WEBVTT 1 00:00:00.640 --> 00:00:06.000 Yeah, ripped up. 2 00:00:07.599 --> 00:00:10.720 You need advice, so you don't. 3 00:00:10.560 --> 00:00:17.879 Have come running suspass as we can. Shooter's gonna help 4 00:00:18.160 --> 00:00:22.199 come man, This is the Troubleshooter Show. 5 00:00:22.839 --> 00:00:25.640 Now Tom Martino, Hello. 6 00:00:25.519 --> 00:00:28.480 Tom Martino here, Welcome to the show. We as you 7 00:00:28.600 --> 00:00:32.079 know if you've been tuning in. This is the longest 8 00:00:32.119 --> 00:00:34.399 running radio show in America with the same host still 9 00:00:34.399 --> 00:00:37.320 on the air, and I would say one of the 10 00:00:37.359 --> 00:00:40.719 most productive shows when it comes to actually making a difference. 11 00:00:40.799 --> 00:00:42.759 Now what do I mean by that. I mean there 12 00:00:42.759 --> 00:00:43.240 are a lot. 13 00:00:43.119 --> 00:00:45.640 Of great shows out there. Most of them, let's face it, 14 00:00:45.679 --> 00:00:51.439 their politics and they want to convince you or get 15 00:00:51.479 --> 00:00:53.159 you to their side. What I want to do is 16 00:00:53.200 --> 00:00:54.560 help you not be ripped off. 17 00:00:55.759 --> 00:00:56.280 That's it. 18 00:00:56.799 --> 00:01:01.240 Three oh three seven to one three talk three seven 19 00:01:01.320 --> 00:01:03.600 one three A two five five. You can get right through. 20 00:01:04.040 --> 00:01:06.760 You can also call three oh three Martino twenty four 21 00:01:06.760 --> 00:01:11.799 to seven three oh three six two seven eight four 22 00:01:12.120 --> 00:01:15.239 six six. Now that number is cool because when we're 23 00:01:15.280 --> 00:01:19.200 not here, it goes to our office, our voicemail. If 24 00:01:19.239 --> 00:01:22.920 you leave a message, we will call you back. So 25 00:01:23.000 --> 00:01:25.480 there's no excuse not to get on the air. If 26 00:01:25.519 --> 00:01:28.439 you have a problem, a question or complaint. Now you 27 00:01:28.560 --> 00:01:31.280 may have heard some things in the newsday consumer related. 28 00:01:31.359 --> 00:01:33.319 We have a bunch of things to talk about. First 29 00:01:33.319 --> 00:01:36.719 of all, I did get a bunch of texts from 30 00:01:37.319 --> 00:01:40.319 Eric from yesterday, the guy who claims somebody called them 31 00:01:40.319 --> 00:01:44.480 a racist. I'm going to go over that briefly in 32 00:01:44.560 --> 00:01:44.879 a minute. 33 00:01:44.920 --> 00:01:45.120 Here. 34 00:01:46.000 --> 00:01:49.120 We also have some consumer trends going on that I 35 00:01:49.159 --> 00:01:54.879 want to get to. One of the consumer problems from yesterday. Really, 36 00:01:55.120 --> 00:01:57.480 after I looked at it, Mark, it really bothered me. 37 00:01:58.519 --> 00:02:00.000 We're talking to ours a lot of them. 38 00:02:00.439 --> 00:02:04.000 Mark this one with David, the Florida photographer who rented 39 00:02:04.040 --> 00:02:08.120 a car out at DIA and then was sent I 40 00:02:08.240 --> 00:02:11.680 did an envoyed this morning. By the way, I looked 41 00:02:11.719 --> 00:02:14.319 at those photos and then I talked to people about it, 42 00:02:14.840 --> 00:02:19.000 and every one of them said, this is normal road rash. 43 00:02:19.199 --> 00:02:22.240 How do you target all of those little dings to 44 00:02:22.400 --> 00:02:26.159 one person who rented a car. It's not damaged like 45 00:02:26.240 --> 00:02:30.360 he dented or even hail damage or we're I. 46 00:02:30.400 --> 00:02:32.639 Mean they're all over, they're scattered all over the car. 47 00:02:33.080 --> 00:02:37.159 Virtually impossible to nail on one user one time. And 48 00:02:37.199 --> 00:02:39.479 I think there's more to it, and this guy's got 49 00:02:39.520 --> 00:02:42.879 to really take some action, because the more I look 50 00:02:42.919 --> 00:02:47.800 at it, I'm thinking, even as a social post, they're tiny, 51 00:02:48.199 --> 00:02:51.479 tiny little spots when you go and rent a car. 52 00:02:51.599 --> 00:02:54.159 I've done this, and even with loaner cars, at vehicles 53 00:02:54.199 --> 00:02:57.680 they have told me, hey, don't worry about that. We 54 00:02:57.719 --> 00:03:00.159 don't look at normal nicks and stuff. We look at 55 00:03:00.199 --> 00:03:04.360 like damage, okay, or a dent maybe bigger than a quarter. 56 00:03:04.439 --> 00:03:09.240 They would tell me, I look at I've never been 57 00:03:09.360 --> 00:03:12.080 dinged for little things like this. What was the name 58 00:03:12.120 --> 00:03:14.800 of the company. I think it was a new company 59 00:03:15.199 --> 00:03:17.240 that he had rented from, and I never heard of 60 00:03:17.240 --> 00:03:22.240 the company before, but it was a weird name, some 61 00:03:22.479 --> 00:03:26.199 company that I've never heard from. Heard about that. He 62 00:03:26.240 --> 00:03:28.960 didn't put it in his email. But I want to 63 00:03:29.360 --> 00:03:33.599 revisit this because it is a problem that really bothered me. 64 00:03:34.479 --> 00:03:38.520 Now another thing today you've heard and you'll hear in 65 00:03:38.560 --> 00:03:43.400 the news that in Colorado there is a revised lemon 66 00:03:43.479 --> 00:03:46.759 law taking effect or revisions in the current lemon law. 67 00:03:48.120 --> 00:03:53.360 Here's the problem. Even though it's revised, the lemon law 68 00:03:53.439 --> 00:03:58.240 has absolutely no teeth. People think if they have a 69 00:03:58.360 --> 00:04:03.919 lemon by law that you have to take the car back. 70 00:04:03.960 --> 00:04:08.080 If you're a dealer, or give a refund. Not true 71 00:04:08.199 --> 00:04:13.680 at all. In Colorado, a lemon law simply defines a lemon, 72 00:04:14.360 --> 00:04:16.920 and there have been changes made to that law that 73 00:04:16.959 --> 00:04:20.720 will go over. One of the main things is it 74 00:04:20.800 --> 00:04:24.439 used to be the first year or twelve thousand miles 75 00:04:25.120 --> 00:04:33.399 or the warranty period, whichever is shorter. Now it expands 76 00:04:33.480 --> 00:04:39.000 the time to twenty four thousand miles or two years. 77 00:04:39.879 --> 00:04:42.839 But I haven't read the exact text, so I'm not 78 00:04:42.879 --> 00:04:46.199 sure if they go beyond the normal warranty period. 79 00:04:46.240 --> 00:04:47.079 I think they. 80 00:04:46.920 --> 00:04:51.839 Do, but we'll have to see. Also, it used to 81 00:04:51.920 --> 00:04:54.560 be that if you lost the use of your vehicle 82 00:04:54.600 --> 00:04:57.319 for thirty days, it was considered a lemon. 83 00:04:57.399 --> 00:04:59.240 Now it's down to twenty four days. 84 00:05:00.079 --> 00:05:03.639 Not such a big deal, but it's twenty four days, 85 00:05:04.079 --> 00:05:09.040 but still it's not automatic. Next, you used to have 86 00:05:09.120 --> 00:05:12.439 to give them four chances to fix the car, and 87 00:05:12.480 --> 00:05:16.560 it had to be a substantial complaint for driveability and marketability. 88 00:05:17.879 --> 00:05:23.639 Now it's three. You have to give them three chances, 89 00:05:23.680 --> 00:05:27.279 no longer four. They used to say three times, but 90 00:05:27.399 --> 00:05:29.959 it's not. It was four because you had to take 91 00:05:29.959 --> 00:05:34.759 it back for the fourth time. So now it's three times. 92 00:05:34.800 --> 00:05:38.160 If they can't fix it on the third attempt, it 93 00:05:38.279 --> 00:05:42.800 is legally element Now it's two attempts for something called 94 00:05:43.199 --> 00:05:48.560 safety based conformity. What is a safety based conformity? Again, 95 00:05:48.600 --> 00:05:51.480 the law doesn't get too detailed. This law is a 96 00:05:51.480 --> 00:05:54.680 good attempt at helping people in the very beginning. 97 00:05:54.759 --> 00:05:56.759 I was a pusher of this law way. 98 00:05:56.480 --> 00:06:01.560 Back before they had one in Colorado, but it never 99 00:06:01.639 --> 00:06:04.959 really had teeth. I think they should have, you know, 100 00:06:05.199 --> 00:06:08.720 some kind of enforcement where they go to a dealer 101 00:06:08.800 --> 00:06:12.600 and try to negotiate a settlement through the dealer licensing. 102 00:06:12.160 --> 00:06:14.720 Where it's not It really isn't. 103 00:06:15.600 --> 00:06:20.399 Now it says here current law requires manufacturer to be 104 00:06:20.480 --> 00:06:24.079 notified of a defect or given the opportunity to cure 105 00:06:24.120 --> 00:06:29.120 the defect. And then the act adds a ten business 106 00:06:29.199 --> 00:06:35.920 day limit on the opportunity to cure, so you have 107 00:06:36.000 --> 00:06:40.360 to give them. It says it's subject to reasonable repairs, 108 00:06:40.399 --> 00:06:46.680 but there's a ten day limit. Also, current law allows 109 00:06:46.720 --> 00:06:51.040 a dealer when buying back a vehicle to deduct reasonable 110 00:06:51.120 --> 00:06:55.480 allowance for use of the car. Okay, Now, the new 111 00:06:55.560 --> 00:07:00.519 law or the revisions actually has a schedule of what 112 00:07:00.720 --> 00:07:03.879 is considered reasonable or what is the allowance for use. 113 00:07:06.399 --> 00:07:07.319 The law. 114 00:07:09.279 --> 00:07:13.160 Does not affect it. It says, Okay, the law exempts 115 00:07:13.160 --> 00:07:16.560 from the Lemon Law vehicles that have a problem that 116 00:07:16.720 --> 00:07:23.680 does not affect marketability. Okay, but you can bring up 117 00:07:23.759 --> 00:07:28.680 safety concerns. But marketability used to be the big thing. 118 00:07:28.920 --> 00:07:31.000 Is this going to affect the value of the car? 119 00:07:32.560 --> 00:07:37.279 The Act changes the statute of limitations from an earlier 120 00:07:37.319 --> 00:07:41.399 of six months after expiration of a warranty or within 121 00:07:41.439 --> 00:07:48.959 a year, and so it goes up to thirty months 122 00:07:49.040 --> 00:07:55.879 after the original delivery. It requires the dealer to allow 123 00:07:55.920 --> 00:07:59.800 an agent of the purchurer of the purchaser to inspect 124 00:07:59.800 --> 00:08:03.959 the vehicle and listen to this, provide a seven day 125 00:08:04.079 --> 00:08:08.040 free look period during rich Now this is the biggest thing, 126 00:08:08.519 --> 00:08:13.319 during which the purchaser may return the motor vehicle and 127 00:08:13.439 --> 00:08:18.319 receive a full refund. Now, this is the part that 128 00:08:18.439 --> 00:08:22.600 I find major. If I'm reading this correctly, the new 129 00:08:22.680 --> 00:08:28.399 Lemon law says, must allow an agent of a purchaser 130 00:08:29.399 --> 00:08:36.399 to inspect a motor vehicle or listen to this provide 131 00:08:36.399 --> 00:08:39.080 a seven day free look. In other words, if you 132 00:08:39.360 --> 00:08:47.879 don't let someone inspect the vehicle, they get seven days. 133 00:08:46.399 --> 00:08:48.519 In which they can return. 134 00:08:49.559 --> 00:08:52.360 The vehicle for a full refund. 135 00:08:54.440 --> 00:08:56.480 Now you must inform the. 136 00:08:56.399 --> 00:09:02.759 Purchaser of their inspection right to make the inspect So 137 00:09:02.960 --> 00:09:05.879 if the dealer, a dealer has to say you have 138 00:09:05.919 --> 00:09:08.759 a right to have this car inspected by an independent expert. 139 00:09:09.320 --> 00:09:11.360 If they don't give you that right, you have a 140 00:09:11.399 --> 00:09:15.360 seven day free look. Think about that. 141 00:09:16.840 --> 00:09:19.080 Now, there are a lot of other things. 142 00:09:20.320 --> 00:09:26.480 But again this was approved and it went into effect, 143 00:09:26.960 --> 00:09:29.799 or it goes into effect today. 144 00:09:30.360 --> 00:09:33.320 The problem is, here's the problem. 145 00:09:33.759 --> 00:09:37.960 It's nothing is automatic about it now, this seven day look. 146 00:09:39.240 --> 00:09:42.960 And another thing, it's new vehicles. Okay, so I don't 147 00:09:42.960 --> 00:09:46.559 believe you can take a used vehicle and say I 148 00:09:46.679 --> 00:09:49.960 get a seven day free look. Everything I'm reading says 149 00:09:50.039 --> 00:09:53.320 new vehicle. But if you have any questions on this, 150 00:09:53.720 --> 00:09:56.879 we can go through it. And that brings up another topic. 151 00:09:58.840 --> 00:10:05.360 Why are making people angry? New cars have what's called 152 00:10:05.399 --> 00:10:11.879 an anger indexed And it was developed by these lawyers, 153 00:10:12.679 --> 00:10:16.440 not in Denver, but these lawyers who took together all 154 00:10:16.480 --> 00:10:19.279 of the ratings and came up with what they called 155 00:10:19.279 --> 00:10:27.360 an anger indexed of cars. Not necessarily based on how 156 00:10:27.399 --> 00:10:30.559 long they've lost it or how long they were without it, 157 00:10:30.679 --> 00:10:32.679 or how much they love it. It's how much they 158 00:10:33.080 --> 00:10:39.559 how angry they get over these vehicles based on dealers, driveability, service, 159 00:10:40.039 --> 00:10:43.679 maintenance parts, and we'll go over some of that. Okay, 160 00:10:43.879 --> 00:10:47.600 If you have any calls, problems, questions, complaints like Jackie 161 00:10:47.720 --> 00:10:49.639 she has a friend with an issue with the landlord. 162 00:10:49.679 --> 00:10:53.360 Will take that coming up. 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Okay, Jackie 184 00:12:09.000 --> 00:12:13.159 has a friend has a problem with a landlord, or 185 00:12:13.200 --> 00:12:15.600 a friend has a problem with the landlord, Jackie. 186 00:12:16.120 --> 00:12:17.559 Shoot, what's happened in Jackie? 187 00:12:18.720 --> 00:12:18.840 Hi? 188 00:12:18.919 --> 00:12:19.440 Good morning? 189 00:12:19.919 --> 00:12:20.080 Hi? 190 00:12:20.200 --> 00:12:20.840 What's going on? 191 00:12:20.960 --> 00:12:21.600 Jackie? 192 00:12:22.159 --> 00:12:25.799 Yep, my friend Sally's landlord is charging her a two 193 00:12:25.879 --> 00:12:30.519 hundred dollars reletting. See. Now that that reletting see is 194 00:12:30.559 --> 00:12:33.440 in her lease, and so I don't know if her 195 00:12:33.559 --> 00:12:36.639 reletting usually means that they've broken the leaf. She did 196 00:12:36.679 --> 00:12:39.519 not do that. She fulfilled the leaf until May thirty first, 197 00:12:40.279 --> 00:12:42.200 but it's part of the contract. So I don't know 198 00:12:42.240 --> 00:12:43.279 if it's a LEAs. 199 00:12:43.360 --> 00:12:46.200 Okay, what that means is this? What that means is this? 200 00:12:48.600 --> 00:12:53.720 If she's renewing, they it's a renewal fee. Basically they're 201 00:12:53.759 --> 00:12:56.480 allowed to do it. If it's specified in the lease, 202 00:12:57.480 --> 00:13:00.960 they can't do it. Just Willie it has to be 203 00:13:00.960 --> 00:13:04.320 in the lease, because that would be considered getting around 204 00:13:04.320 --> 00:13:07.879 the just cause. In other words, if let's say somebody 205 00:13:07.919 --> 00:13:11.240 wanted to end the lease. Nowadays, you can't just end 206 00:13:11.240 --> 00:13:13.600 the lease. You have to have a reason, and if 207 00:13:13.639 --> 00:13:15.840 it's not good enough, a tenant can take a landlord 208 00:13:15.919 --> 00:13:19.120 to court and actually. 209 00:13:20.159 --> 00:13:20.960 Renew the lease. 210 00:13:21.799 --> 00:13:25.720 So here's the deal. If that lease is up and 211 00:13:25.759 --> 00:13:28.639 there's a two hundred dollars fee specified, they can charge it. 212 00:13:29.120 --> 00:13:31.360 They can't change it, they can't raise it, they can't 213 00:13:31.399 --> 00:13:34.000 make it punitive, but they can charge it. And it 214 00:13:34.039 --> 00:13:37.000 doesn't mean just when you break a lease. It is 215 00:13:38.000 --> 00:13:42.960 what a landlord considers a renewal fee. And they're they're 216 00:13:43.039 --> 00:13:44.639 they're they're very common. 217 00:13:47.480 --> 00:13:50.240 Okay, she's not renewing, and she didn't get out of 218 00:13:50.279 --> 00:13:52.600 it early. She fulfilled the term of her lease. 219 00:13:52.759 --> 00:13:55.320 Oh well, okay, they can't wait a minute. Wait a minute, Well, 220 00:13:55.360 --> 00:13:58.600 I'm sorry, maybe I'm misunderstood. You are you telling me 221 00:13:58.679 --> 00:14:01.799 she's leaving under normal circumstances at the end of the 222 00:14:01.919 --> 00:14:04.159 lease and they want to charge her two hundred bucks. 223 00:14:05.200 --> 00:14:05.879 That's correct. 224 00:14:06.279 --> 00:14:10.080 Wait a minute. In the lease they wait, but bye bye. 225 00:14:10.440 --> 00:14:15.200 Hold on, So even though she's ending the lease, it 226 00:14:15.440 --> 00:14:19.120 says when you leave, we're going to charge you to 227 00:14:19.279 --> 00:14:25.200 release this to someone else. Answer what I mean? That 228 00:14:25.279 --> 00:14:27.720 may be in the lease, but it sounds to me 229 00:14:27.960 --> 00:14:30.919 and I'm not. I'm not giving you legal advice, but 230 00:14:31.039 --> 00:14:35.480 something called unconscionable. And that's just a principle used many 231 00:14:35.519 --> 00:14:39.000 times in the law where even though you agreed to something, 232 00:14:39.120 --> 00:14:43.639 it's weird and sometimes won't be enforced. But mate, we 233 00:14:44.000 --> 00:14:45.879 do you have the lease in front of you. 234 00:14:47.720 --> 00:14:49.080 I don't have it in front of me. 235 00:14:49.440 --> 00:14:52.360 Can you get us? Can I mark this pending? Can 236 00:14:52.399 --> 00:14:55.080 you get us a copy? 237 00:14:55.200 --> 00:14:57.559 I want to have our real estate attorney go over it. 238 00:14:58.919 --> 00:14:59.159 Sure. 239 00:15:00.799 --> 00:15:05.679 I just can't believe that. So she's leaving and she's 240 00:15:05.759 --> 00:15:10.000 not late, she's not cutting short, she's just leaving and 241 00:15:11.240 --> 00:15:14.519 he's taking that out of her security deposit. 242 00:15:15.639 --> 00:15:16.679 That's correct? 243 00:15:18.440 --> 00:15:24.399 Wow? Okay, I mean geez, I need to see how 244 00:15:24.399 --> 00:15:26.440 it's worded and we'll get Brad. Oh wait, is he 245 00:15:26.519 --> 00:15:27.519 on right now? Okay? 246 00:15:27.639 --> 00:15:28.000 Is he on? 247 00:15:28.159 --> 00:15:28.440 Mark? 248 00:15:28.679 --> 00:15:31.799 Thanks? See Marks? Mark's on top of this thing. 249 00:15:31.879 --> 00:15:32.080 Mark. 250 00:15:32.120 --> 00:15:33.000 Did you get Brad on? 251 00:15:33.320 --> 00:15:33.559 Yeah? 252 00:15:33.559 --> 00:15:39.399 He's on, man, Thank you. You know what, Brad, we 253 00:15:39.480 --> 00:15:42.440 don't have the lease in front of us. But I've 254 00:15:42.480 --> 00:15:45.039 heard of renewal fees, Brad. In a lease. 255 00:15:45.080 --> 00:15:47.039 For example, I have a year's lease. 256 00:15:47.080 --> 00:15:48.960 At the end of it, if I decide to renew, 257 00:15:49.720 --> 00:15:52.679 they charge me a renewal fee and they do some 258 00:15:52.720 --> 00:15:55.600 paperwork maybe or whatever. But it's specified in the lease, 259 00:15:56.399 --> 00:15:59.159 and I've always thought, Okay, I've seen those before. 260 00:16:00.039 --> 00:16:01.159 This one's a little different. 261 00:16:02.320 --> 00:16:07.559 Jackie says that her friend is being charged a two 262 00:16:07.639 --> 00:16:13.279 hundred dollars reletting fee, but she's leaving. She's fulfilled the 263 00:16:13.440 --> 00:16:17.080 terms of the lease completely. She's not getting out early. 264 00:16:17.519 --> 00:16:22.399 She's never been late. She's just terminating her lease and 265 00:16:22.480 --> 00:16:24.639 the landlord's taking back the apartment. 266 00:16:24.679 --> 00:16:26.879 It's just a normal end of lease situation. 267 00:16:27.600 --> 00:16:31.279 But the landlord is taking two hundred dollars out of 268 00:16:31.360 --> 00:16:36.480 the security deposit to release it to someone else. Does 269 00:16:36.480 --> 00:16:41.519 that sound weird to you? It is in the lease, right, Jackie, 270 00:16:41.759 --> 00:16:44.240 that's correct. Now, how do you know it's in the 271 00:16:44.320 --> 00:16:46.559 least Did you read it or did she tell you that? 272 00:16:48.440 --> 00:16:52.039 She told me that, Brad, Have you ever heard of 273 00:16:52.039 --> 00:16:54.480 this before? Just a it's just like a you know, 274 00:16:54.519 --> 00:16:57.639 it's kind of like an end of lisea on a car. 275 00:16:57.679 --> 00:17:00.759 They have all kinds of fees they charge people. Can 276 00:17:00.799 --> 00:17:02.879 they just do that since they put it in the lease? 277 00:17:03.000 --> 00:17:03.600 Can they do that? 278 00:17:04.400 --> 00:17:05.039 Well? 279 00:17:04.839 --> 00:17:08.119 The colt of law has changed just recently that were 280 00:17:08.480 --> 00:17:13.839 they're prohibiting landlord fees on not renewing, so that this 281 00:17:13.920 --> 00:17:14.319 should be. 282 00:17:14.279 --> 00:17:20.960 Avoid Oh really, okay, that's good to know. Brad. 283 00:17:21.000 --> 00:17:23.119 When did that law go into effect? 284 00:17:23.559 --> 00:17:26.039 I'm trying to put my finger on it right here 285 00:17:26.119 --> 00:17:27.960 my computer. I'm not at the moment, so, oh no, 286 00:17:28.119 --> 00:17:28.680 that's okay. 287 00:17:28.880 --> 00:17:31.440 But but so would that go retroactive, like if this 288 00:17:31.559 --> 00:17:34.000 lease was signed, let's say a year before that law 289 00:17:34.039 --> 00:17:38.440 went into effect. It when it when it ends is 290 00:17:38.480 --> 00:17:39.680 when it takes precedent. 291 00:17:40.440 --> 00:17:42.039 Yeah, I think as soon as the law passed and 292 00:17:42.319 --> 00:17:45.839 land lage could no longer charge the fee. Now it's 293 00:17:45.880 --> 00:17:48.279 separate from if there was like a cleaning fee that's 294 00:17:48.319 --> 00:17:50.119 in there for the end of the term. Okay, that 295 00:17:50.119 --> 00:17:51.240 would that would be fine? 296 00:17:51.319 --> 00:17:53.519 Yeah, it depends on how it's worded, Jackie. That's why 297 00:17:53.519 --> 00:17:55.680 I said we need to see it. But if it's 298 00:17:55.759 --> 00:17:59.759 simply a non renewal fee or a reletting fee or 299 00:17:59.759 --> 00:18:04.440 some kind of fee, Brad is indicating that may not 300 00:18:04.720 --> 00:18:08.319 that may be void by the new law. Did the 301 00:18:08.400 --> 00:18:10.440 landlord actually take the money out yet? 302 00:18:11.440 --> 00:18:15.559 Yes, they have just shut the reconciliation. 303 00:18:16.400 --> 00:18:17.400 Oh did they take. 304 00:18:17.240 --> 00:18:19.160 Anything else out of her security deposit? 305 00:18:20.240 --> 00:18:22.880 They took several other things out that we will be 306 00:18:23.519 --> 00:18:24.960 challenging him with. 307 00:18:24.640 --> 00:18:25.200 With a letter. 308 00:18:25.559 --> 00:18:27.799 Well, this is one you challenge as well, and I 309 00:18:27.799 --> 00:18:30.079 would cite the law. Do you have the CRS Brad 310 00:18:30.079 --> 00:18:32.039 by any chance the Colorado revised atue? 311 00:18:32.920 --> 00:18:33.839 No, I'm looking it up. 312 00:18:34.440 --> 00:18:38.079 Okay, I'm gonna come, Jackie. If you keep listening. You 313 00:18:38.119 --> 00:18:40.079 don't have to hang on the line, but keep listening. 314 00:18:41.440 --> 00:18:44.240 Brad'll get us that CRS number and then we can 315 00:18:44.279 --> 00:18:46.440 put it out to you. I'm Tom Martinez. We have 316 00:18:46.480 --> 00:18:49.519 more coming up. This is good information. Brad O'Brien is 317 00:18:49.519 --> 00:18:52.079 a real estate attorney, of course, that we use all 318 00:18:52.119 --> 00:18:58.920 the time for real estate matters. O lslaw dot com 319 00:18:58.960 --> 00:19:03.799 three seven two zero three seven zero seventy three eighty eight. 320 00:19:09.519 --> 00:19:12.759 Go with a sure thing Denver's Best Roofer Excel Roofing 321 00:19:12.880 --> 00:19:13.480 dot com. 322 00:19:13.519 --> 00:19:15.519 You don't pay a cent until you're content. 323 00:19:18.920 --> 00:19:22.079 Time for an insurance check up free no obligation comparison 324 00:19:22.240 --> 00:19:25.799 call Compass Insurance paying too much your coverage at dozens 325 00:19:25.799 --> 00:19:28.519 of insurance companies. Find out Now three oh three seven 326 00:19:28.640 --> 00:19:31.440 seven to one help. You'll think you're his only customer 327 00:19:31.480 --> 00:19:33.720 when you choose Frank durand the real estate Man dot 328 00:19:33.759 --> 00:19:37.039 com to list your home with Remax Alliance three oh 329 00:19:37.119 --> 00:19:42.720 three nine two zero sixteen twenty two. Hi Tom Martino 330 00:19:42.799 --> 00:19:46.000 here three oh three seven one three talks seven one 331 00:19:46.039 --> 00:19:49.799 three eight two five five Genesis Tootalexteriors dot Com. New 332 00:19:49.839 --> 00:19:54.559 Aligned siding is a composite plastic siding and resins, and 333 00:19:54.599 --> 00:19:57.839 it's practically indestructible and there's no off charge. If you're 334 00:19:57.880 --> 00:20:00.559 going to do an insurance repair, he can put that 335 00:20:00.599 --> 00:20:06.559 on instead of that old ugly final Genesis tootalexteriors dot Com. 336 00:20:07.200 --> 00:20:11.319 All right, So Brad O'Brien, our real estate expert and attorney, 337 00:20:12.240 --> 00:20:14.799 he said, there's some changes in the law. By the way, 338 00:20:14.799 --> 00:20:17.160 there have been a lot of changes to favor renters, 339 00:20:17.519 --> 00:20:20.119 and I say some of them are pretty good. There 340 00:20:20.200 --> 00:20:22.960 was a there we needed a change over the years. 