Yeah, ripped up. You need advice, so you don't have come run
instant as we can show. Shooter's gonna help coming man. This is the
Troubleshooter Show. No Tom Martino, Hi Tom Martino, you're Troubleshooter. Welcome
to the show. Three oh three seven one three talk seven one three eight
two five five. As you'll see, my wifesid. I got a guest
here. I have Mark with me from pro Bit Energy about solar. You
know, there's only a couple solar people I've endorsed because the industry is really
really difficult because so many companies come and go. Mark, you even told
me that a lot of business, a lot of solar businesses have gone out
of business. Why do they come and go so quickly? You know the
ones that recently went out. One of them is typing in there a Titan
was Giant Giant and they're just a sales organization. They subcontract the installs out.
So once that's done, that customer is not going to get service because
the EPCs it's not the okay, So when a consumer wants solar, well,
how do they protect themselves? And by the way, I don't mean
this against you. At all or against Red Rocks. I love them.
I love you guys, Probid Energy, but maybe you guys aren't going to
be around forever. So when people get solar systems, is there I mean
no, No, obviously your whole model and red Rocks your whole model sales,
service end, and not even service even those you haven't installed. You're
trying to be a full service solar company. And the components are made by
companies that don't go out of business. The components are solid. Yes,
the people that so can a consumer find let's say, pro Bid and Red
Rocks and around, and they bought a Maybe they're in another part of the
country listening right now. They bought a solar system. None of the people,
none of the people that they're they were associated with, are around.
Who do they call for help? Can they call the manufacturer and say do
you have anyone that services there? Yes, they'll call the manufacturer and they
might direct them the inverter and face solar edge. They might say, yeah,
here's a here's an installer that we work with. I think there's a
room. And again I'm not talking about here. We have two good companies
here that I love and today's probid Energy dot COM's day and and you do
everything Redrocks does. But here's what I want to say. We need independent
solar servicing companies, YEP. I wonder because think about this, if you
did nothing but serviced solar systems, I'll man, I imagine a good servicing
company and you guys will do that. Haven't you been able when I sent
you out to people who whose companies have gone away? Haven't you been able
to even get warranty work done under their manufactured Some cases we can connected to
the manufacturer because if the components are are warranted, they don't care that.
As long as it's a component service company, you can get it warranted.
Right, you bet? And we are with all the people I want to
concentrate today on all you orphans, solar orphans yep. A pro bid has
helped a lot of solar orphans. And a lot of these solar orphans need
their systems taken down because of the hell we've had and put back up and
put back up. And if a certified installer like US doesn't do it,
it negates their warranties. All right, people, there you go, and
by the way, this are brought to you by waterpros dot net. You
know how I feel about them. I'm serious. First, you need a
water system, especially for drinking water, and they're the best systems at the
lowest prices. Three h three eight six two five five five four Jasmine.
What's going on with you, Jasmine? And of course I am well aware
that there is there's major news all over the country about politics and all that.
Now, now, I only mentioned politics here when it has to do
with you and your personal finance, or when it comes to education of our
rights, responsibilities as I call it, life, liberty and the pursuit of
happiness. Right now, things are in a state of flux. We know
that. Feel free to comment if you want. I only talk about things
as it relates to inflation and things like that. As you know, and
I've gotten a lot of flak for this. I don't take strong stands and
try to change your mind, your hearts or anything. I just want to
help you not get ripped off. Okay, But I'm not blind to the
fact that you guys are tuning in and I know you have a lot of
places to listen to. But if you want to break from the let's put
it this way. The pontification. You can come here. That's not to
say I won't talk about it. I've talked about issues before and how they
relate to us personally on a day to day basis. Right now, speaking
of that, inflation is still making things more expensive, and it's not as
terrible as it was. Investing, the stock market's doing pretty good. The
problem with the stock market that I see is that when the stock market does
well for no reason, when there's no fundamentals driving it, it gets scary
because there's really no prediction. I mean, you know what I'm saying is
usually stock markets do well for reasons, and they do badly for reasons,
or bonds do well for reasons and bonds don't do well for reasons. Right
now, everything seems to be a hodgepodge as far as personal finance, but
again I acknowledge it. But I want you to call with your problems,
questions, complaints, and if you have any comments on today's news in the
world and how it relates to us us on a day to day life.
Let's do it. So, Jazmine, what's happening with you? Hi?
So I need some help with my apartment complex? Okay, So what's going
on, Jazmine, what's happening? So we had a kitchen fire. Sadly
that was pretty bad. Did you have renters insurance? We did. We
have really good insurance, and we took the insurance and the apartments really complex
right away. Their insurance is waiting for the apartment complex to fill out peoplework
or do something in the way your insurance is waiting. Your insurance is waiting
for the apartment complex. Yes, yes, yes they have been for the
last four months. They tried sitting in an adjuster out, but they didn't
have all of that. I don't understand what your insurance need. What does
your insurance need? They need them to go right, like an estimate of
like and tell them, like what appliances need to be replaced and the cabinets
and the wall. So you so you're you can make a claim? Yes
I started one, but they needed insurance or so you're your renters insurance.
Now this kitchen fire, was it your fault? It was an accident,
but we weren't home when it happened, so we tried. I still haven't
done it yet. I may not I may not have phrased that the right
way an accident is your fault if it started in your kitchen with you,
unless some like for example, where it wouldn't be your fault a squirrel gets
in and does something, or or you know what I'm saying. But but
you were cooking and it happened. Is that what happened? Gentlemen, I
was I was not cooking. Tell me what happened. I'm just curious.
I'm just curious if your insurance is going to pick it up what happened.
No, yeah, they'll don't take it. They'll definitely take it. They
will take four responsibility and pay for everything. But what I'm thinking is happening
is that I have a new puppy and I think he tried getting something on
the counter and got something on fire. Okay, got it. When we
came home, our whole kitchen wasn't blamed. We oh my god, out,
may I ask how's the puppy by the way, Oh, puppy fine,
we have a back door. He was outside on a back door,
so she had a kitchen. You had a kitchen fire. Your renter's insurance
will cover it, but you need information from the apartment complex that they're not
providing. Now. You would think the apartment complex wants to get this fixed
up, So why aren't they providing the information? Then, I have no
idea. I call them every other day and I don't talk to anybody.
They never call me back. I've gone in there on person trying to talk
to a manager. Manager's ever there. Every time I call and actually get
a hold of someone, or someone calls me back. They said that they'll
call me back. They have to go figure out the answer for whatever I'm
asking, and I'm not getting anywhere, like they just how long has it
been? How long has it been four months? Oh my goodness, Wait
a minute, have you been without a kitchen for four months? Or are
you now temporarily living somewhere? No? No, no, because I didn't
want to pay for a temporary airbnb. Yeah, but your insurance should pay
for temporary housing. Yeah they should, But apparently my apartment needs to They
can put us into another apartment, complet or another apartment. Okay, so
right now, the reason for the call today is you need to get it.
You need to get damages details from management as to what they expect you
to fix so you can submit it to your insurance. Yes, that's reasonable.
Why would it take four months? And you still don't have it.
I I have no idea that I don't I don't even have the managers everything
seen the pictures I sent in or even came to my apartment. I had
to take my mark away that was all melted and burned down. I took
a part from the burnt cabinets because my entire house old. Oh my god,
this is unacceptable. Now were you able to get wait, did you
at least have a restoration company go in and clean it up? And they
paid your insurance? I asked you times to have the the apartment complex and
my insurance, and they said, well, we have to get I want
you to hold on. Yes, I got two things I want to do
for you, Adjasmine. Two things. I want to first get our insurance
experts on from Compass Insurance Group. Then I want to get someone once we
ferret through this and see what their responsibilities are. Then I want to put
somebody on it. One of my people, I know Doc is listening in
the studio right now. We need to put someone on this. But first
let's talk to our insurance expert, which is Compass Insurance. So hang on
three all three seven one three talk seven one three eight, two five five
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You don't pay a cent until you're content. Time for an insurance check up
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one help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Marchi on your three all three
seven one three talk three all three seven one three eight two five five.
Welcome to the show. Did we encompass on Kitchina or read too busy talking
to your your boys behind the scenes about politics? Come on, I need
Compass in the house. I want to ask them some questions about the insurance
issue, about renter's insurance, because I personally don't think renters insurance necessarily needs
the apartment complex. I think they can send an adjusture there and start the
process. To me, it sounds like a delaying tactic technically, So until
I get them, until I get Compass on, we'll talk about other things,
whatever's on your mind. Three three, seven three talks seven one three,
eight, two five five. And speaking of insurance, I read today,
Oh my god, it's amazing. All over the country homeowners insurance.
Homeowner's insurance is skyrocketing all over now. Condo developments are being dropped altogether,
completely dropped, and an apartment buildings and places where the losses are so hefty,
and a lot of condo owners are finding themselves self in short. Now,
let me tell you what that means. You're going to have a big
problem when they're you need a roof, and it's a five hundred thousand dollars
job, and you have to pay your share, and it doesn't matter if
you're on the bottom floor or the middle floor. You're going to have to
pay your proportionate share. Now they might go by square footage of the condo,
not just divide it by the number of units. But you're still going
to have to pay a good amount of money and that is going to devastate
a lot of people. So here's what's really weird. A lot of people
that buy condos are younger or older because it doesn't have the impact of buying
a home. But it's artificial because all of that responsibility is still yours.
It's just delayed. Now here's the twin edge sword. People who live in
condos. They want low HOA fees, so they lobby for low HA fees,
or they have boards that give them low HOA fees. But then the
coffers get low and when they find out they have to pony up a crapload
of money on a deductible or a co insurance penalty or for maintenance. These
owners are faced with giant assessments and assessments they can't pay. When you live
in a condo, you are subject to everyone you live with. It's like
having a thousand roommates because if they're not financially stable, you're not financially stable.
I'm going to give you some examples that will break your heart. There's
a place that a club Valencia, and this is an amazing situation. I
think the people are still out on their asses. But there was a catastrophe
there. I believe that was a fire, but they discovered asbestos and other
things and they couldn't rebuild. So everybody suing everybody. Really, tenants are
suing. Insurance companies are suing, the management is being sued, the owners
are being sued. And it's a nightmare because it's been now years and no
one can get back into their units. They're just places. I don't even
know what they're doing. A lot of them has walked away from their equities
that the hell with it gone bankrupt. There is no equity. That was
the problem. There really wasn't any equity because most of them mad loans.
I believe it was in twenty twenty three. According to this lawsuit, fire
originated in unit one one and the defendants have property, they own it or
part of it. Then they said at the time of the fire, the
defendants had least or otherwise permitted someone to live there and that person's being sue
too. Then the fire and the remediation efforts caused considerable damages to the major
premises that exceeded five million dollars. The violations of duties, obligations and blah
blah blah are against each defendant. Now they're asking I mean, okay,
they're asking these defendants to pay up. They're not going to pay. Their
insurance aren't going to pay they so the HA won't pay. No one will
pay. So the South Metro Fire Rescue Authority concluded that the fire was let.
