WEBVTT

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Yeah, ripped up. You need
advice, so you don't have come run

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instant as we can show. Shooter's
gonna help coming man. This is the

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Troubleshooter Show. No Tom Martino,
Hi Tom Martino, you're Troubleshooter. Welcome

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to the show. Three oh three
seven one three talk seven one three eight

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two five five. As you'll see, my wifesid. I got a guest

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here. I have Mark with me
from pro Bit Energy about solar. You

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know, there's only a couple solar
people I've endorsed because the industry is really

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really difficult because so many companies come
and go. Mark, you even told

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me that a lot of business,
a lot of solar businesses have gone out

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of business. Why do they come
and go so quickly? You know the

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ones that recently went out. One
of them is typing in there a Titan

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was Giant Giant and they're just a
sales organization. They subcontract the installs out.

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So once that's done, that customer
is not going to get service because

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the EPCs it's not the okay,
So when a consumer wants solar, well,

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how do they protect themselves? And
by the way, I don't mean

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this against you. At all or
against Red Rocks. I love them.

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I love you guys, Probid Energy, but maybe you guys aren't going to

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be around forever. So when people
get solar systems, is there I mean

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no, No, obviously your whole
model and red Rocks your whole model sales,

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service end, and not even service
even those you haven't installed. You're

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trying to be a full service solar
company. And the components are made by

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companies that don't go out of business. The components are solid. Yes,

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the people that so can a consumer
find let's say, pro Bid and Red

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Rocks and around, and they bought
a Maybe they're in another part of the

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country listening right now. They bought
a solar system. None of the people,

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none of the people that they're they
were associated with, are around.

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Who do they call for help?
Can they call the manufacturer and say do

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you have anyone that services there?
Yes, they'll call the manufacturer and they

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might direct them the inverter and face
solar edge. They might say, yeah,

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here's a here's an installer that we
work with. I think there's a

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room. And again I'm not talking
about here. We have two good companies

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here that I love and today's probid
Energy dot COM's day and and you do

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everything Redrocks does. But here's what
I want to say. We need independent

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solar servicing companies, YEP. I
wonder because think about this, if you

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did nothing but serviced solar systems,
I'll man, I imagine a good servicing

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company and you guys will do that. Haven't you been able when I sent

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you out to people who whose companies
have gone away? Haven't you been able

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to even get warranty work done under
their manufactured Some cases we can connected to

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the manufacturer because if the components are
are warranted, they don't care that.

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As long as it's a component service
company, you can get it warranted.

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Right, you bet? And we
are with all the people I want to

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concentrate today on all you orphans,
solar orphans yep. A pro bid has

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helped a lot of solar orphans.
And a lot of these solar orphans need

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their systems taken down because of the
hell we've had and put back up and

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put back up. And if a
certified installer like US doesn't do it,

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it negates their warranties. All right, people, there you go, and

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by the way, this are brought
to you by waterpros dot net. You

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know how I feel about them.
I'm serious. First, you need a

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water system, especially for drinking water, and they're the best systems at the

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lowest prices. Three h three eight
six two five five five four Jasmine.

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What's going on with you, Jasmine? And of course I am well aware

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that there is there's major news all
over the country about politics and all that.

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Now, now, I only mentioned
politics here when it has to do

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with you and your personal finance,
or when it comes to education of our

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rights, responsibilities as I call it, life, liberty and the pursuit of

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happiness. Right now, things are
in a state of flux. We know

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that. Feel free to comment if
you want. I only talk about things

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as it relates to inflation and things
like that. As you know, and

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I've gotten a lot of flak for
this. I don't take strong stands and

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try to change your mind, your
hearts or anything. I just want to

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help you not get ripped off.
Okay, But I'm not blind to the

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fact that you guys are tuning in
and I know you have a lot of

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places to listen to. But if
you want to break from the let's put

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it this way. The pontification.
You can come here. That's not to

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say I won't talk about it.
I've talked about issues before and how they

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relate to us personally on a day
to day basis. Right now, speaking

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of that, inflation is still making
things more expensive, and it's not as

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terrible as it was. Investing,
the stock market's doing pretty good. The

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problem with the stock market that I
see is that when the stock market does

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well for no reason, when there's
no fundamentals driving it, it gets scary

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because there's really no prediction. I
mean, you know what I'm saying is

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usually stock markets do well for reasons, and they do badly for reasons,

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or bonds do well for reasons and
bonds don't do well for reasons. Right

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now, everything seems to be a
hodgepodge as far as personal finance, but

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again I acknowledge it. But I
want you to call with your problems,

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questions, complaints, and if you
have any comments on today's news in the

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world and how it relates to us
us on a day to day life.

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Let's do it. So, Jazmine, what's happening with you? Hi?

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So I need some help with my
apartment complex? Okay, So what's going

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on, Jazmine, what's happening?
So we had a kitchen fire. Sadly

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that was pretty bad. Did you
have renters insurance? We did. We

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have really good insurance, and we
took the insurance and the apartments really complex

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right away. Their insurance is waiting
for the apartment complex to fill out peoplework

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or do something in the way your
insurance is waiting. Your insurance is waiting

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for the apartment complex. Yes,
yes, yes they have been for the

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last four months. They tried sitting
in an adjuster out, but they didn't

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have all of that. I don't
understand what your insurance need. What does

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your insurance need? They need them
to go right, like an estimate of

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like and tell them, like what
appliances need to be replaced and the cabinets

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and the wall. So you so
you're you can make a claim? Yes

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I started one, but they needed
insurance or so you're your renters insurance.

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Now this kitchen fire, was it
your fault? It was an accident,

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but we weren't home when it happened, so we tried. I still haven't

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done it yet. I may not
I may not have phrased that the right

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way an accident is your fault if
it started in your kitchen with you,

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unless some like for example, where
it wouldn't be your fault a squirrel gets

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in and does something, or or
you know what I'm saying. But but

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you were cooking and it happened.
Is that what happened? Gentlemen, I

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was I was not cooking. Tell
me what happened. I'm just curious.

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I'm just curious if your insurance is
going to pick it up what happened.

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No, yeah, they'll don't take
it. They'll definitely take it. They

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will take four responsibility and pay for
everything. But what I'm thinking is happening

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is that I have a new puppy
and I think he tried getting something on

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the counter and got something on fire. Okay, got it. When we

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came home, our whole kitchen wasn't
blamed. We oh my god, out,

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may I ask how's the puppy by
the way, Oh, puppy fine,

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we have a back door. He
was outside on a back door,

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so she had a kitchen. You
had a kitchen fire. Your renter's insurance

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will cover it, but you need
information from the apartment complex that they're not

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providing. Now. You would think
the apartment complex wants to get this fixed

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up, So why aren't they providing
the information? Then, I have no

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idea. I call them every other
day and I don't talk to anybody.

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They never call me back. I've
gone in there on person trying to talk

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to a manager. Manager's ever there. Every time I call and actually get

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a hold of someone, or someone
calls me back. They said that they'll

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call me back. They have to
go figure out the answer for whatever I'm

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asking, and I'm not getting anywhere, like they just how long has it

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been? How long has it been
four months? Oh my goodness, Wait

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a minute, have you been without
a kitchen for four months? Or are

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you now temporarily living somewhere? No? No, no, because I didn't

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want to pay for a temporary airbnb. Yeah, but your insurance should pay

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for temporary housing. Yeah they should, But apparently my apartment needs to They

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can put us into another apartment,
complet or another apartment. Okay, so

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right now, the reason for the
call today is you need to get it.

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You need to get damages details from
management as to what they expect you

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to fix so you can submit it
to your insurance. Yes, that's reasonable.

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Why would it take four months?
And you still don't have it.

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I I have no idea that I
don't I don't even have the managers everything

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seen the pictures I sent in or
even came to my apartment. I had

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to take my mark away that was
all melted and burned down. I took

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a part from the burnt cabinets because
my entire house old. Oh my god,

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this is unacceptable. Now were you
able to get wait, did you

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at least have a restoration company go
in and clean it up? And they

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paid your insurance? I asked you
times to have the the apartment complex and

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my insurance, and they said,
well, we have to get I want

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you to hold on. Yes,
I got two things I want to do

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for you, Adjasmine. Two things. I want to first get our insurance

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experts on from Compass Insurance Group.
Then I want to get someone once we

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ferret through this and see what their
responsibilities are. Then I want to put

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somebody on it. One of my
people, I know Doc is listening in

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the studio right now. We need
to put someone on this. But first

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let's talk to our insurance expert,
which is Compass Insurance. So hang on

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nine two zero sixteen twenty two.
Hi Tom Marchi on your three all three

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seven one three talk three all three
seven one three eight two five five.

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Welcome to the show. Did we
encompass on Kitchina or read too busy talking

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to your your boys behind the scenes
about politics? Come on, I need

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Compass in the house. I want
to ask them some questions about the insurance

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issue, about renter's insurance, because
I personally don't think renters insurance necessarily needs

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the apartment complex. I think they
can send an adjusture there and start the

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process. To me, it sounds
like a delaying tactic technically, So until

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I get them, until I get
Compass on, we'll talk about other things,

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whatever's on your mind. Three three, seven three talks seven one three,

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eight, two five five. And
speaking of insurance, I read today,

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Oh my god, it's amazing.
All over the country homeowners insurance.

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Homeowner's insurance is skyrocketing all over now. Condo developments are being dropped altogether,

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completely dropped, and an apartment buildings
and places where the losses are so hefty,

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and a lot of condo owners are
finding themselves self in short. Now,

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let me tell you what that means. You're going to have a big

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problem when they're you need a roof, and it's a five hundred thousand dollars

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job, and you have to pay
your share, and it doesn't matter if

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you're on the bottom floor or the
middle floor. You're going to have to

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pay your proportionate share. Now they
might go by square footage of the condo,

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not just divide it by the number
of units. But you're still going

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to have to pay a good amount
of money and that is going to devastate

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a lot of people. So here's
what's really weird. A lot of people

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that buy condos are younger or older
because it doesn't have the impact of buying

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a home. But it's artificial because
all of that responsibility is still yours.

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It's just delayed. Now here's the
twin edge sword. People who live in

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condos. They want low HOA fees, so they lobby for low HA fees,

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or they have boards that give them
low HOA fees. But then the

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coffers get low and when they find
out they have to pony up a crapload

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of money on a deductible or a
co insurance penalty or for maintenance. These

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owners are faced with giant assessments and
assessments they can't pay. When you live

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in a condo, you are subject
to everyone you live with. It's like

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having a thousand roommates because if they're
not financially stable, you're not financially stable.

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I'm going to give you some examples
that will break your heart. There's

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a place that a club Valencia,
and this is an amazing situation. I

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think the people are still out on
their asses. But there was a catastrophe

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there. I believe that was a
fire, but they discovered asbestos and other

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things and they couldn't rebuild. So
everybody suing everybody. Really, tenants are

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suing. Insurance companies are suing,
the management is being sued, the owners

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are being sued. And it's a
nightmare because it's been now years and no

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one can get back into their units. They're just places. I don't even

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know what they're doing. A lot
of them has walked away from their equities

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that the hell with it gone bankrupt. There is no equity. That was

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the problem. There really wasn't any
equity because most of them mad loans.

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I believe it was in twenty twenty
three. According to this lawsuit, fire

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originated in unit one one and the
defendants have property, they own it or

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part of it. Then they said
at the time of the fire, the

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defendants had least or otherwise permitted someone
to live there and that person's being sue

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too. Then the fire and the
remediation efforts caused considerable damages to the major

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premises that exceeded five million dollars.
The violations of duties, obligations and blah

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blah blah are against each defendant.
Now they're asking I mean, okay,

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they're asking these defendants to pay up. They're not going to pay. Their

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insurance aren't going to pay they so
the HA won't pay. No one will

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pay. So the South Metro Fire
Rescue Authority concluded that the fire was let.

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The fire was that a person left
unattended something or the person was ninety

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four years old and cause the fire. Basically, I'm trying to read through

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the legal ease and the negligent acts
caused all of this, but they didn't

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have enough insurance. This is a
nightmare. So well by Tom. The

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same was with individuals. If you
recall with the Boulder fire, ninety five

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percent were underinsured. I mean that's
massive. There's a lot of people out

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there right now that don't even realize
if their house burned down, they don't

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have enough to rebuild it. No, they don't. You're right, they

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were sadly under insured ninety five percent
and as a result of that, by

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the way, they have to walk
away and when they walk away. They

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lose every dime of equity they had
in that home. Now, had there

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not been a fire, they would
have been able to sell the house and

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make the equity right, or pay
it off and have the house. But

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what happens when you're under insured,
They you're screwed. Now here's probably what

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happened with all of those fires.
People wanted to save money on insurance,

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and they went to the insurance carrier
with the lowest cost and the lowest premiums.

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And a lot of these insurance carriers
did not do their due diligence.

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They did not accurately assess the values
and therefore offered cheaper insurance. And this

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is how that works. A lot
of people believe, well, if my

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house is worth a million dollars,
why should I ensure it for a million.

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The only time that'll come into play
is if I lose the whole house.

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But ninety five percent of the time, or maybe even ninety eight percent

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of the time, I'm not gonna
lose the whole house. I'm only going

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to lose the roof or the siding, or maybe some water damage or maybe

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this or maybe that, And the
biggest claim I might have might be one

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hundred, one hundred and fifty,
maybe two hundred thousand. So they look

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for places that will insure them for
let's say five hundred thousand instead of a

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million, and they think they beat
the system. You see, they think,

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hmm, now I'll get a roof. There's no roof that's going to

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cost five hundred. I'll get a
roof, I'll get if my sewer backs

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up, I'll get covered. I'll
get covered. But they're only fifty percent

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covered on their home. Therefore,
the insurance company looks at your total insurance

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and says to you, oh,
oh yeah, you're only fifty percent covered

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for any damages. And you wait, you say what, yeah, even

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though the roof might only be thirty
grand, we're only paying fifteen. And

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then you have to pay your deductible
because you were not insured for the whole

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million dollars. You were only insured
for half of it. So you see,

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these shlock insurance agents who you get
who offer you super cheap prices might

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be doing that because they're under insuring
you and you are being screwed in the

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long run because it'll come out in
every single claim. So, man,

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I have to tell you this is
wrong. Some shlock insurance agents are even

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lying about the condition of the house
and the roof. So if you need

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a roof, they make you buy
one before they ensure you if you need

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one if it's old. But some
agents, in order to get the business

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they want to get their commission,
they won't say, hey, this roof

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is old, they'll just overlook it. Then the underwriter gets involved at your

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next loss and say, wait a
minute, you should have replaced this roof.

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And they don't say our agent was
wrong, they say you're wrong.

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So there's a lot to lose when
it comes to insurance. You don't trick

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the system when it comes to insurance. And I'm no great lover of the

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insurance industry, but if you want
to be insured, you have to be

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insured for what it's worth. I
can't tell you how many times people have

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said they had a car and it
had this and this and this and this

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and this and this, all these
upgrades, so it was really worth thirty

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thousand more than it's apparent book value. We've had this happen all the time.

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But were they insured for that,
No, they were insured for book

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value. They want the benefit of
the more expensive car, but they don't

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want to pay for the coverage of
the more expensive car anyway. Those are

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the pitfalls of insurance. Now,
Jasmine, hang on Kaschina, give me

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an update. Is Compass not available
today? Are they not around? No,

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00:22:07.880 --> 00:22:11.599
They're going to be available in about
fifteen minutes. Thank you so much.

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Okay, so we'll have Jasmine with
Compass because I'm want to get their

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00:22:17.279 --> 00:22:22.119
take on this, because I believe
that her Renters Insurance might be jerking her

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around. Three oh three seven one
three talk seven one three eight two five

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00:22:26.039 --> 00:22:30.599
five. By the way, if
you're having any AC problems, you're getting

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00:22:30.599 --> 00:22:33.599
a break in the heat eight eight
eight Heating dot com good people you ought

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00:22:33.599 --> 00:22:37.440
to call. They can come out
and check your air conditioning. And if

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00:22:37.480 --> 00:22:41.640
you have a solar system, by
the way, they specialize in high efficiency

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00:22:41.680 --> 00:22:52.880
electric systems. That's three oh three
seven seven zero two seven seven six go

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00:22:53.000 --> 00:22:57.240
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

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00:22:57.279 --> 00:23:04.640
a cent to your content time for
an insurance check up free, no obligation.

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00:23:04.680 --> 00:23:10.160
In comparison, call Compass insurance paying
too much your coverage at dozens of

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00:23:10.160 --> 00:23:12.759
insurance companies find out now three oh
three seven seven to one. Help.

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00:23:12.920 --> 00:23:17.720
You'll think you're his only customer when
you choose Frank durand the real estate man

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00:23:17.759 --> 00:23:22.200
dot com to list your home with
Remax Alliance three oh three nine two zero

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sixteen twenty two. Hi Tom Martino
here, three oh three seven one three

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talk three oh three seven one three
eight two five five and uh, we're

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00:23:36.279 --> 00:23:38.559
here with a pro bid energy by
the way, talking solar, talking anything

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00:23:38.599 --> 00:23:41.799
you want. We have Jasmine here. We were talking about homeowners insurance and

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problems, and I'm telling you we
got a big, big, big problem

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when it comes to when it comes
to insurance, especially when it comes to

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congregate living, but even regular homeowners
insurance is getting out of the realm of

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00:24:00.799 --> 00:24:06.240
reality, and all over the country
people are wondering what to do. Do

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you know rates have gone up sixty
percent in some areas. Can you imagine

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paying sixty percent more? Now?
That's so ours went up. Listen to

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00:24:15.400 --> 00:24:19.759
this man. Our auto insurance.
I literally just got it from Compass while

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00:24:19.759 --> 00:24:23.960
we've been on this trip. First
of all, the only ticket we had

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00:24:25.000 --> 00:24:30.079
on there at all was Adelines,
and she had like a speeding ticket or

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00:24:30.119 --> 00:24:34.240
something. It was a very small
fraction and it dropped off, so we

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00:24:34.319 --> 00:24:38.680
have nothing on there. My record's
perfect, Suzanne is perfect, and ADDIE's

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00:24:38.839 --> 00:24:44.000
is now perfect. As of a
couple months ago, our insurance went up

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00:24:44.039 --> 00:24:48.079
two thousand dollars for the year for
auto, but our driving records are perfect.

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Perfect. Wow. Wow, all
right. So now we are getting

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00:24:56.839 --> 00:25:02.599
a discussion that because of this text
saying Tom, I disagree with you on

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00:25:02.680 --> 00:25:07.400
the use of checks mark. They
say that getting the account number, and

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00:25:07.440 --> 00:25:11.440
by the way, they could disguise
it in some kind of a code on

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00:25:11.480 --> 00:25:15.559
the bottom, but they don't.
Getting the account number and getting the routing

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00:25:15.640 --> 00:25:18.759
number will not allow people into my
account. They said they did. Okay,

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00:25:19.680 --> 00:25:23.519
let me. I want to clarify
a couple things. Go ahead,

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00:25:23.519 --> 00:25:27.759
and I'm being very serious about this. So when we say that just having

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00:25:27.880 --> 00:25:33.920
those two things we can take money
from anybody, that's true. And I'll

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00:25:33.960 --> 00:25:38.519
tell you why. Both Tom and
myself have multiple businesses that we can accept

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00:25:38.599 --> 00:25:44.799
acch payments. So we have gone
through background checks, we have opened accounts,

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00:25:45.119 --> 00:25:48.039
and we have money and reserves in
case if we did try to screw

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00:25:48.119 --> 00:25:52.279
somebody, they can yank it right
back out. So when we say Joe

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00:25:52.319 --> 00:25:57.799
blow like some homeless guy is not
going to qualify for an ACCH account.

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00:25:57.799 --> 00:26:03.839
But in general, if you can
qualify for that, and most people can

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00:26:03.079 --> 00:26:08.839
qualify for what's called a merchant account, you can have simply the routing number

316
00:26:10.079 --> 00:26:14.559
and the checking account number, and
you can you can ding people all day

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00:26:14.599 --> 00:26:17.960
long until they see it all day
market. You like a lot of these,

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00:26:18.839 --> 00:26:22.160
A lot of these guys on the
sleeves Brigade, they they had,

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00:26:22.440 --> 00:26:26.440
they had ach they made as they
had merchant accounts. If you have a

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00:26:26.519 --> 00:26:30.319
merchant account, you can steal credit
card numbers, you can steal anything.

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00:26:30.519 --> 00:26:33.799
And it's not hard to get a
merchant account. I just I don't want

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00:26:33.799 --> 00:26:37.599
people to think if some homeless guy
has their check he knows how to do

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00:26:37.640 --> 00:26:41.920
it. You have to have a
merchant account. No, but it's easy.

