the damn board. You figure
out what the bylaws are and you got

682
00:51:53.719 --> 00:51:57.800
to go in there and change stuff
yourself. I mean, wouldn't you agree,

683
00:51:57.840 --> 00:52:00.320
Tom, that's the best way to
do it. Yeah, And I'm

684
00:52:00.320 --> 00:52:04.440
working to get on the board.
Now, listen, Robert, did you

685
00:52:04.639 --> 00:52:07.239
actually hold on? Did you actually
make a request? They turned you down?

686
00:52:08.960 --> 00:52:12.920
Well, yes they did. How
did they turn you down? Robert?

687
00:52:12.960 --> 00:52:15.719
I want to know exactly what you
asked for. So what I asked

688
00:52:15.719 --> 00:52:19.559
for is because he was referencing the
president lives out here. I live out

689
00:52:19.559 --> 00:52:22.639
here. He was referencing all these
rules and regulations. So I'm checking my

690
00:52:22.800 --> 00:52:25.039
bylaws that I was given when I
bought the house. All I want to

691
00:52:25.079 --> 00:52:29.239
know. No, No, I
listen, Robert, please, I don't

692
00:52:29.239 --> 00:52:31.599
want to clutter this conversation. Here's
what I'm going to ask you. What

693
00:52:31.800 --> 00:52:37.880
did you request? I request all
of the rules, regulations, laws and

694
00:52:37.880 --> 00:52:42.519
by laws that are up to date. What did they say? They sent

695
00:52:42.639 --> 00:52:46.119
me to the secretary. Yeas secretary
says he doesn't have them, Okay,

696
00:52:46.119 --> 00:52:52.280
then what and and and that's not
refusing you, that's saying we don't have

697
00:52:52.360 --> 00:52:55.880
it. What else? Well?
When the Well that's the issue is how

698
00:52:55.920 --> 00:53:00.360
can they not how can they hold
me to the rules and regulation when they

699
00:53:00.400 --> 00:53:01.920
can't give me a copy of the
rules. Hold on that that that you

700
00:53:02.039 --> 00:53:05.880
got some validity there. But here's
what I want to know. Did you

701
00:53:06.000 --> 00:53:08.880
do this as a result of some
kind of conflict with them? Are they

702
00:53:09.639 --> 00:53:14.880
fining you? Or did they send
you a letter about something? Not yet.

703
00:53:14.920 --> 00:53:16.480
But what I'm going to be doing
is upgrading the house. And there

704
00:53:16.480 --> 00:53:20.119
are some rules you're upgrading, and
you want to make sure you do it

705
00:53:20.239 --> 00:53:22.679
right. I want to do it
right exactly. This is my home.

706
00:53:22.760 --> 00:53:27.079
I live here, I get it
here, I get it. So but

707
00:53:27.360 --> 00:53:31.159
really and truly, maybe maybe they're
disorganized and don't know where they are.

708
00:53:31.679 --> 00:53:36.119
I mean, did you call back
the hold on? Robert? Do you

709
00:53:36.159 --> 00:53:40.000
have a management company or just an
ha board? It's just the HOA board.

710
00:53:40.440 --> 00:53:45.400
Okay, Now did the HOA president
did you call him back and say

711
00:53:45.440 --> 00:53:49.800
the secretary doesn't have it? I
did? Yeah, And what did the

712
00:53:49.840 --> 00:53:53.159
president? What did the president say? So? He said that the current

713
00:53:53.239 --> 00:53:59.159
copy is so illegible from being photo
copied so many times. He gave it

714
00:53:59.199 --> 00:54:02.559
to a property management company to have
rewritten and they haven't given it back.

715
00:54:02.679 --> 00:54:07.519
Okay, well, then that's legit. Hold on, that's legit. Who's

716
00:54:07.559 --> 00:54:13.719
the property management company. They said
it was cc R S. They're out

717
00:54:13.719 --> 00:54:19.599
of California, supposedly. Okay,
So Robert, what they're not saying we

718
00:54:19.719 --> 00:54:22.559
refuse to give it to you.
They're saying we're just or it's a mess.

719
00:54:22.599 --> 00:54:28.039
We're trying to get them redone.
Yes, exactly. No. But

720
00:54:28.079 --> 00:54:31.440
I've even asked for even the bad
copies because I know and you do have

721
00:54:31.480 --> 00:54:38.559
a right to that. And I
would like I would like Deputy Chopper to

722
00:54:38.679 --> 00:54:43.800
call over there and to talk to
the HA president and say, look,

723
00:54:43.880 --> 00:54:45.840
you we got a dilemma here.
By law, you have to do this.

724
00:54:46.880 --> 00:54:50.840
He could be held personally responsible.
You see, Mark, there should

725
00:54:50.840 --> 00:54:53.880
be fines for these guys that hold
office. They should their asses should be

726
00:54:53.920 --> 00:54:58.119
fined, Robert hold on. Well, and that's what I And then before

727
00:54:58.119 --> 00:55:00.440
we do all that, though,
that's what I was calling to get the

728
00:55:00.519 --> 00:55:04.639
color revised statues numbers, so then
I could just be cordial with him,

729
00:55:04.639 --> 00:55:07.000
because he is my neighbor and he
can be kind of a handful when you

730
00:55:07.039 --> 00:55:12.239
get on his bad side. So
I'm just trying to just trying to do

731
00:55:12.440 --> 00:55:15.920
things right politely before we bring you
know, trank off. All right,

732
00:55:16.239 --> 00:55:22.039
here's here's what it is. Title
thirty eight is in general article thirty three

733
00:55:22.079 --> 00:55:29.679
point three. It is a big
giant. It's called Colorado call Common Interest

734
00:55:29.760 --> 00:55:37.599
Ownership Act. Just start googling,
start googling or chatting with an AI right

735
00:55:37.639 --> 00:55:42.440
now. Ais are far better,
far better than Google. You know,

736
00:55:42.760 --> 00:55:45.480
why hasn't Google just built in an
AI to their search engine? Why don't

737
00:55:45.480 --> 00:55:49.039
they just build it in? No, it's not. If you ask that

738
00:55:49.119 --> 00:55:52.280
a question, you don't get answers
like you do with a chat. You

739
00:55:52.320 --> 00:55:57.960
don't just the regular Google search.
Why don't they just a does it does?

740
00:55:58.760 --> 00:56:01.280
Okay? Now I think Google they're
doing it. I'm not. If

741
00:56:01.280 --> 00:56:04.760
you know, if you go into
Chat and ask a question, then you

742
00:56:04.800 --> 00:56:08.519
into Google and ask the same question, Google brings up the Google Search and

743
00:56:08.559 --> 00:56:12.440
it has a little tiny answer.
But tell you nothing. I'll tell you

744
00:56:12.519 --> 00:56:15.719
why. Because Google's an advertising company. They that's exactly what they want to

745
00:56:15.719 --> 00:56:20.199
happen. They don't want Well,
no, that's true, but that's your

746
00:56:20.280 --> 00:56:24.239
handle. You can be an advertising
company but still give information and put within

747
00:56:24.320 --> 00:56:30.480
it the links. I think that
would be ingenius. But hey, well

748
00:56:30.719 --> 00:56:35.320
it's like I'm gonna tell ABC or
alphabet what to do I mean like they

749
00:56:35.360 --> 00:56:38.039
know what to do. So listen
Title thirty eight, section thirty three point

750
00:56:38.079 --> 00:56:44.119
three of the Colorado Revised Statutes.
So excellent, that's where you start.

751
00:56:44.599 --> 00:56:50.760
But there's all kinds in the row, and within thirty three point three it

752
00:56:50.840 --> 00:56:55.199
outlines all the information that must be
disclosed and given to you. Disclosure of

753
00:56:55.239 --> 00:57:00.800
information for insurance, the disclosure of
everything's there. But you gotta read,

754
00:57:00.840 --> 00:57:04.119
read, read, read, okay, and I'm then I don't mind reading.

755
00:57:04.199 --> 00:57:06.960
I just want to make sure I
come at this correctly because again,

756
00:57:07.039 --> 00:57:08.719
this is my home. Gotcha,
bro, I gotcha. Call me back,

757
00:57:09.960 --> 00:57:13.239
this guy, call me back,
let me know what they say.

758
00:57:13.239 --> 00:57:17.119
But I'd like to give this to
Chopper to watch in case you don't get

759
00:57:17.119 --> 00:57:22.239
what you need. So alert Chopper
of this Kachina what I need. Yeah,

760
00:57:22.239 --> 00:57:24.159
I'll definitely take the gloves off and
let you guys swing with me.

761
00:57:24.400 --> 00:57:29.480
All right, hang on, I
mean, just just get we want to

762
00:57:29.519 --> 00:57:31.760
give you to one of our deputies. Three oh three seven one three eight

763
00:57:31.800 --> 00:57:37.800
two five five. So it's an
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764
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766
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767
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769
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772
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773
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780
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three nine two zero sixteen twenty two. Hi Tom Martine, your troubleshooter three

781
00:59:05.559 --> 00:59:08.039
three seven one three talks seven one
three eight two five to five. Okay,

782
00:59:08.800 --> 00:59:13.199
you can we do that outbound right
now? Did you get those uh

783
00:59:13.840 --> 00:59:16.599
uh that outbound cart message? Oh? They didn't answer. Okay, all

784
00:59:16.679 --> 00:59:20.880
right, Well we had a problem
that I really want to get into,

785
00:59:20.920 --> 00:59:24.039
because these cards are being hacked on
government benefits. They put them on.

786
00:59:24.400 --> 00:59:28.199
What kind of card did they put
them on? They this was happening with

787
00:59:28.280 --> 00:59:30.360
unemployment, But this is happening.
It's like a Master of Visa, debit

788
00:59:30.440 --> 00:59:37.440
card whatever. There's a card that
this family got and she got it in

789
00:59:37.519 --> 00:59:38.719
the mail, right, she gets
it in the mail. No, no,

790
00:59:38.760 --> 00:59:42.280
not in the mail. I'm sorry
that the cards loaded, I mean

791
00:59:42.440 --> 00:59:45.639
monthly. She got the card originally
in the mail. But she has the

792
00:59:45.679 --> 00:59:52.000
card. And here's what happened.
Somebody had gone to a seven to eleven

793
00:59:52.159 --> 00:59:57.320
and exhausted, drew all the money
out the day it was charged. Now,

794
00:59:57.360 --> 01:00:00.360
how did that happen? How does
that happen? When do you have

795
01:00:00.400 --> 01:00:02.679
a government card for benefits? In
fact, let me get the name of

796
01:00:02.719 --> 01:00:07.239
the card. I've never heard of
that. I don't know. How would

797
01:00:07.239 --> 01:00:09.760
they know it was charged? Where
the heck is it? I'm going to

798
01:00:09.800 --> 01:00:16.760
find it, but okay, here
it is, it says a government assistance

799
01:00:16.960 --> 01:00:23.760
check every month that goes on a
snap card at midnight. Someone went into

800
01:00:23.760 --> 01:00:30.159
a seven eleven with a cloned card
maybe and they took four hundred dollars.

801
01:00:30.199 --> 01:00:35.480
They got to know the pin number. How the hell did they do it?

802
01:00:35.559 --> 01:00:37.719
Well, they have to have the
pin number. I don't know how

803
01:00:37.719 --> 01:00:39.199
they did it, but without the
pin number, they couldn't have done it.

804
01:00:40.079 --> 01:00:45.159
The office says it's the same with
Colorado they use. Office says it

805
01:00:45.280 --> 01:00:51.280
is wide spread. How does this
happen? Pen is set by the cardholder,

806
01:00:51.320 --> 01:00:53.280
so they must have intercepted it in
the mail. Well, no,

807
01:00:53.519 --> 01:01:00.639
I mean I guess maybe, But
but why is it widespread card re You

808
01:01:00.679 --> 01:01:02.159
know, there's a lot of a
lot of scams. It would work the

809
01:01:02.159 --> 01:01:05.840
same on a snap but you would
still have to have the pin though,

810
01:01:06.239 --> 01:01:08.840
and these snap cards you got to
have that four digit pin that that person

811
01:01:09.000 --> 01:01:13.800
sets. Yeah, but if you're
at a gas station and there's a full

812
01:01:13.960 --> 01:01:16.039
you're saying, they capture the pin, capture the pin, Yeah, and

813
01:01:16.079 --> 01:01:22.239
so that's it's just no different than
our cards getting Uh oh, they get

814
01:01:22.280 --> 01:01:24.360
the pin with that card reader?
Are those? Where do you buy?

815
01:01:24.440 --> 01:01:28.000
I went on Amazon. I can't
buy one of those scanners? Where do

816
01:01:28.000 --> 01:01:31.280
you buy them? No, I'm
a junking, But we hear about these

817
01:01:31.320 --> 01:01:34.480
things. Where do you buy this
stuff? Where do you buy stuff?

818
01:01:34.519 --> 01:01:37.519
To do illegal stuff like that?
You hear about it, but where do

819
01:01:37.519 --> 01:01:43.920
you buy it? Where can you
buy one of those? Okay? I

820
01:01:44.039 --> 01:01:49.320
uh, I'm searching this. It's
okay. What by the way, SNAP

821
01:01:49.360 --> 01:01:53.519
stands for Supplemental Nutrition Assistance Program.
So what happened though? Did they get

822
01:01:53.519 --> 01:01:58.360
to four hundred or not? No, it's gone. They have never heard

823
01:01:58.400 --> 01:02:06.119
of any bank giving money back if
a pin was used, ever, it

824
01:02:06.199 --> 01:02:09.360
says here that would change. That
would change banking forever. If they started

825
01:02:09.360 --> 01:02:15.199
doing that, you could just claim
fraud, you know, oh with a

826
01:02:15.199 --> 01:02:17.199
pin number? With a pin number, I've never heard of any bank ever

827
01:02:17.639 --> 01:02:22.960
giving money back. You just never
hear of it. How would someone get

828
01:02:22.039 --> 01:02:25.760
someone's pin number? When you said, he's saying a tracker, But then

829
01:02:25.800 --> 01:02:30.239
they don't have the you swipe it, or when you put in the chip,

830
01:02:30.559 --> 01:02:32.079
they don't. You can't do the
chip one But the swipe cards.

831
01:02:32.320 --> 01:02:36.559
But they even if they're at a
gas pump like Mark saying, they still

832
01:02:36.599 --> 01:02:38.360
have to put a pin in in
order to post what I'm saying if it

833
01:02:38.480 --> 01:02:42.960
captured the pin, But who would
capture that? There's no scanner on the

834
01:02:43.039 --> 01:02:45.960
keyboard. When you put your pin
in, they put a false scanner on

835
01:02:45.039 --> 01:02:47.360
it. Yeah, okay, you
put your card in, you get your

836
01:02:47.360 --> 01:02:51.320
gas, you punch it in.
They come back at two o'clock in the

837
01:02:51.360 --> 01:02:52.920
morning, they pull that off and
all the data has been captured. The

838
01:02:53.119 --> 01:02:58.159
entire scanner's fake. Yeah are you
sure? Yeah? They were doing that

839
01:02:58.239 --> 01:03:02.000
at some walmarts, the entire at
this self check out the entire fau for

840
01:03:02.039 --> 01:03:06.639
I mean, how does somebody see
them installing this damn thing? Maybe something

841
01:03:06.639 --> 01:03:09.559
on somebody on the inside. But
people, here's what I want to know.

842
01:03:10.039 --> 01:03:15.360
Do you know anyone or has it
happened to you where someone has actually

843
01:03:15.960 --> 01:03:20.039
gotten a pin number? How did
they get it? I would think they

844
01:03:20.039 --> 01:03:24.119
would generally get the pin number from
the person somehow watch him put the pin

845
01:03:24.159 --> 01:03:30.039
in. I see, I've never
been hacked because I I trick people.

