WEBVTT 1 00:00:00.920 --> 00:00:15.080 Yea d news need advice, so you don't have come run as fast as 2 00:00:15.080 --> 00:00:23.239 the cad Shooter's gonna help come. Man, This is the Troubleshooter Show now, 3 00:00:23.719 --> 00:00:27.800 Tom Martino, Martino here, Welcome to the show. Three oh three 4 00:00:27.839 --> 00:00:31.719 seven one three Talk is our number three all three seven one three eight two 5 00:00:31.800 --> 00:00:34.399 five five. Welcome to the show, the only show that's kind anywhere in 6 00:00:34.399 --> 00:00:38.920 the universe where we are solving problems. You know, I haven't done a 7 00:00:39.119 --> 00:00:43.640 tally recently for this year, but we're halfway through the year, aren't we. 8 00:00:44.119 --> 00:00:47.640 Or we're gonna see Jenniferman aren't Yeah, at the end of this month 9 00:00:47.640 --> 00:00:53.640 anyway. So there have been several millions of dollars in cash, merchandise, 10 00:00:53.759 --> 00:00:58.479 exchanges, refunds and services as always, and we love when we do that 11 00:00:58.600 --> 00:01:02.439 because it can help people. So if you have a problem with any kind 12 00:01:02.479 --> 00:01:04.920 and you need help, give us a call. That's the important thing. 13 00:01:04.920 --> 00:01:08.400 Don't let it fester, don't let it sit there for a long time. 14 00:01:08.959 --> 00:01:11.359 And I have a guest to say I'll bring up in a second here about 15 00:01:11.400 --> 00:01:19.879 home improvements. I love talking home improvements. Now, did you know that 16 00:01:19.000 --> 00:01:27.439 there is a move There is a move with companies to be politically correct and 17 00:01:27.480 --> 00:01:33.519 to be to brag about their diversity and commitment to inclusion and all that, 18 00:01:33.560 --> 00:01:37.040 which is all well and good. I mean, you would hope that just 19 00:01:37.319 --> 00:01:40.680 all of that stuff's natural and we all do it. But anyway, there's 20 00:01:40.719 --> 00:01:46.120 a big move on that, and there's nothing like highlighting our differences in everything 21 00:01:46.159 --> 00:01:49.599 there is, because that seems to be what politics does. But in any 22 00:01:49.640 --> 00:01:53.120 case, I often wondered, as a consumer advocate to people care, do 23 00:01:53.200 --> 00:01:59.560 people shop based on how they feel the company fits into their life? And 24 00:01:59.560 --> 00:02:07.799 they're fullilosophy? What do you think? And we did some there's some analysis. 25 00:02:07.120 --> 00:02:15.479 Not we me, but this one research firm. They went out and 26 00:02:15.599 --> 00:02:24.759 interviewed thousands and thousands of adults to find out who buys what and why. 27 00:02:27.080 --> 00:02:30.400 I can do my own experiment. I have college some college guys in here 28 00:02:30.439 --> 00:02:35.360 today with K and H home solutions their interns. That would be cool. 29 00:02:36.360 --> 00:02:38.199 I'm serious, that would be cool. Is there a microphone? Handy? 30 00:02:38.240 --> 00:02:42.439 Guys, don't expect me to remember your names. I'm just gonna call you 31 00:02:42.560 --> 00:02:46.280 A B and C. So I'll start with a Seriously, what school do 32 00:02:46.319 --> 00:02:51.960 you go to turn that on and off? When you talk. Yeah, 33 00:02:52.080 --> 00:02:53.080 just make sure. Okay, go ahead. So okay, yeah, I'm 34 00:02:53.199 --> 00:02:55.680 Olan, talk right into that, Nolan. Okay, you can do that. 35 00:02:57.439 --> 00:02:59.960 To school. I go to LSU and ban ruthe what do you still 36 00:03:00.439 --> 00:03:04.400 I'm studying marketing, marketing? Can you hear my Ra Shannon? Okay? 37 00:03:05.599 --> 00:03:08.360 Now, oh, you are studying marketing. Pretty cool. Just point the 38 00:03:08.400 --> 00:03:10.680 mic to your mouth there, just moving. You can move it anywhere you 39 00:03:10.680 --> 00:03:15.120 want. I can do this all right. What do you really marketing? 40 00:03:15.560 --> 00:03:19.479 I'll imagine that's changed. I had marketing courses. What do you tell me 41 00:03:19.520 --> 00:03:22.919 what you have actually learned about marketing? Really? How? What year are 42 00:03:22.919 --> 00:03:24.879 you in? I'm going to be a senior next year? Oh cool? 43 00:03:24.919 --> 00:03:30.000 So what have you learned? Have you learned anything really obvious? You must 44 00:03:30.000 --> 00:03:37.199 have, right? Yeah? I enjoy a lot of the advertising side of 45 00:03:37.240 --> 00:03:42.680 it, consumer behavior studying, like how to target markets and stuff like that. 46 00:03:42.759 --> 00:03:46.240 Sure have you gotten is college marketing? Now? When I was in 47 00:03:46.280 --> 00:03:51.159 college, obviously there was no digital marketing. Do you guys emphasize a lot 48 00:03:51.159 --> 00:03:53.560 of digital? Yeah, that's a huge thing. I just took an entire 49 00:03:53.599 --> 00:04:00.159 class this last semester about online targeting, like search engine optimization, stuff like, 50 00:04:00.240 --> 00:04:01.560 now, do you have professors that know what the hell they're talking about? 51 00:04:01.599 --> 00:04:04.800 You think? You like that? Cool? So I want to you're 52 00:04:04.879 --> 00:04:10.199 excellent to ask do you think and I'm serious now, younger people, I 53 00:04:10.199 --> 00:04:13.560 wanted you to talk about the people you know and your people. You can 54 00:04:13.840 --> 00:04:17.480 give other observations, but do you make any purchases? Do you avoid or 55 00:04:17.680 --> 00:04:25.800 like companies based on what you think their personality is? You do like if 56 00:04:25.800 --> 00:04:30.959 there are mean companies or nasty or good companies or friendly companies? So to 57 00:04:30.079 --> 00:04:35.199 you, companies do take on personalities? Yeah? I mean brand image is 58 00:04:35.199 --> 00:04:39.920 a really big like factor in Do you think it's a really big thing with 59 00:04:40.040 --> 00:04:44.240 people that you hang out with? Uh? Yeah? Was it really? 60 00:04:44.399 --> 00:04:46.600 Is it a really big thing in your marketing class? Uh? Yeah? 61 00:04:46.639 --> 00:04:53.399 We talked about like brand image and having an identity a bunch now then talking 62 00:04:53.480 --> 00:04:58.839 like that, do you care about political stances of a company when they come 63 00:04:58.879 --> 00:05:00.879 out and see, let me just tell you where I stand. So I 64 00:05:01.360 --> 00:05:06.600 don't submarine you, I don't sneak attack you. I think corporations are too 65 00:05:06.680 --> 00:05:14.279 wide and vast and various and do not have the responsibility should not to take 66 00:05:14.279 --> 00:05:16.959 political stands and here's why. Who's going to take the stand? Is it 67 00:05:17.040 --> 00:05:20.199 the CEO, is at the board of directors, is it the management, 68 00:05:20.279 --> 00:05:24.959 middle management, some of the employees. Well, that's a bunch of crap 69 00:05:25.360 --> 00:05:30.279 because it's made up of me and you, and liberals and conservatives and in 70 00:05:30.399 --> 00:05:33.120 betweens and people who don't care about politics. You know what it's made up 71 00:05:33.120 --> 00:05:39.120 of retirement accounts. Do you know? Most corporations are regular people. There's 72 00:05:39.360 --> 00:05:43.120 very few top heavy people. They're regular people. What we do is we 73 00:05:43.199 --> 00:05:46.560 invest in a corporation and we put it in our four to one k or 74 00:05:46.399 --> 00:05:50.800 we want it to make money, and we don't give a rip what they 75 00:05:50.839 --> 00:05:58.519 think, except obviously, I personally do care about certain things I do like 76 00:05:58.639 --> 00:06:02.879 I don't personally invest in certain things like tobacco and certain things. That's just 77 00:06:02.920 --> 00:06:10.680 a personal thing. But I don't care about their political or philosophical stances. 78 00:06:11.160 --> 00:06:16.279 And I think it's disingenuous for someone in a corporation to come out and take 79 00:06:16.319 --> 00:06:23.600 a stand. They're not speaking for the stockholders. Those stockholders are varied across 80 00:06:23.600 --> 00:06:25.920 the country. Now, I'm not expecting you to agree with me, by 81 00:06:25.920 --> 00:06:28.040 the way, but I wanted to let you know where I stand before I 82 00:06:28.040 --> 00:06:30.639 start asking these questions, so I don't bait you. So I'm thinking, 83 00:06:31.839 --> 00:06:39.560 I think me it's immoral, and I mean immoral in a sense that you 84 00:06:39.600 --> 00:06:45.439 are you are not carrying the best interests of your corporation. Your corporation should 85 00:06:45.439 --> 00:06:47.399 make money. I don't think it should take a social stand. I just 86 00:06:47.399 --> 00:06:51.399 don't think it will should unless it's in the business of taking social stands. 87 00:06:51.839 --> 00:06:58.680 Like you are a company that makes you know, memes and things or T 88 00:06:58.800 --> 00:07:03.240 shirts and you take stand you're one of those companies. Again, I want 89 00:07:03.240 --> 00:07:08.439 to know, do you when you say you personally choose companies based on brand? 90 00:07:09.279 --> 00:07:15.040 What goes behind that decision? You know? Me, personally, I 91 00:07:15.040 --> 00:07:18.000 don't make a lot of decisions based off of politics. But okay, a 92 00:07:18.040 --> 00:07:24.319 lot of my friends and people I associate with have stronger political views than I 93 00:07:24.360 --> 00:07:27.759 do, and they will they will or do they make a choice? Well? 94 00:07:27.800 --> 00:07:30.399 Are there certain cars they wouldn't buy because of the company? Are there 95 00:07:30.439 --> 00:07:33.399 certain clothing they wouldn't buy, or there's certain products they wouldn't buy because of 96 00:07:33.439 --> 00:07:36.680 a company? Yeah? Well, I mean a lot of it is with 97 00:07:36.800 --> 00:07:41.240 my age group. It's just trends and so you don't. But it's a 98 00:07:41.279 --> 00:07:46.680 product trend or company trend, a company trend for sure, because like let's 99 00:07:46.680 --> 00:07:50.079 say, super popular brands like Nike, Lululemons. Yeah, you just buy 100 00:07:50.079 --> 00:07:54.040 it because your peers have it. You don't buy it because you research what 101 00:07:54.040 --> 00:07:58.040 they're into. And so you just like the companies because of the brand. 102 00:07:58.800 --> 00:08:01.800 Okay. So when a company comes out and says we are for diversity and 103 00:08:01.839 --> 00:08:11.279 inclusion and and and and we are combating our carbon footprint, we're helping with 104 00:08:11.279 --> 00:08:13.879 with climate change and all of that doesn't make a difference to you when it 105 00:08:15.040 --> 00:08:18.600 actually comes to shopping me personally, no, But I think what that does 106 00:08:18.720 --> 00:08:24.000 is that it empowers one group and it turns another group off. So it's 107 00:08:24.120 --> 00:08:26.439 you're very smart, does guys real quick in the middle? Real quick? 108 00:08:26.800 --> 00:08:30.720 Now? Number B. He's actually the owner's son. I should know his 109 00:08:30.800 --> 00:08:33.559 name, but Amy, Yeah, my name is Canaan Caanan. Go ahead. 110 00:08:33.600 --> 00:08:35.279 What do you think about marketing and what no companies and brands? What 111 00:08:35.320 --> 00:08:39.759 do you think buying decisions? To be honest, I don't. I don't 112 00:08:39.759 --> 00:08:43.559 really think about it too much. Okay. I agree with what he was 113 00:08:43.559 --> 00:08:46.960 saying about trends and stuff like that. It's just the brand or the product. 114 00:08:46.080 --> 00:08:48.960 Yeah, you don't think about the company, the management, what they 115 00:08:50.000 --> 00:08:52.279 believe in. Uh No, I don't even I don't really hear too much 116 00:08:52.279 --> 00:08:56.679 about that, okay. With I mean there's certain companies I don't know if 117 00:08:56.679 --> 00:09:00.879 I should say, but go ahead, Like I've heard people talk about and 118 00:09:00.960 --> 00:09:03.600 like some people don't want to eat Chick fil A for whatever their beliefs are, 119 00:09:03.879 --> 00:09:07.200 okay, and stuff like that. But no, I've heard that too. 120 00:09:07.360 --> 00:09:11.200 Yeah, but I've even heard that said about Tesla and Elon Musk. 121 00:09:11.279 --> 00:09:15.279 Yeah for sure. But me personally, I don't think too much about it, 122 00:09:15.399 --> 00:09:18.120 Okay, Yeah, is it? Okay? So when you do buy 123 00:09:18.200 --> 00:09:22.840 and you do shop, you just go buy trends. Yeah, trends are 124 00:09:22.919 --> 00:09:26.440 just like what I personally think is like a good quality product. Okay. 125 00:09:26.000 --> 00:09:30.159 Disquality matter to you, Yeah, I think like I really like he brought 126 00:09:30.240 --> 00:09:33.440 up Nike. I really like Nike. I think they make all like whatever 127 00:09:33.480 --> 00:09:37.639 I buy from them is always a good quality piece of clothing or stuff like 128 00:09:37.679 --> 00:09:41.000 that. Okay. So if I'm gonna spend a lot of money on something 129 00:09:41.000 --> 00:09:43.200 because it is expensive, I know it's gonna be good quality and it'll last 130 00:09:43.240 --> 00:09:46.200 a long time. Let's go to C, A, B and C here. 131 00:09:46.200 --> 00:09:48.279 I'm sorry, guys, I'll get your name straight. Go ahead. 132 00:09:48.879 --> 00:09:54.120 It was Josh. And for the thing that they were talking about, brand 133 00:09:54.200 --> 00:09:58.600 image for me does actually matter. Maybe not political stance, but brand images, 134 00:09:58.720 --> 00:10:01.399 like give me an example. I don't know if I can give an 135 00:10:01.399 --> 00:10:05.159 example for an actual company off the top of my head, but let's just 136 00:10:05.200 --> 00:10:11.120 say Blizzard. Blizzard's a gaming company that they had a huge scandal a while 137 00:10:11.159 --> 00:10:15.200 back about them harassing female employees. Okay, and that bothers you, right, 138 00:10:15.240 --> 00:10:18.039 and I completely stop purchasing. Okay, So it does matter they're they're 139 00:10:18.120 --> 00:10:22.440 kind of philosophy or what they let or what they let pass or okay, 140 00:10:22.480 --> 00:10:28.279 because that's been going on I Blizzard apparently for many, many many years. 141 00:10:28.320 --> 00:10:31.200 Okay, Now, what about political stance? Then you don't you care more 142 00:10:31.200 --> 00:10:37.240 about real issues like like like how people are treated and all of that, 143 00:10:37.000 --> 00:10:41.600 But what about the political stance if somebody takes a political stance. Me personally, 144 00:10:41.879 --> 00:10:46.679 I'm not big into politics yet. I am nineteen, so politics don't 145 00:10:46.720 --> 00:10:48.639 have a very really big impact in my life. Maybe in the future I 146 00:10:48.679 --> 00:10:52.000 will, but as of right now, no, Okay, it doesn't. 147 00:10:52.000 --> 00:10:56.000 And so when you buy something, it's based on either the merchandise or like 148 00:10:56.039 --> 00:11:01.240 you said, in that one company they had a reputation for harassing females. 149 00:11:01.320 --> 00:11:05.240 It's based on quality and just the company's reputation overall. Okay, cool, 150 00:11:05.679 --> 00:11:09.399 that's very good. Now I'm going to go to the calls. I have 151 00:11:09.480 --> 00:11:11.960 to take this break. So this question on real estate, get me primed 152 00:11:13.000 --> 00:11:18.919 here to Steve and I'll answer. What is it about? Are you there, 153 00:11:18.000 --> 00:11:22.240 Steve? Yes? I am okay. What is your question on real 154 00:11:22.360 --> 00:11:28.200 estate? Ten thirty one exchanges? Got it? Can you hold on with 155 00:11:28.360 --> 00:11:31.240 that? That's a big topic, and I'll give you the right information. 156 00:11:31.279 --> 00:11:39.840 Coming up, I'm Tom Martino. Go with a sure thing Denver's best roofer 157 00:11:39.960 --> 00:11:46.159 Excel Roofing dot com. You don't pay a cent until you're content. Time 158 00:11:46.159 --> 00:11:52.159 for an insurance check up free, no obligation comparison call Compass Insurance paying too 159 00:11:52.240 --> 00:11:56.159 much your coverage at dozens of insurance companies find out now three O three, 160 00:11:56.279 --> 00:11:58.639 seven to seven to one help. You'll think you're his only customer. When 161 00:11:58.639 --> 00:12:03.399 you choose Frank durand the real estate Man dot com to list your home with 162 00:12:03.519 --> 00:12:13.960 Remax alliance three oh three nine two zero sixteen twenty two. Hey Tom Martino 163 00:12:13.039 --> 00:12:18.519 here three oh three seven one three talk three oh three seven one three two 164 00:12:18.559 --> 00:12:20.320 five five. Steve wants Stephen wantson O or Steve wants to know about a 165 00:12:20.360 --> 00:12:24.120 ten thirty one tax free exchange. It's actually a text deferred exchange. But 166 00:12:24.600 --> 00:12:28.360 you take your gains from one piece of property, put it in a like 167 00:12:28.559 --> 00:12:33.639 piece of property. Your basis then is adjusted on that new property, and 168 00:12:33.679 --> 00:12:37.799 you carry your gain forward. So let's talk about it, Steve, what 169 00:12:37.799 --> 00:12:43.639 would you like to know? Well, in two thousand and nine, my 170 00:12:43.679 --> 00:12:54.200 wife and I purchased a rebuilt home and we did it mainly because we moved 171 00:12:54.200 --> 00:13:00.519 our son into it, so it was an income property. Right, No, 172 00:13:01.080 --> 00:13:05.120 if we bought it and he moved in it, and that's pretty much 173 00:13:05.200 --> 00:13:07.960 that and he's still in it. But so you didn't declare it as a 174 00:13:09.000 --> 00:13:13.679 residence though, right, it's not a residence, is that right? It's 175 00:13:13.720 --> 00:13:16.440 not a primary residence, now, is it? Do you call it a 176 00:13:16.519 --> 00:13:20.399 secondary residence? This is important, I'm asking for a reason. Yeah. 177 00:13:20.519 --> 00:13:26.399 No, we've really never declared anything name Okay, good, keep going. 178 00:13:26.440 --> 00:13:33.360 Then we've never profited from it and we just maintained it, you know, 179 00:13:33.960 --> 00:13:39.600 normal stuff. But anyway, we are in the process of moving to another 180 00:13:39.679 --> 00:13:46.960 county and we would very much like to be able to exchange that property that 181 00:13:46.000 --> 00:13:52.519 my son lives in, or a like property in that county. Yeah, 182 00:13:52.519 --> 00:13:56.360 but when you say it like property, you're moving your primary residence to another 183 00:13:56.399 --> 00:14:01.639 county. Is that what you're saying. You're selling your primary residence, right, 184 00:14:03.039 --> 00:14:07.879 that's correct. So you want to sell your primary residence, plus you 185 00:14:07.919 --> 00:14:11.759 want to sell this the secondary home, and you want to take all of 186 00:14:11.799 --> 00:14:18.200 that money and buy a new home. Well, no, we want to 187 00:14:18.200 --> 00:14:22.480 buy two homes. Okay, that's what I need to know. So you're 188 00:14:22.559 --> 00:14:26.399 selling your home and buying another primary home. Then you want to take your 189 00:14:26.399 --> 00:14:30.679 son, then you want to sell that home and buy another second home. 190 00:14:31.080 --> 00:14:35.000 That's correct, right, because with your primary residence, you don't have to 191 00:14:35.039 --> 00:14:39.720 do any exchange. You get five hundred thousand dollars exclusion with your wife and 192 00:14:39.759 --> 00:14:46.360 you. So on the secondary home, you don't. On the secondary home, 193 00:14:46.399 --> 00:14:54.360 you don't get any exclusion. And it might be deemed unfortunately an income 194 00:14:54.440 --> 00:14:58.600 property, whether you made income or not. Let me explain that if you 195 00:14:58.639 --> 00:15:05.759 have a secondary property and you don't treat it as a primary residence or you 196 00:15:05.799 --> 00:15:11.919 don't treat it as a vacation residence. There's a possibility there will be an 197 00:15:11.919 --> 00:15:18.840 imputed depreciation when you sell it, meaning that even though you did not take 198 00:15:18.879 --> 00:15:26.000 depreciation, it's imputed and your basis goes down anyway. Okay, so there's 199 00:15:26.080 --> 00:15:28.559 that possibility. I'm not sure though, if you never took a dime and 200 00:15:28.639 --> 00:15:33.240 your son lived in it. I had never had this situation come up where 201 00:15:33.600 --> 00:15:37.159 where you know, there are people who had a rental and never took depreciation 202 00:15:37.960 --> 00:15:41.279 and thought they had a higher basis and they didn't. But no matter what, 203 00:15:41.320 --> 00:15:46.360 you can the quick answer is that's very easy. No matter what your 204 00:15:46.399 --> 00:15:48.799 basis is, you can do a ten thirty one yes into a second home. 205 00:15:50.279 --> 00:15:54.559 It's better, though, to declare that a rental, whether you get 206 00:15:54.600 --> 00:16:02.159 money on it or not. I mean it because otherwise you can't buy another 207 00:16:02.159 --> 00:16:03.799 house. I mean, it's got to be like for like, and you 208 00:16:03.840 --> 00:16:07.240 don't get to have two residences. Your wife can have one and you can 209 00:16:07.279 --> 00:16:12.279 have one, or you can have one and then the other one must be 210 00:16:12.799 --> 00:16:18.240 a income property. If it's a vacation home, you don't get any capital 211 00:16:18.240 --> 00:16:22.480 gains treatment. So and it's not a vacation home, so make it an 212 00:16:22.519 --> 00:16:26.320 income property. You don't have to claim income. But that's what it will 213 00:16:26.320 --> 00:16:30.360 be now. The only so you're going to have a lower basis on this 214 00:16:30.440 --> 00:16:33.679 house because how long have you owned it? Since? Nine? My god? 215 00:16:33.759 --> 00:16:36.679 You so you have ten years of depreciation. You're going to have a 216 00:16:36.759 --> 00:16:40.240 very low basis. We may want to get my accountant on. I might 217 00:16:40.279 --> 00:16:42.440 be telling you that you need to take depreciation when you don't. But I 218 00:16:42.480 --> 00:16:45.320 know one thing for sure. It can't be a resident. It can't be 219 00:16:45.360 --> 00:16:49.639 a residence at all because you can't have two and you can't ten thirty one 220 00:16:49.679 --> 00:16:55.799 into another house. You can ten thirty one like for like. So let's 221 00:16:55.879 --> 00:16:59.320 just find out the best way to do that. And you know, ka 222 00:16:59.399 --> 00:17:03.919 China, I don't know why after all these years and I have people call 223 00:17:03.000 --> 00:17:06.240 in all the time. I used to have a ten thirty one expert. 224 00:17:06.599 --> 00:17:08.839 Did we ever keep the name of anyone We've had people call in to say 225 00:17:08.839 --> 00:17:11.559 I'm a ten thirty one expert. Have we ever kept any of those names? 