Speaker 1: Yea ripped off news.
Speaker 2: Need advice, so you don't.
Speaker 3: Have come running. Just as fast as we can, Shooter's
Speaker 3: gonna help come man, This is.
Speaker 1: The Troubleshooter Show.
Speaker 4: No Tom Martino, Hello Tom Martino here, Welcome to the show.
Speaker 4: Three zero three seven to one three talk seven one
Speaker 4: three eight two five five. Here to help you solve problems,
Speaker 4: answer questions, take complaints, and make your life just a
Speaker 4: little easier. Today we're gonna be talking a bunch of stuff,
Speaker 4: but here's the bottom line. Today is all about personal economy,
Speaker 4: what we're living with, what to do about it, and
Speaker 4: also real estate and anything near and dear to.
Speaker 5: Your heart in pocabook.
Speaker 4: But personal economy that means keeping more of the money
Speaker 4: you earn, earning more money if you can, avoiding scams,
Speaker 4: lyar sheets, rip offs, and getting them almost value. Our
Speaker 4: biggest problem is, and I don't know how to put this,
Speaker 4: but I swear to you I've tracked it. During the
Speaker 4: last couple of recessions. I lived through two of them.
Speaker 4: I mean more than that, probably, but two major ones
Speaker 4: that I remember in my life, actually three. When I
Speaker 4: first came here to Colorado in nineteen eighty, we were
Speaker 4: going into a recession, somewhat of a recession in the eighties.
Speaker 4: Then we had one in a two thousand and eight. Well,
Speaker 4: maybe there were just two. That two thousand and eight
Speaker 4: was the next big one.
Speaker 1: So the problem with.
Speaker 4: Recession is that it's brought on by the perception of
Speaker 4: reception of recession. People anticipated therefore put off making certain purchases,
Speaker 4: maybe puts off certain things, and people get a little hesitant.
Speaker 4: Let me give you an example how hesitation can create
Speaker 4: a problem that's not there. If you have a major
Speaker 4: crash on a highway, people slowing down to watch, and
Speaker 4: it has a ripple effect through traffic. That wreck has
Speaker 4: a ripple effect and it's actually a wave, and as
Speaker 4: traffic slows down, it comes to a stop, then starts
Speaker 4: up again. There's a major traffic jam right before that
Speaker 4: spot and right at that spot, even after the accident
Speaker 4: is removed. In fact, it can be for any reason.
Speaker 4: If people slow down, it's going to cause a traffic jam,
Speaker 4: no matter what, if there's nothing causing it. But people
Speaker 4: think they should slow down. People think they should stop
Speaker 4: spending a lot. People think, well, we're going into a recession,
Speaker 4: therefore I must sell off my stock I must go
Speaker 4: to cash, I must stop buying major purchases. As people
Speaker 4: think that, more and more people think it, it becomes
Speaker 4: a reality.
Speaker 5: It is totally perceptionomics. I talked about perception on HIMS
Speaker 5: back in two thousand and eight.
Speaker 4: It did not have to happen. It was literally brought
Speaker 4: on by the fear. Recession was brought on by the
Speaker 4: fear of recession, just like a panic attack becomes a
Speaker 4: thing unto itself. Fear fear, you fear losing control. And
Speaker 4: that's really what's going on when it comes to the economy.
Speaker 4: People fear, people hold off. I have Frank brand in
Speaker 4: the real estate man with me today. Frank, your headsets
Speaker 4: right there, bro. So anyway, I'm sorry to toss that.
Speaker 4: I want to ask you something, Frank. Do you find
Speaker 4: perception omics? Does it play a role in real estate?
Speaker 5: Right now? Hey Tom, good morning.
Speaker 6: You know something, every recession, except for two thousand and eight,
Speaker 6: which was housing driven, has lowered interest rates. So what
Speaker 6: a lot of people don't realize is when rates drop
Speaker 6: like that, it makes homes more affordable, and ultimately that
Speaker 6: strengthens the prices. So I think a lot of that too.
Speaker 6: Besides two thousand and eight tends to help with interest rates.
Speaker 4: Okay, but I'm not talking about an actual perception, but
Speaker 4: the fear of a reception. Do you find customers now
Speaker 4: waiting because they're not sure what the economy is going
Speaker 4: to do?
Speaker 6: They get hesitant, Tom, because I get a lot of
Speaker 6: calls from people they say, Frank, what do you think
Speaker 6: I should do?
Speaker 5: When's the best time to sell and buy?
Speaker 6: And you send some hesitation from certain people and they say, yeah,
Speaker 6: I think we're gonna wait and see what happens here
Speaker 6: with rates, or wait and see what happens here with
Speaker 6: the economy.
Speaker 5: So I do hear it quite a bit of that.
Speaker 4: Tom, All right, So bottom line is there's no reason
Speaker 4: to wait. Our price is up down all around. Where
Speaker 4: are they, Frank?
Speaker 6: Well, right now, prices remain strong, the medians around five
Speaker 6: ninety nine and average days on markets about forty three days.
Speaker 5: Tom.
Speaker 6: So, although days on markets longer, prices still remain strong
Speaker 6: and denver, I don't see prices dropping any time.
Speaker 5: What about inventory shortage or too many.
Speaker 6: You know what, We still have a shortage except for
Speaker 6: I would say this, except for in the condo the
Speaker 6: attached market, that's been a little tougher. There's a lot
Speaker 6: more certain price segments. Tom, it's been tougher with condos.
Speaker 6: But I say, overall, we still have a housing storage.
Speaker 6: We're under three months inventory right now. Overall, All right,
Speaker 6: let me go to the phones. Three oh three seven
Speaker 6: one three talk. I want to talk to Jena about CenturyLink. Janna,
Speaker 6: what's happening with you?
Speaker 2: Hello, Janna, Hi, tell them, I'm hoping it's going on.
Speaker 7: Help.
Speaker 8: I'm hoping you can help my sister with her landline?
Speaker 5: What happened in.
Speaker 8: Rural Albert County? And she contracts with century Link for
Speaker 8: her phone service, okay, and about three weeks ago she
Speaker 8: started having problems with her reception. She doesn't have a line.
Speaker 4: What do you what do you mean her? What do
Speaker 4: you mean her reception? It's a regular landline.
Speaker 8: It is a landline.
Speaker 5: And and what do you mean her reception? What happened?
Speaker 8: Her calls cut in and out, so she'll say a
Speaker 8: few words and then the person responding she cannot hear them,
Speaker 8: and it goes in and out and in and out.
Speaker 5: In it did you did you? Did you verify it
Speaker 5: by listening?
Speaker 9: Jenna?
Speaker 10: Oh?
Speaker 8: Yes, I've had a number of conversations that we have
Speaker 8: not been able to complete because she can't hear me.
Speaker 5: And she went, may I ask something?
Speaker 4: And I asked this of Jenna, Jenna, I asked this
Speaker 4: of everyone.
Speaker 5: I'm just going to ask you this. Does cell service
Speaker 5: get out there where she.
Speaker 4: Could have a phone that uses cell service instead, because
Speaker 4: there's pretty cheap cell services and it's just they're so
Speaker 4: much better than landlines. I'm just asking, does she have
Speaker 4: cell service out there?
Speaker 8: It's intermittent as well. And when I lived out there
Speaker 8: ten years ago, we had no sell service whatsoever.
Speaker 5: Well, yeah, ten years ago, you wouldn't have it.
Speaker 8: Wavers use satellite.
Speaker 5: Oh they do.
Speaker 4: So they get like a starlink or something and then
Speaker 4: and then have an IP phone. But is that too
Speaker 4: complicated for your sister.
Speaker 8: Well it's probably going to be more money than she
Speaker 8: would want to spend.
Speaker 5: Okay, So Janna, tell me what you've done about it
Speaker 5: so far?
Speaker 7: Okay.
Speaker 8: So she tried to get them for about two weeks
Speaker 8: and she could never get a live person on the line.
Speaker 8: So I started calling and I got somebody to call
Speaker 8: her back and set up an appointment. This was maybe
Speaker 8: a week and a half ago. So she waited close
Speaker 8: to a week for her appointment day, and they require
Speaker 8: that she'd be there from eight to five pm. They
Speaker 8: won't give her a window, which means she asked to
Speaker 8: cancel her medical appointments to stay home.
Speaker 4: Okay, So where do we stand right now? Did they
Speaker 4: ever come out or not?
Speaker 8: Four times they've broken their appointments, And I've talked to supervisors,
Speaker 8: I've talked to very nice people. I've talked to people
Speaker 8: who were blatantly lying to me about setting up appointments
Speaker 8: that no, she's never had anybody come out yet.
Speaker 4: Okay, so they actually have never kept an appointment. Hold on, sus,
Speaker 4: don't we have someone over at Century Link?
Speaker 5: I thought we did?
Speaker 4: Three oh three seven one three talks seven one three
Speaker 4: eight two five. I'll tell you what we're going to do.
Speaker 4: I'm going to look into our contact over there during
Speaker 4: the break. Hang on, and then we have other calls
Speaker 4: coming up. Three oh three seven one three talks seven
Speaker 4: one three eight two five five. And remember we are
Speaker 4: here to help you solve your problems, answer your questions,
Speaker 4: take your complaints. So call if you have a problem
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Speaker 4: pay a cent until you're content. Time for an insurance
Speaker 4: check up free, no obligation. In comparison, call Compass Insurance
Speaker 4: paying too much your coverage at dozens of insurance companies
Speaker 4: find out Now three oh three seven to seven to
Speaker 4: one help. You'll think you're his only custom when you
Speaker 4: choose Frank Durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two. Hi Tom Martino here in
Speaker 4: three oh three seven one three talk seven one three.
Speaker 5: Eight two five five. As you know, calls always take
Speaker 5: priority on the show.
Speaker 4: Somebody to get to your calls where we do have
Speaker 4: an angel over at Century Link. Sue's just texted me,
Speaker 4: so we're going to send that over Jana to Sentry
Speaker 4: Link and try to get you an answer. For your sister,
Speaker 4: uh Kachina, you can get her information for follow ups.
Speaker 4: Cynthia says she believes there's a ripoff going on.
Speaker 5: Now I'm not sure what or where. So Cynthia, what's
Speaker 5: happening with you?
Speaker 1: Well?
Speaker 11: I went to an eye doctor, and you know, you
Speaker 11: put your trust in the doctor, thinking that they're really
Speaker 11: going to help you.
Speaker 5: Now what kind of an eye doctor?
Speaker 4: Was it for eye sight or something with the eyeball?
Speaker 11: With the eyeball and.
Speaker 5: Okay, so was it an ophthalmologist? Yes, okay, got it?
Speaker 12: Okay?
Speaker 11: And he so he said that I had dry eye, which, okay,
Speaker 11: that's what it is. But he sold me an electric
Speaker 11: teeated dry eye relief mask for one thousand dollars and
Speaker 11: when I go on the makers site itself, it's only
Speaker 11: one ninety nine. So I'm almost turning.
Speaker 4: Wait a minute, Wait a minute, you bought the same
Speaker 4: exact thing from the doctor, and how often do you
Speaker 4: wear this mask?
Speaker 11: You're supposed to wear it nightly for about ten minutes,
Speaker 11: and I never took it out. I only sellophane off.
Speaker 13: But he how much?
Speaker 5: How much did it cost?
Speaker 11: One thousand dollars?
Speaker 5: Are you kidding me? And and you saw it.
Speaker 11: On salewear well on the website of the maker itself.
Speaker 5: Ah, well, what does you say about that? When you
Speaker 5: told them.
Speaker 11: He won't return my calls? That's the whole problem.
Speaker 4: Now, that doesn't sound to me like an ophthalmologist. Was
Speaker 4: this an MD? Or is this an eye doctor? An optometrist?
Speaker 5: What is it? Do you know?
Speaker 11: Let me double check he is.
Speaker 4: Because it doesn't sound it doesn't sound to me like
Speaker 4: an MD surgeon or an MD ophthalmologist.
Speaker 5: That could be doing this. He is, yes, Okay, and
Speaker 5: this is crazy.
Speaker 4: Now we can have someone get a release from you
Speaker 4: and try to call and talk to them.
Speaker 5: Did you pay for it on credit card? Yes? Why
Speaker 5: don't you?
Speaker 4: Why don't you dispute it on the credit card saying
Speaker 4: that you were missed it was misrepresented?
Speaker 11: Okay? What do I do with the product? Just keep
Speaker 11: it until he decides to do something.
Speaker 4: Well, that depends on what the credit card company says.
Speaker 4: Tell them that it was not as represented that.
Speaker 5: You could have gotten it for one ninety nine.
Speaker 4: They charge you one thousand dollars and this dispute it
Speaker 4: and I would return it to the doctor. That's what
Speaker 4: I would do, Cynthia. Now, I want you to stay
Speaker 4: in touch with us.
Speaker 5: I want to know.
Speaker 4: I want to know how that dispute goes. I'm not
Speaker 4: just telling you this to get rid of you. I
Speaker 4: mean I really want We're going to help you here. No, No,
Speaker 4: so you start that first. But listen, what's really important
Speaker 4: is you have the appointment with him, then you have
Speaker 4: the item. Did you pay one thousand dollars for the
Speaker 4: appointment and the item or just the item?
Speaker 11: I well, I went through Medicare for the appointment that
Speaker 11: was charged to Medicare, and then the thousand dollars I
Speaker 11: paid on my credit card.
Speaker 5: Okay, that's good. That's the one you want to dispute. Yes, okay,
Speaker 5: there's several of these online for seventy nine dollars to
Speaker 5: two hundred dollars.
Speaker 2: Right, are you kidding me?
Speaker 10: No?
Speaker 11: I went to the maker itself, so I thought, you know,
Speaker 11: i'd be you know, with the maker, and it's like
Speaker 11: one ninety nine if I bought it from them, directly.
Speaker 5: Wow.
Speaker 4: Wow, this is unbelievable. Well, thank you for telling us
Speaker 4: about Cynthia. You do that with dispute on the thousand
Speaker 4: and then call us back and let us know. Three
Speaker 4: oh three seven one three talk seven one three eight
Speaker 4: two five five.
Speaker 5: That is unbelievable.
Speaker 4: Okay, So we're talking about personal economy and what's called
Speaker 4: perception omics. I'm going to give some advice here, and
Speaker 4: I hope you take it. I'm going to give some
Speaker 4: advice on perception homics. The worst thing you can do
Speaker 4: right now is knee jerk react and do a massive
Speaker 4: seller off of quality stocks. If you have quality stocks,
Speaker 4: if you have quality companies, they're not going to hell overnight.
Speaker 4: Don't need jerk react to the ups and downs. Stay
Speaker 4: the course, quality will remain quality. Everything rises and drops
Speaker 4: according to perception. That's what the entire market is. It's
Speaker 4: always perception. And the worse the perception, the more dire
Speaker 4: the perception, the higher the ups and downs. The higher
Speaker 4: the ups and the lower the downs, the more what
Speaker 4: they call volatility. But if you bought based on fundamentals
Speaker 4: of the company and not day trading up and down,
Speaker 4: you can ride through it and recover the important thing
Speaker 4: is look for buying opportunities as well. How many times
Speaker 4: has the stock market dropped? Think about that, but it
Speaker 4: always seems to rebound. Why because institutional money, all the
Speaker 4: four to one keys, all of the money invested, has
Speaker 4: to go somewhere. There is no such thing as a
Speaker 4: cash investment. There are cash parking spaces, but not investments.
Speaker 4: So where that money is flooding out of the market,
Speaker 4: that money will have to come in as it floods out,
Speaker 4: prices go down. As prices go down, there are buying
Speaker 4: opportunities for when it floods back. That's not being overly optimistic.
Speaker 4: That's looking at every single cycle that has ever happened
Speaker 4: in the stock market. Absolutely ever it's never failed. Think
Speaker 4: about that. So the perception that we're going into recession
Speaker 4: is going to cause one. Every day on the news
Speaker 4: they say so and So says there's a sixty percent
Speaker 4: chairs and then they say so and So says there's
Speaker 4: an eighty percent. They've just upgraded it from sixty to
Speaker 4: seventy percent. Chance, who is saying that, and how what
Speaker 4: metrics are they using? They have none. There's no metric
Speaker 4: to measure a recession. A recession is something that comes
Speaker 4: as a result of perception. It's people aren't feeling good
Speaker 4: about the economy, so what they do is massive sell offs.
Speaker 5: They do withdrawals.
Speaker 4: Employers in anticipation of the recession.
Speaker 5: Remember, still a perception.
Speaker 4: Employers let people off and lay people off when they
Speaker 4: really have the same exact demand, but they're anticipating less demand.
Speaker 4: Then you have consumers anticipating a recession and therefore won't
Speaker 4: buy something, and they put it off, and that causes
Speaker 4: a decrease in demand. It all happens like a herd
Speaker 4: of animals. I swear to God, and no matter how
Speaker 4: much I preach this, it happens all the time. And
Speaker 4: it's based on nothing, absolutely nothing. The absolute fundamentals have
Speaker 4: not changed. So, Frank Duran, the real estate manage would
Speaker 4: be today. I want to shift that to where it
Speaker 4: goes to real estate. Frank, what's the most you've seen
Speaker 4: the real estate fluctuate as far as houses during this
Speaker 4: time from January onward?
Speaker 13: Wow?
Speaker 6: Tom, A really good question. The biggest fluctuate I see
Speaker 6: is obviously when you get past the holidays, right, you
Speaker 6: see that slow lower for the holidays.
