WEBVTT 1 00:00:07.799 --> 00:00:11.039 News you needed. That's who You don't have to. 2 00:00:13.039 --> 00:00:16.600 Come running just as fast as we can. 3 00:00:16.760 --> 00:00:18.640 Shooter's gonna help me come. 4 00:00:20.199 --> 00:00:26.320 This is the Troubleshooter Show. No Tom Martino, Hey, hey, hey, hey. 5 00:00:26.280 --> 00:00:30.600 Tom Martino here and I welcome you to the show. 6 00:00:30.640 --> 00:00:33.960 What's going on with you? Let's make this a fun show. 7 00:00:34.039 --> 00:00:36.799 I'm at the mother Ship today. I had to see 8 00:00:37.000 --> 00:00:41.359 get my fix of Shannon before the end of the year. Uh, 9 00:00:41.479 --> 00:00:45.399 because uh, you just can't. You can't go a whole 10 00:00:45.479 --> 00:00:48.799 year without seeing him. Actually I haven't gone a whole year. 11 00:00:49.359 --> 00:00:52.520 And then we have guests today, well, we have a guest, 12 00:00:52.920 --> 00:00:56.679 but he makes up for two guests. He's our car, 13 00:00:57.240 --> 00:01:00.200 our car expert, Kevin Cocking, Uncle Kevin. I call im 14 00:01:00.200 --> 00:01:04.400 from Sheridan Auto Tech. And uhs Jeff was Jeff's supposed 15 00:01:04.439 --> 00:01:06.159 to note No, Jesse was supposed. 16 00:01:05.799 --> 00:01:08.079 To comunity he had at the horse. 17 00:01:08.239 --> 00:01:10.599 I hope he's okay, okay, okay. And then of course 18 00:01:10.640 --> 00:01:15.879 we have Deputy Doc and uh Kachina and Kachina Chlory 19 00:01:16.239 --> 00:01:18.599 and as I mentioned, Shannon, and we'll see who else 20 00:01:18.680 --> 00:01:22.319 is going to show up, maybe d maybe Bo, maybe 21 00:01:22.359 --> 00:01:24.879 someone else. But we're here to solve problems. That's what 22 00:01:24.920 --> 00:01:27.879 we do every day. Three Mark, Oh, he's I thought 23 00:01:27.879 --> 00:01:31.120 he was going to I am not leaving for a 24 00:01:31.159 --> 00:01:37.840 couple hours. Oh okay, that's good. Then great. You didn't 25 00:01:37.840 --> 00:01:38.719 hear what I said about you? 26 00:01:38.760 --> 00:01:38.920 Then? 27 00:01:39.719 --> 00:01:42.239 Yes, I always hear. I hear everything. Okay, Well I 28 00:01:42.319 --> 00:01:45.439 just said that there's not a note here. Actually there 29 00:01:45.439 --> 00:01:47.879 there are some note. No no, no, no, no, no notes. 30 00:01:48.239 --> 00:01:50.040 That would be too much. Asked, Hey, be happy I 31 00:01:50.120 --> 00:01:52.719 got all the inventory done. You're good man. You do 32 00:01:52.799 --> 00:01:54.760 a great honest to god, I'm I don't want to 33 00:01:54.760 --> 00:01:58.040 patronize you. I mean, I love it. Hey, let's talk 34 00:01:58.079 --> 00:02:04.319 to some people now, Gary. He wants to talk about 35 00:02:04.480 --> 00:02:08.719 an issue with one source. Now I've heard of one 36 00:02:09.199 --> 00:02:13.759 source before, but enlighten me here, Gary, what's going on 37 00:02:13.840 --> 00:02:14.879 with one source? 38 00:02:16.000 --> 00:02:19.319 Yes, sir, am I on now, yes you are sir, Yes, sir. 39 00:02:19.520 --> 00:02:22.759 We had an issue on our house. A heater went out. Well, 40 00:02:22.800 --> 00:02:27.159 story short. We called one source. They say they're locally, 41 00:02:27.319 --> 00:02:31.439 but either way, we heard the guy. When was this 42 00:02:32.360 --> 00:02:35.400 It was a December seventh is when it came out 43 00:02:35.439 --> 00:02:38.400 on a Saturday. Okay, one person came out. He said 44 00:02:38.439 --> 00:02:41.840 he couldn't get the part he said it was the 45 00:02:41.840 --> 00:02:46.599 part that he needed. Was they called a I would 46 00:02:46.599 --> 00:02:49.240 call this switch pressure switch. 47 00:02:49.639 --> 00:02:52.080 Yeah, okay, he went and he. 48 00:02:52.120 --> 00:02:52.840 Bought it Monday. 49 00:02:52.919 --> 00:02:55.000 Now we're talking about a regular hot air furnace. 50 00:02:55.080 --> 00:02:55.599 This is not a. 51 00:02:55.560 --> 00:02:58.159 Boiler, right, No, that's a regular furnace. 52 00:02:58.280 --> 00:02:59.919 Okay, got it one house. 53 00:03:00.599 --> 00:03:02.280 So he went and he got it and he installed it. 54 00:03:02.319 --> 00:03:04.599 And then well, prior to that, he said, there's nothing 55 00:03:04.639 --> 00:03:07.919 wrong with the heater. The motor's perfect. Everything's perfect, electrical 56 00:03:07.919 --> 00:03:09.840 bubb blah. So I told me, I'll go ahead and 57 00:03:09.840 --> 00:03:11.879 install it. He told me at that time and be 58 00:03:11.879 --> 00:03:16.719 like four hundred, four hundred, and I got four hundred 59 00:03:16.719 --> 00:03:18.680 and fifty four hundred and eighty four dollars. 60 00:03:18.879 --> 00:03:21.719 Did you have him do it? Yeah? God, we did okay. 61 00:03:21.800 --> 00:03:24.000 And he came back upstairs and he said, I he 62 00:03:24.000 --> 00:03:25.400 hay to tell you this. I don't want to take 63 00:03:25.400 --> 00:03:27.759 your seven hundred dollars from you. I really don't want to. 64 00:03:28.080 --> 00:03:30.960 I go what he goes, the motor's dad need me motor? 65 00:03:31.000 --> 00:03:32.960 So I said, well, how much is that going to cost? 66 00:03:33.240 --> 00:03:35.000 He said, well, I could run a couple of thousand 67 00:03:35.000 --> 00:03:38.439 the more told me and my wife put it in. 68 00:03:38.479 --> 00:03:40.120 I guess, well, why would you? Why would you? 69 00:03:40.159 --> 00:03:40.360 Ever? 70 00:03:40.439 --> 00:03:41.520 How old is your furnace? 71 00:03:42.800 --> 00:03:44.919 It's only about eight you's six years older? Thank ten? 72 00:03:45.000 --> 00:03:46.240 Maybe maybe ten if that? 73 00:03:46.439 --> 00:03:49.800 Well? Why why? Okay? So he said you had both 74 00:03:50.039 --> 00:03:53.520 the blower motor and you needed the pressure switch or 75 00:03:53.599 --> 00:03:55.919 did he change his mind about the pressure switch. 76 00:03:56.280 --> 00:03:58.039 No, he still put that in, and then he came 77 00:03:58.039 --> 00:04:01.400 back he said, we need a vent then assembly. 78 00:04:03.120 --> 00:04:05.960 Well, what is the ventilator inducer? That's not a fan. 79 00:04:06.560 --> 00:04:08.639 It's kind of like a fan slash. It looks kind 80 00:04:08.680 --> 00:04:11.400 of like a car fan. It only weighs out maybe 81 00:04:11.639 --> 00:04:14.520 a pounds maybe that there's six folks to take it 82 00:04:14.560 --> 00:04:15.599 off in two plug games. 83 00:04:16.120 --> 00:04:19.839 So anyway, okay, we're not talking about the blower motor. 84 00:04:20.759 --> 00:04:25.319 No, No, it's a it's an assembly or ventilator inducer. 85 00:04:25.519 --> 00:04:29.600 Okay, it's for your it's ventilator inducer is a fancy 86 00:04:29.680 --> 00:04:32.319 name for a fan in the flu or in the 87 00:04:32.439 --> 00:04:35.519 in the intake. Well, listen, that shouldn't cost that much. 88 00:04:35.639 --> 00:04:37.040 Just get that. That's a ripoff. 89 00:04:38.000 --> 00:04:40.759 Well, here's the thing, mister Martinez. First of all, I 90 00:04:40.800 --> 00:04:43.240 want to thank you. We've been listening for decades. Nobody 91 00:04:43.279 --> 00:04:45.319 will listen to me. What it is is when I 92 00:04:45.360 --> 00:04:47.319 asked with the old motor, I got this fish. 93 00:04:47.360 --> 00:04:49.279 How much was this total repair? 94 00:04:49.360 --> 00:04:49.519 Now? 95 00:04:49.680 --> 00:04:50.120 Everything? 96 00:04:50.279 --> 00:04:54.160 Three chelsands three thousand three? 97 00:04:55.319 --> 00:04:55.959 Do you have heat? 98 00:04:56.040 --> 00:04:57.040 Thirty two hundreds? 99 00:04:57.959 --> 00:04:59.439 Is it thirty seven to thirty two? 100 00:05:00.279 --> 00:05:02.160 Let me say, I'm trying to find that. Just one 101 00:05:02.199 --> 00:05:05.160 of them was two thy seven hundred and ninety one. 102 00:05:05.199 --> 00:05:08.160 I'm not going to do it, okay, that's why. And 103 00:05:08.160 --> 00:05:12.279 the other one was four so thirty two? Got it? 104 00:05:12.680 --> 00:05:14.879 So now hold on, man, here's what I need to know. 105 00:05:15.240 --> 00:05:16.680 Did they fix the problem. 106 00:05:17.360 --> 00:05:19.040 They fixed the problem, and I paid them because I 107 00:05:19.079 --> 00:05:19.959 didn't want them to lean me. 108 00:05:20.439 --> 00:05:22.639 Yeah, I know. Okay, So where does the sand right now? 109 00:05:22.680 --> 00:05:22.839 Where? 110 00:05:22.879 --> 00:05:24.959 What are you upset that you paid that much? 111 00:05:25.040 --> 00:05:28.800 Well, here's the problem. The problem gets worse now. I 112 00:05:28.839 --> 00:05:31.600 took the old motor down to an established license. 113 00:05:31.800 --> 00:05:34.759 When you say motor, okay, when you say motor, you're 114 00:05:34.759 --> 00:05:37.560 talking about a little blower fan, a little tiny fan 115 00:05:37.879 --> 00:05:38.399 like is in. 116 00:05:38.399 --> 00:05:42.120 A computer exact Well, it's about a car heater. 117 00:05:42.279 --> 00:05:43.920 Maybe, No, I I know what you mean. 118 00:05:44.160 --> 00:05:44.240 It. 119 00:05:44.439 --> 00:05:48.120 What it does is it pulls fresh air in from 120 00:05:48.360 --> 00:05:49.360 that okay. 121 00:05:50.240 --> 00:05:51.879 In fact, so I went down there and they gave 122 00:05:51.920 --> 00:05:53.480 me a paper saying there was nothing wrong with the 123 00:05:53.480 --> 00:05:56.160 old motor. So then we went to source one and 124 00:05:56.199 --> 00:05:59.079 I talked to the gentleman and I told him by 125 00:05:59.079 --> 00:06:01.079 the way, I went to Green Sure and I took 126 00:06:01.120 --> 00:06:03.680 the two old parts. Once they took off, they gave me. 127 00:06:03.759 --> 00:06:08.439 The price for the one is fifty three seventy seven 128 00:06:08.839 --> 00:06:11.759 and the price with that other assembly was two hundred 129 00:06:11.759 --> 00:06:12.959 and six dollars and two cents. 130 00:06:12.959 --> 00:06:14.720 So total parts are how much. 131 00:06:16.000 --> 00:06:17.759 Let's toget it one was fifty. 132 00:06:17.720 --> 00:06:21.199 Just total bro totals about three fifty three, about three 133 00:06:21.279 --> 00:06:26.120 hundred bucks. So well, hold on now for a place 134 00:06:26.160 --> 00:06:28.600 to come out and guaranteeing all that. Okay, I would 135 00:06:28.639 --> 00:06:30.879 say six hundred for parts. I know you don't like 136 00:06:30.959 --> 00:06:33.079 hearing it, and the world doesn't like hearing it, but 137 00:06:33.160 --> 00:06:36.920 that's just like, it's six hundred in parts. But how 138 00:06:36.959 --> 00:06:38.079 long were they at your house? 139 00:06:39.079 --> 00:06:41.720 That's than an hour they screwed and so. 140 00:06:41.680 --> 00:06:43.959 The total bill was thirty thirty two hundred. We got 141 00:06:44.000 --> 00:06:45.480 to call these clowns. We can just have to call 142 00:06:45.519 --> 00:06:48.120 them to justify it. Now, Listen, I've always said this before, 143 00:06:48.120 --> 00:06:50.839 and I'll say this about our same people. I don't 144 00:06:50.879 --> 00:06:55.240 control pricing, okay, and people are expensive, even our own 145 00:06:55.279 --> 00:06:58.879 people on referrals dot com. They're good, but that I 146 00:06:58.920 --> 00:07:02.000 think when I say expense, they're not cheap, I don't 147 00:07:02.000 --> 00:07:04.759 mean overly expensive. Okay, So I don't know if this 148 00:07:04.800 --> 00:07:06.839 is a fair price or not. I think we should 149 00:07:06.879 --> 00:07:09.399 research it, but it doesn't sound. 150 00:07:09.160 --> 00:07:12.519 Good to me, Miss Martineu. I went to Affordable punt 151 00:07:12.560 --> 00:07:15.199 in the heating. They're good lpit here in the Springs 152 00:07:15.480 --> 00:07:19.000 and their bit for the total job, same parts replacement 153 00:07:19.000 --> 00:07:20.759 and installed it five hundred and fifty seven. 154 00:07:20.839 --> 00:07:23.839 Yeah, but listen, that could be true. But I think 155 00:07:23.920 --> 00:07:28.680 one thing's unfair is asking someone else after you've had 156 00:07:28.720 --> 00:07:32.279 it done, did you tell them how much you were charged? Yes, 157 00:07:32.319 --> 00:07:34.000 they did, Okay, I don't want. 158 00:07:33.839 --> 00:07:34.240 To do that. 159 00:07:34.920 --> 00:07:36.959 I want to call up one of our buddies out there. 160 00:07:37.000 --> 00:07:41.959 Let's call Smith Kitchina. We know Mike's a great guy 161 00:07:42.000 --> 00:07:44.800 down there, Mike Robinson. Let's call Smith Plumbing, Heating, cooling, 162 00:07:44.839 --> 00:07:49.680 electric drains and as Kim to evaluate this for us. 163 00:07:50.160 --> 00:07:54.399 I just want to know roughly. I mean, like I said, 164 00:07:54.439 --> 00:07:56.879 we can't control pricing. If they got it done and 165 00:07:56.959 --> 00:08:00.240 it works, But you're saying there's nothing wrong with the 166 00:08:00.360 --> 00:08:01.079 damn motor. 167 00:08:01.800 --> 00:08:04.240 No, I got paperwork on that from the other company 168 00:08:04.759 --> 00:08:08.600 being in business for Census seventies. They put it in writing. 169 00:08:09.759 --> 00:08:14.319 Oh they did. Now listen, No, I don't care about 170 00:08:14.959 --> 00:08:17.480 cost of parts. Don't don't even bother me about cost 171 00:08:17.519 --> 00:08:21.600 of parts. Okay, we'll double the cost of parts. But 172 00:08:23.120 --> 00:08:26.360 I don't understand thirty seven hundred or thirty two hundred, 173 00:08:26.759 --> 00:08:30.560 especially when the dang thing that would didn't need replacing. 174 00:08:30.800 --> 00:08:34.320 So the name of this place is one source Kachina 175 00:08:34.559 --> 00:08:37.399 or let's talk to Mike if we can get them 176 00:08:37.399 --> 00:08:40.960 on the air, talk and then if we have to 177 00:08:41.000 --> 00:08:43.720 go further. I'm going to give this to Deputy Doc 178 00:08:45.279 --> 00:08:49.639 to shake it down. Because so hold on and Kaschina 179 00:08:49.679 --> 00:08:54.000 get the information for deputy Doc. But what I want 180 00:08:54.039 --> 00:08:56.080 you to do? Have you called them back and said 181 00:08:56.600 --> 00:08:59.960 I did some research, the parts were three hundred, even 182 00:09:00.000 --> 00:09:03.399 I gave you six hundred for parts. I didn't even 183 00:09:03.440 --> 00:09:06.919 need that one motor. Did you tell them all this, sir? 184 00:09:07.039 --> 00:09:08.720 I went in person, me and my son and I 185 00:09:08.759 --> 00:09:10.799 spoke to the gentleman and I told him, look, I. 186 00:09:10.799 --> 00:09:13.679 Just need no no, okay, okay, I did ask did 187 00:09:13.679 --> 00:09:15.159 you go now here's what I want to know what 188 00:09:15.200 --> 00:09:16.840 did they say? I just need to know that. 189 00:09:17.600 --> 00:09:20.879 He offered me one thousand dollars in future tune ups, 190 00:09:20.919 --> 00:09:22.000 and I tol him. Why would I want? 191 00:09:22.080 --> 00:09:24.320 Yeah, why would you want? Why would we want you? 192 00:09:24.279 --> 00:09:28.320 Your freaking clown, your piece of garbage. I'm getting pissed. 193 00:09:28.399 --> 00:09:30.759 If you're telling me the truth, I'm getting pissed. One 194 00:09:30.840 --> 00:09:33.600 source in Colorado Spring I'm pissed, all right, thank you 195 00:09:33.720 --> 00:09:36.039 very much. On a Friday, on a card day, I'm pissed. 196 00:09:36.200 --> 00:09:38.159 And I didn't want to be pissed today. I want 197 00:09:38.200 --> 00:09:39.639 to be happy. 198 00:09:39.879 --> 00:09:43.960 But miss Martine, everything I had in hard coffee, there's 199 00:09:44.000 --> 00:09:47.960 nothing nice. Everything in hard coffee, but nobody in Springs 200 00:09:48.000 --> 00:09:50.840 from town we lived, to the to the disc nobody 201 00:09:50.840 --> 00:09:52.639 would listen to me at all. And I tol him, 202 00:09:52.679 --> 00:09:55.639 but I got I got taken over three thousand dollars. 203 00:09:56.279 --> 00:10:00.559 I'm not even reasonable. Well, come on, give me a 204 00:10:00.679 --> 00:10:02.480 price list, but what the parts costing? 205 00:10:02.559 --> 00:10:03.000 The labels? 206 00:10:03.240 --> 00:10:07.000 It doesn't Matt, listen, Gary, let me let me just 207 00:10:07.399 --> 00:10:11.200 school you. Because I'm on your side. It's none of 208 00:10:11.240 --> 00:10:14.799 your business what they paid for parts. It's none of 209 00:10:14.840 --> 00:10:17.879 your business. And it's none of you. What is your 210 00:10:17.919 --> 00:10:21.320 business is what did they charge you? And was it 211 00:10:21.519 --> 00:10:25.960 reasonable and honest? That's all that matters. Okay, Now when 212 00:10:25.960 --> 00:10:31.000 I say reasonable, unfortunately they can overcharge and be expensive. 213 00:10:31.279 --> 00:10:33.320 What they can't do is lie to you about a 214 00:10:33.360 --> 00:10:36.919 part that did not need replacing. So I'm not going 215 00:10:37.000 --> 00:10:40.120 to demand that they tell me how much they paid 216 00:10:40.120 --> 00:10:44.279 for parts. And I'm not going to demand anything except 217 00:10:45.320 --> 00:10:48.039 did the motor need replacing or that little fan the 218 00:10:48.080 --> 00:10:52.879 inducer fan? And where was it properly replaced? And I 219 00:10:52.960 --> 00:10:56.600 think I want to get a gauge of what this 220 00:10:56.759 --> 00:11:00.320 job would cost somewhere else. I'm Tom Martinez. We got more. 221 00:11:00.320 --> 00:11:05.639 Come and go with a sure thing Denver's Best roofer 222 00:11:05.759 --> 00:11:08.639 Excel Roofing dot com. You don't pay a cent until 223 00:11:08.679 --> 00:11:15.159 you're content. Time for an insurance checkup, free, no obligation 224 00:11:15.279 --> 00:11:19.159 comparison call Compass Insurance paying too much your coverage at 225 00:11:19.200 --> 00:11:21.960 dozens of insurance companies find out now three all three 226 00:11:22.080 --> 00:11:25.200 seven seven one help. You'll think you're his only customer 227 00:11:25.240 --> 00:11:27.919 when you choose Frank durand Thereal estate man dot com 228 00:11:27.960 --> 00:11:31.080 to list your home with Remax Alliance three all three 229 00:11:31.159 --> 00:11:40.080 nine two zero sixteen twenty two. Hey, Tom Martino here 230 00:11:40.200 --> 00:11:43.519 three all three seven to one three talks seven one 231 00:11:43.600 --> 00:11:47.000 three h five five. I want to tell you waterpro 232 00:11:47.039 --> 00:11:49.200 dot net has the best water systems at the lowest 233 00:11:49.200 --> 00:11:53.080 prices anywhere. They have the greatest systems. And I'm telling you, 234 00:11:53.440 --> 00:11:56.720 if you compare pricing, you'll know the whole house water 235 00:11:56.799 --> 00:12:00.840 softening you're in special only whole house watersof and reverse 236 00:12:00.879 --> 00:12:03.679 Osmos's drinking water, all of it, all of it for 237 00:12:03.759 --> 00:12:06.440 thirty one ninety five. You'll never get a system like 238 00:12:06.480 --> 00:12:09.440 this anywhere else for this price, with this quality. In fact, 239 00:12:09.480 --> 00:12:12.720 Plumbers minimum twelve grand for this if you can get 240 00:12:12.759 --> 00:12:16.960 them to twelve grand. Anyway, let's keep going and we 241 00:12:17.240 --> 00:12:21.519 uh Kachina, are you getting Mike on from Colorado Springs? 242 00:12:21.600 --> 00:12:21.799 Can you? 243 00:12:22.399 --> 00:12:25.440 Okay? Thank you. I'm gonna move on then, and I'm 244 00:12:25.480 --> 00:12:27.120 going to talk to Chris. He says he has an 245 00:12:27.159 --> 00:12:34.159 issue with an ho A. Hello, Chris, what's happening? All right? 246 00:12:34.159 --> 00:12:37.360 Hold on, I'll get you right now my phone right there. Okay, 247 00:12:37.360 --> 00:12:39.080 there's the button. Okay, Chris, what's going on? 248 00:12:40.240 --> 00:12:44.840 Hey, thanks for taking my call. Yes, sir, we inherited 249 00:12:45.000 --> 00:12:49.080 a condo from my wife's dad. He passed away in 250 00:12:49.159 --> 00:12:49.960 twenty twenty one. 251 00:12:50.279 --> 00:12:54.679 Oh okay, twenty twenty one, this happened, all right, Yeah, 252 00:12:54.799 --> 00:12:56.720 so we took over the payments. 253 00:12:56.840 --> 00:12:59.559 Well I should. We paid it off and we are 254 00:12:59.639 --> 00:13:01.879 partner with our with my sister in MW. 255 00:13:02.279 --> 00:13:04.679 Okay, So he left it, he left it to two 256 00:13:04.799 --> 00:13:05.000 of you. 257 00:13:06.399 --> 00:13:09.080 Well there's three. We bought him out. It's complicated, but okay. 258 00:13:09.159 --> 00:13:13.240 So now so now your wife and her sister own it. 259 00:13:14.480 --> 00:13:15.360 Yes, that's correct. 260 00:13:15.480 --> 00:13:15.879 Okay. 261 00:13:16.919 --> 00:13:20.759 So now so we started paying you know, the bills, electricity, water. 262 00:13:21.679 --> 00:13:24.519 HOAP was Now who lives in it? By the way, 263 00:13:25.480 --> 00:13:27.360 we have rinters in there, okay. 264 00:13:29.559 --> 00:13:33.840 And so we started paying h OAF at two fifty 265 00:13:33.879 --> 00:13:36.639 a month, which seemed high for an eleven hundred square 266 00:13:36.639 --> 00:13:37.080 foot house. 267 00:13:37.320 --> 00:13:40.480 Yeah, I know, but it's but you know what you said. 268 00:13:40.320 --> 00:13:44.879 It's a condo, you said, though, yes, sir, okay. 269 00:13:45.120 --> 00:13:48.159 So then pass forward to April of this year. They 270 00:13:48.240 --> 00:13:51.200 actually it had been having some roof problems and they 271 00:13:51.240 --> 00:13:53.360 had a roof claim on one of the units. 272 00:13:53.360 --> 00:13:55.559 There's like twenty units I know, and there's going to 273 00:13:55.559 --> 00:13:56.279 be an assessment. 274 00:13:56.960 --> 00:14:01.320 Yeah, so they if they pre star HOA to six 275 00:14:01.480 --> 00:14:04.000 fifty a month for a three bedrooms condot. 276 00:14:03.639 --> 00:14:06.320 Yeah, for sure, for sure, it's happening all over the 277 00:14:06.320 --> 00:14:09.720 country and especially here in Colorado. In fact, they can 278 00:14:09.759 --> 00:14:11.440 do it. They can do it one of two ways. 279 00:14:12.080 --> 00:14:15.120 If if they're if they have a roof claim and 280 00:14:15.159 --> 00:14:17.720 they went short in the coffers and they want to 281 00:14:17.720 --> 00:14:20.799 build them up, then they would increase the dues. If 282 00:14:20.840 --> 00:14:25.960 they're short in the coffers literally short, then they can 283 00:14:26.000 --> 00:14:30.159 sometimes do an assessment, which means a one time payment 284 00:14:30.200 --> 00:14:31.120 from each homeowner. 285 00:14:32.519 --> 00:14:34.919 And that's what they're actually considering doing. So not only 286 00:14:34.960 --> 00:14:38.639 did they increase our hoah four hundred months, but now 287 00:14:38.639 --> 00:14:43.120 they're asking for an approval for an unknown amount for 288 00:14:43.159 --> 00:14:45.399 a loan. We don't know what that number is. 289 00:14:45.720 --> 00:14:49.440 Well, and like we're confused, Chris, can I explain something 290 00:14:49.519 --> 00:14:52.240 to you? And this is the mindset I find confusing. 291 00:14:52.440 --> 00:14:54.720 And I'm not criticizing you, but I want to give 292 00:14:54.720 --> 00:14:56.519 you a dose of reality and I'll make you smarter. 293 00:14:56.639 --> 00:15:00.519 I promise you. You're talking about the hoas if it's an 294 00:15:00.639 --> 00:15:05.720 entity other than yourself you are, or your your wife 295 00:15:05.720 --> 00:15:10.240 and her sister. They are part of the ha. Okay 296 00:15:11.039 --> 00:15:16.000 ha might have a management company and of course short 297 00:15:16.120 --> 00:15:21.600 of crooked ha people or a management company which about 298 00:15:21.759 --> 00:15:24.399 ninety nine point nine percent of the time. They're not crooked, 299 00:15:24.679 --> 00:15:28.120 but everyone thinks they are. But what I'm saying is 300 00:15:28.200 --> 00:15:33.639 short of that, the HOAY simply has to keep a budget. 301 00:15:33.960 --> 00:15:39.000 Now here's what happens over the years. Sometimes ha's try 302 00:15:39.039 --> 00:15:43.480 to get increases in fees and everyone votes them down. 303 00:15:44.000 --> 00:15:47.960 But what people don't realize is when you turn down 304 00:15:48.600 --> 00:15:53.320 an increase in an HOA fee and expenses keep going up, 305 00:15:53.759 --> 00:15:59.519 you will eventually run out of money. Okay, you will 306 00:15:59.559 --> 00:16:03.799 eventually run out of money or run short of money. 