The fire was that a person left unattended something or the person was ninety
four years old and cause the fire. Basically, I'm trying to read through
the legal ease and the negligent acts caused all of this, but they didn't
have enough insurance. This is a nightmare. So well by Tom. The
same was with individuals. If you recall with the Boulder fire, ninety five
percent were underinsured. I mean that's massive. There's a lot of people out
there right now that don't even realize if their house burned down, they don't
have enough to rebuild it. No, they don't. You're right, they
were sadly under insured ninety five percent and as a result of that, by
the way, they have to walk away and when they walk away. They
lose every dime of equity they had in that home. Now, had there
not been a fire, they would have been able to sell the house and
make the equity right, or pay it off and have the house. But
what happens when you're under insured, They you're screwed. Now here's probably what
happened with all of those fires. People wanted to save money on insurance,
and they went to the insurance carrier with the lowest cost and the lowest premiums.
And a lot of these insurance carriers did not do their due diligence.
They did not accurately assess the values and therefore offered cheaper insurance. And this
is how that works. A lot of people believe, well, if my
house is worth a million dollars, why should I ensure it for a million.
The only time that'll come into play is if I lose the whole house.
But ninety five percent of the time, or maybe even ninety eight percent
of the time, I'm not gonna lose the whole house. I'm only going
to lose the roof or the siding, or maybe some water damage or maybe
this or maybe that, And the biggest claim I might have might be one
hundred, one hundred and fifty, maybe two hundred thousand. So they look
for places that will insure them for let's say five hundred thousand instead of a
million, and they think they beat the system. You see, they think,
hmm, now I'll get a roof. There's no roof that's going to
cost five hundred. I'll get a roof, I'll get if my sewer backs
up, I'll get covered. I'll get covered. But they're only fifty percent
covered on their home. Therefore, the insurance company looks at your total insurance
and says to you, oh, oh yeah, you're only fifty percent covered
for any damages. And you wait, you say what, yeah, even
though the roof might only be thirty grand, we're only paying fifteen. And
then you have to pay your deductible because you were not insured for the whole
million dollars. You were only insured for half of it. So you see,
these shlock insurance agents who you get who offer you super cheap prices might
be doing that because they're under insuring you and you are being screwed in the
long run because it'll come out in every single claim. So, man,
I have to tell you this is wrong. Some shlock insurance agents are even
lying about the condition of the house and the roof. So if you need
a roof, they make you buy one before they ensure you if you need
one if it's old. But some agents, in order to get the business
they want to get their commission, they won't say, hey, this roof
is old, they'll just overlook it. Then the underwriter gets involved at your
next loss and say, wait a minute, you should have replaced this roof.
And they don't say our agent was wrong, they say you're wrong.
So there's a lot to lose when it comes to insurance. You don't trick
the system when it comes to insurance. And I'm no great lover of the
insurance industry, but if you want to be insured, you have to be
insured for what it's worth. I can't tell you how many times people have
said they had a car and it had this and this and this and this
and this and this, all these upgrades, so it was really worth thirty
thousand more than it's apparent book value. We've had this happen all the time.
But were they insured for that, No, they were insured for book
value. They want the benefit of the more expensive car, but they don't
want to pay for the coverage of the more expensive car anyway. Those are
the pitfalls of insurance. Now, Jasmine, hang on Kaschina, give me
an update. Is Compass not available today? Are they not around? No,
They're going to be available in about fifteen minutes. Thank you so much.
Okay, so we'll have Jasmine with Compass because I'm want to get their
take on this, because I believe that her Renters Insurance might be jerking her
around. Three oh three seven one three talk seven one three eight two five
five. By the way, if you're having any AC problems, you're getting
a break in the heat eight eight eight Heating dot com good people you ought
to call. They can come out and check your air conditioning. And if
you have a solar system, by the way, they specialize in high efficiency
electric systems. That's three oh three seven seven zero two seven seven six go
with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay
a cent to your content time for an insurance check up free, no obligation.
In comparison, call Compass insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven to one. Help.
You'll think you're his only customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here, three oh three seven one three
talk three oh three seven one three eight two five five and uh, we're
here with a pro bid energy by the way, talking solar, talking anything
you want. We have Jasmine here. We were talking about homeowners insurance and
problems, and I'm telling you we got a big, big, big problem
when it comes to when it comes to insurance, especially when it comes to
congregate living, but even regular homeowners insurance is getting out of the realm of
reality, and all over the country people are wondering what to do. Do
you know rates have gone up sixty percent in some areas. Can you imagine
paying sixty percent more? Now? That's so ours went up. Listen to
this man. Our auto insurance. I literally just got it from Compass while
we've been on this trip. First of all, the only ticket we had
on there at all was Adelines, and she had like a speeding ticket or
something. It was a very small fraction and it dropped off, so we
have nothing on there. My record's perfect, Suzanne is perfect, and ADDIE's
is now perfect. As of a couple months ago, our insurance went up
two thousand dollars for the year for auto, but our driving records are perfect.
Perfect. Wow. Wow, all right. So now we are getting
a discussion that because of this text saying Tom, I disagree with you on
the use of checks mark. They say that getting the account number, and
by the way, they could disguise it in some kind of a code on
the bottom, but they don't. Getting the account number and getting the routing
number will not allow people into my account. They said they did. Okay,
let me. I want to clarify a couple things. Go ahead,
and I'm being very serious about this. So when we say that just having
those two things we can take money from anybody, that's true. And I'll
tell you why. Both Tom and myself have multiple businesses that we can accept
acch payments. So we have gone through background checks, we have opened accounts,
and we have money and reserves in case if we did try to screw
somebody, they can yank it right back out. So when we say Joe
blow like some homeless guy is not going to qualify for an ACCH account.
But in general, if you can qualify for that, and most people can
qualify for what's called a merchant account, you can have simply the routing number
and the checking account number, and you can you can ding people all day
long until they see it all day market. You like a lot of these,
A lot of these guys on the sleeves Brigade, they they had,
they had ach they made as they had merchant accounts. If you have a
merchant account, you can steal credit card numbers, you can steal anything.
And it's not hard to get a merchant account. I just I don't want
people to think if some homeless guy has their check he knows how to do
it. You have to have a merchant account. No, but it's easy.
But let me tell you this one step further. If you gave a
check at a restaurant and somebody a wait or a waitress, await person,
a dishwasher, whoever took a picture of the routing number, and you know,
took a picture with their phone, they would use that information to pass
it on to the black market. When I say black market, I'm going
to talk about like, no, absolutely, they could to someone that has
a black market. It is a black market checking this round or you know
what I'm saying. Yeah, and I say black market meaning you know people
that will trade in that and just like they trade in cell phones, they
will they will use that information and in credit card numbers. Money. No,
no, no, you actually said it perfectly. You can go buy
valid credit cards credit cards right now because I have an a merchant account,
or numerous merchant accounts I could run through and ding. I could ding a
thousand of them for five hundred dollars each. There's no doubt I could do
that right now and buy those valid credit cards on the dark web. It
is a black market form, that's it. It is. Okay. Now,
I just got an email. I'm on both mailing lists, by the
way, and I got an email here called dishonest Mondays and this is this
is true. Campaigns out on Monday all of the things that we're dishonest about
the weekend anyway, So they're they're highlighting Harris here. I just think it's
funny. And then I got one from the from the Harris camp from them
Biden Harris Camp saying that Joe but excuse me that. And now that Joe
Biden is concentrating on his presidency and Harris has taken over the campaign, it's
more important than ever to stop Donald Trump because you know, of course he's
the greatest threat in history to democracy and the country will never be the same.
And again, I just I love getting both emails because you can read
everything you want anyway. Three three seven three eight two five five. Jeremy
is with Compass Insurance Group and we're going to talk about Renter's insurance and how
it works, because we also had another case that came in where someone had
stuff stolen out of their garage at a rental. Uh So I'll talk to
him about that as well. All of that coming up on the Troubleshooter Show
three oh three seven one three talk seven one three eight two five five.
And by the way, don't forget if you have a problem, question or
complaint, you can always call three zero three Martino twenty four to seven to
get in the queue. We'll call you back. That's three oh three Martino.
Go with a sure thing Denver's Best roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh three seven seven to one
Help. You'll think you're his only customer when you choose Frank durand the real
estate man dot com to list your home with Remax Alliance. Three oh three
nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh
three seven to one three talk seven one three A two five five. Hey,
Cheryl, I just noticed you on the line there. Hang on for
a sec please, I got to take Jeremy. Jeremy, I got a
quick question for you on renter's insurance. So this woman, Jazzmine, she's
not on now, but she's listening. I hope she had an apartment or
a kitchen fire in her apartment, and it was four months ago. She
said she contacted her renter's insurance and they're waiting for a statement from the HOA
on what needs to be done. Well, that doesn't sound right to me.
Why can't they send an adjuster? Yeah, that doesn't sound right to
me either, I mean I thought so. Yeah, they're responsible for what
the damage is. The HOA should have additional stuff and that could be taken
care of potentially with US supplement, but it doesn't. I can't think of
a reason you would delay the initial payout and the obvious stuff that's right,
and I think her renters insurance is delaying her. Yeah, that doesn't sound
right. I agree with you. The adjuster to come out clearly see what's
damaged, and it's not predicated off the HOA. What if there wasn't an
HOA. I mean, they're still responsible to fix the damage that the fire
caused, regardless of what an HOA says, right, and now if in
fact you would think that they want their own adjuster to make that determination.
That's my first thought too, is it's not like, I mean, the
HOA can't throw on stuff that wasn't right damaged, right, So you don't
typically hear of, you know, a big participation with the HA if she
owned the condo or whatever, you know, there could be some stuff with
that, but from on a renter's policy, I don't see how there's much
relevance with their involvement. Thank you, Jeremy, if you could hold on,
Jeremy, I want to take Cheryl real quick and come back to you,
Cheryl, And that's Compass Insurance Group, by the way, home of
the insurance checkup at three h three nine ninety six, nine thousand, Cheryl,
what's going on? Were you scammed with a check like we were talking
about where someone used your numbers or how Absolutely so. We've got a business
in downtown Colorado Springs and we buy pre owned luxury watches and we had written
out a check a few years ago, and somebody had used the routing number
and the account number, and they went to Walmart, they paid their T
mobile bill, you know, in a couple other things. So I mean
it is real, that's right. By the way, you can do that,
see Mark, that's not a merchant account. That's just where you can
make ach payments to someone. You can put in someone else's information and get
it. That's that's right, that's really yeah. You can go to Walmart
and buy whatever you want with that online. Just put those numbers in.
You're right, because they they where they allow credit card or ACCH payments.
You can put that. You're saying, I can go to Walmart dot com.
I'm right now and put in an ach payment for anything. I don't
know about that, Cheryl. I know you can go to the mark.
I know there are some websites I swear to you that take ACCH payments.
They really do. They take direct They call it either ACH or they call
it electronic check. Yeah, but then they're then that's possible. But then
they're just back ending it through a real system somewhere. No, of course
they are. Yeah, yeah, yeah they are. But the consumer has
no connection at all to them other than being a customer, and they're using
yeah, and they're tapping your account to pay for it. Cheryl, that's
really telling thank you very much. That and that's why you should I'm telling
you. Checks shouldn't even be used anymore. Now, why don't they come
up with a way on a check. You would think they'd have a magnetic
strip instead of the print out. For God's sakes, there are machines sophisticated
enough to read those, and of course then the argument can be made the
scammers will have those machines to read them. Thank you, Cheryl. You
know, one of the best weapons. I've said this before is vigilance,
because you look at abnormalities in your bills and stuff and you then say I
didn't do this. Three o three seven one three eight two five five.