341 00:20:23.559 --> 00:20:27.240 Some landlords might argue it goes too far, but there 342 00:20:27.359 --> 00:20:30.039 is a provision here not to have junk fees at 343 00:20:30.039 --> 00:20:33.480 the end of a lease, such as just I don't 344 00:20:33.480 --> 00:20:35.960 even know what they're classifying this fee as. But Brad, 345 00:20:35.960 --> 00:20:42.240 did you look it up? Did you find the Is 346 00:20:42.279 --> 00:20:43.079 he still on mark? 347 00:20:44.359 --> 00:20:44.440 No? 348 00:20:44.640 --> 00:20:47.160 Brad dropped off. Oh I'm sorry he did. He was 349 00:20:47.200 --> 00:20:50.279 going to get us a Colorado Revised Statute number if 350 00:20:50.319 --> 00:20:50.680 he can. 351 00:20:51.000 --> 00:20:54.599 But in essence, she's emailing me the lease right now 352 00:20:54.640 --> 00:20:56.599 to help. I'm going to send it over to him. Okay, 353 00:20:56.640 --> 00:20:58.000 I'm going to get him both back up. 354 00:20:58.240 --> 00:21:01.799 Oh good, thanks, Yeah, a reletting fee of some kind. 355 00:21:02.279 --> 00:21:03.680 And speaking of. 356 00:21:04.640 --> 00:21:08.559 Legislation, as I said, I just got another text. 357 00:21:08.599 --> 00:21:08.920 Tom. 358 00:21:09.440 --> 00:21:12.440 You know this is going too far and we're becoming 359 00:21:12.480 --> 00:21:15.359 a nanny state. You know, I go back and forth. 360 00:21:15.440 --> 00:21:17.640 I am a consumer advocate. I want, I really want 361 00:21:17.640 --> 00:21:20.039 to help consumers, but I also don't want to hurt business. 362 00:21:20.559 --> 00:21:24.960 But I want reasonable I believe in reasonable laws that 363 00:21:25.079 --> 00:21:28.960 help consumers not to be taken advantage of. And from 364 00:21:29.039 --> 00:21:31.359 years and years and years, we have to admit, in 365 00:21:31.440 --> 00:21:36.759 my opinion, based on my calls on this show, many 366 00:21:37.160 --> 00:21:42.519 many people have been taken advantage of, many people, and 367 00:21:43.160 --> 00:21:47.160 there were no, for example, standards of habitability. You could 368 00:21:47.160 --> 00:21:51.680 rent out any piece of garbage and they didn't have 369 00:21:51.759 --> 00:21:56.039 to have any standard for habitability, not running water, not heat, 370 00:21:56.160 --> 00:22:01.240 not air, not safety, not security, nothing. Mark and I 371 00:22:01.400 --> 00:22:06.279 came across a situation one time where one person complained 372 00:22:06.279 --> 00:22:08.960 about something and Mark went out there to look at 373 00:22:09.440 --> 00:22:15.000 some rentals. And this guy was literally renting out a 374 00:22:15.039 --> 00:22:20.759 couple storage sheds, a basement, and a barn, and one 375 00:22:20.799 --> 00:22:24.319 of them was maybe even a lean to. The one 376 00:22:24.400 --> 00:22:28.119 person that was complaining wanted to show Mark this stuff 377 00:22:28.160 --> 00:22:29.599 and it was in a yard somewhere. 378 00:22:29.680 --> 00:22:30.319 I think it was. 379 00:22:31.160 --> 00:22:33.799 No, this is way worse than you're thinking. Man, If 380 00:22:33.839 --> 00:22:35.960 you want me to recap real quick, I will, yeah, 381 00:22:35.960 --> 00:22:38.359 go ahead. So it was down the road from the 382 00:22:38.400 --> 00:22:41.720 old Rockies Auto They called up because there was a 383 00:22:41.720 --> 00:22:44.680 horrible smell. It was like a trailer park, but I've 384 00:22:44.720 --> 00:22:47.839 never seen anything like it. This trailer park was made 385 00:22:47.880 --> 00:22:51.720 up of sheds. They took one single wide trailer and 386 00:22:51.799 --> 00:22:54.359 turned it into like a condo where they had three 387 00:22:54.480 --> 00:22:57.599 or four different people living with partitions made out of 388 00:22:57.640 --> 00:23:01.039 particle board. But the craziest part of it, if all 389 00:23:01.119 --> 00:23:04.240 that isn't crazy enough, there was some dude living in 390 00:23:04.359 --> 00:23:06.920 like a topper of a pickup, not in the back 391 00:23:06.960 --> 00:23:10.599 of a pickup, but just the topper and there were 392 00:23:10.680 --> 00:23:14.720 three dead bodies fished out of there within a week 393 00:23:14.799 --> 00:23:17.160 of me going out and checking it out. So it 394 00:23:17.359 --> 00:23:19.960 was the worst thing I've ever seen. They didn't even 395 00:23:20.000 --> 00:23:23.039 have water in most units, so they would be carrying around, 396 00:23:23.319 --> 00:23:27.640 you know, bottled water from the hose. But keep going now, Okay, So. 397 00:23:29.039 --> 00:23:30.920 You know, Mark did a video on it and we 398 00:23:30.960 --> 00:23:33.960 talked about it, and most of the residents there were 399 00:23:34.039 --> 00:23:39.400 upset with us because they didn't want the city was 400 00:23:39.440 --> 00:23:42.759 going to shut them down. Yeah, and so that wasn't 401 00:23:42.759 --> 00:23:46.720 our intention. But they didn't care about the habitability standards 402 00:23:47.079 --> 00:23:50.000 because they said, there is nowhere in the world they 403 00:23:50.000 --> 00:23:54.279 can afford to rent. So they actually, in a weird way, 404 00:23:54.559 --> 00:23:58.960 were thankful for this garbage that they lived in. Right, Mark, 405 00:23:59.039 --> 00:24:01.440 They were kind of they didn't want to be shut down. 406 00:24:01.480 --> 00:24:04.920 They just the odor was bad, but the case it's 407 00:24:05.680 --> 00:24:08.319 but they were not but they were not complaining about 408 00:24:08.319 --> 00:24:11.920 their living But they were not complaining. Were they about 409 00:24:12.279 --> 00:24:14.960 about their rent and their place they were living in though. 410 00:24:15.000 --> 00:24:19.279 That's what's weird about it, you know, they they weren't 411 00:24:19.319 --> 00:24:22.440 actually upset with the landlord because they said it's either 412 00:24:22.480 --> 00:24:25.000 this or nothing, and. 413 00:24:24.920 --> 00:24:25.880 That's what was weird. 414 00:24:25.920 --> 00:24:32.480 About it. So wow. Crazy. So that's the point is that, 415 00:24:33.200 --> 00:24:36.960 you know, habitability standards. Of course, everyone says we should 416 00:24:36.960 --> 00:24:38.519 have some habitability standards. 417 00:24:38.920 --> 00:24:41.319 But at the same time, when. 418 00:24:41.200 --> 00:24:45.200 You look at you know what that. 419 00:24:45.119 --> 00:24:47.000 Means to some people. 420 00:24:47.039 --> 00:24:50.039 It means they can't find a place to live because 421 00:24:50.200 --> 00:24:55.240 rents are outrageous in Denver. In fact, if you look 422 00:24:55.279 --> 00:24:58.920 at surveys, rents and Denver have gone up way faster 423 00:24:59.039 --> 00:25:02.960 than other parts of the count and people can't afford 424 00:25:03.000 --> 00:25:07.559 to live here. I mean they're going way on the outskirts. 425 00:25:07.799 --> 00:25:10.079 Even that. Even there, the rents are a lot. 426 00:25:10.200 --> 00:25:11.880 I mean, even if you went to Parker, I mean 427 00:25:11.920 --> 00:25:13.920 it used to be you could get a break. It's 428 00:25:14.000 --> 00:25:19.119 expensive as hell. I have Brent Ivenson with me. Form 429 00:25:19.119 --> 00:25:20.920 mydeal home loans. I'm going to go to a wide 430 00:25:20.920 --> 00:25:23.160 shot here. We are streaming now, right Mark. I think 431 00:25:23.200 --> 00:25:27.799 some YouTubers are complaining we're on YouTube and Facebook. 432 00:25:27.839 --> 00:25:30.480 Okay, anyway, here's the deal, Brent. 433 00:25:31.240 --> 00:25:36.519 Non owner occupied loans are they way down up the same? 434 00:25:37.079 --> 00:25:37.759 What are they? 435 00:25:37.880 --> 00:25:40.599 You know, we're still seeing a pretty significant demand for 436 00:25:40.640 --> 00:25:41.839 non owner occupied properties. 437 00:25:41.839 --> 00:25:43.000 A lot of people out there are good. 438 00:25:43.000 --> 00:25:45.240 So there are loans for those. 439 00:25:45.319 --> 00:25:47.400 Yeah, for sure, absolutely, you know, and there's and there 440 00:25:47.440 --> 00:25:49.640 are some creative loans out there, solutions that we have 441 00:25:49.759 --> 00:25:51.799 now that will allow you to qualify based on the 442 00:25:51.799 --> 00:25:55.880 cash flow of the property you're buying, not necessarily your qualification. 443 00:25:56.039 --> 00:25:58.480 So there are some products in the marketplace that are 444 00:25:58.480 --> 00:26:00.599 helping people amass properties. 445 00:26:00.640 --> 00:26:01.599 And you know, there are. 446 00:26:01.519 --> 00:26:03.720 Options that you've done. They hover above the market rate. 447 00:26:03.720 --> 00:26:06.880 What do they hover above? A point above normal point. 448 00:26:06.720 --> 00:26:09.079 A half probably for that particular product. 449 00:26:09.319 --> 00:26:12.279 So I'm surprised that there's still a lot of demand 450 00:26:12.279 --> 00:26:14.720 for that because I thought people were kind of getting 451 00:26:14.720 --> 00:26:15.680 out of that business. 452 00:26:15.720 --> 00:26:17.000 But now we're still seeing it. 453 00:26:17.039 --> 00:26:17.200 You know. 454 00:26:17.319 --> 00:26:20.400 Again, it's like you just mentioned. Look, rents are outrageous 455 00:26:20.519 --> 00:26:23.599 in Denver, Colorado. I mean, it is expensive to rent anything, 456 00:26:23.640 --> 00:26:26.279 and so people buying property are able to turn a 457 00:26:26.279 --> 00:26:28.079 profit even at these higher interest rates. 458 00:26:28.160 --> 00:26:31.160 Just so you're saying, even though it's a pain in 459 00:26:31.200 --> 00:26:34.559 the ass being a landlord, the rate of return is there. 460 00:26:34.759 --> 00:26:35.799 That's right, exactly. 461 00:26:36.119 --> 00:26:38.839 Hey, brit how do you think the weak job report 462 00:26:38.880 --> 00:26:40.559 is going to do well? 463 00:26:40.640 --> 00:26:43.039 So we saw a big move with interest rates Monday, 464 00:26:43.119 --> 00:26:45.279 right out of the gate lower. We saw rates actually 465 00:26:45.359 --> 00:26:48.359 improved by almost a quarter or three eights of a percent, 466 00:26:48.799 --> 00:26:51.200 But we've given some of that back already this morning. 467 00:26:51.200 --> 00:26:53.240 So we saw rates hit six and a half percent 468 00:26:53.599 --> 00:26:55.920 thirty year fixed on Monday and we're back at six 469 00:26:55.920 --> 00:26:58.240 point eight seven five today, So it's kind of moderated back. 470 00:26:58.279 --> 00:26:59.279 So tribute to that. 471 00:26:59.319 --> 00:27:03.000 Why the understand the bad jobs report brought it down, 472 00:27:03.079 --> 00:27:03.720 but why did. 473 00:27:03.599 --> 00:27:07.440 It pop Well, it popped down just because again they 474 00:27:07.440 --> 00:27:09.400 think the Fed's going to make this move in September, 475 00:27:09.400 --> 00:27:12.079 but then it popped back up. Looking at it, going hey, 476 00:27:12.119 --> 00:27:14.359 maybe this is a little bit of an overreaction, probably 477 00:27:14.359 --> 00:27:16.400 more people trying to cover positions that they have in 478 00:27:16.440 --> 00:27:17.680 the bond market than anything else. 479 00:27:17.720 --> 00:27:19.400 Mark, I agree. 480 00:27:19.799 --> 00:27:25.720 So anyway, what we have is a situation where loans 481 00:27:26.319 --> 00:27:30.960 will are higher than not ever, but higher than they've 482 00:27:31.000 --> 00:27:33.759 been in a long time. What I'm going to ask 483 00:27:33.799 --> 00:27:38.039 Brent later on here is what is expected. There is 484 00:27:38.039 --> 00:27:41.119 a good side to that, though, Tom, and what is that? 485 00:27:41.359 --> 00:27:44.119 Well, the good side is if people are parking cash 486 00:27:44.200 --> 00:27:47.759 right now, you can make in certain accounts like Schwab 487 00:27:47.839 --> 00:27:51.799 has five to six percent, where that money's liquid all 488 00:27:51.839 --> 00:27:54.160 the time and you're constantly making it. 489 00:27:54.200 --> 00:27:58.599 That's pretty incredible. With zero risk, You're absolutely right, Mark 490 00:27:58.880 --> 00:28:01.599 absolutely okay, We got more coming up. 491 00:28:01.640 --> 00:28:03.960 Three oh three seven one three A two five five. 492 00:28:09.240 --> 00:28:12.480 Go with a sure thing Denver's best roofer Excel Roofing 493 00:28:12.599 --> 00:28:15.279 dot com. You don't pay a cent until you're content. 494 00:28:18.640 --> 00:28:21.799 Time for an insurance check up free, no obligation. In comparison, 495 00:28:21.960 --> 00:28:25.519 call Compass Insurance paying too much your coverage at dozens 496 00:28:25.519 --> 00:28:28.240 of insurance companies find out now three oh three seven 497 00:28:28.359 --> 00:28:31.119 seven to one help. You'll think you're his only customer 498 00:28:31.200 --> 00:28:33.440 when you choose Frank durand the real estate Man dot 499 00:28:33.480 --> 00:28:36.759 com to list your home with Remax Alliance three oh 500 00:28:36.839 --> 00:28:42.559 three nine two zero sixteen twenty two. Hi Tom Martino, 501 00:28:42.799 --> 00:28:46.599 your troubleshooter three O three seven one three talks seven 502 00:28:46.640 --> 00:28:48.359 one three eight two five five. I want to remind 503 00:28:48.359 --> 00:28:51.480 people we do have two places to text me. One 504 00:28:51.519 --> 00:28:55.000 is the official iHeart texting number. You put Tom in 505 00:28:55.039 --> 00:28:58.680 there and it'll get to me five seven seven three nine. 506 00:28:59.200 --> 00:29:00.119 You can tech. 507 00:29:00.839 --> 00:29:04.039 Directly to my Google number as well, so the short 508 00:29:04.079 --> 00:29:07.119 code for iHeart five seven seven three nine if you 509 00:29:07.200 --> 00:29:10.799 want to text my Google number with any information at all, 510 00:29:11.680 --> 00:29:14.039 and that will take photos and things that the iHeart 511 00:29:14.079 --> 00:29:22.599 one won't seven four seven two eighty seven four seven 512 00:29:24.319 --> 00:29:25.519 fifty two eighty. 513 00:29:26.920 --> 00:29:28.640 And I am getting. 514 00:29:28.519 --> 00:29:34.079 Texts from the caller yesterday, Eric that I'm going to recap, 515 00:29:34.160 --> 00:29:38.119 not write this minute, but I will recap it because 516 00:29:39.640 --> 00:29:42.640 he's got a lot more to say. And then, of 517 00:29:42.680 --> 00:29:46.720 course I want to tell you about this rental car 518 00:29:46.799 --> 00:29:49.519 problem and get David back on if we can. We 519 00:29:49.519 --> 00:29:52.039 we got to fight this somehow, and we got to 520 00:29:52.039 --> 00:29:56.000 warn you about this rental car company. It's unreasonable to 521 00:29:56.000 --> 00:30:00.480 be charged for these little tiny nicks in d that 522 00:30:00.519 --> 00:30:03.440 this guy was. I think he was charged thirteen sixteen 523 00:30:03.480 --> 00:30:07.480 hundred whatever, and it's regular road rash. There's no way 524 00:30:08.079 --> 00:30:11.240 that this wasn't on the car or that it didn't accumulate. 525 00:30:11.799 --> 00:30:15.519 To put it all on his bill is ridiculous, and 526 00:30:15.559 --> 00:30:17.720 you got to be very very careful about that. 527 00:30:18.559 --> 00:30:20.200 And I got to get the name of the company. 528 00:30:20.240 --> 00:30:23.880 I did not write it down, unfortunately, and because I 529 00:30:23.960 --> 00:30:25.359 want to warn people about it. 530 00:30:25.759 --> 00:30:28.400 So we're going to get him back on Mark. 531 00:30:28.480 --> 00:30:33.079 I think we should get him because it's just ridiculous. 532 00:30:33.119 --> 00:30:37.839 And so let's see, yeah, David, and did he say wait, wait, 533 00:30:37.880 --> 00:30:42.920 oh yeah, yeah. The name of the company was sixth sixt, 534 00:30:44.519 --> 00:30:46.680 and I do believe there's one right here in Colorado 535 00:30:46.839 --> 00:30:51.319 sixth si XT. Perhaps we put a deputy on this 536 00:30:51.440 --> 00:30:54.839 to talk about it and to talk to them, Deputy 537 00:30:55.400 --> 00:30:59.400 deputy doc is in doc, you want to just find 538 00:30:59.440 --> 00:31:02.599 some people it's sixed and just asked them in general 539 00:31:02.640 --> 00:31:06.880 their policy and maybe they can talk about it a little, 540 00:31:07.279 --> 00:31:11.480 because I think it's just outrageous. I mean, look at 541 00:31:11.200 --> 00:31:15.839 we all have. We've all rented cars right now. They 542 00:31:15.880 --> 00:31:18.920 went through this car with a magnifying glass, and it 543 00:31:19.039 --> 00:31:22.160 seems like we would all be charged a bunch of 544 00:31:22.279 --> 00:31:24.279 money if that happened to us. 545 00:31:24.319 --> 00:31:26.680 It's not a good thing, all right. 546 00:31:27.400 --> 00:31:31.119 On another topic that I find is really important, the 547 00:31:31.160 --> 00:31:33.880 anger index for cars. We talked about how the Lemon 548 00:31:33.960 --> 00:31:39.759 Law is changing for cars, okay, and what we really 549 00:31:39.799 --> 00:31:41.920 need to do is get to the text of it 550 00:31:42.960 --> 00:31:48.920 because here's why, because it is a major change in 551 00:31:48.920 --> 00:31:53.960 the Lemon law. And this seven day free look on 552 00:31:54.039 --> 00:31:55.319 a new car is amazing. 553 00:31:55.720 --> 00:31:56.720 If they don't let. 554 00:31:56.599 --> 00:31:58.519 You have it checked out or advise you of it, 555 00:31:59.279 --> 00:32:02.160 they must give you a seven day free look. 556 00:32:02.240 --> 00:32:06.359 But that is not for that is not for a 557 00:32:06.519 --> 00:32:08.200 used car. So keep that in mind. 558 00:32:08.440 --> 00:32:12.240 Now on the anger index for cars? What do you 559 00:32:12.480 --> 00:32:18.640 think makes people angry? Well, there's an anger index rating 560 00:32:19.519 --> 00:32:25.680 and it's the ones with the highest percentage of angry buyers. 561 00:32:27.039 --> 00:32:28.160 Do you find isn't that weird? 562 00:32:28.359 --> 00:32:28.880 Huh? 563 00:32:29.720 --> 00:32:30.680 Really so? 564 00:32:32.160 --> 00:32:37.599 The number one anger index car. If you had to guess, 565 00:32:38.640 --> 00:32:41.119 I mean just a wild guest. You have a wild guest, 566 00:32:41.279 --> 00:32:43.000 just a wild guest print? Do you have a wild guest? 567 00:32:43.079 --> 00:32:46.640 The number one indexed rating for anger on a car 568 00:32:46.960 --> 00:32:47.480 Land Rover? 569 00:32:48.359 --> 00:32:49.079 Oh you know what? 570 00:32:49.240 --> 00:32:49.720 That? 571 00:32:49.720 --> 00:32:51.519 That to me would have been one for sure. 572 00:32:51.559 --> 00:32:54.559 But it isn't. But why do you say that? Do 573 00:32:54.599 --> 00:32:55.000 you have one? 574 00:32:55.000 --> 00:32:56.920 Were you the were you unfortunate enough to ever? 575 00:32:57.319 --> 00:32:59.119 No? I just know people who have had them have 576 00:32:59.160 --> 00:33:00.400 a lot of luck with my god. 577 00:33:00.559 --> 00:33:08.039 Okay nine, huh jeep, Nope, it's the This is shocking 578 00:33:08.119 --> 00:33:10.480 to me. Mark, I'll bet you you find this a 579 00:33:10.519 --> 00:33:15.480 little surprising. Ninety nine point three percent index of angry 580 00:33:15.519 --> 00:33:21.599 customers Kia Sedona not all kids the Sedona. 581 00:33:21.160 --> 00:33:22.559 I owned one of those years ago. 582 00:33:23.519 --> 00:33:25.039 Was there anything wrong with it back then? 583 00:33:25.440 --> 00:33:25.680 Yeah? 584 00:33:25.720 --> 00:33:29.880 My wife couldn't stand driving a mini van. Do you 585 00:33:30.039 --> 00:33:32.640 think it just maybe that's what it is. It's the 586 00:33:33.240 --> 00:33:35.400 hormonal thing with middle ages was horrible. 587 00:33:35.440 --> 00:33:38.279 Man Addie was born, we already had miles. We had 588 00:33:38.279 --> 00:33:40.759 to get a bigger car. So I go out. I 589 00:33:40.880 --> 00:33:44.200 surprise her with a brand new Kia Sedona. You could 590 00:33:44.279 --> 00:33:45.880 hit a button and the door would open. 591 00:33:45.920 --> 00:33:46.880 All that kind of crap. 592 00:33:47.240 --> 00:33:50.480 Oh my god, worst worst gift I ever bought. Wait, wait, 593 00:33:50.519 --> 00:33:52.319 it couldn't have been worse than the frying pan you 594 00:33:52.359 --> 00:33:53.440 bought her for mother's sake. 595 00:33:53.559 --> 00:33:54.519 The pans man. 596 00:33:54.680 --> 00:33:58.480 See Mark is the worst gift giver in the world. 597 00:33:58.799 --> 00:34:02.519 A minivan, frying panfa oh, a vacuum one time he 598 00:34:02.640 --> 00:34:04.720 buys her of that, guys, And I'm not kidding he 599 00:34:04.839 --> 00:34:05.759 bought her of it. 600 00:34:05.839 --> 00:34:07.160 Might have been for Valentine's Day. 601 00:34:07.160 --> 00:34:09.760 I'm not I'm not sure, but anyway, that's the number 602 00:34:09.760 --> 00:34:12.480 one anger index. Get your calls in seriously three oh three, 603 00:34:12.559 --> 00:34:14.880 seven to one three Talker call three oh three Martino 604 00:34:14.960 --> 00:34:17.079 three oh three six two seven eight four sixty six. 605 00:34:18.159 --> 00:34:21.440 Go with a sure thing Denver's best roofer Excel Roofing 606 00:34:21.519 --> 00:34:24.199 dot com. You don't pay a cent until you're content. 607 00:34:25.760 --> 00:34:30.000 Please time for an insurance check up free no obligation 608 00:34:30.159 --> 00:34:34.000 comparison call Compass Insurance paying too much your coverage at 609 00:34:34.079 --> 00:34:36.760 dozens of insurance companies. Find out now three oh three 610 00:34:36.960 --> 00:34:39.079 seven to seven to one help. You'll think you're his 611 00:34:39.239 --> 00:34:41.880 only customer when you choose Frank durand the real estate 612 00:34:41.920 --> 00:34:45.159 man dot com to list your home with Remax Alliance 613 00:34:45.400 --> 00:34:47.840 three oh three nine two zero sixteen twenty two. 614 00:34:53.440 --> 00:34:55.880 Dum news. 615 00:34:57.800 --> 00:34:58.679 So you don't have. 616 00:35:00.840 --> 00:35:06.440 Come running, Just as as we can, Shooter's gonna help come. 617 00:35:08.000 --> 00:35:13.280 Six is the Troubleshooter Show. No Tom Martino, Hi. 618 00:35:13.320 --> 00:35:17.039 Tom Martino, You're a troubleshooter three oh three seven one 619 00:35:17.119 --> 00:35:19.760 three talk three oh three seven one three eight two 620 00:35:19.920 --> 00:35:24.199 five five. We're here to help you solve problems, answer questions, 621 00:35:24.280 --> 00:35:26.360 take complaints, make life just a little easier. We have 622 00:35:26.440 --> 00:35:28.760 Brent Ivanson with us from Ideal Home Loans for your 623 00:35:28.800 --> 00:35:30.920 next Ideal Home Loan three oh three eight six seven 624 00:35:31.000 --> 00:35:33.320 seven thousand. Let's go to the phones. By the way, 625 00:35:33.360 --> 00:35:35.039 there's a lot happening in the mortgage business. 626 00:35:35.079 --> 00:35:35.559 We'll go over. 627 00:35:35.639 --> 00:35:36.480 There's a lot happening. 628 00:35:36.519 --> 00:35:43.840 Also on the show, we mentioned six six t Rental cars, 629 00:35:43.960 --> 00:35:48.039 bad ratings, bad reviews, and man, I can see why 630 00:35:49.360 --> 00:35:54.000 they are pissing people off. And uh, I'm getting a 631 00:35:54.039 --> 00:35:56.360 lot of texts about people who had bad experiences. We 632 00:35:56.480 --> 00:35:58.800 had a guy called yesterday who had a bad experience one. 633 00:35:59.159 --> 00:36:00.239 He wants to weigh in on it. 634 00:36:00.400 --> 00:36:00.599 One. 635 00:36:01.239 --> 00:36:02.920 What is your comment? 636 00:36:03.360 --> 00:36:05.679 David called in yesterday. He said, when he brought the 637 00:36:05.760 --> 00:36:09.440 car back, he took a he took a he's in Florida. 638 00:36:09.519 --> 00:36:11.440 He took a road trip to Houston. He rented a 639 00:36:11.519 --> 00:36:15.079 car from sixth he said. Then he took the car 640 00:36:15.199 --> 00:36:19.800 back and was charged some ridiculous amount for bodywork. And 641 00:36:19.920 --> 00:36:24.480 they're based on little nicks, based on a normal, normal use. 642 00:36:24.559 --> 00:36:26.360 I mean, in fact, I don't know how you trace 643 00:36:26.480 --> 00:36:29.480 it to one car or to one rental cycle. 