Speaker 1: Yeah, ripped, you need advice so you don't have.
Speaker 2: Come running.
Speaker 1: Just as fast as we can, Shooter's gonna help come.
Speaker 3: Man, This is the Troubleshooter Show. No Tom Martine.
Speaker 4: Hey, I'm Tom Martino. Welcome to the show. Three oh
Speaker 4: three seven one three talk three O three seven one
Speaker 4: three eight two five five.
Speaker 5: As you'll see here.
Speaker 4: I if you're streaming the show, I have Stephanie with me,
Speaker 4: Stephanie Thomas, who is a real estate I broke from
Speaker 4: the Pike's Peak area and Frank durand the real estate
Speaker 4: man's on his way and we're gonna talk a little
Speaker 4: bit about real estate.
Speaker 5: Now.
Speaker 4: Conventionally, I believe I believe this is a slower time
Speaker 4: if you're I'm not positive of that, but Stephanie, in general,
Speaker 4: November and December a little slower because people are waiting
Speaker 4: for the holidays.
Speaker 6: Yeah, we kind of shift in the traditional market where
Speaker 6: people start thinking about holidays and family and all of
Speaker 6: that kind of thing. You see showings kind of slowed down.
Speaker 6: You see activities slow down, but the buyers that tend
Speaker 6: to be in the market tend to be serious, like
Speaker 6: I gotta move type down.
Speaker 7: Christ.
Speaker 4: But in general, even though it's the holidays. It's even
Speaker 4: a little slower than normal.
Speaker 8: I think it is.
Speaker 6: I think we still have a lot of things, you know,
Speaker 6: that are our interest rates are still floating in the sixes.
Speaker 8: And of course I can't quote you think people.
Speaker 5: Are waiting thinking maybe things will get better.
Speaker 8: I do think we're going to see some of that.
Speaker 6: I think people are waiting to see what happens, you know,
Speaker 6: new administration, all of that.
Speaker 4: So we're going to talk about days on market and
Speaker 4: selling stuff in the Pike's Peak area in the Denver area,
Speaker 4: buying stuff opportunities. But first, I'm going to go to
Speaker 4: the phones, as I always do first, and Kathy's got
Speaker 4: a roofing issue.
Speaker 5: Hey, Kathy, by the way, is Mark up.
Speaker 4: And let me just check here if he's on. I'm
Speaker 4: not sure if he's up, I don't think so okay, Yeah,
Speaker 4: I don't see his cam. Okay, So anyway, let's just
Speaker 4: go to the phones and let's talk. So, Kathy, what
Speaker 4: is happening with you?
Speaker 9: Hi?
Speaker 10: Tom, Hi, Kathy?
Speaker 5: What's happening?
Speaker 9: So I'm the.
Speaker 10: First time homeowner, and you know, I don't know how
Speaker 10: everything works. I just want to know if I have,
Speaker 10: like a good case here or now?
Speaker 5: Is this a new home or a used home?
Speaker 11: It is a used home.
Speaker 10: It is built from nineteen sixty.
Speaker 4: Five, and it was built in nineteen sixty five. And
Speaker 4: you bought it from someone selling it or was it
Speaker 4: vacant as they were selling it, I believe, and they
Speaker 4: were living in it up till they sold it.
Speaker 10: Yes, but I've lived in my home for like the
Speaker 10: last three years now.
Speaker 5: Oh so you've been there for three years?
Speaker 12: Yes?
Speaker 5: Okay, So what's going on? What can we help you with? Yeah?
Speaker 10: So you know, we had a hail storm and all
Speaker 10: that good stuff. I filed a claim and you know,
Speaker 10: the adjusters came out, they wrote me a check and everything,
Speaker 10: and basically it's my roof. And then I have like
Speaker 10: a little like side area, like a side patio with
Speaker 10: a metal roof. And the issue that I'm having is
Speaker 10: with the metal roof section.
Speaker 5: So what's the issue?
Speaker 10: The issue is the way they installed it.
Speaker 4: So and did they install that? How long ago did
Speaker 4: they install it?
Speaker 5: Do you know?
Speaker 10: They installed it back in April, so I have like
Speaker 10: a little timeline there, so you know, back in April
Speaker 10: of nineteen they came and installed the roof and then
Speaker 10: one week later, on the twenty ninth, you know, it
Speaker 10: rained a little, and we.
Speaker 4: Just we started knowing, No, you didn't have this done.
Speaker 4: This is the previous owner. Previous owner had had the
Speaker 4: metal roof done in April of twenty nineteen.
Speaker 10: No, no, they I don't know when they had this
Speaker 10: like metal roof done. The metal roof was already there
Speaker 10: when I moved in.
Speaker 4: So then what's April of twenty nineteen. What's April twenty nineteen.
Speaker 10: Not April twenty nineteen, but this upcoming April nineteenth.
Speaker 5: So oh, I'm sorry, okay, keep going.
Speaker 10: Nineteen. Yeah, April nineteenth, we had this team come and
Speaker 10: install like new metal roofs because the damage due to
Speaker 10: the hail.
Speaker 5: I get it.
Speaker 4: I'm sorry, Okay, on April nineteenth, you had a new
Speaker 4: that you okay, So keep going.
Speaker 5: I'm sorry.
Speaker 10: No, no, that's okay. So they came in installed this
Speaker 10: new metal roof along with my other routine. They just
Speaker 10: installed everything, and then on April twenty ninth, one week later,
Speaker 10: it started to rain and I just noticed there was
Speaker 10: rain drops coming down like in between the metal sheets.
Speaker 10: You know, so previously I.
Speaker 4: Didn't now when you say in between the metal sheets.
Speaker 4: How could you see that? Where's this metal roof? Is
Speaker 4: it over a garage?
Speaker 10: It is where my like I have like a small
Speaker 10: little like patio out front. So it just basically this
Speaker 10: metal roof just kind of covers the patio.
Speaker 5: I got it, Okay, over the patio.
Speaker 4: So when you're underneath it, you looked up and saw
Speaker 4: water coming between the sheets where.
Speaker 10: Water was just dripping in between the sheets.
Speaker 5: Got it?
Speaker 10: Yeah, yeah, so it was dripping, and I'm like, you know,
Speaker 10: we didn't have this problem before they replace replace the.
Speaker 5: How bad was it dripping? How bad was it dripping?
Speaker 10: Very minimal like it was there was just small little drip,
Speaker 10: you know, like okay, but water was still just flipping
Speaker 10: through and with the roofs, you know, So then what
Speaker 10: especially if we didn't have that issue. So we called
Speaker 10: them again. We're like, hey, you know, we noticed this,
Speaker 10: can you come and fix it?
Speaker 5: Sure?
Speaker 10: So they're like, sure, we'll come and fix it.
Speaker 5: Yeah, because I mean it was only a week old, right.
Speaker 10: Exactly won't a week old?
Speaker 13: And so.
Speaker 10: You know, yeah, we told them that they needed to
Speaker 10: fix it. And then not only that, like we actually
Speaker 10: talked to our guy. We were like, hey, you know
Speaker 10: we kind of have like little concerns about the structures.
Speaker 10: I don't know what they did, but they must have.
Speaker 10: The way that they installed it, like there was like
Speaker 10: some sort of like ship, Like we can see scrapes
Speaker 10: of our where our old gutter used to be. I
Speaker 10: don't know how to explain it, but like there was
Speaker 10: they changed some sort of structure, you know, because we
Speaker 10: have like scrapings and I wish I could show you
Speaker 10: guys videos. We took pictures of all this, but like
Speaker 10: we just told them, we think that they kind of
Speaker 10: changed the structure a little, like they must have had
Speaker 10: to lower it down to put like the new roof on,
Speaker 10: and water was getting trapped in and we believe that's
Speaker 10: why water was dripping.
Speaker 4: Okay, really, what matters is this The roof shouldn't be leaking.
Speaker 4: Let's just simplify it.
Speaker 5: So what do they say they're going to do.
Speaker 10: So they said that they would come in fix it again.
Speaker 10: So a month later they came back to fix it,
Speaker 10: and we're like, okay, cool. Then in July, so this
Speaker 10: is two months later, it rained again and.
Speaker 4: Water was into so wait, so they said they fixed it,
Speaker 4: but it happened again.
Speaker 10: It happened again, and now it's even worse, it's even uglier, Like.
Speaker 5: How did they when they came to fix it? What
Speaker 5: did they do?
Speaker 10: They just uninstalled it, so like they removed the metal
Speaker 10: sheets off and it looks like they just replaced it
Speaker 10: again or I don't know if they're replaced it. I
Speaker 10: didn't wash process, but it looks.
Speaker 5: Like all right, hold on a second, Hold on a second.
Speaker 4: I think I want to get I want to get
Speaker 4: our roofing expert on someone from Excel Roofing, because I
Speaker 4: have some mind, I have some questions. So Kathy, I'm
Speaker 4: going to put you on hold Kaschina, let's try to
Speaker 4: get Excel either Jay or Henry. I have a quick
Speaker 4: question on that because I.
Speaker 5: Have a feeling.
Speaker 4: I have a feeling I know what's going on. I'm
Speaker 4: not positive, but I think I know what's going on.
Speaker 4: So just hang in there now, Mark, are you connected?
Speaker 5: Yeah?
Speaker 12: Yah?
Speaker 5: Yah? Are you on your camera? No? Not yet, I
Speaker 5: got to get that out. Give me a few all right.
Speaker 4: I want you to listen to this one though, coming
Speaker 4: up about an RV. Like I said, we both are
Speaker 4: r V ers, and but this you're more recent than
Speaker 4: I am. Dave has an RV refrigerator issue. Go ahead, Dave,
Speaker 4: what's going on?
Speaker 13: Hey?
Speaker 14: Good morning, morning, Hey Dave, I was working on my
Speaker 14: own RV runs on electric in LP, and how old
Speaker 14: is your RV?
Speaker 5: What kind is it?
Speaker 14: To Winnebago twenty twelve, thirty five plots?
Speaker 5: Okay? Got it? Okay, so keep going.
Speaker 14: Dual sourced powered electric?
Speaker 11: Got it?
Speaker 5: Yeah?
Speaker 11: Well, occasionally, you know, the.
Speaker 14: LP pilot light wouldn't light. So being a handyman, I
Speaker 14: go out undo the tube and I use a compressor
Speaker 14: to blow out any cob webs.
Speaker 11: Apparently when I rehooked it up, I must.
Speaker 14: Created a leak, fired the thing back up, literally fired
Speaker 14: up and burned up by refrigerator.
Speaker 5: So my question now, what exactly hold on?
Speaker 13: What was leaking to the.
Speaker 14: Feed hose from the propane line wasn't tight enough and.
Speaker 5: It was leaking. And when you say it burned up,
Speaker 5: was it there literally a fire?
Speaker 13: Oh? Yeah? Oh yeah? Is close.
Speaker 5: So when you turned it on, when you turned it on,
Speaker 5: I mean there was a fire literally.
Speaker 14: Ye oh yeah, flames blowing up, it was building.
Speaker 5: Did it hurt anything else or just the refrigerator, just
Speaker 5: the refrigerator? Wow, only belase.
Speaker 13: I was that close.
Speaker 14: I mean I were lucky inside the Oh yeah, I mean.
Speaker 5: You So what can we do? What can we do
Speaker 5: for you? Now?
