Yea d news need advice, so you don't have come run as fast as
the cad Shooter's gonna help come. Man, This is the Troubleshooter Show now,
Tom Martino, Martino here, Welcome to the show. Three oh three
seven one three Talk is our number three all three seven one three eight two
five five. Welcome to the show, the only show that's kind anywhere in
the universe where we are solving problems. You know, I haven't done a
tally recently for this year, but we're halfway through the year, aren't we.
Or we're gonna see Jenniferman aren't Yeah, at the end of this month
anyway. So there have been several millions of dollars in cash, merchandise,
exchanges, refunds and services as always, and we love when we do that
because it can help people. So if you have a problem with any kind
and you need help, give us a call. That's the important thing.
Don't let it fester, don't let it sit there for a long time.
And I have a guest to say I'll bring up in a second here about
home improvements. I love talking home improvements. Now, did you know that
there is a move There is a move with companies to be politically correct and
to be to brag about their diversity and commitment to inclusion and all that,
which is all well and good. I mean, you would hope that just
all of that stuff's natural and we all do it. But anyway, there's
a big move on that, and there's nothing like highlighting our differences in everything
there is, because that seems to be what politics does. But in any
case, I often wondered, as a consumer advocate to people care, do
people shop based on how they feel the company fits into their life? And
they're fullilosophy? What do you think? And we did some there's some analysis.
Not we me, but this one research firm. They went out and
interviewed thousands and thousands of adults to find out who buys what and why.
I can do my own experiment. I have college some college guys in here
today with K and H home solutions their interns. That would be cool.
I'm serious, that would be cool. Is there a microphone? Handy?
Guys, don't expect me to remember your names. I'm just gonna call you
A B and C. So I'll start with a Seriously, what school do
you go to turn that on and off? When you talk. Yeah,
just make sure. Okay, go ahead. So okay, yeah, I'm
Olan, talk right into that, Nolan. Okay, you can do that.
To school. I go to LSU and ban ruthe what do you still
I'm studying marketing, marketing? Can you hear my Ra Shannon? Okay?
Now, oh, you are studying marketing. Pretty cool. Just point the
mic to your mouth there, just moving. You can move it anywhere you
want. I can do this all right. What do you really marketing?
I'll imagine that's changed. I had marketing courses. What do you tell me
what you have actually learned about marketing? Really? How? What year are
you in? I'm going to be a senior next year? Oh cool?
So what have you learned? Have you learned anything really obvious? You must
have, right? Yeah? I enjoy a lot of the advertising side of
it, consumer behavior studying, like how to target markets and stuff like that.
Sure have you gotten is college marketing? Now? When I was in
college, obviously there was no digital marketing. Do you guys emphasize a lot
of digital? Yeah, that's a huge thing. I just took an entire
class this last semester about online targeting, like search engine optimization, stuff like,
now, do you have professors that know what the hell they're talking about?
You think? You like that? Cool? So I want to you're
excellent to ask do you think and I'm serious now, younger people, I
wanted you to talk about the people you know and your people. You can
give other observations, but do you make any purchases? Do you avoid or
like companies based on what you think their personality is? You do like if
there are mean companies or nasty or good companies or friendly companies? So to
you, companies do take on personalities? Yeah? I mean brand image is
a really big like factor in Do you think it's a really big thing with
people that you hang out with? Uh? Yeah? Was it really?
Is it a really big thing in your marketing class? Uh? Yeah?
We talked about like brand image and having an identity a bunch now then talking
like that, do you care about political stances of a company when they come
out and see, let me just tell you where I stand. So I
don't submarine you, I don't sneak attack you. I think corporations are too
wide and vast and various and do not have the responsibility should not to take
political stands and here's why. Who's going to take the stand? Is it
the CEO, is at the board of directors, is it the management,
middle management, some of the employees. Well, that's a bunch of crap
because it's made up of me and you, and liberals and conservatives and in
betweens and people who don't care about politics. You know what it's made up
of retirement accounts. Do you know? Most corporations are regular people. There's
very few top heavy people. They're regular people. What we do is we
invest in a corporation and we put it in our four to one k or
we want it to make money, and we don't give a rip what they
think, except obviously, I personally do care about certain things I do like
I don't personally invest in certain things like tobacco and certain things. That's just
a personal thing. But I don't care about their political or philosophical stances.
And I think it's disingenuous for someone in a corporation to come out and take
a stand. They're not speaking for the stockholders. Those stockholders are varied across
the country. Now, I'm not expecting you to agree with me, by
the way, but I wanted to let you know where I stand before I
start asking these questions, so I don't bait you. So I'm thinking,
I think me it's immoral, and I mean immoral in a sense that you
are you are not carrying the best interests of your corporation. Your corporation should
make money. I don't think it should take a social stand. I just
don't think it will should unless it's in the business of taking social stands.
Like you are a company that makes you know, memes and things or T
shirts and you take stand you're one of those companies. Again, I want
to know, do you when you say you personally choose companies based on brand?
What goes behind that decision? You know? Me, personally, I
don't make a lot of decisions based off of politics. But okay, a
lot of my friends and people I associate with have stronger political views than I
do, and they will they will or do they make a choice? Well?
Are there certain cars they wouldn't buy because of the company? Are there
certain clothing they wouldn't buy, or there's certain products they wouldn't buy because of
a company? Yeah? Well, I mean a lot of it is with
my age group. It's just trends and so you don't. But it's a
product trend or company trend, a company trend for sure, because like let's
say, super popular brands like Nike, Lululemons. Yeah, you just buy
it because your peers have it. You don't buy it because you research what
they're into. And so you just like the companies because of the brand.
Okay. So when a company comes out and says we are for diversity and
inclusion and and and and we are combating our carbon footprint, we're helping with
with climate change and all of that doesn't make a difference to you when it
actually comes to shopping me personally, no, But I think what that does
is that it empowers one group and it turns another group off. So it's
you're very smart, does guys real quick in the middle? Real quick?
Now? Number B. He's actually the owner's son. I should know his
name, but Amy, Yeah, my name is Canaan Caanan. Go ahead.
What do you think about marketing and what no companies and brands? What
do you think buying decisions? To be honest, I don't. I don't
really think about it too much. Okay. I agree with what he was
saying about trends and stuff like that. It's just the brand or the product.
Yeah, you don't think about the company, the management, what they
believe in. Uh No, I don't even I don't really hear too much
about that, okay. With I mean there's certain companies I don't know if
I should say, but go ahead, Like I've heard people talk about and
like some people don't want to eat Chick fil A for whatever their beliefs are,
okay, and stuff like that. But no, I've heard that too.
Yeah, but I've even heard that said about Tesla and Elon Musk.
Yeah for sure. But me personally, I don't think too much about it,
Okay, Yeah, is it? Okay? So when you do buy
and you do shop, you just go buy trends. Yeah, trends are
just like what I personally think is like a good quality product. Okay.
Disquality matter to you, Yeah, I think like I really like he brought
up Nike. I really like Nike. I think they make all like whatever
I buy from them is always a good quality piece of clothing or stuff like
that. Okay. So if I'm gonna spend a lot of money on something
because it is expensive, I know it's gonna be good quality and it'll last
a long time. Let's go to C, A, B and C here.
I'm sorry, guys, I'll get your name straight. Go ahead.
It was Josh. And for the thing that they were talking about, brand
image for me does actually matter. Maybe not political stance, but brand images,
like give me an example. I don't know if I can give an
example for an actual company off the top of my head, but let's just
say Blizzard. Blizzard's a gaming company that they had a huge scandal a while
back about them harassing female employees. Okay, and that bothers you, right,
and I completely stop purchasing. Okay, So it does matter they're they're
kind of philosophy or what they let or what they let pass or okay,
because that's been going on I Blizzard apparently for many, many many years.
Okay, Now, what about political stance? Then you don't you care more
about real issues like like like how people are treated and all of that,
But what about the political stance if somebody takes a political stance. Me personally,
I'm not big into politics yet. I am nineteen, so politics don't
have a very really big impact in my life. Maybe in the future I
will, but as of right now, no, Okay, it doesn't.
And so when you buy something, it's based on either the merchandise or like
you said, in that one company they had a reputation for harassing females.
It's based on quality and just the company's reputation overall. Okay, cool,
that's very good. Now I'm going to go to the calls. I have
to take this break. So this question on real estate, get me primed
here to Steve and I'll answer. What is it about? Are you there,
Steve? Yes? I am okay. What is your question on real
estate? Ten thirty one exchanges? Got it? Can you hold on with
that? That's a big topic, and I'll give you the right information.
Coming up, I'm Tom Martino. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until you're content. Time
for an insurance check up free, no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies find out now three O three,
seven to seven to one help. You'll think you're his only customer. When
you choose Frank durand the real estate Man dot com to list your home with
Remax alliance three oh three nine two zero sixteen twenty two. Hey Tom Martino
here three oh three seven one three talk three oh three seven one three two
five five. Steve wants Stephen wantson O or Steve wants to know about a
ten thirty one tax free exchange. It's actually a text deferred exchange. But
you take your gains from one piece of property, put it in a like
piece of property. Your basis then is adjusted on that new property, and
you carry your gain forward. So let's talk about it, Steve, what
would you like to know? Well, in two thousand and nine, my
wife and I purchased a rebuilt home and we did it mainly because we moved
our son into it, so it was an income property. Right, No,
if we bought it and he moved in it, and that's pretty much
that and he's still in it. But so you didn't declare it as a
residence though, right, it's not a residence, is that right? It's
not a primary residence, now, is it? Do you call it a
secondary residence? This is important, I'm asking for a reason. Yeah.
No, we've really never declared anything name Okay, good, keep going.
Then we've never profited from it and we just maintained it, you know,
normal stuff. But anyway, we are in the process of moving to another
county and we would very much like to be able to exchange that property that
my son lives in, or a like property in that county. Yeah,
but when you say it like property, you're moving your primary residence to another
county. Is that what you're saying. You're selling your primary residence, right,
that's correct. So you want to sell your primary residence, plus you
want to sell this the secondary home, and you want to take all of
that money and buy a new home. Well, no, we want to
buy two homes. Okay, that's what I need to know. So you're
selling your home and buying another primary home. Then you want to take your
son, then you want to sell that home and buy another second home.
That's correct, right, because with your primary residence, you don't have to
do any exchange. You get five hundred thousand dollars exclusion with your wife and
you. So on the secondary home, you don't. On the secondary home,
you don't get any exclusion. And it might be deemed unfortunately an income
property, whether you made income or not. Let me explain that if you
have a secondary property and you don't treat it as a primary residence or you
don't treat it as a vacation residence. There's a possibility there will be an
imputed depreciation when you sell it, meaning that even though you did not take
depreciation, it's imputed and your basis goes down anyway. Okay, so there's
that possibility. I'm not sure though, if you never took a dime and
your son lived in it. I had never had this situation come up where
where you know, there are people who had a rental and never took depreciation
and thought they had a higher basis and they didn't. But no matter what,
you can the quick answer is that's very easy. No matter what your
basis is, you can do a ten thirty one yes into a second home.
It's better, though, to declare that a rental, whether you get
money on it or not. I mean it because otherwise you can't buy another
house. I mean, it's got to be like for like, and you
don't get to have two residences. Your wife can have one and you can
have one, or you can have one and then the other one must be
a income property. If it's a vacation home, you don't get any capital
gains treatment. So and it's not a vacation home, so make it an
income property. You don't have to claim income. But that's what it will
be now. The only so you're going to have a lower basis on this
house because how long have you owned it? Since? Nine? My god?
You so you have ten years of depreciation. You're going to have a
very low basis. We may want to get my accountant on. I might
be telling you that you need to take depreciation when you don't. But I
know one thing for sure. It can't be a resident. It can't be
a residence at all because you can't have two and you can't ten thirty one
into another house. You can ten thirty one like for like. So let's
just find out the best way to do that. And you know, ka
China, I don't know why after all these years and I have people call
in all the time. I used to have a ten thirty one expert.
