WEBVTT

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<v Speaker 1>Yea ripped of.

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<v Speaker 2>News, need advice? Who you don't have the.

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<v Speaker 3>Come running just.

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<v Speaker 2>As fast as we can. Shooter's gonna help Come man,

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<v Speaker 2>This is.

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<v Speaker 4>The Troubleshooter Show. No Tom Martino, Hello.

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<v Speaker 2>Tom Martino here, Welcome to the show. Three oh three

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<v Speaker 2>seven one three talks seven one three eight two five five.

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<v Speaker 2>We're here to help you solve problems, answer questions taking place,

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<v Speaker 2>make your life a little easier. This hour brought to

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<v Speaker 2>Let's just give this number out three oh three eight

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<v Speaker 2>six two five five five four. All right, now we

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<v Speaker 2>have callers here, but we also have if you're streaming,

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<v Speaker 2>you'll see I have lovely Stephanie Thomas with us from

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<v Speaker 2>Colorado Springs. And Stephanie, you're with Coldwell Banker Coldwell Banker

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<v Speaker 2>real Estate. Yes, and you've been a broker for how

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<v Speaker 2>long now?

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<v Speaker 5>Fourteen years?

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<v Speaker 2>This market? Is it good batter in between? Or how

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<v Speaker 2>do you explain the market in the Springs area? We

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<v Speaker 2>have a big Springs audience, you know.

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<v Speaker 6>Right now it's it's really interesting and it kind of

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<v Speaker 6>feels a little bit like a roller coaster.

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<v Speaker 5>I was just having this conversation with my managing broker.

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<v Speaker 6>And Michael with this where it's really kind of and

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<v Speaker 6>he put it perfectly when he said, the tale of two.

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<v Speaker 2>Markets, so within one, yes makes it, you know, no.

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<v Speaker 6>Rhyme or reason as far as pricing goes or things

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<v Speaker 6>like that. But what we're seeing is some homes are

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<v Speaker 6>selling very quickly.

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<v Speaker 5>Multiple offers.

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<v Speaker 6>Out of the last three offers I've written for buyers,

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<v Speaker 6>two of which were multiple offers, and thank goodness, we

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<v Speaker 6>were able to get.

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<v Speaker 5>Under contract on both. But it's it's just been interesting.

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<v Speaker 6>And then we have additional properties and homes that we're

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<v Speaker 6>seeing days on markets start to really extend out of

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<v Speaker 6>the current active.

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<v Speaker 2>Can you give okay, can you tell which homes move

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<v Speaker 2>and which don't or is it not just a price range.

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<v Speaker 6>You know, is range specific or even necessarily area.

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<v Speaker 5>My experience has just been it's.

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<v Speaker 2>Just happhazard lover. Really.

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<v Speaker 6>I have seen homes, you know, the homes that look

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<v Speaker 6>more market ready.

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<v Speaker 5>Of course those get great activity quicker.

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<v Speaker 6>But your homes that should you know, look good on market,

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<v Speaker 6>you know, would get that you would think of a

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<v Speaker 6>strong buyer response, aren't necessarily getting that. I think town homes, condos,

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<v Speaker 6>you know, that multi family market is still moving slower

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<v Speaker 6>of course than single families, and.

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<v Speaker 2>Now a lot of people have got a lot of

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<v Speaker 2>people they don't want to go into that multi family

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<v Speaker 2>anymore because of the the hoas and the insurance situation

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<v Speaker 2>they end up self insuring. I mean, it's terrible, it's

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<v Speaker 2>a terrible thing anyway. So we have Sephanie Thomas with us,

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<v Speaker 2>but I'm going to go to the phones, as I

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<v Speaker 2>always do. Phone calls get priority. We have James who

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<v Speaker 2>wants to talk about an issue with an enterprise rent

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<v Speaker 2>a car. Hey, James, what's happening with you? Welcome to

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<v Speaker 2>the show. By the way, everyone else can call three

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<v Speaker 2>zero three, seven to one to three talk. That's one

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<v Speaker 2>of our numbers, seven one three eight two, five to five,

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<v Speaker 2>and we're happy to help you. What's going on with

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<v Speaker 2>the Enterprise?

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<v Speaker 3>Can you hear me?

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<v Speaker 2>I sure can, sir?

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<v Speaker 7>Okay, I can hear you.

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<v Speaker 8>Yeah.

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<v Speaker 7>Well, I just got your number from my sister because

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<v Speaker 7>I was telling her about my shaga with the Enterprise.

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<v Speaker 7>On January second, I rented a from Enterprise, a nice

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<v Speaker 7>little Sunday Kona read and was going to drive to

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<v Speaker 7>Palm Springs to meet a friend of mine who was

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<v Speaker 7>going to share the cost of the rental because his

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<v Speaker 7>wife came from Idaho and I was going up, which

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<v Speaker 7>I'm from Idaho but a living in Brago Springs currently.

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<v Speaker 7>And I rented this car, took it to a trailer

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<v Speaker 7>park where I was living in Lake Kinshack, California, and

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<v Speaker 7>it's on a hill, and proceeded. After a couple hours,

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<v Speaker 7>I'd got my laundry together in my trash and loaded

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<v Speaker 7>it up in the hatchback of the car and went

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<v Speaker 7>out to driveway and turned left, and I pushing on

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<v Speaker 7>the brakes, but nothing happened, and I thought, God, this

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<v Speaker 7>is strange, and maybe I so I had to turn.

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<v Speaker 7>It was down hill about forty feet, turned right. My

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<v Speaker 7>momentum kept me to the right, and then I got

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<v Speaker 7>to turn back up hill after about fifty feet.

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<v Speaker 2>But when night, but you had no you had no

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<v Speaker 2>brakes at all.

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<v Speaker 7>Well, when I got to this uphill straight, my brakes worked.

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<v Speaker 7>I didn't roll back, and I went, God, that's really strange.

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<v Speaker 7>And so I thought, I looked, but.

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<v Speaker 2>The brakes were not Did the brake pedal go to

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<v Speaker 2>the floor, Yes.

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<v Speaker 7>But I couldn't tell that because it was in the night.

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<v Speaker 7>I mean, it was just six o'clock in the evening.

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<v Speaker 7>And I looked at the gas pedal and the brake pedal,

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<v Speaker 7>and these new rental cars or new cars are real

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<v Speaker 7>close together, unusual from what I'm used to drive two

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<v Speaker 7>thousand and three Taho.

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<v Speaker 2>And the.

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<v Speaker 7>You know, the brake is quite a ways of way.

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<v Speaker 2>James James, James James. Is it possible that it did

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<v Speaker 2>have brakes the whole time and you were hitting you

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<v Speaker 2>were not hitting them? Or are you sure when you

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<v Speaker 2>hit the brake pedal?

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<v Speaker 7>That's what I was concerned about so I crept up

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<v Speaker 7>the hill. I had to go about another one hundred

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<v Speaker 7>feet up the hill one hundred and twenty feet to

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<v Speaker 7>come around the corner and come back down to my trailer,

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<v Speaker 7>where I had some more laundry to do and it

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<v Speaker 7>was sitting outside. I was going to stop the car

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<v Speaker 7>when I first came out to load it in, but

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<v Speaker 7>it never stopped, and I kept creeping up, pushing on

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<v Speaker 7>the brakes. They worked all the way up this hill.

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<v Speaker 7>I must have pushed ten times just to make sure

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<v Speaker 7>I was pushing on the brake and they were. I

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<v Speaker 7>got up to the top of the hill. I sat

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<v Speaker 7>there for about two minutes, thinking, now should I go

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<v Speaker 7>to the left. It's a little if the brakes go

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<v Speaker 7>out again, I can't go straight down. And I crept

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<v Speaker 7>around the corner and I'm starting. I said, okay, I'm

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<v Speaker 7>just going to go straight because the brakes are working,

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<v Speaker 7>and let off on the break and they did not work.

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<v Speaker 7>The next time I was pumping, I was reaching for James.

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<v Speaker 2>Yes, so James, let's get to the the whole point

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<v Speaker 2>of the story. Did you get into an accident?

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<v Speaker 9>Yes, I did.

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<v Speaker 7>The brakes did not work down a hundred feet I turned,

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<v Speaker 7>I had to turn to the right.

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<v Speaker 2>What did you crash into?

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<v Speaker 7>I crashed into a pole, a fence pole that was

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<v Speaker 7>up three feet tall, just a medal and seamen and

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<v Speaker 7>it took off the It's a decoration on the side

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<v Speaker 7>of the hun day on the left side of the right.

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<v Speaker 2>Now, James, James, James, I don't need to know any

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<v Speaker 2>more details. I need to know this.

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<v Speaker 7>Yeah, and then I hate you. I did not jammise

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<v Speaker 7>the car other than break the headlight.

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<v Speaker 3>There was no.

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<v Speaker 2>Well, okay, okay, I understand James, James, what are you

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<v Speaker 2>calling about today, because no matter how it happened, you're

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<v Speaker 2>going to be responsible.

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<v Speaker 7>Okay. So I got the brakes worked when I go

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<v Speaker 7>go up the hill about forty yards and the brakes

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<v Speaker 7>stopped me. And I go back and I call call Enterprise,

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<v Speaker 7>ran a car. They send me to their accident report,

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<v Speaker 7>which I gave an accident report and told them that

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<v Speaker 7>I would return the car tomorrow and get another one

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<v Speaker 7>because I just had this incident. And I ejected from

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<v Speaker 7>the trailer park that night by because of the accident

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<v Speaker 7>I caused.

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<v Speaker 2>I was wait a minute, wait a minute, James, what

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<v Speaker 2>do you mean you got James, do you own your

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<v Speaker 2>trailer there?

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<v Speaker 7>No, I was renting a trailer from a friend for

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<v Speaker 7>until April first, when she returned.

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<v Speaker 2>Okay, so they kicked you out. They kicked you out

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<v Speaker 2>that night.

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<v Speaker 7>Gave me a seven day notice, and I says, well,

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<v Speaker 7>it has to be at least thirty. I did not

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<v Speaker 7>get out until March first, and March first, I moved

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<v Speaker 7>to Barrego Springs into a trailer park.

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<v Speaker 2>Well, where are we going with this? This is this

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<v Speaker 2>sounds like a whole a movie.

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<v Speaker 7>I mean they are charging me to toe charge and

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<v Speaker 7>they charged me for the rental of the car and

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<v Speaker 7>the damage.

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<v Speaker 2>All right, hold on, hold on and we'll come back.

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<v Speaker 2>Hold on, James, hold on, we'll come back to you.

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<v Speaker 2>I know why you're calling. Let's let's dissect this problem.

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<v Speaker 2>Three O three seven one three eight two five five.

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<v Speaker 2>We have more coming up on the Troubleshooter Show. Speaking

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<v Speaker 2>of UH rental car coverage and all kinds of coverage.

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<v Speaker 2>Compass Insurance Group will go over your insurance to make

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<v Speaker 2>sure you're not paying too much, to make sure you're

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<v Speaker 2>not under insured or even over insured. Three oh three

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<v Speaker 2>nine nine six nine thousand, go with a sure thing

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<v Speaker 2>Denver's best roofer Excel Roofing dot com. You don't pay

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<v Speaker 2>a cent until you're content. Time for an insurance check

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<v Speaker 2>up free, no obligation. In comparison, call Compass Insurance paying

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<v Speaker 2>too much your coverage at dozens of insurance companies find

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<v Speaker 2>out now three oh three seven seven to one help.

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<v Speaker 2>You'll think you're his only customer when you choose Frank

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<v Speaker 2>durand the real estate Man dot com to list your

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<v Speaker 2>home with Remax Alliance three all three nine two zero

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<v Speaker 2>sixteen twenty two. Okay, Tom Martino here, Welcome to the show.

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<v Speaker 2>Three three seven well three Talks seven three e two

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<v Speaker 2>five five. So, James, I want to tell you, in

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<v Speaker 2>the pure sense of renting a car, I understand you

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<v Speaker 2>said the brakes went out, but let me explain some

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<v Speaker 2>of these You, in the pure sense of renting that car,

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<v Speaker 2>you are responsible for everything that happened to it. So

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<v Speaker 2>the fact that the brakes went out, I know this

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<v Speaker 2>sounds weird. It's not enterprise this problem. Do they agree

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<v Speaker 2>that the brakes are faulty or did they say there

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<v Speaker 2>was no problem with the brakes?

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<v Speaker 7>They said there's no problem with the brakes, and that

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<v Speaker 7>that that's why they're charging me.

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<v Speaker 2>Okay, Well they would charge you anyway, and you would

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<v Speaker 2>have to go to the menu. Listen. It would be

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<v Speaker 2>a terrible fight anyway if you had to do it.

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<v Speaker 2>But James, really you are And I know your sister

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<v Speaker 2>told you to call because you wanted me to help you.

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<v Speaker 2>But I have to tell you some facts. You are

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<v Speaker 2>responsible for a rental car. Even when somebody hits you.

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<v Speaker 2>You can go after the other party like you can

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<v Speaker 2>go after Hyundai. You can, but you are responsible to

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<v Speaker 2>Enterprise for all the damage to that car. You're also

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<v Speaker 2>responsible for loss of use of that car while they're

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<v Speaker 2>fixing it, so it can be pretty expensive. How much

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<v Speaker 2>do they want from you right now? Total?

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<v Speaker 7>Well, discharge two hundred eleven dollars for the towing, which

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<v Speaker 7>I did not agree to.

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<v Speaker 2>And I well, what were you going to do with

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<v Speaker 2>the car? If you didn't have the car towed, what

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<v Speaker 2>were you going to do with it?

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<v Speaker 10>I was going to drive it back to and get a.

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<v Speaker 2>New car, okay, But you didn't drive it back because

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<v Speaker 2>of the brakes.

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<v Speaker 10>No, because they said we don't want you driving it

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<v Speaker 10>because of the brakes. And I said, I go, okay,

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<v Speaker 10>if you want to.

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<v Speaker 7>Tow it, tow it, but I need a.

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<v Speaker 2>Car, okay, okay, okay, So of all hold on, So

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<v Speaker 2>of all the charges, the only thing you're disputing is

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<v Speaker 2>the two fifty two dollars. Yeah, okay, So but you

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<v Speaker 2>agree that you are responsible for the damage to the car.

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<v Speaker 2>You just don't want to pay for the towing exactly, Okay,

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<v Speaker 2>you know what. So so when you called them, though,

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<v Speaker 2>and you said the brakes weren't working, what were they

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<v Speaker 2>supposed to do?

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<v Speaker 7>They said they sent their inspectioned games to look at

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<v Speaker 7>the brakes and to look for budy.

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<v Speaker 1>No.

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<v Speaker 2>But what I mean is what James, You didn't want

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<v Speaker 2>them towing the car, but they towed the car anyway.

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<v Speaker 10>It's the car that I could rely on.

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<v Speaker 2>James, you told Enterprise when you called them about the accident.

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<v Speaker 2>You told them the brakes were not working. Right, So

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<v Speaker 2>what were they supposed to do? They had to tow it.

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<v Speaker 2>Oh and if they told let me explain this to you, James,

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<v Speaker 2>if they towed the car in and the brakes were faulty,

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<v Speaker 2>you would not have to pay for the toe. But

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<v Speaker 2>what they're saying is that they towed it in because

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<v Speaker 2>you told them the brakes were not working. But when

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<v Speaker 2>they got the car in their possession, the brakes were working.

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<v Speaker 2>This is going to be this is gonna be a

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<v Speaker 2>hard battle. I'll have someone call Enterprise for you to

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<v Speaker 2>see if they can do away with that charge that

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<v Speaker 2>two hundred and eleven? Uh Bo, Are you in the

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<v Speaker 2>studio today? Who's in the studio today?

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<v Speaker 6>I'm both coming in in about fifteen minutes.

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<v Speaker 2>Deputy Doc is working at home. Maybe Doc, maybe Doc

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<v Speaker 2>can call enterprise and see, here's the point. Look at

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<v Speaker 2>he's not disputing the whole thing. He's just disputing the

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<v Speaker 2>towing because he wanted to drive it in. Again. I

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<v Speaker 2>find that weird because he's the one that said it

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<v Speaker 2>wasn't working, and they I don't think I think they

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<v Speaker 2>would have been negligent had they had him drive it in.

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<v Speaker 2>But let's have Doc make a phone call to see

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<v Speaker 2>if we can get that charge waved. Jim, you have

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<v Speaker 2>a question about credit cards. What's going on? Jim? Welcome

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<v Speaker 2>to the show.

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<v Speaker 3>Good morning, Tom came in.

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<v Speaker 2>What's going on?

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<v Speaker 7>Three?

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<v Speaker 11>Three of our our credit card companies raised our interest

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<v Speaker 11>rate to thirty one percent with no oh my god,

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<v Speaker 11>and we're not late on any moment.

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<v Speaker 3>We've always been paying on time. Is there any way.

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<v Speaker 2>What the hell? Wait a minute, wait a minute. Did

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<v Speaker 2>they all do it? Did they all do it at

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<v Speaker 2>the same times?

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<v Speaker 11>Jim, Yes, yeah, they all did it at the same time.

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<v Speaker 2>It went from what to what?

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<v Speaker 3>Twenty one to thirty one?

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<v Speaker 2>Oh my god, thirty one percent? Thirty what?

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<v Speaker 12>What?

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<v Speaker 2>What reasons? What reason did they give you?

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<v Speaker 11>They're not giving us any reason at all. That's what

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<v Speaker 11>I told the wife.

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<v Speaker 3>Call them up and question them about it.

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<v Speaker 2>But that all three they were three completely separate credit cards,

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<v Speaker 2>and they all did it.

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<v Speaker 11>Right, Yes, and they were all up to date. No mispayments,

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<v Speaker 11>no nothing. They just did it.

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<v Speaker 2>I don't get it either. And have you got an

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<v Speaker 2>answer from any of them?

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<v Speaker 11>No, she's she sent out some emails. All three of

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<v Speaker 11>them were just waiting for something to get something back

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<v Speaker 11>because I'm worried that I would be because they just did.

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<v Speaker 3>It, and they were just hoping you wouldn't question it.

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<v Speaker 2>Did they? So they sent you a note in the notice?

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<v Speaker 2>Did it mention why it was being raised?

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<v Speaker 1>No?

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<v Speaker 11>It just showed up on the bills as the interest rate. No,

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<v Speaker 11>no notice, no nothing.

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<v Speaker 2>But okay, when it showed up on the bill. Did

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<v Speaker 2>it say that it was raised, did it make any

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<v Speaker 2>mention of it, or it just showed up? Are you

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<v Speaker 2>sure it wasn't thirty one percent all the time?

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<v Speaker 11>Now?

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<v Speaker 7>How do you know it was down?

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<v Speaker 1>Ahead?

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<v Speaker 2>Could? Sometimes interest rates on credit cards sometimes it goes

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<v Speaker 2>with the balance on how many days of balance was outstanding?

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<v Speaker 2>Like did your balances change? Do you pay them off?

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<v Speaker 2>Tell me what's your credit? Like your credit usage?

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<v Speaker 1>Our credit's really good.

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<v Speaker 11>Those three we used them for model, you know, fixing

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<v Speaker 11>the cars or something like that. They were like emergency

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<v Speaker 11>credit cards and we haven't.

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<v Speaker 2>Okay, but what are your balances? What are your balances

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<v Speaker 2>on those three cards? What are your balances on those

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<v Speaker 2>three cards combined?

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<v Speaker 11>She has a couple of thousand on each one and

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<v Speaker 11>two is asking me about should we take out another

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<v Speaker 11>loan and pay them all off? And I told her,

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<v Speaker 11>I said, well, I'll you pay them off, cut them up,

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<v Speaker 11>you know, close the account.

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<v Speaker 3>She said, if you close the account, you're credit rating

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<v Speaker 3>those deaths.

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<v Speaker 2>That's true, that's true. But what you should do, and

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<v Speaker 2>I know this is crazy, is keep them alive, but

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<v Speaker 2>don't use them, because what happens is your percentage of

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<v Speaker 2>credit used also determines your interest rate. I have a feeling, Jim,

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<v Speaker 2>that all of this probably was disclosed to your original agreement.

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<v Speaker 2>And what they do is they monitor your credit usage

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<v Speaker 2>and different things like that, and that's where the rate

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<v Speaker 2>goes up and down according to what you're doing. Do

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<v Speaker 2>you have an idea of what your credit usage is?

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<v Speaker 2>For example, Jim, how much credit do you have altogether?

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<v Speaker 2>Like what I mean is if you wanted to take

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<v Speaker 2>and max out everything, how much do you have in

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<v Speaker 2>credit lines those three cards? What are the limits on

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<v Speaker 2>those cards?

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<v Speaker 3>That is what I don't know yet. She just mentioned it.

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<v Speaker 2>I think, Jim, Jim, I'm looking this up here, and

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<v Speaker 2>I think credit usage is the answer. You're going to

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<v Speaker 2>find is that your credit usage might have been unusually

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<v Speaker 2>high that month, and when your credit usage is high,

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<v Speaker 2>they raise the rates. How much total credit card debt

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<v Speaker 2>do you have total?

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<v Speaker 7>I don't know.

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<v Speaker 3>The life does it.

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<v Speaker 11>She takes care of it. She just asked me a question.

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<v Speaker 11>And you know, I let her pay all the bills

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<v Speaker 11>and stuff, and I don't pay attention to it until

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<v Speaker 11>you brought this up.

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<v Speaker 2>But I'm telling you, man, if you have any balances,

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<v Speaker 2>look into it. Yeah, well, let me know, call me back.

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<v Speaker 2>I need to know your total credit granted to you,

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<v Speaker 2>and then the total usage you have. And Jim, if

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<v Speaker 2>you have any money whatsoever, or maybe you get a

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<v Speaker 2>zero percent transfer card, get rid of that thirty one percent.

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<v Speaker 2>You know, And I tell people this all the time.

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<v Speaker 2>Thank you for calling Jim. Here's what I tell them.

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<v Speaker 2>When you have thirty one percent or twenty five percent

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<v Speaker 2>debt and you take a dollar out of the bank

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<v Speaker 2>and invest it, you're losing money. You take a dollar

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<v Speaker 2>out of the bank and you pay down high interest debt.

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<v Speaker 2>The very first thing when people come to Waive eight

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<v Speaker 2>Wealth Management with us, we try to eliminate their high

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<v Speaker 2>interest at because you should not even bother investing until

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00:20:47.240 --> 00:20:49.519
<v Speaker 2>you pay off high interest debt. So when you have

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<v Speaker 2>thirty one percent, for example, credit balances thirty one percent,

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<v Speaker 2>you are losing that every month. If you pay that off,

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<v Speaker 2>it's like getting a thirty one percent return because you're

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<v Speaker 2>getting rid of it. So high interest debt you got

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00:21:03.160 --> 00:21:06.359
<v Speaker 2>to get rid of before doing anything else. Jim, let

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<v Speaker 2>us know when you find out that information. God, I

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<v Speaker 2>just can't believe it. Credit cards are they're kind of crazy.

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<v Speaker 2>By the way. I didn't have hot water and something

387
00:21:17.519 --> 00:21:20.039
<v Speaker 2>was going wrong. You know, I called fix It, fix

388
00:21:20.079 --> 00:21:22.279
<v Speaker 2>it twenty four to seven. I did a I'm doing

389
00:21:22.279 --> 00:21:25.680
<v Speaker 2>a water heater flush and they're doing there's a pinhole

390
00:21:25.759 --> 00:21:28.000
<v Speaker 2>leak near a pump. They're fixing it today. But you

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00:21:28.000 --> 00:21:30.680
<v Speaker 2>know what they do. For thirty nine bucks, They'll get

392
00:21:30.720 --> 00:21:34.680
<v Speaker 2>your ac ready with a deep extreme clean Fix my

393
00:21:34.880 --> 00:21:37.759
<v Speaker 2>home dot com. Go there and find out more thirty

394
00:21:37.839 --> 00:21:40.839
<v Speaker 2>nine bucks with a NOE breakdown guaranteed. Do it before

395
00:21:40.880 --> 00:21:48.759
<v Speaker 2>the heat comes. Go with a sure thing Denver's best

396
00:21:48.839 --> 00:21:51.640
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

397
00:21:51.880 --> 00:21:57.960
<v Speaker 2>until you're content. Time for an insurance check up free,

398
00:21:58.039 --> 00:22:01.519
<v Speaker 2>no obligation. In comparison, call help US Insurance paying too

399
00:22:01.559 --> 00:22:04.640
<v Speaker 2>much your coverage at dozens of insurance companies find out

400
00:22:04.680 --> 00:22:06.839
<v Speaker 2>now three all three seven to seven to one help.

401
00:22:06.960 --> 00:22:09.599
<v Speaker 2>You'll think you're his only customer when you choose Frank

402
00:22:09.680 --> 00:22:12.119
<v Speaker 2>durand the real estate Man dot com to list your

403
00:22:12.160 --> 00:22:15.319
<v Speaker 2>home with Remax Alliance three oh three nine two zero

404
00:22:15.400 --> 00:22:24.480
<v Speaker 2>sixteen twenty two. Hi Tom Martine here at three three

405
00:22:24.559 --> 00:22:31.680
<v Speaker 2>seven one three eight two five five. So here's the deal.

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<v Speaker 2>When you have credit cards there's all kinds of triggers

407
00:22:37.799 --> 00:22:41.559
<v Speaker 2>in your credit card agreements that allow them to raise

408
00:22:41.559 --> 00:22:46.559
<v Speaker 2>the rate. Credit usage is one of them. And also

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00:22:47.160 --> 00:22:50.359
<v Speaker 2>the timeliness of payments, of course is won and all

410
00:22:50.440 --> 00:22:54.640
<v Speaker 2>kinds of stuff like that. Now there is a possibility

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00:22:54.720 --> 00:22:58.000
<v Speaker 2>you can do a zero transfer balance and then you

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00:22:58.079 --> 00:23:00.799
<v Speaker 2>get a courtesy time to pay it all off on

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00:23:00.920 --> 00:23:03.400
<v Speaker 2>new cards. But you got to get rid of this

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<v Speaker 2>high interest det People have been using their credit card

415
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<v Speaker 2>as a second income almost and it's never going to work.

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<v Speaker 2>It is the road to financial ruination. So I have

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<v Speaker 2>Stephanie Thomas with us now. Even though she works in

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<v Speaker 2>the color of Springs area for Coldwell Bankers as a

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<v Speaker 2>real estate broker, she also has no real estate in general.

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<v Speaker 2>And I have a quick question for you, and this

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<v Speaker 2>is one that I asked Frank. And I'm going to

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<v Speaker 2>Frank durand the real estate Man dot com and I'm

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<v Speaker 2>going to ask you, what are the mistakes you see

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<v Speaker 2>when people list to home Because people wanting a lot

425
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<v Speaker 2>of people, they don't want to hire people to stage

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00:23:46.279 --> 00:23:48.640
<v Speaker 2>and all of that, and they want to know is

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00:23:48.640 --> 00:23:52.200
<v Speaker 2>that worth it? Because there are companies that offer to

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00:23:52.240 --> 00:23:55.759
<v Speaker 2>come in like for fifteen hundred bucks until your house seals,

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00:23:55.839 --> 00:23:59.960
<v Speaker 2>they'll stage it. Are Are they worth it? Wait? They are?

430
00:24:00.519 --> 00:24:03.759
<v Speaker 6>I think so Wow, if you can get fifteen hundred

431
00:24:03.839 --> 00:24:06.160
<v Speaker 6>for the entirety of your listing, to me, that's great

432
00:24:06.200 --> 00:24:08.839
<v Speaker 6>because I have seen some staging bills for a month

433
00:24:08.920 --> 00:24:12.200
<v Speaker 6>or two, and fifteen hundred is in my opinion, a

434
00:24:12.240 --> 00:24:14.200
<v Speaker 6>good value from waking and voice wise.

435
00:24:14.519 --> 00:24:15.440
<v Speaker 5>But here's the thing.

436
00:24:15.519 --> 00:24:17.920
<v Speaker 6>One of the mistakes people make is they don't prep

437
00:24:17.960 --> 00:24:19.200
<v Speaker 6>their home for sale.

438
00:24:19.599 --> 00:24:22.839
<v Speaker 2>You know, they just literally leave it the way it is.

439
00:24:22.920 --> 00:24:25.000
<v Speaker 6>They will literally leave it like it is a lot

440
00:24:25.000 --> 00:24:27.759
<v Speaker 6>of times when you go in homes and you know

441
00:24:27.960 --> 00:24:30.400
<v Speaker 6>it's not depersonalized, it's not decluttered.

442
00:24:30.599 --> 00:24:32.680
<v Speaker 2>You want to depersonalize it. You don't want a lot

443
00:24:32.720 --> 00:24:34.160
<v Speaker 2>of personal pictures up in order.

444
00:24:34.160 --> 00:24:36.559
<v Speaker 6>Absolutely, you want your buyers to walk in the property

445
00:24:36.720 --> 00:24:40.400
<v Speaker 6>by themselves there, yes, exactly. So when they start seeing

446
00:24:40.400 --> 00:24:43.079
<v Speaker 6>pictures of you everywhere, all of a sudden, the buyers

447
00:24:43.119 --> 00:24:43.799
<v Speaker 6>start looking at.

448
00:24:43.799 --> 00:24:44.680
<v Speaker 5>Oh, who lives here?

449
00:24:44.720 --> 00:24:47.279
<v Speaker 6>Just natural curiosities, you know, and people tend to focus

450
00:24:47.319 --> 00:24:50.480
<v Speaker 6>on that kind of thing. Ultimately, they're not connecting with

451
00:24:50.519 --> 00:24:53.079
<v Speaker 6>the property. They're not identifying, Hey, that this could be

452
00:24:53.160 --> 00:24:55.640
<v Speaker 6>my home. It feels like you're walking through some much.

453
00:24:55.519 --> 00:24:59.720
<v Speaker 2>Okay, so depersonalize it. Yeah, And isn't declutter a big deal?

454
00:25:00.039 --> 00:25:04.079
<v Speaker 5>Absolutely? Decluttering is huge because most of us don't live

455
00:25:04.079 --> 00:25:05.599
<v Speaker 5>in our homes like they're show ready.

456
00:25:06.079 --> 00:25:06.319
<v Speaker 2>You know.

457
00:25:06.480 --> 00:25:08.400
<v Speaker 6>Most of us have to go in and do some

458
00:25:08.480 --> 00:25:11.400
<v Speaker 6>prepping and you have to think about, you know, actually

459
00:25:11.519 --> 00:25:14.519
<v Speaker 6>prepping it for photographs too. I go through this process

460
00:25:14.519 --> 00:25:16.240
<v Speaker 6>with all the homes that I list, and I talk

461
00:25:16.319 --> 00:25:20.079
<v Speaker 6>to people about. You know, we we want to make

462
00:25:20.119 --> 00:25:22.119
<v Speaker 6>sure that when we take a photo of a space

463
00:25:22.319 --> 00:25:25.440
<v Speaker 6>that people can actually see your home the wall. You know,

464
00:25:25.440 --> 00:25:27.319
<v Speaker 6>we want them to see some wall. We want it

465
00:25:27.359 --> 00:25:30.200
<v Speaker 6>to have still some personality and you know, to show well.

466
00:25:30.680 --> 00:25:34.200
<v Speaker 6>But we don't want people to see so much content

467
00:25:34.359 --> 00:25:35.559
<v Speaker 6>that they miss your home entirely.

468
00:25:35.680 --> 00:25:38.200
<v Speaker 2>Okay, And I just got a text wanting to know

469
00:25:38.240 --> 00:25:40.799
<v Speaker 2>about vacant homes. Do you like vacant homes?

470
00:25:41.039 --> 00:25:43.359
<v Speaker 5>You know, it depends me.

471
00:25:43.480 --> 00:25:45.759
<v Speaker 6>When I do vacant homes personally, I do come in

472
00:25:45.799 --> 00:25:47.440
<v Speaker 6>and do what I call like a light stage, a

473
00:25:47.519 --> 00:25:50.599
<v Speaker 6>soft stage. I have some personal inventory that all go

474
00:25:50.680 --> 00:25:52.680
<v Speaker 6>through and do some of that, and it's just.

475
00:25:52.720 --> 00:25:54.200
<v Speaker 5>Really adding accent touches.

476
00:25:54.279 --> 00:25:57.160
<v Speaker 6>It's not a full house of furniture, you know, in

477
00:25:57.400 --> 00:25:59.039
<v Speaker 6>the primary suite area.

478
00:25:59.160 --> 00:26:00.599
<v Speaker 5>You know, I'll put you know, a queen.

479
00:26:00.480 --> 00:26:03.400
<v Speaker 6>Sized bed set up, white comforter, some fluffy pillows, you know,

480
00:26:03.759 --> 00:26:05.880
<v Speaker 6>maybe a couple pieces of artwork, you know, just some

481
00:26:06.000 --> 00:26:08.279
<v Speaker 6>things to kind of soft stage and give people some

482
00:26:08.400 --> 00:26:11.920
<v Speaker 6>idea of the space, you know, through the home. I

483
00:26:11.960 --> 00:26:14.920
<v Speaker 6>always all do fluffy toowls and bathrooms, you know, greenery,

484
00:26:15.000 --> 00:26:17.160
<v Speaker 6>things like that that give it a little bit of life,

485
00:26:17.160 --> 00:26:18.079
<v Speaker 6>but not overwhelming.

486
00:26:18.119 --> 00:26:21.279
<v Speaker 2>What about interior paint do you ever do you ever

487
00:26:21.359 --> 00:26:23.960
<v Speaker 2>recommend that people go through and just repaint it.

