Speaker 1: Yea ripped of.
Speaker 2: News, need advice? Who you don't have the.
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Speaker 2: As fast as we can. Shooter's gonna help Come man,
Speaker 2: This is.
Speaker 4: The Troubleshooter Show. No Tom Martino, Hello.
Speaker 2: Tom Martino here, Welcome to the show. Three oh three
Speaker 2: seven one three talks seven one three eight two five five.
Speaker 2: We're here to help you solve problems, answer questions taking place,
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Speaker 2: Let's just give this number out three oh three eight
Speaker 2: six two five five five four. All right, now we
Speaker 2: have callers here, but we also have if you're streaming,
Speaker 2: you'll see I have lovely Stephanie Thomas with us from
Speaker 2: Colorado Springs. And Stephanie, you're with Coldwell Banker Coldwell Banker
Speaker 2: real Estate. Yes, and you've been a broker for how
Speaker 2: long now?
Speaker 5: Fourteen years?
Speaker 2: This market? Is it good batter in between? Or how
Speaker 2: do you explain the market in the Springs area? We
Speaker 2: have a big Springs audience, you know.
Speaker 6: Right now it's it's really interesting and it kind of
Speaker 6: feels a little bit like a roller coaster.
Speaker 5: I was just having this conversation with my managing broker.
Speaker 6: And Michael with this where it's really kind of and
Speaker 6: he put it perfectly when he said, the tale of two.
Speaker 2: Markets, so within one, yes makes it, you know, no.
Speaker 6: Rhyme or reason as far as pricing goes or things
Speaker 6: like that. But what we're seeing is some homes are
Speaker 6: selling very quickly.
Speaker 5: Multiple offers.
Speaker 6: Out of the last three offers I've written for buyers,
Speaker 6: two of which were multiple offers, and thank goodness, we
Speaker 6: were able to get.
Speaker 5: Under contract on both. But it's it's just been interesting.
Speaker 6: And then we have additional properties and homes that we're
Speaker 6: seeing days on markets start to really extend out of
Speaker 6: the current active.
Speaker 2: Can you give okay, can you tell which homes move
Speaker 2: and which don't or is it not just a price range.
Speaker 6: You know, is range specific or even necessarily area.
Speaker 5: My experience has just been it's.
Speaker 2: Just happhazard lover. Really.
Speaker 6: I have seen homes, you know, the homes that look
Speaker 6: more market ready.
Speaker 5: Of course those get great activity quicker.
Speaker 6: But your homes that should you know, look good on market,
Speaker 6: you know, would get that you would think of a
Speaker 6: strong buyer response, aren't necessarily getting that. I think town homes, condos,
Speaker 6: you know, that multi family market is still moving slower
Speaker 6: of course than single families, and.
Speaker 2: Now a lot of people have got a lot of
Speaker 2: people they don't want to go into that multi family
Speaker 2: anymore because of the the hoas and the insurance situation
Speaker 2: they end up self insuring. I mean, it's terrible, it's
Speaker 2: a terrible thing anyway. So we have Sephanie Thomas with us,
Speaker 2: but I'm going to go to the phones, as I
Speaker 2: always do. Phone calls get priority. We have James who
Speaker 2: wants to talk about an issue with an enterprise rent
Speaker 2: a car. Hey, James, what's happening with you? Welcome to
Speaker 2: the show. By the way, everyone else can call three
Speaker 2: zero three, seven to one to three talk. That's one
Speaker 2: of our numbers, seven one three eight two, five to five,
Speaker 2: and we're happy to help you. What's going on with
Speaker 2: the Enterprise?
Speaker 3: Can you hear me?
Speaker 2: I sure can, sir?
Speaker 7: Okay, I can hear you.
Speaker 8: Yeah.
Speaker 7: Well, I just got your number from my sister because
Speaker 7: I was telling her about my shaga with the Enterprise.
Speaker 7: On January second, I rented a from Enterprise, a nice
Speaker 7: little Sunday Kona read and was going to drive to
Speaker 7: Palm Springs to meet a friend of mine who was
Speaker 7: going to share the cost of the rental because his
Speaker 7: wife came from Idaho and I was going up, which
Speaker 7: I'm from Idaho but a living in Brago Springs currently.
Speaker 7: And I rented this car, took it to a trailer
Speaker 7: park where I was living in Lake Kinshack, California, and
Speaker 7: it's on a hill, and proceeded. After a couple hours,
Speaker 7: I'd got my laundry together in my trash and loaded
Speaker 7: it up in the hatchback of the car and went
Speaker 7: out to driveway and turned left, and I pushing on
Speaker 7: the brakes, but nothing happened, and I thought, God, this
Speaker 7: is strange, and maybe I so I had to turn.
Speaker 7: It was down hill about forty feet, turned right. My
Speaker 7: momentum kept me to the right, and then I got
Speaker 7: to turn back up hill after about fifty feet.
Speaker 2: But when night, but you had no you had no
Speaker 2: brakes at all.
Speaker 7: Well, when I got to this uphill straight, my brakes worked.
Speaker 7: I didn't roll back, and I went, God, that's really strange.
Speaker 7: And so I thought, I looked, but.
Speaker 2: The brakes were not Did the brake pedal go to
Speaker 2: the floor, Yes.
Speaker 7: But I couldn't tell that because it was in the night.
Speaker 7: I mean, it was just six o'clock in the evening.
Speaker 7: And I looked at the gas pedal and the brake pedal,
Speaker 7: and these new rental cars or new cars are real
Speaker 7: close together, unusual from what I'm used to drive two
Speaker 7: thousand and three Taho.
Speaker 2: And the.
Speaker 7: You know, the brake is quite a ways of way.
Speaker 2: James James, James James. Is it possible that it did
Speaker 2: have brakes the whole time and you were hitting you
Speaker 2: were not hitting them? Or are you sure when you
Speaker 2: hit the brake pedal?
Speaker 7: That's what I was concerned about so I crept up
Speaker 7: the hill. I had to go about another one hundred
Speaker 7: feet up the hill one hundred and twenty feet to
Speaker 7: come around the corner and come back down to my trailer,
Speaker 7: where I had some more laundry to do and it
Speaker 7: was sitting outside. I was going to stop the car
Speaker 7: when I first came out to load it in, but
Speaker 7: it never stopped, and I kept creeping up, pushing on
Speaker 7: the brakes. They worked all the way up this hill.
Speaker 7: I must have pushed ten times just to make sure
Speaker 7: I was pushing on the brake and they were. I
Speaker 7: got up to the top of the hill. I sat
Speaker 7: there for about two minutes, thinking, now should I go
Speaker 7: to the left. It's a little if the brakes go
Speaker 7: out again, I can't go straight down. And I crept
Speaker 7: around the corner and I'm starting. I said, okay, I'm
Speaker 7: just going to go straight because the brakes are working,
Speaker 7: and let off on the break and they did not work.
Speaker 7: The next time I was pumping, I was reaching for James.
Speaker 2: Yes, so James, let's get to the the whole point
Speaker 2: of the story. Did you get into an accident?
Speaker 9: Yes, I did.
Speaker 7: The brakes did not work down a hundred feet I turned,
Speaker 7: I had to turn to the right.
Speaker 2: What did you crash into?
Speaker 7: I crashed into a pole, a fence pole that was
Speaker 7: up three feet tall, just a medal and seamen and
Speaker 7: it took off the It's a decoration on the side
Speaker 7: of the hun day on the left side of the right.
Speaker 2: Now, James, James, James, I don't need to know any
Speaker 2: more details. I need to know this.
Speaker 7: Yeah, and then I hate you. I did not jammise
Speaker 7: the car other than break the headlight.
Speaker 3: There was no.
Speaker 2: Well, okay, okay, I understand James, James, what are you
Speaker 2: calling about today, because no matter how it happened, you're
Speaker 2: going to be responsible.
Speaker 7: Okay. So I got the brakes worked when I go
Speaker 7: go up the hill about forty yards and the brakes
Speaker 7: stopped me. And I go back and I call call Enterprise,
Speaker 7: ran a car. They send me to their accident report,
Speaker 7: which I gave an accident report and told them that
Speaker 7: I would return the car tomorrow and get another one
Speaker 7: because I just had this incident. And I ejected from
Speaker 7: the trailer park that night by because of the accident
Speaker 7: I caused.
Speaker 2: I was wait a minute, wait a minute, James, what
Speaker 2: do you mean you got James, do you own your
Speaker 2: trailer there?
Speaker 7: No, I was renting a trailer from a friend for
Speaker 7: until April first, when she returned.
Speaker 2: Okay, so they kicked you out. They kicked you out
Speaker 2: that night.
Speaker 7: Gave me a seven day notice, and I says, well,
Speaker 7: it has to be at least thirty. I did not
Speaker 7: get out until March first, and March first, I moved
Speaker 7: to Barrego Springs into a trailer park.
Speaker 2: Well, where are we going with this? This is this
Speaker 2: sounds like a whole a movie.
Speaker 7: I mean they are charging me to toe charge and
Speaker 7: they charged me for the rental of the car and
Speaker 7: the damage.
Speaker 2: All right, hold on, hold on and we'll come back.
Speaker 2: Hold on, James, hold on, we'll come back to you.
Speaker 2: I know why you're calling. Let's let's dissect this problem.
Speaker 2: Three O three seven one three eight two five five.
Speaker 2: We have more coming up on the Troubleshooter Show. Speaking
Speaker 2: of UH rental car coverage and all kinds of coverage.
Speaker 2: Compass Insurance Group will go over your insurance to make
Speaker 2: sure you're not paying too much, to make sure you're
Speaker 2: not under insured or even over insured. Three oh three
Speaker 2: nine nine six nine thousand, go with a sure thing
Speaker 2: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check
Speaker 2: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three oh three seven seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two. Okay, Tom Martino here, Welcome to the show.
Speaker 2: Three three seven well three Talks seven three e two
Speaker 2: five five. So, James, I want to tell you, in
Speaker 2: the pure sense of renting a car, I understand you
Speaker 2: said the brakes went out, but let me explain some
Speaker 2: of these You, in the pure sense of renting that car,
Speaker 2: you are responsible for everything that happened to it. So
Speaker 2: the fact that the brakes went out, I know this
Speaker 2: sounds weird. It's not enterprise this problem. Do they agree
Speaker 2: that the brakes are faulty or did they say there
Speaker 2: was no problem with the brakes?
Speaker 7: They said there's no problem with the brakes, and that
Speaker 7: that that's why they're charging me.
Speaker 2: Okay, Well they would charge you anyway, and you would
Speaker 2: have to go to the menu. Listen. It would be
Speaker 2: a terrible fight anyway if you had to do it.
Speaker 2: But James, really you are And I know your sister
Speaker 2: told you to call because you wanted me to help you.
Speaker 2: But I have to tell you some facts. You are
Speaker 2: responsible for a rental car. Even when somebody hits you.
Speaker 2: You can go after the other party like you can
Speaker 2: go after Hyundai. You can, but you are responsible to
Speaker 2: Enterprise for all the damage to that car. You're also
Speaker 2: responsible for loss of use of that car while they're
Speaker 2: fixing it, so it can be pretty expensive. How much
Speaker 2: do they want from you right now? Total?
Speaker 7: Well, discharge two hundred eleven dollars for the towing, which
Speaker 7: I did not agree to.
Speaker 2: And I well, what were you going to do with
Speaker 2: the car? If you didn't have the car towed, what
Speaker 2: were you going to do with it?
Speaker 10: I was going to drive it back to and get a.
Speaker 2: New car, okay, But you didn't drive it back because
Speaker 2: of the brakes.
Speaker 10: No, because they said we don't want you driving it
Speaker 10: because of the brakes. And I said, I go, okay,
Speaker 10: if you want to.
Speaker 7: Tow it, tow it, but I need a.
Speaker 2: Car, okay, okay, okay, So of all hold on, So
Speaker 2: of all the charges, the only thing you're disputing is
Speaker 2: the two fifty two dollars. Yeah, okay, So but you
Speaker 2: agree that you are responsible for the damage to the car.
Speaker 2: You just don't want to pay for the towing exactly, Okay,
Speaker 2: you know what. So so when you called them, though,
Speaker 2: and you said the brakes weren't working, what were they
Speaker 2: supposed to do?
Speaker 7: They said they sent their inspectioned games to look at
Speaker 7: the brakes and to look for budy.
Speaker 1: No.
Speaker 2: But what I mean is what James, You didn't want
Speaker 2: them towing the car, but they towed the car anyway.
Speaker 10: It's the car that I could rely on.
Speaker 2: James, you told Enterprise when you called them about the accident.
Speaker 2: You told them the brakes were not working. Right, So
Speaker 2: what were they supposed to do? They had to tow it.
Speaker 2: Oh and if they told let me explain this to you, James,
Speaker 2: if they towed the car in and the brakes were faulty,
Speaker 2: you would not have to pay for the toe. But
Speaker 2: what they're saying is that they towed it in because
Speaker 2: you told them the brakes were not working. But when
Speaker 2: they got the car in their possession, the brakes were working.
Speaker 2: This is going to be this is gonna be a
Speaker 2: hard battle. I'll have someone call Enterprise for you to
Speaker 2: see if they can do away with that charge that
Speaker 2: two hundred and eleven? Uh Bo, Are you in the
Speaker 2: studio today? Who's in the studio today?
Speaker 6: I'm both coming in in about fifteen minutes.
Speaker 2: Deputy Doc is working at home. Maybe Doc, maybe Doc
Speaker 2: can call enterprise and see, here's the point. Look at
Speaker 2: he's not disputing the whole thing. He's just disputing the
Speaker 2: towing because he wanted to drive it in. Again. I
Speaker 2: find that weird because he's the one that said it
Speaker 2: wasn't working, and they I don't think I think they
Speaker 2: would have been negligent had they had him drive it in.
Speaker 2: But let's have Doc make a phone call to see
Speaker 2: if we can get that charge waved. Jim, you have
Speaker 2: a question about credit cards. What's going on? Jim? Welcome
Speaker 2: to the show.
Speaker 3: Good morning, Tom came in.
Speaker 2: What's going on?
Speaker 7: Three?
Speaker 11: Three of our our credit card companies raised our interest
Speaker 11: rate to thirty one percent with no oh my god,
Speaker 11: and we're not late on any moment.
Speaker 3: We've always been paying on time. Is there any way.
Speaker 2: What the hell? Wait a minute, wait a minute. Did
Speaker 2: they all do it? Did they all do it at
Speaker 2: the same times?
Speaker 11: Jim, Yes, yeah, they all did it at the same time.
Speaker 2: It went from what to what?
Speaker 3: Twenty one to thirty one?
Speaker 2: Oh my god, thirty one percent? Thirty what?
Speaker 12: What?
Speaker 2: What reasons? What reason did they give you?
Speaker 11: They're not giving us any reason at all. That's what
Speaker 11: I told the wife.
Speaker 3: Call them up and question them about it.
Speaker 2: But that all three they were three completely separate credit cards,
Speaker 2: and they all did it.
Speaker 11: Right, Yes, and they were all up to date. No mispayments,
Speaker 11: no nothing. They just did it.
Speaker 2: I don't get it either. And have you got an
Speaker 2: answer from any of them?
Speaker 11: No, she's she sent out some emails. All three of
Speaker 11: them were just waiting for something to get something back
Speaker 11: because I'm worried that I would be because they just did.
Speaker 3: It, and they were just hoping you wouldn't question it.
Speaker 2: Did they? So they sent you a note in the notice?
Speaker 2: Did it mention why it was being raised?
Speaker 1: No?
Speaker 11: It just showed up on the bills as the interest rate. No,
Speaker 11: no notice, no nothing.
Speaker 2: But okay, when it showed up on the bill. Did
Speaker 2: it say that it was raised, did it make any
Speaker 2: mention of it, or it just showed up? Are you
Speaker 2: sure it wasn't thirty one percent all the time?
Speaker 11: Now?
Speaker 7: How do you know it was down?
Speaker 1: Ahead?
Speaker 2: Could? Sometimes interest rates on credit cards sometimes it goes
Speaker 2: with the balance on how many days of balance was outstanding?
Speaker 2: Like did your balances change? Do you pay them off?
Speaker 2: Tell me what's your credit? Like your credit usage?
Speaker 1: Our credit's really good.
Speaker 11: Those three we used them for model, you know, fixing
Speaker 11: the cars or something like that. They were like emergency
Speaker 11: credit cards and we haven't.
Speaker 2: Okay, but what are your balances? What are your balances
Speaker 2: on those three cards? What are your balances on those
Speaker 2: three cards combined?
Speaker 11: She has a couple of thousand on each one and
Speaker 11: two is asking me about should we take out another
Speaker 11: loan and pay them all off? And I told her,
Speaker 11: I said, well, I'll you pay them off, cut them up,
Speaker 11: you know, close the account.
Speaker 3: She said, if you close the account, you're credit rating
Speaker 3: those deaths.
Speaker 2: That's true, that's true. But what you should do, and
Speaker 2: I know this is crazy, is keep them alive, but
Speaker 2: don't use them, because what happens is your percentage of
Speaker 2: credit used also determines your interest rate. I have a feeling, Jim,
Speaker 2: that all of this probably was disclosed to your original agreement.
Speaker 2: And what they do is they monitor your credit usage
Speaker 2: and different things like that, and that's where the rate
Speaker 2: goes up and down according to what you're doing. Do
Speaker 2: you have an idea of what your credit usage is?