Did we ever keep the name of anyone We've had people call in to say
I'm a ten thirty one expert. Have we ever kept any of those names?
I'm not sure, but I can't. I think I got one.
You got oh Mark, Well, I thank you for chiming in, bro
I mean I think that that would be good. If we don't have a
ten thirty one expert. Yeah, hold tight, I'll find him, all
right, And if he doesn't find him, just on the off chance,
then let's get our accountant on one of our accountants on three oh three seven
one three A two five five. So hang on and we'll come back to
you and get you an exact answer. But here's how ten thirty one works,
Steve. You can do it. You can identify the house and then
sell your house, or you can sell your house and then identify the house.
You don't have to do it simultaneously. You just have to get an
intermediary to do it. Does that make sense? Yeah, and that's what
my next question would be, is you have a referral for now? I
don't have. I used to have a qualified mediary, I intermediary or whatever
they call it, a ten thirty one media. Let's see what do they
call them? It a ten thirty one brokeer I used to call them.
But whatever, you have to have one to do it an well, you
don't, but you would be insane not to. They know how to do
it. They know the ins and outs, They take possession, They then
make the trade, because that's really what you're doing. You're making a trade
right, and the intermediary handles it. They take possession of one, then
you take, and then they swap it for the other. So why don't
you hold on and we'll get you some answers on that specifically three oh three
seven one three talk three oh three seven one three eight two Go with a
sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free no obligation compares and
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three oh three seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi
Tom Martine here three ol three seven one three talk seven one three eight two
five five Waterpros dot net. Water Pros the best water systems ever in your
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waterpros dot Net. Hey, let's talk. Okay, we have Claudine.
She has a follow up. Claudine has a twenty eighteen Cadillac XT five.
She took it to the dealer with an AC problem and they said the thermostat
was stuck open. Charged for eighteen hundred bucks. So she later on talked
to someone who said I could have saved you four hundred bucks, and I
told her, you really can't do stuff like that. I mean, you
can, but there's not much we can do about the original shop that charged
her four hundred dollars. More. Now, there's something called unconscionability. Let's
say that she went to a guy and he charged her six grand and it
should have been six dollars. I mean, obviously the common man would say
that's unconscionable, but we're this guy tells her after the fact, well,
I would have saved you four hundred dollars, I said, Clouding. There's
not much we can do, and I don't even recall that we took this
on as a problem, nor did we contact them. But you're calling us
with a follow up. What's going on, Claudine, Let me bring you
up here. I'm sorry, it's my fault. Go ahead, Claudine,
Sorry, go ahead. Hi Tom. I contacted the a Cadillac dealer in
Colorado Springs, the one that did the work, Yeah, the one that
was a little high price. Yes, yes, yes, And I told
him about the Cadillac dealer in Greeley, where I live. I had talked
to them. Yeah, okay, So I talked to the manager there at
Red Nooland in Colorado Springs. He said he would check it out and call
me back, which he did, and he had contacted the Cadillac dealer in
Greeley. And then he notified me that that Colorado Springs charges quite a bit
more per hour for labor because of the location. And he did get down
to the baseline that they did overcharge me for labor. Well, when he
said overcharge you, I thought he just said though they charged normally more in
Colorado Springs, right, they do, They do charge quite a bit more.
Did he charge Did he say he charged you more than they usually charge
or just overcharged compare to Greeley. He just said that they checked their records
and they charged too many hours. Oh wow, okay, wow, okay,
so they are going to send me as substantial refund. That is wonderful.
How much four hundred and seventy three dollars exactly what you thought now,
so this is very interesting. He said, we have a higher labor rate,
and of course everyone can charge whatever labor rate they want, but he
was honest enough to say it wasn't the labor rate that was wrong. We
charged you too many hours. Yes, that's very that's very good that you
took that into your own hands to do that. Claudine. Yes, and
I'm glad he was very honest with me. Yeah, and I'm glad you
did that despite what I said, because I never thought of that. I
thought about, oh yeah, people charge different stuff, they can. I
never even dreamed it would have been an error literally charging more. But that's
good that you checked. It's good you saw a discrepancy and you checked.
And Claudine, Yeah, my hat's off to you on that one. That's
very good. Thank you. Yep, we got a dinger, but it's
not my dinger. We'd have to give that dinger to someone else, Thank
you, Shannon. I however, that dinger is I don't deserve at this
point three to zero three seven one three talk seven one three A two five
five. Yeah, Mark, did you come up with a ten thirty one
person? Yeah. I'm waiting for the CEO to call back. We had
him on a little I don't know a while. Back to company is ten
thirty one X. They're all over the country. Okay, good owner or
CEO as Sean. I should be hearing from him pretty soon and we'll get
them up good. Meanwhile, I have Ed. Ed's a good guy.
I've known him for years. Ed Tomlinson. He's a real estate broker in
town. And and uh, Ed, you have a comment. What's your
comment on the ten thirty one I do. I don't know if you're familiar
with ten thirty one DST. DST stands for Delaware Statuary. Well, what
would what would Delaware Statuary whatever have to do with us? Here? You
can ten thirty one into that and it's similar to a RITS that it's private.
Really wait wait, wait, so you ten thirty one into a company
out of Delaware that is crit and then what do they do they do,
big buildings, apartment buildings, everything that rits do except what's private. Now,
once you take but once you trade into it, you own part of
a rate. Yeah, well a private yes, but then that doesn't get
you the money to use for another house though. No. No, So
if you've got a bunch of rentals, oh, I see, if you're
not, If you're not interested in buying something else, if you're simply interested
in reaping some of your money and reinvesting it, you can reinvest it into
a rate and defer your gain, is what you're saying. Not a DST
A read is not legal for ten one? Oh satuary trust a statuary Okay,
very interesting, never heard of that before. Wow, I know that's
why I call Delaware Statutory Trust about it. That's very cool. Trust.
I'm going to ask the other guy about it. That's very cool. Thank
you. There's some there's some requirements. Some of them require a million dollars
net worth, some of the require two mil. But it's it's just like
a rip. You know why they require that, right? It's very simple
because they're they're doing the qualified uh investor, the qualified client versus an accredited
investor. Probably they need to make sure you're qualified. It's not open to
just anyone. That's probably why they're doing I think about twenty five thousand,
fifty thousand, a couple hundred. It's one has different options for you.
Okay, do you know people? Do you know people have done this?
Ed hmm no, okay, it's too new for me. All right,
thank you very much. I appreciate that. Three three seven one three talk
seven on three eight two five five? Fran what's happening? Fran? Hi?
Tom? How are you good? What's going on with you today?
Okay? Well, my son owns a condo and he's like the middle condo.
There's someone above him, someone below him. His tub is draining very
very slow, or not draining at all. He had a plumber come out.
They snaked it. They could only get so far that they didn't get
like any hair, youngk or you know, gunk out of his tub when
they snaked it. So the guy said, well, you're probably gonna have
to remove your tub and then we'll have to go from there. We're concerned
that the problem is not even with him, but it has something to do
in the condo building. Yeah, that's probably that's probably true. It's in
fact, it's most assuredly that because here's why. In a condo what you
have are very small service lines. A service line means the line exclusive to
the condo. The line exclusive to a condo can't be any longer than the
condo. I mean, it's a very short line. Everything else is a
common line. The problem you're going to have, And in fact, they
should have restrictions on snaking drains in a condo because you can screw it up
and then you'd be responsible for it. But if they're letting you do it,
there's nothing wrong with exploding it. However, if you have a problem
with a common line, the problem you're going to have is getting the HOA
to do anything about it, because they just don't want to spend money,
right, I don't know what to tell him. Well, here's what I
want to tell him. Here's what you do. First, have them go
and do his service line, and then if after they get to the common
line it doesn't work, then he'll have something to tell the HOA. And
then if it is the service line, one of the common excuse me.
If it is one of the common lines, then other condos have to be
feeling it. It can't do is he you said have him? What's that?
Who is he? You said? Have him by her son? Okay,
like have a plumber? Do what you mean? Like most anybody on
referral list isn't going to go out there. I just wanted to get that
out there before you said that and tell tell them why Mark, Well,
because they can screw up that main line exactly exactly. It's very difficult to
get people to work on stuff in a condo beyond the walls of that condo.
Okay, Mark, they would do a local snake right there, but
they will go and plumb line for example, or fix it. Will not
go into a commercial building. Yeah, I'm not saying no one on referral
list. There might be somebody Master Rooter might because they do commercial as well,
but they might not do condo. Did you call did your son call
the HOA or the management company and report this? I don't know. Okay,
that's what you do first. Here's what I do first time. I
do something different. What I'd pour some freaking draino down there, That's one
thing. Yeah, liquid plumber. I a gallon of it down there.
I love it now. Now now listen, I'm serious when I tell you
this. I love liquid plumber. I love it. It works, I
love it. But you gotta let it's set and then and then repeat it.
And because you let it set for like fifteen to twenty minutes and hit
it with hot, hot water, I'll tell him to keep trying now,
now hold on though. If that doesn't, never not him. It's something
else and it's just too expended. Let me ask you this, are other
Are other areas draining slowly? If he had a problem with the dishwasher at
one point and they were able to get that cleaned out, Yeah, the
dishwasher is a whole difference. That's a whole different thing. What about the
toilet, you know, are you having problems? And he said no,
Then I don't think. I think it's local with the tub, That's what
I think. I think it's hair and gook and all that crap. And
I think Marks Wright with that liquid stuff. Have him try that. But
then before you do any snaking, you contact your your hoa management company.
Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't
pay a cent, you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass insurance paying too much your coverage at
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help. You'll think you're his only customer when you choose Frank durand the real
estate Man dot Com to list your home with Remax Alliance three all three nine
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Com. Okay, so Josh has an issue with a neighbor. We also
have kN h in the house. We haven't gotten to yet, but some
very interesting things in the window business, like crazy stuff. And I love
when you get a local company like the I call it the oldest home improvement
company in Colorado that I know. And then you have an old established window
maker going into the residential world, and then you have them team up.
That's cool, Josh, what's happening with you? Josh? Welcome. Our
number, by the way is three oh three seven to one three talk seven
one three eight two five five, or of course you can always call it
three oh three Martino. Hey, Josh, what's happening? Hey, tom
So, I share my very back sense with a city property where they store
like the snowploud trucks and everything in the service vehicle. It's called the yard.
Yeah. And so today, in about three weeks ago, because I
worked from home a couple of days during the week, I noticed them in
the back burnings stuff. And when I peeked over the fence and saw it,
it looked like they were burning old like police evidence. It was brown
paper sacks with red tape on them that they were throwing into an incinerator.
And you know, the smoke with the wind was going all over the place
at times, walking over our house. And I hope not, but I
am a little bit concerned if they are burning drugs or possibly clothing, you
know what kind of stuff you know they're letting out, right, that's kind
of crazy, Like it's just an open kind of fires at a sealed incinerator.
What is it? I mean, from the outside, it almost looked
like a fifty gallon a little bit larger than a fifty gallon metal barrel on,
you know, like a cart type thing. And they were, you
know, it looked like they were feeding it with wood, but you know,
it almost sounded like a very muted, quiet jet engine for a better
part of two or three hours. And they had these browns, these brown
packages with tape on them, like obviously wrap that. Yeah, that looked
like I mean, there were brown paper bags with red tape over them that,
in my experience, are very commonly used for evidence at police departments.
And what city is this? But wheat Ridge, did you just call and
ask I haven't it just happened today? And I turned on the show and
I thought, man, I'll tell you what, I would be really curious
if you don't get any answers call us back, but just call them and
say, what the hell are you burning? Back? There was it was
there any kind of a particular foul smell or anything, or you just suspecting
it. I noticed it a couple of times, but the wind direction was
changed. It was quite variable, so you know it wasn't all the time
blowing, would you though, Josh, we will keep track of this call.
