WEBVTT 1 00:00:00.800 --> 00:00:13.279 Yeah, ripped up news. You need advice, so you don't have come 2 00:00:13.439 --> 00:00:19.960 running. Just as fast as we can. Shooter's gonna help coming man. 3 00:00:20.160 --> 00:00:26.519 This is the Troubleshooter Show. No Tom Martino. I'm Tom Martino. Welcome 4 00:00:26.559 --> 00:00:29.399 to the show. Three oh three seven one three. Talk is our number. 5 00:00:29.399 --> 00:00:33.520 Seven one three eight two five five. You could also call three oh 6 00:00:33.600 --> 00:00:38.039 three Martino right now or twenty four to seven and leave a message and we 7 00:00:38.119 --> 00:00:42.759 will get back to you. As always, we have themes that I interweave 8 00:00:42.840 --> 00:00:47.359 through the show. This theme today will be a state planning. But anything 9 00:00:47.399 --> 00:00:51.840 on your mind I want to know, give me a call. Don't let 10 00:00:52.039 --> 00:00:56.240 problems fester if someone lies you, cheated you, or ripped you off. 11 00:00:57.679 --> 00:01:00.159 Another thing. There's some real estate stuff going on I want to talk about 12 00:01:00.200 --> 00:01:07.480 with an attorney that we've known for many years, Brandon Siglian and Brandon does 13 00:01:07.480 --> 00:01:11.879 a lot of real estate. So here's the deal. I want you to 14 00:01:11.959 --> 00:01:18.400 call with any issues. This is the town hall. This is the last 15 00:01:18.599 --> 00:01:23.040 bastion of free speech for I don't mean for freespate. There's a lot of 16 00:01:23.079 --> 00:01:25.879 places you can do free speech, but what I mean is the last bastion 17 00:01:26.200 --> 00:01:32.120 for discussing regular issues where I'm not going to try to change your mind. 18 00:01:32.439 --> 00:01:37.200 I'm going to try to help you see what I believe is the way to 19 00:01:37.239 --> 00:01:40.599 go for your problem based on the many many years we've been doing this. 20 00:01:40.920 --> 00:01:42.599 And I want to bring up a side note here, by the way, 21 00:01:44.480 --> 00:01:49.519 McKenzie. Dan McKenzie's here today because I mentioned that Dan is we're talking about 22 00:01:49.599 --> 00:01:52.799 estate planning. He's an estate planning attorney. We'll get him in a minute. 23 00:01:53.439 --> 00:01:57.680 Now, here's the bottom line. A guy calls, I've been pissing 24 00:01:57.680 --> 00:02:02.319 people off a little here and there over the years, and mostly I pissed 25 00:02:02.359 --> 00:02:06.840 people off when I tell them what I believe is the truth based on my 26 00:02:06.920 --> 00:02:10.840 many many years of experience, and they disagree. So yesterday we have a 27 00:02:10.840 --> 00:02:17.240 personal injury case. The guy calls in and he says, frank A's are 28 00:02:17.319 --> 00:02:23.840 screwing me around he was hit by a guy that was uninsured, has no 29 00:02:23.960 --> 00:02:27.800 money. I think he was uninsured, but let me look at his call. 30 00:02:28.520 --> 00:02:31.520 Anyway, he says, frank A's are screwing him. Why is frank 31 00:02:31.560 --> 00:02:36.319 A's are screwing because he took the case. It was Randy took the case 32 00:02:36.400 --> 00:02:40.759 that somebody ran a red light, and now I said, Randy, you 33 00:02:40.840 --> 00:02:46.680 have to go to your own insurance for injuries if this guy doesn't have insurance 34 00:02:46.560 --> 00:02:58.400 and his own insurance is only twenty five thousand dollars in underinsured uninsured motorist coverage. 35 00:02:59.080 --> 00:03:02.560 Once a's looks into this, every personal injury attorney, I'm not sticking 36 00:03:02.680 --> 00:03:06.520 up for Razar. I personally, I wouldn't represent him. I don't think 37 00:03:06.520 --> 00:03:08.960 he does a great job over the years, but I can't say he's crooked. 38 00:03:09.479 --> 00:03:13.520 But what I can say is this, when they examine the case. 39 00:03:13.560 --> 00:03:16.039 Every personal injury attorney, they might do it before they take a case. 40 00:03:16.080 --> 00:03:20.680 Some take the case, then examine it, then kick the case. But 41 00:03:20.759 --> 00:03:23.439 what they look at is they look at where's the money. That's what everyone 42 00:03:23.439 --> 00:03:28.719 looks at. In a case without damages or the ability to damages, you 43 00:03:28.800 --> 00:03:36.800 don't take a case. Asar kicked the case because he saw that the other 44 00:03:36.879 --> 00:03:42.719 guy wasn't insured and that Randy only carried twenty five thousand dollars in insurance. 45 00:03:43.560 --> 00:03:47.199 Nobody's gonna work for that. Randy can probably get insurance limits on his own. 46 00:03:49.360 --> 00:03:53.080 They even told him to do certain things himself. Randy's very upset. 47 00:03:53.120 --> 00:03:54.479 He wants to take the guy to court and get a judgment and make the 48 00:03:54.520 --> 00:04:00.159 guy make payments over the years. But since attorneys take these cases on contingency, 49 00:04:00.360 --> 00:04:02.560 they're not willing to go through all the expensive court to sue the guy 50 00:04:02.680 --> 00:04:06.639 to get a judgment and do a collection and then get part of their fee 51 00:04:06.680 --> 00:04:10.919 over five years or ten years. They're not going to do it. Randy 52 00:04:11.080 --> 00:04:14.719 was very very upset with me when I said, Randy, go after the 53 00:04:14.719 --> 00:04:16.839 guy directly. If you want get a judgment and then go to collection, 54 00:04:16.959 --> 00:04:21.920 do it yourself. And he was just pissed off. He writes a letter 55 00:04:21.959 --> 00:04:27.120 to management that personally I couldn't believe. I mean, he called me every 56 00:04:27.199 --> 00:04:30.959 name in the book. I mean, like every name. I'm trying to 57 00:04:30.959 --> 00:04:34.800 find it here, but it was a terrible, terrible uh. And then 58 00:04:34.920 --> 00:04:40.560 in this letter he writes to management about me. By the way, Tom, 59 00:04:40.600 --> 00:04:45.720 he also loved three voicemails for you again with the same play him or 60 00:04:45.720 --> 00:04:48.800 are they dirty? No, they are full of profanity, right, So 61 00:04:48.920 --> 00:04:53.160 he said, Tom is a piss ass, this that and the other thing. 62 00:04:53.399 --> 00:04:59.199 MF and you know, so he writes an email and then saying he's 63 00:04:59.240 --> 00:05:02.240 an a hole and that he's terrible, He's this. Then he challenges me 64 00:05:02.360 --> 00:05:09.560 to a boxing match. Okay, this young man wants to box a seventy 65 00:05:09.639 --> 00:05:14.319 year old guy and kick his ass because he's pissed off that I'm right and 66 00:05:14.360 --> 00:05:16.879 he's wrong. Did you ask Randy to come back on? Because I truly 67 00:05:16.959 --> 00:05:25.560 believe that if Randy does have the energy to sue this guy directly, even 68 00:05:25.600 --> 00:05:29.480 a small claims court, he might be able to recover some damages with a 69 00:05:29.600 --> 00:05:32.000 judgment over years. But it's going to take a long time. It's a 70 00:05:32.160 --> 00:05:39.399 very difficult thing to do. I think one of the biggest problems in law 71 00:05:39.600 --> 00:05:44.959 is having people understand how damages work. You know, we hear about all 72 00:05:45.000 --> 00:05:50.439 of these big awards, but do we hear about the collections. So he 73 00:05:50.560 --> 00:05:55.399 left three voicemails. Well this guy, you know, I hope it doesn't 74 00:05:55.439 --> 00:05:58.720 border on dangerous because I'll have him arrested. I mean, I'm not gonna 75 00:05:58.759 --> 00:06:04.720 I'm not gonna sit here and take the did he threaten us kit China? 76 00:06:05.560 --> 00:06:09.879 Did? Okay? I want to get him on the phone if he wants, 77 00:06:10.319 --> 00:06:13.519 so. I left him a message. He did not answer, and 78 00:06:13.560 --> 00:06:16.920 I will keep at it. Yeah, I mean, I'm serious about this 79 00:06:17.160 --> 00:06:25.279 as far as helping him do When I said to him, listen, I 80 00:06:25.279 --> 00:06:29.160 don't want to argue with you, but if you want information on going after 81 00:06:29.240 --> 00:06:32.360 damage as I can help you. But Frank Azar or any other personal injury 82 00:06:32.360 --> 00:06:38.680 attorney will not take the case. They won't. They will not do it 83 00:06:39.319 --> 00:06:44.399 based on making someone make payments to him because he's injured. I'm not denying 84 00:06:44.439 --> 00:06:51.199 his injuries. That's just life. It's life. Now, I'm going to 85 00:06:51.279 --> 00:06:57.079 go to Brandon Signally, an attorney at law. Brandon, you are concerned 86 00:06:57.079 --> 00:06:59.560 and emailed us, and I said, Brandon, come on the show man, 87 00:06:59.639 --> 00:07:01.560 Come on the show and tell us what's on your mind and what people 88 00:07:01.600 --> 00:07:04.439 need to look out for. So could you help us out, Brandon, 89 00:07:04.480 --> 00:07:09.000 what's happening that you feel people need to know? Hey, Tom, I 90 00:07:09.000 --> 00:07:13.360 appreciate you having me on Goodmoring, Sir. I am calling to sell on 91 00:07:13.399 --> 00:07:15.639 the alarm. As you know, I've done a lot of landlord tenant law 92 00:07:15.720 --> 00:07:20.800 over the years, and yes, you have something of a specialty of mine. 93 00:07:21.120 --> 00:07:26.959 Right now, there's a bunch of landlord tenant bills that are pending. 94 00:07:27.519 --> 00:07:32.160 The last session they had passed a whole host of them, twelve bills in 95 00:07:32.199 --> 00:07:38.439 fact in this area where there had not been before, and that's been a 96 00:07:38.519 --> 00:07:41.519 problem we've been dealing with. But right now they've got a bill that did 97 00:07:41.560 --> 00:07:45.480 not make it through last session. It got timed out, essentially, but 98 00:07:45.560 --> 00:07:47.959 they're trying to get it past along with some other bills. But this one 99 00:07:48.079 --> 00:07:54.040 is called a just cause eviction bill. They're taking testimony on it right now 100 00:07:54.079 --> 00:07:57.839 at the Capitol. It got out of committee. Is this the particular law 101 00:07:57.879 --> 00:08:01.560 that you're concerned with? Is the just Cause Bill? And it's in the 102 00:08:01.639 --> 00:08:05.959 House and it's commuted committee. I got to go through the House and the 103 00:08:07.040 --> 00:08:11.759 Senate before it gets to the governor. But and what does the just Cause 104 00:08:11.839 --> 00:08:15.040 bill do? Who is it for? Who is it against? What do 105 00:08:15.079 --> 00:08:20.199 you think are the implications? Sure, so it's purportedly to help tenants, 106 00:08:20.480 --> 00:08:24.879 and in the short term, in some of these situations, that certainly will 107 00:08:24.160 --> 00:08:30.519 be beneficial to tenants. The problem I see is ultimately will create problems with 108 00:08:30.680 --> 00:08:35.639 availability of housing because it's going to greatly affect small landlords, your mom and 109 00:08:35.679 --> 00:08:41.799 pop landlords, your single family home availability, which in this market has been 110 00:08:41.240 --> 00:08:46.840 getting bought up by a few companies, and eventually it's just going to be 111 00:08:46.879 --> 00:08:48.840 a few companies that all own all the single family homes and rent them out. 112 00:08:48.919 --> 00:08:52.679 Right, So, Brandon, why tell me what this law does. 113 00:08:52.159 --> 00:08:58.000 Are you saying this law will discourage mom and pops from renting out single family 114 00:08:58.039 --> 00:09:03.360 homes? Absolutely will implode the industry. Time. Here's what it requires. 115 00:09:03.840 --> 00:09:11.240 It basically prevents the parties from agreeing on a move out termination date effectively, 116 00:09:11.440 --> 00:09:18.240 so in most cases, a landlord will be forced to renew a tenant unless 117 00:09:18.240 --> 00:09:22.639 they have just cause to say I want my property back. The just cause 118 00:09:22.799 --> 00:09:28.039 reasons are limited and complicated. They're limited to situations. Wait, wait, 119 00:09:28.080 --> 00:09:31.039 they can't just say I don't want to rent anymore to you, or my 120 00:09:31.519 --> 00:09:35.360 daughter's graduating college, I want to rent to her. That's right, even 121 00:09:35.360 --> 00:09:39.279 if it's at term lease that says it's going to end on a date certain 122 00:09:39.440 --> 00:09:41.159 That's what I'm talking about. I'm not talking about eviction now, we're talking 123 00:09:41.200 --> 00:09:46.840 about renewing a lease. Right, So your month to month tendancies will become 124 00:09:46.840 --> 00:09:50.360 a thing of the past. It would be very difficult because you won't be 125 00:09:50.360 --> 00:09:54.320 able to just agree to a one month and a landlord could never say I'm 126 00:09:54.360 --> 00:09:56.679 done. I need to move on. And so what this puts is this 127 00:09:56.759 --> 00:10:01.200 for apartments too, or just single family homes. It's for apartments too. 128 00:10:01.919 --> 00:10:07.639 Now that's where I say, most apartment complexes can probably manage through this stuff. 129 00:10:07.679 --> 00:10:13.120 It will be very difficult and will cause massive frustration with tenants. And 130 00:10:13.159 --> 00:10:16.399 here's why. Okay, so hold on. So I want to tell people 131 00:10:16.399 --> 00:10:20.639 what we're talking about. It's there are a new law being considered by the 132 00:10:20.840 --> 00:10:26.000 ultraliberal Colorado lawmakers. Who's and the reason I say that yesterday I said that's 133 00:10:26.039 --> 00:10:30.200 a good thing for certain things, and it's a bad thing for certain things. 134 00:10:30.240 --> 00:10:33.000 I said that yesterday. For example, I think that they should take 135 00:10:33.039 --> 00:10:41.480 as much as much effort helping people in Hoa's as they do tenants, because 136 00:10:41.519 --> 00:10:43.879 people in hoa as many are being screwed. But let's talk about this. 137 00:10:45.360 --> 00:10:48.039 Brandon Signeian says, this bill, the just Cause Bill, is basically saying 138 00:10:48.519 --> 00:10:54.840 you must renew a lease unless there is just cause. Not to correct. 139 00:10:54.840 --> 00:10:58.279 The House bill is house built twenty four dish one nine eight twenty four dish 140 00:10:58.320 --> 00:11:03.039 one zero. If anyone wants to look at us, twenty four Dash nine 141 00:11:03.159 --> 00:11:07.559 zero one to eight. Yet twenty four dish ones zero ninety eight. The 142 00:11:11.879 --> 00:11:16.000 just cause, like I said, it would be, for example, if 143 00:11:16.039 --> 00:11:20.679 you are able to prove that they have been habitually laid on payments, if 144 00:11:20.720 --> 00:11:26.000 you're able to prove that they have caused nuisances or causing a nuisance, or 145 00:11:26.039 --> 00:11:31.600 if you're able to prove again that you're trying to move back into your home 146 00:11:31.679 --> 00:11:35.000 or that you live in your home, or you need to do substantial repairs. 147 00:11:35.320 --> 00:11:37.879 Now, if you're going to do substantial repairs and you say, well, 148 00:11:37.919 --> 00:11:41.200 I have to quit you so I can fix the plumbing and I can't 149 00:11:41.200 --> 00:11:45.000 do it with you living here, you have to actually give the tenant ninety 150 00:11:45.080 --> 00:11:48.960 days notice. Then you have to give the tenant all information about the project 151 00:11:48.960 --> 00:11:52.799 you're doing. And then once they move out, you have to give them 152 00:11:52.840 --> 00:11:58.200 the option to move back in. This complicated stuff and how you prove a 153 00:11:58.320 --> 00:12:03.759 nuisance, proved that someone's creating a nuisance, or whatever effectively makes puts pits 154 00:12:03.840 --> 00:12:09.919 everybody against everybody so well branded Basically, whether it's one year, two year, 155 00:12:09.120 --> 00:12:13.759 six month, one month, you can't get rid of them unless you 156 00:12:13.840 --> 00:12:16.360 have just cause. You can't get rid of them unless you have just cost 157 00:12:16.440 --> 00:12:20.559 on non payment would be just cause, right, that would be grounds for 158 00:12:20.600 --> 00:12:26.759 eviction. They've made it very maybe more difficult to get evictions for nonpayment. 159 00:12:26.759 --> 00:12:31.159 But yes, those are so least violations would be available to a landlord. 160 00:12:31.240 --> 00:12:35.519 But this is the problem Tom, This notice to quit process where you say, 161 00:12:35.639 --> 00:12:39.440 on a month to month's senency, you know we're going to be out, 162 00:12:39.039 --> 00:12:41.399 We're I'm going to term it your lease and we have to move on. 163 00:12:41.879 --> 00:12:45.879 Or you have to say, well, I agree to a set term. 164 00:12:46.080 --> 00:12:48.159 We're going to have three hundred and sixty five days and that's it no 165 00:12:48.240 --> 00:12:52.279 more. At that point, I want to move on no longer. Can 166 00:12:52.320 --> 00:12:54.000 you do that? And now you have to look for cause. Now you 167 00:12:54.080 --> 00:12:58.720 have neighbors against neighbors, landlords against you. Hold on, Brandon, I 168 00:12:58.720 --> 00:13:00.600 have to take a break. I want to come back. Can ask if 169 00:13:00.600 --> 00:13:03.279 people can opt out of it? Can you make someone, can you sign 170 00:13:03.360 --> 00:13:05.559 a waiver, disclaimer whatever? And we'll talk about that coming up. Three 171 00:13:05.639 --> 00:13:09.120 oh three seven one three talks seven one three eight two five five. Waterpros 172 00:13:09.120 --> 00:13:13.000 dot net has the best water at the lowest prices. Get your water cleaned 173 00:13:13.039 --> 00:13:18.639 up, microplastics, forever, chemicals, whatever. It's been ridiculous lately. 174 00:13:18.919 --> 00:13:22.840 Fourteen hundred dollars gets you the best drinking water at the kitchen sink. That's 175 00:13:22.960 --> 00:13:33.720 waterpros dot net. Go with a sure thing Denver's best roofer Excel Roofing dot 176 00:13:33.759 --> 00:13:39.440 com. You don't pay a cent until you're content. Time for an insurance 177 00:13:39.519 --> 00:13:43.559 check up free, no obligation. In comparison, call Compass Insurance. Pay 178 00:13:43.639 --> 00:13:48.759 too much your coverage at dozens of insurance companies find out now three oh three 179 00:13:48.879 --> 00:13:52.320 seven to seven to one help. You'll think you're his only customer when you 180 00:13:52.399 --> 00:13:56.559 choose Frank durand the real estate man dot com to list your home with Remax 181 00:13:56.600 --> 00:14:05.000 Alliance three oh three nine two zero sixteen twenty two. I'm Tom Martino. 182 00:14:05.120 --> 00:14:09.240 You're a troubleshooter. We're going to go to the phones right now three oh 183 00:14:09.320 --> 00:14:11.639 three, seven to one to three talk. But I want to ask Brandon 184 00:14:11.679 --> 00:14:16.440 Siglian. Okay, you're a landlord. If this gets passed, and it 185 00:14:16.519 --> 00:14:20.879 probably will, you have to have just cause or you must renew the lease. 186 00:14:22.639 --> 00:14:28.879 So can you put in the lease any special conditions like I agree that 187 00:14:28.960 --> 00:14:31.879 I'm going to leave no matter what if you want me to, or anything 188 00:14:31.960 --> 00:14:39.000 like that. I have an help with Tom. No, parties can't contract 189 00:14:39.080 --> 00:14:43.159 on a date certain no longer if this passes, exceptant. I don't want 190 00:14:43.159 --> 00:14:46.679 to complicate the issue too much, but I said there are a few exceptions, 191 00:14:46.720 --> 00:14:52.399 for example, where the tenant wants to, or the landlord is living 192 00:14:52.399 --> 00:14:56.159 in the same home with the tenant, or if it's short term leases it's 193 00:14:56.240 --> 00:15:01.240 less than thirty days, or an employer employee related access re dwelling a unit 194 00:15:01.320 --> 00:15:05.000 or a tenant it's not, or a person that's never been a tenant less 195 00:15:05.000 --> 00:15:07.480 than nine months in their life. Those are some odd exceptions, but those 196 00:15:07.559 --> 00:15:13.200 are the only exceptions to this right to contract. Do you think it's going 197 00:15:13.279 --> 00:15:16.840 to be passed? Is there any hope of getting it not passed? The 198 00:15:16.840 --> 00:15:22.080 way it looked last session, Tom, is it was going to pass in 199 00:15:22.120 --> 00:15:24.039 the Senate. It timed out at the last minute. They didn't have enough 200 00:15:24.039 --> 00:15:28.759 time to get it up for a vote. But I don't think. I 201 00:15:28.759 --> 00:15:33.000 don't think landlords understand this, Otherwise they might be their lobbying against it, 202 00:15:33.600 --> 00:15:37.600 And we do, Tom. We have started to or they have started organized. 203 00:15:37.639 --> 00:15:41.120 There is some lobbying groups down there today testifying on behalf. There's the 204 00:15:41.159 --> 00:15:43.879 red tell me where people go, Brandon, if they're listening right now, 205 00:15:43.960 --> 00:15:46.879 they want to add their voice. Where do they go? Yeah, if 206 00:15:46.919 --> 00:15:52.120 you want, you're going to want to contact your legislators, your House representatives, 207 00:15:52.120 --> 00:15:54.960 and then your Senate if it gets through. Let them know how you 208 00:15:54.960 --> 00:15:58.879 feel about this. Let Governor Polis know how you feel about this and what 209 00:16:00.039 --> 00:16:03.759 would mean to the industry. You know, if you can't amicably le de 210 00:16:03.879 --> 00:16:08.240 part ways, then everybody's going to be fighting in court to get people out, 211 00:16:08.279 --> 00:16:11.639 and it's just going to make a mess where everybody's going to be angry. 