644 00:36:29.960 --> 00:36:33.119 What do you have to say, one, Hey. 645 00:36:33.000 --> 00:36:35.199 We've got a bingo with that one right there. This 646 00:36:35.360 --> 00:36:38.320 is exactly what I right there? How do they trace it? 647 00:36:38.840 --> 00:36:42.639 So we rented many cars all over, just like everybody has. 648 00:36:43.039 --> 00:36:46.159 And you get really used to taking pictures of everything 649 00:36:46.239 --> 00:36:48.519 all the time. Okay, So we had pictures, We looked 650 00:36:48.519 --> 00:36:51.760 at everything. Everything looked great. About a month or a 651 00:36:51.840 --> 00:36:54.039 little bit more than a month later, after we returned 652 00:36:54.079 --> 00:36:57.320 the car in Phoenix Airport, we got a letter with 653 00:36:57.519 --> 00:37:00.360 pictures of damage on the bottom. Same kind of aggress 654 00:37:00.360 --> 00:37:02.639 stuff that you were looking at. Now, I wondered how 655 00:37:02.679 --> 00:37:04.960 many times they've rented that car to somebody else in 656 00:37:05.000 --> 00:37:09.239 the class, right, you know, so of course, you know, 657 00:37:09.280 --> 00:37:11.599 you sit here and you know the kids say fight it, Dad, 658 00:37:11.719 --> 00:37:13.599 fight it and all that, you know, and you know, 659 00:37:13.760 --> 00:37:15.960 sometimes you just bite the bullet, pay the three hundred 660 00:37:15.960 --> 00:37:16.519 bucks to put. 661 00:37:16.440 --> 00:37:17.440 It behind you and be done with it. 662 00:37:17.599 --> 00:37:18.239 That's what I did. 663 00:37:18.719 --> 00:37:19.079 I didn't. 664 00:37:19.159 --> 00:37:21.719 I just thought, well, maybe we went over a curb 665 00:37:21.840 --> 00:37:24.400 or maybe something, you know. I started to believe. And 666 00:37:24.519 --> 00:37:27.880 then I heard your show yesterday or today talking about it, 667 00:37:27.920 --> 00:37:30.639 and I said, yeah, these guys are they're hurting people. 668 00:37:30.760 --> 00:37:30.920 Man. 669 00:37:32.000 --> 00:37:34.599 Thank you for thank you for letting us know. Wan, 670 00:37:34.800 --> 00:37:39.000 thank you very much, because I think that this is 671 00:37:39.119 --> 00:37:42.960 happening all over the country. Now, by the way, they 672 00:37:43.039 --> 00:37:46.599 do have a location here, Deputy Doc, you should call 673 00:37:46.719 --> 00:37:50.440 over there. They have a location in Cherry Creek on 674 00:37:50.679 --> 00:37:53.880 First Avenue, three thousand East, First Avenue. I'm seeing here 675 00:37:54.480 --> 00:38:00.920 a car rental at Denver Cherry Creek. And anyway, what 676 00:38:01.159 --> 00:38:05.800 do they mean by you know, thirteen dollars in damages? 677 00:38:05.880 --> 00:38:11.400 Come on, is Brian on is that? Did he hang up? No? 678 00:38:11.639 --> 00:38:12.159 He dropped? 679 00:38:12.199 --> 00:38:12.360 Man? 680 00:38:12.760 --> 00:38:17.920 Okay, all right, So Anyway, the point is this, if 681 00:38:18.000 --> 00:38:19.760 you rent a car and they tell you to go 682 00:38:19.880 --> 00:38:23.920 around and look at damages, we obviously look at damages 683 00:38:25.559 --> 00:38:28.559 in a different way than they do. I mean, I've 684 00:38:28.599 --> 00:38:31.639 been told when I rented cars before, and this even 685 00:38:31.719 --> 00:38:35.960 includes loaners at dealerships, don't bother with the tiny knicks 686 00:38:36.119 --> 00:38:39.760 and dings. We are only looking at stuff bigger than 687 00:38:40.360 --> 00:38:44.800 a quarter for dance and for dings more than bigger 688 00:38:44.840 --> 00:38:47.599 than a dime. And they they would say, don't worry 689 00:38:47.599 --> 00:38:50.519 about that, don't worry about that. And I've never been charged. 690 00:38:51.440 --> 00:38:56.159 But apparently this is happening with six sixt all over 691 00:38:56.239 --> 00:39:00.480 the country, and it's earned them some pretty damn bad reviews. 692 00:39:00.840 --> 00:39:03.599 I mean, people do not like these people. 693 00:39:04.719 --> 00:39:08.480 And you know, reviews are important because you can't fake. 694 00:39:09.480 --> 00:39:12.079 You can only fake a certain number. You can't fake 695 00:39:12.199 --> 00:39:15.960 that many. But they have a real strong presence on 696 00:39:16.679 --> 00:39:19.920 YouTube and they're doing a real strong digital presence and 697 00:39:20.079 --> 00:39:23.840 social media and all of that. But consumers are finding 698 00:39:24.679 --> 00:39:28.199 really bad I mean, let's put it this way, one 699 00:39:28.280 --> 00:39:31.199 and two stars. All the ones I'm finding one and 700 00:39:31.320 --> 00:39:34.639 two stars, and that's car rental. And then they have 701 00:39:34.800 --> 00:39:37.840 your credit cards, so they don't ask permission. They just 702 00:39:37.880 --> 00:39:42.760 go ahead and charge you. So again, you can text 703 00:39:42.840 --> 00:39:48.239 me we have one here and oh oh Shannon, you 704 00:39:48.320 --> 00:39:49.440 know shennon. 705 00:39:49.320 --> 00:39:50.039 Real quick though. 706 00:39:50.119 --> 00:39:53.039 On car rentals, the one thing people should really remember 707 00:39:53.159 --> 00:39:58.199 there's certain credit cards. Capital Ones has numerous different ones AMX. 708 00:39:58.440 --> 00:40:01.320 They would have covered all that damage regardless of how 709 00:40:01.360 --> 00:40:01.880 it got there. 710 00:40:02.960 --> 00:40:04.800 They they would they wouldn't dispute it. 711 00:40:05.800 --> 00:40:07.920 Well, if they did, Let's put it this way, if 712 00:40:07.920 --> 00:40:10.519 they lost the dispute, they would pay it. 713 00:40:11.360 --> 00:40:16.320 Okay, So have you ever used you know, I hear 714 00:40:16.440 --> 00:40:18.559 this about credit cards. When you use your credit card, 715 00:40:18.719 --> 00:40:22.039 especially that cap one, how do you put an acclaim 716 00:40:22.119 --> 00:40:24.599 for that? I mean do they literally just come in 717 00:40:24.639 --> 00:40:29.880 and pay? Have you have you ever used them for that? 718 00:40:30.800 --> 00:40:31.639 I've never used them. 719 00:40:31.800 --> 00:40:32.480 Oh my god. 720 00:40:32.639 --> 00:40:36.559 I ran into a cement barrier and uh well, I 721 00:40:36.639 --> 00:40:38.599 didn't run into it. I was backing up in this 722 00:40:38.840 --> 00:40:42.039 lane and I backed up incorrectly, and I scraped a 723 00:40:42.119 --> 00:40:44.639 hell out of a rental car, probably about five grand 724 00:40:44.679 --> 00:40:47.480 in damage. And I called up Capital One. It's the 725 00:40:47.559 --> 00:40:49.760 first time I ever did this. This happened last year, 726 00:40:50.199 --> 00:40:52.400 and I took some pictures. I did this and that 727 00:40:52.840 --> 00:40:54.880 and bam, they cut a check to the rental car 728 00:40:55.000 --> 00:40:57.960 company about four months later for like five grand or 729 00:40:58.039 --> 00:41:01.239 whatever it was. Did you ever get popped for lack 730 00:41:01.280 --> 00:41:03.519 of use? I mean no, I never got pop for anything. 731 00:41:03.599 --> 00:41:06.920 It covered the Capitol one covered the Lackey use or yeah. 732 00:41:08.000 --> 00:41:12.719 Lack of use, okay, or the Lackey use in your case. Right, Hey, Tom, 733 00:41:13.840 --> 00:41:14.280 if you go. 734 00:41:14.400 --> 00:41:19.599 To sixth dot com, they say they have enormous amount 735 00:41:19.639 --> 00:41:22.239 of five out of five positive reviews. 736 00:41:23.159 --> 00:41:24.400 That's on their own website. 737 00:41:24.840 --> 00:41:28.639 Yeah, try to find them online. They're not. 738 00:41:29.079 --> 00:41:31.159 Yeah, I see right now, I'm in there with you. 739 00:41:31.360 --> 00:41:33.559 Was saying that they're really a high end right Brent. 740 00:41:34.119 --> 00:41:35.639 Wait, yeah, high end? 741 00:41:36.400 --> 00:41:40.960 Oh yeah, oh yeah, they have beamers and audis. I 742 00:41:41.079 --> 00:41:41.800 didn't realize that. 743 00:41:41.920 --> 00:41:46.199 Yeah, Trip adviser says, quote this rental company is a 744 00:41:46.320 --> 00:41:48.599 hairway from being a total scam. 745 00:41:49.679 --> 00:41:51.679 Whoa think about that? 746 00:41:52.000 --> 00:41:55.199 I mean, what dichotomy from their own website to what 747 00:41:55.320 --> 00:41:56.440 you're actually finding. 748 00:41:57.000 --> 00:42:00.800 And I told you, Adam about four hundred and ninety reviews. 749 00:42:01.360 --> 00:42:03.719 Four hundred and sixty were terrible. 750 00:42:06.199 --> 00:42:11.000 Wow, Well beware people, sixth. This may earn a place 751 00:42:11.119 --> 00:42:12.840 on the sleeves brigade, but I want to try to 752 00:42:12.880 --> 00:42:13.480 get a comment. 753 00:42:13.800 --> 00:42:16.400 Mike's got a comment. Go ahead, Mike, What is your comment? 754 00:42:16.559 --> 00:42:16.719 Sir? 755 00:42:18.400 --> 00:42:22.920 Hey Tom, this wasn't the rental car company that you're 756 00:42:23.000 --> 00:42:25.840 talking about. But yeah, in the middle of COVID, I 757 00:42:25.960 --> 00:42:29.039 had a truck repaired at an autobody shop and they 758 00:42:29.639 --> 00:42:32.400 insurance company got me a rental and there was a 759 00:42:33.280 --> 00:42:36.320 gentleman in his early seventies sitting there and he said, 760 00:42:37.079 --> 00:42:39.480 look the car over real well before you take it? 761 00:42:40.840 --> 00:42:43.079 What happened to him? Him and his wife rented a 762 00:42:43.159 --> 00:42:46.480 car in Vegas and took it back, and the next 763 00:42:46.639 --> 00:42:50.920 week he got a notice from the rental car company 764 00:42:51.760 --> 00:42:54.400 that they were going to charge him thousands of dollars 765 00:42:54.599 --> 00:42:58.719 for undercarriage damage. Apparently somebody had run this car through 766 00:42:58.760 --> 00:43:02.840 the desert and they were pitting him on it and 767 00:43:02.960 --> 00:43:06.800 they found it because of it was time for routine maintenance. 768 00:43:08.119 --> 00:43:09.039 Oh my god. 769 00:43:10.159 --> 00:43:12.039 You know he challenged it. But how do you prove 770 00:43:12.159 --> 00:43:14.800 you didn't do something? And this guy was old enough 771 00:43:15.440 --> 00:43:17.639 I would swear to God that he had never been 772 00:43:17.719 --> 00:43:18.760 off road in his wife. 773 00:43:20.920 --> 00:43:22.679 You know, I don't know what to do about it. 774 00:43:23.079 --> 00:43:25.679 I mean, I guess you avoid them. You avoid them, 775 00:43:25.840 --> 00:43:27.639 You're right, How do you prove you didn't do something. 776 00:43:27.920 --> 00:43:31.159 We've had this once before, years ago here in Denver. 777 00:43:31.559 --> 00:43:38.360 What happened was we demanded through a lawsuit previous rental 778 00:43:38.480 --> 00:43:43.599 records through discovery and found that they repeated this charge. 779 00:43:43.679 --> 00:43:46.079 So that's how we did it, and this place went 780 00:43:46.119 --> 00:43:49.320 out of business. It literally went out of business. But 781 00:43:50.159 --> 00:43:52.559 you can't do that every time you get charged, right, 782 00:43:52.679 --> 00:43:54.039 because it's a lot of money. 783 00:43:55.440 --> 00:44:02.119 So, Man, I really think that you're you're at the 784 00:44:02.239 --> 00:44:04.039 mercy of the company. You really are. 785 00:44:04.400 --> 00:44:07.360 But as Mark said, if you have a credit card 786 00:44:07.440 --> 00:44:09.320 that covers this, don't fight it. 787 00:44:09.480 --> 00:44:10.199 Let them fight it. 788 00:44:11.719 --> 00:44:14.639 If they're charging you for this damage, take them up 789 00:44:14.679 --> 00:44:18.119 at their word and see if it really works. Three 790 00:44:18.199 --> 00:44:21.320 oh three seven one three talk three oh three seven 791 00:44:21.360 --> 00:44:22.440 one three A two five five. 792 00:44:22.559 --> 00:44:25.639 Mark, you sent me pictures. 793 00:44:25.679 --> 00:44:28.559 They're not being opened when I oh wait wait wait 794 00:44:28.679 --> 00:44:31.480 sorry below they are, Okay, I'm sorry, you sent me 795 00:44:31.559 --> 00:44:32.320 the actual photos. 796 00:44:32.519 --> 00:44:35.679 Hey, So this woman after this break, man, Mandy's on 797 00:44:35.800 --> 00:44:39.480 the line. She used to work at sixth Car Rental. 798 00:44:40.679 --> 00:44:43.360 Oh, we'll talk about that, and then we'll also talk 799 00:44:43.360 --> 00:44:45.719 about this Mazda from Springs Automotive. 800 00:44:45.800 --> 00:44:46.360 Right after this. 801 00:44:51.199 --> 00:44:54.440 Go with a sure thing Denver's best roofer Excel Roofing 802 00:44:54.559 --> 00:44:57.199 dot com. You don't pay a cent until you're content. 803 00:45:00.599 --> 00:45:03.719 Time for an insurance check up free, no obligation. In comparison, 804 00:45:03.880 --> 00:45:07.440 call Compass Insurance paying too much your coverage at dozens 805 00:45:07.480 --> 00:45:10.159 of insurance companies find out now three all three seven 806 00:45:10.199 --> 00:45:12.519 to seven to one help. You'll think you're his only 807 00:45:12.639 --> 00:45:15.079 customer when you choose Frank durand the real estate Man 808 00:45:15.159 --> 00:45:18.559 dot com to list your home with Remax Alliance three 809 00:45:18.639 --> 00:45:24.760 all three nine two zero sixteen twenty two U three 810 00:45:24.800 --> 00:45:27.880 all three seven on three Talk seven on three eight 811 00:45:27.880 --> 00:45:32.000 twenty five five. We're talking about six si xt All 812 00:45:32.119 --> 00:45:37.199 Caps sixth a car rental agency that hit a nerve. 813 00:45:37.639 --> 00:45:39.920 I'm getting texts from all over the country. People say 814 00:45:39.960 --> 00:45:43.920 they suck and they charge for damages that were there 815 00:45:44.159 --> 00:45:45.039 time and time again. 816 00:45:45.159 --> 00:45:48.199 Mandy said she worked there. Mandy, what do you know 817 00:45:48.280 --> 00:45:48.920 about sex? 818 00:45:50.280 --> 00:45:54.000 I work there in this past January. And the people 819 00:45:54.280 --> 00:45:58.360 that they is a staffing agency to you know, use 820 00:45:58.440 --> 00:46:01.719 the people that check in the cars, the cars everything, 821 00:46:02.159 --> 00:46:07.239 and there was a most of their employees. Yeah, people 822 00:46:07.239 --> 00:46:08.519 would bring the cars back. 823 00:46:09.079 --> 00:46:10.880 Yeah they would. 824 00:46:11.480 --> 00:46:13.880 Let's say somebody had a slight attitude if they were 825 00:46:14.000 --> 00:46:17.639 late for their plane, or if they parked the car 826 00:46:17.960 --> 00:46:20.639 in a spot that the person they didn't pull up 827 00:46:20.719 --> 00:46:23.559 far enough for the person checking in the car. Yeah, 828 00:46:23.639 --> 00:46:25.880 one in particularly, but it was more than just her 829 00:46:26.280 --> 00:46:29.880 would just start making up as much things about the vehicle, 830 00:46:30.079 --> 00:46:33.119 like saying, oh, this car smells like smoke this car 831 00:46:34.159 --> 00:46:37.599 and just like picking every single thing and trying their 832 00:46:37.639 --> 00:46:41.119 hardest and literally say ooh, I'm going to get them 833 00:46:41.719 --> 00:46:43.559 to have to pay a bad bill. I didn't like 834 00:46:43.639 --> 00:46:46.000 the way that their attitude was or something. 835 00:46:46.119 --> 00:46:49.000 How were the how are the managers though the bosses? 836 00:46:49.039 --> 00:46:49.920 Would they go along? 837 00:46:51.000 --> 00:46:51.599 Come ever? 838 00:46:52.519 --> 00:46:52.840 What's that? 839 00:46:54.280 --> 00:46:57.559 There were never any managers. It was a supervisor that 840 00:46:57.840 --> 00:47:01.960 and the supervisor that I had, yeah, actually went into 841 00:47:02.800 --> 00:47:06.039 Uh a person left their GPS, like a really expensive 842 00:47:06.119 --> 00:47:09.400 GPS in the vehicle, and then he got in to 843 00:47:09.559 --> 00:47:11.679 like check the car and do you know the end 844 00:47:11.719 --> 00:47:13.880 of the state when they bring it back check. 845 00:47:14.280 --> 00:47:19.719 He actually took the GPS and put it in the his. 846 00:47:19.840 --> 00:47:22.679 Stuff to take to still it. And the guy came 847 00:47:22.840 --> 00:47:25.320 back to get the GPS. 848 00:47:25.360 --> 00:47:26.920 And he just acted like. 849 00:47:30.000 --> 00:47:31.800 Like he didn't know where it went. 850 00:47:33.800 --> 00:47:39.119 Did she just disappear? Okay, we lost her. Wow, we're 851 00:47:39.159 --> 00:47:43.800 not we're not hearing good stuff. Kathleen's on the on 852 00:47:43.880 --> 00:47:47.679 the air. She wants to talk about advertising. Kathleen, I'm 853 00:47:47.719 --> 00:47:50.079 Tom Martine. What's going on, Kathleen? Three all three seven 854 00:47:50.079 --> 00:47:52.119 to one three talk is our number. You can also 855 00:47:52.280 --> 00:47:55.320 call three oh three Martino twenty four to seven and 856 00:47:55.519 --> 00:47:56.679 right now, Hey, what's going on? 857 00:47:56.800 --> 00:47:57.199 Kathleen? 858 00:47:58.079 --> 00:48:03.719 We are receiving many calls I'd say six a day now, 859 00:48:03.960 --> 00:48:08.199 for easily a week about were you in a car 860 00:48:08.400 --> 00:48:10.360 accident two years ago? 861 00:48:10.559 --> 00:48:11.679 We want to refer you. 862 00:48:12.159 --> 00:48:16.199 And they're all local numbers, not ever the same number. 863 00:48:16.079 --> 00:48:19.559 Really, and but may I ask you? Have you been 864 00:48:19.639 --> 00:48:20.360 in an accident? 865 00:48:21.159 --> 00:48:26.119 Well, it's been many years ago. In his truck was totaled, 866 00:48:26.719 --> 00:48:31.480 so he was able to have a total or transferred 867 00:48:32.039 --> 00:48:33.519 and eventually. 868 00:48:33.159 --> 00:48:37.000 Yeah, well apparently they know that, right apparently, But why 869 00:48:37.159 --> 00:48:40.000 are you getting them now? I wonder if it happened. 870 00:48:40.199 --> 00:48:41.639 How many years ago did it happen? 871 00:48:42.320 --> 00:48:47.079 I think it's been three. But why are people calling? 872 00:48:47.519 --> 00:48:51.079 And we just he makes up these stories. Yeah, four 873 00:48:51.199 --> 00:48:55.079 people were killed and then they didn't know what to 874 00:48:55.199 --> 00:48:58.079 do with the truck, and then they and then they hang. 875 00:48:58.000 --> 00:49:02.599 Up and yeah, yeah, that's terrible. It's terrible that they're 876 00:49:02.679 --> 00:49:08.400 calling you. I wonder how that happened. Why what? Yeah, 877 00:49:08.599 --> 00:49:09.000 we know what. 878 00:49:09.280 --> 00:49:10.719 That's a great idea. 879 00:49:11.360 --> 00:49:14.800 Again, even though Mark doesn't know anything about music, he 880 00:49:15.000 --> 00:49:19.039 does have good ideas about the show. Mark. Let's let's 881 00:49:19.079 --> 00:49:21.119 call John Fuller. I think that's a great idea. 882 00:49:21.800 --> 00:49:22.280 I do. 883 00:49:22.440 --> 00:49:24.519 I think it's a great idea. And we'll call him. 884 00:49:25.360 --> 00:49:28.440 I want to ask him his opinion on that. Three 885 00:49:28.480 --> 00:49:30.639 oh three seven one three talk seven one three eight 886 00:49:30.679 --> 00:49:33.000 two five five. We have a question for brent ivans 887 00:49:33.079 --> 00:49:36.480 and ideal home loans. Brent, so if they refinance and 888 00:49:36.559 --> 00:49:40.719 you you advertise refinancing, if the rates go down, so 889 00:49:41.599 --> 00:49:44.679 they want to know really, and again I want to know. 890 00:49:44.880 --> 00:49:47.239 So if I refinance, say whatever it is. 891 00:49:47.320 --> 00:49:49.480 What is it let's say six eight seven, five? 892 00:49:49.880 --> 00:49:51.280 What does that have to go down to for you 893 00:49:51.360 --> 00:49:52.519 to retake another look at it? 894 00:49:52.760 --> 00:49:55.119 It just has to make sense for you to save money. 895 00:49:55.599 --> 00:49:58.320 Okay, So do you call me or do I have 896 00:49:58.400 --> 00:49:58.840 to monitor? 897 00:49:58.960 --> 00:49:59.079 Well? 898 00:49:59.280 --> 00:50:00.800 And I don't expect by the way. 899 00:50:00.639 --> 00:50:01.840 No, no, we monitor it. 900 00:50:02.079 --> 00:50:03.719 Will you monitor every loan you've done? 901 00:50:03.960 --> 00:50:06.199 We'll reach out. We have an analytic Oh see. 902 00:50:06.000 --> 00:50:08.840 You have an automatic that's a cool system. And you say, hey, 903 00:50:08.920 --> 00:50:10.800 you recently did a loan, we can do it again. 904 00:50:10.960 --> 00:50:13.440 We can do it again, and it doesn't you don't charge. 905 00:50:13.280 --> 00:50:13.639 Them for it. 906 00:50:13.840 --> 00:50:15.239 No, no lender fees once. 907 00:50:15.440 --> 00:50:17.559 Once you've done alone with us, you won't pay lender 908 00:50:17.639 --> 00:50:19.840 fees ever again on any loan that you pay. 909 00:50:20.960 --> 00:50:23.679 Ever, you just pay the normal prepaigsy, just. 910 00:50:23.679 --> 00:50:24.719 Pay your normal prepage. 911 00:50:25.159 --> 00:50:27.320 And I thought it was a two year deal. You're 912 00:50:27.360 --> 00:50:28.440 saying it's infinite. 913 00:50:28.880 --> 00:50:31.239 Yeah, that's what I thought. Yep, it's infinite. 914 00:50:31.559 --> 00:50:34.360 So they extended it marked to lifetime. 915 00:50:34.480 --> 00:50:36.360 Once you're a customer, you're always a ca If I 916 00:50:36.440 --> 00:50:38.880 did a loan right now to pay off credit card 917 00:50:38.960 --> 00:50:41.480 did and it was seven percent seven and a half. 918 00:50:41.800 --> 00:50:44.199 Then a year later rate you're down to five. You're 919 00:50:44.239 --> 00:50:45.639 going to refie me for free. 920 00:50:46.119 --> 00:50:46.880 Yep, that's right. 921 00:50:47.199 --> 00:50:47.400 Yeah. 922 00:50:47.440 --> 00:50:49.760 Now, when we say the normal prepage, you got to 923 00:50:49.760 --> 00:50:50.679 do your escros and all that. 924 00:50:51.079 --> 00:50:53.360 Escros title about, but you're not gonna there will be 925 00:50:53.480 --> 00:50:56.639 no no points, yep, no lender fees from Ideal Home loans. 926 00:50:58.360 --> 00:51:00.199 I don't know anybody doing that right. 927 00:51:00.639 --> 00:51:02.519 Well, the reason we did that mark too is that, look, 928 00:51:02.639 --> 00:51:05.320 we also have clients like think about this. Okay, everybody's 929 00:51:05.360 --> 00:51:08.239 situation changes. Okay, So and this is where we came 930 00:51:08.320 --> 00:51:10.960 up with evolved by ideal. Hey, maybe you need a 931 00:51:11.000 --> 00:51:12.960 smaller house, maybe you need a bigger house. Maybe you're 932 00:51:12.960 --> 00:51:14.719 going to buy a second home. Maybe you're gonna buy an. 933 00:51:15.840 --> 00:51:19.239 Is your system change or is your circumstances change, your 934 00:51:19.280 --> 00:51:22.480 loan can change with you. I got a loan, I 935 00:51:22.559 --> 00:51:23.599 got a technical question. 936 00:51:23.639 --> 00:51:26.199 Okay, So if I'm a customer of yours and then 937 00:51:26.239 --> 00:51:31.239 I buy another property, though it doesn't apply to new loans, loan, 938 00:51:31.719 --> 00:51:33.679 come on, wait a minute. 939 00:51:33.760 --> 00:51:36.559 So if I and I'm not I'm not trying to 940 00:51:36.599 --> 00:51:39.039 trick you, and I really mean this. 941 00:51:39.159 --> 00:51:40.880 So if I buy a house with you, and I 942 00:51:41.079 --> 00:51:43.239 I finance this house with you, and then I go 943 00:51:43.320 --> 00:51:45.119 out and find a rental, You're not going to charge 944 00:51:45.159 --> 00:51:46.199 me lender fees on that loan. 945 00:51:46.280 --> 00:51:47.800 Nope, we're not going to charge your lender fees on 946 00:51:47.840 --> 00:51:48.119 that loan. 947 00:51:49.159 --> 00:51:52.599 You're saying, once a customer, you're covered. 948 00:51:52.760 --> 00:51:54.119 That's right, you're covered. 949 00:51:54.360 --> 00:51:58.480 Mark. That is like one of the coolest marketing I've 950 00:51:58.519 --> 00:52:01.159 never you know, on their commercial I used to say, 951 00:52:01.599 --> 00:52:03.480 you know, no lender fees when you REFI but I 952 00:52:03.599 --> 00:52:05.920 never said once you're a customer year customer is at 953 00:52:05.960 --> 00:52:08.559 the owner of the company, I'd be checking with the owner. 954 00:52:09.199 --> 00:52:09.559 Yeah, I know. 955 00:52:10.320 --> 00:52:13.719 John Fuller Key is the owner of Fuller Law. John 956 00:52:13.800 --> 00:52:16.760 Fuller is our personal injury expert. Seriously, I want to 957 00:52:16.800 --> 00:52:21.159 talk to him about something. Hey, John, this woman is 958 00:52:21.320 --> 00:52:24.440 getting calls or her husband gets calls over and over 959 00:52:24.519 --> 00:52:28.519 again for an accident that happened two years ago, saying 960 00:52:28.639 --> 00:52:31.920 have you know have What do they ask, specifically. 961 00:52:31.400 --> 00:52:37.760 Kathleen, they're asking, I'd like to talk to you about 962 00:52:37.840 --> 00:52:41.679 your accident years ago and I can't remember if it 963 00:52:41.800 --> 00:52:42.559 was two retreats. 