I'm going to write it down. I really want you to call me
back. In fact, during this show, if you can call him and
just ask him in a friendly way. I'm curious what you are burning.
Give me an idea and then call me back. We'll investigate it. If
you don't get the answers, I'm Tom Martino. We have more coming up.
Go with a sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh three seven seven to one
help. You'll think you're his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Ripped News. You don't have to run anxious
as fast as the kid shoots. Good the help coming man. This is
the Troubleshooter Show. No Tom Martino, Hi Tom Martino, your Troubleshooter.
Welcome to the show. Three all three seven one three talks seven one three
eight two five five. So Steve called in earlier and said I have a
house I wanted ten thirty one the house. We had to get an expert
on Mark called these people ten thirty one x dot com and we're going to
talk to Steve from that company. Just a little thing about a ten thirty
one. Really, what it is is just a way to differn to fur
tax gain. What you do is you take your capital gains instead of realizing
them and paying tax on them. If you make a profit on a piece
of real estate, a ten thirty one allows you to trade that real estate
into another piece of property where you transfer the gain into that next property and
you accumulate gain until you eventually sell it and then you pay your taxes.
So that Steve wants to know about this house. And before we we got
both, Steve Steve the caller and I'm just gonna call him mister hitcocks,
so we don't get them confused, Hitcocks is with ten thirty one x exchange.
Mister Hitcocks, I want to ask a question real quick on a ten
thirty one? Can you can you first of all tell us what does it
mean like for like In other words, you can't trade an airplane for a
piece of real estate. You can't trade I don't know, can you trade
a factory for a residential house? Or what is like for like? Well,
the tax coach says this, in order to qualify for a ten thirty
one, both the relinquished property and the replacement property must both be either held
for investment or used in business. But other than that, all real estate
isfe kind to all other real estate as long as that qualified use test is
met, held for investment, or used in trader business. Okay, So
that's the sixty four thousand dollars question with him because he has this house,
and I don't think it's a big argument. I don't think it's a hard
argument to make. It's held for investment, but it's not really a rental.
His son lives in it, he and so is that considered an investment
prior he bought a house? His son lives in it, So that is
would you call that an investment property? I would right. Well, here's
the thing, and that is the best evidence of whether a property is held
for investment is how you have treated it. How have you treated it on
your past tax returns. So if he has put it on his tax return
on his Schedule E and shown it on his Schedule E, that kind of
concludes that it's held for investment. On the other hand, if he has
never shown this on his tax return because his son has been living in it,
and he's never shown it on a tax return for any reason, then
that makes it a harder case to prove that it's held for investment. Now
I suspected something like that, So I want to ask that I want to
clarify this further. If he has a home and his son lives in it,
can he claim it on Schedule E even if he does not collect rent.
Yes, one more thing, and that is again, the easiest way
to prove that something is held for investment is you have it on your tax
return and you collect rent. Then it's proof positive that you're holding for it
for investment. Remember, it's always the burden of proof is always on the
taxpayer to prove in this case that the property is held for investment, so
the taxpayer has that burden when the issue arises, did you hold this for
investment or not? And that it's it's based on as usual, all the
facts and circumstances. Okay, Now what about this then? If he has
the house, his son lives in it, and he's never depreciated it does
does Schedule E demand depreciation? Well, the tax code demands depreciation, That's
what I meant. Yeah, okay, and improve and improved property that you're
holding for investment. Taking depreciation is actually demanded for right. A lot of
people don't realize that and explain what that means if you don't do it.
Well, it means that that it will be imputed to you. When you
sell the property. The irs will treat it as if you had taken depreciation
even you have it, So your tax liability will be based on a reduced
basis. As you take depreciation. Of course, your right basis goes down
every year, and they will presume that you did take it, and your
basis will be treated as having been reduced every year. Now let's talk about
this then. Is it too late for someone who's had a home, Well,
no, my god, he's had it for so long. But let's
say this, Let's say you've had it a few years, would it be
would it be considered improper to do an amended return and say, oh,
I meant to call this an investment property. You know, first of all,
amending tax returns is the IRIS doesn't respond very quickly. When you file
an amended return. You can't file it electronically. You have to file it
in paperwork form. And the IRS just is not really very well equipped to
handle amended returns. Yes, I do handle amended returns, but they're not
very good at it. So if you're finally amended return, don't think that
you're immediately going to get the IRS's attention by having done that. Okay,
but and and let's talk to Steve. And Steve, since two thousand and
nine has your son lived there? That's correct? So basically, you know,
eleven, twelve, whatever years, and you've never you've never received a
diamond rent, right right? And did you put it on your tax return?
No, Steve, I'm telling you that's a that's a tough one.
What do you think as far as calling it a trying to do a ten
thirty one right now. You know, I'm not sure you know, I'm
looking at it from the standpoint of I'm just trading or trading up for trading
down to another home in a different county. But it doesn't work that way.
It doesn't work that way, Steve. I mean that's what you look
at it. But the irony the government has codes. I mean, we
might look at it any way we want. I look at my salary as
being a gift, but it's not. It's income. So Steve, really
all joking aside, It doesn't matter what you think of it is you know,
Steve, is that blunt enoughocks? You mean, yes, I'm mister
hitcock. Sorry, yes, yes. And keep in mind though that if
you if you do a ten thirty one exchange and it gets challenged by the
IRS, you're going to have to pay the taxes that you otherwise would have
had to pay anyway. Plus in this case, you're certainly not going to
be penalized for doing this, So you would be required to pay the taxes
that you otherwise would have had to pay this transaction, plus the IRS interest
rate on those unpaid taxes. So that's the risk that you're taking here.
It's not an enormous risk. It's just taxes. Yeah, yeah, I
see what you're saying. So do you have people Steve often that well meant
not often, But do you have people that do it and say, let's
take a flyer and see what happens. Well, you can see the definition
of health or investment can fade into various shades of gray. So every taxpayer
has a different risk profile that they're willing to take. Some taxpayers are like,
gosh, I don't want to mess with the RS under any circumstances,
and others say, tee, this is a closer call than I thought.
Maybe I'll go for it. And all we try to do is discuss with
the client what those text risks are, and ultimately the call is THEIRS.
Well, let me ask you that our ten thirty one's one of the red
flag things that might trigger an audit. Honestly, no, So what are
he's saying, Steve of Steve, Now Steve, not mister Hickock's but Steve
the consumer. What I hear Hitcock saying is hey, you can go for
it. What the hell I mean? If it's challenged, then you pay
the tax and you pay the that's interest it's not like you're trying to cheat
anyone. And Steve, I'll bet you your original purpose for buying a house
was, hey, we can get an investment property. It's going to grow
in value, and then while we're keeping it, our son can live in
it. Wasn't that really your primary goal? Absolutely? Yeah, I mean,
you know, I don't think that's a hard argument to make. But
you remember, now that house will be considered depreciated by twelve years or however
many years, thirteen, fourteen, whatever, it's going to be considered depreciated.
Do you understand that? Yeah? I understand. So how much is
the house? How much did you buy the house for? I think one
hundred and ten thousand or something like that. Okay, so what is your
house worth now? Probably four hundred maybe four five? So now you understand
you're not going to downsize here, right right? I understand that. So
you're going to have approximately three hundred thousand or more in gain to defer just
my rough calculation, right, And how does that work? Then? Hitcocks,
mister Hitcocks, how does that work? Well, I'm just doing the
numbers in my head right now. Tom, And so if he held it
for twelve years, and he paid one hundred and ten for it. I'm
going to assign tens of the land and one hundred to the house. Yeah,
meaning he started with a depreciable basis of one hundred thousand, and the
depreciation on that is twenty seven and a half years. I'm just going to
use twenty five and say that his depreciation should have been four thousand dollars a
year times twelve years forty eight thousand. I know that was fast, but
yeah, and so it's right what I said. His gain is going to
be right around what I said, probably right, just roughly plus another forty
eight thousand the recapture recapture, okay that year, You're right, you got
to recapture, right, okay? Okay. So in other words, have
you identified any houses Steve in the new County? Yes? How much?
Are they? Right around? Four hundred? Okay? So you if you
transfer the gain into the new house, you then understand the new house's game
goes bases his way down right, right. So this sounds doable, right,
mister Hitcox. I would say it's doable. And there's another thing that
helps here. That is when you report a ten thirty one exchange on your
tax return, you show how much gain you're deferring. That's part of the
report, is how much gain am I not paying tax on? Right?
And if he plugs in the reduced basis and takes the depreciation in essence on
the reporting form to report the exchange, that will enhance his claim that this
is held for investment when he actually reports the exchange. Okay, Now on,
mister Hitcox, do you have an office in Denver? Yeah, it's
on East Hampton. Okay, Steve, let me give you his number.
I mean, these guys are good man. We had on the show before.
It's the website is ten thirty one x dot com. Yeah, and
here's his number. You're ready to take it down? Steve h eight eight
eight eight nine to nine ten thirty one. Isn't that nice? Eight eight
eight eight nine ten thirty one? Steve? You know what Katschina? Would
you make sure? Let's let's get him on the show one day. Okay,
let's do that. That would be Are you if you're around, I
would love to have you on the show one day. That would be cool.
Just come in and talk about exchanges. Now, do you do more
than just real estate? Exchanges, well, after Donald Trump changed the tax
law. I mean I'm giving a Dowitch credit there perhaps or or blame.
Yeah, it used to be that other tangible personal property who was exchangeable.
But after the tax co changes under that happened under Donald Trump, the only
thing that is now exchangeable ten thirty one exchangeable is real estate. Oh okay,
okay, well that takes the fun out of it. Okay, but
okay, so really, then when you dispose of business property, like I'm
not saying that everyone's going to worry about this, but a jet or a
yacht, you're going to pay on that. You can buy another one that
will off set some of it, but I mean you're going to pay on
it. That's right. We used to do airplane exchanges. We did fishing
trawlers, we did classic cars, we did all sorts of other exchanges before
the tax code changed about five years ago. But now it's just real estate,
which has always been the dominant part of our business. Thank you very
much, and we got more coming up. I'm Tom Martineo. Go with
a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a
cent until you're content, time for an insurance check up free, no obligation.
In comparison, call comp Us Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven to seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate
man dot com to list your home with Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom Martino here three O three seven to one
three talk Compass Insurance Group. We'll do free insurance checkups three oh three nine
nine six nine thousand. That means if you're wondering if you're over insured,
under insured, not paying or paying too much, you gotta call them,
especially now with where insurance is three oh three nine nine six nine thousand.
All right, So, uh, we have K and H here, and
I wanted to ask about Alpin windows. So Michael's with us from K and
H Home Solutions, And I say K and H Michael Bernstein is the oldest
home improvement company in Colorado. Because I can't think of many or sixty five
years, sixty eight years, now, sixty eight years, Holy crap.
Now when I moved here. Henry Zeligeman was just getting out of the business.
He started it, and Kay and H stood for Henry and his wife
Katina. Yes, Katina and Henry k and H and then Ted bought the
place and then Ted sold to Lee. All good people kept the heritage and
the same company going. In fact improved the company. So I like Alpin
windows for those listening it. They're made here in Colorado and they've been made
here since eighty one musing nineteen eighty one. Alpin was found right after I
went to coloradois Colorado, right before right after I got to Colorado, right
and so Lewisville, Colorado, and they started making the insulated glass units and
then the industrial stuff and then residential for a last twenty No, they've been
doing new builds, so residential new for about twenty years and then retrofitting or
replacement windows. You guys picked up on that, correct. Yeah, we're
the only company working with them right now. And you know we'll do it
with nailing fins or without nailing fins, So retrofit is normally what we do.
But if we're going to replace the siding as well, then we'll put
the nailing fin in there as well. But yeah, the only company they're
working with as far as residential is concerned. When you don't have a nailing
fin, are they nailed through the frame? Yes? Correct, yep.