226 00:17:11.640 --> 00:17:14.720 I'm not sure, but I can't. I think I got one. 227 00:17:15.000 --> 00:17:17.759 You got oh Mark, Well, I thank you for chiming in, bro 228 00:17:18.240 --> 00:17:21.200 I mean I think that that would be good. If we don't have a 229 00:17:21.200 --> 00:17:22.480 ten thirty one expert. Yeah, hold tight, I'll find him, all 230 00:17:22.559 --> 00:17:26.359 right, And if he doesn't find him, just on the off chance, 231 00:17:26.400 --> 00:17:30.119 then let's get our accountant on one of our accountants on three oh three seven 232 00:17:30.200 --> 00:17:33.240 one three A two five five. So hang on and we'll come back to 233 00:17:33.279 --> 00:17:36.920 you and get you an exact answer. But here's how ten thirty one works, 234 00:17:36.920 --> 00:17:40.440 Steve. You can do it. You can identify the house and then 235 00:17:40.480 --> 00:17:42.640 sell your house, or you can sell your house and then identify the house. 236 00:17:42.839 --> 00:17:47.039 You don't have to do it simultaneously. You just have to get an 237 00:17:47.039 --> 00:17:52.920 intermediary to do it. Does that make sense? Yeah, and that's what 238 00:17:52.079 --> 00:17:56.480 my next question would be, is you have a referral for now? I 239 00:17:56.559 --> 00:18:02.400 don't have. I used to have a qualified mediary, I intermediary or whatever 240 00:18:02.440 --> 00:18:06.359 they call it, a ten thirty one media. Let's see what do they 241 00:18:06.359 --> 00:18:08.319 call them? It a ten thirty one brokeer I used to call them. 242 00:18:08.319 --> 00:18:12.279 But whatever, you have to have one to do it an well, you 243 00:18:12.359 --> 00:18:15.880 don't, but you would be insane not to. They know how to do 244 00:18:15.960 --> 00:18:18.480 it. They know the ins and outs, They take possession, They then 245 00:18:18.640 --> 00:18:22.200 make the trade, because that's really what you're doing. You're making a trade 246 00:18:23.559 --> 00:18:30.200 right, and the intermediary handles it. They take possession of one, then 247 00:18:30.240 --> 00:18:36.720 you take, and then they swap it for the other. So why don't 248 00:18:36.720 --> 00:18:40.759 you hold on and we'll get you some answers on that specifically three oh three 249 00:18:41.200 --> 00:18:48.079 seven one three talk three oh three seven one three eight two Go with a 250 00:18:48.160 --> 00:18:52.480 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 251 00:18:52.680 --> 00:19:00.200 until you're content. Time for an insurance check up free no obligation compares and 252 00:19:00.359 --> 00:19:04.440 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 253 00:19:04.440 --> 00:19:08.000 now three oh three seven seven to one help. You'll think you're his only 254 00:19:08.079 --> 00:19:11.920 customer when you choose Frank durand the real estate Man dot com to list your 255 00:19:11.960 --> 00:19:18.880 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi 256 00:19:19.000 --> 00:19:22.400 Tom Martine here three ol three seven one three talk seven one three eight two 257 00:19:22.440 --> 00:19:26.799 five five Waterpros dot net. Water Pros the best water systems ever in your 258 00:19:26.799 --> 00:19:30.359 home at your kitchens sake. Fourteen hundred dollars for the best drinking water in 259 00:19:30.400 --> 00:19:33.759 the world three oh three eight six two five five five four. If you 260 00:19:33.799 --> 00:19:38.559 think about your body supplements, health, exercise, you gotta think about water 261 00:19:40.720 --> 00:19:45.440 waterpros dot Net. Hey, let's talk. Okay, we have Claudine. 262 00:19:45.519 --> 00:19:51.839 She has a follow up. Claudine has a twenty eighteen Cadillac XT five. 263 00:19:52.759 --> 00:19:57.240 She took it to the dealer with an AC problem and they said the thermostat 264 00:19:57.240 --> 00:20:04.119 was stuck open. Charged for eighteen hundred bucks. So she later on talked 265 00:20:04.160 --> 00:20:07.519 to someone who said I could have saved you four hundred bucks, and I 266 00:20:07.599 --> 00:20:11.079 told her, you really can't do stuff like that. I mean, you 267 00:20:11.160 --> 00:20:15.759 can, but there's not much we can do about the original shop that charged 268 00:20:15.799 --> 00:20:22.359 her four hundred dollars. More. Now, there's something called unconscionability. Let's 269 00:20:22.400 --> 00:20:26.319 say that she went to a guy and he charged her six grand and it 270 00:20:26.359 --> 00:20:30.240 should have been six dollars. I mean, obviously the common man would say 271 00:20:30.240 --> 00:20:33.640 that's unconscionable, but we're this guy tells her after the fact, well, 272 00:20:33.680 --> 00:20:37.400 I would have saved you four hundred dollars, I said, Clouding. There's 273 00:20:37.440 --> 00:20:41.799 not much we can do, and I don't even recall that we took this 274 00:20:41.920 --> 00:20:45.400 on as a problem, nor did we contact them. But you're calling us 275 00:20:45.440 --> 00:20:51.160 with a follow up. What's going on, Claudine, Let me bring you 276 00:20:51.240 --> 00:20:52.240 up here. I'm sorry, it's my fault. Go ahead, Claudine, 277 00:20:52.279 --> 00:21:00.240 Sorry, go ahead. Hi Tom. I contacted the a Cadillac dealer in 278 00:21:00.279 --> 00:21:03.559 Colorado Springs, the one that did the work, Yeah, the one that 279 00:21:04.119 --> 00:21:08.880 was a little high price. Yes, yes, yes, And I told 280 00:21:10.000 --> 00:21:14.359 him about the Cadillac dealer in Greeley, where I live. I had talked 281 00:21:14.359 --> 00:21:18.680 to them. Yeah, okay, So I talked to the manager there at 282 00:21:18.759 --> 00:21:22.920 Red Nooland in Colorado Springs. He said he would check it out and call 283 00:21:22.000 --> 00:21:27.920 me back, which he did, and he had contacted the Cadillac dealer in 284 00:21:29.039 --> 00:21:34.680 Greeley. And then he notified me that that Colorado Springs charges quite a bit 285 00:21:34.720 --> 00:21:41.599 more per hour for labor because of the location. And he did get down 286 00:21:41.640 --> 00:21:47.559 to the baseline that they did overcharge me for labor. Well, when he 287 00:21:47.599 --> 00:21:51.680 said overcharge you, I thought he just said though they charged normally more in 288 00:21:51.759 --> 00:21:55.920 Colorado Springs, right, they do, They do charge quite a bit more. 289 00:21:56.039 --> 00:22:00.559 Did he charge Did he say he charged you more than they usually charge 290 00:22:00.680 --> 00:22:07.440 or just overcharged compare to Greeley. He just said that they checked their records 291 00:22:07.480 --> 00:22:14.720 and they charged too many hours. Oh wow, okay, wow, okay, 292 00:22:15.640 --> 00:22:21.359 so they are going to send me as substantial refund. That is wonderful. 293 00:22:21.400 --> 00:22:26.599 How much four hundred and seventy three dollars exactly what you thought now, 294 00:22:27.160 --> 00:22:32.839 so this is very interesting. He said, we have a higher labor rate, 295 00:22:33.640 --> 00:22:37.680 and of course everyone can charge whatever labor rate they want, but he 296 00:22:37.839 --> 00:22:41.240 was honest enough to say it wasn't the labor rate that was wrong. We 297 00:22:41.359 --> 00:22:48.680 charged you too many hours. Yes, that's very that's very good that you 298 00:22:48.759 --> 00:22:52.279 took that into your own hands to do that. Claudine. Yes, and 299 00:22:52.319 --> 00:22:55.720 I'm glad he was very honest with me. Yeah, and I'm glad you 300 00:22:55.799 --> 00:22:59.720 did that despite what I said, because I never thought of that. I 301 00:22:59.759 --> 00:23:03.559 thought about, oh yeah, people charge different stuff, they can. I 302 00:23:03.680 --> 00:23:08.079 never even dreamed it would have been an error literally charging more. But that's 303 00:23:08.119 --> 00:23:11.400 good that you checked. It's good you saw a discrepancy and you checked. 304 00:23:11.759 --> 00:23:15.559 And Claudine, Yeah, my hat's off to you on that one. That's 305 00:23:15.680 --> 00:23:19.319 very good. Thank you. Yep, we got a dinger, but it's 306 00:23:19.359 --> 00:23:23.480 not my dinger. We'd have to give that dinger to someone else, Thank 307 00:23:23.519 --> 00:23:30.759 you, Shannon. I however, that dinger is I don't deserve at this 308 00:23:30.880 --> 00:23:36.839 point three to zero three seven one three talk seven one three A two five 309 00:23:36.920 --> 00:23:40.759 five. Yeah, Mark, did you come up with a ten thirty one 310 00:23:40.799 --> 00:23:44.559 person? Yeah. I'm waiting for the CEO to call back. We had 311 00:23:44.599 --> 00:23:48.079 him on a little I don't know a while. Back to company is ten 312 00:23:48.200 --> 00:23:52.400 thirty one X. They're all over the country. Okay, good owner or 313 00:23:52.440 --> 00:23:55.960 CEO as Sean. I should be hearing from him pretty soon and we'll get 314 00:23:56.000 --> 00:23:59.039 them up good. Meanwhile, I have Ed. Ed's a good guy. 315 00:23:59.079 --> 00:24:00.799 I've known him for years. Ed Tomlinson. He's a real estate broker in 316 00:24:00.880 --> 00:24:06.000 town. And and uh, Ed, you have a comment. What's your 317 00:24:06.000 --> 00:24:08.279 comment on the ten thirty one I do. I don't know if you're familiar 318 00:24:08.359 --> 00:24:17.839 with ten thirty one DST. DST stands for Delaware Statuary. Well, what 319 00:24:17.880 --> 00:24:22.960 would what would Delaware Statuary whatever have to do with us? Here? You 320 00:24:22.000 --> 00:24:26.000 can ten thirty one into that and it's similar to a RITS that it's private. 321 00:24:26.799 --> 00:24:32.799 Really wait wait, wait, so you ten thirty one into a company 322 00:24:32.839 --> 00:24:38.359 out of Delaware that is crit and then what do they do they do, 323 00:24:40.359 --> 00:24:45.759 big buildings, apartment buildings, everything that rits do except what's private. Now, 324 00:24:45.799 --> 00:24:48.119 once you take but once you trade into it, you own part of 325 00:24:48.160 --> 00:24:53.359 a rate. Yeah, well a private yes, but then that doesn't get 326 00:24:53.400 --> 00:24:57.240 you the money to use for another house though. No. No, So 327 00:24:57.319 --> 00:25:00.319 if you've got a bunch of rentals, oh, I see, if you're 328 00:25:00.359 --> 00:25:04.559 not, If you're not interested in buying something else, if you're simply interested 329 00:25:06.160 --> 00:25:11.480 in reaping some of your money and reinvesting it, you can reinvest it into 330 00:25:11.519 --> 00:25:15.640 a rate and defer your gain, is what you're saying. Not a DST 331 00:25:17.160 --> 00:25:23.720 A read is not legal for ten one? Oh satuary trust a statuary Okay, 332 00:25:23.839 --> 00:25:27.279 very interesting, never heard of that before. Wow, I know that's 333 00:25:27.279 --> 00:25:33.599 why I call Delaware Statutory Trust about it. That's very cool. Trust. 334 00:25:33.799 --> 00:25:37.480 I'm going to ask the other guy about it. That's very cool. Thank 335 00:25:37.559 --> 00:25:42.039 you. There's some there's some requirements. Some of them require a million dollars 336 00:25:42.160 --> 00:25:47.279 net worth, some of the require two mil. But it's it's just like 337 00:25:47.319 --> 00:25:51.319 a rip. You know why they require that, right? It's very simple 338 00:25:51.400 --> 00:25:57.960 because they're they're doing the qualified uh investor, the qualified client versus an accredited 339 00:25:59.039 --> 00:26:03.200 investor. Probably they need to make sure you're qualified. It's not open to 340 00:26:03.319 --> 00:26:06.839 just anyone. That's probably why they're doing I think about twenty five thousand, 341 00:26:06.920 --> 00:26:11.279 fifty thousand, a couple hundred. It's one has different options for you. 342 00:26:11.079 --> 00:26:15.680 Okay, do you know people? Do you know people have done this? 343 00:26:15.880 --> 00:26:22.720 Ed hmm no, okay, it's too new for me. All right, 344 00:26:22.799 --> 00:26:26.200 thank you very much. I appreciate that. Three three seven one three talk 345 00:26:26.279 --> 00:26:37.319 seven on three eight two five five? Fran what's happening? Fran? Hi? 346 00:26:37.519 --> 00:26:41.440 Tom? How are you good? What's going on with you today? 347 00:26:41.160 --> 00:26:45.039 Okay? Well, my son owns a condo and he's like the middle condo. 348 00:26:45.119 --> 00:26:49.400 There's someone above him, someone below him. His tub is draining very 349 00:26:49.519 --> 00:26:53.279 very slow, or not draining at all. He had a plumber come out. 350 00:26:53.400 --> 00:26:57.880 They snaked it. They could only get so far that they didn't get 351 00:26:57.920 --> 00:27:03.720 like any hair, youngk or you know, gunk out of his tub when 352 00:27:03.759 --> 00:27:07.000 they snaked it. So the guy said, well, you're probably gonna have 353 00:27:07.039 --> 00:27:11.039 to remove your tub and then we'll have to go from there. We're concerned 354 00:27:11.119 --> 00:27:15.880 that the problem is not even with him, but it has something to do 355 00:27:15.079 --> 00:27:19.440 in the condo building. Yeah, that's probably that's probably true. It's in 356 00:27:19.519 --> 00:27:26.480 fact, it's most assuredly that because here's why. In a condo what you 357 00:27:26.640 --> 00:27:34.079 have are very small service lines. A service line means the line exclusive to 358 00:27:34.160 --> 00:27:41.000 the condo. The line exclusive to a condo can't be any longer than the 359 00:27:41.079 --> 00:27:45.039 condo. I mean, it's a very short line. Everything else is a 360 00:27:45.160 --> 00:27:49.000 common line. The problem you're going to have, And in fact, they 361 00:27:49.000 --> 00:27:55.200 should have restrictions on snaking drains in a condo because you can screw it up 362 00:27:55.839 --> 00:27:57.640 and then you'd be responsible for it. But if they're letting you do it, 363 00:27:57.680 --> 00:28:04.160 there's nothing wrong with exploding it. However, if you have a problem 364 00:28:04.240 --> 00:28:08.720 with a common line, the problem you're going to have is getting the HOA 365 00:28:08.799 --> 00:28:15.440 to do anything about it, because they just don't want to spend money, 366 00:28:15.680 --> 00:28:19.000 right, I don't know what to tell him. Well, here's what I 367 00:28:19.039 --> 00:28:23.240 want to tell him. Here's what you do. First, have them go 368 00:28:23.799 --> 00:28:30.279 and do his service line, and then if after they get to the common 369 00:28:30.319 --> 00:28:34.480 line it doesn't work, then he'll have something to tell the HOA. And 370 00:28:34.519 --> 00:28:38.160 then if it is the service line, one of the common excuse me. 371 00:28:38.480 --> 00:28:42.720 If it is one of the common lines, then other condos have to be 372 00:28:42.839 --> 00:28:47.799 feeling it. It can't do is he you said have him? What's that? 373 00:28:48.680 --> 00:28:52.200 Who is he? You said? Have him by her son? Okay, 374 00:28:52.359 --> 00:28:55.359 like have a plumber? Do what you mean? Like most anybody on 375 00:28:55.440 --> 00:28:57.200 referral list isn't going to go out there. I just wanted to get that 376 00:28:57.319 --> 00:29:02.000 out there before you said that and tell tell them why Mark, Well, 377 00:29:02.000 --> 00:29:07.319 because they can screw up that main line exactly exactly. It's very difficult to 378 00:29:07.359 --> 00:29:11.200 get people to work on stuff in a condo beyond the walls of that condo. 379 00:29:11.759 --> 00:29:15.880 Okay, Mark, they would do a local snake right there, but 380 00:29:15.920 --> 00:29:18.359 they will go and plumb line for example, or fix it. Will not 381 00:29:18.400 --> 00:29:25.519 go into a commercial building. Yeah, I'm not saying no one on referral 382 00:29:25.559 --> 00:29:30.160 list. There might be somebody Master Rooter might because they do commercial as well, 383 00:29:30.480 --> 00:29:34.200 but they might not do condo. Did you call did your son call 384 00:29:34.640 --> 00:29:41.240 the HOA or the management company and report this? I don't know. Okay, 385 00:29:41.279 --> 00:29:44.359 that's what you do first. Here's what I do first time. I 386 00:29:44.440 --> 00:29:48.920 do something different. What I'd pour some freaking draino down there, That's one 387 00:29:48.960 --> 00:29:52.559 thing. Yeah, liquid plumber. I a gallon of it down there. 388 00:29:52.039 --> 00:29:56.119 I love it now. Now now listen, I'm serious when I tell you 389 00:29:56.119 --> 00:29:57.720 this. I love liquid plumber. I love it. It works, I 390 00:29:57.759 --> 00:30:03.000 love it. But you gotta let it's set and then and then repeat it. 391 00:30:03.039 --> 00:30:06.279 And because you let it set for like fifteen to twenty minutes and hit 392 00:30:06.319 --> 00:30:10.759 it with hot, hot water, I'll tell him to keep trying now, 393 00:30:10.960 --> 00:30:14.720 now hold on though. If that doesn't, never not him. It's something 394 00:30:14.720 --> 00:30:18.440 else and it's just too expended. Let me ask you this, are other 395 00:30:18.759 --> 00:30:25.039 Are other areas draining slowly? If he had a problem with the dishwasher at 396 00:30:25.039 --> 00:30:27.880 one point and they were able to get that cleaned out, Yeah, the 397 00:30:27.920 --> 00:30:32.319 dishwasher is a whole difference. That's a whole different thing. What about the 398 00:30:32.359 --> 00:30:34.119 toilet, you know, are you having problems? And he said no, 399 00:30:34.160 --> 00:30:38.319 Then I don't think. I think it's local with the tub, That's what 400 00:30:38.359 --> 00:30:41.960 I think. I think it's hair and gook and all that crap. And 401 00:30:41.000 --> 00:30:45.319 I think Marks Wright with that liquid stuff. Have him try that. But 402 00:30:45.359 --> 00:30:52.400 then before you do any snaking, you contact your your hoa management company. 403 00:30:53.680 --> 00:30:57.920 Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't 404 00:30:57.960 --> 00:31:04.759 pay a cent, you're content. Time for an insurance check up free, 405 00:31:04.839 --> 00:31:10.519 no obligation. In comparison, call Compass insurance paying too much your coverage at 406 00:31:10.559 --> 00:31:14.240 dozens of insurance companies find out now three all three seven to seven to one 407 00:31:14.359 --> 00:31:18.000 help. You'll think you're his only customer when you choose Frank durand the real 408 00:31:18.119 --> 00:31:22.640 estate Man dot Com to list your home with Remax Alliance three all three nine 409 00:31:22.680 --> 00:31:30.400 two zero sixteen twenty two. Hi Tom Martinez here three oh three seven one 410 00:31:30.480 --> 00:31:33.400 three talks seven one three A two five five eighty eight. Heating dot Com 411 00:31:33.440 --> 00:31:37.839 has the risk free service fee twenty eight bucks to service one item in your 412 00:31:37.839 --> 00:31:41.359 home, whether it's plumbing or heating or cooling or your whatever, anything electrical, 413 00:31:41.720 --> 00:31:45.000 and they'll come out and service at your your panel, your toilet, 414 00:31:45.039 --> 00:31:48.319 your water heater with a flush or whatever. And then if you need more 415 00:31:48.359 --> 00:31:52.839 work done, they credit you the twenty eight bucks. That's that's how it 416 00:31:52.880 --> 00:31:56.920 works. It's that easy and they're great people. Eight eight eight Heating dot 417 00:31:56.960 --> 00:32:02.119 Com. Okay, so Josh has an issue with a neighbor. We also 418 00:32:02.119 --> 00:32:05.920 have kN h in the house. We haven't gotten to yet, but some 419 00:32:06.200 --> 00:32:09.759 very interesting things in the window business, like crazy stuff. And I love 420 00:32:09.799 --> 00:32:14.559 when you get a local company like the I call it the oldest home improvement 421 00:32:14.599 --> 00:32:20.000 company in Colorado that I know. And then you have an old established window 422 00:32:20.079 --> 00:32:23.400 maker going into the residential world, and then you have them team up. 423 00:32:23.559 --> 00:32:28.640 That's cool, Josh, what's happening with you? Josh? Welcome. Our 424 00:32:28.759 --> 00:32:32.039 number, by the way is three oh three seven to one three talk seven 425 00:32:32.119 --> 00:32:35.400 one three eight two five five, or of course you can always call it 426 00:32:35.400 --> 00:32:39.839 three oh three Martino. Hey, Josh, what's happening? Hey, tom 427 00:32:39.880 --> 00:32:45.559 So, I share my very back sense with a city property where they store 428 00:32:45.640 --> 00:32:50.039 like the snowploud trucks and everything in the service vehicle. It's called the yard. 429 00:32:50.119 --> 00:32:54.799 Yeah. And so today, in about three weeks ago, because I 430 00:32:54.839 --> 00:32:58.480 worked from home a couple of days during the week, I noticed them in 431 00:32:58.519 --> 00:33:01.359 the back burnings stuff. And when I peeked over the fence and saw it, 432 00:33:01.240 --> 00:33:06.400 it looked like they were burning old like police evidence. It was brown 433 00:33:06.400 --> 00:33:09.079 paper sacks with red tape on them that they were throwing into an incinerator. 434 00:33:09.119 --> 00:33:12.519 And you know, the smoke with the wind was going all over the place 435 00:33:12.519 --> 00:33:19.759 at times, walking over our house. And I hope not, but I 436 00:33:19.799 --> 00:33:23.720 am a little bit concerned if they are burning drugs or possibly clothing, you 437 00:33:23.759 --> 00:33:30.440 know what kind of stuff you know they're letting out, right, that's kind 438 00:33:30.480 --> 00:33:36.480 of crazy, Like it's just an open kind of fires at a sealed incinerator. 439 00:33:36.559 --> 00:33:40.279 What is it? I mean, from the outside, it almost looked 440 00:33:40.279 --> 00:33:45.640 like a fifty gallon a little bit larger than a fifty gallon metal barrel on, 441 00:33:45.960 --> 00:33:49.880 you know, like a cart type thing. And they were, you 442 00:33:49.920 --> 00:33:52.359 know, it looked like they were feeding it with wood, but you know, 443 00:33:52.400 --> 00:33:57.319 it almost sounded like a very muted, quiet jet engine for a better 444 00:33:57.359 --> 00:34:01.000 part of two or three hours. And they had these browns, these brown 445 00:34:01.079 --> 00:34:07.920 packages with tape on them, like obviously wrap that. Yeah, that looked 446 00:34:07.960 --> 00:34:10.079 like I mean, there were brown paper bags with red tape over them that, 447 00:34:12.239 --> 00:34:17.280 in my experience, are very commonly used for evidence at police departments. 448 00:34:17.800 --> 00:34:23.559 And what city is this? But wheat Ridge, did you just call and 449 00:34:23.679 --> 00:34:29.480 ask I haven't it just happened today? And I turned on the show and 450 00:34:29.480 --> 00:34:31.840 I thought, man, I'll tell you what, I would be really curious 451 00:34:32.199 --> 00:34:36.199 if you don't get any answers call us back, but just call them and 452 00:34:36.239 --> 00:34:38.039 say, what the hell are you burning? Back? There was it was 453 00:34:38.079 --> 00:34:43.800 there any kind of a particular foul smell or anything, or you just suspecting 454 00:34:43.840 --> 00:34:47.119 it. I noticed it a couple of times, but the wind direction was 455 00:34:47.199 --> 00:34:51.679 changed. It was quite variable, so you know it wasn't all the time 456 00:34:51.679 --> 00:34:54.760 blowing, would you though, Josh, we will keep track of this call. 457 00:34:54.800 --> 00:34:58.000 I'm going to write it down. I really want you to call me 458 00:34:58.039 --> 00:35:00.480 back. In fact, during this show, if you can call him and 459 00:35:00.599 --> 00:35:02.840 just ask him in a friendly way. I'm curious what you are burning. 