307 00:16:04.080 --> 00:16:08.320 At that time, the HOA or management company have to 308 00:16:08.399 --> 00:16:12.080 make a decision what do we do. In some cases 309 00:16:12.440 --> 00:16:15.919 they raise the ha but that's not enough, so in 310 00:16:15.960 --> 00:16:18.879 other cases they have to get a loan or they 311 00:16:18.919 --> 00:16:23.240 have to get an assessment. Either way, it's something that 312 00:16:23.519 --> 00:16:27.759 everyone has to do. It is not them against you now. 313 00:16:27.919 --> 00:16:32.679 The only time it's them against you as owners is 314 00:16:32.879 --> 00:16:37.799 if they are lying and cheating period. Other than that, 315 00:16:38.440 --> 00:16:41.000 if they need a loan, they don't know how much 316 00:16:41.120 --> 00:16:43.600 they're being honest, they don't have to tell you how much. 317 00:16:43.799 --> 00:16:46.879 I mean, what difference does it make to you if 318 00:16:46.960 --> 00:16:49.960 the loan is two hundred thousand or five hundred thousand 319 00:16:50.320 --> 00:16:52.960 if they need it. If they need it, they need it. 320 00:16:52.960 --> 00:16:57.000 It's up to you as an owner to attend meetings 321 00:16:57.320 --> 00:17:00.639 and look at the books and be informed. It is 322 00:17:00.840 --> 00:17:05.680 not a situation where the HOA is apart from you. 323 00:17:06.279 --> 00:17:09.759 If that's the one thing people do not understand. They 324 00:17:09.799 --> 00:17:12.920 have every right to see why they need a loan. 325 00:17:13.440 --> 00:17:17.039 What is the analysis, what is the budget? What is 326 00:17:17.079 --> 00:17:20.400 the paperwork? They shouldn't lie to you, and or not 327 00:17:20.440 --> 00:17:22.880 lie to you. They shouldn't hide that from you. Now 328 00:17:22.920 --> 00:17:26.880 are there times that the HOA are taking kickbacks and 329 00:17:26.960 --> 00:17:30.960 payments and management companies are charging too much? That could be, 330 00:17:31.680 --> 00:17:36.000 but very seldom. The best way to take control of 331 00:17:36.039 --> 00:17:40.079 the situation is to get involved, get involved in the meetings, 332 00:17:40.559 --> 00:17:45.079 or get involved on the board. Does I know that 333 00:17:45.119 --> 00:17:49.119 sounds overly simplistic, But you don't have a problem with 334 00:17:49.240 --> 00:17:53.319 the HOA. There is no problem. The problem is with 335 00:17:53.759 --> 00:17:57.279 the problem is with insurance and the problem is with 336 00:17:57.720 --> 00:18:01.039 contractors and prices. That's the real problem. 337 00:18:01.079 --> 00:18:04.319 I don't know who to be mad at because because 338 00:18:04.519 --> 00:18:07.359 I feel like there's something going on with insurance. We 339 00:18:07.400 --> 00:18:09.799 had insurance, they're roof claim. We had a roof claim 340 00:18:10.319 --> 00:18:11.200 and they won't pay it. 341 00:18:11.359 --> 00:18:14.599 Let me put it, Let me put it into perspective. 342 00:18:15.119 --> 00:18:18.519 Let me put it into perspective. I'll tell you who 343 00:18:18.599 --> 00:18:22.960 to be mad at. No One, No one in Colorado. 344 00:18:24.039 --> 00:18:29.200 In Colorado right now, you have to be insane to 345 00:18:29.319 --> 00:18:32.759 own a condo or a town home right now. It's 346 00:18:32.799 --> 00:18:36.079 the worst time in history to own anything like that 347 00:18:36.400 --> 00:18:42.599 because you have no control over the situation. Insurance companies 348 00:18:42.640 --> 00:18:47.359 are refusing to cover them, or they're saying the deductible's 349 00:18:47.400 --> 00:18:50.599 going to be you know, like eighty percent or fifty percent, 350 00:18:51.039 --> 00:18:53.400 or sometimes they say we're not going to cover you 351 00:18:53.440 --> 00:18:56.160 at all. Do you know there are condo projects right 352 00:18:56.200 --> 00:19:00.359 now that have no insurance for the roof. None. If 353 00:19:00.359 --> 00:19:03.839 the roof goes out, everyone in the condo project will 354 00:19:03.880 --> 00:19:07.160 have to pay twenty grand. Twenty grand, I mean we're. 355 00:19:06.960 --> 00:19:10.319 Paying it anyways, like we're we're the insurance won't cover us, 356 00:19:10.319 --> 00:19:12.440 so we are liable for the roof because no one 357 00:19:12.480 --> 00:19:13.200 will cover us. 358 00:19:13.240 --> 00:19:17.200 Well, there, that's another issue. If the insurance isn't paying, 359 00:19:17.759 --> 00:19:22.200 you have to ask why why isn't the insurance pay 360 00:19:23.200 --> 00:19:26.119 I agree, I mean why? I mean you guys could 361 00:19:26.160 --> 00:19:30.880 hire a public adjuster and make the insurance pay if 362 00:19:31.359 --> 00:19:34.119 it's due what reason I see. I don't understand this. 363 00:19:34.400 --> 00:19:37.240 You guys had hail damage and the insurance company said 364 00:19:37.240 --> 00:19:38.200 we're not going to cover it. 365 00:19:39.000 --> 00:19:41.640 I don't even think it was pail damage. It's it's 366 00:19:41.720 --> 00:19:42.480 just deteriorating. 367 00:19:42.519 --> 00:19:46.359 And well, okay, guess what insurance doesn't. Insurance is not 368 00:19:46.400 --> 00:19:53.720 a warranty. Sure insurance only covers Listen carefully, a casualty 369 00:19:54.240 --> 00:19:58.680 event that's a plane crashing into it, or a weather 370 00:19:58.720 --> 00:20:02.640 related incident that or a satellite crashing into it. It 371 00:20:02.720 --> 00:20:06.759 is not deterioration. The worst thing that can happen to 372 00:20:06.799 --> 00:20:11.279 a condo project is deterioration. Wait until the parking lot 373 00:20:11.319 --> 00:20:14.200 needs to be repaved, that's not an insurance thing. Or 374 00:20:14.200 --> 00:20:16.720 the swimming pool has to be rebuilt, or the fencing 375 00:20:16.799 --> 00:20:19.240 has to be redone, or it has to be painted 376 00:20:19.279 --> 00:20:21.720 on the outside. See this is what I'm telling people. 377 00:20:21.920 --> 00:20:24.200 They think when they move to a condo they don't 378 00:20:24.200 --> 00:20:26.559 have to worry about maintenance. They have to worry about 379 00:20:26.599 --> 00:20:30.400 maintenance just as much as any homeowner does. They just 380 00:20:30.599 --> 00:20:33.839 think that this HA is some entity that needs to 381 00:20:33.880 --> 00:20:36.640 take care of them. So, really, I know you didn't 382 00:20:36.640 --> 00:20:39.160 call for this, but you're going to be smarter for it. Chris, 383 00:20:39.480 --> 00:20:41.839 you are a part of the HOA and a part 384 00:20:41.839 --> 00:20:44.039 of the management company, and you have to take the 385 00:20:44.079 --> 00:20:46.440 bull by the horns in order to find out what's 386 00:20:46.480 --> 00:20:49.000 being done and if it's being done efficiently, and if 387 00:20:49.000 --> 00:20:52.640 anyone's cheating. If no one's cheating, then you're all victims 388 00:20:52.759 --> 00:20:58.279 of everything of like roofs wear out, parking lots wear out. 389 00:20:58.720 --> 00:21:00.839 Life has a way of doing that. 390 00:21:01.640 --> 00:21:02.640 Hey, I have a question. 391 00:21:02.960 --> 00:21:06.519 Can he call up the president of the HA and say, 392 00:21:06.759 --> 00:21:09.400 just on a friendly bay, say hey, look what's going on, 393 00:21:09.720 --> 00:21:11.880 where's the money coming from? And see if you can 394 00:21:11.920 --> 00:21:13.079 get some answers that way. 395 00:21:13.480 --> 00:21:17.039 Well, anybody can try, But I mean, yeah, if I'm 396 00:21:17.079 --> 00:21:19.400 president of the HUA, I don't want to take phone 397 00:21:19.400 --> 00:21:22.079 calls from two hundred owners. Owners. You go to a 398 00:21:22.160 --> 00:21:25.599 meeting and or you make a formal request. The bylaws 399 00:21:25.880 --> 00:21:29.000 set out exactly how to see the books. The bylaws 400 00:21:29.000 --> 00:21:32.960 set out exactly what your rights are. Now again, I 401 00:21:33.000 --> 00:21:35.920 want everyone who has an HOA excuse me and a 402 00:21:35.960 --> 00:21:39.640 condo and a townhome to listen. I am not giving 403 00:21:39.680 --> 00:21:44.400 them an excuse to lie and cheat. If that's happening, 404 00:21:44.440 --> 00:21:48.519 that's a different story. Here's the problem. It mostly is 405 00:21:48.559 --> 00:21:54.640 not happening, and people are just pissed off that they 406 00:21:54.680 --> 00:22:02.279 have to pay the piper. Go with a sure thing 407 00:22:02.400 --> 00:22:05.680 Denver's Best roofer Excel Roofing dot com. You don't pay 408 00:22:05.720 --> 00:22:12.400 a cent until you're content. Time for an insurance checkup free, 409 00:22:12.480 --> 00:22:16.200 no obligation. In comparison, call Compass Insurance paying too much 410 00:22:16.319 --> 00:22:19.279 your coverage at dozens of insurance companies find out now 411 00:22:19.359 --> 00:22:21.640 three all three seven to seven to one. Help. You'll 412 00:22:21.640 --> 00:22:24.400 think you're his only customer when you choose Frank durand 413 00:22:24.400 --> 00:22:26.839 the real estate Man dot com to list your home 414 00:22:27.039 --> 00:22:30.200 with Remax Alliance three all three nine two zero sixteen 415 00:22:30.279 --> 00:22:40.400 twenty two. Hi Tom Martino here, you know, going into 416 00:22:40.480 --> 00:22:43.359 the new year, there are things I never want to 417 00:22:43.400 --> 00:22:49.400 hear again in my life. Ever, one is every day 418 00:22:49.440 --> 00:22:52.119 on the Today Show or other shows. I don't want 419 00:22:52.119 --> 00:22:54.680 to hear about Taylor Swift. I don't really care. I mean, 420 00:22:54.759 --> 00:22:58.480 she's a wonderful woman, she's got a great concert, very talented. 421 00:22:58.519 --> 00:22:59.839 I don't want to hear about her life. I don't 422 00:22:59.839 --> 00:23:02.680 care about her life. Can we can we agree on 423 00:23:02.720 --> 00:23:06.960 that one? She she outsold the Beatles well, she she didn't. 424 00:23:06.960 --> 00:23:09.359 But well, let's talk about dollars. Well, yeah, of course, 425 00:23:09.559 --> 00:23:13.480 now that's talk about let's talk about this. I don't 426 00:23:13.519 --> 00:23:18.079 want to hear about body shaming or fat shaming anymore. 427 00:23:18.119 --> 00:23:21.200 I don't want to hear about people boohooing about it. Okay, Now, 428 00:23:21.519 --> 00:23:23.799 I think you should never be mean to people. I 429 00:23:24.279 --> 00:23:26.799 totally agree you shouldn't be mean. There's no reason to 430 00:23:26.839 --> 00:23:30.920 be mean. But when you say to somebody, hey, bro, 431 00:23:31.759 --> 00:23:33.640 that's not good for your blood pressure. You know you're 432 00:23:33.680 --> 00:23:36.640 drinking coffee, you go, am I? Am I blood pressure 433 00:23:36.680 --> 00:23:41.400 shaming him? I'm not am I? Or Hey, you know 434 00:23:41.480 --> 00:23:45.400 that that uv A tanning or uv B or whatever 435 00:23:45.400 --> 00:23:47.319 the hell it is. That the one that's really really, 436 00:23:47.359 --> 00:23:50.079 really bad. You're doing it every other day. It's not 437 00:23:50.240 --> 00:23:54.559 healthy for you. Am I son tan shaming them? I'm not, Hey, 438 00:23:54.599 --> 00:23:57.839 that's not good for your eyes? Man, I'm I shaming you. 439 00:23:58.559 --> 00:24:03.440 You're fat. I'm not body shaming you. It's obesity. It's bad. 440 00:24:03.759 --> 00:24:10.799 There is not one study in the entire universe that says, oh, 441 00:24:11.000 --> 00:24:16.200 it's okay, now, some obesity. I'm thinking, you know other 442 00:24:16.200 --> 00:24:19.599 people's business some obesity. You're right, But if you know 443 00:24:19.720 --> 00:24:23.559 someone Hey, By the way, some obesity people can't really 444 00:24:23.640 --> 00:24:27.079 help it is. It is metabolic and maybe some different issues. 445 00:24:28.079 --> 00:24:31.599 Most obesity is non most is non so. So I 446 00:24:31.640 --> 00:24:35.680 don't think the shaming. Why have we come to a 447 00:24:35.799 --> 00:24:41.240 point in America where we can't even everything is wrong 448 00:24:41.799 --> 00:24:45.720 because of the left. That's very easy. Everything is wrong. 449 00:24:45.960 --> 00:24:48.680 It's the woke, it's the DEI, it's all that real. 450 00:24:48.759 --> 00:24:52.960 Three seven one three talk seven one three eight two 451 00:24:53.119 --> 00:24:56.119 five five. All right, let's go back to the phones, 452 00:24:57.160 --> 00:25:00.400 and I'm going to talk to uh. Okay, now, who 453 00:25:00.480 --> 00:25:00.880 do we have? 454 00:25:01.000 --> 00:25:01.480 Garrett? 455 00:25:01.519 --> 00:25:04.519 Good? We have Garrett at eight eight eight heating dot com. 456 00:25:04.920 --> 00:25:07.119 Love Garrett. Hey, Garrett, how you doing man? 457 00:25:08.200 --> 00:25:10.079 Hey, Tomy Martinez doing good? 458 00:25:10.480 --> 00:25:16.440 Hey? We had And again I don't control pricing. I 459 00:25:16.480 --> 00:25:20.759 think fair prices, good prices, even expensive at times. Look, 460 00:25:20.839 --> 00:25:23.319 I don't care about pricing so much. I just want 461 00:25:23.359 --> 00:25:26.519 to give this guy a gauge. It was another company 462 00:25:26.640 --> 00:25:31.000 unrelated to you guys, and that he had a couple 463 00:25:31.119 --> 00:25:34.519 things done. A pressure switch which I don't know what 464 00:25:34.519 --> 00:25:37.359 that is, but it's a pressure switch that regulates when 465 00:25:37.400 --> 00:25:41.240 to turn on and off the the exhaust airfan inducer. 466 00:25:41.480 --> 00:25:43.759 Yeah, yeah, that's just a vacuum switch. 467 00:25:43.960 --> 00:25:47.759 Okay, so ye had the vacuum switch changed, and he 468 00:25:47.880 --> 00:25:51.200 had the exhaust airfan inducer, that little fan, not the 469 00:25:51.200 --> 00:25:55.160 big blower motor. But okay, he had them replaced. Oh yeah, okay, 470 00:25:55.319 --> 00:25:58.160 So what would be now? I don't want to go 471 00:25:58.759 --> 00:26:00.720 I just want to find out that. By the way, 472 00:26:01.000 --> 00:26:04.720 as it turned out, the supply house or or excuse me, 473 00:26:04.799 --> 00:26:07.640 another vendor told them there was nothing wrong with that 474 00:26:07.720 --> 00:26:11.279 motor at all. But that's neither here nor there, not 475 00:26:11.319 --> 00:26:14.680 for you. But can you explain what would it cost 476 00:26:15.599 --> 00:26:18.920 around in the market. I'm not talking about you necessarily today, 477 00:26:18.920 --> 00:26:22.039 but in your knowledge, what what is a fair price? 478 00:26:22.079 --> 00:26:23.519 Where a normal price for that? 479 00:26:25.039 --> 00:26:27.000 Well, there's a there's a lot of factors into that. 480 00:26:27.079 --> 00:26:31.839 There's high efficiency, standard efficiency, you know, modulating motors all 481 00:26:31.880 --> 00:26:33.519 the way down to a single stage markers. 482 00:26:33.279 --> 00:26:35.079 So there's a lot of wait, wait, so that would 483 00:26:35.200 --> 00:26:38.759 change That would change the inducer, I mean that fan. 484 00:26:40.160 --> 00:26:41.799 Yeah, that would change price substantially. 485 00:26:42.039 --> 00:26:44.799 Okay. I want to ask Gary. Let's ask Gary, Gary, 486 00:26:44.839 --> 00:26:46.880 what kind of furnace. What kind of furnace are we 487 00:26:46.960 --> 00:26:47.440 talking about? 488 00:26:49.119 --> 00:26:52.319 They're talking about a good one, I guess. 489 00:26:52.039 --> 00:26:54.440 And is it a high efficiency or regular. Do you 490 00:26:54.480 --> 00:26:57.119 know how old is? It's about eight years old? 491 00:27:00.039 --> 00:27:02.559 Okay? Do you know if it's a high efficiency furnace 492 00:27:02.640 --> 00:27:09.000 or a standard just regular? Just a regular, not a 493 00:27:09.039 --> 00:27:12.720 high efficiency, No, just a regular one. Okay. Yeah, you 494 00:27:12.759 --> 00:27:14.680 know the company pricing is all all the time and 495 00:27:14.680 --> 00:27:16.880 it really just depends on it really does depend on 496 00:27:16.920 --> 00:27:20.359 the company. But you know, what you have paid for 497 00:27:20.400 --> 00:27:24.039 that is down in the Colorad Springs market may be fair, 498 00:27:24.519 --> 00:27:27.440 but I would say that our pricing is definitely for 499 00:27:27.519 --> 00:27:30.160 a standard swap out. If you're talking very standard, that 500 00:27:31.240 --> 00:27:33.119 ours is definitely lower than that. 501 00:27:33.599 --> 00:27:37.480 Okay. In the Denver market, what would be would you 502 00:27:37.519 --> 00:27:40.200 think an average price for that vacuum switch? 503 00:27:40.240 --> 00:27:40.680 Average? 504 00:27:40.759 --> 00:27:44.039 And I would say vacuum switches fans and if they're 505 00:27:44.079 --> 00:27:45.880 doing all the checks and balances to make sure the 506 00:27:45.920 --> 00:27:47.759 system's safe after that instead of just you want to 507 00:27:47.799 --> 00:27:49.960 be in a park swapper. You always want to give 508 00:27:50.000 --> 00:27:51.519 a good service with you. You know, you don't want 509 00:27:51.519 --> 00:27:53.559 to if your cardinal and the canic and have them 510 00:27:53.640 --> 00:27:55.720 change attire and I'll not tell you the brakes you're bad, right, 511 00:27:55.759 --> 00:27:58.759 So yeah, you know, if you have the whole service done, 512 00:27:58.920 --> 00:28:01.240 you know, I would say Ridge fare pricing, which I 513 00:28:01.240 --> 00:28:02.680 hate to do because it's such a big gage. 514 00:28:02.720 --> 00:28:07.720 But so okay, okay, and see and thank you. 515 00:28:07.839 --> 00:28:08.039 Gary. 516 00:28:08.400 --> 00:28:10.640 I knew you would be us, be straight with us 517 00:28:10.680 --> 00:28:14.039 in general. And he's a great guy. And of course, 518 00:28:14.079 --> 00:28:16.119 don't forget they do that deep clean for forty five 519 00:28:16.160 --> 00:28:18.759 bucks and they have the best prices on high efficiency units. 520 00:28:18.799 --> 00:28:22.920 By the way, everyone should go high efficiency to these days. Now, Gary, 521 00:28:23.799 --> 00:28:27.079 here's the thing. Not only were you charged double of 522 00:28:27.119 --> 00:28:30.160 what the Denver market is, not that that's against the law, 523 00:28:30.319 --> 00:28:32.559 but you didn't even need the motor. So we're gonna 524 00:28:32.599 --> 00:28:34.920 give this I was gonna give it to Deputy Doc. 525 00:28:35.559 --> 00:28:39.000 But as he aptly pointed out, Deputy Bow used to 526 00:28:39.039 --> 00:28:41.279 be in this business. We're gonna give it to Bow 527 00:28:41.359 --> 00:28:42.759 to work on with this company. 528 00:28:43.680 --> 00:28:47.200 Okay, all right, that's so anything I can do to 529 00:28:47.200 --> 00:28:48.039 play it, you'll. 530 00:28:47.839 --> 00:28:51.640 Be hearing from him, Deputy Bow. I'm Tom Martine three 531 00:28:51.759 --> 00:28:55.359 zero three seven to one three talk seven one three 532 00:28:55.480 --> 00:28:59.880 eight two five five Frank durandereal Estateman dot com. We'll 533 00:29:00.119 --> 00:29:03.720 tell you what that house can sell for without going 534 00:29:03.720 --> 00:29:08.200 through a whole listing, no obligation. You're wondering what the 535 00:29:08.240 --> 00:29:10.839 hell's going on? Is my house gonna sell for a lot? 536 00:29:12.000 --> 00:29:14.319 Am I gonna make a lot of money? A little money? 537 00:29:14.400 --> 00:29:18.160 He'll just do it all. A complete analysis, free of charge, complimentary. 538 00:29:18.200 --> 00:29:21.480 Frank Duran, the real Estateman dot com one of the 539 00:29:21.519 --> 00:29:23.799 finest people I know three oh three nine two zero 540 00:29:24.000 --> 00:29:32.400 sixteen twenty two. Go with a sure thing Denver's best 541 00:29:32.440 --> 00:29:35.319 roofer Excel Roofing dot com. You don't pay a cent 542 00:29:35.519 --> 00:29:41.680 until you're contents. Time for an insurance check up free, 543 00:29:41.680 --> 00:29:45.720 no obligation comparison call Compass Insurance Paying too much your 544 00:29:45.759 --> 00:29:48.680 coverage at dozens of insurance companies find out now three 545 00:29:48.759 --> 00:29:51.039 oh three seven to seven to one help. You'll think 546 00:29:51.079 --> 00:29:53.680 you're his only customer when you choose Frank durand the 547 00:29:53.680 --> 00:29:56.359 real estate Man dot com to list your home with 548 00:29:56.480 --> 00:29:59.960 Remax Alliance three oh three nine two zero sixteen twenty two. 549 00:30:05.759 --> 00:30:08.519 Hey Tom Martino here three oh three seven one three 550 00:30:08.559 --> 00:30:12.039 talks seven one three eight two five five Back to 551 00:30:12.079 --> 00:30:15.720 the phones, and Uh, Mike wants to talk about a 552 00:30:15.720 --> 00:30:21.839 cracked windshield. Mike, what's happening? Man? Oh, there's me? Hold on, 553 00:30:22.160 --> 00:30:24.240 I don't even say it, don't even say it. There 554 00:30:24.279 --> 00:30:26.599 it's Okay, that's the button. Go ahead, Mike. 555 00:30:27.079 --> 00:30:27.319 I can. 556 00:30:28.000 --> 00:30:29.799 I could explain it to everyone, but I'm not going 557 00:30:29.799 --> 00:30:31.480 to go ahead, Mike. What's happening, man. 558 00:30:31.920 --> 00:30:34.480 Well, we we rented a little mini van in order 559 00:30:34.519 --> 00:30:37.200 to take some house guests around showing the state a 560 00:30:37.240 --> 00:30:40.160 little bit. And on the way back from the trip, 561 00:30:40.400 --> 00:30:43.359 we saw we had a crack in the windshield. We 562 00:30:43.480 --> 00:30:46.759 had paid for the rental with a credit card which 563 00:30:48.079 --> 00:30:54.960 has the the collision damage waiver, and in other words. 564 00:30:54.720 --> 00:30:57.880 They will they will pay up to the collision for 565 00:30:58.359 --> 00:31:02.200 up to the before you on the rental. Right, what 566 00:31:03.000 --> 00:31:04.839 card do you have? Capital one or which one? 567 00:31:05.799 --> 00:31:07.839 It's a Fidelity Visa. 568 00:31:07.680 --> 00:31:10.480 Card and it does have rental car coverage, is what 569 00:31:10.519 --> 00:31:11.799 you're saying it does. 570 00:31:11.960 --> 00:31:15.480 Okay, it's not as the primary coverage since we are 571 00:31:15.559 --> 00:31:19.480 our own automobile policy, right, the card will pay anything 572 00:31:19.519 --> 00:31:21.960 that the automobile policy doesn't cover. 573 00:31:22.160 --> 00:31:24.359 I don't even understand that part of it because I 574 00:31:24.400 --> 00:31:27.359 felt like that makes no sense. Yeah, none at all, 575 00:31:27.680 --> 00:31:31.920 because if you have an automobile policy, if you do 576 00:31:32.000 --> 00:31:35.799 the waiver, you shouldn't have anyway, it makes no sense. 577 00:31:35.880 --> 00:31:37.319 Keep going with your story. 578 00:31:37.279 --> 00:31:40.720 Okay, Well, I just need your advice. Yes, we haven't. 579 00:31:41.119 --> 00:31:44.640 We don't need to return the thing until Saturday. And 580 00:31:46.200 --> 00:31:50.039 well I haven't contacted either the rental car company or 581 00:31:50.160 --> 00:31:55.279 my automobile insurance company. Now what would be your advice 582 00:31:55.279 --> 00:31:56.000 should I go ahead? 583 00:31:56.599 --> 00:31:58.440 What was the name of that credit card? I want 584 00:31:58.480 --> 00:31:59.200 to hear that again. 585 00:32:00.039 --> 00:32:06.440 Well, it's the Fidelity, which is that, you know, investment company, 586 00:32:06.559 --> 00:32:07.559 Fidelity Visa? 587 00:32:07.640 --> 00:32:08.480 What is it? 588 00:32:08.480 --> 00:32:09.440 It's a visa card? 589 00:32:09.480 --> 00:32:14.519 Yeah, okay, yeah, Now listen, I need to know if 590 00:32:14.519 --> 00:32:17.720 you have glass coverage on your car. You are your 591 00:32:17.720 --> 00:32:18.640 primary insurance. 592 00:32:19.480 --> 00:32:22.480 Yes, we have a full glass coverage on our truck. 593 00:32:22.599 --> 00:32:26.359 Yes, okay, and that's the one that you Uh okay, 594 00:32:26.400 --> 00:32:28.680 So that should cover you on the rental, is the 595 00:32:28.720 --> 00:32:29.039 answer I. 596 00:32:29.039 --> 00:32:30.559 Would think, So, well it does. 597 00:32:31.079 --> 00:32:33.799 Yeah, if you have that coverage, it'll cover you. I 598 00:32:33.839 --> 00:32:35.920 can get Compass on, but they'll tell us the same thing. 599 00:32:36.400 --> 00:32:36.720 Mm hm. 600 00:32:37.160 --> 00:32:40.359 So you you call your insurance company and here's what 601 00:32:40.400 --> 00:32:42.079 they usually want to do. Because I went through the 602 00:32:42.079 --> 00:32:45.319 same exact thing, the same exact thing, a rental, I 603 00:32:45.359 --> 00:32:49.599 have zero deductible glass coverage. Brian Burns a Compass insurance 604 00:32:49.599 --> 00:32:52.200 group where you call for your insurance check up three 605 00:32:52.319 --> 00:32:54.960 three nine nine six, nine thousand. I called him and 606 00:32:55.000 --> 00:32:56.680 I said, Brian, what do I do? He says, Well, 607 00:32:57.359 --> 00:33:00.400 with another person's car, it's different than you going to 608 00:33:00.440 --> 00:33:03.400 get it done. When you have a rental car, you 609 00:33:03.440 --> 00:33:05.960 have them get it fixed and then send you the 610 00:33:06.000 --> 00:33:07.480 bill and your insurance pays it. 611 00:33:08.279 --> 00:33:11.160 You know, he's got that coverage on that credit card, man, 612 00:33:11.519 --> 00:33:13.920 So just call I got the eight hundred number here, 613 00:33:13.960 --> 00:33:16.440 call up the credit card claims and they're going to 614 00:33:16.480 --> 00:33:16.839 cover it. 615 00:33:16.880 --> 00:33:19.559 I mean, if you want to go through your glass coverage, fine, yeah. 616 00:33:19.680 --> 00:33:21.880 I want to ask you something, though, Mark, when you 617 00:33:21.960 --> 00:33:25.759 have both, can the rental car, can the credit card 618 00:33:25.799 --> 00:33:28.440 say we only back you up beyond your own insurance? 619 00:33:28.559 --> 00:33:30.880 Or in other words, can you choose which one you 620 00:33:30.960 --> 00:33:31.519 want to use? 621 00:33:31.920 --> 00:33:32.119 Yeah? 622 00:33:32.160 --> 00:33:35.319 Of course in this circumstance, because he used that credit card, 623 00:33:35.400 --> 00:33:38.440 he's covered up to seventy five thousand dollars for damage 624 00:33:38.480 --> 00:33:40.279 to the vehicle in theft. 625 00:33:40.319 --> 00:33:43.720 It doesn't have anything to do with liability, of course. Okay, 626 00:33:45.200 --> 00:33:47.880 so maybe you do that man. 627 00:33:48.440 --> 00:33:52.039 Yeah, that whole set you just somehow you read something incorrectly. 628 00:33:52.559 --> 00:33:56.200 It's not a secondary coverage, it's it's primary when it 629 00:33:56.200 --> 00:33:58.039 comes to damage to the vehicle. 