And they're fiberglass. They have two different lines. The main line that we
work with is called their Zenith and that is an all fiberglass window and it's
insulated. It is insulated, yes, And they their glass technology is really
what is second to none. They have triple pain and even up to quad
pain glass for homes for homes. Correct, Holy crap? Really, now
the frames? How is fiber You said they have a couple of lines.
What's the other one? The other one is called a tyrol and it is
a European style window that swings in rather than swinging out. See. I
think that's cool. I think that's a cool idea. By the way,
And is that vinyl or fiberglass. It's a vinyl window that's reinforced with fiberglass,
so it has a fiberglass reinforcement on the inside. Why so fiberglass?
Tell me about it? I mean, I know about vinyl and if it's
extruded properly done right, it's good. But what about fiberglass. Is that
even stronger? What is fiberglass all about when it comes to windows. Are
we talking real fiberglass? Are we talking about composite which is better than fiberglass.
No, it's one hundred percent fiberglass, so no plastics in there at
all. Okay, it is four to five times stronger than vinyl. Really,
what about the tendency? They're not that there is a tendency, like
I said, if it's done properly, but warping or or or peeling or
chalking or anything. That's the huge advantage of fiberglass. Fiberglass is what they
call inert, and it basically doesn't accept heat and cold and it will not
warp, so it just won't absorb heat, it won't reflect heat, it
won't do anything. It just sits there. Correct, it's a forever window.
You put that in and that is it. You're done for the light.
Now, how does it hold it finish? Does it come pre finished
or do you painted? It's a painted product. All fiberglass, even if
it's a white window is painted. Okay, so that's fiberglass. But as
far as vinyl are there, pre vinyl is pre colored, right, Yeah,
vinyl comes extruded and in a kite or tan. Okay, if you
want a black exterior, which is very popular these days, the exterior would
be painted on a vinyl window. Black exterior in Colorado is insane in my
opinion, it's totally absolutely insane. It won't be black in ten years.
No, well, yeah, and it's gonna do well. How does fiberglass,
So fiberglass get in any color fiberglass you can get you paint twelve different
callus. It comes prepainted from the Alpin factory. Okay, so that's cool,
that's really cool. So can you get black fiberglass window? You can
get black, bronze, white, red, green, really tan, different
color tans. I would say the most what most people are doing is either
an all white window or a white window with bronze or black exterior. So
you can get windows with I was going to just ask that you can get
a window with a different color on the inside than on the outside. Correct.
Both with the Provia vinyl windows that we carry and with the Alpen fiberglass,
you can do a two tone, so you're still doing pro Via correct.
So the main lines you have Alpin and Prova correct cool. H josh
I didn't mean to ignore you there, Josh. You called and I asked
you to call back, and I said, yeah, call the damn city
and ask them what they're doing in that adjacent lot that you smell burning,
and they're burning bags that look like evidence bags. What city is this?
Wheat Ridge? Now, hold on, this is a tease. We're gonna
come right back to him to find out what the hell they told them and
see if we can help. Go with a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pay a cent until you're content, wait time
for an insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance companies find out now three
oh three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino
here, three oh three seven one three talk three oh three seven one three
eight two five five renew home Innovations. You want to talk about the best
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old ugly shub. That's the shower tub Coombo, that's renew Home Innovations dot
com. So Josh he sees these guys burning in the lot next to his
house in Wheatridge. He says, it stings. It looks like they're burning
evidence bags. What the hell are they doing? I said, call and
ask Just call and ask him. I mean, wheat Ridge isn't a terrible
city. Maybe you'll get some answers. Did you get any answers? Hey,
Tom? Yeah. After calling thirteen different phone numbers, I finally found
someone that actually answered and they informed me that it was a police department drug
burn that they were doing right there behind our house. Wait, come on,
they're burning drugs yep. And so actually during the break I was going
through and just trying to see if I could find any articles talking about drug
burning some of the hazards with it. I found a what kind of drugs?
I mean, is it crack? What is it? Yeah? I
don't know. They didn't tell me. He just said it was a drug
burn. But I did find like I was saying, well, at least
they're honest about it. Article. Yeah. Yeah. In that fourteen ap
article they mentioned that there's actually I believe the EPA has regulations around pharmaceutical companies
burning I don't know, leftover expired products, But it doesn't look like those
same regulations apply to police departments. But wait a minute, aren't some of
these drugs ingested by putting them on foil and burning them? So that's my
point exactly. So you either get sick or a free high. I mean,
this is crazy stuff. Yeah, And what even blows mind more is
that the three it looked like it was one city employee and possibly two contractors
that were doing it, and none of them were wearing respirators and they were
standing right next to the thing, which really blows my mind. Maybe it
was intentional. Did they call friends over, did they have music praying?
I mean, you know, this whole thing could be already going on go
Lee. You know right now there are a lot of tweakers wondering where that
is because they want to go out there and park their car, but we
won't tell them. This is crazy, seriously, I mean, there must
be there must be some kind of regulations on Did you ask if there are
any concerns? No, but I am going to be going through and trying
to find who's in charge of the evidence at the police department, and I'll
be sending them an emails as well as the city council bringing up some concerns
about the fact that they're burning drugs out in the open right here next to
my house. You know, I got three kids under the age of ten
that are on summer breaking out, they playing, and it's not okay to
be having the city burning drugs, you know, less than one hundred yards
away from them. How about this. You ought to do a pamphlet,
a one page flyer and give it to your neighbors. I'm serious, because
you have some facts you just found out. Did you know this lot is
burning drugs? I mean, I mean, are you concerned? If so,
call me or something. And now you may want to do I would
if it was my neighborhood. How many homes are around that lot? There's
at least I believe at least three duplexes, so six total households that back
up directly to the lot. Like, is this like a green belt a
big area that the city owns or is it just a residential lot? What
is it? No, it's it's it's the city lotty. I mean they
have they have a big old barn for their sandpire or their salt. Can
you get some pictures of this for me? I want to make some hay
on this. Oh yeah, yeah, Okay, you help at troubleshooter right,
help at our email. Help at troubleshooter dot com and send me any
picks or video anything you can get on this. I'm serious. I can't
believe. And when you email me, give me the address. I won't
make it public right now, but just give it to me so I have
it. That's crazy, Okay, thanks for letting us know this, Josh.
So I'm going to wait to hear from you, okay. And he's
going to take some video and stuff, and then I suggest he mobilized neighbors.
It would upset me if they were burning drugs. I mean it seems
to me that's not a good way to get rid of them. But well,
maybe it is in maybe some kind of a controlled incinerator somewhere where it's
not out in a lot where they pull a fifty gallon barrel out and throw
drugs in it. I mean, come on, you know, kitchena.
We should call Wheatbridge, ask him what number he called. I think we
should follow We should have somebody also follow this up. This is BS.
I want someone to follow up, find out the one number he finally got
through to. I would guess they know what they're doing. Yeah, he's
sending me his pictures and his contact information and everything that he has, So
we should do you think they know what they're doing? Come on, really,
yeah, of course, come on, what do you think they're out
there burning meth? Who knows? It's probably some weed man and maybe they've
got a Maybe it goes through so maybe it goes through something that gets uh.
I don't know a filtration process. He said, it's a fifty gallon
barrel. That could be a really good barrel. I don't know, golly,
I mean, it's just how do you burn your stash? I don't
use it all. I use it all. I don't have any leftovers.
And here's the deal man. What I'm wondering what kind of drugs? It's
a drug burn But what kind I mean? I'm I don't know. And
how much do you think of that evidence goes missing? Now and then from
the time they take it from the evidence room to the fire. You know
this, think about all that stuff. I can make you crazy thinking about
this kind of stuff. Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content. Time for an
insurance check up free no obligation comparison call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three O three seven to seven to
one help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three three nine
two zero sixteen twenty two three oh three seven one three eight two five five.
You know that three oh three Martino, say with me that number works
on and off the air. If you ever have a problem, we definitely
want to hear from you. I want to talk to my guests real quick.
Which one of these young men was saying they like Nikes because of the
quality of the Nike tennisue? Who was it? What's your name? Do?
I have no one paying attention? I'm here, shut up. I
want to know which one of them likes Nikes? Who was that? I
heard that at the beginning of the show before I was on. Oh yeah,
yeah, we were talking about brand loyalty or brands and uh yeah,
cheap Chinese labor Nikes. That's what it equals. In fact, I think
that's what it spells somehow, so I totally disagree with you. You know.
You know what's funny is Nike's an American company, right, you know
that, right? Yeah? But most of them are made in China probably,
just like uh, almost everything, Yeah, like your iPhone that you're
so proud of. He's staring at me so good. Mark once told me
a story, and it's very true. If it's about Apple and all the
people that have died, he's committing suicide building them in China. They put
special nets outside or something to catch people or commit called fire. It's the
I think it's called Foxcom and it's the manufacturing plant for Apple in China,
and they set up nets because people were literally throwing themselves to their death just
to quit making iPhones that you, Martino use, Well, you use an
iPhone, I mean you use a smartphone. Well where I think your phone's
made? Korea? Okay, Yeah, that's a bastion of wonderful life.
It's the good Korea. Listen, do you know that seventy two percent of
all US adults say they don't give a rip about a company's commitment to diversity,
inclusion and the environment. I don't. If I'm a stockholder and something,
I care about one thing and one thing owned that's right making it's getting
paid. I care about making money and product good products. Now, obviously
I'm not going to do a company that, let's say, like you know,
truly are violating human rights or stuff like that. I'm not, you
know, or or exploiting children. But how do you argue that with anything?
Anything made in China? Pretty much is they don't have a minimum wage
like we do. They have they have entire groups of people over there that
are forced to work prison labor camps. I mean, so basically anything,
I guess, Mark, if I really knew, seriously, if I really
knew a company was doing stuff like that, I wouldn't buy their products when
it comes to that kind of stuff. But regular stuff like this, this
woke stuff, I don't really care that much about it. I mean,
I think that people who highlight the woke stuff and I hate even using that
word because it's so incindiary. I rather just but but what I mean by
that is that word's been bastardized. That's what you're trying to say. Yeah,
and they try to. I think that they try to highlight our differences,
and it's it's such a terrible thing to keep talking about that. I
mean what, I don't even know what does inclusion really mean? I mean,
are people really excluded nowadays? Maybe they are. Maybe I don't know
what I'm talking about. But anyway, here's the the seventy two percent don't
care. The one the people who care the most, they're still only forty
five percent are the gen Z adults and gen Z goes up to what age
twenty six? Is it or no? No way, I'm wrong on that,
or it might be I don't know. Anyway, gen Z I had
I had a whole chart here, and what do they care about? I
free way onto if the corporation. This is not for investing, by the
way, in the corporation, this is buying products. If do they care
about equity, inclusion and climate change, activism and politics? Uh, forty
five percent of gen z says they do care. Forty five. That's the
biggest chunk of a population that cares. Next to that are black adults they
care. That's forty seven or forty three percent. We got more coming up
on the Troubleshooter Show three oh three seven one three eight two five five.
Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't
pay a cent until you're contenth time for an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three oh three seven to seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two zero sixteen twenty two dum
News need advice so you don't have camarun Just as fast as you can shooter's
gonna help coming. Man Dix is the trouble Shooter show. No Tom Martino,
Hi Tom Martino, You're a troubleshooter. Three oh three seven one three
talk seven one three eight two five five. We've had full lines all morning,
and right now we have lines open if you want to call in three
oh three seven to one three talk, or you can call three oh three
Martino three oh three six two seven eight four six six. K and H
Home Solutions with us today we're talking about Oupen windows made right here in Colorado,
some of the cool things about that. And then I just want to
say something, Michael. I don't want to be controversial about this with KINH
Home Solutions. I don't want to be controversial, but I don't like siding
at all. I'm just I don't like siding. I know there's some siding
better than others, but I'm very, very very disappointed insiding in general,
because really and truly they're stucco is about his maintenance cree if you're gonna get
I wish there was more maintenance free. Size is aluminum siding pretty maintenance free.