488
00:26:24.319 --> 00:26:29.599
<v Speaker 6>Absolutely depends if they have really dark colors. Absolutely, I'm

489
00:26:29.640 --> 00:26:31.559
<v Speaker 6>going to say, and you know, if they're willing to

490
00:26:31.599 --> 00:26:33.960
<v Speaker 6>do some things to prep it, I'm going to suggest

491
00:26:34.000 --> 00:26:36.799
<v Speaker 6>that we go through and kind of lighten that space up,

492
00:26:36.880 --> 00:26:37.599
<v Speaker 6>neutralize it.

493
00:26:37.880 --> 00:26:38.799
<v Speaker 2>You know, you may have.

494
00:26:38.759 --> 00:26:41.759
<v Speaker 6>A really large room and if you have really really

495
00:26:41.839 --> 00:26:45.680
<v Speaker 6>dark walls and real heavy like curtains you know, covering

496
00:26:45.680 --> 00:26:48.240
<v Speaker 6>your windows, all of a sudden, that space looks really dark.

497
00:26:48.559 --> 00:26:52.720
<v Speaker 6>It's not fighting space. Yeah, so anytime we can do

498
00:26:52.839 --> 00:26:55.599
<v Speaker 6>a few things like that to really just highlight the

499
00:26:55.599 --> 00:26:56.640
<v Speaker 6>features of your home.

500
00:26:57.119 --> 00:26:58.759
<v Speaker 5>I absolutely real, But there.

501
00:26:58.599 --> 00:27:01.680
<v Speaker 2>Are staging companies that I mean with furniture and everything. Yes,

502
00:27:01.720 --> 00:27:05.200
<v Speaker 2>there are and and a lot of them are worth

503
00:27:05.200 --> 00:27:07.279
<v Speaker 2>their weight, you know, I think.

504
00:27:07.160 --> 00:27:11.119
<v Speaker 6>So, Like I said, I haven't experienced the fifteen hundred

505
00:27:11.119 --> 00:27:12.079
<v Speaker 6>dollars the kind of one.

506
00:27:12.160 --> 00:27:13.359
<v Speaker 2>How much does it normally cost?

507
00:27:13.920 --> 00:27:17.440
<v Speaker 5>The last house I worked with a stager on. We

508
00:27:17.440 --> 00:27:18.400
<v Speaker 5>we did a couple of.

509
00:27:18.319 --> 00:27:20.960
<v Speaker 6>The main spaces. Now mind you, this was a very

510
00:27:21.160 --> 00:27:22.640
<v Speaker 6>large home, but we.

511
00:27:22.559 --> 00:27:24.519
<v Speaker 2>Still just like how much what price range?

512
00:27:24.799 --> 00:27:26.400
<v Speaker 5>This one was north of eight hundred?

513
00:27:26.559 --> 00:27:29.599
<v Speaker 2>Okay, so what was it? What did the total staging cost.

514
00:27:29.960 --> 00:27:34.599
<v Speaker 5>For two months? We were over four thousand, so holy crap.

515
00:27:35.039 --> 00:27:38.519
<v Speaker 6>Yeah, and that was honestly just doing a couple of

516
00:27:38.599 --> 00:27:39.640
<v Speaker 6>main spaces.

517
00:27:39.720 --> 00:27:41.680
<v Speaker 5>It wasn't even the entire house.

518
00:27:41.759 --> 00:27:43.960
<v Speaker 2>So you're saying, yeah, so fifteen hundred sounds.

519
00:27:43.880 --> 00:27:47.440
<v Speaker 6>Fifteen hundred sounds great, But ultimately you'd have to look

520
00:27:47.440 --> 00:27:49.400
<v Speaker 6>at what that entails. And I'm sure they've got some

521
00:27:49.480 --> 00:27:51.920
<v Speaker 6>type of timelines that they agree to leave their.

522
00:27:51.960 --> 00:27:53.680
<v Speaker 2>You know, so people have to move their own stuff

523
00:27:53.720 --> 00:27:55.519
<v Speaker 2>out obviously when you have a stage or they don't

524
00:27:55.519 --> 00:27:58.359
<v Speaker 2>stage wing that. Yeah, do you ever have stages that

525
00:27:58.400 --> 00:27:59.240
<v Speaker 2>work with what's there?

526
00:28:00.079 --> 00:28:00.160
<v Speaker 5>Ye?

527
00:28:00.279 --> 00:28:03.440
<v Speaker 6>So some stages will come through and do a consultation right.

528
00:28:03.359 --> 00:28:05.319
<v Speaker 2>If it's pretty and the good stuff.

529
00:28:04.960 --> 00:28:07.880
<v Speaker 6>They just have to Yeah, we'll talk about moving things

530
00:28:07.920 --> 00:28:10.160
<v Speaker 6>a little bit. Let's take down a couple of these photos,

531
00:28:10.200 --> 00:28:12.759
<v Speaker 6>and that's a process. Honestly, I've set through so many

532
00:28:12.839 --> 00:28:16.039
<v Speaker 6>photo appointments at this point and listed enough properties in

533
00:28:16.079 --> 00:28:18.319
<v Speaker 6>my career that I have, you know, a pretty good

534
00:28:18.319 --> 00:28:20.839
<v Speaker 6>eye that I go through and do that process on Artwey.

535
00:28:20.920 --> 00:28:23.960
<v Speaker 2>I think people in general have too much stuff in

536
00:28:24.000 --> 00:28:26.759
<v Speaker 2>their homes, absolutely, and John, I mean nothing wrong with that.

537
00:28:26.839 --> 00:28:28.599
<v Speaker 6>None of us, none of us live in our homes

538
00:28:28.640 --> 00:28:30.200
<v Speaker 6>like they're ready to stell, you.

539
00:28:30.079 --> 00:28:31.359
<v Speaker 5>Know pretty much.

540
00:28:31.400 --> 00:28:33.200
<v Speaker 6>We would all need to do a few things to

541
00:28:33.240 --> 00:28:36.640
<v Speaker 6>our properties to really highlight the space for sale.

542
00:28:36.799 --> 00:28:39.200
<v Speaker 2>I mean I've seen some play, Honest to god, I've

543
00:28:39.200 --> 00:28:42.400
<v Speaker 2>seen a place that was listed that you went in

544
00:28:42.440 --> 00:28:45.079
<v Speaker 2>the bathroom and the guy shaving stuff was still like

545
00:28:45.160 --> 00:28:47.200
<v Speaker 2>he didn't wash off his razor. I mean, it's on

546
00:28:47.240 --> 00:28:51.160
<v Speaker 2>the on the vanity and it's just I think to myself,

547
00:28:51.200 --> 00:28:53.319
<v Speaker 2>he just got ready for work. There were some dirty

548
00:28:53.319 --> 00:28:56.559
<v Speaker 2>clothes in a pile. I mean that's wasting money.

549
00:28:56.720 --> 00:29:00.960
<v Speaker 6>Yeah, or wasting sink full of dishes or with people.

550
00:29:01.119 --> 00:29:04.039
<v Speaker 6>Sometimes people want to look inside the dishwasher. And I

551
00:29:04.079 --> 00:29:05.920
<v Speaker 6>can't tell you how many times I've walked through homes

552
00:29:05.920 --> 00:29:09.240
<v Speaker 6>that people use their dishwashers to like get everything off

553
00:29:09.279 --> 00:29:11.440
<v Speaker 6>the counter and get it ready for the showing. So

554
00:29:11.519 --> 00:29:14.119
<v Speaker 6>it's full of you know, food and different things like that.

555
00:29:14.240 --> 00:29:17.200
<v Speaker 6>And to me that personally, I'm like, oh, that that's

556
00:29:17.200 --> 00:29:18.599
<v Speaker 6>a little bit of a turn off because we really

557
00:29:18.680 --> 00:29:22.119
<v Speaker 6>can't see, you know, the interior of the dishwasher, because

558
00:29:22.160 --> 00:29:24.759
<v Speaker 6>some people that matters if it's a stainless steel interior,

559
00:29:24.799 --> 00:29:27.480
<v Speaker 6>things like that. So just a couple little things you

560
00:29:27.519 --> 00:29:30.319
<v Speaker 6>can do to keep your home show ready. But cleanliness

561
00:29:30.400 --> 00:29:31.839
<v Speaker 6>is honestly number one.

562
00:29:31.960 --> 00:29:32.680
<v Speaker 2>All right, we got to.

563
00:29:32.720 --> 00:29:33.359
<v Speaker 5>Keep your home clean.

564
00:29:33.839 --> 00:29:37.119
<v Speaker 2>We we uh, we're talking about listing homes and we

565
00:29:37.160 --> 00:29:38.960
<v Speaker 2>can talk about anything you want as well. Three all

566
00:29:39.039 --> 00:29:41.359
<v Speaker 2>three seven one three talk seven one three eight two

567
00:29:41.400 --> 00:29:47.960
<v Speaker 2>five five. We got more coming right up. Go with

568
00:29:48.039 --> 00:29:51.599
<v Speaker 2>a sure thing Denver's Best roofer Excel Roofing dot com.

569
00:29:51.640 --> 00:29:56.440
<v Speaker 2>You don't pay a cent until you're content on top

570
00:29:56.519 --> 00:29:59.480
<v Speaker 2>of it. Time for an insurance check up free, no obligation.

571
00:29:59.559 --> 00:30:03.359
<v Speaker 2>Compare and call Compass insurance paying too much your coverage

572
00:30:03.400 --> 00:30:06.039
<v Speaker 2>at dozens of insurance companies. Find out now three all

573
00:30:06.079 --> 00:30:09.000
<v Speaker 2>three seven seven one help. You'll think you're his only

574
00:30:09.119 --> 00:30:11.599
<v Speaker 2>customer when you choose Frank durand the real estate man

575
00:30:11.640 --> 00:30:15.079
<v Speaker 2>dot com to list your home with Remax Alliance three

576
00:30:15.079 --> 00:30:21.039
<v Speaker 2>all three nine two zero sixteen twenty two. Hi Tom

577
00:30:21.079 --> 00:30:23.400
<v Speaker 2>Martine here three O three seven to one three talk

578
00:30:24.799 --> 00:30:32.599
<v Speaker 2>seven one three eight two five five. So somebody asked

579
00:30:33.599 --> 00:30:37.480
<v Speaker 2>about financial snags young people get into. They said they

580
00:30:37.480 --> 00:30:41.920
<v Speaker 2>were having a conversation with their young person and they

581
00:30:41.960 --> 00:30:45.880
<v Speaker 2>wanted to know some of the financial pitfalls they get into.

582
00:30:46.680 --> 00:30:50.519
<v Speaker 2>Deputy d joins us. Deputy Doc. You can text me

583
00:30:50.559 --> 00:30:55.599
<v Speaker 2>from home and we got Stephanie here if you wanted

584
00:30:55.640 --> 00:31:00.160
<v Speaker 2>to take a stab at the number one thing mistakes

585
00:31:00.240 --> 00:31:06.960
<v Speaker 2>make as they're becoming adults in a young adulthood. I

586
00:31:07.079 --> 00:31:10.559
<v Speaker 2>listed the four top I should do five because people

587
00:31:10.559 --> 00:31:12.400
<v Speaker 2>always say five, and I don't have a fifth one

588
00:31:12.440 --> 00:31:14.039
<v Speaker 2>I could really think of. And I didn't want to

589
00:31:14.079 --> 00:31:17.319
<v Speaker 2>make it up, but I listed the top four problems

590
00:31:17.480 --> 00:31:21.680
<v Speaker 2>kids get into that lead to financial their first financial

591
00:31:22.519 --> 00:31:26.240
<v Speaker 2>bungle or hurdle or could ruin their credit for many

592
00:31:26.279 --> 00:31:28.359
<v Speaker 2>many years. What do you think the first one is.

593
00:31:30.000 --> 00:31:31.079
<v Speaker 1>Getting credit?

594
00:31:31.759 --> 00:31:32.279
<v Speaker 5>Using them?

595
00:31:32.359 --> 00:31:34.319
<v Speaker 2>Okay, all your mics are on okay, go ahead.

596
00:31:34.839 --> 00:31:37.279
<v Speaker 6>I think being advised to get credit cards but then

597
00:31:37.440 --> 00:31:39.400
<v Speaker 6>using them to their full extent of their limit.

598
00:31:40.839 --> 00:31:42.880
<v Speaker 12>Oh yeah, I mean just credit cards.

599
00:31:42.920 --> 00:31:46.640
<v Speaker 2>Credit cards best, right, credit card debt, because one, they're

600
00:31:46.759 --> 00:31:50.279
<v Speaker 2>so easy to get when they just turn eighteen, right,

601
00:31:51.039 --> 00:31:53.519
<v Speaker 2>and they don't understand that money has to be paid back.

602
00:31:53.559 --> 00:31:55.519
<v Speaker 2>And many of the young people look at it as

603
00:31:55.519 --> 00:31:59.440
<v Speaker 2>a monthly payment, not as a balance. If you look

604
00:31:59.440 --> 00:32:02.000
<v Speaker 2>at just the monthly payment, that's going to put you

605
00:32:02.000 --> 00:32:04.599
<v Speaker 2>in debt for twenty years, I mean literally, So you

606
00:32:04.799 --> 00:32:08.759
<v Speaker 2>have to really watch out for credit card and credit cards.

607
00:32:09.720 --> 00:32:11.319
<v Speaker 2>You know, if credit is a funny thing. It was

608
00:32:11.359 --> 00:32:14.400
<v Speaker 2>meant to be used for emergencies back in the day,

609
00:32:14.400 --> 00:32:16.319
<v Speaker 2>when the farmer didn't have his crop coming up, when

610
00:32:16.319 --> 00:32:19.680
<v Speaker 2>he wanted to the local source would extend credit and

611
00:32:19.720 --> 00:32:23.480
<v Speaker 2>they'd keep a ledger and then that ledger, you know,

612
00:32:23.559 --> 00:32:25.440
<v Speaker 2>you oweys this, so when the crop came in, he'd

613
00:32:25.480 --> 00:32:28.440
<v Speaker 2>go and pay his debt. But that was credit. And

614
00:32:28.480 --> 00:32:32.400
<v Speaker 2>then tavern started doing it for people that go in regularly.

615
00:32:32.440 --> 00:32:35.640
<v Speaker 2>They'd keep a tab and then people would pay off

616
00:32:35.680 --> 00:32:37.920
<v Speaker 2>their tab once a week or and these were in

617
00:32:38.039 --> 00:32:42.079
<v Speaker 2>mining towns when they're money, so credit was a convenience,

618
00:32:42.119 --> 00:32:46.400
<v Speaker 2>and also for emergencies like you have a transmission break

619
00:32:46.400 --> 00:32:48.359
<v Speaker 2>in your car, you have to put it on a

620
00:32:48.400 --> 00:32:50.880
<v Speaker 2>credit card. You don't have the money, that's what that's

621
00:32:50.920 --> 00:32:53.160
<v Speaker 2>the wise use of credit. And then you try to

622
00:32:53.200 --> 00:32:55.759
<v Speaker 2>pay it off as quickly as possible. Never carry a

623
00:32:55.799 --> 00:32:57.519
<v Speaker 2>balance you can't pay off in two or three months,

624
00:32:57.640 --> 00:33:00.599
<v Speaker 2>especially with carrying costs now, and the way to use

625
00:33:00.640 --> 00:33:02.559
<v Speaker 2>a credit card is to use it and then pay

626
00:33:02.559 --> 00:33:05.880
<v Speaker 2>it off monthly. No one does that, but credit card

627
00:33:05.920 --> 00:33:10.200
<v Speaker 2>debt is one of the biggest problems facing all Americans.

628
00:33:10.799 --> 00:33:15.119
<v Speaker 2>Credit debt is amazing. It's keeping people in servitude. Now,

629
00:33:15.119 --> 00:33:17.200
<v Speaker 2>I don't mean you know, you know what I'm saying.

630
00:33:17.759 --> 00:33:21.079
<v Speaker 2>What I mean is they have to keep paying off

631
00:33:21.119 --> 00:33:24.799
<v Speaker 2>these debt and eventually they have three or four cards

632
00:33:24.799 --> 00:33:26.519
<v Speaker 2>that are maxed out and all they're doing is making

633
00:33:26.559 --> 00:33:29.279
<v Speaker 2>monthly payments on it. They try to go get another card,

634
00:33:29.359 --> 00:33:31.880
<v Speaker 2>and many times they have good enough credit they can

635
00:33:31.880 --> 00:33:36.319
<v Speaker 2>get another card. Unfortunately, so they end up having so

636
00:33:36.480 --> 00:33:39.799
<v Speaker 2>many credit cards. I knew a young woman was turning

637
00:33:40.000 --> 00:33:46.319
<v Speaker 2>nineteen and she had eighteen credit cards. Wow, eighteen credit cards,

638
00:33:46.720 --> 00:33:50.640
<v Speaker 2>and then she went and got them maxed out and

639
00:33:50.799 --> 00:33:54.480
<v Speaker 2>was making monthly was making payments. She'd have product purses

640
00:33:54.880 --> 00:33:58.400
<v Speaker 2>and all of the credit, all of the high fashion stuff,

641
00:33:58.839 --> 00:34:02.200
<v Speaker 2>and she was treating credit cards as another person in

642
00:34:02.240 --> 00:34:05.680
<v Speaker 2>her household making money. And it doesn't make money. It

643
00:34:06.079 --> 00:34:10.119
<v Speaker 2>bleeds you. So credit card debt. What do you think

644
00:34:11.199 --> 00:34:15.280
<v Speaker 2>this one actually leads to our nation? And I can

645
00:34:15.280 --> 00:34:17.679
<v Speaker 2>do it in one word, or I can explain why.

646
00:34:17.719 --> 00:34:22.239
<v Speaker 2>What do you think the second major obstacle is in

647
00:34:22.280 --> 00:34:27.079
<v Speaker 2>a young person's financial life that causes could cause financial

648
00:34:27.159 --> 00:34:33.760
<v Speaker 2>run and has caused bankruptcies. Would you say student loans?

649
00:34:34.039 --> 00:34:37.480
<v Speaker 2>Student loans? No, it's not. Actually that might be my

650
00:34:37.599 --> 00:34:39.719
<v Speaker 2>number five. You might have given me the fifth, No,

651
00:34:39.880 --> 00:34:41.559
<v Speaker 2>the second one on the list. What do you think

652
00:34:41.639 --> 00:34:46.400
<v Speaker 2>jeopidy D Buying way too much car? Oh, Mike, it's transportation.

653
00:34:46.840 --> 00:34:50.400
<v Speaker 2>Now here's where they get into the problem. Not so

654
00:34:50.519 --> 00:34:52.840
<v Speaker 2>much buying too much car, but they do. But if

655
00:34:52.840 --> 00:34:55.239
<v Speaker 2>they just pay it off, here's where they get into

656
00:34:55.239 --> 00:35:00.199
<v Speaker 2>the problem. I call it the negative equity snowball. So

657
00:35:00.239 --> 00:35:04.000
<v Speaker 2>they buy a car, they pay too much, they're buried

658
00:35:04.039 --> 00:35:09.119
<v Speaker 2>in it and it's worth less than they owe. But

659
00:35:09.239 --> 00:35:11.639
<v Speaker 2>they have to get another one because this car's not lasting.

660
00:35:12.199 --> 00:35:14.159
<v Speaker 2>They go into the next one. And the negative goes

661
00:35:14.199 --> 00:35:17.000
<v Speaker 2>into it and it starts growing and growing. It leads

662
00:35:17.039 --> 00:35:19.239
<v Speaker 2>to financial disaster. We can talk about that and more

663
00:35:19.280 --> 00:35:21.480
<v Speaker 2>coming up. Get your calls in with any problems, questions,

664
00:35:21.559 --> 00:35:24.360
<v Speaker 2>or complaints. Have three oh three seven one three eight

665
00:35:24.440 --> 00:35:29.719
<v Speaker 2>two five five. Go with a sure thing Denver's best

666
00:35:29.800 --> 00:35:32.679
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

667
00:35:32.880 --> 00:35:38.960
<v Speaker 2>until you're contenth time for an insurance check up free,

668
00:35:39.039 --> 00:35:42.760
<v Speaker 2>no obligation. In comparison, call Compass Insurance paying too much

669
00:35:42.880 --> 00:35:45.840
<v Speaker 2>your coverage at dozens of insurance companies find out now

670
00:35:45.920 --> 00:35:48.199
<v Speaker 2>three oh three seven to seven to one help. You'll

671
00:35:48.199 --> 00:35:50.960
<v Speaker 2>think you're his only customer when you choose Frank durand

672
00:35:50.960 --> 00:35:53.400
<v Speaker 2>the real estate Man dot com to list your home

673
00:35:53.599 --> 00:35:56.760
<v Speaker 2>with Remax Alliance three oh three nine two zero sixteen

674
00:35:56.840 --> 00:35:58.199
<v Speaker 2>twenty two.

675
00:36:03.039 --> 00:36:03.599
<v Speaker 1>Ripped of.

676
00:36:05.360 --> 00:36:06.000
<v Speaker 5>News.

677
00:36:06.599 --> 00:36:08.119
<v Speaker 12>You need advice so you.

678
00:36:08.000 --> 00:36:08.440
<v Speaker 13>Don't have.

679
00:36:10.599 --> 00:36:13.000
<v Speaker 9>Come running Just as nass as we can.

680
00:36:14.320 --> 00:36:19.960
<v Speaker 2>Shooter's gonna help coming man. This is the Troubleshooter Show.

681
00:36:20.559 --> 00:36:26.639
<v Speaker 2>No Tom Martino, Hi Tom Martino here, Welcome to the show.

682
00:36:26.719 --> 00:36:29.519
<v Speaker 2>Three ozho three seven to one three talk seven one

683
00:36:29.599 --> 00:36:32.480
<v Speaker 2>three eight two five five. We've been talking about all

684
00:36:32.559 --> 00:36:36.239
<v Speaker 2>kinds of stuff today, by the way, with car rental coverage,

685
00:36:36.280 --> 00:36:38.960
<v Speaker 2>somebody asked, why would he be responsible for lack of use?

686
00:36:39.679 --> 00:36:42.480
<v Speaker 2>That is a loss to the rental company. And people

687
00:36:42.559 --> 00:36:46.199
<v Speaker 2>don't realize this, but even if your insurance covers the

688
00:36:46.280 --> 00:36:52.159
<v Speaker 2>actual car, it may not cover loss of use. You

689
00:36:52.199 --> 00:36:54.639
<v Speaker 2>could end up in big trouble with a lot of

690
00:36:54.679 --> 00:36:57.440
<v Speaker 2>money owed to that rental company. So make sure that

691
00:36:57.719 --> 00:37:01.159
<v Speaker 2>your coverage that you have on your own car extends

692
00:37:01.199 --> 00:37:04.119
<v Speaker 2>to rental cars. Most of them do now, but it

693
00:37:04.280 --> 00:37:09.320
<v Speaker 2>also must cover other consequential damages like loss of use.

694
00:37:10.280 --> 00:37:14.039
<v Speaker 2>So and it's extraordinary to think about right now in

695
00:37:14.039 --> 00:37:18.679
<v Speaker 2>today's world of shortages. To get parts takes a lot

696
00:37:18.679 --> 00:37:24.039
<v Speaker 2>of time, and that loss of use could be crazy. Anyway,

697
00:37:24.599 --> 00:37:28.559
<v Speaker 2>keep that in mind when it comes to insurance. And Stephanie,

698
00:37:28.559 --> 00:37:29.599
<v Speaker 2>you want to chime in, I do.

699
00:37:29.719 --> 00:37:33.199
<v Speaker 6>I actually just turned in a rental car for an

700
00:37:33.239 --> 00:37:36.760
<v Speaker 6>accident that I had had, But my insurance company gave

701
00:37:36.800 --> 00:37:39.719
<v Speaker 6>me some advice before I turned it back in, and

702
00:37:39.760 --> 00:37:42.880
<v Speaker 6>they said to make sure when you turn that vehicle

703
00:37:42.920 --> 00:37:45.840
<v Speaker 6>back in they do the walkthrough to check for damage

704
00:37:45.880 --> 00:37:48.039
<v Speaker 6>at that point, and that you get some type of

705
00:37:48.400 --> 00:37:49.199
<v Speaker 6>receipt right there.

706
00:37:49.199 --> 00:37:52.760
<v Speaker 2>It's all clear, Yes, because later on when it shows up,

707
00:37:52.760 --> 00:37:54.400
<v Speaker 2>it's hard to fight it exactly.

708
00:37:54.440 --> 00:37:56.239
<v Speaker 5>And she said that that's a problem they've seen.

709
00:37:56.400 --> 00:37:59.519
<v Speaker 2>So it is a problem, and I think some of

710
00:37:59.519 --> 00:38:03.000
<v Speaker 2>them do it illegitimately. And we found a company called

711
00:38:03.119 --> 00:38:07.199
<v Speaker 2>sixth I believe that's a new rental company. Sixth it's

712
00:38:07.480 --> 00:38:11.440
<v Speaker 2>six T or something or maybe find it Dmitri. But

713
00:38:11.920 --> 00:38:14.440
<v Speaker 2>we found them doing that a couple times. Now. Jay

714
00:38:14.480 --> 00:38:19.400
<v Speaker 2>has a comment on finances. I was mentioning the I

715
00:38:19.440 --> 00:38:22.000
<v Speaker 2>had four biggest mistakes. Stephanie gave me the fifth one.

716
00:38:22.199 --> 00:38:25.639
<v Speaker 2>What was that when the student loans? That absolutely is?

717
00:38:26.039 --> 00:38:28.880
<v Speaker 2>Absolutely is. But let's go for the top four that

718
00:38:28.920 --> 00:38:32.119
<v Speaker 2>I had before. Stephanie chimed in with that one. The

719
00:38:32.159 --> 00:38:36.000
<v Speaker 2>top problems that people have Number one credit cards, Number

720
00:38:36.039 --> 00:38:40.840
<v Speaker 2>two negative equity, snowball in cars, and anybody want to

721
00:38:40.880 --> 00:38:43.360
<v Speaker 2>take a shot at the third one. It's going to

722
00:38:43.400 --> 00:38:46.159
<v Speaker 2>be surprising. Now, these are my records, these are not

723
00:38:46.199 --> 00:38:48.559
<v Speaker 2>official records. These are people who call us for help.

724
00:38:50.079 --> 00:38:53.880
<v Speaker 12>What do you think, Oh, so third bad financial suit.

725
00:38:54.039 --> 00:38:57.320
<v Speaker 2>No, it's not necessarily bad. It's at they're financial. They

726
00:38:57.360 --> 00:39:00.119
<v Speaker 2>get into trouble when they're young adults.

727
00:39:00.199 --> 00:39:03.119
<v Speaker 12>Yeah, so, based on my observations, with man.

728
00:39:03.199 --> 00:39:06.320
<v Speaker 14>Any of my friends who I went to college getting

729
00:39:06.599 --> 00:39:08.920
<v Speaker 14>into way too much education.

730
00:39:09.599 --> 00:39:13.719
<v Speaker 2>Oh okay, well that's what that's what she that's what

731
00:39:13.800 --> 00:39:15.760
<v Speaker 2>she said, And I put that on my list. That

732
00:39:15.840 --> 00:39:19.760
<v Speaker 2>wasn't on my original list. Something completely And they get

733
00:39:19.760 --> 00:39:21.079
<v Speaker 2>into student loan debt.

734
00:39:21.480 --> 00:39:25.360
<v Speaker 14>And they with a youth of graduate degree and then

735
00:39:25.400 --> 00:39:27.880
<v Speaker 14>they find that Starbucks doesn't pay enough to pay off

736
00:39:27.920 --> 00:39:28.639
<v Speaker 14>the right.

737
00:39:29.880 --> 00:39:32.960
<v Speaker 2>Yeah, they didn't become that professor, they thought, Jay, what

738
00:39:33.079 --> 00:39:35.199
<v Speaker 2>is your comment on finances.

739
00:39:36.480 --> 00:39:39.960
<v Speaker 15>Tom, I'll tell you something I've seen ruin lots of

740
00:39:40.039 --> 00:39:44.760
<v Speaker 15>lives and ruined the kind of forever is O guy

741
00:39:44.800 --> 00:39:48.960
<v Speaker 15>gets behind on child support and the whole system is

742
00:39:48.960 --> 00:39:52.440
<v Speaker 15>designed to destroy them back. It's not designed to help

743
00:39:52.519 --> 00:39:57.320
<v Speaker 15>everybody get normalized. And so many people I try to

744
00:39:57.400 --> 00:40:01.000
<v Speaker 15>hire don't have a driver's license, can't get insurance, don't

745
00:40:01.039 --> 00:40:05.199
<v Speaker 15>have credit, can't do anything because child support payments are

746
00:40:05.280 --> 00:40:07.719
<v Speaker 15>back due and they can't do anything.

747
00:40:08.079 --> 00:40:09.119
<v Speaker 12>And they can't get ahead.

748
00:40:09.280 --> 00:40:10.880
<v Speaker 15>They can they.

749
00:40:10.719 --> 00:40:15.800
<v Speaker 2>Can't dig themselves out. They can't dig themselves out. Friend

750
00:40:15.840 --> 00:40:18.239
<v Speaker 2>of mine, Yeah, but that's not okay. That wouldn't be

751
00:40:18.320 --> 00:40:21.159
<v Speaker 2>on my list of young people turning adults though that

752
00:40:21.400 --> 00:40:24.679
<v Speaker 2>I don't think that would catch up to them.

753
00:40:24.800 --> 00:40:27.599
<v Speaker 15>Yeah, I spell eighteen. Seem to start when they're young,

754
00:40:28.320 --> 00:40:31.239
<v Speaker 15>and then they get sued and they don't have any money.

755
00:40:31.320 --> 00:40:33.880
<v Speaker 15>They don't have the kind of money to support a ship.

756
00:40:33.960 --> 00:40:36.280
<v Speaker 2>I would say that might be young the young adults

757
00:40:36.320 --> 00:40:40.480
<v Speaker 2>in their twenties maybe or thirties. Yeah, but anyway, credit card,

758
00:40:40.559 --> 00:40:44.079
<v Speaker 2>thank you jay, credit credit card, debt, negative equity, snowball

759
00:40:44.159 --> 00:40:47.880
<v Speaker 2>for cars, the number three. Come on, people, Come on people,

760
00:40:48.519 --> 00:40:54.559
<v Speaker 2>it's so easy. It's so medical bills, they get sick,

761
00:40:54.599 --> 00:40:57.000
<v Speaker 2>they broke it arm, they break it arm, they do something,

762
00:40:57.239 --> 00:41:02.800
<v Speaker 2>and these kids don't realize they are in trouble quickly.

763
00:41:04.360 --> 00:41:08.360
<v Speaker 2>Medical bills and they don't make the payments, and they

764
00:41:08.440 --> 00:41:11.199
<v Speaker 2>let them sit there and it destroys their credit. Then

765
00:41:11.239 --> 00:41:14.440
<v Speaker 2>they start coming after him. They start garnishing wages. What

766
00:41:14.519 --> 00:41:17.239
<v Speaker 2>a lot of young people don't realize is with today's system,

767
00:41:17.320 --> 00:41:19.960
<v Speaker 2>until it changes, if you don't make a lot of money,

768
00:41:20.000 --> 00:41:23.960
<v Speaker 2>you can go on Medicaid. I mean really, Medicaid was

769
00:41:24.000 --> 00:41:27.519
<v Speaker 2>opened up to the masses when Obama did his Obamacare,

770
00:41:27.800 --> 00:41:30.079
<v Speaker 2>and no one's ever changed that yet. Do you know

771
00:41:30.159 --> 00:41:33.159
<v Speaker 2>Medicare is not even predicated on what you own? Do

772
00:41:33.199 --> 00:41:35.239
<v Speaker 2>you know there are people that own million dollar homes

773
00:41:35.239 --> 00:41:36.119
<v Speaker 2>that are on medicaid.

774
00:41:36.760 --> 00:41:42.599
<v Speaker 14>Wow, is medicaid. I'm always confused. There's Medicare and Medicaid.

775
00:41:42.719 --> 00:41:48.119
<v Speaker 14>Medicaid for strictly older people, Medicare Medicare okay, and that's

776
00:41:48.159 --> 00:41:49.119
<v Speaker 14>not incomdependent.

777
00:41:49.239 --> 00:41:50.159
<v Speaker 12>Medicare is well, No.

778
00:41:50.199 --> 00:41:52.400
<v Speaker 2>Medicare is Medicare. You get Medicare no matter what you

779
00:41:52.519 --> 00:41:55.599
<v Speaker 2>can pay, and you pay the premium for B, Part A,

780
00:41:55.679 --> 00:41:58.159
<v Speaker 2>Part B, and then you get a supplement usually that

781
00:41:58.280 --> 00:42:01.280
<v Speaker 2>comes out of your payment. But in any case, Medicare

782
00:42:01.360 --> 00:42:04.519
<v Speaker 2>is different. Medicaid is a form of social services. It

783
00:42:04.599 --> 00:42:07.480
<v Speaker 2>used to be for only really people that need and

784
00:42:07.519 --> 00:42:10.599
<v Speaker 2>they extended the hell out of it during Obamacare, so

785
00:42:10.880 --> 00:42:15.679
<v Speaker 2>almost anyone who doesn't make enough money they can qualify

786
00:42:15.800 --> 00:42:19.079
<v Speaker 2>for Medicaid. And in fact, I've said there are people

787
00:42:19.119 --> 00:42:23.800
<v Speaker 2>a million dollar homes getting medicaid. Wow. It's only predicated

788
00:42:23.840 --> 00:42:28.119
<v Speaker 2>on income, not on equity, not on anything you own.