630 00:33:59.079 --> 00:34:01.799 Hey, Mark, what is uh what if premiums go up 631 00:34:01.839 --> 00:34:04.079 if he just makes a uh windshield claim? 632 00:34:04.200 --> 00:34:06.440 Of course not No, they shouldn't. All they shouldn't. But 633 00:34:06.640 --> 00:34:07.799 those are not chargeable. 634 00:34:07.839 --> 00:34:11.519 But hold on, like Safeco who I have. It's only 635 00:34:11.559 --> 00:34:15.280 a certain amount of windshields per year, so it could affect. 636 00:34:15.000 --> 00:34:17.039 Him down the road if one of his own cars 637 00:34:17.079 --> 00:34:20.840 needs one. You have a certain number of windshields a year, right, 638 00:34:20.840 --> 00:34:22.679 I guarantee you do too, tyw, I know. 639 00:34:22.760 --> 00:34:24.400 No, he's just better off calling up visa. 640 00:34:25.400 --> 00:34:28.079 Well, yeah, because that's what the card's for. But you 641 00:34:28.079 --> 00:34:30.400 you reserved and paid for it with that. 642 00:34:30.480 --> 00:34:34.320 Visa, right I did? Yeah, so you're covered with them. Man, 643 00:34:34.519 --> 00:34:35.159 here's the number. 644 00:34:35.199 --> 00:34:39.960 It's one eight hundred five four six ninety eight oh 645 00:34:40.000 --> 00:34:43.719 six eight hundred and five four six ninety eight oh six. 646 00:34:44.039 --> 00:34:46.960 And that's where you make a claim for the fidelity 647 00:34:47.159 --> 00:34:48.400 visa coverage. 648 00:34:49.679 --> 00:34:52.639 Okay, that's that's not what my literature says. But you 649 00:34:52.679 --> 00:34:54.280 may be seeing something new. 650 00:34:54.320 --> 00:34:56.320 What what does your literature say? 651 00:34:56.760 --> 00:34:59.199 Well, I don't want to waste your time, but well. 652 00:34:59.159 --> 00:35:01.679 Just in your in general, what does it say. 653 00:35:01.800 --> 00:35:06.400 It says that the coverage that the card provides if 654 00:35:06.440 --> 00:35:10.039 I have my own insurance. Then the card is only 655 00:35:10.159 --> 00:35:12.960 secondary to cover something like the if you. 656 00:35:13.000 --> 00:35:14.360 Buy I see what he's saying. 657 00:35:14.440 --> 00:35:17.760 That's only if you buy the rental cars coverage of insurance, 658 00:35:17.800 --> 00:35:18.840 which you did it right? 659 00:35:19.920 --> 00:35:21.079 No he didn't, he tell me. 660 00:35:21.199 --> 00:35:24.239 Way forget Just call that number. They'll handle it. Bro 661 00:35:24.800 --> 00:35:27.400 Thank you, Mark, and thank you for calling. 662 00:35:27.480 --> 00:35:29.199 Let us know, Mike if you need anything else. I'm 663 00:35:29.239 --> 00:35:31.599 Tom Martino. Hey, we got on from Kevin here. We've 664 00:35:31.639 --> 00:35:35.039 taken car calls and all of your problems, questions and 665 00:35:35.079 --> 00:35:39.440 complaints coming up. I'm the troubleshooter show go with a 666 00:35:39.480 --> 00:35:43.039 sure thing Denver's best roofer Excel Roofing dot com. You 667 00:35:43.079 --> 00:35:48.840 don't pay a cent until you're content. Time for an 668 00:35:48.840 --> 00:35:52.480 insurance check up free, no obligation. In comparison, call Compass 669 00:35:52.519 --> 00:35:55.800 Insurance paying too much your coverage at dozens of insurance 670 00:35:55.840 --> 00:35:58.360 companies find out now three oh three seven seven to 671 00:35:58.400 --> 00:36:01.199 one help. You'll think you're his only customer when you 672 00:36:01.239 --> 00:36:03.719 choose Frank durand the real estate Man dot com to 673 00:36:03.800 --> 00:36:06.960 list your home with Remax Alliance three oh three nine 674 00:36:07.000 --> 00:36:16.239 two zero sixteen twenty two. 675 00:36:14.519 --> 00:36:23.079 Ripped news need so you don't have come running just 676 00:36:23.239 --> 00:36:27.679 as as we can. Shooter's gonna help come. 677 00:36:29.199 --> 00:36:34.239 This is the Troubleshooter Show. Now, Tom Martino, Hello. 678 00:36:34.199 --> 00:36:38.159 Tom Martino here, solving problems, answering questions, taking complaints, Marks 679 00:36:38.679 --> 00:36:41.159 on remote and then we have Deputy Dog here, we 680 00:36:41.159 --> 00:36:44.920 have Uncle Kevin Sheridan auto tech. Uncle Kevin. Somebody wants 681 00:36:44.920 --> 00:36:48.079 to know how often do they have to do their 682 00:36:48.119 --> 00:36:51.079 flushing of a coolant system? 683 00:36:51.760 --> 00:36:54.920 Typically every two years? Okay, depending on us and everything, 684 00:36:54.960 --> 00:36:56.599 but yeah, two years is standard. 685 00:36:57.119 --> 00:37:01.039 Okay, two years is standard for that. And uh what 686 00:37:01.239 --> 00:37:06.400 about when just maintaining there's nothing else to do? You 687 00:37:06.519 --> 00:37:07.400 just keep the level? 688 00:37:07.960 --> 00:37:08.119 Right? 689 00:37:08.679 --> 00:37:11.519 Yeah? Okay, yeah, so they're good long life any freezes, 690 00:37:11.559 --> 00:37:13.639 but yeah, two years, three years at the most. 691 00:37:13.840 --> 00:37:16.519 All right, three all three seven one three talk seven 692 00:37:16.559 --> 00:37:18.920 one three eight two five five Back to the phones. 693 00:37:19.000 --> 00:37:21.880 Darryl has a question on a loan for his property 694 00:37:22.159 --> 00:37:24.639 or for a property. Hey, hey, Daryl, what's going on? 695 00:37:25.840 --> 00:37:26.039 Oh? 696 00:37:26.199 --> 00:37:33.920 Cut, shut up, Mark, I'm gonna Darryl, what's that I'm 697 00:37:34.000 --> 00:37:36.199 doing better than Joe Biden? What's going on with you? Bro? 698 00:37:37.239 --> 00:37:41.559 Well, that's uh, that's okay, what's happening? 699 00:37:41.639 --> 00:37:42.000 Okay? 700 00:37:42.119 --> 00:37:46.519 So I think it's called a bridge loan, but. 701 00:37:47.320 --> 00:37:49.599 It's a bridge loan. Is a bridge loan is when 702 00:37:49.599 --> 00:37:52.440 you're you own a home, you're selling and you're buying 703 00:37:52.480 --> 00:37:54.239 a new one and you need something in between. 704 00:37:55.239 --> 00:37:57.639 Yeah, so kind of kind of like that. So I 705 00:37:57.679 --> 00:38:01.559 got a piece of property that under contact that closes 706 00:38:01.719 --> 00:38:02.280 in March. 707 00:38:02.599 --> 00:38:05.000 When you say a piece of property, you're talking about land. 708 00:38:06.000 --> 00:38:11.360 Yeah, okay, And and what what I'm what I'm looking. 709 00:38:11.079 --> 00:38:18.159 For is is to get a loan against the property 710 00:38:19.320 --> 00:38:22.000 before it closes and then pay it off at closing. 711 00:38:23.440 --> 00:38:25.760 Wait wait, wait, wait, why why do you need it 712 00:38:25.840 --> 00:38:28.559 before closing? Usually you pay at closing. 713 00:38:30.440 --> 00:38:33.000 No, no, no, no, I just I just need some 714 00:38:33.159 --> 00:38:34.800 money between now and closing. 715 00:38:35.079 --> 00:38:38.599 I understand that. I'm just asking not to be nosy, 716 00:38:38.679 --> 00:38:41.320 But for the reason, what do you need the money 717 00:38:41.360 --> 00:38:42.880 for before closing? 718 00:38:43.920 --> 00:38:48.360 Oh okay, I see what you're saying. Yeah, just for 719 00:38:48.679 --> 00:38:49.719 business expenses. 720 00:38:49.960 --> 00:38:51.800 Okay. It has nothing to do with the land. 721 00:38:52.760 --> 00:38:54.599 No, no, And the land is pretty and clear. 722 00:38:54.920 --> 00:38:57.920 Okay, then why did you even mention it? In other words, 723 00:38:57.960 --> 00:39:01.199 I was just confused. What you need is a loan period. 724 00:39:01.400 --> 00:39:03.760 Yeah, like the line of credit, yeah, or something like that, And. 725 00:39:03.760 --> 00:39:05.320 It has nothing to do with the land. You just 726 00:39:05.400 --> 00:39:07.000 need a loan. 727 00:39:09.320 --> 00:39:11.360 Well, but the reason why I brought the land up 728 00:39:11.440 --> 00:39:14.119 is because that would be I mean, I don't, I 729 00:39:14.119 --> 00:39:17.119 don't you know. Obviously that would be the collateral, right. 730 00:39:17.280 --> 00:39:19.559 Not if you don't own it. It would only be 731 00:39:19.679 --> 00:39:21.000 collateral when you own it. 732 00:39:22.480 --> 00:39:22.960 I own it. 733 00:39:23.639 --> 00:39:27.119 You said you close in March. Wait? Wait, are you 734 00:39:27.199 --> 00:39:28.760 buying or selling this property? 735 00:39:29.599 --> 00:39:29.920 Selling? 736 00:39:30.239 --> 00:39:33.159 Now? I understand. I'm so sorry, bro, I'm so sorry. Now, 737 00:39:33.920 --> 00:39:36.800 so you're selling. I just assume you're buying it. So 738 00:39:37.400 --> 00:39:40.400 you are selling your land. You have a contract on it, 739 00:39:40.840 --> 00:39:43.599 and you will get paid in March, and you need 740 00:39:43.639 --> 00:39:46.760 something to hold you over. I get it. Now. How 741 00:39:46.840 --> 00:39:48.280 sure is that closing? 742 00:39:51.679 --> 00:39:52.199 What do you mean? 743 00:39:52.920 --> 00:39:55.719 Well, how sure is the closing? If I wanted to 744 00:39:55.800 --> 00:39:56.480 loan your money? 745 00:39:56.559 --> 00:40:00.960 You said, yeah, it's it's it's it's like anything, right, 746 00:40:01.039 --> 00:40:01.960 It's not one hundred percent? 747 00:40:02.000 --> 00:40:03.599 Okay, all right? 748 00:40:03.920 --> 00:40:06.000 And what are the terms? When you close it? You're 749 00:40:06.039 --> 00:40:08.920 going to get cash cash? And how much are you 750 00:40:09.079 --> 00:40:09.760 selling it for? 751 00:40:11.159 --> 00:40:11.719 Ten million? 752 00:40:12.760 --> 00:40:17.800 What for ten million? What the hell kind of land 753 00:40:17.800 --> 00:40:20.440 do you have? Well? 754 00:40:20.519 --> 00:40:22.400 You know what land is, Tom, well, I. 755 00:40:22.480 --> 00:40:24.920 Do, but to be ten million, I'm just curious what? 756 00:40:25.079 --> 00:40:27.400 What where is where. 757 00:40:27.239 --> 00:40:28.960 You've done it, You've been there, You've done it. 758 00:40:29.039 --> 00:40:32.039 Yes, I have both the good and the bad and 759 00:40:32.079 --> 00:40:34.239 the ugly. But I want to ask you seriously, where 760 00:40:34.280 --> 00:40:35.400 is it? No no falling around? 761 00:40:35.400 --> 00:40:36.840 Where is it Well County? 762 00:40:36.880 --> 00:40:40.320 It's in well County, Well County. I don't think all 763 00:40:40.360 --> 00:40:43.440 of Weald Counties worth ten million? But okay, what kind 764 00:40:43.480 --> 00:40:46.880 of was waiting for that? Is it commercial? Is it residential? 765 00:40:46.920 --> 00:40:49.360 What is it residential? 766 00:40:49.599 --> 00:40:50.880 How much? How many acres? 767 00:40:53.559 --> 00:40:53.880 Seventy? 768 00:40:54.239 --> 00:40:59.239 Okay? And who's buying it? Developer? Okay? All right? And 769 00:40:59.360 --> 00:41:02.159 so did you get any earnest money? I'm trying. Here's 770 00:41:02.199 --> 00:41:05.559 why I'm asking, because the strength of that is going 771 00:41:05.599 --> 00:41:09.119 to be the strength of you getting alone. But you're saying, 772 00:41:09.639 --> 00:41:13.519 you're saying that even if you don't close, the land 773 00:41:14.000 --> 00:41:17.360 is your collateral. So would you allow someone right now 774 00:41:17.400 --> 00:41:19.559 then to put a first deed of trust on that land? 775 00:41:21.960 --> 00:41:23.960 Well, that's probably what it's going to take, right. 776 00:41:23.880 --> 00:41:26.199 I think it's going to take it. Yeah, But when 777 00:41:26.239 --> 00:41:28.199 you said line of credit and stuff, I thought you 778 00:41:28.199 --> 00:41:30.960 were talking unsecured. But okay, so you have two hundred 779 00:41:30.960 --> 00:41:35.519 and seventy acres and you truly okay, So two hundred 780 00:41:35.519 --> 00:41:37.239 and seventy acres. And what I want to know is this, 781 00:41:38.280 --> 00:41:39.760 how much do you have to borrow. 782 00:41:41.199 --> 00:41:41.719 A million? 783 00:41:43.000 --> 00:41:45.679 So with two? Now, that to me sounds like an 784 00:41:45.719 --> 00:41:51.159 o brainer because, first of all, I doubt, I doubt, well, 785 00:41:51.239 --> 00:41:53.639 I don't know. I don't know in Well County, if 786 00:41:53.639 --> 00:41:57.639 it was prime residential land you're talking you're talking a 787 00:41:57.760 --> 00:42:01.719 value of thirty seven thousand per lot. I'm not sure 788 00:42:01.800 --> 00:42:06.760 or per excuse me, per acre. I'm not sure it's 789 00:42:06.800 --> 00:42:08.679 worth that. Maybe it is. I don't know. I don't 790 00:42:08.719 --> 00:42:11.400 know anything about Well County. But what But the other 791 00:42:11.440 --> 00:42:14.079 thing you're talking makes more sense. You're looking for a 792 00:42:14.159 --> 00:42:19.239 million dollars hold on divided by two seventy. So let's see. 793 00:42:19.679 --> 00:42:22.559 So you're asking for thirty seven hundred dollars an acre 794 00:42:23.239 --> 00:42:28.760 for a loan, and I don't know. We let's put 795 00:42:28.800 --> 00:42:30.239 it out there, man, somebody. 796 00:42:30.559 --> 00:42:32.639 Origination see I want it? Yeah? 797 00:42:32.840 --> 00:42:36.199 And so what you know? And then and like I said, 798 00:42:36.199 --> 00:42:41.639 I've never done this before. But basically, then when at closing, look, 799 00:42:41.800 --> 00:42:43.320 then I investor. 800 00:42:43.079 --> 00:42:45.840 All kinds of things, including loans. And what Mark was 801 00:42:45.880 --> 00:42:49.280 talking about when he said ten percent origination fee might 802 00:42:49.320 --> 00:42:51.280 be a little high, but people are gonna want points 803 00:42:51.360 --> 00:42:53.840 up front. It's not high right now, there's no way 804 00:42:53.920 --> 00:42:56.840 for something like that. And for land and points they're 805 00:42:56.840 --> 00:43:00.840 gonna want at least I think sick. They won't go 806 00:43:00.920 --> 00:43:06.320 beyond sixty percent loan to value. So do you have 807 00:43:06.360 --> 00:43:10.920 an appraisal of the two seventy. 808 00:43:10.440 --> 00:43:10.920 I don't have. 809 00:43:11.079 --> 00:43:13.199 I don't have an appraisal. No, but I'm assuming the 810 00:43:13.280 --> 00:43:14.960 developer did or he wouldn't offer that. 811 00:43:15.199 --> 00:43:17.880 Well, that's not true at all, but sometimes they do 812 00:43:17.920 --> 00:43:19.599 it because they have a hunch. I want to ask 813 00:43:19.679 --> 00:43:21.360 you something. Do you have adjacent property? 814 00:43:22.800 --> 00:43:23.159 Yes? 815 00:43:23.960 --> 00:43:27.960 Okay? And I mean adjacent property you don't own. 816 00:43:30.079 --> 00:43:33.280 There's adjacent property I don't own, and there's adjacent property 817 00:43:33.320 --> 00:43:33.960 that I do own. 818 00:43:34.079 --> 00:43:37.039 Now, the adjacent how did you acquire all this land 819 00:43:37.119 --> 00:43:38.760 out of curiosity? Were you a farmer or what? 820 00:43:39.800 --> 00:43:40.159 Yes? 821 00:43:40.800 --> 00:43:45.840 Okay, and you're you're selling the farm one of them, okay, 822 00:43:46.320 --> 00:43:48.280 and then you know that. 823 00:43:48.480 --> 00:43:51.239 I think the bottom line, though, is if the collateral's there, 824 00:43:51.280 --> 00:43:54.519 whether it's his home, residence, the land all combined, it's 825 00:43:54.519 --> 00:43:55.320 gonna it's there. 826 00:43:55.480 --> 00:43:59.440 I mean it's a ten percent deal, ten percent interest. 827 00:43:59.480 --> 00:44:03.119 You're saying no, I'm saying a ten percent origination and 828 00:44:03.159 --> 00:44:05.519 then like closing ninety days or. 829 00:44:05.480 --> 00:44:10.559 Else ten percent origination. Say you're saying, you're saying one 830 00:44:10.639 --> 00:44:11.360 hundred thousand. 831 00:44:12.679 --> 00:44:15.960 Yeah, I'm not sure of that. I'm not sure. I'm 832 00:44:16.400 --> 00:44:20.039 not disputing it. I'm saying I'm not sure because like, 833 00:44:20.159 --> 00:44:23.679 let's get Brent Ivanson or someone on. Okay, but he 834 00:44:23.719 --> 00:44:26.159 doesn't do he doesn't know private loans, I don't think, 835 00:44:26.199 --> 00:44:29.760 but we can ask him. You're right. And here's the thing, Darryl, 836 00:44:30.119 --> 00:44:33.639 I have done. I have literally done private loans. In fact, 837 00:44:33.760 --> 00:44:37.199 Mark and I have done private loans. So Mark, we 838 00:44:37.320 --> 00:44:38.960 didn't charge ten percent, did we? 839 00:44:40.199 --> 00:44:42.880 I think in a case like this, once again, the 840 00:44:42.920 --> 00:44:45.320 biggest thing is if the. 841 00:44:45.360 --> 00:44:47.599 Collateral is there for. 842 00:44:47.679 --> 00:44:51.000 Me to loan that money to him, how long would 843 00:44:51.039 --> 00:44:52.159 you seriously need it? 844 00:44:52.199 --> 00:44:52.360 Man? 845 00:44:52.599 --> 00:44:55.280 When when is it a guaranteed payback? But to ask 846 00:44:55.719 --> 00:44:57.599 you can't ask for a ninety day? 847 00:44:58.519 --> 00:45:01.480 Well, my note would be note would be called in 848 00:45:01.559 --> 00:45:03.920 whatever time. Tom, I mean, I'm not going to sit 849 00:45:03.960 --> 00:45:05.079 on it for ten years. 850 00:45:05.239 --> 00:45:07.639 No, but if you get listen, man, if you get 851 00:45:07.679 --> 00:45:11.920 ten points, if you get ten points and you get 852 00:45:12.119 --> 00:45:15.400 a decent interest rate, it would be hoofy to have 853 00:45:15.480 --> 00:45:17.639 it out there for how long how long would it 854 00:45:17.679 --> 00:45:18.199 come back? 855 00:45:19.519 --> 00:45:20.119 In March? 856 00:45:21.760 --> 00:45:23.760 So, I mean he's talking four or five months, So 857 00:45:23.800 --> 00:45:25.800 I would stick with what I said it would be. 858 00:45:26.760 --> 00:45:29.840 It would be called do at that point. And you know, 859 00:45:29.960 --> 00:45:33.039 if something happens and we talked, that's fine, but the 860 00:45:33.119 --> 00:45:35.679 paperwork's not going to say that. But I would want 861 00:45:35.760 --> 00:45:39.079 ten percent origination and I wouldn't charge you any interest 862 00:45:39.119 --> 00:45:39.960 for the five months. 863 00:45:40.039 --> 00:45:43.280 Oh, I would get that, just the origination. That's different. 864 00:45:43.559 --> 00:45:47.119 That's a whole different ball game. That's way fairer. So 865 00:45:47.199 --> 00:45:51.920 you're talking from basically a flat fee loan for three months? 866 00:45:52.039 --> 00:45:54.480 Is why can't we use these other farmer's collective months? 867 00:45:54.679 --> 00:45:57.360 The loan five months? I'm sorry, Tom. 868 00:45:57.280 --> 00:46:01.119 Yeah, but that's I mean, you're talking right, I mean 869 00:46:01.119 --> 00:46:01.639 you're talking. 870 00:46:02.559 --> 00:46:06.280 But Darryl, why can't you use your other farm as collateral? 871 00:46:06.320 --> 00:46:08.199 For you have the other farm land paid? 872 00:46:09.320 --> 00:46:10.039 Yeah? 873 00:46:10.559 --> 00:46:12.840 Okay, well can't that well done? 874 00:46:12.960 --> 00:46:15.199 And you have I'm telling you, Brent can give us 875 00:46:15.199 --> 00:46:17.440 info on this. I know he doesn't do this kind 876 00:46:17.440 --> 00:46:19.199 of stuff through ideal we get. 877 00:46:19.440 --> 00:46:21.760 Does do this stuff, We'll get him on Mark. I 878 00:46:21.800 --> 00:46:25.280 also have a ton of investors that invest with me, 879 00:46:25.480 --> 00:46:27.920 and that's why I'm asking this question. I mean, I 880 00:46:27.920 --> 00:46:30.239 have all kinds of involved. How about you know another 881 00:46:30.280 --> 00:46:34.519 good one might be Barry I'm not sure. Actually he doesn't. 882 00:46:34.519 --> 00:46:36.239 I don't know if he does private stuff like this. 883 00:46:36.519 --> 00:46:39.239 But here's what we're gonna do. We're gonna ask Brent Ivanson. 884 00:46:39.639 --> 00:46:40.880 Let's get him on for my idea. 885 00:46:40.920 --> 00:46:43.679 I'm just curious what other people, not whether they'll do 886 00:46:43.760 --> 00:46:46.360 it or not, but what is the going rate or 887 00:46:46.519 --> 00:46:47.360 something like this? 888 00:46:47.559 --> 00:46:53.559 That's right, Darryl. If you truly have value, truly have value, 889 00:46:53.599 --> 00:46:55.920 there's gonna be no problem getting that money. 890 00:46:57.960 --> 00:46:58.639 Yeah, I don't. 891 00:46:58.719 --> 00:47:01.440 I mean, you're you know, talking ten percent. I just 892 00:47:02.039 --> 00:47:04.119 I mean, I guess that's what really I was fishing 893 00:47:04.119 --> 00:47:05.000 for more than anything. 894 00:47:05.079 --> 00:47:06.960 Well, I don't know it's he percent, Daryl. I don't 895 00:47:06.960 --> 00:47:09.559 know what it's going to cost you. The bottom line is, 896 00:47:09.639 --> 00:47:13.599 I cannot tell you what an investor will expect for 897 00:47:14.119 --> 00:47:17.360 for one million dollars for what really turns out to 898 00:47:17.400 --> 00:47:19.679 be a six month loan. You're looking for a six 899 00:47:19.760 --> 00:47:22.519 month loan of one million dollars, isn't that it in 900 00:47:22.599 --> 00:47:23.159 a nutshell? 901 00:47:23.920 --> 00:47:24.239 Yeah? 902 00:47:24.320 --> 00:47:27.679 Okay, so let's figure it out. Hold on, we'll ask 903 00:47:27.719 --> 00:47:31.480 some people who do loans I'll ask my finance people 904 00:47:32.199 --> 00:47:35.800 at Waveight Wealth Management, I'll ask him what, because we 905 00:47:35.960 --> 00:47:38.960 have funds that do stuff like that, but certainly not 906 00:47:39.159 --> 00:47:43.280 high risk, and it's land. Is Land is high risk 907 00:47:43.320 --> 00:47:47.280 for a few reasons because there, while there is value there, 908 00:47:47.840 --> 00:47:51.719 it also has to be purchased by someone who can 909 00:47:52.079 --> 00:47:56.800 extract the value and then some in other words, there 910 00:47:56.840 --> 00:48:00.760 are they're not plentiful buyers. The buyer have to be 911 00:48:00.800 --> 00:48:04.880 able to take the land, subdivide the land, sell the land. 912 00:48:05.199 --> 00:48:08.639 So that's why i'd be interested to know about your 913 00:48:08.679 --> 00:48:12.599 developer and how solid has that developer who's buying your land. 914 00:48:12.960 --> 00:48:18.159 Have they done similar ventures? Yeah, okay, it's it sounds 915 00:48:18.199 --> 00:48:19.920 like you're not a fool. It sounds like you know 916 00:48:19.960 --> 00:48:22.280 what you're doing. So hold on. We'll talk about that 917 00:48:22.360 --> 00:48:24.960 coming up and if anyone has any ideas, give us 918 00:48:24.960 --> 00:48:27.760 a call. Three oh three, seven to one three Talks 919 00:48:27.760 --> 00:48:30.199 seven one three eight two five five. One Clear Choice 920 00:48:30.239 --> 00:48:33.159 Garage Doors for your garage door needs one. 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In comparison, call Compass Insurance paying 928 00:49:05.440 --> 00:49:08.480 too much your coverage at dozens of insurance companies find 929 00:49:08.480 --> 00:49:10.840 out now three all three seven to seven to one help. 930 00:49:11.000 --> 00:49:13.639 You'll think you're his only customer when you choose Frank 931 00:49:13.679 --> 00:49:16.159 durand the real estate Man dot com to list your 932 00:49:16.159 --> 00:49:19.360 home with Remax Alliance three all three nine two zero 933 00:49:19.440 --> 00:49:25.719 sixteen twenty two. Hi Tom Martino, you're a troubleshooter three 934 00:49:25.719 --> 00:49:28.639 all three seven one three talk three all three seven 935 00:49:28.719 --> 00:49:32.039 one three eight two five five. Welcome to the Shultz 936 00:49:32.519 --> 00:49:35.440 Keep going here. Brent Ivenson from Ideal Home Loans one 937 00:49:35.440 --> 00:49:39.519 of our experts. He is an expert in the loan industry, 938 00:49:39.559 --> 00:49:42.239 and even though they don't do private loans, they know 939 00:49:42.360 --> 00:49:45.000 a lot of people and I bet you they've participated 940 00:49:45.039 --> 00:49:47.880 before in the past with some things. Who knows. Brent, 941 00:49:48.000 --> 00:49:51.559 Thanks for being here, so you've got absolutely I know 942 00:49:51.639 --> 00:49:54.519 you probably get calls from people who need a private 943 00:49:54.559 --> 00:49:56.800 loan here and there, and you've probably hooked him up 944 00:49:56.840 --> 00:49:59.320 with an investor. Maybe not, but I know that you 945 00:49:59.440 --> 00:50:01.599 have to know a about them. And what we want 946 00:50:01.639 --> 00:50:03.800 to know is this. We got a guy that owns 947 00:50:03.840 --> 00:50:07.280 a lot of property, a lot of farmland in Weald 948 00:50:07.360 --> 00:50:11.800 County and he says he has a contract with a 949 00:50:11.840 --> 00:50:17.119 developer for two hundred and seventy acres for ten million bucks. Now, again, 950 00:50:17.320 --> 00:50:19.280 I don't know the strength of the contract or the 951 00:50:19.320 --> 00:50:24.119 buyer or anything. Darryl says, he does know that the 952 00:50:24.159 --> 00:50:29.039 buyer has done this before, has developed. So let's assume 953 00:50:29.039 --> 00:50:32.119 it's a decent contract. Let's just assume that for argument's sake, 954 00:50:32.599 --> 00:50:37.159 and he wants a bridge loan until closing. Closing's five months, 955 00:50:37.159 --> 00:50:40.119 so let's call it a six month loan of not 956 00:50:40.280 --> 00:50:43.039 the ten million, but of one million of it. So 957 00:50:43.360 --> 00:50:45.719 if he wanted to take two hundred and seventy acres 958 00:50:46.480 --> 00:50:49.880 and he wanted to do a one million dollar loan 959 00:50:49.920 --> 00:50:54.960 for six months, what do you think a lender, if 960 00:50:55.079 --> 00:50:57.679 truly it a praise in all of that? What loan 961 00:50:57.760 --> 00:51:00.719 to value do you think on a private loan on 962 00:51:00.880 --> 00:51:05.119 vacant land, would a lender be comfortable a private lender 963 00:51:05.159 --> 00:51:06.039 be comfortable with. 964 00:51:08.360 --> 00:51:11.920 You know, we don't see many of them on just Land. Normally, 965 00:51:12.000 --> 00:51:14.760 when we're dealing in that space, there's a dwelling attached 966 00:51:14.760 --> 00:51:17.159 to it, they're going to appraise the dwelling and they'll 967 00:51:17.159 --> 00:51:20.360 get pretty aggressive on the loan to value, you know, 968 00:51:20.480 --> 00:51:23.639 when we're dealing with the dwelling. So my guess would be, 969 00:51:23.719 --> 00:51:26.079 if you're only looking at ten percent of the appraised 970 00:51:26.159 --> 00:51:29.239 value or you know, the deal, let's call it, my 971 00:51:29.239 --> 00:51:32.239 guests would be you could go to a private investor 972 00:51:32.280 --> 00:51:35.320 and probably get that done. You might even be able 973 00:51:35.360 --> 00:51:38.159 to go to a local bank up there. That would happen. 