Speaker 1: Yeah, ripped off, bad news, you need advice.
Speaker 2: So you don't have.
Speaker 3: Come running.
Speaker 4: It's just as fast as we can. Shooter's gonna help coming.
Speaker 5: Man.
Speaker 2: This is the Troubleshooter Show.
Speaker 6: No Tom Martinez, Welcome, Welcome, my friends to the only
Speaker 6: show if it's kind.
Speaker 2: We're here to solve problems, answer questions, take complaints. Here's
Speaker 2: the bottom line. If you've been ripped off or taking
Speaker 2: advantage of, or just have a problem, maybe something's bruin
Speaker 2: in your brain right now and you want some advice,
Speaker 2: this is the place for you. Whether it's a bad
Speaker 2: contractor whether it's what kind of Internet should I get?
Speaker 2: Doesn't matter what it is. We are here for you
Speaker 2: to pick our brain. We always have experts in studio
Speaker 2: with us. Today I am proud to say I've got
Speaker 2: Frank Durand the real estate man, a good friend of mine. Frankie,
Speaker 2: how are you doing?
Speaker 7: I am well friend, Good to see you. Good morning
Speaker 7: to you.
Speaker 2: I have not seen you in three to four weeks,
Speaker 2: so it's good seeing you again. We also have Stephanie Thomas. Stephanie,
Speaker 2: how are you doing? She is our realtor extraordinary in
Speaker 2: Colorado Springs. I'm great, How are you. I'm doing very
Speaker 2: good this morning. And then John Clace CMG Home Loans.
Speaker 2: Very curious guy. Unlike a lot of people we've talked
Speaker 2: about in the past, John, you actually work for the bank,
Speaker 2: which I actually love we do.
Speaker 8: We have direct access to everything we do in the
Speaker 8: house and proprietary lending programs also.
Speaker 2: And then for people listening on our podcast, you can
Speaker 2: loan around the country. We can do all states, every
Speaker 2: single state. You can do whatever. I mean, it doesn't
Speaker 2: matter traditional thirty or mortgages fifteen, the all in one loan,
Speaker 2: you can do reverse mortgages. You've got a plethora of
Speaker 2: products we do.
Speaker 8: We can do pretty much. If you have a lending need,
Speaker 8: we should be able to do it.
Speaker 2: Do you do a lot of stuff? Were the realtors
Speaker 2: out of curiosity?
Speaker 8: We do well, you know, obviously they're they're they're they're
Speaker 8: a lifebread of the real estate industry, so we'd love
Speaker 8: to do it, you know for people out there, I mean,
Speaker 8: and Frank and Stephanie can do I mean, you pretty
Speaker 8: much have to get pre qualified before you go looking
Speaker 8: for properties these days.
Speaker 2: And you guys were talking about new home buyer stuff.
Speaker 2: We're gonna dig into that today. By the way, we
Speaker 2: do have lines open. I want to hear from you.
Speaker 2: Three oh three seven one three eight two five five
Speaker 2: three zero three Martino, any question comment you got, We'd
Speaker 2: love to hear from you. Three zero three seven one
Speaker 2: three eight two five five tariffs. Wow, John, you're kind
Speaker 2: of a money guy. I'll pick your brain. Frank and
Speaker 2: Stephanie two. I guess Trump just slapped another twenty five
Speaker 2: percent and brought it up to fifty percent on aluminum
Speaker 2: in steel coming in from Canada. The guy from Ontario
Speaker 2: is threatening to cut off power I guess to New
Speaker 2: York in some parts of Pennsylvania. I didn't even realize
Speaker 2: we got that much power from these guys. Can you
Speaker 2: imagine if they did that? Can you imagine.
Speaker 7: Playing a dangerous game of chicken?
Speaker 8: Mark?
Speaker 2: I would not play chicken with Trump in a million years.
Speaker 2: I do not see this guy back and down. He's
Speaker 2: dealing with China, he's dealing with Mexico. And if Canada
Speaker 2: is trying to set the pace on this, they're absolutely crazy.
Speaker 2: I don't think people realize this. If he starts tariffing
Speaker 2: the auto parts, their entire industry's pretty much gone. That's
Speaker 2: pretty much what they do that auto parts employees, I
Speaker 2: think more people than anybody there. I didn't realize they
Speaker 2: teariffed us as well, like two hundred and fifty percent
Speaker 2: on dairy and all these tariffs they have on us.
Speaker 2: The trade in balance is crazy. This number is probably old,
Speaker 2: but it was like three hundred and fifty billion to
Speaker 2: one hundred billion or something around there. I mean, completely
Speaker 2: upside down. I don't know what people's thoughts on it are.
Speaker 2: I'll tell you what. Watching the stock market, Wow, is
Speaker 2: it gut wrenching.
Speaker 8: Yeah, nobody really knows which way it's gonna go and
Speaker 8: how long will take. I mean I think people I
Speaker 8: think it's gonna level out. Oh I do too. I
Speaker 8: think people. You know, we needed to change, that's for sure.
Speaker 2: Oh my god, joh. We had to have a change.
Speaker 2: We were basically going broke. I mean, we simply couldn't
Speaker 2: afford it. One of the things Elon figured out through
Speaker 2: Doze was, you know, just our debt payment is basically
Speaker 2: the same amount we spend on security, I mean really
Speaker 2: on the military, on everything. I mean, that's an incredible
Speaker 2: amount just on the debt service interest alone.
Speaker 8: It is insane, and that you know this terriff, will
Speaker 8: see if it turns around. But I think it's more
Speaker 8: we want them to bring tariffs down against us.
Speaker 2: I think, don't you think in general, guys, it would
Speaker 2: be fair if someone tariffs you ten percent, you tariff
Speaker 2: from ten back, five to five, ten to ten, twenty
Speaker 2: to twenty, or you make a deal because maybe it's
Speaker 2: something you don't have and something they have. Plenty of
Speaker 2: vice versa. So there's different ways to do trade, evenly.
Speaker 2: But when we look at some of these trades, I
Speaker 2: didn't realize, like Germany, on a lot of cars we
Speaker 2: bring in there, there's a ton of money they tariff us,
Speaker 2: and people say, well, it's not as much as you're
Speaker 2: making out, but yeah, if you factor in the luxury
Speaker 2: tax and all these other fees and taxes and everything
Speaker 2: else they have, which you're pretty much like a tariff,
Speaker 2: it's absolutely insane. It is insane. But the stock market
Speaker 2: is just god. I can't believe what a wild ride
Speaker 2: it is.
Speaker 7: Mark, have you ever read Art of the Deal?
Speaker 2: I have not read it, Frank, And if anybody in
Speaker 2: the world should have read it by now, it's me,
Speaker 2: But I have not read it.
Speaker 7: Have you great book?
Speaker 9: I have.
Speaker 10: Well, I read it on audio because when I drive
Speaker 10: I listen to books a lot. But great book in depth.
Speaker 2: All right, well, give us some insight on it. So
Speaker 2: like what we're seeing right now, just let's just take Canada.
Speaker 2: Are we watching it unfold right in front of us? Well?
Speaker 10: Trump, you know in the book he talks a lot
Speaker 10: about keeping his options open. He would he would talk
Speaker 10: about that a lot, and he would use the law
Speaker 10: of time pressure. That's one of the negotiating tactics in
Speaker 10: a real negotiation.
Speaker 7: So well you use that, yeah, And he would use
Speaker 7: the law of time pressure very well.
Speaker 2: Explain what that is to people. I mean basically, you
Speaker 2: put him up, I need an answer by two.
Speaker 10: Yeah, right, And so basically three key nerve points of
Speaker 10: a negotiation or time pressure, information power, walkaway power. So
Speaker 10: he's very skilled at positioning himself in those negotiations where
Speaker 10: he has all three of those in quite abundance. So
Speaker 10: he might say something like like in the book, he
Speaker 10: talks about he was negotiating something and somebody says, well,
Speaker 10: I need to talk to a higher up person. He
Speaker 10: would try to take that person's resort to hire authority
Speaker 10: away to negotiate directly. With that person, put put a
Speaker 10: time pressure on him, and many times you get a
Speaker 10: better deal that way.
Speaker 2: But what do you mean he tried to That made
Speaker 2: me think of like when you go in to buy
Speaker 2: a car. You know, you're buying a car, and exactly goes, hey,
Speaker 2: I got to go negotiate and ask my manager. Yes,
Speaker 2: And really, what you think is he's going into the
Speaker 2: back room and you know, you know, playing a game
Speaker 2: of checkers, having some car. Then he comes out. I mean,
Speaker 2: is that what you're saying?
Speaker 7: That's exactly what But who are.
Speaker 2: You taking it away from? You're telling him, don'co talk
Speaker 2: to the other guy I want to deal.
Speaker 7: With because that's one of the rules in the negotiation.
Speaker 10: A lot of people will say I got to go
Speaker 10: to my manager, the result of what's called higher authority.
Speaker 10: Trump was a master at taking that away and directly
Speaker 10: negotiating with the person.
Speaker 7: Yeah, the person that claimed you how to go to
Speaker 7: the higher thority.
Speaker 2: Oh, I see what you're saying. Hey, I don't care
Speaker 2: what your boss has got to say. I want to
Speaker 2: make a deal with you. Exactly. So what's another good example.
Speaker 10: Oh gosh, he talks so much in this book. Boy,
Speaker 10: I'm trying.
Speaker 11: Mark.
Speaker 10: It's been a few years since I've read that book,
Speaker 10: but I would say that the law of walkaway power
Speaker 10: Trump when a deal no longer makes sense to him.
Speaker 7: He's not afraid to walk away. To walk away, You're
Speaker 7: like that, Mark, You're like that.
Speaker 10: I've seen you in negotiations where you're not afraid to
Speaker 10: walk away, and that actually puts pressure on the other
Speaker 10: person that they're pressed to make a sacky I.
Speaker 2: Think he did that. God, I'm going way back, but
Speaker 2: I'm pretty sure.
Speaker 8: Yeah.
Speaker 2: I don't think he was in North Korea. He might
Speaker 2: have been Yea, but I think he literally got up
Speaker 2: and left on the little rocketman Kim Jong Ung. I mean,
Speaker 2: like literally they were there. I doubt he went to
Speaker 2: North Korea, but wherever then, I doubt they met in
Speaker 2: South Korea. They might have met in China somewhere, but
Speaker 2: I thought they were somewhere and something was going on
Speaker 2: and Trump was like later because no other world leader,
Speaker 2: I mean, for the most part, would ever even talk
Speaker 2: to this guy, at least in the Western very bold.
Speaker 2: It is very bald. So you got walk away, you
Speaker 2: got time. Yeah, it's kind of nuts. I'm just watching
Speaker 2: the sausage being made can get to you a little bit.
Speaker 2: You got to agree with that, John, I mean, we're
Speaker 2: not we're kind of used to Biden and Biden. We
Speaker 2: wouldn't know anything. I mean literally, we would know absolutely nothing.
Speaker 2: And I think we found out that it really wasn't Biden.
Speaker 2: I think I read that everything was robo signed or
Speaker 2: I mean, I don't know how true that stuff is,
Speaker 2: but I mean, really regards, listen to what we never
Speaker 2: seen anything in front of us unfold like this, and
Speaker 2: it can be h It can be a little much
Speaker 2: watching the sausage being made.
Speaker 8: And I think that's why the market's doing what it's doing.
Speaker 2: It is people don't know what to think about it.
Speaker 2: And you got to think long term, if we actually
Speaker 2: bring all the jobs back. First of all, I don't
Speaker 2: think there's gonna be a terrafor for that long. But god,
Speaker 2: I don't know. I mean, when that guy from Ontario
Speaker 2: steps in and basically says we're gonna go ahead and
Speaker 2: cut the power off, I'm like, what the hell? I'd mean,
Speaker 2: Manhattan talks about an escalation. Can you even how do
Speaker 2: you think we would respond to that? Honestly? How do
Speaker 2: you respond? And then I don't even know this. Can't
Speaker 2: we just switch that over to our own grid? I mean,
Speaker 2: are these people like legitimately out of power? I would
Speaker 2: find that extraordinary.
Speaker 8: That would be hard to believe. But I'm sure they
Speaker 8: would have to do like California.
Speaker 2: And does the.
Speaker 8: Rolling have to do something you know type thing?
Speaker 2: I have no idea how that would work if they
Speaker 2: cut it off. All right, I got to take a break.
Speaker 2: We've got three lines open. I do want to hear
Speaker 2: from you on any of this, and then, of course
Speaker 2: your problems. What we do at heart is dig in
Speaker 2: and try to get your money back. Exposed to bad guys,
Speaker 2: give you realizations three zero three seven one three talk.
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Speaker 13: You don't pay a cent until you're content.
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Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: all three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five. We would love to hear from you. We
Speaker 2: got a full house. We also have Deputy D gonna
Speaker 2: show up. I guess he's I don't know if he's
Speaker 2: coming in. Susanna's Deputy D. Yup, yup, yup, yup? Uh
Speaker 2: three zero three seven one three a two five five.
Speaker 2: Let me ask you guys about this. Oh, let me
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Speaker 2: And this is only through Easter, so I mean you
Speaker 2: got some time for sure, but that is a heck
Speaker 2: of a deal. Check him out at waterpros dot net.
Speaker 2: That'swaterpros dot net. Now let's talk real quick about Elon Musk. Guys,
Speaker 2: I want opinions on it. John, It appears is I
Speaker 2: mean Tesla stock. I own a bunch of it. Luckily
Speaker 2: I'm in around one hundred and ten bucks on most
Speaker 2: of it, but I definitely have bought some at higher
Speaker 2: than that. Wow, is it getting hit? It was at
Speaker 2: four eighty now it's down for whatever reason. It's doing
Speaker 2: a little better today. But do you think it's fair
Speaker 2: he's getting punished for this. People are firebombing, fire bombing,
Speaker 2: like charging stations, molotov cocktails. I think right here in Lovelander,
Speaker 2: somewhere some dealership, somebody was trying to set a bomb
Speaker 2: off or something. Something happened.
Speaker 8: Yeah, that was National News. They said they've hit him
Speaker 8: like three times.
Speaker 2: Yeah, I mean, it's crazy in their hate Dimitri, and
Speaker 2: they're punishing this guy big time on it.
Speaker 8: Yeah, it's it's kind of the opposite of what you
Speaker 8: see when let's just say the black lives matters, it's,
Speaker 8: you know, your violence. We're trying to get away from
Speaker 8: the violence. And you know it's terrible.
Speaker 2: Well, the Democrats lead this. I mean it's had pro
Speaker 2: uh you know, pro resistance. I mean, look what happened.
Speaker 2: Uh it wasn't the State of the Union, but whatever
Speaker 2: they call the first one, the meeting with Congress, the
Speaker 2: Joint Session. You know that guy got up. I forget
Speaker 2: whatever who he was, but you know, he just didn't
Speaker 2: want anybody talking but him and got up and screamed
Speaker 2: and got censured eventually.
Speaker 8: Don't you think it's crazy that, you know, the environmentalist
Speaker 8: what three four years ago, tesla, tesla, tesla, oh, and
Speaker 8: all that he's finding. They loved him this side. They
Speaker 8: just completely switched. But nothing different with the car.
Speaker 2: Well, same thing they did to Vance. Advance was their
Speaker 2: sweetheart years ago. Vance didn't like Trump at all, and
Speaker 2: he was the sweetheart. I mean, big time.
Speaker 8: But it's it's amazing how they flipped. And I think
Speaker 8: the stock's probably up today. Trump said he went out
Speaker 8: and bought a Testa.
Speaker 2: One ie one. So we've got one on order. But
Speaker 2: I'm going, like, I almost wonder if you give up
Speaker 2: to two hundred and fifty bucks and wait a little bit.
Speaker 2: But then with the terriffs coming from Canada, I start thinking,
Speaker 2: I start thinking this, my guy, Tesla might be the
Speaker 2: only affordable car here. So, I mean, it's kind of
Speaker 2: a it's got you're over there smiling. Tomitree joined in
Speaker 2: on that, what do you make of this beating of
Speaker 2: Elon Musk right now? I mean, they're they're beating them up, man.
Speaker 2: People are afraid to invest in them. They're fireballing stuff in.
Speaker 2: All he's doing. All he's doing is going into government
Speaker 2: and cut. It's absolutely amazing to me that even Democrats
Speaker 2: I can't understand why. I mean, I guess some of
Speaker 2: them want, you know, a transgender play in Europe or
Speaker 2: whatever the hell all this weird money from USAID was
Speaker 2: going to. But the majority of them don't. I understand
Speaker 2: some of them do, but I mean, I just don't
Speaker 2: get this beating up on Musk.
Speaker 14: Yeah, it's not surprising, right, I Mean, we've been dealing
Speaker 14: with a really hysterical minority all these years, and they
Speaker 14: truly are a tiny, tiny minority.
Speaker 2: But boy, are they laughed.
Speaker 8: Well, yeah, that's.
Speaker 14: Exactly why we a lot of us wonder in the
Speaker 14: impression where that there were a lot more of them.
Speaker 14: And that's underscored by the number of politicians on the
Speaker 14: left side that are pandering to what turned out to
Speaker 14: be a tiny and probably insignificant minority, as we'll soon
Speaker 14: find out.
Speaker 2: I used to say that to Tom all the time.
Speaker 2: He says, everybody over here is saying there's no way
Speaker 2: Trump can win, and there's no way Joe Biden's going
Speaker 2: to step down. And I'm like, who are these people
Speaker 2: you're listening to? Because as I travel the country, whether
Speaker 2: it's California or Montana, or New Mexico or Wyoming, California,
Speaker 2: Las Vegas, Georgia, all these places Suzanna and I were
Speaker 2: in last year, multiple times, everybody was Trump, Trump, Trump.
Speaker 2: So you're right, it is a small minority. But the
Speaker 2: voices are so loud, and they're so you know, people
Speaker 2: laugh at me all the louder he is, the writer
Speaker 2: he is. But there is some truth to that. I mean,
Speaker 2: they are very loud and vocal.
Speaker 14: I mean that's the hallmark of hysterical people, right, I mean,
Speaker 14: that's actually the origin of the term hysterics, and so
Speaker 14: that's why they've been so loud and so visible. But frankly,
Speaker 14: I think we'll find them to be less and less
Speaker 14: significant in the coming months.
Speaker 2: I think the economy is going to start turning. I
Speaker 2: mean it could be three weeks. It depends how this
Speaker 2: tariff goes. And when I say the economy, I mean
Speaker 2: that in general, the stock market. I think interest rates, John,
Speaker 2: this is what you do for a living. Where do
Speaker 2: you see enter straits?
