WEBVTT 1 00:00:00.320 --> 00:00:09.839 Yeah, ripped off, bad news, you need advice. 2 00:00:09.480 --> 00:00:10.359 So you don't have. 3 00:00:12.519 --> 00:00:13.279 Come running. 4 00:00:13.320 --> 00:00:18.399 It's just as fast as we can. Shooter's gonna help coming. 5 00:00:18.760 --> 00:00:18.960 Man. 6 00:00:19.719 --> 00:00:21.839 This is the Troubleshooter Show. 7 00:00:22.480 --> 00:00:26.839 No Tom Martinez, Welcome, Welcome, my friends to the only 8 00:00:26.960 --> 00:00:27.640 show if it's kind. 9 00:00:27.640 --> 00:00:31.199 We're here to solve problems, answer questions, take complaints. Here's 10 00:00:31.239 --> 00:00:33.280 the bottom line. If you've been ripped off or taking 11 00:00:33.320 --> 00:00:36.840 advantage of, or just have a problem, maybe something's bruin 12 00:00:36.920 --> 00:00:39.079 in your brain right now and you want some advice, 13 00:00:39.479 --> 00:00:42.000 this is the place for you. Whether it's a bad 14 00:00:42.119 --> 00:00:45.079 contractor whether it's what kind of Internet should I get? 15 00:00:45.759 --> 00:00:48.600 Doesn't matter what it is. We are here for you 16 00:00:48.679 --> 00:00:51.119 to pick our brain. We always have experts in studio 17 00:00:51.200 --> 00:00:54.640 with us. Today I am proud to say I've got 18 00:00:54.679 --> 00:00:58.359 Frank Durand the real estate man, a good friend of mine. Frankie, 19 00:00:58.399 --> 00:00:59.439 how are you doing? 20 00:01:00.280 --> 00:01:02.240 I am well friend, Good to see you. Good morning 21 00:01:02.280 --> 00:01:02.439 to you. 22 00:01:02.799 --> 00:01:05.840 I have not seen you in three to four weeks, 23 00:01:05.840 --> 00:01:09.879 so it's good seeing you again. We also have Stephanie Thomas. Stephanie, 24 00:01:09.920 --> 00:01:12.480 how are you doing? She is our realtor extraordinary in 25 00:01:12.560 --> 00:01:16.159 Colorado Springs. I'm great, How are you. I'm doing very 26 00:01:16.200 --> 00:01:20.840 good this morning. And then John Clace CMG Home Loans. 27 00:01:21.920 --> 00:01:24.719 Very curious guy. Unlike a lot of people we've talked 28 00:01:24.719 --> 00:01:28.200 about in the past, John, you actually work for the bank, 29 00:01:28.400 --> 00:01:30.719 which I actually love we do. 30 00:01:30.799 --> 00:01:34.000 We have direct access to everything we do in the 31 00:01:34.000 --> 00:01:37.000 house and proprietary lending programs also. 32 00:01:37.200 --> 00:01:39.599 And then for people listening on our podcast, you can 33 00:01:39.680 --> 00:01:42.359 loan around the country. We can do all states, every 34 00:01:42.400 --> 00:01:44.959 single state. You can do whatever. I mean, it doesn't 35 00:01:44.959 --> 00:01:50.200 matter traditional thirty or mortgages fifteen, the all in one loan, 36 00:01:50.359 --> 00:01:53.599 you can do reverse mortgages. You've got a plethora of 37 00:01:53.680 --> 00:01:54.799 products we do. 38 00:01:54.879 --> 00:01:57.760 We can do pretty much. If you have a lending need, 39 00:01:57.799 --> 00:01:58.959 we should be able to do it. 40 00:01:59.079 --> 00:02:01.079 Do you do a lot of stuff? Were the realtors 41 00:02:01.120 --> 00:02:02.040 out of curiosity? 42 00:02:02.359 --> 00:02:05.280 We do well, you know, obviously they're they're they're they're 43 00:02:05.280 --> 00:02:08.280 a lifebread of the real estate industry, so we'd love 44 00:02:08.319 --> 00:02:10.759 to do it, you know for people out there, I mean, 45 00:02:10.879 --> 00:02:13.599 and Frank and Stephanie can do I mean, you pretty 46 00:02:13.639 --> 00:02:16.240 much have to get pre qualified before you go looking 47 00:02:16.280 --> 00:02:17.639 for properties these days. 48 00:02:17.840 --> 00:02:20.080 And you guys were talking about new home buyer stuff. 49 00:02:20.080 --> 00:02:21.879 We're gonna dig into that today. By the way, we 50 00:02:21.919 --> 00:02:23.879 do have lines open. I want to hear from you. 51 00:02:23.960 --> 00:02:26.960 Three oh three seven one three eight two five five 52 00:02:27.039 --> 00:02:30.719 three zero three Martino, any question comment you got, We'd 53 00:02:30.719 --> 00:02:33.759 love to hear from you. Three zero three seven one 54 00:02:33.840 --> 00:02:39.479 three eight two five five tariffs. Wow, John, you're kind 55 00:02:39.520 --> 00:02:41.719 of a money guy. I'll pick your brain. Frank and 56 00:02:41.719 --> 00:02:46.000 Stephanie two. I guess Trump just slapped another twenty five 57 00:02:46.039 --> 00:02:49.800 percent and brought it up to fifty percent on aluminum 58 00:02:50.280 --> 00:02:54.639 in steel coming in from Canada. The guy from Ontario 59 00:02:55.719 --> 00:02:59.520 is threatening to cut off power I guess to New 60 00:02:59.599 --> 00:03:03.800 York in some parts of Pennsylvania. I didn't even realize 61 00:03:04.360 --> 00:03:07.919 we got that much power from these guys. Can you 62 00:03:08.000 --> 00:03:11.439 imagine if they did that? Can you imagine. 63 00:03:10.960 --> 00:03:12.759 Playing a dangerous game of chicken? 64 00:03:12.800 --> 00:03:13.039 Mark? 65 00:03:13.240 --> 00:03:15.879 I would not play chicken with Trump in a million years. 66 00:03:16.240 --> 00:03:18.479 I do not see this guy back and down. He's 67 00:03:18.520 --> 00:03:22.479 dealing with China, he's dealing with Mexico. And if Canada 68 00:03:22.520 --> 00:03:26.120 is trying to set the pace on this, they're absolutely crazy. 69 00:03:26.360 --> 00:03:29.879 I don't think people realize this. If he starts tariffing 70 00:03:29.919 --> 00:03:33.960 the auto parts, their entire industry's pretty much gone. That's 71 00:03:34.000 --> 00:03:37.560 pretty much what they do that auto parts employees, I 72 00:03:37.560 --> 00:03:40.719 think more people than anybody there. I didn't realize they 73 00:03:40.840 --> 00:03:44.000 teariffed us as well, like two hundred and fifty percent 74 00:03:44.039 --> 00:03:46.840 on dairy and all these tariffs they have on us. 75 00:03:47.159 --> 00:03:50.680 The trade in balance is crazy. This number is probably old, 76 00:03:50.719 --> 00:03:53.280 but it was like three hundred and fifty billion to 77 00:03:53.319 --> 00:03:56.680 one hundred billion or something around there. I mean, completely 78 00:03:56.800 --> 00:03:59.840 upside down. I don't know what people's thoughts on it are. 79 00:04:00.120 --> 00:04:02.960 I'll tell you what. Watching the stock market, Wow, is 80 00:04:03.000 --> 00:04:03.879 it gut wrenching. 81 00:04:04.599 --> 00:04:06.960 Yeah, nobody really knows which way it's gonna go and 82 00:04:07.000 --> 00:04:08.919 how long will take. I mean I think people I 83 00:04:08.919 --> 00:04:11.319 think it's gonna level out. Oh I do too. I 84 00:04:11.360 --> 00:04:14.360 think people. You know, we needed to change, that's for sure. 85 00:04:14.599 --> 00:04:16.560 Oh my god, joh. We had to have a change. 86 00:04:16.600 --> 00:04:19.720 We were basically going broke. I mean, we simply couldn't 87 00:04:19.720 --> 00:04:22.079 afford it. One of the things Elon figured out through 88 00:04:22.160 --> 00:04:26.600 Doze was, you know, just our debt payment is basically 89 00:04:26.600 --> 00:04:29.839 the same amount we spend on security, I mean really 90 00:04:29.879 --> 00:04:32.800 on the military, on everything. I mean, that's an incredible 91 00:04:32.839 --> 00:04:36.120 amount just on the debt service interest alone. 92 00:04:36.839 --> 00:04:39.839 It is insane, and that you know this terriff, will 93 00:04:39.839 --> 00:04:41.759 see if it turns around. But I think it's more 94 00:04:41.920 --> 00:04:44.439 we want them to bring tariffs down against us. 95 00:04:44.600 --> 00:04:46.959 I think, don't you think in general, guys, it would 96 00:04:46.959 --> 00:04:50.120 be fair if someone tariffs you ten percent, you tariff 97 00:04:50.120 --> 00:04:53.279 from ten back, five to five, ten to ten, twenty 98 00:04:53.360 --> 00:04:56.319 to twenty, or you make a deal because maybe it's 99 00:04:56.319 --> 00:04:59.519 something you don't have and something they have. Plenty of 100 00:05:00.120 --> 00:05:03.759 vice versa. So there's different ways to do trade, evenly. 101 00:05:04.120 --> 00:05:06.000 But when we look at some of these trades, I 102 00:05:06.000 --> 00:05:08.879 didn't realize, like Germany, on a lot of cars we 103 00:05:08.920 --> 00:05:12.000 bring in there, there's a ton of money they tariff us, 104 00:05:12.160 --> 00:05:14.240 and people say, well, it's not as much as you're 105 00:05:14.240 --> 00:05:17.160 making out, but yeah, if you factor in the luxury 106 00:05:17.240 --> 00:05:20.240 tax and all these other fees and taxes and everything 107 00:05:20.279 --> 00:05:22.920 else they have, which you're pretty much like a tariff, 108 00:05:22.959 --> 00:05:28.000 it's absolutely insane. It is insane. But the stock market 109 00:05:28.680 --> 00:05:32.040 is just god. I can't believe what a wild ride 110 00:05:32.040 --> 00:05:32.360 it is. 111 00:05:32.480 --> 00:05:33.920 Mark, have you ever read Art of the Deal? 112 00:05:34.519 --> 00:05:37.040 I have not read it, Frank, And if anybody in 113 00:05:37.079 --> 00:05:39.079 the world should have read it by now, it's me, 114 00:05:39.160 --> 00:05:40.079 But I have not read it. 115 00:05:40.160 --> 00:05:41.040 Have you great book? 116 00:05:41.079 --> 00:05:41.319 I have. 117 00:05:41.720 --> 00:05:44.160 Well, I read it on audio because when I drive 118 00:05:44.199 --> 00:05:46.920 I listen to books a lot. But great book in depth. 119 00:05:47.240 --> 00:05:49.920 All right, well, give us some insight on it. So 120 00:05:50.160 --> 00:05:53.560 like what we're seeing right now, just let's just take Canada. 121 00:05:53.959 --> 00:05:57.120 Are we watching it unfold right in front of us? Well? 122 00:05:57.240 --> 00:05:59.240 Trump, you know in the book he talks a lot 123 00:05:59.279 --> 00:06:01.920 about keeping his options open. He would he would talk 124 00:06:01.920 --> 00:06:03.800 about that a lot, and he would use the law 125 00:06:03.879 --> 00:06:06.519 of time pressure. That's one of the negotiating tactics in 126 00:06:06.560 --> 00:06:07.360 a real negotiation. 127 00:06:07.399 --> 00:06:09.920 So well you use that, yeah, And he would use 128 00:06:09.959 --> 00:06:11.240 the law of time pressure very well. 129 00:06:11.279 --> 00:06:13.560 Explain what that is to people. I mean basically, you 130 00:06:13.560 --> 00:06:15.319 put him up, I need an answer by two. 131 00:06:15.600 --> 00:06:18.639 Yeah, right, And so basically three key nerve points of 132 00:06:18.639 --> 00:06:21.959 a negotiation or time pressure, information power, walkaway power. So 133 00:06:22.759 --> 00:06:26.439 he's very skilled at positioning himself in those negotiations where 134 00:06:26.439 --> 00:06:28.279 he has all three of those in quite abundance. So 135 00:06:28.959 --> 00:06:31.240 he might say something like like in the book, he 136 00:06:31.279 --> 00:06:33.639 talks about he was negotiating something and somebody says, well, 137 00:06:33.639 --> 00:06:35.680 I need to talk to a higher up person. He 138 00:06:35.720 --> 00:06:38.279 would try to take that person's resort to hire authority 139 00:06:38.279 --> 00:06:40.920 away to negotiate directly. With that person, put put a 140 00:06:40.920 --> 00:06:43.040 time pressure on him, and many times you get a 141 00:06:43.079 --> 00:06:43.680 better deal that way. 142 00:06:43.680 --> 00:06:45.439 But what do you mean he tried to That made 143 00:06:45.439 --> 00:06:47.480 me think of like when you go in to buy 144 00:06:47.519 --> 00:06:50.399 a car. You know, you're buying a car, and exactly goes, hey, 145 00:06:50.439 --> 00:06:52.920 I got to go negotiate and ask my manager. Yes, 146 00:06:52.959 --> 00:06:55.920 And really, what you think is he's going into the 147 00:06:55.959 --> 00:06:58.759 back room and you know, you know, playing a game 148 00:06:58.759 --> 00:07:01.759 of checkers, having some car. Then he comes out. I mean, 149 00:07:01.839 --> 00:07:02.680 is that what you're saying? 150 00:07:02.920 --> 00:07:04.399 That's exactly what But who are. 151 00:07:04.240 --> 00:07:07.360 You taking it away from? You're telling him, don'co talk 152 00:07:07.399 --> 00:07:08.680 to the other guy I want to deal. 153 00:07:08.600 --> 00:07:10.399 With because that's one of the rules in the negotiation. 154 00:07:10.439 --> 00:07:11.639 A lot of people will say I got to go 155 00:07:11.680 --> 00:07:14.839 to my manager, the result of what's called higher authority. 156 00:07:15.240 --> 00:07:17.839 Trump was a master at taking that away and directly 157 00:07:17.879 --> 00:07:18.879 negotiating with the person. 158 00:07:20.319 --> 00:07:21.920 Yeah, the person that claimed you how to go to 159 00:07:21.959 --> 00:07:22.519 the higher thority. 160 00:07:22.560 --> 00:07:24.319 Oh, I see what you're saying. Hey, I don't care 161 00:07:24.319 --> 00:07:25.959 what your boss has got to say. I want to 162 00:07:25.959 --> 00:07:28.839 make a deal with you. Exactly. So what's another good example. 163 00:07:29.040 --> 00:07:32.519 Oh gosh, he talks so much in this book. Boy, 164 00:07:32.560 --> 00:07:32.920 I'm trying. 165 00:07:32.959 --> 00:07:33.079 Mark. 166 00:07:33.319 --> 00:07:34.839 It's been a few years since I've read that book, 167 00:07:34.879 --> 00:07:38.040 but I would say that the law of walkaway power 168 00:07:38.439 --> 00:07:40.680 Trump when a deal no longer makes sense to him. 169 00:07:40.879 --> 00:07:42.959 He's not afraid to walk away. To walk away, You're 170 00:07:43.079 --> 00:07:44.040 like that, Mark, You're like that. 171 00:07:44.120 --> 00:07:46.480 I've seen you in negotiations where you're not afraid to 172 00:07:46.519 --> 00:07:49.319 walk away, and that actually puts pressure on the other 173 00:07:49.360 --> 00:07:51.000 person that they're pressed to make a sacky I. 174 00:07:50.959 --> 00:07:53.879 Think he did that. God, I'm going way back, but 175 00:07:53.959 --> 00:07:54.800 I'm pretty sure. 176 00:07:55.279 --> 00:07:55.519 Yeah. 177 00:07:55.600 --> 00:07:58.879 I don't think he was in North Korea. He might 178 00:07:58.920 --> 00:08:01.759 have been Yea, but I think he literally got up 179 00:08:01.800 --> 00:08:06.279 and left on the little rocketman Kim Jong Ung. I mean, 180 00:08:06.399 --> 00:08:08.879 like literally they were there. I doubt he went to 181 00:08:09.279 --> 00:08:11.959 North Korea, but wherever then, I doubt they met in 182 00:08:12.000 --> 00:08:14.600 South Korea. They might have met in China somewhere, but 183 00:08:14.720 --> 00:08:17.879 I thought they were somewhere and something was going on 184 00:08:17.959 --> 00:08:21.879 and Trump was like later because no other world leader, 185 00:08:22.160 --> 00:08:24.040 I mean, for the most part, would ever even talk 186 00:08:24.079 --> 00:08:26.560 to this guy, at least in the Western very bold. 187 00:08:27.120 --> 00:08:29.519 It is very bald. So you got walk away, you 188 00:08:29.600 --> 00:08:36.039 got time. Yeah, it's kind of nuts. I'm just watching 189 00:08:36.120 --> 00:08:40.639 the sausage being made can get to you a little bit. 190 00:08:40.720 --> 00:08:42.799 You got to agree with that, John, I mean, we're 191 00:08:42.840 --> 00:08:46.480 not we're kind of used to Biden and Biden. We 192 00:08:46.480 --> 00:08:50.200 wouldn't know anything. I mean literally, we would know absolutely nothing. 193 00:08:50.240 --> 00:08:52.519 And I think we found out that it really wasn't Biden. 194 00:08:52.840 --> 00:08:55.759 I think I read that everything was robo signed or 195 00:08:55.960 --> 00:08:57.720 I mean, I don't know how true that stuff is, 196 00:08:57.759 --> 00:09:01.240 but I mean, really regards, listen to what we never 197 00:09:01.679 --> 00:09:05.720 seen anything in front of us unfold like this, and 198 00:09:05.960 --> 00:09:09.279 it can be h It can be a little much 199 00:09:09.399 --> 00:09:11.559 watching the sausage being made. 200 00:09:11.600 --> 00:09:13.840 And I think that's why the market's doing what it's doing. 201 00:09:14.039 --> 00:09:16.000 It is people don't know what to think about it. 202 00:09:16.559 --> 00:09:18.559 And you got to think long term, if we actually 203 00:09:18.559 --> 00:09:20.639 bring all the jobs back. First of all, I don't 204 00:09:20.639 --> 00:09:23.960 think there's gonna be a terrafor for that long. But god, 205 00:09:24.000 --> 00:09:26.600 I don't know. I mean, when that guy from Ontario 206 00:09:27.519 --> 00:09:32.159 steps in and basically says we're gonna go ahead and 207 00:09:32.440 --> 00:09:36.919 cut the power off, I'm like, what the hell? I'd mean, 208 00:09:37.039 --> 00:09:41.720 Manhattan talks about an escalation. Can you even how do 209 00:09:41.759 --> 00:09:45.200 you think we would respond to that? Honestly? How do 210 00:09:45.240 --> 00:09:47.600 you respond? And then I don't even know this. Can't 211 00:09:47.639 --> 00:09:50.360 we just switch that over to our own grid? I mean, 212 00:09:50.440 --> 00:09:53.399 are these people like legitimately out of power? I would 213 00:09:53.480 --> 00:09:55.559 find that extraordinary. 214 00:09:56.639 --> 00:09:58.480 That would be hard to believe. But I'm sure they 215 00:09:58.519 --> 00:10:00.000 would have to do like California. 216 00:10:00.000 --> 00:10:00.600 And does the. 217 00:10:00.639 --> 00:10:03.840 Rolling have to do something you know type thing? 218 00:10:04.120 --> 00:10:06.200 I have no idea how that would work if they 219 00:10:06.200 --> 00:10:07.960 cut it off. All right, I got to take a break. 220 00:10:08.000 --> 00:10:10.120 We've got three lines open. I do want to hear 221 00:10:10.159 --> 00:10:12.279 from you on any of this, and then, of course 222 00:10:12.320 --> 00:10:15.159 your problems. What we do at heart is dig in 223 00:10:15.519 --> 00:10:18.360 and try to get your money back. Exposed to bad guys, 224 00:10:18.679 --> 00:10:23.399 give you realizations three zero three seven one three talk. 225 00:10:28.039 --> 00:10:31.279 Go with a sure thing Denver's best roofer Excel Roofing 226 00:10:31.399 --> 00:10:31.960 dot com. 227 00:10:32.000 --> 00:10:34.039 You don't pay a cent until you're content. 228 00:10:37.399 --> 00:10:40.600 Time for an insurance check up free, no obligation comparison 229 00:10:40.720 --> 00:10:44.240 call Compass Insurance paying too much your coverage at dozens 230 00:10:44.279 --> 00:10:47.039 of insurance companies find out now three all three seven 231 00:10:47.039 --> 00:10:49.399 to seven to one help. You'll think you're his only 232 00:10:49.480 --> 00:10:51.960 customer when you choose Frank durand the real estate Man 233 00:10:52.000 --> 00:10:55.399 dot com to list your home with Remax Alliance three 234 00:10:55.480 --> 00:11:01.080 all three nine two zero sixteen twenty two. 235 00:11:02.720 --> 00:11:05.120 All right, three oh three seven one three eight two 236 00:11:05.279 --> 00:11:07.840 five five. We would love to hear from you. We 237 00:11:07.919 --> 00:11:10.600 got a full house. We also have Deputy D gonna 238 00:11:10.639 --> 00:11:12.720 show up. I guess he's I don't know if he's 239 00:11:12.720 --> 00:11:15.759 coming in. Susanna's Deputy D. Yup, yup, yup, yup? Uh 240 00:11:15.879 --> 00:11:18.679 three zero three seven one three a two five five. 241 00:11:18.759 --> 00:11:20.799 Let me ask you guys about this. Oh, let me 242 00:11:20.799 --> 00:11:23.559 tell you about Paul the water man. Check this out. 243 00:11:25.440 --> 00:11:27.279 I got to pull this one up. He just he 244 00:11:27.399 --> 00:11:31.200 texted me this last night, Paul Downing. Okay, now through 245 00:11:31.240 --> 00:11:35.799 Easter the can i Eco Promax thirty nine ninety five. 246 00:11:36.639 --> 00:11:40.200 This thing does everything, absolutely everything. It gets rid of 247 00:11:40.240 --> 00:11:44.000 chlorine in your water, It softens your water. On top 248 00:11:44.039 --> 00:11:47.600 of that, it gets rid of forever chemicals. And then 249 00:11:47.879 --> 00:11:51.279 on top of that system for free, you're going to 250 00:11:51.320 --> 00:11:55.960 get a reverse osmosis system as well. All your water 251 00:11:56.039 --> 00:11:58.799 is going to be covered. All for thirty nine ninety five. 252 00:11:58.840 --> 00:12:01.039 You're not going to find a better d Most people 253 00:12:01.120 --> 00:12:04.480 sell water softeners for that amount of money. And I'm 254 00:12:04.480 --> 00:12:07.799 not kidding just the water softener. When we bought our 255 00:12:07.879 --> 00:12:11.919 system from Paul, we shopped around everywhere and everybody was 256 00:12:11.960 --> 00:12:15.240 at least double. You're gonna absolutely love it. Check him out. 257 00:12:15.240 --> 00:12:17.200 And this is only through Easter, so I mean you 258 00:12:17.279 --> 00:12:20.360 got some time for sure, but that is a heck 259 00:12:20.720 --> 00:12:23.840 of a deal. Check him out at waterpros dot net. 260 00:12:23.879 --> 00:12:29.039 That'swaterpros dot net. Now let's talk real quick about Elon Musk. Guys, 261 00:12:30.200 --> 00:12:33.279 I want opinions on it. John, It appears is I 262 00:12:33.320 --> 00:12:36.240 mean Tesla stock. I own a bunch of it. Luckily 263 00:12:36.279 --> 00:12:38.600 I'm in around one hundred and ten bucks on most 264 00:12:38.639 --> 00:12:41.200 of it, but I definitely have bought some at higher 265 00:12:41.240 --> 00:12:45.200 than that. Wow, is it getting hit? It was at 266 00:12:45.200 --> 00:12:47.960 four eighty now it's down for whatever reason. It's doing 267 00:12:48.000 --> 00:12:50.720 a little better today. But do you think it's fair 268 00:12:50.799 --> 00:12:55.879 he's getting punished for this. People are firebombing, fire bombing, 269 00:12:56.120 --> 00:13:01.279 like charging stations, molotov cocktails. I think right here in Lovelander, 270 00:13:01.440 --> 00:13:06.200 somewhere some dealership, somebody was trying to set a bomb 271 00:13:06.240 --> 00:13:08.559 off or something. Something happened. 272 00:13:08.759 --> 00:13:10.879 Yeah, that was National News. They said they've hit him 273 00:13:10.879 --> 00:13:11.600 like three times. 274 00:13:11.720 --> 00:13:15.399 Yeah, I mean, it's crazy in their hate Dimitri, and 275 00:13:15.480 --> 00:13:18.799 they're punishing this guy big time on it. 276 00:13:19.000 --> 00:13:21.159 Yeah, it's it's kind of the opposite of what you 277 00:13:21.240 --> 00:13:24.360 see when let's just say the black lives matters, it's, 278 00:13:24.720 --> 00:13:26.799 you know, your violence. We're trying to get away from 279 00:13:26.799 --> 00:13:29.360 the violence. And you know it's terrible. 280 00:13:29.480 --> 00:13:31.799 Well, the Democrats lead this. I mean it's had pro 281 00:13:32.000 --> 00:13:35.320 uh you know, pro resistance. I mean, look what happened. 282 00:13:35.399 --> 00:13:37.919 Uh it wasn't the State of the Union, but whatever 283 00:13:37.960 --> 00:13:40.519 they call the first one, the meeting with Congress, the 284 00:13:40.639 --> 00:13:44.039 Joint Session. You know that guy got up. I forget 285 00:13:44.600 --> 00:13:47.440 whatever who he was, but you know, he just didn't 286 00:13:47.440 --> 00:13:50.159 want anybody talking but him and got up and screamed 287 00:13:50.200 --> 00:13:52.240 and got censured eventually. 288 00:13:52.559 --> 00:13:56.480 Don't you think it's crazy that, you know, the environmentalist 289 00:13:57.000 --> 00:14:00.480 what three four years ago, tesla, tesla, tesla, oh, and 290 00:14:00.720 --> 00:14:03.679 all that he's finding. They loved him this side. They 291 00:14:03.759 --> 00:14:06.360 just completely switched. But nothing different with the car. 292 00:14:06.480 --> 00:14:09.440 Well, same thing they did to Vance. Advance was their 293 00:14:09.519 --> 00:14:12.320 sweetheart years ago. Vance didn't like Trump at all, and 294 00:14:12.360 --> 00:14:14.720 he was the sweetheart. I mean, big time. 295 00:14:15.080 --> 00:14:17.679 But it's it's amazing how they flipped. And I think 296 00:14:17.720 --> 00:14:20.600 the stock's probably up today. Trump said he went out 297 00:14:20.600 --> 00:14:22.120 and bought a Testa. 298 00:14:21.639 --> 00:14:25.600 One ie one. So we've got one on order. But 299 00:14:25.720 --> 00:14:28.440 I'm going, like, I almost wonder if you give up 300 00:14:28.440 --> 00:14:30.919 to two hundred and fifty bucks and wait a little bit. 301 00:14:31.320 --> 00:14:35.120 But then with the terriffs coming from Canada, I start thinking, 302 00:14:35.720 --> 00:14:38.360 I start thinking this, my guy, Tesla might be the 303 00:14:38.360 --> 00:14:41.600 only affordable car here. So, I mean, it's kind of 304 00:14:41.639 --> 00:14:44.840 a it's got you're over there smiling. Tomitree joined in 305 00:14:44.919 --> 00:14:47.399 on that, what do you make of this beating of 306 00:14:47.720 --> 00:14:51.279 Elon Musk right now? I mean, they're they're beating them up, man. 307 00:14:51.360 --> 00:14:55.799 People are afraid to invest in them. They're fireballing stuff in. 308 00:14:55.960 --> 00:14:59.200 All he's doing. All he's doing is going into government 309 00:14:59.600 --> 00:15:04.799 and cut. It's absolutely amazing to me that even Democrats 310 00:15:04.840 --> 00:15:07.720 I can't understand why. I mean, I guess some of 311 00:15:07.759 --> 00:15:11.919 them want, you know, a transgender play in Europe or 312 00:15:11.919 --> 00:15:15.519 whatever the hell all this weird money from USAID was 313 00:15:15.559 --> 00:15:18.559 going to. But the majority of them don't. I understand 314 00:15:18.600 --> 00:15:20.919 some of them do, but I mean, I just don't 315 00:15:20.919 --> 00:15:22.679 get this beating up on Musk. 316 00:15:23.159 --> 00:15:26.159 Yeah, it's not surprising, right, I Mean, we've been dealing 317 00:15:26.200 --> 00:15:31.639 with a really hysterical minority all these years, and they 318 00:15:31.720 --> 00:15:33.799 truly are a tiny, tiny minority. 319 00:15:33.919 --> 00:15:35.320 But boy, are they laughed. 320 00:15:35.440 --> 00:15:36.200 Well, yeah, that's. 321 00:15:36.080 --> 00:15:38.120 Exactly why we a lot of us wonder in the 322 00:15:38.120 --> 00:15:40.159 impression where that there were a lot more of them. 323 00:15:40.600 --> 00:15:43.559 And that's underscored by the number of politicians on the 324 00:15:43.639 --> 00:15:45.720 left side that are pandering to what turned out to 325 00:15:45.759 --> 00:15:49.480 be a tiny and probably insignificant minority, as we'll soon 326 00:15:49.519 --> 00:15:49.919 find out. 327 00:15:49.960 --> 00:15:51.799 I used to say that to Tom all the time. 328 00:15:51.840 --> 00:15:54.120 He says, everybody over here is saying there's no way 329 00:15:54.159 --> 00:15:56.679 Trump can win, and there's no way Joe Biden's going 330 00:15:56.759 --> 00:15:59.120 to step down. And I'm like, who are these people 331 00:15:59.159 --> 00:16:02.440 you're listening to? Because as I travel the country, whether 332 00:16:02.480 --> 00:16:07.320 it's California or Montana, or New Mexico or Wyoming, California, 333 00:16:07.440 --> 00:16:11.720 Las Vegas, Georgia, all these places Suzanna and I were 334 00:16:11.759 --> 00:16:16.279 in last year, multiple times, everybody was Trump, Trump, Trump. 335 00:16:16.519 --> 00:16:18.840 So you're right, it is a small minority. But the 336 00:16:18.960 --> 00:16:23.840 voices are so loud, and they're so you know, people 337 00:16:23.879 --> 00:16:26.000 laugh at me all the louder he is, the writer 338 00:16:26.120 --> 00:16:29.240 he is. But there is some truth to that. I mean, 339 00:16:29.279 --> 00:16:31.279 they are very loud and vocal. 340 00:16:31.879 --> 00:16:35.639 I mean that's the hallmark of hysterical people, right, I mean, 341 00:16:35.679 --> 00:16:39.200 that's actually the origin of the term hysterics, and so 342 00:16:39.320 --> 00:16:42.519 that's why they've been so loud and so visible. But frankly, 343 00:16:42.559 --> 00:16:44.519 I think we'll find them to be less and less 344 00:16:44.559 --> 00:16:46.039 significant in the coming months. 