WEBVTT 1 00:00:00.480 --> 00:00:10.560 Yeah, ripped, you need advice so you don't have. 2 00:00:12.679 --> 00:00:13.439 Come running. 3 00:00:13.720 --> 00:00:18.320 Just as fast as we can, Shooter's gonna help come. 4 00:00:18.920 --> 00:00:24.039 Man, This is the Troubleshooter Show. No Tom Martine. 5 00:00:24.359 --> 00:00:28.199 Hey, I'm Tom Martino. Welcome to the show. Three oh 6 00:00:28.320 --> 00:00:32.200 three seven one three talk three O three seven one 7 00:00:32.240 --> 00:00:34.280 three eight two five five. 8 00:00:34.799 --> 00:00:35.520 As you'll see here. 9 00:00:35.560 --> 00:00:38.799 I if you're streaming the show, I have Stephanie with me, 10 00:00:38.840 --> 00:00:41.399 Stephanie Thomas, who is a real estate I broke from 11 00:00:41.399 --> 00:00:44.240 the Pike's Peak area and Frank durand the real estate 12 00:00:44.280 --> 00:00:45.759 man's on his way and we're gonna talk a little 13 00:00:45.759 --> 00:00:46.600 bit about real estate. 14 00:00:46.920 --> 00:00:47.159 Now. 15 00:00:47.159 --> 00:00:50.719 Conventionally, I believe I believe this is a slower time 16 00:00:50.759 --> 00:00:54.399 if you're I'm not positive of that, but Stephanie, in general, 17 00:00:55.759 --> 00:00:58.280 November and December a little slower because people are waiting 18 00:00:58.280 --> 00:00:58.920 for the holidays. 19 00:00:59.000 --> 00:01:02.000 Yeah, we kind of shift in the traditional market where 20 00:01:02.039 --> 00:01:04.120 people start thinking about holidays and family and all of 21 00:01:04.120 --> 00:01:07.319 that kind of thing. You see showings kind of slowed down. 22 00:01:07.400 --> 00:01:09.560 You see activities slow down, but the buyers that tend 23 00:01:09.560 --> 00:01:11.799 to be in the market tend to be serious, like 24 00:01:11.840 --> 00:01:13.159 I gotta move type down. 25 00:01:13.239 --> 00:01:13.439 Christ. 26 00:01:13.640 --> 00:01:17.879 But in general, even though it's the holidays. It's even 27 00:01:17.959 --> 00:01:19.319 a little slower than normal. 28 00:01:19.560 --> 00:01:20.239 I think it is. 29 00:01:21.000 --> 00:01:22.920 I think we still have a lot of things, you know, 30 00:01:22.959 --> 00:01:25.760 that are our interest rates are still floating in the sixes. 31 00:01:25.799 --> 00:01:27.480 And of course I can't quote you think people. 32 00:01:27.319 --> 00:01:29.280 Are waiting thinking maybe things will get better. 33 00:01:29.359 --> 00:01:30.760 I do think we're going to see some of that. 34 00:01:30.840 --> 00:01:33.040 I think people are waiting to see what happens, you know, 35 00:01:33.200 --> 00:01:34.439 new administration, all of that. 36 00:01:34.879 --> 00:01:37.239 So we're going to talk about days on market and 37 00:01:37.640 --> 00:01:40.439 selling stuff in the Pike's Peak area in the Denver area, 38 00:01:40.599 --> 00:01:43.480 buying stuff opportunities. But first, I'm going to go to 39 00:01:43.480 --> 00:01:46.120 the phones, as I always do first, and Kathy's got 40 00:01:46.159 --> 00:01:47.159 a roofing issue. 41 00:01:47.400 --> 00:01:50.480 Hey, Kathy, by the way, is Mark up. 42 00:01:51.920 --> 00:01:54.000 And let me just check here if he's on. I'm 43 00:01:54.040 --> 00:01:57.120 not sure if he's up, I don't think so okay, Yeah, 44 00:01:57.159 --> 00:02:00.599 I don't see his cam. Okay, So anyway, let's just 45 00:02:00.680 --> 00:02:05.159 go to the phones and let's talk. So, Kathy, what 46 00:02:05.280 --> 00:02:06.519 is happening with you? 47 00:02:08.520 --> 00:02:08.680 Hi? 48 00:02:08.759 --> 00:02:10.120 Tom, Hi, Kathy? 49 00:02:10.439 --> 00:02:11.120 What's happening? 50 00:02:12.879 --> 00:02:13.319 So I'm the. 51 00:02:13.319 --> 00:02:16.000 First time homeowner, and you know, I don't know how 52 00:02:16.360 --> 00:02:19.439 everything works. I just want to know if I have, 53 00:02:19.639 --> 00:02:21.680 like a good case here or now? 54 00:02:21.800 --> 00:02:24.280 Is this a new home or a used home? 55 00:02:25.120 --> 00:02:26.199 It is a used home. 56 00:02:26.240 --> 00:02:29.560 It is built from nineteen sixty. 57 00:02:29.159 --> 00:02:33.680 Five, and it was built in nineteen sixty five. And 58 00:02:33.759 --> 00:02:36.599 you bought it from someone selling it or was it 59 00:02:36.680 --> 00:02:42.400 vacant as they were selling it, I believe, and they 60 00:02:42.400 --> 00:02:44.159 were living in it up till they sold it. 61 00:02:45.479 --> 00:02:47.240 Yes, but I've lived in my home for like the 62 00:02:47.319 --> 00:02:48.439 last three years now. 63 00:02:48.520 --> 00:02:50.439 Oh so you've been there for three years? 64 00:02:50.919 --> 00:02:51.319 Yes? 65 00:02:52.039 --> 00:02:55.800 Okay, So what's going on? What can we help you with? Yeah? 66 00:02:56.159 --> 00:02:59.199 So you know, we had a hail storm and all 67 00:02:59.199 --> 00:03:02.199 that good stuff. I filed a claim and you know, 68 00:03:02.280 --> 00:03:06.840 the adjusters came out, they wrote me a check and everything, 69 00:03:06.919 --> 00:03:11.479 and basically it's my roof. And then I have like 70 00:03:11.520 --> 00:03:16.120 a little like side area, like a side patio with 71 00:03:16.199 --> 00:03:18.800 a metal roof. And the issue that I'm having is 72 00:03:18.840 --> 00:03:21.280 with the metal roof section. 73 00:03:21.919 --> 00:03:23.439 So what's the issue? 74 00:03:25.639 --> 00:03:27.560 The issue is the way they installed it. 75 00:03:27.639 --> 00:03:31.400 So and did they install that? How long ago did 76 00:03:31.439 --> 00:03:32.120 they install it? 77 00:03:32.159 --> 00:03:32.520 Do you know? 78 00:03:33.520 --> 00:03:35.439 They installed it back in April, so I have like 79 00:03:35.479 --> 00:03:39.080 a little timeline there, so you know, back in April 80 00:03:39.120 --> 00:03:43.360 of nineteen they came and installed the roof and then 81 00:03:43.639 --> 00:03:46.639 one week later, on the twenty ninth, you know, it 82 00:03:46.759 --> 00:03:47.800 rained a little, and we. 83 00:03:47.719 --> 00:03:50.159 Just we started knowing, No, you didn't have this done. 84 00:03:50.680 --> 00:03:54.360 This is the previous owner. Previous owner had had the 85 00:03:54.400 --> 00:03:56.919 metal roof done in April of twenty nineteen. 86 00:03:58.039 --> 00:03:59.919 No, no, they I don't know when they had this 87 00:04:00.120 --> 00:04:03.000 like metal roof done. The metal roof was already there 88 00:04:03.080 --> 00:04:04.000 when I moved in. 89 00:04:04.680 --> 00:04:10.280 So then what's April of twenty nineteen. What's April twenty nineteen. 90 00:04:11.199 --> 00:04:13.960 Not April twenty nineteen, but this upcoming April nineteenth. 91 00:04:13.960 --> 00:04:16.279 So oh, I'm sorry, okay, keep going. 92 00:04:16.759 --> 00:04:20.879 Nineteen. Yeah, April nineteenth, we had this team come and 93 00:04:20.920 --> 00:04:24.879 install like new metal roofs because the damage due to 94 00:04:24.920 --> 00:04:25.319 the hail. 95 00:04:25.639 --> 00:04:26.319 I get it. 96 00:04:26.439 --> 00:04:30.079 I'm sorry, Okay, on April nineteenth, you had a new 97 00:04:30.240 --> 00:04:31.839 that you okay, So keep going. 98 00:04:31.879 --> 00:04:32.360 I'm sorry. 99 00:04:33.079 --> 00:04:35.439 No, no, that's okay. So they came in installed this 100 00:04:35.560 --> 00:04:39.439 new metal roof along with my other routine. They just 101 00:04:39.639 --> 00:04:43.319 installed everything, and then on April twenty ninth, one week later, 102 00:04:43.439 --> 00:04:45.480 it started to rain and I just noticed there was 103 00:04:46.439 --> 00:04:50.160 rain drops coming down like in between the metal sheets. 104 00:04:50.240 --> 00:04:52.199 You know, so previously I. 105 00:04:52.120 --> 00:04:54.480 Didn't now when you say in between the metal sheets. 106 00:04:54.720 --> 00:04:57.600 How could you see that? Where's this metal roof? Is 107 00:04:57.639 --> 00:04:58.759 it over a garage? 108 00:04:59.439 --> 00:05:01.319 It is where my like I have like a small 109 00:05:01.319 --> 00:05:05.639 little like patio out front. So it just basically this 110 00:05:06.360 --> 00:05:08.439 metal roof just kind of covers the patio. 111 00:05:08.920 --> 00:05:11.959 I got it, Okay, over the patio. 112 00:05:12.040 --> 00:05:15.079 So when you're underneath it, you looked up and saw 113 00:05:15.240 --> 00:05:19.000 water coming between the sheets where. 114 00:05:18.800 --> 00:05:21.240 Water was just dripping in between the sheets. 115 00:05:21.439 --> 00:05:21.879 Got it? 116 00:05:22.240 --> 00:05:26.160 Yeah, yeah, so it was dripping, and I'm like, you know, 117 00:05:26.199 --> 00:05:32.160 we didn't have this problem before they replace replace the. 118 00:05:32.079 --> 00:05:35.000 How bad was it dripping? How bad was it dripping? 119 00:05:35.480 --> 00:05:39.720 Very minimal like it was there was just small little drip, 120 00:05:40.000 --> 00:05:42.800 you know, like okay, but water was still just flipping 121 00:05:42.839 --> 00:05:45.920 through and with the roofs, you know, So then what 122 00:05:46.240 --> 00:05:48.519 especially if we didn't have that issue. So we called 123 00:05:48.519 --> 00:05:51.000 them again. We're like, hey, you know, we noticed this, 124 00:05:51.360 --> 00:05:52.439 can you come and fix it? 125 00:05:52.639 --> 00:05:52.959 Sure? 126 00:05:53.240 --> 00:05:55.439 So they're like, sure, we'll come and fix it. 127 00:05:55.720 --> 00:05:58.399 Yeah, because I mean it was only a week old, right. 128 00:05:59.240 --> 00:06:00.680 Exactly won't a week old? 129 00:06:01.639 --> 00:06:02.000 And so. 130 00:06:04.240 --> 00:06:05.680 You know, yeah, we told them that they needed to 131 00:06:05.680 --> 00:06:07.839 fix it. And then not only that, like we actually 132 00:06:07.839 --> 00:06:09.920 talked to our guy. We were like, hey, you know 133 00:06:10.040 --> 00:06:13.639 we kind of have like little concerns about the structures. 134 00:06:13.800 --> 00:06:17.160 I don't know what they did, but they must have. 135 00:06:17.600 --> 00:06:19.439 The way that they installed it, like there was like 136 00:06:19.480 --> 00:06:22.160 some sort of like ship, Like we can see scrapes 137 00:06:22.720 --> 00:06:25.399 of our where our old gutter used to be. I 138 00:06:25.399 --> 00:06:26.720 don't know how to explain it, but like there was 139 00:06:26.959 --> 00:06:30.240 they changed some sort of structure, you know, because we 140 00:06:30.319 --> 00:06:32.519 have like scrapings and I wish I could show you 141 00:06:32.519 --> 00:06:36.160 guys videos. We took pictures of all this, but like 142 00:06:36.199 --> 00:06:38.160 we just told them, we think that they kind of 143 00:06:38.199 --> 00:06:40.040 changed the structure a little, like they must have had 144 00:06:40.040 --> 00:06:44.160 to lower it down to put like the new roof on, 145 00:06:44.680 --> 00:06:47.279 and water was getting trapped in and we believe that's 146 00:06:47.319 --> 00:06:48.680 why water was dripping. 147 00:06:49.120 --> 00:06:54.360 Okay, really, what matters is this The roof shouldn't be leaking. 148 00:06:54.439 --> 00:06:55.560 Let's just simplify it. 149 00:06:56.040 --> 00:06:57.519 So what do they say they're going to do. 150 00:06:59.000 --> 00:07:00.680 So they said that they would come in fix it again. 151 00:07:00.839 --> 00:07:04.160 So a month later they came back to fix it, 152 00:07:04.759 --> 00:07:08.160 and we're like, okay, cool. Then in July, so this 153 00:07:08.240 --> 00:07:11.839 is two months later, it rained again and. 154 00:07:11.959 --> 00:07:15.439 Water was into so wait, so they said they fixed it, 155 00:07:15.480 --> 00:07:16.439 but it happened again. 156 00:07:17.319 --> 00:07:20.519 It happened again, and now it's even worse, it's even uglier, Like. 157 00:07:21.079 --> 00:07:23.399 How did they when they came to fix it? What 158 00:07:23.439 --> 00:07:24.040 did they do? 159 00:07:25.800 --> 00:07:29.959 They just uninstalled it, so like they removed the metal 160 00:07:29.959 --> 00:07:32.759 sheets off and it looks like they just replaced it 161 00:07:32.800 --> 00:07:34.639 again or I don't know if they're replaced it. I 162 00:07:34.680 --> 00:07:36.040 didn't wash process, but it looks. 163 00:07:35.879 --> 00:07:38.360 Like all right, hold on a second, Hold on a second. 164 00:07:39.399 --> 00:07:44.519 I think I want to get I want to get 165 00:07:44.800 --> 00:07:49.439 our roofing expert on someone from Excel Roofing, because I 166 00:07:49.439 --> 00:07:53.160 have some mind, I have some questions. So Kathy, I'm 167 00:07:53.160 --> 00:07:54.959 going to put you on hold Kaschina, let's try to 168 00:07:55.000 --> 00:07:57.800 get Excel either Jay or Henry. I have a quick 169 00:07:57.879 --> 00:07:59.759 question on that because I. 170 00:07:59.639 --> 00:08:00.399 Have a feeling. 171 00:08:01.199 --> 00:08:03.800 I have a feeling I know what's going on. I'm 172 00:08:03.800 --> 00:08:06.920 not positive, but I think I know what's going on. 173 00:08:07.079 --> 00:08:09.959 So just hang in there now, Mark, are you connected? 174 00:08:10.920 --> 00:08:11.120 Yeah? 175 00:08:11.160 --> 00:08:11.360 Yah? 176 00:08:11.439 --> 00:08:15.279 Yah? Are you on your camera? No? Not yet, I 177 00:08:15.279 --> 00:08:17.519 got to get that out. Give me a few all right. 178 00:08:17.600 --> 00:08:19.519 I want you to listen to this one though, coming 179 00:08:19.600 --> 00:08:23.600 up about an RV. Like I said, we both are 180 00:08:23.720 --> 00:08:26.959 r V ers, and but this you're more recent than 181 00:08:27.000 --> 00:08:30.480 I am. Dave has an RV refrigerator issue. Go ahead, Dave, 182 00:08:30.519 --> 00:08:31.160 what's going on? 183 00:08:32.240 --> 00:08:32.480 Hey? 184 00:08:32.519 --> 00:08:36.279 Good morning, morning, Hey Dave, I was working on my 185 00:08:36.360 --> 00:08:41.960 own RV runs on electric in LP, and how old 186 00:08:42.039 --> 00:08:42.559 is your RV? 187 00:08:42.879 --> 00:08:44.720 What kind is it? 188 00:08:44.799 --> 00:08:47.799 To Winnebago twenty twelve, thirty five plots? 189 00:08:47.799 --> 00:08:50.279 Okay? Got it? Okay, so keep going. 190 00:08:51.080 --> 00:08:53.440 Dual sourced powered electric? 191 00:08:53.559 --> 00:08:53.799 Got it? 192 00:08:54.679 --> 00:08:54.879 Yeah? 193 00:08:54.919 --> 00:08:56.559 Well, occasionally, you know, the. 194 00:08:56.600 --> 00:09:01.320 LP pilot light wouldn't light. So being a handyman, I 195 00:09:01.399 --> 00:09:04.480 go out undo the tube and I use a compressor 196 00:09:04.519 --> 00:09:06.480 to blow out any cob webs. 197 00:09:06.879 --> 00:09:09.679 Apparently when I rehooked it up, I must. 198 00:09:09.759 --> 00:09:15.200 Created a leak, fired the thing back up, literally fired 199 00:09:15.279 --> 00:09:17.919 up and burned up by refrigerator. 200 00:09:18.879 --> 00:09:21.279 So my question now, what exactly hold on? 201 00:09:21.600 --> 00:09:25.960 What was leaking to the. 202 00:09:25.320 --> 00:09:29.799 Feed hose from the propane line wasn't tight enough and. 203 00:09:29.799 --> 00:09:31.960 It was leaking. And when you say it burned up, 204 00:09:32.279 --> 00:09:34.120 was it there literally a fire? 205 00:09:35.240 --> 00:09:38.879 Oh? Yeah? Oh yeah? Is close. 206 00:09:39.000 --> 00:09:41.159 So when you turned it on, when you turned it on, 207 00:09:41.360 --> 00:09:43.759 I mean there was a fire literally. 208 00:09:44.320 --> 00:09:46.759 Ye oh yeah, flames blowing up, it was building. 209 00:09:46.799 --> 00:09:50.879 Did it hurt anything else or just the refrigerator, just 210 00:09:51.000 --> 00:09:54.720 the refrigerator? Wow, only belase. 211 00:09:54.919 --> 00:09:55.759 I was that close. 212 00:09:55.960 --> 00:09:59.600 I mean I were lucky inside the Oh yeah, I mean. 213 00:09:59.519 --> 00:10:02.120 You So what can we do? What can we do 214 00:10:02.240 --> 00:10:02.879 for you? Now? 215 00:10:02.919 --> 00:10:03.120 Man? 216 00:10:03.159 --> 00:10:03.919 What's going on? 217 00:10:05.039 --> 00:10:09.080 I'm just wondering is that going to be covered by insurance? 218 00:10:09.320 --> 00:10:11.120 I had an adjust throughout yesterday. 219 00:10:11.279 --> 00:10:12.200 What do you think, Mark? 220 00:10:12.279 --> 00:10:15.039 He was working on it and and it was loose, 221 00:10:15.080 --> 00:10:16.799 and he started, I think it would be. 222 00:10:17.399 --> 00:10:19.080 I don't know why it wouldn't be, as long as 223 00:10:19.120 --> 00:10:20.679 you have coverage for that. 224 00:10:22.240 --> 00:10:24.919 Well, I'm what I would call fully covered. 225 00:10:25.240 --> 00:10:26.440 I haven't looked at the. 226 00:10:27.279 --> 00:10:29.039 Well, who's your insurance company for it? 227 00:10:29.080 --> 00:10:30.440 Who is it? Is it progressive? 228 00:10:30.440 --> 00:10:33.360 Who is its progressive? Yeah? 229 00:10:33.399 --> 00:10:35.799 I would think that's covered. But you know what, Brian 230 00:10:36.879 --> 00:10:40.240 over it. It's not our policy. Let's get Brian on 231 00:10:40.320 --> 00:10:42.600 he he knows about that progressive policy. 232 00:10:43.039 --> 00:10:45.960 Yeah, So hold on, we're gonna, we're gonna, we're gonna 233 00:10:46.000 --> 00:10:49.080 load up with experts today. So let's get uh, let's 234 00:10:49.120 --> 00:10:52.200 get compass on that one. I'm making some call notes here. 235 00:10:52.559 --> 00:10:55.600 Hold on, all right, bro, I'm Tom Martine. Kevin's coming 236 00:10:55.679 --> 00:10:58.440 up next. I'm gonna take excel roofing after the break 237 00:10:58.480 --> 00:11:02.080 as well. Plus we have Frank durand the real Estate 238 00:11:02.120 --> 00:11:03.720 Man and Stephanie Thomas. 239 00:11:04.519 --> 00:11:08.200 She'll be on and he'll be on talking about real estate. 240 00:11:08.279 --> 00:11:10.679 A lot of people are wondering if they should wait 241 00:11:10.759 --> 00:11:12.759 to put their house on the market or should they 242 00:11:12.759 --> 00:11:13.399 do it now? 243 00:11:14.080 --> 00:11:16.639 Does it hurt to be on the market and not sell. 244 00:11:17.480 --> 00:11:19.840 We'll talk about all of that coming up on the 245 00:11:19.879 --> 00:11:27.720 Troubleshooter Show. Go with a sure Thing Denver's Best Roofer 246 00:11:27.840 --> 00:11:29.360 Excel Roofing dot com. 247 00:11:29.399 --> 00:11:31.399 You don't pay a cent until you're content. 248 00:11:34.799 --> 00:11:37.960 Time for an insurance check up, free no obligation comparison 249 00:11:38.120 --> 00:11:41.679 call Compass Insurance paying too much your coverage at dozens 250 00:11:41.679 --> 00:11:44.399 of insurance companies find out now three O three, seven 251 00:11:44.399 --> 00:11:46.759 to seven to one help. You'll think you're his only 252 00:11:46.879 --> 00:11:49.320 customer when you choose Frank durand the real estate Man 253 00:11:49.360 --> 00:11:52.759 dot com to list your home with Remax Alliance three 254 00:11:53.000 --> 00:12:02.720 three nine two zero sixteen twenty two. Hey Tom Martino 255 00:12:02.919 --> 00:12:05.679 here and I welcome you to the show three oh 256 00:12:05.720 --> 00:12:09.080 three seven on three Talk seven one three eight two 257 00:12:09.080 --> 00:12:14.279 five five. I want to go to uh Henry, I 258 00:12:14.279 --> 00:12:19.039 believe it's Henry. Uh Yeah, Henry at Excel Roofing for Kathy. 259 00:12:20.279 --> 00:12:24.159 Kathy had a metal roof put on over her patio 260 00:12:24.279 --> 00:12:29.240 when she had her roof replaced for hail damage, and 261 00:12:29.639 --> 00:12:33.360 she said she noticed water coming down, you know, because 262 00:12:33.399 --> 00:12:36.759 it's an open patio underneath, and she noticed water dripping. 263 00:12:36.799 --> 00:12:38.519 They tried to fix it, and it got worse. They 264 00:12:38.519 --> 00:12:42.480 actually took it off and reinstalled it. Now, Kathy, is. 265 00:12:42.399 --> 00:12:49.159 This roof like metal panels like four by eight panels 266 00:12:49.279 --> 00:12:52.120 or are they individual strips? How is this metal roof 267 00:12:52.159 --> 00:12:52.799 put on? Do you know? 268 00:12:53.919 --> 00:12:54.120 Yeah? 269 00:12:54.799 --> 00:12:58.519 It is a panel? I think maybe I want to say, 270 00:12:58.600 --> 00:13:04.440 maybe it's like three like panel like linked wise? 271 00:13:05.039 --> 00:13:07.639 And did they come did it come pre pre colored? 272 00:13:09.759 --> 00:13:12.159 Yeah? I can't remember what color? 273 00:13:12.519 --> 00:13:13.440 Okay, okay? 274 00:13:13.879 --> 00:13:17.080 So and then and I want to ask another question. 275 00:13:17.320 --> 00:13:21.120 Did they screw it into the wood slats above your patio? 276 00:13:23.200 --> 00:13:25.360 I don't know about that because I can you. 277 00:13:25.320 --> 00:13:27.720 See when you look up at it, do you see screwholes? 278 00:13:27.879 --> 00:13:29.879 Do you see screws or nails? You don't see nails 279 00:13:29.960 --> 00:13:30.799 or screws. 280 00:13:30.399 --> 00:13:34.639 Do you I don't believe I see nails and screws, 281 00:13:34.679 --> 00:13:37.759 But I could see like gaps. Let me just think 282 00:13:37.840 --> 00:13:39.559 I can pull up that picture. 283 00:13:39.919 --> 00:13:42.399 You actually see gaps? When you look you can see 284 00:13:42.440 --> 00:13:43.759 sky or a light. 285 00:13:44.120 --> 00:13:47.080 I couldn't see sky, but I could see like light 286 00:13:47.320 --> 00:13:49.679 kind of shining through it. If that makes. 287 00:13:49.440 --> 00:13:54.039 Sense, doesn't make clarify panels? 288 00:13:54.039 --> 00:13:56.399 Henry? What Henry, just. 289 00:13:56.360 --> 00:13:59.440 To clarify, you're seeing that light in between the panels? 290 00:14:00.639 --> 00:14:04.399 Correct, Hey, Henry, I wanted to ask you something. Aren't 291 00:14:04.480 --> 00:14:09.480 metal roofs usually put over some kind of decking with 292 00:14:09.639 --> 00:14:13.440 a waterproof you know? Isn't it kind of like regular 293 00:14:13.519 --> 00:14:16.399 roofing where you put it over you know, what do 294 00:14:16.440 --> 00:14:18.679 you call tarpaper or whatever that paper is you put 295 00:14:18.679 --> 00:14:23.919 down or the roofing sheathing over a decking or is 296 00:14:23.960 --> 00:14:25.879 it usually put straight like that? 297 00:14:27.039 --> 00:14:27.240 Yeah? 298 00:14:27.320 --> 00:14:30.399 Absolutely, So the standard in the code is to have 299 00:14:30.759 --> 00:14:33.240 either like an OSB or some sort of decking wood, 300 00:14:33.480 --> 00:14:35.840 and then you put your underlayment on top of that, 301 00:14:36.120 --> 00:14:38.399 and you put your ice and water shield down, and 302 00:14:38.440 --> 00:14:41.480 then your roofing material. So there are those three layers. 303 00:14:41.960 --> 00:14:44.879 So even if, and it's not uncommon then to have 304 00:14:44.919 --> 00:14:48.000 a little water, but it would flow down, right. 305 00:14:48.159 --> 00:14:50.519 Isn't that just the way it works? 306 00:14:51.120 --> 00:14:51.320 Yeah? 307 00:14:51.399 --> 00:14:54.039 Yeah, absolutely. It sounds to me like this is some 308 00:14:54.120 --> 00:14:56.759 sort of like corrugated or something. So I guess that's 309 00:14:56.799 --> 00:14:59.080 a good question for her. Is this something that's a 310 00:14:59.120 --> 00:15:02.200 little more wavy or these like strong lines, you remember 311 00:15:02.240 --> 00:15:04.879 what they? Is it? 312 00:15:05.440 --> 00:15:05.759 Okay? 313 00:15:05.840 --> 00:15:08.320 So is it wavy like every four inches or every 314 00:15:08.360 --> 00:15:09.039 six inches? 315 00:15:10.759 --> 00:15:14.039 I bet it's like your hangar tom trying. 316 00:15:14.120 --> 00:15:16.919 Yeah, ridge, there are ridges on the roof if you 317 00:15:16.960 --> 00:15:20.600 step back, see these roofs aren't meant to be water tight. 318 00:15:21.279 --> 00:15:24.440 Well they kind of are. They kind of are, but 319 00:15:25.879 --> 00:15:29.360 it's hard. So it was a regular shedding roof, and 320 00:15:29.840 --> 00:15:32.240 they replaced it exactly the way it was on there. 321 00:15:32.320 --> 00:15:35.840 You didn't have wood or anything underneath that metal. 322 00:15:35.600 --> 00:15:38.159 Right, That is correct? I did not. 323 00:15:38.679 --> 00:15:46.480 They replaced it exactly the way it was, Is that right? 324 00:15:47.120 --> 00:15:47.279 Yes? 325 00:15:47.600 --> 00:15:50.960 Yeah? So there like how it was. My only concern 326 00:15:51.120 --> 00:15:52.720 was I never had leaks? 327 00:15:52.799 --> 00:15:54.120 You never had a leak before? 328 00:15:54.399 --> 00:15:57.200 Yeah, I mean I've had I've had a roof like 329 00:15:57.279 --> 00:16:00.480 that put on my barn where all though I think 330 00:16:00.480 --> 00:16:03.480 I had sheathing on my barn mark? 331 00:16:03.519 --> 00:16:05.840 Do you have sheathing under yours? 