Speaker 4: Oh yeah, it is, so prices come back pretty strong
Speaker 4: than what happened in this particular economy. We had the inauguration,
Speaker 4: everyone was up. Now we're having some hesitation, right, We're
Speaker 4: seeing some hesitation, But is it affecting the actual real
Speaker 4: estate market?
Speaker 5: So far?
Speaker 6: I've seen more of a surge this month than the
Speaker 6: previous months before. Surge meaning what like more buyers getting
Speaker 6: in the market. Really yeah, But you know, this is
Speaker 6: a strange thing, Tom, because usually you look at the
Speaker 6: last four or five years, we peaked usually around May
Speaker 6: or June. Last year we peaked in April, which was
Speaker 6: really strange.
Speaker 5: I mean, where what is it looking like?
Speaker 7: Now?
Speaker 5: Are we peaking?
Speaker 4: We're starting to make that nice climb right now, But
Speaker 4: what's going to be When you say a climb, do
Speaker 4: you mean sales or buyers?
Speaker 5: I'd say both. I'd say both overall.
Speaker 6: But here's what happened last year was really strange on
Speaker 6: because we had this curveball where suddenly more inventory jumped
Speaker 6: in the market, rates had went up, buyers fell out
Speaker 6: of the market, and so May June July, when the
Speaker 6: market's really supposed to pick up momentum, Tom, we had
Speaker 6: really dropped.
Speaker 5: September was rough.
Speaker 6: But here's watch this when the rates dropped by fifty
Speaker 6: basis points. You remember when that happened. Yeah, we saw
Speaker 6: a bounce back in October. So there's if we look
Speaker 6: at it a graph, we bounced back and the market
Speaker 6: came back. So the funny thing is when rates dropped
Speaker 6: even a little bit, orcage applications went up about seven percent,
Speaker 6: which really created more demand in the market.
Speaker 4: Okay, So really, what you're saying is it's fluctuating, but
Speaker 4: in general following the same patterns up to this point.
Speaker 4: Tiny fluctuations within the general pattern.
Speaker 6: Yeah, up to this point. Tom, Now, what's what I'm watching.
Speaker 6: I believe I study the market every morning. What I'm
Speaker 6: watching is to see how we react when we get
Speaker 6: past April heading into main tune we get that real
Speaker 6: prime season. Do we peak in June again or do
Speaker 6: we do we did last year in peak in April?
Speaker 4: All Right, we have more coming up on the Troubleshooter
Speaker 4: Show on Tom Martino three O three seven one three
Speaker 4: eight two five five.
Speaker 5: It is amazing to me how we go through these.
Speaker 4: Things, but we do. And the thing is we can
Speaker 4: get through them if we use common sense. By the way,
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Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance check up free, no obligation. In comparison, call
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Speaker 5: insurance companies find out now three oh three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hello Tom martine Er
Speaker 5: three O three seven one three talks seven oh three
Speaker 5: eight two five five. We're going to talk to Marisa
Speaker 5: now about her car accident.
Speaker 4: I want to tell you something. We are here every
Speaker 4: day twenty four to seven helping people. I mean that
Speaker 4: we have our deputies that go home and they take
Speaker 4: them home with us. We get emails at night, we
Speaker 4: get texts. You can always text us twenty four to
Speaker 4: seven at this number. I want to share. I want
Speaker 4: to share it with you even now. You'll get right
Speaker 4: through to the show. Seven four seven eighty seven four
Speaker 4: seven nine nine fifty eighty. Okay, that's a twenty four
Speaker 4: hour text. You can also text while we're on the
Speaker 4: air five seven seven three nine And that's the iHeart
Speaker 4: short code.
Speaker 5: We call it. Okay.
Speaker 4: So, by the way, somebody says here in that uh
Speaker 4: in the iHeart text Tom, I had a test many
Speaker 4: years ago for dry eyes and they told me I
Speaker 4: had to get artificial tears have had for forty years.
Speaker 5: So they have used drops. You know, I've never heard
Speaker 5: of these vasts before.
Speaker 4: I mean, they sound ridiculous to me, and I think
Speaker 4: it's just a money grab. And that was a woman
Speaker 4: who called earlier. Now, Marissa, what's going on with your
Speaker 4: car accident?
Speaker 10: So I was ran over by a car And.
Speaker 5: Wait, were you a pedestrian?
Speaker 10: Yes, I was. I was on a scooter at a
Speaker 10: at a stop light, at a school zone, in a
Speaker 10: school zone. Okay, And lady me over and.
Speaker 14: She ran me over.
Speaker 10: She kept going and the cops okay, I ended up
Speaker 10: going to the hospital. While I stood on the street
Speaker 10: for good thirty maybe thirty forty minutes asking somebody called.
Speaker 5: Who called, Wait a minute, were you hold on, Melissa?
Speaker 5: Were you really hurt?
Speaker 10: Yes, she broke my legs. I couldn't walk.
Speaker 5: Oh my god. And so did they find her?
Speaker 10: They did, and I was in ICU. The cops wrote
Speaker 10: me a ticket, which I wasn't at fault, you know.
Speaker 10: So as I was in ICU, the cousin that I
Speaker 10: was with when I was on the scooter, she didn't
Speaker 10: get hurt. I threw off the scooter. I'm the only
Speaker 10: one who got hurt.
Speaker 5: She followed a well, hold on, Marissa, Marissa, Marissa, I
Speaker 5: need to ask you a bunch of questions. Did the
Speaker 5: other woman did the other woman who hit you? Did
Speaker 5: she get a ticket?
Speaker 10: No she didn't.
Speaker 5: What not even for leaving the scene of an accident?
Speaker 10: No she didn't. And the cops didn't question me, and
Speaker 10: they didn't ask about what happened. They questioned both parties.
Speaker 10: They wrote me to go one I with an ICU
Speaker 10: and I didn't even get a hand ticket. My lawyer
Speaker 10: is the lawyer that my cousin had got had told
Speaker 10: me after.
Speaker 15: I was at ICU, they gave me a ticket.
Speaker 5: And so, what did you get a ticket for, Marissa?
Speaker 5: What did you get a ticket for?
Speaker 10: Carrodige? Driving in and result of injury?
Speaker 4: And is the other person that was on the scooter
Speaker 4: with you or she hurt?
Speaker 1: Nope, she had she was on the cre.
Speaker 5: What did they what did they say about did this
Speaker 5: driver hit you or did you hit the driver?
Speaker 10: No, the driver hit me. I was at a stop light,
Speaker 10: at a center of a stop light, on the sidewalk,
Speaker 10: getting ready to go towards wat where she was going
Speaker 10: towards Federal.
Speaker 2: She was on her phone and they never talked to you.
Speaker 5: And they never even talked to you. No, when was
Speaker 5: this accident?
Speaker 10: It was on September eighteenth. I spent six and a
Speaker 10: half months. I barely got out on the end of January.
Speaker 10: Out of the at the hospital.
Speaker 5: I have twelve.
Speaker 10: Consecutive major surgeries and four skin grafts.
Speaker 4: Is anyone okay? What happened with the ticket written against you?
Speaker 4: Did you go to court yet?
Speaker 10: So I went to court and they because I didn't
Speaker 10: have a lawyer.
Speaker 15: So I had to wait and I had to file
Speaker 15: for attorney, which I did, and because I didn't make it,
Speaker 15: I caught a warm because I couldn't make it to Denver.
Speaker 10: Because the car that I purchased, they saw me a
Speaker 10: limon and just recently I started on fire. That's why
Speaker 10: told you guys. Because the dealership who I bought the
Speaker 10: car from.
Speaker 4: And Marissa, Marissa, Wait a minute, Marissa, Marissa, we were
Speaker 4: just talking about an accident. Now you're calling about a car.
Speaker 4: Which one are you calling about today?
Speaker 8: It's about my car.
Speaker 10: Hum, that's the whole.
Speaker 5: It's about the What did tell me?
Speaker 4: What this whole tell Excuse me, Marissa, excuse me? Tell
Speaker 4: me why you told me this whole story about the scooter.
Speaker 10: Because I'm telling you how this all went about about
Speaker 10: the car.
Speaker 5: But what did the accident have to do with your car?
Speaker 10: Because the money that I got from my accident, I
Speaker 10: purchased a vehicle.
Speaker 4: Okay, now, Marissa, I understand. Now hold on, just I
Speaker 4: have some questions. When you said you got money from
Speaker 4: the accident, I thought you were at fault and were
Speaker 4: given a ticket.
Speaker 5: So what kind of money did you get from this?
Speaker 10: So there was a lawyer, was an insurance claim from because.
Speaker 15: She was at fault.
Speaker 4: Okay, so your attorney did end up getting you money?
Speaker 14: Yes, I got four thousands.
Speaker 5: And how much did you get?
Speaker 10: How much it was?
Speaker 15: It was supposed to be twenty five, but I got
Speaker 15: four thousand.
Speaker 4: Okay, So you got an attorney. And so the attorney
Speaker 4: turned that around and.
Speaker 15: No, go ahead.
Speaker 4: Did you say you didn't get an attorney. You said
Speaker 4: you got an attorney.
Speaker 10: My cousin got an attorney. When I was a nice
Speaker 10: to you, I told you that.
Speaker 5: I understand, but it was your attorney.
Speaker 10: It was our attorney. It was it.
Speaker 15: She followed a claim was a nice oh, okay for
Speaker 15: both of you.
Speaker 1: I get it.
Speaker 5: I get it.
Speaker 1: It was for both of you.
Speaker 4: So the total settlement for both of you was four?
Speaker 4: Or did she get four as well?
Speaker 15: Twenty five or more?
Speaker 5: Wish she hurt more than you.
Speaker 10: She never even bought her, nothing happened to her.
Speaker 4: Then why did she get so much? And why did
Speaker 4: you only get four?
Speaker 10: I have no idea. That's the same thing I asked
Speaker 10: all the time.
Speaker 5: I don't know what's the name of your attorney?
Speaker 10: His name is uh Jason Daikis.
Speaker 5: And when you ask him about the award? What does
Speaker 5: he say?
Speaker 10: He don't really, he didn't really say much.
Speaker 14: He don't, he don't.
Speaker 4: Well, we got to look into this case. Really, who's
Speaker 4: in the studios, Deputy bow there.
Speaker 5: Who's in the studio? We have dollar and we have chopper, Chopper.
Speaker 5: You want to look into this one. Yeah, you can
Speaker 5: look into it. You're an ex cop. Yep, you're an
Speaker 5: ex cop. Looking now, seriously, I want to know why
Speaker 5: she only got four grand the other one's got this.
Speaker 4: Now, Marisa, we will take your car problem. Okay, hold on,
Speaker 4: now that I know you're calling about a car problem,
Speaker 4: we'll get right to it. And but I'm gonna take Brian.
Speaker 4: Then I'll come back to you right after this. Three
Speaker 4: O three seven one three eight two five five. Don't forget.
Speaker 4: If you need any kind of help with real estate,
Speaker 4: we got Frank Duran here three oh three seven one
Speaker 4: three talk seven one three eight two five five. Go
Speaker 4: with a sure thing Denver's Best roofer Excel roofing dot com.
Speaker 5: You don't pay a cent until you're content. Please time
Speaker 5: for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies. Find out now three oh three seven
Speaker 5: to seven to one.
Speaker 16: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martine, your troubleshooter three zero
Speaker 4: three seven to one three talk seven one three eight
Speaker 4: two five five. All right, I am sorry, I'm a
Speaker 4: little diverted here. Let's get let's get in the game
Speaker 4: here and talk about this, because I just can't believe
Speaker 4: that this woman ends up with a ticket, then gets
Speaker 4: four grand, and her person on their bike who wasn't hurt,
Speaker 4: got twenty four grand. Anyway, she then she bought a
Speaker 4: car and got ripped off. But I want to go
Speaker 4: to Brian first. I'll go back to her because Brian's
Speaker 4: been waiting a while. Brian, what's going on with you?
Speaker 13: Hey?
Speaker 7: Don I uh? About six months ago, I was having
Speaker 7: a lot of pain and I went into the emergency
Speaker 7: room and what they found out was that my stomach
Speaker 7: lining was almost gone. I only had five percent stomach
Speaker 7: lining left. I had been on medication for years from
Speaker 7: my back and from a friend of mine who's a
Speaker 7: nurse said, I should never been on that medication that long,
Speaker 7: that it will really tear you up. So I'm not
Speaker 7: on it an now.
Speaker 4: Now tell me what are the permanent hold on, Brian?
Speaker 4: What are the permanent effects of that medication?
Speaker 7: It tore up my stomach lining, It got rid of
Speaker 7: ninety five percent of it, and it gave me Barrett's esophagus.
Speaker 7: I tore up my esophagust.
Speaker 4: Now what does that mean, like, for example, what do
Speaker 4: you have to do medications or tell them or surgery
Speaker 4: or what.
Speaker 7: That's why I'm calling. The other night I was It's
Speaker 7: been going on for six months now. The other night
Speaker 7: I stoped up blood. I had to go to the
Speaker 7: emergency room again. I've been the emergency room five times.
Speaker 7: I've been to a gas centologist twice.
Speaker 5: What is the what is the name of your condition?
Speaker 5: What is the name of your condition?
Speaker 12: Barrett's esophagus and Barrett's Okay, what is it? What does
Speaker 12: it meanhagus? It means that the lining in my esophagust
Speaker 12: is all torn up?
Speaker 5: Okay, So what is the treatment? If anything?
Speaker 7: That's That's why I'm calling I've done. Like I said,
Speaker 7: I've been the emergency room five times then a guest
Speaker 7: intelogists that have put me on no medications. I called
Speaker 7: and they say that the docts will get that to me.
Speaker 7: I'm on no medication.
Speaker 5: So are you are you calling listen? Are you calling
Speaker 5: about malpractice or are you calling about your esophagus?
Speaker 7: I'm calling about my stomach and my spacag because I mean,
Speaker 7: I'm in as much pain now as I was six
Speaker 7: months ago and they've put me on no medication whatsoever.
Speaker 5: Okay, have you ever thought about just switching?
Speaker 4: Have you thought about switching providers, Brian and just finding
Speaker 4: another doctor, a GI doctor.
Speaker 7: I've been to two two emergency rooms and two urgent cares,
Speaker 7: so I keep going to day and what do they
Speaker 7: and they all, well, they've taken, they take, they took
Speaker 7: and they all what did the scope when they put
Speaker 7: it down your throat? And they take pictures and everything
Speaker 7: right and.
Speaker 5: End though it's right and end though. Yeah, but there's
Speaker 5: no there's no treatment for it.
Speaker 7: I don't know. They say that the doctor.
Speaker 2: Who had you first.
Speaker 4: I want, Brian, what medication were you on for the
Speaker 4: last uh several years.
Speaker 7: Nepproxym neproxym. Yeah, five hundred milligrams a day.
Speaker 5: What's approxim for? He said, what's then approxym for?
Speaker 7: What's the approxim forts in my spine? I have our thritus
Speaker 7: in my spine and okay, now I can't take it
Speaker 7: any now.
Speaker 17: Are you?
Speaker 5: Are you looking?
Speaker 4: Are you looking to go after that doctor by the
Speaker 4: way for doing that?
Speaker 10: No?
Speaker 7: I just want I just want some kind of medication
Speaker 7: so I can heal. I can't get anybody to call
Speaker 7: me back. I can't get any doctor to prescribe anything.
Speaker 7: That's why I'm wondering if DOC is on the phone,
Speaker 7: or if you can get a hold of doc. Maybe
Speaker 7: there is no medication. Maybe I just have to give
Speaker 7: it time. Well, I would think.
Speaker 4: Well, I'm saying, have you ever listened? Do you have
Speaker 4: a primary care person?
Speaker 7: Yes?
Speaker 4: Okay, what does your primary care doctor say?
Speaker 7: She says that just change your diet? And I have
Speaker 7: I hat all bland foods.
Speaker 5: Now, well, maybe you need to find another doctor.
Speaker 7: I can't have a time.
Speaker 18: Emergency rooms don't even take doctors in the emergency rooms.
Speaker 18: And I went to a guest riptologist Rocky Mountain guest
Speaker 18: Prology because they're one of the best in Colorado and
Speaker 18: they don't even recommend any.
Speaker 4: Kind of and they have not given you any answers.
Speaker 4: All right, hold on, just wait, I'm Tom Martin. Know
Speaker 4: more coming up on The Troubleshooter Show. Three O three
Speaker 4: seven one three talk seven one three eight two five
Speaker 4: five Go with a sure thing Denver's best roofer Excel
Speaker 4: Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Plead time for an insurance check up free, no obligation
Speaker 4: comparison call Compass Insurance paying too much your coverage at
Speaker 4: dozens of insurance companies find out now three oh three
Speaker 4: seven seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 5: Ripped you need so you don't have.
Speaker 3: Run as cad. That's gonna help.
Speaker 1: Come Man Dix is the Troubleshooter Show.
Speaker 4: No Tom Martinez, Hi, Tom Martino here, Welcome to the show.
Speaker 4: We're solving problems, answering questions, taking complaints.
Speaker 5: Whatever it takes to make your life.
Speaker 4: A little easier, as I've been doing for forty five years,
Speaker 4: recovering millions of dollars in cash, merchise, merchandise exchanges, refunds,
Speaker 4: and services. Frank Rand and real estate manages with me today.
Speaker 4: We've been talking a little real estate. We'll talk economy,
Speaker 4: personal economy, and how to make it through these times.
Speaker 4: But right now I want to I want to continue
Speaker 4: with a couple problems we have here. First of all, Brian,
Speaker 4: this is, uh my god, it sounds like an impossible situation.
