WEBVTT 1 00:00:00.760 --> 00:00:06.200 Yeah, ripped. 2 00:00:07.679 --> 00:00:10.800 News need advice, so you don't have. 3 00:00:12.960 --> 00:00:15.359 Come running as fast as you can. 4 00:00:16.640 --> 00:00:22.280 Shooter's gonna help coming. Man Dix is the Troubleshooter Show. 5 00:00:22.920 --> 00:00:27.600 Now Tom Martino, Hi, Tom Martino here, Welcome to the show. 6 00:00:27.640 --> 00:00:30.480 Three oh three seven one three talk seven one three 7 00:00:31.239 --> 00:00:34.119 eight two five five. Here to help you solve your problems, 8 00:00:34.119 --> 00:00:37.560 answer questions, take complaints as I've been doing for forty 9 00:00:37.600 --> 00:00:41.840 five years. Here and uh, back at the studio, Major 10 00:00:41.960 --> 00:00:48.799 March Mark Major and uh, guests, we got a full house, brother, Mark, 11 00:00:48.960 --> 00:00:50.840 I'm sorry I didn't get that Selty you do you 12 00:00:50.880 --> 00:00:51.759 have a way to get on. 13 00:00:51.799 --> 00:00:54.840 You're gonna are you gonna be able to get on video? No, sir? 14 00:00:55.000 --> 00:00:57.479 We gotta get that camera back here. Yeah, I will. 15 00:00:57.520 --> 00:00:58.840 I'll do that today. 16 00:00:58.960 --> 00:01:02.240 So, uh anyway, introduced who we have Mark, Well, we 17 00:01:02.320 --> 00:01:03.280 got Deputy Dollar. 18 00:01:03.520 --> 00:01:06.840 He actually brought a friend of his. I'm assuming it's 19 00:01:06.840 --> 00:01:08.799 your girlfriend, but I don't know. What do we have 20 00:01:08.920 --> 00:01:11.560 your Deputy Dollar? Please introduce who this is. 21 00:01:13.079 --> 00:01:13.840 This is Susan. 22 00:01:15.400 --> 00:01:18.200 This is Susan and she's a great friend of mine. 23 00:01:18.280 --> 00:01:20.560 We've met her lot since I know. She's a very 24 00:01:20.640 --> 00:01:23.400 nice person. And then Choppers here in town. 25 00:01:23.480 --> 00:01:26.280 And Susan's a real estate attorney, isn't she? Yeah, she is, 26 00:01:26.480 --> 00:01:27.680 she's big time. 27 00:01:28.439 --> 00:01:31.120 She is a big time And then we have of 28 00:01:31.120 --> 00:01:34.599 course Choppers in and then Mitch Filaria, who I need 29 00:01:34.599 --> 00:01:38.120 to thank personally for the best looking master bathroom. Maybe 30 00:01:38.120 --> 00:01:40.599 that's not politically correct, but I still refer to it 31 00:01:40.599 --> 00:01:43.359 as that that I've ever seen. He came out and 32 00:01:43.400 --> 00:01:48.840 redid our bathroom. Tom it is absolutely beautiful. Make Suzanne happy. 33 00:01:48.879 --> 00:01:51.840 And you know how what they say, happy wife, happy life. 34 00:01:52.079 --> 00:01:52.959 That's right. 35 00:01:53.159 --> 00:01:56.280 Shannon's on the other side of the glass. And Suzanne 36 00:01:56.359 --> 00:01:57.959 of course answering the phones today. 37 00:01:58.480 --> 00:02:01.560 Yeah, we have a full house. And again I apologize 38 00:02:01.599 --> 00:02:02.799 for the video. That's my fault. 39 00:02:02.840 --> 00:02:03.439 I don't have that. 40 00:02:04.400 --> 00:02:07.920 I didn't have that camera set up anyway. So welcome people, 41 00:02:08.039 --> 00:02:10.199 and you can call or text us at any time. 42 00:02:10.560 --> 00:02:13.319 We'll have the audio open to the studio the whole time, 43 00:02:13.800 --> 00:02:16.960 and I'll throw up a picture, even though Mark doesn't 44 00:02:17.039 --> 00:02:20.919 like it of him anyway, anyway, So give us a call. 45 00:02:20.960 --> 00:02:24.240 Three oh three seven one three talk three oh three 46 00:02:24.759 --> 00:02:26.800 seven one three eight two five five. 47 00:02:27.360 --> 00:02:27.479 Uh. 48 00:02:27.919 --> 00:02:31.400 While I have mentioned how Mitch at the Art of 49 00:02:31.439 --> 00:02:34.159 granted we talk about you guys a lot man, So 50 00:02:34.639 --> 00:02:39.560 is it too late to get countertops? It is too 51 00:02:39.599 --> 00:02:42.319 late for it has to be too late for Thanksgiving, right. 52 00:02:43.280 --> 00:02:43.879 Good morning? 53 00:02:44.439 --> 00:02:45.759 Thank you for having me. 54 00:02:46.120 --> 00:02:48.520 Yes, sir by the way, then showed me the pictures 55 00:02:48.560 --> 00:02:51.919 of the of the completed bedroom project and looks very nice. 56 00:02:53.000 --> 00:02:55.120 I don't think it's too late. We still have openings 57 00:02:55.120 --> 00:02:59.240 before Thanksgiving. Remember, it just takes the week from from measuring. 58 00:02:59.319 --> 00:03:01.080 So if you if you put your order in the 59 00:03:01.120 --> 00:03:04.479 next week or wee can half, we can still get 60 00:03:04.520 --> 00:03:05.800 it done before the holidays. 61 00:03:05.919 --> 00:03:09.840 It's quick, man, he came out, he measured, does the template? 62 00:03:10.199 --> 00:03:12.719 I actually watched his guys do the template for the 63 00:03:12.759 --> 00:03:16.479 first time. It's pretty interesting to watch and how how 64 00:03:16.560 --> 00:03:20.120 perfect it is. When they actually bring the stone back, 65 00:03:20.199 --> 00:03:23.000 You're like, how can they get it that perfect? But 66 00:03:23.120 --> 00:03:25.439 it is quick as hell. Man, you template it and 67 00:03:25.479 --> 00:03:28.680 then a week later the install. I mean it was quick. 68 00:03:29.000 --> 00:03:32.919 Yes, when you when you template, oh, I match? 69 00:03:33.240 --> 00:03:35.639 Do you use cardboard or what what do you do 70 00:03:35.719 --> 00:03:36.479 to get the shape? 71 00:03:37.479 --> 00:03:37.599 Uh? 72 00:03:37.719 --> 00:03:39.639 No, I often wondered. I often wondered that. 73 00:03:39.680 --> 00:03:42.240 By the way, No, we use some plastic sheets and 74 00:03:42.319 --> 00:03:44.879 we use the hot glue gun for that and that 75 00:03:44.879 --> 00:03:46.960 that allows us to get very close to the walls 76 00:03:46.960 --> 00:03:51.199 and eliminate any gaps and always get the correct overhangs. 77 00:03:51.360 --> 00:03:52.759 And uh uh yeah. 78 00:03:52.840 --> 00:03:55.520 Usually Chris comes out and he'll explain the process while 79 00:03:55.520 --> 00:03:56.080 he does that. 80 00:03:56.159 --> 00:03:56.800 The measuring. 81 00:03:58.520 --> 00:03:59.800 The other thing that was crazy. 82 00:03:59.840 --> 00:04:02.840 We went to his yard and Suzanne didn't see exactly 83 00:04:02.879 --> 00:04:05.400 what she wanted there, so he sent us over. 84 00:04:05.479 --> 00:04:07.439 What was that place you sent us over to You 85 00:04:07.520 --> 00:04:08.680 had a wholesale account? 86 00:04:08.680 --> 00:04:11.879 We used, Yes, you want one of the local supplies. 87 00:04:11.919 --> 00:04:12.960 There's about four or five. 88 00:04:13.240 --> 00:04:14.560 It was massive time. 89 00:04:14.639 --> 00:04:15.680 I have lots of options. 90 00:04:15.800 --> 00:04:16.959 It was like walking. 91 00:04:16.639 --> 00:04:20.120 Into a football field of granite and courts and any 92 00:04:20.160 --> 00:04:22.720 hard service you can imagine. You walk up and down, 93 00:04:22.759 --> 00:04:25.160 then you pick it out and you literally buy it 94 00:04:25.199 --> 00:04:29.120 at a wholesale price on Mitch's account, so you pay 95 00:04:29.199 --> 00:04:31.759 the exact same thing he pays for the stone. 96 00:04:31.800 --> 00:04:34.120 He doesn't mark it up at all. It's crazy. 97 00:04:34.319 --> 00:04:37.560 I wanted to ask a question. That's you know, I 98 00:04:37.639 --> 00:04:42.199 think I know, But is granite when you take the 99 00:04:42.279 --> 00:04:45.879 stone and you polish it to get that shiny look 100 00:04:46.000 --> 00:04:49.519 or the leathered look or whatever look you get, does 101 00:04:49.560 --> 00:04:52.879 that have to be sealed when you put it in 102 00:04:52.920 --> 00:04:55.959 a kitchen or bath or is it porous? 103 00:04:56.399 --> 00:04:57.920 Is there a sealant on it? 104 00:04:58.639 --> 00:05:02.519 The natural stonies some of them more pores than others. 105 00:05:02.560 --> 00:05:06.759 Therefore it should be sealed, and the crew does soually. 106 00:05:06.959 --> 00:05:10.839 So Actually, if it's not sealed, can you actually start 107 00:05:10.879 --> 00:05:15.480 getting water spots and absorption of water or color or 108 00:05:15.519 --> 00:05:17.360 minerals or stuff you do? 109 00:05:17.480 --> 00:05:19.959 So, what happens is if you if you spill a water, 110 00:05:20.040 --> 00:05:22.199 they will eventually evaporate and it won't stain. But if 111 00:05:22.199 --> 00:05:24.759 you spill a dark, dark liquid like a coffee or 112 00:05:24.920 --> 00:05:28.600 you know, soda or something, that that pigment gets stuck 113 00:05:28.639 --> 00:05:30.759 in a stone and leaves a stain behind, and that's 114 00:05:30.920 --> 00:05:32.040 very difficult or something. 115 00:05:32.120 --> 00:05:35.680 Only if it's not sealed. Only if it's not sealed. Yes, Now, 116 00:05:36.079 --> 00:05:37.560 how long does that cealant? 117 00:05:37.639 --> 00:05:41.160 I've often wondered this mitch because I've noticed a few 118 00:05:41.240 --> 00:05:46.000 off colorations in my other house there where it's not 119 00:05:46.120 --> 00:05:49.160 a shiny surface. But I assume it was sealed at 120 00:05:49.160 --> 00:05:52.360 one time. How long does that sealant last? 121 00:05:52.600 --> 00:05:55.439 Well, a lot longer than before beers Ago seiler used 122 00:05:55.480 --> 00:05:57.360 to last six months or an ear, and you'd have 123 00:05:57.399 --> 00:06:00.639 to redo it over again. The seilers now days are 124 00:06:01.040 --> 00:06:04.040 obviously better quality and they would last many, many years. 125 00:06:04.480 --> 00:06:09.279 Some would say lifetime, but we recommend resealing every five 126 00:06:09.360 --> 00:06:12.279 to ten years, especially around the sinks where it gets 127 00:06:12.319 --> 00:06:13.639 more and more traffic in use. 128 00:06:14.680 --> 00:06:18.560 Five to ten years, that's incredible. So our stuff's good 129 00:06:18.560 --> 00:06:19.959 five to ten years you just put in. 130 00:06:20.160 --> 00:06:23.959 So you got courts in the bathrooms, Engineer stone court. 131 00:06:24.000 --> 00:06:25.319 Does that have to be sealed too? 132 00:06:25.600 --> 00:06:28.000 No, that is non purse. That's purse. That's one of 133 00:06:28.040 --> 00:06:28.920 the main advantages. 134 00:06:29.000 --> 00:06:30.240 So I don't get a mess with it. 135 00:06:30.639 --> 00:06:31.839 You don't you don't need to seal it. 136 00:06:31.920 --> 00:06:33.439 Yes, you will not stay and whether it will not 137 00:06:33.680 --> 00:06:36.920 will not penetrate it or any liquids. And that's one 138 00:06:36.920 --> 00:06:40.519 of the advantages of sealers. Now, remember, besides the natural 139 00:06:40.680 --> 00:06:43.879 besides the local suppliers where mark you went, we also 140 00:06:43.920 --> 00:06:47.360 have all the all the court samples several hundreds there 141 00:06:47.360 --> 00:06:49.160 and all the natural slabs of our yard. 142 00:06:49.600 --> 00:06:49.759 OK. 143 00:06:49.959 --> 00:06:52.160 So I invite customers to stop by as well the 144 00:06:52.160 --> 00:06:54.879 showroom and then if you don't find your your stone there, 145 00:06:54.920 --> 00:06:57.199 we can we can guide you. You can go to the 146 00:06:57.199 --> 00:07:00.439 supplier and pick up your you know, your specific labs. 147 00:07:00.439 --> 00:07:04.439 And yes, we don't op charge material they cost whatever 148 00:07:04.480 --> 00:07:04.959 they costed. 149 00:07:04.959 --> 00:07:07.319 We had labor, and that's that's what the what the 150 00:07:07.399 --> 00:07:08.920 project price is. 151 00:07:09.120 --> 00:07:11.879 What do you do with like we probably had We 152 00:07:11.920 --> 00:07:15.120 had to have two massive slabs, they were huge. What 153 00:07:15.199 --> 00:07:17.079 do you do because I know there's at least a 154 00:07:17.160 --> 00:07:19.639 quarter of one, if not a half of one of 155 00:07:19.639 --> 00:07:20.680 those slabs left. 156 00:07:20.720 --> 00:07:22.519 I don't want it. What do you guys do with that? 157 00:07:22.839 --> 00:07:26.519 Well, if you have an additional bathroom, or if you 158 00:07:26.560 --> 00:07:27.079 want us to. 159 00:07:27.040 --> 00:07:29.600 Cut a tabletop or or a window. 160 00:07:29.279 --> 00:07:31.279 Seal or yeah, but we don't want any of that, 161 00:07:31.399 --> 00:07:34.160 so it just do you sell that? Research gives it away, 162 00:07:34.240 --> 00:07:35.120 he gives it away. 163 00:07:35.360 --> 00:07:38.319 Yeah, so we so customers can stop buy and select 164 00:07:38.360 --> 00:07:40.600 from uh you know, from all the remnants we have 165 00:07:40.759 --> 00:07:43.199 and if that feeds their their project, like a like 166 00:07:43.240 --> 00:07:45.959 a bathroom or even a small kitchen, and they can 167 00:07:46.079 --> 00:07:48.639 have it and we uh we just charge labor for it. 168 00:07:48.800 --> 00:07:50.720 Just the fabrication. Don't pay for it. 169 00:07:50.759 --> 00:07:53.839 That's incredible exactly, and even the tear out halloways for you. 170 00:07:53.920 --> 00:07:56.240 So so I've said that before. You know, you get 171 00:07:56.279 --> 00:07:59.480 wholesale on materials, but if you get something from the 172 00:08:00.199 --> 00:08:04.519 from the remnant yard, it's basically uh for free of charge. 173 00:08:04.560 --> 00:08:08.399 And I want to ask you something a little outside 174 00:08:08.399 --> 00:08:11.000 of granted, when did you come to this country? 175 00:08:11.040 --> 00:08:11.240 Man? 176 00:08:11.839 --> 00:08:13.560 Two thousand and three, twenty one? 177 00:08:13.639 --> 00:08:15.639 You're from where? I mean, I know the answer right now. 178 00:08:15.759 --> 00:08:16.600 I'm from Romania? 179 00:08:17.079 --> 00:08:19.680 And what growing up in Romania? I mean, at what 180 00:08:19.759 --> 00:08:21.480 point did you say, hey, I want to come to 181 00:08:21.519 --> 00:08:24.240 the US? I mean, is that something when you're born there? 182 00:08:24.279 --> 00:08:26.399 The average person, they want to get here. 183 00:08:27.639 --> 00:08:31.399 Yeah, So everybody knows of the American dream, even if 184 00:08:31.399 --> 00:08:34.440 they're outside of America, and everybody looks up to America 185 00:08:34.679 --> 00:08:36.840 and and and you know a lot of people want 186 00:08:36.840 --> 00:08:39.159 to come out here and see how it is, and 187 00:08:39.159 --> 00:08:40.679 and if they like it, then you know a lot 188 00:08:40.720 --> 00:08:43.399 of them want to, uh want to migrate here and 189 00:08:43.399 --> 00:08:45.679 and start a life and a family. And that's that's 190 00:08:45.720 --> 00:08:48.279 exactly what I did. I was I was twenty three, 191 00:08:48.320 --> 00:08:51.159 I was in college and and uh I applied and 192 00:08:51.159 --> 00:08:53.320 got a visa and and and I came out here. 193 00:08:53.320 --> 00:08:54.919 I worked for several months. I liked it. 194 00:08:54.960 --> 00:08:56.480 And you didn't sneak over the border. 195 00:08:56.600 --> 00:08:58.879 Did not steak okay, you know. 196 00:08:59.039 --> 00:09:01.279 Sir, Okay. 197 00:09:01.759 --> 00:09:06.759 Bottom line is if you have a problem, question or complaint, 198 00:09:06.960 --> 00:09:09.799 we want to take the call three oh three seven 199 00:09:10.000 --> 00:09:12.799 one three talk three oh three seven one three eight 200 00:09:12.840 --> 00:09:15.519 two five five and we have a lot to talk 201 00:09:15.559 --> 00:09:16.080 about today. 202 00:09:16.480 --> 00:09:18.759 This hour brought to you by Waterpros. 203 00:09:19.000 --> 00:09:21.679 Dot net for the best water systems, the lowest prices. 204 00:09:21.720 --> 00:09:22.919 I say it, and I truly mean it. 205 00:09:22.960 --> 00:09:25.879 You're never going to touch the price for both water 206 00:09:26.120 --> 00:09:31.480 softener and at your kitchen sink triple filter reverse osmosis, 207 00:09:31.480 --> 00:09:35.000 both systems for just thirty one ninety five. 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That's the 224 00:10:26.320 --> 00:10:29.440 iHeart short code, or anytime twenty four to seven you 225 00:10:29.480 --> 00:10:32.879 can text me at my private Google number goes right 226 00:10:33.000 --> 00:10:36.240 to my cell phone, and that is both for the 227 00:10:36.320 --> 00:10:39.960 show or for Wave eight Wealth Management. You can text 228 00:10:40.000 --> 00:10:43.120 me directly for questions on your investments, and that is 229 00:10:43.159 --> 00:10:46.559 seven four seven nine nine nine fifty two eighty seven 230 00:10:46.600 --> 00:10:52.080 four seven nine nine nine fifty two eighty All right, So, uh, 231 00:10:52.200 --> 00:10:56.200 I had instructions from the wife, from your wife, do 232 00:10:56.320 --> 00:10:57.720 not use that picture of Mark. 233 00:10:58.279 --> 00:10:59.840 So I didn't, So I got a new one. 234 00:10:59.840 --> 00:11:02.240 I'm gonna pull up so when Mark's talking until we 235 00:11:02.240 --> 00:11:04.000 get the video up and running in the studio. 236 00:11:04.039 --> 00:11:04.519 There you go. 237 00:11:04.600 --> 00:11:06.519 You like that better, suits, You'll see it in a 238 00:11:06.519 --> 00:11:09.240 few seconds on YouTube three oh three seven one three 239 00:11:09.240 --> 00:11:13.679 eight two five five. Bob's got a question on mortgages. Hello, Bob, 240 00:11:13.720 --> 00:11:15.720 and welcome to the show. I'm Tom Martinez. 241 00:11:15.720 --> 00:11:18.360 What's going on, Bob? 242 00:11:18.080 --> 00:11:23.240 Tom? Mike newly mentioned son Ala owns a house with 243 00:11:23.440 --> 00:11:26.840 his brother. He watched the buy his brother and Al 244 00:11:28.039 --> 00:11:30.679 they got married, talked to the bank, went on their 245 00:11:30.720 --> 00:11:34.039 honeymoon and they expected to be every bank, everything beyond 246 00:11:34.080 --> 00:11:36.279 the door. They got back to the bank told them 247 00:11:36.279 --> 00:11:39.159 that you talked your mother off the mortgage and that 248 00:11:39.320 --> 00:11:41.000 you're awaie, you need to rEFInd you. 249 00:11:41.799 --> 00:11:43.840 Okay, let me get it straight now, Bob. 250 00:11:43.879 --> 00:11:46.519 The current mortgage is he and his brother, and he 251 00:11:46.639 --> 00:11:49.320 wants to make it he and his wife. 252 00:11:49.679 --> 00:11:51.320 Yeah, yeah, you got to refight. 253 00:11:52.039 --> 00:11:57.039 Yeah, you can't substitute lenders, but I mean borrowers. What 254 00:11:57.080 --> 00:12:00.720 you have to do is get them qualified and or 255 00:12:00.840 --> 00:12:03.840 or not. If he qualifies alone, if he needed that 256 00:12:04.080 --> 00:12:06.960 other guy for the qualification, then the Newland borrower has 257 00:12:07.000 --> 00:12:09.879 to get qualified. But yeah, you would. What is their 258 00:12:09.919 --> 00:12:11.039 interest rate right now? 259 00:12:12.759 --> 00:12:13.919 All it's real low. 260 00:12:14.759 --> 00:12:16.159 It's like a three D tom. 261 00:12:16.200 --> 00:12:18.399 I just thought of something though, because it was two 262 00:12:18.480 --> 00:12:19.559 brothers or whatever. 263 00:12:19.600 --> 00:12:20.279 He just said. 264 00:12:20.360 --> 00:12:22.600 I can barely hear you, by the way, guy, But 265 00:12:23.000 --> 00:12:25.399 I wonder if it is tenants in common, you would 266 00:12:25.440 --> 00:12:29.320 assume a married couple. But maybe, just maybe he does 267 00:12:29.360 --> 00:12:32.159 have the ability just to sell half that house. 268 00:12:33.600 --> 00:12:36.960 Yeah, but hold on, duan sale comes in with the mortgage. 269 00:12:37.440 --> 00:12:41.080 But but I'm wondering, do you know how it's held, Bob? 270 00:12:41.159 --> 00:12:43.240 How the son in law is holding that home as 271 00:12:43.279 --> 00:12:48.759 far is the brother on the title, hes the brothers. 272 00:12:48.440 --> 00:12:53.679 On the title and the mortgage joint tenancy. We couldn't 273 00:12:53.679 --> 00:12:54.840 he just drop his father? 274 00:12:56.399 --> 00:12:57.320 No he can't. 275 00:12:57.399 --> 00:12:59.799 Well, he can drop his brother if they both agree, 276 00:13:00.440 --> 00:13:03.440 they can drop him off the deed and quit claim 277 00:13:03.440 --> 00:13:04.519 it to he and his wife. 278 00:13:04.600 --> 00:13:07.120 Yeah, but the bank's still going to be owed. Yeah, 279 00:13:07.200 --> 00:13:07.799 that's true. 280 00:13:07.879 --> 00:13:12.600 What I'm saying is though, if the house is collateralizing 281 00:13:12.639 --> 00:13:15.559 the loan, the brother may not care unless the brother 282 00:13:16.120 --> 00:13:19.759 needs his qualification or he needs to be off the loan. 283 00:13:19.919 --> 00:13:23.480 So is the brother willing to quit claim his interest 284 00:13:23.559 --> 00:13:26.120 to the home and stay on the loan, or does 285 00:13:26.120 --> 00:13:29.200 he need to get off the loan for other reasons. 286 00:13:30.039 --> 00:13:32.120 He wants to get off the loan because he got 287 00:13:32.120 --> 00:13:33.960 married a couple of years ago and him and his 288 00:13:34.000 --> 00:13:36.960 wife purchased a condo, So that's cleaner. 289 00:13:37.039 --> 00:13:39.960 I get it. That's cleaner. Then he's gonna have to refly. 290 00:13:40.080 --> 00:13:42.519 There's no there's really no way around. 291 00:13:42.559 --> 00:13:45.399 Can name simply not qualify on the REFI? Or they 292 00:13:45.440 --> 00:13:46.399 don't want to get out. 293 00:13:46.240 --> 00:13:47.639 Of a well, they don't want to get out of 294 00:13:47.639 --> 00:13:49.360 their low rate mark, They don't want to get out 295 00:13:49.360 --> 00:13:50.279 of that low rate man. 296 00:13:50.320 --> 00:13:52.519 Well, then you go with someone like Ideal. It's got 297 00:13:52.559 --> 00:13:55.480 a rate guarantee and they'll refire for free. 298 00:13:55.919 --> 00:14:00.679 That's true now Ideal Home Loans three three eight sixty 299 00:14:00.679 --> 00:14:03.399 seven seven thousand, Ideal home loans dot Com. What they 300 00:14:03.440 --> 00:14:07.440 will do is refy him. And when rates go down, 301 00:14:07.960 --> 00:14:11.600 even by three quarters of a percent or more, they 302 00:14:11.639 --> 00:14:15.679 refy you free of charge. So you can keep ratcheting 303 00:14:15.799 --> 00:14:18.799 down if you want, if the rates go down. 304 00:14:18.840 --> 00:14:21.440 But you're not going to just start out low. You're 305 00:14:21.480 --> 00:14:22.440 just not going. 306 00:14:22.200 --> 00:14:26.159 To Yeah, I know, it's just kind of a quandaryform 307 00:14:26.240 --> 00:14:28.720 because of the brother that he has the condo. They 308 00:14:28.799 --> 00:14:30.720 just had a baby, they want to get a bigger condo. 309 00:14:30.799 --> 00:14:33.679 He wants to keep a person on the rental. Wow, 310 00:14:34.679 --> 00:14:36.320 it's all these tech. 311 00:14:36.200 --> 00:14:37.399 People with money. 312 00:14:37.720 --> 00:14:41.879 Yeah, you know, you know, listen, it really is good 313 00:14:41.919 --> 00:14:45.279 that you're talking about this because there's two situations that 314 00:14:45.320 --> 00:14:48.159 are really bad. Being on a title and not on 315 00:14:48.200 --> 00:14:50.639 the loan, and being on the loan and not on 316 00:14:50.679 --> 00:14:52.919 the title, and both of that would happen if you 317 00:14:52.960 --> 00:14:54.519 did the transferring. 318 00:14:53.919 --> 00:14:57.159 With quick claims well and the person quit claiming, it 319 00:14:57.240 --> 00:14:59.279 would no offense to whoever it is. 320 00:14:59.399 --> 00:15:03.000 I mean, how ironic would that be? You own nothing, but. 321 00:15:03.039 --> 00:15:05.720 You have to you're the collateral for the deck. Get 322 00:15:05.759 --> 00:15:06.440 the hell out of here. 323 00:15:06.759 --> 00:15:09.200 Yeah, well, the house is first collateral, but then you 324 00:15:09.200 --> 00:15:10.039 would be second. 325 00:15:10.360 --> 00:15:11.799 You would be second collateral. 326 00:15:12.080 --> 00:15:15.679 Plus it ties up your eligibility for other loans. That's 327 00:15:15.720 --> 00:15:20.159 the real rub as well. But he's gonna have to 328 00:15:20.200 --> 00:15:20.519 do that. 329 00:15:21.279 --> 00:15:21.679 I don't. 330 00:15:21.799 --> 00:15:24.399 I mean, I don't know why they wouldn't substitute. 331 00:15:24.480 --> 00:15:25.200 Did they that? 332 00:15:25.399 --> 00:15:27.679 Because they don't like having the low interests out there? 333 00:15:28.320 --> 00:15:29.240 Who's the lender? 334 00:15:31.039 --> 00:15:32.639 I don't know who the lender is. I was just 335 00:15:32.679 --> 00:15:34.960 you have told me the situation, and I knew you 336 00:15:35.000 --> 00:15:35.639 guys would. 337 00:15:35.480 --> 00:15:38.840 Be I'm just wondering if they approached the lender. 338 00:15:40.159 --> 00:15:46.200 And ask, did they actually ask, can we substitute borrowers 339 00:15:46.639 --> 00:15:48.480 if the borrower qualified? 340 00:15:48.559 --> 00:15:50.559 I've never heard of that ever happening. 341 00:15:50.720 --> 00:15:54.759 Well, actually, i've heard of it happening in the old days. 342 00:15:54.919 --> 00:15:58.440 I don't think it'll happen now because there are no assumptions, 343 00:15:58.480 --> 00:16:01.799 but I'm one if they would do it. 344 00:16:01.879 --> 00:16:04.840 I'm not saying they have to if she couldn't qualify. 345 00:16:05.440 --> 00:16:07.960 Do you think she could qualify now to buy that house. 346 00:16:10.519 --> 00:16:13.320 Yeah, okay, could. 347 00:16:13.120 --> 00:16:15.600 We ask Brent Ivans and can we try to get 348 00:16:15.679 --> 00:16:16.919 him on the air and just. 349 00:16:17.679 --> 00:16:22.000 Let's just ask him a question real quick and see. Okay, Richard, 350 00:16:22.960 --> 00:16:24.159 what if I was. 351 00:16:24.039 --> 00:16:26.000 A lender, the first thing I would think if you 352 00:16:26.120 --> 00:16:29.240 called me up and said, hey, can we swap The 353 00:16:29.279 --> 00:16:31.679 first thing I would think is absolutely no, and I'd 354 00:16:31.679 --> 00:16:34.000 hang up on you. But then if I actually thought 355 00:16:34.039 --> 00:16:37.120 about it, I would think that you guys were planning something. 356 00:16:37.360 --> 00:16:39.120 In other words, you were trying to put me on 357 00:16:39.159 --> 00:16:42.000 the hook for something. I can't imagine a lender ever 358 00:16:42.080 --> 00:16:42.519 doing it. 359 00:16:44.840 --> 00:16:47.159 Well, here's the only time I can see a lender 360 00:16:47.200 --> 00:16:50.120 doing it. No matter what. When they placed that loan, 361 00:16:50.120 --> 00:16:51.200 they're making money on it. 362 00:16:51.279 --> 00:16:55.080 Okay, if they think they're going to refly with them, 363 00:16:55.600 --> 00:16:57.559 then they would want them to refly at a higher 364 00:16:57.639 --> 00:17:00.519 rate and make more money, but or or make a 365 00:17:00.559 --> 00:17:02.759 new loan. But if they know they're going to lose 366 00:17:02.799 --> 00:17:05.799 the business, what you know, I would want to keep it, 367 00:17:06.279 --> 00:17:08.279 even if I'm not making as much as I can 368 00:17:08.279 --> 00:17:09.000 on current rates. 