345 00:16:46.159 --> 00:16:48.679 I think the economy is going to start turning. I 346 00:16:48.679 --> 00:16:51.279 mean it could be three weeks. It depends how this 347 00:16:51.360 --> 00:16:53.840 tariff goes. And when I say the economy, I mean 348 00:16:53.879 --> 00:16:57.759 that in general, the stock market. I think interest rates, John, 349 00:16:57.799 --> 00:16:59.399 this is what you do for a living. Where do 350 00:16:59.440 --> 00:17:00.480 you see enter straits? 351 00:17:00.639 --> 00:17:03.200 Yeah, we've seen them just even drop this week, come 352 00:17:03.279 --> 00:17:04.039 down a little bit. 353 00:17:04.200 --> 00:17:05.400 What are they at? Six and a half? 354 00:17:05.480 --> 00:17:05.720 Six? 355 00:17:05.920 --> 00:17:07.920 Six and a half sound maybe a little bit lower, 356 00:17:08.000 --> 00:17:08.799 depending on what. 357 00:17:09.119 --> 00:17:11.599 The high you guys remember, including you guys, I mean, 358 00:17:11.839 --> 00:17:14.160 did we ever see over eight? Was that? Were you 359 00:17:14.240 --> 00:17:15.640 closing loans at eight or now? 360 00:17:15.839 --> 00:17:18.279 Yeah, we closed seven and a half close to eight, 361 00:17:18.359 --> 00:17:21.680 but it never really got above eight, but didn't get 362 00:17:21.720 --> 00:17:23.759 below seven for a while. So seven and a. 363 00:17:23.839 --> 00:17:25.440 Quarter six and a half's good. 364 00:17:25.559 --> 00:17:27.440 Six and a half is good for right now. It's 365 00:17:27.440 --> 00:17:29.599 been good. I mean, and you know the way this 366 00:17:29.720 --> 00:17:32.000 market moves, it could go right back to seven. 367 00:17:32.240 --> 00:17:35.039 What's your crystal ball? Say? And say, I don't know, 368 00:17:36.200 --> 00:17:38.359 I don't know three months, which you know, what does 369 00:17:38.400 --> 00:17:39.319 it say we. 370 00:17:39.279 --> 00:17:41.559 Should get the rate cut the you know, the fad 371 00:17:41.599 --> 00:17:44.119 they should they should do a quarter now with what's 372 00:17:44.160 --> 00:17:46.160 going on, they should do a you know, because the 373 00:17:46.319 --> 00:17:48.200 job market came a little weaker. 374 00:17:48.240 --> 00:17:49.680 So yeah, it wasn't that bad. 375 00:17:49.759 --> 00:17:51.039 Though, it wasn't that bad. 376 00:17:51.039 --> 00:17:53.279 Those numbers weren't bad. I wonder how people are gonna 377 00:17:53.279 --> 00:17:55.119 panic when the government numbers come in. 378 00:17:55.200 --> 00:17:57.119 Well, then that's kind of what they're talking about, is 379 00:17:57.200 --> 00:17:59.599 those numbers. But so I think six and a half. 380 00:17:59.640 --> 00:18:01.720 You oh, you may creep down to six on a quarter, 381 00:18:01.759 --> 00:18:03.680 but you won't get money. You know, they're not going 382 00:18:03.759 --> 00:18:04.000 to do Do. 383 00:18:04.039 --> 00:18:07.960 You know anybody that works for the FEDS personally personally? No, 384 00:18:07.839 --> 00:18:12.000 no m tree to you. Uh like in the federal government, 385 00:18:12.119 --> 00:18:13.759 not no of the mad Do you know anybody who's 386 00:18:13.759 --> 00:18:16.079 got a FED job? Not no of them, but know them? 387 00:18:16.359 --> 00:18:18.960 Oh no, I just I just have an acquaintance who 388 00:18:19.000 --> 00:18:23.319 had a very responsible job in a in the Social 389 00:18:23.319 --> 00:18:25.119 Security Inspector General's office. 390 00:18:25.319 --> 00:18:26.640 I mean it's his job. Okay. 391 00:18:27.039 --> 00:18:29.839 He retired at a very young age a few years ago, 392 00:18:30.559 --> 00:18:33.319 and uh, he made a ton of money. 393 00:18:33.000 --> 00:18:35.720 And he wasn't affected by any of this. No, No, 394 00:18:35.759 --> 00:18:37.279 he's currently. 395 00:18:36.920 --> 00:18:39.920 Anybody in the federal government. I don't know any. 396 00:18:39.720 --> 00:18:42.599 Frank, do you know anybody not that I could think of, 397 00:18:42.640 --> 00:18:44.160 Mark Stephanie. 398 00:18:44.400 --> 00:18:44.559 No. 399 00:18:44.640 --> 00:18:48.440 I mean I've got clients that are It was remarkable. 400 00:18:48.480 --> 00:18:51.000 My parents, who are pretty big liberals, actually made the 401 00:18:51.039 --> 00:18:54.240 comment to me, Oh, you don't know anybody in the 402 00:18:54.240 --> 00:18:57.680 federal government. And I turned around the question on them 403 00:18:58.039 --> 00:18:59.640 and I said, who do you know that works for 404 00:18:59.680 --> 00:19:02.799 the Fed? And they couldn't name one person. They could 405 00:19:02.880 --> 00:19:06.599 name one person that retired years ago, but other than that, 406 00:19:06.680 --> 00:19:08.960 they're like, Oh, don't you feel bad. I'm like, some 407 00:19:09.039 --> 00:19:12.799 of these people haven't showed up for work apparently forever. 408 00:19:13.039 --> 00:19:15.839 They do a really great job staying invisible, staying off 409 00:19:15.880 --> 00:19:16.359 the radar. 410 00:19:16.880 --> 00:19:18.720 All they had to do was answer an email and 411 00:19:18.720 --> 00:19:21.160 then possibly go back to work. What's the big deal 412 00:19:21.400 --> 00:19:24.680 when Facebook, when Meta called everybody back, when Google called 413 00:19:24.720 --> 00:19:28.039 everybody back, But when Trump calls everybody back? And these 414 00:19:28.079 --> 00:19:31.559 are people we pay that you know, ultimately we're the 415 00:19:31.559 --> 00:19:34.759 ones that create their payroll. And I like seeing them 416 00:19:34.799 --> 00:19:35.240 go to work. 417 00:19:35.319 --> 00:19:39.920 Yeah, that's the definition of an entitled, entitled mindset is 418 00:19:40.000 --> 00:19:43.519 you're not even you're put out by the mere request 419 00:19:43.640 --> 00:19:46.359 to say what you did last week? It's just you know, 420 00:19:46.359 --> 00:19:48.440 a couple of sentences, what did you do last week? 421 00:19:48.759 --> 00:19:51.240 And they're completely bent out of shape about that request. 422 00:19:51.440 --> 00:19:53.720 You know, most of us would be proud of it, right, 423 00:19:53.839 --> 00:19:56.000 we proudly answer an email like that. 424 00:19:56.160 --> 00:19:59.519 I absolutely love talking about this stuff. I honestly, God 425 00:19:59.559 --> 00:20:01.960 do gonna get hate mail though on it. But yet 426 00:20:02.000 --> 00:20:04.160 you know, and now there's no doubt about it. But 427 00:20:04.200 --> 00:20:07.480 if you really truly do have a problem or question, 428 00:20:07.640 --> 00:20:09.319 or you want to tell us about something you need 429 00:20:09.400 --> 00:20:12.880 help with three zero three seven one three eight two 430 00:20:12.960 --> 00:20:18.079 five five. I want to pick Dmitri's brain on Ukraine 431 00:20:18.119 --> 00:20:19.000 when we come back. 432 00:20:24.640 --> 00:20:27.920 Go with a sure thing Denver's best roofer Excel Roofing 433 00:20:28.000 --> 00:20:30.640 dot com. You don't pay a cent until you're content. 434 00:20:34.039 --> 00:20:37.200 Time for an insurance check up free, no obligation. In comparison, 435 00:20:37.359 --> 00:20:40.920 call Compass Insurance paying too much your coverage at dozens 436 00:20:40.920 --> 00:20:43.640 of insurance companies find out now three oh three seven 437 00:20:43.759 --> 00:20:46.559 seven to one help. You'll think you're his only customer 438 00:20:46.599 --> 00:20:48.839 when you choose Frank durand the real estate Man dot 439 00:20:48.880 --> 00:20:52.160 com to list your home with Remax Alliance three oh 440 00:20:52.240 --> 00:20:54.400 three nine two zero sixteen twenty two. 441 00:20:54.400 --> 00:20:58.920 Reo three seven one three eight two five five. I 442 00:20:58.960 --> 00:21:01.119 got to beat up to meet Tree a little bit here. 443 00:21:02.079 --> 00:21:04.200 So I'm going to tell a story. And this all 444 00:21:04.240 --> 00:21:07.200 came about because I'm getting to Kolonosky after the show. 445 00:21:07.680 --> 00:21:09.720 Like I said, a little TMI, but you know what, 446 00:21:10.640 --> 00:21:12.480 I think it's important to talk about, and I'm going 447 00:21:12.559 --> 00:21:15.039 to tell you why. The best man at our wedding, 448 00:21:15.799 --> 00:21:21.279 Don Williams, died from colon cancer. And before he died, 449 00:21:22.119 --> 00:21:24.160 when he was on his deathbed, he had about two 450 00:21:24.240 --> 00:21:27.400 or three years of struggling. That was crazy. He called 451 00:21:27.400 --> 00:21:31.319 me up. He lived in well Rosie, Delaware, somewhere on 452 00:21:31.359 --> 00:21:34.000 the East coast when he passed, but we went out 453 00:21:34.119 --> 00:21:37.240 to his funeral. It was just heart wrenching. He's my age. 454 00:21:37.279 --> 00:21:41.000 I grew up with the guy. So he called me up, Dmitri, 455 00:21:41.240 --> 00:21:44.440 and I'm telling you this for a reason, and he said, 456 00:21:44.480 --> 00:21:46.720 the one thing you have to do, he goes. I 457 00:21:46.759 --> 00:21:49.200 was afraid to do it. I never got a kolonoskby 458 00:21:49.279 --> 00:21:51.839 I just kept putting it off, and then I started 459 00:21:51.920 --> 00:21:54.759 having symptoms. I don't know what the symptoms were. I forget. 460 00:21:54.799 --> 00:21:58.039 He did describe him he had problems going to the bathroom. 461 00:21:58.039 --> 00:22:00.240 He had all kinds of problems, but he waited until 462 00:22:00.240 --> 00:22:03.039 the problems came and it was too late, stage four, 463 00:22:03.759 --> 00:22:06.960 and he said, no matter what you do, get out 464 00:22:07.000 --> 00:22:12.160 there and do this. And this was roughly middle of COVID, 465 00:22:13.400 --> 00:22:17.319 probably middle of COVID, maybe a year. And he told 466 00:22:17.319 --> 00:22:20.799 me that, and I was just turning fifty, and so 467 00:22:20.839 --> 00:22:25.240 it was three years ago. So I immediately immediately scheduled 468 00:22:25.279 --> 00:22:28.880 mine and I ended up getting like a month early. 469 00:22:28.920 --> 00:22:32.240 Funny enough, though, Kaiser now starts at forty five, not fifty, 470 00:22:32.599 --> 00:22:36.519 because too many people are having trouble waiting till fifty. 471 00:22:37.000 --> 00:22:38.880 So I went in and I did have polyps. And 472 00:22:38.920 --> 00:22:41.200 what I learned is if you have polyps, they cut 473 00:22:41.240 --> 00:22:43.440 them off. They're gone. They do it all in the 474 00:22:43.480 --> 00:22:46.559 same procedure, and the bottom line is if they didn't 475 00:22:46.559 --> 00:22:50.039 turn cancerous, you're fine. I mean, that's it. They got 476 00:22:50.119 --> 00:22:53.160 rid of it. It's done, and there's absolutely no pain 477 00:22:53.240 --> 00:22:55.319 to it. But when you told me your age and 478 00:22:55.319 --> 00:22:57.319 the fact you've never had one and you rely on 479 00:22:57.359 --> 00:22:59.680 blood tests, I'm going to tell you story number two. 480 00:23:00.359 --> 00:23:03.640 We know someone very well, Susanna, and I not only 481 00:23:03.720 --> 00:23:08.440 relied on blood test for a colonoscopy. One of them 482 00:23:08.480 --> 00:23:12.920 actually did this. You take a sample and you send 483 00:23:12.920 --> 00:23:15.279 it in. It's called cola guard. Yeah, that's what I 484 00:23:15.359 --> 00:23:18.000 just got signed up for. Yep. They took coli guard 485 00:23:18.480 --> 00:23:21.480 and the col of guard came back fine, negative, no problem. 486 00:23:22.079 --> 00:23:26.279 Two years later, roughly two years later, stage two or 487 00:23:26.319 --> 00:23:30.039 three colon cancer. It didn't find it. It was there 488 00:23:30.079 --> 00:23:33.960 the whole time and Coli guard missed it. And we 489 00:23:33.960 --> 00:23:37.240 were just told by our doctor. What did they tell 490 00:23:37.319 --> 00:23:41.319 us about that? Not only a week ago? In Kaiser? Yeah, 491 00:23:41.400 --> 00:23:43.519 the nurse said, a couple of weeks ago, I went 492 00:23:43.559 --> 00:23:46.880 in for my first colonoscopy, getting ready for my second. 493 00:23:46.920 --> 00:23:47.079 Now. 494 00:23:47.119 --> 00:23:49.079 But I said, hey, I did that collar guard thing 495 00:23:50.079 --> 00:23:51.079 a couple of years ago. 496 00:23:51.119 --> 00:23:51.839 It came back good. 497 00:23:51.880 --> 00:23:54.279 She goes, Oh, the only thing that finds is hemorrhoids. 498 00:23:54.720 --> 00:23:58.000 She liked, just poop poo the whole thing. Noticed my 499 00:23:58.039 --> 00:24:00.400 little play on words there, poopoo the whole thing. But 500 00:24:00.519 --> 00:24:03.599 you get what I'm saying. It's ridiculous, man. You have 501 00:24:03.640 --> 00:24:05.680 to get and that goes for anybody listening out there. 502 00:24:05.680 --> 00:24:09.519 I don't care what age you are. After losing Don 503 00:24:09.559 --> 00:24:13.279 Williams like that and then having a good friend of ours. 504 00:24:13.319 --> 00:24:17.359 Now thank god, she's doing okay. I think she's good actually, 505 00:24:17.960 --> 00:24:20.640 but that doesn't mean anything for a lifetime. I mean, 506 00:24:20.680 --> 00:24:23.119 I hope she's good forever. But you know, no one 507 00:24:23.160 --> 00:24:25.359 wants it. It can always come back and it can 508 00:24:25.400 --> 00:24:27.839 always pop up. So I mean, you know, it's cancer. 509 00:24:27.880 --> 00:24:30.440 Who knows. We all deal with it in our lives, 510 00:24:30.839 --> 00:24:33.559 and it's really scary. You have to get it done. 511 00:24:33.640 --> 00:24:36.440 I mean, you really do, there's no doubt about it. 512 00:24:36.720 --> 00:24:38.799 Now that I beat you up on that, you're going 513 00:24:38.839 --> 00:24:40.160 to get an appointment. 514 00:24:39.799 --> 00:24:40.359 Right by the way. 515 00:24:40.440 --> 00:24:42.799 I yeah, and I appreciate that's that is a wake 516 00:24:42.880 --> 00:24:45.440 up call. And you know, sometimes well need a reminder 517 00:24:45.480 --> 00:24:46.839 of something that's super obvious like that. 518 00:24:46.920 --> 00:24:49.240 Yeah, you're so healthy, you're always trying. You're trying to 519 00:24:49.240 --> 00:24:52.279 lower your cholesterol. You're losing weight, which I mean, you 520 00:24:52.279 --> 00:24:54.000 don't even really got to lose weight, but I know 521 00:24:54.079 --> 00:24:58.279 that lasts ten pounds whatever, and you exercise and you're 522 00:24:58.440 --> 00:25:01.039 almost the zero carbs, very low carbs. 523 00:25:01.119 --> 00:25:03.200 Yeah, I'm in a keutogenic diet and have been there 524 00:25:03.200 --> 00:25:06.240 for five years now. It changed my life. Yeah, and 525 00:25:06.279 --> 00:25:08.440 I have blood tests, full blood tests, twice a year 526 00:25:08.559 --> 00:25:11.440 to see what's going well and what needs attention. 527 00:25:11.160 --> 00:25:13.240 And then you overlook something so massive. 528 00:25:13.920 --> 00:25:17.799 Yeah, and I think I did that, you know, subconsciously intentionally, 529 00:25:17.839 --> 00:25:21.359 because my primary health provider has recommended that to me 530 00:25:21.440 --> 00:25:23.720 on a number of occasions, probably over the past five 531 00:25:23.799 --> 00:25:27.480 or six years now. So I just I believe me. 532 00:25:27.559 --> 00:25:30.240 I'm taking it one hundred percent seriously as of right now, 533 00:25:30.680 --> 00:25:32.599 especially after listening to your exam and then. 534 00:25:32.440 --> 00:25:34.559 The other thing. I'll tell people that have never gone 535 00:25:34.599 --> 00:25:36.720 through it, and I do feel this is like a 536 00:25:36.759 --> 00:25:41.319 public service announcement after losing don I'm not kidding. There's 537 00:25:41.359 --> 00:25:44.759 no pain to it. The anxiety leading up to it 538 00:25:44.799 --> 00:25:47.240 is probably the worst. And then you're in this, at 539 00:25:47.319 --> 00:25:50.640 least the procedure that we've had done. You're in a 540 00:25:50.720 --> 00:25:53.839 twilight and I actually remember the whole thing. I remember 541 00:25:53.880 --> 00:25:56.559 watching the monitor and him going, oh, there's a poll 542 00:25:56.640 --> 00:25:59.559 up cut and it's like, oh, okay, and you're kind 543 00:25:59.559 --> 00:26:01.720 of just like, yeah. 544 00:26:01.160 --> 00:26:03.400 They do that at the same time as the examination. 545 00:26:03.519 --> 00:26:06.640 Everything. Man, Oh yeah, when you're done, you're done. There's 546 00:26:06.720 --> 00:26:09.839 absolutely no pain. And how that's possible till this day, 547 00:26:10.119 --> 00:26:13.440 I have no idea how they scope you your body 548 00:26:13.519 --> 00:26:17.319 like that and you feel nothing. I mean it's the sedatives, 549 00:26:17.319 --> 00:26:21.440 I'm sure, but it's still remarkable how it's not uncomfortable. 550 00:26:22.240 --> 00:26:24.799 It's just leading up to it, and then even afterwards, 551 00:26:25.599 --> 00:26:29.039 it's not like coming out from total sedation. It's at 552 00:26:29.039 --> 00:26:31.720 twilight you're okay, like in a half hour, so, I 553 00:26:31.799 --> 00:26:33.799 mean you'll need a ride home. But other than that, 554 00:26:33.960 --> 00:26:36.720 and then the whole thing takes maybe forty five minutes 555 00:26:36.759 --> 00:26:39.240 to an hour. There's nothing to it, and I'm. 556 00:26:39.119 --> 00:26:39.920 Not sure amazing. 557 00:26:40.000 --> 00:26:42.759 I'm telling everybody that because that's it. I mean, you 558 00:26:42.880 --> 00:26:45.359 really have to have it done. And once again, if 559 00:26:45.400 --> 00:26:47.759 they do find a polyp, you don't freak out. The 560 00:26:47.839 --> 00:26:50.559 doctor will come in. They usually do a biopsy on it, 561 00:26:50.960 --> 00:26:53.640 make sure it wasn't cancerous and if and most of 562 00:26:53.680 --> 00:26:55.559 them can tell by looking at it, they're like, yeah, 563 00:26:55.559 --> 00:26:57.519 we had a pollop. I mean it looked fine. It 564 00:26:57.559 --> 00:27:00.920 looked like, you know, a normal polyp that's not cancerous. 565 00:27:01.279 --> 00:27:03.960 And you know they examine it. 566 00:27:04.039 --> 00:27:06.519 Do they examine that sample for cancer cells right there 567 00:27:06.559 --> 00:27:08.799 while you're still during in the previger. 568 00:27:09.079 --> 00:27:12.000 No, they're used to quote eyeballing it if you will, 569 00:27:12.279 --> 00:27:14.759 but then they'll send it out for a biopsy, okay, 570 00:27:14.799 --> 00:27:16.799 and then if with Kaiser, at least a couple of 571 00:27:16.839 --> 00:27:19.400 days later the test results come back. But I think 572 00:27:19.440 --> 00:27:22.559 it's very important for everybody out there, men, women. Kaiser's 573 00:27:22.599 --> 00:27:25.279 now forty five, so the old thinking of way till 574 00:27:25.279 --> 00:27:29.319 you or fifty I would not do. It's so it's 575 00:27:29.359 --> 00:27:32.200 so easy to catch early, and it's so easy to 576 00:27:32.279 --> 00:27:35.279 eradicate for the most part, long as you stay on it. 577 00:27:35.279 --> 00:27:38.359 Because I had polyps, my next one was in three years. 578 00:27:38.480 --> 00:27:41.440 If you don't have any polyps like Suzanne, you probably 579 00:27:41.559 --> 00:27:44.279 she probably won't have to have another one for ten years, 580 00:27:44.640 --> 00:27:47.640 so they figure out what's going on with your body 581 00:27:47.640 --> 00:27:50.480 and go from there. So that's it. So will my 582 00:27:50.599 --> 00:27:52.400 promise I'll come to you after this break. We do 583 00:27:52.440 --> 00:27:55.240 have lines open. I hope I'm not boring everybody on that, 584 00:27:55.279 --> 00:27:57.640 but it's so important. If you have loved ones, even 585 00:27:57.720 --> 00:28:00.240 older people that have kids that haven't had them done, 586 00:28:00.000 --> 00:28:02.559 and you know kids in their forty five plus. Please 587 00:28:02.839 --> 00:28:06.640 I promise you get it done. It can save everybody's life. 588 00:28:06.720 --> 00:28:10.279 I promise, I promise. I dealt with this personally with 589 00:28:10.359 --> 00:28:13.680 Don Williams three oh three seven one three eight two 590 00:28:13.759 --> 00:28:16.319 five five God, it's a slow call day. I want 591 00:28:16.319 --> 00:28:18.440 to hear your calls. And we've got some good guests 592 00:28:18.519 --> 00:28:21.960 in here. We've got Frank durand Stephanie Thomas, of course, Dmitri, 593 00:28:22.119 --> 00:28:26.119 my lovely wife Suzanne, and then John Clace with CMG. 594 00:28:26.279 --> 00:28:35.559 Everybody Hold tight three zero three Martino. 595 00:28:34.359 --> 00:28:37.640 Go with a sure thing Denver's Best roofer Excel Roofing 596 00:28:37.720 --> 00:28:38.319 dot com. 597 00:28:38.359 --> 00:28:40.400 You don't pay a cent until you're content. 598 00:28:43.759 --> 00:28:46.920 Time for an insurance check up free, no obligation in comparison, 599 00:28:47.079 --> 00:28:50.640 call Compass Insurance paying too much your coverage at dozens 600 00:28:50.640 --> 00:28:53.359 of insurance companies find out now three oh three, seven 601 00:28:53.359 --> 00:28:55.720 to seven to one help. You'll think you're his only 602 00:28:55.839 --> 00:28:58.279 customer when you choose Frank durand the real estate Man 603 00:28:58.359 --> 00:29:01.720 dot com to list your home with Remax Alliance three 604 00:29:01.799 --> 00:29:03.920 oh three nine two zero sixteen twenty two. 605 00:29:05.920 --> 00:29:08.759 All right, three oh three seven one three eight two 606 00:29:08.839 --> 00:29:12.960 five five three oh three Martino, Hey, Patrick, what is 607 00:29:13.039 --> 00:29:15.640 going on with you? Wilma gets you after this? What's 608 00:29:15.680 --> 00:29:16.480 going on? Patrick? 609 00:29:18.200 --> 00:29:21.799 I'm just looking for like an autobody shop. You guys 610 00:29:21.839 --> 00:29:23.359 recommended Michael's Auto bout to beat. 611 00:29:23.559 --> 00:29:24.920 They're gone to me. 612 00:29:25.480 --> 00:29:26.960 Yeah, they're gone. I don't know. 613 00:29:27.039 --> 00:29:28.599 They were great, but they're gone. 614 00:29:28.640 --> 00:29:30.240 I was seemed as anybody else in. 615 00:29:30.160 --> 00:29:34.079 The Elizabeth Parker, bring Town, Castlerock area. 616 00:29:33.920 --> 00:29:36.880 Man nobody that I'm going to put my name on there. 617 00:29:37.039 --> 00:29:39.480 I just I just don't know. I haven't had to 618 00:29:39.599 --> 00:29:43.920 use one since Michael's and it drives me crazy. They're gone. 619 00:29:44.000 --> 00:29:49.519 I love Michael. He lost his wife from cancer like 620 00:29:49.599 --> 00:29:51.559 five or six years ago, so he went through a 621 00:29:51.559 --> 00:29:56.000 tough time and basically he you know, he found himself 622 00:29:56.079 --> 00:29:57.839 just working all the time. I think all of us 623 00:29:57.880 --> 00:30:00.440 would kind of fall into that. And he built that. 624 00:30:00.680 --> 00:30:03.759 And he used to be in a little shop or 625 00:30:03.799 --> 00:30:06.240 a medium sized shop in Castle Rock. Then they went 626 00:30:06.279 --> 00:30:09.799 to that big shop down in the industrial area. They 627 00:30:09.839 --> 00:30:11.960 worked on a ton of listeners cars. They worked on 628 00:30:12.039 --> 00:30:14.960 two or three of our cars. Never had any complaints. 629 00:30:15.039 --> 00:30:17.319 Every time I pick somem up, it was great. Then 630 00:30:17.319 --> 00:30:19.960 he sold and I was a little bummed out, but 631 00:30:20.000 --> 00:30:23.160 I was like, okay. I stopped in after he sold, 632 00:30:23.440 --> 00:30:25.559 and I saw that some of the same faces were 633 00:30:25.599 --> 00:30:28.039 at the counter and the guys in the back more importantly, 634 00:30:28.279 --> 00:30:30.920 and I'm like, okay, the guys doing the body besides 635 00:30:31.000 --> 00:30:36.039 Michael are still here, but like fast forward, less than 636 00:30:36.079 --> 00:30:40.880 a year, they're out of business. I'm blown away. But 637 00:30:40.920 --> 00:30:43.920 if anybody, I'll throw this out there. Does anybody know 638 00:30:44.720 --> 00:30:48.319 a good body shop in Douglas County, maybe Monument to 639 00:30:48.400 --> 00:30:51.599 Castle Rock and then possibly East. I know there's one 640 00:30:51.640 --> 00:30:55.079 in Franktown, but I know nothing about him, absolutely nothing. 641 00:30:55.480 --> 00:30:58.079 I would love to hear from somebody that's got a 642 00:30:58.119 --> 00:31:02.440 good one because I'm gonna need one eventually. And Patrick, 643 00:31:02.519 --> 00:31:06.079 it sucks, man. I don't know who else to tell you. 644 00:31:06.480 --> 00:31:10.640 We have calls on body shops all the time. In fact, 645 00:31:10.640 --> 00:31:13.720 the biggest thing right now, Patrick, is timeframe. I mean 646 00:31:13.759 --> 00:31:16.200 we had people calling in and you know, they're told 647 00:31:16.240 --> 00:31:18.759 a month and it turns out to be a couple months. 648 00:31:18.759 --> 00:31:21.400 It's horrible, what's wrong with your car? 649 00:31:23.519 --> 00:31:28.160 So I bought it, no problems with it, and then slowly, 650 00:31:28.200 --> 00:31:31.400 after about a year of owning it, the rear side 651 00:31:31.480 --> 00:31:35.440 quarter panel all the paint that started coming off that 652 00:31:35.640 --> 00:31:38.960 shit like so it was in a It wasn't just paint. 653 00:31:39.000 --> 00:31:40.119 It turned out to be bondo. 654 00:31:40.240 --> 00:31:42.279 It used to previously was. 655 00:31:42.240 --> 00:31:44.039 In an accident apparently, and. 656 00:31:47.039 --> 00:31:47.839 Yep it was. 657 00:31:49.920 --> 00:31:52.279 Yeah, let's see who did it in one of the 658 00:31:52.319 --> 00:31:55.799 big big shops that work for all the dealerships and stuff. 659 00:31:55.920 --> 00:31:58.599 Yeah, did it, and they didn't do a great job. 660 00:31:58.599 --> 00:32:02.480 It sounds like no, Well, we'll see if anybody. We'll 661 00:32:02.519 --> 00:32:04.480 see if anybody calls in. I mean, we got to 662 00:32:04.519 --> 00:32:06.960 find a good body shop. I know there's some out there. 663 00:32:07.000 --> 00:32:10.279 I would assume there's another good one in Castle Rock. Honestly, 664 00:32:10.359 --> 00:32:13.079 I'm just not sure who they are, nor have I 665 00:32:13.240 --> 00:32:16.079 used them. But when I discovered Michael's years ago, I 666 00:32:16.079 --> 00:32:18.720 couldn't have been happier. We had a little faux pas, 667 00:32:18.799 --> 00:32:22.599 or they did when we picked it up, and uh, 668 00:32:22.759 --> 00:32:28.000 I mean they immediately took care of it beyond just great, guys. 669 00:32:28.119 --> 00:32:30.680 I hate when of business sells. Have you guys ever 670 00:32:30.759 --> 00:32:33.119 dealt with that? Hey? Thanks for the call. Patrick? Three 671 00:32:33.240 --> 00:32:35.400 oh three seven one three A two five five. Have 672 00:32:35.519 --> 00:32:38.519 you guys ever dealt personally anybody? I don't care if 673 00:32:38.559 --> 00:32:42.079 it's a restaurant or anything where the business sells and 674 00:32:42.119 --> 00:32:44.759 then it just goes to hell? I mean like literally, 675 00:32:45.000 --> 00:32:49.880 So I sold my last okay, I sold my computer store, 676 00:32:50.519 --> 00:32:54.119 and the computer store sold two computer stores and they 677 00:32:54.160 --> 00:32:57.720 both went out of business within a year. Stephanie, how 678 00:32:57.759 --> 00:33:01.559 long that Parker one as soon as they Oh, I 679 00:33:01.559 --> 00:33:03.359 think that was less than a year. Less than a year. 680 00:33:03.640 --> 00:33:05.759 I mean, the guy gave me two underd k out 681 00:33:05.759 --> 00:33:08.759 of his four oh one k. All he bought, honestly 682 00:33:08.920 --> 00:33:11.920 was a customer list. That was great my cash flow 683 00:33:12.079 --> 00:33:14.720 in a lease. He didn't buy any property, maybe ten 684 00:33:14.799 --> 00:33:17.519 grand worth of inventory. Two under grand out of his 685 00:33:17.599 --> 00:33:19.359 four oh one k. Him and his kid ran it 686 00:33:19.400 --> 00:33:23.240 into the ground within less than a year. The first 687 00:33:23.240 --> 00:33:25.880 thing they did was they went to my manager that 688 00:33:26.039 --> 00:33:28.720 was still there working for him, and took away his 689 00:33:28.799 --> 00:33:31.559 health as soon as they took away his health insurance. 