WEBVTT 1 00:00:04.599 --> 00:00:13.480 Ripped news, so you don't help come running just as 2 00:00:13.560 --> 00:00:19.120 fast as we can. Show Shooter's gonna help coming. Man. 3 00:00:19.320 --> 00:00:24.239 This is the Troubleshooter Show. No Tom Martin, Welcome, Welcome, 4 00:00:24.280 --> 00:00:26.480 my friends to the only show off It's Guy and 5 00:00:26.480 --> 00:00:29.839 we're here to solve problems, answer questions, take your complaints 6 00:00:29.879 --> 00:00:33.000 you've been ripped off or taking advantage of goodness? Gracious, 7 00:00:33.039 --> 00:00:36.320 we love going after the bad guy. Simple as that. 8 00:00:36.399 --> 00:00:40.159 Three zero three Martino is a phone number. You can 9 00:00:40.240 --> 00:00:43.799 reach that number, of course, anytime twenty four to seven. 10 00:00:43.840 --> 00:00:46.960 You can also email us at help h e elp at 11 00:00:46.960 --> 00:00:49.880 troubleshooter dot com. We'd love to hear from you. It's 12 00:00:49.920 --> 00:00:55.039 studio with me today. Brooke White with Red Rocks. RS. 13 00:00:55.079 --> 00:00:57.799 Brook Welcome to the show. It's always great seeing you here. 14 00:00:58.079 --> 00:01:01.960 And what is new in the world of solar How 15 00:01:01.960 --> 00:01:04.640 about credits? Let's start there. Did Trump get rid of 16 00:01:04.719 --> 00:01:07.040 the credits? That's not here nor there yet. Where are 17 00:01:07.079 --> 00:01:07.439 we at? 18 00:01:07.760 --> 00:01:11.040 Yeah, so the residential tax credits are set to go 19 00:01:11.159 --> 00:01:14.519 away if the big beautiful bill passes. 20 00:01:14.200 --> 00:01:15.280 So they'll go bye bye. 21 00:01:15.400 --> 00:01:17.599 Yep, there isad do Let's stick. 22 00:01:17.439 --> 00:01:19.079 There for a minute. What does that do to the 23 00:01:19.200 --> 00:01:21.719 industry as a whole. I know, you guys do a 24 00:01:21.760 --> 00:01:24.079 lot of repairs. It's not like people are not going 25 00:01:24.159 --> 00:01:27.120 to be repairing solar systems. It's not like you're not 26 00:01:27.200 --> 00:01:31.120 going to be selling battery backups for them and generator backups. 27 00:01:31.319 --> 00:01:34.640 I get all that, But how about new installation. Is 28 00:01:34.680 --> 00:01:36.280 it going to crush the industry? 29 00:01:36.439 --> 00:01:36.599 Oh? 30 00:01:36.640 --> 00:01:38.680 Absolutely well, it'll decimate it. 31 00:01:38.680 --> 00:01:41.079 It'll just like electric cars basically. 32 00:01:40.840 --> 00:01:44.560 Yeah, because I mean, if you have thirty percent of 33 00:01:44.599 --> 00:01:47.120 your project that you now have to pay for, I mean, 34 00:01:47.120 --> 00:01:50.400 it doesn't make it attractive against any utility company. So 35 00:01:50.439 --> 00:01:52.480 the only folks that are still going to be installing 36 00:01:52.519 --> 00:01:55.640 new solar systems are going to be either businesses because 37 00:01:55.640 --> 00:01:58.799 they still get the tax credits, or folks that just 38 00:01:58.879 --> 00:02:00.959 believe in solar firm environmental purposes. 39 00:02:01.040 --> 00:02:05.040 Now, how about Colorado? Does a state have any spiffs? 40 00:02:05.040 --> 00:02:05.640 If you will? 41 00:02:06.079 --> 00:02:08.759 The only thing the state's done, which I actually agree with, 42 00:02:08.919 --> 00:02:11.520 is they make the utility company give you retail value 43 00:02:11.520 --> 00:02:12.719 for you the power you send them. 44 00:02:12.879 --> 00:02:15.479 It's for buying it back, yeah, which is only fair 45 00:02:15.560 --> 00:02:17.360 because at one point it was wholesale. 46 00:02:17.439 --> 00:02:22.479 Right, It's still wholesale if you overproduce, but for your usage, 47 00:02:22.520 --> 00:02:24.080 you get retail value back on that. 48 00:02:24.479 --> 00:02:27.800 So if you offset your power bill one hundred percent, 49 00:02:27.879 --> 00:02:30.960 you get retail on that amount exactly. And then anything 50 00:02:31.000 --> 00:02:33.000 over that is where that wholesale rate comes in. 51 00:02:33.240 --> 00:02:35.719 Yeah, only the City of Long Month's utility gives you 52 00:02:35.759 --> 00:02:37.560 retail value for everything you send them. 53 00:02:37.639 --> 00:02:40.800 Oh wow, Now how about you said commercial properties aren't 54 00:02:40.800 --> 00:02:42.919 going to be affected by the tax credits? Why is 55 00:02:42.960 --> 00:02:43.439 that no? 56 00:02:43.599 --> 00:02:45.639 Because they're only getting rid of the residential one the 57 00:02:45.639 --> 00:02:46.240 tax Now. 58 00:02:46.639 --> 00:02:49.280 Why though, I would think, is there more business in 59 00:02:49.360 --> 00:02:54.240 the commercial aspect of solar compared to not? I mean, 60 00:02:55.039 --> 00:02:57.439 to me, I always thought it was mostly residential. 61 00:02:58.319 --> 00:03:01.199 Uh, there's a ton of really big solar projects with 62 00:03:01.599 --> 00:03:04.439 billions of dollars into it already so far. So to 63 00:03:04.520 --> 00:03:06.479 take that away, I think that they would face a 64 00:03:06.520 --> 00:03:08.479 lot of hurdles to try to get rid of those 65 00:03:08.479 --> 00:03:09.960 tax credits that have already been claimed. 66 00:03:09.960 --> 00:03:12.080 Now, how about the grants we always talk about when 67 00:03:12.120 --> 00:03:14.319 it comes to commercial are they sticking around? 68 00:03:14.879 --> 00:03:18.439 So again, the big nationwide grant's gone. The state of 69 00:03:18.479 --> 00:03:23.319 Colorado still has their grants, and that grant is tied 70 00:03:23.360 --> 00:03:27.039 to like community scenarios. So if you can say that 71 00:03:27.080 --> 00:03:28.479 you're boosting a community. 72 00:03:28.479 --> 00:03:29.639 Then you can receive back. 73 00:03:29.599 --> 00:03:32.840 Up in black Hawk or not black Hawk, up in 74 00:03:33.199 --> 00:03:34.400 where is it, Cripple Creek? 75 00:03:34.599 --> 00:03:35.400 Yeah, anywhere. 76 00:03:35.520 --> 00:03:37.120 I mean, you could do it here in Denver, as 77 00:03:37.159 --> 00:03:39.680 long as you're saying that you're supporting a community benefit. 78 00:03:39.879 --> 00:03:42.360 Like there, give me an idea of what a community 79 00:03:42.400 --> 00:03:43.120 benefit would be. 80 00:03:43.280 --> 00:03:46.719 Yeah, So there's a VFW that was interested in applying 81 00:03:46.759 --> 00:03:49.199 for that grant. So again it's just showing that it 82 00:03:49.319 --> 00:03:50.319 has a community benefit. 83 00:03:50.400 --> 00:03:51.599 And how much is that grant? 84 00:03:52.360 --> 00:03:53.919 It goes up to two and a half million, So 85 00:03:53.960 --> 00:03:54.719 it depends. 86 00:03:54.439 --> 00:03:55.199 On the projects. 87 00:03:55.439 --> 00:03:57.400 So can you cover the entire project? 88 00:03:57.599 --> 00:03:57.800 Yeah? 89 00:03:57.840 --> 00:03:59.439 Between that and the tax credits absolutely. 90 00:03:59.520 --> 00:04:02.520 Oh wow. So you can still get basically free commercial 91 00:04:02.560 --> 00:04:04.360 systems if you have the right area. 92 00:04:04.599 --> 00:04:06.800 Yeah, if you yeah, exactly, as long as you have 93 00:04:06.800 --> 00:04:08.840 the right ducks in a row to make it happen. 94 00:04:09.159 --> 00:04:12.520 All right, very interesting. We'll see what happens with that 95 00:04:12.560 --> 00:04:15.759 big beautiful bill. I mean, seriously, are. 96 00:04:15.680 --> 00:04:18.120 You excited about it or on it? 97 00:04:18.160 --> 00:04:21.319 I wanted to pass. I don't. I haven't given a 98 00:04:21.319 --> 00:04:23.399 lot of thought to the solar stuff I have to 99 00:04:23.480 --> 00:04:27.399 the cars. I don't like subsidizing other people's cars. I 100 00:04:27.439 --> 00:04:31.600 find it just I just don't like it. The solar systems. 101 00:04:32.160 --> 00:04:34.759 I don't know. I just really don't like paying for 102 00:04:34.800 --> 00:04:37.600 other people's stuff. Now, if I was going to benefit too, 103 00:04:37.680 --> 00:04:39.879 I live out in the woods. Solar for me is 104 00:04:39.879 --> 00:04:42.160 a total waste of time. There's nothing I could do. 105 00:04:42.399 --> 00:04:45.399 I only produce. Man, I'm shocked. I still don't have 106 00:04:45.480 --> 00:04:48.879 snow in my backyard. Is how much shade we have? Seriously, 107 00:04:48.920 --> 00:04:51.639 I'll have snow up through a couple months ago. But 108 00:04:52.519 --> 00:04:54.920 I don't like paying for other people's stuff in general. 109 00:04:54.959 --> 00:04:57.279 I don't like paying for other people's college. I don't 110 00:04:57.319 --> 00:05:00.399 like paying for other people's stuff. Now, if I was 111 00:05:00.439 --> 00:05:03.319 going to benefit, if I got a tax credit, that's 112 00:05:03.360 --> 00:05:06.560 fine because I'm benefiting and you're benefiting. But when it 113 00:05:06.600 --> 00:05:08.959 comes down to only you benefit and I don't get 114 00:05:09.000 --> 00:05:10.959 to benefit out of it, I don't like it. How 115 00:05:10.959 --> 00:05:11.920 about you? 116 00:05:11.959 --> 00:05:14.720 No, to be honest with you, I'm excited for that 117 00:05:14.800 --> 00:05:16.399 to go through. I know that sounds kind of odd 118 00:05:16.399 --> 00:05:18.360 because I'm in the solar space, but we're doing a 119 00:05:18.399 --> 00:05:21.160 lot more commercial and industrial level anyways at this point, 120 00:05:21.680 --> 00:05:24.920 and anytime you have too much government money into anything, 121 00:05:25.000 --> 00:05:26.680 I think you get a lot of corruption and that's 122 00:05:26.680 --> 00:05:28.959 why there's been so many issues with residential. 123 00:05:29.399 --> 00:05:32.959 Oh, you get so many bad solar companies. It's crazy, 124 00:05:33.120 --> 00:05:35.560 and it's not necessarily they were bad to start with. 125 00:05:35.959 --> 00:05:38.319 It's that they just I don't know what they do. 126 00:05:38.399 --> 00:05:40.600 They run out of money. I mean, that's kind of 127 00:05:40.639 --> 00:05:42.439 the way to do it or say it, and then 128 00:05:42.519 --> 00:05:44.839 people end up calling you. I mean you work on 129 00:05:44.920 --> 00:05:47.600 all kinds of systems for repairs. Is that a big 130 00:05:47.639 --> 00:05:48.639 part of your business. 131 00:05:49.040 --> 00:05:51.319 Yeah, we do a ton of repairs, and honestly, most 132 00:05:51.319 --> 00:05:53.120 of the time, depending on where they're at, if our 133 00:05:53.160 --> 00:05:55.680 cruise in that area will just pop over a complimentary 134 00:05:55.920 --> 00:05:57.240 just to do some kind of goodwill. 135 00:05:57.360 --> 00:05:57.519 Yeah. 136 00:05:57.600 --> 00:06:00.120 Nice. But if you mess up a. 137 00:06:00.160 --> 00:06:02.279 Big contract with a business, they can see you. They 138 00:06:02.279 --> 00:06:05.360 have those financial resources most people don't, so I think 139 00:06:05.360 --> 00:06:09.120 it'll actually get rid of a lot of the bad exactly. 140 00:06:09.279 --> 00:06:09.480 Yeah. 141 00:06:09.519 --> 00:06:12.199 We had one company we advertised for I think it 142 00:06:12.240 --> 00:06:14.439 was called Solar Mark. I hope that's not wrong. But 143 00:06:14.519 --> 00:06:18.600 it was years ago, probably fifteen years ago, and this 144 00:06:18.639 --> 00:06:21.319 guy just disappeared. I mean, I don't know what else 145 00:06:21.360 --> 00:06:23.480 to sday. He packed up, ran out of money and 146 00:06:23.560 --> 00:06:26.040 moved out of state. And it was kind of crazy. 147 00:06:26.079 --> 00:06:29.199 He had a huge place off of Santa Fe. Massive, 148 00:06:29.279 --> 00:06:32.720 I mean, a big warehouse with all kinds of stuff 149 00:06:32.759 --> 00:06:34.759 in it. I mean, I think he also did lighting, 150 00:06:35.040 --> 00:06:36.920 so a lot of it was light fixtures, but he 151 00:06:36.959 --> 00:06:38.759 had the solar panels there. He just had a lot 152 00:06:38.759 --> 00:06:41.560 of stuff, but it just never panned out. Hey, Tiffany, 153 00:06:41.600 --> 00:06:50.120 what's going on with you? Tiffany, Yeah, I'm here. How 154 00:06:50.120 --> 00:06:51.439 are you doing? What's going on? 155 00:06:52.279 --> 00:06:58.439 Oh? Well, I've been. I've been dealing with ord Walk 156 00:06:58.480 --> 00:07:02.959 Property Management nearly a year now. I feel like they're 157 00:07:02.959 --> 00:07:05.800 taking advantage of me and breaking Colorado tenant law? 158 00:07:06.360 --> 00:07:08.839 Is it a Is it a house? Is it an apartment? 159 00:07:08.959 --> 00:07:11.120 Kind of tell me about the a house. 160 00:07:11.160 --> 00:07:13.480 It's a house. It's a house, the house, and I 161 00:07:13.519 --> 00:07:18.079 am on section eight and oh my gosh, it's it's 162 00:07:18.120 --> 00:07:22.279 it's a it's a What what happens that? I originally 163 00:07:22.279 --> 00:07:25.519 figned a lease with Progressive Property in January of twenty 164 00:07:25.519 --> 00:07:28.920 twenty two. In August of twenty twenty four, Boardwalk took 165 00:07:28.959 --> 00:07:32.279 over but never gave me a new lease since then, 166 00:07:33.279 --> 00:07:36.560 I've been fighting with them since November of last year 167 00:07:36.639 --> 00:07:40.959 over utility reimbursement sees. They're charging me every month for 168 00:07:41.000 --> 00:07:43.040 one hundred and ten dollars each time. 169 00:07:43.160 --> 00:07:46.480 Are you saying you don't use that electricity or that gas? 170 00:07:46.519 --> 00:07:47.240 What is it for? 171 00:07:48.160 --> 00:07:50.160 Well, I don't know. That's what I'm trying to find out. 172 00:07:50.199 --> 00:07:52.800 For almost a year now. I have been in I 173 00:07:52.839 --> 00:07:53.399 have I. 174 00:07:53.439 --> 00:07:56.920 Have Well, what did your let's go back to your 175 00:07:56.959 --> 00:08:00.040 original lease. What did the original lease say when it 176 00:08:00.079 --> 00:08:03.480 came to utilities? Were you supposed to pay electric? In gas? 177 00:08:03.639 --> 00:08:03.879 Yeah? 178 00:08:03.920 --> 00:08:06.720 I pay all my utilities. They're all in my name, okay, 179 00:08:06.759 --> 00:08:08.759 and I have been for the last four years. 180 00:08:08.839 --> 00:08:10.680 So why do you think there's an issue if they're 181 00:08:10.800 --> 00:08:13.319 oh wait a minute, you're saying you pay them directly 182 00:08:13.480 --> 00:08:19.040 to the the utility company. Absolutely, and then these guys 183 00:08:19.040 --> 00:08:23.000 you're charging you for reimbursement of what utility? 184 00:08:23.079 --> 00:08:25.720 Reimbursementcy that's all it says, for one hundred. 185 00:08:25.480 --> 00:08:28.600 And ten dollars, yes, every month. Now, who do you 186 00:08:28.680 --> 00:08:31.920 pay each month? Tiffany? Do you pay Excel for example? 187 00:08:32.559 --> 00:08:40.120 I pay I pay yes, Excel Black and Black Black Hills. 188 00:08:40.679 --> 00:08:43.200 So you pay gas and electric? How about water? Cadet, 189 00:08:43.200 --> 00:08:46.399 I mean one hundred and ten would say again, yep, yep, I. 190 00:08:46.360 --> 00:08:49.480 Pay water as well. I pay that separately. I pay 191 00:08:49.480 --> 00:08:50.679 the trash everything. 192 00:08:51.240 --> 00:08:53.879 So when you ask these guys at Boardwalk, what do 193 00:08:53.960 --> 00:08:55.639 they say when you say, what is this for? 194 00:08:56.919 --> 00:08:59.480 The Well, one of the guys, the guy that I 195 00:08:59.519 --> 00:09:02.639 was dealing with from the from the beginning, he told 196 00:09:02.679 --> 00:09:04.600 me that he would he would explain him to me 197 00:09:04.639 --> 00:09:06.960 when he served me demand to pay papers? 198 00:09:07.240 --> 00:09:09.279 Well, what does that mean? Demand to pay? How far 199 00:09:09.320 --> 00:09:11.120 back are you on these these bills? 200 00:09:11.799 --> 00:09:14.080 These are they go? They go back all the way 201 00:09:14.080 --> 00:09:17.039 to November of twenty four and they won't take They 202 00:09:17.039 --> 00:09:20.519 take them off, then they put them back on. It's 203 00:09:20.559 --> 00:09:27.720 it's I've filed complaints with with the Better Business Bureau, 204 00:09:27.960 --> 00:09:34.039 the oh god, the Attorney General. Let's see who else? 205 00:09:34.960 --> 00:09:37.840 Who else did I fight? I f I filed complaints 206 00:09:37.840 --> 00:09:39.600 with with with everybody that I know. 207 00:09:39.879 --> 00:09:41.960 Have you talked to the Public Housing Authority? 208 00:09:42.799 --> 00:09:43.039 Yes? 209 00:09:43.080 --> 00:09:45.480 I have. Yes, I'm i I deal with them because 210 00:09:45.480 --> 00:09:46.320 I'm on Section eight. 211 00:09:46.440 --> 00:09:48.879 I understand. Well it's actually h c V. Now, but 212 00:09:49.120 --> 00:09:51.320 I get you. Do you have do you have a 213 00:09:51.399 --> 00:09:54.039 copy of your original lease that you could send over? 214 00:09:54.879 --> 00:09:55.120 Yes? 215 00:09:55.200 --> 00:09:55.639 I do. 216 00:09:55.639 --> 00:09:57.440 Do you have it in a PDF format? 217 00:09:58.600 --> 00:09:59.000 I do? 218 00:09:59.159 --> 00:09:59.720 I believe. 219 00:09:59.799 --> 00:10:01.720 Yet again, I'm gonna let me put you on old. 220 00:10:01.759 --> 00:10:03.559 Here's what I'd like to do. Kelly's going to give 221 00:10:03.600 --> 00:10:05.279 you an email. I want you to send it over, 222 00:10:05.600 --> 00:10:08.080 and Kelly send it over to me, of course, and 223 00:10:08.120 --> 00:10:11.360 then send it over to Brad O'Brien. I want him 224 00:10:11.399 --> 00:10:13.799 to eyeball it and see what it says about utilities. 225 00:10:13.960 --> 00:10:16.399 How about trash is it? I mean, once again, one 226 00:10:16.440 --> 00:10:18.759 hundred and ten a month would be insane for trash. 227 00:10:18.799 --> 00:10:20.919 But do you pay for trash at the house? 228 00:10:21.720 --> 00:10:23.320 I sure do would so. 229 00:10:23.360 --> 00:10:26.639 Honestly, there's nothing you don't pay for that you can think. 230 00:10:26.440 --> 00:10:30.519 Of, that's right, absolutely not. I even pay I they 231 00:10:30.679 --> 00:10:34.360 charged me admin fees for renters insurance that they say, See. 232 00:10:34.200 --> 00:10:36.279 I wonder if they're trying to get you out of there? 233 00:10:36.279 --> 00:10:38.360 Do you think they're trying to get you out of there? 234 00:10:38.480 --> 00:10:40.039 What do you think's going on? I? 235 00:10:40.440 --> 00:10:42.919 Well, you know, I don't. I don't, I don't know. 236 00:10:43.000 --> 00:10:45.840 I don't think so. Because of the paper the I 237 00:10:45.960 --> 00:10:49.960 received three demands to pay papers. Yeah, they're they're phony. 238 00:10:50.000 --> 00:10:51.559 There's no court significal. 239 00:10:51.600 --> 00:10:54.039 Well, I don't know. If it's a demand letter, it 240 00:10:54.080 --> 00:10:56.679 doesn't it doesn't necessarily mean it's phony. But do me 241 00:10:56.720 --> 00:10:59.240 a favor. I want you to send that over right away, 242 00:10:59.240 --> 00:11:00.840 and I also want you to send if you've got 243 00:11:00.879 --> 00:11:03.200 to take a picture of it, that's fine, But send 244 00:11:03.200 --> 00:11:06.080 me a picture one of the notices and then something 245 00:11:06.120 --> 00:11:08.240 that has a line item on it that one hundred 246 00:11:08.279 --> 00:11:12.600 and ten dollars for utilities. Okay, I sare well, all right, 247 00:11:12.600 --> 00:11:14.519 hold on, Kelly's gonna tell you where to go. Three 248 00:11:14.559 --> 00:11:17.240 oh three seven one three eight two five five. The 249 00:11:17.320 --> 00:11:21.759 landlord calls are just getting absolutely insane. Here's the deal, folks, 250 00:11:21.960 --> 00:11:24.039 if you got a bad landlord, we can help you. 251 00:11:24.279 --> 00:11:27.320 Here's here's the bottom line. And I mean this. If 252 00:11:27.360 --> 00:11:29.480 you're paying your rent on time. It's pretty hard to 253 00:11:29.559 --> 00:11:31.080 kick out a tenant in Colorado. 254 00:11:31.159 --> 00:11:31.360 Now. 255 00:11:31.519 --> 00:11:35.279 Now other states not as hard, but in Colorado you've 256 00:11:35.320 --> 00:11:37.480 got to have a hell of a good reason. And 257 00:11:37.600 --> 00:11:42.519 the numero uno is nonpayment. But this particular person, Tiffany, 258 00:11:42.559 --> 00:11:45.919 this sounds crazy. I'm gonna eyeball these notices and see 259 00:11:45.919 --> 00:11:49.240 what the hell's going on, because if she's literally telling 260 00:11:49.240 --> 00:11:52.320 me the truth and paying every utility, I couldn't think 261 00:11:52.320 --> 00:11:55.399 of anything else. You got trash, you got water, you 262 00:11:55.480 --> 00:11:58.879 got gas, you got electric. I wonder she probably just 263 00:11:59.000 --> 00:12:02.039 has his cell phone. But my goodness, something is going 264 00:12:02.080 --> 00:12:04.559 on here, and we're going to get our attorney involved 265 00:12:04.600 --> 00:12:07.240 if needed, because I'm sick and tired of these people 266 00:12:07.600 --> 00:12:10.080 just screwing with people. And I'll tell you what generally 267 00:12:10.120 --> 00:12:12.600 it is. They want to get it out and probably 268 00:12:12.639 --> 00:12:17.000 switch it off of Section eight. Or actually it's HCV now, 269 00:12:17.000 --> 00:12:21.000 which is Housing Choice Voucher and that's a program and 270 00:12:21.080 --> 00:12:24.200 it's run by the Public Housing Authority right here in 271 00:12:24.240 --> 00:12:28.080 Colorado for low income families. So here's the deal. Three 272 00:12:28.159 --> 00:12:31.559 oh three seven one three eight two five five, Hold tight, 273 00:12:36.639 --> 00:12:37.559 Go with a sure. 274 00:12:37.480 --> 00:12:40.919 Thing Denver's best roofer Excel Roofing dot com. You don't 275 00:12:40.919 --> 00:12:46.960 pay a cent until you're contents. Time for an insurance 276 00:12:47.039 --> 00:12:51.159 check up, free, no obligation comparison call Compass Insurance paying 277 00:12:51.200 --> 00:12:54.240 too much your coverage at dozens of insurance companies find 278 00:12:54.240 --> 00:12:56.240 out now three oh three seven to seven to one. 279 00:12:56.320 --> 00:12:56.600 Help. 280 00:12:56.759 --> 00:12:59.399 You'll think you're his only customer when you choose Frank 281 00:12:59.440 --> 00:13:01.919 durand the Real state Man dot com to list your 282 00:13:01.960 --> 00:13:05.120 home with Remax Alliance three oh three nine two zero 283 00:13:05.200 --> 00:13:06.200 sixteen twenty two. 284 00:13:07.519 --> 00:13:10.480 All right. Three oh three seven one three eight two 285 00:13:10.639 --> 00:13:14.240 five five Kelly, did she send that leash yet I 286 00:13:14.279 --> 00:13:16.879 did not see it in my email. Let me know 287 00:13:16.919 --> 00:13:20.240 when that comes through, please, So Tiffany, hold tight. I 288 00:13:20.279 --> 00:13:22.480 want to get that over to our attorney, Brad O'Brien 289 00:13:22.519 --> 00:13:25.039 so he can eyeball it. I want to eyeball it. 290 00:13:25.080 --> 00:13:27.279 Then we're going to go from there. Three oh three 291 00:13:27.320 --> 00:13:29.519 seven one, three eight two five five. We got a 292 00:13:29.519 --> 00:13:32.120 couple lines open. You got a bad contractor you want 293 00:13:32.120 --> 00:13:34.200 to tell us about I'd love to hear about it. 294 00:13:34.480 --> 00:13:37.720 We love recovering money for you. In fact, to the 295 00:13:37.720 --> 00:13:40.480 tune of over three hundred million dollars in cash, merchandise 296 00:13:40.559 --> 00:13:44.480 exchanges refunds directly due to this show for over forty 297 00:13:44.519 --> 00:13:47.639 five years, by the way, the longest running show with 298 00:13:47.759 --> 00:13:52.200 the same host in the entire country. Tricia, What is 299 00:13:52.279 --> 00:13:55.320 going on with you? Tricia? 300 00:13:55.480 --> 00:13:59.679 Well, I ended up getting the estimates and it's just 301 00:13:59.759 --> 00:14:01.120 under two thousand dollars. 302 00:14:01.200 --> 00:14:03.960 You're gonna have to catch me up big time. What 303 00:14:04.039 --> 00:14:06.639 were you getting an estimate for? And whom did you 304 00:14:06.679 --> 00:14:07.679 get it from? 305 00:14:08.120 --> 00:14:11.519 So I went to car Toys to get a new 306 00:14:11.559 --> 00:14:15.559 stereo and they didn't watch my hook properly. Oh and 307 00:14:15.559 --> 00:14:18.039 I going about sixty five miles an hour on thirty six, 308 00:14:18.440 --> 00:14:19.440 it flew open. 309 00:14:19.679 --> 00:14:21.799 Now, wait a second, wait a second, what kind of 310 00:14:21.840 --> 00:14:22.559 car is this. 311 00:14:23.440 --> 00:14:26.159 It's a two thousand and two Hundai XD three fifty. 312 00:14:26.320 --> 00:14:30.120 Now, this is going to sound crazy, but most cars 313 00:14:30.679 --> 00:14:34.000 you basically pull a lever and it comes up a 314 00:14:34.000 --> 00:14:38.279 little bit. Then you have to manually move over basically 315 00:14:38.360 --> 00:14:40.960 a metal buckle in order for it to come up 316 00:14:41.320 --> 00:14:43.720 the rest of the way. When you say they didn't 317 00:14:43.799 --> 00:14:47.360 latch it properly, did they not close it all the 318 00:14:47.399 --> 00:14:48.879 way or what happened? 319 00:14:50.320 --> 00:14:52.399 I'm not sure because they will not show me the 320 00:14:52.399 --> 00:14:55.840 footage of them opening my hood to unhook the battery 321 00:14:55.840 --> 00:14:57.120 to install my radio. 322 00:14:57.960 --> 00:14:59.960 I'm still a little lost here. How do you know 323 00:15:00.159 --> 00:15:02.480 they have footage? 324 00:15:02.879 --> 00:15:07.840 Well, I called them several times to ask and see 325 00:15:07.879 --> 00:15:08.720 what happened. 326 00:15:08.759 --> 00:15:12.039 Basically, well, let's talk about that. That's what I want 327 00:15:12.080 --> 00:15:14.559 to know. What happened with you? So whatever they did, 328 00:15:14.600 --> 00:15:17.399 we don't know. But you went, you picked up the car. 329 00:15:17.480 --> 00:15:20.240 I assume you paid for the stereo, and then what. 330 00:15:20.360 --> 00:15:24.240 Happened I don't know because I'm not. 331 00:15:24.120 --> 00:15:25.080 Sure what they did. 332 00:15:25.360 --> 00:15:28.519 No, Tricia, you're missing me. Like you were driving down 333 00:15:28.559 --> 00:15:31.519 the road and your hood flew open and hit your 334 00:15:31.720 --> 00:15:34.120 hit the top of your car and broke the windshield 335 00:15:34.120 --> 00:15:36.480 and you got into a car wreck and killed four people. 336 00:15:36.679 --> 00:15:37.440 What happened? 337 00:15:38.679 --> 00:15:42.000 No, it didn't break my windshield on the highway. It 338 00:15:42.039 --> 00:15:44.480 flew open and I immediately got over to the left 339 00:15:44.480 --> 00:15:45.279 side of the highway. 340 00:15:45.399 --> 00:15:49.399 Got it. Well, that's scary, it's terrifying. I've been there. 341 00:15:49.440 --> 00:15:52.279 I've done that. Literally, yep, I've done it. I was 342 00:15:52.320 --> 00:15:54.840 at seventy miles an hour on Sea four seventy and 343 00:15:54.919 --> 00:15:58.679 I thought I was pulling the emergency brake to let 344 00:15:58.759 --> 00:16:01.159 up on the pedal on an old thunderbird, and I 345 00:16:01.240 --> 00:16:05.840 pulled the hood and the second dairy latch failed and 346 00:16:06.000 --> 00:16:09.000 basically that hood flew open and just scared the hell 347 00:16:09.039 --> 00:16:11.600 out of me. So what damage are you seeking? It 348 00:16:11.639 --> 00:16:14.240 didn't break your windshield. How much damage did it do? 349 00:16:15.720 --> 00:16:18.559 Currently? My hood is bent in half. Wow, And I 350 00:16:19.080 --> 00:16:21.360 have a giant dent in the roof of my car, 351 00:16:21.399 --> 00:16:24.000 which that I'm not worried about. It's the hood itself 352 00:16:24.039 --> 00:16:24.720 that I'm worried about. 