460 00:35:04.119 --> 00:35:07.440 Give me an idea and then call me back. We'll investigate it. If 461 00:35:07.480 --> 00:35:09.320 you don't get the answers, I'm Tom Martino. We have more coming up. 462 00:35:12.800 --> 00:35:15.880 Go with a sure thing Denver's Best roofer Excel Roofing dot com. You 463 00:35:15.920 --> 00:35:22.920 don't pay a cent until you're content. Time for an insurance check up free, 464 00:35:23.000 --> 00:35:28.519 no obligation. In comparison, call Compass Insurance paying too much your coverage 465 00:35:28.559 --> 00:35:31.400 at dozens of insurance companies find out now three oh three seven seven to one 466 00:35:31.519 --> 00:35:36.159 help. You'll think you're his only customer when you choose Frank durand the real 467 00:35:36.280 --> 00:35:39.800 estate Man dot com to list your home with Remax Alliance three oh three nine 468 00:35:39.840 --> 00:35:55.639 two zero sixteen twenty two. Ripped News. You don't have to run anxious 469 00:35:55.719 --> 00:36:02.519 as fast as the kid shoots. Good the help coming man. This is 470 00:36:02.519 --> 00:36:09.760 the Troubleshooter Show. No Tom Martino, Hi Tom Martino, your Troubleshooter. 471 00:36:09.880 --> 00:36:14.800 Welcome to the show. Three all three seven one three talks seven one three 472 00:36:14.840 --> 00:36:17.440 eight two five five. So Steve called in earlier and said I have a 473 00:36:17.519 --> 00:36:22.199 house I wanted ten thirty one the house. We had to get an expert 474 00:36:22.239 --> 00:36:27.599 on Mark called these people ten thirty one x dot com and we're going to 475 00:36:27.679 --> 00:36:30.719 talk to Steve from that company. Just a little thing about a ten thirty 476 00:36:30.719 --> 00:36:37.159 one. Really, what it is is just a way to differn to fur 477 00:36:37.360 --> 00:36:40.920 tax gain. What you do is you take your capital gains instead of realizing 478 00:36:40.960 --> 00:36:45.679 them and paying tax on them. If you make a profit on a piece 479 00:36:45.719 --> 00:36:51.440 of real estate, a ten thirty one allows you to trade that real estate 480 00:36:52.039 --> 00:36:57.840 into another piece of property where you transfer the gain into that next property and 481 00:36:57.880 --> 00:37:02.079 you accumulate gain until you eventually sell it and then you pay your taxes. 482 00:37:05.039 --> 00:37:10.400 So that Steve wants to know about this house. And before we we got 483 00:37:10.400 --> 00:37:15.719 both, Steve Steve the caller and I'm just gonna call him mister hitcocks, 484 00:37:15.719 --> 00:37:20.480 so we don't get them confused, Hitcocks is with ten thirty one x exchange. 485 00:37:20.559 --> 00:37:23.199 Mister Hitcocks, I want to ask a question real quick on a ten 486 00:37:23.320 --> 00:37:29.079 thirty one? Can you can you first of all tell us what does it 487 00:37:29.199 --> 00:37:35.000 mean like for like In other words, you can't trade an airplane for a 488 00:37:35.000 --> 00:37:38.119 piece of real estate. You can't trade I don't know, can you trade 489 00:37:38.119 --> 00:37:44.920 a factory for a residential house? Or what is like for like? Well, 490 00:37:45.599 --> 00:37:50.280 the tax coach says this, in order to qualify for a ten thirty 491 00:37:50.360 --> 00:37:57.599 one, both the relinquished property and the replacement property must both be either held 492 00:37:57.679 --> 00:38:02.599 for investment or used in business. But other than that, all real estate 493 00:38:02.760 --> 00:38:07.599 isfe kind to all other real estate as long as that qualified use test is 494 00:38:07.719 --> 00:38:14.360 met, held for investment, or used in trader business. Okay, So 495 00:38:15.239 --> 00:38:20.360 that's the sixty four thousand dollars question with him because he has this house, 496 00:38:21.199 --> 00:38:23.159 and I don't think it's a big argument. I don't think it's a hard 497 00:38:23.280 --> 00:38:27.480 argument to make. It's held for investment, but it's not really a rental. 498 00:38:27.519 --> 00:38:30.159 His son lives in it, he and so is that considered an investment 499 00:38:30.159 --> 00:38:34.760 prior he bought a house? His son lives in it, So that is 500 00:38:34.960 --> 00:38:42.000 would you call that an investment property? I would right. Well, here's 501 00:38:42.039 --> 00:38:46.039 the thing, and that is the best evidence of whether a property is held 502 00:38:46.039 --> 00:38:52.639 for investment is how you have treated it. How have you treated it on 503 00:38:52.679 --> 00:38:57.440 your past tax returns. So if he has put it on his tax return 504 00:38:57.880 --> 00:39:02.280 on his Schedule E and shown it on his Schedule E, that kind of 505 00:39:02.840 --> 00:39:08.679 concludes that it's held for investment. On the other hand, if he has 506 00:39:09.280 --> 00:39:13.960 never shown this on his tax return because his son has been living in it, 507 00:39:14.000 --> 00:39:16.679 and he's never shown it on a tax return for any reason, then 508 00:39:16.719 --> 00:39:21.880 that makes it a harder case to prove that it's held for investment. Now 509 00:39:22.000 --> 00:39:24.559 I suspected something like that, So I want to ask that I want to 510 00:39:24.599 --> 00:39:30.159 clarify this further. If he has a home and his son lives in it, 511 00:39:30.960 --> 00:39:36.400 can he claim it on Schedule E even if he does not collect rent. 512 00:39:37.199 --> 00:39:45.320 Yes, one more thing, and that is again, the easiest way 513 00:39:45.360 --> 00:39:50.360 to prove that something is held for investment is you have it on your tax 514 00:39:50.400 --> 00:39:54.760 return and you collect rent. Then it's proof positive that you're holding for it 515 00:39:54.800 --> 00:40:00.599 for investment. Remember, it's always the burden of proof is always on the 516 00:40:00.639 --> 00:40:05.280 taxpayer to prove in this case that the property is held for investment, so 517 00:40:05.320 --> 00:40:09.559 the taxpayer has that burden when the issue arises, did you hold this for 518 00:40:09.719 --> 00:40:15.440 investment or not? And that it's it's based on as usual, all the 519 00:40:15.480 --> 00:40:20.440 facts and circumstances. Okay, Now what about this then? If he has 520 00:40:20.519 --> 00:40:25.000 the house, his son lives in it, and he's never depreciated it does 521 00:40:25.280 --> 00:40:34.000 does Schedule E demand depreciation? Well, the tax code demands depreciation, That's 522 00:40:34.039 --> 00:40:37.920 what I meant. Yeah, okay, and improve and improved property that you're 523 00:40:37.199 --> 00:40:45.679 holding for investment. Taking depreciation is actually demanded for right. A lot of 524 00:40:45.679 --> 00:40:49.400 people don't realize that and explain what that means if you don't do it. 525 00:40:50.280 --> 00:40:52.960 Well, it means that that it will be imputed to you. When you 526 00:40:53.039 --> 00:40:59.360 sell the property. The irs will treat it as if you had taken depreciation 527 00:40:59.599 --> 00:41:06.119 even you have it, So your tax liability will be based on a reduced 528 00:41:06.239 --> 00:41:09.400 basis. As you take depreciation. Of course, your right basis goes down 529 00:41:09.519 --> 00:41:14.400 every year, and they will presume that you did take it, and your 530 00:41:14.440 --> 00:41:17.639 basis will be treated as having been reduced every year. Now let's talk about 531 00:41:17.639 --> 00:41:22.519 this then. Is it too late for someone who's had a home, Well, 532 00:41:22.559 --> 00:41:24.400 no, my god, he's had it for so long. But let's 533 00:41:24.440 --> 00:41:28.039 say this, Let's say you've had it a few years, would it be 534 00:41:28.639 --> 00:41:34.360 would it be considered improper to do an amended return and say, oh, 535 00:41:34.800 --> 00:41:40.880 I meant to call this an investment property. You know, first of all, 536 00:41:40.880 --> 00:41:52.480 amending tax returns is the IRIS doesn't respond very quickly. When you file 537 00:41:52.559 --> 00:41:57.800 an amended return. You can't file it electronically. You have to file it 538 00:41:58.400 --> 00:42:04.000 in paperwork form. And the IRS just is not really very well equipped to 539 00:42:04.159 --> 00:42:07.920 handle amended returns. Yes, I do handle amended returns, but they're not 540 00:42:08.119 --> 00:42:13.400 very good at it. So if you're finally amended return, don't think that 541 00:42:13.440 --> 00:42:17.559 you're immediately going to get the IRS's attention by having done that. Okay, 542 00:42:17.840 --> 00:42:23.880 but and and let's talk to Steve. And Steve, since two thousand and 543 00:42:24.000 --> 00:42:30.199 nine has your son lived there? That's correct? So basically, you know, 544 00:42:30.360 --> 00:42:36.239 eleven, twelve, whatever years, and you've never you've never received a 545 00:42:36.280 --> 00:42:40.159 diamond rent, right right? And did you put it on your tax return? 546 00:42:42.239 --> 00:42:46.519 No, Steve, I'm telling you that's a that's a tough one. 547 00:42:47.679 --> 00:42:51.519 What do you think as far as calling it a trying to do a ten 548 00:42:51.599 --> 00:42:58.199 thirty one right now. You know, I'm not sure you know, I'm 549 00:42:58.239 --> 00:43:04.880 looking at it from the standpoint of I'm just trading or trading up for trading 550 00:43:04.920 --> 00:43:08.039 down to another home in a different county. But it doesn't work that way. 551 00:43:08.199 --> 00:43:12.320 It doesn't work that way, Steve. I mean that's what you look 552 00:43:12.360 --> 00:43:15.000 at it. But the irony the government has codes. I mean, we 553 00:43:15.119 --> 00:43:19.079 might look at it any way we want. I look at my salary as 554 00:43:19.119 --> 00:43:23.800 being a gift, but it's not. It's income. So Steve, really 555 00:43:24.239 --> 00:43:29.159 all joking aside, It doesn't matter what you think of it is you know, 556 00:43:29.679 --> 00:43:34.960 Steve, is that blunt enoughocks? You mean, yes, I'm mister 557 00:43:35.039 --> 00:43:39.599 hitcock. Sorry, yes, yes. And keep in mind though that if 558 00:43:39.639 --> 00:43:44.159 you if you do a ten thirty one exchange and it gets challenged by the 559 00:43:44.199 --> 00:43:47.519 IRS, you're going to have to pay the taxes that you otherwise would have 560 00:43:47.559 --> 00:43:52.119 had to pay anyway. Plus in this case, you're certainly not going to 561 00:43:52.199 --> 00:43:57.960 be penalized for doing this, So you would be required to pay the taxes 562 00:43:58.000 --> 00:44:04.400 that you otherwise would have had to pay this transaction, plus the IRS interest 563 00:44:04.480 --> 00:44:08.079 rate on those unpaid taxes. So that's the risk that you're taking here. 564 00:44:08.079 --> 00:44:14.519 It's not an enormous risk. It's just taxes. Yeah, yeah, I 565 00:44:14.519 --> 00:44:19.360 see what you're saying. So do you have people Steve often that well meant 566 00:44:19.440 --> 00:44:22.119 not often, But do you have people that do it and say, let's 567 00:44:22.159 --> 00:44:28.000 take a flyer and see what happens. Well, you can see the definition 568 00:44:28.079 --> 00:44:36.880 of health or investment can fade into various shades of gray. So every taxpayer 569 00:44:37.000 --> 00:44:42.000 has a different risk profile that they're willing to take. Some taxpayers are like, 570 00:44:42.039 --> 00:44:45.239 gosh, I don't want to mess with the RS under any circumstances, 571 00:44:45.599 --> 00:44:49.400 and others say, tee, this is a closer call than I thought. 572 00:44:50.199 --> 00:44:52.599 Maybe I'll go for it. And all we try to do is discuss with 573 00:44:52.679 --> 00:44:58.960 the client what those text risks are, and ultimately the call is THEIRS. 574 00:44:59.199 --> 00:45:00.840 Well, let me ask you that our ten thirty one's one of the red 575 00:45:00.840 --> 00:45:08.360 flag things that might trigger an audit. Honestly, no, So what are 576 00:45:08.400 --> 00:45:12.920 he's saying, Steve of Steve, Now Steve, not mister Hickock's but Steve 577 00:45:12.960 --> 00:45:17.840 the consumer. What I hear Hitcock saying is hey, you can go for 578 00:45:17.920 --> 00:45:21.800 it. What the hell I mean? If it's challenged, then you pay 579 00:45:21.800 --> 00:45:27.639 the tax and you pay the that's interest it's not like you're trying to cheat 580 00:45:27.679 --> 00:45:32.079 anyone. And Steve, I'll bet you your original purpose for buying a house 581 00:45:32.320 --> 00:45:37.880 was, hey, we can get an investment property. It's going to grow 582 00:45:37.920 --> 00:45:40.239 in value, and then while we're keeping it, our son can live in 583 00:45:40.280 --> 00:45:45.400 it. Wasn't that really your primary goal? Absolutely? Yeah, I mean, 584 00:45:45.920 --> 00:45:51.840 you know, I don't think that's a hard argument to make. But 585 00:45:51.960 --> 00:45:59.280 you remember, now that house will be considered depreciated by twelve years or however 586 00:45:59.280 --> 00:46:02.599 many years, thirteen, fourteen, whatever, it's going to be considered depreciated. 587 00:46:02.599 --> 00:46:09.360 Do you understand that? Yeah? I understand. So how much is 588 00:46:09.440 --> 00:46:15.239 the house? How much did you buy the house for? I think one 589 00:46:15.320 --> 00:46:21.519 hundred and ten thousand or something like that. Okay, so what is your 590 00:46:21.559 --> 00:46:30.920 house worth now? Probably four hundred maybe four five? So now you understand 591 00:46:30.000 --> 00:46:35.400 you're not going to downsize here, right right? I understand that. So 592 00:46:35.480 --> 00:46:40.400 you're going to have approximately three hundred thousand or more in gain to defer just 593 00:46:40.480 --> 00:46:46.360 my rough calculation, right, And how does that work? Then? Hitcocks, 594 00:46:46.440 --> 00:46:52.400 mister Hitcocks, how does that work? Well, I'm just doing the 595 00:46:52.480 --> 00:46:54.199 numbers in my head right now. Tom, And so if he held it 596 00:46:54.280 --> 00:46:58.440 for twelve years, and he paid one hundred and ten for it. I'm 597 00:46:58.440 --> 00:47:00.719 going to assign tens of the land and one hundred to the house. Yeah, 598 00:47:00.880 --> 00:47:07.480 meaning he started with a depreciable basis of one hundred thousand, and the 599 00:47:07.559 --> 00:47:12.159 depreciation on that is twenty seven and a half years. I'm just going to 600 00:47:12.280 --> 00:47:16.039 use twenty five and say that his depreciation should have been four thousand dollars a 601 00:47:16.119 --> 00:47:20.400 year times twelve years forty eight thousand. I know that was fast, but 602 00:47:20.880 --> 00:47:22.800 yeah, and so it's right what I said. His gain is going to 603 00:47:22.840 --> 00:47:27.840 be right around what I said, probably right, just roughly plus another forty 604 00:47:27.880 --> 00:47:32.360 eight thousand the recapture recapture, okay that year, You're right, you got 605 00:47:32.400 --> 00:47:37.280 to recapture, right, okay? Okay. So in other words, have 606 00:47:37.400 --> 00:47:44.199 you identified any houses Steve in the new County? Yes? How much? 607 00:47:44.239 --> 00:47:52.239 Are they? Right around? Four hundred? Okay? So you if you 608 00:47:52.320 --> 00:47:55.000 transfer the gain into the new house, you then understand the new house's game 609 00:47:55.079 --> 00:48:02.159 goes bases his way down right, right. So this sounds doable, right, 610 00:48:02.239 --> 00:48:07.800 mister Hitcox. I would say it's doable. And there's another thing that 611 00:48:07.920 --> 00:48:14.119 helps here. That is when you report a ten thirty one exchange on your 612 00:48:14.159 --> 00:48:19.800 tax return, you show how much gain you're deferring. That's part of the 613 00:48:19.880 --> 00:48:22.440 report, is how much gain am I not paying tax on? Right? 614 00:48:22.599 --> 00:48:30.960 And if he plugs in the reduced basis and takes the depreciation in essence on 615 00:48:31.039 --> 00:48:38.039 the reporting form to report the exchange, that will enhance his claim that this 616 00:48:38.199 --> 00:48:44.960 is held for investment when he actually reports the exchange. Okay, Now on, 617 00:48:45.000 --> 00:48:47.440 mister Hitcox, do you have an office in Denver? Yeah, it's 618 00:48:47.480 --> 00:48:51.760 on East Hampton. Okay, Steve, let me give you his number. 619 00:48:51.880 --> 00:48:54.519 I mean, these guys are good man. We had on the show before. 620 00:48:55.400 --> 00:49:01.519 It's the website is ten thirty one x dot com. Yeah, and 621 00:49:01.599 --> 00:49:06.440 here's his number. You're ready to take it down? Steve h eight eight 622 00:49:06.440 --> 00:49:15.519 eight eight nine to nine ten thirty one. Isn't that nice? Eight eight 623 00:49:15.519 --> 00:49:19.920 eight eight nine ten thirty one? Steve? You know what Katschina? Would 624 00:49:19.920 --> 00:49:22.920 you make sure? Let's let's get him on the show one day. Okay, 625 00:49:23.800 --> 00:49:28.280 let's do that. That would be Are you if you're around, I 626 00:49:28.280 --> 00:49:30.679 would love to have you on the show one day. That would be cool. 627 00:49:30.320 --> 00:49:36.159 Just come in and talk about exchanges. Now, do you do more 628 00:49:36.199 --> 00:49:40.599 than just real estate? Exchanges, well, after Donald Trump changed the tax 629 00:49:40.719 --> 00:49:45.519 law. I mean I'm giving a Dowitch credit there perhaps or or blame. 630 00:49:45.800 --> 00:49:50.599 Yeah, it used to be that other tangible personal property who was exchangeable. 631 00:49:51.119 --> 00:49:54.519 But after the tax co changes under that happened under Donald Trump, the only 632 00:49:54.599 --> 00:49:59.840 thing that is now exchangeable ten thirty one exchangeable is real estate. Oh okay, 633 00:50:00.159 --> 00:50:04.559 okay, well that takes the fun out of it. Okay, but 634 00:50:05.159 --> 00:50:09.320 okay, so really, then when you dispose of business property, like I'm 635 00:50:09.360 --> 00:50:14.320 not saying that everyone's going to worry about this, but a jet or a 636 00:50:14.400 --> 00:50:17.840 yacht, you're going to pay on that. You can buy another one that 637 00:50:17.880 --> 00:50:21.159 will off set some of it, but I mean you're going to pay on 638 00:50:21.239 --> 00:50:25.679 it. That's right. We used to do airplane exchanges. We did fishing 639 00:50:25.760 --> 00:50:30.400 trawlers, we did classic cars, we did all sorts of other exchanges before 640 00:50:31.159 --> 00:50:35.960 the tax code changed about five years ago. But now it's just real estate, 641 00:50:36.000 --> 00:50:39.159 which has always been the dominant part of our business. Thank you very 642 00:50:39.239 --> 00:50:46.039 much, and we got more coming up. I'm Tom Martineo. Go with 643 00:50:46.119 --> 00:50:51.280 a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a 644 00:50:51.360 --> 00:50:58.559 cent until you're content, time for an insurance check up free, no obligation. 645 00:50:58.599 --> 00:51:02.000 In comparison, call comp Us Insurance paying too much your coverage at dozens 646 00:51:02.000 --> 00:51:06.679 of insurance companies find out now three all three seven to seven to one help. 647 00:51:06.840 --> 00:51:09.440 You'll think you're his only customer when you choose Frank durand the real estate 648 00:51:09.480 --> 00:51:14.880 man dot com to list your home with Remax Alliance three all three nine two 649 00:51:14.960 --> 00:51:22.400 zero sixteen twenty two. Hi Tom Martino here three O three seven to one 650 00:51:22.480 --> 00:51:27.960 three talk Compass Insurance Group. We'll do free insurance checkups three oh three nine 651 00:51:28.039 --> 00:51:31.639 nine six nine thousand. That means if you're wondering if you're over insured, 652 00:51:31.719 --> 00:51:36.920 under insured, not paying or paying too much, you gotta call them, 653 00:51:37.079 --> 00:51:39.800 especially now with where insurance is three oh three nine nine six nine thousand. 654 00:51:42.079 --> 00:51:45.280 All right, So, uh, we have K and H here, and 655 00:51:45.280 --> 00:51:52.039 I wanted to ask about Alpin windows. So Michael's with us from K and 656 00:51:52.199 --> 00:51:57.559 H Home Solutions, And I say K and H Michael Bernstein is the oldest 657 00:51:57.599 --> 00:52:00.719 home improvement company in Colorado. Because I can't think of many or sixty five 658 00:52:00.800 --> 00:52:05.119 years, sixty eight years, now, sixty eight years, Holy crap. 659 00:52:05.599 --> 00:52:08.760 Now when I moved here. Henry Zeligeman was just getting out of the business. 660 00:52:08.800 --> 00:52:14.920 He started it, and Kay and H stood for Henry and his wife 661 00:52:15.000 --> 00:52:20.039 Katina. Yes, Katina and Henry k and H and then Ted bought the 662 00:52:20.079 --> 00:52:25.360 place and then Ted sold to Lee. All good people kept the heritage and 663 00:52:25.440 --> 00:52:31.559 the same company going. In fact improved the company. So I like Alpin 664 00:52:31.639 --> 00:52:38.039 windows for those listening it. They're made here in Colorado and they've been made 665 00:52:38.119 --> 00:52:43.519 here since eighty one musing nineteen eighty one. Alpin was found right after I 666 00:52:43.519 --> 00:52:46.840 went to coloradois Colorado, right before right after I got to Colorado, right 667 00:52:47.119 --> 00:52:52.480 and so Lewisville, Colorado, and they started making the insulated glass units and 668 00:52:52.480 --> 00:52:57.719 then the industrial stuff and then residential for a last twenty No, they've been 669 00:52:57.719 --> 00:53:02.320 doing new builds, so residential new for about twenty years and then retrofitting or 670 00:53:02.400 --> 00:53:06.559 replacement windows. You guys picked up on that, correct. Yeah, we're 671 00:53:06.559 --> 00:53:08.320 the only company working with them right now. And you know we'll do it 672 00:53:08.360 --> 00:53:13.199 with nailing fins or without nailing fins, So retrofit is normally what we do. 673 00:53:13.639 --> 00:53:15.960 But if we're going to replace the siding as well, then we'll put 674 00:53:15.960 --> 00:53:20.199 the nailing fin in there as well. But yeah, the only company they're 675 00:53:20.199 --> 00:53:22.039 working with as far as residential is concerned. When you don't have a nailing 676 00:53:22.039 --> 00:53:28.039 fin, are they nailed through the frame? Yes? Correct, yep. 677 00:53:28.639 --> 00:53:31.760 And they're fiberglass. They have two different lines. The main line that we 678 00:53:31.800 --> 00:53:37.199 work with is called their Zenith and that is an all fiberglass window and it's 679 00:53:37.280 --> 00:53:42.920 insulated. It is insulated, yes, And they their glass technology is really 680 00:53:42.960 --> 00:53:45.920 what is second to none. They have triple pain and even up to quad 681 00:53:45.000 --> 00:53:51.880 pain glass for homes for homes. Correct, Holy crap? Really, now 682 00:53:52.719 --> 00:53:55.320 the frames? How is fiber You said they have a couple of lines. 