690 00:33:31.880 --> 00:33:34.319 I mean, you can see where his thoughts went. He 691 00:33:34.400 --> 00:33:36.799 was no longer that loyal to him because they weren't 692 00:33:36.839 --> 00:33:39.680 being loyal to him. They just couldn't do anything right, 693 00:33:39.720 --> 00:33:42.599 and they wasted all their money. I mean that's the 694 00:33:42.640 --> 00:33:45.160 bottom line. And then same with the last Goodyear store, 695 00:33:45.200 --> 00:33:49.359 except a little different. The guy spent Ultimately, he did 696 00:33:49.359 --> 00:33:51.319 okay because he sold the building. I sold him the 697 00:33:51.359 --> 00:33:54.279 building in the business. But he ran the building into 698 00:33:54.279 --> 00:33:57.400 the ground within a year. And that one was all 699 00:33:57.400 --> 00:34:00.759 commercial accounts. It couldn't have been easier to make money. 700 00:34:01.000 --> 00:34:05.359 It was all commercial accounts. You always get paid and 701 00:34:05.440 --> 00:34:08.400 the driver is not the one approving stuff, so they 702 00:34:08.400 --> 00:34:11.199 could care less. It was the easiest stuff in the world. 703 00:34:11.559 --> 00:34:14.559 You couldn't run it into the ground, and somehow he 704 00:34:14.639 --> 00:34:17.719 did it. Wilma Hold tight, whoever's on two Hold Tight 705 00:34:18.159 --> 00:34:21.039 three zero three seven one three talk. 706 00:34:33.400 --> 00:34:36.639 Go with a sure thing Denver's Best roofer Excel Roofing 707 00:34:36.760 --> 00:34:41.920 dot com. You don't pay a cent until you're contenth 708 00:34:42.760 --> 00:34:45.960 time for an insurance check up free no obligation comparison 709 00:34:46.079 --> 00:34:49.639 call Compass Insurance paying too much your coverage at dozens 710 00:34:49.679 --> 00:34:52.400 of insurance companies find out now three O three seven 711 00:34:52.519 --> 00:34:55.320 seven to one help. You'll think you're his only customer 712 00:34:55.360 --> 00:34:57.599 when you choose Frank durand the real estate Man dot 713 00:34:57.639 --> 00:35:00.360 com to list your home with remax a li allons 714 00:35:00.599 --> 00:35:07.639 three all three nine two zero sixteen twenty two. 715 00:35:08.559 --> 00:35:13.000 Ripped off news need advice? 716 00:35:13.039 --> 00:35:18.000 Who you don't have them? Runs just as fast as 717 00:35:18.039 --> 00:35:21.719 we can. Shooter's gonna help come. 718 00:35:23.239 --> 00:35:29.239 This is the Troubleshooter Show. No Tom Martinez Welcome, Welcome, 719 00:35:29.280 --> 00:35:32.400 my friends to the only show of it's kind. We're 720 00:35:32.400 --> 00:35:35.760 here to solve problems, answer questions, take complaints. You've been 721 00:35:35.840 --> 00:35:37.960 ripped off or just have a question. We'd love to 722 00:35:37.960 --> 00:35:40.719 hear from you. Three zero three seven, one three eight 723 00:35:40.760 --> 00:35:43.320 two five five been a little slow today, got two 724 00:35:43.360 --> 00:35:46.360 lines open, would love to hear any questions. We've been 725 00:35:46.360 --> 00:35:50.480 talking about a range of different things, including the home 726 00:35:50.559 --> 00:35:54.639 market and the finance market, because we've got John Clay 727 00:35:54.760 --> 00:35:57.679 CMG home Loans in in the house. We also have 728 00:35:57.800 --> 00:36:02.360 Frank Durant, the real estate man, Steph Thomas, realtor up 729 00:36:02.400 --> 00:36:06.719 in the Pike's Peak Region. Real Quick guys, Pike's Peak Region. 730 00:36:06.760 --> 00:36:09.920 How's it up down medium when it comes to buying 731 00:36:09.960 --> 00:36:13.920 and selling a home? Like, what's your average inventory right now? Steph? 732 00:36:13.960 --> 00:36:17.199 You know so Colorado Springs has a little over seventeen 733 00:36:17.320 --> 00:36:18.920 hundred current active property? 734 00:36:19.000 --> 00:36:19.559 Is that norm? 735 00:36:19.840 --> 00:36:23.000 We're actually up a little bit for properties, but our 736 00:36:23.079 --> 00:36:25.719 days on market are really increasing as well, so. 737 00:36:25.639 --> 00:36:27.320 That means everything slowing down. 738 00:36:27.760 --> 00:36:28.519 Oh, definitely. 739 00:36:28.880 --> 00:36:30.800 That's about new builds. You guys have a lot of 740 00:36:30.840 --> 00:36:32.159 new construction. We do. 741 00:36:32.320 --> 00:36:34.679 We really have a lot of new construction, especially in 742 00:36:34.719 --> 00:36:37.519 that kind of the northeast and southeast sides of towns, 743 00:36:37.519 --> 00:36:39.760 and there's some others, you know, kind of scattered around, 744 00:36:39.800 --> 00:36:43.239 but primarily we see them building up in those areas. 745 00:36:43.119 --> 00:36:45.679 Something I tell people all the time. Frank, you've helped 746 00:36:45.719 --> 00:36:47.559 us with this on the show a few times, but 747 00:36:48.440 --> 00:36:50.920 in John you might know something about this. But new 748 00:36:50.920 --> 00:36:55.400 home contracts are nothing like standard real estate contracts. I mean, 749 00:36:55.400 --> 00:36:58.039 you have no idea what you're getting into. In fact, 750 00:36:58.119 --> 00:37:00.840 I'll give you one from a lending side. How does 751 00:37:00.880 --> 00:37:04.119 this work? You guys represent new home buyers right, And 752 00:37:04.199 --> 00:37:07.280 you're crazy not to use a realtor and possibly even 753 00:37:07.280 --> 00:37:10.000 an attorney if you're looking at buying a new build. 754 00:37:10.000 --> 00:37:12.400 I don't care if it's a custom builder or KB 755 00:37:12.559 --> 00:37:16.719 Homes or Lenar or whoever's out there building track homes 756 00:37:16.719 --> 00:37:19.800 these days. I think you're absolutely crazy not to use 757 00:37:20.039 --> 00:37:23.400 a realtor, at minimum possibly an attorney. Effect I'd say 758 00:37:23.440 --> 00:37:26.039 I use an attorney. But here's the deal man. There's 759 00:37:26.079 --> 00:37:28.639 a lot of clauses in there that say, hey, if 760 00:37:28.719 --> 00:37:31.119 lumber goes up and look at the tariffs we have 761 00:37:31.239 --> 00:37:34.519 coming right now. Seriously, the cost of building a new 762 00:37:34.559 --> 00:37:36.719 house could be a hell of a lot more, just 763 00:37:36.760 --> 00:37:39.480 like it was in covid than anything. We had so 764 00:37:39.559 --> 00:37:43.039 many people. You in Colorado Springs there was a not 765 00:37:43.119 --> 00:37:45.880 a town home, a kind of minium and there was 766 00:37:45.960 --> 00:37:48.599 about eight people that called us all in the same 767 00:37:48.639 --> 00:37:51.800 amount of time. They finally finished it up, John and 768 00:37:51.840 --> 00:37:55.679 they wanted fifty thousand more seventy five thousand more per 769 00:37:55.880 --> 00:37:58.400 unit to people that bought them. They had no idea. 770 00:37:58.519 --> 00:38:01.559 There was a clause in there that if certain prices 771 00:38:01.599 --> 00:38:04.000 went up, they could charge more. How does that How 772 00:38:04.000 --> 00:38:06.840 does that work from a lenders aspect when you look 773 00:38:06.880 --> 00:38:09.960 at those contracts, is that like wait, wait, wait, we 774 00:38:10.039 --> 00:38:12.840 don't even know how much this is going to be. Well, 775 00:38:12.840 --> 00:38:13.159 a lot of. 776 00:38:13.159 --> 00:38:15.880 Times we'll preapprove somebody at a at a top end, 777 00:38:15.920 --> 00:38:19.639 but also at what their purchase price is, and you 778 00:38:19.679 --> 00:38:22.079 know they're you know, we'll raise as long as the 779 00:38:22.119 --> 00:38:26.239 process will appraise, which usually if they're contracts. 780 00:38:25.199 --> 00:38:27.320 So if the price goes up, generally it's going to 781 00:38:27.320 --> 00:38:28.239 appraise it at. 782 00:38:28.360 --> 00:38:31.599 Correct and usually they'll so it'll still be the loan, 783 00:38:31.760 --> 00:38:34.760 just larger mount Now it could the larger amount could 784 00:38:34.840 --> 00:38:38.199 make people not to qualify in the debt to income ratio. Yeah, 785 00:38:38.239 --> 00:38:40.000 and then they got to have a realtor that will 786 00:38:40.199 --> 00:38:42.400 protect their earnest money, and that I don't know. I 787 00:38:42.400 --> 00:38:44.559 think Frank and Stephanie would know a little bit more 788 00:38:44.599 --> 00:38:45.239 about protection. 789 00:38:45.480 --> 00:38:47.760 How does that generally work? Guys? If you dealt with 790 00:38:47.800 --> 00:38:51.039 one like those condos we were talking about, Frank, where 791 00:38:51.280 --> 00:38:54.760 you know, all of a sudden they put down whatever 792 00:38:54.800 --> 00:38:57.599 they put down twenty thousand earnest or ten or whatever 793 00:38:57.639 --> 00:39:00.079 the average is on a new build like that, and 794 00:39:00.159 --> 00:39:01.880 then next thing you know, the home's going to go 795 00:39:01.960 --> 00:39:05.920 up seventy seventy five one hundred thousand dollars because of materials. 796 00:39:06.159 --> 00:39:06.960 Have you dealt with. 797 00:39:06.960 --> 00:39:10.039 Something, yeah, Mark, And I'd tell you that's where transparency 798 00:39:10.119 --> 00:39:13.039 on these new builds is very important with buyers because 799 00:39:13.280 --> 00:39:15.599 some builders are more aggressive than others. And we had 800 00:39:15.639 --> 00:39:18.559 one builder where they made the earnest money non refundable. 801 00:39:18.559 --> 00:39:21.760 It was like fifty thousand dollars totally. And I warned 802 00:39:21.800 --> 00:39:24.199 the buyer, look, you're taking a big risk when you 803 00:39:24.239 --> 00:39:26.480 do that, because look what the contract actually says. It's 804 00:39:26.519 --> 00:39:28.480 not like the ones that we do at the Colorado 805 00:39:28.519 --> 00:39:29.840 Real Estate Commission, much different. 806 00:39:30.119 --> 00:39:33.320 So wait a minute. In this particular one, it didn't 807 00:39:33.360 --> 00:39:36.239 matter what happened. In other words, even if they couldn't 808 00:39:36.239 --> 00:39:39.599 get financed, they lose their fifty grand, it's gone. 809 00:39:39.639 --> 00:39:41.599 There was a timeline, but it was a short timeline. 810 00:39:41.960 --> 00:39:42.880 That is amazing. 811 00:39:42.960 --> 00:39:44.079 It is it's unreal. 812 00:39:44.360 --> 00:39:44.559 Yeah. 813 00:39:44.639 --> 00:39:47.039 And then so what ultimately happened in that one? Did 814 00:39:47.079 --> 00:39:47.599 they buy it? 815 00:39:47.639 --> 00:39:49.920 He decided not to get into contract with it. Yeah, 816 00:39:50.199 --> 00:39:52.280 we found him another property, which I think was smart 817 00:39:52.320 --> 00:39:53.800 because I think he was taking a big risk. 818 00:39:53.920 --> 00:39:56.199 Now, how does that generally work? You know, pull the 819 00:39:56.239 --> 00:39:59.599 skirt up on the industry. When you walk into a 820 00:39:59.639 --> 00:40:02.760 model home in a neighborhood that's building out with new 821 00:40:02.800 --> 00:40:06.599 builds and there's all those they're not realtors, but they're 822 00:40:06.639 --> 00:40:07.920 people showing the homes. 823 00:40:08.519 --> 00:40:11.039 Yeah, the builder has sales associates that work on the 824 00:40:11.079 --> 00:40:14.519 realtors are they Some might be realtors, but a lot 825 00:40:14.519 --> 00:40:17.000 of times their licenses are inactive so that they can 826 00:40:17.039 --> 00:40:20.840 work within the builder's contract. Because as Colorado realtors, we're 827 00:40:20.840 --> 00:40:22.519 supposed to use the Colorado real estate. 828 00:40:22.519 --> 00:40:24.599 So you're not even supposed to be a realtor and 829 00:40:24.719 --> 00:40:30.079 actually sell something on a contract that's outside of the norm, right, 830 00:40:30.159 --> 00:40:31.599 I mean, that's kind of the typical. 831 00:40:31.719 --> 00:40:34.519 There are realtors that work with builders on individual basis, 832 00:40:34.559 --> 00:40:36.800 and I'm sure their brokerages and attorneys have to go 833 00:40:36.840 --> 00:40:37.920 in and approve things. 834 00:40:38.360 --> 00:40:44.199 Wow, that's crazy. Though, so those people generally make a commission, right. Yeah, 835 00:40:44.320 --> 00:40:47.440 I know a builder's runds like this. I walk in 836 00:40:48.079 --> 00:40:52.239 and I'm looking at KB home and someone's showing it 837 00:40:52.360 --> 00:40:54.519 to me, and we like it. You know, I'm not 838 00:40:54.599 --> 00:40:57.400 going to put any earnest money down that particular day. 839 00:40:57.480 --> 00:40:59.960 But it's all good, and I get their business card. 840 00:41:00.559 --> 00:41:02.519 But then I go out and say, hey Frank or 841 00:41:02.559 --> 00:41:05.480 hey Stephanie, we're looking at buying this. I want you 842 00:41:05.599 --> 00:41:08.039 to look over the contract and represent me in this. 843 00:41:08.599 --> 00:41:12.119 So now what happens Now it's who's representing me, the 844 00:41:12.239 --> 00:41:14.039 person from the from. 845 00:41:13.880 --> 00:41:17.239 The home or you guys, it'd be your individual broker 846 00:41:17.480 --> 00:41:21.440 mark because the builder's rep is for the builder period. 847 00:41:21.480 --> 00:41:23.679 They work for the builder. They're on your sales shot. 848 00:41:23.760 --> 00:41:26.599 Yeah, and some and some builders are more flexible than others. 849 00:41:26.599 --> 00:41:28.320 Some will say, yeah, just bring your relter over and 850 00:41:28.400 --> 00:41:30.480 bring a card and where good. Others say, you didn't 851 00:41:30.480 --> 00:41:31.880 show up the first time with the relture. We're not 852 00:41:31.920 --> 00:41:32.440 going to work with them. 853 00:41:32.440 --> 00:41:36.880 We're paying really so wait a minute. So if someone 854 00:41:37.199 --> 00:41:40.199 gets there and then understands earnest money and stuff, there's 855 00:41:40.239 --> 00:41:42.880 some builders that'll say, well, we're not going to deal 856 00:41:42.960 --> 00:41:44.760 with you because you want to use a realtor, it's 857 00:41:44.800 --> 00:41:45.880 too late, not quite. 858 00:41:45.920 --> 00:41:48.039 In other words, they might say, you know, if you 859 00:41:48.119 --> 00:41:50.559 bring your realture on the first visit, we're willing to 860 00:41:50.599 --> 00:41:52.599 pay them a co op, but if you show up 861 00:41:52.639 --> 00:41:54.840 by yourself, we're not going to pay Now. Some others 862 00:41:54.880 --> 00:41:57.159 are more flexible. Mark It depends, and some of that 863 00:41:57.280 --> 00:41:59.599 depends on the supply and demand. How fast are getting 864 00:41:59.639 --> 00:41:59.880 rid of these? 865 00:42:00.840 --> 00:42:04.000 Wow, we got an update. We're going to go to Wilma. 866 00:42:04.920 --> 00:42:08.480 Let me recap this real quick. Wilma bought a twenty 867 00:42:08.800 --> 00:42:13.239 sixteen Denali and basically she had a lot of work 868 00:42:13.280 --> 00:42:15.519 done to In fact, I think with the purchase price 869 00:42:15.880 --> 00:42:18.679 and all the repairs, she's forty thousand dollars into this. 870 00:42:19.320 --> 00:42:22.679 But she spent eight thousand at a dealership I forget 871 00:42:22.760 --> 00:42:25.360 which one, and still had a problem. Then she needed 872 00:42:25.440 --> 00:42:29.599 basically an engine and had an engine put in, and Wilma, 873 00:42:29.760 --> 00:42:33.639 I forget off of the top of my head, the 874 00:42:33.719 --> 00:42:35.840 people that put the engine in. We had them on 875 00:42:35.960 --> 00:42:39.519 air last Friday. What was the shop's name? I just forget. 876 00:42:41.559 --> 00:42:41.599 That. 877 00:42:43.000 --> 00:42:45.920 Yeah, Humble's B and B yup. And then Humble came 878 00:42:46.000 --> 00:42:47.880 on and said Hey, we're going to take care of this. 879 00:42:48.679 --> 00:42:51.639 And that's kind of where we left it Friday. And 880 00:42:51.840 --> 00:42:53.159 what's going on with it now? 881 00:42:55.039 --> 00:42:57.119 Well, I got my car back yesterday. 882 00:42:57.960 --> 00:42:59.719 Tell me it's running good, please. 883 00:43:00.079 --> 00:43:03.320 Too, propably. Yeah, it's running perfectly good. The whole thing 884 00:43:03.400 --> 00:43:05.920 why I had an issue is because I thought a 885 00:43:06.039 --> 00:43:08.800 brand new engine. You guys kept saying to rebuilt. It's like, no, 886 00:43:09.079 --> 00:43:12.000 it's just brand new. That's why it's like, why should 887 00:43:12.039 --> 00:43:14.519 I be having these issues? My car should be running 888 00:43:14.559 --> 00:43:15.400 like a brand new car. 889 00:43:16.280 --> 00:43:18.800 And it is now, right, I had a lot of problems. 890 00:43:19.519 --> 00:43:22.159 Yeah, it is great. Did you and Humble get along 891 00:43:22.320 --> 00:43:27.039 or whatever his name is, Stuart Stuart, did you guys 892 00:43:27.559 --> 00:43:27.960 make up? 893 00:43:30.360 --> 00:43:32.480 Well, I mean he's some of em pleases maybe yeah, 894 00:43:32.519 --> 00:43:34.280 I mean he didn't like the fact that I called you. 895 00:43:34.480 --> 00:43:36.559 But it's like, well, it wasn't just you. It was 896 00:43:36.639 --> 00:43:38.039 off about short Line. 897 00:43:38.119 --> 00:43:40.320 GMC was on Havana. 898 00:43:40.000 --> 00:43:42.239 Because they're the ones that charged me twelve thousand. 899 00:43:42.320 --> 00:43:43.239 That's just eight thousand. 900 00:43:43.320 --> 00:43:47.719 Eight thousand was for the manifold exhausting water pump off 901 00:43:47.800 --> 00:43:48.440 all that stuff. 902 00:43:48.559 --> 00:43:50.800 Yeah, I know, and it turned out you need an engine. 903 00:43:50.840 --> 00:43:54.280 It really sucked. I hope that vehicle lasted you one 904 00:43:54.360 --> 00:43:56.679 hundred and fifty thousand miles. 905 00:43:56.400 --> 00:43:59.800 Wilma, that would be a lot to have a lot 906 00:43:59.840 --> 00:44:00.320 more than that. 907 00:44:00.880 --> 00:44:02.800 Take care of it. Make sure you get the oil 908 00:44:02.960 --> 00:44:06.280 changes done in new engine. Yep, all right. 909 00:44:06.960 --> 00:44:09.159 I mean he does provide a car service for you 910 00:44:09.239 --> 00:44:11.280 when he has his car. Great, did you tell up 911 00:44:11.280 --> 00:44:12.400 my gas tanks this time? 912 00:44:12.519 --> 00:44:13.159 So happy? 913 00:44:13.360 --> 00:44:15.519 The last time when he put in the engine, he 914 00:44:15.599 --> 00:44:18.239 did drive over one hundred miles. That's why I was 915 00:44:18.239 --> 00:44:20.360 a little one hundred miles. You know, I didn't know 916 00:44:20.400 --> 00:44:21.239 you had to drive that far. 917 00:44:21.559 --> 00:44:21.760 Yeah. 918 00:44:21.800 --> 00:44:24.840 Well he's trying to break it in driving it. Yeah, yeah, 919 00:44:25.519 --> 00:44:30.000 all right, Wilma. I appreciate the follow up. And I'm sure. 920 00:44:29.880 --> 00:44:34.199 Stewards Esmo is a good place. Good, there's nothing wrong. 921 00:44:34.039 --> 00:44:38.119 With all right, appreciate it, Bye, thank you, you're welcome. 922 00:44:39.239 --> 00:44:42.519 She was so did you hear that? Called Dimitri? She 923 00:44:42.760 --> 00:44:46.079 was so upset, guys at this guy and he came 924 00:44:46.159 --> 00:44:50.119 on and could you tell in her voice she's a 925 00:44:50.159 --> 00:44:53.519 little hard Does that makes sense? A little I don't 926 00:44:53.559 --> 00:44:57.920 want to say, difficult, little detail oriented for a personality 927 00:44:58.280 --> 00:45:01.239 type A and so is he. So when they were 928 00:45:01.320 --> 00:45:05.159 both on along with me, it was it was crazy. 929 00:45:05.280 --> 00:45:07.719 It was I don't want to say fireworks, but it 930 00:45:07.880 --> 00:45:10.920 got a little nuts. But ultimately, I'm so happy for 931 00:45:11.159 --> 00:45:13.840 the vehicles running the way she wants it. She's got 932 00:45:13.880 --> 00:45:16.840 a full tanky gas. Steward came through. I was pretty 933 00:45:16.840 --> 00:45:18.639 sure he was, and he did. He's been there for 934 00:45:18.719 --> 00:45:23.000 a long long time. Catherine, What is going on with you? 935 00:45:24.760 --> 00:45:24.960 Yes? 936 00:45:25.880 --> 00:45:29.039 I wanted to give a compliment to Olig with the 937 00:45:29.280 --> 00:45:30.280 furniture doctors. 938 00:45:30.559 --> 00:45:34.400 Yeah, yeah, he's fantastic Olig. 939 00:45:34.840 --> 00:45:37.840 He's done work at our house. He's like he really is. 940 00:45:37.960 --> 00:45:41.280 He's like a furniture doctor. He came out and fixed 941 00:45:41.360 --> 00:45:42.559 What did he fix for you? 942 00:45:44.239 --> 00:45:47.800 It's it's kind of a long chair. I actually use 943 00:45:47.880 --> 00:45:53.400 it inside this kind of a semi rocker that moves 944 00:45:53.440 --> 00:45:54.079 back and forth. 945 00:45:54.280 --> 00:45:55.760 Yeah, like a slider. 946 00:45:57.519 --> 00:45:57.880 Sort of. 947 00:45:59.679 --> 00:46:01.480 I guess between a rocker and a slider. 948 00:46:01.760 --> 00:46:02.280 It was. 949 00:46:04.159 --> 00:46:08.320 Broken, as he found out, and was moving sideways. Crazy 950 00:46:08.599 --> 00:46:09.519 wasn't working right. 951 00:46:09.719 --> 00:46:10.039 Got it? 952 00:46:11.320 --> 00:46:14.480 He the beautiful thing. Not only is he a gentleman and. 953 00:46:14.760 --> 00:46:18.320 Just really grateful being around and yeahful. 954 00:46:19.320 --> 00:46:21.880 He had to drill holes. 955 00:46:22.000 --> 00:46:23.280 He figured it out right away. 956 00:46:24.639 --> 00:46:25.960 Again, it's a metal. 957 00:46:25.960 --> 00:46:27.440 Chair and he got to fix up. 958 00:46:27.480 --> 00:46:33.199 But he did it's fantastic. And the beautiful thing is 959 00:46:33.440 --> 00:46:36.400 he he comes to your home and gets it done 960 00:46:36.519 --> 00:46:37.519 right then, oh. 961 00:46:37.480 --> 00:46:40.400 Yeah, don't have to take you Yeah, yeah, he doesn't 962 00:46:40.440 --> 00:46:42.199 have to pick it up and move in, go work 963 00:46:42.280 --> 00:46:45.320 out in the shop. In fact, i'd say probably ninety 964 00:46:45.400 --> 00:46:47.280 five percent of the stuff he does is there. He 965 00:46:47.400 --> 00:46:49.800 fixed our hutch, so you know, it's a big solid 966 00:46:49.880 --> 00:46:56.679 wood hutch and in our dining room and our dog Dema, Dema, 967 00:46:57.800 --> 00:46:59.880 I wonder if she's if we had the radio on it, 968 00:47:00.360 --> 00:47:03.000 her ears would perk up. But the bottom line was 969 00:47:03.119 --> 00:47:05.639 she chewed it when she was a puppy and it 970 00:47:05.679 --> 00:47:07.800 looked horrible, and it was pretty brand new, and he 971 00:47:07.920 --> 00:47:10.360 came out you couldn't tell that she shoot on it. 972 00:47:10.480 --> 00:47:12.840 Now it looks just like I mean, it looks brand new. 973 00:47:12.960 --> 00:47:15.679 I was very impressed. And it didn't cost that much 974 00:47:16.599 --> 00:47:18.719 really for him to come all the way out fix 975 00:47:18.800 --> 00:47:22.239 it at your house. It was incredible. Yeah, he's on 976 00:47:22.360 --> 00:47:25.360 a referral list at referral list dot com if anybody 977 00:47:25.559 --> 00:47:28.960 needs furniture fixed. Hey, I appreciate that, Catherine, And I'm 978 00:47:29.000 --> 00:47:30.079 sure he does big time. 979 00:47:31.480 --> 00:47:32.920 Just a delight and he's so. 980 00:47:34.679 --> 00:47:37.159 Personable, his experience. 981 00:47:36.719 --> 00:47:40.719 Oh personable, excellent, Yeah, beautiful. 982 00:47:40.519 --> 00:47:43.599 Yeah, excellent. Did you get did you know to call 983 00:47:43.719 --> 00:47:44.280 him from us? 984 00:47:47.119 --> 00:47:51.559 He had on the side of his vehicle. Yeah, he 985 00:47:51.719 --> 00:47:53.840 has referral lists dot com. 986 00:47:54.320 --> 00:47:57.440 Cool, So that's that's how you remembered it. 987 00:47:57.679 --> 00:48:01.480 Then, yeah, all right, and I think he's proud of 988 00:48:01.559 --> 00:48:03.320 that advertising. 989 00:48:03.480 --> 00:48:05.679 Oh he's a he's a great guy. He fits right 990 00:48:05.760 --> 00:48:09.000 in with people we want and just really good people. 991 00:48:09.039 --> 00:48:10.960 I mean, that's uh, that's what makes up refer a 992 00:48:11.039 --> 00:48:14.079 list dot com. Honestly good people like all Lake three 993 00:48:14.159 --> 00:48:17.559 oh three seven one three eight two five five lines open, 994 00:48:17.599 --> 00:48:18.559 We'll be right back. 995 00:48:23.679 --> 00:48:26.960 Go with a sure thing Denver's best roofer Excel Roofing 996 00:48:27.039 --> 00:48:29.679 dot com. You don't pay a cent until you're content. 997 00:48:33.079 --> 00:48:36.239 Time for an insurance check up free, no obligation. In comparison, 998 00:48:36.400 --> 00:48:39.920 call Compass Insurance paying too much your coverage at dozens 999 00:48:39.960 --> 00:48:42.679 of insurance companies find out now three oh three seven 1000 00:48:42.719 --> 00:48:45.039 to seven to one help. You'll think you're his only 1001 00:48:45.159 --> 00:48:47.559 customer when you choose Frank durand the real estate Man 1002 00:48:47.679 --> 00:48:51.079 dot com to list your home with Remax Alliance three 1003 00:48:51.119 --> 00:48:53.320 oh three nine two zero sixteen twenty. 1004 00:48:53.039 --> 00:49:04.320 Two three three seven one three A two, five five. 1005 00:49:04.360 --> 00:49:07.400 Any questions you got on mortgages. I do want to 1006 00:49:07.440 --> 00:49:10.000 dig into some more information on that. We're going to 1007 00:49:10.079 --> 00:49:13.800 talk about that all in one loan, big time. From yesterday. 1008 00:49:13.960 --> 00:49:16.639 I have no idea what this CRV? What is this 1009 00:49:16.800 --> 00:49:19.719 CRV call? Why is it say? From Friday? What is 1010 00:49:19.800 --> 00:49:22.840 this about? Kelly? Do you know Christy? What's going on 1011 00:49:23.000 --> 00:49:25.800 with the CRV? I remember it made some noise. I 1012 00:49:25.920 --> 00:49:27.880 thought the dealers said it was all normal. 1013 00:49:29.360 --> 00:49:31.760 Yes, he did. And so you recommended that I go 1014 00:49:31.880 --> 00:49:34.039 to Honest Accurate Auto for a second opinion. 1015 00:49:34.199 --> 00:49:36.519 Oh yeah, what did they say? Down to Honest Accurate 1016 00:49:36.559 --> 00:49:37.639 in Colorado Springs? 1017 00:49:38.400 --> 00:49:40.519 Well, there's three things I need to tell you. First 1018 00:49:40.559 --> 00:49:43.800 of all, the air conditioners not blowing coals. And we 1019 00:49:43.920 --> 00:49:46.000 had a hard time thinking past that because it was 1020 00:49:46.079 --> 00:49:47.599 so warm in the spring yesterday. 1021 00:49:47.840 --> 00:49:48.119 Yikes. 1022 00:49:48.360 --> 00:49:51.559 So I drove it right back to Honda after I 1023 00:49:51.760 --> 00:49:56.400 met with Austin and on. Honda tested it this morning 1024 00:49:56.440 --> 00:50:00.400 and tells me it's testing fine, the air conditioner and 1025 00:50:00.519 --> 00:50:03.199 it is not blowing cold, it is blowing warm. So 1026 00:50:03.280 --> 00:50:05.440 I asked them to test it again at two o'clock 1027 00:50:05.480 --> 00:50:08.760 today because maybe if they're a warmer outside and they said, well, 1028 00:50:08.800 --> 00:50:11.320 when we stick the probe inside of the event. I said, well, 1029 00:50:11.400 --> 00:50:13.039 put your hand in front of the event. You can 1030 00:50:13.119 --> 00:50:15.719 feel it's not blowing cold. And he said, well, the 1031 00:50:15.840 --> 00:50:18.360 test is. And I said, well, could you go a 1032 00:50:18.440 --> 00:50:20.719 little step above and beyond and put your hand in 1033 00:50:20.760 --> 00:50:22.920 front of the event. He's like, yes, we can do that. 1034 00:50:23.880 --> 00:50:27.679 He said, Okay, my text says the ticking noise is normal, 1035 00:50:27.920 --> 00:50:31.760 normal operation. It's a stillinoid. Blah blah blah. And I said, well, 1036 00:50:31.800 --> 00:50:33.840 then can you tell me why when I drove the 1037 00:50:33.920 --> 00:50:38.400 identical vehicle on your lot, same year Max model Hybrid 1038 00:50:38.480 --> 00:50:41.920 it was the same flip and color. Why that card 1039 00:50:42.000 --> 00:50:46.280 did not make any noise? He said, no, you couldn't 1040 00:50:46.320 --> 00:50:48.800 answer that. I'll have to talk to the tech again. 