369 00:17:09.079 --> 00:17:11.200 Well, just think of the points and the closing cost 370 00:17:11.319 --> 00:17:11.640 on it. 371 00:17:11.720 --> 00:17:15.000 I mean, even if they did swap them out, just 372 00:17:15.079 --> 00:17:18.279 the paperwork and stuff could cost thousands of dollars to 373 00:17:18.319 --> 00:17:20.799 get done. It would be almost like it would be 374 00:17:20.920 --> 00:17:23.799 closing again. The interest rate would go up. It would 375 00:17:23.799 --> 00:17:26.160 be a no loan. I've never heard of someone just 376 00:17:26.200 --> 00:17:29.240 going we'll take Mark off and put Tom on that loan. 377 00:17:29.279 --> 00:17:29.880 No problem. 378 00:17:30.640 --> 00:17:32.920 Well, like I said, in the old days, they did 379 00:17:32.920 --> 00:17:35.440 it all the time. I don't know if they would 380 00:17:35.480 --> 00:17:37.799 do it now. What I was at. What I was 381 00:17:37.839 --> 00:17:40.680 saying is try it. See what they say about it. 382 00:17:41.319 --> 00:17:44.160 You know, I don't know. I yeah, we'll see what 383 00:17:44.240 --> 00:17:46.519 Bred's said. The worst they can say is no, right, 384 00:17:47.079 --> 00:17:49.799 all right, we put a message into ideal. We'll try 385 00:17:49.799 --> 00:17:52.720 to get an answer for you. Keep listening, okay, and 386 00:17:52.759 --> 00:17:55.799 we'll just ask the question. Three oh three seven one 387 00:17:55.920 --> 00:17:59.160 three tonks seven one three eight two five five Frank 388 00:17:59.240 --> 00:18:03.799 durand the Realists date Man is available to do market 389 00:18:03.880 --> 00:18:06.240 valuations for your home for the asking. So if you 390 00:18:06.279 --> 00:18:08.559 want to know what your house is worth, or what 391 00:18:08.599 --> 00:18:10.640 it will self for, what you will net, what you 392 00:18:10.680 --> 00:18:14.240 can buy any of this information before listing, Frank will 393 00:18:14.279 --> 00:18:16.000 gladly do it with no obligation. 394 00:18:16.200 --> 00:18:17.759 And it's an in depth review. 395 00:18:18.240 --> 00:18:21.720 Three oh three nine two zero sixteen twenty two Frankedrande 396 00:18:21.759 --> 00:18:29.400 real Estateman dot com. Go with a sure thing Denver's 397 00:18:29.440 --> 00:18:31.759 best roofer Excel Roofing dot com. 398 00:18:31.799 --> 00:18:33.799 You don't pay a cent until you're content. 399 00:18:37.160 --> 00:18:40.359 Time for an insurance check up free, no obligation comparison 400 00:18:40.480 --> 00:18:44.039 call Compass Insurance. Paying too much your coverage at dozens 401 00:18:44.079 --> 00:18:46.799 of insurance companies find out now three oh three seven 402 00:18:46.799 --> 00:18:47.400 to seven to one. 403 00:18:47.480 --> 00:18:47.759 Help. 404 00:18:47.920 --> 00:18:50.559 You'll think you're his only customer when you choose Frank 405 00:18:50.599 --> 00:18:53.359 durand the real Estateman dot com to list your home 406 00:18:53.599 --> 00:18:56.720 with Remax Alliance. Three oh three nine two zero sixteen 407 00:18:56.799 --> 00:19:03.119 twenty two. Hi Tom Martine, you're a troubleshooter. Three oh 408 00:19:03.160 --> 00:19:06.319 three seven one three talk three all three seven one 409 00:19:06.359 --> 00:19:07.680 three eight two five five. 410 00:19:07.759 --> 00:19:08.519 Welcome to the show. 411 00:19:08.559 --> 00:19:14.160 Okay, let's talk to you about problems, questions and complaints. Now, 412 00:19:16.400 --> 00:19:21.839 Richard wants to talk about a trash service. Go ahead, 413 00:19:22.279 --> 00:19:22.920 what's going on? 414 00:19:23.000 --> 00:19:23.240 Bridge? 415 00:19:23.319 --> 00:19:25.039 Yeah, that's that's right. 416 00:19:25.079 --> 00:19:25.759 How are you, sir? 417 00:19:25.920 --> 00:19:28.759 I'm doing good man? What's happening? Good good? 418 00:19:29.039 --> 00:19:31.640 I'd like to talk to you about my trash company 419 00:19:31.680 --> 00:19:35.960 is called Waste Connections of Colorado. I called him last 420 00:19:35.960 --> 00:19:41.240 week and canceled my service and the guy was really 421 00:19:41.279 --> 00:19:44.559 good about it. No problems there. He canceled my services 422 00:19:44.599 --> 00:19:45.440 of November. 423 00:19:45.559 --> 00:19:46.000 First. 424 00:19:47.640 --> 00:19:50.160 He asked me why I was canceling, and I said, 425 00:19:50.200 --> 00:19:52.200 I was going to be going a different route, I 426 00:19:52.200 --> 00:19:55.599 mean a different company. Yeah, he said, no problem. He 427 00:19:55.720 --> 00:19:59.200 said there is a thirty two dollars cancelation fee. 428 00:19:59.440 --> 00:20:00.720 Did you ever I agree to that? 429 00:20:01.960 --> 00:20:02.119 Oh? 430 00:20:02.119 --> 00:20:03.880 Well, that's why I asked to him. I said, well, 431 00:20:03.880 --> 00:20:06.920 wait a minute. I said, to start with a monthly 432 00:20:07.000 --> 00:20:10.279 trash service is only thirty four dollars in change, and 433 00:20:10.319 --> 00:20:12.880 you want to charge me thirty two dollars to cancel. 434 00:20:13.359 --> 00:20:16.559 I've been with you for many, many, many years. 435 00:20:16.640 --> 00:20:17.279 I told him. 436 00:20:17.319 --> 00:20:20.440 I said, send me a copy that I agreed to. 437 00:20:21.000 --> 00:20:25.319 URMs like exactly, that's exactly right, yeah, and he and 438 00:20:25.400 --> 00:20:28.279 his answer was, well, we don't keep records that far back. 439 00:20:28.359 --> 00:20:31.799 Well, then don't worry about practice. Tell him the pound sand. 440 00:20:33.240 --> 00:20:35.039 That was my thought, you know. 441 00:20:35.319 --> 00:20:37.880 So he says, well, we'll be sending you a bill, 442 00:20:38.240 --> 00:20:39.279 and I said, well you go. 443 00:20:39.440 --> 00:20:42.599 Yeah, good, and don't pay it exactly, And don't pay 444 00:20:42.640 --> 00:20:45.400 it and when he comes after you, you'd say, where 445 00:20:45.440 --> 00:20:47.000 where's the Where did I agree to it? 446 00:20:46.960 --> 00:20:51.160 They'd never come after him because they have nothing exactly. 447 00:20:51.559 --> 00:20:52.480 That was my thoughts. 448 00:20:52.680 --> 00:20:54.359 Yeah, that's it, man, They're not going to take you 449 00:20:54.400 --> 00:20:56.319 over to court when they have nothing for. 450 00:20:56.319 --> 00:20:57.599 Thirty two bucks. 451 00:20:57.839 --> 00:20:59.799 And if they put it on your credit, they're opening 452 00:20:59.880 --> 00:21:02.880 up a real, a real problem for themselves. 453 00:21:03.960 --> 00:21:04.200 Yeah. 454 00:21:04.559 --> 00:21:07.240 People just do that kind of crap automatically. 455 00:21:07.720 --> 00:21:08.759 It's just crap. 456 00:21:08.839 --> 00:21:10.640 You know what you should do is send them a bill, 457 00:21:10.759 --> 00:21:13.079 just make something up, send them a bill for being 458 00:21:13.200 --> 00:21:14.880 jerks thirty five bucks. 459 00:21:17.119 --> 00:21:18.480 Yeah, you say, hey. 460 00:21:18.559 --> 00:21:22.799 Boy, I want a consideration of of of dealing with 461 00:21:22.880 --> 00:21:25.119 your with your thirty two dollars. 462 00:21:25.119 --> 00:21:27.599 You know, but I love the way companies try. I 463 00:21:27.640 --> 00:21:30.119 love the way companies try to do this crap. 464 00:21:30.319 --> 00:21:30.839 You know that. 465 00:21:31.079 --> 00:21:35.119 It's just so amazing to me. Well, listen, just do 466 00:21:35.319 --> 00:21:37.400 you know that's what I would do, Richard? Thank you 467 00:21:37.400 --> 00:21:39.279 for calling three or three seven one three talks seven 468 00:21:39.319 --> 00:21:42.000 one three eight two five five. Now John is wants 469 00:21:42.000 --> 00:21:43.559 to talk about buying a house from a trust. 470 00:21:43.559 --> 00:21:48.200 Go ahead, John, how are you doing, sir good Man? Now? 471 00:21:48.319 --> 00:21:52.480 Is this a trust? An irrevocable or evocable trust? 472 00:21:53.319 --> 00:21:57.519 And it's before or after death of the of the originator? 473 00:21:58.720 --> 00:22:01.039 After death, so I guess it's irrevocable. 474 00:22:01.119 --> 00:22:04.559 Now well, yeah, okay, so the guy died or the 475 00:22:04.599 --> 00:22:07.480 woman died? The houses in the trust? Are there other 476 00:22:07.640 --> 00:22:09.039 assets in the trust? 477 00:22:10.759 --> 00:22:12.960 Just a couple of bank accounts right now? 478 00:22:13.559 --> 00:22:15.359 And the house which is in And who. 479 00:22:15.319 --> 00:22:18.880 Are the beneficiaries? Who are the beneficiaries of the trust. 480 00:22:19.960 --> 00:22:22.839 You'll be myself and five of my siblings. 481 00:22:23.160 --> 00:22:25.960 They are the beneficiaries named in the will and the 482 00:22:26.000 --> 00:22:29.359 trust right or in one or the Okay, now who 483 00:22:29.519 --> 00:22:30.559 is the trustee? 484 00:22:32.000 --> 00:22:32.799 That's me? 485 00:22:33.440 --> 00:22:38.720 Okay, now you can now, now you can. Normally, anything 486 00:22:38.759 --> 00:22:43.519 in the trust is equally owned by the beneficiaries unless 487 00:22:43.680 --> 00:22:48.680 otherwise named and otherwise apportioned. So if it is owned 488 00:22:48.680 --> 00:22:50.960 by all of you, you simply can buy it with 489 00:22:51.039 --> 00:22:51.759 their approval. 490 00:22:53.039 --> 00:22:56.279 Okay, So I need to do it. I understand that 491 00:22:56.319 --> 00:22:58.920 I have my brothers and sisters on board with the 492 00:22:58.920 --> 00:23:01.839 purchase price. Yes, do I need to do a quick 493 00:23:01.880 --> 00:23:02.480 claim deed? 494 00:23:02.599 --> 00:23:04.759 Or no? No? No, no, no quit claim? 495 00:23:04.920 --> 00:23:09.079 See quick claim deeds are so misunderstood they should almost 496 00:23:09.279 --> 00:23:12.799 never be used. Okay, But but what you do is 497 00:23:12.880 --> 00:23:16.759 you literally buy it from the trust for a predesignated 498 00:23:16.880 --> 00:23:19.559 price that you all agree on, and that's it. 499 00:23:19.640 --> 00:23:22.079 Then it becomes yours now as far. 500 00:23:21.960 --> 00:23:25.759 As the basis goes, the trust in the trust has 501 00:23:26.039 --> 00:23:30.759 a stepped up basis at death, so that basis is 502 00:23:31.279 --> 00:23:32.599 what it was it was. 503 00:23:32.559 --> 00:23:33.559 At the time of death. 504 00:23:33.759 --> 00:23:36.839 So if you purchase it for that amount you will 505 00:23:36.920 --> 00:23:40.920 have you will have hardly any gain of your reseller. 506 00:23:40.960 --> 00:23:42.519 Are you going to keep it to live in or 507 00:23:42.559 --> 00:23:44.799 are you going to sell it again? 508 00:23:44.920 --> 00:23:45.599 What are you going to do? 509 00:23:46.119 --> 00:23:48.039 No, I'll keep it to live in. I'll sell the 510 00:23:48.079 --> 00:23:51.839 house I'm presently presently living in, Okay, and then pay 511 00:23:51.920 --> 00:23:54.920 my siblings from those proceeds. 512 00:23:55.240 --> 00:23:58.359 Okay. And you're you're you arrived at a price right. 513 00:23:58.240 --> 00:24:02.160 And it's not artificially low okay, okay, because. 514 00:24:02.079 --> 00:24:04.519 You know it's low knowing the problem. It's low knowing 515 00:24:04.519 --> 00:24:06.279 the problems of the house, such as you know what 516 00:24:06.359 --> 00:24:07.079 needs to be reach Yeah. 517 00:24:07.160 --> 00:24:11.000 Yeah, but if if it's if it's substantially okay, you 518 00:24:11.039 --> 00:24:14.599 inherited the present day value. But if sometimes of people, 519 00:24:15.160 --> 00:24:18.960 if it suddenly went up in price and people purposely 520 00:24:19.359 --> 00:24:22.799 sell it for less uh to a sibling to get 521 00:24:23.200 --> 00:24:26.200 so there's no capital gains to the trust, that could 522 00:24:26.279 --> 00:24:26.960 run a problem. 523 00:24:27.119 --> 00:24:29.000 But right now there's not going to be a problem 524 00:24:29.000 --> 00:24:31.039 with what you're doing. Now, you have to have a 525 00:24:31.119 --> 00:24:33.599 real closing and and really do it. 526 00:24:33.680 --> 00:24:36.720 Okay, you don't need you don't need a lot of complications, 527 00:24:36.759 --> 00:24:39.880 but you should have someone handle it for you. You 528 00:24:39.920 --> 00:24:42.720 can have a transaction broker actually handle it for you, 529 00:24:42.799 --> 00:24:45.000 like Frank Randa, the real estate man. He can act 530 00:24:45.000 --> 00:24:48.200 as a transaction broker. Or you can go to real 531 00:24:48.279 --> 00:24:53.079 estate attorney like ols Law O'Brien Legal Services, our real 532 00:24:53.160 --> 00:24:56.200 estate attorney in the studio, she's there. Let's I'm gonna 533 00:24:56.240 --> 00:24:59.119 tap you, Susan. You don't get to sit there for nothing. 534 00:25:00.240 --> 00:25:04.079 What do you think, Susan, we're talking correct, right, I 535 00:25:04.119 --> 00:25:07.440 mean as far as it's a real estate transaction, right. 536 00:25:07.279 --> 00:25:08.559 That's correct, that's correct. 537 00:25:08.559 --> 00:25:11.440 And I agree that they need a third party involved 538 00:25:11.519 --> 00:25:12.920 to help them work through. 539 00:25:13.240 --> 00:25:13.559 Yeah. 540 00:25:13.720 --> 00:25:16.519 And it can't be art it can't be artificially low 541 00:25:16.640 --> 00:25:19.480 to avoid taxes for the trust or for the right. 542 00:25:19.920 --> 00:25:20.079 Right. 543 00:25:20.599 --> 00:25:23.640 Yeah, So I think you're I think since you when. 544 00:25:23.480 --> 00:25:25.640 Did the uh when did the person die? 545 00:25:27.079 --> 00:25:27.920 Over a year ago? 546 00:25:28.279 --> 00:25:30.279 And okay, so there there. 547 00:25:30.240 --> 00:25:32.759 Might be some gain, but but you don't have to 548 00:25:33.000 --> 00:25:36.400 You don't necessarily have to pay exactly what the market 549 00:25:36.519 --> 00:25:38.680 value is. If you know of problems in the house, 550 00:25:38.920 --> 00:25:41.599 but you're going to probably have not much of a 551 00:25:41.720 --> 00:25:44.960 gain anyway, because it last year and this year, there's 552 00:25:45.000 --> 00:25:47.359 probably not that much difference in the value of the 553 00:25:47.359 --> 00:25:50.359 home and and the home because it was in a 554 00:25:50.400 --> 00:25:52.960 trust and it was passed on to the trust gets 555 00:25:53.000 --> 00:25:57.519 the new stepped up basis, so you know, get somebody. 556 00:25:57.240 --> 00:26:01.680 Who knows what they're doing, okay and that, but it's 557 00:26:01.759 --> 00:26:04.079 not that complicated at all. 558 00:26:05.640 --> 00:26:08.559 So for budgeting purposes, a couple thousand dollars or so 559 00:26:08.680 --> 00:26:10.839 for a translaction like that, I. 560 00:26:10.880 --> 00:26:13.039 Don't actually know, but now you know what. 561 00:26:14.279 --> 00:26:18.519 See in Colorado, real estate brokers have what's called a 562 00:26:18.599 --> 00:26:22.000 limited practice of law when it comes to transactional business 563 00:26:22.279 --> 00:26:26.200 regarding real estate. Okay, they're not lawyers, but they literally 564 00:26:26.319 --> 00:26:30.640 can advise you on certain transactions. So if you can 565 00:26:30.680 --> 00:26:33.119 find a real estate person like Frank Duran, if he 566 00:26:33.200 --> 00:26:35.880 wants to do it and feels comfortable. 567 00:26:35.519 --> 00:26:38.759 Then he can help you. A good title company can 568 00:26:38.839 --> 00:26:41.680 help you. They are all qualified to help you. 569 00:26:42.160 --> 00:26:47.039 However, if you want, there's nothing wrong with consulting a 570 00:26:47.079 --> 00:26:50.160 real estate attorney as well as in o LS law 571 00:26:50.200 --> 00:26:50.799 dot com. 572 00:26:51.279 --> 00:26:54.759 I mean, you could call and ask what will that cost? 573 00:26:54.759 --> 00:26:57.880 Do you think for me to buy an uncontested purchase 574 00:26:57.960 --> 00:27:01.759 from a trust, just ask for an estimate on how 575 00:27:01.759 --> 00:27:02.759 many hours would. 576 00:27:02.599 --> 00:27:04.880 It take and then you go the route you want. 577 00:27:04.920 --> 00:27:08.119 A transaction broker is going to charge a small commission. 578 00:27:08.839 --> 00:27:10.880 It's not the same as if you listed the house 579 00:27:11.200 --> 00:27:14.480 and an attorney's going to charge something. Your title fees 580 00:27:14.480 --> 00:27:16.720 will be the same no matter who you use. So 581 00:27:16.759 --> 00:27:18.640 that's what they're going to be a fixed amount, So 582 00:27:18.880 --> 00:27:22.359 just call and get some estimates. I've always believed that 583 00:27:22.440 --> 00:27:24.880 attorneys should be willing to give an estimate of their 584 00:27:24.920 --> 00:27:29.559 time and energy for a transaction. I mean, Susan, you 585 00:27:29.599 --> 00:27:32.039 don't find that an unusual question. When you were you 586 00:27:32.039 --> 00:27:34.559 were in private I don't know if you're not really 587 00:27:34.599 --> 00:27:36.279 in private practice right now, right. 588 00:27:36.240 --> 00:27:38.079 No, I'm actually retired and I wasn't. 589 00:27:38.160 --> 00:27:40.799 But if you were in private practice, did you used 590 00:27:40.839 --> 00:27:42.480 to give an estimate of what it might take? 591 00:27:43.720 --> 00:27:47.319 Yes? Absolutely. People need to know going in what their 592 00:27:47.920 --> 00:27:49.480 top line is. Yeah. 593 00:27:49.680 --> 00:27:52.839 Yeah, So anyway, I wish you the best on that, John, 594 00:27:52.880 --> 00:27:55.400 but I think you're here on the right track and 595 00:27:55.440 --> 00:27:59.200 there's no controversy there, so you should be fine. Three 596 00:27:59.319 --> 00:28:02.839 h three seven one three, eight, two five five more 597 00:28:02.839 --> 00:28:05.960 coming up on The Troubleshooter Show and eight eight eight 598 00:28:05.960 --> 00:28:09.440 heating dot com speaking of checking your furnace before winter. 599 00:28:09.559 --> 00:28:11.519 They do a great job for forty five bucks. 600 00:28:11.559 --> 00:28:15.160 They're deep clean eight eight eight Heating dot Com and 601 00:28:15.200 --> 00:28:17.880 Garrett and his team are great people. They've been on 602 00:28:17.920 --> 00:28:20.200 a referraless more than twenty years eight eight eight heating 603 00:28:20.240 --> 00:28:27.559 dot Com. Go with a sure thing Denver's best roofer 604 00:28:27.680 --> 00:28:29.160 Excel Roofing dot com. 605 00:28:29.200 --> 00:28:31.240 You don't pay a cent until you're content. 606 00:28:34.599 --> 00:28:37.799 Time for an insurance check up free, no obligation comparison 607 00:28:37.920 --> 00:28:41.480 call Compass Insurance paying too much your coverage at dozens 608 00:28:41.480 --> 00:28:44.240 of insurance companies find out now three all three seven 609 00:28:44.319 --> 00:28:47.119 seven to one help. You'll think you're his only customer 610 00:28:47.160 --> 00:28:49.400 when you choose Frank durand the real estate Man dot 611 00:28:49.440 --> 00:28:52.759 com to list your home with Remax Alliance three all 612 00:28:52.799 --> 00:28:59.440 three nine two zero sixteen twenty two. Hi, Tom Martino, 613 00:28:59.519 --> 00:29:02.200 you're Shooter three or three seven one three talks seven 614 00:29:02.200 --> 00:29:05.319 one three eight two five five Michelle, you have a 615 00:29:05.400 --> 00:29:07.599 question for Mitch Florida the art of Granite. 616 00:29:07.680 --> 00:29:10.119 Go ahead, Michelle, Hi. 617 00:29:10.440 --> 00:29:15.119 I live down south of Colorado, Springs and wasn't sure 618 00:29:15.240 --> 00:29:18.480 if Art of Granite service down this far or if 619 00:29:18.519 --> 00:29:21.119 he had a reference for someone in the spring. 620 00:29:23.640 --> 00:29:28.119 Mitch, Michelle, thank you for calling. Yes, we go quite 621 00:29:28.160 --> 00:29:31.599 far with our services. We just need to visit your 622 00:29:31.599 --> 00:29:34.799 house twice. We'll come out and make those final templates 623 00:29:34.799 --> 00:29:36.839 and then the crew comes back several days later and 624 00:29:36.880 --> 00:29:41.880 installs everything in one day. You can send us pictures 625 00:29:42.079 --> 00:29:44.200 or just sketch out a rough layout. 626 00:29:44.279 --> 00:29:45.920 If you have any questions on how to do. 627 00:29:45.839 --> 00:29:50.119 That, just just text me the photos of your kitchen 628 00:29:50.279 --> 00:29:52.440 and then I'll guide you on how to measure. We'll 629 00:29:52.480 --> 00:29:54.240 be able to provide you a price over the phone, 630 00:29:54.240 --> 00:29:56.720 and if that works out for you, we'll schedule that, uh, 631 00:29:57.240 --> 00:29:58.440 that template appointment. 632 00:29:58.480 --> 00:30:00.759 But yes, hey Mitch, is that your general number? 633 00:30:00.759 --> 00:30:00.920 One? 634 00:30:00.960 --> 00:30:02.000 You can text. 635 00:30:02.480 --> 00:30:05.039 Yes, my cell phone number three zero three three eight 636 00:30:05.119 --> 00:30:06.960 sixty five nine one nine. 637 00:30:07.279 --> 00:30:09.559 So that's the number we give out in your commercials 638 00:30:09.599 --> 00:30:10.160 every day. 639 00:30:10.359 --> 00:30:11.839 So you actually take the call. 640 00:30:11.839 --> 00:30:15.000 Oh wow, okay three or three three eight six fifty 641 00:30:15.119 --> 00:30:15.759 nine nineteen. 642 00:30:16.799 --> 00:30:17.039 Thank you. 643 00:30:17.319 --> 00:30:20.119 Yeah, he gives he gives prices on the phone. Michelle. 644 00:30:20.279 --> 00:30:22.640 How far will you I mean she brought something up though, 645 00:30:22.640 --> 00:30:25.359 How far will you go either direction down the front range. 646 00:30:25.359 --> 00:30:27.440 Will you go to like Pueblo or where where do 647 00:30:27.480 --> 00:30:28.319 you draw that line? 648 00:30:28.359 --> 00:30:30.079 Oh, we don't like to go, you know a couple 649 00:30:30.119 --> 00:30:31.960 of times a week to Pueblo, but we will go. 650 00:30:32.079 --> 00:30:34.920 We just measured the project in Pagosa Springs. We went 651 00:30:34.960 --> 00:30:37.640 to the Black Hills in South Dakota before one. 652 00:30:37.680 --> 00:30:38.440 Oh my goodness. 653 00:30:39.440 --> 00:30:39.599 Four. 654 00:30:40.519 --> 00:30:42.920 That's usually for repeat customers, like we do a job 655 00:30:42.960 --> 00:30:44.559 for them in Denver Metro and then they have a 656 00:30:44.599 --> 00:30:47.039 second home or they move and they really want us 657 00:30:47.039 --> 00:30:49.160 to you know, be the call man to fabricate their 658 00:30:49.200 --> 00:30:50.400 kind of tops at their new location. 659 00:30:50.559 --> 00:30:51.400 That's that's how we. 660 00:30:51.359 --> 00:30:53.599 Travel from And as you said, match, if you know 661 00:30:53.680 --> 00:30:56.680 the job and you know what it's going to cost 662 00:30:56.759 --> 00:31:00.279 and you go twice, you can so you can p Dick. 663 00:31:01.480 --> 00:31:03.400 Do you ever have to go back a third time? 664 00:31:03.480 --> 00:31:05.039 Is there ever something that comes up? 665 00:31:05.400 --> 00:31:10.319 Sometimes if we install those high full backsplashes to the 666 00:31:10.400 --> 00:31:13.480 upper cabinets, will have to go you know, a second 667 00:31:13.519 --> 00:31:16.759 time for installation, but generally just just one time and 668 00:31:18.119 --> 00:31:19.599 we complete it in one day. 669 00:31:20.319 --> 00:31:24.400 And then Michelle for colors and products. 670 00:31:23.920 --> 00:31:26.720 We can you know, send you links or you can 671 00:31:26.920 --> 00:31:28.799 of course you welcome to visit here, but that's a 672 00:31:28.839 --> 00:31:29.599 far drive for you. 673 00:31:30.000 --> 00:31:33.160 Hey, Mitch, have you ever had another professional do the 674 00:31:33.240 --> 00:31:35.799 templating and send it to you or do you not 675 00:31:35.799 --> 00:31:37.160 not like that at all? 676 00:31:37.319 --> 00:31:38.160 No, we don't like that. 677 00:31:38.400 --> 00:31:41.680 Usually the rule of time we measure, we install. If 678 00:31:41.720 --> 00:31:44.519 you have a small project and you wish to, you know, 679 00:31:44.599 --> 00:31:46.759 provide your own measurements, you'd have to pick up that 680 00:31:46.799 --> 00:31:48.559 piece and install it yourself. 681 00:31:48.519 --> 00:31:48.839 All right. 682 00:31:48.880 --> 00:31:51.960 By the way, I do have I do have a 683 00:31:52.079 --> 00:31:56.240 text here on my Google line and it says, just 684 00:31:56.319 --> 00:31:59.319 wanted to say that I know Mitch Florida, the whole 685 00:31:59.359 --> 00:32:04.880 family per personally. They are great people, genuine uh yeah, 686 00:32:05.079 --> 00:32:07.440 just good people. So anyway, even nicer in person than 687 00:32:07.480 --> 00:32:09.279 he sounds on the misunds like a plant. 688 00:32:10.119 --> 00:32:12.720 Well, did mitcha have him call in? What do you think? 689 00:32:12.799 --> 00:32:13.720 I don't know what that is? 690 00:32:14.799 --> 00:32:17.279 But now very much for this one guy also, And 691 00:32:17.319 --> 00:32:20.680 then when one guy said, why didn't couldn't those brothers 692 00:32:20.720 --> 00:32:23.960 get in assumbob alone? Well, there are no more assumable 693 00:32:24.000 --> 00:32:26.400 loans as I understand it, and they would have had 694 00:32:26.440 --> 00:32:28.279 to have one in place for that wife to be 695 00:32:28.920 --> 00:32:30.839 to be able to assume it. And what would have 696 00:32:30.839 --> 00:32:33.920 happened is the husband and wife would have purchased it 697 00:32:33.960 --> 00:32:34.720 from the brother. 698 00:32:34.920 --> 00:32:36.000 From the husband and brother. 699 00:32:36.440 --> 00:32:39.599 But that's why we're waiting for our mortgage experts to 700 00:32:39.599 --> 00:32:44.519 find out. I don't believe there are assumable loans any longer, 701 00:32:45.440 --> 00:32:49.279 and they're usually due on sale. Three oh three seven 702 00:32:49.400 --> 00:32:51.240 one three talkers and our number. We'll get right to 703 00:32:51.279 --> 00:32:54.119 all of your calls. Three oh three seven one three 704 00:32:54.160 --> 00:32:57.039 A two five five or three oh three Martino. That's 705 00:32:57.079 --> 00:33:00.759 three oh three six two seven eight four six six. 706 00:33:00.839 --> 00:33:16.319 We have more coming up on the Troubleshooter Show. Go 707 00:33:16.400 --> 00:33:20.119 with a sure thing Denver's Best roofer Excel Roofing dot com. 708 00:33:20.160 --> 00:33:22.160 You don't pay a cent until you're content. 