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00:26:41.000 --> 00:26:45.839
But let me tell you this one
step further. If you gave a

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00:26:45.960 --> 00:26:51.720
check at a restaurant and somebody a
wait or a waitress, await person,

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00:26:51.720 --> 00:26:56.920
a dishwasher, whoever took a picture
of the routing number, and you know,

327
00:26:56.960 --> 00:27:02.279
took a picture with their phone,
they would use that information to pass

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00:27:02.319 --> 00:27:03.640
it on to the black market.
When I say black market, I'm going

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00:27:03.680 --> 00:27:07.559
to talk about like, no,
absolutely, they could to someone that has

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00:27:07.599 --> 00:27:11.079
a black market. It is a
black market checking this round or you know

331
00:27:11.119 --> 00:27:15.000
what I'm saying. Yeah, and
I say black market meaning you know people

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00:27:15.039 --> 00:27:18.799
that will trade in that and just
like they trade in cell phones, they

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00:27:18.839 --> 00:27:23.160
will they will use that information and
in credit card numbers. Money. No,

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00:27:23.160 --> 00:27:26.839
no, no, you actually said
it perfectly. You can go buy

335
00:27:26.680 --> 00:27:30.680
valid credit cards credit cards right now
because I have an a merchant account,

336
00:27:30.759 --> 00:27:34.559
or numerous merchant accounts I could run
through and ding. I could ding a

337
00:27:34.680 --> 00:27:38.400
thousand of them for five hundred dollars
each. There's no doubt I could do

338
00:27:38.480 --> 00:27:44.319
that right now and buy those valid
credit cards on the dark web. It

339
00:27:44.440 --> 00:27:49.240
is a black market form, that's
it. It is. Okay. Now,

340
00:27:49.680 --> 00:27:52.960
I just got an email. I'm
on both mailing lists, by the

341
00:27:52.960 --> 00:27:59.519
way, and I got an email
here called dishonest Mondays and this is this

342
00:27:59.559 --> 00:28:04.640
is true. Campaigns out on Monday
all of the things that we're dishonest about

343
00:28:04.640 --> 00:28:10.079
the weekend anyway, So they're they're
highlighting Harris here. I just think it's

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00:28:10.079 --> 00:28:14.799
funny. And then I got one
from the from the Harris camp from them

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00:28:15.079 --> 00:28:18.920
Biden Harris Camp saying that Joe but
excuse me that. And now that Joe

346
00:28:18.960 --> 00:28:23.119
Biden is concentrating on his presidency and
Harris has taken over the campaign, it's

347
00:28:23.119 --> 00:28:27.359
more important than ever to stop Donald
Trump because you know, of course he's

348
00:28:27.400 --> 00:28:33.319
the greatest threat in history to democracy
and the country will never be the same.

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00:28:33.680 --> 00:28:38.880
And again, I just I love
getting both emails because you can read

350
00:28:38.960 --> 00:28:44.920
everything you want anyway. Three three
seven three eight two five five. Jeremy

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00:28:45.000 --> 00:28:49.799
is with Compass Insurance Group and we're
going to talk about Renter's insurance and how

352
00:28:49.839 --> 00:28:53.799
it works, because we also had
another case that came in where someone had

353
00:28:53.839 --> 00:28:57.880
stuff stolen out of their garage at
a rental. Uh So I'll talk to

354
00:28:57.960 --> 00:29:00.839
him about that as well. All
of that coming up on the Troubleshooter Show

355
00:29:00.839 --> 00:29:06.359
three oh three seven one three talk
seven one three eight two five five.

356
00:29:06.920 --> 00:29:11.720
And by the way, don't forget
if you have a problem, question or

357
00:29:11.720 --> 00:29:15.559
complaint, you can always call three
zero three Martino twenty four to seven to

358
00:29:15.599 --> 00:29:18.480
get in the queue. We'll call
you back. That's three oh three Martino.

359
00:29:26.880 --> 00:29:30.960
Go with a sure thing Denver's Best
roofer Excel roofing dot com. You

360
00:29:32.000 --> 00:29:38.000
don't pay a cent until you're content. Time for an insurance check up free,

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00:29:38.119 --> 00:29:42.599
no obligation. In comparison, call
Compass Insurance paying too much your coverage

362
00:29:42.640 --> 00:29:47.480
at dozens of insurance companies find out
now three oh three seven seven to one

363
00:29:47.599 --> 00:29:51.240
Help. You'll think you're his only
customer when you choose Frank durand the real

364
00:29:51.359 --> 00:29:55.680
estate man dot com to list your
home with Remax Alliance. Three oh three

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00:29:55.759 --> 00:30:07.400
nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three oh

366
00:30:07.480 --> 00:30:11.960
three seven to one three talk seven
one three A two five five. Hey,

367
00:30:12.039 --> 00:30:15.359
Cheryl, I just noticed you on
the line there. Hang on for

368
00:30:15.400 --> 00:30:18.000
a sec please, I got to
take Jeremy. Jeremy, I got a

369
00:30:18.039 --> 00:30:22.119
quick question for you on renter's insurance. So this woman, Jazzmine, she's

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00:30:22.119 --> 00:30:26.079
not on now, but she's listening. I hope she had an apartment or

371
00:30:26.119 --> 00:30:30.759
a kitchen fire in her apartment,
and it was four months ago. She

372
00:30:30.880 --> 00:30:37.839
said she contacted her renter's insurance and
they're waiting for a statement from the HOA

373
00:30:38.759 --> 00:30:42.720
on what needs to be done.
Well, that doesn't sound right to me.

374
00:30:44.279 --> 00:30:48.039
Why can't they send an adjuster?
Yeah, that doesn't sound right to

375
00:30:48.079 --> 00:30:52.519
me either, I mean I thought
so. Yeah, they're responsible for what

376
00:30:52.559 --> 00:30:56.799
the damage is. The HOA should
have additional stuff and that could be taken

377
00:30:56.880 --> 00:31:03.000
care of potentially with US supplement,
but it doesn't. I can't think of

378
00:31:03.039 --> 00:31:07.799
a reason you would delay the initial
payout and the obvious stuff that's right,

379
00:31:07.200 --> 00:31:14.039
and I think her renters insurance is
delaying her. Yeah, that doesn't sound

380
00:31:14.119 --> 00:31:18.599
right. I agree with you.
The adjuster to come out clearly see what's

381
00:31:18.640 --> 00:31:22.160
damaged, and it's not predicated off
the HOA. What if there wasn't an

382
00:31:22.319 --> 00:31:26.640
HOA. I mean, they're still
responsible to fix the damage that the fire

383
00:31:26.759 --> 00:31:33.720
caused, regardless of what an HOA
says, right, and now if in

384
00:31:33.839 --> 00:31:38.440
fact you would think that they want
their own adjuster to make that determination.

385
00:31:40.319 --> 00:31:42.799
That's my first thought too, is
it's not like, I mean, the

386
00:31:42.960 --> 00:31:48.200
HOA can't throw on stuff that wasn't
right damaged, right, So you don't

387
00:31:48.279 --> 00:31:52.880
typically hear of, you know,
a big participation with the HA if she

388
00:31:53.079 --> 00:31:57.079
owned the condo or whatever, you
know, there could be some stuff with

389
00:31:57.160 --> 00:32:00.880
that, but from on a renter's
policy, I don't see how there's much

390
00:32:01.160 --> 00:32:06.480
relevance with their involvement. Thank you, Jeremy, if you could hold on,

391
00:32:06.559 --> 00:32:08.119
Jeremy, I want to take Cheryl
real quick and come back to you,

392
00:32:08.440 --> 00:32:13.680
Cheryl, And that's Compass Insurance Group, by the way, home of

393
00:32:13.720 --> 00:32:16.160
the insurance checkup at three h three
nine ninety six, nine thousand, Cheryl,

394
00:32:16.599 --> 00:32:20.680
what's going on? Were you scammed
with a check like we were talking

395
00:32:20.720 --> 00:32:24.799
about where someone used your numbers or
how Absolutely so. We've got a business

396
00:32:24.799 --> 00:32:31.440
in downtown Colorado Springs and we buy
pre owned luxury watches and we had written

397
00:32:31.480 --> 00:32:37.599
out a check a few years ago, and somebody had used the routing number

398
00:32:37.799 --> 00:32:43.119
and the account number, and they
went to Walmart, they paid their T

399
00:32:43.319 --> 00:32:46.640
mobile bill, you know, in
a couple other things. So I mean

400
00:32:46.680 --> 00:32:50.400
it is real, that's right.
By the way, you can do that,

401
00:32:50.599 --> 00:32:52.920
see Mark, that's not a merchant
account. That's just where you can

402
00:32:52.920 --> 00:32:59.000
make ach payments to someone. You
can put in someone else's information and get

403
00:32:59.039 --> 00:33:01.559
it. That's that's right, that's
really yeah. You can go to Walmart

404
00:33:01.559 --> 00:33:06.160
and buy whatever you want with that
online. Just put those numbers in.

405
00:33:07.079 --> 00:33:10.599
You're right, because they they where
they allow credit card or ACCH payments.

406
00:33:10.880 --> 00:33:14.920
You can put that. You're saying, I can go to Walmart dot com.

407
00:33:14.960 --> 00:33:19.039
I'm right now and put in an
ach payment for anything. I don't

408
00:33:19.039 --> 00:33:22.839
know about that, Cheryl. I
know you can go to the mark.

409
00:33:22.960 --> 00:33:27.000
I know there are some websites I
swear to you that take ACCH payments.

410
00:33:27.039 --> 00:33:30.960
They really do. They take direct
They call it either ACH or they call

411
00:33:30.039 --> 00:33:34.480
it electronic check. Yeah, but
then they're then that's possible. But then

412
00:33:34.519 --> 00:33:37.359
they're just back ending it through a
real system somewhere. No, of course

413
00:33:37.359 --> 00:33:40.240
they are. Yeah, yeah,
yeah they are. But the consumer has

414
00:33:40.279 --> 00:33:45.079
no connection at all to them other
than being a customer, and they're using

415
00:33:45.359 --> 00:33:47.279
yeah, and they're tapping your account
to pay for it. Cheryl, that's

416
00:33:47.440 --> 00:33:52.720
really telling thank you very much.
That and that's why you should I'm telling

417
00:33:52.720 --> 00:33:57.039
you. Checks shouldn't even be used
anymore. Now, why don't they come

418
00:33:57.119 --> 00:33:59.680
up with a way on a check. You would think they'd have a magnetic

419
00:33:59.680 --> 00:34:05.119
strip instead of the print out.
For God's sakes, there are machines sophisticated

420
00:34:05.240 --> 00:34:07.119
enough to read those, and of
course then the argument can be made the

421
00:34:07.159 --> 00:34:12.239
scammers will have those machines to read
them. Thank you, Cheryl. You

422
00:34:12.320 --> 00:34:15.480
know, one of the best weapons. I've said this before is vigilance,

423
00:34:15.440 --> 00:34:21.760
because you look at abnormalities in your
bills and stuff and you then say I

424
00:34:21.800 --> 00:34:25.079
didn't do this. Three o three
seven one three eight two five five.

425
00:34:25.119 --> 00:34:29.239
Now, Jeremy, I wanted to
ask a question, but we're out of

426
00:34:29.239 --> 00:34:30.679
time, So if we could call
you back, or you can hang on

427
00:34:30.840 --> 00:34:37.320
about contents uh for people with renters
insurance and how that works, especially if

428
00:34:37.320 --> 00:34:45.079
those contents might be in a garage
which is not actually in the condo uh

429
00:34:45.440 --> 00:34:47.360
or excuse me, or in the
apartment. So we'll talk about that coming

430
00:34:47.440 --> 00:34:54.239
up. Three oh three seven one
three eight two five five. Go with

431
00:34:54.320 --> 00:34:59.519
a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a

432
00:34:59.599 --> 00:35:06.199
cent until you're content. Leave time
for an insurance check up free, no

433
00:35:06.320 --> 00:35:10.800
obligation comparison call Compass Insurance. Pay
too much your coverage at dozens of insurance

434
00:35:10.800 --> 00:35:15.519
companies find out now three oh three
seven seven to one help. You'll think

435
00:35:15.559 --> 00:35:19.599
you're his only customer when you choose
Frank durand the real estate Man dot com

436
00:35:19.599 --> 00:35:23.280
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

437
00:35:23.320 --> 00:35:39.000
two ripped you need so you don't
have come running as fast as we can.

438
00:35:40.280 --> 00:35:46.679
Shooter's gonna help. Come man,
this is the Troubleshooter Show. Now

439
00:35:47.199 --> 00:35:52.719
Tom Martino, Hey, Tom Martino
here, Welcome to the show. I

440
00:35:52.840 --> 00:35:58.599
finally got online so I could talk
to my morons and my flunkies and anyveryone

441
00:35:58.719 --> 00:36:01.920
else who's street or downloading in the
future. Welcome, Welcome, Welcome.

442
00:36:02.159 --> 00:36:07.159
I'm Tom. We got we got
pro bid energy solar in the house.

443
00:36:07.159 --> 00:36:08.960
We got a lot of things to
talk about. I want to give out

444
00:36:09.000 --> 00:36:14.519
my text number as well. Now
you know, iHeart has the five seven,

445
00:36:14.639 --> 00:36:17.840
seven thirty nine, so you can
always text me there always, uh,

446
00:36:17.920 --> 00:36:22.119
you know, put Tom there and
it comes to us and then we

447
00:36:22.280 --> 00:36:28.760
I also have my Google number I
give out and here it is. It's

448
00:36:29.320 --> 00:36:31.239
it's a private Google number, and
it is mine. I get every single

449
00:36:31.280 --> 00:36:38.679
text sent there seven four seven nine
nine nine fifty two eighty seven four seven

450
00:36:38.760 --> 00:36:44.760
nine nine nine fifty two eighty You
can text me there too, some of

451
00:36:44.800 --> 00:36:50.280
the texts I got. Let me
see tom Our car insurance went up for

452
00:36:50.480 --> 00:36:54.679
two of us one thousand dollars.
Now I don't know what he's paying before,

453
00:36:54.719 --> 00:36:59.960
but it went up one thousand dollars. We haven't had any kind of

454
00:37:00.159 --> 00:37:06.119
claim in fifteen years, neither one
of us and I don't remember the last

455
00:37:06.159 --> 00:37:12.679
time I said uninsured drivers and said
that's a big part of it. I

456
00:37:12.679 --> 00:37:15.599
don't know what there's what he's saying. I guess, let's see, neither

457
00:37:15.679 --> 00:37:22.039
one of us is having a I
don't remember. Oh, okay, never

458
00:37:22.079 --> 00:37:24.159
mind. He said that was part
of autocorreg So he says, neither one

459
00:37:24.199 --> 00:37:28.960
of us has had a ticket in
twenty years or more or an accident.

460
00:37:30.320 --> 00:37:35.360
He so, then he says,
So, I asked him how come it

461
00:37:35.440 --> 00:37:38.159
went up so much? By the
way, he's from Compass, and he

462
00:37:38.199 --> 00:37:45.679
said, well, the hail claims
and uninsured drivers. So, Jeremy,

463
00:37:46.320 --> 00:37:51.519
why is car insurance going up so
much? Jeremy is with Compass Insurance Group.

464
00:37:51.559 --> 00:37:54.760
Why. This is not why I
had you on, but this came

465
00:37:54.800 --> 00:37:58.159
in this text, so I wanted
to ask you. I mean, what

466
00:37:58.320 --> 00:38:00.639
are the I mean, is hail
the biggest reason? Because all over the

467
00:38:00.679 --> 00:38:07.840
country car insurance is going up all
over the country. It's a combination.

468
00:38:07.280 --> 00:38:13.599
I mean, the hailstorm certainly caused
more frequency, but the cost of repairs

469
00:38:13.719 --> 00:38:19.199
right now are really high, and
especially these new vehicles with all the technology

470
00:38:19.280 --> 00:38:23.639
and sensors and everything that's coming on
them, the cost to repair. Those

471
00:38:23.719 --> 00:38:29.280
are just astronomical, and Jeremy,
look at the cost. Jeremy, I'm

472
00:38:29.320 --> 00:38:31.719
sorry to interrupt you. It's mark. Mine went up. In fact,

473
00:38:31.960 --> 00:38:37.559
mine went up two thousand dollars.
You guys shopped it everywhere. We didn't

474
00:38:37.599 --> 00:38:44.400
have any speeding tickets. The only
thing that changed is one thing actually dropped

475
00:38:44.559 --> 00:38:49.079
off about two or three months ago. Our records are perfect, everything's the

476
00:38:49.159 --> 00:38:52.639
exact same, and ours went up
two grand man, how is that possible?

477
00:38:52.960 --> 00:38:58.880
Golly whoa? Because it's money coming
in versus money coming out. And

478
00:38:59.239 --> 00:39:01.639
I know that's That's what I'm saying, though I'm saying it has nothing to

479
00:39:01.679 --> 00:39:06.119
do with that's all it has to
do with. That's exactly why it went

480
00:39:06.199 --> 00:39:08.920
up. You can be a perfect
driver and your insurance will go up every

481
00:39:09.199 --> 00:39:14.039
single year. You can be a
perfect homeowner, never have a claim and

482
00:39:14.079 --> 00:39:19.039
your insurance can go up every single
year. Of course, yeah, I

483
00:39:19.079 --> 00:39:23.920
know, ye yeah. And I
think the thing to realize is it would

484
00:39:23.920 --> 00:39:27.719
go up a lot more if you
did have those accidents, if you did

485
00:39:27.760 --> 00:39:32.079
have those claims. So people feel
I'm being punished because their rates going up

486
00:39:32.159 --> 00:39:36.920
when I didn't make a claim,
and I get where that sentiment would come

487
00:39:36.920 --> 00:39:39.320
from, but it would go up
more if you did. And so it's

488
00:39:39.400 --> 00:39:44.679
not everyone's rate goes up the same. Regardless of whether you have a claim

489
00:39:44.800 --> 00:39:47.599
or not, or an accident or
a ticket, you still are going to

490
00:39:47.599 --> 00:39:53.199
get surcharged for those if you have
them on top of the general rate increase,

491
00:39:53.320 --> 00:39:55.920
and it's going to be that much
more of an increase for those folks

492
00:39:55.960 --> 00:40:07.559
that have that. Okay, now
let's talk about renter's insurance and contents.

493
00:40:07.320 --> 00:40:12.760
Does renters insurance cover contents? First, let's take it in the apartment.

494
00:40:14.320 --> 00:40:17.519
It does. Yeah, what about
when you have a garage as part of

495
00:40:17.559 --> 00:40:22.360
your rental agreement? But it's not
obviously in the apartment. Now you have

496
00:40:22.400 --> 00:40:28.760
stuff in the garage that would still
be counted as on premise. So that's

497
00:40:28.840 --> 00:40:32.000
the key. As on premise or
off premise. And whether it's a renter's

498
00:40:32.079 --> 00:40:37.880
policy or even a lot of homeowners'
policies, they're going to have a limit

499
00:40:37.280 --> 00:40:40.440
for personal property. Not every company, but most are going to have a

500
00:40:40.480 --> 00:40:44.920
limit of ten percent for the you
know, so let's say you had one

501
00:40:45.000 --> 00:40:49.400
hundred thousand personal property limit, that's
going to be limited to ten percent or

502
00:40:49.440 --> 00:40:53.320
ten thousand in this case for off
premise. So a garage that comes with

503
00:40:53.440 --> 00:40:57.880
the apartment complex would still be on
premise. But let's say you have it

504
00:40:57.920 --> 00:41:01.480
in a storage unit or somewhere else, and every policy is going to vary

505
00:41:01.559 --> 00:41:07.079
a little bit, but expect some
sort of limitation if your property is off

506
00:41:07.159 --> 00:41:10.119
premise. Now there is a new
trend out and I got a text about

507
00:41:10.159 --> 00:41:19.239
this and where the insurance complex requires
you to have If you don't have your

508
00:41:19.320 --> 00:41:22.239
own, you're allowed to get your
own, but if you don't have your

509
00:41:22.320 --> 00:41:27.840
own, you must take their policy. So would they It seems to me

510
00:41:27.920 --> 00:41:30.960
if they offer a policy it would
be bare bones just to protect them,

511
00:41:31.280 --> 00:41:37.800
but I'm not sure it typically is. Their concern is more that you have

512
00:41:37.920 --> 00:41:42.639
liability coverage. They don't care if
you ensure your own personal property or not.

513
00:41:43.320 --> 00:41:46.079
They want to make sure you have
liability coverage so if something happens,

514
00:41:46.679 --> 00:41:50.800
they're the ones who aren't getting sued. They want to make sure you have

515
00:41:50.920 --> 00:41:54.719
a source for someone to go after
you and something that you're actually responsible for.

516
00:41:57.440 --> 00:42:01.840
Okay, So, in any case, this person had a garage broken

517
00:42:01.880 --> 00:42:08.039
into at the complex, but as
we said, it was forced by the

518
00:42:08.119 --> 00:42:13.719
complex. The insurance, so probably
then contents would not be covered. What

519
00:42:13.800 --> 00:42:17.480
do you think, probably, well, you can add it. See that's

520
00:42:17.519 --> 00:42:22.320
the problem if you go into renting
an apartment and you're just looking at the

521
00:42:22.800 --> 00:42:27.239
cost of it. They may say, we have a renters policy for you

522
00:42:27.480 --> 00:42:30.079
eight bucks a month, and that's
going to be what they require, and

523
00:42:30.079 --> 00:42:35.159
that's going to be that liability coverage
they require, and it's probably going to

524
00:42:35.239 --> 00:42:38.400
have very little, if not any
personal property coverage, which is for your

525
00:42:38.440 --> 00:42:43.880
actual stuff. You could probably say, hey, I want to change this,

526
00:42:44.079 --> 00:42:46.360
or they may have some you know, variety of what you can add

527
00:42:46.400 --> 00:42:50.519
to it, but most people aren't
looking at it that way. It's a

528
00:42:50.599 --> 00:42:52.519
means to an end. I have
to have this in order to get the

529
00:42:52.559 --> 00:42:57.119
keys and move in, and this
is the cheapest option, so we'll go

530
00:42:57.199 --> 00:43:00.440
with it. Renters policies don't very
much much and price, so you know,

531
00:43:00.559 --> 00:43:05.079
you really could go from you know, let's say eight nine bucks a

532
00:43:05.119 --> 00:43:09.679
month for just what their minimum liability
is, to about fifteen to twenty a

533
00:43:09.760 --> 00:43:15.239
month for really good liability and also
personal property to cover your stuff. So

534
00:43:15.719 --> 00:43:20.079
there's not much of a price difference
between the two. And so if you're

535
00:43:20.119 --> 00:43:24.719
expecting to have your property insured.
Make sure you have that personal property on

536
00:43:24.800 --> 00:43:30.360
the renters policy. All right,
thank you very much, Jeremy appreciate that.