964 00:52:42.599 --> 00:52:44.079 What do they want to know? I mean, what do 965 00:52:44.159 --> 00:52:46.800 they want to know? Did you settle or is it open? 966 00:52:46.920 --> 00:52:47.679 Do you need help? 967 00:52:47.760 --> 00:52:48.400 What do they want to know? 968 00:52:48.519 --> 00:52:48.920 All of that? 969 00:52:49.920 --> 00:52:52.760 Well, we don't go any further than that. 970 00:52:53.079 --> 00:52:58.280 Okay, got it, got it, John Fuller. The marketing. I'm 971 00:52:58.320 --> 00:53:00.800 all for marketing, But where do they get the information 972 00:53:01.440 --> 00:53:03.960 that and why are they getting a flow of calls 973 00:53:04.000 --> 00:53:04.639 Two years later? 974 00:53:07.280 --> 00:53:10.440 Tom and I've gotten these same calls. I think that 975 00:53:11.400 --> 00:53:16.719 they're buying data of people that have made property damage claims. 976 00:53:16.920 --> 00:53:19.960 So they think if they get somebody who had a 977 00:53:20.039 --> 00:53:22.599 car repaired, which typically happens at the beginning of the 978 00:53:22.719 --> 00:53:26.119 case that a statistical number of those people will have 979 00:53:26.280 --> 00:53:31.400 been injured and maybe, you know, maybe open to hiring 980 00:53:31.440 --> 00:53:35.360 an attorney, you know, for the injury case. I personally 981 00:53:35.440 --> 00:53:38.079 believe that it's way over the line as far as 982 00:53:38.159 --> 00:53:43.280 ethical marketing techniques in Colorado. I have tried every time 983 00:53:43.440 --> 00:53:46.079 they have called me, I have tried to get through 984 00:53:46.639 --> 00:53:48.559 to the point that they would connect me with the 985 00:53:48.639 --> 00:53:51.159 law firm that was responsible. And I've given them every 986 00:53:51.239 --> 00:53:54.639 answer you can imagine about how bad my injuries were 987 00:53:54.800 --> 00:53:58.639 and all this stuff, and they always seem to ferret 988 00:53:58.719 --> 00:54:00.559 me out somehow and they hang up on me. And 989 00:54:00.639 --> 00:54:04.079 I've tried it, I guarantee you I've tried it fifteen 990 00:54:04.239 --> 00:54:06.599 times and I've never gotten through. 991 00:54:06.679 --> 00:54:09.079 So I don't know who the law firm is. 992 00:54:09.159 --> 00:54:11.079 But if I have a frien out who was doing that, 993 00:54:11.639 --> 00:54:14.360 I would report them to the bar, because I absolutely 994 00:54:14.440 --> 00:54:16.159 think that's an appropriate way. 995 00:54:16.360 --> 00:54:18.679 You know, you would strange guys as I've had two 996 00:54:18.840 --> 00:54:21.800 calls now and berries up online too. But I don't 997 00:54:21.840 --> 00:54:24.599 think these people ever were in an accident. So it's 998 00:54:24.679 --> 00:54:26.840 like I don't even know where the data comes from. 999 00:54:27.400 --> 00:54:30.280 Well, and I wasn't either, Mark, but I've I'm you know, 1000 00:54:30.360 --> 00:54:33.519 I've been involved in hundreds and hundreds of claims with 1001 00:54:33.760 --> 00:54:36.079 my clients, and I think somehow I wound up on 1002 00:54:36.199 --> 00:54:39.599 one of those lists. But you know, I can't seem 1003 00:54:39.679 --> 00:54:41.639 to get through. So if anybody ever gets through and 1004 00:54:41.719 --> 00:54:44.920 actually gets an appointment with an attorney, call me and 1005 00:54:45.000 --> 00:54:47.000 let me know who it is. I'd sure love to know. 1006 00:54:47.719 --> 00:54:50.639 Hey, John, do they regulate how you advertise? 1007 00:54:51.360 --> 00:54:51.519 Oh? 1008 00:54:51.639 --> 00:54:55.719 Yeah, absolutely, there is absolute, you know, a scrutiny of 1009 00:54:55.840 --> 00:54:57.199 just about every single thing. 1010 00:54:57.119 --> 00:55:00.880 That that's that whole ambulance chase her deal, right it is. 1011 00:55:01.079 --> 00:55:03.719 I mean, you can advertise till the cows come home 1012 00:55:03.920 --> 00:55:07.440 in general, but you're not supposed to contact people directly. 1013 00:55:07.559 --> 00:55:12.000 So sometimes I'll get referrals that basically say, hey, John, 1014 00:55:12.159 --> 00:55:13.880 you know my cousin got in an accident. 1015 00:55:14.199 --> 00:55:14.880 Here's his phone. 1016 00:55:14.880 --> 00:55:15.760 I'm call him up. 1017 00:55:16.119 --> 00:55:19.280 I really can't do that. Ethical rules don't permit me 1018 00:55:19.679 --> 00:55:23.480 to solicit business from that person directly. If they call 1019 00:55:23.599 --> 00:55:25.719 me or they say, hey, please give me a call back, 1020 00:55:26.039 --> 00:55:27.280 then that's fair game. 1021 00:55:27.400 --> 00:55:28.639 So I think that these. 1022 00:55:28.920 --> 00:55:32.519 People that are advertising by calling these lists, and maybe 1023 00:55:32.599 --> 00:55:34.599 what they do is they have a third party company 1024 00:55:34.679 --> 00:55:36.920 that's not the attorney, and they're a referral company, and 1025 00:55:36.960 --> 00:55:40.840 they found a loophole. But eventually, I promise you they're 1026 00:55:40.880 --> 00:55:43.079 going to land on some attorney's desk and I don't 1027 00:55:43.079 --> 00:55:45.840 know who it is, but in my mind, that is 1028 00:55:46.159 --> 00:55:49.000 over the line as far as what you can ethically 1029 00:55:49.079 --> 00:55:52.519 do to solicit business in Colorado. 1030 00:55:53.840 --> 00:55:54.199 All right. 1031 00:55:54.440 --> 00:55:57.800 So that's John Fuller, our personal injury expert and attorney 1032 00:55:58.239 --> 00:56:02.760 at law, and he he's responding to these calls people 1033 00:56:02.800 --> 00:56:05.320 are getting. Uh, he's at three h three five nine 1034 00:56:05.400 --> 00:56:09.840 seven forty five hundred. Barry, do you have the same 1035 00:56:09.960 --> 00:56:10.599 kind of comment? 1036 00:56:11.760 --> 00:56:14.280 Yes, I do. I keep getting these calls, but I 1037 00:56:14.320 --> 00:56:16.719 also call some other people and it's a local number, 1038 00:56:16.760 --> 00:56:19.400 and I asked him where are you calling from? They 1039 00:56:19.519 --> 00:56:22.039 driven to hang up, But that time somebody calls, I 1040 00:56:22.079 --> 00:56:25.639 will hang on. I actually talked to somebody and find 1041 00:56:25.679 --> 00:56:29.079 out where's calling from and maybe maybe how they got 1042 00:56:29.119 --> 00:56:29.599 my number. 1043 00:56:31.920 --> 00:56:33.639 Yeah, you can't find out, right. 1044 00:56:34.559 --> 00:56:36.239 No, I can, but I haven't heard recently. 1045 00:56:36.719 --> 00:56:40.239 Why don't you try. Anybody listening try and tell us 1046 00:56:40.280 --> 00:56:41.159 who they connect you with. 1047 00:56:41.559 --> 00:56:42.199 We'd like to know. 1048 00:56:42.239 --> 00:56:45.679 All right, Thank you, Thank you, Berry. You know I 1049 00:56:45.800 --> 00:56:49.559 get these calls, Hey big boy, are you available? But 1050 00:56:50.039 --> 00:56:51.639 that's all I get. I don't know where they get 1051 00:56:51.679 --> 00:56:57.760 my name, Mark, What do you think it's coming from? Mark? 1052 00:56:57.960 --> 00:56:59.719 You got a good sense usually, what do you think? 1053 00:57:00.719 --> 00:57:01.079 I think? 1054 00:57:01.440 --> 00:57:03.639 We'll say it again, ask the question again. You know 1055 00:57:03.840 --> 00:57:06.519 these calls? Where do you think the data is coming 1056 00:57:06.719 --> 00:57:08.639 I don't know where the data is coming from. 1057 00:57:08.719 --> 00:57:11.360 But I'm sure some company figured out how to get 1058 00:57:11.440 --> 00:57:14.440 data of possibly people that have been in accidents. But 1059 00:57:14.519 --> 00:57:16.920 even more, it might just be a total phishing scheme 1060 00:57:17.199 --> 00:57:19.360 to anybody that owns a car in a certain state. 1061 00:57:19.679 --> 00:57:22.920 They get the data, then they just go out fishing, 1062 00:57:22.960 --> 00:57:24.800 and then they sell the leads to an attorney. 1063 00:57:25.199 --> 00:57:27.920 Now that could be actually that could be not an 1064 00:57:27.960 --> 00:57:31.000 attorney doing it at all, but then selling the leads afterwards. 1065 00:57:31.119 --> 00:57:32.360 Hey we got more combination? 1066 00:57:32.840 --> 00:57:37.679 Yeah, everybody, just get an app called hi hi Ya. 1067 00:57:38.199 --> 00:57:41.760 It's a free screening app and it will significantly reduce 1068 00:57:42.079 --> 00:57:45.119 the number of junk calls you get Hiya. 1069 00:57:45.440 --> 00:57:46.199 How does it work? 1070 00:57:46.719 --> 00:57:47.079 I don't know. 1071 00:57:47.480 --> 00:57:50.039 It just it screens a lot of these junk calls 1072 00:57:50.440 --> 00:57:51.679 from my telephone. 1073 00:57:52.079 --> 00:57:55.719 You know there are all kinds of those. That's an 1074 00:57:55.760 --> 00:58:00.960 ID blocker. I don't know how it works. Free lose No, 1075 00:58:01.199 --> 00:58:05.679 I mean, you know, well, sometimes and I'm not saying 1076 00:58:05.760 --> 00:58:07.800 with this, sometimes you have a lot to lose because 1077 00:58:07.840 --> 00:58:09.119 what they do is gain access. 1078 00:58:09.800 --> 00:58:11.760 You know, I want to tell you about that. 1079 00:58:12.400 --> 00:58:15.599 I almost install an app out of curiosity and then 1080 00:58:15.639 --> 00:58:21.840 I actually read. I read the disclaimer and it has 1081 00:58:21.920 --> 00:58:25.000 to do with making money playing solitaire. Have you ever 1082 00:58:25.079 --> 00:58:27.440 seen those ads? You know you can make money paying 1083 00:58:27.519 --> 00:58:29.960 solitaire or playing games on your phone. Oh, they're all 1084 00:58:30.000 --> 00:58:32.480 over the place. Oh, wait till you hear what. I 1085 00:58:33.280 --> 00:58:35.239 wait to hear what I discovered about this one. We 1086 00:58:35.360 --> 00:58:43.440 got more coming up. Go with a sure thing Denver's 1087 00:58:43.480 --> 00:58:46.320 Best roofer Excel Roofing dot com. You don't pay a 1088 00:58:46.480 --> 00:58:52.880 cent until you're content. Time for an insurance check up free, 1089 00:58:53.039 --> 00:58:56.719 no obligation. In comparison, call Compass Insurance paying too much 1090 00:58:56.880 --> 00:58:59.760 your coverage at dozens of insurance companies find out now 1091 00:59:00.000 --> 00:59:02.599 three three seven seven to one help. You'll think you're 1092 00:59:02.679 --> 00:59:05.199 his only customer when you choose Frank durand the real 1093 00:59:05.280 --> 00:59:08.239 estate Man dot com to list your home with Remax 1094 00:59:08.320 --> 00:59:11.320 Alliance three oh three nine two zero sixteen twenty two. 1095 00:59:14.440 --> 00:59:17.079 Hi Tom, Martine here three oh three seven one three 1096 00:59:17.159 --> 00:59:18.719 talks seven one three eight two five five. 1097 00:59:19.480 --> 00:59:21.559 All right, Tyler, what's happening? 1098 00:59:22.320 --> 00:59:22.880 Hi? Tyler? 1099 00:59:23.559 --> 00:59:24.960 Hi, what's going on? 1100 00:59:26.440 --> 00:59:26.679 Yeah? 1101 00:59:26.800 --> 00:59:33.119 So I'm in the process of selling my landscape company. Yeah, 1102 00:59:33.360 --> 00:59:37.360 and I just want to trying to make sure that 1103 00:59:37.519 --> 00:59:40.239 the buyer that it interested is wanting to do it 1104 00:59:40.320 --> 00:59:44.039 in installments and trying to find a way do they 1105 00:59:44.239 --> 00:59:48.840 make a contract in some way that sure I get protected? 1106 00:59:49.320 --> 00:59:51.159 Okay, Tyler, I want to ask you a few things. 1107 00:59:51.199 --> 00:59:55.800 Okay, First of all, it's it's damn near impossible to 1108 00:59:55.960 --> 01:00:00.679 truly be protected when selling an enterprise on install that 1109 01:00:00.840 --> 01:00:04.199 goes for any business anywhere at any time other than 1110 01:00:04.239 --> 01:00:08.480 a franchise. Franchises are different. But if you're simply selling, first, 1111 01:00:08.519 --> 01:00:09.320 I need to ask. 1112 01:00:09.239 --> 01:00:10.239 Some basic questions. 1113 01:00:10.320 --> 01:00:14.920 Okay, what are you actually selling when you said your business? 1114 01:00:15.079 --> 01:00:19.400 Because in a business you have two main assets too, 1115 01:00:20.159 --> 01:00:25.360 you have equipment, well actually three equipment inventory, and you 1116 01:00:25.639 --> 01:00:26.639 have customers. 1117 01:00:26.840 --> 01:00:29.320 But you can't really sell. 1118 01:00:31.679 --> 01:00:34.280 Well, you can sell customers, but you can't guarantee it 1119 01:00:34.840 --> 01:00:38.840 equipment you can sell. So what are you actually selling? 1120 01:00:40.320 --> 01:00:44.280 So I'm selling some of my some equipment as well 1121 01:00:44.400 --> 01:00:50.760 as the accounts. So like the clients that since well 1122 01:00:50.880 --> 01:00:55.159 not able to finish off this season of lawnmowing, was 1123 01:00:55.239 --> 01:00:58.239 selling the accounts and then this new company can take 1124 01:00:58.320 --> 01:01:00.199 over existing. 1125 01:01:00.719 --> 01:01:04.719 Okay, now, how many clients do you have? 1126 01:01:06.360 --> 01:01:08.559 Oh, we had about sixty six right now. 1127 01:01:09.400 --> 01:01:13.880 And will those clients stick with the new company? Do 1128 01:01:14.000 --> 01:01:14.320 you think? 1129 01:01:14.400 --> 01:01:16.840 I mean, are they loyal? How long have you had them? 1130 01:01:18.599 --> 01:01:22.000 It depends. Some we've had for about five years and 1131 01:01:22.079 --> 01:01:25.480 then others we just got this year. So there's a 1132 01:01:25.639 --> 01:01:26.519 variety of. 1133 01:01:28.159 --> 01:01:29.719 How long have you had the business? 1134 01:01:30.000 --> 01:01:34.960 Tyler, I want to say seven years? 1135 01:01:35.039 --> 01:01:38.599 Now, Hey, what's the annual revenue? I'm just curious. 1136 01:01:39.760 --> 01:01:41.800 About sixty thousand? 1137 01:01:42.000 --> 01:01:43.039 And how much he asking? 1138 01:01:44.480 --> 01:01:44.599 Oh? 1139 01:01:44.880 --> 01:01:46.480 Asking five hundred. 1140 01:01:47.199 --> 01:01:51.920 Oh that's nothing. And this person, this person who's buying it, 1141 01:01:52.880 --> 01:01:57.480 does not have the sixty five hundred. 1142 01:01:58.599 --> 01:02:02.039 That's what they were saying, and with the session that's 1143 01:02:02.039 --> 01:02:05.280 happening now and all these excuses that they don't have 1144 01:02:05.480 --> 01:02:10.360 the money. But also this company that's looking to buy it, 1145 01:02:11.079 --> 01:02:14.159 it hadn't existing landscape company. They just don't do the 1146 01:02:14.360 --> 01:02:16.880 lawnmowing side. So they're expanding. 1147 01:02:17.039 --> 01:02:20.559 So that's kind of how we think came I get 1148 01:02:20.599 --> 01:02:23.159 it valued higher than that if you've had that revenue 1149 01:02:23.280 --> 01:02:24.239 for seven years. 1150 01:02:25.639 --> 01:02:27.800 That's what I meant. It's almost nothing a payment. I'm 1151 01:02:27.880 --> 01:02:32.480 sixty five hundred dollars under their circumstance. Ever, right, what 1152 01:02:32.599 --> 01:02:36.239 I'm thinking is this tyler, the equipment. How much is 1153 01:02:36.320 --> 01:02:39.000 the equipment really worth in a fire sale? 1154 01:02:41.480 --> 01:02:43.920 About fifteen hundred. 1155 01:02:44.320 --> 01:02:47.920 Okay, I would insist on getting paid for the equipment 1156 01:02:48.000 --> 01:02:50.679 up front because it's going to be worth nothing once 1157 01:02:50.760 --> 01:02:53.880 they take it and use it. So I would insist 1158 01:02:54.079 --> 01:02:59.800 on putting that down plus a reasonable payment on revenue 1159 01:03:00.159 --> 01:03:04.880 for the rest of this season. Now, the problem is this, Okay, 1160 01:03:05.679 --> 01:03:09.679 they can have so many reasons, like like, what are 1161 01:03:09.760 --> 01:03:13.880 they proposing, by the way, as far as attrition, are 1162 01:03:14.000 --> 01:03:16.480 they saying if they lose customers and they're not going 1163 01:03:16.519 --> 01:03:18.480 to pay on them? Or what are they actually saying? 1164 01:03:20.159 --> 01:03:23.840 They didn't menagine anything like that. But since we don't 1165 01:03:23.880 --> 01:03:29.440 have any contracts with that client, it's there's no guarantee 1166 01:03:29.559 --> 01:03:32.119 that they would stick with this new company once they 1167 01:03:32.800 --> 01:03:33.239 step in. 1168 01:03:33.760 --> 01:03:37.800 Look, John, you know the different clients you have the 1169 01:03:37.880 --> 01:03:40.199 address is how long they have been with you? And 1170 01:03:40.320 --> 01:03:42.400 everything looks good, I'll write you a check for it? 1171 01:03:44.239 --> 01:03:44.800 What Mark? 1172 01:03:45.639 --> 01:03:47.559 Yeah, I know someone I can sell it to. So 1173 01:03:47.679 --> 01:03:50.320 I mean it's like, yeah, you're you're tyler. I think really, 1174 01:03:50.400 --> 01:03:52.519 what I'm trying to tell you is you're you're under 1175 01:03:52.679 --> 01:03:57.800 selling this if it's okay, So but I okay, you 1176 01:03:57.880 --> 01:03:59.519 know what, Let's take a break, Tom, and then I 1177 01:03:59.599 --> 01:04:02.960 got you with RPC on they go through buying and 1178 01:04:03.079 --> 01:04:05.400 selling businesses all the time for their clients. 1179 01:04:06.000 --> 01:04:09.119 Best Retirement Planning Center the Rockies. Good, let's do that. 1180 01:04:09.239 --> 01:04:10.679 I'm Tom Martino. More coming up. 1181 01:04:14.400 --> 01:04:17.639 Go with a sure thing Denver's Best roofer Excel Roofing 1182 01:04:17.760 --> 01:04:20.400 dot com. You don't pay a cent until you're content. 1183 01:04:23.760 --> 01:04:26.920 Time for an insurance check up free no obligation comparison 1184 01:04:27.079 --> 01:04:30.639 call Compass Insurance paying too much your coverage at dozens 1185 01:04:30.679 --> 01:04:33.360 of insurance companies find out now three oh three seven 1186 01:04:33.519 --> 01:04:36.280 seven to one help. You'll think you're his only customer 1187 01:04:36.360 --> 01:04:38.519 when you choose Frank Durand the real estate Man dot 1188 01:04:38.639 --> 01:04:41.920 com to list your home with Remax Alliance three oh 1189 01:04:42.000 --> 01:04:50.280 three nine two zero sixteen twenty two. Hi Tom Martino, 1190 01:04:50.440 --> 01:04:54.840 your troubleshooter three O three seven one three talk seven 1191 01:04:54.920 --> 01:04:57.000 one three eight two five five. 1192 01:04:58.679 --> 01:05:02.880 We'll bring up Jared who with Jared Is with. 1193 01:05:05.199 --> 01:05:09.280 Retirement Planning Center of the Rockies. Are we talking are 1194 01:05:09.320 --> 01:05:11.480 we talking about? Is it Jared or Jarris? 1195 01:05:11.719 --> 01:05:14.559 Jared is Jared Jarriff, Tom Jeris. 1196 01:05:14.800 --> 01:05:18.440 That's what I thought, Jarris, Okay, because it's Jeneral. I 1197 01:05:18.480 --> 01:05:22.920 don't know of any Jared Well, I actually do Jaris. Listen, man, 1198 01:05:23.280 --> 01:05:25.960 the market's like Paris, but with a j got it, 1199 01:05:26.239 --> 01:05:30.119 you got it? So jarriis. What I'd like to know 1200 01:05:30.320 --> 01:05:31.199 is when. 1201 01:05:31.079 --> 01:05:32.199 You're selling a business. 1202 01:05:32.320 --> 01:05:34.800 Now he's not retiring, but you you talk to a 1203 01:05:34.840 --> 01:05:37.679 lot of guys selling a business. How do they normally 1204 01:05:38.239 --> 01:05:39.360 value a business? 1205 01:05:40.480 --> 01:05:43.519 Depends on the industry, but there's usually a multiplier of 1206 01:05:43.599 --> 01:05:46.400 either revenue or earnings. So you know, if he's saying 1207 01:05:46.480 --> 01:05:49.679 this revenue sixty thousand a year, sometimes you can get 1208 01:05:50.039 --> 01:05:52.280 half or two thirds or even you know one time's 1209 01:05:52.320 --> 01:05:55.880 that depends on what the earnings is. Though after expenses, 1210 01:05:55.880 --> 01:05:58.119 I don't know. Tyler. Is Tyler still on the line, Yes. 1211 01:05:58.119 --> 01:06:02.320 Yes, Tyler, Tyler. Out of the sixty how much of 1212 01:06:02.400 --> 01:06:05.440 that do you do you attribute to expenses? Now, when 1213 01:06:05.480 --> 01:06:08.920 we say expenses, we mean the salary it would take 1214 01:06:09.000 --> 01:06:12.119 to do those lawns and the cost of fuel and 1215 01:06:12.199 --> 01:06:14.920 all of that maintenance everything else. 1216 01:06:18.199 --> 01:06:22.239 To be I want to say about like five set 1217 01:06:22.280 --> 01:06:23.440 of thousand. 1218 01:06:24.599 --> 01:06:28.199 Five to seven thousand, what expenses hold on? 1219 01:06:28.559 --> 01:06:29.119 Yeah, with. 1220 01:06:31.280 --> 01:06:34.159 Having to do maintenance on equipment or buy no, no 1221 01:06:34.440 --> 01:06:34.840 here here. 1222 01:06:35.320 --> 01:06:37.119 Let me explain this to you. Let me explain this 1223 01:06:37.159 --> 01:06:39.119 to you. Who does those sixty lawns? 1224 01:06:41.119 --> 01:06:42.559 Me and my two brothers. 1225 01:06:42.960 --> 01:06:46.960 Okay, those sixty lawns take how long to do each lawn? 1226 01:06:49.639 --> 01:06:52.280 Ay abound twenty minutes a. 1227 01:06:52.320 --> 01:06:57.800 Long twenty minutes a lawn. So if we do that 1228 01:06:58.000 --> 01:07:02.920 times twenty minutes sixty lawns, that's twelve hundred minutes divided 1229 01:07:03.000 --> 01:07:06.880 by sixty would give you twenty hours to do all 1230 01:07:06.960 --> 01:07:09.679 of your lawns. Is that correct or does it take longer? 1231 01:07:11.039 --> 01:07:13.079 I would say that's about accurate. 1232 01:07:13.760 --> 01:07:15.679 And then you got to get to and from You 1233 01:07:15.800 --> 01:07:18.239 got to get to and from those lawns and in between, 1234 01:07:18.960 --> 01:07:21.679 and you almost have to put another fifty percent factor 1235 01:07:21.760 --> 01:07:26.000 on for thirty So if you take thirty hours, okay, 1236 01:07:26.800 --> 01:07:30.400 and because you work a whole week for these lawns, right, 1237 01:07:32.280 --> 01:07:34.000 so it's about thirty hours for sure. 1238 01:07:34.320 --> 01:07:37.639 So how much is the cost of labor for thirty hours? 1239 01:07:38.239 --> 01:07:41.119 Okay? What is the cost of labor? How much per hour? 1240 01:07:41.760 --> 01:07:42.920 Do you figure it out? 1241 01:07:43.000 --> 01:07:43.440 Per hour? 1242 01:07:43.559 --> 01:07:46.679 Because I don't think you're getting an accurate view of 1243 01:07:46.880 --> 01:07:52.559 what you're making thirty hours at how much an hour? 1244 01:07:52.719 --> 01:07:55.400 If you were going to hire someone, how much would 1245 01:07:55.400 --> 01:07:56.800 you have to pay them per hour? 1246 01:07:58.880 --> 01:08:01.519 I would probabund twenty an hour. 1247 01:08:03.239 --> 01:08:07.840 Okay, So you're looking at six hundred dollars in labor 1248 01:08:09.239 --> 01:08:14.880 per week. Okay, right, six hundred per week. Times let's 1249 01:08:15.000 --> 01:08:19.600 just say, how many weeks a year do you work? Oh, 1250 01:08:19.760 --> 01:08:24.479 let's see for how many weeks a year for this landscaping? 1251 01:08:26.039 --> 01:08:27.600 Only sixteen weeks? 1252 01:08:29.079 --> 01:08:32.640 Sixteen weeks. So you're looking at ninety six hundred dollars. 1253 01:08:32.760 --> 01:08:35.000 Let's call it ten grand for labor to have people 1254 01:08:35.119 --> 01:08:38.199 show up and do this. And if you talk about 1255 01:08:38.279 --> 01:08:41.960 ten grand for labor, so out of your sixty six, 1256 01:08:42.119 --> 01:08:45.399 that's fifty six right there, you're down to fifty six thousand. 1257 01:08:45.840 --> 01:08:49.439 And if you look at equipment depreciation on what you 1258 01:08:49.640 --> 01:08:55.199 gave me, you're probably down to sixty. And if you 1259 01:08:55.319 --> 01:09:01.039 look at the cost of fuel, you're probably clearing somewhere 1260 01:09:01.119 --> 01:09:06.159 around what forty eight grand. I mean is about forty 1261 01:09:06.199 --> 01:09:11.720 eight Yeah, that sounds now now, do you divide that? 1262 01:09:12.119 --> 01:09:14.159 Do you do you divide that with your brothers? 1263 01:09:16.880 --> 01:09:17.319 So we have. 1264 01:09:19.359 --> 01:09:22.000 Yeah, we pretty much of divide and I don't pay 1265 01:09:22.079 --> 01:09:25.199 them by all. We pretty much just split the car. 1266 01:09:25.279 --> 01:09:27.640 Yeah, you all split the profit. So how much do 1267 01:09:27.680 --> 01:09:29.319 you split at the end of the season. 1268 01:09:32.640 --> 01:09:35.000 It's about a but. 1269 01:09:37.119 --> 01:09:37.680 I take. 1270 01:09:39.520 --> 01:09:40.319 They take footy. 1271 01:09:41.000 --> 01:09:43.199 I mean, but how much do you have in the 1272 01:09:43.319 --> 01:09:44.520 pot that you split up? 1273 01:09:46.279 --> 01:09:46.439 Oh? 1274 01:09:47.960 --> 01:09:49.800 About forty thousand. 