212 00:16:12.240 --> 00:16:15.279 Brandon, Thank you very much. I appreciate that. And uh, 213 00:16:15.399 --> 00:16:22.000 can you give out your number please? Seven two zero nine hundred and four 214 00:16:22.039 --> 00:16:25.000 to seven nine eight. Thanks for having me on, Tom, Thank you 215 00:16:25.399 --> 00:16:29.279 any help efforts people can get the word out. Bring a green button if 216 00:16:29.279 --> 00:16:32.919 you go down to the Capitol today show your support for landmarks. Thank you 217 00:16:33.080 --> 00:16:36.600 appreciate it. Three oh three seven one three talk seven one three eight two 218 00:16:36.639 --> 00:16:41.960 five five. Tom, you're calling about a follow up with mister appliance. 219 00:16:41.000 --> 00:16:52.879 I believe what's going on with you? Tom? Are you there? Tom? 220 00:16:52.960 --> 00:16:56.519 Well? He had a built in Viking refrigerator spent sixty seven dollars in 221 00:16:56.559 --> 00:17:04.319 repairs, and they never they called Promised Appliance who fixed it for forty seven 222 00:17:04.400 --> 00:17:07.279 hundred and ninety four. I said, listen, you got to get your 223 00:17:07.279 --> 00:17:11.519 money back from these people. He just wanted to get the word out. 224 00:17:11.680 --> 00:17:15.079 But he has a follow up. But he's not there. Is that true? 225 00:17:15.119 --> 00:17:18.079 He's not there right now? All right. If he wants to come 226 00:17:18.119 --> 00:17:21.680 back, he can, But I'm going to erase that right now and move 227 00:17:21.720 --> 00:17:25.519 on to Kim. Kim, welcome to the show. What's going on? 228 00:17:25.640 --> 00:17:30.200 Kim? Come? So I sent you guys an email and that's why I'm 229 00:17:30.200 --> 00:17:33.279 on the show. Actually, yeah, I have the email. But what 230 00:17:33.400 --> 00:17:40.039 so what's it all about? Kim? It's South Creek Town Homes, right 231 00:17:40.440 --> 00:17:45.319 So, we are having a meeting on the thirteenth to over what they've come 232 00:17:45.440 --> 00:17:51.240 up with so far for the hell damage. We are each looking at getting 233 00:17:51.240 --> 00:17:55.680 a sustin nowhere between twenty two and twenty five thousand. This is happening all 234 00:17:55.839 --> 00:18:02.319 over all over Colorado. Yes, I know, I know so so far 235 00:18:02.599 --> 00:18:07.599 supposedly, what they've only done is gotten one bid because they said they had 236 00:18:07.599 --> 00:18:11.680 to get it into the insurance company right away. I don't know if they 237 00:18:11.759 --> 00:18:15.039 only need to get one bid or if they should get well, that's up 238 00:18:15.079 --> 00:18:18.960 to you guys. You're all you're all part of it. I think they 239 00:18:18.960 --> 00:18:25.039 should get more than one bid. Okay, Now why is it? Why 240 00:18:25.039 --> 00:18:30.319 are you being assessed so much? Do they not have enough to cover now? 241 00:18:30.599 --> 00:18:33.799 And from what I was told in December because I just moved here a 242 00:18:33.880 --> 00:18:38.279 year ago, is that back in two thousand and eight when everything went bad, 243 00:18:38.920 --> 00:18:45.519 whoever was managing the HOA and stuff, they pretty much Willian Nelly with 244 00:18:45.559 --> 00:18:48.000 the money. So then they were out of money completely. So that well, 245 00:18:48.039 --> 00:18:51.440 listen, listen, I know, okay, listen, I don't. 246 00:18:51.440 --> 00:18:55.319 I'm not a great lover of hoa's, Okay, but this notion that the 247 00:18:55.519 --> 00:19:00.839 ha or Hoa's in general are wasting money or pill for money, it's all 248 00:19:00.920 --> 00:19:06.640 bs. Okay. People are pissed off because they have to pay assessments. 249 00:19:06.960 --> 00:19:10.599 Everyone's paying assessments, even people on the board. No one's getting away with 250 00:19:10.640 --> 00:19:15.119 it. No one likes it. So I don't think I don't eat. 251 00:19:15.119 --> 00:19:18.279 And let's put it this way, do you want to know that the card 252 00:19:18.400 --> 00:19:25.039 truth even if the HOA board, if they were stupid in spending money or 253 00:19:25.119 --> 00:19:27.759 did not collect enough money, you would still have to pay the assessment. 254 00:19:29.079 --> 00:19:33.079 There's no way out of an assessment if it's true. Now, the only 255 00:19:33.119 --> 00:19:37.519 way there would be out of an assessment. The only way out of an 256 00:19:37.519 --> 00:19:42.319 assessment is if the math is wrong or they're cheating you, like they're going 257 00:19:42.359 --> 00:19:48.119 to Tahiti with the money. But other than that, So, what can 258 00:19:48.160 --> 00:19:52.559 I do to help you? What options I'm not trying to get out of 259 00:19:52.599 --> 00:19:56.680 it? I have? Okay, here are your options. If you have 260 00:19:56.720 --> 00:20:03.279 a certain certain homeowners' policies cover lost damage assessment, but you must have it. 261 00:20:03.599 --> 00:20:08.960 It's and again a lot of people think it just unlimits, and it's 262 00:20:10.079 --> 00:20:14.960 unlimited. It's not. Lost damage assessment usually only covers about five grand. 263 00:20:15.079 --> 00:20:18.559 However, there are policies you can get to cover up to thirty grand, 264 00:20:18.920 --> 00:20:22.480 but you have to pay for that coverage. If you don't have it, 265 00:20:22.480 --> 00:20:27.920 it's too late to get it. So if you have it, more power 266 00:20:27.960 --> 00:20:33.599 to you. And those only cover assessments for storms. Some do not cover 267 00:20:33.839 --> 00:20:37.839 roofing. They will cover you up to thirty thousand, but they're small print 268 00:20:37.880 --> 00:20:41.519 that says roofing, they only cover you up to five thousand. So for 269 00:20:41.599 --> 00:20:47.000 anyone with lost damage assessment. The next bit of complaints I'm going to be 270 00:20:47.039 --> 00:20:52.079 getting is that it doesn't cover enough. You have to make absolutely sure it 271 00:20:52.200 --> 00:20:57.920 covers for roofing. So that's why I always recommend Compass Insurance. Give them 272 00:20:57.960 --> 00:21:02.880 a call. They will go over it free of charge with you. And 273 00:21:02.960 --> 00:21:07.039 those are the people I would be using. Three h three nine nine six 274 00:21:07.160 --> 00:21:10.880 nine thousand. Now let's talk about Tom, Tom, Tom, can you 275 00:21:10.920 --> 00:21:12.279 give me a second hairt Yeah, I'm talking to other people too. I 276 00:21:12.319 --> 00:21:15.319 just want you to know I will answer every question you have. But but 277 00:21:15.720 --> 00:21:18.920 we're on the topic and every time someone comes on, I get loads of 278 00:21:19.039 --> 00:21:22.960 questions. That's why I'm going over each and every detail. But go ahead, 279 00:21:22.960 --> 00:21:26.839 I'm sorry, go ahead, okay. So here the situation is this 280 00:21:26.039 --> 00:21:30.200 is that what they're telling us is that if one of the options is is 281 00:21:30.200 --> 00:21:33.119 they'll get a big loan, and with the loan, then we have to 282 00:21:33.160 --> 00:21:37.200 pay the loan off. So let's just say I go ahead and pay my 283 00:21:37.279 --> 00:21:41.920 twenty five thousand dollars towards the assessment. Well, they're telling us that we're 284 00:21:41.920 --> 00:21:45.559 going to have to continue to pay the interest on our HA dues because other 285 00:21:45.599 --> 00:21:49.400 people haven't paid theirs. Okay, well, that would be unfair. In 286 00:21:49.480 --> 00:21:56.799 fact, that would be impossibly unfair if somebody doesn't pay it For the entire 287 00:21:57.079 --> 00:22:00.480 HOA to bear the debt would be ridiculous. I mean, how stupid would 288 00:22:00.519 --> 00:22:07.240 that be if they're going to give people If now, if they charge people 289 00:22:07.599 --> 00:22:11.839 interest, that's different. For example, let me get let me give you 290 00:22:11.880 --> 00:22:15.960 this. If the HOA as in HOA, let's say they have to cover 291 00:22:15.680 --> 00:22:21.720 three hundred thousand dollars in non payments. Okay, Now, let's say they 292 00:22:21.720 --> 00:22:26.640 get a loan for three hundred thousand dollars. What they should do if they 293 00:22:26.680 --> 00:22:30.960 that is an HOA expense for everyone, Okay, the three hundred However, 294 00:22:32.839 --> 00:22:37.519 they then go out to let's say whatever, However many people there are that 295 00:22:37.599 --> 00:22:41.920 didn't pay. They go out and then they those people have to pay back 296 00:22:41.960 --> 00:22:48.839 the HOA with interest to cover that interest. So the HOA isn't making a 297 00:22:48.960 --> 00:22:53.480 profit, but the HOA is not paying for them either, So that would 298 00:22:53.480 --> 00:22:57.839 be there would be nothing wrong with that if that was the case. So 299 00:22:57.960 --> 00:23:02.359 you just have to make sure they're doing it correctly. So let's say, 300 00:23:02.559 --> 00:23:07.720 and I use bad numbers, but let's use these numbers. If three hundred 301 00:23:07.799 --> 00:23:11.720 thousand was not covered. That would be twelve homeowners not making their twenty five 302 00:23:11.759 --> 00:23:18.160 thousand dollars payment. Okay, So if there are twelve homeowners not paying and 303 00:23:18.240 --> 00:23:22.599 you guys take out a three hundred thousand dollars loan, that three hundred thousand 304 00:23:22.640 --> 00:23:29.640 dollars loan is with interest and expense of the HOA, then the HOA would 305 00:23:29.680 --> 00:23:34.119 go out and charge those twelve monthly payments with the same interest to reimburse the 306 00:23:34.279 --> 00:23:38.839 HOA. Does that make sense, Yes, that's the way it works. 307 00:23:40.839 --> 00:23:44.799 I also want to say that our homeowners isn't looking to get leans on our 308 00:23:45.200 --> 00:23:48.240 homeowners so good. Yeah, I mean, I'm not against the ball. 309 00:23:48.359 --> 00:23:53.240 I think I think to be really uncomplicated, they should take out a loan 310 00:23:53.319 --> 00:23:57.039 for the entire deficiency. If they're going to do that, to do it 311 00:23:57.559 --> 00:24:04.559 like they're thinking about makes it very complicated. Okay, but do you you 312 00:24:04.599 --> 00:24:08.279 know it sounds to me like maybe Kim, your HOA is listening. At 313 00:24:08.359 --> 00:24:14.160 least you guys are all talking. Yes, I mean it's I don't have 314 00:24:14.200 --> 00:24:18.039 any quorums about our HOA board members at all, so I'm just trying to, 315 00:24:18.359 --> 00:24:21.160 you know, help us all out and come up with them. My 316 00:24:21.240 --> 00:24:26.160 god, I think, do you know what the entire deficiency is? How 317 00:24:26.160 --> 00:24:30.880 many homeowners are there? Two point six million? Oh? My god? 318 00:24:33.519 --> 00:24:41.359 Oh ouch, two point six million deficiency. Yeah, I mean you have 319 00:24:41.440 --> 00:24:45.920 the email, I said to the email from our South quicktown Homes on what 320 00:24:45.960 --> 00:24:49.519 they're looking at one hundred and eighty four units, and you have to pay 321 00:24:49.559 --> 00:24:56.160 ten percent for the deductible. Wait wait, ten percent of the two point 322 00:24:56.240 --> 00:25:02.559 six I know. So now I don't understand the numbers. So let me 323 00:25:02.599 --> 00:25:06.440 explain the numbers are say and hold on, it can't be. It can't 324 00:25:06.440 --> 00:25:10.240 be two point six can't be the deductible. It can't be. Can't be. 325 00:25:10.400 --> 00:25:12.440 Yeah, they're saying that, Yeah it is. You've got the email. 326 00:25:14.400 --> 00:25:19.440 I the townhomes are worth forty five million, will tell us that we 327 00:25:19.519 --> 00:25:22.119 have to pay it. It would come to ten percent, which is four 328 00:25:22.119 --> 00:25:26.079 point five. Then you go to the depreciation and it comes to two point 329 00:25:26.119 --> 00:25:32.480 six. Okay. I'm not a numbers person, but that's what I've been 330 00:25:32.519 --> 00:25:38.039 told. So it's not just the deductible. They're only paying actual cash value. 331 00:25:38.200 --> 00:25:41.599 You know what. It sounds like this place is very, very, 332 00:25:41.759 --> 00:25:48.079 very mismanaged. But even and here's what I tell people. Here's what this 333 00:25:48.160 --> 00:25:52.440 is an amazing thing. I want to say. Even if an HOA is 334 00:25:52.559 --> 00:25:56.720 mismanaged, Listen carefully, you still owe the money. Even if it's mismanaged, 335 00:25:57.240 --> 00:26:00.839 then you have to go after the ones who miss managed it, and 336 00:26:00.920 --> 00:26:06.880 guess what happens They go bankrupt. So when you're in an HOA, it's 337 00:26:07.000 --> 00:26:11.400 you're in a family. And unless all of you have equal trust. People 338 00:26:11.480 --> 00:26:15.400 don't understand this. Hoa's are putting your trust in everyone else. It is 339 00:26:15.559 --> 00:26:21.279 the worst situation in the world. Based on what I know now about hoas 340 00:26:21.599 --> 00:26:26.160 and management companies, I will never own ever a condo or a town home 341 00:26:26.400 --> 00:26:33.119 in my life ever again. And I believe people in townhomes and condos have 342 00:26:33.279 --> 00:26:37.720 a terrible, terrible investment. It's going to be akin to trailer parks in 343 00:26:37.759 --> 00:26:41.200 the future. That's how bad it's going to be to own one of those. 344 00:26:41.480 --> 00:26:45.480 And I don't care who you are. That's the way it is now. 345 00:26:45.599 --> 00:26:48.559 I don't know what else to tell you, but go ahead. Last 346 00:26:48.640 --> 00:26:55.400 question. We were told that there are only about three companies left in Colorado 347 00:26:56.079 --> 00:27:02.000 that will ensure town homes and condos. Is that almost correct? Yeah? 348 00:27:02.039 --> 00:27:06.960 There might be four or five. Huh okay, if you want the truth, 349 00:27:07.079 --> 00:27:11.640 kim Compass Insurance Group. They do big commercial and they do residential. 350 00:27:12.000 --> 00:27:15.599 They will answer your questions free and they're not going to try to sell you 351 00:27:17.319 --> 00:27:19.839 a I am with them, I'm talking to my agents with them. Why 352 00:27:19.839 --> 00:27:26.160 don't you ask them how many big companies there are ensuring townhomes. They'll tell 353 00:27:26.160 --> 00:27:29.240 you. And by the way, for anyone else who wants honesty three oh 354 00:27:29.319 --> 00:27:36.359 three nine nine six nine thousand more coming right up, Go with a sure 355 00:27:36.440 --> 00:27:40.960 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 356 00:27:41.000 --> 00:27:47.519 you're content. Time for an insurance check up free, no obligation. In 357 00:27:47.599 --> 00:27:52.880 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 358 00:27:52.960 --> 00:27:56.400 find out now three o three seven seven to one help. You'll think you're 359 00:27:56.440 --> 00:28:00.359 his only customer when you choose Frank durand the real estate Man dot com to 360 00:28:00.440 --> 00:28:07.559 list your home with Remax Alliance three oh three nine two zero sixteen twenty two. 361 00:28:07.799 --> 00:28:11.880 Hi Tom Martino here. We got a lot of calls I got to 362 00:28:11.920 --> 00:28:15.960 get to and then we have Dan McKenzie with us and I'm getting some texts 363 00:28:15.000 --> 00:28:19.680 from him for him on some will issues. So Richard's got a question on 364 00:28:19.799 --> 00:28:22.480 non compete agreement. Richard, go ahead, I'm going to get through these 365 00:28:22.480 --> 00:28:26.079 calls quickly, I promised Richard. Go ahead. Hi Tom, thanks for 366 00:28:26.079 --> 00:28:30.720 taking my call. Yes, sir, by the way, let me tell 367 00:28:30.720 --> 00:28:33.799 you why I'm an expert at non competes. My entire broadcast career is filled 368 00:28:33.839 --> 00:28:41.079 with them. Okay, got it. So what do you need to know? 369 00:28:41.960 --> 00:28:45.920 Okay? So I started working for a firm probably fourteen years ago. 370 00:28:47.000 --> 00:28:51.920 About four years ago they made everybody sign and non compete clause and with new 371 00:28:51.960 --> 00:29:00.359 ownership, and I'm reaching pretty close to retirement, and I I have a 372 00:29:00.400 --> 00:29:03.799 difference in the way the company's going. What did the non compete say, 373 00:29:04.079 --> 00:29:08.200 Richard? What did it say? Well, the basic one, you can't 374 00:29:08.880 --> 00:29:12.519 do. I can't do what I do for them for two years and others 375 00:29:12.519 --> 00:29:18.240 for any other company or you know. Let me ask you something is what 376 00:29:18.319 --> 00:29:25.960 you do in management? Yes, well that's okay. Let me just give 377 00:29:25.960 --> 00:29:27.559 you the rundown. I'm not giving you legal advice. I'm telling you as 378 00:29:27.559 --> 00:29:32.480 it pertains to me and how I handle it. I was told and I 379 00:29:32.480 --> 00:29:37.880 can get my attorney on that. Non competes. Non competes. I'm going 380 00:29:37.960 --> 00:29:41.440 to ask Dan McKenzie to stop on too, he's an attorney. But I 381 00:29:41.480 --> 00:29:48.039 was told non competes only deal with management with proprietary information, and if you 382 00:29:48.079 --> 00:29:52.359 go into another industry, obviously you can do that. But also they can't 383 00:29:52.359 --> 00:29:59.200 restrict you from doing regular work ever, and even the ones with management have 384 00:29:59.319 --> 00:30:03.480 to be reasonable in time and scope. They can't say the whole world forever, 385 00:30:03.880 --> 00:30:06.559 and it has to be anyway. Dan weigh in on that. Yeah, 386 00:30:06.640 --> 00:30:10.599 that's exactly right. They I think they're the courts kind of lean against 387 00:30:10.720 --> 00:30:15.480 enforcing them because the obvious reasons that they don't want to have people be not 388 00:30:15.559 --> 00:30:17.839 able to work. I mean, obviously this is your job, this is 389 00:30:17.839 --> 00:30:21.200 what you're an expert in, and so limitating it that way is a problem. 390 00:30:21.279 --> 00:30:23.279 Now they can be enforced, but it is what you just said again, 391 00:30:23.440 --> 00:30:26.759 mainly management. Nobody's going to enforce it against the worker. What kind 392 00:30:26.759 --> 00:30:33.920 of management do you do? Well, I covered the West region and they 393 00:30:33.920 --> 00:30:40.119 gave me the title. But ordinary management it has to have proprietary stuff. 394 00:30:41.720 --> 00:30:45.559 Yeah, no, I mean there's the prietary within their company. I mean 395 00:30:45.880 --> 00:30:49.200 their own clients that they have and clients that I've gotten for them. But 396 00:30:51.599 --> 00:30:55.000 and you can and you can never even if you didn't have an non compete, 397 00:30:55.000 --> 00:30:56.880 if you go after the clients, they could try to get you on 398 00:30:56.920 --> 00:31:00.799 that. But mainly here they can restrict you from clients. But what I 399 00:31:00.839 --> 00:31:04.880 want to know is this, what is the scope of that non compete? 400 00:31:06.119 --> 00:31:11.359 Two years? Two years? Yes, what's the geographic area? Well, 401 00:31:11.400 --> 00:31:15.440 I'm in the West region from Colorado to Hawaii? Basically did they say that 402 00:31:15.680 --> 00:31:23.839 Colorado to WAYI or do they say any company they said? Well, I 403 00:31:23.839 --> 00:31:30.119 mean I cannot work for another consulting firm within the expertise that I have. 404 00:31:30.680 --> 00:31:37.200 What expertise do you have? Elevator consultant? I don't see how they can 405 00:31:37.240 --> 00:31:41.119 restrict that. I don't see how they can. But that's just me talking 406 00:31:41.480 --> 00:31:47.519 Dan. What possibly do you know that's proprietary that your company consults people with, 407 00:31:47.920 --> 00:31:52.200 like certain techniques or certain procedures that other companies wouldn't. How first of 408 00:31:52.240 --> 00:31:56.000 all, I don't even know what an elevator consultant does. I mean to 409 00:31:56.079 --> 00:32:01.880 me just as as an aside, here, consultants, most consultants, you 410 00:32:01.920 --> 00:32:07.160 know, consult about things that people couldn't figure out themselves. Do you tell 411 00:32:07.160 --> 00:32:08.799 people that the elevator goes up and down? Or what? What do you 412 00:32:08.880 --> 00:32:15.480 do? Well? I make recommendations like going and make sure that the elevator 413 00:32:15.519 --> 00:32:20.359 companies are doing what are contractually obligated to do. If I never dreamed you 414 00:32:20.400 --> 00:32:22.880 would need a consultant for that. But that's cool. I don't see anything 415 00:32:22.960 --> 00:32:27.880 what is proprietary. I mean, you can go out and work for an 416 00:32:27.880 --> 00:32:30.319 elevator. I mean, I don't even see how the hell they can say 417 00:32:30.359 --> 00:32:36.960 that's what's proprietary. Nothing, there's nothing proprietary and what to do there? 