Speaker 4: Brian said he was on a certain drug for a
Speaker 4: very long time for back pain and it ended up
Speaker 4: giving him some kind of Brett's esophagus, which is an
Speaker 4: irritation of the esophagus and the lining. How is your stomach, Brian,
Speaker 4: Your stomach itself.
Speaker 7: Not good?
Speaker 5: Okay, now you have.
Speaker 4: You basically say you're in constant pain and you don't
Speaker 4: know what to do about it.
Speaker 10: No.
Speaker 7: I had to go to the emergency room last week
Speaker 7: again because I'll spit in up blood and my stomach
Speaker 7: felt like somebody kicked me in the stomach.
Speaker 5: And what was what did the e r? Oh god,
Speaker 5: what did the r say? What did the er say?
Speaker 5: When you did it?
Speaker 7: They said, my stomach lining is not healing. And I said,
Speaker 7: is there anything what did.
Speaker 5: They say to do?
Speaker 7: Said? Yes?
Speaker 5: And what did they say to do?
Speaker 7: Change your diet? Okay, so why don't you have mass potatoes?
Speaker 5: Look at Brian? Brian? Are you calling? Are you calling.
Speaker 4: Because you want us to help you find healthcare? Or
Speaker 4: are you calling about the doctor that prescribed that medication?
Speaker 2: Are you calling?
Speaker 1: What?
Speaker 5: What can we do for you today? I can't help
Speaker 5: few if you have esophagageal problems? I mean, but what
Speaker 5: can I do for you? Are you saying there's got
Speaker 5: to be Are you saying you're being denied healthcare? What
Speaker 5: is your reason for the call?
Speaker 7: There's got to be some kind of medication I can take,
Speaker 7: and I can't get anybody to describe any kind of
Speaker 7: medication or to call me back.
Speaker 5: Okay, we're gonna have deputy does is deputy doc available
Speaker 5: at home? Do you know?
Speaker 4: Do you know Kachina is deputy dot home? Because I
Speaker 4: think I think what we ought to do is maybe
Speaker 4: he can research it. I think docs should be able
Speaker 4: to get We need to give this to our deputy doc.
Speaker 4: No matter what, We're going to give it to doc
Speaker 4: to research and let's see what he comes up with.
Speaker 7: They told me to do. I've done everything they told
Speaker 7: me to do. I drink alo verra, which is horrible.
Speaker 7: But I've done everything they tell me to do, and
Speaker 7: nothing's healing.
Speaker 4: Really, I've never heard so, So what is it? Is
Speaker 4: it constantly burning and hurting?
Speaker 7: What? No, I'll have a good day, tell me next day.
Speaker 7: It just feels like Howard is a not and it
Speaker 7: feels like somebody kicks me in the gut.
Speaker 5: Oh man, that sucks. I'm really sorry.
Speaker 17: Let me get my hands on.
Speaker 13: All right.
Speaker 2: So now let's go to uh.
Speaker 5: Let's go to uh.
Speaker 17: Marissa again, talk to me, Shannon.
Speaker 5: Hey, I can hear you, Mark, So, I don't know
Speaker 5: if you're coming over the air or not, but I
Speaker 5: can hear you Shannon. Hey, Marissa, Yes, I'm here. Okay,
Speaker 5: here's what I need to know.
Speaker 4: When you got that ticket, did you have to ever
Speaker 4: go to court for it?
Speaker 5: Hy? Yes?
Speaker 14: I did go to court.
Speaker 5: And what did they do at court?
Speaker 10: So? When I went to court, I asked for another
Speaker 10: court date because I wasn't at fault and I needed
Speaker 10: to get an attorney.
Speaker 5: And what did Okay, So did the next court date
Speaker 5: come or not.
Speaker 10: The next card day came and I was in Plueblo, Colorado,
Speaker 10: and I did court virtually on the phone, and they
Speaker 10: told me I tried to file. I tried to file
Speaker 10: promotion to a fleed and because I'm not guilty and
Speaker 10: I don't know why, I got a ticket. And so
Speaker 10: then they wrote me another court date. And the next
Speaker 10: court date, I was stuck in Plubblo because the car
Speaker 10: that I had purchased is a limit it's it put
Speaker 10: it on fire. So I had no way of getting
Speaker 10: to Denver because that's where my court was. So I
Speaker 10: ended up getting a.
Speaker 15: Warrant for my arrest because.
Speaker 10: I couldn't make it in person. And so now I
Speaker 10: have a warrant because I couldn't make it to Denver
Speaker 10: because of the car that I purchased was a lemon
Speaker 10: and it started on fire. And all I've been doing
Speaker 10: is having problems with this freaking car.
Speaker 4: And so are you still in trouble? Are you still
Speaker 4: in trouble with the courts?
Speaker 15: Yes, I have a warrant because of this.
Speaker 4: Yes, Okay, Now tell me about the car.
Speaker 5: When did you buy it?
Speaker 8: Okay?
Speaker 10: I bought the car at the end of January. A
Speaker 10: little bit after January. So in the middle of February,
Speaker 10: I purchased this car for I put five and a
Speaker 10: half thousand dollars down. Okay, I financed this car and
Speaker 10: the dealership who I bought it from.
Speaker 4: Wait wait wait you put down? You put down five
Speaker 4: thousand dollars?
Speaker 10: Yes, I did.
Speaker 1: Where do you do.
Speaker 5: And what did you finance?
Speaker 10: I financed the two thousand and three Mercedes ben CLK
Speaker 10: three twenty and.
Speaker 5: So here's what I'm asking at how much did you finance?
Speaker 2: Oh don't.
Speaker 10: I don't so, I don't understand. What do you mean
Speaker 10: how much?
Speaker 12: Oh?
Speaker 10: So it was I didn't have no credit, I didn't
Speaker 10: have no kind of.
Speaker 5: Marissa. I need you, Marissa, I need you to just
Speaker 5: answer questions. Okay, this isn't working. You paid how much total?
Speaker 5: Here's what I'm asking What was the price? What was
Speaker 5: the price on the Mercedes?
Speaker 10: It was twelve thousand dollars?
Speaker 5: Okay, gotcha? So you paid five thousand down?
Speaker 7: Yes, yes, I got it.
Speaker 4: I got it. And you financed around seven thousand. Yes,
Speaker 4: the loan was about seven plus you oh plus, you
Speaker 4: put down five for a total of twelve.
Speaker 5: Right, is the car running? Right now.
Speaker 10: No, they took my car.
Speaker 5: What is wrong with the car? Right now? Why did
Speaker 5: it start on fire?
Speaker 14: Because the car has had a severe uh and never
Speaker 14: been maintenance since Marissa, Marissa, before.
Speaker 5: You bought it, did you get it checked out?
Speaker 10: They have a mechanic shop there. I thought that's what
Speaker 10: they do. I never bought a car from a I never.
Speaker 8: Got a car from a Marissa.
Speaker 5: Let me explain something.
Speaker 4: Okay, Normally, the best way to buy a car is
Speaker 4: if it's used, you take it somewhere to somewhere you trust,
Speaker 4: and they check it out before you buy it. That
Speaker 4: would prevent this problem. It's too late for you. You
Speaker 4: bought it without checking.
Speaker 10: I didn't know that at that time. And this I
Speaker 10: just didn't want to spend my money. I needed a
Speaker 10: way to get around and I went to I needed
Speaker 10: a way to.
Speaker 16: Get to Maria.
Speaker 5: So I understand.
Speaker 4: I understand, but we all I'm saying is this that
Speaker 4: no one cares. I'm not saying I don't care, but
Speaker 4: I'm saying in life, no one cares about your circumstances.
Speaker 5: You know what I'm saying. They don't care.
Speaker 4: All they care about is you bought the car. Now
Speaker 4: you have to pay for it. But what I need
Speaker 4: to know is why did it start on?
Speaker 14: Out of a broken motor?
Speaker 10: And I've only had the car for four months, and
Speaker 10: the other two months I was in the hospital. I
Speaker 10: never drove it. I was.
Speaker 5: How bad is the fire? How bad is the fire.
Speaker 15: Bad?
Speaker 2: Were the whole Did it total?
Speaker 5: Did it total the whole car?
Speaker 10: I almost blew?
Speaker 5: Did it total the car? Did it total the car?
Speaker 5: Did the insurance pay you for that?
Speaker 2: Did the insurance pay you you?
Speaker 7: Why?
Speaker 10: Turn don't cover engines? Because they don't cover the engine.
Speaker 5: Then, but they will cover the fire.
Speaker 14: No, they won't cover the fire.
Speaker 2: And I go through Bristol, Yes they will.
Speaker 5: She probably just has liability mark mark mark, hold on,
Speaker 5: stop stop.
Speaker 4: I don't want you talking anymore. Put her on hold.
Speaker 4: I don't even want her talking. She is so stupid
Speaker 4: it defies the imagination. Here's the bottom line there. I
Speaker 4: swear to God.
Speaker 5: There are people in this world that shouldn't be allowed
Speaker 5: to transact business.
Speaker 4: My God, there should be some kind of minimum standard
Speaker 4: test for people to transact business.
Speaker 5: How about first, can you fog a mirror? Number two?
Speaker 5: Can you breathe and talk and chew gum?
Speaker 4: And coordinate those three things, and then now try walking
Speaker 4: while you're chewing gum.
Speaker 5: Here's what I'm saying. The car started on fire mark.
Speaker 4: She had to have had coverage for it because it
Speaker 4: was financed.
Speaker 17: Then why wouldn't they cover it? I don't know.
Speaker 5: That's what we have.
Speaker 4: Chopper's gonna find that out. Yeah, Chopper, good luck.
Speaker 1: Thanks.
Speaker 4: I want you to talk to Chopper. Get your one
Speaker 4: syllable words ready. I want you to talk to her
Speaker 4: off the air now listen. I don't mean to be mean,
Speaker 4: but but this poor woman, she should not God Almighty,
Speaker 4: that's why I have a job. That's why I've been
Speaker 4: doing this for fifty years. We licksen people. No, here's
Speaker 4: here's something I need to tell people.
Speaker 5: Now.
Speaker 4: I'm gonna wait. I'll do it right after the break.
Speaker 4: I want to give you a basic survival guide, and
Speaker 4: I swear to God if you use these rules, people,
Speaker 4: pass it on to your kids, your neighbors, your friends.
Speaker 4: So Chopper find out why her insurance isn't covering this.
Speaker 4: Even if they don't cover the engine itself, they should
Speaker 4: cover the damage the fire made. In fact, let's get
Speaker 4: Brian Burns from Compass Insurance on to clarify that three
Speaker 4: oh three seven one three talks seven one three eight
Speaker 4: two five five fix it twenty four to seven. The
Speaker 4: Extreme Clean for your furnace three oh three five two
Speaker 4: six thirty nine thirty nine just thirty nine bucks. In
Speaker 4: fact for your air conditioner you should do now and
Speaker 4: that's still thirty nine bucks. New customers only fix my
Speaker 4: Home dot com. Go with a sure thing Denver's best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three all three nine two zero sixteen twenty two. Your troubleshooter, Now,
Speaker 4: I need to ask Marissa some quick questions again and MERSA,
Speaker 4: we're trying to help you. I promise we are. What
Speaker 4: kind of insurance did you have on your car?
Speaker 10: Bristol?
Speaker 5: Okay?
Speaker 4: Now did the lender help you get that insurance. Did
Speaker 4: the car dealer help you or did you go.
Speaker 5: Out and find it?
Speaker 10: I went out and found it myself.
Speaker 5: Okay.
Speaker 4: Did they require you because it was financed, did they
Speaker 4: require you to have certain insurance and ask for proof
Speaker 4: of insurance?
Speaker 10: Yes, full coverage insurance before I keep it off the loss?
Speaker 4: Okay, But they said since they don't cover the engine,
Speaker 4: this engine fire is on you, right.
Speaker 10: No, not necessarily. No, They told me I needed to
Speaker 10: follow a report with cops and with the fire department.
Speaker 4: And then did they say they would cover the fire damage?
Speaker 10: They didn't say anything. They said that my insurance even
Speaker 10: though I paid three hundred dollars for full coverage, they
Speaker 10: say they don't do that.
Speaker 14: I would have to follow with the at.
Speaker 10: The clean department. I think if I'm not mistaken, and
Speaker 10: if they would considered it, that they would let me know.
Speaker 10: But they don't cover motors or engines. So the whole
Speaker 10: time that I had the car, the mortar has already
Speaker 10: been would already it was just a matter of time
Speaker 10: before it started.
Speaker 5: Okay, But Marissa put murse on hold. Okay.
Speaker 4: Brian Burns the Insurance Healthcenter dot Com, by the way,
Speaker 4: that they have a regular insurance agency. I shouldn't downplay that.
Speaker 4: But the insurance help centers where they do those free
Speaker 4: insurance checkups at three oh three nine nine nine thousand,
Speaker 4: you can get a complete checker you have and it's
Speaker 4: straightforward and totally objective.
Speaker 5: They absolutely do not.
Speaker 4: Skew any when they tell you if you have good
Speaker 4: or bad coverage, that you can get to the bank
Speaker 4: and if they can help you, they will. If they can't,
Speaker 4: they're gonna be honest about that. Now, Brian Burns, I
Speaker 4: understand a little about what she's saying.
Speaker 5: She had an engine fire.
Speaker 4: They're saying, look, we don't cover engines, but wouldn't they
Speaker 4: cover the fire if it totaled the car?
Speaker 19: Brian, Yeah, the fire should be covered because that fire
Speaker 19: is a covered peril. But as far as the engine itself, yeah,
Speaker 19: they're right on saying, like they're not there to cover
Speaker 19: an the engine. If the engine cracks or whatever, your
Speaker 19: insurance doesn't ever cover.
Speaker 5: That, but they will fix the car or give her
Speaker 5: the value, right.
Speaker 19: Well, yeah, if the fire. So the only thing I'm
Speaker 19: curious about is what they're trying to investigate is at
Speaker 19: the time of loss, was the engine shot? In other words,
Speaker 19: are they going to try to say, hey, we don't
Speaker 19: have to pay you for the damage on the where
Speaker 19: we all have to pay you actual cash value, which
Speaker 19: is what autopolicies are. Are they going to try to
Speaker 19: degragate the loss by saying that the engine was already shot.
Speaker 19: I don't think they.
Speaker 4: In other words, the car was a piece of crap
Speaker 4: before the damage.
Speaker 19: Yeah, but I don't think I would fight that from
Speaker 19: the standpoint, she's been paying insurance with the value being
Speaker 19: at a certain level. So the fact of the matter
Speaker 19: is she didn't know the engine was cracked, and this
Speaker 19: is the damage. Ultimately it was caused by fire. So
Speaker 19: I think she needs to wait to Okay, the claims department.
Speaker 20: Is saying, what are they saying, Well, they need I
Speaker 20: don't know what they're saying, and she doesn't they need
Speaker 20: herd over a report from the fire department and from
Speaker 20: the police.
Speaker 19: She said, yeah, so, but I mean, we don't even
Speaker 19: Let's let's.
Speaker 5: Go to caller Mike. Caller Mike has a comment.
Speaker 21: Yeah, caller Mike, Hey, Tom, I love your comment about
Speaker 21: people have to have a certain aptitude to transact business
Speaker 21: and it doesn't have to do.
Speaker 16: About the fire itself. But I was also wondering your
Speaker 16: thoughts about.
Speaker 17: The voter registration process.
Speaker 9: Should voters also to get a registration card have to
Speaker 9: have a certain aptitude so they can vote?
Speaker 22: Because, for example.
Speaker 4: Oh my god, if we ever tried to implement, if
Speaker 4: we ever tried to implement anything like that, what they're
Speaker 4: upset that we want to simply know that they have
Speaker 4: an id for God's sakes, Could you imagine the furor
Speaker 4: if we said you have to have a certain aptitude,
Speaker 4: you have to have a certain knowledge or a certain whatever,
Speaker 4: because that would immediately be called racist again, I'm sorry,
Speaker 4: it would be and it would be called prejudice, and
Speaker 4: it would be called bigotry. Now, in a way, I
Speaker 4: understand why they would say that. They're saying, you know,
Speaker 4: you're purposely trying to weed people out.
Speaker 5: Look, in my opinion, everyone.
Speaker 4: Should have the right to vote that you know, that
Speaker 4: is of legal age and residence.
Speaker 5: But what about their aptitude?
Speaker 4: You know, Mike, you bring up a whole ball of
Speaker 4: axe that is not part of the show today. But
Speaker 4: I don't mind if people want to comment. Could you imagine,
Speaker 4: do you think it's fair? What if they don't have
Speaker 4: the aptitude but they know who they want as president.
Speaker 5: Isn't that good enough?
Speaker 7: Mike?
Speaker 5: What do you think?
Speaker 16: I don't know about that.
Speaker 9: I'm trying to get the best qualified people in office.
Speaker 9: But sometimes, you know, people have to have logic, ration,
Speaker 9: all minds and everything to make that determination. And a
Speaker 9: lot of them, don't you.
Speaker 5: Know, Mike.
Speaker 4: Sometimes people get elected because they have a better hair,
Speaker 4: or they're taller. If you look at at really at
Speaker 4: why people vote. I don't know sometimes and again it's
Speaker 4: called low information voter. Now who benefits from a low
Speaker 4: information voter more than anyone?
Speaker 5: Okay?
Speaker 4: Now, Democrats are going to tell you Republicans do. Republicans
Speaker 4: are going to tell you democrats do? Mark, I want
Speaker 4: to ask you, do you think there should be a
Speaker 4: certain aptitude to be allowed to vote?
Speaker 5: No?
