Speaker 1: Yeah, ripped.
Speaker 2: News need advice, so you don't have.
Speaker 3: Come running as fast as you can.
Speaker 2: Shooter's gonna help coming. Man Dix is the Troubleshooter Show.
Speaker 4: Now Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talk seven one three
Speaker 4: eight two five five. Here to help you solve your problems,
Speaker 4: answer questions, take complaints as I've been doing for forty
Speaker 4: five years. Here and uh, back at the studio, Major
Speaker 4: March Mark Major and uh, guests, we got a full house, brother, Mark,
Speaker 4: I'm sorry I didn't get that Selty you do you
Speaker 4: have a way to get on.
Speaker 2: You're gonna are you gonna be able to get on video? No, sir?
Speaker 2: We gotta get that camera back here. Yeah, I will.
Speaker 2: I'll do that today.
Speaker 4: So, uh anyway, introduced who we have Mark, Well, we
Speaker 4: got Deputy Dollar.
Speaker 5: He actually brought a friend of his. I'm assuming it's
Speaker 5: your girlfriend, but I don't know. What do we have
Speaker 5: your Deputy Dollar? Please introduce who this is.
Speaker 6: This is Susan.
Speaker 2: This is Susan and she's a great friend of mine.
Speaker 5: We've met her lot since I know. She's a very
Speaker 5: nice person. And then Choppers here in town.
Speaker 2: And Susan's a real estate attorney, isn't she? Yeah, she is,
Speaker 2: she's big time.
Speaker 5: She is a big time And then we have of
Speaker 5: course Choppers in and then Mitch Filaria, who I need
Speaker 5: to thank personally for the best looking master bathroom. Maybe
Speaker 5: that's not politically correct, but I still refer to it
Speaker 5: as that that I've ever seen. He came out and
Speaker 5: redid our bathroom. Tom it is absolutely beautiful. Make Suzanne happy.
Speaker 5: And you know how what they say, happy wife, happy life.
Speaker 2: That's right.
Speaker 5: Shannon's on the other side of the glass. And Suzanne
Speaker 5: of course answering the phones today.
Speaker 4: Yeah, we have a full house. And again I apologize
Speaker 4: for the video. That's my fault.
Speaker 2: I don't have that.
Speaker 4: I didn't have that camera set up anyway. So welcome people,
Speaker 4: and you can call or text us at any time.
Speaker 4: We'll have the audio open to the studio the whole time,
Speaker 4: and I'll throw up a picture, even though Mark doesn't
Speaker 4: like it of him anyway, anyway, So give us a call.
Speaker 4: Three oh three seven one three talk three oh three
Speaker 4: seven one three eight two five five.
Speaker 7: Uh.
Speaker 4: While I have mentioned how Mitch at the Art of
Speaker 4: granted we talk about you guys a lot man, So
Speaker 4: is it too late to get countertops? It is too
Speaker 4: late for it has to be too late for Thanksgiving, right.
Speaker 6: Good morning?
Speaker 1: Thank you for having me.
Speaker 8: Yes, sir by the way, then showed me the pictures
Speaker 8: of the of the completed bedroom project and looks very nice.
Speaker 8: I don't think it's too late. We still have openings
Speaker 8: before Thanksgiving. Remember, it just takes the week from from measuring.
Speaker 8: So if you if you put your order in the
Speaker 8: next week or wee can half, we can still get
Speaker 8: it done before the holidays.
Speaker 5: It's quick, man, he came out, he measured, does the template?
Speaker 5: I actually watched his guys do the template for the
Speaker 5: first time. It's pretty interesting to watch and how how
Speaker 5: perfect it is. When they actually bring the stone back,
Speaker 5: You're like, how can they get it that perfect? But
Speaker 5: it is quick as hell. Man, you template it and
Speaker 5: then a week later the install. I mean it was quick.
Speaker 2: Yes, when you when you template, oh, I match?
Speaker 4: Do you use cardboard or what what do you do
Speaker 4: to get the shape?
Speaker 9: Uh?
Speaker 2: No, I often wondered. I often wondered that.
Speaker 8: By the way, No, we use some plastic sheets and
Speaker 8: we use the hot glue gun for that and that
Speaker 8: that allows us to get very close to the walls
Speaker 8: and eliminate any gaps and always get the correct overhangs.
Speaker 1: And uh uh yeah.
Speaker 8: Usually Chris comes out and he'll explain the process while
Speaker 8: he does that.
Speaker 1: The measuring.
Speaker 2: The other thing that was crazy.
Speaker 5: We went to his yard and Suzanne didn't see exactly
Speaker 5: what she wanted there, so he sent us over.
Speaker 2: What was that place you sent us over to You
Speaker 2: had a wholesale account?
Speaker 8: We used, Yes, you want one of the local supplies.
Speaker 8: There's about four or five.
Speaker 2: It was massive time.
Speaker 1: I have lots of options.
Speaker 2: It was like walking.
Speaker 5: Into a football field of granite and courts and any
Speaker 5: hard service you can imagine. You walk up and down,
Speaker 5: then you pick it out and you literally buy it
Speaker 5: at a wholesale price on Mitch's account, so you pay
Speaker 5: the exact same thing he pays for the stone.
Speaker 2: He doesn't mark it up at all. It's crazy.
Speaker 4: I wanted to ask a question. That's you know, I
Speaker 4: think I know, But is granite when you take the
Speaker 4: stone and you polish it to get that shiny look
Speaker 4: or the leathered look or whatever look you get, does
Speaker 4: that have to be sealed when you put it in
Speaker 4: a kitchen or bath or is it porous?
Speaker 2: Is there a sealant on it?
Speaker 8: The natural stonies some of them more pores than others.
Speaker 8: Therefore it should be sealed, and the crew does soually.
Speaker 4: So Actually, if it's not sealed, can you actually start
Speaker 4: getting water spots and absorption of water or color or
Speaker 4: minerals or stuff you do?
Speaker 8: So, what happens is if you if you spill a water,
Speaker 8: they will eventually evaporate and it won't stain. But if
Speaker 8: you spill a dark, dark liquid like a coffee or
Speaker 8: you know, soda or something, that that pigment gets stuck
Speaker 8: in a stone and leaves a stain behind, and that's
Speaker 8: very difficult or something.
Speaker 2: Only if it's not sealed. Only if it's not sealed. Yes, Now,
Speaker 2: how long does that cealant?
Speaker 4: I've often wondered this mitch because I've noticed a few
Speaker 4: off colorations in my other house there where it's not
Speaker 4: a shiny surface. But I assume it was sealed at
Speaker 4: one time. How long does that sealant last?
Speaker 8: Well, a lot longer than before beers Ago seiler used
Speaker 8: to last six months or an ear, and you'd have
Speaker 8: to redo it over again. The seilers now days are
Speaker 8: obviously better quality and they would last many, many years.
Speaker 8: Some would say lifetime, but we recommend resealing every five
Speaker 8: to ten years, especially around the sinks where it gets
Speaker 8: more and more traffic in use.
Speaker 5: Five to ten years, that's incredible. So our stuff's good
Speaker 5: five to ten years you just put in.
Speaker 8: So you got courts in the bathrooms, Engineer stone court.
Speaker 2: Does that have to be sealed too?
Speaker 8: No, that is non purse. That's purse. That's one of
Speaker 8: the main advantages.
Speaker 2: So I don't get a mess with it.
Speaker 1: You don't you don't need to seal it.
Speaker 8: Yes, you will not stay and whether it will not
Speaker 8: will not penetrate it or any liquids. And that's one
Speaker 8: of the advantages of sealers. Now, remember, besides the natural
Speaker 8: besides the local suppliers where mark you went, we also
Speaker 8: have all the all the court samples several hundreds there
Speaker 8: and all the natural slabs of our yard.
Speaker 1: OK.
Speaker 8: So I invite customers to stop by as well the
Speaker 8: showroom and then if you don't find your your stone there,
Speaker 8: we can we can guide you. You can go to the
Speaker 8: supplier and pick up your you know, your specific labs.
Speaker 8: And yes, we don't op charge material they cost whatever
Speaker 8: they costed.
Speaker 1: We had labor, and that's that's what the what the
Speaker 1: project price is.
Speaker 5: What do you do with like we probably had We
Speaker 5: had to have two massive slabs, they were huge. What
Speaker 5: do you do because I know there's at least a
Speaker 5: quarter of one, if not a half of one of
Speaker 5: those slabs left.
Speaker 2: I don't want it. What do you guys do with that?
Speaker 8: Well, if you have an additional bathroom, or if you
Speaker 8: want us to.
Speaker 2: Cut a tabletop or or a window.
Speaker 5: Seal or yeah, but we don't want any of that,
Speaker 5: so it just do you sell that? Research gives it away,
Speaker 5: he gives it away.
Speaker 8: Yeah, so we so customers can stop buy and select
Speaker 8: from uh you know, from all the remnants we have
Speaker 8: and if that feeds their their project, like a like
Speaker 8: a bathroom or even a small kitchen, and they can
Speaker 8: have it and we uh we just charge labor for it.
Speaker 2: Just the fabrication. Don't pay for it.
Speaker 4: That's incredible exactly, and even the tear out halloways for you.
Speaker 4: So so I've said that before. You know, you get
Speaker 4: wholesale on materials, but if you get something from the
Speaker 4: from the remnant yard, it's basically uh for free of charge.
Speaker 5: And I want to ask you something a little outside
Speaker 5: of granted, when did you come to this country?
Speaker 2: Man?
Speaker 1: Two thousand and three, twenty one?
Speaker 2: You're from where? I mean, I know the answer right now.
Speaker 6: I'm from Romania?
Speaker 5: And what growing up in Romania? I mean, at what
Speaker 5: point did you say, hey, I want to come to
Speaker 5: the US? I mean, is that something when you're born there?
Speaker 5: The average person, they want to get here.
Speaker 8: Yeah, So everybody knows of the American dream, even if
Speaker 8: they're outside of America, and everybody looks up to America
Speaker 8: and and and you know a lot of people want
Speaker 8: to come out here and see how it is, and
Speaker 8: and if they like it, then you know a lot
Speaker 8: of them want to, uh want to migrate here and
Speaker 8: and start a life and a family. And that's that's
Speaker 8: exactly what I did. I was I was twenty three,
Speaker 8: I was in college and and uh I applied and
Speaker 8: got a visa and and and I came out here.
Speaker 1: I worked for several months. I liked it.
Speaker 2: And you didn't sneak over the border.
Speaker 1: Did not steak okay, you know.
Speaker 2: Sir, Okay.
Speaker 4: Bottom line is if you have a problem, question or complaint,
Speaker 4: we want to take the call three oh three seven
Speaker 4: one three talk three oh three seven one three eight
Speaker 4: two five five and we have a lot to talk
Speaker 4: about today.
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Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two, Tom Martino, you're a troubleshooter. You can
Speaker 4: text me at five seven seven three nine. That's the
Speaker 4: iHeart short code, or anytime twenty four to seven you
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Speaker 4: seven four seven nine nine nine fifty two eighty seven
Speaker 4: four seven nine nine nine fifty two eighty All right, So, uh,
Speaker 4: I had instructions from the wife, from your wife, do
Speaker 4: not use that picture of Mark.
Speaker 2: So I didn't, So I got a new one.
Speaker 4: I'm gonna pull up so when Mark's talking until we
Speaker 4: get the video up and running in the studio.
Speaker 2: There you go.
Speaker 4: You like that better, suits, You'll see it in a
Speaker 4: few seconds on YouTube three oh three seven one three
Speaker 4: eight two five five. Bob's got a question on mortgages. Hello, Bob,
Speaker 4: and welcome to the show. I'm Tom Martinez.
Speaker 2: What's going on, Bob?
Speaker 10: Tom? Mike newly mentioned son Ala owns a house with
Speaker 10: his brother. He watched the buy his brother and Al
Speaker 10: they got married, talked to the bank, went on their
Speaker 10: honeymoon and they expected to be every bank, everything beyond
Speaker 10: the door. They got back to the bank told them
Speaker 10: that you talked your mother off the mortgage and that
Speaker 10: you're awaie, you need to rEFInd you.
Speaker 2: Okay, let me get it straight now, Bob.
Speaker 4: The current mortgage is he and his brother, and he
Speaker 4: wants to make it he and his wife.
Speaker 2: Yeah, yeah, you got to refight.
Speaker 4: Yeah, you can't substitute lenders, but I mean borrowers. What
Speaker 4: you have to do is get them qualified and or
Speaker 4: or not. If he qualifies alone, if he needed that
Speaker 4: other guy for the qualification, then the Newland borrower has
Speaker 4: to get qualified. But yeah, you would. What is their
Speaker 4: interest rate right now?
Speaker 10: All it's real low.
Speaker 11: It's like a three D tom.
Speaker 5: I just thought of something though, because it was two
Speaker 5: brothers or whatever.
Speaker 2: He just said.
Speaker 5: I can barely hear you, by the way, guy, But
Speaker 5: I wonder if it is tenants in common, you would
Speaker 5: assume a married couple. But maybe, just maybe he does
Speaker 5: have the ability just to sell half that house.
Speaker 4: Yeah, but hold on, duan sale comes in with the mortgage.
Speaker 4: But but I'm wondering, do you know how it's held, Bob?
Speaker 4: How the son in law is holding that home as
Speaker 4: far is the brother on the title, hes the brothers.
Speaker 10: On the title and the mortgage joint tenancy. We couldn't
Speaker 10: he just drop his father?
Speaker 2: No he can't.
Speaker 4: Well, he can drop his brother if they both agree,
Speaker 4: they can drop him off the deed and quit claim
Speaker 4: it to he and his wife.
Speaker 2: Yeah, but the bank's still going to be owed. Yeah,
Speaker 2: that's true.
Speaker 4: What I'm saying is though, if the house is collateralizing
Speaker 4: the loan, the brother may not care unless the brother
Speaker 4: needs his qualification or he needs to be off the loan.
Speaker 4: So is the brother willing to quit claim his interest
Speaker 4: to the home and stay on the loan, or does
Speaker 4: he need to get off the loan for other reasons.
Speaker 10: He wants to get off the loan because he got
Speaker 10: married a couple of years ago and him and his
Speaker 10: wife purchased a condo, So that's cleaner.
Speaker 4: I get it. That's cleaner. Then he's gonna have to refly.
Speaker 4: There's no there's really no way around.
Speaker 5: Can name simply not qualify on the REFI? Or they
Speaker 5: don't want to get out.
Speaker 4: Of a well, they don't want to get out of
Speaker 4: their low rate mark, They don't want to get out
Speaker 4: of that low rate man.
Speaker 5: Well, then you go with someone like Ideal. It's got
Speaker 5: a rate guarantee and they'll refire for free.
Speaker 4: That's true now Ideal Home Loans three three eight sixty
Speaker 4: seven seven thousand, Ideal home loans dot Com. What they
Speaker 4: will do is refy him. And when rates go down,
Speaker 4: even by three quarters of a percent or more, they
Speaker 4: refy you free of charge. So you can keep ratcheting
Speaker 4: down if you want, if the rates go down.
Speaker 2: But you're not going to just start out low. You're
Speaker 2: just not going.
Speaker 10: To Yeah, I know, it's just kind of a quandaryform
Speaker 10: because of the brother that he has the condo. They
Speaker 10: just had a baby, they want to get a bigger condo.
Speaker 10: He wants to keep a person on the rental. Wow,
Speaker 10: it's all these tech.
Speaker 9: People with money.
Speaker 4: Yeah, you know, you know, listen, it really is good
Speaker 4: that you're talking about this because there's two situations that
Speaker 4: are really bad. Being on a title and not on
Speaker 4: the loan, and being on the loan and not on
Speaker 4: the title, and both of that would happen if you
Speaker 4: did the transferring.
Speaker 5: With quick claims well and the person quit claiming, it
Speaker 5: would no offense to whoever it is.
Speaker 2: I mean, how ironic would that be? You own nothing, but.
Speaker 5: You have to you're the collateral for the deck. Get
Speaker 5: the hell out of here.
Speaker 4: Yeah, well, the house is first collateral, but then you
Speaker 4: would be second.
Speaker 2: You would be second collateral.
Speaker 4: Plus it ties up your eligibility for other loans. That's
Speaker 4: the real rub as well. But he's gonna have to
Speaker 4: do that.
Speaker 2: I don't.
Speaker 4: I mean, I don't know why they wouldn't substitute.
Speaker 2: Did they that?
Speaker 4: Because they don't like having the low interests out there?
Speaker 2: Who's the lender?
Speaker 10: I don't know who the lender is. I was just
Speaker 10: you have told me the situation, and I knew you
Speaker 10: guys would.
Speaker 2: Be I'm just wondering if they approached the lender.
Speaker 4: And ask, did they actually ask, can we substitute borrowers
Speaker 4: if the borrower qualified?
Speaker 2: I've never heard of that ever happening.
Speaker 4: Well, actually, i've heard of it happening in the old days.
Speaker 4: I don't think it'll happen now because there are no assumptions,
Speaker 4: but I'm one if they would do it.
Speaker 5: I'm not saying they have to if she couldn't qualify.
Speaker 5: Do you think she could qualify now to buy that house.