683 00:53:55.960 --> 00:54:01.400 What's the other one? The other one is called a tyrol and it is 684 00:54:01.599 --> 00:54:07.079 a European style window that swings in rather than swinging out. See. I 685 00:54:07.079 --> 00:54:09.280 think that's cool. I think that's a cool idea. By the way, 686 00:54:09.800 --> 00:54:15.760 And is that vinyl or fiberglass. It's a vinyl window that's reinforced with fiberglass, 687 00:54:15.760 --> 00:54:20.920 so it has a fiberglass reinforcement on the inside. Why so fiberglass? 688 00:54:20.960 --> 00:54:23.000 Tell me about it? I mean, I know about vinyl and if it's 689 00:54:23.039 --> 00:54:29.159 extruded properly done right, it's good. But what about fiberglass. Is that 690 00:54:29.199 --> 00:54:31.519 even stronger? What is fiberglass all about when it comes to windows. Are 691 00:54:31.519 --> 00:54:37.599 we talking real fiberglass? Are we talking about composite which is better than fiberglass. 692 00:54:37.639 --> 00:54:39.719 No, it's one hundred percent fiberglass, so no plastics in there at 693 00:54:39.719 --> 00:54:45.480 all. Okay, it is four to five times stronger than vinyl. Really, 694 00:54:46.079 --> 00:54:50.599 what about the tendency? They're not that there is a tendency, like 695 00:54:50.599 --> 00:54:54.559 I said, if it's done properly, but warping or or or peeling or 696 00:54:54.639 --> 00:54:59.719 chalking or anything. That's the huge advantage of fiberglass. Fiberglass is what they 697 00:54:59.760 --> 00:55:04.480 call inert, and it basically doesn't accept heat and cold and it will not 698 00:55:04.639 --> 00:55:07.679 warp, so it just won't absorb heat, it won't reflect heat, it 699 00:55:07.679 --> 00:55:10.880 won't do anything. It just sits there. Correct, it's a forever window. 700 00:55:10.920 --> 00:55:14.559 You put that in and that is it. You're done for the light. 701 00:55:14.679 --> 00:55:16.480 Now, how does it hold it finish? Does it come pre finished 702 00:55:16.599 --> 00:55:22.320 or do you painted? It's a painted product. All fiberglass, even if 703 00:55:22.320 --> 00:55:27.760 it's a white window is painted. Okay, so that's fiberglass. But as 704 00:55:27.800 --> 00:55:34.440 far as vinyl are there, pre vinyl is pre colored, right, Yeah, 705 00:55:34.880 --> 00:55:37.559 vinyl comes extruded and in a kite or tan. Okay, if you 706 00:55:37.599 --> 00:55:42.599 want a black exterior, which is very popular these days, the exterior would 707 00:55:42.639 --> 00:55:45.280 be painted on a vinyl window. Black exterior in Colorado is insane in my 708 00:55:45.360 --> 00:55:50.960 opinion, it's totally absolutely insane. It won't be black in ten years. 709 00:55:50.960 --> 00:55:53.400 No, well, yeah, and it's gonna do well. How does fiberglass, 710 00:55:53.840 --> 00:55:59.639 So fiberglass get in any color fiberglass you can get you paint twelve different 711 00:55:59.639 --> 00:56:02.119 callus. It comes prepainted from the Alpin factory. Okay, so that's cool, 712 00:56:02.280 --> 00:56:08.239 that's really cool. So can you get black fiberglass window? You can 713 00:56:08.239 --> 00:56:13.159 get black, bronze, white, red, green, really tan, different 714 00:56:13.280 --> 00:56:16.079 color tans. I would say the most what most people are doing is either 715 00:56:16.119 --> 00:56:21.119 an all white window or a white window with bronze or black exterior. So 716 00:56:21.239 --> 00:56:23.880 you can get windows with I was going to just ask that you can get 717 00:56:23.920 --> 00:56:28.679 a window with a different color on the inside than on the outside. Correct. 718 00:56:28.800 --> 00:56:31.960 Both with the Provia vinyl windows that we carry and with the Alpen fiberglass, 719 00:56:32.000 --> 00:56:36.199 you can do a two tone, so you're still doing pro Via correct. 720 00:56:36.320 --> 00:56:42.719 So the main lines you have Alpin and Prova correct cool. H josh 721 00:56:42.800 --> 00:56:45.920 I didn't mean to ignore you there, Josh. You called and I asked 722 00:56:45.960 --> 00:56:50.400 you to call back, and I said, yeah, call the damn city 723 00:56:50.440 --> 00:56:53.719 and ask them what they're doing in that adjacent lot that you smell burning, 724 00:56:53.800 --> 00:56:59.519 and they're burning bags that look like evidence bags. What city is this? 725 00:57:00.920 --> 00:57:05.440 Wheat Ridge? Now, hold on, this is a tease. We're gonna 726 00:57:05.480 --> 00:57:07.440 come right back to him to find out what the hell they told them and 727 00:57:07.519 --> 00:57:15.280 see if we can help. Go with a sure thing Denver's Best roofer Excel 728 00:57:15.400 --> 00:57:22.079 Roofing dot com. You don't pay a cent until you're content, wait time 729 00:57:22.119 --> 00:57:25.960 for an insurance check up free, no obligation. In comparison, call Compass 730 00:57:27.000 --> 00:57:30.679 Insurance paying too much your coverage at dozens of insurance companies find out now three 731 00:57:30.719 --> 00:57:35.559 oh three seven seven to one help. You'll think you're his only customer when 732 00:57:35.599 --> 00:57:38.320 you choose Frank durand the real estate Man dot com to list your home with 733 00:57:38.440 --> 00:57:46.320 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino 734 00:57:46.400 --> 00:57:51.719 here, three oh three seven one three talk three oh three seven one three 735 00:57:51.760 --> 00:57:57.039 eight two five five renew home Innovations. You want to talk about the best 736 00:57:57.440 --> 00:58:02.679 shower. You want to talk about renew Home Innovations tubbed shower conversions, lifetime 737 00:58:02.719 --> 00:58:06.079 warranties on some of the finishes. I'm going to tell you they do it 738 00:58:06.119 --> 00:58:07.960 in two or three days, seventy two months to pay no interest. Give 739 00:58:08.000 --> 00:58:12.840 them a call three h three nine zero four two thousand, or go to 740 00:58:12.920 --> 00:58:17.719 renew home Innovations dot com. They do them custom and they take out that 741 00:58:17.840 --> 00:58:24.719 old ugly shub. That's the shower tub Coombo, that's renew Home Innovations dot 742 00:58:24.719 --> 00:58:31.440 com. So Josh he sees these guys burning in the lot next to his 743 00:58:31.519 --> 00:58:36.920 house in Wheatridge. He says, it stings. It looks like they're burning 744 00:58:36.960 --> 00:58:38.719 evidence bags. What the hell are they doing? I said, call and 745 00:58:38.760 --> 00:58:43.159 ask Just call and ask him. I mean, wheat Ridge isn't a terrible 746 00:58:43.199 --> 00:58:46.679 city. Maybe you'll get some answers. Did you get any answers? Hey, 747 00:58:46.760 --> 00:58:51.800 Tom? Yeah. After calling thirteen different phone numbers, I finally found 748 00:58:51.800 --> 00:58:57.280 someone that actually answered and they informed me that it was a police department drug 749 00:58:57.360 --> 00:59:00.519 burn that they were doing right there behind our house. Wait, come on, 750 00:59:01.039 --> 00:59:07.079 they're burning drugs yep. And so actually during the break I was going 751 00:59:07.079 --> 00:59:09.280 through and just trying to see if I could find any articles talking about drug 752 00:59:09.320 --> 00:59:13.440 burning some of the hazards with it. I found a what kind of drugs? 753 00:59:13.440 --> 00:59:15.239 I mean, is it crack? What is it? Yeah? I 754 00:59:15.280 --> 00:59:17.360 don't know. They didn't tell me. He just said it was a drug 755 00:59:17.400 --> 00:59:20.719 burn. But I did find like I was saying, well, at least 756 00:59:20.760 --> 00:59:25.239 they're honest about it. Article. Yeah. Yeah. In that fourteen ap 757 00:59:25.480 --> 00:59:32.280 article they mentioned that there's actually I believe the EPA has regulations around pharmaceutical companies 758 00:59:32.320 --> 00:59:37.079 burning I don't know, leftover expired products, But it doesn't look like those 759 00:59:37.119 --> 00:59:44.320 same regulations apply to police departments. But wait a minute, aren't some of 760 00:59:44.360 --> 00:59:50.239 these drugs ingested by putting them on foil and burning them? So that's my 761 00:59:50.360 --> 00:59:53.639 point exactly. So you either get sick or a free high. I mean, 762 00:59:53.960 --> 01:00:00.559 this is crazy stuff. Yeah, And what even blows mind more is 763 01:00:00.559 --> 01:00:04.559 that the three it looked like it was one city employee and possibly two contractors 764 01:00:04.559 --> 01:00:08.159 that were doing it, and none of them were wearing respirators and they were 765 01:00:08.159 --> 01:00:12.440 standing right next to the thing, which really blows my mind. Maybe it 766 01:00:12.480 --> 01:00:16.320 was intentional. Did they call friends over, did they have music praying? 767 01:00:16.400 --> 01:00:20.559 I mean, you know, this whole thing could be already going on go 768 01:00:21.119 --> 01:00:25.360 Lee. You know right now there are a lot of tweakers wondering where that 769 01:00:25.559 --> 01:00:30.039 is because they want to go out there and park their car, but we 770 01:00:30.119 --> 01:00:34.920 won't tell them. This is crazy, seriously, I mean, there must 771 01:00:34.960 --> 01:00:38.360 be there must be some kind of regulations on Did you ask if there are 772 01:00:38.400 --> 01:00:44.960 any concerns? No, but I am going to be going through and trying 773 01:00:45.000 --> 01:00:47.679 to find who's in charge of the evidence at the police department, and I'll 774 01:00:47.679 --> 01:00:52.360 be sending them an emails as well as the city council bringing up some concerns 775 01:00:52.360 --> 01:00:57.280 about the fact that they're burning drugs out in the open right here next to 776 01:00:57.320 --> 01:00:59.760 my house. You know, I got three kids under the age of ten 777 01:01:00.239 --> 01:01:04.280 that are on summer breaking out, they playing, and it's not okay to 778 01:01:04.320 --> 01:01:07.760 be having the city burning drugs, you know, less than one hundred yards 779 01:01:07.800 --> 01:01:12.800 away from them. How about this. You ought to do a pamphlet, 780 01:01:12.840 --> 01:01:15.840 a one page flyer and give it to your neighbors. I'm serious, because 781 01:01:15.880 --> 01:01:21.480 you have some facts you just found out. Did you know this lot is 782 01:01:21.559 --> 01:01:29.079 burning drugs? I mean, I mean, are you concerned? If so, 783 01:01:29.320 --> 01:01:31.760 call me or something. And now you may want to do I would 784 01:01:31.800 --> 01:01:37.400 if it was my neighborhood. How many homes are around that lot? There's 785 01:01:37.559 --> 01:01:44.840 at least I believe at least three duplexes, so six total households that back 786 01:01:44.920 --> 01:01:47.679 up directly to the lot. Like, is this like a green belt a 787 01:01:47.719 --> 01:01:52.480 big area that the city owns or is it just a residential lot? What 788 01:01:52.679 --> 01:01:55.599 is it? No, it's it's it's the city lotty. I mean they 789 01:01:55.639 --> 01:02:00.519 have they have a big old barn for their sandpire or their salt. Can 790 01:02:00.559 --> 01:02:02.400 you get some pictures of this for me? I want to make some hay 791 01:02:02.400 --> 01:02:07.280 on this. Oh yeah, yeah, Okay, you help at troubleshooter right, 792 01:02:07.599 --> 01:02:14.159 help at our email. Help at troubleshooter dot com and send me any 793 01:02:14.239 --> 01:02:16.800 picks or video anything you can get on this. I'm serious. I can't 794 01:02:16.840 --> 01:02:21.239 believe. And when you email me, give me the address. I won't 795 01:02:21.239 --> 01:02:23.440 make it public right now, but just give it to me so I have 796 01:02:23.480 --> 01:02:30.400 it. That's crazy, Okay, thanks for letting us know this, Josh. 797 01:02:30.519 --> 01:02:34.559 So I'm going to wait to hear from you, okay. And he's 798 01:02:34.559 --> 01:02:39.000 going to take some video and stuff, and then I suggest he mobilized neighbors. 799 01:02:39.599 --> 01:02:45.239 It would upset me if they were burning drugs. I mean it seems 800 01:02:45.280 --> 01:02:47.360 to me that's not a good way to get rid of them. But well, 801 01:02:47.360 --> 01:02:52.679 maybe it is in maybe some kind of a controlled incinerator somewhere where it's 802 01:02:52.679 --> 01:02:57.559 not out in a lot where they pull a fifty gallon barrel out and throw 803 01:02:57.639 --> 01:03:00.880 drugs in it. I mean, come on, you know, kitchena. 804 01:03:00.960 --> 01:03:05.440 We should call Wheatbridge, ask him what number he called. I think we 805 01:03:05.480 --> 01:03:08.239 should follow We should have somebody also follow this up. This is BS. 806 01:03:09.000 --> 01:03:13.519 I want someone to follow up, find out the one number he finally got 807 01:03:13.519 --> 01:03:15.599 through to. I would guess they know what they're doing. Yeah, he's 808 01:03:15.639 --> 01:03:20.960 sending me his pictures and his contact information and everything that he has, So 809 01:03:21.039 --> 01:03:23.119 we should do you think they know what they're doing? Come on, really, 810 01:03:23.440 --> 01:03:25.440 yeah, of course, come on, what do you think they're out 811 01:03:25.440 --> 01:03:30.320 there burning meth? Who knows? It's probably some weed man and maybe they've 812 01:03:30.320 --> 01:03:36.719 got a Maybe it goes through so maybe it goes through something that gets uh. 813 01:03:36.840 --> 01:03:39.880 I don't know a filtration process. He said, it's a fifty gallon 814 01:03:39.960 --> 01:03:45.159 barrel. That could be a really good barrel. I don't know, golly, 815 01:03:46.800 --> 01:03:50.840 I mean, it's just how do you burn your stash? I don't 816 01:03:51.400 --> 01:03:55.039 use it all. I use it all. I don't have any leftovers. 817 01:03:55.079 --> 01:04:00.920 And here's the deal man. What I'm wondering what kind of drugs? It's 818 01:04:00.960 --> 01:04:06.760 a drug burn But what kind I mean? I'm I don't know. And 819 01:04:09.039 --> 01:04:13.880 how much do you think of that evidence goes missing? Now and then from 820 01:04:13.960 --> 01:04:17.360 the time they take it from the evidence room to the fire. You know 821 01:04:17.519 --> 01:04:20.440 this, think about all that stuff. I can make you crazy thinking about 822 01:04:20.440 --> 01:04:29.920 this kind of stuff. Go with a sure thing Denver's Best roofer Excel Roofing 823 01:04:30.039 --> 01:04:35.559 dot com. You don't pay a cent until you're content. Time for an 824 01:04:35.559 --> 01:04:42.400 insurance check up free no obligation comparison call Compass Insurance paying too much your coverage 825 01:04:42.400 --> 01:04:45.079 at dozens of insurance companies find out now three O three seven to seven to 826 01:04:45.119 --> 01:04:48.840 one help. You'll think you're his only customer when you choose Frank durand the 827 01:04:48.920 --> 01:04:54.719 real estate Man dot com to list your home with Remax Alliance three three nine 828 01:04:54.719 --> 01:05:02.400 two zero sixteen twenty two three oh three seven one three eight two five five. 829 01:05:02.559 --> 01:05:05.840 You know that three oh three Martino, say with me that number works 830 01:05:05.880 --> 01:05:10.599 on and off the air. If you ever have a problem, we definitely 831 01:05:10.599 --> 01:05:13.000 want to hear from you. I want to talk to my guests real quick. 832 01:05:13.360 --> 01:05:17.599 Which one of these young men was saying they like Nikes because of the 833 01:05:17.719 --> 01:05:24.760 quality of the Nike tennisue? Who was it? What's your name? Do? 834 01:05:24.840 --> 01:05:28.360 I have no one paying attention? I'm here, shut up. I 835 01:05:28.440 --> 01:05:30.039 want to know which one of them likes Nikes? Who was that? I 836 01:05:30.079 --> 01:05:33.400 heard that at the beginning of the show before I was on. Oh yeah, 837 01:05:33.440 --> 01:05:36.920 yeah, we were talking about brand loyalty or brands and uh yeah, 838 01:05:38.119 --> 01:05:42.079 cheap Chinese labor Nikes. That's what it equals. In fact, I think 839 01:05:42.119 --> 01:05:45.119 that's what it spells somehow, so I totally disagree with you. You know. 840 01:05:45.239 --> 01:05:47.840 You know what's funny is Nike's an American company, right, you know 841 01:05:47.920 --> 01:05:51.599 that, right? Yeah? But most of them are made in China probably, 842 01:05:53.679 --> 01:05:57.400 just like uh, almost everything, Yeah, like your iPhone that you're 843 01:05:57.440 --> 01:06:00.840 so proud of. He's staring at me so good. Mark once told me 844 01:06:00.880 --> 01:06:04.719 a story, and it's very true. If it's about Apple and all the 845 01:06:04.760 --> 01:06:10.039 people that have died, he's committing suicide building them in China. They put 846 01:06:10.079 --> 01:06:14.320 special nets outside or something to catch people or commit called fire. It's the 847 01:06:14.519 --> 01:06:18.800 I think it's called Foxcom and it's the manufacturing plant for Apple in China, 848 01:06:19.119 --> 01:06:25.920 and they set up nets because people were literally throwing themselves to their death just 849 01:06:26.000 --> 01:06:30.840 to quit making iPhones that you, Martino use, Well, you use an 850 01:06:30.840 --> 01:06:33.239 iPhone, I mean you use a smartphone. Well where I think your phone's 851 01:06:33.239 --> 01:06:41.199 made? Korea? Okay, Yeah, that's a bastion of wonderful life. 852 01:06:41.320 --> 01:06:47.039 It's the good Korea. Listen, do you know that seventy two percent of 853 01:06:47.119 --> 01:06:54.239 all US adults say they don't give a rip about a company's commitment to diversity, 854 01:06:54.360 --> 01:06:59.239 inclusion and the environment. I don't. If I'm a stockholder and something, 855 01:06:59.280 --> 01:07:01.920 I care about one thing and one thing owned that's right making it's getting 856 01:07:01.920 --> 01:07:06.480 paid. I care about making money and product good products. Now, obviously 857 01:07:06.880 --> 01:07:11.239 I'm not going to do a company that, let's say, like you know, 858 01:07:11.400 --> 01:07:15.320 truly are violating human rights or stuff like that. I'm not, you 859 01:07:15.360 --> 01:07:18.119 know, or or exploiting children. But how do you argue that with anything? 860 01:07:18.199 --> 01:07:21.800 Anything made in China? Pretty much is they don't have a minimum wage 861 01:07:21.920 --> 01:07:26.440 like we do. They have they have entire groups of people over there that 862 01:07:26.480 --> 01:07:30.320 are forced to work prison labor camps. I mean, so basically anything, 863 01:07:30.400 --> 01:07:33.440 I guess, Mark, if I really knew, seriously, if I really 864 01:07:33.519 --> 01:07:38.199 knew a company was doing stuff like that, I wouldn't buy their products when 865 01:07:38.239 --> 01:07:41.239 it comes to that kind of stuff. But regular stuff like this, this 866 01:07:41.320 --> 01:07:44.440 woke stuff, I don't really care that much about it. I mean, 867 01:07:44.519 --> 01:07:49.199 I think that people who highlight the woke stuff and I hate even using that 868 01:07:49.239 --> 01:07:56.440 word because it's so incindiary. I rather just but but what I mean by 869 01:07:56.480 --> 01:07:59.800 that is that word's been bastardized. That's what you're trying to say. Yeah, 870 01:07:59.800 --> 01:08:04.320 and they try to. I think that they try to highlight our differences, 871 01:08:05.480 --> 01:08:11.320 and it's it's such a terrible thing to keep talking about that. I 872 01:08:11.360 --> 01:08:14.719 mean what, I don't even know what does inclusion really mean? I mean, 873 01:08:15.000 --> 01:08:17.279 are people really excluded nowadays? Maybe they are. Maybe I don't know 874 01:08:17.319 --> 01:08:24.119 what I'm talking about. But anyway, here's the the seventy two percent don't 875 01:08:24.159 --> 01:08:29.119 care. The one the people who care the most, they're still only forty 876 01:08:29.159 --> 01:08:33.359 five percent are the gen Z adults and gen Z goes up to what age 877 01:08:33.399 --> 01:08:36.199 twenty six? Is it or no? No way, I'm wrong on that, 878 01:08:36.399 --> 01:08:41.039 or it might be I don't know. Anyway, gen Z I had 879 01:08:41.119 --> 01:08:43.520 I had a whole chart here, and what do they care about? I 880 01:08:43.600 --> 01:08:48.239 free way onto if the corporation. This is not for investing, by the 881 01:08:48.239 --> 01:08:53.000 way, in the corporation, this is buying products. If do they care 882 01:08:53.039 --> 01:09:00.840 about equity, inclusion and climate change, activism and politics? Uh, forty 883 01:09:00.920 --> 01:09:05.439 five percent of gen z says they do care. Forty five. That's the 884 01:09:05.479 --> 01:09:12.000 biggest chunk of a population that cares. Next to that are black adults they 885 01:09:12.079 --> 01:09:15.880 care. That's forty seven or forty three percent. We got more coming up 886 01:09:15.880 --> 01:09:19.479 on the Troubleshooter Show three oh three seven one three eight two five five. 887 01:09:24.640 --> 01:09:28.920 Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 888 01:09:28.960 --> 01:09:36.239 pay a cent until you're contenth time for an insurance checkup free no obligation comparison 889 01:09:36.359 --> 01:09:42.439 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 890 01:09:42.479 --> 01:09:45.560 now three oh three seven to seven to one help. You'll think you're his 891 01:09:45.720 --> 01:09:48.720 only customer when you choose Frank durand the real estate Man dot com to list 892 01:09:48.760 --> 01:10:00.520 your home with Remax Alliance three oh three nine two zero sixteen twenty two dum 893 01:10:01.159 --> 01:10:11.640 News need advice so you don't have camarun Just as fast as you can shooter's 894 01:10:11.760 --> 01:10:17.800 gonna help coming. Man Dix is the trouble Shooter show. No Tom Martino, 895 01:10:19.239 --> 01:10:23.840 Hi Tom Martino, You're a troubleshooter. Three oh three seven one three 896 01:10:23.960 --> 01:10:27.840 talk seven one three eight two five five. We've had full lines all morning, 897 01:10:28.359 --> 01:10:30.960 and right now we have lines open if you want to call in three 898 01:10:30.039 --> 01:10:32.680 oh three seven to one three talk, or you can call three oh three 899 01:10:32.720 --> 01:10:39.159 Martino three oh three six two seven eight four six six. K and H 900 01:10:39.239 --> 01:10:43.800 Home Solutions with us today we're talking about Oupen windows made right here in Colorado, 901 01:10:43.920 --> 01:10:46.640 some of the cool things about that. And then I just want to 902 01:10:46.680 --> 01:10:49.600 say something, Michael. I don't want to be controversial about this with KINH 903 01:10:49.680 --> 01:10:54.479 Home Solutions. I don't want to be controversial, but I don't like siding 904 01:10:54.560 --> 01:10:58.680 at all. I'm just I don't like siding. I know there's some siding 905 01:10:58.720 --> 01:11:01.800 better than others, but I'm very, very very disappointed insiding in general, 906 01:11:02.359 --> 01:11:09.319 because really and truly they're stucco is about his maintenance cree if you're gonna get 907 01:11:10.560 --> 01:11:14.680 I wish there was more maintenance free. Size is aluminum siding pretty maintenance free. 908 01:11:15.479 --> 01:11:17.960 No aluminum gets dented. You know, a stucco as well, stucco 909 01:11:17.960 --> 01:11:25.880 has issues with hail, not a lot woodpeckers. That's real stucco. Very 910 01:11:25.880 --> 01:11:29.520 seldom will have a woodpecker problem. It's the drive it stuff, the foam 911 01:11:29.600 --> 01:11:33.239 behind it, that the trim. You know it can. But real stucco 912 01:11:33.239 --> 01:11:38.560 with hard coat very seldom will have a problem. But I love stucco, 913 01:11:39.039 --> 01:11:42.840 I like I used to. I'm just gonna tell you I used to love 914 01:11:42.880 --> 01:11:47.239 Everlast. It's like it looks bulletproof. But they had some problems recently. 