846
01:03:30.039 --> 01:03:37.000
I use password capital P A S
S W zero RD. So when I

847
01:03:37.119 --> 01:03:40.039
use that's my password for everything,
and and it works because I put the

848
01:03:40.159 --> 01:03:45.400
zero in instead of the oh,
so it's password capital P with the zero.

849
01:03:45.039 --> 01:03:49.039
And when it comes to pin numbers, I'd never get hacked because I

850
01:03:49.159 --> 01:03:54.159
just do one, two, three
four and people never expect it one two,

851
01:03:54.199 --> 01:03:57.679
three four. And if I need
a six digit number, I do

852
01:03:57.760 --> 01:04:00.519
one, two, three four five
six, and it is so obvious no

853
01:04:00.559 --> 01:04:06.400
one guesses it. And that's my
debit card and everything down. What's going

854
01:04:06.440 --> 01:04:11.920
on with you? Oh? Tom? I was just turning your screener that

855
01:04:12.239 --> 01:04:16.199
I'm a nurse in pueblovel and I
have had probably six or seven patients report

856
01:04:16.280 --> 01:04:19.800
the same thing. Now, how
is that happening? Mark? Six or

857
01:04:19.840 --> 01:04:25.280
seven people? Just and how do
you know them? Down? I'm a

858
01:04:25.360 --> 01:04:29.039
nurse, A nurse, Okay.
I kind of didn't believe it, you

859
01:04:29.079 --> 01:04:30.960
know, I was like, Okay, sure, maybe they're making it a

860
01:04:30.960 --> 01:04:33.039
story. But then as more and
more people came in and it seems to

861
01:04:33.079 --> 01:04:38.320
always be a seven eleven. How
okay, here's what I want to know.

862
01:04:38.639 --> 01:04:42.920
Do you have any idea how it's
happening? Did you talk did anyone

863
01:04:42.960 --> 01:04:46.639
tell you they found out? Well, they said that they find out when

864
01:04:46.639 --> 01:04:50.360
they go to use the card and
there's no money on it. I wonder

865
01:04:50.400 --> 01:04:56.920
if these people, if it's a
seven eleven that these people went to to

866
01:04:57.079 --> 01:05:00.000
get cash or something. I don't
know how it's app card works. If

867
01:05:00.039 --> 01:05:03.599
you can use it for anything,
can you get cash or whatever? Is

868
01:05:03.639 --> 01:05:08.360
it the same maybe that same seven
eleven. If you went to a seven

869
01:05:08.400 --> 01:05:12.119
eleven with that card and then that
seven eleven it was drained at that seven

870
01:05:12.159 --> 01:05:17.159
eleven, then we got a scanner
problem. But putting skimmers on I did

871
01:05:17.559 --> 01:05:20.920
that could happen. I didn't know
what could happen with the pin number.

872
01:05:21.000 --> 01:05:27.119
I knew they could skim cards,
clone cards when they're skimmed with a skimmer.

873
01:05:27.639 --> 01:05:31.000
I did not know when you punch
in a pin number that could be

874
01:05:31.079 --> 01:05:35.519
captured. But I'm being told they
how can the whole keyboard? You see

875
01:05:35.519 --> 01:05:40.960
A far guy in our credit card
processing company he things for that. Uh

876
01:05:41.360 --> 01:05:45.639
see. So these people aren't crazy, and it's not that they're reckless.

877
01:05:45.679 --> 01:05:50.400
Somebody is hacking snap cards, which
is just a visa or a MasterCard,

878
01:05:50.559 --> 01:05:55.920
like Mark said, ATMs, gas
pumps, other things, point of sale

879
01:05:56.480 --> 01:06:00.960
terminals. They can put a false
front or a false skimmer on there,

880
01:06:00.000 --> 01:06:05.840
and it captures the card number and
the pin numbers. I don't know how

881
01:06:05.960 --> 01:06:12.400
people are getting pin numbers, and
so I'm going to ask how are people

882
01:06:12.440 --> 01:06:17.119
getting pin numbers? Typing skimmers credit
cards? But okay, but okay,

883
01:06:17.119 --> 01:06:24.599
mark picture picture a machine the skimmer
you can put in that little slot.

884
01:06:25.079 --> 01:06:28.639
What do you do to capture the
keys? The punching in of the keys,

885
01:06:28.679 --> 01:06:33.480
whatever is coded that they attached to
that the skimmer captures it. Oh,

886
01:06:33.760 --> 01:06:36.760
though I have no idea at that
part. I don't I don't understand

887
01:06:36.800 --> 01:06:43.719
the technology. We're gonna We're gonna
find out man. Okay three oh three

888
01:06:43.920 --> 01:06:48.119
seven one three eight two five five
go with a sure thing Denver's best roofer

889
01:06:48.239 --> 01:06:56.400
Excel Roofing dot com. You don't
pay a cent until you're content. Time

890
01:06:56.440 --> 01:07:00.239
for an insurance check up free,
no obligation. In comparison, call this

891
01:07:00.360 --> 01:07:04.000
insurance paying too much your coverage at
dozens of insurance companies find out now three

892
01:07:04.079 --> 01:07:08.719
o three seven seven to one.
Help. You'll think you're his only customer

893
01:07:08.760 --> 01:07:12.360
when you choose Frank durand the real
estate Man dot com to list your home

894
01:07:12.599 --> 01:07:20.519
with Remax Alliance three oh three nine
two zero sixteen twenty two. Hey,

895
01:07:20.559 --> 01:07:25.280
I'm Tom Martine. You're troubleshooter three
O three seven one three talk. We

896
01:07:25.400 --> 01:07:30.719
got a comment from JR. About
snap cards. Go ahead, Jr.

897
01:07:30.760 --> 01:07:33.719
What's going on? Tom? What's
going on? I just thought i'd call

898
01:07:33.800 --> 01:07:38.480
in. I'd work. I can't
tell you. Of course, when I

899
01:07:38.519 --> 01:07:44.599
work for a major retailer, and
major and on our gas pumps, we

900
01:07:44.639 --> 01:07:48.599
have security the security tags for that
purpose. But it is so easy to

901
01:07:48.719 --> 01:07:51.960
scale cars. It's not even funny. Well, okay, hold on a

902
01:07:53.000 --> 01:07:56.599
secon and I mean this. I
don't want people to break the law.

903
01:07:56.719 --> 01:08:00.000
Obviously I fight against it my whole
life. But really, truly, jar,

904
01:08:00.159 --> 01:08:04.039
where do people buy scanners? Come
on, we hear about these scanners.

905
01:08:04.119 --> 01:08:08.000
So here's what I'm just trying to
tell you, Tommy. But you

906
01:08:08.039 --> 01:08:11.440
asked the question here. It is
it happens all the time. Thank god,

907
01:08:11.519 --> 01:08:15.800
we're preventative on that, and it
doesn't happen anymore to us. But

908
01:08:15.720 --> 01:08:19.680
is there's a little little piece that
goes down the bottom of the of the

909
01:08:19.880 --> 01:08:25.079
credit card leader you don't even see
it, and they slide the card in

910
01:08:25.199 --> 01:08:28.039
and that person is a block away
or not even a block away in the

911
01:08:28.039 --> 01:08:30.600
same parking lot and when you slide, Well, where do you find these

912
01:08:30.640 --> 01:08:33.880
scanners? Oh, I don't know. I have no idea. Yeah,

913
01:08:33.920 --> 01:08:38.119
and that's what I mean. I
wonder if a lot of its urban legend.

914
01:08:38.159 --> 01:08:41.159
I know, I know there are
scanners. Oh, but I don't

915
01:08:41.199 --> 01:08:45.439
think. But how can I know
someone that used to buy card readers for

916
01:08:45.560 --> 01:08:49.079
direct TV and clone those cards all
the time, and he would get all

917
01:08:49.159 --> 01:08:53.840
of that stuff out of Canada.
Now, Mark, by the time,

918
01:08:54.039 --> 01:08:57.880
by the time you get your card, guys, and you wake up out

919
01:08:57.920 --> 01:09:00.159
of bed and your card's been loaded
that night, and the government self Security,

920
01:09:00.199 --> 01:09:03.640
disability, whatever it may be,
the new cards they're handing out federally,

921
01:09:03.920 --> 01:09:08.439
your money has been taken out.
It's that quick and that easy.

922
01:09:08.479 --> 01:09:11.840
And they've changed the pin number.
I get you man, thank you.

923
01:09:11.920 --> 01:09:17.359
Now have you these skimmers like,
for example, the one that was supposedly

924
01:09:17.359 --> 01:09:21.199
in Walmart, the whole unit was
foult phony. How the hell did they

925
01:09:21.239 --> 01:09:26.479
install it? Well, I don't
know, but they did. I know

926
01:09:26.560 --> 01:09:29.800
a couple things about that one story
because I saw some of the video on

927
01:09:29.880 --> 01:09:33.560
it. One of them was panhandling
or acting like a panhandler right in front

928
01:09:33.560 --> 01:09:39.560
of Walmart, and it turned out
they were part of the installation. They

929
01:09:39.560 --> 01:09:43.000
probably did it right during the day. Oh it probably leaned right over that

930
01:09:43.079 --> 01:09:45.159
thing and knew what they were doing
or pretended to be a service. But

931
01:09:45.239 --> 01:09:49.520
they literally sat there and watched it. They had the two guys, I

932
01:09:49.520 --> 01:09:54.520
think one was a woman watching what
was going on at the register. They

933
01:09:54.600 --> 01:09:58.560
put the skimmer on for about three
or four hours, so they knew when

934
01:09:58.600 --> 01:10:01.520
to capture in. Khalib and Paul, hang on, please, we'll be

935
01:10:01.600 --> 01:10:08.119
back with you coming up. Go
with a sure thing Denver's Best roofer Excel

936
01:10:08.239 --> 01:10:14.920
Roofing dot com. You don't pay
a cent until you're content. Leave time

937
01:10:14.960 --> 01:10:19.239
for an insurance check up free no
obligation comparison call Compass Insurance paying too much

938
01:10:19.359 --> 01:10:24.640
your coverage at dozens of insurance companies
find out now three oh three seven seven

939
01:10:24.640 --> 01:10:28.439
to one help. You'll think you're
his only customer when you choose Frank durand

940
01:10:28.439 --> 01:10:31.880
the real estate Man dot com to
list your home with Remax Alliance three oh

941
01:10:31.880 --> 01:10:48.680
three nine two zero sixteen twenty two
ripped so you don't have come run inciousness

942
01:10:48.840 --> 01:10:58.960
as we can. Shooter's gonna help
come is the Troubleshooter Show. No Tom

943
01:10:59.000 --> 01:11:04.319
Martinez, Hi Tom Martino here at
three h three seven one three talk seven

944
01:11:04.359 --> 01:11:09.720
one three eight two five five.
Oh my goodness, I hit a nerve

945
01:11:09.800 --> 01:11:15.359
and I said, snap cards being
cloned? How are they getting pin numbers?

946
01:11:15.960 --> 01:11:20.039
And I'm finding that they sell skimmers
that capture your pin when you punch

947
01:11:20.079 --> 01:11:26.079
it. And I'm not sure how
Caleb, go ahead, what do you

948
01:11:26.159 --> 01:11:29.760
what do you have to say?
Caleb? Yeah, so, I just

949
01:11:29.760 --> 01:11:32.479
wanted to kind of give an idea
of how that works since I've seen some

950
01:11:32.520 --> 01:11:38.520
of these different machines and teardowns online. The skimmers the capture the pin numbers,

951
01:11:38.560 --> 01:11:42.960
They basically have a pin pad sticker
that goes over the pin pad and

952
01:11:42.960 --> 01:11:45.520
it looks almost identical to the pin
pad. So when you punch it in,

953
01:11:45.560 --> 01:11:48.680
there a little cable running out the
back of the sticker to the capture

954
01:11:48.720 --> 01:11:51.359
of skimmer device, and that allows
them to capture the pin pad as well

955
01:11:51.399 --> 01:11:56.159
as the card. My god,
And where do you buy stuff like this?

956
01:11:57.560 --> 01:12:00.239
I think most of it's probably just
homemade. I mean, those of

957
01:12:00.279 --> 01:12:01.640
these skimmers, if you look at
the teardowns, it's just off the shelf

958
01:12:01.720 --> 01:12:06.439
parts. Yeah. So, you
see a pin pad with a little cable

959
01:12:06.479 --> 01:12:10.920
coming out the back of it,
probably don't use that one. This is

960
01:12:10.920 --> 01:12:14.039
the most more common on like ATM
machines, right because then you have debit

961
01:12:14.079 --> 01:12:17.760
cards go through there. That is
so amazing. Thank you for your information.

962
01:12:19.439 --> 01:12:26.000
And uh Stan, oh he's not
there anymore. Somebody was on the

963
01:12:26.039 --> 01:12:30.199
line and said they were an expert
at cards skimming. If you can call

964
01:12:30.279 --> 01:12:33.840
back, San, I don't see
you there anymore. Three oho three seven

965
01:12:33.880 --> 01:12:39.279
one three talks seven one three eight
two five five Caleb. Thank you for

966
01:12:39.359 --> 01:12:45.000
your call. And we have Paul
as a comment on Lexus Nexus. Go

967
01:12:45.039 --> 01:12:49.079
ahead, Paul, oh, let
me see, let me do this for

968
01:12:49.159 --> 01:12:51.279
you. There you go, Paul, Sorry my fault. Go ahead,

969
01:12:51.279 --> 01:12:56.720
Paul. That's all right. As
many of your listeners have recently heard,

970
01:12:56.960 --> 01:13:03.199
automobile manufacturers uh collect lots of data
about your driving, et cetera. And

971
01:13:03.239 --> 01:13:08.840
so that information to lectis snacks to
send some other organizations as well as use

972
01:13:08.920 --> 01:13:14.880
it appropriately for internal providing the services
that you want that you've asked for in

973
01:13:14.920 --> 01:13:18.520
your car itself or your GPS and
things of that nature that you're using.

974
01:13:19.199 --> 01:13:26.600
So that part is fine. So
I started, I've opted out for as

975
01:13:26.680 --> 01:13:30.760
much as I can with my manufacturer
of the newer vehicles that I have.

976
01:13:30.399 --> 01:13:33.279
And how do you how do you
opt out? I didn't even know you

977
01:13:33.319 --> 01:13:39.560
could. Oh yeah, well I
did it with my Subaru. There's a

978
01:13:39.640 --> 01:13:44.640
form online that you could opt out
as well as delete all the information,

979
01:13:44.760 --> 01:13:49.960
and then they give you the copy
of all the information that they had collected,

980
01:13:50.439 --> 01:13:58.359
so you know where that information was
shared. So that's what I know

981
01:13:58.520 --> 01:14:03.680
for a fact from Subre I should
be getting my data in about thirty more

982
01:14:03.800 --> 01:14:08.920
days. They get about forty five
days to complete that process. And then

983
01:14:08.960 --> 01:14:13.640
I did the same with Lexus and
Nexus. Now as you know, so

984
01:14:13.640 --> 01:14:16.279
so Subaru as one of the other
manufacturers, we're selling it to Lexus and

985
01:14:16.319 --> 01:14:21.359
Axus using it internally, but also
selling it to other organizations data collectors wherever

986
01:14:21.359 --> 01:14:25.000
they could sell it. They we
could sell it and make some money off

987
01:14:25.000 --> 01:14:30.560
of your personal data and habits insurance
companies directly. All right, I'm picking

988
01:14:30.640 --> 01:14:33.000
up what you're laying down. But
where are we going with it? Well,

989
01:14:33.079 --> 01:14:40.720
I just just now finished my submission
to Lexus Nexus. So you could

990
01:14:40.720 --> 01:14:44.920
either do a security freeze, that's
freeze your whole Lexus Nexus files, so

991
01:14:44.960 --> 01:14:49.319
they can't distribute I mean, just
like just like with credit files, you

992
01:14:49.319 --> 01:14:54.800
can freeze your Lexus Nexus. Yes, but I did something better than that

993
01:14:55.000 --> 01:14:57.960
for me. Any wait a minute, I never heard of this before.