789
00:42:28.480 --> 00:42:31.199
<v Speaker 2>You could own a million dollar piece of art and

790
00:42:31.239 --> 00:42:38.039
<v Speaker 2>get medicaid. Now that's not so much. For the medicaid

791
00:42:38.280 --> 00:42:43.079
<v Speaker 2>that pays for nursing homes and assisted living, they would

792
00:42:43.079 --> 00:42:45.679
<v Speaker 2>make you sell off your stuff. But that's a different

793
00:42:46.239 --> 00:42:50.679
<v Speaker 2>category of Medicaid. The Medicaid for doctors and procedures and

794
00:42:50.719 --> 00:42:56.400
<v Speaker 2>surgeries is only income dependent. So if you're a young

795
00:42:56.440 --> 00:43:00.199
<v Speaker 2>person right now listening to me, apply for medicaid, doesn't matter.

796
00:43:00.239 --> 00:43:02.679
<v Speaker 2>If your parents are rich, doesn't matter. If you own

797
00:43:02.719 --> 00:43:06.000
<v Speaker 2>stuff and a car, you can get medicaid. That's what

798
00:43:06.000 --> 00:43:08.280
<v Speaker 2>it's made for right now. Now they might change all

799
00:43:08.280 --> 00:43:11.039
<v Speaker 2>of this, I don't know, but right now it's really

800
00:43:11.079 --> 00:43:14.599
<v Speaker 2>insurance for the masses. And then, of course then you

801
00:43:14.639 --> 00:43:20.320
<v Speaker 2>get into Affordable Care Act. They call it eligible plans,

802
00:43:20.360 --> 00:43:23.239
<v Speaker 2>which are not affordable at all, but that's what they

803
00:43:23.320 --> 00:43:28.119
<v Speaker 2>call it. So medical bills are number three on my list.

804
00:43:29.440 --> 00:43:34.000
<v Speaker 2>Number four is a very odd one. Number four is

805
00:43:34.039 --> 00:43:36.760
<v Speaker 2>a very odd one that I've gotten in my records here.

806
00:43:37.760 --> 00:43:42.519
<v Speaker 2>It is the result of a bad job. What is

807
00:43:42.559 --> 00:43:46.079
<v Speaker 2>a bad job? Kids get talked into selling knives or

808
00:43:46.119 --> 00:43:50.280
<v Speaker 2>doing some kind of kakammy job where they don't really

809
00:43:50.320 --> 00:43:53.559
<v Speaker 2>make money. They don't really they don't understand the job.

810
00:43:53.920 --> 00:43:57.079
<v Speaker 2>It's some kind of con In some cases, they pay

811
00:43:57.159 --> 00:44:00.000
<v Speaker 2>money to try to get this job and they're told

812
00:44:00.039 --> 00:44:02.480
<v Speaker 2>they're going to be a manager. I'm going to tell

813
00:44:02.480 --> 00:44:04.800
<v Speaker 2>you some of them were selling vacuum cleaners. Some of

814
00:44:04.840 --> 00:44:09.440
<v Speaker 2>them were different kinds of jobs like that. And I'll

815
00:44:09.440 --> 00:44:12.960
<v Speaker 2>never forget the rainbow vacuum they would sell for They

816
00:44:13.000 --> 00:44:16.840
<v Speaker 2>had to sell these vacuums for four thousand dollars, but

817
00:44:16.880 --> 00:44:19.039
<v Speaker 2>they went into debt on their own to get these,

818
00:44:19.480 --> 00:44:22.440
<v Speaker 2>to get their demo and stuff, and so much of this.

819
00:44:23.039 --> 00:44:27.400
<v Speaker 2>These bad jobs are getting kids to sign up and

820
00:44:27.480 --> 00:44:30.159
<v Speaker 2>pay for instruction and pay for materials and pay for

821
00:44:30.199 --> 00:44:32.800
<v Speaker 2>this and pay for that, and they're really not good

822
00:44:32.880 --> 00:44:35.119
<v Speaker 2>jobs at all. They're bad jobs. And then of course

823
00:44:35.199 --> 00:44:37.480
<v Speaker 2>I just put on my list student loans because there

824
00:44:37.519 --> 00:44:40.599
<v Speaker 2>are many kids that start school and they don't realize. Look,

825
00:44:40.760 --> 00:44:43.079
<v Speaker 2>if you flunk out, you're gonna owe that money. You're

826
00:44:43.119 --> 00:44:45.239
<v Speaker 2>gonna owe it right away. Now, if you go through

827
00:44:45.320 --> 00:44:47.960
<v Speaker 2>and you graduate, that's a different story. They'll give you

828
00:44:48.000 --> 00:44:51.800
<v Speaker 2>some time to pay. But it is a problem for kids.

829
00:44:52.679 --> 00:44:55.159
<v Speaker 2>Three ozho three seven one three eight two five five.

830
00:44:55.719 --> 00:45:00.599
<v Speaker 2>Somebody has a question here about for sale by owner. Now,

831
00:45:00.639 --> 00:45:04.880
<v Speaker 2>this person happens to be in Valdiz, North Carolina, and Stephanie,

832
00:45:04.920 --> 00:45:06.639
<v Speaker 2>you took a look at his listing so well, he

833
00:45:06.719 --> 00:45:09.920
<v Speaker 2>wants to know why he cannot even get an offer.

834
00:45:10.599 --> 00:45:12.440
<v Speaker 2>Did you look at that? You looked at it right

835
00:45:12.480 --> 00:45:12.960
<v Speaker 2>the listing.

836
00:45:13.320 --> 00:45:15.199
<v Speaker 6>Yeah, I looked at his listing. The house looks like

837
00:45:15.239 --> 00:45:18.599
<v Speaker 6>a nice property. And I don't know anything about their

838
00:45:18.599 --> 00:45:19.320
<v Speaker 6>market there.

839
00:45:19.239 --> 00:45:22.119
<v Speaker 2>No but but but if you looked at the listening itself.

840
00:45:21.840 --> 00:45:25.840
<v Speaker 6>Ricing goes as far as like location, all of that.

841
00:45:25.920 --> 00:45:29.159
<v Speaker 6>I couldn't but the listing itself, the photos look nice.

842
00:45:29.280 --> 00:45:32.440
<v Speaker 5>I mean looking through it. I watched his virtual tour

843
00:45:33.159 --> 00:45:34.760
<v Speaker 5>that he did, you know, walk through.

844
00:45:34.800 --> 00:45:36.800
<v Speaker 6>I liked the still photos I think better than the

845
00:45:36.880 --> 00:45:38.679
<v Speaker 6>virtual personally, because I felt like.

846
00:45:38.639 --> 00:45:40.559
<v Speaker 2>It might combine a pricing for that area.

847
00:45:40.880 --> 00:45:42.039
<v Speaker 5>Yeah, very possibly.

848
00:45:42.440 --> 00:45:45.559
<v Speaker 2>What is he asking for it? Three three ninety and

849
00:45:45.599 --> 00:45:46.639
<v Speaker 2>it's in North Carolina?

850
00:45:46.719 --> 00:45:50.000
<v Speaker 6>It is, Yeah, And like I said, looking at it,

851
00:45:50.000 --> 00:45:51.440
<v Speaker 6>it looks like a nice property.

852
00:45:51.599 --> 00:45:53.480
<v Speaker 5>I'm looking at it on Zillo. He sent us a

853
00:45:53.519 --> 00:45:55.840
<v Speaker 5>Zilo listing Facebook.

854
00:45:56.000 --> 00:45:56.159
<v Speaker 7>You know.

855
00:45:56.199 --> 00:45:58.199
<v Speaker 5>I looked at the little virtual tour that he had.

856
00:45:58.239 --> 00:45:58.960
<v Speaker 5>Like I said, the.

857
00:45:59.000 --> 00:46:02.679
<v Speaker 6>Virtual tour from me felt like a little bit of

858
00:46:02.719 --> 00:46:05.239
<v Speaker 6>fast through this through some of those rooms.

859
00:46:05.239 --> 00:46:06.519
<v Speaker 5>But that's personal preference.

860
00:46:06.599 --> 00:46:08.800
<v Speaker 6>I would suggest that if he shot that on his

861
00:46:08.880 --> 00:46:11.119
<v Speaker 6>cell phone, you can definitely see a person walk through,

862
00:46:11.239 --> 00:46:13.599
<v Speaker 6>you know, with a some type of recording device you

863
00:46:13.599 --> 00:46:14.719
<v Speaker 6>can see the shadows in it.

864
00:46:15.440 --> 00:46:17.000
<v Speaker 5>I would suggest.

865
00:46:16.760 --> 00:46:21.000
<v Speaker 6>Maybe reshooting that and taking your time a little bit,

866
00:46:21.239 --> 00:46:23.519
<v Speaker 6>panning the rooms a little better, because I did you know.

867
00:46:23.519 --> 00:46:25.599
<v Speaker 2>So many people do this for sale by owner because

868
00:46:25.599 --> 00:46:28.280
<v Speaker 2>they think they're going to save money. Absolutely, So I

869
00:46:28.280 --> 00:46:31.920
<v Speaker 2>looked up Valdiz, North Carolina. If you're listening, the average

870
00:46:31.920 --> 00:46:35.800
<v Speaker 2>home price is two twenty six four. It's a three

871
00:46:35.840 --> 00:46:39.400
<v Speaker 2>point six increase over the past year. It indicates that

872
00:46:39.519 --> 00:46:43.119
<v Speaker 2>the median sale is two thirty five, which is a

873
00:46:43.280 --> 00:46:46.639
<v Speaker 2>four point seven percent year over here. This has been

874
00:46:46.639 --> 00:46:48.840
<v Speaker 2>going up this. I don't know what this guy said.

875
00:46:48.880 --> 00:46:50.800
<v Speaker 2>It's a bad market. It's not a bad market, sir.

876
00:46:52.880 --> 00:46:56.239
<v Speaker 2>And in fact, as of March twenty twenty five, the

877
00:46:56.320 --> 00:46:58.480
<v Speaker 2>median price was two fifty three. And what he's he

878
00:46:58.559 --> 00:47:02.400
<v Speaker 2>asking for it, oh three nine? Oh oh oh. He's

879
00:47:02.440 --> 00:47:05.440
<v Speaker 2>definitely on the high end high for the area, oh

880
00:47:06.320 --> 00:47:09.880
<v Speaker 2>way high. So that seems to be what it is,

881
00:47:09.920 --> 00:47:12.320
<v Speaker 2>three ninety especially for that home. It doesn't look like

882
00:47:12.360 --> 00:47:16.880
<v Speaker 2>a very special home for three ninety now. It's pretty,

883
00:47:17.239 --> 00:47:21.400
<v Speaker 2>it's pretty, yeah it is. Yeah, But I sir, if

884
00:47:21.440 --> 00:47:24.199
<v Speaker 2>you're listening, and I know you texted us that, so

885
00:47:24.280 --> 00:47:27.760
<v Speaker 2>I know you're listening. Uh, I think you're I think

886
00:47:27.760 --> 00:47:31.920
<v Speaker 2>it's price price price, it really is. It's a price

887
00:47:32.000 --> 00:47:35.719
<v Speaker 2>price price anyway. Three oh three seven one three talks

888
00:47:35.719 --> 00:47:40.440
<v Speaker 2>seven one three A two five five. We have more

889
00:47:40.480 --> 00:47:44.000
<v Speaker 2>coming up on the Troubleshooter Show. And if you have

890
00:47:44.199 --> 00:47:46.519
<v Speaker 2>anything about real estate give us a call as well,

891
00:47:46.639 --> 00:47:48.960
<v Speaker 2>or anything on your mind. Someone lies you, cheated you,

892
00:47:49.039 --> 00:47:57.840
<v Speaker 2>or ripped you off. Let's hear about it. Go with

893
00:47:57.920 --> 00:48:01.480
<v Speaker 2>a sure thing Denver's best roofer Excel Roofing dot com.

894
00:48:01.519 --> 00:48:07.280
<v Speaker 2>You don't pay a cent until you're content. Time for

895
00:48:07.280 --> 00:48:11.079
<v Speaker 2>an insurance check up free, no obligation comparison call Compass

896
00:48:11.079 --> 00:48:14.360
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

897
00:48:14.400 --> 00:48:16.920
<v Speaker 2>companies find out now three all three seven seven to

898
00:48:16.960 --> 00:48:19.760
<v Speaker 2>one help. You'll think you're his only customer when you

899
00:48:19.840 --> 00:48:22.280
<v Speaker 2>choose Frank durand the real estate Man dot com to

900
00:48:22.360 --> 00:48:25.519
<v Speaker 2>list your home with Remax Alliance three all three nine

901
00:48:25.599 --> 00:48:35.199
<v Speaker 2>two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter

902
00:48:35.239 --> 00:48:38.239
<v Speaker 2>three O three seven one three eight two five five.

903
00:48:38.920 --> 00:48:42.480
<v Speaker 2>Let me get to you. Uh and uh, let's get

904
00:48:42.519 --> 00:48:45.920
<v Speaker 2>to the phones. And Uh. We have Mark who wants

905
00:48:45.960 --> 00:48:49.079
<v Speaker 2>to comment on the Medicare Medicaid. I told him that

906
00:48:49.519 --> 00:48:53.480
<v Speaker 2>I was talking about Medicaid being eligible that bursts based

907
00:48:53.519 --> 00:48:56.079
<v Speaker 2>on income alone. What do you have to say? Mark?

908
00:48:57.400 --> 00:49:02.920
<v Speaker 16>My question would be, uh said there were qualifications were

909
00:49:02.960 --> 00:49:08.320
<v Speaker 16>basically just your income a lot, but you drive or

910
00:49:09.199 --> 00:49:12.559
<v Speaker 16>money in the bank or homeownership.

911
00:49:12.719 --> 00:49:17.320
<v Speaker 2>Right, that's right, that's right. It's not judged on assets,

912
00:49:17.360 --> 00:49:18.239
<v Speaker 2>only on income.

913
00:49:19.159 --> 00:49:19.519
<v Speaker 3>Okay.

914
00:49:20.000 --> 00:49:24.760
<v Speaker 16>That's my question, Gee, is if you're already on Medicare

915
00:49:25.159 --> 00:49:28.800
<v Speaker 16>for you do lack of income with qualified for Medica,

916
00:49:30.719 --> 00:49:34.119
<v Speaker 16>what's the what we can't have to do to combine

917
00:49:34.159 --> 00:49:34.760
<v Speaker 16>those two?

918
00:49:36.440 --> 00:49:36.760
<v Speaker 9>You know what?

919
00:49:37.840 --> 00:49:39.800
<v Speaker 2>I believe, This is what I believe. But we're going

920
00:49:39.840 --> 00:49:43.400
<v Speaker 2>to call Integra Insurance and find out Mark. So hang on, Kaschina,

921
00:49:43.480 --> 00:49:47.280
<v Speaker 2>get Integra on. I believe when you're on Medicare and

922
00:49:47.320 --> 00:49:51.920
<v Speaker 2>you're really hurting, I believe Medicaid can be a supplement

923
00:49:52.079 --> 00:49:55.719
<v Speaker 2>for you. It takes the place of a supplement. But

924
00:49:55.800 --> 00:49:58.639
<v Speaker 2>I want to find out for sure. So please hang on, Mark,

925
00:49:59.000 --> 00:50:00.199
<v Speaker 2>Please excuse me? What?

926
00:50:00.400 --> 00:50:00.679
<v Speaker 10>Dave?

927
00:50:01.480 --> 00:50:01.800
<v Speaker 2>Yes?

928
00:50:02.280 --> 00:50:03.360
<v Speaker 3>Well, go ahead.

929
00:50:03.159 --> 00:50:08.760
<v Speaker 16>Could you ask the gentleman you're bringing on your specifically

930
00:50:08.800 --> 00:50:13.239
<v Speaker 16>what those income qualifications? Rather than to verify that you

931
00:50:13.679 --> 00:50:21.920
<v Speaker 16>the equity that you have is not a practice.

932
00:50:20.000 --> 00:50:22.119
<v Speaker 2>I will In fact, you can hang on when he

933
00:50:22.199 --> 00:50:24.480
<v Speaker 2>comes on and talk to him yourself. Let's do that

934
00:50:24.559 --> 00:50:32.360
<v Speaker 2>as soon as possible. Okay, thank you, Dave on a hello,

935
00:50:34.000 --> 00:50:35.239
<v Speaker 2>Hi Dave. What's going on?

936
00:50:35.320 --> 00:50:35.519
<v Speaker 9>Sir?

937
00:50:37.719 --> 00:50:40.000
<v Speaker 3>I have a question. My daughter came to me and

938
00:50:40.119 --> 00:50:41.760
<v Speaker 3>she had special.

939
00:50:41.239 --> 00:50:45.199
<v Speaker 1>Needs, and they has had special needs since he was

940
00:50:46.000 --> 00:50:51.079
<v Speaker 1>two years of age, and now she's twenty six, single

941
00:50:52.000 --> 00:50:56.840
<v Speaker 1>lady with a three year old child. The state of

942
00:50:56.920 --> 00:51:00.840
<v Speaker 1>Colorado had given her a back pay for fifteen thousand

943
00:51:00.920 --> 00:51:04.519
<v Speaker 1>dollars and she was going to use that for a

944
00:51:04.599 --> 00:51:07.840
<v Speaker 1>car and getting into an apartment for her and her daughter.

945
00:51:09.320 --> 00:51:15.320
<v Speaker 1>Somehow she got talked too, she said my friend, and

946
00:51:15.360 --> 00:51:19.239
<v Speaker 1>I don't quite believe all of her what she told us,

947
00:51:19.719 --> 00:51:22.760
<v Speaker 1>but he had stamped her out of her fifteen thousand

948
00:51:22.840 --> 00:51:24.639
<v Speaker 1>dollars by asking.

949
00:51:24.519 --> 00:51:26.880
<v Speaker 2>Wait a minute, Wait a minute, Dave, Dave, wait a minute,

950
00:51:26.880 --> 00:51:29.760
<v Speaker 2>wait a minute, I will So what was the fifteen

951
00:51:29.800 --> 00:51:33.840
<v Speaker 2>thousand and four that your daughter god back.

952
00:51:33.639 --> 00:51:37.320
<v Speaker 3>Pay that she did not get from the stink for Medicaid?

953
00:51:37.800 --> 00:51:43.480
<v Speaker 2>So back wait, back disability payments? Yes, sir, what do

954
00:51:43.559 --> 00:51:45.679
<v Speaker 2>you mean back pay? What? Well, what do you mean

955
00:51:45.719 --> 00:51:48.639
<v Speaker 2>back pay? I don't even understand it. Go ahead? Back

956
00:51:48.719 --> 00:51:54.960
<v Speaker 2>pay sometimes for her benefits.

957
00:51:54.760 --> 00:51:58.400
<v Speaker 1>For back to pay for some of her benefits she

958
00:51:58.559 --> 00:51:59.599
<v Speaker 1>had not received.

959
00:52:00.960 --> 00:52:04.800
<v Speaker 2>Okay, so it's for disability payments of some kind. Well,

960
00:52:05.039 --> 00:52:07.599
<v Speaker 2>back to me pay? What do you mean they don't

961
00:52:07.639 --> 00:52:08.199
<v Speaker 2>get paid for.

962
00:52:08.159 --> 00:52:12.440
<v Speaker 14>Being The wrong term? Back pay is if you get

963
00:52:12.920 --> 00:52:16.000
<v Speaker 14>fired for unjust reason, but that's not and then you

964
00:52:16.159 --> 00:52:19.239
<v Speaker 14>fight it, then they reward you what's called back pay.

965
00:52:19.199 --> 00:52:22.599
<v Speaker 2>Dave, I understand that, David, But your daughter fired from

966
00:52:22.599 --> 00:52:23.079
<v Speaker 2>a job.

967
00:52:24.159 --> 00:52:29.679
<v Speaker 1>No, sir, well, yes he was, but that wasn't I

968
00:52:29.679 --> 00:52:32.519
<v Speaker 1>don't I use the wrong terminology.

969
00:52:32.800 --> 00:52:36.440
<v Speaker 12>I'm sorry, Yeah, but we understand what okay saying.

970
00:52:36.480 --> 00:52:40.199
<v Speaker 2>So what you're saying is your daughter should have gotten

971
00:52:40.320 --> 00:52:45.480
<v Speaker 2>benefits earlier, and because she didn't, they gave her a settlement,

972
00:52:46.639 --> 00:52:54.239
<v Speaker 2>yes sir, yes, okay. Now, and what that settlement was

973
00:52:54.280 --> 00:52:55.440
<v Speaker 2>fifteen grand.

974
00:52:56.199 --> 00:53:02.519
<v Speaker 1>Yes, sir, you're just shy at fifteen fifty bucks. But

975
00:53:03.119 --> 00:53:07.639
<v Speaker 1>that money was put into I thought she was capable

976
00:53:07.719 --> 00:53:11.440
<v Speaker 1>of managing that herself, so when she put.

977
00:53:11.199 --> 00:53:13.920
<v Speaker 3>It in the bank, I wasn't kind of.

978
00:53:15.320 --> 00:53:19.320
<v Speaker 2>Involved. So how did she lose How did she lose them?

979
00:53:21.360 --> 00:53:22.719
<v Speaker 2>How did she lose the money?

980
00:53:22.760 --> 00:53:27.360
<v Speaker 1>He sisted that she she needed to give him money,

981
00:53:27.599 --> 00:53:30.239
<v Speaker 1>and the way he wanted to get the money.

982
00:53:30.519 --> 00:53:33.119
<v Speaker 2>Well, well, hold on, hold on, Dave. A guy called

983
00:53:33.119 --> 00:53:36.360
<v Speaker 2>her up out of the blue.

984
00:53:35.599 --> 00:53:38.000
<v Speaker 12>That somebody should knows somebody.

985
00:53:38.079 --> 00:53:42.519
<v Speaker 1>She said it was somebody she knew from the past.

986
00:53:42.800 --> 00:53:43.639
<v Speaker 2>Who that was?

987
00:53:43.920 --> 00:53:46.199
<v Speaker 3>I wasn't gonna but did.

988
00:53:46.480 --> 00:53:49.760
<v Speaker 2>How did he know, Dave? How did this guy know

989
00:53:49.960 --> 00:53:52.599
<v Speaker 2>she got money? Tom, I don't know.

990
00:53:53.519 --> 00:53:56.559
<v Speaker 1>I asked that same question to my wife. I do

991
00:53:56.719 --> 00:53:58.519
<v Speaker 1>not know.

992
00:53:58.880 --> 00:54:02.920
<v Speaker 2>So this guy from her past calls her up and

993
00:54:03.079 --> 00:54:05.639
<v Speaker 2>magically knows she has fifteen.

994
00:54:05.199 --> 00:54:08.360
<v Speaker 1>Grand somehow, I think, So I.

995
00:54:08.280 --> 00:54:08.880
<v Speaker 3>Wrote him.

996
00:54:10.639 --> 00:54:11.559
<v Speaker 2>And what did he do?

997
00:54:13.719 --> 00:54:21.360
<v Speaker 17>He harassed her, hounded her to go to Walmart and

998
00:54:21.559 --> 00:54:27.039
<v Speaker 17>withdraw and buy him the scratch card thanks for a

999
00:54:27.159 --> 00:54:29.199
<v Speaker 17>hundred bucks.

1000
00:54:29.280 --> 00:54:32.880
<v Speaker 2>Okay, listen, this was not a friend of hers. That's

1001
00:54:32.920 --> 00:54:35.480
<v Speaker 2>what she's telling you. She didn't know this person from Adam.

1002
00:54:36.000 --> 00:54:39.039
<v Speaker 2>So a guy talked her into buying.

1003
00:54:38.719 --> 00:54:45.679
<v Speaker 1>What these scratch cards from Walmart that are like a

1004
00:54:45.719 --> 00:54:51.360
<v Speaker 1>gift card and to turn around and take a photograph

1005
00:54:51.519 --> 00:54:53.960
<v Speaker 1>of the receipt for all the gift cards.

1006
00:54:54.039 --> 00:54:57.280
<v Speaker 2>Yeah, this is a classic. It's a classic scam. So

1007
00:54:57.320 --> 00:54:59.880
<v Speaker 2>he basically, did she get rid of did she get

1008
00:55:00.000 --> 00:55:01.880
<v Speaker 2>scammed out of her entire fifteen grand?

1009
00:55:02.639 --> 00:55:02.840
<v Speaker 3>Yes?

1010
00:55:02.880 --> 00:55:07.039
<v Speaker 2>Sir, do you understand David, let me just give you

1011
00:55:07.079 --> 00:55:08.960
<v Speaker 2>the news right up front. There's nothing you can do

1012
00:55:09.000 --> 00:55:09.400
<v Speaker 2>about it.

1013
00:55:11.800 --> 00:55:13.960
<v Speaker 1>Well, you know if I could have put the hammer,

1014
00:55:14.800 --> 00:55:17.480
<v Speaker 1>you know what I heard about it. You're the first

1015
00:55:17.519 --> 00:55:19.079
<v Speaker 1>person I thought whether.

1016
00:55:18.920 --> 00:55:21.239
<v Speaker 3>Or not there was a chance or not.

1017
00:55:21.880 --> 00:55:24.159
<v Speaker 2>I get well, there would be a chance. Hold on,

1018
00:55:24.519 --> 00:55:27.320
<v Speaker 2>if this is truly a guy from her past and

1019
00:55:27.360 --> 00:55:30.119
<v Speaker 2>she has a phone number, does find out does she

1020
00:55:30.159 --> 00:55:33.159
<v Speaker 2>have contact information for this guy? I think she's lying

1021
00:55:33.199 --> 00:55:35.320
<v Speaker 2>to you when she says she knew him. She didn't

1022
00:55:35.360 --> 00:55:37.800
<v Speaker 2>know him. It was some kind of online scam. I

1023
00:55:37.840 --> 00:55:39.679
<v Speaker 2>don't know how they knew she had money, or even

1024
00:55:39.760 --> 00:55:42.719
<v Speaker 2>if they did know, but she got lured in by

1025
00:55:42.760 --> 00:55:46.360
<v Speaker 2>some scam. When you say she has special needs? What

1026
00:55:46.480 --> 00:55:47.760
<v Speaker 2>kind of special needs?

1027
00:55:48.360 --> 00:55:51.000
<v Speaker 3>Lower intelligence intelligence?

1028
00:55:51.559 --> 00:55:54.719
<v Speaker 2>Well when you say lower intelligence, I know a lot

1029
00:55:54.719 --> 00:55:56.920
<v Speaker 2>of people who are lower intelligence and they don't have

1030
00:55:56.960 --> 00:56:01.199
<v Speaker 2>special needs. So do you mean like a mental di say?

1031
00:56:01.480 --> 00:56:03.639
<v Speaker 2>I mean tell me, I mean what is her IQ?

1032
00:56:03.760 --> 00:56:05.719
<v Speaker 2>What is her what is her level? What age?

1033
00:56:06.960 --> 00:56:15.880
<v Speaker 1>She's twenty six? Does she her she's twenty six years

1034
00:56:15.880 --> 00:56:21.239
<v Speaker 1>of age and her IQ lessons in the sixty mark

1035
00:56:21.360 --> 00:56:22.440
<v Speaker 1>lower sixties.

1036
00:56:23.320 --> 00:56:28.559
<v Speaker 2>Oh, well, she's is mentally retarded? Is mentally retarded? Still

1037
00:56:28.559 --> 00:56:30.360
<v Speaker 2>a term or am I going to get in trouble

1038
00:56:30.400 --> 00:56:30.960
<v Speaker 2>for that term?

1039
00:56:31.760 --> 00:56:34.400
<v Speaker 12>IQ in the sixties is a severe what's the term?

1040
00:56:34.480 --> 00:56:36.800
<v Speaker 2>I mean? This woman should be doing business on her own.

1041
00:56:41.800 --> 00:56:45.599
<v Speaker 3>I don't have an answer for you, Tom.

1042
00:56:45.199 --> 00:56:48.199
<v Speaker 2>Dave, but I have a question for you, why why

1043
00:56:48.679 --> 00:56:50.159
<v Speaker 2>don't you have guardianship of her?

1044
00:56:53.079 --> 00:56:56.719
<v Speaker 3>Because social services?

1045
00:56:57.519 --> 00:57:02.039
<v Speaker 1>I feel like she's high functioning and she comes off

1046
00:57:02.119 --> 00:57:06.199
<v Speaker 1>that way, but when it comes down to the fact

1047
00:57:06.280 --> 00:57:11.599
<v Speaker 1>of it, to be fair and honest, she doesn't have

1048
00:57:11.840 --> 00:57:16.840
<v Speaker 1>that capability of sustaining for herself or taking care of.

1049
00:57:16.800 --> 00:57:19.159
<v Speaker 2>So she got rid of So wait did she go

1050
00:57:19.280 --> 00:57:23.960
<v Speaker 2>through Did she go through her entire fifteen grand?

1051
00:57:25.440 --> 00:57:25.639
<v Speaker 1>Yes?

1052
00:57:25.679 --> 00:57:25.880
<v Speaker 3>Sir?

1053
00:57:27.119 --> 00:57:29.119
<v Speaker 2>Wait what was she supposed to? Wait?

1054
00:57:29.119 --> 00:57:29.320
<v Speaker 18>Wait?

1055
00:57:29.320 --> 00:57:29.840
<v Speaker 1>Wait?

1056
00:57:29.920 --> 00:57:34.119
<v Speaker 2>When he was asking Dave, Dave, when he was asking

1057
00:57:34.159 --> 00:57:36.840
<v Speaker 2>for this money, what did he say it was for?

1058
00:57:37.199 --> 00:57:39.199
<v Speaker 2>Did he say she would make money on it? Or

1059
00:57:39.239 --> 00:57:41.000
<v Speaker 2>what was what was in it for her?

1060
00:57:43.280 --> 00:57:48.119
<v Speaker 1>Tom, I was lucky enough to get that much information.

1061
00:57:47.679 --> 00:57:49.039
<v Speaker 2>Out of her. Was okay?

1062
00:57:49.199 --> 00:57:50.360
<v Speaker 3>Keep for being truthful.

1063
00:57:50.920 --> 00:57:55.400
<v Speaker 1>And if I dug into her too far, I know

1064
00:57:55.599 --> 00:57:57.920
<v Speaker 1>I would she would go the other way on me.

1065
00:57:58.119 --> 00:58:03.039
<v Speaker 2>So I was just trying to Yeah, I get it, well,

1066
00:58:03.079 --> 00:58:05.320
<v Speaker 2>I got some bad news. I got some bad news

1067
00:58:05.400 --> 00:58:08.480
<v Speaker 2>for you. I got some bad news for you. Unless

1068
00:58:08.519 --> 00:58:10.760
<v Speaker 2>she can contact this guy and we can get the

1069
00:58:10.800 --> 00:58:13.559
<v Speaker 2>authorities on him. Find out and let me know, really

1070
00:58:14.239 --> 00:58:17.000
<v Speaker 2>find out and let me know if she can get

1071
00:58:18.280 --> 00:58:21.480
<v Speaker 2>Call her and see if she has contact information for

1072
00:58:21.559 --> 00:58:23.920
<v Speaker 2>this guy and call us back. I'm Tom Martinez. We

1073
00:58:24.000 --> 00:58:25.880
<v Speaker 2>have more coming up on the Troubleshooter Show three O

1074
00:58:26.000 --> 00:58:32.559
<v Speaker 2>three seven to one three talk. Go with a sure

1075
00:58:32.679 --> 00:58:36.119
<v Speaker 2>Thing Denver's Best roofer Excel Roofing dot com. You don't

1076
00:58:36.119 --> 00:58:42.119
<v Speaker 2>pay a cent until you're content. Time for an insurance

1077
00:58:42.239 --> 00:58:45.920
<v Speaker 2>check up free, no obligation. In comparison, call Compass Insurance

1078
00:58:46.119 --> 00:58:49.079
<v Speaker 2>paying too much your coverage at dozens of insurance companies

1079
00:58:49.199 --> 00:58:51.239
<v Speaker 2>find out now three O three seven to seven to

1080
00:58:51.280 --> 00:58:54.000
<v Speaker 2>one help. You'll think you're his only customer when you

1081
00:58:54.119 --> 00:58:56.519
<v Speaker 2>choose Frank durand the real estate Man dot com to

1082
00:58:56.639 --> 00:58:59.960
<v Speaker 2>list your home with Remax Alliance three three nine two

1083
00:59:00.079 --> 00:59:09.199
<v Speaker 2>zero sixteen twenty two. Hi Tom Martino here, three O

1084
00:59:09.320 --> 00:59:12.119
<v Speaker 2>three seven one three Talk seven one three eight two

1085
00:59:12.199 --> 00:59:15.239
<v Speaker 2>five five. So Mark had a very interesting question. I

1086
00:59:15.360 --> 00:59:18.800
<v Speaker 2>told him that medicaid is income dependent, and when you're

1087
00:59:18.880 --> 00:59:22.760
<v Speaker 2>on medicaid, you know that's your your coverage, like your

1088
00:59:22.800 --> 00:59:25.719
<v Speaker 2>health insurance. And then he I said, when you're on Medicare,

1089
00:59:26.800 --> 00:59:30.320
<v Speaker 2>can you he asked, can you have both Medicare and Medicaid?