Speaker 13: Man?
Speaker 5: What's going on?
Speaker 14: I'm just wondering is that going to be covered by insurance?
Speaker 14: I had an adjust throughout yesterday.
Speaker 5: What do you think, Mark?
Speaker 4: He was working on it and and it was loose,
Speaker 4: and he started, I think it would be.
Speaker 15: I don't know why it wouldn't be, as long as
Speaker 15: you have coverage for that.
Speaker 16: Well, I'm what I would call fully covered.
Speaker 14: I haven't looked at the.
Speaker 15: Well, who's your insurance company for it?
Speaker 5: Who is it? Is it progressive?
Speaker 14: Who is its progressive? Yeah?
Speaker 15: I would think that's covered. But you know what, Brian
Speaker 15: over it. It's not our policy. Let's get Brian on
Speaker 15: he he knows about that progressive policy.
Speaker 4: Yeah, So hold on, we're gonna, we're gonna, we're gonna
Speaker 4: load up with experts today. So let's get uh, let's
Speaker 4: get compass on that one. I'm making some call notes here.
Speaker 4: Hold on, all right, bro, I'm Tom Martine. Kevin's coming
Speaker 4: up next. I'm gonna take excel roofing after the break
Speaker 4: as well. Plus we have Frank durand the real Estate
Speaker 4: Man and Stephanie Thomas.
Speaker 5: She'll be on and he'll be on talking about real estate.
Speaker 4: A lot of people are wondering if they should wait
Speaker 4: to put their house on the market or should they
Speaker 4: do it now?
Speaker 5: Does it hurt to be on the market and not sell.
Speaker 4: We'll talk about all of that coming up on the
Speaker 4: Troubleshooter Show. Go with a sure Thing Denver's Best Roofer
Speaker 4: Excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three O three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: three nine two zero sixteen twenty two. Hey Tom Martino
Speaker 4: here and I welcome you to the show three oh
Speaker 4: three seven on three Talk seven one three eight two
Speaker 4: five five. I want to go to uh Henry, I
Speaker 4: believe it's Henry. Uh Yeah, Henry at Excel Roofing for Kathy.
Speaker 4: Kathy had a metal roof put on over her patio
Speaker 4: when she had her roof replaced for hail damage, and
Speaker 4: she said she noticed water coming down, you know, because
Speaker 4: it's an open patio underneath, and she noticed water dripping.
Speaker 4: They tried to fix it, and it got worse. They
Speaker 4: actually took it off and reinstalled it. Now, Kathy, is.
Speaker 5: This roof like metal panels like four by eight panels
Speaker 5: or are they individual strips? How is this metal roof
Speaker 5: put on? Do you know?
Speaker 17: Yeah?
Speaker 10: It is a panel? I think maybe I want to say,
Speaker 10: maybe it's like three like panel like linked wise?
Speaker 5: And did they come did it come pre pre colored?
Speaker 10: Yeah? I can't remember what color?
Speaker 5: Okay, okay?
Speaker 4: So and then and I want to ask another question.
Speaker 4: Did they screw it into the wood slats above your patio?
Speaker 10: I don't know about that because I can you.
Speaker 4: See when you look up at it, do you see screwholes?
Speaker 4: Do you see screws or nails? You don't see nails
Speaker 4: or screws.
Speaker 10: Do you I don't believe I see nails and screws,
Speaker 10: But I could see like gaps. Let me just think
Speaker 10: I can pull up that picture.
Speaker 5: You actually see gaps? When you look you can see
Speaker 5: sky or a light.
Speaker 10: I couldn't see sky, but I could see like light
Speaker 10: kind of shining through it. If that makes.
Speaker 13: Sense, doesn't make clarify panels?
Speaker 5: Henry? What Henry, just.
Speaker 9: To clarify, you're seeing that light in between the panels?
Speaker 4: Correct, Hey, Henry, I wanted to ask you something. Aren't
Speaker 4: metal roofs usually put over some kind of decking with
Speaker 4: a waterproof you know? Isn't it kind of like regular
Speaker 4: roofing where you put it over you know, what do
Speaker 4: you call tarpaper or whatever that paper is you put
Speaker 4: down or the roofing sheathing over a decking or is
Speaker 4: it usually put straight like that?
Speaker 13: Yeah?
Speaker 9: Absolutely, So the standard in the code is to have
Speaker 9: either like an OSB or some sort of decking wood,
Speaker 9: and then you put your underlayment on top of that,
Speaker 9: and you put your ice and water shield down, and
Speaker 9: then your roofing material. So there are those three layers.
Speaker 4: So even if, and it's not uncommon then to have
Speaker 4: a little water, but it would flow down, right.
Speaker 5: Isn't that just the way it works?
Speaker 13: Yeah?
Speaker 9: Yeah, absolutely. It sounds to me like this is some
Speaker 9: sort of like corrugated or something. So I guess that's
Speaker 9: a good question for her. Is this something that's a
Speaker 9: little more wavy or these like strong lines, you remember
Speaker 9: what they? Is it?
Speaker 5: Okay?
Speaker 4: So is it wavy like every four inches or every
Speaker 4: six inches?
Speaker 5: I bet it's like your hangar tom trying.
Speaker 4: Yeah, ridge, there are ridges on the roof if you
Speaker 4: step back, see these roofs aren't meant to be water tight.
Speaker 4: Well they kind of are. They kind of are, but
Speaker 4: it's hard. So it was a regular shedding roof, and
Speaker 4: they replaced it exactly the way it was on there.
Speaker 4: You didn't have wood or anything underneath that metal.
Speaker 10: Right, That is correct? I did not.
Speaker 5: They replaced it exactly the way it was, Is that right?
Speaker 13: Yes?
Speaker 10: Yeah? So there like how it was. My only concern
Speaker 10: was I never had leaks?
Speaker 5: You never had a leak before?
Speaker 4: Yeah, I mean I've had I've had a roof like
Speaker 4: that put on my barn where all though I think
Speaker 4: I had sheathing on my barn mark?
Speaker 5: Do you have sheathing under yours?
Speaker 1: Uh?
Speaker 5: I don't think so.
Speaker 15: Honestly, I don't know how my metal building is. I
Speaker 15: just don't know. When you look up at the metal,
Speaker 15: I'm just wondering. I can't look up at it because
Speaker 15: I've got it.
Speaker 5: It's insulated. Oh oh oh, oh, hey.
Speaker 4: Henry, Yep, the roof should be shedding water though it
Speaker 4: shouldn't be. It should have never actually sat there and
Speaker 4: for water to drip through, should it.
Speaker 13: Yeah?
Speaker 9: Absolutely So anything that seep slope, so like a metal
Speaker 9: roof like this should be draining the water properly. And
Speaker 9: I had another question for is there any kind of
Speaker 9: decking underneath.
Speaker 5: This or can you see the bounce? There's not. She
Speaker 5: said it's metal. She can look up and see the metal.
Speaker 9: Yeah, so if it's if it's involved properly and it's overlapping,
Speaker 9: it should drain about ninety nine percent of that water
Speaker 9: off the top. But then usually we have that synthetic
Speaker 9: ice in water or underlaying it on the backside to
Speaker 9: make sure that none of it drips. And so if
Speaker 9: it is going to be exposed like that and it's
Speaker 9: not going to have any decking or ice and water shield,
Speaker 9: you know, any anything like that, it might drip a
Speaker 9: little bit, but it shouldn't.
Speaker 5: And if you are seeing.
Speaker 10: Gaps on that's a that's a.
Speaker 9: Big red flag. That shouldn't be exposing any sunlight from
Speaker 9: the bottom.
Speaker 4: Now what do they say about it when you call Kathy,
Speaker 4: what do they say about it?
Speaker 10: So when I told him about it, then they started
Speaker 10: blaming it on the structure.
Speaker 4: Wow, come on, did you tell them I never had
Speaker 4: a leak before.
Speaker 10: I did tell them that, but they just kept insisting
Speaker 10: it as a structure. But here's the thing. Then we
Speaker 10: noticed there was a dent, like a dent on the
Speaker 10: side of like the structure.
Speaker 4: And so, what do you mean a dent on the
Speaker 4: side of the structure? What side your house or the patio?
Speaker 10: It's still the patio.
Speaker 5: So it does a patio have walls?
Speaker 10: It does not. I don't know how to explain it.
Speaker 10: It has The patio is metal. So, but the side
Speaker 10: rails on the side of the patio, there was a
Speaker 10: dent like it started to dent.
Speaker 5: Could you take some pictures for us? Can you send
Speaker 5: us some pictures.
Speaker 10: Too, Yes, because I want to really show it to you.
Speaker 5: No, no, no, that's okay. I'll tell you what.
Speaker 4: If you can take some pictures and send it to us,
Speaker 4: we'll send them to Henry.
Speaker 5: Okay, yeah, what part of town are you and Kathy?
Speaker 10: I am in Colorado Springs.
Speaker 4: Oh okay, well you guys that they have an off
Speaker 4: out there. Yeah, yeah, yeah, but I mean, Henry's not
Speaker 4: going to run down there is what I meant, not today,
Speaker 4: So take us some pictures. We do have people down
Speaker 4: there though, so hang on. I want to see some pictures,
Speaker 4: and then we will get you back up and I'll
Speaker 4: show the picture on the air and Henry can.
Speaker 5: Look at it as well. And let's just see what
Speaker 5: we're looking at.
Speaker 4: It's hard for me to visualize what you're talking about. Idea, okay,
Speaker 4: so just hang on though, let's get a picture. I
Speaker 4: want to I want to go to Brian Burns with
Speaker 4: Excel excuse me, with the Insurance Healthcenter dot com, which
Speaker 4: is Compass Insurance Group. They do free insurance checkups. So
Speaker 4: we have that website, the Insurance Helpcenter dot com three
Speaker 4: oh three, nine ninety six, nine thousand. We had a question, Hey, Brian,
Speaker 4: he's got an RV. Dave's got an RV and and uh,
Speaker 4: it is a propane refrigerator along you know, it's a
Speaker 4: dual electric propane like most of them. He was working
Speaker 4: on it and when he turned it on, he probably
Speaker 4: said he says, he probably didn't have it tight enough
Speaker 4: the propane line, and it started a fire and ruined
Speaker 4: the refrigerator. Luckily, he confined he was able to turn
Speaker 4: it off immediately and confine the damage to the refrigerator.
Speaker 4: Would his Progressive and Aran's policy cover that if it
Speaker 4: was stupidity? I don't mean that by the way, Dave,
Speaker 4: I'm sorry, I shouldn't use that word. If it was
Speaker 4: owner caused by mistake.
Speaker 16: Yeah, even if you make a mistake, if you if
Speaker 16: it's an accident or whatever it is, you still have
Speaker 16: coverage for that kind of loss. You're just not covered
Speaker 16: if that they did to be intentional, which obviously is
Speaker 16: not a case here. But uh, that's that's where it
Speaker 16: can get where there's no coverage, is if it deemed
Speaker 16: something to be an intentional lost. But just mistakes, you know,
Speaker 16: even if they are are ones that you maybe you
Speaker 16: should know better or whatever, those still can be covered
Speaker 16: underneath the policy.
Speaker 5: Yeah.
Speaker 15: That's the whole purpose of getting insured, right right right?