Now, Jeremy, I wanted to ask a question, but we're out of
time, So if we could call you back, or you can hang on
about contents uh for people with renters insurance and how that works, especially if
those contents might be in a garage which is not actually in the condo uh
or excuse me, or in the apartment. So we'll talk about that coming
up. Three oh three seven one three eight two five five. Go with
a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Leave time for an insurance check up free, no
obligation comparison call Compass Insurance. Pay too much your coverage at dozens of insurance
companies find out now three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two ripped you need so you don't have come running as fast as we can.
Shooter's gonna help. Come man, this is the Troubleshooter Show. Now
Tom Martino, Hey, Tom Martino here, Welcome to the show. I
finally got online so I could talk to my morons and my flunkies and anyveryone
else who's street or downloading in the future. Welcome, Welcome, Welcome.
I'm Tom. We got we got pro bid energy solar in the house.
We got a lot of things to talk about. I want to give out
my text number as well. Now you know, iHeart has the five seven,
seven thirty nine, so you can always text me there always, uh,
you know, put Tom there and it comes to us and then we
I also have my Google number I give out and here it is. It's
it's a private Google number, and it is mine. I get every single
text sent there seven four seven nine nine nine fifty two eighty seven four seven
nine nine nine fifty two eighty You can text me there too, some of
the texts I got. Let me see tom Our car insurance went up for
two of us one thousand dollars. Now I don't know what he's paying before,
but it went up one thousand dollars. We haven't had any kind of
claim in fifteen years, neither one of us and I don't remember the last
time I said uninsured drivers and said that's a big part of it. I
don't know what there's what he's saying. I guess, let's see, neither
one of us is having a I don't remember. Oh, okay, never
mind. He said that was part of autocorreg So he says, neither one
of us has had a ticket in twenty years or more or an accident.
He so, then he says, So, I asked him how come it
went up so much? By the way, he's from Compass, and he
said, well, the hail claims and uninsured drivers. So, Jeremy,
why is car insurance going up so much? Jeremy is with Compass Insurance Group.
Why. This is not why I had you on, but this came
in this text, so I wanted to ask you. I mean, what
are the I mean, is hail the biggest reason? Because all over the
country car insurance is going up all over the country. It's a combination.
I mean, the hailstorm certainly caused more frequency, but the cost of repairs
right now are really high, and especially these new vehicles with all the technology
and sensors and everything that's coming on them, the cost to repair. Those
are just astronomical, and Jeremy, look at the cost. Jeremy, I'm
sorry to interrupt you. It's mark. Mine went up. In fact,
mine went up two thousand dollars. You guys shopped it everywhere. We didn't
have any speeding tickets. The only thing that changed is one thing actually dropped
off about two or three months ago. Our records are perfect, everything's the
exact same, and ours went up two grand man, how is that possible?
Golly whoa? Because it's money coming in versus money coming out. And
I know that's That's what I'm saying, though I'm saying it has nothing to
do with that's all it has to do with. That's exactly why it went
up. You can be a perfect driver and your insurance will go up every
single year. You can be a perfect homeowner, never have a claim and
your insurance can go up every single year. Of course, yeah, I
know, ye yeah. And I think the thing to realize is it would
go up a lot more if you did have those accidents, if you did
have those claims. So people feel I'm being punished because their rates going up
when I didn't make a claim, and I get where that sentiment would come
from, but it would go up more if you did. And so it's
not everyone's rate goes up the same. Regardless of whether you have a claim
or not, or an accident or a ticket, you still are going to
get surcharged for those if you have them on top of the general rate increase,
and it's going to be that much more of an increase for those folks
that have that. Okay, now let's talk about renter's insurance and contents.
Does renters insurance cover contents? First, let's take it in the apartment.
It does. Yeah, what about when you have a garage as part of
your rental agreement? But it's not obviously in the apartment. Now you have
stuff in the garage that would still be counted as on premise. So that's
the key. As on premise or off premise. And whether it's a renter's
policy or even a lot of homeowners' policies, they're going to have a limit
for personal property. Not every company, but most are going to have a
limit of ten percent for the you know, so let's say you had one
hundred thousand personal property limit, that's going to be limited to ten percent or
ten thousand in this case for off premise. So a garage that comes with
the apartment complex would still be on premise. But let's say you have it
in a storage unit or somewhere else, and every policy is going to vary
a little bit, but expect some sort of limitation if your property is off
premise. Now there is a new trend out and I got a text about
this and where the insurance complex requires you to have If you don't have your
own, you're allowed to get your own, but if you don't have your
own, you must take their policy. So would they It seems to me
if they offer a policy it would be bare bones just to protect them,
but I'm not sure it typically is. Their concern is more that you have
liability coverage. They don't care if you ensure your own personal property or not.
They want to make sure you have liability coverage so if something happens,
they're the ones who aren't getting sued. They want to make sure you have
a source for someone to go after you and something that you're actually responsible for.
Okay, So, in any case, this person had a garage broken
into at the complex, but as we said, it was forced by the
complex. The insurance, so probably then contents would not be covered. What
do you think, probably, well, you can add it. See that's
the problem if you go into renting an apartment and you're just looking at the
cost of it. They may say, we have a renters policy for you
eight bucks a month, and that's going to be what they require, and
that's going to be that liability coverage they require, and it's probably going to
have very little, if not any personal property coverage, which is for your
actual stuff. You could probably say, hey, I want to change this,
or they may have some you know, variety of what you can add
to it, but most people aren't looking at it that way. It's a
means to an end. I have to have this in order to get the
keys and move in, and this is the cheapest option, so we'll go
with it. Renters policies don't very much much and price, so you know,
you really could go from you know, let's say eight nine bucks a
month for just what their minimum liability is, to about fifteen to twenty a
month for really good liability and also personal property to cover your stuff. So
there's not much of a price difference between the two. And so if you're
expecting to have your property insured. Make sure you have that personal property on
the renters policy. All right, thank you very much, Jeremy appreciate that.
That's the Insurance Health Center dot Com with Compass Insurance Group. And if
you want to insurance comparison three h three nine nine six nine. Frank,
you have a comment on insurance. Go ahead, Frank, what's your comment?
Yeah, I have a board F one fifty twenty twenty two. Yeah,
and everything in my truck is being reported to the cloud. How fast
I'm going, What radio station I'm listening to a sensors Yeah, everything in
my truck. And that's not for it. It's all vehicles. Everything in
the vehicle is being reported to the cloud. And insurance companies now have access.
They know that if I'm going twenty miles over the speed limit. You
know, so you could say I never get a ticket, but the insurance
companies know you're speeding. Well, I thought that. I thought though that
in order to get that information, they either read the app that you have
or the thing that the little port data port. You have to put something
in that data port. Are you saying now it's being done by the manufacturers.
Yes, that's what I was told, Everything in my truck is being
reported to the cloud. And I think there's only two states that you can
opt out. One was California, and I forget what the other one I
want to ask. I want to ask John Fuller that. Bring John up,
because he's here for a commercial and I want to ask him, Hey,
John, have you heard of that where Oh, we don't have him
yet. Okay, so I'm here. That's okay, But John's coming up,
so I might ask him that too. I'm here, Tom, Yeah,
John, have you heard that the vehicles report to the cloud? And
now insurance is tapping that? Yeah? You know. This comes up periodically,
and I think we actually discussed it on the show a little while back.
And while most vehicles, or at least new vehicles, have that capability,
they all require you to give consent before that information is shared. And
so I believe that the listener were to look into it in a little bit
more detail, he would find that either he unknowingly gave consent, or perhaps
he has not given consent and that information is not yet being shared. So
I definitely see that as being the way of the future, where right now
you do have the ability to opt out of it. And again, people
with dash cams, you know, the reason they have a dash cam is
so they can have information so under the scenario that you know you want them
to know, or is it a scenario where you don't want them to know,
or is the dash cam for a different reason. Sure, well,
dash cams are wholly unrelated to the information that the listener is talking about.
Okay, well, the type of real time data that helps an insurance company
decide what your risk level is based on certain data metrics like how abruptly you
stop, how fast you take your tag mark does yeah, how how fast
you drive down the country roads, or or anything like that. All those
data points can be used to assess you know, I mean how many liquor
stores you stop buy on the way home. I mean, you could just
go down this list and go crazy. But the insurance companies would love that
data because it helps them predict who the people that are most likely to get
in to accidents and cause planes and to be able to charge them more or
just not ensure them. A dash cam, on the other hand, is
used solely to record what is going on while you're driving for your use alone,
and so in the event that there's an accident, you have a four
K color video of that event. And so if somebody hops out of the
other car and says you were at fault, I didn't do anything wrong.
You now have a video proof of exactly what happened and you have the ability
to completely rebut any suggestion that you were at fault, that's a different I
see. So yeah, that's weird. So, John, do you think
there's ever going to be a time where insurance is going to be such that
maybe they will start pricing based on how much you're actually in that car?
I mean, because really, if you think about it, they're trying to
figure that out right now. They're trying to figure out well, I totally
think that's in the in the on the horizon, Tom, I mean,
they're they're basing insurance on every other metric that they can get their hands on
your health data. Every time you go to your PCT doctor and you sign
the you know, the the authority that gives them the ability to just you
know, disseminate all of your private health information. You know, there's a
lot of people that want to get their hands on that, and insurance companies
are certainly one of them. The topic of today's insurance company is exactly that.
Why why you should never sign a release for an insurance company to get
your medical records? You know, all right, let's do that. Let's
do that during let's ding do that during your spot. I want to take
Frank's comment and then we'll go to your spot. Frank, go ahead,
what is your comment? Well, I just wanted to say I heard this
on the Kim Commando show where she was saying that a lot of this information
is being sent to the cloud. And when I bought my truck brand new,
you know, I wasn't I wasn't even aware of it, and I
wasn't given any option or well, okay, hold on, let me just
hold on. Let me say kind of what John was saying. This might
help you out. So like on Hondays, we have something called blue Link,
and if you subscribe to blue Link, you can remotely start your vehicle,
turn the AC on, locket, et cetera. But when you subscribe
to it, I could very well somewhere in there when I say yes,
I want it, acknowledge it, they'll sell my data. I think that's
what John was trying to say. Yeah, that that you don't have anything.
And as John said, it might be it might be uploaded without consent,
but it can't be used without consent. I mean what he was saying
is for them to distribute that information, they get your consent. But we
have been staying with real quick. My understanding with Tesla is, first of
all, Tesla has got more data than any other car con company about their
vehicles. They know everything. So with my information they gather every second I'm
in that vehicle, they will use it if they're selling me insurance. Tesla
actually has an insurance company or a subsidiary or something, but they will not
sell it to other insurance companies. So there's an idea of how Tesla works.
All right, We have more coming up. Go with a sure thing
Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkup free no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three O three
seven to seven to one help. You'll think you're his only customer when you
choose Frank durand the real estate man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here
three oh three seven one three talk seven one three eight two five five.
Welcome to the show. We got pro Bit Energy with us, and right
now, if you have hell damage, this is a big giant problem with
detaching and reattaching to get your roof fixed and so why is it important because
it could void your solar warranty? Is that right? Mark? Okay,
go ahead, sir, that's correct. You really need to go with the
certified installer like us Probit Energy. Well, detach, work with the roofer.