Speaker 8: Yeah, we've seen them just even drop this week, come
Speaker 8: down a little bit.
Speaker 2: What are they at? Six and a half?
Speaker 15: Six?
Speaker 8: Six and a half sound maybe a little bit lower,
Speaker 8: depending on what.
Speaker 2: The high you guys remember, including you guys, I mean,
Speaker 2: did we ever see over eight? Was that? Were you
Speaker 2: closing loans at eight or now?
Speaker 8: Yeah, we closed seven and a half close to eight,
Speaker 8: but it never really got above eight, but didn't get
Speaker 8: below seven for a while. So seven and a.
Speaker 2: Quarter six and a half's good.
Speaker 8: Six and a half is good for right now. It's
Speaker 8: been good. I mean, and you know the way this
Speaker 8: market moves, it could go right back to seven.
Speaker 2: What's your crystal ball? Say? And say, I don't know,
Speaker 2: I don't know three months, which you know, what does
Speaker 2: it say we.
Speaker 8: Should get the rate cut the you know, the fad
Speaker 8: they should they should do a quarter now with what's
Speaker 8: going on, they should do a you know, because the
Speaker 8: job market came a little weaker.
Speaker 2: So yeah, it wasn't that bad.
Speaker 8: Though, it wasn't that bad.
Speaker 2: Those numbers weren't bad. I wonder how people are gonna
Speaker 2: panic when the government numbers come in.
Speaker 8: Well, then that's kind of what they're talking about, is
Speaker 8: those numbers. But so I think six and a half.
Speaker 8: You oh, you may creep down to six on a quarter,
Speaker 8: but you won't get money. You know, they're not going
Speaker 8: to do Do.
Speaker 2: You know anybody that works for the FEDS personally personally? No,
Speaker 2: no m tree to you. Uh like in the federal government,
Speaker 2: not no of the mad Do you know anybody who's
Speaker 2: got a FED job? Not no of them, but know them?
Speaker 14: Oh no, I just I just have an acquaintance who
Speaker 14: had a very responsible job in a in the Social
Speaker 14: Security Inspector General's office.
Speaker 2: I mean it's his job. Okay.
Speaker 14: He retired at a very young age a few years ago,
Speaker 14: and uh, he made a ton of money.
Speaker 2: And he wasn't affected by any of this. No, No,
Speaker 2: he's currently.
Speaker 16: Anybody in the federal government. I don't know any.
Speaker 2: Frank, do you know anybody not that I could think of,
Speaker 2: Mark Stephanie.
Speaker 11: No.
Speaker 2: I mean I've got clients that are It was remarkable.
Speaker 2: My parents, who are pretty big liberals, actually made the
Speaker 2: comment to me, Oh, you don't know anybody in the
Speaker 2: federal government. And I turned around the question on them
Speaker 2: and I said, who do you know that works for
Speaker 2: the Fed? And they couldn't name one person. They could
Speaker 2: name one person that retired years ago, but other than that,
Speaker 2: they're like, Oh, don't you feel bad. I'm like, some
Speaker 2: of these people haven't showed up for work apparently forever.
Speaker 16: They do a really great job staying invisible, staying off
Speaker 16: the radar.
Speaker 2: All they had to do was answer an email and
Speaker 2: then possibly go back to work. What's the big deal
Speaker 2: when Facebook, when Meta called everybody back, when Google called
Speaker 2: everybody back, But when Trump calls everybody back? And these
Speaker 2: are people we pay that you know, ultimately we're the
Speaker 2: ones that create their payroll. And I like seeing them
Speaker 2: go to work.
Speaker 14: Yeah, that's the definition of an entitled, entitled mindset is
Speaker 14: you're not even you're put out by the mere request
Speaker 14: to say what you did last week? It's just you know,
Speaker 14: a couple of sentences, what did you do last week?
Speaker 16: And they're completely bent out of shape about that request.
Speaker 14: You know, most of us would be proud of it, right,
Speaker 14: we proudly answer an email like that.
Speaker 2: I absolutely love talking about this stuff. I honestly, God
Speaker 2: do gonna get hate mail though on it. But yet
Speaker 2: you know, and now there's no doubt about it. But
Speaker 2: if you really truly do have a problem or question,
Speaker 2: or you want to tell us about something you need
Speaker 2: help with three zero three seven one three eight two
Speaker 2: five five. I want to pick Dmitri's brain on Ukraine
Speaker 2: when we come back.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 2: Reo three seven one three eight two five five. I
Speaker 2: got to beat up to meet Tree a little bit here.
Speaker 2: So I'm going to tell a story. And this all
Speaker 2: came about because I'm getting to Kolonosky after the show.
Speaker 2: Like I said, a little TMI, but you know what,
Speaker 2: I think it's important to talk about, and I'm going
Speaker 2: to tell you why. The best man at our wedding,
Speaker 2: Don Williams, died from colon cancer. And before he died,
Speaker 2: when he was on his deathbed, he had about two
Speaker 2: or three years of struggling. That was crazy. He called
Speaker 2: me up. He lived in well Rosie, Delaware, somewhere on
Speaker 2: the East coast when he passed, but we went out
Speaker 2: to his funeral. It was just heart wrenching. He's my age.
Speaker 2: I grew up with the guy. So he called me up, Dmitri,
Speaker 2: and I'm telling you this for a reason, and he said,
Speaker 2: the one thing you have to do, he goes. I
Speaker 2: was afraid to do it. I never got a kolonoskby
Speaker 2: I just kept putting it off, and then I started
Speaker 2: having symptoms. I don't know what the symptoms were. I forget.
Speaker 2: He did describe him he had problems going to the bathroom.
Speaker 2: He had all kinds of problems, but he waited until
Speaker 2: the problems came and it was too late, stage four,
Speaker 2: and he said, no matter what you do, get out
Speaker 2: there and do this. And this was roughly middle of COVID,
Speaker 2: probably middle of COVID, maybe a year. And he told
Speaker 2: me that, and I was just turning fifty, and so
Speaker 2: it was three years ago. So I immediately immediately scheduled
Speaker 2: mine and I ended up getting like a month early.
Speaker 2: Funny enough, though, Kaiser now starts at forty five, not fifty,
Speaker 2: because too many people are having trouble waiting till fifty.
Speaker 2: So I went in and I did have polyps. And
Speaker 2: what I learned is if you have polyps, they cut
Speaker 2: them off. They're gone. They do it all in the
Speaker 2: same procedure, and the bottom line is if they didn't
Speaker 2: turn cancerous, you're fine. I mean, that's it. They got
Speaker 2: rid of it. It's done, and there's absolutely no pain
Speaker 2: to it. But when you told me your age and
Speaker 2: the fact you've never had one and you rely on
Speaker 2: blood tests, I'm going to tell you story number two.
Speaker 2: We know someone very well, Susanna, and I not only
Speaker 2: relied on blood test for a colonoscopy. One of them
Speaker 2: actually did this. You take a sample and you send
Speaker 2: it in. It's called cola guard. Yeah, that's what I
Speaker 2: just got signed up for. Yep. They took coli guard
Speaker 2: and the col of guard came back fine, negative, no problem.
Speaker 2: Two years later, roughly two years later, stage two or
Speaker 2: three colon cancer. It didn't find it. It was there
Speaker 2: the whole time and Coli guard missed it. And we
Speaker 2: were just told by our doctor. What did they tell
Speaker 2: us about that? Not only a week ago? In Kaiser? Yeah,
Speaker 2: the nurse said, a couple of weeks ago, I went
Speaker 2: in for my first colonoscopy, getting ready for my second.
Speaker 9: Now.
Speaker 11: But I said, hey, I did that collar guard thing
Speaker 11: a couple of years ago.
Speaker 2: It came back good.
Speaker 7: She goes, Oh, the only thing that finds is hemorrhoids.
Speaker 2: She liked, just poop poo the whole thing. Noticed my
Speaker 2: little play on words there, poopoo the whole thing. But
Speaker 2: you get what I'm saying. It's ridiculous, man. You have
Speaker 2: to get and that goes for anybody listening out there.
Speaker 2: I don't care what age you are. After losing Don
Speaker 2: Williams like that and then having a good friend of ours.
Speaker 2: Now thank god, she's doing okay. I think she's good actually,
Speaker 2: but that doesn't mean anything for a lifetime. I mean,
Speaker 2: I hope she's good forever. But you know, no one
Speaker 2: wants it. It can always come back and it can
Speaker 2: always pop up. So I mean, you know, it's cancer.
Speaker 2: Who knows. We all deal with it in our lives,
Speaker 2: and it's really scary. You have to get it done.
Speaker 2: I mean, you really do, there's no doubt about it.
Speaker 2: Now that I beat you up on that, you're going
Speaker 2: to get an appointment.
Speaker 8: Right by the way.
Speaker 14: I yeah, and I appreciate that's that is a wake
Speaker 14: up call. And you know, sometimes well need a reminder
Speaker 14: of something that's super obvious like that.
Speaker 2: Yeah, you're so healthy, you're always trying. You're trying to
Speaker 2: lower your cholesterol. You're losing weight, which I mean, you
Speaker 2: don't even really got to lose weight, but I know
Speaker 2: that lasts ten pounds whatever, and you exercise and you're
Speaker 2: almost the zero carbs, very low carbs.
Speaker 14: Yeah, I'm in a keutogenic diet and have been there
Speaker 14: for five years now. It changed my life. Yeah, and
Speaker 14: I have blood tests, full blood tests, twice a year
Speaker 14: to see what's going well and what needs attention.
Speaker 2: And then you overlook something so massive.
Speaker 14: Yeah, and I think I did that, you know, subconsciously intentionally,
Speaker 14: because my primary health provider has recommended that to me
Speaker 14: on a number of occasions, probably over the past five
Speaker 14: or six years now. So I just I believe me.
Speaker 14: I'm taking it one hundred percent seriously as of right now,
Speaker 14: especially after listening to your exam and then.
Speaker 2: The other thing. I'll tell people that have never gone
Speaker 2: through it, and I do feel this is like a
Speaker 2: public service announcement after losing don I'm not kidding. There's
Speaker 2: no pain to it. The anxiety leading up to it
Speaker 2: is probably the worst. And then you're in this, at
Speaker 2: least the procedure that we've had done. You're in a
Speaker 2: twilight and I actually remember the whole thing. I remember
Speaker 2: watching the monitor and him going, oh, there's a poll
Speaker 2: up cut and it's like, oh, okay, and you're kind
Speaker 2: of just like, yeah.
Speaker 16: They do that at the same time as the examination.
Speaker 2: Everything. Man, Oh yeah, when you're done, you're done. There's
Speaker 2: absolutely no pain. And how that's possible till this day,
Speaker 2: I have no idea how they scope you your body
Speaker 2: like that and you feel nothing. I mean it's the sedatives,
Speaker 2: I'm sure, but it's still remarkable how it's not uncomfortable.
Speaker 2: It's just leading up to it, and then even afterwards,
Speaker 2: it's not like coming out from total sedation. It's at
Speaker 2: twilight you're okay, like in a half hour, so, I
Speaker 2: mean you'll need a ride home. But other than that,
Speaker 2: and then the whole thing takes maybe forty five minutes
Speaker 2: to an hour. There's nothing to it, and I'm.
Speaker 16: Not sure amazing.
Speaker 2: I'm telling everybody that because that's it. I mean, you
Speaker 2: really have to have it done. And once again, if
Speaker 2: they do find a polyp, you don't freak out. The
Speaker 2: doctor will come in. They usually do a biopsy on it,
Speaker 2: make sure it wasn't cancerous and if and most of
Speaker 2: them can tell by looking at it, they're like, yeah,
Speaker 2: we had a pollop. I mean it looked fine. It
Speaker 2: looked like, you know, a normal polyp that's not cancerous.
Speaker 2: And you know they examine it.
Speaker 14: Do they examine that sample for cancer cells right there
Speaker 14: while you're still during in the previger.
Speaker 2: No, they're used to quote eyeballing it if you will,
Speaker 2: but then they'll send it out for a biopsy, okay,
Speaker 2: and then if with Kaiser, at least a couple of
Speaker 2: days later the test results come back. But I think
Speaker 2: it's very important for everybody out there, men, women. Kaiser's
Speaker 2: now forty five, so the old thinking of way till
Speaker 2: you or fifty I would not do. It's so it's
Speaker 2: so easy to catch early, and it's so easy to
Speaker 2: eradicate for the most part, long as you stay on it.
Speaker 2: Because I had polyps, my next one was in three years.
Speaker 2: If you don't have any polyps like Suzanne, you probably
Speaker 2: she probably won't have to have another one for ten years,
Speaker 2: so they figure out what's going on with your body
Speaker 2: and go from there. So that's it. So will my
Speaker 2: promise I'll come to you after this break. We do
Speaker 2: have lines open. I hope I'm not boring everybody on that,
Speaker 2: but it's so important. If you have loved ones, even
Speaker 2: older people that have kids that haven't had them done,
Speaker 2: and you know kids in their forty five plus. Please
Speaker 2: I promise you get it done. It can save everybody's life.
Speaker 2: I promise, I promise. I dealt with this personally with
Speaker 2: Don Williams three oh three seven one three eight two
Speaker 2: five five God, it's a slow call day. I want
Speaker 2: to hear your calls. And we've got some good guests
Speaker 2: in here. We've got Frank durand Stephanie Thomas, of course, Dmitri,
Speaker 2: my lovely wife Suzanne, and then John Clace with CMG.
Speaker 2: Everybody Hold tight three zero three Martino.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation in comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three, seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five three oh three Martino, Hey, Patrick, what is
Speaker 2: going on with you? Wilma gets you after this? What's
Speaker 2: going on? Patrick?
Speaker 17: I'm just looking for like an autobody shop. You guys
Speaker 17: recommended Michael's Auto bout to beat.
Speaker 2: They're gone to me.
Speaker 18: Yeah, they're gone. I don't know.
Speaker 19: They were great, but they're gone.
Speaker 20: I was seemed as anybody else in.
Speaker 17: The Elizabeth Parker, bring Town, Castlerock area.
Speaker 2: Man nobody that I'm going to put my name on there.
Speaker 2: I just I just don't know. I haven't had to
Speaker 2: use one since Michael's and it drives me crazy. They're gone.
Speaker 2: I love Michael. He lost his wife from cancer like
Speaker 2: five or six years ago, so he went through a
Speaker 2: tough time and basically he you know, he found himself
Speaker 2: just working all the time. I think all of us
Speaker 2: would kind of fall into that. And he built that.
Speaker 2: And he used to be in a little shop or
Speaker 2: a medium sized shop in Castle Rock. Then they went
Speaker 2: to that big shop down in the industrial area. They
Speaker 2: worked on a ton of listeners cars. They worked on
Speaker 2: two or three of our cars. Never had any complaints.
Speaker 2: Every time I pick somem up, it was great. Then
Speaker 2: he sold and I was a little bummed out, but
Speaker 2: I was like, okay. I stopped in after he sold,
Speaker 2: and I saw that some of the same faces were
Speaker 2: at the counter and the guys in the back more importantly,
Speaker 2: and I'm like, okay, the guys doing the body besides
Speaker 2: Michael are still here, but like fast forward, less than
Speaker 2: a year, they're out of business. I'm blown away. But
Speaker 2: if anybody, I'll throw this out there. Does anybody know
Speaker 2: a good body shop in Douglas County, maybe Monument to
Speaker 2: Castle Rock and then possibly East. I know there's one
Speaker 2: in Franktown, but I know nothing about him, absolutely nothing.
Speaker 2: I would love to hear from somebody that's got a
Speaker 2: good one because I'm gonna need one eventually. And Patrick,
Speaker 2: it sucks, man. I don't know who else to tell you.
Speaker 2: We have calls on body shops all the time. In fact,
Speaker 2: the biggest thing right now, Patrick, is timeframe. I mean
Speaker 2: we had people calling in and you know, they're told
Speaker 2: a month and it turns out to be a couple months.
Speaker 2: It's horrible, what's wrong with your car?
Speaker 17: So I bought it, no problems with it, and then slowly,
Speaker 17: after about a year of owning it, the rear side
Speaker 17: quarter panel all the paint that started coming off that
Speaker 17: shit like so it was in a It wasn't just paint.
Speaker 17: It turned out to be bondo.
Speaker 15: It used to previously was.
Speaker 17: In an accident apparently, and.
Speaker 2: Yep it was.
Speaker 17: Yeah, let's see who did it in one of the
Speaker 17: big big shops that work for all the dealerships and stuff.
Speaker 2: Yeah, did it, and they didn't do a great job.
Speaker 2: It sounds like no, Well, we'll see if anybody. We'll
Speaker 2: see if anybody calls in. I mean, we got to
Speaker 2: find a good body shop. I know there's some out there.
Speaker 2: I would assume there's another good one in Castle Rock. Honestly,
Speaker 2: I'm just not sure who they are, nor have I
Speaker 2: used them. But when I discovered Michael's years ago, I
Speaker 2: couldn't have been happier. We had a little faux pas,
Speaker 2: or they did when we picked it up, and uh,
Speaker 2: I mean they immediately took care of it beyond just great, guys.
Speaker 2: I hate when of business sells. Have you guys ever
Speaker 2: dealt with that? Hey? Thanks for the call. Patrick? Three
Speaker 2: oh three seven one three A two five five. Have
Speaker 2: you guys ever dealt personally anybody? I don't care if
Speaker 2: it's a restaurant or anything where the business sells and
Speaker 2: then it just goes to hell? I mean like literally,
Speaker 2: So I sold my last okay, I sold my computer store,
Speaker 2: and the computer store sold two computer stores and they
Speaker 2: both went out of business within a year. Stephanie, how
Speaker 2: long that Parker one as soon as they Oh, I
Speaker 2: think that was less than a year. Less than a year.
Speaker 2: I mean, the guy gave me two underd k out
Speaker 2: of his four oh one k. All he bought, honestly
Speaker 2: was a customer list. That was great my cash flow
Speaker 2: in a lease. He didn't buy any property, maybe ten
Speaker 2: grand worth of inventory. Two under grand out of his
Speaker 2: four oh one k. Him and his kid ran it
Speaker 2: into the ground within less than a year. The first
Speaker 2: thing they did was they went to my manager that
Speaker 2: was still there working for him, and took away his
Speaker 2: health as soon as they took away his health insurance.