709 00:33:25.559 --> 00:33:28.759 Time for an insurance check up free no obligation comparison 710 00:33:28.880 --> 00:33:32.440 call Compass Insurance paying too much your coverage at dozens 711 00:33:32.440 --> 00:33:35.200 of insurance companies find out now three oh three seven 712 00:33:35.279 --> 00:33:38.079 seven to one help. You'll think you're his only customer 713 00:33:38.119 --> 00:33:40.359 when you choose Frank durand the real estate Man dot 714 00:33:40.400 --> 00:33:43.720 com to list your home with Remax Alliance three oh 715 00:33:43.759 --> 00:33:45.839 three nine two zero sixteen twenty. 716 00:33:45.519 --> 00:33:56.680 Two Rittle advice so you don't have. 717 00:34:01.000 --> 00:34:03.799 Cam Shooter's gonna help. 718 00:34:04.119 --> 00:34:06.880 Come man, this is. 719 00:34:06.839 --> 00:34:08.159 The Troubleshooter Show. 720 00:34:08.800 --> 00:34:14.480 No Tom Martine, Hi Tom Martino. You're Troubleshooter. Three oh 721 00:34:14.559 --> 00:34:17.079 three seven one three talk seven to one three. 722 00:34:17.199 --> 00:34:18.599 Eight two five five. 723 00:34:18.719 --> 00:34:21.159 What's on your mind? How can we help you? What 724 00:34:21.559 --> 00:34:24.760 is going on? Well, we are here and we have. 725 00:34:24.679 --> 00:34:26.519 A studio fullback at the studio we. 726 00:34:26.480 --> 00:34:31.039 Have Major Mark Major and and crew. We have two 727 00:34:31.079 --> 00:34:34.599 deputies there, Deputy Dollar I believe, Jeopardy choppers there, I believe. 728 00:34:35.480 --> 00:34:40.000 We also have guests in the studio Mitch Fluria from 729 00:34:40.039 --> 00:34:45.000 the Artifgranite dot com and also Susan who's there as 730 00:34:45.039 --> 00:34:48.000 a common woman. And if you are new to the show, 731 00:34:48.039 --> 00:34:51.519 we call people common man and common women woman, meaning 732 00:34:51.559 --> 00:34:55.119 they come into the studio from the great unwashed and 733 00:34:55.159 --> 00:34:55.960 they bask. 734 00:34:55.800 --> 00:34:56.880 In our radio glory. 735 00:34:57.440 --> 00:35:02.800 And so therefore we are going to you know, it's 736 00:35:02.880 --> 00:35:05.320 kind of tricky, you know, during COVID that went away, 737 00:35:05.360 --> 00:35:07.599 but we're trying to get more and more people back. 738 00:35:07.679 --> 00:35:12.239 And now we have Brent Ivanson Ideal Home Loans, and 739 00:35:12.360 --> 00:35:15.800 we talked about the interest rate guarantee and to someone 740 00:35:15.800 --> 00:35:21.119 else this morning. Then we had another question about loans. Now, Brent, 741 00:35:21.199 --> 00:35:23.440 I want to ask some general questions. First, thank you 742 00:35:23.480 --> 00:35:26.199 for being here. Are they Is there any such thing 743 00:35:26.239 --> 00:35:27.800 as an assumable loan anymore? 744 00:35:29.440 --> 00:35:33.119 You know some of your government products are assumable. It's 745 00:35:33.199 --> 00:35:35.480 difficult to get it done because of the discretion of 746 00:35:35.519 --> 00:35:40.119 the servicer. But yes, generally speaking, there are assumable loans, 747 00:35:40.199 --> 00:35:41.800 but it's really. 748 00:35:41.440 --> 00:35:42.840 Difficult to get done with you them. 749 00:35:43.719 --> 00:35:48.559 Okay, then if you let's say you had two brothers 750 00:35:48.599 --> 00:35:51.400 and they were on a home together, both the title 751 00:35:51.480 --> 00:35:55.079 and the loan. One of the brothers got married, and 752 00:35:55.119 --> 00:35:58.119 now he wants to buy the home, or not buy 753 00:35:58.119 --> 00:35:59.760 the home, but he wants to get his brother off 754 00:35:59.800 --> 00:36:01.559 of the get and I don't even know what they're 755 00:36:01.559 --> 00:36:04.400 doing about the monetary thing. But the brother wants to 756 00:36:04.440 --> 00:36:07.440 get off that loan and get off that title, and 757 00:36:07.480 --> 00:36:09.559 the other brother wants to stay on that loan and 758 00:36:09.559 --> 00:36:11.599 stay on that title, but add his wife. 759 00:36:12.000 --> 00:36:13.079 Do they ever do? 760 00:36:13.440 --> 00:36:17.360 Have you ever heard if someone does qualify and all 761 00:36:17.400 --> 00:36:21.119 other things being equal, would they ever would any lenders 762 00:36:21.239 --> 00:36:23.280 ever substitute borrowers? 763 00:36:24.920 --> 00:36:27.039 Well, I've not heard of anybody doing that where they 764 00:36:27.039 --> 00:36:29.840 would substitute the borrower, where the servicer would say, hey, 765 00:36:30.000 --> 00:36:31.480 we're going to take the brother off and put the 766 00:36:31.519 --> 00:36:34.679 wife on. I can tell you, you know, it's easy to 767 00:36:34.760 --> 00:36:37.239 add the wife to title just for legal purposes. And 768 00:36:37.239 --> 00:36:40.079 then right, if you can prove for a period of 769 00:36:40.119 --> 00:36:43.639 time that the remaining brother and the property is solely 770 00:36:43.679 --> 00:36:47.280 making the mortgage payment himself, that will absolve the other 771 00:36:47.440 --> 00:36:50.559 brother of that debt. Because you can prove somebody else's 772 00:36:50.639 --> 00:36:52.880 making that payment on that debt, you know, won't count 773 00:36:52.880 --> 00:36:56.119 against you and your qualifying in your own personal. 774 00:36:55.880 --> 00:36:59.280 Really, lenow, I didn't know that. 775 00:36:59.559 --> 00:37:03.119 However, though, if poop ever hit the fan, they could 776 00:37:03.199 --> 00:37:04.719 still go after that other brother. 777 00:37:05.880 --> 00:37:08.000 Yes, And so that's the tricky part of that, right is, 778 00:37:08.039 --> 00:37:10.079 if you're the brother moving out, you want to make 779 00:37:10.119 --> 00:37:12.000 absolutely certain, if you're going to keep your name on 780 00:37:12.039 --> 00:37:14.320 that loan, that the other party is going to make 781 00:37:14.360 --> 00:37:16.719 timely payments, because that will impact your credit if they 782 00:37:16.800 --> 00:37:17.280 down day it. 783 00:37:18.239 --> 00:37:22.480 Okay, that's great news, but basically for these guys, they're 784 00:37:22.480 --> 00:37:23.280 going to have to get. 785 00:37:23.119 --> 00:37:23.679 A new loan. 786 00:37:25.079 --> 00:37:27.320 Yeah, the cleanest way would be to refinance it, put 787 00:37:27.320 --> 00:37:29.800 the wife on the new loan with the remaining party, 788 00:37:29.840 --> 00:37:31.599 and then have the other party taken off the loans 789 00:37:31.639 --> 00:37:33.639 so they don't have that obligation counted against them. 790 00:37:33.840 --> 00:37:36.400 Brent, You're having a lot of people lately who have 791 00:37:36.559 --> 00:37:39.559 such low interest loans and they don't want to get 792 00:37:39.559 --> 00:37:41.719 out of them, but they have to even if they 793 00:37:41.719 --> 00:37:44.960 may have to move. They may have to I don't know, 794 00:37:45.079 --> 00:37:47.800 you don't get some equity out whatever, and they don't 795 00:37:47.800 --> 00:37:48.519 have a choice. 796 00:37:49.039 --> 00:37:52.119 And actually you don't have control over the rates. 797 00:37:52.159 --> 00:37:55.639 So the best you can do is that interest rate guarantee, 798 00:37:55.679 --> 00:37:57.079 which is least is something. 799 00:37:57.159 --> 00:37:58.559 I mean, it's one of the only ones in the 800 00:37:58.599 --> 00:38:02.599 industry I heard of. So how exactly does it work. 801 00:38:03.960 --> 00:38:06.719 The way it works is if rates go down in 802 00:38:06.760 --> 00:38:09.280 the future, you can take advantage of that lower rate 803 00:38:09.320 --> 00:38:11.480 by refinancing to that lower rate, and we won't charge 804 00:38:11.480 --> 00:38:15.719 you any lender fees. Additionally, with Evolve, which is another 805 00:38:15.760 --> 00:38:18.239 product we have, if you need to buy a second home, 806 00:38:18.480 --> 00:38:20.440 if you need to buy another home, if you need 807 00:38:20.480 --> 00:38:22.880 to set whatever it is, really. 808 00:38:22.599 --> 00:38:23.360 Think of it this way. 809 00:38:23.440 --> 00:38:25.639 Once you're a client with us, we have a number 810 00:38:25.639 --> 00:38:28.039 of products available that will allow you to do another 811 00:38:28.159 --> 00:38:32.239 loan in the future for whatever benefit without paying any 812 00:38:32.280 --> 00:38:32.840 lender fees. 813 00:38:33.639 --> 00:38:37.079 Wow. So once a customer, always a customer. 814 00:38:37.159 --> 00:38:41.239 Kind of customer for life, absolutely, and then. 815 00:38:41.159 --> 00:38:44.559 The free second opinions still, yeah. 816 00:38:44.400 --> 00:38:46.119 Yep, we'll absolutely take a look at that. You know, 817 00:38:46.199 --> 00:38:47.639 there's a lot of that going on right now. You 818 00:38:47.639 --> 00:38:49.480 have a lot of movement in the marketplace with what's 819 00:38:49.480 --> 00:38:52.440 going on with interest rates and speculation around the election 820 00:38:52.599 --> 00:38:55.440 and the bond market moving quickly. So certainly, if you 821 00:38:55.480 --> 00:38:57.840 are somebody who's in the process, or you are somebody 822 00:38:57.840 --> 00:39:00.320 who is talking to someone, give us the call. We're 823 00:39:00.360 --> 00:39:03.199 a direct lender. We have access to every product out there. 824 00:39:03.360 --> 00:39:04.920 We can give you a second opinion and tell you 825 00:39:04.960 --> 00:39:06.840 if what you're getting makes sense for it, maybe you 826 00:39:06.840 --> 00:39:07.719 could do a little better. 827 00:39:08.079 --> 00:39:10.440 All right, Now, I want to take Jared who has 828 00:39:10.480 --> 00:39:13.360 a question? Jared, and this might be up your alley, Brent, 829 00:39:13.519 --> 00:39:15.559 go ahead, Jared, Uh. 830 00:39:15.599 --> 00:39:17.880 Yeah, How you doing? Tom good Man? I have a 831 00:39:17.920 --> 00:39:20.800 seventy seventy year old mother in law who owns her 832 00:39:20.840 --> 00:39:24.960 house outright, and she's going through some health issues and 833 00:39:25.039 --> 00:39:27.880 wanted to talk. She was talking like rocket loans and 834 00:39:28.320 --> 00:39:30.719 doing this, and I said, no, just hold off a minute. 835 00:39:30.800 --> 00:39:32.400 Let me call Tom and see what. 836 00:39:32.639 --> 00:39:34.679 Jared, how much is her house worth. 837 00:39:35.960 --> 00:39:38.960 I'm guessing four fifty five hundred range. 838 00:39:39.000 --> 00:39:40.559 And how long has it been paid off? 839 00:39:42.480 --> 00:39:45.920 Probably eight years, six years something like. 840 00:39:45.920 --> 00:39:50.360 That, Okay, And so you want to know the best 841 00:39:50.360 --> 00:39:52.159 way for her to get money out of it? 842 00:39:53.199 --> 00:39:55.920 Yeah, because she's you know, doesn't have a lot of money, 843 00:39:55.920 --> 00:39:58.159 and like I said, she's going through some health issues, 844 00:39:58.599 --> 00:40:03.400 and I know Rock loans all those little advertisements you 845 00:40:03.679 --> 00:40:05.280 probably isn't the right thing for her. 846 00:40:06.519 --> 00:40:09.280 So well, here's the deal. Yeah, here's the deal, Brent. 847 00:40:11.119 --> 00:40:16.239 I want to ask you, Brent about this. You guys, 848 00:40:16.760 --> 00:40:19.719 you're familiar with the reverse loans? Is that apropos for 849 00:40:19.760 --> 00:40:22.119 this woman? I mean, go ahead, Brent. 850 00:40:22.480 --> 00:40:25.519 The minute we kind of started explaining the scenario, yes, 851 00:40:25.599 --> 00:40:28.119 I think, Look, you've got somebody who's on a limited income, 852 00:40:28.599 --> 00:40:31.239 who needs money for health issues, who needs cash flow. 853 00:40:31.679 --> 00:40:34.960 You know, a reverse mortgage probably is going to be 854 00:40:35.079 --> 00:40:38.360 the best decision for her, simply because she's not in 855 00:40:38.360 --> 00:40:39.960 a position where she wants to take how a loan, 856 00:40:40.000 --> 00:40:41.960 She's got to make payments on it. If she get 857 00:40:42.000 --> 00:40:44.039 to get access to some equity, If she get access 858 00:40:44.079 --> 00:40:47.159 to some liquidity, a reverse mortgage is probably likely the 859 00:40:47.199 --> 00:40:48.360 best scenario for her. 860 00:40:48.599 --> 00:40:49.239 How old is she? 861 00:40:49.360 --> 00:40:54.320 Did you say, Jared, she's seventy Okay, so she's probably 862 00:40:54.400 --> 00:40:57.079 going to be eligible, Brent, roughly forty percent. 863 00:40:58.639 --> 00:41:00.719 Yeah, I think somewhere in that that realm, you know, 864 00:41:00.800 --> 00:41:03.280 it's definitely. Look again, as you know, we've thought about this. 865 00:41:03.400 --> 00:41:06.000 The older you get, the more access you have. But again, 866 00:41:06.039 --> 00:41:08.800 if she's got a free and clear house, it's likely 867 00:41:08.880 --> 00:41:12.400 that she'll get be able to get more than she needs. Yeah, 868 00:41:12.440 --> 00:41:13.840 and curtail that baby. 869 00:41:13.719 --> 00:41:16.039 Or honestly, I'll throw this out there, she might think 870 00:41:16.079 --> 00:41:16.960 a downsizing. 871 00:41:18.280 --> 00:41:21.400 She probably she could probably get one hundred We're about 872 00:41:21.760 --> 00:41:24.480 maybe one hundred and eighty grand, and then that money 873 00:41:24.559 --> 00:41:27.920 would be she could take it in monthly payments. She 874 00:41:27.920 --> 00:41:30.079 can take a line of credit where she only uses 875 00:41:30.119 --> 00:41:32.760 it when she needs it, and then the interest to cruz. 876 00:41:33.119 --> 00:41:36.400 Here's the only downside to this, Okay, And there is 877 00:41:36.440 --> 00:41:40.280 a downside because of a cruise against equity. But she's 878 00:41:40.280 --> 00:41:43.320 not making payments it ause you're gonna have less that 879 00:41:43.400 --> 00:41:44.199 she leaves to you. 880 00:41:46.159 --> 00:41:47.880 Yeah, it's my wife's mom. 881 00:41:47.960 --> 00:41:50.719 I don't expect that's my wife and hers deal. 882 00:41:50.800 --> 00:41:53.599 I'm not now. Now Here's another thing. And a lot 883 00:41:53.599 --> 00:41:54.480 of kids don't care. 884 00:41:54.519 --> 00:41:58.679 They'd rather that They rather that the the their in 885 00:41:58.800 --> 00:42:02.800 laws or their parents live better and take advantage of 886 00:42:03.119 --> 00:42:07.360 the hard earned equity or a praised equity whatever, or 887 00:42:07.679 --> 00:42:14.519 appreciated equity. Now Brent on a reverse loan. I mean, basically, 888 00:42:15.960 --> 00:42:19.360 what do you see other than you know, she has 889 00:42:19.400 --> 00:42:21.360 to be sixty two or older, she has to qualify 890 00:42:21.360 --> 00:42:23.079 at her cruise against. I mean, I don't see any 891 00:42:23.079 --> 00:42:26.199 big risk here, do you? 892 00:42:26.239 --> 00:42:26.320 No? 893 00:42:26.519 --> 00:42:26.719 You know? 894 00:42:26.800 --> 00:42:30.400 And we're finding it's interesting that the wealth management sector 895 00:42:30.440 --> 00:42:33.440 out there, we are receiving more and more referrals from 896 00:42:33.840 --> 00:42:37.599 wealth management clients who are directing their clients towards this 897 00:42:37.760 --> 00:42:41.800 vehicle because it makes much more sense than liquidating investments 898 00:42:41.800 --> 00:42:44.239 and paying taxes on that. It's just if you've got 899 00:42:44.239 --> 00:42:46.480 a home that's free and clear, you have this gigantic 900 00:42:46.559 --> 00:42:49.119 asset that's got cash tied up in it that if 901 00:42:49.159 --> 00:42:52.760 you need that cash oftentimes or reverse mortgage is the 902 00:42:52.800 --> 00:42:55.440 best way to access that cash. And you can get 903 00:42:55.440 --> 00:42:56.719 it in a lump sum, you can get it on 904 00:42:56.760 --> 00:42:58.840 a monthly payment. There's a number of different ways we 905 00:42:58.880 --> 00:43:00.559 can structure. It just depends on what's going. 906 00:43:00.519 --> 00:43:01.800 To work best for the individual. 907 00:43:02.800 --> 00:43:05.880 And I can have recall you guys, Yeah, I was 908 00:43:05.920 --> 00:43:07.800 going to ask that Brent, you do it you you 909 00:43:07.840 --> 00:43:09.440 can do reverses. 910 00:43:08.960 --> 00:43:11.480 Right, yeah, absolutely, yeah, we do. 911 00:43:12.400 --> 00:43:14.480 See. That's wonderful, it really is. 912 00:43:14.599 --> 00:43:17.239 I mean the fact that idea because we've known Ideal 913 00:43:17.320 --> 00:43:20.960 for years and that's another home loans Yeah at three 914 00:43:21.079 --> 00:43:26.159 zero three Okay, eight eighty six seven seven thousand. 915 00:43:27.159 --> 00:43:30.000 Yep, Okay, Hey, I'm gonna let her know to call 916 00:43:30.039 --> 00:43:33.480 Ideal Home Loans in your guys information for sure. 917 00:43:33.559 --> 00:43:35.840 Okay, Brent, thank you very much for being here. At 918 00:43:35.920 --> 00:43:38.440 three oh three eight six seven seven thousand is Ideal 919 00:43:38.440 --> 00:43:39.679 home Loans dot com. 920 00:43:40.239 --> 00:43:40.360 Uh. 921 00:43:40.719 --> 00:43:43.639 By the way, we have so many experts to help 922 00:43:43.719 --> 00:43:46.920 with all kinds of issues like this. I love when 923 00:43:46.960 --> 00:43:50.559 we can find solutions. Again, there's not one thing that's 924 00:43:50.599 --> 00:43:53.599 fit for everyone. That's the whole idea of course. And 925 00:43:53.639 --> 00:43:56.079 by the way, speaking of everything we're speaking about, Dan 926 00:43:56.199 --> 00:43:59.880 McKenzie is an estate planning attorney and if you ever 927 00:44:00.079 --> 00:44:02.960 need advice before you buy a house with a brother 928 00:44:03.119 --> 00:44:06.320 or a sister, or before you embark on something like this, 929 00:44:06.440 --> 00:44:09.199 Dan McKenzie helps with all of those kinds of decisions 930 00:44:09.239 --> 00:44:13.760 when it comes to estate planning and how to manipulate 931 00:44:13.800 --> 00:44:17.559 your estate for the best interests of your heirs and 932 00:44:17.679 --> 00:44:21.360 for you as you grow older. Dan McKenzie McKenzie Law, 933 00:44:22.079 --> 00:44:24.840 and he's been with us for a while now and 934 00:44:25.239 --> 00:44:27.920 people love the way he does business. He's it's a 935 00:44:27.960 --> 00:44:31.119 small firm, meaning personalized attention. Right here in Denver eight 936 00:44:31.159 --> 00:44:41.519 three three COEO Plans eight three three COO Plans Go 937 00:44:41.639 --> 00:44:45.400 with a sure thing Denver's best roofer Excelroofing dot com. 938 00:44:45.440 --> 00:44:47.440 You don't pay a cent until you're content. 939 00:44:50.800 --> 00:44:54.000 Time for an insurance check up free, no obligation in comparison, 940 00:44:54.119 --> 00:44:57.679 call Compass Insurance paying too much your coverage at dozens 941 00:44:57.719 --> 00:45:00.440 of insurance companies find out now three out three seven 942 00:45:00.559 --> 00:45:01.039 seven to one. 943 00:45:01.119 --> 00:45:01.400 Help. 944 00:45:01.559 --> 00:45:04.199 You'll think you're his only customer when you choose Frank 945 00:45:04.280 --> 00:45:06.719 durand the real estate Man dot com to list your 946 00:45:06.760 --> 00:45:09.920 home with Remax Alliance three all three nine two zero 947 00:45:10.000 --> 00:45:17.079 sixteen twenty two. Hi Tom Martino here, Welcome to the show. 948 00:45:17.119 --> 00:45:21.199 Three all three seven one three talk seven one three. 949 00:45:21.239 --> 00:45:24.000 Eight two five five. Julie. 950 00:45:24.000 --> 00:45:28.920 We have an update with Julie and uh Chopper. Handle 951 00:45:29.000 --> 00:45:34.880 this go ahead, Julie, Hi Chopper. 952 00:45:34.559 --> 00:45:40.159 Hi Tom, We met yesterday with Elevator g Remodeling and 953 00:45:40.440 --> 00:45:44.000 we did come to an agreement to pay nine thousand 954 00:45:44.000 --> 00:45:48.559 dollars to me. I rewrote the contract. I have sent 955 00:45:48.639 --> 00:45:52.480 it this morning to him at I think it was 956 00:45:52.480 --> 00:45:56.039 seven forty eight. I still don't have acknowledgment that he 957 00:45:56.239 --> 00:45:59.960 received it. And it has been a problem with can 958 00:46:00.039 --> 00:46:03.559 inndication in the past. But anyway, during the course of 959 00:46:03.599 --> 00:46:08.280 the conversation, when we were bantering back and forth. 960 00:46:08.599 --> 00:46:10.599 He said that our government. 961 00:46:10.320 --> 00:46:15.519 Makes him hire illegals, makes him that just Mark. 962 00:46:15.920 --> 00:46:16.280 Uh huh? 963 00:46:16.280 --> 00:46:18.599 They they demand Mark. 964 00:46:18.639 --> 00:46:20.880 What do you think I didn't I don't even understand 965 00:46:20.880 --> 00:46:23.280 what she say? And say that again, who makes who hired? 966 00:46:23.480 --> 00:46:24.280 Government does? 967 00:46:24.840 --> 00:46:25.079 Well? 968 00:46:25.159 --> 00:46:27.679 Okay, you're supposed to. Okay, what do you want me 969 00:46:27.719 --> 00:46:30.280 to say? I don't know what does he mean. I 970 00:46:30.320 --> 00:46:31.440 have no clue what he means. 971 00:46:31.440 --> 00:46:33.760 It sounds not what I'm asking. What does he mean? 972 00:46:33.880 --> 00:46:36.000 I'm asking the caller, what does he what do you mean? 973 00:46:37.440 --> 00:46:40.199 I'm not sure what he means because we were talking 974 00:46:40.199 --> 00:46:44.639 about why he put illllegal people on my job when 975 00:46:44.679 --> 00:46:46.920 he tells me that he has an expert. 976 00:46:47.000 --> 00:46:48.880 Okay, can I get let me just get real for 977 00:46:48.880 --> 00:46:51.599 a second. What do you care? I mean, honestly, do 978 00:46:51.679 --> 00:46:53.719 you care if they were illegal or not? I mean, 979 00:46:53.760 --> 00:46:55.960 wouldn't you care more about is a job done right 980 00:46:56.039 --> 00:46:56.239 or what? 981 00:46:57.599 --> 00:46:57.760 Well? 982 00:46:57.800 --> 00:46:59.559 The job wasn't okay, that's. 983 00:46:59.400 --> 00:47:02.000 Fair enough, So why are we bringing this part into it? 984 00:47:02.000 --> 00:47:05.320 It just seems like I don't know rhetoric because that's. 985 00:47:05.239 --> 00:47:10.159 Part of the inconsistency and what he has said and 986 00:47:10.199 --> 00:47:11.280 what he has done. 987 00:47:11.440 --> 00:47:14.239 Have we talked to this guy? Yes, I did, Mark, 988 00:47:14.440 --> 00:47:16.079 And what does this guy got to say? What does 989 00:47:16.119 --> 00:47:18.559 that illegal part have to do with any of his chopper? 990 00:47:18.599 --> 00:47:20.960 He never mentioned that to me, And the only thing 991 00:47:21.000 --> 00:47:24.039 I could think of it might be like government contracts 992 00:47:24.039 --> 00:47:26.280 where they had minority yeah something, But. 993 00:47:26.679 --> 00:47:28.599 Once again, who cares? 994 00:47:28.840 --> 00:47:28.960 So? 995 00:47:29.000 --> 00:47:32.199 But what's this guy saying right now? The job wasn't 996 00:47:32.199 --> 00:47:36.079 done right? He acknowledged it. He was actually a decent. 997 00:47:35.800 --> 00:47:37.079 Guy, so's Julie. 998 00:47:37.159 --> 00:47:38.920 Yeah, they I put him together. 999 00:47:39.280 --> 00:47:42.679 They came up with a fair amount, and I think 1000 00:47:42.679 --> 00:47:44.079 it's basically. 1001 00:47:43.679 --> 00:47:45.960 Over if Paser all right, when are you supposed to 1002 00:47:46.000 --> 00:47:47.800 get to check? You want us to call over right 1003 00:47:47.840 --> 00:47:49.239 now and see where you're going to get it. 1004 00:47:50.880 --> 00:47:51.639 I would love to. 1005 00:47:52.039 --> 00:47:54.280 Let's do that, Chopper. Can you call him right now? No, 1006 00:47:54.360 --> 00:47:56.280 I'll get a hold of Walter. Let's do that. 1007 00:47:56.320 --> 00:47:58.679 Hold on a seconds, No, literally, try to call him 1008 00:47:58.719 --> 00:48:01.000 right now. Let's try to get her update as we go, 1009 00:48:01.440 --> 00:48:04.719 and what's going on, Sage, Sage, what's happening with you? 1010 00:48:05.920 --> 00:48:06.119 Hi? 1011 00:48:06.760 --> 00:48:08.840 So I was told to maybe try to get a 1012 00:48:08.840 --> 00:48:10.559 hold of the guys from an attorney that I had 1013 00:48:10.599 --> 00:48:11.119 spoken to. 1014 00:48:11.360 --> 00:48:12.360 Uh, oh, what's going on? 1015 00:48:13.400 --> 00:48:18.440 Well, my car I got into an accident in twenty 1016 00:48:18.480 --> 00:48:21.039 twenty two, and I had in twenty twenty three taken 1017 00:48:21.079 --> 00:48:25.599 my car to this mechanic shop in Loveland for the 1018 00:48:25.760 --> 00:48:28.440 accident was all cosmetic damage. It was literally just a 1019 00:48:28.519 --> 00:48:33.039 sideswipe on the side of my door. And so they 1020 00:48:33.159 --> 00:48:37.599 had given me an estimate. And when I had asked 1021 00:48:37.639 --> 00:48:39.880 them for my vehicle back because I had been driving 1022 00:48:39.880 --> 00:48:42.039 it around and I had just taken it to get 1023 00:48:42.079 --> 00:48:43.760 an inspection the day before I brought it there, so 1024 00:48:43.840 --> 00:48:45.760 I knew it was safe, they were trying to fear 1025 00:48:45.840 --> 00:48:49.199 monger me and tell me, oh, your vehicle's not road safe. 1026 00:48:49.320 --> 00:48:50.679 You can't drive it off the lot. 1027 00:48:50.719 --> 00:48:52.559 And I was like, wow, there is certain there is 1028 00:48:52.719 --> 00:48:55.639 there is some truth to that stage under certain cases. 1029 00:48:56.320 --> 00:48:58.159 For example, I owned shops forever. 1030 00:48:58.199 --> 00:49:01.480 If someone's breaks were completely there is no way I 1031 00:49:01.480 --> 00:49:03.400 could let them drive off. Now they could get a 1032 00:49:03.400 --> 00:49:05.760 tow truck to pick it up. But if they left 1033 00:49:05.880 --> 00:49:08.559 in a condition where they could get into an accident 1034 00:49:08.639 --> 00:49:11.400 or kill somebody, or even kill themselves, I could be 1035 00:49:11.440 --> 00:49:14.920 held libel big time. But so what are they sayings 1036 00:49:14.920 --> 00:49:17.800 wrong with the vehicle? And is it still there right now? 1037 00:49:18.679 --> 00:49:21.079 My vehicle has been there for about a year now. 1038 00:49:21.239 --> 00:49:23.559 Oh my god, wait a minute, what's it? Wait? Wait? 1039 00:49:23.559 --> 00:49:26.800 Wait wait wait, So a year ago you get side swiped? 1040 00:49:26.920 --> 00:49:27.639 Is that correct? 