915 01:11:48.479 --> 01:11:51.760 The older stuff was better. I don't know what happened to them. They 916 01:11:51.760 --> 01:11:56.800 seem to have changed a bit, They changed something in their product. I 917 01:11:56.840 --> 01:12:01.199 know this year we did it. I know Hardies is definitely the best siding. 918 01:12:01.840 --> 01:12:05.439 It doesn't hardy, but they all have this surface problem that if you 919 01:12:05.560 --> 01:12:11.119 pierce the surface, you're gonna have problems. Right, Yeah, I just 920 01:12:11.159 --> 01:12:14.960 we just don't see the surface pierced with hardy. Okay, they're pretty hardy. 921 01:12:14.960 --> 01:12:16.399 Then it's what you're saying, Really it is pretty hard. What about 922 01:12:16.439 --> 01:12:23.520 vinyl coded steel, vinyl coated steel, you can get some really pretty finishes. 923 01:12:23.760 --> 01:12:26.840 Yeah, you know the problem with steel is it does rust. You 924 01:12:26.880 --> 01:12:30.479 do have hail damage with it. I mean vinyl gets destroyed and with hail 925 01:12:30.520 --> 01:12:33.439 damage, not just final I'm talking about vinyl coated steel, right, Yeah, 926 01:12:33.479 --> 01:12:35.960 I don't know. I mean it's better than your traditional vinyl for sure, 927 01:12:36.399 --> 01:12:41.319 and then the good old aluminum siding though you get some waves in that 928 01:12:41.439 --> 01:12:45.279 maybe. And do you guys even do that, We don't. We primarily 929 01:12:45.279 --> 01:12:48.359 work with James Hardy. It's a fiber cement, and I know everyone is 930 01:12:48.439 --> 01:12:51.920 in this climate in Colorado. It's it's as good as you're gonna get. 931 01:12:53.000 --> 01:12:56.399 You do paint that or as a compaint. It comes pre painted. You 932 01:12:56.439 --> 01:12:59.159 can also paint it yourself, but the majority of it comes pre But you're 933 01:12:59.199 --> 01:13:01.920 saying it holds up pretty well. Yeah, it's hail resistant, woodpecker proof, 934 01:13:04.039 --> 01:13:08.319 hail resistant. We've seen damage on it, of course, of course, 935 01:13:08.359 --> 01:13:11.199 I mean, you know, three hundred miles per hour chunk ice come 936 01:13:11.239 --> 01:13:15.439 in is going to damage anything. But yes, we've seen James Hardy withstand 937 01:13:15.520 --> 01:13:19.960 a lot of hailstorms out here. Listen, it's it's all what you uh 938 01:13:20.279 --> 01:13:27.079 in Colorado's pretty pretty hard on it on all exteriors. As far as Colorado 939 01:13:27.159 --> 01:13:30.760 has some harsh climate for sure, and as far as uh windows, though, 940 01:13:31.159 --> 01:13:36.039 we we do pretty good luck with with the pre painted vinyl, with 941 01:13:36.079 --> 01:13:42.399 the fiberglass, with uh with. I even think aluminum clad windows are good. 942 01:13:42.439 --> 01:13:46.119 They're they're a little expensive and they don't have the thermal quality that a 943 01:13:46.159 --> 01:13:53.920 lot of windows do. But in general, h when it comes to low 944 01:13:54.000 --> 01:13:57.000 maintenance, that's what people are looking for, right, isn't that what you 945 01:13:57.039 --> 01:14:00.319 guys are trying to specialize in low maintenance energy efficient? See, every product 946 01:14:00.319 --> 01:14:03.760 that we carry is low maintenance, and that's been really important to us. 947 01:14:04.239 --> 01:14:06.479 And high quality. You want it to last. You don't want to just 948 01:14:06.479 --> 01:14:10.399 put something in and then five ten years ago, five ten years later have 949 01:14:10.439 --> 01:14:13.520 to deal with it again. So low maintenance. Really, there's nothing out 950 01:14:13.560 --> 01:14:16.239 there that's no maintenance. People are lying to you if you tell there's zero 951 01:14:16.319 --> 01:14:19.520 mains. But low maintenance is really what we're looking for. In high quality. 952 01:14:19.800 --> 01:14:25.359 Yeah, load to almost none. Sometimes some stuff gets pretty So does 953 01:14:25.439 --> 01:14:30.039 James Hardy ever have to be repainted? So James Hardy is a thirty year 954 01:14:30.119 --> 01:14:33.439 warranty? Really? Really that long on the paint? No fifteen year finish? 955 01:14:33.680 --> 01:14:35.680 Okay, finish? Oh, so you have a fifteen year in the 956 01:14:35.720 --> 01:14:41.560 cop does it fade at all the darker colors. It does not chalk fading 957 01:14:41.640 --> 01:14:45.399 on some of the super dark colors over time. Yes, but you're not 958 01:14:45.439 --> 01:14:50.119 getting idiots that are doing there's no black siding, is there. There's people 959 01:14:50.119 --> 01:14:55.199 doing white siding with black trim, but typically no black siding. Yeah, 960 01:14:55.399 --> 01:14:59.039 dark graze. I've seen some black houses literally black sliding, and I don't 961 01:14:59.039 --> 01:15:00.479 know what kind it is, but i've seen it. I don't know if 962 01:15:00.479 --> 01:15:05.399 it's painted that way. It's like a flat black. And I call them 963 01:15:05.439 --> 01:15:10.079 the Twin Peaks. The houses they're all I mean, right now, everything's 964 01:15:10.079 --> 01:15:13.039 starting to look the same to me. I mean the newer houses, they're 965 01:15:13.079 --> 01:15:15.720 all boring as hell, harder. You will have to paint fifteen, twenty 966 01:15:15.760 --> 01:15:18.680 twenty five years down the road, depending on where your house is. That's 967 01:15:18.720 --> 01:15:23.159 the advantage of vinyl. Vinyl will you don't have to You never have to 968 01:15:23.199 --> 01:15:26.199 paint it. I mean, it'll fade over time if it's a dark color, 969 01:15:26.239 --> 01:15:30.000 but you never have to paint it. Three oh three seven one three 970 01:15:30.000 --> 01:15:33.199 talk seven one three eight two five five. And then when it comes to 971 01:15:33.520 --> 01:15:39.920 uh, really the exterior of a house in Colorado, if you have regular, 972 01:15:40.600 --> 01:15:44.479 a regular paint job, I mean, God, Steve the painter, 973 01:15:44.800 --> 01:15:48.760 you know, he does a great job at keeping things, keeping things painted 974 01:15:48.840 --> 01:15:54.399 and done well. But man, he'll tell you paint doesn't last in Colorado, 975 01:15:54.520 --> 01:15:59.079 not for a long time. And then I have a we have you 976 01:15:59.119 --> 01:16:01.439 know, wood trim or wood doors. Forget those front doors. If they're 977 01:16:01.600 --> 01:16:06.600 exposed to sun, I mean, they can just literally fall apart. Yeah, 978 01:16:06.600 --> 01:16:09.920 that's why we work with pro Via for our front doors. It's all 979 01:16:10.000 --> 01:16:15.760 steel twenty gage steel or fiberglass wood products in Colorado is a bad idea. 980 01:16:15.840 --> 01:16:18.840 Well, you got to keep them constantly sealed and maintained and sanded. And 981 01:16:19.159 --> 01:16:21.000 even if you do that, I know you're going to start to go. 982 01:16:21.079 --> 01:16:25.600 They're a pain in the ass, that's right. So what kind of finishes 983 01:16:25.640 --> 01:16:31.359 though, can you get on these doors? The fiberglass doors are typically is 984 01:16:31.359 --> 01:16:35.119 it a green like wood. It's got a wood green with a with a 985 01:16:35.159 --> 01:16:39.880 stain on it. And you have a fifteen year finish warranty on that as 986 01:16:39.880 --> 01:16:45.640 well. And the steel doors are typically painted with a ten year finish warm. 987 01:16:45.840 --> 01:16:48.399 The good part about it is they're they're insulated, yes, all insulated 988 01:16:48.439 --> 01:16:54.439 with polyurethane, which is solid that's solid foam. That's good stuff. Yeah, 989 01:16:54.439 --> 01:16:56.800 that's what you find in YETI coolers. That's why you can keep your 990 01:16:56.920 --> 01:17:00.359 cold soda air for three days. Yeah, all right. So three h 991 01:17:00.439 --> 01:17:03.520 three seven one three talk seven one three eight two five to five on these 992 01:17:03.600 --> 01:17:13.800 brands and what we call cooperative engagement in social issues. The biggest population to 993 01:17:13.920 --> 01:17:18.800 reject it baby boomers. They don't care. Eighty one percent of them don't 994 01:17:18.920 --> 01:17:24.079 care, not at all. So the rest, of course say they do 995 01:17:24.199 --> 01:17:29.600 care, but most of them do not purchase based on anything a corporation believes 996 01:17:29.720 --> 01:17:38.000 or does. The next one under that are Republicans. This is the Republicans. 997 01:17:38.119 --> 01:17:43.439 Seventy nine percent don't make any purchases based on that. And then next 998 01:17:43.439 --> 01:17:50.039 to that, gen xers in general and white adults are almost neck and neck 999 01:17:50.199 --> 01:17:57.720 not caring. They're in the high seventies or the mid seventies. Millennials sixty 1000 01:17:57.760 --> 01:18:01.920 six percent don't care. Thirty four percent due where it starts to get split, 1001 01:18:02.199 --> 01:18:09.159 are with gen zers. They care almost fifty to fifty almost it's a 1002 01:18:09.159 --> 01:18:15.079 little skewed toward not caring, but they do care, and that is remarkable 1003 01:18:15.079 --> 01:18:20.119 to me. Now, gen zers, by the way, are eleven to 1004 01:18:20.159 --> 01:18:25.560 twenty six years old. So that would include our guys here today from college 1005 01:18:25.600 --> 01:18:31.800 and doing internships. And then let's see who else. Then we have Hispanic 1006 01:18:31.840 --> 01:18:38.439 adults sixty two percent don't care. Black adults fifty seven percent don't care, 1007 01:18:38.560 --> 01:18:44.199 but forty three percent do. That's a big number. Then adults of all 1008 01:18:44.359 --> 01:18:49.359 other ethnicities sixty six percent don't care. So right now, if you look 1009 01:18:49.399 --> 01:18:56.199 at this chart, in general, most people don't care about the equity and 1010 01:18:56.279 --> 01:19:02.479 the inclusion and climate change commitments. Most people don't. Bob, Welcome to 1011 01:19:02.520 --> 01:19:06.279 the show. What's going on? Hey? Tom? How are you doing? 1012 01:19:06.319 --> 01:19:10.479 Good man? What's what can we do for you? Hey? I 1013 01:19:10.479 --> 01:19:12.960 had a question. First of all, I wanted to get the name of 1014 01:19:13.000 --> 01:19:17.640 the person that you always used to have him come out and do independent roof 1015 01:19:17.680 --> 01:19:21.840 inspections. I think, yeah, we mark used them now. Of course 1016 01:19:21.840 --> 01:19:26.119 we use a lot of times our roofers that we like, but you can 1017 01:19:26.199 --> 01:19:29.960 get a roof. I did call Excel. I called Excel to come out. 1018 01:19:30.439 --> 01:19:31.960 But I thought you had an independent person. Yeah, there we do. 1019 01:19:32.079 --> 01:19:35.239 He's not on the referral list, but we do have an inspector from 1020 01:19:35.239 --> 01:19:40.000 time to time, and his name. I don't have his name memorized, 1021 01:19:40.039 --> 01:19:43.880 what's the issue, why do you need one? Well, I'm starting to 1022 01:19:43.880 --> 01:19:47.000 get notices there now. I use Acuity, and I think you're familiar with 1023 01:19:47.039 --> 01:19:51.880 Acuity at least I use Brian at Compass, and I'm starting to get I 1024 01:19:51.920 --> 01:19:58.079 got my first notice here that as of the maturity of this policy of August 1025 01:19:58.199 --> 01:20:03.079 fifteenth, they we are deciding not to cover the roof because it has a 1026 01:20:03.159 --> 01:20:10.760 street tab shingle which is no longer eligible for our underwriting guidelines. So they're 1027 01:20:10.760 --> 01:20:15.439 really forcing me to go out and get inspections on these properties before the term, 1028 01:20:15.960 --> 01:20:18.880 you know, expires, and maybe they'll end up having to put a 1029 01:20:18.880 --> 01:20:23.720 new roof on it. I don't quite understand there. Well, no, 1030 01:20:23.720 --> 01:20:28.000 no, A bunch of roofers, excuse me, A bunch of insurance companies 1031 01:20:28.359 --> 01:20:33.720 have been reevaluating roofing coverage in general. Many of them are going to stop 1032 01:20:33.760 --> 01:20:41.239 covering roofs all together, period all together. Some are covering for very high 1033 01:20:41.319 --> 01:20:49.520 deductibles or ACV actual cash values, or they're doing a percentage of the environment 1034 01:20:49.760 --> 01:20:56.199 of the dwelling amounts of the dwellings worth. If the dwellings worth five hundred 1035 01:20:56.239 --> 01:21:00.920 thousand, they might do two percent deductible or three percent. So it's really 1036 01:21:00.960 --> 01:21:05.239 across the board, and some of them are specifying specific kinds of roofs, 1037 01:21:06.000 --> 01:21:12.479 and that's what it sounds like. That's what it sounds like. And it's 1038 01:21:12.479 --> 01:21:15.319 a way it's kind of detrimental to them because I'm going to go ahead and 1039 01:21:15.359 --> 01:21:20.720 have the property independently evaluate it, and they'll probably end up having to put 1040 01:21:20.760 --> 01:21:25.640 a roof on this property because I know there's been hayl you know this is 1041 01:21:25.680 --> 01:21:29.920 off of Smoky Hill, And well, why wouldn't you have done that? 1042 01:21:30.199 --> 01:21:32.199 Why wouldn't you have done that? Anyway? If you had hail damage? 1043 01:21:32.399 --> 01:21:35.840 How old is that hail damage? You can't you can't put an acclaim, 1044 01:21:35.960 --> 01:21:42.279 every bob, you can't put an acclaim for hail damage older than a year. 1045 01:21:44.119 --> 01:21:46.800 What I would do every problem. Listen, guys, here's what I 1046 01:21:46.920 --> 01:21:49.880 do. Call her, Here's what I do. You want to call up 1047 01:21:49.960 --> 01:21:56.359 Matt at Paragon Services. He can go back and find when hale hit there 1048 01:21:56.800 --> 01:22:00.880 and what date it hit there, and then argue with your insurance company if 1049 01:22:00.880 --> 01:22:05.680 it's even there, if the dates line up to actually get it covered right, 1050 01:22:05.760 --> 01:22:10.399 But if it's more than a year from the storm, you're not going 1051 01:22:10.479 --> 01:22:15.920 to be covered. So in other words, you basically should have every property. 1052 01:22:16.039 --> 01:22:19.840 I've got rental properties, I should have every one of them expected once 1053 01:22:19.880 --> 01:22:25.640 a year to make sure there's been no hail going through that particular area. 1054 01:22:26.239 --> 01:22:29.760 Well unless, I mean, normally you would know if there's a hailstorm you 1055 01:22:29.760 --> 01:22:31.760 hear about it. But I guess if you don't hear about it, it 1056 01:22:31.760 --> 01:22:35.640 wouldn't be a bad idea to have a roof inspection. But what I'm saying 1057 01:22:35.800 --> 01:22:42.319 is is that if you have hal just remember Bob, they're not going to 1058 01:22:42.399 --> 01:22:45.760 cover it. It's older than a year. And here's the other problem. 1059 01:22:45.000 --> 01:22:48.680 If you have multiple hail events, you're going to have a hell of a 1060 01:22:48.760 --> 01:22:54.159 tough time discriminating, and they may not cover it at all because what they're 1061 01:22:54.199 --> 01:23:00.439 going to argue is that the previous damage rendered it useless anyway. So what 1062 01:23:00.600 --> 01:23:05.479 was destroyed recently was a useless roof. So you're going to have a problem. 1063 01:23:06.840 --> 01:23:12.399 Well, I guess I'll have the roofer look at him and evaluate and 1064 01:23:12.439 --> 01:23:15.079 they should be able to take you. I think Matt, I think Matt 1065 01:23:15.119 --> 01:23:16.880 would be the one to go. I go with Mark on this one. 1066 01:23:17.640 --> 01:23:21.840 Matt at Paragon Services. He's not a roofer, but he knows a hell 1067 01:23:21.880 --> 01:23:29.640 of a lot about roofing and everything else because he does specifically insurance claims where 1068 01:23:29.800 --> 01:23:32.840 insurance companies are trying to screw people, and he takes a percentage of what 1069 01:23:32.880 --> 01:23:38.640 he collects. But here's the most important part. Here's the most important part. 1070 01:23:39.359 --> 01:23:43.920 He will let you know if he thinks you can even get it covered, 1071 01:23:44.159 --> 01:23:47.960 because if you have not had a hailstorm in the recent he'll look at 1072 01:23:48.000 --> 01:23:53.079 all his records and if you did not have a hailstorm within a year, 1073 01:23:53.119 --> 01:23:56.319 you're not going to be covered anyway. If you did have a hailstorm, 1074 01:23:56.520 --> 01:24:00.319 then he has to go to work trying to make the argument that it was 1075 01:24:00.359 --> 01:24:03.920 the most recent hailstorm that did the damage. And he'll do that by looking 1076 01:24:03.960 --> 01:24:10.079 at previous hailstorms and he might say, hey, there were no previous storms, 1077 01:24:10.199 --> 01:24:12.800 or yeah there was one, but it was ten years ago. I 1078 01:24:12.800 --> 01:24:15.479 mean, you let him handle that, and it's free of charge until you 1079 01:24:16.039 --> 01:24:20.680 hire him. Right, that's the person I was looking for the name, 1080 01:24:21.199 --> 01:24:25.399 So that's Matt at Pergun, that's who I Yes, that's what you want 1081 01:24:25.399 --> 01:24:30.479 to mark. Do you have that number? Handy I can give a concom 1082 01:24:30.720 --> 01:24:32.039 Okay, Kachina, we'll give it to you. Hold on and we'll get 1083 01:24:32.039 --> 01:24:41.880 you that number. Go with a sure thing Denver's Best roofer Excel Roofing dot 1084 01:24:41.920 --> 01:24:47.600 com. You don't pay a cent until you're content. Time for an insurance 1085 01:24:47.680 --> 01:24:51.920 check up free, no obligation. In comparison, call Compass insurance paying too 1086 01:24:53.000 --> 01:24:57.279 much your coverage at dozens of insurance companies find out now three O three seven 1087 01:24:57.279 --> 01:25:00.479 to seven to one. Help. You'll think you're his only custom when you 1088 01:25:00.600 --> 01:25:03.720 choose Frank durand the real estate Man dot com to list your home with Remax 1089 01:25:03.760 --> 01:25:12.880 Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here 1090 01:25:13.399 --> 01:25:18.359 Grossmanwellness dot com. I love that place and I go there. I go 1091 01:25:18.439 --> 01:25:23.079 there all the time. I mean, you know, it's a concier's medical 1092 01:25:23.119 --> 01:25:26.880 service. You pay a few hundred bucks a month. It includes your prescriptions, 1093 01:25:26.920 --> 01:25:30.920 your supplements, yeah, and your blood work every three months. It's 1094 01:25:30.000 --> 01:25:33.479 being very proactive about your health. For two forty nine. You can see 1095 01:25:33.479 --> 01:25:36.960 where you stand with them, get your blood work in a consultation, see 1096 01:25:38.000 --> 01:25:41.279 if you want to continue. There's no obligation. I mean, I really 1097 01:25:41.439 --> 01:25:45.079 urge you to do it, especially those getting up there in years or actually, 1098 01:25:45.359 --> 01:25:47.319 really that's not an accurate You should do it no matter what, because 1099 01:25:47.880 --> 01:25:53.960 you're never too young for great health three all three two three three forty two 1100 01:25:54.039 --> 01:26:02.359 forty seven Grossmanwellness dot Com. So let's talk. We got Acuity insurance and 1101 01:26:02.640 --> 01:26:08.279 we gave them the We gave them the referral, and that's important. People 1102 01:26:08.319 --> 01:26:12.479 with insurance remember this. You're going to hear a lot about insurance companies not 1103 01:26:12.640 --> 01:26:16.640 renewing your policies for roofs unless you change your roof. They don't want a 1104 01:26:16.640 --> 01:26:23.920 three tab really narrow, not narrow but thin asphalt roof anymore. They're making 1105 01:26:23.920 --> 01:26:27.560 you upgrade and yeah, they can do that, or they can refuse to 1106 01:26:27.760 --> 01:26:30.800 cover you. Cynthia, you're calling about Safe Code. What's going on with 1107 01:26:30.920 --> 01:26:35.079 safe Co Insurance? What a quote they are? Why? What's going on 1108 01:26:35.079 --> 01:26:41.560 on the thirtieth before the storm hit. I had emailed Safe Code to find 1109 01:26:41.600 --> 01:26:46.760 a cheaper policy. My policy doesn't expire until November twenty four. Okay, 1110 01:26:47.119 --> 01:26:54.479 I had got a compass quote because I've been listening to you for thirty five 1111 01:26:54.560 --> 01:27:00.000 years, so I don't do anything without your approval. Okay, I had 1112 01:27:00.520 --> 01:27:09.279 check around in January and so I was able to send safe Co on on 1113 01:27:09.439 --> 01:27:14.439 Thursday, the thirtieth of that quote to see if he could beat it or 1114 01:27:14.520 --> 01:27:17.479 match it. But but hold on, why why would you bother doing that? 1115 01:27:18.319 --> 01:27:21.399 I mean, why would you if Compass came with a better price, 1116 01:27:21.399 --> 01:27:25.640 why would you even go back to Safe Cost? Well, because I didn't 1117 01:27:25.720 --> 01:27:31.000 change my insurance. I was since it at autover News and I just was 1118 01:27:31.039 --> 01:27:35.199 trying to take a better interest in what was going on. And I'm a 1119 01:27:35.239 --> 01:27:40.039 preventive person, so I was trying to get ahead of I understand. But 1120 01:27:40.119 --> 01:27:45.119 when you know, when Compass gave you a price that was better, why 1121 01:27:45.199 --> 01:27:47.800 then go back to Safeco and say match Yet? Why what did you have 1122 01:27:47.840 --> 01:27:54.119 some allegiance to Safeco? Well, I've had him forever. Okay, Well 1123 01:27:54.119 --> 01:27:58.800 what does that mean if anything? Okay, everybody mutual bought them. I 1124 01:27:58.840 --> 01:28:02.319 had never had you know, I need to see let me explain, let 1125 01:28:02.359 --> 01:28:05.199 me explain something to people. I have to say this and get it off 1126 01:28:05.199 --> 01:28:09.800 my chair. I just have to say this. The one industry where loyalty 1127 01:28:10.119 --> 01:28:15.399 is actually penalized, not rewarded, is insurance. It is the one industry 1128 01:28:15.680 --> 01:28:19.560 that you can almost always do better finding another company. We do what's called 1129 01:28:19.560 --> 01:28:25.239 the insurance checkup, and that means people can call Compass Insurance Group and get 1130 01:28:25.239 --> 01:28:29.439 a free insurance checkup. Eighty five percent of the time they can find another 1131 01:28:29.520 --> 01:28:35.159 policy and save those people money. Why because longevity and loyalty with insurance is 1132 01:28:35.199 --> 01:28:40.439 never rewarded. Here's how it works. You get an insurance policy, and 1133 01:28:40.479 --> 01:28:45.199 once they know they have you, they creep up this it's called creep up 1134 01:28:45.239 --> 01:28:49.399 syndrome. They creep up the premiums and they creep down the coverages. So 1135 01:28:49.479 --> 01:28:54.279 the longer you have insurance, the worst deal you have, and the way 1136 01:28:54.319 --> 01:28:58.159 to get a better deal is to rewrite the policy. I just want people 1137 01:28:58.199 --> 01:29:01.279 to know that, for some reason, people have this vision that if they're 1138 01:29:01.279 --> 01:29:06.880 with an insurance company for twenty or thirty years, somehow it's golden and they're 1139 01:29:06.880 --> 01:29:14.840 doing something lofty and it's really a good value. It is exactly the opposite. 