Speaker 4: Okay, And again that's self interest on Mark, because he
Speaker 4: wouldn't ever want to be tested. If they tested his diction,
Speaker 4: he'd never vote.
Speaker 1: Oh please.
Speaker 5: Listen, Mike, thank you for your comment.
Speaker 4: What really, though, there is something called incompetence. Should people,
Speaker 4: because they are less informed and less intelligent, be more
Speaker 4: subjected to ripoffs? No, think about what I'm saying now.
Speaker 4: I'm not trying to be a nanny state. But think
Speaker 4: about what I'm saying. People like Marissa you can sell
Speaker 4: and probably talk into something that you couldn't sues. Okay,
Speaker 4: my executive producer sues, so EP sues.
Speaker 5: Is less likely to be ripped off? Is that fair?
Speaker 5: Should we have some kind of.
Speaker 4: Minimum standard for transacting business?
Speaker 23: Well that can you imagine what that litmus test would
Speaker 23: look like?
Speaker 17: I mean, that's just crazy. How would you even do it.
Speaker 13: Now?
Speaker 5: I don't think you could. But this guy you know,
Speaker 5: talked about voting aptitude, but transact business. Here's what here's
Speaker 5: all I'm thinking.
Speaker 23: Hey, for the record, I agree with them in theory.
Speaker 23: I just have no idea how you would pull that off.
Speaker 23: Like what you got to present at least a tenth
Speaker 23: grade education. I mean, I don't know how do you
Speaker 23: do that. Then we have people that go to Harvard
Speaker 23: and Yale that I think are morons.
Speaker 4: So my thing is this, people who are less intelligent
Speaker 4: get ripped off more.
Speaker 5: Can we Is there a way to stop that?
Speaker 17: I don't know if that's correct.
Speaker 5: Say, I don't know. If I agree with you.
Speaker 23: You're saying less intelligent, I would say more or less savvy.
Speaker 23: There's a lot of smart people out there that could
Speaker 23: be very book smart, they get ripped off for big dollars.
Speaker 4: Yeah, you're right, you're right, you're right. I don't know,
Speaker 4: but but they're less something. And what I'm saying is
Speaker 4: do they deserve to be ripped off?
Speaker 5: Seriously? Well, no one does.
Speaker 23: I think it's like, I think it's a mentality, Like
Speaker 23: we have people that we both know that. Here, I'll
Speaker 23: say one, Drew Drew has been calling the show forever.
Speaker 23: Drew always finds himself in some kind of situation.
Speaker 17: It's amazing.
Speaker 23: He wanders into problems and it's because he's looking for
Speaker 23: him somewhere in the back of that skull of his
Speaker 23: he's looking for trouble.
Speaker 4: No, you're right, you're right. Some people are self fulfilling prophecies.
Speaker 4: But I just think there's something about people who are
Speaker 4: uninformed getting taken advantage of where others don't. Does that
Speaker 4: mean the ones who get taken advantage of? Well, so
Speaker 4: sad you know you signed it, you should have known.
Speaker 5: Is there a way you know? I'll tell you what
Speaker 5: it is. I'll tell you what it is. Our damn
Speaker 5: high schools they waste, they waste their senior year.
Speaker 4: You know, my son's a senior right now, and all
Speaker 4: those kids have senior ite is they've already been accepted
Speaker 4: to colleges. I mean, it's almost like they're taking up
Speaker 4: time and space. Why wouldn't they use the fourth year
Speaker 4: of high school to make you savvy? Talk about contracts,
Speaker 4: talk about your signature, talk about credit cards, because as
Speaker 4: soon as you graduate, there are going to be a
Speaker 4: ton of letters in your mailbox saying you qualify for
Speaker 4: a credit card. Why don't we Why doesn't school prepare
Speaker 4: kids to just be normal adults? What does your signature mean?
Speaker 4: What is a contract? What is a credit card?
Speaker 23: They're two, They're too busy telling kids what a woman is,
Speaker 23: what a man is, putting tampons into your bathroom.
Speaker 4: No, I swear to God, I have my lifelong dream
Speaker 4: and I need to do it pretty soon. No inside joke,
Speaker 4: But here's the deal. My lifelong dream has been to
Speaker 4: have an education course in the senior year of all
Speaker 4: high schools. That would mean make a thirty day life
Speaker 4: of a consumer, just thirty days, starting with closing on
Speaker 4: real estate, getting alone, getting a car, going to school
Speaker 4: or going to work. I mean, just something like that. Now,
Speaker 4: we have a lot to have a lot going on here,
Speaker 4: so stick around. Three oh three seven one three talks
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Speaker 4: the best water system, the best prices.
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Speaker 4: You will never touch this price anywhere. Waterpros dot net
Speaker 4: three h fo three eight six two five five five four.
Speaker 4: That's water Pros. I'm sorry, it's five, Yeah, that's the number.
Speaker 4: Three oh three eight six two five five five four.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 5: Wow, he's not that gay guys.
Speaker 23: Sorry threes zero three seven one three A two five
Speaker 23: five times. Get a question for Frank Duran, Hey, Don
Speaker 23: what say you?
Speaker 4: Hey?
Speaker 13: Hey?
Speaker 8: Mark up by Frank.
Speaker 24: I got a question.
Speaker 7: I think, got a bit of a problem.
Speaker 24: I got a condo an Aurora I've been I'd like
Speaker 24: to sell, but the place where I want to move
Speaker 24: to isn't going to be available to the early part
Speaker 24: of twenty twenty six. When will be the best time
Speaker 24: to sell, either in July or maybe February March of
Speaker 24: next year. I understand, I'm I understand if I'm asking
Speaker 24: to look into your crystal ball, but I'm just looking
Speaker 24: for a little input here.
Speaker 5: He's a good one. Don.
Speaker 6: Hey, it's good to talk to you. You know, that's
Speaker 6: a wonderful question. And you know, the short answer I'll
Speaker 6: give you is this. I think that what you do
Speaker 6: is you base it on what it's best for you
Speaker 6: to move because I'll tell you what. We run into
Speaker 6: a number of people in these kinds of situations, and
Speaker 6: some sellers say take the philosophy.
Speaker 5: Okay, We're gonna just take our money and run. We're
Speaker 5: going to cash.
Speaker 6: Well, we know what the market is right now, the
Speaker 6: bird in the hand, sell the home, work out a
Speaker 6: temporary living arrangement until the home is built and they're
Speaker 6: ready to move in, So that that's one option. There
Speaker 6: is tough about the third quarter that rates are expected
Speaker 6: and of course you know how these things can go done.
Speaker 5: Rates are expected to drop.
Speaker 6: And we're even hearing rumors that they could even drop
Speaker 6: as early as June. The challenge was something like that,
Speaker 6: is you remember last year, everybody was talking about how
Speaker 6: the market's you know, strong, and all of a sudden
Speaker 6: we got hit with a curveball and ended up peaking
Speaker 6: in April. So I think it's a decision every seller
Speaker 6: just has to make is do you take the bird
Speaker 6: in the hand, cash and now where the market is
Speaker 6: what it is now, or do you take that calculated
Speaker 6: risk and wait to see if rates will drop and
Speaker 6: the market remains strong.
Speaker 16: Yeah, okay, hey, don what are you buying?
Speaker 24: Actually I'm not buying. I'm I'm moving into a brand
Speaker 24: new fifty five plus community. They're building maybe about a
Speaker 24: fifteen minute walk where I am right now.
Speaker 23: Oh nice, hey, do make sure you read over that
Speaker 23: contract and any new construction. We've had a lot of
Speaker 23: people call in, especially a couple of years ago, to
Speaker 23: where there's language in that agreement to where if lumber,
Speaker 23: for example, goes up, they can actually adjust the price.
Speaker 23: And a lot of people don't realize that. So just
Speaker 23: make sure you know what's coming.
Speaker 7: Actually use our apartments the.
Speaker 1: Part, Oh that's really cool.
Speaker 23: Then you're just gonna pocket the money from the house
Speaker 23: and move to an apartment.
Speaker 5: And Mark, there's something.
Speaker 24: Else, and do what I'm done with Maitlandson up keep
Speaker 24: and whatnot.
Speaker 4: Okay, let me chine in here. Sure, Ank Duran will
Speaker 4: tell us this and and I think this is important, Frank,
Speaker 4: builder contracts do not have to follow the standard real
Speaker 4: estate contract for the state of Colorado.
Speaker 5: Isn't that correct? That's right? How we run into that
Speaker 5: all the time.
Speaker 4: Now, see Mark, there are certain safeguards built into the
Speaker 4: state approved real estate contract, but when you go when
Speaker 4: you go to a builder, they don't have to follow
Speaker 4: those same ones. Frank, give me an example of what
Speaker 4: a builder contract might be as opposed to the state
Speaker 4: approove contract.
Speaker 6: Sure, a builder, I've seen him do this before, where
Speaker 6: they'll make the earnest money hard. Within just a couple
Speaker 6: of days, I had one. Wow, this was unrealized.
Speaker 5: Think about that hard earnest money. Oh yeah.
Speaker 6: Seller came to either buying another home in another state
Speaker 6: and apparently they put down about fifty thousand dollars earnest money.
Speaker 6: But it was hard. After like three days, it wasn't.
Speaker 6: They didn't really have a lot of wiggle room.
Speaker 4: And for those listening, hard means it goes toward the
Speaker 4: deal and if you don't close, you.
Speaker 5: Don't get it back.
Speaker 1: Sure.
Speaker 13: Yeah.
Speaker 4: Now, in addition to that, there are other provisions. For example,
Speaker 4: like Mark was mentioning escalation clauses. You can't do that
Speaker 4: in a regular real estate contract, but this could be
Speaker 4: a different price when you go to close with a builder. Sure,
Speaker 4: and then home inspections as well, they could.
Speaker 6: Thwart Oh sure, And actually, Tom, we do see proposed
Speaker 6: escalation clauses in everyday real estate.
Speaker 5: Oh you do? Now, Gosh, tell me how that would work, Frank.
Speaker 1: Okay.
Speaker 6: So, for instance, especially when the market was really booming, Tom,
Speaker 6: what would happen. Let's say a home is priced at
Speaker 6: five hundred thousand, it was fifteen offers because that was
Speaker 6: not uncommon right, somebody might come in and say, Okay,
Speaker 6: we're gonna come in at your asking price. But part
Speaker 6: of the clause and there would be will beat any
Speaker 6: offer by five thousand dollars up to a max of
Speaker 6: five hundred and eighty thousand. So you'd have those sort
Speaker 6: of escallation clauses in there, and they would vary a
Speaker 6: little bit too.
Speaker 5: Wow. Yes, and that was.
Speaker 6: Not uncommon, and we still see them from time to
Speaker 6: time now, Tom, just not as much as.
Speaker 5: We saw before.
Speaker 4: All right, thank you, Frank three oh three seven one
Speaker 4: three talk seven one three eight two five five. Mark,
Speaker 4: Is there anything you wanted to add to that?
Speaker 23: No, it's just really important that people look at that.
Speaker 23: People think they go to Lenar or they go to
Speaker 23: KB home and they lock in it's six hundred thousand
Speaker 23: or whatever going range, and then closing comes up, you
Speaker 23: do the walkthrough and next thing you know, that's six
Speaker 23: hundred and fifty thousand, and they point out in the
Speaker 23: contract where you agreed to that, and life just gets
Speaker 23: a little rough at that point.
Speaker 7: Good.
Speaker 4: I have a text here from someone a young married couple.
Speaker 4: They say, when do they need a will? Okay, weigh
Speaker 4: in on that, Mark, what would you say.
Speaker 23: I'd say soon as you have any assets, and more importantly,
Speaker 23: the second you have a child.
Speaker 4: Okay, now, a simple will, as Mark pointed out, when
Speaker 4: you have a child, whenever there's just more than you,
Speaker 4: even you and your wife, but especially a child, you
Speaker 4: want a simple will. The will can be a simply
Speaker 4: a simple to say everything goes to so and so
Speaker 4: and or or if that so and so isn't around
Speaker 4: as well. So a simple will, though, that's really important
Speaker 4: and it's cheap, all right. You can do it for
Speaker 4: under a grand probably most of the time, maybe a thousand.
Speaker 7: I don't know.
Speaker 5: When do you need a trust.
Speaker 4: You need to trust when you want your assets or
Speaker 4: your business or your home and all of that stuff
Speaker 4: to pass through the estate without going to probate, so
Speaker 4: it's uninterrupted when you want uninterrupted sleemss operation if you
Speaker 4: have a business, for example, and you want also when
Speaker 4: you want privacy, because trusts are not subject to people. Look,
Speaker 4: people can't look at your trust. They can look at
Speaker 4: probate and wills and all of that, and no one
Speaker 4: hundred percent what you.
Speaker 2: Have going on. So that's when you would want it.
Speaker 5: And again, one of the people we promote and I
Speaker 5: proudly promote him because he does a great job. Is
Speaker 5: Dan McKenzie. He is alive and local attorney, a small firm,
Speaker 5: boutique services meeting.
Speaker 4: He meets with you in person. He'll actually take notes
Speaker 4: and customize a plan for you. And that's McKenzie Law.
Speaker 4: Dan McKenzie. And let me give you his number real
Speaker 4: quick here since I've been talking about him, it sounds
Speaker 4: like a national big firm.
Speaker 5: But I'm not saying he's not a big firm.
Speaker 4: But he's here local A three three co plans that
Speaker 4: stands for Colorado A three three co plans or co
Speaker 4: plans dot c oh go with a sure thing Denver's
Speaker 4: best roofer Excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance check up free, no obligation. In comparison, call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three oh three seven to
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 4: Hi, Tom Martino here three O three seven one three
Speaker 4: talk seven one three eight two five five Frank duranderealestate
Speaker 4: man dot Com is with us now, Frank, I want
Speaker 4: to know the biggest mistake people make listing their home.
Speaker 5: Really? What is it?
Speaker 4: What's the somebody asks another question, but that sparked this question.
Speaker 5: I'll ask their question after mine.
Speaker 6: WHA tell me like the biggest mistake, Tom, I think
Speaker 6: the biggest mistake is starting too high on the price,
Speaker 6: because that is the kiss of death many times.
Speaker 4: And here I knew he was going to say, but
Speaker 4: then when you start coming down, it's a sign of weakness.
Speaker 6: Oh sure, and you may eventually sell, But what people
Speaker 6: don't realize is you're gonna probably end up settling for
Speaker 6: much less that you priced it right to begin with.
Speaker 6: So I think people take a hit and they don't
Speaker 6: even realize the hit they're taking. They say, that's a
Speaker 6: really good point. So you would say starting the listing
Speaker 6: too high? Sure, yeah, And I've seen that before. And
Speaker 6: I remember one particular home we had sold. I had
Speaker 6: the listing on one of them where we had leveraged
Speaker 6: our price. The neighbor had started high on the price.
Speaker 6: Now here's the crazy part. We start lower than they
Speaker 6: originally listed for the competition, but yet we ended up
Speaker 6: selling for higher than they ended up selling for when
Speaker 6: they finally closed, and they were basically identical homes.
Speaker 4: Now, how can that be? We were about thirty thousand
Speaker 4: higher when we I love it, Frank, it makes so
Speaker 4: much sense.
Speaker 5: Okay? What would be another one? After that? Starting to high?
Speaker 6: I think jumping too quick about giving concessions many times.
Speaker 5: Sellers what does that mean? Oh?
Speaker 6: Seller might say, hey, Frank, carpet shot. Should we give
Speaker 6: a carpet allowance? Should we offer a free home warranty plan?
Speaker 6: And I'll tell you this time. You've known this for years. Negotiations.
Speaker 6: Never give away something for free.
Speaker 5: You shouldn't list your home with incentives built in. I would,
Speaker 5: in my opinion, I think you save your and I'll
Speaker 5: give you an example. All right, we'll do it. Coming up,
Speaker 5: I'm Tom Martino.
Speaker 4: If you want some true wisdom, and we're talking about
Speaker 4: the guy that actually sells more and sells for more.
Speaker 5: We're talking to the guy that has stats to prove
Speaker 5: all of that. Coming up on the Troubleshooter Show, Go
Speaker 5: with a Sure Thing.
Speaker 4: Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're contenth.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Fan durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 3: Ripped off needy, so you don't have come running just
Speaker 3: as fast as we can. Shooter's gonna help come Man.
Speaker 1: Dix is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hey Tom Martino here, Welcome to the show.
Speaker 4: I am here as I've been doing for forty five
Speaker 4: years every day in Denver, solving problems, answering questions, taking complaints.
Speaker 4: So take a moment to look at your life. Is
Speaker 4: there something bugging you that maybe you feel.
Speaker 5: Isn't right, somebody's not treating you right.
Speaker 4: Maybe you've been lied to, cheated or ripped off, or
Speaker 4: you just want to know about that every day crap.
Speaker 5: You know, the things that tick us off.
Speaker 4: Or the things that make us tick, whether it's home
Speaker 4: equity and loans and everyday life, or is it something
Speaker 4: that just happened on the spur of the moment, a
Speaker 4: bad water heater or something like that. By the way,
Speaker 4: I do want to tell you something speaking of water
Speaker 4: heaters from a personal experience. Water heat will degrade over
Speaker 4: time and life of your water heater depending on the
Speaker 4: quality of your water.
Speaker 2: If you have a lot of hard water, your.
Speaker 4: Water can eventually accumulate minerals at the bottom of the
Speaker 4: tank and affect the heating heating elements. And I've often
Speaker 4: wondered why, but heating elements in water tanks the heating element,
Speaker 4: whether it's gas or whether it's electric, and most of
Speaker 4: them are gas, those elements are at the bottom of
Speaker 4: the tank. I just don't know why they've never wrapped
Speaker 4: some kind of heating elements around the tank or through
Speaker 4: the tank.