Speaker 2: I mean, you can see where his thoughts went. He
Speaker 2: was no longer that loyal to him because they weren't
Speaker 2: being loyal to him. They just couldn't do anything right,
Speaker 2: and they wasted all their money. I mean that's the
Speaker 2: bottom line. And then same with the last Goodyear store,
Speaker 2: except a little different. The guy spent Ultimately, he did
Speaker 2: okay because he sold the building. I sold him the
Speaker 2: building in the business. But he ran the building into
Speaker 2: the ground within a year. And that one was all
Speaker 2: commercial accounts. It couldn't have been easier to make money.
Speaker 2: It was all commercial accounts. You always get paid and
Speaker 2: the driver is not the one approving stuff, so they
Speaker 2: could care less. It was the easiest stuff in the world.
Speaker 2: You couldn't run it into the ground, and somehow he
Speaker 2: did it. Wilma Hold tight, whoever's on two Hold Tight
Speaker 2: three zero three seven one three talk.
Speaker 12: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're contenth
Speaker 12: time for an insurance check up free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three O three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your home with remax a li allons
Speaker 12: three all three nine two zero sixteen twenty two.
Speaker 1: Ripped off news need advice?
Speaker 4: Who you don't have them? Runs just as fast as
Speaker 4: we can. Shooter's gonna help come.
Speaker 2: This is the Troubleshooter Show. No Tom Martinez Welcome, Welcome,
Speaker 2: my friends to the only show of it's kind. We're
Speaker 2: here to solve problems, answer questions, take complaints. You've been
Speaker 2: ripped off or just have a question. We'd love to
Speaker 2: hear from you. Three zero three seven, one three eight
Speaker 2: two five five been a little slow today, got two
Speaker 2: lines open, would love to hear any questions. We've been
Speaker 2: talking about a range of different things, including the home
Speaker 2: market and the finance market, because we've got John Clay
Speaker 2: CMG home Loans in in the house. We also have
Speaker 2: Frank Durant, the real estate man, Steph Thomas, realtor up
Speaker 2: in the Pike's Peak Region. Real Quick guys, Pike's Peak Region.
Speaker 2: How's it up down medium when it comes to buying
Speaker 2: and selling a home? Like, what's your average inventory right now? Steph?
Speaker 21: You know so Colorado Springs has a little over seventeen
Speaker 21: hundred current active property?
Speaker 2: Is that norm?
Speaker 21: We're actually up a little bit for properties, but our
Speaker 21: days on market are really increasing as well, so.
Speaker 2: That means everything slowing down.
Speaker 16: Oh, definitely.
Speaker 2: That's about new builds. You guys have a lot of
Speaker 2: new construction. We do.
Speaker 21: We really have a lot of new construction, especially in
Speaker 21: that kind of the northeast and southeast sides of towns,
Speaker 21: and there's some others, you know, kind of scattered around,
Speaker 21: but primarily we see them building up in those areas.
Speaker 2: Something I tell people all the time. Frank, you've helped
Speaker 2: us with this on the show a few times, but
Speaker 2: in John you might know something about this. But new
Speaker 2: home contracts are nothing like standard real estate contracts. I mean,
Speaker 2: you have no idea what you're getting into. In fact,
Speaker 2: I'll give you one from a lending side. How does
Speaker 2: this work? You guys represent new home buyers right, And
Speaker 2: you're crazy not to use a realtor and possibly even
Speaker 2: an attorney if you're looking at buying a new build.
Speaker 2: I don't care if it's a custom builder or KB
Speaker 2: Homes or Lenar or whoever's out there building track homes
Speaker 2: these days. I think you're absolutely crazy not to use
Speaker 2: a realtor, at minimum possibly an attorney. Effect I'd say
Speaker 2: I use an attorney. But here's the deal man. There's
Speaker 2: a lot of clauses in there that say, hey, if
Speaker 2: lumber goes up and look at the tariffs we have
Speaker 2: coming right now. Seriously, the cost of building a new
Speaker 2: house could be a hell of a lot more, just
Speaker 2: like it was in covid than anything. We had so
Speaker 2: many people. You in Colorado Springs there was a not
Speaker 2: a town home, a kind of minium and there was
Speaker 2: about eight people that called us all in the same
Speaker 2: amount of time. They finally finished it up, John and
Speaker 2: they wanted fifty thousand more seventy five thousand more per
Speaker 2: unit to people that bought them. They had no idea.
Speaker 2: There was a clause in there that if certain prices
Speaker 2: went up, they could charge more. How does that How
Speaker 2: does that work from a lenders aspect when you look
Speaker 2: at those contracts, is that like wait, wait, wait, we
Speaker 2: don't even know how much this is going to be. Well,
Speaker 2: a lot of.
Speaker 8: Times we'll preapprove somebody at a at a top end,
Speaker 8: but also at what their purchase price is, and you
Speaker 8: know they're you know, we'll raise as long as the
Speaker 8: process will appraise, which usually if they're contracts.
Speaker 2: So if the price goes up, generally it's going to
Speaker 2: appraise it at.
Speaker 8: Correct and usually they'll so it'll still be the loan,
Speaker 8: just larger mount Now it could the larger amount could
Speaker 8: make people not to qualify in the debt to income ratio. Yeah,
Speaker 8: and then they got to have a realtor that will
Speaker 8: protect their earnest money, and that I don't know. I
Speaker 8: think Frank and Stephanie would know a little bit more
Speaker 8: about protection.
Speaker 2: How does that generally work? Guys? If you dealt with
Speaker 2: one like those condos we were talking about, Frank, where
Speaker 2: you know, all of a sudden they put down whatever
Speaker 2: they put down twenty thousand earnest or ten or whatever
Speaker 2: the average is on a new build like that, and
Speaker 2: then next thing you know, the home's going to go
Speaker 2: up seventy seventy five one hundred thousand dollars because of materials.
Speaker 2: Have you dealt with.
Speaker 10: Something, yeah, Mark, And I'd tell you that's where transparency
Speaker 10: on these new builds is very important with buyers because
Speaker 10: some builders are more aggressive than others. And we had
Speaker 10: one builder where they made the earnest money non refundable.
Speaker 10: It was like fifty thousand dollars totally. And I warned
Speaker 10: the buyer, look, you're taking a big risk when you
Speaker 10: do that, because look what the contract actually says. It's
Speaker 10: not like the ones that we do at the Colorado
Speaker 10: Real Estate Commission, much different.
Speaker 2: So wait a minute. In this particular one, it didn't
Speaker 2: matter what happened. In other words, even if they couldn't
Speaker 2: get financed, they lose their fifty grand, it's gone.
Speaker 7: There was a timeline, but it was a short timeline.
Speaker 2: That is amazing.
Speaker 7: It is it's unreal.
Speaker 18: Yeah.
Speaker 2: And then so what ultimately happened in that one? Did
Speaker 2: they buy it?
Speaker 10: He decided not to get into contract with it. Yeah,
Speaker 10: we found him another property, which I think was smart
Speaker 10: because I think he was taking a big risk.
Speaker 2: Now, how does that generally work? You know, pull the
Speaker 2: skirt up on the industry. When you walk into a
Speaker 2: model home in a neighborhood that's building out with new
Speaker 2: builds and there's all those they're not realtors, but they're
Speaker 2: people showing the homes.
Speaker 21: Yeah, the builder has sales associates that work on the
Speaker 21: realtors are they Some might be realtors, but a lot
Speaker 21: of times their licenses are inactive so that they can
Speaker 21: work within the builder's contract. Because as Colorado realtors, we're
Speaker 21: supposed to use the Colorado real estate.
Speaker 2: So you're not even supposed to be a realtor and
Speaker 2: actually sell something on a contract that's outside of the norm, right,
Speaker 2: I mean, that's kind of the typical.
Speaker 21: There are realtors that work with builders on individual basis,
Speaker 21: and I'm sure their brokerages and attorneys have to go
Speaker 21: in and approve things.
Speaker 2: Wow, that's crazy. Though, so those people generally make a commission, right. Yeah,
Speaker 2: I know a builder's runds like this. I walk in
Speaker 2: and I'm looking at KB home and someone's showing it
Speaker 2: to me, and we like it. You know, I'm not
Speaker 2: going to put any earnest money down that particular day.
Speaker 2: But it's all good, and I get their business card.
Speaker 2: But then I go out and say, hey Frank or
Speaker 2: hey Stephanie, we're looking at buying this. I want you
Speaker 2: to look over the contract and represent me in this.
Speaker 2: So now what happens Now it's who's representing me, the
Speaker 2: person from the from.
Speaker 10: The home or you guys, it'd be your individual broker
Speaker 10: mark because the builder's rep is for the builder period.
Speaker 2: They work for the builder. They're on your sales shot.
Speaker 10: Yeah, and some and some builders are more flexible than others.
Speaker 10: Some will say, yeah, just bring your relter over and
Speaker 10: bring a card and where good. Others say, you didn't
Speaker 10: show up the first time with the relture. We're not
Speaker 10: going to work with them.
Speaker 2: We're paying really so wait a minute. So if someone
Speaker 2: gets there and then understands earnest money and stuff, there's
Speaker 2: some builders that'll say, well, we're not going to deal
Speaker 2: with you because you want to use a realtor, it's
Speaker 2: too late, not quite.
Speaker 10: In other words, they might say, you know, if you
Speaker 10: bring your realture on the first visit, we're willing to
Speaker 10: pay them a co op, but if you show up
Speaker 10: by yourself, we're not going to pay Now. Some others
Speaker 10: are more flexible. Mark It depends, and some of that
Speaker 10: depends on the supply and demand. How fast are getting
Speaker 10: rid of these?
Speaker 2: Wow, we got an update. We're going to go to Wilma.
Speaker 2: Let me recap this real quick. Wilma bought a twenty
Speaker 2: sixteen Denali and basically she had a lot of work
Speaker 2: done to In fact, I think with the purchase price
Speaker 2: and all the repairs, she's forty thousand dollars into this.
Speaker 2: But she spent eight thousand at a dealership I forget
Speaker 2: which one, and still had a problem. Then she needed
Speaker 2: basically an engine and had an engine put in, and Wilma,
Speaker 2: I forget off of the top of my head, the
Speaker 2: people that put the engine in. We had them on
Speaker 2: air last Friday. What was the shop's name? I just forget.
Speaker 11: That.
Speaker 2: Yeah, Humble's B and B yup. And then Humble came
Speaker 2: on and said Hey, we're going to take care of this.
Speaker 2: And that's kind of where we left it Friday. And
Speaker 2: what's going on with it now?
Speaker 22: Well, I got my car back yesterday.
Speaker 2: Tell me it's running good, please.
Speaker 22: Too, propably. Yeah, it's running perfectly good. The whole thing
Speaker 22: why I had an issue is because I thought a
Speaker 22: brand new engine. You guys kept saying to rebuilt. It's like, no,
Speaker 22: it's just brand new. That's why it's like, why should
Speaker 22: I be having these issues? My car should be running
Speaker 22: like a brand new car.
Speaker 15: And it is now, right, I had a lot of problems.
Speaker 2: Yeah, it is great. Did you and Humble get along
Speaker 2: or whatever his name is, Stuart Stuart, did you guys
Speaker 2: make up?
Speaker 22: Well, I mean he's some of em pleases maybe yeah,
Speaker 22: I mean he didn't like the fact that I called you.
Speaker 22: But it's like, well, it wasn't just you. It was
Speaker 22: off about short Line.
Speaker 9: GMC was on Havana.
Speaker 22: Because they're the ones that charged me twelve thousand.
Speaker 15: That's just eight thousand.
Speaker 22: Eight thousand was for the manifold exhausting water pump off
Speaker 22: all that stuff.
Speaker 2: Yeah, I know, and it turned out you need an engine.
Speaker 2: It really sucked. I hope that vehicle lasted you one
Speaker 2: hundred and fifty thousand miles.
Speaker 22: Wilma, that would be a lot to have a lot
Speaker 22: more than that.
Speaker 2: Take care of it. Make sure you get the oil
Speaker 2: changes done in new engine. Yep, all right.
Speaker 22: I mean he does provide a car service for you
Speaker 22: when he has his car. Great, did you tell up
Speaker 22: my gas tanks this time?
Speaker 9: So happy?
Speaker 22: The last time when he put in the engine, he
Speaker 22: did drive over one hundred miles. That's why I was
Speaker 22: a little one hundred miles. You know, I didn't know
Speaker 22: you had to drive that far.
Speaker 18: Yeah.
Speaker 2: Well he's trying to break it in driving it. Yeah, yeah,
Speaker 2: all right, Wilma. I appreciate the follow up. And I'm sure.
Speaker 22: Stewards Esmo is a good place. Good, there's nothing wrong.
Speaker 2: With all right, appreciate it, Bye, thank you, you're welcome.
Speaker 2: She was so did you hear that? Called Dimitri? She
Speaker 2: was so upset, guys at this guy and he came
Speaker 2: on and could you tell in her voice she's a
Speaker 2: little hard Does that makes sense? A little I don't
Speaker 2: want to say, difficult, little detail oriented for a personality
Speaker 2: type A and so is he. So when they were
Speaker 2: both on along with me, it was it was crazy.
Speaker 2: It was I don't want to say fireworks, but it
Speaker 2: got a little nuts. But ultimately, I'm so happy for
Speaker 2: the vehicles running the way she wants it. She's got
Speaker 2: a full tanky gas. Steward came through. I was pretty
Speaker 2: sure he was, and he did. He's been there for
Speaker 2: a long long time. Catherine, What is going on with you?
Speaker 23: Yes?
Speaker 11: I wanted to give a compliment to Olig with the
Speaker 11: furniture doctors.
Speaker 24: Yeah, yeah, he's fantastic Olig.
Speaker 2: He's done work at our house. He's like he really is.
Speaker 2: He's like a furniture doctor. He came out and fixed
Speaker 2: What did he fix for you?
Speaker 11: It's it's kind of a long chair. I actually use
Speaker 11: it inside this kind of a semi rocker that moves
Speaker 11: back and forth.
Speaker 2: Yeah, like a slider.
Speaker 18: Sort of.
Speaker 11: I guess between a rocker and a slider.
Speaker 18: It was.
Speaker 11: Broken, as he found out, and was moving sideways. Crazy
Speaker 11: wasn't working right.
Speaker 8: Got it?
Speaker 11: He the beautiful thing. Not only is he a gentleman and.
Speaker 15: Just really grateful being around and yeahful.
Speaker 2: He had to drill holes.
Speaker 11: He figured it out right away.
Speaker 15: Again, it's a metal.
Speaker 2: Chair and he got to fix up.
Speaker 11: But he did it's fantastic. And the beautiful thing is
Speaker 11: he he comes to your home and gets it done
Speaker 11: right then, oh.
Speaker 2: Yeah, don't have to take you Yeah, yeah, he doesn't
Speaker 2: have to pick it up and move in, go work
Speaker 2: out in the shop. In fact, i'd say probably ninety
Speaker 2: five percent of the stuff he does is there. He
Speaker 2: fixed our hutch, so you know, it's a big solid
Speaker 2: wood hutch and in our dining room and our dog Dema, Dema,
Speaker 2: I wonder if she's if we had the radio on it,
Speaker 2: her ears would perk up. But the bottom line was
Speaker 2: she chewed it when she was a puppy and it
Speaker 2: looked horrible, and it was pretty brand new, and he
Speaker 2: came out you couldn't tell that she shoot on it.
Speaker 2: Now it looks just like I mean, it looks brand new.
Speaker 2: I was very impressed. And it didn't cost that much
Speaker 2: really for him to come all the way out fix
Speaker 2: it at your house. It was incredible. Yeah, he's on
Speaker 2: a referral list at referral list dot com if anybody
Speaker 2: needs furniture fixed. Hey, I appreciate that, Catherine, And I'm
Speaker 2: sure he does big time.
Speaker 11: Just a delight and he's so.
Speaker 2: Personable, his experience.
Speaker 24: Oh personable, excellent, Yeah, beautiful.
Speaker 2: Yeah, excellent. Did you get did you know to call
Speaker 2: him from us?
Speaker 11: He had on the side of his vehicle. Yeah, he
Speaker 11: has referral lists dot com.
Speaker 2: Cool, So that's that's how you remembered it.
Speaker 11: Then, yeah, all right, and I think he's proud of
Speaker 11: that advertising.
Speaker 2: Oh he's a he's a great guy. He fits right
Speaker 2: in with people we want and just really good people.
Speaker 2: I mean, that's uh, that's what makes up refer a
Speaker 2: list dot com. Honestly good people like all Lake three
Speaker 2: oh three seven one three eight two five five lines open,
Speaker 2: We'll be right back.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com. You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free, no obligation. In comparison,
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: to seven to one help. You'll think you're his only
Speaker 12: customer when you choose Frank durand the real estate Man
Speaker 12: dot com to list your home with Remax Alliance three
Speaker 12: oh three nine two zero sixteen twenty.
Speaker 2: Two three three seven one three A two, five five.
Speaker 2: Any questions you got on mortgages. I do want to
Speaker 2: dig into some more information on that. We're going to
Speaker 2: talk about that all in one loan, big time. From yesterday.
Speaker 2: I have no idea what this CRV? What is this
Speaker 2: CRV call? Why is it say? From Friday? What is
Speaker 2: this about? Kelly? Do you know Christy? What's going on
Speaker 2: with the CRV? I remember it made some noise. I
Speaker 2: thought the dealers said it was all normal.
Speaker 25: Yes, he did. And so you recommended that I go
Speaker 25: to Honest Accurate Auto for a second opinion.
Speaker 2: Oh yeah, what did they say? Down to Honest Accurate
Speaker 2: in Colorado Springs?
Speaker 25: Well, there's three things I need to tell you. First
Speaker 25: of all, the air conditioners not blowing coals. And we
Speaker 25: had a hard time thinking past that because it was
Speaker 25: so warm in the spring yesterday.
Speaker 2: Yikes.
Speaker 25: So I drove it right back to Honda after I
Speaker 25: met with Austin and on. Honda tested it this morning
Speaker 25: and tells me it's testing fine, the air conditioner and
Speaker 25: it is not blowing cold, it is blowing warm. So
Speaker 25: I asked them to test it again at two o'clock
Speaker 25: today because maybe if they're a warmer outside and they said, well,
Speaker 25: when we stick the probe inside of the event. I said, well,
Speaker 25: put your hand in front of the event. You can
Speaker 25: feel it's not blowing cold. And he said, well, the
Speaker 25: test is. And I said, well, could you go a
Speaker 25: little step above and beyond and put your hand in
Speaker 25: front of the event. He's like, yes, we can do that.