1090
00:59:30.920 --> 00:59:34.800
<v Speaker 2>So I'm asking Integrant Insurance are health insurance experts. John

1091
00:59:34.920 --> 00:59:38.280
<v Speaker 2>Jones Junior's on the line, JJJ, Triple J. That's his

1092
00:59:38.440 --> 00:59:45.559
<v Speaker 2>rap name, Triple J. Hey, so John, integratinsurance dot com. Uh,

1093
00:59:46.960 --> 00:59:50.079
<v Speaker 2>did you tell me one time that when you're eligible

1094
00:59:50.199 --> 00:59:54.199
<v Speaker 2>for both Medicaid kind of becomes your supplement to Medicare

1095
00:59:54.400 --> 00:59:54.559
<v Speaker 2>or not?

1096
00:59:55.320 --> 00:59:57.480
<v Speaker 19>Again, I mean you can have both. You can be

1097
00:59:57.559 --> 01:00:04.400
<v Speaker 19>eligible for both Medicare and Medicaid and they coordinate. So

1098
01:00:06.400 --> 01:00:10.039
<v Speaker 19>there's also other options for you that open up when

1099
01:00:10.119 --> 01:00:12.920
<v Speaker 19>you become or if you are eligible for both Medicare

1100
01:00:13.000 --> 01:00:15.480
<v Speaker 19>and Medicaid, And so we explore those.

1101
01:00:15.440 --> 01:00:19.079
<v Speaker 2>Arts like what like there are like what other options

1102
01:00:19.280 --> 01:00:20.159
<v Speaker 2>there there? Yeah?

1103
01:00:20.159 --> 01:00:23.679
<v Speaker 19>There there are plans that are designed specifically for those

1104
01:00:23.719 --> 01:00:27.440
<v Speaker 19>who are Medicare Medicaid eligible that that that are out there.

1105
01:00:27.519 --> 01:00:30.840
<v Speaker 19>So but yeah, no, absolutely, you can have both and

1106
01:00:30.960 --> 01:00:31.840
<v Speaker 19>be eligible for both.

1107
01:00:32.000 --> 01:00:38.559
<v Speaker 2>Okay, okay, and it's all based on income, right, yes, sir, yes,

1108
01:00:40.639 --> 01:00:44.000
<v Speaker 2>because a lot of people wonder and that would be yeah,

1109
01:00:44.679 --> 01:00:50.000
<v Speaker 2>a lot of people. No, it's okay. A lot of

1110
01:00:50.039 --> 01:00:52.840
<v Speaker 2>people say, why should someone be on medicaid if they

1111
01:00:52.920 --> 01:00:54.119
<v Speaker 2>live in a million dollar house?

1112
01:00:56.119 --> 01:01:01.039
<v Speaker 19>Well, they they may take into account assets. But that's

1113
01:01:01.199 --> 01:01:03.639
<v Speaker 19>that gets more specifically into the medicaid side of things.

1114
01:01:04.599 --> 01:01:10.000
<v Speaker 2>That the only time John, they take into consideration assets.

1115
01:01:10.559 --> 01:01:14.159
<v Speaker 2>The only time they take assets into consideration is for

1116
01:01:14.280 --> 01:01:17.719
<v Speaker 2>assisted living or nursing homes or stuff like that. For

1117
01:01:17.880 --> 01:01:26.639
<v Speaker 2>regular medicaid for doctors. Right, yes, yeah, So it's important

1118
01:01:26.679 --> 01:01:30.920
<v Speaker 2>to know that the regular Medicaid, for regular daily medicaid,

1119
01:01:31.400 --> 01:01:35.599
<v Speaker 2>it's income dependent and a lot of people are eligible

1120
01:01:35.679 --> 01:01:40.199
<v Speaker 2>that aren't even applying. So, John, when someone becomes eligible,

1121
01:01:40.760 --> 01:01:43.800
<v Speaker 2>let's say, or not becomes they've been eligible but didn't

1122
01:01:43.840 --> 01:01:47.199
<v Speaker 2>know about it, they racked up bills, and now they

1123
01:01:47.320 --> 01:01:50.559
<v Speaker 2>go on Medicaid. Does it go retroactive at all?

1124
01:01:51.320 --> 01:01:55.639
<v Speaker 19>It can go retroactive. I believe three months. I believe

1125
01:01:55.840 --> 01:02:01.360
<v Speaker 19>three months now two years, certainly, but it can go

1126
01:02:01.639 --> 01:02:03.639
<v Speaker 19>when you when you do the application that ask about

1127
01:02:03.639 --> 01:02:05.519
<v Speaker 19>medical bills for the last three months.

1128
01:02:07.239 --> 01:02:10.199
<v Speaker 2>Now you said to apply for Medicaid. You can do

1129
01:02:10.280 --> 01:02:13.079
<v Speaker 2>it online or you can do it by phone. I

1130
01:02:13.280 --> 01:02:16.119
<v Speaker 2>was helping someone the other day and we made a

1131
01:02:16.239 --> 01:02:20.320
<v Speaker 2>phone call to that number and it says your wait

1132
01:02:20.480 --> 01:02:26.599
<v Speaker 2>time is three point five hours. Three point five hours,

1133
01:02:28.639 --> 01:02:31.119
<v Speaker 2>so they expect people to wait on the phone.

1134
01:02:31.960 --> 01:02:33.280
<v Speaker 19>If you can put it on hold and do some

1135
01:02:33.360 --> 01:02:38.159
<v Speaker 19>other things because our experience is the Yeah, the wait

1136
01:02:38.199 --> 01:02:40.840
<v Speaker 19>time is certainly longer than just doing it online, but

1137
01:02:41.079 --> 01:02:43.960
<v Speaker 19>there's a at least based on our experience or the

1138
01:02:44.079 --> 01:02:50.480
<v Speaker 19>higher percentage of that application being approved immediately versus having

1139
01:02:50.559 --> 01:02:51.639
<v Speaker 19>to wait for approval.

1140
01:02:52.199 --> 01:02:53.800
<v Speaker 9>If if you were to do it.

1141
01:02:53.800 --> 01:02:56.559
<v Speaker 19>Online, you can take up to ivery think forty two

1142
01:02:56.679 --> 01:02:57.599
<v Speaker 19>days to be approved.

1143
01:02:58.719 --> 01:03:01.159
<v Speaker 2>Oh and if you do it by phone, it can

1144
01:03:01.239 --> 01:03:03.440
<v Speaker 2>be almost immediate, but you have to just wait on

1145
01:03:03.519 --> 01:03:04.400
<v Speaker 2>those waight times.

1146
01:03:05.039 --> 01:03:07.239
<v Speaker 19>Yeah, and it can a still be approved almost immediately

1147
01:03:07.320 --> 01:03:09.599
<v Speaker 19>if you do it electronicity, if you do it online.

1148
01:03:09.639 --> 01:03:13.159
<v Speaker 19>It's just our experience has always been it's been a

1149
01:03:13.199 --> 01:03:19.880
<v Speaker 19>lot higher percentage that has approved immediately, much more of okay, yeah, by.

1150
01:03:19.840 --> 01:03:24.159
<v Speaker 2>Calling the number now now Mark Mark was the one

1151
01:03:24.199 --> 01:03:27.400
<v Speaker 2>with the original question about Medicare slash Medicaid, Mark, do

1152
01:03:27.440 --> 01:03:29.119
<v Speaker 2>you have any questions for John Jones?

1153
01:03:29.960 --> 01:03:32.960
<v Speaker 16>Well, I just want to make just more understand that.

1154
01:03:35.400 --> 01:03:35.840
<v Speaker 1>There are no.

1155
01:03:38.440 --> 01:03:42.880
<v Speaker 16>Values established in terms of property owned, or vehicles owned

1156
01:03:43.280 --> 01:03:51.000
<v Speaker 16>or money in the No no, no no, because I

1157
01:03:51.159 --> 01:03:58.960
<v Speaker 16>went on the site of Medicaid Connect for Colorado and

1158
01:04:00.679 --> 01:04:03.559
<v Speaker 16>there was a stipulation regarding to the value of your

1159
01:04:03.639 --> 01:04:07.400
<v Speaker 16>car and I've not that a change or you couldn't

1160
01:04:07.400 --> 01:04:07.840
<v Speaker 16>have a house.

1161
01:04:07.880 --> 01:04:14.880
<v Speaker 2>Okay, Mark, Mark knows, Mark having helped numerous people, Let

1162
01:04:14.960 --> 01:04:17.320
<v Speaker 2>me explain this to you. They may want to know

1163
01:04:17.400 --> 01:04:19.719
<v Speaker 2>about your house, they may want to know about your car,

1164
01:04:20.239 --> 01:04:23.559
<v Speaker 2>but they do not use it to disqualify you from

1165
01:04:23.639 --> 01:04:28.719
<v Speaker 2>regular medicaid. The only time Medicaid seeks your equity and

1166
01:04:28.960 --> 01:04:34.199
<v Speaker 2>assets is when you are looking for assisted living or

1167
01:04:34.320 --> 01:04:41.039
<v Speaker 2>nursing homes. Okay, Now it's called medicaid. I mean, there

1168
01:04:41.119 --> 01:04:44.400
<v Speaker 2>aren't two kinds of Medicaid. There's one. But I assure

1169
01:04:44.440 --> 01:04:48.400
<v Speaker 2>you when it comes to regular Medicaid, they don't care

1170
01:04:48.960 --> 01:04:52.639
<v Speaker 2>about your house and cars. I don't know why, but

1171
01:04:52.840 --> 01:04:57.440
<v Speaker 2>they don't. And all they care about is your income. Now,

1172
01:04:57.599 --> 01:05:02.199
<v Speaker 2>if you were to apply for assisted living or a

1173
01:05:02.400 --> 01:05:07.519
<v Speaker 2>nursing home, then they would make you sell off your assets.

1174
01:05:07.880 --> 01:05:09.159
<v Speaker 2>Do I have that right, John?

1175
01:05:11.480 --> 01:05:14.320
<v Speaker 19>I mean there's the clawback, and there's certainly information about that.

1176
01:05:14.519 --> 01:05:17.079
<v Speaker 19>When we give our clients information about how First Colorado,

1177
01:05:17.119 --> 01:05:21.320
<v Speaker 19>that's included in there, and so I recommend that you

1178
01:05:22.159 --> 01:05:27.199
<v Speaker 19>research that sum. As far as calling back assets, they.

1179
01:05:27.199 --> 01:05:31.039
<v Speaker 2>Don't clawback except for living. John, I went through this

1180
01:05:31.559 --> 01:05:35.320
<v Speaker 2>time and time again. They do not clawback for normal

1181
01:05:35.559 --> 01:05:39.639
<v Speaker 2>medical expenses. The only time they do that is when

1182
01:05:39.719 --> 01:05:45.239
<v Speaker 2>you need either in resident residential rehabilitation, nursing homes or

1183
01:05:45.280 --> 01:05:48.880
<v Speaker 2>assisted living. Then they go in and want to be

1184
01:05:49.039 --> 01:05:56.360
<v Speaker 2>reimbursed regular doctors' visits and surgeries and regular procedures. I

1185
01:05:56.480 --> 01:06:00.679
<v Speaker 2>have never heard of them ever once, not once going

1186
01:06:00.840 --> 01:06:07.119
<v Speaker 2>after people's assets for that stuff ever, not once. So Mark,

1187
01:06:07.440 --> 01:06:10.679
<v Speaker 2>you know, okay, are you eligible for Medicaid?

1188
01:06:11.880 --> 01:06:12.360
<v Speaker 16>Possibly?

1189
01:06:14.199 --> 01:06:19.159
<v Speaker 2>Okay? What is your income? What is your income right now?

1190
01:06:19.280 --> 01:06:20.440
<v Speaker 9>It's it's nonimal.

1191
01:06:23.039 --> 01:06:30.719
<v Speaker 2>Normal. Well, I think, hey, John, what is the what

1192
01:06:30.960 --> 01:06:34.440
<v Speaker 2>is what is the qualification for someone uh to get

1193
01:06:34.519 --> 01:06:36.000
<v Speaker 2>on medicaid? What is the income?

1194
01:06:36.679 --> 01:06:37.960
<v Speaker 19>Are you a single tax filer?

1195
01:06:38.039 --> 01:06:38.239
<v Speaker 2>Sir?

1196
01:06:39.679 --> 01:06:39.840
<v Speaker 8>Yes?

1197
01:06:40.880 --> 01:06:41.119
<v Speaker 1>Okay.

1198
01:06:41.320 --> 01:06:45.639
<v Speaker 19>Then if the income is at or below one thousand

1199
01:06:45.760 --> 01:06:48.440
<v Speaker 19>or below five dollars a month?

1200
01:06:49.679 --> 01:06:49.960
<v Speaker 16>Okay?

1201
01:06:50.760 --> 01:06:53.800
<v Speaker 2>Okay? Is that net or gross?

1202
01:06:55.039 --> 01:06:55.800
<v Speaker 19>That's modified?

1203
01:06:58.679 --> 01:07:03.559
<v Speaker 2>Okay? Okay, So it's modified adjusted gross income under seventeen

1204
01:07:03.639 --> 01:07:04.719
<v Speaker 2>hundred a month? Is that right?

1205
01:07:05.480 --> 01:07:05.719
<v Speaker 13>Okay?

1206
01:07:05.880 --> 01:07:06.880
<v Speaker 9>Yeah? Approximately one?

1207
01:07:09.480 --> 01:07:14.719
<v Speaker 2>And how is it adjustified? Yes, what that's the bottom line.

1208
01:07:15.440 --> 01:07:16.440
<v Speaker 3>How has it adjusted?

1209
01:07:16.559 --> 01:07:16.800
<v Speaker 2>John?

1210
01:07:18.599 --> 01:07:20.880
<v Speaker 19>Well, when it comes so modified, a justic gross income

1211
01:07:20.960 --> 01:07:24.079
<v Speaker 19>can take into account types of income that are not

1212
01:07:24.199 --> 01:07:25.880
<v Speaker 19>part of your adjustice gross. But this gets into the

1213
01:07:26.039 --> 01:07:28.840
<v Speaker 19>CPA side where I have to say I'm not certified

1214
01:07:28.880 --> 01:07:30.519
<v Speaker 19>on that. Okay, things you're gonna want to talk to

1215
01:07:30.519 --> 01:07:33.159
<v Speaker 19>your CPA to make sure that you're modified. That you

1216
01:07:33.280 --> 01:07:35.079
<v Speaker 19>understand you're modified astic gross income.

1217
01:07:36.480 --> 01:07:39.320
<v Speaker 2>Okay, all right, thank you very much. Now, by the way,

1218
01:07:39.400 --> 01:07:41.679
<v Speaker 2>Integra Insurance, if you're looking for any kind of health

1219
01:07:41.719 --> 01:07:44.880
<v Speaker 2>insurance three zho three four six six fifty five hundred.

1220
01:07:45.320 --> 01:07:47.760
<v Speaker 2>That's zero three four sixty six fifty five hundred more

1221
01:07:47.840 --> 01:07:56.960
<v Speaker 2>coming up. Go with a sure thing Denver's best roofer

1222
01:07:57.159 --> 01:08:00.079
<v Speaker 2>Excel Roofing dot com. You don't pay a cent. Oh

1223
01:08:00.079 --> 01:08:05.000
<v Speaker 2>you're content, wait top of it. Time for an insurance

1224
01:08:05.079 --> 01:08:09.199
<v Speaker 2>checkup free, no obligation. In comparison, call Compass Insurance paying

1225
01:08:09.239 --> 01:08:12.280
<v Speaker 2>too much your coverage at dozens of insurance companies find

1226
01:08:12.320 --> 01:08:14.599
<v Speaker 2>out now three all three, seven seven to one help.

1227
01:08:14.800 --> 01:08:17.439
<v Speaker 2>You'll think you're his only customer. When you choose Frank

1228
01:08:17.520 --> 01:08:19.920
<v Speaker 2>durand the real estate Man dot com to list your

1229
01:08:20.000 --> 01:08:23.119
<v Speaker 2>home with Remax alliance three all three nine two zero

1230
01:08:23.239 --> 01:08:31.479
<v Speaker 2>sixteen twenty two. Hi, Tom Martino, you're troubleshooter. Three oh

1231
01:08:31.520 --> 01:08:34.960
<v Speaker 2>three seven one three talk three oh three seven one

1232
01:08:35.039 --> 01:08:38.640
<v Speaker 2>three eight two five five. All Right, So we've learned

1233
01:08:38.640 --> 01:08:41.239
<v Speaker 2>a lot about Medicare and medicaid and all of that.

1234
01:08:41.880 --> 01:08:43.680
<v Speaker 2>Now we move on to a topic. I'm gonna go

1235
01:08:43.720 --> 01:08:47.159
<v Speaker 2>back to Stephanie Thomas with his Stephanie by the way,

1236
01:08:47.159 --> 01:08:48.760
<v Speaker 2>if you want to get in touch with her. Stephanie

1237
01:08:49.439 --> 01:08:53.399
<v Speaker 2>R stands for real Estate stephaniear dot com. So, Stephanie,

1238
01:08:53.439 --> 01:08:56.119
<v Speaker 2>you said you pulled some stats on what I did.

1239
01:08:56.319 --> 01:08:58.560
<v Speaker 6>So I pulled a few numbers from Colorado Springs that

1240
01:08:58.600 --> 01:09:02.600
<v Speaker 6>I wanted to share because with our elevated days on

1241
01:09:02.720 --> 01:09:05.319
<v Speaker 6>market and average days on market being higher, I guess

1242
01:09:05.359 --> 01:09:07.960
<v Speaker 6>I just wanted to kind of give everyone some hope that.

1243
01:09:08.000 --> 01:09:10.520
<v Speaker 5>We're starting to see things pick up. We are starting

1244
01:09:10.600 --> 01:09:11.039
<v Speaker 5>to see that.

1245
01:09:11.600 --> 01:09:14.800
<v Speaker 6>So in the last ninety days, we've had one thousand,

1246
01:09:14.840 --> 01:09:16.880
<v Speaker 6>six hundred and seventy four homes that have sold in

1247
01:09:16.920 --> 01:09:18.119
<v Speaker 6>the Colorado Springs market.

1248
01:09:18.560 --> 01:09:22.479
<v Speaker 5>This is a single family and also a multi family combined.

1249
01:09:22.520 --> 01:09:26.359
<v Speaker 6>So I'm just looking at current numbers currently under contract,

1250
01:09:26.520 --> 01:09:29.800
<v Speaker 6>though in Colorado springs. I've got one and forty six,

1251
01:09:30.359 --> 01:09:32.920
<v Speaker 6>so that is telling us that's more than the last

1252
01:09:33.000 --> 01:09:36.439
<v Speaker 6>three months of solts combined. So the great news there

1253
01:09:36.520 --> 01:09:39.680
<v Speaker 6>is we are seeing things pick up. So that means

1254
01:09:39.800 --> 01:09:41.399
<v Speaker 6>it is still a strong time if you want to

1255
01:09:41.439 --> 01:09:44.640
<v Speaker 6>list your home. It's still a great time to buy.

1256
01:09:45.000 --> 01:09:47.359
<v Speaker 6>You know, with elevated days on market, we are still

1257
01:09:47.399 --> 01:09:48.920
<v Speaker 6>able to negotiate strong.

1258
01:09:48.760 --> 01:09:50.800
<v Speaker 5>Deals current actives.

1259
01:09:50.840 --> 01:09:53.319
<v Speaker 6>I've got two eight hundred and forty nine, so we

1260
01:09:53.439 --> 01:09:55.840
<v Speaker 6>have a fair amount of inventory, but we are still

1261
01:09:56.000 --> 01:09:57.680
<v Speaker 6>technically on this historical life.

1262
01:09:57.720 --> 01:09:59.000
<v Speaker 2>Is there a hot price range?

1263
01:10:00.359 --> 01:10:02.840
<v Speaker 6>You know, I was kind of looking, I don't have

1264
01:10:03.000 --> 01:10:05.479
<v Speaker 6>a lot of inventory under four hundred thousand in this

1265
01:10:05.520 --> 01:10:09.119
<v Speaker 6>single family homes. Wow, So I would say anything you

1266
01:10:09.159 --> 01:10:11.760
<v Speaker 6>know there that's still a helping You imagine.

1267
01:10:11.279 --> 01:10:13.479
<v Speaker 2>Not being able to find a home under four hundred.

1268
01:10:14.199 --> 01:10:17.079
<v Speaker 5>You know you can, It's just I don't have a ton.

1269
01:10:17.800 --> 01:10:19.920
<v Speaker 2>So if I go ahead, are they usually fix your

1270
01:10:19.960 --> 01:10:21.600
<v Speaker 2>uppers or what when they're under four hundred?

1271
01:10:21.800 --> 01:10:23.399
<v Speaker 5>You know, I'm seeing the mix. I've got a buyer

1272
01:10:23.479 --> 01:10:24.760
<v Speaker 5>shopping that right now.

1273
01:10:25.079 --> 01:10:28.039
<v Speaker 6>And we've seen a really strong mix of some really

1274
01:10:28.119 --> 01:10:31.000
<v Speaker 6>nice renovated homes and then some that need some love.

1275
01:10:31.279 --> 01:10:34.039
<v Speaker 6>But I just pulled single families under four hundred thousand

1276
01:10:34.119 --> 01:10:36.479
<v Speaker 6>in Colorado Springs and I have two hundred and twenty seven.

1277
01:10:36.560 --> 01:10:38.960
<v Speaker 5>So it's not that they're not out there, there's just.

1278
01:10:39.079 --> 01:10:41.720
<v Speaker 2>Not a ton. What are some of the lowest price homes?

1279
01:10:42.319 --> 01:10:44.920
<v Speaker 2>Tell me what a starter? The lowest price you can

1280
01:10:45.000 --> 01:10:46.319
<v Speaker 2>think of that you've seen recently?

1281
01:10:46.600 --> 01:10:47.199
<v Speaker 5>Oh goodness.

1282
01:10:47.319 --> 01:10:49.640
<v Speaker 6>I mean there's some neighborhoods that I've seen, some in

1283
01:10:49.680 --> 01:10:51.880
<v Speaker 6>the two hundreds, But every neighborhood like that's going to

1284
01:10:51.920 --> 01:10:52.439
<v Speaker 6>have a gotcha.

1285
01:10:52.920 --> 01:10:55.359
<v Speaker 5>So we have and I'm actually listing a home.

1286
01:10:55.520 --> 01:10:56.560
<v Speaker 2>You know, what do you mean a gotcha?

1287
01:10:56.880 --> 01:10:57.720
<v Speaker 5>In this neighborhood?

1288
01:10:58.840 --> 01:11:02.640
<v Speaker 6>These homes look really, I would say, very nice compared

1289
01:11:02.680 --> 01:11:06.000
<v Speaker 6>for the price point you know, two hundred to you know,

1290
01:11:06.079 --> 01:11:09.600
<v Speaker 6>two fifty two sixty five. This particular neighborhood, though, is

1291
01:11:09.880 --> 01:11:14.039
<v Speaker 6>what's called a leasehold, so you're purchasing the improvements on

1292
01:11:14.119 --> 01:11:16.960
<v Speaker 6>the property, you're not purchasing the property itself, so you

1293
01:11:17.159 --> 01:11:20.039
<v Speaker 6>have a large monthly leasehold payment on top of that

1294
01:11:20.159 --> 01:11:23.680
<v Speaker 6>purchase price. The current leasehold payment for that particular neighborhood

1295
01:11:23.720 --> 01:11:25.439
<v Speaker 6>is seven hundred and fifty dollars a month.

1296
01:11:25.640 --> 01:11:28.079
<v Speaker 2>So wow, wow, that's weird.

1297
01:11:29.279 --> 01:11:32.199
<v Speaker 5>The price is great. You have this additional payment, the.

1298
01:11:32.239 --> 01:11:34.600
<v Speaker 2>Additional payment for what though for the land.

1299
01:11:34.479 --> 01:11:36.039
<v Speaker 5>For the land rental of the land.

1300
01:11:36.800 --> 01:11:40.079
<v Speaker 2>It's you're renting the land. Is it a mobile homemans,

1301
01:11:40.159 --> 01:11:41.000
<v Speaker 2>It's not a mobile.

1302
01:11:41.079 --> 01:11:44.159
<v Speaker 6>It's a modular so they're permanently affixed to the property.

1303
01:11:44.319 --> 01:11:45.680
<v Speaker 5>So you have to have this lease.

1304
01:11:45.920 --> 01:11:48.039
<v Speaker 2>But for home ownership it might be a way to

1305
01:11:48.119 --> 01:11:49.119
<v Speaker 2>get into home ownership.

1306
01:11:49.840 --> 01:11:52.800
<v Speaker 6>It can, but that seven point fifty is tacked on

1307
01:11:52.920 --> 01:11:56.640
<v Speaker 6>top monthly great payment, so you're qualifying.

1308
01:11:56.880 --> 01:11:57.920
<v Speaker 5>It's going to be a lot higher.

1309
01:11:58.079 --> 01:12:01.920
<v Speaker 2>We got more coming up on the Troubleshooter Show. Go

1310
01:12:02.119 --> 01:12:05.680
<v Speaker 2>with a sure Thing Denver's Best Roofer Excel Roofing dot com.

1311
01:12:05.880 --> 01:12:11.560
<v Speaker 2>You don't pay a cent until you're content. Time for

1312
01:12:11.640 --> 01:12:15.359
<v Speaker 2>an insurance check up, free no obligation comparison call Compass

1313
01:12:15.439 --> 01:12:18.680
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

1314
01:12:18.720 --> 01:12:21.199
<v Speaker 2>companies find out now three oh three seven to seven

1315
01:12:21.239 --> 01:12:24.000
<v Speaker 2>to one help. You'll think you're his only customer when

1316
01:12:24.000 --> 01:12:26.279
<v Speaker 2>you choose Frank durand the real estate Man dot com

1317
01:12:26.520 --> 01:12:29.640
<v Speaker 2>to list your home with Remax Alliance three oh three

1318
01:12:29.720 --> 01:12:41.279
<v Speaker 2>nine two zero sixteen twenty two with news you need advice.

1319
01:12:41.399 --> 01:12:42.199
<v Speaker 2>Who you don't have.

1320
01:12:44.880 --> 01:12:49.439
<v Speaker 20>Run anxious ass as you can show Shooter's gonna help.

1321
01:12:49.720 --> 01:12:57.920
<v Speaker 4>Come man, This is the Troubleshooter Show. No Tom Martino, Hi.

1322
01:12:57.960 --> 01:13:00.319
<v Speaker 2>Tom Martino here, Welcome to the show. Three all three

1323
01:13:00.399 --> 01:13:02.439
<v Speaker 2>seven one three talkers our number seven one three A

1324
01:13:02.520 --> 01:13:05.239
<v Speaker 2>two five five, Or you can call three oh three

1325
01:13:05.319 --> 01:13:09.279
<v Speaker 2>Martino twenty four to seven and leave a message and

1326
01:13:09.399 --> 01:13:12.800
<v Speaker 2>we will get back to you. Now. Do you know,

1327
01:13:12.960 --> 01:13:17.600
<v Speaker 2>speaking of let's say real estate, we have Stephanie with

1328
01:13:17.680 --> 01:13:21.800
<v Speaker 2>us today, Stephanie Thomas Stephanieri dot com. She's with Cold

1329
01:13:21.840 --> 01:13:25.680
<v Speaker 2>Oil Bankers in Colorado springs By So friendly cities? Do

1330
01:13:25.760 --> 01:13:29.399
<v Speaker 2>you know that a survey was done by America, but

1331
01:13:29.840 --> 01:13:34.600
<v Speaker 2>it was done about America's friendliest cities. It's a survey

1332
01:13:35.640 --> 01:13:39.920
<v Speaker 2>by a group called Yuzu. And what they do is

1333
01:13:40.359 --> 01:13:45.119
<v Speaker 2>they provide information to Asians traveling in America and they

1334
01:13:45.319 --> 01:13:48.039
<v Speaker 2>have a matrix they use to find the best and

1335
01:13:48.159 --> 01:13:53.760
<v Speaker 2>most friendly cities. And real estate people have begun using

1336
01:13:54.039 --> 01:13:58.840
<v Speaker 2>this for people who are making moves and they use

1337
01:13:59.000 --> 01:14:04.880
<v Speaker 2>the friendly quotient. So what's the friendliest city in America?

1338
01:14:05.000 --> 01:14:08.119
<v Speaker 2>According to you zoo? Take a guess. Okay, I'm going

1339
01:14:08.159 --> 01:14:10.000
<v Speaker 2>to tell you something. If you can guess, I'm going

1340
01:14:10.039 --> 01:14:12.039
<v Speaker 2>to give you a hundred dollars right now, the one

1341
01:14:12.119 --> 01:14:14.600
<v Speaker 2>time you can't look it up right now, go on, guess,

1342
01:14:14.760 --> 01:14:18.640
<v Speaker 2>one hundred dollars, Dmitri, go ahead, Hold on, brother, go ahead.

1343
01:14:18.800 --> 01:14:22.640
<v Speaker 2>It's going to be somewhere in New Jersey. Okay, Eh, no,

1344
01:14:23.239 --> 01:14:26.039
<v Speaker 2>seventy Thomas friendliest city in America. Don't you look at

1345
01:14:26.079 --> 01:14:26.479
<v Speaker 2>my list?

1346
01:14:26.680 --> 01:14:29.840
<v Speaker 5>I can't read that far. I have no idea.

1347
01:14:30.079 --> 01:14:33.520
<v Speaker 2>Okay, Dragon, one hundred bucks, friendliest city and you wait, Dragon,

1348
01:14:33.720 --> 01:14:35.399
<v Speaker 2>are you looking at it? Dragging? You lie?

1349
01:14:35.560 --> 01:14:35.640
<v Speaker 9>Oh?

1350
01:14:35.840 --> 01:14:36.840
<v Speaker 2>No, Dragon? Go ahead?

1351
01:14:37.279 --> 01:14:37.399
<v Speaker 1>Uh.

1352
01:14:37.960 --> 01:14:45.119
<v Speaker 2>Friendliest City Boulder, Oh Katchina Calori, the friendliest city, Salt

1353
01:14:45.199 --> 01:14:53.960
<v Speaker 2>Lake City. Okay, Okay, I didn't not Yeah you looked

1354
01:14:54.000 --> 01:14:58.760
<v Speaker 2>it up, you little creep. Now, and I didn't include you, bo,

1355
01:14:59.000 --> 01:15:04.880
<v Speaker 2>so shut up. It's San Diego, Bo, you little you

1356
01:15:05.119 --> 01:15:06.760
<v Speaker 2>googled it. I didn't do it.

1357
01:15:06.840 --> 01:15:08.079
<v Speaker 18>I don't have a kampruit here.

1358
01:15:09.079 --> 01:15:13.479
<v Speaker 2>Number two. Go get number two, and it's a trifecta,

1359
01:15:14.319 --> 01:15:19.159
<v Speaker 2>not a trifectaymore anyway, Yeah, number two? Go ahead? What's

1360
01:15:19.199 --> 01:15:21.479
<v Speaker 2>the number two? You say, San Diego is the friendliest city?

1361
01:15:21.600 --> 01:15:28.680
<v Speaker 2>Number two? Raleigh, North Carolina? Yep. Number three Phoenix, Arizona,

1362
01:15:29.039 --> 01:15:34.520
<v Speaker 2>number four, Miami Fort Lottery of my ass, Miami Fort Lauderdale.

1363
01:15:35.159 --> 01:15:39.119
<v Speaker 2>I've been down there. That ain't friendly. I think Raleigh is.

1364
01:15:40.079 --> 01:15:44.680
<v Speaker 2>I don't know about San Diego, Houston, number five, number six, Honolulu.

1365
01:15:47.119 --> 01:15:51.560
<v Speaker 2>Then Boston, what are you kidding me? How can Boston, Cambridge,

1366
01:15:51.640 --> 01:15:55.600
<v Speaker 2>Newton be on the top ten. They are the snobbiest

1367
01:15:55.600 --> 01:15:58.479
<v Speaker 2>snobs of the snob snob snobs I've ever seen, and

1368
01:15:58.600 --> 01:16:02.720
<v Speaker 2>I've been out there a lot. And then San Jose, Yes,

1369
01:16:02.800 --> 01:16:05.880
<v Speaker 2>San Jose. They're just happy you come there because it's

1370
01:16:05.920 --> 01:16:10.119
<v Speaker 2>such a rat city. Minneapolis, Saint Paul number nine and

1371
01:16:10.279 --> 01:16:13.880
<v Speaker 2>number ten, number ten. What do you think, drum roll?

1372
01:16:14.000 --> 01:16:14.319
<v Speaker 7>Please?

1373
01:16:14.560 --> 01:16:24.239
<v Speaker 2>Number ten? Ready? Denver really the tenth most friendly city.

1374
01:16:24.920 --> 01:16:29.880
<v Speaker 2>But I think Denver's way friendlier than Boston, way friendlier.

1375
01:16:30.399 --> 01:16:33.920
<v Speaker 2>But anyway, that's for real estate. Actually, what do people

1376
01:16:34.119 --> 01:16:36.760
<v Speaker 2>ask about when they ask for real estate? Sephanie?

1377
01:16:36.800 --> 01:16:37.000
<v Speaker 9>Really?

1378
01:16:37.039 --> 01:16:39.239
<v Speaker 2>What are they concerned about? Coming from another state? What

1379
01:16:39.359 --> 01:16:41.680
<v Speaker 2>do they ask about? Because I mean they can pick

1380
01:16:41.720 --> 01:16:43.880
<v Speaker 2>Denver or Color Roder Springs, Let's say they can pick anywhere.