537
00:43:30.360 --> 00:43:36.079
That's the Insurance Health Center dot Com
with Compass Insurance Group. And if

538
00:43:36.079 --> 00:43:40.000
you want to insurance comparison three h
three nine nine six nine. Frank,

539
00:43:40.280 --> 00:43:44.239
you have a comment on insurance.
Go ahead, Frank, what's your comment?

540
00:43:45.000 --> 00:43:52.320
Yeah, I have a board F
one fifty twenty twenty two. Yeah,

541
00:43:52.360 --> 00:43:57.079
and everything in my truck is being
reported to the cloud. How fast

542
00:43:57.159 --> 00:44:04.440
I'm going, What radio station I'm
listening to a sensors Yeah, everything in

543
00:44:04.519 --> 00:44:07.360
my truck. And that's not for
it. It's all vehicles. Everything in

544
00:44:07.400 --> 00:44:14.320
the vehicle is being reported to the
cloud. And insurance companies now have access.

545
00:44:14.719 --> 00:44:19.119
They know that if I'm going twenty
miles over the speed limit. You

546
00:44:19.159 --> 00:44:22.280
know, so you could say I
never get a ticket, but the insurance

547
00:44:22.320 --> 00:44:24.679
companies know you're speeding. Well,
I thought that. I thought though that

548
00:44:25.400 --> 00:44:30.599
in order to get that information,
they either read the app that you have

549
00:44:31.480 --> 00:44:37.599
or the thing that the little port
data port. You have to put something

550
00:44:37.639 --> 00:44:43.880
in that data port. Are you
saying now it's being done by the manufacturers.

551
00:44:44.119 --> 00:44:46.360
Yes, that's what I was told, Everything in my truck is being

552
00:44:46.400 --> 00:44:52.239
reported to the cloud. And I
think there's only two states that you can

553
00:44:52.280 --> 00:44:53.840
opt out. One was California,
and I forget what the other one I

554
00:44:53.880 --> 00:44:57.559
want to ask. I want to
ask John Fuller that. Bring John up,

555
00:44:57.599 --> 00:45:00.519
because he's here for a commercial and
I want to ask him, Hey,

556
00:45:00.599 --> 00:45:04.400
John, have you heard of that
where Oh, we don't have him

557
00:45:04.440 --> 00:45:08.599
yet. Okay, so I'm here. That's okay, But John's coming up,

558
00:45:08.639 --> 00:45:12.519
so I might ask him that too. I'm here, Tom, Yeah,

559
00:45:12.599 --> 00:45:17.039
John, have you heard that the
vehicles report to the cloud? And

560
00:45:17.320 --> 00:45:22.400
now insurance is tapping that? Yeah? You know. This comes up periodically,

561
00:45:22.480 --> 00:45:27.079
and I think we actually discussed it
on the show a little while back.

562
00:45:27.239 --> 00:45:31.880
And while most vehicles, or at
least new vehicles, have that capability,

563
00:45:32.920 --> 00:45:37.559
they all require you to give consent
before that information is shared. And

564
00:45:37.639 --> 00:45:40.960
so I believe that the listener were
to look into it in a little bit

565
00:45:42.000 --> 00:45:46.920
more detail, he would find that
either he unknowingly gave consent, or perhaps

566
00:45:46.920 --> 00:45:52.360
he has not given consent and that
information is not yet being shared. So

567
00:45:52.480 --> 00:45:55.639
I definitely see that as being the
way of the future, where right now

568
00:45:55.679 --> 00:46:00.760
you do have the ability to opt
out of it. And again, people

569
00:46:00.840 --> 00:46:05.760
with dash cams, you know,
the reason they have a dash cam is

570
00:46:06.039 --> 00:46:12.679
so they can have information so under
the scenario that you know you want them

571
00:46:12.719 --> 00:46:15.440
to know, or is it a
scenario where you don't want them to know,

572
00:46:15.960 --> 00:46:20.599
or is the dash cam for a
different reason. Sure, well,

573
00:46:20.719 --> 00:46:23.679
dash cams are wholly unrelated to the
information that the listener is talking about.

574
00:46:24.039 --> 00:46:29.239
Okay, well, the type of
real time data that helps an insurance company

575
00:46:29.320 --> 00:46:35.559
decide what your risk level is based
on certain data metrics like how abruptly you

576
00:46:35.599 --> 00:46:39.599
stop, how fast you take your
tag mark does yeah, how how fast

577
00:46:39.639 --> 00:46:44.519
you drive down the country roads,
or or anything like that. All those

578
00:46:44.599 --> 00:46:49.000
data points can be used to assess
you know, I mean how many liquor

579
00:46:49.000 --> 00:46:51.519
stores you stop buy on the way
home. I mean, you could just

580
00:46:51.559 --> 00:46:54.760
go down this list and go crazy. But the insurance companies would love that

581
00:46:54.880 --> 00:46:59.840
data because it helps them predict who
the people that are most likely to get

582
00:46:59.880 --> 00:47:02.760
in to accidents and cause planes and
to be able to charge them more or

583
00:47:02.880 --> 00:47:07.519
just not ensure them. A dash
cam, on the other hand, is

584
00:47:07.679 --> 00:47:14.119
used solely to record what is going
on while you're driving for your use alone,

585
00:47:14.480 --> 00:47:17.320
and so in the event that there's
an accident, you have a four

586
00:47:17.480 --> 00:47:22.199
K color video of that event.
And so if somebody hops out of the

587
00:47:22.199 --> 00:47:27.079
other car and says you were at
fault, I didn't do anything wrong.

588
00:47:27.480 --> 00:47:31.920
You now have a video proof of
exactly what happened and you have the ability

589
00:47:31.960 --> 00:47:37.599
to completely rebut any suggestion that you
were at fault, that's a different I

590
00:47:37.639 --> 00:47:43.039
see. So yeah, that's weird. So, John, do you think

591
00:47:43.079 --> 00:47:47.800
there's ever going to be a time
where insurance is going to be such that

592
00:47:49.679 --> 00:47:53.239
maybe they will start pricing based on
how much you're actually in that car?

593
00:47:53.360 --> 00:47:57.480
I mean, because really, if
you think about it, they're trying to

594
00:47:57.519 --> 00:48:00.599
figure that out right now. They're
trying to figure out well, I totally

595
00:48:00.639 --> 00:48:04.840
think that's in the in the on
the horizon, Tom, I mean,

596
00:48:05.159 --> 00:48:08.480
they're they're basing insurance on every other
metric that they can get their hands on

597
00:48:08.559 --> 00:48:13.880
your health data. Every time you
go to your PCT doctor and you sign

598
00:48:13.960 --> 00:48:16.880
the you know, the the authority
that gives them the ability to just you

599
00:48:16.920 --> 00:48:21.719
know, disseminate all of your private
health information. You know, there's a

600
00:48:21.760 --> 00:48:23.880
lot of people that want to get
their hands on that, and insurance companies

601
00:48:23.880 --> 00:48:30.519
are certainly one of them. The
topic of today's insurance company is exactly that.

602
00:48:30.639 --> 00:48:34.840
Why why you should never sign a
release for an insurance company to get

603
00:48:34.880 --> 00:48:37.920
your medical records? You know,
all right, let's do that. Let's

604
00:48:37.000 --> 00:48:40.320
do that during let's ding do that
during your spot. I want to take

605
00:48:40.400 --> 00:48:44.119
Frank's comment and then we'll go to
your spot. Frank, go ahead,

606
00:48:44.159 --> 00:48:49.480
what is your comment? Well,
I just wanted to say I heard this

607
00:48:49.639 --> 00:48:53.440
on the Kim Commando show where she
was saying that a lot of this information

608
00:48:53.639 --> 00:48:58.440
is being sent to the cloud.
And when I bought my truck brand new,

609
00:48:58.840 --> 00:49:00.119
you know, I wasn't I wasn't
even aware of it, and I

610
00:49:00.199 --> 00:49:05.280
wasn't given any option or well,
okay, hold on, let me just

611
00:49:05.840 --> 00:49:07.800
hold on. Let me say kind
of what John was saying. This might

612
00:49:07.840 --> 00:49:13.000
help you out. So like on
Hondays, we have something called blue Link,

613
00:49:13.400 --> 00:49:16.719
and if you subscribe to blue Link, you can remotely start your vehicle,

614
00:49:16.800 --> 00:49:21.679
turn the AC on, locket,
et cetera. But when you subscribe

615
00:49:21.679 --> 00:49:25.039
to it, I could very well
somewhere in there when I say yes,

616
00:49:25.119 --> 00:49:29.679
I want it, acknowledge it,
they'll sell my data. I think that's

617
00:49:29.679 --> 00:49:35.440
what John was trying to say.
Yeah, that that you don't have anything.

618
00:49:37.400 --> 00:49:42.320
And as John said, it might
be it might be uploaded without consent,

619
00:49:42.400 --> 00:49:46.239
but it can't be used without consent. I mean what he was saying

620
00:49:46.360 --> 00:49:51.719
is for them to distribute that information, they get your consent. But we

621
00:49:51.760 --> 00:49:57.239
have been staying with real quick.
My understanding with Tesla is, first of

622
00:49:57.280 --> 00:50:00.679
all, Tesla has got more data
than any other car con company about their

623
00:50:00.800 --> 00:50:06.800
vehicles. They know everything. So
with my information they gather every second I'm

624
00:50:06.840 --> 00:50:10.920
in that vehicle, they will use
it if they're selling me insurance. Tesla

625
00:50:12.000 --> 00:50:16.000
actually has an insurance company or a
subsidiary or something, but they will not

626
00:50:16.159 --> 00:50:21.639
sell it to other insurance companies.
So there's an idea of how Tesla works.

627
00:50:21.880 --> 00:50:30.039
All right, We have more coming
up. Go with a sure thing

628
00:50:30.159 --> 00:50:34.559
Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're

629
00:50:34.599 --> 00:50:43.559
content. Time for an insurance checkup
free no obligation comparison call Compass Insurance paying

630
00:50:43.559 --> 00:50:46.599
too much your coverage at dozens of
insurance companies find out now three O three

631
00:50:46.800 --> 00:50:51.199
seven to seven to one help.
You'll think you're his only customer when you

632
00:50:51.280 --> 00:50:54.480
choose Frank durand the real estate man
dot com to list your home with Remax

633
00:50:54.480 --> 00:51:05.679
Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here

634
00:51:05.760 --> 00:51:09.679
three oh three seven one three talk
seven one three eight two five five.

635
00:51:10.239 --> 00:51:15.000
Welcome to the show. We got
pro Bit Energy with us, and right

636
00:51:15.039 --> 00:51:22.440
now, if you have hell damage, this is a big giant problem with

637
00:51:22.679 --> 00:51:29.960
detaching and reattaching to get your roof
fixed and so why is it important because

638
00:51:30.039 --> 00:51:34.960
it could void your solar warranty?
Is that right? Mark? Okay,

639
00:51:35.000 --> 00:51:37.800
go ahead, sir, that's correct. You really need to go with the

640
00:51:37.840 --> 00:51:43.159
certified installer like us Probit Energy.
Well, detach, work with the roofer.

641
00:51:43.280 --> 00:51:46.079
Once they're done and inspection is approved, we come back and reattach your

642
00:51:46.119 --> 00:51:52.440
system. We work with any system
Sonova certified and some Power certified. So

643
00:51:52.480 --> 00:51:55.239
if you have one of those systems, you really should give us a call

644
00:51:55.320 --> 00:52:01.880
to get your detached resect done.
Detach and reset. Now on the detach

645
00:52:02.079 --> 00:52:08.039
and reset. What else is involved? Anything at all with calibration or anything

646
00:52:08.119 --> 00:52:12.119
or is it just taking off and
putting back. It's basically taken off and

647
00:52:12.159 --> 00:52:15.159
putting back on and making sure the
system is running exactly like it was before

648
00:52:15.199 --> 00:52:21.719
we got there. Do solar systems
need regular checkups or not. I was

649
00:52:21.760 --> 00:52:25.760
told they're pretty resilient or not resilient, but dependable and don't take a lot

650
00:52:25.760 --> 00:52:30.840
of calibration or a lot of repairs. It's true in today's day and asia's

651
00:52:30.880 --> 00:52:35.360
apps that can tell you. But
you know, why on't you get your

652
00:52:35.440 --> 00:52:39.880
thirty thousand dollars car checked out every
five years? It doesn't hurt to have

653
00:52:39.920 --> 00:52:44.440
it looked at if you're not paying
attention to it, or it's out of

654
00:52:44.440 --> 00:52:46.599
sight, out of mind, look
at your app, find out and if

655
00:52:46.599 --> 00:52:51.000
there's an issue, we could probably
help you. Okay, And again,

656
00:52:51.079 --> 00:52:54.639
these are one of the few companies
that do service along with whether they sold

657
00:52:54.639 --> 00:52:58.599
it or not, they can help
you with your system. There are a

658
00:52:58.639 --> 00:53:04.079
lot I coined the Raised Solar Orphans
people who have systems and don't know where

659
00:53:04.119 --> 00:53:07.119
to go now. And that's a
terrible thing. I mean, I cannot

660
00:53:07.440 --> 00:53:13.079
tell you the number of companies we
have seen come and go over the years.

661
00:53:13.239 --> 00:53:17.239
Yeah, it's been terrible, been
terrible, totally terrible. I don't

662
00:53:17.239 --> 00:53:22.920
even know what you would do if
you leased your system and the company goes

663
00:53:22.920 --> 00:53:24.880
out of business. Have you seen
some of these where people are leasing.

664
00:53:25.079 --> 00:53:28.719
Oh yeah, oh yes, So
what happens? I mean, do they

665
00:53:28.760 --> 00:53:32.519
stop to make their payments? Is
it an independent finance company or what You're

666
00:53:32.519 --> 00:53:37.320
still paying it? You know?
Some power is one recently that his suspended

667
00:53:37.639 --> 00:53:42.199
PPAs and leases. They're not out
of business, but their stockfell seventy three

668
00:53:42.280 --> 00:53:45.760
percent the other day, so I'm
pretty close to being in trouble. We

669
00:53:45.840 --> 00:53:51.800
can service those systems, but your
service agreement is with them, and I

670
00:53:51.800 --> 00:53:54.719
don't really know what else to advise
people, but will help you, will

671
00:53:54.760 --> 00:54:00.559
make it affordable, and you're dealing
with a local company. Now, I

672
00:54:00.599 --> 00:54:07.119
have a question here State Farm.
One guy texted me on my Google number

673
00:54:07.159 --> 00:54:13.239
and he said, why do you
say State Farm is not a good insurance

674
00:54:13.239 --> 00:54:16.039
company. That's a fair question because
I give the bad five the top five.

675
00:54:16.320 --> 00:54:20.519
I'll come back and answer that and
more, because there is a reason

676
00:54:20.639 --> 00:54:23.760
I don't just say things out my
butt like Mark. I'm just kidding.

677
00:54:24.440 --> 00:54:27.719
I don't mean you, Mark.
I met Mark, Mark. Mark.

678
00:54:27.880 --> 00:54:30.559
He's so used to me saying stuff
like that. One clear choice garage doors

679
00:54:30.559 --> 00:54:35.800
for your garage door needs twenty four
to seven service for emergencies. People say,

680
00:54:35.800 --> 00:54:37.920
how do you have an emergency?
Well, you know to come home

681
00:54:37.920 --> 00:54:39.639
at night. Right, you can't
get your door closed. It's midnight.

682
00:54:39.960 --> 00:54:43.920
You don't want to go to bed
with your door open because everything will be

683
00:54:43.960 --> 00:54:49.159
stolen, unfortunately. One clear Choice
doors dot com. What a great company.

684
00:54:49.639 --> 00:54:54.199
They have all of their prices on
their website. One clear Choice Doors

685
00:54:54.360 --> 00:55:06.679
dot com. Go with a sure
thing Denver's best roofer Excel Roofing dot com.

686
00:55:06.719 --> 00:55:13.039
You don't pay a cent until you're
content. Wait time for an insurance

687
00:55:13.119 --> 00:55:16.400
check up free, no obligation.
In comparison, call Compass Insurance paying too

688
00:55:16.480 --> 00:55:21.760
much your coverage at dozens of insurance
companies find out now three oh three seven

689
00:55:21.840 --> 00:55:24.480
seven to one help. You'll think
you're his only customer when you choose Frank

690
00:55:24.559 --> 00:55:30.159
durand the real estate Man dot com
to list your home with Remax Alliance three

691
00:55:30.159 --> 00:55:38.280
oh three nine two zero sixteen twenty
two. Hi Tom Martino here three O

692
00:55:38.400 --> 00:55:43.719
three seven one three talk three oh
three seven one three eight two five five,

693
00:55:44.440 --> 00:55:49.440
Hey Mark, I got a text
here. I've noticed lately retailers charging

694
00:55:49.719 --> 00:55:54.880
fees when I use my cards,
my credit cards, and uh so we've

695
00:55:55.360 --> 00:56:01.679
gone to cash instead. Other people
say that's not allowed. Now, what

696
00:56:01.800 --> 00:56:06.400
is the rule on that, Mark. The reason I'm asking Mark is we

697
00:56:06.519 --> 00:56:09.119
put together a company for credit card
Say that again, I missed your question,

698
00:56:09.239 --> 00:56:12.880
please, Yeah, I was just
gonna say on a asking Mark,

699
00:56:12.920 --> 00:56:17.199
because we put together a company for
credit card processing with no long term contracts.

700
00:56:17.280 --> 00:56:22.280
No, no, we don't charge
for equipment. Blah blah blah.

701
00:56:22.280 --> 00:56:24.280
We have the best rates in the
biz, and we put it together to

702
00:56:24.400 --> 00:56:30.079
help we call it, we call
it what do we call it? Here?

703
00:56:30.760 --> 00:56:34.400
The merchants first, churchens first,
that's right, merchants first, because

704
00:56:34.400 --> 00:56:37.840
we also have a consumer's first organization. But merchants first. Now, Mark,

705
00:56:37.039 --> 00:56:43.320
So somebody said they're being charged a
convenience fe or something for the credit

706
00:56:43.400 --> 00:56:47.239
card. What's allowed on that?
You can charge pretty much convenience fees.

707
00:56:47.280 --> 00:56:52.800
I don't care what the law reads. The reality is you can they You

708
00:56:52.920 --> 00:56:58.320
might state it as a cash discount
instead of a credit card fee, but

709
00:56:58.400 --> 00:57:02.119
it doesn't matter. People can charge
Well, why is there why are there

710
00:57:02.119 --> 00:57:06.679
so many? We do it?
We actually, we have companies we structure

711
00:57:06.719 --> 00:57:10.760
that for once again it becomes a
cash discount, not a credit card fee.

712
00:57:10.840 --> 00:57:15.719
But it's ultimately the exact same thing. Okay, so how you word

713
00:57:15.760 --> 00:57:21.199
it? In other words, your
agreement with the credit card company is that

714
00:57:21.239 --> 00:57:25.719
you won't surcharge, So you're not
in Colorado. Other places you can.

715
00:57:27.760 --> 00:57:30.639
In fact, I think in Colorado, I'm not up to the exact laws

716
00:57:30.719 --> 00:57:34.920
right now, but they might have
even changed. If you drive down to

717
00:57:35.000 --> 00:57:39.480
Colorado Springs, every single gas station
that has digital signs will have a cash

718
00:57:39.519 --> 00:57:45.599
price and a credit card price per
gallon. Okay, so that's the answer

719
00:57:45.639 --> 00:57:51.360
there, Thank you. Now on
you know what I used to do?

720
00:57:51.400 --> 00:57:53.440
I want to say something. I
had a small business years ago, one

721
00:57:53.480 --> 00:58:01.519
of my first businesses, and I
had a Wells fargount through my own company.

722
00:58:01.519 --> 00:58:04.480
And what I mean by this is, you know, this time,

723
00:58:04.519 --> 00:58:08.719
I sold computers, and you know
after we would do all our business leading

724
00:58:08.800 --> 00:58:13.960
up to Christmas. In the beginning, because people, this is early nineties,

725
00:58:14.000 --> 00:58:19.679
people just weren't buying PCs yet.
So I had this consumer credit card

726
00:58:19.760 --> 00:58:22.559
attached to my own company. So
if I ever had cash flow issues,

727
00:58:22.840 --> 00:58:29.400
I would swipe my own credit card, pay my own my own credit How

728
00:58:29.400 --> 00:58:31.920
do I put this? I'd swipe
my own credit card into my own account

729
00:58:32.239 --> 00:58:36.960
and then I would choose the ninety
days same as cash option. So I

730
00:58:37.000 --> 00:58:42.079
would be operating on their cash flow
for free for ninety days on both parts.