332 00:16:06.159 --> 00:16:06.559 Uh? 333 00:16:06.600 --> 00:16:08.080 I don't think so. 334 00:16:08.639 --> 00:16:11.519 Honestly, I don't know how my metal building is. I 335 00:16:11.639 --> 00:16:13.879 just don't know. When you look up at the metal, 336 00:16:13.879 --> 00:16:15.919 I'm just wondering. I can't look up at it because 337 00:16:15.960 --> 00:16:16.480 I've got it. 338 00:16:16.480 --> 00:16:20.120 It's insulated. Oh oh oh, oh, hey. 339 00:16:19.919 --> 00:16:24.639 Henry, Yep, the roof should be shedding water though it 340 00:16:24.639 --> 00:16:28.279 shouldn't be. It should have never actually sat there and 341 00:16:29.080 --> 00:16:30.840 for water to drip through, should it. 342 00:16:31.799 --> 00:16:32.080 Yeah? 343 00:16:32.120 --> 00:16:35.799 Absolutely So anything that seep slope, so like a metal 344 00:16:35.879 --> 00:16:38.679 roof like this should be draining the water properly. And 345 00:16:38.720 --> 00:16:41.759 I had another question for is there any kind of 346 00:16:41.879 --> 00:16:43.399 decking underneath. 347 00:16:43.000 --> 00:16:45.200 This or can you see the bounce? There's not. She 348 00:16:45.320 --> 00:16:47.559 said it's metal. She can look up and see the metal. 349 00:16:48.759 --> 00:16:52.200 Yeah, so if it's if it's involved properly and it's overlapping, 350 00:16:52.279 --> 00:16:54.960 it should drain about ninety nine percent of that water 351 00:16:55.080 --> 00:16:58.639 off the top. But then usually we have that synthetic 352 00:16:58.679 --> 00:17:01.720 ice in water or underlaying it on the backside to 353 00:17:01.759 --> 00:17:05.079 make sure that none of it drips. And so if 354 00:17:05.119 --> 00:17:07.319 it is going to be exposed like that and it's 355 00:17:07.319 --> 00:17:10.000 not going to have any decking or ice and water shield, 356 00:17:10.839 --> 00:17:13.720 you know, any anything like that, it might drip a 357 00:17:13.759 --> 00:17:15.559 little bit, but it shouldn't. 358 00:17:15.599 --> 00:17:16.920 And if you are seeing. 359 00:17:16.640 --> 00:17:18.799 Gaps on that's a that's a. 360 00:17:18.759 --> 00:17:22.359 Big red flag. That shouldn't be exposing any sunlight from 361 00:17:22.359 --> 00:17:22.799 the bottom. 362 00:17:23.640 --> 00:17:26.559 Now what do they say about it when you call Kathy, 363 00:17:26.680 --> 00:17:27.799 what do they say about it? 364 00:17:28.519 --> 00:17:31.319 So when I told him about it, then they started 365 00:17:31.319 --> 00:17:32.799 blaming it on the structure. 366 00:17:33.680 --> 00:17:36.920 Wow, come on, did you tell them I never had 367 00:17:36.960 --> 00:17:37.720 a leak before. 368 00:17:38.799 --> 00:17:41.559 I did tell them that, but they just kept insisting 369 00:17:41.559 --> 00:17:44.240 it as a structure. But here's the thing. Then we 370 00:17:44.359 --> 00:17:46.880 noticed there was a dent, like a dent on the 371 00:17:47.039 --> 00:17:48.559 side of like the structure. 372 00:17:49.200 --> 00:17:51.720 And so, what do you mean a dent on the 373 00:17:51.839 --> 00:17:56.359 side of the structure? What side your house or the patio? 374 00:17:57.000 --> 00:17:57.960 It's still the patio. 375 00:17:58.119 --> 00:18:00.599 So it does a patio have walls? 376 00:18:01.839 --> 00:18:03.880 It does not. I don't know how to explain it. 377 00:18:03.880 --> 00:18:08.640 It has The patio is metal. So, but the side 378 00:18:08.799 --> 00:18:12.519 rails on the side of the patio, there was a 379 00:18:12.640 --> 00:18:14.720 dent like it started to dent. 380 00:18:15.880 --> 00:18:18.599 Could you take some pictures for us? Can you send 381 00:18:18.640 --> 00:18:19.920 us some pictures. 382 00:18:19.480 --> 00:18:22.519 Too, Yes, because I want to really show it to you. 383 00:18:22.640 --> 00:18:24.519 No, no, no, that's okay. I'll tell you what. 384 00:18:24.759 --> 00:18:26.920 If you can take some pictures and send it to us, 385 00:18:27.000 --> 00:18:29.240 we'll send them to Henry. 386 00:18:29.559 --> 00:18:33.559 Okay, yeah, what part of town are you and Kathy? 387 00:18:34.440 --> 00:18:36.200 I am in Colorado Springs. 388 00:18:36.440 --> 00:18:40.119 Oh okay, well you guys that they have an off 389 00:18:40.200 --> 00:18:43.319 out there. Yeah, yeah, yeah, but I mean, Henry's not 390 00:18:43.319 --> 00:18:45.079 going to run down there is what I meant, not today, 391 00:18:45.200 --> 00:18:47.920 So take us some pictures. We do have people down 392 00:18:47.920 --> 00:18:50.920 there though, so hang on. I want to see some pictures, 393 00:18:51.319 --> 00:18:53.319 and then we will get you back up and I'll 394 00:18:53.319 --> 00:18:56.720 show the picture on the air and Henry can. 395 00:18:56.559 --> 00:18:58.880 Look at it as well. And let's just see what 396 00:18:58.880 --> 00:18:59.519 we're looking at. 397 00:18:59.720 --> 00:19:06.599 It's hard for me to visualize what you're talking about. Idea, okay, 398 00:19:06.880 --> 00:19:08.759 so just hang on though, let's get a picture. I 399 00:19:08.759 --> 00:19:10.599 want to I want to go to Brian Burns with 400 00:19:10.640 --> 00:19:14.480 Excel excuse me, with the Insurance Healthcenter dot com, which 401 00:19:14.519 --> 00:19:17.799 is Compass Insurance Group. They do free insurance checkups. So 402 00:19:17.839 --> 00:19:21.079 we have that website, the Insurance Helpcenter dot com three 403 00:19:21.160 --> 00:19:24.920 oh three, nine ninety six, nine thousand. We had a question, Hey, Brian, 404 00:19:25.000 --> 00:19:30.200 he's got an RV. Dave's got an RV and and uh, 405 00:19:30.720 --> 00:19:34.799 it is a propane refrigerator along you know, it's a 406 00:19:34.880 --> 00:19:39.079 dual electric propane like most of them. He was working 407 00:19:39.160 --> 00:19:42.759 on it and when he turned it on, he probably 408 00:19:42.880 --> 00:19:45.960 said he says, he probably didn't have it tight enough 409 00:19:46.319 --> 00:19:50.519 the propane line, and it started a fire and ruined 410 00:19:50.559 --> 00:19:54.680 the refrigerator. Luckily, he confined he was able to turn 411 00:19:54.720 --> 00:19:58.000 it off immediately and confine the damage to the refrigerator. 412 00:19:58.680 --> 00:20:01.759 Would his Progressive and Aran's policy cover that if it 413 00:20:01.839 --> 00:20:04.400 was stupidity? I don't mean that by the way, Dave, 414 00:20:04.440 --> 00:20:06.799 I'm sorry, I shouldn't use that word. If it was 415 00:20:06.920 --> 00:20:08.839 owner caused by mistake. 416 00:20:09.960 --> 00:20:12.359 Yeah, even if you make a mistake, if you if 417 00:20:12.400 --> 00:20:16.200 it's an accident or whatever it is, you still have 418 00:20:16.279 --> 00:20:18.960 coverage for that kind of loss. You're just not covered 419 00:20:18.960 --> 00:20:21.559 if that they did to be intentional, which obviously is 420 00:20:21.599 --> 00:20:24.400 not a case here. But uh, that's that's where it 421 00:20:24.440 --> 00:20:27.799 can get where there's no coverage, is if it deemed 422 00:20:27.799 --> 00:20:31.880 something to be an intentional lost. But just mistakes, you know, 423 00:20:32.000 --> 00:20:34.319 even if they are are ones that you maybe you 424 00:20:34.319 --> 00:20:37.440 should know better or whatever, those still can be covered 425 00:20:37.519 --> 00:20:38.319 underneath the policy. 426 00:20:38.400 --> 00:20:38.599 Yeah. 427 00:20:38.599 --> 00:20:42.119 That's the whole purpose of getting insured, right right right? 428 00:20:42.319 --> 00:20:46.160 Yeah, people, I've had losses that you wouldn't believe they 429 00:20:46.240 --> 00:20:49.240 still covered where you would you would. I had someone 430 00:20:50.160 --> 00:20:52.319 start a fire by trying to light a cigarette with 431 00:20:52.359 --> 00:20:56.440 a broken toaster and it burned their whole house and nice. 432 00:20:57.640 --> 00:20:59.920 Now I want to ask you something, what's your deductible. 433 00:21:00.160 --> 00:21:02.119 Dave, Well, I. 434 00:21:02.079 --> 00:21:04.640 Thought it was a thousand, but then when I looked 435 00:21:04.680 --> 00:21:06.759 up my policy, it's actually two fifty. 436 00:21:07.359 --> 00:21:10.799 Man, is that crazy? You should change that? But now 437 00:21:10.839 --> 00:21:13.400 that it is too fairy, how much is this whole 438 00:21:13.400 --> 00:21:14.559 thing going to cost a fix? 439 00:21:16.119 --> 00:21:17.480 Seven thousand dollars? 440 00:21:17.640 --> 00:21:19.880 Yeah, well it's worth a claim, isn't it. Is he 441 00:21:19.960 --> 00:21:21.960 going to get arged on this line? 442 00:21:22.599 --> 00:21:25.599 No, that's a comprehensive loss, so I wouldn't even worry 443 00:21:25.599 --> 00:21:26.000 about it. 444 00:21:26.079 --> 00:21:30.240 Yep, I put in the claim. Dave got to fifty. 445 00:21:30.319 --> 00:21:32.799 He said deductible was adjuster out. 446 00:21:33.160 --> 00:21:36.440 I had the adjuster out yesterday, and he kind of indicated, 447 00:21:36.480 --> 00:21:38.960 He goes, I just want to prepare you. He goes, 448 00:21:39.400 --> 00:21:42.160 I don't think this is going to be covered, and 449 00:21:42.200 --> 00:21:44.279 I said why wouldn't it be? And we kind of 450 00:21:44.319 --> 00:21:45.279 talked back and pay. 451 00:21:45.119 --> 00:21:47.480 Wait wait, wait right? Why yeah, why wouldn't it be? 452 00:21:49.359 --> 00:21:52.240 He kind of was alluding to, well, if you work 453 00:21:52.359 --> 00:21:55.279 on your own car and you put your oil filter 454 00:21:55.400 --> 00:21:58.000 in wrong and it drained out, you ruined your engine. 455 00:21:58.039 --> 00:21:59.000 That wouldn't be covered. 456 00:22:00.359 --> 00:22:03.039 Quiet, but yeah, this is a this isn't oil. 457 00:22:03.559 --> 00:22:05.880 This was a fire, and yeah it was. 458 00:22:05.960 --> 00:22:09.039 This is a fire. That's a different circumstance. Yeah, let's 459 00:22:09.079 --> 00:22:12.079 see what happens if they give you a denial letter, 460 00:22:12.440 --> 00:22:14.160 you know, give me a call or fax over or 461 00:22:14.160 --> 00:22:15.599 send it over to me, Email it over to me, 462 00:22:15.680 --> 00:22:16.960 just so I can take a look and we'll see 463 00:22:17.000 --> 00:22:17.839 if there's anything we can do. 464 00:22:18.119 --> 00:22:19.279 Out of curiosity. 465 00:22:19.680 --> 00:22:22.519 Out of curiosity, what are you paying a year for 466 00:22:22.599 --> 00:22:25.160 insurance on that? 467 00:22:25.319 --> 00:22:27.079 I think it's twelve hundred bucks. 468 00:22:27.279 --> 00:22:28.680 And what's the value of. 469 00:22:28.640 --> 00:22:32.680 Yourv Oh, it's probably seventy five thousand. 470 00:22:33.519 --> 00:22:37.039 Okay, all right, you might want to consider a higher deductible, 471 00:22:37.079 --> 00:22:39.000 but in this case, it did you well, I gotta 472 00:22:39.279 --> 00:22:40.160 I gotta take a break. 473 00:22:40.200 --> 00:22:43.200 Three oh three seven one three talk. By the way, Compass. 474 00:22:42.880 --> 00:22:46.240 Insurance for those check ups zero three nine nine six 475 00:22:46.799 --> 00:22:49.559 nine thousand. That's zero three nine nine six nine thousand. 476 00:22:50.200 --> 00:22:55.480 Genesis Total Exteriors can help you with your storm damage 477 00:22:55.519 --> 00:22:57.880 all on one invoice if you're still waiting for storm 478 00:22:57.960 --> 00:23:01.319 damage to be fixed, or they turn their attention to 479 00:23:01.440 --> 00:23:05.440 inside as the weather gets colder. They can do kitchens, bathrooms, basements. 480 00:23:05.680 --> 00:23:14.279 Genesis Tootalexteriors dot Com go with a sure thing Denver's 481 00:23:14.279 --> 00:23:17.200 Best Rufer Excel Roofing dot com. You don't pay a 482 00:23:17.279 --> 00:23:23.759 cent until you're content. Time for an insurance check up free, 483 00:23:23.839 --> 00:23:27.559 no obligation. In comparison, call Compass Insurance. Pay too much 484 00:23:27.680 --> 00:23:30.640 your coverage at dozens of insurance companies find out now 485 00:23:30.720 --> 00:23:33.200 three oh three seven seven to one help. You'll think 486 00:23:33.240 --> 00:23:35.839 you're his only customer when you choose Frank Durand the 487 00:23:35.880 --> 00:23:38.519 real estate Man dot com to list your home with 488 00:23:38.640 --> 00:23:42.200 Remax Alliance three oh three nine two zero sixteen twenty two. 489 00:23:46.200 --> 00:23:47.960 Hi Tom, I'm Martino here. 490 00:23:48.440 --> 00:23:51.880 Three three seven one three talks seven one three eight 491 00:23:51.920 --> 00:23:52.880 two five five. 492 00:23:53.039 --> 00:23:54.000 Welcome to the show. 493 00:23:54.240 --> 00:23:56.599 By the way, let's just say hi to Frank Durandi 494 00:23:56.640 --> 00:24:00.519 Realestateman dot com. He he joins us with Stephanie Thomas. 495 00:24:00.559 --> 00:24:02.880 And then we got Marky Mark on the lower here. 496 00:24:02.920 --> 00:24:05.559 I got him up now, so the gang's all here, Mark, 497 00:24:05.799 --> 00:24:09.720 So Frank. Average time on market, hold on, let me 498 00:24:09.759 --> 00:24:10.319 get the mics on. 499 00:24:10.359 --> 00:24:11.279 Go ahead, sir, sure. 500 00:24:11.319 --> 00:24:13.839 So the median days we're seeing it twenty six days, 501 00:24:14.480 --> 00:24:17.799 average days over thirty. I don't have the exact number, 502 00:24:17.839 --> 00:24:20.160 but I know one thing we've been seeing is more 503 00:24:20.200 --> 00:24:22.519 inventory hitting the market, no more buyers buying. We're sitting 504 00:24:22.519 --> 00:24:26.039 around three point six months in inventory tom and it's 505 00:24:26.079 --> 00:24:29.279 about twenty eight days on yeah, median. But I would 506 00:24:29.279 --> 00:24:31.200 say this too. I would say this too. I saw 507 00:24:31.279 --> 00:24:32.920 a lot of people kind of holding off wait and 508 00:24:32.920 --> 00:24:33.839 to see about elections. 509 00:24:33.920 --> 00:24:35.799 I happens every time. That happens every time. 510 00:24:36.319 --> 00:24:38.720 But I tell you this, it's gonna be very interesting 511 00:24:38.720 --> 00:24:40.400 to see what happens after the first of the year. 512 00:24:40.440 --> 00:24:43.000 The FEDS are talking about gradually dropping rates throughout the year. 513 00:24:43.319 --> 00:24:45.720 I personally think we're going to see a nice uptick 514 00:24:46.119 --> 00:24:48.960 in the market going into March April May. This last year, 515 00:24:48.960 --> 00:24:50.759 we hit our peak in April time. We usually hit 516 00:24:50.799 --> 00:24:53.039 it in June. I think we'll see a better market 517 00:24:53.039 --> 00:24:54.279 come down the stretch in twenty five. 518 00:24:54.680 --> 00:25:00.000 Okay, Stephanie Thomas from the Springs area, your average time on. 519 00:25:00.480 --> 00:25:03.440 So I pulled some stats this morning on our active properties. 520 00:25:03.599 --> 00:25:05.240 That way we could see what the actual days on 521 00:25:05.279 --> 00:25:08.400 market are for those and my single families in Colorao Springs, 522 00:25:08.440 --> 00:25:09.960 I'm at eighty two days on market. 523 00:25:10.000 --> 00:25:12.440 Wow, So it's quite a bit slower. 524 00:25:12.079 --> 00:25:15.119 Absolutely, And the condo town home patio homes, I'm at 525 00:25:15.200 --> 00:25:19.039 ninety six there. So we're definitely seeing things slow down and. 526 00:25:19.480 --> 00:25:23.640 Those are numbers in both areas, right, guys. In other words, Stephanie, 527 00:25:23.640 --> 00:25:27.559 that's not just your numbers compared to Franks, that's Colorado 528 00:25:27.640 --> 00:25:28.920 Springs compared to Denver. 529 00:25:29.680 --> 00:25:31.119 Correct, that is Colorado Springs. 530 00:25:31.160 --> 00:25:31.920 Why is it there? 531 00:25:32.079 --> 00:25:35.519 Only my god, I mean, I'm like smacking between both 532 00:25:35.559 --> 00:25:35.920 of them. 533 00:25:36.039 --> 00:25:38.839 How are they so different like that? I don't get it. 534 00:25:39.680 --> 00:25:43.000 You know, if I pull the car Report, which shows 535 00:25:43.039 --> 00:25:46.559 from some sold properties year over year, the numbers are different. 536 00:25:46.680 --> 00:25:49.519 So I actually went and looked at everything currently active 537 00:25:49.559 --> 00:25:51.960 on the market and pulled what those average days are, 538 00:25:52.640 --> 00:25:55.759 so just to kind of indicate the most current activity 539 00:25:55.759 --> 00:25:56.279 we're seeing. 540 00:25:58.039 --> 00:26:02.279 Okay, so basically this time of year is always slower, 541 00:26:02.319 --> 00:26:04.079 but it's even slower than slower. 542 00:26:04.839 --> 00:26:07.400 Yeah, we see that seasonal dip between the holidays, Tom. 543 00:26:07.440 --> 00:26:09.960 But you know, at the same token, I'm finding its 544 00:26:10.000 --> 00:26:12.319 price point to price point, area to area. Because I 545 00:26:12.359 --> 00:26:14.599 had a couple of million dollar properties. We had moved 546 00:26:14.599 --> 00:26:17.640 those within about a week, had strong demand on them. 547 00:26:18.000 --> 00:26:20.400 The condo market's been a lot tougher, and those are 548 00:26:20.440 --> 00:26:20.920 lower price. 549 00:26:20.960 --> 00:26:23.839 Well, I think people are hearing about all the nightmares 550 00:26:23.880 --> 00:26:28.480 with insurance and and appraisal not appraisal, Yeah, assessments I 551 00:26:28.559 --> 00:26:32.880 meant and all of that that that listen, living like 552 00:26:32.960 --> 00:26:35.640 this is going to be a nightmare soon, you know 553 00:26:35.680 --> 00:26:39.000 they have I don't know what to say. People are thinking, 554 00:26:39.039 --> 00:26:40.720 I don't want to make assessments. I don't want to 555 00:26:40.720 --> 00:26:42.720 have high dues. You're gonna have one or the other. 556 00:26:42.880 --> 00:26:43.319 You're gonna have. 557 00:26:43.400 --> 00:26:45.279 What are the people paying for that mortgage? 558 00:26:45.319 --> 00:26:45.480 Now? 559 00:26:45.519 --> 00:26:47.440 What is the interest rate at guys? 560 00:26:48.119 --> 00:26:50.359 Well, I just spoke to Craig this morning, and I'll 561 00:26:50.359 --> 00:26:52.440 tell you what we're seeing. The conventional it was it 562 00:26:52.480 --> 00:26:55.200 was pushing around seven now around six and three quarters 563 00:26:55.680 --> 00:26:57.079 FHAVA low six. 564 00:26:56.960 --> 00:26:58.440 Is at this point. So it's been a little back 565 00:26:58.480 --> 00:26:58.839 and forth. 566 00:26:58.839 --> 00:27:03.240 Friends, Kevin wants to talk about terminating from a job. 567 00:27:03.759 --> 00:27:07.319 Never a pleasant conversation. Kevin, what's going on with you, sir? 568 00:27:07.440 --> 00:27:09.519 What's what can we do? I hope we can help you, man. 569 00:27:11.000 --> 00:27:15.400 Yeah, so I let go about two weeks ago. There's 570 00:27:15.440 --> 00:27:16.559 two tests that happened. 571 00:27:16.599 --> 00:27:19.599 Were you fired or laid off? Or is there a difference? 572 00:27:19.720 --> 00:27:23.119 Fired five weeks ago? Was it without cause? 573 00:27:23.200 --> 00:27:23.400 Yeah? 574 00:27:23.400 --> 00:27:25.759 They gave me a choice. They gave me a choice 575 00:27:25.880 --> 00:27:28.799 to either retire or be fired, and I chose to 576 00:27:28.839 --> 00:27:29.799 just go ahead and be fired. 577 00:27:31.240 --> 00:27:36.480 Why why did you try to do that route? 578 00:27:36.480 --> 00:27:41.200 Because I could collect unemployment? Oh okay, and and then 579 00:27:41.240 --> 00:27:43.000 plus might find you. 580 00:27:43.039 --> 00:27:44.720 By the way, what do you mean, how old are 581 00:27:44.720 --> 00:27:45.559 you for retiring? 582 00:27:47.319 --> 00:27:48.559 I'm I'm fifty five. 583 00:27:49.680 --> 00:27:50.200 Okay. 584 00:27:50.359 --> 00:27:52.319 So so they gave you a choice and you said, 585 00:27:52.440 --> 00:27:56.279 just fire me. Did they give you a reason? Yeah? 586 00:27:56.279 --> 00:27:59.119 There's two tests that have to be passed. One test 587 00:27:59.440 --> 00:28:02.359 is ThReD percent has to be one hundred percent. Second 588 00:28:02.359 --> 00:28:03.559 one has to be ninety. 589 00:28:03.880 --> 00:28:06.200 And what kind of test? What work? What work do 590 00:28:06.240 --> 00:28:06.519 you do? 591 00:28:07.960 --> 00:28:10.839 It's with the white rail, okay? 592 00:28:10.880 --> 00:28:12.839 And what kind of test is it? Like you, what 593 00:28:12.880 --> 00:28:13.559 do you have to do? 594 00:28:15.039 --> 00:28:15.160 Uh? 595 00:28:15.680 --> 00:28:18.279 So the first test it has to be done with 596 00:28:18.839 --> 00:28:24.039 flagging trains and stuff like that. 597 00:28:24.079 --> 00:28:26.000 That one has to be passed with a hundred tents. 598 00:28:26.559 --> 00:28:30.559 And so that test there is an individual I was 599 00:28:30.680 --> 00:28:34.119 I was waiting, and they scored the test and one 600 00:28:34.160 --> 00:28:38.519 individual missed one and he gave him an opportunity. 601 00:28:38.039 --> 00:28:41.279 To change the the answer, and so we took the 602 00:28:41.279 --> 00:28:41.880 second test. 603 00:28:42.200 --> 00:28:44.440 You were actually saying you actually saw this. 604 00:28:45.680 --> 00:28:50.119 Yes, I actually saw it. And so the second test 605 00:28:50.200 --> 00:28:55.240 we took and I didn't pass. 606 00:28:55.799 --> 00:28:56.880 And the second test. 607 00:28:56.720 --> 00:28:59.079 Has to do more with t which is pretty much 608 00:28:59.279 --> 00:29:01.880 all the alignment. And I didn't pass that when I 609 00:29:01.920 --> 00:29:05.559 got eighty nine, and I didn't know he let us 610 00:29:05.599 --> 00:29:08.079 review it, but I didn't actually bring my glasses, so 611 00:29:08.119 --> 00:29:10.279 I didn't I wasn't able to look at was just 612 00:29:10.319 --> 00:29:11.559 like the red marks. 613 00:29:12.200 --> 00:29:13.799 Okay, so he took. 614 00:29:14.160 --> 00:29:16.559 So then he took the test, or he took the 615 00:29:16.599 --> 00:29:19.759 test from us, and I had to return like two 616 00:29:19.759 --> 00:29:22.319 weeks later to sign off on some of the paperwork 617 00:29:22.680 --> 00:29:24.960 that has to be signed off on. So I signed 618 00:29:24.960 --> 00:29:27.200 off on that, and he said, oh, by the way, 619 00:29:27.200 --> 00:29:29.599 you didn't pass the test, you had to retake the test, 620 00:29:30.039 --> 00:29:32.759 and so I wasn't prepared. I didn't have my glasses 621 00:29:32.759 --> 00:29:34.680 with it because the first time I didn't take my 622 00:29:34.720 --> 00:29:36.240 glasses too, just because. 623 00:29:35.960 --> 00:29:38.400 The fact that, so where do we stand? So you 624 00:29:38.480 --> 00:29:42.240 were fired, but it was for not passing the test. 625 00:29:42.319 --> 00:29:44.359 So what are you calling about? What can we do 626 00:29:44.440 --> 00:29:44.799 for you? 627 00:29:46.079 --> 00:29:51.119 Well, the first person was able to change his answer. 628 00:29:51.400 --> 00:29:54.519 Why wasn't I given that ability to change one answer, 629 00:29:55.799 --> 00:29:57.680 or at least at that time when I didn't pass, 630 00:29:58.319 --> 00:29:59.720 least be notified. 631 00:30:00.599 --> 00:30:01.200 Was it only? 632 00:30:01.400 --> 00:30:05.599 Okay, let's make sure we're comparing apples with apples. You 633 00:30:05.799 --> 00:30:09.480 both missed one question on the same test. 634 00:30:10.319 --> 00:30:15.799 No, well there's your answer. Okay, Bye, I'm sorry. 635 00:30:16.359 --> 00:30:18.559 That was like a riddle. The guy was telling you 636 00:30:18.640 --> 00:30:19.200 a riddle. 637 00:30:19.680 --> 00:30:23.960 I mean, if they didn't both they I don't even 638 00:30:24.039 --> 00:30:26.880 know if they both missed this, you know, not the 639 00:30:26.920 --> 00:30:30.400 same but one. But he said no, so I don't 640 00:30:30.519 --> 00:30:36.079 understand what he was talking about. If he missed more 641 00:30:36.119 --> 00:30:37.400 than one, there's the reason. 642 00:30:38.480 --> 00:30:40.079 I'm not so sure it even matters. 643 00:30:40.160 --> 00:30:42.200 I mean, if I'm speeding and the guy next to 644 00:30:42.240 --> 00:30:44.519 me is speeding, and I get a ticket and the 645 00:30:44.559 --> 00:30:47.519 other guy, my defense is not the other guy didn't 646 00:30:47.559 --> 00:30:48.279 get a ticket. 647 00:30:48.440 --> 00:30:49.960 Although I would. 648 00:30:49.720 --> 00:30:52.519 Say, though, if you were taking a test, let's say, 649 00:30:53.000 --> 00:30:56.039 and you both got one wrong and the other guy 650 00:30:56.160 --> 00:30:59.359 was given an opportunity and you weren't, Even though there. 651 00:30:59.279 --> 00:31:01.799 Might not be a law to point to, that just 652 00:31:01.839 --> 00:31:04.240 seems weird to me. Yeah, but there could be more 653 00:31:04.240 --> 00:31:05.160 to it. We don't know. 654 00:31:05.680 --> 00:31:08.720 Yeah, that's true. It would be a different question. I mean, 655 00:31:08.799 --> 00:31:11.599 his question could have been, if a train's coming, should 656 00:31:11.640 --> 00:31:12.559 I move out of the way? 657 00:31:13.480 --> 00:31:18.000 Bill, do you have what is the issue with a divorce? Bill? 658 00:31:19.480 --> 00:31:22.440 Well, my wife took everything and she got six hundred 659 00:31:22.480 --> 00:31:24.400 and sixty six thousand. 660 00:31:25.319 --> 00:31:29.799 And Okay, hold on, then hold on. The real important 661 00:31:29.839 --> 00:31:31.559 question is this, did she get remarried? 662 00:31:31.720 --> 00:31:32.400 I'm just kidding. 663 00:31:32.519 --> 00:31:34.920 Hold on a second. I don't mean to joke with you. Bill, 664 00:31:35.000 --> 00:31:36.599 Hang on and we'll come back and talk to you 665 00:31:36.640 --> 00:31:39.519 about it. I don't know how that happens. Six hundred 666 00:31:39.559 --> 00:31:42.319 and sixty six thousand dollars and you got nothing? 