1381
01:16:43.920 --> 01:16:45.640
<v Speaker 2>What are they looking for? You know, a lot of.

1382
01:16:45.680 --> 01:16:49.840
<v Speaker 5>Times people are shopping things like school.

1383
01:16:49.560 --> 01:16:51.600
<v Speaker 2>Districts, Yeah, they have kids.

1384
01:16:51.880 --> 01:16:52.399
<v Speaker 5>Absolutely.

1385
01:16:53.119 --> 01:16:55.520
<v Speaker 6>We look at a lot of times vicinity to their

1386
01:16:55.560 --> 01:16:59.079
<v Speaker 6>employment and that tends to be a huge determining factor

1387
01:16:59.199 --> 01:17:03.319
<v Speaker 6>for people. Another thing, though, people will shop based on

1388
01:17:03.800 --> 01:17:07.279
<v Speaker 6>their activities that they enjoy, so their hobbies. Some people

1389
01:17:07.319 --> 01:17:08.960
<v Speaker 6>are going to shop based on you know, if they

1390
01:17:09.119 --> 01:17:10.840
<v Speaker 6>like to mountain bike ride, they're going to be they

1391
01:17:10.880 --> 01:17:12.399
<v Speaker 6>want to be close to some trail access.

1392
01:17:12.880 --> 01:17:15.079
<v Speaker 5>So there's some things like that that you know, people

1393
01:17:15.159 --> 01:17:15.920
<v Speaker 5>definitely shop for.

1394
01:17:16.239 --> 01:17:20.800
<v Speaker 2>Do you know that Denver did not even make the

1395
01:17:20.880 --> 01:17:24.840
<v Speaker 2>America's twenty Most Livable Cities America's top twenty.

1396
01:17:25.359 --> 01:17:27.800
<v Speaker 6>Colorado Springs tends to fare pretty well on some of

1397
01:17:27.840 --> 01:17:30.119
<v Speaker 6>those independent studies, you know where it's a lot of

1398
01:17:30.199 --> 01:17:32.920
<v Speaker 6>times voted one of the you know, top places to go.

1399
01:17:33.760 --> 01:17:35.239
<v Speaker 6>And I think a lot of that is there's a

1400
01:17:35.319 --> 01:17:37.079
<v Speaker 6>lot of amenity in Colorado Springs.

1401
01:17:37.119 --> 01:17:39.600
<v Speaker 5>You've got a lot of you know, the outdoors, the

1402
01:17:39.720 --> 01:17:42.479
<v Speaker 5>beauty of like Garden of the Gods. You're so close

1403
01:17:42.520 --> 01:17:44.960
<v Speaker 5>to Pike's people. Okay, now, people there.

1404
01:17:44.920 --> 01:17:48.479
<v Speaker 2>Okay, let's talk about this. This this one consumer group

1405
01:17:48.640 --> 01:17:52.079
<v Speaker 2>again advising real estate people and rent people who are

1406
01:17:52.119 --> 01:17:56.399
<v Speaker 2>looking to rent their homes out and also something called

1407
01:17:56.439 --> 01:17:58.920
<v Speaker 2>the visual capitalists. They have come up with a chart

1408
01:17:59.640 --> 01:18:02.920
<v Speaker 2>on the twenty most livable cities. Denver's not on that.

1409
01:18:03.720 --> 01:18:05.720
<v Speaker 2>Denver's not on that, but Colorado Springs is.

1410
01:18:06.159 --> 01:18:07.039
<v Speaker 5>It doesn't surprise me.

1411
01:18:07.159 --> 01:18:10.640
<v Speaker 2>Yeah, Now Colorado Springs comes in comes in fourteen of

1412
01:18:10.720 --> 01:18:14.439
<v Speaker 2>the top twenty. Number one they say is Portland. Number

1413
01:18:14.479 --> 01:18:17.760
<v Speaker 2>two is Lincoln. I just don't understand. So anyway, Colorado

1414
01:18:17.800 --> 01:18:22.279
<v Speaker 2>Springs is fourteen, but all been in New York beats

1415
01:18:22.359 --> 01:18:25.279
<v Speaker 2>Colorado Springs. I don't get it. So this is most

1416
01:18:25.439 --> 01:18:30.239
<v Speaker 2>livable and it's judged on seventeen matrix which include weather

1417
01:18:30.680 --> 01:18:34.359
<v Speaker 2>and community and quality of life and all of that.

1418
01:18:34.880 --> 01:18:38.359
<v Speaker 2>I often wonder about these surveys, I really do. I wonder,

1419
01:18:38.760 --> 01:18:41.760
<v Speaker 2>you know, like San Francisco, for example, is number one

1420
01:18:41.880 --> 01:18:48.079
<v Speaker 2>in quality of life on this survey, and it's under

1421
01:18:49.239 --> 01:18:53.159
<v Speaker 2>when it comes to socioeconomics because it's so difficult to

1422
01:18:53.279 --> 01:18:58.520
<v Speaker 2>live there economically, so you have different rings. For example,

1423
01:18:58.960 --> 01:19:02.840
<v Speaker 2>for the actual community Des Moines, Iowa is number one.

1424
01:19:04.039 --> 01:19:09.279
<v Speaker 2>Colorado Springs actually is right in the middle all on

1425
01:19:09.359 --> 01:19:14.119
<v Speaker 2>all categories, whether it's socioeconomics, quality of life, and community.

1426
01:19:14.800 --> 01:19:17.920
<v Speaker 2>Colorado Springs number fourteen, I say, in the middle, but

1427
01:19:18.279 --> 01:19:20.359
<v Speaker 2>I'm saying in the middle when it comes to those

1428
01:19:20.399 --> 01:19:25.680
<v Speaker 2>three categories. So anyway, are more people moving in or

1429
01:19:25.760 --> 01:19:27.520
<v Speaker 2>moving out of the Springs?

1430
01:19:28.399 --> 01:19:30.960
<v Speaker 6>You know, I think the Springs has a lot of turnover,

1431
01:19:32.119 --> 01:19:35.199
<v Speaker 6>really big part to the military bases that we have

1432
01:19:35.319 --> 01:19:38.199
<v Speaker 6>around there, So we do get a lot of people

1433
01:19:38.319 --> 01:19:39.520
<v Speaker 6>moving in and moving.

1434
01:19:39.319 --> 01:19:40.439
<v Speaker 5>Out for those reasons.

1435
01:19:40.520 --> 01:19:44.279
<v Speaker 6>For sure, we have a pretty you know, strong military

1436
01:19:44.520 --> 01:19:46.039
<v Speaker 6>population in town.

1437
01:19:46.399 --> 01:19:48.960
<v Speaker 5>But I think people, you know, move in in general.

1438
01:19:49.119 --> 01:19:52.279
<v Speaker 6>It really just depends most I would say a lot

1439
01:19:52.359 --> 01:19:54.439
<v Speaker 6>of times when I've got people who are moving out,

1440
01:19:56.119 --> 01:19:58.560
<v Speaker 6>you know, some people are moving for political reasons.

1441
01:19:58.640 --> 01:20:01.000
<v Speaker 5>That's been fairly common the last real years. I've had

1442
01:20:01.039 --> 01:20:03.039
<v Speaker 5>people that have moved for things like that.

1443
01:20:03.319 --> 01:20:05.399
<v Speaker 6>But a lot of times you've got people that are

1444
01:20:05.479 --> 01:20:09.159
<v Speaker 6>moving because they're being PCSD somewhere, So that's not uncommon.

1445
01:20:09.319 --> 01:20:12.920
<v Speaker 2>Bruce, you have a problem with your Chevy. What's going on? Bruce?

1446
01:20:16.880 --> 01:20:17.800
<v Speaker 8>Hey, Tom, can hear me?

1447
01:20:19.239 --> 01:20:21.439
<v Speaker 2>Yes, sir, what's going on? Okay?

1448
01:20:21.600 --> 01:20:25.399
<v Speaker 8>My daughter's twenty fourteen Chevy Equinox. We got about one

1449
01:20:25.479 --> 01:20:29.319
<v Speaker 8>hundred and thirty nine thousand miles on it, two point

1450
01:20:29.359 --> 01:20:33.680
<v Speaker 8>four liter four cylinder. A couple of weeks ago, Buddy

1451
01:20:33.720 --> 01:20:36.439
<v Speaker 8>and I we went ahead, replaced the balance chain, the

1452
01:20:36.560 --> 01:20:38.760
<v Speaker 8>timing chain. We put a kid in, but it was

1453
01:20:38.800 --> 01:20:46.159
<v Speaker 8>a balanced chain, the timing chain, the variable valve, timing sensors, solenoids,

1454
01:20:46.680 --> 01:20:48.359
<v Speaker 8>a lot of pump We did the whole thing while

1455
01:20:48.359 --> 01:20:52.960
<v Speaker 8>we're in there, and the car ran fine, ran real good,

1456
01:20:53.000 --> 01:20:56.399
<v Speaker 8>no shaking, no nothing, And here lately.

1457
01:20:57.640 --> 01:20:58.359
<v Speaker 9>It's weird.

1458
01:20:58.520 --> 01:21:00.680
<v Speaker 8>It seems like it's a Monday morning problem. But it

1459
01:21:00.760 --> 01:21:04.680
<v Speaker 8>sits over the weekend and she ticks out on the

1460
01:21:04.760 --> 01:21:07.319
<v Speaker 8>interstate and it will shut her and die.

1461
01:21:07.359 --> 01:21:09.479
<v Speaker 3>It's like it's like it's losing fuel.

1462
01:21:10.520 --> 01:21:13.960
<v Speaker 2>But I don't know, Well, that sounds like a timing

1463
01:21:14.039 --> 01:21:17.359
<v Speaker 2>issue to me, does it? So it runs okay when

1464
01:21:17.359 --> 01:21:18.479
<v Speaker 2>you start it up.

1465
01:21:20.359 --> 01:21:22.960
<v Speaker 8>For the most part, Yeah, now here, the last couple

1466
01:21:23.000 --> 01:21:25.800
<v Speaker 8>of days we've got like a miss, like a shake,

1467
01:21:26.079 --> 01:21:28.039
<v Speaker 8>and we just put in new coils and plugs and

1468
01:21:28.039 --> 01:21:31.079
<v Speaker 8>all that stuff right before we did all this timing

1469
01:21:31.159 --> 01:21:33.479
<v Speaker 8>chain and balance chain. So I don't think it's a

1470
01:21:33.560 --> 01:21:36.079
<v Speaker 8>coil pack. I'm not getting an injury code either. That's

1471
01:21:36.119 --> 01:21:39.960
<v Speaker 8>the other problem. So to me, you're right, it leads

1472
01:21:40.079 --> 01:21:43.479
<v Speaker 8>me to think that it's a DVT solnoid. But I

1473
01:21:43.520 --> 01:21:46.000
<v Speaker 8>don't know if anybody else had the same issue. It's

1474
01:21:46.039 --> 01:21:48.640
<v Speaker 8>like it's starving for gas. But I think it's a

1475
01:21:48.680 --> 01:21:50.520
<v Speaker 8>timing issue. I don't think it's a fuel issue.

1476
01:21:52.000 --> 01:21:53.800
<v Speaker 2>All right, I want to get Kevin on. I want

1477
01:21:53.800 --> 01:21:56.039
<v Speaker 2>to get one of our car experts on to talk

1478
01:21:56.079 --> 01:21:59.600
<v Speaker 2>about this. So let me get it straight. Then it's

1479
01:21:59.640 --> 01:22:05.600
<v Speaker 2>got one hundred and forty thousand miles correct, and it's

1480
01:22:05.680 --> 01:22:06.800
<v Speaker 2>a twenty.

1481
01:22:06.560 --> 01:22:09.439
<v Speaker 12>Fourteen twenty thirteen equinus?

1482
01:22:09.600 --> 01:22:10.760
<v Speaker 2>Is it a thirteen thirteen?

1483
01:22:11.439 --> 01:22:14.239
<v Speaker 12>Okay, well, I'm so sorry I misfread that.

1484
01:22:14.439 --> 01:22:17.199
<v Speaker 2>It's a twenty fourteen with one hundred and forty thousand miles.

1485
01:22:17.640 --> 01:22:19.800
<v Speaker 2>And the stuff that you changed all had to do

1486
01:22:19.920 --> 01:22:20.399
<v Speaker 2>with timing.

1487
01:22:21.520 --> 01:22:23.119
<v Speaker 3>Yes, it all had to do with timing.

1488
01:22:23.159 --> 01:22:24.640
<v Speaker 8>It was a whole kit that we put in.

1489
01:22:26.840 --> 01:22:29.680
<v Speaker 2>And when you put this timing kit in and it ran,

1490
01:22:30.039 --> 01:22:32.000
<v Speaker 2>it ran perfectly for a few days.

1491
01:22:33.039 --> 01:22:36.279
<v Speaker 8>Yeah, actually it ran perfect for probably a week, ten days.

1492
01:22:36.680 --> 01:22:39.079
<v Speaker 8>It just starts showing up, probably a week ago.

1493
01:22:41.079 --> 01:22:43.560
<v Speaker 2>I don't get it. Why it would look so good

1494
01:22:43.640 --> 01:22:48.319
<v Speaker 2>for a week and then and then stop. I agree,

1495
01:22:49.840 --> 01:22:52.760
<v Speaker 2>And it started to shudder. So if you started it

1496
01:22:52.840 --> 01:22:55.840
<v Speaker 2>up right now, how far can you drive it before

1497
01:22:55.920 --> 01:22:56.960
<v Speaker 2>it starts acting up?

1498
01:22:57.960 --> 01:23:00.760
<v Speaker 8>Well, like now, it probably won't even happen at all,

1499
01:23:00.920 --> 01:23:05.520
<v Speaker 8>but I will have a rough wow and uh okay.

1500
01:23:05.319 --> 01:23:08.560
<v Speaker 2>Here hold on, we definitely, we definitely got to get

1501
01:23:08.600 --> 01:23:11.319
<v Speaker 2>our expert on, So hang on. I'm Tom Martino three

1502
01:23:11.359 --> 01:23:13.439
<v Speaker 2>O three seven one three A two five five. By

1503
01:23:13.479 --> 01:23:15.479
<v Speaker 2>the way, Frank durand the Realestateman dot com will do

1504
01:23:15.520 --> 01:23:17.880
<v Speaker 2>a free market evaluation of your home if you want

1505
01:23:17.920 --> 01:23:19.319
<v Speaker 2>to know what it will sell for but you don't

1506
01:23:19.319 --> 01:23:21.920
<v Speaker 2>want to list quite yet. Don't worry, Frank will do it,

1507
01:23:22.079 --> 01:23:25.119
<v Speaker 2>no obligation ever. Three oh three nine to zero sixteen

1508
01:23:25.199 --> 01:23:27.720
<v Speaker 2>twenty two. Frank durand the real estate Man dot com

1509
01:23:33.000 --> 01:23:36.239
<v Speaker 2>go with a sure thing Denver's Best roofer Excel Roofing

1510
01:23:36.359 --> 01:23:38.960
<v Speaker 2>dot com. You don't pay a cent until you're content

1511
01:23:39.920 --> 01:23:44.800
<v Speaker 2>than time for an insurance check up free, no obligation

1512
01:23:44.960 --> 01:23:48.840
<v Speaker 2>comparison call Compass Insurance. Pay too much your coverage at

1513
01:23:48.880 --> 01:23:51.600
<v Speaker 2>dozens of insurance companies find out now three oh three

1514
01:23:51.760 --> 01:23:53.880
<v Speaker 2>seven to seven to one help. You'll think you're his

1515
01:23:54.079 --> 01:23:56.640
<v Speaker 2>only customer when you choose Frank durand the real estate

1516
01:23:56.720 --> 01:23:59.920
<v Speaker 2>Man dot com to list your home with Remax Alliance

1517
01:24:00.199 --> 01:24:03.359
<v Speaker 2>three oh three nine two zero sixteen twenty two. Hi,

1518
01:24:03.479 --> 01:24:06.359
<v Speaker 2>I'm Tom Martino your troubleshooter three O three seven to

1519
01:24:06.359 --> 01:24:09.439
<v Speaker 2>one to three talk seven one three eight two five five.

1520
01:24:09.479 --> 01:24:15.279
<v Speaker 2>I have interesting situation here, and I have Kevin Caulkin

1521
01:24:15.359 --> 01:24:18.359
<v Speaker 2>from Sheridan Auto Tech on are one of our car experts.

1522
01:24:18.880 --> 01:24:23.880
<v Speaker 2>Uncle Kevin, I call him, and Bruce says, his daughter's car.

1523
01:24:24.039 --> 01:24:26.159
<v Speaker 2>He put a timing kit in there, changed a bunch

1524
01:24:26.239 --> 01:24:30.159
<v Speaker 2>of stuff in the in a twenty fourteen Chevy Equinox

1525
01:24:30.199 --> 01:24:33.079
<v Speaker 2>with one hundred and forty thousand miles and including the

1526
01:24:33.159 --> 01:24:36.119
<v Speaker 2>timing and all kinds of stuff. Bruce, just go over

1527
01:24:36.319 --> 01:24:36.800
<v Speaker 2>with Kevin.

1528
01:24:36.880 --> 01:24:39.359
<v Speaker 3>What you put in, Tay, Kevin.

1529
01:24:39.439 --> 01:24:41.279
<v Speaker 8>So I went ahead and put a complete kit in.

1530
01:24:42.199 --> 01:24:44.720
<v Speaker 8>I did the water pump, oil pump, front cover, I

1531
01:24:44.800 --> 01:24:49.000
<v Speaker 8>did this, all thisprockets, all the guides, the whole complete kit.

1532
01:24:49.159 --> 01:24:51.399
<v Speaker 8>I put it in and that came up the new

1533
01:24:51.520 --> 01:24:59.439
<v Speaker 8>VVT sensors and VVT sprockets and boulders and everything so complete.

1534
01:25:00.000 --> 01:25:03.359
<v Speaker 2>And the timing belt right, tell me a belt it's

1535
01:25:03.399 --> 01:25:06.600
<v Speaker 2>a chain, yeah, timing chain yeah, okay, I never know

1536
01:25:06.760 --> 01:25:07.880
<v Speaker 2>whether it's a chain or belt.

1537
01:25:08.640 --> 01:25:08.840
<v Speaker 15>Yeah.

1538
01:25:08.920 --> 01:25:10.119
<v Speaker 3>And the balance chase okay.

1539
01:25:11.039 --> 01:25:15.439
<v Speaker 2>Now it ran perfectly for a week, then started to shudder.

1540
01:25:16.640 --> 01:25:19.399
<v Speaker 2>What the hell's going on, Kevin. And now, so Bruce,

1541
01:25:19.680 --> 01:25:22.159
<v Speaker 2>if you went out and started it right now, would

1542
01:25:22.239 --> 01:25:22.920
<v Speaker 2>it be smooth?

1543
01:25:24.159 --> 01:25:26.640
<v Speaker 3>No, it it runs like it's got a miss.

1544
01:25:26.720 --> 01:25:28.800
<v Speaker 8>And right before I did this, I just put in

1545
01:25:28.960 --> 01:25:31.720
<v Speaker 8>new spark, plugs, coils all that.

1546
01:25:31.880 --> 01:25:32.880
<v Speaker 7>I redid all that.

1547
01:25:33.520 --> 01:25:38.279
<v Speaker 3>So it's just got a slight miss. And I thought, well, maybe.

1548
01:25:38.279 --> 01:25:41.199
<v Speaker 8>It's because the air conditioner is running. So I heard

1549
01:25:41.199 --> 01:25:44.600
<v Speaker 8>the air conditioner. I still have this slight miss. It's

1550
01:25:44.640 --> 01:25:45.439
<v Speaker 8>a rough idol.

1551
01:25:46.279 --> 01:25:49.520
<v Speaker 18>Are you getting any codes it up in the zerial codes?

1552
01:25:50.399 --> 01:25:57.359
<v Speaker 2>Well, Kevin, it sounds like timing to me, right.

1553
01:25:58.159 --> 01:26:01.119
<v Speaker 18>Well, that's my first inclination. Yes, but I mean that

1554
01:26:01.319 --> 01:26:03.760
<v Speaker 18>was they're pretty sensitive. But what a throne of correlation

1555
01:26:03.960 --> 01:26:06.560
<v Speaker 18>code for the cam and the crank if the timing?

1556
01:26:06.760 --> 01:26:09.520
<v Speaker 2>So there's absolutely no code at all being thrown. You

1557
01:26:09.680 --> 01:26:12.359
<v Speaker 2>you actually put something on that's on the on the

1558
01:26:12.439 --> 01:26:14.239
<v Speaker 2>port to check the codes.

1559
01:26:14.239 --> 01:26:18.920
<v Speaker 8>Bruce, Yeah, absolutely I did, and I was not thrown

1560
01:26:18.960 --> 01:26:22.800
<v Speaker 8>any codes. I do have one code right now. It's

1561
01:26:22.840 --> 01:26:25.880
<v Speaker 8>for the catalytic converter. It's a downstream I think bank

1562
01:26:26.000 --> 01:26:28.560
<v Speaker 8>two sensor one or something like that.

1563
01:26:28.840 --> 01:26:32.399
<v Speaker 2>And would that cause these problems? Kevin? No, I don't

1564
01:26:32.399 --> 01:26:36.479
<v Speaker 2>think so I don't think so, uh, you don't even

1565
01:26:36.600 --> 01:26:37.800
<v Speaker 2>so you don't have a good guess.

1566
01:26:38.880 --> 01:26:40.840
<v Speaker 18>Well, I mean I need to get a scanner hooked

1567
01:26:40.880 --> 01:26:42.760
<v Speaker 18>up to it and look at data see if it's

1568
01:26:42.960 --> 01:26:45.520
<v Speaker 18>it may not be counting enough misfires, but the scanner

1569
01:26:45.600 --> 01:26:48.960
<v Speaker 18>can pick up on misfires. You know that the check

1570
01:26:49.000 --> 01:26:52.000
<v Speaker 18>engine light won't set, you know, things like that. So

1571
01:26:52.079 --> 01:26:53.960
<v Speaker 18>we need to look a little deeper into it. But

1572
01:26:54.119 --> 01:26:57.359
<v Speaker 18>it's yeah, that's interesting because it's I would have thought

1573
01:26:57.399 --> 01:26:58.600
<v Speaker 18>a timing code would have pumped.

1574
01:26:59.399 --> 01:27:00.880
<v Speaker 7>Well, we want to bring it by.

1575
01:27:01.039 --> 01:27:03.199
<v Speaker 18>We can plug in and see what it shows.

1576
01:27:03.279 --> 01:27:04.079
<v Speaker 9>That's not a big deal.

1577
01:27:04.880 --> 01:27:08.159
<v Speaker 2>That might be killing you ought to do that. Where

1578
01:27:08.159 --> 01:27:09.439
<v Speaker 2>are you located, Bruce.

1579
01:27:09.800 --> 01:27:10.439
<v Speaker 1>San Antonio?

1580
01:27:11.039 --> 01:27:15.039
<v Speaker 2>You're in San Antonio? Oh my gosh, well welcome, by

1581
01:27:15.079 --> 01:27:19.960
<v Speaker 2>the way. That's too bad, man. So if you start

1582
01:27:20.000 --> 01:27:22.199
<v Speaker 2>out now, you'll get here tomorrow or the next day.

1583
01:27:23.399 --> 01:27:26.840
<v Speaker 8>Well here's here's the weird thing, Kevin. So this morning

1584
01:27:26.880 --> 01:27:29.640
<v Speaker 8>I drove it to work just to seat. As she said,

1585
01:27:29.680 --> 01:27:30.359
<v Speaker 8>I was acting up.

1586
01:27:30.960 --> 01:27:33.960
<v Speaker 3>And I left the house. I went, probably, I don't know,

1587
01:27:34.560 --> 01:27:35.039
<v Speaker 3>a mile and.

1588
01:27:35.079 --> 01:27:36.359
<v Speaker 8>A half to get to the interstate.

1589
01:27:36.520 --> 01:27:39.199
<v Speaker 3>Car seemed run fine, still had that little rough idol.

1590
01:27:39.760 --> 01:27:42.720
<v Speaker 8>I got on the Interstate on the on ramp, I

1591
01:27:42.800 --> 01:27:46.039
<v Speaker 8>started going down the Interstate, picking up speed once I

1592
01:27:46.119 --> 01:27:46.560
<v Speaker 8>got up.

1593
01:27:46.520 --> 01:27:48.039
<v Speaker 3>To around and this is why I think it's a

1594
01:27:48.279 --> 01:27:49.039
<v Speaker 3>timing issue.

1595
01:27:49.319 --> 01:27:51.800
<v Speaker 8>Once I got up around forty five fifty, getting up

1596
01:27:51.800 --> 01:27:55.960
<v Speaker 8>to you know, speed sixty five seventy, it just stuttered, stutter, stuttered,

1597
01:27:56.000 --> 01:27:59.159
<v Speaker 8>and started dying. I could start from fuel and to

1598
01:27:59.279 --> 01:28:00.960
<v Speaker 8>the point where I rolled off to the rcase, I

1599
01:28:00.960 --> 01:28:03.399
<v Speaker 8>thought I was going to stall out, and uh, I

1600
01:28:03.560 --> 01:28:05.520
<v Speaker 8>picked my foot off the gas, put my foot back

1601
01:28:05.600 --> 01:28:07.880
<v Speaker 8>into it, and then it worked itself out of it

1602
01:28:08.119 --> 01:28:10.199
<v Speaker 8>and brand the rest of it work.

1603
01:28:10.359 --> 01:28:10.920
<v Speaker 13>Not a problem.

1604
01:28:12.680 --> 01:28:14.840
<v Speaker 2>Well, I can't believe, Kevin, I don't know, man like

1605
01:28:15.359 --> 01:28:18.079
<v Speaker 2>you need to find someone that will. Yeah. I have

1606
01:28:18.159 --> 01:28:20.039
<v Speaker 2>a suggestion for Kevin and Bruce.

1607
01:28:20.159 --> 01:28:23.239
<v Speaker 21>Is it possible that the electric fuel pump could be

1608
01:28:23.359 --> 01:28:27.159
<v Speaker 21>losing rpm to deliver the fuel once you reach high speeds?

1609
01:28:28.359 --> 01:28:29.159
<v Speaker 7>Entirely possible?

1610
01:28:29.239 --> 01:28:31.560
<v Speaker 18>Yes, I think it's a field nothing to do with

1611
01:28:31.640 --> 01:28:31.960
<v Speaker 18>any of it.

1612
01:28:32.199 --> 01:28:35.800
<v Speaker 2>Sure, but didn't he replace the fuel pump or was

1613
01:28:35.840 --> 01:28:40.159
<v Speaker 2>it you? No, the oil pump and the water pump, right, yep, yep, right, okay,

1614
01:28:40.359 --> 01:28:42.640
<v Speaker 2>but about yeah, you ought to look at maybe look

1615
01:28:42.680 --> 01:28:45.760
<v Speaker 2>at the fuel pump. As both suggested, I gotta do

1616
01:28:45.840 --> 01:28:48.239
<v Speaker 2>I have to take a break to dragging it or

1617
01:28:48.279 --> 01:28:52.840
<v Speaker 2>did I do the fifteen? I did? Good? So let

1618
01:28:52.920 --> 01:28:54.560
<v Speaker 2>me I have a couple of minutes here, all right,

1619
01:28:54.920 --> 01:28:58.479
<v Speaker 2>So thank you. Kevin Caulkins shared an autotech dot com

1620
01:28:59.039 --> 01:29:00.079
<v Speaker 2>three oh three four.

1621
01:29:01.479 --> 01:29:01.600
<v Speaker 9>Two.

1622
01:29:01.920 --> 01:29:05.439
<v Speaker 2>Hey David, what is your issue with telemarketers? David, Welcome

1623
01:29:05.479 --> 01:29:05.960
<v Speaker 2>to the show.

1624
01:29:07.800 --> 01:29:12.239
<v Speaker 9>Yes, I'm getting about fifteen a day, one an hour whatever,

1625
01:29:12.439 --> 01:29:13.640
<v Speaker 9>and I block every night.

1626
01:29:13.760 --> 01:29:16.680
<v Speaker 2>What are you kidding me? Did this just start?

1627
01:29:18.279 --> 01:29:23.079
<v Speaker 9>It started like last year before that I was getting nothing,

1628
01:29:23.279 --> 01:29:26.920
<v Speaker 9>and then it's just over and over every I don't know,

1629
01:29:27.159 --> 01:29:27.600
<v Speaker 9>every day.

1630
01:29:29.479 --> 01:29:30.319
<v Speaker 18>So I'm blocking now.

1631
01:29:30.439 --> 01:29:34.239
<v Speaker 2>This is on your cell phone, right And.

1632
01:29:34.359 --> 01:29:38.600
<v Speaker 9>I would say eighty percent of them are like Medicare,

1633
01:29:38.760 --> 01:29:40.560
<v Speaker 9>and it's like I'm not even old enough for that.

1634
01:29:40.760 --> 01:29:43.479
<v Speaker 9>I don't know, but they just I say, do not

1635
01:29:43.680 --> 01:29:47.239
<v Speaker 9>call list everything I try. So I don't know if

1636
01:29:47.279 --> 01:29:52.319
<v Speaker 9>anyone else has any ideas to get rid of them

1637
01:29:52.399 --> 01:29:54.760
<v Speaker 9>or block them, or I don't know. I don't know

1638
01:29:54.760 --> 01:29:55.039
<v Speaker 9>what to do.

1639
01:29:55.279 --> 01:29:57.800
<v Speaker 2>Well, you're you're doing everything you went on the no

1640
01:29:58.000 --> 01:30:01.399
<v Speaker 2>call list, right, Well, I tell.

1641
01:30:01.279 --> 01:30:04.399
<v Speaker 9>Them individually when they call no call list and.

1642
01:30:05.119 --> 01:30:07.680
<v Speaker 2>No no, no, no, no, no, no no. You've got

1643
01:30:07.800 --> 01:30:10.000
<v Speaker 2>to actually go to a no call list and put

1644
01:30:10.039 --> 01:30:15.239
<v Speaker 2>your number on it. Go ahead, So hey David, go ahead.

1645
01:30:15.279 --> 01:30:17.159
<v Speaker 14>But there are actually two lists that you need to

1646
01:30:17.199 --> 01:30:21.439
<v Speaker 14>get on, and most telemarketers really do scrub their database

1647
01:30:21.479 --> 01:30:24.399
<v Speaker 14>against these two lists. One of them is the Federal

1648
01:30:24.560 --> 01:30:27.960
<v Speaker 14>Do Not Call Registry and the second one is the

1649
01:30:28.079 --> 01:30:33.399
<v Speaker 14>Colorado Do Not Call List, And once you enter your

1650
01:30:33.439 --> 01:30:36.399
<v Speaker 14>phone numbers into both of those databases, it takes thirty

1651
01:30:36.479 --> 01:30:39.640
<v Speaker 14>days to become effective. But I can tell you that

1652
01:30:39.840 --> 01:30:41.720
<v Speaker 14>most telemarketers it really does work.

1653
01:30:41.840 --> 01:30:42.800
<v Speaker 2>They do scrub.

1654
01:30:43.119 --> 01:30:44.479
<v Speaker 14>It's not going to get rid of all of the

1655
01:30:44.520 --> 01:30:46.399
<v Speaker 14>spam you're getting, but it will get rid of a

1656
01:30:46.479 --> 01:30:50.239
<v Speaker 14>lot of that spam. Because the penalties, the civil penalties

1657
01:30:50.279 --> 01:30:53.600
<v Speaker 14>are so severe for violations of these lists that most

1658
01:30:53.600 --> 01:30:56.119
<v Speaker 14>s tele marketers really do use the scrubbing feature that

1659
01:30:56.199 --> 01:30:57.199
<v Speaker 14>the FCC offers.

1660
01:30:59.000 --> 01:31:01.760
<v Speaker 9>Okay, why even too, because half of them are just

1661
01:31:02.199 --> 01:31:04.760
<v Speaker 9>at the beginning of computer anyway, but they will still

1662
01:31:04.880 --> 01:31:05.359
<v Speaker 9>follow that.

1663
01:31:05.840 --> 01:31:06.720
<v Speaker 2>It would still apply.

1664
01:31:07.640 --> 01:31:09.920
<v Speaker 12>Yeah, it's the phone number. It's your phone number that's

1665
01:31:09.920 --> 01:31:12.119
<v Speaker 12>going to get scrubbed. Is your number? Are you using

1666
01:31:12.159 --> 01:31:14.399
<v Speaker 12>it for a business? Is it on a website? Or anything.

1667
01:31:15.039 --> 01:31:15.840
<v Speaker 12>Are you advertising?

1668
01:31:16.039 --> 01:31:17.760
<v Speaker 2>In other words, how are people getting your number?

1669
01:31:19.640 --> 01:31:22.239
<v Speaker 9>I don't know, Yeah, I don't you know.

1670
01:31:23.239 --> 01:31:25.840
<v Speaker 2>Listen, I'll tell you what we do all kinds of stuff.

1671
01:31:25.880 --> 01:31:30.319
<v Speaker 2>We download apps, we go to other sites, we get cookies,

1672
01:31:30.399 --> 01:31:33.520
<v Speaker 2>and there's so many different ways people can get your

1673
01:31:33.600 --> 01:31:37.399
<v Speaker 2>number and then start harassing you, so many different ways.