1275 01:09:49.800 --> 01:09:52.439 Exactly what I thought. Hold on, Jarris will come back 1276 01:09:52.479 --> 01:09:56.359 to Tyler and Moore on the Troubleshooter Show. Go with 1277 01:09:56.479 --> 01:09:59.880 a sure thing Denver's Best roofer Excel Roofing dot com. 1278 01:10:00.119 --> 01:10:05.840 You don't pay a cent until you're content, leave time for. 1279 01:10:05.840 --> 01:10:09.000 An insurance check up free, no obligation. In comparison, call 1280 01:10:09.159 --> 01:10:12.399 Compass Insurance paying too much your coverage at dozens of 1281 01:10:12.479 --> 01:10:15.399 insurance companies find out now three all three seven seven 1282 01:10:15.439 --> 01:10:18.199 to one help. You'll think you're his only customer when 1283 01:10:18.239 --> 01:10:20.479 you choose Frank durand the Real estate Man dot com 1284 01:10:20.760 --> 01:10:23.840 to list your home with Remax Alliance three all three 1285 01:10:23.960 --> 01:10:25.600 nine two zero sixteen twenty two. 1286 01:10:26.520 --> 01:10:31.520 Yeah, rit. 1287 01:10:33.479 --> 01:10:36.479 Need so you don't have. 1288 01:10:38.720 --> 01:10:41.239 Come run anxious as fast as we can. 1289 01:10:42.039 --> 01:10:43.720 Shooter's gonna help. 1290 01:10:44.000 --> 01:10:50.840 Come man, this is the Troubleshooter Show. No Tom Martino, he. 1291 01:10:51.039 --> 01:10:53.680 Tom Martino here, Welcome to the show. Gosh, do we 1292 01:10:53.760 --> 01:10:56.239 have a lot to talk about today, Believe it or not. 1293 01:10:56.439 --> 01:10:59.159 We have so many different topics, but I always go 1294 01:10:59.239 --> 01:11:02.399 to the phones first. They take my priority. And we 1295 01:11:02.520 --> 01:11:06.159 have Brad O'Brien on who is a real estate attorney, 1296 01:11:06.239 --> 01:11:08.359 real estate law. He does all kinds of stuff and 1297 01:11:08.439 --> 01:11:12.000 I always recommend people, you know, Brent Evanston with ideal 1298 01:11:12.039 --> 01:11:16.279 home loans with a state Brent. Very few people, very 1299 01:11:16.359 --> 01:11:20.239 few people have docs looked over by attorneys anymore. Back East, 1300 01:11:20.279 --> 01:11:23.119 it's a tradition. Everyone has an attorney review docs. They 1301 01:11:23.159 --> 01:11:28.680 don't they don't miss. Yeah. So anyway, uh what about that? 1302 01:11:28.840 --> 01:11:31.079 I mean, why is that? Do you think? Why? 1303 01:11:31.680 --> 01:11:31.920 Well? 1304 01:11:32.359 --> 01:11:35.840 So, I think because the real estate contract here is standardized, 1305 01:11:35.880 --> 01:11:37.800 so most yeah, feel like Now, I will tell you 1306 01:11:37.960 --> 01:11:40.840 that when you get into a contract with a new 1307 01:11:40.920 --> 01:11:44.600 home builder, there is a labyrinth of stuff. 1308 01:11:44.800 --> 01:11:45.800 In every one of those things. 1309 01:11:45.640 --> 01:11:46.199 You should look out. 1310 01:11:46.319 --> 01:11:48.760 You should you should definitely have someone take a look 1311 01:11:48.800 --> 01:11:51.600 at that and go through it, because they you know, 1312 01:11:52.000 --> 01:11:54.159 it's kind of anything goes, it's whatever they throw in, 1313 01:11:54.479 --> 01:11:55.000 you're stuck with. 1314 01:11:55.199 --> 01:11:57.920 So anyway, Brad O'Brien, we lean on a lot for 1315 01:11:58.039 --> 01:12:00.199 information and this had to do with a lead. And 1316 01:12:01.199 --> 01:12:03.960 what happened was Sally called and said that our friend 1317 01:12:04.079 --> 01:12:06.680 was being charged a two hundred dollars reletting fee at 1318 01:12:06.680 --> 01:12:09.199 the end of the lease. That's not because she's re upping. 1319 01:12:09.560 --> 01:12:13.199 It's not a renewal fee, but she's leaving. It's the 1320 01:12:13.359 --> 01:12:16.039 end of the lease. She fulfilled all her obligations and 1321 01:12:16.199 --> 01:12:18.439 the landlord comes back and says, oh, by the way, 1322 01:12:19.840 --> 01:12:21.680 you have to pay two hundred dollars And she said 1323 01:12:21.720 --> 01:12:25.239 for what for for us to relet it to somebody else? 1324 01:12:25.319 --> 01:12:29.039 And she said, my obligation is over now. Brad O'Brien 1325 01:12:29.159 --> 01:12:32.600 indicated that even if it's in the lease, there's some 1326 01:12:32.760 --> 01:12:36.359 new laws that may prohibit certain fees, and we asked 1327 01:12:36.359 --> 01:12:37.319 them to look at the lease. 1328 01:12:37.439 --> 01:12:38.439 Brad, what did you find? 1329 01:12:39.840 --> 01:12:41.920 Well, after that call, I did receive the lease and 1330 01:12:42.000 --> 01:12:44.520 looked at it. I did find that statute also and 1331 01:12:45.039 --> 01:12:49.239 this particular two hundred dollars charge for reletting the reletting 1332 01:12:49.319 --> 01:12:51.399 fee is not prohibited by the statute. 1333 01:12:51.800 --> 01:12:56.279 Oh, why is it not prohibited? Tell me, tell me 1334 01:12:56.399 --> 01:12:59.039 would be prohibited and why it's not prohibited. 1335 01:13:00.079 --> 01:13:02.920 Well, this statute, which changed a year ago today thirty 1336 01:13:03.199 --> 01:13:08.000 CRS thirty eight twelve eight oh one prohibits a provision 1337 01:13:08.079 --> 01:13:12.399 in your written lease for a fee, your charge for 1338 01:13:12.600 --> 01:13:15.720 a tenant's failure to provide notice of non renewal of 1339 01:13:15.840 --> 01:13:21.560 a rental agreement. So it's prohibiting a fee for not 1340 01:13:21.680 --> 01:13:23.960 giving a notice of non renewal. That's not quite what 1341 01:13:24.079 --> 01:13:26.920 this reletting fee is. This reletting fee is not explained, 1342 01:13:26.960 --> 01:13:29.720 but it's not the thing that's prohibited by the statute. 1343 01:13:30.319 --> 01:13:31.000 What is that? 1344 01:13:31.920 --> 01:13:33.960 What is that fee? They just say we're going to 1345 01:13:34.039 --> 01:13:35.560 charge you at the end of the least period. 1346 01:13:35.680 --> 01:13:36.199 That's just it. 1347 01:13:37.119 --> 01:13:38.680 Yeah, it's a reletting fee. 1348 01:13:38.800 --> 01:13:40.720 Whatever that is. It might have to do with cleaning, 1349 01:13:40.840 --> 01:13:43.399 might have to do with their admind charges of attorney. 1350 01:13:43.680 --> 01:13:47.039 But because it's in the lease stated that way, then 1351 01:13:47.199 --> 01:13:48.319 they can charge it. 1352 01:13:49.560 --> 01:13:52.760 Yeah, it's by contract. It's a written contract signed by 1353 01:13:52.800 --> 01:13:56.920 both sides. It's it's enforceable and not prohibited by statute. 1354 01:13:57.399 --> 01:14:00.560 But if it says, if it ever said you did 1355 01:14:00.640 --> 01:14:02.359 not notify us, you're not renewing. 1356 01:14:02.720 --> 01:14:05.720 Therefore there's a penalty that would not be allowed. 1357 01:14:07.039 --> 01:14:07.479 That's right. 1358 01:14:07.800 --> 01:14:09.920 You cannot have, in the least something that says you 1359 01:14:09.960 --> 01:14:12.399 don't give notice of non renewal. Here's a fee that's 1360 01:14:12.439 --> 01:14:13.199 not allowed any longer. 1361 01:14:13.399 --> 01:14:16.079 What ams if they what ms? If they got this money? 1362 01:14:16.159 --> 01:14:18.840 I mean what teether in the law does? Does Polish 1363 01:14:18.880 --> 01:14:20.800 come out and kick the people in their ass or 1364 01:14:20.840 --> 01:14:21.439 what happens? 1365 01:14:21.640 --> 01:14:22.760 What do you mean by that mark? 1366 01:14:22.840 --> 01:14:23.279 What do you mean? 1367 01:14:23.439 --> 01:14:23.560 Well? 1368 01:14:23.640 --> 01:14:26.479 I mean if a landlord does charge a fee for 1369 01:14:26.640 --> 01:14:30.439 something they're not allowed to do, it's the ramification. 1370 01:14:32.000 --> 01:14:34.399 Oh the statue. 1371 01:14:34.680 --> 01:14:36.840 If they had a fee that was not allowed by statute, 1372 01:14:37.239 --> 01:14:40.800 the tenant consume the landlord and get them. 1373 01:14:41.399 --> 01:14:44.319 In some cases, Tom and Tom and Brad, That's exactly 1374 01:14:44.359 --> 01:14:46.680 where I was going. We're talking about two hundred bucks. 1375 01:14:46.960 --> 01:14:49.119 So if they take two hundred out of a deposit 1376 01:14:49.279 --> 01:14:52.199 because they already have the money, Now this person's going 1377 01:14:52.279 --> 01:14:53.960 to have to go out hire an attorney. 1378 01:14:54.199 --> 01:14:57.319 No small how about small claims cars? How about small 1379 01:14:57.399 --> 01:14:58.000 claims court? 1380 01:14:58.880 --> 01:14:59.079 Yeah? 1381 01:14:59.199 --> 01:15:04.079 Maybe so I most people won't do it, though. Yeah, 1382 01:15:05.239 --> 01:15:07.800 I'm telling you though, Brad, thank you for looking at that. 1383 01:15:08.520 --> 01:15:11.239 That's too bad. We thought we had him, Sally, But 1384 01:15:11.359 --> 01:15:14.600 Brad is saying that he believes that this fee is 1385 01:15:15.119 --> 01:15:20.119 allowed because it's a contractual fee simply called a reletting fee. 1386 01:15:20.680 --> 01:15:23.960 And he said the only one that would have been 1387 01:15:24.039 --> 01:15:27.640 prohibited is some kind of penalty for not renewing fee, 1388 01:15:28.760 --> 01:15:33.600 you know, for not notifying of renewal. So you got 1389 01:15:33.680 --> 01:15:35.479 to tell your friends, she's out of luck there. But 1390 01:15:35.600 --> 01:15:38.399 you can still contest other charges they took out of 1391 01:15:38.520 --> 01:15:41.000 the security deposit if you disagree. 1392 01:15:41.359 --> 01:15:43.399 What are some of those, by the way, you disagree with? 1393 01:15:47.680 --> 01:15:51.800 Well, some of them were some cleaning charges made and 1394 01:15:52.079 --> 01:15:57.159 also fees for using the fireplace, which I didn't use. 1395 01:15:57.760 --> 01:16:01.079 I feel pretty confident on fighting those, but this one 1396 01:16:01.119 --> 01:16:03.439 I just didn't really feel like I understood the law. Yeah, 1397 01:16:03.520 --> 01:16:06.560 I really appreciate this advice. I certainly wouldn't sign another 1398 01:16:06.680 --> 01:16:09.399 lease with that charge in it now. And so I've 1399 01:16:09.479 --> 01:16:12.760 learned a lot. So this is worth a call and 1400 01:16:12.800 --> 01:16:13.640 the education on this. 1401 01:16:13.840 --> 01:16:15.520 Thank you, Thank you very much. 1402 01:16:15.800 --> 01:16:18.520 Okay, Mark, did did Jaris have to leave on this 1403 01:16:18.960 --> 01:16:19.439 call for that? 1404 01:16:19.680 --> 01:16:19.920 He did? 1405 01:16:20.000 --> 01:16:21.920 We had a nice little talk over the break. So 1406 01:16:22.000 --> 01:16:24.319 here's what it comes down to. Okay, let's talk to Tyler. 1407 01:16:24.439 --> 01:16:29.279 Tyler is twenty two years old. This thing way too undervalued. 1408 01:16:29.600 --> 01:16:32.479 I mean, this thing's probably worth I'd say maybe forty 1409 01:16:32.600 --> 01:16:35.279 or fifty to the right person. So I wonder if 1410 01:16:35.279 --> 01:16:41.720 anybody listening right now is interested in buying his basic business. 1411 01:16:41.840 --> 01:16:44.279 Well let me explain this though, let me let me 1412 01:16:44.359 --> 01:16:48.279 explain this, but he what he's really talking about is 1413 01:16:48.359 --> 01:16:52.720 a profit, a profit of about forty thousand. No, no, 1414 01:16:52.920 --> 01:16:53.560 actually it's not. 1415 01:16:54.079 --> 01:16:55.239 Let me say something real quick. 1416 01:16:55.279 --> 01:16:59.520 When I sold my internet company years ago, Mountain Peak Internet, 1417 01:17:00.079 --> 01:17:02.880 what I did is I went to another company, East Central. 1418 01:17:03.279 --> 01:17:06.079 In every client that I had, they paid me X 1419 01:17:06.159 --> 01:17:08.960 amount of dollars for and that's how we did the deal. 1420 01:17:09.039 --> 01:17:09.760 Way back to mark. 1421 01:17:09.800 --> 01:17:12.600 I didn't sell them equipment. I didn't sell him anything. 1422 01:17:12.800 --> 01:17:16.239 But may I finish on this doing we're talking. He 1423 01:17:16.560 --> 01:17:20.239 is saying his numbers aren't making sense because he is 1424 01:17:20.439 --> 01:17:25.640 saying he makes about sixty thousand gross on this. Okay, 1425 01:17:26.079 --> 01:17:29.680 Then he said he has about forty to split. Where 1426 01:17:29.840 --> 01:17:33.520 is that twenty thousand going? I was figuring labor and everything. 1427 01:17:33.760 --> 01:17:36.960 When I said forty He said that doesn't include labor. 1428 01:17:37.239 --> 01:17:40.319 He doesn't pay labor, and then he splits up forty grand. 1429 01:17:40.680 --> 01:17:43.720 His numbers are not making sense. There is no way 1430 01:17:44.039 --> 01:17:47.720 he is grossing sixty or sixty six thousand on this thing. 1431 01:17:48.279 --> 01:17:51.399 He said sixty six customers. I'm sorry, and I think 1432 01:17:51.439 --> 01:17:53.279 he said sixty grand, right. 1433 01:17:53.840 --> 01:17:56.760 Yeah, yes, And here's what I'm saying, though I don't 1434 01:17:56.800 --> 01:17:59.319 even think you're looking at it correctly from this stance. 1435 01:17:59.399 --> 01:18:02.119 The person that would buy it is somebody like I'm 1436 01:18:02.199 --> 01:18:05.399 just using this as an example mister green Jeans, who 1437 01:18:05.520 --> 01:18:08.319 can come in already has a business doing the same thing, 1438 01:18:08.680 --> 01:18:12.239 picks up sixty new customers without having to advertise, and 1439 01:18:12.319 --> 01:18:13.399 gives a guy some money. 1440 01:18:14.000 --> 01:18:16.039 Now, no, that's right, you could do it that way. 1441 01:18:16.079 --> 01:18:16.439 That's right. 1442 01:18:16.720 --> 01:18:17.119 You buy the. 1443 01:18:17.159 --> 01:18:19.880 Sixty custing it to another twenty two year old. I'm saying, 1444 01:18:20.199 --> 01:18:22.840 sell what you have, which is a list of people 1445 01:18:22.920 --> 01:18:26.920 that pay you every month. That's right, that's right, without 1446 01:18:27.039 --> 01:18:30.000 regard to the gross and the net. Because it's not working, 1447 01:18:30.159 --> 01:18:34.279 they can do their own. Another landscaping company can say 1448 01:18:34.600 --> 01:18:38.199 this is what sixty customers mean for me, This is 1449 01:18:38.279 --> 01:18:42.159 what they mean to me, because his numbers aren't making sense. 1450 01:18:43.359 --> 01:18:47.279 So Tyler, you know you should get way more than 1451 01:18:47.359 --> 01:18:50.359 sixty five hundred for sixty six customers. They're giving you, 1452 01:18:50.479 --> 01:18:52.800 basically what one hundred dollars a customer. 1453 01:18:54.239 --> 01:18:54.439 Action? 1454 01:18:54.640 --> 01:18:58.520 What we I mean one hundred dollars a customer? Come on, man, 1455 01:18:58.640 --> 01:19:00.000 that's way under value. 1456 01:19:02.640 --> 01:19:05.399 Yeah, because we did a math that it's pretty much 1457 01:19:05.479 --> 01:19:07.600 two weeks worth of mowing. 1458 01:19:08.079 --> 01:19:11.600 And not only that, but listen to this, Mark. Not 1459 01:19:11.840 --> 01:19:15.439 only are they offering him one hundred dollars per customer, 1460 01:19:15.800 --> 01:19:19.000 they're offering him they want to do it in installments. 1461 01:19:20.920 --> 01:19:25.600 Come on, there's no way he should do that. So 1462 01:19:26.000 --> 01:19:28.279 how much do you think, Mark, how much do you 1463 01:19:28.479 --> 01:19:30.880 think you would pay per I mean, you know what, 1464 01:19:31.039 --> 01:19:33.319 let's call a landscape or let's call l em or 1465 01:19:33.399 --> 01:19:36.840 let's call mister green jeans, let's call them not that 1466 01:19:37.159 --> 01:19:40.600 green jeans. And they may not listen, they may not 1467 01:19:40.800 --> 01:19:44.279 want to buy this company, but what would they pay 1468 01:19:44.359 --> 01:19:45.079 per customer? 1469 01:19:45.239 --> 01:19:45.720 Technically? 1470 01:19:45.880 --> 01:19:46.720 What do they think? 1471 01:19:47.319 --> 01:19:48.239 Let's get an idea? 1472 01:19:48.359 --> 01:19:51.079 Okay? Three O three seven one three talks seven one 1473 01:19:51.119 --> 01:19:53.560 three eight two five five. We got someone who needs 1474 01:19:53.600 --> 01:19:55.840 insurance advice coming up and someone with a help with 1475 01:19:55.920 --> 01:19:58.199 an auto dealership. Plus we have ideal home loans in 1476 01:19:58.239 --> 01:20:00.640 the house. Three O three seven one three eight two 1477 01:20:00.720 --> 01:20:02.880 five five. Don't forget water pros can do a water 1478 01:20:02.960 --> 01:20:06.439 system drinking water, all the drinking water you want without poofas, 1479 01:20:06.560 --> 01:20:10.720 which are forever chemicals, without any plastics, without any problems, 1480 01:20:11.159 --> 01:20:15.199 pure drinking water for fourteen hundred dollars and it's the 1481 01:20:15.319 --> 01:20:16.479 best price you'll ever find. 1482 01:20:16.560 --> 01:20:17.680 Waterpros dot net. 1483 01:20:23.239 --> 01:20:26.520 Go with a sure thing Denver's best roofer Excel Roofing 1484 01:20:26.600 --> 01:20:29.239 dot com. You don't pay a cent until you're content. 1485 01:20:32.640 --> 01:20:35.800 Time for an insurance check up free, no obligation. In comparison, 1486 01:20:35.960 --> 01:20:39.479 call Compass insurance paying too much your coverage at dozens 1487 01:20:39.520 --> 01:20:42.239 of insurance companies find out now three all three seven 1488 01:20:42.359 --> 01:20:45.159 seven to one help. You'll think you're his only customer 1489 01:20:45.199 --> 01:20:47.399 when you choose Frank durand the real estate Man dot 1490 01:20:47.479 --> 01:20:50.800 com to list your home with Remax Alliance three all 1491 01:20:50.840 --> 01:20:52.760 three nine two zero sixteen twenty two. 1492 01:20:55.520 --> 01:21:00.560 So, man, we're skipping around so many topics. 1493 01:21:00.640 --> 01:21:03.079 So I got a list. 1494 01:21:03.159 --> 01:21:05.560 So we had someone out there that had an insurance question. 1495 01:21:05.800 --> 01:21:08.720 Tom Our phones rebooted and I did not have his 1496 01:21:08.920 --> 01:21:11.239 phone number. So if you're listening, call back in. 1497 01:21:12.039 --> 01:21:13.560 Is that Tim? No? 1498 01:21:13.800 --> 01:21:17.079 Tim, I believe Zara it was the other one, all right, 1499 01:21:17.279 --> 01:21:20.680 So Tim, what is uh? What do you need for 1500 01:21:20.840 --> 01:21:21.720 insurance advice. 1501 01:21:21.880 --> 01:21:25.479 Tim Well, I have American Family Insurance and they just 1502 01:21:25.600 --> 01:21:26.680 keep going up and up. 1503 01:21:26.960 --> 01:21:30.119 They have my home, my automobiles, and they've had it. 1504 01:21:30.159 --> 01:21:31.199 For like thirty years. 1505 01:21:31.279 --> 01:21:34.960 But I'm telling it. We have that free insurance checkup 1506 01:21:35.000 --> 01:21:38.159 from Compass Insurance Group. And again I want to say 1507 01:21:38.239 --> 01:21:41.560 something though, all insurance is going up. How many homes 1508 01:21:41.600 --> 01:21:41.840 do you have? 1509 01:21:42.159 --> 01:21:42.279 Right? 1510 01:21:43.560 --> 01:21:44.119 Just the one? 1511 01:21:44.720 --> 01:21:45.680 And how many cars? 1512 01:21:47.600 --> 01:21:48.560 Three vehicles? 1513 01:21:49.199 --> 01:21:50.840 And do you have any teenage drivers? 1514 01:21:52.359 --> 01:21:52.520 Oh? 1515 01:21:52.640 --> 01:21:55.079 No, just so he had three? 1516 01:21:56.119 --> 01:21:58.319 Three cars, you and your wife and a home. What's 1517 01:21:58.319 --> 01:21:59.439 your homeworth about. 1518 01:22:02.000 --> 01:22:02.640 Two fifty? 1519 01:22:04.359 --> 01:22:06.199 What are you paying a year now on home and 1520 01:22:06.239 --> 01:22:07.199 auto altogether? 1521 01:22:07.359 --> 01:22:08.079 One lump? Well? 1522 01:22:08.119 --> 01:22:08.720 How much you pain? 1523 01:22:10.079 --> 01:22:12.640 Well, my homeowners was three eighty a month. 1524 01:22:14.079 --> 01:22:16.079 M hm wow wow? 1525 01:22:17.359 --> 01:22:20.720 And and what do you think of progressive? 1526 01:22:21.560 --> 01:22:25.760 Okay, let's talk to Brian Burns's Compass Insurance Group. Brian, Brian, 1527 01:22:26.000 --> 01:22:28.399 insurance is going up. I mean I want to ask 1528 01:22:28.479 --> 01:22:31.920 you something on and off topic here, not off topic. 1529 01:22:32.000 --> 01:22:34.359 It's on the topic, but not on his particular question. 1530 01:22:34.479 --> 01:22:37.079 But I want you to answer his question on the 1531 01:22:37.239 --> 01:22:40.159 insurance checkups you're doing. Where you look at the DEXs page, 1532 01:22:40.479 --> 01:22:43.880 the declarations page of people. It used to be about 1533 01:22:43.920 --> 01:22:46.439 eighty five percent at the time you can find better coverage, 1534 01:22:46.560 --> 01:22:50.079 less money or better coverage or whatever, you can improve 1535 01:22:50.159 --> 01:22:52.960 them about eighty five percent. Has that stayed about the 1536 01:22:53.000 --> 01:22:56.039 same or are you finding that now? It's even you 1537 01:22:56.159 --> 01:22:58.760 know that the whole industry is less competitive. 1538 01:22:59.439 --> 01:23:02.640 Yeah, would say it's less than that now, only from 1539 01:23:02.720 --> 01:23:05.880 the standpoint I would say that that whenever someone's been 1540 01:23:05.960 --> 01:23:08.079 with a carrier for a while, like this gentleman, I 1541 01:23:08.119 --> 01:23:10.119 don't know what his deductible is. He might have a 1542 01:23:10.199 --> 01:23:14.439 thousand deductible new business. Now, it's really hard to find 1543 01:23:14.479 --> 01:23:17.039 a carrier that will offer a deductible that low. So 1544 01:23:17.680 --> 01:23:22.079 when we're talking to people, usually their primary purpose is, man, 1545 01:23:22.199 --> 01:23:25.520 my rates doubled. Can you look at this? And you know, 1546 01:23:25.560 --> 01:23:27.319 a lot of times we can find a better option 1547 01:23:27.720 --> 01:23:30.399 as far as price is concerned, but it also might 1548 01:23:30.479 --> 01:23:34.079 require a higher deductible because companies, I only have one 1549 01:23:34.159 --> 01:23:36.680 company that leave and offer a thousand deductible now. I 1550 01:23:36.800 --> 01:23:39.880 used to have ten that would do that. Now it's 1551 01:23:40.000 --> 01:23:43.159 down to one. So it's just, you know, you just 1552 01:23:43.239 --> 01:23:46.119 have to explain it to them. And some people want 1553 01:23:46.199 --> 01:23:48.199 to take on that additional risk and save the money, 1554 01:23:48.279 --> 01:23:49.159 and some don't. 1555 01:23:49.560 --> 01:23:53.119 Now what you should not be asking, Tim, Although you 1556 01:23:53.279 --> 01:23:55.760 ask what do you think about this company or that company? 1557 01:23:55.840 --> 01:23:56.800 Or this company or that company? 1558 01:23:56.840 --> 01:24:00.600 What you should do is get a quote with an 1559 01:24:00.720 --> 01:24:03.239 array of companies and then look at the positives and 1560 01:24:03.319 --> 01:24:06.600 negatives for each one. But to your question about Progressive, 1561 01:24:06.880 --> 01:24:08.560 they're a good company, right, Brian. 1562 01:24:09.000 --> 01:24:11.800 Yeah, No, I like Progressive Progressive. I just got a 1563 01:24:13.039 --> 01:24:17.439 memo from them that they're pausing writing homeowners insurance in 1564 01:24:17.479 --> 01:24:23.279 the state of Colorado and November goods, so I believe 1565 01:24:23.359 --> 01:24:27.600 it starts August seventeenth, that they won't even take new business. 1566 01:24:28.640 --> 01:24:30.239 When they do, they're going to require it. 1567 01:24:30.960 --> 01:24:33.079 I'm telling you, man, we are at we are at 1568 01:24:33.119 --> 01:24:36.199 a precipice right now. I believe that we're going to 1569 01:24:36.239 --> 01:24:38.920 have an insurance crisis. That's what I believe. 1570 01:24:40.159 --> 01:24:40.680 I really know. 1571 01:24:42.079 --> 01:24:44.399 I mean, yeah, I was just talking to Mark, and 1572 01:24:44.960 --> 01:24:48.279 I'm hoping that we'll see this market turnaround a bit. 1573 01:24:48.359 --> 01:24:50.560 But the fact that we have what three fires going 1574 01:24:50.640 --> 01:24:53.479 right now isn't going to really, you know, help the situation. 1575 01:24:55.399 --> 01:24:58.359 So Tyler, not Tyler, I'm sorry, Tim. 1576 01:24:58.600 --> 01:25:01.720 On your insurance, you're paying three hundred something a month 1577 01:25:01.800 --> 01:25:04.640 for homeowners so you're paying nearly four grand there. 1578 01:25:04.960 --> 01:25:06.399 What are you paying on cars. 1579 01:25:08.840 --> 01:25:12.600 To ensure the three vehicles? It's around the same three 1580 01:25:12.760 --> 01:25:13.640 sixty a month. 