Speaker 2: Yeah, okay, could.
Speaker 4: We ask Brent Ivans and can we try to get
Speaker 4: him on the air and just.
Speaker 2: Let's just ask him a question real quick and see. Okay, Richard,
Speaker 2: what if I was.
Speaker 5: A lender, the first thing I would think if you
Speaker 5: called me up and said, hey, can we swap The
Speaker 5: first thing I would think is absolutely no, and I'd
Speaker 5: hang up on you. But then if I actually thought
Speaker 5: about it, I would think that you guys were planning something.
Speaker 5: In other words, you were trying to put me on
Speaker 5: the hook for something. I can't imagine a lender ever
Speaker 5: doing it.
Speaker 2: Well, here's the only time I can see a lender
Speaker 2: doing it. No matter what. When they placed that loan,
Speaker 2: they're making money on it.
Speaker 4: Okay, if they think they're going to refly with them,
Speaker 4: then they would want them to refly at a higher
Speaker 4: rate and make more money, but or or make a
Speaker 4: new loan. But if they know they're going to lose
Speaker 4: the business, what you know, I would want to keep it,
Speaker 4: even if I'm not making as much as I can
Speaker 4: on current rates.
Speaker 2: Well, just think of the points and the closing cost
Speaker 2: on it.
Speaker 5: I mean, even if they did swap them out, just
Speaker 5: the paperwork and stuff could cost thousands of dollars to
Speaker 5: get done. It would be almost like it would be
Speaker 5: closing again. The interest rate would go up. It would
Speaker 5: be a no loan. I've never heard of someone just
Speaker 5: going we'll take Mark off and put Tom on that loan.
Speaker 2: No problem.
Speaker 4: Well, like I said, in the old days, they did
Speaker 4: it all the time. I don't know if they would
Speaker 4: do it now. What I was at. What I was
Speaker 4: saying is try it. See what they say about it.
Speaker 4: You know, I don't know. I yeah, we'll see what
Speaker 4: Bred's said. The worst they can say is no, right,
Speaker 4: all right, we put a message into ideal. We'll try
Speaker 4: to get an answer for you. Keep listening, okay, and
Speaker 4: we'll just ask the question. Three oh three seven one
Speaker 4: three tonks seven one three eight two five five Frank
Speaker 4: durand the Realists date Man is available to do market
Speaker 4: valuations for your home for the asking. So if you
Speaker 4: want to know what your house is worth, or what
Speaker 4: it will self for, what you will net, what you
Speaker 4: can buy any of this information before listing, Frank will
Speaker 4: gladly do it with no obligation.
Speaker 2: And it's an in depth review.
Speaker 4: Three oh three nine two zero sixteen twenty two Frankedrande
Speaker 4: real Estateman dot com. Go with a sure thing Denver's
Speaker 4: best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation comparison
Speaker 4: call Compass Insurance. Paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: to seven to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real Estateman dot com to list your home
Speaker 4: with Remax Alliance. Three oh three nine two zero sixteen
Speaker 4: twenty two. Hi Tom Martine, you're a troubleshooter. Three oh
Speaker 4: three seven one three talk three all three seven one
Speaker 4: three eight two five five.
Speaker 2: Welcome to the show.
Speaker 4: Okay, let's talk to you about problems, questions and complaints. Now,
Speaker 4: Richard wants to talk about a trash service. Go ahead,
Speaker 4: what's going on?
Speaker 2: Bridge?
Speaker 12: Yeah, that's that's right.
Speaker 6: How are you, sir?
Speaker 2: I'm doing good man? What's happening? Good good?
Speaker 12: I'd like to talk to you about my trash company
Speaker 12: is called Waste Connections of Colorado. I called him last
Speaker 12: week and canceled my service and the guy was really
Speaker 12: good about it. No problems there. He canceled my services
Speaker 12: of November.
Speaker 6: First.
Speaker 12: He asked me why I was canceling, and I said,
Speaker 12: I was going to be going a different route, I
Speaker 12: mean a different company. Yeah, he said, no problem. He
Speaker 12: said there is a thirty two dollars cancelation fee.
Speaker 2: Did you ever I agree to that?
Speaker 9: Oh?
Speaker 12: Well, that's why I asked to him. I said, well,
Speaker 12: wait a minute. I said, to start with a monthly
Speaker 12: trash service is only thirty four dollars in change, and
Speaker 12: you want to charge me thirty two dollars to cancel.
Speaker 12: I've been with you for many, many, many years.
Speaker 11: I told him.
Speaker 12: I said, send me a copy that I agreed to.
Speaker 4: URMs like exactly, that's exactly right, yeah, and he and
Speaker 4: his answer was, well, we don't keep records that far back.
Speaker 2: Well, then don't worry about practice. Tell him the pound sand.
Speaker 6: That was my thought, you know.
Speaker 12: So he says, well, we'll be sending you a bill,
Speaker 12: and I said, well you go.
Speaker 4: Yeah, good, and don't pay it exactly, And don't pay
Speaker 4: it and when he comes after you, you'd say, where
Speaker 4: where's the Where did I agree to it?
Speaker 2: They'd never come after him because they have nothing exactly.
Speaker 13: That was my thoughts.
Speaker 5: Yeah, that's it, man, They're not going to take you
Speaker 5: over to court when they have nothing for.
Speaker 2: Thirty two bucks.
Speaker 5: And if they put it on your credit, they're opening
Speaker 5: up a real, a real problem for themselves.
Speaker 2: Yeah.
Speaker 4: People just do that kind of crap automatically.
Speaker 2: It's just crap.
Speaker 5: You know what you should do is send them a bill,
Speaker 5: just make something up, send them a bill for being
Speaker 5: jerks thirty five bucks.
Speaker 2: Yeah, you say, hey.
Speaker 12: Boy, I want a consideration of of of dealing with
Speaker 12: your with your thirty two dollars.
Speaker 4: You know, but I love the way companies try. I
Speaker 4: love the way companies try to do this crap.
Speaker 2: You know that.
Speaker 4: It's just so amazing to me. Well, listen, just do
Speaker 4: you know that's what I would do, Richard? Thank you
Speaker 4: for calling three or three seven one three talks seven
Speaker 4: one three eight two five five. Now John is wants
Speaker 4: to talk about buying a house from a trust.
Speaker 2: Go ahead, John, how are you doing, sir good Man? Now?
Speaker 2: Is this a trust? An irrevocable or evocable trust?
Speaker 4: And it's before or after death of the of the originator?
Speaker 11: After death, so I guess it's irrevocable.
Speaker 4: Now well, yeah, okay, so the guy died or the
Speaker 4: woman died? The houses in the trust? Are there other
Speaker 4: assets in the trust?
Speaker 10: Just a couple of bank accounts right now?
Speaker 11: And the house which is in And who.
Speaker 4: Are the beneficiaries? Who are the beneficiaries of the trust.
Speaker 11: You'll be myself and five of my siblings.
Speaker 4: They are the beneficiaries named in the will and the
Speaker 4: trust right or in one or the Okay, now who
Speaker 4: is the trustee?
Speaker 11: That's me?
Speaker 4: Okay, now you can now, now you can. Normally, anything
Speaker 4: in the trust is equally owned by the beneficiaries unless
Speaker 4: otherwise named and otherwise apportioned. So if it is owned
Speaker 4: by all of you, you simply can buy it with
Speaker 4: their approval.
Speaker 11: Okay, So I need to do it. I understand that
Speaker 11: I have my brothers and sisters on board with the
Speaker 11: purchase price. Yes, do I need to do a quick
Speaker 11: claim deed?
Speaker 2: Or no? No? No, no, no quit claim?
Speaker 4: See quick claim deeds are so misunderstood they should almost
Speaker 4: never be used. Okay, But but what you do is
Speaker 4: you literally buy it from the trust for a predesignated
Speaker 4: price that you all agree on, and that's it.
Speaker 2: Then it becomes yours now as far.
Speaker 4: As the basis goes, the trust in the trust has
Speaker 4: a stepped up basis at death, so that basis is
Speaker 4: what it was it was.
Speaker 2: At the time of death.
Speaker 4: So if you purchase it for that amount you will
Speaker 4: have you will have hardly any gain of your reseller.
Speaker 4: Are you going to keep it to live in or
Speaker 4: are you going to sell it again?
Speaker 2: What are you going to do?
Speaker 11: No, I'll keep it to live in. I'll sell the
Speaker 11: house I'm presently presently living in, Okay, and then pay
Speaker 11: my siblings from those proceeds.
Speaker 2: Okay. And you're you're you arrived at a price right.
Speaker 4: And it's not artificially low okay, okay, because.
Speaker 11: You know it's low knowing the problem. It's low knowing
Speaker 11: the problems of the house, such as you know what
Speaker 11: needs to be reach Yeah.
Speaker 4: Yeah, but if if it's if it's substantially okay, you
Speaker 4: inherited the present day value. But if sometimes of people,
Speaker 4: if it suddenly went up in price and people purposely
Speaker 4: sell it for less uh to a sibling to get
Speaker 4: so there's no capital gains to the trust, that could
Speaker 4: run a problem.
Speaker 2: But right now there's not going to be a problem
Speaker 2: with what you're doing. Now, you have to have a
Speaker 2: real closing and and really do it.
Speaker 4: Okay, you don't need you don't need a lot of complications,
Speaker 4: but you should have someone handle it for you. You
Speaker 4: can have a transaction broker actually handle it for you,
Speaker 4: like Frank Randa, the real estate man. He can act
Speaker 4: as a transaction broker. Or you can go to real
Speaker 4: estate attorney like ols Law O'Brien Legal Services, our real
Speaker 4: estate attorney in the studio, she's there. Let's I'm gonna
Speaker 4: tap you, Susan. You don't get to sit there for nothing.
Speaker 4: What do you think, Susan, we're talking correct, right, I
Speaker 4: mean as far as it's a real estate transaction, right.
Speaker 2: That's correct, that's correct.
Speaker 14: And I agree that they need a third party involved
Speaker 14: to help them work through.
Speaker 2: Yeah.
Speaker 4: And it can't be art it can't be artificially low
Speaker 4: to avoid taxes for the trust or for the right.
Speaker 6: Right.
Speaker 4: Yeah, So I think you're I think since you when.
Speaker 2: Did the uh when did the person die?
Speaker 11: Over a year ago?
Speaker 2: And okay, so there there.
Speaker 4: Might be some gain, but but you don't have to
Speaker 4: You don't necessarily have to pay exactly what the market
Speaker 4: value is. If you know of problems in the house,
Speaker 4: but you're going to probably have not much of a
Speaker 4: gain anyway, because it last year and this year, there's
Speaker 4: probably not that much difference in the value of the
Speaker 4: home and and the home because it was in a
Speaker 4: trust and it was passed on to the trust gets
Speaker 4: the new stepped up basis, so you know, get somebody.
Speaker 2: Who knows what they're doing, okay and that, but it's
Speaker 2: not that complicated at all.
Speaker 11: So for budgeting purposes, a couple thousand dollars or so
Speaker 11: for a translaction like that, I.
Speaker 2: Don't actually know, but now you know what.
Speaker 4: See in Colorado, real estate brokers have what's called a
Speaker 4: limited practice of law when it comes to transactional business
Speaker 4: regarding real estate. Okay, they're not lawyers, but they literally
Speaker 4: can advise you on certain transactions. So if you can
Speaker 4: find a real estate person like Frank Duran, if he
Speaker 4: wants to do it and feels comfortable.
Speaker 2: Then he can help you. A good title company can
Speaker 2: help you. They are all qualified to help you.
Speaker 4: However, if you want, there's nothing wrong with consulting a
Speaker 4: real estate attorney as well as in o LS law
Speaker 4: dot com.
Speaker 2: I mean, you could call and ask what will that cost?
Speaker 4: Do you think for me to buy an uncontested purchase
Speaker 4: from a trust, just ask for an estimate on how
Speaker 4: many hours would.
Speaker 2: It take and then you go the route you want.
Speaker 4: A transaction broker is going to charge a small commission.
Speaker 4: It's not the same as if you listed the house
Speaker 4: and an attorney's going to charge something. Your title fees
Speaker 4: will be the same no matter who you use. So
Speaker 4: that's what they're going to be a fixed amount, So
Speaker 4: just call and get some estimates. I've always believed that
Speaker 4: attorneys should be willing to give an estimate of their
Speaker 4: time and energy for a transaction. I mean, Susan, you
Speaker 4: don't find that an unusual question. When you were you
Speaker 4: were in private I don't know if you're not really
Speaker 4: in private practice right now, right.
Speaker 2: No, I'm actually retired and I wasn't.
Speaker 4: But if you were in private practice, did you used
Speaker 4: to give an estimate of what it might take?
Speaker 2: Yes? Absolutely. People need to know going in what their
Speaker 2: top line is. Yeah.
Speaker 4: Yeah, So anyway, I wish you the best on that, John,
Speaker 4: but I think you're here on the right track and
Speaker 4: there's no controversy there, so you should be fine. Three
Speaker 4: h three seven one three, eight, two five five more
Speaker 4: coming up on The Troubleshooter Show and eight eight eight
Speaker 4: heating dot com speaking of checking your furnace before winter.
Speaker 2: They do a great job for forty five bucks.
Speaker 4: They're deep clean eight eight eight Heating dot Com and
Speaker 4: Garrett and his team are great people. They've been on
Speaker 4: a referraless more than twenty years eight eight eight heating
Speaker 4: dot Com. Go with a sure thing Denver's best roofer
Speaker 4: Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three all
Speaker 4: three nine two zero sixteen twenty two. Hi, Tom Martino,
Speaker 4: you're Shooter three or three seven one three talks seven
Speaker 4: one three eight two five five Michelle, you have a
Speaker 4: question for Mitch Florida the art of Granite.
Speaker 2: Go ahead, Michelle, Hi.
Speaker 15: I live down south of Colorado, Springs and wasn't sure
Speaker 15: if Art of Granite service down this far or if
Speaker 15: he had a reference for someone in the spring.
Speaker 8: Mitch, Michelle, thank you for calling. Yes, we go quite
Speaker 8: far with our services. We just need to visit your
Speaker 8: house twice. We'll come out and make those final templates
Speaker 8: and then the crew comes back several days later and
Speaker 8: installs everything in one day. You can send us pictures
Speaker 8: or just sketch out a rough layout.
Speaker 1: If you have any questions on how to do.
Speaker 8: That, just just text me the photos of your kitchen
Speaker 8: and then I'll guide you on how to measure. We'll
Speaker 8: be able to provide you a price over the phone,
Speaker 8: and if that works out for you, we'll schedule that, uh,
Speaker 8: that template appointment.
Speaker 2: But yes, hey Mitch, is that your general number?
Speaker 6: One?
Speaker 2: You can text.
Speaker 8: Yes, my cell phone number three zero three three eight
Speaker 8: sixty five nine one nine.
Speaker 4: So that's the number we give out in your commercials
Speaker 4: every day.
Speaker 2: So you actually take the call.
Speaker 4: Oh wow, okay three or three three eight six fifty
Speaker 4: nine nineteen.
Speaker 6: Thank you.
Speaker 2: Yeah, he gives he gives prices on the phone. Michelle.
Speaker 5: How far will you I mean she brought something up though,
Speaker 5: How far will you go either direction down the front range.
Speaker 5: Will you go to like Pueblo or where where do
Speaker 5: you draw that line?
Speaker 8: Oh, we don't like to go, you know a couple
Speaker 8: of times a week to Pueblo, but we will go.
Speaker 8: We just measured the project in Pagosa Springs. We went
Speaker 8: to the Black Hills in South Dakota before one.
Speaker 2: Oh my goodness.
Speaker 6: Four.
Speaker 8: That's usually for repeat customers, like we do a job
Speaker 8: for them in Denver Metro and then they have a
Speaker 8: second home or they move and they really want us
Speaker 8: to you know, be the call man to fabricate their
Speaker 8: kind of tops at their new location.
Speaker 1: That's that's how we.
Speaker 4: Travel from And as you said, match, if you know
Speaker 4: the job and you know what it's going to cost
Speaker 4: and you go twice, you can so you can p Dick.
Speaker 4: Do you ever have to go back a third time?
Speaker 4: Is there ever something that comes up?
Speaker 8: Sometimes if we install those high full backsplashes to the
Speaker 8: upper cabinets, will have to go you know, a second
Speaker 8: time for installation, but generally just just one time and
Speaker 8: we complete it in one day.
Speaker 1: And then Michelle for colors and products.
Speaker 8: We can you know, send you links or you can
Speaker 8: of course you welcome to visit here, but that's a
Speaker 8: far drive for you.
Speaker 4: Hey, Mitch, have you ever had another professional do the
Speaker 4: templating and send it to you or do you not
Speaker 4: not like that at all?
Speaker 2: No, we don't like that.
Speaker 8: Usually the rule of time we measure, we install. If
Speaker 8: you have a small project and you wish to, you know,
Speaker 8: provide your own measurements, you'd have to pick up that
Speaker 8: piece and install it yourself.
Speaker 2: All right.