974 00:51:38.159 --> 00:51:39.079 Appetation nobody. 975 00:51:39.119 --> 00:51:41.239 You know, that is a good question, Darryl. Have you 976 00:51:41.440 --> 00:51:42.400 tried a bank? 977 00:51:44.159 --> 00:51:48.760 Well, I haven't even It was just something that I'm just. 978 00:51:48.760 --> 00:51:49.400 Starting to No. 979 00:51:49.559 --> 00:51:55.119 I know you're just exploring this right now, Darrel, Yeah, yeah, Darrel, Right, 980 00:51:55.280 --> 00:51:58.960 what about this? What about this? Brent asked something and 981 00:51:59.000 --> 00:52:03.960 that is one tenth of the deal, and or you know, 982 00:52:04.000 --> 00:52:05.840 it's ten percent of the deal and all of that 983 00:52:06.239 --> 00:52:08.440 and you need it for about six months and so 984 00:52:09.239 --> 00:52:12.760 that all sounds and looks good where a lender shouldn't 985 00:52:12.800 --> 00:52:15.360 have a problem. But I'm asking for loan to value Brent, 986 00:52:15.679 --> 00:52:18.039 would you think they would still want fifty percent or 987 00:52:18.079 --> 00:52:20.519 sixty percent loan to value no more, or would they 988 00:52:20.559 --> 00:52:21.760 go eighty or ninety percent. 989 00:52:22.960 --> 00:52:25.639 Now we've had we've had numerous deals where again this 990 00:52:25.679 --> 00:52:28.480 is on just a home, not a working farm, not 991 00:52:28.679 --> 00:52:31.280 a bunch of acreage where they'll go to, you know, 992 00:52:31.360 --> 00:52:34.920 eighty five and ninety percent on these deals. And again, 993 00:52:35.360 --> 00:52:37.800 the way to think about this stuff, Tom, is these 994 00:52:37.840 --> 00:52:40.039 private equity guys, they want their money out for a 995 00:52:40.079 --> 00:52:41.840 year and then they want to back. So they're going 996 00:52:41.920 --> 00:52:44.079 to charge you a fairly hefty interest rate for that 997 00:52:44.199 --> 00:52:46.880 year to use that money, and then there is a 998 00:52:46.920 --> 00:52:48.599 balloon at the end of that year that's got to 999 00:52:48.639 --> 00:52:49.239 get paid back. 1000 00:52:49.639 --> 00:52:51.360 What do you think, What do you think the points 1001 00:52:51.400 --> 00:52:53.760 would be. Let's let's just talk points. What do you 1002 00:52:53.760 --> 00:52:57.239 think they would be or would it be just interest? 1003 00:52:58.079 --> 00:53:00.760 No, it would be interesting points. You know, it varies 1004 00:53:00.760 --> 00:53:03.159 from deal to deal. You know, we've got a handful 1005 00:53:03.199 --> 00:53:05.599 of guys that we use, and you know, it all 1006 00:53:05.639 --> 00:53:07.440 depends on what their appetite is. 1007 00:53:07.519 --> 00:53:10.320 Brent, I threw out there. Tell me what you think 1008 00:53:10.320 --> 00:53:13.639 of this? Brent, I threw out there. Ten percent origination, 1009 00:53:14.199 --> 00:53:16.400 six months deal, no interest. 1010 00:53:18.119 --> 00:53:20.079 Yeah, they're gonna charge They're not gonna charge you ten 1011 00:53:20.119 --> 00:53:24.440 percent origination. They'll probably charge you three maybe fourth. Then 1012 00:53:24.440 --> 00:53:26.840 they're gonna want an interest right on top of that. 1013 00:53:26.840 --> 00:53:28.400 That's right, all the money's out as well. 1014 00:53:28.480 --> 00:53:31.239 Yeah, so so what would that interest be? Do you think, 1015 00:53:31.400 --> 00:53:32.639 just from what you're hearing. 1016 00:53:32.679 --> 00:53:34.159 Typically ten to eleven percent? 1017 00:53:34.480 --> 00:53:37.199 Okay, so I mean my deal's better. Yeah, yeah, that 1018 00:53:37.239 --> 00:53:37.599 would be. 1019 00:53:37.760 --> 00:53:39.400 You're right. 1020 00:53:39.599 --> 00:53:40.840 I agree your deal is better. 1021 00:53:41.000 --> 00:53:44.119 But but Brent, I also said this with vacant land. 1022 00:53:44.159 --> 00:53:46.280 You have to have a special buyer if you want 1023 00:53:46.280 --> 00:53:48.119 to get a million dollars back on two hundred and 1024 00:53:48.119 --> 00:53:50.800 seventy acres, even though it's worth way more, it's only 1025 00:53:50.840 --> 00:53:56.639 worth way more after development. I mean not not after development, 1026 00:53:56.840 --> 00:54:00.719 but if you have the capacity to develop, and that's 1027 00:54:00.760 --> 00:54:05.000 a rare buyer, and and really that it's not as 1028 00:54:05.079 --> 00:54:08.559 locked as you might think it is. But anyway, I 1029 00:54:08.599 --> 00:54:12.360 appreciate your time. That's Brent Ivanson, Ideal Home Loans dot 1030 00:54:12.400 --> 00:54:14.960 Com three h three eighth sixty seven seven thousand. So 1031 00:54:15.119 --> 00:54:16.079 back to you, Darryl. 1032 00:54:17.239 --> 00:54:21.320 Yeah, so so there's the kind So here's my question. Yes, knowing, yeah, 1033 00:54:21.639 --> 00:54:27.719 not knowing anything. So does the does the contract mean anything. 1034 00:54:28.079 --> 00:54:31.960 Yes, Yes, it does. Yes, it does. It means that 1035 00:54:32.000 --> 00:54:34.480 they're going to be paid back if it's a solid contract. 1036 00:54:34.760 --> 00:54:38.519 It absolutely does. Now, did you say you had earnest 1037 00:54:38.559 --> 00:54:40.079 money on that contract? 1038 00:54:41.599 --> 00:54:43.559 Yes? I got, Yes I did. I had. 1039 00:54:43.599 --> 00:54:49.480 I had non refundable earnest money upfront that has already 1040 00:54:50.280 --> 00:54:54.800 went in and out of escrow and it was non refundable. 1041 00:54:54.960 --> 00:54:56.920 And how much was that? I just want to know. 1042 00:54:57.000 --> 00:55:01.039 That'll tell us how serious the buyer is. Five hundred 1043 00:55:01.079 --> 00:55:04.440 thousand man, Darryl, This sounds like a solid deal to me. 1044 00:55:04.960 --> 00:55:07.320 It does. If you have somebody who put up five 1045 00:55:07.400 --> 00:55:11.000 hundred grand that was yours to keep there, they're gonna close. 1046 00:55:11.519 --> 00:55:13.199 They're gonna close all that. 1047 00:55:13.199 --> 00:55:16.320 That's the reason why I did it, Tom, because I said, 1048 00:55:16.480 --> 00:55:18.880 I'm not gonna I'm not going to put this thing 1049 00:55:18.920 --> 00:55:22.760 out for because it's a year that it started out. 1050 00:55:22.880 --> 00:55:25.360 That's what it was from start to finishes a year, 1051 00:55:25.400 --> 00:55:27.559 and I said, I'm not gonna I'm not going to 1052 00:55:27.639 --> 00:55:29.800 do this without hard money. 1053 00:55:29.920 --> 00:55:31.400 That I know that. 1054 00:55:31.400 --> 00:55:34.559 You're serious, Darryl, Daryl, you're a smart man here. I 1055 00:55:34.599 --> 00:55:37.480 want to ask something else that'll tell you their seriousness 1056 00:55:37.519 --> 00:55:40.639 to close. Because I have walked away from hard money 1057 00:55:40.679 --> 00:55:44.719 before because I did some due diligence and it was 1058 00:55:44.800 --> 00:55:47.880 the wiser move than to move forward. Now, I didn't 1059 00:55:47.880 --> 00:55:51.000 put up five hundred grand, but I have walked away 1060 00:55:51.039 --> 00:55:55.119 from two hundred before on a big project because of 1061 00:55:55.159 --> 00:55:58.119 the due diligence. So my next question is this, what 1062 00:55:58.920 --> 00:56:03.519 do dill legends did they conduct? 1063 00:56:04.119 --> 00:56:07.679 Well, they've they've done quite a bit already. 1064 00:56:09.119 --> 00:56:11.280 Have they been to the county. Have they been to 1065 00:56:11.320 --> 00:56:13.559 the county with a put? 1066 00:56:14.760 --> 00:56:19.039 Well, actually this is this is in the city. 1067 00:56:18.840 --> 00:56:21.440 Limits, oh, in Greeley. 1068 00:56:21.519 --> 00:56:26.800 In Greeley, Okay, so they've already went to They've already 1069 00:56:26.840 --> 00:56:30.480 went through planning and zoning and the process. 1070 00:56:30.559 --> 00:56:34.760 Darryl, leave your number with Leave your number with Kachina. 1071 00:56:35.599 --> 00:56:38.000 You're a real This is a real deal in my opinion. 1072 00:56:38.239 --> 00:56:41.920 I mean just what I'm hearing. I'll look into it, Okay, Darryl, 1073 00:56:42.039 --> 00:56:42.840 I'll look into it. 1074 00:56:43.280 --> 00:56:45.400 I would I also appreciate it. 1075 00:56:45.440 --> 00:56:52.320 I would also advise this and listen carefully. I think 1076 00:56:52.480 --> 00:56:58.760 you should try first. Conventional means it'll be cheaper for you. 1077 00:56:59.280 --> 00:56:59.679 Try that. 1078 00:57:00.440 --> 00:57:03.519 Well, Like I said, I you know, marks ten percent. 1079 00:57:03.639 --> 00:57:05.599 He'd have to come work on the farm for free 1080 00:57:05.719 --> 00:57:06.519 for six months. 1081 00:57:06.800 --> 00:57:09.480 Yeah, no, no, no, no. You know what, when you 1082 00:57:09.559 --> 00:57:11.880 think about what he was saying, he's talking about one 1083 00:57:11.960 --> 00:57:14.880 hundred grand. Okay, you can just break that down pretty easily. 1084 00:57:14.920 --> 00:57:18.119 One hundred grand divided by six right, and that's what 1085 00:57:18.159 --> 00:57:22.400 you're talking about is sixteen grand and sixteen almost seventeen 1086 00:57:22.440 --> 00:57:27.400 grand a month. Okay, so you have to just amortize that. 1087 00:57:27.519 --> 00:57:30.039 See what it is. That is a little high. 1088 00:57:30.159 --> 00:57:31.760 And I hate to tell it to both of you. 1089 00:57:31.840 --> 00:57:33.519 I don't think it's high right now. 1090 00:57:33.400 --> 00:57:36.320 Okay, well, did you do that? 1091 00:57:36.760 --> 00:57:37.719 Hold on, hold on? 1092 00:57:38.079 --> 00:57:40.480 No no, no, no, no, no, no no. Did you do 1093 00:57:40.559 --> 00:57:42.920 the percentage on it? I haven't done the percentage yet. 1094 00:57:43.000 --> 00:57:45.880 If you take a million dollars and you take sixteen 1095 00:57:45.960 --> 00:57:51.800 thousand a month amortized, be twenty percent. Yeah, but you're 1096 00:57:51.800 --> 00:57:55.280 only talking six months, right, Yeah, that's why it would 1097 00:57:55.280 --> 00:58:01.679 be twenty percent. Anyway, here's the deal. I think that's 1098 00:58:01.760 --> 00:58:04.079 highway robbery in my opinion, Daryn. 1099 00:58:04.159 --> 00:58:08.480 If you're asking, well, I I that's why I said he's. 1100 00:58:08.320 --> 00:58:10.760 Gonna have I sound we sound like this. We sound 1101 00:58:10.800 --> 00:58:13.000 like the shark tank. Now where Mark and I are 1102 00:58:13.079 --> 00:58:15.639 arguing over the deal, I'll give you this and I'll 1103 00:58:15.679 --> 00:58:19.159 give you this and I'll give you a BackRub. Hey, Darryl, listen, man, 1104 00:58:19.880 --> 00:58:23.800 seriously leave your information and uh but I implore you 1105 00:58:24.360 --> 00:58:30.599 to explore local conventional banks. Okay, I'm Tom Martine. We 1106 00:58:30.639 --> 00:58:37.800 have more coming right up on the Troubleshooter Show. Go 1107 00:58:37.960 --> 00:58:41.679 with a sure thing Denver's best roofer Excel Roofing dot com. 1108 00:58:41.719 --> 00:58:47.440 You don't pay a cent until you're content. Time for 1109 00:58:47.480 --> 00:58:50.679 an insurance check up free, no obligation. In comparison, call 1110 00:58:50.760 --> 00:58:54.079 Compass Insurance paying too much your coverage at dozens of 1111 00:58:54.119 --> 00:58:57.039 insurance companies find out now three O three seven seven 1112 00:58:57.079 --> 00:58:59.800 to one help. You'll think you're his only customer when 1113 00:58:59.840 --> 00:59:02.360 you choose Frank durand the real estate Man dot com 1114 00:59:02.360 --> 00:59:05.519 to list your home with Remax Alliance three all three 1115 00:59:05.559 --> 00:59:14.000 nine two zero sixteen twenty two. Hi Tom Martino here 1116 00:59:14.079 --> 00:59:18.000 three all three seven one three talk three all three 1117 00:59:18.159 --> 00:59:22.480 seven one three eight two five five. All right, did 1118 00:59:22.480 --> 00:59:24.519 you get that guy's information? I'll bet you there are 1119 00:59:24.519 --> 00:59:26.599 a lot of private investors that would be interested in 1120 00:59:26.639 --> 00:59:30.119 that one. Yep, I emailed it to you. Thank you. Now. 1121 00:59:30.880 --> 00:59:33.440 Deputy Bo's got a follow up, but lo, let me 1122 00:59:33.480 --> 00:59:39.599 take Andrew first deputy. Uh, Andrew, you have an issue 1123 00:59:39.920 --> 00:59:43.639 with Okay, this is for Kevin. It's a twenty thirteen 1124 00:59:44.159 --> 00:59:49.639 f one fifty. Go ahead, Andrew, talk to us. Where 1125 00:59:49.719 --> 00:59:53.960 you go? Yeah, Andrew, go ahead. Are you there? He's 1126 00:59:54.000 --> 00:59:56.360 not there? Okay, I'm gonna put him on a hold. 1127 00:59:56.440 --> 00:59:58.280 Check him. I thought he was there. I'm gonna take 1128 00:59:58.320 --> 01:00:02.280 bo bo. What's going on with Shamphundai? When was that from? 1129 01:00:02.679 --> 01:00:04.239 From December eleventh? 1130 01:00:05.159 --> 01:00:09.320 Yeah? This was last Wednesday. Mar Major was the host. Okay, 1131 01:00:10.559 --> 01:00:13.719 so this one's not turning out good at all. Oh, 1132 01:00:14.400 --> 01:00:18.760 k yeah, it's bad. Kenny took his twenty twelve day in. 1133 01:00:19.440 --> 01:00:27.039 He had battery issues, so they replaced the harness wiring harness, 1134 01:00:27.559 --> 01:00:30.920 charged him a thousand dollars, took the vehicle out, drove 1135 01:00:30.960 --> 01:00:33.920 it and only drove like four or five miles and 1136 01:00:34.000 --> 01:00:36.079 the battery totally drained. 1137 01:00:36.400 --> 01:00:39.440 It's got hybrid, tom, so you understand what we're talking about. 1138 01:00:39.519 --> 01:00:42.800 Okay, So twelve Monday hybrid. 1139 01:00:43.079 --> 01:00:45.400 Okay, okay, so go ahead. 1140 01:00:46.119 --> 01:00:48.599 So he took the car back and then they said 1141 01:00:48.679 --> 01:00:54.079 he needed a belt tensioner kit. That was eleven hundred dollars. 1142 01:00:54.119 --> 01:00:58.039 He gave me the authorization to do that. So during 1143 01:00:58.119 --> 01:01:01.360 all of this, one of the technics at this dealership 1144 01:01:01.480 --> 01:01:05.280 told Kenny, hey, we think he it's of the text 1145 01:01:05.280 --> 01:01:09.480 opinion that it's the battery. The battery losses l and 1146 01:01:09.519 --> 01:01:12.920 that's what I tend to say. 1147 01:01:13.039 --> 01:01:16.480 What was the original job again, did you say it 1148 01:01:16.519 --> 01:01:21.079 was only it was only holding ten percent charge or no, 1149 01:01:21.199 --> 01:01:22.920 that's not true. Here's what would happen. 1150 01:01:23.199 --> 01:01:26.599 The battery would charge up, but it would be completely 1151 01:01:26.679 --> 01:01:28.239 dead within ten miles. 1152 01:01:28.360 --> 01:01:31.239 It was due to a charging issue, okay, and then 1153 01:01:31.679 --> 01:01:35.880 that's when they started removing and replacing. So what happened 1154 01:01:35.920 --> 01:01:37.199 what ended up happening. 1155 01:01:37.239 --> 01:01:41.440 Now the dealership has told him that there's a noise 1156 01:01:41.480 --> 01:01:44.480 in the transmission and in order to make the vehicle light, 1157 01:01:44.519 --> 01:01:50.360 they want to replace the transmission. Kenny says, the transmission 1158 01:01:50.400 --> 01:01:52.800 has nothing to do with it. Your text said, it's 1159 01:01:52.800 --> 01:01:56.239 a battery issue. I have a lifetime work on a battery. 1160 01:01:56.280 --> 01:01:58.559 I want you guys to replace the battle. 1161 01:01:58.199 --> 01:02:01.199 How much did he spend up to this point twenty 1162 01:02:01.239 --> 01:02:05.840 two hundred and still he still had the problem. 1163 01:02:06.239 --> 01:02:10.280 The car is still at the shop. They have chomp und. 1164 01:02:10.840 --> 01:02:14.119 They will not work, they will not look at the 1165 01:02:14.199 --> 01:02:17.480 battery issue and they're not going to do anything till 1166 01:02:17.559 --> 01:02:20.000 he agrees to replace the battery. 1167 01:02:20.480 --> 01:02:23.119 So Tom, wait wait wait, you mean agree to replace 1168 01:02:23.159 --> 01:02:24.239 the transmission. 1169 01:02:24.599 --> 01:02:26.039 I'm sorry to transmission. 1170 01:02:26.079 --> 01:02:28.440 Yes, sorry, Yeah, but they took twenty five hundred bucks 1171 01:02:28.480 --> 01:02:30.000 before they did the transmia. 1172 01:02:30.239 --> 01:02:32.199 Now here's what I want to know. Is there a 1173 01:02:32.239 --> 01:02:35.679 way we can just have that independently evaluated by another dealer. 1174 01:02:36.599 --> 01:02:38.880 Absolutely, that's a great, that's a great. 1175 01:02:38.920 --> 01:02:41.039 Yeah, but he's going to be he's when he picks 1176 01:02:41.079 --> 01:02:42.920 it up. I assume he's got to pay whatever he 1177 01:02:42.920 --> 01:02:43.559 owes there now. 1178 01:02:43.639 --> 01:02:45.440 Yeah, but I don't think we'll have a problem getting 1179 01:02:45.440 --> 01:02:48.000 it back if it turns out they were full of crap. 1180 01:02:48.519 --> 01:02:51.199 Oh look who we're dealing with. Well, small claims call 1181 01:02:51.320 --> 01:02:53.880 Mark for twenty two hundred. I think that's true. I 1182 01:02:53.920 --> 01:02:56.440 think I think he'd win if we can get it 1183 01:02:56.480 --> 01:02:58.880 to a good place, and we know some good Hyundai 1184 01:02:58.880 --> 01:03:00.920 places like Donald Hunday. 1185 01:03:02.159 --> 01:03:07.840 Yeah. I I called the service manager three times, and 1186 01:03:07.920 --> 01:03:10.320 on the fourth time, I said, look, we're gonna go. 1187 01:03:10.400 --> 01:03:12.840 I'm gonna have that Kenny go to the dealer board. 1188 01:03:12.599 --> 01:03:14.519 If you can, I can. I just tell you this, bro, 1189 01:03:14.760 --> 01:03:16.760 Let me just tell you something. First of all, the dealer. 1190 01:03:16.800 --> 01:03:19.400 Board's dealing only with They don't deal with service. They 1191 01:03:19.440 --> 01:03:23.199 deal only in sales. But let me tell you about Schamp. 1192 01:03:23.440 --> 01:03:28.960 They suck. Schamp is a terrible organization. Now, Schamp used 1193 01:03:29.000 --> 01:03:32.840 to be a great organization. That's what's said about it. 1194 01:03:32.960 --> 01:03:36.199 The kid took it over, no no, when the mom 1195 01:03:36.239 --> 01:03:40.639 owned it Lisa. Actually the dad had it originally Ralph. 1196 01:03:40.960 --> 01:03:44.639 Now then it went to Lisa, and then Lisa I think, 1197 01:03:44.760 --> 01:03:50.760 sent it to her son, which was basically unfortunate. Her 1198 01:03:50.800 --> 01:03:52.079 son's a freaking idiot. 1199 01:03:52.760 --> 01:03:56.119 All right, Well, the caller doesn't want to really pay 1200 01:03:56.159 --> 01:03:59.199 to pay the twenty two hundred tom because he feels 1201 01:03:59.199 --> 01:04:04.760 that this aireen harness and belt tensioner didn't didn't solve 1202 01:04:04.840 --> 01:04:07.800 the problem. It's still the battery just trained out. 1203 01:04:08.000 --> 01:04:10.679 Are they looking? Would they let him go and get 1204 01:04:10.679 --> 01:04:11.280 it checked? 1205 01:04:11.760 --> 01:04:15.280 Probably not now now without paying the bill. I talked 1206 01:04:15.280 --> 01:04:19.480 to the Pete Rash that he's this service manager. I 1207 01:04:20.599 --> 01:04:22.679 called it on a back door number. He picked up 1208 01:04:22.719 --> 01:04:23.079 the phone. 1209 01:04:23.079 --> 01:04:24.039 He's very rude to me. 1210 01:04:24.039 --> 01:04:26.320 He says, I'm not talking to you till we talked 1211 01:04:26.320 --> 01:04:28.800 to our corporate attorneys back east, and I go. 1212 01:04:29.159 --> 01:04:31.280 Oh wait, wait, wait, wait, wait wait wait, wait, wait, 1213 01:04:31.320 --> 01:04:35.239 wait back you so wait, maybe Shamp's out of there too, now, 1214 01:04:36.760 --> 01:04:38.760 is that the sense you got? They don't eat Shomps 1215 01:04:38.800 --> 01:04:39.239 night him. 1216 01:04:39.320 --> 01:04:41.320 I mean he had he had to go back east 1217 01:04:41.360 --> 01:04:43.760 to talk to a corporate attorney and said, we don't 1218 01:04:43.760 --> 01:04:46.199 need to talk to an attorney. Let's just help your 1219 01:04:46.400 --> 01:04:48.519 customer that has had the car in there for several 1220 01:04:48.559 --> 01:04:51.639 weeks and address the battery issue. And he just basically 1221 01:04:51.760 --> 01:04:53.920 hung up on me once I told him who I was. 1222 01:04:54.199 --> 01:04:58.239 Okay, it's it's I have a feeling that this is 1223 01:04:58.280 --> 01:05:02.280 not I mean, does Shamps still own Shomp? Doesn't do anybody? 1224 01:05:02.559 --> 01:05:06.239 Does anybody know? I actually don't know. We have to 1225 01:05:06.280 --> 01:05:07.000 figure this out. 1226 01:05:07.199 --> 01:05:10.199 I have a feeling he don't. Their customer service sucks. 1227 01:05:10.480 --> 01:05:14.159 Well it again, that's hard to say because it always sucked. 1228 01:05:14.599 --> 01:05:16.719 I mean after the sun took over. So it's either 1229 01:05:16.760 --> 01:05:20.480 sucking more or sucking less. I don't know. This is 1230 01:05:20.599 --> 01:05:26.679 terrible the message here though, for everyone avoids Shomp. They suck. 1231 01:05:29.519 --> 01:05:31.880 That's all I can say. I mean, what else can 1232 01:05:31.920 --> 01:05:32.280 we do? 1233 01:05:32.719 --> 01:05:35.440 But I mean I guess here he'll have to try 1234 01:05:35.440 --> 01:05:37.519 and maybe pay the bill to get the car. Do 1235 01:05:37.679 --> 01:05:38.000 the car. 1236 01:05:38.079 --> 01:05:41.599 Yeah, he can always go back and try to get 1237 01:05:42.119 --> 01:05:45.719 some kind of resolution if it turns out they were 1238 01:05:45.760 --> 01:05:48.039 full of horse crap? Do you think they were full 1239 01:05:48.079 --> 01:05:48.800 of horse crap? 1240 01:05:49.639 --> 01:05:51.039 What these two repairs? 1241 01:05:51.119 --> 01:05:52.000 Yeah? 1242 01:05:52.079 --> 01:05:54.159 Yeah, they It didn't solve the problem. 1243 01:05:55.440 --> 01:06:01.679 Yeah, but sometimes just so you know, sometimes it's they 1244 01:06:01.719 --> 01:06:03.280 need more than one thing, right keV. 1245 01:06:03.440 --> 01:06:05.920 Well, yeah, but why weren't they worried about the transmission 1246 01:06:05.960 --> 01:06:09.239 noise before they charge them twenty two hundred bucks? They're 1247 01:06:09.239 --> 01:06:11.599 worried about it now that they won't warranty his battery, 1248 01:06:12.480 --> 01:06:14.559 but they certainly didn't bring it up before they turn. 1249 01:06:14.519 --> 01:06:17.800 Ye bo, They're totally unreasonable, right, yeah. 1250 01:06:17.840 --> 01:06:20.519 Right, they want to replace the transmission and what does 1251 01:06:20.519 --> 01:06:22.960 that have to do with the flipping battery? I get it, 1252 01:06:23.320 --> 01:06:24.920 And they won't address the battery. 1253 01:06:25.880 --> 01:06:26.679 He needs to get it out of it. 1254 01:06:26.800 --> 01:06:29.960 I gotta take this break though. Uh. Three oh three 1255 01:06:30.119 --> 01:06:33.559 seven one three eight two five five. Compass Insurance Group 1256 01:06:33.599 --> 01:06:35.400 into a free insurance check up to make sure you're 1257 01:06:35.440 --> 01:06:37.760 not paying too much, you're not under insured or maybe 1258 01:06:37.760 --> 01:06:41.400 even over insured. It's all free and complementary due to 1259 01:06:41.519 --> 01:06:43.960 Compass and the show three oh three nine nine six 1260 01:06:44.519 --> 01:06:52.639 nine thousand. The Insurance Help Center dot com go with 1261 01:06:52.719 --> 01:06:56.320 a sure thing Denver's best roofer Excel Roofing dot com. 1262 01:06:56.360 --> 01:07:02.079 You don't pay a cent until you're content. Time for 1263 01:07:02.119 --> 01:07:05.280 an insurance check up free, no obligation. In comparison, call 1264 01:07:05.400 --> 01:07:08.719 Compass Insurance paying too much your coverage at dozens of 1265 01:07:08.719 --> 01:07:11.400 insurance companies find out now three all three seven to 1266 01:07:11.480 --> 01:07:14.280 seven to one. Help. You'll think you're his only customer 1267 01:07:14.320 --> 01:07:16.559 when you choose Frank durand the real estate Man dot 1268 01:07:16.599 --> 01:07:19.880 com to list your home with Remax Alliance three all 1269 01:07:19.960 --> 01:07:26.280 three nine two zero sixteen twenty two. Hi Tom Martino 1270 01:07:26.320 --> 01:07:29.800 here three oh three seven one three talk seven one 1271 01:07:29.840 --> 01:07:33.880 three eight two five five. I want to talk to 1272 01:07:34.159 --> 01:07:38.639 uh Cris been waiting well, Deputy Bow. Oh, we talked 1273 01:07:38.639 --> 01:07:40.320 to Deputy Bow. What are we gonna do about that? 1274 01:07:40.400 --> 01:07:44.239 I mean, I don't really know yet. We're gonna have 1275 01:07:44.320 --> 01:07:46.679 to try to figure out. Maybe he pays. 1276 01:07:47.920 --> 01:07:49.960 He gonna have to pay the bill and get it moved. 