731
00:58:42.119 --> 00:58:45.239
Does that make sense? Yeah,
but I didn't know that. That's

732
00:58:45.320 --> 00:58:50.000
weird. Yes, so, And
there was nothing against doing that, well

733
00:58:50.119 --> 00:58:52.320
I know. I mean I never
got stopped for it. I bet if

734
00:58:52.360 --> 00:58:57.119
I read the rules, I wasn't
supposed to do it. But it's just

735
00:58:57.199 --> 00:59:00.199
a way that small businesses. I
put that out. There's hurting on cash

736
00:59:00.280 --> 00:59:04.920
flow. It is a way to
get money in there. So explain how

737
00:59:04.960 --> 00:59:07.559
you do it again, slowly for
them, because it was a little complicated,

738
00:59:07.559 --> 00:59:09.880
but I got you go ahead,
Okay, I'm going to put it

739
00:59:09.880 --> 00:59:13.960
in a different way with a different
business so it makes more sense. I

740
00:59:13.960 --> 00:59:16.400
owned a bunch of Good Years.
You can buy a good Year credit card

741
00:59:16.519 --> 00:59:20.360
or not buy one. You can
apply and get a Good Year credit card

742
00:59:20.679 --> 00:59:23.320
to use it any Good Year across
the country. You follow me, right,

743
00:59:23.639 --> 00:59:27.480
right? I mean you can get
one right now. I still have

744
00:59:27.559 --> 00:59:30.559
one. Yeah, so gotcha.
There's a ninety days same as cash option

745
00:59:30.719 --> 00:59:35.639
to use on a ninety on a
Good Year credit card, at least back

746
00:59:35.639 --> 00:59:38.119
in the day, and I probably
it's still that way. If the purchase

747
00:59:38.239 --> 00:59:42.920
is over five hundred, you might
get ninety days same as cash. So

748
00:59:43.039 --> 00:59:45.280
let's say you get ninety days same
as cash. I have a good Year

749
00:59:45.360 --> 00:59:51.039
credit card in my name. I
also own Goodyear stores. I could swipe

750
00:59:51.039 --> 00:59:55.280
it right on my own terminal for
five thousand dollars, choose the ninety days

751
00:59:55.320 --> 01:00:00.800
same as cash option. That five
thousand dollars would be in my bank account

752
01:00:00.800 --> 01:00:04.119
the next day. Oh my,
and I wouldn't have to I wouldn't have

753
01:00:04.239 --> 01:00:09.000
to repay it for ninety days with
zero percent interest. Now was that?

754
01:00:09.920 --> 01:00:15.000
Did it have to be tied to
a purchase when you swipe the five grand?

755
01:00:15.159 --> 01:00:16.480
Yeah, of course it did.
But I would just phony up.

756
01:00:16.559 --> 01:00:20.320
I would phoney up a ticket.
It didn't matter. Well, no,

757
01:00:20.679 --> 01:00:23.599
it didn't have to be tied to
a purchase. Inside my point of sale

758
01:00:23.679 --> 01:00:28.559
system. I would just swipe the
credit card like I swipe a visa and

759
01:00:28.599 --> 01:00:30.559
put in a certain amount of money, five hundred dollars whatever it is.

760
01:00:31.239 --> 01:00:36.840
Okay, You wouldn't put it through
your point of sale system. It would

761
01:00:36.880 --> 01:00:40.559
be invisible on your books. It
would just be cash flow coming in until

762
01:00:40.559 --> 01:00:45.960
you're reconciled and did a journal entry. What I thought? I hear?

763
01:00:47.760 --> 01:00:53.079
I hear it? Now? Think
about it too. No, there's a

764
01:00:53.119 --> 01:00:57.400
lot of people out there that could
do that. In fact, I'll give

765
01:00:58.199 --> 01:01:00.880
I don't mind saying this to people. If you have a small business right

766
01:01:00.920 --> 01:01:06.239
now, go ahead, I'm listening. Let's say you have a restaurant and

767
01:01:06.280 --> 01:01:09.159
I don't care. You have a
restaurant and you're in a cash flow crunch

768
01:01:09.199 --> 01:01:13.880
and you got payroll coming up.
You can grab your credit card or your

769
01:01:13.880 --> 01:01:17.400
wife's credit card, wipe it right
through your terminal, and you've got operating

770
01:01:17.440 --> 01:01:21.480
capital. You know, it's not
a good position to be in, but

771
01:01:21.599 --> 01:01:24.679
you can do it. Wow.
Okay, I said, I was going

772
01:01:24.719 --> 01:01:29.199
to talk about State Farm because this
one guy said, you know, he

773
01:01:29.280 --> 01:01:32.119
texted me wanted to know why do
I say State Farm's not a good company.

774
01:01:32.679 --> 01:01:36.679
Let me clarify this, Okay,
when I give you the top five,

775
01:01:37.599 --> 01:01:42.199
because I say Farmers, State Farm, All State, Fred Loyer,

776
01:01:42.320 --> 01:01:47.280
and American Family. Now, the
number one reason I don't like these companies.

777
01:01:47.639 --> 01:01:51.760
First of all, none of them
are illegal, I don't think.

778
01:01:51.840 --> 01:01:54.760
I mean, you know, they
give you insurance, they pay claims most

779
01:01:54.800 --> 01:01:58.719
of the time. They give you
a little harder time than most. But

780
01:02:00.000 --> 01:02:04.480
one of the reasons that the main
reason I don't like them is because there

781
01:02:04.519 --> 01:02:08.880
are no options. Now, there
are times they will have better rates that

782
01:02:09.079 --> 01:02:12.800
you can get elsewhere, so you
go with them. Nothing wrong with that,

783
01:02:13.840 --> 01:02:20.079
but that agent is captive. That
agent cannot sell anything else. So

784
01:02:20.320 --> 01:02:28.199
if you want to save money,
they can't find something to save you money.

785
01:02:28.400 --> 01:02:31.280
I went one time, I was
looking at someone's insurance and I said,

786
01:02:31.320 --> 01:02:37.880
and I notice that you have this
insurance for her, and I want

787
01:02:37.880 --> 01:02:42.280
to know, can she get a
better product at a cheaper rate? Oh

788
01:02:42.320 --> 01:02:44.159
no, this is the best in
the market. I said, is it

789
01:02:44.199 --> 01:02:46.519
the best in the market or the
best you have? And it turns out

790
01:02:46.519 --> 01:02:50.519
it was the best they had.
It was State Farm, but you could

791
01:02:50.559 --> 01:02:57.000
get elsewhere cheaper now sometimes State Farm
all State Farmers. They might beat your

792
01:02:57.079 --> 01:03:00.719
current rate. They may okay,
So in that regard, I don't like

793
01:03:00.800 --> 01:03:05.639
the idea that you do not have
choices, so you can go with them.

794
01:03:05.719 --> 01:03:08.800
That's fine when they beat your price, but don't stay with them.

795
01:03:09.159 --> 01:03:14.800
And that's the problem people do.
They stay with these companies because they assume

796
01:03:14.840 --> 01:03:19.119
they're getting the best deal. The
other thing I don't like is their emphasis.

797
01:03:19.119 --> 01:03:22.440
And again there's nothing wrong with this, but their emphasis on profits for

798
01:03:22.519 --> 01:03:30.360
shareholders over insurance. They're insured,
so they have a vested interest in turning

799
01:03:30.400 --> 01:03:34.280
down claims, and when it comes
to turning down claims, they fight the

800
01:03:34.280 --> 01:03:38.760
most. If you talk to roofers, if you talk to people who cover

801
01:03:38.920 --> 01:03:44.480
homes and do repairs, if you
talk to people who fix cars, if

802
01:03:44.480 --> 01:03:47.559
you talk to people in the business, they will tell you these are the

803
01:03:47.639 --> 01:03:52.800
toughest committees to deal with, even
when it comes to personal injury. The

804
01:03:52.920 --> 01:03:57.480
toughest companies to deal with when it
comes for them paying liability to others.

805
01:03:57.920 --> 01:04:01.519
So they're just not a great eight. I don't know, they're just not

806
01:04:01.599 --> 01:04:08.280
a great bunch of people. Uh. These captive companies, they're not illegal,

807
01:04:08.320 --> 01:04:12.880
they're not scams, and they do
pay claims, but many times the

808
01:04:12.920 --> 01:04:18.039
customer service sucks big time. And
that's it in a nutshell, really okay?

809
01:04:18.679 --> 01:04:23.960
Uh? Three oh three seven one
three eight two five five. By

810
01:04:24.000 --> 01:04:27.960
the way, waterpros dot net you
can get a whole house system for soft

811
01:04:28.000 --> 01:04:32.440
water, which is a wonderful water
for cleaning and for your skin and for

812
01:04:32.480 --> 01:04:36.119
your plumbing. All of that you
can get for just around thirty four hundred

813
01:04:36.159 --> 01:04:48.480
bucks fully installed. That's waterpros dot
net. Go with a sure thing Denver's

814
01:04:48.519 --> 01:04:53.840
best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

815
01:04:57.239 --> 01:05:00.800
Time for an insurance check up free, No obligation can be Harrison call

816
01:05:00.880 --> 01:05:04.840
Compass Insurance paying too much your coverage
at dozens of insurance companies find out now

817
01:05:04.920 --> 01:05:09.760
three oh three seven seven to one
help. You'll think you're his only customer

818
01:05:09.800 --> 01:05:13.440
when you choose Frank durand the real
estate Man dot com to list your home

819
01:05:13.639 --> 01:05:19.320
with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom

820
01:05:19.360 --> 01:05:26.800
Martino here three oh three seven one
three talk three oh three seven one three

821
01:05:26.920 --> 01:05:31.320
eight two five five. Welcome to
the show. We're talking about everything you

822
01:05:31.400 --> 01:05:36.000
can when it comes to UH consumer
issues. All you have to do is

823
01:05:36.119 --> 01:05:40.800
call, and you can always call
three oh three Martino three oh three six

824
01:05:40.960 --> 01:05:44.800
two seven eight four sixty six.
So one of the things I talk about

825
01:05:44.840 --> 01:05:46.679
in solar and I have my solar
expert one of them with me at probid

826
01:05:46.840 --> 01:05:51.480
Energy dot com. We talk about
the need to get a professional solar contractor

827
01:05:51.559 --> 01:05:57.360
up there to give the t detach
and reattachment of panels and stuff for the

828
01:05:57.559 --> 01:06:01.159
UH forgetting your roof fixed. It's
really important keep your warranty of the components

829
01:06:01.199 --> 01:06:05.280
alive. Let's talk about REAP.
Now, REAP r e a P.

830
01:06:05.559 --> 01:06:11.519
What is it? Do you know
what it stands for? Rural Energy Assistance

831
01:06:11.559 --> 01:06:15.400
Program? Now REAP is when they
say rural, they just mean not in

832
01:06:15.440 --> 01:06:17.880
a dense city. You don't even
have It's not like you have to be

833
01:06:17.920 --> 01:06:20.440
out with the cows. No,
no, not at all. You could

834
01:06:20.519 --> 01:06:26.079
have a business in it and his
only business though, right, yes,

835
01:06:26.199 --> 01:06:31.760
okay, so this is really important. The REAP program is a grant you

836
01:06:31.880 --> 01:06:35.559
don't have to pay back, correct, and you get it in addition to

837
01:06:35.679 --> 01:06:41.800
tax credits. Correct, you could
essentially, in fact, why aren't Okay,

838
01:06:41.840 --> 01:06:44.280
go ahead, tell me what I'm
working on right now. We submitted

839
01:06:44.320 --> 01:06:50.320
to the to REAP. There's essentially
it's zero zero dollars system. Now,

840
01:06:50.440 --> 01:06:56.320
now here's the deal. If it's
zero dollars and they then they get free

841
01:06:56.360 --> 01:07:01.800
electricity, Well, why wouldn't every
single business do it? They just don't

842
01:07:01.840 --> 01:07:06.119
know about it. There is a
process to go through which we help you

843
01:07:06.199 --> 01:07:10.719
through. We do the grant writing
everything, we do it for. Yeah,

844
01:07:10.800 --> 01:07:16.119
I mean, so what's considered rural
for there are business owners listening right

845
01:07:16.119 --> 01:07:19.360
now, saying, first of all, what's the what's the business? Second

846
01:07:19.360 --> 01:07:24.840
of all, what's rural. I'd
have to define that, you know,

847
01:07:24.880 --> 01:07:28.519
through a mapping system and you can
lay in your address and it says you

848
01:07:28.599 --> 01:07:32.000
qualify for REAP program. Okay,
I'm like I said, it doesn't have

849
01:07:32.039 --> 01:07:34.840
to be out in the prairie.
No, I'm doing one in Longmont,

850
01:07:35.719 --> 01:07:41.000
right outside of town. It's a
beautiful farm. They raise vegetables and it's

851
01:07:41.039 --> 01:07:45.639
a huge system and a huge opportunity
for them because they can overbuild it as

852
01:07:45.639 --> 01:07:48.000
well to sell back to the grid
if it makes it worth it, which

853
01:07:48.000 --> 01:07:50.960
it's tough to do right now,
let's excel. They don't pay it back

854
01:07:51.000 --> 01:07:56.199
at a decent rate. But look, you your power in your own farm,

855
01:07:56.320 --> 01:08:00.760
the whole farm, on this whole
solar system, and now alone,

856
01:08:00.000 --> 01:08:08.119
it takes you thousands and thousands of
Now I heard landlords of commercial buildings can

857
01:08:08.159 --> 01:08:11.880
do it. I'm not sure if
they can do a REAP grant, but

858
01:08:11.920 --> 01:08:15.560
there's a lot of programs out there, Colorado Pace loan where it basically folds

859
01:08:15.560 --> 01:08:19.760
into your taxes, so it transfers
with the sale of the building. But

860
01:08:19.840 --> 01:08:25.000
you're still producing all your own energy. Plus you can charge tenants. You

861
01:08:25.039 --> 01:08:29.239
can charge tenants. Yeah, that
there's some great systems out there. And

862
01:08:29.319 --> 01:08:33.560
right now Excel has an rac A
Renewable energy credit about four cents per kilowatt

863
01:08:33.600 --> 01:08:36.840
hour. So what does that mean? So on top of on top of

864
01:08:36.920 --> 01:08:41.000
all the other benefits, what do
you what do you mean? Tax credit?

865
01:08:41.239 --> 01:08:45.760
A thirty percent depreciation. If you
can depreciate your system twenty seven to

866
01:08:45.800 --> 01:08:49.760
twenty five percent, then you get
an AREAC A four cents per killowat hour.

867
01:08:50.079 --> 01:08:54.880
That might get you close to a
zero dollar system without the reap,

868
01:08:55.119 --> 01:08:58.000
without the reap. So there's a
lot of ways. It's just I think

869
01:08:58.079 --> 01:09:00.479
people are afraid of it. To
look at it. It's free to look

870
01:09:00.520 --> 01:09:03.640
at it. Call us, call
Probate Energy will take care of you.

871
01:09:04.239 --> 01:09:10.680
Now, are any of these available
to residential systems? No, No,

872
01:09:10.880 --> 01:09:15.039
I'm they're really But you can still
get your tax credits, absolutely, tax

873
01:09:15.079 --> 01:09:17.680
credit And there's some other opportunities coming
up with a new solar release that we're

874
01:09:17.720 --> 01:09:21.960
gonna do that really really and people
you ought to consider on rentals as well,

875
01:09:23.560 --> 01:09:26.800
because you can charge a tenant for
electricity. We're doing a couple of

876
01:09:26.800 --> 01:09:30.960
those right now go with a sure
thing Denver's Best roofer Excel Roofing dot com.

877
01:09:31.000 --> 01:09:38.800
You don't pay a cent until you're
contenth time for an insurance check up

878
01:09:38.880 --> 01:09:44.399
free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of

879
01:09:44.399 --> 01:09:47.000
insurance companies find out now three oh
three seven to seven to one help.

880
01:09:47.159 --> 01:09:50.960
You'll think you're his only customer when
you choose Frank durand the real estate Man

881
01:09:51.000 --> 01:09:56.520
dot com to list your home with
Remax Alliance three oh three nine two zero

882
01:09:56.600 --> 01:10:11.039
sixteen twenty two Ripped Up News.
You need advice so you don't have come

883
01:10:11.199 --> 01:10:16.239
running. Just as fast as we
can. Shooter's gonna help coming man,

884
01:10:16.920 --> 01:10:25.079
This is the Troubleshooter Show. Now
Tom Martino, Hi, Tom Martino here,

885
01:10:25.119 --> 01:10:29.680
Welcome to the show. Three oh
three seven one three talk three oh

886
01:10:29.720 --> 01:10:33.520
three seven one three eight two five
five. What's on your mind today?

887
01:10:33.920 --> 01:10:38.399
I mean, I hope that you
don't have a lot of problems, but

888
01:10:38.479 --> 01:10:43.239
if you do, you can always
call us because we love helping people.

889
01:10:44.479 --> 01:10:48.319
So I'll give you some quick excellence
excellent. So people, if you're listening,

890
01:10:48.359 --> 01:10:51.880
you can call three oh three Martino
at any time, day or night,

891
01:10:51.920 --> 01:10:57.720
twenty four to seven and leave a
message that's three oh three six two

892
01:10:57.800 --> 01:11:01.159
seven eight four sixty six. The
only thing Mark's going to have to live

893
01:11:01.199 --> 01:11:05.600
with when I'm going here is that
number. It is gonna He's not gonna

894
01:11:05.600 --> 01:11:11.720
be able to say major because it's
not enough letters. So there anyway,

895
01:11:12.000 --> 01:11:15.680
three oh three six two seven eight
four six six, go ahead, O,

896
01:11:15.880 --> 01:11:19.560
my god, I almost clock,
remember me, Yeah, hold on,

897
01:11:19.760 --> 01:11:23.000
I almost called you something else.
I don't even want to say what

898
01:11:23.039 --> 01:11:26.800
it is. I don't know if
Mark heard it, but maybe heard me

899
01:11:26.880 --> 01:11:30.880
slip. But anyway, go ahead, doc, what is happening? Remember

900
01:11:30.960 --> 01:11:36.800
George called up on Friday about his
car being a jewel and I said I

901
01:11:36.800 --> 01:11:43.159
would, yes, his twenty two
Dodge twenty twenty two Dodge pick up right

902
01:11:43.239 --> 01:11:46.520
Dodge raam right. So I went
over to UH to jewel and it was

903
01:11:46.520 --> 01:11:49.800
the wrong one. I didn't know
there were two, and George didn't know

904
01:11:49.840 --> 01:11:57.039
there were two. There's one UH
in Denver by Parker Road, and that's

905
01:11:57.159 --> 01:12:00.920
well which one. He didn't know
which one it was at. He didn't

906
01:12:00.039 --> 01:12:03.359
tell me which one was at.
So after I went there, I called

907
01:12:03.439 --> 01:12:09.600
him back and he said it was
at the one on Wadsworth. So I

908
01:12:09.680 --> 01:12:12.479
called them up and he said,
I called him up to get the number,

909
01:12:12.760 --> 01:12:15.680
and he said, they must have
heard you on the radio because they

910
01:12:15.720 --> 01:12:20.800
told me today that my truck is
active instead of being a shop, it's

911
01:12:20.840 --> 01:12:26.000
actively being repaired. How many times
does that happen? Bro? How many

912
01:12:26.000 --> 01:12:29.239
times? What's that? Where where
they hear it on the show and they

913
01:12:29.319 --> 01:12:33.840
get to h and yeah. I
remember Dominique had a problem with Xcel.

914
01:12:35.199 --> 01:12:38.920
Yeah, so I told her,
I said, do me a favor.

915
01:12:39.319 --> 01:12:43.520
This one was where she inter her
roommates movement. Oh god, this was

916
01:12:43.600 --> 01:12:46.600
so complicated. Anyway, here's what
happened. They moved into an apartment and

917
01:12:46.680 --> 01:12:53.359
one of the roommates I thought she
transferred her electric bill over to the new

918
01:12:53.640 --> 01:12:58.439
apartment, but she but Excel failed
to make the transfer, so they were

919
01:12:58.439 --> 01:13:00.279
paying on the old apartment. Go
ahead, anyway, So I spoke to

920
01:13:00.319 --> 01:13:03.600
Dominique. I said, look,
this is very complicated. What you need

921
01:13:03.680 --> 01:13:09.760
to do is go to one of
the Excel brick and mortar places and show

922
01:13:09.800 --> 01:13:15.000
them what's going on, because no
one's going to listen to it over the

923
01:13:15.000 --> 01:13:16.600
phone. And I said, go
pick you know, just go to one

924
01:13:16.640 --> 01:13:19.319
new and she do that. I
didn't know they had brick and more they

925
01:13:19.319 --> 01:13:23.319
still have some, Yeah, they
dearly. So I said, look,

926
01:13:23.319 --> 01:13:27.680
go to one near you. If
that doesn't work, call me back and

927
01:13:27.800 --> 01:13:30.640
I will go down with you and
we'll get this straightened out because it's so

928
01:13:30.760 --> 01:13:35.399
complicated. Oh, it is complicated
because while they're paying on the old apartment,

929
01:13:35.520 --> 01:13:39.640
or the one roommate was paying on
the old apartment, she was collecting

930
01:13:39.680 --> 01:13:44.560
from them for their share of the
and it was really the old apartment.

931
01:13:44.600 --> 01:13:49.079
Meanwhile the new apartment was racking up
bills that the management company had. Oh

932
01:13:49.119 --> 01:13:53.439
it was terrible, right, terrible. I think it's so much easier to

933
01:13:53.479 --> 01:13:56.479
do it in person. So she's
going to get back to me, let

934
01:13:56.479 --> 01:14:00.680
me know what happens, and if
it's complicated, I will of course.

935
01:14:00.720 --> 01:14:03.399
Of course, that's part of part
of what we do is help people help

936
01:14:03.439 --> 01:14:08.199
themselves. Right, So let's real
quick here. Let's talk to UH.

937
01:14:08.279 --> 01:14:11.600
Do you have another one done?
Those two? Okay? Excellent? In

938
01:14:11.680 --> 01:14:15.840
the shoot on the one with the
UH that's the one for the body shop

939
01:14:15.880 --> 01:14:20.039
there. That's cool. Hey,
Martha, what is going on now?