No aluminum gets dented. You know, a stucco as well, stucco
has issues with hail, not a lot woodpeckers. That's real stucco. Very
seldom will have a woodpecker problem. It's the drive it stuff, the foam
behind it, that the trim. You know it can. But real stucco
with hard coat very seldom will have a problem. But I love stucco,
I like I used to. I'm just gonna tell you I used to love
Everlast. It's like it looks bulletproof. But they had some problems recently.
The older stuff was better. I don't know what happened to them. They
seem to have changed a bit, They changed something in their product. I
know this year we did it. I know Hardies is definitely the best siding.
It doesn't hardy, but they all have this surface problem that if you
pierce the surface, you're gonna have problems. Right, Yeah, I just
we just don't see the surface pierced with hardy. Okay, they're pretty hardy.
Then it's what you're saying, Really it is pretty hard. What about
vinyl coded steel, vinyl coated steel, you can get some really pretty finishes.
Yeah, you know the problem with steel is it does rust. You
do have hail damage with it. I mean vinyl gets destroyed and with hail
damage, not just final I'm talking about vinyl coated steel, right, Yeah,
I don't know. I mean it's better than your traditional vinyl for sure,
and then the good old aluminum siding though you get some waves in that
maybe. And do you guys even do that, We don't. We primarily
work with James Hardy. It's a fiber cement, and I know everyone is
in this climate in Colorado. It's it's as good as you're gonna get.
You do paint that or as a compaint. It comes pre painted. You
can also paint it yourself, but the majority of it comes pre But you're
saying it holds up pretty well. Yeah, it's hail resistant, woodpecker proof,
hail resistant. We've seen damage on it, of course, of course,
I mean, you know, three hundred miles per hour chunk ice come
in is going to damage anything. But yes, we've seen James Hardy withstand
a lot of hailstorms out here. Listen, it's it's all what you uh
in Colorado's pretty pretty hard on it on all exteriors. As far as Colorado
has some harsh climate for sure, and as far as uh windows, though,
we we do pretty good luck with with the pre painted vinyl, with
the fiberglass, with uh with. I even think aluminum clad windows are good.
They're they're a little expensive and they don't have the thermal quality that a
lot of windows do. But in general, h when it comes to low
maintenance, that's what people are looking for, right, isn't that what you
guys are trying to specialize in low maintenance energy efficient? See, every product
that we carry is low maintenance, and that's been really important to us.
And high quality. You want it to last. You don't want to just
put something in and then five ten years ago, five ten years later have
to deal with it again. So low maintenance. Really, there's nothing out
there that's no maintenance. People are lying to you if you tell there's zero
mains. But low maintenance is really what we're looking for. In high quality.
Yeah, load to almost none. Sometimes some stuff gets pretty So does
James Hardy ever have to be repainted? So James Hardy is a thirty year
warranty? Really? Really that long on the paint? No fifteen year finish?
Okay, finish? Oh, so you have a fifteen year in the
cop does it fade at all the darker colors. It does not chalk fading
on some of the super dark colors over time. Yes, but you're not
getting idiots that are doing there's no black siding, is there. There's people
doing white siding with black trim, but typically no black siding. Yeah,
dark graze. I've seen some black houses literally black sliding, and I don't
know what kind it is, but i've seen it. I don't know if
it's painted that way. It's like a flat black. And I call them
the Twin Peaks. The houses they're all I mean, right now, everything's
starting to look the same to me. I mean the newer houses, they're
all boring as hell, harder. You will have to paint fifteen, twenty
twenty five years down the road, depending on where your house is. That's
the advantage of vinyl. Vinyl will you don't have to You never have to
paint it. I mean, it'll fade over time if it's a dark color,
but you never have to paint it. Three oh three seven one three
talk seven one three eight two five five. And then when it comes to
uh, really the exterior of a house in Colorado, if you have regular,
a regular paint job, I mean, God, Steve the painter,
you know, he does a great job at keeping things, keeping things painted
and done well. But man, he'll tell you paint doesn't last in Colorado,
not for a long time. And then I have a we have you
know, wood trim or wood doors. Forget those front doors. If they're
exposed to sun, I mean, they can just literally fall apart. Yeah,
that's why we work with pro Via for our front doors. It's all
steel twenty gage steel or fiberglass wood products in Colorado is a bad idea.
Well, you got to keep them constantly sealed and maintained and sanded. And
even if you do that, I know you're going to start to go.
They're a pain in the ass, that's right. So what kind of finishes
though, can you get on these doors? The fiberglass doors are typically is
it a green like wood. It's got a wood green with a with a
stain on it. And you have a fifteen year finish warranty on that as
well. And the steel doors are typically painted with a ten year finish warm.
The good part about it is they're they're insulated, yes, all insulated
with polyurethane, which is solid that's solid foam. That's good stuff. Yeah,
that's what you find in YETI coolers. That's why you can keep your
cold soda air for three days. Yeah, all right. So three h
three seven one three talk seven one three eight two five to five on these
brands and what we call cooperative engagement in social issues. The biggest population to
reject it baby boomers. They don't care. Eighty one percent of them don't
care, not at all. So the rest, of course say they do
care, but most of them do not purchase based on anything a corporation believes
or does. The next one under that are Republicans. This is the Republicans.
Seventy nine percent don't make any purchases based on that. And then next
to that, gen xers in general and white adults are almost neck and neck
not caring. They're in the high seventies or the mid seventies. Millennials sixty
six percent don't care. Thirty four percent due where it starts to get split,
are with gen zers. They care almost fifty to fifty almost it's a
little skewed toward not caring, but they do care, and that is remarkable
to me. Now, gen zers, by the way, are eleven to
twenty six years old. So that would include our guys here today from college
and doing internships. And then let's see who else. Then we have Hispanic
adults sixty two percent don't care. Black adults fifty seven percent don't care,
but forty three percent do. That's a big number. Then adults of all
other ethnicities sixty six percent don't care. So right now, if you look
at this chart, in general, most people don't care about the equity and
the inclusion and climate change commitments. Most people don't. Bob, Welcome to
the show. What's going on? Hey? Tom? How are you doing?
Good man? What's what can we do for you? Hey? I
had a question. First of all, I wanted to get the name of
the person that you always used to have him come out and do independent roof
inspections. I think, yeah, we mark used them now. Of course
we use a lot of times our roofers that we like, but you can
get a roof. I did call Excel. I called Excel to come out.
But I thought you had an independent person. Yeah, there we do.
He's not on the referral list, but we do have an inspector from
time to time, and his name. I don't have his name memorized,
what's the issue, why do you need one? Well, I'm starting to
get notices there now. I use Acuity, and I think you're familiar with
Acuity at least I use Brian at Compass, and I'm starting to get I
got my first notice here that as of the maturity of this policy of August
fifteenth, they we are deciding not to cover the roof because it has a
street tab shingle which is no longer eligible for our underwriting guidelines. So they're
really forcing me to go out and get inspections on these properties before the term,
you know, expires, and maybe they'll end up having to put a
new roof on it. I don't quite understand there. Well, no,
no, A bunch of roofers, excuse me, A bunch of insurance companies
have been reevaluating roofing coverage in general. Many of them are going to stop
covering roofs all together, period all together. Some are covering for very high
deductibles or ACV actual cash values, or they're doing a percentage of the environment
of the dwelling amounts of the dwellings worth. If the dwellings worth five hundred
thousand, they might do two percent deductible or three percent. So it's really
across the board, and some of them are specifying specific kinds of roofs,
and that's what it sounds like. That's what it sounds like. And it's
a way it's kind of detrimental to them because I'm going to go ahead and
have the property independently evaluate it, and they'll probably end up having to put
a roof on this property because I know there's been hayl you know this is
off of Smoky Hill, And well, why wouldn't you have done that?
Why wouldn't you have done that? Anyway? If you had hail damage?
How old is that hail damage? You can't you can't put an acclaim,
every bob, you can't put an acclaim for hail damage older than a year.
What I would do every problem. Listen, guys, here's what I
do. Call her, Here's what I do. You want to call up
Matt at Paragon Services. He can go back and find when hale hit there
and what date it hit there, and then argue with your insurance company if
it's even there, if the dates line up to actually get it covered right,
But if it's more than a year from the storm, you're not going
to be covered. So in other words, you basically should have every property.
I've got rental properties, I should have every one of them expected once
a year to make sure there's been no hail going through that particular area.
Well unless, I mean, normally you would know if there's a hailstorm you
hear about it. But I guess if you don't hear about it, it
wouldn't be a bad idea to have a roof inspection. But what I'm saying
is is that if you have hal just remember Bob, they're not going to
cover it. It's older than a year. And here's the other problem.
If you have multiple hail events, you're going to have a hell of a
tough time discriminating, and they may not cover it at all because what they're
going to argue is that the previous damage rendered it useless anyway. So what
was destroyed recently was a useless roof. So you're going to have a problem.
Well, I guess I'll have the roofer look at him and evaluate and
they should be able to take you. I think Matt, I think Matt
would be the one to go. I go with Mark on this one.
Matt at Paragon Services. He's not a roofer, but he knows a hell
of a lot about roofing and everything else because he does specifically insurance claims where
insurance companies are trying to screw people, and he takes a percentage of what
he collects. But here's the most important part. Here's the most important part.
He will let you know if he thinks you can even get it covered,
because if you have not had a hailstorm in the recent he'll look at
all his records and if you did not have a hailstorm within a year,
you're not going to be covered anyway. If you did have a hailstorm,
then he has to go to work trying to make the argument that it was
the most recent hailstorm that did the damage. And he'll do that by looking
at previous hailstorms and he might say, hey, there were no previous storms,
or yeah there was one, but it was ten years ago. I
mean, you let him handle that, and it's free of charge until you
hire him. Right, that's the person I was looking for the name,
So that's Matt at Pergun, that's who I Yes, that's what you want
to mark. Do you have that number? Handy I can give a concom
Okay, Kachina, we'll give it to you. Hold on and we'll get
you that number. Go with a sure thing Denver's Best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Time for an insurance
check up free, no obligation. In comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies find out now three O three seven
to seven to one. Help. You'll think you're his only custom when you
choose Frank durand the real estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here
Grossmanwellness dot com. I love that place and I go there. I go
there all the time. I mean, you know, it's a concier's medical
service. You pay a few hundred bucks a month. It includes your prescriptions,
your supplements, yeah, and your blood work every three months. It's
being very proactive about your health. For two forty nine. You can see
where you stand with them, get your blood work in a consultation, see
if you want to continue. There's no obligation. I mean, I really
urge you to do it, especially those getting up there in years or actually,
really that's not an accurate You should do it no matter what, because
you're never too young for great health three all three two three three forty two
forty seven Grossmanwellness dot Com. So let's talk. We got Acuity insurance and
we gave them the We gave them the referral, and that's important. People
with insurance remember this. You're going to hear a lot about insurance companies not
renewing your policies for roofs unless you change your roof. They don't want a
three tab really narrow, not narrow but thin asphalt roof anymore. They're making
you upgrade and yeah, they can do that, or they can refuse to
cover you. Cynthia, you're calling about Safe Code. What's going on with
safe Co Insurance? What a quote they are? Why? What's going on
on the thirtieth before the storm hit. I had emailed Safe Code to find
a cheaper policy. My policy doesn't expire until November twenty four. Okay,
I had got a compass quote because I've been listening to you for thirty five
years, so I don't do anything without your approval. Okay, I had
check around in January and so I was able to send safe Co on on
Thursday, the thirtieth of that quote to see if he could beat it or
match it. But but hold on, why why would you bother doing that?