353 00:16:24.799 --> 00:16:26.960 Did you get it to Wow? Why wouldn't you be 354 00:16:27.000 --> 00:16:29.639 worried about a huge damp? 355 00:16:29.960 --> 00:16:31.759 I came in late. But why is she why does 356 00:16:31.799 --> 00:16:34.039 she think this is Car Toy's fault. I missed that 357 00:16:34.159 --> 00:16:35.159 part because. 358 00:16:34.879 --> 00:16:37.360 She picked up her car from Car Toys after they 359 00:16:37.840 --> 00:16:40.840 were messing with the battery in her car, so they 360 00:16:40.879 --> 00:16:41.679 had the hood open. 361 00:16:42.440 --> 00:16:42.840 All right. 362 00:16:42.919 --> 00:16:44.600 What is car Toys saying, Tricia. 363 00:16:45.879 --> 00:16:48.279 They're saying they never opened my hood at all. 364 00:16:49.159 --> 00:16:52.360 They're saying they never opened it. Yeah, how do you 365 00:16:52.399 --> 00:16:54.480 know they had to tap into the battery. 366 00:16:55.440 --> 00:16:57.960 Unless you want to get electrocuted. When you're working on 367 00:16:59.039 --> 00:17:01.960 electrical work, you have to unhook the battery or unhook 368 00:17:02.000 --> 00:17:02.399 the fuse. 369 00:17:02.480 --> 00:17:02.679 Yeah. 370 00:17:02.679 --> 00:17:05.200 I don't just confirm that with Sheridan Autotech since he 371 00:17:05.200 --> 00:17:06.240 does electric. 372 00:17:06.039 --> 00:17:10.759 Yeah, let's get Uncle Kevin on Kelly, Tricia, did you 373 00:17:10.759 --> 00:17:13.279 bring it to a body shop? Has anybody looked at 374 00:17:13.319 --> 00:17:15.240 it and said what the failure point was? 375 00:17:16.960 --> 00:17:18.599 I did bring it to a body shop, and they 376 00:17:18.599 --> 00:17:20.960 didn't tell me what the failure point was. They've just 377 00:17:21.000 --> 00:17:23.559 told me how much it would be to fix it. 378 00:17:23.640 --> 00:17:26.359 Basically, here's where I'm getting a little stuck on this. 379 00:17:26.480 --> 00:17:29.680 So if I come out and I help you jumpstart 380 00:17:29.720 --> 00:17:32.079 your car because it died in a Walmart parking lot 381 00:17:32.200 --> 00:17:34.720 or at the Pepsi Center or whatever it's called these days, 382 00:17:35.119 --> 00:17:37.960 if anybody helps you, A tow truck driver, an auto shop, 383 00:17:38.039 --> 00:17:42.759 someone comes out and they simply pop your hood, jumpstart you, 384 00:17:42.839 --> 00:17:45.039 then close your hood and you drive down the road 385 00:17:45.079 --> 00:17:47.200 and the hood flies open. I don't think it would 386 00:17:47.240 --> 00:17:50.359 be their fault. Now, if car toys went over there 387 00:17:50.359 --> 00:17:54.640 and somehow bent or moved or did something to create 388 00:17:54.680 --> 00:17:57.160 the issue, I would find them libel on that. But 389 00:17:57.799 --> 00:18:01.799 why do you think they're libel if? I mean, when 390 00:18:01.799 --> 00:18:04.359 you picked it up, was the hood closed or were 391 00:18:04.400 --> 00:18:06.599 you saying they left it wide open or what? 392 00:18:07.759 --> 00:18:10.240 They didn't leave it wide open? I'm not sure because 393 00:18:10.240 --> 00:18:12.519 I didn't think to check it after I picked. 394 00:18:12.319 --> 00:18:14.279 It up, but it appeared closed to you. I mean 395 00:18:14.319 --> 00:18:17.240 you're driving, you're looking out the windshield. It looks normal. 396 00:18:18.000 --> 00:18:18.799 Yeah, exactly. 397 00:18:20.079 --> 00:18:23.079 I don't know what they could have done. That's what 398 00:18:23.160 --> 00:18:25.680 I'm trying to figure out. What kind of vehicle was it? Again? 399 00:18:26.839 --> 00:18:27.599 It was it two. 400 00:18:27.400 --> 00:18:30.359 Thousand and two hyda xtually three fifty. 401 00:18:30.839 --> 00:18:34.400 Two thousand eight? Again, I'm sorry, two thousand and what two. 402 00:18:34.319 --> 00:18:37.720 Thousand and two, yep, Sunday actually three fifty. 403 00:18:38.039 --> 00:18:40.039 I don't know what that is. What kind of vehicle 404 00:18:40.079 --> 00:18:41.240 is it? 405 00:18:41.240 --> 00:18:42.839 It's a sedan, It's. 406 00:18:42.640 --> 00:18:44.319 A sedan boy. I'm just not used to that. 407 00:18:46.319 --> 00:18:48.119 Yeah, it's is it small or car? 408 00:18:48.519 --> 00:18:51.839 Yeah? So when you talk to them now, they're basically 409 00:18:51.839 --> 00:18:54.400 saying we didn't do anything period. Have you thought about 410 00:18:54.480 --> 00:18:56.440 just bringing them to some small claims court? 411 00:18:58.079 --> 00:19:00.559 I have, But I called you before four and you 412 00:19:00.640 --> 00:19:03.000 said that you would talk to them before I would 413 00:19:03.000 --> 00:19:04.200 bring them to small claims court. 414 00:19:04.240 --> 00:19:06.640 Who did we assign to it? Do you remember, Suzanne? 415 00:19:06.680 --> 00:19:08.799 Can you pull it up in our notes? 416 00:19:09.160 --> 00:19:10.319 Nobody was assigned? 417 00:19:10.920 --> 00:19:13.359 Well, then, what were we supposed to do on it? 418 00:19:13.400 --> 00:19:14.640 I guess let's do this. 419 00:19:15.119 --> 00:19:19.240 Gave her advice and she followed it, and now she's 420 00:19:19.920 --> 00:19:20.640 calling back. 421 00:19:20.519 --> 00:19:21.319 For a follow up. 422 00:19:21.400 --> 00:19:23.519 And that advice was, what go out and figure out 423 00:19:23.519 --> 00:19:24.440 how much to fix it? 424 00:19:24.599 --> 00:19:24.839 Well? 425 00:19:25.559 --> 00:19:30.440 He advised her to call car toys, Yeah, and try 426 00:19:30.440 --> 00:19:31.119 to work it out. 427 00:19:31.240 --> 00:19:32.319 And none of that's happening. 428 00:19:32.400 --> 00:19:34.720 Yeah, none of it is happenings. 429 00:19:34.759 --> 00:19:35.079 Sign it. 430 00:19:35.200 --> 00:19:37.240 Let's see if we can't get Uncle Kevin on. I 431 00:19:37.319 --> 00:19:40.200 just want to verify a few things on that vehicle. Tricia, 432 00:19:40.279 --> 00:19:44.000 hold on and what Lowell? What real quick? What location 433 00:19:44.240 --> 00:19:46.680 is it? 434 00:19:46.839 --> 00:19:46.960 Then? 435 00:19:47.079 --> 00:19:48.759 Her location off of Broadway? 436 00:19:49.079 --> 00:19:51.039 Off of Broadway? Okay? Hold on a secon all right, 437 00:19:51.079 --> 00:19:53.400 three oh three seven one three eight two five five. 438 00:19:53.559 --> 00:19:55.519 We got a few lines open love to hear from 439 00:19:55.519 --> 00:20:00.200 you A three zero three Martino. 440 00:20:02.039 --> 00:20:05.279 Go with a sure thing Denver's best roofer Excel Roofing 441 00:20:05.400 --> 00:20:10.559 dot com. You don't pay a cent until you're contenth 442 00:20:11.400 --> 00:20:14.599 time for an insurance checkup free, no obligation. In comparison, 443 00:20:14.720 --> 00:20:18.279 call Compass Insurance paying too much your coverage at dozens 444 00:20:18.279 --> 00:20:21.039 of insurance companies find out now three oh three, seven 445 00:20:21.039 --> 00:20:23.400 to seven to one help. You'll think you're his only 446 00:20:23.480 --> 00:20:25.960 customer when you choose Frank durand the real estate Man 447 00:20:26.000 --> 00:20:29.400 dot com to list your home with Remax Alliance three 448 00:20:29.480 --> 00:20:31.680 oh three nine two zero sixteen twenty two. 449 00:20:33.480 --> 00:20:36.839 All right, three oh three seven one three eight two 450 00:20:37.000 --> 00:20:40.519 five five three oh three Martino. Uh. By the way, 451 00:20:40.599 --> 00:20:46.039 this hour brought to you by water Pros waterpros dot net. 452 00:20:46.039 --> 00:20:48.880 Here's what I love about Paul. He sells the best 453 00:20:48.920 --> 00:20:51.519 equipment for less money. That is the best way to 454 00:20:51.519 --> 00:20:53.839 say it. He's got a water system right now that 455 00:20:53.960 --> 00:20:57.119 not only softens the water for the entire house, it 456 00:20:57.160 --> 00:20:59.880 gets rid of the chlorine for the entire house. In 457 00:21:00.119 --> 00:21:04.240 gets rid of forever chemicals for the entire house, protect 458 00:21:04.279 --> 00:21:06.359 your family, get it done. They'll come out to a 459 00:21:06.359 --> 00:21:08.799 free water test as well, and they're not gonna sit 460 00:21:08.880 --> 00:21:11.440 there and twist your arm. They're not high strung like 461 00:21:11.759 --> 00:21:15.200 some of their competition. But their price for that is 462 00:21:15.279 --> 00:21:18.720 thirty seven hundred bucks. You realize that competition could be 463 00:21:18.759 --> 00:21:22.440 over ten thousand dollars for a unit that does all 464 00:21:22.480 --> 00:21:26.119 of that. Just getting rid of the forever chemicals is 465 00:21:26.279 --> 00:21:28.680 enough for me. I love every bit of that. And 466 00:21:28.759 --> 00:21:30.559 if you don't know what they are, just google them. 467 00:21:30.559 --> 00:21:33.240 In fact, they don't even want you eating the fish 468 00:21:33.519 --> 00:21:37.720 I believe in Cherry Creek Reservoir now because of contamination. 469 00:21:38.119 --> 00:21:41.119 Here's the bottom line, though, waterpros dot net the best 470 00:21:41.160 --> 00:21:46.559 for less waterpros dot net now, Uncle Kevin, Kevin call 471 00:21:46.599 --> 00:21:48.559 can share it an auto tech Hey man, how are 472 00:21:48.599 --> 00:21:49.480 you doing today? Kevin? 473 00:21:49.480 --> 00:21:49.680 Hey? 474 00:21:49.720 --> 00:21:50.960 Mark going on? Hey? 475 00:21:50.960 --> 00:21:54.000 Are you coming in Friday? By the way, yeah, I am. 476 00:21:54.160 --> 00:21:56.559 We missed you last Friday. What were you playing hooky for? 477 00:21:56.640 --> 00:22:00.359 Broh One of my guys said, wisdom teeth out and 478 00:22:00.400 --> 00:22:01.839 died he needed a three a week. 479 00:22:02.160 --> 00:22:05.240 Come on, Wisdom teeth, get them out at eight am. 480 00:22:05.279 --> 00:22:10.839 You're a work by nine, right, little tailand come on Yeah, aspirin. Hey, 481 00:22:10.960 --> 00:22:13.519 this one's a little crazy. First of all, I had 482 00:22:13.559 --> 00:22:15.720 to look this car up. You know, I'm a Hondai fan. 483 00:22:15.839 --> 00:22:19.640 I have never heard of this Hondai. It was called 484 00:22:20.160 --> 00:22:23.119 next G three fifty kevin and what did it stand for? 485 00:22:23.240 --> 00:22:26.519 Extra Grand door? And it was made in two thousand 486 00:22:26.559 --> 00:22:30.240 and two. I think eventually it became the Genesis line 487 00:22:30.319 --> 00:22:33.839 because according to Hondai's website, it was over the Alantra 488 00:22:33.920 --> 00:22:37.680 and the Sonati. It was like their primo vehicle back 489 00:22:37.720 --> 00:22:40.680 in the early two thousands. But she brings it to 490 00:22:40.759 --> 00:22:43.400 car toys. Have you heard of that before, by the way. 491 00:22:44.599 --> 00:22:46.839 Actually no, no, that's a new one for me too. 492 00:22:46.960 --> 00:22:50.359 I've never heard of it, never heard of it anyhow, though, 493 00:22:50.359 --> 00:22:52.640 here's the deal. She brings it to car toys. So 494 00:22:52.680 --> 00:22:54.680 I got a few questions here. Once she gets a 495 00:22:54.680 --> 00:22:58.599 new radio installed, typically would you have to mess with 496 00:22:58.640 --> 00:23:01.519 the battery or go under the hood. 497 00:23:02.880 --> 00:23:04.640 Well, a lot of times you want to disconnect the 498 00:23:04.720 --> 00:23:08.359 battery if you're doing electrical work. Yeah, so it is possible, yes. 499 00:23:08.400 --> 00:23:11.000 Yeah, fair enough. We've had some people on YouTube say 500 00:23:11.000 --> 00:23:13.440 that they're all just plug and play on that one. 501 00:23:13.480 --> 00:23:16.119 But I know nothing about that. Vehicle. But I would 502 00:23:16.200 --> 00:23:21.359 guess if you're working on any kind of electronics camera systems, 503 00:23:21.799 --> 00:23:25.200 dash cams, radio, anything like that, you probably would unhooked 504 00:23:25.200 --> 00:23:28.279 the battery. But here's where the baffling part. So she 505 00:23:28.440 --> 00:23:31.559 picks it up and hops in it, pays for the radio, 506 00:23:31.640 --> 00:23:35.079 starts driving down the road, and everything seems fine when 507 00:23:35.119 --> 00:23:37.240 she picks it up, and this has nothing to do 508 00:23:37.319 --> 00:23:40.200 with the radio. All of a sudden, the hood flies open, 509 00:23:40.799 --> 00:23:44.359 smacks the top of her car and basically bends the 510 00:23:44.400 --> 00:23:47.119 hood in half and puts a dent on the top 511 00:23:47.400 --> 00:23:50.319 of her car. So a couple things come to mind. 512 00:23:50.400 --> 00:23:53.720 This actually happened to me years ago. In fact, I 513 00:23:53.759 --> 00:23:56.759 was probably twenty five years old c. Four seventy. I 514 00:23:56.839 --> 00:23:59.720 thought the emerged that the brake light was on on 515 00:23:59.839 --> 00:24:03.480 my mom's car. Of all cars, it was an old Thunderbird, 516 00:24:03.599 --> 00:24:06.599 like a two thousand thunderbird. So the brake light was on. 517 00:24:06.759 --> 00:24:09.400 And I was used to my car where if I 518 00:24:09.480 --> 00:24:12.000 barely hit that brake pedal, i'd just pull the lever 519 00:24:12.400 --> 00:24:14.519 and sure enough, you know, the brake light would go off. 520 00:24:14.559 --> 00:24:17.759 So I reached down where my lever was pulled that lever. 521 00:24:18.000 --> 00:24:21.119 It unlatched the hood. Yeah, I know, it's scared to 522 00:24:21.279 --> 00:24:24.519 live it out of me. So but but but what 523 00:24:24.880 --> 00:24:29.519 ultimately happened in my case is that secondary failed because generally, 524 00:24:29.559 --> 00:24:31.519 if you pull that lever, it's still not going to 525 00:24:31.599 --> 00:24:34.319 fly open. They do that on purpose, but on mine 526 00:24:34.519 --> 00:24:38.279 it failed for whatever reason. So can you think of 527 00:24:38.440 --> 00:24:41.720 anything and I can't that car toys could have done, 528 00:24:41.799 --> 00:24:44.400 even if they unhooked a battery, even if they were 529 00:24:44.480 --> 00:24:47.000 under the hood in the fuse box. No matter what, 530 00:24:47.079 --> 00:24:49.160 if they were under the hood, what could they have 531 00:24:49.319 --> 00:24:54.000 possibly have done to break a hood to where it 532 00:24:54.039 --> 00:24:56.720 would do that? They say, they've never even opened the hood, 533 00:24:56.920 --> 00:25:01.359 But what do you make of it? 534 00:25:01.519 --> 00:25:03.960 That's a tough one. But I you know, those those 535 00:25:04.440 --> 00:25:07.240 safeties are all will and good, but they're not fail safe. 536 00:25:07.240 --> 00:25:10.839 They're very very light, you know. Yeah, they can fail 537 00:25:10.960 --> 00:25:14.440 very easily, especially in you know, an older car. You 538 00:25:14.559 --> 00:25:16.799 just never know if it's not lined upright or something. 539 00:25:16.920 --> 00:25:18.440 But you know, I mean. 540 00:25:18.359 --> 00:25:20.279 They'd have to go out of their way to like 541 00:25:20.440 --> 00:25:22.960 move it or bend it. I mean just opening and 542 00:25:23.000 --> 00:25:25.759 closing the hood. Well, okay, she might as well have 543 00:25:25.799 --> 00:25:28.720 brought it to you guys for an oil change, and 544 00:25:28.759 --> 00:25:30.680 you pop the hood, you put oil in it, you 545 00:25:30.720 --> 00:25:33.160 close the hood, and this could have happened and she'd 546 00:25:33.160 --> 00:25:33.960 be blaming you. 547 00:25:35.319 --> 00:25:38.880 Yes, no, absolutely, And that's why we always double check hooks. 548 00:25:38.680 --> 00:25:41.359 That's that's our checklist before the car leaves, because they 549 00:25:41.400 --> 00:25:43.920 do miss Sometimes you think you got to close and 550 00:25:43.960 --> 00:25:45.720 it's not closed all the way, So I. 551 00:25:45.680 --> 00:25:48.039 Wonder how you would possibly And she's brought it to 552 00:25:48.039 --> 00:25:49.839 the body shop and they tell her how much to 553 00:25:49.880 --> 00:25:52.160 fix it, but they have no idea what happened, why 554 00:25:52.240 --> 00:25:55.359 it happened. Let me ask her that real quick. Hey, 555 00:25:55.440 --> 00:25:57.640 they did tell you at the body shop. They can't 556 00:25:57.680 --> 00:26:01.359 determine like was the latch broke or what was going on? 557 00:26:01.519 --> 00:26:04.519 Right, I think, if I remember correctly, they said the 558 00:26:04.599 --> 00:26:07.160 latch was broken and then I would need a new one. 559 00:26:07.440 --> 00:26:09.799 It would be so hard for these guys to break 560 00:26:09.839 --> 00:26:14.039 that latch, Tricia. Now I'm not saying it's impossible. I 561 00:26:14.079 --> 00:26:17.400 mean maybe they put something and then went to close 562 00:26:17.440 --> 00:26:19.720 it and that something was in the way and it 563 00:26:19.799 --> 00:26:22.200 broke or moved. I mean, anything could happen. 564 00:26:23.400 --> 00:26:25.279 You can have a fender cover in the way and 565 00:26:25.319 --> 00:26:27.359 you didn't fee it, a rag, I mean, anything could 566 00:26:27.359 --> 00:26:31.599 get in there. So yeah, and then it didntes after 567 00:26:31.640 --> 00:26:32.079 you left it. 568 00:26:32.279 --> 00:26:34.880 Yeah, Tricia, how long and where were you? How fast 569 00:26:34.920 --> 00:26:35.519 were you going? 570 00:26:36.279 --> 00:26:40.240 I think it was maybe about ten fifteen minutes and 571 00:26:40.559 --> 00:26:44.519 I was on Highway thirty six going about sixty five 572 00:26:44.519 --> 00:26:45.160 miles an hour. 573 00:26:45.759 --> 00:26:50.200 Yeah, terrifying, Absolutely terrifying. Hey, when's the last time your 574 00:26:50.200 --> 00:26:52.880 hood was open prior to car toys? Like, when's the 575 00:26:52.920 --> 00:26:55.240 last time you got an oil change or win shield 576 00:26:55.319 --> 00:26:56.359 washeror fluid whatever? 577 00:26:57.759 --> 00:26:59.640 I think I had actually just put oil in it 578 00:26:59.720 --> 00:27:00.720 not too long before. 579 00:27:01.880 --> 00:27:04.240 Yeah, what I would do? I mean, so, Kevin, you 580 00:27:04.319 --> 00:27:07.960 said something I didn't think about, even a rag or something. 581 00:27:08.240 --> 00:27:10.200 If they used a rag to undo one of the 582 00:27:11.200 --> 00:27:14.160 negative battery cable, they could have put that rag down. 583 00:27:14.200 --> 00:27:16.920 Then when they shut the hood, that made it so 584 00:27:16.960 --> 00:27:21.119 that latch didn't grab, but yet it appeared closed. Sure, 585 00:27:22.240 --> 00:27:26.839 yeah that could have happened, Tricia. I mean yeah, I 586 00:27:26.880 --> 00:27:29.480 mean it's do you agree with that, Kevin? It is 587 00:27:29.559 --> 00:27:30.880 kind of a weird coincidence. 588 00:27:31.960 --> 00:27:35.400 It is mere days later, no chance, you know, ten 589 00:27:35.480 --> 00:27:36.119 minutes after? 590 00:27:36.519 --> 00:27:40.759 Yeah, too close. And they won't show her the video. 591 00:27:41.000 --> 00:27:42.880 We don't know for a fact there is video, but 592 00:27:43.599 --> 00:27:45.880 they're claiming they didn't even open the hood. But I 593 00:27:45.920 --> 00:27:49.559 agree with her. I would think car toys generally would 594 00:27:49.599 --> 00:27:51.920 do that. You know what I'd like to do? Hey, 595 00:27:52.319 --> 00:27:54.039 let me get you done. See you can get back 596 00:27:54.160 --> 00:27:56.759 to work, Kevin. But Kevin Calkin shared an auto tech 597 00:27:57.000 --> 00:27:59.720 I talk about this guy all the time. His shop 598 00:27:59.799 --> 00:28:03.039 is wonderful. When it comes to electrical issues, He's simply 599 00:28:03.079 --> 00:28:05.559 the best out there. He's got the best guys to 600 00:28:05.720 --> 00:28:08.200 dig in and figure out where that draw is coming from, 601 00:28:08.240 --> 00:28:11.039 figure out anything electrical. But other than that, of course, 602 00:28:11.079 --> 00:28:14.319 he does anything that has to do with maintenance repair 603 00:28:14.400 --> 00:28:18.519 on a car. And the warranties fabulous three year, thirty 604 00:28:18.519 --> 00:28:22.000 six thousand mile nationwide with the nap Autocare program. So 605 00:28:22.160 --> 00:28:25.000 if you need someone to maintain or repair your car, 606 00:28:25.359 --> 00:28:28.440 go to someone we trust big time. Sharredan autotech dot 607 00:28:28.480 --> 00:28:32.039 com sharedan autotech dot com Hey, Tricia, here's what I 608 00:28:32.039 --> 00:28:34.359 want to do. I've got some ideas for you, and 609 00:28:34.480 --> 00:28:36.559 I'm going to tell you what's going on right after 610 00:28:36.599 --> 00:28:39.759 this hold on three oh three seven one three talk. 611 00:28:45.240 --> 00:28:48.480 Go with a sure thing Denver's best roofer Excel roofing 612 00:28:48.599 --> 00:28:49.200 dot com. 613 00:28:49.240 --> 00:28:51.240 You don't pay a cent until you're content. 614 00:28:54.599 --> 00:28:57.799 Time for an insurance check up free, no obligation comparison 615 00:28:57.920 --> 00:29:01.480 call Compass Insurance paying too much your coverage at dozens 616 00:29:01.519 --> 00:29:04.240 of insurance companies find out now three all three seven 617 00:29:04.240 --> 00:29:06.599 to seven to one help. You'll think you're his only 618 00:29:06.680 --> 00:29:09.160 customer when you choose Frank durand the real estate man 619 00:29:09.200 --> 00:29:12.599 dot com to list your home with Remax Alliance three 620 00:29:12.680 --> 00:29:16.599 oh three nine two zero sixteen twenty two all. 621 00:29:16.599 --> 00:29:19.359 Right, three oh three seven one three eight two five five. 622 00:29:19.400 --> 00:29:21.160 What do you do? You bring your car to car 623 00:29:21.279 --> 00:29:25.640 Toys and you have a new stereo installed. Then you're 624 00:29:25.720 --> 00:29:27.839 driving down the road. After you pick it up, pay 625 00:29:27.880 --> 00:29:31.440 for it. Ten minutes later, hood flies open, smacks atop 626 00:29:31.480 --> 00:29:34.359 of your car, Benzo, hood in half does damage on 627 00:29:34.440 --> 00:29:37.839 the top, Tricia. How much was the body shop's estimate 628 00:29:37.920 --> 00:29:39.720 total to fix it? 629 00:29:39.720 --> 00:29:42.119 It was just under two thousand dollars. I believe it 630 00:29:42.160 --> 00:29:44.279 was like one eight hundred plus some. 631 00:29:44.640 --> 00:29:47.079 And that includes the actual roof too. 632 00:29:48.160 --> 00:29:50.519 No, that does not include the roof. I'm not worried 633 00:29:50.519 --> 00:29:51.119 about the roof. 634 00:29:51.160 --> 00:29:53.720 Okay, here's what I would do. We're gonna do this 635 00:29:53.799 --> 00:29:56.599 in twofold. I'm gonna put you with Deputy Dimitri so 636 00:29:56.680 --> 00:30:00.880 Suzanne make sure he gets all the information. Tricia. We're 637 00:30:00.880 --> 00:30:02.839 going to have him reach out to you. He's gonna 638 00:30:02.839 --> 00:30:05.799 call and talk to Car Toys first if they're not 639 00:30:05.880 --> 00:30:08.680 going to play ball, because I do find it a 640 00:30:08.759 --> 00:30:13.039 little strange that this happened afterwards, and Kevin really put 641 00:30:13.079 --> 00:30:15.920 a bug in my brain about leaving a rag there 642 00:30:16.079 --> 00:30:18.920 or anything that can block that latch. So you think 643 00:30:19.160 --> 00:30:21.480 the hood is closed. At first, I was like, I 644 00:30:21.480 --> 00:30:24.359 don't know how that could happen, but now I can see. 645 00:30:24.400 --> 00:30:26.640 Plus you said he had an oil change or added 646 00:30:26.680 --> 00:30:30.079 oil not long before that, and of course it didn't 647 00:30:30.119 --> 00:30:34.160 pop up on the highway. So if Dmitri cannot get 648 00:30:34.599 --> 00:30:37.559 through to them to do something, and the fact you're 649 00:30:37.559 --> 00:30:40.680 not asking to get that hood replaced, I find is 650 00:30:40.880 --> 00:30:43.640 or I'm sorry, the roof replaced or the roof fixed. 651 00:30:43.880 --> 00:30:46.680 I think that's great. So eighteen hundred bucks or at 652 00:30:46.759 --> 00:30:49.000 least something to get it fixed for you. So he's 653 00:30:49.039 --> 00:30:52.359 going to try that first. If that doesn't work. Deputyd 654 00:30:52.559 --> 00:30:56.079 has been to Small Claim Score almost as much as me. Now, 655 00:30:56.240 --> 00:30:58.279 he's not an attorney and he's not going to give 656 00:30:58.279 --> 00:31:01.000 you legal advice, but he's going to tell you where 657 00:31:01.119 --> 00:31:03.960 to get to documents, where to file it, and it's 658 00:31:04.039 --> 00:31:06.839 only going to cost you fifty bucks. And I would 659 00:31:06.920 --> 00:31:10.400 think a company the size of car Toys would probably 660 00:31:10.440 --> 00:31:12.920 go ahead and settle before you even had to show 661 00:31:13.000 --> 00:31:15.079 up to court. But if you did have to show 662 00:31:15.160 --> 00:31:18.240 up to court, I think you have a chance of winning. 663 00:31:18.599 --> 00:31:21.200 Not a great chance, but I do think you've got 664 00:31:21.200 --> 00:31:25.079 a forty to fifty chance of winning. And you know, 665 00:31:25.319 --> 00:31:28.000 it's only a fifty dollars crapshoot at that point. So 666 00:31:28.160 --> 00:31:31.200 they might pay you before court because of the size 667 00:31:31.200 --> 00:31:33.599 of the company and how much time it would take 668 00:31:33.680 --> 00:31:36.680 to hire an attorney and show up to small claims court. 669 00:31:36.920 --> 00:31:41.319 But Tricia, that is the next step, Okay, okay, So 670 00:31:41.759 --> 00:31:44.599 Dmitri will be reaching out to you. Suzanne's going to 671 00:31:44.680 --> 00:31:47.920 get him all your information. In fact, Kelly pick up, 672 00:31:48.039 --> 00:31:52.039 make sure we have everything. And during the break, I 673 00:31:52.160 --> 00:31:54.960 was talking to Brook with Red Rock Solar. We were 674 00:31:55.000 --> 00:31:57.359 talking at the beginning of the show. She said, if 675 00:31:57.400 --> 00:32:00.480 the big beautiful Bill goes by or go as, we 676 00:32:00.599 --> 00:32:04.160 are not going to have the thirty percent tax credit 677 00:32:04.480 --> 00:32:07.319 on residential. Now we're going to be diving in to 678 00:32:07.440 --> 00:32:10.039 the commercial stuff she does, and you're going to be shocked. 679 00:32:10.160 --> 00:32:13.200 There's systems. There is systems out there. You can build 680 00:32:13.240 --> 00:32:16.079 these solar farms for free, and we're going to be 681 00:32:16.160 --> 00:32:18.640 talking about that. But I want to go back to 682 00:32:18.720 --> 00:32:22.960 this real quick, Brook. That thirty percent on residential is huge. 683 00:32:23.160 --> 00:32:27.200 If you said the average system is twenty four thousand bucks, yeah, 684 00:32:27.279 --> 00:32:30.359 so and really that's not twenty four it's eighteen thousand 685 00:32:30.480 --> 00:32:31.920 or no, seventeen. 686 00:32:31.480 --> 00:32:33.319 Thousand, yeah, just a little under seventeen. 687 00:32:33.440 --> 00:32:35.799 And you would typically pay that off on a lease 688 00:32:35.799 --> 00:32:37.000 in how many years? 689 00:32:37.599 --> 00:32:41.000 I mean it really just depends. Most folks finance with 690 00:32:41.359 --> 00:32:42.720 renew for twenty. 691 00:32:42.519 --> 00:32:45.720 Years, for twenty years, but if you get rid of 692 00:32:45.720 --> 00:32:48.759 that seven thousand, that could be thirty years or twenty 693 00:32:48.799 --> 00:32:50.599 five years or a much higher payment. 