1674
01:31:37.800 --> 01:31:40.640
<v Speaker 2>But do the actual no call list and that should

1675
01:31:40.640 --> 01:31:42.960
<v Speaker 2>help you. I'm Tom Martine. We have more coming up

1676
01:31:43.000 --> 01:31:46.159
<v Speaker 2>on the Troubleshooter show. Kinage Home Solutions now with k

1677
01:31:46.279 --> 01:31:49.159
<v Speaker 2>and Age Painter Pros as well so windows, siding, doors

1678
01:31:49.199 --> 01:31:52.159
<v Speaker 2>and more including painting. Kang has what you're looking for

1679
01:31:52.399 --> 01:32:01.479
<v Speaker 2>Kwindows dot com. Go with a sure thing Denver's best

1680
01:32:01.560 --> 01:32:04.960
<v Speaker 2>roofer Excelroofing dot com. You don't pay a cent until

1681
01:32:04.960 --> 01:32:11.399
<v Speaker 2>you're contenth time for an insurance check up free, no obligation.

1682
01:32:11.479 --> 01:32:15.279
<v Speaker 2>In comparison, call Compass Insurance paying too much your coverage

1683
01:32:15.319 --> 01:32:18.000
<v Speaker 2>at dozens of insurance companies find out now three all

1684
01:32:18.039 --> 01:32:20.479
<v Speaker 2>three seven seven to one help. You'll think you're his

1685
01:32:20.680 --> 01:32:23.239
<v Speaker 2>only customer when you choose Frank durand the real estate

1686
01:32:23.359 --> 01:32:26.560
<v Speaker 2>Man dot com to list your home with Remax Alliance

1687
01:32:26.840 --> 01:32:32.119
<v Speaker 2>three all three nine two zero sixteen twenty two. Hi

1688
01:32:32.319 --> 01:32:34.560
<v Speaker 2>Tom Martine here, Welcome to the show. Three oh three

1689
01:32:34.680 --> 01:32:37.359
<v Speaker 2>seven on three talks seven on three A two five five.

1690
01:32:37.760 --> 01:32:39.560
<v Speaker 2>All right, we have some breathing room here. We're gonna

1691
01:32:39.560 --> 01:32:44.479
<v Speaker 2>take Stephanie Thomas from Coldwell Banker in Colorado Springs. Somebody

1692
01:32:44.479 --> 01:32:48.039
<v Speaker 2>wants to know what that we danced all around at

1693
01:32:48.079 --> 01:32:50.520
<v Speaker 2>talking about for sale by owner and they want to know. Basically,

1694
01:32:50.680 --> 01:32:54.119
<v Speaker 2>they said, what exactly do you pay to have your

1695
01:32:54.159 --> 01:32:54.760
<v Speaker 2>home sold?

1696
01:32:55.159 --> 01:32:55.199
<v Speaker 16>So?

1697
01:32:55.319 --> 01:32:59.239
<v Speaker 2>What are the commission structures right now that you normally

1698
01:32:59.399 --> 01:33:02.399
<v Speaker 2>see the market unfortually?

1699
01:33:03.239 --> 01:33:06.279
<v Speaker 5>There's not a normal. There's not a normal. There's not

1700
01:33:06.479 --> 01:33:08.039
<v Speaker 5>anything set in stone, right.

1701
01:33:08.680 --> 01:33:09.640
<v Speaker 2>Is there a conventional?

1702
01:33:10.119 --> 01:33:10.159
<v Speaker 18>No?

1703
01:33:10.640 --> 01:33:10.800
<v Speaker 1>IM?

1704
01:33:10.960 --> 01:33:12.640
<v Speaker 5>And I think that's a subject way.

1705
01:33:12.760 --> 01:33:14.199
<v Speaker 2>So when you go to list a home, or you

1706
01:33:14.279 --> 01:33:16.359
<v Speaker 2>go to buy a home for someone, you negotiate it

1707
01:33:16.439 --> 01:33:16.720
<v Speaker 2>right there.

1708
01:33:16.840 --> 01:33:19.039
<v Speaker 5>You can negotiate with that individual agent.

1709
01:33:19.800 --> 01:33:22.000
<v Speaker 6>I think I have to be fairly careful here in

1710
01:33:22.199 --> 01:33:25.359
<v Speaker 6>giving any type of industry average anything like that, because

1711
01:33:25.399 --> 01:33:27.159
<v Speaker 6>of those you know, past lowsuits.

1712
01:33:27.279 --> 01:33:30.800
<v Speaker 2>Those lawsuits said you're not allowed to all do something together.

1713
01:33:31.039 --> 01:33:31.720
<v Speaker 5>We can't.

1714
01:33:31.840 --> 01:33:33.840
<v Speaker 6>But I don't even think we're allowed to publicly talk

1715
01:33:33.840 --> 01:33:36.439
<v Speaker 6>about numbers or averages or I think that's so.

1716
01:33:36.560 --> 01:33:40.000
<v Speaker 2>Really, but but well, let's put it this way, because

1717
01:33:40.680 --> 01:33:43.600
<v Speaker 2>I'm just curious. Is it safe to say they're going

1718
01:33:43.640 --> 01:33:46.319
<v Speaker 2>to pay at least five percent when they sell their house.

1719
01:33:46.600 --> 01:33:49.760
<v Speaker 6>It really depends, honestly, they really need to talk with

1720
01:33:49.960 --> 01:33:50.600
<v Speaker 6>an individual.

1721
01:33:50.720 --> 01:33:51.760
<v Speaker 2>Everything's negotiable.

1722
01:33:51.840 --> 01:33:52.800
<v Speaker 5>Everything's negotiable.

1723
01:33:53.119 --> 01:33:55.880
<v Speaker 2>So I can have someone list my home. I can

1724
01:33:55.920 --> 01:33:57.439
<v Speaker 2>have someone list my home and say I'm not going

1725
01:33:57.479 --> 01:33:59.359
<v Speaker 2>to pay a penny more than four percent, and then

1726
01:33:59.399 --> 01:34:01.520
<v Speaker 2>that broker and say, well, then find someone else.

1727
01:34:02.079 --> 01:34:04.560
<v Speaker 5>Absolutely they can. And here's the thing. We all have

1728
01:34:04.680 --> 01:34:06.199
<v Speaker 5>our own individual.

1729
01:34:05.800 --> 01:34:07.920
<v Speaker 6>Marketing that we do. We have those costs that we

1730
01:34:08.039 --> 01:34:11.039
<v Speaker 6>account for. Of course, the commission structure that we agree

1731
01:34:11.079 --> 01:34:15.479
<v Speaker 6>to work for. Our contract actually recently came out and changed,

1732
01:34:15.560 --> 01:34:18.119
<v Speaker 6>you know with Coldwell Banker Are I know, our attorneys

1733
01:34:18.159 --> 01:34:20.600
<v Speaker 6>made some edits for us where it goes in and

1734
01:34:20.760 --> 01:34:27.079
<v Speaker 6>addresses because in Colorado, the listing contract previously had an

1735
01:34:27.359 --> 01:34:31.039
<v Speaker 6>x percentage and then it went into define out after

1736
01:34:31.199 --> 01:34:34.520
<v Speaker 6>that in the event that a buyer's agent brought a buyer,

1737
01:34:34.760 --> 01:34:37.960
<v Speaker 6>we would then give X percent of that percentage that

1738
01:34:38.119 --> 01:34:42.439
<v Speaker 6>was agreed upon and that co op compensation we can,

1739
01:34:42.640 --> 01:34:45.279
<v Speaker 6>but it's a little bit different. So Now the contract

1740
01:34:45.359 --> 01:34:48.680
<v Speaker 6>stipulates and says the listing agent or listing company is

1741
01:34:48.760 --> 01:34:53.279
<v Speaker 6>working for x percent. Okay, you as the seller are

1742
01:34:53.560 --> 01:34:58.520
<v Speaker 6>agreeing to a different percentage completely for the a buyer's agent.

1743
01:34:58.680 --> 01:35:02.359
<v Speaker 6>If you're doing that, Coldwell Banker actually has kind of

1744
01:35:02.439 --> 01:35:07.479
<v Speaker 6>taken that verbage out about on our contracts where it's

1745
01:35:07.560 --> 01:35:11.199
<v Speaker 6>now a separate document that says, hey, you're advertising x percent.

1746
01:35:11.279 --> 01:35:15.239
<v Speaker 6>You're giving us permission to advertise, you're offering buyer compensation

1747
01:35:15.359 --> 01:35:18.319
<v Speaker 6>of x percent. So it's really just some housekeeping items

1748
01:35:18.720 --> 01:35:22.840
<v Speaker 6>on how they're defining that differences out. So before, for instance,

1749
01:35:22.880 --> 01:35:24.680
<v Speaker 6>if you had a four percent or five percent or

1750
01:35:24.720 --> 01:35:26.800
<v Speaker 6>six percent or whatever, that looked like whatever you agreed

1751
01:35:26.840 --> 01:35:29.239
<v Speaker 6>upon and then it was split x and X.

1752
01:35:29.720 --> 01:35:32.640
<v Speaker 5>Now it's like you've got one percentage and you have

1753
01:35:32.720 --> 01:35:33.760
<v Speaker 5>another percentage.

1754
01:35:34.000 --> 01:35:37.720
<v Speaker 2>Really now it is defined so it's differently. And then negotiation.

1755
01:35:38.680 --> 01:35:42.399
<v Speaker 5>Absolutely, so your listing percentage, of course would be between

1756
01:35:42.600 --> 01:35:44.199
<v Speaker 5>the listing agent and the seller.

1757
01:35:44.520 --> 01:35:47.439
<v Speaker 2>That's could the listing agents say I'm not paying I'm

1758
01:35:47.479 --> 01:35:50.640
<v Speaker 2>not paying the buyer broker you absolutely they can, really, yes,

1759
01:35:51.199 --> 01:35:54.119
<v Speaker 2>that's always been something that's been you know, the goal.

1760
01:35:54.560 --> 01:35:56.600
<v Speaker 2>If the listing agent says we're not going to pay

1761
01:35:56.640 --> 01:35:59.159
<v Speaker 2>a buying broker, then the buying broker would have to

1762
01:35:59.199 --> 01:36:00.600
<v Speaker 2>get that money from their clients.

1763
01:36:00.640 --> 01:36:04.199
<v Speaker 6>Absolutely, and that happens that That's always been in our

1764
01:36:04.239 --> 01:36:07.199
<v Speaker 6>contract as well, the buyer's agency contract. There is a

1765
01:36:07.279 --> 01:36:10.079
<v Speaker 6>section in there that defines out and you say, if

1766
01:36:10.159 --> 01:36:12.520
<v Speaker 6>I can't get a share, and how that how that

1767
01:36:12.600 --> 01:36:13.119
<v Speaker 6>gets paid?

1768
01:36:13.399 --> 01:36:15.760
<v Speaker 2>It either gets paid by the seller, of the seller refuses,

1769
01:36:15.800 --> 01:36:16.680
<v Speaker 2>then you agree to pay it.

1770
01:36:16.840 --> 01:36:17.159
<v Speaker 5>Correct.

1771
01:36:17.680 --> 01:36:19.840
<v Speaker 2>Yes, this is all very interesting.

1772
01:36:19.920 --> 01:36:21.760
<v Speaker 5>That's been in our contract as long as I've been

1773
01:36:21.800 --> 01:36:22.199
<v Speaker 5>an agent.

1774
01:36:22.399 --> 01:36:23.800
<v Speaker 2>So what was the lawsuit about?

1775
01:36:23.840 --> 01:36:24.079
<v Speaker 1>Really?

1776
01:36:25.640 --> 01:36:29.279
<v Speaker 6>The lawsuit actually started in a different state, you know,

1777
01:36:29.640 --> 01:36:32.479
<v Speaker 6>and it became a national lawsuit and everyone kind of

1778
01:36:32.640 --> 01:36:33.399
<v Speaker 6>got in there together.

1779
01:36:33.880 --> 01:36:35.560
<v Speaker 2>Was what was the main of it?

1780
01:36:37.279 --> 01:36:38.159
<v Speaker 5>Actually commissions.

1781
01:36:38.279 --> 01:36:39.880
<v Speaker 2>You can't have a fixed commission.

1782
01:36:40.479 --> 01:36:41.800
<v Speaker 5>There was some accusations of that.

1783
01:36:41.960 --> 01:36:45.199
<v Speaker 6>I believe it started in another state where an individual

1784
01:36:45.800 --> 01:36:47.439
<v Speaker 6>was told they couldn't change commissions.

1785
01:36:48.000 --> 01:36:50.399
<v Speaker 5>I you know, I was just kind of going back

1786
01:36:50.439 --> 01:36:51.720
<v Speaker 5>on some of the reports that we've got.

1787
01:36:51.760 --> 01:36:54.159
<v Speaker 2>Commissions basically now are totally negotiable.

1788
01:36:54.239 --> 01:36:55.439
<v Speaker 1>That's just it.

1789
01:36:55.600 --> 01:36:55.800
<v Speaker 3>Really.

1790
01:36:56.119 --> 01:36:58.239
<v Speaker 2>Then, I don't understand that there's always.

1791
01:36:58.000 --> 01:37:01.039
<v Speaker 6>An industry average, you know, with any industry, not just

1792
01:37:01.119 --> 01:37:04.079
<v Speaker 6>real estate commissions. But with any industry, you've got an

1793
01:37:04.159 --> 01:37:07.319
<v Speaker 6>averaging an average pricing to be competitive to the market.

1794
01:37:07.439 --> 01:37:10.039
<v Speaker 6>So that's I don't know that that's necessarily gone away.

1795
01:37:10.600 --> 01:37:14.520
<v Speaker 6>I think there's still averages. But what this did is

1796
01:37:15.159 --> 01:37:18.279
<v Speaker 6>not all states had buyers agency contracts, so that has

1797
01:37:18.359 --> 01:37:21.279
<v Speaker 6>now come into play. Colorado's had buyers agency contracts, like

1798
01:37:21.279 --> 01:37:22.760
<v Speaker 6>I said, as long as I've been an agent.

1799
01:37:23.680 --> 01:37:27.800
<v Speaker 2>So now that did not have buyer's agencies.

1800
01:37:28.119 --> 01:37:31.239
<v Speaker 6>They didn't have the contracts. They had buyers agents, but

1801
01:37:31.600 --> 01:37:34.159
<v Speaker 6>the contract was a little bit different. So we have

1802
01:37:34.479 --> 01:37:36.840
<v Speaker 6>the buyer's agency contracts in Colorado's, so we've kind of

1803
01:37:36.880 --> 01:37:38.800
<v Speaker 6>been a little bit ahead of the game. The other

1804
01:37:38.880 --> 01:37:42.439
<v Speaker 6>piece of that is here, Yeah, we no longer are

1805
01:37:42.560 --> 01:37:48.279
<v Speaker 6>advertising any type of buyer's compensation commission on the MLS.

1806
01:37:48.840 --> 01:37:53.199
<v Speaker 6>So the idea there is you can't show, you know,

1807
01:37:53.359 --> 01:37:55.760
<v Speaker 6>you can't see what's going to be offered at that

1808
01:37:55.840 --> 01:37:58.560
<v Speaker 6>point you're negotiating, and then that's going to be between

1809
01:37:58.600 --> 01:38:01.600
<v Speaker 6>you and your buyer, whatever you've agreed to with your buyer,

1810
01:38:01.960 --> 01:38:02.279
<v Speaker 6>got it.

1811
01:38:02.800 --> 01:38:06.000
<v Speaker 2>All, right, Well, that's very very interesting how that's all changed.

1812
01:38:06.279 --> 01:38:08.600
<v Speaker 2>But you're saying it's always been negotiable. I just think

1813
01:38:09.079 --> 01:38:11.760
<v Speaker 2>that there needed to be clarification because I always assumed

1814
01:38:11.800 --> 01:38:14.279
<v Speaker 2>it's a certain amount period and you pay it or

1815
01:38:14.319 --> 01:38:17.279
<v Speaker 2>you don't, or you don't get somebody to work for you. Ernie,

1816
01:38:17.560 --> 01:38:27.239
<v Speaker 2>what's going on with you? You had a question about taxes? Hello, Ernie,

1817
01:38:28.119 --> 01:38:29.439
<v Speaker 2>I'm here, go ahead, Ernie.

1818
01:38:30.159 --> 01:38:35.800
<v Speaker 13>All right, I'm considered blind right now and my taxes

1819
01:38:36.279 --> 01:38:38.239
<v Speaker 13>are going to be fouled. Do I have to pay?

1820
01:38:39.279 --> 01:38:44.479
<v Speaker 13>Is there any exclusions? Are blind people? As far as there.

1821
01:38:44.079 --> 01:38:46.720
<v Speaker 2>Used to be, there actually used to be. And I'm

1822
01:38:46.760 --> 01:38:51.279
<v Speaker 2>not sure if that's still that way. I don't know

1823
01:38:51.319 --> 01:38:53.960
<v Speaker 2>if there's a special exclusion for the blind. We can

1824
01:38:54.000 --> 01:38:59.760
<v Speaker 2>look that up though for you and find out. Hold On,

1825
01:39:00.079 --> 01:39:07.279
<v Speaker 2>let me just ask ai here, Okay, hold on, all right,

1826
01:39:08.960 --> 01:39:11.880
<v Speaker 2>hold on, I'm asking it right now, right now. Let's

1827
01:39:11.880 --> 01:39:13.640
<v Speaker 2>see what they what says I said? Is there a

1828
01:39:13.680 --> 01:39:16.880
<v Speaker 2>special concerting of tax Let's see. Yes, individuals who are

1829
01:39:16.960 --> 01:39:22.720
<v Speaker 2>legally blind are eligible for specific tax benefits on federal

1830
01:39:22.840 --> 01:39:27.439
<v Speaker 2>and state levels. Legally blind taxpayers can claim an additional

1831
01:39:27.560 --> 01:39:32.640
<v Speaker 2>standard deduction on their federal income tax return. So are

1832
01:39:32.720 --> 01:39:38.800
<v Speaker 2>you filing single? Yes, sir, you get an additional nineteen

1833
01:39:39.199 --> 01:39:45.720
<v Speaker 2>and fifty dollars as a deduction. But you you really

1834
01:39:45.800 --> 01:39:47.439
<v Speaker 2>need to talk to an expert. You don't do your

1835
01:39:47.479 --> 01:39:48.880
<v Speaker 2>own taxes, do you, Ernie?

1836
01:39:49.720 --> 01:39:55.279
<v Speaker 13>No, No, I don't. I just wondered sex increase quite

1837
01:39:55.279 --> 01:39:59.279
<v Speaker 13>a bit when let's start taking that minimum retirement.

1838
01:39:59.560 --> 01:40:02.840
<v Speaker 2>I mean, oh, how old are you right now? How

1839
01:40:02.880 --> 01:40:03.640
<v Speaker 2>old are you right now?

1840
01:40:04.520 --> 01:40:04.960
<v Speaker 18>May eight?

1841
01:40:06.880 --> 01:40:11.079
<v Speaker 2>Well, that minimum that minimum distribution happened way back when

1842
01:40:11.119 --> 01:40:12.079
<v Speaker 2>you were seventy two.

1843
01:40:13.319 --> 01:40:16.600
<v Speaker 13>Yeah, it continues right or right through you know. True,

1844
01:40:17.520 --> 01:40:18.279
<v Speaker 13>I don't know how.

1845
01:40:18.760 --> 01:40:21.159
<v Speaker 2>So you're saying your tax rate. You're saying your tax

1846
01:40:21.279 --> 01:40:21.800
<v Speaker 2>rate went up.

1847
01:40:22.960 --> 01:40:26.000
<v Speaker 13>Yeah, well I guess I ain't coming up because they're

1848
01:40:26.039 --> 01:40:29.000
<v Speaker 13>taken four dollars a month they send to me, and

1849
01:40:29.119 --> 01:40:30.399
<v Speaker 13>that's considered income.

1850
01:40:31.840 --> 01:40:34.520
<v Speaker 2>No, of course, that's your minimum distribution. I got it.

1851
01:40:34.600 --> 01:40:36.479
<v Speaker 2>So you must have some retirement put away.

1852
01:40:38.800 --> 01:40:38.960
<v Speaker 4>I have.

1853
01:40:39.279 --> 01:40:43.079
<v Speaker 13>Yeah, I had a couple of dollars put in plan.

1854
01:40:43.680 --> 01:40:51.560
<v Speaker 2>Okay, okay, wow right, so Ernie, so Ernie, okay, So

1855
01:40:51.800 --> 01:40:55.920
<v Speaker 2>basically it is you know, all I can say is

1856
01:40:56.640 --> 01:40:58.159
<v Speaker 2>it is what it is when it comes to that,

1857
01:40:58.840 --> 01:41:01.720
<v Speaker 2>and you do get an extra federal deduction and some

1858
01:41:01.840 --> 01:41:05.399
<v Speaker 2>other deductions, but go to an act tax expert, uh

1859
01:41:05.560 --> 01:41:08.159
<v Speaker 2>and find out more. Okay, because we can't give you

1860
01:41:08.239 --> 01:41:10.880
<v Speaker 2>specific tax. If you had a specific question, we can

1861
01:41:10.920 --> 01:41:12.720
<v Speaker 2>get it for you. We have more coming up on

1862
01:41:12.760 --> 01:41:15.119
<v Speaker 2>the Troubleshooter Show three O three seven to one three

1863
01:41:15.239 --> 01:41:22.880
<v Speaker 2>Talk seven one three eight two five five. Go with

1864
01:41:22.960 --> 01:41:26.399
<v Speaker 2>a sure thing Denver's Best roofer Excel Roofing dot com.

1865
01:41:26.560 --> 01:41:32.199
<v Speaker 2>You don't pay a cent until you're content. Please time

1866
01:41:32.239 --> 01:41:35.520
<v Speaker 2>for an insurance check up free, no obligation comparison call

1867
01:41:35.640 --> 01:41:38.920
<v Speaker 2>Compass Insurance paying too much your coverage at dozens of

1868
01:41:39.000 --> 01:41:41.640
<v Speaker 2>insurance companies find out now three oh three seven to

1869
01:41:41.720 --> 01:41:44.479
<v Speaker 2>seven to one. Help. You'll think you're his only customer

1870
01:41:44.560 --> 01:41:46.720
<v Speaker 2>when you choose Frank durand the real estate Man dot

1871
01:41:46.840 --> 01:41:50.119
<v Speaker 2>com to list your home with Remax Alliance three oh

1872
01:41:50.199 --> 01:41:52.079
<v Speaker 2>three nine two zero sixteen twenty two.

1873
01:41:58.560 --> 01:41:59.920
<v Speaker 5>I think it's just more clear.

1874
01:42:00.159 --> 01:42:02.279
<v Speaker 2>Hi, Tom Martinez here at three zero three seven to

1875
01:42:02.319 --> 01:42:05.840
<v Speaker 2>one to three talk seven one three eight two five five.

1876
01:42:06.520 --> 01:42:09.000
<v Speaker 2>All right. I have a text here that says, Tom,

1877
01:42:09.439 --> 01:42:14.199
<v Speaker 2>what is your motive? Are you subliminally suggesting a lot

1878
01:42:14.279 --> 01:42:18.680
<v Speaker 2>of medicaid fraud by people who are living in expensive homes?

1879
01:42:19.439 --> 01:42:22.640
<v Speaker 2>I don't think that's the case. I don't think anyone

1880
01:42:22.800 --> 01:42:25.359
<v Speaker 2>with any means is going to choose to be covered

1881
01:42:25.720 --> 01:42:31.000
<v Speaker 2>under Medicaid versus some other health insurance, including Medicare. Care

1882
01:42:31.159 --> 01:42:36.000
<v Speaker 2>under Medicaid is generally pretty sucky, like way substandard. Okay,

1883
01:42:36.199 --> 01:42:39.760
<v Speaker 2>let me address this first when I said Medicare is

1884
01:42:39.840 --> 01:42:43.399
<v Speaker 2>now income based, meaning a lot of older people and

1885
01:42:43.520 --> 01:42:45.960
<v Speaker 2>a lot of people on fixed incomes might have a

1886
01:42:46.039 --> 01:42:49.359
<v Speaker 2>house that's completely paid for, but they don't have much income,

1887
01:42:49.680 --> 01:42:54.159
<v Speaker 2>they are eligible for Medicare or Medicaid. So Medicaid is

1888
01:42:54.239 --> 01:42:57.800
<v Speaker 2>available to people who make less than seventy as a

1889
01:42:57.840 --> 01:43:01.920
<v Speaker 2>single taxpayer seventeen hundred dollars a month of gross income

1890
01:43:02.199 --> 01:43:04.720
<v Speaker 2>of adjusted gross income. If you make more than that,

1891
01:43:05.119 --> 01:43:07.279
<v Speaker 2>you're not eligible. If you make less than that, you

1892
01:43:07.439 --> 01:43:09.760
<v Speaker 2>are eligible. So here's the bottom line.

1893
01:43:11.760 --> 01:43:13.399
<v Speaker 6>You have to.

1894
01:43:15.880 --> 01:43:21.840
<v Speaker 2>Apply on income alone. Is it true that Medicaid has

1895
01:43:22.000 --> 01:43:26.199
<v Speaker 2>pretty sucky service, Absolutely positively.

1896
01:43:26.399 --> 01:43:26.439
<v Speaker 6>No.

1897
01:43:27.479 --> 01:43:31.359
<v Speaker 2>In fact, Medicaid offers some of the best providers and

1898
01:43:31.520 --> 01:43:36.359
<v Speaker 2>some of the best healthcare in the system period. And

1899
01:43:36.520 --> 01:43:39.840
<v Speaker 2>I know that because I know people who do Medicaid

1900
01:43:40.520 --> 01:43:43.920
<v Speaker 2>and they say that the service and the quality of

1901
01:43:44.079 --> 01:43:48.159
<v Speaker 2>care is better than they've ever had in their entire life.

1902
01:43:48.600 --> 01:43:55.680
<v Speaker 2>So that is truly truly misunderstood Medicaid does not mean substandard,

1903
01:43:56.119 --> 01:44:02.279
<v Speaker 2>absolutely positively does not. I am not suggesting medicare fraud

1904
01:44:02.479 --> 01:44:06.520
<v Speaker 2>or medicaid fraud. It is not medicaid fraud. If you qualify,

1905
01:44:07.039 --> 01:44:10.279
<v Speaker 2>you qualify. It doesn't matter if you have an airplane

1906
01:44:10.359 --> 01:44:12.800
<v Speaker 2>or a house, or a boat or a yacht, or

1907
01:44:12.880 --> 01:44:18.479
<v Speaker 2>doesn't matter. It matters income period income when it comes

1908
01:44:18.560 --> 01:44:22.760
<v Speaker 2>to regular medicaid. So there, and I'm not suggesting it's

1909
01:44:22.840 --> 01:44:26.479
<v Speaker 2>fraudulent at all. That's the system and people have a

1910
01:44:26.600 --> 01:44:31.359
<v Speaker 2>right to take advantage of the system. Now, this one

1911
01:44:31.439 --> 01:44:34.399
<v Speaker 2>guy who had a home. Where did he say he was?

1912
01:44:35.319 --> 01:44:38.720
<v Speaker 2>He was in North Carolina, Valdiz, North Carolina. Said he

1913
01:44:38.720 --> 01:44:40.960
<v Speaker 2>had sold houses on his own. He was having trouble

1914
01:44:41.000 --> 01:44:43.760
<v Speaker 2>selling this one. And I said, I think you're asking

1915
01:44:43.840 --> 01:44:46.920
<v Speaker 2>a little too much for the average price in that market,

1916
01:44:47.000 --> 01:44:49.159
<v Speaker 2>because we looked up the average price and it was

1917
01:44:49.199 --> 01:44:53.039
<v Speaker 2>around two eighty and he was asking three ninety, right, Okay,

1918
01:44:53.399 --> 01:44:56.319
<v Speaker 2>So we wondered, why isn't it selling. It's probably priced.

1919
01:44:56.319 --> 01:44:59.439
<v Speaker 2>And what he said was I fixed up the house.

1920
01:44:59.560 --> 01:45:01.680
<v Speaker 2>Most of the those houses selling for cheaper need a

1921
01:45:01.720 --> 01:45:05.520
<v Speaker 2>lot of the upgrades I already did. So that is

1922
01:45:06.680 --> 01:45:10.760
<v Speaker 2>a cautionary tale. Maybe if you have a neighborhood where

1923
01:45:10.880 --> 01:45:15.600
<v Speaker 2>houses are selling, let's say for three hundred, and the

1924
01:45:15.640 --> 01:45:18.199
<v Speaker 2>average home is like three hundred, and they need a

1925
01:45:18.239 --> 01:45:20.079
<v Speaker 2>lot of work, and you do all the work, and

1926
01:45:20.159 --> 01:45:22.000
<v Speaker 2>now you're going to sell for three eighty five or

1927
01:45:22.039 --> 01:45:26.159
<v Speaker 2>four twenty. Is that wise? You know?

1928
01:45:26.359 --> 01:45:29.680
<v Speaker 6>It's it's the rule of thumb is it's always hard

1929
01:45:29.720 --> 01:45:31.720
<v Speaker 6>to be the most expensive home in the area because

1930
01:45:31.800 --> 01:45:35.359
<v Speaker 6>ultimately it's harder to find comparable sales when determining value.

1931
01:45:36.079 --> 01:45:38.880
<v Speaker 2>So it's better to low price in the neighborhood.

1932
01:45:39.319 --> 01:45:39.479
<v Speaker 11>You know.

1933
01:45:39.920 --> 01:45:44.159
<v Speaker 2>Yeah, I if maybe he's justify did he make a

1934
01:45:44.199 --> 01:45:46.039
<v Speaker 2>mistake by fixing up that house too much?

1935
01:45:46.600 --> 01:45:49.439
<v Speaker 5>He may have over improved it. That's the possibility.

1936
01:45:50.119 --> 01:45:53.319
<v Speaker 6>What will happen is they the appraiser, may be able

1937
01:45:53.399 --> 01:45:55.279
<v Speaker 6>to extend the area a little bit as long as

1938
01:45:55.319 --> 01:45:57.640
<v Speaker 6>they stay in a like neighborhood. You know, they do

1939
01:45:57.920 --> 01:46:00.520
<v Speaker 6>have things they won't go outside of, you know, crossing

1940
01:46:00.560 --> 01:46:03.279
<v Speaker 6>major roads or you know, things like that, changing neighborhood

1941
01:46:03.279 --> 01:46:05.239
<v Speaker 6>type to find a home to justify it. But if

1942
01:46:05.239 --> 01:46:09.119
<v Speaker 6>they can't find something that justifies that comprey, yeah, they

1943
01:46:09.119 --> 01:46:12.720
<v Speaker 6>can make some adjustments. My suggestion to this gentleman would

1944
01:46:12.720 --> 01:46:15.279
<v Speaker 6>be to get an independent appraisal and just get you

1945
01:46:15.359 --> 01:46:16.840
<v Speaker 6>know that, get to load down.

1946
01:46:16.800 --> 01:46:18.520
<v Speaker 2>What is it worth, what is it worth? What they

1947
01:46:18.560 --> 01:46:20.920
<v Speaker 2>do you might have over improved it, sir. So here's

1948
01:46:20.960 --> 01:46:24.000
<v Speaker 2>the bottom line. If you're going into a neighborhood and

1949
01:46:24.119 --> 01:46:26.560
<v Speaker 2>you want to improve your house to sell it, don't

1950
01:46:26.560 --> 01:46:29.239
<v Speaker 2>improve it too much. Because some people would rather have

1951
01:46:29.359 --> 01:46:32.319
<v Speaker 2>the affordability of a home than new windows. They might think,

1952
01:46:32.479 --> 01:46:34.640
<v Speaker 2>I can buy this house and live in it at least,

1953
01:46:34.960 --> 01:46:38.520
<v Speaker 2>and I'll get new windows someday. Sure, And there are

1954
01:46:38.640 --> 01:46:41.279
<v Speaker 2>certain and you can always make a concession after you

1955
01:46:41.359 --> 01:46:44.039
<v Speaker 2>get the contract. Yeah, you can definitely, you know, put

1956
01:46:44.079 --> 01:46:44.880
<v Speaker 2>it in the contract.

1957
01:46:44.920 --> 01:46:47.760
<v Speaker 6>You're in inspections and things like that. But you know,

1958
01:46:47.920 --> 01:46:51.439
<v Speaker 6>one thing, you just want to be cautious not to

1959
01:46:52.319 --> 01:46:55.760
<v Speaker 6>do that. Or I had a you know, a transaction

1960
01:46:56.119 --> 01:47:00.680
<v Speaker 6>where the property was so overimproved and we had that

1961
01:47:00.760 --> 01:47:05.279
<v Speaker 6>were renovated comps and this one, you know, was just

1962
01:47:05.640 --> 01:47:08.720
<v Speaker 6>so much higher improved that they came in, you know.

1963
01:47:08.840 --> 01:47:11.640
<v Speaker 5>Really over the top in pricing and there was no

1964
01:47:11.840 --> 01:47:12.640
<v Speaker 5>justification for it.

1965
01:47:12.800 --> 01:47:16.159
<v Speaker 6>So they pulled comps from different towns in the same uh,

1966
01:47:16.279 --> 01:47:17.359
<v Speaker 6>in the same county, And.

1967
01:47:17.439 --> 01:47:18.600
<v Speaker 5>That's not really going to work.

1968
01:47:19.000 --> 01:47:21.840
<v Speaker 6>I think you need to hyper focus on your location

1969
01:47:22.479 --> 01:47:23.920
<v Speaker 6>and make sure you're good to the location.