940
01:14:20.279 --> 01:14:24.920
Had you called us before you were
working with the Deputy Bow, Is that

941
01:14:25.000 --> 01:14:29.439
right? I did? About three
weeks ago, I had a brand new

942
01:14:29.760 --> 01:14:36.359
LG dishwasher that was leaking. Oh
what I think? I remember that the

943
01:14:36.399 --> 01:14:40.439
ELG. I thought it wasn't a
fridge, it was a dishwasher. I'm

944
01:14:40.479 --> 01:14:43.800
sorry, Yeah, it was a
dishwasher. Okay, got it. I

945
01:14:44.159 --> 01:14:47.479
just had the wrong notes here,
I think. So what happened? Well,

946
01:14:47.800 --> 01:14:54.800
Kelly hooked me up with Deputy Bowl
a week before last and he called

947
01:14:55.199 --> 01:15:01.039
LG's media relations and got me a
photo. They my relations told him they

948
01:15:01.079 --> 01:15:05.199
were on top of it. It
was handled. He got me a number

949
01:15:05.359 --> 01:15:11.119
I could call him by darn.
They called me back and we negotiated for

950
01:15:11.199 --> 01:15:15.520
a full refund. Oh man,
that now are you happy about that?

951
01:15:15.680 --> 01:15:19.359
Getting a foot? What are you
going to get now? You know what,

952
01:15:19.439 --> 01:15:23.319
Tom, They're letting me keep the
dishwasher. I'm going to rent it

953
01:15:23.359 --> 01:15:27.079
into the ground. Oh my god. That is so wonderful. But what

954
01:15:27.159 --> 01:15:31.279
about the leak. The leak is
still there. They sent me actually a

955
01:15:31.319 --> 01:15:36.199
gasket. But the problem was is
they use sears A and E as repair

956
01:15:36.319 --> 01:15:42.720
and they never came out to do
it. So you're gonna be money ahead.

957
01:15:42.760 --> 01:15:45.600
Here's why you got the dishwasher.
You got the refund, Now get

958
01:15:45.600 --> 01:15:51.560
it repaired exactly. Damn, that's
what I'm gonna do. Gosh, that

959
01:15:53.039 --> 01:15:57.199
is you wouldn't have made that call, man, that is hold on,

960
01:15:57.279 --> 01:16:00.840
we got another one. Then me
mean, thank you by the way from

961
01:16:00.840 --> 01:16:03.039
calling and letting us know, Bo, that's pretty good work. We're good,

962
01:16:03.760 --> 01:16:09.239
good, good Martha. Yeah,
and they appreciate it. Sure.

963
01:16:09.399 --> 01:16:12.920
And then and on top of that, they say you can keep the dishwasher

964
01:16:12.960 --> 01:16:17.920
for goodness sakes. Wow. Now
three oh three seven one three A two

965
01:16:17.960 --> 01:16:24.279
five five Mark with pro Bid Energy. I was told Mark that if you

966
01:16:24.520 --> 01:16:28.680
source materials in the US, you
get a forty percent tax credit, not

967
01:16:28.800 --> 01:16:31.880
just thirty. So some of your
systems truly would have forty percent tax Absolutely

968
01:16:32.039 --> 01:16:38.840
absolutely. I mean that that's a
huge boost, uh for for residential and

969
01:16:38.920 --> 01:16:44.880
commercial solar. Now let's talk about
this. I want to talk about the

970
01:16:44.960 --> 01:16:48.079
landlords. This is something we've never
really talked about. But the way I

971
01:16:48.079 --> 01:16:51.359
look at it is, if you
have an apartment house, would would that

972
01:16:51.439 --> 01:16:57.600
be considered a commercial system where you
can get all that family? But would

973
01:16:57.640 --> 01:17:00.560
you be able to get that reap
on it? No, I don't believe

974
01:17:00.600 --> 01:17:08.880
you can for for Okay, it's
not a rural business. But if you

975
01:17:09.079 --> 01:17:14.359
had let's say a four plex,
a duplex, if even any kind of

976
01:17:14.399 --> 01:17:19.319
a rental okay, apartment anything.
Yeah, so if you did a system,

977
01:17:20.079 --> 01:17:28.079
you could charge for electrical use.
Sure, I mean if you do

978
01:17:28.119 --> 01:17:30.359
that, if you think of well, they might have their own meters.

979
01:17:30.399 --> 01:17:31.840
They may not, but you say, we're going to collapse your meters into

980
01:17:31.880 --> 01:17:36.680
one and we're going to take care
of your electrical but something. Yeah,

981
01:17:36.880 --> 01:17:42.960
you're locking in rates. There's no
car answer. Your rates to escalate because

982
01:17:42.960 --> 01:17:45.640
you're producing all your own energy.
You throw a couple of huge batteries in

983
01:17:45.720 --> 01:17:50.359
there too. You're powering your home
overnight, or your condo or your apartment

984
01:17:50.479 --> 01:17:54.680
complex, things of that nature.
There's a lot of great solutions, but

985
01:17:54.720 --> 01:17:59.520
they do take them upfront. Investment
going away. Mark one said, Mark,

986
01:17:59.520 --> 01:18:02.359
are you still did he did he
take off? I was wondering.

987
01:18:02.399 --> 01:18:08.039
He said, if incentives go away, credits, you can kiss goodbye solar

988
01:18:08.159 --> 01:18:11.000
Is. It can be It's can
be tough. Yeah, it'll be tough

989
01:18:11.039 --> 01:18:15.039
because it's tough now and people get
incentives. Finance rates are kind of ugly.

990
01:18:15.119 --> 01:18:19.760
But we we've got a new loan
coming up that is pretty attractive that

991
01:18:20.079 --> 01:18:25.239
I can't really say too much about. But once we do get that approval,

992
01:18:25.439 --> 01:18:30.079
it might make it again affordable.
What do you think the biggest objection

993
01:18:30.199 --> 01:18:32.520
now is to solar? What are
some of the biggest objections you know,

994
01:18:32.560 --> 01:18:39.000
I think some of the biggest objections
or interest rates are high. So the

995
01:18:39.079 --> 01:18:42.840
tax credit, of course, leaves
a balance, and that balance has to

996
01:18:42.880 --> 01:18:45.880
be paid, and if you don't
have cash to pay for that balance,

997
01:18:45.880 --> 01:18:50.640
you got to finance it. And
but do the interest rates outweigh the savings

998
01:18:50.720 --> 01:18:55.000
in electrical or can you at least
break even? If you even broke even,

999
01:18:55.039 --> 01:18:57.239
it would be okay. Yeah,
I mean I think you can break

1000
01:18:57.239 --> 01:19:00.159
even and people just want, you
know, they want that. And there's

1001
01:19:00.199 --> 01:19:02.920
some of those rates running right now
for solar. Well there's those renew loads,

1002
01:19:02.920 --> 01:19:06.159
which are probably the best loans because
there's no dealer fees or at eight

1003
01:19:06.199 --> 01:19:11.800
point seven four it's still out.
Are we going to see and this is

1004
01:19:12.159 --> 01:19:15.600
an overall question maybe for even my
YouTube morons, we ought to put up

1005
01:19:15.840 --> 01:19:21.520
a poll, but do you think
we're going to see any interest rates that

1006
01:19:21.560 --> 01:19:29.239
come down? By the way,
I wonder, I wonder well, they

1007
01:19:29.319 --> 01:19:33.359
keep threatening that they're going to drop
the basis of what a point or whatever

1008
01:19:33.399 --> 01:19:38.960
it is. But till it happens, I don't believe anything anymore on rates.

1009
01:19:39.439 --> 01:19:43.920
Now. By the way, I
noticed one of my YouTube morons is

1010
01:19:43.960 --> 01:19:49.520
on that and he's I think he's
getting into renewables and electric effcation or stuff

1011
01:19:49.560 --> 01:19:56.720
like that. And we have another
client eight eight eight heating dot com.

1012
01:19:56.720 --> 01:20:00.640
He says he for people with solar, they a complete electrical package. I

1013
01:20:00.640 --> 01:20:06.079
guess part electric furnace and part regular
furnace, and then water heaters and stuff

1014
01:20:06.079 --> 01:20:10.479
that can go back and forth.
Hybrid heat pumps. Yeah, the hybrid

1015
01:20:10.520 --> 01:20:14.239
heating systems are you keep your gas
furnace or get a new Yeah, but

1016
01:20:14.359 --> 01:20:16.640
you try to get as much on
electrical when you have electrical yep. And

1017
01:20:16.680 --> 01:20:19.640
then you do an electric heat pump. And what you do is you set

1018
01:20:19.720 --> 01:20:25.840
up your system so when electricity is
more expensive because it's harder to pull heat

1019
01:20:25.840 --> 01:20:29.399
out of the air in the winter
when it's twenty degrees, it auto switches

1020
01:20:29.439 --> 01:20:32.199
to your furnace, so you're saving
money that way. So it's a great

1021
01:20:32.199 --> 01:20:38.279
way to balance the residential system with
solar and heat pump. Hot water heaters,

1022
01:20:38.319 --> 01:20:44.039
heat pump, HVAC systems and having
a hybrid system. Now, as

1023
01:20:44.079 --> 01:20:47.479
far as Misty goes, she has
a problem with a truck. Misty,

1024
01:20:48.159 --> 01:20:58.399
what's happening? So I take my
truck and Mike Shaw on the two day

1025
01:20:58.560 --> 01:21:03.640
sixteen Okay, Tuesday, Okay,
the sixteenth, we're talking. Okay,

1026
01:21:03.760 --> 01:21:09.399
got it all right? Okay?
So then I take my truck in.

1027
01:21:09.640 --> 01:21:12.560
They don't tell me that they're going
to keep it for three days. All

1028
01:21:12.560 --> 01:21:15.880
I want is an oil change and
a diagnostic on a lifter kick. Now,

1029
01:21:15.880 --> 01:21:18.039
wait a minute, did you ask
him how long it was going to

1030
01:21:18.119 --> 01:21:24.720
take? No, I should have. That was my battue I And it

1031
01:21:24.800 --> 01:21:28.000
was on Tuesday. The what day
was that? Did you say? In

1032
01:21:28.640 --> 01:21:32.279
the sixteenth? Got it? Okay? So what happened? So then I

1033
01:21:32.319 --> 01:21:35.279
take my truck in to get the
diagnostic and the oil change done for the

1034
01:21:35.359 --> 01:21:39.920
lifter chick. So I pick up
my truck on Friday, I think it

1035
01:21:40.079 --> 01:21:42.680
was, and I go to get
in it. I go to start it

1036
01:21:42.680 --> 01:21:46.560
and it won't start, but it's
kicking like it's a loose connection. So

1037
01:21:47.279 --> 01:21:50.760
the guy that was well ticking sounds
like your lifter. Now, oh you

1038
01:21:50.760 --> 01:21:54.479
said it wouldn't start. You mean, so it was going click click,

1039
01:21:54.840 --> 01:21:56.640
Oh, I get it? Okay, got it? Yeah? Yeah,

1040
01:21:56.680 --> 01:21:58.880
like it was clicking like it,
you know, like a loose connection.

1041
01:21:59.159 --> 01:22:00.920
Got it? So I go in
there. So the guy hears it.

1042
01:22:01.000 --> 01:22:06.840
The guy who's helping me hears this, and he grabs the another guy to

1043
01:22:06.960 --> 01:22:11.439
come over with a jump box.
Yeah, jump bus on it. And

1044
01:22:11.479 --> 01:22:15.560
then if I lance starts well as
mechanics, I would think that if they

1045
01:22:15.560 --> 01:22:19.920
didn't bring my truck, my truck
never had an issue starting before, they

1046
01:22:19.960 --> 01:22:23.640
would check that, you know,
before they left me. Let me leave

1047
01:22:23.680 --> 01:22:27.039
the lot. So I go home, I park my truck. Mind you,

1048
01:22:27.119 --> 01:22:29.880
we have to rent a car because
they have our car for three days,

1049
01:22:30.399 --> 01:22:33.000
so well turn by the way by
just just to be fair. Three

1050
01:22:33.119 --> 01:22:40.000
days nowadays is not unusual for anything. Anyway, go ahead, I get

1051
01:22:40.000 --> 01:22:44.239
that. So we run a car
whatever that you know is more money,

1052
01:22:44.600 --> 01:22:46.960
but I go. We don't drive
it to that day or the next day.

1053
01:22:47.000 --> 01:22:49.079
We go, get in it,
we drive it to best Buy.

1054
01:22:49.439 --> 01:22:54.279
It starts flying and then it dies. We go, we go under a

1055
01:22:54.279 --> 01:22:57.199
store, come back out and won't
start again. So we call it back

1056
01:22:57.239 --> 01:22:59.680
my chap. They send a guy
over there to come over there to do

1057
01:22:59.800 --> 01:23:03.640
the with another jump box. The
guy tells my husband that My husband's like,

1058
01:23:03.640 --> 01:23:09.680
I'm pretty sure that the the negative
cable is loose, and the guy's

1059
01:23:09.720 --> 01:23:12.079
like, oh, it's okay,
it doesn't have to be tight or it

1060
01:23:12.199 --> 01:23:16.000
just to start, Yes it does, or well, yeah, it would

1061
01:23:16.000 --> 01:23:19.680
be optimal. I mean technically if
it's strong enough and it's not tight,

1062
01:23:19.760 --> 01:23:25.039
it would. But but anyway,
where are we going with this? So

1063
01:23:26.159 --> 01:23:28.600
we're sitting there for three years,
like out in the middle of nowhere.

1064
01:23:28.640 --> 01:23:31.520
They leave my truck there obviously,
then they call me and tell me that

1065
01:23:31.840 --> 01:23:35.920
they tell us to take it back
to this the dealership. The dealership tells

1066
01:23:36.000 --> 01:23:39.960
us we were thinking after they left
there they would come back and meet us

1067
01:23:40.000 --> 01:23:44.520
there to get keys or something.
Nobody comes back. The whole store is

1068
01:23:44.520 --> 01:23:46.359
empty. They're gone till the next
morning. Well, misty, wait a

1069
01:23:46.359 --> 01:23:50.119
second, I guess I lost you
here when you said you picked up your

1070
01:23:50.119 --> 01:23:56.880
truck and you needed a jump.
Then a few days later you right,

1071
01:23:57.479 --> 01:24:00.560
non, few days later, the
next day, oh, the next day,

1072
01:24:00.920 --> 01:24:03.680
the next day, hold on right, and then the next day you

1073
01:24:03.760 --> 01:24:09.920
needed another jump. As we're coming
outside of the store. Yes, so

1074
01:24:09.960 --> 01:24:12.600
we're coming out of the store,
right, I get it? And they

1075
01:24:12.640 --> 01:24:16.960
came. Did they come and give
you a jump or not? Three different

1076
01:24:16.960 --> 01:24:21.479
people show up there because they can't
get it to start, So they if

1077
01:24:21.479 --> 01:24:26.239
they don't believe that it's our battery, to bring it back to the dealership

1078
01:24:26.319 --> 01:24:28.880
and they will find out to look
at it and see what's wrong. Oh,

1079
01:24:29.039 --> 01:24:32.199
I get it back to the dealership. I got it. Nobody else

1080
01:24:32.279 --> 01:24:39.439
returns back to the dealership with us, and the service departments closed. Nobody

1081
01:24:39.439 --> 01:24:42.960
comes back there. So here we
are stuck with the truck still won't start

1082
01:24:43.000 --> 01:24:46.119
again, and stuck out the dealership
with nobody there. Wait, how did

1083
01:24:46.119 --> 01:24:50.119
it get to the dealership? Did
they toe it? They finally yeah,

1084
01:24:50.159 --> 01:24:53.560
after the third person. Note they
told us they didn't have toe trucks.

1085
01:24:54.359 --> 01:24:58.479
The third person that came and finally
put jumper cables instead of the jump box

1086
01:24:58.520 --> 01:25:01.600
on it. And then it started. Oh okay, my thing is their

1087
01:25:01.640 --> 01:25:06.680
customer service and their whole thing of
it is is okay, it was something

1088
01:25:06.760 --> 01:25:11.560
minor, It was only the battery
cable, But they still tried to get

1089
01:25:11.600 --> 01:25:14.680
me to buy a brand battery.
Didn't they try to make me convince me

1090
01:25:14.720 --> 01:25:17.960
that it was my fault that Chuck
wouldn't start anymore. So let me ask

1091
01:25:18.000 --> 01:25:23.840
you something though. This is the
big question for me, Misty. Did

1092
01:25:23.880 --> 01:25:28.920
they loosen your battery cable for anything? Yes? For what? That was

1093
01:25:28.960 --> 01:25:31.039
my question? Wait for what?
Why? Why? If you went in

1094
01:25:31.079 --> 01:25:36.359
for an oil change or for lifter
diagnostic, why would they have touched your

1095
01:25:36.399 --> 01:25:42.479
battery? So that's my thing.
Well, no, I'm asking. I

1096
01:25:42.479 --> 01:25:47.319
mean, in other words, is
it possible it wasn't their fault? No,

1097
01:25:47.520 --> 01:25:51.119
it's not. They have to take
off whenever they're doing the diagnostic and

1098
01:25:51.159 --> 01:25:55.600
they put the computer on or whatever
they have to have do stuff with the

1099
01:25:55.640 --> 01:25:59.760
battery and they have pulled it off
to check the claric code is what they

1100
01:25:59.800 --> 01:26:03.319
did. Okay, so they did
mess with the batteries. What you're saying,

1101
01:26:03.520 --> 01:26:06.640
yes, all right, okay,
hold on, I'm gonna come back

1102
01:26:06.640 --> 01:26:09.840
to you. I want to know
what we can do and what you need.

1103
01:26:10.399 --> 01:26:13.600
Uh. I get why you're pissed
if they mess with the battery cable.

1104
01:26:13.640 --> 01:26:16.520
They didn't put it back properly.
It was a really inconvenient. Okay,

1105
01:26:16.600 --> 01:26:25.279
we got that. We got more
coming up. Go with a sure

1106
01:26:25.359 --> 01:26:29.880
thing Denver's Best Roofer Excel roofing dot
com. You don't pay a cent until

1107
01:26:29.920 --> 01:26:35.439
you're content. Time for an insurance
check up free, no obligation. In

1108
01:26:35.520 --> 01:26:41.800
comparison, call Compass Insurance paying too
much your coverage at dozens of insurance companies

1109
01:26:41.880 --> 01:26:45.119
find out now three O three seven
to seven to one help. You'll think

1110
01:26:45.119 --> 01:26:48.159
you're his only customer when you choose
Frank durand the real estate Man dot com

1111
01:26:48.159 --> 01:26:57.880
to list your home with Remax Alliance
three three nine two zero sixteen twenty two.

1112
01:27:00.399 --> 01:27:05.239
Hey Tom Martino here three oz three
seven one three talk three three seven

1113
01:27:05.359 --> 01:27:10.319
one three eight two five five,
Welcome to the show. Here to help

1114
01:27:10.359 --> 01:27:14.880
you. And Misty was complaining,
and I don't blame her, she says.

1115
01:27:14.920 --> 01:27:17.279
She takes her truck in now.
She was upset anyway because it took

1116
01:27:17.359 --> 01:27:20.720
three days to get something done,
and you know people are having that problem

1117
01:27:20.760 --> 01:27:25.960
all day long. Anyway, she
said they had to take off a battery

1118
01:27:26.000 --> 01:27:28.600
cable. When they put back,
they apparently didn't put it on tight,

1119
01:27:29.039 --> 01:27:31.119
so it didn't start right away.
When she went there, they had to

1120
01:27:31.199 --> 01:27:35.239
jump her and instead of tightening the
cable, she goes her merry way and

1121
01:27:35.279 --> 01:27:39.640
the next day it has to be
jumped again, and it goes back to

1122
01:27:39.680 --> 01:27:44.800
the dealer and she's just pissed off
because you know it's fixed now. It

1123
01:27:44.880 --> 01:27:48.279
was just a battery cable. But
anyway, misty, what did did they

1124
01:27:48.319 --> 01:27:54.239
offer you anything like maybe a gift
certificate for oil change or anything. Nothing.

1125
01:27:55.319 --> 01:27:57.960
So my diagnostics that they gave me, if they don't even know that

1126
01:27:58.000 --> 01:28:00.920
it still try to sell me a
starter out give the fact they still try

1127
01:28:00.960 --> 01:28:03.840
to really believe that it was my
starter. Wait wait, wait wait wait

1128
01:28:04.079 --> 01:28:09.720
once but once, once they changed
out the cable and it worked, what

1129
01:28:09.880 --> 01:28:13.600
did they say about stop the cable
all? They never changed out the cable,

1130
01:28:13.720 --> 01:28:18.079
are not changed but tightened it once
they tightened it. They never even

1131
01:28:18.359 --> 01:28:20.720
I don't know if they tightened.
They not to tighten it at the shop

1132
01:28:20.760 --> 01:28:24.000
when they weren't back to look at
it. But when they called us,

1133
01:28:24.520 --> 01:28:28.159
they told us that it was our
starter, that it wasn't the battery,

1134
01:28:28.359 --> 01:28:32.039
and that it still wasn't starting.
So they gave us a quote of fifteen

1135
01:28:32.159 --> 01:28:36.600
hundred dollars. God, so my
husband told him, no, is my

1136
01:28:36.640 --> 01:28:40.479
truck starting right now? To start
right now? They told us no,

1137
01:28:40.680 --> 01:28:44.640
it would not start. So my
husband said, I will fix that issue.

1138
01:28:44.640 --> 01:28:46.840
On my own. Then don't touch
my truck anymore. Good, it's

1139
01:28:46.840 --> 01:28:50.039
not the starters. Then what did
he do? What did he do?