Speaker 2: For example, Jim, how much credit do you have altogether?
Speaker 2: Like what I mean is if you wanted to take
Speaker 2: and max out everything, how much do you have in
Speaker 2: credit lines those three cards? What are the limits on
Speaker 2: those cards?
Speaker 3: That is what I don't know yet. She just mentioned it.
Speaker 2: I think, Jim, Jim, I'm looking this up here, and
Speaker 2: I think credit usage is the answer. You're going to
Speaker 2: find is that your credit usage might have been unusually
Speaker 2: high that month, and when your credit usage is high,
Speaker 2: they raise the rates. How much total credit card debt
Speaker 2: do you have total?
Speaker 7: I don't know.
Speaker 3: The life does it.
Speaker 11: She takes care of it. She just asked me a question.
Speaker 11: And you know, I let her pay all the bills
Speaker 11: and stuff, and I don't pay attention to it until
Speaker 11: you brought this up.
Speaker 2: But I'm telling you, man, if you have any balances,
Speaker 2: look into it. Yeah, well, let me know, call me back.
Speaker 2: I need to know your total credit granted to you,
Speaker 2: and then the total usage you have. And Jim, if
Speaker 2: you have any money whatsoever, or maybe you get a
Speaker 2: zero percent transfer card, get rid of that thirty one percent.
Speaker 2: You know, And I tell people this all the time.
Speaker 2: Thank you for calling Jim. Here's what I tell them.
Speaker 2: When you have thirty one percent or twenty five percent
Speaker 2: debt and you take a dollar out of the bank
Speaker 2: and invest it, you're losing money. You take a dollar
Speaker 2: out of the bank and you pay down high interest debt.
Speaker 2: The very first thing when people come to Waive eight
Speaker 2: Wealth Management with us, we try to eliminate their high
Speaker 2: interest at because you should not even bother investing until
Speaker 2: you pay off high interest debt. So when you have
Speaker 2: thirty one percent, for example, credit balances thirty one percent,
Speaker 2: you are losing that every month. If you pay that off,
Speaker 2: it's like getting a thirty one percent return because you're
Speaker 2: getting rid of it. So high interest debt you got
Speaker 2: to get rid of before doing anything else. Jim, let
Speaker 2: us know when you find out that information. God, I
Speaker 2: just can't believe it. Credit cards are they're kind of crazy.
Speaker 2: By the way. I didn't have hot water and something
Speaker 2: was going wrong. You know, I called fix It, fix
Speaker 2: it twenty four to seven. I did a I'm doing
Speaker 2: a water heater flush and they're doing there's a pinhole
Speaker 2: leak near a pump. They're fixing it today. But you
Speaker 2: know what they do. For thirty nine bucks, They'll get
Speaker 2: your ac ready with a deep extreme clean Fix my
Speaker 2: home dot com. Go there and find out more thirty
Speaker 2: nine bucks with a NOE breakdown guaranteed. Do it before
Speaker 2: the heat comes. Go with a sure thing Denver's best
Speaker 2: roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content. Time for an insurance check up free,
Speaker 2: no obligation. In comparison, call help US Insurance paying too
Speaker 2: much your coverage at dozens of insurance companies find out
Speaker 2: now three all three seven to seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martine here at three three
Speaker 2: seven one three eight two five five. So here's the deal.
Speaker 2: When you have credit cards there's all kinds of triggers
Speaker 2: in your credit card agreements that allow them to raise
Speaker 2: the rate. Credit usage is one of them. And also
Speaker 2: the timeliness of payments, of course is won and all
Speaker 2: kinds of stuff like that. Now there is a possibility
Speaker 2: you can do a zero transfer balance and then you
Speaker 2: get a courtesy time to pay it all off on
Speaker 2: new cards. But you got to get rid of this
Speaker 2: high interest det People have been using their credit card
Speaker 2: as a second income almost and it's never going to work.
Speaker 2: It is the road to financial ruination. So I have
Speaker 2: Stephanie Thomas with us now. Even though she works in
Speaker 2: the color of Springs area for Coldwell Bankers as a
Speaker 2: real estate broker, she also has no real estate in general.
Speaker 2: And I have a quick question for you, and this
Speaker 2: is one that I asked Frank. And I'm going to
Speaker 2: Frank durand the real estate Man dot com and I'm
Speaker 2: going to ask you, what are the mistakes you see
Speaker 2: when people list to home Because people wanting a lot
Speaker 2: of people, they don't want to hire people to stage
Speaker 2: and all of that, and they want to know is
Speaker 2: that worth it? Because there are companies that offer to
Speaker 2: come in like for fifteen hundred bucks until your house seals,
Speaker 2: they'll stage it. Are Are they worth it? Wait? They are?
Speaker 6: I think so Wow, if you can get fifteen hundred
Speaker 6: for the entirety of your listing, to me, that's great
Speaker 6: because I have seen some staging bills for a month
Speaker 6: or two, and fifteen hundred is in my opinion, a
Speaker 6: good value from waking and voice wise.
Speaker 5: But here's the thing.
Speaker 6: One of the mistakes people make is they don't prep
Speaker 6: their home for sale.
Speaker 2: You know, they just literally leave it the way it is.
Speaker 6: They will literally leave it like it is a lot
Speaker 6: of times when you go in homes and you know
Speaker 6: it's not depersonalized, it's not decluttered.
Speaker 2: You want to depersonalize it. You don't want a lot
Speaker 2: of personal pictures up in order.
Speaker 6: Absolutely, you want your buyers to walk in the property
Speaker 6: by themselves there, yes, exactly. So when they start seeing
Speaker 6: pictures of you everywhere, all of a sudden, the buyers
Speaker 6: start looking at.
Speaker 5: Oh, who lives here?
Speaker 6: Just natural curiosities, you know, and people tend to focus
Speaker 6: on that kind of thing. Ultimately, they're not connecting with
Speaker 6: the property. They're not identifying, Hey, that this could be
Speaker 6: my home. It feels like you're walking through some much.
Speaker 2: Okay, so depersonalize it. Yeah, And isn't declutter a big deal?
Speaker 5: Absolutely? Decluttering is huge because most of us don't live
Speaker 5: in our homes like they're show ready.
Speaker 2: You know.
Speaker 6: Most of us have to go in and do some
Speaker 6: prepping and you have to think about, you know, actually
Speaker 6: prepping it for photographs too. I go through this process
Speaker 6: with all the homes that I list, and I talk
Speaker 6: to people about. You know, we we want to make
Speaker 6: sure that when we take a photo of a space
Speaker 6: that people can actually see your home the wall. You know,
Speaker 6: we want them to see some wall. We want it
Speaker 6: to have still some personality and you know, to show well.
Speaker 6: But we don't want people to see so much content
Speaker 6: that they miss your home entirely.
Speaker 2: Okay, And I just got a text wanting to know
Speaker 2: about vacant homes. Do you like vacant homes?
Speaker 5: You know, it depends me.
Speaker 6: When I do vacant homes personally, I do come in
Speaker 6: and do what I call like a light stage, a
Speaker 6: soft stage. I have some personal inventory that all go
Speaker 6: through and do some of that, and it's just.
Speaker 5: Really adding accent touches.
Speaker 6: It's not a full house of furniture, you know, in
Speaker 6: the primary suite area.
Speaker 5: You know, I'll put you know, a queen.
Speaker 6: Sized bed set up, white comforter, some fluffy pillows, you know,
Speaker 6: maybe a couple pieces of artwork, you know, just some
Speaker 6: things to kind of soft stage and give people some
Speaker 6: idea of the space, you know, through the home. I
Speaker 6: always all do fluffy toowls and bathrooms, you know, greenery,
Speaker 6: things like that that give it a little bit of life,
Speaker 6: but not overwhelming.
Speaker 2: What about interior paint do you ever do you ever
Speaker 2: recommend that people go through and just repaint it.
Speaker 6: Absolutely depends if they have really dark colors. Absolutely, I'm
Speaker 6: going to say, and you know, if they're willing to
Speaker 6: do some things to prep it, I'm going to suggest
Speaker 6: that we go through and kind of lighten that space up,
Speaker 6: neutralize it.
Speaker 2: You know, you may have.
Speaker 6: A really large room and if you have really really
Speaker 6: dark walls and real heavy like curtains you know, covering
Speaker 6: your windows, all of a sudden, that space looks really dark.
Speaker 6: It's not fighting space. Yeah, so anytime we can do
Speaker 6: a few things like that to really just highlight the
Speaker 6: features of your home.
Speaker 5: I absolutely real, But there.
Speaker 2: Are staging companies that I mean with furniture and everything. Yes,
Speaker 2: there are and and a lot of them are worth
Speaker 2: their weight, you know, I think.
Speaker 6: So, Like I said, I haven't experienced the fifteen hundred
Speaker 6: dollars the kind of one.
Speaker 2: How much does it normally cost?
Speaker 5: The last house I worked with a stager on. We
Speaker 5: we did a couple of.
Speaker 6: The main spaces. Now mind you, this was a very
Speaker 6: large home, but we.
Speaker 2: Still just like how much what price range?
Speaker 5: This one was north of eight hundred?
Speaker 2: Okay, so what was it? What did the total staging cost.
Speaker 5: For two months? We were over four thousand, so holy crap.
Speaker 6: Yeah, and that was honestly just doing a couple of
Speaker 6: main spaces.
Speaker 5: It wasn't even the entire house.
Speaker 2: So you're saying, yeah, so fifteen hundred sounds.
Speaker 6: Fifteen hundred sounds great, But ultimately you'd have to look
Speaker 6: at what that entails. And I'm sure they've got some
Speaker 6: type of timelines that they agree to leave their.
Speaker 2: You know, so people have to move their own stuff
Speaker 2: out obviously when you have a stage or they don't
Speaker 2: stage wing that. Yeah, do you ever have stages that
Speaker 2: work with what's there?
Speaker 5: Ye?
Speaker 6: So some stages will come through and do a consultation right.
Speaker 2: If it's pretty and the good stuff.
Speaker 6: They just have to Yeah, we'll talk about moving things
Speaker 6: a little bit. Let's take down a couple of these photos,
Speaker 6: and that's a process. Honestly, I've set through so many
Speaker 6: photo appointments at this point and listed enough properties in
Speaker 6: my career that I have, you know, a pretty good
Speaker 6: eye that I go through and do that process on Artwey.
Speaker 2: I think people in general have too much stuff in
Speaker 2: their homes, absolutely, and John, I mean nothing wrong with that.
Speaker 6: None of us, none of us live in our homes
Speaker 6: like they're ready to stell, you.
Speaker 5: Know pretty much.
Speaker 6: We would all need to do a few things to
Speaker 6: our properties to really highlight the space for sale.
Speaker 2: I mean I've seen some play, Honest to god, I've
Speaker 2: seen a place that was listed that you went in
Speaker 2: the bathroom and the guy shaving stuff was still like
Speaker 2: he didn't wash off his razor. I mean, it's on
Speaker 2: the on the vanity and it's just I think to myself,
Speaker 2: he just got ready for work. There were some dirty
Speaker 2: clothes in a pile. I mean that's wasting money.
Speaker 6: Yeah, or wasting sink full of dishes or with people.
Speaker 6: Sometimes people want to look inside the dishwasher. And I
Speaker 6: can't tell you how many times I've walked through homes
Speaker 6: that people use their dishwashers to like get everything off
Speaker 6: the counter and get it ready for the showing. So
Speaker 6: it's full of you know, food and different things like that.
Speaker 6: And to me that personally, I'm like, oh, that that's
Speaker 6: a little bit of a turn off because we really
Speaker 6: can't see, you know, the interior of the dishwasher, because
Speaker 6: some people that matters if it's a stainless steel interior,
Speaker 6: things like that. So just a couple little things you
Speaker 6: can do to keep your home show ready. But cleanliness
Speaker 6: is honestly number one.
Speaker 2: All right, we got to.
Speaker 5: Keep your home clean.
Speaker 2: We we uh, we're talking about listing homes and we
Speaker 2: can talk about anything you want as well. Three all
Speaker 2: three seven one three talk seven one three eight two
Speaker 2: five five. We got more coming right up. Go with
Speaker 2: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content on top
Speaker 2: of it. Time for an insurance check up free, no obligation.
Speaker 2: Compare and call Compass insurance paying too much your coverage
Speaker 2: at dozens of insurance companies. Find out now three all
Speaker 2: three seven seven one help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: all three nine two zero sixteen twenty two. Hi Tom
Speaker 2: Martine here three O three seven to one three talk
Speaker 2: seven one three eight two five five. So somebody asked
Speaker 2: about financial snags young people get into. They said they
Speaker 2: were having a conversation with their young person and they
Speaker 2: wanted to know some of the financial pitfalls they get into.
Speaker 2: Deputy d joins us. Deputy Doc. You can text me
Speaker 2: from home and we got Stephanie here if you wanted
Speaker 2: to take a stab at the number one thing mistakes
Speaker 2: make as they're becoming adults in a young adulthood. I
Speaker 2: listed the four top I should do five because people
Speaker 2: always say five, and I don't have a fifth one
Speaker 2: I could really think of. And I didn't want to
Speaker 2: make it up, but I listed the top four problems
Speaker 2: kids get into that lead to financial their first financial
Speaker 2: bungle or hurdle or could ruin their credit for many
Speaker 2: many years. What do you think the first one is.
Speaker 1: Getting credit?
Speaker 5: Using them?
Speaker 2: Okay, all your mics are on okay, go ahead.
Speaker 6: I think being advised to get credit cards but then
Speaker 6: using them to their full extent of their limit.
Speaker 12: Oh yeah, I mean just credit cards.
Speaker 2: Credit cards best, right, credit card debt, because one, they're
Speaker 2: so easy to get when they just turn eighteen, right,
Speaker 2: and they don't understand that money has to be paid back.
Speaker 2: And many of the young people look at it as
Speaker 2: a monthly payment, not as a balance. If you look
Speaker 2: at just the monthly payment, that's going to put you
Speaker 2: in debt for twenty years, I mean literally, So you
Speaker 2: have to really watch out for credit card and credit cards.
Speaker 2: You know, if credit is a funny thing. It was
Speaker 2: meant to be used for emergencies back in the day,
Speaker 2: when the farmer didn't have his crop coming up, when
Speaker 2: he wanted to the local source would extend credit and
Speaker 2: they'd keep a ledger and then that ledger, you know,
Speaker 2: you oweys this, so when the crop came in, he'd
Speaker 2: go and pay his debt. But that was credit. And
Speaker 2: then tavern started doing it for people that go in regularly.
Speaker 2: They'd keep a tab and then people would pay off
Speaker 2: their tab once a week or and these were in
Speaker 2: mining towns when they're money, so credit was a convenience,
Speaker 2: and also for emergencies like you have a transmission break
Speaker 2: in your car, you have to put it on a
Speaker 2: credit card. You don't have the money, that's what that's
Speaker 2: the wise use of credit. And then you try to
Speaker 2: pay it off as quickly as possible. Never carry a
Speaker 2: balance you can't pay off in two or three months,
Speaker 2: especially with carrying costs now, and the way to use
Speaker 2: a credit card is to use it and then pay
Speaker 2: it off monthly. No one does that, but credit card
Speaker 2: debt is one of the biggest problems facing all Americans.
Speaker 2: Credit debt is amazing. It's keeping people in servitude. Now,
Speaker 2: I don't mean you know, you know what I'm saying.
Speaker 2: What I mean is they have to keep paying off
Speaker 2: these debt and eventually they have three or four cards
Speaker 2: that are maxed out and all they're doing is making
Speaker 2: monthly payments on it. They try to go get another card,
Speaker 2: and many times they have good enough credit they can
Speaker 2: get another card. Unfortunately, so they end up having so
Speaker 2: many credit cards. I knew a young woman was turning
Speaker 2: nineteen and she had eighteen credit cards. Wow, eighteen credit cards,
Speaker 2: and then she went and got them maxed out and
Speaker 2: was making monthly was making payments. She'd have product purses
Speaker 2: and all of the credit, all of the high fashion stuff,
Speaker 2: and she was treating credit cards as another person in
Speaker 2: her household making money. And it doesn't make money. It
Speaker 2: bleeds you. So credit card debt. What do you think
Speaker 2: this one actually leads to our nation? And I can
Speaker 2: do it in one word, or I can explain why.
Speaker 2: What do you think the second major obstacle is in
Speaker 2: a young person's financial life that causes could cause financial
Speaker 2: run and has caused bankruptcies. Would you say student loans?
Speaker 2: Student loans? No, it's not. Actually that might be my
Speaker 2: number five. You might have given me the fifth, No,
Speaker 2: the second one on the list. What do you think
Speaker 2: jeopidy D Buying way too much car? Oh, Mike, it's transportation.
Speaker 2: Now here's where they get into the problem. Not so
Speaker 2: much buying too much car, but they do. But if
Speaker 2: they just pay it off, here's where they get into
Speaker 2: the problem. I call it the negative equity snowball. So
Speaker 2: they buy a car, they pay too much, they're buried
Speaker 2: in it and it's worth less than they owe. But
Speaker 2: they have to get another one because this car's not lasting.