1140 01:29:15.199 --> 01:29:21.119 Insurance companies have zero loyalty. They are blood sucking scumbags. The industry, 1141 01:29:21.319 --> 01:29:28.319 it's the only industry that I truly believe does not have people's best interests. 1142 01:29:28.319 --> 01:29:33.760 Most industries want to help people insurance companies are the low life of industries. 1143 01:29:33.800 --> 01:29:38.239 They come in and ruin healthcare. They come in and ruin insurance, 1144 01:29:38.520 --> 01:29:42.960 car, insurance, everything. They the adjusters go out and try to pay 1145 01:29:42.960 --> 01:29:46.079 as little as possible. That's why they're called adjusters. You never hear them 1146 01:29:46.119 --> 01:29:51.319 adjust things upward. They always adjust things downward. And I just have to 1147 01:29:51.359 --> 01:29:57.359 get this off my chest because Cynthia, you are under some crazy illusion that 1148 01:29:57.439 --> 01:30:00.159 you want to stay with safe Code because you've had them for years, and 1149 01:30:00.199 --> 01:30:05.760 that is exactly the reason you should get away from them. But now continue, 1150 01:30:06.199 --> 01:30:10.720 Okay. So anyway, when the storm hit, it was on the 1151 01:30:10.760 --> 01:30:15.039 thirtieth. I had emailed you know, SAFECode during the day of the thirtieth. 1152 01:30:15.680 --> 01:30:21.359 You had emailed them asking if they could beat the compass price right during 1153 01:30:21.399 --> 01:30:26.680 the day of the thirtieth. Okay, So when the storm hit, I 1154 01:30:26.720 --> 01:30:31.439 got on your website and contacted Excel. Excel roofing came out the next day, 1155 01:30:31.640 --> 01:30:35.359 wonderful. I want to deal with him, and I called to put 1156 01:30:35.359 --> 01:30:39.920 in my roof claim because my roof was I live in Green Valley Ranch. 1157 01:30:39.960 --> 01:30:48.880 It was destroyed. And I find out that he's changed my policy and who 1158 01:30:48.960 --> 01:30:55.119 changed her policy the Safe Coe people, they changed him from my deductible from 1159 01:30:55.119 --> 01:30:58.000 one thousand dollars to six thousand. No, wait a minute, wait, 1160 01:30:58.000 --> 01:31:01.439 wait a minute, Wait a minute. And you're saying they change they can't. 1161 01:31:01.560 --> 01:31:05.439 Let me explain this to you very clearly. During an insurance contract, 1162 01:31:05.520 --> 01:31:11.279 they can't change it. So if your insurance contract had a one thousand or 1163 01:31:11.279 --> 01:31:15.760 two thousand dollars deductible, they cannot change it. Well, they did, 1164 01:31:15.119 --> 01:31:21.239 they can't, so they can't. So and my policy didn't expire until November 1165 01:31:21.359 --> 01:31:26.720 twenty four. The policy you have through November of twenty four? Do you 1166 01:31:26.760 --> 01:31:31.119 still have it? Yeah? And I have it, but he's rewriting it. 1167 01:31:31.479 --> 01:31:34.880 And when I called Cynthia in question, Cynthia, one thing at a 1168 01:31:34.880 --> 01:31:39.079 time, Cynthia, because you're not making sense. You're talking about rewriting. 1169 01:31:39.119 --> 01:31:44.920 Here's what I'm asking you. You have a policy in your possession that expires 1170 01:31:45.199 --> 01:31:50.319 in November of this year. Is that correct? It is correct that policy 1171 01:31:50.520 --> 01:31:57.680 that expires in November of twenty twenty four has how much of a deductible one 1172 01:31:57.720 --> 01:32:03.199 thousand dollars? Then they cannot change until November of twenty twenty four unless you 1173 01:32:03.359 --> 01:32:09.439 cancel the policy I did not. Then they can't do it. So tell 1174 01:32:09.479 --> 01:32:15.319 me how they did that. I don't know, because I emailed him to 1175 01:32:15.399 --> 01:32:20.800 find a comparable price or cheaper prise him? Who's him? His name is 1176 01:32:20.920 --> 01:32:25.960 Jim Morale? Who is he? Who? Who compass? Where? Who 1177 01:32:26.000 --> 01:32:30.319 did you email? Okay? He's a part of broad Field Insurance A again? 1178 01:32:30.479 --> 01:32:35.359 Who who are you? Did you ask safeg? Is that what you 1179 01:32:35.479 --> 01:32:40.600 mean? The people who are representing you with Safeco? You asked them? 1180 01:32:40.880 --> 01:32:46.119 Okay, so you asked them to find you a better policy before mine expired. 1181 01:32:46.359 --> 01:32:49.680 I get it. You asked them to find you a better policy. 1182 01:32:50.039 --> 01:32:54.359 What did what did you mean by that? Did you say I want to 1183 01:32:54.399 --> 01:32:59.520 pay a less of a premium? Correct? Okay? And that broker that 1184 01:32:59.560 --> 01:33:05.000 you had could have misconstrued that that you wanted to cancel your policy and pay 1185 01:33:05.079 --> 01:33:08.840 less. I put it in. It was in an email. Good. 1186 01:33:08.920 --> 01:33:15.720 I physically stated that I was shopping around before my policy. Excellent, excellent, 1187 01:33:15.000 --> 01:33:18.199 And that's excellent. You put it in an email. So this guy 1188 01:33:18.319 --> 01:33:25.680 took it upon himself to rewrite you a policy with a higher deductible but probably 1189 01:33:25.720 --> 01:33:30.680 a lower premium. Right, it was a higher deductible, and then it 1190 01:33:30.760 --> 01:33:40.600 had my medical coverage payment. Uh, he changed the total policy premium changed, 1191 01:33:42.239 --> 01:33:50.199 He just changed it. Did it lower your premium? No? Well, 1192 01:33:50.359 --> 01:33:56.279 what excuse would a guy have for giving you less coverage? Did it 1193 01:33:56.520 --> 01:34:03.079 raise your premium? Let me see, Cynthia, what you're telling me makes 1194 01:34:03.079 --> 01:34:08.279 no sense. You're telling me you called to inquire about a better deal and 1195 01:34:08.319 --> 01:34:13.800 this guy at Safecoa took it upon himself to change your policy to less coverage 1196 01:34:14.199 --> 01:34:17.880 for the same price. Well, he gave me a total policy premium of 1197 01:34:18.000 --> 01:34:23.199 six thousand instead of eight thousand. Okay, so you did say to see 1198 01:34:23.199 --> 01:34:27.920 That's what I'm getting at. He thought that he was doing you a favor. 1199 01:34:30.640 --> 01:34:32.880 Well, he still couldn't have changed it would before it expired. Yeah, 1200 01:34:32.920 --> 01:34:38.079 he could have with your signature or approval, but you signed signed anything. 1201 01:34:38.159 --> 01:34:40.880 Okay, we need to get compass On. I need to get compass 1202 01:34:40.880 --> 01:34:43.600 On to talk about I mean, they're not involved in this, but I 1203 01:34:43.680 --> 01:34:46.279 need to ask them. I don't think they can do this. I think 1204 01:34:46.279 --> 01:34:49.000 they're trying to pull a fast one on you, and I think you can 1205 01:34:49.000 --> 01:34:53.720 go to the Insurance Commission and I do not think they can force you into 1206 01:34:53.720 --> 01:34:56.640 a new policy with less coverage. I don't think they can do it, 1207 01:34:56.880 --> 01:35:02.439 so hold on and let's I'm going to get our experts on to address Go 1208 01:35:02.600 --> 01:35:06.840 with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay 1209 01:35:06.840 --> 01:35:15.199 a cent until you're content. Time for an insurance check up free no obligation 1210 01:35:15.359 --> 01:35:19.960 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find 1211 01:35:19.960 --> 01:35:24.279 out now three oh three seven seven to one help. You'll think you're his 1212 01:35:24.439 --> 01:35:28.439 only customer when you choose Frank durand the real estate Man dot com to list 1213 01:35:28.479 --> 01:35:39.439 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 1214 01:35:40.960 --> 01:35:45.159 Hi Tom Martino here three O three seven one three talk seven one three eight 1215 01:35:45.199 --> 01:35:51.239 two five five. Let's uh, let's talk now this thing with Cynthia. 1216 01:35:51.319 --> 01:35:55.520 We need to get one of our insurance extras on. This is unheard of, 1217 01:35:56.159 --> 01:35:58.760 you know, Cynthia. I just want to tell you something. Whenever 1218 01:35:58.800 --> 01:36:02.039 I've made policyach just like with Compass for example, and I want to cancel 1219 01:36:02.119 --> 01:36:05.920 or change anything, anything at all, even at the end of my policy, 1220 01:36:06.319 --> 01:36:12.439 they send me docu signed documents to acknowledge everything. They never do anything 1221 01:36:12.520 --> 01:36:15.520 verbally, Well, they do, they get it started, but they always 1222 01:36:15.560 --> 01:36:18.760 require me to sign I say, Brian, man, come on, man, 1223 01:36:18.800 --> 01:36:21.600 you know me, I'll just go ahead and do it. And and 1224 01:36:21.680 --> 01:36:27.479 they want that they want that documented. So if this clown agent says you 1225 01:36:27.560 --> 01:36:31.520 were changed and it's disadvantage to you and you got a way more deductile, 1226 01:36:31.560 --> 01:36:34.920 this guy's going to have hell to pay if he can't show documentation. Okay, 1227 01:36:35.640 --> 01:36:39.720 you hang on. We're gonna get our insurance expert on to verify that. 1228 01:36:40.359 --> 01:36:42.880 And then you go to the insurance commission. They can't get away with 1229 01:36:42.920 --> 01:36:45.079 this crap. No, no, no, no no. Let's talk to 1230 01:36:45.159 --> 01:36:49.800 Patrick. Hey, Patrick, what is your question concerned? What's happening? 1231 01:36:50.960 --> 01:36:54.600 Not much? How are you doing? I'm doing good man? What's going 1232 01:36:54.640 --> 01:36:58.840 on? I love your show. I always listen and I've learned learned a 1233 01:36:58.880 --> 01:37:03.479 lot than Just have a quick question about, uh, the sales tax stamp 1234 01:37:03.600 --> 01:37:11.000 on tobacco and alcohol. Yeah, that's for sales tax. Correct. It's 1235 01:37:11.000 --> 01:37:15.119 well, it's not for sales tax. It's it's for taxes. It shows 1236 01:37:15.159 --> 01:37:19.359 that they were taxed. I don't think they they might call it a sales 1237 01:37:19.399 --> 01:37:23.720 tax. I thought it was an excise tax, but there are certain taxes 1238 01:37:23.760 --> 01:37:27.279 they have to pay before it even goes out for sale, and then sales 1239 01:37:27.319 --> 01:37:30.960 tax goes on top of that. I just remember when I was younger, 1240 01:37:30.000 --> 01:37:33.439 when you ad buy cigarettes or alcohol, there was that was the price. 1241 01:37:33.520 --> 01:37:38.119 There was no tax added onto it, no other taxes added on to them 1242 01:37:38.159 --> 01:37:42.039 all the time. Now, yeah, they when you go to check out, 1243 01:37:42.159 --> 01:37:45.680 they add sales tax on top of the tax. And I just didn't 1244 01:37:45.680 --> 01:37:48.279 know if that was like being double taxed. Well, it is being It 1245 01:37:48.359 --> 01:37:53.680 is being double tax. We're often double tax and triple tax. It depends 1246 01:37:53.680 --> 01:37:58.960 on what we buy. See people, some people have to pay excise taxes. 1247 01:37:59.000 --> 01:38:00.359 Some people have to pay import taxes. Some people have to pay all 1248 01:38:00.399 --> 01:38:05.000 kinds of taxes or surcharges or tariffs. And then on top of that you 1249 01:38:05.079 --> 01:38:09.760 might pay a tax for transportation, and then why the time it gets to 1250 01:38:09.800 --> 01:38:14.319 the retail level, you pay your sales tax. Yeah, that's absolutely normal. 1251 01:38:14.600 --> 01:38:17.039 Now, there was a time, I believe there were some places that 1252 01:38:17.199 --> 01:38:24.640 exempted alcohol, tobacco and food. There's cigarettes in almost every state unless you're 1253 01:38:24.640 --> 01:38:28.159 on an Indian reservation or something like that. At sea, they have an 1254 01:38:28.159 --> 01:38:31.560 excise tax that's with this guy. Some states do not add a sales tax 1255 01:38:31.640 --> 01:38:35.119 on top of that, but Colorado, I assume does. Yeah, And 1256 01:38:35.520 --> 01:38:39.880 that's the point. They don't have to not do it. In other words, 1257 01:38:39.920 --> 01:38:43.720 in other words, there's nothing that says it's not. But it used 1258 01:38:43.720 --> 01:38:48.000 to be in some states that alcohol, tobacco, and food were all untaxed. 1259 01:38:48.720 --> 01:38:53.640 Now they tax the hell out of everything, and in fact food, 1260 01:38:54.079 --> 01:38:57.880 of course, I think that the rule on food, unless it's changed. 1261 01:38:58.680 --> 01:39:01.479 The only thing that's tax on food right now, I think is prepared food, 1262 01:39:01.600 --> 01:39:04.079 right. I mean, if you buy groceries, do we buy, 1263 01:39:04.119 --> 01:39:09.000 we don't pay sales tax? Suey on food? I don't. I don't 1264 01:39:09.000 --> 01:39:13.000 remember. But to make a long story short, they can. If you 1265 01:39:13.039 --> 01:39:15.920 buy a pack of cigarettes right now at Walgreens, you're going to pay sales 1266 01:39:15.960 --> 01:39:19.319 tax. Okay. I was just curious about that because I swear it used 1267 01:39:19.359 --> 01:39:24.159 to be they didn't. That's right. That's in some states. I don't 1268 01:39:24.199 --> 01:39:27.520 think still do. I mean, I'm not sure, but I think that 1269 01:39:27.600 --> 01:39:31.439 there are still some states that do not charge sales tax. But that's really 1270 01:39:32.119 --> 01:39:39.640 a local state issue. That is not something to be that's not something that 1271 01:39:39.840 --> 01:39:44.760 says, hey, if there's a stamp on it, then you don't pay 1272 01:39:44.800 --> 01:39:48.640 sales tax on it. Three. In fact, we have there are cases 1273 01:39:48.680 --> 01:39:55.720 where people who build stuff, they pay sales tax on components, and then 1274 01:39:56.319 --> 01:40:00.279 you pay sales tax on the finished product. So there's all Oftentimes we're double 1275 01:40:00.319 --> 01:40:06.199 and triple text. Now Cynthia's question about Safeco, we're going to talk about 1276 01:40:06.239 --> 01:40:16.079 coming up go with a sure thing Denver's Best roofer Excel Roofing dot com. 1277 01:40:16.119 --> 01:40:24.279 You don't pay a cent until you're content. Time for an insurance checkup free 1278 01:40:24.359 --> 01:40:29.960 no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance 1279 01:40:30.000 --> 01:40:32.720 companies find out now three oh three seven seven to one help. You'll think 1280 01:40:32.760 --> 01:40:36.800 you're his only customer when you choose Frank durand the real estate Man dot com 1281 01:40:36.800 --> 01:40:42.479 to list your home with Remax Alliance three oh three nine two zero sixteen twenty 1282 01:40:42.520 --> 01:40:50.920 two. Hi Tom Martino here three oh three seven one three talk seven one 1283 01:40:50.960 --> 01:40:56.319 three eight two five five. Jeremy, I hope we can get this in. 1284 01:40:56.439 --> 01:41:01.760 Jeremy Kuzier Curzio is with u Compass Insurance Group, home of the free 1285 01:41:01.840 --> 01:41:06.920 insurance checkups by the way and three h three nine ninety six nine thousand, 1286 01:41:06.960 --> 01:41:12.239 Jeremy, I got a question for you. Sure, okay. This woman 1287 01:41:12.319 --> 01:41:16.319 claims she has safe Co insurance on her home with a one thousand dollars deductible 1288 01:41:16.720 --> 01:41:24.079 that expires in November of twenty twenty four. And I believe that policy, 1289 01:41:24.199 --> 01:41:28.760 Tom, was through Compass. Well, Cynthia, did you get No, 1290 01:41:28.880 --> 01:41:31.800 it wasn't, Cynthia. The safe Co policy you have you did not get 1291 01:41:31.840 --> 01:41:36.920 through Compass, right? Correct? Right? Because she mentioned Mark another broker, 1292 01:41:38.720 --> 01:41:42.439 and she said she went to Compass to get a better deal. So, 1293 01:41:43.199 --> 01:41:48.960 Jeremy, here's what happened. She claims she called her safe Code agent 1294 01:41:49.720 --> 01:41:55.199 and said, I want to try to shop around before expiration. I want 1295 01:41:55.199 --> 01:41:58.960 to get a better deal. It was an email, Tom, an email, 1296 01:41:58.960 --> 01:42:01.479 I'm sorry, and she said she wanted to get a better deal and 1297 01:42:02.079 --> 01:42:06.880 that's all she did, according to her, that's all she did. Then 1298 01:42:08.920 --> 01:42:12.760 she went to you guys for an insurance check up as well. She made 1299 01:42:12.800 --> 01:42:16.960 no other changes. There was a hailstorm shortly after that, and now they 1300 01:42:17.000 --> 01:42:21.920 tell her she doesn't have a one thousand dollars deductible. They changed her policy 1301 01:42:23.720 --> 01:42:29.319 and they saved her money. But now she has a six thousand dollars deductible 1302 01:42:29.920 --> 01:42:34.760 and she signed nothing. Now, I know you guys make me document everything 1303 01:42:34.800 --> 01:42:39.680 when you make a change. Can they just say, willy nilly, we 1304 01:42:39.880 --> 01:42:45.119 changed your policy? No, no, does that happen. It can, 1305 01:42:45.960 --> 01:42:51.159 but no, they can't just change her policy without her approval on it. 1306 01:42:51.199 --> 01:42:56.560 So you're saying the broker changed it, not safego right, And she's claiming 1307 01:42:56.760 --> 01:43:00.399 this guy's claiming she requested it. So and you do it on a verbal 1308 01:43:00.560 --> 01:43:03.680 or does it have to be signed? What if he claims she gave him 1309 01:43:03.720 --> 01:43:09.239 authority? And what if he claims Cynthia gave me authority and Cynthia says I 1310 01:43:09.319 --> 01:43:13.720 never did I have an email to prove it? Yeah, I mean I 1311 01:43:13.720 --> 01:43:16.399 think the onus certainly falls on the broker, but it can be a fight, 1312 01:43:16.560 --> 01:43:21.760 and that's you know, that's why you'd try to get everything signed. 1313 01:43:21.760 --> 01:43:26.079 That's why we send that stuff because we want to make sure everyone's on the 1314 01:43:26.079 --> 01:43:29.119 same page. So if I mean, if she can prove she did not 1315 01:43:29.399 --> 01:43:32.199 authorize it, well, I don't think she has to prove she did not 1316 01:43:32.359 --> 01:43:35.680 authorize it. I think he has to prove she did. I mean, 1317 01:43:35.800 --> 01:43:40.359 oh, absolutely, absolutely. What I was going to you're you're absolutely right. 1318 01:43:40.439 --> 01:43:44.199 What I was going to say is if she could prove to safeg hey, 1319 01:43:44.279 --> 01:43:46.560 I never changed this, This was done behind my back. Right, 1320 01:43:46.720 --> 01:43:50.319 Safego could work with her and then they could deal with the agent on the 1321 01:43:50.359 --> 01:43:55.600 difference. So she she should call she should call them directly. Have you 1322 01:43:55.680 --> 01:44:00.359 called Safego directly, Cynthia, No, I didn't know how to do that. 1323 01:44:00.680 --> 01:44:02.960 Who does she call it safe Coad, Jeremy, don't they only work 1324 01:44:03.000 --> 01:44:09.920 through agents? They do? She would have she can call them directly. 1325 01:44:09.960 --> 01:44:13.079 I mean, you can't get like a new policy through them directly. But 1326 01:44:13.159 --> 01:44:15.000 hey, I've got listen, Jeremy, I've got safe Co. I went 1327 01:44:15.119 --> 01:44:19.760 to call over a question I had now mine was auto insurance about two weeks 1328 01:44:19.760 --> 01:44:24.319 ago, and it tells me to call you guys period in des study. 1329 01:44:25.079 --> 01:44:30.159 That's which they're gonna want to do in a case like this. Do you 1330 01:44:30.199 --> 01:44:33.920 have an open claim? Is the claim going on right now? I was 1331 01:44:34.000 --> 01:44:38.159 trying to file one the very next day. He did all this in twenty 1332 01:44:38.159 --> 01:44:44.399 four hours. Okay, the adjuster would be someone you could My argument would 1333 01:44:44.439 --> 01:44:48.840 be, or my hope would be that Safego could work with you, get 1334 01:44:48.880 --> 01:44:53.399 back to that original deductible, and then they can deal with the broker. 1335 01:44:53.680 --> 01:44:58.640 Yeah, but Cynthia, you may have to go to the division of insurance 1336 01:44:59.039 --> 01:45:02.720 and tell them that they change your policy right before the storm without your knowledge 1337 01:45:03.039 --> 01:45:09.039 or approval. I mean, I swear to you that you tell them that 1338 01:45:09.359 --> 01:45:13.079 this is what happened. And I don't mind giving it to someone to work 1339 01:45:13.119 --> 01:45:15.600 on, but I want you to call the insurance division first. This cannot 1340 01:45:15.680 --> 01:45:19.640 stand. We will help you, Cynthia. Go with a sure thing Denvers 1341 01:45:19.680 --> 01:45:26.560 Best Roofer Excel Roofing dot com. You don't pay a cent until you're contenth 1342 01:45:28.399 --> 01:45:31.560 time for an insurance checkup free, no obligation. In comparison, call Compass 1343 01:45:31.600 --> 01:45:36.039 Insurance. Pay too much your coverage at dozens of insurance companies find out Now 1344 01:45:36.119 --> 01:45:40.960 three oh three seven seven to one help. You'll think you're his only customer 1345 01:45:41.000 --> 01:45:44.600 when you choose Frank durand the real estate Man dot com to list your home 1346 01:45:44.800 --> 01:45:58.680 with Remax Alliance three oh three nine two zero sixteen twenty two news. So 1347 01:45:58.840 --> 01:46:05.640 you don't have run anxious. As fast as we can. Shooter's gonna help 1348 01:46:05.920 --> 01:46:15.840 coming man. This is the troubleshooter show now, Tom Martino, Hi, 1349 01:46:15.960 --> 01:46:19.479 Tom Martino here three oh three seven one three talk seven one three eight two 1350 01:46:19.560 --> 01:46:23.720 five five. Welcome to the show. This hour brought to you by frankurandereal 1351 01:46:23.800 --> 01:46:29.199 estate man dot com for a market analysis of your home what will itself war? 1352 01:46:29.239 --> 01:46:31.640 Without going through listing and all of that, Just go through Frank's thirty 1353 01:46:31.720 --> 01:46:36.199 years of experience three oh three nine two zero sixteen twenty two, No obligation, 1354 01:46:36.359 --> 01:46:41.560 free of charge The Man three oh three nine two zero sixteen twenty two. 1355 01:46:41.600 --> 01:46:47.279 Let's talk. You know, I would be really upset if some insurance 1356 01:46:47.319 --> 01:46:51.640 broke er changes my insurance without my knowledge or without my approval. And I 1357 01:46:51.680 --> 01:46:55.319 want you to know this, folks. If anyone tries to pull this on 1358 01:46:55.399 --> 01:46:59.640 you call us. That was a previous hour call. She said. When 1359 01:46:59.640 --> 01:47:01.279 I went to look at my deductible, it was now six thousand dollars. 