I mean, why would you if Compass came with a better price,
why would you even go back to Safe Cost? Well, because I didn't
change my insurance. I was since it at autover News and I just was
trying to take a better interest in what was going on. And I'm a
preventive person, so I was trying to get ahead of I understand. But
when you know, when Compass gave you a price that was better, why
then go back to Safeco and say match Yet? Why what did you have
some allegiance to Safeco? Well, I've had him forever. Okay, Well
what does that mean if anything? Okay, everybody mutual bought them. I
had never had you know, I need to see let me explain, let
me explain something to people. I have to say this and get it off
my chair. I just have to say this. The one industry where loyalty
is actually penalized, not rewarded, is insurance. It is the one industry
that you can almost always do better finding another company. We do what's called
the insurance checkup, and that means people can call Compass Insurance Group and get
a free insurance checkup. Eighty five percent of the time they can find another
policy and save those people money. Why because longevity and loyalty with insurance is
never rewarded. Here's how it works. You get an insurance policy, and
once they know they have you, they creep up this it's called creep up
syndrome. They creep up the premiums and they creep down the coverages. So
the longer you have insurance, the worst deal you have, and the way
to get a better deal is to rewrite the policy. I just want people
to know that, for some reason, people have this vision that if they're
with an insurance company for twenty or thirty years, somehow it's golden and they're
doing something lofty and it's really a good value. It is exactly the opposite.
Insurance companies have zero loyalty. They are blood sucking scumbags. The industry,
it's the only industry that I truly believe does not have people's best interests.
Most industries want to help people insurance companies are the low life of industries.
They come in and ruin healthcare. They come in and ruin insurance,
car, insurance, everything. They the adjusters go out and try to pay
as little as possible. That's why they're called adjusters. You never hear them
adjust things upward. They always adjust things downward. And I just have to
get this off my chest because Cynthia, you are under some crazy illusion that
you want to stay with safe Code because you've had them for years, and
that is exactly the reason you should get away from them. But now continue,
Okay. So anyway, when the storm hit, it was on the
thirtieth. I had emailed you know, SAFECode during the day of the thirtieth.
You had emailed them asking if they could beat the compass price right during
the day of the thirtieth. Okay, So when the storm hit, I
got on your website and contacted Excel. Excel roofing came out the next day,
wonderful. I want to deal with him, and I called to put
in my roof claim because my roof was I live in Green Valley Ranch.
It was destroyed. And I find out that he's changed my policy and who
changed her policy the Safe Coe people, they changed him from my deductible from
one thousand dollars to six thousand. No, wait a minute, wait,
wait a minute, Wait a minute. And you're saying they change they can't.
Let me explain this to you very clearly. During an insurance contract,
they can't change it. So if your insurance contract had a one thousand or
two thousand dollars deductible, they cannot change it. Well, they did,
they can't, so they can't. So and my policy didn't expire until November
twenty four. The policy you have through November of twenty four? Do you
still have it? Yeah? And I have it, but he's rewriting it.
And when I called Cynthia in question, Cynthia, one thing at a
time, Cynthia, because you're not making sense. You're talking about rewriting.
Here's what I'm asking you. You have a policy in your possession that expires
in November of this year. Is that correct? It is correct that policy
that expires in November of twenty twenty four has how much of a deductible one
thousand dollars? Then they cannot change until November of twenty twenty four unless you
cancel the policy I did not. Then they can't do it. So tell
me how they did that. I don't know, because I emailed him to
find a comparable price or cheaper prise him? Who's him? His name is
Jim Morale? Who is he? Who? Who compass? Where? Who
did you email? Okay? He's a part of broad Field Insurance A again?
Who who are you? Did you ask safeg? Is that what you
mean? The people who are representing you with Safeco? You asked them?
Okay, so you asked them to find you a better policy before mine expired.
I get it. You asked them to find you a better policy.
What did what did you mean by that? Did you say I want to
pay a less of a premium? Correct? Okay? And that broker that
you had could have misconstrued that that you wanted to cancel your policy and pay
less. I put it in. It was in an email. Good.
I physically stated that I was shopping around before my policy. Excellent, excellent,
And that's excellent. You put it in an email. So this guy
took it upon himself to rewrite you a policy with a higher deductible but probably
a lower premium. Right, it was a higher deductible, and then it
had my medical coverage payment. Uh, he changed the total policy premium changed,
He just changed it. Did it lower your premium? No? Well,
what excuse would a guy have for giving you less coverage? Did it
raise your premium? Let me see, Cynthia, what you're telling me makes
no sense. You're telling me you called to inquire about a better deal and
this guy at Safecoa took it upon himself to change your policy to less coverage
for the same price. Well, he gave me a total policy premium of
six thousand instead of eight thousand. Okay, so you did say to see
That's what I'm getting at. He thought that he was doing you a favor.
Well, he still couldn't have changed it would before it expired. Yeah,
he could have with your signature or approval, but you signed signed anything.
Okay, we need to get compass On. I need to get compass
On to talk about I mean, they're not involved in this, but I
need to ask them. I don't think they can do this. I think
they're trying to pull a fast one on you, and I think you can
go to the Insurance Commission and I do not think they can force you into
a new policy with less coverage. I don't think they can do it,
so hold on and let's I'm going to get our experts on to address Go
with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up free no obligation
comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martino here three O three seven one three talk seven one three eight
two five five. Let's uh, let's talk now this thing with Cynthia.
We need to get one of our insurance extras on. This is unheard of,
you know, Cynthia. I just want to tell you something. Whenever
I've made policyach just like with Compass for example, and I want to cancel
or change anything, anything at all, even at the end of my policy,
they send me docu signed documents to acknowledge everything. They never do anything
verbally, Well, they do, they get it started, but they always
require me to sign I say, Brian, man, come on, man,
you know me, I'll just go ahead and do it. And and
they want that they want that documented. So if this clown agent says you
were changed and it's disadvantage to you and you got a way more deductile,
this guy's going to have hell to pay if he can't show documentation. Okay,
you hang on. We're gonna get our insurance expert on to verify that.
And then you go to the insurance commission. They can't get away with
this crap. No, no, no, no no. Let's talk to
Patrick. Hey, Patrick, what is your question concerned? What's happening?
Not much? How are you doing? I'm doing good man? What's going
on? I love your show. I always listen and I've learned learned a
lot than Just have a quick question about, uh, the sales tax stamp
on tobacco and alcohol. Yeah, that's for sales tax. Correct. It's
well, it's not for sales tax. It's it's for taxes. It shows
that they were taxed. I don't think they they might call it a sales
tax. I thought it was an excise tax, but there are certain taxes
they have to pay before it even goes out for sale, and then sales
tax goes on top of that. I just remember when I was younger,
when you ad buy cigarettes or alcohol, there was that was the price.
There was no tax added onto it, no other taxes added on to them
all the time. Now, yeah, they when you go to check out,
they add sales tax on top of the tax. And I just didn't
know if that was like being double taxed. Well, it is being It
is being double tax. We're often double tax and triple tax. It depends
on what we buy. See people, some people have to pay excise taxes.
Some people have to pay import taxes. Some people have to pay all
kinds of taxes or surcharges or tariffs. And then on top of that you
might pay a tax for transportation, and then why the time it gets to
the retail level, you pay your sales tax. Yeah, that's absolutely normal.
Now, there was a time, I believe there were some places that
exempted alcohol, tobacco and food. There's cigarettes in almost every state unless you're
on an Indian reservation or something like that. At sea, they have an
excise tax that's with this guy. Some states do not add a sales tax
on top of that, but Colorado, I assume does. Yeah, And
that's the point. They don't have to not do it. In other words,
in other words, there's nothing that says it's not. But it used
to be in some states that alcohol, tobacco, and food were all untaxed.
Now they tax the hell out of everything, and in fact food,
of course, I think that the rule on food, unless it's changed.
The only thing that's tax on food right now, I think is prepared food,
right. I mean, if you buy groceries, do we buy,
we don't pay sales tax? Suey on food? I don't. I don't
remember. But to make a long story short, they can. If you
buy a pack of cigarettes right now at Walgreens, you're going to pay sales
tax. Okay. I was just curious about that because I swear it used
to be they didn't. That's right. That's in some states. I don't
think still do. I mean, I'm not sure, but I think that
there are still some states that do not charge sales tax. But that's really
a local state issue. That is not something to be that's not something that
says, hey, if there's a stamp on it, then you don't pay
sales tax on it. Three. In fact, we have there are cases
where people who build stuff, they pay sales tax on components, and then
you pay sales tax on the finished product. So there's all Oftentimes we're double
and triple text. Now Cynthia's question about Safeco, we're going to talk about
coming up go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance checkup free
no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two. Hi Tom Martino here three oh three seven one three talk seven one
three eight two five five. Jeremy, I hope we can get this in.
Jeremy Kuzier Curzio is with u Compass Insurance Group, home of the free
insurance checkups by the way and three h three nine ninety six nine thousand,
Jeremy, I got a question for you. Sure, okay. This woman
claims she has safe Co insurance on her home with a one thousand dollars deductible
that expires in November of twenty twenty four. And I believe that policy,
Tom, was through Compass. Well, Cynthia, did you get No,
it wasn't, Cynthia. The safe Co policy you have you did not get
through Compass, right? Correct? Right? Because she mentioned Mark another broker,
and she said she went to Compass to get a better deal. So,
Jeremy, here's what happened. She claims she called her safe Code agent
and said, I want to try to shop around before expiration. I want
to get a better deal. It was an email, Tom, an email,
I'm sorry, and she said she wanted to get a better deal and
that's all she did, according to her, that's all she did. Then
she went to you guys for an insurance check up as well. She made
no other changes. There was a hailstorm shortly after that, and now they
tell her she doesn't have a one thousand dollars deductible. They changed her policy
and they saved her money. But now she has a six thousand dollars deductible
and she signed nothing. Now, I know you guys make me document everything
when you make a change. Can they just say, willy nilly, we
changed your policy? No, no, does that happen. It can,
but no, they can't just change her policy without her approval on it.
So you're saying the broker changed it, not safego right, And she's claiming
this guy's claiming she requested it. So and you do it on a verbal
or does it have to be signed? What if he claims she gave him
authority? And what if he claims Cynthia gave me authority and Cynthia says I
never did I have an email to prove it? Yeah, I mean I
think the onus certainly falls on the broker, but it can be a fight,
and that's you know, that's why you'd try to get everything signed.
That's why we send that stuff because we want to make sure everyone's on the
same page. So if I mean, if she can prove she did not
authorize it, well, I don't think she has to prove she did not
authorize it. I think he has to prove she did. I mean,
oh, absolutely, absolutely. What I was going to you're you're absolutely right.
What I was going to say is if she could prove to safeg hey,
I never changed this, This was done behind my back. Right,
Safego could work with her and then they could deal with the agent on the
difference. So she she should call she should call them directly. Have you
called Safego directly, Cynthia, No, I didn't know how to do that.
Who does she call it safe Coad, Jeremy, don't they only work
through agents? They do? She would have she can call them directly.
I mean, you can't get like a new policy through them directly. But
hey, I've got listen, Jeremy, I've got safe Co. I went
to call over a question I had now mine was auto insurance about two weeks
ago, and it tells me to call you guys period in des study.
That's which they're gonna want to do in a case like this. Do you
have an open claim? Is the claim going on right now? I was
trying to file one the very next day. He did all this in twenty
four hours. Okay, the adjuster would be someone you could My argument would
be, or my hope would be that Safego could work with you, get
back to that original deductible, and then they can deal with the broker.
Yeah, but Cynthia, you may have to go to the division of insurance
and tell them that they change your policy right before the storm without your knowledge
or approval. I mean, I swear to you that you tell them that
this is what happened. And I don't mind giving it to someone to work
on, but I want you to call the insurance division first. This cannot
stand. We will help you, Cynthia. Go with a sure thing Denvers
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Tom Martino here three oh three seven one three talk seven one three eight two
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Let's talk. You know, I would be really upset if some insurance
broke er changes my insurance without my knowledge or without my approval. And I
want you to know this, folks. If anyone tries to pull this on
you call us. That was a previous hour call. She said. When
I went to look at my deductible, it was now six thousand dollars.