994
01:14:58.560 --> 01:15:02.119
I just heard about it this mor
and I just completed the process and it's

995
01:15:02.159 --> 01:15:08.520
a big dail. It takes to
thirty seconds to complete online and then they

996
01:15:08.680 --> 01:15:12.840
send you via mail. And if
you don't, so are you telling me

997
01:15:13.079 --> 01:15:19.760
that if you don't opt out,
what happens? They're free to provide that

998
01:15:19.920 --> 01:15:24.840
information to any client they have,
whether it be insurance companies, and they

999
01:15:24.880 --> 01:15:30.680
get the information from auto manufacturers as
well as all kinds of other I mean,

1000
01:15:30.760 --> 01:15:33.479
Lexus Nexus, as you know,
is a huge database collector, you

1001
01:15:33.520 --> 01:15:39.680
know, creat Yeah, but I
thought Lexus Nexus gathered public information, meaning

1002
01:15:40.279 --> 01:15:44.159
they could share it with anyone.
That they do more than that. But

1003
01:15:44.359 --> 01:15:47.439
listen, I not only I didn't
bother with the security freeze from Lexus,

1004
01:15:47.479 --> 01:15:53.880
next I opted out, so they
can no longer collect any of that information,

1005
01:15:54.520 --> 01:15:59.199
share that information, I should say, and they are required to delete

1006
01:15:59.800 --> 01:16:04.359
my entire information they have Wait,
I just I don't even know what to

1007
01:16:04.359 --> 01:16:08.199
say about that. So if you've
been to court and Douglas County, and

1008
01:16:08.239 --> 01:16:11.880
you got arrested for someone or had
a lawsuit, I could no longer look

1009
01:16:11.920 --> 01:16:15.760
you up. Are you saying you
lexus through lexus Nexus? No? Through,

1010
01:16:17.199 --> 01:16:20.760
But that's public information? How can
you possibly put a block on it?

1011
01:16:21.279 --> 01:16:27.359
Lexus Nexus is a private database,
Yes, but it's a private database

1012
01:16:27.439 --> 01:16:32.640
of public information. Well that's fine
that that source of that public information is

1013
01:16:32.720 --> 01:16:39.439
no longer available. You can get
that information elsewhere. So I specifically called

1014
01:16:39.920 --> 01:16:43.439
lexis next. I not only completed
the process just a moment ago before I

1015
01:16:43.479 --> 01:16:47.399
called you, but I had called
Lesus Nexus spoke to someone and asked about

1016
01:16:47.399 --> 01:16:50.159
that. Not that I'm hiding anything
I've been, I understand that, but

1017
01:16:50.359 --> 01:16:54.239
yours. But I said, Ray, Ray, you don't have to repeat

1018
01:16:54.239 --> 01:16:57.680
it, because I do know what
you're saying. You're saying, lexus Nexus,

1019
01:16:57.760 --> 01:17:01.640
this huge database, which why the
way not has all kinds of information

1020
01:17:01.720 --> 01:17:05.199
from the courts. I don't see
how you, as an individual can tell

1021
01:17:05.199 --> 01:17:11.920
them they can't use that public information. It's public information. They can't share

1022
01:17:12.039 --> 01:17:15.399
it. Well, okay, well
they can't. They can't share it.

1023
01:17:15.720 --> 01:17:19.720
But who said but you? For
example, Ray, if I wanted to

1024
01:17:20.159 --> 01:17:26.479
look up every court document on you
and I wanted to go on the radio

1025
01:17:26.520 --> 01:17:30.000
and share that. Do you know
there is nothing you can do about that?

1026
01:17:31.039 --> 01:17:34.199
Yeah? Because it's public information,
right. So that's what I'm asking.

1027
01:17:34.479 --> 01:17:42.199
Why would lexus nexus allow people to
freeze a file that is free to

1028
01:17:42.439 --> 01:17:50.119
publish because it's state law. There's
a state law that says that lexus in

1029
01:17:50.239 --> 01:17:57.640
Colorado. When you go up to
every state is slightly different, I'm guessing

1030
01:17:57.880 --> 01:18:04.680
that most of them are fairly similar. Colorado allows me to not only freeze,

1031
01:18:05.039 --> 01:18:10.680
delete, and opt out. So
when you put in your address and

1032
01:18:10.720 --> 01:18:15.560
they identify it from Colorado, another
section pops up and the mark do you

1033
01:18:15.600 --> 01:18:19.199
believe this? I believe you can
opt out of some of the information.

1034
01:18:19.640 --> 01:18:23.520
I just don't. He says a
state law. But they must freeze,

1035
01:18:23.600 --> 01:18:26.279
delete, or opt out upon requests. So can I opt out of my

1036
01:18:26.359 --> 01:18:30.039
clue report? So my insurance company
can't report anything? Is that cool to

1037
01:18:30.079 --> 01:18:34.880
you? Man? Listen? So
I'm asking, I'm asking you it's generated

1038
01:18:35.039 --> 01:18:42.720
my claim history is Lexus Nexus.
I asked specifically about insurance companies and courts,

1039
01:18:43.359 --> 01:18:46.359
and what I was told was that, for instance, if for Colorado

1040
01:18:46.439 --> 01:18:51.279
obviously maintains their own database criminal and
civil rights. Yeah, Colorado courts keep

1041
01:18:51.319 --> 01:18:56.720
going right right, Okay, but
if they wanted to use, as some

1042
01:18:56.800 --> 01:19:00.560
courts do, Lexus and Nexus as
a means to search a record of an

1043
01:19:00.560 --> 01:19:04.640
individual in another state, if they
were to use Lexus Nexus, they couldn't

1044
01:19:04.680 --> 01:19:09.079
access That is what I was told. Okay, I don't believe it.

1045
01:19:09.159 --> 01:19:12.600
Okay, now, I'm not calling
Ray. Ray. I believe you believe

1046
01:19:12.600 --> 01:19:15.399
it, but I don't believe it. So well, I'm telling you what

1047
01:19:15.479 --> 01:19:18.039
I was told. I'm kidding it. I want to know that everybuddy in

1048
01:19:18.079 --> 01:19:23.560
the state of Colorado right now should
get rid of their report through Lexus Nexus

1049
01:19:23.920 --> 01:19:28.039
if they've had a hail claim or
any you know, I'm serious. Ray,

1050
01:19:28.079 --> 01:19:31.720
I'm not kidding auto claim Stop.
I'm not kidding when I say this.

1051
01:19:31.720 --> 01:19:36.479
This is If it's true, you
have dropped up. I keep calling

1052
01:19:36.479 --> 01:19:41.119
you, Ray, damn it.
It's Paul raised the next guy. Paul.

1053
01:19:41.680 --> 01:19:44.680
I just want to say this because
I know you've called before, and

1054
01:19:44.720 --> 01:19:46.640
you're not a nut and you have
a lot of good information. I recognize

1055
01:19:46.640 --> 01:19:50.119
your voice. But here's what I
want to know or tell you. If

1056
01:19:50.119 --> 01:19:56.279
this is true, this is probably
one This is probably one of the biggest

1057
01:19:56.560 --> 01:20:00.199
pieces of information on this show ever. That's true, but I don't think

1058
01:20:00.199 --> 01:20:04.000
it is true. I want to
know the number you called. I called

1059
01:20:05.479 --> 01:20:09.039
one way. I did you get
it? I got it? Okay,

1060
01:20:09.039 --> 01:20:12.279
hold on, bro, just hold
on and when he gets the number,

1061
01:20:12.319 --> 01:20:15.000
get it to me. Okay.
I can't wait any longer. Three all

1062
01:20:15.039 --> 01:20:16.960
three seven one three talks seven one
three eight two five five. Hey,

1063
01:20:17.000 --> 01:20:20.159
Stan, I got to take a
break. But are you an expert on

1064
01:20:20.239 --> 01:20:25.760
cards skimming? He's our expert.
He's with our company. That sounds funny.

1065
01:20:25.800 --> 01:20:28.920
He's our expert on card skim He's
on our he's with our company.

1066
01:20:29.000 --> 01:20:32.159
Yes, okay, Stan, I'm
sorry I didn't realize that's who you were.

1067
01:20:32.399 --> 01:20:35.199
Listen, man, can you hold
for a minute because we want to

1068
01:20:35.199 --> 01:20:40.439
talk to you about these skimmers.
I'd be happy to thank you, sir.

1069
01:20:45.520 --> 01:20:49.560
Go with a sure thing Denver's best
roofer Excel roofing dot com. You

1070
01:20:49.600 --> 01:20:57.640
don't pay a cent until you're content. Time for an insurance check up free,

1071
01:20:57.720 --> 01:21:01.239
no obligation. In comparison, call
Compass insurance paying too much your coverage

1072
01:21:01.239 --> 01:21:04.920
at dozens of insurance companies find out
now three all three seven to seven to

1073
01:21:04.960 --> 01:21:09.720
one help. You'll think you're his
only customer when you choose Frank durand the

1074
01:21:09.760 --> 01:21:14.239
real estate Man dot com to list
your home with Remax Alliance three all three

1075
01:21:14.359 --> 01:21:21.640
nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three all

1076
01:21:21.680 --> 01:21:25.399
three seven one three talks seven one
three eight two five five. Stan,

1077
01:21:25.960 --> 01:21:29.399
by the way, is with Saving
on Fees dot Com merchants? First,

1078
01:21:29.760 --> 01:21:32.960
it's the company Mark and I did
to do credit card processing the right way

1079
01:21:32.960 --> 01:21:36.680
for merchants. So if I'm going
to plug ourselves, what it is is

1080
01:21:36.760 --> 01:21:41.760
we save people money no matter what. And it's no long term agreement and

1081
01:21:41.800 --> 01:21:45.680
no charge for equipment. Right yeah, Saving on Fees dot Com has all

1082
01:21:45.680 --> 01:21:48.479
the infos Saving on Fees dot Com
And and this is our guy, Stan.

1083
01:21:48.520 --> 01:21:51.000
How many years have we been doing
this? Have we been doing it

1084
01:21:51.039 --> 01:21:54.640
for many years now? We've been
doing it for about three years? Yeah,

1085
01:21:54.640 --> 01:21:56.680
by the way, in fact,
this is a little separate. And

1086
01:21:56.720 --> 01:22:01.239
then we'll dig into the card skimmers, but they now we'll have Stan just

1087
01:22:01.359 --> 01:22:04.880
real quick. Let me bring them
options now for zero fees, right,

1088
01:22:05.079 --> 01:22:11.079
zero zero fees, right, zero
fews? Yeah? Yeah, So I

1089
01:22:11.119 --> 01:22:14.560
mean it's crazy. I mean it's
crazy, but go ahead ask. We

1090
01:22:15.039 --> 01:22:17.640
make our money elsewhere, but we
get zero fees and we get free equipment

1091
01:22:17.720 --> 01:22:21.319
and no long term contracts. Yeah, but what happens is, honestly,

1092
01:22:21.399 --> 01:22:26.520
what happens is the person I know
paying is the one that pays the fees.

1093
01:22:26.560 --> 01:22:29.119
Of course, obviously it's built in. So now here's what I want

1094
01:22:29.119 --> 01:22:33.720
to know, Stan, card skimmers. What do you know about him saying

1095
01:22:33.880 --> 01:22:38.520
you're in the business. Of course, you're our guy, you're our boss

1096
01:22:38.560 --> 01:22:43.600
man. As far as doing the
company, How do skimmers work? Although

1097
01:22:43.680 --> 01:22:48.199
of course we're not encouraging skimmers.
How do they work? Well? Typically,

1098
01:22:48.279 --> 01:22:54.760
skimmers are device put onto a credit
card machine. A big problem is

1099
01:22:54.800 --> 01:22:58.800
when you go pay at the pump, there's a device put on there that

1100
01:23:00.000 --> 01:23:04.600
takes the credit card. Instead of
going directly into the pat the pump,

1101
01:23:04.960 --> 01:23:11.039
it hits the skimmer first. So
the big problem today is consumers need to

1102
01:23:11.079 --> 01:23:15.760
be very aware of what they're doing. And so if you see a purfle

1103
01:23:15.880 --> 01:23:21.119
device put onto a credit card machine, that's typically going to be a skimmer,

1104
01:23:21.239 --> 01:23:24.680
well, how would you know?
And Stan help us out though,

1105
01:23:24.800 --> 01:23:28.239
how and maybe we can look it
up on YouTube and stuff, But how

1106
01:23:28.279 --> 01:23:31.560
do you know when you go to
a skimmer, are they are they in

1107
01:23:31.640 --> 01:23:38.399
the slot that you scan the card. Yeah, they're put on the outside

1108
01:23:38.399 --> 01:23:42.680
of the slot typically where the card
goes in, so you hit the skimmer

1109
01:23:43.279 --> 01:23:46.880
before you hit the extra credit card
device. But it also it also does

1110
01:23:47.000 --> 01:23:51.279
trigger for gasoline, so you get
your gas, but you also get skimmed.

1111
01:23:51.560 --> 01:23:58.159
Now do they also have devices to
capture chip cards or are they ultimately

1112
01:23:58.279 --> 01:24:00.319
safe right now? Can you clone
it yet? Can you? Just like

1113
01:24:00.359 --> 01:24:08.399
they use smart skimmers for chips,
not today, No, because you have

1114
01:24:08.439 --> 01:24:12.399
to put your pin in, So
the only way to do a debit card

1115
01:24:12.439 --> 01:24:16.479
transaction is still to put your pin
in. But if they run their debit

1116
01:24:16.560 --> 01:24:23.720
card as a regular credit card,
yes they can, Okay. The problem

1117
01:24:23.800 --> 01:24:29.359
is consumers need to be aware who
and where they're given their card to.

1118
01:24:30.079 --> 01:24:33.359
A lot of times, when you
give your card to somebody and they walk

1119
01:24:33.399 --> 01:24:39.359
away with your card, they can
touch that card next to a skimmer and

1120
01:24:39.520 --> 01:24:46.479
capture the information. So number one
is always keep your card at your person.

1121
01:24:46.640 --> 01:24:49.199
Like when you go to a restaurant
today, they give you the credit

1122
01:24:49.199 --> 01:24:55.239
card to put your credit card in, not giving up your credit card.

1123
01:24:55.399 --> 01:24:58.479
They okay, they also have key
pads, right, they also have key

1124
01:24:58.520 --> 01:25:02.680
pads they put over the keypad for
capturing Yep, the problem our email or

1125
01:25:02.720 --> 01:25:06.439
had stand listen to this. It's
one of those Snap cards that's given out

1126
01:25:06.439 --> 01:25:11.560
by the FEDS or the state of
Colorado, and they always have to put

1127
01:25:11.600 --> 01:25:15.520
a pin number in. So the
card showed up apparently it had four hundred

1128
01:25:15.560 --> 01:25:19.600
bucks on it and it wouldn't work
for so she finally reached out to Snap

1129
01:25:19.680 --> 01:25:24.800
or Colorado or whomever, and it
looked like someone went to a seven eleven

1130
01:25:25.119 --> 01:25:28.960
and used all four hundred dollars of
it and had her pin. So we're

1131
01:25:29.000 --> 01:25:32.920
trying to figure out how would they
have gotten without having the card in hand

1132
01:25:33.359 --> 01:25:39.640
but having the pin How did they
do that? Shah I would say they

1133
01:25:39.680 --> 01:25:44.479
had to give the pin number to
somebody that used that card. Well,

1134
01:25:44.560 --> 01:25:49.960
actually, actually, here's another way. I'm looking online, and if they

1135
01:25:50.039 --> 01:25:54.520
went to a seven eleven or somewhere
that had one of these devices on it.