694 00:32:51.160 --> 00:32:53.559 Well, it definitely a much higher payment. The twenty year 695 00:32:53.680 --> 00:32:56.640 term would still last. The difference is is that let's 696 00:32:56.640 --> 00:32:59.680 say you have Excel and your average bill with Excel 697 00:32:59.680 --> 00:33:00.799 as a hot undred bucks a month. 698 00:33:00.920 --> 00:33:02.759 Yeah, by doing that thirty. 699 00:33:02.440 --> 00:33:04.680 Percent we can usually get you down to like seventy 700 00:33:04.759 --> 00:33:07.680 dollars a month instead, So you're saving money right away. 701 00:33:08.640 --> 00:33:11.559 Regardless if you finance that with the credit, when. 702 00:33:11.359 --> 00:33:14.160 The credit goes away, then that's going to increase significantly. 703 00:33:14.480 --> 00:33:16.519 It is. It's going to affect a lot of solar 704 00:33:16.559 --> 00:33:18.680 companies that do nothing but residential. 705 00:33:18.759 --> 00:33:19.839 Oh, it'll decimate them. 706 00:33:19.839 --> 00:33:22.519 They'll go away, they'll go away. And that is kind 707 00:33:22.519 --> 00:33:24.599 of good for you because you guys got an entire 708 00:33:24.720 --> 00:33:28.279 repair division. Yeah. Yeah, and you can work on any 709 00:33:28.359 --> 00:33:29.559 type of solar system. 710 00:33:29.839 --> 00:33:30.759 Yeah, we definitely can. 711 00:33:31.160 --> 00:33:32.920 What are the worst ones out there? If you had 712 00:33:32.920 --> 00:33:35.799 to say, okay, this brand and I don't want you 713 00:33:35.839 --> 00:33:37.680 to get in trouble or have issues. I know you 714 00:33:37.720 --> 00:33:40.680 have rapports with these companies, but is there any brands 715 00:33:40.680 --> 00:33:43.799 that are harder to deal with? Any manufacturers? I mean, 716 00:33:43.839 --> 00:33:46.799 I know we're dealing with a what is that called 717 00:33:46.799 --> 00:33:50.599 a Fortress? Yeah? With Fortress? Are they generally good or 718 00:33:50.640 --> 00:33:51.960 are they a pain in the ass or what? 719 00:33:52.480 --> 00:33:55.039 We just started working with them as a recommendation to 720 00:33:55.160 --> 00:33:59.240 replace Tesla and it's still having its own hiccups. 721 00:33:59.319 --> 00:34:01.279 All right, here's the you know three oh three seven 722 00:34:01.319 --> 00:34:03.559 one three eight two five five, you've been ripped off 723 00:34:03.559 --> 00:34:06.559 taking advantage of any solar questions we want to hear 724 00:34:06.599 --> 00:34:09.639 from you. Three oh three, Martino. We'll be back right 725 00:34:09.679 --> 00:34:10.920 after this quick message. 726 00:34:12.599 --> 00:34:15.880 Go with a sure thing Denver's best roofer Excel Roofing 727 00:34:15.960 --> 00:34:16.559 dot com. 728 00:34:16.599 --> 00:34:18.599 You don't pay a cent until you're content. 729 00:34:20.239 --> 00:34:24.440 Leave time for an insurance check up free, no obligation 730 00:34:24.559 --> 00:34:28.440 comparison call Compass Insurance. Pay too much your coverage at 731 00:34:28.480 --> 00:34:31.239 dozens of insurance companies find out now three oh three 732 00:34:31.360 --> 00:34:33.960 seven seven to one help. You'll think you're his only 733 00:34:34.039 --> 00:34:36.519 customer when you choose Frank durand the real estate Man 734 00:34:36.559 --> 00:34:40.039 dot com to list your home with Remax Alliance three 735 00:34:40.039 --> 00:34:45.320 oh three nine two zero sixteen twenty two. 736 00:34:47.639 --> 00:34:55.400 Ripped News. You need advice so you don't have come 737 00:34:55.559 --> 00:35:01.599 run anxiousness as a cam shoot us gonna come, man. 738 00:35:02.320 --> 00:35:08.199 This is the Troubleshooter Show. No Tom Martinez, Welcome my friends. 739 00:35:07.920 --> 00:35:09.920 To the only show if it's gotten. You're here to 740 00:35:09.960 --> 00:35:14.000 solve problems, answer questions, take complaints. Our goal in life 741 00:35:14.119 --> 00:35:16.559 is to make your life just a little bit better. 742 00:35:17.159 --> 00:35:20.480 Three zero three seven one three a two five five. 743 00:35:20.679 --> 00:35:22.559 That is a phone number you've been ripped off and 744 00:35:22.639 --> 00:35:26.239 taking advantage of. We've got three lines open right now. 745 00:35:26.440 --> 00:35:29.639 Three oh three seven one three a two five five. 746 00:35:30.039 --> 00:35:33.280 We love sinking our teeth into problems. We love helping 747 00:35:33.400 --> 00:35:37.119 people left and right. By the way, this hour is 748 00:35:37.239 --> 00:35:39.559 brought to you by Frank durand the real estate man. 749 00:35:39.920 --> 00:35:43.239 You know, Frank sells more homes in one month than 750 00:35:43.320 --> 00:35:46.719 most realatures in the entire state of Colorado selling a year. 751 00:35:47.119 --> 00:35:49.599 In fact, i'd go further than that. He probably sells 752 00:35:49.679 --> 00:35:52.000 more in a month than most do in fourteen or 753 00:35:52.119 --> 00:35:56.239 fifteen months. It's remarkable how many closings he has, and 754 00:35:56.920 --> 00:36:00.159 he sells them for more money. So he gets you 755 00:36:00.280 --> 00:36:02.360 more money, and he sells them quicker. You're not going 756 00:36:02.440 --> 00:36:04.960 to go wrong. And he's the nicest guy you'll ever meet, 757 00:36:05.440 --> 00:36:10.480 a negotiator beyond negotiating. The guy helped us so much 758 00:36:10.960 --> 00:36:13.719 when he sold our house in Castle Rocke. It was phenomenal. 759 00:36:13.960 --> 00:36:16.280 And then he negotiated the price down of our new 760 00:36:16.360 --> 00:36:18.880 house out in frank Town. I couldn't ask for a 761 00:36:18.920 --> 00:36:22.800 better realtor or a better friend. Frank Duran homes dot com. 762 00:36:22.960 --> 00:36:27.840 That's Frank Duran homes dot com. Now, Brad O'Brien is 763 00:36:27.920 --> 00:36:31.239 an attorney and he is our expert when it comes 764 00:36:31.280 --> 00:36:35.360 to anything property. It doesn't matter if it's residential or commercial, 765 00:36:35.639 --> 00:36:38.480 doesn't matter if it's a purchase or a lease or 766 00:36:38.599 --> 00:36:41.079 anything to do with property. That's all he does. He 767 00:36:41.199 --> 00:36:44.079 lives and breathes it. So I'm going to bring Brad up. Hey, Brad, 768 00:36:44.079 --> 00:36:46.400 I appreciate you coming on. How's your day going, man? 769 00:36:48.239 --> 00:36:50.880 I'm doing pretty good. This one is a little interesting. 770 00:36:50.960 --> 00:36:53.079 I've been kind of buzzing or looking through the lease 771 00:36:53.159 --> 00:36:57.079 as well over the break. But Tiffany called up. She's 772 00:36:57.159 --> 00:36:59.440 been renting a house. How many years have you been 773 00:36:59.480 --> 00:37:00.519 in that house? Tiffany? 774 00:37:01.920 --> 00:37:02.440 Three years? 775 00:37:02.679 --> 00:37:05.000 So she's been in there and it looks like it 776 00:37:05.280 --> 00:37:09.320 renewed in twenty twenty four. What was it around August? 777 00:37:09.400 --> 00:37:13.239 Whatever it was she resigned for another year? Is a right, Tiffany? 778 00:37:14.000 --> 00:37:16.960 Well, I didn't resign nothing. I didn't get a lease 779 00:37:17.039 --> 00:37:18.320 from the new people. 780 00:37:18.719 --> 00:37:19.639 I haven't gotten nothing. 781 00:37:19.760 --> 00:37:21.920 Well, hold on, how about the lease that you just 782 00:37:22.039 --> 00:37:24.159 sent me from the people before. 783 00:37:24.639 --> 00:37:26.079 That's from Progressive Property? 784 00:37:26.159 --> 00:37:26.360 Yeah? 785 00:37:26.400 --> 00:37:28.320 What year was that though? Wasn't that last year? 786 00:37:28.920 --> 00:37:29.119 Yes? 787 00:37:29.199 --> 00:37:30.079 That was for yes? 788 00:37:30.159 --> 00:37:30.760 Uh huh yeah? 789 00:37:30.760 --> 00:37:32.079 And what were the dates on there? 790 00:37:33.960 --> 00:37:41.800 The least it looks like, yeah, yeah, they said July 791 00:37:42.039 --> 00:37:44.559 seventeenth is my last day? Is when the lease ends? 792 00:37:44.599 --> 00:37:47.960 Lat Yeah, so you're you're still under that lease, you understand? 793 00:37:48.000 --> 00:37:50.360 And Brad please jump in if I'm wrong, but I 794 00:37:50.440 --> 00:37:53.920 don't care if it change management companies or ownership. When 795 00:37:53.960 --> 00:37:56.159 you're renting your house out and there's a lease in place, 796 00:37:56.199 --> 00:37:59.639 whoever purchase it or takes over still has to abide 797 00:37:59.639 --> 00:38:02.599 by the lease. Right, that's true. 798 00:38:02.800 --> 00:38:05.320 A buyer of least property takes its subject to that lease. 799 00:38:05.480 --> 00:38:07.960 Yeah, and here's the deal, Tiffany. In order for them 800 00:38:08.039 --> 00:38:10.800 to get rid of you, it'd be pretty hard unless 801 00:38:10.920 --> 00:38:13.679 if a couple things happen. So you're still under a 802 00:38:13.760 --> 00:38:15.880 one year lease that we looked at, at least that's 803 00:38:15.920 --> 00:38:18.440 what I believe it was correct. Yeah, so you're still 804 00:38:18.519 --> 00:38:20.760 under that lease and then you should be able to 805 00:38:20.880 --> 00:38:25.800 renew come July seventeenth or whatever days on that lease. 806 00:38:26.199 --> 00:38:29.119 But what's happening, Brad is they're trying to charge her 807 00:38:29.199 --> 00:38:32.119 one hundred and ten dollars is it every month? 808 00:38:33.239 --> 00:38:39.760 Every month? And also income income something renns income or 809 00:38:39.840 --> 00:38:41.199 something they're charging me as well. 810 00:38:41.639 --> 00:38:43.519 I don't know what the renners income is. 811 00:38:43.559 --> 00:38:46.159 But I think it's in the it's in with that 812 00:38:46.320 --> 00:38:48.559 ledger that I sent you. You'll see all the Well, how. 813 00:38:48.519 --> 00:38:50.280 Do they define it for people listening? 814 00:38:50.360 --> 00:38:50.480 Now? 815 00:38:50.519 --> 00:38:55.000 What does it mean? I have no qual How much 816 00:38:55.039 --> 00:38:56.199 are they charging you for that? 817 00:38:57.280 --> 00:39:00.760 That is, they're a different amount this one you share. 818 00:39:00.599 --> 00:39:02.639 Rent, so it changes every month. 819 00:39:03.239 --> 00:39:06.559 Yeah, well there's seventeen dollars, one time, there's ninety dollars. 820 00:39:06.599 --> 00:39:09.440 Now, are you sure that has nothing to do with 821 00:39:09.800 --> 00:39:11.159 HCV or Section eight? 822 00:39:11.719 --> 00:39:11.760 No? 823 00:39:13.199 --> 00:39:15.559 So, Brad, I don't know how much you've looked at 824 00:39:15.639 --> 00:39:19.280 the paperwork we've sent over. But here's what Tiffany's telling me. 825 00:39:19.840 --> 00:39:24.719 She pays everything. She pays the utilities, she pays the trash, 826 00:39:25.199 --> 00:39:29.440 she pays the TV, she pays everything, gas, electric, water, 827 00:39:29.840 --> 00:39:34.800 she pays those utilities directly. They're apparently charging her one 828 00:39:34.920 --> 00:39:38.639 hundred and ten dollars for reimbursement on the utilities. And Tiffany, 829 00:39:38.679 --> 00:39:41.159 have you ever been late on those utilities where it 830 00:39:41.199 --> 00:39:42.679 has generated a late fee? 831 00:39:43.559 --> 00:39:46.480 No, I've never never, and I've never been shown before. 832 00:39:46.679 --> 00:39:51.119 And hold on and before it changed management companies now 833 00:39:51.280 --> 00:39:55.119 to Boardwalk, did they ever charge you that stuff before? 834 00:39:56.239 --> 00:39:56.280 No? 835 00:39:56.800 --> 00:40:00.239 No, And I got an email from the lady dealt 836 00:40:00.239 --> 00:40:03.280 with the Progressive Property telling me that she doesn't understand 837 00:40:03.280 --> 00:40:04.719 why they're charging me those fees. 838 00:40:05.000 --> 00:40:07.239 Okay, Brad, I'm going to let you jump in at 839 00:40:07.280 --> 00:40:10.320 this point, because I am baffled. I think it's a 840 00:40:10.400 --> 00:40:12.920 squeeze play. I don't know if they want to convert 841 00:40:12.960 --> 00:40:15.880 it from an HCV or a section a property, or 842 00:40:16.039 --> 00:40:18.760 just want more income. I have no idea, but to me, 843 00:40:18.880 --> 00:40:21.599 it looks like she's under lease and they're charging her 844 00:40:21.679 --> 00:40:24.880 for stuff the new management company that the old one didn't. 845 00:40:24.920 --> 00:40:26.519 I just flat don't understand. 846 00:40:27.480 --> 00:40:30.440 Well, well, I haven't reviewed the full stack of documents 847 00:40:30.440 --> 00:40:32.599 she just sent over it, but I find a utility 848 00:40:32.599 --> 00:40:36.639 as adendum that says that she is supposed to set 849 00:40:36.719 --> 00:40:39.320 up utility directly with the utilities and then directly to 850 00:40:39.360 --> 00:40:41.400 the utilities. So I don't think the mandor are supposed 851 00:40:41.400 --> 00:40:43.360 to be billing her for those utilities. 852 00:40:43.559 --> 00:40:46.880 I read that too, and her lease is also good through. 853 00:40:46.800 --> 00:40:49.320 The middle of July this year, and on the ledger 854 00:40:49.519 --> 00:40:52.559 it does show they want a reimbursement fee so for 855 00:40:52.800 --> 00:40:54.239 it says for utilities. 856 00:40:54.480 --> 00:40:57.239 And what's baffling is the old company that managed it, 857 00:40:57.440 --> 00:41:00.440 what from the beginning, Tiffany the last two years or whatever, 858 00:41:01.280 --> 00:41:04.079 correct that they never charged her for that. Brad, I mean, 859 00:41:04.119 --> 00:41:05.760 what do you just make of this? I mean, do 860 00:41:05.800 --> 00:41:08.440 you think it's kind of a shakedown. 861 00:41:09.480 --> 00:41:12.679 It's unclear if they if they're billing for reimbursement of 862 00:41:12.800 --> 00:41:16.239 utilities that the management company says they paid, or if 863 00:41:16.280 --> 00:41:19.039 it's some kind of management fee for having to manage 864 00:41:19.079 --> 00:41:19.760 the utilities. 865 00:41:20.920 --> 00:41:22.280 It is possible for a least to. 866 00:41:22.519 --> 00:41:25.280 Allow them inload to get a management fee on utilities, 867 00:41:26.000 --> 00:41:28.000 but the lease has to provide for that. I have 868 00:41:28.079 --> 00:41:29.559 yet to see that that's even in the lease. 869 00:41:29.960 --> 00:41:32.119 And let's say it did provide for that, is the 870 00:41:32.239 --> 00:41:35.119 fact that they've never done that the old management company 871 00:41:35.199 --> 00:41:37.599 before the new one took over. Would that be a 872 00:41:37.719 --> 00:41:40.480 reason they are not able to start charging for that? 873 00:41:41.320 --> 00:41:41.360 No? 874 00:41:41.559 --> 00:41:45.320 No, well that's the quite that's a waiver argument. But okay, 875 00:41:45.880 --> 00:41:47.320 I think that if it's in the lease that says 876 00:41:47.360 --> 00:41:50.360 the management company can get a management fee for utilities, 877 00:41:51.000 --> 00:41:53.400 then they can start that up even if they haven't 878 00:41:53.440 --> 00:41:55.880 been doing it. But first of all, I'm not sure 879 00:41:55.920 --> 00:41:58.360 the lease even has that, And ninety to one hundred 880 00:41:58.360 --> 00:42:01.360 and ten dollars a month for management utilities seems are 881 00:42:01.400 --> 00:42:03.679 really excessive. I expect like maybe ten bucks. 882 00:42:03.960 --> 00:42:07.119 Yeah, it's crazy. And Tiffany, is all that stuff in 883 00:42:07.239 --> 00:42:09.320 your name? In other words, when you pay your electric 884 00:42:09.480 --> 00:42:10.800 is it in Tiffany's name. 885 00:42:11.360 --> 00:42:13.719 That's right, and I've sent them copies of my bills 886 00:42:14.079 --> 00:42:16.559 showing that they're they're paid, and that they're. 887 00:42:16.440 --> 00:42:17.000 In my name. 888 00:42:17.079 --> 00:42:19.400 I don't even know what they'd be managing, Brad, if 889 00:42:19.519 --> 00:42:22.400 everything's literally in her name and she pays them, I 890 00:42:22.440 --> 00:42:24.639 don't even if that was in the least and like 891 00:42:24.760 --> 00:42:26.519 you said, you don't see it. I don't even know 892 00:42:26.599 --> 00:42:30.519 how you would make that argument, I agreed. So what 893 00:42:30.599 --> 00:42:32.840 do you think she should do at this point? Are 894 00:42:32.920 --> 00:42:34.559 they threatening to kick you out? 895 00:42:34.639 --> 00:42:34.960 What are they? 896 00:42:35.159 --> 00:42:36.719 What are they telling you now, Tiffany? 897 00:42:37.679 --> 00:42:40.159 Well, I sent over that they don't tell me anything. 898 00:42:40.599 --> 00:42:43.880 Well, they won't renew her unless she brings the account 899 00:42:44.000 --> 00:42:46.880 up to speed, and so right now they're charging her 900 00:42:47.000 --> 00:42:49.639 ninety dollars for about four or five months they want 901 00:42:49.639 --> 00:42:52.480 her to pay that was short on the rent, which 902 00:42:52.599 --> 00:42:53.880 is this fee? 903 00:42:54.119 --> 00:42:57.840 But has never been literally short on the rent itself ever, 904 00:42:58.519 --> 00:42:59.400 never never. 905 00:42:59.320 --> 00:43:01.760 But is is I haven't been able to pay the 906 00:43:01.840 --> 00:43:04.679 rent because I sent over copies of that as well. 907 00:43:04.920 --> 00:43:07.159 When you go online to pay the rent, you can't 908 00:43:07.280 --> 00:43:10.119 just pay what you want to pay. It's either the full. 909 00:43:10.000 --> 00:43:12.519 Balance or no wait wait, wait, I have any Tiffany, 910 00:43:12.519 --> 00:43:14.519 you're scaring the hell out of me. Now, when's the 911 00:43:14.639 --> 00:43:18.440 last time you paid the rent? Have you paid June's rent? 912 00:43:19.400 --> 00:43:19.440 No? 913 00:43:19.719 --> 00:43:21.159 No, no, no, I have it. 914 00:43:21.360 --> 00:43:23.599 Because they don't. It doesn't allow me to, and I've 915 00:43:23.679 --> 00:43:25.599 told I've emailed them, I've talked to them. 916 00:43:25.639 --> 00:43:27.559 Okay, hold on, Okay, I get it. I get what 917 00:43:27.679 --> 00:43:29.719 you're saying. But you have all that money to pay 918 00:43:29.760 --> 00:43:30.280 it right now? 919 00:43:31.199 --> 00:43:31.519 Correct? 920 00:43:31.599 --> 00:43:32.000 I should? 921 00:43:32.000 --> 00:43:32.639 Okay, Brad? 922 00:43:32.960 --> 00:43:36.440 Brad, Well, at this point, they cannot evictor for non 923 00:43:36.480 --> 00:43:41.119 payment of utilities or for some utility management feed because 924 00:43:41.119 --> 00:43:43.599 you can only event landlord could only evict for non 925 00:43:43.639 --> 00:43:46.119 payment of rent. The rent is the charge that is 926 00:43:46.199 --> 00:43:49.039 due solely for the occupancy of the premises, So you 927 00:43:49.159 --> 00:43:53.079 cannot include utility. You cannot tackle on utility. Let's sees 928 00:43:53.760 --> 00:43:56.559 for the rent and then the victor overt and paid utilities. 929 00:43:57.719 --> 00:44:01.159 Well, Brad, what happens in her case? Where when is 930 00:44:01.280 --> 00:44:03.119 the last full month you've paid? Tiffany? 931 00:44:04.320 --> 00:44:06.679 The last full month was in January? 932 00:44:06.960 --> 00:44:11.159 Oh crap, this is how Okay, hold on, let me, 933 00:44:11.239 --> 00:44:13.639 I just want Brad to talk here. Brad. She's saying 934 00:44:13.760 --> 00:44:16.440 she logs onto the portal to pay if she doesn't 935 00:44:16.480 --> 00:44:20.039 pay the full amount, which includes things that apparently she 936 00:44:20.199 --> 00:44:22.760 doesn't know or at least in her opinion. So what 937 00:44:23.000 --> 00:44:25.800 happens if they won't accept what the rent is? Let's 938 00:44:25.800 --> 00:44:28.440 say the rents a thousand, but they want one thousand 939 00:44:28.599 --> 00:44:31.639 ninety one and she has no ability to pay online 940 00:44:31.760 --> 00:44:34.880 like she has for two years without paying the full amount. 941 00:44:35.280 --> 00:44:37.719 What kind of argument is that in front of a 942 00:44:37.840 --> 00:44:40.159 judge if these people try to go through an eviction 943 00:44:40.519 --> 00:44:43.559 because she hasn't paid her damn rent since January. 944 00:44:43.280 --> 00:44:44.760 Well, I think that's a I think that's a good 945 00:44:44.840 --> 00:44:47.960 colorable argument in front of a judge that I've seen 946 00:44:47.960 --> 00:44:50.840 these I've seen these website portals from management companies that 947 00:44:50.880 --> 00:44:53.800 will not let you pay anything sort of the full payment, 948 00:44:53.880 --> 00:44:56.760 including all these fees they want to tack on. So 949 00:44:57.239 --> 00:44:59.400 it's an argument from a judge that I at least 950 00:44:59.519 --> 00:45:01.679 tried to pay the base print that was due. Maybe 951 00:45:01.679 --> 00:45:04.920 I couldn't pay the utilities that were due, So you 952 00:45:05.000 --> 00:45:07.519 can't evict for non payment of utilities if that's all 953 00:45:07.559 --> 00:45:08.400 that's outstanding. 954 00:45:08.559 --> 00:45:10.760 And then she could go and here's the money right now, 955 00:45:10.880 --> 00:45:13.199 and basically, you know, hand them a check or hand 956 00:45:13.280 --> 00:45:14.000 them whatever they. 957 00:45:13.960 --> 00:45:17.360 Need absolutely, a tenant has a right to cure a 958 00:45:18.480 --> 00:45:22.800 nona to avoid eviction and cure that that non payment 959 00:45:22.880 --> 00:45:26.400 default up until the moment the judge orders enterests in 960 00:45:26.480 --> 00:45:27.199 order of possession. 961 00:45:27.679 --> 00:45:31.639 So I can't believe these people are doing it. If 962 00:45:31.760 --> 00:45:35.880 everything she's saying is correct, this is absolutely nuts. I 963 00:45:36.079 --> 00:45:39.480 can't believe they won't even let you pay the rent now, Tiffany. 964 00:45:40.000 --> 00:45:42.960 We're talking six soon to be seven months of rent 965 00:45:43.360 --> 00:45:45.159 at what twelve hundred bucks a month? 966 00:45:45.239 --> 00:45:45.800 What is well? 967 00:45:45.840 --> 00:45:49.000 No, nope, nope, because a Section eight pays their part 968 00:45:49.039 --> 00:45:51.599 of it, which is I only pay ninety dollars a month, 969 00:45:51.719 --> 00:45:55.039 is what I was what I'm to pay, So my 970 00:45:55.199 --> 00:45:57.679 portion of it's not paid the ninety dollars every month. 971 00:45:57.800 --> 00:45:59.719 And you definitely have that money. 972 00:46:00.719 --> 00:46:02.920 Oh h, I definitely have that money. I haven't saved. 973 00:46:03.119 --> 00:46:06.679 I cannot believe this, Brad, I can't believe it. I 974 00:46:06.840 --> 00:46:08.639 think they're trying to get her out of there. 975 00:46:09.480 --> 00:46:12.519 I would like to say that my niece has the 976 00:46:12.599 --> 00:46:16.360 same company, and I looked at her ledger and she 977 00:46:16.559 --> 00:46:19.800 is also being charged for utility reimbursement. 978 00:46:19.199 --> 00:46:21.639 Scenes and she has boardwalk management too. 979 00:46:21.920 --> 00:46:22.519 Yes, she does. 980 00:46:22.599 --> 00:46:24.519 You know what I want to look into these guys. 981 00:46:24.639 --> 00:46:26.440 I want to do a little deep dive into what 982 00:46:26.599 --> 00:46:29.599 these jerks are doing. And that's my opinion they're jerks. 983 00:46:29.639 --> 00:46:32.840 But to take Tiffany at her word and looking at 984 00:46:32.880 --> 00:46:36.239 the least that she is still under till January and 985 00:46:36.400 --> 00:46:39.199 having an attorney on like Brad O'Brien. Now, granted he 986 00:46:39.280 --> 00:46:42.840 hasn't read through the entire lease, but he, by breezing 987 00:46:42.960 --> 00:46:46.280 through it doesn't see anywhere where she should be paying 988 00:46:46.400 --> 00:46:49.559 anything to do with utilities. In fact, the opposite. It 989 00:46:49.719 --> 00:46:53.840 literally says she's responsible for all the utilities and they're 990 00:46:53.880 --> 00:46:56.280 trying to charge it. And then what's that other thing? 991 00:46:56.400 --> 00:46:56.639 Brad? 992 00:46:56.719 --> 00:46:59.320 Did you happen to see that other thing they're attempting 993 00:46:59.360 --> 00:46:59.920 to charge tim? 994 00:47:01.159 --> 00:47:01.880 Oh, the management? 995 00:47:02.559 --> 00:47:03.880 No rent income? 996 00:47:04.320 --> 00:47:07.159 What the hell is rent income? Let's rent? 997 00:47:08.039 --> 00:47:08.079 So? 998 00:47:08.559 --> 00:47:09.960 Oh that's your ninety bucks. 999 00:47:10.760 --> 00:47:14.280 No, No, these are different amounts, well like how much? 1000 00:47:15.280 --> 00:47:17.840 Oh well, there's one that's for eighty one to twenty seven, 1001 00:47:18.119 --> 00:47:21.519 there's one for seventeen dollars seconds. 1002 00:47:21.559 --> 00:47:23.880 So hey, Brad, I've got to ask you in general, now, 1003 00:47:24.159 --> 00:47:26.840 can the landlord just start making fees up? Can they 1004 00:47:26.920 --> 00:47:29.079 say I can't raise your rent more than once a year. 1005 00:47:29.199 --> 00:47:32.000 Because we live in Colorado, I can't get rid of 1006 00:47:32.119 --> 00:47:35.320 you anymore when the lease is up. So therefore, I'm 1007 00:47:35.360 --> 00:47:37.480 just going to start charging you fees left and right 1008 00:47:37.719 --> 00:47:39.639 and not even tell you what they're for. Just give 1009 00:47:39.679 --> 00:47:41.280 a line item HIN. 1010 00:47:41.280 --> 00:47:42.960 And AF fees have to be in the written lease. 1011 00:47:43.119 --> 00:47:46.199 And also lake fees cannot be assessed on anything other 1012 00:47:46.280 --> 00:47:48.719 than base rent, so you can't do a late fee 1013 00:47:48.719 --> 00:47:52.559 on on pant utility. And also late fees are limited 1014 00:47:52.639 --> 00:47:54.880 to the greater of fifty x or five percent of 1015 00:47:54.880 --> 00:47:55.800 the amount this pass two. 1016 00:47:56.079 --> 00:47:58.519 So this is insane. Hold on a second, I'm going 1017 00:47:58.559 --> 00:48:01.360 to put her on hold. Everybody out here, you're listening 1018 00:48:01.440 --> 00:48:03.960 to Brad O'Brien. Now I'm gonna switch the conversation up 1019 00:48:04.000 --> 00:48:07.119 real quick. Then we'll go back to Tiffany after the break. 1020 00:48:07.159 --> 00:48:09.519 And I got some great ideas for her, and we're 1021 00:48:09.559 --> 00:48:11.920 gonna we're gonna try to reach out. We're gonna put 1022 00:48:11.960 --> 00:48:15.480 a Dimitri on this to reach out to Boardwalk management 1023 00:48:15.559 --> 00:48:18.280 and see what the hell they're trying to pull. In fact, Kelly, 1024 00:48:18.599 --> 00:48:21.159 I want you to pick up on Tiffany or Suzanne. 1025 00:48:21.480 --> 00:48:24.840 Let's see who her person is at Boardwalk, and let's 1026 00:48:24.840 --> 00:48:26.599 see if they want to come on the air and 1027 00:48:26.760 --> 00:48:30.039 talk about this, because there is nothing, there is nothing 1028 00:48:30.119 --> 00:48:32.519 that I have seen. I think they're shaking her down, 1029 00:48:32.599 --> 00:48:35.400 that's my opinion. I think they're trying to bully her 1030 00:48:35.480 --> 00:48:38.039 out of there so it's not Section eight or to 1031 00:48:38.119 --> 00:48:40.880 get somebody else in at a higher amount, or whatever 1032 00:48:41.000 --> 00:48:44.400 it happens to be. That's purely my opinion. But looking 1033 00:48:44.440 --> 00:48:47.000 at her oldly, she never had any of these fees, 1034 00:48:47.280 --> 00:48:49.599 and all of a sudden, these guys take over. They 1035 00:48:49.679 --> 00:48:53.039 won't even take her actual base rent, but yet they're 1036 00:48:53.079 --> 00:48:56.760 collecting from Section eight or eight CV every damn month. 