1041 00:49:28.280 --> 00:49:30.239 Two years ago? I got sidewipe and I brought my 1042 00:49:30.320 --> 00:49:32.599 vehicle to them in twenty twenty three when I moved 1043 00:49:32.599 --> 00:49:33.280 to Colorado. 1044 00:49:33.360 --> 00:49:35.760 Oh okay, why are you calling in twenty twenty four. 1045 00:49:35.800 --> 00:49:37.840 Why didn't you call in twenty twenty two. 1046 00:49:38.559 --> 00:49:40.480 Because I was trying to work it out with them? 1047 00:49:40.639 --> 00:49:42.480 So what do they want right now in order for 1048 00:49:42.559 --> 00:49:43.719 you to get your vehicle back? 1049 00:49:43.800 --> 00:49:44.079 Okay? 1050 00:49:44.119 --> 00:49:46.199 Want payment? How much do you owe them? 1051 00:49:47.039 --> 00:49:49.400 I don't know them anything, because according to them, they 1052 00:49:49.400 --> 00:49:52.079 didn't actually do work on my vehicle and I signed. 1053 00:49:52.119 --> 00:49:54.400 Why why are they saying you owe them? Is it 1054 00:49:54.480 --> 00:49:57.000 storage fees? I mean, pretend put their hat on. 1055 00:49:57.840 --> 00:49:59.519 They're trying to say storage fee. 1056 00:49:59.679 --> 00:50:00.760 What's the name of the place. 1057 00:50:01.800 --> 00:50:04.719 It's called Iron Mountain Collision and listen, I signed a 1058 00:50:04.800 --> 00:50:07.320 contract saying I'll sign zero or I will pay zero 1059 00:50:07.400 --> 00:50:10.199 dollars in storage fees. And I also looked up the 1060 00:50:10.199 --> 00:50:12.840 Colorado Motor Vehicle's Repair Act. They're not allowed to charge 1061 00:50:12.840 --> 00:50:15.760 me storage until four days after they've done finished all 1062 00:50:15.800 --> 00:50:17.599 of the work on a vehicle. They've done no work 1063 00:50:17.639 --> 00:50:17.800 on that. 1064 00:50:18.400 --> 00:50:20.199 I don't know if you're correct on that or not, 1065 00:50:20.320 --> 00:50:23.679 but that but that that really doesn't matter because what 1066 00:50:23.719 --> 00:50:25.199 we're going to do is try to call them up. 1067 00:50:25.239 --> 00:50:26.960 Suzanne's going to try to get them to come on 1068 00:50:27.000 --> 00:50:29.320 the air and explain their side of the story. But 1069 00:50:29.519 --> 00:50:31.840 before we do that, over the break, what do you 1070 00:50:31.840 --> 00:50:33.840 think they're going to tell us? Are they going to 1071 00:50:33.920 --> 00:50:36.400 tell us that you didn't want the work to be done? 1072 00:50:36.840 --> 00:50:39.159 And how does this all tie back into saying your 1073 00:50:39.239 --> 00:50:41.519 vehicle's not safe? 1074 00:50:44.239 --> 00:50:46.519 What was that? Did she hang up or did we 1075 00:50:46.639 --> 00:50:47.480 accidentally do that? 1076 00:50:47.639 --> 00:50:48.119 That was her? 1077 00:50:48.760 --> 00:50:51.079 Let's give her give her a call back. I mean, 1078 00:50:51.119 --> 00:50:52.639 maybe she didn't want us to call. 1079 00:50:52.880 --> 00:50:54.440 That won't work. I don't have her number. 1080 00:50:54.719 --> 00:50:56.760 Well, if she there, she is, I bet that's her 1081 00:50:56.840 --> 00:50:59.519 right there. Let's take a break. And if that is 1082 00:50:59.519 --> 00:51:03.000 is that her Susanne, Let's try to get the phone 1083 00:51:03.079 --> 00:51:05.360 number over to that body shop and see what the 1084 00:51:05.360 --> 00:51:06.599 hell's going on over there. 1085 00:51:06.760 --> 00:51:13.239 Everybody, hold tight, go. 1086 00:51:13.320 --> 00:51:17.039 With a sure thing Denver's Best roofer Excel Roofing dot com. 1087 00:51:17.079 --> 00:51:18.800 You don't pay a cent until you're. 1088 00:51:18.719 --> 00:51:24.960 Contenth time for an insurance check up free, no obligation. 1089 00:51:24.960 --> 00:51:28.800 In comparison, call Compass Insurance paying too much your coverage 1090 00:51:28.840 --> 00:51:31.480 at dozens of insurance companies find out now three all 1091 00:51:31.559 --> 00:51:32.679 three seven seven to one. 1092 00:51:32.800 --> 00:51:33.079 Help. 1093 00:51:33.239 --> 00:51:35.840 You'll think you're his only customer when you choose Frank 1094 00:51:35.920 --> 00:51:38.360 durand the real estate Man dot com to list your 1095 00:51:38.400 --> 00:51:41.519 home with Remax Alliance three all three nine two zero 1096 00:51:41.679 --> 00:51:48.239 sixteen twenty two. Hi Tom Martine here three O three 1097 00:51:48.400 --> 00:51:54.039 seven one three talks seven one three eight two five five. Okay, 1098 00:51:54.119 --> 00:51:57.960 So let's talk about your problems, questions and complaints. 1099 00:51:58.159 --> 00:52:01.760 And we have, but we got two things we got 1100 00:52:01.840 --> 00:52:03.440 to go ahead? All right, go ahead. 1101 00:52:03.519 --> 00:52:06.280 So Julie called up. She's afraid this guy's not gonna 1102 00:52:06.519 --> 00:52:10.119 pay back. But to recap real quick Chopper, this contractor 1103 00:52:10.159 --> 00:52:11.199 didn't do a great job. 1104 00:52:11.239 --> 00:52:14.119 He agreed to give her some money back. That's correct. 1105 00:52:14.199 --> 00:52:15.880 How much did he agree to give back roughly. 1106 00:52:15.960 --> 00:52:18.159 I think they agreed on nine thousand dollars. 1107 00:52:18.000 --> 00:52:19.719 And he hasn't given it back yet. 1108 00:52:19.960 --> 00:52:23.400 No, he just opened up her letter and he promised me, 1109 00:52:23.559 --> 00:52:25.719 gave me his word that he will. 1110 00:52:27.559 --> 00:52:30.280 Yes, and you talk to him over the break, And 1111 00:52:30.320 --> 00:52:31.599 when do you think he's going to pay her? 1112 00:52:31.599 --> 00:52:32.800 Did he have any answer to that? 1113 00:52:32.960 --> 00:52:35.480 She had the dates on it. I think it's ones 1114 00:52:35.599 --> 00:52:37.360 now and one's like in thirty days. 1115 00:52:37.400 --> 00:52:39.880 All right, Well, if one is now, let's pull her up, Julie. 1116 00:52:39.920 --> 00:52:41.719 When is the first day he's supposed to give you? 1117 00:52:41.760 --> 00:52:47.199 What half five thousand is? What is that date? Is 1118 00:52:47.199 --> 00:52:48.159 it today? What date? 1119 00:52:49.679 --> 00:52:49.920 Sign? 1120 00:52:50.079 --> 00:52:54.320 The date that the contract is signed? It was sent 1121 00:52:54.400 --> 00:52:55.559 over to him this morning. 1122 00:52:55.599 --> 00:52:59.840 Okay, so he hasn't signed it yet. No, he has not. 1123 00:53:00.639 --> 00:53:02.840 Well, he just talked Chopper just talked to him. The 1124 00:53:02.880 --> 00:53:05.400 guy says he's gonna pay you. Why don't you call 1125 00:53:05.519 --> 00:53:08.199 back in tomorrow if he hasn't reached out to you 1126 00:53:08.480 --> 00:53:11.079 and he hasn't signed the agreement or he hasn't given 1127 00:53:11.119 --> 00:53:13.519 you half, and we'll keep bugging this guy. But it 1128 00:53:13.639 --> 00:53:17.480 sounds like, according to Chopper, Chopper really thinks the guy's 1129 00:53:17.480 --> 00:53:21.800 gonna pay you. Okay, great, and if he doesn't, well 1130 00:53:21.920 --> 00:53:23.679 we'll just make his life a little harder. 1131 00:53:23.679 --> 00:53:25.880 So holdly, I just don't understand the part. I know 1132 00:53:25.920 --> 00:53:27.360 you don't want to talk about it. But what did 1133 00:53:27.440 --> 00:53:30.280 she mean that the government made him higher? 1134 00:53:30.519 --> 00:53:32.559 He said that to her? So I mean we're here 1135 00:53:32.599 --> 00:53:35.440 in the third person. I have no idea. Like Chopper said, 1136 00:53:35.480 --> 00:53:37.920 it could be something. I have no idea what it 1137 00:53:37.960 --> 00:53:38.239 could be. 1138 00:53:38.320 --> 00:53:38.840 Who cares. 1139 00:53:38.920 --> 00:53:40.159 I didn't go into it with him. 1140 00:53:40.599 --> 00:53:44.119 Okay, you know, I mean I agree it's somewhat interesting, 1141 00:53:44.159 --> 00:53:47.960 But what the hell now? Sage, listen to this one, Tom, Yeah, 1142 00:53:48.039 --> 00:53:52.119 her car has been at this place. She got sideswipe, 1143 00:53:52.159 --> 00:53:55.119 brought it into a body shop, iron something. I'll pull 1144 00:53:55.119 --> 00:53:59.199 it up in a second. But in twenty twenty two. 1145 00:53:59.360 --> 00:54:02.199 Her car is been there since twenty twenty two, twenty 1146 00:54:02.239 --> 00:54:06.000 twenty three, twenty three, and they want a charger for storage. 1147 00:54:06.079 --> 00:54:08.400 So of course, hey, how much is this? Well why 1148 00:54:08.559 --> 00:54:09.719 was it there for that long? 1149 00:54:09.800 --> 00:54:12.559 Well she says they haven't done any work on it whatsoever. 1150 00:54:12.679 --> 00:54:15.079 That's kind of where we left off on it. But Sage, 1151 00:54:15.119 --> 00:54:17.159 how much are they saying you are owed? 1152 00:54:17.280 --> 00:54:17.760 Right now? 1153 00:54:18.639 --> 00:54:21.800 So I've heard different stories. I don't think they even 1154 00:54:21.840 --> 00:54:24.119 know how much I really owe them. I've heard thirty thousand. 1155 00:54:24.199 --> 00:54:25.400 I've heard fifty thousand. 1156 00:54:25.480 --> 00:54:28.119 Well, sage, let me let me ask this, why did 1157 00:54:28.159 --> 00:54:28.960 you take it there? 1158 00:54:29.000 --> 00:54:29.840 To begin with? 1159 00:54:30.599 --> 00:54:33.239 So, my car is a foreign car, and I called 1160 00:54:33.239 --> 00:54:34.320 around to a whole bunch of. 1161 00:54:34.400 --> 00:54:36.800 Us what kind of car that is? What kind of car? 1162 00:54:36.920 --> 00:54:39.000 Well, it's a Alpha Romeo Celvio. 1163 00:54:39.800 --> 00:54:40.679 Oh I love those. 1164 00:54:41.000 --> 00:54:45.159 They're terrible cars, but I love them so. So you 1165 00:54:45.199 --> 00:54:48.360 took your Alpha Romeo there a couple of years ago. 1166 00:54:49.039 --> 00:54:51.800 I took it, Yeah, in twenty twenty in August of 1167 00:54:51.840 --> 00:54:55.159 twenty twenty three, and they've had my vehicle since then, 1168 00:54:55.239 --> 00:54:57.320 refusing to give it back to me when I've even 1169 00:54:57.360 --> 00:55:00.599 asked it back from them to drive it around until 1170 00:55:01.000 --> 00:55:02.960 the part for the side of my vehicle comes in, 1171 00:55:03.039 --> 00:55:03.880 because but you're. 1172 00:55:03.719 --> 00:55:05.880 Willing to have them do the work, right. 1173 00:55:06.360 --> 00:55:09.480 Not at this point they have been completely shady and 1174 00:55:09.639 --> 00:55:13.679 giving false estimates, claiming they've done work outside of the estimate. 1175 00:55:14.239 --> 00:55:15.239 What's the name of the shop. 1176 00:55:16.280 --> 00:55:20.159 It's an Iron Mountain Collision in Loveland, and Sune. 1177 00:55:19.679 --> 00:55:22.559 Left Susanne left a message for the GA Smeil there. 1178 00:55:23.639 --> 00:55:26.719 Yeah, So basically, how much do they want you don't know. 1179 00:55:27.440 --> 00:55:31.679 They've told an officer thirty thousand, they've told me fifty thousand, 1180 00:55:31.800 --> 00:55:34.440 they've said thirty six thousand, they've all OKAYO thousand, So 1181 00:55:34.440 --> 00:55:35.079 I don't really know. 1182 00:55:35.559 --> 00:55:38.639 Oh, come on, what the thirty It's been there since 1183 00:55:38.719 --> 00:55:40.239 August of twenty twenty three. 1184 00:55:40.280 --> 00:55:43.840 It's just I recorded my conversations with it. 1185 00:55:43.840 --> 00:55:46.599 It's just over a year for goodness sakes, I mean, 1186 00:55:46.719 --> 00:55:49.079 and the only way they could charge you for storage 1187 00:55:49.119 --> 00:55:51.360 is if they disclosed it up front to begin with. 1188 00:55:52.000 --> 00:55:54.199 Well, I have recording of the owner saying he's not 1189 00:55:54.320 --> 00:55:56.360 charging the storage at all in my vehicle, no matter 1190 00:55:56.400 --> 00:55:57.679 how long is there, and. 1191 00:55:57.639 --> 00:56:00.880 You're telling me you cannot go over is it drivable? 1192 00:56:01.360 --> 00:56:03.800 My vehicle's not on their property anymore. They took it 1193 00:56:03.840 --> 00:56:05.639 off their vehicle and won't tell me where it is. 1194 00:56:05.880 --> 00:56:07.000 I wonder if they sold it. 1195 00:56:07.880 --> 00:56:09.800 Well, they can't because I still have the title and 1196 00:56:09.840 --> 00:56:12.079 they haven't filed anything that was to take over the 1197 00:56:12.360 --> 00:56:13.199 You know, have. 1198 00:56:13.239 --> 00:56:14.679 You reported it to police? 1199 00:56:15.239 --> 00:56:17.199 I tried, and they won't get involved because they're saying 1200 00:56:17.199 --> 00:56:22.639 it's civil. I have the aucmentation of the officers saying 1201 00:56:22.639 --> 00:56:24.679 that my vehicle is no longer on their property though 1202 00:56:25.599 --> 00:56:27.039 so I don't know how they're charging the storage on 1203 00:56:27.039 --> 00:56:28.280 a vehicle that's not on their property. 1204 00:56:29.599 --> 00:56:32.199 Well, they could sort you know, they're going to say, 1205 00:56:32.280 --> 00:56:33.480 they're going to say they had to. 1206 00:56:33.840 --> 00:56:36.559 I really want to understand where they're coming from, and 1207 00:56:36.559 --> 00:56:39.559 hopefully the GM calls back to Susanne. But what do 1208 00:56:39.599 --> 00:56:41.800 you think you're going to say? I guess I get 1209 00:56:41.800 --> 00:56:43.800 a little lost in this win. They're going to say 1210 00:56:43.840 --> 00:56:45.800 that she never told them what to do. They had 1211 00:56:45.800 --> 00:56:47.960 to get off the lot. They're paying for storage, and 1212 00:56:48.719 --> 00:56:51.320 was insurance not? Was insurance not in this? 1213 00:56:52.679 --> 00:56:55.440 My insurance isn't this? They offered to pay them fifteen 1214 00:56:55.480 --> 00:56:58.280 thousand dollars They refused my insurance. 1215 00:56:58.280 --> 00:57:02.039 Wait, wait, your insurance offered to pay them fifteen for storage? 1216 00:57:02.719 --> 00:57:06.519 Yes, just call just to get my vehicle back because 1217 00:57:06.519 --> 00:57:07.360 they were trying to help me. 1218 00:57:08.480 --> 00:57:12.039 What kind of insurance do you have for that State Farms. 1219 00:57:13.840 --> 00:57:17.039 The only reason they would turn down fifteen grand is 1220 00:57:17.079 --> 00:57:19.360 that they don't have the car and they don't know 1221 00:57:19.400 --> 00:57:21.760 where it is. They sold it or somebody stole it. 1222 00:57:21.800 --> 00:57:23.719 Well, I would drive by there and they had my 1223 00:57:23.840 --> 00:57:26.840 vehicle on their lot until June of this year. In June, 1224 00:57:26.960 --> 00:57:28.039 my vehicle stopp being. 1225 00:57:27.880 --> 00:57:28.320 On their law. 1226 00:57:28.400 --> 00:57:33.079 All of this happened in January of this year year. 1227 00:57:34.679 --> 00:57:38.480 What all what the dispute of them refusing to release 1228 00:57:38.519 --> 00:57:41.760 my vehicle to me or anything like? Everything that went down? 1229 00:57:41.800 --> 00:57:44.159 It was January twenty fourth of this year. 1230 00:57:45.440 --> 00:57:49.760 And that fifteen grand represents one year of storage at 1231 00:57:49.800 --> 00:57:51.639 the maximum per day. 1232 00:57:52.280 --> 00:57:53.760 Why why? Mark? Did you? 1233 00:57:54.000 --> 00:57:56.280 I just did the math. Man, it's forty dollars in 1234 00:57:56.360 --> 00:57:57.960 sixty five? Where'd Jay? 1235 00:57:58.079 --> 00:57:59.760 Where'd you get the forty sixty five? 1236 00:58:00.280 --> 00:58:03.440 It's just it's on the Public Utility Commission's website for 1237 00:58:03.519 --> 00:58:04.199 you say, But. 1238 00:58:04.199 --> 00:58:06.119 Don't they have to disclose it ahead of time? 1239 00:58:06.159 --> 00:58:09.079 Mark, Well, I just looked up the amount. I'm sure 1240 00:58:09.119 --> 00:58:11.280 they do have to disclose it at some point. But 1241 00:58:11.280 --> 00:58:14.400 if she dropped it off there, I assume she signs something. 1242 00:58:14.960 --> 00:58:16.760 I have a copy of the contract. I find the 1243 00:58:16.800 --> 00:58:19.199 contact saying I'll be paying zero dollars in storage. 1244 00:58:18.960 --> 00:58:19.920 For every day that is there. 1245 00:58:20.119 --> 00:58:21.719 Then then I don't see. 1246 00:58:21.840 --> 00:58:23.880 Then you need to get some kind of court injunction 1247 00:58:23.960 --> 00:58:25.440 for them to produce that vehicle. 1248 00:58:25.840 --> 00:58:27.840 You do, That's what I wanted to do. I was 1249 00:58:27.880 --> 00:58:29.679 told to get a hold of you guys, maybe see 1250 00:58:29.679 --> 00:58:31.480 if I can work something out with them before. 1251 00:58:31.280 --> 00:58:33.400 I do have Okay, let's do that. That's what we're 1252 00:58:33.400 --> 00:58:33.880 going to try. 1253 00:58:33.960 --> 00:58:35.639 Okay, they have a call in to them. But it's 1254 00:58:35.719 --> 00:58:37.880 just the whole thing is I just don't get it. 1255 00:58:38.039 --> 00:58:40.760 They're either outright thieves or else. We're not hearing a 1256 00:58:40.800 --> 00:58:41.960 different side of the story. 1257 00:58:42.039 --> 00:58:46.159 They have a lot of similar complaints on the BBB. 1258 00:58:46.000 --> 00:58:46.920 And got it. 1259 00:58:47.079 --> 00:58:49.039 Wouldn't it be funny if it was forty four th 1260 00:58:49.079 --> 00:58:51.119 Autos Body Shop Division? 1261 00:58:51.639 --> 00:58:51.800 Yeah? 1262 00:58:52.039 --> 00:58:55.719 Right, forty fourth Auto used to do this all the time. Now, listen, 1263 00:58:56.079 --> 00:58:58.119 what is the part that's so hard to get? 1264 00:59:00.159 --> 00:59:02.000 What do you mean the part for my vehicle? 1265 00:59:02.239 --> 00:59:04.960 You said that it's been there that long because you 1266 00:59:05.000 --> 00:59:06.320 were waiting on a part. 1267 00:59:06.639 --> 00:59:09.239 According to them, I was on a quote unquote national 1268 00:59:09.280 --> 00:59:12.159 back order for my FIDE panel on my car. After 1269 00:59:12.280 --> 00:59:14.800 speaking to Alpha Romeo, that's not that wasn't true. My 1270 00:59:14.880 --> 00:59:17.320 vehicles five panel was never on a national back order, 1271 00:59:17.320 --> 00:59:18.920 so that was just a reason for them to whistle 1272 00:59:18.960 --> 00:59:19.760 my vehicle longer. 1273 00:59:20.400 --> 00:59:22.679 Yeah, but why didn't they want to just fix it 1274 00:59:22.719 --> 00:59:24.960 and get paid? I don't know. That's the part that's 1275 00:59:25.039 --> 00:59:26.199 making little sense. 1276 00:59:26.800 --> 00:59:28.960 Did you tell them you didn't have the money or 1277 00:59:29.079 --> 00:59:30.719 was your insurance jerking them around? 1278 00:59:30.800 --> 00:59:31.480 What happened? 1279 00:59:31.920 --> 00:59:34.320 I think originally they were trying to screw my insurance 1280 00:59:34.320 --> 00:59:36.800 over and get my insurance to pay way more for 1281 00:59:36.880 --> 00:59:39.000 the fixing of my vehicle than what. 1282 00:59:39.199 --> 00:59:41.440 So there was a dispute going on for a while. 1283 00:59:42.360 --> 00:59:43.039 Yeah, there was. 1284 00:59:43.159 --> 00:59:45.800 Did you get involved in the dispute? 1285 00:59:46.400 --> 00:59:48.639 Well, they ended up saying that if my insurance isn't 1286 00:59:48.639 --> 00:59:49.679 willing to pay, it's on me. 1287 00:59:50.119 --> 00:59:51.280 Well, I mean that's true. 1288 00:59:51.320 --> 00:59:53.920 I've done any they haven't done any work on my vehicle. 1289 00:59:54.599 --> 00:59:55.840 Email sent to me as well. 1290 00:59:55.960 --> 00:59:58.000 So I'll tell you what, hang on and we'll call 1291 00:59:58.039 --> 01:00:00.800 you back, or we'll see if we hear from these people. 1292 01:00:00.840 --> 01:00:03.920 But we'll or we'll put some Should we put someone 1293 01:00:03.960 --> 01:00:05.360 on it in case they don't call back? 1294 01:00:05.400 --> 01:00:09.039 I think so, Tom, Yeah, okay, who should we get 1295 01:00:09.079 --> 01:00:12.840 think we put on? Is Dmitri over your Yes, Dimitri, 1296 01:00:13.039 --> 01:00:14.039 let's take this, bro. 1297 01:00:14.280 --> 01:00:17.360 I mean, this is a terrible Okay, So I just 1298 01:00:17.559 --> 01:00:22.079 send Sage's information to Dimitri. Deputy d Rand, you have 1299 01:00:22.119 --> 01:00:24.840 an interesting question. Go ahead, Rand, Welcome to the show. 1300 01:00:26.119 --> 01:00:29.280 Yes, I have a cabin that I inherited from my 1301 01:00:29.440 --> 01:00:33.440 parents and they were all the original owners. 1302 01:00:33.079 --> 01:00:38.840 And did you inherit it by death, yes, okay, and 1303 01:00:39.079 --> 01:00:43.320 uh it was it was not? Was it a beneficiary's 1304 01:00:43.400 --> 01:00:44.079 deed or was. 1305 01:00:44.000 --> 01:00:45.719 It a will? 1306 01:00:45.599 --> 01:00:46.039 A will? 1307 01:00:46.440 --> 01:00:47.679 Okay, keep going, Rand. 1308 01:00:48.599 --> 01:00:51.119 My question is, uh, I'm going to list it for 1309 01:00:51.239 --> 01:00:55.000 sale on next summer. It's from off gridge remote cabin 1310 01:00:55.719 --> 01:00:58.599 with solar, and I want to know what the tax 1311 01:00:58.719 --> 01:01:02.840 implications are with the proceeds I received from it, and 1312 01:01:03.800 --> 01:01:09.079 whether or not it might even affect my Medicare payments. 1313 01:01:09.519 --> 01:01:12.280 Now, okay, let me explain this to your brand. 1314 01:01:13.039 --> 01:01:16.639 You inherited this off grid cabin, so whatever it was 1315 01:01:16.719 --> 01:01:19.480 worth on the day you inherited it. 1316 01:01:19.400 --> 01:01:20.280 That's your basis. 1317 01:01:20.320 --> 01:01:24.039 Okay, Okay, Now you're going to have to figure out 1318 01:01:24.039 --> 01:01:24.760 what that was. 1319 01:01:25.480 --> 01:01:28.360 It could be. What do you think the value is 1320 01:01:28.360 --> 01:01:29.119 at the time. 1321 01:01:28.880 --> 01:01:32.000 They died or one of them died, or whoever left 1322 01:01:32.000 --> 01:01:33.880 it to you? 1323 01:01:33.880 --> 01:01:37.199 You know, possibly two hundred and fifty thousand dollars. 1324 01:01:37.840 --> 01:01:40.360 That's very unusual for again, an off grid Is it 1325 01:01:40.400 --> 01:01:42.480 a really really nice one? 1326 01:01:42.880 --> 01:01:45.199 Well, it's on a nice piece of one. What did 1327 01:01:45.280 --> 01:01:48.119 property right next to a national force? It's got a 1328 01:01:48.119 --> 01:01:50.039 well steptic. 1329 01:01:49.760 --> 01:01:54.079 Solar pro pain sounds nice? Where is it that sounds 1330 01:01:54.119 --> 01:01:54.639 really nice? 1331 01:01:54.639 --> 01:01:57.119 Where is it by fair play? 1332 01:01:58.239 --> 01:02:02.119 Okay, so you inherited a grid cabin, but it has 1333 01:02:02.920 --> 01:02:09.760 all utilities self contained basically, right, right, that's cool, self contained. 1334 01:02:09.960 --> 01:02:11.480 How many square feet? 1335 01:02:12.920 --> 01:02:18.559 I think it's probably eleven hundred square feets? 1336 01:02:19.000 --> 01:02:22.119 Okay, So here's the deal. 1337 01:02:22.639 --> 01:02:24.960 If you inherited that, and let's say it's two hundred 1338 01:02:24.960 --> 01:02:26.920 and fifty, what do you think you'll sell it for. 1339 01:02:29.519 --> 01:02:35.119 I'm hoping, you know, close to that amount, or possibly 1340 01:02:35.480 --> 01:02:36.480 maybe two in the quarter. 1341 01:02:36.880 --> 01:02:38.480 Okay, Well, here's the deal. 1342 01:02:38.920 --> 01:02:41.480 You're probably not going to have any kind of capital 1343 01:02:41.519 --> 01:02:45.559 gains tax whatsoever, because I mean, you know, unless you 1344 01:02:45.800 --> 01:02:48.119 make money on this, you're not going to have capital gains, 1345 01:02:48.719 --> 01:02:52.079 and there's no exclusion because it's not your primary residence. 1346 01:02:52.119 --> 01:02:55.199 So let's just say you sold it for two fifty. 1347 01:02:55.440 --> 01:02:58.440 There's no capital gains. If that was the value, you 1348 01:02:58.559 --> 01:03:01.519 have to get it valued at the time of death. Now, 1349 01:03:02.320 --> 01:03:05.280 if it turns out you sold it for two sixty, 1350 01:03:05.360 --> 01:03:08.280 you'd have a ten thousand dollars gain. If you sold 1351 01:03:08.320 --> 01:03:14.199 it for more, you'd have more. Now as far as income, Okay, 1352 01:03:14.679 --> 01:03:20.679 this gets tricky. You technically have a two hundred and 1353 01:03:20.679 --> 01:03:30.679 fifty thousand dollars asset Okay, So it won't affect because 1354 01:03:30.679 --> 01:03:33.639 it was an inheritance, it's not going to affect income 1355 01:03:33.760 --> 01:03:37.559 for certain things, but it will affect your Medicare Part B. 1356 01:03:37.760 --> 01:03:42.519 Is that what you're talking about your premium? Yes, I believe. 1357 01:03:42.480 --> 01:03:45.840 And we have to check with someone, but I believe 1358 01:03:46.679 --> 01:03:51.599 even though you inherited, at its basis it is two 1359 01:03:51.719 --> 01:03:55.280 hundred and fifty thousand dollars you inherited, I believe they 1360 01:03:55.320 --> 01:03:57.760 can count that for that year as income. 1361 01:03:57.960 --> 01:03:59.480 I might be wrong. 1362 01:04:00.159 --> 01:04:03.400 I don't know technically the nature of income, but I 1363 01:04:03.480 --> 01:04:06.199 believe they can count it. I'm gonna check with one 1364 01:04:06.199 --> 01:04:08.639 of my experts during the break and see if I 1365 01:04:08.679 --> 01:04:10.519 can get somebody to come on the air. So hold 1366 01:04:10.519 --> 01:04:13.760 on three oh three seven one three talks seven one 1367 01:04:13.800 --> 01:04:18.719 three eight two five five. Genesis Total Exteriors align Siding, 1368 01:04:18.960 --> 01:04:22.159 which is a lifetime siding. They have the dark colors 1369 01:04:22.159 --> 01:04:26.559 that don't chip, fade, warp, and they're taking over. 1370 01:04:27.079 --> 01:04:28.360 The siding industry. 1371 01:04:28.440 --> 01:04:36.920 Genesistotalexteriors dot com. Go with a sure thing Denver's Best 1372 01:04:37.000 --> 01:04:39.840 roofer Excel Roofing dot Com. You don't pay a cent 1373 01:04:40.079 --> 01:04:46.119 until you're content. Time for an insurance check up free 1374 01:04:46.199 --> 01:04:49.960 no obligation. In comparison, call Compass Insurance paying too much 1375 01:04:50.039 --> 01:04:53.000 your coverage at dozens of insurance companies find out now 1376 01:04:53.079 --> 01:04:55.360 three oh three seven to seven to one help. You'll 1377 01:04:55.360 --> 01:04:58.119 think you're his only customer when you choose Frank durand 1378 01:04:58.119 --> 01:05:00.599 the real estate man dot com to listen your home 1379 01:05:00.800 --> 01:05:03.960 with Remax Alliance three oh three nine two zero sixteen 1380 01:05:04.039 --> 01:05:11.480 twenty two. Hi Tom Martine here three three seven one 1381 01:05:11.559 --> 01:05:14.239 three talk three oh three seven one three eight two 1382 01:05:14.320 --> 01:05:18.960 five five. John Jones Senior is on with Integrat Insurance. 