Once they're done and inspection is approved, we come back and reattach your
system. We work with any system Sonova certified and some Power certified. So
if you have one of those systems, you really should give us a call
to get your detached resect done. Detach and reset. Now on the detach
and reset. What else is involved? Anything at all with calibration or anything
or is it just taking off and putting back. It's basically taken off and
putting back on and making sure the system is running exactly like it was before
we got there. Do solar systems need regular checkups or not. I was
told they're pretty resilient or not resilient, but dependable and don't take a lot
of calibration or a lot of repairs. It's true in today's day and asia's
apps that can tell you. But you know, why on't you get your
thirty thousand dollars car checked out every five years? It doesn't hurt to have
it looked at if you're not paying attention to it, or it's out of
sight, out of mind, look at your app, find out and if
there's an issue, we could probably help you. Okay, And again,
these are one of the few companies that do service along with whether they sold
it or not, they can help you with your system. There are a
lot I coined the Raised Solar Orphans people who have systems and don't know where
to go now. And that's a terrible thing. I mean, I cannot
tell you the number of companies we have seen come and go over the years.
Yeah, it's been terrible, been terrible, totally terrible. I don't
even know what you would do if you leased your system and the company goes
out of business. Have you seen some of these where people are leasing.
Oh yeah, oh yes, So what happens? I mean, do they
stop to make their payments? Is it an independent finance company or what You're
still paying it? You know? Some power is one recently that his suspended
PPAs and leases. They're not out of business, but their stockfell seventy three
percent the other day, so I'm pretty close to being in trouble. We
can service those systems, but your service agreement is with them, and I
don't really know what else to advise people, but will help you, will
make it affordable, and you're dealing with a local company. Now, I
have a question here State Farm. One guy texted me on my Google number
and he said, why do you say State Farm is not a good insurance
company. That's a fair question because I give the bad five the top five.
I'll come back and answer that and more, because there is a reason
I don't just say things out my butt like Mark. I'm just kidding.
I don't mean you, Mark. I met Mark, Mark. Mark.
He's so used to me saying stuff like that. One clear choice garage doors
for your garage door needs twenty four to seven service for emergencies. People say,
how do you have an emergency? Well, you know to come home
at night. Right, you can't get your door closed. It's midnight.
You don't want to go to bed with your door open because everything will be
stolen, unfortunately. One clear Choice doors dot com. What a great company.
They have all of their prices on their website. One clear Choice Doors
dot com. Go with a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Wait time for an insurance
check up free, no obligation. In comparison, call Compass Insurance paying too
much your coverage at dozens of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom Martino here three O
three seven one three talk three oh three seven one three eight two five five,
Hey Mark, I got a text here. I've noticed lately retailers charging
fees when I use my cards, my credit cards, and uh so we've
gone to cash instead. Other people say that's not allowed. Now, what
is the rule on that, Mark. The reason I'm asking Mark is we
put together a company for credit card Say that again, I missed your question,
please, Yeah, I was just gonna say on a asking Mark,
because we put together a company for credit card processing with no long term contracts.
No, no, we don't charge for equipment. Blah blah blah.
We have the best rates in the biz, and we put it together to
help we call it, we call it what do we call it? Here?
The merchants first, churchens first, that's right, merchants first, because
we also have a consumer's first organization. But merchants first. Now, Mark,
So somebody said they're being charged a convenience fe or something for the credit
card. What's allowed on that? You can charge pretty much convenience fees.
I don't care what the law reads. The reality is you can they You
might state it as a cash discount instead of a credit card fee, but
it doesn't matter. People can charge Well, why is there why are there
so many? We do it? We actually, we have companies we structure
that for once again it becomes a cash discount, not a credit card fee.
But it's ultimately the exact same thing. Okay, so how you word
it? In other words, your agreement with the credit card company is that
you won't surcharge, So you're not in Colorado. Other places you can.
In fact, I think in Colorado, I'm not up to the exact laws
right now, but they might have even changed. If you drive down to
Colorado Springs, every single gas station that has digital signs will have a cash
price and a credit card price per gallon. Okay, so that's the answer
there, Thank you. Now on you know what I used to do?
I want to say something. I had a small business years ago, one
of my first businesses, and I had a Wells fargount through my own company.
And what I mean by this is, you know, this time,
I sold computers, and you know after we would do all our business leading
up to Christmas. In the beginning, because people, this is early nineties,
people just weren't buying PCs yet. So I had this consumer credit card
attached to my own company. So if I ever had cash flow issues,
I would swipe my own credit card, pay my own my own credit How
do I put this? I'd swipe my own credit card into my own account
and then I would choose the ninety days same as cash option. So I
would be operating on their cash flow for free for ninety days on both parts.
Does that make sense? Yeah, but I didn't know that. That's
weird. Yes, so, And there was nothing against doing that, well
I know. I mean I never got stopped for it. I bet if
I read the rules, I wasn't supposed to do it. But it's just
a way that small businesses. I put that out. There's hurting on cash
flow. It is a way to get money in there. So explain how
you do it again, slowly for them, because it was a little complicated,
but I got you go ahead, Okay, I'm going to put it
in a different way with a different business so it makes more sense. I
owned a bunch of Good Years. You can buy a good Year credit card
or not buy one. You can apply and get a Good Year credit card
to use it any Good Year across the country. You follow me, right,
right? I mean you can get one right now. I still have
one. Yeah, so gotcha. There's a ninety days same as cash option
to use on a ninety on a Good Year credit card, at least back
in the day, and I probably it's still that way. If the purchase
is over five hundred, you might get ninety days same as cash. So
let's say you get ninety days same as cash. I have a good Year
credit card in my name. I also own Goodyear stores. I could swipe
it right on my own terminal for five thousand dollars, choose the ninety days
same as cash option. That five thousand dollars would be in my bank account
the next day. Oh my, and I wouldn't have to I wouldn't have
to repay it for ninety days with zero percent interest. Now was that?
Did it have to be tied to a purchase when you swipe the five grand?
Yeah, of course it did. But I would just phony up.
I would phoney up a ticket. It didn't matter. Well, no,
it didn't have to be tied to a purchase. Inside my point of sale
system. I would just swipe the credit card like I swipe a visa and
put in a certain amount of money, five hundred dollars whatever it is.
Okay, You wouldn't put it through your point of sale system. It would
be invisible on your books. It would just be cash flow coming in until
you're reconciled and did a journal entry. What I thought? I hear?
I hear it? Now? Think about it too. No, there's a
lot of people out there that could do that. In fact, I'll give
I don't mind saying this to people. If you have a small business right
now, go ahead, I'm listening. Let's say you have a restaurant and
I don't care. You have a restaurant and you're in a cash flow crunch
and you got payroll coming up. You can grab your credit card or your
wife's credit card, wipe it right through your terminal, and you've got operating
capital. You know, it's not a good position to be in, but
you can do it. Wow. Okay, I said, I was going
to talk about State Farm because this one guy said, you know, he
texted me wanted to know why do I say State Farm's not a good company.
Let me clarify this, Okay, when I give you the top five,
because I say Farmers, State Farm, All State, Fred Loyer,
and American Family. Now, the number one reason I don't like these companies.
First of all, none of them are illegal, I don't think.
I mean, you know, they give you insurance, they pay claims most
of the time. They give you a little harder time than most. But
one of the reasons that the main reason I don't like them is because there
are no options. Now, there are times they will have better rates that
you can get elsewhere, so you go with them. Nothing wrong with that,
but that agent is captive. That agent cannot sell anything else. So
if you want to save money, they can't find something to save you money.
I went one time, I was looking at someone's insurance and I said,
and I notice that you have this insurance for her, and I want
to know, can she get a better product at a cheaper rate? Oh
no, this is the best in the market. I said, is it
the best in the market or the best you have? And it turns out
it was the best they had. It was State Farm, but you could
get elsewhere cheaper now sometimes State Farm all State Farmers. They might beat your
current rate. They may okay, So in that regard, I don't like
the idea that you do not have choices, so you can go with them.
That's fine when they beat your price, but don't stay with them.
And that's the problem people do. They stay with these companies because they assume
they're getting the best deal. The other thing I don't like is their emphasis.
And again there's nothing wrong with this, but their emphasis on profits for
shareholders over insurance. They're insured, so they have a vested interest in turning
down claims, and when it comes to turning down claims, they fight the
most. If you talk to roofers, if you talk to people who cover
homes and do repairs, if you talk to people who fix cars, if
you talk to people in the business, they will tell you these are the
toughest committees to deal with, even when it comes to personal injury. The
toughest companies to deal with when it comes for them paying liability to others.
So they're just not a great eight. I don't know, they're just not
a great bunch of people. Uh. These captive companies, they're not illegal,
they're not scams, and they do pay claims, but many times the
customer service sucks big time. And that's it in a nutshell, really okay?
Uh? Three oh three seven one three eight two five five. By
the way, waterpros dot net you can get a whole house system for soft
water, which is a wonderful water for cleaning and for your skin and for
your plumbing. All of that you can get for just around thirty four hundred
bucks fully installed. That's waterpros dot net. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free, No obligation can be Harrison call
Compass Insurance paying too much your coverage at dozens of insurance companies find out now
three oh three seven seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom
Martino here three oh three seven one three talk three oh three seven one three
eight two five five. Welcome to the show. We're talking about everything you
can when it comes to UH consumer issues. All you have to do is
call, and you can always call three oh three Martino three oh three six
two seven eight four sixty six. So one of the things I talk about
in solar and I have my solar expert one of them with me at probid
Energy dot com. We talk about the need to get a professional solar contractor
up there to give the t detach and reattachment of panels and stuff for the
UH forgetting your roof fixed. It's really important keep your warranty of the components
alive. Let's talk about REAP. Now, REAP r e a P.
What is it? Do you know what it stands for? Rural Energy Assistance
Program? Now REAP is when they say rural, they just mean not in
a dense city. You don't even have It's not like you have to be
out with the cows. No, no, not at all. You could
have a business in it and his only business though, right, yes,
okay, so this is really important. The REAP program is a grant you
don't have to pay back, correct, and you get it in addition to
tax credits. Correct, you could essentially, in fact, why aren't Okay,
go ahead, tell me what I'm working on right now. We submitted
to the to REAP. There's essentially it's zero zero dollars system. Now,
now here's the deal. If it's zero dollars and they then they get free
electricity, Well, why wouldn't every single business do it? They just don't
know about it. There is a process to go through which we help you
through. We do the grant writing everything, we do it for. Yeah,
I mean, so what's considered rural for there are business owners listening right
now, saying, first of all, what's the what's the business? Second
of all, what's rural. I'd have to define that, you know,
through a mapping system and you can lay in your address and it says you
qualify for REAP program. Okay, I'm like I said, it doesn't have
to be out in the prairie. No, I'm doing one in Longmont,
right outside of town. It's a beautiful farm. They raise vegetables and it's
a huge system and a huge opportunity for them because they can overbuild it as
well to sell back to the grid if it makes it worth it, which
it's tough to do right now, let's excel. They don't pay it back
at a decent rate. But look, you your power in your own farm,
the whole farm, on this whole solar system, and now alone,
it takes you thousands and thousands of Now I heard landlords of commercial buildings can
do it. I'm not sure if they can do a REAP grant, but
there's a lot of programs out there, Colorado Pace loan where it basically folds
into your taxes, so it transfers with the sale of the building. But
you're still producing all your own energy. Plus you can charge tenants. You
can charge tenants. Yeah, that there's some great systems out there. And
right now Excel has an rac A Renewable energy credit about four cents per kilowatt
hour. So what does that mean? So on top of on top of
all the other benefits, what do you what do you mean? Tax credit?
A thirty percent depreciation. If you can depreciate your system twenty seven to
twenty five percent, then you get an AREAC A four cents per killowat hour.