1037 00:48:57.360 --> 00:49:00.239 These guys sound like scumbags to me. I want to 1038 00:49:00.320 --> 00:49:03.440 know what the hell they're up to at Boardwalk now, 1039 00:49:03.639 --> 00:49:08.320 saying all that landlords out there, management companies out there, 1040 00:49:08.840 --> 00:49:13.039 get your leases in order. That is what Brad O'Brien does. 1041 00:49:13.440 --> 00:49:15.599 If you look at this lease, Brad, I know you 1042 00:49:15.760 --> 00:49:19.000 haven't looked through the entire agreement, but this stuff has 1043 00:49:19.079 --> 00:49:21.440 stuff in it like pet fees and other stuff I 1044 00:49:21.599 --> 00:49:25.159 saw that you simply cannot handle that way anymore. In 1045 00:49:25.280 --> 00:49:29.119 other words, this lease is not up to Colorado laws 1046 00:49:29.239 --> 00:49:32.280 when it comes to tenant landlord and I'm telling you, 1047 00:49:32.679 --> 00:49:35.119 if you're a landlord out there and you have a 1048 00:49:35.239 --> 00:49:38.639 lease like this and you try to evict somebody, Brad, 1049 00:49:39.079 --> 00:49:42.000 it can create all kinds of issues during the hearing. 1050 00:49:42.159 --> 00:49:46.519 Right yeah, the requirements for landlords to have their leases 1051 00:49:46.719 --> 00:49:48.320 comply with the law are pretty high right now. 1052 00:49:49.000 --> 00:49:54.079 It's crazy. People get your lease reviewed. Call up Brad 1053 00:49:54.199 --> 00:50:00.239 and if you have any kind of issues landlords, tenant, commercial, resident, well, 1054 00:50:00.280 --> 00:50:03.360 maybe you're just buying a property, maybe you're going out 1055 00:50:03.400 --> 00:50:07.039 to lease your first storefront, you're opening up a restaurant, 1056 00:50:07.239 --> 00:50:10.559 and you've never dealt with cam charges or a commercial lease. 1057 00:50:10.840 --> 00:50:13.480 For goodness sake, please call an attorney. And this is 1058 00:50:13.559 --> 00:50:18.119 the guy we trust, Brad O'Brien and landlords, I beg 1059 00:50:18.239 --> 00:50:21.039 of you. We get so many calls from landlords now, 1060 00:50:21.440 --> 00:50:24.559 so many, it's incredible. They they're not getting paid for 1061 00:50:24.719 --> 00:50:27.760 whatever's in the agreement. They end up in court and 1062 00:50:27.920 --> 00:50:30.480 their lease is so damn old, it doesn't follow the 1063 00:50:30.559 --> 00:50:34.519 new regulations and it never goes their way. For goodness sake, 1064 00:50:34.639 --> 00:50:39.159 called Brad O'Brien. Seven two zero three seven zero seven 1065 00:50:39.440 --> 00:50:43.639 three eight eight Property disputes. Two people buying a house together, 1066 00:50:43.760 --> 00:50:48.679 that's not a married couple, anything, fence issues, eminent domain, 1067 00:50:49.000 --> 00:50:53.639 anything residential and commercial. Brad O'Brien, I appreciate you coming 1068 00:50:53.719 --> 00:50:57.360 on brad Olslaw dot com. 1069 00:51:02.519 --> 00:51:05.760 Go with a sure thing Denver's best roofer Excel Roofing 1070 00:51:05.880 --> 00:51:08.519 dot com. You don't pay a cent until you're content. 1071 00:51:11.920 --> 00:51:15.039 Time for an insurance check up free, no obligation comparison 1072 00:51:15.239 --> 00:51:18.760 call Compass Insurance paying too much your coverage at dozens 1073 00:51:18.800 --> 00:51:21.519 of insurance companies find out now three oh three seven 1074 00:51:21.639 --> 00:51:22.079 seven to one. 1075 00:51:22.199 --> 00:51:22.440 Help. 1076 00:51:22.639 --> 00:51:25.280 You'll think you're his only customer when you choose Frank 1077 00:51:25.360 --> 00:51:27.760 durand the real estate Man dot com to list your 1078 00:51:27.840 --> 00:51:30.960 home with Remax Alliance three oh three nine two zero 1079 00:51:31.079 --> 00:51:32.039 sixteen twenty two. 1080 00:51:35.639 --> 00:51:38.360 All right, three oh three seven one three eight two 1081 00:51:38.480 --> 00:51:40.880 five five. Look, we got lines open. Tiffany is in 1082 00:51:41.320 --> 00:51:44.800 actually pretty good shape. We're gonna put her actually with 1083 00:51:44.920 --> 00:51:47.679 Deputy bo Suzanne because he's got rentals everywhere. 1084 00:51:47.800 --> 00:51:49.440 Yeah, he's well versed in the subject. 1085 00:51:49.519 --> 00:51:52.159 I think. Yeah, And let's try to get through Kelly. 1086 00:51:52.280 --> 00:51:54.239 Did you get a phone number and try to reach 1087 00:51:54.280 --> 00:51:57.639 out to Boardwalker whoever Tiffany knew there? Because I would 1088 00:51:57.679 --> 00:52:00.480 love to get them on and understand and why all 1089 00:52:00.519 --> 00:52:02.719 of a sudden they're charging her stuff they shouldn't be 1090 00:52:03.039 --> 00:52:05.960 and I hate the fact they don't allow people to 1091 00:52:06.119 --> 00:52:08.840 pay the base rent. And as we heard from our attorney, 1092 00:52:08.880 --> 00:52:11.920 Brad O'Brien, that's pretty much a no no. She's going 1093 00:52:12.000 --> 00:52:13.599 to be able to win this in court. If they 1094 00:52:13.639 --> 00:52:16.360 don't want to renew it, they're gonna end up getting 1095 00:52:16.360 --> 00:52:18.000 in trouble and they're going to have to renew it 1096 00:52:18.159 --> 00:52:20.480 long as all the information she gave us. 1097 00:52:20.719 --> 00:52:23.239 So I do have the newest one that she's been 1098 00:52:23.280 --> 00:52:26.280 assigned to. The previous two have been fired. 1099 00:52:27.000 --> 00:52:33.480 Really really over at Boardwalk Management. Correct they actually said 1100 00:52:33.519 --> 00:52:36.400 they've been fired or Tiffany said that. Tiffany said that, Okay, 1101 00:52:36.519 --> 00:52:38.559 did you try to reach out to the newest one. 1102 00:52:38.599 --> 00:52:39.639 I'm going to do that right now. 1103 00:52:39.800 --> 00:52:41.719 Yeah, see if they could come on, or if they 1104 00:52:41.800 --> 00:52:45.119 won't come on, at least find out just ask them 1105 00:52:45.480 --> 00:52:48.800 how come you're charging Tiffany, let's use an exact example 1106 00:52:49.519 --> 00:52:52.280 for anything to do with utilities when none of that. 1107 00:52:53.000 --> 00:52:55.719 In fact, the opposite is in the least she takes 1108 00:52:55.760 --> 00:52:58.719 care of them, and she's not able to pay her 1109 00:52:58.800 --> 00:53:03.320 base rent because your portal won't allow her it's a shakedown, 1110 00:53:03.599 --> 00:53:07.199 I tell you, in my opinion, and it's more than 1111 00:53:07.280 --> 00:53:10.320 interesting to me. It's a shakedown. I'd like to find 1112 00:53:10.440 --> 00:53:13.400 more out about Boardwalk. I wonder if there's slum lords. 1113 00:53:13.559 --> 00:53:17.559 No, all I have is a direct number, So yeah, 1114 00:53:17.599 --> 00:53:20.159 see what you can figure. It's going to get voicemail, 1115 00:53:20.559 --> 00:53:22.159 but just be forewarned. 1116 00:53:22.719 --> 00:53:24.559 Yeah, well see what you can get if you leave 1117 00:53:24.559 --> 00:53:27.159 a voicemail, you know, leave a nice one, and I'll 1118 00:53:27.199 --> 00:53:29.840 tell you. If that doesn't work and we don't hear 1119 00:53:30.000 --> 00:53:32.760 back from them, you know, I've got other ways to 1120 00:53:32.840 --> 00:53:35.159 try to wake up the new person over there, and 1121 00:53:35.320 --> 00:53:37.360 people that listen to the show know what that is. 1122 00:53:38.079 --> 00:53:41.119 We can give a online review of them, a review 1123 00:53:41.159 --> 00:53:44.039 where you call up and leave a message with Boardwalk 1124 00:53:44.280 --> 00:53:47.039 and try to understand why they're shaking down this lady. 1125 00:53:47.119 --> 00:53:50.679 In my opinion, it's absolutely nuts, Brooke, what do you 1126 00:53:50.800 --> 00:53:52.840 think you listen to that whole call unfold? 1127 00:53:53.800 --> 00:53:54.679 Yeah, that's insane. 1128 00:53:54.840 --> 00:53:56.599 I'm really glad that she called it, and you guys 1129 00:53:56.639 --> 00:53:58.199 are going to be able to help her, because that 1130 00:53:58.360 --> 00:54:01.280 just seems like exactly what you're talking about. She pays 1131 00:54:01.320 --> 00:54:03.519 a cheaper rate and they're trying to get her out 1132 00:54:03.559 --> 00:54:05.119 so they can make more money off of somebody else. 1133 00:54:05.159 --> 00:54:06.639 And that's just not how it's done. 1134 00:54:06.880 --> 00:54:09.760 You can't do it. And in this world right now 1135 00:54:09.960 --> 00:54:14.360 in Colorado, listen like it, like it, or hate it, 1136 00:54:14.880 --> 00:54:17.800 landlords do not have a lot of power anymore. It's 1137 00:54:17.880 --> 00:54:20.719 like the pendulum swung. In fact, that happens a lot 1138 00:54:20.800 --> 00:54:23.719 in Colorado. In fact, it's kind of happening behind the 1139 00:54:23.800 --> 00:54:27.199 scenes right now, even in Denver a little bit. But 1140 00:54:27.400 --> 00:54:29.920 that pendulum, it goes so far left or so far 1141 00:54:30.079 --> 00:54:33.079 right it comes back. But right now, I mean, everything 1142 00:54:33.199 --> 00:54:36.239 is in the tenants favor. You realize, if I have 1143 00:54:36.360 --> 00:54:38.320 a lease with you, Brooke, and you rent a house 1144 00:54:38.360 --> 00:54:40.880 from me, and it's a one year lease, at the 1145 00:54:41.159 --> 00:54:43.920 end of that one year, I have to renew you. 1146 00:54:44.599 --> 00:54:47.480 It doesn't matter long as you've been paying. Long as 1147 00:54:47.559 --> 00:54:51.400 you've been paying, I have to renew you unless I 1148 00:54:51.679 --> 00:54:56.159 move into that house or I'm going to sell that house. 1149 00:54:56.559 --> 00:54:58.840 If I'm going to keep it, I can't simply rent 1150 00:54:58.920 --> 00:55:02.079 to somebody else. And there's some other exemptions out there, 1151 00:55:02.440 --> 00:55:06.360 but in general, generally speaking, I have to keep you 1152 00:55:06.440 --> 00:55:08.679 as a tenant as long as you want to be there. 1153 00:55:09.280 --> 00:55:12.000 After you've lived there, one year. That's how Denver works. 1154 00:55:12.079 --> 00:55:14.199 Now, Oh, Colorado, I didn't know that. 1155 00:55:14.360 --> 00:55:15.000 That's insane. 1156 00:55:15.079 --> 00:55:18.280 Are you able to adjust rent with that once a year? 1157 00:55:18.360 --> 00:55:21.719 I can adjust rent. Now, I can't scare the hell 1158 00:55:21.760 --> 00:55:24.559 out of you, And I don't know what's acceptable because 1159 00:55:24.639 --> 00:55:27.159 that's going to ultimately be up to a judge. I 1160 00:55:27.280 --> 00:55:29.960 can't say, oh, I really want to get rid of Brook, 1161 00:55:30.400 --> 00:55:33.039 So hey, Brook, I'm raising the rent this one year, 1162 00:55:33.280 --> 00:55:35.280 this one time this year, and it's going to be 1163 00:55:35.360 --> 00:55:37.800 ten million dollars And then of course that would get 1164 00:55:37.840 --> 00:55:39.599 you out because no one's going to pay ten million, 1165 00:55:39.840 --> 00:55:42.400 So you can't go to that extreme. But it doesn't 1166 00:55:42.480 --> 00:55:45.559 say like ten percent, twenty percent. It doesn't say what 1167 00:55:45.719 --> 00:55:49.159 you can do. And I think they actually do follow 1168 00:55:49.280 --> 00:55:52.599 up if the person that moves out because of the 1169 00:55:52.679 --> 00:55:56.239 rent increase, they could probably follow up with the court 1170 00:55:56.360 --> 00:55:59.320 system if they find out you didn't raise it what 1171 00:56:00.119 --> 00:56:02.079 you were told it was going to be raised, and 1172 00:56:02.159 --> 00:56:05.719 then the landlord's in trouble. It's really hard. Now We've 1173 00:56:05.800 --> 00:56:08.760 got people that own lots of rentals in the state, 1174 00:56:09.199 --> 00:56:11.480 and I'll tell you straight up, they're getting the hell 1175 00:56:11.559 --> 00:56:14.079 out of Colorado because it's just too hard to be 1176 00:56:14.159 --> 00:56:14.679 a landlord. 1177 00:56:14.920 --> 00:56:17.719 Why did they make that legislation go through. What was 1178 00:56:17.800 --> 00:56:18.760 the idea behind it? 1179 00:56:18.960 --> 00:56:20.960 Well, because there was a lot of slum lords. That's 1180 00:56:21.039 --> 00:56:23.719 that pendulum I'm talking about. It was to the point 1181 00:56:23.760 --> 00:56:26.440 where you could bully around your tenants. If you had 1182 00:56:26.559 --> 00:56:29.159 to Section eight, you could pretty much say, oh, you 1183 00:56:29.239 --> 00:56:32.559 want to complain that the washing machine doesn't work, and 1184 00:56:32.679 --> 00:56:35.400 that's part of the least. Well, since you opened your mouth, 1185 00:56:35.440 --> 00:56:37.280 I'm going to get you out of here and put 1186 00:56:37.360 --> 00:56:40.079 somebody else in come renewal. So I mean, it was 1187 00:56:40.239 --> 00:56:43.360 like really in that favor. But here's the deal. There's 1188 00:56:43.440 --> 00:56:45.639 good landlords that you don't even have to deal with 1189 00:56:45.800 --> 00:56:48.119 this stuff, and there's good tenants you don't have to. 1190 00:56:48.559 --> 00:56:51.599 But you know, the State of Colorado and our legislature 1191 00:56:51.679 --> 00:56:54.559 decided to step in and write all these new rules 1192 00:56:54.800 --> 00:56:58.559 that are ultimately making it more expensive to rent here 1193 00:56:58.679 --> 00:57:00.960 because there's going to be less land lords and people 1194 00:57:01.000 --> 00:57:02.960 are gonna want more money to deal with all this 1195 00:57:03.119 --> 00:57:06.480 other crap. So everybody hanged tight. We've got one coming 1196 00:57:06.559 --> 00:57:09.920 up with Dan McKenzie. He's another attorney at referral list 1197 00:57:10.000 --> 00:57:13.159 dot Com and he has everything to do with the 1198 00:57:13.239 --> 00:57:16.840 state planning and probate and pretty much you name it. 1199 00:57:17.320 --> 00:57:20.239 We've got that and a lot more. Three lines open 1200 00:57:20.719 --> 00:57:23.000 three oh three Martino, love to hear from you three 1201 00:57:23.159 --> 00:57:25.639 zero three seven to one three talk. 1202 00:57:30.079 --> 00:57:33.320 Go with a sure thing Denver's Best roofer Excel Roofing 1203 00:57:33.440 --> 00:57:33.880 dot com. 1204 00:57:34.079 --> 00:57:36.079 You don't pay a cent until you're content. 1205 00:57:39.440 --> 00:57:42.599 Time for an insurance check up free, no obligation comparison 1206 00:57:42.800 --> 00:57:46.320 call Compass Insurance paying too much your coverage at dozens 1207 00:57:46.360 --> 00:57:49.079 of insurance companies find out now three oh three, seven 1208 00:57:49.079 --> 00:57:51.400 to seven to one help. You'll think you're his only 1209 00:57:51.519 --> 00:57:53.960 customer when you choose Frank durand the real estate Man 1210 00:57:54.039 --> 00:57:57.440 dot com to list your home with Remax Alliance three 1211 00:57:57.519 --> 00:57:59.679 oh three nine two zero sixteen twenty two. 1212 00:58:05.440 --> 00:58:08.519 All right three to ozho three seven one three eight 1213 00:58:08.599 --> 00:58:12.000 two five five three oh three Martino, Uh, we've got 1214 00:58:12.039 --> 00:58:14.159 a lot cooking. I do have some lines open, though. 1215 00:58:14.239 --> 00:58:17.519 We're going to go to Dan McKenzie. But and I'll 1216 00:58:17.800 --> 00:58:19.760 catch everybody up on this, but I did want to 1217 00:58:19.800 --> 00:58:22.840 tell you about fix it twenty four to seven. These 1218 00:58:22.920 --> 00:58:25.559 guys had second opinion is worth gold? I got an 1219 00:58:25.599 --> 00:58:28.400 email the other day the guy had I'm not going 1220 00:58:28.480 --> 00:58:30.440 to say what company it was, but I will say this, 1221 00:58:30.599 --> 00:58:33.840 it was another referral list member and it's a great company, 1222 00:58:33.960 --> 00:58:37.440 but they were selling him an air conditioner in a 1223 00:58:37.519 --> 00:58:39.480 furn It's kind of a wrapped up system. And the 1224 00:58:39.559 --> 00:58:43.159 total was about thirteen thousand dollars and fix It went 1225 00:58:43.199 --> 00:58:46.920 out there for a free second opinion, same system. I 1226 00:58:47.000 --> 00:58:49.519 think it was Carrier. I forget what Brandon was, but 1227 00:58:49.679 --> 00:58:53.840 same exact system. Apples for apples, they came in twenty 1228 00:58:53.920 --> 00:58:56.159 five hundred dollars less and they could get the job 1229 00:58:56.239 --> 00:58:59.559 done a day quicker. So the second opinion is worth 1230 00:58:59.639 --> 00:59:02.400 its eight and gold. It's one hundred percent free. Even 1231 00:59:02.440 --> 00:59:05.440 if someone told you you need an expensive repair, a 1232 00:59:05.519 --> 00:59:09.719 three or four thousand dollars repair, get the free second opinion, 1233 00:59:09.920 --> 00:59:14.039 especially on a new system. Price ranges in home services, 1234 00:59:14.480 --> 00:59:17.599 it fluctuates more than anything else I know about. I've 1235 00:59:17.639 --> 00:59:20.719 seen water heaters fifteen hundred bucks, and I've seen water 1236 00:59:20.840 --> 00:59:25.239 heaters the exact same one six thousand dollars. Okay, get 1237 00:59:25.320 --> 00:59:28.880 the free second opinion. Fixmi home dot com. That's fixedmihome 1238 00:59:28.960 --> 00:59:32.840 dot com. Now someone catch me up, Gary. Yesterday I 1239 00:59:32.920 --> 00:59:34.679 took the day off yesterday. 1240 00:59:34.440 --> 00:59:37.239 So Mark, he called yesterday, and Tom's notes his father 1241 00:59:37.360 --> 00:59:42.039 passed away in January of twenty three. His then dad's 1242 00:59:42.119 --> 00:59:44.920 widow passed away in February of twenty five, and he 1243 00:59:45.039 --> 00:59:48.039 thinks he's a part of the estate. Dan mackenzie wasn't 1244 00:59:48.039 --> 00:59:50.880 available yesterday, So now we have both Gary the caller 1245 00:59:51.039 --> 00:59:52.719 and Dan on to powow about this. 1246 00:59:52.880 --> 00:59:55.199 Gary real quick before I bring up Dana so he 1247 00:59:55.320 --> 00:59:58.559 can get some real basics. Both of them passed away. 1248 00:59:58.599 --> 01:00:00.639 Do you have siblings or you and ol me child? 1249 01:00:02.400 --> 01:00:07.559 No, my father remarried, and so my stepmother's executor of 1250 01:00:07.639 --> 01:00:13.119 the estate since he passed. I have one half one 1251 01:00:13.239 --> 01:00:17.719 half sister, and that I have a step sister and 1252 01:00:17.880 --> 01:00:22.400 a step brother and will and testament says it's fifty 1253 01:00:22.519 --> 01:00:26.440 percent of the essay will go to my stepbrother who 1254 01:00:26.519 --> 01:00:29.199 took good care of him. He deserves that, and then 1255 01:00:29.320 --> 01:00:32.679 the other fifty percent should be dispersed to. 1256 01:00:33.639 --> 01:00:34.440 The half sister. 1257 01:00:34.760 --> 01:00:36.920 What is that fifty percent? Help me with that? 1258 01:00:37.079 --> 01:00:37.559 What is it? 1259 01:00:38.800 --> 01:00:40.960 I think it's just going to be the proceeds the 1260 01:00:41.119 --> 01:00:43.519 selling of their house, which is probably about two hundred 1261 01:00:43.519 --> 01:00:46.480 and fifty thousand, and any other case beyond that. 1262 01:00:46.800 --> 01:00:49.440 And then who's saying they is someone saying they get 1263 01:00:49.519 --> 01:00:50.519 all of it right now. 1264 01:00:52.440 --> 01:00:55.719 No, I don't think anybody is still a will. There 1265 01:00:55.840 --> 01:00:58.719 is a will and testament that my father made out, and. 1266 01:00:59.159 --> 01:01:02.320 So where does the come in. What is the actual question? 1267 01:01:03.639 --> 01:01:07.119 The actual question is I've been trying to identify from 1268 01:01:07.280 --> 01:01:13.199 the attorneys who handled the estate with my stepmother, what's 1269 01:01:13.320 --> 01:01:16.199 happening since her death in February? 1270 01:01:16.960 --> 01:01:20.639 And do I still have any of that will. 1271 01:01:20.639 --> 01:01:23.480 Test Okay, and you know I got you. Hold on, 1272 01:01:23.599 --> 01:01:25.519 let me bring up Dan. Hey, Dan, it's so funny. 1273 01:01:25.559 --> 01:01:28.760 We do get this question a lot. Someone doesn't have access, 1274 01:01:29.000 --> 01:01:31.679 So I mean, really, you don't have access to the will, Gary, 1275 01:01:32.719 --> 01:01:36.320 or you have no information since January on anything going on? 1276 01:01:37.199 --> 01:01:38.119 That is correct. 1277 01:01:38.360 --> 01:01:41.559 I actually hired an attorney to make contact and he 1278 01:01:41.719 --> 01:01:44.559 tells me they don't have any obligation to tell me anything. 1279 01:01:44.639 --> 01:01:46.880 Yeah, that's that's true, and I'll get into that with Dan. 1280 01:01:47.000 --> 01:01:49.199 But Dan, let me ask you a generic question. This 1281 01:01:49.280 --> 01:01:52.840 guy just made me think about Gary. If let's say 1282 01:01:52.920 --> 01:01:57.239 my mom and dad, my mom passes and my dad 1283 01:01:57.320 --> 01:02:00.000 of course has everything that was in both their names, 1284 01:02:00.199 --> 01:02:02.719 and in my case, that'd be everything. I mean, everything 1285 01:02:02.800 --> 01:02:05.639 would go to whoever survives. So let's say, now my 1286 01:02:05.760 --> 01:02:09.119 dad's got to use a round number one hundred thousand dollars. 1287 01:02:09.559 --> 01:02:12.079 So then he gets remarried and he's still got one 1288 01:02:12.119 --> 01:02:14.960 hundred thousand dollars, and the new wife moves into the house. 1289 01:02:15.400 --> 01:02:19.639 I mean he at that point, regardless of anything, he 1290 01:02:20.119 --> 01:02:23.960 could simply will everything to that that new wife if 1291 01:02:24.000 --> 01:02:27.039 he wanted to. Then I would be left with nothing, 1292 01:02:27.239 --> 01:02:31.719 I mean correct, right, Yeah, so I wonder if that's 1293 01:02:31.800 --> 01:02:34.159 what happened. Here is why I brought it up. But 1294 01:02:34.320 --> 01:02:37.320 what do you make of everything? Gary said? And Dan 1295 01:02:37.440 --> 01:02:39.280 please feel free to ask any questions. 1296 01:02:40.559 --> 01:02:42.320 Yeah, it is. 1297 01:02:43.079 --> 01:02:45.280 It can be difficult because you've got the will saying 1298 01:02:45.320 --> 01:02:48.960 well here's here's where things go. But then the question is, okay, 1299 01:02:49.039 --> 01:02:51.280 but what does the will actually control? And your point 1300 01:02:51.360 --> 01:02:53.880 March is right on, which is like, man, he could 1301 01:02:53.920 --> 01:02:56.400 have put her on the house, like if you know, 1302 01:02:57.000 --> 01:02:59.679 if it was jointly owned, then that became hers, and 1303 01:02:59.719 --> 01:03:02.079 that have happened with all the assets, and his will 1304 01:03:02.199 --> 01:03:05.119 ends up really controlling nothing because everything passed to her 1305 01:03:06.159 --> 01:03:09.280 through other means, And so trying to figure out what 1306 01:03:09.800 --> 01:03:11.760 happened there can be a little bit of a challenge 1307 01:03:12.880 --> 01:03:16.400 and might actually involve going back and investigating. 1308 01:03:16.360 --> 01:03:17.440 Your dad's estate. 1309 01:03:18.840 --> 01:03:23.119 And it sounds like you do have that will. Did 1310 01:03:23.280 --> 01:03:26.719 your mother your stepmother's will get lodged with the court. 1311 01:03:26.800 --> 01:03:27.719 Have you actually seen this? 1312 01:03:29.159 --> 01:03:32.480 I have not, Dan, I have no. I haven't seen 1313 01:03:32.559 --> 01:03:36.880 that or even tried to access it. Okay, it's possible. 1314 01:03:36.880 --> 01:03:37.599 I mean that might be. 1315 01:03:37.679 --> 01:03:39.960 The first stop actually is to go see what her 1316 01:03:40.119 --> 01:03:41.639 will says. 1317 01:03:41.519 --> 01:03:43.440 If she had one, and if she did, you know, 1318 01:03:44.000 --> 01:03:46.440 if there isn't one showing up, then the question is 1319 01:03:46.559 --> 01:03:48.440 is it not showing up because the person who has 1320 01:03:48.480 --> 01:03:50.519 it hasn't turned it over yet, or is it because 1321 01:03:50.519 --> 01:03:55.079 there wasn't one? But yeah, it it can be a 1322 01:03:55.159 --> 01:03:59.159 little bit challenging because you know, you also need to 1323 01:03:59.239 --> 01:04:02.400 know what the asset are and somebody might not have 1324 01:04:02.559 --> 01:04:03.519 shared that information. 1325 01:04:03.559 --> 01:04:06.559 See if he turned all if he made her your 1326 01:04:06.639 --> 01:04:11.639 stepmother the beneficiary of everything, beneficiary's deed on the house, 1327 01:04:11.920 --> 01:04:15.199 beneficiary on the bank accounts. You get the idea. I mean, 1328 01:04:16.000 --> 01:04:19.000 your dad's estate has nothing, then it's all her and 1329 01:04:19.119 --> 01:04:22.039 what she put in her will, not what his wishes were. 1330 01:04:22.119 --> 01:04:24.840 But I mean, we don't know if that happened. But Dan, 1331 01:04:25.159 --> 01:04:29.119 I mean, he can't really he has no access if 1332 01:04:29.199 --> 01:04:31.719 he wanted to force the point, can he motion the 1333 01:04:31.840 --> 01:04:34.920 judge or hire an attorney to motion the judge to 1334 01:04:35.079 --> 01:04:38.239 force them to share the will? Or what happened to 1335 01:04:38.280 --> 01:04:41.519 the assets? Or how do you actually get answers even 1336 01:04:41.559 --> 01:04:43.199 through an attorney, how do you get them? 1337 01:04:43.880 --> 01:04:46.480 Yeah, you have an interest in the estate. 1338 01:04:46.559 --> 01:04:47.800 You should be able to see the will. 1339 01:04:49.239 --> 01:04:49.960 I mean some of this. 1340 01:04:49.960 --> 01:04:50.840 Stuff is public too. 1341 01:04:50.920 --> 01:04:52.000 I mean if they owned. 1342 01:04:51.880 --> 01:04:54.199 Real Like if your dad on real estate, you know, 1343 01:04:54.360 --> 01:04:56.320 you could go back and look at that deed history 1344 01:04:56.360 --> 01:04:58.440 and just see what. Yeah, did he put her on 1345 01:04:58.559 --> 01:05:00.760 the did he put her on the did he put 1346 01:05:00.800 --> 01:05:01.440 it in a trust? 1347 01:05:01.599 --> 01:05:02.239 Is it in a trust? 1348 01:05:02.320 --> 01:05:02.400 Now? 1349 01:05:02.480 --> 01:05:02.519 Like? 1350 01:05:02.599 --> 01:05:03.679 How is it needed right now? 1351 01:05:03.760 --> 01:05:06.239 And maybe be back up, Hey, Dan, it's sus here. 1352 01:05:06.360 --> 01:05:07.079 I have a question. 1353 01:05:07.280 --> 01:05:09.760 So if the other folks attorney says he has no 1354 01:05:09.920 --> 01:05:12.440 obligation or they have no obligation. 1355 01:05:12.679 --> 01:05:17.400 To Gary, if Gary was mentioned in a will from 1356 01:05:17.519 --> 01:05:18.480 the widow. 1357 01:05:18.800 --> 01:05:22.719 Would they then have an obligation to let Gary know 1358 01:05:22.880 --> 01:05:25.119 that or even if he was in it, they still 1359 01:05:25.159 --> 01:05:26.039 have no obligation. 1360 01:05:27.280 --> 01:05:29.880 Yeah, he would have Like if he's mentioned in a will, 1361 01:05:30.000 --> 01:05:32.320 then he certainly has an interest in the estate and 1362 01:05:32.400 --> 01:05:34.280 would have the right to see the will, and the 1363 01:05:34.360 --> 01:05:38.079 will their obligation is to lodge that will with the court, right, 1364 01:05:38.199 --> 01:05:41.159 So I don't know if they necessarily have any obligation 1365 01:05:41.199 --> 01:05:42.840 to him, but they do have an obligation to put 1366 01:05:42.880 --> 01:05:44.760 the will in a place where he can access it. 1367 01:05:45.119 --> 01:05:47.440 So but Gary said, he hired an attorney and the 1368 01:05:47.519 --> 01:05:50.960 attorney said, you have no I mean basically, Gary told 1369 01:05:51.000 --> 01:05:52.599 you you have no right to see the will. 1370 01:05:52.760 --> 01:05:52.880 Right. 