1041 00:50:48.920 --> 00:50:50.639 And I said, well, could you repeat back to me 1042 00:50:50.760 --> 00:50:53.000 the question because I want to be sure you understand 1043 00:50:53.280 --> 00:50:56.800 And he said, well, I don't really understand what you're asking. 1044 00:50:56.960 --> 00:50:59.360 I'm like, okay, well let me explain it to you again. 1045 00:51:00.119 --> 00:51:03.239 Or what conditions is this vehicle supposed to tick? Because 1046 00:51:03.280 --> 00:51:05.960 sometimes it does and sometimes it doesn't, and the other 1047 00:51:06.039 --> 00:51:07.880 one I drove didn't tick at all. 1048 00:51:08.320 --> 00:51:11.559 Yeah, but honestly, Christy, you didn't drive that other one 1049 00:51:11.599 --> 00:51:14.719 a ton. I mean, maybe it does tick sometimes. I 1050 00:51:14.800 --> 00:51:17.280 don't know what to do on that ticking problem, because 1051 00:51:17.320 --> 00:51:19.280 I've actually looked it up and a lot of people 1052 00:51:19.840 --> 00:51:22.679 complain about it. But they are saying it's normal. What 1053 00:51:22.800 --> 00:51:25.760 did they say that sillinoid does? And then what an honest, 1054 00:51:25.840 --> 00:51:28.679 accurate say just about the clicking or the ticking. 1055 00:51:30.199 --> 00:51:33.360 I'm here yesterday. It does seem to be temperature dependent, 1056 00:51:33.480 --> 00:51:37.519 and when it's warmer it ticks less. It always ticks 1057 00:51:37.559 --> 00:51:40.639 on my drive to work in the morning. But and 1058 00:51:41.079 --> 00:51:43.280 if they're going to say that's normal, then I'll take 1059 00:51:43.320 --> 00:51:45.480 the next step. I mean, Mark, I'm going to trade 1060 00:51:45.519 --> 00:51:48.519 in the stupid car if I have to take a 1061 00:51:48.639 --> 00:51:51.559 ten thousand dollars loss, because I can't live with this. 1062 00:51:51.800 --> 00:51:54.559 It makes me anxious. It makes my heart start racing. 1063 00:51:55.119 --> 00:51:55.519 I can't. 1064 00:51:55.599 --> 00:51:57.920 It makes me sick. This whining night. So the third 1065 00:51:58.000 --> 00:51:59.960 issue is this whining nif. 1066 00:52:00.119 --> 00:52:01.440 It's like this high pitch. 1067 00:52:03.679 --> 00:52:06.679 And it and it goes it starts from zero and 1068 00:52:06.800 --> 00:52:08.719 it goes to seventy five miles an hour, and the 1069 00:52:08.760 --> 00:52:11.480 pitch gets higher and higher and higher, and then when 1070 00:52:11.519 --> 00:52:14.000 you decelerate, the pitch gets lower and lower and lower, 1071 00:52:14.280 --> 00:52:16.199 but it is there the whole time. It is a 1072 00:52:16.480 --> 00:52:17.360 constant wine. 1073 00:52:17.400 --> 00:52:19.440 Wait, mook, did you guys listen to the video I 1074 00:52:19.519 --> 00:52:22.199 sent you guys last week on this because her car? 1075 00:52:22.480 --> 00:52:24.480 It was her car. I sent it to you, Kevin 1076 00:52:24.519 --> 00:52:27.119 and Jeck one Friday. I didn't listen to it because I. 1077 00:52:27.199 --> 00:52:30.280 Wasn't in the first video I sent you. You said 1078 00:52:30.320 --> 00:52:32.320 there was too much road noise, and I'll give you 1079 00:52:32.440 --> 00:52:34.320 that because I was trying to take the video while 1080 00:52:34.320 --> 00:52:37.119 I was driving. But I sent you another one on 1081 00:52:37.360 --> 00:52:40.239 Friday when the car was ticking at idle. It didn't 1082 00:52:40.280 --> 00:52:43.559 matter if I was in car reverse drive or neutral. 1083 00:52:44.000 --> 00:52:46.679 I was sitting at idle, zerom off per hour and 1084 00:52:46.760 --> 00:52:49.239 you can hear it going tick tock. 1085 00:52:49.639 --> 00:52:53.880 See if it's something we could The video part doesn't matter, Susanne, 1086 00:52:53.920 --> 00:52:57.000 See if Shannon. If we get you this video, Susanne's 1087 00:52:57.039 --> 00:52:59.599 got can you pot it up to where we can 1088 00:52:59.679 --> 00:53:01.519 actually hear it? Do you have a way of doing 1089 00:53:01.559 --> 00:53:07.599 a video? All right? I'd like to see if we 1090 00:53:07.679 --> 00:53:09.519 can do that. Hold on, Christy, I do want to 1091 00:53:09.559 --> 00:53:13.400 hear it. Plus that'll hopefully we can amplify it. I'd 1092 00:53:13.440 --> 00:53:15.679 hate to see you lose ten thousand, because that's exactly 1093 00:53:15.760 --> 00:53:18.679 what's going to happen. You trade in a brand new vehicle. 1094 00:53:18.760 --> 00:53:20.960 Maybe did you ever think that maybe you're just not 1095 00:53:21.159 --> 00:53:24.599 made for a you know, either a hybrid. I doubt 1096 00:53:24.639 --> 00:53:27.039 you'd buy one again, right, I mean they do. My 1097 00:53:27.199 --> 00:53:30.280 electric makes some noises. I'm used to it. Not as 1098 00:53:30.320 --> 00:53:32.559 annoying as what you're describing. No, I'll give you that. 1099 00:53:34.960 --> 00:53:38.800 Yes, I've decided I'm probably not agreeable to a hybrid, 1100 00:53:38.920 --> 00:53:42.079 But if it didn't make any noises like the other one, i'd. 1101 00:53:42.079 --> 00:53:44.679 What's that thing Addie has when she was a kid? 1102 00:53:45.039 --> 00:53:47.239 Hold on, I want to ask my wife something. What 1103 00:53:47.480 --> 00:53:50.159 is that called? I believe it's called mesopenia? 1104 00:53:50.400 --> 00:53:51.039 Do you have that? 1105 00:53:51.239 --> 00:53:52.480 Have you ever heard that? Christy? 1106 00:53:53.239 --> 00:53:55.280 Yes, I've heard it, and I can hear things that 1107 00:53:55.400 --> 00:53:59.760 other people can't hear. My husband's docking station in the office. Yeah, 1108 00:54:00.320 --> 00:54:01.199 stand to be the same. 1109 00:54:01.599 --> 00:54:04.679 Our daughter, if she just sees you too, she hears it. Yeah, 1110 00:54:04.760 --> 00:54:07.239 it's pretty crazy and it's real. I mean, there's nothing 1111 00:54:07.360 --> 00:54:09.440 it's it's a real deal. So I feel for you 1112 00:54:09.800 --> 00:54:14.039 because our kid has it. Yeah. She man. 1113 00:54:14.440 --> 00:54:17.920 Hey, I got to you Mark and Christy. You know, Christy, 1114 00:54:17.960 --> 00:54:20.920 I think you're in the Springs, I'm in Denver. If 1115 00:54:21.000 --> 00:54:23.320 you happen to come up here on a warm day, 1116 00:54:23.519 --> 00:54:26.840 which is when this Oh how about Uh, I'll give 1117 00:54:26.880 --> 00:54:28.760 you my phone number and i'll be call me when 1118 00:54:28.760 --> 00:54:30.800 you're on their way to town. I'll be happy to 1119 00:54:30.840 --> 00:54:35.360 go for a ride you a oh Dimetrios, Deputy Jaty Demetrie, 1120 00:54:35.400 --> 00:54:38.239 I help I help Mark and Tom with some consumer issues. 1121 00:54:38.800 --> 00:54:40.920 I'll be happy to go for a ride with you 1122 00:54:41.079 --> 00:54:41.519 around here. 1123 00:54:41.559 --> 00:54:45.280 I assume you have a good driving record, right, yeah, okay, yeah, 1124 00:54:45.599 --> 00:54:47.719 So I'll be happy to go for a ride with you. 1125 00:54:47.960 --> 00:54:50.000 And then I'll listen for the ticking and the whining 1126 00:54:50.039 --> 00:54:52.840 and all that stuff, and I'll be in independent witness 1127 00:54:52.920 --> 00:54:53.079 to this. 1128 00:54:53.840 --> 00:54:56.400 Christy, why not turn up some tunes in your car 1129 00:54:56.559 --> 00:54:57.599 so you don't share it. 1130 00:54:58.400 --> 00:54:59.280 That's what I would do. 1131 00:55:00.239 --> 00:55:02.320 If I threw it up loud enough, it will drown 1132 00:55:02.400 --> 00:55:04.719 it out. But honestly, most of the time my radio 1133 00:55:04.800 --> 00:55:07.320 is off because I'm usually praying because of this world 1134 00:55:07.480 --> 00:55:08.280 will screwed up? 1135 00:55:08.360 --> 00:55:12.119 All right, Well, look, just just killy, if Kelly, if 1136 00:55:12.119 --> 00:55:14.199 you can give Christy my cell phone number. 1137 00:55:14.840 --> 00:55:16.000 Uh, Christy, I'll wait to. 1138 00:55:16.000 --> 00:55:19.679 Hear and I vouch for him, Christie forever and uh and. 1139 00:55:20.159 --> 00:55:22.239 My office is in downtown Denver, so if you don't 1140 00:55:22.239 --> 00:55:23.920 mind stopping by there up. 1141 00:55:23.880 --> 00:55:27.480 Will actually that or have or maybe swing by the station. 1142 00:55:27.760 --> 00:55:29.880 Oh yeah, in that way. When are you going to 1143 00:55:29.960 --> 00:55:32.199 be down here, Christy? We're in the tech show. 1144 00:55:32.400 --> 00:55:34.519 I have an appointment in Golden at one point thirty, 1145 00:55:34.559 --> 00:55:37.280 but I can be there anytime, like up before. 1146 00:55:37.679 --> 00:55:40.760 Oh well, well Farday's card for her to stop by, 1147 00:55:41.039 --> 00:55:42.440 maybe like around ten thirty. 1148 00:55:42.480 --> 00:55:44.639 Yeah, our show starts at ten, so just come on 1149 00:55:44.800 --> 00:55:45.079 up here. 1150 00:55:45.840 --> 00:55:47.639 When you call me, you know, I won't answer the 1151 00:55:47.679 --> 00:55:49.559 phone because I won't recognize not know that, but we're 1152 00:55:49.599 --> 00:55:50.519 going to have a message. 1153 00:55:50.719 --> 00:55:52.599 So Dimitri and go for a ride with you. But 1154 00:55:52.719 --> 00:55:55.920 we also have we're gonna have Kevin colkin in who 1155 00:55:56.000 --> 00:55:57.360 owns shared in Auto Tech. 1156 00:55:57.559 --> 00:55:58.920 We'll both go for a ride in it. 1157 00:55:59.119 --> 00:56:01.719 Yeah, and let's get let's get a couple opinions on that. 1158 00:56:01.960 --> 00:56:05.880 Then maybe we'll get a little more firepower. But the 1159 00:56:05.960 --> 00:56:09.920 other thing what you might have to do, Dah, is 1160 00:56:10.239 --> 00:56:13.199 go test drive after you go for a ride with hers. 1161 00:56:14.000 --> 00:56:16.760 Act like you're buying one of these same year make model. 1162 00:56:16.960 --> 00:56:18.199 Oh that's a great idea. 1163 00:56:18.280 --> 00:56:21.119 And go test drive. Wanted a dealership to see if 1164 00:56:21.199 --> 00:56:23.920 you can see the difference to where hers is a 1165 00:56:24.000 --> 00:56:27.559 lot more obnoxious or if it's just her no offense, Chrissy, 1166 00:56:27.679 --> 00:56:30.159 We just don't know right now. Yeah, Chris, believe me. 1167 00:56:30.320 --> 00:56:33.280 I questioned my own sanity and my hearing and my memory. 1168 00:56:33.559 --> 00:56:36.760 But my daughter was with me. She's twenty four years 1169 00:56:36.760 --> 00:56:39.639 old and she's one of those people who's very in 1170 00:56:39.800 --> 00:56:45.960 tune with life, and she confirmed that, Yes, your vehicle 1171 00:56:46.039 --> 00:56:48.960 is making those noises. Know that vehicle is not making 1172 00:56:49.039 --> 00:56:52.960 those noises. And if they're quote unquote normal functioning, normal. 1173 00:56:52.760 --> 00:56:57.119 Operation, and I get we'll look into that. But the AC, 1174 00:56:57.559 --> 00:57:00.920 by the way, it's pretty standard. I had my shops 1175 00:57:00.960 --> 00:57:03.760 to check in AC. We would take a simple uh, 1176 00:57:04.199 --> 00:57:07.039 almost like a meat thermometer, and you just put it 1177 00:57:07.079 --> 00:57:09.599 in the vent and you're looking for whatever you're looking for. 1178 00:57:09.760 --> 00:57:12.159 I mean, it either is there or not there. Mark 1179 00:57:12.199 --> 00:57:14.679 Shannon should have the video. Maybe after break he can 1180 00:57:14.960 --> 00:57:17.039 play the audio on it. Yeah, we'll see if we 1181 00:57:17.119 --> 00:57:19.119 can hear that. Everybody hold tight, and then a deputy 1182 00:57:19.159 --> 00:57:21.440 bos got a body shop idea, We got lines open 1183 00:57:21.559 --> 00:57:24.599 three zero three seven one three eight two five five. 1184 00:57:24.840 --> 00:57:26.840 We're going to talk some mortgage information too. 1185 00:57:26.960 --> 00:57:33.920 After this, go with a sure thing Denver's Best roofer 1186 00:57:34.079 --> 00:57:35.440 Excel Roofing dot com. 1187 00:57:35.599 --> 00:57:37.639 You don't pay a cent until you're content. 1188 00:57:41.039 --> 00:57:44.159 Time for an insurance check up free no obligation comparison 1189 00:57:44.360 --> 00:57:47.880 call Compass Insurance paying too much your coverage at dozens 1190 00:57:47.920 --> 00:57:50.639 of insurance companies find out now three o three seven 1191 00:57:50.760 --> 00:57:53.519 seven to one help. You'll think you're his only customer 1192 00:57:53.599 --> 00:57:55.760 when you choose Frank durand the real estate Man dot 1193 00:57:55.880 --> 00:57:59.159 com to list your home with Remax Alliance three oh 1194 00:57:59.199 --> 00:58:01.159 three nine two zero sixteen twenty two. 1195 00:58:05.599 --> 00:58:07.760 All right, three oh three seven one three eight two 1196 00:58:08.000 --> 00:58:10.719 five five three oh three Martino, I'll be looking forward 1197 00:58:10.760 --> 00:58:13.920 to that. On car Friday, we do have lines open 1198 00:58:13.960 --> 00:58:15.960 three oh three seven one three eight two five five. 1199 00:58:16.280 --> 00:58:18.599 By the way, I want to tell you about eight 1200 00:58:18.840 --> 00:58:22.440 eight eight heating dot com. Garrett and the gang are 1201 00:58:22.559 --> 00:58:25.800 absolutely wonderful people. They're honest as a day is long, 1202 00:58:26.199 --> 00:58:27.960 and they're always going to give you a price on 1203 00:58:28.119 --> 00:58:32.800 fixing something, even if your furnace is fifteen twenty years old, 1204 00:58:33.119 --> 00:58:35.440 if the blowers broke, they're going to tell you how 1205 00:58:35.519 --> 00:58:38.320 much for a new blower. They're gonna give you options. 1206 00:58:38.320 --> 00:58:40.480 They're gonna say, Okay, a new blower is five hundred bucks, 1207 00:58:40.880 --> 00:58:43.079 but you know it's twenty years old. You might want 1208 00:58:43.119 --> 00:58:45.280 to consider a new one. They'll talk to you about, 1209 00:58:45.599 --> 00:58:48.599 you know, normal efficiency, high efficiency, whatever you want to 1210 00:58:48.639 --> 00:58:51.159 hear about, mini splits, heat pumps, you name it. These 1211 00:58:51.199 --> 00:58:54.719 guys have it. They're just great, great, great people and 1212 00:58:54.920 --> 00:58:57.159 they're always going to give you that option. You're really 1213 00:58:57.239 --> 00:59:00.679 going to appreciate that this day, these days eight heating 1214 00:59:00.719 --> 00:59:04.559 dot com. That's eight eight eight heating dot com. Now 1215 00:59:05.559 --> 00:59:07.559 I want to go to Deputy Boat real quick. By 1216 00:59:07.559 --> 00:59:09.960 the way, he's got a body shop suggestion. 1217 00:59:10.239 --> 00:59:10.320 Bo. 1218 00:59:10.480 --> 00:59:13.039 I'll give you time to do that in a second. 1219 00:59:13.119 --> 00:59:15.719 But we had the mayor, right Stephanie. 1220 00:59:16.360 --> 00:59:18.599 Yeah, he hasn't responded back to me, but he was 1221 00:59:18.679 --> 00:59:21.119 the mayor of Kiowa, a gentleman that I know, and. 1222 00:59:22.840 --> 00:59:24.800 I think so, and that's what I asked either he 1223 00:59:24.920 --> 00:59:27.519 either is the mayor, was the mayor of Kiowa. So, 1224 00:59:27.760 --> 00:59:30.199 in other words, are right down from Elizabeth. We had 1225 00:59:30.239 --> 00:59:33.960 someone last hour call in going somebody around the franktown 1226 00:59:34.039 --> 00:59:37.159 Elizabeth Parker are a good body shop and he said, 1227 00:59:37.239 --> 00:59:41.239 these guys are absolutely great, family owned and operated. They're 1228 00:59:41.360 --> 00:59:46.480 in Elizabeth and they're called Bender Menders and their phone 1229 00:59:46.559 --> 00:59:51.559 numbers three oh three six four six three three seven 1230 00:59:51.599 --> 00:59:53.079 eight BO. Who were you thinking of? 1231 00:59:54.320 --> 00:59:58.199 I was thinking of Try Lakes Collision Center. 1232 00:59:58.480 --> 01:00:00.719 Where are they at the Monument. 1233 01:00:00.840 --> 01:00:03.480 They're off Highway one oh five and. 1234 01:00:03.719 --> 01:00:07.559 I think Beacon Like Road. My brother in law lives there. 1235 01:00:07.679 --> 01:00:08.559 He's used them. 1236 01:00:08.519 --> 01:00:09.400 A couple times. 1237 01:00:09.880 --> 01:00:12.400 They're a mom and pop auto. 1238 01:00:12.199 --> 01:00:14.800 Body shop and I think they do some engine repair 1239 01:00:14.960 --> 01:00:17.559 to They have four bay doors. 1240 01:00:17.320 --> 01:00:20.039 And he said nothing but good luck with them, and 1241 01:00:20.079 --> 01:00:21.119 they have good reviews. 1242 01:00:21.679 --> 01:00:24.599 It's Try Lakes Collision Center in Monument. 1243 01:00:24.840 --> 01:00:27.440 I love it Try Lakes and then from the mayor 1244 01:00:27.440 --> 01:00:31.719 of Kiowa Bender Menders. Very cool. Any updates for us. 1245 01:00:31.760 --> 01:00:33.199 It's been a slow week, honestly. 1246 01:00:34.559 --> 01:00:35.719 I'm working on that. 1247 01:00:35.960 --> 01:00:38.280 Actually mostly done with it. The lady that called in 1248 01:00:38.400 --> 01:00:42.760 yesterday about the shower pan, she wanted Home Deepot to 1249 01:00:42.840 --> 01:00:47.000 return it because her contractor installed it wrong. 1250 01:00:47.840 --> 01:00:50.960 Well, if I recall, it was the wrong size shower pan. 1251 01:00:51.599 --> 01:00:53.000 It was the wrong size. 1252 01:00:53.119 --> 01:00:53.880 It was the. 1253 01:00:53.960 --> 01:00:56.760 Contractor installed it, which is a little strange. 1254 01:00:58.199 --> 01:01:02.320 Well, what happened to lady, her name was Terry. She 1255 01:01:02.800 --> 01:01:06.480 ordered the shower pan from Home Depot and she ordered 1256 01:01:06.679 --> 01:01:10.159 to save some money instead of having the contractor buy it. 1257 01:01:10.280 --> 01:01:14.920 So the contractor just did what she wanted and installed 1258 01:01:15.199 --> 01:01:17.800 the shower pan. And I think it was just a 1259 01:01:17.920 --> 01:01:21.519 case of buyer's remorse once she looked at it. She 1260 01:01:21.679 --> 01:01:24.360 wanted a larger one. She wanted a thirty eight by 1261 01:01:24.480 --> 01:01:28.320 thirty eight. Well, to me, that's not the contractor's fault, 1262 01:01:28.880 --> 01:01:32.599 nor it's Home Depot's fault. She just ordered. She just 1263 01:01:32.880 --> 01:01:35.679 ordered that particular one and decides she didn't like the 1264 01:01:35.800 --> 01:01:39.559 size and wanted the Home Depot to pay the casts. 1265 01:01:39.599 --> 01:01:41.280 What do you think the fix is going to be? 1266 01:01:43.119 --> 01:01:45.039 I told her, if she wanted. 1267 01:01:44.760 --> 01:01:48.119 It done, she should call that person on our referral 1268 01:01:48.199 --> 01:01:50.960 list Discount Bath, to come out and give her an 1269 01:01:51.079 --> 01:01:54.079 estimate to carry it out and to install a. 1270 01:01:54.159 --> 01:01:57.679 Thirty eight by thirty eight in shower pan that she wanted. 1271 01:01:57.800 --> 01:01:59.800 She just she ordered the wrong one. 1272 01:02:00.119 --> 01:02:02.440 See I could look at this look. I know she 1273 01:02:02.679 --> 01:02:04.639 ordered the wrong one, but I can look at this 1274 01:02:04.840 --> 01:02:10.320 two ways. So the rest of the shower was already done, 1275 01:02:10.400 --> 01:02:12.119 all they had to do was put the pan in. 1276 01:02:12.280 --> 01:02:14.320 I guess I don't understand how it looked. 1277 01:02:16.840 --> 01:02:19.679 They did a complete tear out and. 1278 01:02:19.760 --> 01:02:21.840 Then the first thing to go in was the pan. 1279 01:02:23.000 --> 01:02:24.760 The first thing to go in was the pand well, 1280 01:02:24.800 --> 01:02:26.079 then I completely. 1281 01:02:25.719 --> 01:02:28.280 Agree with you. That's that's going to be her fault. 1282 01:02:28.639 --> 01:02:31.159 Right, And I told her she has no recourse with him. 1283 01:02:31.360 --> 01:02:33.960 I mean she just ordered, she's the one who ordered it. 1284 01:02:35.320 --> 01:02:37.679 And then call the contract. 1285 01:02:37.760 --> 01:02:40.119 I mean, how much. It can't be crazy to pull 1286 01:02:40.199 --> 01:02:42.400 that out and put another one in. Or maybe she 1287 01:02:42.679 --> 01:02:46.000 just lives with it. It's only a two inch difference. 1288 01:02:46.679 --> 01:02:49.559 I told her the exactly the same thing, mark, or. 1289 01:02:49.599 --> 01:02:51.280 A four inch difference actually. 1290 01:02:51.519 --> 01:02:53.639 Because it's going to cost a couple grand to tear 1291 01:02:53.679 --> 01:02:55.719 out all the ground and the tile and redo it. 1292 01:02:55.960 --> 01:02:56.159 Yeah. 1293 01:02:56.960 --> 01:02:59.719 Yeah, maybe she does live with it because honestly, it's 1294 01:02:59.760 --> 01:03:02.719 only well it's really a four inch difference. It's two 1295 01:03:02.800 --> 01:03:06.920 inches of every side, right, Yeah, you're right. Yeah, so 1296 01:03:07.119 --> 01:03:09.360 that's a that's a little curious. Yeah, I mean it's 1297 01:03:09.440 --> 01:03:11.840 up to her. She did mess up. I was thinking 1298 01:03:11.920 --> 01:03:15.280 they installed it like after the walls were done and 1299 01:03:15.400 --> 01:03:18.039 it was evident it didn't fit. And I'm going, who 1300 01:03:18.079 --> 01:03:20.800 would install something that's two inches short of the wall 1301 01:03:21.159 --> 01:03:23.519 or the glass or whatever it is? But that's not 1302 01:03:23.679 --> 01:03:26.199 the case. That's the first thing they put down. Then 1303 01:03:26.239 --> 01:03:27.760 they're going to build around the pan. 1304 01:03:28.679 --> 01:03:29.199 That's what she. 1305 01:03:29.400 --> 01:03:34.679 Called about that it was installed wrong, but had nothing 1306 01:03:34.760 --> 01:03:37.679 to do with the shower base being she said it 1307 01:03:37.760 --> 01:03:39.960 was out a I've got it what her issue is. 1308 01:03:40.039 --> 01:03:42.840 But that was the first thing that went in. 1309 01:03:43.079 --> 01:03:47.199 So they built around the shower base that she ordered. 1310 01:03:47.440 --> 01:03:50.079 Yeah, all right, thank you, sir, have a good day. 1311 01:03:50.239 --> 01:03:53.599 Bo right by later man three oh three seven one 1312 01:03:53.639 --> 01:03:55.800 three eight two five five. Got to take a break. 1313 01:03:55.880 --> 01:04:03.599 We got some lines open three oh three Martino, go. 1314 01:04:03.760 --> 01:04:07.320 With a sure thing Denver's best roofer Excel Roofing dot com. 1315 01:04:07.519 --> 01:04:09.519 You don't pay a cent until you're content. 1316 01:04:12.920 --> 01:04:16.440 Time for an insurance checkup free no obligation comparison call 1317 01:04:16.599 --> 01:04:19.840 Compass Insurance paying too much your coverage at dozens of 1318 01:04:19.920 --> 01:04:22.599 insurance companies find out now three all three seven to 1319 01:04:22.639 --> 01:04:23.079 seven to one. 1320 01:04:23.239 --> 01:04:23.440 Help. 1321 01:04:23.679 --> 01:04:26.280 You'll think you're his only customer when you choose Frank 1322 01:04:26.360 --> 01:04:28.760 durand the real estate Man dot com to list your 1323 01:04:28.840 --> 01:04:31.960 home with Remax Alliance three all three nine two zero 1324 01:04:32.079 --> 01:04:33.039 sixteen twenty two. 1325 01:04:34.920 --> 01:04:38.480 Hey John CMG. We were talking during the break. I 1326 01:04:38.840 --> 01:04:43.159 got a question for you. So typically when you're dealing 1327 01:04:43.320 --> 01:04:47.480 with a mortgage broker, that's shopping different banks, different products, sells, 1328 01:04:47.559 --> 01:04:50.840 different products, compare to you where everything you sell is 1329 01:04:50.960 --> 01:04:54.320 the bank CMG right, correct? So how do those guys 1330 01:04:54.440 --> 01:04:58.000 generally make money? So if I go to somebody I 1331 01:04:58.079 --> 01:05:00.719 don't want to use any names, but you know XYZ 1332 01:05:00.960 --> 01:05:04.320 mortgage broker, and I say hey, I'm looking for a loan, 1333 01:05:04.840 --> 01:05:07.840 and they start shopping around, how do they make money? 1334 01:05:08.079 --> 01:05:11.400 I understand how the bank makes money. I understand the 1335 01:05:11.480 --> 01:05:14.679 bond market and how everything somewhat works. I'm not going 1336 01:05:14.760 --> 01:05:17.639 to pretend to be a financial expert here, but how 1337 01:05:17.679 --> 01:05:21.039 does a mortgage broker themselves make money? If they get 1338 01:05:21.159 --> 01:05:24.480 quoted five percent, do they sell it for five and 1339 01:05:24.559 --> 01:05:25.000 a quarter? 1340 01:05:25.440 --> 01:05:25.480 No? 1341 01:05:26.000 --> 01:05:28.679 Do they get paid on Like if it's a five 1342 01:05:28.800 --> 01:05:31.679 hundred thousand dollars loan, they get a point of that upfront? 1343 01:05:31.719 --> 01:05:32.679 I mean, how does that work? 1344 01:05:32.800 --> 01:05:32.960 Well? 1345 01:05:33.039 --> 01:05:35.719 Typically, what they'll have is broker has several different ones 1346 01:05:35.800 --> 01:05:38.639 and they do get paid from whoever they do the 1347 01:05:38.719 --> 01:05:41.880 loan through. And typically you know, they'll start at a 1348 01:05:42.000 --> 01:05:45.559 rate higher you know, because they may make two points 1349 01:05:45.639 --> 01:05:49.000 on that with that lender, So they have different commission 1350 01:05:49.079 --> 01:05:52.079 rates set up with different lenders, Like this lender pays 1351 01:05:52.119 --> 01:05:54.639 them two percent, that lender pays them one and a half. 1352 01:05:55.199 --> 01:05:57.079 So what the kind of the bad thing about it? 1353 01:05:57.320 --> 01:05:59.920 That's like real numbers. Can someone really make like one 1354 01:06:00.039 --> 01:06:01.440 hundred two percent on a loan? 1355 01:06:01.920 --> 01:06:03.039 Yeah, they are real numbers. 1356 01:06:03.159 --> 01:06:05.320 I mean that's crazy. So on a three hundred thousand 1357 01:06:05.320 --> 01:06:07.440 dollars loan they're making six seven grand. 1358 01:06:07.639 --> 01:06:09.719 Well, and typically when you talk with a broker, you know, 1359 01:06:09.800 --> 01:06:11.599 they'll start you at a high rate and then if 1360 01:06:11.639 --> 01:06:14.280 somebody comes to me, I'll give you a rate that 1361 01:06:14.440 --> 01:06:14.880 it should be. 1362 01:06:15.119 --> 01:06:15.280 Yeah. 1363 01:06:15.360 --> 01:06:17.000 Yeah, the broker's going to come back, well, I'll do 1364 01:06:17.079 --> 01:06:19.000 it for that, you know, or they're going to a 1365 01:06:19.039 --> 01:06:21.400 different lender that they get paid a different commission, so 1366 01:06:21.440 --> 01:06:25.000 they'll shop different ones. But they typically don't lead with 1367 01:06:25.159 --> 01:06:27.280 that like we do as the bank. I mean, we 1368 01:06:27.679 --> 01:06:29.920 were coming out and we're giving you starting out with 1369 01:06:30.000 --> 01:06:31.639 that rate. You're starting out with a good rate. 1370 01:06:31.719 --> 01:06:33.400 I'll tell you what. It's the same thing the car 1371 01:06:33.480 --> 01:06:35.800 guys do. Yeah, I mean the car guys. When you 1372 01:06:35.920 --> 01:06:38.239 go into finance, the worst thing in the world you 1373 01:06:38.320 --> 01:06:40.800 can do is say I'm an all cash buyer. People 1374 01:06:40.920 --> 01:06:43.039 think that gives you power, It doesn't give you anything 1375 01:06:43.440 --> 01:06:45.880 because they make money on that loan. You're buying a 1376 01:06:45.960 --> 01:06:48.679 fifty thousand dollars car with five grand down, that's forty 1377 01:06:48.719 --> 01:06:52.039 five thousand dollars loan that could be worth three four 1378 01:06:52.199 --> 01:06:56.639 grand to that cards that car salesman like, literally, it 1379 01:06:56.719 --> 01:07:00.599 can be worth that much, and then is here. The 1380 01:07:00.679 --> 01:07:03.559 brokers also have recourse too, because if I pay it 1381 01:07:03.679 --> 01:07:08.280 off for refi in ninety days, they typically will lose 1382 01:07:08.360 --> 01:07:09.159 whatever they were paying. 