Speaker 16: Yeah, people, I've had losses that you wouldn't believe they
Speaker 16: still covered where you would you would. I had someone
Speaker 16: start a fire by trying to light a cigarette with
Speaker 16: a broken toaster and it burned their whole house and nice.
Speaker 5: Now I want to ask you something, what's your deductible.
Speaker 13: Dave, Well, I.
Speaker 14: Thought it was a thousand, but then when I looked
Speaker 14: up my policy, it's actually two fifty.
Speaker 5: Man, is that crazy? You should change that? But now
Speaker 5: that it is too fairy, how much is this whole
Speaker 5: thing going to cost a fix?
Speaker 14: Seven thousand dollars?
Speaker 5: Yeah, well it's worth a claim, isn't it. Is he
Speaker 5: going to get arged on this line?
Speaker 16: No, that's a comprehensive loss, so I wouldn't even worry
Speaker 16: about it.
Speaker 5: Yep, I put in the claim. Dave got to fifty.
Speaker 10: He said deductible was adjuster out.
Speaker 14: I had the adjuster out yesterday, and he kind of indicated,
Speaker 14: He goes, I just want to prepare you. He goes,
Speaker 14: I don't think this is going to be covered, and
Speaker 14: I said why wouldn't it be? And we kind of
Speaker 14: talked back and pay.
Speaker 5: Wait wait, wait right? Why yeah, why wouldn't it be?
Speaker 14: He kind of was alluding to, well, if you work
Speaker 14: on your own car and you put your oil filter
Speaker 14: in wrong and it drained out, you ruined your engine.
Speaker 10: That wouldn't be covered.
Speaker 14: Quiet, but yeah, this is a this isn't oil.
Speaker 5: This was a fire, and yeah it was.
Speaker 16: This is a fire. That's a different circumstance. Yeah, let's
Speaker 16: see what happens if they give you a denial letter,
Speaker 16: you know, give me a call or fax over or
Speaker 16: send it over to me, Email it over to me,
Speaker 16: just so I can take a look and we'll see
Speaker 16: if there's anything we can do.
Speaker 5: Out of curiosity.
Speaker 4: Out of curiosity, what are you paying a year for
Speaker 4: insurance on that?
Speaker 11: I think it's twelve hundred bucks.
Speaker 5: And what's the value of.
Speaker 14: Yourv Oh, it's probably seventy five thousand.
Speaker 4: Okay, all right, you might want to consider a higher deductible,
Speaker 4: but in this case, it did you well, I gotta
Speaker 4: I gotta take a break.
Speaker 5: Three oh three seven one three talk. By the way, Compass.
Speaker 4: Insurance for those check ups zero three nine nine six
Speaker 4: nine thousand. That's zero three nine nine six nine thousand.
Speaker 4: Genesis Total Exteriors can help you with your storm damage
Speaker 4: all on one invoice if you're still waiting for storm
Speaker 4: damage to be fixed, or they turn their attention to
Speaker 4: inside as the weather gets colder. They can do kitchens, bathrooms, basements.
Speaker 4: Genesis Tootalexteriors dot Com go with a sure thing Denver's
Speaker 4: Best Rufer Excel Roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance. Pay too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three oh three seven seven to one help. You'll think
Speaker 4: you're his only customer when you choose Frank Durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 5: Hi Tom, I'm Martino here.
Speaker 4: Three three seven one three talks seven one three eight
Speaker 4: two five five.
Speaker 5: Welcome to the show.
Speaker 4: By the way, let's just say hi to Frank Durandi
Speaker 4: Realestateman dot com. He he joins us with Stephanie Thomas.
Speaker 4: And then we got Marky Mark on the lower here.
Speaker 4: I got him up now, so the gang's all here, Mark,
Speaker 4: So Frank. Average time on market, hold on, let me
Speaker 4: get the mics on.
Speaker 5: Go ahead, sir, sure.
Speaker 2: So the median days we're seeing it twenty six days,
Speaker 2: average days over thirty. I don't have the exact number,
Speaker 2: but I know one thing we've been seeing is more
Speaker 2: inventory hitting the market, no more buyers buying. We're sitting
Speaker 2: around three point six months in inventory tom and it's
Speaker 2: about twenty eight days on yeah, median. But I would
Speaker 2: say this too. I would say this too. I saw
Speaker 2: a lot of people kind of holding off wait and
Speaker 2: to see about elections.
Speaker 5: I happens every time. That happens every time.
Speaker 2: But I tell you this, it's gonna be very interesting
Speaker 2: to see what happens after the first of the year.
Speaker 2: The FEDS are talking about gradually dropping rates throughout the year.
Speaker 2: I personally think we're going to see a nice uptick
Speaker 2: in the market going into March April May. This last year,
Speaker 2: we hit our peak in April time. We usually hit
Speaker 2: it in June. I think we'll see a better market
Speaker 2: come down the stretch in twenty five.
Speaker 4: Okay, Stephanie Thomas from the Springs area, your average time on.
Speaker 6: So I pulled some stats this morning on our active properties.
Speaker 6: That way we could see what the actual days on
Speaker 6: market are for those and my single families in Colorao Springs,
Speaker 6: I'm at eighty two days on market.
Speaker 5: Wow, So it's quite a bit slower.
Speaker 6: Absolutely, And the condo town home patio homes, I'm at
Speaker 6: ninety six there. So we're definitely seeing things slow down and.
Speaker 15: Those are numbers in both areas, right, guys. In other words, Stephanie,
Speaker 15: that's not just your numbers compared to Franks, that's Colorado
Speaker 15: Springs compared to Denver.
Speaker 8: Correct, that is Colorado Springs.
Speaker 5: Why is it there?
Speaker 15: Only my god, I mean, I'm like smacking between both
Speaker 15: of them.
Speaker 5: How are they so different like that? I don't get it.
Speaker 6: You know, if I pull the car Report, which shows
Speaker 6: from some sold properties year over year, the numbers are different.
Speaker 6: So I actually went and looked at everything currently active
Speaker 6: on the market and pulled what those average days are,
Speaker 6: so just to kind of indicate the most current activity
Speaker 6: we're seeing.
Speaker 4: Okay, so basically this time of year is always slower,
Speaker 4: but it's even slower than slower.
Speaker 5: Yeah, we see that seasonal dip between the holidays, Tom.
Speaker 2: But you know, at the same token, I'm finding its
Speaker 2: price point to price point, area to area. Because I
Speaker 2: had a couple of million dollar properties. We had moved
Speaker 2: those within about a week, had strong demand on them.
Speaker 2: The condo market's been a lot tougher, and those are
Speaker 2: lower price.
Speaker 4: Well, I think people are hearing about all the nightmares
Speaker 4: with insurance and and appraisal not appraisal, Yeah, assessments I
Speaker 4: meant and all of that that that listen, living like
Speaker 4: this is going to be a nightmare soon, you know
Speaker 4: they have I don't know what to say. People are thinking,
Speaker 4: I don't want to make assessments. I don't want to
Speaker 4: have high dues. You're gonna have one or the other.
Speaker 5: You're gonna have.
Speaker 15: What are the people paying for that mortgage?
Speaker 13: Now?
Speaker 15: What is the interest rate at guys?
Speaker 2: Well, I just spoke to Craig this morning, and I'll
Speaker 2: tell you what we're seeing. The conventional it was it
Speaker 2: was pushing around seven now around six and three quarters
Speaker 2: FHAVA low six.
Speaker 5: Is at this point. So it's been a little back
Speaker 5: and forth.
Speaker 4: Friends, Kevin wants to talk about terminating from a job.
Speaker 4: Never a pleasant conversation. Kevin, what's going on with you, sir?
Speaker 4: What's what can we do? I hope we can help you, man.
Speaker 12: Yeah, so I let go about two weeks ago. There's
Speaker 12: two tests that happened.
Speaker 5: Were you fired or laid off? Or is there a difference?
Speaker 5: Fired five weeks ago? Was it without cause?
Speaker 13: Yeah?
Speaker 12: They gave me a choice. They gave me a choice
Speaker 12: to either retire or be fired, and I chose to
Speaker 12: just go ahead and be fired.
Speaker 5: Why why did you try to do that route?
Speaker 12: Because I could collect unemployment? Oh okay, and and then
Speaker 12: plus might find you.
Speaker 5: By the way, what do you mean, how old are
Speaker 5: you for retiring?
Speaker 12: I'm I'm fifty five.
Speaker 5: Okay.
Speaker 4: So so they gave you a choice and you said,
Speaker 4: just fire me. Did they give you a reason? Yeah?
Speaker 12: There's two tests that have to be passed. One test
Speaker 12: is ThReD percent has to be one hundred percent. Second
Speaker 12: one has to be ninety.
Speaker 5: And what kind of test? What work? What work do
Speaker 5: you do?
Speaker 13: It's with the white rail, okay?
Speaker 5: And what kind of test is it? Like you, what
Speaker 5: do you have to do?
Speaker 11: Uh?
Speaker 12: So the first test it has to be done with
Speaker 12: flagging trains and stuff like that.
Speaker 10: That one has to be passed with a hundred tents.
Speaker 18: And so that test there is an individual I was
Speaker 18: I was waiting, and they scored the test and one
Speaker 18: individual missed one and he gave him an opportunity.
Speaker 12: To change the the answer, and so we took the
Speaker 12: second test.
Speaker 5: You were actually saying you actually saw this.
Speaker 12: Yes, I actually saw it. And so the second test
Speaker 12: we took and I didn't pass.
Speaker 10: And the second test.
Speaker 12: Has to do more with t which is pretty much
Speaker 12: all the alignment. And I didn't pass that when I
Speaker 12: got eighty nine, and I didn't know he let us
Speaker 12: review it, but I didn't actually bring my glasses, so
Speaker 12: I didn't I wasn't able to look at was just
Speaker 12: like the red marks.
Speaker 13: Okay, so he took.
Speaker 12: So then he took the test, or he took the
Speaker 12: test from us, and I had to return like two
Speaker 12: weeks later to sign off on some of the paperwork
Speaker 12: that has to be signed off on. So I signed
Speaker 12: off on that, and he said, oh, by the way,
Speaker 12: you didn't pass the test, you had to retake the test,
Speaker 12: and so I wasn't prepared. I didn't have my glasses
Speaker 12: with it because the first time I didn't take my
Speaker 12: glasses too, just because.
Speaker 5: The fact that, so where do we stand? So you
Speaker 5: were fired, but it was for not passing the test.
Speaker 5: So what are you calling about? What can we do
Speaker 5: for you?
Speaker 12: Well, the first person was able to change his answer.
Speaker 12: Why wasn't I given that ability to change one answer,
Speaker 12: or at least at that time when I didn't pass,
Speaker 12: least be notified.
Speaker 5: Was it only?
Speaker 4: Okay, let's make sure we're comparing apples with apples. You
Speaker 4: both missed one question on the same test.
Speaker 5: No, well there's your answer. Okay, Bye, I'm sorry.
Speaker 15: That was like a riddle. The guy was telling you
Speaker 15: a riddle.
Speaker 4: I mean, if they didn't both they I don't even
Speaker 4: know if they both missed this, you know, not the
Speaker 4: same but one. But he said no, so I don't
Speaker 4: understand what he was talking about. If he missed more
Speaker 4: than one, there's the reason.