I had a one thousand dollars deductible through November of twenty twenty four. And
the guy said, well, you called to change it. She said,
no, I or she said, he said you didn't call, but you
emailed to change it. Her email said I'm shopping around for better rates.
That's what she said, and he took it upon himself, the changer to
a higher deductible. This is according to her. Of course, we're going
to check it out. Gina, what's happening, Hi, Gena, what's
going on? I got a question? Yeah? Okay, So my car
went in the shop. I got an accident. My car went in the
shop on the twenty third of May. Yeah, they just called me five
minutes ago and told me that my car was in hell damage at their shop.
And it's thirty one hundred dollars. And with the naked eye, with
his eye, he can only see one dance. Well, I don't want
my car, you know. Well, what you have to do. What
you have to do is have Now what was it in there originally for?
Because I was in a car accident? Okay, Oh, this is complicated.
Went into a body shop for a car accident, and your insurance company
was going to pay for that, right, it's all covered. Okay,
my fault, I got it. Now on top of that, you got
hail damage. And what you need to do is have your adjuster. Your
adjuster go out there, because are you covered for hal you have comprehensive coverage.
Yeah, okay, So now your insurance company has to go out and
assess how much of that that they'll cover the hail, and then the other
company covers your car. There's two separate claims. Okay, I'm just I
was trying to figure out. Was it's your place? No, that doesn't
matter. Well, let me put it to you this way. What if
you went to the supermarket and parked your car there. Would you expect the
supermarket to pay if there was a hailstorm? No? I don't now.
The only way they would be responsible, Gina, is if they promised you
they were going to keep it inside. Okay did they promise you that?
Nah? No? How long was your car there? Just the twenty third
of me? And and they have a parking lot outside. I know that
body shop you're talking about it. It's over on Wabash right, Yeah,
yeah, good people. And I took I took my car there once,
and you park outside, they have a lot. They don't promise to keep
it inside. See, it's not their fault. The hailstorm came right.
No, Thisistan made pissed me off. You know you're lucky though it's there
already being fixed. You won't notice the difference. You really won't, but
you're going to. I'm not worried about that. I'm not. I'm just
what he's saying that he can only see one dent. If I don't look
at it under the light, then I have only one dent. Yeah,
but why not take advance? Why not put in an insurance claim? I
mean, if you have how much is your deductible? Oh fifty? Oh?
You only haven't about any of that, Okay, not about any of
that. It's just I guess I'm just I was hot headed, and you
know, I got y'all own speed out. You know, I got I
got people over there. So so did you think you thought at first they
should pay for it? Right? Yeah? I did? Yeah I did.
I'm like, okay, well, y'all go ahead and take care of
it. You know, Yeah, they're not going to. But I know
that's you just got no. But you know what, the whole thing,
we get this call mark, how many times do you think this time of
year? We get it all the freaking time? But how would you say,
over the last five years, what we've had at least a dozen calls,
about more than a dozen, and not just not just tail, but
either the car gets stolen, from a shop, or the car gets vandalized
or the cat gets stolen. But it's all the exact same thing, right,
and unless that shop had anything contributory, you know, like did something.
I like how we're our numbers on speed dial though. That's cool.
Yeah, she's funny. Just an FYI guys, Gina and I used to
be neighbors. Oh well you woman, tell Gina. I'm really, really,
really really sorry. Now, Don, what's going on? Don?
Don? Hey, Don, what's going on? Well? Am I having
problems with a credit card? Okay, what's going on with it? Well,
it's been probably about a month and a half since we pre shoot the
bill, and I haven't wait a minute. A month and a half,
you didn't receive a bill, So do you keep track of that? That's
good? And so, uh did you go online to check your statement?
No? I didn't go online, but I did make a call. I
knew the only person I can. I can't get a real person to talk
to. What kind of credit card is? Can I say the word the
name? Yeah? Of course, Okay, it's a Master Shares MasterCard?
Okay, Now, do you have online access to that account? Most accounts
nowadays have online access do you have access where you can go on and see
transactions and all of that. I've never done that before. Well you know
you can go on even now. Do you have the numbers? Do you
have do you have any record of that account, of that credit card number?
And are you still have the credit card? Right? I do have?
All right, So just go online and just open up an online account
and you put in your credit card number and it will open up an account
for you. All of them have it, and then you'll be able to
see any transactions and bills you have. But why did they Why did they
tell you that you're not getting a bill? Well, they didn't tell me.
I just haven't received one, and we've had the card since nineteen eighty
two. They probably owedged it to paperless. They switched him without telling anythink.
I don't know the rules on that. Honestly. I thought they had
to tell you, but I could be wrong. Hey tell me this,
tell me this. Uh. Don do you ever call them for anything?
No? No, not very often at all. Well call the number on
your card and tell him you haven't received a statement. Well that's the number
that I called, and then I got on the internet to look at But
what do wait? Wait, when you called, what did they tell you?
You get on a recording? You're talking to somebody that's not really there.
They just get information. They get your credit card number and that's it.
And you can't you can't be get any deeper. They just there's nobody
there to talk to. No, I mean, eventually though, there's a
representative. You can dial such and such for a representative, right, not
that I'm aware of. Well, I think you can. Don Honest to
god, I don't know of any credit card companies that won't have customer service.
There's a number on the back of your card. You call the number
and you drill through to representative. And if they ask you for questions,
like you just you just this. All you keep saying is representative, representative
and here's that representative. Now. If that doesn't work, you go to
the Sears master card website. Okay, I don't know what it is.
But do you have an old statement and it'll be on your old statement.
Do you have one? Yeah? Good, go to your old statement.
Look up on the top somewhere there's going to be a website. Okay,
go on that website and start an online account. It doesn't matter. If
you start it now, it'll have a record of all your transactions when you
go on there. Then you go to the park that has the statements,
and there might be something clicked that you want online statements only, and you
have to unclick it and make it so you get paper statements. But here,
I'm gonna give you a clue. If you do get online access,
forget about your paper statements. You don't need them, really, but you're
gonna tell me. I'm gonna I can hear in your voice just said when
you went. Really, it's like a baby giving up his toy. I
know, I know you're at that age. Let me guess you're over you're
over sixty five, right? Oh yeah, how old are you? You
old fart? You shouldn't be using a credit card? Grow up, Hey,
don listen man, I'm seventy. I'll tell you this online makes your
life easier. Just get just when you when you get used to it,
then you just go on and say yourself up some auto payments to pay the
balance every month. But if you want a paper statement, they certainly will
send them to you. Mark. I don't know of any companies that stop
sending the paper statements to you. A lot of them will force you into
it by saying, okay, if you want paper statements, we're going to
charge you another half interest point like on a car loan. Yeah, you're
right, You're right, or they charge a service fee, so don If
you have problems doing it, I can help you off the air, but
try it first. Get go to your old statement, find the website.
Go on there and see if you can open up an account. Three o
three seven one three two five five Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until you're content. Time
for an insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance companies find out now three
all three seven to seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Hey,
I'm Tom Martino here. Three three seven to one three talk three oh three
seven one three eight two five five K and H Home Solutions with us in
the house. By the way, you can get your calls in any time
if you want. But we're thinned out right now after a lot of calls,
and uh, it's worth reminding people a few of these really quickly.
If you have if you have homeowner's insurance, okay, and they're asking you
to inspect your roof or they want to come out and look at it.
Beware, they're dropping a lot of roofs and they are allowed to do that
upon renewal. They can say we're not going to renew you unless you replace
your roof. They're thinking, look, if you have an old roof,
forget this crap about waiting for a storm. You put on a new roof,
and you put on one that's going to hold up better in hal and
yes they can do that. Some of them are dropping coverages all together,
all together. They're saying, we're not covering roofs at all, or you're
gonna get a high deductible. And then when it comes to safeg safe Co
is not what it used to be. Safe Co used to be a good
company. I think they're going downhill. And I'll tell you why, Liberty
Mutual merge with them, right and Liberty Mutual is not a great company in
my opinion. So there you go. You got a combination there that's not
very good. And this one woman, Cynthia, claims they change your policy
without approval. You just can't do that. But don't put a past insurance
companies to pull fast ones. As I told you, they are the scum
of the earth. They are. It's the one industry where it's all negative.
There is not one thing positive about an insurance industry. I mean,
obviously the payouts are when you need them. I'm talking about the way the
industry is run, all predicated on taking premiums and not wanting to pay out
damages and for stockholders and for screwing the little guy. That's in fact,
when it comes to health insurance, they're entirely predicated on taking over health insurance
and telling you what you need and don't need, and what they're going to
pay for it, and how doctors should practice. They came into a perfectly
good system and just took it over. People think medical bills, medical expenses
went up because of greedy doctors and pharmaceutical companies and all of that. Well,
pharmaceutical companies a little bit, but may doctors know doctors are actually getting
paid the same or less than they have in the past for the same procedures,
actually less than twenty and thirty and forty years ago when you adjust for
inflation. What health insurance did was they came in and said, Okay,
now we're going to charge premiums and manage care. And it's like the mafia.
They it came in the middle of the provider and the patient and inserted
their charges in the middle. That's what they did. It's it's truly protection
money. It's it's like you didn't need them. Now, obviously we need
health insurance. I shouldn't say we didn't need them. But there are so
many better models for health insurance than the model we have now, which is
trying to do a managed care and low payouts. And they're trying to tell
doctors how to treat patients, and they're capitating costs, meaning they're giving limits
per patient, per practice. They have so many practices that are just uncalled
for, and they could make a ton of money doing it the other way.
Kaiser's a great example of a better system. Now you may not like
Kaiser or the doctors or the clinics, but the model it's a nonprofit model.
It's the only it's, in my opinion, the only way a health
insurance can work, because there shouldn't with a profit incentive. If you automatically
have a d sent to it's not you're not incentivized to give great health care.
It's the other way around. And then we had a woman who had
her car damaged at a shop with hal We're going to get this. A
lot people have their cars at places and it gets held on and somehow feel
that place is responsible. Well, it was fine when I brought it here,
you know, and then it's sitting outside and it gets held on.
In fact, if you have a valet service, we've had calls on this
where a valet will take the car and park it. It's there's a hailstorm,
they deliver the car back to after dinner and now you figure, oh
my god, not only did I have a bad dinner and bad service,
now I have a car returned to me with hell damage. They're not responsible
for it. Nope, it just doesn't happen that way. So knhe help
solutions. When we're talking about siding, we already talked about there's nothing new
under the sun or at least, I don't think there is coming down the
pike. I wish there was. And you said, James Hardy, the
cementuous, cementious or whateverwever they call it, that's kind of good. And
it's it's a what is it a cementuous material mixed with wood. It's a
fiber cement. So it's there's a little bit of wood fibers in there,
just to make it a little bit more appliable. Now, so when you
hold it, can you snap it? You shouldn't be able to snap it
with your bare hand. It's pretty flexible. How thick are they? They
are about quarter three and a half inches on the depth on the trim around
the window. So the trim is way thicker, well trim, But what
about the siding deciding itself is about an isn't that thick? Oh? I
didn't realize that. Yep. Okay. And then as far as windows were
talked about, alpen windows, pro va windows. What else is there truly
for exteriors of homes that might get people excited? There's not much doors windows?
Well, okay, what I'm saying is nothing new though really with doors,
right, I mean, there's no real tech, new technology doors or
doors or doors, right, not necessarily. I mean the reason we work
with pro va doors is they're definitely made a lot better. They'll last a
lot longer. When you how do you make a door different? You can
make a door different by, like you said, the insulation, well,
yeah, I can see that it is, and then the thickness of the
of the door itself, the steel door. Correct. Now, they used
to have a really big problem with southern facing steel doors burning the crap out
of people. I mean really, this was a real problem, like kids
would get third degree burns, turns firstgree burns. But what happens now?