1383 01:07:09.199 --> 01:07:12.000 They clawed back. You're right, they typically will lose it 1384 01:07:12.079 --> 01:07:14.880 because they'll even tell a lot of their clients, hey, listen, 1385 01:07:14.880 --> 01:07:16.559 I'm gonna give you this rate, but you can't do 1386 01:07:16.719 --> 01:07:19.960 anything with it, which is false. You can refinance it anytime. 1387 01:07:20.079 --> 01:07:22.199 So typically you're going to be you're going to be 1388 01:07:22.320 --> 01:07:24.079 less off the bat, less off the bat. 1389 01:07:24.119 --> 01:07:28.239 And our our fees are a little lower because obviously 1390 01:07:28.360 --> 01:07:30.199 we're doing all the in house underwriting, all the in 1391 01:07:30.320 --> 01:07:34.039 house processing, everything in house where you're not paying people. Yeah, 1392 01:07:34.079 --> 01:07:36.440 they got a processor and then they got whoever the 1393 01:07:36.559 --> 01:07:37.320 lender has a part. 1394 01:07:37.400 --> 01:07:39.840 How many millions of months to you guys do in lawns? 1395 01:07:40.079 --> 01:07:43.559 Oh boy, we're we're in across the whole country. We're 1396 01:07:43.639 --> 01:07:48.519 we're we're doing almost two billion a month throughout the 1397 01:07:48.519 --> 01:07:49.400 whole United States. 1398 01:07:49.519 --> 01:07:53.159 That's incredible, isn't it. Frank You guys were talking about 1399 01:07:53.280 --> 01:07:57.440 something on break What was that? I was curious boy Mark. 1400 01:07:57.280 --> 01:07:58.800 Club, trying to think which thing were we talk about? 1401 01:07:58.840 --> 01:08:00.920 All the two bhydowns, the two one by down? 1402 01:08:00.960 --> 01:08:01.320 What is it? 1403 01:08:01.400 --> 01:08:02.480 Two to one buy down? 1404 01:08:02.679 --> 01:08:02.840 Yeah? 1405 01:08:02.960 --> 01:08:03.280 Go ahead. 1406 01:08:03.760 --> 01:08:06.119 So basically what will happen is a buyer may come 1407 01:08:06.159 --> 01:08:08.159 in and negotiate and need some help on their interest 1408 01:08:08.239 --> 01:08:10.880 rate buydown. So let's say the rate is currently it's 1409 01:08:10.920 --> 01:08:12.840 seven and a half, which is at six and a half. 1410 01:08:12.719 --> 01:08:15.320 Now, yeah, let's say it's six point seven six point 1411 01:08:15.360 --> 01:08:15.880 seven five. 1412 01:08:16.039 --> 01:08:19.119 So they might start at six five four four point 1413 01:08:19.159 --> 01:08:21.279 seventy five the first year, but they have to qualify 1414 01:08:21.760 --> 01:08:23.279 for the six point seventy five up front. 1415 01:08:23.279 --> 01:08:24.279 That's what a lot of people forget. 1416 01:08:24.720 --> 01:08:26.680 So the first year it's four point seven five, the 1417 01:08:26.760 --> 01:08:28.680 next year goes up to five point seven five. That's 1418 01:08:28.760 --> 01:08:30.880 the two point by right, and it'll max out at 1419 01:08:30.920 --> 01:08:33.520 the six point seven five. Now, the goal hopefully is 1420 01:08:33.600 --> 01:08:35.479 to REFI somewhere in between if you can. If not, 1421 01:08:35.600 --> 01:08:36.880 then your max is what you. 1422 01:08:36.880 --> 01:08:38.920 Started with six, so your ceiling is still going to 1423 01:08:38.960 --> 01:08:41.600 be the six point seven five or six seven five, 1424 01:08:41.680 --> 01:08:44.239 but your first two years you're at four seven five. 1425 01:08:44.760 --> 01:08:47.600 Then it goes up a half yeah, actually a point 1426 01:08:47.720 --> 01:08:50.319 one point one point yeah, and then it then it 1427 01:08:50.439 --> 01:08:53.039 caps if you don't refight. So it's almost like an arm, 1428 01:08:53.079 --> 01:08:54.640 but it's not called do well. 1429 01:08:54.720 --> 01:08:56.800 And the good thing about that is most people do 1430 01:08:57.000 --> 01:09:00.880 refinance within three to five six years. So if you're 1431 01:09:00.960 --> 01:09:02.840 going to refine, if you think you're into something within 1432 01:09:02.880 --> 01:09:05.279 five years what most people do, it's a good way 1433 01:09:05.359 --> 01:09:08.039 to do it and also gives you that lower lower 1434 01:09:08.119 --> 01:09:09.399 interest rate for those first and. 1435 01:09:09.399 --> 01:09:10.880 How much I want to I want to know how 1436 01:09:10.960 --> 01:09:13.920 much of buydown like that is in general, So everybody 1437 01:09:13.960 --> 01:09:16.479 hold on three oh three seven one, three eight, two 1438 01:09:16.600 --> 01:09:18.840 five five. We got another two hours coming up. Corey 1439 01:09:18.920 --> 01:09:21.279 and Eric. I promise I'll bring you guys up. Corey 1440 01:09:21.359 --> 01:09:25.000 says he has additional information on that shower band, so 1441 01:09:25.159 --> 01:09:28.079 we'll dig into that, and I have two lines open 1442 01:09:28.199 --> 01:09:34.760 for you. Three oh three, Martino, go. 1443 01:09:34.920 --> 01:09:38.479 With a sure thing Denver's best roofer Excel roofing dot com. 1444 01:09:38.680 --> 01:09:44.359 You don't pay a cent until you're content. Time for 1445 01:09:44.439 --> 01:09:48.159 an insurance check up free, no obligation comparison call Compass 1446 01:09:48.239 --> 01:09:51.479 Insurance paying too much your coverage at dozens of insurance 1447 01:09:51.520 --> 01:09:54.000 companies find out now three oh three, seven to seven 1448 01:09:54.039 --> 01:09:56.800 to one help. You'll think you're his only customer when 1449 01:09:56.800 --> 01:09:59.079 you choose Frank durand the real Estate Man dot Com 1450 01:09:59.319 --> 01:10:02.439 to list your home with Remax Alliance three oh three 1451 01:10:02.560 --> 01:10:04.199 nine two zero sixteen twenty two. 1452 01:10:10.000 --> 01:10:12.560 Ripped off that news. 1453 01:10:13.479 --> 01:10:18.840 You need advice, so you don't have come running as 1454 01:10:18.920 --> 01:10:23.840 fast as we can. Shooter's gonna help coming man. 1455 01:10:24.720 --> 01:10:31.920 This is the Troubleshooter Show Now, Tom Martinez, Welcome, Welcome. 1456 01:10:31.680 --> 01:10:33.399 My friends to the only show of it's kind. We're 1457 01:10:33.399 --> 01:10:38.279 here to solve problems, answer questions, take complaints. We are 1458 01:10:38.359 --> 01:10:40.119 trying to make your life a little bit better. You 1459 01:10:40.199 --> 01:10:42.439 got any questions you've been ripped off, maybe a bad 1460 01:10:42.560 --> 01:10:46.239 contractor uh, maybe you're facing something you've never faced before 1461 01:10:46.279 --> 01:10:48.640 and you just want some advice. That's what this show 1462 01:10:48.720 --> 01:10:51.079 is for. I've got a group of experts at referral 1463 01:10:51.119 --> 01:10:53.359 list dot com and by the way, some of them 1464 01:10:54.079 --> 01:10:57.720 in studio with us today. John Clace, CMG Home Loans, 1465 01:10:57.760 --> 01:11:00.199 Frank durand the real Estate man, Stephanie Tom I'm a 1466 01:11:00.600 --> 01:11:03.319 realtor in the Pike's Peak region who I've known for 1467 01:11:03.840 --> 01:11:06.439 god over twenty years. I've known everybody in this room 1468 01:11:06.560 --> 01:11:10.920 actually at least ten, if not fifteen, all the way 1469 01:11:11.000 --> 01:11:13.680 to twenty five. These are really good people. You have 1470 01:11:13.760 --> 01:11:17.119 any questions on buying a home, selling a home, anything 1471 01:11:17.199 --> 01:11:21.680 along those, and then of course mortgages in general. We're 1472 01:11:21.720 --> 01:11:24.760 going to dive into some stuff like we were last 1473 01:11:24.840 --> 01:11:28.119 hour with John, but interest rates, I'm curious if he 1474 01:11:28.239 --> 01:11:30.159 thinks things are going to be going down or up. 1475 01:11:30.720 --> 01:11:34.279 And we were talking Tariff's first hour and stock market 1476 01:11:34.399 --> 01:11:37.680 once again, were you know, negative, yeah, roughly five hundred. 1477 01:11:37.920 --> 01:11:42.479 It was negative seven or eight hundred. Tesla, interestingly enough, 1478 01:11:42.640 --> 01:11:45.399 is actually up a little today, not a lot, but 1479 01:11:45.520 --> 01:11:48.760 definitely up today. Trump came out and said he's buying 1480 01:11:48.800 --> 01:11:51.439 a Tesla, and I do agree. We got to support. 1481 01:11:51.800 --> 01:11:53.560 I can't figure out, for the life of me, why 1482 01:11:53.960 --> 01:11:57.199 Musk is getting punished for saving all of our money. Really, 1483 01:11:57.319 --> 01:11:59.920 I mean, call it political, call it what you want, 1484 01:12:00.159 --> 01:12:03.880 but honest to God, you know, we all pay taxes, 1485 01:12:04.000 --> 01:12:06.840 or most of us pay taxes, and we don't want 1486 01:12:07.039 --> 01:12:09.640 our tax money going to stuff we don't want it 1487 01:12:09.760 --> 01:12:12.840 going to It really should be going to people right 1488 01:12:12.880 --> 01:12:15.560 here in the USA. And that's my opinion. And then 1489 01:12:15.600 --> 01:12:18.640 the waste and fraud, you just can't. You just got 1490 01:12:18.800 --> 01:12:21.199 to find it. You know, maybe you shouldn't take a 1491 01:12:21.319 --> 01:12:24.159 chainsaw on to it. People say, use the scalpel. But 1492 01:12:24.800 --> 01:12:27.199 I can't think of the last time anybody's done anything 1493 01:12:27.319 --> 01:12:31.239 like this, guys. I mean, really, I think Obama wanted 1494 01:12:31.279 --> 01:12:34.239 to do something like this. I think Bill Clinton. I 1495 01:12:34.319 --> 01:12:38.039 think even going back to the Bush administrations, everybody wanted 1496 01:12:38.119 --> 01:12:41.800 to kind of cut governments spending. And no one's done it. 1497 01:12:41.960 --> 01:12:44.680 In fact, I think the last person that balanced the 1498 01:12:44.760 --> 01:12:47.760 budget was Bill Clinton. Wasn't that it, I mean, that 1499 01:12:47.920 --> 01:12:51.039 was that's quite a while back. And you know, what 1500 01:12:51.199 --> 01:12:54.560 can I say? But it's kind of weird how these 1501 01:12:54.640 --> 01:12:57.960 guys are getting hit by it. People firebombing Tesla is 1502 01:12:58.000 --> 01:13:02.680 absolutely insane to me. Hey, Eric, what's your question? Real quick? Then, Corey, 1503 01:13:02.760 --> 01:13:05.920 I'll go to you three three seven one three eight 1504 01:13:05.920 --> 01:13:08.520 two five five. Sorry about that, Eric, you got anything 1505 01:13:08.640 --> 01:13:11.000 three oh three seven to one three talk go ahead, Eric. 1506 01:13:12.159 --> 01:13:15.319 Oh yes, sir, thanks for taking my call, sir. At 1507 01:13:15.359 --> 01:13:18.680 the end of twenty twenty two, I got really sick 1508 01:13:19.479 --> 01:13:20.039 and the. 1509 01:13:20.119 --> 01:13:22.640 Doctors couldn't figure out what was wrong with me until 1510 01:13:22.680 --> 01:13:23.720 about a year. 1511 01:13:23.600 --> 01:13:24.239 And a half ago. 1512 01:13:24.920 --> 01:13:26.960 But for the last two or three years, I haven't 1513 01:13:27.000 --> 01:13:30.319 filed any income text papers. I hardly made any money 1514 01:13:30.359 --> 01:13:32.920 at all. But anyway, I was sick all the time, 1515 01:13:33.520 --> 01:13:37.239 and I recently have gotten radiation treatment, so I'm coming 1516 01:13:37.279 --> 01:13:40.399 out of it finally. And I was looking at my 1517 01:13:40.600 --> 01:13:42.880 forms and I never took any. 1518 01:13:42.800 --> 01:13:47.159 Of the table refunds, and I was wondering if I 1519 01:13:47.279 --> 01:13:50.760 can still get them because I went past the October 1520 01:13:50.880 --> 01:13:54.159 deadline and each year except last year. 1521 01:13:54.600 --> 01:13:56.439 So how can I get those back? 1522 01:13:56.600 --> 01:13:59.159 I'm pretty sure with just TABER, if that's all you're 1523 01:13:59.239 --> 01:14:02.520 talking about, have to file by whatever date it is. 1524 01:14:02.680 --> 01:14:04.319 If you don't, I don't think you can get it 1525 01:14:04.399 --> 01:14:07.039 back with TABOR, and I don't think that has changed. 1526 01:14:08.479 --> 01:14:12.279 Okay, So as far as you know, I probably just 1527 01:14:12.399 --> 01:14:13.239 am gonna lose it. 1528 01:14:13.319 --> 01:14:15.319 Then now I would think you're going to lose that. 1529 01:14:15.479 --> 01:14:17.640 I can double check. In fact, let's try to get 1530 01:14:18.760 --> 01:14:21.159 Let's try to get Eric on or somebody over at 1531 01:14:21.199 --> 01:14:26.439 our accounting firm. Kelly got that. Yeah, Eric, he'll know 1532 01:14:26.680 --> 01:14:27.039 for sure. 1533 01:14:27.119 --> 01:14:27.279 Now. 1534 01:14:27.880 --> 01:14:32.079 Interestingly enough, how many years? So you when's the last 1535 01:14:32.159 --> 01:14:33.319 time you filed? What year? 1536 01:14:34.479 --> 01:14:38.720 Well, I filed the ten forty in twenty twenty two, so. 1537 01:14:38.840 --> 01:14:40.399 That's the last one you filed. 1538 01:14:41.319 --> 01:14:41.439 Right. 1539 01:14:42.359 --> 01:14:45.119 Did you get any Yeah? Hold on, hold on, man, 1540 01:14:45.319 --> 01:14:46.760 did you get any COVID money? 1541 01:14:48.119 --> 01:14:49.640 Yes, I did get COVID money. 1542 01:14:49.840 --> 01:14:52.239 How did you get COVID money, say, in twenty three? 1543 01:14:53.800 --> 01:14:54.600 In twenty three? 1544 01:14:55.039 --> 01:14:59.439 Yeah, Well what happened was I was still working and 1545 01:14:59.640 --> 01:15:01.119 I got laid off. 1546 01:15:01.760 --> 01:15:06.840 Yeah, they laid me off, So so I. 1547 01:15:08.439 --> 01:15:12.520 Qualified for it, but I was I was still thick. 1548 01:15:12.600 --> 01:15:14.520 I was only working like three days a week. 1549 01:15:15.199 --> 01:15:17.079 You're kind of missing me. What I'm saying is, if 1550 01:15:17.119 --> 01:15:19.640 you didn't file taxes, how did you get it? Did 1551 01:15:19.720 --> 01:15:21.800 you just simply get to check in the mail? I 1552 01:15:21.960 --> 01:15:23.520 kind of forget it? Is that how it worked? 1553 01:15:23.640 --> 01:15:23.920 There is? 1554 01:15:24.279 --> 01:15:26.760 So the IRS has a form that you file for 1555 01:15:26.960 --> 01:15:30.560 zero income to get your COVID. Yes, so you file 1556 01:15:30.640 --> 01:15:34.079 this form instead of your tax return or I supposed 1557 01:15:34.079 --> 01:15:36.239 you just file tax return. It was zero income on it, 1558 01:15:36.880 --> 01:15:39.760 and they used that as a basis. 1559 01:15:39.840 --> 01:15:40.199 Party. 1560 01:15:40.279 --> 01:15:40.880 Do you do that? 1561 01:15:42.399 --> 01:15:42.640 Well? 1562 01:15:42.760 --> 01:15:46.960 No, I went to the when I got laid off 1563 01:15:47.720 --> 01:15:50.439 and where I work, they told me how to apply 1564 01:15:50.800 --> 01:15:55.840 for unemployment and then I got COVID money and I 1565 01:15:56.119 --> 01:15:59.199 filled out the forums on the internet for the COVID money. 1566 01:15:59.239 --> 01:16:01.920 Okay, so you filled something out for it. I understand 1567 01:16:01.960 --> 01:16:05.239 what you're saying. Is that, Eric Kelly, Hey, Eric, let 1568 01:16:05.279 --> 01:16:10.119 me ask you a question. Eric Ranimir with Atlas Financial 1569 01:16:10.359 --> 01:16:11.600 or I'm sorry, it's what is it? 1570 01:16:11.680 --> 01:16:12.000 What is it? 1571 01:16:12.079 --> 01:16:12.399 Atlas? 1572 01:16:12.479 --> 01:16:12.520 What? 1573 01:16:12.760 --> 01:16:12.920 Eric? 1574 01:16:12.960 --> 01:16:17.560 I'm sorry? Thats CPAs, Yeah, CPAs. So let me ask 1575 01:16:17.640 --> 01:16:18.079 you something. 1576 01:16:18.119 --> 01:16:18.239 Man. 1577 01:16:19.159 --> 01:16:22.760 I've got a caller on Eric, and Eric is saying 1578 01:16:23.479 --> 01:16:26.199 he has not filed taxes since twenty two and twenty 1579 01:16:26.279 --> 01:16:29.239 three and twenty four. If there was COVID money, he 1580 01:16:29.319 --> 01:16:32.239 got that because he went online and filled out whatever 1581 01:16:32.359 --> 01:16:35.760 to get your COVID check. But Tabor, my understanding was 1582 01:16:35.880 --> 01:16:40.119 Tabor you had to actually file at a certain time 1583 01:16:40.279 --> 01:16:42.359 or you would not get it. So, in other words, 1584 01:16:42.439 --> 01:16:45.319 you can't go back. He hasn't filed. Here's here's the 1585 01:16:45.399 --> 01:16:50.560 real question. He hasn't filed taxes for twenty three twenty four. 1586 01:16:51.319 --> 01:16:53.840 So is there any money he missed and can he 1587 01:16:53.960 --> 01:16:56.720 go back and get it? His income was so low 1588 01:16:56.800 --> 01:16:59.239 he's not going to owe any money. But he didn't 1589 01:16:59.239 --> 01:17:00.279 get his Tabor check. 1590 01:17:01.560 --> 01:17:04.279 No, No, if you didn't file timely, then the TABOR 1591 01:17:04.840 --> 01:17:06.960 it's gone up and smoke. It's too late. You can't 1592 01:17:07.039 --> 01:17:10.079 go back retroactively. Was based on filing timely. 1593 01:17:10.319 --> 01:17:12.640 Yeah, I thought, so is there any other money he 1594 01:17:12.760 --> 01:17:14.920 might have missed that he can retro I can't think 1595 01:17:14.960 --> 01:17:16.039 of any No. 1596 01:17:16.239 --> 01:17:18.439 All that stuff was twenty two or prior, so I 1597 01:17:18.520 --> 01:17:19.920 think the only thing that stink with I think it 1598 01:17:20.039 --> 01:17:23.079 was like an eight hundred or sixty hundred dollars taber check. 1599 01:17:23.159 --> 01:17:26.520 But that's it goes away if one didn't file timely 1600 01:17:26.600 --> 01:17:27.079 last year. 1601 01:17:27.279 --> 01:17:29.279 You know, I don't expect you to know the answer 1602 01:17:29.359 --> 01:17:32.680 to this, but what happens to the TABOR money that's 1603 01:17:32.760 --> 01:17:36.199 not claimed? Does it go back into the refund pot 1604 01:17:36.279 --> 01:17:39.000 for everybody else or do we automatically give it to 1605 01:17:40.000 --> 01:17:41.560 the governor or how does that work? 1606 01:17:42.520 --> 01:17:44.920 I think it probably goes to a pool because that 1607 01:17:45.079 --> 01:17:47.439 gets looked at every year. For example, there could be 1608 01:17:47.520 --> 01:17:51.119 a taber refund for twenty five as well. So my 1609 01:17:51.319 --> 01:17:53.640 gut as it probably just goes into a general pool 1610 01:17:53.720 --> 01:17:56.760 that's available to come back at US if there's extra 1611 01:17:56.840 --> 01:17:57.840 money in twenty five. 1612 01:17:58.079 --> 01:18:01.199 Yeah, it's surprising they haven't found a way to scam 1613 01:18:01.359 --> 01:18:04.039 us out of that. Honestly, are you guys really? Your 1614 01:18:04.079 --> 01:18:06.039 guys are really busy this time of year, aren't you. 1615 01:18:06.720 --> 01:18:09.880 We're rocking and rolling in March. Everybody is popping up 1616 01:18:10.159 --> 01:18:10.680 right and left. 1617 01:18:10.960 --> 01:18:14.399 Yeah. When's the corporate returns to the fifteenth of March? 1618 01:18:14.520 --> 01:18:15.439 Right? Yeah? 1619 01:18:15.560 --> 01:18:18.199 And this month because it's on a weekend, it's actually 1620 01:18:18.560 --> 01:18:21.840 on the seventeenth. Everybody's either file or get an extension 1621 01:18:21.880 --> 01:18:22.399 by Monday. 1622 01:18:22.640 --> 01:18:25.159 Yeah, either that or the other. Thing is well, I'm 1623 01:18:25.239 --> 01:18:29.159 saying that for sure. But if all the money, if 1624 01:18:29.199 --> 01:18:32.920 you own different LLC's or partnerships, and all the money 1625 01:18:33.000 --> 01:18:36.640 flows to you and you file through k ones and 1626 01:18:36.760 --> 01:18:41.039 other instruments, basically you don't have to worry till April fifteenth, right. 1627 01:18:42.079 --> 01:18:45.079 That's right in terms of the economics. As long as 1628 01:18:45.119 --> 01:18:48.479 you foil the March fifteenth extension, you can wait until 1629 01:18:48.479 --> 01:18:51.520 April fifteenth to pay. Although there are some states that 1630 01:18:51.640 --> 01:18:54.239 actually have small filing fees as well as you're in 1631 01:18:54.279 --> 01:18:56.600 another state, but that's not the case in Colorado. 1632 01:18:57.079 --> 01:18:59.880 Well, that's good, all right, Eric K. I appreciate. 1633 01:19:00.920 --> 01:19:02.479 Can I ask the man one question? 1634 01:19:02.720 --> 01:19:04.119 Of course you can ask him too. 1635 01:19:04.880 --> 01:19:08.439 Ye, sir, I don't know, I think you're probably right, 1636 01:19:09.039 --> 01:19:13.239 But I read on the internet there's an interview they 1637 01:19:13.319 --> 01:19:17.760 did years ago, and in the interview of this accountant 1638 01:19:18.119 --> 01:19:23.760 on KATIEVR, he says that if you missed the October deadline, 1639 01:19:24.199 --> 01:19:26.840 it carries over to the next year and you can 1640 01:19:26.920 --> 01:19:31.720 claim it on the following year if you missed the deadline. 1641 01:19:31.880 --> 01:19:34.079 Is that I don't know if that's correct, though it 1642 01:19:35.399 --> 01:19:36.039 maybe that was. 1643 01:19:36.039 --> 01:19:38.279 The case years ago. It was a little or leadient, 1644 01:19:38.319 --> 01:19:40.319 but that was not the case for twenty three or 1645 01:19:40.399 --> 01:19:40.920 twenty four. 1646 01:19:41.359 --> 01:19:43.319 Yeah, we're just talking current tax years. 1647 01:19:43.479 --> 01:19:43.600 Eric. 1648 01:19:43.680 --> 01:19:45.760 I mean, anything's possible back in the day. 1649 01:19:46.880 --> 01:19:53.359 So if that's true, then Eric, what part I said? 1650 01:19:53.640 --> 01:19:55.239 Eric, I just got to ask you this. I mean, 1651 01:19:55.279 --> 01:19:58.079 I realize you read it on the internet from some 1652 01:19:58.359 --> 01:20:01.159 interview from way back when on KDVR. I get that, 1653 01:20:01.800 --> 01:20:05.039 but I said it, and then I have an accountant 1654 01:20:05.079 --> 01:20:08.520 on that literally lives and breezes this every day. He 1655 01:20:08.800 --> 01:20:13.159 said it. So what part of you is comfortable saying 1656 01:20:13.319 --> 01:20:14.159 if that's true. 1657 01:20:15.439 --> 01:20:18.239 Well, like you said, for the uh, that may have 1658 01:20:18.399 --> 01:20:21.960 been true earlier, like you know, in the earlier years, 1659 01:20:22.039 --> 01:20:24.840 sure may have been true, but that's not going to affect. 1660 01:20:24.560 --> 01:20:28.600 You pardon, but that doesn't affect your circumstance. 1661 01:20:29.800 --> 01:20:34.359 Well, if that was true for twenty twenty two, then 1662 01:20:34.479 --> 01:20:38.079 I may be able to go back and get at 1663 01:20:38.199 --> 01:20:41.279 least get the twenty twenty two to one possibly and 1664 01:20:41.439 --> 01:20:43.039 maybe the twenty twenty three. 1665 01:20:43.319 --> 01:20:47.760 You know, I don't know, you know, you know, Eric, 1666 01:20:48.319 --> 01:20:50.760 I'm going to ask you one more time. Is there 1667 01:20:50.840 --> 01:20:53.600 any way he can go back and get twenty two 1668 01:20:53.720 --> 01:20:54.600 and twenty three. 1669 01:20:54.600 --> 01:20:56.960 Tabor, not that I'm aware of. 1670 01:20:57.079 --> 01:20:57.359 I don't. 1671 01:20:57.479 --> 01:20:57.880 I don't. 1672 01:20:58.039 --> 01:20:58.960 It was like pay it. 1673 01:21:00.000 --> 01:21:01.359 I mean, the whole plant is they wanted you to 1674 01:21:01.439 --> 01:21:03.960 follow your taxer and so at a certain point they say, 1675 01:21:04.000 --> 01:21:07.560 I'm sorry you didn't file, so you're not you're not eligible. 1676 01:21:07.840 --> 01:21:10.680 Yeah, even if you do enough extensions, you still can't 1677 01:21:10.720 --> 01:21:11.840 get it, correct Eric. 1678 01:21:11.920 --> 01:21:15.399 Yeah, yeah, you had, uh yeah, you had to file kindly. 1679 01:21:16.159 --> 01:21:19.159 So I think it's gone. I think Eric, cheese down 1680 01:21:19.199 --> 01:21:19.760 that tunnel. 1681 01:21:20.520 --> 01:21:23.600 Oh okay, yeah, so it doesn't doesn't carry over to 1682 01:21:23.640 --> 01:21:28.239 the next year, then, no, not at all, No, sir, okay, all. 1683 01:21:28.199 --> 01:21:31.319 Right, that's how those hey on some stuff. 1684 01:21:31.399 --> 01:21:31.560 Though. 1685 01:21:31.600 --> 01:21:35.319 I will say Eric, this, you know, back, I remember 1686 01:21:35.479 --> 01:21:39.279 we went back and our kids were during COVID. They 1687 01:21:39.319 --> 01:21:43.279 were both eighteen at some point, and we went back 1688 01:21:43.359 --> 01:21:47.479 and actually modified No, no, we didn't modify their I'm 1689 01:21:47.520 --> 01:21:50.079 trying to think if we did modify their tax returns. 1690 01:21:50.119 --> 01:21:53.840 I don't think so. But we ended up not carrying 1691 01:21:54.119 --> 01:21:58.079 them as dependents because the COVID money they would get 1692 01:21:58.560 --> 01:22:01.479 was substantially better than what they were worth to us, 1693 01:22:02.439 --> 01:22:03.439 If that makes sense. 1694 01:22:04.079 --> 01:22:05.920 Yeah, that was the case for giving that, you know, 1695 01:22:06.079 --> 01:22:09.279 the irs federal money back in twenty one and twenty two. 1696 01:22:09.279 --> 01:22:11.560 I remember that that was to your advantage of Yeah, it. 1697 01:22:11.560 --> 01:22:15.000 Wasn't that wild. So it's like, because usually the child credit, 1698 01:22:15.079 --> 01:22:17.560 I mean, depending on your income, brack and everything else 1699 01:22:18.079 --> 01:22:21.159 is one thing. But to us, I mean, having them 1700 01:22:21.199 --> 01:22:24.520 as dependents meant almost nothing like five hundred bucks or 1701 01:22:24.600 --> 01:22:28.039 something where they could get money like fifteen hundred or 1702 01:22:28.119 --> 01:22:30.359 twenty five hundred bucks. I mean, it was ridiculous. 1703 01:22:31.000 --> 01:22:33.840 Yeah, cool boy, what do you. 1704 01:22:33.920 --> 01:22:35.560 Let me ask you something? You're an account what do 1705 01:22:35.640 --> 01:22:37.920 you make a tariffs man? Just while I have you, 1706 01:22:38.239 --> 01:22:40.840 you don't have to get political on me. But I mean, 1707 01:22:41.640 --> 01:22:44.479 everybody sees the stock market, but what what is your 1708 01:22:44.600 --> 01:22:45.439 general opinion? 1709 01:22:46.239 --> 01:22:49.880 Well, listen to the economists. They say that in general 1710 01:22:50.000 --> 01:22:53.079 it doesn't seem to really promote everything. It kind of 1711 01:22:53.159 --> 01:22:56.800 freezes things up a little bit. So my understanding is 1712 01:22:56.840 --> 01:22:59.560 it's just right now creating this anxiety, which is to 1713 01:22:59.640 --> 01:23:02.840 cut of any big a big hiccup while everybody waits 1714 01:23:02.840 --> 01:23:05.399 and see how much does it really affect the flow 1715 01:23:05.479 --> 01:23:08.319 of goods back and forth? Yeah, so interdependent right now. 1716 01:23:08.359 --> 01:23:11.600 It's hard when the money and goods going back and 1717 01:23:11.720 --> 01:23:14.560 forth gets a big hiccup, it just just kinds a 1718 01:23:14.600 --> 01:23:16.279 lot of anxiety if nothing else. 1719 01:23:16.560 --> 01:23:20.520 Yeah, I agree, the anxiety you can't even imagine for 1720 01:23:20.560 --> 01:23:23.079 a lot of people, you know, businesses, everybody in the 1721 01:23:23.119 --> 01:23:27.159 stock market, even employees and employers. But the interesting part 1722 01:23:27.359 --> 01:23:30.239 was I would love to see like car manufacturing back here. 1723 01:23:30.560 --> 01:23:32.359 I would love to see a lot of that stuff. 