418 00:32:37.279 --> 00:32:40.119 I think they're overreaching, But that's my my amateur you know, kind of 419 00:32:40.319 --> 00:32:44.559 look at this. Yeah, I mean that's like saying, Okay, they 420 00:32:44.599 --> 00:32:46.279 tried to do that and broadcast. You can't. You can't. You can't 421 00:32:46.279 --> 00:32:50.559 be a reporter, well, bull crap. I can't be a reporter, 422 00:32:50.920 --> 00:32:53.799 you know. I mean unless there's something or you can't be a talk show 423 00:32:53.839 --> 00:32:59.039 host. Unless there's something proprietary, they can't keep you from doing it. 424 00:33:02.319 --> 00:33:07.599 Go with a sure thing Denver's Best Rufer excel roofing dot com. You don't 425 00:33:07.599 --> 00:33:14.559 pay a cent until you're content. Time for an insurance check up free no 426 00:33:14.680 --> 00:33:20.599 obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies 427 00:33:20.680 --> 00:33:23.119 find out now three oh three seven seven to one help. You'll think you're 428 00:33:23.160 --> 00:33:28.039 his only customer when you choose Frank durand the real estate man dot com to 429 00:33:28.119 --> 00:33:36.839 list your home with Remax Alliance three oh three nine two zero sixteen twenty two. 430 00:33:38.119 --> 00:33:44.960 Hi Tom Martino, you're troubleshooter three O three seven one three talks seven 431 00:33:45.039 --> 00:33:52.519 one three eight two five five. Okay, Now who do I have here? 432 00:33:52.559 --> 00:33:55.880 I have follow ups? I have I have Richard, and Richard has 433 00:33:55.880 --> 00:34:00.359 that non compete. I have some more information Richard. Okay, consulted some 434 00:34:00.559 --> 00:34:07.679 legal stuff off the air. Okay, listen carefully that you have to have 435 00:34:07.719 --> 00:34:13.360 trade secrets. It has to be reasonable. You must have been given consideration 436 00:34:13.519 --> 00:34:15.880 for those two years. Did they give you a raise or pay you for 437 00:34:15.920 --> 00:34:23.280 that? No? Okay? Also did they train you? Especially? They 438 00:34:23.360 --> 00:34:28.840 might want to recover some expenses if the new company that had you signed did 439 00:34:28.880 --> 00:34:32.000 that. And I'm telling you you can talk to an employment attorney, but 440 00:34:32.039 --> 00:34:36.519 I don't think they can enforce it, go with a sure thing Denver's Best 441 00:34:36.599 --> 00:34:39.599 roofer Excel Roofing dot com. You don't pay a cent until you're content. 442 00:34:44.000 --> 00:34:46.559 Time for an insurance check up free, no obligation. In comparison, call 443 00:34:46.679 --> 00:34:52.679 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 444 00:34:52.679 --> 00:34:55.559 three oh three seven seven to one help. You'll think you're his only customer 445 00:34:55.559 --> 00:35:00.239 when you choose Frank durand the real estate Man dot com to list your home 446 00:35:00.400 --> 00:35:10.679 with Remax Alliance three all three nine two zero sixteen twenty two. Y'all rita 447 00:35:10.920 --> 00:35:19.559 you need so you don't have come running just as fast as we can. 448 00:35:20.880 --> 00:35:28.000 Shooter's gonna help come Man Dix. He is the Troubleshooter Show. No Tom 449 00:35:28.039 --> 00:35:34.519 Martino, Hi Tom Martino, Your Troubleshooter three oh three seven one three talk 450 00:35:35.800 --> 00:35:39.239 seven one three eight two five five. Welcome to the show. We have 451 00:35:39.360 --> 00:35:43.920 a lot to talk about today, so I better get to the calls. 452 00:35:44.320 --> 00:35:49.639 And I think Richard is done right. I've told Richard everything he needs to 453 00:35:49.679 --> 00:35:51.920 know. If he has another question, I'll take him. But I think 454 00:35:51.960 --> 00:35:53.920 he's done. I want to move on. I'm Tom Martino. Dan McKenzie's 455 00:35:53.920 --> 00:36:00.920 with us COO Plans dot Co. He is with Dan McKenzie mackenzie Law firm 456 00:36:01.239 --> 00:36:08.840 for estate planning. And also I have Linda and Dean on from yesterday. 457 00:36:08.880 --> 00:36:15.000 I'd like to talk to and Linda and Dean. Did they send us a 458 00:36:15.039 --> 00:36:22.480 picture yet of their unit? That's a little difficult, but I was able 459 00:36:22.559 --> 00:36:24.960 to get one off of the internet and am but how do we know it's 460 00:36:25.039 --> 00:36:30.119 okay? Did you get one that had a pedestal? Yes? Did you 461 00:36:30.199 --> 00:36:34.000 send it to me? I will do so right now, okay, And 462 00:36:34.079 --> 00:36:37.519 until I get that, let me move on. I'll Linda and Dean hang 463 00:36:37.559 --> 00:36:38.760 on. I'll get right back to you, okay, dear, just hang 464 00:36:38.800 --> 00:36:43.679 on. I'm going to go to Sherry. Sherry, what's going on with 465 00:36:43.800 --> 00:36:50.320 your apartment deposit? Sherry? Okay? Yes, Well, my daughter and 466 00:36:50.360 --> 00:36:59.639 I are got involved in a lease, a six month lease in Wyoming Larmie. 467 00:37:00.079 --> 00:37:07.800 We secured the apartment in July of twenty three, but the lease was 468 00:37:07.840 --> 00:37:13.320 to start the first of August. Okay, so okay, that's fine, 469 00:37:13.400 --> 00:37:15.840 it doesn't matter. That's what matters. So you signed the lease to start 470 00:37:15.880 --> 00:37:22.039 August first, yes, okay. My daughter moved in, which they understood 471 00:37:22.119 --> 00:37:27.280 she would not move intil rusby the eleventh. It doesn't matter, None of 472 00:37:27.320 --> 00:37:32.000 that matters, okay, all right, And so then the lease was to 473 00:37:32.079 --> 00:37:37.039 go to January first, which then she was paid up through the end of 474 00:37:37.159 --> 00:37:42.239 January of this year twenty four So when in August did she move in? 475 00:37:44.079 --> 00:37:49.440 She moved in on the eleventh. But when was it effective the first Yes, 476 00:37:50.360 --> 00:37:52.480 so August, September, October, November, December, January. So 477 00:37:52.519 --> 00:37:58.280 it was a six month lease, got it. Yes, This allowed them 478 00:37:58.440 --> 00:38:02.119 to also have extra to get their persducts. So now, what what's going 479 00:38:02.159 --> 00:38:07.360 on now? They were it was up in January. What's going on? 480 00:38:07.320 --> 00:38:13.559 Well, and my daughter turned the key over the twenty fifth of January. 481 00:38:14.280 --> 00:38:20.760 But it was roughly on the fourth of January that they notified my daughter, 482 00:38:20.880 --> 00:38:25.599 who then in turn told me we needed to pay another month's rent because she 483 00:38:27.440 --> 00:38:31.880 my daughter, after she graduated in December, asked if there was a possibility 484 00:38:32.079 --> 00:38:37.480 or a need to stay longer, would they agree to a month to month 485 00:38:37.320 --> 00:38:42.920 Okay? So they said yes. There was no contract for a month to 486 00:38:43.000 --> 00:38:51.159 month, nothing in writing. My daughter then got hired on. She applied, 487 00:38:51.920 --> 00:38:55.559 went through interviews to come back to Colorado, cherry, Cherry, I 488 00:38:55.559 --> 00:39:00.360 don't need to know any of that. What you're saying, is they that 489 00:39:00.519 --> 00:39:06.239 inquiry as a request to extend the lease. Is that right? That's my 490 00:39:06.440 --> 00:39:09.840 understand Yes. Well did they get that in writing or did they just talk 491 00:39:09.880 --> 00:39:16.480 about it? Okay? So the lease does not say you have to let 492 00:39:16.559 --> 00:39:22.159 us know if you're extending or not you must let us know. The lease 493 00:39:22.360 --> 00:39:28.679 automatically terminates. It has no wording in it whatsoever that it reverts unless she 494 00:39:28.800 --> 00:39:35.280 lets them know. Because let me tell you why. There are some leases. 495 00:39:35.719 --> 00:39:40.119 Listen carefully, please, there are some leases that say this goes to 496 00:39:40.280 --> 00:39:46.079 January thirtieth or thirty first, whatever, it goes to January, and unless 497 00:39:46.119 --> 00:39:51.880 you notify us that you're leaving, it will automatically revert month to month. 498 00:39:54.239 --> 00:39:59.119 Okay, So what does it say. It's all going to be a matter 499 00:39:59.239 --> 00:40:05.599 of contract. So if they don't have any clause in there whatsoever where she 500 00:40:05.760 --> 00:40:10.960 had to let them know her intention, then she simply needs to sue them 501 00:40:10.960 --> 00:40:16.000 in small claims court for the deposit. Well, it's not just a closet, 502 00:40:16.199 --> 00:40:22.039 because the roughly the fourth of January, I'd have to look at more 503 00:40:22.079 --> 00:40:25.360 people where she's not a home. You mean the fourth of February, you 504 00:40:25.440 --> 00:40:31.639 said, well, no, January, Okay, good January. She was 505 00:40:31.760 --> 00:40:37.360 notified by another tenant who is the daughter to the owner of the property. 506 00:40:37.920 --> 00:40:45.840 She was notified my daughter that she was laid on her payment, which was 507 00:40:45.000 --> 00:40:53.639 not true because in the beginning we paid first last month and deposit in one 508 00:40:53.679 --> 00:41:00.119 big check. Okay. So they were saying she was late on paying her 509 00:41:00.920 --> 00:41:05.119 for rent. And this is I'll tell you why, Okay, Sherry. 510 00:41:05.960 --> 00:41:10.079 They're saying that because they did not believe it ended at the end of January, 511 00:41:10.920 --> 00:41:16.239 so they did not consider it the last month. Listen. Without seeing 512 00:41:16.280 --> 00:41:21.159 that, without seeing that lease, we can't tell you any more than that 513 00:41:21.159 --> 00:41:27.400 that landlord. That landlord is contending that she had more than a six month 514 00:41:27.519 --> 00:41:30.400 lease, that it continued after that unless she let them know. That's what 515 00:41:30.440 --> 00:41:36.159 they're saying. And you're saying, no, it ended, and therefore you 516 00:41:36.280 --> 00:41:39.000 wanted them to use the last month rent from your last month payment, which 517 00:41:39.039 --> 00:41:43.800 they should, but they're not considering it the last month. It's pretty clear 518 00:41:43.840 --> 00:41:49.039 that you two have a very clear misunderstanding, and that's why I'm going to 519 00:41:49.079 --> 00:41:53.079 say this again. You have to go to the original lease and carefully analyze 520 00:41:53.400 --> 00:42:00.119 the termination clause and then you sue them in Small Thames Court for whatever they 521 00:42:00.159 --> 00:42:02.719 collected from you. I don't know what they're keeping, I mean right now, 522 00:42:04.199 --> 00:42:07.199 what are they doing? She's out? What are they coming after her 523 00:42:07.199 --> 00:42:12.760 for? Well, they have it come after for a meaning they're withholding. 524 00:42:13.000 --> 00:42:16.519 So it's what are they withholding? They should withhold on. You already paid 525 00:42:16.559 --> 00:42:21.920 the first month and you paid the last month, right or did she did? 526 00:42:21.960 --> 00:42:27.840 She get scared and paid January twice? I paid it again thinking it 527 00:42:27.960 --> 00:42:30.320 was for February if she needed to be in this Okay, Well, then 528 00:42:30.360 --> 00:42:35.760 you guys, in my opinion, you extended the lease by doing that. 529 00:42:35.800 --> 00:42:38.280 You've in has since told them you're extending the lease. So what are they 530 00:42:38.280 --> 00:42:43.559 withholding from you right now? Exactly? What are they withholding? Well, 531 00:42:44.079 --> 00:42:52.199 the the eight and seventy five for rent one month and then because they're going 532 00:42:52.239 --> 00:42:58.719 to get someone in there to shampoo, but they're going to take a third 533 00:42:59.079 --> 00:43:02.280 of her eighth seven twenty five depontits. So I got it, okay, 534 00:43:02.360 --> 00:43:07.880 I get it. So really in dispute right now. I think they're being 535 00:43:07.960 --> 00:43:12.400 fair by cleaning the carpets and giving back the rest of the eight seventy five. 536 00:43:12.840 --> 00:43:15.519 The only thing at dispute right the only thing in dispute right now is 537 00:43:15.559 --> 00:43:21.199 whether or not you owe for March. I think you sent them mixed signals. 538 00:43:21.440 --> 00:43:25.760 Here's why she inquired about extending in December, and then you went ahead 539 00:43:25.760 --> 00:43:32.239 and paid for March. You should have said on January fourth when they wanted 540 00:43:32.239 --> 00:43:37.960 the rent, no, you have the last month's rent and we're not staying. 541 00:43:37.239 --> 00:43:43.559 But you didn't. You paid the rent and you assumed it was for 542 00:43:43.840 --> 00:43:47.280 whatever you assumed. I don't know what you assumed, but you gave miss 543 00:43:47.320 --> 00:43:51.920 mixed signals. It's not as black and white as you think it is. 544 00:43:52.280 --> 00:43:55.920 I'm telling you that from an objective viewpoint. Here. Now, am I 545 00:43:57.039 --> 00:44:00.519 thinking that they should keep your money? No, not necessarily, But it's 546 00:44:00.599 --> 00:44:07.000 not as cut and dry as you said. You said the lease clearly ended 547 00:44:07.280 --> 00:44:10.679 in January or at the end of January, and if it did, then 548 00:44:10.760 --> 00:44:15.960 she should have simply said to them, no, we're not paying for January. 549 00:44:15.039 --> 00:44:19.960 You already collected for it. Instead, you wrote them another check. 550 00:44:20.360 --> 00:44:25.360 So they're thinking, Okay, she does want to extend. Okay, that 551 00:44:25.440 --> 00:44:29.840 makes sense. So what you have to say to them is there was a 552 00:44:29.880 --> 00:44:34.880 misunderstanding she didn't stay for February. Listen, this is going to be a 553 00:44:34.880 --> 00:44:38.800 battle. But the lease will say at all. If the lease does not 554 00:44:39.079 --> 00:44:46.320 require any kind of a notice, then I would take them again to small 555 00:44:46.320 --> 00:44:52.360 claims court and I would sue for the balance that they kept. That's what 556 00:44:52.400 --> 00:44:55.280 I would do. I would leave the carpet cleaning alone. I wouldn't get 557 00:44:55.320 --> 00:44:59.719 into the weeds there. I'm Tom Martine three three seven to one to three 558 00:44:59.760 --> 00:45:04.239 talk seven one three eight two five five Frank durand the real estate Man dot 559 00:45:04.239 --> 00:45:07.800 com. Listen, Frank, how do I put this? He's the best. 560 00:45:07.840 --> 00:45:09.119 That's all there is to it. Okay, he puts more money in 561 00:45:09.159 --> 00:45:12.719 your pocket, and he does it quicker than anyone. That's what he does. 562 00:45:12.880 --> 00:45:15.119 Bottom line. If you call Frank, he'll do a free analysis of 563 00:45:15.159 --> 00:45:17.679 your home, what it will sell for, what you'll clear, and what 564 00:45:17.719 --> 00:45:22.679 you can buy and all of that is complementary. Three oh three nine two 565 00:45:22.800 --> 00:45:31.800 zero steam twenty two durand the real estate Man dot com. Go with a 566 00:45:31.840 --> 00:45:36.840 sure thing, Denver's best roofer Excel Roofing dot com. You don't pay a 567 00:45:36.960 --> 00:45:44.199 cent until you're content. Time for an insurance check up free, no obligation. 568 00:45:44.239 --> 00:45:47.679 In comparison, call Compass Insurance paying too much your coverage at dozens of 569 00:45:47.719 --> 00:45:52.679 insurance companies find out now three oh three seven seven to one help. You'll 570 00:45:52.719 --> 00:45:55.559 think you're his only customer when you choose Frank durand the real estate Man dot 571 00:45:55.559 --> 00:46:06.880 com to list your home with Remax Alliance nine two zero sixteen twenty two. 572 00:46:07.239 --> 00:46:12.480 Hi Tom Martine, your troubleshooter three oh three seven one three talks seven one 573 00:46:12.519 --> 00:46:17.199 three eight two five five. Glynda and Dean called. They're a couple in 574 00:46:17.239 --> 00:46:21.280 their nineties. They moved from one apartment to another and they think they got 575 00:46:21.320 --> 00:46:23.760 screwed by the mover and it's probably too late to do anything about it. 576 00:46:23.800 --> 00:46:28.559 They paid more than was promised. But what they're really upset about. One 577 00:46:28.559 --> 00:46:35.880 of their main problems they talked about was he broke their their bows acoustic wave 578 00:46:36.079 --> 00:46:42.519 radio with CD player and pedestal and remote. So, Linda and Dean, 579 00:46:43.760 --> 00:46:45.960 when you say it's broken, I just want to explore this for a minute. 580 00:46:47.079 --> 00:46:52.039 It just doesn't turn on at all, or what what's going on? 581 00:46:52.159 --> 00:46:55.880 No, it does not turn on and it makes no shown whatsoever. Oh 582 00:46:55.960 --> 00:47:01.880 girl, it's the whole inside when they apparently when it was dropped when they 583 00:47:01.920 --> 00:47:07.960 were loading it. They must have dropped it because the base got all cracked 584 00:47:07.679 --> 00:47:13.960 and the components inside the radio are all along. Okay, wrong, I 585 00:47:14.000 --> 00:47:20.360 mean, I'll talk to two regio repair men. They said, very repairable. 586 00:47:21.159 --> 00:47:30.239 Okay, okay, So I want you to leave your address with Kachina 587 00:47:30.320 --> 00:47:38.079 here and we're going to send you on. And they don't make them brand 588 00:47:38.159 --> 00:47:45.000 new, but we can find a refurbished one. Okay, yeah, okay, 589 00:47:45.039 --> 00:47:47.119 So let me repeat to my husband. He can find a refurbished one 590 00:47:47.119 --> 00:47:55.639 because they don't make him anymore, won't models? Right? Yes, but 591 00:47:55.719 --> 00:48:01.760 I can find one just like it, a beige with a pedestal. Yep, 592 00:48:02.079 --> 00:48:09.199 Yes, we can find one. And by the way, we just 593 00:48:09.239 --> 00:48:13.280 want to do this for you because we feel bad for you, and I 594 00:48:13.320 --> 00:48:19.039 don't think we'll get anything from that crappy moving company. Oh may I say 595 00:48:19.119 --> 00:48:25.679 something? Yes, we still see the picture of the new radio from both 596 00:48:27.519 --> 00:48:31.840 and they look the same exactly. Well it's not, but okay, okay, 597 00:48:32.199 --> 00:48:37.679 So how much is the new one from Bose? There was a fifteen 598 00:48:37.840 --> 00:48:44.880 hundred. Yeah, so this one that you have, how old is it? 599 00:48:46.280 --> 00:48:52.960 It? Was guided in nineteen ninety seven. It's been in wonderful condition 600 00:48:52.119 --> 00:48:58.559 all these years. We cherished that radio. Okay, listen, I can't 601 00:48:58.599 --> 00:49:00.480 promise you. I mean, I'll look at the new one. But here's 602 00:49:00.519 --> 00:49:05.760 the problem with that. I don't think it's going to have the same simple 603 00:49:05.840 --> 00:49:09.280 functionality as your other one with the CD player. I mean, I hesitate 604 00:49:09.360 --> 00:49:14.320 to get you something. They're just not making that radio anymore, and I 605 00:49:14.440 --> 00:49:19.480 hesitate to give you, guys in your nineties, something brand spanking new that 606 00:49:19.559 --> 00:49:22.599 you haven't had before. I mean, I'm not saying you're stupid. You're 607 00:49:22.639 --> 00:49:27.280 not. But if you want to replace exactly what you have, that wouldn't 608 00:49:27.320 --> 00:49:30.679 be difficult. In fact, it'll be much newer than the one you have, 609 00:49:30.800 --> 00:49:35.159 but it won't be the brand new one with the MP three and all 610 00:49:35.199 --> 00:49:37.480 of that. I mean, I'm just that, That's all I'm saying. 611 00:49:37.800 --> 00:49:43.000 So you guys think over it. I replied to what you just said. 612 00:49:43.519 --> 00:49:47.800 Okay, go ahead, sir. We don't expect to have that radio re 613 00:49:49.400 --> 00:49:54.760 as such because they don't make anymore. They make a different version, right, 614 00:49:55.119 --> 00:50:00.280 Okay, Okay, even though it's no like the same puts a different 615 00:50:00.400 --> 00:50:07.519 version and they're not really looking to replace it one percent. No, well, 616 00:50:07.519 --> 00:50:10.280 we want to buy you one. We will get you a really nice 617 00:50:10.280 --> 00:50:15.199 one, a really nice one, like totally refurbished. But that's up to 618 00:50:15.239 --> 00:50:19.360 you. You guys decide if you want that or not. And we'd like 619 00:50:19.480 --> 00:50:23.039 to do that for you because just because, okay, I feel bad for 620 00:50:23.079 --> 00:50:28.199 you that you got taken advantage of. I think it's terrible that you were 621 00:50:28.239 --> 00:50:32.320 taken advantage of. But again, we uh, we want to do this. 622 00:50:32.719 --> 00:50:37.760 Then we want to help you. Like the cuckoo clock, man, 623 00:50:37.800 --> 00:50:42.239 there's nothing we can do about that. That's an expensive thing. You're sure 624 00:50:42.280 --> 00:50:45.239 that they picked up a cuckoo clock for you, right? That was a 625 00:50:45.360 --> 00:50:50.639 seven foot clock they took and never delivered it. No, it was not 626 00:50:50.800 --> 00:50:57.039 a seven foot clock. It was a probably one and a half to two 627 00:50:57.039 --> 00:51:01.159 feet high. Oh okay, now that was vintage though. That was an 628 00:51:01.199 --> 00:51:07.599 antique right? No? No, not empty, No, it wasn't. 629 00:51:07.159 --> 00:51:12.039 Are they available? Are they? Have you looked for replacements on those? 