Speaker 2: They go into the next one. And the negative goes
Speaker 2: into it and it starts growing and growing. It leads
Speaker 2: to financial disaster. We can talk about that and more
Speaker 2: coming up. Get your calls in with any problems, questions,
Speaker 2: or complaints. Have three oh three seven one three eight
Speaker 2: two five five. Go with a sure thing Denver's best
Speaker 2: roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're contenth time for an insurance check up free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three oh three seven to seven to one help. You'll
Speaker 2: think you're his only customer when you choose Frank durand
Speaker 2: the real estate Man dot com to list your home
Speaker 2: with Remax Alliance three oh three nine two zero sixteen
Speaker 2: twenty two.
Speaker 1: Ripped of.
Speaker 5: News.
Speaker 12: You need advice so you.
Speaker 13: Don't have.
Speaker 9: Come running Just as nass as we can.
Speaker 2: Shooter's gonna help coming man. This is the Troubleshooter Show.
Speaker 2: No Tom Martino, Hi Tom Martino here, Welcome to the show.
Speaker 2: Three ozho three seven to one three talk seven one
Speaker 2: three eight two five five. We've been talking about all
Speaker 2: kinds of stuff today, by the way, with car rental coverage,
Speaker 2: somebody asked, why would he be responsible for lack of use?
Speaker 2: That is a loss to the rental company. And people
Speaker 2: don't realize this, but even if your insurance covers the
Speaker 2: actual car, it may not cover loss of use. You
Speaker 2: could end up in big trouble with a lot of
Speaker 2: money owed to that rental company. So make sure that
Speaker 2: your coverage that you have on your own car extends
Speaker 2: to rental cars. Most of them do now, but it
Speaker 2: also must cover other consequential damages like loss of use.
Speaker 2: So and it's extraordinary to think about right now in
Speaker 2: today's world of shortages. To get parts takes a lot
Speaker 2: of time, and that loss of use could be crazy. Anyway,
Speaker 2: keep that in mind when it comes to insurance. And Stephanie,
Speaker 2: you want to chime in, I do.
Speaker 6: I actually just turned in a rental car for an
Speaker 6: accident that I had had, But my insurance company gave
Speaker 6: me some advice before I turned it back in, and
Speaker 6: they said to make sure when you turn that vehicle
Speaker 6: back in they do the walkthrough to check for damage
Speaker 6: at that point, and that you get some type of
Speaker 6: receipt right there.
Speaker 2: It's all clear, Yes, because later on when it shows up,
Speaker 2: it's hard to fight it exactly.
Speaker 5: And she said that that's a problem they've seen.
Speaker 2: So it is a problem, and I think some of
Speaker 2: them do it illegitimately. And we found a company called
Speaker 2: sixth I believe that's a new rental company. Sixth it's
Speaker 2: six T or something or maybe find it Dmitri. But
Speaker 2: we found them doing that a couple times. Now. Jay
Speaker 2: has a comment on finances. I was mentioning the I
Speaker 2: had four biggest mistakes. Stephanie gave me the fifth one.
Speaker 2: What was that when the student loans? That absolutely is?
Speaker 2: Absolutely is. But let's go for the top four that
Speaker 2: I had before. Stephanie chimed in with that one. The
Speaker 2: top problems that people have Number one credit cards, Number
Speaker 2: two negative equity, snowball in cars, and anybody want to
Speaker 2: take a shot at the third one. It's going to
Speaker 2: be surprising. Now, these are my records, these are not
Speaker 2: official records. These are people who call us for help.
Speaker 12: What do you think, Oh, so third bad financial suit.
Speaker 2: No, it's not necessarily bad. It's at they're financial. They
Speaker 2: get into trouble when they're young adults.
Speaker 12: Yeah, so, based on my observations, with man.
Speaker 14: Any of my friends who I went to college getting
Speaker 14: into way too much education.
Speaker 2: Oh okay, well that's what that's what she that's what
Speaker 2: she said, And I put that on my list. That
Speaker 2: wasn't on my original list. Something completely And they get
Speaker 2: into student loan debt.
Speaker 14: And they with a youth of graduate degree and then
Speaker 14: they find that Starbucks doesn't pay enough to pay off
Speaker 14: the right.
Speaker 2: Yeah, they didn't become that professor, they thought, Jay, what
Speaker 2: is your comment on finances.
Speaker 15: Tom, I'll tell you something I've seen ruin lots of
Speaker 15: lives and ruined the kind of forever is O guy
Speaker 15: gets behind on child support and the whole system is
Speaker 15: designed to destroy them back. It's not designed to help
Speaker 15: everybody get normalized. And so many people I try to
Speaker 15: hire don't have a driver's license, can't get insurance, don't
Speaker 15: have credit, can't do anything because child support payments are
Speaker 15: back due and they can't do anything.
Speaker 12: And they can't get ahead.
Speaker 15: They can they.
Speaker 2: Can't dig themselves out. They can't dig themselves out. Friend
Speaker 2: of mine, Yeah, but that's not okay. That wouldn't be
Speaker 2: on my list of young people turning adults though that
Speaker 2: I don't think that would catch up to them.
Speaker 15: Yeah, I spell eighteen. Seem to start when they're young,
Speaker 15: and then they get sued and they don't have any money.
Speaker 15: They don't have the kind of money to support a ship.
Speaker 2: I would say that might be young the young adults
Speaker 2: in their twenties maybe or thirties. Yeah, but anyway, credit card,
Speaker 2: thank you jay, credit credit card, debt, negative equity, snowball
Speaker 2: for cars, the number three. Come on, people, Come on people,
Speaker 2: it's so easy. It's so medical bills, they get sick,
Speaker 2: they broke it arm, they break it arm, they do something,
Speaker 2: and these kids don't realize they are in trouble quickly.
Speaker 2: Medical bills and they don't make the payments, and they
Speaker 2: let them sit there and it destroys their credit. Then
Speaker 2: they start coming after him. They start garnishing wages. What
Speaker 2: a lot of young people don't realize is with today's system,
Speaker 2: until it changes, if you don't make a lot of money,
Speaker 2: you can go on Medicaid. I mean really, Medicaid was
Speaker 2: opened up to the masses when Obama did his Obamacare,
Speaker 2: and no one's ever changed that yet. Do you know
Speaker 2: Medicare is not even predicated on what you own? Do
Speaker 2: you know there are people that own million dollar homes
Speaker 2: that are on medicaid.
Speaker 14: Wow, is medicaid. I'm always confused. There's Medicare and Medicaid.
Speaker 14: Medicaid for strictly older people, Medicare Medicare okay, and that's
Speaker 14: not incomdependent.
Speaker 12: Medicare is well, No.
Speaker 2: Medicare is Medicare. You get Medicare no matter what you
Speaker 2: can pay, and you pay the premium for B, Part A,
Speaker 2: Part B, and then you get a supplement usually that
Speaker 2: comes out of your payment. But in any case, Medicare
Speaker 2: is different. Medicaid is a form of social services. It
Speaker 2: used to be for only really people that need and
Speaker 2: they extended the hell out of it during Obamacare, so
Speaker 2: almost anyone who doesn't make enough money they can qualify
Speaker 2: for Medicaid. And in fact, I've said there are people
Speaker 2: a million dollar homes getting medicaid. Wow. It's only predicated
Speaker 2: on income, not on equity, not on anything you own.
Speaker 2: You could own a million dollar piece of art and
Speaker 2: get medicaid. Now that's not so much. For the medicaid
Speaker 2: that pays for nursing homes and assisted living, they would
Speaker 2: make you sell off your stuff. But that's a different
Speaker 2: category of Medicaid. The Medicaid for doctors and procedures and
Speaker 2: surgeries is only income dependent. So if you're a young
Speaker 2: person right now listening to me, apply for medicaid, doesn't matter.
Speaker 2: If your parents are rich, doesn't matter. If you own
Speaker 2: stuff and a car, you can get medicaid. That's what
Speaker 2: it's made for right now. Now they might change all
Speaker 2: of this, I don't know, but right now it's really
Speaker 2: insurance for the masses. And then, of course then you
Speaker 2: get into Affordable Care Act. They call it eligible plans,
Speaker 2: which are not affordable at all, but that's what they
Speaker 2: call it. So medical bills are number three on my list.
Speaker 2: Number four is a very odd one. Number four is
Speaker 2: a very odd one that I've gotten in my records here.
Speaker 2: It is the result of a bad job. What is
Speaker 2: a bad job? Kids get talked into selling knives or
Speaker 2: doing some kind of kakammy job where they don't really
Speaker 2: make money. They don't really they don't understand the job.
Speaker 2: It's some kind of con In some cases, they pay
Speaker 2: money to try to get this job and they're told
Speaker 2: they're going to be a manager. I'm going to tell
Speaker 2: you some of them were selling vacuum cleaners. Some of
Speaker 2: them were different kinds of jobs like that. And I'll
Speaker 2: never forget the rainbow vacuum they would sell for They
Speaker 2: had to sell these vacuums for four thousand dollars, but
Speaker 2: they went into debt on their own to get these,
Speaker 2: to get their demo and stuff, and so much of this.
Speaker 2: These bad jobs are getting kids to sign up and
Speaker 2: pay for instruction and pay for materials and pay for
Speaker 2: this and pay for that, and they're really not good
Speaker 2: jobs at all. They're bad jobs. And then of course
Speaker 2: I just put on my list student loans because there
Speaker 2: are many kids that start school and they don't realize. Look,
Speaker 2: if you flunk out, you're gonna owe that money. You're
Speaker 2: gonna owe it right away. Now, if you go through
Speaker 2: and you graduate, that's a different story. They'll give you
Speaker 2: some time to pay. But it is a problem for kids.
Speaker 2: Three ozho three seven one three eight two five five.
Speaker 2: Somebody has a question here about for sale by owner. Now,
Speaker 2: this person happens to be in Valdiz, North Carolina, and Stephanie,
Speaker 2: you took a look at his listing so well, he
Speaker 2: wants to know why he cannot even get an offer.
Speaker 2: Did you look at that? You looked at it right
Speaker 2: the listing.
Speaker 6: Yeah, I looked at his listing. The house looks like
Speaker 6: a nice property. And I don't know anything about their
Speaker 6: market there.
Speaker 2: No but but but if you looked at the listening itself.
Speaker 6: Ricing goes as far as like location, all of that.
Speaker 6: I couldn't but the listing itself, the photos look nice.
Speaker 5: I mean looking through it. I watched his virtual tour
Speaker 5: that he did, you know, walk through.
Speaker 6: I liked the still photos I think better than the
Speaker 6: virtual personally, because I felt like.
Speaker 2: It might combine a pricing for that area.
Speaker 5: Yeah, very possibly.
Speaker 2: What is he asking for it? Three three ninety and
Speaker 2: it's in North Carolina?
Speaker 6: It is, Yeah, And like I said, looking at it,
Speaker 6: it looks like a nice property.
Speaker 5: I'm looking at it on Zillo. He sent us a
Speaker 5: Zilo listing Facebook.
Speaker 7: You know.
Speaker 5: I looked at the little virtual tour that he had.
Speaker 5: Like I said, the.
Speaker 6: Virtual tour from me felt like a little bit of
Speaker 6: fast through this through some of those rooms.
Speaker 5: But that's personal preference.
Speaker 6: I would suggest that if he shot that on his
Speaker 6: cell phone, you can definitely see a person walk through,
Speaker 6: you know, with a some type of recording device you
Speaker 6: can see the shadows in it.
Speaker 5: I would suggest.
Speaker 6: Maybe reshooting that and taking your time a little bit,
Speaker 6: panning the rooms a little better, because I did you know.
Speaker 2: So many people do this for sale by owner because
Speaker 2: they think they're going to save money. Absolutely, So I
Speaker 2: looked up Valdiz, North Carolina. If you're listening, the average
Speaker 2: home price is two twenty six four. It's a three
Speaker 2: point six increase over the past year. It indicates that
Speaker 2: the median sale is two thirty five, which is a
Speaker 2: four point seven percent year over here. This has been
Speaker 2: going up this. I don't know what this guy said.
Speaker 2: It's a bad market. It's not a bad market, sir.
Speaker 2: And in fact, as of March twenty twenty five, the
Speaker 2: median price was two fifty three. And what he's he
Speaker 2: asking for it, oh three nine? Oh oh oh. He's
Speaker 2: definitely on the high end high for the area, oh
Speaker 2: way high. So that seems to be what it is,
Speaker 2: three ninety especially for that home. It doesn't look like
Speaker 2: a very special home for three ninety now. It's pretty,
Speaker 2: it's pretty, yeah it is. Yeah, But I sir, if
Speaker 2: you're listening, and I know you texted us that, so
Speaker 2: I know you're listening. Uh, I think you're I think
Speaker 2: it's price price price, it really is. It's a price
Speaker 2: price price anyway. Three oh three seven one three talks
Speaker 2: seven one three A two five five. We have more
Speaker 2: coming up on the Troubleshooter Show. And if you have
Speaker 2: anything about real estate give us a call as well,
Speaker 2: or anything on your mind. Someone lies you, cheated you,
Speaker 2: or ripped you off. Let's hear about it. Go with
Speaker 2: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance check up free, no obligation comparison call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three all three seven seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate Man dot com to
Speaker 2: list your home with Remax Alliance three all three nine
Speaker 2: two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter
Speaker 2: three O three seven one three eight two five five.
Speaker 2: Let me get to you. Uh and uh, let's get
Speaker 2: to the phones. And Uh. We have Mark who wants
Speaker 2: to comment on the Medicare Medicaid. I told him that
Speaker 2: I was talking about Medicaid being eligible that bursts based
Speaker 2: on income alone. What do you have to say? Mark?
Speaker 16: My question would be, uh said there were qualifications were
Speaker 16: basically just your income a lot, but you drive or
Speaker 16: money in the bank or homeownership.
Speaker 2: Right, that's right, that's right. It's not judged on assets,
Speaker 2: only on income.
Speaker 3: Okay.
Speaker 16: That's my question, Gee, is if you're already on Medicare
Speaker 16: for you do lack of income with qualified for Medica,
Speaker 16: what's the what we can't have to do to combine
Speaker 16: those two?
Speaker 9: You know what?
Speaker 2: I believe, This is what I believe. But we're going
Speaker 2: to call Integra Insurance and find out Mark. So hang on, Kaschina,
Speaker 2: get Integra on. I believe when you're on Medicare and
Speaker 2: you're really hurting, I believe Medicaid can be a supplement
Speaker 2: for you. It takes the place of a supplement. But
Speaker 2: I want to find out for sure. So please hang on, Mark,
Speaker 2: Please excuse me? What?
Speaker 10: Dave?
Speaker 2: Yes?
Speaker 3: Well, go ahead.
Speaker 16: Could you ask the gentleman you're bringing on your specifically
Speaker 16: what those income qualifications? Rather than to verify that you
Speaker 16: the equity that you have is not a practice.
Speaker 2: I will In fact, you can hang on when he
Speaker 2: comes on and talk to him yourself. Let's do that
Speaker 2: as soon as possible. Okay, thank you, Dave on a hello,
Speaker 2: Hi Dave. What's going on?
Speaker 9: Sir?
Speaker 3: I have a question. My daughter came to me and
Speaker 3: she had special.
Speaker 1: Needs, and they has had special needs since he was
Speaker 1: two years of age, and now she's twenty six, single
Speaker 1: lady with a three year old child. The state of
Speaker 1: Colorado had given her a back pay for fifteen thousand
Speaker 1: dollars and she was going to use that for a
Speaker 1: car and getting into an apartment for her and her daughter.
Speaker 1: Somehow she got talked too, she said my friend, and
Speaker 1: I don't quite believe all of her what she told us,
Speaker 1: but he had stamped her out of her fifteen thousand
Speaker 1: dollars by asking.
Speaker 2: Wait a minute, Wait a minute, Dave, Dave, wait a minute,
Speaker 2: wait a minute, I will So what was the fifteen
Speaker 2: thousand and four that your daughter god back.
Speaker 3: Pay that she did not get from the stink for Medicaid?
Speaker 2: So back wait, back disability payments? Yes, sir, what do
Speaker 2: you mean back pay? What? Well, what do you mean
Speaker 2: back pay? I don't even understand it. Go ahead? Back
Speaker 2: pay sometimes for her benefits.
Speaker 1: For back to pay for some of her benefits she
Speaker 1: had not received.
Speaker 2: Okay, so it's for disability payments of some kind. Well,
Speaker 2: back to me pay? What do you mean they don't
Speaker 2: get paid for.
Speaker 14: Being The wrong term? Back pay is if you get
Speaker 14: fired for unjust reason, but that's not and then you
Speaker 14: fight it, then they reward you what's called back pay.
Speaker 2: Dave, I understand that, David, But your daughter fired from
Speaker 2: a job.
Speaker 1: No, sir, well, yes he was, but that wasn't I
Speaker 1: don't I use the wrong terminology.
Speaker 12: I'm sorry, Yeah, but we understand what okay saying.
Speaker 2: So what you're saying is your daughter should have gotten
Speaker 2: benefits earlier, and because she didn't, they gave her a settlement,
Speaker 2: yes sir, yes, okay. Now, and what that settlement was
Speaker 2: fifteen grand.
Speaker 1: Yes, sir, you're just shy at fifteen fifty bucks. But
Speaker 1: that money was put into I thought she was capable
Speaker 1: of managing that herself, so when she put.
Speaker 3: It in the bank, I wasn't kind of.