That might get you close to a zero dollar system without the reap,
without the reap. So there's a lot of ways. It's just I think
people are afraid of it. To look at it. It's free to look
at it. Call us, call Probate Energy will take care of you.
Now, are any of these available to residential systems? No, No,
I'm they're really But you can still get your tax credits, absolutely, tax
credit And there's some other opportunities coming up with a new solar release that we're
gonna do that really really and people you ought to consider on rentals as well,
because you can charge a tenant for electricity. We're doing a couple of
those right now go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're contenth time for an insurance check up
free no obligation comparison call Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two Ripped Up News. You need advice so you don't have come
running. Just as fast as we can. Shooter's gonna help coming man,
This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino here,
Welcome to the show. Three oh three seven one three talk three oh
three seven one three eight two five five. What's on your mind today?
I mean, I hope that you don't have a lot of problems, but
if you do, you can always call us because we love helping people.
So I'll give you some quick excellence excellent. So people, if you're listening,
you can call three oh three Martino at any time, day or night,
twenty four to seven and leave a message that's three oh three six two
seven eight four sixty six. The only thing Mark's going to have to live
with when I'm going here is that number. It is gonna He's not gonna
be able to say major because it's not enough letters. So there anyway,
three oh three six two seven eight four six six, go ahead, O,
my god, I almost clock, remember me, Yeah, hold on,
I almost called you something else. I don't even want to say what
it is. I don't know if Mark heard it, but maybe heard me
slip. But anyway, go ahead, doc, what is happening? Remember
George called up on Friday about his car being a jewel and I said I
would, yes, his twenty two Dodge twenty twenty two Dodge pick up right
Dodge raam right. So I went over to UH to jewel and it was
the wrong one. I didn't know there were two, and George didn't know
there were two. There's one UH in Denver by Parker Road, and that's
well which one. He didn't know which one it was at. He didn't
tell me which one was at. So after I went there, I called
him back and he said it was at the one on Wadsworth. So I
called them up and he said, I called him up to get the number,
and he said, they must have heard you on the radio because they
told me today that my truck is active instead of being a shop, it's
actively being repaired. How many times does that happen? Bro? How many
times? What's that? Where where they hear it on the show and they
get to h and yeah. I remember Dominique had a problem with Xcel.
Yeah, so I told her, I said, do me a favor.
This one was where she inter her roommates movement. Oh god, this was
so complicated. Anyway, here's what happened. They moved into an apartment and
one of the roommates I thought she transferred her electric bill over to the new
apartment, but she but Excel failed to make the transfer, so they were
paying on the old apartment. Go ahead, anyway, So I spoke to
Dominique. I said, look, this is very complicated. What you need
to do is go to one of the Excel brick and mortar places and show
them what's going on, because no one's going to listen to it over the
phone. And I said, go pick you know, just go to one
new and she do that. I didn't know they had brick and more they
still have some, Yeah, they dearly. So I said, look,
go to one near you. If that doesn't work, call me back and
I will go down with you and we'll get this straightened out because it's so
complicated. Oh, it is complicated because while they're paying on the old apartment,
or the one roommate was paying on the old apartment, she was collecting
from them for their share of the and it was really the old apartment.
Meanwhile the new apartment was racking up bills that the management company had. Oh
it was terrible, right, terrible. I think it's so much easier to
do it in person. So she's going to get back to me, let
me know what happens, and if it's complicated, I will of course.
Of course, that's part of part of what we do is help people help
themselves. Right, So let's real quick here. Let's talk to UH.
Do you have another one done? Those two? Okay? Excellent? In
the shoot on the one with the UH that's the one for the body shop
there. That's cool. Hey, Martha, what is going on now?
Had you called us before you were working with the Deputy Bow, Is that
right? I did? About three weeks ago, I had a brand new
LG dishwasher that was leaking. Oh what I think? I remember that the
ELG. I thought it wasn't a fridge, it was a dishwasher. I'm
sorry, Yeah, it was a dishwasher. Okay, got it. I
just had the wrong notes here, I think. So what happened? Well,
Kelly hooked me up with Deputy Bowl a week before last and he called
LG's media relations and got me a photo. They my relations told him they
were on top of it. It was handled. He got me a number
I could call him by darn. They called me back and we negotiated for
a full refund. Oh man, that now are you happy about that?
Getting a foot? What are you going to get now? You know what,
Tom, They're letting me keep the dishwasher. I'm going to rent it
into the ground. Oh my god. That is so wonderful. But what
about the leak. The leak is still there. They sent me actually a
gasket. But the problem was is they use sears A and E as repair
and they never came out to do it. So you're gonna be money ahead.
Here's why you got the dishwasher. You got the refund, Now get
it repaired exactly. Damn, that's what I'm gonna do. Gosh, that
is you wouldn't have made that call, man, that is hold on,
we got another one. Then me mean, thank you by the way from
calling and letting us know, Bo, that's pretty good work. We're good,
good, good Martha. Yeah, and they appreciate it. Sure.
And then and on top of that, they say you can keep the dishwasher
for goodness sakes. Wow. Now three oh three seven one three A two
five five Mark with pro Bid Energy. I was told Mark that if you
source materials in the US, you get a forty percent tax credit, not
just thirty. So some of your systems truly would have forty percent tax Absolutely
absolutely. I mean that that's a huge boost, uh for for residential and
commercial solar. Now let's talk about this. I want to talk about the
landlords. This is something we've never really talked about. But the way I
look at it is, if you have an apartment house, would would that
be considered a commercial system where you can get all that family? But would
you be able to get that reap on it? No, I don't believe
you can for for Okay, it's not a rural business. But if you
had let's say a four plex, a duplex, if even any kind of
a rental okay, apartment anything. Yeah, so if you did a system,
you could charge for electrical use. Sure, I mean if you do
that, if you think of well, they might have their own meters.
They may not, but you say, we're going to collapse your meters into
one and we're going to take care of your electrical but something. Yeah,
you're locking in rates. There's no car answer. Your rates to escalate because
you're producing all your own energy. You throw a couple of huge batteries in
there too. You're powering your home overnight, or your condo or your apartment
complex, things of that nature. There's a lot of great solutions, but
they do take them upfront. Investment going away. Mark one said, Mark,
are you still did he did he take off? I was wondering.
He said, if incentives go away, credits, you can kiss goodbye solar
Is. It can be It's can be tough. Yeah, it'll be tough
because it's tough now and people get incentives. Finance rates are kind of ugly.
But we we've got a new loan coming up that is pretty attractive that
I can't really say too much about. But once we do get that approval,
it might make it again affordable. What do you think the biggest objection
now is to solar? What are some of the biggest objections you know,
I think some of the biggest objections or interest rates are high. So the
tax credit, of course, leaves a balance, and that balance has to
be paid, and if you don't have cash to pay for that balance,
you got to finance it. And but do the interest rates outweigh the savings
in electrical or can you at least break even? If you even broke even,
it would be okay. Yeah, I mean I think you can break
even and people just want, you know, they want that. And there's
some of those rates running right now for solar. Well there's those renew loads,
which are probably the best loans because there's no dealer fees or at eight
point seven four it's still out. Are we going to see and this is
an overall question maybe for even my YouTube morons, we ought to put up
a poll, but do you think we're going to see any interest rates that
come down? By the way, I wonder, I wonder well, they
keep threatening that they're going to drop the basis of what a point or whatever
it is. But till it happens, I don't believe anything anymore on rates.
Now. By the way, I noticed one of my YouTube morons is
on that and he's I think he's getting into renewables and electric effcation or stuff
like that. And we have another client eight eight eight heating dot com.
He says he for people with solar, they a complete electrical package. I
guess part electric furnace and part regular furnace, and then water heaters and stuff
that can go back and forth. Hybrid heat pumps. Yeah, the hybrid
heating systems are you keep your gas furnace or get a new Yeah, but
you try to get as much on electrical when you have electrical yep. And
then you do an electric heat pump. And what you do is you set
up your system so when electricity is more expensive because it's harder to pull heat
out of the air in the winter when it's twenty degrees, it auto switches
to your furnace, so you're saving money that way. So it's a great
way to balance the residential system with solar and heat pump. Hot water heaters,
heat pump, HVAC systems and having a hybrid system. Now, as
far as Misty goes, she has a problem with a truck. Misty,
what's happening? So I take my truck and Mike Shaw on the two day
sixteen Okay, Tuesday, Okay, the sixteenth, we're talking. Okay,
got it all right? Okay? So then I take my truck in.
They don't tell me that they're going to keep it for three days. All
I want is an oil change and a diagnostic on a lifter kick. Now,
wait a minute, did you ask him how long it was going to
take? No, I should have. That was my battue I And it
was on Tuesday. The what day was that? Did you say? In
the sixteenth? Got it? Okay? So what happened? So then I
take my truck in to get the diagnostic and the oil change done for the
lifter chick. So I pick up my truck on Friday, I think it
was, and I go to get in it. I go to start it
and it won't start, but it's kicking like it's a loose connection. So
the guy that was well ticking sounds like your lifter. Now, oh you
said it wouldn't start. You mean, so it was going click click,
Oh, I get it? Okay, got it? Yeah? Yeah,
like it was clicking like it, you know, like a loose connection.
Got it? So I go in there. So the guy hears it.
The guy who's helping me hears this, and he grabs the another guy to
come over with a jump box. Yeah, jump bus on it. And
then if I lance starts well as mechanics, I would think that if they
didn't bring my truck, my truck never had an issue starting before, they
would check that, you know, before they left me. Let me leave
the lot. So I go home, I park my truck. Mind you,
we have to rent a car because they have our car for three days,
so well turn by the way by just just to be fair. Three
days nowadays is not unusual for anything. Anyway, go ahead, I get
that. So we run a car whatever that you know is more money,
but I go. We don't drive it to that day or the next day.
We go, get in it, we drive it to best Buy.
It starts flying and then it dies. We go, we go under a
store, come back out and won't start again. So we call it back
my chap. They send a guy over there to come over there to do
the with another jump box. The guy tells my husband that My husband's like,
I'm pretty sure that the the negative cable is loose, and the guy's
like, oh, it's okay, it doesn't have to be tight or it
just to start, Yes it does, or well, yeah, it would
be optimal. I mean technically if it's strong enough and it's not tight,
it would. But but anyway, where are we going with this? So
we're sitting there for three years, like out in the middle of nowhere.
They leave my truck there obviously, then they call me and tell me that
they tell us to take it back to this the dealership. The dealership tells
us we were thinking after they left there they would come back and meet us
there to get keys or something. Nobody comes back. The whole store is
empty. They're gone till the next morning. Well, misty, wait a
second, I guess I lost you here when you said you picked up your
truck and you needed a jump. Then a few days later you right,
non, few days later, the next day, oh, the next day,
the next day, hold on right, and then the next day you
needed another jump. As we're coming outside of the store. Yes, so
we're coming out of the store, right, I get it? And they
came. Did they come and give you a jump or not? Three different
people show up there because they can't get it to start, So they if
they don't believe that it's our battery, to bring it back to the dealership
and they will find out to look at it and see what's wrong. Oh,
I get it back to the dealership. I got it. Nobody else
returns back to the dealership with us, and the service departments closed. Nobody
comes back there. So here we are stuck with the truck still won't start
again, and stuck out the dealership with nobody there. Wait, how did
it get to the dealership? Did they toe it? They finally yeah,
after the third person. Note they told us they didn't have toe trucks.