Speaker 5: In some kind of a coil.
Speaker 4: Then you would have the benefit of the water temperature
Speaker 4: and it would be a direct transfer of heat to
Speaker 4: the water in the tank. Instead, it goes like you're
Speaker 4: cooking a pot and it's heated from below. So when
Speaker 4: minerals settle on the tank, guess what's happening. It is
Speaker 4: self insulating, so you get less and less heat from
Speaker 4: the same flame.
Speaker 5: Think about that.
Speaker 4: So having a water heater flush, having a water heater
Speaker 4: cleaned out, or even that's a great idea. And then
Speaker 4: of course you know the idea. You know how to
Speaker 4: keep a water heater forever if you wanted to without
Speaker 4: the tank ever, ever, ever rotting?
Speaker 5: What's the secret? Mark, do you remember what the secret
Speaker 5: is on that? To tell me just running the water
Speaker 5: back in? Nope, No, there's one thing you can do.
Speaker 4: Now what I told you about the sediment layer, having
Speaker 4: it flushed every now and then. What I want to
Speaker 4: tell you about that is with that kind of sediment layer,
Speaker 4: you can increase the efficiency by cleaning out the sediment.
Speaker 4: But to increase the life of the tank where it
Speaker 4: will never rot, how is that accomplished? I'm going to
Speaker 4: ask my YouTube morons. I'm going to go to the
Speaker 4: YouTube stream and see if any of them have the answer.
Speaker 4: So that's instant feedback. If you go to the referral list,
Speaker 4: it's under troubleshooter excuse me.
Speaker 5: If you go to the YouTube, it's under troubleshooter network.
Speaker 4: And I want you to tell me what is the
Speaker 4: one thing you can do periodically, and I'll even give
Speaker 4: you a time span.
Speaker 5: It can be sick to eight years, every six to
Speaker 5: eight years.
Speaker 4: Well, somebody already answered, it's the sacrificial anode.
Speaker 5: This is remarkable. In a water tank.
Speaker 17: You have.
Speaker 4: If you just take a tank of water, it becomes
Speaker 4: a battery eventually. What I mean is electrons will align
Speaker 4: positive and negatively and the water will eat at the
Speaker 4: water tank.
Speaker 5: To create this electrolytic this reaction. So the water attacks
Speaker 5: the tank, the tank rots away a bit, and many
Speaker 5: voltages produced. Really trust me on it.
Speaker 4: Okay, So the water can deteriorate that tank over time
Speaker 4: no matter what. Even if you take the sediment layer
Speaker 4: off the bottom, you're simply taking off out the minerals
Speaker 4: and you're taking off the microscopic where it.
Speaker 5: Made on the tank.
Speaker 4: And that will increase the efficiency of your tank and
Speaker 4: keep it efficient because the pot on the heater is
Speaker 4: not being insulated from the heat. Okay, that's one thing,
Speaker 4: But to keep it from rotting. What rots your tank
Speaker 4: is the water eating away at the walls of your tank.
Speaker 2: It's a natural reaction water and metal.
Speaker 5: Now, one way would be not to have a metal
Speaker 5: tank at all, but you can't really do that for
Speaker 5: various reasons I'm not going to go into right now.
Speaker 5: So what do you do. There is a rod in
Speaker 5: your water tank put there specifically.
Speaker 2: To rot.
Speaker 5: The entire purpose of that rod, which is called an animalde,
Speaker 5: is to sacrifice itself to the water. So instead of
Speaker 5: the water going to the tank to eat away the tank,
Speaker 5: it goes to the anode. First, you have short circuited
Speaker 5: this battery, so the elements rotting away instead of going
Speaker 5: to the tank, will go to the anode, and the
Speaker 5: anode will gradually decrease. It's a rod, it'll be eaten
Speaker 5: and eventually there will be no anode rod. As soon
Speaker 5: as that anode rod is depleted, the water now turns
Speaker 5: its attention to the tank. So these soldiers in the
Speaker 5: water attack the tank until they destroy it.
Speaker 4: But if you give them another anode to attack, they'll
Speaker 4: leave your tank alone and anodes can be replaced.
Speaker 5: There's usually a nut.
Speaker 4: At the top of the tank that's attached to this rod,
Speaker 4: and if you look up sacrificial anodes, they can be replaced.
Speaker 4: So that is the secret of keeping a tank forever.
Speaker 4: Literally forever. Your tank will never rot. So two things
Speaker 4: you can do to a tank. One periodically flesh out
Speaker 4: the sediment in your tank every three to five years,
Speaker 4: and then two replace your anode every six to eight years,
Speaker 4: more like eight years, probably depending on the quality of
Speaker 4: your water. Anyway, Three three, seven, one, three eight, two
Speaker 4: five five is our number. We have Frank durand the
Speaker 4: real estate man with us today. Somebody wants to know
Speaker 4: if they're buying a home and it is a fixer
Speaker 4: upper in a neighborhood, when they go to fix it up,
Speaker 4: what price range should they aim at in relation to
Speaker 4: their neighborhood.
Speaker 5: You know, that's a very wise question because we've always
Speaker 5: said you don't want the most expensive home in the neighborhood.
Speaker 5: Why is that, Frank, well, tom at see, here's that's
Speaker 5: a good question. Here's the thing.
Speaker 6: This all varies area to area too, though, so there's
Speaker 6: really no cookie cut or answer as far as that.
Speaker 4: So give me various answers based on various scenarios.
Speaker 5: Then, well, it depends on the type of investment.
Speaker 6: I think right now some people are shying away from
Speaker 6: the attached market like condos, because it's been tougher. Also,
Speaker 6: we see maybe what they call the fixer upper properties
Speaker 6: where let me give you an example, like maybe something
Speaker 6: that I'd sold in let's say Aurora, that really is
Speaker 6: just kind of an as is situation. I will get
Speaker 6: investor offers. But here's the challenge for investors. They're also
Speaker 6: still having to compete, especially at that home is priced well,
Speaker 6: Investors are going to have to compete with the buyer
Speaker 6: that wants to go in there and pay more money too.
Speaker 4: So but I'm asking if you're fixing up a home, Frank,
Speaker 4: and I don't mean to short circle what you're saying,
Speaker 4: but if you're fixing up a home, what price range
Speaker 4: do you go for in the neighborhood? Do you go
Speaker 4: in the middle, do you go for trying to be
Speaker 4: the lowest house, the lowest price. I would like to
Speaker 4: be the lowest price in a really nice neighborhood. Or
Speaker 4: would you go for the premiere or somebody saying, hey, man,
Speaker 4: I got the best house in the neighborhood.
Speaker 5: What is there an approach you would.
Speaker 4: Take when pricing a home or excuse me, when fixing
Speaker 4: up a home.
Speaker 6: I would say, typically they'll go for the lower end
Speaker 6: of this time, the lower end of that.
Speaker 5: So it's better to have the lower end in a
Speaker 5: beautiful neighborhood, sure, because that they could put the work in.
Speaker 6: And of course we're going to look at the market
Speaker 6: dynamics and those types of things. We're going to say, Okay,
Speaker 6: what's the market been providing the last five years, fan
Speaker 6: or whatnot. But I think overall that's how I see
Speaker 6: a lot of buyers buy when they buy in those situations.
Speaker 4: Okay, So bottom line, as you're saying, if you're going
Speaker 4: to fix up a home, don't put in too much
Speaker 4: money and make it the very best in the neighborhood
Speaker 4: and try to stay at the lower end of the
Speaker 4: neighborhood so people can get into that neighborhood and feel
Speaker 4: like they made a great deal.
Speaker 5: Yeah.
Speaker 6: I've seen a number of people do that, Tom, And honestly,
Speaker 6: there are a lot of these investors that I know
Speaker 6: they have their own contractors where they could really save
Speaker 6: money and you know.
Speaker 5: Sort of cut some corners.
Speaker 6: Not bad, they're still doing good work, but they're they're
Speaker 6: saving a lot of costs that way, when they turn
Speaker 6: around and sell the property, they're making a great profit,
Speaker 6: especially in these areas that produce.
Speaker 4: Well okay, three three seven, one, three eight two five five.
Speaker 4: Someone else says, if they want to sell it on
Speaker 4: their own, and they know you're going to be I'm
Speaker 4: just put I'm adding these words to their text. Yeah,
Speaker 4: I know they trust you to tell them. They want
Speaker 4: to know can they do for sale by owner? Have
Speaker 4: you ever studied the stats on for sale by owners
Speaker 4: and what you can do as opposed to them? And
Speaker 4: I know what they're thinking about. I'll save all the
Speaker 4: all the commissions and stuff. What do you think about that,
Speaker 4: Frank be honest about that? Well, I know you'll be honest,
Speaker 4: but I mean, just be frank about that.
Speaker 5: I will be frank as I could be that. Say
Speaker 5: you are frank, be frank about.
Speaker 7: That for me.
Speaker 5: No, Tom, here's what I would say.
Speaker 6: I've talked to a number of four sale by owners
Speaker 6: over the years and this is what I've found. Some
Speaker 6: of them have done very well for themselves. And sometimes
Speaker 6: you just get into a good situation and that's a
Speaker 6: great thing. And we're always still happy to provide you
Speaker 6: in an analysis on your home to give you an idea,
Speaker 6: and there's no obligation to that.
Speaker 5: We're always happy to do it.
Speaker 6: I would find I would say a number of them though,
Speaker 6: end up listening with an agent within thirty days because
Speaker 6: they get into this and realize, Okay, this is a
Speaker 6: lot tougher than I thought, and the demand this real
Speaker 6: estate professional can bring in on my home.
Speaker 5: Ultimately I could do better. I'll give you a great example.
Speaker 6: I had a town home in Thornton and what happened
Speaker 6: is this seller was thinking about going for sale by owner. Yeah,
Speaker 6: the person renting I think four or five doors down.
Speaker 6: They were going to buy it directly from them.
Speaker 1: Okay, And I.
Speaker 5: Said, look, I'll do the analysis. No obligation.
Speaker 6: Something to consider, guys, do whatever you want to do
Speaker 6: on this, but something to consider.
Speaker 5: On the open market, this current buyer that.
Speaker 6: Wants to buy directly from you, where you might be
Speaker 6: saving you think you're saving some money.
Speaker 5: They don't have to compete with anybody, Okay.
Speaker 6: The question is on the open market, how would you do?
Speaker 6: So this seller thought about this about four days later,
Speaker 6: calls me back and says, you know, I think we're
Speaker 6: going to put it on the open market.
Speaker 5: Well, Tom, this is great.
Speaker 6: We sold for a little over sixty thousand more on
Speaker 6: the open market because of the demand of the property.
Speaker 5: So this buyer that was going to buy directly had
Speaker 5: to bow out.
Speaker 6: So in the end, the seller put more money in
Speaker 6: their pocket doing it that way versus selling directly.
Speaker 5: I know that everyone has this inclination of selling a
Speaker 5: home on their own. Does everybody thinks about it?
Speaker 4: But really, with a skilled broker, not only can they
Speaker 4: get a higher price, but a skilled broker also will
Speaker 4: keep track of all the deadlines in the contract, keep
Speaker 4: you on track, and walk you through the transaction. In fact, Frank,
Speaker 4: I think that's more important than all the other stuff,
Speaker 4: The fact that you I mean, Frank, when I went
Speaker 4: to buy my house and went to sell my stuff,
Speaker 4: I felt like you were literally my personal assistant.
Speaker 5: I swear to God. Well, Tommy, you remember and we
Speaker 5: won't get into the details.
Speaker 6: Well you can, but you can if you remember. It's
Speaker 6: the finer details.
Speaker 5: You remember. We wrote offer number.
Speaker 6: One and then that didn't work as we wrote a
Speaker 6: second offer, but we made some adjustments right. The asient
Speaker 6: on the other side didn't do what they should have done.
Speaker 6: They missed some important detail ended up court.
Speaker 2: They literally didn't read the contract, Frank.
Speaker 5: But we were on top of our game, so they
Speaker 5: wanted a little more money.
Speaker 4: So we offered a little more, but put in some
Speaker 4: stuff we wanted because of the little more, and the.
Speaker 2: Guy approved it, or they proved it.
Speaker 5: I know what he said.
Speaker 4: He said to his people, you know, this is a
Speaker 4: good contract, good offer, because I raised the price a
Speaker 4: little what I wanted to pay, but Frank put in
Speaker 4: some concessions.
Speaker 2: And they didn't even read him. Right now, that's just
Speaker 2: plain lazy.
Speaker 5: Oh my gosh.
Speaker 6: And it's the finer details time, you know. I tell
Speaker 6: my son this all the time. It's the little things
Speaker 6: we do right to may to make a big difference.
Speaker 5: I got something to tell you about.
Speaker 4: We asked for one of the lower prices, yet we
Speaker 4: broke all selling records.
Speaker 5: How did we do that?
Speaker 4: I'm going to tell you about that coming back, because
Speaker 4: you might be insulted if Frank came to you and said,
Speaker 4: here's what we're listening it at and you say, but
Speaker 4: wait a minute, everybody's selling for more.
Speaker 5: I'm going to tell you a true story.
Speaker 4: And the guy who really was pissed off at me,
Speaker 4: who was a fellow condo owner because of the price
Speaker 4: I was asking. We're going to talk about all of
Speaker 4: that right after this. On the troubleshooter show, Go with
Speaker 4: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three O three, seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank Durand the real Estate Man dot
Speaker 4: com to list your home with Remax Alliance nine two
Speaker 4: zero sixteen twenty two. Hey Tom Martino here, Welcome to
Speaker 4: the show three oh three seven to one three talks
Speaker 4: seven one three eight two five five, and we're here
Speaker 4: to help you solve problems, answer a question.
Speaker 5: Take it makes make your life a little easier.
Speaker 4: And I said, I was going to talk about some
Speaker 4: real life experience with Frank ran the real estate Man
Speaker 4: dot com.
Speaker 5: And I'm gonna tell you this.
Speaker 4: Okay, So I had a condo in a really beautiful building,
Speaker 4: a penthouse, and uh, what was that dang thing about
Speaker 4: three thousand feet do you remember?
Speaker 6: I don't remember it was I remember that, Yeah, it
Speaker 6: was big, it was a little over three thousand total
Speaker 6: square feet here.
Speaker 4: Now, now this is a condo, and again it was
Speaker 4: surrounded by glass, Oh my god, a big balcony.
Speaker 5: And so I wanted to sell it.
Speaker 4: First of all, Frank got me in for a deal,
Speaker 4: I mean a deal that we couldn't believe when we
Speaker 4: saw it. And he told me how to play it,
Speaker 4: how to play it. Now what I like doing a
Speaker 4: lot when I make the offers. This is about selling.
Speaker 4: But I'm going to tell you real quick about making
Speaker 4: an offer. I like to take away contingencies so people
Speaker 4: know I'm not screwing around. In every deal we've written, Frank,
Speaker 4: we've always said so many weeks to close or so
Speaker 4: many days to close, no contingencies, meaning I am willing
Speaker 4: to put my money and I'm willing to go through it,
Speaker 4: and I'm not going to hold you up at all.
Speaker 2: All right now, that's of.
Speaker 5: Course not everyone should do that. But here's the deal.
Speaker 4: So Frank says, here's what we should list your condo for.
Speaker 4: And I said, Frank, okay, but that looks a little
Speaker 4: low to me. He said, this is what we should
Speaker 4: list it for, and he knew that price would attract attention.
Speaker 4: Now what happened mongighbors, especially a guy who wanted to
Speaker 4: sell his same type of condo. He emailed me and said,
Speaker 4: at how dare you list your home for this much money?
Speaker 4: You're going to destroy our comps and our values. He says,
Speaker 4: I'm going to be selling mine, and you should be
Speaker 4: asking this. He believed I should be asking one point six.
Speaker 4: We were asking somewhere in the neighborhood of one point
Speaker 4: four something like that, and he was very upset and saying,
Speaker 4: you know. And then then the guy from the HOA
Speaker 4: call wrote to me saying, are you sure you want
Speaker 4: to list your condo for this?
Speaker 5: You know we're going to bring in a.
Speaker 4: Lot of tire kickers and blah blah blah. And I said, look,
Speaker 4: you know, there's no rules what I have to sell
Speaker 4: it for. And my real estate broker recommended this price
Speaker 4: because it was such an attractive price in such an
Speaker 4: attractive building. We had inquiries out the nose. It was
Speaker 4: an incredible flurry of activity. So Frank Duran would interview
Speaker 4: them and sometimes say we shouldn't accept that one, or
Speaker 4: we should accept this one.
Speaker 5: Frank, how do you decide what to accept? I noticed
Speaker 5: when we were doing this one you didn't even want
Speaker 5: to show the place to. I mean you actually said, Tom,
Speaker 5: I don't think we should even bother showing the place
Speaker 5: to this person. You had a gut feeling that these.
Speaker 4: Are not genuine offers? How do you do that? That
Speaker 4: in itself is valuable and somebody might get upset saying,
Speaker 4: how dare you turn down an offer? Explain what you're
Speaker 4: thinking is on accepting an offer?
Speaker 6: Well, you know what, Tom, First, in terms of showing
Speaker 6: the property, if we're gonna make a personal showing up
Speaker 6: your property, we want to make sure they're qualified first.
Speaker 5: Okay.
Speaker 6: It's not so much that we wouldn't show to them.