Speaker 25: He said, Okay, my text says the ticking noise is normal,
Speaker 25: normal operation. It's a stillinoid. Blah blah blah. And I said, well,
Speaker 25: then can you tell me why when I drove the
Speaker 25: identical vehicle on your lot, same year Max model Hybrid
Speaker 25: it was the same flip and color. Why that card
Speaker 25: did not make any noise? He said, no, you couldn't
Speaker 25: answer that. I'll have to talk to the tech again.
Speaker 25: And I said, well, could you repeat back to me
Speaker 25: the question because I want to be sure you understand
Speaker 25: And he said, well, I don't really understand what you're asking.
Speaker 25: I'm like, okay, well let me explain it to you again.
Speaker 25: Or what conditions is this vehicle supposed to tick? Because
Speaker 25: sometimes it does and sometimes it doesn't, and the other
Speaker 25: one I drove didn't tick at all.
Speaker 2: Yeah, but honestly, Christy, you didn't drive that other one
Speaker 2: a ton. I mean, maybe it does tick sometimes. I
Speaker 2: don't know what to do on that ticking problem, because
Speaker 2: I've actually looked it up and a lot of people
Speaker 2: complain about it. But they are saying it's normal. What
Speaker 2: did they say that sillinoid does? And then what an honest,
Speaker 2: accurate say just about the clicking or the ticking.
Speaker 25: I'm here yesterday. It does seem to be temperature dependent,
Speaker 25: and when it's warmer it ticks less. It always ticks
Speaker 25: on my drive to work in the morning. But and
Speaker 25: if they're going to say that's normal, then I'll take
Speaker 25: the next step. I mean, Mark, I'm going to trade
Speaker 25: in the stupid car if I have to take a
Speaker 25: ten thousand dollars loss, because I can't live with this.
Speaker 25: It makes me anxious. It makes my heart start racing.
Speaker 9: I can't.
Speaker 25: It makes me sick. This whining night. So the third
Speaker 25: issue is this whining nif.
Speaker 20: It's like this high pitch.
Speaker 25: And it and it goes it starts from zero and
Speaker 25: it goes to seventy five miles an hour, and the
Speaker 25: pitch gets higher and higher and higher, and then when
Speaker 25: you decelerate, the pitch gets lower and lower and lower,
Speaker 25: but it is there the whole time. It is a
Speaker 25: constant wine.
Speaker 21: Wait, mook, did you guys listen to the video I
Speaker 21: sent you guys last week on this because her car?
Speaker 2: It was her car. I sent it to you, Kevin
Speaker 2: and Jeck one Friday. I didn't listen to it because I.
Speaker 25: Wasn't in the first video I sent you. You said
Speaker 25: there was too much road noise, and I'll give you
Speaker 25: that because I was trying to take the video while
Speaker 25: I was driving. But I sent you another one on
Speaker 25: Friday when the car was ticking at idle. It didn't
Speaker 25: matter if I was in car reverse drive or neutral.
Speaker 25: I was sitting at idle, zerom off per hour and
Speaker 25: you can hear it going tick tock.
Speaker 2: See if it's something we could The video part doesn't matter, Susanne,
Speaker 2: See if Shannon. If we get you this video, Susanne's
Speaker 2: got can you pot it up to where we can
Speaker 2: actually hear it? Do you have a way of doing
Speaker 2: a video? All right? I'd like to see if we
Speaker 2: can do that. Hold on, Christy, I do want to
Speaker 2: hear it. Plus that'll hopefully we can amplify it. I'd
Speaker 2: hate to see you lose ten thousand, because that's exactly
Speaker 2: what's going to happen. You trade in a brand new vehicle.
Speaker 2: Maybe did you ever think that maybe you're just not
Speaker 2: made for a you know, either a hybrid. I doubt
Speaker 2: you'd buy one again, right, I mean they do. My
Speaker 2: electric makes some noises. I'm used to it. Not as
Speaker 2: annoying as what you're describing. No, I'll give you that.
Speaker 25: Yes, I've decided I'm probably not agreeable to a hybrid,
Speaker 25: But if it didn't make any noises like the other one, i'd.
Speaker 2: What's that thing Addie has when she was a kid?
Speaker 2: Hold on, I want to ask my wife something. What
Speaker 2: is that called? I believe it's called mesopenia?
Speaker 15: Do you have that?
Speaker 2: Have you ever heard that? Christy?
Speaker 25: Yes, I've heard it, and I can hear things that
Speaker 25: other people can't hear. My husband's docking station in the office. Yeah,
Speaker 25: stand to be the same.
Speaker 2: Our daughter, if she just sees you too, she hears it. Yeah,
Speaker 2: it's pretty crazy and it's real. I mean, there's nothing
Speaker 2: it's it's a real deal. So I feel for you
Speaker 2: because our kid has it. Yeah. She man.
Speaker 14: Hey, I got to you Mark and Christy. You know, Christy,
Speaker 14: I think you're in the Springs, I'm in Denver. If
Speaker 14: you happen to come up here on a warm day,
Speaker 14: which is when this Oh how about Uh, I'll give
Speaker 14: you my phone number and i'll be call me when
Speaker 14: you're on their way to town. I'll be happy to
Speaker 14: go for a ride you a oh Dimetrios, Deputy Jaty Demetrie,
Speaker 14: I help I help Mark and Tom with some consumer issues.
Speaker 8: I'll be happy to go for a ride with you
Speaker 8: around here.
Speaker 14: I assume you have a good driving record, right, yeah, okay, yeah,
Speaker 14: So I'll be happy to go for a ride with you.
Speaker 14: And then I'll listen for the ticking and the whining
Speaker 14: and all that stuff, and I'll be in independent witness
Speaker 14: to this.
Speaker 2: Christy, why not turn up some tunes in your car
Speaker 2: so you don't share it.
Speaker 13: That's what I would do.
Speaker 25: If I threw it up loud enough, it will drown
Speaker 25: it out. But honestly, most of the time my radio
Speaker 25: is off because I'm usually praying because of this world
Speaker 25: will screwed up?
Speaker 14: All right, Well, look, just just killy, if Kelly, if
Speaker 14: you can give Christy my cell phone number.
Speaker 16: Uh, Christy, I'll wait to.
Speaker 2: Hear and I vouch for him, Christie forever and uh and.
Speaker 16: My office is in downtown Denver, so if you don't
Speaker 16: mind stopping by there up.
Speaker 2: Will actually that or have or maybe swing by the station.
Speaker 2: Oh yeah, in that way. When are you going to
Speaker 2: be down here, Christy? We're in the tech show.
Speaker 25: I have an appointment in Golden at one point thirty,
Speaker 25: but I can be there anytime, like up before.
Speaker 2: Oh well, well Farday's card for her to stop by,
Speaker 2: maybe like around ten thirty.
Speaker 16: Yeah, our show starts at ten, so just come on
Speaker 16: up here.
Speaker 14: When you call me, you know, I won't answer the
Speaker 14: phone because I won't recognize not know that, but we're
Speaker 14: going to have a message.
Speaker 2: So Dimitri and go for a ride with you. But
Speaker 2: we also have we're gonna have Kevin colkin in who
Speaker 2: owns shared in Auto Tech.
Speaker 8: We'll both go for a ride in it.
Speaker 2: Yeah, and let's get let's get a couple opinions on that.
Speaker 2: Then maybe we'll get a little more firepower. But the
Speaker 2: other thing what you might have to do, Dah, is
Speaker 2: go test drive after you go for a ride with hers.
Speaker 2: Act like you're buying one of these same year make model.
Speaker 8: Oh that's a great idea.
Speaker 2: And go test drive. Wanted a dealership to see if
Speaker 2: you can see the difference to where hers is a
Speaker 2: lot more obnoxious or if it's just her no offense, Chrissy,
Speaker 2: We just don't know right now. Yeah, Chris, believe me.
Speaker 25: I questioned my own sanity and my hearing and my memory.
Speaker 25: But my daughter was with me. She's twenty four years
Speaker 25: old and she's one of those people who's very in
Speaker 25: tune with life, and she confirmed that, Yes, your vehicle
Speaker 25: is making those noises. Know that vehicle is not making
Speaker 25: those noises. And if they're quote unquote normal functioning, normal.
Speaker 2: Operation, and I get we'll look into that. But the AC,
Speaker 2: by the way, it's pretty standard. I had my shops
Speaker 2: to check in AC. We would take a simple uh,
Speaker 2: almost like a meat thermometer, and you just put it
Speaker 2: in the vent and you're looking for whatever you're looking for.
Speaker 2: I mean, it either is there or not there. Mark
Speaker 2: Shannon should have the video. Maybe after break he can
Speaker 2: play the audio on it. Yeah, we'll see if we
Speaker 2: can hear that. Everybody hold tight, and then a deputy
Speaker 2: bos got a body shop idea, We got lines open
Speaker 2: three zero three seven one three eight two five five.
Speaker 2: We're going to talk some mortgage information too.
Speaker 12: After this, go with a sure thing Denver's Best roofer
Speaker 12: Excel Roofing dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance check up free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three o three seven
Speaker 12: seven to one help. You'll think you're his only customer
Speaker 12: when you choose Frank durand the real estate Man dot
Speaker 12: com to list your home with Remax Alliance three oh
Speaker 12: three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five three oh three Martino, I'll be looking forward
Speaker 2: to that. On car Friday, we do have lines open
Speaker 2: three oh three seven one three eight two five five.
Speaker 2: By the way, I want to tell you about eight
Speaker 2: eight eight heating dot com. Garrett and the gang are
Speaker 2: absolutely wonderful people. They're honest as a day is long,
Speaker 2: and they're always going to give you a price on
Speaker 2: fixing something, even if your furnace is fifteen twenty years old,
Speaker 2: if the blowers broke, they're going to tell you how
Speaker 2: much for a new blower. They're gonna give you options.
Speaker 2: They're gonna say, Okay, a new blower is five hundred bucks,
Speaker 2: but you know it's twenty years old. You might want
Speaker 2: to consider a new one. They'll talk to you about,
Speaker 2: you know, normal efficiency, high efficiency, whatever you want to
Speaker 2: hear about, mini splits, heat pumps, you name it. These
Speaker 2: guys have it. They're just great, great, great people and
Speaker 2: they're always going to give you that option. You're really
Speaker 2: going to appreciate that this day, these days eight heating
Speaker 2: dot com. That's eight eight eight heating dot com. Now
Speaker 2: I want to go to Deputy Boat real quick. By
Speaker 2: the way, he's got a body shop suggestion.
Speaker 18: Bo.
Speaker 2: I'll give you time to do that in a second.
Speaker 2: But we had the mayor, right Stephanie.
Speaker 21: Yeah, he hasn't responded back to me, but he was
Speaker 21: the mayor of Kiowa, a gentleman that I know, and.
Speaker 2: I think so, and that's what I asked either he
Speaker 2: either is the mayor, was the mayor of Kiowa. So,
Speaker 2: in other words, are right down from Elizabeth. We had
Speaker 2: someone last hour call in going somebody around the franktown
Speaker 2: Elizabeth Parker are a good body shop and he said,
Speaker 2: these guys are absolutely great, family owned and operated. They're
Speaker 2: in Elizabeth and they're called Bender Menders and their phone
Speaker 2: numbers three oh three six four six three three seven
Speaker 2: eight BO. Who were you thinking of?
Speaker 26: I was thinking of Try Lakes Collision Center.
Speaker 2: Where are they at the Monument.
Speaker 24: They're off Highway one oh five and.
Speaker 26: I think Beacon Like Road. My brother in law lives there.
Speaker 20: He's used them.
Speaker 26: A couple times.
Speaker 24: They're a mom and pop auto.
Speaker 26: Body shop and I think they do some engine repair
Speaker 26: to They have four bay doors.
Speaker 5: And he said nothing but good luck with them, and
Speaker 5: they have good reviews.
Speaker 26: It's Try Lakes Collision Center in Monument.
Speaker 2: I love it Try Lakes and then from the mayor
Speaker 2: of Kiowa Bender Menders. Very cool. Any updates for us.
Speaker 2: It's been a slow week, honestly.
Speaker 15: I'm working on that.
Speaker 26: Actually mostly done with it. The lady that called in
Speaker 26: yesterday about the shower pan, she wanted Home Deepot to
Speaker 26: return it because her contractor installed it wrong.
Speaker 2: Well, if I recall, it was the wrong size shower pan.
Speaker 2: It was the wrong size.
Speaker 18: It was the.
Speaker 2: Contractor installed it, which is a little strange.
Speaker 26: Well, what happened to lady, her name was Terry. She
Speaker 26: ordered the shower pan from Home Depot and she ordered
Speaker 26: to save some money instead of having the contractor buy it.
Speaker 26: So the contractor just did what she wanted and installed
Speaker 26: the shower pan. And I think it was just a
Speaker 26: case of buyer's remorse once she looked at it. She
Speaker 26: wanted a larger one. She wanted a thirty eight by
Speaker 26: thirty eight. Well, to me, that's not the contractor's fault,
Speaker 26: nor it's Home Depot's fault. She just ordered. She just
Speaker 26: ordered that particular one and decides she didn't like the
Speaker 26: size and wanted the Home Depot to pay the casts.
Speaker 2: What do you think the fix is going to be?
Speaker 26: I told her, if she wanted.
Speaker 27: It done, she should call that person on our referral
Speaker 27: list Discount Bath, to come out and give her an
Speaker 27: estimate to carry it out and to install a.
Speaker 26: Thirty eight by thirty eight in shower pan that she wanted.
Speaker 26: She just she ordered the wrong one.
Speaker 2: See I could look at this look. I know she
Speaker 2: ordered the wrong one, but I can look at this
Speaker 2: two ways. So the rest of the shower was already done,
Speaker 2: all they had to do was put the pan in.
Speaker 2: I guess I don't understand how it looked.
Speaker 26: They did a complete tear out and.
Speaker 2: Then the first thing to go in was the pan.
Speaker 26: The first thing to go in was the pand well,
Speaker 26: then I completely.
Speaker 2: Agree with you. That's that's going to be her fault.
Speaker 24: Right, And I told her she has no recourse with him.
Speaker 26: I mean she just ordered, she's the one who ordered it.
Speaker 26: And then call the contract.
Speaker 2: I mean, how much. It can't be crazy to pull
Speaker 2: that out and put another one in. Or maybe she
Speaker 2: just lives with it. It's only a two inch difference.
Speaker 26: I told her the exactly the same thing, mark, or.
Speaker 2: A four inch difference actually.
Speaker 26: Because it's going to cost a couple grand to tear
Speaker 26: out all the ground and the tile and redo it.
Speaker 18: Yeah.
Speaker 2: Yeah, maybe she does live with it because honestly, it's
Speaker 2: only well it's really a four inch difference. It's two
Speaker 2: inches of every side, right, Yeah, you're right. Yeah, so
Speaker 2: that's a that's a little curious. Yeah, I mean it's
Speaker 2: up to her. She did mess up. I was thinking
Speaker 2: they installed it like after the walls were done and
Speaker 2: it was evident it didn't fit. And I'm going, who
Speaker 2: would install something that's two inches short of the wall
Speaker 2: or the glass or whatever it is? But that's not
Speaker 2: the case. That's the first thing they put down. Then
Speaker 2: they're going to build around the pan.
Speaker 3: That's what she.
Speaker 27: Called about that it was installed wrong, but had nothing
Speaker 27: to do with the shower base being she said it
Speaker 27: was out a I've got it what her issue is.
Speaker 24: But that was the first thing that went in.
Speaker 26: So they built around the shower base that she ordered.
Speaker 2: Yeah, all right, thank you, sir, have a good day.
Speaker 2: Bo right by later man three oh three seven one
Speaker 2: three eight two five five. Got to take a break.
Speaker 2: We got some lines open three oh three Martino, go.
Speaker 12: With a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 13: You don't pay a cent until you're content.
Speaker 12: Time for an insurance checkup free no obligation comparison call
Speaker 12: Compass Insurance paying too much your coverage at dozens of
Speaker 12: insurance companies find out now three all three seven to
Speaker 12: seven to one.
Speaker 2: Help.
Speaker 12: You'll think you're his only customer when you choose Frank
Speaker 12: durand the real estate Man dot com to list your
Speaker 12: home with Remax Alliance three all three nine two zero
Speaker 12: sixteen twenty two.
Speaker 2: Hey John CMG. We were talking during the break. I
Speaker 2: got a question for you. So typically when you're dealing
Speaker 2: with a mortgage broker, that's shopping different banks, different products, sells,
Speaker 2: different products, compare to you where everything you sell is
Speaker 2: the bank CMG right, correct? So how do those guys
Speaker 2: generally make money? So if I go to somebody I
Speaker 2: don't want to use any names, but you know XYZ
Speaker 2: mortgage broker, and I say hey, I'm looking for a loan,
Speaker 2: and they start shopping around, how do they make money?
Speaker 2: I understand how the bank makes money. I understand the
Speaker 2: bond market and how everything somewhat works. I'm not going
Speaker 2: to pretend to be a financial expert here, but how
Speaker 2: does a mortgage broker themselves make money? If they get
Speaker 2: quoted five percent, do they sell it for five and
Speaker 2: a quarter?
Speaker 19: No?
Speaker 2: Do they get paid on Like if it's a five
Speaker 2: hundred thousand dollars loan, they get a point of that upfront?
Speaker 2: I mean, how does that work?
Speaker 26: Well?
Speaker 8: Typically, what they'll have is broker has several different ones
Speaker 8: and they do get paid from whoever they do the
Speaker 8: loan through. And typically you know, they'll start at a
Speaker 8: rate higher you know, because they may make two points
Speaker 8: on that with that lender, So they have different commission
Speaker 8: rates set up with different lenders, Like this lender pays
Speaker 8: them two percent, that lender pays them one and a half.
Speaker 8: So what the kind of the bad thing about it?
Speaker 2: That's like real numbers. Can someone really make like one
Speaker 2: hundred two percent on a loan?
Speaker 8: Yeah, they are real numbers.
Speaker 2: I mean that's crazy. So on a three hundred thousand
Speaker 2: dollars loan they're making six seven grand.
Speaker 8: Well, and typically when you talk with a broker, you know,
Speaker 8: they'll start you at a high rate and then if
Speaker 8: somebody comes to me, I'll give you a rate that
Speaker 8: it should be.
Speaker 18: Yeah.