1383 01:05:19.360 --> 01:05:21.639 And by the way, John knows a lot about Part 1384 01:05:21.679 --> 01:05:25.760 B Medicare and how it's affected by income. And he 1385 01:05:25.840 --> 01:05:27.639 also checked with an expert as well. 1386 01:05:28.079 --> 01:05:28.400 John. 1387 01:05:28.679 --> 01:05:34.199 If you inherit something, of course it's a value. Is 1388 01:05:34.239 --> 01:05:40.239 it considered income for Social Security or Medicare reasons? 1389 01:05:41.199 --> 01:05:41.840 In this case? 1390 01:05:41.880 --> 01:05:44.599 Tom, just couple of things. I just happen to be 1391 01:05:44.639 --> 01:05:47.519 talking to our accountant when I heard his question. Sure, 1392 01:05:47.559 --> 01:05:50.280 our accountant. And what the gentleman said when we were 1393 01:05:50.360 --> 01:05:53.159 chatting with him is this can be based on courses. 1394 01:05:53.239 --> 01:05:56.039 Man job when they figure out their Medicare Part B 1395 01:05:56.280 --> 01:05:58.880 and it's a two year look back period. 1396 01:05:59.320 --> 01:06:02.119 Now you're talking about adjusted gross income. 1397 01:06:02.519 --> 01:06:06.119 Yeah, says a two year lookback period. So if he 1398 01:06:06.599 --> 01:06:11.800 sells it this next year in twenty twenty five, when 1399 01:06:11.800 --> 01:06:14.199 he goes to follow his account or his taxes, of 1400 01:06:14.239 --> 01:06:17.280 course i'd be talking to the accountant. But since this 1401 01:06:17.440 --> 01:06:21.880 is a one time if it happens to however they 1402 01:06:21.960 --> 01:06:27.000 figure it. If it happens to increase his taxable income 1403 01:06:27.079 --> 01:06:29.960 where he might have an increase on his Medicare part 1404 01:06:30.119 --> 01:06:36.199 B freemium because of the sear charge, he can't appeal 1405 01:06:36.239 --> 01:06:39.440 it since this one time and probably get that removed. 1406 01:06:39.800 --> 01:06:41.599 But here's what I want to ask you, though, Here's 1407 01:06:41.639 --> 01:06:46.000 what's tricky. What part of it would be considered income 1408 01:06:46.199 --> 01:06:47.559 if he sells it. 1409 01:06:47.599 --> 01:06:51.800 Is it the entire value or only the value. 1410 01:06:51.559 --> 01:06:56.760 Above his basis because technically taxes would only be due 1411 01:06:57.519 --> 01:06:59.480 on the amount above his basis. 1412 01:07:02.079 --> 01:07:04.440 I would assume, and I'm on an account, come and 1413 01:07:04.519 --> 01:07:06.679 maybe y'all would like to talk to or heat talk 1414 01:07:06.760 --> 01:07:09.400 to an account I like you, I would assume that 1415 01:07:09.519 --> 01:07:11.079 the income of both. 1416 01:07:11.079 --> 01:07:12.360 His faith basis. 1417 01:07:12.519 --> 01:07:14.360 That's what I would assume too. But again, you have 1418 01:07:14.400 --> 01:07:16.280 to check your account. But no matter what, if it's 1419 01:07:16.280 --> 01:07:18.800 a one time thing, there's a good chance you could 1420 01:07:18.800 --> 01:07:22.599 get it removed and not in consideration. I'm Tom martinro 1421 01:07:22.639 --> 01:07:27.199 We have more coming up on the Troubleshooter Show. Go 1422 01:07:27.280 --> 01:07:31.000 with a sure thing Denver's Best roofer Excel Roofing dot com. 1423 01:07:31.039 --> 01:07:36.760 You don't pay a cent until you're content. Time for 1424 01:07:36.800 --> 01:07:40.000 an insurance check up free, no obligation. In comparison, call 1425 01:07:40.079 --> 01:07:43.400 Compass Insurance paying too much your coverage at dozens of 1426 01:07:43.440 --> 01:07:46.079 insurance companies find out now three O three seven to 1427 01:07:46.159 --> 01:07:48.960 seven to one help. You'll think you're his only customer 1428 01:07:49.000 --> 01:07:51.239 when you choose Frank durand the real estate Man dot 1429 01:07:51.280 --> 01:07:54.599 com to list your home with Remax Alliance three oh 1430 01:07:54.639 --> 01:07:56.639 three nine two zero sixteen twenty. 1431 01:07:56.400 --> 01:08:07.559 Two ripped news. You need advice? Who you don't help? 1432 01:08:09.679 --> 01:08:12.079 Come running just as fast as we can. 1433 01:08:13.360 --> 01:08:17.479 Shooter's gonna help, coming man. 1434 01:08:16.880 --> 01:08:19.039 This is the Troubleshooter Show. 1435 01:08:19.640 --> 01:08:24.159 Now, Tom Martino, Hey, Tom Martino here, Welcome to the show. 1436 01:08:24.239 --> 01:08:27.680 Three O three seven one three talk three O three 1437 01:08:27.880 --> 01:08:30.079 seven one three eight two five five. 1438 01:08:30.640 --> 01:08:32.960 What's going on in your life? How can we help you? 1439 01:08:33.000 --> 01:08:34.840 We're here to help you anyway we can three O 1440 01:08:34.960 --> 01:08:37.640 three seven to one three talk are three oh three Martino? Okay, 1441 01:08:37.960 --> 01:08:42.119 that three oh three Martino Works twenty four seven and 1442 01:08:42.199 --> 01:08:44.760 this hour brought to you by Denver Regen dot com 1443 01:08:44.800 --> 01:08:49.000 for pain relief and stem cell therapy and hair rejuvenation 1444 01:08:49.239 --> 01:08:55.840 from stem cells. It's Denver Regen dot com. And they're 1445 01:08:55.880 --> 01:09:00.079 really they really do work. I'm serious now, Okay. So 1446 01:09:00.239 --> 01:09:02.640 Mitch Fleur is with us the Artigranite dot Com, and 1447 01:09:02.680 --> 01:09:05.640 we're talking about he has a remnant yard where you 1448 01:09:05.640 --> 01:09:08.479 can get free materials if in fact you can find 1449 01:09:08.479 --> 01:09:11.239 a piece big enough. Are there pieces big enough in 1450 01:09:11.279 --> 01:09:13.600 the remnant yard free materials and all you pay for 1451 01:09:13.720 --> 01:09:15.600 is the fabrication that he does for it. 1452 01:09:15.720 --> 01:09:18.399 Or the templeting Mitch. Somebody wants to know. 1453 01:09:18.479 --> 01:09:22.000 Do you have pieces big enough to do like counters 1454 01:09:22.000 --> 01:09:25.039 and islands or are they mainly smaller for art no 1455 01:09:25.079 --> 01:09:27.760 oaks and windowsills and stuff like that. 1456 01:09:28.119 --> 01:09:29.239 We have a lot of species. 1457 01:09:29.319 --> 01:09:32.560 Some of them are house slubs, three cords of slubs, 1458 01:09:33.199 --> 01:09:36.199 lockingough for islands and even small kitchens or you know, 1459 01:09:36.319 --> 01:09:40.199 basement kitchen nets or larger bedrooms. 1460 01:09:40.199 --> 01:09:44.560 We do, yes, okay, and again that's the Artigranite dot Com. 1461 01:09:44.600 --> 01:09:45.520 We'll be talking to Mitch. 1462 01:09:45.680 --> 01:09:47.680 If you have any questions, you can call us. I 1463 01:09:47.720 --> 01:09:49.920 want to take Larry real quick. He has some kudos 1464 01:09:49.960 --> 01:09:52.199 and he's been waiting a while. Larry, you wanted to 1465 01:09:52.199 --> 01:09:55.239 give kudos to one of our people, petty details at 1466 01:09:55.279 --> 01:09:58.760 referralss dot com. What did And they're the ones that 1467 01:09:58.960 --> 01:10:03.600 value cars that have been totaled or cars for any reason, 1468 01:10:03.640 --> 01:10:06.079 but mainly people calling to make sure they're getting a 1469 01:10:06.119 --> 01:10:06.840 fair settlement. 1470 01:10:06.880 --> 01:10:10.319 What happened? He hung up? Tom. I'm sorry about that, Okay, 1471 01:10:10.399 --> 01:10:10.960 no problem. 1472 01:10:11.399 --> 01:10:13.319 He just wanted to say they did a great job. 1473 01:10:13.359 --> 01:10:16.720 We get a lot of good kudos about them. So 1474 01:10:16.840 --> 01:10:21.880 let's go back to Tim. He wants he wants to 1475 01:10:21.920 --> 01:10:27.760 talk about small claims. Go ahead, Tim, Tim? 1476 01:10:27.880 --> 01:10:29.119 Hi, Tim? What's happening? 1477 01:10:30.760 --> 01:10:31.079 Hello? 1478 01:10:31.199 --> 01:10:31.800 How you going? 1479 01:10:32.399 --> 01:10:33.439 What can we do for you? 1480 01:10:33.560 --> 01:10:33.760 Man? 1481 01:10:35.800 --> 01:10:38.600 I'm just calling because I'm trying to see if this 1482 01:10:38.720 --> 01:10:42.800 situation would be something out who be something that I 1483 01:10:42.800 --> 01:10:47.000 could take the small plans court. So back in March, 1484 01:10:47.560 --> 01:10:52.399 there's these things where they're called thrills, which are gold teas. 1485 01:10:52.960 --> 01:10:57.119 They're like shan't carrot worth caring and they're just caps 1486 01:10:57.159 --> 01:10:58.159 that go over your. 1487 01:10:58.039 --> 01:10:59.239 Team right right? 1488 01:10:59.319 --> 01:10:59.960 I know what they are? 1489 01:11:00.119 --> 01:11:04.119 Yeah, So in March, did you buy him? 1490 01:11:04.760 --> 01:11:09.039 In March? My son's bottom there the tops and the bottoms, 1491 01:11:09.039 --> 01:11:12.680 which was twelve twelve teeth. The guy had a deal 1492 01:11:12.760 --> 01:11:15.920 going on where he was only fifty dollars of two 1493 01:11:16.000 --> 01:11:18.760 through whatever, so it came to like six hundred dollars. 1494 01:11:19.439 --> 01:11:23.359 At that same time I gave him. I had an 1495 01:11:23.399 --> 01:11:26.359 older grille already because from the same time I already 1496 01:11:26.399 --> 01:11:32.119 purchased two cents of twelve teeth. The first ones I lost, 1497 01:11:32.119 --> 01:11:34.439 so I went through him again and got another twelve. 1498 01:11:35.079 --> 01:11:37.560 Then I got him and stuff. But then I got 1499 01:11:37.640 --> 01:11:41.159 like this white gold dust on the front of him. 1500 01:11:41.279 --> 01:11:43.479 Then there's spots that were like seed through. So I 1501 01:11:43.520 --> 01:11:45.560 told him if he could get another layer put on, 1502 01:11:46.039 --> 01:11:48.279 so he said yes that he could, And since I 1503 01:11:48.359 --> 01:11:51.000 went through him, then there's no feet for that or 1504 01:11:51.039 --> 01:11:54.680 eighty sea. So anyway, so he had mike grille plus 1505 01:11:54.800 --> 01:11:57.960 my son's grill. My son did half one at the time. 1506 01:11:58.000 --> 01:12:00.399 He wanted to get it made. So the guy over 1507 01:12:00.479 --> 01:12:02.600 with the mold and all that did it right down 1508 01:12:02.680 --> 01:12:05.319 at my house and stuff, and then we paid him 1509 01:12:05.359 --> 01:12:08.159 the money. So this is back in March. 1510 01:12:08.079 --> 01:12:10.279 And this is how much did you How much did 1511 01:12:10.279 --> 01:12:10.680 you pay? 1512 01:12:13.279 --> 01:12:14.399 Originally for mine? 1513 01:12:14.520 --> 01:12:19.560 I paid eleven my son paid six hundred, but he never. 1514 01:12:23.119 --> 01:12:26.119 Here's what I need to know, Tim. In March, you 1515 01:12:26.199 --> 01:12:30.920 paid up front for grills and and right you you 1516 01:12:30.960 --> 01:12:31.880 were getting new ones. 1517 01:12:31.960 --> 01:12:34.680 Right, I'll just get in. 1518 01:12:34.760 --> 01:12:38.960 Mine layer on to him, another layer of gold added 1519 01:12:39.079 --> 01:12:40.319 to him because they're starting. 1520 01:12:40.039 --> 01:12:40.800 To be fed through. 1521 01:12:41.239 --> 01:12:41.720 I get it. 1522 01:12:41.760 --> 01:12:44.319 But did he take But here's what I need to know, Tim, 1523 01:12:44.359 --> 01:12:48.439 Did he take that old that old grill you had 1524 01:12:48.479 --> 01:12:50.039 to lay on gold? 1525 01:12:51.319 --> 01:12:52.399 Yeah? 1526 01:12:52.479 --> 01:12:58.600 Okay, so he took that. Plus he took payment up front, right, yeah, 1527 01:12:58.760 --> 01:13:02.880 payment for my son, just for your sons. You didn't 1528 01:13:02.880 --> 01:13:06.000 pay him anything, no, because. 1529 01:13:05.760 --> 01:13:07.560 He said that he's gonna do it for a phrase 1530 01:13:07.640 --> 01:13:08.520 and got it ready. 1531 01:13:08.840 --> 01:13:11.720 So what you paid? So you paid up front at 1532 01:13:11.720 --> 01:13:13.800 that time? Six hundred is that right? 1533 01:13:14.960 --> 01:13:15.760 Yeah? 1534 01:13:15.840 --> 01:13:18.640 Okay? Plus plus you gave. 1535 01:13:18.479 --> 01:13:21.560 Him your old grill to be replayed. 1536 01:13:21.680 --> 01:13:22.479 So what happened? 1537 01:13:24.840 --> 01:13:28.680 So, man, he's just been coming up with excuse after excuse. 1538 01:13:29.720 --> 01:13:31.640 Why we haven't received him yet? 1539 01:13:32.199 --> 01:13:32.479 Wow? 1540 01:13:32.680 --> 01:13:34.880 The first time when I dealt with him, then it 1541 01:13:34.960 --> 01:13:38.399 took about two weeks to get it back and everything. 1542 01:13:39.000 --> 01:13:41.439 So I'll just nation it was okay. So and then 1543 01:13:41.479 --> 01:13:43.319 he was coming with excuse me the first time, so 1544 01:13:43.399 --> 01:13:45.319 I just didn't tell him, my son, just hold on 1545 01:13:45.600 --> 01:13:49.880 because sometimes you take them inte. But you'll get him. Watch, 1546 01:13:49.960 --> 01:13:52.399 you'll get him. Because you was promising my son that 1547 01:13:52.479 --> 01:13:56.359 he'd have him for him the next week. So he 1548 01:13:56.479 --> 01:13:59.359 never produced him. He kept on saying, oh my god, 1549 01:13:59.840 --> 01:14:03.039 maybe it's back up in Georgia and the mail and 1550 01:14:03.079 --> 01:14:06.159 all that because they got something going on, and then 1551 01:14:06.359 --> 01:14:08.760 he was saying that he was going to bring him 1552 01:14:08.800 --> 01:14:12.520 back from Georgia. Then he came back in Georgia didn't have. 1553 01:14:12.640 --> 01:14:14.640 Am okay, so what okay? 1554 01:14:14.720 --> 01:14:19.760 So so right now you're missing your original grill. Plus 1555 01:14:19.840 --> 01:14:25.880 your son never got his. Yes, wow that I mean 1556 01:14:26.439 --> 01:14:30.640 even wow. So so he has Noah, he has not 1557 01:14:30.720 --> 01:14:33.239 been able to produce your grill. Even if he didn't 1558 01:14:33.279 --> 01:14:36.039 have the money, he still can't produce yours. 1559 01:14:37.600 --> 01:14:40.119 No, you still can't come up with mine. And I've 1560 01:14:40.119 --> 01:14:42.920 been telling him like, well, just to give me the 1561 01:14:42.920 --> 01:14:46.199 guy's contact who you have them and all that, and 1562 01:14:46.279 --> 01:14:48.479 I could go pick him up with whatever, because he 1563 01:14:48.560 --> 01:14:50.880 was like, well the guy really don't want to send 1564 01:14:50.920 --> 01:14:53.560 him or whatever, because I'm kind of susting going on 1565 01:14:53.680 --> 01:14:56.560 in the mail. I was like, well, I got a 1566 01:14:56.600 --> 01:14:58.720 pre flyer, Miles, I'll fly out there. And I'll go 1567 01:14:58.760 --> 01:14:59.920 pick him up. I'll get a reddle. 1568 01:15:00.680 --> 01:15:03.920 Hey Tim, Tim, how much how much were your how 1569 01:15:04.000 --> 01:15:07.000 much was your original grill that you were having replaited? 1570 01:15:09.079 --> 01:15:09.319 It was? 1571 01:15:10.920 --> 01:15:15.199 Okay, Now what I want to know is how how 1572 01:15:15.279 --> 01:15:25.279 long did you have that one? Five months or so 1573 01:15:25.680 --> 01:15:28.039 and it needed to be replated so soon? 1574 01:15:33.359 --> 01:15:37.439 Cart gold but like on the front of each tube 1575 01:15:37.960 --> 01:15:40.359 they had a little area of it that was white 1576 01:15:40.399 --> 01:15:43.520 gold and they called it diamond does to make it 1577 01:15:43.520 --> 01:15:45.359 look like it had diamonds on there? 1578 01:15:45.840 --> 01:15:46.479 So got it. 1579 01:15:46.520 --> 01:15:47.880 There's got it. 1580 01:15:47.640 --> 01:15:50.359 It was that yellow gold with white gold on it. 1581 01:15:50.479 --> 01:15:51.199 No, I got it. 1582 01:15:51.479 --> 01:15:55.119 So so I think this is an ideal case for 1583 01:15:55.399 --> 01:16:00.680 small claims court because you're you've lost seventeen hundred dollars. 1584 01:16:02.640 --> 01:16:05.319 Oh plus I sent him sixty dollars when he said 1585 01:16:05.399 --> 01:16:07.439 that he could get him next day hair, and he 1586 01:16:07.520 --> 01:16:10.560 said that the guy at the post office right now 1587 01:16:10.720 --> 01:16:12.680 send him the money and he's gonna sit in next 1588 01:16:12.760 --> 01:16:15.000 eight hair. So then I started telling him, okay, well, 1589 01:16:15.039 --> 01:16:17.600 what's the tracking number? After I sent him to sixties. 1590 01:16:18.039 --> 01:16:20.239 Then he sent me a fake tracking number. I was like, 1591 01:16:20.359 --> 01:16:22.199 and I straight shot and said it to him like 1592 01:16:22.239 --> 01:16:23.039 this ain't even. 1593 01:16:25.840 --> 01:16:27.199 Hold on are you still there ten. 1594 01:16:28.279 --> 01:16:30.720 I saw him though, saying like you just suswain to 1595 01:16:30.800 --> 01:16:33.359 talk to him. Then he keeps saying that he's gonna 1596 01:16:33.399 --> 01:16:35.920 start making payments to my son to give him his 1597 01:16:36.039 --> 01:16:38.880 money back, and then about mind, we don't do no 1598 01:16:39.000 --> 01:16:40.960 beat funds. You just have to wait to get your 1599 01:16:41.079 --> 01:16:45.279 krill or yeah, you're gonna have to fly out there 1600 01:16:45.359 --> 01:16:47.439 or something. So I'm like, okay, well I will and 1601 01:16:47.479 --> 01:16:49.800 then he's like, well, I can't get ahold of the guys. 1602 01:16:50.479 --> 01:16:53.159 So yeah, you saw him just saying stuff. Then he 1603 01:16:53.279 --> 01:16:56.880 owns a business in Bubblo where he was doing drills 1604 01:16:56.920 --> 01:17:00.039 out of there as well. So I went on a 1605 01:17:00.039 --> 01:17:04.119 already downloaded the paperwork the file small play. So what 1606 01:17:04.279 --> 01:17:07.279 I like, put his business on there or. 1607 01:17:07.239 --> 01:17:11.399 Like his home and dread you pop both? Well it 1608 01:17:11.560 --> 01:17:13.479 does he have his business out of his home? 1609 01:17:15.239 --> 01:17:15.439 Oh? 1610 01:17:15.479 --> 01:17:17.680 He got the actual shop in its underhare? 1611 01:17:17.760 --> 01:17:20.680 Hey mark what he just put? What he just put 1612 01:17:20.680 --> 01:17:22.600 the guys home? I mean I would do. 1613 01:17:22.840 --> 01:17:25.159 I would sue him as an individual, and then on 1614 01:17:25.199 --> 01:17:29.039 the same paperwork had a second defendant and that's going 1615 01:17:29.119 --> 01:17:30.720 to be the business or vice versa. 1616 01:17:30.880 --> 01:17:32.079 Probably the business first. 1617 01:17:32.119 --> 01:17:34.520 Okay, so both the dresses would be on there, then 1618 01:17:34.560 --> 01:17:36.640 I would serve them right at the business. 1619 01:17:36.720 --> 01:17:39.439 You can't do it, but your wife or girlfriend can 1620 01:17:39.439 --> 01:17:41.880 do it. Your son can't do it, but pretty much 1621 01:17:41.920 --> 01:17:47.000 anybody that it doesn't stand to benefit economically can serve 1622 01:17:47.079 --> 01:17:49.520 him by walking right into his shop and serving him. 1623 01:17:49.600 --> 01:17:53.640 That's it, and then we should probably record it while we. 1624 01:17:53.760 --> 01:17:54.319 Do it right. 1625 01:17:55.399 --> 01:17:56.159 It doesn't matter. 1626 01:17:56.239 --> 01:17:59.000 I mean sometimes yeah, it's kind of it's there's nothing, 1627 01:17:59.039 --> 01:18:00.199 there's no harm in it. 1628 01:18:00.760 --> 01:18:03.680 Tim, does this guy totally ghost you or does he 1629 01:18:03.760 --> 01:18:05.119 ever call voluntarily? 1630 01:18:06.479 --> 01:18:06.560 No? 1631 01:18:06.720 --> 01:18:09.680 He responds and everything, but he just keeps on leading on. 1632 01:18:09.840 --> 01:18:12.319 Like I said, his business March. We're going on almost 1633 01:18:12.319 --> 01:18:13.680 the years now, I know. 1634 01:18:13.840 --> 01:18:16.640 So when you say to him, when you say to him, man, 1635 01:18:16.960 --> 01:18:17.800 enough is enough? 1636 01:18:17.840 --> 01:18:21.760 What does he say? 1637 01:18:23.000 --> 01:18:26.680 Apologizes and I'm sorry and I'm gonna get it for you, 1638 01:18:26.720 --> 01:18:27.439 I promise. 1639 01:18:27.680 --> 01:18:29.720 And him you look on a life, do you care? 1640 01:18:30.079 --> 01:18:30.520 Do you care? 1641 01:18:30.640 --> 01:18:30.920 For you? 1642 01:18:31.000 --> 01:18:36.079 Reach out to him? But oh no, you're more than welcome, Juzanne. 1643 01:18:36.119 --> 01:18:38.680 Let's try to get this character on the phone, and 1644 01:18:38.760 --> 01:18:40.800 if we can't, let's assign it to somebody. 1645 01:18:40.880 --> 01:18:43.960 Tim, I think small claim scored is great, but we 1646 01:18:44.039 --> 01:18:46.359 all should we also should give it a try. 1647 01:18:46.920 --> 01:18:49.039 So hang on, I'm Tom Martino. 1648 01:18:49.159 --> 01:18:51.760 Three oh three seven one three talk seven to one 1649 01:18:51.800 --> 01:18:59.880 three eight two five five Go with a sure thing 1650 01:19:00.239 --> 01:19:02.800 vers best Roofer Excel Roofing dot com. 1651 01:19:02.840 --> 01:19:04.840 You don't pay a cent until you're content. 1652 01:19:08.199 --> 01:19:11.760 Time for an insurance checkup free, no obligation comparison call 1653 01:19:11.880 --> 01:19:15.199 Compass Insurance paying too much your coverage at dozens of 1654 01:19:15.199 --> 01:19:18.159 insurance companies find out now three oh three seven seven 1655 01:19:18.199 --> 01:19:18.439 to one. 1656 01:19:18.520 --> 01:19:18.800 Help. 1657 01:19:18.960 --> 01:19:21.600 You'll think you're his only customer when you choose Frank 1658 01:19:21.680 --> 01:19:24.119 durand the real estate Man dot com to list your 1659 01:19:24.119 --> 01:19:27.319 home with Remax Alliance three oh three nine two zero 1660 01:19:27.399 --> 01:19:28.359 sixteen twenty two. 1661 01:19:29.640 --> 01:19:31.800 Hi Tom Martino, you're troubleshooter. 1662 01:19:32.319 --> 01:19:34.359 I just put this out on YouTube, but I'll put 1663 01:19:34.399 --> 01:19:36.119 it out on my Google Voice. 1664 01:19:36.720 --> 01:19:37.800 Text me if you want. 1665 01:19:37.600 --> 01:19:40.000 To try a video call to the show, because eventually 1666 01:19:40.479 --> 01:19:42.920 what Mark and I would like to do is show 1667 01:19:43.079 --> 01:19:45.920 me the trouble and in addition to the show itself, 1668 01:19:45.960 --> 01:19:49.159 we might do some private feeds where we take callers. 1669 01:19:49.199 --> 01:19:51.119 So we're we're experimenting. 1670 01:19:51.199 --> 01:19:55.000 So if you'd like, what you can do is text 1671 01:19:55.039 --> 01:19:57.079 me at my Google number and then I'll send you 1672 01:19:57.159 --> 01:19:59.560 a link. I only want a few of you right 1673 01:19:59.600 --> 01:20:02.399 now to test it. The way I have it set up, 1674 01:20:03.199 --> 01:20:06.239 four of you would go into the room it's called 1675 01:20:06.279 --> 01:20:09.119 the waiting room, where it's like having you on hold. 1676 01:20:09.520 --> 01:20:13.199 The others would go into a queue, and then I 1677 01:20:13.239 --> 01:20:15.479 would use uh. Then I'll bring it up on the 1678 01:20:15.520 --> 01:20:18.039 air live and I'll do it today, and we'll do 1679 01:20:18.119 --> 01:20:20.239 it on YouTube as well, so you'll be able to 1680 01:20:20.279 --> 01:20:23.119 see it. So you can text me if you're interested, 1681 01:20:23.239 --> 01:20:25.439 just say, you know, you know what you'd like to 1682 01:20:25.479 --> 01:20:29.199 test as a guinea pig. Seven four seven nine nine 1683 01:20:29.279 --> 01:20:36.399 nine fifty two eighty and that's seven four seven eighty. 1684 01:20:36.399 --> 01:20:39.199 That's my Google number, and I'll send you a link. Now. 1685 01:20:39.720 --> 01:20:40.880 Rand has another question. 1686 01:20:41.199 --> 01:20:44.279 He asked about inheritance and how it would affect his Medicare, 1687 01:20:44.800 --> 01:20:48.479 And again that's a question for an accountant, but in general, 1688 01:20:48.880 --> 01:20:51.840 if you make money, they count it. Even if it's 1689 01:20:51.920 --> 01:20:54.960 one time, they count it. They look back two years 1690 01:20:55.000 --> 01:20:59.199 every so two years back your average income. That's what 1691 01:20:59.279 --> 01:21:04.840 they use for determining your be premium. And then it 1692 01:21:04.960 --> 01:21:07.800 drops off if it was a one time thing, and 1693 01:21:07.840 --> 01:21:11.399 it goes back to a lower rate. However, John Jones 1694 01:21:11.439 --> 01:21:14.399 over at Integrant Insurance dot com said, you can petition 1695 01:21:15.119 --> 01:21:19.239 medicare to not to count that if it was a 1696 01:21:19.279 --> 01:21:20.479 one time inheritance. 1697 01:21:20.720 --> 01:21:22.640 Go ahead, Ran You have another question. 1698 01:21:23.399 --> 01:21:26.680 Yeah, the question is I spoke to a realtor and 1699 01:21:27.159 --> 01:21:31.439 they told me, because this cabin only has a woodburning 1700 01:21:31.600 --> 01:21:35.479 stove and it's a large woodburn stove for heat, that 1701 01:21:35.960 --> 01:21:40.079 a buyer could not qualify for a loan on that cabin. 1702 01:21:40.199 --> 01:21:42.039 That would have to be a cash sale. 1703 01:21:43.000 --> 01:21:46.520 I love when realtors get into the money, the money business. 1704 01:21:47.079 --> 01:21:51.079 What they're trying to say is under most traditional mortgages 1705 01:21:51.800 --> 01:21:55.359 might not qualify by that doesn't stop people from borrowing 1706 01:21:55.439 --> 01:21:58.760 money or paying cash for it. So don't let these realtors, 1707 01:21:59.000 --> 01:22:00.479 you know, pooh pooh idea. 1708 01:22:00.680 --> 01:22:05.239 However, however, a lot of conventional mortgages, they have what's 1709 01:22:05.319 --> 01:22:09.439 called conventions because they have to sell the mortgage. 1710 01:22:08.960 --> 01:22:10.520 Bonds on an open market. 