1581 01:25:14.600 --> 01:25:17.359 So if you're if you're go ahead, I'd. 1582 01:25:17.199 --> 01:25:18.720 Be happy to look at it. I'm in There be 1583 01:25:18.800 --> 01:25:20.680 some additional questions I would have for you, Tim, but 1584 01:25:20.720 --> 01:25:22.439 if you want to get in my number, I'll do it. 1585 01:25:22.479 --> 01:25:24.680 I'll try to do it while your show's going and we'll. 1586 01:25:24.840 --> 01:25:28.239 Yeah, let's do an insurance check up for the hell 1587 01:25:28.279 --> 01:25:32.479 of it right now, just to see what that looks like, 1588 01:25:32.640 --> 01:25:35.279 because I mean, if I'm if I'm doing this right, 1589 01:25:35.680 --> 01:25:39.840 you're paying eight thousand, six hundred, around eighty six hundred 1590 01:25:39.880 --> 01:25:45.239 a year in insurance. Yes, what are your deductibles? 1591 01:25:46.600 --> 01:25:49.239 And I had the lower deductibles because I've been with 1592 01:25:49.439 --> 01:25:51.319 them for but this year. 1593 01:25:51.840 --> 01:25:54.920 They sent me a notice that even on my. 1594 01:25:55.079 --> 01:25:59.880 Home it's a thousand deductible. But they're doing all kinds 1595 01:25:59.880 --> 01:26:01.039 of things with the roof. 1596 01:26:01.720 --> 01:26:04.279 Yeah you need Okay, here's what I want you to 1597 01:26:04.359 --> 01:26:07.359 do right now. Hold on, I want you to call 1598 01:26:07.640 --> 01:26:09.960 bron We're gonna give you some numbers off of Brian, 1599 01:26:10.079 --> 01:26:13.159 your number off the air. I would like to take 1600 01:26:13.279 --> 01:26:17.319 your specific situation what they're turning you into because they're 1601 01:26:17.800 --> 01:26:19.880 trust me. If they're telling you they're going to do 1602 01:26:19.920 --> 01:26:22.319 stuff on the roof, you're looking at actual cash value. 1603 01:26:22.439 --> 01:26:27.319 You're looking at a whole new ballgame plus plus increase premiums. 1604 01:26:27.479 --> 01:26:31.600 Right right, Okay, let's see what they can do. I 1605 01:26:31.720 --> 01:26:34.359 want to see what they were proposing and then what 1606 01:26:35.439 --> 01:26:39.479 Compass can find. Again, there's no guarantee Compass can improve it, 1607 01:26:39.800 --> 01:26:43.560 but one thing is for sure. With free comparisons, you 1608 01:26:43.800 --> 01:26:47.399 can't lie. I mean what, I'm not suggesting they would anyway, 1609 01:26:47.479 --> 01:26:49.640 But if they say they can beat it, they got 1610 01:26:49.720 --> 01:26:51.479 to be able to beat it, right. You can't just 1611 01:26:51.560 --> 01:26:53.039 say I can beat it if you can't beat it. 1612 01:26:53.119 --> 01:26:55.720 That's why I'm all for these free second opinions and 1613 01:26:55.840 --> 01:26:59.279 free looks and the Insurance Help Center for looking and 1614 01:26:59.439 --> 01:27:03.319 comparing insurance. So if you're concerned, it's a phone call, 1615 01:27:03.479 --> 01:27:05.680 maybe they'll take a half hour to get back to 1616 01:27:05.720 --> 01:27:10.319 you after they do the figuring. But isn't it worth it? 1617 01:27:10.479 --> 01:27:12.960 Three oh three nine nine six nine thousand more coming 1618 01:27:13.039 --> 01:27:21.399 right up? Go with a sure thing Denver's Best roofer 1619 01:27:21.560 --> 01:27:24.479 Excel roofing dot com. You don't pay a cent until 1620 01:27:24.479 --> 01:27:30.359 you're content. Time for an insurance check up free, no 1621 01:27:30.479 --> 01:27:34.319 obligation in comparison. Call Compass Insurance paying too much your 1622 01:27:34.399 --> 01:27:37.319 coverage at dozens of insurance companies find out now three 1623 01:27:37.399 --> 01:27:38.680 oh three seven to seven to one. 1624 01:27:38.800 --> 01:27:39.039 Help. 1625 01:27:39.239 --> 01:27:41.880 You'll think you're his only customer when you choose Frank 1626 01:27:41.960 --> 01:27:44.359 durand the real estate man dot com to list your 1627 01:27:44.439 --> 01:27:47.520 home with Remax Alliance three oh three nine two zero 1628 01:27:47.680 --> 01:27:48.640 sixteen twenty two. 1629 01:27:52.000 --> 01:27:54.000 Hi Tom Martino, you're troubleshooter. 1630 01:27:54.119 --> 01:27:57.680 Three oh three seven one three talk three oh three 1631 01:27:57.880 --> 01:27:59.920 seven one three eight two five five. 1632 01:28:00.039 --> 01:28:01.720 I'm all right. 1633 01:28:01.920 --> 01:28:04.479 Now we are waiting for a landscaper to talk to 1634 01:28:04.600 --> 01:28:08.800 Tyler on selling those clients. We are waiting on Compass 1635 01:28:08.840 --> 01:28:12.000 Insurance Group to give Tim a comparison for his homeowners. 1636 01:28:12.319 --> 01:28:15.960 And now we're talking to Jeff. Jeff, welcome to the show. 1637 01:28:16.439 --> 01:28:19.520 What's going on with you on a very busy troubleshooter day? 1638 01:28:19.520 --> 01:28:19.960 What's going on? 1639 01:28:20.119 --> 01:28:20.279 Sir? 1640 01:28:22.119 --> 01:28:22.319 Hi? 1641 01:28:22.439 --> 01:28:25.159 Thanks to taking my call? Tom Listen. I got my 1642 01:28:25.279 --> 01:28:30.479 wife inherited a brokerage account from her mom here in January. 1643 01:28:31.520 --> 01:28:33.399 Now, what do you mean by a brokerage account? 1644 01:28:33.439 --> 01:28:36.479 Do you mean at an investment advisory firm or at 1645 01:28:36.560 --> 01:28:39.119 a place like a Schwab or Fidelity. 1646 01:28:41.760 --> 01:28:42.600 No, it's like it. 1647 01:28:44.159 --> 01:28:44.439 There. 1648 01:28:45.039 --> 01:28:46.439 I don't know if you've heard of them or not, 1649 01:28:46.760 --> 01:28:50.159 but they're an investment company. 1650 01:28:50.800 --> 01:28:52.600 Okay, but I need this is what this is what 1651 01:28:52.760 --> 01:28:55.800 he needs to know and then I'll answer everything you want. 1652 01:28:55.880 --> 01:28:58.920 But when you say they are with she she had 1653 01:28:59.079 --> 01:29:04.439 inherited a brokerage account? Is is this a brokerage account 1654 01:29:04.560 --> 01:29:07.039 that the previous who she inherited. 1655 01:29:06.640 --> 01:29:09.119 From her mother? 1656 01:29:10.159 --> 01:29:14.199 Did her mom have this money under advisement? 1657 01:29:14.560 --> 01:29:18.359 In other words, was it with a financial advisor who 1658 01:29:18.520 --> 01:29:21.760 had it with a brokerage or was your was her 1659 01:29:21.880 --> 01:29:23.439 mom investing directly? 1660 01:29:26.119 --> 01:29:29.359 Now it was with an advisor that was advising her. 1661 01:29:29.399 --> 01:29:33.960 On Okay, got it. So the advisor was advising her 1662 01:29:34.159 --> 01:29:37.479 and it was and the custodian where the money was 1663 01:29:37.560 --> 01:29:44.359 actually sitting was what what was that called Baared Bared? Yes, 1664 01:29:44.439 --> 01:29:48.199 I've heard of them. Okay, So what is your question? 1665 01:29:50.279 --> 01:29:53.840 Well, when this, uh my wife has a sister and 1666 01:29:53.920 --> 01:29:55.720 they divided this account. 1667 01:29:56.079 --> 01:29:58.479 How much was in the how what was the value 1668 01:29:58.640 --> 01:29:59.319 of the account? 1669 01:30:02.319 --> 01:30:04.199 Well, it had a bunch of accounts in it, but 1670 01:30:04.399 --> 01:30:08.520 totally it was worth about two point five million okay, 1671 01:30:08.720 --> 01:30:09.399 And what does. 1672 01:30:09.319 --> 01:30:11.079 Your wife want to do with her share? 1673 01:30:13.760 --> 01:30:16.039 Well, she wants to get rid of the whole thing. 1674 01:30:16.359 --> 01:30:19.039 But well, no, I know she wants to get rid 1675 01:30:19.039 --> 01:30:20.720 of it. She wants to cash out. 1676 01:30:20.920 --> 01:30:24.520 Is that right, Yeah, she wants to cash out. 1677 01:30:25.079 --> 01:30:25.319 Okay. 1678 01:30:25.399 --> 01:30:26.560 Let me explain something to you. 1679 01:30:26.680 --> 01:30:31.239 Okay, when she cashes out of this okay, So let's 1680 01:30:31.279 --> 01:30:34.199 say it's worth whatever it was worth on the day 1681 01:30:34.399 --> 01:30:42.000 of death will be the basis of that account. If 1682 01:30:42.079 --> 01:30:46.119 she cashes out for more, there will be taxes paid 1683 01:30:46.720 --> 01:30:50.399 on the amount above that, and if she cashes out 1684 01:30:50.520 --> 01:30:54.600 for less, there may be less than that. But what 1685 01:30:54.840 --> 01:30:57.960 are you guys going to do with the money? There's 1686 01:30:58.000 --> 01:31:01.640 a reason I'm asking this. Let's just say she gets 1687 01:31:01.720 --> 01:31:05.039 one point two five zero and the sister gets one 1688 01:31:05.119 --> 01:31:07.920 point two five zero. What are you guys doing with 1689 01:31:08.039 --> 01:31:08.399 the money? 1690 01:31:10.640 --> 01:31:14.279 Well, we want to invest it in our joint accounts 1691 01:31:14.359 --> 01:31:15.520 that we have already. 1692 01:31:16.079 --> 01:31:20.239 Okay, got it, got it? Now listen, go ahead. 1693 01:31:21.359 --> 01:31:26.079 The problem with this account is the UH financial advisor 1694 01:31:26.239 --> 01:31:29.640 talked her into reducing the number of accounts that were 1695 01:31:29.720 --> 01:31:33.399 in this and she had opened up some uh you know, 1696 01:31:33.560 --> 01:31:37.439 the the managers of these different accounts and so this 1697 01:31:37.640 --> 01:31:41.960 money is now in three different accounts and they're active. 1698 01:31:43.439 --> 01:31:46.600 But are they all with Are they all with Baird? 1699 01:31:48.640 --> 01:31:49.560 They are with Baird? 1700 01:31:50.680 --> 01:31:53.560 Well there should be. Let me explain something to you. 1701 01:31:54.199 --> 01:31:58.920 This is a heavily, heavily regulated industry. And if you 1702 01:31:59.199 --> 01:32:04.159 said to your advisor you want these liquidated immediately, they 1703 01:32:04.239 --> 01:32:08.319 should be liquidated immediately. So what is the issue. 1704 01:32:10.319 --> 01:32:13.920 The issue is what kind of fees is they're going 1705 01:32:14.000 --> 01:32:18.239 to charge her for liquidating all of these accounts? 1706 01:32:18.640 --> 01:32:22.640 Well, okay, okay, that depends. Now I'm going to explain 1707 01:32:22.680 --> 01:32:26.319 a few things. For example, if there was a Schwab account, 1708 01:32:27.039 --> 01:32:31.520 they would be very little fees based on the final transactions. 1709 01:32:32.199 --> 01:32:34.279 Some accounts have higher fees. 1710 01:32:35.000 --> 01:32:39.640 I'd also be concerned with the financial advisor. Why do 1711 01:32:39.800 --> 01:32:44.920 you think the financial advisor had her? Did she consolidate 1712 01:32:45.000 --> 01:32:47.760 the accounts or divide them? In other words, she used 1713 01:32:47.760 --> 01:32:52.159 to have one account, now she has three. She used 1714 01:32:52.199 --> 01:32:52.399 to have. 1715 01:32:54.640 --> 01:32:57.079 Well, they've got managers in all of these accounts, but 1716 01:32:57.199 --> 01:32:59.920 she I don't know what you mean managers in all 1717 01:33:00.119 --> 01:33:00.840 of those accounts? 1718 01:33:00.920 --> 01:33:02.800 She has one financial advisor? 1719 01:33:02.920 --> 01:33:03.560 Is that correct? 1720 01:33:04.880 --> 01:33:05.039 Right? 1721 01:33:05.720 --> 01:33:05.880 Then? 1722 01:33:05.960 --> 01:33:09.479 What do you mean she has managers for each account? 1723 01:33:09.560 --> 01:33:10.680 What does that mean. 1724 01:33:12.279 --> 01:33:17.439 From a financial advancer, and she has put that into 1725 01:33:17.680 --> 01:33:20.680 say like NEUVENE okay, And there's a couple of other 1726 01:33:20.760 --> 01:33:24.840 accounts that she put this stuff into. And she's telling 1727 01:33:25.319 --> 01:33:29.079 my wife that they have managers in these other accounts, 1728 01:33:29.760 --> 01:33:32.800 like neuven for example, has money managers. 1729 01:33:33.680 --> 01:33:36.880 It's a fun manager. What this advisor? 1730 01:33:37.640 --> 01:33:40.279 I hate to say. It doesn't sound like your money's 1731 01:33:40.319 --> 01:33:43.279 being efficiently managed, and it sounds like she's trying to 1732 01:33:43.319 --> 01:33:46.199 spread the wealth for shares of fees. I hate saying that, 1733 01:33:46.319 --> 01:33:49.439 but it doesn't sound good to me. So if your 1734 01:33:49.640 --> 01:33:53.119 end goal is to liquidate, they should be able to 1735 01:33:53.199 --> 01:33:56.079 give you almost to the penny how much it's going 1736 01:33:56.159 --> 01:33:58.800 to cost you, and it shouldn't cost you too much. 1737 01:33:59.520 --> 01:34:03.560 But I listen, it just so happens. I know a 1738 01:34:03.640 --> 01:34:07.000 hell of a lot about this this area. I would 1739 01:34:07.119 --> 01:34:10.640 if I were you, I would you need someone who 1740 01:34:10.760 --> 01:34:12.479 knows the industry to help you. And I can get 1741 01:34:12.560 --> 01:34:16.079 somebody free of charge, not a dime, no strings attached 1742 01:34:16.560 --> 01:34:21.239 to help you. And what they should do is look 1743 01:34:21.319 --> 01:34:23.880 at exactly what these accounts are. 1744 01:34:24.039 --> 01:34:26.199 Does your wife have statements for these accounts? 1745 01:34:28.520 --> 01:34:32.000 Yeah, she has statements as of I think it was 1746 01:34:32.000 --> 01:34:32.800 the last Warrior. 1747 01:34:33.520 --> 01:34:36.680 Okay. What we should do is have this guy look 1748 01:34:36.720 --> 01:34:41.880 at it free, and I mean there is absolutely zero obligation. 1749 01:34:42.439 --> 01:34:44.960 He would do it as a favor to me. Okay, 1750 01:34:45.560 --> 01:34:48.000 and it's part of my other company. You should look 1751 01:34:48.039 --> 01:34:51.479 at it and then he'll let you know what you 1752 01:34:51.600 --> 01:34:55.000 should be charged or not charged. And there should be 1753 01:34:55.199 --> 01:34:58.560 no question if you guys wanted to take that money 1754 01:34:59.039 --> 01:35:02.199 and liquidated, give half to the sister and half to 1755 01:35:02.680 --> 01:35:05.600 your wife, and then your wife wants to take that 1756 01:35:05.760 --> 01:35:09.319 money and put it with your current advisor, there should 1757 01:35:09.399 --> 01:35:13.600 be no questions that they should do that immediately, and 1758 01:35:13.720 --> 01:35:16.560 they should answer you immediately as how much it will 1759 01:35:16.680 --> 01:35:20.520 cost and why it would cost that much, how much 1760 01:35:20.720 --> 01:35:22.640 was the mom when? How old was the mom when 1761 01:35:22.680 --> 01:35:28.680 she passed away? Do you think I'm just going to 1762 01:35:28.760 --> 01:35:31.560 ask you because we haven't mentioned any last names of 1763 01:35:31.640 --> 01:35:35.880 these advisors or names, do you think that she was 1764 01:35:35.960 --> 01:35:38.199 taking advantage of your mother in law? 1765 01:35:40.600 --> 01:35:44.960 Well, I'm not real sure. I've never encountered this problem. 1766 01:35:45.000 --> 01:35:46.760 They were going to cash it out. Her sister is 1767 01:35:46.840 --> 01:35:51.800 already when they divided, when she divided these accounts, she 1768 01:35:52.920 --> 01:36:01.840 already closed her portion of the account. Your financial advanced 1769 01:36:02.319 --> 01:36:07.079 advisor and ask my wife if she wanted to keep 1770 01:36:07.119 --> 01:36:08.319 her money there with her. 1771 01:36:09.000 --> 01:36:11.319 Yeah, of course she did, because she's making a fee 1772 01:36:11.399 --> 01:36:15.880 on it. Sure and they And by the way, I'm 1773 01:36:15.920 --> 01:36:19.199 not saying it's automatically bad, but you know, I mean, 1774 01:36:19.359 --> 01:36:22.199 your wife should have full reiin on what she wants 1775 01:36:22.279 --> 01:36:22.760 to do with it. 1776 01:36:25.119 --> 01:36:30.479 Sure, well, and she opens up. She instructed my wife 1777 01:36:30.560 --> 01:36:35.920 to take some of these accounts that I mean, some 1778 01:36:36.079 --> 01:36:38.520 of this long i'm's got over one hundred stocks in it. 1779 01:36:39.279 --> 01:36:43.119 Okay, Jeff, you really you really need a professional. Let 1780 01:36:43.159 --> 01:36:45.079 me try to get someone on the line. Okay, can 1781 01:36:45.159 --> 01:36:45.680 you hold on? 1782 01:36:47.159 --> 01:36:47.399 Sure? 1783 01:36:47.880 --> 01:36:49.279 Okay, because here's why. 1784 01:36:49.439 --> 01:36:51.319 And I'm really serious when I say this. 1785 01:36:52.239 --> 01:36:56.560 You need someone who's just gonna give you unpridled, unbiased 1786 01:36:56.600 --> 01:36:59.840 advice and help you get your If your wife wants 1787 01:36:59.880 --> 01:37:02.399 to take that money and put it with your advisor. 1788 01:37:02.000 --> 01:37:03.640 That's absolutely what you should do. 1789 01:37:04.239 --> 01:37:08.640 And here's the unfortunate thing in the advisement industry. Okay, 1790 01:37:09.359 --> 01:37:12.520 there are a bunch of fools out there, and all 1791 01:37:12.600 --> 01:37:15.319 they care about are their fees, and they don't care 1792 01:37:15.399 --> 01:37:19.680 about people. So I have a feeling when I heard 1793 01:37:19.800 --> 01:37:22.039 ninety seven years old and two and a half million 1794 01:37:22.079 --> 01:37:25.199 dollars in all of this. I'm just hoping that they 1795 01:37:25.239 --> 01:37:27.880 didn't get her strapped into anything. But we can take 1796 01:37:27.920 --> 01:37:28.439 a look at. 1797 01:37:28.439 --> 01:37:28.880 That for you. 1798 01:37:29.000 --> 01:37:32.199 So hold on all right, three oh three seven to 1799 01:37:32.239 --> 01:37:34.520 one three talk. I'll get somebody on three oh three 1800 01:37:34.680 --> 01:37:42.800 seven one three eight two five five. Go with a 1801 01:37:42.880 --> 01:37:46.399 sure thing Denver's best roofer Excel Roofing dot com. You 1802 01:37:46.439 --> 01:37:52.199 don't pay a cent until you're content. Time for an 1803 01:37:52.239 --> 01:37:55.840 insurance check up free, no obligation. In comparison, call Compass 1804 01:37:55.920 --> 01:37:59.159 Insurance paying too much your coverage at dozens of insurance 1805 01:37:59.199 --> 01:38:01.680 companies find out out now. Three all three seven seven 1806 01:38:01.720 --> 01:38:04.479 to one help. You'll think you're his only customer when 1807 01:38:04.479 --> 01:38:06.760 you choose Frank durand the real estate Man dot com 1808 01:38:07.000 --> 01:38:10.119 to list your home with Remax Alliance three all three 1809 01:38:10.199 --> 01:38:17.000 nine two zero sixteen twenty two. Tom Martinez your troubleshooter 1810 01:38:17.039 --> 01:38:19.159 three all three seven one three h two five five. 1811 01:38:19.880 --> 01:38:22.720 So I'm gonna get some help on right after the 1812 01:38:22.800 --> 01:38:25.359 first of the hour here, Jeff, I'm going to get 1813 01:38:25.399 --> 01:38:28.319 an advisor that advises me on things, and I really 1814 01:38:28.399 --> 01:38:31.319 want to get you someone just to hold your hand 1815 01:38:31.359 --> 01:38:34.720 and help you. Absolutely nothing involved no strings attached. 1816 01:38:34.760 --> 01:38:35.039 I want. 1817 01:38:35.119 --> 01:38:39.359 I really do think it's necessary because you're entering an 1818 01:38:39.439 --> 01:38:42.479 area where I don't know if they're being completely straight 1819 01:38:42.560 --> 01:38:44.920 with you or not. They probably I'm hoping they are 1820 01:38:45.520 --> 01:38:48.399 because it's a highly regulated business. So hang on, Jeff, 1821 01:38:48.439 --> 01:38:50.279 he'll be on the air to talk about this and 1822 01:38:50.359 --> 01:38:53.720 the steps you need to take. Meanwhile, Tyler, we're trying 1823 01:38:53.760 --> 01:38:56.760 to figure out what we get Bob's infos so I 1824 01:38:56.800 --> 01:38:57.760 can reach out to them. 1825 01:38:57.880 --> 01:38:59.680 Yeah, and I don't have it, Mark, I don't know 1826 01:38:59.720 --> 01:39:00.079 why I. 1827 01:39:00.079 --> 01:39:02.239 Don't have it. I talk doesn't have it, Kelly doesn't 1828 01:39:02.279 --> 01:39:04.560 have it. I don't have it. Okay, Rob, if you're 1829 01:39:04.640 --> 01:39:07.079 listening from l em Landscaping, give us a call and 1830 01:39:07.199 --> 01:39:09.800 just let us know. But I did hear from Jaris 1831 01:39:09.880 --> 01:39:13.479 on multiples. They're called on what what do you do 1832 01:39:13.640 --> 01:39:21.039 with landscaping? The multiple on earnings is earnings multiples two 1833 01:39:21.119 --> 01:39:28.000 point three eight. Earnings multiple if it's just based on 1834 01:39:28.199 --> 01:39:32.880 gross revenue is point six ' eight, So you would 1835 01:39:32.920 --> 01:39:38.319 take a real I mean, if it's a real earnings, okay, 1836 01:39:38.800 --> 01:39:42.840 and it's five years. I don't know what his real 1837 01:39:42.880 --> 01:39:45.039 earnings are. I don't know if he does or his 1838 01:39:45.840 --> 01:39:48.159 gross revenue multiple point six eight. 1839 01:39:51.479 --> 01:39:52.800 Although that doesn't make sense to me. 1840 01:39:52.880 --> 01:39:56.760 Although that's what it's saying here on how to evaluate 1841 01:39:56.920 --> 01:40:02.960 landscaping in yard service businesses. But case, what we need 1842 01:40:03.039 --> 01:40:04.960 to do is call you back when we get someone. 1843 01:40:05.000 --> 01:40:07.760 We're trying to get a hold of a landscaper that 1844 01:40:07.920 --> 01:40:12.680 can help us three oh three seven one three eight 1845 01:40:12.760 --> 01:40:16.119 two five five. Also, I'm getting a lot of texts 1846 01:40:16.600 --> 01:40:22.359 on this rental car company sixth They are bad news, Mark. 1847 01:40:22.479 --> 01:40:24.800 I don't think I've had one person say they'd had 1848 01:40:24.840 --> 01:40:26.000 a good experience with them. 1849 01:40:26.560 --> 01:40:31.159 That's how terrible they're doing. Uh So we are looking into. 1850 01:40:31.039 --> 01:40:36.920 That some more X sixt we recommend against them based 1851 01:40:36.960 --> 01:40:41.079 on what we're hearing. Three three seven one three eight 1852 01:40:41.159 --> 01:40:43.720 two five five is our number or three oh three Martino. 1853 01:40:43.840 --> 01:40:46.319 We have ideal home loans with us as well, and 1854 01:40:46.479 --> 01:40:50.399 we've been talking about home loans and on home loans. 1855 01:40:50.479 --> 01:40:53.479 Somebody wants to know what do you anticipate with the 1856 01:40:53.560 --> 01:40:56.520 coming election? Will rates go down? Do you think? 1857 01:40:56.920 --> 01:40:59.920 Or is inflation down enough where they might go down? 1858 01:41:00.079 --> 01:41:02.159 What are you hearing in the industry? 1859 01:41:02.239 --> 01:41:04.840 Bread Well, I think again, aside from the election, I 1860 01:41:04.920 --> 01:41:06.640 think you are going to see rates go down, and 1861 01:41:06.680 --> 01:41:09.119 the reason you're going to aside from it even if yeah, 1862 01:41:09.279 --> 01:41:12.279 no matter what goes on what party, the Federal Reserve 1863 01:41:12.399 --> 01:41:14.159 is going to start to cut interest rates. And it 1864 01:41:14.279 --> 01:41:18.239 looks like it's very likely those cuts will begin in September. 1865 01:41:18.319 --> 01:41:21.119 Now that doesn't mean that's a certainty, but we're starting 1866 01:41:21.159 --> 01:41:23.319 to see a lot of softening and economic data. The 1867 01:41:23.439 --> 01:41:26.279 jobs report last week came out very soft and missed 1868 01:41:26.319 --> 01:41:29.600 expectations by I think sixty thousand jobs. So you know, 1869 01:41:29.640 --> 01:41:31.720 you're starting to see some of the work they've done, 1870 01:41:31.800 --> 01:41:34.359 do curb inflation show up and all the data, and 1871 01:41:34.439 --> 01:41:37.680 we haven't been seeing that until recently. So that does 1872 01:41:37.880 --> 01:41:40.640 bode for an easing of interest rates, and that does 1873 01:41:40.760 --> 01:41:44.000 bode for lower rates on things like credit cards, out 1874 01:41:44.000 --> 01:41:45.920 of loans, mortgages, all that stuff down the road. 1875 01:41:46.720 --> 01:41:49.800 All right, And do you ever see I know this 1876 01:41:49.960 --> 01:41:52.239 is a crystal ball kind of thing, but do you 1877 01:41:52.479 --> 01:41:56.039 ever see race going back to where they were ever 1878 01:41:56.159 --> 01:41:59.359 three to four two point five three percent? Three points? 1879 01:41:59.359 --> 01:42:03.199 You would need we would need a significant event to 1880 01:42:03.359 --> 01:42:06.159 do that, like like like a global pandemic. 1881 01:42:06.600 --> 01:42:09.640 You like, nothing good, Yeah, nothing good, right, yeah, just 1882 01:42:09.800 --> 01:42:12.920 because then the rest of the economy would tank. That's right, right, 1883 01:42:13.159 --> 01:42:15.800 So why at one time did we have low rates 1884 01:42:15.960 --> 01:42:16.840 and a good economy? 1885 01:42:17.000 --> 01:42:17.720 What was that for? 1886 01:42:18.039 --> 01:42:18.960 Why why did we. 1887 01:42:19.279 --> 01:42:21.039 We came through a period. But think about this, since 1888 01:42:21.079 --> 01:42:21.680 the great. 1889 01:42:21.600 --> 01:42:24.159 Since the mortgage well it was it was okay, go ahead. 1890 01:42:24.560 --> 01:42:28.079 Since then we've had a period of historically very very 1891 01:42:28.159 --> 01:42:28.680 low rates. 1892 01:42:28.920 --> 01:42:31.399 Why that we didn't have a tanked economy. 