The third person that came and finally put jumper cables instead of the jump box
on it. And then it started. Oh okay, my thing is their
customer service and their whole thing of it is is okay, it was something
minor, It was only the battery cable, But they still tried to get
me to buy a brand battery. Didn't they try to make me convince me
that it was my fault that Chuck wouldn't start anymore. So let me ask
you something though. This is the big question for me, Misty. Did
they loosen your battery cable for anything? Yes? For what? That was
my question? Wait for what? Why? Why? If you went in
for an oil change or for lifter diagnostic, why would they have touched your
battery? So that's my thing. Well, no, I'm asking. I
mean, in other words, is it possible it wasn't their fault? No,
it's not. They have to take off whenever they're doing the diagnostic and
they put the computer on or whatever they have to have do stuff with the
battery and they have pulled it off to check the claric code is what they
did. Okay, so they did mess with the batteries. What you're saying,
yes, all right, okay, hold on, I'm gonna come back
to you. I want to know what we can do and what you need.
Uh. I get why you're pissed if they mess with the battery cable.
They didn't put it back properly. It was a really inconvenient. Okay,
we got that. We got more coming up. Go with a sure
thing Denver's Best Roofer Excel roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation. In
comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies
find out now three O three seven to seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three three nine two zero sixteen twenty two.
Hey Tom Martino here three oz three seven one three talk three three seven
one three eight two five five, Welcome to the show. Here to help
you. And Misty was complaining, and I don't blame her, she says.
She takes her truck in now. She was upset anyway because it took
three days to get something done, and you know people are having that problem
all day long. Anyway, she said they had to take off a battery
cable. When they put back, they apparently didn't put it on tight,
so it didn't start right away. When she went there, they had to
jump her and instead of tightening the cable, she goes her merry way and
the next day it has to be jumped again, and it goes back to
the dealer and she's just pissed off because you know it's fixed now. It
was just a battery cable. But anyway, misty, what did did they
offer you anything like maybe a gift certificate for oil change or anything. Nothing.
So my diagnostics that they gave me, if they don't even know that
it still try to sell me a starter out give the fact they still try
to really believe that it was my starter. Wait wait, wait wait wait
once but once, once they changed out the cable and it worked, what
did they say about stop the cable all? They never changed out the cable,
are not changed but tightened it once they tightened it. They never even
I don't know if they tightened. They not to tighten it at the shop
when they weren't back to look at it. But when they called us,
they told us that it was our starter, that it wasn't the battery,
and that it still wasn't starting. So they gave us a quote of fifteen
hundred dollars. God, so my husband told him, no, is my
truck starting right now? To start right now? They told us no,
it would not start. So my husband said, I will fix that issue.
On my own. Then don't touch my truck anymore. Good, it's
not the starters. Then what did he do? What did he do?
Then? A we called Triple A, had Triple A call bring our truck
home. Yeah, as soon as that truck came off of that truck,
I started it. And we've never had a problem since starting it. So
how am I supposed to believe that the diagnosicsss? That sucks? It misty,
it's misty that sucks. I mean, if they tried to put you
together for fifteen hundred bucks, that sucks. Did you let him know that?
Yes? I told him all this, and then I've called the general
manager today to speak to him because he was out for the weekend. I
can't get him on the phone. I can't get a return call. I
paid three hundred and twenty something dollars for an oil change and a diagnostic,
and now I don't even know if the diagnostics correct because they don't know.
They're trying to do me everywhere else. So what am I say? Can
I? Can I ask you something real quick? I need to ask you
something real quick. The diagnostic you wanted on the lifters? Why because it's
kicking so they say that fifteen hundreds have a heimmy kick or whatever. We
just wanted to know if it was the lifters or if it was an exhaust
leak, because if it was the lifters or lifters are still covered under a
warranty that is through Mike Shops, I mean from when we bought the truck.
If not, and it's just an exhaust week, we can fix that.
My husband can fix that on it. I got it. What year
is that? What year is that? As a twenty seventeen dollars ram fifteen
hundred? Okay, so you know shared an auto tech fix? Hey,
you see what you can do? Leave a bad review on it on Yelp.
These dealers are so concerned about bad reviews. I just bought a Hyundai
and I must have gotten at least four or five different surveys about customer service,
et cetera, and the dealership called me up several times to make sure
that I filled out the questionnaire and gave them good reviews. So I would
definitely put a bad review for sure. They are really what else do you
want? Miss my money back? Wait? Wait, wait, wha wha
now now now wait a minute. Now we're getting somewhere money back for what
for the diagnostic? How do I know that that's even the right diagnostic?
If they weren't a charge me fifteen hundred dollars for a how much of that?
Okay, let's analyze that though, missy. How much of that was
for the diagnostic and how much of it was for the oil change? Okay,
so they charged me one hundred and ten for the oil change. They
gave me a package deal for two oil changes. They didn't rotate my tires
like they were supposed to. I had to remind them to do the oil
change after the diagnostics. But how much were you charged for the diagnostic?
One and ninety something? One hundred ninety eight dollars for the diagnostics? And
what was the result of the diagnostic change? Hold hold on, I'm getting
fifteen quote? Hey, hey, hold on a second. They the result
of the diagnostic? The lifters? Did they recommend any work? I didn't
hear you before? Go ahead? They just said that they gave me a
fifteen hundred dollars quote and said that it was an exhaust leak on exhaust menicoles.
Okay, now here, okay, So here's what I suggested. I
got an idea for you, then I really do. What I would do
is I would go to Sheridan Auto Tech and I would say to Kevin,
I was on the show, and I call him and ask him and say
that they told me we had an exhaust leak causing this tick on the lifters
and they quoted me fifteen hundred dollars. Can you verify if there's truly because
if there is an exhaust leak, like you said, you want to deal
with it, but ask them to look at that because if it is not
accurate and they charge you one hundred and ninety five to tell you a lie
or to quote you, I would agree with you. We'll fight to get
your money back. But we don't know. It's a bad it's a bad
diagnosis. We don't know that. But so my thing of it is is
that exactly I don't know now, So that's my whole thing. Well,
I know, but we never can demand You can't demand a refund because you
can't demand a refund because you think they gave you a wrong diagnosis. We
got to verify it, right, And that's my only that's my only things.
Like we don't have times of hard right now. You know what I
mean. We don't have another two hundred dollars. Let's ask Kevin. Hold
on, hold on, I want to ask Kevin how much it'll cost to
verify that or not. Maybe it's not going to cost that much at all,
So hold on and let's figure that out. Three zero three seven one
three eight two five five. Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three all
three seven to seven to one. Help. You'll think you're his only customer
when you choose Frank Durand the real estate Man dot com to list your home
with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom
Martino, your troubleshooter three all three seven one three talk three all three seven
one three eight two five five. So Mark has a question for pro bid
energy, I'll have him on first and uncle back to Misty. Go ahead,
Mark, Yes, sir, Yeah, I was just curious as to
how hard it is to sell the tax credit, the large tax credits.
Uh. Oh, you know that's a good question because people that get tax
credits can't always you use them. Yep, now I know that I'd love
to buy tax credits. To me, it's a no lose situation. If
you know someone has tax credits and you can buy them, let's say for
eighty cents, why wouldn't you do it? That's a twenty percent savings?
So Mark, what is the real deal on selling those? I really wish
I had an answer on that. I just don't. I mean, it
sounds like well good to be true. Have you heard of people buying them?
Oh? Absolutely absolutely? In fact bringing up a historic But is there
a broker? I mean, we're who do you go to to sell them?
And how do you transform? Like if Mark got him for his system
here he's calling in, how would he transform to me if I wanted to
give him eighty cents on the dollar that's above my pay? You know what?
You know what we maybe should ask. That's a good question. Mark,
You've heard of selling them though? Right? Yeah? I went through
a brook and I'm getting one. But I'm just I'm scared to death that
I'm wall Wait, wait, so can you use your tax credits or not?
I don't make enough to I'm an owner operator. I don't gross enough
to use that much tax credit. How much credit are you getting? Yeah,
sixty seventy thousand is what would be required to make it a zero?
And what would you be willing to sell them for? Because you know what,
I am not kidding when I tell you you'd be a moron not to
buy them if you can get a discount. I mean, you're not expecting
one hundred percent of it, right, you know you have to discount them,
right? What I understood is I would get eighty five percent of it.
Okay, even eighty five percent is better than paying one hundred percent,
right, I mean, in other words, it's to me, why wouldn't
anyone do it? The only time I think there would be risk is if
you didn't really get them. So did you get them yet? Not yet?
No, it's still undera you know, I think I think you know
this has been brought up enough that I think we need to actually explore it.
So China's he's a She was not nearly as enthused about tell them is
what I've been told? Now, who wasn't a grant writer, did you
grant? Yeah? What? Yeah? When you said the grant writer,
you're getting a grant, Yeah, I'm applying for the grant and wait,
wait, wait for a commercial So you're putting in a commercial system. There's
supposed to be a commercial system. Yes, but the delete grant covers either
you know, I want I understand. You can get the large commercial system
or you can get a smaller system, which I'm kind of leaning towards doing
now because I'm really worried about getting my tax credits sold. When after I
spoke to that grant writer, what company are you going through? Red Rocks
and hold on? So when you talk to red Rocks, what constituted a
commercial system? What do you do? What is it? Well? It
was when I, uh, when I had first talked to her, and
you know, started she told me how it would be, she explained to
me. And I don't really am no, No, I'm asking what is
the system going on a home, a building, a factory. What is
it going on? It's ground based on my property. Are you in a
rural area? Yes? And but what classifies it as commercial the fact that
it's on your property in the country doesn't necessarily make it commercial. What's trucking?
But is that land? Is is that area? Do you live where
you're putting the solar system in? Yes? How is it being classified commercial?
Do you know? I don't. I'm sorry, I don't. Okay,
Okay, I don't understand it. But is the grant going through?
Well? Now, that's another thing. I mean, because you got to
compete for these grants and right, yeah, and the oh, you don't
really compete, but there's a there's only a certain amount of money. That's
money. Yeah, and the larger companies come first, the bigger, the
big commercial systems. That that's right, and that's right. But but but
she's been successful, she's been successful at getting smaller ones done. Right.
What I want to know is what stage are you in right now? I'm
just waiting on the grant writer to and then to see if I get a
pre do not had it been submitted already? Yes? Okay, So it
takes about three months to get an answer back from REAP. But I'm curious.
I'm just curious. And again, you know, I have faith in
these companies in pro Bid Energy here, probit Energy, dot Com and red
Rocks Solar I mean, I have faith in them, but I'd like to
know how if you were eligible for a commercial system, I can ask.
Yeah, that's I'd like to know. But I would also like to know
how you buy a dang tax credit. Let's explore that. Because we have
another hour to go, I want to maybe get someone on who can tell
us how to do that, how to buy and sell credits. I'm Tom
Martine. Go with a sure thing, Denver's best roofer Excel roofing dot com.