1277 01:07:49.800 --> 01:07:53.719 And pays by credit card, can contest it as well. 1278 01:07:53.880 --> 01:07:58.880 Andrew's back. Andrew, you have hot air. You have hot 1279 01:07:58.920 --> 01:08:00.880 air blowing out of the dry side on your f 1280 01:08:00.880 --> 01:08:01.840 one fifty. 1281 01:08:02.880 --> 01:08:04.880 Yeah, fifty. 1282 01:08:05.000 --> 01:08:08.320 I can only get heats on the driver's side right now. 1283 01:08:09.119 --> 01:08:11.280 Kevin, you say this, I think you take one of 1284 01:08:11.320 --> 01:08:14.320 these every week. About blend the blending mote doors. You know, 1285 01:08:14.360 --> 01:08:17.279 there's so many different actuators and doors inside there, the 1286 01:08:17.319 --> 01:08:18.560 direct air different places. 1287 01:08:18.840 --> 01:08:20.880 The fact that you're getting hot air somewhere means the 1288 01:08:20.920 --> 01:08:21.760 heater course working. 1289 01:08:21.840 --> 01:08:26.199 Yep, yep, yeah, you're just losing the only only one eater? 1290 01:08:27.159 --> 01:08:28.399 Is it vacuum operated? 1291 01:08:28.600 --> 01:08:29.760 Are those electric? 1292 01:08:29.800 --> 01:08:30.159 Electric? 1293 01:08:30.319 --> 01:08:33.399 Or electric? Little actuators sit on top of the doors. 1294 01:08:33.920 --> 01:08:35.319 The door has like a stem on it, and the 1295 01:08:35.319 --> 01:08:37.399 little motor will turn the door open or closed or 1296 01:08:37.439 --> 01:08:41.359 halfway and so forth. So probably it's an actuator of 1297 01:08:41.479 --> 01:08:41.840 the time. 1298 01:08:43.239 --> 01:08:45.600 So I've got the floor shifter? 1299 01:08:45.840 --> 01:08:46.479 Is that? 1300 01:08:46.520 --> 01:08:48.560 Am I just going to have to tear everything apart. 1301 01:08:48.399 --> 01:08:50.079 To get to it? You know, I've got to look 1302 01:08:50.079 --> 01:08:52.159 at a diagram because there's so many different ones. Some 1303 01:08:52.239 --> 01:08:54.239 you can actually we call it gumby. I got one 1304 01:08:54.239 --> 01:08:56.920 guy's got real skinny flexible arms. He gets up in there. 1305 01:08:57.520 --> 01:08:59.880 Uh so you can. Some you can get without pulling 1306 01:09:00.039 --> 01:09:01.720 the parts. Something You got to pull the whole dash out. 1307 01:09:01.960 --> 01:09:05.000 Oh no, yep, are you doing it yourself? Are you 1308 01:09:05.079 --> 01:09:06.039 doing it yourself? 1309 01:09:06.119 --> 01:09:10.560 Andrew it depends on I mean, I'll bring it into 1310 01:09:10.640 --> 01:09:11.640 him and have them. 1311 01:09:11.600 --> 01:09:13.560 Look out up on YouTube. You know, they'll give you 1312 01:09:13.640 --> 01:09:15.279 some general ideas and. 1313 01:09:15.359 --> 01:09:17.439 You can give me a general idea from what to what. 1314 01:09:17.600 --> 01:09:19.319 Well, I don't know. I mean it could be one 1315 01:09:19.399 --> 01:09:21.920 hundred bucks to you know, plus the actu waiter upwards 1316 01:09:21.920 --> 01:09:24.640 to eight to twelve hundred bucks. That's a bit huge spread. 1317 01:09:24.520 --> 01:09:25.399 Because of the parts. 1318 01:09:25.680 --> 01:09:28.399 No, because one one you can get to like through 1319 01:09:28.399 --> 01:09:30.239 the glove box. You take a leg glove box, That's 1320 01:09:30.279 --> 01:09:32.319 what I'm asking. So another the next one though you 1321 01:09:32.319 --> 01:09:33.560 have to pull the entire dash out. 1322 01:09:33.600 --> 01:09:35.279 So if you can get to it, it's a few hundred. 1323 01:09:35.319 --> 01:09:36.520 If you can't, it's. 1324 01:09:36.359 --> 01:09:40.520 Been twelve to fifteen hundred bucks. Yeah, because of the labor. Yep, yeah, yep, 1325 01:09:40.800 --> 01:09:44.720 here's your range, bro, I hope, geez. But you can 1326 01:09:44.760 --> 01:09:46.319 find out with a vein number or something. 1327 01:09:46.600 --> 01:09:48.279 Well, yeah, we can get a look at it. 1328 01:09:49.000 --> 01:09:50.560 You have him take a look at it. Won't cost 1329 01:09:50.600 --> 01:09:53.279 you anything. On Tom Martino three oh three seven one 1330 01:09:53.319 --> 01:09:55.560 three Talks seven one three eight two five five. We 1331 01:09:55.680 --> 01:09:58.920 got another two hours ago on the Troubleshooter Show, Solving problems, 1332 01:09:58.920 --> 01:10:06.800 answering questions, taking blanks. Go with a sure thing Denver's 1333 01:10:06.840 --> 01:10:09.720 Best roofer Excel Roofing dot com. You don't pay a 1334 01:10:09.800 --> 01:10:15.720 cent until you're content. Please time for an insurance check 1335 01:10:15.840 --> 01:10:19.840 up free, no obligation comparison call Compass Insurance paying too 1336 01:10:19.920 --> 01:10:22.960 much your coverage at dozens of insurance companies find out 1337 01:10:23.000 --> 01:10:25.760 now three oh three seven seven one help. You'll think 1338 01:10:25.760 --> 01:10:28.359 you're his only customer when you choose Frank durand the 1339 01:10:28.399 --> 01:10:31.039 real estate Man dot com to list your home with 1340 01:10:31.159 --> 01:10:34.720 Remax Alliance three oh three nine two zero sixteen twenty two. 1341 01:10:40.159 --> 01:10:50.119 Ripped news needs so you don't have run as can 1342 01:10:51.399 --> 01:10:52.720 Shooter's gonna help. 1343 01:10:53.000 --> 01:10:53.359 Come. 1344 01:10:54.880 --> 01:10:59.239 This is the Troubleshooter Show. No Tom Martinez. 1345 01:10:59.319 --> 01:11:03.479 Hello, I'm Martino here, solving problems, answer questions, taking complaints. 1346 01:11:03.520 --> 01:11:06.760 Mark's on remote. And then we have Deputy Dog here. 1347 01:11:06.760 --> 01:11:10.319 We have Uncle Kevin Sheridan Auto tech Uncle Kevin. Somebody 1348 01:11:10.359 --> 01:11:13.479 wants to know how often do they have to do 1349 01:11:13.560 --> 01:11:16.760 their flushing of a coolant system? 1350 01:11:17.439 --> 01:11:20.640 Typically every two years? Okay, depending on you, sence and everything, 1351 01:11:20.640 --> 01:11:22.279 but yeah, two years is standard. 1352 01:11:22.760 --> 01:11:26.720 Okay, two years is standard for that? And uh what 1353 01:11:26.920 --> 01:11:32.079 about when just maintaining there's nothing else to do you 1354 01:11:32.199 --> 01:11:33.920 just keep the level right? 1355 01:11:34.359 --> 01:11:37.199 Yeah? Okay, Yeah, so they're good long life any freezes, 1356 01:11:37.239 --> 01:11:39.319 but yeah, two years, three years at the most. 1357 01:11:39.520 --> 01:11:42.199 All right, three all three seven one three talk seven 1358 01:11:42.239 --> 01:11:44.600 one three eight two five five. Back to the phones. 1359 01:11:44.680 --> 01:11:47.560 Darryl has a question on a loan for his property 1360 01:11:47.840 --> 01:11:50.319 or for a property. Hey, hey, Daryl, what's going on? 1361 01:11:51.520 --> 01:11:51.720 Oh? 1362 01:11:51.880 --> 01:11:59.640 Cut, shut up, Mark, I'm gonna Darryl. What's that I'm 1363 01:11:59.640 --> 01:12:01.720 doing better than Joe Biden? What's going on with you? 1364 01:12:01.760 --> 01:12:01.880 Bro? 1365 01:12:02.920 --> 01:12:07.239 Well, that's uh, that's okay, what's happening? 1366 01:12:07.319 --> 01:12:07.760 Okay? 1367 01:12:07.800 --> 01:12:13.159 So I think it's called a bridge loan, but it's 1368 01:12:13.479 --> 01:12:14.199 a bridge loan. 1369 01:12:14.279 --> 01:12:16.680 Is a bridge loan is when you're you own a home, 1370 01:12:16.720 --> 01:12:18.840 you're selling and you're buying a new one and you 1371 01:12:18.880 --> 01:12:19.960 need something in between. 1372 01:12:20.920 --> 01:12:23.319 Yeah, so kind of kind of like that. So I 1373 01:12:23.359 --> 01:12:27.239 got a piece of property that's under contact that closes 1374 01:12:27.399 --> 01:12:27.960 in March. 1375 01:12:28.279 --> 01:12:30.680 When you say a piece of property, you're talking about land. 1376 01:12:31.680 --> 01:12:37.039 Yeah, okay, And and what what I'm what I'm looking. 1377 01:12:36.760 --> 01:12:43.840 For is is to get a loan against the property 1378 01:12:45.000 --> 01:12:47.680 before it closes, and then pay it off at closing. 1379 01:12:49.119 --> 01:12:51.439 Wait wait, wait, wait, why why do you need it 1380 01:12:51.520 --> 01:12:54.239 before closing? Usually you pay at closing. 1381 01:12:56.119 --> 01:12:58.720 No, no, no, no, I just I just need some 1382 01:12:58.800 --> 01:13:00.479 money between now and closing. 1383 01:13:00.760 --> 01:13:04.279 I understand that. I'm just asking not to be nosy. 1384 01:13:04.359 --> 01:13:07.000 But for the reason, what do you need the money 1385 01:13:07.039 --> 01:13:08.520 for before closing? 1386 01:13:09.600 --> 01:13:14.000 Oh okay, I see what you're saying. Yeah, just for 1387 01:13:14.359 --> 01:13:15.399 business expenses. 1388 01:13:15.680 --> 01:13:17.479 Okay, it has nothing to do with the land. 1389 01:13:18.439 --> 01:13:20.279 No. No, And the land is pretty and clear. 1390 01:13:20.600 --> 01:13:23.600 Okay, then why did you even mention it? In other words, 1391 01:13:23.640 --> 01:13:26.880 I was just confused. What you need is a loan period. 1392 01:13:27.079 --> 01:13:29.079 Yeah, like the line of credit, yeah, or something like that. 1393 01:13:29.359 --> 01:13:30.880 And it has nothing to do with the land. You 1394 01:13:30.920 --> 01:13:32.680 just need a loan. 1395 01:13:35.000 --> 01:13:37.039 Well, But the reason why I brought the land up 1396 01:13:37.119 --> 01:13:39.800 is because that would be I mean, I don't I 1397 01:13:39.800 --> 01:13:42.800 don't you know. Obviously that would be the collateral, right. 1398 01:13:42.960 --> 01:13:45.239 Not if you don't own it. It would only be 1399 01:13:45.359 --> 01:13:46.680 collateral when you own it. 1400 01:13:48.159 --> 01:13:48.640 I own it. 1401 01:13:49.319 --> 01:13:52.800 You said you close in March. Wait, wait, are you 1402 01:13:52.880 --> 01:13:54.439 buying or selling this property? 1403 01:13:55.279 --> 01:13:55.640 Selling? 1404 01:13:55.920 --> 01:13:56.079 Now? 1405 01:13:56.119 --> 01:13:58.840 I understand. I'm so sorry, bro, I'm so sorry. Now, 1406 01:13:59.560 --> 01:14:02.359 so you're sell it. I just assume you're buying it. 1407 01:14:02.399 --> 01:14:05.720 So you are selling your land. You have a contract 1408 01:14:05.760 --> 01:14:08.840 on it, and you will get paid in March and 1409 01:14:08.880 --> 01:14:12.000 you need something to hold you over. I get it. Now. 1410 01:14:12.159 --> 01:14:13.960 How sure is that closing? 1411 01:14:17.359 --> 01:14:17.840 What do you mean? 1412 01:14:18.600 --> 01:14:18.960 Well? 1413 01:14:19.119 --> 01:14:20.640 How sure is the closing? 1414 01:14:20.680 --> 01:14:23.000 If I wanted to loan your money, you said, yeah, 1415 01:14:23.039 --> 01:14:24.239 it's it's it's. 1416 01:14:25.680 --> 01:14:27.640 It's like anything, right, It's not one hundred percent? 1417 01:14:27.680 --> 01:14:27.960 Okay? 1418 01:14:28.840 --> 01:14:29.279 All right? 1419 01:14:29.600 --> 01:14:31.680 And what are the terms? When you close it? You're 1420 01:14:31.720 --> 01:14:32.680 gonna get cash? 1421 01:14:33.159 --> 01:14:33.760 Cash? 1422 01:14:33.960 --> 01:14:35.439 And how much you selling it for? 1423 01:14:36.840 --> 01:14:37.399 Ten million? 1424 01:14:38.399 --> 01:14:43.479 What for ten million? What the hell kind of land 1425 01:14:43.479 --> 01:14:43.920 do you have? 1426 01:14:46.000 --> 01:14:46.159 Well? 1427 01:14:46.199 --> 01:14:48.079 You know what land is, Tom, Well, I. 1428 01:14:48.159 --> 01:14:50.960 Do, but to be ten million, I'm just curious what what? 1429 01:14:51.199 --> 01:14:51.680 Where is it? 1430 01:14:52.600 --> 01:14:53.479 Where you've done it? 1431 01:14:53.520 --> 01:14:54.640 You've been there, you've done it. 1432 01:14:54.720 --> 01:14:57.720 Yes, I have both the good and the bad and 1433 01:14:57.760 --> 01:14:59.880 the ugly. But I want to ask you seriously, where 1434 01:14:59.920 --> 01:15:01.079 is no no fooling around? 1435 01:15:01.079 --> 01:15:02.520 Where is it Well County? 1436 01:15:02.560 --> 01:15:06.000 It's in well County, Well County. I don't think all 1437 01:15:06.000 --> 01:15:09.119 of wald counties worth ten million? But okay, what kind 1438 01:15:09.159 --> 01:15:12.560 of was waiting for that? Is it commercial? Is it residential? 1439 01:15:12.600 --> 01:15:15.000 What is it presidential? 1440 01:15:15.279 --> 01:15:16.560 How much? How many acres? 1441 01:15:18.680 --> 01:15:19.640 Two and seventy? 1442 01:15:19.920 --> 01:15:21.239 Okay? And who's buying it? 1443 01:15:22.520 --> 01:15:23.119 Developer? 1444 01:15:23.399 --> 01:15:26.880 Okay? All right? And so did you get any earnest money. 1445 01:15:27.119 --> 01:15:30.560 I'm trying. Here's why I'm asking, because the strength of 1446 01:15:30.600 --> 01:15:32.760 that is going to be the strength of you getting 1447 01:15:32.800 --> 01:15:37.000 a loan. But you're saying, you're saying that even if 1448 01:15:37.039 --> 01:15:41.560 you don't close, the land is your collateral. So would 1449 01:15:41.560 --> 01:15:43.920 you allow someone right now then to put a first 1450 01:15:43.960 --> 01:15:45.640 deed of trust on that land? 1451 01:15:47.640 --> 01:15:49.640 Well, that's probably what it's going to take, right. 1452 01:15:49.560 --> 01:15:51.880 I think it's going to take it. Yeah, But when 1453 01:15:51.920 --> 01:15:53.840 you said line of credit and stuff, I thought you 1454 01:15:53.880 --> 01:15:56.600 were talking unsecured. But okay, so you have two hundred 1455 01:15:56.600 --> 01:16:01.199 and seventy acres and you truly okay, So two hundred 1456 01:16:01.199 --> 01:16:02.880 and seventy acres, And what I want to know is this, 1457 01:16:03.960 --> 01:16:05.439 how much do you have to borrow. 1458 01:16:06.880 --> 01:16:07.399 A million? 1459 01:16:08.680 --> 01:16:11.359 So with two Now, that to me sounds like an 1460 01:16:11.399 --> 01:16:16.840 o brainer because, first of all, I doubt, I doubt, well, 1461 01:16:16.920 --> 01:16:19.279 I don't know. I don't know in Welld County, if 1462 01:16:19.319 --> 01:16:23.319 it was prime residential land, you're talking you're talking a 1463 01:16:23.439 --> 01:16:27.399 value of thirty seven thousand per lot. I'm not sure 1464 01:16:27.479 --> 01:16:32.439 or per excuse me, per acre. I'm not sure it's 1465 01:16:32.479 --> 01:16:34.359 worth that. Maybe it is, I don't know. I don't 1466 01:16:34.399 --> 01:16:37.079 know anything about Weld County. But what But the other 1467 01:16:37.119 --> 01:16:39.760 thing you're talking makes more sense. You're looking for a 1468 01:16:39.840 --> 01:16:44.920 million dollars hold on divided by two seventy. So let's see. 1469 01:16:45.359 --> 01:16:48.239 So you're asking for thirty seven hundred dollars an acre 1470 01:16:48.920 --> 01:16:54.439 for a loan and I don't know. We let's put 1471 01:16:54.479 --> 01:16:55.920 it out there, man, somebody. 1472 01:16:56.239 --> 01:16:58.319 Origination see I want it? Yeah? 1473 01:16:58.479 --> 01:17:01.880 And so what you know? And then and like I said, 1474 01:17:01.880 --> 01:17:05.800 I've never done this before. But basically, then when at 1475 01:17:05.840 --> 01:17:07.520 closing look. 1476 01:17:07.479 --> 01:17:10.880 Then I inator all kinds of things, including loans and 1477 01:17:10.880 --> 01:17:13.640 what Mark was talking about when he said ten percent 1478 01:17:13.680 --> 01:17:16.199 origination fee might be a little high, but people are 1479 01:17:16.199 --> 01:17:18.800 gonna want points up front. It's not high right now, 1480 01:17:18.800 --> 01:17:21.319 there's no way for something like that. And for land 1481 01:17:21.520 --> 01:17:25.880 and points, they're gonna want at least I think sixty. 1482 01:17:26.000 --> 01:17:30.159 They won't go beyond sixty percent loan to value. So 1483 01:17:31.640 --> 01:17:36.520 do you have an appraisal of the two seventy. 1484 01:17:36.119 --> 01:17:36.600 I don't have. 1485 01:17:36.760 --> 01:17:38.880 I don't have an appraisal. No, but I'm assuming the 1486 01:17:38.960 --> 01:17:40.600 developer did or he wouldn't offer that. 1487 01:17:40.880 --> 01:17:43.520 Well, that's not true at all, but sometimes they do 1488 01:17:43.600 --> 01:17:45.279 it because they have a hunch. I want to ask 1489 01:17:45.359 --> 01:17:50.520 you something. Do you have adjacent property? Yes? Okay, And 1490 01:17:51.720 --> 01:17:53.680 I mean adjacent property you don't own. 1491 01:17:55.760 --> 01:17:58.960 There's adjacent property I don't own, and there's adjacent property 1492 01:17:59.000 --> 01:17:59.560 that I do own. 1493 01:18:00.079 --> 01:18:03.000 You, Jason, how did you acquire all this land out 1494 01:18:03.000 --> 01:18:04.439 of curiosity? Were you a farmer or what? 1495 01:18:05.479 --> 01:18:05.840 Yes? 1496 01:18:06.479 --> 01:18:11.520 Okay, and you're you're selling the farm one of them, okay, 1497 01:18:12.000 --> 01:18:13.960 and then you know that. 1498 01:18:14.000 --> 01:18:15.920 And I think the bottom line, though, is if the 1499 01:18:15.960 --> 01:18:19.920 collateral's there, whether it's his home, residence, the land all combined, 1500 01:18:20.039 --> 01:18:21.000 it's gonna it's there. 1501 01:18:21.159 --> 01:18:25.119 I mean it's a ten percent deal, ten percent interest. 1502 01:18:25.199 --> 01:18:28.800 You're saying, No, I'm saying a ten percent origination and 1503 01:18:28.840 --> 01:18:31.199 then like closing ninety days or. 1504 01:18:31.159 --> 01:18:36.239 Else ten percent origination. Say you're saying, you're saying one 1505 01:18:36.319 --> 01:18:37.000 hundred thousand. 1506 01:18:38.359 --> 01:18:41.640 Yeah, I'm not sure of that. I'm not sure. I'm 1507 01:18:41.680 --> 01:18:44.439 not I'm not disputing it. I'm saying I'm not sure 1508 01:18:45.039 --> 01:18:49.000 because like, let's get Brent Ivanson or someone on. Okay, 1509 01:18:49.039 --> 01:18:51.439 but he doesn't do he doesn't know private loans, I 1510 01:18:51.439 --> 01:18:53.600 don't think, but we can ask him. You're right. And 1511 01:18:53.680 --> 01:18:58.000 here's the thing, Darryl, I have done. I have literally 1512 01:18:58.079 --> 01:19:00.680 done private loans. In fact, Mark and I have done 1513 01:19:00.720 --> 01:19:04.640 private loans. So Mark, we didn't charge ten percent, did we? 1514 01:19:05.880 --> 01:19:08.560 I think in a case like this, once again, the 1515 01:19:08.600 --> 01:19:13.399 biggest thing is if the collateral is there for me 1516 01:19:13.640 --> 01:19:16.840 to loan that money to him, how long would you 1517 01:19:16.880 --> 01:19:17.840 seriously need it? 1518 01:19:17.880 --> 01:19:20.720 Man? When when is it a guaranteed payback? But to 1519 01:19:20.720 --> 01:19:23.319 ask you can't ask for a ninety day. 1520 01:19:24.199 --> 01:19:27.039 Well, my note would be my note would be called 1521 01:19:27.079 --> 01:19:29.359 in whatever time, Tom. I mean, I'm not going to 1522 01:19:29.399 --> 01:19:30.760 sit on it for ten years. 1523 01:19:30.920 --> 01:19:33.319 No, but if you get listen, man, if you get 1524 01:19:33.359 --> 01:19:37.600 ten points, If you get ten points and you get 1525 01:19:37.800 --> 01:19:41.079 a decent interest rate, it would be hoofy to have 1526 01:19:41.159 --> 01:19:43.319 it out there for how long? How long would it 1527 01:19:43.359 --> 01:19:43.880 come back? 1528 01:19:45.199 --> 01:19:45.800 In March? 1529 01:19:47.439 --> 01:19:49.439 So, I mean he's talking four or five months, So 1530 01:19:49.479 --> 01:19:51.520 I would stick with what I said it would be. 1531 01:19:52.439 --> 01:19:55.560 It would be called do it that point, and you know, 1532 01:19:55.640 --> 01:19:58.720 if something happens and we talked, that's fine, But the 1533 01:19:58.800 --> 01:20:01.359 paperwork's not going to say that. But I would want 1534 01:20:01.439 --> 01:20:04.760 ten percent origination, and I wouldn't charge you any interest 1535 01:20:04.800 --> 01:20:06.640 for the five months I would get that. 1536 01:20:06.840 --> 01:20:10.920 Just the origination. That's different. That's a whole different ball game. 1537 01:20:10.960 --> 01:20:15.159 That's way fairer. So you're talking from basically a flat 1538 01:20:15.199 --> 01:20:18.319 fee loan for three months is why can't you. 1539 01:20:18.399 --> 01:20:21.359 Use his other farmer's collabse the loan five months? 1540 01:20:21.399 --> 01:20:25.399 I'm sorry, Tom, Yeah, but that's I mean, you're talking 1541 01:20:25.439 --> 01:20:28.000 ten percent, right, I mean you're talking ten percent. 1542 01:20:28.239 --> 01:20:31.479 But Darryl, why can't you use your other farm as 1543 01:20:31.520 --> 01:20:32.159 collateral for me? 1544 01:20:32.279 --> 01:20:33.880 You have the other farm land paid? 1545 01:20:35.000 --> 01:20:35.720 Yeah? 1546 01:20:36.239 --> 01:20:38.520 Okay, well can't that be well done? 1547 01:20:38.640 --> 01:20:40.880 And you have I'm telling you, Brent can give us 1548 01:20:40.880 --> 01:20:43.119 info on this. I know he doesn't do this kind 1549 01:20:43.119 --> 01:20:45.960 of stuff through ideal. Get me does do this stuff. 1550 01:20:45.960 --> 01:20:49.319 We'll get him on. Mark. I also have a ton 1551 01:20:49.359 --> 01:20:51.800 of investors that invest with me, and that's why I'm 1552 01:20:51.800 --> 01:20:52.640 asking this question. 1553 01:20:53.000 --> 01:20:55.279 I mean, I have all kinds of involved. How about 1554 01:20:55.319 --> 01:20:58.880 you know another good one might be Barry. I'm not 1555 01:20:58.920 --> 01:21:01.359 sure actually he I don't know if he does private 1556 01:21:01.399 --> 01:21:03.479 stuff like this. But here's what we're gonna do. We're 1557 01:21:03.479 --> 01:21:06.560 gonna ask Brent Ivinson. Let's get him on for my idea. 1558 01:21:06.600 --> 01:21:09.359 I'm just curious what other people, not whether they'll do 1559 01:21:09.439 --> 01:21:12.159 it or not, but what is the going rate or 1560 01:21:12.199 --> 01:21:13.079 something like this? 1561 01:21:13.239 --> 01:21:19.239 That's right, Darryl, if you truly have value, truly have value, 1562 01:21:19.279 --> 01:21:21.600 there's going to be no problem getting that money. 1563 01:21:23.640 --> 01:21:24.319 Yeah, I don't. 1564 01:21:24.399 --> 01:21:26.840 I mean, you're you know, you're talking ten percent. I 1565 01:21:27.000 --> 01:21:29.359 just I mean, I guess that's what really I was 1566 01:21:29.439 --> 01:21:30.720 fishing for more than anything. 1567 01:21:30.760 --> 01:21:32.640 Well, I don't know it's ten percent, Daryl, I don't 1568 01:21:32.640 --> 01:21:35.079 know what it's going to cost you. The bottom line 1569 01:21:35.119 --> 01:21:38.640 is I cannot tell you what an investor will expect 1570 01:21:39.159 --> 01:21:43.039 for one million dollars for what really turns out to 1571 01:21:43.079 --> 01:21:45.359 be a six month loan. You're looking for a six 1572 01:21:45.439 --> 01:21:48.199 month loan of one million dollars, isn't that it in 1573 01:21:48.279 --> 01:21:48.840 a nutshell? 1574 01:21:49.600 --> 01:21:49.880 Yeah? 1575 01:21:50.000 --> 01:21:53.319 Okay, so let's figure it out. Hold on, We'll ask 1576 01:21:53.399 --> 01:21:57.159 some people who do loans. I'll ask my finance people 1577 01:21:57.880 --> 01:22:01.359 at Wave eight Wealth Management. I'll ask him what, because 1578 01:22:01.399 --> 01:22:04.479 we have funds that do stuff like that, but certainly 1579 01:22:04.560 --> 01:22:08.720 not high risk. And it's land. Is Land is high 1580 01:22:08.760 --> 01:22:11.840 risk for a few reasons because there, while there is 1581 01:22:12.079 --> 01:22:16.319 value there, it also has to be purchased by someone 1582 01:22:16.760 --> 01:22:22.119 who can extract the value and then some in other words, 1583 01:22:22.239 --> 01:22:26.359 there are they're not plentiful buyers. The buyers have to 1584 01:22:26.359 --> 01:22:30.039 be able to take the land, subdivide the land, sell 1585 01:22:30.119 --> 01:22:33.920 the land. So that's why I'd be interested to know 1586 01:22:33.960 --> 01:22:37.399 about your developer and how solid has that developer who's 1587 01:22:37.439 --> 01:22:42.760 buying your land, have they done similar ventures? Yeah, okay, 1588 01:22:43.039 --> 01:22:45.199 it's it sounds like you're not a fool. It sounds 1589 01:22:45.199 --> 01:22:47.319 like you know what you're doing. So hold on. We'll 1590 01:22:47.359 --> 01:22:50.239 talk about that coming up, and if anyone has any ideas, 1591 01:22:50.279 --> 01:22:52.880 give us a call. Three h three seven to one 1592 01:22:52.960 --> 01:22:55.359 three Talks seven one three eight two five five one 1593 01:22:55.359 --> 01:22:57.880 Clear Choice Garage Doors for your garage door needs one 1594 01:22:58.000 --> 01:23:02.399 Clear Choice Doors dot Com a great company for all 1595 01:23:02.439 --> 01:23:05.239 of your garage Jordy that's the opener or any part 1596 01:23:05.279 --> 01:23:07.720 of the door, and all of their prices are on 1597 01:23:07.760 --> 01:23:16.800 the website. One Clear Choice Doors dot Com. Go with 1598 01:23:16.880 --> 01:23:20.439 a sure thing Denver's best roofer Excel Roofing dot com. 1599 01:23:20.479 --> 01:23:26.199 You don't pay a cent until you're content. Time for 1600 01:23:26.239 --> 01:23:30.000 an insurance check up free no obligation comparison call Compass 1601 01:23:30.039 --> 01:23:33.319 Insurance Paying too much your coverage at dozens of insurance 1602 01:23:33.359 --> 01:23:35.880 companies find out now three all three seven seven to 1603 01:23:35.920 --> 01:23:38.680 one help. You'll think you're his only customer when you 1604 01:23:38.760 --> 01:23:41.560 choose Frank durand Thereal estate man dot com to list 1605 01:23:41.600 --> 01:23:44.640 your home with Remax Alliance three all three nine two 1606 01:23:44.720 --> 01:23:51.159 zero sixteen twenty two. Hi Tom Martino, your troubleshooter three 1607 01:23:51.199 --> 01:23:54.159 all three seven one three talk three all three seven 1608 01:23:54.199 --> 01:23:57.520 one three eight two five five. Welcome to the Shultz 1609 01:23:58.039 --> 01:24:00.800 Keep going here. Brent Ivenson from my Deal Home Loans 1610 01:24:00.800 --> 01:24:04.279 one of our experts. He is an expert in the 1611 01:24:04.279 --> 01:24:06.920 loan industry, and even though they don't do private loans, 1612 01:24:07.359 --> 01:24:09.359 they know a lot of people and I bet you 1613 01:24:09.399 --> 01:24:13.399 they've participated before in the past with some things. Who knows. Brad, 1614 01:24:13.520 --> 01:24:17.840 Thanks for being here so as I know, you probably 1615 01:24:17.880 --> 01:24:20.399 get calls from people who need a private loan here 1616 01:24:20.439 --> 01:24:23.039 and there, and you've probably hooked him up with an investor. 