1136
01:25:54.880 --> 01:26:00.439
They're so cleverly disguised as a keyboard
that you you actually do you type

1137
01:26:00.479 --> 01:26:01.800
the real when you have to put
in your zip and all on your own

1138
01:26:01.880 --> 01:26:05.520
pin. But it also captures it
on top. But didn't you say that

1139
01:26:05.640 --> 01:26:10.800
email or had possession of the card? No? I What I said was

1140
01:26:11.680 --> 01:26:14.119
they Well no, I said he
cloned the card. They don't know.

1141
01:26:14.279 --> 01:26:16.000
They don't actually know. All they
know is the money was gone. No,

1142
01:26:16.000 --> 01:26:18.439
no, No. What I'm saying
is did they have a card?

1143
01:26:19.439 --> 01:26:24.479
The person that emailed Okay, the
person that emailed this has their card,

1144
01:26:24.640 --> 01:26:27.520
That's what I'm saying. And it
was never used before. And there were

1145
01:26:27.560 --> 01:26:30.680
supposed to be foreigner bucks on it. Well, they had a card,

1146
01:26:30.960 --> 01:26:33.479
but who set the pin then,
is what I'm saying. Okay, that

1147
01:26:33.560 --> 01:26:38.760
card was in their possession a long
time. They've gotten payments every month on

1148
01:26:38.880 --> 01:26:42.399
that card. Right, So on
the day they were supposed to get the

1149
01:26:42.399 --> 01:26:45.960
payment, which was today, when
the card gets reloaded, yeah, I

1150
01:26:46.039 --> 01:26:50.479
get you. As soon as the
card was reloaded, somebody swiped it and

1151
01:26:50.520 --> 01:26:54.319
not swiped it. Somebody stole the
money out. We don't know if the

1152
01:26:54.359 --> 01:26:58.000
person who stole the money actually had
a card. I mean, we don't

1153
01:26:58.079 --> 01:27:00.520
know how they did it. Here's
the deal. All we know is that

1154
01:27:00.560 --> 01:27:05.560
they did. Yeah. And then
but I've looked now on YouTube and then

1155
01:27:05.640 --> 01:27:10.800
hold on, stand one more thing
though, When people do have money stolen

1156
01:27:11.000 --> 01:27:14.600
or they use it with the pin. I have never heard of a chargeback

1157
01:27:14.720 --> 01:27:19.039
being successful because they had the pin. Is that correct? Yes? And

1158
01:27:19.079 --> 01:27:24.520
it's very hard on a snap card
or a debit card to get a charge

1159
01:27:24.560 --> 01:27:28.920
back first Yeah, some credit card, yes, but on a debit or

1160
01:27:28.960 --> 01:27:31.640
snap no. Yeah. And by
the way, on this, on this

1161
01:27:31.720 --> 01:27:38.680
one device, there's an overlay that
is so clever. And they overlay the

1162
01:27:38.760 --> 01:27:45.000
keyboard with another light keyboard along with
the skimmer. It's an amazing process.

1163
01:27:45.439 --> 01:27:48.880
And they must make them just for
specific machines because they fit like a glove

1164
01:27:49.079 --> 01:27:56.000
over that particular machine. Yes,
scanning is an art today and it's becoming

1165
01:27:56.079 --> 01:28:00.760
more and more advanced every day.
That's why what we need is we need

1166
01:28:00.800 --> 01:28:04.600
to start doing fingerprints and chips and
that's it. That's coming. I bet

1167
01:28:04.720 --> 01:28:09.439
that's a good one, actually,
fingerprints like they do you know, although

1168
01:28:09.520 --> 01:28:13.079
I saw you know they clicked the
guy's thumb off and then just used it.

1169
01:28:13.119 --> 01:28:15.800
If you have that much money,
no, but you know how Clear

1170
01:28:15.920 --> 01:28:19.079
uses a fingerprint. That's all they
need, a fingerprint and a chip or

1171
01:28:19.119 --> 01:28:24.199
eyeballs. Yeah, Clear does eyeballs. Hey, Stan, if someone out

1172
01:28:24.199 --> 01:28:27.199
there is sick of paying all the
high fees. What numbers should they call

1173
01:28:27.279 --> 01:28:30.720
to reach out to you? Man, I'm gonna give you my personal cell

1174
01:28:30.840 --> 01:28:38.319
number. Nice out three okay nine
eight six nine three, and we will

1175
01:28:38.359 --> 01:28:42.520
help anybody and everybody. I'm saving
money on their page. It's saving on

1176
01:28:42.680 --> 01:28:46.399
fees dot com. And here's the
number saving on fees dot com. If

1177
01:28:46.439 --> 01:28:51.640
you're in business, we it's Mark
and I own this. We will process

1178
01:28:51.680 --> 01:28:55.520
your card. We had one,
the biggest one I can think of.

1179
01:28:55.640 --> 01:28:59.279
They do about two or three million
a year. I'm not going to say

1180
01:28:59.279 --> 01:29:04.159
the name of the big We saved
them about seventy five thousand dollars a year.

1181
01:29:04.319 --> 01:29:08.239
Yeah, so Mark, I don't
know if you guys on the solar

1182
01:29:08.279 --> 01:29:12.640
business. Uh oh pro tickets,
but you probably don't take credit cards now

1183
01:29:12.880 --> 01:29:15.520
probably not. Yeah, but anyway, Saving on fees dot com three oh

1184
01:29:15.560 --> 01:29:18.960
three nine one six eighty six ninety
three. Hey, thank you Stam for

1185
01:29:19.000 --> 01:29:27.760
being thanks man, We appreciate it. Go with a sure thing Denver's Best

1186
01:29:27.840 --> 01:29:33.279
roofer Excel Roofing dot com. You
don't pay a cent until you're contents.

1187
01:29:34.239 --> 01:29:38.840
Time for an insurance check up free, no obligation. In comparison, call

1188
01:29:38.920 --> 01:29:43.680
Compass Insurance paying too much your coverage
at dozens of insurance companies. Find out

1189
01:29:43.680 --> 01:29:45.800
now three oh three seven to seven
to one help. You'll think you're his

1190
01:29:45.960 --> 01:29:49.920
only customer when you choose Frank durand
the real estate Man dot com to list

1191
01:29:49.960 --> 01:29:55.439
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

1192
01:29:57.039 --> 01:30:00.680
Hey, I coom Martino, you
are troubleshooter three all three seven on three

1193
01:30:00.760 --> 01:30:02.239
talks seven on three eight two five
five. Frank rand the real estate Man,

1194
01:30:02.279 --> 01:30:05.399
don't forget. You can call him
for a free analysis of your home

1195
01:30:05.439 --> 01:30:09.399
what it will sell for on the
market with his expertise of thirty years,

1196
01:30:09.560 --> 01:30:13.159
and he'll tell you and then he'll
do a detailed analysis to let you know

1197
01:30:13.199 --> 01:30:15.359
what you can't even buy with the
proceeds if you want. That's Frank Duran.

1198
01:30:15.439 --> 01:30:18.920
Never holds you to a long term
contract, no obligation for this analysis.

1199
01:30:19.039 --> 01:30:23.880
Frank Duran, the real estate Man
dot Com threeh three nine two zero

1200
01:30:23.960 --> 01:30:28.399
sixteen twenty two. All right,
now I want to continue, and we

1201
01:30:28.439 --> 01:30:30.920
have Ray now, and Ray wants
to comment. We were talking earlier about

1202
01:30:30.960 --> 01:30:34.840
a law in New York that actually
says if you submit false information with the

1203
01:30:34.880 --> 01:30:39.720
intent to defraud. It says it
must be an intent to defraud and then

1204
01:30:39.720 --> 01:30:45.520
you submit false information or utter it
in a statement to a bank or to

1205
01:30:45.560 --> 01:30:47.960
a lender in order to get you
know, a loan, or that you

1206
01:30:48.039 --> 01:30:51.640
exaggerate your ability to repay. Blah
blah blah. I'm not reading it for

1207
01:30:51.760 --> 01:30:57.800
Vetim, obviously, but this would
be a crime in New York. And

1208
01:30:59.119 --> 01:31:01.680
uh, that's what they got Trump
on, even though the bank said,

1209
01:31:01.720 --> 01:31:06.680
hey, we didn't think he defrauded
us, and we didn't think the loans

1210
01:31:06.680 --> 01:31:10.760
were bad, and he repaid them
all and no one got hurt. So

1211
01:31:11.159 --> 01:31:15.199
I made a comment on this saying, even if you hate Trump, you

1212
01:31:15.439 --> 01:31:19.800
got to see the danger in laws
like this because they're so subjective. What

1213
01:31:19.840 --> 01:31:24.640
do you have to say about that? Ray? You know, Tom,

1214
01:31:25.199 --> 01:31:33.119
consider this his CPAs disavowed twenty years
of financial statements. Look at the issues

1215
01:31:33.159 --> 01:31:42.680
of the financial statements. Eleven thousand
square foot triples repeatedly reported as thirty three

1216
01:31:42.800 --> 01:31:46.960
thousand, forty one after no,
no go ahead ry forty Wall Street.

1217
01:31:47.319 --> 01:31:54.479
He owns the leasehole to forty Wall
Street. And then there was the estate.

1218
01:31:54.840 --> 01:31:59.520
I think it's seven springs. It
hasn't an yet. He was declaring

1219
01:31:59.560 --> 01:32:04.479
the full value your CPA's. Wouldn't
let you do that? Shame on the

1220
01:32:04.640 --> 01:32:06.920
present? No, no, wait
a minute, how much? How much?

1221
01:32:08.039 --> 01:32:11.640
No, I want those specifics you
gave now, So what when he

1222
01:32:11.680 --> 01:32:15.800
put that on his financial statement?
Let let's follow this through. Was it

1223
01:32:15.039 --> 01:32:23.399
with an intent to defraud? Well, the thought so they disavowed the statements.

1224
01:32:24.880 --> 01:32:27.119
No, wait a minute, wait
a minute. But was it with

1225
01:32:27.920 --> 01:32:30.560
in other words, the loans he
was getting. The loans he got.

1226
01:32:30.720 --> 01:32:39.520
Okay, the loans, they were
good loans on loan to value and appraisals

1227
01:32:39.560 --> 01:32:42.159
that no one's disputing. In other
words, the loan itself. Oh,

1228
01:32:42.239 --> 01:32:45.000
they were disputed. They were disputed. No, they weren't. They were

1229
01:32:45.039 --> 01:32:49.520
not disped the loans. Well,
first of all, the law does not

1230
01:32:49.640 --> 01:32:54.680
apply the law hold on. The
law does not apply tourney general. The

1231
01:32:54.760 --> 01:32:58.680
law does not apply to the appraisals. The appraisals are done by third parties,

1232
01:32:58.960 --> 01:33:01.000
by the lender themselves, elves.
They would have to arrest the lender

1233
01:33:01.319 --> 01:33:05.199
for exaggerating the price in order to
give someone along and both of you were

1234
01:33:05.359 --> 01:33:12.520
at this point. There's a strange
assumption that Trump himself put together these financials

1235
01:33:12.960 --> 01:33:16.760
that's not true. And but but
his organization, I guess if he signed.

1236
01:33:16.800 --> 01:33:20.199
But he did sign them. But
you could make the argument, as

1237
01:33:20.279 --> 01:33:24.880
they do with the irs and innocent
spouses, that there was no intent to

1238
01:33:24.880 --> 01:33:27.840
defraud. But I'm not going to
make that argument. I'm going to go

1239
01:33:27.920 --> 01:33:31.680
with you. Ray. What I'm
saying is, even if those properties you

1240
01:33:31.760 --> 01:33:38.560
mentioned were exaggerated in value, and
that and the actual loans, however,

1241
01:33:38.880 --> 01:33:43.840
were legit LTVs loan to value ratios, and each and every loan was paid

1242
01:33:43.920 --> 01:33:47.319
back, and each and every loan
had a normal interest rate, and the

1243
01:33:47.399 --> 01:33:50.760
banks are happy, fat and happy. How I want to ask you,

1244
01:33:50.800 --> 01:33:54.880
truly, and I mean this,
Ray, with all due respect, I

1245
01:33:54.920 --> 01:33:59.800
really mean this. Who got harmed
by that? But here's what here's Ray,

1246
01:33:59.840 --> 01:34:03.600
can you please answer who got harmed
by that? Here's these and correct

1247
01:34:03.920 --> 01:34:10.880
LTVs. He got the benefit of
lower interest. That's not what the bank

1248
01:34:11.000 --> 01:34:14.720
said, and testified to the bank
said he did not. We got our

1249
01:34:14.720 --> 01:34:18.840
money back. W They said they
were good loans. But were the people?

1250
01:34:19.000 --> 01:34:25.159
This was the people He watches his
MSNBC. Hold on one side.

1251
01:34:25.319 --> 01:34:28.520
Ray, that's not me talking.
Ray. Listen, here's what I want

1252
01:34:28.560 --> 01:34:31.800
to ask you. It was the
people of New York versus Donald Trump.

1253
01:34:32.199 --> 01:34:36.039
What I want to know is,
how are the people in New York harmed

1254
01:34:36.159 --> 01:34:41.199
by this? And where was the
intent to defraud? Who lost the dime?

1255
01:34:41.239 --> 01:34:44.840
Because I couldn't. I couldn't go
out and do that as little who

1256
01:34:45.079 --> 01:34:48.159
was hurt by this? Ray?
The people of New York versus Donald Trump

1257
01:34:48.640 --> 01:34:56.000
over over his personal financial statement for
loans that were paid back, one where

1258
01:34:56.000 --> 01:35:00.760
the banks themselves said, we were
not defrauded. We got a normal interest

1259
01:35:00.840 --> 01:35:04.159
rate, and the loan to value
ratios we did not dispute. They were

1260
01:35:04.159 --> 01:35:08.560
done by third party appraisers. So
what I want to know is, truly,

1261
01:35:08.640 --> 01:35:12.159
I mean this Ray, who truly
got hurt? Did you? Did

1262
01:35:12.199 --> 01:35:15.960
any New Yorker lose a dime?
Did any New Yorker lose a dime from

1263
01:35:15.000 --> 01:35:20.239
this? The Attorney General set?
Let her answer? Mark, go ahead,

1264
01:35:20.319 --> 01:35:27.199
answer, Let go ahead, Ray. The Attorney General set by using

1265
01:35:27.479 --> 01:35:33.359
those made up LTVs, she got
a benefit that you and I right.

1266
01:35:34.279 --> 01:35:40.640
Ray? Listen, Ray, listen, you keep saying made up LTVs.

1267
01:35:40.800 --> 01:35:43.720
Okay, do you know what LTV
is? You're talking to a squirrel.

1268
01:35:44.239 --> 01:35:47.399
LTV means loan to value. Do
you understand that this lawsuit had nothing to

1269
01:35:47.439 --> 01:35:50.880
do with loan to values. It
had to do with financial statements. And

1270
01:35:51.159 --> 01:35:55.319
the loan to values are not set
by the borrower. They're set by a

1271
01:35:55.359 --> 01:36:00.680
third party appraiser sent by the bank. The bank is the one that sets

1272
01:36:00.720 --> 01:36:04.199
the loan to value, not the
borrower. You have it wrong, Ray,

1273
01:36:04.319 --> 01:36:11.399
Ray, that's what attorney. You
have it wrong about the financial statement.