Speaker 2: Involved. So how did she lose How did she lose them?
Speaker 2: How did she lose the money?
Speaker 1: He sisted that she she needed to give him money,
Speaker 1: and the way he wanted to get the money.
Speaker 2: Well, well, hold on, hold on, Dave. A guy called
Speaker 2: her up out of the blue.
Speaker 12: That somebody should knows somebody.
Speaker 1: She said it was somebody she knew from the past.
Speaker 2: Who that was?
Speaker 3: I wasn't gonna but did.
Speaker 2: How did he know, Dave? How did this guy know
Speaker 2: she got money? Tom, I don't know.
Speaker 1: I asked that same question to my wife. I do
Speaker 1: not know.
Speaker 2: So this guy from her past calls her up and
Speaker 2: magically knows she has fifteen.
Speaker 1: Grand somehow, I think, So I.
Speaker 3: Wrote him.
Speaker 2: And what did he do?
Speaker 17: He harassed her, hounded her to go to Walmart and
Speaker 17: withdraw and buy him the scratch card thanks for a
Speaker 17: hundred bucks.
Speaker 2: Okay, listen, this was not a friend of hers. That's
Speaker 2: what she's telling you. She didn't know this person from Adam.
Speaker 2: So a guy talked her into buying.
Speaker 1: What these scratch cards from Walmart that are like a
Speaker 1: gift card and to turn around and take a photograph
Speaker 1: of the receipt for all the gift cards.
Speaker 2: Yeah, this is a classic. It's a classic scam. So
Speaker 2: he basically, did she get rid of did she get
Speaker 2: scammed out of her entire fifteen grand?
Speaker 3: Yes?
Speaker 2: Sir, do you understand David, let me just give you
Speaker 2: the news right up front. There's nothing you can do
Speaker 2: about it.
Speaker 1: Well, you know if I could have put the hammer,
Speaker 1: you know what I heard about it. You're the first
Speaker 1: person I thought whether.
Speaker 3: Or not there was a chance or not.
Speaker 2: I get well, there would be a chance. Hold on,
Speaker 2: if this is truly a guy from her past and
Speaker 2: she has a phone number, does find out does she
Speaker 2: have contact information for this guy? I think she's lying
Speaker 2: to you when she says she knew him. She didn't
Speaker 2: know him. It was some kind of online scam. I
Speaker 2: don't know how they knew she had money, or even
Speaker 2: if they did know, but she got lured in by
Speaker 2: some scam. When you say she has special needs? What
Speaker 2: kind of special needs?
Speaker 3: Lower intelligence intelligence?
Speaker 2: Well when you say lower intelligence, I know a lot
Speaker 2: of people who are lower intelligence and they don't have
Speaker 2: special needs. So do you mean like a mental di say?
Speaker 2: I mean tell me, I mean what is her IQ?
Speaker 2: What is her what is her level? What age?
Speaker 1: She's twenty six? Does she her she's twenty six years
Speaker 1: of age and her IQ lessons in the sixty mark
Speaker 1: lower sixties.
Speaker 2: Oh, well, she's is mentally retarded? Is mentally retarded? Still
Speaker 2: a term or am I going to get in trouble
Speaker 2: for that term?
Speaker 12: IQ in the sixties is a severe what's the term?
Speaker 2: I mean? This woman should be doing business on her own.
Speaker 3: I don't have an answer for you, Tom.
Speaker 2: Dave, but I have a question for you, why why
Speaker 2: don't you have guardianship of her?
Speaker 3: Because social services?
Speaker 1: I feel like she's high functioning and she comes off
Speaker 1: that way, but when it comes down to the fact
Speaker 1: of it, to be fair and honest, she doesn't have
Speaker 1: that capability of sustaining for herself or taking care of.
Speaker 2: So she got rid of So wait did she go
Speaker 2: through Did she go through her entire fifteen grand?
Speaker 1: Yes?
Speaker 3: Sir?
Speaker 2: Wait what was she supposed to? Wait?
Speaker 18: Wait?
Speaker 1: Wait?
Speaker 2: When he was asking Dave, Dave, when he was asking
Speaker 2: for this money, what did he say it was for?
Speaker 2: Did he say she would make money on it? Or
Speaker 2: what was what was in it for her?
Speaker 1: Tom, I was lucky enough to get that much information.
Speaker 2: Out of her. Was okay?
Speaker 3: Keep for being truthful.
Speaker 1: And if I dug into her too far, I know
Speaker 1: I would she would go the other way on me.
Speaker 2: So I was just trying to Yeah, I get it, well,
Speaker 2: I got some bad news. I got some bad news
Speaker 2: for you. I got some bad news for you. Unless
Speaker 2: she can contact this guy and we can get the
Speaker 2: authorities on him. Find out and let me know, really
Speaker 2: find out and let me know if she can get
Speaker 2: Call her and see if she has contact information for
Speaker 2: this guy and call us back. I'm Tom Martinez. We
Speaker 2: have more coming up on the Troubleshooter Show three O
Speaker 2: three seven to one three talk. Go with a sure
Speaker 2: Thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're content. Time for an insurance
Speaker 2: check up free, no obligation. In comparison, call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three O three seven to seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate Man dot com to
Speaker 2: list your home with Remax Alliance three three nine two
Speaker 2: zero sixteen twenty two. Hi Tom Martino here, three O
Speaker 2: three seven one three Talk seven one three eight two
Speaker 2: five five. So Mark had a very interesting question. I
Speaker 2: told him that medicaid is income dependent, and when you're
Speaker 2: on medicaid, you know that's your your coverage, like your
Speaker 2: health insurance. And then he I said, when you're on Medicare,
Speaker 2: can you he asked, can you have both Medicare and Medicaid?
Speaker 2: So I'm asking Integrant Insurance are health insurance experts. John
Speaker 2: Jones Junior's on the line, JJJ, Triple J. That's his
Speaker 2: rap name, Triple J. Hey, so John, integratinsurance dot com. Uh,
Speaker 2: did you tell me one time that when you're eligible
Speaker 2: for both Medicaid kind of becomes your supplement to Medicare
Speaker 2: or not?
Speaker 19: Again, I mean you can have both. You can be
Speaker 19: eligible for both Medicare and Medicaid and they coordinate. So
Speaker 19: there's also other options for you that open up when
Speaker 19: you become or if you are eligible for both Medicare
Speaker 19: and Medicaid, And so we explore those.
Speaker 2: Arts like what like there are like what other options
Speaker 2: there there? Yeah?
Speaker 19: There there are plans that are designed specifically for those
Speaker 19: who are Medicare Medicaid eligible that that that are out there.
Speaker 19: So but yeah, no, absolutely, you can have both and
Speaker 19: be eligible for both.
Speaker 2: Okay, okay, and it's all based on income, right, yes, sir, yes,
Speaker 2: because a lot of people wonder and that would be yeah,
Speaker 2: a lot of people. No, it's okay. A lot of
Speaker 2: people say, why should someone be on medicaid if they
Speaker 2: live in a million dollar house?
Speaker 19: Well, they they may take into account assets. But that's
Speaker 19: that gets more specifically into the medicaid side of things.
Speaker 2: That the only time John, they take into consideration assets.
Speaker 2: The only time they take assets into consideration is for
Speaker 2: assisted living or nursing homes or stuff like that. For
Speaker 2: regular medicaid for doctors. Right, yes, yeah, So it's important
Speaker 2: to know that the regular Medicaid, for regular daily medicaid,
Speaker 2: it's income dependent and a lot of people are eligible
Speaker 2: that aren't even applying. So, John, when someone becomes eligible,
Speaker 2: let's say, or not becomes they've been eligible but didn't
Speaker 2: know about it, they racked up bills, and now they
Speaker 2: go on Medicaid. Does it go retroactive at all?
Speaker 19: It can go retroactive. I believe three months. I believe
Speaker 19: three months now two years, certainly, but it can go
Speaker 19: when you when you do the application that ask about
Speaker 19: medical bills for the last three months.
Speaker 2: Now you said to apply for Medicaid. You can do
Speaker 2: it online or you can do it by phone. I
Speaker 2: was helping someone the other day and we made a
Speaker 2: phone call to that number and it says your wait
Speaker 2: time is three point five hours. Three point five hours,
Speaker 2: so they expect people to wait on the phone.
Speaker 19: If you can put it on hold and do some
Speaker 19: other things because our experience is the Yeah, the wait
Speaker 19: time is certainly longer than just doing it online, but
Speaker 19: there's a at least based on our experience or the
Speaker 19: higher percentage of that application being approved immediately versus having
Speaker 19: to wait for approval.
Speaker 9: If if you were to do it.
Speaker 19: Online, you can take up to ivery think forty two
Speaker 19: days to be approved.
Speaker 2: Oh and if you do it by phone, it can
Speaker 2: be almost immediate, but you have to just wait on
Speaker 2: those waight times.
Speaker 19: Yeah, and it can a still be approved almost immediately
Speaker 19: if you do it electronicity, if you do it online.
Speaker 19: It's just our experience has always been it's been a
Speaker 19: lot higher percentage that has approved immediately, much more of okay, yeah, by.
Speaker 2: Calling the number now now Mark Mark was the one
Speaker 2: with the original question about Medicare slash Medicaid, Mark, do
Speaker 2: you have any questions for John Jones?
Speaker 16: Well, I just want to make just more understand that.
Speaker 1: There are no.
Speaker 16: Values established in terms of property owned, or vehicles owned
Speaker 16: or money in the No no, no no, because I
Speaker 16: went on the site of Medicaid Connect for Colorado and
Speaker 16: there was a stipulation regarding to the value of your
Speaker 16: car and I've not that a change or you couldn't
Speaker 16: have a house.
Speaker 2: Okay, Mark, Mark knows, Mark having helped numerous people, Let
Speaker 2: me explain this to you. They may want to know
Speaker 2: about your house, they may want to know about your car,
Speaker 2: but they do not use it to disqualify you from
Speaker 2: regular medicaid. The only time Medicaid seeks your equity and
Speaker 2: assets is when you are looking for assisted living or
Speaker 2: nursing homes. Okay, Now it's called medicaid. I mean, there
Speaker 2: aren't two kinds of Medicaid. There's one. But I assure
Speaker 2: you when it comes to regular Medicaid, they don't care
Speaker 2: about your house and cars. I don't know why, but
Speaker 2: they don't. And all they care about is your income. Now,
Speaker 2: if you were to apply for assisted living or a
Speaker 2: nursing home, then they would make you sell off your assets.
Speaker 2: Do I have that right, John?
Speaker 19: I mean there's the clawback, and there's certainly information about that.
Speaker 19: When we give our clients information about how First Colorado,
Speaker 19: that's included in there, and so I recommend that you
Speaker 19: research that sum. As far as calling back assets, they.
Speaker 2: Don't clawback except for living. John, I went through this
Speaker 2: time and time again. They do not clawback for normal
Speaker 2: medical expenses. The only time they do that is when
Speaker 2: you need either in resident residential rehabilitation, nursing homes or
Speaker 2: assisted living. Then they go in and want to be
Speaker 2: reimbursed regular doctors' visits and surgeries and regular procedures. I
Speaker 2: have never heard of them ever once, not once going
Speaker 2: after people's assets for that stuff ever, not once. So Mark,
Speaker 2: you know, okay, are you eligible for Medicaid?
Speaker 16: Possibly?
Speaker 2: Okay? What is your income? What is your income right now?
Speaker 9: It's it's nonimal.
Speaker 2: Normal. Well, I think, hey, John, what is the what
Speaker 2: is what is the qualification for someone uh to get
Speaker 2: on medicaid? What is the income?
Speaker 19: Are you a single tax filer?
Speaker 2: Sir?
Speaker 8: Yes?
Speaker 1: Okay.
Speaker 19: Then if the income is at or below one thousand
Speaker 19: or below five dollars a month?
Speaker 16: Okay?
Speaker 2: Okay? Is that net or gross?
Speaker 19: That's modified?
Speaker 2: Okay? Okay, So it's modified adjusted gross income under seventeen
Speaker 2: hundred a month? Is that right?
Speaker 13: Okay?
Speaker 9: Yeah? Approximately one?
Speaker 2: And how is it adjustified? Yes, what that's the bottom line.
Speaker 3: How has it adjusted?
Speaker 2: John?
Speaker 19: Well, when it comes so modified, a justic gross income
Speaker 19: can take into account types of income that are not
Speaker 19: part of your adjustice gross. But this gets into the
Speaker 19: CPA side where I have to say I'm not certified
Speaker 19: on that. Okay, things you're gonna want to talk to
Speaker 19: your CPA to make sure that you're modified. That you
Speaker 19: understand you're modified astic gross income.
Speaker 2: Okay, all right, thank you very much. Now, by the way,
Speaker 2: Integra Insurance, if you're looking for any kind of health
Speaker 2: insurance three zho three four six six fifty five hundred.
Speaker 2: That's zero three four sixty six fifty five hundred more
Speaker 2: coming up. Go with a sure thing Denver's best roofer
Speaker 2: Excel Roofing dot com. You don't pay a cent. Oh
Speaker 2: you're content, wait top of it. Time for an insurance
Speaker 2: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three all three, seven seven to one help.
Speaker 2: You'll think you're his only customer. When you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax alliance three all three nine two zero
Speaker 2: sixteen twenty two. Hi, Tom Martino, you're troubleshooter. Three oh
Speaker 2: three seven one three talk three oh three seven one
Speaker 2: three eight two five five. All Right, So we've learned
Speaker 2: a lot about Medicare and medicaid and all of that.
Speaker 2: Now we move on to a topic. I'm gonna go
Speaker 2: back to Stephanie Thomas with his Stephanie by the way,
Speaker 2: if you want to get in touch with her. Stephanie
Speaker 2: R stands for real Estate stephaniear dot com. So, Stephanie,
Speaker 2: you said you pulled some stats on what I did.
Speaker 6: So I pulled a few numbers from Colorado Springs that
Speaker 6: I wanted to share because with our elevated days on
Speaker 6: market and average days on market being higher, I guess
Speaker 6: I just wanted to kind of give everyone some hope that.
Speaker 5: We're starting to see things pick up. We are starting
Speaker 5: to see that.
Speaker 6: So in the last ninety days, we've had one thousand,
Speaker 6: six hundred and seventy four homes that have sold in
Speaker 6: the Colorado Springs market.
Speaker 5: This is a single family and also a multi family combined.
Speaker 6: So I'm just looking at current numbers currently under contract,
Speaker 6: though in Colorado springs. I've got one and forty six,
Speaker 6: so that is telling us that's more than the last
Speaker 6: three months of solts combined. So the great news there
Speaker 6: is we are seeing things pick up. So that means
Speaker 6: it is still a strong time if you want to
Speaker 6: list your home. It's still a great time to buy.
Speaker 6: You know, with elevated days on market, we are still
Speaker 6: able to negotiate strong.
Speaker 5: Deals current actives.
Speaker 6: I've got two eight hundred and forty nine, so we
Speaker 6: have a fair amount of inventory, but we are still
Speaker 6: technically on this historical life.
Speaker 2: Is there a hot price range?
Speaker 6: You know, I was kind of looking, I don't have
Speaker 6: a lot of inventory under four hundred thousand in this
Speaker 6: single family homes. Wow, So I would say anything you
Speaker 6: know there that's still a helping You imagine.
Speaker 2: Not being able to find a home under four hundred.
Speaker 5: You know you can, It's just I don't have a ton.
Speaker 2: So if I go ahead, are they usually fix your
Speaker 2: uppers or what when they're under four hundred?
Speaker 5: You know, I'm seeing the mix. I've got a buyer
Speaker 5: shopping that right now.
Speaker 6: And we've seen a really strong mix of some really
Speaker 6: nice renovated homes and then some that need some love.
Speaker 6: But I just pulled single families under four hundred thousand
Speaker 6: in Colorado Springs and I have two hundred and twenty seven.
Speaker 5: So it's not that they're not out there, there's just.
Speaker 2: Not a ton. What are some of the lowest price homes?
Speaker 2: Tell me what a starter? The lowest price you can
Speaker 2: think of that you've seen recently?
Speaker 5: Oh goodness.
Speaker 6: I mean there's some neighborhoods that I've seen, some in
Speaker 6: the two hundreds, But every neighborhood like that's going to
Speaker 6: have a gotcha.
Speaker 5: So we have and I'm actually listing a home.
Speaker 2: You know, what do you mean a gotcha?
Speaker 5: In this neighborhood?
Speaker 6: These homes look really, I would say, very nice compared
Speaker 6: for the price point you know, two hundred to you know,
Speaker 6: two fifty two sixty five. This particular neighborhood, though, is
Speaker 6: what's called a leasehold, so you're purchasing the improvements on
Speaker 6: the property, you're not purchasing the property itself, so you
Speaker 6: have a large monthly leasehold payment on top of that
Speaker 6: purchase price. The current leasehold payment for that particular neighborhood
Speaker 6: is seven hundred and fifty dollars a month.
Speaker 2: So wow, wow, that's weird.
Speaker 5: The price is great. You have this additional payment, the.
Speaker 2: Additional payment for what though for the land.
Speaker 5: For the land rental of the land.
Speaker 2: It's you're renting the land. Is it a mobile homemans,
Speaker 2: It's not a mobile.
Speaker 6: It's a modular so they're permanently affixed to the property.