630 00:51:12.119 --> 00:51:17.119 If you want to go after this, mover sure available in Germany. You 631 00:51:17.239 --> 00:51:28.239 can read on the website how much about six dollars? Okay? Can you 632 00:51:29.039 --> 00:51:31.119 can you try to send me a link on that or where I can find 633 00:51:31.159 --> 00:51:42.760 it, a link of prequel clock where we can find it. Well, 634 00:51:42.880 --> 00:51:45.280 yeah, well we'll have to send it to you, but I eventually I 635 00:51:45.320 --> 00:51:49.519 will need where to send it. Tom. That's not only the issue, 636 00:51:49.559 --> 00:51:52.280 but you know, since that this all happened, this guy moved us. 637 00:51:53.559 --> 00:51:59.119 We've been in touch with the Attorney general. Yes, good, Secretary of 638 00:51:59.199 --> 00:52:04.119 State, the better, good good, and nobody seems to be able to 639 00:52:04.159 --> 00:52:07.119 do anything. They just know. Hold on, hold on, what when 640 00:52:07.199 --> 00:52:10.840 you say they're not able to do anything, that's exactly right. They're not 641 00:52:10.880 --> 00:52:15.719 going to go after them and sue them or do anything because they're just no 642 00:52:15.760 --> 00:52:19.760 one is equipped to do that directly. What they do is I mean? 643 00:52:20.400 --> 00:52:24.599 And and unless they got multiple complaints, they won't go after him for fraud. 644 00:52:24.880 --> 00:52:29.280 You don't have proof. Here's the problem. We have none. None 645 00:52:29.320 --> 00:52:31.760 of this. We do we have proof about I'm gonna have one of our 646 00:52:31.800 --> 00:52:37.880 people call. I'll have I'll have Uh, let's see if is dollar in 647 00:52:37.920 --> 00:52:44.320 the studio today? Let's let's have you call over to the mover and pressure 648 00:52:44.360 --> 00:52:45.639 them. Is he in the studio or not? Is he? Yes? 649 00:52:45.719 --> 00:52:51.559 Yeah? Hold on, We're gonna have one of our people call and then 650 00:52:51.599 --> 00:52:55.480 we'll make every attempt to replace that CD with a better one that has the 651 00:52:55.519 --> 00:53:01.480 same kind of functionality and can it would be really really good. I know 652 00:53:01.559 --> 00:53:05.920 they don't if they could just snap a picture of that. If not, 653 00:53:06.119 --> 00:53:09.679 I understand. But anyway, three oh three seven, one, three eight 654 00:53:09.800 --> 00:53:15.880 two five five, Deputy Chopper has some follow ups. Let's take at least 655 00:53:15.920 --> 00:53:20.880 one right now before the break. Chopper, what's going on? Do you 656 00:53:20.920 --> 00:53:23.360 have your diner ready? Yeah? Oh yeah, I'm gonna get my dinger 657 00:53:23.400 --> 00:53:28.639 ready. Tell me why? Well, you remember, I think it was 658 00:53:28.719 --> 00:53:34.639 last week we got a call on the North Washington Dental. They owe a 659 00:53:34.679 --> 00:53:39.679 couple three and twenty five dollars I yeah, the office manager. Yeah, 660 00:53:39.760 --> 00:53:44.119 and they promised they would stand it out. Well guess what they did. 661 00:53:44.159 --> 00:53:50.840 What's it? So? Did they get the money? Yes, they got 662 00:53:50.840 --> 00:53:58.400 the money from uh North Washington Dentalds and everything's okay. Yes, sir, 663 00:53:58.599 --> 00:54:00.239 you got the dinger. We have more are coming right up. Hold on 664 00:54:04.719 --> 00:54:07.960 go with a sure thing Denver's best roofer Excel roofing dot com. You don't 665 00:54:08.000 --> 00:54:15.960 pay a cent until you're content. Time for an insurance check up free no 666 00:54:15.039 --> 00:54:20.960 obligation. In comparison, call Compass insurance paying too much your coverage at dozens 667 00:54:21.000 --> 00:54:23.679 of insurance companies find out now three oh three seven seven to one. Help. 668 00:54:23.840 --> 00:54:28.400 You'll think you're his only customer when you choose Frank durand the real estate 669 00:54:28.440 --> 00:54:31.880 man dot com to list your home with Remax Alliance three oh three nine two 670 00:54:31.960 --> 00:54:43.800 zero sixteen twenty two. Hi, Tom Martino, your trouble shooter. Three 671 00:54:43.880 --> 00:54:47.840 oh three seven one three talk three oh three seven one three eight two five 672 00:54:49.039 --> 00:54:55.280 five. Let's talk whatever is on your mind. Let's do what it takes 673 00:54:57.039 --> 00:55:00.440 to make your life a little easier. We have Dan mc with us. 674 00:55:00.440 --> 00:55:02.800 I have a question Dan Dan McKenzie, by the way, he is an 675 00:55:02.800 --> 00:55:07.480 attorney at law that does the state planning. And someone wants to know if 676 00:55:07.519 --> 00:55:12.880 they have a trust, do they also need a will? I think they 677 00:55:12.920 --> 00:55:15.880 do right? Or what you should have a will? What does the will 678 00:55:15.920 --> 00:55:19.559 do? The will directs anything that's not in the trust, and usually there's 679 00:55:19.559 --> 00:55:22.880 at least a few things outside the trust that need some you know, like 680 00:55:22.920 --> 00:55:25.280 your cars usually are not in the trust. But if you did have a 681 00:55:25.320 --> 00:55:29.239 complete trust, you would say in the will see the trust, right, 682 00:55:29.280 --> 00:55:31.480 that's pretty much always what it says. Yeah, sake, anything that was 683 00:55:31.480 --> 00:55:34.559 not in the trust when I passed away, put it in the trust, 684 00:55:34.679 --> 00:55:37.679 not the trust directory it goes. That's kind of a backup. But when 685 00:55:37.719 --> 00:55:39.320 you have a trust, you're trying to put stuff in as much as you 686 00:55:39.440 --> 00:55:43.440 can in the trust during your lifetime. Somebody else has a question. We'll 687 00:55:43.440 --> 00:55:46.280 get to on privacy. You can be thinking about that. That's Seal Plans 688 00:55:46.320 --> 00:55:51.920 dot Co Dan McKenzie. Let's go back to Chopper. He got money back, 689 00:55:52.119 --> 00:55:55.400 man, a lot of money back. That's wonderful, Deputy Chopper that 690 00:55:55.440 --> 00:56:00.880 you got that money back for that guy. It was Anthony believe. And 691 00:56:00.159 --> 00:56:05.800 so tell me what else is going on, sir, Well, I want 692 00:56:05.800 --> 00:56:09.480 the listeners to know how good you're referral list. If I have a shout 693 00:56:09.480 --> 00:56:15.000 out, can I give it? Tom? Yeah? Absolutely, Okay. 694 00:56:15.199 --> 00:56:21.760 I had a like a baseball sized dent on a car, got two quotes 695 00:56:22.199 --> 00:56:24.320 in Parker, and then I realized, hey, we probably have someone. 696 00:56:24.800 --> 00:56:30.360 I checked our referral list and we have Rocky Mountain Dent Service. Yes, 697 00:56:30.440 --> 00:56:36.280 I went down there. These people are craftsmen. They're the nicest three guys 698 00:56:36.360 --> 00:56:38.960 I've ever had work on my car. They did a great job, Tom 699 00:56:39.480 --> 00:56:43.840 Good. That's good to know. Man, that's really good. Okay, 700 00:56:44.119 --> 00:56:46.119 any other updates or follow up or if you have time, all right, 701 00:56:46.199 --> 00:56:52.039 go ahead. I have one Mark. Yes, remember last week we had 702 00:56:52.119 --> 00:56:58.360 a almost two calls in a row on choice homew warranty on refrigerators. God, 703 00:56:58.400 --> 00:57:01.360 I can't stand home warranty. Yeah, what about it? I know 704 00:57:02.000 --> 00:57:06.159 I noticed that. Well, the first one did get a credit card and 705 00:57:06.239 --> 00:57:09.199 the second one after they were on our show and I poked the bear, 706 00:57:09.719 --> 00:57:15.119 the repair guy did go on out and ordered parts. So I guess they're 707 00:57:15.360 --> 00:57:20.519 living up to their well so far there. Let's see if they actually fix 708 00:57:20.599 --> 00:57:23.079 it. So thank you for that though, And I'm going to withhold my 709 00:57:23.199 --> 00:57:28.320 dinger until we see if they actually fix it. That's Deputy Chopper. And 710 00:57:28.360 --> 00:57:31.360 then of course we have and we have no I'm not doing the dinger right 711 00:57:31.360 --> 00:57:35.199 now, so Deputy I just put the dinger away. That's what that was, 712 00:57:35.280 --> 00:57:38.039 right, okay. And then we have a Deputy Doc and Deputy Dollar. 713 00:57:38.079 --> 00:57:43.280 We have them all on duty today. All right. Now, let's 714 00:57:43.280 --> 00:57:49.960 go to that follow up with Ernest. Ernest has a follow up, and 715 00:57:50.880 --> 00:57:54.519 you have a Chevy Equinox you're calling about. So this was Red Automotive. 716 00:57:54.679 --> 00:57:59.280 I remember this, Earnest. Let me go to your call here, and 717 00:57:59.519 --> 00:58:06.239 it's a two twenty thirteen. This was really outrageous. Two thousand miles after 718 00:58:06.320 --> 00:58:09.679 they did some work, you got this noise and and it turns out, 719 00:58:09.920 --> 00:58:15.679 basically, bottom line is the timing chain broke that they put in internal engine 720 00:58:15.760 --> 00:58:20.880 damage. And I said, look, you need to get this checked out 721 00:58:20.960 --> 00:58:23.280 by someone we trust. We don't know what, we don't know who's right, 722 00:58:23.320 --> 00:58:27.880 who's telling you the truth. But one thing I would not do is 723 00:58:27.960 --> 00:58:34.239 I said I would not authorize repairs until I knew of the block was good 724 00:58:34.400 --> 00:58:38.400 or bad. Because if that block was damaged, as the first Chevy dealer 725 00:58:38.480 --> 00:58:44.159 said, you do not want to spend two thousand dollars on that car only 726 00:58:44.199 --> 00:58:47.239 to turn around and spend another five on the block. So what happened, 727 00:58:47.360 --> 00:58:52.800 Ernest? You told them to stop the repairs and then what Well, as 728 00:58:52.800 --> 00:58:55.719 soon as you told me that, and it made a lot of sense, 729 00:58:55.760 --> 00:59:00.960 I called them and the gentleman said they haven't even pulled it in the start 730 00:59:00.039 --> 00:59:02.519 yet. They was going to pull it in either in the afternoon or this 731 00:59:02.679 --> 00:59:07.559 morning. I said, perfect, you do not do any repairs. It's 732 00:59:07.599 --> 00:59:13.800 not authorized right now, and he agreed. I mean I stopped him, 733 00:59:14.119 --> 00:59:17.199 But did you tell him why you wanted to stop? Yes, Sir, 734 00:59:17.519 --> 00:59:22.559 I told him why and he said he said, well, the car seems 735 00:59:22.599 --> 00:59:28.719 to be running perfectly, and but he like again he doesn't know. Okay, 736 00:59:28.760 --> 00:59:30.599 what we have to figure out is this, Ernest, here's your next 737 00:59:30.599 --> 00:59:38.519 step. How did that first Chevy dealer determine that the block was cracked? 738 00:59:40.599 --> 00:59:45.360 Well, I'm not going to say he said cracked, but he said in 739 00:59:45.440 --> 00:59:50.519 bad shape. I don't even know what that means. There's no such thing 740 00:59:50.519 --> 00:59:52.280 as a block being in bad shape. A block is a block, is 741 00:59:52.280 --> 00:59:57.280 a block is a block. So I don't even know what bad shape means. 742 00:59:57.360 --> 01:00:00.079 What does it mean? What the can did? He said, the 743 01:00:00.159 --> 01:00:07.559 cam broke in the block and so and it caused damage. Well, hold 744 01:00:07.599 --> 01:00:10.559 on, did they did they take the engine apart to look inside it? 745 01:00:12.719 --> 01:00:15.840 The first one they had to? I'm like, Tom, well no, 746 01:00:15.920 --> 01:00:20.400 they hold on? You mean to tell me that first Chevy dealer took your 747 01:00:20.440 --> 01:00:27.199 engine completely apart and then put it back together. I'm Tom, I got 748 01:00:27.239 --> 01:00:30.719 the paperwork. I don't know what they did, Ernest. Let me ask 749 01:00:30.760 --> 01:00:34.440 you something, Ernest, when you took it to the first Chevy dealer who 750 01:00:34.519 --> 01:00:38.400 determined the block was in bad shape and that there were parts of the timing 751 01:00:38.519 --> 01:00:43.440 chain in it, that dealer, how much did they charge you for that 752 01:00:43.559 --> 01:00:49.840 diagnosis? They didn't charge me nothing because and they did not take the engine 753 01:00:49.840 --> 01:00:53.400 apart. I will guarantee it. Okay. Red Automotives sent it to them 754 01:00:53.440 --> 01:01:00.440 because he didn't know how to get it started. Ernest, that first steeler 755 01:01:00.079 --> 01:01:08.800 did not take that engine apart. They can't. They would do you understand 756 01:01:08.840 --> 01:01:16.159 what it would have taken to remove and look at that block? I really 757 01:01:16.199 --> 01:01:21.239 don't. I'm okay, I have no mechanical They would have had to take 758 01:01:21.280 --> 01:01:24.199 the entire top off of that engine. Let's just put it this way, 759 01:01:24.239 --> 01:01:30.000 Okay. You told me the first dealer determined the block was bad, and 760 01:01:30.039 --> 01:01:36.440 I said, I thought, I mean, there's no way that they could 761 01:01:36.440 --> 01:01:42.880 have determined that without an internal inspection. I have no idea how they determined. 762 01:01:43.039 --> 01:01:47.239 Can you call them for us and say, all just say this, 763 01:01:49.800 --> 01:01:55.239 don't get into the weeds, Just say listen, I'm considering, you know, 764 01:01:55.360 --> 01:02:00.280 having this car repaired, but I don't I don't want to spend too 765 01:02:00.400 --> 01:02:06.199 much money. And I remember you told me the block was bad or in 766 01:02:06.320 --> 01:02:12.039 bad shape? What did you mean exactly? Just please ask them did you 767 01:02:12.400 --> 01:02:17.000 look at it inside? How do you know there's internal damage to the block? 768 01:02:17.280 --> 01:02:22.159 Would you please ask those questions? Yes, sir, I definitely will. 769 01:02:22.199 --> 01:02:28.280 And one more thing time. What I would like to do is actually 770 01:02:28.320 --> 01:02:34.320 send you the send you the report via the email that they gave me that 771 01:02:34.519 --> 01:02:37.760 describes all the damage that is good was done. Okay, I want you 772 01:02:37.840 --> 01:02:43.679 to do that, and then you should take your car over to Kevin Caulkin 773 01:02:44.880 --> 01:02:49.960 at Sheridan Auto Tech. That's your next step. Okay, share it une 774 01:02:51.079 --> 01:02:55.199 Auto Tech. Okay, where is it right now? The second dealer? 775 01:02:55.280 --> 01:02:59.039 And by the way, I'm not throwing any rocks at this second dealer. 776 01:02:59.079 --> 01:03:02.280 They didn't do anything. What's the name of the second dealer? The second 777 01:03:02.280 --> 01:03:08.519 one is Daniel Long Chevrolet. And where's that located? Motor City? Where's 778 01:03:08.559 --> 01:03:15.159 that Motor City? Never mind, I'm not You're not going to go to 779 01:03:15.159 --> 01:03:20.000 share it in auto tech now, it's too far. It's too far. 780 01:03:20.079 --> 01:03:27.719 Bro. I need to talk to Can you get jesse On from Honest Accurate 781 01:03:27.719 --> 01:03:31.079 Auto yes, Okay, hold on, Brian, I mean our ernest hold 782 01:03:31.079 --> 01:03:35.719 on. We got more coming up on the Troubleshooter Show. Three oh three 783 01:03:35.840 --> 01:03:39.599 seven one three talk seven one three A two five five. Denverregen dot com. 784 01:03:39.639 --> 01:03:45.199 Weight Loss weight loss at two hundred and fifty bucks a month for the 785 01:03:45.320 --> 01:03:49.280 compounded semic glue Tide. Again, I always tell people check with your doc 786 01:03:49.360 --> 01:03:52.760 if you're going on a weight loss program or if you're concerned about semic glue 787 01:03:52.800 --> 01:03:59.360 tide. It's the compounded form and they'd be happy to have you talk to 788 01:03:59.400 --> 01:04:02.639 their doc as well. And all supplies for two hundred and fifty bucks a 789 01:04:02.639 --> 01:04:11.960 month Denverregen dot com. Go with a sure thing Denver's Best roofer Excel Roofing 790 01:04:12.079 --> 01:04:17.440 dot com. You don't pay a cent until you're content. Please time for 791 01:04:17.480 --> 01:04:23.639 an insurance check up free, no obligation comparison call Compass Insurance paying too much 792 01:04:23.760 --> 01:04:28.039 your coverage at dozens of insurance companies find out now three oh three seven seven 793 01:04:28.079 --> 01:04:30.840 to one help. You'll think you're his only customer when you choose Frank durand 794 01:04:30.840 --> 01:04:35.280 the Real estate Man dot com to list your home with Remax Alliance three oh 795 01:04:35.320 --> 01:04:45.280 three nine two zero sixteen twenty two. Hi Tom Marchino, your troubleshooter three 796 01:04:45.360 --> 01:04:50.000 O three seven one three talks seven one three eight two five five. All 797 01:04:50.079 --> 01:05:00.000 right, so we uh have Earnest here now? Basically I want him to 798 01:05:00.039 --> 01:05:04.679 get over to We don't have him on yet, do we? Jesse? 799 01:05:05.440 --> 01:05:09.440 I wanted to get Jesse on. So he hasn't gone back to me yet. 800 01:05:09.480 --> 01:05:13.480 He is a hang on Brian's turn, Brian, what's going on? 801 01:05:13.800 --> 01:05:19.519 Hey? Brian? Hello, what's going on? Hey? So the other 802 01:05:19.599 --> 01:05:25.840 day I went into a Walgreens and bought a prepaid phone card. Okay, 803 01:05:26.079 --> 01:05:30.159 Verzon, yep, they have white ones and they have red ones. Now 804 01:05:30.280 --> 01:05:33.880 apparently I didn't know that. What's the difference. What's the difference? Yeah, 805 01:05:33.880 --> 01:05:39.360 there you go. That's the whole point of this. Apparently there's two 806 01:05:39.360 --> 01:05:44.719 different divisions of Verizon. So what color? What color did you buy? 807 01:05:45.920 --> 01:05:53.960 I bought red, the totals by Verizon variety. Bought a red calling card. 808 01:05:55.360 --> 01:06:00.360 Yeah, okay, and it is called total by Verizon, not the 809 01:06:00.360 --> 01:06:08.000 white prepaid Verizon. Is the red one prepaid as well? Though? Yeah? 810 01:06:08.039 --> 01:06:12.320 Pretty much? So how does it differ? Walden? How is this 811 01:06:12.400 --> 01:06:16.639 affecting you? So? I bought four of them at sixty dollars a piece, 812 01:06:16.639 --> 01:06:21.320 two and forty dollars. I can why, just out of curiosity, 813 01:06:21.360 --> 01:06:26.880 why do you buy them? I just I like to just be able to 814 01:06:26.880 --> 01:06:30.599 do it that way. I just like it better. So how is it 815 01:06:30.760 --> 01:06:32.280 used? I don't even know what a calling card is used for. I'm 816 01:06:32.320 --> 01:06:34.840 serious. What do you use it for a long distance or what? I 817 01:06:34.840 --> 01:06:41.599 don't even know there was charges like that? What just basically your monthly charge 818 01:06:41.639 --> 01:06:44.639 for your cell phone? That's what you? Oh, I guess So so 819 01:06:45.159 --> 01:06:49.400 okay, you choose not to pay by credit card? Absolutely. So are 820 01:06:49.440 --> 01:06:55.000 they called prepaid calling cards or are they called pre just prepaid? Okay, 821 01:06:56.440 --> 01:06:59.960 they're like a gift card, got it? Okay, So what's going on? 822 01:07:00.199 --> 01:07:03.360 All right? So anyway, I scratched two of them, tried to 823 01:07:04.239 --> 01:07:09.840 down the or input the number into message to pay for my phone service, 824 01:07:10.280 --> 01:07:16.000 and they were declined, said they were not applicable to my program, my 825 01:07:16.440 --> 01:07:21.199 prepaid service plan. What does that mean? On the back of the card, 826 01:07:21.320 --> 01:07:30.280 unfortunately, it says in small print card cannot be refunded once validated or 827 01:07:30.320 --> 01:07:35.039 authorized at the register. Okay, So now I have a problem. I 828 01:07:35.079 --> 01:07:40.840 can't use it. I didn't know there were two different styles, A hold 829 01:07:40.920 --> 01:07:43.840 on both companies. Let me ask you this, Brian, would you have 830 01:07:43.880 --> 01:07:48.000 been able to use the white one to pay for your phone? Yes? 831 01:07:48.360 --> 01:07:54.480 Always have been the white one. Yeah, the white one used to have 832 01:07:54.519 --> 01:07:58.360 a little bit of red on it. Right, So when I was looking 833 01:07:58.440 --> 01:08:01.159 in the area, I didn't see the white ones with red on them. 834 01:08:01.159 --> 01:08:04.280 I didn't see the white ones only. Well, you shouldn't have to worry 835 01:08:04.280 --> 01:08:10.719 about I mean that that's pre Can I ask you something? I mean, 836 01:08:10.880 --> 01:08:15.119 they expect people to know which one to buy, and they're both Verizons. 837 01:08:15.400 --> 01:08:18.439 So so I want to ask you some simple questions. What is the white 838 01:08:18.479 --> 01:08:25.079 one for the red one for? I don't know. Apparently it could possibly 839 01:08:25.159 --> 01:08:30.199 be for internet service also with your phone and maybe some hot Spot Wi Fi 840 01:08:30.319 --> 01:08:33.880 stuff I don't know, but yours. But yours is that you have a 841 01:08:33.920 --> 01:08:40.239 prepaid cell phone? Is that what it is? Yes? And the prepaid 842 01:08:40.319 --> 01:08:45.119 cell phone can only be paid for with the white card. Yes, pretty 843 01:08:45.159 --> 01:08:47.640 much. And now that you bought the red one, you can't convert it 844 01:08:47.680 --> 01:08:53.079 to a white one. What So that's what they're telling me. So what 845 01:08:53.159 --> 01:08:59.279 I did yesterday I took the four cards and the the receipts, and I 846 01:08:59.359 --> 01:09:06.920 went to two zon stores and their attitude was this, we are franchise stores. 