1140
01:28:50.119 --> 01:28:55.720
Then? A we called Triple A, had Triple A call bring our truck

1141
01:28:55.760 --> 01:28:59.960
home. Yeah, as soon as
that truck came off of that truck,

1142
01:29:00.399 --> 01:29:03.359
I started it. And we've never
had a problem since starting it. So

1143
01:29:03.479 --> 01:29:08.680
how am I supposed to believe that
the diagnosicsss? That sucks? It misty,

1144
01:29:09.199 --> 01:29:12.479
it's misty that sucks. I mean, if they tried to put you

1145
01:29:12.520 --> 01:29:15.239
together for fifteen hundred bucks, that
sucks. Did you let him know that?

1146
01:29:16.680 --> 01:29:18.960
Yes? I told him all this, and then I've called the general

1147
01:29:19.000 --> 01:29:23.439
manager today to speak to him because
he was out for the weekend. I

1148
01:29:23.479 --> 01:29:26.399
can't get him on the phone.
I can't get a return call. I

1149
01:29:26.479 --> 01:29:30.960
paid three hundred and twenty something dollars
for an oil change and a diagnostic,

1150
01:29:30.039 --> 01:29:33.159
and now I don't even know if
the diagnostics correct because they don't know.

1151
01:29:33.239 --> 01:29:36.439
They're trying to do me everywhere else. So what am I say? Can

1152
01:29:36.479 --> 01:29:40.359
I? Can I ask you something
real quick? I need to ask you

1153
01:29:40.439 --> 01:29:48.000
something real quick. The diagnostic you
wanted on the lifters? Why because it's

1154
01:29:48.079 --> 01:29:54.279
kicking so they say that fifteen hundreds
have a heimmy kick or whatever. We

1155
01:29:54.399 --> 01:29:56.840
just wanted to know if it was
the lifters or if it was an exhaust

1156
01:29:56.960 --> 01:30:00.600
leak, because if it was the
lifters or lifters are still covered under a

1157
01:30:00.680 --> 01:30:03.399
warranty that is through Mike Shops,
I mean from when we bought the truck.

1158
01:30:04.079 --> 01:30:06.319
If not, and it's just an
exhaust week, we can fix that.

1159
01:30:06.520 --> 01:30:09.520
My husband can fix that on it. I got it. What year

1160
01:30:09.600 --> 01:30:13.880
is that? What year is that? As a twenty seventeen dollars ram fifteen

1161
01:30:13.960 --> 01:30:20.239
hundred? Okay, so you know
shared an auto tech fix? Hey,

1162
01:30:20.600 --> 01:30:25.800
you see what you can do?
Leave a bad review on it on Yelp.

1163
01:30:26.199 --> 01:30:30.159
These dealers are so concerned about bad
reviews. I just bought a Hyundai

1164
01:30:30.600 --> 01:30:36.600
and I must have gotten at least
four or five different surveys about customer service,

1165
01:30:36.640 --> 01:30:42.479
et cetera, and the dealership called
me up several times to make sure

1166
01:30:42.680 --> 01:30:46.960
that I filled out the questionnaire and
gave them good reviews. So I would

1167
01:30:47.000 --> 01:30:51.960
definitely put a bad review for sure. They are really what else do you

1168
01:30:53.000 --> 01:30:55.880
want? Miss my money back?
Wait? Wait, wait, wha wha

1169
01:30:56.239 --> 01:30:59.920
now now now wait a minute.
Now we're getting somewhere money back for what

1170
01:31:00.600 --> 01:31:03.399
for the diagnostic? How do I
know that that's even the right diagnostic?

1171
01:31:03.520 --> 01:31:09.880
If they weren't a charge me fifteen
hundred dollars for a how much of that?

1172
01:31:10.279 --> 01:31:14.119
Okay, let's analyze that though,
missy. How much of that was

1173
01:31:14.159 --> 01:31:17.840
for the diagnostic and how much of
it was for the oil change? Okay,

1174
01:31:17.920 --> 01:31:20.800
so they charged me one hundred and
ten for the oil change. They

1175
01:31:20.800 --> 01:31:26.039
gave me a package deal for two
oil changes. They didn't rotate my tires

1176
01:31:26.039 --> 01:31:29.039
like they were supposed to. I
had to remind them to do the oil

1177
01:31:29.119 --> 01:31:33.520
change after the diagnostics. But how
much were you charged for the diagnostic?

1178
01:31:33.560 --> 01:31:39.079
One and ninety something? One hundred
ninety eight dollars for the diagnostics? And

1179
01:31:39.119 --> 01:31:47.840
what was the result of the diagnostic
change? Hold hold on, I'm getting

1180
01:31:47.920 --> 01:31:58.239
fifteen quote? Hey, hey,
hold on a second. They the result

1181
01:31:58.479 --> 01:32:02.039
of the diagnostic? The lifters?
Did they recommend any work? I didn't

1182
01:32:02.079 --> 01:32:05.880
hear you before? Go ahead?
They just said that they gave me a

1183
01:32:05.920 --> 01:32:11.079
fifteen hundred dollars quote and said that
it was an exhaust leak on exhaust menicoles.

1184
01:32:11.760 --> 01:32:15.479
Okay, now here, okay,
So here's what I suggested. I

1185
01:32:15.520 --> 01:32:18.279
got an idea for you, then
I really do. What I would do

1186
01:32:19.720 --> 01:32:25.159
is I would go to Sheridan Auto
Tech and I would say to Kevin,

1187
01:32:25.840 --> 01:32:29.239
I was on the show, and
I call him and ask him and say

1188
01:32:29.640 --> 01:32:34.199
that they told me we had an
exhaust leak causing this tick on the lifters

1189
01:32:34.720 --> 01:32:40.960
and they quoted me fifteen hundred dollars. Can you verify if there's truly because

1190
01:32:41.199 --> 01:32:44.119
if there is an exhaust leak,
like you said, you want to deal

1191
01:32:44.119 --> 01:32:48.159
with it, but ask them to
look at that because if it is not

1192
01:32:48.439 --> 01:32:51.840
accurate and they charge you one hundred
and ninety five to tell you a lie

1193
01:32:53.399 --> 01:32:56.159
or to quote you, I would
agree with you. We'll fight to get

1194
01:32:56.199 --> 01:33:00.680
your money back. But we don't
know. It's a bad it's a bad

1195
01:33:00.760 --> 01:33:03.800
diagnosis. We don't know that.
But so my thing of it is is

1196
01:33:03.840 --> 01:33:09.640
that exactly I don't know now,
So that's my whole thing. Well,

1197
01:33:09.720 --> 01:33:15.840
I know, but we never can
demand You can't demand a refund because you

1198
01:33:15.880 --> 01:33:20.479
can't demand a refund because you think
they gave you a wrong diagnosis. We

1199
01:33:20.640 --> 01:33:26.199
got to verify it, right,
And that's my only that's my only things.

1200
01:33:26.239 --> 01:33:29.079
Like we don't have times of hard
right now. You know what I

1201
01:33:29.159 --> 01:33:31.319
mean. We don't have another two
hundred dollars. Let's ask Kevin. Hold

1202
01:33:31.359 --> 01:33:35.119
on, hold on, I want
to ask Kevin how much it'll cost to

1203
01:33:35.199 --> 01:33:39.960
verify that or not. Maybe it's
not going to cost that much at all,

1204
01:33:40.119 --> 01:33:42.960
So hold on and let's figure that
out. Three zero three seven one

1205
01:33:43.079 --> 01:33:53.159
three eight two five five. Go
with a sure thing Denver's best roofer Excel

1206
01:33:53.279 --> 01:34:00.119
Roofing dot com. You don't pay
a cent until you're content. Time for

1207
01:34:00.119 --> 01:34:03.439
an insurance check up free, no
obligation. In comparison, call Compass Insurance

1208
01:34:03.600 --> 01:34:08.720
paying too much your coverage at dozens
of insurance companies find out now three all

1209
01:34:08.760 --> 01:34:12.239
three seven to seven to one.
Help. You'll think you're his only customer

1210
01:34:12.279 --> 01:34:15.920
when you choose Frank Durand the real
estate Man dot com to list your home

1211
01:34:15.119 --> 01:34:23.920
with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom

1212
01:34:23.960 --> 01:34:30.600
Martino, your troubleshooter three all three
seven one three talk three all three seven

1213
01:34:30.680 --> 01:34:39.119
one three eight two five five.
So Mark has a question for pro bid

1214
01:34:39.279 --> 01:34:41.680
energy, I'll have him on first
and uncle back to Misty. Go ahead,

1215
01:34:41.720 --> 01:34:48.199
Mark, Yes, sir, Yeah, I was just curious as to

1216
01:34:48.439 --> 01:34:53.720
how hard it is to sell the
tax credit, the large tax credits.

1217
01:34:54.079 --> 01:34:58.920
Uh. Oh, you know that's
a good question because people that get tax

1218
01:34:58.960 --> 01:35:02.840
credits can't always you use them.
Yep, now I know that I'd love

1219
01:35:02.880 --> 01:35:06.960
to buy tax credits. To me, it's a no lose situation. If

1220
01:35:06.960 --> 01:35:11.760
you know someone has tax credits and
you can buy them, let's say for

1221
01:35:11.840 --> 01:35:15.319
eighty cents, why wouldn't you do
it? That's a twenty percent savings?

1222
01:35:15.640 --> 01:35:18.960
So Mark, what is the real
deal on selling those? I really wish

1223
01:35:19.039 --> 01:35:21.239
I had an answer on that.
I just don't. I mean, it

1224
01:35:21.359 --> 01:35:26.319
sounds like well good to be true. Have you heard of people buying them?

1225
01:35:26.359 --> 01:35:30.800
Oh? Absolutely absolutely? In fact
bringing up a historic But is there

1226
01:35:30.840 --> 01:35:32.199
a broker? I mean, we're
who do you go to to sell them?

1227
01:35:33.119 --> 01:35:36.119
And how do you transform? Like
if Mark got him for his system

1228
01:35:36.159 --> 01:35:40.479
here he's calling in, how would
he transform to me if I wanted to

1229
01:35:40.479 --> 01:35:44.840
give him eighty cents on the dollar
that's above my pay? You know what?

1230
01:35:44.960 --> 01:35:47.800
You know what we maybe should ask. That's a good question. Mark,

1231
01:35:48.119 --> 01:35:53.000
You've heard of selling them though?
Right? Yeah? I went through

1232
01:35:53.000 --> 01:35:56.640
a brook and I'm getting one.
But I'm just I'm scared to death that

1233
01:35:56.640 --> 01:36:00.119
I'm wall Wait, wait, so
can you use your tax credits or not?

1234
01:36:00.439 --> 01:36:05.319
I don't make enough to I'm an
owner operator. I don't gross enough

1235
01:36:05.359 --> 01:36:13.439
to use that much tax credit.
How much credit are you getting? Yeah,

1236
01:36:13.520 --> 01:36:17.520
sixty seventy thousand is what would be
required to make it a zero?

1237
01:36:17.720 --> 01:36:20.079
And what would you be willing to
sell them for? Because you know what,

1238
01:36:20.279 --> 01:36:24.640
I am not kidding when I tell
you you'd be a moron not to

1239
01:36:24.680 --> 01:36:27.560
buy them if you can get a
discount. I mean, you're not expecting

1240
01:36:27.600 --> 01:36:30.399
one hundred percent of it, right, you know you have to discount them,

1241
01:36:30.439 --> 01:36:34.920
right? What I understood is I
would get eighty five percent of it.

1242
01:36:35.319 --> 01:36:39.600
Okay, even eighty five percent is
better than paying one hundred percent,

1243
01:36:39.680 --> 01:36:44.439
right, I mean, in other
words, it's to me, why wouldn't

1244
01:36:44.479 --> 01:36:48.319
anyone do it? The only time
I think there would be risk is if

1245
01:36:48.359 --> 01:36:54.920
you didn't really get them. So
did you get them yet? Not yet?

1246
01:36:55.000 --> 01:37:00.000
No, it's still undera you know, I think I think you know

1247
01:37:00.119 --> 01:37:04.600
this has been brought up enough that
I think we need to actually explore it.

1248
01:37:04.680 --> 01:37:15.760
So China's he's a She was not
nearly as enthused about tell them is

1249
01:37:16.520 --> 01:37:23.520
what I've been told? Now,
who wasn't a grant writer, did you

1250
01:37:24.079 --> 01:37:29.319
grant? Yeah? What? Yeah? When you said the grant writer,

1251
01:37:29.520 --> 01:37:34.479
you're getting a grant, Yeah,
I'm applying for the grant and wait,

1252
01:37:34.520 --> 01:37:39.680
wait, wait for a commercial So
you're putting in a commercial system. There's

1253
01:37:39.680 --> 01:37:44.880
supposed to be a commercial system.
Yes, but the delete grant covers either

1254
01:37:45.399 --> 01:37:48.640
you know, I want I understand. You can get the large commercial system

1255
01:37:49.039 --> 01:37:54.960
or you can get a smaller system, which I'm kind of leaning towards doing

1256
01:37:55.039 --> 01:38:00.319
now because I'm really worried about getting
my tax credits sold. When after I

1257
01:38:00.359 --> 01:38:06.039
spoke to that grant writer, what
company are you going through? Red Rocks

1258
01:38:06.680 --> 01:38:12.680
and hold on? So when you
talk to red Rocks, what constituted a

1259
01:38:12.720 --> 01:38:16.520
commercial system? What do you do? What is it? Well? It

1260
01:38:16.680 --> 01:38:20.760
was when I, uh, when
I had first talked to her, and

1261
01:38:21.159 --> 01:38:26.319
you know, started she told me
how it would be, she explained to

1262
01:38:26.319 --> 01:38:29.159
me. And I don't really am
no, No, I'm asking what is

1263
01:38:29.239 --> 01:38:33.439
the system going on a home,
a building, a factory. What is

1264
01:38:33.479 --> 01:38:38.760
it going on? It's ground based
on my property. Are you in a

1265
01:38:38.840 --> 01:38:45.880
rural area? Yes? And but
what classifies it as commercial the fact that

1266
01:38:45.920 --> 01:38:54.800
it's on your property in the country
doesn't necessarily make it commercial. What's trucking?

1267
01:38:56.279 --> 01:39:00.600
But is that land? Is is
that area? Do you live where

1268
01:39:00.600 --> 01:39:08.119
you're putting the solar system in?
Yes? How is it being classified commercial?

1269
01:39:08.239 --> 01:39:12.000
Do you know? I don't.
I'm sorry, I don't. Okay,

1270
01:39:12.159 --> 01:39:16.000
Okay, I don't understand it.
But is the grant going through?

1271
01:39:17.840 --> 01:39:23.079
Well? Now, that's another thing. I mean, because you got to

1272
01:39:23.119 --> 01:39:27.439
compete for these grants and right,
yeah, and the oh, you don't

1273
01:39:27.479 --> 01:39:30.520
really compete, but there's a there's
only a certain amount of money. That's

1274
01:39:30.520 --> 01:39:34.640
money. Yeah, and the larger
companies come first, the bigger, the

1275
01:39:34.760 --> 01:39:40.399
big commercial systems. That that's right, and that's right. But but but

1276
01:39:40.560 --> 01:39:45.239
she's been successful, she's been successful
at getting smaller ones done. Right.

1277
01:39:45.960 --> 01:39:51.159
What I want to know is what
stage are you in right now? I'm

1278
01:39:51.199 --> 01:39:57.800
just waiting on the grant writer to
and then to see if I get a

1279
01:39:57.840 --> 01:40:01.880
pre do not had it been submitted
already? Yes? Okay, So it

1280
01:40:02.000 --> 01:40:06.159
takes about three months to get an
answer back from REAP. But I'm curious.

1281
01:40:06.239 --> 01:40:10.239
I'm just curious. And again,
you know, I have faith in

1282
01:40:10.279 --> 01:40:15.239
these companies in pro Bid Energy here, probit Energy, dot Com and red

1283
01:40:15.399 --> 01:40:18.399
Rocks Solar I mean, I have
faith in them, but I'd like to

1284
01:40:18.439 --> 01:40:25.840
know how if you were eligible for
a commercial system, I can ask.

1285
01:40:26.439 --> 01:40:30.399
Yeah, that's I'd like to know. But I would also like to know

1286
01:40:30.880 --> 01:40:35.920
how you buy a dang tax credit. Let's explore that. Because we have

1287
01:40:35.960 --> 01:40:39.680
another hour to go, I want
to maybe get someone on who can tell

1288
01:40:39.760 --> 01:40:43.399
us how to do that, how
to buy and sell credits. I'm Tom

1289
01:40:43.439 --> 01:40:53.960
Martine. Go with a sure thing, Denver's best roofer Excel roofing dot com.

1290
01:40:54.000 --> 01:41:00.600
You don't pay a cent until you're
content. Time for an insurance check

1291
01:41:00.680 --> 01:41:03.960
up free, no obligation. In
comparison, call Compass Insurance paying too much

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01:41:04.079 --> 01:41:09.039
your coverage at dozens of insurance companies
find out now three all three seven to

1293
01:41:09.119 --> 01:41:12.560
seven to one. Help. You'll
think you're his only customer when you choose

1294
01:41:12.560 --> 01:41:16.000
Frank durand the real estate Man dot
com to list your home with Remax Alliance

1295
01:41:16.239 --> 01:41:25.479
three all three nine to zero,
sixteen twenty two. Hi, Tom Martino,

1296
01:41:25.720 --> 01:41:32.239
your troubleshooter did Mark hang on?
Okay? As he did? Sorry,

1297
01:41:32.279 --> 01:41:36.119
all right, But in any case, we're going to get someone on

1298
01:41:36.199 --> 01:41:44.720
to try to talk about the transfer
from the research I see they say there

1299
01:41:44.760 --> 01:41:48.000
is a form you have to fill
out an IRS form, and then a

1300
01:41:48.039 --> 01:41:55.600
purchase contract has to be executed and
then they literally transfer with this form the

1301
01:41:55.640 --> 01:42:01.119
tax credits to you. But again
I don't know exactly. I think the

1302
01:42:01.279 --> 01:42:10.279
form is called fifty six five.
Now that's to claim the tax credit,

1303
01:42:10.359 --> 01:42:15.960
right, Yeah, you know there
are some clearinghouses that do market the tax

1304
01:42:15.039 --> 01:42:18.000
credits. I'm trying to get some
sure they take a commission on. I'm

1305
01:42:18.000 --> 01:42:21.640
trying to get somebody on the line
for us. I have Mark back o

1306
01:42:21.720 --> 01:42:26.520
good r Mark or the other Mark
ar Mark? Okay, Mark, what

1307
01:42:26.680 --> 01:42:29.560
I saw you were calling me Mark, and I can pick up what's going

1308
01:42:29.600 --> 01:42:31.199
on. Listen. So this guy, there's a lot of Marks on the

1309
01:42:31.199 --> 01:42:35.600
show today. So look this freaking
moron who you just talked to and I

1310
01:42:35.680 --> 01:42:40.439
know he's listening. You are a
moron. I talked to him, Well,

1311
01:42:40.479 --> 01:42:44.640
I talked to him like two weeks
ago. He emailed Helpi Troubleshooter dot

1312
01:42:44.680 --> 01:42:47.800
Com saying, hey, I think
uh I think Brooke in Red Rocks is

1313
01:42:47.840 --> 01:42:51.199
screwing me. So you know,
I dropped everything I'm doing. I call

1314
01:42:51.279 --> 01:42:57.279
him up. Well, it turns
out he went around and called some grant

1315
01:42:57.319 --> 01:43:00.560
writer or whatever, which is no
big deal. There's nothing wrong with that.

1316
01:43:00.960 --> 01:43:04.520
But then after his conversation, his
assumption is she's screwing him. So

1317
01:43:04.560 --> 01:43:08.439
I called up Brooke and I said, what's going on here, Brooke?

1318
01:43:08.479 --> 01:43:11.279
And she's like, I have no
idea. This guy hasn't called, this

1319
01:43:11.399 --> 01:43:14.319
hasn't do anything. So I said, reach out to him and see what

1320
01:43:14.319 --> 01:43:16.439
he wants to do. She's tried
to reach out three times now. I

1321
01:43:16.600 --> 01:43:20.000
just talked to her again in the
last five minutes, and he will not

1322
01:43:20.119 --> 01:43:24.439
call her back. She'll let him
out of the contract. It doesn't even

1323
01:43:24.479 --> 01:43:29.399
matter. Now they've already done work
that they're basically going to have to pay

1324
01:43:29.439 --> 01:43:33.199
for, which they already did about
thirteen grand, which was doing trenching to

1325
01:43:33.319 --> 01:43:38.960
lay the electrical line to go to
wherever they're laying down the solar panels.

1326
01:43:39.079 --> 01:43:44.000
But this guy, he's like,
under the assumption, for no reason whatsoever,

1327
01:43:44.399 --> 01:43:46.039
he's not going to get the grand
money. That's all I can get

1328
01:43:46.079 --> 01:43:50.199
out of him. A hold on
go with a sure thing Denver's Best roofer

1329
01:43:50.319 --> 01:43:58.479
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pay a cent until you're content. Time

1330
01:43:58.520 --> 01:44:02.520
for an insurance check up free no
obligation comparison call Compass Insurance. Pay too

1331
01:44:02.600 --> 01:44:06.880
much your coverage at dozens of insurance
companies find out now three all three seven

1332
01:44:08.000 --> 01:44:11.640
seven to one help. You'll think
you're his only customer when you choose Frank

1333
01:44:11.720 --> 01:44:15.319
durand the Real Estate Man dot Com
to list your home with Remax Alliance three

1334
01:44:15.319 --> 01:44:28.720
all three nine two zero sixteen twenty
two. Yea ripped news ned advice who

1335
01:44:28.800 --> 01:44:35.600
you don't have Come run anxious as
fast as we can. Shooter's gonna help.