Speaker 4: By the way, I do have I do have a
Speaker 4: text here on my Google line and it says, just
Speaker 4: wanted to say that I know Mitch Florida, the whole
Speaker 4: family per personally. They are great people, genuine uh yeah,
Speaker 4: just good people. So anyway, even nicer in person than
Speaker 4: he sounds on the misunds like a plant.
Speaker 2: Well, did mitcha have him call in? What do you think?
Speaker 2: I don't know what that is?
Speaker 4: But now very much for this one guy also, And
Speaker 4: then when one guy said, why didn't couldn't those brothers
Speaker 4: get in assumbob alone? Well, there are no more assumable
Speaker 4: loans as I understand it, and they would have had
Speaker 4: to have one in place for that wife to be
Speaker 4: to be able to assume it. And what would have
Speaker 4: happened is the husband and wife would have purchased it
Speaker 4: from the brother.
Speaker 2: From the husband and brother.
Speaker 4: But that's why we're waiting for our mortgage experts to
Speaker 4: find out. I don't believe there are assumable loans any longer,
Speaker 4: and they're usually due on sale. Three oh three seven
Speaker 4: one three talkers and our number. We'll get right to
Speaker 4: all of your calls. Three oh three seven one three
Speaker 4: A two five five or three oh three Martino. That's
Speaker 4: three oh three six two seven eight four six six.
Speaker 4: We have more coming up on the Troubleshooter Show. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty.
Speaker 16: Two Rittle advice so you don't have.
Speaker 2: Cam Shooter's gonna help.
Speaker 17: Come man, this is.
Speaker 2: The Troubleshooter Show.
Speaker 4: No Tom Martine, Hi Tom Martino. You're Troubleshooter. Three oh
Speaker 4: three seven one three talk seven to one three.
Speaker 2: Eight two five five.
Speaker 4: What's on your mind? How can we help you? What
Speaker 4: is going on? Well, we are here and we have.
Speaker 2: A studio fullback at the studio we.
Speaker 4: Have Major Mark Major and and crew. We have two
Speaker 4: deputies there, Deputy Dollar I believe, Jeopardy choppers there, I believe.
Speaker 4: We also have guests in the studio Mitch Fluria from
Speaker 4: the Artifgranite dot com and also Susan who's there as
Speaker 4: a common woman. And if you are new to the show,
Speaker 4: we call people common man and common women woman, meaning
Speaker 4: they come into the studio from the great unwashed and
Speaker 4: they bask.
Speaker 2: In our radio glory.
Speaker 4: And so therefore we are going to you know, it's
Speaker 4: kind of tricky, you know, during COVID that went away,
Speaker 4: but we're trying to get more and more people back.
Speaker 4: And now we have Brent Ivanson Ideal Home Loans, and
Speaker 4: we talked about the interest rate guarantee and to someone
Speaker 4: else this morning. Then we had another question about loans. Now, Brent,
Speaker 4: I want to ask some general questions. First, thank you
Speaker 4: for being here. Are they Is there any such thing
Speaker 4: as an assumable loan anymore?
Speaker 18: You know some of your government products are assumable. It's
Speaker 18: difficult to get it done because of the discretion of
Speaker 18: the servicer. But yes, generally speaking, there are assumable loans,
Speaker 18: but it's really.
Speaker 9: Difficult to get done with you them.
Speaker 4: Okay, then if you let's say you had two brothers
Speaker 4: and they were on a home together, both the title
Speaker 4: and the loan. One of the brothers got married, and
Speaker 4: now he wants to buy the home, or not buy
Speaker 4: the home, but he wants to get his brother off
Speaker 4: of the get and I don't even know what they're
Speaker 4: doing about the monetary thing. But the brother wants to
Speaker 4: get off that loan and get off that title, and
Speaker 4: the other brother wants to stay on that loan and
Speaker 4: stay on that title, but add his wife.
Speaker 2: Do they ever do?
Speaker 4: Have you ever heard if someone does qualify and all
Speaker 4: other things being equal, would they ever would any lenders
Speaker 4: ever substitute borrowers?
Speaker 18: Well, I've not heard of anybody doing that where they
Speaker 18: would substitute the borrower, where the servicer would say, hey,
Speaker 18: we're going to take the brother off and put the
Speaker 18: wife on. I can tell you, you know, it's easy to
Speaker 18: add the wife to title just for legal purposes. And
Speaker 18: then right, if you can prove for a period of
Speaker 18: time that the remaining brother and the property is solely
Speaker 18: making the mortgage payment himself, that will absolve the other
Speaker 18: brother of that debt. Because you can prove somebody else's
Speaker 18: making that payment on that debt, you know, won't count
Speaker 18: against you and your qualifying in your own personal.
Speaker 2: Really, lenow, I didn't know that.
Speaker 4: However, though, if poop ever hit the fan, they could
Speaker 4: still go after that other brother.
Speaker 18: Yes, And so that's the tricky part of that, right is,
Speaker 18: if you're the brother moving out, you want to make
Speaker 18: absolutely certain, if you're going to keep your name on
Speaker 18: that loan, that the other party is going to make
Speaker 18: timely payments, because that will impact your credit if they
Speaker 18: down day it.
Speaker 4: Okay, that's great news, but basically for these guys, they're
Speaker 4: going to have to get.
Speaker 2: A new loan.
Speaker 18: Yeah, the cleanest way would be to refinance it, put
Speaker 18: the wife on the new loan with the remaining party,
Speaker 18: and then have the other party taken off the loans
Speaker 18: so they don't have that obligation counted against them.
Speaker 4: Brent, You're having a lot of people lately who have
Speaker 4: such low interest loans and they don't want to get
Speaker 4: out of them, but they have to even if they
Speaker 4: may have to move. They may have to I don't know,
Speaker 4: you don't get some equity out whatever, and they don't
Speaker 4: have a choice.
Speaker 2: And actually you don't have control over the rates.
Speaker 4: So the best you can do is that interest rate guarantee,
Speaker 4: which is least is something.
Speaker 2: I mean, it's one of the only ones in the
Speaker 2: industry I heard of. So how exactly does it work.
Speaker 18: The way it works is if rates go down in
Speaker 18: the future, you can take advantage of that lower rate
Speaker 18: by refinancing to that lower rate, and we won't charge
Speaker 18: you any lender fees. Additionally, with Evolve, which is another
Speaker 18: product we have, if you need to buy a second home,
Speaker 18: if you need to buy another home, if you need
Speaker 18: to set whatever it is, really.
Speaker 11: Think of it this way.
Speaker 18: Once you're a client with us, we have a number
Speaker 18: of products available that will allow you to do another
Speaker 18: loan in the future for whatever benefit without paying any
Speaker 18: lender fees.
Speaker 2: Wow. So once a customer, always a customer.
Speaker 18: Kind of customer for life, absolutely, and then.
Speaker 2: The free second opinions still, yeah.
Speaker 18: Yep, we'll absolutely take a look at that. You know,
Speaker 18: there's a lot of that going on right now. You
Speaker 18: have a lot of movement in the marketplace with what's
Speaker 18: going on with interest rates and speculation around the election
Speaker 18: and the bond market moving quickly. So certainly, if you
Speaker 18: are somebody who's in the process, or you are somebody
Speaker 18: who is talking to someone, give us the call. We're
Speaker 18: a direct lender. We have access to every product out there.
Speaker 18: We can give you a second opinion and tell you
Speaker 18: if what you're getting makes sense for it, maybe you
Speaker 18: could do a little better.
Speaker 4: All right, Now, I want to take Jared who has
Speaker 4: a question? Jared, and this might be up your alley, Brent,
Speaker 4: go ahead, Jared, Uh.
Speaker 19: Yeah, How you doing? Tom good Man? I have a
Speaker 19: seventy seventy year old mother in law who owns her
Speaker 19: house outright, and she's going through some health issues and
Speaker 19: wanted to talk. She was talking like rocket loans and
Speaker 19: doing this, and I said, no, just hold off a minute.
Speaker 19: Let me call Tom and see what.
Speaker 2: Jared, how much is her house worth.
Speaker 19: I'm guessing four fifty five hundred range.
Speaker 2: And how long has it been paid off?
Speaker 19: Probably eight years, six years something like.
Speaker 4: That, Okay, And so you want to know the best
Speaker 4: way for her to get money out of it?
Speaker 19: Yeah, because she's you know, doesn't have a lot of money,
Speaker 19: and like I said, she's going through some health issues,
Speaker 19: and I know Rock loans all those little advertisements you
Speaker 19: probably isn't the right thing for her.
Speaker 4: So well, here's the deal. Yeah, here's the deal, Brent.
Speaker 4: I want to ask you, Brent about this. You guys,
Speaker 4: you're familiar with the reverse loans? Is that apropos for
Speaker 4: this woman? I mean, go ahead, Brent.
Speaker 18: The minute we kind of started explaining the scenario, yes,
Speaker 18: I think, Look, you've got somebody who's on a limited income,
Speaker 18: who needs money for health issues, who needs cash flow.
Speaker 18: You know, a reverse mortgage probably is going to be
Speaker 18: the best decision for her, simply because she's not in
Speaker 18: a position where she wants to take how a loan,
Speaker 18: She's got to make payments on it. If she get
Speaker 18: to get access to some equity, If she get access
Speaker 18: to some liquidity, a reverse mortgage is probably likely the
Speaker 18: best scenario for her.
Speaker 2: How old is she?
Speaker 4: Did you say, Jared, she's seventy Okay, so she's probably
Speaker 4: going to be eligible, Brent, roughly forty percent.
Speaker 18: Yeah, I think somewhere in that that realm, you know,
Speaker 18: it's definitely. Look again, as you know, we've thought about this.
Speaker 18: The older you get, the more access you have. But again,
Speaker 18: if she's got a free and clear house, it's likely
Speaker 18: that she'll get be able to get more than she needs. Yeah,
Speaker 18: and curtail that baby.
Speaker 5: Or honestly, I'll throw this out there, she might think
Speaker 5: a downsizing.
Speaker 4: She probably she could probably get one hundred We're about
Speaker 4: maybe one hundred and eighty grand, and then that money
Speaker 4: would be she could take it in monthly payments. She
Speaker 4: can take a line of credit where she only uses
Speaker 4: it when she needs it, and then the interest to cruz.
Speaker 4: Here's the only downside to this, Okay, And there is
Speaker 4: a downside because of a cruise against equity. But she's
Speaker 4: not making payments it ause you're gonna have less that
Speaker 4: she leaves to you.
Speaker 19: Yeah, it's my wife's mom.
Speaker 11: I don't expect that's my wife and hers deal.
Speaker 2: I'm not now. Now Here's another thing. And a lot
Speaker 2: of kids don't care.
Speaker 4: They'd rather that They rather that the the their in
Speaker 4: laws or their parents live better and take advantage of
Speaker 4: the hard earned equity or a praised equity whatever, or
Speaker 4: appreciated equity. Now Brent on a reverse loan. I mean, basically,
Speaker 4: what do you see other than you know, she has
Speaker 4: to be sixty two or older, she has to qualify
Speaker 4: at her cruise against. I mean, I don't see any
Speaker 4: big risk here, do you?
Speaker 7: No?
Speaker 20: You know?
Speaker 18: And we're finding it's interesting that the wealth management sector
Speaker 18: out there, we are receiving more and more referrals from
Speaker 18: wealth management clients who are directing their clients towards this
Speaker 18: vehicle because it makes much more sense than liquidating investments
Speaker 18: and paying taxes on that. It's just if you've got
Speaker 18: a home that's free and clear, you have this gigantic
Speaker 18: asset that's got cash tied up in it that if
Speaker 18: you need that cash oftentimes or reverse mortgage is the
Speaker 18: best way to access that cash. And you can get
Speaker 18: it in a lump sum, you can get it on
Speaker 18: a monthly payment. There's a number of different ways we
Speaker 18: can structure. It just depends on what's going.
Speaker 6: To work best for the individual.
Speaker 4: And I can have recall you guys, Yeah, I was
Speaker 4: going to ask that Brent, you do it you you
Speaker 4: can do reverses.
Speaker 18: Right, yeah, absolutely, yeah, we do.
Speaker 2: See. That's wonderful, it really is.
Speaker 4: I mean the fact that idea because we've known Ideal
Speaker 4: for years and that's another home loans Yeah at three
Speaker 4: zero three Okay, eight eighty six seven seven thousand.
Speaker 19: Yep, Okay, Hey, I'm gonna let her know to call
Speaker 19: Ideal Home Loans in your guys information for sure.
Speaker 4: Okay, Brent, thank you very much for being here. At
Speaker 4: three oh three eight six seven seven thousand is Ideal
Speaker 4: home Loans dot com.
Speaker 12: Uh.
Speaker 4: By the way, we have so many experts to help
Speaker 4: with all kinds of issues like this. I love when
Speaker 4: we can find solutions. Again, there's not one thing that's
Speaker 4: fit for everyone. That's the whole idea of course. And
Speaker 4: by the way, speaking of everything we're speaking about, Dan
Speaker 4: McKenzie is an estate planning attorney and if you ever
Speaker 4: need advice before you buy a house with a brother
Speaker 4: or a sister, or before you embark on something like this,
Speaker 4: Dan McKenzie helps with all of those kinds of decisions
Speaker 4: when it comes to estate planning and how to manipulate
Speaker 4: your estate for the best interests of your heirs and
Speaker 4: for you as you grow older. Dan McKenzie McKenzie Law,
Speaker 4: and he's been with us for a while now and
Speaker 4: people love the way he does business. He's it's a
Speaker 4: small firm, meaning personalized attention. Right here in Denver eight
Speaker 4: three three COEO Plans eight three three COO Plans Go
Speaker 4: with a sure thing Denver's best roofer Excelroofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation in comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three out three seven
Speaker 4: seven to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino here, Welcome to the show.
Speaker 4: Three all three seven one three talk seven one three.
Speaker 2: Eight two five five. Julie.
Speaker 4: We have an update with Julie and uh Chopper. Handle
Speaker 4: this go ahead, Julie, Hi Chopper.
Speaker 21: Hi Tom, We met yesterday with Elevator g Remodeling and
Speaker 21: we did come to an agreement to pay nine thousand
Speaker 21: dollars to me. I rewrote the contract. I have sent
Speaker 21: it this morning to him at I think it was
Speaker 21: seven forty eight. I still don't have acknowledgment that he
Speaker 21: received it. And it has been a problem with can
Speaker 21: inndication in the past. But anyway, during the course of
Speaker 21: the conversation, when we were bantering back and forth.
Speaker 7: He said that our government.
Speaker 21: Makes him hire illegals, makes him that just Mark.
Speaker 10: Uh huh?
Speaker 21: They they demand Mark.
Speaker 5: What do you think I didn't I don't even understand
Speaker 5: what she say? And say that again, who makes who hired?
Speaker 2: Government does?
Speaker 9: Well?
Speaker 5: Okay, you're supposed to. Okay, what do you want me
Speaker 5: to say? I don't know what does he mean. I
Speaker 5: have no clue what he means.
Speaker 2: It sounds not what I'm asking. What does he mean?
Speaker 2: I'm asking the caller, what does he what do you mean?
Speaker 21: I'm not sure what he means because we were talking
Speaker 21: about why he put illllegal people on my job when
Speaker 21: he tells me that he has an expert.
Speaker 5: Okay, can I get let me just get real for
Speaker 5: a second. What do you care? I mean, honestly, do
Speaker 5: you care if they were illegal or not? I mean,
Speaker 5: wouldn't you care more about is a job done right
Speaker 5: or what?
Speaker 7: Well?
Speaker 10: The job wasn't okay, that's.
Speaker 5: Fair enough, So why are we bringing this part into it?
Speaker 5: It just seems like I don't know rhetoric because that's.
Speaker 21: Part of the inconsistency and what he has said and
Speaker 21: what he has done.
Speaker 5: Have we talked to this guy? Yes, I did, Mark,
Speaker 5: And what does this guy got to say? What does
Speaker 5: that illegal part have to do with any of his chopper?
Speaker 22: He never mentioned that to me, And the only thing
Speaker 22: I could think of it might be like government contracts
Speaker 22: where they had minority yeah something, But.
Speaker 2: Once again, who cares?
Speaker 6: So?
Speaker 2: But what's this guy saying right now? The job wasn't
Speaker 2: done right? He acknowledged it. He was actually a decent.
Speaker 6: Guy, so's Julie.
Speaker 2: Yeah, they I put him together.
Speaker 22: They came up with a fair amount, and I think
Speaker 22: it's basically.
Speaker 2: Over if Paser all right, when are you supposed to
Speaker 2: get to check? You want us to call over right
Speaker 2: now and see where you're going to get it.
Speaker 7: I would love to.
Speaker 2: Let's do that, Chopper. Can you call him right now? No,
Speaker 2: I'll get a hold of Walter. Let's do that.
Speaker 5: Hold on a seconds, No, literally, try to call him
Speaker 5: right now. Let's try to get her update as we go,
Speaker 5: and what's going on, Sage, Sage, what's happening with you?
Speaker 7: Hi?
Speaker 23: So I was told to maybe try to get a
Speaker 23: hold of the guys from an attorney that I had
Speaker 23: spoken to.
Speaker 2: Uh, oh, what's going on?