I mean is it the color? Do you make them more reflective? Is
there any technology involved in this, any ceramic paints that can cut down on
the temperature build up? There is? But if you're south facing, no
overhang, and you want a black door and it's steel, I would not
recommend it. No, No, you can want you want to go to
fiberglass at that point. Okay, so fiberglass is not as sensitive to heat
at all. Correct, So they wait a minute, I didn't they make
an exterior door for fiberglass? Correct? Insulated? Yep, that looks like
wood. You can either get it. Why would you always get that?
Why would you ever get a metal door? Tell me that what's the difference.
It just depends on what you're looking for. With With fiberglass, you're
going to have the doors that look like wood without actually being wood. I
know, and that sounds like a good We sell more fiberglass doors than we
do steel doors now, and it's really switched. We used to be a
ton of steel doors and now because but they look I imagine they look really
good because fiberglass can mimic almost any surface correct, So you can get a
dark, rich wood look on that. Oh yeah, they have grains too.
You have furs and cedars and maples and cherries and full body alders.
You have naughty stuff too. You'd have to get really up close to see
that it's not. I'll tell you a story. We were installing a door.
I was with Sarren, who's one of our door meets. We're installers.
Guy across the street yelled at us from across the street. We couldn't
hear him. He came closer. He said, that looks amazing. That
wood is fantastic, and we said, no, it's fiberglass. Wow.
He said, I'm a I work with wood, and he had to come
up close touch it and feel it, and then he realized it was fiberglass.
Does it actually have a texture on the on the surface too, Yeah,
and the naughty alder has the knots in it. Oh, come on,
man, really that's pretty cool, I said, I didn't realize that
I would never get steel. And knowing that I would never get steel,
because you get it insulated, it's not hot or cold, and it's it's
firm as hell. Hail resistant. Wouldn't it be hail resistant? Yeah?
They use a lot thicker fiberglass. And then what about you can get lights
in them windows? Yep? Pretty much any size window you can get,
you know, half circles. Circles now are the entire frames and everything like
the side lights and all that made from fiberglass. Yep, anywhere. But
and it's virtually maintenance free, isn't it. It is virtually maintenance free?
Yeah. Do they come pre painted, you pre stained for the fiberglass.
Now, when you say pre stained, meaning the color of stain, it's
not actually stained, right, it is stained, and then it's baked on
almost in a kiln. Wow, man, I honest to goodness, I
didn't realize that they had come that far with fiberglass exterior and pro Via specifically,
fiberglass doors are the ones that look extremely realistic. So not only you're
getting an energy efficient product, but the esthetics of it is second to none.
Because I have a wood door, I can't keep a finish on it.
Now Steve the painter is going to be doing it again, and he
says in Colorado and I am south facing. Yeah, it's terrible. Yeah,
these Prova doors really, they they last. And if you're going to
go buy a fiberglass door at one of the box stores, it's it's not
gonna last. But when you have a Prova product, absolutely well. All
right, people give us a call three oh three seven one three talk seven
one three eighty five. Go with a sure thing Denver's best roofer Excel roofing
dot com. You don't pay a cent until you're content. Wait time for
an insurance check up free, no obligation. In comparison, call Compass insurance
paying too much your coverage at dozens of insurance companies. Find out now three
all three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estate man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine
three oh three seven one three talk seven one three eight two five five.
Steve the Painter's on we were talking about wood. Oh my god, is
wood a pain in the ass? Steve the Painter, What do you have
to say about us, sir, Well, I'd have to say that.
You know, back Gets had me up fifteen twenty years ago. They did
come out with fiberglass front doors, and they were the best doors I think
I've ever seen. They don't warp. Uh, they're easy. That's what
he's talking about. Say that again, he's talking about fiberglass front doors.
Yeah, well they talked about fiberglass front I didn't know that. Are he
talking about front front doors or overhead doors? No, he's talking about front
doors, front entry cars. Those are the greatest things ever. I mean,
they're easy to work with. Now, your front door you have to
have perfect conditions even to refinish it. You can't be too hot, i
can't have no moisture. All these variables got to I'm into effect. So
but your heads up. You were thinking about doing your front door possibly next
week if that works for you. Yeah, yeah, and I'll give you
the code for that if I'm not there, but I'm usually there during the
show. But you know, Steve listen man, you even said, no
matter how you do it, it'll have to be redone how often with your
door face in that west right there? And you don't really have a lot
of stuff. I think faces maybe every four years or something. I mean,
but look at the bottom panels. Well that would be good. But
I'll tell you it's it's really really amazing what sun can do to the finish
of a home. Now. Do they make some really they must make some
really good paints right now, don't they? That resists that kind of deterioration,
Steve, It's really not paint more of a polyurysane. Yeah, I'm
talking about now for siding and stuff or whatever. I don't even know what
you do paint nowadays on the outside of a house. When you go to
paint a house, what are they made of? Right now? I'm serious?
What are what are you mostly seeing? We're mostly seeing exterior? Well,
you can go to Sherean Williams, you know, but what what are
you painting over? What are you painting over other than the trend? We're
painting over hardyboards. We're just picked up a job doing hardboard siding, so
we'll be doing that here in another few weeks. And you just paint a
nextterior, good quality exterior statin paint. Don't use flat paint. It will
not hold up. Bat and paint beats off the water and it'll last you
twice as long. And how long will a paint job last in Colorado if
you do it really right? Well, I don't know. I have jobs
going on close to ten years. Really, that's a that's incredible, recommended
every seven, you know, seven years or so, because it really depends
on where you live too and cut around or if you live up in the
hills, oh yeah, you're you're in a sep. I always seven years
out of it. I always meant to ask you this. You know,
My Stephanie's dad was a bricklayer and mason guy, and he and he invented
or perfected lightweight concrete for our chitectural design and all that. He was really
big into stone and concrete and brick, and he used to have a CONNIPTIONI
literally when he saw people painting brick and Stephanie's she still does. She goes,
Oh my god, why why would you take a maintenance free surface?
Now I'm going to ask you. Have you ever had the paint? Have
you ever had people I want you to paint their brick? Yes, and
it's very expensive. Why it absorbs the hell it keeps sucks? It sucks
in paint, doesn't it. Oh yeah, you have to. It almost
happen to use a block pillar in order to prime it, and then you
roll two coats over the top of that. That's why you can get it.
But does it hold paint? Is it a I mean, it seems
to me you're ruining it to begin with. But does it hold paint?
Does it hold up better than something else you would paint? Oh yeah,
you'll hold up just fine. It's just that you lose the whole brick aspect.
Yeah, of course. And I like the I just like the brick
aspect. Leave it alone. You'll never have to worry about your power.
Wash it and you're done. Now we were talking about stucco, and I
know Mark over at Genesis Total Experience, he talks about the top coat the
hard coat having color built in it. But I imagine you have to go
repaint stucco from time to time after some years. Is that only if they
want to change the color or have you seen stucco need paint? No,
repainted a house in golden and it meant the same color. But you use
a special paint for stuccle. You have to tell the people at the paint
store you're using this un stucco. And what's different about the paint for stucco.
It has more vehicle to it, It has a lot more bonding units
to it. So what happens to the original stucco if the hard coat has
paint built in? Does it leach out? Does it fade? What does
it do? Over time? It will fade? Yeah, because the way
they do it with stucco is that you know, you got the stucco,
but they had they add a pigment to it. So you you get your
stucco, they had pigment to it. They mix it in a big mixer
and then they trial it on. There's your color you need. But okay,
time it will face. Okay. So as far as uh, the
the stucco itself, though it's pretty hardy, and it takes paint very well.
Oh yeah, oh yeah, you'll hold up forever long as long as
is that that newer stucco. I mean, even even it's hail won't even
damage that. Now, is there anything that you can do for people that
want to change the color of windows, like if it's a vinyl window,
No, nothing that I saw. Nothing really holds up, does it.
But fiberglass holds paint pretty well, doesn't it. Yes, yeah, you
could prime it. You prime it with again a special primer, then you
could do that. But any vinyl window, Uh, come, if you
remember right years ago you had a lady in Highlands Ranch that the guy went
out there whether he say you're you're something about a dog chasing a dog bone
or something. Oh yeah, yeah, I remember that guy. Yes,
yeah, yeah, that guy. His name was Kaylin and he yeah,
I know, it was a long story, but anyway she called it.
Anyway, his paint or painted the vibal windows. It was already pilling off
before they even finished the job. Yeah, it doesn't work. Now.
Somebody just texted me knowing you're on the on the phone here. They they
want to know what paints or colors chalk now people, we've mentioned that at
least three times today's show. Chalking is where you get this powdery look on
the outside and you can almost when you put your finger on it, you
can it is almost like a chalk. What causes that? Are there paints
that are there cheaper paints or different color paints that will chalk no almost any
pain to do it, but certain colors because the pigment will do it quicker,
like greens, blues, yellows, burgundy colors. Those colors fade very
fast and they overtime they chalk. And what it's killing you is that you're
ready for another paint. Jo And what is talking really is it? Is
it a deterioration of the outer coat. Yes, it's starting to fail.
And once it goes beyond that, then it starts going into the siding.
It starts the siding starts really deteriorating. Then it gets into the top layer
of the siding. And now you have a serious problem because now you're not
only painting, but you have sighting replacement. Someone else wants to know about
a fence they have that's iron and they want to uh redo it? Now
does that have to be done? There was what kind of paint takes to
iron. Now they have it's almost materials now come out waterborn. It's a
water born product. Back in the day they used to use oils and now
because of EPA they've gone to a water borne unit and it's it's a polyure
thing. Is it good? And oh yeah we did it. We did
a commercial building in Aurora, all these iron handrails and columns. Yeah.
And to this day, that was ten years ago and this still looks good.
Wow, I was amazed. You wash a brush up with water.
That's all it is. Okay, Steve Star Quality Painting. Give out your
numbers since you're on go ahead, oh office phone number three oh three nine
four eight eight seven six y five star Quality. They're on our referral list
at referrals dot com. More with KNH after this, go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation comparison call
Compass Insurance pain too much your coverage at dozens of insurance companies find out now
three oh three seven seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot Com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom
Martine here THREEO three on three Talk three oh three seven one three eight two
five five. Welcome to the show. By the way, I also wanted
to mention that Michael mentioned during the break and K and H does do bathrooms
now? Are you guys going to do more and more interior stuff? Are
you going to stick to the exteriors and just bathrooms are just one of the
things you're doing? Or what are you what are your plans? You know,
I don't know for sure. I mean we're we're the experts at the
exterior of the house, and we took on the wet area, so the
bathroom, the tub this year. Yeah. As far as the plans for
more interior stuff, I'm not sure if that's on the plate, But exterior
is more. Do you still do Do you guys still do screens? You
used to do a lot of that. We will rescreen windows, especially if
you bought them from us. Yeah, yeah, absolutely, you could bring
them into the office, we'll rescreen them, or we can send our guys
out there to rescreen. Somebody else texted me asking about what they call a
vanishing screen door. I say, get rid of it. Their pieces a
junk, that's my opinion. But those roll up verticals are they still even
around? They're here and there, but they are They fall apart really quickly,
they really do. They just don't hold up, and dust and debris
gets in that screen and when you roll it up, it gets into the
mechanism. I've never I mean the idea at first it was really like a
wow, you know, like the toothpaste pump, but it just didn't stick
around. Pro Via used to carry one and they stopped carrying it because they
had issues with it exactly. I mean, it's okay. And then sliding
glass doors, can they be replaced easily for more of a French door?
Do you have just like can you like just just replace it or does you
have to do a lot of modification? No, you can absolutely replace a
sliding patio door with the French or vice versa. The size. Any aren't
sliding doors more old hat or people love them? So people still like them.
They're more energy efficient and they create more of a space in your house.
When you have a friend store. If it's all you're in, you're
gonna lose a little bit of space all right by the way. When they're
not here, you can go to cach Windows dot com three oh three,
four to one seventy one hundred and remember I'm at three oh three Martino twenty
four to seven. Leave a message and we will get back to three oh
three six two seven eight four sixty six. Save all your problems for me.