1617 01:24:23.079 --> 01:24:25.399 Maybe not, but I know that you have to know 1618 01:24:25.479 --> 01:24:27.680 about them. And what we want to know is this. 1619 01:24:28.079 --> 01:24:30.359 We got a guy that owns a lot of property, 1620 01:24:30.640 --> 01:24:34.560 a lot of farmland in Weald County and he says 1621 01:24:34.640 --> 01:24:39.600 he has a contract with a developer for two hundred 1622 01:24:39.600 --> 01:24:42.920 and seventy acres for ten million bucks. Now, again, I 1623 01:24:42.920 --> 01:24:45.119 don't know the strength of the contract or the buyer 1624 01:24:45.319 --> 01:24:50.039 or anything. Darryl says he does know that the buyer 1625 01:24:50.520 --> 01:24:54.680 has done this before, has developed, So let's assume it's 1626 01:24:54.720 --> 01:24:57.640 a decent contract. Let's just assume that for argument's sake, 1627 01:24:58.119 --> 01:25:02.600 and he wants a bridge loan until closing closings five months, 1628 01:25:02.680 --> 01:25:05.640 So let's call it a six month loan of not 1629 01:25:05.760 --> 01:25:08.520 the ten million, but of one million of it. So 1630 01:25:08.880 --> 01:25:11.159 if he wanted to take two hundred and seventy acres 1631 01:25:12.000 --> 01:25:15.359 and he wanted to do a one million dollar loan 1632 01:25:15.439 --> 01:25:20.199 for six months, what do you think a lender, if 1633 01:25:20.600 --> 01:25:23.159 truly it a praise in all of that, what loan 1634 01:25:23.279 --> 01:25:26.199 to value do you think on a private loan on 1635 01:25:26.359 --> 01:25:30.600 vacant land would a lender be comfortable a private lender 1636 01:25:30.680 --> 01:25:31.560 be comfortable with. 1637 01:25:33.840 --> 01:25:36.600 You know, we don't see many of them on just land. 1638 01:25:37.079 --> 01:25:39.800 Normally, when we're dealing in that space, there's a dwelling 1639 01:25:39.800 --> 01:25:40.600 attached to it. 1640 01:25:40.960 --> 01:25:42.039 They're going to appraise the. 1641 01:25:42.079 --> 01:25:44.800 Dwelling and they'll get pretty aggressive on the loan to value, 1642 01:25:45.680 --> 01:25:48.520 you know, when we're dealing with the dwelling. So my 1643 01:25:48.600 --> 01:25:50.920 guess would be, if you're only looking at ten percent 1644 01:25:50.960 --> 01:25:53.640 of the appraised value or you know, the deal let's 1645 01:25:53.680 --> 01:25:56.039 call it, my guess would be you could go to 1646 01:25:56.359 --> 01:26:00.239 a private investor and probably get that done. You might 1647 01:26:00.279 --> 01:26:02.399 even be able to go to a local bank up 1648 01:26:02.399 --> 01:26:03.279 there that. 1649 01:26:03.199 --> 01:26:05.359 Would happen happening you know, you know that is a 1650 01:26:05.359 --> 01:26:07.840 good question, Darryl. Have you tried a bank? 1651 01:26:09.680 --> 01:26:14.279 Well, I haven't even It was just something that I'm just. 1652 01:26:14.239 --> 01:26:14.920 Starting to no. 1653 01:26:15.079 --> 01:26:20.199 I know you're just exploring this right now, Daryl, Yeah, yeah, Darryl, 1654 01:26:20.279 --> 01:26:23.479 all right, what about this? What about this? Brent asked 1655 01:26:23.479 --> 01:26:28.720 something and that is one tenth of the deal and 1656 01:26:29.119 --> 01:26:30.840 or you know, it's ten percent of the deal and 1657 01:26:30.880 --> 01:26:33.239 all of that, and you need it for about six months, 1658 01:26:33.640 --> 01:26:37.439 and so that all sounds and looks good where a 1659 01:26:37.560 --> 01:26:40.199 lender shouldn't have a problem. But I'm asking for loan 1660 01:26:40.239 --> 01:26:42.720 to value, Brent, would you think they would still want 1661 01:26:42.760 --> 01:26:45.359 fifty percent or sixty percent loan to value no more? 1662 01:26:45.640 --> 01:26:47.279 Or would they go eighty or ninety percent? 1663 01:26:48.479 --> 01:26:48.760 Tully. 1664 01:26:48.880 --> 01:26:51.279 We've had we've had numerous deals where again this is 1665 01:26:51.319 --> 01:26:54.239 on just a home, not a working farm, not a 1666 01:26:54.279 --> 01:26:57.159 bunch of acreage, where they'll go to you know, eighty 1667 01:26:57.199 --> 01:27:00.920 five and ninety percent on these deals. And again, the 1668 01:27:00.960 --> 01:27:03.680 way to think about this stuff, Tom, is these private 1669 01:27:03.680 --> 01:27:05.760 equity guys, they want their money out for a year 1670 01:27:05.760 --> 01:27:07.439 and then they want to back. So they're going to 1671 01:27:07.560 --> 01:27:09.920 charge you a fairly hefty interest rate for that year 1672 01:27:10.359 --> 01:27:12.760 to use that money, and then there is a balloon 1673 01:27:12.800 --> 01:27:14.279 at the end of that year that's got to get 1674 01:27:14.279 --> 01:27:14.720 paid back. 1675 01:27:15.119 --> 01:27:16.840 What do you think, what do you think the points 1676 01:27:16.880 --> 01:27:19.239 would be. Let's let's just talk points. What do you 1677 01:27:19.279 --> 01:27:22.720 think they would be? Or would it be just interest? 1678 01:27:23.560 --> 01:27:25.840 No, it would be interesting points, you know, and it 1679 01:27:25.920 --> 01:27:28.319 varies from deal to deal. You know, we've got a 1680 01:27:28.319 --> 01:27:30.680 handful of guys that we use, and you know, it 1681 01:27:30.960 --> 01:27:32.960 all depends on what their appetite is. 1682 01:27:33.000 --> 01:27:35.800 Brent I threw out there, Tell me what you think 1683 01:27:35.840 --> 01:27:36.079 of this. 1684 01:27:36.199 --> 01:27:37.600 Brent I threw out there. 1685 01:27:37.760 --> 01:27:41.920 Ten percent origination, six months deal, no interest. 1686 01:27:43.640 --> 01:27:45.399 Yeah, they're gonna charge They're not going to charge you 1687 01:27:45.439 --> 01:27:49.640 ten percent origination. They'll probably charge you three maybe four. 1688 01:27:49.680 --> 01:27:52.399 But then they're gonna want an interest on top of that. 1689 01:27:52.359 --> 01:27:53.880 That's right, while the money's out as well. 1690 01:27:54.000 --> 01:27:56.760 Yeah, so what would that interest be? Do you think 1691 01:27:56.880 --> 01:27:57.880 just from what you're. 1692 01:27:57.760 --> 01:27:59.720 Hearing, typically ten to eleven percent? 1693 01:28:00.039 --> 01:28:02.800 Okay, so I mean my deal is better? Yeah, yeah, that. 1694 01:28:02.760 --> 01:28:06.359 Would be You're right, I agree is better. 1695 01:28:06.520 --> 01:28:09.640 But but brent I also said this with vacant land, 1696 01:28:09.640 --> 01:28:11.760 you have to have a special buyer if you want 1697 01:28:11.760 --> 01:28:13.600 to get a million dollars back on two hundred and 1698 01:28:13.640 --> 01:28:16.319 seventy acres even though it's worth way more. It's only 1699 01:28:16.359 --> 01:28:22.119 worth way more after development. I mean, not not after development, 1700 01:28:22.319 --> 01:28:26.239 but if you have the capacity to develop. And that's 1701 01:28:26.239 --> 01:28:30.520 a rare buyer and and really that it's not as 1702 01:28:30.600 --> 01:28:34.079 locked as you might think it is. But anyway, I 1703 01:28:34.119 --> 01:28:37.840 appreciate your time. That's Brent Ivanson, Ideal Home Loans dot 1704 01:28:37.880 --> 01:28:40.479 Com three h three eighth sixty seven seven thousand. So 1705 01:28:40.640 --> 01:28:41.640 back to you, Darryl. 1706 01:28:42.720 --> 01:28:44.479 Yeah, so so there's the cod. 1707 01:28:44.520 --> 01:28:45.520 So here's my question. 1708 01:28:45.720 --> 01:28:48.159 Yes, knowing, yeah, not knowing anything. 1709 01:28:48.319 --> 01:28:53.199 So does the does the contract mean anything? 1710 01:28:53.600 --> 01:28:57.439 Yes? Yes it does, Yes it does. It means that 1711 01:28:57.479 --> 01:28:59.920 they're going to be paid back if it's a solid contract. 1712 01:29:00.279 --> 01:29:04.039 It absolutely does. Now did you say you had earnest 1713 01:29:04.079 --> 01:29:05.199 money on that contract? 1714 01:29:07.119 --> 01:29:07.359 Yes? 1715 01:29:07.399 --> 01:29:09.039 I got, Yes, I did. I had. 1716 01:29:09.119 --> 01:29:14.439 I had non refundable earnest money up front that has 1717 01:29:14.520 --> 01:29:19.399 already went in and out of escrow and it was 1718 01:29:19.479 --> 01:29:20.319 non refundable. 1719 01:29:20.439 --> 01:29:22.439 And how much was that? I just want to know. 1720 01:29:22.479 --> 01:29:26.560 That'll tell us how serious the buyer is. Five hundred 1721 01:29:26.600 --> 01:29:29.960 thousand man, Daryl, This sounds like a solid deal to me. 1722 01:29:30.439 --> 01:29:32.840 It does if you have somebody who put up five 1723 01:29:32.920 --> 01:29:36.000 hundred grand that was yours to keep, they're they're going 1724 01:29:36.039 --> 01:29:37.840 to close, they're going to close. 1725 01:29:38.239 --> 01:29:40.560 Well that that's the reason why I did it, Tom, 1726 01:29:40.720 --> 01:29:43.600 because I said, I'm not gonna I'm not going to 1727 01:29:43.680 --> 01:29:47.119 put this thing out for because it's a year that 1728 01:29:47.439 --> 01:29:49.960 it started out. That's what it was from start to 1729 01:29:50.039 --> 01:29:52.680 finishes a year. And I said, I'm not gonna. I'm 1730 01:29:52.680 --> 01:29:56.239 not going to do this without hard money. That I 1731 01:29:56.399 --> 01:29:58.039 know that you're serious, Darryl. 1732 01:29:58.399 --> 01:30:00.479 Darryl, you're a smart man here. I want to ask 1733 01:30:00.520 --> 01:30:04.319 something else that'll tell you their seriousness to close, because 1734 01:30:04.439 --> 01:30:07.760 I have walked away from hard money before because I 1735 01:30:07.920 --> 01:30:11.239 did some due diligence and it was the wiser move 1736 01:30:11.640 --> 01:30:13.920 than to move forward. Now, I didn't put up five 1737 01:30:14.000 --> 01:30:17.880 hundred grand, but I have walked away from two hundred 1738 01:30:17.920 --> 01:30:21.520 before on a big project because of the due diligence. 1739 01:30:21.560 --> 01:30:26.680 So my next question is this, what due diligence did 1740 01:30:26.760 --> 01:30:27.560 they conduct? 1741 01:30:29.600 --> 01:30:33.159 Well, they've done quite a bit already. 1742 01:30:34.640 --> 01:30:36.760 Have they been to the county. Have they been to 1743 01:30:36.840 --> 01:30:38.640 the county with a put Yeah? 1744 01:30:40.279 --> 01:30:45.319 Well, actually this is in the city limits. 1745 01:30:45.000 --> 01:30:46.960 Oh in Greeley. 1746 01:30:47.039 --> 01:30:52.359 In Greeley, Okay, so they've already went to they've already 1747 01:30:52.359 --> 01:30:56.000 went through planning and zoning and the process. 1748 01:30:56.079 --> 01:31:01.279 Darryl, leave your number with, Leave your number with. You're 1749 01:31:01.319 --> 01:31:03.479 a real This is a real deal in my opinion. 1750 01:31:03.760 --> 01:31:07.439 I mean, just what I'm hearing. I'll look into it, Okay, Darryl, 1751 01:31:07.560 --> 01:31:10.920 I'll look into it. I would I also appreciate it. 1752 01:31:10.960 --> 01:31:17.840 I would also advise this and listen carefully. I think 1753 01:31:17.960 --> 01:31:24.239 you should try first. Conventional means it'll be cheaper for you. 1754 01:31:24.800 --> 01:31:25.840 Try that first. 1755 01:31:25.920 --> 01:31:29.039 Well, like I said, I you know, marks ten percent, 1756 01:31:29.119 --> 01:31:31.119 he'd have to come work on the farm for free 1757 01:31:31.199 --> 01:31:32.000 for six months. 1758 01:31:32.319 --> 01:31:35.279 Yeah, no, no, no, you know what, when you think 1759 01:31:35.279 --> 01:31:38.279 about what he was saying, he's talking about one hundred grand. Okay, 1760 01:31:38.399 --> 01:31:40.880 you can just break that down pretty easily. One hundred 1761 01:31:40.880 --> 01:31:44.199 grand divided by six right, and that's what you're talking 1762 01:31:44.239 --> 01:31:50.600 about is sixteen grand and sixteen almost seventeen grand a month. Okay, 1763 01:31:50.880 --> 01:31:53.720 so you have to just admortize that. See what it is. 1764 01:31:54.439 --> 01:31:56.479 That is a little high. And I hate to tell 1765 01:31:56.520 --> 01:31:58.279 it to both of you. I don't think it's high 1766 01:31:58.359 --> 01:32:01.800 right now, Okay, well, did you do that? 1767 01:32:02.279 --> 01:32:02.600 Hold on? 1768 01:32:02.920 --> 01:32:05.760 Hold on, no, no, no, no, no, no, no, no, did 1769 01:32:05.800 --> 01:32:07.600 you do the percentage on it. I haven't done the 1770 01:32:07.640 --> 01:32:10.479 percentage yet. If you take a million dollars and you 1771 01:32:10.600 --> 01:32:16.520 take sixteen thousand a month amortone be twenty percent. Yeah, 1772 01:32:16.520 --> 01:32:20.399 but you're only talking six months, right, Yeah, that's why 1773 01:32:20.439 --> 01:32:26.680 it would be twenty percent. Anyway, here's the deal. I 1774 01:32:26.720 --> 01:32:31.159 think that's highway robbery in my opinion, Daryl. If you're asking, well, 1775 01:32:31.399 --> 01:32:34.520 I that's reaan why I said he's gonna I sound 1776 01:32:34.600 --> 01:32:37.159 we sound like this. We sound like the shark tank 1777 01:32:37.239 --> 01:32:39.560 now where Mark and I are arguing over the deal. 1778 01:32:40.000 --> 01:32:42.000 I'll give you this, and I'll give you this, and 1779 01:32:42.079 --> 01:32:45.840 I'll give you a BackRub. Hey, Darryl, listen, man, seriously 1780 01:32:45.920 --> 01:32:49.920 leave your information and uh but I implore you to 1781 01:32:50.119 --> 01:32:56.199 explore local conventional banks. Okay, I'm Tom Martinez. We have 1782 01:32:56.279 --> 01:33:03.920 more coming right up on the Troubleshooter Show. Go with 1783 01:33:04.000 --> 01:33:07.560 a sure thing Denver's Best Roofer Excel roofing dot com. 1784 01:33:07.600 --> 01:33:13.239 You don't pay a cent until you're content, wait time 1785 01:33:13.279 --> 01:33:16.560 for an insurance check up free no obligation comparison call 1786 01:33:16.680 --> 01:33:20.000 Compass Insurance paying too much your coverage at dozens of 1787 01:33:20.000 --> 01:33:22.960 insurance companies find out now three all three seven seven 1788 01:33:22.960 --> 01:33:25.760 to one. Help. You'll think you're his only customer when 1789 01:33:25.760 --> 01:33:28.239 you choose Frank durand the real estate man dot com 1790 01:33:28.279 --> 01:33:31.399 to list your home with Remax Alliance three all three 1791 01:33:31.479 --> 01:33:40.039 nine two zero sixteen twenty two. Hi Tom Martine here 1792 01:33:40.119 --> 01:33:44.039 three all three seven one three talk three all three 1793 01:33:44.199 --> 01:33:48.479 seven one three eight two five five All right, did 1794 01:33:48.520 --> 01:33:50.520 you get that guy's information? I'll bet you there are 1795 01:33:50.520 --> 01:33:52.640 a lot of private investors that would be interested in 1796 01:33:52.680 --> 01:33:56.119 that one. Yep, I emailed it to you. Thank you. Now, 1797 01:33:56.920 --> 01:33:59.479 Deputy Bo's got a follow up. But lo let me 1798 01:33:59.520 --> 01:34:05.600 take a Andrew first. Deputy Andrew, you have an issue 1799 01:34:05.920 --> 01:34:09.680 with Okay, this is for Kevin. It's a twenty thirteen 1800 01:34:10.199 --> 01:34:15.720 f one fifty. Go ahead, Andrew talk to us. There 1801 01:34:15.720 --> 01:34:20.000 you go, yeah, Andrew, go ahead. Are you there? He's 1802 01:34:20.000 --> 01:34:22.359 not there? Okay, I'm gonna put him on a hold. 1803 01:34:22.439 --> 01:34:24.319 Check him. I thought he was there. I'm gonna take 1804 01:34:24.319 --> 01:34:27.880 Bo Bo. What's going on with champ Hyundai? When was 1805 01:34:27.920 --> 01:34:30.279 that from? From December eleventh? 1806 01:34:31.199 --> 01:34:31.439 Yeah? 1807 01:34:31.479 --> 01:34:35.279 This was last Wednesday. Mar Major was the host. Okay, 1808 01:34:36.600 --> 01:34:41.239 so this one's not turning out good at all? Oh Kat, Yeah, 1809 01:34:41.239 --> 01:34:45.479 it's bad. Kenny took his twenty twelve Hyundai in. He 1810 01:34:45.600 --> 01:34:53.079 had battery issues, so they replaced the harness wiring harness, 1811 01:34:53.600 --> 01:34:56.960 charged him a thousand dollars, took the vehicle out, drove 1812 01:34:57.000 --> 01:35:00.079 it and only drove like four or five miles and 1813 01:35:00.079 --> 01:35:02.119 a battery totally drained. 1814 01:35:02.439 --> 01:35:05.399 It's not hybrid, tom, So you understand what we're talking about. 1815 01:35:05.560 --> 01:35:08.399 Okay, So twelvenday hybrid? 1816 01:35:09.079 --> 01:35:11.439 Okay, okay, so go ahead. 1817 01:35:12.119 --> 01:35:14.640 So he took the car back and then they said 1818 01:35:14.720 --> 01:35:20.079 he needed a belt tension or kit. That was eleven dollars. 1819 01:35:20.159 --> 01:35:24.079 He gave me the authorization to do that. So during 1820 01:35:24.159 --> 01:35:27.399 all of this, one of the technicians that this dealership 1821 01:35:27.520 --> 01:35:31.720 told Kenny, hey, we think he's of the text opinion 1822 01:35:31.720 --> 01:35:35.479 that it's the battery. The battery loss is l and 1823 01:35:35.560 --> 01:35:38.960 that's what I tend to think. 1824 01:35:39.079 --> 01:35:42.479 What was the original job again, did you say it 1825 01:35:42.560 --> 01:35:47.119 was only it was only holding ten percent charge or no, 1826 01:35:47.239 --> 01:35:48.920 that's not true. Here's what would happen. 1827 01:35:49.199 --> 01:35:52.600 The battery would charge up, but it would be completely 1828 01:35:52.720 --> 01:35:54.279 dead within ten miles. 1829 01:35:54.359 --> 01:35:57.239 It was due to a charging issue, okay. And then 1830 01:35:57.720 --> 01:36:01.920 that's when they started removed and replacing. So what happened? 1831 01:36:01.920 --> 01:36:03.199 What ended up happening. 1832 01:36:03.279 --> 01:36:07.479 Now the dealership has told him that there's a noise 1833 01:36:07.520 --> 01:36:10.479 in the transmission and in order to make the vehicle light, 1834 01:36:10.560 --> 01:36:16.399 they want to replace the transmission. Kenny says, the transmission 1835 01:36:16.399 --> 01:36:18.800 has nothing to do with it. Your text said, it's 1836 01:36:18.840 --> 01:36:22.279 a battery issue. I have a lifetime work on a battery. 1837 01:36:22.279 --> 01:36:24.159 I want you guys to replace the battle. 1838 01:36:24.199 --> 01:36:27.199 How much did he spend up to this point twenty 1839 01:36:27.279 --> 01:36:31.880 two hundred and still he still had the problem. 1840 01:36:32.239 --> 01:36:35.840 The car is still at the shop. They have chomp 1841 01:36:35.960 --> 01:36:39.840 one day. They will not work, they will not look 1842 01:36:39.880 --> 01:36:42.760 at the battery issue, and they're not going to do 1843 01:36:42.840 --> 01:36:46.039 anything until he agrees to replace the battery. 1844 01:36:46.479 --> 01:36:49.159 So Tom, wait, wait, wait you mean agree to replace 1845 01:36:49.199 --> 01:36:50.279 the transmission. 1846 01:36:50.640 --> 01:36:52.039 I'm sorry to be transmission. 1847 01:36:52.119 --> 01:36:54.479 Yes, sorry, Yeah, but they took twenty five hundred bucks 1848 01:36:54.520 --> 01:36:56.239 before they've did the transmion. 1849 01:36:56.279 --> 01:36:58.239 Now here's what I want to know. Is there a 1850 01:36:58.279 --> 01:37:01.720 way we can just have that independent evaluated by another dealer? 1851 01:37:02.640 --> 01:37:04.880 Absolutely, that's a great, that's a great. 1852 01:37:04.960 --> 01:37:07.359 Yeah, but he's gonna be he's when he picks it up. 1853 01:37:07.359 --> 01:37:09.600 I assume he's got to pay whatever he owes there now. 1854 01:37:09.680 --> 01:37:11.439 Yeah, but I don't think we'll have a problem getting 1855 01:37:11.479 --> 01:37:14.039 it back if it turns out they were full of crap. 1856 01:37:14.880 --> 01:37:17.560 Look who we're dealing with. Well small claims called Mark 1857 01:37:17.600 --> 01:37:20.199 for twenty two hundred. I think that's true. I think 1858 01:37:20.359 --> 01:37:22.560 I think he'd win if we can get it to 1859 01:37:22.640 --> 01:37:25.399 a good place, and we know some good Hyundai places 1860 01:37:25.439 --> 01:37:27.000 like McDonald Hyundai. 1861 01:37:28.159 --> 01:37:32.840 Yeah, I called. I called the service manager three times, 1862 01:37:33.720 --> 01:37:36.359 and on the fourth time, I said, look, we're gonna go. 1863 01:37:36.439 --> 01:37:38.359 I'm gonna have that. Can you go to the dealer 1864 01:37:38.399 --> 01:37:39.640 board if you can, I can. 1865 01:37:39.680 --> 01:37:41.359 I just tell you this, bro. Let me just tell 1866 01:37:41.399 --> 01:37:43.880 you something. First of all, the dealer board's dealing only 1867 01:37:43.920 --> 01:37:46.479 with They don't deal with service. They deal only in sales. 1868 01:37:46.840 --> 01:37:51.640 But let me tell you about Schamp. They suck. Schamp 1869 01:37:51.800 --> 01:37:55.319 is a terrible organization. Now, Schamp used to be a 1870 01:37:55.319 --> 01:37:59.560 great organization. That's what's sad about it. The kids took 1871 01:37:59.600 --> 01:38:03.840 it over. No, No, when the mom owned it, Lisa, 1872 01:38:04.159 --> 01:38:08.079 Actually the dad had it originally, Ralph. Now then it 1873 01:38:08.119 --> 01:38:11.159 went to Lisa, and then Lisa I think, sent it 1874 01:38:11.199 --> 01:38:17.279 to her son, which was basically unfortunate. Her son's a 1875 01:38:17.319 --> 01:38:18.119 freaking idiot. 1876 01:38:18.800 --> 01:38:22.119 All right, Well, the car doesn't want to really pay 1877 01:38:22.159 --> 01:38:25.239 to pay the twenty two hundred tom because he feels 1878 01:38:25.239 --> 01:38:31.560 that this wiring, harness and belt tensioner didn't solve the problem. 1879 01:38:31.600 --> 01:38:33.800 It's still the battery just trained out. 1880 01:38:34.039 --> 01:38:36.680 Are they looking? Would they let him go and get 1881 01:38:36.720 --> 01:38:37.279 it checked? 1882 01:38:37.760 --> 01:38:41.279 Probably not now now without paying the bill. I talked 1883 01:38:41.319 --> 01:38:46.560 to the Pete rash that he's this service manager. I 1884 01:38:46.640 --> 01:38:48.720 called it on a back door number. He picked up 1885 01:38:48.760 --> 01:38:50.600 the phone. He's very rude to me. He says, I'm 1886 01:38:50.640 --> 01:38:52.960 not talking to you till we talked to our corporate 1887 01:38:53.039 --> 01:38:55.479 attorneys back east, and I go, oh. 1888 01:38:55.319 --> 01:38:57.600 Wait, wait wait wait wait wait wait wait wait wait 1889 01:38:57.640 --> 01:39:01.279 back you so wait? Maybe out of there too? Now? 1890 01:39:02.760 --> 01:39:04.760 Is that the sense you got? They don't eat shomps? 1891 01:39:04.840 --> 01:39:05.239 Night him? 1892 01:39:05.319 --> 01:39:07.319 I mean he had he had to go back He's 1893 01:39:07.359 --> 01:39:09.760 to talk to a corporate attorney and said, we don't 1894 01:39:09.800 --> 01:39:12.239 need to talk to an attorney. Let's just help your 1895 01:39:12.399 --> 01:39:14.560 customer that has had the car in here for several 1896 01:39:14.600 --> 01:39:17.720 weeks and addressed the battery issue, and he just basically 1897 01:39:17.800 --> 01:39:19.960 hung up on me once I told him who I was. 1898 01:39:20.239 --> 01:39:24.239 Okay, it's it's I have a feeling that this is 1899 01:39:24.279 --> 01:39:28.319 not I mean, does shamp still own shomp doesn't do anybody? 1900 01:39:28.600 --> 01:39:32.279 Does anybody know? I actually don't know. We have to 1901 01:39:32.279 --> 01:39:33.039 figure this out. 1902 01:39:33.239 --> 01:39:36.199 I have a feeling he don't, cause their customer service sucks. 1903 01:39:36.479 --> 01:39:39.119 Well it ok A, yeah, that's hard to say because 1904 01:39:39.279 --> 01:39:42.039 it always sucked. I mean after the sun took over. 1905 01:39:42.159 --> 01:39:45.000 So it's either sucking more or sucking less. I don't know. 1906 01:39:46.159 --> 01:39:50.720 This is terrible. The message here though, for everyone avoids shomp. 