Speaker 23: Well, my car I got into an accident in twenty
Speaker 23: twenty two, and I had in twenty twenty three taken
Speaker 23: my car to this mechanic shop in Loveland for the
Speaker 23: accident was all cosmetic damage. It was literally just a
Speaker 23: sideswipe on the side of my door. And so they
Speaker 23: had given me an estimate. And when I had asked
Speaker 23: them for my vehicle back because I had been driving
Speaker 23: it around and I had just taken it to get
Speaker 23: an inspection the day before I brought it there, so
Speaker 23: I knew it was safe, they were trying to fear
Speaker 23: monger me and tell me, oh, your vehicle's not road safe.
Speaker 17: You can't drive it off the lot.
Speaker 5: And I was like, wow, there is certain there is
Speaker 5: there is some truth to that stage under certain cases.
Speaker 2: For example, I owned shops forever.
Speaker 5: If someone's breaks were completely there is no way I
Speaker 5: could let them drive off. Now they could get a
Speaker 5: tow truck to pick it up. But if they left
Speaker 5: in a condition where they could get into an accident
Speaker 5: or kill somebody, or even kill themselves, I could be
Speaker 5: held libel big time. But so what are they sayings
Speaker 5: wrong with the vehicle? And is it still there right now?
Speaker 23: My vehicle has been there for about a year now.
Speaker 2: Oh my god, wait a minute, what's it? Wait? Wait?
Speaker 2: Wait wait wait, So a year ago you get side swiped?
Speaker 2: Is that correct?
Speaker 23: Two years ago? I got sidewipe and I brought my
Speaker 23: vehicle to them in twenty twenty three when I moved
Speaker 23: to Colorado.
Speaker 2: Oh okay, why are you calling in twenty twenty four.
Speaker 2: Why didn't you call in twenty twenty two.
Speaker 23: Because I was trying to work it out with them?
Speaker 5: So what do they want right now in order for
Speaker 5: you to get your vehicle back?
Speaker 23: Okay?
Speaker 2: Want payment? How much do you owe them?
Speaker 23: I don't know them anything, because according to them, they
Speaker 23: didn't actually do work on my vehicle and I signed.
Speaker 5: Why why are they saying you owe them? Is it
Speaker 5: storage fees? I mean, pretend put their hat on.
Speaker 23: They're trying to say storage fee.
Speaker 2: What's the name of the place.
Speaker 23: It's called Iron Mountain Collision and listen, I signed a
Speaker 23: contract saying I'll sign zero or I will pay zero
Speaker 23: dollars in storage fees. And I also looked up the
Speaker 23: Colorado Motor Vehicle's Repair Act. They're not allowed to charge
Speaker 23: me storage until four days after they've done finished all
Speaker 23: of the work on a vehicle. They've done no work
Speaker 23: on that.
Speaker 5: I don't know if you're correct on that or not,
Speaker 5: but that but that that really doesn't matter because what
Speaker 5: we're going to do is try to call them up.
Speaker 5: Suzanne's going to try to get them to come on
Speaker 5: the air and explain their side of the story. But
Speaker 5: before we do that, over the break, what do you
Speaker 5: think they're going to tell us? Are they going to
Speaker 5: tell us that you didn't want the work to be done?
Speaker 5: And how does this all tie back into saying your
Speaker 5: vehicle's not safe?
Speaker 2: What was that? Did she hang up or did we
Speaker 2: accidentally do that?
Speaker 8: That was her?
Speaker 5: Let's give her give her a call back. I mean,
Speaker 5: maybe she didn't want us to call.
Speaker 2: That won't work. I don't have her number.
Speaker 5: Well, if she there, she is, I bet that's her
Speaker 5: right there. Let's take a break. And if that is
Speaker 5: is that her Susanne, Let's try to get the phone
Speaker 5: number over to that body shop and see what the
Speaker 5: hell's going on over there.
Speaker 2: Everybody, hold tight, go.
Speaker 4: With a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're.
Speaker 4: Contenth time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven seven to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martine here three O three
Speaker 4: seven one three talks seven one three eight two five five. Okay,
Speaker 4: So let's talk about your problems, questions and complaints.
Speaker 2: And we have, but we got two things we got
Speaker 2: to go ahead? All right, go ahead.
Speaker 5: So Julie called up. She's afraid this guy's not gonna
Speaker 5: pay back. But to recap real quick Chopper, this contractor
Speaker 5: didn't do a great job.
Speaker 2: He agreed to give her some money back. That's correct.
Speaker 2: How much did he agree to give back roughly.
Speaker 22: I think they agreed on nine thousand dollars.
Speaker 2: And he hasn't given it back yet.
Speaker 22: No, he just opened up her letter and he promised me,
Speaker 22: gave me his word that he will.
Speaker 5: Yes, and you talk to him over the break, And
Speaker 5: when do you think he's going to pay her?
Speaker 2: Did he have any answer to that?
Speaker 22: She had the dates on it. I think it's ones
Speaker 22: now and one's like in thirty days.
Speaker 5: All right, Well, if one is now, let's pull her up, Julie.
Speaker 5: When is the first day he's supposed to give you?
Speaker 2: What half five thousand is? What is that date? Is
Speaker 2: it today? What date?
Speaker 7: Sign?
Speaker 21: The date that the contract is signed? It was sent
Speaker 21: over to him this morning.
Speaker 2: Okay, so he hasn't signed it yet. No, he has not.
Speaker 5: Well, he just talked Chopper just talked to him. The
Speaker 5: guy says he's gonna pay you. Why don't you call
Speaker 5: back in tomorrow if he hasn't reached out to you
Speaker 5: and he hasn't signed the agreement or he hasn't given
Speaker 5: you half, and we'll keep bugging this guy. But it
Speaker 5: sounds like, according to Chopper, Chopper really thinks the guy's
Speaker 5: gonna pay you. Okay, great, and if he doesn't, well
Speaker 5: we'll just make his life a little harder.
Speaker 4: So holdly, I just don't understand the part. I know
Speaker 4: you don't want to talk about it. But what did
Speaker 4: she mean that the government made him higher?
Speaker 5: He said that to her? So I mean we're here
Speaker 5: in the third person. I have no idea. Like Chopper said,
Speaker 5: it could be something. I have no idea what it
Speaker 5: could be.
Speaker 2: Who cares.
Speaker 6: I didn't go into it with him.
Speaker 5: Okay, you know, I mean I agree it's somewhat interesting,
Speaker 5: But what the hell now? Sage, listen to this one, Tom, Yeah,
Speaker 5: her car has been at this place. She got sideswipe,
Speaker 5: brought it into a body shop, iron something. I'll pull
Speaker 5: it up in a second. But in twenty twenty two.
Speaker 5: Her car is been there since twenty twenty two, twenty
Speaker 5: twenty three, twenty three, and they want a charger for storage.
Speaker 2: So of course, hey, how much is this? Well why
Speaker 2: was it there for that long?
Speaker 5: Well she says they haven't done any work on it whatsoever.
Speaker 5: That's kind of where we left off on it. But Sage,
Speaker 5: how much are they saying you are owed?
Speaker 2: Right now?
Speaker 23: So I've heard different stories. I don't think they even
Speaker 23: know how much I really owe them. I've heard thirty thousand.
Speaker 23: I've heard fifty thousand.
Speaker 4: Well, sage, let me let me ask this, why did
Speaker 4: you take it there?
Speaker 2: To begin with?
Speaker 23: So, my car is a foreign car, and I called
Speaker 23: around to a whole bunch of.
Speaker 2: Us what kind of car that is? What kind of car?
Speaker 23: Well, it's a Alpha Romeo Celvio.
Speaker 2: Oh I love those.
Speaker 4: They're terrible cars, but I love them so. So you
Speaker 4: took your Alpha Romeo there a couple of years ago.
Speaker 23: I took it, Yeah, in twenty twenty in August of
Speaker 23: twenty twenty three, and they've had my vehicle since then,
Speaker 23: refusing to give it back to me when I've even
Speaker 23: asked it back from them to drive it around until
Speaker 23: the part for the side of my vehicle comes in,
Speaker 23: because but you're.
Speaker 2: Willing to have them do the work, right.
Speaker 23: Not at this point they have been completely shady and
Speaker 23: giving false estimates, claiming they've done work outside of the estimate.
Speaker 2: What's the name of the shop.
Speaker 23: It's an Iron Mountain Collision in Loveland, and Sune.
Speaker 5: Left Susanne left a message for the GA Smeil there.
Speaker 2: Yeah, So basically, how much do they want you don't know.
Speaker 23: They've told an officer thirty thousand, they've told me fifty thousand,
Speaker 23: they've said thirty six thousand, they've all OKAYO thousand, So
Speaker 23: I don't really know.
Speaker 4: Oh, come on, what the thirty It's been there since
Speaker 4: August of twenty twenty three.
Speaker 23: It's just I recorded my conversations with it.
Speaker 4: It's just over a year for goodness sakes, I mean,
Speaker 4: and the only way they could charge you for storage
Speaker 4: is if they disclosed it up front to begin with.
Speaker 23: Well, I have recording of the owner saying he's not
Speaker 23: charging the storage at all in my vehicle, no matter
Speaker 23: how long is there, and.
Speaker 4: You're telling me you cannot go over is it drivable?
Speaker 23: My vehicle's not on their property anymore. They took it
Speaker 23: off their vehicle and won't tell me where it is.
Speaker 2: I wonder if they sold it.
Speaker 23: Well, they can't because I still have the title and
Speaker 23: they haven't filed anything that was to take over the
Speaker 23: You know, have.
Speaker 2: You reported it to police?
Speaker 23: I tried, and they won't get involved because they're saying
Speaker 23: it's civil. I have the aucmentation of the officers saying
Speaker 23: that my vehicle is no longer on their property though
Speaker 23: so I don't know how they're charging the storage on
Speaker 23: a vehicle that's not on their property.
Speaker 4: Well, they could sort you know, they're going to say,
Speaker 4: they're going to say they had to.
Speaker 2: I really want to understand where they're coming from, and
Speaker 2: hopefully the GM calls back to Susanne. But what do
Speaker 2: you think you're going to say? I guess I get
Speaker 2: a little lost in this win. They're going to say
Speaker 2: that she never told them what to do. They had
Speaker 2: to get off the lot. They're paying for storage, and
Speaker 2: was insurance not? Was insurance not in this?
Speaker 23: My insurance isn't this? They offered to pay them fifteen
Speaker 23: thousand dollars They refused my insurance.
Speaker 4: Wait, wait, your insurance offered to pay them fifteen for storage?
Speaker 23: Yes, just call just to get my vehicle back because
Speaker 23: they were trying to help me.
Speaker 4: What kind of insurance do you have for that State Farms.
Speaker 4: The only reason they would turn down fifteen grand is
Speaker 4: that they don't have the car and they don't know
Speaker 4: where it is. They sold it or somebody stole it.
Speaker 23: Well, I would drive by there and they had my
Speaker 23: vehicle on their lot until June of this year. In June,
Speaker 23: my vehicle stopp being.
Speaker 4: On their law.
Speaker 23: All of this happened in January of this year year.
Speaker 23: What all what the dispute of them refusing to release
Speaker 23: my vehicle to me or anything like? Everything that went down?
Speaker 23: It was January twenty fourth of this year.
Speaker 5: And that fifteen grand represents one year of storage at
Speaker 5: the maximum per day.
Speaker 2: Why why? Mark? Did you?
Speaker 5: I just did the math. Man, it's forty dollars in
Speaker 5: sixty five? Where'd Jay?
Speaker 2: Where'd you get the forty sixty five?
Speaker 5: It's just it's on the Public Utility Commission's website for
Speaker 5: you say, But.
Speaker 2: Don't they have to disclose it ahead of time?
Speaker 5: Mark, Well, I just looked up the amount. I'm sure
Speaker 5: they do have to disclose it at some point. But
Speaker 5: if she dropped it off there, I assume she signs something.
Speaker 23: I have a copy of the contract. I find the
Speaker 23: contact saying I'll be paying zero dollars in storage.
Speaker 20: For every day that is there.
Speaker 2: Then then I don't see.
Speaker 4: Then you need to get some kind of court injunction
Speaker 4: for them to produce that vehicle.
Speaker 23: You do, That's what I wanted to do. I was
Speaker 23: told to get a hold of you guys, maybe see
Speaker 23: if I can work something out with them before.
Speaker 2: I do have Okay, let's do that. That's what we're
Speaker 2: going to try.
Speaker 5: Okay, they have a call in to them. But it's
Speaker 5: just the whole thing is I just don't get it.
Speaker 5: They're either outright thieves or else. We're not hearing a
Speaker 5: different side of the story.
Speaker 23: They have a lot of similar complaints on the BBB.
Speaker 20: And got it.
Speaker 5: Wouldn't it be funny if it was forty four th
Speaker 5: Autos Body Shop Division?
Speaker 6: Yeah?
Speaker 4: Right, forty fourth Auto used to do this all the time. Now, listen,
Speaker 4: what is the part that's so hard to get?
Speaker 23: What do you mean the part for my vehicle?
Speaker 4: You said that it's been there that long because you
Speaker 4: were waiting on a part.
Speaker 23: According to them, I was on a quote unquote national
Speaker 23: back order for my FIDE panel on my car. After
Speaker 23: speaking to Alpha Romeo, that's not that wasn't true. My
Speaker 23: vehicles five panel was never on a national back order,
Speaker 23: so that was just a reason for them to whistle
Speaker 23: my vehicle longer.
Speaker 2: Yeah, but why didn't they want to just fix it
Speaker 2: and get paid? I don't know. That's the part that's
Speaker 2: making little sense.
Speaker 4: Did you tell them you didn't have the money or
Speaker 4: was your insurance jerking them around?
Speaker 2: What happened?
Speaker 23: I think originally they were trying to screw my insurance
Speaker 23: over and get my insurance to pay way more for
Speaker 23: the fixing of my vehicle than what.
Speaker 2: So there was a dispute going on for a while.
Speaker 23: Yeah, there was.
Speaker 2: Did you get involved in the dispute?
Speaker 23: Well, they ended up saying that if my insurance isn't
Speaker 23: willing to pay, it's on me.
Speaker 2: Well, I mean that's true.
Speaker 23: I've done any they haven't done any work on my vehicle.
Speaker 23: Email sent to me as well.
Speaker 4: So I'll tell you what, hang on and we'll call
Speaker 4: you back, or we'll see if we hear from these people.
Speaker 4: But we'll or we'll put some Should we put someone
Speaker 4: on it in case they don't call back?
Speaker 2: I think so, Tom, Yeah, okay, who should we get
Speaker 2: think we put on? Is Dmitri over your Yes, Dimitri,
Speaker 2: let's take this, bro.
Speaker 4: I mean, this is a terrible Okay, So I just
Speaker 4: send Sage's information to Dimitri. Deputy d Rand, you have
Speaker 4: an interesting question. Go ahead, Rand, Welcome to the show.
Speaker 7: Yes, I have a cabin that I inherited from my
Speaker 7: parents and they were all the original owners.
Speaker 4: And did you inherit it by death, yes, okay, and
Speaker 4: uh it was it was not? Was it a beneficiary's
Speaker 4: deed or was.
Speaker 2: It a will?
Speaker 7: A will?
Speaker 2: Okay, keep going, Rand.
Speaker 7: My question is, uh, I'm going to list it for
Speaker 7: sale on next summer. It's from off gridge remote cabin
Speaker 7: with solar, and I want to know what the tax
Speaker 7: implications are with the proceeds I received from it, and
Speaker 7: whether or not it might even affect my Medicare payments.
Speaker 2: Now, okay, let me explain this to your brand.
Speaker 4: You inherited this off grid cabin, so whatever it was
Speaker 4: worth on the day you inherited it.
Speaker 2: That's your basis.
Speaker 4: Okay, Okay, Now you're going to have to figure out
Speaker 4: what that was.
Speaker 2: It could be. What do you think the value is
Speaker 2: at the time.
Speaker 4: They died or one of them died, or whoever left
Speaker 4: it to you?
Speaker 7: You know, possibly two hundred and fifty thousand dollars.
Speaker 4: That's very unusual for again, an off grid Is it
Speaker 4: a really really nice one?
Speaker 7: Well, it's on a nice piece of one. What did
Speaker 7: property right next to a national force? It's got a
Speaker 7: well steptic.
Speaker 2: Solar pro pain sounds nice? Where is it that sounds
Speaker 2: really nice?
Speaker 12: Where is it by fair play?
Speaker 4: Okay, so you inherited a grid cabin, but it has
Speaker 4: all utilities self contained basically, right, right, that's cool, self contained.
Speaker 2: How many square feet?
Speaker 7: I think it's probably eleven hundred square feets?
Speaker 2: Okay, So here's the deal.
Speaker 4: If you inherited that, and let's say it's two hundred
Speaker 4: and fifty, what do you think you'll sell it for.
Speaker 7: I'm hoping, you know, close to that amount, or possibly
Speaker 7: maybe two in the quarter.
Speaker 2: Okay, Well, here's the deal.
Speaker 4: You're probably not going to have any kind of capital
Speaker 4: gains tax whatsoever, because I mean, you know, unless you
Speaker 4: make money on this, you're not going to have capital gains,
Speaker 4: and there's no exclusion because it's not your primary residence.