1724 01:23:32.600 --> 01:23:35.760 I would love for our country to be self sufficient 1725 01:23:36.239 --> 01:23:40.680 for pretty much anything, especially like medication and minerals and 1726 01:23:40.960 --> 01:23:45.680 batteries and everything. Chips. Imagine if China took over Taiwan, 1727 01:23:46.039 --> 01:23:48.399 I think ninety percent of the chips in the world 1728 01:23:48.840 --> 01:23:51.039 China would have control on. We got to bring some 1729 01:23:51.159 --> 01:23:54.039 of this stuff back. Hey, Eric, I do appreciate in 1730 01:23:54.119 --> 01:23:59.840 anybody out there, especially especially small businesses that need a 1731 01:24:00.159 --> 01:24:04.920 great accountant that know how to get the best taxes 1732 01:24:05.039 --> 01:24:08.279 for them, period and his story. That's Eric in the gang. 1733 01:24:09.319 --> 01:24:11.880 You can call Erica three oh three seven nine nine 1734 01:24:12.439 --> 01:24:16.039 nine one one one. Three oh three seven nine nine 1735 01:24:16.560 --> 01:24:19.039 nine one one one. 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You'll think you're his only customer when 1743 01:24:46.600 --> 01:24:48.880 you choose Frank durand the real estate Man dot com 1744 01:24:49.119 --> 01:24:52.199 to list your home with Remax Alliance three oh three 1745 01:24:52.319 --> 01:24:53.960 nine two zero sixteen twenty two. 1746 01:24:57.479 --> 01:25:00.760 All right, three oh three seven one three eight two 1747 01:25:01.199 --> 01:25:06.399 five five three O three Martino, Now, uh, here's a 1748 01:25:06.479 --> 01:25:08.279 quick what is this a quick comment? I'll go to 1749 01:25:08.479 --> 01:25:10.439 Eric first, then I'll go to Corey. We do have 1750 01:25:10.520 --> 01:25:13.079 two lines open three O three seven one three eight 1751 01:25:13.119 --> 01:25:14.760 two five five Eric, what's going on? 1752 01:25:14.920 --> 01:25:16.159 Man? Hi? 1753 01:25:16.359 --> 01:25:17.039 Tom Martino? 1754 01:25:17.199 --> 01:25:18.119 You great American. 1755 01:25:19.359 --> 01:25:22.640 Yeah, you had mentioned, young man, that Bill Clinton had 1756 01:25:22.720 --> 01:25:28.680 passed the budget. But if you remember that, it was 1757 01:25:28.840 --> 01:25:31.880 new Game Ridge, the Speaker of the House, the Republican 1758 01:25:32.199 --> 01:25:32.920 that passed the bug. 1759 01:25:33.039 --> 01:25:35.920 Yeah, they came together on it. That's true, Yes, sir. 1760 01:25:36.199 --> 01:25:39.640 Yeah, Bill Clinton he just took credit for it, you know, 1761 01:25:39.840 --> 01:25:42.880 because he was in office at the time, and he 1762 01:25:43.039 --> 01:25:45.920 never did speak upon that, Tom, Bill Clinton did. 1763 01:25:46.159 --> 01:25:49.760 Okay, But yeah, and you know, all right, Eric Thanke 1764 01:25:49.840 --> 01:25:52.000 you for your clarification here this morning. 1765 01:25:52.119 --> 01:25:55.640 Tom say that again, I think earlier that you talked 1766 01:25:55.680 --> 01:25:59.079 about the tariffs this morning. Yes, at the beginning of 1767 01:25:59.199 --> 01:25:59.600 your show. 1768 01:25:59.720 --> 01:26:01.520 Yes, President Trump. 1769 01:26:01.399 --> 01:26:03.479 I love him the death he is now. 1770 01:26:03.520 --> 01:26:04.800 The tariff. 1771 01:26:09.000 --> 01:26:10.359 I do like such for Tad. 1772 01:26:10.479 --> 01:26:10.640 Eric. 1773 01:26:10.680 --> 01:26:14.560 By the way, I'm Mark, I'm not Tom. After five 1774 01:26:14.680 --> 01:26:17.439 times I have to correct you. Generally, I won't correct people. 1775 01:26:18.039 --> 01:26:19.640 You guys sound so much alike. 1776 01:26:19.840 --> 01:26:20.520 It's crazy. 1777 01:26:20.800 --> 01:26:21.760 That's not a good way. 1778 01:26:22.479 --> 01:26:23.239 Yeah, that's great. 1779 01:26:23.720 --> 01:26:26.920 I'm more I'm probably a little more conservative. Thank you, 1780 01:26:27.119 --> 01:26:27.920 Eric for your comment. 1781 01:26:29.720 --> 01:26:30.479 And more elegant. 1782 01:26:30.560 --> 01:26:36.359 I'm more elegant, and I've got better diction. Hey Corey, uh, 1783 01:26:36.800 --> 01:26:39.279 I don't know what we're going to find out about this, 1784 01:26:39.479 --> 01:26:42.039 but you say you're the son in law of Terry 1785 01:26:42.880 --> 01:26:47.159 who had the problem with the fan or I'm sorry 1786 01:26:47.239 --> 01:26:49.760 the shower pan? Yeah, so what what? 1787 01:26:50.000 --> 01:26:50.039 What? 1788 01:26:50.399 --> 01:26:50.439 What? 1789 01:26:50.760 --> 01:26:55.439 More information? But basically for people listening, Terry called in 1790 01:26:55.600 --> 01:26:58.760 and said, hey, I hired a contractor to install a 1791 01:26:58.880 --> 01:27:02.760 shower and I ordered the shower pan from home Depot. 1792 01:27:02.840 --> 01:27:05.680 The shower pan showed up, they installed it, but it 1793 01:27:05.760 --> 01:27:09.439 turns out to shower pan was too small, and that's 1794 01:27:09.560 --> 01:27:11.880 kind of what happened. So what what say you? 1795 01:27:12.439 --> 01:27:16.439 Yeah, yeah, what kind of happened? Thanks for having me 1796 01:27:16.479 --> 01:27:18.560 on is uh, you know, my mother in law did 1797 01:27:18.640 --> 01:27:21.199 order the shower pan, and it's an important thing. It's 1798 01:27:21.239 --> 01:27:24.600 a it's a corner unit and so it's like a diamond, 1799 01:27:24.640 --> 01:27:27.479 and so there's a three panel glass door that goes 1800 01:27:27.680 --> 01:27:30.960 with that pan, and so she ordered the right size. 1801 01:27:31.039 --> 01:27:33.720 Home Depot acknowledged that the right size is ordered. Home 1802 01:27:33.800 --> 01:27:37.520 Depot sent the wrong size pan, got it and acknowledged 1803 01:27:37.520 --> 01:27:40.119 they sent the wrong size pan. But then the contractor 1804 01:27:40.319 --> 01:27:42.920 put it in, set it, tiled around it, and then 1805 01:27:43.039 --> 01:27:46.279 essentially measured and so now the glass door that was 1806 01:27:46.399 --> 01:27:47.840 ordered with the pan doesn't fit. 1807 01:27:48.039 --> 01:27:51.800 But how would listen Corey, this this is what bothers 1808 01:27:51.920 --> 01:27:59.319 me about this. So how would the contractor know if 1809 01:27:59.399 --> 01:28:02.119 the shower wasn't already there. In other words, the pan 1810 01:28:02.279 --> 01:28:06.680 goes in first, right, right, and so that it was. 1811 01:28:06.680 --> 01:28:09.920 A replacement, and so it was an exact, exact size replacement. 1812 01:28:10.119 --> 01:28:14.199 Well, I know that the contractor. Are you saying it's 1813 01:28:14.279 --> 01:28:15.960 the contractor's. 1814 01:28:15.239 --> 01:28:15.960 Fall call in? 1815 01:28:18.039 --> 01:28:20.560 Well, I would. The frustration is where it came in 1816 01:28:20.720 --> 01:28:23.119 is that they didn't measure, and so they knew they 1817 01:28:23.159 --> 01:28:26.119 had the door, they had the pan, and so what 1818 01:28:26.199 --> 01:28:27.239 do you mean they had the door? 1819 01:28:27.319 --> 01:28:29.680 What do you mean by that they had the full enclosure? 1820 01:28:31.720 --> 01:28:31.840 Oh? 1821 01:28:31.920 --> 01:28:33.479 Yeah, yeah, it's a separate door. 1822 01:28:33.640 --> 01:28:35.199 I want to get hold on. I want you to 1823 01:28:35.279 --> 01:28:37.880 stay on. I really do listen. I want you to 1824 01:28:37.960 --> 01:28:41.119 stay on. Kelly. I want you to get Chris from 1825 01:28:41.239 --> 01:28:45.720 Discount bath On or Mark Schamansky or both of them, 1826 01:28:45.840 --> 01:28:49.720 Mark with Genesis. I want to ask from a contractor's 1827 01:28:49.840 --> 01:28:53.079 perspective of what the deal is. But let me ask 1828 01:28:53.159 --> 01:28:55.479 Corey one more thing, Corey. I want to get them on. 1829 01:28:55.640 --> 01:28:57.640 I I really do want to kind of go down 1830 01:28:57.680 --> 01:29:00.600 that road with you. But let me ask you this. Yeah, yeah, 1831 01:29:00.840 --> 01:29:04.119 is home depot. Are they willing to do absolutely anything 1832 01:29:04.520 --> 01:29:09.760 for sending the wrong size? And I'm not even saying 1833 01:29:09.800 --> 01:29:11.039 it's there there far. 1834 01:29:12.479 --> 01:29:14.439 Right right, and that's why, and that's why I kind of, 1835 01:29:14.479 --> 01:29:15.760 you know, I had her call because I was I 1836 01:29:15.840 --> 01:29:18.479 was I was more interested to see what what people 1837 01:29:18.479 --> 01:29:21.359 would think, okay, because it's kind of that gray area 1838 01:29:21.520 --> 01:29:22.399 like you're saying, you know, and. 1839 01:29:22.479 --> 01:29:25.000 So it's crazy. But hold on, we're going to get 1840 01:29:25.039 --> 01:29:27.279 one of our experts on. If not too, I'm going 1841 01:29:27.359 --> 01:29:30.880 to give you an idea of kind of something similar 1842 01:29:30.960 --> 01:29:33.760 that just happened to Suzanne and I. We had a 1843 01:29:33.840 --> 01:29:37.319 contractor do our bathroom. Did a great job. It's absolutely gorgeous, 1844 01:29:37.880 --> 01:29:41.359 and we got a steam shower and in the steam 1845 01:29:41.439 --> 01:29:45.279 shower we have speakers, and we have a light, and 1846 01:29:45.520 --> 01:29:49.239 we have a touch screen panel that operates the touch 1847 01:29:49.399 --> 01:29:53.279 that operates the steam shower, and it operates. I know 1848 01:29:53.399 --> 01:29:55.159 people are out there like, oh, it must be nice. 1849 01:29:55.159 --> 01:29:57.960 Well you know what, nice, it's beautiful and we love it. 1850 01:29:58.279 --> 01:30:03.479 But anyhow, listen to this. So everything's white and the 1851 01:30:03.640 --> 01:30:07.079 touch screen died. So I called up mister steam that's 1852 01:30:07.159 --> 01:30:10.520 the manufacturer, not the contractor, and I told him what 1853 01:30:10.680 --> 01:30:12.600 was going on, and they said, try this, try that, 1854 01:30:12.720 --> 01:30:15.239 and it's got like a five year warranty. So they 1855 01:30:15.359 --> 01:30:19.520 send out a new screen. I put the box on 1856 01:30:21.479 --> 01:30:24.560 the sink in the bathroom. I call up my contractor, 1857 01:30:24.640 --> 01:30:30.039 great guy, absolutely great guy, and I said, I said, Luis, 1858 01:30:31.239 --> 01:30:34.319 it went out. I'm hoping you can swap this out. 1859 01:30:34.439 --> 01:30:36.479 He goes, Oh, no problem, Mark, I'll handle it for you. 1860 01:30:36.600 --> 01:30:40.479 It's no big deal. Okay, no big deal. He comes out, 1861 01:30:40.920 --> 01:30:43.520 we come home. He installed the new one. It's on 1862 01:30:43.760 --> 01:30:48.359 and everything. But you're ready for this. It's black. They 1863 01:30:48.520 --> 01:30:51.239 sent there's two colors. They make them in white and black. 1864 01:30:51.720 --> 01:30:55.239 So the contractor installed the black one. So you can 1865 01:30:55.279 --> 01:30:59.439 look at it two ways. One, mister Steam should have 1866 01:30:59.479 --> 01:31:03.720 sent the right color. Two Susanna or I probably should 1867 01:31:03.720 --> 01:31:07.000 have opened the box and looked at it. Three him 1868 01:31:07.039 --> 01:31:12.000 being the contractor probably who installed everything, probably should have 1869 01:31:12.079 --> 01:31:15.039 realized it was the wrong one too. But thank god, 1870 01:31:15.199 --> 01:31:18.479 mister Steam is a great company. So I called him back. 1871 01:31:18.760 --> 01:31:21.720 I had to take a picture of it, and sure enough, 1872 01:31:21.800 --> 01:31:24.520 they sent us out the white one. So now now 1873 01:31:24.840 --> 01:31:27.359 Luis will come out and install that one in our shower. 1874 01:31:27.600 --> 01:31:30.239 So it's kind of crazy, but everybody holds tight. Three 1875 01:31:30.319 --> 01:31:32.880 oh three, seven, one, three eight, two, five to five, 1876 01:31:39.439 --> 01:31:40.399 go with a sure thing. 1877 01:31:40.560 --> 01:31:43.880 Denver's Best roofer Excel roofing dot com. You don't pay 1878 01:31:43.920 --> 01:31:50.000 a cent until you're content. Time for an insurance check 1879 01:31:50.079 --> 01:31:53.920 up free, no obligation. In comparison, call Compass Insurance paying 1880 01:31:54.000 --> 01:31:57.000 too much your coverage at dozens of insurance companies find 1881 01:31:57.039 --> 01:31:59.359 out now three oh three seven to seven to one help. 1882 01:31:59.520 --> 01:32:02.199 You'll think you're his only customer when you choose Frank 1883 01:32:02.279 --> 01:32:04.640 durand the real estate Man dot com to list your 1884 01:32:04.760 --> 01:32:07.840 home with Remax Alliance three oh three nine two zero 1885 01:32:08.000 --> 01:32:09.039 sixteen twenty two. 1886 01:32:20.800 --> 01:32:23.399 Right three three seven one three eight two five five. 1887 01:32:24.399 --> 01:32:27.680 I'm going to tell you guys this story next hour. 1888 01:32:27.880 --> 01:32:30.640 That's just amazing. My daughter and I got left at sea. 1889 01:32:31.279 --> 01:32:34.479 Uh no kidding, absolutely no kidding. And the whole reason 1890 01:32:34.520 --> 01:32:36.199 I'm thinking of this, and I promise I'll go to 1891 01:32:36.279 --> 01:32:40.560 the phones, was this poor woman missing in Puntakana, the 1892 01:32:40.680 --> 01:32:44.439 Dominican Republic. Suzanna and I spent three weeks here with 1893 01:32:44.600 --> 01:32:48.439 our kids years ago. In fact, it was right before 1894 01:32:48.479 --> 01:32:51.319 I got back with Tom. I sold my last Goodyear 1895 01:32:51.399 --> 01:32:55.960 store in twenty fourteen or fifteen, and Tom needed some 1896 01:32:56.119 --> 01:32:58.399 help here and he reached out to me, and right 1897 01:32:58.520 --> 01:33:02.119 prior to coming back here, I decided I was going 1898 01:33:02.199 --> 01:33:04.520 to take a long vacation. I worked my ass off 1899 01:33:05.399 --> 01:33:08.319 for long enough over a long period of time. So 1900 01:33:08.479 --> 01:33:11.880 we went to Punta Canna for three weeks. And the 1901 01:33:12.000 --> 01:33:14.720 story I'm going to tell you is absolutely unbelievable. If 1902 01:33:14.720 --> 01:33:18.560 you've been keeping up with this story, nothing surprises us 1903 01:33:19.159 --> 01:33:24.359 that can happen in Poona Canna. But that's coming up meantime. Chris, Chris, 1904 01:33:24.479 --> 01:33:27.600 Console discount Bath dot com. Chris, how are you doing today? 1905 01:33:27.640 --> 01:33:27.800 Man? 1906 01:33:30.600 --> 01:33:31.840 Hey, Chris, how are you doing? 1907 01:33:31.920 --> 01:33:32.119 Man? 1908 01:33:33.239 --> 01:33:36.600 I'm good, I am doing good. Chris. I've got a 1909 01:33:36.720 --> 01:33:40.399 question for you, man. So I'm going to bring up Corey. 1910 01:33:40.600 --> 01:33:42.600 Let me lock you and I got Cory up. But Corey, 1911 01:33:42.680 --> 01:33:45.399 hold on, let me talk real quick. So Chris, here's 1912 01:33:45.439 --> 01:33:47.760 what happened. And by the way, Discount Bath has nothing 1913 01:33:47.800 --> 01:33:50.039 to do with this. He's being our expert on the air. 1914 01:33:50.399 --> 01:33:53.640 In fact, Chris and the gang at Discount Bath you 1915 01:33:53.720 --> 01:33:56.000 can find on a referral listor referral list dot com 1916 01:33:56.680 --> 01:33:59.560 great guys and do exactly what they do. Discount Bath. 1917 01:33:59.640 --> 01:34:04.880 Remind so, Corey is the son and loss. So Terry 1918 01:34:05.000 --> 01:34:09.039 called us up last week and she hired a contractor 1919 01:34:09.479 --> 01:34:12.239 that was going to do a shower enclosure. And I 1920 01:34:12.359 --> 01:34:16.640 believe the original shower that was there was thirty eight inches, right, Corey. 1921 01:34:18.720 --> 01:34:20.119 Yeah, I believe so that sounds about right. 1922 01:34:20.239 --> 01:34:22.199 Yeah, I think it was thirty eight inches. So the 1923 01:34:22.319 --> 01:34:25.319 pan is thirty eight inches square? Is that grat Corey? 1924 01:34:26.439 --> 01:34:27.319 Or is it rectangle? 1925 01:34:27.720 --> 01:34:30.199 It's a diamond, so it's five sided, okay. 1926 01:34:30.039 --> 01:34:33.439 Five sided, But regardless, the pan is the size of 1927 01:34:33.479 --> 01:34:37.399 the pan. So she wanted to save some money and 1928 01:34:37.520 --> 01:34:40.880 basically ordered the pan through home Depot and then had 1929 01:34:40.920 --> 01:34:44.800 her contractor install the pan. So they did the demo, 1930 01:34:45.199 --> 01:34:47.479 and Corey, please interrupt me if I get something wrong. 1931 01:34:47.800 --> 01:34:50.079 They did the demo of the old stuff. They pulled 1932 01:34:50.079 --> 01:34:53.119 out the old walls, they demoed the old pan, and 1933 01:34:53.239 --> 01:34:56.520 then they grabbed the home Depot one and installed the pan. 1934 01:34:57.199 --> 01:35:01.880 At the same time, they also had the wall fixtures there. 1935 01:35:02.000 --> 01:35:02.119 Right. 1936 01:35:02.239 --> 01:35:04.560 Did they have the walls there and the glass air Cory? 1937 01:35:04.640 --> 01:35:07.119 I know a big section of it was glass and 1938 01:35:07.239 --> 01:35:10.800 then there was some wall. Yeah, so everything was there. 1939 01:35:10.920 --> 01:35:12.720 Yeah, the original wall was there. 1940 01:35:13.680 --> 01:35:16.039 The original wall was there, and then what else was 1941 01:35:16.079 --> 01:35:20.800 there for the new shower? Was the enclosure there? 1942 01:35:21.159 --> 01:35:25.239 So what they did, yeah, it was their pan and 1943 01:35:25.399 --> 01:35:26.239 the class door. 1944 01:35:26.439 --> 01:35:29.760 Yeah, so here's the bottom line, Christ and then I'll 1945 01:35:29.840 --> 01:35:32.199 let Corey fill into the details. I want you to 1946 01:35:32.239 --> 01:35:34.920 ask questions because you're going to know questions that I'm 1947 01:35:34.960 --> 01:35:39.039 not asking. So the bottom line is she ordered the 1948 01:35:39.119 --> 01:35:42.279 pan from Home Depot. She ordered a thirty eight inch pan, 1949 01:35:42.399 --> 01:35:45.840 and that's what it was supposed to be. They shipped 1950 01:35:46.000 --> 01:35:49.000 a thirty six inch pan. So even though the invoice, 1951 01:35:49.039 --> 01:35:51.800 in the order everything was right, she ended up with 1952 01:35:51.920 --> 01:35:57.560 the wrong product. The contractor installed the pan, wrong product. 1953 01:35:57.960 --> 01:36:00.520 And that's where we're at right now. Who's is it? 1954 01:36:04.000 --> 01:36:04.760 Home Depots? 1955 01:36:05.760 --> 01:36:08.079 So you would say, honestly, you would say it's Home 1956 01:36:08.119 --> 01:36:12.560 Depot's fault. The contractor shouldn't have measured it. But now, Corey, 1957 01:36:12.680 --> 01:36:14.159 I want you to say wit to him. 1958 01:36:14.720 --> 01:36:15.960 Let me throw something. 1959 01:36:15.720 --> 01:36:16.640 Atch you real quick. 1960 01:36:17.600 --> 01:36:20.279 Home Depot doesn't do custom pans that I'm aware of, 1961 01:36:21.640 --> 01:36:24.640 So thirty six is a standard size, thirty eight is custom. 1962 01:36:25.439 --> 01:36:27.960 So there's no way that she could have gotten a 1963 01:36:28.000 --> 01:36:29.680 thirty eight inch pan from Home Depot. 1964 01:36:30.479 --> 01:36:33.119 So on her invoice, Corey does what does it say 1965 01:36:33.199 --> 01:36:33.880 on the invoice? 1966 01:36:35.479 --> 01:36:38.239 Yeah, so they've acknowledged that she ordered the correct one 1967 01:36:38.279 --> 01:36:39.640 and that they sent the wrong one. 1968 01:36:40.039 --> 01:36:44.319 Okay, no matter what, it's got to take him at that, Chris, Okay, 1969 01:36:45.680 --> 01:36:48.119 whether it's correct or not, I'm not even arguing, but 1970 01:36:48.279 --> 01:36:51.760 let's just take that as facts. But you still think 1971 01:36:51.840 --> 01:36:55.279 the same thing. How about the fact that the contractor 1972 01:36:56.079 --> 01:36:58.479 didn't measure it? Would that even matter? How would they 1973 01:36:58.600 --> 01:36:59.439 know at that point? 1974 01:37:01.600 --> 01:37:05.000 So did the contractor measure it originally and then she 1975 01:37:05.279 --> 01:37:08.239 ordered it or he came in after it was already 1976 01:37:08.920 --> 01:37:10.039 ordered and just said I'll. 1977 01:37:09.920 --> 01:37:10.279 Put it in. 1978 01:37:10.640 --> 01:37:14.359 Yeah, I think yeah, I think they gave the measurements 1979 01:37:14.439 --> 01:37:17.079 for that because it started with a leaky fixture in 1980 01:37:17.119 --> 01:37:19.720 the back that they couldn't get to. So then they thought, well, 1981 01:37:19.720 --> 01:37:21.760 they say, the whole thing out what she agreed to, 1982 01:37:22.520 --> 01:37:25.359 and so they measured what she needed and then she said, 1983 01:37:25.399 --> 01:37:27.279 you know, I can purchase this, and she went and 1984 01:37:27.359 --> 01:37:27.680 got it. 1985 01:37:27.880 --> 01:37:30.760 So they measured it. But then when before they installed it, 1986 01:37:30.880 --> 01:37:32.520 they didn't remeasure. 1987 01:37:32.000 --> 01:37:37.640 It, okay, And then they just got it in and said, 1988 01:37:37.640 --> 01:37:38.760 all right, we did our thing. 1989 01:37:39.119 --> 01:37:41.319 Yeah, so where does it stand now? To Corey, tell 1990 01:37:41.399 --> 01:37:42.760 them exactly where we're at now? 1991 01:37:43.720 --> 01:37:46.239 So and yeah, so it's it's kind of and that's 1992 01:37:46.279 --> 01:37:48.720 one thing. It's I think it's it's been a little resolved. 1993 01:37:48.840 --> 01:37:52.720 But you know, they put it in so the door 1994 01:37:52.760 --> 01:37:55.199 wouldn't fit, and the door to make it fit was 1995 01:37:55.239 --> 01:37:57.399 going to be a special order, and so you know, 1996 01:37:57.479 --> 01:38:00.359 they didn't. She was kind of frustrated with that tructor. 1997 01:38:00.520 --> 01:38:03.039 So the contractor has been good. I mean they have 1998 01:38:03.199 --> 01:38:06.039 been working with her, and obviously they're frustrated. They contacted 1999 01:38:06.079 --> 01:38:08.640 home depot. They're in a tight spot, you know, just 2000 01:38:08.720 --> 01:38:10.640 like everybody. So it's a little bit of a gray area. 2001 01:38:11.199 --> 01:38:15.760 But so ultimately what happened is, you know, uh, they 2002 01:38:15.840 --> 01:38:18.279 did return it. The contractors called her back last night 2003 01:38:19.640 --> 01:38:21.800 and they they did say they're I think they're going 2004 01:38:21.840 --> 01:38:24.800 to work with her on creating on a company that 2005 01:38:24.920 --> 01:38:28.119 they used to customize and cut glass for the door. 2006 01:38:28.720 --> 01:38:30.920 And so she's just kind of making that she's going 2007 01:38:31.000 --> 01:38:33.079 to just go ahead and go with the smaller shower, 2008 01:38:34.159 --> 01:38:35.680 and she's you know, she's satisfied. 2009 01:38:35.840 --> 01:38:37.319 Are they going to charge her anymore? 2010 01:38:37.359 --> 01:38:37.520 Though? 2011 01:38:37.600 --> 01:38:37.680 Oh? 2012 01:38:37.840 --> 01:38:41.119 Said Bow called no, I think I think everything is 2013 01:38:41.199 --> 01:38:43.159 going to kind of wash out, and I think it'll. 2014 01:38:43.119 --> 01:38:47.159 So after Okay, so after after Deputy Bow called over there, 2015 01:38:47.279 --> 01:38:51.960 they decided they were going to work with this, you know, 2016 01:38:52.039 --> 01:38:52.479 I don't know. 2017 01:38:52.479 --> 01:38:54.880 I don't know if it's so much BO calling calling them. 2018 01:38:54.920 --> 01:38:57.199 I mean, they they have been good, they have been working. 2019 01:38:57.279 --> 01:38:58.760 I actually thought it had been a longer time. It 2020 01:38:58.880 --> 01:38:59.720 only been about a week. 2021 01:39:00.359 --> 01:39:02.680 Then why did you just say, Bo? Why did am 2022 01:39:02.720 --> 01:39:05.119 I crazy? Or did you just mention Deputy Bow? 2023 01:39:07.239 --> 01:39:07.439 Yeah? 2024 01:39:07.520 --> 01:39:09.760 So she when she called, she called after hours and 2025 01:39:09.880 --> 01:39:13.479 BO called her back. Oh and so so BO worked 2026 01:39:13.520 --> 01:39:14.920 with her and talked with her a little bit. There, 2027 01:39:15.039 --> 01:39:17.640 I got you, I got you. So I definitely appreciate 2028 01:39:17.720 --> 01:39:18.359 BO calling it. 2029 01:39:18.439 --> 01:39:20.039 Yeah, Okay, Now hold on though, I want to go 2030 01:39:20.159 --> 01:39:22.760 back to Chris real quick. So hold on, though I 2031 01:39:22.880 --> 01:39:25.239 am still curious Chris, now that you've got a picture 2032 01:39:25.319 --> 01:39:30.079 of what happened, ultimately, if this was discount Bath, I 2033 01:39:30.279 --> 01:39:32.159 assume it wouldn't have happened because you guys would have 2034 01:39:32.239 --> 01:39:34.920 measured before you put it in. Or what do you 2035 01:39:35.079 --> 01:39:37.279 think or do you think this is still all on 2036 01:39:37.479 --> 01:39:38.159 home depot? 2037 01:39:40.920 --> 01:39:43.760 You know without having been there. What I feel like 2038 01:39:43.960 --> 01:39:46.079 is if if they measured it and put it in, 2039 01:39:46.760 --> 01:39:49.279 then then it's on them, right if they did ordered 2040 01:39:49.319 --> 01:39:54.039 this thing. The reality is is that I here wouldn't 2041 01:39:54.079 --> 01:39:57.720 have relied on a homeowner to order a shower pan. 2042 01:39:58.359 --> 01:40:01.039 I'd had just given her the discount or to ourselves. 2043 01:40:01.359 --> 01:40:03.079 Yeah, and here's the deal. I'll tell you how I 2044 01:40:03.239 --> 01:40:06.039 look at it. I think it's everybody's problem. I think 2045 01:40:06.079 --> 01:40:10.319 it's Terry's problem, home depots problem, and the contractor's problem. 2046 01:40:10.399 --> 01:40:11.399 Everybody messed up. 2047 01:40:12.840 --> 01:40:15.159 Yeah, I mean that's you know, It's just it was 2048 01:40:15.239 --> 01:40:17.159 one thing after another and then you ended up with this. 2049 01:40:17.920 --> 01:40:20.960 What I'm hearing though, is the solution is a good one. 2050 01:40:21.199 --> 01:40:22.560 Let's just get some custom glass. 2051 01:40:22.600 --> 01:40:24.560 Yeah, but I got another idea for you. Hold on 2052 01:40:24.760 --> 01:40:27.199 and then then Chris, by the way, Chris, I really 2053 01:40:27.279 --> 01:40:29.800 appreciate your time. Anybody out there, If you go to 2054 01:40:29.880 --> 01:40:32.640 discount bath dot com, here's the coolest part. Not only 2055 01:40:32.720 --> 01:40:35.239 do you get a remodel of your bathroom, but you 2056 01:40:35.279 --> 01:40:37.359 can get a quote over the phone. If you go 2057 01:40:37.439 --> 01:40:40.199 to their website, go to the bottom bottom right, and 2058 01:40:40.319 --> 01:40:42.920 you'll see exactly how to do it and maybe, uh, 2059 01:40:43.239 --> 01:40:46.920 surprise your wife, surprise your husband with a new bathroom. 2060 01:40:47.439 --> 01:40:50.520 Discount bath dot com. Everybody, Hold tight, Tom, Mike Dan, 2061 01:40:50.920 --> 01:40:53.920 I want your comment on this. Right after that, then Corey, 2062 01:40:54.039 --> 01:40:55.359 I got another idea for you. 2063 01:41:00.479 --> 01:41:03.720 Go with a sure thing Denver's best roofer Excel Roofing 2064 01:41:03.840 --> 01:41:04.239 dot com. 2065 01:41:04.439 --> 01:41:06.479 You don't pay a cent until you're content. 