1360 01:47:01.319 --> 01:47:05.119 I had a one thousand dollars deductible through November of twenty twenty four. And 1361 01:47:05.159 --> 01:47:08.560 the guy said, well, you called to change it. She said, 1362 01:47:08.600 --> 01:47:12.399 no, I or she said, he said you didn't call, but you 1363 01:47:12.439 --> 01:47:15.720 emailed to change it. Her email said I'm shopping around for better rates. 1364 01:47:16.039 --> 01:47:20.560 That's what she said, and he took it upon himself, the changer to 1365 01:47:20.640 --> 01:47:25.600 a higher deductible. This is according to her. Of course, we're going 1366 01:47:25.640 --> 01:47:30.359 to check it out. Gina, what's happening, Hi, Gena, what's 1367 01:47:30.399 --> 01:47:34.720 going on? I got a question? Yeah? Okay, So my car 1368 01:47:34.760 --> 01:47:39.439 went in the shop. I got an accident. My car went in the 1369 01:47:39.479 --> 01:47:44.680 shop on the twenty third of May. Yeah, they just called me five 1370 01:47:44.720 --> 01:47:48.640 minutes ago and told me that my car was in hell damage at their shop. 1371 01:47:50.119 --> 01:47:57.479 And it's thirty one hundred dollars. And with the naked eye, with 1372 01:47:57.600 --> 01:48:00.039 his eye, he can only see one dance. Well, I don't want 1373 01:48:00.039 --> 01:48:04.159 my car, you know. Well, what you have to do. What 1374 01:48:04.199 --> 01:48:08.359 you have to do is have Now what was it in there originally for? 1375 01:48:09.399 --> 01:48:13.560 Because I was in a car accident? Okay, Oh, this is complicated. 1376 01:48:13.880 --> 01:48:19.239 Went into a body shop for a car accident, and your insurance company 1377 01:48:19.279 --> 01:48:24.119 was going to pay for that, right, it's all covered. Okay, 1378 01:48:24.359 --> 01:48:28.680 my fault, I got it. Now on top of that, you got 1379 01:48:28.720 --> 01:48:32.920 hail damage. And what you need to do is have your adjuster. Your 1380 01:48:33.000 --> 01:48:39.159 adjuster go out there, because are you covered for hal you have comprehensive coverage. 1381 01:48:39.520 --> 01:48:43.199 Yeah, okay, So now your insurance company has to go out and 1382 01:48:43.239 --> 01:48:47.479 assess how much of that that they'll cover the hail, and then the other 1383 01:48:47.640 --> 01:48:55.279 company covers your car. There's two separate claims. Okay, I'm just I 1384 01:48:55.479 --> 01:48:59.279 was trying to figure out. Was it's your place? No, that doesn't 1385 01:48:59.319 --> 01:49:00.760 matter. Well, let me put it to you this way. What if 1386 01:49:00.800 --> 01:49:04.279 you went to the supermarket and parked your car there. Would you expect the 1387 01:49:04.319 --> 01:49:09.920 supermarket to pay if there was a hailstorm? No? I don't now. 1388 01:49:10.680 --> 01:49:15.199 The only way they would be responsible, Gina, is if they promised you 1389 01:49:15.880 --> 01:49:19.600 they were going to keep it inside. Okay did they promise you that? 1390 01:49:20.840 --> 01:49:27.399 Nah? No? How long was your car there? Just the twenty third 1391 01:49:27.439 --> 01:49:30.520 of me? And and they have a parking lot outside. I know that 1392 01:49:30.720 --> 01:49:35.920 body shop you're talking about it. It's over on Wabash right, Yeah, 1393 01:49:36.039 --> 01:49:41.279 yeah, good people. And I took I took my car there once, 1394 01:49:41.479 --> 01:49:45.479 and you park outside, they have a lot. They don't promise to keep 1395 01:49:45.520 --> 01:49:47.840 it inside. See, it's not their fault. The hailstorm came right. 1396 01:49:49.039 --> 01:49:55.239 No, Thisistan made pissed me off. You know you're lucky though it's there 1397 01:49:55.279 --> 01:49:59.199 already being fixed. You won't notice the difference. You really won't, but 1398 01:49:59.520 --> 01:50:01.039 you're going to. I'm not worried about that. I'm not. I'm just 1399 01:50:01.079 --> 01:50:05.680 what he's saying that he can only see one dent. If I don't look 1400 01:50:05.720 --> 01:50:09.520 at it under the light, then I have only one dent. Yeah, 1401 01:50:09.560 --> 01:50:13.239 but why not take advance? Why not put in an insurance claim? I 1402 01:50:13.279 --> 01:50:18.720 mean, if you have how much is your deductible? Oh fifty? Oh? 1403 01:50:18.800 --> 01:50:23.159 You only haven't about any of that, Okay, not about any of 1404 01:50:23.159 --> 01:50:26.199 that. It's just I guess I'm just I was hot headed, and you 1405 01:50:26.239 --> 01:50:28.880 know, I got y'all own speed out. You know, I got I 1406 01:50:28.960 --> 01:50:33.600 got people over there. So so did you think you thought at first they 1407 01:50:33.600 --> 01:50:38.199 should pay for it? Right? Yeah? I did? Yeah I did. 1408 01:50:38.319 --> 01:50:40.520 I'm like, okay, well, y'all go ahead and take care of 1409 01:50:40.560 --> 01:50:44.720 it. You know, Yeah, they're not going to. But I know 1410 01:50:45.039 --> 01:50:46.720 that's you just got no. But you know what, the whole thing, 1411 01:50:48.000 --> 01:50:51.920 we get this call mark, how many times do you think this time of 1412 01:50:53.039 --> 01:50:56.520 year? We get it all the freaking time? But how would you say, 1413 01:50:56.520 --> 01:50:59.600 over the last five years, what we've had at least a dozen calls, 1414 01:50:59.640 --> 01:51:02.680 about more than a dozen, and not just not just tail, but 1415 01:51:02.840 --> 01:51:08.000 either the car gets stolen, from a shop, or the car gets vandalized 1416 01:51:08.079 --> 01:51:11.600 or the cat gets stolen. But it's all the exact same thing, right, 1417 01:51:11.800 --> 01:51:16.399 and unless that shop had anything contributory, you know, like did something. 1418 01:51:16.680 --> 01:51:19.680 I like how we're our numbers on speed dial though. That's cool. 1419 01:51:19.760 --> 01:51:25.560 Yeah, she's funny. Just an FYI guys, Gina and I used to 1420 01:51:25.560 --> 01:51:30.279 be neighbors. Oh well you woman, tell Gina. I'm really, really, 1421 01:51:30.359 --> 01:51:35.000 really really sorry. Now, Don, what's going on? Don? 1422 01:51:39.279 --> 01:51:47.279 Don? Hey, Don, what's going on? Well? Am I having 1423 01:51:47.359 --> 01:51:54.119 problems with a credit card? Okay, what's going on with it? Well, 1424 01:51:54.199 --> 01:51:58.920 it's been probably about a month and a half since we pre shoot the 1425 01:51:59.039 --> 01:52:03.720 bill, and I haven't wait a minute. A month and a half, 1426 01:52:03.720 --> 01:52:08.159 you didn't receive a bill, So do you keep track of that? That's 1427 01:52:08.239 --> 01:52:12.960 good? And so, uh did you go online to check your statement? 1428 01:52:14.279 --> 01:52:16.359 No? I didn't go online, but I did make a call. I 1429 01:52:16.439 --> 01:52:20.159 knew the only person I can. I can't get a real person to talk 1430 01:52:20.199 --> 01:52:25.479 to. What kind of credit card is? Can I say the word the 1431 01:52:25.880 --> 01:52:30.600 name? Yeah? Of course, Okay, it's a Master Shares MasterCard? 1432 01:52:31.479 --> 01:52:35.920 Okay, Now, do you have online access to that account? Most accounts 1433 01:52:35.920 --> 01:52:40.680 nowadays have online access do you have access where you can go on and see 1434 01:52:40.680 --> 01:52:45.279 transactions and all of that. I've never done that before. Well you know 1435 01:52:45.359 --> 01:52:47.680 you can go on even now. Do you have the numbers? Do you 1436 01:52:47.720 --> 01:52:51.239 have do you have any record of that account, of that credit card number? 1437 01:52:51.319 --> 01:52:55.880 And are you still have the credit card? Right? I do have? 1438 01:52:56.039 --> 01:53:00.000 All right, So just go online and just open up an online account 1439 01:53:00.039 --> 01:53:03.079 and you put in your credit card number and it will open up an account 1440 01:53:03.079 --> 01:53:06.039 for you. All of them have it, and then you'll be able to 1441 01:53:06.079 --> 01:53:11.920 see any transactions and bills you have. But why did they Why did they 1442 01:53:12.000 --> 01:53:16.760 tell you that you're not getting a bill? Well, they didn't tell me. 1443 01:53:16.840 --> 01:53:21.359 I just haven't received one, and we've had the card since nineteen eighty 1444 01:53:21.399 --> 01:53:27.920 two. They probably owedged it to paperless. They switched him without telling anythink. 1445 01:53:28.920 --> 01:53:30.760 I don't know the rules on that. Honestly. I thought they had 1446 01:53:30.800 --> 01:53:34.720 to tell you, but I could be wrong. Hey tell me this, 1447 01:53:35.159 --> 01:53:39.720 tell me this. Uh. Don do you ever call them for anything? 1448 01:53:42.119 --> 01:53:45.319 No? No, not very often at all. Well call the number on 1449 01:53:45.399 --> 01:53:49.439 your card and tell him you haven't received a statement. Well that's the number 1450 01:53:49.439 --> 01:53:53.159 that I called, and then I got on the internet to look at But 1451 01:53:53.239 --> 01:53:55.439 what do wait? Wait, when you called, what did they tell you? 1452 01:53:57.720 --> 01:54:00.840 You get on a recording? You're talking to somebody that's not really there. 1453 01:54:00.880 --> 01:54:04.720 They just get information. They get your credit card number and that's it. 1454 01:54:04.840 --> 01:54:10.800 And you can't you can't be get any deeper. They just there's nobody 1455 01:54:10.840 --> 01:54:13.680 there to talk to. No, I mean, eventually though, there's a 1456 01:54:13.760 --> 01:54:17.239 representative. You can dial such and such for a representative, right, not 1457 01:54:17.359 --> 01:54:20.560 that I'm aware of. Well, I think you can. Don Honest to 1458 01:54:20.600 --> 01:54:25.359 god, I don't know of any credit card companies that won't have customer service. 1459 01:54:25.800 --> 01:54:28.239 There's a number on the back of your card. You call the number 1460 01:54:28.439 --> 01:54:31.560 and you drill through to representative. And if they ask you for questions, 1461 01:54:31.960 --> 01:54:38.159 like you just you just this. All you keep saying is representative, representative 1462 01:54:38.560 --> 01:54:42.920 and here's that representative. Now. If that doesn't work, you go to 1463 01:54:43.000 --> 01:54:46.319 the Sears master card website. Okay, I don't know what it is. 1464 01:54:46.600 --> 01:54:49.199 But do you have an old statement and it'll be on your old statement. 1465 01:54:49.520 --> 01:54:53.359 Do you have one? Yeah? Good, go to your old statement. 1466 01:54:53.399 --> 01:54:56.760 Look up on the top somewhere there's going to be a website. Okay, 1467 01:54:56.920 --> 01:55:00.159 go on that website and start an online account. It doesn't matter. If 1468 01:55:00.159 --> 01:55:03.720 you start it now, it'll have a record of all your transactions when you 1469 01:55:03.760 --> 01:55:08.960 go on there. Then you go to the park that has the statements, 1470 01:55:09.399 --> 01:55:14.359 and there might be something clicked that you want online statements only, and you 1471 01:55:14.399 --> 01:55:17.000 have to unclick it and make it so you get paper statements. But here, 1472 01:55:17.119 --> 01:55:21.000 I'm gonna give you a clue. If you do get online access, 1473 01:55:21.079 --> 01:55:28.640 forget about your paper statements. You don't need them, really, but you're 1474 01:55:28.680 --> 01:55:30.680 gonna tell me. I'm gonna I can hear in your voice just said when 1475 01:55:30.720 --> 01:55:33.840 you went. Really, it's like a baby giving up his toy. I 1476 01:55:33.880 --> 01:55:39.119 know, I know you're at that age. Let me guess you're over you're 1477 01:55:39.199 --> 01:55:44.920 over sixty five, right? Oh yeah, how old are you? You 1478 01:55:45.079 --> 01:55:50.199 old fart? You shouldn't be using a credit card? Grow up, Hey, 1479 01:55:50.640 --> 01:55:55.319 don listen man, I'm seventy. I'll tell you this online makes your 1480 01:55:55.319 --> 01:55:58.800 life easier. Just get just when you when you get used to it, 1481 01:55:58.840 --> 01:56:01.359 then you just go on and say yourself up some auto payments to pay the 1482 01:56:01.399 --> 01:56:04.720 balance every month. But if you want a paper statement, they certainly will 1483 01:56:04.720 --> 01:56:08.840 send them to you. Mark. I don't know of any companies that stop 1484 01:56:08.960 --> 01:56:13.159 sending the paper statements to you. A lot of them will force you into 1485 01:56:13.199 --> 01:56:15.279 it by saying, okay, if you want paper statements, we're going to 1486 01:56:15.399 --> 01:56:18.640 charge you another half interest point like on a car loan. Yeah, you're 1487 01:56:18.720 --> 01:56:23.840 right, You're right, or they charge a service fee, so don If 1488 01:56:23.880 --> 01:56:26.920 you have problems doing it, I can help you off the air, but 1489 01:56:27.039 --> 01:56:30.920 try it first. Get go to your old statement, find the website. 1490 01:56:30.960 --> 01:56:32.600 Go on there and see if you can open up an account. Three o 1491 01:56:32.720 --> 01:56:41.520 three seven one three two five five Go with a sure thing Denver's Best roofer 1492 01:56:41.640 --> 01:56:47.800 Excel Roofing dot com. You don't pay a cent until you're content. Time 1493 01:56:47.840 --> 01:56:51.720 for an insurance check up free, no obligation. In comparison, call Compass 1494 01:56:51.720 --> 01:56:57.399 Insurance paying too much your coverage at dozens of insurance companies find out now three 1495 01:56:57.479 --> 01:57:00.119 all three seven to seven to one help. You'll think you're his only customer 1496 01:57:00.159 --> 01:57:03.760 when you choose Frank durand the real estate Man dot com to list your home 1497 01:57:03.960 --> 01:57:13.199 with Remax Alliance three oh three nine two zero sixteen twenty two. Hey, 1498 01:57:13.319 --> 01:57:18.079 I'm Tom Martino here. Three three seven to one three talk three oh three 1499 01:57:18.119 --> 01:57:23.039 seven one three eight two five five K and H Home Solutions with us in 1500 01:57:23.039 --> 01:57:25.479 the house. By the way, you can get your calls in any time 1501 01:57:25.560 --> 01:57:29.439 if you want. But we're thinned out right now after a lot of calls, 1502 01:57:29.479 --> 01:57:32.359 and uh, it's worth reminding people a few of these really quickly. 1503 01:57:34.399 --> 01:57:43.000 If you have if you have homeowner's insurance, okay, and they're asking you 1504 01:57:43.039 --> 01:57:45.439 to inspect your roof or they want to come out and look at it. 1505 01:57:45.479 --> 01:57:48.800 Beware, they're dropping a lot of roofs and they are allowed to do that 1506 01:57:49.239 --> 01:57:53.800 upon renewal. They can say we're not going to renew you unless you replace 1507 01:57:53.840 --> 01:57:56.199 your roof. They're thinking, look, if you have an old roof, 1508 01:57:56.439 --> 01:57:59.760 forget this crap about waiting for a storm. You put on a new roof, 1509 01:57:59.760 --> 01:58:01.560 and you put on one that's going to hold up better in hal and 1510 01:58:01.680 --> 01:58:05.319 yes they can do that. Some of them are dropping coverages all together, 1511 01:58:05.960 --> 01:58:10.399 all together. They're saying, we're not covering roofs at all, or you're 1512 01:58:10.399 --> 01:58:14.640 gonna get a high deductible. And then when it comes to safeg safe Co 1513 01:58:14.960 --> 01:58:17.239 is not what it used to be. Safe Co used to be a good 1514 01:58:17.239 --> 01:58:20.720 company. I think they're going downhill. And I'll tell you why, Liberty 1515 01:58:20.800 --> 01:58:26.560 Mutual merge with them, right and Liberty Mutual is not a great company in 1516 01:58:26.560 --> 01:58:30.520 my opinion. So there you go. You got a combination there that's not 1517 01:58:30.720 --> 01:58:35.079 very good. And this one woman, Cynthia, claims they change your policy 1518 01:58:35.119 --> 01:58:41.479 without approval. You just can't do that. But don't put a past insurance 1519 01:58:41.520 --> 01:58:45.159 companies to pull fast ones. As I told you, they are the scum 1520 01:58:45.199 --> 01:58:50.720 of the earth. They are. It's the one industry where it's all negative. 1521 01:58:50.760 --> 01:58:55.239 There is not one thing positive about an insurance industry. I mean, 1522 01:58:55.279 --> 01:58:58.520 obviously the payouts are when you need them. I'm talking about the way the 1523 01:58:58.560 --> 01:59:02.920 industry is run, all predicated on taking premiums and not wanting to pay out 1524 01:59:03.000 --> 01:59:10.840 damages and for stockholders and for screwing the little guy. That's in fact, 1525 01:59:10.920 --> 01:59:15.800 when it comes to health insurance, they're entirely predicated on taking over health insurance 1526 01:59:15.800 --> 01:59:17.359 and telling you what you need and don't need, and what they're going to 1527 01:59:17.399 --> 01:59:23.039 pay for it, and how doctors should practice. They came into a perfectly 1528 01:59:23.079 --> 01:59:30.039 good system and just took it over. People think medical bills, medical expenses 1529 01:59:30.079 --> 01:59:35.359 went up because of greedy doctors and pharmaceutical companies and all of that. Well, 1530 01:59:35.359 --> 01:59:41.479 pharmaceutical companies a little bit, but may doctors know doctors are actually getting 1531 01:59:41.520 --> 01:59:45.840 paid the same or less than they have in the past for the same procedures, 1532 01:59:45.920 --> 01:59:49.039 actually less than twenty and thirty and forty years ago when you adjust for 1533 01:59:49.119 --> 01:59:55.079 inflation. What health insurance did was they came in and said, Okay, 1534 01:59:55.159 --> 01:59:59.800 now we're going to charge premiums and manage care. And it's like the mafia. 1535 01:59:59.840 --> 02:00:05.119 They it came in the middle of the provider and the patient and inserted 1536 02:00:05.159 --> 02:00:10.920 their charges in the middle. That's what they did. It's it's truly protection 1537 02:00:11.079 --> 02:00:15.079 money. It's it's like you didn't need them. Now, obviously we need 1538 02:00:15.079 --> 02:00:17.199 health insurance. I shouldn't say we didn't need them. But there are so 1539 02:00:17.279 --> 02:00:23.760 many better models for health insurance than the model we have now, which is 1540 02:00:23.960 --> 02:00:29.319 trying to do a managed care and low payouts. And they're trying to tell 1541 02:00:29.399 --> 02:00:33.479 doctors how to treat patients, and they're capitating costs, meaning they're giving limits 1542 02:00:33.520 --> 02:00:40.239 per patient, per practice. They have so many practices that are just uncalled 1543 02:00:40.279 --> 02:00:43.880 for, and they could make a ton of money doing it the other way. 1544 02:00:44.359 --> 02:00:47.119 Kaiser's a great example of a better system. Now you may not like 1545 02:00:47.199 --> 02:00:51.880 Kaiser or the doctors or the clinics, but the model it's a nonprofit model. 1546 02:00:53.119 --> 02:00:55.720 It's the only it's, in my opinion, the only way a health 1547 02:00:55.720 --> 02:01:00.640 insurance can work, because there shouldn't with a profit incentive. If you automatically 1548 02:01:00.720 --> 02:01:09.279 have a d sent to it's not you're not incentivized to give great health care. 1549 02:01:10.000 --> 02:01:14.800 It's the other way around. And then we had a woman who had 1550 02:01:14.800 --> 02:01:17.840 her car damaged at a shop with hal We're going to get this. A 1551 02:01:17.880 --> 02:01:25.159 lot people have their cars at places and it gets held on and somehow feel 1552 02:01:25.239 --> 02:01:28.600 that place is responsible. Well, it was fine when I brought it here, 1553 02:01:28.720 --> 02:01:30.359 you know, and then it's sitting outside and it gets held on. 1554 02:01:30.680 --> 02:01:34.119 In fact, if you have a valet service, we've had calls on this 1555 02:01:34.560 --> 02:01:41.720 where a valet will take the car and park it. It's there's a hailstorm, 1556 02:01:42.199 --> 02:01:45.479 they deliver the car back to after dinner and now you figure, oh 1557 02:01:45.520 --> 02:01:50.520 my god, not only did I have a bad dinner and bad service, 1558 02:01:50.600 --> 02:01:56.600 now I have a car returned to me with hell damage. They're not responsible 1559 02:01:56.640 --> 02:02:01.439 for it. Nope, it just doesn't happen that way. So knhe help 1560 02:02:01.520 --> 02:02:08.840 solutions. When we're talking about siding, we already talked about there's nothing new 1561 02:02:08.920 --> 02:02:12.239 under the sun or at least, I don't think there is coming down the 1562 02:02:12.239 --> 02:02:15.279 pike. I wish there was. And you said, James Hardy, the 1563 02:02:15.319 --> 02:02:19.479 cementuous, cementious or whateverwever they call it, that's kind of good. And 1564 02:02:20.479 --> 02:02:27.800 it's it's a what is it a cementuous material mixed with wood. It's a 1565 02:02:27.840 --> 02:02:32.079 fiber cement. So it's there's a little bit of wood fibers in there, 1566 02:02:32.760 --> 02:02:38.560 just to make it a little bit more appliable. Now, so when you 1567 02:02:38.600 --> 02:02:43.279 hold it, can you snap it? You shouldn't be able to snap it 1568 02:02:43.319 --> 02:02:46.239 with your bare hand. It's pretty flexible. How thick are they? They 1569 02:02:46.319 --> 02:02:54.760 are about quarter three and a half inches on the depth on the trim around 1570 02:02:54.800 --> 02:02:57.840 the window. So the trim is way thicker, well trim, But what 1571 02:02:57.960 --> 02:03:02.119 about the siding deciding itself is about an isn't that thick? Oh? I 1572 02:03:02.159 --> 02:03:08.920 didn't realize that. Yep. Okay. And then as far as windows were 1573 02:03:08.960 --> 02:03:15.119 talked about, alpen windows, pro va windows. What else is there truly 1574 02:03:15.199 --> 02:03:20.399 for exteriors of homes that might get people excited? There's not much doors windows? 