Speaker 4: So let's just say you sold it for two fifty.
Speaker 4: There's no capital gains. If that was the value, you
Speaker 4: have to get it valued at the time of death. Now,
Speaker 4: if it turns out you sold it for two sixty,
Speaker 4: you'd have a ten thousand dollars gain. If you sold
Speaker 4: it for more, you'd have more. Now as far as income, Okay,
Speaker 4: this gets tricky. You technically have a two hundred and
Speaker 4: fifty thousand dollars asset Okay, So it won't affect because
Speaker 4: it was an inheritance, it's not going to affect income
Speaker 4: for certain things, but it will affect your Medicare Part B.
Speaker 2: Is that what you're talking about your premium? Yes, I believe.
Speaker 4: And we have to check with someone, but I believe
Speaker 4: even though you inherited, at its basis it is two
Speaker 4: hundred and fifty thousand dollars you inherited, I believe they
Speaker 4: can count that for that year as income.
Speaker 2: I might be wrong.
Speaker 4: I don't know technically the nature of income, but I
Speaker 4: believe they can count it. I'm gonna check with one
Speaker 4: of my experts during the break and see if I
Speaker 4: can get somebody to come on the air. So hold
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Speaker 4: until you're content. Time for an insurance check up free
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three oh three seven to seven to one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
Speaker 4: the real estate man dot com to listen your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two. Hi Tom Martine here three three seven one
Speaker 4: three talk three oh three seven one three eight two
Speaker 4: five five. John Jones Senior is on with Integrat Insurance.
Speaker 4: And by the way, John knows a lot about Part
Speaker 4: B Medicare and how it's affected by income. And he
Speaker 4: also checked with an expert as well.
Speaker 2: John.
Speaker 4: If you inherit something, of course it's a value. Is
Speaker 4: it considered income for Social Security or Medicare reasons?
Speaker 11: In this case?
Speaker 24: Tom, just couple of things. I just happen to be
Speaker 24: talking to our accountant when I heard his question. Sure,
Speaker 24: our accountant. And what the gentleman said when we were
Speaker 24: chatting with him is this can be based on courses.
Speaker 24: Man job when they figure out their Medicare Part B
Speaker 24: and it's a two year look back period.
Speaker 4: Now you're talking about adjusted gross income.
Speaker 24: Yeah, says a two year lookback period. So if he
Speaker 24: sells it this next year in twenty twenty five, when
Speaker 24: he goes to follow his account or his taxes, of
Speaker 24: course i'd be talking to the accountant. But since this
Speaker 24: is a one time if it happens to however they
Speaker 24: figure it. If it happens to increase his taxable income
Speaker 24: where he might have an increase on his Medicare part
Speaker 24: B freemium because of the sear charge, he can't appeal
Speaker 24: it since this one time and probably get that removed.
Speaker 4: But here's what I want to ask you, though, Here's
Speaker 4: what's tricky. What part of it would be considered income
Speaker 4: if he sells it.
Speaker 2: Is it the entire value or only the value.
Speaker 4: Above his basis because technically taxes would only be due
Speaker 4: on the amount above his basis.
Speaker 24: I would assume, and I'm on an account, come and
Speaker 24: maybe y'all would like to talk to or heat talk
Speaker 24: to an account I like you, I would assume that
Speaker 24: the income of both.
Speaker 6: His faith basis.
Speaker 4: That's what I would assume too. But again, you have
Speaker 4: to check your account. But no matter what, if it's
Speaker 4: a one time thing, there's a good chance you could
Speaker 4: get it removed and not in consideration. I'm Tom martinro
Speaker 4: We have more coming up on the Troubleshooter Show. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three O three seven to
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty.
Speaker 2: Two ripped news. You need advice? Who you don't help?
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Speaker 2: This is the Troubleshooter Show.
Speaker 4: Now, Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 4: Three O three seven one three talk three O three
Speaker 4: seven one three eight two five five.
Speaker 2: What's going on in your life? How can we help you?
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Speaker 4: this hour brought to you by Denver Regen dot com
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Speaker 4: really they really do work. I'm serious now, Okay. So
Speaker 4: Mitch Fleur is with us the Artigranite dot Com, and
Speaker 4: we're talking about he has a remnant yard where you
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Speaker 4: the remnant yard free materials and all you pay for
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Speaker 2: Or the templeting Mitch. Somebody wants to know.
Speaker 4: Do you have pieces big enough to do like counters
Speaker 4: and islands or are they mainly smaller for art no
Speaker 4: oaks and windowsills and stuff like that.
Speaker 1: We have a lot of species.
Speaker 8: Some of them are house slubs, three cords of slubs,
Speaker 8: lockingough for islands and even small kitchens or you know,
Speaker 8: basement kitchen nets or larger bedrooms.
Speaker 4: We do, yes, okay, and again that's the Artigranite dot Com.
Speaker 2: We'll be talking to Mitch.
Speaker 4: If you have any questions, you can call us. I
Speaker 4: want to take Larry real quick. He has some kudos
Speaker 4: and he's been waiting a while. Larry, you wanted to
Speaker 4: give kudos to one of our people, petty details at
Speaker 4: referralss dot com. What did And they're the ones that
Speaker 4: value cars that have been totaled or cars for any reason,
Speaker 4: but mainly people calling to make sure they're getting a
Speaker 4: fair settlement.
Speaker 2: What happened? He hung up? Tom. I'm sorry about that, Okay,
Speaker 2: no problem.
Speaker 4: He just wanted to say they did a great job.
Speaker 4: We get a lot of good kudos about them. So
Speaker 4: let's go back to Tim. He wants he wants to
Speaker 4: talk about small claims. Go ahead, Tim, Tim?
Speaker 2: Hi, Tim? What's happening?
Speaker 17: Hello?
Speaker 9: How you going?
Speaker 2: What can we do for you?
Speaker 6: Man?
Speaker 9: I'm just calling because I'm trying to see if this
Speaker 9: situation would be something out who be something that I
Speaker 9: could take the small plans court. So back in March,
Speaker 9: there's these things where they're called thrills, which are gold teas.
Speaker 9: They're like shan't carrot worth caring and they're just caps
Speaker 9: that go over your.
Speaker 10: Team right right?
Speaker 2: I know what they are?
Speaker 4: Yeah, So in March, did you buy him?
Speaker 9: In March? My son's bottom there the tops and the bottoms,
Speaker 9: which was twelve twelve teeth. The guy had a deal
Speaker 9: going on where he was only fifty dollars of two
Speaker 9: through whatever, so it came to like six hundred dollars.
Speaker 9: At that same time I gave him. I had an
Speaker 9: older grille already because from the same time I already
Speaker 9: purchased two cents of twelve teeth. The first ones I lost,
Speaker 9: so I went through him again and got another twelve.
Speaker 9: Then I got him and stuff. But then I got
Speaker 9: like this white gold dust on the front of him.
Speaker 9: Then there's spots that were like seed through. So I
Speaker 9: told him if he could get another layer put on,
Speaker 9: so he said yes that he could, And since I
Speaker 9: went through him, then there's no feet for that or
Speaker 9: eighty sea. So anyway, so he had mike grille plus
Speaker 9: my son's grill. My son did half one at the time.
Speaker 9: He wanted to get it made. So the guy over
Speaker 9: with the mold and all that did it right down
Speaker 9: at my house and stuff, and then we paid him
Speaker 9: the money. So this is back in March.
Speaker 2: And this is how much did you How much did
Speaker 2: you pay?
Speaker 11: Originally for mine?
Speaker 9: I paid eleven my son paid six hundred, but he never.
Speaker 4: Here's what I need to know, Tim. In March, you
Speaker 4: paid up front for grills and and right you you
Speaker 4: were getting new ones.
Speaker 2: Right, I'll just get in.
Speaker 9: Mine layer on to him, another layer of gold added
Speaker 9: to him because they're starting.
Speaker 4: To be fed through.
Speaker 2: I get it.
Speaker 4: But did he take But here's what I need to know, Tim,
Speaker 4: Did he take that old that old grill you had
Speaker 4: to lay on gold?
Speaker 9: Yeah?
Speaker 4: Okay, so he took that. Plus he took payment up front, right, yeah,
Speaker 4: payment for my son, just for your sons. You didn't
Speaker 4: pay him anything, no, because.
Speaker 9: He said that he's gonna do it for a phrase
Speaker 9: and got it ready.
Speaker 4: So what you paid? So you paid up front at
Speaker 4: that time? Six hundred is that right?
Speaker 9: Yeah?
Speaker 2: Okay? Plus plus you gave.
Speaker 4: Him your old grill to be replayed.
Speaker 2: So what happened?
Speaker 9: So, man, he's just been coming up with excuse after excuse.
Speaker 9: Why we haven't received him yet?
Speaker 2: Wow?
Speaker 9: The first time when I dealt with him, then it
Speaker 9: took about two weeks to get it back and everything.
Speaker 9: So I'll just nation it was okay. So and then
Speaker 9: he was coming with excuse me the first time, so
Speaker 9: I just didn't tell him, my son, just hold on
Speaker 9: because sometimes you take them inte. But you'll get him. Watch,
Speaker 9: you'll get him. Because you was promising my son that
Speaker 9: he'd have him for him the next week. So he
Speaker 9: never produced him. He kept on saying, oh my god,
Speaker 9: maybe it's back up in Georgia and the mail and
Speaker 9: all that because they got something going on, and then
Speaker 9: he was saying that he was going to bring him
Speaker 9: back from Georgia. Then he came back in Georgia didn't have.
Speaker 2: Am okay, so what okay?
Speaker 4: So so right now you're missing your original grill. Plus
Speaker 4: your son never got his. Yes, wow that I mean
Speaker 4: even wow. So so he has Noah, he has not
Speaker 4: been able to produce your grill. Even if he didn't
Speaker 4: have the money, he still can't produce yours.
Speaker 9: No, you still can't come up with mine. And I've
Speaker 9: been telling him like, well, just to give me the
Speaker 9: guy's contact who you have them and all that, and
Speaker 9: I could go pick him up with whatever, because he
Speaker 9: was like, well the guy really don't want to send
Speaker 9: him or whatever, because I'm kind of susting going on
Speaker 9: in the mail. I was like, well, I got a
Speaker 9: pre flyer, Miles, I'll fly out there. And I'll go
Speaker 9: pick him up. I'll get a reddle.
Speaker 4: Hey Tim, Tim, how much how much were your how
Speaker 4: much was your original grill that you were having replaited?
Speaker 6: It was?
Speaker 4: Okay, Now what I want to know is how how
Speaker 4: long did you have that one? Five months or so
Speaker 4: and it needed to be replated so soon?
Speaker 9: Cart gold but like on the front of each tube
Speaker 9: they had a little area of it that was white
Speaker 9: gold and they called it diamond does to make it
Speaker 9: look like it had diamonds on there?
Speaker 11: So got it.
Speaker 2: There's got it.
Speaker 9: It was that yellow gold with white gold on it.
Speaker 2: No, I got it.
Speaker 4: So so I think this is an ideal case for
Speaker 4: small claims court because you're you've lost seventeen hundred dollars.
Speaker 9: Oh plus I sent him sixty dollars when he said
Speaker 9: that he could get him next day hair, and he
Speaker 9: said that the guy at the post office right now
Speaker 9: send him the money and he's gonna sit in next
Speaker 9: eight hair. So then I started telling him, okay, well,
Speaker 9: what's the tracking number? After I sent him to sixties.
Speaker 9: Then he sent me a fake tracking number. I was like,
Speaker 9: and I straight shot and said it to him like
Speaker 9: this ain't even.
Speaker 2: Hold on are you still there ten.
Speaker 9: I saw him though, saying like you just suswain to
Speaker 9: talk to him. Then he keeps saying that he's gonna
Speaker 9: start making payments to my son to give him his
Speaker 9: money back, and then about mind, we don't do no
Speaker 9: beat funds. You just have to wait to get your
Speaker 9: krill or yeah, you're gonna have to fly out there
Speaker 9: or something. So I'm like, okay, well I will and
Speaker 9: then he's like, well, I can't get ahold of the guys.
Speaker 9: So yeah, you saw him just saying stuff. Then he
Speaker 9: owns a business in Bubblo where he was doing drills
Speaker 9: out of there as well. So I went on a
Speaker 9: already downloaded the paperwork the file small play. So what
Speaker 9: I like, put his business on there or.
Speaker 4: Like his home and dread you pop both? Well it
Speaker 4: does he have his business out of his home?
Speaker 7: Oh?
Speaker 9: He got the actual shop in its underhare?
Speaker 2: Hey mark what he just put? What he just put
Speaker 2: the guys home? I mean I would do.
Speaker 5: I would sue him as an individual, and then on
Speaker 5: the same paperwork had a second defendant and that's going
Speaker 5: to be the business or vice versa.
Speaker 2: Probably the business first.
Speaker 4: Okay, so both the dresses would be on there, then
Speaker 4: I would serve them right at the business.
Speaker 5: You can't do it, but your wife or girlfriend can
Speaker 5: do it. Your son can't do it, but pretty much
Speaker 5: anybody that it doesn't stand to benefit economically can serve
Speaker 5: him by walking right into his shop and serving him.
Speaker 9: That's it, and then we should probably record it while we.
Speaker 6: Do it right.
Speaker 2: It doesn't matter.
Speaker 5: I mean sometimes yeah, it's kind of it's there's nothing,
Speaker 5: there's no harm in it.
Speaker 4: Tim, does this guy totally ghost you or does he
Speaker 4: ever call voluntarily?
Speaker 6: No?
Speaker 9: He responds and everything, but he just keeps on leading on.
Speaker 9: Like I said, his business March. We're going on almost
Speaker 9: the years now, I know.
Speaker 4: So when you say to him, when you say to him, man,
Speaker 4: enough is enough?
Speaker 2: What does he say?
Speaker 9: Apologizes and I'm sorry and I'm gonna get it for you,
Speaker 9: I promise.
Speaker 6: And him you look on a life, do you care?
Speaker 2: Do you care?
Speaker 13: For you?
Speaker 2: Reach out to him? But oh no, you're more than welcome, Juzanne.
Speaker 5: Let's try to get this character on the phone, and
Speaker 5: if we can't, let's assign it to somebody.
Speaker 4: Tim, I think small claim scored is great, but we
Speaker 4: all should we also should give it a try.
Speaker 2: So hang on, I'm Tom Martino.
Speaker 4: Three oh three seven one three talk seven to one
Speaker 4: three eight two five five Go with a sure thing
Speaker 4: vers best Roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one.
Speaker 2: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two.
Speaker 2: Hi Tom Martino, you're troubleshooter.
Speaker 4: I just put this out on YouTube, but I'll put
Speaker 4: it out on my Google Voice.
Speaker 2: Text me if you want.
Speaker 4: To try a video call to the show, because eventually
Speaker 4: what Mark and I would like to do is show
Speaker 4: me the trouble and in addition to the show itself,
Speaker 4: we might do some private feeds where we take callers.
Speaker 2: So we're we're experimenting.
Speaker 4: So if you'd like, what you can do is text
Speaker 4: me at my Google number and then I'll send you
Speaker 4: a link. I only want a few of you right
Speaker 4: now to test it. The way I have it set up,
Speaker 4: four of you would go into the room it's called
Speaker 4: the waiting room, where it's like having you on hold.
Speaker 4: The others would go into a queue, and then I
Speaker 4: would use uh. Then I'll bring it up on the
Speaker 4: air live and I'll do it today, and we'll do
Speaker 4: it on YouTube as well, so you'll be able to
Speaker 4: see it. So you can text me if you're interested,
Speaker 4: just say, you know, you know what you'd like to
Speaker 4: test as a guinea pig. Seven four seven nine nine
Speaker 4: nine fifty two eighty and that's seven four seven eighty.
Speaker 2: That's my Google number, and I'll send you a link. Now.
Speaker 2: Rand has another question.
Speaker 4: He asked about inheritance and how it would affect his Medicare,
Speaker 4: And again that's a question for an accountant, but in general,
Speaker 4: if you make money, they count it. Even if it's
Speaker 4: one time, they count it. They look back two years
Speaker 4: every so two years back your average income. That's what
Speaker 4: they use for determining your be premium. And then it
Speaker 4: drops off if it was a one time thing, and
Speaker 4: it goes back to a lower rate. However, John Jones
Speaker 4: over at Integrant Insurance dot com said, you can petition
Speaker 4: medicare to not to count that if it was a
Speaker 4: one time inheritance.
Speaker 2: Go ahead, Ran You have another question.
Speaker 7: Yeah, the question is I spoke to a realtor and
Speaker 7: they told me, because this cabin only has a woodburning
Speaker 7: stove and it's a large woodburn stove for heat, that
Speaker 7: a buyer could not qualify for a loan on that cabin.
Speaker 7: That would have to be a cash sale.
Speaker 5: I love when realtors get into the money, the money business.
Speaker 5: What they're trying to say is under most traditional mortgages
Speaker 5: might not qualify by that doesn't stop people from borrowing
Speaker 5: money or paying cash for it. So don't let these realtors,
Speaker 5: you know, pooh pooh idea.