847 01:09:06.960 --> 01:09:10.479 We can't handle this. You have to go to a corporate store, 848 01:09:10.720 --> 01:09:13.640 go to the mall and Fort Collins. So I went to the mall in 849 01:09:13.720 --> 01:09:16.119 Fort Collinns, the Corport store and they're like, we can't do this. 850 01:09:16.279 --> 01:09:19.319 You'll have to go online and do it all right, hold on, we'll 851 01:09:19.319 --> 01:09:25.079 come back to you. This is crazy stuff and good information. Go with 852 01:09:25.159 --> 01:09:29.359 a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay a 853 01:09:29.439 --> 01:09:36.359 cent until you're content. Time for an insurance checkup free, no obligation comparison 854 01:09:36.479 --> 01:09:42.399 call Compass Insurance. Pay too much your coverage at dozens of insurance companies find 855 01:09:42.399 --> 01:09:45.600 out Now three O three seven to seven to one help. You'll think you're 856 01:09:45.640 --> 01:09:48.520 his only customer when you choose Frank durand the real estate Man dot com to 857 01:09:48.600 --> 01:09:59.119 list your home with Remax Alliance three oh three nine two zero sixteen twenty two. 858 01:10:00.279 --> 01:10:09.680 Ripped News didn't need advice, so you don't have come running success as 859 01:10:09.720 --> 01:10:16.119 we can. Shooter's gonna help coming. Man Dix is the Troubleshooter Show. 860 01:10:16.760 --> 01:10:21.520 No Tom Martinez, Hi, Tom Martino here, Welcome to the show. 861 01:10:21.600 --> 01:10:27.560 Three oh three seven one three talk three oh three seven one three eight two 862 01:10:27.720 --> 01:10:30.199 five five. This show brought to you by Ideal Home Loans. For your 863 01:10:30.199 --> 01:10:33.840 next Ideal Home loan, they do the interest rate guarantee, so when rates 864 01:10:33.880 --> 01:10:39.079 go down, you'll be refinanced free of charge, free of lender fees. 865 01:10:39.159 --> 01:10:43.840 That's three oh three and nine. Well, let me see Ideal Home Loans. 866 01:10:43.920 --> 01:10:45.840 I used to have that by heart. What the hell's wrong with the 867 01:10:45.920 --> 01:10:48.840 three all three eight sixty seven seven thousand, three oh three eight six seven 868 01:10:48.920 --> 01:10:54.479 seven thousand and I swear if you make a joke dragging about age, I'm 869 01:10:54.520 --> 01:10:57.560 gonna come over there. Okay, Now, I would never say anything to 870 01:10:57.560 --> 01:11:00.359 your friend, No, no, no, never. Now we have a 871 01:11:00.399 --> 01:11:04.760 follow up I want to do, and it's Tom. He called three weeks 872 01:11:04.800 --> 01:11:12.560 ago, mister appliance. This Viking refrigerator thing was terrible. But I believe 873 01:11:12.680 --> 01:11:15.359 isn't this the one we had the follow up on recently? Here? But 874 01:11:15.680 --> 01:11:21.800 let's bring them up anyway. Hey, Tom, what's going on, sir? 875 01:11:23.439 --> 01:11:26.760 What's going on? Well? I just don't know follow up on that 876 01:11:26.840 --> 01:11:32.760 I appreciate you guys reaching out back from them. Wait is this the one 877 01:11:33.439 --> 01:11:42.199 Is this the one where it was last April? Yes? Or nine times? 878 01:11:43.119 --> 01:11:48.960 Last April, mister Appliance came to try to fix fix your Viking refrigerator. 879 01:11:49.319 --> 01:11:56.319 You spent sixty seven in repairs and it was never fixed. You called 880 01:11:56.359 --> 01:12:01.479 another place and they fixed it for forty seven hundred or forty forty eight repee. 881 01:12:02.560 --> 01:12:08.399 Yeah, the original repairs that were done, they were totally useless, 882 01:12:08.479 --> 01:12:14.840 right, that is correct? And then did you call and then they went 883 01:12:14.880 --> 01:12:16.760 to an exchanger, then they went to a compressor, then they pulled the 884 01:12:16.840 --> 01:12:20.960 unit out, damaged my cabinets, put it back in. So and then 885 01:12:21.000 --> 01:12:26.720 when we last, when we last talked, I notice here I said, 886 01:12:26.760 --> 01:12:30.439 you just wanted to let people know. But I wonder why we didn't call 887 01:12:30.520 --> 01:12:38.359 them on the last time you called us in February. Why didn't we did 888 01:12:38.399 --> 01:12:42.520 we try to call, mister appliance. I think you were trying to get 889 01:12:42.560 --> 01:12:44.920 a hold of somebody, and then I got an email said that you were 890 01:12:44.960 --> 01:12:46.279 going to You're going to try to put us together or get them, get 891 01:12:46.279 --> 01:12:53.600 them online. But I've never received a call from anyone even yet not from 892 01:12:53.640 --> 01:12:57.399 you, from uh, from mister appliance and what we need to do. 893 01:12:59.079 --> 01:13:02.039 And when you went down there, what did could you talk to anyone? 894 01:13:02.359 --> 01:13:04.840 There was just one girl at the front desk and I said, hey, 895 01:13:04.880 --> 01:13:09.279 I'm Tom Tarver and I've been trying to reach your service manager or your owner. 896 01:13:09.880 --> 01:13:12.479 And she said we got in and I said, okay, here, 897 01:13:12.520 --> 01:13:14.119 we're going to go with that. By hand her of the paper, I 898 01:13:14.159 --> 01:13:16.520 said, here's all the nine calls I've called you guys. You know I 899 01:13:16.520 --> 01:13:19.159 wanted to talk to somebody. I'd even try to get to an agreement, 900 01:13:19.199 --> 01:13:21.720 because you know, I get it. You know, I don't know why 901 01:13:21.760 --> 01:13:26.119 you wouldn't take Listen, why wouldn't you take in the small claims court? 902 01:13:26.199 --> 01:13:30.439 You'll win? Well, I'd like to do that. I've never done that 903 01:13:30.479 --> 01:13:32.279 before, so I guess I'm going to have to understand how to do that. 904 01:13:32.760 --> 01:13:35.520 Okay, I get some help with it somebody else. Yeah. Yeah, 905 01:13:35.600 --> 01:13:42.439 well Mark, as I said, Mark almost has become almost an expert 906 01:13:42.479 --> 01:13:46.520 at it. But basically what he does is he goes online. And what 907 01:13:46.560 --> 01:13:54.800 we do is we check out the site for consumers on the Secretary of State. 908 01:13:55.399 --> 01:13:58.520 It's the hold on I'm going to do it right now, the Secretary 909 01:13:58.600 --> 01:14:01.720 of State. And what you do is you find the business. You you 910 01:14:01.760 --> 01:14:08.439 look up the business record for that company, and then what you do is 911 01:14:08.560 --> 01:14:11.640 you so, so I'm going to search the business and what is it called, 912 01:14:11.680 --> 01:14:17.960 mister appliance, mister appliance of Parker, Colorado. Okay, of Parker, 913 01:14:19.079 --> 01:14:24.199 Colorado. And then I don't know if that's their name, but we're 914 01:14:24.199 --> 01:14:28.479 gonna look it up. No results found. Huh, well, that's gonna 915 01:14:28.520 --> 01:14:32.239 suck that. There's nothing with I want. I wonder if it's just mister 916 01:14:32.279 --> 01:14:36.760 appliance of Parker. Let's try that one. Yeah, we found it, 917 01:14:36.840 --> 01:14:45.159 mister appliance of Parker, and uh, they're in good standing. And you 918 01:14:45.199 --> 01:14:50.680 go down here and we find their their uh, their registered agent and then 919 01:14:50.880 --> 01:14:55.920 uh, I don't see though they're registered agent anywhere. Oh wait, wait, 920 01:14:56.000 --> 01:15:01.000 maybe I do. Let's see they're registered agent. Yes, and then 921 01:15:01.560 --> 01:15:06.720 registered agent is here. And what you do is you serve him for small 922 01:15:06.760 --> 01:15:14.439 claims court and you take him to court for the money. It's that easy, 923 01:15:14.479 --> 01:15:17.600 bro. And and so I just silent Douglas County and I go to 924 01:15:17.960 --> 01:15:23.600 I go to the Secretary of State's office and find the registored agent and have 925 01:15:23.840 --> 01:15:28.039 him serve Now if you yes, well, first of all, go online 926 01:15:28.079 --> 01:15:31.680 and fill out the small claim stuff with him. His name is Ken Kevin 927 01:15:31.920 --> 01:15:42.600 Kenneth Hudson h U T S O N. Now I don't know if this 928 01:15:42.760 --> 01:15:46.159 is his home address or his business address. Do they have a location there? 929 01:15:46.239 --> 01:15:51.359 You said they have? They have a storefront right off a Parker Road 930 01:15:51.439 --> 01:15:56.920 that I went to get the address of that storefront. The address I have 931 01:15:57.039 --> 01:16:00.159 here might be Kenneth's personal address. But what what you do is you serve 932 01:16:00.319 --> 01:16:06.840 Kenneth Hudson. He's the one listed here as the registered agent. You can 933 01:16:06.880 --> 01:16:12.680 look it up to at the Secretary of State. Okay, you you really 934 01:16:12.760 --> 01:16:16.000 got to get this done. And then what you can do he's there. 935 01:16:16.239 --> 01:16:19.279 They're in good standing, so I think it is. And the name is 936 01:16:19.399 --> 01:16:27.399 KVH. Appliance Repair, LLC, doing business as mister Appliance of Colorado. 937 01:16:28.039 --> 01:16:31.039 And then the registered agent, so you serve him. But fill it all 938 01:16:31.079 --> 01:16:33.720 that out and sue, I don't see how you lose. You get a 939 01:16:33.800 --> 01:16:38.159 judgment, and then you come back to us and we'll tell you how to 940 01:16:38.159 --> 01:16:40.920 do it. But do it one step at a time. If you have 941 01:16:41.039 --> 01:16:43.920 any hang ups, you call us back. We'll put you in touch with 942 01:16:44.039 --> 01:16:47.800 Mark. Okay, okay, let us know how it goes. Three oh 943 01:16:47.880 --> 01:16:53.479 three seven one three talks seven one three eight two five five. Now, 944 01:16:53.520 --> 01:16:59.119 on these prebate paid cards, Deputy Doc had a great idea, Brian, 945 01:16:59.199 --> 01:17:04.680 you bought some. This is what's crazy. You bought some prepaid Verizon cards 946 01:17:04.720 --> 01:17:13.199 that can't be used to pay for your prepaid sell service. It can only 947 01:17:13.239 --> 01:17:18.960 be as but you bought the wrong kind. Now, yeah, what I 948 01:17:19.079 --> 01:17:24.439 don't understand is why you can't return the ones that haven't been used. Do 949 01:17:24.520 --> 01:17:30.319 you have one still in a package? No, it's not in the package. 950 01:17:30.359 --> 01:17:31.960 They're just cards and you scratch off the back and take the note. 951 01:17:31.960 --> 01:17:36.079 Okay, that's why they're returning because a lot of people do that, and 952 01:17:36.159 --> 01:17:40.760 there's a lot of fraud in that. So here's the deal. Here's what 953 01:17:40.840 --> 01:17:44.880 else happened. Here's what else happened. So then I went online with the 954 01:17:45.000 --> 01:17:48.640 chat bot or whatever and started talking to them at Verizon customer service. That's 955 01:17:48.680 --> 01:17:51.800 it. You can't talk to anybody on a phone or you got to you 956 01:17:51.840 --> 01:17:55.880 got to do the chat box thing. So I was chat boxing with them, 957 01:17:56.199 --> 01:17:59.800 and the guy's like, well, there's two different divisions with Verizon, 958 01:18:00.319 --> 01:18:02.840 so this won't work with this division, but it'll work with this other division. 959 01:18:05.399 --> 01:18:10.960 God, how are they Well, I don't get it. How are 960 01:18:11.000 --> 01:18:16.680 people supposed to know what cards to buy for what purpose? So here's the 961 01:18:16.720 --> 01:18:20.079 next part of this. The next part is they gave me a number for 962 01:18:20.159 --> 01:18:26.479 the division that supposedly could help me with this style of card, and I 963 01:18:26.560 --> 01:18:30.239 called them and they're like, we can't help you because we don't have the 964 01:18:30.319 --> 01:18:33.720 money. Walgreens has the money, so you have to go to Walgreens to 965 01:18:33.720 --> 01:18:39.039 get the refund. So I went to Walgreens and they're like, we can't 966 01:18:39.039 --> 01:18:43.119 refund the money, but we can get on the phone with you with that 967 01:18:43.199 --> 01:18:45.239 other division and try to help you. And that's when I said, well, 968 01:18:45.239 --> 01:18:50.199 we'll just call Tom. You know what I feel, really, I 969 01:18:50.199 --> 01:18:55.319 mean, this is crazy and I think we need I need to look deeper 970 01:18:55.439 --> 01:19:00.439 into it. But right now, for you, the quick solution, I 971 01:19:00.479 --> 01:19:04.119 don't know there is one, but I know Deputy Doc had an idea. 972 01:19:04.479 --> 01:19:08.640 Can you go to with a red card? Can you go to a Verizon 973 01:19:08.720 --> 01:19:12.720 store and buy merchandise like a cover for a phone or stuff like that. 974 01:19:14.760 --> 01:19:16.319 I don't know. I just really don't want to do that. All I 975 01:19:16.359 --> 01:19:20.720 want is the simple prepaid card. And the thing is, I kind of 976 01:19:20.760 --> 01:19:24.920 feel like this goes back to what they were what people were doing in the 977 01:19:24.960 --> 01:19:29.760 early two thousands, when you had AT and T phone service, at and 978 01:19:30.000 --> 01:19:34.039 T phone service, and somebody would call up and say we're at T and 979 01:19:34.079 --> 01:19:38.319 then next thing you know, you're switched over to an expensive plan that you 980 01:19:38.399 --> 01:19:41.479 never really wanted because you or I get it. I know it, I 981 01:19:41.560 --> 01:19:45.600 know it. So I think it's bait and switch a little bit different, 982 01:19:45.279 --> 01:19:49.199 Kachina. Do we have someone at Verizon that we talked to for problems? 983 01:19:51.319 --> 01:19:56.840 I'm not sure about that. Suzanne would know better, but we can certainly 984 01:19:56.920 --> 01:20:00.319 get his information and try to I thought we did at one point. I'm 985 01:20:00.359 --> 01:20:04.920 not sure if that person is still there, Okay. And are they called 986 01:20:05.000 --> 01:20:11.399 red and white cards? I have no idea what they're called. The one 987 01:20:11.439 --> 01:20:15.560 card is prepaid Verizon. It's a white card used to be white with a 988 01:20:15.600 --> 01:20:17.800 little bit of red on it, I understand. So it's called prepaid. 989 01:20:18.239 --> 01:20:23.199 What are they both called? That's what I need to know. So one's 990 01:20:23.279 --> 01:20:27.640 kind of a Verizon prepaid card is white, and then the other one is 991 01:20:27.840 --> 01:20:33.680 Total by Verizon and it's all red. Okay, but what how is the 992 01:20:33.760 --> 01:20:41.439 consumer supposed to know? That's my question right there. If you don't know 993 01:20:41.600 --> 01:20:44.520 until you buy it, take it home, scratch it, try to use 994 01:20:44.560 --> 01:20:46.439 it, and it says you cannot use this for what you're trying to do, 995 01:20:49.399 --> 01:20:56.520 right I'm making notes here Total by Verizon and the other one is simply 996 01:20:56.840 --> 01:21:03.199 the other one is simply the repaid card. Yeah, okay, well, 997 01:21:03.279 --> 01:21:09.800 man, I give your information to Kelly. I think we have an angel 998 01:21:09.840 --> 01:21:14.680 at Verizon, somebody we can get to, and then we'll see if we 999 01:21:14.720 --> 01:21:19.159 can figure this out for you, or get somebody who knows something. Right 1000 01:21:19.199 --> 01:21:27.520 now, I just texted someone who knows about gift cards and oh man, 1001 01:21:28.920 --> 01:21:30.239 well Tom, I'm getting ready to go into a meeting. But here, 1002 01:21:30.239 --> 01:21:38.159 okay, give her the information. Give her the information to you. I 1003 01:21:38.239 --> 01:21:41.600 wanted to bring this to you because this is what you do. Great and 1004 01:21:41.640 --> 01:21:45.640 I appreciate. All right, good, get us the info or call us 1005 01:21:45.680 --> 01:21:47.359 back with the info. Kelly, give me your email or something, and 1006 01:21:47.439 --> 01:21:51.960 let's get this done. Okay, this sucks, and I really don't know 1007 01:21:53.039 --> 01:21:56.520 the answer. I'm looking into it, though, because I imagine many, 1008 01:21:56.600 --> 01:22:00.800 many, many consumers are going to be confused by this. Three O three 1009 01:22:00.920 --> 01:22:11.479 seven one three eight two five five. Go with a sure thing Denver's best 1010 01:22:11.560 --> 01:22:15.600 roofer Excel Roofing dot com. You don't pay a cent until you're content. 1011 01:22:17.960 --> 01:22:21.520 Time for an insurance check up free, no obligation. In comparison, call 1012 01:22:21.600 --> 01:22:27.600 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 1013 01:22:27.640 --> 01:22:30.680 three oh three seven seven one help. You'll think you're his only customer when 1014 01:22:30.720 --> 01:22:34.439 you choose Frank durand the real estate Man dot com to list your home with 1015 01:22:34.560 --> 01:22:45.960 Remax Alliance three oh three nine two zero sixteen twenty two. Hi, Tom 1016 01:22:45.960 --> 01:22:48.840 Martino, your troubleshooter three oh three seven one three talks seven one three eight 1017 01:22:48.840 --> 01:22:55.920 two five five Ernest uh Jesse's not available at Honest Accurate Auto. But here's 1018 01:22:55.960 --> 01:23:00.520 what we need to do. What you You have your car right now at 1019 01:23:00.520 --> 01:23:04.079 a place and they're holding off on doing repairs. They seem to be pretty 1020 01:23:04.119 --> 01:23:10.640 fair, pretty nice. They say you need nineteen hundred dollars worth of repairs, 1021 01:23:10.640 --> 01:23:15.840 but I don't want you to authorize those until you know whether or not 1022 01:23:15.880 --> 01:23:23.680 that block is you know, is worth it? Now the dealership it's at 1023 01:23:24.039 --> 01:23:26.920 says, we don't think there's anything wrong with the block. Is that right? 1024 01:23:28.000 --> 01:23:30.520 That is correct? The second one, the first one said it is? 1025 01:23:30.920 --> 01:23:35.920 Did you send me yet that invoice from the first one? No, 1026 01:23:36.000 --> 01:23:39.840 I'm gonna because I have to go get a copy of it because I don't 1027 01:23:39.880 --> 01:23:42.880 have no will you to just like I take a picture of it, so 1028 01:23:43.760 --> 01:23:46.680 like I got time, I do have a car where I'm busting my wife 1029 01:23:46.720 --> 01:23:51.640 around, so I'm gonna probably go down to the authetics. Let's do that 1030 01:23:51.800 --> 01:23:56.479 first. Man, Wait, wait a minute, Ernest you have a copy 1031 01:23:56.520 --> 01:23:59.039 of it all ready, I mean you can't you take a picture of it 1032 01:23:59.079 --> 01:24:01.039 with your phone or not? Oh? Yes, I could do that, 1033 01:24:01.079 --> 01:24:04.640 but I mean sometimes the qualities. Well, let's try it. Let's before 1034 01:24:04.640 --> 01:24:09.399 you go running around. Let's try that first. Okay, I can do 1035 01:24:09.439 --> 01:24:12.960 that, And then what I'd like to do is Kaschina will tell you how 1036 01:24:12.960 --> 01:24:15.560 to get that to us. I'd like to take a look at it. 1037 01:24:15.600 --> 01:24:21.520 Here's why, I don't think your block is bad either. So if you're 1038 01:24:21.560 --> 01:24:27.840 satisfied with that estimate, once we determine that, you may as well, 1039 01:24:27.920 --> 01:24:30.920 let that dealer fix it. But what did that dealer say they're doing for 1040 01:24:30.000 --> 01:24:39.079 nineteen hundred, well to two thousand, five hundred. Oh yeah, they're 1041 01:24:39.840 --> 01:24:48.279 fixing the valve cover I guess, replacing the chain, and then the oil 1042 01:24:48.359 --> 01:24:54.239 that they say is leaking from the bottom pan and the part that was glued 1043 01:24:54.279 --> 01:24:58.159 on where they said it should have been sealed on. So they're doing all 1044 01:24:58.199 --> 01:25:05.319 those repairs. Okay, I think that it's not outrageous, it's a little 1045 01:25:05.359 --> 01:25:10.520 on the high side. What you might want to do, do you have 1046 01:25:10.640 --> 01:25:15.079 that estimate in writing to that is correct? Would you go over to Honest 1047 01:25:15.439 --> 01:25:26.159 Accurate Auto and talk to Jesse okay? Or call him. There's two of 1048 01:25:26.199 --> 01:25:30.479 them, he's at one of them, Honest Deck and talk to Jesse. 1049 01:25:30.560 --> 01:25:36.479 I'm talk to Jesse. Tell him you talk to me and you want to 1050 01:25:36.520 --> 01:25:42.520 find out you want to find out if that's a reasonable price for what needs 1051 01:25:42.560 --> 01:25:45.399 to be done? Or yes, sir, does he can he look at 1052 01:25:45.399 --> 01:25:51.119 it? And then also tell him that one shot told him your block was 1053 01:25:51.159 --> 01:25:55.000 in bed. No, I don't know if i'd complicate the matter. I 1054 01:25:55.039 --> 01:25:58.239 want to look at that invoice. There's no way that I'm just going to 1055 01:25:58.279 --> 01:26:03.000 say it that unless you had an obvious crack in your block, there's no 1056 01:26:03.119 --> 01:26:09.600 way that first shop could have told there's internal block damage without looking and taking 1057 01:26:09.640 --> 01:26:13.760 it apart. So I don't I mean, I just don't know. We 1058 01:26:13.800 --> 01:26:16.560 can talk to Jesse about it, but go see him first and then call 1059 01:26:16.640 --> 01:26:20.159 us back. Get us a copy of that first invoice three zero three, 1060 01:26:20.359 --> 01:26:25.399 seven to one three talks seven to one three eight two five five. We 1061 01:26:25.439 --> 01:26:29.640 have with us Dan McKenzie from McKenzie Law. Dan does a state planning, 1062 01:26:29.960 --> 01:26:32.520 Dan, I have a question for you, and somebody wants to know about 1063 01:26:32.560 --> 01:26:36.720 privacy. They were told and let me get our wide shot here. They 1064 01:26:36.720 --> 01:26:42.720 were told that if you do a trust, it's secret, no one can 1065 01:26:42.800 --> 01:26:46.079 read it unless they're part of the trust. And that's a good reason to 1066 01:26:46.159 --> 01:26:49.680 do a trust, to keep as little as possible in a will, which 1067 01:26:49.720 --> 01:26:54.680 is public record, and then point things to the trust. So let's just 1068 01:26:54.720 --> 01:26:59.760 talk about that first and foremost is a will public It will is lodge with 1069 01:26:59.760 --> 01:27:05.600 a and can be gotten at least by interested parties and interested parties, I 1070 01:27:05.680 --> 01:27:08.840 mean, it's lodge with the court, even if there is no probate. 