Speaker 8: Yeah, the broker's going to come back, well, I'll do
Speaker 8: it for that, you know, or they're going to a
Speaker 8: different lender that they get paid a different commission, so
Speaker 8: they'll shop different ones. But they typically don't lead with
Speaker 8: that like we do as the bank. I mean, we
Speaker 8: were coming out and we're giving you starting out with
Speaker 8: that rate. You're starting out with a good rate.
Speaker 2: I'll tell you what. It's the same thing the car
Speaker 2: guys do. Yeah, I mean the car guys. When you
Speaker 2: go into finance, the worst thing in the world you
Speaker 2: can do is say I'm an all cash buyer. People
Speaker 2: think that gives you power, It doesn't give you anything
Speaker 2: because they make money on that loan. You're buying a
Speaker 2: fifty thousand dollars car with five grand down, that's forty
Speaker 2: five thousand dollars loan that could be worth three four
Speaker 2: grand to that cards that car salesman like, literally, it
Speaker 2: can be worth that much, and then is here. The
Speaker 2: brokers also have recourse too, because if I pay it
Speaker 2: off for refi in ninety days, they typically will lose
Speaker 2: whatever they were paying.
Speaker 8: They clawed back. You're right, they typically will lose it
Speaker 8: because they'll even tell a lot of their clients, hey, listen,
Speaker 8: I'm gonna give you this rate, but you can't do
Speaker 8: anything with it, which is false. You can refinance it anytime.
Speaker 2: So typically you're going to be you're going to be
Speaker 2: less off the bat, less off the bat.
Speaker 8: And our our fees are a little lower because obviously
Speaker 8: we're doing all the in house underwriting, all the in
Speaker 8: house processing, everything in house where you're not paying people. Yeah,
Speaker 8: they got a processor and then they got whoever the
Speaker 8: lender has a part.
Speaker 2: How many millions of months to you guys do in lawns?
Speaker 8: Oh boy, we're we're in across the whole country. We're
Speaker 8: we're we're doing almost two billion a month throughout the
Speaker 8: whole United States.
Speaker 2: That's incredible, isn't it. Frank You guys were talking about
Speaker 2: something on break What was that? I was curious boy Mark.
Speaker 7: Club, trying to think which thing were we talk about?
Speaker 7: All the two bhydowns, the two one by down?
Speaker 3: What is it?
Speaker 2: Two to one buy down?
Speaker 15: Yeah?
Speaker 8: Go ahead.
Speaker 10: So basically what will happen is a buyer may come
Speaker 10: in and negotiate and need some help on their interest
Speaker 10: rate buydown. So let's say the rate is currently it's
Speaker 10: seven and a half, which is at six and a half.
Speaker 7: Now, yeah, let's say it's six point seven six point
Speaker 7: seven five.
Speaker 10: So they might start at six five four four point
Speaker 10: seventy five the first year, but they have to qualify
Speaker 10: for the six point seventy five up front.
Speaker 7: That's what a lot of people forget.
Speaker 10: So the first year it's four point seven five, the
Speaker 10: next year goes up to five point seven five. That's
Speaker 10: the two point by right, and it'll max out at
Speaker 10: the six point seven five. Now, the goal hopefully is
Speaker 10: to REFI somewhere in between if you can. If not,
Speaker 10: then your max is what you.
Speaker 2: Started with six, so your ceiling is still going to
Speaker 2: be the six point seven five or six seven five,
Speaker 2: but your first two years you're at four seven five.
Speaker 2: Then it goes up a half yeah, actually a point
Speaker 2: one point one point yeah, and then it then it
Speaker 2: caps if you don't refight. So it's almost like an arm,
Speaker 2: but it's not called do well.
Speaker 8: And the good thing about that is most people do
Speaker 8: refinance within three to five six years. So if you're
Speaker 8: going to refine, if you think you're into something within
Speaker 8: five years what most people do, it's a good way
Speaker 8: to do it and also gives you that lower lower
Speaker 8: interest rate for those first and.
Speaker 2: How much I want to I want to know how
Speaker 2: much of buydown like that is in general, So everybody
Speaker 2: hold on three oh three seven one, three eight, two
Speaker 2: five five. We got another two hours coming up. Corey
Speaker 2: and Eric. I promise I'll bring you guys up. Corey
Speaker 2: says he has additional information on that shower band, so
Speaker 2: we'll dig into that, and I have two lines open
Speaker 2: for you. Three oh three, Martino, go.
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Speaker 12: You don't pay a cent until you're content. Time for
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Speaker 12: Insurance paying too much your coverage at dozens of insurance
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Speaker 1: Ripped off that news.
Speaker 4: You need advice, so you don't have come running as
Speaker 4: fast as we can. Shooter's gonna help coming man.
Speaker 6: This is the Troubleshooter Show Now, Tom Martinez, Welcome, Welcome.
Speaker 2: My friends to the only show of it's kind. We're
Speaker 2: here to solve problems, answer questions, take complaints. We are
Speaker 2: trying to make your life a little bit better. You
Speaker 2: got any questions you've been ripped off, maybe a bad
Speaker 2: contractor uh, maybe you're facing something you've never faced before
Speaker 2: and you just want some advice. That's what this show
Speaker 2: is for. I've got a group of experts at referral
Speaker 2: list dot com and by the way, some of them
Speaker 2: in studio with us today. John Clace, CMG Home Loans,
Speaker 2: Frank durand the real Estate man, Stephanie Tom I'm a
Speaker 2: realtor in the Pike's Peak region who I've known for
Speaker 2: god over twenty years. I've known everybody in this room
Speaker 2: actually at least ten, if not fifteen, all the way
Speaker 2: to twenty five. These are really good people. You have
Speaker 2: any questions on buying a home, selling a home, anything
Speaker 2: along those, and then of course mortgages in general. We're
Speaker 2: going to dive into some stuff like we were last
Speaker 2: hour with John, but interest rates, I'm curious if he
Speaker 2: thinks things are going to be going down or up.
Speaker 2: And we were talking Tariff's first hour and stock market
Speaker 2: once again, were you know, negative, yeah, roughly five hundred.
Speaker 2: It was negative seven or eight hundred. Tesla, interestingly enough,
Speaker 2: is actually up a little today, not a lot, but
Speaker 2: definitely up today. Trump came out and said he's buying
Speaker 2: a Tesla, and I do agree. We got to support.
Speaker 2: I can't figure out, for the life of me, why
Speaker 2: Musk is getting punished for saving all of our money. Really,
Speaker 2: I mean, call it political, call it what you want,
Speaker 2: but honest to God, you know, we all pay taxes,
Speaker 2: or most of us pay taxes, and we don't want
Speaker 2: our tax money going to stuff we don't want it
Speaker 2: going to It really should be going to people right
Speaker 2: here in the USA. And that's my opinion. And then
Speaker 2: the waste and fraud, you just can't. You just got
Speaker 2: to find it. You know, maybe you shouldn't take a
Speaker 2: chainsaw on to it. People say, use the scalpel. But
Speaker 2: I can't think of the last time anybody's done anything
Speaker 2: like this, guys. I mean, really, I think Obama wanted
Speaker 2: to do something like this. I think Bill Clinton. I
Speaker 2: think even going back to the Bush administrations, everybody wanted
Speaker 2: to kind of cut governments spending. And no one's done it.
Speaker 2: In fact, I think the last person that balanced the
Speaker 2: budget was Bill Clinton. Wasn't that it, I mean, that
Speaker 2: was that's quite a while back. And you know, what
Speaker 2: can I say? But it's kind of weird how these
Speaker 2: guys are getting hit by it. People firebombing Tesla is
Speaker 2: absolutely insane to me. Hey, Eric, what's your question? Real quick? Then, Corey,
Speaker 2: I'll go to you three three seven one three eight
Speaker 2: two five five. Sorry about that, Eric, you got anything
Speaker 2: three oh three seven to one three talk go ahead, Eric.
Speaker 24: Oh yes, sir, thanks for taking my call, sir. At
Speaker 24: the end of twenty twenty two, I got really sick
Speaker 24: and the.
Speaker 5: Doctors couldn't figure out what was wrong with me until
Speaker 5: about a year.
Speaker 18: And a half ago.
Speaker 24: But for the last two or three years, I haven't
Speaker 24: filed any income text papers. I hardly made any money
Speaker 24: at all. But anyway, I was sick all the time,
Speaker 24: and I recently have gotten radiation treatment, so I'm coming
Speaker 24: out of it finally. And I was looking at my
Speaker 24: forms and I never took any.
Speaker 5: Of the table refunds, and I was wondering if I
Speaker 5: can still get them because I went past the October
Speaker 5: deadline and each year except last year.
Speaker 24: So how can I get those back?
Speaker 2: I'm pretty sure with just TABER, if that's all you're
Speaker 2: talking about, have to file by whatever date it is.
Speaker 2: If you don't, I don't think you can get it
Speaker 2: back with TABOR, and I don't think that has changed.
Speaker 24: Okay, So as far as you know, I probably just
Speaker 24: am gonna lose it.
Speaker 2: Then now I would think you're going to lose that.
Speaker 2: I can double check. In fact, let's try to get
Speaker 2: Let's try to get Eric on or somebody over at
Speaker 2: our accounting firm. Kelly got that. Yeah, Eric, he'll know
Speaker 2: for sure.
Speaker 18: Now.
Speaker 2: Interestingly enough, how many years? So you when's the last
Speaker 2: time you filed? What year?
Speaker 24: Well, I filed the ten forty in twenty twenty two, so.
Speaker 2: That's the last one you filed.
Speaker 20: Right.
Speaker 2: Did you get any Yeah? Hold on, hold on, man,
Speaker 2: did you get any COVID money?
Speaker 24: Yes, I did get COVID money.
Speaker 2: How did you get COVID money, say, in twenty three?
Speaker 24: In twenty three?
Speaker 5: Yeah, Well what happened was I was still working and
Speaker 5: I got laid off.
Speaker 24: Yeah, they laid me off, So so I.
Speaker 5: Qualified for it, but I was I was still thick.
Speaker 5: I was only working like three days a week.
Speaker 2: You're kind of missing me. What I'm saying is, if
Speaker 2: you didn't file taxes, how did you get it? Did
Speaker 2: you just simply get to check in the mail? I
Speaker 2: kind of forget it? Is that how it worked?
Speaker 18: There is?
Speaker 14: So the IRS has a form that you file for
Speaker 14: zero income to get your COVID. Yes, so you file
Speaker 14: this form instead of your tax return or I supposed
Speaker 14: you just file tax return. It was zero income on it,
Speaker 14: and they used that as a basis.
Speaker 2: Party.
Speaker 10: Do you do that?
Speaker 24: Well?
Speaker 5: No, I went to the when I got laid off
Speaker 5: and where I work, they told me how to apply
Speaker 5: for unemployment and then I got COVID money and I
Speaker 5: filled out the forums on the internet for the COVID money.
Speaker 2: Okay, so you filled something out for it. I understand
Speaker 2: what you're saying. Is that, Eric Kelly, Hey, Eric, let
Speaker 2: me ask you a question. Eric Ranimir with Atlas Financial
Speaker 2: or I'm sorry, it's what is it?
Speaker 18: What is it?
Speaker 2: Atlas?
Speaker 26: What?
Speaker 16: Eric?
Speaker 2: I'm sorry? Thats CPAs, Yeah, CPAs. So let me ask
Speaker 2: you something.
Speaker 18: Man.
Speaker 2: I've got a caller on Eric, and Eric is saying
Speaker 2: he has not filed taxes since twenty two and twenty
Speaker 2: three and twenty four. If there was COVID money, he
Speaker 2: got that because he went online and filled out whatever
Speaker 2: to get your COVID check. But Tabor, my understanding was
Speaker 2: Tabor you had to actually file at a certain time
Speaker 2: or you would not get it. So, in other words,
Speaker 2: you can't go back. He hasn't filed. Here's here's the
Speaker 2: real question. He hasn't filed taxes for twenty three twenty four.
Speaker 2: So is there any money he missed and can he
Speaker 2: go back and get it? His income was so low
Speaker 2: he's not going to owe any money. But he didn't
Speaker 2: get his Tabor check.
Speaker 20: No, No, if you didn't file timely, then the TABOR
Speaker 20: it's gone up and smoke. It's too late. You can't
Speaker 20: go back retroactively. Was based on filing timely.
Speaker 2: Yeah, I thought, so is there any other money he
Speaker 2: might have missed that he can retro I can't think
Speaker 2: of any No.
Speaker 20: All that stuff was twenty two or prior, so I
Speaker 20: think the only thing that stink with I think it
Speaker 20: was like an eight hundred or sixty hundred dollars taber check.
Speaker 20: But that's it goes away if one didn't file timely
Speaker 20: last year.
Speaker 2: You know, I don't expect you to know the answer
Speaker 2: to this, but what happens to the TABOR money that's
Speaker 2: not claimed? Does it go back into the refund pot
Speaker 2: for everybody else or do we automatically give it to
Speaker 2: the governor or how does that work?
Speaker 20: I think it probably goes to a pool because that
Speaker 20: gets looked at every year. For example, there could be
Speaker 20: a taber refund for twenty five as well. So my
Speaker 20: gut as it probably just goes into a general pool
Speaker 20: that's available to come back at US if there's extra
Speaker 20: money in twenty five.
Speaker 2: Yeah, it's surprising they haven't found a way to scam
Speaker 2: us out of that. Honestly, are you guys really? Your
Speaker 2: guys are really busy this time of year, aren't you.
Speaker 20: We're rocking and rolling in March. Everybody is popping up
Speaker 20: right and left.
Speaker 2: Yeah. When's the corporate returns to the fifteenth of March?
Speaker 18: Right? Yeah?
Speaker 20: And this month because it's on a weekend, it's actually
Speaker 20: on the seventeenth. Everybody's either file or get an extension
Speaker 20: by Monday.
Speaker 2: Yeah, either that or the other. Thing is well, I'm
Speaker 2: saying that for sure. But if all the money, if
Speaker 2: you own different LLC's or partnerships, and all the money
Speaker 2: flows to you and you file through k ones and
Speaker 2: other instruments, basically you don't have to worry till April fifteenth, right.
Speaker 20: That's right in terms of the economics. As long as
Speaker 20: you foil the March fifteenth extension, you can wait until
Speaker 20: April fifteenth to pay. Although there are some states that
Speaker 20: actually have small filing fees as well as you're in
Speaker 20: another state, but that's not the case in Colorado.
Speaker 2: Well, that's good, all right, Eric K. I appreciate.
Speaker 24: Can I ask the man one question?
Speaker 2: Of course you can ask him too.
Speaker 5: Ye, sir, I don't know, I think you're probably right,
Speaker 5: But I read on the internet there's an interview they
Speaker 5: did years ago, and in the interview of this accountant
Speaker 5: on KATIEVR, he says that if you missed the October deadline,
Speaker 5: it carries over to the next year and you can
Speaker 5: claim it on the following year if you missed the deadline.
Speaker 24: Is that I don't know if that's correct, though it
Speaker 24: maybe that was.
Speaker 20: The case years ago. It was a little or leadient,
Speaker 20: but that was not the case for twenty three or
Speaker 20: twenty four.
Speaker 2: Yeah, we're just talking current tax years.
Speaker 18: Eric.
Speaker 2: I mean, anything's possible back in the day.
Speaker 24: So if that's true, then Eric, what part I said?
Speaker 2: Eric, I just got to ask you this. I mean,
Speaker 2: I realize you read it on the internet from some
Speaker 2: interview from way back when on KDVR. I get that,
Speaker 2: but I said it, and then I have an accountant
Speaker 2: on that literally lives and breezes this every day. He
Speaker 2: said it. So what part of you is comfortable saying
Speaker 2: if that's true.
Speaker 24: Well, like you said, for the uh, that may have
Speaker 24: been true earlier, like you know, in the earlier years,
Speaker 24: sure may have been true, but that's not going to affect.
Speaker 2: You pardon, but that doesn't affect your circumstance.
Speaker 24: Well, if that was true for twenty twenty two, then
Speaker 24: I may be able to go back and get at
Speaker 24: least get the twenty twenty two to one possibly and
Speaker 24: maybe the twenty twenty three.
Speaker 2: You know, I don't know, you know, you know, Eric,
Speaker 2: I'm going to ask you one more time. Is there
Speaker 2: any way he can go back and get twenty two
Speaker 2: and twenty three.
Speaker 20: Tabor, not that I'm aware of.
Speaker 3: I don't.
Speaker 9: I don't.
Speaker 3: It was like pay it.
Speaker 20: I mean, the whole plant is they wanted you to
Speaker 20: follow your taxer and so at a certain point they say,
Speaker 20: I'm sorry you didn't file, so you're not you're not eligible.
Speaker 2: Yeah, even if you do enough extensions, you still can't
Speaker 2: get it, correct Eric.
Speaker 20: Yeah, yeah, you had, uh yeah, you had to file kindly.
Speaker 20: So I think it's gone. I think Eric, cheese down
Speaker 20: that tunnel.
Speaker 24: Oh okay, yeah, so it doesn't doesn't carry over to
Speaker 24: the next year, then, no, not at all, No, sir, okay, all.
Speaker 2: Right, that's how those hey on some stuff.
Speaker 5: Though.
Speaker 2: I will say Eric, this, you know, back, I remember
Speaker 2: we went back and our kids were during COVID. They
Speaker 2: were both eighteen at some point, and we went back
Speaker 2: and actually modified No, no, we didn't modify their I'm
Speaker 2: trying to think if we did modify their tax returns.
Speaker 2: I don't think so. But we ended up not carrying
Speaker 2: them as dependents because the COVID money they would get
Speaker 2: was substantially better than what they were worth to us,
Speaker 2: If that makes sense.
Speaker 20: Yeah, that was the case for giving that, you know,
Speaker 20: the irs federal money back in twenty one and twenty two.
Speaker 20: I remember that that was to your advantage of Yeah, it.
Speaker 2: Wasn't that wild. So it's like, because usually the child credit,
Speaker 2: I mean, depending on your income, brack and everything else
Speaker 2: is one thing. But to us, I mean, having them
Speaker 2: as dependents meant almost nothing like five hundred bucks or
Speaker 2: something where they could get money like fifteen hundred or
Speaker 2: twenty five hundred bucks. I mean, it was ridiculous.
Speaker 20: Yeah, cool boy, what do you.
Speaker 2: Let me ask you something? You're an account what do
Speaker 2: you make a tariffs man? Just while I have you,
Speaker 2: you don't have to get political on me. But I mean,
Speaker 2: everybody sees the stock market, but what what is your
Speaker 2: general opinion?