Speaker 5: So you have to have this lease.
Speaker 2: But for home ownership it might be a way to
Speaker 2: get into home ownership.
Speaker 6: It can, but that seven point fifty is tacked on
Speaker 6: top monthly great payment, so you're qualifying.
Speaker 5: It's going to be a lot higher.
Speaker 2: We got more coming up on the Troubleshooter Show. Go
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Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance check up, free no obligation comparison call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three oh three seven to seven
Speaker 2: to one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the real estate Man dot com
Speaker 2: to list your home with Remax Alliance three oh three
Speaker 2: nine two zero sixteen twenty two with news you need advice.
Speaker 2: Who you don't have.
Speaker 20: Run anxious ass as you can show Shooter's gonna help.
Speaker 4: Come man, This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 2: Tom Martino here, Welcome to the show. Three all three
Speaker 2: seven one three talkers our number seven one three A
Speaker 2: two five five, Or you can call three oh three
Speaker 2: Martino twenty four to seven and leave a message and
Speaker 2: we will get back to you. Now. Do you know,
Speaker 2: speaking of let's say real estate, we have Stephanie with
Speaker 2: us today, Stephanie Thomas Stephanieri dot com. She's with Cold
Speaker 2: Oil Bankers in Colorado springs By So friendly cities? Do
Speaker 2: you know that a survey was done by America, but
Speaker 2: it was done about America's friendliest cities. It's a survey
Speaker 2: by a group called Yuzu. And what they do is
Speaker 2: they provide information to Asians traveling in America and they
Speaker 2: have a matrix they use to find the best and
Speaker 2: most friendly cities. And real estate people have begun using
Speaker 2: this for people who are making moves and they use
Speaker 2: the friendly quotient. So what's the friendliest city in America?
Speaker 2: According to you zoo? Take a guess. Okay, I'm going
Speaker 2: to tell you something. If you can guess, I'm going
Speaker 2: to give you a hundred dollars right now, the one
Speaker 2: time you can't look it up right now, go on, guess,
Speaker 2: one hundred dollars, Dmitri, go ahead, Hold on, brother, go ahead.
Speaker 2: It's going to be somewhere in New Jersey. Okay, Eh, no,
Speaker 2: seventy Thomas friendliest city in America. Don't you look at
Speaker 2: my list?
Speaker 5: I can't read that far. I have no idea.
Speaker 2: Okay, Dragon, one hundred bucks, friendliest city and you wait, Dragon,
Speaker 2: are you looking at it? Dragging? You lie?
Speaker 9: Oh?
Speaker 2: No, Dragon? Go ahead?
Speaker 1: Uh.
Speaker 2: Friendliest City Boulder, Oh Katchina Calori, the friendliest city, Salt
Speaker 2: Lake City. Okay, Okay, I didn't not Yeah you looked
Speaker 2: it up, you little creep. Now, and I didn't include you, bo,
Speaker 2: so shut up. It's San Diego, Bo, you little you
Speaker 2: googled it. I didn't do it.
Speaker 18: I don't have a kampruit here.
Speaker 2: Number two. Go get number two, and it's a trifecta,
Speaker 2: not a trifectaymore anyway, Yeah, number two? Go ahead? What's
Speaker 2: the number two? You say, San Diego is the friendliest city?
Speaker 2: Number two? Raleigh, North Carolina? Yep. Number three Phoenix, Arizona,
Speaker 2: number four, Miami Fort Lottery of my ass, Miami Fort Lauderdale.
Speaker 2: I've been down there. That ain't friendly. I think Raleigh is.
Speaker 2: I don't know about San Diego, Houston, number five, number six, Honolulu.
Speaker 2: Then Boston, what are you kidding me? How can Boston, Cambridge,
Speaker 2: Newton be on the top ten. They are the snobbiest
Speaker 2: snobs of the snob snob snobs I've ever seen, and
Speaker 2: I've been out there a lot. And then San Jose, Yes,
Speaker 2: San Jose. They're just happy you come there because it's
Speaker 2: such a rat city. Minneapolis, Saint Paul number nine and
Speaker 2: number ten, number ten. What do you think, drum roll?
Speaker 7: Please?
Speaker 2: Number ten? Ready? Denver really the tenth most friendly city.
Speaker 2: But I think Denver's way friendlier than Boston, way friendlier.
Speaker 2: But anyway, that's for real estate. Actually, what do people
Speaker 2: ask about when they ask for real estate? Sephanie?
Speaker 9: Really?
Speaker 2: What are they concerned about? Coming from another state? What
Speaker 2: do they ask about? Because I mean they can pick
Speaker 2: Denver or Color Roder Springs, Let's say they can pick anywhere.
Speaker 2: What are they looking for? You know, a lot of.
Speaker 5: Times people are shopping things like school.
Speaker 2: Districts, Yeah, they have kids.
Speaker 5: Absolutely.
Speaker 6: We look at a lot of times vicinity to their
Speaker 6: employment and that tends to be a huge determining factor
Speaker 6: for people. Another thing, though, people will shop based on
Speaker 6: their activities that they enjoy, so their hobbies. Some people
Speaker 6: are going to shop based on you know, if they
Speaker 6: like to mountain bike ride, they're going to be they
Speaker 6: want to be close to some trail access.
Speaker 5: So there's some things like that that you know, people
Speaker 5: definitely shop for.
Speaker 2: Do you know that Denver did not even make the
Speaker 2: America's twenty Most Livable Cities America's top twenty.
Speaker 6: Colorado Springs tends to fare pretty well on some of
Speaker 6: those independent studies, you know where it's a lot of
Speaker 6: times voted one of the you know, top places to go.
Speaker 6: And I think a lot of that is there's a
Speaker 6: lot of amenity in Colorado Springs.
Speaker 5: You've got a lot of you know, the outdoors, the
Speaker 5: beauty of like Garden of the Gods. You're so close
Speaker 5: to Pike's people. Okay, now, people there.
Speaker 2: Okay, let's talk about this. This this one consumer group
Speaker 2: again advising real estate people and rent people who are
Speaker 2: looking to rent their homes out and also something called
Speaker 2: the visual capitalists. They have come up with a chart
Speaker 2: on the twenty most livable cities. Denver's not on that.
Speaker 2: Denver's not on that, but Colorado Springs is.
Speaker 5: It doesn't surprise me.
Speaker 2: Yeah, Now Colorado Springs comes in comes in fourteen of
Speaker 2: the top twenty. Number one they say is Portland. Number
Speaker 2: two is Lincoln. I just don't understand. So anyway, Colorado
Speaker 2: Springs is fourteen, but all been in New York beats
Speaker 2: Colorado Springs. I don't get it. So this is most
Speaker 2: livable and it's judged on seventeen matrix which include weather
Speaker 2: and community and quality of life and all of that.
Speaker 2: I often wonder about these surveys, I really do. I wonder,
Speaker 2: you know, like San Francisco, for example, is number one
Speaker 2: in quality of life on this survey, and it's under
Speaker 2: when it comes to socioeconomics because it's so difficult to
Speaker 2: live there economically, so you have different rings. For example,
Speaker 2: for the actual community Des Moines, Iowa is number one.
Speaker 2: Colorado Springs actually is right in the middle all on
Speaker 2: all categories, whether it's socioeconomics, quality of life, and community.
Speaker 2: Colorado Springs number fourteen, I say, in the middle, but
Speaker 2: I'm saying in the middle when it comes to those
Speaker 2: three categories. So anyway, are more people moving in or
Speaker 2: moving out of the Springs?
Speaker 6: You know, I think the Springs has a lot of turnover,
Speaker 6: really big part to the military bases that we have
Speaker 6: around there, So we do get a lot of people
Speaker 6: moving in and moving.
Speaker 5: Out for those reasons.
Speaker 6: For sure, we have a pretty you know, strong military
Speaker 6: population in town.
Speaker 5: But I think people, you know, move in in general.
Speaker 6: It really just depends most I would say a lot
Speaker 6: of times when I've got people who are moving out,
Speaker 6: you know, some people are moving for political reasons.
Speaker 5: That's been fairly common the last real years. I've had
Speaker 5: people that have moved for things like that.
Speaker 6: But a lot of times you've got people that are
Speaker 6: moving because they're being PCSD somewhere, So that's not uncommon.
Speaker 2: Bruce, you have a problem with your Chevy. What's going on? Bruce?
Speaker 8: Hey, Tom, can hear me?
Speaker 2: Yes, sir, what's going on? Okay?
Speaker 8: My daughter's twenty fourteen Chevy Equinox. We got about one
Speaker 8: hundred and thirty nine thousand miles on it, two point
Speaker 8: four liter four cylinder. A couple of weeks ago, Buddy
Speaker 8: and I we went ahead, replaced the balance chain, the
Speaker 8: timing chain. We put a kid in, but it was
Speaker 8: a balanced chain, the timing chain, the variable valve, timing sensors, solenoids,
Speaker 8: a lot of pump We did the whole thing while
Speaker 8: we're in there, and the car ran fine, ran real good,
Speaker 8: no shaking, no nothing, And here lately.
Speaker 9: It's weird.
Speaker 8: It seems like it's a Monday morning problem. But it
Speaker 8: sits over the weekend and she ticks out on the
Speaker 8: interstate and it will shut her and die.
Speaker 3: It's like it's like it's losing fuel.
Speaker 2: But I don't know, Well, that sounds like a timing
Speaker 2: issue to me, does it? So it runs okay when
Speaker 2: you start it up.
Speaker 8: For the most part, Yeah, now here, the last couple
Speaker 8: of days we've got like a miss, like a shake,
Speaker 8: and we just put in new coils and plugs and
Speaker 8: all that stuff right before we did all this timing
Speaker 8: chain and balance chain. So I don't think it's a
Speaker 8: coil pack. I'm not getting an injury code either. That's
Speaker 8: the other problem. So to me, you're right, it leads
Speaker 8: me to think that it's a DVT solnoid. But I
Speaker 8: don't know if anybody else had the same issue. It's
Speaker 8: like it's starving for gas. But I think it's a
Speaker 8: timing issue. I don't think it's a fuel issue.
Speaker 2: All right, I want to get Kevin on. I want
Speaker 2: to get one of our car experts on to talk
Speaker 2: about this. So let me get it straight. Then it's
Speaker 2: got one hundred and forty thousand miles correct, and it's
Speaker 2: a twenty.
Speaker 12: Fourteen twenty thirteen equinus?
Speaker 2: Is it a thirteen thirteen?
Speaker 12: Okay, well, I'm so sorry I misfread that.
Speaker 2: It's a twenty fourteen with one hundred and forty thousand miles.
Speaker 2: And the stuff that you changed all had to do
Speaker 2: with timing.
Speaker 3: Yes, it all had to do with timing.
Speaker 8: It was a whole kit that we put in.
Speaker 2: And when you put this timing kit in and it ran,
Speaker 2: it ran perfectly for a few days.
Speaker 8: Yeah, actually it ran perfect for probably a week, ten days.
Speaker 8: It just starts showing up, probably a week ago.
Speaker 2: I don't get it. Why it would look so good
Speaker 2: for a week and then and then stop. I agree,
Speaker 2: And it started to shudder. So if you started it
Speaker 2: up right now, how far can you drive it before
Speaker 2: it starts acting up?
Speaker 8: Well, like now, it probably won't even happen at all,
Speaker 8: but I will have a rough wow and uh okay.
Speaker 2: Here hold on, we definitely, we definitely got to get
Speaker 2: our expert on, So hang on. I'm Tom Martino three
Speaker 2: O three seven one three A two five five. By
Speaker 2: the way, Frank durand the Realestateman dot com will do
Speaker 2: a free market evaluation of your home if you want
Speaker 2: to know what it will sell for but you don't
Speaker 2: want to list quite yet. Don't worry, Frank will do it,
Speaker 2: no obligation ever. Three oh three nine to zero sixteen
Speaker 2: twenty two. Frank durand the real estate Man dot com
Speaker 2: go with a sure thing Denver's Best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content
Speaker 2: than time for an insurance check up free, no obligation
Speaker 2: comparison call Compass Insurance. Pay too much your coverage at
Speaker 2: dozens of insurance companies find out now three oh three
Speaker 2: seven to seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two. Hi,
Speaker 2: I'm Tom Martino your troubleshooter three O three seven to
Speaker 2: one to three talk seven one three eight two five five.
Speaker 2: I have interesting situation here, and I have Kevin Caulkin
Speaker 2: from Sheridan Auto Tech on are one of our car experts.
Speaker 2: Uncle Kevin, I call him, and Bruce says, his daughter's car.
Speaker 2: He put a timing kit in there, changed a bunch
Speaker 2: of stuff in the in a twenty fourteen Chevy Equinox
Speaker 2: with one hundred and forty thousand miles and including the
Speaker 2: timing and all kinds of stuff. Bruce, just go over
Speaker 2: with Kevin.
Speaker 3: What you put in, Tay, Kevin.
Speaker 8: So I went ahead and put a complete kit in.
Speaker 8: I did the water pump, oil pump, front cover, I
Speaker 8: did this, all thisprockets, all the guides, the whole complete kit.
Speaker 8: I put it in and that came up the new
Speaker 8: VVT sensors and VVT sprockets and boulders and everything so complete.
Speaker 2: And the timing belt right, tell me a belt it's
Speaker 2: a chain, yeah, timing chain yeah, okay, I never know
Speaker 2: whether it's a chain or belt.
Speaker 15: Yeah.
Speaker 3: And the balance chase okay.
Speaker 2: Now it ran perfectly for a week, then started to shudder.
Speaker 2: What the hell's going on, Kevin. And now, so Bruce,
Speaker 2: if you went out and started it right now, would
Speaker 2: it be smooth?
Speaker 3: No, it it runs like it's got a miss.
Speaker 8: And right before I did this, I just put in
Speaker 8: new spark, plugs, coils all that.
Speaker 7: I redid all that.
Speaker 3: So it's just got a slight miss. And I thought, well, maybe.
Speaker 8: It's because the air conditioner is running. So I heard
Speaker 8: the air conditioner. I still have this slight miss. It's
Speaker 8: a rough idol.
Speaker 18: Are you getting any codes it up in the zerial codes?
Speaker 2: Well, Kevin, it sounds like timing to me, right.
Speaker 18: Well, that's my first inclination. Yes, but I mean that
Speaker 18: was they're pretty sensitive. But what a throne of correlation
Speaker 18: code for the cam and the crank if the timing?
Speaker 2: So there's absolutely no code at all being thrown. You
Speaker 2: you actually put something on that's on the on the
Speaker 2: port to check the codes.
Speaker 8: Bruce, Yeah, absolutely I did, and I was not thrown
Speaker 8: any codes. I do have one code right now. It's
Speaker 8: for the catalytic converter. It's a downstream I think bank
Speaker 8: two sensor one or something like that.
Speaker 2: And would that cause these problems? Kevin? No, I don't
Speaker 2: think so I don't think so, uh, you don't even
Speaker 2: so you don't have a good guess.
Speaker 18: Well, I mean I need to get a scanner hooked
Speaker 18: up to it and look at data see if it's
Speaker 18: it may not be counting enough misfires, but the scanner
Speaker 18: can pick up on misfires. You know that the check
Speaker 18: engine light won't set, you know, things like that. So
Speaker 18: we need to look a little deeper into it. But
Speaker 18: it's yeah, that's interesting because it's I would have thought
Speaker 18: a timing code would have pumped.
Speaker 7: Well, we want to bring it by.
Speaker 18: We can plug in and see what it shows.
Speaker 9: That's not a big deal.
Speaker 2: That might be killing you ought to do that. Where
Speaker 2: are you located, Bruce.
Speaker 1: San Antonio?
Speaker 2: You're in San Antonio? Oh my gosh, well welcome, by
Speaker 2: the way. That's too bad, man. So if you start
Speaker 2: out now, you'll get here tomorrow or the next day.
Speaker 8: Well here's here's the weird thing, Kevin. So this morning
Speaker 8: I drove it to work just to seat. As she said,
Speaker 8: I was acting up.
Speaker 3: And I left the house. I went, probably, I don't know,
Speaker 3: a mile and.
Speaker 8: A half to get to the interstate.
Speaker 3: Car seemed run fine, still had that little rough idol.
Speaker 8: I got on the Interstate on the on ramp, I
Speaker 8: started going down the Interstate, picking up speed once I
Speaker 8: got up.
Speaker 3: To around and this is why I think it's a
Speaker 3: timing issue.
Speaker 8: Once I got up around forty five fifty, getting up
Speaker 8: to you know, speed sixty five seventy, it just stuttered, stutter, stuttered,
Speaker 8: and started dying. I could start from fuel and to
Speaker 8: the point where I rolled off to the rcase, I
Speaker 8: thought I was going to stall out, and uh, I
Speaker 8: picked my foot off the gas, put my foot back
Speaker 8: into it, and then it worked itself out of it
Speaker 8: and brand the rest of it work.
Speaker 13: Not a problem.
Speaker 2: Well, I can't believe, Kevin, I don't know, man like
Speaker 2: you need to find someone that will. Yeah. I have
Speaker 2: a suggestion for Kevin and Bruce.
Speaker 21: Is it possible that the electric fuel pump could be
Speaker 21: losing rpm to deliver the fuel once you reach high speeds?
Speaker 7: Entirely possible?