667 00:31:43.160 --> 00:31:47.960 Is that what you're saying? Bill? Now, we'll talk to 668 00:31:48.039 --> 00:31:48.799 him right after this. 669 00:31:53.559 --> 00:31:56.799 Go with a sure thing Denver's Best roofer Excel Roofing 670 00:31:56.920 --> 00:31:59.559 dot com. You don't pay a cent until you're content. 671 00:32:02.960 --> 00:32:06.119 Time for an insurance checkup free, no obligation. In comparison, 672 00:32:06.240 --> 00:32:09.839 call Compass Insurance paying too much your coverage at dozens 673 00:32:09.839 --> 00:32:12.559 of insurance companies find out now three O three seven 674 00:32:12.680 --> 00:32:15.480 seven to one help. You'll think you're his only customer 675 00:32:15.519 --> 00:32:17.759 when you choose Frank durand the real estate Man dot 676 00:32:17.799 --> 00:32:21.279 com to list your home with Remax Alliance three three 677 00:32:21.400 --> 00:32:23.119 nine two zero sixteen twenty two. 678 00:32:25.680 --> 00:32:29.599 Tom Martine here, let's talk to Bill. 679 00:32:30.400 --> 00:32:34.519 Bill, you have an issue with a divorce. What you 680 00:32:34.599 --> 00:32:38.680 say is that your wife got everything. So how long 681 00:32:38.720 --> 00:32:39.839 ago was this divorce? 682 00:32:39.920 --> 00:32:40.200 Bill? 683 00:32:41.559 --> 00:32:47.640 Make Camp okay, and how much total was your estate worth? 684 00:32:47.880 --> 00:32:49.960 I mean you and your wife put together? What what 685 00:32:50.079 --> 00:32:51.599 was your total net worth? 686 00:32:51.880 --> 00:32:53.680 My wife member did nothing? 687 00:32:54.079 --> 00:32:56.440 She is no, no, no, I'm not asking if she I'm 688 00:32:56.480 --> 00:32:58.759 not asking if she did nothing or not? Go with 689 00:32:58.839 --> 00:33:02.400 a sure thing Denver Best Roofer Excel Roofing dot com. 690 00:33:02.440 --> 00:33:04.440 You don't pay a cent until you're content. 691 00:33:06.039 --> 00:33:10.279 Please time for an insurance check up free, no obligation 692 00:33:10.400 --> 00:33:14.279 comparison call Compass Insurance paying too much your coverage at 693 00:33:14.319 --> 00:33:17.079 dozens of insurance companies find out now three oh three 694 00:33:17.200 --> 00:33:19.799 seven seven to one help. You'll think you're his only 695 00:33:19.920 --> 00:33:22.359 customer when you choose Frank durand the real estate Man 696 00:33:22.400 --> 00:33:25.880 dot com to list your home with Remax Alliance three 697 00:33:25.880 --> 00:33:28.000 oh three nine two zero sixteen twenty two. 698 00:33:28.799 --> 00:33:38.839 Yeah, RiPP, you need that so you don't have. 699 00:33:41.000 --> 00:33:46.240 Come run instant as we can. Shooter's gonna help. 700 00:33:46.279 --> 00:33:53.519 Come Man Dix is the Troubleshooter Show. No Tom Martino, Hey. 701 00:33:53.599 --> 00:33:56.119 Tom Martino here, Welcome to the show that are brought 702 00:33:56.119 --> 00:33:59.039 to you by Waterpros dot net. The best water systems 703 00:33:59.039 --> 00:34:00.640 at the lowest prices this time of year. 704 00:34:00.680 --> 00:34:02.079 It's only going through the end of the year. 705 00:34:02.599 --> 00:34:06.759 Both water softening for the whole house and not just 706 00:34:06.839 --> 00:34:10.800 water softening, but you get the drinking water, triple filter 707 00:34:10.920 --> 00:34:15.519 reverse osmosis, and both of those are thirty one, ninety five, 708 00:34:15.559 --> 00:34:20.559 three and ninety five. And I look at plumbers are 709 00:34:20.599 --> 00:34:24.559 selling systems that supposedly do this for twelve grand and more. 710 00:34:25.320 --> 00:34:28.559 Now you know water pros. Of course they are plumbers. 711 00:34:28.559 --> 00:34:30.559 But I got to tell you, man, this is the 712 00:34:30.599 --> 00:34:33.039 best price I've ever seen on this kind of water system. 713 00:34:34.079 --> 00:34:36.519 Three oh three, eight six, two five, five five four 714 00:34:37.000 --> 00:34:39.559 Frank durand the real estate man's with us, Stephanie Thomas, 715 00:34:40.400 --> 00:34:45.199 also Stephanie re dot com or Frank durand there estate 716 00:34:45.239 --> 00:34:47.400 man dot com. We were talking real estate and I'm 717 00:34:47.400 --> 00:34:48.760 going to go to the phones, but I have a 718 00:34:48.840 --> 00:34:53.960 quick question from someone. And they said, if now that 719 00:34:54.039 --> 00:34:56.760 the commission structures have changed, and I'm not so sure 720 00:34:56.800 --> 00:34:57.400 they changed. 721 00:34:57.760 --> 00:34:59.480 All the law said was you. 722 00:34:59.440 --> 00:35:02.840 Can't have fixed commissions and they have to be negotiable. 723 00:35:03.239 --> 00:35:06.800 And as to who pays and how much they pay? 724 00:35:06.880 --> 00:35:09.079 Is that bottom line is that what they did. 725 00:35:09.079 --> 00:35:09.920 Tom, You got it right. 726 00:35:09.960 --> 00:35:12.840 In fact, the funny part is Colorado has always been transparent. 727 00:35:12.880 --> 00:35:15.199 That happened in Saint Louis where I think if, in 728 00:35:15.239 --> 00:35:17.360 my opinion, if they would have used contracts the way 729 00:35:17.400 --> 00:35:19.000 we do out here, I don't think that would ever happen. 730 00:35:19.199 --> 00:35:21.920 And I think it's funny anyway, because if a seller 731 00:35:22.039 --> 00:35:24.920 knows they're going to have to pay commission, or a 732 00:35:24.920 --> 00:35:26.679 buyer knows they're going to have to pay a commission 733 00:35:26.719 --> 00:35:29.360 of some kind, if they do, they're going to account 734 00:35:29.360 --> 00:35:30.320 for it in their budget. 735 00:35:30.360 --> 00:35:33.199 It's not like they manufacture extra money. 736 00:35:33.320 --> 00:35:36.480 Right, And like Frank said, it is very clear on 737 00:35:36.519 --> 00:35:37.719 our contract it's. 738 00:35:37.519 --> 00:35:40.960 Split, but it doesn't have to be slit. 739 00:35:41.559 --> 00:35:44.480 No, no, But commissions have always been negotiable. 740 00:35:44.599 --> 00:35:46.079 That's the misconception. 741 00:35:46.320 --> 00:35:49.719 It's always been negotiable between your agent and the Now. 742 00:35:49.639 --> 00:35:52.519 That wasn't the question for the text. I just that 743 00:35:52.639 --> 00:35:55.880 was a preface for me to understand the question. The 744 00:35:55.920 --> 00:35:58.639 person wants to know if they go to somebody who 745 00:35:58.679 --> 00:36:01.400 both sells their house and helps him buy one, do 746 00:36:01.519 --> 00:36:04.599 they get a break? And as you said, it's always negotiable. 747 00:36:04.920 --> 00:36:07.440 Correct, Yeah, that's just case by case, Tom, Really. 748 00:36:07.519 --> 00:36:09.800 Yeah, I mean I mean, if you're gonna do both 749 00:36:09.840 --> 00:36:14.239 for somebody, obviously you want to treat him right, right, Absolutely, Okay. Now, 750 00:36:14.280 --> 00:36:20.880 Bill said he was married forty five years, he got 751 00:36:20.960 --> 00:36:23.440 a divorce, had to sell his farm, and his wife 752 00:36:23.440 --> 00:36:27.239 got mostly everything. Bill, I want to ask a couple questions. Now, 753 00:36:27.719 --> 00:36:31.599 you were married for forty five years and your wife 754 00:36:31.599 --> 00:36:33.400 did you have any kids during that time? 755 00:36:33.559 --> 00:36:33.840 Bill? 756 00:36:35.480 --> 00:36:39.360 Two? One is me mine? Maybe neither one? Blount the 757 00:36:39.480 --> 00:36:40.519 next con. 758 00:36:41.519 --> 00:36:44.440 Okay, hold on, So your wife stepped out on you 759 00:36:44.519 --> 00:36:45.679 during the forty five. 760 00:36:45.559 --> 00:36:50.800 Years many times, and so she filed. 761 00:36:50.440 --> 00:36:53.039 For divorce or did you file for divorce? Bill? 762 00:36:53.440 --> 00:36:55.400 She filed. I didn't know anything about it. I got 763 00:36:55.400 --> 00:36:58.159 a phone call one day. The guy wanted to know 764 00:36:58.199 --> 00:36:59.960 where I was at to serve me and my pay. 765 00:37:00.679 --> 00:37:05.599 Okay, you had no idea, now, but you guys were 766 00:37:05.599 --> 00:37:06.760 living together at the time. 767 00:37:08.440 --> 00:37:11.119 Of course, I built the house, I built the shop, 768 00:37:11.440 --> 00:37:13.880 I bought the farm. That's all paid for. 769 00:37:14.000 --> 00:37:16.880 Now, okay, So you had to sell it and this 770 00:37:17.119 --> 00:37:18.039 was this. 771 00:37:18.039 --> 00:37:18.559 Was in May. 772 00:37:18.920 --> 00:37:21.920 I still the farms in my name. She's trying to 773 00:37:21.960 --> 00:37:25.840 get it in her name so she can sell it 774 00:37:25.920 --> 00:37:26.599 care Okay. 775 00:37:26.639 --> 00:37:30.199 So actually, then no money, no money has actually been 776 00:37:30.199 --> 00:37:31.039 a warded. 777 00:37:30.760 --> 00:37:31.519 Yet, is that right? 778 00:37:33.599 --> 00:37:35.519 I don't know. She's got a cork at the attorney 779 00:37:35.519 --> 00:37:36.519 out of four morganize. 780 00:37:36.559 --> 00:37:39.719 Okay, but Bill and Bill, okay, I understand the commentary 781 00:37:39.760 --> 00:37:41.840 and all that. I need to if you need some help, 782 00:37:41.880 --> 00:37:45.239 I need to get some straight answers. You said that 783 00:37:45.320 --> 00:37:49.320 your wife got six hundred sixty six thousand dollars. 784 00:37:49.519 --> 00:37:50.639 What did you mean by that? 785 00:37:52.320 --> 00:37:57.599 Well, see is a corner to her attorney in Fort Morgana. 786 00:37:57.679 --> 00:37:58.320 It's all I know. 787 00:37:58.679 --> 00:38:01.519 But the divorce has not hold on. The divorce has 788 00:38:01.599 --> 00:38:04.000 not gone through yet. Is that correct? 789 00:38:04.400 --> 00:38:07.880 A tempt? It was none. Supposedly there was a final 790 00:38:07.960 --> 00:38:11.840 decree from some magistrate. 791 00:38:12.960 --> 00:38:13.840 I understand that. 792 00:38:13.920 --> 00:38:16.639 But but you didn't even sell the farm. So what 793 00:38:16.760 --> 00:38:20.960 did the decree say? Usually here's what a decree says that, 794 00:38:21.000 --> 00:38:27.800 and they're gonna saying, okay, she works, Bill, you have 795 00:38:28.239 --> 00:38:32.079 no idea what the court order was for the final decree. 796 00:38:33.360 --> 00:38:37.199 No, she still has my gun collection. She's totally keys 797 00:38:37.320 --> 00:38:38.039 out of my tas. 798 00:38:38.599 --> 00:38:41.039 But are you living? Are you living at the farm? 799 00:38:42.639 --> 00:38:42.679 No? 800 00:38:43.440 --> 00:38:45.679 I live in a friend's house I was in. 801 00:38:46.440 --> 00:38:49.000 Is she living on the farm? Is she living on 802 00:38:49.079 --> 00:38:49.440 the phone? 803 00:38:49.480 --> 00:38:49.559 Oh? 804 00:38:49.679 --> 00:38:50.840 Yeah, that's all hers. 805 00:38:51.000 --> 00:38:55.039 Supposedly you got a case number, man, Yeah, we got 806 00:38:55.159 --> 00:38:55.760 to look at. 807 00:38:55.760 --> 00:39:03.159 Some im having something You don't even know the case. Snupper, Steve, 808 00:39:03.239 --> 00:39:05.400 don't tell you something about MS. 809 00:39:07.000 --> 00:39:09.480 Yes, I have m MASS and I fell out of 810 00:39:09.559 --> 00:39:13.440 my pickup on my walk or broke both legs. And 811 00:39:13.760 --> 00:39:16.760 I've been in a nursing home. I was in Regent 812 00:39:16.960 --> 00:39:21.280 Park and Greeley until that's there because they embezzled over 813 00:39:21.400 --> 00:39:23.639 twenty thousand dollars my debit card. 814 00:39:23.760 --> 00:39:27.480 Nowian insane. Where are you right now? Bill? 815 00:39:28.639 --> 00:39:31.280 I'm in the big town of Proctor, Colorado. 816 00:39:31.920 --> 00:39:33.599 Okay, but you're staying with a friend or what? 817 00:39:34.719 --> 00:39:34.920 Yeah? 818 00:39:36.079 --> 00:39:37.639 Are you on Social Security? 819 00:39:38.960 --> 00:39:41.480 Yeah? Okay, that's what you. 820 00:39:42.840 --> 00:39:46.000 And you don't have any You don't have any money 821 00:39:46.119 --> 00:39:48.320 whatsoever other than social Security. 822 00:39:49.360 --> 00:39:49.679 That's it. 823 00:39:50.000 --> 00:39:55.599 Yeah. But you farmed. You farmed, You farmed from mechanic 824 00:39:56.119 --> 00:39:56.840 Bill years. 825 00:39:57.159 --> 00:40:00.599 Bill helped me out here, bro armed and were a 826 00:40:00.639 --> 00:40:02.480 decel mechanic for fifty years. 827 00:40:03.079 --> 00:40:05.800 You paid off the farm. You're telling me your. 828 00:40:05.760 --> 00:40:10.039 Wife filed for divorce and got absolutely everything. You got nothing, 829 00:40:10.559 --> 00:40:13.519 and you have no paperwork and you have no idea 830 00:40:13.639 --> 00:40:15.039 what the divorce decree says. 831 00:40:15.920 --> 00:40:21.159 And someone else, at least them out of twenty grand Bill. 832 00:40:21.840 --> 00:40:22.719 What we need to do? 833 00:40:23.360 --> 00:40:26.280 Okay, the first thing we need to do is look 834 00:40:26.320 --> 00:40:28.679 at the divorce to the actual court order. 835 00:40:28.880 --> 00:40:32.599 Okay, so we need you don't even have a case number. 836 00:40:32.679 --> 00:40:38.360 You're saying right, Stephen Shannon is a retired judge in Storming, 837 00:40:39.480 --> 00:40:42.719 and he said he would help me do this, but 838 00:40:42.880 --> 00:40:44.039 I haven't heard anything. 839 00:40:44.880 --> 00:40:45.679 What is his name? 840 00:40:47.039 --> 00:40:51.119 Stephen Shin? As a ginn he was. 841 00:40:51.239 --> 00:40:54.400 How did you find Stephen Shinn? How did you find 842 00:40:54.480 --> 00:40:55.280 Stephen Shin? 843 00:40:56.440 --> 00:40:59.639 My neighbor is a good friend. They sing to you, okay, 844 00:41:00.079 --> 00:41:03.480 they go to nursing homes and whatever, and he got 845 00:41:03.559 --> 00:41:05.320 me connected with Stephen. 846 00:41:06.199 --> 00:41:07.599 Did you ever talk to Steven? 847 00:41:10.199 --> 00:41:13.000 No, I haven't. My neighbor does it? 848 00:41:13.280 --> 00:41:16.320 I just so you never talked to Steven yet you've 849 00:41:16.360 --> 00:41:19.239 never how about your neighbor. Does your neighbor have your 850 00:41:19.320 --> 00:41:19.920 case number? 851 00:41:21.920 --> 00:41:21.960 No? 852 00:41:22.599 --> 00:41:26.039 I would have to Stephen chen. I gave him all 853 00:41:26.079 --> 00:41:28.679 of the court records and everything. 854 00:41:28.719 --> 00:41:30.960 But you said you never talked to Steven Shinn. 855 00:41:32.199 --> 00:41:36.199 Well, I talked to Jim, who talks to Steven, and 856 00:41:36.639 --> 00:41:39.079 Jim I told him, you know, I would go in 857 00:41:39.199 --> 00:41:42.719 and get whatever they needed and I got a copy 858 00:41:42.840 --> 00:41:44.679 of the case and everything. 859 00:41:44.960 --> 00:41:47.880 And okay, so you don't have any You don't have 860 00:41:48.119 --> 00:41:51.559 your own copy you just gave everything to the Stephen Shinn. 861 00:41:51.440 --> 00:41:54.760 Right, yeah, yeah, and Jim and then he gave it 862 00:41:54.920 --> 00:41:55.679 Stephen Shin. 863 00:41:56.079 --> 00:41:58.320 Now, do you have a phone number for Jim? Hold on, 864 00:41:58.639 --> 00:42:00.239 do you have a phone number for Jim? I don't 865 00:42:00.239 --> 00:42:01.559 want it on the air, but do you have it? 866 00:42:02.679 --> 00:42:02.880 Yes? 867 00:42:04.199 --> 00:42:08.239 Okay, we need to get somebody, a deputy to call 868 00:42:08.920 --> 00:42:11.440 Jim and get to the bottom of this, just so 869 00:42:11.559 --> 00:42:12.760 we can get some records. 870 00:42:13.360 --> 00:42:13.599 Bill. 871 00:42:15.039 --> 00:42:17.519 Okay, Yeah, there's a lot of stuff that Steve and 872 00:42:17.679 --> 00:42:19.840 Chen said he would like to have, but he's not. 873 00:42:20.000 --> 00:42:22.960 He's retired. He can't just go get it now. 874 00:42:23.440 --> 00:42:29.239 Well, he can't walk, actually anyone can, but so you 875 00:42:29.400 --> 00:42:30.519 can't walk right now? 876 00:42:31.880 --> 00:42:34.960 Oh, I can get around real slow in a walker. 877 00:42:35.559 --> 00:42:36.199 I got four. 878 00:42:36.280 --> 00:42:39.480 Now does your does your ex wife live at the 879 00:42:39.559 --> 00:42:40.360 farm with a man? 880 00:42:41.880 --> 00:42:42.039 Oh? 881 00:42:42.239 --> 00:42:49.199 Yeah, drug dealer. All of a sudden, my telephone has 882 00:42:49.400 --> 00:42:53.719 her cell number in it, which is I guess her boyfriend. 883 00:42:53.800 --> 00:42:57.480 I don't know. He thinks he gets that hit farm 884 00:42:57.559 --> 00:43:01.920 as his and they can't get indeed and her name 885 00:43:02.119 --> 00:43:04.840 or his name because I bothered before we were married. 886 00:43:05.719 --> 00:43:08.920 It's my forum. I paid it off. 887 00:43:09.119 --> 00:43:12.320 I own it, but you said the court according to 888 00:43:12.440 --> 00:43:16.559 her attorney. The court gave them the farm, right. 889 00:43:18.000 --> 00:43:21.559 Well, six hundred and sixty five thousand, I hope you know. 890 00:43:22.199 --> 00:43:25.119 But she's you know, she's drunk. She's drunk. I guess 891 00:43:25.199 --> 00:43:25.639 every day. 892 00:43:25.960 --> 00:43:28.800 My granddaughter, she's drunk, and she lives with a drug addict. 893 00:43:28.840 --> 00:43:30.599 And she cheated on you and had a kid. 894 00:43:30.719 --> 00:43:33.239 Right that I know of? 895 00:43:33.440 --> 00:43:38.360 Yeah, a country western song and and and the amount 896 00:43:38.400 --> 00:43:42.000 of money is six sixty six. This is like a joke, 897 00:43:42.440 --> 00:43:43.239 sign of the devil. 898 00:43:44.679 --> 00:43:47.719 So she was a water she was your order to 899 00:43:47.800 --> 00:43:51.119 pay sixty six six, six hundred and sixty six thousand dollars. 900 00:43:51.719 --> 00:43:53.880 I think she's trying to get the whole farm all 901 00:43:54.000 --> 00:43:58.599 my equivalent. I was self employed after sixty years of 902 00:43:59.119 --> 00:44:01.559 being a fiwo, five years being a mechanic. 903 00:44:02.440 --> 00:44:06.760 You know, Bill, this sounds dreadful. Seriously, even if a 904 00:44:06.880 --> 00:44:09.880 tenth of this is true, it just you're all alone 905 00:44:09.960 --> 00:44:11.639 right now? Do you what about your child? Do you 906 00:44:11.719 --> 00:44:12.519 still see your kid? 907 00:44:14.440 --> 00:44:20.239 My granddaughter and I have two sons. Suppotedly one son 908 00:44:20.400 --> 00:44:22.599 got married. I wasn't invited. 909 00:44:22.679 --> 00:44:27.599 But you said one son, you weren't the biological dad, right, Well, 910 00:44:27.719 --> 00:44:29.800 he said he did a the NA test before he 911 00:44:29.920 --> 00:44:30.440 got married. 912 00:44:30.480 --> 00:44:33.559 And I was his dad. The only one refuses to 913 00:44:33.679 --> 00:44:37.119 do at the NA test, and she is fighting it well. 914 00:44:37.280 --> 00:44:39.599 And the other one, the other one you think, you 915 00:44:39.719 --> 00:44:41.840 think the other one was fathered by someone else. 916 00:44:43.119 --> 00:44:47.639 I do. He's one of his wife is behind all this, 917 00:44:48.400 --> 00:44:50.400 trying to get my farm for nothing. 918 00:44:50.880 --> 00:44:52.639 How old are you, guys? You want your wife? How 919 00:44:52.639 --> 00:44:53.280 old are you guys? 920 00:44:54.719 --> 00:44:57.400 She's sixty I think, and I'm sixty nine. 921 00:44:57.880 --> 00:45:02.159 Okay, hold on, man, need to get Kitschina. Let's give 922 00:45:02.239 --> 00:45:04.000 this to one of our Hey, bo, are you there. 923 00:45:04.719 --> 00:45:07.440 Let's or a dollar. No, I want dollar to do this. 924 00:45:07.639 --> 00:45:10.519 I want Dollar to talk to Uh yeah, I'm here Tom, 925 00:45:11.199 --> 00:45:17.480 a deputy Dollar. Let's talk to Jim, his neighbor or 926 00:45:17.559 --> 00:45:21.039 his previous neighbor, whatever, and see if we can just say, look, 927 00:45:21.119 --> 00:45:23.360 all we're trying to do is help Bill understand what's 928 00:45:23.400 --> 00:45:25.800 going on. If we could get a copy of those 929 00:45:25.920 --> 00:45:29.679 papers or whatever, and let's see if we can do that. Okay, 930 00:45:29.840 --> 00:45:32.800 we got more coming up on The Troubleshooter Show. Three 931 00:45:32.920 --> 00:45:35.599 oh three seven one three talk seven one three eight 932 00:45:35.679 --> 00:45:39.400 two five five. Dan mackenzie and is an estate planning 933 00:45:39.480 --> 00:45:43.599 attorney and he does things in a in a really 934 00:45:43.719 --> 00:45:47.199 cool way he has. He's very creative. He has a 935 00:45:47.320 --> 00:45:51.239 one on one a boutique law firm. You'll get personalized attention. 936 00:45:51.639 --> 00:45:56.360 He knows all about trusts, offshore trust, irrevocable trust, regular wills, 937 00:45:56.639 --> 00:45:59.960 whatever you need to protect yourself and to make sure 938 00:46:00.119 --> 00:46:02.880 your heirs get what you want them to. Dan McKenzie 939 00:46:02.960 --> 00:46:06.079 McKenzie Law, and here's the number. And he's really a 940 00:46:06.159 --> 00:46:10.400 cool guy. Eight three three co plans eight three three 941 00:46:10.920 --> 00:46:19.960 co plans. Go with a sure thing Denver's Best roofer 942 00:46:20.119 --> 00:46:23.000 Excel Roofing dot com. You don't pay a cent until 943 00:46:23.039 --> 00:46:29.480 you're content. 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How are you doing, Tom, I'm doing good, Jim. 955 00:47:04.159 --> 00:47:04.960 How can we help you? 956 00:47:06.280 --> 00:47:06.440 Well? 957 00:47:06.480 --> 00:47:11.119 I had a son, he's twenty eight years old. He 958 00:47:11.400 --> 00:47:15.079 was he was born with a genetic disease called fat 959 00:47:15.559 --> 00:47:20.400 you won't add noos coloposis. And what happened is he 960 00:47:20.599 --> 00:47:21.360 ended up having. 961 00:47:21.480 --> 00:47:24.280 Now he was born with this. He was born with this. Jim. 962 00:47:25.400 --> 00:47:27.239 Well, it's a genetic disease. 963 00:47:27.960 --> 00:47:28.480 Okay, okay. 964 00:47:28.559 --> 00:47:29.599 And how old is he now? 965 00:47:30.800 --> 00:47:34.880 He's twenty eight Okay. I have a daughter that's thirty 966 00:47:35.000 --> 00:47:37.000 two years old and she has it as well. 967 00:47:37.559 --> 00:47:41.440 Oh my goodness. Okay. 968 00:47:41.880 --> 00:47:44.880 So what happens is they end up having to take 969 00:47:44.960 --> 00:47:49.480 the large intestine out because it's so full of cancerous polyps. 970 00:47:50.280 --> 00:47:50.719 My god. 971 00:47:52.000 --> 00:47:53.519 I end up happening to go back. 972 00:47:53.400 --> 00:47:57.280 Into the doctor who's a gas perinologist every month or so, 973 00:47:58.000 --> 00:48:00.519 so that they can stick a scope up there and 974 00:48:00.599 --> 00:48:02.960 you see if there's more polyps that there are, then 975 00:48:02.960 --> 00:48:03.679 they take them out. 976 00:48:04.159 --> 00:48:04.360 Yeah. 977 00:48:05.440 --> 00:48:07.760 Well, the doctor he had, he decided he was going 978 00:48:07.840 --> 00:48:11.519 to try something he hadn't done before, and he went 979 00:48:11.639 --> 00:48:14.159 in and he told my son in the hospital, which 980 00:48:14.199 --> 00:48:17.559 my son was recording this, and he told my son 981 00:48:17.639 --> 00:48:19.400 he says, you know, he said, I think I made 982 00:48:19.440 --> 00:48:21.639 a mistake. He says, I went in and I burned 983 00:48:21.679 --> 00:48:25.039 everything in there. I burned all them polyps out. 984 00:48:25.320 --> 00:48:27.199 Well, he had what's called a J pouch. 985 00:48:27.960 --> 00:48:30.280 And what a J pouch is is they take part 986 00:48:30.320 --> 00:48:33.079 of the small intestine and they make it into a 987 00:48:33.199 --> 00:48:36.199 pouch they sewed up and they connect it to the 988 00:48:36.480 --> 00:48:39.800 you know, to the rectum again, so he could live normally. 989 00:48:40.760 --> 00:48:43.719 Now this was done. Hold on, this was done before 990 00:48:43.840 --> 00:48:45.119 he went to that doctor. 991 00:48:47.079 --> 00:48:49.920 Uh the well the aria, I guess that part was 992 00:48:50.000 --> 00:48:51.559 done before he went to that doctor. 993 00:48:52.239 --> 00:48:56.159 Okay, And that doctor then undid all of that work. 994 00:48:57.719 --> 00:48:59.760 Well, he decided he was going to go in there 995 00:48:59.800 --> 00:49:03.280 with laser and clean out all the pollops and at 996 00:49:03.320 --> 00:49:05.320 the same time he was going to do house cleaning 997 00:49:05.440 --> 00:49:08.719 inside of him, and he burned everything with the laser. 998 00:49:09.280 --> 00:49:14.039 I understand. So he undid the benefits of that previous surgery. 999 00:49:14.199 --> 00:49:19.239 Is that right, That's correct, and destroyed the J pouch. Okay, 1000 00:49:20.559 --> 00:49:23.280 So now my son has to where it has has 1001 00:49:23.440 --> 00:49:26.559 had a total collectomy and he has a bath. 1002 00:49:27.480 --> 00:49:32.480 Was did he ever consult another doctor who said this 1003 00:49:32.880 --> 00:49:34.280 was crazy? 1004 00:49:34.880 --> 00:49:38.800 This was did the did did the doctor know that 1005 00:49:38.920 --> 00:49:39.920 he had a j pouch. 1006 00:49:41.519 --> 00:49:42.039 Yes he did. 1007 00:49:43.199 --> 00:49:47.039 And why did he? Why did he? Why did he 1008 00:49:47.119 --> 00:49:47.760 ablaze it. 1009 00:49:49.719 --> 00:49:52.440 Because he's I think he thought that he could stop 1010 00:49:52.519 --> 00:49:54.239 the polyops from ever coming again. 