1371 01:05:53.960 --> 01:05:57.159 Yeah, that's but hold on, wouldn't that Dan, if everybody 1372 01:05:57.360 --> 01:05:59.400 was doing everything on the up and up, that would 1373 01:05:59.440 --> 01:06:03.199 mean he's said not in the will, right. 1374 01:06:03.280 --> 01:06:05.719 I mean, which is totally you know step relations are 1375 01:06:06.039 --> 01:06:08.239 they are nothing, right. I mean it's like, but you know, 1376 01:06:08.360 --> 01:06:10.159 you can have a step kid in your license. They 1377 01:06:10.199 --> 01:06:12.119 were a tiny little kid and you feel like that's 1378 01:06:12.199 --> 01:06:14.079 my kid, and it's like not legally. 1379 01:06:14.559 --> 01:06:17.239 Yeah yeah, no, not legally. I mean Gary, I mean, 1380 01:06:17.280 --> 01:06:20.360 you're gonna it's a horrible position you're in. So what 1381 01:06:20.920 --> 01:06:23.480 bottom line? In fact, Dan, I hate to do this 1382 01:06:23.639 --> 01:06:26.840 to you. Can you? We also have another question I 1383 01:06:26.920 --> 01:06:29.079 wanted to bring up with you, So do you mind 1384 01:06:29.159 --> 01:06:31.559 hanging on or let me do this. Let me have 1385 01:06:31.719 --> 01:06:34.760 Kelly call you back after the big break. So you're 1386 01:06:34.800 --> 01:06:37.199 not sitting there on hold wasting time? Is that cool? 1387 01:06:38.559 --> 01:06:38.760 Yeah? 1388 01:06:38.920 --> 01:06:40.800 I think I've got another thing at noon, so we'll 1389 01:06:40.840 --> 01:06:41.480 see if I can get on. 1390 01:06:41.639 --> 01:06:44.519 But I'm happy to all right, sounds good. I appreciate it. Man, 1391 01:06:44.559 --> 01:06:47.480 hold on everybody, and then Gary, hold on. I want 1392 01:06:47.559 --> 01:06:50.719 to get like you know, ABC after this for you, 1393 01:06:51.119 --> 01:06:53.960 and then Dan, maybe we can connect later next hour. 1394 01:06:54.039 --> 01:06:55.119 But I got another one. Hold on. 1395 01:06:59.559 --> 01:07:02.840 Go with a sure thing Denver's best roofer Excel Roofing 1396 01:07:02.920 --> 01:07:05.559 dot com. You don't pay a cent until you're content. 1397 01:07:08.960 --> 01:07:12.480 Time for an insurance checkup free no obligation comparison call 1398 01:07:12.599 --> 01:07:15.880 Compass Insurance paying too much your coverage at dozens of 1399 01:07:15.960 --> 01:07:18.599 insurance companies find out now three oh three seven to 1400 01:07:18.679 --> 01:07:21.480 seven to one help. You'll think you're his only customer 1401 01:07:21.519 --> 01:07:23.719 when you choose Frank durand the real estate Man dot 1402 01:07:23.800 --> 01:07:27.079 com to list your home with Remax Alliance three oh 1403 01:07:27.159 --> 01:07:29.079 three nine two zero sixteen twenty two. 1404 01:07:32.000 --> 01:07:34.480 All right, three oh three seven one three A two 1405 01:07:34.639 --> 01:07:37.400 five five. I'm gonna jump right back into Dan mackenzie. 1406 01:07:38.000 --> 01:07:41.599 Dan so for Gary, though he already he has an attorney. 1407 01:07:41.639 --> 01:07:43.760 I don't even know if this is in state. But 1408 01:07:43.960 --> 01:07:46.760 bottom line is what what can he do, if anything 1409 01:07:46.840 --> 01:07:49.239 at this point, what is your direct vice to him? 1410 01:07:49.320 --> 01:07:50.559 Like step one, step two? 1411 01:07:52.119 --> 01:07:55.199 Uh, step one would probably be there. There is a 1412 01:07:56.320 --> 01:07:59.280 document request form on the Colorado Court website and you 1413 01:07:59.360 --> 01:08:01.320 can go on there and see if you can request 1414 01:08:01.639 --> 01:08:04.360 will for your stepmother and for your dad, and just 1415 01:08:04.400 --> 01:08:06.599 make sure you've got those. And then, like I say, 1416 01:08:06.599 --> 01:08:11.800 if they had any sort of public publicly held properties 1417 01:08:11.880 --> 01:08:14.400 like real estate, especially if there's any real estate that 1418 01:08:14.480 --> 01:08:17.159 either one of them want to own, back and look 1419 01:08:17.159 --> 01:08:19.960 at those deeps. Those are all public recording and see 1420 01:08:20.039 --> 01:08:21.760 how they were titled, and if there were a trust 1421 01:08:21.960 --> 01:08:23.439 or if things were jointly owned or what. 1422 01:08:23.680 --> 01:08:26.720 Yeah, Gary, look at look at whatever county. Go to 1423 01:08:26.840 --> 01:08:29.520 the county website and look up the property and see 1424 01:08:29.560 --> 01:08:32.640 whose name it's in. You got that. Okay, that's a 1425 01:08:32.680 --> 01:08:35.279 good free be to do. And then is this in Colorado? 1426 01:08:36.239 --> 01:08:38.680 Now this is in Ohio. Here's how I would add 1427 01:08:38.760 --> 01:08:40.520 one thing. My stepmother was. 1428 01:08:40.520 --> 01:08:44.960 Really incapacitated that whole time between my father's death and 1429 01:08:45.119 --> 01:08:50.199 her dying, and so my stepsister was given power of 1430 01:08:50.319 --> 01:08:51.960 attorney within that time. 1431 01:08:52.119 --> 01:08:54.399 Yeah, you're going to have to the first thing I 1432 01:08:54.479 --> 01:08:56.720 would do is exactly what Dan said. Whether it's in 1433 01:08:56.840 --> 01:08:59.039 Ohio or not, it's not going to matter. You're going 1434 01:08:59.119 --> 01:09:01.560 to be able to go to the county and figure 1435 01:09:01.800 --> 01:09:05.359 out who owns sad house. That's first thing I do. 1436 01:09:05.600 --> 01:09:07.880 Do that and report back to us and Dan. I'm 1437 01:09:07.920 --> 01:09:10.079 hoping you can hold on till after this. I'll come 1438 01:09:10.119 --> 01:09:12.239 to you right after the break. But we got another 1439 01:09:12.359 --> 01:09:13.600 good one for you. Hold tight. 1440 01:09:21.399 --> 01:09:24.680 Go with a sure thing Denver's Best roofer Excel Roofing 1441 01:09:24.760 --> 01:09:27.399 dot com. You don't pay a cent until you're content. 1442 01:09:30.800 --> 01:09:33.960 Time for an insurance check up free, no obligation comparison 1443 01:09:34.119 --> 01:09:37.640 call Compass Insurance paying too much your coverage at dozens 1444 01:09:37.680 --> 01:09:40.399 of insurance companies find out now three O three seven 1445 01:09:40.439 --> 01:09:42.760 to seven to one help. You'll think you're his only 1446 01:09:42.880 --> 01:09:45.279 customer when you choose Frank durand the real estate Man 1447 01:09:45.399 --> 01:09:48.760 dot com to list your home with Remax Alliance three 1448 01:09:49.000 --> 01:09:51.079 three nine two zero sixteen twenty two. 1449 01:09:58.800 --> 01:09:59.039 News. 1450 01:10:00.079 --> 01:10:07.560 You come run just as fast as we can. Show 1451 01:10:07.760 --> 01:10:09.880 Shooter's gonna help coming. 1452 01:10:10.279 --> 01:10:16.600 Man Dix is the Troubleshooter Show. No Tom Martino, Welcome. 1453 01:10:16.319 --> 01:10:18.439 My friends to the only show but Scatt We're here 1454 01:10:18.479 --> 01:10:22.039 to solve problem, but answer questions, take complaints. We're here 1455 01:10:22.119 --> 01:10:24.359 to make your life just a little bit better. You've 1456 01:10:24.399 --> 01:10:27.399 been ripped off or need any help, we do have 1457 01:10:27.640 --> 01:10:30.720 three lines open three oh three seven, one, three eight, 1458 01:10:30.800 --> 01:10:34.159 two five five three oh three Martino. We love helping people. 1459 01:10:34.479 --> 01:10:36.640 In fact, to the tune of over three hundred million 1460 01:10:36.720 --> 01:10:41.399 dollars in cash, merchandise, exchanges and refunds directly due to 1461 01:10:41.479 --> 01:10:44.279 this show. We love diving into problems. Make sure you 1462 01:10:44.359 --> 01:10:47.600 spread that number around. Three oh three Martino works on 1463 01:10:47.720 --> 01:10:49.960 and off the air, or you can always email us 1464 01:10:50.359 --> 01:10:53.279 anytime at help It troubleshooter dot com. We try to 1465 01:10:53.399 --> 01:10:55.680 man the phones quite a bit more than you'd think, 1466 01:10:55.760 --> 01:10:58.520 even when we're not live, and then, of course emails 1467 01:10:58.560 --> 01:11:02.039 we answer constantly. A lot of us have access to 1468 01:11:02.159 --> 01:11:04.000 that account and we all dive in and try to 1469 01:11:04.039 --> 01:11:06.760 help people. But that's it. Three h three Martino. I 1470 01:11:06.840 --> 01:11:11.279 want to bring up Dan mackenzie again. And here's the deal, Kelly. 1471 01:11:11.399 --> 01:11:16.479 You're going to send Suzanne all the information from Gary. 1472 01:11:16.760 --> 01:11:18.920 Yeah, I just sent the last will and testament of 1473 01:11:19.000 --> 01:11:21.880 his father and I'm sending her the information that I've 1474 01:11:22.079 --> 01:11:24.000 garnered about her his brother. 1475 01:11:24.319 --> 01:11:26.399 So Suzanne, what I want you to do is hop 1476 01:11:26.479 --> 01:11:29.720 on the website in Ohio and figure out what county 1477 01:11:29.760 --> 01:11:32.560 it is and see if you can't look up who 1478 01:11:32.640 --> 01:11:35.720 owns that property in Ohio. I mean, that's it. Just 1479 01:11:35.800 --> 01:11:37.840 do a little legwork and we'll get back to Gary 1480 01:11:37.920 --> 01:11:40.840 so we can free Gary up. Actually, but hey, Dan, 1481 01:11:41.000 --> 01:11:42.359 I want to ask you something. 1482 01:11:42.439 --> 01:11:42.600 Man. 1483 01:11:43.119 --> 01:11:46.159 This came up in Suzanne's family. And I'm not going 1484 01:11:46.239 --> 01:11:54.600 to get into specifics, but someone someone's dad passed away, Okay, 1485 01:11:54.720 --> 01:11:57.159 and Suzanne, you're gonna have to jump in this story. Sure, 1486 01:11:57.359 --> 01:12:02.159 And there was a wife that was not the biological 1487 01:12:02.319 --> 01:12:06.439 so a stepmom. So step mom is living in that 1488 01:12:06.640 --> 01:12:09.439 house right now. Dad passed away, he had an estate, 1489 01:12:09.880 --> 01:12:12.439 there's cash in the estate, and then there's a house. 1490 01:12:13.399 --> 01:12:19.039 I believe somehow they did it to where she can 1491 01:12:19.199 --> 01:12:24.359 live in the house until she dies, but then the 1492 01:12:24.560 --> 01:12:28.319 house goes to the son. Is that correct. 1493 01:12:28.520 --> 01:12:32.079 That's correct because that house and property had been in 1494 01:12:32.600 --> 01:12:35.880 let's just say it my brother in law's families. 1495 01:12:36.880 --> 01:12:40.399 In the family for many, many, many decades. 1496 01:12:40.439 --> 01:12:42.319 Oh my god, eighteen hundred yeah, eight. 1497 01:12:42.279 --> 01:12:43.119 Since it's been in. 1498 01:12:43.159 --> 01:12:44.199 The party of the family. 1499 01:12:44.359 --> 01:12:44.520 Dan. 1500 01:12:44.600 --> 01:12:49.800 They actually have cemeteries on this property. It's really crazy, 1501 01:12:49.920 --> 01:12:52.560 so they'll probably be buried there. But so that's what 1502 01:12:52.720 --> 01:12:55.960 happened to the house. But where I don't understand how 1503 01:12:56.039 --> 01:12:58.880 did the money work, Suzanne. How did the rest of 1504 01:12:58.960 --> 01:13:03.079 the estates because the kid didn't get the money. Is 1505 01:13:03.159 --> 01:13:06.920 it like the wife has access to it till she dies, so. 1506 01:13:07.159 --> 01:13:10.880 The wife can use it for her expenses until she dies, 1507 01:13:11.000 --> 01:13:13.680 and what's left over, this is my understanding. 1508 01:13:14.279 --> 01:13:16.760 What was left over would then go back to. 1509 01:13:18.479 --> 01:13:19.880 The sun. 1510 01:13:20.119 --> 01:13:22.319 And here's what I don't get dan setting something up 1511 01:13:22.439 --> 01:13:25.279 like that unless if you limited it, like in a 1512 01:13:25.359 --> 01:13:28.159 trust to where she gets five thousand dollars or we 1513 01:13:28.359 --> 01:13:31.880 pay the utilities or something along that. If the cash 1514 01:13:32.520 --> 01:13:36.000 just transfers to somebody under this scenario, I mean, they 1515 01:13:36.079 --> 01:13:39.000 could easily just spend it or give it to their 1516 01:13:39.039 --> 01:13:42.239 own offspring. I mean, and I get this, you're not 1517 01:13:42.399 --> 01:13:45.279 looking at the will or a trust, if there is 1518 01:13:45.359 --> 01:13:47.800 a trust or anything like that. But what do you 1519 01:13:47.920 --> 01:13:50.479 make of a plan like that? Is that somewhat normal 1520 01:13:50.760 --> 01:13:53.479 when it comes to the property. That way it stays 1521 01:13:53.560 --> 01:13:55.800 in the blood family if you will. 1522 01:13:56.800 --> 01:13:58.319 Yeah, I mean a lot of times that is a 1523 01:13:58.359 --> 01:14:00.439 good use for trust, just to make sure someone can 1524 01:14:00.479 --> 01:14:02.279 stay there and you can have a right of occupancy, 1525 01:14:02.439 --> 01:14:05.000 and it's good to spell out how costible they. 1526 01:14:05.399 --> 01:14:07.960 You know, who's paying for why you know, a person's. 1527 01:14:07.560 --> 01:14:09.800 Putting their temporarily and isn't going to get ownership, doesn't 1528 01:14:09.800 --> 01:14:10.039 want to. 1529 01:14:10.039 --> 01:14:12.079 Replace the roof, but you know that might need to 1530 01:14:12.119 --> 01:14:12.439 be done. 1531 01:14:13.479 --> 01:14:15.560 So that's not that usually is a good use for 1532 01:14:15.640 --> 01:14:17.800 a trust. I mean, certainly on real estate, you could 1533 01:14:17.800 --> 01:14:21.439 have a life estate to which does not require trust planning. 1534 01:14:21.479 --> 01:14:24.039 It's a little bit antiquated, but I still see them 1535 01:14:24.079 --> 01:14:26.720 sometimes where it just says, you know, this person will 1536 01:14:26.880 --> 01:14:29.319 get this property for their lifetime and then it's going 1537 01:14:29.399 --> 01:14:31.800 to you know, go back to this. So that can 1538 01:14:31.880 --> 01:14:34.439 be done without a trust. But I'm trying to think 1539 01:14:34.479 --> 01:14:36.119 of a way that you could do that with cash, 1540 01:14:36.199 --> 01:14:38.439 and I'm not seem they would need a trust to 1541 01:14:38.479 --> 01:14:39.119 do that well. 1542 01:14:39.239 --> 01:14:42.079 And word this brings me too, is people out there 1543 01:14:42.199 --> 01:14:45.520 listening right now that are in this circumstance or maybe 1544 01:14:45.760 --> 01:14:48.720 you know, maybe the kids are listening and they're going, oh, yeah, 1545 01:14:48.800 --> 01:14:51.079 my dad's been married three times. I always thought we 1546 01:14:51.159 --> 01:14:53.800 were going to get the family house. I mean, when 1547 01:14:53.880 --> 01:14:58.000 we start talking about asset protection to the beneficiaries you 1548 01:14:58.159 --> 01:15:00.520 wanted going to. I mean, that's one of the key 1549 01:15:00.640 --> 01:15:03.039 things you guys do, or one of the key things 1550 01:15:03.520 --> 01:15:05.600 that people need to have done, and you guys do. 1551 01:15:06.000 --> 01:15:08.520 So give me an example when we just don't talk 1552 01:15:08.560 --> 01:15:10.479 about a trust or will. I thought this was a 1553 01:15:10.560 --> 01:15:13.840 great example. The father actually went out of his way 1554 01:15:14.279 --> 01:15:18.439 to make sure that you know, the son his first born, 1555 01:15:18.560 --> 01:15:22.760 and that's just how he wanted it actually gets that house, 1556 01:15:22.880 --> 01:15:25.800 that property that has been in that family since the 1557 01:15:25.880 --> 01:15:29.600 eighteen hundreds. Give me some other ideas of how people 1558 01:15:29.760 --> 01:15:33.840 can protect let's call it their legacy, that asset protection 1559 01:15:34.039 --> 01:15:35.319 part of what you do. 1560 01:15:36.520 --> 01:15:39.159 I mean, this is really common and blended families with 1561 01:15:39.239 --> 01:15:40.720 step kids or sep relations. 1562 01:15:40.760 --> 01:15:42.560 I mean we just heard it with Terry, right. 1563 01:15:42.600 --> 01:15:44.680 I mean it's just like you know, if you if 1564 01:15:44.720 --> 01:15:47.680 you get married, you can accidentally disinherit your own kids 1565 01:15:47.720 --> 01:15:49.720 because you do the normal thing, which is you know, 1566 01:15:49.880 --> 01:15:53.119 combined spouse as the combined assets of your house and 1567 01:15:53.199 --> 01:15:55.119 then they're going to get it. And you can have 1568 01:15:55.159 --> 01:15:56.800 a will that says all kinds of things about what 1569 01:15:56.880 --> 01:15:58.800 your kids get, but that will end up doing nothing 1570 01:15:58.880 --> 01:16:01.840 because everything transferred to the spouse first, So it just 1571 01:16:01.960 --> 01:16:03.359 comes up way more often. 1572 01:16:03.199 --> 01:16:03.760 Than you would think. 1573 01:16:03.800 --> 01:16:05.880 It doesn't need to be anything exotic like an eighteen 1574 01:16:05.960 --> 01:16:11.359 hundred farmhouse. They could just see the house. Yeah, yeah, 1575 01:16:11.479 --> 01:16:13.840 this this actually happens all the time, and a lot 1576 01:16:13.920 --> 01:16:16.119 of times, like people want to say, I want my 1577 01:16:16.239 --> 01:16:17.880 spouse to be able to stay in this house. I 1578 01:16:18.000 --> 01:16:20.800 don't want them to be rushed out. I don't want 1579 01:16:20.880 --> 01:16:23.279 kids coming in and taking all the furnishings out or 1580 01:16:23.319 --> 01:16:25.720 things like that. But ultimately, yes, I came into this 1581 01:16:25.880 --> 01:16:29.439 marriage with these assets and this other person at their assets, 1582 01:16:29.479 --> 01:16:31.800 and we want to keep them. We want our kids 1583 01:16:31.840 --> 01:16:34.720 to benefit. So we're going to you know, control this 1584 01:16:34.800 --> 01:16:36.239 out a couple of steps of trust pinning. 1585 01:16:36.479 --> 01:16:38.399 Do you hear that a lot where people call you 1586 01:16:38.479 --> 01:16:41.479 up and go, you know, my dad or my mom forever, 1587 01:16:41.680 --> 01:16:44.159 we're going to leave us X and all of a 1588 01:16:44.199 --> 01:16:48.479 sudden they got remarried and then passed away, and now 1589 01:16:48.760 --> 01:16:51.439 we literally don't have anything and no one will give 1590 01:16:51.520 --> 01:16:53.960 us any information. I know, we get that call a lot. 1591 01:16:54.039 --> 01:16:56.039 In fact, I bet we get it weekly. 1592 01:16:56.920 --> 01:16:59.920 Yeah, I mean, people need to understand what I said earlier. 1593 01:17:00.000 --> 01:17:02.319 When we're trying to gary about like step relations are 1594 01:17:02.439 --> 01:17:04.880 really not you know that is not really a formal 1595 01:17:05.039 --> 01:17:08.600 legal thing. My step parent passes. 1596 01:17:08.279 --> 01:17:08.960 Away, I'm not. 1597 01:17:09.520 --> 01:17:11.640 I am not an error to them and all they 1598 01:17:11.680 --> 01:17:14.279 can certainly make me one by putting putting me in 1599 01:17:14.319 --> 01:17:17.279 their will, but that probably is usually not what happens. 1600 01:17:17.359 --> 01:17:20.199 Even when people don't have animosity for that person, just 1601 01:17:20.279 --> 01:17:25.439 don't think to do it. And yeah, we we do 1602 01:17:25.600 --> 01:17:28.439 see people actually get this neared. Of course, oral promises. 1603 01:17:28.560 --> 01:17:32.000 You know, you might be familiar with the concept that, yes, contracts, 1604 01:17:32.199 --> 01:17:34.479 oral contracts. You and I can make an oral contract 1605 01:17:34.600 --> 01:17:38.920 for you to provide. That does not apply in the 1606 01:17:39.640 --> 01:17:42.439 will context, because if we did that, like everybody would 1607 01:17:42.439 --> 01:17:44.479 come in and say, this person is passed away and 1608 01:17:44.680 --> 01:17:47.359 isn't here to refuse me. Coincidentally with telling me all 1609 01:17:47.439 --> 01:17:49.520 the time, I'm going to get that on the furnhouse. 1610 01:17:49.720 --> 01:17:52.840 You know you actually you educated me years ago when 1611 01:17:53.279 --> 01:17:56.199 we were talking that if you had a video will, 1612 01:17:56.319 --> 01:17:59.000 which really means nothing, but I mean it might be 1613 01:17:59.159 --> 01:18:01.920 someone's wishes them on video. I'm not talking about a 1614 01:18:02.000 --> 01:18:05.359 deep fake. I mean an actual VHS of it, and 1615 01:18:05.520 --> 01:18:07.680 then you have a will that's different than that. It 1616 01:18:07.760 --> 01:18:09.800 doesn't matter. It's going to go to the written will. 1617 01:18:09.880 --> 01:18:15.520 The recording means almost nothing, right, And you know that became. 1618 01:18:15.319 --> 01:18:17.640 Real popular for a moment there where, Yeah, people were 1619 01:18:17.680 --> 01:18:22.119 trying to use videos to document when someone was disinherited. 1620 01:18:22.239 --> 01:18:24.479 It was really meant so they put the video of 1621 01:18:24.520 --> 01:18:26.560 the person saying, I really mean to just neair this person. 1622 01:18:27.000 --> 01:18:29.359 And those videos, actually, I think they found were doing 1623 01:18:29.439 --> 01:18:31.279 more harm than good because a lot of times the 1624 01:18:31.319 --> 01:18:34.000 person was quite elderly, they didn't really look good on 1625 01:18:34.119 --> 01:18:36.720 cameras and totally opposite you, they are looking pretty feeble. 1626 01:18:36.920 --> 01:18:38.880 Everyone's like, we don't know if you were standing off 1627 01:18:38.960 --> 01:18:41.840 camera with a gun, you know, pointed at them saying 1628 01:18:41.880 --> 01:18:44.479 you better say this point so. 1629 01:18:45.199 --> 01:18:47.399 Uh or I'm not gonna yeah, you better say this, 1630 01:18:47.600 --> 01:18:50.000 or I'm not going to feed you later tonight or something. 1631 01:18:50.680 --> 01:18:50.840 Right. 1632 01:18:51.279 --> 01:18:56.359 Hey, down, last last question about once again kind of 1633 01:18:56.399 --> 01:19:00.720 asket protection, but same kind of scenario. New wife and 1634 01:19:00.840 --> 01:19:03.399 let's say there was a life insurance policy out there, 1635 01:19:03.880 --> 01:19:06.640 and you know, you thought the kids thought they were 1636 01:19:06.720 --> 01:19:09.880 the beneficiary forever. I mean, people don't realize this, but 1637 01:19:10.119 --> 01:19:13.439 you know they can change that beneficiary almost at any time, 1638 01:19:13.880 --> 01:19:16.760 and you really have no right to look at the policy. 1639 01:19:16.960 --> 01:19:17.119 Right. 1640 01:19:18.359 --> 01:19:21.199 Yeah, it's pretty it's pretty tough to track that stuff down. 1641 01:19:21.279 --> 01:19:23.479 I mean, you can challenge as any beneficiaries for the 1642 01:19:23.520 --> 01:19:25.159 same reason that you can challenge it will. You can 1643 01:19:25.199 --> 01:19:27.359 say the person was unduly in you can say they 1644 01:19:27.399 --> 01:19:29.560 didn't have capacity to make that kind of decision. But 1645 01:19:30.199 --> 01:19:33.880 it's harder because there's no court case that passes outside approbate. 1646 01:19:34.039 --> 01:19:39.399 So yeah, it takes some effort to get the company 1647 01:19:39.479 --> 01:19:40.960 to share that information with you. 1648 01:19:41.319 --> 01:19:44.800 You know, here's something everybody listening to I love about Mackenzie. 1649 01:19:45.159 --> 01:19:47.439 So Dan, when you call them up, you'll talk to 1650 01:19:47.560 --> 01:19:49.319 him for free. He'll set a time for you. You 1651 01:19:49.520 --> 01:19:51.720 can talk over the phone or meet them, whatever you 1652 01:19:51.760 --> 01:19:54.520 want to do. It doesn't matter where you're in Colorado though. 1653 01:19:54.560 --> 01:19:56.800 You can help you out so or do a zoom 1654 01:19:56.880 --> 01:19:59.600 for that matter. But what's really cool is you kind 1655 01:19:59.640 --> 01:20:01.840 of tell where you're at. Hey, you know, I'm married, 1656 01:20:01.920 --> 01:20:04.920 I'm thirty, we've got two kids, we got this for assets, 1657 01:20:05.199 --> 01:20:07.279 we own a house, and he's going to come up 1658 01:20:07.319 --> 01:20:10.119 with a plan that's right for you. Because everybody's different. 1659 01:20:10.840 --> 01:20:14.560 Whoever's listening can be a lot different than Suzanna and I. 1660 01:20:14.760 --> 01:20:16.880 I mean, you know, our kids are older in life. 1661 01:20:16.920 --> 01:20:19.079 When you have younger kids, you got to figure out 1662 01:20:19.159 --> 01:20:21.399 I think the most important thing we did in our twenties, 1663 01:20:21.479 --> 01:20:23.880 Dan was figure out what would happen to the kids? 1664 01:20:23.920 --> 01:20:26.319 Who's going to take care of the kids. That's probably 1665 01:20:26.399 --> 01:20:28.560 when people, even if they don't have a lot of 1666 01:20:28.680 --> 01:20:31.319 assets or live in an apartment, I mean really, that's 1667 01:20:31.359 --> 01:20:33.680 when people got to start thinking about a will, right, 1668 01:20:33.960 --> 01:20:37.520 either when they come into some kind of money or something. 1669 01:20:37.680 --> 01:20:40.039 I mean, even if it's just a car you own outright, 1670 01:20:40.119 --> 01:20:42.000 who do you want to have it? But really, when 1671 01:20:42.039 --> 01:20:44.359 you have kids, when you say that's like the first 1672 01:20:44.439 --> 01:20:45.680 thing for most people. 1673 01:20:46.319 --> 01:20:48.680 I say, whenever you have somebody relying on you, and 1674 01:20:48.800 --> 01:20:51.000 you kind of I mean, you know, I mean most 1675 01:20:51.000 --> 01:20:53.399 people don't really care if their creditors get taken care of. 1676 01:20:53.600 --> 01:20:56.119 But yeah, once you start owing people money, you got 1677 01:20:56.159 --> 01:20:59.600 someone relying on you, frankly, but at least family if 1678 01:20:59.640 --> 01:21:02.359 you've got a thousand dependent on your income, if you 1679 01:21:02.439 --> 01:21:04.439 got kids, Like that's kind of the part we got 1680 01:21:04.520 --> 01:21:07.039 to say, yeah, here's is going to benefit from this stuff. 1681 01:21:07.159 --> 01:21:10.079 And then just the asset protection for people out there. 