1711 01:22:10.960 --> 01:22:15.199 That would mean that they probably will not finance an 1712 01:22:15.239 --> 01:22:21.560 off grid cabin. They probably won't finance anything that has 1713 01:22:21.720 --> 01:22:26.880 too much land, or they won't finance a non conventional 1714 01:22:26.960 --> 01:22:30.960 home most of them. But there are some lenders that 1715 01:22:31.119 --> 01:22:35.079 will do, like tiny homes and different kinds of homes, 1716 01:22:35.800 --> 01:22:39.800 Hunting cabins, mining claims you have to find the right lender. Now, 1717 01:22:39.840 --> 01:22:42.600 if you can't, as Mark said, there's always you know, 1718 01:22:42.680 --> 01:22:45.560 you can do hard money lending, Which is this. 1719 01:22:45.680 --> 01:22:48.479 Most likely is going to be someone's getaway. This isn't 1720 01:22:48.520 --> 01:22:51.000 going to be their residence. So I would assume it's 1721 01:22:51.039 --> 01:22:52.840 going to be a cash deal, or they can pull 1722 01:22:52.920 --> 01:22:55.600 money out of their primary residents to pay for it, 1723 01:22:55.680 --> 01:22:58.000 or get a signature a loan, because this is not 1724 01:22:58.039 --> 01:22:59.520 going to be a traditional deal. 1725 01:23:00.119 --> 01:23:02.920 Well, what I'm saying is it doesn't have to be 1726 01:23:02.960 --> 01:23:07.720 their primary residence to get a conventional loan. However, conventional loans, 1727 01:23:07.920 --> 01:23:10.119 they don't care if it's a primary residence or not. 1728 01:23:10.560 --> 01:23:15.600 What they care about are the the regulations to sell 1729 01:23:15.640 --> 01:23:19.680 that note of course, So that's where it would become. 1730 01:23:20.560 --> 01:23:23.399 Somebody would get an equity loan, or somebody would get 1731 01:23:23.439 --> 01:23:27.439 money or just invest in it. But you're as I remember, 1732 01:23:27.479 --> 01:23:31.079 you're talking it could be two hundred and fifty grand, right, right, 1733 01:23:31.279 --> 01:23:32.039 But what. 1734 01:23:32.319 --> 01:23:35.119 Would qualify as a second source of heat, you know, just. 1735 01:23:35.359 --> 01:23:36.199 Just on paperent? 1736 01:23:36.319 --> 01:23:39.640 You mean you mean, what would what would allow people 1737 01:23:39.680 --> 01:23:42.279 to get a conventional loan? You'd have to ask a 1738 01:23:42.359 --> 01:23:45.800 lender for that, because you have more than just the 1739 01:23:45.840 --> 01:23:49.279 heat to worry about. Some lenders will not lend on 1740 01:23:49.399 --> 01:23:51.520 an off grid home at all. 1741 01:23:52.840 --> 01:23:54.640 Okay, I mean some will. 1742 01:23:54.760 --> 01:23:57.600 We can get Brent Ivenson back. Actually, let's do that. 1743 01:23:57.960 --> 01:24:00.640 Let's ask about that convention alone. 1744 01:24:01.119 --> 01:24:03.640 We'll do that, So hang on three all three, thank you, 1745 01:24:03.680 --> 01:24:05.439 seven to one three talk. We'll get some money on 1746 01:24:05.479 --> 01:24:07.720 to try to answer that, sus Let's see if friends 1747 01:24:07.760 --> 01:24:10.079 around real quick three O three seven one three eight 1748 01:24:10.119 --> 01:24:15.279 two five five. Now Ray has a couple questions. Go ahead, 1749 01:24:15.359 --> 01:24:17.720 Ray and Tim, I think we have. We're checking on 1750 01:24:17.800 --> 01:24:21.199 that guy with the grills for you and your son. Ray, 1751 01:24:21.279 --> 01:24:22.479 what are your questions, sir? 1752 01:24:23.840 --> 01:24:28.439 You know my questions are concerning social Security, yes, sir, 1753 01:24:28.520 --> 01:24:31.880 and with my survivor benefits. 1754 01:24:32.239 --> 01:24:33.560 Okay, what do you need to know? 1755 01:24:35.000 --> 01:24:38.439 What I recently did? Was I applied at sixty seven? 1756 01:24:39.119 --> 01:24:44.439 I applied for spousal benefits and they paid me. 1757 01:24:45.399 --> 01:24:49.520 Now, you wanted spousal benefits because you were married to 1758 01:24:49.600 --> 01:24:54.640 someone for ten years or longer and they are on 1759 01:24:54.760 --> 01:24:55.720 Social Security? 1760 01:24:55.760 --> 01:24:56.279 Is that right? 1761 01:24:57.359 --> 01:24:58.079 That's correct? 1762 01:24:58.079 --> 01:25:01.560 But she died at the ag age of fifty five, 1763 01:25:02.640 --> 01:25:04.079 so were. 1764 01:25:03.880 --> 01:25:05.960 You married for at least ten years? 1765 01:25:06.840 --> 01:25:07.000 Oh? 1766 01:25:07.079 --> 01:25:08.960 Yes, okay, go ahead. 1767 01:25:09.840 --> 01:25:21.000 And my question is calculating delayed retirement credits. My understanding 1768 01:25:21.119 --> 01:25:27.039 is it's six six months. They can go back and. 1769 01:25:27.439 --> 01:25:28.880 Uh, I'm not sure what. 1770 01:25:28.960 --> 01:25:32.039 I'm not sure what you're referring to when you said delayed, 1771 01:25:32.279 --> 01:25:33.640 what are you talking about? 1772 01:25:35.119 --> 01:25:38.560 So when I applied, I was I was late. I 1773 01:25:38.640 --> 01:25:45.920 turned sixty seven in uh two thousand seventeen. 1774 01:25:47.439 --> 01:25:48.960 Yeah, let me get this, let. 1775 01:25:48.880 --> 01:25:50.720 Me get this right here. Hold on a second. 1776 01:25:53.279 --> 01:25:58.560 My understanding was if I if I apply after I'm 1777 01:25:58.840 --> 01:25:59.960 sixty seven. 1778 01:26:01.159 --> 01:26:05.760 Or I'm sorry, sixty six and a half. Yeah, that's 1779 01:26:05.880 --> 01:26:11.119 my full retirement age. Yeah, because I was on fifty seven, so. 1780 01:26:12.840 --> 01:26:18.840 I'm entitled to, what I understand, six months of backpay. 1781 01:26:19.920 --> 01:26:20.880 Now they paid me. 1782 01:26:21.279 --> 01:26:26.279 Oh, you're saying because because you did not file right 1783 01:26:26.439 --> 01:26:29.720 at your age, that they have to go back and 1784 01:26:29.760 --> 01:26:33.039 do retroactive from when you would have been when you 1785 01:26:33.079 --> 01:26:34.199 would have been eligible. 1786 01:26:35.199 --> 01:26:35.560 Yeah. 1787 01:26:35.640 --> 01:26:39.000 So my understanding is at sixty six and a half, 1788 01:26:39.439 --> 01:26:45.840 which was January of twenty twenty four, I would be 1789 01:26:45.920 --> 01:26:48.640 eligible for six months they get now. They gave me 1790 01:26:48.840 --> 01:26:53.079 four months, okay, yeah, which which is nice. 1791 01:26:53.399 --> 01:26:54.520 Okay, but. 1792 01:26:56.600 --> 01:26:59.199 They didn't give me six months. 1793 01:26:59.199 --> 01:27:02.079 And I've okay now is there is there a reason. 1794 01:27:02.359 --> 01:27:04.760 Do you understand why? I mean, did they explain it 1795 01:27:04.800 --> 01:27:05.079 to you? 1796 01:27:06.119 --> 01:27:10.760 No, No, they didn't. They just said we're willing to 1797 01:27:10.800 --> 01:27:11.840 give you this much. 1798 01:27:12.199 --> 01:27:14.880 Yeah, but that's that's weird that it's kind of negotiating. 1799 01:27:15.239 --> 01:27:17.920 If you were eligible, as you said, you were eligible 1800 01:27:17.960 --> 01:27:18.800 at sixty six and. 1801 01:27:18.800 --> 01:27:22.439 A half, is that right correct? Okay? 1802 01:27:22.680 --> 01:27:25.239 If you were eligible at sixty six and a half, 1803 01:27:25.760 --> 01:27:30.279 they provide you six months. Okay, So so were you 1804 01:27:30.359 --> 01:27:33.600 sixty seven and a half or were you sixty seven even? 1805 01:27:36.359 --> 01:27:38.359 Oh, let me see here. 1806 01:27:38.960 --> 01:27:41.239 Because they'll go right to the they'll go right to 1807 01:27:41.279 --> 01:27:41.760 the penny. 1808 01:27:42.800 --> 01:27:43.239 Okay. 1809 01:27:43.560 --> 01:27:47.520 I was born in June of fifty seven, so it's 1810 01:27:47.760 --> 01:27:51.920 as sixty sixth and a half in January of this year, 1811 01:27:52.880 --> 01:27:57.600 I would have been qualified to a six months. 1812 01:27:57.800 --> 01:27:58.000 Here. 1813 01:27:58.079 --> 01:28:00.039 Let me make this, let me make this easy for you. 1814 01:28:00.159 --> 01:28:06.479 Okay, you're you might receive six months, depending on when 1815 01:28:06.520 --> 01:28:07.079 you file. 1816 01:28:07.159 --> 01:28:07.600 Okay. 1817 01:28:08.159 --> 01:28:11.760 If you file, they go back from the date of filing, 1818 01:28:12.439 --> 01:28:19.640 back to when you were eligible. Okay, And they and 1819 01:28:19.720 --> 01:28:23.439 what they did with you said they said to you 1820 01:28:23.439 --> 01:28:26.880 your date of filing was six months, but you only 1821 01:28:26.920 --> 01:28:29.520 got four months. I can see no reason why they 1822 01:28:29.520 --> 01:28:32.439 did that. I can see absolutely no reason for it. 1823 01:28:33.600 --> 01:28:37.720 Well, you know what, I agree with you, that's what. 1824 01:28:38.199 --> 01:28:39.359 It doesn't make sense. 1825 01:28:40.239 --> 01:28:42.119 Well, then you need to you need to make an 1826 01:28:42.159 --> 01:28:45.319 appointment at the office and find out why they did that. 1827 01:28:45.680 --> 01:28:49.039 They have to give you an explanation. If you're eligible 1828 01:28:49.079 --> 01:28:51.880 at sixty six and a half and you file at 1829 01:28:51.960 --> 01:28:55.479 sixty seven, you have six months of retroactivity. 1830 01:28:56.520 --> 01:28:57.279 That's correct. 1831 01:28:57.560 --> 01:29:01.199 I agree, right, okay, right, so we're in a grands here. 1832 01:29:01.479 --> 01:29:03.159 Now here's my second question. 1833 01:29:04.119 --> 01:29:06.800 But why did they offer when they offered you four months? 1834 01:29:06.840 --> 01:29:08.159 Did they explain why? 1835 01:29:09.600 --> 01:29:17.079 You know what, doug onnet I didn't question them, okay, okay. 1836 01:29:16.840 --> 01:29:19.920 D make an appointment to find out why call us back? 1837 01:29:20.159 --> 01:29:21.640 What is your second question, sir? 1838 01:29:23.000 --> 01:29:30.479 It concerns a product called Windexing p i A. Now, 1839 01:29:30.520 --> 01:29:35.479 what use is a very strange program? Where all right, 1840 01:29:35.560 --> 01:29:41.039 my wife what you helped me with when she passed away, 1841 01:29:41.199 --> 01:29:43.880 you helped me back in twenty fifteen, And. 1842 01:29:44.079 --> 01:29:47.279 What is this thing you referenced? Was it called indexting. 1843 01:29:48.760 --> 01:29:51.840 It's called windexing. 1844 01:29:51.399 --> 01:29:52.039 P i A. 1845 01:29:53.159 --> 01:29:55.359 What is what is it referring to? 1846 01:29:57.000 --> 01:29:57.720 Uh? 1847 01:29:58.199 --> 01:30:03.479 Since a certain amount period has gone back that you 1848 01:30:03.640 --> 01:30:11.079 receive additional credits because of time. You know, she died 1849 01:30:11.079 --> 01:30:18.520 in twenty fifteen, but they give me a number, you know, 1850 01:30:18.640 --> 01:30:19.920 based off of her. 1851 01:30:21.239 --> 01:30:24.079 Dying today. 1852 01:30:25.399 --> 01:30:29.600 They're saying that with WIT indexing PIA, it's used. 1853 01:30:29.439 --> 01:30:32.760 To calculate a widow's benefit from when their number holder 1854 01:30:32.880 --> 01:30:37.239 dies before reaching the age of sixty two exactly. 1855 01:30:37.880 --> 01:30:42.960 And she was five, and so there seems to be 1856 01:30:43.039 --> 01:30:47.279 no additional credit towards the fact that she died at 1857 01:30:47.319 --> 01:30:53.319 a younger age than sixty whatever I'm asking, am I 1858 01:30:53.720 --> 01:30:59.319 entitled to additional credits? And this seems to be a 1859 01:30:59.680 --> 01:31:03.159 I mean, I read this stuff and it's oh, I mean, 1860 01:31:03.199 --> 01:31:06.760 it's just so hard to understand. And that's why I'm 1861 01:31:06.800 --> 01:31:09.840 asking you guys, if you can't figure out. 1862 01:31:10.119 --> 01:31:13.640 No, no, no, listen, listen, listen, listen. I kind of remember 1863 01:31:13.640 --> 01:31:18.520 this from my studies, but they you're making it way 1864 01:31:18.560 --> 01:31:24.359 more complicated. They all they do is that there's an 1865 01:31:24.399 --> 01:31:27.920 alternate means of calculating your benefit and you get to 1866 01:31:27.960 --> 01:31:33.239 take what's more. Okay, so you can just the eligibility 1867 01:31:33.319 --> 01:31:38.920 year and to but but to go back thirty five 1868 01:31:39.000 --> 01:31:44.760 years of earnings and then it's adjusted for inflation and 1869 01:31:44.800 --> 01:31:46.239 then there's an amount. 1870 01:31:46.960 --> 01:31:47.800 So I don't. 1871 01:31:49.199 --> 01:31:53.439 Yeah, so I don't understand how that would affect you 1872 01:31:53.920 --> 01:31:56.239 if no matter how old she was, it goes back 1873 01:31:56.319 --> 01:32:02.640 thirty five years, right, you of earning, that's what they do. 1874 01:32:02.760 --> 01:32:06.079 So what is what are you asking? That's what they 1875 01:32:06.119 --> 01:32:06.920 did for you? Right? 1876 01:32:07.680 --> 01:32:11.520 Well, basically it says the widower's hold on the widower's 1877 01:32:11.600 --> 01:32:15.720 indexing or the windexes he calls it, and this article 1878 01:32:15.760 --> 01:32:16.840 calls it there too. 1879 01:32:17.359 --> 01:32:18.000 Is it? 1880 01:32:18.000 --> 01:32:21.000 It's basically used if you lose your spouse at an 1881 01:32:21.039 --> 01:32:25.760 early age, right, they're saying, they're basically saying there's times 1882 01:32:25.800 --> 01:32:28.920 where the calculation for benefits would have been higher if 1883 01:32:28.960 --> 01:32:32.039 they died at a older age. So they have some 1884 01:32:32.159 --> 01:32:35.560 kind of formula, some kind of math that basically goes 1885 01:32:35.600 --> 01:32:40.199 in there and possibly will get the spouse or the 1886 01:32:40.239 --> 01:32:44.840 living person more money based upon this this math. 1887 01:32:45.079 --> 01:32:46.720 Does that make a little more sense in them? 1888 01:32:47.079 --> 01:32:50.520 But the math, what the math is, sir, is they 1889 01:32:50.560 --> 01:32:54.600 look at her increases over time and they apply a 1890 01:32:54.680 --> 01:32:55.600 formula to it. 1891 01:32:55.800 --> 01:32:59.319 Yeah, to see, so you're not penalized for her dying earlier. 1892 01:33:00.600 --> 01:33:04.119 But it's it's you know what, both of you are correct? 1893 01:33:05.039 --> 01:33:09.119 You know what I just want to know? I? 1894 01:33:09.439 --> 01:33:12.000 Well, well, the only people that can tell you that 1895 01:33:12.119 --> 01:33:16.199 are them you have. I mean, you're assuming they did 1896 01:33:16.199 --> 01:33:17.760 not give you the correct amount? 1897 01:33:17.800 --> 01:33:18.319 Is that right? 1898 01:33:19.640 --> 01:33:22.920 You know I'm assuming I'm asking, but you know what 1899 01:33:23.359 --> 01:33:25.079 I've asked three times. 1900 01:33:25.079 --> 01:33:27.520 Listen, I got to take a break. We can wrap 1901 01:33:27.560 --> 01:33:34.720 this up right after this. I'm Tom Martine. Go with 1902 01:33:34.800 --> 01:33:38.359 a sure thing Denver's best roofer Excel Roofing dot com. 1903 01:33:38.399 --> 01:33:44.119 You don't pay a cent until you're content. Time for 1904 01:33:44.159 --> 01:33:47.359 an insurance check up free, no obligation. In comparison, call 1905 01:33:47.439 --> 01:33:50.760 Compass Insurance paying too much your coverage at dozens of 1906 01:33:50.800 --> 01:33:53.720 insurance companies find out now three O three seven seven 1907 01:33:53.840 --> 01:33:56.600 one help. You'll think you're his only customer when you 1908 01:33:56.680 --> 01:33:59.119 choose Frank durand the real estate Man dot com to 1909 01:33:59.199 --> 01:34:02.439 list your home with Remax Alliance three all three nine 1910 01:34:02.439 --> 01:34:09.720 two zero sixteen twenty two. Hi Tom Martino, your troubleshooter 1911 01:34:09.800 --> 01:34:12.640 three all three seven to one three talk three all 1912 01:34:12.720 --> 01:34:16.800 three seven one three eight two five five ray Listen. 1913 01:34:18.119 --> 01:34:20.720 What we're doing on the air about Social Security spousal 1914 01:34:20.800 --> 01:34:25.880 benefits gets very very complicated and cumbersome, and bottom line 1915 01:34:25.960 --> 01:34:29.520 is you should get six months retroactive from the time 1916 01:34:29.560 --> 01:34:31.600 you're eligible to the time you apply. 1917 01:34:31.960 --> 01:34:34.319 You applied six months after you were eligible. 1918 01:34:34.640 --> 01:34:37.920 And there is a formula for people who die prematurely 1919 01:34:38.319 --> 01:34:40.800 to figure out if the benefit would have been more 1920 01:34:41.039 --> 01:34:42.840 had they lived to retirement age. 1921 01:34:43.039 --> 01:34:44.920 However, we can't do that for you. 1922 01:34:44.960 --> 01:34:47.399 What we can tell you is, yes, you're entitled to 1923 01:34:47.439 --> 01:34:51.279 both of those, and make an appointment with Social Security 1924 01:34:51.319 --> 01:34:54.159 if you don't think you're getting the proper benefit. 1925 01:34:54.279 --> 01:34:55.159 It's that simple. 1926 01:34:55.560 --> 01:35:00.920 We we really can't, you know, we really can't go 1927 01:35:01.000 --> 01:35:04.000 beyond that. Three oh three seven one three talks seven 1928 01:35:04.039 --> 01:35:06.880 one three A two five five Brent Ivanson Ideal Home Loans. 1929 01:35:07.359 --> 01:35:11.760 We did have a question for Brent, and it has 1930 01:35:11.880 --> 01:35:16.880 to do with this one that we uh. 1931 01:35:16.600 --> 01:35:19.600 With Rand online three times going to Ran right now. 1932 01:35:19.640 --> 01:35:24.840 He inherited an off grid eleven hundred square foot cabin 1933 01:35:25.319 --> 01:35:29.399 self contained about a two hundred and fifty thousand dollars value. 1934 01:35:30.600 --> 01:35:34.439 Rand. You have power in there, right, you have solar 1935 01:35:34.520 --> 01:35:35.319 power right. 1936 01:35:36.119 --> 01:35:39.439 Yes, and you have you have heat and you have 1937 01:35:39.479 --> 01:35:43.680 wood stove for heat right right? And you want and 1938 01:35:44.119 --> 01:35:46.039 you want to know will someone be able to get 1939 01:35:46.079 --> 01:35:47.119 a loan on it if. 1940 01:35:46.960 --> 01:35:47.840 You want to sell it? 1941 01:35:48.319 --> 01:35:53.000 So, Brent, what our lenders afraid of off grid systems. 1942 01:35:54.399 --> 01:35:57.039 Well, it's not necessarily they're afraid of the off grid system. 1943 01:35:57.079 --> 01:36:00.520 The challenge becomes finding a comparable sale to be able 1944 01:36:00.600 --> 01:36:01.279 to value it. 1945 01:36:01.560 --> 01:36:04.119 That's where you run into the issues on the appraisal. 1946 01:36:03.680 --> 01:36:04.319 Side of things. 1947 01:36:04.760 --> 01:36:07.399 So they'll look at it and say, okay, you know again, 1948 01:36:07.479 --> 01:36:10.680 even though I realized when you sell a house, buyer 1949 01:36:10.720 --> 01:36:13.199 sets the market based and the price they're willing to pay. However, 1950 01:36:13.520 --> 01:36:15.439 if that buyer is getting a loan, they're going to 1951 01:36:15.479 --> 01:36:18.039 want an appraisal done on that house as well, and 1952 01:36:18.079 --> 01:36:19.680 that's where you start to run into some of these 1953 01:36:19.680 --> 01:36:22.359 trickier properties. For example, you know, we run into this 1954 01:36:22.479 --> 01:36:25.520 with log cabins sometimes up in the mountains, where it's hey, yeah, 1955 01:36:25.520 --> 01:36:28.119 it's totally functional. Everything's great, but trying to find a 1956 01:36:28.239 --> 01:36:31.800 compt and being able to value it becomes the issue 1957 01:36:31.800 --> 01:36:32.840 on the appraisal side. 1958 01:36:32.840 --> 01:36:33.560 Now, it's not to. 1959 01:36:33.479 --> 01:36:35.960 Say that it isn't doable. We just have to take 1960 01:36:35.960 --> 01:36:37.279 a look at it and kind of say, hey, you know, 1961 01:36:37.359 --> 01:36:40.359 is there anything around like it that's sold recently or 1962 01:36:40.680 --> 01:36:42.359 you know again, we can go outside of your normal 1963 01:36:42.399 --> 01:36:45.479 six months range. We can expand that open and expand 1964 01:36:45.520 --> 01:36:48.479 the mileage range up as well, so some matter trying 1965 01:36:48.520 --> 01:36:50.880 to find something else that's similar that's sold to be 1966 01:36:50.880 --> 01:36:53.640 able to say, here's what the overall market. 1967 01:36:53.319 --> 01:36:53.960 Worth of it is. 1968 01:36:54.359 --> 01:36:57.399 So if you can show it has market value, you 1969 01:36:57.479 --> 01:36:58.600 can loan accordingly. 1970 01:36:58.720 --> 01:37:03.359 Basically, yes, absolutely, and then even you know even furthermore 1971 01:37:03.600 --> 01:37:05.840 what you'll find too with properties like this, you know, 1972 01:37:06.359 --> 01:37:09.199 these world properties, we'll find if it's something that Fanny 1973 01:37:09.239 --> 01:37:12.520 May Freddie mac Via faha don't like. You know, we 1974 01:37:12.520 --> 01:37:14.039 can kind of point you in the direction of a 1975 01:37:14.039 --> 01:37:16.359 local bank that probably has an appetite for that and 1976 01:37:16.399 --> 01:37:18.800 be willing to look at it and do something on 1977 01:37:18.840 --> 01:37:19.800 a make sense basis. 1978 01:37:19.800 --> 01:37:20.840 But yeah, you can get it done. 1979 01:37:20.880 --> 01:37:23.319 It's just again finding a comp and finding what the 1980 01:37:23.359 --> 01:37:24.520 thing is ultimately worth. 1981 01:37:24.800 --> 01:37:27.640 And wouldn't an appraisal. Wouldn't an appraiser be the best 1982 01:37:27.640 --> 01:37:28.199 one to do that? 1983 01:37:29.399 --> 01:37:31.760 Yes, absolutely, that's exactly who we'll do it. But what 1984 01:37:31.800 --> 01:37:34.239 we run into with them is they'll look at it 1985 01:37:34.239 --> 01:37:36.479 and say, look, we don't have anything that is like 1986 01:37:36.560 --> 01:37:39.560 this property, so we don't know how to value it. 1987 01:37:39.640 --> 01:37:42.279 Because what they'll do is use comparables in every appraisal 1988 01:37:42.560 --> 01:37:44.680 to be able to come up and substantiate the value 1989 01:37:44.680 --> 01:37:45.920 of the property when you're. 1990 01:37:45.840 --> 01:37:48.600 Lending, so you see rand, it's not so much what 1991 01:37:48.800 --> 01:37:52.359 kind of heat you have, or what kind of electricity 1992 01:37:52.359 --> 01:37:54.279 you have, or whether it's on grid or off grid. 1993 01:37:54.399 --> 01:37:57.119 It's comparables. That's what counts comparables. 1994 01:37:57.279 --> 01:38:00.520 Here, here's another question, because that we have it was 1995 01:38:00.520 --> 01:38:03.560 built forty years ago and now it's it's surrounded by 1996 01:38:03.640 --> 01:38:08.479 large homes. They did scrapes and built large rooms on 1997 01:38:08.560 --> 01:38:11.520 those properties where cavils used to be. Is that going 1998 01:38:11.560 --> 01:38:13.920 to be another problem? 1999 01:38:14.279 --> 01:38:17.039 Well, it just depends on what's around it. Again, it's 2000 01:38:17.079 --> 01:38:20.159 gonna you know, we'll go outside of the immediate outlying 2001 01:38:20.239 --> 01:38:23.159 area just because of the uniqueness of the property itself 2002 01:38:23.600 --> 01:38:27.000 and try and find something else that's like it. You know, 2003 01:38:27.079 --> 01:38:29.279 obviously the stuff right around it that's been scraped and 2004 01:38:29.319 --> 01:38:31.039 big homes have been built, that's not going to do 2005 01:38:31.119 --> 01:38:33.600 us any good because it's not a like property. Right, 2006 01:38:33.680 --> 01:38:35.079 take a look at it in the appraiser. 2007 01:38:35.479 --> 01:38:37.079 Would that devalue the property? 2008 01:38:39.399 --> 01:38:40.159 No, it could. 2009 01:38:40.279 --> 01:38:42.960 It could actually increase the value if the land, if 2010 01:38:43.000 --> 01:38:44.359 the lot's worth a lot of money. 2011 01:38:45.479 --> 01:38:46.000 Yeah, right. 2012 01:38:46.000 --> 01:38:47.520 You may have somebody that comes in and says I 2013 01:38:47.600 --> 01:38:49.880 just want to scrape it and build, you know, build 2014 01:38:49.880 --> 01:38:51.359 a house. And this is where you're willing the page 2015 01:38:51.399 --> 01:38:52.159 to just get the dirt. 2016 01:38:52.880 --> 01:38:54.359 So listen, here's what you need to do. 2017 01:38:54.479 --> 01:38:56.840 Start with Ideal Home Loans three oh three eight six 2018 01:38:56.960 --> 01:39:00.479 seven seven thousand Ideal Home Loans dot com or coming up, 2019 01:39:06.479 --> 01:39:09.720 Go with a sure thing Denver's Best Roofer Excel Roofing 2020 01:39:09.840 --> 01:39:10.399 dot com. 2021 01:39:10.439 --> 01:39:12.439 You don't pay a cent until you're content. 2022 01:39:15.840 --> 01:39:19.399 Time for an insurance checkup free no obligation comparison call 2023 01:39:19.520 --> 01:39:22.800 Compass Insurance paying too much your coverage at dozens of 2024 01:39:22.840 --> 01:39:25.800 insurance companies find out now three oh three seven seven 2025 01:39:25.800 --> 01:39:28.600 to one help. You'll think you're his only customer when 2026 01:39:28.600 --> 01:39:31.079 you choose Frank durand the real estate Man dot com 2027 01:39:31.119 --> 01:39:34.239 to list your home with Remax Alliance three oh three 2028 01:39:34.319 --> 01:39:40.960 nine two zero sixteen twenty two. Hi Tom Martino, your 2029 01:39:41.199 --> 01:39:43.960 troubleshooter three oh three seven ONETHS you talk Tim, We 2030 01:39:44.000 --> 01:39:44.920 haven't forgot about you. 2031 01:39:44.960 --> 01:39:46.239 Do you have an update on that series? 2032 01:39:46.399 --> 01:39:48.520 Well, uh, Tom, I've tried the number a couple of 2033 01:39:48.560 --> 01:39:51.520 times and it goes to an automated message that says 2034 01:39:51.560 --> 01:39:53.319 that number is not accepting calls. 2035 01:39:53.359 --> 01:39:56.119 And Tim didn't have another number for him, so we 2036 01:39:56.199 --> 01:39:58.800 might want to try a jeopardy on it. I'm not sure, Tim, 2037 01:39:58.800 --> 01:39:59.119 if you. 2038 01:39:59.119 --> 01:40:00.760 Did go to small C James Swirt, you do have 2039 01:40:00.800 --> 01:40:06.239 his address, right, He's got a shop, right, So. 2040 01:40:06.319 --> 01:40:07.600 Tim, Yeah I got this. 2041 01:40:08.279 --> 01:40:10.439 Yeah, I just got it off the Google thing. I'm 2042 01:40:10.439 --> 01:40:12.680 not sure if that's his current address or what. 2043 01:40:12.720 --> 01:40:16.039 But yeah, he may he may not even be there. 2044 01:40:16.199 --> 01:40:19.920 It sounds like this guy has pulled a ghost. 2045 01:40:22.439 --> 01:40:25.039 I mean, you'll respond when he wants, and then, like 2046 01:40:25.079 --> 01:40:28.039 I said, then you'll be real apologetic and like make 2047 01:40:28.079 --> 01:40:29.840 you feel sorry for him. He's supposed to be like 2048 01:40:29.880 --> 01:40:34.720 a Christian guy and all this stuff. Even in the 2049 01:40:34.760 --> 01:40:37.479 meantime between the time while I've been weighing, while me 2050 01:40:37.520 --> 01:40:41.039 and my son's been weighing. Then he even got like 2051 01:40:41.039 --> 01:40:43.439 a twenty thousand dollars settlement because he got hit by 2052 01:40:43.439 --> 01:40:45.800 a car and everything that he sent me in like yeah, 2053 01:40:45.880 --> 01:40:48.479 look at the positive the bank and I'm like, okay, 2054 01:40:48.520 --> 01:40:50.319 well let us get the money. Then he's like, well 2055 01:40:50.359 --> 01:40:52.960 I can't cash if my wife's out of state and 2056 01:40:53.039 --> 01:40:55.520 this and that, and so yeah, he just comes with 2057 01:40:55.600 --> 01:40:59.720 a scute after stute after excuse the other thing. I 2058 01:40:59.720 --> 01:41:04.079 was gonna have is if I put the claim it. 2059 01:41:04.560 --> 01:41:07.520 They not put the price on like the cheapest price. 