2066 01:41:09.840 --> 01:41:13.000 Time for an insurance check up free, no obligation comparison 2067 01:41:13.159 --> 01:41:16.720 call Compass Insurance. Pay too much your coverage at dozens 2068 01:41:16.720 --> 01:41:19.479 of insurance companies find out now three oh three seven 2069 01:41:19.560 --> 01:41:22.359 seven to one help. You'll think you're his only customer 2070 01:41:22.399 --> 01:41:24.600 when you choose Frank durand the real estate Man dot 2071 01:41:24.720 --> 01:41:28.000 com to list your home with Remax Alliance three oh 2072 01:41:28.079 --> 01:41:30.119 three nine two zero sixteen twenty two. 2073 01:41:35.479 --> 01:41:38.000 Ripped news. 2074 01:41:39.000 --> 01:41:40.760 You need that so you don't have. 2075 01:41:43.000 --> 01:41:43.279 Come. 2076 01:41:43.439 --> 01:41:44.960 Runs as fast. 2077 01:41:44.720 --> 01:41:45.439 As you can. 2078 01:41:46.720 --> 01:41:49.319 Shooter's gonna help coming man. 2079 01:41:50.199 --> 01:41:56.039 This is the Troubleshooter Show. No Tom Martinez, welcome my 2080 01:41:56.119 --> 01:41:58.199 friends to the only show if it's came. We're here 2081 01:41:58.199 --> 01:42:02.399 to solve problems, answer questions, take complaints. We're here to 2082 01:42:02.479 --> 01:42:04.279 do all of that. We're here to make your life 2083 01:42:04.319 --> 01:42:06.680 a little bit better. You've been ripped off for taking 2084 01:42:06.680 --> 01:42:09.079 advantage of I do want to hear from you. And 2085 01:42:09.199 --> 01:42:11.279 by the way, I want to tell you about eight 2086 01:42:11.359 --> 01:42:14.319 eight eight heating dot Com. I've been talking about them 2087 01:42:14.359 --> 01:42:17.000 all show. They're great guys, and yes I'm saying this 2088 01:42:17.039 --> 01:42:19.960 because someone emailed me forty five bucks new customer only. 2089 01:42:19.960 --> 01:42:22.119 They're gonna come out clean that furnace, tear it apart, 2090 01:42:22.439 --> 01:42:24.920 get rid of all the dirt, and just get ready 2091 01:42:25.039 --> 01:42:26.920 for winter next year. And they're also going to put 2092 01:42:26.960 --> 01:42:30.079 a NOE breakdown guarantee on it. The reason they do 2093 01:42:30.199 --> 01:42:32.720 it for forty five bucks as simple as this. If 2094 01:42:32.760 --> 01:42:34.800 you have a problem in the future, you're gonna call them. 2095 01:42:35.039 --> 01:42:39.039 You're gonna love this deal. And if your air conditioner breaks, 2096 01:42:39.159 --> 01:42:41.920 or your furnace breaks, or your water heater breaks in 2097 01:42:42.000 --> 01:42:44.199 the future, you're going to know who to call. Garrett 2098 01:42:44.199 --> 01:42:46.319 in the Gang, We've been talking about them forever. They're 2099 01:42:46.359 --> 01:42:49.159 the same people that always, and I mean this, they 2100 01:42:49.319 --> 01:42:51.479 always give you the option to repair. They don't just 2101 01:42:51.560 --> 01:42:53.960 try to force you into a new thing, and they 2102 01:42:54.039 --> 01:42:57.840 have high efficiency. They have everything you can imagine. You're 2103 01:42:57.880 --> 01:43:02.920 just gonna love these guys. Eight eight eight Heating dot Com. Now, Hey, yeah, yeah, yeah, yeah, 2104 01:43:03.039 --> 01:43:06.039 we've got a lot of cooking. Suzanne's helping me here. 2105 01:43:06.640 --> 01:43:09.800 Line two is Dan Oh, Dan's got a comment on 2106 01:43:09.920 --> 01:43:13.279 the shower. I'm gonna finish up with Corey. Corey, hold on, 2107 01:43:13.399 --> 01:43:15.720 let me lock you in real quick, and then Dan's 2108 01:43:15.760 --> 01:43:21.199 got a comment. Basically, if you're listening last hour, how 2109 01:43:21.239 --> 01:43:23.720 do you put this? I don't even want to recap it, 2110 01:43:23.840 --> 01:43:26.880 but the bottom line is the caller ordered something from 2111 01:43:26.960 --> 01:43:29.600 home Depot for a shower, the contractor put it in. 2112 01:43:29.960 --> 01:43:33.000 It turned out to be the wrong size. But Dan 2113 01:43:33.359 --> 01:43:36.800 is a contractor and has a comment. Not only do 2114 01:43:36.960 --> 01:43:39.960 I want to comment, Dan, but I'd like to know 2115 01:43:40.079 --> 01:43:42.279 what you ultimately think. Who should take care of it? 2116 01:43:42.399 --> 01:43:42.800 Go ahead? 2117 01:43:44.560 --> 01:43:48.520 Yeah, Mark all on, great show, by the way, it's 2118 01:43:48.600 --> 01:43:53.199 great informative information. But yeah, Chris, I really agree with 2119 01:43:53.359 --> 01:43:56.439 everything Chris was saying. My biggest question, like Chris had 2120 01:43:56.560 --> 01:43:59.880 from discount, was all in the world that they got 2121 01:44:00.119 --> 01:44:03.520 thirty eight inch pan from Home Depot. I mean, the 2122 01:44:03.640 --> 01:44:06.960 pan size is the standard pans are twenty four, thirty six, 2123 01:44:07.079 --> 01:44:09.880 forty eight and sixty in. So I'm not sure how 2124 01:44:10.079 --> 01:44:13.000 this customer was able to order a thirty eight inch pound. 2125 01:44:13.079 --> 01:44:15.520 Hey, Corey, do you have any idea? Or maybe when 2126 01:44:15.640 --> 01:44:18.640 your mother in law was on, she gave the wrong 2127 01:44:18.880 --> 01:44:21.960 In other words, maybe it was a twenty four. Now 2128 01:44:22.039 --> 01:44:24.920 that would be way too noticeable though thirty six. 2129 01:44:25.199 --> 01:44:27.479 Yeah, it's only yeah, it's only two inches. Yeah, it's 2130 01:44:27.520 --> 01:44:30.039 only two inches, And so the contractor gave her the 2131 01:44:30.079 --> 01:44:33.479 information of what she needed to go order and shordered SOW. 2132 01:44:33.800 --> 01:44:36.039 I don't know if it was a so how home 2133 01:44:36.119 --> 01:44:38.319 Depot food bar the order, who knows. 2134 01:44:41.000 --> 01:44:43.800 But it is not diamond. It is a diamond shape. 2135 01:44:43.800 --> 01:44:45.880 I don't know if that changes instead of a square. 2136 01:44:46.000 --> 01:44:48.399 Right now, I'm looking at the diamond shape. There's thirty 2137 01:44:48.439 --> 01:44:51.760 eight so that I see on Home Depot unless unless 2138 01:44:51.760 --> 01:44:54.359 I'm looking at something wrong Mark, but they're showing them 2139 01:44:54.439 --> 01:44:58.600 Dan at least SU's Ann's looking at one on their website. Okay, 2140 01:45:00.119 --> 01:45:02.760 maybe Chris said, Chris said the same thing. 2141 01:45:03.920 --> 01:45:07.439 We're talking in store versus special order through home Deeople. 2142 01:45:07.960 --> 01:45:10.560 But the bottom line too is and I don't know 2143 01:45:10.600 --> 01:45:13.760 if Chris mentioned this, but what I always do as 2144 01:45:13.800 --> 01:45:17.479 a contractor, I always tell my customers, and Home Deeople 2145 01:45:17.520 --> 01:45:19.920 should have advised. That's why I'm with Chris on this. 2146 01:45:20.479 --> 01:45:22.479 Home Deeople needs to take a lot of the blame 2147 01:45:22.560 --> 01:45:27.199 on this because when you install shower walls, nothing ever 2148 01:45:27.520 --> 01:45:30.439 is straight and plumb. When by the time you get 2149 01:45:30.479 --> 01:45:35.239 the underlayment up, the backer you know, the backer board, 2150 01:45:35.680 --> 01:45:39.560 the tile. Home people should have advised this customer, do 2151 01:45:39.760 --> 01:45:43.640 not order the shower door until the walls are up, 2152 01:45:43.800 --> 01:45:45.680 meaning the tile is up. 2153 01:45:46.000 --> 01:45:50.399 You mean just the door, well, just the door. 2154 01:45:50.840 --> 01:45:54.399 But but what I'm saying, Mark, is the the alignment 2155 01:45:54.720 --> 01:45:57.520 the plum from one side to the other can be anywhere. 2156 01:45:57.920 --> 01:46:01.359 When you get done from tara to finish with the tile, 2157 01:46:01.800 --> 01:46:04.079 you can be looking at anywhere from one to two 2158 01:46:04.159 --> 01:46:06.600 inch difference by the time you go from the floor 2159 01:46:06.720 --> 01:46:10.439 to the ceiling. That's why it's critical that customers do 2160 01:46:10.600 --> 01:46:12.359 not order the shower door. 2161 01:46:13.800 --> 01:46:13.960 Dan. 2162 01:46:14.039 --> 01:46:15.840 Don't you think a lot of that would be on 2163 01:46:15.920 --> 01:46:20.079 the contractor because the contractor measured, told her what to order, 2164 01:46:20.479 --> 01:46:22.439 then she ordered it through home depot. 2165 01:46:23.399 --> 01:46:27.439 Now maybe yes, you are totally correct, Mark, the contractor 2166 01:46:27.479 --> 01:46:30.680 should should have advised the customer to everybody. 2167 01:46:30.960 --> 01:46:32.600 Everybody plays a part in this one. 2168 01:46:33.039 --> 01:46:36.520 Everybody plays a part. But yeah, that's the critical information 2169 01:46:36.720 --> 01:46:40.079 though that your customers and your your listeners need to 2170 01:46:40.880 --> 01:46:45.560 need to remember that if you're if you're installing semi 2171 01:46:45.680 --> 01:46:50.960 frameless or are framed showering closures, there's like a three 2172 01:46:51.119 --> 01:46:54.119 inch different So if you say, if you got a 2173 01:46:54.199 --> 01:46:57.359 forty eight inch, I got it, goose down to forty 2174 01:46:57.439 --> 01:46:59.439 six and a half. They'll go like forty six to 2175 01:46:59.560 --> 01:47:03.279 forty nine nine inches, fifty to fifty three inches, So 2176 01:47:03.479 --> 01:47:05.000 it's just really good information. 2177 01:47:05.239 --> 01:47:08.760 Yeah, they did, in fact, thinking about that when our 2178 01:47:08.880 --> 01:47:13.720 shower was just redone, they did everything except for the 2179 01:47:13.840 --> 01:47:16.840 glass and the doors glass as well. Was the very end, 2180 01:47:17.000 --> 01:47:19.880 and I think it was Ken Carroll Glass came out 2181 01:47:20.359 --> 01:47:24.760 and measured it exactly, had a fit and that was 2182 01:47:24.880 --> 01:47:26.880 that was the very last part. Hey, Dan, I really 2183 01:47:26.960 --> 01:47:29.720 appreciate your call. Now, Corey, I do want to do 2184 01:47:29.880 --> 01:47:34.640 something for you. I would like for Susan to email 2185 01:47:34.840 --> 01:47:38.600 our angel at home Depot and see if we can't 2186 01:47:38.680 --> 01:47:42.640 get you at least a full credit or your your 2187 01:47:43.479 --> 01:47:46.560 your mom a full credit on that pan. It looks 2188 01:47:46.640 --> 01:47:49.960 like it's about three hundred bucks and that might help 2189 01:47:50.039 --> 01:47:51.920 things a little. Would that be cool with you? 2190 01:47:53.560 --> 01:47:55.800 Yeah, no, that would be I think that would really 2191 01:47:55.840 --> 01:47:58.359 help her too, because, like I said, the contractor, yeah. 2192 01:47:58.239 --> 01:47:58.640 I got you. 2193 01:48:00.000 --> 01:48:01.520 I don't need to beat a dead horse on this, 2194 01:48:01.680 --> 01:48:07.359 but I think home Depot, most home Depot should refund 2195 01:48:07.439 --> 01:48:10.199 the cost of that without getting the product back, because 2196 01:48:10.239 --> 01:48:12.600 I know they're using it. It created a lot of 2197 01:48:12.680 --> 01:48:15.600 headaches for everybody, and they acknowledge it. So can you 2198 01:48:15.760 --> 01:48:19.159 get a copy of the receipt and get that sent over? 2199 01:48:19.479 --> 01:48:23.600 And hold on, We're going to tell you exactly. Kelly's 2200 01:48:23.640 --> 01:48:26.600 going to tell you exactly where to send that, all right, 2201 01:48:26.720 --> 01:48:29.520 So hold on a second. And what we need is 2202 01:48:29.560 --> 01:48:32.199 a copy of the receipt for our angel at home depot. 2203 01:48:32.560 --> 01:48:34.239 And I bet you maybe if they don't give you 2204 01:48:34.279 --> 01:48:36.560 three hundred bucks, they'll give you three hundred dollars credit. 2205 01:48:37.000 --> 01:48:39.760 But we're going to find out what it is. Hey, Mike, 2206 01:48:39.880 --> 01:48:45.319 what's going on with you? Mike? Yes, go ahead, sir. 2207 01:48:45.399 --> 01:48:46.079 What's your question? 2208 01:48:48.079 --> 01:48:51.000 Buying a house with my daughter? 2209 01:48:51.920 --> 01:48:54.359 There's a way to put it into a trust where 2210 01:48:54.399 --> 01:48:58.520 when I die, the whole ownership goes to her. Yeah, 2211 01:48:58.640 --> 01:49:04.800 and there's no text, infiments, Yeah, consequences. But I don't 2212 01:49:04.840 --> 01:49:05.960 know what the name of that trust. 2213 01:49:06.039 --> 01:49:08.159 You Well, I think there's more than one way to 2214 01:49:08.399 --> 01:49:11.720 do what you're talking about. I'm not exactly sure what 2215 01:49:11.840 --> 01:49:15.079 the name of that trust would be, but I'm not sure. 2216 01:49:15.319 --> 01:49:17.640 I mean, John, I'll bring you in on this, you guys. 2217 01:49:19.119 --> 01:49:21.840 I mean, I just had this conversation with you. You 2218 01:49:22.119 --> 01:49:24.960 did our loan years ago, the all in one and 2219 01:49:25.159 --> 01:49:27.479 we're moving our house into a trust. And I called 2220 01:49:27.520 --> 01:49:29.199 you up and said, is there anything we have to do? 2221 01:49:29.720 --> 01:49:32.119 And you said, no, not really. I mean you guys, 2222 01:49:32.199 --> 01:49:34.319 CMG's good with people doing that. 2223 01:49:34.479 --> 01:49:36.640 Yeah, we lend and trust all the time, you know, 2224 01:49:37.119 --> 01:49:39.640 all sees or something. But you know, trust is pretty typical. 2225 01:49:40.039 --> 01:49:42.079 I think you have to do is it has to 2226 01:49:42.119 --> 01:49:44.960 be a revocable trust. It can't be an irrevocable trust. 2227 01:49:45.479 --> 01:49:47.760 And that's that's I think what you're asking. 2228 01:49:48.520 --> 01:49:52.079 Yeah, I actually, let's get on, hold on, let me 2229 01:49:52.159 --> 01:49:54.319 get one of our experts on. But I don't even 2230 01:49:54.479 --> 01:49:58.199 understand why you would do it that way. I don't 2231 01:49:58.319 --> 01:50:01.680 know why it's this would be for I don't know why, 2232 01:50:01.800 --> 01:50:05.600 for example, you wouldn't buy it, as I always get 2233 01:50:05.680 --> 01:50:09.439 these reverses kills me. Just just buy it, like tenants 2234 01:50:09.520 --> 01:50:11.880 in common? Are you both going to live there? 2235 01:50:13.039 --> 01:50:13.079 No? 2236 01:50:13.760 --> 01:50:14.920 Oh who's going to live there? 2237 01:50:15.159 --> 01:50:15.199 You? 2238 01:50:15.880 --> 01:50:17.199 She will live there? 2239 01:50:17.479 --> 01:50:17.640 Oh? 2240 01:50:18.920 --> 01:50:22.479 Then I guess I don't understand. But you said when 2241 01:50:22.640 --> 01:50:25.840 you die, she gets it. Why doesn't she just buy it? 2242 01:50:25.960 --> 01:50:29.720 You got to help her purchase it? Yes, okay, that 2243 01:50:29.880 --> 01:50:32.239 makes sense. Hold on, let's get our let's get our 2244 01:50:32.319 --> 01:50:34.840 trust expert on hold on Mike, I like that question. 2245 01:50:35.359 --> 01:50:38.239 Three oh three seven one three eight two five five. 2246 01:50:43.119 --> 01:50:46.399 Go with a sure thing Denver's Best roofer Excel Roofing 2247 01:50:46.479 --> 01:50:49.119 dot com. You don't pay a cent until you're content. 2248 01:50:52.520 --> 01:50:55.640 Time for an insurance check up free, no obligation. In comparison, 2249 01:50:55.840 --> 01:50:59.359 call Compass Insurance paying too much your coverage at dozens 2250 01:50:59.399 --> 01:51:01.720 of insurance companies to find out now three oh three 2251 01:51:01.880 --> 01:51:04.000 seven to seven to one. Help You'll think you're his 2252 01:51:04.199 --> 01:51:06.760 only customer when you choose Frank durand the real estate 2253 01:51:06.880 --> 01:51:10.079 Man dot com to list your home with Remax Alliance. 2254 01:51:10.359 --> 01:51:12.640 Three oh three nine two zero sixteen twenty two. 2255 01:51:13.640 --> 01:51:15.960 All right, three oh three seven one three eight two 2256 01:51:16.119 --> 01:51:20.199 five five one line open, Dan McKenzie are expert Will's 2257 01:51:20.279 --> 01:51:23.600 trust in anything along those lines. First of all, thanks 2258 01:51:23.680 --> 01:51:27.439 for coming on, Dan. Quick question. I'm sure it's very simple. 2259 01:51:28.039 --> 01:51:30.760 But you know, Mike called up. He's going to help 2260 01:51:30.800 --> 01:51:33.720 his daughter buy a house when he passes. He wants 2261 01:51:33.800 --> 01:51:36.920 her to own the entire thing. So should they put 2262 01:51:36.960 --> 01:51:39.960 it in a trust? And if so, what kind of 2263 01:51:40.000 --> 01:51:42.840 a trust? I assume it would just be a revocable trust. 2264 01:51:43.279 --> 01:51:45.560 But what say you, Dan, or any advice you have 2265 01:51:45.720 --> 01:51:47.520 on it, and I'll bring Mike up if you have 2266 01:51:47.600 --> 01:51:48.720 any questions for him. 2267 01:51:50.039 --> 01:51:52.880 Yeah, I guess the question really is, like, it sounds 2268 01:51:52.920 --> 01:51:54.319 like this is going to be a gift, and so 2269 01:51:54.479 --> 01:51:56.920 you have some gifts concerns to be thinking about as 2270 01:51:56.960 --> 01:51:59.760 far as whether a gift text return. 2271 01:51:59.560 --> 01:52:00.520 Will need to be filed. 2272 01:52:01.079 --> 01:52:02.600 If he's just going to give her the money to 2273 01:52:02.640 --> 01:52:04.439 buy this house or buy the house and give the 2274 01:52:04.479 --> 01:52:07.079 house to her, then that is a gift and it 2275 01:52:07.199 --> 01:52:09.800 probably is going to exceed what you're allowed to give 2276 01:52:09.840 --> 01:52:15.479 without founding text return, and so that's one consideration. Another 2277 01:52:15.560 --> 01:52:17.399 way to set this up that seemed to be pretty 2278 01:52:17.439 --> 01:52:21.319 popular with our clients is we characterize that the money 2279 01:52:21.439 --> 01:52:23.439 as a loan instead of a gift, and we know 2280 01:52:23.600 --> 01:52:25.199 that they really mean for it to be a gift, 2281 01:52:25.319 --> 01:52:28.560 but we just set it up so that there is 2282 01:52:28.760 --> 01:52:32.119 a interest payment every year, and then the person you 2283 01:52:32.239 --> 01:52:34.479 meant to give the gift just offsets that interest payment. 2284 01:52:34.600 --> 01:52:38.720 So, oh interesting. So Mike, you have any questions on 2285 01:52:38.880 --> 01:52:39.800 what Dan is saying. 2286 01:52:41.079 --> 01:52:45.399 Well, on the on the gift tax portion, if I 2287 01:52:45.399 --> 01:52:48.439 am part owner of the house, there wouldn't be a 2288 01:52:48.560 --> 01:52:49.720 gift tax correct. 2289 01:52:51.199 --> 01:52:52.840 Well, I don't know about that. I mean, how are 2290 01:52:52.920 --> 01:52:56.359 you if you're putting her on the house, Like, are 2291 01:52:56.399 --> 01:52:58.039 you going to buy the house first and an add 2292 01:52:58.039 --> 01:52:58.960 her to it or is that. 2293 01:52:59.319 --> 01:53:00.640 Or are you going to buy it together? 2294 01:53:01.640 --> 01:53:02.359 Buy it together? 2295 01:53:03.359 --> 01:53:03.640 Okay? 2296 01:53:03.680 --> 01:53:06.359 And she contributed money to that or just you correct 2297 01:53:07.720 --> 01:53:08.039 she is? 2298 01:53:09.399 --> 01:53:11.880 So it's almost like it like a married couple, right, 2299 01:53:12.039 --> 01:53:13.239 I mean, honestly. 2300 01:53:14.279 --> 01:53:17.239 Yeah, And the only question is, you know, I don't 2301 01:53:17.279 --> 01:53:19.319 know what your family situation is, Mike, but if you've 2302 01:53:19.359 --> 01:53:23.199 got other children who would expect to get a similar 2303 01:53:23.319 --> 01:53:25.760 gift or you know, be upset if they didn't get 2304 01:53:25.840 --> 01:53:27.640 something like that, you just got to think through, like, 2305 01:53:28.319 --> 01:53:31.159 you know, how is that going to be offset from 2306 01:53:31.199 --> 01:53:34.800 your estate plan if you have one? And yeah, I 2307 01:53:34.880 --> 01:53:37.800 mean people, you know, I always tell people if you're 2308 01:53:37.800 --> 01:53:39.680 going to buy real estate with someone you're not married to, 2309 01:53:39.760 --> 01:53:42.159 you's got to be aware you do not have a 2310 01:53:42.279 --> 01:53:44.600 divorce process available to you to help you sort that 2311 01:53:44.720 --> 01:53:48.199 out if something goes differently than you expected and somebody wants. 2312 01:53:48.000 --> 01:53:48.359 To get out. 2313 01:53:48.479 --> 01:53:50.880 But Dan, here, here's really my question on this, and 2314 01:53:50.920 --> 01:53:53.600 I'll let Mike ask any follow up, But does he 2315 01:53:53.760 --> 01:53:56.479 actually just for the tax aspect if they're both going 2316 01:53:56.560 --> 01:53:58.840 to own it? And buy it, and let's say it's 2317 01:53:58.960 --> 01:54:02.439 joint tendancy. I mean, would it even matter on the 2318 01:54:02.600 --> 01:54:06.119 tax reasons? When Mike dies, she would just get the 2319 01:54:06.359 --> 01:54:08.800 entire house at the original basis, right. 2320 01:54:09.720 --> 01:54:12.159 No, at the new basis the data death value basis. 2321 01:54:12.000 --> 01:54:14.319 The date of his death, even though they both own it. 2322 01:54:14.439 --> 01:54:17.000 So wait a minute, So Suzanne and I right now, 2323 01:54:17.039 --> 01:54:19.880 if we own a house together and I die, she 2324 01:54:20.079 --> 01:54:24.239 simply owns the householy herself, and her basis would be 2325 01:54:24.279 --> 01:54:25.439 the original basis. 2326 01:54:25.560 --> 01:54:31.239 Right, So it's confusing that it's potentially half of the basis. 2327 01:54:32.039 --> 01:54:34.640 Half the value steps up to the data death basis, 2328 01:54:35.800 --> 01:54:38.479 and then when she dies, maybe that second half steps up, 2329 01:54:38.560 --> 01:54:40.439 so there can still be some capital game text. 2330 01:54:40.520 --> 01:54:44.119 Okay, okay, So what kind of a trust would Dan need? 2331 01:54:44.319 --> 01:54:46.840 Just from what you're saying, I mean, when we say 2332 01:54:46.920 --> 01:54:49.279 what kind of a trust, really, that's not even the 2333 01:54:49.359 --> 01:54:51.600 proper word. It just needs to be worded for what 2334 01:54:51.760 --> 01:54:55.279 he wants the trust itself. It's not a particular kind 2335 01:54:55.359 --> 01:54:55.920 of trust. 2336 01:54:57.199 --> 01:54:59.760 Yeah, I mean, I guess the questions would like, what 2337 01:55:00.039 --> 01:55:01.720 the intent this is going to be her house? It 2338 01:55:01.800 --> 01:55:07.760 sounds like she's going to live there and he's not right, correct, Okay, Yeah, 2339 01:55:07.960 --> 01:55:11.159 So I mean, you know, I don't know, I don't 2340 01:55:11.199 --> 01:55:13.319 I don't know if you need a trust necessarily to 2341 01:55:13.399 --> 01:55:15.119 give that house to her. I mean, she might want 2342 01:55:15.159 --> 01:55:17.520 to put it in a trust depending on her family situation, 2343 01:55:17.760 --> 01:55:21.800 but you know, creating a trust potentially and putting it 2344 01:55:21.880 --> 01:55:25.000 in there like if you were to buy it. But 2345 01:55:25.079 --> 01:55:26.680 it sounds like she's going to contribute to it. So 2346 01:55:26.720 --> 01:55:28.239 I just don't know if a trusts to play into 2347 01:55:28.279 --> 01:55:28.680 this or not. 2348 01:55:29.840 --> 01:55:31.920 Yeah, that's kind of where That's kind of where I 2349 01:55:32.000 --> 01:55:34.880 keep going back to. I don't know why he if 2350 01:55:35.039 --> 01:55:37.600 this is all we're talking about is his house. She's 2351 01:55:37.680 --> 01:55:40.399 going to live there, she's going to be on the deed, 2352 01:55:40.960 --> 01:55:42.800 and he's going to He's going to be on the 2353 01:55:42.880 --> 01:55:45.359 deed as well, just to basically help her with the loan. 2354 01:55:45.720 --> 01:55:48.000 But he's not even going to live there. I mean, 2355 01:55:48.119 --> 01:55:50.960 when he dies, it just all becomes hers, right. 2356 01:55:52.199 --> 01:55:53.800 Yeah, I mean you need to be aware it could 2357 01:55:53.840 --> 01:55:55.840 go the other way. I mean, tragically could go the 2358 01:55:55.880 --> 01:55:57.840 other way and she passes away and you're alive. This 2359 01:55:58.079 --> 01:55:59.520 is the intent that to go back to you at 2360 01:55:59.560 --> 01:55:59.920 that point. 2361 01:56:00.000 --> 01:56:01.720 Sure, does she have a significant. 2362 01:56:01.279 --> 01:56:01.720 Other or what? 2363 01:56:02.199 --> 01:56:03.600 Oh, that's a curious part of it. 2364 01:56:05.359 --> 01:56:08.039 Yeah, I would put her and her husband both on 2365 01:56:08.159 --> 01:56:10.720 the if I was going to do a tenancy in 2366 01:56:10.840 --> 01:56:14.399 common Yeah, okay. 2367 01:56:14.960 --> 01:56:17.319 So yeah, Tennessee in common is not joint and it 2368 01:56:17.399 --> 01:56:20.359 does not go to the survivor. Right, So if if 2369 01:56:20.399 --> 01:56:23.520 it's tenancy in common and somebody passes away, their share 2370 01:56:23.640 --> 01:56:25.520 goes to their descendant. 2371 01:56:25.600 --> 01:56:28.680 Yeah, your daughters. So basically he meant, that's my bad 2372 01:56:28.760 --> 01:56:34.039 because I get him confused. He meant joint tenancy. Okay, okay, 2373 01:56:34.600 --> 01:56:36.920 so but but Dan, I really do want to somewhat 2374 01:56:37.000 --> 01:56:41.199 clarify this. If it was joint tendancy, and let's just 2375 01:56:41.279 --> 01:56:43.880 say it went the way he's thinking, he passes first 2376 01:56:44.560 --> 01:56:47.239 and she owns the house, but she's always been on 2377 01:56:47.359 --> 01:56:50.319 the deed. I mean, her basis would still be from 2378 01:56:50.399 --> 01:56:55.079 day one when they purchased it, right, Yeah, there wouldn't 2379 01:56:55.119 --> 01:56:58.159 be a step up in that in that instance. Now, 2380 01:56:58.199 --> 01:57:01.840 if it was joint tenants or tenants in common, there 2381 01:57:01.880 --> 01:57:04.000 would be for that share of it, right. 2382 01:57:07.359 --> 01:57:09.600 I think either way there's a there's a step up 2383 01:57:09.600 --> 01:57:10.640 in the basis. 2384 01:57:10.319 --> 01:57:14.479 For his part of this, for his part either way, yeah, okay, 2385 01:57:14.600 --> 01:57:16.880 where if it's in the trust, there wouldn't be a 2386 01:57:16.960 --> 01:57:17.439 step up. 2387 01:57:19.399 --> 01:57:19.520 Uh. 2388 01:57:20.880 --> 01:57:23.920 I mean these are pretty complex. I always tell you, like, look, 2389 01:57:23.960 --> 01:57:27.520 I'm not the tax expert here actually, but yeah, yeah, 2390 01:57:27.640 --> 01:57:29.319 I don't know if the trust plan, if it's just 2391 01:57:29.399 --> 01:57:31.880 a revocal trust, if it's really gonna you know, get 2392 01:57:32.000 --> 01:57:35.840 rid of or enhance the capital games tax basis she 2393 01:57:36.000 --> 01:57:38.600 gets you know, she's married and it's her primary residence. 2394 01:57:38.680 --> 01:57:41.720 She gets five thousand dollars a game before she hits 2395 01:57:41.760 --> 01:57:43.399 to pay any capital games. 2396 01:57:43.199 --> 01:57:44.439 Tax when she sells the place. 2397 01:57:44.560 --> 01:57:47.319 So there's quite a few different moving variables on that 2398 01:57:47.439 --> 01:57:47.760 part of it. 2399 01:57:48.159 --> 01:57:51.640 Yeah, that's interesting. Where would he take a deeper dive 2400 01:57:51.720 --> 01:57:53.960 into this? I mean, should he call you just offline 2401 01:57:54.000 --> 01:57:55.439 and kind of explain everything or. 2402 01:57:55.439 --> 01:57:56.720 What he could? 2403 01:57:56.800 --> 01:57:58.760 I mean you probably you know, Mike, if you have 2404 01:57:58.800 --> 01:58:00.640 a CPA, I mean, it's I'd be kind of a 2405 01:58:00.720 --> 01:58:02.920 joint effort by both the CPA and the lawyer. 2406 01:58:03.039 --> 01:58:06.439 Just yeah, you know what, Dan mackenzie, I really appreciate 2407 01:58:06.520 --> 01:58:08.479 your time and for anybody out there, whether it's a 2408 01:58:08.600 --> 01:58:13.239 simple will, a complex trust, acid protection, this guy, this 2409 01:58:13.399 --> 01:58:16.640 guy really does do it all. So uh CO plans 2410 01:58:16.720 --> 01:58:20.560 dot co co plans dot co or eight three three 2411 01:58:21.039 --> 01:58:24.239 co plans. But but Mike, I want to I want 2412 01:58:24.279 --> 01:58:27.039 to do something for you real quick. Hey, Kelly, see 2413 01:58:27.079 --> 01:58:29.680 if we can get Eric reinimeir back on. I want 2414 01:58:29.720 --> 01:58:32.600 to ask an account of that, because I'm not so sure, Mike. 2415 01:58:32.840 --> 01:58:35.680 Hold on, I'm still not sure you need even a 2416 01:58:35.800 --> 01:58:39.840 trust just for what we're talking about. But Dan's absolutely right, 2417 01:58:39.920 --> 01:58:42.439 these are accounting questions. I'm going to call up our 2418 01:58:42.479 --> 01:58:43.319 account and hold tight. 2419 01:58:43.479 --> 01:58:52.800 Everybody go with a sure thing Denver's Best Roofer Excel 2420 01:58:52.920 --> 01:58:55.960 Roofing dot com. You don't pay a cent until you're content. 