1682 01:21:10.159 --> 01:21:12.079 When we talked about that, a little one thing I 1683 01:21:12.119 --> 01:21:14.720 didn't touch base on. You know, I'm kind of dealing 1684 01:21:14.800 --> 01:21:18.119 with Years ago, I started thinking, my parents live in Florida, 1685 01:21:18.920 --> 01:21:21.800 if you move assets before, Medicaid might come in and 1686 01:21:21.880 --> 01:21:24.239 take everything if they long if they end up in 1687 01:21:24.359 --> 01:21:26.640 long term care, which my parents haven't. They live in 1688 01:21:26.960 --> 01:21:28.960 their own house and they're in good shape. But a 1689 01:21:29.039 --> 01:21:31.199 lot of people do end up in long term care. 1690 01:21:31.479 --> 01:21:33.359 And if they have a half a million dollars, let 1691 01:21:33.439 --> 01:21:37.119 me tell you, once they kick on Medicaid, half a 1692 01:21:37.199 --> 01:21:40.159 million dollars can go so fast it would just blow 1693 01:21:40.239 --> 01:21:43.079 your mind. So anything that you wanted to leave to 1694 01:21:43.119 --> 01:21:45.640 your kids or anything your kids you know we're hoping 1695 01:21:45.720 --> 01:21:47.880 to get from you. And that could even be the house, 1696 01:21:48.319 --> 01:21:52.600 the equity in the house. Medicaid can take that stuff away. 1697 01:21:52.640 --> 01:21:55.399 But there's different things and look back periods, and that 1698 01:21:55.600 --> 01:21:58.880 all ties back into that asset protection that Dan can 1699 01:21:59.000 --> 01:22:01.279 help you with if you do. If you're listening right 1700 01:22:01.359 --> 01:22:03.399 now and go, oh, man, if I end up there, 1701 01:22:03.680 --> 01:22:05.479 you know I still want my kids to get this 1702 01:22:05.640 --> 01:22:08.159 house or part of my legacy. He can help you there, 1703 01:22:08.239 --> 01:22:10.880 But there's time frames and that's the kind of stuff 1704 01:22:10.920 --> 01:22:12.800 you got to call Dan on. He's great. Dan. I 1705 01:22:12.960 --> 01:22:15.960 appreciate you coming on, and you can call Dan it 1706 01:22:16.119 --> 01:22:19.960 eight three three co as in Colorado plans eight three 1707 01:22:20.000 --> 01:22:23.600 to three co plans and he'll actually talk to you, 1708 01:22:23.800 --> 01:22:28.119 like I said, and put together pricing meaning you don't 1709 01:22:28.199 --> 01:22:32.000 charge hourly, Right Dan, I mean you pretty much say 1710 01:22:32.039 --> 01:22:33.920 it's going to be this amount and here's what we're 1711 01:22:33.960 --> 01:22:34.279 going to do. 1712 01:22:35.359 --> 01:22:38.720 Yeah, we try and to be for as much as 1713 01:22:38.760 --> 01:22:39.039 we can. 1714 01:22:39.560 --> 01:22:42.560 Yeah. I realize that probate or some things are different 1715 01:22:42.600 --> 01:22:45.239 when you end up in a court and you're fighting 1716 01:22:45.319 --> 01:22:48.439 over something. But in general, if you're looking to structure 1717 01:22:48.479 --> 01:22:51.279 a will or that asset protection, I'm telling you, man, 1718 01:22:51.399 --> 01:22:54.920 Dan's a man. This guy lives and breathes it and 1719 01:22:55.079 --> 01:22:57.359 he's great at it. Call him up, talk to him 1720 01:22:57.439 --> 01:22:59.960 for free, get a price. Maybe you got a will 1721 01:23:00.439 --> 01:23:03.039 or a trust you haven't updated and you got remarried 1722 01:23:03.359 --> 01:23:06.079 and something along the lines of what we've talked about 1723 01:23:06.399 --> 01:23:10.359 in the last half hour. UH is making you think 1724 01:23:10.920 --> 01:23:16.000 eight three three co plans or coplans dot co. 1725 01:23:16.560 --> 01:23:25.319 Thanks Dan, go with a sure thing Denver's best roofer 1726 01:23:25.479 --> 01:23:26.800 Excel roofing dot com. 1727 01:23:27.000 --> 01:23:29.000 You don't pay a cent until you're content. 1728 01:23:32.399 --> 01:23:35.920 Time for an insurance checkup, free no obligation comparison call 1729 01:23:36.039 --> 01:23:39.319 Compass insurance paying too much your coverage at dozens of 1730 01:23:39.399 --> 01:23:40.239 insurance companies. 1731 01:23:40.359 --> 01:23:42.680 Find out now three oh three seven seven to one. 1732 01:23:42.720 --> 01:23:45.520 Help you'll think you're his only customer when you choose 1733 01:23:45.560 --> 01:23:48.000 Frank durand the real estate man dot Com to list 1734 01:23:48.079 --> 01:23:51.159 your home with Remax Alliance three oh three nine two 1735 01:23:51.239 --> 01:23:52.520 zero sixteen twenty two. 1736 01:23:56.840 --> 01:23:59.399 All right, folks, three three seven one three A two 1737 01:23:59.479 --> 01:24:02.279 five five, If I'm gonna tease something coming up. Uh, 1738 01:24:02.479 --> 01:24:06.960 Suzanne did some sleuthing around, and you found tell everybody 1739 01:24:07.000 --> 01:24:07.640 what you found. 1740 01:24:07.880 --> 01:24:13.680 So I found this stepmother's will and also found who 1741 01:24:13.760 --> 01:24:15.800 owned the house, and I found everything. 1742 01:24:15.920 --> 01:24:18.520 Mark, we're gonna we're gonna get that update. Who owned 1743 01:24:18.520 --> 01:24:21.640 that guy's house? What was his name? Already? Forget what 1744 01:24:21.840 --> 01:24:24.640 was the caller's name, Gary? Gary. We're gonna get Gary 1745 01:24:24.800 --> 01:24:27.279 back up, and we're gonna tell him what we found out. 1746 01:24:27.760 --> 01:24:30.880 But we now know what his stepmother owned, we know 1747 01:24:31.239 --> 01:24:34.479 what her will said, and we're not talking in old will. 1748 01:24:34.520 --> 01:24:38.279 We're talking Yeah, Wat's what I mean, the actual will 1749 01:24:38.319 --> 01:24:40.640 that they filed with to court. So we got a 1750 01:24:40.680 --> 01:24:44.000 ton of information. We're gonna get him back on and Uh, 1751 01:24:44.119 --> 01:24:46.159 I think I don't even know the answer yet. I 1752 01:24:46.239 --> 01:24:48.800 told Suzanne not to tell me, but I'm dying to know. 1753 01:24:49.000 --> 01:24:52.279 Is this caller Gary Uh? Is he in the will anywhere? 1754 01:24:52.359 --> 01:24:55.319 Is he gonna get anything? It's crazy, but we're gonna 1755 01:24:55.359 --> 01:24:57.720 find out, so hold tight on that. Then we're gonna 1756 01:24:57.760 --> 01:25:01.399 talk some solar but real quick. Ste the painter, he 1757 01:25:01.560 --> 01:25:04.520 has got a deal for listeners. And I need to 1758 01:25:04.640 --> 01:25:08.920 say this. Steve has worked at our house numerous times. 1759 01:25:09.239 --> 01:25:11.760 He has painted our garage and I mean on the 1760 01:25:11.960 --> 01:25:14.520 inside of it. He has done a ton of touch 1761 01:25:14.640 --> 01:25:17.960 up paint and he's painted our ceilings. If you're looking 1762 01:25:18.039 --> 01:25:20.760 for that painter, Steve and his wife come out. Hey, Steve, 1763 01:25:20.800 --> 01:25:22.199 does your daughter still work with you? 1764 01:25:23.399 --> 01:25:24.039 Yeah? Sure does? 1765 01:25:24.279 --> 01:25:26.680 I love it. This guy does a great job and 1766 01:25:26.760 --> 01:25:30.640 his pricing is unbelievable. We're gonna hear what this special is. 1767 01:25:30.960 --> 01:25:34.359 But he does interior exterior. Now, you guys won't do 1768 01:25:34.560 --> 01:25:38.000 like three story homes anymore? Right, No, we do? 1769 01:25:38.159 --> 01:25:38.319 Now? 1770 01:25:38.560 --> 01:25:39.560 Oh you do some. 1771 01:25:40.159 --> 01:25:44.359 Yes, I picked up some guys and you know, Markham, dude, 1772 01:25:44.399 --> 01:25:47.880 I'll be I'll be sixty nine here, I know, man. 1773 01:25:48.239 --> 01:25:50.199 You know, so getting getting up on the ladders is 1774 01:25:50.319 --> 01:25:51.520 kind of and guess what I'm doing today. 1775 01:25:51.560 --> 01:25:52.920 I'm up on the damn ladder. 1776 01:25:53.039 --> 01:25:53.279 Nice. 1777 01:25:53.319 --> 01:25:55.079 But anyway, well this guy. 1778 01:25:55.039 --> 01:25:57.159 Does when I when I say a great job, I 1779 01:25:57.239 --> 01:25:59.960 mean he can fix your dry wall. Let's say, yeah, 1780 01:26:00.119 --> 01:26:02.319 you got a hole in the wall and you need 1781 01:26:02.439 --> 01:26:05.039 it basically retextured and painted. They can do it. 1782 01:26:05.119 --> 01:26:05.239 All. 1783 01:26:05.520 --> 01:26:08.960 These guys can do anything. And what is the special 1784 01:26:09.119 --> 01:26:11.119 going to be? Oh and by the way, Steve has 1785 01:26:11.159 --> 01:26:13.720 been on our referral list. Steve, I want to say 1786 01:26:13.800 --> 01:26:18.800 twenty years Uh darn close market. I don't remember one really, 1787 01:26:19.079 --> 01:26:23.680 I honestly, I honestly can't think of one single complaint. 1788 01:26:23.840 --> 01:26:26.760 And the way you matched up some of our pain 1789 01:26:26.880 --> 01:26:30.199 in the dining room and other areas, weird colors. I 1790 01:26:30.239 --> 01:26:32.199 don't know how you did it, but you you did 1791 01:26:32.239 --> 01:26:34.319 a lot of touch up when we first moved into 1792 01:26:34.399 --> 01:26:36.760 that house, and then you painted a lot of rooms. 1793 01:26:37.000 --> 01:26:40.119 It just I can't brag enough about you, Steve. Just 1794 01:26:40.239 --> 01:26:42.079 really good job. And I'll give your number out in 1795 01:26:42.119 --> 01:26:44.760 a second. But what is the deal you got cooking 1796 01:26:44.840 --> 01:26:45.760 for people right now? 1797 01:26:47.000 --> 01:26:49.560 Well, we got a double whammy. We're going to give 1798 01:26:49.760 --> 01:26:53.119 ten percent off any interior and extra painting full paint. 1799 01:26:53.720 --> 01:26:55.960 But if you're a veteran. We're going to give fifteen 1800 01:26:56.039 --> 01:26:56.640 percent off. 1801 01:26:57.079 --> 01:26:59.479 Fifteen percent off, give me an idea of like what 1802 01:26:59.600 --> 01:27:02.079 a room. Let's I like when people have a real idea. 1803 01:27:02.359 --> 01:27:05.880 So your average sized bedroom, like a kid's bedroom? What 1804 01:27:06.079 --> 01:27:07.399 what is something like that? 1805 01:27:07.640 --> 01:27:07.800 Run? 1806 01:27:07.920 --> 01:27:08.079 Man? 1807 01:27:08.880 --> 01:27:11.079 Oh, roughly, if we're just doing the walls, you're looking 1808 01:27:11.159 --> 01:27:14.239 maybe about four to twenty five some we're close, nice 1809 01:27:14.399 --> 01:27:16.199 all right about yeah four five? 1810 01:27:16.680 --> 01:27:24.199 And then you do exterior interior anything, yeah, insides, outside, fences, decks, yeah, 1811 01:27:24.239 --> 01:27:27.119 we do it all. We even dose do staining for decks. 1812 01:27:27.159 --> 01:27:29.760 Maybe someone wants to get a deck restained. 1813 01:27:30.039 --> 01:27:33.399 Oh yeah, we do that also, awesome in between in 1814 01:27:33.479 --> 01:27:36.359 between all that stuff and now we've kind of delied 1815 01:27:36.439 --> 01:27:40.279 in doing handyman service. So if you needed some base replacement, 1816 01:27:40.359 --> 01:27:41.279 and you know, we've done that. 1817 01:27:41.479 --> 01:27:43.760 So like baseboard, how about like a ceiling fan? 1818 01:27:43.880 --> 01:27:47.479 Hon uh seiling fans? Kind of kind of iffy because 1819 01:27:47.520 --> 01:27:49.479 now we get an electrical Okay. 1820 01:27:49.560 --> 01:27:51.039 We dellied in it. 1821 01:27:51.119 --> 01:27:52.880 We did it at our house. But yeah, yeah, right, 1822 01:27:52.920 --> 01:27:53.760 isn't too difficult. 1823 01:27:54.439 --> 01:27:57.039 All right, Well that's it, man, So ten percent off 1824 01:27:57.159 --> 01:28:01.359 veterans fifteen Steve the painter. There there's star quality pain 1825 01:28:01.479 --> 01:28:04.199 on our referral list at referral list dot com. But 1826 01:28:04.279 --> 01:28:06.119 you can call it for that deal. Three oh three 1827 01:28:06.800 --> 01:28:10.680 nine four eight eight seven six'. Five they're. Honest they're 1828 01:28:10.680 --> 01:28:12.800 going to do a great job for. You Uh steve 1829 01:28:12.880 --> 01:28:15.840 The painter star. Quality everybody hold. Tight we got a 1830 01:28:15.880 --> 01:28:18.880 lot coming. UP i cannot. Wait we've Got gary. Up 1831 01:28:18.920 --> 01:28:21.880 we're going to do that update than any solar questions 1832 01:28:21.920 --> 01:28:24.760 you have three oh Three. Martino or if you've been ripped, 1833 01:28:24.800 --> 01:28:29.760 off need some, help need some? Advice three zero Three, martino. 1834 01:28:34.960 --> 01:28:38.479 Go with a sure Thing denver's best Roofer Excel roofing dot. 1835 01:28:38.560 --> 01:28:42.039 Com you don't pay a cent until you're content than 1836 01:28:44.319 --> 01:28:46.880 time for an insurance check up, free no. Obligation in, 1837 01:28:46.920 --> 01:28:50.800 comparison Call Compass insurance paying too much your coverage at 1838 01:28:50.840 --> 01:28:53.560 dozens of insurance companies find out now three oh three 1839 01:28:53.720 --> 01:28:55.840 seven to seven to one. Help you'll think you're his 1840 01:28:56.039 --> 01:28:58.600 only customer when you Choose Frank durand the real Estate 1841 01:28:58.680 --> 01:29:01.920 man dot com to list your home With Remax alliance 1842 01:29:02.159 --> 01:29:04.239 three oh three nine two zero sixteen twenty. 1843 01:29:04.279 --> 01:29:08.960 Two all, right three oh three seven one THREE a 1844 01:29:09.079 --> 01:29:11.359 two five. Five we're gonna do this. Now we're going 1845 01:29:11.439 --> 01:29:15.239 to have a conversation next hour ABOUT ai. Two it 1846 01:29:15.359 --> 01:29:19.720 is absolutely, incredible but there's some stuff that you might be. 1847 01:29:19.840 --> 01:29:22.640 Shocked who's going to lose your? Jobs? First AND i 1848 01:29:22.720 --> 01:29:24.880 mean this could be coming up in a year or, 1849 01:29:25.000 --> 01:29:27.720 so and a lot of, it of, course is based 1850 01:29:27.760 --> 01:29:30.239 on my, opinion but then also a ton of research 1851 01:29:31.079 --> 01:29:34.159 schools and colleges have done on you, know you might 1852 01:29:34.199 --> 01:29:36.479 be in college right now getting certain degrees and they 1853 01:29:36.520 --> 01:29:40.119 could be absolutely. Worthless And i'm not. Kidding so we're 1854 01:29:40.119 --> 01:29:42.039 going to talk about that next. Hour we're also going 1855 01:29:42.119 --> 01:29:44.199 to talk about solar but right Now i'm going to 1856 01:29:44.239 --> 01:29:47.840 Bring gary. Up, Hey, Gary susan found OUT i got 1857 01:29:47.920 --> 01:29:50.800 to recap real. Quick gary called in and basically he 1858 01:29:50.920 --> 01:29:53.840 thought he was going to be getting his father's house 1859 01:29:53.880 --> 01:29:56.560 when he passed, away and some money and part of the. 1860 01:29:56.800 --> 01:29:59.680 Estate and he very, well, maybe BUT i don't even 1861 01:29:59.720 --> 01:30:05.079 know the answer. Yet but father, died got. Remarried the 1862 01:30:05.239 --> 01:30:10.319 woman that basically he remarried still lived in the, house 1863 01:30:10.399 --> 01:30:13.600 but she just passed. Away she passed. Away why carry 1864 01:30:13.640 --> 01:30:17.000 the beginning of the, year, basically, Uh february this, Year 1865 01:30:17.239 --> 01:30:20.119 so she passed. Away and now everybody's got their lips, 1866 01:30:20.199 --> 01:30:24.359 tight not sharing any, information who owned the, house who 1867 01:30:24.439 --> 01:30:27.199 gets the, money what does the will look? Like, well 1868 01:30:27.319 --> 01:30:30.000 we've got some good, answers. Man we actually found the. 1869 01:30:30.039 --> 01:30:32.800 Will we're going to email you a copy of, it 1870 01:30:32.920 --> 01:30:35.880 but we're going to tell you what we, Found, suzanne real. 1871 01:30:35.960 --> 01:30:38.600 Quick Did dan McKenzie did he return that? 1872 01:30:38.760 --> 01:30:42.079 Call he has not answered my, question JAF, R so 1873 01:30:42.319 --> 01:30:43.920 send him a copy of. That and he did, that 1874 01:30:44.039 --> 01:30:45.479 and it's in your inbox as. 1875 01:30:45.520 --> 01:30:45.680 Well. 1876 01:30:45.800 --> 01:30:48.920 Excellent So i'm gonna Let suzanne just kind of talk 1877 01:30:49.039 --> 01:30:51.199 from here out and let you know what she. Found 1878 01:30:51.279 --> 01:30:55.199 but there is some, questions some legal eese we might 1879 01:30:55.359 --> 01:30:58.439 not know the answers. To But dan will once we 1880 01:30:58.600 --> 01:31:01.760 get him back involved with might be tomorrow or when 1881 01:31:01.800 --> 01:31:03.840 the show's, over but go. Ahead, Okay so so. 1882 01:31:04.000 --> 01:31:08.239 Curious first, Off, GARY i found out who owns that particular, 1883 01:31:08.359 --> 01:31:10.680 house or who owned that particular. 1884 01:31:10.800 --> 01:31:14.039 House it was your, stepmom not your. 1885 01:31:14.159 --> 01:31:18.359 Dad she was the only owner of that property address 1886 01:31:18.439 --> 01:31:20.479 that you sent In Stark, County. 1887 01:31:20.520 --> 01:31:25.079 Ohio did you own it prior did your dad own 1888 01:31:25.159 --> 01:31:26.479 it prior to meeting? Her? 1889 01:31:28.359 --> 01:31:29.600 No, no they bought that. 1890 01:31:30.560 --> 01:31:33.720 Together, okay technically she was the. OWNER i don't know 1891 01:31:33.800 --> 01:31:36.119 how that works with marital. Property did you see the 1892 01:31:36.239 --> 01:31:36.960 deed before? 1893 01:31:37.079 --> 01:31:37.119 That? 1894 01:31:38.039 --> 01:31:39.039 Uh, no that kind of. 1895 01:31:39.119 --> 01:31:41.560 INFORMATION i was trying to see who might may have 1896 01:31:41.640 --> 01:31:43.600 owned it before it AND i could not see that 1897 01:31:43.760 --> 01:31:44.720 information on their. 1898 01:31:44.640 --> 01:31:47.520 Webs no. Doubt as of this, second she's the Only 1899 01:31:47.840 --> 01:31:51.039 she was the only owner of that. House so you're 1900 01:31:51.119 --> 01:31:53.720 you you were ast out of that brow open that. 1901 01:31:53.800 --> 01:31:57.399 EMAIL i sent. You so this is what's, curious not 1902 01:31:57.560 --> 01:31:59.680 the will, one but the other. ONE i don't know 1903 01:31:59.760 --> 01:32:01.640 what that document, is but they were at the. 1904 01:32:01.720 --> 01:32:02.840 WILL i haven't got. 1905 01:32:02.920 --> 01:32:07.960 It, okay her will and this other document was filed 1906 01:32:08.159 --> 01:32:11.199 on the same. Day so let me tell you what 1907 01:32:11.319 --> 01:32:15.359 the will, Said, GARY i am, widowed not, remarried and 1908 01:32:15.479 --> 01:32:19.199 have three. Children And i'm just gonna say their first, Name, Kevin, 1909 01:32:19.520 --> 01:32:22.640 stacy and DON i give them all of my. 1910 01:32:22.840 --> 01:32:26.600 Property it is to be divided among them in the. 1911 01:32:26.760 --> 01:32:30.199 Will AS i read, It, gary your name was not 1912 01:32:30.520 --> 01:32:33.079 mentioned in her will at. All and this was filed 1913 01:32:33.199 --> 01:32:37.239 In may of twenty twenty. Five that being, said WHAT 1914 01:32:37.359 --> 01:32:40.239 i was Hoping mark And dan mackenzie could look. At 1915 01:32:40.920 --> 01:32:44.479 on the same day that her will was, filed there 1916 01:32:44.640 --> 01:32:48.840 is this. Document it says surviving spouse, children next Of 1917 01:32:49.039 --> 01:32:53.439 ken legates AND i don't know how to say the word. Devass's, 1918 01:32:53.880 --> 01:32:59.720 now your name was mentioned along with listed not, mentioned 1919 01:33:00.279 --> 01:33:04.039 listed along With Kevin don And. Stacy but at the 1920 01:33:04.159 --> 01:33:07.279 bottom of this same, document it, says the following are 1921 01:33:07.319 --> 01:33:12.079 the vested beneficiaries named in the descendants, will and that Was, 1922 01:33:12.319 --> 01:33:17.000 Kevin don And, stacy not. You i'm just not sure 1923 01:33:17.279 --> 01:33:19.039 what this document. 1924 01:33:18.920 --> 01:33:22.920 Is when it talks about him and the Other. 1925 01:33:23.279 --> 01:33:27.800 The following are descendants known surviving spouse children and lineal 1926 01:33:27.920 --> 01:33:33.520 descendants of deceased. Children if none he the following are descendants. 1927 01:33:33.720 --> 01:33:36.760 Next so you were the next Of ken if all 1928 01:33:37.239 --> 01:33:40.880 the three kids, died but you were not mentioned in the, 1929 01:33:40.960 --> 01:33:42.199 will And i'm very. 1930 01:33:42.319 --> 01:33:44.600 Sorry to tell you that you were simply in. 1931 01:33:44.760 --> 01:33:48.159 Success and the other thing IS i SAW i read 1932 01:33:48.199 --> 01:33:51.239 your dad's. Will he was. Clear, oh AND i was 1933 01:33:51.479 --> 01:33:55.119 also going to ask you, Will, Well gary sent Me dad's. 1934 01:33:55.159 --> 01:33:57.840 Will, well let's tell the. Listeners so prior to him, 1935 01:33:57.960 --> 01:34:00.800 passing he did will and what did? Say it? 1936 01:34:01.039 --> 01:34:03.760 Said, now that's WHAT i was going to say real quick. 1937 01:34:03.840 --> 01:34:04.520 Though BEFORE i. 1938 01:34:04.600 --> 01:34:07.439 Read dad's, Will, gary you said she you did not 1939 01:34:07.640 --> 01:34:10.600 think she was of sound mind when she, died or 1940 01:34:10.680 --> 01:34:14.000 however you put that for how long do you think 1941 01:34:14.159 --> 01:34:16.399 she did not have a sound, mind just if you 1942 01:34:16.479 --> 01:34:18.279 had to, Guess, well. 1943 01:34:18.199 --> 01:34:22.239 Even before my father, passed, okay sleeping like twenty hours a. 1944 01:34:22.359 --> 01:34:25.000 Day and then when she went in the, hospice she 1945 01:34:25.159 --> 01:34:28.439 was taken care of By, don WHO i thought maybe 1946 01:34:28.520 --> 01:34:30.560 took over power of accurrence because. 1947 01:34:30.399 --> 01:34:35.359 Your will was signed by Her april of twenty twenty, 1948 01:34:35.479 --> 01:34:38.399 four so after your dad, died but a year before she. 1949 01:34:38.600 --> 01:34:43.720 Died now what's interesting is your dad was clearly a 1950 01:34:43.800 --> 01:34:47.840 lot more generous in his, will naming everything to his 1951 01:34:48.039 --> 01:34:52.159 wife and if my wife does not survive, ME i 1952 01:34:52.640 --> 01:34:55.840 fifty percent To, kevin like you, said and then the 1953 01:34:55.960 --> 01:34:59.239 rest divided up between, You, stacy And. 1954 01:34:59.439 --> 01:35:03.119 Don so he was actually he wasn't going to ace 1955 01:35:03.239 --> 01:35:04.279 out her kids. 1956 01:35:05.680 --> 01:35:05.840 Out. 1957 01:35:05.960 --> 01:35:09.439 Him she. Did oh my, GOD i don't speak wrong 1958 01:35:09.520 --> 01:35:10.840 of the, dead but that kind of. 1959 01:35:11.079 --> 01:35:11.399 Sucks. 1960 01:35:11.439 --> 01:35:14.800 Scary, YEAH i, mean your dad was, like let's split 1961 01:35:14.880 --> 01:35:18.800 it between the four. Kids, yeah and she's, like, man my, 1962 01:35:18.960 --> 01:35:20.680 kids only do you get along with these? 1963 01:35:20.760 --> 01:35:21.039 Kids? 1964 01:35:22.479 --> 01:35:26.239 No she forever didn't like me because my dad AND 1965 01:35:26.319 --> 01:35:30.079 i had a very strong confidential, relationship AND i think 1966 01:35:30.159 --> 01:35:33.399 she was always jealous of, that and she passed that 1967 01:35:33.520 --> 01:35:37.079 acrimony along to her. Children SO i was never really 1968 01:35:37.159 --> 01:35:39.800 a part of that family that. Much but my father 1969 01:35:40.000 --> 01:35:41.880 loved me to, death as you can see by. That, 1970 01:35:42.319 --> 01:35:45.000 Yeah and that's WHY i was curious if there was 1971 01:35:45.039 --> 01:35:48.000 any leeway on, that BECAUSE i know what his sentiments. 1972 01:35:48.079 --> 01:35:52.920 Were BUT i knew that she had a more acrimonious 1973 01:35:53.000 --> 01:35:54.399 relationship when it came to. 1974 01:35:54.520 --> 01:35:56.640 Me So, gary What i'm going to do, is it's 1975 01:35:56.760 --> 01:35:59.399 just in CASE i have it all, wrong Because i'm 1976 01:35:59.439 --> 01:36:02.279 not in a an, attorney that's for. Sure i'm going 1977 01:36:02.359 --> 01:36:04.960 to send you these two, documents so you have them 1978 01:36:05.000 --> 01:36:08.119 in your email and you can have an attorney look over. 1979 01:36:08.239 --> 01:36:12.199 Them you can read them yourself. Whatnot, yeah and then 1980 01:36:12.399 --> 01:36:15.000 we send. Them we sent them To mackenzie and he'll 1981 01:36:15.000 --> 01:36:18.640 give us some. Feedback we'll send you that as. Well But, gary, sorry, 1982 01:36:18.720 --> 01:36:20.800 man BUT i am glad we got to the bottom of. 1983 01:36:20.880 --> 01:36:23.680 It you didn't have to hire another. Attorney we got. 1984 01:36:23.760 --> 01:36:25.199 It suzanne got to figure it out for. 1985 01:36:25.359 --> 01:36:28.560 You, Well, well thank you so. MUCH i gotta appreciate. 1986 01:36:28.720 --> 01:36:31.760 That and my intuition was that you would probably lock 1987 01:36:31.880 --> 01:36:34.079 me out of, that just given the tenor of the 1988 01:36:34.199 --> 01:36:35.640 family relationships at the. 1989 01:36:35.720 --> 01:36:36.319 Time, yeah that. 1990 01:36:36.479 --> 01:36:39.800 Sucks. Man, Hey, GARY i appreciate, it and, uh you, 1991 01:36:39.880 --> 01:36:43.319 know bless, you AND i hope everything's cool with the 1992 01:36:43.399 --> 01:36:45.560 rest of your. Life And i'm glad you called the. 1993 01:36:45.600 --> 01:36:48.479 Show three oh three seven one three eight two five. 1994 01:36:48.760 --> 01:36:52.199 Five we got lines, open love to hear from. You hold, tight. 1995 01:36:57.960 --> 01:37:01.479 Go with a sure Thing Denver's Best excel roofing dot. 1996 01:37:01.600 --> 01:37:07.520 Com you don't pay a cent until you're. Content time 1997 01:37:07.600 --> 01:37:10.880 for an insurance check up free no obligation comparison Call 1998 01:37:11.000 --> 01:37:14.279 Compass insurance paying too much your coverage at dozens of 1999 01:37:14.319 --> 01:37:17.000 insurance companies find out now three oh, three seven to 2000 01:37:17.079 --> 01:37:19.840 seven to one. Help you'll think you're his only customer 2001 01:37:19.920 --> 01:37:22.079 when you Choose frank durand the real Estate man dot 2002 01:37:22.199 --> 01:37:25.479 com to list your home With Remax. Alliance three oh 2003 01:37:25.560 --> 01:37:27.239 three nine two zero sixteen twenty. 2004 01:37:27.319 --> 01:37:31.479 Two all, right we got a lot. Cooking next, hour 2005 01:37:31.600 --> 01:37:33.600 we're going to be talking some solar of, course we're 2006 01:37:33.600 --> 01:37:37.279 always calls come. First three oh Three martina ripped off taking. 2007 01:37:37.279 --> 01:37:39.840 ADVANTAGES i want to hear from. You but we're also 2008 01:37:39.960 --> 01:37:42.279 going to be talking about some of the. JOBS ai 2009 01:37:43.199 --> 01:37:45.159 is going to be taken away probably in the next 2010 01:37:45.279 --> 01:37:48.439 year and a lot of college kids out. THERE i 2011 01:37:48.520 --> 01:37:50.920 want you to kind to pay attention to, this BUT 2012 01:37:51.039 --> 01:37:53.560 ai is getting to the POINT i can't even believe. 2013 01:37:53.600 --> 01:37:55.479 It but we are going to dive into that. Now 2014 01:37:55.520 --> 01:37:58.039 i'm going to start this call With, mickey and if 2015 01:37:58.079 --> 01:38:00.239 we got to bring you, Over, mickey we'll do. That you, 2016 01:38:00.319 --> 01:38:04.279 know my mom's name Is. Michelle she goes By, joan but, 2017 01:38:04.520 --> 01:38:07.960 everybody all of her, siblings call Her. Mickey AND i 2018 01:38:08.039 --> 01:38:11.159 don't think Besides Mickey, Mouse i've ever heard that name. Before. 2019 01:38:11.600 --> 01:38:12.479 Mickey go, Ahead. 2020 01:38:14.720 --> 01:38:19.279 HI i don't know if you own a particular subject or, 2021 01:38:19.399 --> 01:38:24.039 not but about a year, ago you had someone on 2022 01:38:24.199 --> 01:38:29.239 From Compass insurance And tom or the guy From compass 2023 01:38:31.079 --> 01:38:33.600 talked about a list that he had of insurance companies 2024 01:38:33.600 --> 01:38:35.279 that he would in touch with a ten foot poll 2025 01:38:35.800 --> 01:38:38.600 good ones and the bad. Ones And i'm wondering IF 2026 01:38:38.720 --> 01:38:41.680 i could find out about what that list. Is, AGAIN 2027 01:38:41.760 --> 01:38:43.279 i was driving and couldn't copy it. 2028 01:38:43.359 --> 01:38:46.239 Down, WELL i mean the, LIST i can get. It 2029 01:38:46.520 --> 01:38:48.680 you know, what that's not a bad. Deal What i'll do, 2030 01:38:48.960 --> 01:38:51.479 is after the, Break i'll Get brian back. On i'm 2031 01:38:51.520 --> 01:38:53.600 going to tell you my opinion based on a million 2032 01:38:53.720 --> 01:38:57.079 calls That i've taken at this point the worst out 2033 01:38:57.119 --> 01:39:00.239 there in my, Opinions Fred Leyer Ferrauto. INSURANCE i don't 2034 01:39:00.239 --> 01:39:02.800 think they do, home but they just fight their own, 2035 01:39:02.920 --> 01:39:06.520 clients they fight other people that were. Harmed those guys 2036 01:39:06.720 --> 01:39:09.199 just put up a. Fight and one of the Things John, 2037 01:39:09.319 --> 01:39:12.039 fuller one of our personal injury attorneys WHO i, love 2038 01:39:12.640 --> 01:39:16.079 taught me is that when they actually print out the 2039 01:39:16.159 --> 01:39:21.199 application for their car insurance, product people deny. Medpay medpay 2040 01:39:21.279 --> 01:39:24.640 cost almost. Nothing so let's say you're paying two thousand 2041 01:39:24.720 --> 01:39:27.840 dollars a year for auto, insurance medpay might cost you 2042 01:39:27.920 --> 01:39:32.079 another thirty bucks and it's no questions asked. Money it's 2043 01:39:32.159 --> 01:39:35.720 the easiest coverage to use and there's just no questions. 