Speaker 4: However, however, a lot of conventional mortgages, they have what's
Speaker 4: called conventions because they have to sell the mortgage.
Speaker 2: Bonds on an open market.
Speaker 4: That would mean that they probably will not finance an
Speaker 4: off grid cabin. They probably won't finance anything that has
Speaker 4: too much land, or they won't finance a non conventional
Speaker 4: home most of them. But there are some lenders that
Speaker 4: will do, like tiny homes and different kinds of homes,
Speaker 4: Hunting cabins, mining claims you have to find the right lender. Now,
Speaker 4: if you can't, as Mark said, there's always you know,
Speaker 4: you can do hard money lending, Which is this.
Speaker 5: Most likely is going to be someone's getaway. This isn't
Speaker 5: going to be their residence. So I would assume it's
Speaker 5: going to be a cash deal, or they can pull
Speaker 5: money out of their primary residents to pay for it,
Speaker 5: or get a signature a loan, because this is not
Speaker 5: going to be a traditional deal.
Speaker 4: Well, what I'm saying is it doesn't have to be
Speaker 4: their primary residence to get a conventional loan. However, conventional loans,
Speaker 4: they don't care if it's a primary residence or not.
Speaker 4: What they care about are the the regulations to sell
Speaker 4: that note of course, So that's where it would become.
Speaker 4: Somebody would get an equity loan, or somebody would get
Speaker 4: money or just invest in it. But you're as I remember,
Speaker 4: you're talking it could be two hundred and fifty grand, right, right,
Speaker 4: But what.
Speaker 7: Would qualify as a second source of heat, you know, just.
Speaker 19: Just on paperent?
Speaker 4: You mean you mean, what would what would allow people
Speaker 4: to get a conventional loan? You'd have to ask a
Speaker 4: lender for that, because you have more than just the
Speaker 4: heat to worry about. Some lenders will not lend on
Speaker 4: an off grid home at all.
Speaker 2: Okay, I mean some will.
Speaker 4: We can get Brent Ivenson back. Actually, let's do that.
Speaker 2: Let's ask about that convention alone.
Speaker 4: We'll do that, So hang on three all three, thank you,
Speaker 4: seven to one three talk. We'll get some money on
Speaker 4: to try to answer that, sus Let's see if friends
Speaker 4: around real quick three O three seven one three eight
Speaker 4: two five five. Now Ray has a couple questions. Go ahead,
Speaker 4: Ray and Tim, I think we have. We're checking on
Speaker 4: that guy with the grills for you and your son. Ray,
Speaker 4: what are your questions, sir?
Speaker 3: You know my questions are concerning social Security, yes, sir,
Speaker 3: and with my survivor benefits.
Speaker 2: Okay, what do you need to know?
Speaker 11: What I recently did? Was I applied at sixty seven?
Speaker 11: I applied for spousal benefits and they paid me.
Speaker 4: Now, you wanted spousal benefits because you were married to
Speaker 4: someone for ten years or longer and they are on
Speaker 4: Social Security?
Speaker 2: Is that right?
Speaker 11: That's correct?
Speaker 10: But she died at the ag age of fifty five,
Speaker 10: so were.
Speaker 2: You married for at least ten years?
Speaker 7: Oh?
Speaker 2: Yes, okay, go ahead.
Speaker 3: And my question is calculating delayed retirement credits. My understanding
Speaker 3: is it's six six months. They can go back and.
Speaker 2: Uh, I'm not sure what.
Speaker 4: I'm not sure what you're referring to when you said delayed,
Speaker 4: what are you talking about?
Speaker 3: So when I applied, I was I was late. I
Speaker 3: turned sixty seven in uh two thousand seventeen.
Speaker 10: Yeah, let me get this, let.
Speaker 11: Me get this right here. Hold on a second.
Speaker 3: My understanding was if I if I apply after I'm
Speaker 3: sixty seven.
Speaker 11: Or I'm sorry, sixty six and a half. Yeah, that's
Speaker 11: my full retirement age. Yeah, because I was on fifty seven, so.
Speaker 3: I'm entitled to, what I understand, six months of backpay.
Speaker 3: Now they paid me.
Speaker 4: Oh, you're saying because because you did not file right
Speaker 4: at your age, that they have to go back and
Speaker 4: do retroactive from when you would have been when you
Speaker 4: would have been eligible.
Speaker 11: Yeah.
Speaker 3: So my understanding is at sixty six and a half,
Speaker 3: which was January of twenty twenty four, I would be
Speaker 3: eligible for six months they get now. They gave me
Speaker 3: four months, okay, yeah, which which is nice.
Speaker 10: Okay, but.
Speaker 3: They didn't give me six months.
Speaker 4: And I've okay now is there is there a reason.
Speaker 2: Do you understand why? I mean, did they explain it
Speaker 2: to you?
Speaker 3: No, No, they didn't. They just said we're willing to
Speaker 3: give you this much.
Speaker 4: Yeah, but that's that's weird that it's kind of negotiating.
Speaker 4: If you were eligible, as you said, you were eligible
Speaker 4: at sixty six and.
Speaker 2: A half, is that right correct? Okay?
Speaker 4: If you were eligible at sixty six and a half,
Speaker 4: they provide you six months. Okay, So so were you
Speaker 4: sixty seven and a half or were you sixty seven even?
Speaker 3: Oh, let me see here.
Speaker 4: Because they'll go right to the they'll go right to
Speaker 4: the penny.
Speaker 11: Okay.
Speaker 3: I was born in June of fifty seven, so it's
Speaker 3: as sixty sixth and a half in January of this year,
Speaker 3: I would have been qualified to a six months.
Speaker 7: Here.
Speaker 2: Let me make this, let me make this easy for you.
Speaker 4: Okay, you're you might receive six months, depending on when
Speaker 4: you file.
Speaker 2: Okay.
Speaker 4: If you file, they go back from the date of filing,
Speaker 4: back to when you were eligible. Okay, And they and
Speaker 4: what they did with you said they said to you
Speaker 4: your date of filing was six months, but you only
Speaker 4: got four months. I can see no reason why they
Speaker 4: did that. I can see absolutely no reason for it.
Speaker 3: Well, you know what, I agree with you, that's what.
Speaker 3: It doesn't make sense.
Speaker 4: Well, then you need to you need to make an
Speaker 4: appointment at the office and find out why they did that.
Speaker 4: They have to give you an explanation. If you're eligible
Speaker 4: at sixty six and a half and you file at
Speaker 4: sixty seven, you have six months of retroactivity.
Speaker 11: That's correct.
Speaker 3: I agree, right, okay, right, so we're in a grands here.
Speaker 3: Now here's my second question.
Speaker 2: But why did they offer when they offered you four months?
Speaker 2: Did they explain why?
Speaker 3: You know what, doug onnet I didn't question them, okay, okay.
Speaker 2: D make an appointment to find out why call us back?
Speaker 2: What is your second question, sir?
Speaker 3: It concerns a product called Windexing p i A. Now,
Speaker 3: what use is a very strange program? Where all right,
Speaker 3: my wife what you helped me with when she passed away,
Speaker 3: you helped me back in twenty fifteen, And.
Speaker 2: What is this thing you referenced? Was it called indexting.
Speaker 3: It's called windexing.
Speaker 11: P i A.
Speaker 2: What is what is it referring to?
Speaker 10: Uh?
Speaker 3: Since a certain amount period has gone back that you
Speaker 3: receive additional credits because of time. You know, she died
Speaker 3: in twenty fifteen, but they give me a number, you know,
Speaker 3: based off of her.
Speaker 11: Dying today.
Speaker 3: They're saying that with WIT indexing PIA, it's used.
Speaker 5: To calculate a widow's benefit from when their number holder
Speaker 5: dies before reaching the age of sixty two exactly.
Speaker 3: And she was five, and so there seems to be
Speaker 3: no additional credit towards the fact that she died at
Speaker 3: a younger age than sixty whatever I'm asking, am I
Speaker 3: entitled to additional credits? And this seems to be a
Speaker 3: I mean, I read this stuff and it's oh, I mean,
Speaker 3: it's just so hard to understand. And that's why I'm
Speaker 3: asking you guys, if you can't figure out.
Speaker 4: No, no, no, listen, listen, listen, listen. I kind of remember
Speaker 4: this from my studies, but they you're making it way
Speaker 4: more complicated. They all they do is that there's an
Speaker 4: alternate means of calculating your benefit and you get to
Speaker 4: take what's more. Okay, so you can just the eligibility
Speaker 4: year and to but but to go back thirty five
Speaker 4: years of earnings and then it's adjusted for inflation and
Speaker 4: then there's an amount.
Speaker 2: So I don't.
Speaker 4: Yeah, so I don't understand how that would affect you
Speaker 4: if no matter how old she was, it goes back
Speaker 4: thirty five years, right, you of earning, that's what they do.
Speaker 2: So what is what are you asking? That's what they
Speaker 2: did for you? Right?
Speaker 5: Well, basically it says the widower's hold on the widower's
Speaker 5: indexing or the windexes he calls it, and this article
Speaker 5: calls it there too.
Speaker 2: Is it?
Speaker 5: It's basically used if you lose your spouse at an
Speaker 5: early age, right, they're saying, they're basically saying there's times
Speaker 5: where the calculation for benefits would have been higher if
Speaker 5: they died at a older age. So they have some
Speaker 5: kind of formula, some kind of math that basically goes
Speaker 5: in there and possibly will get the spouse or the
Speaker 5: living person more money based upon this this math.
Speaker 2: Does that make a little more sense in them?
Speaker 4: But the math, what the math is, sir, is they
Speaker 4: look at her increases over time and they apply a
Speaker 4: formula to it.
Speaker 2: Yeah, to see, so you're not penalized for her dying earlier.
Speaker 3: But it's it's you know what, both of you are correct?
Speaker 3: You know what I just want to know? I?
Speaker 4: Well, well, the only people that can tell you that
Speaker 4: are them you have. I mean, you're assuming they did
Speaker 4: not give you the correct amount?
Speaker 2: Is that right?
Speaker 3: You know I'm assuming I'm asking, but you know what
Speaker 3: I've asked three times.
Speaker 4: Listen, I got to take a break. We can wrap
Speaker 4: this up right after this. I'm Tom Martine. Go with
Speaker 4: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free, no obligation. In comparison, call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three O three seven seven
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three all three nine
Speaker 4: two zero sixteen twenty two. Hi Tom Martino, your troubleshooter
Speaker 4: three all three seven to one three talk three all
Speaker 4: three seven one three eight two five five ray Listen.
Speaker 4: What we're doing on the air about Social Security spousal
Speaker 4: benefits gets very very complicated and cumbersome, and bottom line
Speaker 4: is you should get six months retroactive from the time
Speaker 4: you're eligible to the time you apply.
Speaker 2: You applied six months after you were eligible.
Speaker 4: And there is a formula for people who die prematurely
Speaker 4: to figure out if the benefit would have been more
Speaker 4: had they lived to retirement age.
Speaker 2: However, we can't do that for you.
Speaker 4: What we can tell you is, yes, you're entitled to
Speaker 4: both of those, and make an appointment with Social Security
Speaker 4: if you don't think you're getting the proper benefit.
Speaker 2: It's that simple.
Speaker 4: We we really can't, you know, we really can't go
Speaker 4: beyond that. Three oh three seven one three talks seven
Speaker 4: one three A two five five Brent Ivanson Ideal Home Loans.
Speaker 4: We did have a question for Brent, and it has
Speaker 4: to do with this one that we uh.
Speaker 21: With Rand online three times going to Ran right now.
Speaker 4: He inherited an off grid eleven hundred square foot cabin
Speaker 4: self contained about a two hundred and fifty thousand dollars value.
Speaker 2: Rand. You have power in there, right, you have solar
Speaker 2: power right.
Speaker 4: Yes, and you have you have heat and you have
Speaker 4: wood stove for heat right right? And you want and
Speaker 4: you want to know will someone be able to get
Speaker 4: a loan on it if.
Speaker 2: You want to sell it?
Speaker 4: So, Brent, what our lenders afraid of off grid systems.
Speaker 18: Well, it's not necessarily they're afraid of the off grid system.
Speaker 18: The challenge becomes finding a comparable sale to be able
Speaker 18: to value it.
Speaker 11: That's where you run into the issues on the appraisal.
Speaker 2: Side of things.
Speaker 18: So they'll look at it and say, okay, you know again,
Speaker 18: even though I realized when you sell a house, buyer
Speaker 18: sets the market based and the price they're willing to pay. However,
Speaker 18: if that buyer is getting a loan, they're going to
Speaker 18: want an appraisal done on that house as well, and
Speaker 18: that's where you start to run into some of these
Speaker 18: trickier properties. For example, you know, we run into this
Speaker 18: with log cabins sometimes up in the mountains, where it's hey, yeah,
Speaker 18: it's totally functional. Everything's great, but trying to find a
Speaker 18: compt and being able to value it becomes the issue
Speaker 18: on the appraisal side.
Speaker 11: Now, it's not to.
Speaker 18: Say that it isn't doable. We just have to take
Speaker 18: a look at it and kind of say, hey, you know,
Speaker 18: is there anything around like it that's sold recently or
Speaker 18: you know again, we can go outside of your normal
Speaker 18: six months range. We can expand that open and expand
Speaker 18: the mileage range up as well, so some matter trying
Speaker 18: to find something else that's similar that's sold to be
Speaker 18: able to say, here's what the overall market.
Speaker 11: Worth of it is.
Speaker 4: So if you can show it has market value, you
Speaker 4: can loan accordingly.
Speaker 18: Basically, yes, absolutely, and then even you know even furthermore
Speaker 18: what you'll find too with properties like this, you know,
Speaker 18: these world properties, we'll find if it's something that Fanny
Speaker 18: May Freddie mac Via faha don't like. You know, we
Speaker 18: can kind of point you in the direction of a
Speaker 18: local bank that probably has an appetite for that and
Speaker 18: be willing to look at it and do something on
Speaker 18: a make sense basis.
Speaker 6: But yeah, you can get it done.
Speaker 18: It's just again finding a comp and finding what the
Speaker 18: thing is ultimately worth.
Speaker 4: And wouldn't an appraisal. Wouldn't an appraiser be the best
Speaker 4: one to do that?
Speaker 18: Yes, absolutely, that's exactly who we'll do it. But what
Speaker 18: we run into with them is they'll look at it
Speaker 18: and say, look, we don't have anything that is like
Speaker 18: this property, so we don't know how to value it.
Speaker 18: Because what they'll do is use comparables in every appraisal
Speaker 18: to be able to come up and substantiate the value
Speaker 18: of the property when you're.
Speaker 4: Lending, so you see rand, it's not so much what
Speaker 4: kind of heat you have, or what kind of electricity
Speaker 4: you have, or whether it's on grid or off grid.
Speaker 2: It's comparables. That's what counts comparables.
Speaker 7: Here, here's another question, because that we have it was
Speaker 7: built forty years ago and now it's it's surrounded by
Speaker 7: large homes. They did scrapes and built large rooms on
Speaker 7: those properties where cavils used to be. Is that going
Speaker 7: to be another problem?
Speaker 18: Well, it just depends on what's around it. Again, it's
Speaker 18: gonna you know, we'll go outside of the immediate outlying
Speaker 18: area just because of the uniqueness of the property itself
Speaker 18: and try and find something else that's like it. You know,
Speaker 18: obviously the stuff right around it that's been scraped and
Speaker 18: big homes have been built, that's not going to do
Speaker 18: us any good because it's not a like property. Right,
Speaker 18: take a look at it in the appraiser.
Speaker 7: Would that devalue the property?
Speaker 2: No, it could.
Speaker 4: It could actually increase the value if the land, if
Speaker 4: the lot's worth a lot of money.
Speaker 6: Yeah, right.
Speaker 18: You may have somebody that comes in and says I
Speaker 18: just want to scrape it and build, you know, build
Speaker 18: a house. And this is where you're willing the page
Speaker 18: to just get the dirt.
Speaker 2: So listen, here's what you need to do.
Speaker 4: Start with Ideal Home Loans three oh three eight six
Speaker 4: seven seven thousand Ideal Home Loans dot com or coming up,
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 4: troubleshooter three oh three seven ONETHS you talk Tim, We
Speaker 4: haven't forgot about you.
Speaker 2: Do you have an update on that series?
Speaker 17: Well, uh, Tom, I've tried the number a couple of
Speaker 17: times and it goes to an automated message that says
Speaker 17: that number is not accepting calls.
Speaker 2: And Tim didn't have another number for him, so we
Speaker 2: might want to try a jeopardy on it. I'm not sure, Tim,
Speaker 2: if you.
Speaker 4: Did go to small C James Swirt, you do have
Speaker 4: his address, right, He's got a shop, right, So.
Speaker 11: Tim, Yeah I got this.
Speaker 9: Yeah, I just got it off the Google thing. I'm
Speaker 9: not sure if that's his current address or what.
Speaker 4: But yeah, he may he may not even be there.
Speaker 4: It sounds like this guy has pulled a ghost.