1011 00:49:54.719 --> 00:49:55.880 Okay, but I get it. 1012 00:49:56.000 --> 00:49:56.400 That's so. 1013 00:49:57.199 --> 00:49:59.519 But is it malpractice? Is the question? 1014 00:50:01.480 --> 00:50:01.679 Yes? 1015 00:50:02.480 --> 00:50:06.159 Well, okay, hold on, Jim, doctor Jim, I'm not I'm 1016 00:50:06.239 --> 00:50:11.239 asking did any doctor say it was malpractice? 1017 00:50:13.760 --> 00:50:16.719 Well, he had to be flight for life to Denver, 1018 00:50:17.480 --> 00:50:19.400 to the University hospital up there. 1019 00:50:19.960 --> 00:50:22.960 Okay, but Jim, did he get flight for life? Did 1020 00:50:23.000 --> 00:50:25.039 he get that right after the surgery? 1021 00:50:26.360 --> 00:50:29.960 Well, this was done right after this, within about two 1022 00:50:30.079 --> 00:50:31.119 months of this doctor. 1023 00:50:31.440 --> 00:50:34.840 Okay, I get it. So within two months he was 1024 00:50:35.119 --> 00:50:37.199 he was rushed to the hospital. 1025 00:50:38.280 --> 00:50:42.920 Correct, Okay, he still detern he was wide open the 1026 00:50:42.960 --> 00:50:45.199 whole way up to Denver. In the hospital, he was 1027 00:50:45.320 --> 00:50:48.800 unconscious and the doctors had to leave him wide open 1028 00:50:48.920 --> 00:50:53.559 because he had gang green inside. Okay, this doctor and 1029 00:50:53.719 --> 00:50:54.519 doing everything. 1030 00:50:55.320 --> 00:50:59.320 Okay, So did any doctors I'm going to ask this again, Jim, 1031 00:50:59.599 --> 00:51:06.239 did any doctors say that that doctor committed malpractice or 1032 00:51:06.320 --> 00:51:08.239 that it looked like malpractice? 1033 00:51:10.559 --> 00:51:14.519 Well that's kind of where it gets complicated, Tom, because 1034 00:51:15.239 --> 00:51:17.719 the doctor called me at two thirty in the morning. 1035 00:51:17.880 --> 00:51:20.480 They said she was going to have to do emergency 1036 00:51:20.599 --> 00:51:23.079 surgery on him. This is where he ended up with 1037 00:51:23.159 --> 00:51:27.639 the total collectomy and take all of this out and 1038 00:51:28.199 --> 00:51:31.599 you have very little small intestine left. So she says, 1039 00:51:31.679 --> 00:51:34.400 who did this? It shouldn't have been done. 1040 00:51:35.199 --> 00:51:35.480 Okay. 1041 00:51:36.039 --> 00:51:38.679 She didn't come out to say how long ago? How 1042 00:51:38.840 --> 00:51:40.400 long ago was all of this, Jim? 1043 00:51:42.199 --> 00:51:44.280 Two years? Uh? 1044 00:51:44.320 --> 00:51:47.639 Oh, you're coming up on the statute of limitations. 1045 00:51:47.679 --> 00:51:50.679 Bro right, it's still in there. I think it's five 1046 00:51:50.800 --> 00:51:51.360 years from. 1047 00:51:51.280 --> 00:51:52.000 What we found out. 1048 00:51:52.119 --> 00:51:54.039 No, it's not, No, it's not. 1049 00:51:54.840 --> 00:51:57.159 I've never heard of a five year statute of limitation 1050 00:51:57.320 --> 00:51:58.199 on malpractice. 1051 00:51:59.760 --> 00:52:02.840 I mean, I don't know. I mean maybe I told 1052 00:52:02.880 --> 00:52:03.119 you that. 1053 00:52:05.480 --> 00:52:09.440 The well, we contacted a bunch of attorneys. I contacted 1054 00:52:09.519 --> 00:52:12.639 one down here, that's my attorney, and he was going 1055 00:52:12.719 --> 00:52:15.599 to handle it. So he did some research on it 1056 00:52:15.880 --> 00:52:17.800 and said that, you know, we had a statue of 1057 00:52:17.880 --> 00:52:20.239 limitations we were up against, and I could have sworn. 1058 00:52:20.360 --> 00:52:22.719 He told me it was either three or five years 1059 00:52:23.800 --> 00:52:28.639 on it. Now, my son is married, lives in Utah 1060 00:52:28.960 --> 00:52:29.679 and he's. 1061 00:52:29.599 --> 00:52:32.480 Had I'm sorry, how come how come that guy's not 1062 00:52:32.639 --> 00:52:35.360 handling it? You said he was going to handle. 1063 00:52:35.039 --> 00:52:39.599 It because he couldn't get a doctor that would take 1064 00:52:39.639 --> 00:52:46.239 a malpractice case. You would sign off stating it was malpractice, Jim. 1065 00:52:46.599 --> 00:52:50.599 That is that is the first requirement, right. 1066 00:52:51.320 --> 00:52:53.320 That's why I came to you because I thought maybe 1067 00:52:53.360 --> 00:52:55.800 you had some doctors that would look at this case 1068 00:52:56.679 --> 00:52:59.599 and see if they thought it was malpracticed. Because they did, 1069 00:53:00.039 --> 00:53:01.199 you're through in life. 1070 00:53:02.360 --> 00:53:03.719 No, I don't. I don't doubt it. 1071 00:53:04.400 --> 00:53:04.719 I don't. 1072 00:53:05.079 --> 00:53:09.320 It could very well be malpractice, Jim. Here's the heartbreak 1073 00:53:09.360 --> 00:53:14.920 of malpractice. First, you have to have a doctor that 1074 00:53:15.119 --> 00:53:18.519 is willing to testify, and then you have to have 1075 00:53:18.719 --> 00:53:22.559 other experts that are willing to testify to support that doctor. 1076 00:53:23.639 --> 00:53:25.920 Then you have to have an attorney who will take it. 1077 00:53:27.119 --> 00:53:28.920 And in order to do that, there have to be 1078 00:53:29.719 --> 00:53:32.159 there have to be a lot of damages. Now, how 1079 00:53:32.199 --> 00:53:36.440 old is your son, by the way, twenty eight? I 1080 00:53:36.480 --> 00:53:40.280 would say he's young enough. There there would be extraordinary damages. 1081 00:53:41.000 --> 00:53:44.039 I don't think that's going to be your problem. But doctors, 1082 00:53:44.440 --> 00:53:47.639 I mean attorneys are very reluctant to take these cases 1083 00:53:48.239 --> 00:53:51.679 without everything in a row because they. 1084 00:53:51.679 --> 00:53:53.960 Have to put a lot of money up front. 1085 00:53:54.719 --> 00:53:59.239 Well, not just that, but it sounded like you know, 1086 00:53:59.519 --> 00:54:02.400 your kids in really bad shape to begin with. I 1087 00:54:02.480 --> 00:54:05.800 mean he's going in to the hospital constantly. I mean 1088 00:54:06.119 --> 00:54:08.840 it sounds like he can't work or do anything even 1089 00:54:09.559 --> 00:54:12.119 before this. I mean, I understand how bad this is, 1090 00:54:12.480 --> 00:54:14.880 but is that correct or can he have a job 1091 00:54:15.039 --> 00:54:15.199 or what? 1092 00:54:16.039 --> 00:54:16.679 Mark? Mark. 1093 00:54:16.760 --> 00:54:19.719 One of the things with malpractice, when you come in 1094 00:54:19.880 --> 00:54:23.800 with pre existing conditions, you have to show that it 1095 00:54:23.960 --> 00:54:26.800 was that the malpractice made it worse than it would be, 1096 00:54:26.960 --> 00:54:29.320 and the only damages you get is how much worse 1097 00:54:29.400 --> 00:54:32.519 it got and how much worse off you are, So 1098 00:54:33.199 --> 00:54:36.719 that is correct. It's not the same as a personal 1099 00:54:36.840 --> 00:54:40.440 injury in a car accident, where if you get someone 1100 00:54:40.480 --> 00:54:44.079 who has problems, you don't get to sale theory. Yeah, 1101 00:54:44.159 --> 00:54:47.880 you don't get to say, hey, you had problems anyway. 1102 00:54:47.960 --> 00:54:52.280 But in malpractice they can use that to lessen damages. 1103 00:54:52.719 --> 00:54:54.960 So people might look at his son and say, oh 1104 00:54:55.079 --> 00:54:58.679 my god, this poor kid. He was so messed up 1105 00:54:58.719 --> 00:54:59.280 to begin with. 1106 00:55:00.239 --> 00:55:02.280 How are we going to prove additional damages. 1107 00:55:02.559 --> 00:55:05.719 Plus we can't even get a doctor to say it 1108 00:55:05.880 --> 00:55:09.800 was malpractice. That's your biggest challenge, Jim. You can't get 1109 00:55:09.840 --> 00:55:13.440 a doctor to say it's malpractice. You need a specialist 1110 00:55:13.599 --> 00:55:16.639 in that area. Now you said there was a surgeon 1111 00:55:17.280 --> 00:55:19.599 or someone who said this should not have been done. 1112 00:55:20.800 --> 00:55:27.960 It's correct. She's the head surgeon at the hospital what's 1113 00:55:28.039 --> 00:55:31.480 it called Oshwitz or something hospital in Denver where they 1114 00:55:31.559 --> 00:55:34.280 play for life to and he was again he was 1115 00:55:34.360 --> 00:55:39.800 cut wide open what he got in the helicopter. Now 1116 00:55:40.000 --> 00:55:43.280 you say didn't do any damages afterwards, Well, he was 1117 00:55:43.320 --> 00:55:49.000 an executive chef Okay fair restaurant. Once you have a colostomy, 1118 00:55:49.119 --> 00:55:51.920 you can't work at a restaurant anymore because you're going 1119 00:55:52.000 --> 00:55:52.920 to be around food. 1120 00:55:53.320 --> 00:55:57.400 Jim, you have a chance, Jim, Jim, I understand, Jim. 1121 00:55:57.719 --> 00:56:02.639 What I'm saying is that doctor that said it was 1122 00:56:03.280 --> 00:56:05.400 malpractice or said it shouldn't have been done? 1123 00:56:06.719 --> 00:56:06.840 Right? 1124 00:56:07.719 --> 00:56:09.159 Is she willing to go on record? 1125 00:56:11.159 --> 00:56:14.480 Well, I think she already has because she wrote it 1126 00:56:14.559 --> 00:56:17.599 into the file. Let me again this, Let me tell 1127 00:56:17.599 --> 00:56:19.880 you this part, because this is the heartbreak. She called 1128 00:56:19.880 --> 00:56:21.960 me at two thirty in the morning, woke and my 1129 00:56:22.039 --> 00:56:26.039 wife up and said, I have your son here. He 1130 00:56:26.239 --> 00:56:30.000 has gang greed and I'm going to have to remove 1131 00:56:30.360 --> 00:56:32.800 the jy pouch, the things that are in here that 1132 00:56:33.039 --> 00:56:35.920 made it where he could live without a bag, and 1133 00:56:36.079 --> 00:56:37.679 she says, I'm going to have to take that out 1134 00:56:37.880 --> 00:56:39.679 and I'm going to give him a five to fifteen 1135 00:56:39.760 --> 00:56:44.079 percent chance of surviving through the night. But before this 1136 00:56:44.280 --> 00:56:49.119 doctor did the a blazement in there, he was working 1137 00:56:49.679 --> 00:56:54.920 at a job. He's a genius, and you know he 1138 00:56:54.960 --> 00:56:57.440 shouldn't have been done. But now it's it's more or 1139 00:56:57.519 --> 00:57:01.199 less destroyed his life. He can't do anything, uh as 1140 00:57:01.280 --> 00:57:02.559 far as you know working. 1141 00:57:02.639 --> 00:57:06.679 But you're but but you have consulted many attorneys already. 1142 00:57:06.760 --> 00:57:07.280 Isn't that so? 1143 00:57:08.599 --> 00:57:12.760 No, just one? It's one because I have a paralyzed vet, 1144 00:57:12.920 --> 00:57:14.599 so I can't get around as much. 1145 00:57:14.480 --> 00:57:16.360 As a well you got you got to talk to 1146 00:57:16.440 --> 00:57:21.199 the people who do this for a living, right I know? Yeah? 1147 00:57:21.280 --> 00:57:24.239 Okay, an attorney that will help. 1148 00:57:24.360 --> 00:57:26.280 Can we get Can we try to get Marco on 1149 00:57:26.400 --> 00:57:30.679 the line? Hold on, Jim, let's try to get him 1150 00:57:30.679 --> 00:57:34.480 on the line. Three oh three seven one three talks 1151 00:57:34.519 --> 00:57:37.199 seven one three eight two five five. This is a heartbreak. 1152 00:57:38.519 --> 00:57:45.280 I mean, was it malpractice? Sometimes if a treatment goes bad, 1153 00:57:45.480 --> 00:57:51.800 it's not necessarily malpractice unless it is so uncalled for. 1154 00:57:53.639 --> 00:57:55.800 Hang on, We're going to be back to tell you more. 1155 00:57:55.880 --> 00:58:00.320 Renew Home Innovations dot com can help you with a 1156 00:58:00.440 --> 00:58:04.119 shower conversion, and they do a great job in two 1157 00:58:04.239 --> 00:58:06.800 or three days, and you have seventy two months to 1158 00:58:07.119 --> 00:58:11.719 pay with no interest. They do a beautiful job that 1159 00:58:11.800 --> 00:58:14.599 will enhance the value of your home. U They do 1160 00:58:14.760 --> 00:58:17.840 it without a threshold to walk or stumble over. 1161 00:58:18.320 --> 00:58:18.639 You can. 1162 00:58:18.880 --> 00:58:21.480 If you're older, you can get in easily and get out. 1163 00:58:21.559 --> 00:58:24.639 Of course, for anyone older or younger, it's beautiful. No 1164 00:58:24.800 --> 00:58:30.039 shower doors required, beautiful glass panels, stone walls with no maintenance. 1165 00:58:30.360 --> 00:58:34.119 Renew home Innovations dot com three O three nine zero 1166 00:58:34.280 --> 00:58:42.199 four to two thousand. Go with a sure thing Denver's 1167 00:58:42.239 --> 00:58:45.079 best roofer Excel Roofing dot com. You don't pay a 1168 00:58:45.199 --> 00:58:51.320 cent until you're content. Time for an insurance check up, 1169 00:58:51.440 --> 00:58:55.440 free no obligation comparison call Compass Insurance paying too much 1170 00:58:55.639 --> 00:58:58.519 your coverage at dozens of insurance companies find out Now 1171 00:58:58.639 --> 00:59:01.360 three O three seven to seven help. You'll think you're 1172 00:59:01.400 --> 00:59:03.920 his only customer when you choose Frank durand the Real 1173 00:59:04.039 --> 00:59:07.000 estate Man dot com to list your home with Remax 1174 00:59:07.079 --> 00:59:10.079 Alliance three oh three nine two zero sixteen twenty two. 1175 00:59:11.880 --> 00:59:15.599 Hi Tom Martino here, Welcome to the show three O 1176 00:59:15.719 --> 00:59:18.960 three seven one three talk seven one three eight two 1177 00:59:19.159 --> 00:59:19.760 five five. 1178 00:59:20.280 --> 00:59:22.360 So we got some pictures of that roof repair we 1179 00:59:22.440 --> 00:59:28.039 talked about earlier. It is bad. Can we get Marco Bendinelli, 1180 00:59:28.159 --> 00:59:31.360 attorney at law on for Jim. Do we have him available? 1181 00:59:32.880 --> 00:59:33.519 Did we try? 1182 00:59:34.519 --> 00:59:37.760 Let's talk about real estate while we're waiting and uh, 1183 00:59:38.079 --> 00:59:41.079 and we're taking your calls as well at three oh 1184 00:59:41.199 --> 00:59:44.559 three seven to one three talk three oh three seven 1185 00:59:44.639 --> 00:59:47.440 one three eight two five five, and I will try 1186 00:59:47.480 --> 00:59:49.880 to get the video up of that patio that has 1187 00:59:49.960 --> 00:59:53.280 the metal roof and you can take a look at 1188 00:59:53.320 --> 00:59:54.159 that metal roof. 1189 00:59:54.920 --> 00:59:56.599 Not very good, that's for dang. 1190 00:59:56.719 --> 00:59:57.000 Sure. 1191 00:59:58.840 --> 01:00:01.559 So anyway, what I'd like to know is. 1192 01:00:03.599 --> 01:00:05.639 With real estate, let me go to these texts and 1193 01:00:05.719 --> 01:00:07.760 buy and I should give out that number again. You 1194 01:00:07.920 --> 01:00:13.239 can text me at any time at seven four seven 1195 01:00:14.119 --> 01:00:18.599 nine nine fifty two eighty. Now what that is is 1196 01:00:18.719 --> 01:00:22.440 my Google number that comes to my personal cell. I 1197 01:00:22.559 --> 01:00:24.199 do it that way so I can keep it on 1198 01:00:24.360 --> 01:00:28.000 and often you guys can contact me seven four seven 1199 01:00:29.719 --> 01:00:33.719 nine fifty two eighty, or you can go to the 1200 01:00:33.800 --> 01:00:38.679 short code that iHeart provides five seven seven three nine. 1201 01:00:38.800 --> 01:00:40.400 Just put Tom in there. And it'll come to me 1202 01:00:41.280 --> 01:00:43.599 five seven, seven, three nine. I do have a text here. 1203 01:00:45.000 --> 01:00:48.360 When you say the average time to market, Frank, twenty 1204 01:00:48.440 --> 01:00:50.760 eight days? Is that averager median? 1205 01:00:50.840 --> 01:00:53.880 First, that was the medium time medium, that's that's according 1206 01:00:53.880 --> 01:00:54.280 to That. 1207 01:00:54.480 --> 01:00:57.519 Means that truly means you have half the houses below 1208 01:00:57.599 --> 01:00:59.159 and half the houses above. 1209 01:00:59.400 --> 01:00:59.880 And some of that. 1210 01:01:00.119 --> 01:01:00.400 Thomas. 1211 01:01:00.480 --> 01:01:03.400 Okay, so that's a lot different than average. Oh yeah, 1212 01:01:03.480 --> 01:01:05.840 do you know what the average time on we're. 1213 01:01:05.679 --> 01:01:06.400 Over thirty days. 1214 01:01:06.440 --> 01:01:08.239 I don't have the exact days off the top of 1215 01:01:08.280 --> 01:01:11.480 my head, but DeMar, the latest GAMAR report. 1216 01:01:11.320 --> 01:01:14.360 Says the median is twenty I think, plain, Stephanie, when 1217 01:01:14.400 --> 01:01:17.039 you said eighty nine or eighty some odd days, was. 1218 01:01:17.039 --> 01:01:19.679 That median average? Average? 1219 01:01:19.880 --> 01:01:23.840 Yeah, yeah, so average would be that's still that's a 1220 01:01:23.880 --> 01:01:27.079 big average. But again, median is half above and half below. 1221 01:01:27.559 --> 01:01:30.880 It's right in the middle there. What houses, Stephanie, are 1222 01:01:30.960 --> 01:01:35.679 selling quicker than others in the Springs area, the Pikes. 1223 01:01:35.360 --> 01:01:39.480 Peak area, you know, our condo town hall market. Definitely 1224 01:01:39.559 --> 01:01:41.280 we're feeling that slow. 1225 01:01:42.079 --> 01:01:44.599 I just so single family homes. But what what target 1226 01:01:44.719 --> 01:01:45.320 of symbols? 1227 01:01:46.000 --> 01:01:48.000 I don't I think it's really all over the board. 1228 01:01:48.960 --> 01:01:51.119 Just what I'm looking at you know listings. I'm looking 1229 01:01:51.159 --> 01:01:53.960 at listings. I'm showing you know, ones that you would 1230 01:01:54.000 --> 01:01:57.079 think would go very fast, that are priced well, look fabulous. 1231 01:01:57.239 --> 01:02:00.639 They might be sitting. So I think it's just ultimately 1232 01:02:00.719 --> 01:02:02.519 that right buyer walking in the house. I don't know 1233 01:02:02.559 --> 01:02:04.199 that there's necessarily okay to. 1234 01:02:04.320 --> 01:02:05.280 Most people right now. 1235 01:02:06.599 --> 01:02:08.320 Do most people come in with a lot of money 1236 01:02:08.360 --> 01:02:10.639 down because of a previous sale or are. 1237 01:02:10.599 --> 01:02:11.239 They on the edge? 1238 01:02:11.639 --> 01:02:12.599 I see a mix. 1239 01:02:12.920 --> 01:02:16.519 You know, Colorado Springs is especially because market. Yeah, and 1240 01:02:16.679 --> 01:02:18.440 VA doesn't require any down payment. 1241 01:02:18.679 --> 01:02:20.880 So okay, And Frank Duran in the real estate man, 1242 01:02:21.880 --> 01:02:23.239 what's selling hot? What's hot? 1243 01:02:24.199 --> 01:02:26.880 I'd say forty percent of what makes up forty percent 1244 01:02:26.920 --> 01:02:28.840 of the market is that sweet spot between five to 1245 01:02:28.920 --> 01:02:31.039 seven and fifty I'd say single family homes, Tom, that 1246 01:02:31.079 --> 01:02:34.280 would be the about forty percent of the market. Fun 1247 01:02:34.639 --> 01:02:36.920 But Tom, I will say this, I've had a couple 1248 01:02:36.920 --> 01:02:39.079 of million dollar properties. We sold two different areas, by 1249 01:02:39.119 --> 01:02:43.320 the way, and moved those within a week and had 1250 01:02:43.360 --> 01:02:45.760 good demand on them. So some of that depended on 1251 01:02:46.360 --> 01:02:48.360 supply and demand ratios area to area. 1252 01:02:49.280 --> 01:02:52.679 Isn't that hard to believe that when we talk about 1253 01:02:54.440 --> 01:02:57.440 three to five hundred thousand, we're talking about bargains. Oh yeah, 1254 01:02:57.519 --> 01:03:00.199 anymore half a million bucks and a million dollar dollar 1255 01:03:00.880 --> 01:03:02.760 is not some outstanding home. 1256 01:03:03.480 --> 01:03:06.400 Sure, I mean I don't mean it like that. Of 1257 01:03:06.480 --> 01:03:09.719 course they're beautiful homes. I'm just saying that it doesn't 1258 01:03:09.800 --> 01:03:12.599 take much to have a million dollar home. Well, I 1259 01:03:12.719 --> 01:03:14.559 think that's crazy, Tom. 1260 01:03:14.639 --> 01:03:17.199 The great part is from twenty twelve a lot, even 1261 01:03:17.239 --> 01:03:18.880 with the market being a little soft this year, a 1262 01:03:18.920 --> 01:03:21.719 lot of sellers benefited from the years of record high appreciation. 1263 01:03:21.840 --> 01:03:22.880 So that's been a big plus. 1264 01:03:22.960 --> 01:03:25.880 And you know, whereas we used to see prices around 1265 01:03:25.920 --> 01:03:27.960 three hundred thousand, that was considered a pretty nice home. 1266 01:03:27.960 --> 01:03:30.239 Anymore, boy, I mean, now anymore you. 1267 01:03:30.320 --> 01:03:31.960 Get to that five hundred and five seventy five, that 1268 01:03:32.039 --> 01:03:34.920 tends to be the sweet spot now, all. 1269 01:03:34.880 --> 01:03:38.159 Right, So I mean it is what it is. Yeah. 1270 01:03:38.280 --> 01:03:41.000 Are we ever going to get a correction in real estate? 1271 01:03:41.440 --> 01:03:44.000 Or is that silly to even say? Well? I think 1272 01:03:44.199 --> 01:03:46.199 one thing, you know, Tom, better than anybody's. Real estate 1273 01:03:46.239 --> 01:03:48.639 goes in cycles. But I don't see yah. 1274 01:03:48.719 --> 01:03:51.920 But giant corrections are because the economy goes to crap. 1275 01:03:52.199 --> 01:03:55.559 You don't want that. But slight corrections now, and then 1276 01:03:55.960 --> 01:03:58.599 I don't see yeah, maybe slight. I don't see anything draft. 1277 01:03:58.719 --> 01:04:01.400 I mean unless something geo politically changes the game or something. 1278 01:04:01.800 --> 01:04:05.079 I don't see anything drastic coming anytime soon. I think actually, 1279 01:04:05.239 --> 01:04:08.360 this coming year, I'm expecting to see better numbers. Better 1280 01:04:08.480 --> 01:04:13.760 numbers mean in terms of stronger market and asation too. Yes, absolutely, 1281 01:04:13.840 --> 01:04:15.840 because I think we're going to see inventory drop and 1282 01:04:15.960 --> 01:04:16.920 inventory drop a bit. 1283 01:04:17.199 --> 01:04:20.840 Thank somebody else here says they're interested in fix and flips? 1284 01:04:22.519 --> 01:04:24.440 Is it even worth it right now? I mean, are 1285 01:04:24.519 --> 01:04:28.719 there bargains or Stephanie, are there bargains for fix and flips? 1286 01:04:29.639 --> 01:04:32.280 Not that I've seen that the kind of margins that 1287 01:04:32.360 --> 01:04:35.360 your typical investor wants, they want to walk in and 1288 01:04:36.320 --> 01:04:39.079 all in be at a much lower value than your 1289 01:04:39.159 --> 01:04:42.079 typical market value. And what a property even needing some 1290 01:04:42.239 --> 01:04:45.039 work with sell war on the market And. 1291 01:04:45.119 --> 01:04:50.719 Hey, uh Kitschina, did we reach out to Marco Bendinelli? 1292 01:04:51.000 --> 01:04:53.639 We have, we have, I haven't heard back from him yet. 1293 01:04:53.760 --> 01:04:56.079 Okay, thank you for telling me. We have more coming 1294 01:04:56.159 --> 01:04:58.400 up on the Troubleshooter Show three zero three, seven to one, 1295 01:04:58.440 --> 01:05:01.639 three Talk seven to one, three two five eight eight 1296 01:05:01.719 --> 01:05:02.800 eight Heating dot Com. 1297 01:05:03.239 --> 01:05:07.480 Remember high efficiency units there, especially if your units fifteen 1298 01:05:07.519 --> 01:05:10.440 are especially twenty years, you want to call them three 1299 01:05:10.480 --> 01:05:13.360 all three seven seven zero two seven seven six. 1300 01:05:18.320 --> 01:05:21.559 Go with a sure thing Denver's best roofer Excel Roofing 1301 01:05:21.679 --> 01:05:24.320 dot com. You don't pay a cent until you're content. 1302 01:05:27.679 --> 01:05:30.840 Time for an insurance check up free no obligation comparison 1303 01:05:31.000 --> 01:05:34.559 call Compass Insurance paying too much your coverage at dozens 1304 01:05:34.599 --> 01:05:37.320 of insurance companies find out now three oh three seven 1305 01:05:37.400 --> 01:05:37.880 seven to one. 1306 01:05:38.000 --> 01:05:38.239 Help. 1307 01:05:38.440 --> 01:05:41.079 You'll think you're his only customer when you choose Frank 1308 01:05:41.159 --> 01:05:43.559 durand the real estate Man dot com to list your 1309 01:05:43.639 --> 01:05:46.719 home with Remax Alliance three oh three nine two zero 1310 01:05:46.880 --> 01:05:57.239 sixteen twenty two. Hi, Tom Martino, your troubleshooter three oh 1311 01:05:57.320 --> 01:06:00.960 three seven one three Tom three zero three seven one 1312 01:06:01.039 --> 01:06:05.920 three eight two five five. So we're having a problem 1313 01:06:06.039 --> 01:06:10.800 Jim getting a malpractice attorney to talk to at this point, 1314 01:06:10.920 --> 01:06:12.840 But that doesn't mean we're going to give up. 1315 01:06:13.159 --> 01:06:18.119 Meanwhile, I think you should call You should call two 1316 01:06:18.239 --> 01:06:21.199 law firms until we get him on. 1317 01:06:21.320 --> 01:06:25.159 But Marco Bendinelli, it's Bendinelli Law, and I'm going to 1318 01:06:25.199 --> 01:06:25.840 give you that number. 1319 01:06:25.880 --> 01:06:32.199 It's eight one. It's easy to remember. One eight hundred attorney. Okay, okay, 1320 01:06:32.920 --> 01:06:36.119 and then the other one would be go ahead, sir, 1321 01:06:37.239 --> 01:06:37.800 I wanted. 