Speaker 20: Well, listen to the economists. They say that in general
Speaker 20: it doesn't seem to really promote everything. It kind of
Speaker 20: freezes things up a little bit. So my understanding is
Speaker 20: it's just right now creating this anxiety, which is to
Speaker 20: cut of any big a big hiccup while everybody waits
Speaker 20: and see how much does it really affect the flow
Speaker 20: of goods back and forth? Yeah, so interdependent right now.
Speaker 20: It's hard when the money and goods going back and
Speaker 20: forth gets a big hiccup, it just just kinds a
Speaker 20: lot of anxiety if nothing else.
Speaker 2: Yeah, I agree, the anxiety you can't even imagine for
Speaker 2: a lot of people, you know, businesses, everybody in the
Speaker 2: stock market, even employees and employers. But the interesting part
Speaker 2: was I would love to see like car manufacturing back here.
Speaker 2: I would love to see a lot of that stuff.
Speaker 2: I would love for our country to be self sufficient
Speaker 2: for pretty much anything, especially like medication and minerals and
Speaker 2: batteries and everything. Chips. Imagine if China took over Taiwan,
Speaker 2: I think ninety percent of the chips in the world
Speaker 2: China would have control on. We got to bring some
Speaker 2: of this stuff back. Hey, Eric, I do appreciate in
Speaker 2: anybody out there, especially especially small businesses that need a
Speaker 2: great accountant that know how to get the best taxes
Speaker 2: for them, period and his story. That's Eric in the gang.
Speaker 2: You can call Erica three oh three seven nine nine
Speaker 2: nine one one one. Three oh three seven nine nine
Speaker 2: nine one one one. Everybody hold tight.
Speaker 12: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 12: dot com.
Speaker 13: You don't pay a cent until you're content than.
Speaker 12: Time for an insurance check up free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
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Speaker 12: nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five three O three Martino, Now, uh, here's a
Speaker 2: quick what is this a quick comment? I'll go to
Speaker 2: Eric first, then I'll go to Corey. We do have
Speaker 2: two lines open three O three seven one three eight
Speaker 2: two five five Eric, what's going on?
Speaker 18: Man? Hi?
Speaker 9: Tom Martino?
Speaker 18: You great American.
Speaker 9: Yeah, you had mentioned, young man, that Bill Clinton had
Speaker 9: passed the budget. But if you remember that, it was
Speaker 9: new Game Ridge, the Speaker of the House, the Republican
Speaker 9: that passed the bug.
Speaker 2: Yeah, they came together on it. That's true, Yes, sir.
Speaker 9: Yeah, Bill Clinton he just took credit for it, you know,
Speaker 9: because he was in office at the time, and he
Speaker 9: never did speak upon that, Tom, Bill Clinton did.
Speaker 2: Okay, But yeah, and you know, all right, Eric Thanke
Speaker 2: you for your clarification here this morning.
Speaker 9: Tom say that again, I think earlier that you talked
Speaker 9: about the tariffs this morning. Yes, at the beginning of
Speaker 9: your show.
Speaker 2: Yes, President Trump.
Speaker 9: I love him the death he is now.
Speaker 28: The tariff.
Speaker 2: I do like such for Tad.
Speaker 18: Eric.
Speaker 2: By the way, I'm Mark, I'm not Tom. After five
Speaker 2: times I have to correct you. Generally, I won't correct people.
Speaker 2: You guys sound so much alike.
Speaker 24: It's crazy.
Speaker 2: That's not a good way.
Speaker 28: Yeah, that's great.
Speaker 2: I'm more I'm probably a little more conservative. Thank you,
Speaker 2: Eric for your comment.
Speaker 7: And more elegant.
Speaker 2: I'm more elegant, and I've got better diction. Hey Corey, uh,
Speaker 2: I don't know what we're going to find out about this,
Speaker 2: but you say you're the son in law of Terry
Speaker 2: who had the problem with the fan or I'm sorry
Speaker 2: the shower pan? Yeah, so what what?
Speaker 12: What?
Speaker 18: What?
Speaker 2: More information? But basically for people listening, Terry called in
Speaker 2: and said, hey, I hired a contractor to install a
Speaker 2: shower and I ordered the shower pan from home Depot.
Speaker 2: The shower pan showed up, they installed it, but it
Speaker 2: turns out to shower pan was too small, and that's
Speaker 2: kind of what happened. So what what say you?
Speaker 28: Yeah, yeah, what kind of happened? Thanks for having me
Speaker 28: on is uh, you know, my mother in law did
Speaker 28: order the shower pan, and it's an important thing. It's
Speaker 28: a it's a corner unit and so it's like a diamond,
Speaker 28: and so there's a three panel glass door that goes
Speaker 28: with that pan, and so she ordered the right size.
Speaker 28: Home Depot acknowledged that the right size is ordered. Home
Speaker 28: Depot sent the wrong size pan, got it and acknowledged
Speaker 28: they sent the wrong size pan. But then the contractor
Speaker 28: put it in, set it, tiled around it, and then
Speaker 28: essentially measured and so now the glass door that was
Speaker 28: ordered with the pan doesn't fit.
Speaker 2: But how would listen Corey, this this is what bothers
Speaker 2: me about this. So how would the contractor know if
Speaker 2: the shower wasn't already there. In other words, the pan
Speaker 2: goes in first, right, right, and so that it was.
Speaker 28: A replacement, and so it was an exact, exact size replacement.
Speaker 2: Well, I know that the contractor. Are you saying it's
Speaker 2: the contractor's.
Speaker 20: Fall call in?
Speaker 28: Well, I would. The frustration is where it came in
Speaker 28: is that they didn't measure, and so they knew they
Speaker 28: had the door, they had the pan, and so what
Speaker 28: do you mean they had the door?
Speaker 2: What do you mean by that they had the full enclosure?
Speaker 18: Oh?
Speaker 28: Yeah, yeah, it's a separate door.
Speaker 2: I want to get hold on. I want you to
Speaker 2: stay on. I really do listen. I want you to
Speaker 2: stay on. Kelly. I want you to get Chris from
Speaker 2: Discount bath On or Mark Schamansky or both of them,
Speaker 2: Mark with Genesis. I want to ask from a contractor's
Speaker 2: perspective of what the deal is. But let me ask
Speaker 2: Corey one more thing, Corey. I want to get them on.
Speaker 2: I I really do want to kind of go down
Speaker 2: that road with you. But let me ask you this. Yeah, yeah,
Speaker 2: is home depot. Are they willing to do absolutely anything
Speaker 2: for sending the wrong size? And I'm not even saying
Speaker 2: it's there there far.
Speaker 28: Right right, and that's why, and that's why I kind of,
Speaker 28: you know, I had her call because I was I
Speaker 28: was I was more interested to see what what people
Speaker 28: would think, okay, because it's kind of that gray area
Speaker 28: like you're saying, you know, and.
Speaker 2: So it's crazy. But hold on, we're going to get
Speaker 2: one of our experts on. If not too, I'm going
Speaker 2: to give you an idea of kind of something similar
Speaker 2: that just happened to Suzanne and I. We had a
Speaker 2: contractor do our bathroom. Did a great job. It's absolutely gorgeous,
Speaker 2: and we got a steam shower and in the steam
Speaker 2: shower we have speakers, and we have a light, and
Speaker 2: we have a touch screen panel that operates the touch
Speaker 2: that operates the steam shower, and it operates. I know
Speaker 2: people are out there like, oh, it must be nice.
Speaker 2: Well you know what, nice, it's beautiful and we love it.
Speaker 2: But anyhow, listen to this. So everything's white and the
Speaker 2: touch screen died. So I called up mister steam that's
Speaker 2: the manufacturer, not the contractor, and I told him what
Speaker 2: was going on, and they said, try this, try that,
Speaker 2: and it's got like a five year warranty. So they
Speaker 2: send out a new screen. I put the box on
Speaker 2: the sink in the bathroom. I call up my contractor,
Speaker 2: great guy, absolutely great guy, and I said, I said, Luis,
Speaker 2: it went out. I'm hoping you can swap this out.
Speaker 2: He goes, Oh, no problem, Mark, I'll handle it for you.
Speaker 2: It's no big deal. Okay, no big deal. He comes out,
Speaker 2: we come home. He installed the new one. It's on
Speaker 2: and everything. But you're ready for this. It's black. They
Speaker 2: sent there's two colors. They make them in white and black.
Speaker 2: So the contractor installed the black one. So you can
Speaker 2: look at it two ways. One, mister Steam should have
Speaker 2: sent the right color. Two Susanna or I probably should
Speaker 2: have opened the box and looked at it. Three him
Speaker 2: being the contractor probably who installed everything, probably should have
Speaker 2: realized it was the wrong one too. But thank god,
Speaker 2: mister Steam is a great company. So I called him back.
Speaker 2: I had to take a picture of it, and sure enough,
Speaker 2: they sent us out the white one. So now now
Speaker 2: Luis will come out and install that one in our shower.
Speaker 2: So it's kind of crazy, but everybody holds tight. Three
Speaker 2: oh three, seven, one, three eight, two, five to five,
Speaker 2: go with a sure thing.
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Speaker 12: sixteen twenty two.
Speaker 2: Right three three seven one three eight two five five.
Speaker 2: I'm going to tell you guys this story next hour.
Speaker 2: That's just amazing. My daughter and I got left at sea.
Speaker 2: Uh no kidding, absolutely no kidding. And the whole reason
Speaker 2: I'm thinking of this, and I promise I'll go to
Speaker 2: the phones, was this poor woman missing in Puntakana, the
Speaker 2: Dominican Republic. Suzanna and I spent three weeks here with
Speaker 2: our kids years ago. In fact, it was right before
Speaker 2: I got back with Tom. I sold my last Goodyear
Speaker 2: store in twenty fourteen or fifteen, and Tom needed some
Speaker 2: help here and he reached out to me, and right
Speaker 2: prior to coming back here, I decided I was going
Speaker 2: to take a long vacation. I worked my ass off
Speaker 2: for long enough over a long period of time. So
Speaker 2: we went to Punta Canna for three weeks. And the
Speaker 2: story I'm going to tell you is absolutely unbelievable. If
Speaker 2: you've been keeping up with this story, nothing surprises us
Speaker 2: that can happen in Poona Canna. But that's coming up meantime. Chris, Chris,
Speaker 2: Console discount Bath dot com. Chris, how are you doing today?
Speaker 18: Man?
Speaker 2: Hey, Chris, how are you doing?
Speaker 8: Man?
Speaker 2: I'm good, I am doing good. Chris. I've got a
Speaker 2: question for you, man. So I'm going to bring up Corey.
Speaker 2: Let me lock you and I got Cory up. But Corey,
Speaker 2: hold on, let me talk real quick. So Chris, here's
Speaker 2: what happened. And by the way, Discount Bath has nothing
Speaker 2: to do with this. He's being our expert on the air.
Speaker 2: In fact, Chris and the gang at Discount Bath you
Speaker 2: can find on a referral listor referral list dot com
Speaker 2: great guys and do exactly what they do. Discount Bath.
Speaker 2: Remind so, Corey is the son and loss. So Terry
Speaker 2: called us up last week and she hired a contractor
Speaker 2: that was going to do a shower enclosure. And I
Speaker 2: believe the original shower that was there was thirty eight inches, right, Corey.
Speaker 28: Yeah, I believe so that sounds about right.
Speaker 2: Yeah, I think it was thirty eight inches. So the
Speaker 2: pan is thirty eight inches square? Is that grat Corey?
Speaker 2: Or is it rectangle?
Speaker 28: It's a diamond, so it's five sided, okay.
Speaker 2: Five sided, But regardless, the pan is the size of
Speaker 2: the pan. So she wanted to save some money and
Speaker 2: basically ordered the pan through home Depot and then had
Speaker 2: her contractor install the pan. So they did the demo,
Speaker 2: and Corey, please interrupt me if I get something wrong.
Speaker 2: They did the demo of the old stuff. They pulled
Speaker 2: out the old walls, they demoed the old pan, and
Speaker 2: then they grabbed the home Depot one and installed the pan.
Speaker 2: At the same time, they also had the wall fixtures there.
Speaker 5: Right.
Speaker 2: Did they have the walls there and the glass air Cory?
Speaker 2: I know a big section of it was glass and
Speaker 2: then there was some wall. Yeah, so everything was there.
Speaker 28: Yeah, the original wall was there.
Speaker 2: The original wall was there, and then what else was
Speaker 2: there for the new shower? Was the enclosure there?
Speaker 28: So what they did, yeah, it was their pan and
Speaker 28: the class door.
Speaker 2: Yeah, so here's the bottom line, Christ and then I'll
Speaker 2: let Corey fill into the details. I want you to
Speaker 2: ask questions because you're going to know questions that I'm
Speaker 2: not asking. So the bottom line is she ordered the
Speaker 2: pan from Home Depot. She ordered a thirty eight inch pan,
Speaker 2: and that's what it was supposed to be. They shipped
Speaker 2: a thirty six inch pan. So even though the invoice,
Speaker 2: in the order everything was right, she ended up with
Speaker 2: the wrong product. The contractor installed the pan, wrong product.
Speaker 2: And that's where we're at right now. Who's is it?
Speaker 29: Home Depots?
Speaker 2: So you would say, honestly, you would say it's Home
Speaker 2: Depot's fault. The contractor shouldn't have measured it. But now, Corey,
Speaker 2: I want you to say wit to him.
Speaker 29: Let me throw something.
Speaker 24: Atch you real quick.
Speaker 29: Home Depot doesn't do custom pans that I'm aware of,
Speaker 29: So thirty six is a standard size, thirty eight is custom.
Speaker 29: So there's no way that she could have gotten a
Speaker 29: thirty eight inch pan from Home Depot.
Speaker 2: So on her invoice, Corey does what does it say
Speaker 2: on the invoice?
Speaker 28: Yeah, so they've acknowledged that she ordered the correct one
Speaker 28: and that they sent the wrong one.
Speaker 2: Okay, no matter what, it's got to take him at that, Chris, Okay,
Speaker 2: whether it's correct or not, I'm not even arguing, but
Speaker 2: let's just take that as facts. But you still think
Speaker 2: the same thing. How about the fact that the contractor
Speaker 2: didn't measure it? Would that even matter? How would they
Speaker 2: know at that point?
Speaker 29: So did the contractor measure it originally and then she
Speaker 29: ordered it or he came in after it was already
Speaker 29: ordered and just said I'll.
Speaker 9: Put it in.
Speaker 28: Yeah, I think yeah, I think they gave the measurements
Speaker 28: for that because it started with a leaky fixture in
Speaker 28: the back that they couldn't get to. So then they thought, well,
Speaker 28: they say, the whole thing out what she agreed to,
Speaker 28: and so they measured what she needed and then she said,
Speaker 28: you know, I can purchase this, and she went and
Speaker 28: got it.
Speaker 2: So they measured it. But then when before they installed it,
Speaker 2: they didn't remeasure.
Speaker 29: It, okay, And then they just got it in and said,
Speaker 29: all right, we did our thing.
Speaker 2: Yeah, so where does it stand now? To Corey, tell
Speaker 2: them exactly where we're at now?
Speaker 28: So and yeah, so it's it's kind of and that's
Speaker 28: one thing. It's I think it's it's been a little resolved.
Speaker 28: But you know, they put it in so the door
Speaker 28: wouldn't fit, and the door to make it fit was
Speaker 28: going to be a special order, and so you know,
Speaker 28: they didn't. She was kind of frustrated with that tructor.
Speaker 28: So the contractor has been good. I mean they have
Speaker 28: been working with her, and obviously they're frustrated. They contacted
Speaker 28: home depot. They're in a tight spot, you know, just
Speaker 28: like everybody. So it's a little bit of a gray area.
Speaker 28: But so ultimately what happened is, you know, uh, they
Speaker 28: did return it. The contractors called her back last night
Speaker 28: and they they did say they're I think they're going
Speaker 28: to work with her on creating on a company that
Speaker 28: they used to customize and cut glass for the door.
Speaker 28: And so she's just kind of making that she's going
Speaker 28: to just go ahead and go with the smaller shower,
Speaker 28: and she's you know, she's satisfied.
Speaker 2: Are they going to charge her anymore?
Speaker 8: Though?
Speaker 5: Oh?
Speaker 28: Said Bow called no, I think I think everything is
Speaker 28: going to kind of wash out, and I think it'll.
Speaker 2: So after Okay, so after after Deputy Bow called over there,
Speaker 2: they decided they were going to work with this, you know,
Speaker 2: I don't know.
Speaker 15: I don't know if it's so much BO calling calling them.
Speaker 28: I mean, they they have been good, they have been working.
Speaker 28: I actually thought it had been a longer time. It
Speaker 28: only been about a week.
Speaker 2: Then why did you just say, Bo? Why did am
Speaker 2: I crazy? Or did you just mention Deputy Bow?
Speaker 18: Yeah?
Speaker 28: So she when she called, she called after hours and
Speaker 28: BO called her back. Oh and so so BO worked
Speaker 28: with her and talked with her a little bit. There,
Speaker 28: I got you, I got you. So I definitely appreciate
Speaker 28: BO calling it.
Speaker 2: Yeah, Okay, Now hold on though, I want to go
Speaker 2: back to Chris real quick. So hold on, though I
Speaker 2: am still curious Chris, now that you've got a picture
Speaker 2: of what happened, ultimately, if this was discount Bath, I
Speaker 2: assume it wouldn't have happened because you guys would have
Speaker 2: measured before you put it in. Or what do you
Speaker 2: think or do you think this is still all on
Speaker 2: home depot?
Speaker 29: You know without having been there. What I feel like
Speaker 29: is if if they measured it and put it in,
Speaker 29: then then it's on them, right if they did ordered
Speaker 29: this thing. The reality is is that I here wouldn't
Speaker 29: have relied on a homeowner to order a shower pan.
Speaker 29: I'd had just given her the discount or to ourselves.
Speaker 2: Yeah, and here's the deal. I'll tell you how I
Speaker 2: look at it. I think it's everybody's problem. I think
Speaker 2: it's Terry's problem, home depots problem, and the contractor's problem.
Speaker 2: Everybody messed up.
Speaker 29: Yeah, I mean that's you know, It's just it was
Speaker 29: one thing after another and then you ended up with this.
Speaker 29: What I'm hearing though, is the solution is a good one.
Speaker 29: Let's just get some custom glass.