1071 01:27:08.960 --> 01:27:13.399 Okay, supposed to be so once somebody's sunbun dies, people can read wills. 1072 01:27:14.359 --> 01:27:19.199 Yeah, yes, so that's reason enough to get a trust. Yeah. 1073 01:27:19.399 --> 01:27:25.399 Can people go and see a trust? No, because it's not as 1074 01:27:25.479 --> 01:27:30.319 the person who wrote this in said that it's not registered anywhere. It is 1075 01:27:30.479 --> 01:27:33.760 only the state statute says you have to share the details with those people who 1076 01:27:33.800 --> 01:27:38.000 are in it, and only the details relevant to them. So what that 1077 01:27:38.119 --> 01:27:41.119 is is somewhat debatable, but you can constrain it down. If I'm giving 1078 01:27:41.600 --> 01:27:44.079 ten thousand and one kid and five thousand the other, you know, they 1079 01:27:44.079 --> 01:27:47.000 don't necessarily get to know what each other got. But if kids dispute what's 1080 01:27:47.000 --> 01:27:49.399 in the trust, saying I don't believe that's what the trust says, I 1081 01:27:49.479 --> 01:27:54.880 think you're misinterpreting it. What happens then yeah, I mean they can initiate 1082 01:27:54.920 --> 01:28:01.239 litigation and they're a public then ca I mean obviously litigation. Yes, there 1083 01:28:01.279 --> 01:28:05.239 is a public elemental litigation, so there are ways that it could still happen. 1084 01:28:05.319 --> 01:28:09.119 But i'mlike with the wills going through probate, I mean, a probate 1085 01:28:09.159 --> 01:28:14.399 process is a court case. It's already going now. I heard that in 1086 01:28:14.479 --> 01:28:18.119 some cases where there's a dispute over what the will the trust says. A 1087 01:28:18.199 --> 01:28:23.079 judge can read it and say to the person, you're not privy to this 1088 01:28:23.439 --> 01:28:27.520 or this is what it says. And then, in other words, to 1089 01:28:27.640 --> 01:28:30.600 keep it from if someone says, I believe I'm part of that trust, 1090 01:28:30.640 --> 01:28:34.199 they're just not giving me the money. Yeah, and the person says, 1091 01:28:34.199 --> 01:28:36.000 no, you're not part of the trust. You're not going to get to 1092 01:28:36.000 --> 01:28:41.720 read it, right, Yeah, So it's the judge's ever peered into the 1093 01:28:41.720 --> 01:28:44.680 trust. Think, yes, you could do an in camera review, which 1094 01:28:44.720 --> 01:28:46.720 is a judge looking at it. Okay, yes it is and asked the 1095 01:28:46.800 --> 01:28:50.880 judge opinion, Am I in it or not? Yes? Okay? Three 1096 01:28:50.960 --> 01:28:57.279 oh three seven one three talks seven one three eight two five five. We 1097 01:28:57.359 --> 01:29:05.720 have more right after this, go with a sure thing Denver's Best Roofer Excel 1098 01:29:05.840 --> 01:29:13.640 Roofing dot com. You don't pay a cent until you're content. Time for 1099 01:29:13.680 --> 01:29:17.000 an insurance check up free, no obligation. In comparison, call Compass Insurance 1100 01:29:17.159 --> 01:29:21.279 paying too much your coverage at dozens of insurance companies find out now three all 1101 01:29:21.359 --> 01:29:25.279 three, seven, seven to one. Help. You'll think you're his only 1102 01:29:25.359 --> 01:29:29.199 customer when you choose Frank durand the real estate man dot Com to list your 1103 01:29:29.199 --> 01:29:39.239 home with Remax Alliance three all three nine two zero sixteen twenty two. Hi 1104 01:29:39.439 --> 01:29:45.600 Tom Martino, you're troubleshooter three oh three seven one three talk three oh three 1105 01:29:45.720 --> 01:29:49.079 seven one three eight two five five. Welcome to the show. Here to 1106 01:29:49.159 --> 01:29:51.840 help you, and uh, all you have to do is call us. 1107 01:29:51.880 --> 01:29:57.600 We have Dan Mackenzie with us as well from Mackenzie Law, and uh, 1108 01:29:57.640 --> 01:30:02.279 while we're on the subject of a state planning and a state law, who 1109 01:30:03.000 --> 01:30:08.000 needs a will? Dan? Who needs one? Let's just you know we 1110 01:30:08.399 --> 01:30:12.079 often get that question. Yeah, I mean really, any adult who has 1111 01:30:12.119 --> 01:30:14.800 people relying on them, So you know, if you have a spouse, 1112 01:30:14.840 --> 01:30:16.680 if you co own property with somebody, if you guy kids. I mean, 1113 01:30:16.680 --> 01:30:19.840 these are all situations where you better have some instructions about what's going to 1114 01:30:19.880 --> 01:30:24.880 happen. What percentage of people die without a will? And I think they 1115 01:30:24.880 --> 01:30:27.800 asked them, it's about seventy percent. What wait a minute, wait a 1116 01:30:27.800 --> 01:30:31.119 minute, wait a minute, wait wait wait wait seventy percent without a will? 1117 01:30:32.039 --> 01:30:36.840 Yeah, yeah, it's a big majority. I never realized that. 1118 01:30:38.000 --> 01:30:41.920 Yeah, yeah, it's an essay. There's this is County by county is 1119 01:30:41.960 --> 01:30:45.520 really hard to tell, but that is that is mostly people. I would 1120 01:30:45.640 --> 01:30:48.479 venture to say it's mostly people without a lot of net worth. Probably people 1121 01:30:48.520 --> 01:30:53.039 have mistakenly think that that's the driver. And like I just said, you'd 1122 01:30:53.399 --> 01:30:55.680 notice I didn't bring that up. I didn't bring up your wealth. You 1123 01:30:55.720 --> 01:30:59.039 could yeah, I mean you could be renting an apartment. Your landlord's depending 1124 01:30:59.079 --> 01:31:02.119 on you, frankly in that situation, so you got creditors minded family, 1125 01:31:02.399 --> 01:31:05.319 like who's getting it? Like that, and that situation. If people don't 1126 01:31:05.319 --> 01:31:08.600 have a lot, they don't really care. They say, look who cares? 1127 01:31:08.920 --> 01:31:12.279 But if you have children, you want to provide for children. You 1128 01:31:12.359 --> 01:31:15.319 have a little extra, You have a car, even if you only have 1129 01:31:15.399 --> 01:31:16.800 a bank account in a car. But you can do that without a will. 1130 01:31:16.880 --> 01:31:18.800 They came to you and all they had was a car and a bank 1131 01:31:18.840 --> 01:31:23.800 account. Can't you do a payable on death certificate? Yeah? And that's 1132 01:31:23.840 --> 01:31:27.239 an option in much bigger estates in that So, yes, there's lots of 1133 01:31:27.239 --> 01:31:30.560 waste that designate beneficiaries. But that's a state planning. And we have situations 1134 01:31:30.600 --> 01:31:33.960 where people are making decisions like that with six figures riding on them and not 1135 01:31:34.119 --> 01:31:38.640 talking to any attorneys, and it's a big, big mistakes. Here's what 1136 01:31:38.760 --> 01:31:45.920 I want to know. If you have if you have like stuff, a 1137 01:31:45.000 --> 01:31:50.159 bunch of stuff, can you have some in a will and some in a 1138 01:31:50.239 --> 01:31:57.159 trust and then some totally bypass everything by doing like that payable on death certificate? 1139 01:31:57.319 --> 01:31:59.680 Most to state plans are a mix of all those things. Yep. 1140 01:32:00.399 --> 01:32:03.119 So what would be something that would totally that if you wanted something to go 1141 01:32:03.399 --> 01:32:11.840 directly to your air without going through probate, the will or anything something automatic? 1142 01:32:12.159 --> 01:32:15.840 Yeah, that would be a payable on death certificate? Yes, yeah, 1143 01:32:15.000 --> 01:32:17.399 that probably is the fastest. It's got some drawbacks, you know, 1144 01:32:17.640 --> 01:32:21.199 Unlike trust, it doesn't kick in unless you've passed away. If you're leaving 1145 01:32:21.239 --> 01:32:27.720 stuff, especially real estate or hard assets to multiple people, designate beneficiaries leaves 1146 01:32:27.840 --> 01:32:30.479 no one in charge and you people tried for them. Where a trust can 1147 01:32:30.560 --> 01:32:33.279 designate all that? Exactly? Can a will designate that? Can you say 1148 01:32:33.319 --> 01:32:36.760 I'm leaving my house and I want sixty percent to go here and forty percent 1149 01:32:36.880 --> 01:32:42.840 there? Sure? Okay, yeah, but a trust is made for more 1150 01:32:42.920 --> 01:32:45.760 instructions. Basically, isn't that really what it is? Isn't that isn't basically 1151 01:32:45.880 --> 01:32:49.760 a trust a will with conditions and terms. Yeah, trust allows you to 1152 01:32:49.880 --> 01:32:53.239 kind of direct things out a few steps, whereas a will, like if 1153 01:32:53.279 --> 01:32:56.199 you leave that sixty forty it's like, well, now, what how many 1154 01:32:56.359 --> 01:33:00.079 generations can a trust go? If you die? Can you make sure that 1155 01:33:00.199 --> 01:33:02.920 your kids for the rest of their lives have to abide by it? Oh? 1156 01:33:03.000 --> 01:33:06.199 Yeah? Can you make sure that their kids abide by it? Yep? 1157 01:33:06.600 --> 01:33:11.159 Really? Yeah. So there's the famous thing that you're study in law 1158 01:33:11.159 --> 01:33:14.439 school called the Rule against Perpetuities that is designed to prevent trust from going on 1159 01:33:14.560 --> 01:33:18.479 forever. It's pretty archaic, but they've been modified so there are limits, 1160 01:33:19.399 --> 01:33:23.399 but yeah, they can go on for quite a long time. That even 1161 01:33:23.439 --> 01:33:26.079 when we were using that rules, twenty one years of a life and being 1162 01:33:26.199 --> 01:33:28.840 had was the measuring so a life and being exactly the way it is. 1163 01:33:29.439 --> 01:33:31.079 No, it's been modified by statute and it goes even farther now, so 1164 01:33:31.159 --> 01:33:34.880 you get okay, so you want to rule what your kids do, and 1165 01:33:34.920 --> 01:33:38.920 you know there's going to be enough money for their kids and their kids, 1166 01:33:39.359 --> 01:33:42.479 but eventually it has to end. Eventually, there has to be some way 1167 01:33:42.520 --> 01:33:45.760 to end it. But what does there have to be some way to modify 1168 01:33:45.800 --> 01:33:49.760 it. What if everyone involved now a generation later is opposed to it. 1169 01:33:50.119 --> 01:33:53.159 Yeah, there is. There is a way to modify it, and that's 1170 01:33:53.199 --> 01:33:55.800 going to court and asking them with the court to modify it unless you build 1171 01:33:55.840 --> 01:33:58.840 some stuff into the trust agreement saying how that will be done. Larry, 1172 01:33:58.960 --> 01:34:00.760 you have a question, Go ahead, Larry, Welcome to the show. 1173 01:34:00.800 --> 01:34:05.520 I'm Tom Martino. Yeah, Tom, I have mentioned this before, but 1174 01:34:06.000 --> 01:34:12.479 when it comes to iras or four one ks, they should not be transferred 1175 01:34:12.520 --> 01:34:18.479 into a trust for distribution because they become immediately taxable. Wait is that true, 1176 01:34:18.520 --> 01:34:20.800 though? I don't. I don't see why they would be taxed. 1177 01:34:20.920 --> 01:34:25.920 Well, hold on, aren't they always taxable? Though? The isn't the 1178 01:34:26.079 --> 01:34:30.479 rule? The estate pays tax on anything that has not paid tax. So 1179 01:34:30.640 --> 01:34:32.439 IRA's and four one ks are a little bit different because they're holding money that 1180 01:34:32.520 --> 01:34:35.119 has not been taxing. Right. Yes, as the recipient, if it 1181 01:34:35.159 --> 01:34:39.319 comes directly to you, you're going to declare that as income. You know, 1182 01:34:39.399 --> 01:34:44.319 there's science directly to a recipient, they're not taxable, Yes, they 1183 01:34:44.359 --> 01:34:46.239 are, Larry, Larry. Let me let me put it to you this 1184 01:34:46.359 --> 01:34:51.039 way. If you put one hundred thousand dollars in an IRA or a four 1185 01:34:51.039 --> 01:34:55.239 to one K, and it grows, right, and you start and it 1186 01:34:55.399 --> 01:35:00.359 was qualified money, right, and then it starts going out to you your 1187 01:35:00.439 --> 01:35:04.479 airs. No matter how you distribute it, tax will be paid on it, 1188 01:35:05.840 --> 01:35:12.039 that's right. But it could be paid at lower rate depending on how 1189 01:35:12.119 --> 01:35:16.640 it's withdrawn. But if it's put into the trust, it's immediately a taxable 1190 01:35:16.760 --> 01:35:20.920 event for the entire amount. Oh, I didn't know that. I mean, 1191 01:35:21.000 --> 01:35:24.960 I don't know that actually, And Dan, you're not really a tax 1192 01:35:24.960 --> 01:35:27.560 attorney, but do you know that? But but Larry, So, what 1193 01:35:27.680 --> 01:35:30.640 you're saying is this, if somebody there there is a rule on some of 1194 01:35:30.720 --> 01:35:33.239 these four to one k's that if you inherit a four oh one K, 1195 01:35:33.800 --> 01:35:39.359 you have to take a distribution over a certain number of years, right right, 1196 01:35:39.520 --> 01:35:43.039 Dan, over ten years, right now, and then you must pay 1197 01:35:43.199 --> 01:35:45.279 tax when you take it, not on the whole thing, but you can 1198 01:35:45.680 --> 01:35:50.119 you can usually get it at a lower rate depending on your income. Well, 1199 01:35:50.439 --> 01:35:55.359 when you say lower rate, that's all subjective. It's not necessarily a 1200 01:35:55.439 --> 01:35:59.439 lower rate. It spread out, is what you mean to say. Because 1201 01:35:59.600 --> 01:36:03.159 if you get it as on your income and your deductions, you're at right, 1202 01:36:03.359 --> 01:36:06.359 that's right. So, but what you're saying is, and I don't 1203 01:36:06.399 --> 01:36:09.319 know if it's true, but I'm not going to call you a liar. 1204 01:36:09.359 --> 01:36:13.159 I think you probably researched it. You're saying, if it's a lump sum 1205 01:36:13.319 --> 01:36:16.760 into a trust as opposed to being left to an individual, if it goes 1206 01:36:16.880 --> 01:36:21.239 into a trust, all of the taxes are paid at that time. That's 1207 01:36:21.359 --> 01:36:26.720 correct, And that's that's my uncle's estate. He had over a million dollars 1208 01:36:26.800 --> 01:36:30.760 in these iray went into the trust and they had to pay the tax immediately. 1209 01:36:31.800 --> 01:36:36.640 Hmmm. Yeah, dealing with the IRA's through estate planning is generally pretty 1210 01:36:36.680 --> 01:36:40.760 complicated. We got some books that look like phone books on how to advise 1211 01:36:40.800 --> 01:36:45.079 people on how to do IRA planning. So there is an element there, 1212 01:36:45.479 --> 01:36:47.720 certainly. Yeah, Larry's got a point, but there are yeah, because 1213 01:36:47.880 --> 01:36:51.079 really, if you think about it, the trust is the recipient at that 1214 01:36:51.199 --> 01:36:55.079 point, right, Yeah, I mean when you know, usually we built 1215 01:36:55.119 --> 01:36:57.560 in what's called conduit provisions, and the trust is saying, trust, you 1216 01:36:57.720 --> 01:37:00.359 just take this money and immediately shoot it out to the beneficiary, and that 1217 01:37:00.159 --> 01:37:04.880 can that can result in the beneficiaries being tasked, which is usually yes, 1218 01:37:05.000 --> 01:37:10.600 what you want as larious. It says here where when I looked it up, 1219 01:37:11.920 --> 01:37:15.279 there's two different kinds of trusts, and it depends on what kind of 1220 01:37:15.359 --> 01:37:18.520 trust it is. What's a grant or trust than a non grant or trust. 1221 01:37:18.840 --> 01:37:23.159 So grant our trust is a trust that the income earned by that trust 1222 01:37:23.279 --> 01:37:26.560 is taxed to the person who made the trust. So like most living trusts 1223 01:37:26.560 --> 01:37:29.000 are grant to r trust, you just keep paying the taxes like you always 1224 01:37:29.079 --> 01:37:31.800 have. A non grant or trust is a trust, like an irrevocable trust 1225 01:37:31.880 --> 01:37:35.079 you're putting assets into, and it's got its own taxpayer a D number, 1226 01:37:35.159 --> 01:37:41.640 and files its own tax return. It says here the Secure Act made in 1227 01:37:42.399 --> 01:37:48.439 it says that all of the money must be withdrawn over ten years of the 1228 01:37:49.159 --> 01:37:56.000 original owner's death, and it says that this change can accelerate the income tax 1229 01:37:56.079 --> 01:38:08.640 impact on beneficiaries. Trust just beneficiaries can possibly navigate the same rules it can 1230 01:38:08.840 --> 01:38:11.800 if it has those provisions I mentioned earlier about being able to shoot that and 1231 01:38:11.840 --> 01:38:15.000 come right out to the beneficiaries. But you know, sometimes you could be 1232 01:38:15.000 --> 01:38:18.800 at risk. A trust, like an entity receiving assets, can be It 1233 01:38:18.840 --> 01:38:21.520 can be crunched down in five years. But Larry, that's a good point 1234 01:38:21.560 --> 01:38:25.520 though. You're right, Larry. The short answer is you have to always 1235 01:38:25.600 --> 01:38:30.840 take into consideration tax implications. Oscar, Oscar, real quick? What is 1236 01:38:30.920 --> 01:38:36.279 your question? Thank you Larry, Oscar go ahead? Are you there? 1237 01:38:36.319 --> 01:38:40.800 Oscar? Go ahead? Do you hear me? Yes? I can. 1238 01:38:41.880 --> 01:38:47.520 A couple of years ago with heavy I trust updated from Michigan to fornatho we 1239 01:38:47.720 --> 01:38:56.000 moved here to work Colorado. Is there anything we have to do to update 1240 01:38:56.279 --> 01:39:00.239 or well? You know, there's two sides of this coin here. One 1241 01:39:00.319 --> 01:39:02.520 is the documents. They probably cite Florida statutes, which you know, I 1242 01:39:02.560 --> 01:39:04.960 mean, you're can have a Florida you have Florida trust even when you live 1243 01:39:05.000 --> 01:39:11.640 here in Colorado. So but I would generally recommend that you confer and just 1244 01:39:11.760 --> 01:39:15.800 make sure because they might have some different rules around what a spouse is entitled 1245 01:39:15.840 --> 01:39:18.039 to receive in a blended family situation, you know, things like that. 1246 01:39:18.720 --> 01:39:21.000 And then the other side of the coin is how have you funded it? 1247 01:39:21.159 --> 01:39:25.000 Do you actually like is your house here in the trust? Have you put 1248 01:39:25.079 --> 01:39:27.600 other assets in the trust? And usually that's a good idea to review that, 1249 01:39:27.720 --> 01:39:32.079 but usually in general it's better to have the trust in the state where 1250 01:39:32.119 --> 01:39:41.439 you live or will die generally unless unless the tax implications are so more favorable 1251 01:39:41.560 --> 01:39:45.600 somewhere else. But can you literally make a trust anywhere you want or do 1252 01:39:45.680 --> 01:39:47.600 you have to have a connection to that state? I mean usually there's a 1253 01:39:47.640 --> 01:39:51.159 connection, but like it's the trustee or there's money there or some asset. 1254 01:39:51.359 --> 01:39:54.680 Well, I mean, what if I just want to make it somewhere that 1255 01:39:55.000 --> 01:40:00.000 has favorable taxes and stuff and favorable laws. I mean to pull that up. 1256 01:40:00.239 --> 01:40:01.960 I think you know, so that that you have to make an uh, 1257 01:40:02.560 --> 01:40:06.239 some kind of presence there. Yeah, so that The most common use 1258 01:40:06.319 --> 01:40:10.079 for this is asset protection trusts. Yeah, I know, people used to 1259 01:40:10.079 --> 01:40:13.279 have to go off for Now there's states like Nevada and Wyoming that let you 1260 01:40:13.279 --> 01:40:15.920 set up asset protection trusts there. To make that work, you got to 1261 01:40:15.039 --> 01:40:19.000 have money or some asset in the estate in the in that state. You 1262 01:40:19.079 --> 01:40:23.199 got to hire a trustee there. They've got an entire industry now set up 1263 01:40:23.239 --> 01:40:25.960 the states to help. There has to be a connection. You have an 1264 01:40:26.039 --> 01:40:29.039 artificial presence there, correct, Yeah, just like in Wyoming, Like if 1265 01:40:29.039 --> 01:40:30.399 you have an LYC in Wyoming, you got to have your ristered agent there. 1266 01:40:30.840 --> 01:40:33.119 Right. We have more coming up on the Troubleshooter Show. Three O 1267 01:40:33.199 --> 01:40:43.000 three seven one three A two five five Go with a sure thing Denver's best 1268 01:40:43.079 --> 01:40:46.079 roofer Excel Roofing dot com. You don't pay a cent until you're content. 1269 01:40:49.479 --> 01:40:55.760 Time for an insurance checkup free, no obligation comparison call Compass Insurance paying too 1270 01:40:55.840 --> 01:41:00.159 much your coverage at dozens of insurance companies find out now three oh three and 1271 01:41:00.239 --> 01:41:02.600 seven to one. Help. You'll think you're his only customer when you choose 1272 01:41:02.640 --> 01:41:08.079 Frank durand the real estate Man dot com to list your home with Remax Alliance 1273 01:41:08.319 --> 01:41:15.960 three all three nine two zero sixteen twenty two. Hi Tom Martino here, 1274 01:41:18.159 --> 01:41:21.079 we have a few minutes left in this hour. Andrew has a question on 1275 01:41:21.199 --> 01:41:25.520 inheritance. Go ahead, Andrew, you're on with Tom Martino and Dan McKenzie. 