1322 01:06:37.599 --> 01:06:39.760 To give you one more piece of information on that. 1323 01:06:40.360 --> 01:06:42.960 You know we were talking about proven this is malpractice 1324 01:06:42.960 --> 01:06:45.400 and this type of thing. Well, what if the doctor 1325 01:06:45.519 --> 01:06:48.639 walked into my son's room, which you did, and my 1326 01:06:48.800 --> 01:06:53.280 son is also a journalist and he writes uh profiles 1327 01:06:53.320 --> 01:06:57.599 for people's businesses. Well, he had his recorder on the 1328 01:06:57.719 --> 01:07:01.800 doctor that did disiblation, who is not certified to do it, 1329 01:07:01.960 --> 01:07:04.480 because we have we have special training for you. 1330 01:07:04.760 --> 01:07:07.960 Go with a sure thing Denver's Best roofer Excel Roofing 1331 01:07:08.039 --> 01:07:10.679 dot com. You don't pay a cent until you're content, 1332 01:07:12.280 --> 01:07:16.519 wait time for an insurance check up free, no obligation. 1333 01:07:16.559 --> 01:07:20.400 In comparison, call Compass Insurance paying too much your coverage 1334 01:07:20.440 --> 01:07:23.079 at dozens of insurance companies find out now three all 1335 01:07:23.159 --> 01:07:25.559 three seven seven to one help. You'll think you're his 1336 01:07:25.760 --> 01:07:28.360 only customer when you choose Frank durand the real estate 1337 01:07:28.440 --> 01:07:31.639 Man dot com to list your home with Remax Alliance 1338 01:07:31.920 --> 01:07:34.199 three oh three nine two zero sixteen twenty two. 1339 01:07:35.079 --> 01:07:44.360 Yeah, ripped, that's who. 1340 01:07:44.480 --> 01:07:45.280 You don't have to. 1341 01:07:47.280 --> 01:07:52.280 Come run in susas as we can Shooter's gonna help. 1342 01:07:52.559 --> 01:07:58.639 Come is the Troubleshooter Show. No Tom Martine. 1343 01:07:58.960 --> 01:08:01.000 Hey, I'm Tom Martin. You know, welcome to the show. 1344 01:08:01.119 --> 01:08:03.559 Three O three seven one three talk seven one three 1345 01:08:04.000 --> 01:08:08.039 eight two five five. I'm at the home studio. Marks 1346 01:08:08.079 --> 01:08:09.519 at the home studio. Can see them there on the 1347 01:08:09.599 --> 01:08:11.960 lower right screen if you're streaming. And then we have 1348 01:08:12.320 --> 01:08:17.399 Stephanie Thomas from the Colorado Springs area, and Frank durand 1349 01:08:17.439 --> 01:08:20.560 the real estate man dot com Stephanie Ari or Stephanieri 1350 01:08:20.760 --> 01:08:21.119 dot com. 1351 01:08:21.359 --> 01:08:22.800 Hey, we're talking real estate. 1352 01:08:22.840 --> 01:08:25.920 We're talking anything on your mind, anything that you'd like 1353 01:08:26.039 --> 01:08:29.800 to talk about. We're here to do and we will 1354 01:08:29.960 --> 01:08:35.760 try to solve your problems. Right now, we had this 1355 01:08:36.399 --> 01:08:41.640 issue with medical malpractice, and there's a strict limit to 1356 01:08:42.439 --> 01:08:45.880 discovery when it should have been discovered or when it 1357 01:08:46.680 --> 01:08:50.600 happened and should have been discovered, as if if any 1358 01:08:50.680 --> 01:08:53.279 medical professionals tell you they had a problem with it. 1359 01:08:53.720 --> 01:08:56.680 And he said when he went to Annshuetz. 1360 01:08:57.880 --> 01:09:00.760 That it was that the woman and said this should 1361 01:09:00.760 --> 01:09:03.199 have this doctor said it should have not been done. 1362 01:09:05.319 --> 01:09:07.720 That would be an outside date for me in my opinion, 1363 01:09:07.800 --> 01:09:10.680 but it's not a legal opinion. And I think that's 1364 01:09:10.720 --> 01:09:13.119 one of the problems he's going to have. He said 1365 01:09:13.159 --> 01:09:17.520 when he went there, his uh, his son had an 1366 01:09:17.560 --> 01:09:22.039 oblasion done to his intestines and it ruined. Well, he 1367 01:09:22.199 --> 01:09:27.439 has a bad, rare condition and it ruins the procedure 1368 01:09:27.520 --> 01:09:30.039 ruins something that caused him to have to go to 1369 01:09:30.159 --> 01:09:36.239 a colostomy for the rest of his life. So anyway, 1370 01:09:37.359 --> 01:09:39.479 what I want to know is when did that happen? 1371 01:09:39.720 --> 01:09:42.600 When did he go to ann Shoots. 1372 01:09:45.520 --> 01:09:53.399 April thirteenth, twenty two. That's what she did the Total Collectory, and. 1373 01:09:53.479 --> 01:09:58.960 That's when she told them this should have never been done. Great, 1374 01:10:00.159 --> 01:10:01.319 you're gonna have a tough time. 1375 01:10:03.920 --> 01:10:05.800 I mean, I don't I look at I don't know 1376 01:10:06.399 --> 01:10:08.520 that that should have been discovered is weird. 1377 01:10:08.920 --> 01:10:11.359 But you have two years and you're not going to 1378 01:10:11.399 --> 01:10:14.600 get an attorney in the in enough time. 1379 01:10:14.840 --> 01:10:16.920 I mean, you're already past two years from a time 1380 01:10:17.000 --> 01:10:19.760 a doctor mentioned you could have a problem there and 1381 01:10:20.000 --> 01:10:22.600 and it definitely should have been discovered during all of 1382 01:10:22.680 --> 01:10:26.640 those complications. So I mean, Jim, you're you're you're fighting 1383 01:10:26.720 --> 01:10:29.560 a losing battle of that's the case, and that's probably 1384 01:10:29.640 --> 01:10:30.680 why you can't get. 1385 01:10:30.520 --> 01:10:31.640 An attorney to take it. 1386 01:10:33.720 --> 01:10:39.079 Right, I mean, don't take me. I mean, you know, 1387 01:10:39.239 --> 01:10:43.520 don't don't go by what I say. But I'm telling 1388 01:10:43.600 --> 01:10:45.920 you that's going to be one of your biggest challenges. 1389 01:10:47.880 --> 01:10:50.000 Well, I was kind of hoping by being on your 1390 01:10:50.079 --> 01:10:54.680 show that maybe somebody heard online what was going on. 1391 01:10:55.159 --> 01:10:58.159 Was it an attorney, it could help. I think. 1392 01:10:58.439 --> 01:11:00.399 My only think that I can go to he's a 1393 01:11:00.479 --> 01:11:01.079 gofug me. 1394 01:11:02.800 --> 01:11:06.760 Yeah that's true, you know, to help him for the. 1395 01:11:06.760 --> 01:11:07.399 Rest of his life. 1396 01:11:07.560 --> 01:11:10.239 Is like, well, he's never going to get enough money 1397 01:11:10.279 --> 01:11:12.039 on GoFundMe for the rest of his life. 1398 01:11:12.239 --> 01:11:14.880 It's not going to happen. Let's just be honest about it. 1399 01:11:15.359 --> 01:11:17.640 He might get some spending money here and there, but 1400 01:11:17.800 --> 01:11:20.479 I've never heard of anybody getting enough money for the 1401 01:11:20.560 --> 01:11:23.279 rest of their lives, except in some rare cases I 1402 01:11:23.359 --> 01:11:26.239 believe where a police officer might have been shot or 1403 01:11:26.319 --> 01:11:29.079 something where and killed. Then he had the little kids. 1404 01:11:29.640 --> 01:11:32.960 But it's really difficult, Jim, I'm so sorry. 1405 01:11:33.399 --> 01:11:34.159 Is he married? 1406 01:11:35.800 --> 01:11:38.640 Is that he has a child a duty day? 1407 01:11:39.960 --> 01:11:42.479 Oh god? And he can't work right? 1408 01:11:43.920 --> 01:11:48.279 Well, yeah, he is working. He's working in a McDonald's 1409 01:11:49.640 --> 01:11:52.000 and they made Hi a general manager there, so that 1410 01:11:52.199 --> 01:11:53.800 you know, he doesn't have to be with the food 1411 01:11:53.880 --> 01:11:54.319 or anything. 1412 01:11:55.119 --> 01:11:55.920 But he's a. 1413 01:11:56.000 --> 01:11:58.079 Brilliant kid, you know, very good. 1414 01:11:58.640 --> 01:12:02.399 The way Jim is terrible, It's terrible. How's your daughter 1415 01:12:02.560 --> 01:12:03.760 faring with her disease? 1416 01:12:04.960 --> 01:12:08.199 Well, she still has a jay pouch, hasn't been destroyed. 1417 01:12:08.560 --> 01:12:12.000 She's got a really good doctor that takes care of her. 1418 01:12:12.239 --> 01:12:15.000 He doesn't go past what he's traded to do. I 1419 01:12:15.079 --> 01:12:19.279 mean this doctor Cavid and you know that apologized for 1420 01:12:19.479 --> 01:12:22.960 doing what he did. And he never was traded to 1421 01:12:23.119 --> 01:12:28.600 do the oblasion that he did. It had no certification 1422 01:12:28.840 --> 01:12:29.039 for it. 1423 01:12:32.199 --> 01:12:40.159 Okay, all right, Well I'm telling you man, it's uh, 1424 01:12:40.560 --> 01:12:41.439 it's just terrible. 1425 01:12:42.000 --> 01:12:45.239 If we find out something different, we'll let you know. 1426 01:12:46.600 --> 01:12:47.720 I appreciate it to. 1427 01:12:49.560 --> 01:12:51.920 And I'm sorry, bro, I'm really sorry. 1428 01:12:52.039 --> 01:12:52.199 You know. 1429 01:12:53.199 --> 01:12:57.479 Wow, People listen to this and thank you for calling people. Listen. 1430 01:12:57.720 --> 01:12:59.279 When it comes to malpractice. 1431 01:12:59.359 --> 01:13:04.279 I actually any injury you can't set you're right, and 1432 01:13:05.520 --> 01:13:09.399 the maultpractice thing that is the worst thing in the 1433 01:13:09.439 --> 01:13:16.239 world is you have to get another doctor that it's 1434 01:13:16.479 --> 01:13:24.439 absolutely necessary, absolutely necessary. So it's one of those things 1435 01:13:24.560 --> 01:13:28.399 that if you don't have it, you can't even file. 1436 01:13:31.399 --> 01:13:35.279 So that's one of the problems. Now, did you know, 1437 01:13:36.039 --> 01:13:38.399 I know you're going to find this shocking to believe. 1438 01:13:40.600 --> 01:13:42.279 Did you know that? 1439 01:13:42.760 --> 01:13:47.119 Listen to this, guys, listen to this. The health advice 1440 01:13:47.640 --> 01:13:53.680 on TikTok only two percent of it is accurate. Mark, 1441 01:13:53.720 --> 01:13:54.720 do you find that shocking? 1442 01:13:55.479 --> 01:14:01.399 Not only two percent of all of the health all 1443 01:14:01.600 --> 01:14:04.359 of the health advice given on time? 1444 01:14:04.439 --> 01:14:08.399 But who's that according to that's according to this group 1445 01:14:08.479 --> 01:14:12.520 of physicians who went on to police it, not police it, 1446 01:14:12.640 --> 01:14:15.560 but to look at it. And they say two percent. 1447 01:14:15.640 --> 01:14:18.840 Let me, I can get the name. They say two percent. 1448 01:14:20.000 --> 01:14:24.560 The study shows and it is a recent study. Oh 1449 01:14:24.640 --> 01:14:28.800 actually it was done by a fitness app which has 1450 01:14:29.760 --> 01:14:32.000 a number of doctors on their board and a number 1451 01:14:32.039 --> 01:14:36.239 of nutritional people and health professionals, and it's called my 1452 01:14:36.479 --> 01:14:39.760 Fitness Pal, which is an app, and they're the ones 1453 01:14:39.800 --> 01:14:43.439 that did the study and it was released let's see, 1454 01:14:44.079 --> 01:14:46.319 it was back in back in April. 1455 01:14:47.119 --> 01:14:47.840 They started it. 1456 01:14:49.880 --> 01:14:53.880 So they but you would not believe some of the 1457 01:14:54.000 --> 01:14:58.560 advice given, some crazy advice on TikTok on how to 1458 01:14:58.640 --> 01:15:02.359 stay healthy. And they say, not only is only two 1459 01:15:02.439 --> 01:15:05.800 percent of it accurate, but more than half of it 1460 01:15:06.159 --> 01:15:12.239 is dangerous, more than half of it. Do you think 1461 01:15:12.359 --> 01:15:18.119 people actually go on TikTok for health information? Truly, do 1462 01:15:18.359 --> 01:15:21.840 people actually go there and say, yeah, this is probably true? 1463 01:15:23.039 --> 01:15:24.359 On what to eat, what to. 1464 01:15:24.479 --> 01:15:31.000 Drink, how to exercise, diets that are supposedly for detoxing 1465 01:15:31.720 --> 01:15:35.319 or reducing a stomach fat, all kinds of stuff. 1466 01:15:36.319 --> 01:15:38.640 And I love the fact Kennedy is going to be 1467 01:15:38.720 --> 01:15:42.560 over you know, basically health in this country. 1468 01:15:42.880 --> 01:15:45.359 Are they actually putting him though in charge of the 1469 01:15:45.520 --> 01:15:46.199 fdaighty you know? 1470 01:15:46.880 --> 01:15:47.359 I think so. 1471 01:15:47.560 --> 01:15:50.319 It hasn't been done yet, but this is I'm not kidding. 1472 01:15:50.399 --> 01:15:55.399 One of these days. Google fruit loops Canada compared to 1473 01:15:55.520 --> 01:15:58.039 the ingredients and fruit loops sold in the US. 1474 01:15:58.560 --> 01:16:00.560 It is unbelievable difference. 1475 01:16:00.920 --> 01:16:04.319 Most countries have a lot of these chemicals in food 1476 01:16:04.479 --> 01:16:07.920 like fruit loops that are illegal in almost every other 1477 01:16:08.039 --> 01:16:09.119 first world country. 1478 01:16:09.199 --> 01:16:15.119 It's crazy, Tom Wow. So listen, speaking of healthy or unhealthy? 1479 01:16:16.479 --> 01:16:21.920 What do you think the most popular candy according to state? 1480 01:16:22.199 --> 01:16:22.239 Is? 1481 01:16:23.239 --> 01:16:29.439 Which candy has the most states? I don't know, you're saying, 1482 01:16:29.479 --> 01:16:31.840 what the hell you're asking? Okay, here's what I'm gonna say. 1483 01:16:32.600 --> 01:16:39.600 For example, Oklahoma, Kansas, and Colorado their favorite candy according 1484 01:16:39.680 --> 01:16:42.319 to sales. We want to take a guess what would 1485 01:16:42.319 --> 01:16:46.840 you say this, Frank dran Oh, I think Colorado, Colorado. Hu, 1486 01:16:47.199 --> 01:16:50.399 I think Colorado, but it spreads out to Kansas, and. 1487 01:16:50.600 --> 01:16:52.880 I'm gonna say Reeseis just because I likes hell. 1488 01:16:52.960 --> 01:16:56.439 No, it's Jolly Rancher. Isn't Jolly Rancher headquartered here? 1489 01:16:56.720 --> 01:16:57.319 I thought it was. 1490 01:16:57.439 --> 01:16:57.880 I don't know. 1491 01:16:58.279 --> 01:16:59.319 Jolly Rancher. 1492 01:17:00.039 --> 01:17:03.680 Dolly Rancher is the most popular candy. I can't stand it. 1493 01:17:04.039 --> 01:17:10.399 It's the most popular candy in Kansas and to Colorado 1494 01:17:11.000 --> 01:17:15.720 and Oklahoma. Now Reese's doesn't. I'm trying to find a 1495 01:17:15.840 --> 01:17:20.720 state where Reese's is the number one candy. You know what, Oh, Maine, 1496 01:17:21.439 --> 01:17:26.239 Reese's is the number one. Almond Joy sometimes you feel 1497 01:17:26.279 --> 01:17:36.039 like a nut Vermont in New Hampshire and Massachusetts Starburst, Oh, 1498 01:17:36.079 --> 01:17:39.920 almond Joy is also Rhode Island. So now listen, Candy 1499 01:17:40.039 --> 01:17:47.640 Kisses Pennsylvania. But what I don't understand is there's one, two, three, four, five? 1500 01:17:47.720 --> 01:17:52.000 Are they judging it by though sales by seven sell? 1501 01:17:52.399 --> 01:17:52.439 So? 1502 01:17:52.520 --> 01:17:55.760 In other words, they sell more Jolly Ranchers in Colorado 1503 01:17:55.920 --> 01:17:58.840 dollar wise then they do Hershey's bars. 1504 01:17:59.079 --> 01:18:02.840 Well, this is the study again that I'm looking up. 1505 01:18:03.039 --> 01:18:10.039 So you know, don't kill me. The messenger inner body analyzed. Oh, 1506 01:18:10.399 --> 01:18:14.359 they analyze sales and Google trends search data over a 1507 01:18:14.479 --> 01:18:17.720 year to identify the most popular candy in each state. 1508 01:18:18.119 --> 01:18:21.600 Here's the methodology. We set a twelve month time period 1509 01:18:22.239 --> 01:18:25.840 and then we used numerical search values to determine which 1510 01:18:25.920 --> 01:18:28.039 popular brands of candy were searched for most of the 1511 01:18:28.079 --> 01:18:31.359 time in each state and combine that with sales data 1512 01:18:31.600 --> 01:18:35.479 and came up with they say the most popular say 1513 01:18:35.520 --> 01:18:39.560 they don't actually say that they outsold, but they say 1514 01:18:39.640 --> 01:18:42.720 that was one of the factors, along with search data 1515 01:18:43.079 --> 01:18:45.520 and information. But here's what I don't understand. 1516 01:18:46.199 --> 01:18:47.000 Blow pop. 1517 01:18:47.279 --> 01:18:49.319 Have you ever even heard of a blowph? Is that 1518 01:18:49.560 --> 01:18:53.159 like the bubblegum inside of a Yeah? Okay, that's a 1519 01:18:53.279 --> 01:18:58.560 favorite in one, two, three, four, five, six, seven states. Blowpop, 1520 01:18:59.600 --> 01:19:06.880 Snicker is in Montana, Skittles Nevada, And of course California 1521 01:19:07.039 --> 01:19:13.720 is Sour Punch California, and Sour Punch is Texas. So 1522 01:19:13.960 --> 01:19:18.800 it appeals to both progressives and conservatives. Oh and actually, 1523 01:19:19.359 --> 01:19:24.000 sour Patch is way up in Idaho. I think that's Idaho. No, 1524 01:19:24.119 --> 01:19:25.159 that's no, sorry, that's not. 1525 01:19:25.399 --> 01:19:27.920 These must be mostly that Google search part of it, 1526 01:19:28.000 --> 01:19:31.840 because I mean, like reesis outsells, like every candy in 1527 01:19:31.920 --> 01:19:32.920 the entire world. 1528 01:19:34.000 --> 01:19:37.399 Is Reese's the number one cellar everywhere? I mean in 1529 01:19:38.039 --> 01:19:41.920 candy Rieses is Yeah, well, according to what I'm looking at. 1530 01:19:41.920 --> 01:19:45.399 Yes, really, peanut butter chocolate frank Top. How could you 1531 01:19:45.479 --> 01:19:47.239 go wrong though with peanut butter and chocolate. 1532 01:19:47.439 --> 01:19:49.560 No, the best candy in the world. I don't care 1533 01:19:49.640 --> 01:19:54.000 what you say. Malted milk balls like those, they're the 1534 01:19:54.119 --> 01:19:57.880 best in the world. Whoppers can't do better. Okay, let's 1535 01:19:57.920 --> 01:19:59.920 get back to real estate. I got this three old 1536 01:20:00.079 --> 01:20:02.520 three seven to one. Three talks are number, by the way, 1537 01:20:02.560 --> 01:20:10.319 But I have a text here about rentals. You don't 1538 01:20:10.359 --> 01:20:13.600 know much about rental state the renter's market right now. 1539 01:20:13.640 --> 01:20:15.720 Anybody want to weigh in on it at all? Somebody 1540 01:20:15.800 --> 01:20:18.199 wants to know, is there any. 1541 01:20:18.079 --> 01:20:20.399 Hope for that? I think it's getting cheaper. 1542 01:20:20.520 --> 01:20:20.640 Man. 1543 01:20:20.720 --> 01:20:24.079 There's a lot of apartments coming online in Denver Metro. 1544 01:20:25.600 --> 01:20:27.520 Really, what do you think that's from? 1545 01:20:28.399 --> 01:20:30.479 Well, I mean they're building them. My god, look at 1546 01:20:30.520 --> 01:20:34.840 our studio. Just look around. There's they're building apartments left 1547 01:20:34.880 --> 01:20:35.239 and right. 1548 01:20:36.279 --> 01:20:38.960 Guys, somebody else wants to know. Have you ever sold 1549 01:20:39.239 --> 01:20:43.279 a home for someone who simply wants to do a 1550 01:20:43.399 --> 01:20:47.039 bed and breakfast. Have any of you ever gotten involved 1551 01:20:47.039 --> 01:20:48.159 in that? Not personally. 1552 01:20:48.199 --> 01:20:50.199 I have a very good contact who's been in the 1553 01:20:50.199 --> 01:20:53.640 business vacation homes man, and he specializes more than that. 1554 01:20:53.760 --> 01:20:55.680 So for those types of things I refer over to 1555 01:20:55.840 --> 01:20:56.760 a gentleman I've known. 1556 01:20:56.640 --> 01:20:59.960 For So for vacation homes by owner, that must be 1557 01:21:00.800 --> 01:21:03.279 Is that a pretty big market in the metro areas 1558 01:21:03.359 --> 01:21:04.520 or is that more in the mountains. 1559 01:21:04.560 --> 01:21:07.399 I don't, honestly out here, I'd never deal with it. 1560 01:21:08.000 --> 01:21:09.800 I've referred it out more than anything. 1561 01:21:10.840 --> 01:21:12.560 Yeah, it's not something that I deal with, but I 1562 01:21:12.640 --> 01:21:15.760 do come across them more in the mountain communities. So 1563 01:21:15.960 --> 01:21:19.720 out west of Colorado Springs Park County, I definitely see, 1564 01:21:19.960 --> 01:21:22.800 you know, people who have looked for and I've helped 1565 01:21:22.800 --> 01:21:26.239 people purchase properties that they intended to utilize for like 1566 01:21:26.319 --> 01:21:27.239 short term rentals. 1567 01:21:28.159 --> 01:21:31.720 Did I take the fifteen Shannon or or I'm sorry, 1568 01:21:32.960 --> 01:21:36.000 we have dragon now, okay, so let me do that 1569 01:21:36.199 --> 01:21:38.520 three oh three, seven to one to three talk or 1570 01:21:38.560 --> 01:21:40.439 three oh three Martino, three oh three. 1571 01:21:42.359 --> 01:21:44.800 Sixty seven eight four sixty six. We got more coming 1572 01:21:44.880 --> 01:21:45.199 right up? 1573 01:21:49.960 --> 01:21:53.199 Go with a sure thing Denver's best roofer Excel Roofing 1574 01:21:53.319 --> 01:21:53.720 dot com. 1575 01:21:53.920 --> 01:21:59.039 You don't pay a cent until you're content top of it. 1576 01:21:59.319 --> 01:22:02.479 Time for a natureurants check up free, no obligation. In comparison, 1577 01:22:02.640 --> 01:22:06.199 call Compass Insurance paying too much your coverage at dozens 1578 01:22:06.199 --> 01:22:08.960 of insurance companies find out now three all three seven 1579 01:22:09.039 --> 01:22:11.840 seven to one help. You'll think you're his only customer 1580 01:22:11.880 --> 01:22:14.079 when you choose Frank durand the real estate Man dot 1581 01:22:14.199 --> 01:22:17.479 com to list your home with Remax Alliance three all 1582 01:22:17.520 --> 01:22:22.880 three nine two zero sixteen twenty two. Hi Tom Martino, 1583 01:22:23.600 --> 01:22:26.920 your troubleshooter three all three seven one three talks seven 1584 01:22:26.960 --> 01:22:30.279 one three eight two five five All right, so texting 1585 01:22:30.399 --> 01:22:34.960 me seven four seven nine nine nine fifty two eighty. 1586 01:22:35.720 --> 01:22:37.439 Nonwo The reason I have that number seven four seven 1587 01:22:37.439 --> 01:22:38.039 is an aeroplane. 1588 01:22:38.079 --> 01:22:40.439 I love it nine nine nine I don't know, just 1589 01:22:40.600 --> 01:22:43.079 like it anyway, fifty two eighty the Male High City. 1590 01:22:43.119 --> 01:22:45.119 So seven four seven nine nine nine fifty two eighty 1591 01:22:45.159 --> 01:22:47.319 you can text me. One of the texts here has 1592 01:22:47.399 --> 01:22:54.479 to do with interest rates. So, uh, Frank, you mentioned 1593 01:22:54.520 --> 01:22:58.520 something about you expect interest rates to steadily fall a bit. 1594 01:22:59.239 --> 01:23:01.520 Yeah, I think the plant well, hopefully, and we'll see 1595 01:23:01.520 --> 01:23:03.159 how this shapes up. But right now there's a lot 1596 01:23:03.239 --> 01:23:05.319 of talk that they're going to be gradually dropping throughout 1597 01:23:05.359 --> 01:23:05.640 the year. 1598 01:23:06.119 --> 01:23:09.960 It depends on what inflation does true now and job reports. 1599 01:23:10.479 --> 01:23:13.199 Some people say, now again, you know, I love how 1600 01:23:14.079 --> 01:23:19.680 anticipation uh comes into play here. But the lamestream media 1601 01:23:19.760 --> 01:23:22.479 has been talking about how Trump's going to ruin the 1602 01:23:22.560 --> 01:23:25.399 economy because of his tariffs and stuff, and how that's 1603 01:23:25.439 --> 01:23:28.640 going to cause massive inflation and a problem. 1604 01:23:30.079 --> 01:23:33.039 Again, what do you think the game is? 1605 01:23:33.279 --> 01:23:37.239 Because really, truly tariffs will be passed on to consumers, Mark, 1606 01:23:37.600 --> 01:23:40.439 you agree with that. I mean it's gonna it's gonna 1607 01:23:40.479 --> 01:23:42.439 cause more expense. 1608 01:23:42.560 --> 01:23:44.319 I don't think a lot of tariffs are going to 1609 01:23:44.399 --> 01:23:46.600 end up being put in place because I. 1610 01:23:46.600 --> 01:23:48.640 Think you think it's more of a threat to play ball. 1611 01:23:49.359 --> 01:23:51.479 You think it's more of a threat, right, Yeah, but 1612 01:23:51.840 --> 01:23:54.039 you know there's places we pay tariffs too. 1613 01:23:54.159 --> 01:23:55.960 I mean, I think fair is fair. 1614 01:23:58.600 --> 01:24:01.880 Yeah, they and and what he's hoping to do is stimulate, 1615 01:24:02.439 --> 01:24:04.079 of course, American production. 1616 01:24:05.600 --> 01:24:05.800 Yeah. 1617 01:24:05.840 --> 01:24:10.159 So do you guys notice though directly, do you guys 1618 01:24:10.319 --> 01:24:14.680 notice both Stephanie and Frank in real estate a direct 1619 01:24:14.760 --> 01:24:19.199 correlation between interest rates and activities in buying and selling homes. 1620 01:24:19.560 --> 01:24:22.560 Oh absolutely, I mean beyond a shadow of doubt. 1621 01:24:22.720 --> 01:24:23.800 Yeah, I think, you know. 1622 01:24:24.439 --> 01:24:27.199 I think when people when all people hear is how 1623 01:24:27.319 --> 01:24:30.720 high everything is, and how you know, affordability is a 1624 01:24:30.880 --> 01:24:33.279 concern and this and that, I think people pull away 1625 01:24:33.319 --> 01:24:34.079 from purchasing. 1626 01:24:34.560 --> 01:24:36.840 I think when they start to feel, you know, when. 1627 01:24:36.800 --> 01:24:39.359 Things come down and all of a sudden it is 1628 01:24:39.479 --> 01:24:41.880 more affordable to purchase, I think people are more apt 1629 01:24:41.920 --> 01:24:43.079 to come out and make a purchase. 