Speaker 5: I'm not so sure it even matters.
Speaker 15: I mean, if I'm speeding and the guy next to
Speaker 15: me is speeding, and I get a ticket and the
Speaker 15: other guy, my defense is not the other guy didn't
Speaker 15: get a ticket.
Speaker 5: Although I would.
Speaker 4: Say, though, if you were taking a test, let's say,
Speaker 4: and you both got one wrong and the other guy
Speaker 4: was given an opportunity and you weren't, Even though there.
Speaker 5: Might not be a law to point to, that just
Speaker 5: seems weird to me. Yeah, but there could be more
Speaker 5: to it. We don't know.
Speaker 15: Yeah, that's true. It would be a different question. I mean,
Speaker 15: his question could have been, if a train's coming, should
Speaker 15: I move out of the way?
Speaker 5: Bill, do you have what is the issue with a divorce? Bill?
Speaker 13: Well, my wife took everything and she got six hundred
Speaker 13: and sixty six thousand.
Speaker 4: And Okay, hold on, then hold on. The real important
Speaker 4: question is this, did she get remarried?
Speaker 5: I'm just kidding.
Speaker 4: Hold on a second. I don't mean to joke with you. Bill,
Speaker 4: Hang on and we'll come back and talk to you
Speaker 4: about it. I don't know how that happens. Six hundred
Speaker 4: and sixty six thousand dollars and you got nothing?
Speaker 5: Is that what you're saying? Bill? Now, we'll talk to
Speaker 5: him right after this.
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Speaker 5: Tom Martine here, let's talk to Bill.
Speaker 4: Bill, you have an issue with a divorce. What you
Speaker 4: say is that your wife got everything. So how long
Speaker 4: ago was this divorce?
Speaker 5: Bill?
Speaker 4: Make Camp okay, and how much total was your estate worth?
Speaker 4: I mean you and your wife put together? What what
Speaker 4: was your total net worth?
Speaker 13: My wife member did nothing?
Speaker 4: She is no, no, no, I'm not asking if she I'm
Speaker 4: not asking if she did nothing or not? Go with
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Speaker 4: Please time for an insurance check up free, no obligation
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Speaker 4: oh three nine two zero sixteen twenty two.
Speaker 1: Yeah, RiPP, you need that so you don't have.
Speaker 5: Come run instant as we can. Shooter's gonna help.
Speaker 3: Come Man Dix is the Troubleshooter Show. No Tom Martino, Hey.
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Speaker 4: Frank durand the real estate man's with us, Stephanie Thomas,
Speaker 4: also Stephanie re dot com or Frank durand there estate
Speaker 4: man dot com. We were talking real estate and I'm
Speaker 4: going to go to the phones, but I have a
Speaker 4: quick question from someone. And they said, if now that
Speaker 4: the commission structures have changed, and I'm not so sure
Speaker 4: they changed.
Speaker 5: All the law said was you.
Speaker 4: Can't have fixed commissions and they have to be negotiable.
Speaker 4: And as to who pays and how much they pay?
Speaker 4: Is that bottom line is that what they did.
Speaker 5: Tom, You got it right.
Speaker 2: In fact, the funny part is Colorado has always been transparent.
Speaker 2: That happened in Saint Louis where I think if, in
Speaker 2: my opinion, if they would have used contracts the way
Speaker 2: we do out here, I don't think that would ever happen.
Speaker 4: And I think it's funny anyway, because if a seller
Speaker 4: knows they're going to have to pay commission, or a
Speaker 4: buyer knows they're going to have to pay a commission
Speaker 4: of some kind, if they do, they're going to account
Speaker 4: for it in their budget.
Speaker 5: It's not like they manufacture extra money.
Speaker 6: Right, And like Frank said, it is very clear on
Speaker 6: our contract it's.
Speaker 5: Split, but it doesn't have to be slit.
Speaker 6: No, no, But commissions have always been negotiable.
Speaker 8: That's the misconception.
Speaker 6: It's always been negotiable between your agent and the Now.
Speaker 4: That wasn't the question for the text. I just that
Speaker 4: was a preface for me to understand the question. The
Speaker 4: person wants to know if they go to somebody who
Speaker 4: both sells their house and helps him buy one, do
Speaker 4: they get a break? And as you said, it's always negotiable.
Speaker 5: Correct, Yeah, that's just case by case, Tom, Really.
Speaker 4: Yeah, I mean I mean, if you're gonna do both
Speaker 4: for somebody, obviously you want to treat him right, right, Absolutely, Okay. Now,
Speaker 4: Bill said he was married forty five years, he got
Speaker 4: a divorce, had to sell his farm, and his wife
Speaker 4: got mostly everything. Bill, I want to ask a couple questions. Now,
Speaker 4: you were married for forty five years and your wife
Speaker 4: did you have any kids during that time?
Speaker 5: Bill?
Speaker 13: Two? One is me mine? Maybe neither one? Blount the
Speaker 13: next con.
Speaker 4: Okay, hold on, So your wife stepped out on you
Speaker 4: during the forty five.
Speaker 13: Years many times, and so she filed.
Speaker 5: For divorce or did you file for divorce? Bill?
Speaker 13: She filed. I didn't know anything about it. I got
Speaker 13: a phone call one day. The guy wanted to know
Speaker 13: where I was at to serve me and my pay.
Speaker 4: Okay, you had no idea, now, but you guys were
Speaker 4: living together at the time.
Speaker 13: Of course, I built the house, I built the shop,
Speaker 13: I bought the farm. That's all paid for.
Speaker 4: Now, okay, So you had to sell it and this
Speaker 4: was this.
Speaker 5: Was in May.
Speaker 13: I still the farms in my name. She's trying to
Speaker 13: get it in her name so she can sell it
Speaker 13: care Okay.
Speaker 4: So actually, then no money, no money has actually been
Speaker 4: a warded.
Speaker 5: Yet, is that right?
Speaker 13: I don't know. She's got a cork at the attorney
Speaker 13: out of four morganize.
Speaker 4: Okay, but Bill and Bill, okay, I understand the commentary
Speaker 4: and all that. I need to if you need some help,
Speaker 4: I need to get some straight answers. You said that
Speaker 4: your wife got six hundred sixty six thousand dollars.
Speaker 5: What did you mean by that?
Speaker 13: Well, see is a corner to her attorney in Fort Morgana.
Speaker 13: It's all I know.
Speaker 4: But the divorce has not hold on. The divorce has
Speaker 4: not gone through yet. Is that correct?
Speaker 13: A tempt? It was none. Supposedly there was a final
Speaker 13: decree from some magistrate.
Speaker 5: I understand that.
Speaker 4: But but you didn't even sell the farm. So what
Speaker 4: did the decree say? Usually here's what a decree says that,
Speaker 4: and they're gonna saying, okay, she works, Bill, you have
Speaker 4: no idea what the court order was for the final decree.
Speaker 13: No, she still has my gun collection. She's totally keys
Speaker 13: out of my tas.
Speaker 5: But are you living? Are you living at the farm?
Speaker 3: No?
Speaker 13: I live in a friend's house I was in.
Speaker 5: Is she living on the farm? Is she living on
Speaker 5: the phone?
Speaker 4: Oh?
Speaker 13: Yeah, that's all hers.
Speaker 15: Supposedly you got a case number, man, Yeah, we got
Speaker 15: to look at.
Speaker 5: Some im having something You don't even know the case. Snupper, Steve,
Speaker 5: don't tell you something about MS.
Speaker 13: Yes, I have m MASS and I fell out of
Speaker 13: my pickup on my walk or broke both legs. And
Speaker 13: I've been in a nursing home. I was in Regent
Speaker 13: Park and Greeley until that's there because they embezzled over
Speaker 13: twenty thousand dollars my debit card.
Speaker 5: Nowian insane. Where are you right now? Bill?
Speaker 13: I'm in the big town of Proctor, Colorado.
Speaker 5: Okay, but you're staying with a friend or what?
Speaker 13: Yeah?
Speaker 5: Are you on Social Security?
Speaker 13: Yeah? Okay, that's what you.
Speaker 5: And you don't have any You don't have any money
Speaker 5: whatsoever other than social Security.
Speaker 13: That's it.
Speaker 5: Yeah. But you farmed. You farmed, You farmed from mechanic
Speaker 5: Bill years.
Speaker 4: Bill helped me out here, bro armed and were a
Speaker 4: decel mechanic for fifty years.
Speaker 5: You paid off the farm. You're telling me your.
Speaker 4: Wife filed for divorce and got absolutely everything. You got nothing,
Speaker 4: and you have no paperwork and you have no idea
Speaker 4: what the divorce decree says.
Speaker 5: And someone else, at least them out of twenty grand Bill.
Speaker 5: What we need to do?
Speaker 4: Okay, the first thing we need to do is look
Speaker 4: at the divorce to the actual court order.
Speaker 5: Okay, so we need you don't even have a case number.
Speaker 13: You're saying right, Stephen Shannon is a retired judge in Storming,
Speaker 13: and he said he would help me do this, but
Speaker 13: I haven't heard anything.
Speaker 5: What is his name?
Speaker 13: Stephen Shin? As a ginn he was.
Speaker 4: How did you find Stephen Shinn? How did you find
Speaker 4: Stephen Shin?
Speaker 13: My neighbor is a good friend. They sing to you, okay,
Speaker 13: they go to nursing homes and whatever, and he got
Speaker 13: me connected with Stephen.
Speaker 5: Did you ever talk to Steven?
Speaker 13: No, I haven't. My neighbor does it?
Speaker 5: I just so you never talked to Steven yet you've
Speaker 5: never how about your neighbor. Does your neighbor have your
Speaker 5: case number?
Speaker 9: No?
Speaker 13: I would have to Stephen chen. I gave him all
Speaker 13: of the court records and everything.
Speaker 5: But you said you never talked to Steven Shinn.
Speaker 13: Well, I talked to Jim, who talks to Steven, and
Speaker 13: Jim I told him, you know, I would go in
Speaker 13: and get whatever they needed and I got a copy
Speaker 13: of the case and everything.
Speaker 4: And okay, so you don't have any You don't have
Speaker 4: your own copy you just gave everything to the Stephen Shinn.
Speaker 13: Right, yeah, yeah, and Jim and then he gave it
Speaker 13: Stephen Shin.
Speaker 4: Now, do you have a phone number for Jim? Hold on,
Speaker 4: do you have a phone number for Jim? I don't
Speaker 4: want it on the air, but do you have it?
Speaker 13: Yes?
Speaker 4: Okay, we need to get somebody, a deputy to call
Speaker 4: Jim and get to the bottom of this, just so
Speaker 4: we can get some records.
Speaker 5: Bill.
Speaker 13: Okay, Yeah, there's a lot of stuff that Steve and
Speaker 13: Chen said he would like to have, but he's not.
Speaker 13: He's retired. He can't just go get it now.
Speaker 5: Well, he can't walk, actually anyone can, but so you
Speaker 5: can't walk right now?
Speaker 13: Oh, I can get around real slow in a walker.
Speaker 13: I got four.
Speaker 5: Now does your does your ex wife live at the
Speaker 5: farm with a man?
Speaker 4: Oh?
Speaker 13: Yeah, drug dealer. All of a sudden, my telephone has
Speaker 13: her cell number in it, which is I guess her boyfriend.