2044 01:39:35.800 --> 01:39:38.640 Asked if you get into an accident and someone's hurt 2045 01:39:38.760 --> 01:39:41.640 in your, car you can use medpay and it's dirt. 2046 01:39:41.760 --> 01:39:45.039 Cheap but when they print out the, applications according To, 2047 01:39:45.159 --> 01:39:49.439 fuller they literally check the box you deny. It that's 2048 01:39:49.479 --> 01:39:52.800 how sneaky they. Are and in the state Of, colorado 2049 01:39:53.199 --> 01:39:57.159 you have to give medpay unless if the client declines. 2050 01:39:57.239 --> 01:39:59.920 It so they make the choice for you because they 2051 01:40:00.159 --> 01:40:03.960 know it's a loser for. Them, Now tom AND i 2052 01:40:04.159 --> 01:40:08.520 disagree on. One all state and here's the only REASON 2053 01:40:08.600 --> 01:40:12.000 i say. That in some, communities And i'm dealing with 2054 01:40:12.159 --> 01:40:15.880 one right, now In, nebraska all state is half the 2055 01:40:16.000 --> 01:40:19.720 price of anybody. ELSE i don't know. WHY i have 2056 01:40:19.880 --> 01:40:24.680 no idea same coverage half the price of stuff we're looking. 2057 01:40:24.760 --> 01:40:28.359 At that's. Rule so maybe In nebraska when it comes 2058 01:40:28.399 --> 01:40:32.039 to rural, property they have just made themselves the. Cheapest 2059 01:40:32.279 --> 01:40:34.840 And i've got some other good examples. Too But, kelly 2060 01:40:35.239 --> 01:40:38.439 let's Get Brian burns on AND i want to talk 2061 01:40:38.479 --> 01:40:40.920 to him about. This and we've got a lot more 2062 01:40:41.000 --> 01:40:44.520 coming up right here on The Troubleshooter. Show please don't 2063 01:40:44.560 --> 01:40:47.640 forget three oh Three martino one hour coming. Up love 2064 01:40:47.680 --> 01:40:50.560 to hear from. You three oh Three martino works on 2065 01:40:50.760 --> 01:40:53.680 off the, Air Help troubleshooter Dot, Com Hank. Tight we're 2066 01:40:53.720 --> 01:40:55.800 also going to be talking To brooke and how you 2067 01:40:55.960 --> 01:40:59.039 can get a free commercial solar. 2068 01:40:59.520 --> 01:41:15.479 System go with a sure Thing Denver's Best Roofer Excel 2069 01:41:15.600 --> 01:41:16.199 roofing dot. 2070 01:41:16.279 --> 01:41:18.199 Com you don't pay a cent until you're. 2071 01:41:18.239 --> 01:41:24.479 Content time for an insurance check, up free no obligation 2072 01:41:24.640 --> 01:41:28.479 comparison Call Compass insurance paying too much your coverage at 2073 01:41:28.520 --> 01:41:29.439 dozens of insurance. 2074 01:41:29.479 --> 01:41:32.199 Companies find Out now three oh three seven seven one. 2075 01:41:32.359 --> 01:41:35.159 Help you'll think you're his only customer when you Choose 2076 01:41:35.199 --> 01:41:37.640 frank durand the real Estate man dot com to list 2077 01:41:37.720 --> 01:41:40.800 your home With Remax alliance three oh three nine two 2078 01:41:40.880 --> 01:41:42.319 zero sixteen twenty two. 2079 01:41:47.720 --> 01:41:55.880 Rid you need advice so you don't have to run 2080 01:41:56.000 --> 01:41:59.840 anxious as can no shoot us gonna. 2081 01:42:00.560 --> 01:42:08.880 Come this is The Troubleshooter. Show No Tom, Martinez welcome 2082 01:42:09.000 --> 01:42:12.880 my friends to the only show of its. Kind we 2083 01:42:13.000 --> 01:42:14.720 go after the bad. Guys we've been doing this for 2084 01:42:14.800 --> 01:42:17.079 over forty five. Years you've been ripped off or taking 2085 01:42:17.119 --> 01:42:19.520 advantage Of i'll tell you. What we have got a 2086 01:42:19.640 --> 01:42:24.319 record that's, unbelievable over three hundred million dollars arguably coming 2087 01:42:24.399 --> 01:42:28.560 up on four hundred million dollars in, cash merchandise, exchanges. 2088 01:42:28.680 --> 01:42:32.079 Refunds and then that doesn't include all the advice people 2089 01:42:32.199 --> 01:42:36.000 learned so they don't get ripped. Off if you have 2090 01:42:36.119 --> 01:42:39.520 any questions you want to tell everybody about a bad, 2091 01:42:39.640 --> 01:42:42.439 guy this is the place for. You you can check 2092 01:42:42.560 --> 01:42:46.319 us out every single day of course ten am to 2093 01:42:46.479 --> 01:42:50.159 two Pm mountain, time where you can check us out 2094 01:42:50.239 --> 01:42:53.520 on The iHeart app at any time or wherever you 2095 01:42:53.640 --> 01:42:56.279 get your, podcasts and then of course our YouTube channel 2096 01:42:56.520 --> 01:43:00.039 you can actually watch us and listen to. US i 2097 01:43:00.079 --> 01:43:02.479 can hear sturing the. Breaks you go to, YouTube type 2098 01:43:02.520 --> 01:43:06.359 in Trouble Shooter. Network all, right three three, seven one 2099 01:43:06.399 --> 01:43:09.680 three eight two five. Five So Brooke white is with 2100 01:43:09.880 --> 01:43:12.000 me With Red Rock. Solar we're going to be talking 2101 01:43:12.079 --> 01:43:16.000 to her about commercial systems and this grant money where 2102 01:43:16.079 --> 01:43:19.439 she has literally gotten people one hundred, percent in, fact 2103 01:43:19.520 --> 01:43:22.439 even better than. That sometimes she's gotten people one hundred 2104 01:43:22.439 --> 01:43:26.600 and twenty percent of the cost of the commercial solar. 2105 01:43:26.720 --> 01:43:29.079 System we're going to dive into that and some other 2106 01:43:29.199 --> 01:43:31.680 stuff into. Solar we're going to talk a LITTLE. Ai 2107 01:43:31.840 --> 01:43:36.199 but right Now mickey called up And Brian. Burns he's 2108 01:43:36.279 --> 01:43:39.960 our expert With Compass. Insurance, Brian first of, all thanks 2109 01:43:40.000 --> 01:43:42.319 for coming on as. Always how are you, doing Bro 2110 01:43:43.520 --> 01:43:43.960 i'm doing. 2111 01:43:44.000 --> 01:43:44.560 Good how about? 2112 01:43:44.600 --> 01:43:44.640 You? 2113 01:43:44.920 --> 01:43:47.159 Good you buy That tesla yet you keep telling me 2114 01:43:47.199 --> 01:43:47.800 you're going to get. 2115 01:43:47.840 --> 01:43:50.239 ONE i, KNOW i keep going around with, it BUT 2116 01:43:50.399 --> 01:43:52.319 i haven't done. YET i just need to take years 2117 01:43:52.479 --> 01:43:53.680 a week and then we'll. 2118 01:43:53.960 --> 01:43:54.880 Decide you, KNOW i. 2119 01:43:55.000 --> 01:43:57.760 Actually wouldn't mind that we're going out of town. Now 2120 01:43:57.800 --> 01:43:59.520 i'm not. KIDDING i wouldn't. Mind we'll be out of 2121 01:43:59.600 --> 01:44:02.920 town three, days AND i would not mind that at. 2122 01:44:02.960 --> 01:44:03.119 All. 2123 01:44:03.279 --> 01:44:05.560 Man so if you really want to do, THAT i 2124 01:44:05.640 --> 01:44:07.800 think that's a great. Idea as long as you gas 2125 01:44:07.960 --> 01:44:09.159 it up when you're. Done how's that? 2126 01:44:09.680 --> 01:44:10.119 There you? Go? 2127 01:44:10.399 --> 01:44:14.199 Exactly so, Listen mickey was listening a long time. AGO 2128 01:44:14.279 --> 01:44:17.199 i don't know when it, was AND i Guess tom 2129 01:44:18.000 --> 01:44:21.720 AND i or you And tom were having the conversation 2130 01:44:21.880 --> 01:44:26.359 about insurance companies that are just, horrible and, HONESTLY i 2131 01:44:26.560 --> 01:44:30.359 disagree With tom on some all STATE i happen to 2132 01:44:30.439 --> 01:44:34.439 find out In, nebraska in a rural community right, now 2133 01:44:34.960 --> 01:44:38.000 they're really the only. Game they're half price of anybody, 2134 01:44:38.079 --> 01:44:40.479 else and a lot of people because Of wind And 2135 01:44:40.600 --> 01:44:43.520 hall pulled out of new. Business they don't even do 2136 01:44:43.680 --> 01:44:47.239 business in this part Of. Nebraska but that's kind of 2137 01:44:47.279 --> 01:44:50.079 the same With. COLORADO i mean a lot has changed. 2138 01:44:50.119 --> 01:44:54.079 Here and WHAT i have come to, understand especially through 2139 01:44:54.880 --> 01:44:58.640 your education of, me when it comes to insurance insurance 2140 01:44:58.720 --> 01:45:01.800 companies at different time times do what's right for the insurance. 2141 01:45:01.880 --> 01:45:06.239 Company progressive at a certain time might be targeting people 2142 01:45:06.359 --> 01:45:08.960 with young drivers in the house and have the best, 2143 01:45:09.079 --> 01:45:11.319 rates then all of a, sudden a couple of years, 2144 01:45:11.399 --> 01:45:14.199 later they might have the worst rates for new. DRIVERS 2145 01:45:15.159 --> 01:45:18.079 a company might be In california this, year but because 2146 01:45:18.119 --> 01:45:21.640 the wildfires aren't doing new, business but then all of a, 2147 01:45:21.680 --> 01:45:24.800 sudden a few years from, now they might be aggressively 2148 01:45:24.880 --> 01:45:27.920 in that. Market, AGAIN i mean they constantly. Change, Right, 2149 01:45:28.800 --> 01:45:29.479 no you're exactly. 2150 01:45:29.600 --> 01:45:31.960 Right that's probably a better way to phrase. It it's 2151 01:45:32.119 --> 01:45:36.680 the thing is is what what why anybody would want 2152 01:45:36.760 --> 01:45:39.399 to go to someone that can only do that one? 2153 01:45:39.479 --> 01:45:42.600 Carrier because of the reason you're, saying it's. It it 2154 01:45:42.800 --> 01:45:45.600 fluctuates so. Dramatically it's like one year you have a 2155 01:45:45.680 --> 01:45:48.039 company that's really aggressively trying to write, business and then 2156 01:45:48.039 --> 01:45:49.800 all of a, sudden the rates go way up because 2157 01:45:49.800 --> 01:45:51.720 they're really wanting to get out of a certain. Area 2158 01:45:51.800 --> 01:45:54.319 but that agent is not their. Fault they just they 2159 01:45:54.359 --> 01:45:57.239 have no other, option so they have to convince you 2160 01:45:57.359 --> 01:45:58.159 why you should stay. 2161 01:45:58.239 --> 01:46:00.840 Put so, yeah so here's WHAT i, do, real here's 2162 01:46:00.880 --> 01:46:03.840 WHAT i do each. Year in fact right now is very. 2163 01:46:04.039 --> 01:46:08.800 Unique every single POLICY i. Have i've got A rv, 2164 01:46:09.000 --> 01:46:13.760 policy a motorcycle, policy a trailer, policy a typical auto, 2165 01:46:13.920 --> 01:46:19.199 policy an, umbrella a business, policy and a homeowner's. Policy 2166 01:46:19.720 --> 01:46:24.800 at this very, second every single ONE i have is through. 2167 01:46:24.960 --> 01:46:29.159 You there has been a time WHERE i HAD i 2168 01:46:29.279 --> 01:46:32.800 think it was mutual liberty or liberty mutual or. Something 2169 01:46:33.239 --> 01:46:37.199 at one point you couldn't beat something AND i had 2170 01:46:37.239 --> 01:46:40.840 a different. One SO i did, shop AND i do, 2171 01:46:41.079 --> 01:46:43.600 Shop there's no doubt about. That but you shopped the 2172 01:46:43.720 --> 01:46:48.359 majority of them for. Me now saying THAT i shopped 2173 01:46:48.399 --> 01:46:51.239 you for my son In, nebraska and you were the 2174 01:46:51.319 --> 01:46:53.840 first one to tell, ME i do not like these. Rates, 2175 01:46:53.920 --> 01:46:56.239 MARK i don't know what's going on in that town 2176 01:46:56.399 --> 01:46:58.720 or that area of the country because you don't really 2177 01:46:58.800 --> 01:47:02.119 specialize In. Nebrassa you can quote some, stuff but not. 2178 01:47:02.279 --> 01:47:06.640 Everything and in the bottom line Was State farm had 2179 01:47:06.800 --> 01:47:09.760 better coverage than what you could. Offer who was the 2180 01:47:09.840 --> 01:47:10.680 one you sent? 2181 01:47:10.760 --> 01:47:11.920 Me you mean All? 2182 01:47:12.000 --> 01:47:12.600 STATE i, think? 2183 01:47:12.760 --> 01:47:13.399 Right or All? 2184 01:47:13.520 --> 01:47:15.800 STATE i don't, remember if honest To, GOD i don't 2185 01:47:15.800 --> 01:47:18.920 remember if It's State farm or All. STATE i just don't. 2186 01:47:18.960 --> 01:47:23.079 REMEMBER i, yeah in the certain areas Obviously. Colorado we 2187 01:47:23.159 --> 01:47:26.760 have a lot of companies in In. Nebraska we HAD 2188 01:47:27.079 --> 01:47:29.960 i told, you like three, carriers WELL i could quote 2189 01:47:30.079 --> 01:47:32.680 compared to. Twenty, yeah the rate came back With Stafe 2190 01:47:32.720 --> 01:47:35.880 CO i think Or, travelers one of the, two and 2191 01:47:35.960 --> 01:47:38.359 it was really. High SO i told, you, look get 2192 01:47:38.399 --> 01:47:40.880 an agent that's in the area there exactly they might 2193 01:47:41.279 --> 01:47:42.359 feel to offer you something. 2194 01:47:42.399 --> 01:47:45.000 Different, well and funny, ENOUGH i got a broker like 2195 01:47:45.119 --> 01:47:48.600 you in the area and they couldn't even beat yours 2196 01:47:48.680 --> 01:47:51.319 from out of. State so that's When i'm just. Crazy 2197 01:47:51.520 --> 01:47:54.159 that's WHAT i called All state And State, farm and 2198 01:47:54.359 --> 01:47:56.560 one of, Them i'm so, SORRY i. FORGET i really 2199 01:47:56.600 --> 01:47:59.359 do think It's State farm just kicked a crap out 2200 01:47:59.399 --> 01:48:01.279 of all of. THEM i, mean they must do a 2201 01:48:01.359 --> 01:48:04.159 ton of that rural kind of community, business. 2202 01:48:04.239 --> 01:48:07.359 Right, right, yeah very well. Good, Yeah and when you 2203 01:48:07.479 --> 01:48:09.840 run into a situation where just the rate to seem, 2204 01:48:10.000 --> 01:48:13.439 exorbitant you know it's. FAIR i, MEAN i have SOMEONE 2205 01:48:13.520 --> 01:48:16.359 i was working with just recently that it was a 2206 01:48:16.479 --> 01:48:18.720 home that got non renewed in the middle of, nowhere 2207 01:48:19.159 --> 01:48:22.239 And i'm looking, everywhere AND i ended up Calling State 2208 01:48:22.319 --> 01:48:23.840 farm to see IF i could get a quote from, 2209 01:48:23.920 --> 01:48:27.880 him just to help this person. OUT i, did but 2210 01:48:28.159 --> 01:48:30.359 it ended up THAT i found a better option going. 2211 01:48:30.439 --> 01:48:32.560 Eccess But i'm with, YOU i am just trying to 2212 01:48:32.640 --> 01:48:33.680 find whatever is the best. 2213 01:48:33.680 --> 01:48:36.439 Sellers, NOW i will say, this AND i Told mickey, 2214 01:48:36.560 --> 01:48:39.239 this one of the ones we get more complaints on 2215 01:48:39.399 --> 01:48:42.199 than any other company THAT i can think of when 2216 01:48:42.239 --> 01:48:45.199 it comes to car insurance is Fred. LAYER i have 2217 01:48:45.439 --> 01:48:48.399 heard from people that have Fred loya and people that 2218 01:48:48.560 --> 01:48:51.159 had been hit by someone that Has Fred, loya AND 2219 01:48:51.479 --> 01:48:54.439 i have never heard so many nightmare stories and they're. 2220 01:48:54.560 --> 01:49:00.840 Constant they seem to like just totally just neglect. Everybody so, therefore, like, 2221 01:49:00.960 --> 01:49:02.920 hey if we don't see it or hear about it 2222 01:49:03.399 --> 01:49:05.199 or call you, back there must not have been a. 2223 01:49:05.279 --> 01:49:07.760 PROBLEM i mean to, me that's how they. Operate but 2224 01:49:07.920 --> 01:49:12.880 that's my. Opinion but what companies do you think? Suck 2225 01:49:12.960 --> 01:49:14.159 i'll just put it that, WAY. 2226 01:49:16.119 --> 01:49:18.039 I will, Say AND i don't know IF i would 2227 01:49:18.039 --> 01:49:21.640 be quite as as crass as saying, suck BECAUSE i 2228 01:49:21.680 --> 01:49:24.680 don't know if that would be the. Descriptive but to your, 2229 01:49:24.760 --> 01:49:27.199 point the ones that we seem to have a lot 2230 01:49:27.279 --> 01:49:30.640 of issues, WITH i do think Fred loya is way up. 2231 01:49:30.680 --> 01:49:33.720 There and really it's if you think of Fred, loya 2232 01:49:33.800 --> 01:49:37.039 they really do specialize in more of the high risk type. 2233 01:49:36.800 --> 01:49:39.680 Of oh these are people that have had not all of, 2234 01:49:39.800 --> 01:49:42.159 them don't get me, wrong but these are people that 2235 01:49:42.439 --> 01:49:45.199 have to HAVE sr twenty two. S they might have multiple, 2236 01:49:45.319 --> 01:49:49.399 duys they might have one of those blow meters that 2237 01:49:49.520 --> 01:49:52.000 are in your, car whatever they're. CALLED i, mean they 2238 01:49:52.079 --> 01:49:55.039 are they're high risk, people, Right so. 2239 01:49:55.079 --> 01:49:57.600 You're naturally going to have some more. Issues it's going 2240 01:49:57.680 --> 01:50:00.439 to be lower coverages because they're not people just trying 2241 01:50:00.439 --> 01:50:02.880 to afford it at that. Point so you're going to 2242 01:50:02.920 --> 01:50:06.880 see that it's a very scale down. Policy and in all, 2243 01:50:06.960 --> 01:50:10.000 honesty most of the problems not, all but most of 2244 01:50:10.000 --> 01:50:12.760 the PROBLEMS i get involved with from the show there 2245 01:50:13.479 --> 01:50:16.319 is because it's not a good. Policy in other, words 2246 01:50:16.840 --> 01:50:20.319 that's not Good countries urchased, endorsements they haven't and you 2247 01:50:20.399 --> 01:50:22.319 know they've done what they could to keep the price. 2248 01:50:22.479 --> 01:50:24.600 Down but then when you have a, loss you have 2249 01:50:24.800 --> 01:50:27.279 to understand that there's going to be more exclusions on 2250 01:50:27.359 --> 01:50:30.720 those type of. Policies so to, me if people want, 2251 01:50:30.800 --> 01:50:33.319 That I'm i'm totally open to. THAT i just want 2252 01:50:33.399 --> 01:50:34.960 to make sure they understand what they. 2253 01:50:35.159 --> 01:50:38.000 Have so the general is another. One but going back 2254 01:50:38.039 --> 01:50:39.880 to your, point and Then, Mickey i'll let you ask, 2255 01:50:40.000 --> 01:50:43.000 questions BUT i hope you're learning from this conversation to 2256 01:50:43.479 --> 01:50:47.880 make you like everybody. Listening but the other thing what baffles, Me, 2257 01:50:48.039 --> 01:50:50.239 brian and we've talked about it when you're here on the, 2258 01:50:50.319 --> 01:50:54.199 show is when it comes to uninsured and no insured 2259 01:50:54.359 --> 01:50:58.119 insurance for yourself. PEOPLE i know people that at one 2260 01:50:58.199 --> 01:51:02.560 point had liability in share and of say two hundred 2261 01:51:02.600 --> 01:51:06.119 and fifty thousand, dollars that's a lot of liability insurance 2262 01:51:06.159 --> 01:51:09.560 for a lot of, people and that would cover most people's. 2263 01:51:09.640 --> 01:51:12.000 Assets that's just the way it. Is not everybody's but 2264 01:51:12.079 --> 01:51:14.479 a lot of, people's so you might not need any 2265 01:51:14.560 --> 01:51:17.399 more insurance in. That but in the same, breath they 2266 01:51:17.439 --> 01:51:22.039 don't have any uninsured or, underinsured so they're insuring everybody 2267 01:51:22.119 --> 01:51:25.239 else out on the road in case they do something. 2268 01:51:25.319 --> 01:51:28.560 Wrong they're helping everybody else. Out but if somebody and 2269 01:51:28.680 --> 01:51:30.720 in the state Of, COLORADO i think it's like over 2270 01:51:30.880 --> 01:51:34.720 forty percent have the lowest coverage or no, coverage if 2271 01:51:34.920 --> 01:51:37.800 those people hit, you you didn't spend a few extra 2272 01:51:38.000 --> 01:51:41.880 bucks to actually insure, yourself so you get the same 2273 01:51:41.960 --> 01:51:42.960 thing as if you hit. 2274 01:51:43.079 --> 01:51:47.079 Somebody Absolutely And i'll tell you two of the carriers 2275 01:51:47.119 --> 01:51:50.359 THAT i see this most common with is one Estate 2276 01:51:50.439 --> 01:51:52.600 farms AND i don't understand. It IT'S i don't know 2277 01:51:52.640 --> 01:51:55.399 if it's just an. Attempt it's sneaky right, down it's, 2278 01:51:55.439 --> 01:51:59.119 sneaky but it's crazy to do. It you want to 2279 01:51:59.159 --> 01:52:01.520 at least match or uninsured motors to your bottle of the. 2280 01:52:01.560 --> 01:52:04.520 Injury but the other ONE i see all the time Is, 2281 01:52:04.720 --> 01:52:08.239 geico and that's because people do it themselves and they 2282 01:52:08.319 --> 01:52:10.359 see that it lowers the, rate but they don't really 2283 01:52:10.439 --> 01:52:13.560 understand what it's. Doing but, you're, ultimately like you, said 2284 01:52:13.640 --> 01:52:15.680 covering yourself for less than you're covering other. 2285 01:52:15.760 --> 01:52:16.319 People it's. 2286 01:52:16.399 --> 01:52:19.880 Ridiculous we have had so many calls where people their 2287 01:52:20.000 --> 01:52:22.840 lives are, changed at least for the short, term like 2288 01:52:22.960 --> 01:52:25.000 a year or. Two they can't, work they can't do, 2289 01:52:25.119 --> 01:52:28.359 anything and the only thing they get is twenty five thousand. 2290 01:52:28.399 --> 01:52:33.000 Dollars there's, zero, Right, So, Mickey, mickey hearing all of, 2291 01:52:33.159 --> 01:52:36.079 this what questions do you have For? Brian this guy 2292 01:52:36.199 --> 01:52:37.479 lives and breathes insurance. 2293 01:52:37.520 --> 01:52:45.319 Companies, okay my current insurance company Is. Travelers. Oh the 2294 01:52:45.439 --> 01:52:49.119 Thing i'm concerned about most is the quality of the, 2295 01:52:49.199 --> 01:52:52.960 insurance not necessarily the. Price IF i get the chiefs 2296 01:52:53.039 --> 01:52:57.399 price AND i have a claim AND i have to 2297 01:52:57.520 --> 01:53:01.119 jump to ten or twelve different hoops worth. It so 2298 01:53:01.319 --> 01:53:04.439 you know what, companies if you have a, list are 2299 01:53:04.720 --> 01:53:09.039 quality companies THAT i can rely on and then compare 2300 01:53:09.199 --> 01:53:10.319 prices with those. 2301 01:53:10.640 --> 01:53:13.880 Well, Brian, BRIAN i, Promise i'll let you talk a. 2302 01:53:13.960 --> 01:53:17.199 Lot But, mickey just a couple of things for people. Listening, 2303 01:53:17.720 --> 01:53:21.319 one it's not necessarily the cost of. Insurance you have 2304 01:53:21.520 --> 01:53:24.119 to compare the insurance, itself AND i think you're kind 2305 01:53:24.159 --> 01:53:27.199 of going, There but you might be under insured on your. 2306 01:53:27.239 --> 01:53:30.560 House for, example like ninety five or ninety eight percent 2307 01:53:30.600 --> 01:53:33.640 of the people In boulder were when we had Those boulder, 2308 01:53:33.720 --> 01:53:37.119 fires ninety eight percent were under. Insured they couldn't even 2309 01:53:37.199 --> 01:53:40.079 rebuild their house with the insurance money because it wouldn't 2310 01:53:40.079 --> 01:53:42.319 even cover, it and they were still paying a mortgage 2311 01:53:42.560 --> 01:53:45.439 on a burned down. House so having the proper coverage 2312 01:53:45.520 --> 01:53:49.439 is number. One and Then brian can search TWENTY i 2313 01:53:49.479 --> 01:53:52.479 don't know how, Many, brian and make sure not only 2314 01:53:52.560 --> 01:53:55.319 do you have the proper, Coverage, mickey and you really 2315 01:53:55.439 --> 01:53:57.680 need to talk to somebody if it's Not, brian and 2316 01:53:57.800 --> 01:54:00.359 you don't know what that proper coverage. Is that's the 2317 01:54:00.439 --> 01:54:03.760 most important. Part then after that you start looking at. 2318 01:54:03.840 --> 01:54:05.600 Price But, brian go, Ahead. 2319 01:54:06.159 --> 01:54:09.800 Yeah, NO i agree with. YOU i think the biggest, 2320 01:54:09.920 --> 01:54:11.880 deal LIKE i just, mentioned is to make sure you 2321 01:54:12.000 --> 01:54:14.640 have the right coverages on your, policy that you're working 2322 01:54:14.680 --> 01:54:16.520 with someone that they can actually explain it to. You 2323 01:54:17.199 --> 01:54:20.880 with that, said there are carriers that are easier to 2324 01:54:20.920 --> 01:54:23.239 work with when there's a claim a huge there's NO i, 2325 01:54:23.319 --> 01:54:25.880 mean you could talk to An excel roofing and they 2326 01:54:25.880 --> 01:54:29.720 would tell you. THAT i would say to, Me travelers is. 2327 01:54:29.840 --> 01:54:33.840 Fantastic by the. Way they always get good reviews as 2328 01:54:33.920 --> 01:54:35.960 far as FROM Jd powers and all that kind of. 2329 01:54:36.000 --> 01:54:39.079 Stuff But i'll tell you my Favorite carr CARRIER i 2330 01:54:39.279 --> 01:54:41.359 never have issues with when there's a claim as a 2331 01:54:41.399 --> 01:54:46.119 company Called. Acuity they are not always the, cheapest but, 2332 01:54:46.359 --> 01:54:48.920 man when they, pay they're one of the only CARRIERS 2333 01:54:48.960 --> 01:54:50.720 i know that if there's a roof, claim they just 2334 01:54:50.800 --> 01:54:51.439 pay the entire. 2335 01:54:51.479 --> 01:54:53.079 Amount they don't have no corners. 2336 01:54:53.159 --> 01:54:54.800 Cut, yeah they just pay. 2337 01:54:54.840 --> 01:54:56.720 It and then they just tell you go do. 2338 01:54:56.800 --> 01:54:58.479 It if you end up having a bigger bill than, 2339 01:54:58.520 --> 01:55:00.199 that send it to. Them they'll pay. It they just 2340 01:55:00.439 --> 01:55:04.680 they pay so quickly and without. Problem another carrier is, 2341 01:55:04.760 --> 01:55:07.600 Pure but again that's kind of a high value. Carrier 2342 01:55:07.680 --> 01:55:09.199 they do the same kind of, thing but you have to, 2343 01:55:09.279 --> 01:55:13.279 have you, know a bigger dwelling. Amount BUT i would 2344 01:55:13.359 --> 01:55:16.760 tell You travelers truly is in that top echelon of 2345 01:55:16.840 --> 01:55:19.520 carriers as far as just companies to deal with when 2346 01:55:19.560 --> 01:55:19.800 there's a. 2347 01:55:19.840 --> 01:55:23.319 Claim, okay that's WHAT I i was curious. 2348 01:55:23.359 --> 01:55:25.439 About so you have answered the, question. 2349 01:55:25.439 --> 01:55:27.560 And you, Should, mickey, Honestly And i'm going to put 2350 01:55:27.600 --> 01:55:29.760 you on holding Lock brian, in But, mickey you really. 2351 01:55:29.840 --> 01:55:32.920 Should if you haven't shopped in a, while just there's 2352 01:55:33.000 --> 01:55:35.199 nothing to, lose you call Up compass and they'll tell 2353 01:55:35.239 --> 01:55:37.640 you if you have the proper coverage and in your, 2354 01:55:37.760 --> 01:55:40.720 case that's probably The Newmroe luno right. There and then 2355 01:55:40.960 --> 01:55:44.039 depending on if you Have travelers for car. Insurance if 2356 01:55:44.119 --> 01:55:47.039 you didn't, Bundle, brian it seems like bundling with all these. 2357 01:55:47.119 --> 01:55:49.760 COMPANIES i, mean that's how you actually save money if 2358 01:55:49.800 --> 01:55:52.079 you if you don't, BUNDLE i mean these guys you're 2359 01:55:52.119 --> 01:55:53.760 twenty thirty percent high or all of. 2360 01:55:53.880 --> 01:55:55.319 Them, yeah you. 2361 01:55:55.399 --> 01:55:59.439 Almost always are rewarded to bundle the package. Together there's 2362 01:55:59.560 --> 01:56:01.920 there's cer certain times where it doesn't make, sense but, 2363 01:56:02.000 --> 01:56:03.399 yes you're, right it almost always. 2364 01:56:03.479 --> 01:56:05.279 Does and then the other THING i want to give 2365 01:56:05.319 --> 01:56:08.920 out for listeners is listen to this renders. Insurance my, 2366 01:56:09.119 --> 01:56:12.000 GOD i forced our kids to have renders. INSURANCE i, 2367 01:56:12.039 --> 01:56:13.359 said you're going to buy it and show me the. 2368 01:56:13.399 --> 01:56:16.840 POLICY i don't care what the landlord. Says renners insurance is, 2369 01:56:17.000 --> 01:56:19.840 massive not only for the liability but for your own. 2370 01:56:20.000 --> 01:56:24.159 Contents and my, God, BRIAN i Think adeline's renders policy 2371 01:56:24.399 --> 01:56:29.000 was seventy dollars a. Year you got her seventy dollars a, 2372 01:56:29.119 --> 01:56:31.479 year and it covers up to you, know way more 2373 01:56:31.560 --> 01:56:34.479 than what her crap's, worth you, Know, yeah and it. 2374 01:56:34.479 --> 01:56:36.199 Gives you the, liability which is what you really. 