1630 01:24:44.439 --> 01:24:48.880 Frank, And you found an absolute correlation, right sure. And 1631 01:24:49.159 --> 01:24:51.520 of course applying to man, Tom, you know that affects 1632 01:24:51.560 --> 01:24:52.479 it more than anything else. 1633 01:24:52.520 --> 01:25:00.199 And I think ultimately I'm seeing more optimism going forward ward. 1634 01:25:01.600 --> 01:25:02.159 You do, I do. 1635 01:25:02.560 --> 01:25:05.159 From the election, Tom, I talked to people every day 1636 01:25:05.359 --> 01:25:08.560 and I hear a lot of optimism just in their voice. Sometimes, people, though, 1637 01:25:08.680 --> 01:25:11.000 and this is just my opinion, make the mistake of saying, well, 1638 01:25:11.199 --> 01:25:13.640 I'm gonna wait till the hot time of year like 1639 01:25:13.800 --> 01:25:16.720 the fall, or I'm not the fall in the springtime. 1640 01:25:17.159 --> 01:25:18.680 And I always tell them, guys, base it on when 1641 01:25:18.720 --> 01:25:21.079 it's best for you, because if you waited out just 1642 01:25:21.199 --> 01:25:23.479 like this last year, people will call me in January. Hey, Frank, 1643 01:25:23.520 --> 01:25:26.039 should I sell my home in May? The problem with 1644 01:25:26.159 --> 01:25:28.399 that is who knows what's going to happen in the future. 1645 01:25:28.439 --> 01:25:30.520 And this year something we got a curveball. We end 1646 01:25:30.600 --> 01:25:32.319 up peeking in April instead of May, and June July 1647 01:25:32.399 --> 01:25:34.560 we end up going down. So I always say, guys, 1648 01:25:34.600 --> 01:25:36.039 always base it on when it's good for you and 1649 01:25:36.119 --> 01:25:37.960 what it's good timing for your personal situation. 1650 01:25:38.159 --> 01:25:41.359 But in general, if someone's looking to list a house, 1651 01:25:41.960 --> 01:25:43.720 when should they do it right now? I mean should 1652 01:25:43.720 --> 01:25:46.680 they wait for I think people are distracted right now. 1653 01:25:46.920 --> 01:25:49.239 I don't want to take listings away from you, guys, 1654 01:25:49.279 --> 01:25:51.079 but what do you think as far as the best 1655 01:25:51.159 --> 01:25:54.680 time to list? Well, Tom, here's the thing. I would say, 1656 01:25:54.720 --> 01:25:57.880 the best time is when it's good for you because. 1657 01:25:57.920 --> 01:25:59.439 Here's what I mean. Here's what I mean by that, 1658 01:25:59.520 --> 01:26:01.159 based on your individual need. 1659 01:26:01.279 --> 01:26:03.680 Because my gosh, if you say, well, I'm going to 1660 01:26:03.720 --> 01:26:05.279 wait till May, look what happened last May. 1661 01:26:05.560 --> 01:26:06.720 You know the market went down. 1662 01:26:06.800 --> 01:26:08.920 Okay, Now with that being said, this is the nice 1663 01:26:08.920 --> 01:26:10.359 part is we keep our hand on the pulse of 1664 01:26:10.399 --> 01:26:12.560 the market. We keep our people updated what's happening, so 1665 01:26:12.680 --> 01:26:14.520 we can let you know Hey, this is what we 1666 01:26:14.600 --> 01:26:15.720 see coming down the pipe here. 1667 01:26:16.000 --> 01:26:17.520 This is what's happening with supply and demand. 1668 01:26:17.560 --> 01:26:19.760 Right now, we're sitting around three point six months of inventory, 1669 01:26:19.800 --> 01:26:21.479 so we keep you informed in all those things. 1670 01:26:22.079 --> 01:26:25.560 Okay, and Stephanie, you'd agree that there but but there 1671 01:26:25.760 --> 01:26:27.760 certainly are times of the year though. 1672 01:26:28.039 --> 01:26:32.039 That people shop typically typically, right Stephanie, Yeah, not now. 1673 01:26:32.199 --> 01:26:34.159 But one thing that you have to remember is the 1674 01:26:34.600 --> 01:26:37.720 typical times to you know that people think they need 1675 01:26:37.760 --> 01:26:40.039 to put their home on the market the spring, but 1676 01:26:40.119 --> 01:26:42.800 everyone else thinks the same thing, so you have more competition. 1677 01:26:42.920 --> 01:26:46.000 Oh okay, okay, So I agree with Frank. You know, 1678 01:26:46.199 --> 01:26:47.920 you have to put on the market when it's best 1679 01:26:47.960 --> 01:26:48.159 for you. 1680 01:26:48.479 --> 01:26:51.359 I also keep my clients very informed on market conditions, 1681 01:26:51.720 --> 01:26:54.680 and I think one really important thing to remember is, 1682 01:26:55.079 --> 01:26:57.680 you know, where we have a couple of months of inventory, 1683 01:26:57.840 --> 01:26:59.439 I mean, Springs is the same. You know, it's a 1684 01:26:59.439 --> 01:27:03.079 little over three months of inventory right now. That's really 1685 01:27:03.199 --> 01:27:06.920 more balanced. You know, it's not the extreme seller's market. 1686 01:27:07.039 --> 01:27:09.159 We're not slipped on the other side yet where it's 1687 01:27:09.239 --> 01:27:12.359 the buyer's market. So in a balanced market, it's not 1688 01:27:12.479 --> 01:27:14.960 abnormal to market your home for a couple of months. 1689 01:27:15.079 --> 01:27:15.920 Do you think that. 1690 01:27:18.039 --> 01:27:20.520 Oh wait, here's the question, where are people coming in from? 1691 01:27:22.479 --> 01:27:24.239 When you have people from out of state? Where are 1692 01:27:24.279 --> 01:27:24.840 they coming from? 1693 01:27:25.000 --> 01:27:27.560 Boy? Time they're coming from. Boy, they come from all over. 1694 01:27:27.640 --> 01:27:31.439 But here's the crazy part. A lot of the sellers 1695 01:27:31.479 --> 01:27:34.359 that contact me are the ones moving out of state. 1696 01:27:34.560 --> 01:27:37.439 I hear. I get a lot of that too. Where 1697 01:27:37.439 --> 01:27:38.439 are they going? All over? 1698 01:27:38.520 --> 01:27:42.039 We get Florida, I get Carolina's the other one is, 1699 01:27:42.199 --> 01:27:45.960 oh gosh, Texas. Yeah, Texas and also Kansas City. I've 1700 01:27:45.960 --> 01:27:48.000 had two in a row moving to Kansas City. Why 1701 01:27:48.079 --> 01:27:49.520 the hell would they move from here? 1702 01:27:49.600 --> 01:27:51.760 Yeah, I've seen some Virginia, but those have all been 1703 01:27:52.239 --> 01:27:53.359 like military transfers. 1704 01:27:54.079 --> 01:27:55.319 Yeah, it's all over the board. 1705 01:27:55.479 --> 01:27:58.600 Yeah, but I think I hear Florida and Texas have 1706 01:27:58.840 --> 01:28:00.560 some of the biggest influx of people. 1707 01:28:01.479 --> 01:28:02.039 Absolutely. 1708 01:28:02.399 --> 01:28:04.560 I know quite a few people who have gone, and 1709 01:28:04.640 --> 01:28:06.760 I even know a lot of agents who've gotten dual 1710 01:28:06.840 --> 01:28:08.359 licensing and working in. 1711 01:28:09.079 --> 01:28:12.279 People are still moving out of California more than they're 1712 01:28:12.319 --> 01:28:12.680 moving in. 1713 01:28:13.039 --> 01:28:15.560 They're having a net loss. And we have those two. 1714 01:28:15.720 --> 01:28:18.800 Tom and I had a really this was really unique. 1715 01:28:18.840 --> 01:28:21.560 I had a patio home for sale and a lady 1716 01:28:21.640 --> 01:28:24.600 calls me from I want to say North Carolina. Meete 1717 01:28:24.640 --> 01:28:26.640 was South anyway, it was one of the Carolinas. And 1718 01:28:26.840 --> 01:28:29.039 she says that she saw our ad online and I 1719 01:28:29.119 --> 01:28:30.279 thought at first it was a scam. 1720 01:28:30.439 --> 01:28:31.239 No, she was legit. 1721 01:28:31.319 --> 01:28:33.640 She flew all the way out here, paid cash, paid 1722 01:28:33.680 --> 01:28:35.239 like fifty grand more than everybody else. 1723 01:28:35.279 --> 01:28:37.760 Wanted this home so bad it was unreal. So I've 1724 01:28:37.800 --> 01:28:38.640 seen that happen too. 1725 01:28:39.199 --> 01:28:42.920 Now, somebody says, historically, if you really look at history, 1726 01:28:43.159 --> 01:28:46.279 anything less than seven percent is a good rate. 1727 01:28:47.600 --> 01:28:50.119 We've gotten spoiled, you know, that's one thing we sure have. 1728 01:28:50.560 --> 01:28:53.359 This guy said I paid nine point five percent when 1729 01:28:53.399 --> 01:28:56.680 I moved to Denver in the mid eighties. So basically 1730 01:28:56.720 --> 01:28:59.960 I agree with frank By. When you need to buy, 1731 01:29:01.000 --> 01:29:04.359 it's hard to time the market. And so as far 1732 01:29:04.439 --> 01:29:07.920 as the mortgage rates go, though, really there was a 1733 01:29:08.039 --> 01:29:12.239 time that six percent was a great rate, a great rate, 1734 01:29:12.439 --> 01:29:14.920 not just a good rate, a great rate, absolutely, And 1735 01:29:15.119 --> 01:29:17.439 now we're saying, oh, it's high as six or seven, 1736 01:29:17.960 --> 01:29:21.560 And I think that's because we were spoiled. 1737 01:29:21.640 --> 01:29:23.680 When did rates get down to three and four? What 1738 01:29:23.880 --> 01:29:25.920 cause that? Was it COVID or was it before that? 1739 01:29:26.279 --> 01:29:28.640 So it was before it was before that. Yeah, and 1740 01:29:28.760 --> 01:29:30.439 I think that was a little bit of. 1741 01:29:32.880 --> 01:29:37.520 An attempt, right, an attempt to stimulate, Yeah, to stimulate, 1742 01:29:38.000 --> 01:29:40.079 And I don't know that that really worked, to be honest, 1743 01:29:40.640 --> 01:29:43.000 you know. And the funny thing is this, this is 1744 01:29:43.000 --> 01:29:44.600 what's a crazy thing is Stephanie, you know what I'm 1745 01:29:44.600 --> 01:29:48.479 talking about. When the rates were low, buyers were paying 1746 01:29:48.520 --> 01:29:50.800 through the roof for real estate, so they were getting 1747 01:29:50.800 --> 01:29:52.840 a little rate, but they were bidding sometimes eighty one 1748 01:29:52.920 --> 01:29:55.439 hundred grand over asking on some of them. Now that 1749 01:29:55.560 --> 01:29:58.000 the price of soft and there's more inventory, yeah, rates 1750 01:29:58.000 --> 01:30:00.000 are a bit higher. But also now, Luke, what's happened. 1751 01:30:00.119 --> 01:30:02.840 Sellers are more flexible towards paying towards three two one 1752 01:30:02.840 --> 01:30:05.039 by downs two to one by downs pain towards buyer's 1753 01:30:05.079 --> 01:30:05.640 closing costs. 1754 01:30:05.640 --> 01:30:06.880 So there's a balance to the whole thing. 1755 01:30:07.439 --> 01:30:09.680 Okay, we have more coming up on the Troubleshooter Show. 1756 01:30:09.760 --> 01:30:12.279 Three oh three seven one three A two five five 1757 01:30:18.359 --> 01:30:21.600 Go with a sure thing Denver's Best Roofer Excel Roofing 1758 01:30:21.720 --> 01:30:22.119 dot com. 1759 01:30:22.319 --> 01:30:24.359 You don't pay a cent until you're content. 1760 01:30:27.720 --> 01:30:30.880 Time for an insurance check up, free no obligation comparison 1761 01:30:31.039 --> 01:30:34.600 call compass insurance pay too much your coverage at dozens 1762 01:30:34.600 --> 01:30:35.600 of insurance companies. 1763 01:30:35.720 --> 01:30:37.920 Find out Now three oh three seven seven to one. 1764 01:30:38.039 --> 01:30:40.880 Help You'll think you're his only customer when you choose 1765 01:30:40.880 --> 01:30:43.359 Frank durand the real estate man dot com to list 1766 01:30:43.439 --> 01:30:46.520 your home with Remax Alliance three oh three nine two 1767 01:30:46.600 --> 01:30:53.520 zero sixteen twenty two. Hi Tom Martino here three oh 1768 01:30:53.600 --> 01:30:58.600 three seven one three talk seven one three eight two 1769 01:30:58.840 --> 01:31:03.960 five five. Okay, So my daughter brought me something just 1770 01:31:04.319 --> 01:31:07.960 a little while ago. It's a tea but and it 1771 01:31:08.039 --> 01:31:09.960 has a big straw in it. I thought, okay, I'll 1772 01:31:10.000 --> 01:31:13.199 try it. And I took a sip of it and 1773 01:31:13.279 --> 01:31:15.840 a bunch of like slimy things went into my mouth. 1774 01:31:17.079 --> 01:31:23.079 And it's like slimy things like, uh, I don't know, 1775 01:31:23.239 --> 01:31:28.680 jelly stuff. It's called boba boba ta. You've had boba 1776 01:31:28.760 --> 01:31:30.199 t before, Stephanie. 1777 01:31:29.880 --> 01:31:30.600 My God's safe. 1778 01:31:30.600 --> 01:31:31.000 No, not me. 1779 01:31:31.159 --> 01:31:34.119 My daughter loves it, though my son loves that stuff too. 1780 01:31:34.159 --> 01:31:36.319 It's I you don't get it. I mean, I mean, 1781 01:31:36.359 --> 01:31:39.239 what is that? What are those things? Those round circles, 1782 01:31:39.279 --> 01:31:45.800 the little huh slime ball. I thought that they don't 1783 01:31:45.840 --> 01:31:48.279 really have they they take on kind of the flavor 1784 01:31:48.319 --> 01:31:51.159 of the they say they take on kind of the 1785 01:31:51.239 --> 01:31:54.920 flavor of tea. But but it's weird. 1786 01:31:55.000 --> 01:31:57.880 It's the weirdest thing because I wasn't expecting it, and 1787 01:31:58.000 --> 01:31:58.479 I suck it. 1788 01:31:58.520 --> 01:32:00.560 Up the straw and I feel all these sloy things 1789 01:32:00.600 --> 01:32:01.159 in my mouth. 1790 01:32:02.199 --> 01:32:05.359 Anyway, three zero three seven to one to three talks 1791 01:32:05.399 --> 01:32:10.399 seven one three eight two five five. Somebody said that 1792 01:32:11.239 --> 01:32:14.000 they remember when rates were fourteen percent for mortgages. 1793 01:32:14.079 --> 01:32:16.600 Yeah, that happened. When did that happen? 1794 01:32:16.680 --> 01:32:19.079 By the way, I mean, I I kind of remember that, 1795 01:32:19.479 --> 01:32:24.439 like late eighties, I'm saying now, But I remember also 1796 01:32:26.359 --> 01:32:28.399 back in the day when it was got down to 1797 01:32:28.479 --> 01:32:32.000 six percent, five and a half to six ideal home loans, 1798 01:32:32.079 --> 01:32:35.159 great company. They were bragging about, Hey, rates have never 1799 01:32:35.279 --> 01:32:35.720 been better. 1800 01:32:36.159 --> 01:32:38.760 Remember that. Yeah, and then we got down to two 1801 01:32:38.880 --> 01:32:40.720 or three percent. Mark didn't know. 1802 01:32:41.000 --> 01:32:42.960 I think he stepped away, But I think there was 1803 01:32:43.039 --> 01:32:48.359 one time that Mark literally had a two point something 1804 01:32:48.479 --> 01:32:52.760 two point seventy five percent or something. What's the lowest 1805 01:32:52.800 --> 01:32:54.800 that you saw when you were selling homes? What's the 1806 01:32:54.880 --> 01:32:55.760 lowest you saw. 1807 01:32:56.039 --> 01:32:56.720 In the threes? 1808 01:32:57.560 --> 01:33:00.199 In the threes, I'd say in the threes because people 1809 01:33:00.199 --> 01:33:02.119 were refinancing like crazy, Tom at that time. 1810 01:33:02.600 --> 01:33:05.359 Yeah, I've seen some people refinance into the twos, but 1811 01:33:05.439 --> 01:33:08.279 those were like A va no, yeah, they can go in. 1812 01:33:08.319 --> 01:33:13.119 And get really good. If can somebody help me here? Dragon? 1813 01:33:14.319 --> 01:33:18.359 This text said, why do people keep saying that Republicans 1814 01:33:18.439 --> 01:33:19.560 run the House and the Senate? 1815 01:33:19.600 --> 01:33:20.800 The House is still up for grabs? 1816 01:33:20.880 --> 01:33:21.279 Is that right? 1817 01:33:21.359 --> 01:33:23.840 Not up for grabs? It's done, dude, Frank, Okay, so 1818 01:33:23.960 --> 01:33:28.279 you're there, Mark? Okay, thank you. Hey, So what is 1819 01:33:28.359 --> 01:33:30.000 the margin? Well? 1820 01:33:30.239 --> 01:33:33.079 I think in nineteen right now to nineteen, but it's 1821 01:33:33.119 --> 01:33:35.319 going to be probably two twenty one. 1822 01:33:35.399 --> 01:33:37.960 They had to have two eighteen. In fact, really where 1823 01:33:38.000 --> 01:33:42.560 the money is, it'll be two twenty two. Okay. 1824 01:33:43.039 --> 01:33:47.840 Now I asked this. You were not in your seat 1825 01:33:47.840 --> 01:33:50.159 when I asked. Have you ever had Boba t Mark? 1826 01:33:51.279 --> 01:33:53.000 Uh No, but I've bought it. 1827 01:33:53.439 --> 01:33:56.079 I've seen Suzanne have it, but she didn't like it, 1828 01:33:56.199 --> 01:33:58.159 but Addie likes it. It's those balls. 1829 01:33:59.000 --> 01:34:02.479 We should call it slimy ball tea. Hey, Amanda, what's 1830 01:34:02.520 --> 01:34:09.000 going on with you? Welcome o, Hi, hi Amanda? What's 1831 01:34:09.039 --> 01:34:09.279 going on? 1832 01:34:10.319 --> 01:34:15.680 I lived in an apartment complex in Colorado. I gave 1833 01:34:15.760 --> 01:34:17.920 them my security deposit. 1834 01:34:19.199 --> 01:34:20.000 And they moved out. 1835 01:34:20.279 --> 01:34:23.119 They sent me the stable letter saying that they would 1836 01:34:23.159 --> 01:34:25.239 send me my deposit, and. 1837 01:34:25.279 --> 01:34:29.600 They told me that the check was mild in September. 1838 01:34:29.760 --> 01:34:32.359 September thirteenth, When did you move out, Amanda? 1839 01:34:34.479 --> 01:34:40.159 I moved out to the end of July. July twenty seventh. Okay, 1840 01:34:40.359 --> 01:34:42.880 this wasn't up until August third. 1841 01:34:43.479 --> 01:34:47.039 Well hold on a sec now, okay, Oh, well July August. 1842 01:34:47.119 --> 01:34:52.239 But you paid through the end of the lease, right, correct? Okay, Well, 1843 01:34:52.279 --> 01:34:57.359 that's all it matters. You didn't owe anything, right, No, sir? Okay, 1844 01:34:57.720 --> 01:35:00.319 So if you ended the lease at the end of July, 1845 01:35:01.079 --> 01:35:06.159 they had at the most sixty days to send you 1846 01:35:06.359 --> 01:35:10.880 the deposit and an explanation. They just sent you an explanation, 1847 01:35:11.079 --> 01:35:11.760 Is that right. 1848 01:35:13.439 --> 01:35:13.840 Correct? 1849 01:35:14.399 --> 01:35:17.520 When did they send you the explanation that you were 1850 01:35:17.560 --> 01:35:18.640 going to get your deposit? 1851 01:35:21.000 --> 01:35:25.720 I believe it was dated eighty four, so August fourth, 1852 01:35:27.239 --> 01:35:29.640 that's weird and so so. 1853 01:35:30.319 --> 01:35:32.880 And on the fourth they said you will be getting 1854 01:35:32.920 --> 01:35:34.359 your deposit, but you never got it. 1855 01:35:36.439 --> 01:35:36.800 Correct. 1856 01:35:37.319 --> 01:35:39.439 Did they say they were going to be withholding any 1857 01:35:39.520 --> 01:35:45.359 of it? No, sir, But they claim they sent it mail. 1858 01:35:45.600 --> 01:35:47.800 But they claim they sent it. Is that correct? 1859 01:35:49.640 --> 01:35:50.000 Correct? 1860 01:35:52.319 --> 01:35:53.920 And when do they say they sent it? 1861 01:35:56.319 --> 01:35:57.359 September thirteenth? 1862 01:35:57.520 --> 01:36:02.439 The check was cut, so so August September. Yeah, they're 1863 01:36:02.800 --> 01:36:06.439 making it so, so that would be August September. The 1864 01:36:06.640 --> 01:36:10.520 check was cut, and that doesn't matter. You didn't get it. 1865 01:36:10.680 --> 01:36:13.039 Did you leave a forwarding address? Where did they say 1866 01:36:13.119 --> 01:36:13.680 they sent it? 1867 01:36:16.600 --> 01:36:19.399 I left on the forwarding address, and they said that 1868 01:36:19.520 --> 01:36:22.840 they sent it to the forwarding address. But I never 1869 01:36:23.079 --> 01:36:24.279 got a check from them. 1870 01:36:24.880 --> 01:36:28.840 I received the move out statement with the amount. 1871 01:36:29.960 --> 01:36:32.800 That they would be paying me to my boarding address, 1872 01:36:33.199 --> 01:36:34.479 but no check ever came. 1873 01:36:35.600 --> 01:36:39.199 So you did wait a minute. So in September you 1874 01:36:39.399 --> 01:36:40.880 did get a statement. 1875 01:36:42.399 --> 01:36:45.079 Correct, stating that they would return my deposit. 1876 01:36:45.600 --> 01:36:48.119 Oh no, that was you got that one though in August, 1877 01:36:49.319 --> 01:36:54.239 But as far as September, you never got anything from them. 1878 01:36:54.359 --> 01:36:55.000 Is that correct? 1879 01:36:56.760 --> 01:36:57.119 Correct? 1880 01:36:57.720 --> 01:37:01.920 Okay? Did they claim? Okay, well, here's the easy part. 1881 01:37:02.000 --> 01:37:05.800 You might have difficulty getting treble damages or triple the amount. 1882 01:37:07.319 --> 01:37:09.319 But if they can. 1883 01:37:09.279 --> 01:37:12.920 See clearly that you did not cash a check, why 1884 01:37:12.960 --> 01:37:14.760 don't they just reissue it for you? 1885 01:37:17.399 --> 01:37:18.520 They're reasoning. 1886 01:37:18.840 --> 01:37:22.079 They told me that their corporate office is in Florida, 1887 01:37:22.720 --> 01:37:26.239 and their corporate office is looking into it, and they 1888 01:37:26.359 --> 01:37:31.560 cannot provide me with any information. The last thing that 1889 01:37:31.680 --> 01:37:35.279 they told me was their corporate office had been through 1890 01:37:35.920 --> 01:37:37.279 two major hurricanes. 1891 01:37:39.159 --> 01:37:42.840 Okay, okay, I don't think they ever sent it out. 1892 01:37:43.279 --> 01:37:45.560 I have some ideas. Hold on, I have some ideas. 1893 01:37:45.680 --> 01:37:53.039 Right after this, hold on, go with a sure thing 1894 01:37:53.199 --> 01:37:56.479 Denver's Best roofer Excel Roofing dot com. You don't pay 1895 01:37:56.520 --> 01:38:03.119 a cent until your content time for an insurance checkup free, 1896 01:38:03.239 --> 01:38:06.920 no obligation. In comparison, call Compass Insurance paying too much 1897 01:38:07.079 --> 01:38:10.000 your coverage at dozens of insurance companies find out now 1898 01:38:10.119 --> 01:38:11.600 three O three seven to seven to one. 1899 01:38:11.720 --> 01:38:11.960 Help. 1900 01:38:12.159 --> 01:38:14.800 You'll think you're his only customer when you choose Frank 1901 01:38:14.880 --> 01:38:17.279 Durand the real estate Man dot com to list your 1902 01:38:17.359 --> 01:38:21.000 home with Remax Alliance three three nine two zero sixteen 1903 01:38:21.039 --> 01:38:21.560 twenty two. 1904 01:38:23.520 --> 01:38:24.520 All right, I have some. 1905 01:38:24.640 --> 01:38:28.199 Ideas for Amanda, because this place is playing with her. 1906 01:38:28.840 --> 01:38:30.760 They sent her a notice on the fourth when she 1907 01:38:30.880 --> 01:38:33.119 moved out at the end of July. They sent notice 1908 01:38:33.159 --> 01:38:35.399 in August, and you're gonna get your deposit back. Here's 1909 01:38:35.439 --> 01:38:37.600 what you're gonna get. She never got it. They claim 1910 01:38:37.640 --> 01:38:40.119 they sent it out September thirteenth. But you see, the 1911 01:38:40.199 --> 01:38:43.319 burden is on them, not on her. And if she 1912 01:38:43.439 --> 01:38:45.640 never cashed it and they can't show a canceled check 1913 01:38:45.960 --> 01:38:49.720 and they won't even talk to her. I would literally 1914 01:38:49.880 --> 01:38:53.680 sue them for treble damages, saying they violated the law, 1915 01:38:54.279 --> 01:39:00.880 and then that will make them move off of dead Center. Now, Amanda, 1916 01:39:01.399 --> 01:39:06.079 you said you rented in Colorado. Are you out of Colorado? 1917 01:39:06.159 --> 01:39:06.319 Now? 1918 01:39:08.399 --> 01:39:09.760 Yes, sir, I go to Arizona. 1919 01:39:10.439 --> 01:39:10.640 Ah? 1920 01:39:11.399 --> 01:39:17.720 Okay, so yeah, Mark, do they allow telephonic small claims 1921 01:39:17.760 --> 01:39:18.520 court anymore? 1922 01:39:19.000 --> 01:39:24.319 The huh No, No, they did. Gonna go whatever it is. 1923 01:39:24.439 --> 01:39:26.960 I don't know what county we're talking about, but it's 1924 01:39:27.039 --> 01:39:30.840 not just that most likely eighty percent chance she's gonna 1925 01:39:30.840 --> 01:39:31.640 have a mediation. 1926 01:39:31.880 --> 01:39:33.359 She's got to show up too as well. 1927 01:39:33.520 --> 01:39:38.760 Yes, sucks, Okay, not to mention, didn't they didn't she 1928 01:39:38.880 --> 01:39:40.000 say they were out of state? 1929 01:39:40.079 --> 01:39:41.920 Or did I get that wrong? They're in Florida. 1930 01:39:42.039 --> 01:39:45.119 But go with a sure thing Denver's Best roofer Excel 1931 01:39:45.239 --> 01:39:46.079 roofing dot com. 1932 01:39:46.279 --> 01:39:48.279 You don't pay a cent until you're content. 1933 01:39:51.680 --> 01:39:55.199 Time for an insurance checkup, free, no obligation comparison call 1934 01:39:55.319 --> 01:39:58.600 Compass insurance paying too much your coverage at dozens of 1935 01:39:58.680 --> 01:40:01.600 insurance companies find out now three oh three seven seven 1936 01:40:01.680 --> 01:40:04.439 one help You'll think you're his only customer when you 1937 01:40:04.560 --> 01:40:06.960 choose Frank durand the real estate Man dot Com to 1938 01:40:07.079 --> 01:40:10.279 list your home with Remax Alliance three oh three nine 1939 01:40:10.319 --> 01:40:11.960 two zero sixteen twenty two. 1940 01:40:17.279 --> 01:40:17.800 Ripped of. 1941 01:40:19.560 --> 01:40:21.359 News needed. 1942 01:40:21.520 --> 01:40:22.560 That's so you don't have. 1943 01:40:24.800 --> 01:40:28.319 Come running us as we can show. 1944 01:40:28.520 --> 01:40:30.640 Shooter's gonna help coming. 1945 01:40:31.039 --> 01:40:37.079 Man Dix is the Troubleshooter Show. No Tom Martino, Hi. 1946 01:40:37.239 --> 01:40:40.039 Tom Martino here, Welcome to the show three oh three 1947 01:40:40.359 --> 01:40:43.720 seven one three talk seven one three eight two five five. 1948 01:40:44.319 --> 01:40:46.119 Welcome to the only show that's kind of anywhere in 1949 01:40:46.159 --> 01:40:49.159 the universe where we are solving problems, answering questions, taking complaints. 1950 01:40:49.640 --> 01:40:51.920 Light on calls today. Some days you can't breathe. We 1951 01:40:52.000 --> 01:40:54.000 take so many calls. Other days they are a little sparse. 