Speaker 18: Yes, I think it's a field nothing to do with
Speaker 18: any of it.
Speaker 2: Sure, but didn't he replace the fuel pump or was
Speaker 2: it you? No, the oil pump and the water pump, right, yep, yep, right, okay,
Speaker 2: but about yeah, you ought to look at maybe look
Speaker 2: at the fuel pump. As both suggested, I gotta do
Speaker 2: I have to take a break to dragging it or
Speaker 2: did I do the fifteen? I did? Good? So let
Speaker 2: me I have a couple of minutes here, all right,
Speaker 2: So thank you. Kevin Caulkins shared an autotech dot com
Speaker 2: three oh three four.
Speaker 9: Two.
Speaker 2: Hey David, what is your issue with telemarketers? David, Welcome
Speaker 2: to the show.
Speaker 9: Yes, I'm getting about fifteen a day, one an hour whatever,
Speaker 9: and I block every night.
Speaker 2: What are you kidding me? Did this just start?
Speaker 9: It started like last year before that I was getting nothing,
Speaker 9: and then it's just over and over every I don't know,
Speaker 9: every day.
Speaker 18: So I'm blocking now.
Speaker 2: This is on your cell phone, right And.
Speaker 9: I would say eighty percent of them are like Medicare,
Speaker 9: and it's like I'm not even old enough for that.
Speaker 9: I don't know, but they just I say, do not
Speaker 9: call list everything I try. So I don't know if
Speaker 9: anyone else has any ideas to get rid of them
Speaker 9: or block them, or I don't know. I don't know
Speaker 9: what to do.
Speaker 2: Well, you're you're doing everything you went on the no
Speaker 2: call list, right, Well, I tell.
Speaker 9: Them individually when they call no call list and.
Speaker 2: No no, no, no, no, no, no no. You've got
Speaker 2: to actually go to a no call list and put
Speaker 2: your number on it. Go ahead, So hey David, go ahead.
Speaker 14: But there are actually two lists that you need to
Speaker 14: get on, and most telemarketers really do scrub their database
Speaker 14: against these two lists. One of them is the Federal
Speaker 14: Do Not Call Registry and the second one is the
Speaker 14: Colorado Do Not Call List, And once you enter your
Speaker 14: phone numbers into both of those databases, it takes thirty
Speaker 14: days to become effective. But I can tell you that
Speaker 14: most telemarketers it really does work.
Speaker 2: They do scrub.
Speaker 14: It's not going to get rid of all of the
Speaker 14: spam you're getting, but it will get rid of a
Speaker 14: lot of that spam. Because the penalties, the civil penalties
Speaker 14: are so severe for violations of these lists that most
Speaker 14: s tele marketers really do use the scrubbing feature that
Speaker 14: the FCC offers.
Speaker 9: Okay, why even too, because half of them are just
Speaker 9: at the beginning of computer anyway, but they will still
Speaker 9: follow that.
Speaker 2: It would still apply.
Speaker 12: Yeah, it's the phone number. It's your phone number that's
Speaker 12: going to get scrubbed. Is your number? Are you using
Speaker 12: it for a business? Is it on a website? Or anything.
Speaker 12: Are you advertising?
Speaker 2: In other words, how are people getting your number?
Speaker 9: I don't know, Yeah, I don't you know.
Speaker 2: Listen, I'll tell you what we do all kinds of stuff.
Speaker 2: We download apps, we go to other sites, we get cookies,
Speaker 2: and there's so many different ways people can get your
Speaker 2: number and then start harassing you, so many different ways.
Speaker 2: But do the actual no call list and that should
Speaker 2: help you. I'm Tom Martine. We have more coming up
Speaker 2: on the Troubleshooter show. Kinage Home Solutions now with k
Speaker 2: and Age Painter Pros as well so windows, siding, doors
Speaker 2: and more including painting. Kang has what you're looking for
Speaker 2: Kwindows dot com. Go with a sure thing Denver's best
Speaker 2: roofer Excelroofing dot com. You don't pay a cent until
Speaker 2: you're contenth time for an insurance check up free, no obligation.
Speaker 2: In comparison, call Compass Insurance paying too much your coverage
Speaker 2: at dozens of insurance companies find out now three all
Speaker 2: three seven seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three all three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martine here, Welcome to the show. Three oh three
Speaker 2: seven on three talks seven on three A two five five.
Speaker 2: All right, we have some breathing room here. We're gonna
Speaker 2: take Stephanie Thomas from Coldwell Banker in Colorado Springs. Somebody
Speaker 2: wants to know what that we danced all around at
Speaker 2: talking about for sale by owner and they want to know. Basically,
Speaker 2: they said, what exactly do you pay to have your
Speaker 2: home sold?
Speaker 16: So?
Speaker 2: What are the commission structures right now that you normally
Speaker 2: see the market unfortually?
Speaker 5: There's not a normal. There's not a normal. There's not
Speaker 5: anything set in stone, right.
Speaker 2: Is there a conventional?
Speaker 18: No?
Speaker 1: IM?
Speaker 5: And I think that's a subject way.
Speaker 2: So when you go to list a home, or you
Speaker 2: go to buy a home for someone, you negotiate it
Speaker 2: right there.
Speaker 5: You can negotiate with that individual agent.
Speaker 6: I think I have to be fairly careful here in
Speaker 6: giving any type of industry average anything like that, because
Speaker 6: of those you know, past lowsuits.
Speaker 2: Those lawsuits said you're not allowed to all do something together.
Speaker 5: We can't.
Speaker 6: But I don't even think we're allowed to publicly talk
Speaker 6: about numbers or averages or I think that's so.
Speaker 2: Really, but but well, let's put it this way, because
Speaker 2: I'm just curious. Is it safe to say they're going
Speaker 2: to pay at least five percent when they sell their house.
Speaker 6: It really depends, honestly, they really need to talk with
Speaker 6: an individual.
Speaker 2: Everything's negotiable.
Speaker 5: Everything's negotiable.
Speaker 2: So I can have someone list my home. I can
Speaker 2: have someone list my home and say I'm not going
Speaker 2: to pay a penny more than four percent, and then
Speaker 2: that broker and say, well, then find someone else.
Speaker 5: Absolutely they can. And here's the thing. We all have
Speaker 5: our own individual.
Speaker 6: Marketing that we do. We have those costs that we
Speaker 6: account for. Of course, the commission structure that we agree
Speaker 6: to work for. Our contract actually recently came out and changed,
Speaker 6: you know with Coldwell Banker Are I know, our attorneys
Speaker 6: made some edits for us where it goes in and
Speaker 6: addresses because in Colorado, the listing contract previously had an
Speaker 6: x percentage and then it went into define out after
Speaker 6: that in the event that a buyer's agent brought a buyer,
Speaker 6: we would then give X percent of that percentage that
Speaker 6: was agreed upon and that co op compensation we can,
Speaker 6: but it's a little bit different. So Now the contract
Speaker 6: stipulates and says the listing agent or listing company is
Speaker 6: working for x percent. Okay, you as the seller are
Speaker 6: agreeing to a different percentage completely for the a buyer's agent.
Speaker 6: If you're doing that, Coldwell Banker actually has kind of
Speaker 6: taken that verbage out about on our contracts where it's
Speaker 6: now a separate document that says, hey, you're advertising x percent.
Speaker 6: You're giving us permission to advertise, you're offering buyer compensation
Speaker 6: of x percent. So it's really just some housekeeping items
Speaker 6: on how they're defining that differences out. So before, for instance,
Speaker 6: if you had a four percent or five percent or
Speaker 6: six percent or whatever, that looked like whatever you agreed
Speaker 6: upon and then it was split x and X.
Speaker 5: Now it's like you've got one percentage and you have
Speaker 5: another percentage.
Speaker 2: Really now it is defined so it's differently. And then negotiation.
Speaker 5: Absolutely, so your listing percentage, of course would be between
Speaker 5: the listing agent and the seller.
Speaker 2: That's could the listing agents say I'm not paying I'm
Speaker 2: not paying the buyer broker you absolutely they can, really, yes,
Speaker 2: that's always been something that's been you know, the goal.
Speaker 2: If the listing agent says we're not going to pay
Speaker 2: a buying broker, then the buying broker would have to
Speaker 2: get that money from their clients.
Speaker 6: Absolutely, and that happens that That's always been in our
Speaker 6: contract as well, the buyer's agency contract. There is a
Speaker 6: section in there that defines out and you say, if
Speaker 6: I can't get a share, and how that how that
Speaker 6: gets paid?
Speaker 2: It either gets paid by the seller, of the seller refuses,
Speaker 2: then you agree to pay it.
Speaker 5: Correct.
Speaker 2: Yes, this is all very interesting.
Speaker 5: That's been in our contract as long as I've been
Speaker 5: an agent.
Speaker 2: So what was the lawsuit about?
Speaker 1: Really?
Speaker 6: The lawsuit actually started in a different state, you know,
Speaker 6: and it became a national lawsuit and everyone kind of
Speaker 6: got in there together.
Speaker 2: Was what was the main of it?
Speaker 5: Actually commissions.
Speaker 2: You can't have a fixed commission.
Speaker 5: There was some accusations of that.
Speaker 6: I believe it started in another state where an individual
Speaker 6: was told they couldn't change commissions.
Speaker 5: I you know, I was just kind of going back
Speaker 5: on some of the reports that we've got.
Speaker 2: Commissions basically now are totally negotiable.
Speaker 1: That's just it.
Speaker 3: Really.
Speaker 2: Then, I don't understand that there's always.
Speaker 6: An industry average, you know, with any industry, not just
Speaker 6: real estate commissions. But with any industry, you've got an
Speaker 6: averaging an average pricing to be competitive to the market.
Speaker 6: So that's I don't know that that's necessarily gone away.
Speaker 6: I think there's still averages. But what this did is
Speaker 6: not all states had buyers agency contracts, so that has
Speaker 6: now come into play. Colorado's had buyers agency contracts, like
Speaker 6: I said, as long as I've been an agent.
Speaker 2: So now that did not have buyer's agencies.
Speaker 6: They didn't have the contracts. They had buyers agents, but
Speaker 6: the contract was a little bit different. So we have
Speaker 6: the buyer's agency contracts in Colorado's, so we've kind of
Speaker 6: been a little bit ahead of the game. The other
Speaker 6: piece of that is here, Yeah, we no longer are
Speaker 6: advertising any type of buyer's compensation commission on the MLS.
Speaker 6: So the idea there is you can't show, you know,
Speaker 6: you can't see what's going to be offered at that
Speaker 6: point you're negotiating, and then that's going to be between
Speaker 6: you and your buyer, whatever you've agreed to with your buyer,
Speaker 6: got it.
Speaker 2: All, right, Well, that's very very interesting how that's all changed.
Speaker 2: But you're saying it's always been negotiable. I just think
Speaker 2: that there needed to be clarification because I always assumed
Speaker 2: it's a certain amount period and you pay it or
Speaker 2: you don't, or you don't get somebody to work for you. Ernie,
Speaker 2: what's going on with you? You had a question about taxes? Hello, Ernie,
Speaker 2: I'm here, go ahead, Ernie.
Speaker 13: All right, I'm considered blind right now and my taxes
Speaker 13: are going to be fouled. Do I have to pay?
Speaker 13: Is there any exclusions? Are blind people? As far as there.
Speaker 2: Used to be, there actually used to be. And I'm
Speaker 2: not sure if that's still that way. I don't know
Speaker 2: if there's a special exclusion for the blind. We can
Speaker 2: look that up though for you and find out. Hold On,
Speaker 2: let me just ask ai here, Okay, hold on, all right,
Speaker 2: hold on, I'm asking it right now, right now. Let's
Speaker 2: see what they what says I said? Is there a
Speaker 2: special concerting of tax Let's see. Yes, individuals who are
Speaker 2: legally blind are eligible for specific tax benefits on federal
Speaker 2: and state levels. Legally blind taxpayers can claim an additional
Speaker 2: standard deduction on their federal income tax return. So are
Speaker 2: you filing single? Yes, sir, you get an additional nineteen
Speaker 2: and fifty dollars as a deduction. But you you really
Speaker 2: need to talk to an expert. You don't do your
Speaker 2: own taxes, do you, Ernie?
Speaker 13: No, No, I don't. I just wondered sex increase quite
Speaker 13: a bit when let's start taking that minimum retirement.
Speaker 2: I mean, oh, how old are you right now? How
Speaker 2: old are you right now?
Speaker 18: May eight?
Speaker 2: Well, that minimum that minimum distribution happened way back when
Speaker 2: you were seventy two.
Speaker 13: Yeah, it continues right or right through you know. True,
Speaker 13: I don't know how.
Speaker 2: So you're saying your tax rate. You're saying your tax
Speaker 2: rate went up.
Speaker 13: Yeah, well I guess I ain't coming up because they're
Speaker 13: taken four dollars a month they send to me, and
Speaker 13: that's considered income.
Speaker 2: No, of course, that's your minimum distribution. I got it.
Speaker 2: So you must have some retirement put away.
Speaker 4: I have.
Speaker 13: Yeah, I had a couple of dollars put in plan.
Speaker 2: Okay, okay, wow right, so Ernie, so Ernie, okay, So
Speaker 2: basically it is you know, all I can say is
Speaker 2: it is what it is when it comes to that,
Speaker 2: and you do get an extra federal deduction and some
Speaker 2: other deductions, but go to an act tax expert, uh
Speaker 2: and find out more. Okay, because we can't give you
Speaker 2: specific tax. If you had a specific question, we can
Speaker 2: get it for you. We have more coming up on
Speaker 2: the Troubleshooter Show three O three seven to one three
Speaker 2: Talk seven one three eight two five five. Go with
Speaker 2: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Please time
Speaker 2: for an insurance check up free, no obligation comparison call
Speaker 2: Compass Insurance paying too much your coverage at dozens of
Speaker 2: insurance companies find out now three oh three seven to
Speaker 2: seven to one. Help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three oh
Speaker 2: three nine two zero sixteen twenty two.
Speaker 5: I think it's just more clear.
Speaker 2: Hi, Tom Martinez here at three zero three seven to
Speaker 2: one to three talk seven one three eight two five five.
Speaker 2: All right. I have a text here that says, Tom,
Speaker 2: what is your motive? Are you subliminally suggesting a lot
Speaker 2: of medicaid fraud by people who are living in expensive homes?
Speaker 2: I don't think that's the case. I don't think anyone
Speaker 2: with any means is going to choose to be covered
Speaker 2: under Medicaid versus some other health insurance, including Medicare. Care
Speaker 2: under Medicaid is generally pretty sucky, like way substandard. Okay,
Speaker 2: let me address this first when I said Medicare is
Speaker 2: now income based, meaning a lot of older people and
Speaker 2: a lot of people on fixed incomes might have a
Speaker 2: house that's completely paid for, but they don't have much income,
Speaker 2: they are eligible for Medicare or Medicaid. So Medicaid is
Speaker 2: available to people who make less than seventy as a
Speaker 2: single taxpayer seventeen hundred dollars a month of gross income
Speaker 2: of adjusted gross income. If you make more than that,
Speaker 2: you're not eligible. If you make less than that, you
Speaker 2: are eligible. So here's the bottom line.
Speaker 6: You have to.
Speaker 2: Apply on income alone. Is it true that Medicaid has
Speaker 2: pretty sucky service, Absolutely positively.
Speaker 6: No.
Speaker 2: In fact, Medicaid offers some of the best providers and
Speaker 2: some of the best healthcare in the system period. And
Speaker 2: I know that because I know people who do Medicaid
Speaker 2: and they say that the service and the quality of
Speaker 2: care is better than they've ever had in their entire life.
Speaker 2: So that is truly truly misunderstood Medicaid does not mean substandard,
Speaker 2: absolutely positively does not. I am not suggesting medicare fraud
Speaker 2: or medicaid fraud. It is not medicaid fraud. If you qualify,
Speaker 2: you qualify. It doesn't matter if you have an airplane
Speaker 2: or a house, or a boat or a yacht, or
Speaker 2: doesn't matter. It matters income period income when it comes
Speaker 2: to regular medicaid. So there, and I'm not suggesting it's
Speaker 2: fraudulent at all. That's the system and people have a
Speaker 2: right to take advantage of the system. Now, this one
Speaker 2: guy who had a home. Where did he say he was?
Speaker 2: He was in North Carolina, Valdiz, North Carolina. Said he
Speaker 2: had sold houses on his own. He was having trouble
Speaker 2: selling this one. And I said, I think you're asking
Speaker 2: a little too much for the average price in that market,
Speaker 2: because we looked up the average price and it was
Speaker 2: around two eighty and he was asking three ninety, right, Okay,
Speaker 2: So we wondered, why isn't it selling. It's probably priced.
Speaker 2: And what he said was I fixed up the house.
Speaker 2: Most of the those houses selling for cheaper need a
Speaker 2: lot of the upgrades I already did. So that is
Speaker 2: a cautionary tale. Maybe if you have a neighborhood where
Speaker 2: houses are selling, let's say for three hundred, and the
Speaker 2: average home is like three hundred, and they need a
Speaker 2: lot of work, and you do all the work, and
Speaker 2: now you're going to sell for three eighty five or
Speaker 2: four twenty. Is that wise? You know?
Speaker 6: It's it's the rule of thumb is it's always hard
Speaker 6: to be the most expensive home in the area because
Speaker 6: ultimately it's harder to find comparable sales when determining value.