1893 01:42:31.520 --> 01:42:34.119 Well, no, because they were using it to stimulate the economy. 1894 01:42:34.159 --> 01:42:37.119 And look, they were trying to create inflation at one 1895 01:42:37.159 --> 01:42:38.439 point and couldn't do it. 1896 01:42:38.960 --> 01:42:39.840 I mean, think about that. 1897 01:42:40.079 --> 01:42:42.760 Yeah, you're right, you know, I mean, damn. At one 1898 01:42:42.800 --> 01:42:44.359 time mortgage rates were at two percent. 1899 01:42:44.520 --> 01:42:46.760 Yeah, I mean it was yeah, crazy, it's free money. 1900 01:42:47.079 --> 01:42:48.520 So mark point. 1901 01:42:48.600 --> 01:42:50.560 You know right now, with where rates are at, you 1902 01:42:50.680 --> 01:42:53.279 are getting a great return on your investment on cash 1903 01:42:53.399 --> 01:42:54.640 that's parked with no risk. 1904 01:42:55.479 --> 01:42:55.680 Yeah. 1905 01:42:55.800 --> 01:42:58.159 So there's a twin inch sword here with rates. When 1906 01:42:58.199 --> 01:42:59.560 they go up, they go up for all of us. 1907 01:42:59.600 --> 01:43:01.840 When they go down, they go down. They also go 1908 01:43:01.920 --> 01:43:05.039 down on investments, so or on money. So we got 1909 01:43:05.119 --> 01:43:07.239 more coming up on The Troubleshooter Show three O three 1910 01:43:07.439 --> 01:43:10.119 seven one three talks seven to one, three eight two 1911 01:43:10.359 --> 01:43:16.199 five five, Stay tuned for more. Go with a sure 1912 01:43:16.279 --> 01:43:19.720 thing Denver's best roofer Excel Roofing dot com. You don't 1913 01:43:19.720 --> 01:43:25.760 pay a cent until you're content. Time for an insurance 1914 01:43:25.840 --> 01:43:29.520 check up free, no obligation. In comparison, call Compass Insurance 1915 01:43:29.720 --> 01:43:32.680 paying too much your coverage at dozens of insurance companies 1916 01:43:32.800 --> 01:43:35.359 find out now three all three seven seven one help. 1917 01:43:35.560 --> 01:43:38.199 You'll think you're his only customer when you choose Frank 1918 01:43:38.279 --> 01:43:40.680 durand the real estate Man dot com to list your 1919 01:43:40.760 --> 01:43:43.880 home with Remax Alliance three oh three nine two zero 1920 01:43:44.000 --> 01:43:45.119 sixteen twenty two. 1921 01:43:50.479 --> 01:43:53.039 Ripped news. 1922 01:43:55.199 --> 01:43:55.760 You don't have. 1923 01:43:58.079 --> 01:44:03.000 Come runs, Shooter's gonna help. 1924 01:44:03.279 --> 01:44:07.319 Come man, This is the Troubleshooter Show. 1925 01:44:08.000 --> 01:44:13.640 No Tom Martino, Hi, Tom Martino here three oh three 1926 01:44:14.079 --> 01:44:16.760 seven one three talk three O three seven one three 1927 01:44:16.760 --> 01:44:20.880 eight two five five. Welcome to the show. Trying to 1928 01:44:20.920 --> 01:44:23.520 help you in every way we can. So let's get 1929 01:44:23.560 --> 01:44:26.960 to the phones and continue what we've been doing here. Okay, 1930 01:44:28.600 --> 01:44:29.560 where are all the people? 1931 01:44:29.640 --> 01:44:30.800 I want to get The one guy on? 1932 01:44:31.039 --> 01:44:31.159 Is he? 1933 01:44:31.560 --> 01:44:31.840 Is he on? 1934 01:44:32.000 --> 01:44:35.920 Anymore? Mark? Did he drop off? The uh? The one 1935 01:44:36.000 --> 01:44:39.600 guy wife whose wife was getting getting a hard time 1936 01:44:39.720 --> 01:44:40.720 with the broker. 1937 01:44:41.039 --> 01:44:45.039 No, he dropped he did drop off. Yeah, okay, did, 1938 01:44:45.119 --> 01:44:47.920 but we have a lookdown. We're we're gonna bring up 1939 01:44:47.960 --> 01:44:50.920 two people. This goes back and I want you to 1940 01:44:51.000 --> 01:44:54.840 recap on the problem with Springs Automotive and I'll bring 1941 01:44:54.960 --> 01:44:55.479 Linda up. 1942 01:44:55.800 --> 01:44:56.079 Okay. 1943 01:44:56.199 --> 01:44:58.279 Meanwhile, I'm gonna ask Jeff to call back. I have 1944 01:44:58.359 --> 01:45:01.760 a financial advisor on to answer his questions and tell 1945 01:45:01.880 --> 01:45:03.000 him what he needs to do. 1946 01:45:04.039 --> 01:45:06.560 And I'll even do that. I know what his questions were. 1947 01:45:06.600 --> 01:45:07.680 I hope he's still listening. 1948 01:45:07.760 --> 01:45:10.920 So Jeff, if you have any questions, if you still 1949 01:45:10.960 --> 01:45:13.880 want to know, call us back three zero three seven 1950 01:45:13.960 --> 01:45:15.439 one three talks seven one three. 1951 01:45:15.359 --> 01:45:19.239 A two five five, And then we're going to talk 1952 01:45:19.359 --> 01:45:20.680 to Linda. 1953 01:45:20.840 --> 01:45:21.279 Is that right? 1954 01:45:23.039 --> 01:45:23.239 Yes? 1955 01:45:23.960 --> 01:45:28.279 Okay, Now, Linda had a car done, and I'm going 1956 01:45:28.359 --> 01:45:29.279 to bring up her call. 1957 01:45:31.359 --> 01:45:32.680 And Linda had a car done. 1958 01:45:32.800 --> 01:45:34.560 I'm trying to find your call from the Oh yeah, 1959 01:45:34.560 --> 01:45:38.479 here it is a two thousand and eight Mazda. And 1960 01:45:39.079 --> 01:45:42.319 you had this Mazda repaired. Well, actually you bought it. 1961 01:45:42.880 --> 01:45:48.000 And when you bought it from the dealership, you said 1962 01:45:48.119 --> 01:45:51.079 that the engine went out in three days and then 1963 01:45:51.199 --> 01:45:53.439 they charged you to replace it. 1964 01:45:53.600 --> 01:45:55.520 Is that right, right? 1965 01:45:56.520 --> 01:45:59.119 And this is three days after you bought it. 1966 01:46:00.359 --> 01:46:03.479 You paid forty eight hundred dollars to replace the engine, 1967 01:46:05.319 --> 01:46:09.960 and then that engine it kind of went out again, 1968 01:46:10.600 --> 01:46:14.880 and it was such a poor installation that it did 1969 01:46:15.560 --> 01:46:21.159 damage to other accessories in your car. So now, even 1970 01:46:21.239 --> 01:46:28.640 though the warranty on that used engine is supplying another engine, 1971 01:46:29.920 --> 01:46:34.840 you still have previously damaged parts that need to be replaced. 1972 01:46:34.920 --> 01:46:40.079 And we believed that basically the Springs Automotive should at 1973 01:46:40.159 --> 01:46:41.279 least pony up some of that. 1974 01:46:44.279 --> 01:46:46.880 Right, Jared looked at your car. 1975 01:46:47.279 --> 01:46:49.239 It's an extra four thousand dollars. 1976 01:46:49.439 --> 01:46:52.960 And my car is in North Dakota and Jared is 1977 01:46:53.000 --> 01:46:58.199 in North Dakota. Yes, and Jared looked at your car, Jared, 1978 01:46:58.279 --> 01:47:01.399 do I have that right? They said, to replacement engine 1979 01:47:01.520 --> 01:47:04.880 under warranty, but you can't put it in because there's 1980 01:47:04.920 --> 01:47:07.960 additional damage done by the previous installation. 1981 01:47:08.199 --> 01:47:10.840 Is that right, Well, we're putting it. 1982 01:47:10.920 --> 01:47:14.960 Then it's actually installed. Now we're finishing the vehicle up, 1983 01:47:15.000 --> 01:47:17.359 but it's there was just a lot of stuff that 1984 01:47:17.520 --> 01:47:20.000 was damaged in the process, so we had to repair 1985 01:47:20.640 --> 01:47:22.840 all the damaged parts and replace. 1986 01:47:22.960 --> 01:47:25.079 Yeah, that's the part I'm getting at. Well, those damaged 1987 01:47:25.119 --> 01:47:27.279 parts cost her some extra money. 1988 01:47:28.119 --> 01:47:29.439 Yeah, quite a bit of extra money. 1989 01:47:29.479 --> 01:47:36.239 Yeah, okay, so other than the normal engine installation? How 1990 01:47:36.359 --> 01:47:40.119 much extra money were these damaged parts? 1991 01:47:42.399 --> 01:47:42.960 Let me look at you. 1992 01:47:43.680 --> 01:47:48.199 Yeah, and Linda, that's going to be that's going to 1993 01:47:48.279 --> 01:47:50.880 be what you need to go after Springs Automotive about 1994 01:47:51.439 --> 01:47:54.520 did they Did they ever respond to you? 1995 01:47:57.399 --> 01:47:59.560 You had them on the phone last Friday? 1996 01:48:01.479 --> 01:48:03.560 Yeah, the streams. 1997 01:48:04.720 --> 01:48:09.199 Oh that's right. Well, well Mark, didn't he say, yeah, 1998 01:48:09.239 --> 01:48:11.079 what happened? I don't have notes on that. I just 1999 01:48:11.159 --> 01:48:15.680 say that the engine was supplied under warranty. Oh yeah, yeah, 2000 01:48:15.760 --> 01:48:18.199 that's right. We did. We told him we appreciated it, 2001 01:48:18.560 --> 01:48:20.720 but at that time we didn't know the extent of 2002 01:48:20.800 --> 01:48:24.199 the damages. He said, oh, this is being covered under warranty, 2003 01:48:24.520 --> 01:48:27.199 but I don't think he realized there was additional damage. 2004 01:48:28.239 --> 01:48:32.279 So we need to call him back, Jared about how 2005 01:48:32.359 --> 01:48:35.479 much extra for those damage parts, like she would have 2006 01:48:35.600 --> 01:48:38.920 to pay under the warranty for normal installation. But and 2007 01:48:39.039 --> 01:48:41.079 that was about how much? 2008 01:48:41.159 --> 01:48:43.600 Eighteen hundred yeah, eighteen forty four. 2009 01:48:44.000 --> 01:48:48.720 Yeah, So the additional costs with labor and the additional 2010 01:48:48.880 --> 01:48:52.960 costs for the parts that were damaged and everything, it's 2011 01:48:53.000 --> 01:48:57.760 about twenty seven hundred bucks. Oh my, god, yeah, the intercooler. 2012 01:48:57.920 --> 01:49:00.399 There's there's all kinds of mean. 2013 01:49:00.479 --> 01:49:05.399 This woman has been so entirely buried in this car. 2014 01:49:06.439 --> 01:49:10.279 She paid forty eight hundred originally to get that engine, 2015 01:49:11.159 --> 01:49:14.319 and now she has to pay another twenty seven hundred, 2016 01:49:15.640 --> 01:49:17.960 and then she has to pay the eighteen hundred to 2017 01:49:18.039 --> 01:49:20.960 you to replace it. This is just in these repairs. 2018 01:49:21.359 --> 01:49:25.239 This woman nine thousand, three hundred dollars just to get 2019 01:49:25.239 --> 01:49:27.960 her car running that she bought from Springs Automotive. 2020 01:49:28.680 --> 01:49:30.520 Got about a different vehicle from better vehicle. 2021 01:49:30.640 --> 01:49:33.000 Yeah, oh yeah, what is that car even worth? For 2022 01:49:33.119 --> 01:49:35.159 God's sakes, what did you pay for that car? 2023 01:49:35.319 --> 01:49:35.640 Linda? 2024 01:49:36.960 --> 01:49:39.039 I paid five thousand, So. 2025 01:49:39.159 --> 01:49:42.680 You're into this car now for fourteen three or fourteen five. 2026 01:49:42.880 --> 01:49:45.439 I mean, you're into this car for way more than 2027 01:49:45.479 --> 01:49:45.920 it's worth. 2028 01:49:47.079 --> 01:49:52.600 Right, Oh my god, I'm putting band aids upon band 2029 01:49:52.640 --> 01:49:56.000 aids upon band aids. And I said to them, why 2030 01:49:56.079 --> 01:49:59.000 are you banah eating this car? Get me a different 2031 01:49:59.079 --> 01:50:00.399 car and they will do it. 2032 01:50:01.079 --> 01:50:03.960 Well, it's too late. Now you got a damn engine. 2033 01:50:04.119 --> 01:50:06.920 But you paid for that engine. So you paid five 2034 01:50:07.039 --> 01:50:10.399 grand for the car, another five grand for a new engine, 2035 01:50:11.199 --> 01:50:13.199 and now you have to pay another You had to 2036 01:50:13.279 --> 01:50:14.439 pay another ending. 2037 01:50:14.439 --> 01:50:16.800 Honestin on right now from Spring's automotive. 2038 01:50:17.520 --> 01:50:20.279 I mean, this guy isn't I mean, he's got to understand. 2039 01:50:20.399 --> 01:50:24.119 This woman's been completely ripped off. They should do something 2040 01:50:24.239 --> 01:50:31.039 for her. I mean, gosh, dang it, you're just so me. 2041 01:50:32.640 --> 01:50:35.880 Not to mention I have been on two feet instead 2042 01:50:35.880 --> 01:50:38.199 of four wheels for six months. 2043 01:50:40.039 --> 01:50:43.359 Well, we have a serious problem. So I want to 2044 01:50:43.399 --> 01:50:50.319 go the original, the original purchase five grand, right right, Okay, 2045 01:50:51.479 --> 01:50:52.479 I'm making a note of this. 2046 01:50:52.640 --> 01:50:53.399 This is crazy. 2047 01:50:53.760 --> 01:50:59.079 And then new engine or replacement engine was forty eight hundred, 2048 01:51:00.159 --> 01:51:04.079 and that is then on top of that you had 2049 01:51:04.560 --> 01:51:10.000 the installation of that engine a second time reinstallation of 2050 01:51:10.119 --> 01:51:16.840 a second engine. Oh my gosh, that's another eighteen eighteen hundred. 2051 01:51:17.199 --> 01:51:19.640 And then on top of that you have twenty They. 2052 01:51:19.560 --> 01:51:22.479 Didn't about the engine in and I drove it six 2053 01:51:22.600 --> 01:51:24.640 hundred and fifty miles without a bullet. 2054 01:51:24.960 --> 01:51:27.520 Well, you know, you keep bringing that up. And here's 2055 01:51:27.520 --> 01:51:30.319 what I want to tell you. As crazy as it sounds, 2056 01:51:30.399 --> 01:51:32.640 I don't care about that part. I see, I don't 2057 01:51:32.760 --> 01:51:36.000 care what could have happened, all right. What I care 2058 01:51:36.039 --> 01:51:40.039 about is what did happen? You had a five thousand 2059 01:51:40.079 --> 01:51:44.079 dollars car forty eight hundred dollars replacement engine three days later. 2060 01:51:44.880 --> 01:51:50.439 Then you have a reinstallment of another replacement engine for 2061 01:51:50.680 --> 01:51:54.720 eighteen hundred, and then you have twenty seven hundred in 2062 01:51:55.000 --> 01:52:00.439 damages from the original installation. These people have complete and 2063 01:52:00.640 --> 01:52:02.520 totally ripped your face off. 2064 01:52:03.960 --> 01:52:06.600 Hello, I know hold on. 2065 01:52:06.840 --> 01:52:11.560 You know I'll be shocked by the way. I would 2066 01:52:11.600 --> 01:52:14.800 be absolutely shocked. 2067 01:52:16.000 --> 01:52:16.640 If this thing. 2068 01:52:17.439 --> 01:52:21.239 Honest to God, if this happens, if you don't, we 2069 01:52:21.359 --> 01:52:23.720 got to do something. If they don't do anything for you, 2070 01:52:23.880 --> 01:52:25.800 Hold on, both of you, Jeff. I want to bring 2071 01:52:25.920 --> 01:52:27.760 up Jeff real quick. Let me get this call out 2072 01:52:27.800 --> 01:52:30.039 because Jeff was patient. Jeff, are you there? 2073 01:52:31.840 --> 01:52:32.479 I'm here, sir. 2074 01:52:33.039 --> 01:52:35.680 Okay, Jeff, I have someone on the line. Are you there, Pat? 2075 01:52:39.439 --> 01:52:39.760 Hold on? 2076 01:52:40.000 --> 01:52:41.720 He might be on hold Pat. 2077 01:52:41.760 --> 01:52:46.439 Are you there? Pat? Are you there? I'm okay, good Pat. 2078 01:52:46.520 --> 01:52:50.199 Jollif is a financial advisor. I just want to say something. Okay, 2079 01:52:51.199 --> 01:52:53.199 he has helped me for years and years and years, 2080 01:52:53.239 --> 01:52:55.840 so I'm asking him to do this. This has nothing 2081 01:52:55.920 --> 01:52:59.119 to do with soliciting business. This is to help you 2082 01:52:59.359 --> 01:53:03.920 through this time. What happened was, Pat, is that Jeff's 2083 01:53:05.199 --> 01:53:08.680 mother in law died at ninety seven. His wife is 2084 01:53:08.800 --> 01:53:13.920 inheriting some brokerage accounts at Baird. Have you heard of Baird? 2085 01:53:15.119 --> 01:53:16.159 Pat yep? 2086 01:53:16.399 --> 01:53:20.840 Okay, I have. For some reason, he can't get straightforward 2087 01:53:21.000 --> 01:53:24.520 information on how much is going to be to liquidate 2088 01:53:25.039 --> 01:53:29.000 this woman. Jeff's wife simply wants to take her half 2089 01:53:29.520 --> 01:53:32.640 of the two point five and place it with their 2090 01:53:32.760 --> 01:53:36.439 own advisors or with their own account they have now, 2091 01:53:37.399 --> 01:53:43.239 and he can't get straight answers, right, Jeff, Yeah, she. 2092 01:53:43.279 --> 01:53:48.840 Doesn't seem to. Maybe my life doesn't understand that. She 2093 01:53:48.920 --> 01:53:51.199 hasn't called me back on it, and we haven't gotten 2094 01:53:51.279 --> 01:53:52.279 in the straight answers. 2095 01:53:52.840 --> 01:53:56.520 And what you want to know specifically is exactly how 2096 01:53:56.720 --> 01:54:00.920 much it will cost you to liquid Is that right? 2097 01:54:03.520 --> 01:54:05.680 That's that's what she's thinking right now. 2098 01:54:06.279 --> 01:54:06.600 Liquid. 2099 01:54:06.640 --> 01:54:08.000 But I want to give you an I want to 2100 01:54:08.039 --> 01:54:10.399 give you another alternative. I want you to hear this 2101 01:54:11.279 --> 01:54:14.319 let you have right now. You said you wanted to 2102 01:54:14.399 --> 01:54:16.720 move it over to your joint account that you have 2103 01:54:17.359 --> 01:54:19.560 with your own advisor. Is that correct? Jeff? 2104 01:54:21.880 --> 01:54:26.359 Yeah, I haven't really decided on doing that as yet because. 2105 01:54:26.279 --> 01:54:28.439 Okay, but here's what I want to tell you. And 2106 01:54:28.520 --> 01:54:31.439 there's a couple of ways to do this. Let's just 2107 01:54:31.640 --> 01:54:35.159 say that Pat looks this over who you can trust. 2108 01:54:35.239 --> 01:54:37.000 Like I said, he all he's going to do is 2109 01:54:37.079 --> 01:54:41.680 give you a neutral look. But sometimes it may not 2110 01:54:41.920 --> 01:54:47.119 be worth liquidating what you have. Let's just say that 2111 01:54:47.359 --> 01:54:51.119 that previous advisor to your mother in law maybe pick 2112 01:54:51.239 --> 01:54:54.359 some good investments and it might be the wrong time 2113 01:54:54.439 --> 01:54:57.159 to liquidate, and you may just want to move them 2114 01:54:57.279 --> 01:55:01.399 over to your wife's name without liquidating them, but you 2115 01:55:01.560 --> 01:55:03.239 still accomplish the same thing. 2116 01:55:03.359 --> 01:55:04.319 Does that make sense? 2117 01:55:06.239 --> 01:55:06.479 Sure? 2118 01:55:06.640 --> 01:55:07.920 Yeah, it makes a lot of sense. 2119 01:55:08.359 --> 01:55:11.479 Now, Jef, Pat, I wanted to ask you to them, Pat, 2120 01:55:11.960 --> 01:55:16.600 would you be able to without being their official advisor, 2121 01:55:16.720 --> 01:55:19.800 would you be able to look at their accounts and 2122 01:55:19.920 --> 01:55:23.119 give them some advice? There's nothing wrong with that, right, 2123 01:55:23.359 --> 01:55:25.920 just some neutral, free advice. 2124 01:55:27.000 --> 01:55:29.399 Yeah, sure, that'd be fine. Just if we could get 2125 01:55:29.640 --> 01:55:32.680 most recent statements from the estate then we can start 2126 01:55:32.720 --> 01:55:32.880 with that. 2127 01:55:33.079 --> 01:55:39.039 And could you analyze their investments to see you know 2128 01:55:39.359 --> 01:55:42.960 what they have and maybe because you don't. The last 2129 01:55:43.000 --> 01:55:46.159 thing Jeff wants is them losing a ton of money 2130 01:55:46.199 --> 01:55:48.359 by liquidating and then moving it over. 2131 01:55:48.520 --> 01:55:52.640 Right, absolutely, yeah, the other. 2132 01:55:52.600 --> 01:55:54.439 Thing I want. The other thing I want to ask 2133 01:55:54.520 --> 01:55:57.840 Pat could you is there a way to know if 2134 01:55:58.520 --> 01:56:01.520 they do want to liquidate if there are excessive fees 2135 01:56:01.600 --> 01:56:06.960 being charged, because Jeff was concerned that there might be Jeff, 2136 01:56:07.000 --> 01:56:09.439 what were you calling them management fees? 2137 01:56:11.760 --> 01:56:15.520 Well, my wife was telling me what she found out 2138 01:56:15.640 --> 01:56:22.479 for me the brokerage was that the account managers charge. 2139 01:56:22.199 --> 01:56:23.000 Your fee to. 2140 01:56:25.319 --> 01:56:27.840 Liquidate their accounts that they're managing. 2141 01:56:30.079 --> 01:56:32.199 Does that sound right, Pat? Could that be like a 2142 01:56:32.319 --> 01:56:33.560 mutual fund or something. 2143 01:56:35.199 --> 01:56:37.199 Well, it's hard to say. I mean, it could be 2144 01:56:37.279 --> 01:56:40.079 the specific investment that they're in might have some sort 2145 01:56:40.119 --> 01:56:43.199 of contingent for sales charge. If they're in a time 2146 01:56:43.439 --> 01:56:45.600 what's in a time prime, they liquidate. So I think 2147 01:56:45.680 --> 01:56:47.840 the best thing to do is right back to what 2148 01:56:47.960 --> 01:56:50.119 you're offering, Tomas. Let's have a lift at what they have. 2149 01:56:50.800 --> 01:56:54.000 Brokerage statements would reflect cost, basis and the like. There's 2150 01:56:54.039 --> 01:56:56.680 all sorts of different things that come into play when 2151 01:56:57.199 --> 01:56:59.000 you know when a depth is involved, and you know 2152 01:56:59.520 --> 01:57:01.479 step up and basis and all those kinds of things 2153 01:57:02.279 --> 01:57:07.239 of the count, you know, beneficiary design, all of that suffect. 2154 01:57:09.079 --> 01:57:13.520 So has already been it's already been liquidated, and she 2155 01:57:13.760 --> 01:57:16.039 has it her share of it. 2156 01:57:16.239 --> 01:57:20.239 It's already in her name, and her sister has liquidated 2157 01:57:20.319 --> 01:57:22.960 her share of it, and it's no longer an issue 2158 01:57:23.000 --> 01:57:24.119 as far as that goes. 2159 01:57:24.319 --> 01:57:27.000 But as far as your wife's share, is it still 2160 01:57:27.079 --> 01:57:30.439 in stocks and stuff or not? Oh? 2161 01:57:30.520 --> 01:57:30.760 It is? 2162 01:57:30.920 --> 01:57:31.159 Yeah? 2163 01:57:31.840 --> 01:57:35.720 Okay, So he's what he's saying is that his his 2164 01:57:35.920 --> 01:57:40.239 wife's sister already liquidated. Well, Jeff, did she get a 2165 01:57:40.279 --> 01:57:42.359 good portion of her half or did she have to 2166 01:57:42.439 --> 01:57:45.039 spend a lot did she have to pay a lot 2167 01:57:45.119 --> 01:57:45.560 of fees? 2168 01:57:47.439 --> 01:57:48.920 Well, we haven't talked to her about it. 2169 01:57:49.079 --> 01:57:51.920 They don't seem to get along. 2170 01:57:51.800 --> 01:57:55.439 You know. Okay, Jeff, listen, listen, I'm serious. You need 2171 01:57:55.560 --> 01:57:58.560 some help. What we want to do is have is 2172 01:57:59.279 --> 01:58:03.119 I'll have past call you and again, you know, there's nothing, 2173 01:58:04.159 --> 01:58:08.520 absolutely no obligation. He can just make sure that you're 2174 01:58:08.640 --> 01:58:12.079 not you know, that they're not abusing the hell out 2175 01:58:12.119 --> 01:58:15.560 of you, or make sure that it's wise or the 2176 01:58:15.760 --> 01:58:19.920 best most efficient way to transfer that into your wife. 2177 01:58:20.079 --> 01:58:25.279 Okay, So yeah, I appreciate it. 2178 01:58:25.720 --> 01:58:26.600 No no problem. 2179 01:58:27.560 --> 01:58:27.840 Mark. 2180 01:58:27.920 --> 01:58:29.960 Can you get Jeff's number and put it up on 2181 01:58:30.079 --> 01:58:32.359 the board and I'll give that over to Pat Jack. 2182 01:58:33.079 --> 01:58:35.560 Thank you, Pat, thank you very much for being here. 2183 01:58:35.600 --> 01:58:39.199 I certainly appreciate it, my pleasure. All right. We'll see him, 2184 01:58:39.479 --> 01:58:43.479 all right. So the point is people, this stuff should 2185 01:58:43.479 --> 01:58:47.000 be a free flow of information. What Pat was talking 2186 01:58:47.039 --> 01:58:49.840 about is a step up and basis means at the 2187 01:58:50.000 --> 01:58:54.479 time of death they get the benefit of that basis. 2188 01:58:55.039 --> 01:58:59.720 So that will minimize taxes and that will minimize transfer fees. 2189 01:58:59.800 --> 01:59:03.159 So we'll talk about that coming up. Bob is also 2190 01:59:03.279 --> 01:59:05.079 on the line. We got to take a break. He's 2191 01:59:05.119 --> 01:59:09.159 gonna tell us about selling lawn care businesses for this 2192 01:59:09.520 --> 01:59:13.159 young man that called in. And then we also have Yeah, 2193 01:59:13.199 --> 01:59:15.000 that's about it for now. Then we have ideal home 2194 01:59:15.079 --> 01:59:17.560 loans as well. So stick around for a very busy 2195 01:59:17.680 --> 01:59:25.319 day on the Troubleshooter Show. Go with a sure thing 2196 01:59:25.479 --> 01:59:28.760 Denver's Best roofer Excel Roofing dot com. You don't pay 2197 01:59:28.800 --> 01:59:35.399 a cent until you're content. Time for an insurance checkup free, 2198 01:59:35.520 --> 01:59:39.199 no obligation. In comparison, call Compass Insurance paying too much 2199 01:59:39.399 --> 01:59:42.279 your coverage at dozens of insurance companies find out now 2200 01:59:42.399 --> 01:59:44.880 three all three, seven, seven to one help. You'll think 2201 01:59:44.920 --> 01:59:47.479 you're his only customer. When you choose Frank durand the 2202 01:59:47.560 --> 01:59:50.159 real estate Man dot com to list your home with 2203 01:59:50.319 --> 01:59:53.840 Remax Alliance three three nine two zero sixteen twenty two. 2204 02:00:02.239 --> 02:00:04.960 Hi Tom Martine your troubleshooter three oh three seven one 2205 02:00:05.039 --> 02:00:07.600 three eight two five five. Okay, so we got Jeff 2206 02:00:07.640 --> 02:00:09.960 being taken care of with a free review, and uh 2207 02:00:10.399 --> 02:00:13.439 now we're going to go to Bob with Lam Landscaping, 2208 02:00:13.520 --> 02:00:18.399 and Bob says, hey, he can talk a little bit about. 