Speaker 2: Yeah, but I got another idea for you. Hold on
Speaker 2: and then then Chris, by the way, Chris, I really
Speaker 2: appreciate your time. Anybody out there, If you go to
Speaker 2: discount bath dot com, here's the coolest part. Not only
Speaker 2: do you get a remodel of your bathroom, but you
Speaker 2: can get a quote over the phone. If you go
Speaker 2: to their website, go to the bottom bottom right, and
Speaker 2: you'll see exactly how to do it and maybe, uh,
Speaker 2: surprise your wife, surprise your husband with a new bathroom.
Speaker 2: Discount bath dot com. Everybody, Hold tight, Tom, Mike Dan,
Speaker 2: I want your comment on this. Right after that, then Corey,
Speaker 2: I got another idea for you.
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Speaker 2: This is the Troubleshooter Show. No Tom Martinez, welcome my
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Speaker 2: we've got a lot of cooking. Suzanne's helping me here.
Speaker 2: Line two is Dan Oh, Dan's got a comment on
Speaker 2: the shower. I'm gonna finish up with Corey. Corey, hold on,
Speaker 2: let me lock you in real quick, and then Dan's
Speaker 2: got a comment. Basically, if you're listening last hour, how
Speaker 2: do you put this? I don't even want to recap it,
Speaker 2: but the bottom line is the caller ordered something from
Speaker 2: home Depot for a shower, the contractor put it in.
Speaker 2: It turned out to be the wrong size. But Dan
Speaker 2: is a contractor and has a comment. Not only do
Speaker 2: I want to comment, Dan, but I'd like to know
Speaker 2: what you ultimately think. Who should take care of it?
Speaker 2: Go ahead?
Speaker 19: Yeah, Mark all on, great show, by the way, it's
Speaker 19: great informative information. But yeah, Chris, I really agree with
Speaker 19: everything Chris was saying. My biggest question, like Chris had
Speaker 19: from discount, was all in the world that they got
Speaker 19: thirty eight inch pan from Home Depot. I mean, the
Speaker 19: pan size is the standard pans are twenty four, thirty six,
Speaker 19: forty eight and sixty in. So I'm not sure how
Speaker 19: this customer was able to order a thirty eight inch pound.
Speaker 2: Hey, Corey, do you have any idea? Or maybe when
Speaker 2: your mother in law was on, she gave the wrong
Speaker 2: In other words, maybe it was a twenty four. Now
Speaker 2: that would be way too noticeable though thirty six.
Speaker 28: Yeah, it's only yeah, it's only two inches. Yeah, it's
Speaker 28: only two inches, And so the contractor gave her the
Speaker 28: information of what she needed to go order and shordered SOW.
Speaker 2: I don't know if it was a so how home
Speaker 2: Depot food bar the order, who knows.
Speaker 28: But it is not diamond. It is a diamond shape.
Speaker 28: I don't know if that changes instead of a square.
Speaker 2: Right now, I'm looking at the diamond shape. There's thirty
Speaker 2: eight so that I see on Home Depot unless unless
Speaker 2: I'm looking at something wrong Mark, but they're showing them
Speaker 2: Dan at least SU's Ann's looking at one on their website. Okay,
Speaker 2: maybe Chris said, Chris said the same thing.
Speaker 19: We're talking in store versus special order through home Deeople.
Speaker 19: But the bottom line too is and I don't know
Speaker 19: if Chris mentioned this, but what I always do as
Speaker 19: a contractor, I always tell my customers, and Home Deeople
Speaker 19: should have advised. That's why I'm with Chris on this.
Speaker 19: Home Deeople needs to take a lot of the blame
Speaker 19: on this because when you install shower walls, nothing ever
Speaker 19: is straight and plumb. When by the time you get
Speaker 19: the underlayment up, the backer you know, the backer board,
Speaker 19: the tile. Home people should have advised this customer, do
Speaker 19: not order the shower door until the walls are up,
Speaker 19: meaning the tile is up.
Speaker 2: You mean just the door, well, just the door.
Speaker 19: But but what I'm saying, Mark, is the the alignment
Speaker 19: the plum from one side to the other can be anywhere.
Speaker 19: When you get done from tara to finish with the tile,
Speaker 19: you can be looking at anywhere from one to two
Speaker 19: inch difference by the time you go from the floor
Speaker 19: to the ceiling. That's why it's critical that customers do
Speaker 19: not order the shower door.
Speaker 15: Dan.
Speaker 2: Don't you think a lot of that would be on
Speaker 2: the contractor because the contractor measured, told her what to order,
Speaker 2: then she ordered it through home depot.
Speaker 19: Now maybe yes, you are totally correct, Mark, the contractor
Speaker 19: should should have advised the customer to everybody.
Speaker 2: Everybody plays a part in this one.
Speaker 19: Everybody plays a part. But yeah, that's the critical information
Speaker 19: though that your customers and your your listeners need to
Speaker 19: need to remember that if you're if you're installing semi
Speaker 19: frameless or are framed showering closures, there's like a three
Speaker 19: inch different So if you say, if you got a
Speaker 19: forty eight inch, I got it, goose down to forty
Speaker 19: six and a half. They'll go like forty six to
Speaker 19: forty nine nine inches, fifty to fifty three inches, So
Speaker 19: it's just really good information.
Speaker 2: Yeah, they did, in fact, thinking about that when our
Speaker 2: shower was just redone, they did everything except for the
Speaker 2: glass and the doors glass as well. Was the very end,
Speaker 2: and I think it was Ken Carroll Glass came out
Speaker 2: and measured it exactly, had a fit and that was
Speaker 2: that was the very last part. Hey, Dan, I really
Speaker 2: appreciate your call. Now, Corey, I do want to do
Speaker 2: something for you. I would like for Susan to email
Speaker 2: our angel at home Depot and see if we can't
Speaker 2: get you at least a full credit or your your
Speaker 2: your mom a full credit on that pan. It looks
Speaker 2: like it's about three hundred bucks and that might help
Speaker 2: things a little. Would that be cool with you?
Speaker 28: Yeah, no, that would be I think that would really
Speaker 28: help her too, because, like I said, the contractor, yeah.
Speaker 8: I got you.
Speaker 2: I don't need to beat a dead horse on this,
Speaker 2: but I think home Depot, most home Depot should refund
Speaker 2: the cost of that without getting the product back, because
Speaker 2: I know they're using it. It created a lot of
Speaker 2: headaches for everybody, and they acknowledge it. So can you
Speaker 2: get a copy of the receipt and get that sent over?
Speaker 2: And hold on, We're going to tell you exactly. Kelly's
Speaker 2: going to tell you exactly where to send that, all right,
Speaker 2: So hold on a second. And what we need is
Speaker 2: a copy of the receipt for our angel at home depot.
Speaker 2: And I bet you maybe if they don't give you
Speaker 2: three hundred bucks, they'll give you three hundred dollars credit.
Speaker 2: But we're going to find out what it is. Hey, Mike,
Speaker 2: what's going on with you? Mike? Yes, go ahead, sir.
Speaker 2: What's your question?
Speaker 24: Buying a house with my daughter?
Speaker 28: There's a way to put it into a trust where
Speaker 28: when I die, the whole ownership goes to her. Yeah,
Speaker 28: and there's no text, infiments, Yeah, consequences. But I don't
Speaker 28: know what the name of that trust.
Speaker 2: You Well, I think there's more than one way to
Speaker 2: do what you're talking about. I'm not exactly sure what
Speaker 2: the name of that trust would be, but I'm not sure.
Speaker 2: I mean, John, I'll bring you in on this, you guys.
Speaker 2: I mean, I just had this conversation with you. You
Speaker 2: did our loan years ago, the all in one and
Speaker 2: we're moving our house into a trust. And I called
Speaker 2: you up and said, is there anything we have to do?
Speaker 2: And you said, no, not really. I mean you guys,
Speaker 2: CMG's good with people doing that.
Speaker 8: Yeah, we lend and trust all the time, you know,
Speaker 8: all sees or something. But you know, trust is pretty typical.
Speaker 8: I think you have to do is it has to
Speaker 8: be a revocable trust. It can't be an irrevocable trust.
Speaker 8: And that's that's I think what you're asking.
Speaker 2: Yeah, I actually, let's get on, hold on, let me
Speaker 2: get one of our experts on. But I don't even
Speaker 2: understand why you would do it that way. I don't
Speaker 2: know why it's this would be for I don't know why,
Speaker 2: for example, you wouldn't buy it, as I always get
Speaker 2: these reverses kills me. Just just buy it, like tenants
Speaker 2: in common? Are you both going to live there?
Speaker 4: No?
Speaker 16: Oh who's going to live there?
Speaker 5: You?
Speaker 18: She will live there?
Speaker 8: Oh?
Speaker 2: Then I guess I don't understand. But you said when
Speaker 2: you die, she gets it. Why doesn't she just buy it?
Speaker 2: You got to help her purchase it? Yes, okay, that
Speaker 2: makes sense. Hold on, let's get our let's get our
Speaker 2: trust expert on hold on Mike, I like that question.
Speaker 2: Three oh three seven one three eight two five five.
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Speaker 12: Time for an insurance check up free, no obligation. In comparison,
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Speaker 13: Three oh three nine two zero sixteen twenty two.
Speaker 2: All right, three oh three seven one three eight two
Speaker 2: five five one line open, Dan McKenzie are expert Will's
Speaker 2: trust in anything along those lines. First of all, thanks
Speaker 2: for coming on, Dan. Quick question. I'm sure it's very simple.
Speaker 2: But you know, Mike called up. He's going to help
Speaker 2: his daughter buy a house when he passes. He wants
Speaker 2: her to own the entire thing. So should they put
Speaker 2: it in a trust? And if so, what kind of
Speaker 2: a trust? I assume it would just be a revocable trust.
Speaker 2: But what say you, Dan, or any advice you have
Speaker 2: on it, and I'll bring Mike up if you have
Speaker 2: any questions for him.
Speaker 30: Yeah, I guess the question really is, like, it sounds
Speaker 30: like this is going to be a gift, and so
Speaker 30: you have some gifts concerns to be thinking about as
Speaker 30: far as whether a gift text return.
Speaker 2: Will need to be filed.
Speaker 30: If he's just going to give her the money to
Speaker 30: buy this house or buy the house and give the
Speaker 30: house to her, then that is a gift and it
Speaker 30: probably is going to exceed what you're allowed to give
Speaker 30: without founding text return, and so that's one consideration. Another
Speaker 30: way to set this up that seemed to be pretty
Speaker 30: popular with our clients is we characterize that the money
Speaker 30: as a loan instead of a gift, and we know
Speaker 30: that they really mean for it to be a gift,
Speaker 30: but we just set it up so that there is
Speaker 30: a interest payment every year, and then the person you
Speaker 30: meant to give the gift just offsets that interest payment.
Speaker 2: So, oh interesting. So Mike, you have any questions on
Speaker 2: what Dan is saying.
Speaker 18: Well, on the on the gift tax portion, if I
Speaker 18: am part owner of the house, there wouldn't be a
Speaker 18: gift tax correct.
Speaker 30: Well, I don't know about that. I mean, how are
Speaker 30: you if you're putting her on the house, Like, are
Speaker 30: you going to buy the house first and an add
Speaker 30: her to it or is that.
Speaker 2: Or are you going to buy it together?
Speaker 18: Buy it together?
Speaker 8: Okay?
Speaker 30: And she contributed money to that or just you correct
Speaker 30: she is?
Speaker 2: So it's almost like it like a married couple, right,
Speaker 2: I mean, honestly.
Speaker 30: Yeah, And the only question is, you know, I don't
Speaker 30: know what your family situation is, Mike, but if you've
Speaker 30: got other children who would expect to get a similar
Speaker 30: gift or you know, be upset if they didn't get
Speaker 30: something like that, you just got to think through, like,
Speaker 30: you know, how is that going to be offset from
Speaker 30: your estate plan if you have one? And yeah, I
Speaker 30: mean people, you know, I always tell people if you're
Speaker 30: going to buy real estate with someone you're not married to,
Speaker 30: you's got to be aware you do not have a
Speaker 30: divorce process available to you to help you sort that
Speaker 30: out if something goes differently than you expected and somebody wants.
Speaker 3: To get out.
Speaker 2: But Dan, here, here's really my question on this, and
Speaker 2: I'll let Mike ask any follow up, But does he
Speaker 2: actually just for the tax aspect if they're both going
Speaker 2: to own it? And buy it, and let's say it's
Speaker 2: joint tendancy. I mean, would it even matter on the
Speaker 2: tax reasons? When Mike dies, she would just get the
Speaker 2: entire house at the original basis, right.
Speaker 30: No, at the new basis the data death value basis.
Speaker 2: The date of his death, even though they both own it.
Speaker 2: So wait a minute, So Suzanne and I right now,
Speaker 2: if we own a house together and I die, she
Speaker 2: simply owns the householy herself, and her basis would be
Speaker 2: the original basis.
Speaker 30: Right, So it's confusing that it's potentially half of the basis.
Speaker 30: Half the value steps up to the data death basis,
Speaker 30: and then when she dies, maybe that second half steps up,
Speaker 30: so there can still be some capital game text.
Speaker 2: Okay, okay, So what kind of a trust would Dan need?
Speaker 2: Just from what you're saying, I mean, when we say
Speaker 2: what kind of a trust, really, that's not even the
Speaker 2: proper word. It just needs to be worded for what
Speaker 2: he wants the trust itself. It's not a particular kind
Speaker 2: of trust.
Speaker 30: Yeah, I mean, I guess the questions would like, what
Speaker 30: the intent this is going to be her house? It
Speaker 30: sounds like she's going to live there and he's not right, correct, Okay, Yeah,
Speaker 30: So I mean, you know, I don't know, I don't
Speaker 30: I don't know if you need a trust necessarily to
Speaker 30: give that house to her. I mean, she might want
Speaker 30: to put it in a trust depending on her family situation,
Speaker 30: but you know, creating a trust potentially and putting it
Speaker 30: in there like if you were to buy it. But
Speaker 30: it sounds like she's going to contribute to it. So
Speaker 30: I just don't know if a trusts to play into
Speaker 30: this or not.
Speaker 2: Yeah, that's kind of where That's kind of where I
Speaker 2: keep going back to. I don't know why he if
Speaker 2: this is all we're talking about is his house. She's
Speaker 2: going to live there, she's going to be on the deed,
Speaker 2: and he's going to He's going to be on the
Speaker 2: deed as well, just to basically help her with the loan.
Speaker 2: But he's not even going to live there. I mean,
Speaker 2: when he dies, it just all becomes hers, right.
Speaker 30: Yeah, I mean you need to be aware it could
Speaker 30: go the other way. I mean, tragically could go the
Speaker 30: other way and she passes away and you're alive. This
Speaker 30: is the intent that to go back to you at
Speaker 30: that point.
Speaker 15: Sure, does she have a significant.
Speaker 12: Other or what?
Speaker 2: Oh, that's a curious part of it.
Speaker 18: Yeah, I would put her and her husband both on
Speaker 18: the if I was going to do a tenancy in
Speaker 18: common Yeah, okay.
Speaker 30: So yeah, Tennessee in common is not joint and it
Speaker 30: does not go to the survivor. Right, So if if
Speaker 30: it's tenancy in common and somebody passes away, their share
Speaker 30: goes to their descendant.
Speaker 2: Yeah, your daughters. So basically he meant, that's my bad
Speaker 2: because I get him confused. He meant joint tenancy. Okay, okay,
Speaker 2: so but but Dan, I really do want to somewhat
Speaker 2: clarify this. If it was joint tendancy, and let's just
Speaker 2: say it went the way he's thinking, he passes first
Speaker 2: and she owns the house, but she's always been on
Speaker 2: the deed. I mean, her basis would still be from
Speaker 2: day one when they purchased it, right, Yeah, there wouldn't
Speaker 2: be a step up in that in that instance. Now,
Speaker 2: if it was joint tenants or tenants in common, there
Speaker 2: would be for that share of it, right.
Speaker 30: I think either way there's a there's a step up
Speaker 30: in the basis.
Speaker 2: For his part of this, for his part either way, yeah, okay,
Speaker 2: where if it's in the trust, there wouldn't be a
Speaker 2: step up.
Speaker 5: Uh.
Speaker 30: I mean these are pretty complex. I always tell you, like, look,
Speaker 30: I'm not the tax expert here actually, but yeah, yeah,
Speaker 30: I don't know if the trust plan, if it's just
Speaker 30: a revocal trust, if it's really gonna you know, get
Speaker 30: rid of or enhance the capital games tax basis she
Speaker 30: gets you know, she's married and it's her primary residence.
Speaker 30: She gets five thousand dollars a game before she hits
Speaker 30: to pay any capital games.
Speaker 29: Tax when she sells the place.
Speaker 30: So there's quite a few different moving variables on that
Speaker 30: part of it.
Speaker 2: Yeah, that's interesting. Where would he take a deeper dive
Speaker 2: into this? I mean, should he call you just offline
Speaker 2: and kind of explain everything or.
Speaker 25: What he could?
Speaker 30: I mean you probably you know, Mike, if you have
Speaker 30: a CPA, I mean, it's I'd be kind of a
Speaker 30: joint effort by both the CPA and the lawyer.
Speaker 2: Just yeah, you know what, Dan mackenzie, I really appreciate
Speaker 2: your time and for anybody out there, whether it's a
Speaker 2: simple will, a complex trust, acid protection, this guy, this
Speaker 2: guy really does do it all. So uh CO plans
Speaker 2: dot co co plans dot co or eight three three
Speaker 2: co plans. But but Mike, I want to I want
Speaker 2: to do something for you real quick. Hey, Kelly, see
Speaker 2: if we can get Eric reinimeir back on. I want
Speaker 2: to ask an account of that, because I'm not so sure, Mike.
Speaker 2: Hold on, I'm still not sure you need even a
Speaker 2: trust just for what we're talking about. But Dan's absolutely right,
Speaker 2: these are accounting questions. I'm going to call up our
Speaker 2: account and hold tight.
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Speaker 12: oh three nine two zero sixteen twenty two.
Speaker 2: All right, don't forget three three. Martino works on and
Speaker 2: off the air. Hey, Mike, I'm going to go to you.
Speaker 2: As soon as we got air a cup. I'll go
Speaker 2: back to you on that question. On the trust and
Speaker 2: buying a house with your daughter. And then Frank Duran,
Speaker 2: I wanted to ask some average days on the market
Speaker 2: in Denver. Now how long? Okay?
Speaker 10: So the latest dMar report mark is fifty five days
Speaker 10: is average days on market?