1907 01:39:51.199 --> 01:39:57.479 They suck. That's all I can say. I mean, what 1908 01:39:57.520 --> 01:39:58.279 else can we do? 1909 01:39:58.720 --> 01:40:01.439 But I mean I guess here he'll have to try 1910 01:40:01.439 --> 01:40:03.399 and maybe pay the bail and to get the car. 1911 01:40:03.520 --> 01:40:04.039 Do the car. 1912 01:40:04.119 --> 01:40:07.680 Yeah, he can always go back and try to get 1913 01:40:08.159 --> 01:40:11.760 some kind of resolution if it turns out they were 1914 01:40:11.800 --> 01:40:14.079 full of horse crap. Do you think they were full 1915 01:40:14.119 --> 01:40:15.079 of horse crap. 1916 01:40:15.680 --> 01:40:17.039 With these two repairs? 1917 01:40:17.159 --> 01:40:18.039 Yeah? 1918 01:40:18.119 --> 01:40:20.319 Yeah, they It didn't solve the problem, he. 1919 01:40:20.640 --> 01:40:25.640 Has the Yeah, but sometimes just so you know, sometimes 1920 01:40:26.760 --> 01:40:29.399 it's they need more than one thing, right Kevin? 1921 01:40:29.479 --> 01:40:31.920 Well, yeah, but why weren't they worried about the transmission 1922 01:40:31.960 --> 01:40:35.239 noise before they charge them twenty two hundred bucks? They're 1923 01:40:35.279 --> 01:40:37.640 worried about it now that they won't warranty his battery. 1924 01:40:38.520 --> 01:40:40.399 But they certainly didn't bring it up before they church. 1925 01:40:40.560 --> 01:40:44.600 Yeah, they're totally unreasonable, right, yeah, right, they want to 1926 01:40:44.640 --> 01:40:47.039 replace the transmission and what does that have. 1927 01:40:47.000 --> 01:40:49.479 To do with the flipping battery? I get it, and 1928 01:40:49.520 --> 01:40:50.960 they won't address the battery. 1929 01:40:51.920 --> 01:40:52.760 He needs to get it out of it. 1930 01:40:52.840 --> 01:40:54.800 I got to take I gotta take this break though, 1931 01:40:55.000 --> 01:40:58.520 uh three all three seven one three eight two five five. 1932 01:40:58.560 --> 01:41:01.119 Compass Insurance Group into a insurance check up to make 1933 01:41:01.119 --> 01:41:03.159 sure you're not paying too much, you're not under insured 1934 01:41:03.439 --> 01:41:06.800 or maybe even over insured. It's all free and complementary 1935 01:41:07.159 --> 01:41:09.359 due to Compass and the show three oh three nine 1936 01:41:09.479 --> 01:41:18.880 nine six nine thousand the Insurancehealthcenter dot com. Go with 1937 01:41:18.960 --> 01:41:22.560 a sure thing Denver's Best roofer Excel Roofing dot com. 1938 01:41:22.600 --> 01:41:28.319 You don't pay a cent until you're content time for 1939 01:41:28.359 --> 01:41:31.560 an insurance check up, free, no obligation. In comparison, call 1940 01:41:31.640 --> 01:41:34.960 Compass Insurance paying too much your coverage at dozens of 1941 01:41:35.000 --> 01:41:37.920 insurance companies find out now three oh three seven seven 1942 01:41:37.960 --> 01:41:40.680 to one help. You'll think you're his only customer when 1943 01:41:40.760 --> 01:41:43.239 you choose Frank durand the real estate Man dot com 1944 01:41:43.239 --> 01:41:46.359 to list your home with Remax Alliance three oh three 1945 01:41:46.439 --> 01:41:52.479 nine two zero sixteen twenty two. Hi, Tom Martine here 1946 01:41:52.520 --> 01:41:56.039 three oh three seven one three talk seven one three 1947 01:41:56.039 --> 01:42:01.279 eight two five five. I want to talk to you. Uh, 1948 01:42:01.800 --> 01:42:04.680 he's been waiting. Well, Deputy Bow. Oh, well we talked 1949 01:42:04.680 --> 01:42:06.359 to Deputy Bow. What are we going to do about that? 1950 01:42:06.399 --> 01:42:10.119 I mean, I don't really know yet. We're going to 1951 01:42:10.199 --> 01:42:14.039 have to try to figure out. Maybe he pays, he. 1952 01:42:14.119 --> 01:42:16.039 Don't have to pay the bill and get it moved. 1953 01:42:15.840 --> 01:42:18.279 And pays by credit card, can contest it as well. 1954 01:42:19.920 --> 01:42:24.680 Andrew is back. Andrew, you have hot air. You have 1955 01:42:24.720 --> 01:42:26.760 hot air blowing out of the driver's side on your 1956 01:42:26.800 --> 01:42:27.840 f one fifty. 1957 01:42:28.920 --> 01:42:33.520 Yeah, fifty. I can only get heats on the driver's 1958 01:42:33.520 --> 01:42:34.199 side right now. 1959 01:42:35.159 --> 01:42:37.319 Kevin, you say this, I think you take one of 1960 01:42:37.319 --> 01:42:40.079 these every week. About Blend, the Blend and Mote doors. 1961 01:42:40.159 --> 01:42:43.159 You know, there's so many different actuators and doors inside there, 1962 01:42:43.199 --> 01:42:44.600 the direct air different places. 1963 01:42:44.880 --> 01:42:46.920 The fact that you're getting hot air somewhere means the 1964 01:42:46.960 --> 01:42:47.800 heater core is working. 1965 01:42:47.880 --> 01:42:51.960 Yep, yep, yeah, you're just losing the only only one 1966 01:42:52.000 --> 01:42:54.399 eater is it vacuum operated? 1967 01:42:54.600 --> 01:42:56.800 Are those electric? 1968 01:42:56.880 --> 01:43:00.319 Little actuators sit on top of the doors. The door 1969 01:43:00.359 --> 01:43:01.840 has like a stem on it and the little motor 1970 01:43:01.840 --> 01:43:04.119 will turn the door open or closed or halfway and 1971 01:43:04.159 --> 01:43:07.439 so forth. So probably it's an actuator ninety percent of 1972 01:43:07.479 --> 01:43:07.800 the time. 1973 01:43:09.279 --> 01:43:11.640 So I've got the floor shifter? 1974 01:43:11.880 --> 01:43:12.520 Is that? 1975 01:43:12.560 --> 01:43:14.600 Am I just going to have to tear everything apart. 1976 01:43:14.399 --> 01:43:14.920 To get to it? 1977 01:43:15.159 --> 01:43:16.960 You know, I've got to look at a diagram because 1978 01:43:16.960 --> 01:43:19.119 there's so many different ones. Some you can actually we 1979 01:43:19.199 --> 01:43:21.359 call it gumby. I got one guy's got real skinny 1980 01:43:21.359 --> 01:43:24.640 flexible arms. He gets up in there. Uh so you can. 1981 01:43:24.720 --> 01:43:26.600 Some you can get without pulling it aparts. Some you 1982 01:43:26.640 --> 01:43:27.720 got to pull the whole dash out. 1983 01:43:27.840 --> 01:43:31.039 Yeah, no, yep, are you doing it yourself? Are you 1984 01:43:31.119 --> 01:43:32.560 doing it yourself? Andrew? 1985 01:43:33.800 --> 01:43:36.920 It depends on I mean, I'll bring it into him. 1986 01:43:36.840 --> 01:43:39.079 And have to look it up on YouTube. You know. 1987 01:43:39.119 --> 01:43:41.600 They'll give you some general ideas. 1988 01:43:41.239 --> 01:43:43.439 And give me a general idea from what to what? 1989 01:43:43.640 --> 01:43:45.359 Well, I don't know. I mean it could be one 1990 01:43:45.399 --> 01:43:48.039 hundred bucks to you know, plus the actuator upwards to 1991 01:43:48.079 --> 01:43:50.800 eight to twelve hundred bucks. That's a huge spread. 1992 01:43:50.560 --> 01:43:51.399 Because of the parts. 1993 01:43:51.680 --> 01:43:54.399 No, because one one you can get to like through 1994 01:43:54.439 --> 01:43:55.039 the glove box. 1995 01:43:55.079 --> 01:43:57.119 You take a let glove box, That's what I'm asking. 1996 01:43:57.079 --> 01:43:58.680 And another the next one though you have to pull 1997 01:43:58.720 --> 01:43:59.760 the entire dash out. 1998 01:44:00.000 --> 01:44:02.520 And get to it as a few hundred If you can't. 1999 01:44:02.239 --> 01:44:04.840 It been twelve to fifteen hundred bucks. Yeah, because of 2000 01:44:04.880 --> 01:44:08.159 the labor. Yep, yeah, yep, there's your range, bro. I 2001 01:44:08.640 --> 01:44:11.520 hope these but you can find out with the VIN 2002 01:44:11.640 --> 01:44:12.399 number or something. 2003 01:44:12.600 --> 01:44:14.199 Well, yeah, we did. We did get a look at 2004 01:44:14.199 --> 01:44:14.960 it today. 2005 01:44:15.039 --> 01:44:16.600 You have them take a look at it. Won't cost 2006 01:44:16.640 --> 01:44:19.319 you anything on Tom Martino three oh three seven one 2007 01:44:19.359 --> 01:44:21.600 three talks seven one three eight two five five. We 2008 01:44:21.720 --> 01:44:24.960 got another two hours ago on the Troubleshooter Show. Solving problems, 2009 01:44:24.960 --> 01:44:32.800 answering questions, taking complaints. Go with a sure thing Denvers 2010 01:44:32.840 --> 01:44:35.720 Best Roofer, Excel Roofing dot com. You don't pay a 2011 01:44:35.800 --> 01:44:41.920 cent until you're contenth time for an insurance check up, 2012 01:44:42.039 --> 01:44:46.039 free no obligation comparison call Compass Insurance paying too much 2013 01:44:46.239 --> 01:44:49.159 your coverage at dozens of insurance companies find out now 2014 01:44:49.239 --> 01:44:51.520 three oh three seven to seven to one help. You'll 2015 01:44:51.560 --> 01:44:54.279 think you're his only customer when you choose Frank durand 2016 01:44:54.279 --> 01:44:56.760 the real estate Man dot com to list your home 2017 01:44:56.960 --> 01:44:59.960 with Remax Alliance three oh three nine two zero sixty 2018 01:45:00.159 --> 01:45:01.399 twenty two. 2019 01:45:01.479 --> 01:45:11.439 Yeah ripped up new need advice. Who you don't have, 2020 01:45:13.680 --> 01:45:14.960 come running just. 2021 01:45:14.880 --> 01:45:16.159 As fast as we can. 2022 01:45:17.000 --> 01:45:19.640 Shooter's gonna help come. 2023 01:45:19.960 --> 01:45:26.119 Man six is the Troubleshooter Show. Now, Tom Martino, Hey. 2024 01:45:26.239 --> 01:45:28.840 Tom Martino here, Welcome to the show. Three all three 2025 01:45:29.159 --> 01:45:32.399 seven one three talk is the local number here in 2026 01:45:32.439 --> 01:45:34.239 the studio. You can call directly, or you can call 2027 01:45:34.359 --> 01:45:36.880 twenty four to seven three oh three Martino and you'll 2028 01:45:36.920 --> 01:45:39.399 get through when we're here. Three oh three six two 2029 01:45:39.479 --> 01:45:45.399 seven eight four six six. Before the end of the 2030 01:45:45.479 --> 01:45:48.479 last hour, I was talking about, Uh, the monsters are 2031 01:45:48.600 --> 01:45:52.399 due on Maple Street a Twilight Zone episode where aliens 2032 01:45:53.840 --> 01:45:58.199 disrupted the power in this neighborhood Maple Street and isolated 2033 01:45:58.199 --> 01:46:02.279 the people and I think their cars wouldn't run or anything, 2034 01:46:02.319 --> 01:46:06.199 so they're all isolated. And then they started casting suspicion 2035 01:46:06.279 --> 01:46:09.319 on each other as to who caused her, what they're 2036 01:46:09.319 --> 01:46:12.880 all about, and how weird they are, and the the 2037 01:46:12.960 --> 01:46:15.680 whole theme of the of the of the whole thing 2038 01:46:15.800 --> 01:46:21.680 was that aliens did this on purpose, and the neighborhood 2039 01:46:21.760 --> 01:46:26.159 devolves into chaos, and then they say to each other 2040 01:46:27.600 --> 01:46:31.840 how easy it is to manipulate humans into self destruction 2041 01:46:32.560 --> 01:46:37.600 and paranoia and suspicion of each other. And they say, 2042 01:46:37.880 --> 01:46:39.479 now all we have to do is do this in 2043 01:46:39.560 --> 01:46:43.239 other streets. And so with the when and when, I 2044 01:46:43.239 --> 01:46:47.279 I remember hearing about the the drones, and people are saying, oh, 2045 01:46:47.279 --> 01:46:49.800 it's this, it's that, it's the cartel, it's the government, 2046 01:46:49.840 --> 01:46:54.039 it's uh whatever. There's there's a million theories, and I'm 2047 01:46:54.079 --> 01:46:59.039 thinking there's some aliens watching saying, hmm, this doesn't take much. 2048 01:46:59.239 --> 01:47:02.359 Remember the one to Serve Man that was the best 2049 01:47:02.720 --> 01:47:03.760 Twilight Zone. 2050 01:47:03.640 --> 01:47:07.039 Serf man to serve s the rve Well just I 2051 01:47:07.079 --> 01:47:09.680 don't may not know the title, but what was it about. 2052 01:47:09.880 --> 01:47:12.479 Well, these aliens came down and they did all these 2053 01:47:12.520 --> 01:47:15.279 great things to the humanity and then they said, you 2054 01:47:15.279 --> 01:47:17.880 know what, if you like it here, you can go 2055 01:47:17.960 --> 01:47:20.399 back to our planet. It'll even be better. And they 2056 01:47:20.439 --> 01:47:23.159 have this book that said to serve Man and it 2057 01:47:23.199 --> 01:47:24.520 turned out to be a cookbook. 2058 01:47:25.159 --> 01:47:27.960 Oh god, how ridiculous. 2059 01:47:28.000 --> 01:47:29.760 But that was a true Twilight episode. 2060 01:47:30.000 --> 01:47:35.720 I truly loved the episodes of Twilight Zone. How about 2061 01:47:35.720 --> 01:47:41.159 the one where you see these people talking about you 2062 01:47:41.800 --> 01:47:46.600 see these people talking over a patient. Oh yeah, and 2063 01:47:46.760 --> 01:47:52.680 she's being unwrapped after plastic surgery, and you just hear 2064 01:47:52.800 --> 01:47:56.239 voices and you can see and you're seeing through the 2065 01:47:56.279 --> 01:47:59.920 eyes of the patient as the as the mummy is 2066 01:48:00.039 --> 01:48:03.720 being unwrapped, how hers her raps are coming off, and 2067 01:48:03.720 --> 01:48:08.479 it's getting lighter and lighter, and they say we and 2068 01:48:08.520 --> 01:48:12.800 one nurse you can hear saying, I hope we've taken 2069 01:48:12.840 --> 01:48:19.840 away her hideous looks, and let's hope this worked, this 2070 01:48:19.960 --> 01:48:23.279 surgery so she can blend in with society instead of 2071 01:48:23.319 --> 01:48:27.520 being a freak, basically right, And they keep unwrapping and unwrapping, 2072 01:48:28.119 --> 01:48:31.960 and all of a sudden, now there was there was 2073 01:48:32.119 --> 01:48:34.239 a bunch before the episode, but you never saw the 2074 01:48:34.239 --> 01:48:39.479 people involved. You only saw her rap So finally, first 2075 01:48:39.479 --> 01:48:42.119 you're seeing it from her. You know, you're absolutely seeing 2076 01:48:42.159 --> 01:48:45.479 it first from her eyes, because when they unwrap her 2077 01:48:45.520 --> 01:48:50.199 eyes and she looks out, they scream and say, oh 2078 01:48:50.239 --> 01:48:55.039 my god, she's still hideous and ugly. And what the 2079 01:48:55.159 --> 01:48:59.039 patient is looking at are pig men and pig women, 2080 01:48:59.800 --> 01:49:03.239 and what they're looking at is a beautiful blonde woman 2081 01:49:03.279 --> 01:49:07.279 who is the patient. And the beautiful blonde woman was 2082 01:49:07.359 --> 01:49:10.640 the one who was having the surgery done to try 2083 01:49:10.640 --> 01:49:13.119 to get rid of those hideous looks. And it didn't work. 2084 01:49:13.760 --> 01:49:16.239 And so at first you're seeing it through her eyes 2085 01:49:16.279 --> 01:49:20.039 as they're unwrapping the bandages, and then you hear them 2086 01:49:20.079 --> 01:49:22.800 scream and the doctor leans over her and says she's 2087 01:49:22.800 --> 01:49:26.680 still hideous, and that doctor is a pig man. So 2088 01:49:27.640 --> 01:49:31.680 the whole the whole episode was beauty is in the 2089 01:49:31.720 --> 01:49:36.119 eyes of the Beholder, right, And all of their episodes 2090 01:49:36.560 --> 01:49:42.720 had single themes like that basically on It's just amazing anyway, 2091 01:49:43.359 --> 01:49:48.880 there was one where people were in an environment and 2092 01:49:48.920 --> 01:49:53.239 they kept disappearing, or they kept appearing new ones, and 2093 01:49:53.279 --> 01:49:58.319 then food would just magically appear, and toys for the 2094 01:49:58.399 --> 01:50:01.319 kids and all that, and it turns out at the 2095 01:50:01.600 --> 01:50:07.359 end they were playthings in an artificial environment for some 2096 01:50:07.479 --> 01:50:12.279 kind of giant aliens and it was akin to how 2097 01:50:12.359 --> 01:50:14.920 what we do with animals and gerbils and all that. 2098 01:50:15.079 --> 01:50:18.479 So it was just another weird episode. I may not 2099 01:50:18.560 --> 01:50:22.199 be thinking of the details exactly, but the themes for sure, 2100 01:50:22.920 --> 01:50:25.439 and I just always thought they were ingenius. And then 2101 01:50:25.520 --> 01:50:29.119 Star Trek tried to do that in another way, not 2102 01:50:29.279 --> 01:50:33.600 so much in a horror genre, but in a science 2103 01:50:33.640 --> 01:50:41.520 fiction e space drama anyway. So if it's just cool anyway, Raven. 2104 01:50:42.119 --> 01:50:45.800 She wants to talk about her transmission. Hey, Raven, twenty 2105 01:50:45.880 --> 01:50:49.960 twenty one buick in vision. Wait, Raven, this is one 2106 01:50:50.000 --> 01:50:53.479 we took. I remember you. I'm sorry. I told you 2107 01:50:53.520 --> 01:50:56.560 to wait and see what they did with the rental car. 2108 01:50:56.880 --> 01:50:58.960 To make a long story short, this woman bought this 2109 01:50:59.039 --> 01:51:01.880 car new and had nothing but trouble, nothing nothing, nothing 2110 01:51:01.920 --> 01:51:05.720 but trouble. And she just got so frustrated with them. 2111 01:51:05.880 --> 01:51:08.960 And they said it was the control module, right, Kevin, 2112 01:51:09.199 --> 01:51:11.159 and it would take months, possibly years. 2113 01:51:11.399 --> 01:51:15.239 Well I think they were sarcastic saying years, but yeah. 2114 01:51:14.840 --> 01:51:18.359 Anyway, she was so upset, and they said, and if 2115 01:51:18.399 --> 01:51:21.079 you keep calling here, we're going to take your your 2116 01:51:21.119 --> 01:51:23.399 loaner away, or we're going to make you pay for it. 2117 01:51:23.439 --> 01:51:26.319 And I told her, as long as she has a loaner, 2118 01:51:27.159 --> 01:51:31.000 let it go, because that's less miles and where she's 2119 01:51:31.000 --> 01:51:33.039 putting on her call wall to sit at the dealer. 2120 01:51:33.520 --> 01:51:36.840 And as long as they're willing to replace whatever the 2121 01:51:36.880 --> 01:51:41.000 module is and pay for a that's free use of 2122 01:51:41.039 --> 01:51:43.840 that car. Go as long as we can. And then 2123 01:51:43.880 --> 01:51:46.079 what we'll do is check back in a month or 2124 01:51:46.159 --> 01:51:49.479 two to see if the parts in what why are 2125 01:51:49.479 --> 01:51:53.680 you calling so soon. Did something change, Yes. 2126 01:51:53.560 --> 01:51:57.319 Sir, after we got I was so lound up. But 2127 01:51:57.520 --> 01:52:01.199 you she said you would have an investor contact soon. 2128 01:52:01.920 --> 01:52:05.119 And what had happened was I just got off the phone. 2129 01:52:05.479 --> 01:52:08.199 I didn't get to tell you on the radio that 2130 01:52:08.239 --> 01:52:12.239 I spoke with Alisa, who was supposed to be customer 2131 01:52:12.359 --> 01:52:17.720 service of General Motors. But about October sixteenth, when I 2132 01:52:17.760 --> 01:52:21.680 told my vehicle back to the dealership, the dealership basically 2133 01:52:21.720 --> 01:52:24.000 told me that they were not the ones. 2134 01:52:24.119 --> 01:52:25.319 It was General Motors. 2135 01:52:25.319 --> 01:52:28.319 So I contacted them and at that time asked for 2136 01:52:28.399 --> 01:52:31.680 some answers. Well, there's just now. I received a call 2137 01:52:32.199 --> 01:52:35.319 from Alisa but the case number, and she'd liked to 2138 01:52:35.399 --> 01:52:38.239 let me know ahead of times that they are not 2139 01:52:38.359 --> 01:52:43.359 reproducing my vehicle. I've been declined for anything. And the 2140 01:52:43.399 --> 01:52:46.760 part is if they have it will not even be 2141 01:52:46.920 --> 01:52:49.880 shipped for till February. 2142 01:52:50.000 --> 01:52:54.319 Ending of February, Okay, all right, Yeah, we suspected it 2143 01:52:54.359 --> 01:52:58.239 was going to be a while. But they're also providing 2144 01:52:58.279 --> 01:53:01.039 a loaner vehicle, yes, sir, but. 2145 01:53:01.039 --> 01:53:04.000 They also said they're not going to do a repurchase 2146 01:53:04.600 --> 01:53:06.920 show for me, not even to have that considered. 2147 01:53:07.159 --> 01:53:10.079 Well, first of all, Raven, they don't get to decide 2148 01:53:10.720 --> 01:53:13.239 if they're doing a repurchase. Okay, they don't get to 2149 01:53:13.279 --> 01:53:18.359 decide that. And again, right now, I think you should 2150 01:53:18.399 --> 01:53:21.960 do what I said. You're getting yourself worked up because 2151 01:53:22.159 --> 01:53:24.720 there's no reason to get yourself worked up. You're not 2152 01:53:24.840 --> 01:53:27.359 using your twenty twenty one buick in vision, you're not 2153 01:53:27.399 --> 01:53:31.960 putting miles on it. You're using the vehicle they're supplying 2154 01:53:31.960 --> 01:53:36.560 to you at their cost. And the here's the here's 2155 01:53:36.600 --> 01:53:41.640 the ultimate downside. Okay, let's say let's say that you 2156 01:53:41.760 --> 01:53:44.600 have a loaner. I'm not saying this would happen. You 2157 01:53:44.640 --> 01:53:48.279 have a loaner for three years. It did you no harm. 2158 01:53:48.680 --> 01:53:50.760 You never have to worry about it. If you don't 2159 01:53:50.800 --> 01:53:52.760 have to do maintenance, you don't have to do tires, 2160 01:53:52.800 --> 01:53:55.720 you don't have to do anything but gas. You literally 2161 01:53:55.760 --> 01:53:58.560 have a free car. If that was worst case, it's 2162 01:53:58.600 --> 01:54:01.720 not going to be. But when they tell you, oh, 2163 01:54:01.760 --> 01:54:04.279 by the way, we looked at your case number, your 2164 01:54:04.359 --> 01:54:06.600 car is not I don't know what they mean, is 2165 01:54:06.640 --> 01:54:11.279 not being supported anymore. But no matter what, if they 2166 01:54:11.359 --> 01:54:15.680 cannot fix this car under warranty, now, if they want 2167 01:54:15.680 --> 01:54:17.319 to rent you a car the rest of your life, 2168 01:54:17.359 --> 01:54:19.479 I guess they could do that if they want. Technically 2169 01:54:19.840 --> 01:54:23.840 they won't, but they don't get to say whether they're 2170 01:54:23.880 --> 01:54:26.920 going to repurchase it, because, as you heard from the 2171 01:54:26.960 --> 01:54:32.359 attorney we had on she said, she said, you absolutely 2172 01:54:32.399 --> 01:54:35.000 have a good case against them, and this is a 2173 01:54:35.039 --> 01:54:38.439 case for repurchase or for damages. So I don't see 2174 01:54:38.479 --> 01:54:40.319 how they're going to get out of it. Why do 2175 01:54:40.399 --> 01:54:43.960 you even let see, Raven, just listen to us and 2176 01:54:44.079 --> 01:54:47.840 don't let yourself get worked up? Right now, what does 2177 01:54:47.840 --> 01:54:50.880 it matter if for the next year you have a 2178 01:54:50.920 --> 01:54:55.119 replacement vehicle? What does it matter? Tell me? Is there 2179 01:54:55.119 --> 01:54:56.600 some emotional attachment? 2180 01:54:57.039 --> 01:54:59.520 What would be the I think it was it was 2181 01:54:59.600 --> 01:55:02.239 the lie seeing that I was able to work for 2182 01:55:02.920 --> 01:55:05.800 and pay off and now I'm sick. 2183 01:55:05.960 --> 01:55:12.920 And Raven, Raven, I'm asking a question, please, dear. I 2184 01:55:13.000 --> 01:55:16.159 know that you're focused on your health. I understand, But 2185 01:55:16.439 --> 01:55:21.600 if if truly for the next year you drove a 2186 01:55:21.720 --> 01:55:26.319 nice replacement vehicle, what harm would it do you? 2187 01:55:28.479 --> 01:55:31.239 I guess I wanted to enjoy the car that I 2188 01:55:31.319 --> 01:55:32.359 picked for myself. 2189 01:55:32.600 --> 01:55:35.239 I understand that, I totally do. 2190 01:55:36.199 --> 01:55:36.439 Let me. 2191 01:55:36.520 --> 01:55:39.760 I understand that. Yeah, that's reasonable, That's what I was asking, 2192 01:55:40.119 --> 01:55:43.159 But it's doing you no harm, really. 2193 01:55:43.359 --> 01:55:46.680 And you're right. I just wanted to update you that 2194 01:55:46.680 --> 01:55:49.119 that's what they said. So I got nervous when the 2195 01:55:49.199 --> 01:55:53.760 lawyer told us arbitration we could ask for repurchase that way. 2196 01:55:53.880 --> 01:55:56.800 What she meant was, here's what she meant, she says, 2197 01:55:56.880 --> 01:55:59.199 Tom right now. Here's what she said, Tom, right now. 2198 01:55:59.199 --> 01:56:02.800 They're paying for the placement vehicle, so we ought to 2199 01:56:02.880 --> 01:56:06.800 ride that. The next thing is, let's see how long 2200 01:56:06.840 --> 01:56:09.399 it takes to get the part. And then the next 2201 01:56:09.399 --> 01:56:12.520 thing is if they can't do any of those, the 2202 01:56:12.640 --> 01:56:16.720 replacement vehicle or the part, then we can sue them. 2203 01:56:17.079 --> 01:56:20.560 And she most assuredly will either get her money back 2204 01:56:20.960 --> 01:56:24.479 or another car. That's what and it hasn't changed, Raven. 2205 01:56:24.880 --> 01:56:27.800 Don't let anyone upset you. And you did right by. 2206 01:56:28.079 --> 01:56:31.840 You did right by calling us back. We're on your side, okay, 2207 01:56:31.920 --> 01:56:38.520 we really are. Okay, thank you very much, and we do. 2208 01:56:38.840 --> 01:56:41.640 How can I say this, We babysit these cases. We 2209 01:56:41.720 --> 01:56:45.520 have someone on it and we will get directly involved. 