1970
01:47:24.079 --> 01:47:26.359
<v Speaker 2>All right three oh three seven one three talk seven

1971
01:47:26.439 --> 01:47:29.479
<v Speaker 2>one three eight two five five. This is the Troubleshooter

1972
01:47:29.600 --> 01:47:32.319
<v Speaker 2>Show where solving problems, answering questions, taking complace. Sketch your

1973
01:47:32.359 --> 01:47:34.920
<v Speaker 2>calls in for anything you need, or you can text

1974
01:47:35.039 --> 01:47:39.239
<v Speaker 2>me at seven four seven nine nine nine fifty two

1975
01:47:39.279 --> 01:47:42.399
<v Speaker 2>eighty seven four seven nine nine nine fifty two eighty

1976
01:47:42.960 --> 01:47:46.760
<v Speaker 2>or on the iHeart short code five seven seven three

1977
01:47:46.920 --> 01:47:50.479
<v Speaker 2>nine put Tom there, go with a sure thing Denver's

1978
01:47:50.560 --> 01:47:53.399
<v Speaker 2>best roofer Excel Roofing dot com. You don't pay a

1979
01:47:53.560 --> 01:47:58.479
<v Speaker 2>cent until you're content, wait on top of it. Time

1980
01:47:58.560 --> 01:48:01.439
<v Speaker 2>for an insurance check up free, no obligation. In comparison,

1981
01:48:01.600 --> 01:48:05.119
<v Speaker 2>call Compass Insurance paying too much your coverage at dozens

1982
01:48:05.159 --> 01:48:07.880
<v Speaker 2>of insurance companies find out now three all three seven

1983
01:48:08.000 --> 01:48:10.800
<v Speaker 2>seven to one help. You'll think you're his only customer

1984
01:48:10.840 --> 01:48:13.039
<v Speaker 2>when you choose Frank durand the real estate Man dot

1985
01:48:13.119 --> 01:48:16.439
<v Speaker 2>com to list your home with Remax Alliance three all

1986
01:48:16.479 --> 01:48:18.399
<v Speaker 2>three nine two zero sixteen twenty two.

1987
01:48:19.239 --> 01:48:24.439
<v Speaker 5>Yeah, ripped of.

1988
01:48:26.159 --> 01:48:26.439
<v Speaker 6>News.

1989
01:48:27.439 --> 01:48:29.439
<v Speaker 5>You needed that so you don't have a.

1990
01:48:31.439 --> 01:48:33.800
<v Speaker 2>Camun anxious as fast as we can.

1991
01:48:35.159 --> 01:48:36.439
<v Speaker 12>Shooter's gonna help.

1992
01:48:36.720 --> 01:48:45.199
<v Speaker 4>Come man, This is the Troubleshooter Show now, Tom Martinez, Hello, Hello, and.

1993
01:48:45.399 --> 01:48:49.079
<v Speaker 21>Welcome to the fourth hour of the longest standing consumer

1994
01:48:49.159 --> 01:48:52.359
<v Speaker 21>advocate show in the world. For over forty five years,

1995
01:48:52.520 --> 01:48:56.439
<v Speaker 21>the Troubleshooter Show has been solving your problems and complaints.

1996
01:48:57.039 --> 01:49:00.479
<v Speaker 21>In addition to over three hundred and fifty million dollars covered,

1997
01:49:00.920 --> 01:49:05.439
<v Speaker 21>the Troubleshooter has actually saved our audience millions of dollars

1998
01:49:05.760 --> 01:49:10.000
<v Speaker 21>and avoiding costly mistakes by simply listening to our show

1999
01:49:10.359 --> 01:49:14.359
<v Speaker 21>on a daily basis. I am Deputy Bo along with

2000
01:49:14.479 --> 01:49:19.600
<v Speaker 21>Deputy Dimitri and special guests real estate expert Stephanie Thomas.

2001
01:49:20.119 --> 01:49:23.119
<v Speaker 2>We have three lines open right now, so give us

2002
01:49:23.159 --> 01:49:23.960
<v Speaker 2>a call at.

2003
01:49:23.960 --> 01:49:27.199
<v Speaker 21>Three oh three seven, one, three eight, two five five

2004
01:49:27.680 --> 01:49:31.720
<v Speaker 21>or three oh three. Martino, the founder of the Troubleshooter Show,

2005
01:49:31.960 --> 01:49:34.439
<v Speaker 21>Mister Tom Martino is here now.

2006
01:49:34.920 --> 01:49:38.000
<v Speaker 2>All right, bo, Okay, you know what I'm gonna do. Ah,

2007
01:49:38.119 --> 01:49:41.159
<v Speaker 2>that's a good open, good open. Thank you so much.

2008
01:49:41.560 --> 01:49:43.800
<v Speaker 2>That's a hard act to follow. So what we're doing

2009
01:49:43.840 --> 01:49:46.760
<v Speaker 2>today is uh trying to solve your problems. And I

2010
01:49:47.199 --> 01:49:49.159
<v Speaker 2>have some texts I want to get to I told

2011
01:49:49.199 --> 01:49:53.840
<v Speaker 2>you you could text me at three zero three excuse me,

2012
01:49:53.960 --> 01:49:57.279
<v Speaker 2>seven four seven nine nine nine fifty two eighty And

2013
01:49:57.479 --> 01:49:59.920
<v Speaker 2>I got this link and I'm not sure what it said.

2014
01:50:00.600 --> 01:50:06.880
<v Speaker 2>It says realtor something something, and it is about the

2015
01:50:07.039 --> 01:50:09.279
<v Speaker 2>do's and dones of listing homes and all that. Do

2016
01:50:09.359 --> 01:50:12.000
<v Speaker 2>you do social media like that's Stephanie, I.

2017
01:50:12.159 --> 01:50:13.520
<v Speaker 5>Don't you know.

2018
01:50:13.840 --> 01:50:17.840
<v Speaker 6>I use social media to get a good audience for

2019
01:50:18.000 --> 01:50:21.479
<v Speaker 6>my listings, to you know, give buzz for open houses

2020
01:50:21.560 --> 01:50:24.640
<v Speaker 6>things like that, But I don't do all the little

2021
01:50:24.880 --> 01:50:27.680
<v Speaker 6>videos and you know, things that you see some of

2022
01:50:27.720 --> 01:50:29.039
<v Speaker 6>the agents doing on TikTok.

2023
01:50:29.560 --> 01:50:32.760
<v Speaker 2>Yeah, there's so many ages on TikTok or on Instagram

2024
01:50:32.920 --> 01:50:36.640
<v Speaker 2>or on YouTube trying to give advice. Okay, So somebody

2025
01:50:36.720 --> 01:50:39.920
<v Speaker 2>wants to know what's the hardest kind of house to sell? Okay,

2026
01:50:40.479 --> 01:50:42.119
<v Speaker 2>I don't even know what that means. What do they

2027
01:50:42.159 --> 01:50:44.960
<v Speaker 2>mean by that? What's the hardest? What would like like

2028
01:50:45.079 --> 01:50:47.479
<v Speaker 2>a single family, one bedroom? There are no bunvit.

2029
01:50:47.680 --> 01:50:50.960
<v Speaker 6>I think the hardest home to sell something that's really

2030
01:50:51.359 --> 01:50:54.840
<v Speaker 6>informing to the area. So, for instance, if you have,

2031
01:50:56.119 --> 01:51:00.000
<v Speaker 6>you know, a home that is eight thousand square feet

2032
01:51:00.479 --> 01:51:04.479
<v Speaker 6>overbuilt for the area, surrounded by homes that are typical,

2033
01:51:04.880 --> 01:51:06.800
<v Speaker 6>you know, say twenty five hundred square foot, you know,

2034
01:51:06.880 --> 01:51:08.399
<v Speaker 6>just giving some examples.

2035
01:51:08.239 --> 01:51:10.560
<v Speaker 5>That home is overbuilt for that area, so it's going

2036
01:51:10.640 --> 01:51:11.319
<v Speaker 5>to stick out.

2037
01:51:11.520 --> 01:51:13.319
<v Speaker 6>I do think that's going to be a harder sell

2038
01:51:13.760 --> 01:51:16.560
<v Speaker 6>because most of the homes in that area, you know,

2039
01:51:16.840 --> 01:51:19.439
<v Speaker 6>and just giving random offhands, it might be four hundred

2040
01:51:19.520 --> 01:51:22.479
<v Speaker 6>thousand when you look at this other home being so

2041
01:51:22.720 --> 01:51:26.279
<v Speaker 6>much larger, so much more substantial, you know, potentially valued it,

2042
01:51:26.439 --> 01:51:28.880
<v Speaker 6>say over a million, and then you've got a million.

2043
01:51:30.199 --> 01:51:33.000
<v Speaker 5>Surrounded by homes that just are completely different.

2044
01:51:33.079 --> 01:51:35.079
<v Speaker 2>So you don't want to have the most expensive home. Also,

2045
01:51:35.119 --> 01:51:37.159
<v Speaker 2>you want to be conforming. I know a woman one

2046
01:51:37.199 --> 01:51:40.920
<v Speaker 2>time who built a log cabin in Denver. In Denver,

2047
01:51:41.279 --> 01:51:43.840
<v Speaker 2>she couldn't sell it. She wondered, why who's going to

2048
01:51:43.880 --> 01:51:46.159
<v Speaker 2>buy a log cabin in Denver in a regular neighborhood.

2049
01:51:47.239 --> 01:51:47.439
<v Speaker 20>Yeah.

2050
01:51:47.800 --> 01:51:51.439
<v Speaker 6>I think that's what gets really hard because areas, you know,

2051
01:51:51.520 --> 01:51:54.000
<v Speaker 6>in neighborhoods and things, you know, your buyers are looking

2052
01:51:54.359 --> 01:51:56.640
<v Speaker 6>in those areas for amenities. So unless you have that

2053
01:51:56.760 --> 01:51:58.680
<v Speaker 6>one off buyer that just happens to fall in love

2054
01:51:58.720 --> 01:52:01.600
<v Speaker 6>with it right and has the means to facilitate that purchase.

2055
01:52:02.079 --> 01:52:03.359
<v Speaker 6>You know, it kind of goes into what we were

2056
01:52:03.399 --> 01:52:06.279
<v Speaker 6>talking about with you know, the gentleman that potentially overimproved

2057
01:52:06.319 --> 01:52:08.680
<v Speaker 6>that property, that has a home that's going to be

2058
01:52:08.760 --> 01:52:11.520
<v Speaker 6>so much more expensive than the others around it. You know,

2059
01:52:11.680 --> 01:52:13.680
<v Speaker 6>it just becomes a difficult position.

2060
01:52:13.920 --> 01:52:16.560
<v Speaker 2>Of course. Now there's another one, find the value too.

2061
01:52:16.800 --> 01:52:19.560
<v Speaker 2>There's another one. I think people severely limit themselves when

2062
01:52:19.600 --> 01:52:22.479
<v Speaker 2>they do Frank Lloyd wrong or Frank Lloyd right. You

2063
01:52:22.560 --> 01:52:28.039
<v Speaker 2>know these modern looking boxes with steel and grays and glass.

2064
01:52:28.680 --> 01:52:31.079
<v Speaker 2>H I mean, now there might be people listening, but

2065
01:52:31.359 --> 01:52:34.479
<v Speaker 2>we call them modern, which is funny because they look

2066
01:52:34.600 --> 01:52:37.720
<v Speaker 2>the same. In nineteen sixty we used to call a modern.

2067
01:52:37.960 --> 01:52:40.920
<v Speaker 2>We still call a modern because no one's ever caught

2068
01:52:41.000 --> 01:52:42.960
<v Speaker 2>up with it. But there was always a concept by

2069
01:52:43.039 --> 01:52:45.920
<v Speaker 2>Frank Lloyd Wright of what houses would look like. And

2070
01:52:46.000 --> 01:52:49.239
<v Speaker 2>they look like alien spaceships, or they look like dental

2071
01:52:49.319 --> 01:52:52.720
<v Speaker 2>offices or something, and then they become a home. And

2072
01:52:52.840 --> 01:52:55.760
<v Speaker 2>I jokingly call it Frank Lloyd wrong. Now that's one

2073
01:52:55.760 --> 01:52:57.439
<v Speaker 2>of the most Frank Lloyd Wright was one of the

2074
01:52:57.520 --> 01:53:02.439
<v Speaker 2>most prolific successful architects in the world. But Frank Lloyd Wrong.

2075
01:53:02.560 --> 01:53:05.520
<v Speaker 2>Homes in a neighborhood you have conventional beautiful brick homes,

2076
01:53:05.560 --> 01:53:09.720
<v Speaker 2>Stuckleholmes beautiful homes. Then you have this thing that looks

2077
01:53:09.800 --> 01:53:14.479
<v Speaker 2>like a library or or an office at NASA. You

2078
01:53:14.560 --> 01:53:19.479
<v Speaker 2>know that with steel and glass and square. Have you

2079
01:53:19.640 --> 01:53:21.680
<v Speaker 2>seen those? I've seen some of those, and you know

2080
01:53:22.079 --> 01:53:24.399
<v Speaker 2>you got to find the special buyer for that you do.

2081
01:53:24.640 --> 01:53:27.000
<v Speaker 6>And I think a really good rule of thumb is

2082
01:53:27.520 --> 01:53:30.760
<v Speaker 6>whenever you are doing any type of improvement to your

2083
01:53:30.840 --> 01:53:34.039
<v Speaker 6>home you want and you're doing it with the intent

2084
01:53:34.199 --> 01:53:36.560
<v Speaker 6>to sell, you know, you want to do it so

2085
01:53:36.760 --> 01:53:39.359
<v Speaker 6>that you are going to appeal to the masses and

2086
01:53:39.479 --> 01:53:42.720
<v Speaker 6>not just a specific amount, you know, a smaller amount

2087
01:53:42.720 --> 01:53:47.600
<v Speaker 6>of potential buyers. You know, anytime you overly specific do

2088
01:53:47.840 --> 01:53:51.680
<v Speaker 6>something like that, whether it's super ultra modern or you know,

2089
01:53:52.000 --> 01:53:54.720
<v Speaker 6>maybe you take out all your bedrooms and create one

2090
01:53:55.239 --> 01:53:57.960
<v Speaker 6>giant suite because that facilitates your need. Well, what you've

2091
01:53:58.039 --> 01:54:01.640
<v Speaker 6>done is you've taken you limited your buyers, limitted your buyers.

2092
01:54:01.680 --> 01:54:04.600
<v Speaker 6>Anytime you limit your buyers like that, your financial gain

2093
01:54:04.680 --> 01:54:05.840
<v Speaker 6>is potentially limited as well.

2094
01:54:06.039 --> 01:54:09.159
<v Speaker 2>And that goes for like neighborhoods on golf courses and everything.

2095
01:54:09.279 --> 01:54:11.319
<v Speaker 2>Golf courses might be the most beautiful thing in the world,

2096
01:54:11.359 --> 01:54:12.720
<v Speaker 2>but there are some people won't pay for it.

2097
01:54:13.039 --> 01:54:16.560
<v Speaker 6>Absolutely, you've got that specific buyer looking for that that's

2098
01:54:16.600 --> 01:54:17.600
<v Speaker 6>going to go in and of course.

2099
01:54:17.600 --> 01:54:19.880
<v Speaker 2>Justine and then like in Florida, you have communities with

2100
01:54:20.039 --> 01:54:24.720
<v Speaker 2>docks with swimming pools, you have airport communities in Florida,

2101
01:54:24.760 --> 01:54:26.680
<v Speaker 2>a lot. You have a couple here in Colorado, which

2102
01:54:26.680 --> 01:54:28.479
<v Speaker 2>is the most dumb thing you could ever do. As

2103
01:54:28.520 --> 01:54:30.520
<v Speaker 2>much as I love aircraft, I mean, to buy an

2104
01:54:30.520 --> 01:54:33.520
<v Speaker 2>airport property, do you know you have to not only

2105
01:54:33.600 --> 01:54:35.000
<v Speaker 2>find a guy who wants to buy that, but a

2106
01:54:35.079 --> 01:54:37.159
<v Speaker 2>wife that will go along with it. I mean, I mean,

2107
01:54:37.199 --> 01:54:40.880
<v Speaker 2>if you think about it, how severely limiting is that market?

2108
01:54:41.199 --> 01:54:44.680
<v Speaker 2>So anything to now horse properties, that's another thing that's

2109
01:54:44.800 --> 01:54:48.319
<v Speaker 2>not as severely limiting because people will live. They'll live

2110
01:54:48.359 --> 01:54:50.520
<v Speaker 2>in a horse property even if they don't have a horse.

2111
01:54:50.640 --> 01:54:50.800
<v Speaker 9>Yeah.

2112
01:54:50.840 --> 01:54:53.319
<v Speaker 6>Somebody who just wants some space, right right, So that's

2113
01:54:53.399 --> 01:54:56.600
<v Speaker 6>something that it becomes a feature when they go to market.

2114
01:54:56.439 --> 01:54:59.039
<v Speaker 2>Lives on a horse property. Yeah, but he doesn't have horses.

2115
01:54:59.079 --> 01:55:02.880
<v Speaker 2>But see, they just wanted the space. So really, by

2116
01:55:02.920 --> 01:55:05.760
<v Speaker 2>the way, I got this text which is very interesting saying,

2117
01:55:05.840 --> 01:55:10.119
<v Speaker 2>look at this instagram concerning realtors and commissions. Take a

2118
01:55:10.159 --> 01:55:12.520
<v Speaker 2>look at this guy from Boulder who thinks the real

2119
01:55:12.600 --> 01:55:15.680
<v Speaker 2>estate industry is a cartel and his goal is to

2120
01:55:15.840 --> 01:55:19.600
<v Speaker 2>disrupt the industry with an AI assisted company called for

2121
01:55:19.720 --> 01:55:22.319
<v Speaker 2>sale by owners and sellers that don't want to pay

2122
01:55:22.479 --> 01:55:25.840
<v Speaker 2>enormous commissions to realtors that offer little value. See I

2123
01:55:26.359 --> 01:55:29.479
<v Speaker 2>doubt see. I don't know realtors who charge commissions and

2124
01:55:29.600 --> 01:55:31.520
<v Speaker 2>offer little value, because the only ones I really know

2125
01:55:31.680 --> 01:55:33.960
<v Speaker 2>are you and Frank Duran. And I can say in

2126
01:55:34.039 --> 01:55:37.800
<v Speaker 2>almost every single not almost, in every single case I've seen,

2127
01:55:37.840 --> 01:55:40.279
<v Speaker 2>you guys have outsold the market. And I don't think

2128
01:55:40.319 --> 01:55:44.880
<v Speaker 2>there's any way an individual with one house one perspective

2129
01:55:45.119 --> 01:55:48.439
<v Speaker 2>could ever see. You look at the overview and you're thinking,

2130
01:55:48.680 --> 01:55:50.560
<v Speaker 2>wait a minute, I had a house like this over

2131
01:55:50.680 --> 01:55:52.720
<v Speaker 2>and such and such, and I was able to do this,

2132
01:55:52.880 --> 01:55:54.920
<v Speaker 2>this and this, let's start out here and we're going

2133
01:55:54.960 --> 01:55:57.359
<v Speaker 2>to get this price. I don't think an individual can

2134
01:55:57.399 --> 01:56:02.319
<v Speaker 2>do that. And I certainly don't know what the how

2135
01:56:02.359 --> 01:56:06.600
<v Speaker 2>shall I put it, what this industry can offer. I

2136
01:56:06.720 --> 01:56:09.119
<v Speaker 2>might play some of it on some of this Instagram

2137
01:56:09.239 --> 01:56:13.720
<v Speaker 2>on it, but I let's say, yeah, I'm just interested. Again,

2138
01:56:14.560 --> 01:56:17.960
<v Speaker 2>he's talking about selling a home let's see can you

2139
01:56:18.319 --> 01:56:19.880
<v Speaker 2>I don't even know if I can hear this over

2140
01:56:19.960 --> 01:56:22.079
<v Speaker 2>the air, but let's see you. No, I'm not getting

2141
01:56:22.119 --> 01:56:24.439
<v Speaker 2>his audio. Oh wait, wait, you're new here or this

2142
01:56:24.520 --> 01:56:26.880
<v Speaker 2>is coming over the air algorithm. Here's a little background.

2143
01:56:27.199 --> 01:56:28.760
<v Speaker 20>A few months ago, I decided that I wanted to

2144
01:56:28.800 --> 01:56:31.479
<v Speaker 20>sell my house in Colorado without an agent, and that

2145
01:56:31.680 --> 01:56:35.079
<v Speaker 20>process opened my eyes to just how broken the system

2146
01:56:35.119 --> 01:56:37.199
<v Speaker 20>of buying and selling homes is in the United States,

2147
01:56:37.439 --> 01:56:39.960
<v Speaker 20>and it prompted me to start a new company called Ridley.

2148
01:56:40.079 --> 01:56:42.119
<v Speaker 2>Our mission with Ridley is very seat of this guy.

2149
01:56:42.159 --> 01:56:45.239
<v Speaker 20>If you want to help consumers save tens of thousands

2150
01:56:45.279 --> 01:56:49.159
<v Speaker 20>of dollars unnecessary commissions by building a platform that leverages

2151
01:56:49.239 --> 01:56:50.319
<v Speaker 20>AI to automate much.

2152
01:56:50.520 --> 01:56:53.199
<v Speaker 2>See, I don't believe they are unnecessary commissions, except now

2153
01:56:53.279 --> 01:56:55.479
<v Speaker 2>there are scenes of giving people the ability to bring

2154
01:56:55.520 --> 01:56:57.399
<v Speaker 2>intuity support only when they need it.

2155
01:56:57.600 --> 01:56:59.960
<v Speaker 20>So I incorporated this company. Like twenty seven days ago,

2156
01:57:00.359 --> 01:57:03.920
<v Speaker 20>I raised a preced investment. I've hired two engineers, a

2157
01:57:04.079 --> 01:57:07.359
<v Speaker 20>data scientist and a product designer, and we are probably

2158
01:57:07.439 --> 01:57:10.359
<v Speaker 20>two weeks away from having our MVP complete. An MVP

2159
01:57:10.520 --> 01:57:13.199
<v Speaker 20>is basically your minimally viable product, or like the first

2160
01:57:13.319 --> 01:57:15.359
<v Speaker 20>product that you can take to market to begin to

2161
01:57:15.520 --> 01:57:15.840
<v Speaker 20>test with.

2162
01:57:15.960 --> 01:57:16.079
<v Speaker 2>Well.

2163
01:57:16.199 --> 01:57:18.600
<v Speaker 20>Okay, so meanwhile, we already have a handful of sellers

2164
01:57:18.640 --> 01:57:20.760
<v Speaker 20>that are in our manual beta who are combined on

2165
01:57:20.880 --> 01:57:21.720
<v Speaker 20>track to save well.

2166
01:57:21.960 --> 01:57:24.520
<v Speaker 2>Right, so his host stick is doing away with brokers

2167
01:57:24.640 --> 01:57:26.840
<v Speaker 2>and be able to do it yourself. There's nothing wrong

2168
01:57:26.840 --> 01:57:29.000
<v Speaker 2>with you yourself. But I'm going to tell you something.

2169
01:57:29.520 --> 01:57:33.600
<v Speaker 2>There's way more to it, way more to it than

2170
01:57:33.680 --> 01:57:35.920
<v Speaker 2>putting up a sign. And I will tell you this.

2171
01:57:36.680 --> 01:57:39.239
<v Speaker 2>That guy was talking about a lot of realtors that

2172
01:57:39.359 --> 01:57:41.840
<v Speaker 2>I and I agree with him on it, that there are.

2173
01:57:42.439 --> 01:57:44.920
<v Speaker 2>I used to have this expression. Somebody said, oh, it's vulgar,

2174
01:57:44.960 --> 01:57:49.239
<v Speaker 2>don't use it listing whores. Okay, now I know it's.

2175
01:57:49.880 --> 01:57:53.039
<v Speaker 2>What I mean is they list list list list list,

2176
01:57:53.520 --> 01:57:56.520
<v Speaker 2>put signs up and do nothing, and they let other

2177
01:57:56.640 --> 01:57:59.279
<v Speaker 2>people sell the homes they're listing horse. They do nothing

2178
01:57:59.399 --> 01:58:03.039
<v Speaker 2>proactive to sell their own listings. They all they do

2179
01:58:03.680 --> 01:58:05.880
<v Speaker 2>is put their yards sign is as many yards as

2180
01:58:05.920 --> 01:58:09.439
<v Speaker 2>they can, hoping that other people do the work for them. Now,

2181
01:58:09.840 --> 01:58:12.760
<v Speaker 2>there are still people like that, you know there are.

2182
01:58:13.079 --> 01:58:15.479
<v Speaker 5>That's not how I operate, well, of course not.

2183
01:58:15.640 --> 01:58:17.600
<v Speaker 2>Of course, you wouldn't be here if you know, no, no, no, no.

2184
01:58:17.800 --> 01:58:20.880
<v Speaker 6>But one thing that I always do, and kind of

2185
01:58:20.960 --> 01:58:23.800
<v Speaker 6>a mantra of myself, is you know, it's service over sales.

2186
01:58:24.239 --> 01:58:26.800
<v Speaker 6>So rather than that numbers game, I'm looking to put

2187
01:58:26.880 --> 01:58:29.560
<v Speaker 6>my clients in the best possible position that I can,

2188
01:58:29.680 --> 01:58:32.520
<v Speaker 6>and I guide them throughout that entire position, besides my

2189
01:58:32.640 --> 01:58:35.279
<v Speaker 6>marketing plan, besides the reach that I have, you know,

2190
01:58:35.359 --> 01:58:38.239
<v Speaker 6>with the company I have backing me because we've got

2191
01:58:38.279 --> 01:58:40.800
<v Speaker 6>some fabulous marketing tools, which is ultimately why I'm at

2192
01:58:40.840 --> 01:58:41.560
<v Speaker 6>Cold World Banker.

2193
01:58:42.439 --> 01:58:44.720
<v Speaker 2>No, no, look at well. I think guys that list

2194
01:58:44.840 --> 01:58:47.000
<v Speaker 2>a home and do nothing, the hell with them. And

2195
01:58:47.640 --> 01:58:50.880
<v Speaker 2>you know, but I've seen what a good broker can do,

2196
01:58:51.039 --> 01:58:54.279
<v Speaker 2>and they almost always get way more money. But not

2197
01:58:54.399 --> 01:58:56.720
<v Speaker 2>only that, they know how to negotiate. I have a

2198
01:58:56.800 --> 01:58:59.880
<v Speaker 2>buyer broker right now in North Carolina. I shouldn't say that,

2199
01:59:00.000 --> 01:59:03.600
<v Speaker 2>but it's in North Carolina. And the reason I say

2200
01:59:03.640 --> 01:59:06.279
<v Speaker 2>that is I agreed to keep quiet on my areas

2201
01:59:06.319 --> 01:59:09.039
<v Speaker 2>we bought into with vester Era. So I have Vestera

2202
01:59:09.119 --> 01:59:13.399
<v Speaker 2>Turnkey and Vesarah Turnkey helps people become landlords in markets

2203
01:59:13.520 --> 01:59:17.840
<v Speaker 2>right with promising equity, good rents. And I started with

2204
01:59:18.239 --> 01:59:21.119
<v Speaker 2>my Wave eight Wealth Management, I had people that wanted

2205
01:59:21.159 --> 01:59:23.119
<v Speaker 2>to do Vestera, but they didn't want to do it alone.

2206
01:59:23.520 --> 01:59:26.359
<v Speaker 2>They want in other words, and Barry, because he's not

2207
01:59:26.439 --> 01:59:29.319
<v Speaker 2>a securities broker, he can't do he can't pull money.

2208
01:59:30.319 --> 01:59:33.800
<v Speaker 2>So what I did was started some outside business interests

2209
01:59:33.840 --> 01:59:37.000
<v Speaker 2>from Wave eight and I did separate LLCs where we

2210
01:59:37.199 --> 01:59:40.000
<v Speaker 2>own a property. So these are people that want to

2211
01:59:40.039 --> 01:59:43.000
<v Speaker 2>be part of turnkey, but they don't want to make

2212
01:59:43.079 --> 01:59:45.000
<v Speaker 2>the whole investment themselves, and they don't want to be

2213
01:59:45.079 --> 01:59:47.399
<v Speaker 2>on the hook for a loan. So I do the LLC,

2214
01:59:47.640 --> 01:59:50.000
<v Speaker 2>I take out the loan, and I gather people who

2215
01:59:50.079 --> 01:59:52.399
<v Speaker 2>want to invest less. I have a buyer broker. I

2216
01:59:52.560 --> 01:59:55.960
<v Speaker 2>swear to God that this guy, I have never seen

2217
01:59:56.039 --> 01:59:57.800
<v Speaker 2>this level of starch. Now I'm not saying here, I've

2218
01:59:57.840 --> 01:59:59.880
<v Speaker 2>never used you as a buyer. Listen to what he did.

2219
02:00:00.399 --> 02:00:03.000
<v Speaker 2>He lines it up, he does negotiating, He makes the offers.

2220
02:00:03.479 --> 02:00:06.079
<v Speaker 2>He then lines up the inspection, He lines up the

2221
02:00:07.079 --> 02:00:11.039
<v Speaker 2>people to mitigate inspections, He lines up the appraiser. He

2222
02:00:11.199 --> 02:00:14.359
<v Speaker 2>does everything. I don't do anything. I mean nothing. He

2223
02:00:14.560 --> 02:00:17.880
<v Speaker 2>just sends me docu signed documents. Those people to me

2224
02:00:18.399 --> 02:00:23.079
<v Speaker 2>are worth every single penny, every single penny. Yeah, we

2225
02:00:23.199 --> 02:00:24.600
<v Speaker 2>do a lot, Dmitri, did you.

2226
02:00:24.640 --> 02:00:26.720
<v Speaker 12>Want Yeah, well I do have a question for Stephanie.

2227
02:00:26.720 --> 02:00:28.520
<v Speaker 12>If this is an appropriate time, yeah, let's.

2228
02:00:28.359 --> 02:00:30.319
<v Speaker 2>Do it right after the break. Give the question and

2229
02:00:30.439 --> 02:00:31.119
<v Speaker 2>we'll come back to it.

2230
02:00:32.079 --> 02:00:34.720
<v Speaker 12>Well, you'll take me a minute to even first, Okay.

2231
02:00:34.520 --> 02:00:36.520
<v Speaker 2>Then here's what we'll do. We'll come back to that more.

2232
02:00:37.000 --> 02:00:38.880
<v Speaker 2>Get your calls in three oh three seven on three eight,

2233
02:00:38.920 --> 02:00:41.159
<v Speaker 2>two five five A spirited discussion on real estate. And

2234
02:00:41.199 --> 02:00:43.319
<v Speaker 2>I want to look into more of that guy in

2235
02:00:43.479 --> 02:00:45.920
<v Speaker 2>Boulder who wants to disrupt the industry. I'm gonna listen

2236
02:00:45.960 --> 02:00:48.039
<v Speaker 2>to some of his social and see if I can

2237
02:00:48.079 --> 02:00:49.359
<v Speaker 2>play one or two of them on the air. We

2238
02:00:49.479 --> 02:00:57.920
<v Speaker 2>got more coming right up. Go with a sure thing

2239
02:00:58.079 --> 02:01:01.439
<v Speaker 2>Denver's best rufer exceling dot com. You don't pay a

2240
02:01:01.600 --> 02:01:08.000
<v Speaker 2>cent until you're content. Time for an insurance checkup free,

2241
02:01:08.159 --> 02:01:11.840
<v Speaker 2>no obligation. In comparison, call Compass Insurance paying too much

2242
02:01:12.000 --> 02:01:14.880
<v Speaker 2>your coverage at dozens of insurance companies find out now

2243
02:01:15.000 --> 02:01:17.279
<v Speaker 2>three all three seven to seven to one help. You'll

2244
02:01:17.319 --> 02:01:20.039
<v Speaker 2>think you're his only customer when you choose Frank durand

2245
02:01:20.079 --> 02:01:22.479
<v Speaker 2>the real Estate Man dot com to list your home

2246
02:01:22.720 --> 02:01:25.880
<v Speaker 2>with Remax Alliance three all three nine two zero sixteen

2247
02:01:25.960 --> 02:01:30.840
<v Speaker 2>twenty two. Hi Tom Martino here at three oh three

2248
02:01:30.920 --> 02:01:32.800
<v Speaker 2>seven one three talks seven one three eight two five

2249
02:01:32.800 --> 02:01:35.640
<v Speaker 2>to five. So I happened across the social media of

2250
02:01:35.640 --> 02:01:38.199
<v Speaker 2>a guy started a company called Ridley and he wants

2251
02:01:38.239 --> 02:01:40.720
<v Speaker 2>to disrupt the real estate industry. He's not the first

2252
02:01:40.800 --> 02:01:42.239
<v Speaker 2>one and want to do that. And I'm not putting

2253
02:01:42.279 --> 02:01:44.359
<v Speaker 2>this guy down, by the way, but somebody texted me

2254
02:01:44.399 --> 02:01:46.439
<v Speaker 2>about him and said what he's doing. He has an

2255
02:01:46.479 --> 02:01:49.720
<v Speaker 2>AI assisted company, and if the truth be known, everyone

2256
02:01:49.800 --> 02:01:54.199
<v Speaker 2>has AI assisted companies right now. But apparently he wants

2257
02:01:54.239 --> 02:01:57.319
<v Speaker 2>to disrupt it. He believes that real estate people are

2258
02:01:57.399 --> 02:02:00.439
<v Speaker 2>not doing their job. Now, I'll grant you there, there

2259
02:02:00.560 --> 02:02:02.960
<v Speaker 2>is something to be said about listing whorees that put

2260
02:02:03.680 --> 02:02:05.439
<v Speaker 2>All they do is list as many homes as they

2261
02:02:05.479 --> 02:02:07.800
<v Speaker 2>can and play the odds and have other people sell them.