1274
01:36:11.520 --> 01:36:15.079
It's about the financial statement. It's
about the financial statements. Listen,

1275
01:36:15.520 --> 01:36:19.239
Ray, no one got hurt.
My god, see, this truly is

1276
01:36:19.359 --> 01:36:25.399
Trump derangement. It's incredible. I'm
glad you got to experience. No,

1277
01:36:25.560 --> 01:36:29.640
it truly is, because no one
got hurt and we didn't even get into

1278
01:36:30.159 --> 01:36:36.920
the punishment of four hundred and eighty
million dollars. I'm not going to ask.

1279
01:36:36.960 --> 01:36:42.640
Here's what she's gonna say the the
guy. He's what she said.

1280
01:36:43.000 --> 01:36:47.479
Her entire justification was that we could
not do that. Her entire justification is

1281
01:36:47.640 --> 01:36:55.760
MSNBC. Ray, your entire premise
is wrong. Loan to value is not

1282
01:36:55.960 --> 01:37:01.119
set by Donald Trump. It's not. It's set by the bank and third

1283
01:37:01.199 --> 01:37:08.319
party appraisers. The appraisers don't even
work for the bank. She doesn't get

1284
01:37:08.359 --> 01:37:11.680
it, has nothing to do at
that time, you would explain, but

1285
01:37:11.720 --> 01:37:14.279
I promise you right, I would
let you talk. I know, Mark

1286
01:37:14.600 --> 01:37:18.880
kept interrupting there because she has nothing
to say that makes any sense. So

1287
01:37:19.239 --> 01:37:23.479
I agree with you. I agree
with you on that you're gonna let a

1288
01:37:23.520 --> 01:37:27.079
guy call up and talk about bananas
and strawberries for an hour. Here's what

1289
01:37:27.119 --> 01:37:30.359
I like to do, Mark,
I like them to complete a sentence and

1290
01:37:30.359 --> 01:37:34.399
then I'll decide if they have You're
good at letting them let their own rope

1291
01:37:34.439 --> 01:37:39.279
out so they can hang themselves a
little further. You kind of upset because

1292
01:37:39.279 --> 01:37:43.399
she's a moron. You anticipated or
tried to anticipate what she was gonna say,

1293
01:37:43.399 --> 01:37:45.479
and you were right, But I
don't. What I want to do

1294
01:37:45.560 --> 01:37:48.479
is make sure I'm hearing what I'm
hearing, and then I decide what it

1295
01:37:48.560 --> 01:37:53.840
is. In this case, it's
she just has it wrong, one wrong,

1296
01:37:53.960 --> 01:37:57.600
but you could never convince her.
Do you understand? I gotta say

1297
01:37:57.640 --> 01:38:00.960
this. I I take Polo takes
out of it completely. I wouldn't be

1298
01:38:01.000 --> 01:38:04.199
friends with Donald Trump because he's not
my type. I just don't like.

1299
01:38:04.439 --> 01:38:08.239
Look, this has nothing to do
with pologics. I don't like his personality

1300
01:38:08.279 --> 01:38:12.479
and stuff. Okay, I just
don't like him. But but that,

1301
01:38:13.159 --> 01:38:16.199
but he was, he's done wrong, part of the Trump syndrome within itself.

1302
01:38:16.279 --> 01:38:18.520
No, it isn't. Mark,
I don't like him anybody. If

1303
01:38:18.640 --> 01:38:21.119
I said many of people I don't
like, I'm gonna tell you this,

1304
01:38:21.359 --> 01:38:25.720
regardless apologists. I don't like him. I don't like Biden. I do

1305
01:38:25.880 --> 01:38:28.319
like Obama. I think he was. I like Bill Clinton. I mean

1306
01:38:28.319 --> 01:38:30.159
I'm talking about if I was just
on the surf, Tom, if you

1307
01:38:30.199 --> 01:38:34.880
were kids, I like everybody,
the Russia, Russia and some some hooker

1308
01:38:34.960 --> 01:38:40.159
over in Russia you were peeing on, and all this bs from the Hillary

1309
01:38:40.239 --> 01:38:45.000
campaign back in sixteen. Then it
goes into the entire FBI, the CIA,

1310
01:38:45.159 --> 01:38:49.479
everybody going against him, dealing with
the guy named Fauncy, the news

1311
01:38:49.600 --> 01:38:54.520
kicking him in the balls every day. You'd have a bad attitude too.

1312
01:38:54.600 --> 01:38:58.720
No, I see what you're saying. The argument is what Mark is saying

1313
01:38:58.760 --> 01:39:00.479
is they brought it out. They
brought it out. What else is he

1314
01:39:00.520 --> 01:39:05.000
supposed to do? But we've never
how many indictments, ninety one indictments,

1315
01:39:05.039 --> 01:39:10.640
It's never happened before. No,
I, Mark, I totally agree with

1316
01:39:10.680 --> 01:39:15.279
you that they are attacking him beyond
compare. But that's why he's an ass.

1317
01:39:15.439 --> 01:39:17.960
But here's what I want to tell
you. The very first night he

1318
01:39:19.399 --> 01:39:25.880
won at the Republican at the Republican
headquarters, when he won the election and

1319
01:39:25.920 --> 01:39:30.159
he went up to the podium,
he could have been so conciliatory, he

1320
01:39:30.199 --> 01:39:33.840
could have been so magnanimous. He
could have been but they attacked him like

1321
01:39:34.119 --> 01:39:39.760
never before. It's never happened.
Came first the chicken or the egg?

1322
01:39:40.399 --> 01:39:43.600
Was he an a hole before or
did he become an a hole because he

1323
01:39:43.680 --> 01:39:47.319
had question? And I say the
chicken came after the egg. Yeah,

1324
01:39:47.520 --> 01:39:49.920
well, anyway, I'd like to
know what people think, but I also

1325
01:39:49.960 --> 01:39:53.520
want your problems, question complaints,
of course. And by the way,

1326
01:39:54.760 --> 01:39:58.319
this is kind of weird that that
we're discussing this, because I'll tell you

1327
01:39:58.399 --> 01:40:02.920
why, whatever happens in New York
or whatever happens to California usually happens in

1328
01:40:02.960 --> 01:40:05.600
New York or usually happens to California. In other words, it usually goes

1329
01:40:05.600 --> 01:40:11.680
from California to New York, then
US and then US or or US.

1330
01:40:12.039 --> 01:40:15.680
I mean, did you hear Governor
Polis Loves would love nothing more than for

1331
01:40:15.800 --> 01:40:24.479
us to be called California or Colorado. We are truly, truly a clone

1332
01:40:24.520 --> 01:40:28.199
of everything that's done there. They
eventually bring here. And here's what I'm

1333
01:40:28.239 --> 01:40:34.720
afraid of. If you want to
stifle economics, then you start controlling things

1334
01:40:35.079 --> 01:40:41.680
that don't need controlling. Financial statements. If I want to borrow money from

1335
01:40:41.680 --> 01:40:45.800
someone and they ask for a statement
for me, they can They can dispute

1336
01:40:45.840 --> 01:40:49.439
what I put down there. They
may know that car me and this goes

1337
01:40:49.439 --> 01:40:56.079
to cars and everything artwork. If
they're not asking for appraisals on a financial

1338
01:40:56.159 --> 01:41:00.439
statement, do you understand that they're
asking for opinions they are not requiring.

1339
01:41:00.680 --> 01:41:06.760
It doesn't even say what exactly is
this worth. And when it comes to

1340
01:41:06.800 --> 01:41:12.760
the other part, the loan to
values, those are established by a third

1341
01:41:13.279 --> 01:41:18.319
party and the lender decides what LTV
to do based on value from a third

1342
01:41:18.359 --> 01:41:23.600
party. Those are the facts.
There is nothing to justify what happened.

1343
01:41:28.600 --> 01:41:31.840
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1347
01:41:47.720 --> 01:41:51.520
You'll think you're his only customer when
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1348
01:41:51.560 --> 01:41:57.000
dot com to list your home with
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sixteen twenty two your trouble Shooter three
three seven one three talk three oh three

1350
01:42:04.199 --> 01:42:12.600
seven one three eight two five five
So I did. I did look it

1351
01:42:12.680 --> 01:42:17.439
up on Google and some other places. The lawsuit was about exaggerating his wealth,

1352
01:42:17.479 --> 01:42:23.319
inflating his wealth and had nothing nothing
to do, nothing to do with

1353
01:42:23.439 --> 01:42:29.000
loan to value ratios or bad loans. Nothing. They weren't saying that he

1354
01:42:29.119 --> 01:42:32.560
exaggerated the value of buildings to get
loans. That I could see, Like,

1355
01:42:32.640 --> 01:42:36.439
let's say you paid off an appraiser
or your goosed an appraiser to get

1356
01:42:36.439 --> 01:42:41.800
a higher value to get a higher
loan, That to me would be fraud.

1357
01:42:43.479 --> 01:42:47.880
But to do this, to say
that you exaggerated your wealth and therefore

1358
01:42:48.560 --> 01:42:54.159
you should pay a fine, if
there was no victim there whatsoever, none,

1359
01:42:54.239 --> 01:42:57.119
zero, zippo. I don't care
what you say. There's no victim.

1360
01:42:57.359 --> 01:43:00.359
There's no victim, and there's no
intent to de fraud because if there

1361
01:43:00.399 --> 01:43:03.199
was an intent to defraud, where's
the fraud? Where is it? Where

1362
01:43:03.239 --> 01:43:06.079
is it? Where was the fraud? If you have an intent to defraud,

1363
01:43:06.359 --> 01:43:10.159
shouldn't there be a fraud? If
you have an intent to commit murder,

1364
01:43:10.159 --> 01:43:14.319
but do not commit murder and you
you're just thinking about it, it's

1365
01:43:14.359 --> 01:43:16.479
not a crime yet, is it
unless you do it. Now, if

1366
01:43:16.520 --> 01:43:19.960
you do it, you can't say
it was a mistake, it was involuntary

1367
01:43:20.000 --> 01:43:24.600
manslaughter or something, because you had
the intent. So it becomes first degree

1368
01:43:24.680 --> 01:43:28.960
murder by fraud. You have to
have an intent to defraud. But otherwise

1369
01:43:29.159 --> 01:43:31.960
you still can be guilty. But
it's not an intent, it wouldn't be

1370
01:43:32.000 --> 01:43:39.319
a crime, it would be something
else here here, this is no intent

1371
01:43:39.880 --> 01:43:44.720
because no one was defrauded and there
is absolutely no victim. So but but

1372
01:43:45.560 --> 01:43:49.920
if your last name is Biden,
and you love blow and you love hookers,

1373
01:43:50.159 --> 01:43:58.159
and you love videotaping yourself doing blow
and doing hookers and kicking money to

1374
01:43:58.279 --> 01:44:00.960
the big guy, whoever that is, and it's all on video, you

1375
01:44:01.319 --> 01:44:09.359
have not done anything wrong whatsoever.
Well, Joe has a question on tile

1376
01:44:09.520 --> 01:44:13.520
Joe. Joe, Hi, hey
man, I'm wondering if you can wait

1377
01:44:13.560 --> 01:44:17.640
now your question on tyle is this
something you're doing or something you did something

1378
01:44:17.680 --> 01:44:19.840
I want to do? Okay,
hold on, We'll give you some good

1379
01:44:19.880 --> 01:44:24.640
advice. We have great tile people. I'm Tom Martinez three o three seven

1380
01:44:24.640 --> 01:44:28.079
to one three Talks seven one three
eight two five five. Go with a

1381
01:44:28.119 --> 01:44:31.479
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

1382
01:44:31.680 --> 01:44:40.199
until you're contenth time for an insurance
check up free, no obligation in comparison,

1383
01:44:40.319 --> 01:44:45.199
call Compass Insurance paying too much your
coverage at dozens of insurance companies find

1384
01:44:45.239 --> 01:44:47.520
out now three oh three seven seven
to one help. You'll think you're his

1385
01:44:47.680 --> 01:44:51.680
only customer when you choose Frank durand
the real estate Man dot com to list

1386
01:44:51.720 --> 01:45:00.520
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

1387
01:45:01.760 --> 01:45:11.640
Ripped up you needed, That's who
you don't have. Come running just as

1388
01:45:11.680 --> 01:45:17.319
fast as we can. Shooter's gonna
help. Come man, this is the

1389
01:45:17.479 --> 01:45:24.600
Chabo Shooter Show. No tell me
Martin, I are we using Hi?

1390
01:45:24.680 --> 01:45:28.159
Tom Martino here three oh three seven
one three Talks seven one three eight two

1391
01:45:28.239 --> 01:45:31.520
five five. Welcome to the show. Yeah, we're just talking behind the

1392
01:45:31.520 --> 01:45:34.399
scenes, and then I get like
out of sync and think I'm home in

1393
01:45:34.439 --> 01:45:39.439
the nursing home or whatever. Anyway, welcome to the show. We're here

1394
01:45:39.439 --> 01:45:42.199
to help you solve your problems.
Answer your question. Day complied. I'm

1395
01:45:42.239 --> 01:45:44.600
gonna I'm gonna go right to Courtney. He goes, Right now, things

1396
01:45:44.640 --> 01:45:47.600
are closing on that auction. If
you love auctions, go to rollerauction dot

1397
01:45:47.600 --> 01:45:50.840
com right and then when you go
there, look for buy and build kitchen

1398
01:45:50.880 --> 01:45:55.880
in Bath. That's an auction.
It ended. The first item closed at

1399
01:45:55.920 --> 01:45:59.600
one. And then he's gonna explain
what happens and how you can get screaming

1400
01:45:59.640 --> 01:46:03.039
deals because there are still some items
that have no bids. If you go

1401
01:46:03.079 --> 01:46:05.359
in there, you can get it
for anything. There is no reserve,

1402
01:46:05.800 --> 01:46:12.199
Courtney. So things are closing.
How is it going, Well, it's

1403
01:46:12.239 --> 01:46:15.960
going okay. Certain things are doing
okay, and certain things are going really

1404
01:46:15.000 --> 01:46:18.520
really below price, and there's some
really really good deals to be had.

1405
01:46:18.600 --> 01:46:23.720
Right now, we're on shower faces
that are closing for you know, twenty

1406
01:46:23.760 --> 01:46:27.800
dollars for a tub and shower faucet. Oh my god, those faucets sets

1407
01:46:27.800 --> 01:46:31.680
are beautiful too. And then you
have seek good deals right now. Vessel

1408
01:46:31.720 --> 01:46:36.000
sinks, and I saw some vessel
sinks in I saw some vessel sinks that

1409
01:46:36.039 --> 01:46:41.720
you buy for three four hundred going
for twenty and thirty bucks. Yeah.

1410
01:46:41.720 --> 01:46:44.680
Absolutely, they're still there, sitting
there. I'm looking at a couple of

1411
01:46:44.720 --> 01:46:47.399
them right now under under seventy five
dollars anywhere one at sixty, one at

1412
01:46:47.399 --> 01:46:49.640
fifty five, and on the next
page, I think there's some at twenty

1413
01:46:49.720 --> 01:46:56.039
dollars, and they'll all be closing. And then when right before it closes,

1414
01:46:56.159 --> 01:47:00.000
what happens if you bid like a
few bucks higher? What happened?

1415
01:47:00.640 --> 01:47:02.720
Yeah, if you if you bid
within two minutes of closing, it goes

1416
01:47:02.760 --> 01:47:08.039
into extended bidding for two additional minutes
from when you bid. So that's exciting.