1276 01:41:26.439 --> 01:41:32.600 Okay, thank you very much. A state administrator received very small amount 1277 01:41:33.000 --> 01:41:40.720 under one hundred thousand dollars. I need to know taxes out of way. 1278 01:41:40.800 --> 01:41:45.960 Pay taxes on that that was from proceeds of a sale of the condo of 1279 01:41:46.199 --> 01:41:55.439 the deceased. Okay, I don't know that necessarily taxes would be due if 1280 01:41:55.479 --> 01:41:59.239 there's an estate tax. The estate pays it, but that starts at thirteen 1281 01:41:59.279 --> 01:42:01.479 million bucks right now, So unless the estate had that much money. So 1282 01:42:01.600 --> 01:42:08.119 when you inherit something, and unless it's a qualified plan where taxes haven't been 1283 01:42:08.159 --> 01:42:11.640 paid, you don't have to pay tax on it. Right. That's a 1284 01:42:11.720 --> 01:42:17.239 gift. So Andrew, if someone left you one hundred thousand in cash or 1285 01:42:17.319 --> 01:42:20.039 left you a condo and you made one hundred thousand, it's the same thing. 1286 01:42:20.199 --> 01:42:24.199 I told the condo and made the one hundred thousand. Yes, but 1287 01:42:24.359 --> 01:42:28.479 that's still under the two fifty so should be fine. Correct, Well two 1288 01:42:28.600 --> 01:42:31.119 fifty? What do you mean two fifty? Well, if she was an 1289 01:42:31.319 --> 01:42:36.520 individual owner, she would only pay taxes over two fifty. Correct, she 1290 01:42:36.640 --> 01:42:41.720 would. Hold on, you're mixing up games. You're mixing up differently. 1291 01:42:41.920 --> 01:42:45.159 You're talking about capital gains tax. If she had sold, if the decedent 1292 01:42:45.239 --> 01:42:47.520 had sold that condo during her lifetime, she would have gotten two hundred and 1293 01:42:47.520 --> 01:42:53.439 fifty thousand a game before paying capital gains tax. Capital gains tax the basis 1294 01:42:53.520 --> 01:42:57.880 gets stepped up to her date of death value when she died. So if 1295 01:42:57.920 --> 01:43:00.800 there's been significant gains she died, and if you sold it within the year 1296 01:43:00.880 --> 01:43:04.680 of her death. There probably isn't there. You know, there's no capital 1297 01:43:04.760 --> 01:43:09.680 game, see Andrew. What we mean is you don't go to her basis. 1298 01:43:10.520 --> 01:43:13.600 You go to your basis. Your basis is the day she died. 1299 01:43:15.520 --> 01:43:19.680 How much did you sell it for? It was very cheap, it was 1300 01:43:19.880 --> 01:43:25.439 Blinster Gardens five. Well, let's say it was five hundred thousand or a 1301 01:43:25.520 --> 01:43:30.199 million. And when she died, even if she bought it at two hundred 1302 01:43:30.199 --> 01:43:33.960 thousand when she died, if it was worth eight hundred thousand and you sold 1303 01:43:34.000 --> 01:43:39.520 it for a million, you're still under the amount. So capital gains is 1304 01:43:39.640 --> 01:43:45.159 due on real estate. The estate pays capital gains, but capital gains are 1305 01:43:45.239 --> 01:43:49.800 not figured on original basis. They're figured on the stepped up basis. Is 1306 01:43:49.880 --> 01:43:54.399 that correct? That's correct? So the MOS short answer is, you don't 1307 01:43:54.399 --> 01:43:58.800 know tax act? How do I pay your final taxes? All right? 1308 01:43:58.840 --> 01:44:00.479 Hold on and we can answer that, okay, because that is important. 1309 01:44:00.720 --> 01:44:05.000 If there are final dozen of state hacks, the file a tax report for 1310 01:44:05.119 --> 01:44:10.840 final taxes. We'll talk about that coming up on the Troubleshooter Show. Three 1311 01:44:10.920 --> 01:44:14.000 oh three seven, one, three, eight, two five five on Tom 1312 01:44:14.079 --> 01:44:17.039 Martino with McKenzie log Dan McKenzie, which is at co Plans dot co. 1313 01:44:17.600 --> 01:44:21.840 Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't 1314 01:44:21.880 --> 01:44:29.680 pay a cent until you're content. Plead time for an insurance check up free, 1315 01:44:29.800 --> 01:44:33.920 no obligation comparison call Compass Insurance paying too much your coverage at dozens of 1316 01:44:33.960 --> 01:44:38.520 insurance companies find out now three oh three seven to seven to one help. 1317 01:44:38.720 --> 01:44:42.479 You'll think you're his only customer when you choose Frank durand the real estate Man 1318 01:44:42.560 --> 01:44:46.000 dot com to list your home with Remax Alliance three oh three nine two zero 1319 01:44:46.159 --> 01:45:01.640 sixteen twenty two rip. So you don't have come, run in just as 1320 01:45:01.720 --> 01:45:10.239 fast as we can. Shooter's gonna help come man. This is the Troubleshooter 1321 01:45:10.399 --> 01:45:15.159 Show. No Tom Martino, Hi, Tom Martino here, Welcome to the 1322 01:45:15.239 --> 01:45:19.880 show. Three O three seven one three talk three O three seven one three 1323 01:45:19.880 --> 01:45:27.680 eight two five five. We're here with Dan McKenzie. He is with Mackenzie 1324 01:45:27.760 --> 01:45:30.199 Law. He does a state planning and we'll talk about anything you want. 1325 01:45:30.239 --> 01:45:33.920 We've had a busy morning, a lot of things to talk about. I 1326 01:45:34.000 --> 01:45:39.399 want to talk about those gift cards a guy or prepaid cards a guy talked 1327 01:45:39.439 --> 01:45:43.199 about because it's really important earlier in the show. By the way, our 1328 01:45:43.279 --> 01:45:45.600 number you can call right now and reach us at three oh three Martino, 1329 01:45:45.720 --> 01:45:49.680 or leave a message anytime during the day or night on that number and leave 1330 01:45:49.720 --> 01:45:54.119 your number and we will get back to you. So this guy bought four 1331 01:45:54.279 --> 01:46:01.439 red Verizon prepaid cards are actually Total by Verizon cards Total by Verizon, and 1332 01:46:01.560 --> 01:46:10.000 then he bought four Verizon. He didn't buy four Verizon prepaid cards. Okay, 1333 01:46:10.319 --> 01:46:15.920 there's two different cards, and I look this up and it's incredible because 1334 01:46:16.600 --> 01:46:26.079 they're two completely different products. Verizon Prepaid is a totally different card than Total 1335 01:46:26.159 --> 01:46:33.800 by Verizon. Total by Verizon is a whole separate thing, and it's a 1336 01:46:33.920 --> 01:46:39.920 separate service provided by Verizon. It's just that's all. And you can only 1337 01:46:40.079 --> 01:46:45.119 use the cards in total for total. So if you buy a Total by 1338 01:46:45.279 --> 01:46:50.760 Verizon card, you can only use it for total. Buy Verizon, which 1339 01:46:50.880 --> 01:47:02.000 is simply a prepaid market period and that's it. It's for prepaid phones period. 1340 01:47:04.039 --> 01:47:10.800 Actually is for prepaid everything. Network's lines, all kinds of stuff. 1341 01:47:11.600 --> 01:47:17.279 It's a no contract network, so five g Ultra and all those but whatever 1342 01:47:17.359 --> 01:47:21.000 it is, it all comes from that, and they have like Disney Plus 1343 01:47:21.119 --> 01:47:27.319 that comes with some of the subscriptions. But here's the deal. Verizon Prepaid 1344 01:47:28.319 --> 01:47:33.159 is simply a prepaid service directly by Verizon. This is so confusing, I 1345 01:47:33.399 --> 01:47:40.239 can't believe it. So here's the problem. If you buy a card for 1346 01:47:40.520 --> 01:47:47.039 Verizon Prepaid, you buy those cards, they can't be used for Total by 1347 01:47:47.199 --> 01:47:51.439 Verizon. And if you buy a Total by Verizon card, it can't be 1348 01:47:51.560 --> 01:47:57.800 used for Verizon Prepaid. I've never been more confused in my life. I 1349 01:47:57.840 --> 01:48:00.319 don't blame that guy. So when you go to buy a Verizon card, 1350 01:48:02.600 --> 01:48:10.560 if you're a single line customer and you need to pay for international features and 1351 01:48:10.800 --> 01:48:17.880 all of that, then Verizon Prepaid is what you're looking for. But if 1352 01:48:17.960 --> 01:48:23.600 you have a specific prepaid plan, they say you want totaled by Verizon. 1353 01:48:24.079 --> 01:48:29.119 Do you understand what that means? Because I don't. I'm reading directly from 1354 01:48:29.159 --> 01:48:33.359 them. So this guy can't use the cards that he bought. And like 1355 01:48:33.479 --> 01:48:40.920 I said, this is crazy, It's absolutely crazy. Now, what about 1356 01:48:42.960 --> 01:48:49.159 when you have a non compete clause in your contract? We found out that 1357 01:48:49.399 --> 01:48:59.319 Colorado and many other states do not enforce most non compete clauses they're very very 1358 01:48:59.439 --> 01:49:03.359 restrictive as to or very it's very limited which ones will be enforced in the 1359 01:49:03.439 --> 01:49:10.039 courts. Basically, if someone tries to get you on a non compete, 1360 01:49:12.000 --> 01:49:18.680 they have to show that you have trade secrets and we're in management, that 1361 01:49:18.840 --> 01:49:26.199 it's reasonable in scope and duration and geographic area, that you've been paid for 1362 01:49:26.319 --> 01:49:33.920 that period of time, and that you don't owe them, or they can 1363 01:49:34.000 --> 01:49:38.159 claim you owe them for training and all of that. But here's the thing. 1364 01:49:39.359 --> 01:49:44.199 Almost no one is given consideration or compensation for that period of time. 1365 01:49:44.560 --> 01:49:48.920 So if your contract simply says you can't do this for two years after you 1366 01:49:49.039 --> 01:49:56.600 leave us, it's almost useless because there's no payment for it. Now, 1367 01:49:56.720 --> 01:50:02.159 some contracts say a portion of what you're being paid is for the next two 1368 01:50:02.279 --> 01:50:09.159 years or for two years after you leave us, but even that is questionable, 1369 01:50:09.840 --> 01:50:19.439 so be aware that those kinds of clauses are hardly ever enforced. We 1370 01:50:19.600 --> 01:50:27.079 also had someone who signed a lease for six months and thought that it automatically 1371 01:50:27.399 --> 01:50:31.720 ended. Here's the point. It probably does if it doesn't say anything else. 1372 01:50:32.319 --> 01:50:36.680 But some of these leases for six months or a year have some stuff, 1373 01:50:38.159 --> 01:50:44.399 have some wording, and here's what it says something like this, if 1374 01:50:44.479 --> 01:50:51.279 we do not hear from you that you will be ending the lease within thirty 1375 01:50:51.399 --> 01:50:56.439 days, forty five days, or sixty days of this lease ending, it 1376 01:50:56.720 --> 01:51:00.880 automatically reverts month to month. So, in other words, even though it's 1377 01:51:00.880 --> 01:51:08.840 a six month lease, you must let them know if you're terminating and then 1378 01:51:08.960 --> 01:51:14.199 you leave. If not, it's true you no longer have that six month 1379 01:51:14.319 --> 01:51:17.640 lease or one year lease, but it will continue month to month. That's 1380 01:51:17.760 --> 01:51:23.880 very important. Don't assume that just because it's a six month lease you just 1381 01:51:24.000 --> 01:51:28.159 walk away in six months. This gets a lot of people in trouble, 1382 01:51:30.359 --> 01:51:34.239 and it's really weird. It's really weird how that can happen. Now, 1383 01:51:35.119 --> 01:51:43.039 another one Brandon sigleyan who's a tenant landlord attorney and he represents a lot of 1384 01:51:43.159 --> 01:51:46.840 landlords. Basically, he's saying, you have to be aware of a house 1385 01:51:46.880 --> 01:51:56.560 built twenty four dash ninety eighteen in Colorado. What this says is that now, 1386 01:51:56.680 --> 01:52:00.359 listen, this is really important if you're renting out anything, If you're 1387 01:52:00.359 --> 01:52:04.159 a landlord, even if you're only a landlord for one house, you're renting 1388 01:52:04.199 --> 01:52:08.800 out a house. You know a lot of people buy a house or two 1389 01:52:08.880 --> 01:52:13.960 to rent out. This is going to seriously affect you because this is called 1390 01:52:14.279 --> 01:52:18.600 just cause. The nickname is a just cause bill. This just cause bill 1391 01:52:18.720 --> 01:52:28.560 says this in essence that you must renew any lease unless you have just cause 1392 01:52:28.720 --> 01:52:31.399 not to. So. Really, then, if you have a year lease, 1393 01:52:31.600 --> 01:52:34.760 really it could be more than a year lease. If you have a 1394 01:52:34.800 --> 01:52:36.920 two year lease, it could be more than two years. If you have 1395 01:52:36.960 --> 01:52:41.359 a six month lease, it could be more than six months. In fact, 1396 01:52:41.399 --> 01:52:44.920 if you have a month to month lease, it could be more. 1397 01:52:45.079 --> 01:52:48.680 It could be ever forever unless you have just cause. And guess what, 1398 01:52:49.119 --> 01:52:58.880 just wanting to get your house back is not just cause. So this is 1399 01:52:59.560 --> 01:53:05.680 being considered by our liberal lawmakers in Colorado. And I mentioned that because that's 1400 01:53:05.800 --> 01:53:10.800 exactly what it is. It's a liberal move to help tenants. And that 1401 01:53:11.039 --> 01:53:15.800 is what progressives are known for. And by the way, I have something 1402 01:53:15.800 --> 01:53:20.920 to say about that. There's nothing wrong with having progressive laws and conservative laws, 1403 01:53:20.960 --> 01:53:24.960 depending on what you're talking about. When it comes to consumers' rights. 1404 01:53:25.039 --> 01:53:28.880 I love progressive some of the progressive laws, some of them are stupid, 1405 01:53:28.960 --> 01:53:32.119 like this one. But I'm going to tell you a progressive law I think 1406 01:53:32.159 --> 01:53:36.439 they should pass. But this one is to just cause law. And if 1407 01:53:36.439 --> 01:53:41.520 they are bill, and if it's passed into law, it's going to be 1408 01:53:41.720 --> 01:53:45.600 terrible. Landlords have to have just cause to get rid of tenants, and 1409 01:53:45.680 --> 01:53:51.479 then they have to prove it. Just cause would be lack of payment or 1410 01:53:51.600 --> 01:53:57.279 if you're moving into your home, or if they're a nuisance, but it 1411 01:53:57.399 --> 01:54:00.479 must be proven. So really, somebody just refuses to leave and says you 1412 01:54:00.600 --> 01:54:04.399 have to renew me, that's it. Then you have to prove you have 1413 01:54:04.640 --> 01:54:09.880 just cause. Think about that. Evictions are not going to be easy at 1414 01:54:09.920 --> 01:54:15.640 all. Now as long as the progressive or liberals in Colorado are making all 1415 01:54:15.800 --> 01:54:20.279 kinds of laws, they've criminalized things, they're helping tenants, They've done a 1416 01:54:20.399 --> 01:54:28.039 lot of things in their mind to help consumers. And I'm not saying that's 1417 01:54:28.079 --> 01:54:33.039 a bad thing in all cases, But why haven't they helped people living in 1418 01:54:33.359 --> 01:54:42.520 hoa communities. Why is it that every law that is brought up in our 1419 01:54:42.680 --> 01:54:48.880 liberal or progressive legislature is turned down when it comes to helping people in hoa 1420 01:54:49.000 --> 01:54:58.520 communities. Now HOA communities, big hoas and law firms and management companies would 1421 01:54:58.680 --> 01:55:02.119 usually be favored by conservatives. I mean, this is just historic. I'm 1422 01:55:02.159 --> 01:55:05.399 not talking politically here. I am, but I'm not. I'm not saying 1423 01:55:05.439 --> 01:55:09.680 one is bad and one is good. Usually conservatives will say, no, 1424 01:55:09.720 --> 01:55:14.279 I don't put any restrictions on these has and these big management companies. Let 1425 01:55:14.479 --> 01:55:18.840 free enterprise take over, whereas liberals would usually say people need protection from large 1426 01:55:18.920 --> 01:55:25.960 corporations and large has. But in this case, hoas and management companies, 1427 01:55:26.479 --> 01:55:32.000 they thrive in both a conservative and a liberal environment. They thrive they can 1428 01:55:32.079 --> 01:55:38.920 do anything they want, practically anything they want. So I think you have 1429 01:55:39.159 --> 01:55:44.680 to make it more on the residence side. People who live in condos and 1430 01:55:44.760 --> 01:55:49.239 town homes have to have more access to records without being charged ridiculous fees, 1431 01:55:49.760 --> 01:55:54.720 and they have to have a right to question expenses and all of that. 1432 01:55:55.960 --> 01:55:58.880 Now, obviously they have to pay their dues and all of that, but 1433 01:55:59.319 --> 01:56:02.479 there's got be a better mechanism for the exchange of information. Right now, 1434 01:56:02.680 --> 01:56:05.239 HA say, well, that's just the way it is. And if you 1435 01:56:05.279 --> 01:56:11.640 want to see the records. One HOA actually went so far as to say 1436 01:56:11.800 --> 01:56:15.800 it was going to cost eleven dollars. This is applewood. The HOA guy 1437 01:56:16.000 --> 01:56:18.640 says, oh no, if you want to see the records. It's going 1438 01:56:18.680 --> 01:56:24.520 to be eleven. Why can't you give online access to residents so they can 1439 01:56:24.560 --> 01:56:27.479 see the budget? What would be wrong with that? Who cares? I 1440 01:56:27.520 --> 01:56:30.399 mean, they have a right to see the budget. No, no grant, 1441 01:56:30.560 --> 01:56:33.239 grant you. I know a lot of owners they get pissed off when 1442 01:56:33.239 --> 01:56:40.760 their HOA does go up. I get that, but they should have a 1443 01:56:40.880 --> 01:56:45.119 right to see the expenses. There's nothing wrong with that. So these are 1444 01:56:45.199 --> 01:56:48.199 some of the things we've been discussing on the show. Deputy Doc has a 1445 01:56:48.279 --> 01:56:54.159 comment, Go ahead, Doc, what's going on? Hey Tom? Yes, 1446 01:56:54.199 --> 01:56:59.720 sir, I have two questions. If if that thing with the least 1447 01:56:59.760 --> 01:57:05.199 can does that allow the landlord to raise the rent or does it have to 1448 01:57:05.319 --> 01:57:10.840 have continuing the same rent. If so, it's just a sneaky way to 1449 01:57:10.920 --> 01:57:14.720 get rent controls into Denver the way they did in New York. Yeah, 1450 01:57:14.880 --> 01:57:17.560 except that's not the case in this case. I'll talk about it coming right 1451 01:57:17.600 --> 01:57:20.119 back. I'll tell you how they get around that. Three oh three seven 1452 01:57:20.159 --> 01:57:29.520 one three eight two five five. Go with a sure thing Denver's best roofer 1453 01:57:29.680 --> 01:57:35.920 Excel roofing dot com. You don't pay a cent until you're contents time for 1454 01:57:36.000 --> 01:57:41.720 an insurance check up free no obligation. In comparison, call Compass Insurance paying 1455 01:57:41.800 --> 01:57:45.840 too much your coverage at dozens of insurance companies find out now three oh three 1456 01:57:45.000 --> 01:57:48.760 seven seven to one help. You'll think you're his only customer when you choose 1457 01:57:48.800 --> 01:57:54.199 Frank durand the real estate man dot com to list your home with Remax Alliance 1458 01:57:54.439 --> 01:58:00.319 three oh three nine two zero sixteen twenty two him you know you're troubleshooter three 1459 01:58:00.399 --> 01:58:03.960 h three seven one three talks seven one three eight two five five. Can 1460 01:58:04.039 --> 01:58:08.479 we get Brandon Sigali and on by the way working on it? Yeah, 1461 01:58:08.479 --> 01:58:13.439 I have another question for him. Deputy Doc brought up something he said with 1462 01:58:13.600 --> 01:58:16.520 this just caused bill, if it goes into a law, it would say 1463 01:58:16.600 --> 01:58:25.199 that you must renew the lease. You must renew it unless you have just 1464 01:58:25.399 --> 01:58:30.680 caused not to. But does that mean you must renew it at the same 1465 01:58:30.840 --> 01:58:33.720 terms and conditions? And if so? Doc brings up a good point. 1466 01:58:34.199 --> 01:58:39.319 If you're paying let's say twenty five hundred a month and all the rent around 1467 01:58:39.359 --> 01:58:41.960 you is going up, I mean, does it mean we have rent control 1468 01:58:42.039 --> 01:58:47.960 now or does it just renew? And do you get to raise the rent 1469 01:58:48.439 --> 01:58:51.600 or does it have built in rent controls. Doc. I don't know the 1470 01:58:51.680 --> 01:58:58.520 answer to that. All I know is if a lease goes month to month, 1471 01:59:00.039 --> 01:59:05.640 you can raise rent under normal conditions, but I don't know what happens 1472 01:59:05.720 --> 01:59:13.720 with this new law. I'm going to try to get Brandon siglian On to 1473 01:59:13.840 --> 01:59:17.199 find that out. Good We got him. Bring him up, Brandon. 1474 01:59:18.319 --> 01:59:23.680 Thanks jem Listen, I have a question for you that somebody brought up, 1475 01:59:23.760 --> 01:59:30.079 Deputy Doc who works with us. So let's say this goes into law and 1476 01:59:30.199 --> 01:59:36.079 the just cause clause says the landlord must renew under a must renew the lease 1477 01:59:36.159 --> 01:59:41.520 unless they have just cause not to. So let's say somebody's renting a place 1478 01:59:41.600 --> 01:59:46.079 for twenty five hundred a month and it's the end of a year lease and 1479 01:59:46.319 --> 01:59:50.680 I do not have just cause I have to renew. Does that mean I 1480 01:59:50.840 --> 01:59:56.760 must renew for another year? And do I have to charge the same rent 1481 01:59:56.920 --> 02:00:00.239 or is there a limit to what I can increase. That's a good question, 1482 02:00:00.399 --> 02:00:04.119 Tom. It's a little bit nuanced and not quite clear in the law, 1483 02:00:04.239 --> 02:00:10.960 but yes, essentially, there can be just caused if you propose a 1484 02:00:11.159 --> 02:00:14.640 new lease at the end of the year and the tenant refuses to sign it. 1485 02:00:15.239 --> 02:00:20.119 But the terms have to be substantially similar, and you can't increase rent 1486 02:00:20.239 --> 02:00:25.159 for the purpose of getting around the law. So in other words, you 1487 02:00:25.199 --> 02:00:30.000 can't say I'm going to triple the rent that'll get them out. But that's 1488 02:00:30.119 --> 02:00:32.279 vague. I mean, is there an actual percentage limit to what I can 1489 02:00:32.359 --> 02:00:36.520 raise the rent or what No, sir, it just says or you have 1490 02:00:36.720 --> 02:00:42.680 you can't do it in retaliation. So what is an amount that's commercially reasonable 1491 02:00:44.079 --> 02:00:46.680 is unknown. See, this is going to cause a lot of lawsuits. 