You don't pay a cent until you're content. Time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three all three seven to
seven to one. Help. You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to list your home with Remax Alliance
three all three nine to zero, sixteen twenty two. Hi, Tom Martino,
your troubleshooter did Mark hang on? Okay? As he did? Sorry,
all right, But in any case, we're going to get someone on
to try to talk about the transfer from the research I see they say there
is a form you have to fill out an IRS form, and then a
purchase contract has to be executed and then they literally transfer with this form the
tax credits to you. But again I don't know exactly. I think the
form is called fifty six five. Now that's to claim the tax credit,
right, Yeah, you know there are some clearinghouses that do market the tax
credits. I'm trying to get some sure they take a commission on. I'm
trying to get somebody on the line for us. I have Mark back o
good r Mark or the other Mark ar Mark? Okay, Mark, what
I saw you were calling me Mark, and I can pick up what's going
on. Listen. So this guy, there's a lot of Marks on the
show today. So look this freaking moron who you just talked to and I
know he's listening. You are a moron. I talked to him, Well,
I talked to him like two weeks ago. He emailed Helpi Troubleshooter dot
Com saying, hey, I think uh I think Brooke in Red Rocks is
screwing me. So you know, I dropped everything I'm doing. I call
him up. Well, it turns out he went around and called some grant
writer or whatever, which is no big deal. There's nothing wrong with that.
But then after his conversation, his assumption is she's screwing him. So
I called up Brooke and I said, what's going on here, Brooke?
And she's like, I have no idea. This guy hasn't called, this
hasn't do anything. So I said, reach out to him and see what
he wants to do. She's tried to reach out three times now. I
just talked to her again in the last five minutes, and he will not
call her back. She'll let him out of the contract. It doesn't even
matter. Now they've already done work that they're basically going to have to pay
for, which they already did about thirteen grand, which was doing trenching to
lay the electrical line to go to wherever they're laying down the solar panels.
But this guy, he's like, under the assumption, for no reason whatsoever,
he's not going to get the grand money. That's all I can get
out of him. A hold on go with a sure thing Denver's Best roofer
Excel roofing dot com. You don't pay a cent until you're content. Time
for an insurance check up free no obligation comparison call Compass Insurance. Pay too
much your coverage at dozens of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer when you choose Frank
durand the Real Estate Man dot Com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two. Yea ripped news ned advice who
you don't have Come run anxious as fast as we can. Shooter's gonna help.
Come man, This is the Troubleshooter Show. No Tom Martino, Hey,
Tom Martino here, Welcome to the show. Three oh three seven one
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it and then seventy two months to pay with no interest. Renew home Innovations
dot Com through a three nine zero four to two thousand. Welcome to the
show, and I want to bring something up. We're talking about tax credits.
The actual process for selling tax credits. Do you have an expert that'll
be coming on in a few days he couldn't make it, or maybe even
tomorrow and tomorrow or not an email right now, we're gonna find out.
But that's what he does. He brokeers them. So what we're talking about
is this when you put in a solar system. Let's just say you got
fifty grand in tax credits or thirty or ten or twenty, but you don't
pay taxes, or you pay so small of a tax burden that it would
take you years to eat those up. Well, in that case, you
could actually get a media cash by selling them, and you sell them at
a discount. And to me, it's a no brainer, man. I
mean, I swear to you. If I could buy tax credits, and
I know I'm going to have to pay tax, why wouldn't I write So
anyway, here's the bottom line. Let's talk to this guy. He called
in originally, and then Mark called back after he called in. So this
smart called in and said he's he's trying to figure out how to sell tax
credits. He's not sure he can use them all. In fact, he
knows he can't. He says, there's a seventy thousand dollars tax credit,
but he goes through with this. He's in the process of writing a grant
and he was putting in a solar farm and I asked him, I said,
is this a commercial system? He said he didn't know. He said
he thought it was, but it's where he lives. And I said,
well, how did that happen? And then I guess he said he wasn't
sure, but he was using red Rocks by the way, who by the
way, I love I love Red Rocks, roof and Solar good people,
and we've had great reviews about them. So he was mentioning that, and
then Mark Major Major, Mark Major called up and said, this guy's a
moron. This guy, you know, basically, he was complaining. He
went out on his own and did something, and I didn't understand it completely.
So what I wanted to do is punt some perspective on this to begin
with, so to be fair, and I want I want this caller Mark
to know I promise you Mark, I will treat you one fairly, Okay.
I want to get a perspective on this, not from Major Mark Major,
because he was hearing it secondhand, and I don't want to hear it
secondhand. I want to go right to Brook at Red Rocks and ask her
first and foremost about your system. Then you, by the way, Mark,
we want to get you help, okay, and see what's going on.
So Brooke, if you could just talk to me for a minute.
Mark is a customer, and by the way, I didn't get the sense
he was complaining. I truly got the sense he was simply asking questions and
he didn't have a lot of answers. So Brooke, could you explain Mark's
system? Is it a commercial system? Yeah? Absolutely so it is.
We are applying for the REEF grant, which is ties to here arms or
slash ad or commercial projects. So he has a business and ll F and
so that's how it's qualifying as a business aspect. We are intelling this project
as a ground mount. It's not going on his residential home. So again
that allows him to utilize the green and utilize it as a commercial project because
it's not on his residence and his LLC business is tied to that address.
And what kind of an LLC business is it? Is it just to get
this grant or is it for something else? No, it's been functioning for
a while. I spoke with his accountants prior to him signing the contract a
few times to make sure that all of this made sense and worked out for
him. So from my understanding, the accountant was working with him on his
personal as well as his business tax credits. So okay. And so he
was going to get this he was going to get this system paid for and
was he going to sell some of it back to the grid. So he
wanted to install as big of a system as possible because there's no downfall to
doing that with the grants. So we're installing a twenty five point eight kilowatt
system I believe is what the contract says. I don't have a contract in
front of me. I apologize, but it's a pretty good size system.
It's not a solar field, but he would be overproducing depending on what his
power is. He hasn't lived at the property, so there is no historical
data, so we're unsure what he'll make off of it, but he will
make some unless he utilizes all that power. Okay, And then now I
want him to explain what his concerns were. So let's go to Mark the
solar mark up here. Hey Mark, okay, Now I understand what you're
doing, So now what are your concerns? Go ahead, sir? Okay,
Hi Brooke, if you're listening, uh, don't listen to Mark Major.
I mean I was. I just called in to ask a question on
how I know you did it. I know you did. Go ahead,
sir, go ahead to sell. So when I talked to the grant writer,
she had some things to say that can brought concern because she was like,
this is going to be a sixty six year loan and and she told
me, and that's what I was when I wrote in on the email.
I was trying to get like a uh you know, somebody that didn't have
a dog in the fight. No, I met Mark, Mark, Mark,
listen, I promise you. I don't have a dog. I promise
you, I don't. I like Brooke and she's a sponsor, but I
listen, I will find out exactly what you are Tom. What's that to
work? She's okay, I didn't work with her, but I will.
I will get you independent information if you want me to. Okay, But
but I need to ask you something what I don't understand what it is that
the grant writer was trying to explain to me. And that's why I was
trying to good help. I want to know too, buddy, who could
who you know? But hold on, Mark, when you one thing at
a time, Mark, Mark, one thing at a time. You mentioned
the grant writer told you that it's not really a grant, but it's a
sixty six year loan. Well, that's what my obligation would be because I'm
not going to be able to she was explaining to me that, and I
don't understand what she was talking about. I'm sorry, but I won't be
able to get the system fully paid for and when I told her, well
that Brooke had told me that she can sell my my credits and would pay
that back. She was very concerned that that doesn't work very well. Well,
okay, everything I'm reading says it works one hundred percent to say you
can sell to credits all day long, everything I'm reading, So I guess,
but I want to ask Brook to explain a few things. What is
the Brook, What is the the sixty six year obligation he's talking about.
To be honest with you, I'm unsure. And so what I did after
hearing this concern is I started having one of my staff, with the individual
doing the grant as well as our grant writer, to all sit in together
to make sure there wasn't any confusion, because it sounds like there's some confusion
going on here. So again I sat down with Mark and his account and
we knew his tax liability wasn't high. So over the next six years,
I modified when he would be able to recoup the tax credits and the depreciation
and the other benefits because we knew it was going to be a small amount
throughout the next six years, but that he would recoup all of that value
within six years. Marty is a fantastic grant writer, she's the best in
the but she's not an accountant, and she's only looking at part of the
picture. So that's probably where the disconnect happened, if she's only looking at
a small snippet of financials. Whereas Mark, please tell me, how long
have you been working with your account it. Well, I've known James for
years and years. But hey, yeah, he didn't quite understand how this
was all going to piece together either, you mean, hold on, he
didn't understand which part of it the grant, the depreciation or the tax credits,
which part How how I would regain the Okay, so it's one hundred
and thirty one thousand dollars system, how I would get that paid for?
If I don't qualify for that much? Okay, Okay, hold on,
hold on, one thing at a time, first and foremost. On that
system, you would get tax credits. And if you don't qualify, if
you're not going to use tax cred credits to use your tax credits, as
Brook said, over the next six or seven years, then what you would
do is sell them. And what I heard the going market is about eighty
five percent. You would get of those tax credits. Now a Brook,
you can correct me on that if you want. But so after that there's
depreciation. But if you're in a tax bracket Brook, that isn't high enough,
depreciation doesn't do you any good either. Sure, so he has a
tax liability give or take of every year between eleven and twenty thousand and so
that's what jas is what I think is feasible for for this tax liability this
year based on his history. So that's the part that we were working on
to make sure that he would recove all the value within six years and James,
myself and Mark agree to that. Now, if you will sell the
tax credits, you can't gain that depreciation. And if he does an equity
partnership, then that equity partner can gain the depreciation and write the check to
Mark as well. So there's a couple of different ways that you can skin
a cat in this instance. And the first part, though, gets the
grants. If a grant gets awarded, then that's fifty percent of his system.
Then we can figure out the other pieces because he still has the option
to get out of the contract if he doesn't get the grant or if the
tax part of it doesn't work out in his favor, But the biggest thing
is getting the grant approved before September, and then we can kind of do
next steps on how he wants to work out the rest of the system.
So Mark, what she's saying is, Mark, what she's saying is if
it doesn't work out where it's not the economic picture you want, you can
get out of it. Yeah. I'm in the game to squeeze people out
of money or to do things right. No, I know that. I
know that, Brooke, I know that. I'm so. I was just
concerned that maybe there was a misunderstanding between you and the Brook and the because
she told me some things that and I was like, well that didn't really
square up. Now I'm not Look, I'm I want the system. I'm
I'm I'm happy with everybody you sent out to the property and you know,
and you guys have taken really good care of answering my questions. I was
trying to get some outside information so I could compare what you know everyone's telling
me. And and and when Mark said, Mark Major said that I went
out behind everybody's back and called a grant writer. That's that's not true,
Brooke, and Pamela set the meeting up for me. Okay, hold on
and hold on, I want to listen. I want to just make sure
you get the information you need. And I'm going to go back to Mark
anyway, because he wanted to say something. But let me just say that
quickly, you called in to find out about selling tax credits, and also
you had a question, rightly so about the grant. But I want to
did she insinuate the grant writer that the grant is an obligation. It's hard
to explain what she said. She said, I was because I put such
a large down payment I wasn't going to get because Brooke told me I was
going to get like a sixty five thousand dollars check from the grant when the
system was installed and approved and then they would write me that check. And
I had mentioned that to the grant writer. She said, well, you're
not You're only going to get I don't know fifty eight or whatever it was
that she told me. And you know, these numbers are just off the
top of my head. And then when did you say you'd get the rest
of it? That would be all I got from the grant from the because
it had something to do with the amount of money I put down thirteen thousand
dollars and so, okay, okay, this is this is clearly okay,
fine at least now I know though, that you're in the process with an
out clause. But Brooke, do you understand why. I'm just curious why
a grant writer would even talk about the actual whole deal when they're only concerned
about the grant part of it. I'm confused about that. Well, so
the grant entitled every aspect of the project, so they got to know that
whoever's the grantee can come up with the funds either have to finance the funds
or they have to have it in their accounts. So that's probably why she
was talking about the loans. And then they always have to write kind of
worst case scenario for the grant. So let's say that Mark doesn't get any
of his tax credits, so there's a couple issues that go down the road
or anything like that. That's probably what she was trying to go through because
that's how she's going to write the grant. Because again, when you're writing
grant, it's a pretty lengthy process. It takes about two to two and
a half months for her to publish it true, and so again I would
assume what she's chatting about is worst case scenario. Now, if for some
reason all of the folks doing this grant don't get the full fifty percent covered,
that's what's written in the contract. So then I have to come up
with a difference. And that's how I feel for me to do. So
what's to work with whatever needs to happen on this project? Mark, I
just wish that maybe having conversations with us, we could have given you all
this information to say, here's a length to look at this reason and Mark
Major. I want to bring Mark Major up because Mark Major said he told
them all of this. I guess Mark, go ahead, Mark, I
got to take a break, but go ahead. Start coming from my ears,
every bit of this. I had this same conversation with So I want
to read you something that I received on July ninth. So I had talking
almost two weeks ago. Here's what starts off, and it's for Mark and
I'm not even going to say his last name. It starts off Hi.