1952 01:40:54.039 --> 01:40:56.119 We're getting a lot of texts. For some reason, we 1953 01:40:56.239 --> 01:40:58.279 got our real estate folks in today. Let me bring 1954 01:40:58.399 --> 01:41:02.920 up Marky Mark Mark Mark in the satellite studio in 1955 01:41:03.039 --> 01:41:03.960 parts of Known, and. 1956 01:41:04.000 --> 01:41:07.359 Then we have Frank durand the real Estate Man down there, 1957 01:41:07.359 --> 01:41:09.520 and we have you're streaming. I'm talking to you. If 1958 01:41:09.520 --> 01:41:11.720 you're not, you can do the Theater of the Mind. 1959 01:41:11.760 --> 01:41:14.560 Then we have Stephanie Thomas, lovely Stephanie's here as well, 1960 01:41:14.680 --> 01:41:18.319 and we are talking about real estate or anything on 1961 01:41:18.439 --> 01:41:21.800 your mind, anything in your heart and pocketbook and three 1962 01:41:21.920 --> 01:41:24.239 oll three seven one three eight two five five. 1963 01:41:24.640 --> 01:41:27.199 And then Mark is talking about Metallica. 1964 01:41:28.720 --> 01:41:32.640 Because he's going to go see Metallica and Nashville. You 1965 01:41:32.800 --> 01:41:35.560 want to talk about people who have withstood the test 1966 01:41:35.680 --> 01:41:36.119 of time? 1967 01:41:36.399 --> 01:41:37.920 Holy crap? 1968 01:41:39.119 --> 01:41:39.319 Yeah? 1969 01:41:40.039 --> 01:41:45.000 And then you know, like stones withstood the test of time, right, 1970 01:41:45.159 --> 01:41:49.279 I mean there's a lot of monkeys. A monkey, he's 1971 01:41:49.359 --> 01:41:51.279 such a I don't know. I'm not going to get 1972 01:41:51.319 --> 01:41:55.000 into I'm not I'm not taking that bait anyway. Three 1973 01:41:55.079 --> 01:41:57.439 all three seven one three talk seven one three eight 1974 01:41:57.479 --> 01:41:58.279 two five five. 1975 01:41:58.720 --> 01:42:01.479 You forgot jan and Dee or you don't even know 1976 01:42:01.520 --> 01:42:03.800 who they are, do you? Anyway? Never heard of him? 1977 01:42:04.520 --> 01:42:06.760 You never heard of them? Sonny and Chaer. I've heard 1978 01:42:06.800 --> 01:42:07.039 of them. 1979 01:42:07.680 --> 01:42:10.560 Oh God, were they terrible. I thought they were terrible. 1980 01:42:10.680 --> 01:42:12.720 You know what's funny about them is they both sounded 1981 01:42:12.760 --> 01:42:17.359 the same. I couldn't tell when one and then she'd 1982 01:42:17.399 --> 01:42:22.840 sing and he's and they all sounded like dreadful. Anyway, 1983 01:42:23.479 --> 01:42:25.760 you can call us at any time at three oh 1984 01:42:25.800 --> 01:42:28.039 three Martino twenty four seven three oh three six two 1985 01:42:28.119 --> 01:42:31.760 seven eight four sixty six, and or you can text 1986 01:42:31.880 --> 01:42:34.239 us and now you can text my Google number at 1987 01:42:34.279 --> 01:42:37.840 seven four seven nine nine nine fifty two eighty seven 1988 01:42:37.880 --> 01:42:40.199 four seven nine nine nine fifty two eighty or you 1989 01:42:40.279 --> 01:42:43.680 can always go to the short code for iHeart, and 1990 01:42:43.800 --> 01:42:46.479 that is five seven seven three nine one, says Tom. 1991 01:42:46.520 --> 01:42:49.159 Here, I bought my house in nineteen eighty two. This 1992 01:42:49.359 --> 01:42:50.399 is a text with. 1993 01:42:50.720 --> 01:42:54.720 An FHA loan for fifteen percent. 1994 01:42:55.359 --> 01:42:59.760 Well, holy moly, so I came here in eighty So 1995 01:43:00.079 --> 01:43:02.199 were rates that high when I got here? How did 1996 01:43:02.239 --> 01:43:03.039 I afford a house? 1997 01:43:03.119 --> 01:43:03.359 WHOA? 1998 01:43:04.119 --> 01:43:06.079 The last song we had was three percent? 1999 01:43:06.239 --> 01:43:10.359 Can you imagine that swing from fifteen percent down back 2000 01:43:10.439 --> 01:43:14.319 in eighty two? So I remember when I came here 2001 01:43:14.399 --> 01:43:21.159 to Colorado, I swear to you. Parker was a wide 2002 01:43:21.239 --> 01:43:24.079 spot and a train stop, I mean, and then I 2003 01:43:24.159 --> 01:43:26.960 had a little firehouse. There was nothing there, man, Do 2004 01:43:27.000 --> 01:43:29.520 you remember that, Frankie frank you got into real estate 2005 01:43:29.800 --> 01:43:33.760 what year ninety four? Actually ninety three, and then started 2006 01:43:33.880 --> 01:43:34.840 more active in ninety four. 2007 01:43:36.159 --> 01:43:40.640 Okay, So back when you got into real estate, what 2008 01:43:40.920 --> 01:43:41.880 areas were hot? 2009 01:43:43.159 --> 01:43:43.319 Oh? 2010 01:43:44.239 --> 01:43:47.279 You know, Tom, that's when I first started. 2011 01:43:47.760 --> 01:43:49.920 All I knew was Thornton and North Glen and Westminster, 2012 01:43:50.279 --> 01:43:53.439 so that's right, basically stayed and then I started spreading out. 2013 01:43:53.560 --> 01:43:56.399 So in those beginning years, I think I would go 2014 01:43:56.439 --> 01:43:59.520 as far as like Lakewood, and so everything seemed to 2015 01:43:59.640 --> 01:44:02.199 just be kind of hot, you know, really. 2016 01:44:02.319 --> 01:44:05.319 Okay, one thing that I remembered, Okay, I used to 2017 01:44:05.439 --> 01:44:09.680 move into a place and I was always late, meaning 2018 01:44:09.800 --> 01:44:12.439 I'd move into a place and it was booming all 2019 01:44:12.520 --> 01:44:14.880 over Florida, well not all over, but a few a 2020 01:44:14.920 --> 01:44:17.840 couple places in Florida, and I was working in television 2021 01:44:18.159 --> 01:44:22.520 and radio, and then North Carolina and they're Raleigh and 2022 01:44:22.680 --> 01:44:23.720 that while area, and. 2023 01:44:23.840 --> 01:44:25.399 I would always miss the opportunity. 2024 01:44:25.479 --> 01:44:28.479 So I came here to Colorado and I said, for 2025 01:44:28.600 --> 01:44:31.239 once in my life, I'm gonna do something really crazy. 2026 01:44:32.159 --> 01:44:34.920 And so I went down to a rap hole road 2027 01:44:34.920 --> 01:44:38.079 and it was it was still crowded, a little not 2028 01:44:38.319 --> 01:44:42.119 that bad county line. There was just a little Mexican restaurant. 2029 01:44:42.199 --> 01:44:44.600 It was a dirt road county line road, so that 2030 01:44:44.760 --> 01:44:46.520 was out in the country. But I went even further 2031 01:44:46.720 --> 01:44:49.680 down and I said, this is the craziest thing I 2032 01:44:49.720 --> 01:44:50.520 ever did in my life. 2033 01:44:50.560 --> 01:44:52.279 The first time I ever stepped. 2034 01:44:51.920 --> 01:44:55.039 Out of my comfort zone, and I had great credit, 2035 01:44:55.079 --> 01:44:57.319 and I got a line of credit and I bought 2036 01:44:57.439 --> 01:45:03.760 some property at I twenty five and a little place 2037 01:45:03.920 --> 01:45:07.800 called at the time, what was it called Beverly Hills. 2038 01:45:08.720 --> 01:45:10.560 You remember that, Yeah, what is it now? 2039 01:45:10.600 --> 01:45:13.159 It's Castle Pines, right, So I bought the four corners 2040 01:45:13.199 --> 01:45:19.159 there and I with some friends and we went into 2041 01:45:19.279 --> 01:45:25.399 serious debt and just sat there and took it and 2042 01:45:25.560 --> 01:45:29.520 then it kind of went, didn't We go through likes 2043 01:45:29.520 --> 01:45:33.039 a bad time in the mid eighties right right, held 2044 01:45:33.119 --> 01:45:35.680 on to him. Then bought up some more stuff down 2045 01:45:35.720 --> 01:45:39.640 in Larkspur and then in park Or, Colorado, which was nothing, 2046 01:45:40.239 --> 01:45:43.199 a bunch of commercial stuff. That was the first time 2047 01:45:43.279 --> 01:45:47.199 I ever seriously made money, and I thought, oh my god, 2048 01:45:47.319 --> 01:45:50.000 you can do this now. Obviously you can't keep doing it. 2049 01:45:50.119 --> 01:45:53.640 There things happened, but I remember that, and I remember 2050 01:45:53.720 --> 01:45:56.279 the reason I went south is because I always was 2051 01:45:56.439 --> 01:45:58.800 tired of being behind. So I said, I'm going to 2052 01:45:58.880 --> 01:46:01.760 go ahead, and I I saw things expanding a little 2053 01:46:01.800 --> 01:46:04.039 and a rapo road was getting busy at the time, 2054 01:46:05.319 --> 01:46:07.800 But really, County Line was the country. Did you know 2055 01:46:07.880 --> 01:46:10.560 that people had horses and there was a little tiny 2056 01:46:10.760 --> 01:46:12.680 I forget what the name of the Mexican restaurant was 2057 01:46:12.720 --> 01:46:13.439 a little tiny one. 2058 01:46:13.600 --> 01:46:17.680 Then up North was also growing. But it's funny when 2059 01:46:17.680 --> 01:46:17.920 you go. 2060 01:46:18.000 --> 01:46:20.560 To an area that you know is growing, you start 2061 01:46:20.640 --> 01:46:23.399 going to the fringe areas and buying up property. But 2062 01:46:23.520 --> 01:46:25.960 then you could go broke too, because it can go 2063 01:46:26.039 --> 01:46:30.640 either way. I mean, places don't always expand. But right now, 2064 01:46:31.119 --> 01:46:34.439 I mean, look at Cassle Rock. For God's sakes, Calsarock 2065 01:46:34.560 --> 01:46:38.520 was a tiny little place. Parker was nothing, and Franktown 2066 01:46:38.640 --> 01:46:40.000 is still a tiny little place. 2067 01:46:40.399 --> 01:46:43.560 It really is. Franktown has yet to really really bloom. 2068 01:46:43.840 --> 01:46:46.039 I mean, if you think about the four corners down 2069 01:46:46.079 --> 01:46:48.880 there at eighty six and eighty three mark, there's not 2070 01:46:49.039 --> 01:46:49.760 much there anymore. 2071 01:46:49.800 --> 01:46:53.359 I mean, right, it's still kind of sleepy. Well you can't. 2072 01:46:53.439 --> 01:46:55.319 There's nothing you can do here. You can only have 2073 01:46:55.479 --> 01:46:58.920 residential and you have to have at least a minimum 2074 01:46:59.000 --> 01:46:59.800 of five acres. 2075 01:47:00.199 --> 01:47:02.000 Just happen. But I'm talking about the four corners there 2076 01:47:02.640 --> 01:47:03.600 what I would call the town. 2077 01:47:03.640 --> 01:47:06.720 They're like redoing. They're redoing the stagecoach right now. So 2078 01:47:06.800 --> 01:47:09.119 those guys bought it when it went under during COVID. 2079 01:47:09.760 --> 01:47:13.600 And here's the problem out here. Water water, water, water, water, 2080 01:47:13.720 --> 01:47:16.960 and sewage. So they bought it for one point two. 2081 01:47:17.079 --> 01:47:19.560 They figured they'd be putting in whatever four or five, 2082 01:47:19.680 --> 01:47:23.039 six hundred thousand, and I'm not sure on these exact numbers, 2083 01:47:23.199 --> 01:47:25.840 just kind of rumors and what they say on Facebook, 2084 01:47:26.520 --> 01:47:29.239 meaning the people that bought them, but they ended up 2085 01:47:29.279 --> 01:47:32.159 having them to do new septic and all this other stuff. 2086 01:47:32.359 --> 01:47:35.439 It just costs an entire fortune to build anything out 2087 01:47:35.479 --> 01:47:37.039 here on these four corners. 2088 01:47:38.279 --> 01:47:42.279 Okay, all right, Okay, that's about it. There's no water 2089 01:47:42.840 --> 01:47:45.680 yuh yeah, you know, you're right. 2090 01:47:45.880 --> 01:47:48.800 That is one big problem that's always been out there 2091 01:47:49.760 --> 01:47:54.920 and really in Colorado in general. But on one of 2092 01:47:54.960 --> 01:47:59.600 the things people, water rights is a whole complicated a story. 2093 01:47:59.720 --> 01:48:04.199 But Mark is absolutely right. Without water rights to do 2094 01:48:04.479 --> 01:48:07.600 like commercial wells and stuff, you're you're screwed. You have land, 2095 01:48:07.680 --> 01:48:08.319 but nowhere to go. 2096 01:48:09.600 --> 01:48:12.920 Three oh three seven one three talk three oh three 2097 01:48:13.000 --> 01:48:17.600 seven one three eight two five five. So another thing 2098 01:48:17.680 --> 01:48:20.399 I did was I went up along Parker Road and 2099 01:48:20.479 --> 01:48:23.319 bought up property and then divided it into thirty five 2100 01:48:23.399 --> 01:48:25.159 acre lots for people to build houses. 2101 01:48:25.319 --> 01:48:27.880 Because what I remembered was if you wanted. 2102 01:48:27.640 --> 01:48:32.279 Acreage back then, you had to go to a you 2103 01:48:32.479 --> 01:48:35.319 had to be next tour to people add old cars 2104 01:48:35.399 --> 01:48:37.199 and ravines and garbage. 2105 01:48:38.000 --> 01:48:39.840 That that's the only big acre there was. There were 2106 01:48:39.920 --> 01:48:44.479 no nice big acres. The nicest, bigger, biggest acreage place 2107 01:48:44.800 --> 01:48:50.079 was Cherry Hills and and and and back then they weren't. 2108 01:48:50.159 --> 01:48:52.359 It was like one hundred thousand dollars a lot should 2109 01:48:52.359 --> 01:48:54.399 have brought up a ton of them, because those are 2110 01:48:54.439 --> 01:48:56.760 a million dollars a lot right now or more right 2111 01:48:57.119 --> 01:49:00.039 for a lot. And then so so and then and 2112 01:49:00.119 --> 01:49:02.960 there was a plate. The pinery was just getting started. 2113 01:49:04.439 --> 01:49:08.079 But the whole idea was being ahead of the curb 2114 01:49:08.199 --> 01:49:09.560 with everything by the way, folks. 2115 01:49:10.760 --> 01:49:13.159 But that's the story of people's lives. Well, Tom, it's 2116 01:49:13.239 --> 01:49:16.239 interesting though. I remember my mom. Now this was I 2117 01:49:16.319 --> 01:49:19.159 think around eighty eight eighty nine. She went to buy 2118 01:49:19.199 --> 01:49:21.239 this house, and I'll never forget this. They were asking 2119 01:49:21.359 --> 01:49:24.000 sixty five thousand dollars house up for this house ranched 2120 01:49:24.039 --> 01:49:26.239 All Home. And she asked her relter. I was a 2121 01:49:26.239 --> 01:49:28.079 teenager at the time, so I was not in real estate. 2122 01:49:28.159 --> 01:49:29.680 And she asked her relter if they can make an 2123 01:49:29.680 --> 01:49:31.560 offer for fifty thousand. He laughed at her. He says, 2124 01:49:31.560 --> 01:49:33.720 they'll never take that. She is, well, can we at 2125 01:49:33.800 --> 01:49:37.079 least try come here? Yeah, and thank god they actually 2126 01:49:37.119 --> 01:49:39.359 took her offer. She buys this house for fifty thousand, 2127 01:49:39.399 --> 01:49:41.640 which seemed like a lot of the time. That same 2128 01:49:41.720 --> 01:49:44.359 homes worth over what a half million dollars today? I mean, 2129 01:49:44.479 --> 01:49:46.319 that's incredible, and she paid the higher interest rate. But 2130 01:49:46.359 --> 01:49:49.159 look how much appreciation we were out in the country. 2131 01:49:49.279 --> 01:49:51.039 Mark bought a house out in the country one time. 2132 01:49:51.760 --> 01:49:54.199 It was like a really sparse subdivision. I'm trying to 2133 01:49:54.239 --> 01:49:56.880 remember where it was. Mark, it was a really big house. 2134 01:49:57.199 --> 01:49:58.800 I don't even know if you had kids at the time. 2135 01:49:58.840 --> 01:49:59.479 Do you remember that? 2136 01:50:00.000 --> 01:50:03.039 And out the back door at the sliding door. I 2137 01:50:03.159 --> 01:50:06.319 remember there wasn't even landscaping at the time. Do you 2138 01:50:06.399 --> 01:50:10.359 remember that house you stole? And I know what house 2139 01:50:10.399 --> 01:50:11.920 you're talking about, but I didn't buy it. 2140 01:50:12.920 --> 01:50:14.880 Oh, I thought you did buy that one. Were you 2141 01:50:14.960 --> 01:50:20.520 renting that? No, we were looking at it, that's right, 2142 01:50:20.680 --> 01:50:20.920 we were. 2143 01:50:21.000 --> 01:50:21.159 Yeah. 2144 01:50:21.199 --> 01:50:23.760 The problem with that house it was gorgeous. It probably 2145 01:50:23.840 --> 01:50:26.600 went up by over a million bucks, maybe even more. 2146 01:50:27.479 --> 01:50:30.359 It had a huge sheep crack. 2147 01:50:30.199 --> 01:50:31.079 In the foundation. 2148 01:50:32.479 --> 01:50:35.079 So anyway, what about the house you were living in 2149 01:50:35.760 --> 01:50:38.800 when Miles was scooting around under the table in his 2150 01:50:38.960 --> 01:50:41.880 little basket whatever it was, a little car seat. 2151 01:50:42.199 --> 01:50:46.039 What house was that? That was in Parker and Clark Farms, 2152 01:50:46.079 --> 01:50:51.000 Tom Clark Farms. Yeah, so that was right, that Miles was. 2153 01:50:51.079 --> 01:50:54.800 Just a little, a little That house we bought. We 2154 01:50:54.920 --> 01:50:56.920 did so good on that in Clark Farms. That was 2155 01:50:57.000 --> 01:51:00.640 brand new by US Homes who eventually is Lenar. 2156 01:51:01.159 --> 01:51:01.760 We bought that. 2157 01:51:02.000 --> 01:51:06.319 Susanna was our first house. She was probably nineteen years 2158 01:51:06.359 --> 01:51:07.159 old when we got that. 2159 01:51:07.520 --> 01:51:08.760 But she got to pick out. 2160 01:51:08.680 --> 01:51:10.880 The color of the house, of course, the color of 2161 01:51:10.960 --> 01:51:13.279 the roof, the carpet, you know, all that stuff. 2162 01:51:15.840 --> 01:51:17.640 There were track holls, but you get to pick out 2163 01:51:17.640 --> 01:51:18.520 all those little finishes. 2164 01:51:18.520 --> 01:51:20.600 Now you get to pick out all that in the cabinets, 2165 01:51:20.640 --> 01:51:22.479 and of course they try to upsell you. But that 2166 01:51:23.119 --> 01:51:26.600 house costs US one hundred and ten thousand. We sold 2167 01:51:26.680 --> 01:51:28.920 that for two hundred and fifty. I think we lived 2168 01:51:28.960 --> 01:51:32.520 there money in eight or nine years. So listen what 2169 01:51:32.600 --> 01:51:35.760 I want to ask you guys. Are there new subdivisions still? 2170 01:51:35.880 --> 01:51:37.439 I mean I haven't been out looking for a wha. 2171 01:51:37.640 --> 01:51:39.640 Are there a lot of new subdivisions or not? 2172 01:51:40.000 --> 01:51:40.239 I mean? 2173 01:51:40.800 --> 01:51:43.399 Were there were some for a while where you buy 2174 01:51:43.479 --> 01:51:45.840 that house. It's kind of from a model, and then 2175 01:51:45.880 --> 01:51:46.800 you pick out stuff. 2176 01:51:47.119 --> 01:51:49.680 Oh yeah, there's lots of builders buildings still still around. 2177 01:51:49.800 --> 01:51:53.000 Yeah, even with the interest rates, they're still building, you know. 2178 01:51:53.079 --> 01:51:53.760 And here's the thing. 2179 01:51:53.920 --> 01:51:58.039 It's really a great time to purchase because you've got 2180 01:51:58.119 --> 01:51:59.840 builders that are buying down your rates. 2181 01:52:00.319 --> 01:52:02.880 They're giving you these large incentives. 2182 01:52:02.960 --> 01:52:05.760 You've got just sellers on a resell that are willing 2183 01:52:05.880 --> 01:52:08.520 to come in and actually negotiate with a buyer right now. 2184 01:52:09.000 --> 01:52:11.319 So what I'd like to say to everybody is, don't 2185 01:52:11.359 --> 01:52:14.319 get so rate conscious that you're passing up potentially good 2186 01:52:14.399 --> 01:52:16.840 deals because you can definitely still come. 2187 01:52:16.720 --> 01:52:18.079 In the market and make a great point. 2188 01:52:18.119 --> 01:52:21.760 And you can always refinance, right absolutely, because if raids 2189 01:52:21.800 --> 01:52:24.359 get better, you can refinance. In fact, ideal home loans 2190 01:52:24.840 --> 01:52:27.279 give them a little plug. They have that interest rate guarantee. 2191 01:52:27.720 --> 01:52:30.920 In fact, they say you're a customer for life that 2192 01:52:31.079 --> 01:52:31.479 they will. 2193 01:52:31.640 --> 01:52:33.800 They tell you that if you if you get one 2194 01:52:33.840 --> 01:52:36.479 loan with them, you can forever get loans with them. 2195 01:52:37.760 --> 01:52:40.439 That's what they Buy the house, date the rate. Yeah, 2196 01:52:40.640 --> 01:52:42.600 that's what that's exactly what they say. 2197 01:52:42.720 --> 01:52:47.399 Buy the house and date the rate, meaning that you 2198 01:52:47.560 --> 01:52:50.840 don't have to be married to that rate forever. You 2199 01:52:51.119 --> 01:52:55.239 can refine at any time three h three seven to one, 2200 01:52:55.359 --> 01:53:03.840 three eight two five five more coming right up, Go 2201 01:53:04.039 --> 01:53:07.600 with a sure thing Denver's best rufer excel Roofing dot com. 2202 01:53:07.800 --> 01:53:09.800 You don't pay a cent until you're content. 2203 01:53:11.359 --> 01:53:15.640 Please time for an insurance check up free no obligation 2204 01:53:15.760 --> 01:53:19.640 comparison call Compass Insurance Paying too much your coverage at 2205 01:53:19.680 --> 01:53:22.399 dozens of insurance companies find out now three oh three 2206 01:53:22.560 --> 01:53:23.359 seven to seven to one. 2207 01:53:23.479 --> 01:53:23.720 Help. 2208 01:53:23.920 --> 01:53:26.560 You'll think you're his only customer when you choose Frank 2209 01:53:26.640 --> 01:53:29.039 durand the real estate Man dot com to list your 2210 01:53:29.119 --> 01:53:32.239 home with Remax Alliance three oh three nine two zero 2211 01:53:32.359 --> 01:53:40.680 sixteen twenty two. Hi Tom Artino here at three oh 2212 01:53:40.800 --> 01:53:43.880 three seven one three talk three oh three seven one 2213 01:53:43.960 --> 01:53:48.680 three eight two five five. We've been talking about problems, 2214 01:53:48.840 --> 01:53:53.600 questions and complaints, well not not really complaints, but real 2215 01:53:53.720 --> 01:53:58.760 estate issues. We have Frank Duran, the Realestateman dot com 2216 01:53:58.880 --> 01:54:02.359 with us, and we also have of Let me just 2217 01:54:02.680 --> 01:54:04.880 widen out the shot if you're streaming. And by the way, 2218 01:54:05.159 --> 01:54:07.359 I always tell people even if you listen on radio, 2219 01:54:07.399 --> 01:54:10.039 and you should and thank you for doing that. Always 2220 01:54:10.079 --> 01:54:13.119 feel free to download the podcast the video on It's 2221 01:54:13.199 --> 01:54:15.920 fun and we do have a show within a show 2222 01:54:16.439 --> 01:54:21.319 during breaks, as our YouTube morons will attest to. And moron, 2223 01:54:21.439 --> 01:54:24.000 by the way, is a badge of honor when you're 2224 01:54:24.039 --> 01:54:28.239 a YouTube moron. So I talked about this, and I 2225 01:54:28.680 --> 01:54:31.800 just want to mention this. It's called chaos packaging. So 2226 01:54:32.000 --> 01:54:36.479 some brilliant marketer got an idea, why don't we shake 2227 01:54:36.560 --> 01:54:40.399 up the marketplace a lot? Because people kind of glaze over, 2228 01:54:40.840 --> 01:54:43.680 their eyes glaze over when they walk through supermarkets or 2229 01:54:43.720 --> 01:54:51.039 through stores. So they started doing something packaging things. They 2230 01:54:51.159 --> 01:54:54.000 call it chaos packaging, meaning there's no rhyme or reason, 2231 01:54:55.000 --> 01:54:56.560 and I'm just going to give you some honest to 2232 01:54:56.640 --> 01:54:57.880 good This is really happening. 2233 01:54:58.720 --> 01:54:59.800 It's really happening. 2234 01:55:01.000 --> 01:55:07.239 And for example, ice cream tubs looks like an ice 2235 01:55:07.279 --> 01:55:11.239 cream tub selling tampons, So in other words, it looks 2236 01:55:11.319 --> 01:55:15.720 like ice cream, but it's tampons. They have other packaging 2237 01:55:16.279 --> 01:55:20.520 that looks like whipped cream cans, but it's sunscreen. Now 2238 01:55:20.920 --> 01:55:23.520 there are critics who say this is bad because if 2239 01:55:23.560 --> 01:55:26.439 a kid sees something, they might think it's something else 2240 01:55:26.560 --> 01:55:31.520 and jests or whatever. But there are they're mixing up packages. 2241 01:55:32.000 --> 01:55:37.039 I don't understand it, but marketing people call the trend 2242 01:55:37.920 --> 01:55:43.840 chaos packaging. And so, for example, there is a gin 2243 01:55:45.199 --> 01:55:50.399 that is being put in what looks like motor oil containers. 2244 01:55:51.920 --> 01:55:58.199 There's perfume being packaged in small spray bottles that look like. 2245 01:55:58.319 --> 01:56:01.439 Window cleaner, the popular wind window cleaner like wind decks. 2246 01:56:02.760 --> 01:56:03.039 What what? 2247 01:56:03.239 --> 01:56:06.119 What are they? Honest to God? I don't understand it completely, 2248 01:56:06.680 --> 01:56:07.479 but it's happening. 2249 01:56:08.520 --> 01:56:13.760 Tampon packaging has been put into things that look like 2250 01:56:13.960 --> 01:56:14.600 ice cream. 2251 01:56:14.840 --> 01:56:16.920 You look it up people. If you think I'm lying, okay, 2252 01:56:17.000 --> 01:56:19.039 some people say, come on, where do you get this crap? 2253 01:56:19.439 --> 01:56:20.079 This is true? 2254 01:56:21.119 --> 01:56:24.479 So so what it is is they want to grab 2255 01:56:25.000 --> 01:56:28.159 people's attention. I for one thing, I don't know. I 2256 01:56:28.399 --> 01:56:30.880 personally believe it's product confusion. 2257 01:56:31.319 --> 01:56:32.279 I mean, I really do. 2258 01:56:32.520 --> 01:56:34.760 I I don't mean that you're going to pick up, 2259 01:56:35.520 --> 01:56:38.479 you know, a tub of tampons and mistake it for 2260 01:56:38.560 --> 01:56:40.439 ice cream and start eating the tampons. 