2262
02:02:08.000 --> 02:02:10.840
<v Speaker 2>There are people that don't do their job, Sephanie Thomas,

2263
02:02:11.159 --> 02:02:13.680
<v Speaker 2>you know you and Frank are an exception. You really

2264
02:02:13.760 --> 02:02:16.520
<v Speaker 2>are not just saying this, but truly, there are real

2265
02:02:16.640 --> 02:02:18.600
<v Speaker 2>estate people that give your industry a bad name, right,

2266
02:02:19.000 --> 02:02:20.159
<v Speaker 2>I mean, they don't do their job.

2267
02:02:20.359 --> 02:02:22.880
<v Speaker 6>There are some, and there are you know, but there

2268
02:02:22.920 --> 02:02:25.199
<v Speaker 6>also are some very amazing advocates.

2269
02:02:25.279 --> 02:02:27.279
<v Speaker 2>No, now, I want to play this one thing right

2270
02:02:27.319 --> 02:02:28.680
<v Speaker 2>here is little secret for you.

2271
02:02:30.039 --> 02:02:33.520
<v Speaker 20>Real estate agents are not lawyers, even though many like

2272
02:02:33.560 --> 02:02:35.520
<v Speaker 20>to pretend like they are. One of the biggest fears

2273
02:02:35.520 --> 02:02:37.279
<v Speaker 20>that I've heard from this community as to why they

2274
02:02:37.399 --> 02:02:37.720
<v Speaker 20>choose No.

2275
02:02:37.880 --> 02:02:42.520
<v Speaker 2>Now, I want to say something about that. Actually, in Colorado,

2276
02:02:43.199 --> 02:02:47.560
<v Speaker 2>in the statute where that deals with licensing of real

2277
02:02:47.640 --> 02:02:51.520
<v Speaker 2>estate brokers, it actually says that real estate brokers in

2278
02:02:51.560 --> 02:02:54.600
<v Speaker 2>the state of Colorado have a limited practice of law

2279
02:02:55.159 --> 02:02:58.319
<v Speaker 2>having to do with the transaction at hand. They literally

2280
02:02:58.520 --> 02:03:04.680
<v Speaker 2>are licensed to practice limited law for the negotiation and

2281
02:03:04.880 --> 02:03:08.640
<v Speaker 2>process and consultation of the contract. Did you ever read that?

2282
02:03:08.880 --> 02:03:12.119
<v Speaker 2>Did you ever read that? Yes, and people don't understand that.

2283
02:03:12.239 --> 02:03:17.840
<v Speaker 2>But they actually can act as lawyers for that transaction

2284
02:03:18.600 --> 02:03:20.279
<v Speaker 2>and their client's best interest.

2285
02:03:20.840 --> 02:03:24.319
<v Speaker 6>Yes, we can write contracts right within those states and

2286
02:03:24.399 --> 02:03:28.039
<v Speaker 6>negotiate them and rewrite them, and do get and advise

2287
02:03:28.119 --> 02:03:29.039
<v Speaker 6>them on the contract.

2288
02:03:29.119 --> 02:03:29.479
<v Speaker 8>We can.

2289
02:03:29.880 --> 02:03:32.960
<v Speaker 6>Our contract also does stipulate and say that it is

2290
02:03:33.039 --> 02:03:35.520
<v Speaker 6>a legal document and that we are not an actual attorney.

2291
02:03:35.640 --> 02:03:35.720
<v Speaker 2>Right.

2292
02:03:35.840 --> 02:03:36.680
<v Speaker 5>They can have them.

2293
02:03:36.640 --> 02:03:38.960
<v Speaker 20>Reviewed, right of course, and they should, in my opinion,

2294
02:03:39.039 --> 02:03:42.039
<v Speaker 20>ought to represent themselves in a real estate transaction is a.

2295
02:03:42.039 --> 02:03:43.479
<v Speaker 2>Legal risk, and I get it.

2296
02:03:43.720 --> 02:03:48.039
<v Speaker 20>Contracts, disclosures, contingencies, it all sounds like a total minefield.

2297
02:03:48.399 --> 02:03:49.359
<v Speaker 2>But here's the reality.

2298
02:03:50.039 --> 02:03:53.399
<v Speaker 20>Most real estate contracts are just standardized templates. Agents are

2299
02:03:53.479 --> 02:03:55.239
<v Speaker 20>not drafting big legal agreements.

2300
02:03:55.439 --> 02:03:55.880
<v Speaker 2>That's true.

2301
02:03:56.479 --> 02:03:58.640
<v Speaker 5>Yes, we do have a standard contract that we fill out.

2302
02:03:58.520 --> 02:04:01.399
<v Speaker 6>And then you have additional provisions, provisions we write things.

2303
02:04:01.560 --> 02:04:04.560
<v Speaker 2>Okay, so by the way, let me just turn them off.

2304
02:04:04.760 --> 02:04:08.199
<v Speaker 2>I like people who want to improve industries and stuff,

2305
02:04:08.479 --> 02:04:10.920
<v Speaker 2>but I don't see, really the real estate industry is

2306
02:04:11.000 --> 02:04:13.479
<v Speaker 2>being broken right now. I just feel like there's a

2307
02:04:13.520 --> 02:04:15.439
<v Speaker 2>lot of people that don't do their job. But what

2308
02:04:15.560 --> 02:04:18.279
<v Speaker 2>can you do about that? You weed them out. A

2309
02:04:18.359 --> 02:04:20.960
<v Speaker 2>lot of people go with friends and friends. They don't

2310
02:04:21.039 --> 02:04:25.840
<v Speaker 2>actually investigate a real estate broker. They don't investigate the

2311
02:04:26.079 --> 02:04:30.039
<v Speaker 2>track record. So the question is how do you do that?

2312
02:04:30.600 --> 02:04:34.039
<v Speaker 2>How do you do it? So let's ask how would

2313
02:04:34.079 --> 02:04:36.479
<v Speaker 2>you check out a real estate person? Am I allowed

2314
02:04:36.560 --> 02:04:40.000
<v Speaker 2>to ask? I'd like to know the last ten people

2315
02:04:40.079 --> 02:04:43.920
<v Speaker 2>you've closed, and can you ask about their performance? Of

2316
02:04:43.960 --> 02:04:45.640
<v Speaker 2>course you can, right, I.

2317
02:04:45.640 --> 02:04:47.399
<v Speaker 5>Don't know that I would give out names without my

2318
02:04:47.439 --> 02:04:49.159
<v Speaker 5>client situation.

2319
02:04:49.600 --> 02:04:52.439
<v Speaker 2>How about days on market? What did you sell it

2320
02:04:52.560 --> 02:04:54.279
<v Speaker 2>for what was the asking price?

2321
02:04:54.399 --> 02:04:56.840
<v Speaker 6>Things like that, Yeah, you know, and for me personally

2322
02:04:56.960 --> 02:05:01.399
<v Speaker 6>in that arena, I take on such a diverse I

2323
02:05:01.439 --> 02:05:06.359
<v Speaker 6>guess property types and special circumstances. So sometimes like just

2324
02:05:06.800 --> 02:05:10.760
<v Speaker 6>you know, my statistics and things are not always you know,

2325
02:05:10.880 --> 02:05:11.520
<v Speaker 6>I take.

2326
02:05:11.479 --> 02:05:14.960
<v Speaker 2>They're not always at they're not always sale because.

2327
02:05:14.720 --> 02:05:18.199
<v Speaker 6>I'm taking on homes that are going to be more difficult, right.

2328
02:05:18.640 --> 02:05:20.439
<v Speaker 5>But one thing that I do, even in.

2329
02:05:20.520 --> 02:05:22.920
<v Speaker 6>That type of an instance is I am keeping my

2330
02:05:23.039 --> 02:05:27.119
<v Speaker 6>client fully in fold. I'm giving them, you know, updates

2331
02:05:27.159 --> 02:05:30.359
<v Speaker 6>on views. I mean, it's a process in working with me.

2332
02:05:30.560 --> 02:05:32.640
<v Speaker 6>I'm not the agent that disappears.

2333
02:05:32.199 --> 02:05:34.680
<v Speaker 5>And you hear you see me put a sign up

2334
02:05:34.720 --> 02:05:36.720
<v Speaker 5>and I show up at clothes. It's not how it works.

2335
02:05:36.840 --> 02:05:41.359
<v Speaker 2>Now, somebody asks, really, if you don't have a real

2336
02:05:41.520 --> 02:05:43.880
<v Speaker 2>estate broker and you do it for sale by owner,

2337
02:05:44.199 --> 02:05:46.840
<v Speaker 2>how do you deal with other agents? And that's a

2338
02:05:46.880 --> 02:05:50.119
<v Speaker 2>good question. So you would have to when you advertise

2339
02:05:50.239 --> 02:05:53.159
<v Speaker 2>probably say what something about a co op or not?

2340
02:05:53.399 --> 02:05:55.800
<v Speaker 2>I mean like like do you shy away from for

2341
02:05:55.880 --> 02:05:58.000
<v Speaker 2>sale by owners? Now, if you are a buyer broker

2342
02:05:58.319 --> 02:06:00.760
<v Speaker 2>and you see somebody selling a house, do you think

2343
02:06:00.800 --> 02:06:02.439
<v Speaker 2>to yourself, I want to stay away from that.

2344
02:06:03.000 --> 02:06:03.479
<v Speaker 8>Not at all.

2345
02:06:04.239 --> 02:06:06.840
<v Speaker 6>If it's the house that fits my client's needs, then

2346
02:06:07.000 --> 02:06:07.479
<v Speaker 6>I would have.

2347
02:06:07.640 --> 02:06:09.920
<v Speaker 2>How does that work? You negotiate with the owner then.

2348
02:06:09.880 --> 02:06:13.000
<v Speaker 6>Directly, I would so keep in mind, I've already negotiated

2349
02:06:13.039 --> 02:06:15.159
<v Speaker 6>with my buyer what my commission is going to look

2350
02:06:15.239 --> 02:06:18.720
<v Speaker 6>like in my contract, right and I have that's between

2351
02:06:18.800 --> 02:06:19.760
<v Speaker 6>my buyer and myself.

2352
02:06:19.880 --> 02:06:22.439
<v Speaker 5>So then I would go to this owner of this home.

2353
02:06:22.479 --> 02:06:25.279
<v Speaker 6>I would disclose my position as my client's agent, because

2354
02:06:25.319 --> 02:06:26.680
<v Speaker 6>we have to make a formula.

2355
02:06:26.840 --> 02:06:29.720
<v Speaker 2>I'm representing this person who's interested in your house? Now

2356
02:06:29.800 --> 02:06:30.840
<v Speaker 2>do you ask the seller?

2357
02:06:30.920 --> 02:06:33.159
<v Speaker 6>Would ask them, you know, are you willing to pay

2358
02:06:33.640 --> 02:06:36.800
<v Speaker 6>to cover any commissions? Because I do, you know, depending

2359
02:06:36.840 --> 02:06:38.680
<v Speaker 6>on the agreement, I have to get my agent or

2360
02:06:38.800 --> 02:06:39.760
<v Speaker 6>my buyer.

2361
02:06:39.800 --> 02:06:42.840
<v Speaker 2>I don't have to inform them, So okay, Dmitri Deputy

2362
02:06:42.920 --> 02:06:45.239
<v Speaker 2>d had a question he wanted to give to Stephanie.

2363
02:06:45.279 --> 02:06:47.000
<v Speaker 14>Go ahead, Stephanie, it's so nice to have a real

2364
02:06:47.079 --> 02:06:50.520
<v Speaker 14>estate professional to ask all these questions. Go ahead here, Hey,

2365
02:06:50.960 --> 02:06:53.479
<v Speaker 14>Not long ago, I went looked at some five acre

2366
02:06:53.600 --> 02:06:56.159
<v Speaker 14>properties kind of like around the Sedalia area much to

2367
02:06:56.159 --> 02:06:59.680
<v Speaker 14>build a home. And I drove past a property that

2368
02:06:59.800 --> 02:07:02.079
<v Speaker 14>was neighboring one that I was looking at, and it

2369
02:07:02.199 --> 02:07:05.399
<v Speaker 14>was a beautiful home built on like a modern, very

2370
02:07:05.479 --> 02:07:07.800
<v Speaker 14>stately home. And I was surprised to see a couple

2371
02:07:07.800 --> 02:07:09.880
<v Speaker 14>of cows hanging around in the back of the house.

2372
02:07:10.560 --> 02:07:12.760
<v Speaker 14>And I was told and as I drove around the neighborhood,

2373
02:07:12.760 --> 02:07:15.800
<v Speaker 14>I saw miniature donkeys things like that, And somebody told

2374
02:07:15.840 --> 02:07:19.039
<v Speaker 14>me that's because these homes or these properties get some

2375
02:07:19.199 --> 02:07:23.600
<v Speaker 14>sort of an ag taxation level as opposed to a

2376
02:07:23.680 --> 02:07:26.000
<v Speaker 14>regular residential taxation level.

2377
02:07:26.439 --> 02:07:27.359
<v Speaker 2>How does this work?

2378
02:07:27.479 --> 02:07:29.399
<v Speaker 5>That's going to be something. Honestly, you're going to have

2379
02:07:29.479 --> 02:07:30.800
<v Speaker 5>to talk with the county directory.

2380
02:07:30.880 --> 02:07:33.920
<v Speaker 2>I can't what were you. I wasn't paying attention. I

2381
02:07:34.000 --> 02:07:36.239
<v Speaker 2>was reading a text. You're you're asking, how do you

2382
02:07:36.399 --> 02:07:37.840
<v Speaker 2>change the nature of the zoning?

2383
02:07:37.920 --> 02:07:38.439
<v Speaker 18>Well, no, I was.

2384
02:07:38.680 --> 02:07:40.920
<v Speaker 14>So I saw a couple of cows hanging out behind

2385
02:07:40.960 --> 02:07:43.760
<v Speaker 14>a three million dollar home, and I was told that

2386
02:07:43.920 --> 02:07:47.039
<v Speaker 14>it was probably because they added the cows in order

2387
02:07:47.119 --> 02:07:48.880
<v Speaker 14>for that property to qualify first.

2388
02:07:49.039 --> 02:07:51.880
<v Speaker 2>Now ag land, No, that's not true. No, here that works.

2389
02:07:51.920 --> 02:07:53.600
<v Speaker 2>Let me explain this to you. You don't ever have

2390
02:07:53.680 --> 02:07:56.439
<v Speaker 2>to have a cattle, any cattle to be agg if

2391
02:07:56.479 --> 02:07:59.000
<v Speaker 2>it's zone at its own act, you go on there,

2392
02:07:59.039 --> 02:08:00.880
<v Speaker 2>you don't have to do anything. You don't have to

2393
02:08:00.920 --> 02:08:02.800
<v Speaker 2>buy cows, you don't have to do that's a misnomer

2394
02:08:02.960 --> 02:08:07.119
<v Speaker 2>or a misunderstanding. So how do you can go from

2395
02:08:07.520 --> 02:08:11.520
<v Speaker 2>residential to agricultural? If you are big enough and fit

2396
02:08:11.640 --> 02:08:14.439
<v Speaker 2>all the criteria, and then you have to go or criteria,

2397
02:08:14.640 --> 02:08:16.359
<v Speaker 2>you have to go around to the neighbors and get

2398
02:08:16.399 --> 02:08:20.039
<v Speaker 2>the adjacent property owners, and it's a zoning change. Very

2399
02:08:20.159 --> 02:08:24.039
<v Speaker 2>seldom do people go from regular residential to agriculture. Usually

2400
02:08:24.520 --> 02:08:27.800
<v Speaker 2>the agriculture and residential areas have been preset in a

2401
02:08:27.920 --> 02:08:31.119
<v Speaker 2>masterplan and zoning and they stay that way. So if

2402
02:08:31.159 --> 02:08:34.279
<v Speaker 2>you move into an ag property and you don't use

2403
02:08:34.359 --> 02:08:37.039
<v Speaker 2>it for ag you're not going to have it taken away. Oh,

2404
02:08:38.119 --> 02:08:41.119
<v Speaker 2>they don't take it away. It's an ag property. Now,

2405
02:08:41.319 --> 02:08:43.920
<v Speaker 2>in some cases, when you try to become ag you

2406
02:08:44.039 --> 02:08:46.880
<v Speaker 2>have to show an agricultural purpose, which is weird. But

2407
02:08:47.039 --> 02:08:48.760
<v Speaker 2>you don't have to do it the other way around.

2408
02:08:48.800 --> 02:08:50.960
<v Speaker 2>You don't have to do it to maintain it and

2409
02:08:51.079 --> 02:08:54.119
<v Speaker 2>to keep it. Very seldom will the taxing authorities bother

2410
02:08:54.239 --> 02:08:56.840
<v Speaker 2>you saying, by the way, you don't have any cattle here,

2411
02:08:56.920 --> 02:08:59.720
<v Speaker 2>why are you paying agricultural taxes? Because I'm in an

2412
02:08:59.720 --> 02:09:03.920
<v Speaker 2>agri cultural area. And I've dealt with this for so

2413
02:09:04.079 --> 02:09:08.239
<v Speaker 2>many years. When I developed subdivisions, we had agricultural zoning.

2414
02:09:08.319 --> 02:09:10.960
<v Speaker 2>We had thirty five acres lots, and people paid very

2415
02:09:11.039 --> 02:09:13.840
<v Speaker 2>low taxes compared to the amount of home and everything

2416
02:09:13.840 --> 02:09:16.279
<v Speaker 2>they were putting on there. So it was a benefit

2417
02:09:16.359 --> 02:09:19.600
<v Speaker 2>to have agricultural zoning. But you don't go there and

2418
02:09:19.840 --> 02:09:23.279
<v Speaker 2>change it to agricultural easily, and a couple of cows

2419
02:09:23.279 --> 02:09:27.760
<v Speaker 2>won't do it either. But one of the easiest ways

2420
02:09:27.760 --> 02:09:32.239
<v Speaker 2>to get agricultural zoning would have adjacent property that's already agricultural.

2421
02:09:32.680 --> 02:09:35.319
<v Speaker 2>Then you have the neighbors who say, yeah, fine, because

2422
02:09:35.359 --> 02:09:38.840
<v Speaker 2>then you have your land is opened up for grazing

2423
02:09:39.039 --> 02:09:40.039
<v Speaker 2>unless you fence them out.

2424
02:09:40.159 --> 02:09:41.840
<v Speaker 14>Oh and then would I have to go out and

2425
02:09:41.880 --> 02:09:45.359
<v Speaker 14>buy some animals. No, oh no, you can just if

2426
02:09:45.359 --> 02:09:46.159
<v Speaker 14>you're adjacent.

2427
02:09:46.319 --> 02:09:50.800
<v Speaker 2>If you're adjacent to agricultural property, you can have grazing land.

2428
02:09:50.880 --> 02:09:52.960
<v Speaker 2>You don't have to have the you don't have to

2429
02:09:53.119 --> 02:09:55.800
<v Speaker 2>have cattle to have grazing land. And because of the

2430
02:09:55.880 --> 02:09:58.520
<v Speaker 2>fence out provisions in the state, which says if you

2431
02:09:58.600 --> 02:10:00.920
<v Speaker 2>want to keep cattle from great, you got to fence

2432
02:10:00.960 --> 02:10:03.520
<v Speaker 2>him out. Then you just tell your neighbors, by the way.

2433
02:10:03.479 --> 02:10:03.960
<v Speaker 9>Have at it.

2434
02:10:04.640 --> 02:10:07.600
<v Speaker 12>Oh what if my neighbors don't have any cows, Well.

2435
02:10:07.520 --> 02:10:11.159
<v Speaker 2>Then it doesn't matter. They very seldom get into the weeds,

2436
02:10:11.239 --> 02:10:13.920
<v Speaker 2>no pun intended. It's just about the actual use of

2437
02:10:14.000 --> 02:10:17.640
<v Speaker 2>the property. Now sometimes they can. They might be getting

2438
02:10:17.640 --> 02:10:20.720
<v Speaker 2>more straight because they don't want to lose uh the

2439
02:10:20.800 --> 02:10:24.079
<v Speaker 2>test revenue. Yes, go with a sure thing Denver's best

2440
02:10:24.159 --> 02:10:27.000
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

2441
02:10:27.239 --> 02:10:34.000
<v Speaker 2>until you're content. Time for an insurance checkup free, no obligation.

2442
02:10:34.079 --> 02:10:37.880
<v Speaker 2>In comparison, call Compass Insurance. Pay too much your coverage

2443
02:10:37.920 --> 02:10:40.560
<v Speaker 2>at dozens of insurance companies find out now three all

2444
02:10:40.640 --> 02:10:42.960
<v Speaker 2>three seven to seven to one help. You'll think you're

2445
02:10:43.039 --> 02:10:45.560
<v Speaker 2>his only customer when you choose Frank durand the real

2446
02:10:45.640 --> 02:10:48.600
<v Speaker 2>estate Man dot com to list your home with Remax

2447
02:10:48.680 --> 02:10:51.680
<v Speaker 2>Alliance three all three nine two zero sixteen twenty two.

2448
02:10:55.760 --> 02:10:58.479
<v Speaker 2>I'm Tom Martino, You're troubleshooter three O three seven to

2449
02:10:58.479 --> 02:11:02.279
<v Speaker 2>one three talk seven one three eight two five five.

2450
02:11:02.760 --> 02:11:08.520
<v Speaker 2>I so sympathize with people who are looking for relief

2451
02:11:08.560 --> 02:11:17.720
<v Speaker 2>from pain from these elbows, shoulders, arms, legs, back, lower back, neck,

2452
02:11:18.560 --> 02:11:22.199
<v Speaker 2>and we go to such incredible lengths. I can't tell

2453
02:11:22.239 --> 02:11:25.680
<v Speaker 2>you how much I invested in all of not all,

2454
02:11:26.000 --> 02:11:30.279
<v Speaker 2>in many of these so called solutions or cures. And

2455
02:11:30.359 --> 02:11:32.600
<v Speaker 2>I'm just going to tell you this straight up. There

2456
02:11:32.720 --> 02:11:37.960
<v Speaker 2>is no cure, no cure for arthritis. Most everything comes

2457
02:11:38.039 --> 02:11:46.319
<v Speaker 2>from inflammation. Inflammation is the first part of pain, and

2458
02:11:46.399 --> 02:11:49.119
<v Speaker 2>I'm not talking about just inflammation of one joint. I'm

2459
02:11:49.159 --> 02:11:55.079
<v Speaker 2>talking about systemic inflammation, usually caused by something called glycation,

2460
02:11:55.600 --> 02:11:59.640
<v Speaker 2>which is sugar in your blood everything. Sugar's the root

2461
02:11:59.680 --> 02:12:03.359
<v Speaker 2>of all no carbs and sugar. It's because a bowl

2462
02:12:03.399 --> 02:12:05.439
<v Speaker 2>of pasta, a bowl of sugar, and a bowl of

2463
02:12:05.479 --> 02:12:08.119
<v Speaker 2>potatoes are exactly the same. People think they're different, they're not.

2464
02:12:08.600 --> 02:12:11.720
<v Speaker 2>You may have some different times of absorption into your

2465
02:12:11.760 --> 02:12:15.279
<v Speaker 2>blood system, which can be more healthy I guess, a

2466
02:12:15.359 --> 02:12:19.079
<v Speaker 2>more healthy poison. You could have something that is absorbed

2467
02:12:19.199 --> 02:12:24.640
<v Speaker 2>slower and it has a better glycemic indexed And if

2468
02:12:24.680 --> 02:12:27.520
<v Speaker 2>you combine that with fiber, you could have a healthful

2469
02:12:27.600 --> 02:12:29.640
<v Speaker 2>food and the sugar is not going to hurt you.

2470
02:12:29.960 --> 02:12:31.279
<v Speaker 2>I don't want to get into that. What I want

2471
02:12:31.319 --> 02:12:34.560
<v Speaker 2>to say is this, So you have a combination bill

2472
02:12:35.359 --> 02:12:41.560
<v Speaker 2>of ingredients and they're all mixed, matched, and they give

2473
02:12:41.600 --> 02:12:44.560
<v Speaker 2>it a name, but it all boils down to some

2474
02:12:44.720 --> 02:12:49.279
<v Speaker 2>of the best joint and tendon support in supplements glucosamine,

2475
02:12:49.760 --> 02:12:57.880
<v Speaker 2>chondroit collagen, something called MSM it's methyl sulfony methane. And

2476
02:12:58.000 --> 02:13:03.439
<v Speaker 2>then you have omega three fatty acids. Preotine also helps,

2477
02:13:04.479 --> 02:13:09.119
<v Speaker 2>and protein, vitamin D, magnesium what you're going to find,

2478
02:13:09.359 --> 02:13:13.399
<v Speaker 2>and sometimes tumoric as anti inflammatories. So what you will

2479
02:13:13.520 --> 02:13:17.399
<v Speaker 2>find all of these are going to be mixed in

2480
02:13:17.479 --> 02:13:22.159
<v Speaker 2>a formulation and sold to you as something magical like

2481
02:13:22.399 --> 02:13:27.239
<v Speaker 2>omega xl okay. So if you're asking my opinion on

2482
02:13:27.439 --> 02:13:30.159
<v Speaker 2>any of these, I'm going to tell you they all

2483
02:13:30.520 --> 02:13:34.960
<v Speaker 2>have Literally they all have the stuff you need to

2484
02:13:35.000 --> 02:13:40.960
<v Speaker 2>support your joints and your tendons and your muscles. But

2485
02:13:41.600 --> 02:13:45.239
<v Speaker 2>you can buy the supplements on your own and pay

2486
02:13:45.359 --> 02:13:49.760
<v Speaker 2>much less than these formulations. Does that make sense to you? Bill?

2487
02:13:52.680 --> 02:13:53.359
<v Speaker 2>Is Bill still there?

2488
02:13:54.840 --> 02:13:55.039
<v Speaker 13>Yeah?

2489
02:13:55.199 --> 02:13:55.720
<v Speaker 7>Can you hear me?

2490
02:13:55.760 --> 02:13:57.560
<v Speaker 2>Ton? Hello? Yes?

2491
02:13:57.640 --> 02:13:57.960
<v Speaker 14>I can.

2492
02:13:58.279 --> 02:13:59.920
<v Speaker 2>So do you have any follow up questions?

2493
02:14:01.159 --> 02:14:05.800
<v Speaker 1>Who my brother does ostel ostel biflex?

2494
02:14:05.880 --> 02:14:09.079
<v Speaker 6>And I'm sure it's the same same answer.

2495
02:14:11.079 --> 02:14:14.840
<v Speaker 2>Well, it is what what what condition does he have?

2496
02:14:15.520 --> 02:14:17.720
<v Speaker 2>What condition it does he have? I'm not a doctor.

2497
02:14:17.760 --> 02:14:18.720
<v Speaker 2>I mean, I'm just asking.

2498
02:14:19.359 --> 02:14:20.840
<v Speaker 7>I know, I don't want to hear you're talking.

2499
02:14:21.159 --> 02:14:22.880
<v Speaker 1>Everything is everything you mentioned.

2500
02:14:23.359 --> 02:14:26.800
<v Speaker 7>I told him the best plant, the best thing is exercise.

2501
02:14:26.880 --> 02:14:28.800
<v Speaker 13>But that's that's all I can say.

2502
02:14:28.880 --> 02:14:31.640
<v Speaker 2>Well, you know again, I'm not I'm not going to

2503
02:14:31.720 --> 02:14:34.159
<v Speaker 2>pretend I know medical and medicine and health, but I

2504
02:14:34.239 --> 02:14:39.840
<v Speaker 2>will say this movement lotion. Motion is lotion. If you

2505
02:14:40.039 --> 02:14:42.359
<v Speaker 2>don't move it, and if you start catering to it,

2506
02:14:43.239 --> 02:14:47.159
<v Speaker 2>you compound your problems. Now, that doesn't mean you know

2507
02:14:47.399 --> 02:14:49.760
<v Speaker 2>if somebody has a crack or something in their hip.

2508
02:14:50.159 --> 02:14:52.199
<v Speaker 2>I don't want to tell people to work out if

2509
02:14:52.479 --> 02:14:55.279
<v Speaker 2>they shouldn't be working out, But in most cases you're right.

2510
02:14:55.920 --> 02:15:01.279
<v Speaker 2>For osteoporosis, for arthritis, for any of that movement. It

2511
02:15:01.479 --> 02:15:08.880
<v Speaker 2>helps movement and keeping yourself in motion. Also, light weight

2512
02:15:09.159 --> 02:15:14.000
<v Speaker 2>and stretching. Stretching is important to keep you limber. And

2513
02:15:14.119 --> 02:15:18.000
<v Speaker 2>then lightweights. I don't mean lightweight, but I mean weights

2514
02:15:18.119 --> 02:15:23.000
<v Speaker 2>that you can exercise the muscle and keep it fit

2515
02:15:23.640 --> 02:15:27.720
<v Speaker 2>because we're going to atrophy. I bet you bet our age,

2516
02:15:28.399 --> 02:15:30.119
<v Speaker 2>I say our age. How old are you, sir?

2517
02:15:31.520 --> 02:15:33.960
<v Speaker 7>I'm seventy six, going to be seventy seven here shortly?

2518
02:15:34.840 --> 02:15:36.720
<v Speaker 2>Okay, we're in the same group. I'm seventy one. So

2519
02:15:36.800 --> 02:15:40.960
<v Speaker 2>here's the bottom line. At our age, you atrophy. If

2520
02:15:41.000 --> 02:15:43.399
<v Speaker 2>you don't do anything, your muscles are going to deteriorate

2521
02:15:43.479 --> 02:15:46.479
<v Speaker 2>two to four percent a year just sitting there. So

2522
02:15:46.640 --> 02:15:49.000
<v Speaker 2>you want to do anything it takes. And you know

2523
02:15:49.199 --> 02:15:52.239
<v Speaker 2>here there are two exercises that are the best exercises

2524
02:15:52.319 --> 02:15:58.600
<v Speaker 2>in the entire world. One is walking, yep, and one

2525
02:15:58.720 --> 02:16:03.079
<v Speaker 2>is swimming. Out as far as walking, when they did

2526
02:16:03.199 --> 02:16:09.000
<v Speaker 2>the Blue Zone Study of longevity, they found that walking

2527
02:16:09.680 --> 02:16:13.159
<v Speaker 2>was in common with everyone who had the longest life spans.

2528
02:16:13.479 --> 02:16:18.520
<v Speaker 2>And it is not even vigorous walking, just walking. Just

2529
02:16:19.319 --> 02:16:24.439
<v Speaker 2>walking the number one most underrated exercise in the world.

2530
02:16:25.239 --> 02:16:27.439
<v Speaker 2>Speed Walking is pretty good, but it can be hard

2531
02:16:27.479 --> 02:16:30.720
<v Speaker 2>on joints. Running is not good for you, even though

2532
02:16:30.920 --> 02:16:33.440
<v Speaker 2>running enthusiasts will tell you it is. It is not

2533
02:16:33.600 --> 02:16:36.639
<v Speaker 2>good for you it artificially. It puts too much stress

2534
02:16:36.680 --> 02:16:40.719
<v Speaker 2>on your joints and on everything. So again, you know,

2535
02:16:40.920 --> 02:16:42.719
<v Speaker 2>if people love it as a passion, I'm not going

2536
02:16:42.760 --> 02:16:44.760
<v Speaker 2>to tell them not to do it. Cycling is a

2537
02:16:44.840 --> 02:16:48.479
<v Speaker 2>wonderful form of exercise as well. But what you should

2538
02:16:48.520 --> 02:16:50.639
<v Speaker 2>do you go to a whole foods or you go

2539
02:16:50.760 --> 02:16:54.120
<v Speaker 2>somewhere where they have supplements or I like life extension

2540
02:16:54.719 --> 02:16:58.879
<v Speaker 2>I think it's called Life Extension online or Amazon, and

2541
02:16:59.040 --> 02:17:03.639
<v Speaker 2>you order, you order the substances that are known to

2542
02:17:03.799 --> 02:17:07.959
<v Speaker 2>support joints and tendons and muscles, and you can look

2543
02:17:08.000 --> 02:17:10.760
<v Speaker 2>that up anywhere, just google it and then get a

2544
02:17:10.799 --> 02:17:15.719
<v Speaker 2>few of these substances. Yeah. So so bottom line, Bill,

2545
02:17:16.120 --> 02:17:19.760
<v Speaker 2>don't don't fall for these fricking cures and magic formulas.

2546
02:17:19.799 --> 02:17:23.719
<v Speaker 2>I can't stand them. And you know what, I really

2547
02:17:24.159 --> 02:17:27.600
<v Speaker 2>I know. Relief Factor is a really really big advertiser

2548
02:17:27.959 --> 02:17:30.920
<v Speaker 2>on all radio and some of my affiliates and some

2549
02:17:31.040 --> 02:17:32.920
<v Speaker 2>of my people might be upset with me saying this,

2550
02:17:33.319 --> 02:17:36.000
<v Speaker 2>but there's nothing magical about it. Thank you for calling

2551
02:17:36.040 --> 02:17:38.120
<v Speaker 2>three oh three, seven to one, three talks seven one

2552
02:17:38.159 --> 02:17:39.399
<v Speaker 2>three eight two five five