1336
01:44:35.880 --> 01:44:43.760
Come man, This is the Troubleshooter
Show. No Tom Martino, Hey,

1337
01:44:44.279 --> 01:44:47.159
Tom Martino here, Welcome to the
show. Three oh three seven one

1338
01:44:47.279 --> 01:44:51.880
three talk three all three seven one
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1339
01:44:51.920 --> 01:44:59.520
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1340
01:44:59.560 --> 01:45:03.399
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1341
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1342
01:45:06.600 --> 01:45:12.520
those old ugly sliding doors or those
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1343
01:45:12.560 --> 01:45:16.239
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1344
01:45:16.279 --> 01:45:21.520
you're Joe or Jill and no,
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1345
01:45:21.520 --> 01:45:25.600
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1346
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But it's not just made for the
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1347
01:45:30.880 --> 01:45:35.399
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1348
01:45:36.359 --> 01:45:41.960
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1349
01:45:42.039 --> 01:45:45.640
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1350
01:45:45.680 --> 01:45:48.479
dot Com through a three nine zero
four to two thousand. Welcome to the

1351
01:45:48.520 --> 01:45:54.119
show, and I want to bring
something up. We're talking about tax credits.

1352
01:45:54.680 --> 01:46:00.000
The actual process for selling tax credits. Do you have an expert that'll

1353
01:46:00.039 --> 01:46:03.239
be coming on in a few days
he couldn't make it, or maybe even

1354
01:46:03.279 --> 01:46:06.560
tomorrow and tomorrow or not an email
right now, we're gonna find out.

1355
01:46:06.760 --> 01:46:11.920
But that's what he does. He
brokeers them. So what we're talking about

1356
01:46:12.000 --> 01:46:14.960
is this when you put in a
solar system. Let's just say you got

1357
01:46:15.000 --> 01:46:17.560
fifty grand in tax credits or thirty
or ten or twenty, but you don't

1358
01:46:17.560 --> 01:46:24.279
pay taxes, or you pay so
small of a tax burden that it would

1359
01:46:24.279 --> 01:46:28.319
take you years to eat those up. Well, in that case, you

1360
01:46:28.359 --> 01:46:30.960
could actually get a media cash by
selling them, and you sell them at

1361
01:46:30.960 --> 01:46:34.079
a discount. And to me,
it's a no brainer, man. I

1362
01:46:34.119 --> 01:46:38.319
mean, I swear to you.
If I could buy tax credits, and

1363
01:46:38.640 --> 01:46:43.279
I know I'm going to have to
pay tax, why wouldn't I write So

1364
01:46:43.520 --> 01:46:50.039
anyway, here's the bottom line.
Let's talk to this guy. He called

1365
01:46:50.079 --> 01:46:57.279
in originally, and then Mark called
back after he called in. So this

1366
01:46:57.399 --> 01:47:01.159
smart called in and said he's he's
trying to figure out how to sell tax

1367
01:47:01.239 --> 01:47:03.600
credits. He's not sure he can
use them all. In fact, he

1368
01:47:03.680 --> 01:47:09.840
knows he can't. He says,
there's a seventy thousand dollars tax credit,

1369
01:47:09.840 --> 01:47:13.359
but he goes through with this.
He's in the process of writing a grant

1370
01:47:13.840 --> 01:47:16.279
and he was putting in a solar
farm and I asked him, I said,

1371
01:47:17.279 --> 01:47:19.640
is this a commercial system? He
said he didn't know. He said

1372
01:47:19.640 --> 01:47:23.840
he thought it was, but it's
where he lives. And I said,

1373
01:47:23.840 --> 01:47:28.520
well, how did that happen?
And then I guess he said he wasn't

1374
01:47:28.560 --> 01:47:31.279
sure, but he was using red
Rocks by the way, who by the

1375
01:47:31.319 --> 01:47:34.199
way, I love I love Red
Rocks, roof and Solar good people,

1376
01:47:35.199 --> 01:47:41.199
and we've had great reviews about them. So he was mentioning that, and

1377
01:47:41.239 --> 01:47:45.960
then Mark Major Major, Mark Major
called up and said, this guy's a

1378
01:47:45.000 --> 01:47:50.520
moron. This guy, you know, basically, he was complaining. He

1379
01:47:50.560 --> 01:47:57.880
went out on his own and did
something, and I didn't understand it completely.

1380
01:47:58.319 --> 01:48:02.479
So what I wanted to do is
punt some perspective on this to begin

1381
01:48:02.560 --> 01:48:09.039
with, so to be fair,
and I want I want this caller Mark

1382
01:48:09.199 --> 01:48:13.920
to know I promise you Mark,
I will treat you one fairly, Okay.

1383
01:48:14.479 --> 01:48:17.279
I want to get a perspective on
this, not from Major Mark Major,

1384
01:48:17.359 --> 01:48:20.640
because he was hearing it secondhand,
and I don't want to hear it

1385
01:48:20.760 --> 01:48:25.439
secondhand. I want to go right
to Brook at Red Rocks and ask her

1386
01:48:25.479 --> 01:48:29.399
first and foremost about your system.
Then you, by the way, Mark,

1387
01:48:29.680 --> 01:48:32.000
we want to get you help,
okay, and see what's going on.

1388
01:48:32.199 --> 01:48:35.520
So Brooke, if you could just
talk to me for a minute.

1389
01:48:36.159 --> 01:48:40.439
Mark is a customer, and by
the way, I didn't get the sense

1390
01:48:40.479 --> 01:48:45.800
he was complaining. I truly got
the sense he was simply asking questions and

1391
01:48:45.880 --> 01:48:49.640
he didn't have a lot of answers. So Brooke, could you explain Mark's

1392
01:48:49.680 --> 01:48:55.960
system? Is it a commercial system? Yeah? Absolutely so it is.

1393
01:48:56.640 --> 01:49:00.079
We are applying for the REEF grant, which is ties to here arms or

1394
01:49:00.319 --> 01:49:05.960
slash ad or commercial projects. So
he has a business and ll F and

1395
01:49:06.000 --> 01:49:12.279
so that's how it's qualifying as a
business aspect. We are intelling this project

1396
01:49:12.319 --> 01:49:15.600
as a ground mount. It's not
going on his residential home. So again

1397
01:49:15.640 --> 01:49:19.760
that allows him to utilize the green
and utilize it as a commercial project because

1398
01:49:19.800 --> 01:49:26.479
it's not on his residence and his
LLC business is tied to that address.

1399
01:49:27.079 --> 01:49:30.760
And what kind of an LLC business
is it? Is it just to get

1400
01:49:30.800 --> 01:49:34.439
this grant or is it for something
else? No, it's been functioning for

1401
01:49:34.479 --> 01:49:39.680
a while. I spoke with his
accountants prior to him signing the contract a

1402
01:49:39.720 --> 01:49:43.319
few times to make sure that all
of this made sense and worked out for

1403
01:49:43.439 --> 01:49:46.000
him. So from my understanding,
the accountant was working with him on his

1404
01:49:46.279 --> 01:49:50.760
personal as well as his business tax
credits. So okay. And so he

1405
01:49:50.880 --> 01:49:55.640
was going to get this he was
going to get this system paid for and

1406
01:49:55.840 --> 01:50:00.600
was he going to sell some of
it back to the grid. So he

1407
01:50:00.680 --> 01:50:04.560
wanted to install as big of a
system as possible because there's no downfall to

1408
01:50:04.600 --> 01:50:12.199
doing that with the grants. So
we're installing a twenty five point eight kilowatt

1409
01:50:12.239 --> 01:50:14.880
system I believe is what the contract
says. I don't have a contract in

1410
01:50:14.880 --> 01:50:17.319
front of me. I apologize,
but it's a pretty good size system.

1411
01:50:17.720 --> 01:50:23.279
It's not a solar field, but
he would be overproducing depending on what his

1412
01:50:23.359 --> 01:50:28.239
power is. He hasn't lived at
the property, so there is no historical

1413
01:50:28.319 --> 01:50:30.319
data, so we're unsure what he'll
make off of it, but he will

1414
01:50:30.319 --> 01:50:38.319
make some unless he utilizes all that
power. Okay, And then now I

1415
01:50:38.359 --> 01:50:44.239
want him to explain what his concerns
were. So let's go to Mark the

1416
01:50:45.439 --> 01:50:48.760
solar mark up here. Hey Mark, okay, Now I understand what you're

1417
01:50:48.760 --> 01:50:54.560
doing, So now what are your
concerns? Go ahead, sir? Okay,

1418
01:50:56.119 --> 01:50:59.720
Hi Brooke, if you're listening,
uh, don't listen to Mark Major.

1419
01:50:59.760 --> 01:51:02.079
I mean I was. I just
called in to ask a question on

1420
01:51:02.119 --> 01:51:04.359
how I know you did it.
I know you did. Go ahead,

1421
01:51:04.399 --> 01:51:10.319
sir, go ahead to sell.
So when I talked to the grant writer,

1422
01:51:11.039 --> 01:51:15.159
she had some things to say that
can brought concern because she was like,

1423
01:51:15.279 --> 01:51:20.520
this is going to be a sixty
six year loan and and she told

1424
01:51:20.560 --> 01:51:24.640
me, and that's what I was
when I wrote in on the email.

1425
01:51:24.720 --> 01:51:30.199
I was trying to get like a
uh you know, somebody that didn't have

1426
01:51:30.239 --> 01:51:33.520
a dog in the fight. No, I met Mark, Mark, Mark,

1427
01:51:33.640 --> 01:51:36.960
listen, I promise you. I
don't have a dog. I promise

1428
01:51:38.000 --> 01:51:41.039
you, I don't. I like
Brooke and she's a sponsor, but I

1429
01:51:41.079 --> 01:51:45.720
listen, I will find out exactly
what you are Tom. What's that to

1430
01:51:45.760 --> 01:51:47.079
work? She's okay, I didn't
work with her, but I will.

1431
01:51:47.159 --> 01:51:51.520
I will get you independent information if
you want me to. Okay, But

1432
01:51:51.520 --> 01:51:56.600
but I need to ask you something
what I don't understand what it is that

1433
01:51:56.640 --> 01:51:59.720
the grant writer was trying to explain
to me. And that's why I was

1434
01:51:59.760 --> 01:52:02.760
trying to good help. I want
to know too, buddy, who could

1435
01:52:03.119 --> 01:52:06.920
who you know? But hold on, Mark, when you one thing at

1436
01:52:06.960 --> 01:52:11.119
a time, Mark, Mark,
one thing at a time. You mentioned

1437
01:52:11.600 --> 01:52:15.520
the grant writer told you that it's
not really a grant, but it's a

1438
01:52:15.600 --> 01:52:25.319
sixty six year loan. Well,
that's what my obligation would be because I'm

1439
01:52:25.359 --> 01:52:30.680
not going to be able to she
was explaining to me that, and I

1440
01:52:30.720 --> 01:52:34.439
don't understand what she was talking about. I'm sorry, but I won't be

1441
01:52:34.479 --> 01:52:40.960
able to get the system fully paid
for and when I told her, well

1442
01:52:41.359 --> 01:52:47.439
that Brooke had told me that she
can sell my my credits and would pay

1443
01:52:47.479 --> 01:52:53.319
that back. She was very concerned
that that doesn't work very well. Well,

1444
01:52:53.560 --> 01:52:59.399
okay, everything I'm reading says it
works one hundred percent to say you

1445
01:52:59.439 --> 01:53:03.520
can sell to credits all day long, everything I'm reading, So I guess,

1446
01:53:03.600 --> 01:53:08.479
but I want to ask Brook to
explain a few things. What is

1447
01:53:08.600 --> 01:53:15.359
the Brook, What is the the
sixty six year obligation he's talking about.

1448
01:53:15.600 --> 01:53:19.119
To be honest with you, I'm
unsure. And so what I did after

1449
01:53:19.720 --> 01:53:26.880
hearing this concern is I started having
one of my staff, with the individual

1450
01:53:26.960 --> 01:53:30.600
doing the grant as well as our
grant writer, to all sit in together

1451
01:53:30.800 --> 01:53:33.079
to make sure there wasn't any confusion, because it sounds like there's some confusion

1452
01:53:33.119 --> 01:53:39.039
going on here. So again I
sat down with Mark and his account and

1453
01:53:39.079 --> 01:53:43.439
we knew his tax liability wasn't high. So over the next six years,

1454
01:53:43.479 --> 01:53:47.479
I modified when he would be able
to recoup the tax credits and the depreciation

1455
01:53:47.600 --> 01:53:51.119
and the other benefits because we knew
it was going to be a small amount

1456
01:53:51.199 --> 01:53:55.359
throughout the next six years, but
that he would recoup all of that value

1457
01:53:55.439 --> 01:53:59.840
within six years. Marty is a
fantastic grant writer, she's the best in

1458
01:53:59.840 --> 01:54:02.359
the but she's not an accountant,
and she's only looking at part of the

1459
01:54:02.399 --> 01:54:06.319
picture. So that's probably where the
disconnect happened, if she's only looking at

1460
01:54:06.319 --> 01:54:11.880
a small snippet of financials. Whereas
Mark, please tell me, how long

1461
01:54:11.880 --> 01:54:15.680
have you been working with your account
it. Well, I've known James for

1462
01:54:15.760 --> 01:54:24.840
years and years. But hey,
yeah, he didn't quite understand how this

1463
01:54:25.039 --> 01:54:29.319
was all going to piece together either, you mean, hold on, he

1464
01:54:29.319 --> 01:54:34.199
didn't understand which part of it the
grant, the depreciation or the tax credits,

1465
01:54:34.239 --> 01:54:39.920
which part How how I would regain
the Okay, so it's one hundred

1466
01:54:39.920 --> 01:54:43.640
and thirty one thousand dollars system,
how I would get that paid for?

1467
01:54:44.520 --> 01:54:48.720
If I don't qualify for that much? Okay, Okay, hold on,

1468
01:54:48.800 --> 01:54:54.239
hold on, one thing at a
time, first and foremost. On that

1469
01:54:54.359 --> 01:54:58.560
system, you would get tax credits. And if you don't qualify, if

1470
01:54:58.600 --> 01:55:01.720
you're not going to use tax cred
credits to use your tax credits, as

1471
01:55:01.760 --> 01:55:05.079
Brook said, over the next six
or seven years, then what you would

1472
01:55:05.079 --> 01:55:12.359
do is sell them. And what
I heard the going market is about eighty

1473
01:55:12.399 --> 01:55:16.039
five percent. You would get of
those tax credits. Now a Brook,

1474
01:55:16.079 --> 01:55:21.600
you can correct me on that if
you want. But so after that there's

1475
01:55:21.680 --> 01:55:28.119
depreciation. But if you're in a
tax bracket Brook, that isn't high enough,

1476
01:55:28.159 --> 01:55:32.359
depreciation doesn't do you any good either. Sure, so he has a

1477
01:55:32.439 --> 01:55:39.680
tax liability give or take of every
year between eleven and twenty thousand and so

1478
01:55:39.800 --> 01:55:45.680
that's what jas is what I think
is feasible for for this tax liability this

1479
01:55:45.760 --> 01:55:49.680
year based on his history. So
that's the part that we were working on

1480
01:55:49.760 --> 01:55:55.119
to make sure that he would recove
all the value within six years and James,

1481
01:55:55.159 --> 01:55:58.680
myself and Mark agree to that.
Now, if you will sell the

1482
01:55:58.720 --> 01:56:02.720
tax credits, you can't gain that
depreciation. And if he does an equity

1483
01:56:02.760 --> 01:56:08.399
partnership, then that equity partner can
gain the depreciation and write the check to

1484
01:56:09.640 --> 01:56:12.640
Mark as well. So there's a
couple of different ways that you can skin

1485
01:56:12.720 --> 01:56:16.840
a cat in this instance. And
the first part, though, gets the

1486
01:56:16.880 --> 01:56:20.960
grants. If a grant gets awarded, then that's fifty percent of his system.

1487
01:56:21.560 --> 01:56:25.640
Then we can figure out the other
pieces because he still has the option

1488
01:56:26.159 --> 01:56:30.800
to get out of the contract if
he doesn't get the grant or if the

1489
01:56:30.840 --> 01:56:33.720
tax part of it doesn't work out
in his favor, But the biggest thing

1490
01:56:33.760 --> 01:56:39.039
is getting the grant approved before September, and then we can kind of do

1491
01:56:39.119 --> 01:56:41.560
next steps on how he wants to
work out the rest of the system.

1492
01:56:42.039 --> 01:56:45.760
So Mark, what she's saying is, Mark, what she's saying is if

1493
01:56:45.800 --> 01:56:50.720
it doesn't work out where it's not
the economic picture you want, you can

1494
01:56:50.760 --> 01:56:57.279
get out of it. Yeah.
I'm in the game to squeeze people out

1495
01:56:57.279 --> 01:57:00.239
of money or to do things right. No, I know that. I

1496
01:57:00.279 --> 01:57:02.039
know that, Brooke, I know
that. I'm so. I was just

1497
01:57:02.199 --> 01:57:08.760
concerned that maybe there was a misunderstanding
between you and the Brook and the because

1498
01:57:09.039 --> 01:57:12.479
she told me some things that and
I was like, well that didn't really

1499
01:57:12.680 --> 01:57:15.960
square up. Now I'm not Look, I'm I want the system. I'm

1500
01:57:16.000 --> 01:57:20.039
I'm I'm happy with everybody you sent
out to the property and you know,

1501
01:57:20.199 --> 01:57:26.039
and you guys have taken really good
care of answering my questions. I was

1502
01:57:26.079 --> 01:57:31.000
trying to get some outside information so
I could compare what you know everyone's telling

1503
01:57:31.079 --> 01:57:38.239
me. And and and when Mark
said, Mark Major said that I went

1504
01:57:38.279 --> 01:57:43.720
out behind everybody's back and called a
grant writer. That's that's not true,

1505
01:57:43.960 --> 01:57:46.960
Brooke, and Pamela set the meeting
up for me. Okay, hold on

1506
01:57:47.039 --> 01:57:53.960
and hold on, I want to
listen. I want to just make sure

1507
01:57:54.399 --> 01:57:57.479
you get the information you need.
And I'm going to go back to Mark

1508
01:57:57.520 --> 01:57:59.960
anyway, because he wanted to say
something. But let me just say that

1509
01:58:00.159 --> 01:58:04.520
quickly, you called in to find
out about selling tax credits, and also

1510
01:58:04.600 --> 01:58:10.720
you had a question, rightly so
about the grant. But I want to

1511
01:58:11.680 --> 01:58:20.920
did she insinuate the grant writer that
the grant is an obligation. It's hard

1512
01:58:20.960 --> 01:58:25.560
to explain what she said. She
said, I was because I put such

1513
01:58:25.560 --> 01:58:29.760
a large down payment I wasn't going
to get because Brooke told me I was

1514
01:58:29.800 --> 01:58:33.600
going to get like a sixty five
thousand dollars check from the grant when the

1515
01:58:33.680 --> 01:58:40.479
system was installed and approved and then
they would write me that check. And

1516
01:58:40.920 --> 01:58:43.840
I had mentioned that to the grant
writer. She said, well, you're

1517
01:58:43.880 --> 01:58:46.439
not You're only going to get I
don't know fifty eight or whatever it was

1518
01:58:46.560 --> 01:58:49.680
that she told me. And you
know, these numbers are just off the

1519
01:58:49.680 --> 01:58:53.640
top of my head. And then
when did you say you'd get the rest

1520
01:58:53.640 --> 01:59:00.800
of it? That would be all
I got from the grant from the because

1521
01:59:00.079 --> 01:59:03.399
it had something to do with the
amount of money I put down thirteen thousand

1522
01:59:03.479 --> 01:59:11.960
dollars and so, okay, okay, this is this is clearly okay,

1523
01:59:12.399 --> 01:59:15.840
fine at least now I know though, that you're in the process with an

1524
01:59:15.840 --> 01:59:21.680
out clause. But Brooke, do
you understand why. I'm just curious why

1525
01:59:21.760 --> 01:59:27.880
a grant writer would even talk about
the actual whole deal when they're only concerned

1526
01:59:27.880 --> 01:59:31.039
about the grant part of it.
I'm confused about that. Well, so

1527
01:59:31.159 --> 01:59:35.119
the grant entitled every aspect of the
project, so they got to know that

1528
01:59:35.520 --> 01:59:41.560
whoever's the grantee can come up with
the funds either have to finance the funds

1529
01:59:41.720 --> 01:59:45.319
or they have to have it in
their accounts. So that's probably why she

1530
01:59:45.399 --> 01:59:47.920
was talking about the loans. And
then they always have to write kind of

1531
01:59:47.920 --> 01:59:51.840
worst case scenario for the grant.
So let's say that Mark doesn't get any

1532
01:59:51.840 --> 01:59:56.119
of his tax credits, so there's
a couple issues that go down the road

1533
01:59:56.199 --> 01:59:59.720
or anything like that. That's probably
what she was trying to go through because

1534
01:59:59.720 --> 02:00:03.279
that's how she's going to write the
grant. Because again, when you're writing

1535
02:00:03.359 --> 02:00:09.039
grant, it's a pretty lengthy process. It takes about two to two and

1536
02:00:09.079 --> 02:00:12.760
a half months for her to publish
it true, and so again I would

1537
02:00:12.800 --> 02:00:15.239
assume what she's chatting about is worst
case scenario. Now, if for some

1538
02:00:15.319 --> 02:00:20.239
reason all of the folks doing this
grant don't get the full fifty percent covered,

1539
02:00:20.439 --> 02:00:24.279
that's what's written in the contract.
So then I have to come up

1540
02:00:24.279 --> 02:00:27.239
with a difference. And that's how
I feel for me to do. So

1541
02:00:27.319 --> 02:00:30.880
what's to work with whatever needs to
happen on this project? Mark, I

1542
02:00:30.960 --> 02:00:34.279
just wish that maybe having conversations with
us, we could have given you all

1543
02:00:34.279 --> 02:00:38.880
this information to say, here's a
length to look at this reason and Mark

1544
02:00:39.000 --> 02:00:42.399
Major. I want to bring Mark
Major up because Mark Major said he told

1545
02:00:42.439 --> 02:00:45.279
them all of this. I guess
Mark, go ahead, Mark, I

1546
02:00:45.279 --> 02:00:48.159
got to take a break, but
go ahead. Start coming from my ears,

1547
02:00:48.239 --> 02:00:51.640
every bit of this. I had
this same conversation with So I want

1548
02:00:51.680 --> 02:00:56.880
to read you something that I received
on July ninth. So I had talking

1549
02:00:56.960 --> 02:01:00.800
almost two weeks ago. Here's what
starts off, and it's for Mark and

1550
02:01:00.840 --> 02:01:02.880
I'm not even going to say his
last name. It starts off Hi.