Speaker 6: The issue is are they qualifying? Okay, provide that then
Speaker 6: we're wasting your time. And honestly, we don't know that
Speaker 6: we have a valid buyer. Well, we don't even who
Speaker 6: we're bringing it into your house unless we know more
Speaker 6: about it. That's fair in terms of checking an offer.
Speaker 6: I mean, obviously the seller is always going to make
Speaker 6: the call on that, not me. However, when I give
Speaker 6: my advice, I'm gonna show them things in the contract
Speaker 6: that they got to be careful for and maybe compared
Speaker 6: to a competing offer and say, Okay, this is what
Speaker 6: i'd recommend to you, and this is why I think
Speaker 6: this offera here at working as your advocate could potentially
Speaker 6: work against you. So those are the things we're just
Speaker 6: gonna spell out to you so you can make a
Speaker 6: good decision in the end.
Speaker 5: But ultimately we're gonna screen those things for you. Okay, Now,
Speaker 5: why would you turn down an offer?
Speaker 7: Why?
Speaker 6: Well, here, here's the thing with this. Let's say somebody
Speaker 6: comes in and they just don't have the qualification or
Speaker 6: it's a thing where they have.
Speaker 2: So even though it's a good offer.
Speaker 4: What good is it if it's gonna take the place
Speaker 4: off the market.
Speaker 5: For a while?
Speaker 6: Oh sure if they or they let's say they have
Speaker 6: a contingency. Let's say they have a home to sell,
Speaker 6: but they haven't even put that home on the market yet.
Speaker 6: Now my seller's taking a big risk because okay, well
Speaker 6: when's that home going to sell? We don't know when
Speaker 6: or if it's ever going to sell, and that could
Speaker 6: potentially add to days on market for that seller.
Speaker 5: So there's a number of things we look out for.
Speaker 6: Ultimately, the seller is going to be the one that
Speaker 6: makes They're the boss of this, not me, but I'm
Speaker 6: certainly going to give them my strong advice about it.
Speaker 4: All right, So we're going to now tell you after
Speaker 4: qualifying the offer and accepting it, what happens and why
Speaker 4: this price did not turn out to be an insult
Speaker 4: to people like people thought it may be.
Speaker 6: So we create a great demand, Tom, and I'll say
Speaker 6: there's several more we're gonna.
Speaker 4: Talk about that coming out. But sure, no, no, no, you
Speaker 4: can continue. But you were saying there's several nerve points,
Speaker 4: meaning what there are several nerve points. I'll share for
Speaker 4: it right now.
Speaker 5: What is a nerve point?
Speaker 6: So a nerve point is I call the nerve points
Speaker 6: when you're selling something, just triggers hit those kind of
Speaker 6: those triggers hit those key things. And two of the
Speaker 6: four things I'll tell you right now is what we
Speaker 6: call the law of time pressure and the law of scarcity.
Speaker 6: If we can find that sweet spot in the market
Speaker 6: where we're going to attract demand. But the buyer now
Speaker 6: feels like, Okay, this is going to be available for
Speaker 6: a very limited time. I better jump on this, okay,
Speaker 6: And I better get my A game, not my B
Speaker 6: or C or D game. I better get my best
Speaker 6: Oh wait, a minute. Now I have to compete with
Speaker 6: somebody else for the same thing that I want. Suddenly,
Speaker 6: the perceived value Tom goes through the roof. If you
Speaker 6: do it the right way, we'll talk about this.
Speaker 4: Yeah, well, I'm talking about a real life experience. Real
Speaker 4: life experience with Frank Duranda real estate Man dot com.
Speaker 5: More coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank Durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Artino
Speaker 4: here three oh three seven to one three talk seven
Speaker 4: one three eight two five five. Let's talk about your
Speaker 4: life liberty in the pursuit of happiness.
Speaker 5: Jeff, Welcome, what's going on?
Speaker 1: Jeff?
Speaker 16: Yeah, I just want and I haven't.
Speaker 4: Forgotten about my story about the condo. But I want
Speaker 4: to take callers first, as always, Jeff.
Speaker 5: Go ahead.
Speaker 16: Yeah. So, I want to give a shout out to
Speaker 16: brook Brook White with the Red Rock Roof and Solar.
Speaker 16: She's been doing a great job. They're installing a new
Speaker 16: solar for me, but they're also installing a half acre
Speaker 16: solar garden, and I was curious, Oh wow, retail on
Speaker 16: a house.
Speaker 4: Well, first of all, let me just say this, you
Speaker 4: could not have picked a better a better solar company.
Speaker 4: I want to say this, and I mean this sincerely.
Speaker 4: They know about so much now. They may not know.
Speaker 5: About the resale of your house, but this solar garden
Speaker 5: is going to make you positive cash flow. It's possible.
Speaker 5: Didn't she tell you that?
Speaker 16: Yep, sir, yep.
Speaker 5: Yeah.
Speaker 4: I mean, this is a guy doing solar first house,
Speaker 4: and he may end up making some money on it.
Speaker 4: People with commercial operations also can get it paid for
Speaker 4: by the government with REAP grants if you qualify. And
Speaker 4: as I said, I just I'm so happy you called.
Speaker 4: I'm glad you're having a good experience. Redrocksars dot com
Speaker 4: since we're talking about him. Red Rocks Roof and Solar
Speaker 4: three oh three seven zero four two four four nine
Speaker 4: seven zero four two four four nine. Now that I
Speaker 4: told you about them, and he has a solar garden,
Speaker 4: will that affect resale?
Speaker 5: Frank?
Speaker 4: What do you think? I don't know, but I would
Speaker 4: think if I have a solar system there and it's
Speaker 4: making me money, why would I care?
Speaker 2: Frank? What have you seen or.
Speaker 5: Heard from customers and solar systems?
Speaker 6: You know, Tom, I've never in all these years, I've
Speaker 6: never seen a buyer merely buy a home because of
Speaker 6: the solar system.
Speaker 5: Not because of it.
Speaker 6: No, it's always like this, this is what I is.
Speaker 6: They'll say, Okay, right, price, right area, Who I like
Speaker 6: the home? Oh it has solar two great, nice bonus?
Speaker 5: Right? But I've never has it ever deterred someone?
Speaker 2: Some really not a lot though, Oh give me an idea,
Speaker 2: Give me an idea.
Speaker 6: That's the challenge sometimes with solar, Tom is, it's almost
Speaker 6: like with some companies, it's like inheriting the measles man.
Speaker 4: It's okay, he could be a real They say, like,
Speaker 4: I don't want to take on that model.
Speaker 6: Gosh, And then when you sell the home to deal
Speaker 6: with the transfer.
Speaker 5: Some of those companies could be really hard to get.
Speaker 4: Let me ask you, Jeff, this is a good point.
Speaker 4: Is it easy to transfer to the new owner or
Speaker 4: will you own it outright?
Speaker 16: I'll own it out right. So there's a twofold piece
Speaker 16: here that's kind of interesting. So I have solar for
Speaker 16: the house that replaces my electric. This is a separate
Speaker 16: half acre of solar install on my property, and I'll
Speaker 16: own both. At least that's what Brook tells me is
Speaker 16: I will own both.
Speaker 4: Now the half acre on your property that's on your
Speaker 4: lot right, correct, and it will be a solar garden
Speaker 4: and you will own it. And that property, if it
Speaker 4: did not have the solar garden, would simply be just
Speaker 4: more of your lot.
Speaker 5: So it takes up part of the lot. But do
Speaker 5: you still have a lot of lot left over?
Speaker 16: Yeah, on one point eight acres. And I'm only using
Speaker 16: a happy.
Speaker 5: Okay, I think that's cool. Now, when you go out
Speaker 5: and look at where it's gonna be, do you feel
Speaker 5: it's going to be unsightly at all?
Speaker 16: Well, I guess that depends on your frame of mind. Right.
Speaker 16: For me, a figure income is not unsightly ever, But
Speaker 16: everybody has their own appoint it'll be just a standp
Speaker 16: you know, solar panels on the ground.
Speaker 4: Now when Brooke, when Brooke did the calculations for what
Speaker 4: your house will need and how much extra you may.
Speaker 5: Be selling back to the grid, what did it turn
Speaker 5: out to be?
Speaker 16: Well, that's that's a different solar system, and that solar
Speaker 16: system is I'm going to have ten percent over what
Speaker 16: I currently use.
Speaker 5: But what about the solar garden?
Speaker 4: So what I'm asking is what's going to be the
Speaker 4: positive cash foe? Approximately from the solar garden?
Speaker 16: We expect between twenty four and forty thousand a year.
Speaker 5: WHOA, Now, Now, wait a minute, So when you leave
Speaker 5: and sell that property and that goes to the new owner,
Speaker 5: why would they ever what are you kidding me?
Speaker 2: That would make their mortgage payment?
Speaker 16: That's what I was thinking. But I've had something.
Speaker 5: They could literally buy your house for free.
Speaker 4: I mean no, seriously, if I'm looking at okay, let's
Speaker 4: say let's say he makes let's say he only makes
Speaker 4: twenty thousand a year.
Speaker 5: Frank, Yeah, that's a big mortgage payment, right.
Speaker 4: I mean, you could end up advertising that house and
Speaker 4: net net people would have nothing to pay. How much
Speaker 4: is your whole house right now appraisal for? Approximately? What
Speaker 4: would it sell for right now without the.
Speaker 16: Solar, I think somewhere around nine hundred.
Speaker 5: Okay, do you know I feel man, if they can,
Speaker 5: if you can pull this off, what are you kidding me? So?
Speaker 4: Even at twenty grand a year, that's like sixteen hundred
Speaker 4: and sixty six dollars towards your mortgage. So somebody, I'm
Speaker 4: saying if Brooks said thirty to forty, she doesn't usually exaggerate,
Speaker 4: but let's say thirty, So thirty thousand, a twenty five
Speaker 4: hundred dollars payment a month, So frank, average what mortgage
Speaker 4: is nowadays? Four and five, five and six or what
Speaker 4: what are they normally like just for a normal for
Speaker 4: a house in that house payment for Yeah, in that range,
Speaker 4: I'd say about in that range, Tom, So it's paying
Speaker 4: half of their mortgage to buy your house.
Speaker 5: What are you kidding me? Who would not want that?
Speaker 5: I think it's a winner. I think it's a winner,
Speaker 5: and I think that income will trump.
Speaker 4: The site deterior whatever it is. And you know, solar's
Speaker 4: not ugly. It's just there.
Speaker 5: But they're not ugly. It's not like they're purple, you know, monstrosities.
Speaker 5: They're flat and they're dark.
Speaker 4: Suggest that solar garden is that solar garden totally separate
Speaker 4: from your home.
Speaker 1: Yes, so if your if your home.
Speaker 4: System doesn't produce a lot, or what I'm saying is
Speaker 4: it does, it's not connected at all.
Speaker 16: Correct, it'll be totally separate.
Speaker 5: What was what was the reasoning behind what was the
Speaker 5: reasoning behind that, sir.
Speaker 16: Income they're making use with the property.
Speaker 4: Yeah, but you could still you can still sell back
Speaker 4: to the grid and connected to your house, right.
Speaker 16: Well, apparently there's a difference. There's a difference. So with
Speaker 16: a solar garden, you have a contract with the electric company.
Speaker 16: You only sell, so you sell wholesale back.
Speaker 5: I get you. That's a wonderful idea.
Speaker 4: My goodness, you just did a commercial for redrocksars dot com.
Speaker 4: I mean, think about how many people might have some
Speaker 4: spare property to throw up a solar garden. Think about that, Jeff,
Speaker 4: I'm jealous. I'm jealous. I think you did a great thing.
Speaker 16: I heard her talk about it on your UH with
Speaker 16: Mark uh talking about it on your on your video station.
Speaker 16: That's why I called her up, and it looked well
Speaker 16: that's pretty damn cool. Yeah, happy to hear it.
Speaker 4: Okay, man, we got more coming up on the Troubleshooter Show.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance. Pay too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: seven to one.
Speaker 16: Help.
Speaker 4: You'll think you're his only customer when you choose Frank Duran,
Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three all three nine two zero sixteen
Speaker 4: twenty two.
Speaker 5: Hi Tom Martino, here.
Speaker 4: You have the Troubleshooter Show Major Mark Major myself. We
Speaker 4: got deputies, we're not deputy executive producer sues. We got
Speaker 4: Kachina Glory on the phones, we got Dragon on the controls.
Speaker 4: And my guest today is Frank Duran, the real Estateman
Speaker 4: dot com. So I'm going to continue the condo story.
Speaker 4: So here's what happened. Frank says, we're listed at this.
Speaker 5: It was a it was a it was a penthouse,
Speaker 5: beautiful condo.
Speaker 4: My neighbors were upset. The HOA was upset that I
Speaker 4: was asking the price I was asking on the market.
Speaker 4: It wasn't insulting, but it certainly was what people thought
Speaker 4: something was worth. My neighbor said, well, this is going
Speaker 4: to be very difficult for me because I want to
Speaker 4: list mine at one point five.
Speaker 5: And he says, and you're undercutting it.
Speaker 4: So then he listed his at one point five to eight,
Speaker 4: so he had some room. We listed ours at what
Speaker 4: we listed it at. It was one, it might have
Speaker 4: been one point four to nine orund whatever.
Speaker 13: It was.
Speaker 5: Okay, this guy gets offers, We get offers. Frank presents
Speaker 5: me with the final offer and it was somewhere in
Speaker 5: the neighborhood at one point seven. I made such a
Speaker 5: crapload of money on that condo and we set all
Speaker 5: records still hasn't been broken. The guy that was asking
Speaker 5: that price, he ended up selling for just under his
Speaker 5: listing price. So the guy that was bitching and moaning
Speaker 5: that I asked too little sold for less than I did.
Speaker 5: And if we were asking for less, that's what you
Speaker 5: call negotiating power.
Speaker 4: And I'm telling you it's a true life story. I mean,
Speaker 4: I may not have every penny to the penny documented,
Speaker 4: but what I meant was we sold for more. We
Speaker 4: set the record, and we started out.
Speaker 2: Asking for less.
Speaker 4: That's the art of negotiation with Frank rand Inrealestate Man
Speaker 4: dot com. We have more coming up on the Troubleshooter Show.
Speaker 4: You stick around, get your calls in three oh three
Speaker 4: seven to one three talk Go with a sure thing
Speaker 4: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance check
Speaker 4: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three oh three seven to seven to one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real Estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two.
Speaker 1: Ripped Up.
Speaker 12: News.
Speaker 2: You need advice so you don't have.
Speaker 3: You come run in sustas as you can. Shooter's gonna
Speaker 3: help coming man.
Speaker 1: This is the Troubleshooter Show. No Tom Martino, Hello.
Speaker 5: Tom Martino here.
Speaker 4: We're talking personal economy today. Things that can help you
Speaker 4: enhance your wealth, enhance your everyday life, or take away
Speaker 4: from it. One of the things we're talking about is
Speaker 4: real estate with Frank durand the real estate Man dot Com.
Speaker 5: We have him here today.
Speaker 4: We've been talking about when you buy into a neighborhood,
Speaker 4: do you buy into the lower end the upper end?
Speaker 4: If you can, you buy into the lower and your
Speaker 4: appreciation will be helped by the better properties around you.
Speaker 4: It's not so bad to have a medium or lower
Speaker 4: priced home in a neighborhood. Don't ever put in too
Speaker 4: much money on a home. And there are some improvements
Speaker 4: that do absolutely know good to a home that a
Speaker 4: lot of people believe they do.
Speaker 5: So let's talk about that.
Speaker 4: Frank Durant, what improvements to a home don't really count
Speaker 4: when it goes to sell?
Speaker 5: Is there anything or or not?
Speaker 6: You know, Tom, I would say this, they all add
Speaker 6: up to something, I suppose, but I would think the But.
Speaker 4: You've seen what people are not so turned on by
Speaker 4: and things that really turn people on. So let's talk
Speaker 4: about the stuff that doesn't make such a big splash.
Speaker 6: I'd say the things that don't make such a big
Speaker 6: splash is if somebody says, Okay, I'm going to replace
Speaker 6: the light fixtures with something like real expensive or yeah,
Speaker 6: you know, I'm not saying that they don't matter. They do,
Speaker 6: but they don't have the impact like a beautiful kitchen
Speaker 6: or flooring or an updated bathroom okay, and just a
Speaker 6: bit different or somebody's or for instance, like back to
Speaker 6: where talking, Oh I put new solar panels on. You
Speaker 6: know that's that's not gonna have the same Okay, what
Speaker 6: about windows? Who do people even look at windows? Or
Speaker 6: do they look at the whole house? See tell me
Speaker 6: they certainly do. But I would say that's another one
Speaker 6: of those things where the person says, okay, right price,
Speaker 6: right area, where I walk in, Oh I love this home.
Speaker 6: Oh it has new windows. Great, the windows is kind
Speaker 6: of that added bonus.
Speaker 5: Okay.
Speaker 2: So it's not like because of the windows.
Speaker 6: Sure yeah, I wouldn't say that would draw them in necessarily,
Speaker 6: you know, that wouldn't be one of.
Speaker 5: The key factors that draws them in.
Speaker 6: And many times sellers will tell me, they'll give me
Speaker 6: a list of things that they've done improvements, and I'll
Speaker 6: tell them, look, here here's what I think would really
Speaker 6: help you. Here, let's do the key things that's going
Speaker 6: to draw the buyer in. Let's hold these in our
Speaker 6: back pocket. Now they come and they liked the home. Oh,
Speaker 6: by the way, did you know it also has this this?
Speaker 10: No?
Speaker 5: I oh, now I'm even more excited about what I'm right.
Speaker 4: Somebody asked, what about swimming pools.