Speaker 2: So it's better to low price in the neighborhood.
Speaker 11: You know.
Speaker 2: Yeah, I if maybe he's justify did he make a
Speaker 2: mistake by fixing up that house too much?
Speaker 5: He may have over improved it. That's the possibility.
Speaker 6: What will happen is they the appraiser, may be able
Speaker 6: to extend the area a little bit as long as
Speaker 6: they stay in a like neighborhood. You know, they do
Speaker 6: have things they won't go outside of, you know, crossing
Speaker 6: major roads or you know, things like that, changing neighborhood
Speaker 6: type to find a home to justify it. But if
Speaker 6: they can't find something that justifies that comprey, yeah, they
Speaker 6: can make some adjustments. My suggestion to this gentleman would
Speaker 6: be to get an independent appraisal and just get you
Speaker 6: know that, get to load down.
Speaker 2: What is it worth, what is it worth? What they
Speaker 2: do you might have over improved it, sir. So here's
Speaker 2: the bottom line. If you're going into a neighborhood and
Speaker 2: you want to improve your house to sell it, don't
Speaker 2: improve it too much. Because some people would rather have
Speaker 2: the affordability of a home than new windows. They might think,
Speaker 2: I can buy this house and live in it at least,
Speaker 2: and I'll get new windows someday. Sure, And there are
Speaker 2: certain and you can always make a concession after you
Speaker 2: get the contract. Yeah, you can definitely, you know, put
Speaker 2: it in the contract.
Speaker 6: You're in inspections and things like that. But you know,
Speaker 6: one thing, you just want to be cautious not to
Speaker 6: do that. Or I had a you know, a transaction
Speaker 6: where the property was so overimproved and we had that
Speaker 6: were renovated comps and this one, you know, was just
Speaker 6: so much higher improved that they came in, you know.
Speaker 5: Really over the top in pricing and there was no
Speaker 5: justification for it.
Speaker 6: So they pulled comps from different towns in the same uh,
Speaker 6: in the same county, And.
Speaker 5: That's not really going to work.
Speaker 6: I think you need to hyper focus on your location
Speaker 6: and make sure you're good to the location.
Speaker 2: All right three oh three seven one three talk seven
Speaker 2: one three eight two five five. This is the Troubleshooter
Speaker 2: Show where solving problems, answering questions, taking complace. Sketch your
Speaker 2: calls in for anything you need, or you can text
Speaker 2: me at seven four seven nine nine nine fifty two
Speaker 2: eighty seven four seven nine nine nine fifty two eighty
Speaker 2: or on the iHeart short code five seven seven three
Speaker 2: nine put Tom there, go with a sure thing Denver's
Speaker 2: best roofer Excel Roofing dot com. You don't pay a
Speaker 2: cent until you're content, wait on top of it. Time
Speaker 2: for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three all three seven
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three all
Speaker 2: three nine two zero sixteen twenty two.
Speaker 5: Yeah, ripped of.
Speaker 6: News.
Speaker 5: You needed that so you don't have a.
Speaker 2: Camun anxious as fast as we can.
Speaker 12: Shooter's gonna help.
Speaker 4: Come man, This is the Troubleshooter Show now, Tom Martinez, Hello, Hello, and.
Speaker 21: Welcome to the fourth hour of the longest standing consumer
Speaker 21: advocate show in the world. For over forty five years,
Speaker 21: the Troubleshooter Show has been solving your problems and complaints.
Speaker 21: In addition to over three hundred and fifty million dollars covered,
Speaker 21: the Troubleshooter has actually saved our audience millions of dollars
Speaker 21: and avoiding costly mistakes by simply listening to our show
Speaker 21: on a daily basis. I am Deputy Bo along with
Speaker 21: Deputy Dimitri and special guests real estate expert Stephanie Thomas.
Speaker 2: We have three lines open right now, so give us
Speaker 2: a call at.
Speaker 21: Three oh three seven, one, three eight, two five five
Speaker 21: or three oh three. Martino, the founder of the Troubleshooter Show,
Speaker 21: Mister Tom Martino is here now.
Speaker 2: All right, bo, Okay, you know what I'm gonna do. Ah,
Speaker 2: that's a good open, good open. Thank you so much.
Speaker 2: That's a hard act to follow. So what we're doing
Speaker 2: today is uh trying to solve your problems. And I
Speaker 2: have some texts I want to get to I told
Speaker 2: you you could text me at three zero three excuse me,
Speaker 2: seven four seven nine nine nine fifty two eighty And
Speaker 2: I got this link and I'm not sure what it said.
Speaker 2: It says realtor something something, and it is about the
Speaker 2: do's and dones of listing homes and all that. Do
Speaker 2: you do social media like that's Stephanie, I.
Speaker 5: Don't you know.
Speaker 6: I use social media to get a good audience for
Speaker 6: my listings, to you know, give buzz for open houses
Speaker 6: things like that, But I don't do all the little
Speaker 6: videos and you know, things that you see some of
Speaker 6: the agents doing on TikTok.
Speaker 2: Yeah, there's so many ages on TikTok or on Instagram
Speaker 2: or on YouTube trying to give advice. Okay, So somebody
Speaker 2: wants to know what's the hardest kind of house to sell? Okay,
Speaker 2: I don't even know what that means. What do they
Speaker 2: mean by that? What's the hardest? What would like like
Speaker 2: a single family, one bedroom? There are no bunvit.
Speaker 6: I think the hardest home to sell something that's really
Speaker 6: informing to the area. So, for instance, if you have,
Speaker 6: you know, a home that is eight thousand square feet
Speaker 6: overbuilt for the area, surrounded by homes that are typical,
Speaker 6: you know, say twenty five hundred square foot, you know,
Speaker 6: just giving some examples.
Speaker 5: That home is overbuilt for that area, so it's going
Speaker 5: to stick out.
Speaker 6: I do think that's going to be a harder sell
Speaker 6: because most of the homes in that area, you know,
Speaker 6: and just giving random offhands, it might be four hundred
Speaker 6: thousand when you look at this other home being so
Speaker 6: much larger, so much more substantial, you know, potentially valued it,
Speaker 6: say over a million, and then you've got a million.
Speaker 5: Surrounded by homes that just are completely different.
Speaker 2: So you don't want to have the most expensive home. Also,
Speaker 2: you want to be conforming. I know a woman one
Speaker 2: time who built a log cabin in Denver. In Denver,
Speaker 2: she couldn't sell it. She wondered, why who's going to
Speaker 2: buy a log cabin in Denver in a regular neighborhood.
Speaker 20: Yeah.
Speaker 6: I think that's what gets really hard because areas, you know,
Speaker 6: in neighborhoods and things, you know, your buyers are looking
Speaker 6: in those areas for amenities. So unless you have that
Speaker 6: one off buyer that just happens to fall in love
Speaker 6: with it right and has the means to facilitate that purchase.
Speaker 6: You know, it kind of goes into what we were
Speaker 6: talking about with you know, the gentleman that potentially overimproved
Speaker 6: that property, that has a home that's going to be
Speaker 6: so much more expensive than the others around it. You know,
Speaker 6: it just becomes a difficult position.
Speaker 2: Of course. Now there's another one, find the value too.
Speaker 2: There's another one. I think people severely limit themselves when
Speaker 2: they do Frank Lloyd wrong or Frank Lloyd right. You
Speaker 2: know these modern looking boxes with steel and grays and glass.
Speaker 2: H I mean, now there might be people listening, but
Speaker 2: we call them modern, which is funny because they look
Speaker 2: the same. In nineteen sixty we used to call a modern.
Speaker 2: We still call a modern because no one's ever caught
Speaker 2: up with it. But there was always a concept by
Speaker 2: Frank Lloyd Wright of what houses would look like. And
Speaker 2: they look like alien spaceships, or they look like dental
Speaker 2: offices or something, and then they become a home. And
Speaker 2: I jokingly call it Frank Lloyd wrong. Now that's one
Speaker 2: of the most Frank Lloyd Wright was one of the
Speaker 2: most prolific successful architects in the world. But Frank Lloyd Wrong.
Speaker 2: Homes in a neighborhood you have conventional beautiful brick homes,
Speaker 2: Stuckleholmes beautiful homes. Then you have this thing that looks
Speaker 2: like a library or or an office at NASA. You
Speaker 2: know that with steel and glass and square. Have you
Speaker 2: seen those? I've seen some of those, and you know
Speaker 2: you got to find the special buyer for that you do.
Speaker 6: And I think a really good rule of thumb is
Speaker 6: whenever you are doing any type of improvement to your
Speaker 6: home you want and you're doing it with the intent
Speaker 6: to sell, you know, you want to do it so
Speaker 6: that you are going to appeal to the masses and
Speaker 6: not just a specific amount, you know, a smaller amount
Speaker 6: of potential buyers. You know, anytime you overly specific do
Speaker 6: something like that, whether it's super ultra modern or you know,
Speaker 6: maybe you take out all your bedrooms and create one
Speaker 6: giant suite because that facilitates your need. Well, what you've
Speaker 6: done is you've taken you limited your buyers, limitted your buyers.
Speaker 6: Anytime you limit your buyers like that, your financial gain
Speaker 6: is potentially limited as well.
Speaker 2: And that goes for like neighborhoods on golf courses and everything.
Speaker 2: Golf courses might be the most beautiful thing in the world,
Speaker 2: but there are some people won't pay for it.
Speaker 6: Absolutely, you've got that specific buyer looking for that that's
Speaker 6: going to go in and of course.
Speaker 2: Justine and then like in Florida, you have communities with
Speaker 2: docks with swimming pools, you have airport communities in Florida,
Speaker 2: a lot. You have a couple here in Colorado, which
Speaker 2: is the most dumb thing you could ever do. As
Speaker 2: much as I love aircraft, I mean, to buy an
Speaker 2: airport property, do you know you have to not only
Speaker 2: find a guy who wants to buy that, but a
Speaker 2: wife that will go along with it. I mean, I mean,
Speaker 2: if you think about it, how severely limiting is that market?
Speaker 2: So anything to now horse properties, that's another thing that's
Speaker 2: not as severely limiting because people will live. They'll live
Speaker 2: in a horse property even if they don't have a horse.
Speaker 9: Yeah.
Speaker 6: Somebody who just wants some space, right right, So that's
Speaker 6: something that it becomes a feature when they go to market.
Speaker 2: Lives on a horse property. Yeah, but he doesn't have horses.
Speaker 2: But see, they just wanted the space. So really, by
Speaker 2: the way, I got this text which is very interesting saying,
Speaker 2: look at this instagram concerning realtors and commissions. Take a
Speaker 2: look at this guy from Boulder who thinks the real
Speaker 2: estate industry is a cartel and his goal is to
Speaker 2: disrupt the industry with an AI assisted company called for
Speaker 2: sale by owners and sellers that don't want to pay
Speaker 2: enormous commissions to realtors that offer little value. See I
Speaker 2: doubt see. I don't know realtors who charge commissions and
Speaker 2: offer little value, because the only ones I really know
Speaker 2: are you and Frank Duran. And I can say in
Speaker 2: almost every single not almost, in every single case I've seen,
Speaker 2: you guys have outsold the market. And I don't think
Speaker 2: there's any way an individual with one house one perspective
Speaker 2: could ever see. You look at the overview and you're thinking,
Speaker 2: wait a minute, I had a house like this over
Speaker 2: and such and such, and I was able to do this,
Speaker 2: this and this, let's start out here and we're going
Speaker 2: to get this price. I don't think an individual can
Speaker 2: do that. And I certainly don't know what the how
Speaker 2: shall I put it, what this industry can offer. I
Speaker 2: might play some of it on some of this Instagram
Speaker 2: on it, but I let's say, yeah, I'm just interested. Again,
Speaker 2: he's talking about selling a home let's see can you
Speaker 2: I don't even know if I can hear this over
Speaker 2: the air, but let's see you. No, I'm not getting
Speaker 2: his audio. Oh wait, wait, you're new here or this
Speaker 2: is coming over the air algorithm. Here's a little background.
Speaker 20: A few months ago, I decided that I wanted to
Speaker 20: sell my house in Colorado without an agent, and that
Speaker 20: process opened my eyes to just how broken the system
Speaker 20: of buying and selling homes is in the United States,
Speaker 20: and it prompted me to start a new company called Ridley.
Speaker 2: Our mission with Ridley is very seat of this guy.
Speaker 20: If you want to help consumers save tens of thousands
Speaker 20: of dollars unnecessary commissions by building a platform that leverages
Speaker 20: AI to automate much.
Speaker 2: See, I don't believe they are unnecessary commissions, except now
Speaker 2: there are scenes of giving people the ability to bring
Speaker 2: intuity support only when they need it.
Speaker 20: So I incorporated this company. Like twenty seven days ago,
Speaker 20: I raised a preced investment. I've hired two engineers, a
Speaker 20: data scientist and a product designer, and we are probably
Speaker 20: two weeks away from having our MVP complete. An MVP
Speaker 20: is basically your minimally viable product, or like the first
Speaker 20: product that you can take to market to begin to
Speaker 20: test with.
Speaker 2: Well.
Speaker 20: Okay, so meanwhile, we already have a handful of sellers
Speaker 20: that are in our manual beta who are combined on
Speaker 20: track to save well.
Speaker 2: Right, so his host stick is doing away with brokers
Speaker 2: and be able to do it yourself. There's nothing wrong
Speaker 2: with you yourself. But I'm going to tell you something.
Speaker 2: There's way more to it, way more to it than
Speaker 2: putting up a sign. And I will tell you this.
Speaker 2: That guy was talking about a lot of realtors that
Speaker 2: I and I agree with him on it, that there are.
Speaker 2: I used to have this expression. Somebody said, oh, it's vulgar,
Speaker 2: don't use it listing whores. Okay, now I know it's.
Speaker 2: What I mean is they list list list list list,
Speaker 2: put signs up and do nothing, and they let other
Speaker 2: people sell the homes they're listing horse. They do nothing
Speaker 2: proactive to sell their own listings. They all they do
Speaker 2: is put their yards sign is as many yards as
Speaker 2: they can, hoping that other people do the work for them. Now,
Speaker 2: there are still people like that, you know there are.
Speaker 5: That's not how I operate, well, of course not.
Speaker 2: Of course, you wouldn't be here if you know, no, no, no, no.
Speaker 6: But one thing that I always do, and kind of
Speaker 6: a mantra of myself, is you know, it's service over sales.
Speaker 6: So rather than that numbers game, I'm looking to put
Speaker 6: my clients in the best possible position that I can,
Speaker 6: and I guide them throughout that entire position, besides my
Speaker 6: marketing plan, besides the reach that I have, you know,
Speaker 6: with the company I have backing me because we've got
Speaker 6: some fabulous marketing tools, which is ultimately why I'm at
Speaker 6: Cold World Banker.
Speaker 2: No, no, look at well. I think guys that list
Speaker 2: a home and do nothing, the hell with them. And
Speaker 2: you know, but I've seen what a good broker can do,
Speaker 2: and they almost always get way more money. But not
Speaker 2: only that, they know how to negotiate. I have a
Speaker 2: buyer broker right now in North Carolina. I shouldn't say that,
Speaker 2: but it's in North Carolina. And the reason I say
Speaker 2: that is I agreed to keep quiet on my areas
Speaker 2: we bought into with vester Era. So I have Vestera
Speaker 2: Turnkey and Vesarah Turnkey helps people become landlords in markets
Speaker 2: right with promising equity, good rents. And I started with
Speaker 2: my Wave eight Wealth Management, I had people that wanted
Speaker 2: to do Vestera, but they didn't want to do it alone.
Speaker 2: They want in other words, and Barry, because he's not
Speaker 2: a securities broker, he can't do he can't pull money.
Speaker 2: So what I did was started some outside business interests
Speaker 2: from Wave eight and I did separate LLCs where we
Speaker 2: own a property. So these are people that want to
Speaker 2: be part of turnkey, but they don't want to make
Speaker 2: the whole investment themselves, and they don't want to be
Speaker 2: on the hook for a loan. So I do the LLC,
Speaker 2: I take out the loan, and I gather people who
Speaker 2: want to invest less. I have a buyer broker. I
Speaker 2: swear to God that this guy, I have never seen
Speaker 2: this level of starch. Now I'm not saying here, I've
Speaker 2: never used you as a buyer. Listen to what he did.
Speaker 2: He lines it up, he does negotiating, He makes the offers.
Speaker 2: He then lines up the inspection, He lines up the
Speaker 2: people to mitigate inspections, He lines up the appraiser. He
Speaker 2: does everything. I don't do anything. I mean nothing. He
Speaker 2: just sends me docu signed documents. Those people to me
Speaker 2: are worth every single penny, every single penny. Yeah, we
Speaker 2: do a lot, Dmitri, did you.
Speaker 12: Want Yeah, well I do have a question for Stephanie.
Speaker 12: If this is an appropriate time, yeah, let's.
Speaker 2: Do it right after the break. Give the question and
Speaker 2: we'll come back to it.
Speaker 12: Well, you'll take me a minute to even first, Okay.
Speaker 2: Then here's what we'll do. We'll come back to that more.