Speaker 2: And give me an idea what the what the shortest
Speaker 2: term was in the last save five years?
Speaker 10: Oh short, Oh my gosh, they're like eleven days, eleven days,
Speaker 10: five days.
Speaker 5: Oh my.
Speaker 10: There was a time mark when we had like eleven
Speaker 10: days of inventory, so homes were flying off in twenty
Speaker 10: four to forty eight hours.
Speaker 2: So it's like a buyer's market now, you know what, for.
Speaker 10: The single family homes were still technically a seller's market.
Speaker 10: We're under three months of inventory. But for the attached
Speaker 10: market that shifted more into more of a balance market.
Speaker 10: We're sitting just under five months of inventory.
Speaker 2: And attached being what like a condo like condos and
Speaker 2: town homes. So and we were just talking about that
Speaker 2: on the break and Stephanie you said you're dealing with
Speaker 2: one now, the condo as an hoa lawsuit?
Speaker 13: Yeah?
Speaker 2: Is it over insurance like a roof for what?
Speaker 21: No, No, it was builder defects. So great news for
Speaker 21: my personal listing is that's actually in the process of settling. Okay,
Speaker 21: But what we were talking about was days on market
Speaker 21: and how that can increase your days on market.
Speaker 2: Because of a lawsuit. Absolutely, and then when it comes
Speaker 2: to actually financing, John, I mean when a bank or
Speaker 2: a lender looks at it in general and there's any
Speaker 2: kind of pending or lawsuit pending, I mean, that makes
Speaker 2: it really hard because you have no idea what the outcome.
Speaker 8: Is really hard because you usually won't get you insure
Speaker 8: title around it, I mean no title companies. Well, so yeah,
Speaker 8: it's hard to get lending.
Speaker 2: And honestly, Frank, a buyer would be crazy if there's
Speaker 2: a lawsuit pending, such as on a condo, because they
Speaker 2: might walk into a special assessment of one hundred trillion
Speaker 2: zillion dollars I mean, you know, some crazy amount.
Speaker 7: That's true.
Speaker 2: Mark.
Speaker 10: We cast our bars be very careful and watch those
Speaker 10: beatings minutes because sometimes the sellers don't even know themselves
Speaker 10: and it's very important there's rumblings that there might be
Speaker 10: a lawsuit coming up.
Speaker 2: We got to be very careful. That's why you got
Speaker 2: to have a good realtor. That's why we have people
Speaker 2: like Stephanie Thomas and Frank Duran, and lenders like John Clace.
Speaker 2: And we've got a reverse mortgage question. Frank, you'll be
Speaker 2: right after this. But Tom's been holding the longest. Tom,
Speaker 2: what is your question on gifting money? Real quick?
Speaker 3: Hey, Mark, I'll make it quick. My sister in law
Speaker 3: was in a horrific accident back in Michigan about three
Speaker 3: years ago. Long story, fast forward short. She's getting a
Speaker 3: massive settlement. I don't know how much, but she considers
Speaker 3: me family and she wants to share something nice. Well
Speaker 3: it is I kind of don't want her to do that.
Speaker 3: I mean, her accident, her pain per a year in ICU,
Speaker 3: and one million dollars of hospital bills.
Speaker 2: Oh wow, I hope she is. She okay now.
Speaker 3: Though, Oh my god, she's as good as you and
Speaker 3: I are. Oh good, good, good practicely, but she wants
Speaker 3: to give me something. I don't know what that something is.
Speaker 3: Thousand bucks, one hundred thousand bucks, I don't know. Yeah,
Speaker 3: but if all of a sudden I get a check
Speaker 3: in the mail, Yeah, what kind of tax? Am I
Speaker 3: looking at it?
Speaker 2: Well, you won't have to well, I mean, if you
Speaker 2: get a check for over fourteen million dollars, you'll probably
Speaker 2: owe some taxes up to that amount. You're not going
Speaker 2: to owe taxes, really, so she throws me one hundred thousand.
Speaker 3: I don't have I'm not no.
Speaker 2: When you go to your account and you're going to
Speaker 2: have to file a gift tax return, but all it's
Speaker 2: going to do is take away from her life amount
Speaker 2: she can do. And as of right now, that's thirteen
Speaker 2: point nine to nine million. But if it's over eighteen
Speaker 2: thousand in any given year, and these numbers change all
Speaker 2: the time, man, there was one year. I'm pretty sure
Speaker 2: there was one year where there was no limit. I
Speaker 2: forget what year it was, but right now it's basically
Speaker 2: fourteen million. But if it's over eighteen thousand dollars in
Speaker 2: one year, your accountant needs to do a gift tax
Speaker 2: and basically all that does is offset hers the amount,
Speaker 2: I'm sorry, offset you the amount you can get for
Speaker 2: the rest of your life. Does that make sense?
Speaker 3: Absolutely?
Speaker 2: That's it, man, And if it's you and your wife,
Speaker 2: if you are married or whoever, you could get half. Okay,
Speaker 2: all right, Hey, what's your question on reverse mortgages? Frank?
Speaker 2: Thanks for that call. Tom. Hey, Frank, Hi, Hi, Mark
Speaker 2: jah Hi.
Speaker 15: About a year ago last spring, I started investigating in
Speaker 15: reverse markets. I'm seventy five. I looked at I looked
Speaker 15: at Finance America Mutual of Omaha, and they're talking about,
Speaker 15: you know, my house is I'm seventy five at the
Speaker 15: house is worth about three fifty about first year, give
Speaker 15: me like fifteen thousand, then a year later like thirty
Speaker 15: or forty thousand. And I looked at you know, I
Speaker 15: get I saw you're at and uh again, I'm here
Speaker 15: in Cheyenne. So I don't know whether it is that.
Speaker 15: Do you operate their job?
Speaker 2: Yeah, John does. I got a question though, for John
Speaker 2: and you, Frank, I don't understand where he started off.
Speaker 2: But what is he talking about? Fifteen thousand the first
Speaker 2: year than forty I don't even I don't even get that.
Speaker 2: Generally it works two ways, Frank. You either have a
Speaker 2: line of credit and John can kind of punch some
Speaker 2: numbers and tell you what that would look like, or
Speaker 2: you can get one amount per month. I mean, there's
Speaker 2: so many ways to do it. But I don't understand
Speaker 2: the fifteen thousand one year than forty thousand.
Speaker 8: I think you're best quoted there. So the fuck they've
Speaker 8: let me, And how much you can so of the
Speaker 8: total amount you can get, say so three fifty, Say
Speaker 8: you can get a one hundred and forty out of it? Yeah,
Speaker 8: they'll they'll will only give you sixty percent of that
Speaker 8: one forty the first year. Oh and then you get
Speaker 8: the remaining the second year. If you do a fixed
Speaker 8: st rate, you can get it all. But you know,
Speaker 8: if you're not paying anything off, It's like I said,
Speaker 8: you get about three fifty, you get about forty percent
Speaker 8: of that as a loan.
Speaker 2: At seventy five. It's not fifty percent yet, No.
Speaker 8: It's it just never really gets to fifty percent anymore
Speaker 8: unless you're like ninety Yeah.
Speaker 2: So so, Frank, what is your goal? I think that's
Speaker 2: where you start with someone like John. I mean, what
Speaker 2: are you trying to do besides living your house forever?
Speaker 15: I want to look. You know, I've been here since
Speaker 15: two thousand and five. Yeah, I've got about seventy K
Speaker 15: left on the mortgage.
Speaker 23: Okay, I've got I've got a PTI of seven and
Speaker 23: twenty five a month. So that's your only income to
Speaker 23: be able to pay pay off the mortgage? Well, hold on,
Speaker 23: is that your only income Frank.
Speaker 15: My mortgage payments, my mortgage payments.
Speaker 2: Yeah, but I'm saying other, you're only in income, not
Speaker 2: your mortgage payment. Your income is how much each month?
Speaker 15: Oh, sixteen hundred a month?
Speaker 2: SSI sixteen hundred a month. So so eyeball that real quick?
Speaker 9: Yeah?
Speaker 8: Yeah, they just checked to make sure you you can
Speaker 8: afford to pay your property tax and insurance, so you'd
Speaker 8: be good. So yeah, if you owed seven, if you
Speaker 8: owe seventy, you're going to.
Speaker 2: Get that seventy paid off to ninety.
Speaker 8: Then you're gonna get about, you know, about seventy grand
Speaker 8: on top of that, which of the first year you
Speaker 8: can get maybe forty two, forty five thousand.
Speaker 2: Well that's why I was asking him, wouldn't he be
Speaker 2: better off? I mean, Frank, would you rather have a
Speaker 2: certain amount monthly? Or would you do you want to
Speaker 2: lump some of cash you can use? I don't know,
Speaker 2: That's what I meant. What are you trying to do?
Speaker 15: Okay, Well, he wants to ump.
Speaker 2: To pay off the seventy.
Speaker 8: You do that, so you get the seventy and still
Speaker 8: a line of credits. Better unless he has to use
Speaker 8: a lot of money after the seventy because this because
Speaker 8: the line of credit will get up.
Speaker 2: So here I get it. I I know what you're saying.
Speaker 2: So frank it's pretty simple. You would basically go into
Speaker 2: the reverse product. You would no longer have a mortgage
Speaker 2: payment at all. That seventy would be gone, and then
Speaker 2: you would have a line of credit for around seventy thousand.
Speaker 2: Or isn't there a way you can get a certain
Speaker 2: amount per month?
Speaker 8: Yes, there is. It's called the tenure payment, which you
Speaker 8: could get you know, five hundred and six.
Speaker 2: We'd run the run. Or what you can do is
Speaker 2: add on to that sixty sixteen hundred you're getting from
Speaker 2: SSI and add another five or six hundred a month
Speaker 2: for X amount of time. So therefore you're guaranteed you know,
Speaker 2: two thousand whatever that looks like over whatever period of time.
Speaker 15: Oh wow, now I'm really getting confused. Which way to
Speaker 15: go here?
Speaker 2: Well that's why John will talk to you. I mean
Speaker 2: the radio. The radio is no place to do it
Speaker 2: right here to go into your personal details. But I mean,
Speaker 2: really called John up. He can lend in all fifty states.
Speaker 2: He's the bank, and quite frankly, he's going to have
Speaker 2: less cost. I guarantee he's gonna have less cost than
Speaker 2: Omaha or anybody else you did, because he's a direct lender.
Speaker 2: He's the bank. He's not even what i'd call a
Speaker 2: direct lender. He's literally the bank. So I mean, he
Speaker 2: knows the underwriters, he knows every part of it. He's
Speaker 2: going to be your best option. So just call him
Speaker 2: off air.
Speaker 15: Okay, Okay, so I should just have John call me
Speaker 15: at my.
Speaker 8: Numbers.
Speaker 2: What we're gonna do. I'm gonna make it easy for
Speaker 2: you and do that, so Kelly or Suzanne will pick up.
Speaker 2: I'm going to put you on hold. Frank, sit there,
Speaker 2: We're going to get your first last name and your
Speaker 2: phone number, and John, you'll you'll call him up later on,
Speaker 2: and let's do that for him. See that's kind of funny.
Speaker 2: A lot of people don't even know what they want.
Speaker 2: I would think because of his income, it would be
Speaker 2: nice to boost that, but he might want that line
Speaker 2: of credit in case he wants to buy a new Tesla.
Speaker 2: I mean, I don't know what he wants to do.
Speaker 8: The nice thing about as you get rid of the
Speaker 8: mortgage payment, that instantly goes to your income.
Speaker 2: Okay, Hey, Mike, real quick, I've got Eric rhinimir on,
Speaker 2: I gotta take this break. We're gonna quiz the accountant
Speaker 2: on all the tax ramifications of you and your daughter
Speaker 2: buying the house together.
Speaker 12: So hold tight, all right, Mike, go with a sure
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Speaker 13: You don't pay a cent until you're content than.
Speaker 12: Time for an insurance check up, free no obligation comparison
Speaker 12: call Compass Insurance paying too much your coverage at dozens
Speaker 12: of insurance companies find out now three oh three seven
Speaker 12: to seven to one.
Speaker 2: Help.
Speaker 12: You'll think you're his only customer when you choose Frank
Speaker 12: durand the real estate Man dot com to list your
Speaker 12: home with Remax Alliance three oh three nine two zero
Speaker 12: sixteen twenty two.
Speaker 2: All right, three oh three seven one three A two
Speaker 2: five five, Uh, don't forget three oh three. Martino works
Speaker 2: on and off the air. Tell your neighbors. Eric Reinimere,
Speaker 2: I'm gonna bring Mike back on. Hey, thanks for coming
Speaker 2: back on, Eric, real quick question. He's gonna buy a house.
Speaker 2: It doesn't matter if him and his daughter or two
Speaker 2: people not married but unmarried people. It happens to be
Speaker 2: himself and his daughter. Mike and his daughter, they're going
Speaker 2: to buy a house. They're both gonna chip in on it.
Speaker 2: They're both gonna be on the deed. Mike's not going
Speaker 2: to live there, the daughter is going to live there.
Speaker 2: So when he passes away, let's say he passes away first,
Speaker 2: where her basis change at all? In other words, half
Speaker 2: of her basis won't step up, right because she actually
Speaker 2: owns a house the same day he does. It's not
Speaker 2: like he's gonna he's gonna quit claim it to her
Speaker 2: years later. They're both gonna buy it together. They're gonna
Speaker 2: probably buy it. Is a joint tenancy, So does the
Speaker 2: basis get affected at all?
Speaker 20: That's an interesting question. If it's joint tenancy, then what
Speaker 20: happens if if he were to pass away simply well.
Speaker 2: That's Eric, I swear to God, this is not your fault.
Speaker 2: It's mine. It's not I get these mixed up every time.
Speaker 2: They're gonna buy it, just like a couple would buy it,
Speaker 2: like Susanne and I tenants in common.
Speaker 3: Right.
Speaker 20: Well, still, even though if he passes away, I would
Speaker 20: think that she would still get a bit of a
Speaker 20: step up and basis because of his asset, which is appreciated,
Speaker 20: which she should get a step up for his half
Speaker 20: for the basis and the property.
Speaker 2: It seems to me so well, I mean, you're the accountant.
Speaker 2: If this actually happened, if he passed away and she
Speaker 2: goes to file his taxes and the house went up
Speaker 2: a million dollars, I mean, what's your basis in the house?
Speaker 20: Well, they get to decide. Here's a tricky thing when
Speaker 20: you buy it together. They get to decide who's putting
Speaker 20: in the money. Are they co owning it with equal ownership?
Speaker 2: How are you doing that, Mike, Probably be co ownership equal,
Speaker 2: so it'll be so you both are putting in the
Speaker 2: same amount of money. Yes, yes, So there you go.
Speaker 20: And what's the rough value of the house bike that
Speaker 20: you're buying, Probably around eight hundred And is it going
Speaker 20: to be her so you're participating but it's her principal residence.
Speaker 18: Yes, yeah.
Speaker 20: So the other piece about this is you like to
Speaker 20: maximize it to where somehow you can take advantage of that,
Speaker 20: you know, two to fifty thousand dollars exclusion of gain
Speaker 20: on the sale of a personal residence, So that my
Speaker 20: guess is it for her? She might never have any
Speaker 20: tax impact whatsoever. I mean, will she live in it forever?
Speaker 20: What's the kind of the timeline.
Speaker 18: She's only thirty now, so I don't know how long
Speaker 18: should live in there.
Speaker 2: Yeah, but even if if she lived in it for whatever,
Speaker 2: five years, go ahead, Eric.
Speaker 20: Yeah, yeah, this is this is kind of an interesting
Speaker 20: twister situation. But no matter what it seems to me,
Speaker 20: she should get a step up if they co own
Speaker 20: the house, and if Mike, you were passed away, and
Speaker 20: if that half of that is your asset, which to
Speaker 20: me that happened, it's yours should get stepped up to
Speaker 20: the fair market value of what it is when you
Speaker 20: pass so that she would get that step up.
Speaker 15: Mark that.
Speaker 20: That's how I would treat it.
Speaker 2: Would it be just would it be just a step
Speaker 2: up on his fifty percent of the house or the
Speaker 2: entire house?
Speaker 20: Yeah, no, only on his fifty percent. That happens all
Speaker 20: the time when a couple own something and one person
Speaker 20: passes away, the step up the spouse gets a step
Speaker 20: up on the half that belonged to the other spouse. Yeah,
Speaker 20: whether or not it's a business or a house.
Speaker 2: Or whatever, Yeah, it doesn't matter. So the interesting part is,
Speaker 2: can you think of any way inside of a trust.
Speaker 2: And we kind of asked our trust expert the same question.
Speaker 2: And I'm not saying he said there's no way to
Speaker 2: protect that her side of it. But have you seen
Speaker 2: anything done through a trust or anything you can think of,
Speaker 2: eric that would make it to where when Mike passed
Speaker 2: her side and his side would both jump up to
Speaker 2: that basis. Let me give you an example. Is it
Speaker 2: possibly he could owe he could own ninety percent and
Speaker 2: her ten percent, So then ninety percent when he passed
Speaker 2: away would become the basis, but she still gets all
Speaker 2: the other benefits of the home ownership.
Speaker 20: Well, that's tricky.
Speaker 26: It is way.
Speaker 20: You can't have it both ways where you're giving him
Speaker 20: ninety percent but then calling her her personal residence. The
Speaker 20: other issue that comes up is who's going to what
Speaker 20: is it going to be a mortgage on the property? No, okay,
Speaker 20: so you're paying cash on it?
Speaker 2: Yeah?
Speaker 3: Yeah.
Speaker 20: The only thing I will mention about trust I have
Speaker 20: I know from talking to attorneys, they often might advise
Speaker 20: that the sale of what is a personal residence, sometimes
Speaker 20: it's better to have it inside of what they call
Speaker 20: a residence trust to make it much easier in case
Speaker 20: one of the other person gets disabled, it can make
Speaker 20: it be easier for the remaining party. Yeah, to inside
Speaker 20: of what they call.
Speaker 2: All right, Hey, Eric, I'm sorry, I'm up against this
Speaker 2: in a Mike, Mike, I think you should call Dan
Speaker 2: Mackenzie or Eric Reinemer. They're both at LIS Firms, and
Speaker 2: Mackenzie are both on a referral list. Mike, I hope
Speaker 2: I at least helped you a little bit. I feel
Speaker 2: like we left some questions open. Maybe we can figure
Speaker 2: him out another day. Don I'll talk to you tomorrow.
Speaker 2: This is the Troubleshooter Network.