2421 01:58:59.359 --> 01:59:02.520 Time for an durance check up free, no obligation. In comparison, 2422 01:59:02.680 --> 01:59:06.199 call Compass Insurance paying too much your coverage at dozens 2423 01:59:06.239 --> 01:59:08.960 of insurance companies find out now three all three seven 2424 01:59:09.000 --> 01:59:11.319 to seven to one help. You'll think you're his only 2425 01:59:11.439 --> 01:59:13.840 customer when you choose Frank durand the real estate Man 2426 01:59:13.960 --> 01:59:17.319 dot com to list your home with Remax Alliance three 2427 01:59:17.399 --> 01:59:19.479 oh three nine two zero sixteen twenty two. 2428 01:59:20.279 --> 01:59:23.279 All right, don't forget three three. Martino works on and 2429 01:59:23.399 --> 01:59:25.840 off the air. Hey, Mike, I'm going to go to you. 2430 01:59:25.880 --> 01:59:28.119 As soon as we got air a cup. I'll go 2431 01:59:28.279 --> 01:59:30.239 back to you on that question. On the trust and 2432 01:59:30.319 --> 01:59:33.359 buying a house with your daughter. And then Frank Duran, 2433 01:59:33.399 --> 01:59:35.640 I wanted to ask some average days on the market 2434 01:59:35.680 --> 01:59:37.439 in Denver. Now how long? Okay? 2435 01:59:37.520 --> 01:59:40.520 So the latest dMar report mark is fifty five days 2436 01:59:40.760 --> 01:59:42.000 is average days on market? 2437 01:59:42.039 --> 01:59:44.439 And give me an idea what the what the shortest 2438 01:59:44.520 --> 01:59:46.359 term was in the last save five years? 2439 01:59:47.159 --> 01:59:51.399 Oh short, Oh my gosh, they're like eleven days, eleven days, 2440 01:59:51.520 --> 01:59:52.079 five days. 2441 01:59:52.399 --> 01:59:52.640 Oh my. 2442 01:59:52.840 --> 01:59:54.760 There was a time mark when we had like eleven 2443 01:59:54.800 --> 01:59:57.119 days of inventory, so homes were flying off in twenty 2444 01:59:57.159 --> 01:59:57.960 four to forty eight hours. 2445 01:59:58.039 --> 02:00:00.600 So it's like a buyer's market now, you know what, for. 2446 02:00:00.680 --> 02:00:03.239 The single family homes were still technically a seller's market. 2447 02:00:03.279 --> 02:00:05.359 We're under three months of inventory. But for the attached 2448 02:00:05.439 --> 02:00:08.039 market that shifted more into more of a balance market. 2449 02:00:08.279 --> 02:00:10.319 We're sitting just under five months of inventory. 2450 02:00:10.039 --> 02:00:12.399 And attached being what like a condo like condos and 2451 02:00:12.439 --> 02:00:14.640 town homes. So and we were just talking about that 2452 02:00:14.800 --> 02:00:17.359 on the break and Stephanie you said you're dealing with 2453 02:00:17.520 --> 02:00:20.359 one now, the condo as an hoa lawsuit? 2454 02:00:20.680 --> 02:00:20.880 Yeah? 2455 02:00:21.199 --> 02:00:23.079 Is it over insurance like a roof for what? 2456 02:00:23.520 --> 02:00:26.079 No, No, it was builder defects. So great news for 2457 02:00:26.399 --> 02:00:29.720 my personal listing is that's actually in the process of settling. Okay, 2458 02:00:29.720 --> 02:00:32.000 But what we were talking about was days on market 2459 02:00:32.079 --> 02:00:34.279 and how that can increase your days on market. 2460 02:00:34.039 --> 02:00:36.399 Because of a lawsuit. Absolutely, and then when it comes 2461 02:00:36.439 --> 02:00:39.439 to actually financing, John, I mean when a bank or 2462 02:00:39.479 --> 02:00:41.640 a lender looks at it in general and there's any 2463 02:00:41.720 --> 02:00:45.960 kind of pending or lawsuit pending, I mean, that makes 2464 02:00:46.000 --> 02:00:47.960 it really hard because you have no idea what the outcome. 2465 02:00:48.119 --> 02:00:51.520 Is really hard because you usually won't get you insure 2466 02:00:51.600 --> 02:00:54.119 title around it, I mean no title companies. Well, so yeah, 2467 02:00:54.119 --> 02:00:55.039 it's hard to get lending. 2468 02:00:55.239 --> 02:00:57.760 And honestly, Frank, a buyer would be crazy if there's 2469 02:00:57.800 --> 02:01:00.760 a lawsuit pending, such as on a condo, because they 2470 02:01:00.880 --> 02:01:04.239 might walk into a special assessment of one hundred trillion 2471 02:01:04.359 --> 02:01:07.079 zillion dollars I mean, you know, some crazy amount. 2472 02:01:07.319 --> 02:01:07.760 That's true. 2473 02:01:07.800 --> 02:01:08.000 Mark. 2474 02:01:08.039 --> 02:01:10.439 We cast our bars be very careful and watch those 2475 02:01:10.520 --> 02:01:13.319 beatings minutes because sometimes the sellers don't even know themselves 2476 02:01:13.800 --> 02:01:16.000 and it's very important there's rumblings that there might be 2477 02:01:16.079 --> 02:01:16.960 a lawsuit coming up. 2478 02:01:16.960 --> 02:01:18.319 We got to be very careful. That's why you got 2479 02:01:18.399 --> 02:01:20.239 to have a good realtor. That's why we have people 2480 02:01:20.319 --> 02:01:24.079 like Stephanie Thomas and Frank Duran, and lenders like John Clace. 2481 02:01:24.119 --> 02:01:26.520 And we've got a reverse mortgage question. Frank, you'll be 2482 02:01:26.680 --> 02:01:29.560 right after this. But Tom's been holding the longest. Tom, 2483 02:01:29.800 --> 02:01:32.000 what is your question on gifting money? Real quick? 2484 02:01:32.359 --> 02:01:35.319 Hey, Mark, I'll make it quick. My sister in law 2485 02:01:35.520 --> 02:01:39.159 was in a horrific accident back in Michigan about three 2486 02:01:39.239 --> 02:01:42.439 years ago. Long story, fast forward short. She's getting a 2487 02:01:42.479 --> 02:01:47.840 massive settlement. I don't know how much, but she considers 2488 02:01:47.880 --> 02:01:52.279 me family and she wants to share something nice. Well 2489 02:01:52.520 --> 02:01:54.640 it is I kind of don't want her to do that. 2490 02:01:54.760 --> 02:01:58.560 I mean, her accident, her pain per a year in ICU, 2491 02:01:58.840 --> 02:02:01.600 and one million dollars of hospital bills. 2492 02:02:01.960 --> 02:02:04.680 Oh wow, I hope she is. She okay now. 2493 02:02:04.600 --> 02:02:06.359 Though, Oh my god, she's as good as you and 2494 02:02:06.439 --> 02:02:09.520 I are. Oh good, good, good practicely, but she wants 2495 02:02:09.560 --> 02:02:11.720 to give me something. I don't know what that something is. 2496 02:02:11.960 --> 02:02:15.199 Thousand bucks, one hundred thousand bucks, I don't know. Yeah, 2497 02:02:15.960 --> 02:02:18.119 but if all of a sudden I get a check 2498 02:02:18.199 --> 02:02:20.399 in the mail, Yeah, what kind of tax? Am I 2499 02:02:20.479 --> 02:02:20.960 looking at it? 2500 02:02:21.039 --> 02:02:22.520 Well, you won't have to well, I mean, if you 2501 02:02:22.600 --> 02:02:26.239 get a check for over fourteen million dollars, you'll probably 2502 02:02:26.279 --> 02:02:28.399 owe some taxes up to that amount. You're not going 2503 02:02:28.479 --> 02:02:32.159 to owe taxes, really, so she throws me one hundred thousand. 2504 02:02:32.199 --> 02:02:33.359 I don't have I'm not no. 2505 02:02:33.560 --> 02:02:35.079 When you go to your account and you're going to 2506 02:02:35.119 --> 02:02:37.439 have to file a gift tax return, but all it's 2507 02:02:37.520 --> 02:02:41.079 going to do is take away from her life amount 2508 02:02:41.199 --> 02:02:43.479 she can do. And as of right now, that's thirteen 2509 02:02:43.560 --> 02:02:46.560 point nine to nine million. But if it's over eighteen 2510 02:02:46.760 --> 02:02:50.079 thousand in any given year, and these numbers change all 2511 02:02:50.119 --> 02:02:53.119 the time, man, there was one year. I'm pretty sure 2512 02:02:53.159 --> 02:02:56.319 there was one year where there was no limit. I 2513 02:02:56.479 --> 02:02:58.800 forget what year it was, but right now it's basically 2514 02:02:58.880 --> 02:03:02.520 fourteen million. But if it's over eighteen thousand dollars in 2515 02:03:02.640 --> 02:03:06.399 one year, your accountant needs to do a gift tax 2516 02:03:06.760 --> 02:03:10.880 and basically all that does is offset hers the amount, 2517 02:03:11.239 --> 02:03:14.079 I'm sorry, offset you the amount you can get for 2518 02:03:14.199 --> 02:03:15.920 the rest of your life. Does that make sense? 2519 02:03:16.279 --> 02:03:16.880 Absolutely? 2520 02:03:17.239 --> 02:03:19.520 That's it, man, And if it's you and your wife, 2521 02:03:20.319 --> 02:03:23.640 if you are married or whoever, you could get half. Okay, 2522 02:03:23.800 --> 02:03:28.000 all right, Hey, what's your question on reverse mortgages? Frank? 2523 02:03:28.039 --> 02:03:35.239 Thanks for that call. Tom. Hey, Frank, Hi, Hi, Mark 2524 02:03:35.640 --> 02:03:36.800 jah Hi. 2525 02:03:37.640 --> 02:03:41.920 About a year ago last spring, I started investigating in 2526 02:03:42.199 --> 02:03:46.319 reverse markets. I'm seventy five. I looked at I looked 2527 02:03:46.319 --> 02:03:54.319 at Finance America Mutual of Omaha, and they're talking about, 2528 02:03:54.520 --> 02:03:56.960 you know, my house is I'm seventy five at the 2529 02:03:57.000 --> 02:04:01.239 house is worth about three fifty about first year, give 2530 02:04:01.279 --> 02:04:04.800 me like fifteen thousand, then a year later like thirty 2531 02:04:04.880 --> 02:04:09.680 or forty thousand. And I looked at you know, I 2532 02:04:09.800 --> 02:04:12.680 get I saw you're at and uh again, I'm here 2533 02:04:12.720 --> 02:04:15.199 in Cheyenne. So I don't know whether it is that. 2534 02:04:15.640 --> 02:04:16.840 Do you operate their job? 2535 02:04:17.159 --> 02:04:21.039 Yeah, John does. I got a question though, for John 2536 02:04:21.119 --> 02:04:23.600 and you, Frank, I don't understand where he started off. 2537 02:04:23.840 --> 02:04:26.960 But what is he talking about? Fifteen thousand the first 2538 02:04:27.039 --> 02:04:29.800 year than forty I don't even I don't even get that. 2539 02:04:30.000 --> 02:04:32.359 Generally it works two ways, Frank. You either have a 2540 02:04:32.439 --> 02:04:35.000 line of credit and John can kind of punch some 2541 02:04:35.119 --> 02:04:37.319 numbers and tell you what that would look like, or 2542 02:04:37.439 --> 02:04:41.079 you can get one amount per month. I mean, there's 2543 02:04:41.119 --> 02:04:42.960 so many ways to do it. But I don't understand 2544 02:04:43.039 --> 02:04:46.319 the fifteen thousand one year than forty thousand. 2545 02:04:46.640 --> 02:04:48.960 I think you're best quoted there. So the fuck they've 2546 02:04:49.000 --> 02:04:51.399 let me, And how much you can so of the 2547 02:04:51.520 --> 02:04:54.520 total amount you can get, say so three fifty, Say 2548 02:04:54.560 --> 02:04:56.960 you can get a one hundred and forty out of it? Yeah, 2549 02:04:57.119 --> 02:04:59.359 they'll they'll will only give you sixty percent of that 2550 02:04:59.479 --> 02:05:01.920 one forty the first year. Oh and then you get 2551 02:05:01.960 --> 02:05:04.479 the remaining the second year. If you do a fixed 2552 02:05:04.479 --> 02:05:06.920 st rate, you can get it all. But you know, 2553 02:05:07.079 --> 02:05:10.279 if you're not paying anything off, It's like I said, 2554 02:05:10.359 --> 02:05:13.079 you get about three fifty, you get about forty percent 2555 02:05:13.159 --> 02:05:14.520 of that as a loan. 2556 02:05:14.520 --> 02:05:17.000 At seventy five. It's not fifty percent yet, No. 2557 02:05:17.239 --> 02:05:20.560 It's it just never really gets to fifty percent anymore 2558 02:05:20.600 --> 02:05:22.000 unless you're like ninety Yeah. 2559 02:05:22.680 --> 02:05:24.880 So so, Frank, what is your goal? I think that's 2560 02:05:24.880 --> 02:05:27.119 where you start with someone like John. I mean, what 2561 02:05:27.479 --> 02:05:29.960 are you trying to do besides living your house forever? 2562 02:05:32.319 --> 02:05:33.840 I want to look. You know, I've been here since 2563 02:05:34.079 --> 02:05:38.000 two thousand and five. Yeah, I've got about seventy K 2564 02:05:38.279 --> 02:05:40.359 left on the mortgage. 2565 02:05:40.600 --> 02:05:48.840 Okay, I've got I've got a PTI of seven and 2566 02:05:48.880 --> 02:05:51.359 twenty five a month. So that's your only income to 2567 02:05:51.439 --> 02:05:54.119 be able to pay pay off the mortgage? Well, hold on, 2568 02:05:54.359 --> 02:05:56.000 is that your only income Frank. 2569 02:05:55.880 --> 02:05:57.840 My mortgage payments, my mortgage payments. 2570 02:05:58.000 --> 02:06:00.560 Yeah, but I'm saying other, you're only in income, not 2571 02:06:00.680 --> 02:06:03.359 your mortgage payment. Your income is how much each month? 2572 02:06:05.039 --> 02:06:06.520 Oh, sixteen hundred a month? 2573 02:06:06.720 --> 02:06:11.600 SSI sixteen hundred a month. So so eyeball that real quick? 2574 02:06:11.680 --> 02:06:11.880 Yeah? 2575 02:06:12.439 --> 02:06:14.159 Yeah, they just checked to make sure you you can 2576 02:06:14.239 --> 02:06:16.439 afford to pay your property tax and insurance, so you'd 2577 02:06:16.479 --> 02:06:19.319 be good. So yeah, if you owed seven, if you 2578 02:06:19.399 --> 02:06:20.560 owe seventy, you're going to. 2579 02:06:20.600 --> 02:06:23.079 Get that seventy paid off to ninety. 2580 02:06:23.199 --> 02:06:26.000 Then you're gonna get about, you know, about seventy grand 2581 02:06:26.039 --> 02:06:28.600 on top of that, which of the first year you 2582 02:06:28.680 --> 02:06:30.960 can get maybe forty two, forty five thousand. 2583 02:06:31.079 --> 02:06:32.800 Well that's why I was asking him, wouldn't he be 2584 02:06:32.920 --> 02:06:34.960 better off? I mean, Frank, would you rather have a 2585 02:06:35.039 --> 02:06:38.279 certain amount monthly? Or would you do you want to 2586 02:06:38.359 --> 02:06:40.199 lump some of cash you can use? I don't know, 2587 02:06:40.359 --> 02:06:42.239 That's what I meant. What are you trying to do? 2588 02:06:42.720 --> 02:06:46.520 Okay, Well, he wants to ump. 2589 02:06:46.720 --> 02:06:47.840 To pay off the seventy. 2590 02:06:48.359 --> 02:06:50.600 You do that, so you get the seventy and still 2591 02:06:50.600 --> 02:06:52.840 a line of credits. Better unless he has to use 2592 02:06:53.720 --> 02:06:56.319 a lot of money after the seventy because this because 2593 02:06:56.359 --> 02:06:57.560 the line of credit will get up. 2594 02:06:57.600 --> 02:07:00.840 So here I get it. I I know what you're saying. 2595 02:07:00.920 --> 02:07:04.520 So frank it's pretty simple. You would basically go into 2596 02:07:04.560 --> 02:07:07.119 the reverse product. You would no longer have a mortgage 2597 02:07:07.119 --> 02:07:10.000 payment at all. That seventy would be gone, and then 2598 02:07:10.079 --> 02:07:13.479 you would have a line of credit for around seventy thousand. 2599 02:07:14.159 --> 02:07:16.359 Or isn't there a way you can get a certain 2600 02:07:16.399 --> 02:07:17.239 amount per month? 2601 02:07:17.600 --> 02:07:20.239 Yes, there is. It's called the tenure payment, which you 2602 02:07:20.279 --> 02:07:22.159 could get you know, five hundred and six. 2603 02:07:22.359 --> 02:07:25.199 We'd run the run. Or what you can do is 2604 02:07:25.279 --> 02:07:28.479 add on to that sixty sixteen hundred you're getting from 2605 02:07:28.600 --> 02:07:31.800 SSI and add another five or six hundred a month 2606 02:07:31.880 --> 02:07:35.560 for X amount of time. So therefore you're guaranteed you know, 2607 02:07:35.760 --> 02:07:40.119 two thousand whatever that looks like over whatever period of time. 2608 02:07:42.960 --> 02:07:46.359 Oh wow, now I'm really getting confused. Which way to 2609 02:07:46.439 --> 02:07:46.840 go here? 2610 02:07:47.239 --> 02:07:49.439 Well that's why John will talk to you. I mean 2611 02:07:49.479 --> 02:07:52.079 the radio. The radio is no place to do it 2612 02:07:52.199 --> 02:07:55.600 right here to go into your personal details. But I mean, 2613 02:07:55.720 --> 02:07:58.720 really called John up. He can lend in all fifty states. 2614 02:07:58.760 --> 02:08:01.039 He's the bank, and quite frankly, he's going to have 2615 02:08:01.199 --> 02:08:04.159 less cost. I guarantee he's gonna have less cost than 2616 02:08:04.239 --> 02:08:07.079 Omaha or anybody else you did, because he's a direct lender. 2617 02:08:07.880 --> 02:08:10.079 He's the bank. He's not even what i'd call a 2618 02:08:10.159 --> 02:08:13.159 direct lender. He's literally the bank. So I mean, he 2619 02:08:13.279 --> 02:08:15.960 knows the underwriters, he knows every part of it. He's 2620 02:08:16.039 --> 02:08:18.800 going to be your best option. So just call him 2621 02:08:18.880 --> 02:08:19.279 off air. 2622 02:08:19.359 --> 02:08:24.640 Okay, Okay, so I should just have John call me 2623 02:08:24.960 --> 02:08:25.279 at my. 2624 02:08:26.840 --> 02:08:27.159 Numbers. 2625 02:08:27.640 --> 02:08:30.199 What we're gonna do. I'm gonna make it easy for 2626 02:08:30.359 --> 02:08:32.880 you and do that, so Kelly or Suzanne will pick up. 2627 02:08:33.079 --> 02:08:34.920 I'm going to put you on hold. Frank, sit there, 2628 02:08:35.159 --> 02:08:37.079 We're going to get your first last name and your 2629 02:08:37.119 --> 02:08:39.800 phone number, and John, you'll you'll call him up later on, 2630 02:08:40.399 --> 02:08:42.920 and let's do that for him. See that's kind of funny. 2631 02:08:42.920 --> 02:08:44.520 A lot of people don't even know what they want. 2632 02:08:45.439 --> 02:08:48.239 I would think because of his income, it would be 2633 02:08:48.399 --> 02:08:51.119 nice to boost that, but he might want that line 2634 02:08:51.159 --> 02:08:53.840 of credit in case he wants to buy a new Tesla. 2635 02:08:53.920 --> 02:08:55.119 I mean, I don't know what he wants to do. 2636 02:08:55.359 --> 02:08:56.800 The nice thing about as you get rid of the 2637 02:08:56.880 --> 02:08:59.600 mortgage payment, that instantly goes to your income. 2638 02:08:59.760 --> 02:09:02.880 Okay, Hey, Mike, real quick, I've got Eric rhinimir on, 2639 02:09:02.960 --> 02:09:05.760 I gotta take this break. We're gonna quiz the accountant 2640 02:09:05.800 --> 02:09:09.520 on all the tax ramifications of you and your daughter 2641 02:09:09.680 --> 02:09:11.079 buying the house together. 2642 02:09:11.199 --> 02:09:13.359 So hold tight, all right, Mike, go with a sure 2643 02:09:13.479 --> 02:09:16.439 thing Denver's best rufer Excel Roofing dot com. 2644 02:09:16.600 --> 02:09:19.880 You don't pay a cent until you're content than. 2645 02:09:22.000 --> 02:09:25.159 Time for an insurance check up, free no obligation comparison 2646 02:09:25.319 --> 02:09:28.880 call Compass Insurance paying too much your coverage at dozens 2647 02:09:28.920 --> 02:09:31.640 of insurance companies find out now three oh three seven 2648 02:09:31.640 --> 02:09:32.199 to seven to one. 2649 02:09:32.319 --> 02:09:32.560 Help. 2650 02:09:32.760 --> 02:09:35.399 You'll think you're his only customer when you choose Frank 2651 02:09:35.439 --> 02:09:37.880 durand the real estate Man dot com to list your 2652 02:09:37.920 --> 02:09:41.039 home with Remax Alliance three oh three nine two zero 2653 02:09:41.199 --> 02:09:42.119 sixteen twenty two. 2654 02:09:43.960 --> 02:09:45.880 All right, three oh three seven one three A two 2655 02:09:46.039 --> 02:09:49.039 five five, Uh, don't forget three oh three. Martino works 2656 02:09:49.079 --> 02:09:51.600 on and off the air. Tell your neighbors. Eric Reinimere, 2657 02:09:51.600 --> 02:09:53.720 I'm gonna bring Mike back on. Hey, thanks for coming 2658 02:09:53.800 --> 02:09:58.640 back on, Eric, real quick question. He's gonna buy a house. 2659 02:09:58.720 --> 02:10:00.920 It doesn't matter if him and his daughter or two 2660 02:10:00.960 --> 02:10:04.039 people not married but unmarried people. It happens to be 2661 02:10:04.159 --> 02:10:06.399 himself and his daughter. Mike and his daughter, they're going 2662 02:10:06.439 --> 02:10:08.880 to buy a house. They're both gonna chip in on it. 2663 02:10:08.960 --> 02:10:11.479 They're both gonna be on the deed. Mike's not going 2664 02:10:11.560 --> 02:10:13.359 to live there, the daughter is going to live there. 2665 02:10:13.840 --> 02:10:17.399 So when he passes away, let's say he passes away first, 2666 02:10:17.960 --> 02:10:21.399 where her basis change at all? In other words, half 2667 02:10:21.439 --> 02:10:24.239 of her basis won't step up, right because she actually 2668 02:10:24.319 --> 02:10:27.039 owns a house the same day he does. It's not 2669 02:10:27.239 --> 02:10:30.520 like he's gonna he's gonna quit claim it to her 2670 02:10:30.640 --> 02:10:33.760 years later. They're both gonna buy it together. They're gonna 2671 02:10:33.760 --> 02:10:37.520 probably buy it. Is a joint tenancy, So does the 2672 02:10:37.600 --> 02:10:39.079 basis get affected at all? 2673 02:10:40.720 --> 02:10:45.039 That's an interesting question. If it's joint tenancy, then what 2674 02:10:45.239 --> 02:10:49.680 happens if if he were to pass away simply well. 2675 02:10:49.560 --> 02:10:52.960 That's Eric, I swear to God, this is not your fault. 2676 02:10:52.960 --> 02:10:56.000 It's mine. It's not I get these mixed up every time. 2677 02:10:56.279 --> 02:10:58.840 They're gonna buy it, just like a couple would buy it, 2678 02:10:59.000 --> 02:11:01.319 like Susanne and I tenants in common. 2679 02:11:02.279 --> 02:11:02.399 Right. 2680 02:11:02.760 --> 02:11:07.119 Well, still, even though if he passes away, I would 2681 02:11:07.199 --> 02:11:09.960 think that she would still get a bit of a 2682 02:11:10.039 --> 02:11:13.399 step up and basis because of his asset, which is appreciated, 2683 02:11:13.880 --> 02:11:17.039 which she should get a step up for his half 2684 02:11:17.119 --> 02:11:18.319 for the basis and the property. 2685 02:11:18.359 --> 02:11:22.239 It seems to me so well, I mean, you're the accountant. 2686 02:11:22.279 --> 02:11:26.279 If this actually happened, if he passed away and she 2687 02:11:26.439 --> 02:11:29.279 goes to file his taxes and the house went up 2688 02:11:29.479 --> 02:11:32.800 a million dollars, I mean, what's your basis in the house? 2689 02:11:34.760 --> 02:11:36.760 Well, they get to decide. Here's a tricky thing when 2690 02:11:36.760 --> 02:11:39.479 you buy it together. They get to decide who's putting 2691 02:11:39.560 --> 02:11:43.039 in the money. Are they co owning it with equal ownership? 2692 02:11:43.600 --> 02:11:48.159 How are you doing that, Mike, Probably be co ownership equal, 2693 02:11:48.560 --> 02:11:50.640 so it'll be so you both are putting in the 2694 02:11:50.680 --> 02:11:53.800 same amount of money. Yes, yes, So there you go. 2695 02:11:54.680 --> 02:11:56.800 And what's the rough value of the house bike that 2696 02:11:56.840 --> 02:12:02.119 you're buying, Probably around eight hundred And is it going 2697 02:12:02.159 --> 02:12:06.800 to be her so you're participating but it's her principal residence. 2698 02:12:07.760 --> 02:12:09.600 Yes, yeah. 2699 02:12:09.640 --> 02:12:11.479 So the other piece about this is you like to 2700 02:12:11.600 --> 02:12:16.000 maximize it to where somehow you can take advantage of that, 2701 02:12:16.479 --> 02:12:19.279 you know, two to fifty thousand dollars exclusion of gain 2702 02:12:19.399 --> 02:12:21.760 on the sale of a personal residence, So that my 2703 02:12:21.920 --> 02:12:23.880 guess is it for her? She might never have any 2704 02:12:24.319 --> 02:12:27.359 tax impact whatsoever. I mean, will she live in it forever? 2705 02:12:27.640 --> 02:12:29.000 What's the kind of the timeline. 2706 02:12:31.840 --> 02:12:34.359 She's only thirty now, so I don't know how long 2707 02:12:34.439 --> 02:12:35.159 should live in there. 2708 02:12:35.479 --> 02:12:38.159 Yeah, but even if if she lived in it for whatever, 2709 02:12:38.399 --> 02:12:41.199 five years, go ahead, Eric. 2710 02:12:42.760 --> 02:12:45.479 Yeah, yeah, this is this is kind of an interesting 2711 02:12:45.640 --> 02:12:48.600 twister situation. But no matter what it seems to me, 2712 02:12:49.239 --> 02:12:51.399 she should get a step up if they co own 2713 02:12:51.520 --> 02:12:55.439 the house, and if Mike, you were passed away, and 2714 02:12:55.600 --> 02:12:58.920 if that half of that is your asset, which to 2715 02:12:59.039 --> 02:13:02.119 me that happened, it's yours should get stepped up to 2716 02:13:02.239 --> 02:13:05.560 the fair market value of what it is when you 2717 02:13:05.760 --> 02:13:08.199 pass so that she would get that step up. 2718 02:13:08.319 --> 02:13:08.640 Mark that. 2719 02:13:09.359 --> 02:13:10.199 That's how I would treat it. 2720 02:13:10.279 --> 02:13:12.760 Would it be just would it be just a step 2721 02:13:12.880 --> 02:13:16.479 up on his fifty percent of the house or the 2722 02:13:16.760 --> 02:13:17.399 entire house? 2723 02:13:17.840 --> 02:13:21.760 Yeah, no, only on his fifty percent. That happens all 2724 02:13:21.800 --> 02:13:24.640 the time when a couple own something and one person 2725 02:13:24.760 --> 02:13:28.119 passes away, the step up the spouse gets a step 2726 02:13:28.239 --> 02:13:31.399 up on the half that belonged to the other spouse. Yeah, 2727 02:13:31.439 --> 02:13:33.199 whether or not it's a business or a house. 2728 02:13:33.079 --> 02:13:36.119 Or whatever, Yeah, it doesn't matter. So the interesting part is, 2729 02:13:36.199 --> 02:13:39.199 can you think of any way inside of a trust. 2730 02:13:39.279 --> 02:13:44.479 And we kind of asked our trust expert the same question. 2731 02:13:45.279 --> 02:13:47.720 And I'm not saying he said there's no way to 2732 02:13:47.840 --> 02:13:51.279 protect that her side of it. But have you seen 2733 02:13:51.359 --> 02:13:53.920 anything done through a trust or anything you can think of, 2734 02:13:54.119 --> 02:13:57.239 eric that would make it to where when Mike passed 2735 02:13:58.039 --> 02:14:02.600 her side and his side would both jump up to 2736 02:14:02.720 --> 02:14:05.319 that basis. Let me give you an example. Is it 2737 02:14:05.439 --> 02:14:09.279 possibly he could owe he could own ninety percent and 2738 02:14:09.439 --> 02:14:13.000 her ten percent, So then ninety percent when he passed 2739 02:14:13.039 --> 02:14:17.159 away would become the basis, but she still gets all 2740 02:14:17.199 --> 02:14:19.199 the other benefits of the home ownership. 2741 02:14:20.880 --> 02:14:21.800 Well, that's tricky. 2742 02:14:21.880 --> 02:14:22.319 It is way. 2743 02:14:22.359 --> 02:14:24.920 You can't have it both ways where you're giving him 2744 02:14:25.000 --> 02:14:28.359 ninety percent but then calling her her personal residence. The 2745 02:14:28.439 --> 02:14:30.479 other issue that comes up is who's going to what 2746 02:14:30.680 --> 02:14:35.239 is it going to be a mortgage on the property? No, okay, 2747 02:14:35.359 --> 02:14:36.760 so you're paying cash on it? 2748 02:14:37.800 --> 02:14:38.000 Yeah? 2749 02:14:38.800 --> 02:14:39.000 Yeah. 2750 02:14:39.239 --> 02:14:41.359 The only thing I will mention about trust I have 2751 02:14:41.680 --> 02:14:45.239 I know from talking to attorneys, they often might advise 2752 02:14:45.319 --> 02:14:48.199 that the sale of what is a personal residence, sometimes 2753 02:14:48.640 --> 02:14:50.560 it's better to have it inside of what they call 2754 02:14:50.640 --> 02:14:54.279 a residence trust to make it much easier in case 2755 02:14:54.399 --> 02:14:57.079 one of the other person gets disabled, it can make 2756 02:14:57.119 --> 02:15:01.960 it be easier for the remaining party. Yeah, to inside 2757 02:15:02.000 --> 02:15:03.000 of what they call. 2758 02:15:02.920 --> 02:15:05.359 All right, Hey, Eric, I'm sorry, I'm up against this 2759 02:15:05.600 --> 02:15:08.760 in a Mike, Mike, I think you should call Dan 2760 02:15:08.920 --> 02:15:12.159 Mackenzie or Eric Reinemer. They're both at LIS Firms, and 2761 02:15:12.239 --> 02:15:15.119 Mackenzie are both on a referral list. Mike, I hope 2762 02:15:15.159 --> 02:15:17.119 I at least helped you a little bit. I feel 2763 02:15:17.199 --> 02:15:21.000 like we left some questions open. Maybe we can figure 2764 02:15:21.079 --> 02:15:23.319 him out another day. Don I'll talk to you tomorrow. 2765 02:15:23.800 --> 02:15:25.520 This is the Troubleshooter Network.