1551
02:01:03.359 --> 02:01:09.359
I thought i'd let you know Brooke
White appears to not be a straight shooter.

1552
02:01:09.640 --> 02:01:12.760
Then it goes on to condemn her, and this guy's so full of

1553
02:01:12.800 --> 02:01:15.600
crap. I called him immediately,
And for people listening to the show on

1554
02:01:15.720 --> 02:01:19.880
referral lists dot com, if they're
a sponsor or, an endorsement or on

1555
02:01:20.039 --> 02:01:25.720
referral list, I call immediately on
any problems. Yes you do, I

1556
02:01:25.720 --> 02:01:29.199
guess you do. Mark, What
the hell's going on? This is crazy?

1557
02:01:29.439 --> 02:01:32.680
And he starts talking to me about
some third party that told him he

1558
02:01:32.760 --> 02:01:36.039
might not get something, and I'm
like, whoa, what are you even

1559
02:01:36.119 --> 02:01:39.800
talking about? Mark? I mean, what do you want me to do?

1560
02:01:39.800 --> 02:01:42.920
Do you want me to call Brook
back and have her canceled the deal?

1561
02:01:43.000 --> 02:01:44.760
Do you want me to do this? What are you looking for?

1562
02:01:44.960 --> 02:01:46.439
He goes, I don't know.
I don't understand, And I said,

1563
02:01:46.439 --> 02:01:49.880
well, if you don't understand,
why are you starting off with Brooke White

1564
02:01:49.880 --> 02:01:55.720
appears not to be a straight shooter. And then when the conversation finally ended,

1565
02:01:56.000 --> 02:01:59.760
I thought everything was solved. I
really did. Then I'm leaving today

1566
02:02:00.039 --> 02:02:05.319
and I hear him on the phone
like like he might talk to something called

1567
02:02:05.359 --> 02:02:09.880
in and asked I just called in
and asked how hard it is to sell

1568
02:02:09.920 --> 02:02:13.279
a tax credit? That's all I
did, Mark, Yeah, that's what

1569
02:02:13.359 --> 02:02:15.640
he did. Okay, Mark,
I still don't understand. I'll tell you

1570
02:02:15.720 --> 02:02:17.960
right now, if you want out
of the deal, Brook's going to let

1571
02:02:18.000 --> 02:02:20.880
you out. I don't even know
why he didn't say he wanted out.

1572
02:02:20.960 --> 02:02:25.399
He would, Yeah, let him
choose, just go bad. No,

1573
02:02:25.720 --> 02:02:29.760
I can play the tape. He
was talking about grant money and possibly not

1574
02:02:29.840 --> 02:02:33.399
getting it in this conversation before I
called in, So don't act like it

1575
02:02:33.520 --> 02:02:39.399
was just about tax credits. I
heard it. I'm not anyway. I'm

1576
02:02:39.520 --> 02:02:43.520
asking questions, he talked, Okay, more and Mark and Mark, you're

1577
02:02:43.640 --> 02:02:45.520
you're You're welcome to ask questions.
I get it, I get it,

1578
02:02:46.000 --> 02:02:49.199
and and this is a big purchase. I gotta take this break, no

1579
02:02:49.239 --> 02:02:59.119
matter what go ahead were dragging.
We got to do it. Go with

1580
02:02:59.199 --> 02:03:02.680
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1581
02:03:02.880 --> 02:03:11.399
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1582
02:03:11.520 --> 02:03:15.560
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1583
02:03:15.640 --> 02:03:18.720
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1584
02:03:18.880 --> 02:03:23.880
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1585
02:03:23.920 --> 02:03:30.279
your home with Remax Alliance three all
three nine two zero sixteen twenty two.

1586
02:03:31.640 --> 02:03:34.600
Hi Tom Martino here, Welcome to
the show. Three h three seven one

1587
02:03:34.640 --> 02:03:38.760
three talk seven one three eight two
five five. Mark has a plumbing question.

1588
02:03:38.880 --> 02:03:42.159
Another Mark. We've had so many
marks today, so anyway, go

1589
02:03:42.159 --> 02:03:46.079
ahead, Mark. Yeah, I
have a house that's built on a slab.

1590
02:03:47.199 --> 02:03:53.520
Yeah, and uh the leak is
underneath it. Uh. Oh and

1591
02:03:53.600 --> 02:03:58.159
I've I've confirmed that that that's the
general location. My wife, Now,

1592
02:03:58.199 --> 02:04:00.039
what kind of leak is it?
Do you know? Is it fresh water?

1593
02:04:00.960 --> 02:04:08.199
It's yeah, on the water system
Denver water is there. So it's

1594
02:04:08.239 --> 02:04:12.560
your main, it's your main coming
in. No, it's it's not the

1595
02:04:12.600 --> 02:04:17.119
main coming in because uh, I
turned the valve. The valve at the

1596
02:04:17.239 --> 02:04:24.159
house. So everything's good up to
there. Okay, I shut up all

1597
02:04:24.239 --> 02:04:27.159
the all the Now let me ask
you this. When and how did they

1598
02:04:27.199 --> 02:04:30.199
plumb the house. You have a
main coming up to the house, you

1599
02:04:30.359 --> 02:04:34.920
turned it off and nothing is leaking. So from then it goes from your

1600
02:04:35.039 --> 02:04:42.560
meter into the house. Does it
was it all buried in concrete? Uh,

1601
02:04:42.720 --> 02:04:46.560
it's buried under concrete. They when
you say under concrete. Okay,

1602
02:04:46.600 --> 02:04:51.239
got it, but it's not in
the concrete, correct, Okay, go

1603
02:04:51.239 --> 02:04:57.760
ahead, keep going. So now
what So now, I would wanted to

1604
02:04:57.800 --> 02:05:01.000
get a plumbing company that you think
that you have on your list there,

1605
02:05:01.159 --> 02:05:05.039
that you think can come and help
me out with that, because first thing

1606
02:05:05.079 --> 02:05:09.920
I do, I gotta know where
the leak is and then we're right get

1607
02:05:09.960 --> 02:05:16.119
it repaired. Now, as far
as finding the leak, I'm not sure

1608
02:05:16.199 --> 02:05:20.800
I have someone. Now I have
great plumbing companies, but I'm really not

1609
02:05:21.039 --> 02:05:26.159
sure I have someone who can pinpoint
a leak like that. There are companies.

1610
02:05:26.479 --> 02:05:30.000
I don't know how they do it, but there are companies that do

1611
02:05:30.079 --> 02:05:33.560
that. I don't know how they
do it. I think they they they

1612
02:05:33.600 --> 02:05:38.840
have to go inside the pipe,
but I'm not sure. They're leak detection

1613
02:05:39.039 --> 02:05:42.479
services actually, and that's not the
name of the company, that's the name

1614
02:05:42.479 --> 02:05:46.640
of the genre. They're leak detection
companies. And I don't think we have

1615
02:05:46.720 --> 02:05:51.119
anyone on the referral list. So
there's two parts to this. One is

1616
02:05:51.159 --> 02:05:56.640
finding the leak and then the other
one is fixing it. Now, fixing

1617
02:05:56.680 --> 02:06:01.079
it. Let me tell you the
danger you have with fixing it. Okay,

1618
02:06:01.079 --> 02:06:06.239
if you find a company, a
legit company, good companies like Plumbline,

1619
02:06:06.319 --> 02:06:09.840
like Brothers, like fix It twenty
four to seven, like any of

1620
02:06:09.880 --> 02:06:15.199
them. If you find a good
legit company, it's going to cost you

1621
02:06:15.359 --> 02:06:21.119
a crap load of money, okay, because they sub out what they don't

1622
02:06:21.159 --> 02:06:26.039
do and they have to be responsible
for it, so there's a markup on

1623
02:06:26.159 --> 02:06:29.479
what they don't do. They're going
to have to find people the jackhammer to

1624
02:06:29.560 --> 02:06:32.520
the slab in that area to excavate
it out, to do all of this

1625
02:06:32.640 --> 02:06:38.800
work. Okay. What I'm saying
is it's expensive as hell. All right,

1626
02:06:38.920 --> 02:06:42.880
Now, this slab is in a
basement or is it on your main

1627
02:06:43.000 --> 02:06:49.319
level? It's the house built on
a slab, so it's just underneath the

1628
02:06:49.359 --> 02:06:53.520
concrete. No, I get it. But what I'm what I'm asking is

1629
02:06:53.560 --> 02:06:58.039
this. There are houses built on
a slab, but they have kind of

1630
02:06:58.159 --> 02:07:01.520
like an elevation and then a first
floor. But this is your first floor,

1631
02:07:01.640 --> 02:07:06.520
right correct? Okay, well,
then you're going to have all the

1632
02:07:06.560 --> 02:07:11.119
cosmetics. What if it's right smack
dab in the middle of your kitchen,

1633
02:07:13.920 --> 02:07:17.960
so gotta get it fixed. Yeah, but if there might be I'm going

1634
02:07:18.000 --> 02:07:20.880
to tell you something. You may
not want to hear, but it might

1635
02:07:20.960 --> 02:07:27.960
be more advantageous to vacate the pipe
and reroute it, depending on where it

1636
02:07:28.039 --> 02:07:30.720
is and which if it only goes
to one line. Like, I don't

1637
02:07:30.720 --> 02:07:34.000
know how your house is plumbed.
Do you have a plumbing plan of that

1638
02:07:34.079 --> 02:07:44.319
house? No? This house is
built back in nineteen fifty four. Okay,

1639
02:07:44.680 --> 02:07:49.000
so you don't have any You don't
have any idea where the pipes go

1640
02:07:49.239 --> 02:07:55.880
under that slab? Well, I
kind of do because of the way it's

1641
02:07:55.920 --> 02:08:01.960
only out a bathroom and a kitchen
that there's water too. Okay, Okay,

1642
02:08:03.079 --> 02:08:07.520
Now is there a way to isolate
Is there a way to isolate either

1643
02:08:07.560 --> 02:08:18.399
of those lines underneath the sinks?
Uh? Not? Well, h I

1644
02:08:18.439 --> 02:08:22.000
have shut off elves on all the
all the lines that come up on the

1645
02:08:22.199 --> 02:08:26.359
thing, just like any Here's what
I'm getting Here's what I'm getting at.

1646
02:08:26.600 --> 02:08:30.720
If there are people smarter than me
that do this for a living, and

1647
02:08:30.760 --> 02:08:33.880
they'll figure it out. But if
it's if you go from your main and

1648
02:08:35.119 --> 02:08:39.119
offshoot to the kitchen and offshoot to
the bathroom. If that's the way it

1649
02:08:39.159 --> 02:08:46.239
works, and one of those fresh
water lines is leaking, sometimes rather than

1650
02:08:46.279 --> 02:08:54.720
trying to fix that line. It's
it might be better to literally do some

1651
02:08:54.880 --> 02:09:01.039
pecks and and try to just go
in another way to get to your bathroom

1652
02:09:01.079 --> 02:09:07.039
or kitchen. It might be better
that way rather than trying to just jackhammer

1653
02:09:07.079 --> 02:09:09.960
the whole damn thing. I mean, you could have one hell of a

1654
02:09:11.000 --> 02:09:15.439
mess on your hand with with PEX
plumbing, you might be able to get

1655
02:09:15.520 --> 02:09:20.039
it routed to the kitchen or bath
in another way. I'm not saying you

1656
02:09:20.119 --> 02:09:24.399
can, but there are all kinds
of creative things you can do with the

1657
02:09:24.439 --> 02:09:30.239
new technology. Again, it's gonna
no matter what, just trying to figure

1658
02:09:30.239 --> 02:09:33.640
this out, the detection and diagnosis
is gonna cost you some money. Hold

1659
02:09:33.680 --> 02:09:37.279
on, let me see if we
can recommend someone. Hold On, go

1660
02:09:37.399 --> 02:09:41.640
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

1661
02:09:41.680 --> 02:09:48.039
a cent until you're content. Time
for an insurance checkup free, no obligation.

1662
02:09:48.079 --> 02:09:52.439
In comparison, call Compass Insurance.
Pay too much your coverage at dozens

1663
02:09:52.479 --> 02:09:56.800
of insurance companies find out now three
oh three, seven to seven to one

1664
02:09:56.880 --> 02:10:00.560
help. You'll think you're his only
customer when you choose Frank Rand the Real

1665
02:10:00.640 --> 02:10:05.159
estate Man dot com to list your
home with Remax Alliance three all three nine

1666
02:10:05.239 --> 02:10:15.039
two zero sixteen twenty two. Hi
Tom Martino, you're troubleshooter three all three

1667
02:10:15.079 --> 02:10:22.039
seven one three talk seven one three
eight two five five. Now here's the

1668
02:10:22.079 --> 02:10:30.039
deal. We uh need to talk
to Mark about this plumbing question. And

1669
02:10:30.119 --> 02:10:35.960
he said he has the underground leak. Now, Mark, I looked online

1670
02:10:35.960 --> 02:10:39.319
here. Okay, I'm gonna tell
you that we don't have anyone that specifically

1671
02:10:39.359 --> 02:10:46.319
does groundwater leak detection. Okay,
I'm gonna tell you that, but there

1672
02:10:46.479 --> 02:10:52.880
are companies that do just that,
okay. And what you really want to

1673
02:10:52.960 --> 02:10:58.399
do is find someone who does that. That's that's step one. Then getting

1674
02:10:58.439 --> 02:11:05.760
it repaired, you're gonna have to
go to a plumbing contractor like a plumb

1675
02:11:05.760 --> 02:11:09.760
line or fix it twenty four to
seven. And I bring up I'll bring

1676
02:11:09.840 --> 02:11:13.159
up others. I mean, you
have Master Services, you have a number,

1677
02:11:13.199 --> 02:11:16.039
you have eight eight eight heating dot
Com, you have a number of

1678
02:11:16.079 --> 02:11:22.439
companies and get bits because it's going
to be expensive. But pinpointing it is

1679
02:11:22.479 --> 02:11:30.640
the first thing you want to do. Are you there, sir, Yeah,

1680
02:11:30.720 --> 02:11:35.560
I'm here. So it's the detection
part I want to do first.

1681
02:11:35.199 --> 02:11:41.159
Now, let me. I'm looking
here on leaked detec detection, and even

1682
02:11:41.239 --> 02:11:46.359
though they all say they kind of
do it, they really don't specialize in

1683
02:11:46.399 --> 02:11:52.159
it. They don't, not in
the ground, not in what you're talking

1684
02:11:52.199 --> 02:11:58.119
about. There are some companies that
literally like that's what they do. They

1685
02:11:58.159 --> 02:12:01.279
do just leak detection, and you're
just gonna have to google it. Bro.

1686
02:12:01.720 --> 02:12:05.079
I just don't have anyone I can
tell you offhand. But there are

1687
02:12:05.159 --> 02:12:09.800
companies that's all they do, and
they have really good they have really good

1688
02:12:09.880 --> 02:12:16.479
ways of doing it. And then
after that then you can contract to have

1689
02:12:16.520 --> 02:12:20.079
a pinpoint kind of repair done.
But man, is it going to be

1690
02:12:20.079 --> 02:12:24.760
a mess because they're going inside your
main floor to dig down through concrete.

1691
02:12:24.239 --> 02:12:28.920
Think about that. I mean,
now, there are some other there are

1692
02:12:30.000 --> 02:12:35.159
some other ways. Plumb Line does
pipe, they do something. They do

1693
02:12:35.199 --> 02:12:39.479
it with drains. I'm not sure
they can do a fresh water line where

1694
02:12:39.520 --> 02:12:43.479
they pull a fresh water line through
dirt underneath, but I don't know.

1695
02:12:45.079 --> 02:12:48.600
I don't know. Excuse me.
They do it with sewer lines. I

1696
02:12:48.600 --> 02:12:50.800
don't know if they can do it
with fresh water lines, but it's going

1697
02:12:50.880 --> 02:12:54.520
to take some research on it.
How bad is the leake? Do you

1698
02:12:54.520 --> 02:13:03.600
know, not really, I can
only to make kind of from the UH

1699
02:13:03.079 --> 02:13:07.960
meter, you know. Okay,
you know, go on the internet and

1700
02:13:07.000 --> 02:13:11.520
do I did groundwater leak detection.
Okay, that's what you want, because

1701
02:13:11.560 --> 02:13:16.960
that's what it's called ground ground plumbing
leak detection, ground plumbing leak detection.

1702
02:13:18.640 --> 02:13:22.439
And then once you kind of located, I'll help you find someone to do

1703
02:13:22.479 --> 02:13:26.479
it, but you you need to
you need to locate it first, all

1704
02:13:26.600 --> 02:13:31.039
right, all right, and they
have special ways of doing it, they

1705
02:13:31.079 --> 02:13:37.439
really do. Three oh three seven
to one three talk Nina or is it

1706
02:13:37.520 --> 02:13:43.079
Nina? Nina your mom's estate.
We're gonna try to answer that question for

1707
02:13:43.159 --> 02:13:46.560
you right after this if you can
hang okay, because I got behind because

1708
02:13:46.600 --> 02:13:50.520
of that that controversy. You'll call
with all the marks so we got more

1709
02:13:50.560 --> 02:13:56.000
coming right up. Go with a
sure thing Denver's Best roofer Excel Roofing dot

1710
02:13:56.039 --> 02:14:01.720
com. You don't pay a cent
until you're content. Time for an insurance

1711
02:14:01.800 --> 02:14:07.319
checkup free, no obligation. In
comparison, call Compass insurance paying too much

1712
02:14:07.439 --> 02:14:11.720
your coverage at dozens of insurance companies
find out now three all three seven seven

1713
02:14:11.760 --> 02:14:15.520
to one help. You'll think you're
his only customer when you choose Frank durand

1714
02:14:15.520 --> 02:14:18.920
the real estate man dot com to
list your home with Remax Alliance three oh

1715
02:14:20.000 --> 02:14:26.920
three nine two zero sixteen twenty two. Nina. But Mark, you guys

1716
02:14:26.960 --> 02:14:31.279
do the rep grants right and it's
an absolutely Uh, you do it right?

1717
02:14:31.359 --> 02:14:35.079
Yes, absolutely, and you can
help commercial operators too, absolutely.

1718
02:14:35.199 --> 02:14:41.119
Probinenergy dot Com three O three six
two three fifteen thirty one. Uh,

1719
02:14:41.199 --> 02:14:43.520
Nina. What is going on with
your mom's estate? Nina? What's happening?

1720
02:14:46.840 --> 02:14:54.520
Well, my mom was ninety three
and she passed away last December,

1721
02:14:54.560 --> 02:15:03.079
and I discovered that she had had
her will changed six months prior to her

1722
02:15:03.119 --> 02:15:09.920
death. She was ninety three,
elderly, some dementia going on, and

1723
02:15:09.159 --> 02:15:16.600
her entire estate was turned over to
a person who none of the family has

1724
02:15:16.680 --> 02:15:22.479
ever heard of. Oh you know
that sounds that stinks of that really stinks

1725
02:15:22.520 --> 02:15:31.000
of something fishy. And did that
person get everything already or not? We're

1726
02:15:31.039 --> 02:15:35.600
in probate right now. But they
came and stole my mom's nineteen sixty one

1727
02:15:35.840 --> 02:15:39.960
Classic Corvette out of her garage.
Now, wait a minute, did they

1728
02:15:41.000 --> 02:15:48.880
steal it or was it in the
will? The content it was in my

1729
02:15:48.000 --> 02:15:56.359
mom's garage. She did not delignate
specifically the corvette. Who is this person

1730
02:15:56.399 --> 02:16:01.279
that took who are these people?
Who are they? Was it a caretaker?

1731
02:16:03.960 --> 02:16:09.960
It was a relation to the lawyer
who wrote up the will. Well,

1732
02:16:11.000 --> 02:16:15.279
that's ridiculous. Did you wait a
minute, have you gone to the

1733
02:16:15.319 --> 02:16:20.840
Supreme Court Oversight Committee about this attorney? I don't know where to go.

1734
02:16:22.239 --> 02:16:26.600
Wait a minute, Nina, this
is this is unbelievable. We're going to

1735
02:16:26.680 --> 02:16:30.680
continue this. Let me get this
straight. Your ninety three year old mom

1736
02:16:30.840 --> 02:16:35.239
dies and someone who's a relative of
the attorney that did the will stands to

1737
02:16:35.319 --> 02:16:41.280
inherit everything. Yes, oh no, no, no, no, this

1738
02:16:41.399 --> 02:16:46.239
sucks you hang on, uh Kaschina, Let's get her on. This is

1739
02:16:46.360 --> 02:16:52.559
ridiculous. Let's start her off tomorrow. See you, guys,