Speaker 6: I would tell you, in my experience, I've never seen
Speaker 6: a swimming pool add value, and it's going to be
Speaker 6: hit and missed because you get and I've sold homes
Speaker 6: of swimming I've.
Speaker 5: Heard some people it's a detriment.
Speaker 6: Some of them, you're right, it'll be a and others say, oh,
Speaker 6: need a swimming pool, But that's not the reason they bought.
Speaker 2: And built in hot tubs things like that.
Speaker 5: Now those are.
Speaker 6: Nice for good negotiating trade off sometimes or well, I go,
Speaker 6: so they're built in I guess maybe more permanent. But
Speaker 6: I had one recently tom that this is great and
Speaker 6: this is a good example of not giving away things
Speaker 6: for free.
Speaker 5: I had a seller and they said, hey, we have
Speaker 5: this hoteb.
Speaker 6: We'd like to leave it. And I said, well, let
Speaker 6: me ask you a question. If the buyer doesn't want it,
Speaker 6: what do you do. She says, well, we could just
Speaker 6: take it. I said, okay, then here's my advice to you.
Speaker 6: My advice to you is never offer something away for free.
Speaker 6: Save this because you could use it later in the
Speaker 6: transaction you like it, Okay, So long story short, lo
Speaker 6: and behold. The buyer did want the hot tub, and
Speaker 6: the seller says, okay, let's follow your advice.
Speaker 5: We said, well, we'll think about it. We didn't say
Speaker 5: yes or no.
Speaker 13: Yeah.
Speaker 6: Now we get to the inspection and they gave us
Speaker 6: a big laundry list Tom of things they want it fixed.
Speaker 6: It was a pretty long list. This is where we
Speaker 6: save this in our back pocket. So well we did.
Speaker 5: Now, there was a.
Speaker 6: Lot of strategy we really can't get into right now.
Speaker 6: But at the very end we came back says, look,
Speaker 6: I think your buyers mentioned they wanted.
Speaker 5: The hot tub. Is that right?
Speaker 6: Yes, right, okay, if the seller were to leave this
Speaker 6: hot tub, could we trade that off in lieu of
Speaker 6: the things you're asking for.
Speaker 5: And they came back and said yes, okay, And she
Speaker 5: didn't want it to begin with, No, she did was
Speaker 5: so it didn't cost my seller or anything.
Speaker 6: And on the same token, it had a higher perceived
Speaker 6: value because we saved it.
Speaker 5: We didn't give it away upfront for free.
Speaker 6: So one of the rules I tell you in a negotiation,
Speaker 6: Tom is never give away something for free because you
Speaker 6: lose perceived value when you do it and pull table.
Speaker 5: Yeah, same type of thing. Okay, same type of thing,
Speaker 5: I would agree. Yeah, Okay.
Speaker 4: Do man caves help one guy wants to know he
Speaker 4: has an awesome man cave?
Speaker 5: Does it help sell a home?
Speaker 6: It depends on the buyer, tob because right you get
Speaker 6: buyer a that comes in in my gosh, that speaks
Speaker 6: volumes to them.
Speaker 5: Buyer becomes this is g I'm.
Speaker 6: Getting rid of this and I'm going to turn into
Speaker 6: what I want to make it into. So it doesn't
Speaker 6: necessarily raise the value, but to a certain buyer that
Speaker 6: might get more excited about buying the home.
Speaker 4: What do you find as far as numbers of bedrooms?
Speaker 4: Magic number or not more the better?
Speaker 6: Or what I would say typically when buyer's shop that
Speaker 6: we work with, typically they're going to.
Speaker 5: Say three or more bedrooms.
Speaker 6: There are some exceptions to that rule, of course, but
Speaker 6: I would say three or more bedrooms is typically the
Speaker 6: minimum criteria most of our buyers look for.
Speaker 5: Okay, let me go to my notes here, because I
Speaker 5: should have had them up.
Speaker 23: People are at hey, Tom, when Frank here, oh negotiated
Speaker 23: my house out here in Franktown. I mean, he absolutely
Speaker 23: killed it. But then we move in and the people
Speaker 23: left the oldest big screen TV you've ever seen in
Speaker 23: your life in our basement. So then Frank called up
Speaker 23: and strong armed him to get it picked up. So
Speaker 23: they basically paid another five hundred to get rid of it.
Speaker 2: Man, it was a big giant Okay.
Speaker 4: And speaking of that, Frank, home theaters, I don't think
Speaker 4: you ever see anymore in house. Remember how houses had
Speaker 4: a dedicated home theater the upper end houses and it
Speaker 4: was considered the shiznits man because they would have like theater.
Speaker 5: Seating and sometimes and I thought they were pretty damn cool.
Speaker 4: But Mark, I don't think you've seen homes anymore recently
Speaker 4: with home theaters.
Speaker 17: Have you not like rooms like that?
Speaker 2: I agree with that.
Speaker 5: No, they build them in. They build everything. Is that right, Frank?
Speaker 5: Do they build them in?
Speaker 7: Yeah?
Speaker 6: I see it more built in nowadays. And excuse me,
Speaker 6: and from toe to the house itself? Correct?
Speaker 5: Yeah? Do you ever see any dedicated home?
Speaker 6: I just came from one actually a few days ago
Speaker 6: that did that. What they did is they built it.
Speaker 6: They actually hired a contract wow, to build like these.
Speaker 6: I don't even know how to look like these steps
Speaker 6: where the chairs can sit. Like a movie theater, Yeah,
Speaker 6: had a screen. It was really nice. It's teared, Yeah
Speaker 6: it was teared.
Speaker 5: Yeah.
Speaker 2: Wow, No, they are nice.
Speaker 4: But you know, when I had a home theater back
Speaker 4: in the day, it was a beautiful home theater.
Speaker 5: But what I found was when we're up in the
Speaker 5: family room and we're watching TV, we didn't feel like
Speaker 5: just getting up and going that room because it took
Speaker 5: away the intimacy of a family gathering. It was like
Speaker 5: we're all sitting facing forward on tiered seats and it
Speaker 5: was kind of weird. It was like you couldn't interact
Speaker 5: and talk. And when we had guests and we went
Speaker 5: in there, that was the same thing. It wasn't like
Speaker 5: we're we were like visiting. It was like you're at
Speaker 5: a frickin' movie. Yeah, they need to look at them.
Speaker 4: Okay, So home theaters, I would say, are not that important.
Speaker 4: Solar Like, there's a lot of stuff that, oh that's nice,
Speaker 4: but not the actual driving force. Okay, if you had
Speaker 4: to pick a driving force, what would it be. I
Speaker 4: think siding is so important. People don't know, don't understand this,
Speaker 4: but siding in windows for the exterior part of a
Speaker 4: home I think is very important because the siding, if
Speaker 4: it's dilapidated or the old T one to eleven or crap.
Speaker 4: I mean, you want to see something that you know
Speaker 4: is going to stand the test of time and that
Speaker 4: presents well.
Speaker 5: So I would tell people before they even bother.
Speaker 4: On the inside, because I've seen houses that are pieces
Speaker 4: of crap on the outside and inside they've spent all
Speaker 4: their money. So what do you think about exteriors of homes?
Speaker 6: Well, you know, tom great, because I'll tell you, especially
Speaker 6: in this market.
Speaker 5: Right now where buyers or maybe a little.
Speaker 6: More cash porcus or higher interest rates and those types
Speaker 6: of things, the first perception they see, Okay, the outside
Speaker 6: doesn't look very good. The first thing that they're thinking
Speaker 6: is ge, I'm gonna have to put money in the
Speaker 6: right exactly. So I agree with that one thousand percent
Speaker 6: that if you can have those that first impression makes
Speaker 6: a big difference before they.
Speaker 5: Even walk into the property.
Speaker 2: And don't you feel you said this before?
Speaker 4: Allowances you don't like like listing a home and having
Speaker 4: siding allowance or floor allowance or this allowance or that
Speaker 4: allowance that's something you can throw in for negotiations, but
Speaker 4: you don't want to do it up front.
Speaker 5: Explain that, well, Tom.
Speaker 6: Let me give you a really good example. Okay, this
Speaker 6: is a home I sold in Denver. This was an
Speaker 6: older Denver home built in the mid nineteen fifties, right
Speaker 6: directly across the street. These are very similar size homes,
Speaker 6: basically the same score footage. The home across the street
Speaker 6: put a little over one hundred thousand dollars and upgrades
Speaker 6: into it. I mean the place was sharp. You should
Speaker 6: have saw the basement on it. Okay, they sell for
Speaker 6: their asking price at seven twenty five, seven twenty five.
Speaker 6: Mine was like stepping in her time work, like the
Speaker 6: old Brady Bunch air. There was nothing done. There was
Speaker 6: no updates, green carpet, you name it. Just nothing was done.
Speaker 6: And the seller asked me should I put any upgrades? Frank,
Speaker 6: and I said, you know, my advice is absolutely not.
Speaker 6: My advice is, let's put more net profit in your pocket.
Speaker 6: So she's okay. We sold as is. So we strategically
Speaker 6: leveraged our price. So the home across the street, same home,
Speaker 6: seven twenty five, right, we put ours at six twenty
Speaker 6: five leverage. We ended up selling for six fifty three.
Speaker 6: So look at the net profit I put in my
Speaker 6: seller's pocket. They spent one hundred thousand to make seven
Speaker 6: twenty five. Now look at the price difference of six
Speaker 6: fifty three versus seven twenty five. That wasn't a huge difference.
Speaker 6: They actually spent more on upgrading that home, but didn't
Speaker 6: get the value back.
Speaker 5: Oh we had better now.
Speaker 2: So what you're looking for is that sweet spot as
Speaker 2: you call it?
Speaker 5: Absolutely?
Speaker 2: How do you calculate it?
Speaker 5: Frank?
Speaker 6: I study everything, Tom. I look at the history of
Speaker 6: the area. I look at the percentage homes have been
Speaker 6: going up per month. I look at the supplying demand,
Speaker 6: and there's so many factors I look at.
Speaker 5: You know what's funny, Mark, He doesn't look that smart,
Speaker 5: does he? My wife says the same.
Speaker 4: Thing, Tom three O three seven one three talk seven
Speaker 4: one three eight two five five more. Right after this,
Speaker 4: go with a sure thing Denver's Best roofer Excel roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call compass insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one.
Speaker 16: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two.
Speaker 5: I'm Tom Martino, your troubleshooter. Let's talk to Phil. Phil,
Speaker 5: what's happening?
Speaker 25: Give me a load of my neighbors down in the
Speaker 25: oasis of frank Town. I got a question on citing.
Speaker 25: We had Cuar SiGe. Yes, we upgrade to upgrade to
Speaker 25: the hardy board, which we love, pretty pricey. But would
Speaker 25: that be an added value to an outright out of
Speaker 25: added value to a house field?
Speaker 5: Okay, so he went from cedar siding to hardy. What
Speaker 5: do you think, Frank.
Speaker 6: Durant, I'd say, once again, that's preference. You know, what's
Speaker 6: that saying?
Speaker 5: Beauty's in the eye of the beholder.
Speaker 6: I think to one person they might see something in that,
Speaker 6: but it's still got to be able to like the
Speaker 6: home and the price points. So I don't know if
Speaker 6: that necessarily adds value. But to certain buyers they're gonna say, boy,
Speaker 6: that's a nice touch.
Speaker 5: I like that.
Speaker 6: That's that's really the the the cherry on top.
Speaker 4: Well, I want to ask you this some first, Phil,
Speaker 4: What was the cedar siding like?
Speaker 2: As far as condition, I thought was terrible.
Speaker 25: We had the flicker with the big ones just drilling
Speaker 25: holes in the side of the house. Every single year
Speaker 25: we had repainted problem. Now what we got the house
Speaker 25: go ahead?
Speaker 18: No?
Speaker 5: No, I just want why did you go with James Hardy.
Speaker 25: For the mostly the maintenance costs and very little maintenance.
Speaker 25: It was very pricey. But you know that's that color
Speaker 25: impregnated cement board off the birds and the squirrels. But
Speaker 25: it's a lot less maintenance to it. Also, and what
Speaker 25: is it?
Speaker 5: Does it look really beautiful?
Speaker 25: Oh, it looks great. Ours is a darkest brown with
Speaker 25: white trim.
Speaker 10: And it looks great.
Speaker 25: And all the neighbors say, you got to bring home there,
Speaker 25: you know when they go when they drive by.
Speaker 13: No, no, it looks good.
Speaker 4: Well, I know people that are just elated with their
Speaker 4: James Hardy siding and they love it.
Speaker 5: And also, isn't it impervious to hall?
Speaker 25: It is to a point, I mean, you can have
Speaker 25: some of the hell we have here. You know, it
Speaker 25: could probably do some superficial damage to it, but they
Speaker 25: claim that it is. But you know, you know how
Speaker 25: that goes.
Speaker 2: Okay, what else did you look at?
Speaker 4: Did you ever look at maybe doing a stucco or
Speaker 4: anything else, or did you just go straight to dreams?
Speaker 5: Hardy?
Speaker 25: Now, our neighbor across the street did stucco and that
Speaker 25: came out pretty good. But they're having problems with that's
Speaker 25: flaking off party after about I think four years.
Speaker 5: Well that's because it wasn't done right, because stucco stucco
Speaker 5: should be like stone if done correctly. All right, thank
Speaker 5: you Phil for that comment.
Speaker 4: Frank Durand says, it's nice, but it's probably not gonna
Speaker 4: make or break a sale, unless, of.
Speaker 5: Course, it was just a piece of garbage before.
Speaker 4: Now, Frank, somebody here wants to know about brick homes.
Speaker 4: Do brick homes have a special place in people's hearts?
Speaker 5: Do they have a special yeah?
Speaker 2: Like do people say, oh wow, brick.
Speaker 6: That's great, no maintenance? Boy, Tom, another good question. I
Speaker 6: cannot recall any buyer or though ever say oh because
Speaker 6: it's brick, I'm gonna buy, or say yes because or
Speaker 6: no because right. But I'll say this too. I sell
Speaker 6: enough of these homes were certain areas if they're at
Speaker 6: a certain price point, certain areas are gonna have a
Speaker 6: lot more brick homes anyway, So it's kind of even
Speaker 6: playing fields.
Speaker 5: Okay, here's what I want to say, and I have
Speaker 5: I just I just feel this way.
Speaker 4: I feel that stone, not brick, but stone on a
Speaker 4: house is an absolute eye catcher for curb appeal. It
Speaker 4: gives us certain elegance to it. Real stone.
Speaker 5: Well, I don't know if it's real stone, but you
Speaker 5: know that stone facade either f or or maybe A
Speaker 5: lot of houses have one hole set. Yeah, what do
Speaker 5: you think?
Speaker 13: Well?
Speaker 6: Absolutely, because of the cost and something like same thing
Speaker 6: tom in certain price points, that can make a big difference.
Speaker 6: If you, let's say you had two similar sized homes,
Speaker 6: one stuck who one's not or one stone one's not.
Speaker 5: That can make a difference. All right. So there is
Speaker 5: a joke my wife and I have when we're driving
Speaker 5: through a neighborhood and there's two kinds of houses.
Speaker 4: One is the Joanna Gaines house. They're twin peaks. Have
Speaker 4: you ever seen their coming up all over? I mean
Speaker 4: they're exactly the same house where you have a peak
Speaker 4: like with a dormer, you know, with the peak on
Speaker 4: one and so there's twin peaks, one on the left,
Speaker 4: one on the right, with a little thing connecting them
Speaker 4: in the middle.
Speaker 5: Have you seen them? I know you see have seen them?
Speaker 5: Twin peaks.
Speaker 4: They're usually black because that's what she advocates. Some of
Speaker 4: them make them dark gray, some make them blue or whatever,
Speaker 4: but they're I call them twin peaks, okay, And that's
Speaker 4: all Joanna Gaines. I mean, it's amazing the influence that
Speaker 4: TV shows have on neighborhoods. But the other one we
Speaker 4: joke about, Frank Lloyd, right, was the first guy that
Speaker 4: came out and started making Back then, it looked like
Speaker 4: space age homes. They were all geometric, square, rectangle, do
Speaker 4: you remember, Like, Okay, I call them Frank Lloyd wrong
Speaker 4: because they suck. They're the most unappealing homes in the world.
Speaker 4: They're what you call modern, and what's really amazing to me,
Speaker 4: even today, we call them modern, meaning more modern than today,
Speaker 4: because architecture never went that way.
Speaker 5: But every now and then.
Speaker 4: You have this beautiful, conventional homes in a neighborhood, really
Speaker 4: rich neighborhood, and in the middle you have this square
Speaker 4: piece of crap with a with a like a lean
Speaker 4: to roof, you know, and it's like it's steel and black,
Speaker 4: or steel and white, or or light steel or red steel.
Speaker 5: I have never seen.
Speaker 4: Okay, I want to ask you, have you sold any
Speaker 4: of those Frank Lloyd Wrong homes?
Speaker 5: Tom? I don't think so.
Speaker 2: I haven't listened to any.
Speaker 5: I don't recall ever. No, you know what I'm talking
Speaker 5: about that you drive through a neighborhood, they stick out
Speaker 5: like a sore thumb mark. Do you know what I'm
Speaker 5: talking about. I don't recall.
Speaker 17: Mark for the most part.
Speaker 4: You know those houses, you know, those modern so called
Speaker 4: they look like out of George Jetson, you know they
Speaker 4: have I call him.
Speaker 5: They're flame.
Speaker 4: They're definitely a derivation of Frank Lloyd Right. Frank Lloyd Right.