I thought i'd let you know Brooke White appears to not be a straight shooter.
Then it goes on to condemn her, and this guy's so full of
crap. I called him immediately, And for people listening to the show on
referral lists dot com, if they're a sponsor or, an endorsement or on
referral list, I call immediately on any problems. Yes you do, I
guess you do. Mark, What the hell's going on? This is crazy?
And he starts talking to me about some third party that told him he
might not get something, and I'm like, whoa, what are you even
talking about? Mark? I mean, what do you want me to do?
Do you want me to call Brook back and have her canceled the deal?
Do you want me to do this? What are you looking for?
He goes, I don't know. I don't understand, And I said,
well, if you don't understand, why are you starting off with Brooke White
appears not to be a straight shooter. And then when the conversation finally ended,
I thought everything was solved. I really did. Then I'm leaving today
and I hear him on the phone like like he might talk to something called
in and asked I just called in and asked how hard it is to sell
a tax credit? That's all I did, Mark, Yeah, that's what
he did. Okay, Mark, I still don't understand. I'll tell you
right now, if you want out of the deal, Brook's going to let
you out. I don't even know why he didn't say he wanted out.
He would, Yeah, let him choose, just go bad. No,
I can play the tape. He was talking about grant money and possibly not
getting it in this conversation before I called in, So don't act like it
was just about tax credits. I heard it. I'm not anyway. I'm
asking questions, he talked, Okay, more and Mark and Mark, you're
you're You're welcome to ask questions. I get it, I get it,
and and this is a big purchase. I gotta take this break, no
matter what go ahead were dragging. We got to do it. Go with
a sure things Best roofer Excel roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three all three, seven to seven one help. You'll think you're his
only customer when you choose Frank Durand the real estate man dot com to list
your home with Remax Alliance three all three nine two zero sixteen twenty two.
Hi Tom Martino here, Welcome to the show. Three h three seven one
three talk seven one three eight two five five. Mark has a plumbing question.
Another Mark. We've had so many marks today, so anyway, go
ahead, Mark. Yeah, I have a house that's built on a slab.
Yeah, and uh the leak is underneath it. Uh. Oh and
I've I've confirmed that that that's the general location. My wife, Now,
what kind of leak is it? Do you know? Is it fresh water?
It's yeah, on the water system Denver water is there. So it's
your main, it's your main coming in. No, it's it's not the
main coming in because uh, I turned the valve. The valve at the
house. So everything's good up to there. Okay, I shut up all
the all the Now let me ask you this. When and how did they
plumb the house. You have a main coming up to the house, you
turned it off and nothing is leaking. So from then it goes from your
meter into the house. Does it was it all buried in concrete? Uh,
it's buried under concrete. They when you say under concrete. Okay,
got it, but it's not in the concrete, correct, Okay, go
ahead, keep going. So now what So now, I would wanted to
get a plumbing company that you think that you have on your list there,
that you think can come and help me out with that, because first thing
I do, I gotta know where the leak is and then we're right get
it repaired. Now, as far as finding the leak, I'm not sure
I have someone. Now I have great plumbing companies, but I'm really not
sure I have someone who can pinpoint a leak like that. There are companies.
I don't know how they do it, but there are companies that do
that. I don't know how they do it. I think they they they
have to go inside the pipe, but I'm not sure. They're leak detection
services actually, and that's not the name of the company, that's the name
of the genre. They're leak detection companies. And I don't think we have
anyone on the referral list. So there's two parts to this. One is
finding the leak and then the other one is fixing it. Now, fixing
it. Let me tell you the danger you have with fixing it. Okay,
if you find a company, a legit company, good companies like Plumbline,
like Brothers, like fix It twenty four to seven, like any of
them. If you find a good legit company, it's going to cost you
a crap load of money, okay, because they sub out what they don't
do and they have to be responsible for it, so there's a markup on
what they don't do. They're going to have to find people the jackhammer to
the slab in that area to excavate it out, to do all of this
work. Okay. What I'm saying is it's expensive as hell. All right,
Now, this slab is in a basement or is it on your main
level? It's the house built on a slab, so it's just underneath the
concrete. No, I get it. But what I'm what I'm asking is
this. There are houses built on a slab, but they have kind of
like an elevation and then a first floor. But this is your first floor,
right correct? Okay, well, then you're going to have all the
cosmetics. What if it's right smack dab in the middle of your kitchen,
so gotta get it fixed. Yeah, but if there might be I'm going
to tell you something. You may not want to hear, but it might
be more advantageous to vacate the pipe and reroute it, depending on where it
is and which if it only goes to one line. Like, I don't
know how your house is plumbed. Do you have a plumbing plan of that
house? No? This house is built back in nineteen fifty four. Okay,
so you don't have any You don't have any idea where the pipes go
under that slab? Well, I kind of do because of the way it's
only out a bathroom and a kitchen that there's water too. Okay, Okay,
Now is there a way to isolate Is there a way to isolate either
of those lines underneath the sinks? Uh? Not? Well, h I
have shut off elves on all the all the lines that come up on the
thing, just like any Here's what I'm getting Here's what I'm getting at.
If there are people smarter than me that do this for a living, and
they'll figure it out. But if it's if you go from your main and
offshoot to the kitchen and offshoot to the bathroom. If that's the way it
works, and one of those fresh water lines is leaking, sometimes rather than
trying to fix that line. It's it might be better to literally do some
pecks and and try to just go in another way to get to your bathroom
or kitchen. It might be better that way rather than trying to just jackhammer
the whole damn thing. I mean, you could have one hell of a
mess on your hand with with PEX plumbing, you might be able to get
it routed to the kitchen or bath in another way. I'm not saying you
can, but there are all kinds of creative things you can do with the
new technology. Again, it's gonna no matter what, just trying to figure
this out, the detection and diagnosis is gonna cost you some money. Hold
on, let me see if we can recommend someone. Hold On, go
with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance checkup free, no obligation.
In comparison, call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three, seven to seven to one
help. You'll think you're his only customer when you choose Frank Rand the Real
estate Man dot com to list your home with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three all three
seven one three talk seven one three eight two five five. Now here's the
deal. We uh need to talk to Mark about this plumbing question. And
he said he has the underground leak. Now, Mark, I looked online
here. Okay, I'm gonna tell you that we don't have anyone that specifically
does groundwater leak detection. Okay, I'm gonna tell you that, but there
are companies that do just that, okay. And what you really want to
do is find someone who does that. That's that's step one. Then getting
it repaired, you're gonna have to go to a plumbing contractor like a plumb
line or fix it twenty four to seven. And I bring up I'll bring
up others. I mean, you have Master Services, you have a number,
you have eight eight eight heating dot Com, you have a number of
companies and get bits because it's going to be expensive. But pinpointing it is
the first thing you want to do. Are you there, sir, Yeah,
I'm here. So it's the detection part I want to do first.
Now, let me. I'm looking here on leaked detec detection, and even
though they all say they kind of do it, they really don't specialize in
it. They don't, not in the ground, not in what you're talking
about. There are some companies that literally like that's what they do. They
do just leak detection, and you're just gonna have to google it. Bro.
I just don't have anyone I can tell you offhand. But there are
companies that's all they do, and they have really good they have really good
ways of doing it. And then after that then you can contract to have
a pinpoint kind of repair done. But man, is it going to be
a mess because they're going inside your main floor to dig down through concrete.
Think about that. I mean, now, there are some other there are
some other ways. Plumb Line does pipe, they do something. They do
it with drains. I'm not sure they can do a fresh water line where
they pull a fresh water line through dirt underneath, but I don't know.
I don't know. Excuse me. They do it with sewer lines. I
don't know if they can do it with fresh water lines, but it's going
to take some research on it. How bad is the leake? Do you
know, not really, I can only to make kind of from the UH
meter, you know. Okay, you know, go on the internet and
do I did groundwater leak detection. Okay, that's what you want, because
that's what it's called ground ground plumbing leak detection, ground plumbing leak detection.
And then once you kind of located, I'll help you find someone to do
it, but you you need to you need to locate it first, all
right, all right, and they have special ways of doing it, they
really do. Three oh three seven to one three talk Nina or is it
Nina? Nina your mom's estate. We're gonna try to answer that question for
you right after this if you can hang okay, because I got behind because
of that that controversy. You'll call with all the marks so we got more
coming right up. Go with a sure thing Denver's Best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Time for an insurance
checkup free, no obligation. In comparison, call Compass insurance paying too much
your coverage at dozens of insurance companies find out now three all three seven seven
to one help. You'll think you're his only customer when you choose Frank durand
the real estate man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Nina. But Mark, you guys
do the rep grants right and it's an absolutely Uh, you do it right?
Yes, absolutely, and you can help commercial operators too, absolutely.
Probinenergy dot Com three O three six two three fifteen thirty one. Uh,
Nina. What is going on with your mom's estate? Nina? What's happening?
Well, my mom was ninety three and she passed away last December,
and I discovered that she had had her will changed six months prior to her
death. She was ninety three, elderly, some dementia going on, and
her entire estate was turned over to a person who none of the family has
ever heard of. Oh you know that sounds that stinks of that really stinks
of something fishy. And did that person get everything already or not? We're
in probate right now. But they came and stole my mom's nineteen sixty one
Classic Corvette out of her garage. Now, wait a minute, did they
steal it or was it in the will? The content it was in my
mom's garage. She did not delignate specifically the corvette. Who is this person
that took who are these people? Who are they? Was it a caretaker?
It was a relation to the lawyer who wrote up the will. Well,
that's ridiculous. Did you wait a minute, have you gone to the
Supreme Court Oversight Committee about this attorney? I don't know where to go.
Wait a minute, Nina, this is this is unbelievable. We're going to
continue this. Let me get this straight. Your ninety three year old mom
dies and someone who's a relative of the attorney that did the will stands to
inherit everything. Yes, oh no, no, no, no, this
sucks you hang on, uh Kaschina, Let's get her on. This is
ridiculous. Let's start her off tomorrow. See you, guys,