2375 01:56:36.279 --> 01:56:40.359 Want, well, yeah you accidentally set your neighbor's wall on 2376 01:56:40.600 --> 01:56:43.279 fire or something that, boom you're not paying for. It 2377 01:56:43.399 --> 01:56:47.640 the liability insurance is, there right? Yep hold, On, brian 2378 01:56:47.720 --> 01:56:49.720 do me a. Favor hold, ON i got someone asking 2379 01:56:49.760 --> 01:56:52.720 another question on. Insurance BUT i am so far back 2380 01:56:52.760 --> 01:56:56.079 on this break dragging literally AND i mean, literally just 2381 01:56:56.199 --> 01:56:57.119 threw a grenade at. 2382 01:56:57.199 --> 01:57:05.079 Me go with a sure Thing denver's best Roofer excel 2383 01:57:05.199 --> 01:57:07.800 roofing dot. Com you don't pay a cent until you're 2384 01:57:07.880 --> 01:57:14.079 content than time for an insurance checkup, free no obligation 2385 01:57:14.239 --> 01:57:18.119 comparison Call Compass. Insurance paint too much your coverage at 2386 01:57:18.159 --> 01:57:20.880 dozens of insurance companies find Out now THREE o, three 2387 01:57:21.039 --> 01:57:23.159 seven to seven to one. Help you'll think you're his 2388 01:57:23.359 --> 01:57:25.920 only customer when you Choose frank durand the real estate 2389 01:57:26.000 --> 01:57:29.239 man Dot com to list your home With Remax alliance 2390 01:57:29.479 --> 01:57:31.920 three oh three nine two zero sixteen twenty Two. 2391 01:57:34.000 --> 01:57:35.720 Genesis Total Exterior. 2392 01:57:36.000 --> 01:57:40.079 MAN i Love Mark. Schamansky he's the. Owner and by the, 2393 01:57:40.119 --> 01:57:43.000 way that's A. Genesis like as in the, beginning this 2394 01:57:43.159 --> 01:57:45.279 guy has done so much work at our. House it's. 2395 01:57:45.359 --> 01:57:48.279 Remarkable in, fact they just finished. Up, suzanne what do 2396 01:57:48.319 --> 01:57:49.399 you think of the paint job? 2397 01:57:49.479 --> 01:57:51.840 INSIDE i just love, It, Mark it's beautiful and the 2398 01:57:51.920 --> 01:57:52.319 paint is. 2399 01:57:52.399 --> 01:57:54.800 Wonderful and how about the experts say send? Out you 2400 01:57:54.920 --> 01:57:56.159 spent like an hour with? 2401 01:57:56.319 --> 01:57:58.720 Her, yeah two, hours and it was so. 2402 01:57:58.960 --> 01:58:02.239 Nice this all this color and this room took. 2403 01:58:02.159 --> 01:58:06.439 Everything in our house into consideration in helping me with the. 2404 01:58:06.560 --> 01:58:09.199 Colors and then the final. Job it took them about a. 2405 01:58:09.279 --> 01:58:12.199 Week we literally had the entire house the interior, painted 2406 01:58:12.439 --> 01:58:15.199 and they did the exterior of our house three or 2407 01:58:15.239 --> 01:58:18.199 four years. Ago looks, gorgeous and you were actually just 2408 01:58:18.920 --> 01:58:22.319 to touch on. That IF i, recall you wanted to, 2409 01:58:22.399 --> 01:58:23.760 paint AND i bet a lot of people do this 2410 01:58:23.920 --> 01:58:26.279 after a halstorm the exact same color our house. 2411 01:58:26.520 --> 01:58:28.960 Was well, yeah so not to get too long, winded 2412 01:58:29.039 --> 01:58:30.840 but when we lived In Castle rock and built that, 2413 01:58:30.960 --> 01:58:33.279 HOUSE i really wanted a yellow house and you did. 2414 01:58:33.359 --> 01:58:35.760 Not so when we moved Into franktown that was already, 2415 01:58:35.760 --> 01:58:39.359 built it was, yellowish AND i wanted just the same 2416 01:58:39.479 --> 01:58:41.039 color BECAUSE i loved it so much. 2417 01:58:41.000 --> 01:58:43.680 Till the Color lady came. Out that's. Right that sounds screwed, 2418 01:58:43.760 --> 01:58:46.199 up does? It until the Color lady? Come, okay well 2419 01:58:46.239 --> 01:58:49.680 people know WHAT i. Meant but, anyhow it's. Great they come, out. 2420 01:58:49.600 --> 01:58:52.600 The sultant came, out AND i just. AP i love 2421 01:58:52.680 --> 01:58:55.319 it more THAN i would have ever loved the. 2422 01:58:55.399 --> 01:58:57.319 Yellow and here's the other, Thing mark in the gang 2423 01:58:57.399 --> 01:59:01.479 do anything. EXTERIORS i mean they do. Dietings they're pricing on. 2424 01:59:01.600 --> 01:59:04.359 Stucco it'll amaze you how cheap they. Are but right, 2425 01:59:04.439 --> 01:59:09.000 now dex, gazebos anything like. That check Out, genesis tootal 2426 01:59:09.079 --> 01:59:11.960 exteriors dot. Com you're gonna Love. Mark you're gonna love them. 2427 01:59:11.960 --> 01:59:14.199 Effect the painters that did our, house listen to. This 2428 01:59:14.359 --> 01:59:16.960 they've been With mark in the gang for twenty. Years 2429 01:59:17.079 --> 01:59:22.399 Genesis Total. Exteriors NOW i. Digress i'm gonna go to 2430 01:59:22.520 --> 01:59:25.000 this one. Call then we're gonna talk solar because people 2431 01:59:25.119 --> 01:59:27.479 have to know how to get a free or possibly 2432 01:59:27.560 --> 01:59:31.600 a free commercial. System but real, Quick, mike what is 2433 01:59:31.720 --> 01:59:36.720 your question on car? Insurance, Hey, MARK i was shopping 2434 01:59:36.800 --> 01:59:41.399 insurance AND i had also tell me that for uninsured motorist. 2435 01:59:41.000 --> 01:59:42.720 Coverage you have to buy it per. 2436 01:59:42.840 --> 01:59:44.319 Car In, colorado it doesn't. 2437 01:59:44.359 --> 01:59:46.920 Stack but Then State farm told me that you can 2438 01:59:47.039 --> 01:59:48.800 just have it on one car and apply to all 2439 01:59:48.920 --> 01:59:51.319 vehicles on your. Account so one of them's. Lying i'm 2440 01:59:51.319 --> 01:59:52.359 trying to figure out which, one. 2441 01:59:52.359 --> 01:59:54.960 Right, Yeah Hey, BRIAN i Mean i'm trying to. THINK 2442 01:59:55.079 --> 01:59:57.880 i haven't looked at my deck page in a, while 2443 01:59:58.039 --> 02:00:02.479 BUT i THINK i thought my deck. PAGE i Have safeco, right. 2444 02:00:03.560 --> 02:00:03.800 You, do? 2445 02:00:04.159 --> 02:00:08.000 Yep and isn't it on each? Vehicle, no it's a policy. 2446 02:00:08.079 --> 02:00:11.960 Total and to answer your question on, that it used 2447 02:00:11.960 --> 02:00:14.439 to be on a per car. Basis but what ended 2448 02:00:14.479 --> 02:00:16.800 up happening is insurance heff and he's got sued because 2449 02:00:16.840 --> 02:00:20.159 that they were not allowing it to be, stacked in other, 2450 02:00:20.239 --> 02:00:23.439 words trying to get double the limit because you have 2451 02:00:23.520 --> 02:00:25.560 it on more than one. Car so what they, DID 2452 02:00:26.000 --> 02:00:28.720 i don't know any carriers that don't do it as 2453 02:00:28.720 --> 02:00:32.800 a a one amount over the entire. Policy now that's 2454 02:00:32.920 --> 02:00:35.760 just how every CARRIER i work with. Does it's just 2455 02:00:35.800 --> 02:00:39.880 a policy. Total it does change prices as you add, 2456 02:00:40.000 --> 02:00:42.960 vehicles but it doesn't go on to any one particular. 2457 02:00:43.079 --> 02:00:46.159 Vehicle and then how about like With safeco real, Quick, 2458 02:00:46.199 --> 02:00:50.760 brian's because we have five, vehicles doesn't that fifth vehicle 2459 02:00:50.880 --> 02:00:51.640 have its own Or? 2460 02:00:51.720 --> 02:00:55.560 No, no you can actually exclude, it you unasured motors 2461 02:00:55.640 --> 02:00:57.560 on the way that they do it on the fifth 2462 02:00:57.680 --> 02:01:00.680 because it's still a policy to, total and then you 2463 02:01:00.880 --> 02:01:05.279 just reference the other. Policy so, really really. 2464 02:01:05.079 --> 02:01:07.479 The reason the insurance companies do it this way is 2465 02:01:07.560 --> 02:01:11.560 to save their own, asses so they're not paying out, double, triple. Quadruple, 2466 02:01:11.640 --> 02:01:15.159 mike you got any other? Questions, no that's, perfect thank, You, 2467 02:01:15.560 --> 02:01:18.680 hey thanks. Man you, know insurance is, Crazy, brian no 2468 02:01:18.760 --> 02:01:22.640 matter how we look at, it it just constantly changes 2469 02:01:22.720 --> 02:01:25.520 all the. Time it. Does and people out there And 2470 02:01:25.560 --> 02:01:27.479 i'm going to say, this here's something we never hit 2471 02:01:27.560 --> 02:01:30.840 on With, brian even workman's comp if you own a construction, 2472 02:01:31.039 --> 02:01:35.039 company any kind of, liability, insurance. GARAGE i used to 2473 02:01:35.079 --> 02:01:38.319 Have goodyear stores and we had garage, keepers whatever that's 2474 02:01:38.359 --> 02:01:41.119 called in your. Industry these guys shop at. All they'll 2475 02:01:41.159 --> 02:01:42.800 save you a lot of. Money all you got to 2476 02:01:42.840 --> 02:01:46.199 do is go to Quote compass dot, com Quote compass 2477 02:01:46.239 --> 02:01:48.640 dot com or their phone. Numbers so. Easy, Hey, BRIAN 2478 02:01:48.680 --> 02:01:50.880 i appreciate you coming. On and, seriously if you want 2479 02:01:50.920 --> 02:01:53.119 to use that car for a few days we're, OUT 2480 02:01:53.600 --> 02:01:56.560 i think what the, fourth, fifth, Sixth, yeah you can use, It, 2481 02:01:57.319 --> 02:01:59.199 Brian i'm not Kiddingse. 2482 02:01:59.319 --> 02:01:59.800 MARK i don't. 2483 02:01:59.840 --> 02:02:02.479 Know, WELL i think you know it's A you might 2484 02:02:02.680 --> 02:02:05.800 like our house. Sitter our house sitters eighty four years. Old, 2485 02:02:07.239 --> 02:02:10.640 now actually she's a great. Woman we Love county, Anyhow, 2486 02:02:10.720 --> 02:02:13.520 BRIAN i do appreciate you coming on Quote compass dot. 2487 02:02:13.600 --> 02:02:15.479 Com if you haven't checked in a, while you have 2488 02:02:15.640 --> 02:02:18.520 to three oh three nine nine six nine. Thousand, Now, 2489 02:02:18.600 --> 02:02:21.840 BROOKE i want to talk about grants when it comes 2490 02:02:21.920 --> 02:02:25.319 to commercial. Systems we've talked about tax, credits but when 2491 02:02:25.359 --> 02:02:28.239 it comes to, solar if the big beautiful bill does 2492 02:02:28.359 --> 02:02:31.960 go through the residential tax credits will be. Gone, correct, 2493 02:02:32.600 --> 02:02:34.760 yep that it's, Correct but there's still going to be 2494 02:02:34.880 --> 02:02:36.279 commercial tax. Credits. 2495 02:02:36.600 --> 02:02:39.359 Yep commercial tax credits are good until twenty thirty. 2496 02:02:39.399 --> 02:02:42.000 Two guys to do a ton of commercial we do. 2497 02:02:42.199 --> 02:02:44.880 Yep and then if you have a nonprofit, business you 2498 02:02:45.039 --> 02:02:48.560 can get your tax credits as rebates up Until january 2499 02:02:48.680 --> 02:02:49.600 first of twenty twenty. 2500 02:02:49.680 --> 02:02:52.039 Seven, now you were telling me about a, Guy. Suzann 2501 02:02:52.199 --> 02:02:54.000 somebody on YouTube said something about. 2502 02:02:54.000 --> 02:02:54.600 Her what was it? 2503 02:02:55.239 --> 02:02:57.399 SET i will have to find the, comment but just 2504 02:02:57.439 --> 02:02:59.800 Said brooke was awesome to work, with couldn't wait to 2505 02:02:59.840 --> 02:03:01.760 get to system lit up and you. 2506 02:03:01.840 --> 02:03:02.880 Knew who it. Was who was? 2507 02:03:02.960 --> 02:03:04.399 It oh, Yeah Charlie, Crouch he's. 2508 02:03:04.399 --> 02:03:07.920 Awesome So charlie in his, example because we were talking about, 2509 02:03:07.960 --> 02:03:10.479 it asking you who he. Was so he had a 2510 02:03:10.600 --> 02:03:15.840 garage that's not, attached a detached, garage and you actually 2511 02:03:16.039 --> 02:03:19.199 set that up so he could benefit from tax. Credits 2512 02:03:19.680 --> 02:03:21.399 AND i don't know if he did grants or, not 2513 02:03:21.600 --> 02:03:25.600 but as a commercial because it wasn't attached to his, house, right. 2514 02:03:25.840 --> 02:03:28.079 Yep as long as it's not attached to the house, 2515 02:03:28.359 --> 02:03:31.239 itself you guys can qualify for a variety of. Things 2516 02:03:31.399 --> 02:03:33.960 So we've actually HAD reap grants work that same way 2517 02:03:34.000 --> 02:03:38.239 when they were still around last. Year so you can't 2518 02:03:38.479 --> 02:03:43.239 install solar panels for commercial purposes on a residential, house 2519 02:03:43.359 --> 02:03:43.840 even if. 2520 02:03:43.760 --> 02:03:45.880 You have like an office in the house or. Something 2521 02:03:45.960 --> 02:03:46.520 you just can't do. 2522 02:03:46.600 --> 02:03:48.600 It you just can't do. It but if you do 2523 02:03:48.800 --> 02:03:52.880 it on a detached, building then it's under different rules 2524 02:03:52.920 --> 02:03:54.039 and regulations and. 2525 02:03:54.119 --> 02:03:57.079 Then you can get to tax. Credits. Yep that's. Interesting 2526 02:03:57.199 --> 02:04:00.119 but he still sells power back to the. Grid everything out. 2527 02:04:00.279 --> 02:04:02.399 Is the, same it's netmeter the same way as a 2528 02:04:02.439 --> 02:04:03.479 residential kind of a. 2529 02:04:03.560 --> 02:04:06.600 LOOPHOLE i, mean, really you guys found a. Loophole, yeah all, 2530 02:04:06.680 --> 02:04:09.039 right hold, on there's another big loophole when it comes 2531 02:04:09.119 --> 02:04:12.439 to some Projects i'm going to talk about after, this 2532 02:04:12.840 --> 02:04:15.079 and some of that grant money still out, there right, 2533 02:04:15.439 --> 02:04:18.960 Yep and people can still get if everything works out 2534 02:04:19.000 --> 02:04:20.840 and you can talk to them about it and the 2535 02:04:20.960 --> 02:04:23.880 projects right in the right. Area, literally they can get 2536 02:04:23.960 --> 02:04:26.880 up to one hundred and twenty percent of the system paid. 2537 02:04:26.960 --> 02:04:29.840 For can you, imagine not only do you get a 2538 02:04:29.960 --> 02:04:34.399 free commercial solar system that's generating. Power maybe you own 2539 02:04:34.439 --> 02:04:38.079 a fourplex and these are your tenants and now you're 2540 02:04:38.279 --> 02:04:41.279 the elect now you're the electric. Company but you get 2541 02:04:41.359 --> 02:04:44.840 the system not only for no, money not only for no, 2542 02:04:45.039 --> 02:04:47.359 money but more than, that it's. 2543 02:04:47.479 --> 02:04:51.119 Crazy go with a sure Thing Denver's best Roofer Excel 2544 02:04:51.239 --> 02:04:51.840 roofing dot. 2545 02:04:51.920 --> 02:04:53.840 Com you don't pay a cent until you're. 2546 02:04:53.920 --> 02:05:00.000 Content time for an insurance check up, free no obligation 2547 02:05:00.279 --> 02:05:04.119 comparison Call Compass insurance paying too much your coverage at 2548 02:05:04.199 --> 02:05:06.880 dozens of insurance companies find out now three oh three 2549 02:05:07.039 --> 02:05:09.159 seven to seven to one. Help you'll think you're his 2550 02:05:09.359 --> 02:05:11.960 only customer when you Choose frank durand the real Estate 2551 02:05:12.039 --> 02:05:15.239 man dot com to list your home With Remax alliance 2552 02:05:15.520 --> 02:05:17.600 three oh three nine two zero sixteen twenty. 2553 02:05:17.640 --> 02:05:27.119 Two all, right three oh three seven one three eight 2554 02:05:27.159 --> 02:05:29.640 two five. Five, HEY i was talking To brook on 2555 02:05:29.760 --> 02:05:32.760 solar AND i want you to hang on. There who's 2556 02:05:32.800 --> 02:05:34.680 on the, Line, John please hang. On he's got an 2557 02:05:34.720 --> 02:05:37.760 issue with a. Contractor we're gonna help you, out, period, 2558 02:05:38.039 --> 02:05:39.840 right no matter what we gotta, do we're gonna help you. 2559 02:05:39.840 --> 02:05:42.600 Out But, BROOK i want you to explain with the 2560 02:05:42.720 --> 02:05:45.439 grants and how they, work how someone can get a 2561 02:05:45.600 --> 02:05:49.199 commercial solar system for. Free and Then i'm going to 2562 02:05:49.239 --> 02:05:51.239 put you on the. SPOT i want a real world 2563 02:05:51.359 --> 02:05:54.560 example of a caller that's taken advantage of, it that's 2564 02:05:54.600 --> 02:05:57.720 got the entire system paid for with tax credits and. 2565 02:05:57.760 --> 02:05:59.960 Grants so go, ahead, Yes. 2566 02:06:00.119 --> 02:06:04.079 So in order to the federal grants are gone right. Now, 2567 02:06:04.159 --> 02:06:06.479 Okay so the state grant is still, there which is 2568 02:06:06.520 --> 02:06:09.680 a micro gride grant or it's based on how well 2569 02:06:09.840 --> 02:06:13.520 you have like community input into what that solar system 2570 02:06:13.600 --> 02:06:15.359 is going to. Benefit that's what you have to do to. 2571 02:06:15.439 --> 02:06:17.520 Qualify so give an idea of what that would be 2572 02:06:17.640 --> 02:06:18.399 one of the ones you've. 2573 02:06:18.479 --> 02:06:18.640 Done. 2574 02:06:18.920 --> 02:06:21.039 Yeah, so LIKE i, said one of the folks that 2575 02:06:21.079 --> 02:06:24.000 we're talking to is A vfw and so that's A 2576 02:06:24.119 --> 02:06:27.680 Veterans Foreign wars area for them to hang out. In 2577 02:06:28.279 --> 02:06:30.439 so that's obviously got some community benefit to. 2578 02:06:30.560 --> 02:06:33.439 It so, OKAY i see the community benefit is exactly 2579 02:06:33.560 --> 02:06:36.439 that a community. Benefit if it was a big apartment, 2580 02:06:36.520 --> 02:06:38.920 complex could the community be the tenants or? 2581 02:06:39.000 --> 02:06:41.560 No, yeah exactly one hundred percent. Yep so if the 2582 02:06:42.000 --> 02:06:43.159 landlord Said i'm going to. 2583 02:06:43.159 --> 02:06:48.199 Give benefits, somebody somebody other than just, you exactly okay. 2584 02:06:48.479 --> 02:06:51.000 Yep and so with that, grant it's a matching, grant 2585 02:06:51.039 --> 02:06:52.880 which is really. Cool so what that means, is as 2586 02:06:53.000 --> 02:06:56.960 deposits are, required the state actually pays money into those 2587 02:06:57.039 --> 02:06:59.479 deposits at the same, time like what instead of having 2588 02:06:59.520 --> 02:07:02.079 to do a re, imbursement which was what THE reap grant, Was. 2589 02:07:02.399 --> 02:07:04.800 Oh where you would spend your own money then you'd 2590 02:07:04.880 --> 02:07:07.399 get the money back. Exactly so on this, one so 2591 02:07:07.560 --> 02:07:10.000 it's a fifty to fifty. Deal in other, words IF 2592 02:07:10.079 --> 02:07:12.319 i put in a, thousand they're putting in one, thousand 2593 02:07:12.920 --> 02:07:14.560 twenty twenty thousand. 2594 02:07:14.840 --> 02:07:15.680 Exactly that's. 2595 02:07:15.800 --> 02:07:18.720 Cool, yeah Very really that helps your cash flow. 2596 02:07:18.800 --> 02:07:19.720 Too, oh it's a. 2597 02:07:19.800 --> 02:07:21.960 Huge benefit the way that they're doing it and the 2598 02:07:22.000 --> 02:07:23.000 way that they're administering. 2599 02:07:23.079 --> 02:07:23.119 It. 2600 02:07:23.239 --> 02:07:23.439 Yep. 2601 02:07:23.479 --> 02:07:26.239 Absolutely take THE vfw for an, example how much do 2602 02:07:26.279 --> 02:07:28.399 you think that system would be done? 2603 02:07:29.000 --> 02:07:32.920 Gross uh for that specific, system it's right around one hundred, 2604 02:07:32.960 --> 02:07:35.399 thousand which is kind of nice for the example you're asking. 2605 02:07:35.439 --> 02:07:38.359 About, yeah so one hundred. Thousand what do you think 2606 02:07:38.560 --> 02:07:40.800 they're going to end up out of pocket when it's 2607 02:07:40.880 --> 02:07:43.880 all said and done with tax credits and the state. Grant. 2608 02:07:44.760 --> 02:07:49.520 Yeah, Absolutely so THE vfw gets some additional benefits because 2609 02:07:49.520 --> 02:07:55.319 it is helping that specific. Demographic so they have seventy 2610 02:07:55.399 --> 02:08:00.880 thousand dollars of that project is covered by tax benefits out. 2611 02:08:00.760 --> 02:08:03.119 Of one hundred thousand and seventy are covered. 2612 02:08:03.239 --> 02:08:06.640 Yep and then that project's, small so they're not getting 2613 02:08:06.760 --> 02:08:09.359 half covered by the, grant only twenty five percent covered 2614 02:08:09.359 --> 02:08:11.800 by the. Grant so of one hundred thousand dollars, project 2615 02:08:12.000 --> 02:08:13.640 they're going to pay five grand of. 2616 02:08:13.680 --> 02:08:17.039 It and if someone did have a large apartment complex 2617 02:08:17.159 --> 02:08:19.199 like we're looking at over here or something out, there 2618 02:08:19.760 --> 02:08:21.920 and let's say one hundred, units and they wanted to 2619 02:08:21.960 --> 02:08:25.119 build a system that would generate power for their one hundred, 2620 02:08:25.159 --> 02:08:28.520 tenants that's a big system. Yep so that kind of 2621 02:08:28.640 --> 02:08:31.640 system Just i'm totally making numbers. Up but let's say 2622 02:08:31.640 --> 02:08:34.680 it's a million how much could they possibly get covered 2623 02:08:34.720 --> 02:08:38.039 tax credits grants on a million dollar system like that 2624 02:08:38.199 --> 02:08:39.760 in the right. Area, yeah so. 2625 02:08:39.880 --> 02:08:43.000 If they're benefiting low, income then they can actually make 2626 02:08:43.159 --> 02:08:46.159 twenty five percent of the. Project so again if the project. 2627 02:08:45.880 --> 02:08:48.159 Wait a, Minute so if they're Taking section eight or 2628 02:08:48.279 --> 02:08:51.119 Whatever section eight is, now or wherever they, live what it, 2629 02:08:51.279 --> 02:08:55.720 is any kind of any kind of, Assistance if they're 2630 02:08:56.000 --> 02:08:59.079 taking people like, that they could get not only the 2631 02:08:59.359 --> 02:09:02.800 entire system them paid, for but put twenty five percent 2632 02:09:02.880 --> 02:09:04.199 of the value in their. Pocket. 2633 02:09:04.840 --> 02:09:07.000 Yep, absolutely that seems so crazy to. 2634 02:09:07.079 --> 02:09:07.119 Me. 2635 02:09:07.359 --> 02:09:10.720 Yep if it's not a would the same go for 2636 02:09:10.800 --> 02:09:13.000 a little four plex if the landlord's taken. 2637 02:09:13.039 --> 02:09:16.359 Assistance, no because the four plex doesn't qualify for as 2638 02:09:16.439 --> 02:09:19.199 much of the. Grant so the system has to be 2639 02:09:19.560 --> 02:09:22.800 a certain size to get fifty, percent got. It if 2640 02:09:22.800 --> 02:09:24.800 it's too, small then it's just twenty five, percent which 2641 02:09:24.880 --> 02:09:27.000 is still. GREAT i mean twenty five percent of a. 2642 02:09:27.079 --> 02:09:28.520 Project that's somebody else's. 2643 02:09:28.560 --> 02:09:31.520 Money if you think of a, fourplex because now going, 2644 02:09:31.680 --> 02:09:35.720 forward you're selling energy to your tenants instead of them 2645 02:09:35.760 --> 02:09:38.600 Paying excel or whomever it. Is so you might only 2646 02:09:38.640 --> 02:09:41.000 get seventy percent of it paid, for which is funny 2647 02:09:41.039 --> 02:09:43.920 to say that only seventy. Percent but you can charge 2648 02:09:43.960 --> 02:09:47.199 electricity going forward on that four, Plex, yeah. Exactly and 2649 02:09:47.279 --> 02:09:50.399 then when you sell the, building the equity built in 2650 02:09:50.479 --> 02:09:52.800 it because you've got a solar system and you're an 2651 02:09:52.840 --> 02:09:55.479 electric company to whoever buys it for the. Tenants. 2652 02:09:56.000 --> 02:09:58.479 Yeah so the lowest amount if they qualify for the 2653 02:09:58.520 --> 02:10:00.760 grant that they'll pay again on a hundred thousand dollars 2654 02:10:00.800 --> 02:10:03.279 project would be sixteen grand of one hundred. 2655 02:10:03.319 --> 02:10:04.000 Thousand that's. 2656 02:10:04.039 --> 02:10:07.039 Incredible that's, it and then they're the power, company and 2657 02:10:07.119 --> 02:10:07.880 that's your worst case. 2658 02:10:07.920 --> 02:10:09.319 Scenario it only goes up from. 2659 02:10:09.359 --> 02:10:12.000 There what's the one up in the cripple creek you're dealing. 2660 02:10:12.079 --> 02:10:14.560 With they had a bunch of land cripple creeks unique 2661 02:10:14.880 --> 02:10:16.760 because it's up in the mountains and they don't have 2662 02:10:16.960 --> 02:10:21.880 enough power off the. Grid so those, PEOPLE i realize 2663 02:10:21.920 --> 02:10:24.399 they're leasing it. Out and there's other, stuff but let's 2664 02:10:24.520 --> 02:10:27.600 just talk about solar. System will most of that system 2665 02:10:27.680 --> 02:10:31.119 be paid for one hundred? Percent if they receive. 2666 02:10:30.920 --> 02:10:34.199 The, grant which that great application has already gone, through 2667 02:10:34.520 --> 02:10:37.760 then they're going to make two point two million dollars 2668 02:10:37.840 --> 02:10:38.439 off of doing the. 2669 02:10:38.479 --> 02:10:42.199 Project that's. Incredible and then awesome that's the landowners. 2670 02:10:41.800 --> 02:10:45.960 That's just making it from building, it not talking about 2671 02:10:46.079 --> 02:10:47.600 their income from the. 2672 02:10:47.720 --> 02:10:51.119 Production it's absolutely. Incredible, listen she's going to answer all the. 2673 02:10:51.239 --> 02:10:54.039 Questions brooke has been on this show so many. Times 2674 02:10:54.119 --> 02:10:56.760 we have so many listeners when it comes to commercial 2675 02:10:56.880 --> 02:11:00.640 systems and residential people out. There, listen if that company 2676 02:11:00.680 --> 02:11:03.119 you dealt with ten years ago is gone and your 2677 02:11:03.199 --> 02:11:06.439 solar system isn't, working they can fix. It in, fact 2678 02:11:06.560 --> 02:11:09.399 if the panels or a part of it is still under, 2679 02:11:09.439 --> 02:11:12.600 warranty they'll get the manufacturer to warranty the part and 2680 02:11:12.680 --> 02:11:15.159 you'll just pay some of the. Labor, then on top of, 2681 02:11:15.279 --> 02:11:17.680 that if you want to add a battery backup to 2682 02:11:17.800 --> 02:11:20.840 an existing system or an off grid system that might 2683 02:11:20.880 --> 02:11:23.760 have a generator tied to, it they do it all 2684 02:11:23.800 --> 02:11:26.399 and you do it all in. House. Yep, absolutely so 2685 02:11:26.560 --> 02:11:28.119 the people everybody works for. You. 2686 02:11:28.359 --> 02:11:30.319 Yeah the only people that don't work in house is 2687 02:11:30.359 --> 02:11:32.119 if it's a, generator the plumber to connect. 2688 02:11:32.159 --> 02:11:32.600 It, yeah of. 2689 02:11:32.640 --> 02:11:34.159 Course everything else, yep done in. 2690 02:11:34.239 --> 02:11:36.800 House, yeah the electrical, part you know what's you know what's, 2691 02:11:36.880 --> 02:11:39.399 oh the. Plumber so you're talking just the gas. Yep 2692 02:11:39.680 --> 02:11:44.880 you guys even have your own. Electricians. Unbelievable that's. It 2693 02:11:45.039 --> 02:11:48.359 it's Red rocks are as as in roofinsolar dot. Com 2694 02:11:48.600 --> 02:11:51.520 you got to check them out redrocksars dot. Com any 2695 02:11:51.640 --> 02:11:56.319 questions you, have any, repairs residential, systems tax, credit commercial, 2696 02:11:56.439 --> 02:11:59.239 systems you get the. Idea it's worth the phone. Call 2697 02:11:59.319 --> 02:12:01.199 if you have the problem, Property if you have the 2698 02:12:01.279 --> 02:12:04.399 property to build a solar array out, There i'm telling 2699 02:12:04.439 --> 02:12:06.680 you you might not only get it for, free but 2700 02:12:06.880 --> 02:12:08.239 you might get paid to own. 2701 02:12:08.319 --> 02:12:08.359 It