Speaker 13: I don't know. He thinks he gets that hit farm
Speaker 13: as his and they can't get indeed and her name
Speaker 13: or his name because I bothered before we were married.
Speaker 13: It's my forum. I paid it off.
Speaker 5: I own it, but you said the court according to
Speaker 5: her attorney. The court gave them the farm, right.
Speaker 13: Well, six hundred and sixty five thousand, I hope you know.
Speaker 13: But she's you know, she's drunk. She's drunk. I guess
Speaker 13: every day.
Speaker 4: My granddaughter, she's drunk, and she lives with a drug addict.
Speaker 4: And she cheated on you and had a kid.
Speaker 13: Right that I know of?
Speaker 5: Yeah, a country western song and and and the amount
Speaker 5: of money is six sixty six. This is like a joke,
Speaker 5: sign of the devil.
Speaker 4: So she was a water she was your order to
Speaker 4: pay sixty six six, six hundred and sixty six thousand dollars.
Speaker 13: I think she's trying to get the whole farm all
Speaker 13: my equivalent. I was self employed after sixty years of
Speaker 13: being a fiwo, five years being a mechanic.
Speaker 5: You know, Bill, this sounds dreadful. Seriously, even if a
Speaker 5: tenth of this is true, it just you're all alone
Speaker 5: right now? Do you what about your child? Do you
Speaker 5: still see your kid?
Speaker 13: My granddaughter and I have two sons. Suppotedly one son
Speaker 13: got married. I wasn't invited.
Speaker 4: But you said one son, you weren't the biological dad, right, Well,
Speaker 4: he said he did a the NA test before he
Speaker 4: got married.
Speaker 13: And I was his dad. The only one refuses to
Speaker 13: do at the NA test, and she is fighting it well.
Speaker 4: And the other one, the other one you think, you
Speaker 4: think the other one was fathered by someone else.
Speaker 13: I do. He's one of his wife is behind all this,
Speaker 13: trying to get my farm for nothing.
Speaker 5: How old are you, guys? You want your wife? How
Speaker 5: old are you guys?
Speaker 13: She's sixty I think, and I'm sixty nine.
Speaker 4: Okay, hold on, man, need to get Kitschina. Let's give
Speaker 4: this to one of our Hey, bo, are you there.
Speaker 4: Let's or a dollar. No, I want dollar to do this.
Speaker 4: I want Dollar to talk to Uh yeah, I'm here Tom,
Speaker 4: a deputy Dollar. Let's talk to Jim, his neighbor or
Speaker 4: his previous neighbor, whatever, and see if we can just say, look,
Speaker 4: all we're trying to do is help Bill understand what's
Speaker 4: going on. If we could get a copy of those
Speaker 4: papers or whatever, and let's see if we can do that. Okay,
Speaker 4: we got more coming up on The Troubleshooter Show. Three
Speaker 4: oh three seven one three talk seven one three eight
Speaker 4: two five five. Dan mackenzie and is an estate planning
Speaker 4: attorney and he does things in a in a really
Speaker 4: cool way he has. He's very creative. He has a
Speaker 4: one on one a boutique law firm. You'll get personalized attention.
Speaker 4: He knows all about trusts, offshore trust, irrevocable trust, regular wills,
Speaker 4: whatever you need to protect yourself and to make sure
Speaker 4: your heirs get what you want them to. Dan McKenzie
Speaker 4: McKenzie Law, and here's the number. And he's really a
Speaker 4: cool guy. Eight three three co plans eight three three
Speaker 4: co plans. Go with a sure thing Denver's Best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three oh
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank Durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Martino, your troubleshooter at three oh three seven
Speaker 5: one three talks seven one three eight two five five. Jim,
Speaker 5: what's going on on?
Speaker 13: Man?
Speaker 5: What's happening. How are you doing, Tom, I'm doing good, Jim.
Speaker 5: How can we help you?
Speaker 13: Well?
Speaker 11: I had a son, he's twenty eight years old. He
Speaker 11: was he was born with a genetic disease called fat
Speaker 11: you won't add noos coloposis. And what happened is he
Speaker 11: ended up having.
Speaker 5: Now he was born with this. He was born with this. Jim.
Speaker 11: Well, it's a genetic disease.
Speaker 13: Okay, okay.
Speaker 5: And how old is he now?
Speaker 11: He's twenty eight Okay. I have a daughter that's thirty
Speaker 11: two years old and she has it as well.
Speaker 5: Oh my goodness. Okay.
Speaker 11: So what happens is they end up having to take
Speaker 11: the large intestine out because it's so full of cancerous polyps.
Speaker 5: My god.
Speaker 13: I end up happening to go back.
Speaker 11: Into the doctor who's a gas perinologist every month or so,
Speaker 11: so that they can stick a scope up there and
Speaker 11: you see if there's more polyps that there are, then
Speaker 11: they take them out.
Speaker 5: Yeah.
Speaker 11: Well, the doctor he had, he decided he was going
Speaker 11: to try something he hadn't done before, and he went
Speaker 11: in and he told my son in the hospital, which
Speaker 11: my son was recording this, and he told my son
Speaker 11: he says, you know, he said, I think I made
Speaker 11: a mistake. He says, I went in and I burned
Speaker 11: everything in there. I burned all them polyps out.
Speaker 10: Well, he had what's called a J pouch.
Speaker 11: And what a J pouch is is they take part
Speaker 11: of the small intestine and they make it into a
Speaker 11: pouch they sewed up and they connect it to the
Speaker 11: you know, to the rectum again, so he could live normally.
Speaker 5: Now this was done. Hold on, this was done before
Speaker 5: he went to that doctor.
Speaker 11: Uh the well the aria, I guess that part was
Speaker 11: done before he went to that doctor.
Speaker 5: Okay, And that doctor then undid all of that work.
Speaker 11: Well, he decided he was going to go in there
Speaker 11: with laser and clean out all the pollops and at
Speaker 11: the same time he was going to do house cleaning
Speaker 11: inside of him, and he burned everything with the laser.
Speaker 5: I understand. So he undid the benefits of that previous surgery.
Speaker 11: Is that right, That's correct, and destroyed the J pouch. Okay,
Speaker 11: So now my son has to where it has has
Speaker 11: had a total collectomy and he has a bath.
Speaker 4: Was did he ever consult another doctor who said this
Speaker 4: was crazy?
Speaker 5: This was did the did did the doctor know that
Speaker 5: he had a j pouch.
Speaker 13: Yes he did.
Speaker 5: And why did he? Why did he? Why did he
Speaker 5: ablaze it.
Speaker 11: Because he's I think he thought that he could stop
Speaker 11: the polyops from ever coming again.
Speaker 5: Okay, but I get it.
Speaker 2: That's so.
Speaker 5: But is it malpractice? Is the question?
Speaker 13: Yes?
Speaker 5: Well, okay, hold on, Jim, doctor Jim, I'm not I'm
Speaker 5: asking did any doctor say it was malpractice?
Speaker 11: Well, he had to be flight for life to Denver,
Speaker 11: to the University hospital up there.
Speaker 4: Okay, but Jim, did he get flight for life? Did
Speaker 4: he get that right after the surgery?
Speaker 11: Well, this was done right after this, within about two
Speaker 11: months of this doctor.
Speaker 4: Okay, I get it. So within two months he was
Speaker 4: he was rushed to the hospital.
Speaker 11: Correct, Okay, he still detern he was wide open the
Speaker 11: whole way up to Denver. In the hospital, he was
Speaker 11: unconscious and the doctors had to leave him wide open
Speaker 11: because he had gang green inside. Okay, this doctor and
Speaker 11: doing everything.
Speaker 4: Okay, So did any doctors I'm going to ask this again, Jim,
Speaker 4: did any doctors say that that doctor committed malpractice or
Speaker 4: that it looked like malpractice?
Speaker 11: Well that's kind of where it gets complicated, Tom, because
Speaker 11: the doctor called me at two thirty in the morning.
Speaker 11: They said she was going to have to do emergency
Speaker 11: surgery on him. This is where he ended up with
Speaker 11: the total collectomy and take all of this out and
Speaker 11: you have very little small intestine left. So she says,
Speaker 11: who did this? It shouldn't have been done.
Speaker 13: Okay.
Speaker 5: She didn't come out to say how long ago? How
Speaker 5: long ago was all of this, Jim?
Speaker 11: Two years? Uh?
Speaker 5: Oh, you're coming up on the statute of limitations.
Speaker 11: Bro right, it's still in there. I think it's five
Speaker 11: years from.
Speaker 7: What we found out.
Speaker 5: No, it's not, No, it's not.
Speaker 4: I've never heard of a five year statute of limitation
Speaker 4: on malpractice.
Speaker 5: I mean, I don't know. I mean maybe I told
Speaker 5: you that.
Speaker 11: The well, we contacted a bunch of attorneys. I contacted
Speaker 11: one down here, that's my attorney, and he was going
Speaker 11: to handle it. So he did some research on it
Speaker 11: and said that, you know, we had a statue of
Speaker 11: limitations we were up against, and I could have sworn.
Speaker 11: He told me it was either three or five years
Speaker 11: on it. Now, my son is married, lives in Utah
Speaker 11: and he's.
Speaker 15: Had I'm sorry, how come how come that guy's not
Speaker 15: handling it? You said he was going to handle.
Speaker 11: It because he couldn't get a doctor that would take
Speaker 11: a malpractice case. You would sign off stating it was malpractice, Jim.
Speaker 5: That is that is the first requirement, right.
Speaker 11: That's why I came to you because I thought maybe
Speaker 11: you had some doctors that would look at this case
Speaker 11: and see if they thought it was malpracticed. Because they did,
Speaker 11: you're through in life.
Speaker 5: No, I don't. I don't doubt it.
Speaker 13: I don't.
Speaker 4: It could very well be malpractice, Jim. Here's the heartbreak
Speaker 4: of malpractice. First, you have to have a doctor that
Speaker 4: is willing to testify, and then you have to have
Speaker 4: other experts that are willing to testify to support that doctor.
Speaker 4: Then you have to have an attorney who will take it.
Speaker 4: And in order to do that, there have to be
Speaker 4: there have to be a lot of damages. Now, how
Speaker 4: old is your son, by the way, twenty eight? I
Speaker 4: would say he's young enough. There there would be extraordinary damages.
Speaker 4: I don't think that's going to be your problem. But doctors,
Speaker 4: I mean attorneys are very reluctant to take these cases
Speaker 4: without everything in a row because they.
Speaker 5: Have to put a lot of money up front.
Speaker 15: Well, not just that, but it sounded like you know,
Speaker 15: your kids in really bad shape to begin with. I
Speaker 15: mean he's going in to the hospital constantly. I mean
Speaker 15: it sounds like he can't work or do anything even
Speaker 15: before this. I mean, I understand how bad this is,
Speaker 15: but is that correct or can he have a job
Speaker 15: or what?
Speaker 5: Mark? Mark.
Speaker 4: One of the things with malpractice, when you come in
Speaker 4: with pre existing conditions, you have to show that it
Speaker 4: was that the malpractice made it worse than it would be,
Speaker 4: and the only damages you get is how much worse
Speaker 4: it got and how much worse off you are, So
Speaker 4: that is correct. It's not the same as a personal
Speaker 4: injury in a car accident, where if you get someone
Speaker 4: who has problems, you don't get to sale theory. Yeah,
Speaker 4: you don't get to say, hey, you had problems anyway.