1417
01:47:08.119 --> 01:47:11.960
Thirty seconds left, the other person
gets two minutes to Can you watch

1418
01:47:12.520 --> 01:47:16.560
Can you watch as people do that? Yeah, that's actually what I'm doing

1419
01:47:16.640 --> 01:47:20.039
right now, kind of watching.
Can you watch the battle? Can you

1420
01:47:20.079 --> 01:47:25.199
watch the bids actually coming in?
Yeah? In fact, somebody just bid

1421
01:47:25.239 --> 01:47:28.640
on one of the vanities right now, and so it went back up.

1422
01:47:28.680 --> 01:47:30.680
The timer went back up to two
minutes, so that timer is actually ahead

1423
01:47:30.720 --> 01:47:34.960
of the item. I see it. It's like four three two oh cool

1424
01:47:35.319 --> 01:47:39.479
cool, and you can kind of
see it flash when somebody places a bit

1425
01:47:39.560 --> 01:47:42.279
on it. And so you're gonna
get screwed on some of this stuff,

1426
01:47:42.319 --> 01:47:45.239
Courtney. I mean, I'm looking
at stuff and that's like fifty bucks for

1427
01:47:45.319 --> 01:47:49.199
a full kitchen cabinet. I know
it, I know it. I can't

1428
01:47:49.239 --> 01:47:54.079
believe it. One guy bragged one
time. I think he can on real

1429
01:47:54.159 --> 01:47:57.520
quick and get those bids, inc
I know a guy not to know.

1430
01:47:57.560 --> 01:48:01.399
A guy he called the show got
a kitchen full of his whole kitchen for

1431
01:48:01.600 --> 01:48:05.680
like three or four hundred bucks,
and he did at the last minute.

1432
01:48:05.760 --> 01:48:09.319
I know you're not happy about that, Courtney, but my listeners are,

1433
01:48:09.640 --> 01:48:13.159
by the way, buy and build
kitchen and bath five sixty South Lapad And

1434
01:48:13.239 --> 01:48:15.000
trust me, when they're not on
the auction, you still get great deals.

1435
01:48:15.000 --> 01:48:19.399
And it's a buy and build dot
net. But go to roller auction

1436
01:48:19.479 --> 01:48:23.840
dot com right now. If I
look at something, I'm looking at this

1437
01:48:24.079 --> 01:48:29.560
lot four fifty five. Is it
multiple undermount sinks or is it one?

1438
01:48:30.399 --> 01:48:32.680
Courtney, Well, I think it's
a multiple course. That's what's crazy.

1439
01:48:32.800 --> 01:48:38.399
So for seventeen dollars, I mean
this would only be for a contractor that

1440
01:48:38.439 --> 01:48:43.760
one's only that's only one cent fifty. Hold on, he's gonna look.

1441
01:48:43.800 --> 01:48:47.199
I know that is it is two
saints. I think now that's a oh,

1442
01:48:47.279 --> 01:48:50.600
it's one double sink, one double
cent. It's a kitchen sink.

1443
01:48:50.800 --> 01:48:55.720
I see, but it's eighteen or
seventeen dollars. Yeah, what kind of

1444
01:48:55.760 --> 01:48:59.199
sink is that? Mark? Is
that stainless? It's just a big stainless

1445
01:48:59.199 --> 01:49:03.560
steel kitchens, a double like you'd
find in almost every house. Seventeen bucks?

1446
01:49:03.720 --> 01:49:06.039
How much is that? It?
Like a home? Ta bu fifty

1447
01:49:06.920 --> 01:49:10.720
two hundred and fifty three hundred bucks
on depot and you can get it right

1448
01:49:10.720 --> 01:49:15.000
now for question twenty dollars less than
twenty bucks rollerauction dot com. Right,

1449
01:49:15.079 --> 01:49:17.560
Courtney, thanks a lot, man, I appreciate it. We love being

1450
01:49:17.600 --> 01:49:20.279
part of it. Joe has a
question on tile Joe, what is your

1451
01:49:20.359 --> 01:49:27.279
question on tile time? I just
want to try and pivot from LTV to

1452
01:49:27.439 --> 01:49:31.159
LVT. If we can LVT,
let's get a let's get Buddy Mitchell.

1453
01:49:31.279 --> 01:49:34.399
Yeah, we'll get Buddy Mitchell on
from simply floors. But what's your question?

1454
01:49:34.640 --> 01:49:40.720
Now? You're talking about luxury vinyl
planking LB right, yeah, yeah,

1455
01:49:40.760 --> 01:49:47.359
exactly. And I'm looking at lambinet
tiles. I'm looking at LVT's and

1456
01:49:47.720 --> 01:49:53.560
I'm wondering what what do I have
to look at? I know with the

1457
01:49:54.199 --> 01:49:58.079
with the lambinate tiles, you look
at the thickness of the lamazon top.

1458
01:49:58.880 --> 01:50:01.159
Is there a similar number that I
want to look at with? Well,

1459
01:50:01.560 --> 01:50:08.199
LVT LVT technically LVT is kind of
a laminate, you know what I'm saying.

1460
01:50:08.439 --> 01:50:10.880
So I don't know what you're how
you're making. I think you got

1461
01:50:10.920 --> 01:50:14.319
to look more environment. Are you
talking about super dominates? Right, You're

1462
01:50:14.319 --> 01:50:18.000
talking about a wood laminate over LVT? Right, Well, they have the

1463
01:50:18.520 --> 01:50:24.079
like the Pergo floors that are a
picture of wood. That's right, that's

1464
01:50:24.159 --> 01:50:27.760
right. I think it's environment.
You want waterproof? Do you want scratch

1465
01:50:27.840 --> 01:50:30.680
proof because you have dogs? I
think it's not necessarily the thickness, but

1466
01:50:30.800 --> 01:50:36.199
the environment. Yeah, let's ask
buddy. We'll get Buddy on. He's

1467
01:50:36.239 --> 01:50:40.399
on right now. Hold on,
let's just talk to him. He's our

1468
01:50:40.439 --> 01:50:44.800
expert. Buddy. I know that
we asked this a million times, but

1469
01:50:44.840 --> 01:50:49.479
we have so many listeners tuning in
and out. Explain what a laminate floor

1470
01:50:49.840 --> 01:50:56.600
is. It's a wood core with
a piece of paper on it and a

1471
01:50:56.680 --> 01:51:00.359
finish on top of that. And
the paper looks like wood, right,

1472
01:51:00.920 --> 01:51:03.960
looks like wood or whatever, tile
or whatever. So okay, So it's

1473
01:51:04.119 --> 01:51:09.239
a core, a wood core with
a paper on top of it, with

1474
01:51:09.319 --> 01:51:13.199
a finish to keep that paper on
there, and it looks like whatever you

1475
01:51:13.239 --> 01:51:15.439
want it to look like. That
is called a laminate. Now, what

1476
01:51:15.600 --> 01:51:24.600
is an engineered floor? That is
usually plywood with a solid piece of real

1477
01:51:24.720 --> 01:51:30.479
wood as the top. So that's
why. So there's engineered floors, there

1478
01:51:30.560 --> 01:51:35.479
are laminate floors. There are solid
hardwood floors. And then explain to him

1479
01:51:35.520 --> 01:51:43.840
what LVP is. LVP in its
as it's known today, is an engineered

1480
01:51:43.960 --> 01:51:48.279
vinyl it's it's it's it's seat vinyl
that they've engineered to go together like a

1481
01:51:48.399 --> 01:51:54.119
laminate or an engineered floor. Now, does the LVP out of plastic?

1482
01:51:54.399 --> 01:51:59.399
Yeah, it's made out of plastic. LVP stands for Luxury vinyl plank,

1483
01:51:59.720 --> 01:52:02.840
right or luxury vinyl tile. The
only difference between the two is one looks

1484
01:52:02.880 --> 01:52:05.880
like tile and the other looks like
wood. Okay. Now, on the

1485
01:52:06.079 --> 01:52:12.359
on the l VP or LVT is
the top finish a picture or is it

1486
01:52:12.479 --> 01:52:15.000
plastic or is it paper? What
is it? It's paper? Oh it

1487
01:52:15.079 --> 01:52:19.079
is okay, Yeah, it's the
same thing as laminate, okay, except

1488
01:52:19.199 --> 01:52:25.840
the core. The core is made
out of plastic in stone or plastic in

1489
01:52:25.880 --> 01:52:31.520
wood. WPC stands for wood polymer
core. SPC stands for stone polymer core.

1490
01:52:32.000 --> 01:52:35.479
What do you like better? What
do you like better? Stone polymer

1491
01:52:35.840 --> 01:52:41.359
or the wood polymer or the or
the accuse me, plastic or the stone

1492
01:52:41.520 --> 01:52:45.760
or the engineered floor or excuse me
or the laminate floor? What do you

1493
01:52:45.840 --> 01:52:49.600
like better? Well, it depends
on what the homeowner is looking for.

1494
01:52:49.720 --> 01:52:58.840
If they're looking for water water protection, LVP is better at that. Okay.

1495
01:52:59.640 --> 01:53:04.439
It is not waterproof, that's a
lie. It's waterproof topically, so

1496
01:53:04.479 --> 01:53:10.359
if you mop your floor with with
a lot of water, it won't get

1497
01:53:10.439 --> 01:53:18.720
damaged. High end lamin it like
redwood or restoration collection from Mannington. Those

1498
01:53:18.760 --> 01:53:23.560
are now topically waterproof. They used
to not be. They fix that.

1499
01:53:24.279 --> 01:53:26.960
And you know, if I were
going to put in a floor in my

1500
01:53:27.079 --> 01:53:31.359
house, I'd put lamine. You
would over LVP. Now what about engineer

1501
01:53:31.439 --> 01:53:35.039
floor? Why wouldn't you put an
engineered flooring? I have that in my

1502
01:53:35.079 --> 01:53:40.239
house. That's what I put in, but it's not nearly as durable as

1503
01:53:40.399 --> 01:53:44.000
lamin. Wow. Okay, So
Joe, do you have a specific question

1504
01:53:44.039 --> 01:53:47.880
for him on this? Well,
I'm seeing a lot of price difference between

1505
01:53:48.199 --> 01:53:57.239
different styles or different types of planking, and I'm wondering how I determine it,

1506
01:53:57.319 --> 01:53:59.600
you know, should I pay more? Should I pay less? Are

1507
01:53:59.600 --> 01:54:03.359
they all the same? What do
I look for in the in the specifications

1508
01:54:03.399 --> 01:54:09.600
on the on the stuff. Well, buddy, what do you think I'm

1509
01:54:09.600 --> 01:54:14.079
gonna I'm gonna really, you pay
what you get for. Yeah, get

1510
01:54:14.119 --> 01:54:15.960
what you pay for, that's right. Okay, I'd say a good bang

1511
01:54:16.000 --> 01:54:19.399
for the bucks at Proximity Mills.
What do you think of that stuff?

1512
01:54:19.439 --> 01:54:24.319
Buddy? Oh, that's really good. Yeah. Let me just say this

1513
01:54:24.359 --> 01:54:26.800
to you. Okay, if you
want an engineered floor, and you want

1514
01:54:26.840 --> 01:54:30.479
a really good engineered floor, you're
going to spend seven to twelve dollars a

1515
01:54:30.479 --> 01:54:34.920
square foot. It is what the
benefit of real wood or engineered wood?

1516
01:54:34.960 --> 01:54:40.640
Which engineered wood is real wood?
Yeah? Is? Every plank is different.

1517
01:54:41.800 --> 01:54:45.199
When you put it down, it
looks like a million dollar floor and

1518
01:54:45.279 --> 01:54:48.800
a million dollar house. Okay,
if you go down to the bule mansion

1519
01:54:48.960 --> 01:54:54.840
estates right down here in Denver,
where like Broncos live right and you go

1520
01:54:54.920 --> 01:55:00.720
into those houses, those floors have
wide wood floors. Every plank is different.

1521
01:55:01.399 --> 01:55:06.520
Everything about him is beautiful and luxury. Okay. The problem with him

1522
01:55:06.640 --> 01:55:11.279
is if you have a sixty five
pound Golden Retriever or one hundred pound Golden

1523
01:55:11.279 --> 01:55:15.479
Retriever or a Watte Riler and he
runs across your floor, you're gonna get

1524
01:55:15.479 --> 01:55:19.279
grooves in your floor where his nail
dig into it. Okay, you can

1525
01:55:19.319 --> 01:55:26.079
get really really close looks wise with
a laminate laminate when you put it down

1526
01:55:26.239 --> 01:55:30.840
there, it's really hard to tell
the difference between a good quality laminate and

1527
01:55:30.920 --> 01:55:36.359
an engineered floor. Where you're gonna
see the difference is in the pattern repeat,

1528
01:55:36.840 --> 01:55:42.319
okay, meaning a piece of laminate
about every sixth or eighth board is

1529
01:55:42.359 --> 01:55:45.800
going to be pretty much identical.
And so if you're if you're sensitive to

1530
01:55:45.840 --> 01:55:50.239
that, you're going to see that
same exact thing with laminate laminate about or

1531
01:55:50.359 --> 01:55:57.119
LVP LVP about six or eight boards. LVP has a couple of benefits cost

1532
01:55:57.239 --> 01:56:01.239
wise, laminate and engineered world.
It has to go down on the original

1533
01:56:01.239 --> 01:56:10.159
floor, meaning your plywood subfloor or
your concrete. LVP can go over nailed

1534
01:56:10.199 --> 01:56:13.399
down wood. So if you have
an older house and you're going to put

1535
01:56:13.439 --> 01:56:15.840
down and you have wood in there, like you know, two and a

1536
01:56:15.880 --> 01:56:20.720
quarter inch red oak, you can
put a thin LVP. LVP is really

1537
01:56:20.760 --> 01:56:26.840
thin, but the stone core stuff
doesn't dent. It's really really durable.

1538
01:56:27.239 --> 01:56:30.399
When you go durability, you go
porcelain tile, then you go lamb in

1539
01:56:30.479 --> 01:56:35.560
it, then you go LVP,
then you go engineered wood. Engineered wood

1540
01:56:35.760 --> 01:56:40.640
is what you know. Like I
own a flooring store and my wife wanted

1541
01:56:40.680 --> 01:56:44.079
the most beautiful floors you could put
in, and that was an engineered wood

1542
01:56:44.119 --> 01:56:47.000
floor. It was also kind of
dumb for us because we have two golden

1543
01:56:47.039 --> 01:56:51.279
retrievers that weigh about seventy pounds and
when they run across our floor, they

1544
01:56:51.319 --> 01:56:56.680
mark it up. So we have
little area rugs everywhere to prevent that.

1545
01:56:57.039 --> 01:57:00.600
If we would have put in a
laminate floor, would say, oh,

1546
01:57:00.640 --> 01:57:03.960
that's cheaper, and it is.
It's a lot cheaper, but you can

1547
01:57:04.039 --> 01:57:09.439
get almost the same look out of
a laminate floor as you do engineered wood

1548
01:57:09.920 --> 01:57:15.600
or real wood. All right now, and LVP elvid in LVP buddy buddy,

1549
01:57:15.640 --> 01:57:17.520
I'm going to tell you something,
or go ahead, sorry, Joe.

1550
01:57:17.600 --> 01:57:23.760
Gone, is the Laminate war slippery
for dogs now in particular than the

1551
01:57:23.800 --> 01:57:28.760
final? No, it's about the
same, okay. So yeah, but

1552
01:57:28.840 --> 01:57:31.279
I'm going to tell you you need
to spend on whether you go LVP lamb

1553
01:57:31.319 --> 01:57:34.479
in it. There's been a race
to the bottom, okay. And when

1554
01:57:34.520 --> 01:57:39.760
you which I mean is LVP came
out on the market, it was Cortech

1555
01:57:39.880 --> 01:57:44.680
they invented the stuff, or they
actually they were the first. Cortech was

1556
01:57:44.720 --> 01:57:49.560
the first company to introduce engineered LVP
in the United States. And when it

1557
01:57:49.600 --> 01:57:55.920
came out it was about five bucks
a square foot, okay, right between

1558
01:57:56.239 --> 01:58:00.039
two than and ten and twenty and
twenty four. The price they've got it

1559
01:58:00.079 --> 01:58:03.479
down to where you can buy it
for two twenty five now preson twenty five.