2060 01:41:07.560 --> 01:41:09.479 Who costs to get them replaced me? 2061 01:41:12.199 --> 01:41:14.760 Well, first of all, the six hundred's easy because your 2062 01:41:14.760 --> 01:41:18.119 son paid six hundred for you. It would be the 2063 01:41:18.199 --> 01:41:22.399 replacement value, yes, but it wouldn't be replacement for brand new. 2064 01:41:22.439 --> 01:41:26.560 You'd have to be somewhat reasonable for sure what you 2065 01:41:26.680 --> 01:41:29.840 paid for it. Maybe a little more if it's going 2066 01:41:29.880 --> 01:41:31.239 to cost more to replace him. 2067 01:41:31.560 --> 01:41:32.560 Because the guy's not. 2068 01:41:32.520 --> 01:41:35.000 Gonna show up anyway, you're gonna get a default judgment, 2069 01:41:35.119 --> 01:41:37.479 have to go to collections. I fear you may have 2070 01:41:37.560 --> 01:41:40.319 lost all of this if we can't find them. Now, 2071 01:41:40.359 --> 01:41:42.880 we can try to put somebody on it. Let's put 2072 01:41:42.920 --> 01:41:45.800 one of the deputies on it to keep going after them. 2073 01:41:45.800 --> 01:41:50.680 Hold on, go with a sure thing Denver's Best Roofer 2074 01:41:50.800 --> 01:41:52.279 Excel roofing dot com. 2075 01:41:52.359 --> 01:41:54.359 You don't pay a cent until you're content. 2076 01:41:57.720 --> 01:42:00.920 Time for an insurance check up free, no obligate comparison 2077 01:42:01.039 --> 01:42:04.600 call Compass Insurance. Pay too much your coverage at dozens 2078 01:42:04.640 --> 01:42:07.359 of insurance companies find out now three oh three, seven 2079 01:42:07.479 --> 01:42:10.279 seven to one help. You'll think you're his only customer 2080 01:42:10.319 --> 01:42:12.560 when you choose Frank durand the real estate Man dot 2081 01:42:12.600 --> 01:42:15.920 com to list your home with Remax Alliance three oh 2082 01:42:15.960 --> 01:42:24.600 three nine two zero sixteen twenty two. 2083 01:42:23.439 --> 01:42:24.000 Ripped of. 2084 01:42:25.720 --> 01:42:32.319 Need advice so you don't have come running shous as 2085 01:42:32.399 --> 01:42:36.600 fast as we can, Shooter's gonna help come. 2086 01:42:37.199 --> 01:42:42.359 Man six is the Troubleshooter Show. Now, Tom Martino? 2087 01:42:42.960 --> 01:42:46.520 Okay, Tom Martino here three oh three seven one three 2088 01:42:46.640 --> 01:42:49.840 talk three oh three seven one three eight two five 2089 01:42:50.000 --> 01:42:53.399 five drum roll please. We we are trying our first 2090 01:42:53.439 --> 01:42:56.039 video call, and of course you'll hear it on radio 2091 01:42:56.119 --> 01:42:58.800 as well, and it's going out to our streams. 2092 01:42:58.880 --> 01:43:00.399 So I'm gonna bring them up in a second. 2093 01:43:00.439 --> 01:43:00.600 Here. 2094 01:43:00.680 --> 01:43:03.520 He was kind enough to call in and be one 2095 01:43:03.560 --> 01:43:06.279 of our guinea pigs here, and I think I can 2096 01:43:06.319 --> 01:43:09.279 still say guinea pig right because that's in Okay, So 2097 01:43:09.680 --> 01:43:12.520 let's try this. I'll bring him up full screen. First 2098 01:43:12.520 --> 01:43:14.600 of all, there you are, you're on say something, sir 2099 01:43:15.960 --> 01:43:16.479 in morning? 2100 01:43:17.319 --> 01:43:17.560 Yes? 2101 01:43:18.119 --> 01:43:19.920 Looking good? Does he sound okay? 2102 01:43:20.000 --> 01:43:20.479 Thank you sir? 2103 01:43:20.920 --> 01:43:23.920 Dragon Okay? Let me now that's uh, that's. 2104 01:43:23.720 --> 01:43:26.800 The one screen there, and then I have one split screen. 2105 01:43:27.800 --> 01:43:29.840 Let's see if I can find him here. I'm gonna 2106 01:43:29.880 --> 01:43:32.720 get the split screen and I think this is cool. 2107 01:43:33.199 --> 01:43:36.479 So we have our our split screen. Okay, so if 2108 01:43:36.479 --> 01:43:38.600 you were a caller, you'd be telling me a problem. 2109 01:43:38.640 --> 01:43:41.119 I just have to figure out. Look at my metal quickly. 2110 01:43:41.119 --> 01:43:43.279 If I don't like you, what Mark. 2111 01:43:43.159 --> 01:43:46.279 Look at all the metals behind him? Are those yours? 2112 01:43:47.079 --> 01:43:47.520 Yes, sir? 2113 01:43:48.119 --> 01:43:48.479 Really? 2114 01:43:49.880 --> 01:43:51.399 Yeah? Twenty two years in the Air Force? 2115 01:43:52.359 --> 01:43:54.760 What did you? What did you do in the Air 2116 01:43:54.760 --> 01:43:56.359 Force ordnance? 2117 01:43:56.680 --> 01:43:59.800 I was bonds and bulls guy. 2118 01:44:00.119 --> 01:44:01.960 Okay, talk again. I muted you. I want to see 2119 01:44:02.000 --> 01:44:03.680 if it works the mute if I want to hang 2120 01:44:03.760 --> 01:44:07.159 up in you mute him. 2121 01:44:07.319 --> 01:44:09.720 Oh, that's going to be a problem. I got I 2122 01:44:09.720 --> 01:44:11.239 got to figure out a way to mute this guy 2123 01:44:11.279 --> 01:44:12.359 with If you ever. 2124 01:44:12.600 --> 01:44:14.279 Well, we still have the delay. 2125 01:44:14.439 --> 01:44:19.239 But no, no, I was a Air Force AMMO guy. 2126 01:44:19.359 --> 01:44:22.239 I was an AMMO troop really and uh we have 2127 01:44:22.359 --> 01:44:24.880 a unique acronym as an AMMO troop. 2128 01:44:25.720 --> 01:44:27.520 If you ain't AMMO, you ain't. 2129 01:44:27.680 --> 01:44:29.119 You ain't right, Yeah, you ain't that? 2130 01:44:29.479 --> 01:44:30.920 Yeah, yeah, you ain't that. 2131 01:44:32.000 --> 01:44:35.399 And and so you have a way of uh so 2132 01:44:35.520 --> 01:44:39.439 you handled AMMO for like loading the planes or ground 2133 01:44:39.520 --> 01:44:40.880 stuff ground or no. 2134 01:44:41.000 --> 01:44:44.199 We were the we were the builders. So we stored him, 2135 01:44:44.760 --> 01:44:47.239 built them and delivered him to the planes. 2136 01:44:47.479 --> 01:44:48.600 What's the biggest. 2137 01:44:52.439 --> 01:44:56.800 Uh? So two thousand pound moms. I was deployed for 2138 01:44:57.560 --> 01:45:01.680 desert storm. Uh, the first as a storm. I was 2139 01:45:01.720 --> 01:45:02.560 deployed in Qatar. 2140 01:45:04.000 --> 01:45:04.199 Hmm. 2141 01:45:04.399 --> 01:45:08.880 I was with the four or first the Lucky Devils. 2142 01:45:09.319 --> 01:45:12.479 Uh it was. It was a great career. 2143 01:45:12.920 --> 01:45:13.239 Uh. 2144 01:45:13.800 --> 01:45:17.079 I loved uh being an air Force serving in the Air Force. 2145 01:45:18.239 --> 01:45:21.680 That's very How cool is that man? So I, So 2146 01:45:21.800 --> 01:45:23.119 I assume you're a Trumper. 2147 01:45:25.960 --> 01:45:29.279 Oh, there's no assumption, you know. 2148 01:45:30.039 --> 01:45:30.640 Would you say? 2149 01:45:31.680 --> 01:45:35.520 Would you say most people in the military preferred him 2150 01:45:35.520 --> 01:45:37.600 as commander in chief compared to Biden? 2151 01:45:40.199 --> 01:45:40.920 Uh? 2152 01:45:41.880 --> 01:45:47.359 You know it's the people that Uh yeah. The president 2153 01:45:47.439 --> 01:45:50.960 that I joined with was Ronald Reagan. That's that's my guy. 2154 01:45:51.039 --> 01:45:53.079 That's my benchmark standard. 2155 01:45:54.000 --> 01:45:56.920 Very close. So nobody else compares. 2156 01:45:57.760 --> 01:46:00.960 I appreciate the experiment. You look good, You sound good. 2157 01:46:00.960 --> 01:46:02.479 I just had to figure out how to. 2158 01:46:02.600 --> 01:46:03.439 Hang up on people. 2159 01:46:03.520 --> 01:46:05.479 Quinn, where are you calling us from? By the way, 2160 01:46:05.560 --> 01:46:08.399 where are you at the springs? Denver Ware? 2161 01:46:09.479 --> 01:46:13.039 No, Falcon, Colorado? So I am the million dollar ditch guy. 2162 01:46:13.840 --> 01:46:15.600 Nice, We've got friends. 2163 01:46:15.680 --> 01:46:17.439 Let me let me try something. Let me see if 2164 01:46:17.439 --> 01:46:18.239 I can show you my. 2165 01:46:18.199 --> 01:46:22.039 Million don't flash. Yeah see, I want to. 2166 01:46:22.000 --> 01:46:24.720 Show you said, you guys can see my million dollar 2167 01:46:24.760 --> 01:46:26.199 ditch out my window, your. 2168 01:46:26.159 --> 01:46:29.760 Million dollar ditch. Let's shoe it. All right, he's good, 2169 01:46:29.760 --> 01:46:32.119 he's flipping his camera. Let me go full screen on. 2170 01:46:32.079 --> 01:46:34.520 This guy, and yeah, can you see that. 2171 01:46:34.720 --> 01:46:39.520 We're going to hold on let's go. Oh yeah, very cool. 2172 01:46:40.479 --> 01:46:40.880 Yeah. 2173 01:46:41.600 --> 01:46:46.199 Yeah, so I had, uh, I spent fifteen years battling 2174 01:46:46.279 --> 01:46:51.840 with the county, uh, you know, solve the drainage problem. 2175 01:46:52.119 --> 01:46:55.359 And we look at that Tom and Tom and Brian. 2176 01:46:56.119 --> 01:46:58.800 Yeah, you guys said, yeah, good luck with that guy. 2177 01:46:59.000 --> 01:47:03.640 Yeah, but Tom, you've been a great inspiration to me. 2178 01:47:05.000 --> 01:47:05.479 I like this. 2179 01:47:07.760 --> 01:47:10.880 You get, you get a little bit of credit. Even 2180 01:47:10.880 --> 01:47:12.520 though you said good luck. 2181 01:47:12.760 --> 01:47:15.439 No, man, it was almost insurmountable. 2182 01:47:16.680 --> 01:47:16.920 Yeah. 2183 01:47:17.520 --> 01:47:19.640 Why are you calling it a million dollar ditch? 2184 01:47:20.640 --> 01:47:23.960 Because that's what the county end up getting, uh to 2185 01:47:23.960 --> 01:47:26.600 build that ditch. So they had to go through the 2186 01:47:26.680 --> 01:47:33.239 e p A, the Feds because yeah, we know, poor planning, you. 2187 01:47:33.279 --> 01:47:40.600 Know the five piece yep. Yeah. Yeah. So Tom is 2188 01:47:40.720 --> 01:47:43.800 a former developer. I know you went through this. 2189 01:47:44.479 --> 01:47:47.279 You know, you drop the plan, you know, you smit 2190 01:47:47.399 --> 01:47:49.840 the plan, and the county basically signs off. 2191 01:47:50.399 --> 01:47:54.119 Well, but before you do all of that, you have 2192 01:47:54.199 --> 01:47:56.439 to write to all the of the adjacency. 2193 01:47:57.399 --> 01:48:00.199 Oh yeah, yeah, it's crazy. 2194 01:48:00.119 --> 01:48:01.319 They get to weigh in on it. 2195 01:48:02.239 --> 01:48:03.920 Oh yeah yeah. 2196 01:48:03.960 --> 01:48:07.720 So you know, the developer did all that, and then 2197 01:48:09.000 --> 01:48:13.720 sadly two thousand and eight, the developer you know, went bankrupt, 2198 01:48:14.119 --> 01:48:19.239 and yeah, everything collapsed. But I had my property built, 2199 01:48:19.880 --> 01:48:24.520 everything was done, and I really enjoyed my property. But 2200 01:48:25.079 --> 01:48:28.920 you know, because the developer finally in that passed and 2201 01:48:28.920 --> 01:48:33.239 away said, I think all the stress of two thousand 2202 01:48:33.279 --> 01:48:37.920 and eight killed him. I was left with a horrible 2203 01:48:38.239 --> 01:48:40.600 drainage design that the kind of approved. 2204 01:48:40.880 --> 01:48:43.920 So well, you know, up getting it fixed. 2205 01:48:44.560 --> 01:48:44.880 Listen. 2206 01:48:45.119 --> 01:48:48.239 I really appreciate you taking part in this. I'm not kidding, 2207 01:48:48.720 --> 01:48:52.359 so that's very cool. I just have to perfect the 2208 01:48:52.439 --> 01:48:54.800 sound a little. I'm getting a little a little bit 2209 01:48:54.840 --> 01:48:57.079 of a double sound from you, and I can't figure 2210 01:48:57.119 --> 01:48:57.640 that out. 2211 01:48:57.439 --> 01:48:57.920 But I will. 2212 01:48:58.279 --> 01:49:02.119 But it was first video quote and it's not terrible. 2213 01:49:02.159 --> 01:49:04.520 I think we can. We'll get way better at it. 2214 01:49:04.880 --> 01:49:07.079 And I'm going to experiment hanging up on you, so 2215 01:49:07.199 --> 01:49:08.039 don't be offender. 2216 01:49:08.760 --> 01:49:09.840 I want to see what happened. 2217 01:49:09.840 --> 01:49:12.600 Don't worries, No, No, I really do want to figure 2218 01:49:12.640 --> 01:49:14.720 this out if I can hang up on you and 2219 01:49:14.840 --> 01:49:15.319 I can. 2220 01:49:15.439 --> 01:49:15.720 Good. 2221 01:49:16.279 --> 01:49:21.119 All right, so he's over now, I think, of course that. Yeah, 2222 01:49:21.239 --> 01:49:23.800 so we did that. Welcome to the show. Three h 2223 01:49:23.840 --> 01:49:25.800 three seven one three talk. Let's go back to real 2224 01:49:25.800 --> 01:49:28.199 stuff three O three seven one three eight two. 2225 01:49:28.039 --> 01:49:35.079 Five five So uh here we go. Okay, now let's 2226 01:49:35.159 --> 01:49:39.039 go to the phones. People. We have Mitch Fluria. We 2227 01:49:39.159 --> 01:49:40.319 have a text for you. Mitch. 2228 01:49:40.720 --> 01:49:48.159 Somebody wants to know when you template a booknook, can 2229 01:49:48.199 --> 01:49:50.479 you do shelves for a book if they want to 2230 01:49:50.479 --> 01:49:52.760 do the whole thing out of some kind of natural stone, 2231 01:49:53.880 --> 01:49:59.520 can you like do the shelving and everything, Well. 2232 01:49:59.439 --> 01:50:01.319 I can closet or like No, No. 2233 01:50:01.680 --> 01:50:05.079 Somebody wants to do like a book nook and they 2234 01:50:05.119 --> 01:50:07.600 want to have the everything they want to have, like 2235 01:50:07.840 --> 01:50:09.600 granite shelves. 2236 01:50:10.840 --> 01:50:13.159 Oh, I suppose it's possible. We haven't done that together. 2237 01:50:13.199 --> 01:50:15.439 Have you done art nooks where you have granite on 2238 01:50:15.479 --> 01:50:18.840 the on the ledges or window sills or what he did? 2239 01:50:18.880 --> 01:50:20.399 My window sills They looked great. 2240 01:50:20.600 --> 01:50:23.399 Yes, window sits all the time, and shelves as well. 2241 01:50:23.800 --> 01:50:26.560 I just don't know if it'd be weird having a 2242 01:50:26.600 --> 01:50:29.359 shelf with the back of the shelf, the whole thing 2243 01:50:29.399 --> 01:50:30.359 that would be granted, it. 2244 01:50:30.279 --> 01:50:30.920 Would be pretty. 2245 01:50:30.960 --> 01:50:34.760 But but Mitch, you can do can you do less 2246 01:50:34.800 --> 01:50:38.520 thick granite or not necessarily a thin veneer, but like 2247 01:50:38.560 --> 01:50:41.119 a quarter inch or half inch or does it have 2248 01:50:41.159 --> 01:50:42.359 to be full thickness? 2249 01:50:42.720 --> 01:50:46.319 The natural stone comes in either inch and a quarter 2250 01:50:46.560 --> 01:50:49.119 or or three quarters of an inch. 2251 01:50:49.159 --> 01:50:52.000 You tell it, So you don't do any kinds of 2252 01:50:52.119 --> 01:50:53.399 veneers at all, right, as. 2253 01:50:53.359 --> 01:50:56.720 Far and then some of the courtz products they come, 2254 01:50:57.439 --> 01:51:01.039 they're available even thinner what we call a one centimeter 2255 01:51:01.520 --> 01:51:04.319 around the corridor or maybe threates of an inch? 2256 01:51:04.359 --> 01:51:05.279 Did they break easy? 2257 01:51:05.920 --> 01:51:06.359 No? 2258 01:51:06.359 --> 01:51:09.119 No, not really because you put it on a backing, right. 2259 01:51:10.800 --> 01:51:10.960 Yeah. 2260 01:51:11.039 --> 01:51:13.880 Sometimes when it's mounted as countertops, then we thick on 2261 01:51:13.920 --> 01:51:17.840 the edges, we might. But those thin slabs are used mostly. 2262 01:51:17.560 --> 01:51:19.119 For showers shower walls. 2263 01:51:19.439 --> 01:51:23.199 Okay, all right, they must be really pretty, so you do. 2264 01:51:24.079 --> 01:51:26.680 And the man made stuff is called quartz site or 2265 01:51:26.720 --> 01:51:28.239 is that the cultural quartz? 2266 01:51:28.319 --> 01:51:28.640 Yes? 2267 01:51:28.680 --> 01:51:31.159 And then the quart site is the natural slab, which 2268 01:51:31.199 --> 01:51:32.119 is just like. 2269 01:51:32.600 --> 01:51:35.199 But you make court do you make quart site out 2270 01:51:35.199 --> 01:51:37.840 of uh? You make quartz out of quart site? 2271 01:51:38.680 --> 01:51:39.039 Yes? 2272 01:51:39.199 --> 01:51:42.239 They make that to the factory and then they ship 2273 01:51:42.279 --> 01:51:45.119 it out as and it comes in a sheet, right, sheets, Yes, 2274 01:51:45.159 --> 01:51:46.560 and those are different thicknesses. 2275 01:51:46.840 --> 01:51:50.640 Now what's more popular the quartz site, the natural stuff 2276 01:51:50.720 --> 01:51:51.479 or the quartz. 2277 01:51:51.720 --> 01:51:55.680 A lot of the white light colors with some vein 2278 01:51:55.720 --> 01:51:58.039 are very popular nowadays, and you find those in the 2279 01:51:58.119 --> 01:52:01.119 natural quartz sites. And then also saying that the engineer's 2280 01:52:01.159 --> 01:52:03.279 throone which we call quartz. 2281 01:52:03.800 --> 01:52:08.199 And quartz is okay. So and quartz comes in a 2282 01:52:08.279 --> 01:52:10.319 variety of colors obviously. 2283 01:52:09.960 --> 01:52:12.119 Yes, many many options, all right. 2284 01:52:12.279 --> 01:52:14.439 And by the way, the artigranite dot com they give 2285 01:52:14.479 --> 01:52:16.439 prices on the phone. Three oh three three eight six 2286 01:52:16.560 --> 01:52:19.680 fifty nine nineteen Hannah, I'm sorry, I don't want to 2287 01:52:19.760 --> 01:52:21.560 I'm so sorry that you've been waiting a while. 2288 01:52:21.720 --> 01:52:24.479 So this bad fuel that that caused. 2289 01:52:24.199 --> 01:52:25.920 Damage to your car, I want to add, I want 2290 01:52:25.960 --> 01:52:27.159 to go right to this first. 2291 01:52:27.600 --> 01:52:29.680 Are you positive it was the fuel? 2292 01:52:31.880 --> 01:52:32.520 Yes? 2293 01:52:33.199 --> 01:52:35.079 Did you have a diagnosis? 2294 01:52:35.760 --> 01:52:40.199 Yes, from the mechanic she found red fuel in my 2295 01:52:40.359 --> 01:52:40.920 gas tank? 2296 01:52:41.279 --> 01:52:43.560 What now? What do you what did he say? That was? 2297 01:52:43.600 --> 01:52:47.800 What do you mean? Red frend diesel is non tax diesel? Okay? 2298 01:52:48.199 --> 01:52:50.079 So where did you get the fuel? 2299 01:52:51.720 --> 01:52:54.760 I was in fair Play, I was on the way 2300 01:52:54.800 --> 01:52:57.880 to one of this and stopped in the fair play. 2301 01:52:58.159 --> 01:53:01.760 At a gas station. HM, and what happened? 2302 01:53:01.800 --> 01:53:05.560 You filled up and I'm not sure if I sold 2303 01:53:05.640 --> 01:53:08.399 up completely. I think I just topped my car off. 2304 01:53:08.439 --> 01:53:11.640 But thirty minutes after my car died. 2305 01:53:12.920 --> 01:53:17.439 So okay, So do they admit the people that sold 2306 01:53:17.479 --> 01:53:19.159 you the fuel did they have it in the wrong 2307 01:53:19.319 --> 01:53:22.159 tank or are they saying you took the wrong nozzle 2308 01:53:22.279 --> 01:53:22.479 or what. 2309 01:53:23.680 --> 01:53:27.000 So I reached out to the gas station and they 2310 01:53:27.880 --> 01:53:32.079 basically told me I told them the story, and they 2311 01:53:32.159 --> 01:53:34.600 basically said I did it. 2312 01:53:35.000 --> 01:53:39.039 And you know, she was like, wait, she's saying it 2313 01:53:39.119 --> 01:53:40.279 was your fault. 2314 01:53:41.000 --> 01:53:45.560 Yes, And I asked, I have my transaction on my 2315 01:53:45.600 --> 01:53:47.880 bank statement, so I asked if she could like pull 2316 01:53:47.920 --> 01:53:51.800 it up and see if I Well, let me interrupt 2317 01:53:51.840 --> 01:53:52.439 you for a second. 2318 01:53:52.439 --> 01:53:52.600 Though. 2319 01:53:52.640 --> 01:53:56.119 What I don't understand is red diesel shouldn't hurt anything. 2320 01:53:56.439 --> 01:53:59.079 The only thing, the only reason that red dies there 2321 01:53:59.159 --> 01:54:01.680 to basically get people in trouble for not paying the 2322 01:54:01.760 --> 01:54:04.960 road taxes on it. It should be the exact same product. 2323 01:54:05.039 --> 01:54:08.880 So even if you did accidentally put red diesel in 2324 01:54:08.960 --> 01:54:11.640 your vehicle, it shouldn't have messed up the vehicle. 2325 01:54:12.000 --> 01:54:14.960 Well, hold on, hold on it has to be drained 2326 01:54:15.000 --> 01:54:17.520 and it has to be No, no, it doesn't have 2327 01:54:17.640 --> 01:54:20.039 to be the only reason the red dye is theirs 2328 01:54:20.119 --> 01:54:23.279 because there's no tax. Okay, go, you're assuming I'm sorry, 2329 01:54:23.359 --> 01:54:26.359 maybe I'm maybe I'm mistaken. Hold on, maybe I'm mistaken. 2330 01:54:26.600 --> 01:54:29.159 You're assuming it's a diesel vehicle, right, Mark. 2331 01:54:29.279 --> 01:54:30.159 It's not a diesel? 2332 01:54:30.399 --> 01:54:33.319 Oh my god? Then yeah, no, of course I'm assuming 2333 01:54:33.359 --> 01:54:34.439 it's a diesel vehicle. 2334 01:54:35.159 --> 01:54:38.119 Okay, Yeah, kind of didn't sound like a truck driver 2335 01:54:38.199 --> 01:54:40.680 to me, but okay. 2336 01:54:41.319 --> 01:54:45.000 So no, just through a regular unleaded car. 2337 01:54:45.520 --> 01:54:47.159 But still it wouldn't do it? Did it? 2338 01:54:47.319 --> 01:54:49.479 Don't how much damage did it do? By the way, 2339 01:54:49.520 --> 01:54:51.199 what are they saying is wrong with your car? 2340 01:54:51.880 --> 01:54:55.239 So they originally said it was my fuel punk and 2341 01:54:55.279 --> 01:54:57.399 so I just was like, okay, you know, my car 2342 01:54:57.520 --> 01:54:59.800 is a twenty fourteen. Maybe it was time for a 2343 01:54:59.840 --> 01:55:03.439 new fuel pump. And then after a week of having 2344 01:55:03.479 --> 01:55:06.359 my car, the mechanic reached out and said that they 2345 01:55:06.479 --> 01:55:11.960 found diesel and said red diesel fuel in my gas tank, 2346 01:55:12.039 --> 01:55:15.119 and like told, you know, said I should probably reach 2347 01:55:15.159 --> 01:55:16.439 out to where I got gassed. 2348 01:55:16.479 --> 01:55:18.439 Did dad gas station sell red diesel? 2349 01:55:19.640 --> 01:55:23.159 So when I reached out to the gas station. She 2350 01:55:23.399 --> 01:55:26.039 was really rude and basically like, well, we're not going 2351 01:55:26.119 --> 01:55:28.279 to be liable for that. And she did make a 2352 01:55:28.319 --> 01:55:33.680 comment about apparently there being somewhere like a different pump 2353 01:55:33.800 --> 01:55:36.319 for red diesel, because she was like, well, which where 2354 01:55:36.359 --> 01:55:39.159 did you get gassed? And I was like, well where 2355 01:55:39.199 --> 01:55:43.439 all the regular other regular cars were like the regular 2356 01:55:43.520 --> 01:55:48.079 gas pump, and so to me, it seems like there 2357 01:55:48.399 --> 01:55:50.560 might be a different pump for the red fuel. 2358 01:55:51.039 --> 01:55:53.760 How long did your vehicle run before it just quit 2359 01:55:53.840 --> 01:55:54.720 running all together? 2360 01:55:55.000 --> 01:55:57.279 It was it was about a half an hour. 2361 01:55:58.880 --> 01:56:00.720 But here's what I don't understand. 2362 01:56:01.840 --> 01:56:04.159 How do they I mean, it's not like you went 2363 01:56:04.239 --> 01:56:08.159 and got diesel somewhere to ruin your car on purpose. 2364 01:56:08.239 --> 01:56:11.399 I mean, what are they saying. Are they saying they. 2365 01:56:11.279 --> 01:56:14.039 Don't sell red diesel there at all? And if they did, 2366 01:56:14.079 --> 01:56:18.000 Mark you said, it's non taxed, so it's not road tax. 2367 01:56:18.079 --> 01:56:19.920 So what does it use for heating fuel or what? 2368 01:56:19.920 --> 01:56:19.960 What? 2369 01:56:20.079 --> 01:56:20.279 No? 2370 01:56:20.279 --> 01:56:22.760 No, No, generally it's like for tractors. It could be 2371 01:56:22.840 --> 01:56:26.039 used for heating and generators, but it's for stuff that's 2372 01:56:26.159 --> 01:56:27.920 not not on on the road. 2373 01:56:28.319 --> 01:56:29.760 Well, yeah, not you know, a track. 2374 01:56:29.920 --> 01:56:32.640 They actually sell red diesel there That's what I want 2375 01:56:32.680 --> 01:56:32.880 to know. 2376 01:56:32.920 --> 01:56:34.159 Do they sell red diesel? 2377 01:56:35.079 --> 01:56:37.680 That's what it sounded like when I was talking to you. 2378 01:56:37.800 --> 01:56:38.920 What's the name of the place. 2379 01:56:39.880 --> 01:56:46.159 It's BS Convenience and the gas station is Sinclair. It's 2380 01:56:46.199 --> 01:56:48.279 like a convenience or where is it? 2381 01:56:48.319 --> 01:56:48.760 What town? 2382 01:56:49.920 --> 01:56:51.000 It's in fair Play? 2383 01:56:52.840 --> 01:56:57.399 So like a Sinclair gas station. I've never heard of 2384 01:56:57.439 --> 01:56:59.119 Sinclair having red diesel. 2385 01:57:01.079 --> 01:57:03.800 Well, the ones, the ones that are up in farming communities, 2386 01:57:03.840 --> 01:57:07.119 they generally do, but it's not Typically it's a different 2387 01:57:07.239 --> 01:57:09.880 pump somewhere else, you know what I'm saying. 2388 01:57:10.319 --> 01:57:13.800 Yeah, but at okay, okay, hold on, we'll come right back. 2389 01:57:13.840 --> 01:57:16.039 We got more coming right up. I'm sorry, hold on. 2390 01:57:19.800 --> 01:57:23.039 Go with a sure thing Denver's best roofer Excel Roofing 2391 01:57:23.159 --> 01:57:23.760 dot com. 2392 01:57:23.800 --> 01:57:25.800 You don't pay a cent until you're content. 2393 01:57:29.159 --> 01:57:32.359 Time for an insurance check up free no obligation comparison 2394 01:57:32.479 --> 01:57:36.039 call Compass Insurance paying too much your coverage at dozens 2395 01:57:36.079 --> 01:57:38.800 of insurance companies find out now three oh three, seven 2396 01:57:38.920 --> 01:57:41.720 seven to one help. You'll think you're his only customer 2397 01:57:41.760 --> 01:57:44.000 when you choose Frank durand the real estate Man dot 2398 01:57:44.039 --> 01:57:47.359 com to list your home with Remax Alliance three oh 2399 01:57:47.399 --> 01:57:53.119 three nine two zero sixteen twenty two. Hi Tom Martino 2400 01:57:53.199 --> 01:57:56.079 here three O three seven one three talk seven one. 2401 01:57:55.920 --> 01:57:59.000 Three eight two five five. Chris has a comment on 2402 01:57:59.079 --> 01:57:59.720 red diesel. 