Speaker 4: But in malpractice they can use that to lessen damages.
Speaker 4: So people might look at his son and say, oh
Speaker 4: my god, this poor kid. He was so messed up
Speaker 4: to begin with.
Speaker 5: How are we going to prove additional damages.
Speaker 4: Plus we can't even get a doctor to say it
Speaker 4: was malpractice. That's your biggest challenge, Jim. You can't get
Speaker 4: a doctor to say it's malpractice. You need a specialist
Speaker 4: in that area. Now you said there was a surgeon
Speaker 4: or someone who said this should not have been done.
Speaker 11: It's correct. She's the head surgeon at the hospital what's
Speaker 11: it called Oshwitz or something hospital in Denver where they
Speaker 11: play for life to and he was again he was
Speaker 11: cut wide open what he got in the helicopter. Now
Speaker 11: you say didn't do any damages afterwards, Well, he was
Speaker 11: an executive chef Okay fair restaurant. Once you have a colostomy,
Speaker 11: you can't work at a restaurant anymore because you're going
Speaker 11: to be around food.
Speaker 5: Jim, you have a chance, Jim, Jim, I understand, Jim.
Speaker 4: What I'm saying is that doctor that said it was
Speaker 4: malpractice or said it shouldn't have been done?
Speaker 13: Right?
Speaker 5: Is she willing to go on record?
Speaker 11: Well, I think she already has because she wrote it
Speaker 11: into the file. Let me again this, Let me tell
Speaker 11: you this part, because this is the heartbreak. She called
Speaker 11: me at two thirty in the morning, woke and my
Speaker 11: wife up and said, I have your son here. He
Speaker 11: has gang greed and I'm going to have to remove
Speaker 11: the jy pouch, the things that are in here that
Speaker 11: made it where he could live without a bag, and
Speaker 11: she says, I'm going to have to take that out
Speaker 11: and I'm going to give him a five to fifteen
Speaker 11: percent chance of surviving through the night. But before this
Speaker 11: doctor did the a blazement in there, he was working
Speaker 11: at a job. He's a genius, and you know he
Speaker 11: shouldn't have been done. But now it's it's more or
Speaker 11: less destroyed his life. He can't do anything, uh as
Speaker 11: far as you know working.
Speaker 5: But you're but but you have consulted many attorneys already.
Speaker 5: Isn't that so?
Speaker 11: No, just one? It's one because I have a paralyzed vet,
Speaker 11: so I can't get around as much.
Speaker 5: As a well you got you got to talk to
Speaker 5: the people who do this for a living, right I know? Yeah?
Speaker 11: Okay, an attorney that will help.
Speaker 4: Can we get Can we try to get Marco on
Speaker 4: the line? Hold on, Jim, let's try to get him
Speaker 4: on the line. Three oh three seven one three talks
Speaker 4: seven one three eight two five five. This is a heartbreak.
Speaker 4: I mean, was it malpractice? Sometimes if a treatment goes bad,
Speaker 4: it's not necessarily malpractice unless it is so uncalled for.
Speaker 5: Hang on, We're going to be back to tell you more.
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Speaker 4: Hi Tom Martino here, Welcome to the show three O
Speaker 4: three seven one three talk seven one three eight two
Speaker 4: five five.
Speaker 5: So we got some pictures of that roof repair we
Speaker 5: talked about earlier. It is bad. Can we get Marco Bendinelli,
Speaker 5: attorney at law on for Jim. Do we have him available?
Speaker 5: Did we try?
Speaker 4: Let's talk about real estate while we're waiting and uh,
Speaker 4: and we're taking your calls as well at three oh
Speaker 4: three seven to one three talk three oh three seven
Speaker 4: one three eight two five five, and I will try
Speaker 4: to get the video up of that patio that has
Speaker 4: the metal roof and you can take a look at
Speaker 4: that metal roof.
Speaker 5: Not very good, that's for dang.
Speaker 12: Sure.
Speaker 5: So anyway, what I'd like to know is.
Speaker 4: With real estate, let me go to these texts and
Speaker 4: buy and I should give out that number again. You
Speaker 4: can text me at any time at seven four seven
Speaker 4: nine nine fifty two eighty. Now what that is is
Speaker 4: my Google number that comes to my personal cell. I
Speaker 4: do it that way so I can keep it on
Speaker 4: and often you guys can contact me seven four seven
Speaker 4: nine fifty two eighty, or you can go to the
Speaker 4: short code that iHeart provides five seven seven three nine.
Speaker 5: Just put Tom in there. And it'll come to me
Speaker 5: five seven, seven, three nine. I do have a text here.
Speaker 4: When you say the average time to market, Frank, twenty
Speaker 4: eight days? Is that averager median?
Speaker 5: First, that was the medium time medium, that's that's according
Speaker 5: to That.
Speaker 4: Means that truly means you have half the houses below
Speaker 4: and half the houses above.
Speaker 13: And some of that.
Speaker 5: Thomas.
Speaker 4: Okay, so that's a lot different than average. Oh yeah,
Speaker 4: do you know what the average time on we're.
Speaker 5: Over thirty days.
Speaker 2: I don't have the exact days off the top of
Speaker 2: my head, but DeMar, the latest GAMAR report.
Speaker 4: Says the median is twenty I think, plain, Stephanie, when
Speaker 4: you said eighty nine or eighty some odd days, was.
Speaker 5: That median average? Average?
Speaker 4: Yeah, yeah, so average would be that's still that's a
Speaker 4: big average. But again, median is half above and half below.
Speaker 4: It's right in the middle there. What houses, Stephanie, are
Speaker 4: selling quicker than others in the Springs area, the Pikes.
Speaker 6: Peak area, you know, our condo town hall market. Definitely
Speaker 6: we're feeling that slow.
Speaker 5: I just so single family homes. But what what target
Speaker 5: of symbols?
Speaker 6: I don't I think it's really all over the board.
Speaker 6: Just what I'm looking at you know listings. I'm looking
Speaker 6: at listings. I'm showing you know, ones that you would
Speaker 6: think would go very fast, that are priced well, look fabulous.
Speaker 6: They might be sitting. So I think it's just ultimately
Speaker 6: that right buyer walking in the house. I don't know
Speaker 6: that there's necessarily okay to.
Speaker 5: Most people right now.
Speaker 4: Do most people come in with a lot of money
Speaker 4: down because of a previous sale or are.
Speaker 5: They on the edge?
Speaker 8: I see a mix.
Speaker 6: You know, Colorado Springs is especially because market. Yeah, and
Speaker 6: VA doesn't require any down payment.
Speaker 5: So okay, And Frank Duran in the real estate man,
Speaker 5: what's selling hot? What's hot?
Speaker 2: I'd say forty percent of what makes up forty percent
Speaker 2: of the market is that sweet spot between five to
Speaker 2: seven and fifty I'd say single family homes, Tom, that
Speaker 2: would be the about forty percent of the market. Fun
Speaker 2: But Tom, I will say this, I've had a couple
Speaker 2: of million dollar properties. We sold two different areas, by
Speaker 2: the way, and moved those within a week and had
Speaker 2: good demand on them. So some of that depended on
Speaker 2: supply and demand ratios area to area.
Speaker 4: Isn't that hard to believe that when we talk about
Speaker 4: three to five hundred thousand, we're talking about bargains. Oh yeah,
Speaker 4: anymore half a million bucks and a million dollar dollar
Speaker 4: is not some outstanding home.
Speaker 5: Sure, I mean I don't mean it like that. Of
Speaker 5: course they're beautiful homes. I'm just saying that it doesn't
Speaker 5: take much to have a million dollar home. Well, I
Speaker 5: think that's crazy, Tom.
Speaker 2: The great part is from twenty twelve a lot, even
Speaker 2: with the market being a little soft this year, a
Speaker 2: lot of sellers benefited from the years of record high appreciation.
Speaker 5: So that's been a big plus.
Speaker 2: And you know, whereas we used to see prices around
Speaker 2: three hundred thousand, that was considered a pretty nice home.
Speaker 5: Anymore, boy, I mean, now anymore you.
Speaker 2: Get to that five hundred and five seventy five, that
Speaker 2: tends to be the sweet spot now, all.
Speaker 5: Right, So I mean it is what it is. Yeah.
Speaker 5: Are we ever going to get a correction in real estate?
Speaker 5: Or is that silly to even say? Well? I think
Speaker 5: one thing, you know, Tom, better than anybody's. Real estate
Speaker 5: goes in cycles. But I don't see yah.
Speaker 4: But giant corrections are because the economy goes to crap.
Speaker 2: You don't want that. But slight corrections now, and then
Speaker 2: I don't see yeah, maybe slight. I don't see anything draft.
Speaker 2: I mean unless something geo politically changes the game or something.
Speaker 2: I don't see anything drastic coming anytime soon. I think actually,
Speaker 2: this coming year, I'm expecting to see better numbers. Better
Speaker 2: numbers mean in terms of stronger market and asation too. Yes, absolutely,
Speaker 2: because I think we're going to see inventory drop and
Speaker 2: inventory drop a bit.
Speaker 4: Thank somebody else here says they're interested in fix and flips?
Speaker 4: Is it even worth it right now? I mean, are
Speaker 4: there bargains or Stephanie, are there bargains for fix and flips?
Speaker 6: Not that I've seen that the kind of margins that
Speaker 6: your typical investor wants, they want to walk in and
Speaker 6: all in be at a much lower value than your
Speaker 6: typical market value. And what a property even needing some
Speaker 6: work with sell war on the market And.
Speaker 5: Hey, uh Kitschina, did we reach out to Marco Bendinelli?
Speaker 8: We have, we have, I haven't heard back from him yet.
Speaker 5: Okay, thank you for telling me. We have more coming
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Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi, Tom Martino, your troubleshooter three oh
Speaker 4: three seven one three Tom three zero three seven one
Speaker 4: three eight two five five. So we're having a problem
Speaker 4: Jim getting a malpractice attorney to talk to at this point,
Speaker 4: But that doesn't mean we're going to give up.
Speaker 5: Meanwhile, I think you should call You should call two
Speaker 5: law firms until we get him on.
Speaker 4: But Marco Bendinelli, it's Bendinelli Law, and I'm going to
Speaker 4: give you that number.
Speaker 5: It's eight one. It's easy to remember. One eight hundred attorney. Okay, okay,
Speaker 5: and then the other one would be go ahead, sir,
Speaker 5: I wanted.
Speaker 11: To give you one more piece of information on that.
Speaker 11: You know we were talking about proven this is malpractice
Speaker 11: and this type of thing. Well, what if the doctor
Speaker 11: walked into my son's room, which you did, and my
Speaker 11: son is also a journalist and he writes uh profiles
Speaker 11: for people's businesses. Well, he had his recorder on the
Speaker 11: doctor that did disiblation, who is not certified to do it,
Speaker 11: because we have we have special training for you.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content,
Speaker 4: wait time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two.
Speaker 1: Yeah, ripped, that's who.
Speaker 5: You don't have to.
Speaker 1: Come run in susas as we can Shooter's gonna help.
Speaker 3: Come is the Troubleshooter Show. No Tom Martine.