Speaker 2: Get your calls in three oh three seven on three eight,
Speaker 2: two five five A spirited discussion on real estate. And
Speaker 2: I want to look into more of that guy in
Speaker 2: Boulder who wants to disrupt the industry. I'm gonna listen
Speaker 2: to some of his social and see if I can
Speaker 2: play one or two of them on the air. We
Speaker 2: got more coming right up. Go with a sure thing
Speaker 2: Denver's best rufer exceling dot com. You don't pay a
Speaker 2: cent until you're content. Time for an insurance checkup free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three all three seven to seven to one help. You'll
Speaker 2: think you're his only customer when you choose Frank durand
Speaker 2: the real Estate Man dot com to list your home
Speaker 2: with Remax Alliance three all three nine two zero sixteen
Speaker 2: twenty two. Hi Tom Martino here at three oh three
Speaker 2: seven one three talks seven one three eight two five
Speaker 2: to five. So I happened across the social media of
Speaker 2: a guy started a company called Ridley and he wants
Speaker 2: to disrupt the real estate industry. He's not the first
Speaker 2: one and want to do that. And I'm not putting
Speaker 2: this guy down, by the way, but somebody texted me
Speaker 2: about him and said what he's doing. He has an
Speaker 2: AI assisted company, and if the truth be known, everyone
Speaker 2: has AI assisted companies right now. But apparently he wants
Speaker 2: to disrupt it. He believes that real estate people are
Speaker 2: not doing their job. Now, I'll grant you there, there
Speaker 2: is something to be said about listing whorees that put
Speaker 2: All they do is list as many homes as they
Speaker 2: can and play the odds and have other people sell them.
Speaker 2: There are people that don't do their job, Sephanie Thomas,
Speaker 2: you know you and Frank are an exception. You really
Speaker 2: are not just saying this, but truly, there are real
Speaker 2: estate people that give your industry a bad name, right,
Speaker 2: I mean, they don't do their job.
Speaker 6: There are some, and there are you know, but there
Speaker 6: also are some very amazing advocates.
Speaker 2: No, now, I want to play this one thing right
Speaker 2: here is little secret for you.
Speaker 20: Real estate agents are not lawyers, even though many like
Speaker 20: to pretend like they are. One of the biggest fears
Speaker 20: that I've heard from this community as to why they
Speaker 20: choose No.
Speaker 2: Now, I want to say something about that. Actually, in Colorado,
Speaker 2: in the statute where that deals with licensing of real
Speaker 2: estate brokers, it actually says that real estate brokers in
Speaker 2: the state of Colorado have a limited practice of law
Speaker 2: having to do with the transaction at hand. They literally
Speaker 2: are licensed to practice limited law for the negotiation and
Speaker 2: process and consultation of the contract. Did you ever read that?
Speaker 2: Did you ever read that? Yes, and people don't understand that.
Speaker 2: But they actually can act as lawyers for that transaction
Speaker 2: and their client's best interest.
Speaker 6: Yes, we can write contracts right within those states and
Speaker 6: negotiate them and rewrite them, and do get and advise
Speaker 6: them on the contract.
Speaker 8: We can.
Speaker 6: Our contract also does stipulate and say that it is
Speaker 6: a legal document and that we are not an actual attorney.
Speaker 2: Right.
Speaker 5: They can have them.
Speaker 20: Reviewed, right of course, and they should, in my opinion,
Speaker 20: ought to represent themselves in a real estate transaction is a.
Speaker 2: Legal risk, and I get it.
Speaker 20: Contracts, disclosures, contingencies, it all sounds like a total minefield.
Speaker 2: But here's the reality.
Speaker 20: Most real estate contracts are just standardized templates. Agents are
Speaker 20: not drafting big legal agreements.
Speaker 2: That's true.
Speaker 5: Yes, we do have a standard contract that we fill out.
Speaker 6: And then you have additional provisions, provisions we write things.
Speaker 2: Okay, so by the way, let me just turn them off.
Speaker 2: I like people who want to improve industries and stuff,
Speaker 2: but I don't see, really the real estate industry is
Speaker 2: being broken right now. I just feel like there's a
Speaker 2: lot of people that don't do their job. But what
Speaker 2: can you do about that? You weed them out. A
Speaker 2: lot of people go with friends and friends. They don't
Speaker 2: actually investigate a real estate broker. They don't investigate the
Speaker 2: track record. So the question is how do you do that?
Speaker 2: How do you do it? So let's ask how would
Speaker 2: you check out a real estate person? Am I allowed
Speaker 2: to ask? I'd like to know the last ten people
Speaker 2: you've closed, and can you ask about their performance? Of
Speaker 2: course you can, right, I.
Speaker 5: Don't know that I would give out names without my
Speaker 5: client situation.
Speaker 2: How about days on market? What did you sell it
Speaker 2: for what was the asking price?
Speaker 6: Things like that, Yeah, you know, and for me personally
Speaker 6: in that arena, I take on such a diverse I
Speaker 6: guess property types and special circumstances. So sometimes like just
Speaker 6: you know, my statistics and things are not always you know,
Speaker 6: I take.
Speaker 2: They're not always at they're not always sale because.
Speaker 6: I'm taking on homes that are going to be more difficult, right.
Speaker 5: But one thing that I do, even in.
Speaker 6: That type of an instance is I am keeping my
Speaker 6: client fully in fold. I'm giving them, you know, updates
Speaker 6: on views. I mean, it's a process in working with me.
Speaker 6: I'm not the agent that disappears.
Speaker 5: And you hear you see me put a sign up
Speaker 5: and I show up at clothes. It's not how it works.
Speaker 2: Now, somebody asks, really, if you don't have a real
Speaker 2: estate broker and you do it for sale by owner,
Speaker 2: how do you deal with other agents? And that's a
Speaker 2: good question. So you would have to when you advertise
Speaker 2: probably say what something about a co op or not?
Speaker 2: I mean like like do you shy away from for
Speaker 2: sale by owners? Now, if you are a buyer broker
Speaker 2: and you see somebody selling a house, do you think
Speaker 2: to yourself, I want to stay away from that.
Speaker 8: Not at all.
Speaker 6: If it's the house that fits my client's needs, then
Speaker 6: I would have.
Speaker 2: How does that work? You negotiate with the owner then.
Speaker 6: Directly, I would so keep in mind, I've already negotiated
Speaker 6: with my buyer what my commission is going to look
Speaker 6: like in my contract, right and I have that's between
Speaker 6: my buyer and myself.
Speaker 5: So then I would go to this owner of this home.
Speaker 6: I would disclose my position as my client's agent, because
Speaker 6: we have to make a formula.
Speaker 2: I'm representing this person who's interested in your house? Now
Speaker 2: do you ask the seller?
Speaker 6: Would ask them, you know, are you willing to pay
Speaker 6: to cover any commissions? Because I do, you know, depending
Speaker 6: on the agreement, I have to get my agent or
Speaker 6: my buyer.
Speaker 2: I don't have to inform them, So okay, Dmitri Deputy
Speaker 2: d had a question he wanted to give to Stephanie.
Speaker 14: Go ahead, Stephanie, it's so nice to have a real
Speaker 14: estate professional to ask all these questions. Go ahead here, Hey,
Speaker 14: Not long ago, I went looked at some five acre
Speaker 14: properties kind of like around the Sedalia area much to
Speaker 14: build a home. And I drove past a property that
Speaker 14: was neighboring one that I was looking at, and it
Speaker 14: was a beautiful home built on like a modern, very
Speaker 14: stately home. And I was surprised to see a couple
Speaker 14: of cows hanging around in the back of the house.
Speaker 14: And I was told and as I drove around the neighborhood,
Speaker 14: I saw miniature donkeys things like that, And somebody told
Speaker 14: me that's because these homes or these properties get some
Speaker 14: sort of an ag taxation level as opposed to a
Speaker 14: regular residential taxation level.
Speaker 2: How does this work?
Speaker 5: That's going to be something. Honestly, you're going to have
Speaker 5: to talk with the county directory.
Speaker 2: I can't what were you. I wasn't paying attention. I
Speaker 2: was reading a text. You're you're asking, how do you
Speaker 2: change the nature of the zoning?
Speaker 18: Well, no, I was.
Speaker 14: So I saw a couple of cows hanging out behind
Speaker 14: a three million dollar home, and I was told that
Speaker 14: it was probably because they added the cows in order
Speaker 14: for that property to qualify first.
Speaker 2: Now ag land, No, that's not true. No, here that works.
Speaker 2: Let me explain this to you. You don't ever have
Speaker 2: to have a cattle, any cattle to be agg if
Speaker 2: it's zone at its own act, you go on there,
Speaker 2: you don't have to do anything. You don't have to
Speaker 2: buy cows, you don't have to do that's a misnomer
Speaker 2: or a misunderstanding. So how do you can go from
Speaker 2: residential to agricultural? If you are big enough and fit
Speaker 2: all the criteria, and then you have to go or criteria,
Speaker 2: you have to go around to the neighbors and get
Speaker 2: the adjacent property owners, and it's a zoning change. Very
Speaker 2: seldom do people go from regular residential to agriculture. Usually
Speaker 2: the agriculture and residential areas have been preset in a
Speaker 2: masterplan and zoning and they stay that way. So if
Speaker 2: you move into an ag property and you don't use
Speaker 2: it for ag you're not going to have it taken away. Oh,
Speaker 2: they don't take it away. It's an ag property. Now,
Speaker 2: in some cases, when you try to become ag you
Speaker 2: have to show an agricultural purpose, which is weird. But
Speaker 2: you don't have to do it the other way around.
Speaker 2: You don't have to do it to maintain it and
Speaker 2: to keep it. Very seldom will the taxing authorities bother
Speaker 2: you saying, by the way, you don't have any cattle here,
Speaker 2: why are you paying agricultural taxes? Because I'm in an
Speaker 2: agri cultural area. And I've dealt with this for so
Speaker 2: many years. When I developed subdivisions, we had agricultural zoning.
Speaker 2: We had thirty five acres lots, and people paid very
Speaker 2: low taxes compared to the amount of home and everything
Speaker 2: they were putting on there. So it was a benefit
Speaker 2: to have agricultural zoning. But you don't go there and
Speaker 2: change it to agricultural easily, and a couple of cows
Speaker 2: won't do it either. But one of the easiest ways
Speaker 2: to get agricultural zoning would have adjacent property that's already agricultural.
Speaker 2: Then you have the neighbors who say, yeah, fine, because
Speaker 2: then you have your land is opened up for grazing
Speaker 2: unless you fence them out.
Speaker 14: Oh and then would I have to go out and
Speaker 14: buy some animals. No, oh no, you can just if
Speaker 14: you're adjacent.
Speaker 2: If you're adjacent to agricultural property, you can have grazing land.
Speaker 2: You don't have to have the you don't have to
Speaker 2: have cattle to have grazing land. And because of the
Speaker 2: fence out provisions in the state, which says if you
Speaker 2: want to keep cattle from great, you got to fence
Speaker 2: him out. Then you just tell your neighbors, by the way.
Speaker 9: Have at it.
Speaker 12: Oh what if my neighbors don't have any cows, Well.
Speaker 2: Then it doesn't matter. They very seldom get into the weeds,
Speaker 2: no pun intended. It's just about the actual use of
Speaker 2: the property. Now sometimes they can. They might be getting
Speaker 2: more straight because they don't want to lose uh the
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Speaker 2: I'm Tom Martino, You're troubleshooter three O three seven to
Speaker 2: one three talk seven one three eight two five five.
Speaker 2: I so sympathize with people who are looking for relief
Speaker 2: from pain from these elbows, shoulders, arms, legs, back, lower back, neck,
Speaker 2: and we go to such incredible lengths. I can't tell
Speaker 2: you how much I invested in all of not all,
Speaker 2: in many of these so called solutions or cures. And
Speaker 2: I'm just going to tell you this straight up. There
Speaker 2: is no cure, no cure for arthritis. Most everything comes
Speaker 2: from inflammation. Inflammation is the first part of pain, and
Speaker 2: I'm not talking about just inflammation of one joint. I'm
Speaker 2: talking about systemic inflammation, usually caused by something called glycation,
Speaker 2: which is sugar in your blood everything. Sugar's the root
Speaker 2: of all no carbs and sugar. It's because a bowl
Speaker 2: of pasta, a bowl of sugar, and a bowl of
Speaker 2: potatoes are exactly the same. People think they're different, they're not.
Speaker 2: You may have some different times of absorption into your
Speaker 2: blood system, which can be more healthy I guess, a
Speaker 2: more healthy poison. You could have something that is absorbed
Speaker 2: slower and it has a better glycemic indexed And if
Speaker 2: you combine that with fiber, you could have a healthful
Speaker 2: food and the sugar is not going to hurt you.
Speaker 2: I don't want to get into that. What I want
Speaker 2: to say is this, So you have a combination bill
Speaker 2: of ingredients and they're all mixed, matched, and they give
Speaker 2: it a name, but it all boils down to some
Speaker 2: of the best joint and tendon support in supplements glucosamine,
Speaker 2: chondroit collagen, something called MSM it's methyl sulfony methane. And
Speaker 2: then you have omega three fatty acids. Preotine also helps,
Speaker 2: and protein, vitamin D, magnesium what you're going to find,
Speaker 2: and sometimes tumoric as anti inflammatories. So what you will
Speaker 2: find all of these are going to be mixed in
Speaker 2: a formulation and sold to you as something magical like
Speaker 2: omega xl okay. So if you're asking my opinion on
Speaker 2: any of these, I'm going to tell you they all
Speaker 2: have Literally they all have the stuff you need to
Speaker 2: support your joints and your tendons and your muscles. But
Speaker 2: you can buy the supplements on your own and pay
Speaker 2: much less than these formulations. Does that make sense to you? Bill?
Speaker 2: Is Bill still there?
Speaker 13: Yeah?
Speaker 7: Can you hear me?
Speaker 2: Ton? Hello? Yes?
Speaker 14: I can.
Speaker 2: So do you have any follow up questions?
Speaker 1: Who my brother does ostel ostel biflex?
Speaker 6: And I'm sure it's the same same answer.
Speaker 2: Well, it is what what what condition does he have?
Speaker 2: What condition it does he have? I'm not a doctor.
Speaker 2: I mean, I'm just asking.
Speaker 7: I know, I don't want to hear you're talking.
Speaker 1: Everything is everything you mentioned.
Speaker 7: I told him the best plant, the best thing is exercise.
Speaker 13: But that's that's all I can say.
Speaker 2: Well, you know again, I'm not I'm not going to
Speaker 2: pretend I know medical and medicine and health, but I
Speaker 2: will say this movement lotion. Motion is lotion. If you
Speaker 2: don't move it, and if you start catering to it,
Speaker 2: you compound your problems. Now, that doesn't mean you know
Speaker 2: if somebody has a crack or something in their hip.
Speaker 2: I don't want to tell people to work out if
Speaker 2: they shouldn't be working out, But in most cases you're right.
Speaker 2: For osteoporosis, for arthritis, for any of that movement. It
Speaker 2: helps movement and keeping yourself in motion. Also, light weight
Speaker 2: and stretching. Stretching is important to keep you limber. And
Speaker 2: then lightweights. I don't mean lightweight, but I mean weights
Speaker 2: that you can exercise the muscle and keep it fit
Speaker 2: because we're going to atrophy. I bet you bet our age,
Speaker 2: I say our age. How old are you, sir?
Speaker 7: I'm seventy six, going to be seventy seven here shortly?
Speaker 2: Okay, we're in the same group. I'm seventy one. So
Speaker 2: here's the bottom line. At our age, you atrophy. If
Speaker 2: you don't do anything, your muscles are going to deteriorate
Speaker 2: two to four percent a year just sitting there. So
Speaker 2: you want to do anything it takes. And you know
Speaker 2: here there are two exercises that are the best exercises
Speaker 2: in the entire world. One is walking, yep, and one
Speaker 2: is swimming. Out as far as walking, when they did
Speaker 2: the Blue Zone Study of longevity, they found that walking
Speaker 2: was in common with everyone who had the longest life spans.
Speaker 2: And it is not even vigorous walking, just walking. Just
Speaker 2: walking the number one most underrated exercise in the world.
Speaker 2: Speed Walking is pretty good, but it can be hard
Speaker 2: on joints. Running is not good for you, even though
Speaker 2: running enthusiasts will tell you it is. It is not
Speaker 2: good for you it artificially. It puts too much stress
Speaker 2: on your joints and on everything. So again, you know,
Speaker 2: if people love it as a passion, I'm not going
Speaker 2: to tell them not to do it. Cycling is a
Speaker 2: wonderful form of exercise as well. But what you should
Speaker 2: do you go to a whole foods or you go
Speaker 2: somewhere where they have supplements or I like life extension
Speaker 2: I think it's called Life Extension online or Amazon, and
Speaker 2: you order, you order the substances that are known to
Speaker 2: support joints and tendons and muscles, and you can look
Speaker 2: that up anywhere, just google it and then get a
Speaker 2: few of these substances. Yeah. So so bottom line, Bill,
Speaker 2: don't don't fall for these fricking cures and magic formulas.
Speaker 2: I can't stand them. And you know what, I really
Speaker 2: I know. Relief Factor is a really really big advertiser
Speaker 2: on all radio and some of my affiliates and some
Speaker 2: of my people might be upset with me saying this,
Speaker 2: but there's nothing magical about it. Thank you for calling
Speaker 2: three oh three, seven to one, three talks seven one
Speaker 2: three eight two five five