1575 02:03:20.479 --> 02:03:25.079 Well, okay, what I'm saying is nothing new though really with doors, 1576 02:03:25.119 --> 02:03:28.359 right, I mean, there's no real tech, new technology doors or 1577 02:03:28.359 --> 02:03:30.840 doors or doors, right, not necessarily. I mean the reason we work 1578 02:03:30.880 --> 02:03:34.479 with pro va doors is they're definitely made a lot better. They'll last a 1579 02:03:34.520 --> 02:03:39.920 lot longer. When you how do you make a door different? You can 1580 02:03:40.000 --> 02:03:43.239 make a door different by, like you said, the insulation, well, 1581 02:03:43.319 --> 02:03:45.159 yeah, I can see that it is, and then the thickness of the 1582 02:03:45.399 --> 02:03:48.520 of the door itself, the steel door. Correct. Now, they used 1583 02:03:48.520 --> 02:03:55.479 to have a really big problem with southern facing steel doors burning the crap out 1584 02:03:55.479 --> 02:03:58.880 of people. I mean really, this was a real problem, like kids 1585 02:03:58.880 --> 02:04:01.960 would get third degree burns, turns firstgree burns. But what happens now? 1586 02:04:02.079 --> 02:04:06.159 I mean is it the color? Do you make them more reflective? Is 1587 02:04:06.199 --> 02:04:12.359 there any technology involved in this, any ceramic paints that can cut down on 1588 02:04:12.399 --> 02:04:15.640 the temperature build up? There is? But if you're south facing, no 1589 02:04:15.800 --> 02:04:17.439 overhang, and you want a black door and it's steel, I would not 1590 02:04:17.520 --> 02:04:20.399 recommend it. No, No, you can want you want to go to 1591 02:04:20.399 --> 02:04:25.680 fiberglass at that point. Okay, so fiberglass is not as sensitive to heat 1592 02:04:25.720 --> 02:04:29.000 at all. Correct, So they wait a minute, I didn't they make 1593 02:04:29.039 --> 02:04:34.319 an exterior door for fiberglass? Correct? Insulated? Yep, that looks like 1594 02:04:34.359 --> 02:04:38.520 wood. You can either get it. Why would you always get that? 1595 02:04:38.520 --> 02:04:41.680 Why would you ever get a metal door? Tell me that what's the difference. 1596 02:04:43.199 --> 02:04:47.359 It just depends on what you're looking for. With With fiberglass, you're 1597 02:04:47.359 --> 02:04:50.560 going to have the doors that look like wood without actually being wood. I 1598 02:04:50.600 --> 02:04:55.199 know, and that sounds like a good We sell more fiberglass doors than we 1599 02:04:55.239 --> 02:04:57.720 do steel doors now, and it's really switched. We used to be a 1600 02:04:57.720 --> 02:05:01.000 ton of steel doors and now because but they look I imagine they look really 1601 02:05:01.039 --> 02:05:06.680 good because fiberglass can mimic almost any surface correct, So you can get a 1602 02:05:06.760 --> 02:05:11.479 dark, rich wood look on that. Oh yeah, they have grains too. 1603 02:05:11.520 --> 02:05:15.279 You have furs and cedars and maples and cherries and full body alders. 1604 02:05:15.399 --> 02:05:20.000 You have naughty stuff too. You'd have to get really up close to see 1605 02:05:20.000 --> 02:05:24.800 that it's not. I'll tell you a story. We were installing a door. 1606 02:05:24.840 --> 02:05:27.520 I was with Sarren, who's one of our door meets. We're installers. 1607 02:05:28.000 --> 02:05:30.079 Guy across the street yelled at us from across the street. We couldn't 1608 02:05:30.079 --> 02:05:32.319 hear him. He came closer. He said, that looks amazing. That 1609 02:05:32.359 --> 02:05:35.560 wood is fantastic, and we said, no, it's fiberglass. Wow. 1610 02:05:35.680 --> 02:05:38.800 He said, I'm a I work with wood, and he had to come 1611 02:05:38.840 --> 02:05:42.079 up close touch it and feel it, and then he realized it was fiberglass. 1612 02:05:42.119 --> 02:05:44.800 Does it actually have a texture on the on the surface too, Yeah, 1613 02:05:44.800 --> 02:05:46.159 and the naughty alder has the knots in it. Oh, come on, 1614 02:05:46.399 --> 02:05:50.159 man, really that's pretty cool, I said, I didn't realize that 1615 02:05:50.279 --> 02:05:54.399 I would never get steel. And knowing that I would never get steel, 1616 02:05:54.680 --> 02:05:59.920 because you get it insulated, it's not hot or cold, and it's it's 1617 02:06:00.119 --> 02:06:03.640 firm as hell. Hail resistant. Wouldn't it be hail resistant? Yeah? 1618 02:06:03.680 --> 02:06:08.479 They use a lot thicker fiberglass. And then what about you can get lights 1619 02:06:08.479 --> 02:06:14.039 in them windows? Yep? Pretty much any size window you can get, 1620 02:06:14.119 --> 02:06:17.399 you know, half circles. Circles now are the entire frames and everything like 1621 02:06:17.439 --> 02:06:20.920 the side lights and all that made from fiberglass. Yep, anywhere. But 1622 02:06:21.279 --> 02:06:25.880 and it's virtually maintenance free, isn't it. It is virtually maintenance free? 1623 02:06:25.960 --> 02:06:30.319 Yeah. Do they come pre painted, you pre stained for the fiberglass. 1624 02:06:30.680 --> 02:06:32.600 Now, when you say pre stained, meaning the color of stain, it's 1625 02:06:32.640 --> 02:06:36.279 not actually stained, right, it is stained, and then it's baked on 1626 02:06:36.359 --> 02:06:42.359 almost in a kiln. Wow, man, I honest to goodness, I 1627 02:06:42.720 --> 02:06:47.039 didn't realize that they had come that far with fiberglass exterior and pro Via specifically, 1628 02:06:47.079 --> 02:06:50.319 fiberglass doors are the ones that look extremely realistic. So not only you're 1629 02:06:50.359 --> 02:06:55.159 getting an energy efficient product, but the esthetics of it is second to none. 1630 02:06:55.199 --> 02:06:57.479 Because I have a wood door, I can't keep a finish on it. 1631 02:06:57.560 --> 02:07:00.319 Now Steve the painter is going to be doing it again, and he 1632 02:07:00.359 --> 02:07:06.119 says in Colorado and I am south facing. Yeah, it's terrible. Yeah, 1633 02:07:06.159 --> 02:07:10.119 these Prova doors really, they they last. And if you're going to 1634 02:07:10.159 --> 02:07:12.760 go buy a fiberglass door at one of the box stores, it's it's not 1635 02:07:12.880 --> 02:07:15.439 gonna last. But when you have a Prova product, absolutely well. All 1636 02:07:15.520 --> 02:07:19.079 right, people give us a call three oh three seven one three talk seven 1637 02:07:19.159 --> 02:07:25.399 one three eighty five. Go with a sure thing Denver's best roofer Excel roofing 1638 02:07:25.520 --> 02:07:30.840 dot com. You don't pay a cent until you're content. Wait time for 1639 02:07:30.880 --> 02:07:35.239 an insurance check up free, no obligation. In comparison, call Compass insurance 1640 02:07:35.399 --> 02:07:40.359 paying too much your coverage at dozens of insurance companies. Find out now three 1641 02:07:40.399 --> 02:07:44.239 all three seven seven to one help. You'll think you're his only customer when 1642 02:07:44.279 --> 02:07:47.000 you choose Frank durand the real estate man dot com to list your home with 1643 02:07:47.119 --> 02:08:03.600 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine 1644 02:08:03.119 --> 02:08:07.840 three oh three seven one three talk seven one three eight two five five. 1645 02:08:09.560 --> 02:08:13.640 Steve the Painter's on we were talking about wood. Oh my god, is 1646 02:08:13.720 --> 02:08:16.800 wood a pain in the ass? Steve the Painter, What do you have 1647 02:08:16.840 --> 02:08:20.039 to say about us, sir, Well, I'd have to say that. 1648 02:08:20.439 --> 02:08:24.920 You know, back Gets had me up fifteen twenty years ago. They did 1649 02:08:24.960 --> 02:08:28.119 come out with fiberglass front doors, and they were the best doors I think 1650 02:08:28.159 --> 02:08:31.680 I've ever seen. They don't warp. Uh, they're easy. That's what 1651 02:08:31.760 --> 02:08:37.000 he's talking about. Say that again, he's talking about fiberglass front doors. 1652 02:08:37.159 --> 02:08:41.479 Yeah, well they talked about fiberglass front I didn't know that. Are he 1653 02:08:41.600 --> 02:08:45.119 talking about front front doors or overhead doors? No, he's talking about front 1654 02:08:45.159 --> 02:08:48.239 doors, front entry cars. Those are the greatest things ever. I mean, 1655 02:08:48.239 --> 02:08:52.199 they're easy to work with. Now, your front door you have to 1656 02:08:52.239 --> 02:08:56.920 have perfect conditions even to refinish it. You can't be too hot, i 1657 02:08:56.960 --> 02:09:01.680 can't have no moisture. All these variables got to I'm into effect. So 1658 02:09:01.600 --> 02:09:05.359 but your heads up. You were thinking about doing your front door possibly next 1659 02:09:05.359 --> 02:09:09.279 week if that works for you. Yeah, yeah, and I'll give you 1660 02:09:09.319 --> 02:09:11.039 the code for that if I'm not there, but I'm usually there during the 1661 02:09:11.079 --> 02:09:15.920 show. But you know, Steve listen man, you even said, no 1662 02:09:15.960 --> 02:09:20.680 matter how you do it, it'll have to be redone how often with your 1663 02:09:20.720 --> 02:09:22.640 door face in that west right there? And you don't really have a lot 1664 02:09:22.680 --> 02:09:26.560 of stuff. I think faces maybe every four years or something. I mean, 1665 02:09:26.640 --> 02:09:30.439 but look at the bottom panels. Well that would be good. But 1666 02:09:30.520 --> 02:09:35.600 I'll tell you it's it's really really amazing what sun can do to the finish 1667 02:09:35.600 --> 02:09:39.159 of a home. Now. Do they make some really they must make some 1668 02:09:39.239 --> 02:09:43.720 really good paints right now, don't they? That resists that kind of deterioration, 1669 02:09:45.039 --> 02:09:48.520 Steve, It's really not paint more of a polyurysane. Yeah, I'm 1670 02:09:48.560 --> 02:09:52.840 talking about now for siding and stuff or whatever. I don't even know what 1671 02:09:52.880 --> 02:09:54.560 you do paint nowadays on the outside of a house. When you go to 1672 02:09:54.600 --> 02:09:58.159 paint a house, what are they made of? Right now? I'm serious? 1673 02:09:58.199 --> 02:10:01.680 What are what are you mostly seeing? We're mostly seeing exterior? Well, 1674 02:10:01.960 --> 02:10:05.680 you can go to Sherean Williams, you know, but what what are 1675 02:10:05.680 --> 02:10:09.039 you painting over? What are you painting over other than the trend? We're 1676 02:10:09.079 --> 02:10:13.000 painting over hardyboards. We're just picked up a job doing hardboard siding, so 1677 02:10:13.199 --> 02:10:16.960 we'll be doing that here in another few weeks. And you just paint a 1678 02:10:18.039 --> 02:10:24.239 nextterior, good quality exterior statin paint. Don't use flat paint. It will 1679 02:10:24.279 --> 02:10:28.119 not hold up. Bat and paint beats off the water and it'll last you 1680 02:10:28.159 --> 02:10:31.520 twice as long. And how long will a paint job last in Colorado if 1681 02:10:31.520 --> 02:10:35.359 you do it really right? Well, I don't know. I have jobs 1682 02:10:35.399 --> 02:10:39.760 going on close to ten years. Really, that's a that's incredible, recommended 1683 02:10:39.800 --> 02:10:43.439 every seven, you know, seven years or so, because it really depends 1684 02:10:43.439 --> 02:10:46.720 on where you live too and cut around or if you live up in the 1685 02:10:46.800 --> 02:10:50.079 hills, oh yeah, you're you're in a sep. I always seven years 1686 02:10:50.119 --> 02:10:52.359 out of it. I always meant to ask you this. You know, 1687 02:10:52.439 --> 02:10:56.199 My Stephanie's dad was a bricklayer and mason guy, and he and he invented 1688 02:10:56.680 --> 02:11:01.279 or perfected lightweight concrete for our chitectural design and all that. He was really 1689 02:11:01.319 --> 02:11:07.079 big into stone and concrete and brick, and he used to have a CONNIPTIONI 1690 02:11:07.279 --> 02:11:11.279 literally when he saw people painting brick and Stephanie's she still does. She goes, 1691 02:11:11.319 --> 02:11:15.680 Oh my god, why why would you take a maintenance free surface? 1692 02:11:15.840 --> 02:11:18.039 Now I'm going to ask you. Have you ever had the paint? Have 1693 02:11:18.119 --> 02:11:20.920 you ever had people I want you to paint their brick? Yes, and 1694 02:11:20.960 --> 02:11:26.159 it's very expensive. Why it absorbs the hell it keeps sucks? It sucks 1695 02:11:26.159 --> 02:11:30.479 in paint, doesn't it. Oh yeah, you have to. It almost 1696 02:11:30.520 --> 02:11:33.640 happen to use a block pillar in order to prime it, and then you 1697 02:11:33.720 --> 02:11:35.199 roll two coats over the top of that. That's why you can get it. 1698 02:11:35.239 --> 02:11:39.000 But does it hold paint? Is it a I mean, it seems 1699 02:11:39.000 --> 02:11:41.720 to me you're ruining it to begin with. But does it hold paint? 1700 02:11:41.880 --> 02:11:46.159 Does it hold up better than something else you would paint? Oh yeah, 1701 02:11:46.239 --> 02:11:50.960 you'll hold up just fine. It's just that you lose the whole brick aspect. 1702 02:11:50.159 --> 02:11:52.479 Yeah, of course. And I like the I just like the brick 1703 02:11:52.520 --> 02:11:56.079 aspect. Leave it alone. You'll never have to worry about your power. 1704 02:11:56.159 --> 02:11:58.119 Wash it and you're done. Now we were talking about stucco, and I 1705 02:11:58.199 --> 02:12:05.000 know Mark over at Genesis Total Experience, he talks about the top coat the 1706 02:12:05.079 --> 02:12:07.920 hard coat having color built in it. But I imagine you have to go 1707 02:12:09.039 --> 02:12:13.399 repaint stucco from time to time after some years. Is that only if they 1708 02:12:13.439 --> 02:12:18.600 want to change the color or have you seen stucco need paint? No, 1709 02:12:18.760 --> 02:12:22.199 repainted a house in golden and it meant the same color. But you use 1710 02:12:22.239 --> 02:12:26.840 a special paint for stuccle. You have to tell the people at the paint 1711 02:12:26.880 --> 02:12:31.479 store you're using this un stucco. And what's different about the paint for stucco. 1712 02:12:31.760 --> 02:12:35.199 It has more vehicle to it, It has a lot more bonding units 1713 02:12:35.199 --> 02:12:39.439 to it. So what happens to the original stucco if the hard coat has 1714 02:12:39.479 --> 02:12:43.039 paint built in? Does it leach out? Does it fade? What does 1715 02:12:43.079 --> 02:12:46.880 it do? Over time? It will fade? Yeah, because the way 1716 02:12:46.880 --> 02:12:50.359 they do it with stucco is that you know, you got the stucco, 1717 02:12:50.399 --> 02:12:52.800 but they had they add a pigment to it. So you you get your 1718 02:12:52.800 --> 02:12:56.560 stucco, they had pigment to it. They mix it in a big mixer 1719 02:12:56.960 --> 02:13:01.199 and then they trial it on. There's your color you need. But okay, 1720 02:13:01.199 --> 02:13:07.920 time it will face. Okay. So as far as uh, the 1721 02:13:07.920 --> 02:13:11.680 the stucco itself, though it's pretty hardy, and it takes paint very well. 1722 02:13:13.479 --> 02:13:16.239 Oh yeah, oh yeah, you'll hold up forever long as long as 1723 02:13:16.319 --> 02:13:20.600 is that that newer stucco. I mean, even even it's hail won't even 1724 02:13:20.680 --> 02:13:22.920 damage that. Now, is there anything that you can do for people that 1725 02:13:24.000 --> 02:13:28.399 want to change the color of windows, like if it's a vinyl window, 1726 02:13:28.560 --> 02:13:33.680 No, nothing that I saw. Nothing really holds up, does it. 1727 02:13:33.079 --> 02:13:37.880 But fiberglass holds paint pretty well, doesn't it. Yes, yeah, you 1728 02:13:37.920 --> 02:13:41.680 could prime it. You prime it with again a special primer, then you 1729 02:13:41.680 --> 02:13:45.600 could do that. But any vinyl window, Uh, come, if you 1730 02:13:45.680 --> 02:13:48.840 remember right years ago you had a lady in Highlands Ranch that the guy went 1731 02:13:48.880 --> 02:13:54.520 out there whether he say you're you're something about a dog chasing a dog bone 1732 02:13:54.600 --> 02:13:56.680 or something. Oh yeah, yeah, I remember that guy. Yes, 1733 02:13:58.039 --> 02:14:01.000 yeah, yeah, that guy. His name was Kaylin and he yeah, 1734 02:14:01.159 --> 02:14:03.560 I know, it was a long story, but anyway she called it. 1735 02:14:05.439 --> 02:14:09.920 Anyway, his paint or painted the vibal windows. It was already pilling off 1736 02:14:09.960 --> 02:14:13.640 before they even finished the job. Yeah, it doesn't work. Now. 1737 02:14:13.159 --> 02:14:16.760 Somebody just texted me knowing you're on the on the phone here. They they 1738 02:14:16.760 --> 02:14:24.039 want to know what paints or colors chalk now people, we've mentioned that at 1739 02:14:24.119 --> 02:14:28.840 least three times today's show. Chalking is where you get this powdery look on 1740 02:14:28.880 --> 02:14:31.399 the outside and you can almost when you put your finger on it, you 1741 02:14:31.399 --> 02:14:35.000 can it is almost like a chalk. What causes that? Are there paints 1742 02:14:35.319 --> 02:14:41.840 that are there cheaper paints or different color paints that will chalk no almost any 1743 02:14:41.880 --> 02:14:46.760 pain to do it, but certain colors because the pigment will do it quicker, 1744 02:14:46.039 --> 02:14:52.239 like greens, blues, yellows, burgundy colors. Those colors fade very 1745 02:14:52.319 --> 02:14:56.960 fast and they overtime they chalk. And what it's killing you is that you're 1746 02:14:58.000 --> 02:15:01.319 ready for another paint. Jo And what is talking really is it? Is 1747 02:15:01.359 --> 02:15:05.359 it a deterioration of the outer coat. Yes, it's starting to fail. 1748 02:15:05.600 --> 02:15:09.520 And once it goes beyond that, then it starts going into the siding. 1749 02:15:09.880 --> 02:15:15.880 It starts the siding starts really deteriorating. Then it gets into the top layer 1750 02:15:15.920 --> 02:15:18.399 of the siding. And now you have a serious problem because now you're not 1751 02:15:18.560 --> 02:15:22.039 only painting, but you have sighting replacement. Someone else wants to know about 1752 02:15:22.079 --> 02:15:28.640 a fence they have that's iron and they want to uh redo it? Now 1753 02:15:30.119 --> 02:15:33.199 does that have to be done? There was what kind of paint takes to 1754 02:15:33.279 --> 02:15:39.359 iron. Now they have it's almost materials now come out waterborn. It's a 1755 02:15:39.399 --> 02:15:45.079 water born product. Back in the day they used to use oils and now 1756 02:15:45.199 --> 02:15:48.880 because of EPA they've gone to a water borne unit and it's it's a polyure 1757 02:15:48.960 --> 02:15:52.239 thing. Is it good? And oh yeah we did it. We did 1758 02:15:52.279 --> 02:15:58.680 a commercial building in Aurora, all these iron handrails and columns. Yeah. 1759 02:15:58.760 --> 02:16:01.439 And to this day, that was ten years ago and this still looks good. 1760 02:16:01.560 --> 02:16:03.920 Wow, I was amazed. You wash a brush up with water. 1761 02:16:05.239 --> 02:16:07.720 That's all it is. Okay, Steve Star Quality Painting. Give out your 1762 02:16:07.760 --> 02:16:13.800 numbers since you're on go ahead, oh office phone number three oh three nine 1763 02:16:13.920 --> 02:16:18.680 four eight eight seven six y five star Quality. They're on our referral list 1764 02:16:18.680 --> 02:16:24.439 at referrals dot com. More with KNH after this, go with a sure 1765 02:16:24.560 --> 02:16:28.079 thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until 1766 02:16:28.119 --> 02:16:35.639 you're content. Time for an insurance check up free, no obligation comparison call 1767 02:16:35.760 --> 02:16:41.760 Compass Insurance pain too much your coverage at dozens of insurance companies find out now 1768 02:16:41.799 --> 02:16:45.639 three oh three seven seven to one help. You'll think you're his only customer 1769 02:16:45.680 --> 02:16:48.280 when you choose Frank durand the real estate man dot Com to list your home 1770 02:16:48.520 --> 02:16:56.760 with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom 1771 02:16:56.760 --> 02:17:01.799 Martine here THREEO three on three Talk three oh three seven one three eight two 1772 02:17:01.879 --> 02:17:07.159 five five. Welcome to the show. By the way, I also wanted 1773 02:17:07.159 --> 02:17:13.200 to mention that Michael mentioned during the break and K and H does do bathrooms 1774 02:17:13.280 --> 02:17:16.239 now? Are you guys going to do more and more interior stuff? Are 1775 02:17:16.239 --> 02:17:20.559 you going to stick to the exteriors and just bathrooms are just one of the 1776 02:17:20.559 --> 02:17:22.399 things you're doing? Or what are you what are your plans? You know, 1777 02:17:22.479 --> 02:17:24.920 I don't know for sure. I mean we're we're the experts at the 1778 02:17:24.920 --> 02:17:28.559 exterior of the house, and we took on the wet area, so the 1779 02:17:28.600 --> 02:17:31.879 bathroom, the tub this year. Yeah. As far as the plans for 1780 02:17:31.000 --> 02:17:35.719 more interior stuff, I'm not sure if that's on the plate, But exterior 1781 02:17:35.840 --> 02:17:41.239 is more. Do you still do Do you guys still do screens? You 1782 02:17:41.360 --> 02:17:45.040 used to do a lot of that. We will rescreen windows, especially if 1783 02:17:45.079 --> 02:17:48.200 you bought them from us. Yeah, yeah, absolutely, you could bring 1784 02:17:48.239 --> 02:17:50.799 them into the office, we'll rescreen them, or we can send our guys 1785 02:17:50.799 --> 02:17:54.840 out there to rescreen. Somebody else texted me asking about what they call a 1786 02:17:54.920 --> 02:17:58.799 vanishing screen door. I say, get rid of it. Their pieces a 1787 02:17:58.879 --> 02:18:01.959 junk, that's my opinion. But those roll up verticals are they still even 1788 02:18:03.000 --> 02:18:05.120 around? They're here and there, but they are They fall apart really quickly, 1789 02:18:05.319 --> 02:18:09.840 they really do. They just don't hold up, and dust and debris 1790 02:18:09.920 --> 02:18:13.440 gets in that screen and when you roll it up, it gets into the 1791 02:18:13.639 --> 02:18:18.040 mechanism. I've never I mean the idea at first it was really like a 1792 02:18:18.120 --> 02:18:22.799 wow, you know, like the toothpaste pump, but it just didn't stick 1793 02:18:22.840 --> 02:18:26.399 around. Pro Via used to carry one and they stopped carrying it because they 1794 02:18:26.399 --> 02:18:31.399 had issues with it exactly. I mean, it's okay. And then sliding 1795 02:18:31.440 --> 02:18:37.719 glass doors, can they be replaced easily for more of a French door? 1796 02:18:37.840 --> 02:18:41.520 Do you have just like can you like just just replace it or does you 1797 02:18:41.559 --> 02:18:45.959 have to do a lot of modification? No, you can absolutely replace a 1798 02:18:45.959 --> 02:18:50.840 sliding patio door with the French or vice versa. The size. Any aren't 1799 02:18:50.840 --> 02:18:54.000 sliding doors more old hat or people love them? So people still like them. 1800 02:18:54.040 --> 02:18:58.440 They're more energy efficient and they create more of a space in your house. 1801 02:18:58.440 --> 02:19:01.600 When you have a friend store. If it's all you're in, you're 1802 02:19:01.639 --> 02:19:03.360 gonna lose a little bit of space all right by the way. When they're 1803 02:19:03.360 --> 02:19:05.719 not here, you can go to cach Windows dot com three oh three, 1804 02:19:05.799 --> 02:19:11.959 four to one seventy one hundred and remember I'm at three oh three Martino twenty 1805 02:19:13.000 --> 02:19:16.079 four to seven. Leave a message and we will get back to three oh 1806 02:19:16.120 --> 02:19:20.159 three six two seven eight four sixty six. Save all your problems for me.