Speaker 5: Hey, I'm Tom Martin. You know, welcome to the show.
Speaker 4: Three O three seven one three talk seven one three
Speaker 4: eight two five five. I'm at the home studio. Marks
Speaker 4: at the home studio. Can see them there on the
Speaker 4: lower right screen if you're streaming. And then we have
Speaker 4: Stephanie Thomas from the Colorado Springs area, and Frank durand
Speaker 4: the real estate man dot com Stephanie Ari or Stephanieri
Speaker 4: dot com.
Speaker 5: Hey, we're talking real estate.
Speaker 4: We're talking anything on your mind, anything that you'd like
Speaker 4: to talk about. We're here to do and we will
Speaker 4: try to solve your problems. Right now, we had this
Speaker 4: issue with medical malpractice, and there's a strict limit to
Speaker 4: discovery when it should have been discovered or when it
Speaker 4: happened and should have been discovered, as if if any
Speaker 4: medical professionals tell you they had a problem with it.
Speaker 5: And he said when he went to Annshuetz.
Speaker 4: That it was that the woman and said this should
Speaker 4: have this doctor said it should have not been done.
Speaker 4: That would be an outside date for me in my opinion,
Speaker 4: but it's not a legal opinion. And I think that's
Speaker 4: one of the problems he's going to have. He said
Speaker 4: when he went there, his uh, his son had an
Speaker 4: oblasion done to his intestines and it ruined. Well, he
Speaker 4: has a bad, rare condition and it ruins the procedure
Speaker 4: ruins something that caused him to have to go to
Speaker 4: a colostomy for the rest of his life. So anyway,
Speaker 4: what I want to know is when did that happen?
Speaker 4: When did he go to ann Shoots.
Speaker 11: April thirteenth, twenty two. That's what she did the Total Collectory, and.
Speaker 5: That's when she told them this should have never been done. Great,
Speaker 5: you're gonna have a tough time.
Speaker 4: I mean, I don't I look at I don't know
Speaker 4: that that should have been discovered is weird.
Speaker 5: But you have two years and you're not going to
Speaker 5: get an attorney in the in enough time.
Speaker 4: I mean, you're already past two years from a time
Speaker 4: a doctor mentioned you could have a problem there and
Speaker 4: and it definitely should have been discovered during all of
Speaker 4: those complications. So I mean, Jim, you're you're you're fighting
Speaker 4: a losing battle of that's the case, and that's probably
Speaker 4: why you can't get.
Speaker 5: An attorney to take it.
Speaker 4: Right, I mean, don't take me. I mean, you know,
Speaker 4: don't don't go by what I say. But I'm telling
Speaker 4: you that's going to be one of your biggest challenges.
Speaker 11: Well, I was kind of hoping by being on your
Speaker 11: show that maybe somebody heard online what was going on.
Speaker 13: Was it an attorney, it could help. I think.
Speaker 11: My only think that I can go to he's a
Speaker 11: gofug me.
Speaker 5: Yeah that's true, you know, to help him for the.
Speaker 13: Rest of his life.
Speaker 4: Is like, well, he's never going to get enough money
Speaker 4: on GoFundMe for the rest of his life.
Speaker 5: It's not going to happen. Let's just be honest about it.
Speaker 4: He might get some spending money here and there, but
Speaker 4: I've never heard of anybody getting enough money for the
Speaker 4: rest of their lives, except in some rare cases I
Speaker 4: believe where a police officer might have been shot or
Speaker 4: something where and killed. Then he had the little kids.
Speaker 4: But it's really difficult, Jim, I'm so sorry.
Speaker 5: Is he married?
Speaker 11: Is that he has a child a duty day?
Speaker 5: Oh god? And he can't work right?
Speaker 11: Well, yeah, he is working. He's working in a McDonald's
Speaker 11: and they made Hi a general manager there, so that
Speaker 11: you know, he doesn't have to be with the food
Speaker 11: or anything.
Speaker 5: But he's a.
Speaker 11: Brilliant kid, you know, very good.
Speaker 4: The way Jim is terrible, It's terrible. How's your daughter
Speaker 4: faring with her disease?
Speaker 11: Well, she still has a jay pouch, hasn't been destroyed.
Speaker 11: She's got a really good doctor that takes care of her.
Speaker 11: He doesn't go past what he's traded to do. I
Speaker 11: mean this doctor Cavid and you know that apologized for
Speaker 11: doing what he did. And he never was traded to
Speaker 11: do the oblasion that he did. It had no certification
Speaker 11: for it.
Speaker 5: Okay, all right, Well I'm telling you man, it's uh,
Speaker 5: it's just terrible.
Speaker 4: If we find out something different, we'll let you know.
Speaker 11: I appreciate it to.
Speaker 5: And I'm sorry, bro, I'm really sorry.
Speaker 3: You know.
Speaker 5: Wow, People listen to this and thank you for calling people. Listen.
Speaker 5: When it comes to malpractice.
Speaker 4: I actually any injury you can't set you're right, and
Speaker 4: the maultpractice thing that is the worst thing in the
Speaker 4: world is you have to get another doctor that it's
Speaker 4: absolutely necessary, absolutely necessary. So it's one of those things
Speaker 4: that if you don't have it, you can't even file.
Speaker 4: So that's one of the problems. Now, did you know,
Speaker 4: I know you're going to find this shocking to believe.
Speaker 5: Did you know that?
Speaker 4: Listen to this, guys, listen to this. The health advice
Speaker 4: on TikTok only two percent of it is accurate. Mark,
Speaker 4: do you find that shocking?
Speaker 5: Not only two percent of all of the health all
Speaker 5: of the health advice given on time?
Speaker 4: But who's that according to that's according to this group
Speaker 4: of physicians who went on to police it, not police it,
Speaker 4: but to look at it. And they say two percent.
Speaker 4: Let me, I can get the name. They say two percent.
Speaker 4: The study shows and it is a recent study. Oh
Speaker 4: actually it was done by a fitness app which has
Speaker 4: a number of doctors on their board and a number
Speaker 4: of nutritional people and health professionals, and it's called my
Speaker 4: Fitness Pal, which is an app, and they're the ones
Speaker 4: that did the study and it was released let's see,
Speaker 4: it was back in back in April.
Speaker 5: They started it.
Speaker 4: So they but you would not believe some of the
Speaker 4: advice given, some crazy advice on TikTok on how to
Speaker 4: stay healthy. And they say, not only is only two
Speaker 4: percent of it accurate, but more than half of it
Speaker 4: is dangerous, more than half of it. Do you think
Speaker 4: people actually go on TikTok for health information? Truly, do
Speaker 4: people actually go there and say, yeah, this is probably true?
Speaker 5: On what to eat, what to.
Speaker 4: Drink, how to exercise, diets that are supposedly for detoxing
Speaker 4: or reducing a stomach fat, all kinds of stuff.
Speaker 15: And I love the fact Kennedy is going to be
Speaker 15: over you know, basically health in this country.
Speaker 5: Are they actually putting him though in charge of the
Speaker 5: fdaighty you know?
Speaker 12: I think so.
Speaker 15: It hasn't been done yet, but this is I'm not kidding.
Speaker 15: One of these days. Google fruit loops Canada compared to
Speaker 15: the ingredients and fruit loops sold in the US.
Speaker 5: It is unbelievable difference.
Speaker 15: Most countries have a lot of these chemicals in food
Speaker 15: like fruit loops that are illegal in almost every other
Speaker 15: first world country.
Speaker 4: It's crazy, Tom Wow. So listen, speaking of healthy or unhealthy?
Speaker 4: What do you think the most popular candy according to state?
Speaker 11: Is?
Speaker 5: Which candy has the most states? I don't know, you're saying,
Speaker 5: what the hell you're asking? Okay, here's what I'm gonna say.
Speaker 4: For example, Oklahoma, Kansas, and Colorado their favorite candy according
Speaker 4: to sales. We want to take a guess what would
Speaker 4: you say this, Frank dran Oh, I think Colorado, Colorado. Hu,
Speaker 4: I think Colorado, but it spreads out to Kansas, and.
Speaker 5: I'm gonna say Reeseis just because I likes hell.
Speaker 4: No, it's Jolly Rancher. Isn't Jolly Rancher headquartered here?
Speaker 5: I thought it was.
Speaker 13: I don't know.
Speaker 5: Jolly Rancher.
Speaker 4: Dolly Rancher is the most popular candy. I can't stand it.
Speaker 4: It's the most popular candy in Kansas and to Colorado
Speaker 4: and Oklahoma. Now Reese's doesn't. I'm trying to find a
Speaker 4: state where Reese's is the number one candy. You know what, Oh, Maine,
Speaker 4: Reese's is the number one. Almond Joy sometimes you feel
Speaker 4: like a nut Vermont in New Hampshire and Massachusetts Starburst, Oh,
Speaker 4: almond Joy is also Rhode Island. So now listen, Candy
Speaker 4: Kisses Pennsylvania. But what I don't understand is there's one, two, three, four, five?
Speaker 4: Are they judging it by though sales by seven sell?
Speaker 9: So?
Speaker 15: In other words, they sell more Jolly Ranchers in Colorado
Speaker 15: dollar wise then they do Hershey's bars.
Speaker 4: Well, this is the study again that I'm looking up.
Speaker 4: So you know, don't kill me. The messenger inner body analyzed. Oh,
Speaker 4: they analyze sales and Google trends search data over a
Speaker 4: year to identify the most popular candy in each state.
Speaker 4: Here's the methodology. We set a twelve month time period
Speaker 4: and then we used numerical search values to determine which
Speaker 4: popular brands of candy were searched for most of the
Speaker 4: time in each state and combine that with sales data
Speaker 4: and came up with they say the most popular say
Speaker 4: they don't actually say that they outsold, but they say
Speaker 4: that was one of the factors, along with search data
Speaker 4: and information. But here's what I don't understand.
Speaker 5: Blow pop.
Speaker 4: Have you ever even heard of a blowph? Is that
Speaker 4: like the bubblegum inside of a Yeah? Okay, that's a
Speaker 4: favorite in one, two, three, four, five, six, seven states. Blowpop,
Speaker 4: Snicker is in Montana, Skittles Nevada, And of course California
Speaker 4: is Sour Punch California, and Sour Punch is Texas. So
Speaker 4: it appeals to both progressives and conservatives. Oh and actually,
Speaker 4: sour Patch is way up in Idaho. I think that's Idaho. No,
Speaker 4: that's no, sorry, that's not.
Speaker 15: These must be mostly that Google search part of it,
Speaker 15: because I mean, like reesis outsells, like every candy in
Speaker 15: the entire world.
Speaker 5: Is Reese's the number one cellar everywhere? I mean in
Speaker 5: candy Rieses is Yeah, well, according to what I'm looking at.
Speaker 2: Yes, really, peanut butter chocolate frank Top. How could you
Speaker 2: go wrong though with peanut butter and chocolate.
Speaker 4: No, the best candy in the world. I don't care
Speaker 4: what you say. Malted milk balls like those, they're the
Speaker 4: best in the world. Whoppers can't do better. Okay, let's
Speaker 4: get back to real estate. I got this three old
Speaker 4: three seven to one. Three talks are number, by the way,
Speaker 4: But I have a text here about rentals. You don't
Speaker 4: know much about rental state the renter's market right now.