1492 02:00:46.760 --> 02:00:53.680 So Brandon, you're telling me that they will require landlords to renew leases. 1493 02:00:53.800 --> 02:00:57.359 Does it mean if it was a five year lease they have to renew it 1494 02:00:57.479 --> 02:01:00.760 for five years, or if it's a one year least, do they have 1495 02:01:00.960 --> 02:01:04.920 to do it for one year. It's not clear, but effectively the same 1496 02:01:05.079 --> 02:01:11.079 terms as the previous lease. So yes, having long term leases like that 1497 02:01:11.199 --> 02:01:15.479 would be very problematic as well as it's gonna be problematic for a landlord to 1498 02:01:15.840 --> 02:01:21.039 take any kind of risk analysis on you know, when to try to get 1499 02:01:21.079 --> 02:01:26.319 the lease to end. Like as you mentioned earlier, it's an unknown quantity. 1500 02:01:26.359 --> 02:01:30.239 You don't know when you're leasing to somebody how long they think they're going 1501 02:01:30.279 --> 02:01:36.000 to stay, because it's absolutely ridiculous. Yeah, I mean, it really 1502 02:01:36.199 --> 02:01:43.199 is absolutely ridiculous. Yeah, there's a lot of tenants and situations that you 1503 02:01:43.279 --> 02:01:47.199 can't prove as a landlord. It's tough to prove you've got drug activity, 1504 02:01:47.279 --> 02:01:50.960 but you can't prove it you've got you know, you've got legal chop shop. 1505 02:01:51.000 --> 02:01:55.159 I've got that. Cause those are tough cases for a landlord to prove, 1506 02:01:55.720 --> 02:01:57.680 and now they have to go to they're going to have to prove it. 1507 02:01:57.760 --> 02:02:02.960 They just can't wait for the least to expire to get about. Look 1508 02:02:03.000 --> 02:02:09.399 at I think that tenants need some protection from a landlord who's crazy that just 1509 02:02:09.479 --> 02:02:13.439 wants to make life difficult for people. But if you sign a one year 1510 02:02:13.520 --> 02:02:16.039 lease, it's a one year lease. I mean, I think it's unfair 1511 02:02:16.880 --> 02:02:20.720 to you know, I don't know. It just seems weird to me that 1512 02:02:20.880 --> 02:02:27.000 you're trying to tell people what to do with private property exactly. And that's 1513 02:02:27.039 --> 02:02:30.600 been one of the primary points that this is basically a taking of property and 1514 02:02:30.680 --> 02:02:33.560 it's an influence with the contractual rights of the parties to decide what they want 1515 02:02:33.600 --> 02:02:38.800 to do with their property. But this has been apparently tried in a few 1516 02:02:38.880 --> 02:02:42.840 states, in a few cities, and it's kind of the trend to go. 1517 02:02:43.359 --> 02:02:45.800 You know, my concern is affordability and availability. You know, I 1518 02:02:45.880 --> 02:02:48.640 have three kids on my own that I want to be able to afford the 1519 02:02:48.680 --> 02:02:51.920 rent and be able to find a place one day, and there's gonna be 1520 02:02:51.960 --> 02:02:55.680 a lot of landlords or to stay the heck with it. And once you 1521 02:02:55.760 --> 02:03:00.439 put all the all of the rentals in the possession of only a handful of 1522 02:03:00.119 --> 02:03:03.560 management companies, which is going on around the United States in the last decade, 1523 02:03:04.000 --> 02:03:08.840 a few companies have started to buy up all the rentals, then they'll 1524 02:03:08.880 --> 02:03:13.279 have the ability to just make the terms, you know, and the rents 1525 02:03:13.279 --> 02:03:16.720 will go up, the availability will go down, and you know, that's 1526 02:03:16.800 --> 02:03:20.880 just not actually good for tenants in the long run. Man, is this 1527 02:03:21.119 --> 02:03:27.359 crazy, Brandon? I mean, I don't know, you know, I 1528 02:03:27.439 --> 02:03:29.800 don't know what it's going to do to the market, but it's not going 1529 02:03:29.880 --> 02:03:31.720 to be good. Whenever you try to interfere with the free market, it 1530 02:03:31.840 --> 02:03:38.520 gets crazy. Now exactly. I'm surprised they didn't just come right out and 1531 02:03:38.640 --> 02:03:45.479 do rent controls. They have tried last session Governor Polis has made it clear 1532 02:03:45.600 --> 02:03:50.800 that he's not a strong supporter of rent control. They passed twelve bills last 1533 02:03:51.159 --> 02:03:56.119 session, and Governor pull has actually issued a little letter to cascaucas saying, 1534 02:03:56.800 --> 02:03:58.960 I see what you're doing here, a lot of new laws, but it 1535 02:03:59.039 --> 02:04:02.720 doesn't seem to help with affordability and availability. So maybe you need to kind 1536 02:04:02.760 --> 02:04:05.960 of go back to the drawing board. And I don't think they took his 1537 02:04:09.399 --> 02:04:14.159 took that to heart, but this just caused addiction, in my opinion, 1538 02:04:14.199 --> 02:04:16.560 as a precursor to rent control. They need this in effect in order to 1539 02:04:16.640 --> 02:04:25.319 effectuate rent control. Brandon, have you heard of this new thing in California? 1540 02:04:25.520 --> 02:04:30.199 Because you know as well as I do, what starts in California eventually 1541 02:04:30.439 --> 02:04:34.039 ends up in Colorado. I mean that has been the trend now for the 1542 02:04:34.159 --> 02:04:43.800 last fifteen years. Yeah, it's called yardsworth And I heard that one to 1543 02:04:44.239 --> 02:04:48.399 now you have I have not. Okay, here's what it is. Because 1544 02:04:48.479 --> 02:04:54.199 there's such a housing shortage. You know how everyone used to fight to keep 1545 02:04:54.279 --> 02:04:59.840 their neighborhoods to a certain level, certain size homes, certain numbers of homes, 1546 02:05:00.079 --> 02:05:04.000 a lot certain things right at unrelated parties living together all that's going to 1547 02:05:04.079 --> 02:05:09.399 hell. They're going to allow unrelated parties to live together. They're going to 1548 02:05:09.600 --> 02:05:13.239 let I mean as far as families more than three. They're gonna it's going 1549 02:05:13.760 --> 02:05:19.159 right now. The emphasis is on reducing homelessness. So in California they decided, 1550 02:05:19.279 --> 02:05:25.359 no matter what kind of neighborhood you're in in if you're in California, 1551 02:05:25.840 --> 02:05:31.279 you can subdivide your yard. This company comes in. Now listen, I 1552 02:05:31.399 --> 02:05:39.279 swear to God, this company comes in and sub divide your yard and make 1553 02:05:39.439 --> 02:05:42.600 if you have a backyard in a side yard that people can walk to, 1554 02:05:43.760 --> 02:05:47.439 they will sub divide your yard and pay you for it and then build a 1555 02:05:47.520 --> 02:05:56.239 tiny home on it. Think about that. They're allowing that. So you 1556 02:05:56.359 --> 02:06:00.079 could be in a neighborhood with big lots forget. It could be a neighborhood 1557 02:06:00.079 --> 02:06:02.760 of here's a big one, little one, big one, little one, 1558 02:06:03.199 --> 02:06:08.319 big, little, little, little, little big. It's called yardsworth. 1559 02:06:08.399 --> 02:06:13.000 People need to look at it. But I think that'll be coming here. 1560 02:06:14.760 --> 02:06:16.640 Keith has a question about this bill. Go ahead, Keith, what's your 1561 02:06:16.720 --> 02:06:23.039 question? Okay, Tom, I guess I'm confused. Is the bill about 1562 02:06:23.159 --> 02:06:28.800 rent control or is the bill about taking away a property owner's ability to actually 1563 02:06:29.159 --> 02:06:31.359 remove a tenant. I can't just so they're saying, I can't just end 1564 02:06:31.520 --> 02:06:38.760 someone's least. That's right. You have to renew it unless unless you have 1565 02:06:39.079 --> 02:06:43.159 just cause not to. Okay, what' isn't that right, Brandon? Cause? 1566 02:06:43.760 --> 02:06:49.439 Correct? And what are they considering just cause about? Just because I 1567 02:06:49.560 --> 02:06:53.680 don't want a renter in themore? I want to move back in now, 1568 02:06:53.720 --> 02:06:56.640 if you want to move back in, that's one of the allowables, right, 1569 02:06:57.039 --> 02:07:00.159 Brandon, it is. But it's again, you know, they made 1570 02:07:00.199 --> 02:07:04.560 it so complicated. If you if it is basically your only home, if 1571 02:07:04.640 --> 02:07:10.199 you have multiple perposes and you could move into another property, then they let's 1572 02:07:10.199 --> 02:07:12.840 say you'll move into your other property, don't move into the back to the 1573 02:07:12.920 --> 02:07:15.439 one that's been your family home for ten years or whatever that might be. 1574 02:07:16.399 --> 02:07:20.960 So it has to be a property on your driver's license to trailer go with 1575 02:07:21.079 --> 02:07:26.199 a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a 1576 02:07:26.319 --> 02:07:33.600 cent until you're content. Time for an insurance checkup free no obligation comparison call 1577 02:07:33.720 --> 02:07:39.439 Compass Insurance paying too much your coverage at dozens of insurance companies. Find out 1578 02:07:39.520 --> 02:07:42.439 now three oh three seven to seven to one. Help. You'll think you're 1579 02:07:42.520 --> 02:07:45.359 his only customer when you choose Frank durand the real estate man dot Com to 1580 02:07:45.479 --> 02:07:50.199 list your home with Remax Alliance three oh three nine two zero sixteen twenty two. 1581 02:07:51.479 --> 02:07:58.199 Hi Tom Martino, your troubleshooter three o three seven one three talk three 1582 02:07:58.239 --> 02:08:03.840 oh three seven one three eight two five five. So let's continue. Gerald 1583 02:08:03.960 --> 02:08:07.399 has unclaimed property he wants to talk about. Go ahead, Gerald, Yes, 1584 02:08:07.479 --> 02:08:13.560 sir, you know I got a postcard back in twelve six of twenty 1585 02:08:13.640 --> 02:08:20.840 two that I had unclaimed property. I went ahead online. I filled out 1586 02:08:20.880 --> 02:08:28.520 all the papers the Department of Treasury Unclaimed Property. They have forums to fill 1587 02:08:28.560 --> 02:08:33.239 out. Who sent you the information? Who sent you the information? The 1588 02:08:33.359 --> 02:08:39.720 state? It was the state, because hold on, I don't know of 1589 02:08:39.800 --> 02:08:43.640 the state sending out information ever. But you got this from the state. 1590 02:08:43.720 --> 02:08:52.199 Yes, it's the State of Colorado, Department of the Treasury Unclaimed Property Division. 1591 02:08:52.920 --> 02:08:58.520 Wow. Okay, And so what did they say? How much did 1592 02:08:58.560 --> 02:09:03.039 they say you had coming n and fifty nine dollars and seventy one cents? 1593 02:09:03.640 --> 02:09:09.479 And where'd they say it came from? They didn't. I don't know how 1594 02:09:09.680 --> 02:09:15.159 they got it. I've got a small business, and Gerald, I'm very 1595 02:09:15.439 --> 02:09:18.880 I am very very surprised, I really am. Do you know, Dan, 1596 02:09:20.159 --> 02:09:24.000 you deal a lot with properties and stuff. I don't. I know 1597 02:09:24.199 --> 02:09:28.800 that treasure hunters send those out and take a percentage. But I've never heard 1598 02:09:28.880 --> 02:09:33.279 of the government tell from a cheet funds telling people to have money there. 1599 02:09:33.479 --> 02:09:37.000 Have you heard of that? I don't. I feel like I've been notified, 1600 02:09:37.039 --> 02:09:39.920 but it might have been one of the one of the ass that you 1601 02:09:39.000 --> 02:09:45.039 mentioned. Can you tell me do you have that notice there? Yes? 1602 02:09:46.319 --> 02:09:50.680 And it looks legit to you, right, Oh yeah? And in turn, 1603 02:09:52.119 --> 02:09:56.600 I went online and it does show that they owe me money. I 1604 02:09:56.640 --> 02:10:03.439 don't know how they got my check. It was from a job that I 1605 02:10:03.600 --> 02:10:09.840 did from Safeway, because I do work for Safeway food stores. Well, 1606 02:10:09.920 --> 02:10:15.359 it had to have been deposited, listen. It had to have been deposited 1607 02:10:15.520 --> 02:10:20.920 somewhere and left abandoned, and then it's transferred to as cheet funds with the 1608 02:10:22.000 --> 02:10:28.439 treasury. But but is there an account you might have closed and what happened 1609 02:10:28.520 --> 02:10:33.479 is the bank got the check after you closed it or shortly whatever you forgot 1610 02:10:33.520 --> 02:10:37.479 about it. Oh yeah, I did close one bank account, which I 1611 02:10:37.600 --> 02:10:39.760 think it was. And okay, well then that's what happened. So what 1612 02:10:39.960 --> 02:10:45.479 is your question about getting the money? I can't get it. I sent 1613 02:10:45.680 --> 02:10:50.239 all the paperwork and then they says, no, it doesn't go my TIN 1614 02:10:50.399 --> 02:10:56.319 number for my business. I had to go to the IRS to get a 1615 02:10:56.399 --> 02:11:03.199 paper showing that that is my number. Then I sent everything back to them 1616 02:11:05.079 --> 02:11:09.119 and I'm still waiting. This was back in November that I sent the new 1617 02:11:11.359 --> 02:11:16.239 How do you know it was a payment from Safeway? Well, it states 1618 02:11:16.319 --> 02:11:22.039 on here reporting company is Safeway Incorporated. Okay, here's what you do. 1619 02:11:22.960 --> 02:11:28.079 Go to Safeway and tell them and let them because if that was never cashed, 1620 02:11:28.520 --> 02:11:35.479 you get the money, right, so let them just take go ahead. 1621 02:11:35.840 --> 02:11:41.920 But Colorado says they have it. But I don't understand why you can't 1622 02:11:41.000 --> 02:11:45.760 get it. I mean, what is it is this business? Is it 1623 02:11:45.840 --> 02:11:48.880 made out to you personally or to your company? No, it's my company 1624 02:11:50.000 --> 02:11:56.079 name. Is your company still in business? Yes? And what do they 1625 02:11:56.199 --> 02:12:07.000 mean your PIN number is wrong? Uh? My taxpayer ID number? Oh? 1626 02:12:07.039 --> 02:12:11.119 Well is it wrong or right? No? I got the paper from 1627 02:12:11.199 --> 02:12:16.720 the IRS to show and that this is the right number, because I send 1628 02:12:16.760 --> 02:12:22.760 them a double but does the check make mention of a different number. No, 1629 02:12:24.159 --> 02:12:28.479 then what do they mean your pin your EI in number? It's your 1630 02:12:28.520 --> 02:12:33.000 EI in number I think you're talking about. They say it doesn't match their 1631 02:12:33.079 --> 02:12:37.720 records. Right, Well, no, I gave them my social security number 1632 02:12:39.279 --> 02:12:45.279 and they says no, they wanted my business number. So I hear EI 1633 02:12:45.520 --> 02:12:50.960 n right, Yeah, So I sent that to him and nobody to call. 1634 02:12:50.239 --> 02:12:56.359 There's nobody to talk to. I did go down to the office down 1635 02:12:56.399 --> 02:13:01.880 there on two hundred East Cofax, and there's a gal there that takes the 1636 02:13:03.039 --> 02:13:09.039 forms. I gave her all these forms and she says thank you. I 1637 02:13:09.119 --> 02:13:13.159 says, is there any way to check? Call the number? You call 1638 02:13:13.239 --> 02:13:20.159 the number and nobody answers. They just tell you to go online check and 1639 02:13:20.319 --> 02:13:26.760 it keeps saying the same thing. They're still waiting for information, and that's 1640 02:13:26.800 --> 02:13:31.720 all it says. Does it say what information? No? If you start 1641 02:13:31.800 --> 02:13:39.359 from scratch, If you start from scratch, what happens. Well, I 1642 02:13:39.479 --> 02:13:45.479 sent it in with my social Security number. It's not going to work. 1643 02:13:45.560 --> 02:13:48.600 They want your EI number. Yeah. Well, I send them a W 1644 02:13:48.840 --> 02:13:56.399 two with the EI number on it and I circled it in read to show 1645 02:13:56.439 --> 02:13:58.840 them and he says, no, they don't. They need more information. 1646 02:14:05.560 --> 02:14:09.840 Okay, your EI in number when you go online, and they ask when 1647 02:14:09.880 --> 02:14:15.199 you go online and start over and put in your EI in instead of your 1648 02:14:15.279 --> 02:14:18.960 social security not sending in a form and circling it, but doing it online. 1649 02:14:20.399 --> 02:14:24.479 Have you tried that? Well, it says that I'm putting in the 1650 02:14:24.560 --> 02:14:31.960 wrong information even when you put in your EI in number. Yes, okay, 1651 02:14:33.520 --> 02:14:37.680 I don't know. Why don't they have a phone person that will answer 1652 02:14:37.760 --> 02:14:43.600 to damn phone. Well, I'll tell you why. Because they can't afford 1653 02:14:43.680 --> 02:14:48.399 it anymore. No one has phone support anymore. I'm looking at the website 1654 02:14:48.439 --> 02:14:52.319 that says that they claim phone hours are from Tuesday to Thursday, from nine 1655 02:14:52.399 --> 02:14:56.159 am to three pm. They do have phone hours. I got to take 1656 02:14:56.159 --> 02:14:58.720 a break man hold on three oh three seven one three eight two five five 1657 02:15:01.439 --> 02:15:05.720 go with a sure thing Denver's Best roofer Excel roofing dot com. You don't 1658 02:15:05.720 --> 02:15:11.520 pay a cent until you're content. Time for an insurance check up free, 1659 02:15:11.640 --> 02:15:16.279 no obligation. In comparison, call Compass insurance paying too much your coverage at 1660 02:15:16.319 --> 02:15:20.000 dozens of insurance companies find out now three O three seven to seven to one 1661 02:15:20.119 --> 02:15:24.800 help. You'll think you're his only customer when you choose Frank durand the real 1662 02:15:24.880 --> 02:15:28.439 estate man dot com to list your home with Remax Alliance three oh three nine 1663 02:15:28.479 --> 02:15:35.560 two zero sixteen twenty two. I'm Martino here three three seven one three Talk 1664 02:15:35.640 --> 02:15:39.520 Jay. You have a comment on the Colorado give Back. This guy's having 1665 02:15:39.560 --> 02:15:43.079 a problem. But our attorney today, Dan McKenzie, found that they do 1666 02:15:43.239 --> 02:15:46.560 take phone calls on certain days, So Gerald, I'd recommend those days. 1667 02:15:46.640 --> 02:15:52.680 What's your comment, Jay, I think it's a big lie. The Great 1668 02:15:52.720 --> 02:15:56.399 Colorado give Back has never given anybody their money back. We you know, 1669 02:15:56.720 --> 02:16:01.039 we've tried to try to try to get our hitting stack just for laughs, 1670 02:16:01.079 --> 02:16:03.079 to see what it would take to get it back. We've been doing that 1671 02:16:03.239 --> 02:16:07.479 for fifteen years. Maybe wait a minute, Wait a minute, I've got 1672 02:16:07.720 --> 02:16:11.640 I've gotten money back from them. You've never gotten any money back. So 1673 02:16:11.920 --> 02:16:15.479 I send my wife things once in a great, great while. It says 1674 02:16:16.159 --> 02:16:18.279 when it comes from Colorado, it says how much it is. We've had 1675 02:16:18.319 --> 02:16:22.279 the minor guys, you know, send us at first money there, and 1676 02:16:22.359 --> 02:16:28.319 then we've had search through her social Security number and it comes up with there's 1677 02:16:28.399 --> 02:16:31.359 money there. But We've never been able to get it back. You know, 1678 02:16:31.640 --> 02:16:33.000 Jay, I'm going to look into this. Maybe we're going to get 1679 02:16:33.040 --> 02:16:37.840 someone from States and PR people. But Gerald, what are those calls? 1680 02:16:37.079 --> 02:16:41.680 Do you have those calls? If they were it was Tuesday to Thursday nine 1681 02:16:41.719 --> 02:16:46.399 to three Tuesday, Wednesday and Thursday nine am to three pm, Gerald, 1682 02:16:46.479 --> 02:16:52.440 they say they'll take your phone call. It's an automated call center that tells 1683 02:16:52.479 --> 02:16:58.760 you to go online or are you kidding me? Not try it? They 1684 02:17:00.120 --> 02:17:03.600 will not talk to you. There is no life person. God Almighty, 1685 02:17:03.719 --> 02:17:09.360 this is getting ridiculous. Listen, No, I've been doing this for almost 1686 02:17:09.440 --> 02:17:13.639 a year now, Okay, hold on. I just want to tell people 1687 02:17:13.079 --> 02:17:16.920 I got a lot of email about Grossman Wellness. Yes I am a patient, 1688 02:17:18.000 --> 02:17:22.159 and I just want you to know that it's a few hundred bucks a 1689 02:17:22.239 --> 02:17:26.959 month for everything. I just want you to know that Grossmanwellness dot Com two 1690 02:17:28.079 --> 02:17:31.559 hundred and forty nine to get your initial examine blood work with no obligation, 1691 02:17:31.760 --> 02:17:35.840 but you get a ton of information Grossman Wellness dot Com. Thank you Dan 1692 02:17:35.920 --> 02:17:41.120 mackenzie for being here. We appreciate it. He's at Coplans dot Co.