1560
01:58:03.520 --> 01:58:06.239
Stuff is junk now, Buddy,
I got I got to take a

1561
01:58:06.239 --> 01:58:08.920
break. But here's what I'm gonna
tell them. Man, I don't know

1562
01:58:09.000 --> 01:58:12.279
why it's not obvious to him,
Joe. What am I going to tell

1563
01:58:12.319 --> 01:58:16.279
you next? Go to simply floors, go to cyth No, No,

1564
01:58:16.760 --> 01:58:19.800
that well, that auction there.
I don't know if they have any of

1565
01:58:19.840 --> 01:58:23.600
those floors, But here's what I
wanted to tell you. No, no,

1566
01:58:23.640 --> 01:58:26.399
there's nothing wrong with that roller auction
dot com. They're closing right now.

1567
01:58:26.399 --> 01:58:29.720
But here's what I want to tell
you, Simplyfloorsinc. Dot Com.

1568
01:58:29.760 --> 01:58:32.079
Buddy and Caring. There's no one
better. There's really, honest to god,

1569
01:58:32.159 --> 01:58:34.840
no one better than Buddy and Karen, simply for saying, hey,

1570
01:58:34.840 --> 01:58:39.520
Buddy, one quick question. Okay, I know a few weeks ago you

1571
01:58:39.520 --> 01:58:43.199
were down. You had to cancel
your hear because of your voice and your

1572
01:58:43.239 --> 01:58:46.960
thru I can still hear it.
Are you still sick, bro? Yeah,

1573
01:58:47.000 --> 01:58:50.399
it's been three weeks and I went
to the doctor yesterday and they're gonna

1574
01:58:50.399 --> 01:58:55.439
get me some steroids to get rid
of this holy crap scratchiness. Yeah.

1575
01:58:55.479 --> 01:58:59.960
There's two people in my office got
it too, and they took anti buyouts

1576
01:59:00.319 --> 01:59:03.560
and everything, and nothing helped until
they took steroids. My god, I

1577
01:59:03.600 --> 01:59:06.920
because when you were sick and then
I still heard it today, I thought

1578
01:59:08.000 --> 01:59:10.960
it cannot possibly be well. I
got to tell you, eyak, thank

1579
01:59:11.000 --> 01:59:29.439
you, buddy. Simply floorsink dot
com. Hey, I'm Tom Martinez.

1580
01:59:29.439 --> 01:59:31.880
You're troubleshooter. Three oh three seven
one three talk oh seven one, three,

1581
01:59:31.960 --> 01:59:36.199
eight, two, five, five. Welcome, let's talk. We

1582
01:59:36.279 --> 01:59:42.479
have Richard. He's a frequent texter. To me. You have a question,

1583
01:59:42.479 --> 01:59:45.760
Go ahead, Richard. What's going
on? Tom? I've got that

1584
01:59:45.920 --> 01:59:51.199
roller auction website open. Tell me
how to get over to buy and build?

1585
01:59:51.640 --> 01:59:57.520
Okay, if you're at if you're
at rollerauction dot com that it was

1586
01:59:57.600 --> 02:00:00.479
on the front page and it should
be. Let me just find it.

1587
02:00:00.520 --> 02:00:03.199
Okay. What I see are five
categories. No, if you go to

1588
02:00:03.279 --> 02:00:06.359
okay, let me look at it
right now, rollerauction dot Com. And

1589
02:00:06.439 --> 02:00:12.079
I may have to uh and and
if you go on there, you see

1590
02:00:13.479 --> 02:00:15.760
damn it. I just want to
try. Okay, let me look at

1591
02:00:15.760 --> 02:00:18.319
it here. Buy and build is
the very first frame, the very first

1592
02:00:18.319 --> 02:00:21.960
one, buy and build. If
you're at rollerauction dot com, R O

1593
02:00:23.159 --> 02:00:27.600
L L E R do you see
buy and build? No, roller Auction

1594
02:00:27.640 --> 02:00:31.600
dot come forward slash. That's the
homepage. I see Colorado's premiere online and

1595
02:00:31.720 --> 02:00:38.399
five categories. I okay, you
got to move down, move down below

1596
02:00:38.439 --> 02:00:43.319
that and it says auction upcoming upcoming
right, that's right. Then over to

1597
02:00:43.359 --> 02:00:49.560
the left the first one, buy
and build. See it all just see

1598
02:00:49.800 --> 02:00:51.439
oh yeah, yeah, yeah,
I see it, Tom, Thank you.

1599
02:00:51.560 --> 02:00:56.600
Then go to the bottom and hit
the hit bidding available right now?

1600
02:00:56.680 --> 02:01:01.199
Hit that. Did you see the
stretch Armstrong like hot No, they're toys.

1601
02:01:01.199 --> 02:01:05.159
They're like stretch Armstrong, but they're
hot dogs and buns. Oh my

1602
02:01:05.239 --> 02:01:10.079
god. Anyway, Keith, what's
going on with you? Keith? Welcome

1603
02:01:10.119 --> 02:01:13.680
to the show. I'm Tom Martinez. What's happening? Hey? Tom?

1604
02:01:14.079 --> 02:01:16.239
I have a question. I have
a friend who had a car repossessed,

1605
02:01:16.760 --> 02:01:23.800
and I am wondering, is there
any legal requirements then to notify? No?

1606
02:01:23.800 --> 02:01:26.239
No, no, they don't notify. Of course they don't notify you.

1607
02:01:26.800 --> 02:01:29.560
That's the whole idea of a repossess
it. It's all in the agreement.

1608
02:01:29.640 --> 02:01:32.359
Now. They have to have a
promisory note they have to have which

1609
02:01:32.399 --> 02:01:38.600
is a loan and a security agreement
under the rules and procedures of the UCC,

1610
02:01:39.079 --> 02:01:43.720
and then they have to have well
that's it. And then usually what's

1611
02:01:43.880 --> 02:01:46.800
what's worse about a repossession is they
can accelerate the loan if you want to

1612
02:01:46.800 --> 02:01:51.520
get it back, then they can
choose in most loans to make you pay

1613
02:01:51.560 --> 02:01:56.439
it in full and not just their
rearage. To bring it up to date.

1614
02:01:56.960 --> 02:02:00.119
Now, if they did not break
the rules in the contract and they

1615
02:02:00.119 --> 02:02:02.479
were up to date and they repossessed
it, they might be able to get

1616
02:02:02.520 --> 02:02:06.479
something done for sure. If it
was repossessed and they did and they really

1617
02:02:06.520 --> 02:02:13.199
had paid, like a mistake,
tell us your story. Well, I

1618
02:02:13.199 --> 02:02:17.119
guess what I'm asking is not beforehand. But aren't they required to tell you

1619
02:02:17.159 --> 02:02:21.600
if the car was repossessed after they
repossessed it. No, Nope, because

1620
02:02:21.640 --> 02:02:27.760
they sat there and they will eventually. They will eventually tell you they're going

1621
02:02:27.840 --> 02:02:30.279
to sell it. They do do
this. They do call up the police.

1622
02:02:30.359 --> 02:02:34.039
I don't know if it's Colorado State
Patroller of the county and they tell

1623
02:02:34.119 --> 02:02:39.359
them so if it gets reported stolen, it's not. Well, that's what

1624
02:02:39.439 --> 02:02:43.760
happened is they reported the car stolen, but then on the day that it

1625
02:02:43.840 --> 02:02:45.239
was supposed to go to auction,
they said, if you don't come up

1626
02:02:45.239 --> 02:02:49.079
with the money today, I'm like, you could have told them this forty

1627
02:02:49.119 --> 02:02:53.039
eight hours, within twenty four to
forty eight hours after you repossessed it,

1628
02:02:53.079 --> 02:02:56.279
but you wait, hold on till
the twelfth day. How they hold on?

1629
02:02:56.840 --> 02:03:01.920
Are you saying that they held it
for twelve days and the day before

1630
02:03:01.960 --> 02:03:09.119
the auction said you better pay or
we're selling it. Yes, I'm not

1631
02:03:09.159 --> 02:03:12.760
sure about that. I'm really not
to be very honest with you. I'm

1632
02:03:12.800 --> 02:03:17.199
not sure what the notification requirements are
for redeeming that, for selling it.

1633
02:03:17.520 --> 02:03:21.359
I'm really not for liquidating that.
I think if it was a buy here,

1634
02:03:21.560 --> 02:03:28.039
pay here, it could be contractual
when you purchase the vehicle. No,

1635
02:03:28.039 --> 02:03:30.920
no, but there are still there
are still codes, the Universal Commercial

1636
02:03:30.920 --> 02:03:36.039
Code. No matter what, you
can't your contract can't supersede the UCC.

1637
02:03:36.560 --> 02:03:40.439
I just need to know. I
need to figure this out and look in

1638
02:03:40.520 --> 02:03:45.720
my past calls. I don't know
after a repossession, I do not know

1639
02:03:45.840 --> 02:03:49.199
if they have to notify you before
they sell it or chuse me, how

1640
02:03:49.239 --> 02:03:54.279
many days before the sale do they
have to notify you. I don't know

1641
02:03:54.359 --> 02:03:58.039
the answer, but we're going to
find out. Hold on, I'm going

1642
02:03:58.079 --> 02:04:00.079
to try to find out, all
right, So don't go away at three

1643
02:04:00.159 --> 02:04:03.199
o three, seven to one to
three, talk Gene. What is your

1644
02:04:03.279 --> 02:04:09.079
question? Gene? Oh hi,
I have a question on a contract law.

1645
02:04:10.199 --> 02:04:14.319
My daughter had a contract for an
event this summer and the event was

1646
02:04:14.359 --> 02:04:23.119
canceled. But the contract includes service
and consumers booths like plates in beverages as

1647
02:04:23.159 --> 02:04:28.680
well as a gratuity and a damage
deposit, and the contract was written such

1648
02:04:28.720 --> 02:04:31.119
that she has to pay the entire
infull No, wait a minute, Wait

1649
02:04:31.119 --> 02:04:38.560
a minute. She had a contract
with a venue to provide stuff, right,

1650
02:04:39.399 --> 02:04:42.439
And what was going on at the
time this event? What was it?

1651
02:04:43.479 --> 02:04:46.239
She was engaged to be married and
the engagement is off. Well oh

1652
02:04:46.279 --> 02:04:51.760
wait wait wait she was going to
get married at this venue? Right the

1653
02:04:53.159 --> 02:04:58.560
yes? Okay, And so it
was a it was a wedding venue and

1654
02:04:58.600 --> 02:05:02.399
she signed a contract for and in
the contract they had to provide a bunch

1655
02:05:02.399 --> 02:05:06.319
of stuff, which now they don't
have to provide. And how long did

1656
02:05:06.359 --> 02:05:13.920
she have By contract, they will
specify what the liquid data damages are and

1657
02:05:14.159 --> 02:05:19.439
usually you get you get less damages
to pay the sooner you cancel. So

1658
02:05:19.880 --> 02:05:26.000
how much time before the event did
she cancel? About three and a half

1659
02:05:26.119 --> 02:05:30.359
months. Okay, so she about
three and a half months before she canceled.

1660
02:05:30.720 --> 02:05:35.680
What does the contract say in the
event of cancelation? What does the

1661
02:05:35.760 --> 02:05:40.920
contract say? It's worded such that
it needs to be paid in full.

1662
02:05:41.520 --> 02:05:45.239
It is it is worded that way
that if now, if she canceled the

1663
02:05:45.319 --> 02:05:47.319
day after she signed it, she
wouldn't have had to pay in full,

1664
02:05:47.359 --> 02:05:51.520
would she? Yes, yes,
that doesn't make sense to me because they

1665
02:05:51.600 --> 02:05:56.199
can mitigate that damage. But you're
how long ago did she sign it?

1666
02:05:56.279 --> 02:05:59.880
How much? Like a year before
the wedding or what? Oh? I

1667
02:06:00.239 --> 02:06:03.520
think it was signed in February.
In the event was in late June.

1668
02:06:03.800 --> 02:06:08.479
So so okay, February March aprilm
okay, Well that's not a lot of

1669
02:06:08.479 --> 02:06:13.640
time, that's why. So there
her contracts said that if she cancels at

1670
02:06:13.760 --> 02:06:17.720
any time, she's going to pay
the whole thing. Yes, Now you're

1671
02:06:17.760 --> 02:06:20.800
saying that doesn't seem fair because they
didn't have to provide anything, right,

1672
02:06:21.479 --> 02:06:27.560
correct, Okay, I get your
reasoning, and contracts do have to be

1673
02:06:27.640 --> 02:06:31.119
reasonable. However, you might lose
this one. You really how much?

1674
02:06:31.359 --> 02:06:35.800
How much is she going to have
to owe? How much the deposit and

1675
02:06:35.960 --> 02:06:41.960
what's the whole charge altogether? It's
in the ball park of seven thousand.

1676
02:06:43.039 --> 02:06:46.199
So did she put a deposit down? She did, and there was a

1677
02:06:46.239 --> 02:06:53.359
payment schedule, so everything right.
So she had about like eighteen hundred left,

1678
02:06:53.720 --> 02:06:56.760
which they promptly built. So she
thought she was going to get at

1679
02:06:56.840 --> 02:07:01.479
least some of the money back.
Right, This is very unfortunate because you

1680
02:07:01.560 --> 02:07:06.800
might lose this one. The contract
would have to be considered unconscionable for you

1681
02:07:06.880 --> 02:07:12.319
not to lose it, and I
mean for you to ye to win.

1682
02:07:12.840 --> 02:07:16.560
I don't know if it's unconscionable that
three and a half months before a wedding

1683
02:07:16.680 --> 02:07:20.439
venue they want to be paid in
full. And I know you're making the

1684
02:07:20.560 --> 02:07:25.359
argument that they had to supply certain
things. Do you know the value of

1685
02:07:25.439 --> 02:07:30.680
the hard goods they had to supply
the venue itself was three thousand and the

1686
02:07:30.720 --> 02:07:38.520
rest would have been like tips in
beverages and plates. Huh. I don't

1687
02:07:38.560 --> 02:07:41.560
know. I really don't know on
that one, because you can make the

1688
02:07:41.680 --> 02:07:45.239
argument that they can sell those plates
and beverages to mitigate damages. But I

1689
02:07:45.239 --> 02:07:50.000
don't know. What you might want
to do listen, is pay it okay,

1690
02:07:50.359 --> 02:07:54.640
and then because by contract, you
have to pay it, and then

1691
02:07:54.680 --> 02:07:58.279
you may want to do a small
claims core saying that you feel you should

1692
02:07:58.279 --> 02:08:00.800
get some back. I don't know, not going to get all of it

1693
02:08:00.880 --> 02:08:05.560
back. At best, you would
get back to plates and beverages in my

1694
02:08:05.680 --> 02:08:09.680
opinion, But that's not a legal
opinion. That's a logical opinion, but

1695
02:08:09.720 --> 02:08:11.039
that doesn't always work. What do
you think, Mark, do you think

1696
02:08:11.199 --> 02:08:15.039
if she paid in full, she
would go after them. Say, listen,

1697
02:08:15.079 --> 02:08:16.760
you didn't have to give me the
plates, and I get the tips

1698
02:08:18.079 --> 02:08:20.880
and I get the venue, but
I don't get the materials. I don't

1699
02:08:20.920 --> 02:08:24.119
know what a giant said, man, I mean it's a it's a crapshoot.