Speaker 9: I mean, you'll respond when he wants, and then, like
Speaker 9: I said, then you'll be real apologetic and like make
Speaker 9: you feel sorry for him. He's supposed to be like
Speaker 9: a Christian guy and all this stuff. Even in the
Speaker 9: meantime between the time while I've been weighing, while me
Speaker 9: and my son's been weighing. Then he even got like
Speaker 9: a twenty thousand dollars settlement because he got hit by
Speaker 9: a car and everything that he sent me in like yeah,
Speaker 9: look at the positive the bank and I'm like, okay,
Speaker 9: well let us get the money. Then he's like, well
Speaker 9: I can't cash if my wife's out of state and
Speaker 9: this and that, and so yeah, he just comes with
Speaker 9: a scute after stute after excuse the other thing. I
Speaker 9: was gonna have is if I put the claim it.
Speaker 9: They not put the price on like the cheapest price.
Speaker 9: Who costs to get them replaced me?
Speaker 4: Well, first of all, the six hundred's easy because your
Speaker 4: son paid six hundred for you. It would be the
Speaker 4: replacement value, yes, but it wouldn't be replacement for brand new.
Speaker 4: You'd have to be somewhat reasonable for sure what you
Speaker 4: paid for it. Maybe a little more if it's going
Speaker 4: to cost more to replace him.
Speaker 2: Because the guy's not.
Speaker 4: Gonna show up anyway, you're gonna get a default judgment,
Speaker 4: have to go to collections. I fear you may have
Speaker 4: lost all of this if we can't find them. Now,
Speaker 4: we can try to put somebody on it. Let's put
Speaker 4: one of the deputies on it to keep going after them.
Speaker 4: Hold on, go with a sure thing Denver's Best Roofer
Speaker 4: Excel roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligate comparison
Speaker 4: call Compass Insurance. Pay too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 21: Ripped of.
Speaker 16: Need advice so you don't have come running shous as
Speaker 16: fast as we can, Shooter's gonna help come.
Speaker 2: Man six is the Troubleshooter Show. Now, Tom Martino?
Speaker 4: Okay, Tom Martino here three oh three seven one three
Speaker 4: talk three oh three seven one three eight two five
Speaker 4: five drum roll please. We we are trying our first
Speaker 4: video call, and of course you'll hear it on radio
Speaker 4: as well, and it's going out to our streams.
Speaker 2: So I'm gonna bring them up in a second.
Speaker 6: Here.
Speaker 4: He was kind enough to call in and be one
Speaker 4: of our guinea pigs here, and I think I can
Speaker 4: still say guinea pig right because that's in Okay, So
Speaker 4: let's try this. I'll bring him up full screen. First
Speaker 4: of all, there you are, you're on say something, sir
Speaker 4: in morning?
Speaker 6: Yes?
Speaker 2: Looking good? Does he sound okay?
Speaker 6: Thank you sir?
Speaker 2: Dragon Okay? Let me now that's uh, that's.
Speaker 4: The one screen there, and then I have one split screen.
Speaker 4: Let's see if I can find him here. I'm gonna
Speaker 4: get the split screen and I think this is cool.
Speaker 4: So we have our our split screen. Okay, so if
Speaker 4: you were a caller, you'd be telling me a problem.
Speaker 4: I just have to figure out. Look at my metal quickly.
Speaker 4: If I don't like you, what Mark.
Speaker 5: Look at all the metals behind him? Are those yours?
Speaker 6: Yes, sir?
Speaker 2: Really?
Speaker 6: Yeah? Twenty two years in the Air Force?
Speaker 2: What did you? What did you do in the Air
Speaker 2: Force ordnance?
Speaker 6: I was bonds and bulls guy.
Speaker 2: Okay, talk again. I muted you. I want to see
Speaker 2: if it works the mute if I want to hang
Speaker 2: up in you mute him.
Speaker 4: Oh, that's going to be a problem. I got I
Speaker 4: got to figure out a way to mute this guy
Speaker 4: with If you ever.
Speaker 2: Well, we still have the delay.
Speaker 25: But no, no, I was a Air Force AMMO guy.
Speaker 25: I was an AMMO troop really and uh we have
Speaker 25: a unique acronym as an AMMO troop.
Speaker 6: If you ain't AMMO, you ain't.
Speaker 2: You ain't right, Yeah, you ain't that?
Speaker 6: Yeah, yeah, you ain't that.
Speaker 4: And and so you have a way of uh so
Speaker 4: you handled AMMO for like loading the planes or ground
Speaker 4: stuff ground or no.
Speaker 25: We were the we were the builders. So we stored him,
Speaker 25: built them and delivered him to the planes.
Speaker 2: What's the biggest.
Speaker 25: Uh? So two thousand pound moms. I was deployed for
Speaker 25: desert storm. Uh, the first as a storm. I was
Speaker 25: deployed in Qatar.
Speaker 3: Hmm.
Speaker 25: I was with the four or first the Lucky Devils.
Speaker 25: Uh it was. It was a great career.
Speaker 2: Uh.
Speaker 25: I loved uh being an air Force serving in the Air Force.
Speaker 5: That's very How cool is that man? So I, So
Speaker 5: I assume you're a Trumper.
Speaker 6: Oh, there's no assumption, you know.
Speaker 2: Would you say?
Speaker 5: Would you say most people in the military preferred him
Speaker 5: as commander in chief compared to Biden?
Speaker 13: Uh?
Speaker 25: You know it's the people that Uh yeah. The president
Speaker 25: that I joined with was Ronald Reagan. That's that's my guy.
Speaker 25: That's my benchmark standard.
Speaker 6: Very close. So nobody else compares.
Speaker 4: I appreciate the experiment. You look good, You sound good.
Speaker 4: I just had to figure out how to.
Speaker 2: Hang up on people.
Speaker 5: Quinn, where are you calling us from? By the way,
Speaker 5: where are you at the springs? Denver Ware?
Speaker 6: No, Falcon, Colorado? So I am the million dollar ditch guy.
Speaker 2: Nice, We've got friends.
Speaker 6: Let me let me try something. Let me see if
Speaker 6: I can show you my.
Speaker 2: Million don't flash. Yeah see, I want to.
Speaker 25: Show you said, you guys can see my million dollar
Speaker 25: ditch out my window, your.
Speaker 2: Million dollar ditch. Let's shoe it. All right, he's good,
Speaker 2: he's flipping his camera. Let me go full screen on.
Speaker 6: This guy, and yeah, can you see that.
Speaker 2: We're going to hold on let's go. Oh yeah, very cool.
Speaker 6: Yeah.
Speaker 25: Yeah, so I had, uh, I spent fifteen years battling
Speaker 25: with the county, uh, you know, solve the drainage problem.
Speaker 25: And we look at that Tom and Tom and Brian.
Speaker 6: Yeah, you guys said, yeah, good luck with that guy.
Speaker 25: Yeah, but Tom, you've been a great inspiration to me.
Speaker 2: I like this.
Speaker 6: You get, you get a little bit of credit. Even
Speaker 6: though you said good luck.
Speaker 2: No, man, it was almost insurmountable.
Speaker 6: Yeah.
Speaker 2: Why are you calling it a million dollar ditch?
Speaker 25: Because that's what the county end up getting, uh to
Speaker 25: build that ditch. So they had to go through the
Speaker 25: e p A, the Feds because yeah, we know, poor planning, you.
Speaker 6: Know the five piece yep. Yeah. Yeah. So Tom is
Speaker 6: a former developer. I know you went through this.
Speaker 25: You know, you drop the plan, you know, you smit
Speaker 25: the plan, and the county basically signs off.
Speaker 4: Well, but before you do all of that, you have
Speaker 4: to write to all the of the adjacency.
Speaker 6: Oh yeah, yeah, it's crazy.
Speaker 2: They get to weigh in on it.
Speaker 6: Oh yeah yeah.
Speaker 25: So you know, the developer did all that, and then
Speaker 25: sadly two thousand and eight, the developer you know, went bankrupt,
Speaker 25: and yeah, everything collapsed. But I had my property built,
Speaker 25: everything was done, and I really enjoyed my property. But
Speaker 25: you know, because the developer finally in that passed and
Speaker 25: away said, I think all the stress of two thousand
Speaker 25: and eight killed him. I was left with a horrible
Speaker 25: drainage design that the kind of approved.
Speaker 6: So well, you know, up getting it fixed.
Speaker 2: Listen.
Speaker 4: I really appreciate you taking part in this. I'm not kidding,
Speaker 4: so that's very cool. I just have to perfect the
Speaker 4: sound a little. I'm getting a little a little bit
Speaker 4: of a double sound from you, and I can't figure
Speaker 4: that out.
Speaker 2: But I will.
Speaker 4: But it was first video quote and it's not terrible.
Speaker 4: I think we can. We'll get way better at it.
Speaker 4: And I'm going to experiment hanging up on you, so
Speaker 4: don't be offender.
Speaker 2: I want to see what happened.
Speaker 4: Don't worries, No, No, I really do want to figure
Speaker 4: this out if I can hang up on you and
Speaker 4: I can.
Speaker 2: Good.
Speaker 4: All right, so he's over now, I think, of course that. Yeah,
Speaker 4: so we did that. Welcome to the show. Three h
Speaker 4: three seven one three talk. Let's go back to real
Speaker 4: stuff three O three seven one three eight two.
Speaker 2: Five five So uh here we go. Okay, now let's
Speaker 2: go to the phones. People. We have Mitch Fluria. We
Speaker 2: have a text for you. Mitch.
Speaker 4: Somebody wants to know when you template a booknook, can
Speaker 4: you do shelves for a book if they want to
Speaker 4: do the whole thing out of some kind of natural stone,
Speaker 4: can you like do the shelving and everything, Well.
Speaker 1: I can closet or like No, No.
Speaker 4: Somebody wants to do like a book nook and they
Speaker 4: want to have the everything they want to have, like
Speaker 4: granite shelves.
Speaker 1: Oh, I suppose it's possible. We haven't done that together.
Speaker 4: Have you done art nooks where you have granite on
Speaker 4: the on the ledges or window sills or what he did?
Speaker 2: My window sills They looked great.
Speaker 1: Yes, window sits all the time, and shelves as well.
Speaker 5: I just don't know if it'd be weird having a
Speaker 5: shelf with the back of the shelf, the whole thing
Speaker 5: that would be granted, it.
Speaker 2: Would be pretty.
Speaker 4: But but Mitch, you can do can you do less
Speaker 4: thick granite or not necessarily a thin veneer, but like
Speaker 4: a quarter inch or half inch or does it have
Speaker 4: to be full thickness?
Speaker 8: The natural stone comes in either inch and a quarter
Speaker 8: or or three quarters of an inch.
Speaker 2: You tell it, So you don't do any kinds of
Speaker 2: veneers at all, right, as.
Speaker 8: Far and then some of the courtz products they come,
Speaker 8: they're available even thinner what we call a one centimeter
Speaker 8: around the corridor or maybe threates of an inch?
Speaker 2: Did they break easy?
Speaker 1: No?
Speaker 2: No, not really because you put it on a backing, right.
Speaker 11: Yeah.
Speaker 8: Sometimes when it's mounted as countertops, then we thick on
Speaker 8: the edges, we might. But those thin slabs are used mostly.
Speaker 1: For showers shower walls.
Speaker 4: Okay, all right, they must be really pretty, so you do.
Speaker 4: And the man made stuff is called quartz site or
Speaker 4: is that the cultural quartz?
Speaker 6: Yes?
Speaker 8: And then the quart site is the natural slab, which
Speaker 8: is just like.
Speaker 4: But you make court do you make quart site out
Speaker 4: of uh? You make quartz out of quart site?
Speaker 2: Yes?
Speaker 8: They make that to the factory and then they ship
Speaker 8: it out as and it comes in a sheet, right, sheets, Yes,
Speaker 8: and those are different thicknesses.
Speaker 4: Now what's more popular the quartz site, the natural stuff
Speaker 4: or the quartz.
Speaker 8: A lot of the white light colors with some vein
Speaker 8: are very popular nowadays, and you find those in the
Speaker 8: natural quartz sites. And then also saying that the engineer's
Speaker 8: throone which we call quartz.
Speaker 4: And quartz is okay. So and quartz comes in a
Speaker 4: variety of colors obviously.
Speaker 1: Yes, many many options, all right.
Speaker 4: And by the way, the artigranite dot com they give
Speaker 4: prices on the phone. Three oh three three eight six
Speaker 4: fifty nine nineteen Hannah, I'm sorry, I don't want to
Speaker 4: I'm so sorry that you've been waiting a while.
Speaker 2: So this bad fuel that that caused.
Speaker 4: Damage to your car, I want to add, I want
Speaker 4: to go right to this first.
Speaker 2: Are you positive it was the fuel?
Speaker 17: Yes?
Speaker 2: Did you have a diagnosis?
Speaker 17: Yes, from the mechanic she found red fuel in my
Speaker 17: gas tank?
Speaker 2: What now? What do you what did he say? That was?
Speaker 2: What do you mean? Red frend diesel is non tax diesel? Okay?
Speaker 2: So where did you get the fuel?
Speaker 17: I was in fair Play, I was on the way
Speaker 17: to one of this and stopped in the fair play.
Speaker 2: At a gas station. HM, and what happened?
Speaker 17: You filled up and I'm not sure if I sold
Speaker 17: up completely. I think I just topped my car off.
Speaker 17: But thirty minutes after my car died.
Speaker 4: So okay, So do they admit the people that sold
Speaker 4: you the fuel did they have it in the wrong
Speaker 4: tank or are they saying you took the wrong nozzle
Speaker 4: or what.
Speaker 17: So I reached out to the gas station and they
Speaker 17: basically told me I told them the story, and they
Speaker 17: basically said I did it.
Speaker 4: And you know, she was like, wait, she's saying it
Speaker 4: was your fault.
Speaker 17: Yes, And I asked, I have my transaction on my
Speaker 17: bank statement, so I asked if she could like pull
Speaker 17: it up and see if I Well, let me interrupt
Speaker 17: you for a second.
Speaker 2: Though.
Speaker 5: What I don't understand is red diesel shouldn't hurt anything.
Speaker 5: The only thing, the only reason that red dies there
Speaker 5: to basically get people in trouble for not paying the
Speaker 5: road taxes on it. It should be the exact same product.
Speaker 5: So even if you did accidentally put red diesel in
Speaker 5: your vehicle, it shouldn't have messed up the vehicle.
Speaker 4: Well, hold on, hold on it has to be drained
Speaker 4: and it has to be No, no, it doesn't have
Speaker 4: to be the only reason the red dye is theirs
Speaker 4: because there's no tax. Okay, go, you're assuming I'm sorry,
Speaker 4: maybe I'm maybe I'm mistaken. Hold on, maybe I'm mistaken.
Speaker 4: You're assuming it's a diesel vehicle, right, Mark.
Speaker 17: It's not a diesel?
Speaker 2: Oh my god? Then yeah, no, of course I'm assuming
Speaker 2: it's a diesel vehicle.
Speaker 4: Okay, Yeah, kind of didn't sound like a truck driver
Speaker 4: to me, but okay.
Speaker 17: So no, just through a regular unleaded car.
Speaker 2: But still it wouldn't do it? Did it?
Speaker 4: Don't how much damage did it do? By the way,
Speaker 4: what are they saying is wrong with your car?
Speaker 17: So they originally said it was my fuel punk and
Speaker 17: so I just was like, okay, you know, my car
Speaker 17: is a twenty fourteen. Maybe it was time for a
Speaker 17: new fuel pump. And then after a week of having
Speaker 17: my car, the mechanic reached out and said that they
Speaker 17: found diesel and said red diesel fuel in my gas tank,
Speaker 17: and like told, you know, said I should probably reach
Speaker 17: out to where I got gassed.
Speaker 2: Did dad gas station sell red diesel?
Speaker 17: So when I reached out to the gas station. She
Speaker 17: was really rude and basically like, well, we're not going
Speaker 17: to be liable for that. And she did make a
Speaker 17: comment about apparently there being somewhere like a different pump
Speaker 17: for red diesel, because she was like, well, which where
Speaker 17: did you get gassed? And I was like, well where
Speaker 17: all the regular other regular cars were like the regular
Speaker 17: gas pump, and so to me, it seems like there
Speaker 17: might be a different pump for the red fuel.
Speaker 2: How long did your vehicle run before it just quit
Speaker 2: running all together?
Speaker 17: It was it was about a half an hour.
Speaker 2: But here's what I don't understand.
Speaker 4: How do they I mean, it's not like you went
Speaker 4: and got diesel somewhere to ruin your car on purpose.
Speaker 2: I mean, what are they saying. Are they saying they.
Speaker 4: Don't sell red diesel there at all? And if they did,
Speaker 4: Mark you said, it's non taxed, so it's not road tax.
Speaker 4: So what does it use for heating fuel or what?
Speaker 7: What?
Speaker 9: No?
Speaker 5: No, No, generally it's like for tractors. It could be
Speaker 5: used for heating and generators, but it's for stuff that's
Speaker 5: not not on on the road.
Speaker 2: Well, yeah, not you know, a track.
Speaker 4: They actually sell red diesel there That's what I want
Speaker 4: to know.