2261 01:56:40.439 --> 01:56:41.039 I'm not saying that. 2262 01:56:41.119 --> 01:56:44.600 I'm just saying that when I go shopping, I don't 2263 01:56:44.640 --> 01:56:47.359 have a I just want to grab something and get 2264 01:56:47.399 --> 01:56:47.800 out of there. 2265 01:56:48.039 --> 01:56:51.359 I usually know what I want. Sometimes I'm not brand loyal, 2266 01:56:51.960 --> 01:56:54.239 but Look do you see that? Look? 2267 01:56:55.119 --> 01:56:59.039 Yeah, that so they have they have crazy like this 2268 01:56:59.279 --> 01:57:02.439 is this is a gin and it looks and it 2269 01:57:02.520 --> 01:57:06.039 says engine Italian organic gin. So it's it looks like 2270 01:57:06.319 --> 01:57:09.359 engine oil and it's yeah, it looks like a motor oil. 2271 01:57:09.600 --> 01:57:12.600 So I don't know exactly the purpose or what genius 2272 01:57:12.680 --> 01:57:16.600 came up with it, but it's happening. And it's called 2273 01:57:16.720 --> 01:57:20.279 chaos packaging, and apparently it's. 2274 01:57:20.199 --> 01:57:21.000 Supposed to. 2275 01:57:22.600 --> 01:57:26.960 Jolt people into looking at the product, whereas they've gotten 2276 01:57:27.119 --> 01:57:30.640 used to packaging and now you never know what it's 2277 01:57:30.680 --> 01:57:31.279 going to look like. 2278 01:57:31.399 --> 01:57:33.119 I don't know. To me, it's crazy. 2279 01:57:33.840 --> 01:57:38.520 And one skincare company they put some lip balm into 2280 01:57:38.600 --> 01:57:39.520 what looks like butter. 2281 01:57:41.920 --> 01:57:43.880 I mean, I don't know. 2282 01:57:44.079 --> 01:57:48.560 I mean, and some of them are are are considered 2283 01:57:48.960 --> 01:57:52.479 some of the packaging it's considered weird. Some people say 2284 01:57:52.520 --> 01:57:56.960 it could be dangerous for confusion, but they what they 2285 01:57:57.079 --> 01:57:59.840 want to do is stand. 2286 01:57:59.560 --> 01:58:03.920 Out on the shelf. So there you go. 2287 01:58:04.279 --> 01:58:07.199 Well, if I'm walking through the feminine products aisle and 2288 01:58:07.239 --> 01:58:09.720 I see something looks like ice cream packaging, I'm definitely 2289 01:58:09.760 --> 01:58:10.399 not picking that up. 2290 01:58:10.479 --> 01:58:13.319 You're not no bon it force. You'll kind of look say, wait, 2291 01:58:13.359 --> 01:58:16.600 a minute. What's that doing here? That's what they're thinking. 2292 01:58:17.159 --> 01:58:19.560 And they're calling it cast because it's not like organized, 2293 01:58:19.600 --> 01:58:21.880 So what what I mean is not organized. 2294 01:58:21.560 --> 01:58:22.199 The way it should be. 2295 01:58:22.520 --> 01:58:25.800 So when you're walking through let's say, a feminine isle 2296 01:58:25.920 --> 01:58:29.279 or you know, just just you know, whatever you want 2297 01:58:29.359 --> 01:58:31.600 toilet ries, whatever you call it, and you do see 2298 01:58:31.800 --> 01:58:34.920 something that looks like an ice cream tub, it will 2299 01:58:35.039 --> 01:58:37.079 make you. I think it'll make you look here, what 2300 01:58:37.279 --> 01:58:39.880 is what the heck? Yeah, yeah, what the heck? But 2301 01:58:40.039 --> 01:58:42.479 maybe you won't buy it, who knows. And that is 2302 01:58:43.319 --> 01:58:47.319 a trend in marketing. Marketing is taking on all kinds 2303 01:58:47.319 --> 01:58:52.640 of stuff. In fact, many marketers are doing all social 2304 01:58:52.720 --> 01:58:56.199 media now, all social media, that's all they're doing for products. 2305 01:58:56.760 --> 01:59:00.960 And they're paying influencers, of course, for product placement like 2306 01:59:01.039 --> 01:59:03.560 they used to pay for movies and TV shows. 2307 01:59:03.720 --> 01:59:07.520 Or candidate placement like Harris paid Oprah and paid Beyonce 2308 01:59:07.800 --> 01:59:09.560 and paid everybody mark. 2309 01:59:09.439 --> 01:59:10.760 Can you believe that? 2310 01:59:11.039 --> 01:59:14.680 I mean that, I feel so stupid when someone told 2311 01:59:14.760 --> 01:59:17.840 me that about Beyonce Oprah and then I forget the 2312 01:59:17.920 --> 01:59:21.920 name of the podcast, but some very popular modern woman's 2313 01:59:22.039 --> 01:59:25.880 day podcast thing. I was absolutely blown away. She paid 2314 01:59:25.920 --> 01:59:28.199 for that stuff. I didn't even know that was a thing. 2315 01:59:29.840 --> 01:59:33.159 It's kind of disingenuous. I mean now, now you might say, well, 2316 01:59:33.159 --> 01:59:36.000 wait a minute. You know you endorse products and services, right, 2317 01:59:36.239 --> 01:59:40.119 but you have to understand something. We're we have airtime, okay, 2318 01:59:40.199 --> 01:59:42.600 and we only have a certain number of slots available 2319 01:59:42.680 --> 01:59:43.079 for people. 2320 01:59:43.680 --> 01:59:45.880 So that doesn't mean that anyone can just pay and 2321 01:59:45.960 --> 01:59:48.520 get on the air either, because truly, and I know 2322 01:59:48.600 --> 01:59:49.840 a lot of my colleagues do too. 2323 01:59:49.960 --> 01:59:50.560 I I. 2324 01:59:52.039 --> 01:59:54.319 They really do care about who they endorse most of 2325 01:59:54.399 --> 01:59:58.159 the time. I mean, I you know, yeah, really it's 2326 01:59:58.199 --> 02:00:01.560 a reputation. You don't want to exactly, and. 2327 02:00:02.279 --> 02:00:04.640 But it's because it's airtime, and it's like I have 2328 02:00:04.680 --> 02:00:06.960 a certain number of slots, so I can only do 2329 02:00:07.079 --> 02:00:09.119 a certain number. I'm not going to just do anybody 2330 02:00:09.199 --> 02:00:11.720 that comes along. And as I said, most of my 2331 02:00:11.800 --> 02:00:15.159 colleagues are like that. But here's the point. When it 2332 02:00:15.279 --> 02:00:19.520 comes to though, endorsing someone for an office and you're 2333 02:00:19.640 --> 02:00:22.680 being paid to show up to me, that's just weird. 2334 02:00:23.199 --> 02:00:26.000 It is weird, But it really is the same thing. 2335 02:00:26.079 --> 02:00:28.560 I'm not saying I don't have I don't have a 2336 02:00:28.680 --> 02:00:32.039 problem with it. What I'm really saying is I was stunned. 2337 02:00:32.119 --> 02:00:34.760 I didn't know it was a deal. I know Trump 2338 02:00:34.880 --> 02:00:38.000 didn't pay for the two big podcasts he did. 2339 02:00:39.279 --> 02:00:42.960 Can you imagine, though, paying someone a million dollars to 2340 02:00:43.039 --> 02:00:44.159 come and make a speech for you? 2341 02:00:45.520 --> 02:00:48.079 And well, the Beyonce one was even stranger because she 2342 02:00:48.159 --> 02:00:51.119 didn't even sing. She was there for a half hour. 2343 02:00:52.199 --> 02:00:55.239 And a million bucks, right, just to bring someone told. 2344 02:00:55.039 --> 02:00:57.399 Me ten million. I don't know, you know what, Dragon 2345 02:00:57.560 --> 02:00:57.840 might know. 2346 02:00:58.000 --> 02:01:01.000 He's up reports the ten million for her to actually 2347 02:01:01.039 --> 02:01:04.000 sing and perform doing an actual concert. So the million 2348 02:01:04.119 --> 02:01:06.039 seems much more reasonable for her to just show up. 2349 02:01:06.000 --> 02:01:09.720 And speak for a half listening. But okay, okay, so 2350 02:01:10.079 --> 02:01:12.359 Oprah did show up. You could argue that she took 2351 02:01:12.439 --> 02:01:15.000 time out of her schedule. She's a very very rich 2352 02:01:15.079 --> 02:01:17.840 and powerful woman and she does she is pretty busy, 2353 02:01:18.000 --> 02:01:20.600 so okay, so you can see being paid for your 2354 02:01:20.640 --> 02:01:21.680 time and energy. 2355 02:01:21.479 --> 02:01:25.359 To do that, and of course the traveling, the security, right, right, 2356 02:01:25.600 --> 02:01:26.000 And then you. 2357 02:01:26.079 --> 02:01:29.119 Can also make the argument that you can also make 2358 02:01:29.159 --> 02:01:31.039 the argument that she wouldn't have done it if she 2359 02:01:31.119 --> 02:01:33.319 didn't believe in what she was doing. Okay, so let's 2360 02:01:33.319 --> 02:01:36.079 make that argument. But what if now I'm not saying 2361 02:01:36.119 --> 02:01:39.000 this happen. But what if someone endorses someone. I'm not 2362 02:01:39.079 --> 02:01:42.680 talking about making appearances, but endorses someone. What if they're 2363 02:01:42.960 --> 02:01:45.039 and I'm not saying Taylor Swift did this, but what 2364 02:01:45.079 --> 02:01:47.279 if somebody took like a tailor Swift and said, hey, 2365 02:01:47.760 --> 02:01:49.199 just come out and say you're gonna vote for me, 2366 02:01:49.359 --> 02:01:51.239 and I know you like me and you get this 2367 02:01:51.399 --> 02:01:51.840 much money. 2368 02:01:51.920 --> 02:01:54.239 Now, that would wouldn't you Wouldn't that be dirty? I 2369 02:01:54.319 --> 02:01:55.359 think that would be dirty. 2370 02:01:55.960 --> 02:01:59.319 And I'm not saying I don't know, and I'm not 2371 02:01:59.399 --> 02:02:02.520 saying that's happening, but oh, Mark, come on, if someone 2372 02:02:02.760 --> 02:02:05.479 if someone came out and said I'm voting for Kamala 2373 02:02:05.560 --> 02:02:08.279 because of this, this and this, or they make. 2374 02:02:08.239 --> 02:02:11.199 A social tweet or the Mountain lie their asses off 2375 02:02:11.359 --> 02:02:12.079 is what you're saying. 2376 02:02:12.760 --> 02:02:14.960 No, I'm saying if they, even if they mean it, though, 2377 02:02:15.039 --> 02:02:16.680 to be paid for that to me would be a 2378 02:02:16.720 --> 02:02:19.479 little weird when it comes to politics. It just doesn't 2379 02:02:19.520 --> 02:02:23.119 seem the same as a product or service. I don't know, 2380 02:02:23.359 --> 02:02:24.479 I might be wrong anyway. 2381 02:02:24.520 --> 02:02:27.199 Three oh three seven, one, three eight, two five five. 2382 02:02:27.520 --> 02:02:28.680 We have more coming right up. 2383 02:02:33.600 --> 02:02:36.840 Go with a sure thing Denver's Best Roofer Excel Roofing 2384 02:02:36.960 --> 02:02:39.600 dot com. You don't pay a cent until you're content 2385 02:02:42.960 --> 02:02:46.119 time for an insurance check up free, no obligation. In comparison, 2386 02:02:46.279 --> 02:02:49.840 call Compass Insurance paying too much your coverage at dozens 2387 02:02:49.880 --> 02:02:52.600 of insurance companies find out now three oh three, seven 2388 02:02:52.600 --> 02:02:54.920 to seven to one help. You'll think you're his only 2389 02:02:55.039 --> 02:02:57.479 customer when you choose Frank durand the real estate Man 2390 02:02:57.560 --> 02:03:00.960 dot com to list your home with REMAC Alliance three 2391 02:03:01.039 --> 02:03:08.520 all three nine two zero sixteen twenty two. Hi Tom 2392 02:03:08.600 --> 02:03:11.039 Martino here three all three seven only three talks seven 2393 02:03:11.079 --> 02:03:12.800 on three eight two. 2394 02:03:12.760 --> 02:03:16.079 Five five Andrew, you have a question on the states? 2395 02:03:16.119 --> 02:03:17.439 Go ahead, Andrew, what's going. 2396 02:03:17.359 --> 02:03:23.359 On with you? Yes, my wife received a call from 2397 02:03:24.279 --> 02:03:30.520 the state of New Mexico. Her previous husband passed away, 2398 02:03:31.560 --> 02:03:36.039 and she I think he passed away like maybe a 2399 02:03:36.119 --> 02:03:38.119 year and a half or two years ago or something, 2400 02:03:38.800 --> 02:03:41.680 but kind of a bad thing. So she really hasn't 2401 02:03:41.800 --> 02:03:45.720 had any communication with the family or anything. But she 2402 02:03:45.960 --> 02:03:50.399 just she received some texts recently from the State of 2403 02:03:50.520 --> 02:03:51.600 New Mexico. 2404 02:03:51.319 --> 02:03:56.680 About about the estate, and she was just what did 2405 02:03:56.760 --> 02:03:57.319 they want to know? 2406 02:03:59.840 --> 02:04:02.880 I think they just want her to contact then, but 2407 02:04:03.399 --> 02:04:04.199 I was just curious. 2408 02:04:04.760 --> 02:04:08.920 Okay, Well, here's what would happen, and this is very unusual. 2409 02:04:10.720 --> 02:04:14.239 But normally she would be entitled to nothing. Was she 2410 02:04:14.399 --> 02:04:15.960 married more than ten years to him? 2411 02:04:17.359 --> 02:04:17.479 Uh? 2412 02:04:17.640 --> 02:04:21.560 No, No, okay, so she's not even entitled to Social 2413 02:04:21.640 --> 02:04:23.960 Security benefits? If if? 2414 02:04:24.199 --> 02:04:27.159 But so, I don't understand why they're contacting her or 2415 02:04:27.199 --> 02:04:28.079 if it's really them. 2416 02:04:29.279 --> 02:04:33.760 Is it really them? She hasn't tried back yet, but 2417 02:04:33.840 --> 02:04:37.239 either there could be something that he did not see. 2418 02:04:37.439 --> 02:04:41.199 Sometimes when people get divorced, they don't do the right thing. 2419 02:04:41.319 --> 02:04:42.800 They don't always. 2420 02:04:42.479 --> 02:04:48.119 Remove people from beneficiaries. In fact, it happens a lot 2421 02:04:48.279 --> 02:04:50.960 where you forget to change your beneficiary. 2422 02:04:51.520 --> 02:04:55.199 So she's still on something and the ESCHET funds for 2423 02:04:55.279 --> 02:04:55.720 the state. 2424 02:04:56.279 --> 02:05:01.000 Since none of the family members who are surviving and 2425 02:05:01.279 --> 02:05:06.520 know him were notified because they're not the beneficiary, they 2426 02:05:06.560 --> 02:05:07.760 would not be notified. 2427 02:05:08.079 --> 02:05:11.319 The estate would not be notified. They would go to 2428 02:05:11.439 --> 02:05:15.119 the beneficiary. When they can't find the beneficiary, it goes 2429 02:05:15.199 --> 02:05:15.840 to the state. 2430 02:05:16.520 --> 02:05:19.720 And it could be the state calling her to say, 2431 02:05:20.319 --> 02:05:22.520 you know you were left this or this is part 2432 02:05:22.600 --> 02:05:25.760 of something. So there might be something where she was 2433 02:05:25.840 --> 02:05:29.479 named beneficiary and he never changed it. 2434 02:05:31.319 --> 02:05:35.119 I see that could happen. In fact, it happens more 2435 02:05:35.199 --> 02:05:37.039 than it happens more than you believe. 2436 02:05:39.399 --> 02:05:39.840 I see. 2437 02:05:41.119 --> 02:05:43.920 So what did they say to do? Did they say 2438 02:05:44.000 --> 02:05:45.319 simply to contact them? 2439 02:05:46.680 --> 02:05:46.880 Yes? 2440 02:05:49.279 --> 02:05:50.960 Okay? And did she do it? 2441 02:05:52.560 --> 02:05:52.600 No? 2442 02:05:52.800 --> 02:05:54.600 I just wanted to check with you and see if. 2443 02:05:54.720 --> 02:05:57.439 I would contact them if it's truly the state. Now 2444 02:05:57.920 --> 02:05:59.720 do you know did they give you a link or 2445 02:05:59.760 --> 02:06:02.199 did actually just say contact the state or what? 2446 02:06:03.960 --> 02:06:06.359 I think they gave her a number on the text, 2447 02:06:06.920 --> 02:06:07.520 and just. 2448 02:06:07.640 --> 02:06:11.560 Make sure it's highly unlikely. See, I never heard of 2449 02:06:11.640 --> 02:06:18.920 a state actually texting anyone. If you want to give 2450 02:06:19.039 --> 02:06:20.880 us that number, we can have it checked out. 2451 02:06:21.199 --> 02:06:21.800 Yeah, what do you think? 2452 02:06:21.800 --> 02:06:24.600 The possibility is that it's a collections agency looking to 2453 02:06:24.720 --> 02:06:26.560 get some kind of a debt from him through her. 2454 02:06:28.079 --> 02:06:30.720 It could be that too, But but he has he 2455 02:06:31.239 --> 02:06:36.640 he's they may they mentioned he's deceased in that text, right, Yes, 2456 02:06:39.199 --> 02:06:41.000 you know it could be a phishing expedition. 2457 02:06:41.479 --> 02:06:46.159 I would be highly suspect of a text. I've never 2458 02:06:46.239 --> 02:06:49.680 heard of the government texting you at all. Ever. 2459 02:06:51.760 --> 02:06:55.479 Yeah, I'm wondering if it's just a party representing the 2460 02:06:55.800 --> 02:07:00.960 state or something that. But I mean, he was actually 2461 02:07:01.000 --> 02:07:04.239 pretty wealthy, so I don't know if he you know, 2462 02:07:04.560 --> 02:07:07.560 like you say, maybe left her name on the house 2463 02:07:07.920 --> 02:07:08.720 or something. 2464 02:07:08.600 --> 02:07:11.760 Or yeah, could be, but I still don't understand why 2465 02:07:11.840 --> 02:07:15.520 you would be texted. You know, Hey, do you let 2466 02:07:15.600 --> 02:07:19.079 me ask you this. It's do you have that you 2467 02:07:19.119 --> 02:07:20.840 don't have the number on? You can give us off 2468 02:07:20.920 --> 02:07:21.199 the air. 2469 02:07:23.039 --> 02:07:24.880 I don't have it. She's gottered on her phone. 2470 02:07:25.000 --> 02:07:27.640 When you get a call us back, we'd be happy 2471 02:07:27.680 --> 02:07:30.000 to look it up for you. We have ways of 2472 02:07:30.159 --> 02:07:36.840 doing that that could be telling. So just let's figure 2473 02:07:36.920 --> 02:07:37.399 that out. 2474 02:07:38.760 --> 02:07:40.840 And then just feel free to call back three oh 2475 02:07:40.920 --> 02:07:44.520 three seven one three talk. But I would say they 2476 02:07:44.680 --> 02:07:49.680 just don't text. I just can't ever imagine anyone from 2477 02:07:49.720 --> 02:07:52.800 the state saying, you know, contact us and they give 2478 02:07:52.840 --> 02:07:56.920 a number. Never I would almost I'm almost positive on that. 2479 02:07:57.039 --> 02:08:00.159 One three o three seven to one, three eight two, 2480 02:08:00.239 --> 02:08:04.600 five to five. Okay, So you heard, and many of 2481 02:08:04.640 --> 02:08:06.680 you have responded, and I just want to give my 2482 02:08:06.800 --> 02:08:11.840 sincere thanks for contacting me at Wave eight Wealth Management. 2483 02:08:12.159 --> 02:08:15.000 I've gotten back to each one of you personally. Many 2484 02:08:15.079 --> 02:08:17.279 of you have met with us, and I appreciate it. 2485 02:08:17.840 --> 02:08:22.159 I don't take that trust lightly. The history behind it 2486 02:08:22.319 --> 02:08:26.319 is I started the company because I was frustrated with 2487 02:08:26.439 --> 02:08:30.520 the entire industry using what they call a TAMP model, 2488 02:08:30.640 --> 02:08:36.399 which is a turnkey asset program. It's really a management 2489 02:08:36.479 --> 02:08:39.439 program TAMP, and it's where financial. 2490 02:08:39.000 --> 02:08:42.359 Advisors say they're your advisor, but they really simply take 2491 02:08:42.399 --> 02:08:46.520 your money and place it with big, giant advisors and 2492 02:08:46.640 --> 02:08:49.560 then they claim they're your advisor. But those big advisors 2493 02:08:49.600 --> 02:08:51.399 they don't know you from anywhere. 2494 02:08:51.680 --> 02:08:54.199 Now, I'm not telling you you're gonna have bad results 2495 02:08:54.239 --> 02:08:55.920 all the time like that, but you're not going to 2496 02:08:55.960 --> 02:08:58.960 get the results you want for your personal goals and objectives. 2497 02:08:59.600 --> 02:09:03.359 And I believe that you want personal attention if you're 2498 02:09:03.439 --> 02:09:05.439 like me. So that's why I started the company. Now, 2499 02:09:05.479 --> 02:09:08.560 I started at first for myself, I really did, and 2500 02:09:08.680 --> 02:09:11.079 then after about five or six years, I decided to 2501 02:09:11.239 --> 02:09:14.640 register with the Securities Division and make it an official company. 2502 02:09:15.399 --> 02:09:20.680 If you want someone who invests alongside you and babysits 2503 02:09:20.680 --> 02:09:24.560 your money like their own and literally knows you and 2504 02:09:24.720 --> 02:09:28.239 will not grow beyond knowing each and every client, then 2505 02:09:28.279 --> 02:09:31.840 you want to join us. You can contact me invest 2506 02:09:31.920 --> 02:09:34.199 with Martino dot com. The name of the company is 2507 02:09:34.239 --> 02:09:37.199 Wave eight Wealth Management. You can go to Wave Eightwealthmanagement 2508 02:09:37.279 --> 02:09:40.279 dot com. The number eight, but it's invest with Martino dot. 2509 02:09:40.199 --> 02:09:42.840 Com or give us a call. Three oh three seven 2510 02:09:43.000 --> 02:09:46.399 seven to one help seven seven one four three five seven. 2511 02:09:46.640 --> 02:09:49.600 Again, you have my pledge. This is not where we're 2512 02:09:49.640 --> 02:09:52.359 going to schluff it off to anyone else. Now, we 2513 02:09:52.520 --> 02:09:56.880 consult with experts, but we don't outsource anything. We take 2514 02:09:57.000 --> 02:10:00.199 full responsibility. Three oh three seven to seven help help 2515 02:10:00.600 --> 02:10:07.640 invest with Martino dot Com. Hey, I'm Tom Martino, your troubleshooter. 2516 02:10:07.760 --> 02:10:10.199 Three oh three seven to one three talk three oh 2517 02:10:10.279 --> 02:10:13.479 three seven one three eight two five five. Now, as 2518 02:10:13.560 --> 02:10:15.960 you can see, we have our experts with us on 2519 02:10:16.039 --> 02:10:19.000 real estate, and we did I did have some Uh 2520 02:10:19.119 --> 02:10:21.399 let me get to this last these last minute texts 2521 02:10:21.600 --> 02:10:22.479 right when here is. 2522 02:10:24.159 --> 02:10:25.640 CHAFFA. What is that? 2523 02:10:26.319 --> 02:10:26.439 Uh? 2524 02:10:27.680 --> 02:10:28.399 Is it chaffa? 2525 02:10:29.439 --> 02:10:29.960 Oh? What is that? 2526 02:10:30.279 --> 02:10:32.560 You want to weigh in on that? Is it still available? 2527 02:10:32.600 --> 02:10:34.920 They want to know, boy, I haven't done a chaff 2528 02:10:34.960 --> 02:10:35.359 in a while. 2529 02:10:35.560 --> 02:10:36.039 What is that? 2530 02:10:36.520 --> 02:10:39.039 Is it a down payment assistance program or since. 2531 02:10:39.560 --> 02:10:43.640 Yes, and and boy, and I believe it's based on 2532 02:10:43.920 --> 02:10:46.479 your credit if you qualify it to go that route. 2533 02:10:46.880 --> 02:10:48.680 I haven't done a chaff in a while though it's 2534 02:10:48.720 --> 02:10:51.279 been a while, but there are down payment assistance programs 2535 02:10:51.279 --> 02:10:52.840 out there we could put a little as a thousand. 2536 02:10:53.039 --> 02:10:55.920 I'm asking you with first time buyers, what is available 2537 02:10:55.960 --> 02:10:58.479 for first I mean it's so expensive right now. What 2538 02:10:58.640 --> 02:11:01.520 do people do that are working their asses off and 2539 02:11:01.680 --> 02:11:03.439 this for to be a first time buyer? 2540 02:11:03.560 --> 02:11:05.000 What do they what's available? 2541 02:11:05.000 --> 02:11:07.520 The good news, Tom, is there's down payment assistance programs. 2542 02:11:07.640 --> 02:11:10.399 Our office actually has in house lending where they actually 2543 02:11:10.479 --> 02:11:13.800 do even portfolio type loans where a first time buyer 2544 02:11:13.840 --> 02:11:15.319 can go in and put as little as one thousand 2545 02:11:15.359 --> 02:11:17.640 dollars down out of pocket. So there are programs out 2546 02:11:17.680 --> 02:11:20.079 there that are great. But of course it depends on 2547 02:11:20.159 --> 02:11:22.079 qualification and credit and those types of things. 2548 02:11:23.319 --> 02:11:27.880 Okay, so there are programs available, Yeah, Okay, someone else 2549 02:11:27.960 --> 02:11:28.439 wants to know. 2550 02:11:32.119 --> 02:11:38.600 Okay, So are there are there any foreclosures for sale? 2551 02:11:38.840 --> 02:11:41.399 Well, Tom, I mean there's some. I mean it's very 2552 02:11:41.479 --> 02:11:44.399 slim picking though. And the thing is is everybody's had 2553 02:11:44.439 --> 02:11:46.680 so much appreciation over the years. Even people that get 2554 02:11:46.720 --> 02:11:48.840 in trouble where they fall behind, we find they have 2555 02:11:48.880 --> 02:11:50.840 plenty of equity. I'm helping a gentleman right now so 2556 02:11:50.880 --> 02:11:53.399 we can avoid foreclosure. We're trying to make it where 2557 02:11:53.399 --> 02:11:55.199 he can actually just keep the property so we're working 2558 02:11:55.279 --> 02:11:57.720 something out with his HOA. He's got plenty of equity. 2559 02:11:57.760 --> 02:11:59.079 If he gets in a pinch, he can always sell 2560 02:11:59.079 --> 02:12:00.840 it and he's not gonna be up down. So we 2561 02:12:00.880 --> 02:12:02.479 don't run into that as much as we did back 2562 02:12:02.520 --> 02:12:03.079 in the day. 2563 02:12:03.119 --> 02:12:05.840 Stephanie, do you run into people in trouble, you. 2564 02:12:05.880 --> 02:12:10.199 Know, occasionally, but the same the same people are so equity. 2565 02:12:10.279 --> 02:12:12.720 Because because houses have gone up so much in. 2566 02:12:12.840 --> 02:12:14.439 Value, Yeah, it's easier to sell them. 2567 02:12:14.600 --> 02:12:16.840 Really when they get to that distress point. 2568 02:12:17.319 --> 02:12:20.439 One guy says, check with the state as cheat funds 2569 02:12:20.520 --> 02:12:23.359 if you think anything was left to you and it's 2570 02:12:23.399 --> 02:12:24.000 with the state. 2571 02:12:24.119 --> 02:12:27.359 Now it's called a chet funds. It's really the Treasury Department. 2572 02:12:27.399 --> 02:12:28.319 A lot of people call it. 2573 02:12:29.079 --> 02:12:34.640 You know, they're just unclaimed unclaimed securities and unclaimed money. Anyway, 2574 02:12:34.680 --> 02:12:37.760 I'm Tom Martinez, running out of time. Remember save all 2575 02:12:37.800 --> 02:12:38.680 your problems for me.