1700
02:08:24.199 --> 02:08:28.520
Gene is a crapshoot, and no
telling what would happen on this hey,

1701
02:08:28.560 --> 02:08:33.119
on this repossession deal. Yeah,
it's kind of interesting. So this

1702
02:08:33.199 --> 02:08:37.039
is from an attorney's website in Colorado. Yeah, that's what I'm looking up

1703
02:08:37.039 --> 02:08:39.159
at the same time. Go ahead, okay, let's take this break and

1704
02:08:39.199 --> 02:08:43.199
get back. I want to know
if they have to notify you before they

1705
02:08:43.239 --> 02:08:48.960
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1706
02:08:48.960 --> 02:08:54.640
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02:08:54.760 --> 02:08:58.960
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02:09:00.159 --> 02:09:03.960
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1709
02:09:03.119 --> 02:09:07.479
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1710
02:09:07.479 --> 02:09:11.199
you choose Frank durand the real estate
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1711
02:09:11.319 --> 02:09:22.119
Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom Margino

1712
02:09:22.159 --> 02:09:28.319
here. Okay, Jay wanted to
know excuse me, Keith wanted to know

1713
02:09:28.680 --> 02:09:31.279
what goes on when they repossess the
car and they sell it. They called

1714
02:09:31.279 --> 02:09:35.199
them the day before and said,
you can pay it off or we're going

1715
02:09:35.279 --> 02:09:37.279
to sell it. And Keith wants
to know, why didn't they notify this

1716
02:09:37.359 --> 02:09:41.239
guy before they had it for twelve
days? Mark? What does the law

1717
02:09:41.319 --> 02:09:46.079
say there? It's interesting. So
the first question I would have for him,

1718
02:09:46.119 --> 02:09:50.239
do you know if that vehicle ever
got repolled before? Or did they

1719
02:09:50.319 --> 02:09:54.880
ever? And I don't care from
the time whoever owned it till now,

1720
02:09:54.199 --> 02:09:58.600
did they ever? Were they ever
more than ten days late on the payment?

1721
02:10:00.560 --> 02:10:03.239
Well? They at one time.
What does that have to do with

1722
02:10:03.279 --> 02:10:05.399
it? They'll tell you once I
get the answer, say that again.

1723
02:10:05.479 --> 02:10:09.800
But they at one time they were
laid on a payment, but they got

1724
02:10:09.800 --> 02:10:13.079
it paid up on time, or
they got it paid up within the period

1725
02:10:13.079 --> 02:10:16.119
they gave them. Okay, but
that was a few months ago, and

1726
02:10:16.199 --> 02:10:20.720
this time it happened because their credit
card got hacked and they forgot to update

1727
02:10:20.760 --> 02:10:26.199
their auto pay with that old credit
card. So Colorado law says ten days

1728
02:10:26.560 --> 02:10:31.960
they can start the repossession process.
That doesn't mean actually repossessing the car.

1729
02:10:33.359 --> 02:10:37.920
That means basically send a right to
cure the debt. So if they ever

1730
02:10:37.039 --> 02:10:41.039
did that in the past, they
only have to do it once. So

1731
02:10:41.119 --> 02:10:46.760
if you fall behind on payments a
second time, they don't need any notification

1732
02:10:46.520 --> 02:10:50.000
period, end of story, to
go get the car. Now, let's

1733
02:10:50.079 --> 02:10:54.800
talk about after they do get the
car and it's in the bank or the

1734
02:10:54.840 --> 02:10:58.760
dealer's possession, they can do whatever
they want with it at any time they

1735
02:10:58.840 --> 02:11:01.239
want with it. Really, they
most can they get it and then sell

1736
02:11:01.279 --> 02:11:05.840
it the next day. Most lenders, if you came up with the entire

1737
02:11:05.840 --> 02:11:09.680
amount ode on the vehicle, plus
whatever the repo fees are, plus whatever

1738
02:11:09.720 --> 02:11:15.159
the storage fees, whatever is available
by law, then they might give it

1739
02:11:15.199 --> 02:11:18.159
back to you. But they don't
have to. No, they said,

1740
02:11:18.800 --> 02:11:22.640
are you kidding me? So there
and that's all from I'm going to give

1741
02:11:22.680 --> 02:11:24.359
this woman. Let me ask you
this. So if they notify you,

1742
02:11:24.880 --> 02:11:28.640
then they take the car. After
notification, it's not a notification that we're

1743
02:11:28.640 --> 02:11:31.600
going to repossess the car. It's
a notification that you have to pay your

1744
02:11:31.600 --> 02:11:35.119
debt. If you don't do it, they can take your car. And

1745
02:11:35.319 --> 02:11:39.159
after they take it they owe you. They owe you nothing. Yes,

1746
02:11:39.199 --> 02:11:43.600
so this is from the law office
of Clark Daniel Dre. She's in Colorado.

1747
02:11:43.920 --> 02:11:48.680
I'm sorry he's in Colorado. But
it basically says the first step in

1748
02:11:48.720 --> 02:11:52.960
the repossession process is a notice to
right to cure. This informs you you're

1749
02:11:52.039 --> 02:11:58.600
behind in payments. Then done,
and you have twenty days to catch up

1750
02:11:58.640 --> 02:12:01.359
on payments. If you're able to
come up with the money, the process

1751
02:12:01.399 --> 02:12:07.600
stops and things go back to normal. However, if you ever ever fall

1752
02:12:07.680 --> 02:12:13.079
behind again, the lender is not
required to send any notices whatsoever, and

1753
02:12:13.159 --> 02:12:18.720
they can come repossess the car.
Now, once it's in the repossessor's possession,

1754
02:12:18.119 --> 02:12:22.039
they can do whatever they want with
it. Well, so the answer

1755
02:12:22.119 --> 02:12:24.800
Keith is they can do it.
I'm sorry, man, they can do

1756
02:12:24.840 --> 02:12:28.880
it. Yeah, look up the
law office of Clark Daniel Dre and you'll

1757
02:12:28.880 --> 02:12:33.359
see what I'm reading. Now.
Jay has a comment on this woman who

1758
02:12:33.399 --> 02:12:37.880
called with a venue a contract for
her wedding at a venue she canceled three

1759
02:12:37.880 --> 02:12:41.680
and a half months before the wedding
and they're still charging her the full amount.

1760
02:12:43.079 --> 02:12:46.199
By contract it says the full amount
is due. But her argument is

1761
02:12:46.279 --> 02:12:52.000
you didn't have to supply beverages or
plates. What's your comment, Jay,

1762
02:12:52.239 --> 02:12:56.800
A couple things one, whatever the
value of that is. I definitely just

1763
02:12:56.920 --> 02:13:00.239
meet them at the venue and say, good, bring it in me.

1764
02:13:00.279 --> 02:13:05.680
I paid for it. Oh,
I never thought of that. When you

1765
02:13:05.720 --> 02:13:09.720
get there, the odds are if
it's a nice weekend and somebody wanted it,

1766
02:13:09.800 --> 02:13:13.319
they've already had backup plans. People
are already going to be there,

1767
02:13:13.079 --> 02:13:18.359
then that's egregious. They're charging them
for something they had. Well wait a

1768
02:13:18.359 --> 02:13:22.439
minute, how do we know.
I'm trying to think of the last wedding

1769
02:13:22.479 --> 02:13:26.399
I went to. I think we
actually had plates, So I don't think

1770
02:13:26.439 --> 02:13:30.239
they're literally charging for the plates.
I would think it would be for the

1771
02:13:30.359 --> 02:13:35.279
cleaning and that form of stuff.
Or do you think they're literally charging like

1772
02:13:35.960 --> 02:13:39.479
you get to take home the plates? Or are we talking their paper plates?

1773
02:13:39.479 --> 02:13:43.439
If they were glass in China and
all that, then they're charging for

1774
02:13:43.680 --> 02:13:46.840
use. Hold on, I've ever
been to a wedding and ate off a

1775
02:13:46.880 --> 02:13:52.800
paper plate. They're charging for use
of the stuff so well, I doubt

1776
02:13:52.800 --> 02:13:56.399
I don't know. To me,
whatever it is, if it's disposable,

1777
02:13:56.399 --> 02:13:58.079
If they're disposable, yeah, if
you paid them as you get them.

1778
02:13:58.239 --> 02:14:03.199
If not, if if it turns
out their their glass, china then or

1779
02:14:03.199 --> 02:14:07.840
whatever, you know, then that
means reusable stuff. That means you paid

1780
02:14:07.840 --> 02:14:11.600
for the use of them. So
but they could give you the beverages.

1781
02:14:11.760 --> 02:14:15.199
I look at it as anything else. I want to take a little step

1782
02:14:15.239 --> 02:14:18.199
back on here. If I buy
a plane ticket and it's not refundable and

1783
02:14:18.279 --> 02:14:22.359
I bought it a year in advance, and I decide six months out,

1784
02:14:22.399 --> 02:14:26.079
I'm not gonna go. That's on
me. It's I think it's going to

1785
02:14:26.159 --> 02:14:30.039
fall back to the exact same thing, a hotel anything. They made an

1786
02:14:30.039 --> 02:14:33.560
agreement, and I would assume they
signed a contract saying that there is no

1787
02:14:33.720 --> 02:14:37.479
backing out of this. It is
what it is, and they admit that.

1788
02:14:37.520 --> 02:14:41.640
Three h three seven one three eight
two five five. Hi, Tom

1789
02:14:41.640 --> 02:14:46.039
Martine, don't get waterpros dot net
for the best water system's lowest prices drinking

1790
02:14:46.079 --> 02:14:52.520
water at the kitchen sink just fourteen
hundred bucks waterpros dot Net. Now,

1791
02:14:52.520 --> 02:14:58.000
Mark, I'm gonna get to my
calls. But mark on solar hoas can

1792
02:14:58.039 --> 02:15:01.520
they prevent you from putting a solar
system up. No, In fact,

1793
02:15:01.520 --> 02:15:05.399
they can only make an adjustment.
But if it affects your system more than

1794
02:15:05.479 --> 02:15:09.920
ten percent loss, they can't do
anything about it. But obviously if you

1795
02:15:09.960 --> 02:15:11.359
have a condo or something, you
can't do it. We're talking about single

1796
02:15:11.359 --> 02:15:13.960
family homes. Condos you can still
do it. If you pay for your

1797
02:15:13.960 --> 02:15:18.439
electric bill and you own your roof, you can. Okay, so I

1798
02:15:18.520 --> 02:15:22.000
have a town home maybe Okay,
Now what deals are going on right now?

1799
02:15:22.039 --> 02:15:24.000
You have? You are really getting
into the financing. Yeah, the

1800
02:15:24.000 --> 02:15:30.680
commercial thing is really the commercial installs
are big right now in Colorado. Well,

1801
02:15:30.720 --> 02:15:33.439
with the best scenario, how much
can be paid for in a regular

1802
02:15:33.479 --> 02:15:35.199
solar system? Now, I know
the rural systems have these special grounds,

1803
02:15:35.239 --> 02:15:39.760
but we're talking about in an urban
setting with a commercial property. What's the

1804
02:15:39.800 --> 02:15:43.039
most you can get paid? Do
you think with everything all in, everything

1805
02:15:43.079 --> 02:15:48.840
you can find That's that's a tough
question to ask because it comes at least

1806
02:15:50.520 --> 02:15:54.199
yeah, well that's yeah, it's
amazing and will personally, our company will

1807
02:15:54.199 --> 02:15:58.960
finance you through your rcs. So
we've got some in house. Fine,

1808
02:16:00.039 --> 02:16:01.319
Nancy, that we'll do. All
you got to do is calls for an

1809
02:16:01.319 --> 02:16:05.920
assessment three for free six two three
fifteen thirty one, three oh three six

1810
02:16:07.039 --> 02:16:11.079
two three fifteen thirty one probid energy
dot com. Now, first of all,

1811
02:16:13.199 --> 02:16:16.399
I got to go to Joe,
Joe, what's going on? You

1812
02:16:16.399 --> 02:16:20.000
have a comment on this non refundable
venue contract. Go ahead, I've got

1813
02:16:20.000 --> 02:16:24.319
the perfect solution. Uh pretty,
think you throw away it's all paid for

1814
02:16:26.159 --> 02:16:30.319
fifty of your best friends and say, uh oh, go have a party.

1815
02:16:30.399 --> 02:16:31.920
It's all paid you know what.
That's true too, Go have a

1816
02:16:31.959 --> 02:16:35.520
party, no matter what you paid
for. I want you know. I

1817
02:16:35.559 --> 02:16:39.639
never did ask why it was canceled. Maybe you can have a cancelation party

1818
02:16:39.719 --> 02:16:43.120
or something with a new bo I
don't know who knows. Hey, Jay,

1819
02:16:43.159 --> 02:16:48.920
you had one other comment, Go
ahead. Yeah. So basically,

1820
02:16:50.040 --> 02:16:52.559
if you did show up there and
it was already being used by someone else

1821
02:16:52.639 --> 02:16:58.200
on the day you had paid for
seven thousand dollars, right, would would

1822
02:16:58.239 --> 02:17:00.319
that sit well with you? I
would want to go to oh no,

1823
02:17:00.319 --> 02:17:03.239
no, no, that's called double
dipping. But you're allowed to double dip

1824
02:17:03.280 --> 02:17:07.079
if it's in the contract where you
can't double dip is if you do it

1825
02:17:07.120 --> 02:17:11.760
in time. In other words,
if you bring them somebody that would mitigate

1826
02:17:11.840 --> 02:17:16.559
their damages and they don't accept it, that would be something. That's another

1827
02:17:16.600 --> 02:17:20.399
something. See if she canceled it, But if she cancels it flat out

1828
02:17:20.440 --> 02:17:26.319
and they find someone else, they
mitigated their damages, but you still are

1829
02:17:26.399 --> 02:17:31.280
contractually obligated. I think I'm not
giving you legal advice, but I think

1830
02:17:31.319 --> 02:17:35.600
we've had this come up before,
I really do. Where they found someone

1831
02:17:37.680 --> 02:17:41.440
but they it was a hotel room, but they were still able to collect

1832
02:17:41.440 --> 02:17:43.719
from these people. Worse than that, during COVID, we had cases where

1833
02:17:43.920 --> 02:17:48.280
you couldn't have too many people together
in the same room, so they could

1834
02:17:48.280 --> 02:17:52.680
only have twenty people show up at
the venue with the distancing and they wouldn't

1835
02:17:52.680 --> 02:17:54.840
cut them any brakes, no,
no, which COVID had a lot of

1836
02:17:54.920 --> 02:18:00.239
ripoffs going on. Man, oh
my god. There were people at old

1837
02:18:00.239 --> 02:18:03.159
people to contracts and let's face it, it was such a weird time.

1838
02:18:05.120 --> 02:18:07.479
How could you hold anyone right?
All right, I'll remind you again.

1839
02:18:07.559 --> 02:18:11.479
Probit Energy. I know these guys
personally, good guys. Probdenergy dot com

1840
02:18:11.520 --> 02:18:16.360
for solar systems. They have a
real emphasis on your commercial systems getting paid.

1841
02:18:16.879 --> 02:18:20.079
A lot of it getting paid,
you ought to take advantage of it.

1842
02:18:20.120 --> 02:18:24.159
Plus you get paid every year by
not paying electric. Three oh three

1843
02:18:24.200 --> 02:18:26.840
six two three fifteen thirty one and
I'm Tom Martino. You can call three

1844
02:18:26.879 --> 02:18:28.719
oh three Martino anytime for help