2403 01:58:00.279 --> 01:58:02.279 Mark called the place and they said, yeah, we have 2404 01:58:02.399 --> 01:58:04.600 red diesel in the pump right next to the regular ones, 2405 01:58:04.680 --> 01:58:05.119 right Mark. 2406 01:58:05.319 --> 01:58:07.640 Yeah, they said they definitely have it right now. It's 2407 01:58:08.079 --> 01:58:11.199 four point thirty nine a gallon and it's basically right 2408 01:58:11.239 --> 01:58:14.439 at the regular pumps. The interesting parts Whuzanne brought up, 2409 01:58:14.439 --> 01:58:18.640 and she's absolutely right. On most cars, there is no way. 2410 01:58:18.720 --> 01:58:21.039 I don't care if it's red diesel or normal diesel 2411 01:58:21.119 --> 01:58:26.119 or biodiesel, the actual thing will fit into your gas tank, 2412 01:58:26.199 --> 01:58:29.159 you know what I'm saying. The hands, Yeah, yeah, exactly 2413 01:58:29.319 --> 01:58:30.439 doesn't fit into the hole. 2414 01:58:31.199 --> 01:58:33.520 Chris, what is your comment on red diesel? 2415 01:58:34.520 --> 01:58:37.760 Yeah, and Mark, you're right. I mean it's almost physically 2416 01:58:37.800 --> 01:58:41.399 impossible to pick up a green handle at the pump 2417 01:58:42.199 --> 01:58:45.159 and put it into a standard unletted tank. It just 2418 01:58:45.239 --> 01:58:49.960 doesn't fit. It won't fit. So that's that's problem number one. Okay. 2419 01:58:50.039 --> 01:58:53.279 Red diesel is farm fuel. We run tractors off of it, 2420 01:58:53.359 --> 01:58:55.920 we run equipment off of it because it's tax exempt. 2421 01:58:57.079 --> 01:58:59.720 And I'll tell you. We have farms in Tennessee, and 2422 01:58:59.760 --> 01:59:01.960 some times people will cheat and they'll put that in 2423 01:59:02.000 --> 01:59:05.000 their truck, in their diesel truck, which it runs just fine, 2424 01:59:05.439 --> 01:59:07.520 but it has a high sulfur rate in it, which 2425 01:59:07.560 --> 01:59:10.560 makes it burn really black. So when the cops sea 2426 01:59:10.560 --> 01:59:13.800 you're rolling down the highway and you're speeling out three 2427 01:59:13.840 --> 01:59:16.479 times four times the amount of black smoke, they'll pull 2428 01:59:16.479 --> 01:59:19.560 you over. And that's a heavy ticket because you are exempt. 2429 01:59:19.560 --> 01:59:22.359 So basically you're cheating the government. You can use that 2430 01:59:22.439 --> 01:59:24.479 for the farm, farm equipment. We use that on our 2431 01:59:24.520 --> 01:59:26.720 tractors all the time. And that's all we use. I mean, 2432 01:59:26.720 --> 01:59:29.319 why would why wouldn't we? We don't use green, we 2433 01:59:29.399 --> 01:59:31.720 use red. But you can't take it off the farm. 2434 01:59:31.760 --> 01:59:33.479 I mean you can, but you just can't use it 2435 01:59:33.520 --> 01:59:37.039 on the on the on the roads. But something's going 2436 01:59:37.079 --> 01:59:40.000 on here. And typically I will tell you Tennessee and 2437 01:59:40.079 --> 01:59:44.680 in Colorado, you're you're not going to find any red 2438 01:59:44.720 --> 01:59:47.319 diesel here in town in the seventh county metro. You're 2439 01:59:47.319 --> 01:59:48.880 going to find that up in the hills, or you're 2440 01:59:48.880 --> 01:59:50.800 going to find that and the ads. 2441 01:59:50.520 --> 01:59:54.159 Outline that's where this happened, though, Chris. 2442 01:59:54.239 --> 01:59:56.560 But well, I know, yeah, she said fair player, right. 2443 01:59:56.399 --> 01:59:58.399 Yeah, and I called up and they definitely have it. 2444 01:59:58.439 --> 02:00:00.960 Here's what I think happened, because I don't think that 2445 02:00:01.159 --> 02:00:04.920 green would have went into her uh her fuel period. 2446 02:00:05.439 --> 02:00:08.399 I think maybe the truck filled up and screwed up. 2447 02:00:09.479 --> 02:00:12.600 Yeah, but wouldn't there be more than one problem? I mean, 2448 02:00:12.680 --> 02:00:17.119 obviously a problem. Yep, yeah, you would think so multiple complaints. 2449 02:00:17.239 --> 02:00:20.479 But I think I think somebody, I don't know, it's 2450 02:00:20.479 --> 02:00:23.199 just kind of weird because you can't fit that green 2451 02:00:23.239 --> 02:00:26.439 handle of the standard diesel, like if I have a 2452 02:00:26.479 --> 02:00:28.000 F three fifty that's you. 2453 02:00:27.960 --> 02:00:29.760 Know, yeah, we get it. 2454 02:00:30.159 --> 02:00:32.720 No, we get it, and we understand that part. Yes, 2455 02:00:33.640 --> 02:00:37.600 I wasn't sure if the same handle or nozzle would work. 2456 02:00:37.439 --> 02:00:39.640 For the red as well or if that was Like, 2457 02:00:40.279 --> 02:00:41.399 I mean, it's just crazy. 2458 02:00:41.680 --> 02:00:45.960 So, Hannah, they refuse, they refuse to do anything for you. 2459 02:00:46.079 --> 02:00:49.800 Is that correct, Hannah, Yeah, that's correct. How much did 2460 02:00:49.840 --> 02:00:51.840 it cost you or is it going to cost you 2461 02:00:51.880 --> 02:00:52.720 to fix your car? 2462 02:00:54.239 --> 02:00:57.680 So to around two thousand dollars? 2463 02:00:58.079 --> 02:00:59.760 And what are they doing for the two grand? What 2464 02:00:59.800 --> 02:01:00.720 are they doing to it? 2465 02:01:01.640 --> 02:01:07.359 So I got the new fuel pump and then what else? 2466 02:01:07.479 --> 02:01:11.319 Hart plugs and they had to drain my tank. 2467 02:01:11.760 --> 02:01:15.159 Right, right? Do all of that, so the filters and 2468 02:01:15.199 --> 02:01:19.039 all that. So, man, that's incredible. 2469 02:01:19.520 --> 02:01:23.399 So, you know, small claims court is one thing we 2470 02:01:24.520 --> 02:01:27.319 if we call the place, they're simply gonna deny it. 2471 02:01:27.640 --> 02:01:30.520 Did they say you did it? Because how would you 2472 02:01:30.760 --> 02:01:34.560 do it with that size of nozzle? Right? 2473 02:01:35.239 --> 02:01:38.159 But yeah, she said. The first guy I talked to him, 2474 02:01:38.159 --> 02:01:40.199 he was like, oh, well, it happens all the time, 2475 02:01:40.520 --> 02:01:41.640 That's what he told me. 2476 02:01:42.039 --> 02:01:44.359 What do you mean what happens all the time that 2477 02:01:44.439 --> 02:01:46.640 people make a mistake or they make a mistake. 2478 02:01:48.520 --> 02:01:50.760 He didn't clear. I mean, it sounded like he was 2479 02:01:50.760 --> 02:01:54.359 saying people accidentally put diesel in their cars all the time. 2480 02:01:54.439 --> 02:01:56.119 But that doesn't make sense to me. 2481 02:01:57.760 --> 02:02:01.439 How would they what's that? Let's break deputy on this. 2482 02:02:01.520 --> 02:02:04.039 Maybe they can make some headway and get something for her. 2483 02:02:04.119 --> 02:02:04.680 I don't know. 2484 02:02:05.359 --> 02:02:08.880 Yeah, let's do that. Let's do you have the receipt? 2485 02:02:09.239 --> 02:02:12.520 I have, well, I have my bank statement, Like yeah. 2486 02:02:12.319 --> 02:02:13.960 I was going to say, the receipt will have a 2487 02:02:13.960 --> 02:02:15.520 pump number or something on there. 2488 02:02:15.840 --> 02:02:20.720 It'll also have the price per gallon, right, And I 2489 02:02:20.800 --> 02:02:22.760 when I tried to see if she could look it up, 2490 02:02:22.840 --> 02:02:25.319 she was just like it's gonna take I have to. 2491 02:02:25.279 --> 02:02:27.039 Go through thousands of transactions. 2492 02:02:27.079 --> 02:02:31.319 And she you know what, because if your receipt showed 2493 02:02:31.359 --> 02:02:34.359 the price per gallon for regular fuel, you know, for 2494 02:02:34.439 --> 02:02:36.640 unleaded fuel, and you were getting. 2495 02:02:36.359 --> 02:02:38.600 Red diesel, that's you got them dead? How many? 2496 02:02:38.680 --> 02:02:40.760 But if it showed the price per gallon for the 2497 02:02:40.800 --> 02:02:42.560 red diesel, then you might have a problem. 2498 02:02:42.600 --> 02:02:43.840 How many gallons did you get? 2499 02:02:46.039 --> 02:02:49.279 Oh, I don't know. I didn't get any of that. 2500 02:02:49.640 --> 02:02:50.760 How much was the total? 2501 02:02:51.600 --> 02:02:57.199 It was thirty six dollars, So for my car, it's 2502 02:02:57.399 --> 02:02:58.840 it's about forty dollars to. 2503 02:02:58.840 --> 02:03:03.279 Fill up, okay? And you were near empty? 2504 02:03:05.000 --> 02:03:09.000 I would say I wasn't quite empty, but close. I 2505 02:03:09.000 --> 02:03:11.680 wanted to get gas at the last place before I 2506 02:03:12.279 --> 02:03:13.319 was nowhere. 2507 02:03:13.800 --> 02:03:15.640 So your car's running okay? Now? 2508 02:03:16.720 --> 02:03:18.840 Yes, it was in the shop for two weeks. 2509 02:03:19.319 --> 02:03:20.840 Oh my goodness. 2510 02:03:21.159 --> 02:03:22.840 So I got it back last Fridays. 2511 02:03:24.399 --> 02:03:27.359 I listen, you're gonna we're gonna put a deputy on it. 2512 02:03:27.399 --> 02:03:29.720 But ultimately you may have to do a small claims 2513 02:03:29.760 --> 02:03:33.640 court against him because but but you don't have a receipt, 2514 02:03:33.640 --> 02:03:38.960 which sucks. I mean, why Mark, can she subpoena in 2515 02:03:39.039 --> 02:03:40.479 small claims court? 2516 02:03:40.960 --> 02:03:41.279 No? 2517 02:03:41.560 --> 02:03:46.239 I mean you can, but yeah, no, not not for 2518 02:03:46.359 --> 02:03:49.439 what we're talking about. If she has a date and time, 2519 02:03:49.479 --> 02:03:54.760 subpoena a witness, so she could subpoena someone. 2520 02:03:54.479 --> 02:03:57.119 That works there, But I I don't know how you 2521 02:03:57.159 --> 02:03:59.520 would subpoena information. When I talked to him, man, this 2522 02:03:59.640 --> 02:04:02.279 is like, you know, this sounds like kind of a 2523 02:04:02.319 --> 02:04:06.039 backwoods gas station. They very well could have, you know, 2524 02:04:06.199 --> 02:04:09.039 old school systems to where they do have to look 2525 02:04:09.079 --> 02:04:10.880 through thousands of receipts. 2526 02:04:11.239 --> 02:04:15.479 Right if I were to go there, I could find 2527 02:04:15.520 --> 02:04:19.079 which pump I was at, Like I remember which one 2528 02:04:19.119 --> 02:04:20.960 I was at, I just don't remember the number. 2529 02:04:21.279 --> 02:04:24.560 Or I would go and see if the nozzle is 2530 02:04:24.600 --> 02:04:26.920 the same size or bigger. That's going to be the 2531 02:04:26.960 --> 02:04:29.720 biggest thing right there. How far are you from this 2532 02:04:29.840 --> 02:04:31.319 and I would take pictures of it. 2533 02:04:32.560 --> 02:04:33.840 I'm about three hours? 2534 02:04:34.039 --> 02:04:36.479 Oh oh now that's hey. 2535 02:04:36.479 --> 02:04:39.159 If we have any listeners that are in the fair 2536 02:04:39.239 --> 02:04:41.960 Play or if you're listening later on on our podcast 2537 02:04:42.079 --> 02:04:44.439 or on YouTube, you know, reach out to help at 2538 02:04:44.439 --> 02:04:48.319 troubleshooter dot com if you're familiar with this gas station 2539 02:04:49.279 --> 02:04:51.279 in fair Play, and then you could go down there 2540 02:04:51.319 --> 02:04:53.840 and snap some pictures and we can help her put 2541 02:04:53.880 --> 02:04:54.359 it together. 2542 02:04:56.239 --> 02:04:59.600 Thank you. I listen, Hannah, we're gonna grab ready on this. 2543 02:05:00.159 --> 02:05:02.600 Can we put dollar on this? I already said it 2544 02:05:02.600 --> 02:05:04.439 to bo Boh, Okay, that's good. 2545 02:05:04.640 --> 02:05:07.439 Let's do bow then yeah, three oh three seven one 2546 02:05:07.520 --> 02:05:10.159 three talks seven one three eight two five five. 2547 02:05:10.239 --> 02:05:15.199 Listen. I take I take investing in financial planning and 2548 02:05:15.239 --> 02:05:19.640 all of that very seriously, as far as building an 2549 02:05:19.760 --> 02:05:20.119 est egg. 2550 02:05:20.119 --> 02:05:23.720 That's why I started this company, Wave eight Wealth Management. 2551 02:05:23.960 --> 02:05:26.000 Okay. I started it because I was. 2552 02:05:26.119 --> 02:05:30.199 Tired of the model of most I would say ninety 2553 02:05:30.239 --> 02:05:34.920 eight percent of all financial advisors. They're just middleman. They 2554 02:05:35.000 --> 02:05:38.039 take your money, they don't invest your money, they don't 2555 02:05:38.079 --> 02:05:42.000 manage your investments. They place it with bigger advisors. I'm 2556 02:05:42.039 --> 02:05:46.039 not saying that's necessarily bad. They might hit it right, 2557 02:05:46.319 --> 02:05:48.880 but they're not looking out for you individually. 2558 02:05:49.159 --> 02:05:51.439 If you want something like that, I started. 2559 02:05:51.039 --> 02:05:54.960 This for me, and we expanded to the public recently 2560 02:05:55.600 --> 02:05:59.199 Wave eight Capital and it's Wave eight Wealth Management. So 2561 02:05:59.239 --> 02:06:02.239 the website invest with Martino dot Com. I promise you 2562 02:06:02.239 --> 02:06:04.680 one hundred percent of my money is there along with 2563 02:06:04.760 --> 02:06:08.600 our company. That's the requirement. They cannot be advisor without that, 2564 02:06:09.159 --> 02:06:12.880 and you will be dealing directly with us, and you 2565 02:06:12.920 --> 02:06:16.079 can also call us at three oh three seven seven 2566 02:06:16.119 --> 02:06:19.560 to one help seven seven one four three five seven, 2567 02:06:19.840 --> 02:06:21.760 and we pledge to you not to get any bigger 2568 02:06:21.800 --> 02:06:24.760 than we where we can meet with each and every 2569 02:06:24.800 --> 02:06:26.479 person whenever they need us. 2570 02:06:26.800 --> 02:06:29.720 That's seven seven to one help. More coming right up. 2571 02:06:29.920 --> 02:06:33.159 Go with a sure thing Denver's best roofer Excel Roofing 2572 02:06:33.279 --> 02:06:33.880 dot com. 2573 02:06:33.920 --> 02:06:35.920 You don't pay a cent until you're content. 2574 02:06:39.279 --> 02:06:42.479 Time for an insurance check up free, no obligation comparison 2575 02:06:42.600 --> 02:06:46.159 call Compass Insurance Paying too much your coverage at dozens 2576 02:06:46.199 --> 02:06:48.920 of insurance companies find out now three oh three seven 2577 02:06:49.000 --> 02:06:51.840 seven to one help. You'll think you're his only customer 2578 02:06:51.880 --> 02:06:54.119 when you choose Frank durand the real estate Man dot 2579 02:06:54.159 --> 02:06:57.439 com to list your home with Remax Alliance three oh 2580 02:06:57.520 --> 02:07:03.079 three nine two zero sixteen twenty two three o three 2581 02:07:03.319 --> 02:07:06.079 seven one three talk three oh three seven one three 2582 02:07:06.199 --> 02:07:07.520 eight two five five. 2583 02:07:08.439 --> 02:07:09.880 All right, let's. 2584 02:07:09.600 --> 02:07:15.279 Continue here, Larry, go ahead, Larry with your water main. 2585 02:07:15.399 --> 02:07:16.079 What's happening? 2586 02:07:17.520 --> 02:07:17.640 Ah? 2587 02:07:17.720 --> 02:07:21.079 Hi, Tom, Hey, I live in a condo. I live 2588 02:07:21.079 --> 02:07:25.079 in a condo complex, and the main water line for 2589 02:07:25.119 --> 02:07:28.319 the complex happens to come into my cross base, and 2590 02:07:28.359 --> 02:07:31.560 they're telling me that I'm responsible for the maintenance and 2591 02:07:32.439 --> 02:07:35.359 repairs of that main line when things go wrong. 2592 02:07:35.640 --> 02:07:38.680 Now, okay, when you say the main line that I 2593 02:07:38.760 --> 02:07:40.239 need to ask some questions here. 2594 02:07:40.319 --> 02:07:41.680 This is very important. 2595 02:07:42.039 --> 02:07:45.920 Is it the main line to you or is it 2596 02:07:45.960 --> 02:07:47.920 the main line for the entire building? 2597 02:07:49.760 --> 02:07:53.000 Entire building? It comes from out from the street, okay. 2598 02:07:53.239 --> 02:07:57.199 So the service line they call that, from the main 2599 02:07:57.880 --> 02:08:02.079 to the condo building go through your call crawl space. 2600 02:08:03.079 --> 02:08:06.720 Right and so there it splits split to the different 2601 02:08:06.760 --> 02:08:08.479 condos okay. 2602 02:08:08.960 --> 02:08:13.720 And I can't see how that would be your responsibility 2603 02:08:14.119 --> 02:08:15.439 simply because. 2604 02:08:15.039 --> 02:08:18.439 It's routed through your So do you have a crawl 2605 02:08:18.439 --> 02:08:19.600 space under your condo? 2606 02:08:21.039 --> 02:08:21.560 Yes? I do. 2607 02:08:21.960 --> 02:08:24.000 Is this a town home or a condo? 2608 02:08:25.239 --> 02:08:28.439 It's a condo that there's four units in this building 2609 02:08:28.800 --> 02:08:29.960 and I sent you an email. 2610 02:08:30.079 --> 02:08:33.600 Wait wait, you have four units on the ground floor. 2611 02:08:34.680 --> 02:08:37.479 Now, two bottom and two on top. 2612 02:08:38.159 --> 02:08:41.520 Okay, and yours, just yours is on the bottom obviously, 2613 02:08:41.680 --> 02:08:45.359 and you have a crawl space and the main goes. 2614 02:08:45.199 --> 02:08:48.199 Through that crawl space, right. 2615 02:08:49.439 --> 02:08:53.039 Well, I don't see how you can be responsible for 2616 02:08:53.279 --> 02:08:56.159 a water main And why is this coming up? 2617 02:08:56.199 --> 02:08:56.439 Now? 2618 02:08:56.520 --> 02:08:57.520 What did it fail? 2619 02:08:59.359 --> 02:09:03.880 This pressure regulator that's on it, that's not working anymore. 2620 02:09:04.279 --> 02:09:06.800 For the whole building, for the whole building. 2621 02:09:08.000 --> 02:09:11.560 Yes, and they want you, they want you to replace 2622 02:09:11.600 --> 02:09:13.560 the regulator for the entire building. 2623 02:09:14.880 --> 02:09:15.159 Right. 2624 02:09:15.920 --> 02:09:16.880 Well, they're just wrong. 2625 02:09:19.079 --> 02:09:22.119 They were referring to that this document is sent to you. 2626 02:09:23.279 --> 02:09:26.960 Okay, do I have that, sus It's inbox. 2627 02:09:27.359 --> 02:09:31.800 I'm gonna look for it. And it's from let's see, Okay. 2628 02:09:31.479 --> 02:09:34.479 I got the Louisiana Louisiana purchase. 2629 02:09:35.760 --> 02:09:39.920 The what condominium? 2630 02:09:40.000 --> 02:09:40.199 Oh? 2631 02:09:40.279 --> 02:09:42.239 I see got it? Okay, I see it? 2632 02:09:42.319 --> 02:09:47.079 Allocation of costs or maintenance uh and repair or limited 2633 02:09:47.119 --> 02:09:47.840 common elements. 2634 02:09:47.840 --> 02:09:51.279 Okay, I'm not seeing which part of it they say 2635 02:09:51.359 --> 02:09:51.800 is yours. 2636 02:09:51.840 --> 02:09:54.920 It says to clarify the maintenance to repair for limited 2637 02:09:54.960 --> 02:09:58.159 common elements will be assessed against the owner to. 2638 02:09:58.119 --> 02:10:01.199 Whom the limited common element is a sign. 2639 02:10:01.680 --> 02:10:05.640 So they literally assigned. So it says, but when was 2640 02:10:05.680 --> 02:10:06.800 this assigned to you? 2641 02:10:09.039 --> 02:10:11.800 I'll be when I bought the unit, like twenty years ago. 2642 02:10:12.560 --> 02:10:17.960 Okay, So they're saying limited common elements specifically identified in 2643 02:10:18.119 --> 02:10:21.039 five to one. See, I don't have the rest of this. 2644 02:10:21.079 --> 02:10:23.079 That's the problem. You just sent me this. You didn't 2645 02:10:23.119 --> 02:10:27.199 send I mean you know you're sending me an okay. 2646 02:10:27.479 --> 02:10:34.279 Declaration states that the association is responsible for the improvement, maintenance, upkeep, 2647 02:10:34.680 --> 02:10:41.520 reconstruction and replacement of common elements and the limited common 2648 02:10:41.640 --> 02:10:46.760 elements specifically identified in five point one. But you're not 2649 02:10:47.000 --> 02:10:50.920 giving me five point one. I don't know what it says. 2650 02:10:51.079 --> 02:10:54.600 You sent me something that is you know, you send 2651 02:10:54.640 --> 02:10:58.039 me a resolution, bro, you know I have. It's referencing 2652 02:10:58.079 --> 02:10:59.239 your main bylaws. 2653 02:11:00.760 --> 02:11:02.920 Okay, that's that's what the h ways jumped me. 2654 02:11:03.680 --> 02:11:06.760 Well okay, well then we have Okay, then didn't you 2655 02:11:06.800 --> 02:11:11.640 have a question? Oh what is five point one? 2656 02:11:11.920 --> 02:11:14.680 Yeah, we've been going back and forth on emails and 2657 02:11:14.920 --> 02:11:17.760 they pretty much tore me right out straight that they 2658 02:11:17.760 --> 02:11:22.039 can fix it, but they're gonna build me for it. Okay. 2659 02:11:22.239 --> 02:11:26.760 What they're saying is that they're only responsible for what's 2660 02:11:26.880 --> 02:11:28.439 outlined in. 2661 02:11:28.600 --> 02:11:30.159 Five point one. 2662 02:11:30.439 --> 02:11:34.439 Okay, Okay, then it says okay, then it says five 2663 02:11:34.479 --> 02:11:38.880 point two of the declaration provides that an owner is 2664 02:11:39.000 --> 02:11:44.239 responsible for repairing and replacing all portion of the owners 2665 02:11:44.319 --> 02:11:52.439 uniments unit and the limited common elements unless otherwise provided 2666 02:11:52.520 --> 02:11:56.159 in five point one. So without seeing five point one, 2667 02:11:56.359 --> 02:11:58.039 I don't know what they're talking about. 2668 02:11:58.079 --> 02:12:00.399 This is useless to me. Okay. 2669 02:12:00.640 --> 02:12:04.119 They keep referencing five point one. Then it says Section 2670 02:12:04.279 --> 02:12:08.439 four point four states common expense associated with the maintenance 2671 02:12:08.439 --> 02:12:14.800 repair replacement of limited common element again may be assessed equally. Okay, 2672 02:12:15.319 --> 02:12:19.000 but we don't know what it is. Here's what I'm assuming, Okay, 2673 02:12:19.239 --> 02:12:23.800 from what I'm reading here, I'm assuming that they have 2674 02:12:24.880 --> 02:12:30.720 these water lines and these common elements sometimes going through 2675 02:12:30.800 --> 02:12:36.720 private property or through individuals' properties, and they're calling them 2676 02:12:37.479 --> 02:12:43.439 limited common elements, meaning they're limited to them. I don't know. 2677 02:12:43.800 --> 02:12:46.760 So we have to figure out they're defining it. And 2678 02:12:46.800 --> 02:12:50.000 if you moved in with that, then that's what you accepted. 2679 02:12:50.239 --> 02:12:55.239 But I don't know if you accepted that without reading it. Okay, 2680 02:12:55.760 --> 02:12:59.960 So you have to get your resume, not your resid 2681 02:13:00.760 --> 02:13:05.279 but the actual bylaws that lay these out. You need 2682 02:13:05.319 --> 02:13:07.399 to get me those or we and then we can 2683 02:13:07.439 --> 02:13:08.920 have one of our people look at it. 2684 02:13:09.239 --> 02:13:10.640 But if we sent this to our. 2685 02:13:10.560 --> 02:13:13.319 Real estate attorney, they would say, well, what does five 2686 02:13:13.359 --> 02:13:14.159 point one say? 2687 02:13:15.479 --> 02:13:18.319 Okay, so can you get that for us and get 2688 02:13:18.319 --> 02:13:20.159 back to us. Get that and we'll send it over 2689 02:13:20.159 --> 02:13:23.399 to Brad O'Brien and get an answer man, Yeah, but 2690 02:13:23.560 --> 02:13:26.119 we need to see what you agreed to. 2691 02:13:28.039 --> 02:13:30.560 And since the it's away and stuff is staying that 2692 02:13:30.800 --> 02:13:33.079 so if something happens to these other units and am 2693 02:13:33.079 --> 02:13:34.399 I responsible then for it? 2694 02:13:35.680 --> 02:13:37.840 What do you mean to these other units? What does 2695 02:13:37.880 --> 02:13:38.239 that mean? 2696 02:13:39.159 --> 02:13:42.079 Where I see the pressure, the high pressure valve is 2697 02:13:42.119 --> 02:13:43.880 not working, so the pressures up to one hundred and 2698 02:13:43.920 --> 02:13:46.920 twenty in the whole complex. So that's going to blow 2699 02:13:47.000 --> 02:13:47.920 up was pipes. 2700 02:13:48.680 --> 02:13:52.079 It could hurt. And if they say that you neglected 2701 02:13:52.119 --> 02:13:54.439 to fix, what was your responsibility? 2702 02:13:54.680 --> 02:13:56.600 I don't understand for the life of me how that 2703 02:13:56.640 --> 02:13:59.159 could be his responsibility for the whole building. 2704 02:14:00.159 --> 02:14:00.760 Neither do I. 2705 02:14:01.079 --> 02:14:06.760 Neither do I unless somehow mark they're defining two things 2706 02:14:07.159 --> 02:14:09.880 common elements I read it, I get it, and limited 2707 02:14:09.960 --> 02:14:13.640 common elements as as specified in five point one. 2708 02:14:14.000 --> 02:14:17.079 And unless we read five point one, we will never know. 2709 02:14:17.720 --> 02:14:22.399 But is it possible that that that homeowners have agreed 2710 02:14:22.439 --> 02:14:24.159 to these kind of ridiculous things. 2711 02:14:24.239 --> 02:14:27.199 Yeah, it is possible, Larry. What would cost to fix 2712 02:14:27.239 --> 02:14:28.319 that pressure regulator? 2713 02:14:29.760 --> 02:14:31.960 I'm not sure I had done plumbing. Come out and 2714 02:14:32.039 --> 02:14:34.760 look at my hot Why dosiness making some really loud 2715 02:14:34.800 --> 02:14:37.319 bangs because of the high pressure and the other ones 2716 02:14:37.359 --> 02:14:39.079 that discovered how high the pressure. 2717 02:14:38.920 --> 02:14:40.680 Was, but they didn't say what it will cost to 2718 02:14:40.720 --> 02:14:41.159 repair it. 2719 02:14:42.279 --> 02:14:43.359 No, they didn't. 2720 02:14:45.000 --> 02:14:46.279 How big is the line? Do you know? 2721 02:14:48.880 --> 02:14:51.520 I can't be it's not real big. It's just for 2722 02:14:51.520 --> 02:14:52.880 four units in this building. 2723 02:14:54.079 --> 02:14:57.760 Well it may not be that expensive, but you know, listen, 2724 02:14:58.359 --> 02:15:01.439 I want you to just the idea. Ask them for 2725 02:15:01.520 --> 02:15:03.600 a copy of all of the bylaws so you can 2726 02:15:03.640 --> 02:15:06.079 reference five point one. Just tell them you need to 2727 02:15:06.119 --> 02:15:08.600 reference the whole thing. You got it when you bought 2728 02:15:08.600 --> 02:15:12.039 your They probably provided it for you when you bought 2729 02:15:12.039 --> 02:15:15.560 your condo. And if you don't have it, you can 2730 02:15:15.600 --> 02:15:18.039 ask the title company where you closed to send it 2731 02:15:18.079 --> 02:15:18.279 to you. 2732 02:15:19.600 --> 02:15:21.159 How long ago did you buy there? 2733 02:15:23.319 --> 02:15:27.000 Uh, probably fifteen years, twenty year or something like that. 2734 02:15:28.000 --> 02:15:31.720 Well, this amendment was done in twenty sixteen, so you 2735 02:15:31.800 --> 02:15:36.279 own before that, and somehow along the lines they amended it. 2736 02:15:37.439 --> 02:15:39.640 So you need to get a copy of this stuff. Man, 2737 02:15:39.760 --> 02:15:41.800 you need to get a copy of the bylaws with 2738 02:15:41.880 --> 02:15:45.399 all of the amendments. It's possible when you moved in 2739 02:15:45.960 --> 02:15:48.000 it wasn't so, and then you. 2740 02:15:47.960 --> 02:15:50.560 Agreed to it. You agreed to it. 2741 02:15:50.880 --> 02:15:53.000 I got to take this break threeho three seven one 2742 02:15:53.079 --> 02:15:54.239 three A two five five