2209 02:00:18.159 --> 02:00:19.520 The landscaping business. 2210 02:00:19.600 --> 02:00:20.479 He's been in it a while. 2211 02:00:20.600 --> 02:00:22.960 Bob, listen, man, thanks for calling. I don't know what 2212 02:00:23.079 --> 02:00:24.680 I did with your cell phone, but if you get 2213 02:00:24.680 --> 02:00:27.960 a chance, please make sure I keep that. I got 2214 02:00:28.079 --> 02:00:30.720 to put that in my contact so so so Bob. 2215 02:00:32.720 --> 02:00:35.920 This guy, this kid has like sixty six customers that 2216 02:00:36.079 --> 02:00:38.439 do regular lawng Carr's had him for a few years 2217 02:00:39.399 --> 02:00:43.079 and he wants to sell his business or sell his list. Basically, 2218 02:00:44.520 --> 02:00:47.319 what how would you value do you do? Do you 2219 02:00:47.439 --> 02:00:49.840 do maintenance, Bob or just new installations? 2220 02:00:50.800 --> 02:00:52.960 No, we don't do maintenan, but I know somebody who 2221 02:00:53.039 --> 02:00:55.520 does who I would recommend to call, which would be 2222 02:00:56.000 --> 02:00:58.960 which would be One man and a dog. He's an 2223 02:00:58.960 --> 02:01:02.720 amazing this company, and the only way you can really 2224 02:01:02.840 --> 02:01:05.199 value it is well, you know, it's a lot different 2225 02:01:05.239 --> 02:01:09.279 maintenance wise than it is with what I do. You know, 2226 02:01:09.359 --> 02:01:11.640 you take your customer base, you see how long you've 2227 02:01:11.640 --> 02:01:13.760 had that customer base, And if I was interested in it, 2228 02:01:13.920 --> 02:01:16.640 I'd want to know how long you've had it, and 2229 02:01:16.760 --> 02:01:18.800 then you just you kind of you're kind of buying 2230 02:01:18.840 --> 02:01:20.880 what customers he has, and then you just have to 2231 02:01:20.920 --> 02:01:24.680 hope that they stay with you. Maintenance is a lot different. 2232 02:01:24.760 --> 02:01:26.399 That's why we've never done it. It's hard to make 2233 02:01:26.439 --> 02:01:28.640 money and maintenance anymore because so many people do it 2234 02:01:30.119 --> 02:01:32.399 and there's a lot of you know, i'll be honesite, 2235 02:01:32.399 --> 02:01:34.359 there's a lot of or you know, companies that do it, 2236 02:01:34.479 --> 02:01:36.359 and they do they do it cheap, but they do 2237 02:01:36.479 --> 02:01:38.520 good work. So it's really hard to compete with some 2238 02:01:38.640 --> 02:01:41.479 of them. But that's how I would got it. Just 2239 02:01:41.600 --> 02:01:43.960 if you have fifty customers and how much is he 2240 02:01:44.000 --> 02:01:46.800 bringing in a month or a year and how long 2241 02:01:46.840 --> 02:01:49.000 they've been with him, That's how I would look at it. 2242 02:01:50.520 --> 02:01:53.079 Yeah, it's hard to get a grasp on his numbers, 2243 02:01:53.119 --> 02:01:56.039 so we can't really go there. But I think that 2244 02:01:56.479 --> 02:02:00.960 basically they just said after expense says I, I don't know. 2245 02:02:01.039 --> 02:02:05.640 I even hesitate to say he's making probably somewhere around 2246 02:02:05.800 --> 02:02:10.199 fifty grand or so on those But but you know, 2247 02:02:10.399 --> 02:02:14.720 I would say a good customer though in landscaping without 2248 02:02:14.760 --> 02:02:19.680 a contract, that's another complication. If he did have let's say, 2249 02:02:19.800 --> 02:02:24.840 sixty six customers, even at even at five hundred dollars 2250 02:02:24.920 --> 02:02:28.840 a customer, I mean, that's thirty three grand, and this 2251 02:02:29.039 --> 02:02:32.640 other company is only offering me sixty five hundred bucks. 2252 02:02:33.000 --> 02:02:35.479 I think somewhere between there and there, there's got to 2253 02:02:35.520 --> 02:02:38.520 be more money, you know, more than sixty five hundred dollars. 2254 02:02:39.079 --> 02:02:41.720 Yeah, here's the thing. You got to figure out the equipment. 2255 02:02:42.000 --> 02:02:42.479 Was it great? 2256 02:02:42.520 --> 02:02:45.800 Okay, so his base that's pretty that's a pretty low, 2257 02:02:46.119 --> 02:02:49.239 uh right cuarly rate. You know, with his base, you 2258 02:02:49.279 --> 02:02:51.319 gotta figure the equipment you gotta pay forare or if 2259 02:02:51.359 --> 02:02:55.399 he's selement the condition of it? Right, I think I 2260 02:02:55.439 --> 02:02:57.439 would say, if I had to be honest, know what 2261 02:02:57.520 --> 02:02:59.640 you just told me, without knowing what equipment he has, 2262 02:03:00.560 --> 02:03:02.439 ten to fifteen might be the top I'd want to 2263 02:03:02.479 --> 02:03:05.279 pay for it because of the maintenance of the equipment 2264 02:03:05.279 --> 02:03:07.359 and the upkeep and all that. You know, he's not 2265 02:03:07.520 --> 02:03:09.159 making a whole lot of money if that's all he's 2266 02:03:09.199 --> 02:03:11.720 making a year taken with machine ups keep and all that, 2267 02:03:12.119 --> 02:03:13.279 that's not a whole lot of money. 2268 02:03:13.359 --> 02:03:17.600 And well, I think I think he said, and again 2269 02:03:17.680 --> 02:03:20.399 I don't know. He said he was grossing sixty. But 2270 02:03:21.439 --> 02:03:25.359 then he said he only had forty to split with 2271 02:03:25.600 --> 02:03:29.159 his two brothers. And that to me, that doesn't even 2272 02:03:29.239 --> 02:03:31.479 make sense. I don't know how you spend twenty thousand 2273 02:03:31.479 --> 02:03:32.640 dollars on expenses. 2274 02:03:34.159 --> 02:03:37.000 Well, you know your your upkeeper. If he takes really 2275 02:03:37.039 --> 02:03:39.800 good care of machinery. You know, a good a good 2276 02:03:39.920 --> 02:03:41.279 mower is gonna last year three. 2277 02:03:45.279 --> 02:03:49.439 We're losing the thoughts. So Bob, listen, you know what. 2278 02:03:50.000 --> 02:03:51.760 I'll tell you what would be good? Mark? Did you 2279 02:03:51.920 --> 02:03:54.119 get his number? Because Bob's a good guy, I'll give 2280 02:03:54.159 --> 02:03:54.840 him free advice. 2281 02:03:55.279 --> 02:03:58.880 I'm not quite sure where we left that. I probably 2282 02:03:58.920 --> 02:04:01.039 have his number somewhere. But if we don't have his 2283 02:04:01.279 --> 02:04:06.119 number up here, but we're gonna lose Big Daddy's auto. Man, 2284 02:04:06.199 --> 02:04:07.279 he's been on hold forever. 2285 02:04:07.399 --> 02:04:08.399 So I don't know what you want. 2286 02:04:08.439 --> 02:04:10.239 Okay, Jared, Okay, let me just finish. 2287 02:04:10.359 --> 02:04:10.680 Jared. 2288 02:04:10.800 --> 02:04:14.319 Listen, man, we're gonna we appreciate the information you have 2289 02:04:14.520 --> 02:04:16.680 the only thing we made to need to get from 2290 02:04:16.720 --> 02:04:20.680 you to get paid from these other clowns. Is we 2291 02:04:21.079 --> 02:04:25.199 need to get maybe a letter saying that you know 2292 02:04:25.359 --> 02:04:28.560 that you found this to be damaged from the previous installation. 2293 02:04:28.720 --> 02:04:30.760 And by the way I left, I talked to a 2294 02:04:30.840 --> 02:04:35.640 woman over there at Springs Automotive and she was gonna 2295 02:04:35.680 --> 02:04:37.840 get someone to hopefully come on the air and talk 2296 02:04:37.880 --> 02:04:39.560 to me. Then she had me on hold for about 2297 02:04:39.600 --> 02:04:42.920 five minutes, came back and said, no one's available. So 2298 02:04:43.199 --> 02:04:46.720 I put their phone number below show notes. Maybe if 2299 02:04:46.800 --> 02:04:50.159 some of our callers could call up, maybe that could help. 2300 02:04:50.880 --> 02:04:53.279 Now, mark the number you put down there. 2301 02:04:53.359 --> 02:04:53.800 Look at it. 2302 02:04:54.119 --> 02:04:55.880 There's some extra numbers there at the end. 2303 02:04:55.920 --> 02:04:57.760 What is that an extension or well that's. 2304 02:04:57.600 --> 02:04:59.439 The beginning of their address. Let me get rid of 2305 02:04:59.479 --> 02:05:00.479 the fourteenth eleven. 2306 02:05:00.880 --> 02:05:03.520 Okay, good, good, Okay, So we got more coming up 2307 02:05:03.560 --> 02:05:06.399 on the Troubleshooter Show. I want to talk about renew 2308 02:05:06.479 --> 02:05:10.840 home innovations. Beautiful showers. Beautiful showers. They take the old shoves, 2309 02:05:10.880 --> 02:05:13.800 the old tub shower combos, get rid of them. They 2310 02:05:13.840 --> 02:05:18.399 put in beautiful showers, rectangle, perimeter drains, grab bar seats, 2311 02:05:18.840 --> 02:05:23.319 glass panels, stone walls, stone resin with no maintenance. They 2312 02:05:23.439 --> 02:05:25.479 do it in two or three days with seventy two 2313 02:05:25.600 --> 02:05:28.479 months to pay. These are people that do beautiful work. 2314 02:05:28.520 --> 02:05:31.640 Three oh three nine zero four two thousand. That's three 2315 02:05:31.680 --> 02:05:35.600 oh three nine zero four two thousand. Go with a 2316 02:05:35.680 --> 02:05:39.199 sure thing Denver's Best roofer Excel Roofing dot com. You 2317 02:05:39.239 --> 02:05:45.000 don't pay a cent until you're content. Time for an 2318 02:05:45.039 --> 02:05:49.239 insurance checkup free, no obligation. In comparison, call Compass Insurance 2319 02:05:49.439 --> 02:05:52.399 paying too much your coverage at dozens of insurance companies 2320 02:05:52.520 --> 02:05:54.560 find out now three all three seven to seven to 2321 02:05:54.600 --> 02:05:57.319 one help. You'll think you're his only customer when you 2322 02:05:57.439 --> 02:06:00.199 choose Frank durand the real estate Man dot com. List 2323 02:06:00.279 --> 02:06:03.319 your home with Remax Alliance three oh three nine two 2324 02:06:03.439 --> 02:06:12.319 zero sixteen twenty two. Hi Tom Martino here three oh 2325 02:06:12.439 --> 02:06:15.439 three seven one three talk three oh three seven one 2326 02:06:15.439 --> 02:06:16.399 three eight two five five. 2327 02:06:16.920 --> 02:06:19.600 I listened to uh I had I tried to get 2328 02:06:19.840 --> 02:06:22.720 back with Springs Automotive. I gotta be honest here, man. 2329 02:06:23.119 --> 02:06:26.039 I think they're playing games. I think they're listening right 2330 02:06:26.119 --> 02:06:28.680 now on the radio, and in my opinion, I think 2331 02:06:28.760 --> 02:06:31.520 they suck. Okay, I'm going to recap this. They suck 2332 02:06:31.600 --> 02:06:33.920 saying this correct. They're just a horrible company. 2333 02:06:34.159 --> 02:06:36.479 We're going to recapture this whole damn thing and we're 2334 02:06:36.520 --> 02:06:39.520 going to blow it up on car Day. But here's 2335 02:06:39.560 --> 02:06:42.399 what Springs Automotive did. They sold her a car for 2336 02:06:42.560 --> 02:06:45.560 five grand, okay, but then a three days later her 2337 02:06:45.600 --> 02:06:48.479 engine goes out. They charge her for a replacement engine 2338 02:06:49.119 --> 02:06:54.199 forty eight hundred bucks. Okay, she pays that. Then that 2339 02:06:54.439 --> 02:07:03.399 went bad and the reinstallment of another replacement was cost 2340 02:07:03.479 --> 02:07:11.439 her eighteen hundred. You know, then twenty seven hundred damages 2341 02:07:11.520 --> 02:07:16.800 from the original installation. So this is Springs Automotive. 2342 02:07:17.039 --> 02:07:19.319 You know what base write down there in Inglewood. Maybe 2343 02:07:19.359 --> 02:07:22.880 we should get some listeners together, grab some picket signs 2344 02:07:22.920 --> 02:07:24.880 and have a good old fashion how to do? 2345 02:07:28.319 --> 02:07:33.960 Oh man, I'm telling you. So, here's their number, Springs Automotive. 2346 02:07:34.479 --> 02:07:36.880 I would avoid them like the plague right now until 2347 02:07:36.920 --> 02:07:39.960 we get an explanation here. They should help this woman out, 2348 02:07:40.399 --> 02:07:42.520 even if they just pay for the replacement and the 2349 02:07:42.640 --> 02:07:46.920 damages from the second engine and their numbers three three, seven, 2350 02:07:46.960 --> 02:07:49.319 eight nine, twenty eight eighty six. You know what we 2351 02:07:49.439 --> 02:07:51.640 have here a consumer club. And when I say club, 2352 02:07:51.680 --> 02:07:53.920 I mean a club. You know what I mean by 2353 02:07:53.960 --> 02:07:54.279 a club? 2354 02:07:54.399 --> 02:07:54.520 Right? 2355 02:07:54.640 --> 02:07:57.960 A club that wax people over the head. I mean figuratively. 2356 02:07:58.239 --> 02:08:00.479 Come on, man, this thing sucks. 2357 02:08:01.199 --> 02:08:03.720 I just want to think about fifteen seconds right now 2358 02:08:04.199 --> 02:08:06.720 and cut a free commercial forum and I'll get it 2359 02:08:06.840 --> 02:08:07.640 airing everywhere. 2360 02:08:07.680 --> 02:08:08.520 Can you do that for me? 2361 02:08:09.039 --> 02:08:12.079 Yeah, I'll cut a free commercial forum on this experience. 2362 02:08:12.199 --> 02:08:12.640 We'll do that. 2363 02:08:13.520 --> 02:08:19.840 We'll do that, and basically are just pible. Okay, come 2364 02:08:19.960 --> 02:08:23.359 to Springs Automotive. Not only will we sell you a no, 2365 02:08:23.640 --> 02:08:25.560 let me do three to two to one. Come to 2366 02:08:25.720 --> 02:08:29.520 Springs Automotive, where we'll not only sell you a piece 2367 02:08:29.560 --> 02:08:33.720 of crap car, but we'll overcharge you for any piece 2368 02:08:33.800 --> 02:08:37.960 of crap repairs it needs, and then we'll do that 2369 02:08:38.159 --> 02:08:42.000 repair wrong, so you'll have even more expense when you 2370 02:08:42.159 --> 02:08:47.880 have to fix our fix. We are Springs Automotive, proud 2371 02:08:48.000 --> 02:08:51.279 to screw you. Call us at three ZHO three seven 2372 02:08:51.359 --> 02:08:55.479 eight nine twenty eight eighty six in Inglewood. But if 2373 02:08:55.560 --> 02:08:59.039 we can, we'll expand to screw more people in more places. 2374 02:08:59.560 --> 02:09:02.079 You help us out three O three seven eight nine 2375 02:09:02.159 --> 02:09:06.159 to eight eight six Springs Automotive Group, where we love 2376 02:09:06.319 --> 02:09:09.840 screwing people. How's that mark? Is that good? 2377 02:09:10.279 --> 02:09:12.960 Anyway? It was great? Man, I'm gonna try to get 2378 02:09:13.039 --> 02:09:14.479 it in rotation real quick. 2379 02:09:14.840 --> 02:09:19.800 Okay. Anyway, that is Spring's automotive and they really do suck. 2380 02:09:20.000 --> 02:09:22.359 And Linda, we're gonna stay on top of it. Okay, 2381 02:09:22.399 --> 02:09:24.159 we're gonna let you loose. We got to take some 2382 02:09:24.279 --> 02:09:25.880 more calls, but we're gonna stay on top of it. 2383 02:09:26.000 --> 02:09:26.119 Now. 2384 02:09:26.279 --> 02:09:29.039 Karen, what's going on with you? Karen? What's happening? 2385 02:09:30.640 --> 02:09:32.800 Hi there, I'm see to see if I could get 2386 02:09:32.880 --> 02:09:35.640 you and one of your deputies to help me out. 2387 02:09:36.279 --> 02:09:40.600 A daughter been with this guy for about seven years, 2388 02:09:40.720 --> 02:09:43.319 but off and on, Hey, get they get into it. 2389 02:09:43.560 --> 02:09:46.159 He's done with her or whatever. He drops her off 2390 02:09:46.239 --> 02:09:46.840 on our porch. 2391 02:09:47.640 --> 02:09:50.399 Wait a minute, Wait a minute, Wait a minute. Your 2392 02:09:50.600 --> 02:09:52.439 daughter was with this guy for how long? 2393 02:09:53.520 --> 02:09:54.479 Seven years? 2394 02:09:54.880 --> 02:09:57.560 And then he just drops her off he's done with her? 2395 02:09:58.439 --> 02:10:01.119 Yeah, well here together and then all of a sudden, 2396 02:10:01.159 --> 02:10:03.159 I don't want you around anymore. And he did that 2397 02:10:03.319 --> 02:10:06.279 to her this time. They signed a lease in February, 2398 02:10:07.079 --> 02:10:09.520 and he did that with her about two weeks after 2399 02:10:09.600 --> 02:10:14.079 they signed the lease in February, and then she was 2400 02:10:14.479 --> 02:10:17.720 hanging out with one of the neighbors that she that 2401 02:10:18.000 --> 02:10:20.439 befriended her. All of a sudden, she couldn't figure out why. 2402 02:10:20.720 --> 02:10:22.840 Wait a minute, So and so is she on a 2403 02:10:22.920 --> 02:10:23.640 lease right now? 2404 02:10:24.680 --> 02:10:24.920 Yeah? 2405 02:10:25.760 --> 02:10:29.319 Wait, she's on a lease with this clown and this 2406 02:10:29.600 --> 02:10:33.840 clown clown. Wait wait, another clown and his friend. Wait 2407 02:10:33.880 --> 02:10:36.680 a minute, yeah, wait, now I'm confused. Let's get this straight. 2408 02:10:37.079 --> 02:10:41.239 So your daughter was with this guy seven years. Yeah, 2409 02:10:41.880 --> 02:10:43.720 then that guy dumps her at your place. 2410 02:10:45.439 --> 02:10:48.439 Well he in the past seven years, he probably dumped 2411 02:10:48.479 --> 02:10:50.000 out of our place about twenty times. 2412 02:10:50.199 --> 02:10:52.079 Okay, But what I mean is this, Well she's in 2413 02:10:52.560 --> 02:10:55.840 for a punishment. But in the meantime, hold on, But 2414 02:10:56.000 --> 02:11:01.520 in the meantime, she finds another clown. No, no, same guy, well, 2415 02:11:01.600 --> 02:11:03.399 the same guy the room. 2416 02:11:03.520 --> 02:11:05.640 They got a roommate to go to get back they 2417 02:11:06.319 --> 02:11:08.159 she was broke up with him for about nine months, 2418 02:11:08.479 --> 02:11:11.079 about a year ago, and then got back with him, 2419 02:11:11.199 --> 02:11:14.600 and then she signed another lease with him and another guy. Okay, 2420 02:11:14.880 --> 02:11:18.000 and then then she then he told her that you know, 2421 02:11:18.199 --> 02:11:20.640 he's gonna go off and be a millionaire and do 2422 02:11:22.600 --> 02:11:24.760 stuff on the computer and all this stuff. And then 2423 02:11:24.840 --> 02:11:27.399 come to find out he's been messed around with at 2424 02:11:27.479 --> 02:11:30.840 least one of the girl in the apartment. 2425 02:11:30.960 --> 02:11:35.079 But the real problem you're calling us about is that right? Now? 2426 02:11:35.159 --> 02:11:38.800 Hold On, she made a mistake signing on a lease 2427 02:11:38.920 --> 02:11:39.920 with this clown. 2428 02:11:40.560 --> 02:11:48.239 Till next February. Uh uh so yeah, And what we 2429 02:11:48.359 --> 02:11:51.680 think is happening is because we went back there to 2430 02:11:51.800 --> 02:11:54.920 get her stuff and he had had it already packed 2431 02:11:54.960 --> 02:11:55.279 for her. 2432 02:11:55.720 --> 02:11:59.479 But yeah, but when does she sign the lease in February? 2433 02:12:00.520 --> 02:12:00.760 Ah? 2434 02:12:02.399 --> 02:12:05.520 So she needs to get well, what does she need now? 2435 02:12:05.760 --> 02:12:07.760 She needs to get out of the lease. The landlord's 2436 02:12:07.840 --> 02:12:08.720 not going to let her out. 2437 02:12:09.760 --> 02:12:12.000 Yeah, and that's what we're that's where we're at because 2438 02:12:12.279 --> 02:12:14.119 we went back there to get some of her stuff 2439 02:12:14.239 --> 02:12:17.560 because she found out from this girl that she's. 2440 02:12:17.439 --> 02:12:18.279 Been easy to see. 2441 02:12:18.319 --> 02:12:20.079 Hold On, how old is your daughter? 2442 02:12:21.560 --> 02:12:23.159 Twenty three? Is? 2443 02:12:23.439 --> 02:12:26.159 Does your daughter understand that they can come after her 2444 02:12:26.279 --> 02:12:27.439 for all those expenses? 2445 02:12:28.640 --> 02:12:31.680 I let her know that she's one Each person that 2446 02:12:31.800 --> 02:12:34.039 finds the lease is one responsible. 2447 02:12:34.159 --> 02:12:37.079 Yes, So what does can't you just go to small 2448 02:12:37.119 --> 02:12:40.039 claims court and sue for the remainder of the lease 2449 02:12:40.239 --> 02:12:42.800 because he he won't let her use the property. 2450 02:12:43.319 --> 02:12:47.199 Well, yeah, she's out, she's if I don't think so, Mark, 2451 02:12:47.239 --> 02:12:48.479 I don't think that would work, do you? 2452 02:12:48.840 --> 02:12:49.520 Of course it would? 2453 02:12:49.840 --> 02:12:51.560 No, it was if she can't if he's not allowing 2454 02:12:51.640 --> 02:12:54.199 her to live there, why should she pay one third 2455 02:12:54.880 --> 02:12:55.199 to do with. 2456 02:12:55.239 --> 02:13:00.039 The apartment complex? That's right now. If there's domestics, say. 2457 02:13:00.399 --> 02:13:03.800 They don't have a partnership agreement, hold on, then hold 2458 02:13:03.840 --> 02:13:07.760 on see doc. If she had a partnership agreement with 2459 02:13:07.840 --> 02:13:11.760 this guy to live there together, and then he's denying her, 2460 02:13:11.960 --> 02:13:14.680 that she consume for breach of contract, which is costing 2461 02:13:14.720 --> 02:13:17.720 her money. But none of that's happening. They just moved 2462 02:13:17.760 --> 02:13:21.199 into a place and signed a lease. So here's the thing, Karen, 2463 02:13:21.279 --> 02:13:23.239 You're not gonna like to hear this, but this is 2464 02:13:23.319 --> 02:13:26.479 the true The only way you can handle stupidity at 2465 02:13:26.520 --> 02:13:30.439 this age, and that is this, listen, is that she 2466 02:13:30.800 --> 02:13:36.199 just hopes this guy doesn't leave behind a breach or 2467 02:13:36.239 --> 02:13:39.680 a big bill because if some if they do come 2468 02:13:39.760 --> 02:13:43.960 after her for the remainder of the lease or for damages, 2469 02:13:44.039 --> 02:13:49.319 she's going to have to do a bankruptcy. Yeah, I 2470 02:13:49.359 --> 02:13:51.720 wouldn't do anything right now if he kicked her out. 2471 02:13:51.760 --> 02:13:53.960 She first of all, is she's smart enough to stay 2472 02:13:53.960 --> 02:13:55.199 away from this clown right. 2473 02:13:55.119 --> 02:13:58.920 Now this time? I hope. So she's living with us, 2474 02:13:59.359 --> 02:14:01.880 and got her and her sister that are living with 2475 02:14:02.039 --> 02:14:03.800 us too now. So it's like me and my husband 2476 02:14:03.800 --> 02:14:05.640 are like, no, I know, you. 2477 02:14:06.840 --> 02:14:11.279 Know, listen, kids some kids are like boomerangs. You throw 2478 02:14:11.359 --> 02:14:12.479 them out, they come back. 2479 02:14:13.479 --> 02:14:15.800 Well and that, and that's what he told her last time. 2480 02:14:15.880 --> 02:14:18.079 He said, well, I know I could just you know, 2481 02:14:18.359 --> 02:14:20.600 break up with you because your mom and dad will 2482 02:14:20.640 --> 02:14:21.399 just take you back in. 2483 02:14:22.319 --> 02:14:25.239 So what here she do if he asks her for 2484 02:14:25.399 --> 02:14:28.800 her third of the red tell him to go squad? 2485 02:14:28.960 --> 02:14:31.880 Why how could he possibly ask for that if she's 2486 02:14:31.920 --> 02:14:35.520 not living there? Listen, we gotta take this break. You 2487 02:14:35.720 --> 02:14:38.439 heard Karen, I think she listen. She might be on 2488 02:14:38.520 --> 02:14:40.920 the lease, but he's denying her entrance. I would say 2489 02:14:41.039 --> 02:14:43.439 forget about it. If they come after her she does 2490 02:14:43.479 --> 02:14:45.279 a bankruptcy. I don't know what else to say. We 2491 02:14:45.359 --> 02:14:48.640 got more coming up. Go with a sure thing Denver's 2492 02:14:48.720 --> 02:14:51.560 Best Roofer Excel roofing dot com. You don't pay a 2493 02:14:51.680 --> 02:14:58.119 cent until you're content. Time for an insurance check up free, 2494 02:14:58.239 --> 02:15:01.920 no obligation. 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Listen to this, and you find 2512 02:15:51.439 --> 02:15:53.880 a rental somewhere you want to buy, or another house, 2513 02:15:54.000 --> 02:15:56.239 vacation house, whatever, you don't pay. 2514 02:15:56.119 --> 02:15:57.399 Again, Yep, you don't pay again. 2515 02:15:58.119 --> 02:15:59.840 If rayce good on, you don't pay again. 2516 02:15:59.720 --> 02:16:01.720 Nope, you can refinance a lower rate and lower your 2517 02:16:01.760 --> 02:16:02.760 payment with no lender fees. 2518 02:16:03.720 --> 02:16:04.319 Think about that. 2519 02:16:04.520 --> 02:16:04.680 Man. 2520 02:16:05.039 --> 02:16:07.680 That is ideal home loans for your next ideal home loan, 2521 02:16:07.760 --> 02:16:10.520 No ideal home loans for all your Ideal Home Loans, 2522 02:16:10.960 --> 02:16:14.560 and that's three O three eight sixty seven seven thousand 2523 02:16:14.560 --> 02:16:17.239 and eight six seven seven thousand ideal. 2524 02:16:17.279 --> 02:16:19.239 Home loans dot com. 2525 02:16:19.720 --> 02:16:22.520 Hey, don't forget three oh three Martino, call us