Speaker 5: If you look him up, was was this geometric kind
Speaker 5: of modern designer. I mean he's not, but he's done
Speaker 5: some fabulous buildings and everything. One of the most fit,
Speaker 5: probably one of the most famous architects ever to live,
Speaker 5: Frank Lloyd Wright. But the houses just suck. And I'm
Speaker 5: wondering if people ever say, yeah, I want to get
Speaker 5: one of those kinds of houses. I just wondered and
Speaker 5: so it's just one of those things that you think, gosh,
Speaker 5: dang it, can you believe it? So, Frank Lloyd Wright,
Speaker 5: in my opinion, was the worst thing to ever happened
Speaker 5: in houses. But there they are, Frank, to see what
Speaker 5: I'm talking about. Let's see those those kinds of houses,
Speaker 5: you know, you know what I mean. They're just like
Speaker 5: and the decks have like walls, you.
Speaker 4: Know, solid concrete walls, and they're so unattractive. Look it
Speaker 4: up online if you guys don't know what I'm talking about.
Speaker 4: They he did make a lot of interior designs as well,
Speaker 4: and furniture and all of that stuff. I'm Tom Martinez
Speaker 4: three O three seven one three eight two five five.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. This hour
Speaker 4: brought to you by American Financing three oh three six
Speaker 4: nine five seven thousand.
Speaker 5: Get rid of high interest debt. Mortgages have dipped into
Speaker 5: the fives, and they can do home equity loans with
Speaker 5: no money up front. Uh to get this start at
Speaker 5: three oh three six nine five seven thousand.
Speaker 4: All right, now we have U. I have some texts
Speaker 4: I wanted to get to. I sold my house by
Speaker 4: owner with zero issues. I looked at comparable properties myself.
Speaker 4: I was firm on my asking price. Well that doesn't
Speaker 4: mean you did agree job, but okay, who knows what
Speaker 4: you could have done?
Speaker 7: Right?
Speaker 4: And then when the buyer's agent presented me with an
Speaker 4: offer I liked, I paid a broker two hundred dollars
Speaker 4: to review it, and then I got my asking price
Speaker 4: and was out only two hundred dollars for the entire transaction.
Speaker 23: But how do you know you didn't leave twenty thousand
Speaker 23: on the table?
Speaker 5: Hello, that's the point I'm trying to make.
Speaker 4: Just because he got his asking price, Frank has always
Speaker 4: gotten me my asking In fact, he's always gotten me
Speaker 4: more than an asking price. In fact, I never knew
Speaker 4: I could get what he wanted me to get, and
Speaker 4: I would always It always starts out the same, Frank,
Speaker 4: why are we asking so little?
Speaker 5: Or and why are we getting so much?
Speaker 2: I mean it's like, how do we know that we
Speaker 2: did to sold this for?
Speaker 5: Yeah?
Speaker 4: I mean you know, I at some point I just
Speaker 4: had to sit back and h Anyway, So someone said, Tom,
Speaker 4: aren't water heater's glass lined? And you said a sacrificial
Speaker 4: anode keeps it from being the from being rotted. Yes,
Speaker 4: newer tanks are glass line, but listen carefully. There are
Speaker 4: always tiny imperfections in the glass lining that develop over time,
Speaker 4: and the tanks can still rot out being glass lined.
Speaker 2: Mind you, it takes a lot longer, but it can.
Speaker 5: Be rotted out.
Speaker 4: You still need sacrificial anode replacement to keep those tanks forever.
Speaker 5: Now, Andrew, what is your question, sir? Go ahead, Andrew, I'm.
Speaker 22: Just curus to just feedbacking on the brick home crept question.
Speaker 22: I've seen some home owners actually paint over the brick,
Speaker 22: and I mean, some of them look amazing, but I
Speaker 22: don't know if there's if there's any loss a value
Speaker 22: because that or well, if.
Speaker 4: You talk to a purist and they see paint over brick,
Speaker 4: they can't stand it. I mean, it really defeats the
Speaker 4: whole purpose of the non maintenance. It defeats the entire purpose.
Speaker 4: But Frank, do you know if it makes a difference
Speaker 4: when it actually comes to sale.
Speaker 6: Boy, Tom, I think once again, and I've seen that,
Speaker 6: and I've seen that, and I think it just depends
Speaker 6: on the buyer. It depends on why they're buying, because
Speaker 6: I've seen people not even care there was painted. I
Speaker 6: don't even care. I like the home works for me.
Speaker 10: You know.
Speaker 5: I think that's really the truth.
Speaker 4: Andrew, it really depends if you get a purist though,
Speaker 4: that wants a brick house, They're never going to accept paint.
Speaker 5: Now, do you have a brick home.
Speaker 22: Yes, and it's actually like a green brick and it's
Speaker 22: got like two different tones on a kind of like
Speaker 22: a text brick too.
Speaker 5: Do you not like it or do you like it? No?
Speaker 5: I like it.
Speaker 22: But I remember when we were looking at home, there
Speaker 22: were some of them that we looked at that they
Speaker 22: painted over the brick, and I mean it looked beautiful,
Speaker 22: but I just didn't know if there was any loss
Speaker 22: and value because no.
Speaker 5: The value, that's all a matter of reception and it's
Speaker 5: all subjective.
Speaker 4: There is no rule of thumb on that. Thank you
Speaker 4: for calling Andrew Steve Moss. Thank you man. Steve Moss
Speaker 4: is here to talk about do what do we call it?
Speaker 4: It's not my Steve brewery?
Speaker 5: I know? But what is rock and roll brewery? What
Speaker 5: are they considered? Small batch breweries? They're not home breweries,
Speaker 5: they're not microbreweries. What are theyation? Steve? Is he there?
Speaker 5: I thought he was on the line.
Speaker 4: Hey, Steve, what do you classify your your brewery as?
Speaker 5: What yours? And others that size?
Speaker 2: What are they? What are they?
Speaker 13: Well, you know, some people call micro brewery would be
Speaker 13: something that you're you know, a small brewery that distributes
Speaker 13: or a you know, a brew probably be a place
Speaker 13: where you can go and you know, okay, but.
Speaker 4: But but you don't have the brew pub, right you
Speaker 4: don't have the pub anywhere?
Speaker 5: You just have your micro brewery right.
Speaker 13: No, No, it's it used to be like that, and
Speaker 13: I used to just distribute or sell at the racetrack
Speaker 13: or festivals, but now everything has changed. I got approved
Speaker 13: for local permit with the county and the state to
Speaker 13: have now a brewery visits and it's going to start
Speaker 13: May third. I can only do it six months a
Speaker 13: year because it's sort of a residential ranch area. They
Speaker 13: put restriction restrictions on us.
Speaker 2: But wait, so you're seasonal.
Speaker 5: It's seasonal, seasonal.
Speaker 13: Yes, it's warm weather. It's going to be May May
Speaker 13: third this year it starts. So it's May through October
Speaker 13: every year and every Saturday from two pm to nine pm.
Speaker 13: And it's by appointment. If you go to the website
Speaker 13: rock and roll dot beer. That's not dot com, it's
Speaker 13: rock and Roll. It can be n or Andy rock
Speaker 13: and roll dot beer. Go un your appointments scheduling and
Speaker 13: you can schedule. Let's say you could start scheduling for
Speaker 13: Ay third, so it'll be like homebrew. You know, clubs
Speaker 13: or the general public. You know there is a policy,
Speaker 13: you know, a policy we people to sign and make
Speaker 13: sure it's responsible and not rally and you know it's
Speaker 13: I got to keep my place clean because of a location.
Speaker 4: Now I want to ask a few things. So am
Speaker 4: I to am I to take that?
Speaker 5: It's May third through October, but only on Saturdays, only.
Speaker 13: Saturday from two pm. There's different three different time slots
Speaker 13: you can book when you're on the website, but it's
Speaker 13: two pm through nine pm, and it'll be it's a
Speaker 13: beer garden. It'll be things to do like cornerhole games
Speaker 13: and stuff like that. And you know, we'll have seventeen
Speaker 13: different beers to choose from. We have a lot of
Speaker 13: stuff for sale, really cool stuff. They can buy package
Speaker 13: if they want, but it's generally package. Liquor is going
Speaker 13: to be cheaper in a liquor store somewhere. But anyway,
Speaker 13: all right.
Speaker 5: I already got a text about it.
Speaker 2: We all hold on. I already got a text about it.
Speaker 13: We also have one.
Speaker 4: Just hold on, hold on, Steve, Steve, Steve. We're talking
Speaker 4: over each other. It's my fault.
Speaker 5: I have a text I need to get to.
Speaker 4: They want to know can they book a Saturday only
Speaker 4: for their group for their event.
Speaker 13: That's funny. I was just on the website when you
Speaker 13: guys called me. I'm putting that link on there right now.
Speaker 13: In a few minutes, we'll be on there. You can
Speaker 13: book two different time slots for weddings, corporate events, parties,
Speaker 13: b you know, Brooke nic or whatever. I'm gonna have
Speaker 13: it where you can do from two pm to five
Speaker 13: thirty pm and then five thirty pm to nine pm,
Speaker 13: two different slots, and you can book them both. If
Speaker 13: you wanted to hold, you have to book. You know,
Speaker 13: you have to pay a deposit. I'm coming up with
Speaker 13: what you know what that would cost to reserve it.
Speaker 13: Everything's gonna be pretty affordable because tom As you know,
Speaker 13: I make my living writing jingles and stuff like that,
Speaker 13: like the tree Farm jingle. So I don't care about
Speaker 13: how much money I make with beer. I just love
Speaker 13: doing it.
Speaker 5: Yeah, and you have great beer Mark.
Speaker 2: Didn't you try beers?
Speaker 17: I have tried everything he makes. Man, they're delicious.
Speaker 1: You do you?
Speaker 5: Yeah, So I'm gonna.
Speaker 17: Get get out there on May third. If we're in
Speaker 17: town for sure.
Speaker 5: Steve, what is the uh?
Speaker 13: I may have entertainment, entertainment sometimes you know it's gonna
Speaker 13: be No, we're not going to do a big, giant,
Speaker 13: loud concert because of the area, but we'll have you know,
Speaker 13: maybe a small Cajun band and a corn roast.
Speaker 4: Well, why don't you give the area? Where where is
Speaker 4: it located? Give the location?
Speaker 13: It's a well, they have to book it. They can't
Speaker 13: just show up here. But it's it's unincorporated Well County
Speaker 13: across the street from Firestone city limits. But it's a
Speaker 13: go on the website and the address will be there.
Speaker 5: Okay, rock and roll dot all right, Okay, rock and
Speaker 5: roll dot beer.
Speaker 13: Yeah, it's far enough away from Long Month, so we
Speaker 13: don't have the automotive all the scams that go on
Speaker 13: with the automotive people in longmout.
Speaker 4: Right, tom oh it Greeley has. Greeley has a bunch
Speaker 4: of automotive scams too. In fact, if you want to
Speaker 4: know the truth, World County, the government up there, there
Speaker 4: are a bunch of corrupt a holes if you want
Speaker 4: to know the truth.
Speaker 13: But I mean, you know, may this pass piece, So
Speaker 13: I'm not going to say something too mean.
Speaker 4: No, no, no, I don't want you to get involved
Speaker 4: in that. I don't want them to come down on
Speaker 4: you because of me. So listen Saturdays now, if people
Speaker 4: want to get a hold of your beer, though, where
Speaker 4: can they buy it?
Speaker 13: Okay, well, let me just go over the capacity for
Speaker 13: us on the Saturdays. It's no more than twenty five
Speaker 13: at a time any given Saturday. And then I get
Speaker 13: one special event a year right now, I have August
Speaker 13: second on there. But we haven't decided exactly. We'll post
Speaker 13: all that stuff and advertise with it. Well, one special event,
Speaker 13: I can have up to seventy five people at one time,
Speaker 13: and that would be from two in the afternoon until
Speaker 13: ten at night. But I only get one of those
Speaker 13: a year, So maybe we could do k how Tom
Speaker 13: martinro khwbash to raise money for something.
Speaker 5: That might be cool coalition.
Speaker 4: People can get a hold of you. People can get
Speaker 4: a hold of you rock and roll dot Beer. I
Speaker 4: have a few questions. I can't believe the lush crowd
Speaker 4: we must have because I got three texts since you've
Speaker 4: been started, but I haven't had a chance to ask you,
Speaker 4: but I'll do it right after this. They're beer related
Speaker 4: questions coming up. How's that for a tease? On the
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Speaker 2: You don't pay a cent until you're content.
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Speaker 2: Find out now three O three seven to seven to one.
Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot to list your home
Speaker 4: with Remax Alliance.
Speaker 5: Three oh three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martino here three oh three seven one three
Speaker 4: talk seven one three A two five five. Steve, We're
Speaker 4: talking to Steve Moss, a micro brewer rock and Roll
Speaker 4: Dot Beer. He runs an advertising agency. He does this
Speaker 4: on the side, but it's become a major passion for
Speaker 4: him to where he distributes.
Speaker 2: His beer, Rock and Roll Dot Beer.
Speaker 4: He distributes to local stores and also to the raceway.
Speaker 4: Is it you're still doing the racetrack, right.
Speaker 13: Steve, Yes, sir, And that's a good subject because, uh,
Speaker 13: wholesale really kills the small brewery after the price of
Speaker 13: what it costs me to brew. And I'm not cheap.
Speaker 13: I put That's why my beer tastes so good. I
Speaker 13: put money in that stuff, and you know, I really
Speaker 13: sell it to wholesale and liquor store is about the
Speaker 13: same is what costs me. So I don't make anything
Speaker 13: so right now after now that this is approved, you
Speaker 13: can only get our beer at our beer garden or
Speaker 13: at Colorado National Speedway. Because I do still sponsor really
Speaker 13: I sponsor the beer garden there. I sponsor race divisions,
Speaker 13: pure stocks, and they sell my beer there, so you
Speaker 13: can only get it at the I'm still going to
Speaker 13: take care of those guys. They always take care of me.
Speaker 13: So you're going to, you know, buy our beer at
Speaker 13: the racetrack and then our beer garden and that's the
Speaker 13: only place you're going to get it. And it's good stuff.
Speaker 7: Wow.
Speaker 5: And when does the race track open?
Speaker 13: Their first race is? I believe May I think it's
Speaker 13: probably May third, the same day we're have our first event,
Speaker 13: and it'll be true Ophices and we'll still go out
Speaker 13: there and you know, bring our tent and still sell
Speaker 13: stuff once a while and let them sell our beer,
Speaker 13: but we'll probably just sell merchandise. Uh, you know. So
Speaker 13: uh it's it's messy with two liquor licenses together. The
Speaker 13: state does not like that. They don't like it where
Speaker 13: you know, you're using two liquor licensees together selling retail.
Speaker 13: So you know, we we probably won't we won't sell
Speaker 13: retail out there, but we'll sell our merchandise.
Speaker 7: I wanted to mention, all right, let's.
Speaker 2: Talk about.
Speaker 5: Yeah, let's talk about favors.
Speaker 4: What's little beer what's the weirdest go ahead with your
Speaker 4: beer garden?
Speaker 5: First, Uh, well, I.
Speaker 13: Just want to say it's it's a small setting, but
Speaker 13: it'll be fun. We're we're gonna put one of those
Speaker 13: soccer pool you ever see that. It's like soccer balls.
Speaker 13: It looks like a big pool table on the ground
Speaker 13: and you use soccer balls for the pool balls and
Speaker 13: you kick it with your feet.
Speaker 5: Cool.
Speaker 13: Cool, And we're looking at putting in a small minister
Speaker 13: golf just pre you know, it won't cost anything to
Speaker 13: play it.
Speaker 17: Frisbee golf.
Speaker 4: Let's talk about let's can we talk about the beer,
Speaker 4: since that's what we're talking about.
Speaker 2: What are the.
Speaker 5: Weirdest flavors that you have? The weirdest flavors?
Speaker 13: I got some weird one. I got some weird ones.
Speaker 13: I got a sour. Puss is a sour. It's a
Speaker 13: German donkele wives in German blueberries sour. And it's my
Speaker 13: lightest beer taste wise, and it's my lightest beer alcohol wise.
Speaker 13: But it's black. I mean, if you put it up
Speaker 13: to the light, you'll see a little blue. It's really good.
Speaker 13: It's really interesting. And then we got a pineapple pitstop.
Speaker 13: I did that one that's a triple I p A.
Speaker 13: It's a nine percent alcohol that one. You gotta be careful.
Speaker 13: We serve that in real small glasses. But that one's
Speaker 13: for the race track I did. And it's actually a
Speaker 13: picture of me racing on that can. So we got
Speaker 13: some pretty weird ones.
Speaker 5: Okay.
Speaker 13: You know, like a lot of people, a lot of
Speaker 13: breweries have flavored beers.
Speaker 2: He's got great I pas.
Speaker 5: What is the most got the best job popular? What
Speaker 5: is the most popular flavor?
Speaker 13: You know, I would say that zombie jam. If you look,
Speaker 13: you know, you look on the internet. I was written
Speaker 13: it was a famous English author brew author from England
Speaker 13: that toured the United States in the eighties and early nineties,
Speaker 13: and I'm written in his book that's a whole lot
Speaker 13: I've been brewing all right. You know, I got it.
Speaker 5: I'm gonna take a break down.
Speaker 4: Rock and Roll dot Beer for more information for him
Speaker 4: and Frank Ran the real estate Man, has been our
Speaker 4: guest today.
Speaker 5: Frank, thank you so much for being here.
Speaker 4: You can always reach Frank at three oh three nine
Speaker 4: two zero sixteen twenty two.
Speaker 2: Save all your problems for me.