2210 01:56:46.720 --> 01:56:46.840 Now. 2211 01:56:46.880 --> 01:56:49.000 I know in the media, by the way, there are 2212 01:56:49.000 --> 01:56:55.800 all kinds of people who claim to solve problems and 2213 01:56:55.840 --> 01:56:59.239 to be on your side and whatever other moniker they 2214 01:56:59.279 --> 01:57:02.399 want to give and I understand that, and there's nothing 2215 01:57:02.439 --> 01:57:05.199 wrong with that. The more people we can get shaken 2216 01:57:05.319 --> 01:57:09.359 up the system, the better. But they do one thing, 2217 01:57:09.399 --> 01:57:13.600 and one thing only. They draw publicity to it, which 2218 01:57:13.680 --> 01:57:18.520 is good, But they never get directly involved. Never, not once, 2219 01:57:19.159 --> 01:57:23.640 not once have any of them hired an attorney, Not 2220 01:57:23.840 --> 01:57:27.720 once have any of them gone to court, Not once 2221 01:57:27.880 --> 01:57:31.680 have any of them ever did anything like find another 2222 01:57:31.800 --> 01:57:36.159 contractor to do it. So when people say they get involved, 2223 01:57:36.199 --> 01:57:39.159 they're on your side and they're problem solvers. You know 2224 01:57:39.680 --> 01:57:43.479 that's good. It's better than nothing. But trust me when 2225 01:57:43.560 --> 01:57:48.079 I tell you this brand that I built over forty 2226 01:57:48.079 --> 01:57:53.119 five or fifty years, this is direct involvement for you. 2227 01:57:53.960 --> 01:58:01.359 I'm Tom Martinez. We got more coming up. Go with 2228 01:58:01.439 --> 01:58:05.000 a sure thing Denver's Best Roofer Excel Roofing dot com. 2229 01:58:05.039 --> 01:58:10.680 You don't pay a cent until you're content, Wait time 2230 01:58:10.720 --> 01:58:13.640 for an insurance check up free, no obligation. In comparison, 2231 01:58:13.760 --> 01:58:17.319 call Compass Insurance paying too much your coverage at dozens 2232 01:58:17.319 --> 01:58:20.079 of insurance companies find out now three all three seven 2233 01:58:20.159 --> 01:58:22.960 seven to one help. You'll think you're his only customer 2234 01:58:23.000 --> 01:58:25.279 when you choose Frank durand the real estate man dot 2235 01:58:25.279 --> 01:58:28.600 com to list your home with Remax Alliance three all 2236 01:58:28.640 --> 01:58:32.600 three nine two zero sixteen twenty two. All right, I'm 2237 01:58:32.640 --> 01:58:35.880 Tom Martino. You're a troubleshooter. I'm not sure what this 2238 01:58:36.000 --> 01:58:39.079 text means. And by the way, you can text me 2239 01:58:39.159 --> 01:58:42.600 at twenty four to seven. You can always text me 2240 01:58:43.600 --> 01:58:46.880 and uh or during the show, and then my Google 2241 01:58:46.960 --> 01:58:51.000 number comes right to my cell phone. It's seven four 2242 01:58:51.119 --> 01:58:57.039 seven nine nine nine fifty two eighty seven four seven 2243 01:58:57.199 --> 01:58:59.840 nine nine nine fifty two eighty. You can also do 2244 01:58:59.880 --> 01:59:02.840 that a iHeart short code that all the other shows 2245 01:59:02.920 --> 01:59:06.319 use as well, five seven seven thirty nine. But anyway, 2246 01:59:06.640 --> 01:59:11.159 so on my Google text, it says, have you noticed 2247 01:59:11.560 --> 01:59:17.520 all buicks are driven by Chicanos? What the hell does 2248 01:59:17.520 --> 01:59:23.640 that mean? I no, okay, but okay, and I don't 2249 01:59:23.640 --> 01:59:26.840 know what that was supposed to be a joke. And 2250 01:59:26.880 --> 01:59:30.920 then the other one says, Tom, here's what here's something 2251 01:59:30.920 --> 01:59:35.439 from Wikipedia. According to witness reports, the drones flew in 2252 01:59:35.560 --> 01:59:41.039 grid grid formations in groups of nineteen up to nineteen 2253 01:59:41.800 --> 01:59:46.319 visible at night between six and ten. The FAA, FBI, 2254 01:59:46.399 --> 01:59:50.600 and local law enforcement investigated, but have not yet determined 2255 01:59:50.640 --> 01:59:53.800 the operator of the drones flying drones at night without 2256 01:59:53.840 --> 01:59:56.439 a waiver is a violation of federal Well why haven't 2257 01:59:56.479 --> 02:00:00.760 they done anything about it? I find that shock that. 2258 02:00:01.319 --> 02:00:05.399 I mean, are we that stupid? Well, I'll bet you 2259 02:00:05.439 --> 02:00:07.800 those drones will be shot down if ever they had 2260 02:00:07.840 --> 02:00:15.760 like magaflat maga lights, you know, like LED's maga. Anyway, 2261 02:00:15.920 --> 02:00:20.680 sometimes digital hoarding is good. I talked about digital hoarding guys, 2262 02:00:21.159 --> 02:00:23.640 and it's where you have everything on your computer like 2263 02:00:23.680 --> 02:00:25.760 you went around a house. You never get rid of 2264 02:00:25.760 --> 02:00:30.159 a file. Anyway, sometimes it's good. I have a computer 2265 02:00:30.279 --> 02:00:34.720 repair shop here in Sterling, and there's been times when 2266 02:00:34.760 --> 02:00:38.319 we have to reload a customer's computer and they have 2267 02:00:38.439 --> 02:00:43.720 specific software they use. Oftentimes we can find that software 2268 02:00:43.960 --> 02:00:47.439 from their old downloads. Okay, I see what they're saying. 2269 02:00:48.439 --> 02:00:50.479 All they have to do are a computer backups. You 2270 02:00:50.520 --> 02:00:53.760 don't have to do a hoarding. But anyway, like last week, 2271 02:00:54.520 --> 02:00:57.239 we had to reload a customer's computer. They had an 2272 02:00:57.279 --> 02:01:00.359 older version of QuickBooks and didn't want to up date. 2273 02:01:01.119 --> 02:01:04.199 So they oh, I see, so anyway, well that would 2274 02:01:04.600 --> 02:01:07.119 if you update, you can update all that. You know. 2275 02:01:07.119 --> 02:01:09.720 What I mean is backup is what I mean. She 2276 02:01:09.840 --> 02:01:11.960 was able to find the original version from four or 2277 02:01:12.000 --> 02:01:15.600 five years ago, So in this case, hoarding served her 2278 02:01:15.800 --> 02:01:18.600 to get her computer back to the way. It was, actually, 2279 02:01:18.920 --> 02:01:23.199 all right, Tom, glad you're doing better than our president 2280 02:01:23.319 --> 02:01:27.039 Joe Biden, because I'm sure he can't wait to move 2281 02:01:27.079 --> 02:01:31.960 on from that meat grinder of the White House. And 2282 02:01:32.039 --> 02:01:33.920 that's because I was saying, hey, at least they'm doing 2283 02:01:33.960 --> 02:01:38.479 better than Biden, right, because people sometimes make fun of me, Okay, 2284 02:01:38.720 --> 02:01:42.760 but good fun there. There's no one vicious here. Somebody 2285 02:01:42.760 --> 02:01:45.560 wants to know what about mineral rights? And that was 2286 02:01:45.600 --> 02:01:48.479 based on a call about and it's too much to 2287 02:01:48.479 --> 02:01:51.880 get into, but basically, I just want to say this, 2288 02:01:52.000 --> 02:01:54.880 Mineral rights do not always go along with land rights, 2289 02:01:55.279 --> 02:01:58.439 not only sometimes they were sold earlier and when you 2290 02:01:58.479 --> 02:02:01.760 buy land, someone who as the mineral rights may have 2291 02:02:01.840 --> 02:02:04.920 access to your land to get those minerals. And it 2292 02:02:05.000 --> 02:02:07.039 depends on what the deed restrictions are. 2293 02:02:08.039 --> 02:02:11.720 Is that what Title Insurance will cover, Tom, Title Insurance 2294 02:02:11.760 --> 02:02:15.760 will show it, right, Yeah, they'll show exceptions, obligation. 2295 02:02:15.399 --> 02:02:20.600 They'll show exceptions. Yeah. Now, looking for an extended warranty 2296 02:02:20.640 --> 02:02:24.439 for my twenty twenty one GMC Sierra fifteen hundred, I 2297 02:02:24.479 --> 02:02:27.680 am out of my three year thirty six thousand mile 2298 02:02:28.319 --> 02:02:30.960 factory warranty. So what they're looking for is a true 2299 02:02:31.000 --> 02:02:34.039 extended warranty, one they can pick up. Now. Now, what's 2300 02:02:34.159 --> 02:02:38.960 odd is a GM should have written to them before 2301 02:02:39.039 --> 02:02:42.760 this and offered, and if they did, I would just 2302 02:02:42.880 --> 02:02:46.800 continue the factory warranty. Yes, that's the safest. I do 2303 02:02:46.840 --> 02:02:49.000 not like Carshields and the rest of them. 2304 02:02:48.840 --> 02:02:51.000 Do you, No, they're not up to part with the 2305 02:02:51.039 --> 02:02:52.680 OE stuff, not at all. 2306 02:02:53.199 --> 02:02:55.880 Or call a GM dealer, or call somebody at GM 2307 02:02:55.920 --> 02:03:04.720 and ask him. Now, I was having a conniption fit 2308 02:03:05.319 --> 02:03:08.640 listening to Mark about his A one C. He says 2309 02:03:08.680 --> 02:03:12.600 he eats really healthy for thirty days and then goes 2310 02:03:12.640 --> 02:03:15.319 and gets his blood work done and the A one 2311 02:03:15.399 --> 02:03:20.560 C looks excellent, and he wanted to know, so what 2312 02:03:20.720 --> 02:03:21.239 good is that? 2313 02:03:22.560 --> 02:03:22.640 No? 2314 02:03:22.720 --> 02:03:25.880 I know, I know what this guy's saying. He's to 2315 02:03:25.920 --> 02:03:28.479 make his blood work looks good. He does a I 2316 02:03:28.520 --> 02:03:29.239 heard him saying. 2317 02:03:30.720 --> 02:03:31.000 Something. 2318 02:03:31.079 --> 02:03:33.079 But that doesn't mean he's healthy. 2319 02:03:33.119 --> 02:03:33.960 It just means. 2320 02:03:35.279 --> 02:03:39.439 Your trick. Yeah, that's a hack, he says. Anyway, so 2321 02:03:39.520 --> 02:03:43.760 this doc chimed in and didn't know how long it 2322 02:03:43.960 --> 02:03:47.600 was that A one C goes back. A one C 2323 02:03:47.840 --> 02:03:52.479 is a three month rolling average. You knew that right, Doc, 2324 02:03:53.079 --> 02:03:56.399 Go with a sure thing Denver's best roofer Excel Roofing 2325 02:03:56.479 --> 02:03:59.119 dot com. You don't pay a cent until you're content. 2326 02:04:02.479 --> 02:04:05.680 Time for an insurance check up free, no obligation. In comparison, 2327 02:04:05.800 --> 02:04:09.359 call Compass Insurance paying too much your coverage at dozens 2328 02:04:09.359 --> 02:04:12.119 of insurance companies find out now three all three seven 2329 02:04:12.199 --> 02:04:15.039 seven to one help. You'll think you're his only customer 2330 02:04:15.039 --> 02:04:17.319 when you choose Frank durand the real estate Man dot 2331 02:04:17.359 --> 02:04:20.640 com to list your home with Remax Alliance three all 2332 02:04:20.680 --> 02:04:34.399 three nine two zero sixteen twenty two. Hi Tom Martino, 2333 02:04:34.520 --> 02:04:38.960 your trouble shooter three all three seven one three talks 2334 02:04:38.960 --> 02:04:43.800 seven one three A two five five listen. I wanted 2335 02:04:43.840 --> 02:04:47.960 to uh tell you that I've had a number of 2336 02:04:48.039 --> 02:04:50.600 people that we are getting to and I apologize if 2337 02:04:50.600 --> 02:04:53.560 we have an on Wave eight Wealth Management and I 2338 02:04:53.880 --> 02:04:59.239 certainly appreciate your trust. And we have found numerous cases 2339 02:04:59.760 --> 02:05:04.920 where people have been being overcharged and inappropriate investments and 2340 02:05:05.000 --> 02:05:07.199 they thought they were doing wonderful look at I don't 2341 02:05:07.199 --> 02:05:08.560 want to be a debbie down or if you have 2342 02:05:08.600 --> 02:05:11.760 a great way of doing things, will tell you. I 2343 02:05:11.920 --> 02:05:15.279 promise you that's not what this is about. I want 2344 02:05:15.359 --> 02:05:17.920 you to be doing well. There are some people we've 2345 02:05:17.920 --> 02:05:21.279 told they're doing great, and some people don't need any 2346 02:05:21.319 --> 02:05:24.279 help whatsoever, and they can do things they were doing 2347 02:05:25.479 --> 02:05:28.880 on their own, by the way, totally on their own, anyway. 2348 02:05:29.000 --> 02:05:32.039 So if you want help, if you want us to 2349 02:05:32.039 --> 02:05:35.640 go over it. I've met with people personally and we've 2350 02:05:35.640 --> 02:05:41.960 gone over their results and they've been very, very happy 2351 02:05:42.039 --> 02:05:45.640 with what we've told them. Here's the point, and I 2352 02:05:45.640 --> 02:05:48.560 took some notes on some of the stuff. I'm finding 2353 02:05:50.560 --> 02:05:54.600 a lot of people are building equity, but they're not 2354 02:05:55.680 --> 02:06:00.520 planning for cash flow in retirement. Equity'll do you no 2355 02:06:00.840 --> 02:06:05.479 good as you grow toward retirement. You have to start 2356 02:06:05.520 --> 02:06:10.000 thinking of equity as transferring to income or retirement. And 2357 02:06:10.119 --> 02:06:12.800 that doesn't always mean an annuity, by the way, there 2358 02:06:12.840 --> 02:06:16.520 are many many ways to do that. But it's like anything. 2359 02:06:16.800 --> 02:06:20.640 I mean, an exaggerated example would be artwork, for example. Okay, 2360 02:06:20.640 --> 02:06:23.920 that's equity, meaning it grows and it's valuable, but it 2361 02:06:23.960 --> 02:06:26.600 does nothing for you as you get older. If it's 2362 02:06:26.640 --> 02:06:29.039 not income unless you want to leave it, that's different. 2363 02:06:29.479 --> 02:06:33.359 But this is what's really important. It's the conversion from 2364 02:06:33.479 --> 02:06:37.119 equity to cash flow. And then when you're younger or 2365 02:06:37.159 --> 02:06:40.159 middle aged and you have cash flow but you're not 2366 02:06:40.319 --> 02:06:44.960 converting it to equity, that's another mistake because cash flow 2367 02:06:45.000 --> 02:06:49.399 can be spent or just saved and you end up 2368 02:06:49.760 --> 02:06:55.560 losing it, or it deteriorates or inflation eats it up. 2369 02:06:56.079 --> 02:06:59.239 But if you take some of that cash flow and 2370 02:06:59.319 --> 02:07:02.199 move it into equity and then let that sit, that'll grow. 2371 02:07:02.640 --> 02:07:07.039 So there's two ways that you gain net value, but 2372 02:07:08.359 --> 02:07:12.159 only one way to achieve wealth, and that's in the 2373 02:07:12.319 --> 02:07:17.000 knowledge of when to transfer back and forth from equity 2374 02:07:17.960 --> 02:07:23.039 to cash flow. Okay, that's really the importance. That's the 2375 02:07:23.039 --> 02:07:26.399 biggest mistakes people make. They're either top heavy in cash 2376 02:07:26.439 --> 02:07:30.640 flow with no equity or top heavy inequity with no 2377 02:07:30.760 --> 02:07:33.000 cash flow, or they don't know when to go back 2378 02:07:33.039 --> 02:07:35.039 and forth. And I want to say one thing about 2379 02:07:35.039 --> 02:07:41.119 real estate investment. Real estate is great, but here's something 2380 02:07:41.159 --> 02:07:43.760 you need to know about real estate. And this is 2381 02:07:43.800 --> 02:07:47.800 why Barry over at Vestera Turnkey, if you listen to 2382 02:07:47.800 --> 02:07:52.039 his program, he very seldom keeps his people in the 2383 02:07:52.079 --> 02:07:56.800 rentals more than three years. Very seldom he moves them in. 2384 02:07:57.239 --> 02:08:00.399 He moves them out. Sometimes they ten thirty one into 2385 02:08:00.439 --> 02:08:03.800 new ones. Sometimes they just sell and take the money. 2386 02:08:04.159 --> 02:08:07.000 Why does he do that? Well, this is something you 2387 02:08:07.039 --> 02:08:11.359 need to know about real estate. If you're investing to 2388 02:08:11.399 --> 02:08:15.880 become a landlord, you get depreciation and you get right 2389 02:08:15.960 --> 02:08:19.079 off for expenses, and then you get income for rent. 2390 02:08:19.680 --> 02:08:23.920 The object is to get rental income, which is offset 2391 02:08:23.960 --> 02:08:28.720 by depreciation to OxT extent. So the depreciation is an 2392 02:08:28.720 --> 02:08:34.920 invisible expense, right, So that's good for you. Now what 2393 02:08:34.960 --> 02:08:37.920 you have then is equity as well. So now you 2394 02:08:37.960 --> 02:08:41.520 have depreciation, it helps in taxes, you have rent which 2395 02:08:41.520 --> 02:08:45.640 helps with income, and then you have equity which helps 2396 02:08:45.720 --> 02:08:50.840 later on to sell. It's all wonderful, but here's the mistake. 2397 02:08:50.880 --> 02:08:53.800 A lot of people make whore landlords. They get into 2398 02:08:53.840 --> 02:08:56.600 it for too long. So as you get into your 2399 02:08:56.640 --> 02:09:01.600 sixties or later and you have all this equity the 2400 02:09:01.760 --> 02:09:08.479 assets getting older. When you have equity growing and assets 2401 02:09:08.520 --> 02:09:14.039 getting older, you have the risk of an event, a 2402 02:09:14.159 --> 02:09:21.199 major event, a big giant HVAC system or roof or 2403 02:09:21.439 --> 02:09:24.840 just anything. I'm not saying it always happens, but no 2404 02:09:24.880 --> 02:09:28.159 matter what, there will always be something. Because it is 2405 02:09:28.279 --> 02:09:35.000 not monolithic and permanent. It is a deteriorating asset and 2406 02:09:35.079 --> 02:09:37.600 you have to keep up on it. So as you 2407 02:09:37.640 --> 02:09:40.880 get older. While you love that income and you love 2408 02:09:40.920 --> 02:09:47.000 that equity, you should harvest that equity and then convert 2409 02:09:47.039 --> 02:09:50.399 it to a safer form of income so you still 2410 02:09:50.439 --> 02:09:53.279 get the income you love from real estate without having 2411 02:09:53.279 --> 02:09:56.399 to go over and paint or change bulbs or have 2412 02:09:56.479 --> 02:10:00.159 a management company. You could take the equity now and 2413 02:10:00.239 --> 02:10:04.159 put it into municipal bonds or even a fixed indextinuity 2414 02:10:04.439 --> 02:10:08.640 or other investments where the income is still there but 2415 02:10:08.760 --> 02:10:15.399 the deterioration and depreciation is long behind you. So again conversion. 2416 02:10:16.079 --> 02:10:21.319 The mistake people make sometimes is not the accumulation, it's 2417 02:10:21.399 --> 02:10:26.560 the conversion and knowing when to convert. I love talking 2418 02:10:26.560 --> 02:10:29.920 about this stuff because I see it every day. And 2419 02:10:30.199 --> 02:10:34.119 here's the problem. I think a lot of people if things, 2420 02:10:35.079 --> 02:10:38.680 if they haven't addressed them in a while, they start saying, 2421 02:10:38.960 --> 02:10:41.640 you know what, I don't want to think about it. 2422 02:10:41.640 --> 02:10:43.760 It's just something you keep putting off. I know I 2423 02:10:43.800 --> 02:10:47.119 do that sometimes that I don't get to my financial 2424 02:10:47.119 --> 02:10:50.119 statements or my when you balance your accounts or your 2425 02:10:50.199 --> 02:10:53.880 quick books. The longer you stay away, the harder to 2426 02:10:53.920 --> 02:10:55.760 get back. But then once you do it, you feel 2427 02:10:55.800 --> 02:10:58.479 so good? Right anyway? Our number three oh three seven 2428 02:10:58.520 --> 02:11:00.800 won three talk seven one three eight two five or 2429 02:11:00.840 --> 02:11:03.279 three oh three Martino three oh three six two seven 2430 02:11:03.359 --> 02:11:05.600 eight four sixty six. By the way, you can also 2431 02:11:06.640 --> 02:11:08.479 if you want to get a hold of Wave eight 2432 02:11:08.560 --> 02:11:10.880 Wealth Management for a free consultation. You want to talk 2433 02:11:10.920 --> 02:11:13.199 to me and shoot the breeze three oh three seven 2434 02:11:13.319 --> 02:11:16.800 seven to one help three oh three seven seven one 2435 02:11:16.840 --> 02:11:19.159 four three five seven. You can text or call and 2436 02:11:19.239 --> 02:11:22.000 leave a message three oh three seven seven one help. 2437 02:11:22.880 --> 02:11:26.279 The website is Waveeightcapital dot com, the number eight and 2438 02:11:26.439 --> 02:11:30.520 uh two interesting items. This guy said from the United 2439 02:11:30.560 --> 02:11:33.880 Healthcare This is a text United Healthcare murder. Oh do 2440 02:11:33.920 --> 02:11:36.560 I have to take this break? Okay? Real kick? His 2441 02:11:36.680 --> 02:11:40.560 family is very rich and if he had some claim 2442 02:11:40.640 --> 02:11:43.439 denied for surgery, his family could have paid for it. 2443 02:11:43.880 --> 02:11:47.680 And he apparently had oh oh oh oh, I'm sorry 2444 02:11:47.720 --> 02:11:51.399 they're talking about not the CEO, the suspect. He is 2445 02:11:51.520 --> 02:11:55.800 rich from a rich family, so therefore, even if he 2446 02:11:55.880 --> 02:11:57.359 was turned down, they could have paid for it. And 2447 02:11:57.399 --> 02:12:00.359 the second one, he wasn't even a customer. 2448 02:12:00.079 --> 02:12:02.600 Right that. That's the weird part of it, don't you think, Tom. 2449 02:12:02.520 --> 02:12:05.399 Yeah, maybe he had a friend going through something. Maybe 2450 02:12:05.560 --> 02:12:07.239 they came to him saying, Hey, I know you have 2451 02:12:07.279 --> 02:12:09.840 back problems. I have back problems. What did you do 2452 02:12:10.359 --> 02:12:15.600 my insurance company? Who knows We're gonna find out? Go 2453 02:12:15.760 --> 02:12:19.479 with a sure thing Denver's Best roofer Excel Roofing dot com. 2454 02:12:19.520 --> 02:12:25.239 You don't pay a cent until you're content. Time for 2455 02:12:25.279 --> 02:12:28.479 an insurance check up free, no obligation. In comparison, call 2456 02:12:28.560 --> 02:12:31.880 Compass Insurance paying too much your coverage at dozens of 2457 02:12:31.920 --> 02:12:34.560 insurance companies find out now three all three seven to 2458 02:12:34.640 --> 02:12:37.439 seven to one help. You'll think you're his only customer 2459 02:12:37.479 --> 02:12:39.720 when you choose Frank durand the real estate Man dot 2460 02:12:39.760 --> 02:12:43.079 com to list your home with Remax Alliance three all 2461 02:12:43.119 --> 02:12:53.279 three nine two zero sixteen twenty two. Hi Tom Martine 2462 02:12:53.359 --> 02:12:56.840 here three all three seven one three talk three oh 2463 02:12:56.840 --> 02:12:59.000 three seven one three eight two five If Kevin Coggin, 2464 02:12:59.760 --> 02:13:02.119 what are we going to do in the car business now? 2465 02:13:02.239 --> 02:13:05.159 As far as the coming days, are things the same 2466 02:13:05.279 --> 02:13:09.279 getting better? Anything? People should watch out for buying a car, 2467 02:13:09.520 --> 02:13:12.720 servicing cars, use cars? What are you seeing? Let's just 2468 02:13:12.760 --> 02:13:13.319 talk about that. 2469 02:13:13.399 --> 02:13:15.640 These cars are hard to find and they're expensive, so 2470 02:13:15.720 --> 02:13:16.840 get them pre checked. 2471 02:13:17.359 --> 02:13:18.720 Yes, sure, a ton. 2472 02:13:18.560 --> 02:13:21.359 Of pre checks, and probably half of the cars don't pass. 2473 02:13:22.359 --> 02:13:26.359 Wow seriously, or at least they know what they're facing. Yes, 2474 02:13:26.680 --> 02:13:29.640 because when you PreCheck, you can say, hey, this car 2475 02:13:29.720 --> 02:13:31.439 is going to need this, this and this, and this 2476 02:13:31.479 --> 02:13:33.680 is what it will cost exactly. So then you take 2477 02:13:33.760 --> 02:13:38.119 that cost and you compare it to the purchase price. 2478 02:13:38.159 --> 02:13:40.520 And you can either renegotiate price or just get a 2479 02:13:40.520 --> 02:13:44.079 different car in better shape or whatever. But yeah, please please. 2480 02:13:43.840 --> 02:13:46.319 You said about half of the cars end up being 2481 02:13:46.399 --> 02:13:47.439 one they failed. 2482 02:13:47.439 --> 02:13:50.000 I mean they need more than two thousand dollars in repairs. 2483 02:13:50.840 --> 02:13:53.159 And what level of car are you checking for? 2484 02:13:53.239 --> 02:13:53.560 People? 2485 02:13:53.560 --> 02:13:54.479 What price ranges? 2486 02:13:54.680 --> 02:13:57.119 Probably between ten and twenty most of them. 2487 02:13:57.239 --> 02:14:02.680 Okay, yeah, but it at the prices you charge, you 2488 02:14:02.720 --> 02:14:05.000 should even get a car checked. If you're paying five 2489 02:14:05.079 --> 02:14:05.880 or six grand, Oh. 2490 02:14:05.840 --> 02:14:08.279 Absolutely, for one hundred and fifty bucks, yeah yeah, why not? 2491 02:14:08.520 --> 02:14:11.920 Come on, man, that is unbelievable. And you what you 2492 02:14:12.039 --> 02:14:14.439 do is you find out the condition of a car. 2493 02:14:14.920 --> 02:14:19.119 And as far as the uh uh tires, I wanted 2494 02:14:19.159 --> 02:14:23.199 to ask you something. If you have a choice of 2495 02:14:23.319 --> 02:14:27.600 all weather or snow tires in Colorado, I'm almost leaning 2496 02:14:27.640 --> 02:14:31.439 toward all weather because snow tires. What if you put 2497 02:14:31.520 --> 02:14:35.239 them on in the last show storm this dry. 2498 02:14:35.159 --> 02:14:37.920 Page unless you somebody goes to the mountains a lot, okay, 2499 02:14:37.960 --> 02:14:40.920 because the differs with snow tires is the ice that 2500 02:14:41.039 --> 02:14:43.520 you get blizz acts and things they grip like studded 2501 02:14:43.560 --> 02:14:44.840 snows to do without studs. 2502 02:14:45.039 --> 02:14:48.000 So but let me ask you this, just how bad 2503 02:14:48.079 --> 02:14:50.600 is regular pavement on snows Kenny? 2504 02:14:50.840 --> 02:14:53.199 It's just yeah, you get twenty five thousand miles on 2505 02:14:53.239 --> 02:14:56.079 a set of snow tires, were you know, fifty sixty 2506 02:14:56.119 --> 02:14:58.640 on a set all season mile or twice? 2507 02:14:59.600 --> 02:15:01.920 But you have so you always have trade off. 2508 02:15:02.119 --> 02:15:04.720 Yes, they're softer, that's why they griped the out. 2509 02:15:04.880 --> 02:15:08.119 Do you change snow tires too all the time? When 2510 02:15:08.159 --> 02:15:08.760 do you put them on? 2511 02:15:09.680 --> 02:15:12.439 Uh? Anymore? People aren't putting them on because. 2512 02:15:12.319 --> 02:15:17.479 I know, I know that's anyway. I'm Tom Martino. Don't 2513 02:15:17.479 --> 02:15:21.520 forget referral lists dot com and of course Wave eight 2514 02:15:21.600 --> 02:15:24.319 Capital three oh three seven seven one help and then 2515 02:15:24.359 --> 02:15:26.439 you can call three oh three Martino around the clock 2516 02:15:26.479 --> 02:15:29.319 for help, information and referrals and save all your problems 2517 02:15:29.359 --> 02:15:29.600 for me.