Speaker 2: Do they sell red diesel?
Speaker 17: That's what it sounded like when I was talking to you.
Speaker 2: What's the name of the place.
Speaker 17: It's BS Convenience and the gas station is Sinclair. It's
Speaker 17: like a convenience or where is it?
Speaker 11: What town?
Speaker 17: It's in fair Play?
Speaker 4: So like a Sinclair gas station. I've never heard of
Speaker 4: Sinclair having red diesel.
Speaker 5: Well, the ones, the ones that are up in farming communities,
Speaker 5: they generally do, but it's not Typically it's a different
Speaker 5: pump somewhere else, you know what I'm saying.
Speaker 4: Yeah, but at okay, okay, hold on, we'll come right back.
Speaker 2: We got more coming right up. I'm sorry, hold on.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 4: here three O three seven one three talk seven one.
Speaker 2: Three eight two five five. Chris has a comment on
Speaker 2: red diesel.
Speaker 4: Mark called the place and they said, yeah, we have
Speaker 4: red diesel in the pump right next to the regular ones,
Speaker 4: right Mark.
Speaker 5: Yeah, they said they definitely have it right now. It's
Speaker 5: four point thirty nine a gallon and it's basically right
Speaker 5: at the regular pumps. The interesting parts Whuzanne brought up,
Speaker 5: and she's absolutely right. On most cars, there is no way.
Speaker 5: I don't care if it's red diesel or normal diesel
Speaker 5: or biodiesel, the actual thing will fit into your gas tank,
Speaker 5: you know what I'm saying. The hands, Yeah, yeah, exactly
Speaker 5: doesn't fit into the hole.
Speaker 2: Chris, what is your comment on red diesel?
Speaker 20: Yeah, and Mark, you're right. I mean it's almost physically
Speaker 20: impossible to pick up a green handle at the pump
Speaker 20: and put it into a standard unletted tank. It just
Speaker 20: doesn't fit. It won't fit. So that's that's problem number one. Okay.
Speaker 20: Red diesel is farm fuel. We run tractors off of it,
Speaker 20: we run equipment off of it because it's tax exempt.
Speaker 20: And I'll tell you. We have farms in Tennessee, and
Speaker 20: some times people will cheat and they'll put that in
Speaker 20: their truck, in their diesel truck, which it runs just fine,
Speaker 20: but it has a high sulfur rate in it, which
Speaker 20: makes it burn really black. So when the cops sea
Speaker 20: you're rolling down the highway and you're speeling out three
Speaker 20: times four times the amount of black smoke, they'll pull
Speaker 20: you over. And that's a heavy ticket because you are exempt.
Speaker 20: So basically you're cheating the government. You can use that
Speaker 20: for the farm, farm equipment. We use that on our
Speaker 20: tractors all the time. And that's all we use. I mean,
Speaker 20: why would why wouldn't we? We don't use green, we
Speaker 20: use red. But you can't take it off the farm.
Speaker 20: I mean you can, but you just can't use it
Speaker 20: on the on the on the roads. But something's going
Speaker 20: on here. And typically I will tell you Tennessee and
Speaker 20: in Colorado, you're you're not going to find any red
Speaker 20: diesel here in town in the seventh county metro. You're
Speaker 20: going to find that up in the hills, or you're
Speaker 20: going to find that and the ads.
Speaker 2: Outline that's where this happened, though, Chris.
Speaker 20: But well, I know, yeah, she said fair player, right.
Speaker 5: Yeah, and I called up and they definitely have it.
Speaker 5: Here's what I think happened, because I don't think that
Speaker 5: green would have went into her uh her fuel period.
Speaker 5: I think maybe the truck filled up and screwed up.
Speaker 2: Yeah, but wouldn't there be more than one problem? I mean,
Speaker 2: obviously a problem. Yep, yeah, you would think so multiple complaints.
Speaker 20: But I think I think somebody, I don't know, it's
Speaker 20: just kind of weird because you can't fit that green
Speaker 20: handle of the standard diesel, like if I have a
Speaker 20: F three fifty that's you.
Speaker 2: Know, yeah, we get it.
Speaker 4: No, we get it, and we understand that part. Yes,
Speaker 4: I wasn't sure if the same handle or nozzle would work.
Speaker 2: For the red as well or if that was Like,
Speaker 2: I mean, it's just crazy.
Speaker 4: So, Hannah, they refuse, they refuse to do anything for you.
Speaker 2: Is that correct, Hannah, Yeah, that's correct. How much did
Speaker 2: it cost you or is it going to cost you
Speaker 2: to fix your car?
Speaker 17: So to around two thousand dollars?
Speaker 2: And what are they doing for the two grand? What
Speaker 2: are they doing to it?
Speaker 17: So I got the new fuel pump and then what else?
Speaker 17: Hart plugs and they had to drain my tank.
Speaker 2: Right, right? Do all of that, so the filters and
Speaker 2: all that. So, man, that's incredible.
Speaker 4: So, you know, small claims court is one thing we
Speaker 4: if we call the place, they're simply gonna deny it.
Speaker 4: Did they say you did it? Because how would you
Speaker 4: do it with that size of nozzle? Right?
Speaker 17: But yeah, she said. The first guy I talked to him,
Speaker 17: he was like, oh, well, it happens all the time,
Speaker 17: That's what he told me.
Speaker 4: What do you mean what happens all the time that
Speaker 4: people make a mistake or they make a mistake.
Speaker 17: He didn't clear. I mean, it sounded like he was
Speaker 17: saying people accidentally put diesel in their cars all the time.
Speaker 17: But that doesn't make sense to me.
Speaker 2: How would they what's that? Let's break deputy on this.
Speaker 17: Maybe they can make some headway and get something for her.
Speaker 17: I don't know.
Speaker 2: Yeah, let's do that. Let's do you have the receipt?
Speaker 17: I have, well, I have my bank statement, Like yeah.
Speaker 5: I was going to say, the receipt will have a
Speaker 5: pump number or something on there.
Speaker 4: It'll also have the price per gallon, right, And I
Speaker 4: when I tried to see if she could look it up,
Speaker 4: she was just like it's gonna take I have to.
Speaker 17: Go through thousands of transactions.
Speaker 4: And she you know what, because if your receipt showed
Speaker 4: the price per gallon for regular fuel, you know, for
Speaker 4: unleaded fuel, and you were getting.
Speaker 2: Red diesel, that's you got them dead? How many?
Speaker 4: But if it showed the price per gallon for the
Speaker 4: red diesel, then you might have a problem.
Speaker 2: How many gallons did you get?
Speaker 17: Oh, I don't know. I didn't get any of that.
Speaker 2: How much was the total?
Speaker 17: It was thirty six dollars, So for my car, it's
Speaker 17: it's about forty dollars to.
Speaker 2: Fill up, okay? And you were near empty?
Speaker 17: I would say I wasn't quite empty, but close. I
Speaker 17: wanted to get gas at the last place before I
Speaker 17: was nowhere.
Speaker 2: So your car's running okay? Now?
Speaker 17: Yes, it was in the shop for two weeks.
Speaker 2: Oh my goodness.
Speaker 17: So I got it back last Fridays.
Speaker 4: I listen, you're gonna we're gonna put a deputy on it.
Speaker 4: But ultimately you may have to do a small claims
Speaker 4: court against him because but but you don't have a receipt,
Speaker 4: which sucks. I mean, why Mark, can she subpoena in
Speaker 4: small claims court?
Speaker 23: No?
Speaker 14: I mean you can, but yeah, no, not not for
Speaker 14: what we're talking about. If she has a date and time,
Speaker 14: subpoena a witness, so she could subpoena someone.
Speaker 5: That works there, But I I don't know how you
Speaker 5: would subpoena information. When I talked to him, man, this
Speaker 5: is like, you know, this sounds like kind of a
Speaker 5: backwoods gas station. They very well could have, you know,
Speaker 5: old school systems to where they do have to look
Speaker 5: through thousands of receipts.
Speaker 17: Right if I were to go there, I could find
Speaker 17: which pump I was at, Like I remember which one
Speaker 17: I was at, I just don't remember the number.
Speaker 2: Or I would go and see if the nozzle is
Speaker 2: the same size or bigger. That's going to be the
Speaker 2: biggest thing right there. How far are you from this
Speaker 2: and I would take pictures of it.
Speaker 17: I'm about three hours?
Speaker 2: Oh oh now that's hey.
Speaker 5: If we have any listeners that are in the fair
Speaker 5: Play or if you're listening later on on our podcast
Speaker 5: or on YouTube, you know, reach out to help at
Speaker 5: troubleshooter dot com if you're familiar with this gas station
Speaker 5: in fair Play, and then you could go down there
Speaker 5: and snap some pictures and we can help her put
Speaker 5: it together.
Speaker 2: Thank you. I listen, Hannah, we're gonna grab ready on this.
Speaker 2: Can we put dollar on this? I already said it
Speaker 2: to bo Boh, Okay, that's good.
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Speaker 2: All right, let's.
Speaker 4: Continue here, Larry, go ahead, Larry with your water main.
Speaker 2: What's happening?
Speaker 6: Ah?
Speaker 13: Hi, Tom, Hey, I live in a condo. I live
Speaker 13: in a condo complex, and the main water line for
Speaker 13: the complex happens to come into my cross base, and
Speaker 13: they're telling me that I'm responsible for the maintenance and
Speaker 13: repairs of that main line when things go wrong.
Speaker 4: Now, okay, when you say the main line that I
Speaker 4: need to ask some questions here.
Speaker 2: This is very important.
Speaker 4: Is it the main line to you or is it
Speaker 4: the main line for the entire building?
Speaker 13: Entire building? It comes from out from the street, okay.
Speaker 4: So the service line they call that, from the main
Speaker 4: to the condo building go through your call crawl space.
Speaker 13: Right and so there it splits split to the different
Speaker 13: condos okay.
Speaker 4: And I can't see how that would be your responsibility
Speaker 4: simply because.
Speaker 2: It's routed through your So do you have a crawl
Speaker 2: space under your condo?
Speaker 6: Yes? I do.
Speaker 2: Is this a town home or a condo?
Speaker 13: It's a condo that there's four units in this building
Speaker 13: and I sent you an email.
Speaker 2: Wait wait, you have four units on the ground floor.
Speaker 13: Now, two bottom and two on top.
Speaker 4: Okay, and yours, just yours is on the bottom obviously,
Speaker 4: and you have a crawl space and the main goes.
Speaker 2: Through that crawl space, right.
Speaker 4: Well, I don't see how you can be responsible for
Speaker 4: a water main And why is this coming up?
Speaker 11: Now?
Speaker 2: What did it fail?
Speaker 13: This pressure regulator that's on it, that's not working anymore.
Speaker 2: For the whole building, for the whole building.
Speaker 4: Yes, and they want you, they want you to replace
Speaker 4: the regulator for the entire building.
Speaker 6: Right.
Speaker 2: Well, they're just wrong.
Speaker 13: They were referring to that this document is sent to you.
Speaker 21: Okay, do I have that, sus It's inbox.
Speaker 2: I'm gonna look for it. And it's from let's see, Okay.
Speaker 13: I got the Louisiana Louisiana purchase.
Speaker 2: The what condominium?
Speaker 11: Oh?
Speaker 2: I see got it? Okay, I see it?
Speaker 4: Allocation of costs or maintenance uh and repair or limited
Speaker 4: common elements.
Speaker 2: Okay, I'm not seeing which part of it they say
Speaker 2: is yours.
Speaker 4: It says to clarify the maintenance to repair for limited
Speaker 4: common elements will be assessed against the owner to.
Speaker 2: Whom the limited common element is a sign.
Speaker 4: So they literally assigned. So it says, but when was
Speaker 4: this assigned to you?
Speaker 13: I'll be when I bought the unit, like twenty years ago.
Speaker 4: Okay, So they're saying limited common elements specifically identified in
Speaker 4: five to one. See, I don't have the rest of this.
Speaker 4: That's the problem. You just sent me this. You didn't
Speaker 4: send I mean you know you're sending me an okay.
Speaker 4: Declaration states that the association is responsible for the improvement, maintenance, upkeep,
Speaker 4: reconstruction and replacement of common elements and the limited common
Speaker 4: elements specifically identified in five point one. But you're not
Speaker 4: giving me five point one. I don't know what it says.
Speaker 4: You sent me something that is you know, you send
Speaker 4: me a resolution, bro, you know I have. It's referencing
Speaker 4: your main bylaws.
Speaker 13: Okay, that's that's what the h ways jumped me.
Speaker 4: Well okay, well then we have Okay, then didn't you
Speaker 4: have a question? Oh what is five point one?
Speaker 13: Yeah, we've been going back and forth on emails and
Speaker 13: they pretty much tore me right out straight that they
Speaker 13: can fix it, but they're gonna build me for it. Okay.
Speaker 4: What they're saying is that they're only responsible for what's
Speaker 4: outlined in.
Speaker 2: Five point one.
Speaker 4: Okay, Okay, then it says okay, then it says five
Speaker 4: point two of the declaration provides that an owner is
Speaker 4: responsible for repairing and replacing all portion of the owners
Speaker 4: uniments unit and the limited common elements unless otherwise provided
Speaker 4: in five point one. So without seeing five point one,
Speaker 4: I don't know what they're talking about.
Speaker 2: This is useless to me. Okay.
Speaker 4: They keep referencing five point one. Then it says Section
Speaker 4: four point four states common expense associated with the maintenance
Speaker 4: repair replacement of limited common element again may be assessed equally. Okay,
Speaker 4: but we don't know what it is. Here's what I'm assuming, Okay,
Speaker 4: from what I'm reading here, I'm assuming that they have
Speaker 4: these water lines and these common elements sometimes going through
Speaker 4: private property or through individuals' properties, and they're calling them
Speaker 4: limited common elements, meaning they're limited to them. I don't know.
Speaker 4: So we have to figure out they're defining it. And
Speaker 4: if you moved in with that, then that's what you accepted.
Speaker 4: But I don't know if you accepted that without reading it. Okay,
Speaker 4: So you have to get your resume, not your resid
Speaker 4: but the actual bylaws that lay these out. You need
Speaker 4: to get me those or we and then we can
Speaker 4: have one of our people look at it.
Speaker 2: But if we sent this to our.
Speaker 4: Real estate attorney, they would say, well, what does five
Speaker 4: point one say?
Speaker 2: Okay, so can you get that for us and get
Speaker 2: back to us. Get that and we'll send it over
Speaker 2: to Brad O'Brien and get an answer man, Yeah, but
Speaker 2: we need to see what you agreed to.
Speaker 13: And since the it's away and stuff is staying that
Speaker 13: so if something happens to these other units and am
Speaker 13: I responsible then for it?
Speaker 2: What do you mean to these other units? What does
Speaker 2: that mean?
Speaker 13: Where I see the pressure, the high pressure valve is
Speaker 13: not working, so the pressures up to one hundred and
Speaker 13: twenty in the whole complex. So that's going to blow
Speaker 13: up was pipes.
Speaker 2: It could hurt. And if they say that you neglected
Speaker 2: to fix, what was your responsibility?
Speaker 5: I don't understand for the life of me how that
Speaker 5: could be his responsibility for the whole building.
Speaker 2: Neither do I.
Speaker 4: Neither do I unless somehow mark they're defining two things
Speaker 4: common elements I read it, I get it, and limited
Speaker 4: common elements as as specified in five point one.
Speaker 2: And unless we read five point one, we will never know.
Speaker 4: But is it possible that that that homeowners have agreed
Speaker 4: to these kind of ridiculous things.
Speaker 2: Yeah, it is possible, Larry. What would cost to fix
Speaker 2: that pressure regulator?
Speaker 13: I'm not sure I had done plumbing. Come out and
Speaker 13: look at my hot Why dosiness making some really loud
Speaker 13: bangs because of the high pressure and the other ones
Speaker 13: that discovered how high the pressure.
Speaker 2: Was, but they didn't say what it will cost to
Speaker 2: repair it.
Speaker 13: No, they didn't.
Speaker 2: How big is the line? Do you know?
Speaker 13: I can't be it's not real big. It's just for
Speaker 13: four units in this building.
Speaker 4: Well it may not be that expensive, but you know, listen,
Speaker 4: I want you to just the idea. Ask them for
Speaker 4: a copy of all of the bylaws so you can
Speaker 4: reference five point one. Just tell them you need to
Speaker 4: reference the whole thing. You got it when you bought
Speaker 4: your They probably provided it for you when you bought
Speaker 4: your condo. And if you don't have it, you can
Speaker 4: ask the title company where you closed to send it
Speaker 4: to you.
Speaker 2: How long ago did you buy there?
Speaker 13: Uh, probably fifteen years, twenty year or something like that.
Speaker 4: Well, this amendment was done in twenty sixteen, so you
Speaker 4: own before that, and somehow along the lines they amended it.
Speaker 4: So you need to get a copy of this stuff. Man,
Speaker 4: you need to get a copy of the bylaws with
Speaker 4: all of the amendments. It's possible when you moved in
Speaker 4: it wasn't so, and then you.
Speaker 2: Agreed to it. You agreed to it.
Speaker 4: I got to take this break threeho three seven one
Speaker 4: three A two five five