Speaker 4: Anybody want to weigh in on it at all? Somebody
Speaker 4: wants to know, is there any.
Speaker 5: Hope for that? I think it's getting cheaper.
Speaker 7: Man.
Speaker 15: There's a lot of apartments coming online in Denver Metro.
Speaker 5: Really, what do you think that's from?
Speaker 15: Well, I mean they're building them. My god, look at
Speaker 15: our studio. Just look around. There's they're building apartments left
Speaker 15: and right.
Speaker 5: Guys, somebody else wants to know. Have you ever sold
Speaker 5: a home for someone who simply wants to do a
Speaker 5: bed and breakfast. Have any of you ever gotten involved
Speaker 5: in that? Not personally.
Speaker 2: I have a very good contact who's been in the
Speaker 2: business vacation homes man, and he specializes more than that.
Speaker 2: So for those types of things I refer over to
Speaker 2: a gentleman I've known.
Speaker 4: For So for vacation homes by owner, that must be
Speaker 4: Is that a pretty big market in the metro areas
Speaker 4: or is that more in the mountains.
Speaker 2: I don't, honestly out here, I'd never deal with it.
Speaker 2: I've referred it out more than anything.
Speaker 6: Yeah, it's not something that I deal with, but I
Speaker 6: do come across them more in the mountain communities. So
Speaker 6: out west of Colorado Springs Park County, I definitely see,
Speaker 6: you know, people who have looked for and I've helped
Speaker 6: people purchase properties that they intended to utilize for like
Speaker 6: short term rentals.
Speaker 4: Did I take the fifteen Shannon or or I'm sorry,
Speaker 4: we have dragon now, okay, so let me do that
Speaker 4: three oh three, seven to one to three talk or
Speaker 4: three oh three Martino, three oh three.
Speaker 5: Sixty seven eight four sixty six. We got more coming
Speaker 5: right up?
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content top of it.
Speaker 4: Time for a natureurants check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three all
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 4: your troubleshooter three all three seven one three talks seven
Speaker 4: one three eight two five five All right, so texting
Speaker 4: me seven four seven nine nine nine fifty two eighty.
Speaker 5: Nonwo The reason I have that number seven four seven
Speaker 5: is an aeroplane.
Speaker 4: I love it nine nine nine I don't know, just
Speaker 4: like it anyway, fifty two eighty the Male High City.
Speaker 4: So seven four seven nine nine nine fifty two eighty
Speaker 4: you can text me. One of the texts here has
Speaker 4: to do with interest rates. So, uh, Frank, you mentioned
Speaker 4: something about you expect interest rates to steadily fall a bit.
Speaker 2: Yeah, I think the plant well, hopefully, and we'll see
Speaker 2: how this shapes up. But right now there's a lot
Speaker 2: of talk that they're going to be gradually dropping throughout
Speaker 2: the year.
Speaker 4: It depends on what inflation does true now and job reports.
Speaker 4: Some people say, now again, you know, I love how
Speaker 4: anticipation uh comes into play here. But the lamestream media
Speaker 4: has been talking about how Trump's going to ruin the
Speaker 4: economy because of his tariffs and stuff, and how that's
Speaker 4: going to cause massive inflation and a problem.
Speaker 5: Again, what do you think the game is?
Speaker 4: Because really, truly tariffs will be passed on to consumers, Mark,
Speaker 4: you agree with that. I mean it's gonna it's gonna
Speaker 4: cause more expense.
Speaker 15: I don't think a lot of tariffs are going to
Speaker 15: end up being put in place because I.
Speaker 5: Think you think it's more of a threat to play ball.
Speaker 15: You think it's more of a threat, right, Yeah, but
Speaker 15: you know there's places we pay tariffs too.
Speaker 5: I mean, I think fair is fair.
Speaker 4: Yeah, they and and what he's hoping to do is stimulate,
Speaker 4: of course, American production.
Speaker 5: Yeah.
Speaker 4: So do you guys notice though directly, do you guys
Speaker 4: notice both Stephanie and Frank in real estate a direct
Speaker 4: correlation between interest rates and activities in buying and selling homes.
Speaker 5: Oh absolutely, I mean beyond a shadow of doubt.
Speaker 8: Yeah, I think, you know.
Speaker 6: I think when people when all people hear is how
Speaker 6: high everything is, and how you know, affordability is a
Speaker 6: concern and this and that, I think people pull away
Speaker 6: from purchasing.
Speaker 8: I think when they start to feel, you know, when.
Speaker 6: Things come down and all of a sudden it is
Speaker 6: more affordable to purchase, I think people are more apt
Speaker 6: to come out and make a purchase.
Speaker 5: Frank, And you found an absolute correlation, right sure. And
Speaker 5: of course applying to man, Tom, you know that affects
Speaker 5: it more than anything else.
Speaker 2: And I think ultimately I'm seeing more optimism going forward ward.
Speaker 11: You do, I do.
Speaker 2: From the election, Tom, I talked to people every day
Speaker 2: and I hear a lot of optimism just in their voice. Sometimes, people, though,
Speaker 2: and this is just my opinion, make the mistake of saying, well,
Speaker 2: I'm gonna wait till the hot time of year like
Speaker 2: the fall, or I'm not the fall in the springtime.
Speaker 2: And I always tell them, guys, base it on when
Speaker 2: it's best for you, because if you waited out just
Speaker 2: like this last year, people will call me in January. Hey, Frank,
Speaker 2: should I sell my home in May? The problem with
Speaker 2: that is who knows what's going to happen in the future.
Speaker 2: And this year something we got a curveball. We end
Speaker 2: up peeking in April instead of May, and June July
Speaker 2: we end up going down. So I always say, guys,
Speaker 2: always base it on when it's good for you and
Speaker 2: what it's good timing for your personal situation.
Speaker 4: But in general, if someone's looking to list a house,
Speaker 4: when should they do it right now? I mean should
Speaker 4: they wait for I think people are distracted right now.
Speaker 4: I don't want to take listings away from you, guys,
Speaker 4: but what do you think as far as the best
Speaker 4: time to list? Well, Tom, here's the thing. I would say,
Speaker 4: the best time is when it's good for you because.
Speaker 5: Here's what I mean. Here's what I mean by that,
Speaker 5: based on your individual need.
Speaker 2: Because my gosh, if you say, well, I'm going to
Speaker 2: wait till May, look what happened last May.
Speaker 5: You know the market went down.
Speaker 2: Okay, Now with that being said, this is the nice
Speaker 2: part is we keep our hand on the pulse of
Speaker 2: the market. We keep our people updated what's happening, so
Speaker 2: we can let you know Hey, this is what we
Speaker 2: see coming down the pipe here.
Speaker 5: This is what's happening with supply and demand.
Speaker 2: Right now, we're sitting around three point six months of inventory,
Speaker 2: so we keep you informed in all those things.
Speaker 4: Okay, and Stephanie, you'd agree that there but but there
Speaker 4: certainly are times of the year though.
Speaker 5: That people shop typically typically, right Stephanie, Yeah, not now.
Speaker 6: But one thing that you have to remember is the
Speaker 6: typical times to you know that people think they need
Speaker 6: to put their home on the market the spring, but
Speaker 6: everyone else thinks the same thing, so you have more competition.
Speaker 8: Oh okay, okay, So I agree with Frank. You know,
Speaker 8: you have to put on the market when it's best
Speaker 8: for you.
Speaker 6: I also keep my clients very informed on market conditions,
Speaker 6: and I think one really important thing to remember is,
Speaker 6: you know, where we have a couple of months of inventory,
Speaker 6: I mean, Springs is the same. You know, it's a
Speaker 6: little over three months of inventory right now. That's really
Speaker 6: more balanced. You know, it's not the extreme seller's market.
Speaker 6: We're not slipped on the other side yet where it's
Speaker 6: the buyer's market. So in a balanced market, it's not
Speaker 6: abnormal to market your home for a couple of months.
Speaker 5: Do you think that.
Speaker 4: Oh wait, here's the question, where are people coming in from?
Speaker 4: When you have people from out of state? Where are
Speaker 4: they coming from?
Speaker 5: Boy? Time they're coming from. Boy, they come from all over.
Speaker 2: But here's the crazy part. A lot of the sellers
Speaker 2: that contact me are the ones moving out of state.
Speaker 5: I hear. I get a lot of that too. Where
Speaker 5: are they going? All over?
Speaker 2: We get Florida, I get Carolina's the other one is,
Speaker 2: oh gosh, Texas. Yeah, Texas and also Kansas City. I've
Speaker 2: had two in a row moving to Kansas City. Why
Speaker 2: the hell would they move from here?
Speaker 6: Yeah, I've seen some Virginia, but those have all been
Speaker 6: like military transfers.
Speaker 5: Yeah, it's all over the board.
Speaker 4: Yeah, but I think I hear Florida and Texas have
Speaker 4: some of the biggest influx of people.
Speaker 8: Absolutely.
Speaker 6: I know quite a few people who have gone, and
Speaker 6: I even know a lot of agents who've gotten dual
Speaker 6: licensing and working in.
Speaker 4: People are still moving out of California more than they're
Speaker 4: moving in.
Speaker 5: They're having a net loss. And we have those two.
Speaker 2: Tom and I had a really this was really unique.
Speaker 2: I had a patio home for sale and a lady
Speaker 2: calls me from I want to say North Carolina. Meete
Speaker 2: was South anyway, it was one of the Carolinas. And
Speaker 2: she says that she saw our ad online and I
Speaker 2: thought at first it was a scam.
Speaker 5: No, she was legit.
Speaker 2: She flew all the way out here, paid cash, paid
Speaker 2: like fifty grand more than everybody else.
Speaker 5: Wanted this home so bad it was unreal. So I've
Speaker 5: seen that happen too.
Speaker 4: Now, somebody says, historically, if you really look at history,
Speaker 4: anything less than seven percent is a good rate.
Speaker 5: We've gotten spoiled, you know, that's one thing we sure have.
Speaker 4: This guy said I paid nine point five percent when
Speaker 4: I moved to Denver in the mid eighties. So basically
Speaker 4: I agree with frank By. When you need to buy,
Speaker 4: it's hard to time the market. And so as far
Speaker 4: as the mortgage rates go, though, really there was a
Speaker 4: time that six percent was a great rate, a great rate,
Speaker 4: not just a good rate, a great rate, absolutely, And
Speaker 4: now we're saying, oh, it's high as six or seven,
Speaker 4: And I think that's because we were spoiled.
Speaker 5: When did rates get down to three and four? What
Speaker 5: cause that? Was it COVID or was it before that?
Speaker 5: So it was before it was before that. Yeah, and
Speaker 5: I think that was a little bit of.
Speaker 2: An attempt, right, an attempt to stimulate, Yeah, to stimulate,
Speaker 2: And I don't know that that really worked, to be honest,
Speaker 2: you know. And the funny thing is this, this is
Speaker 2: what's a crazy thing is Stephanie, you know what I'm
Speaker 2: talking about. When the rates were low, buyers were paying
Speaker 2: through the roof for real estate, so they were getting
Speaker 2: a little rate, but they were bidding sometimes eighty one
Speaker 2: hundred grand over asking on some of them. Now that
Speaker 2: the price of soft and there's more inventory, yeah, rates
Speaker 2: are a bit higher. But also now, Luke, what's happened.
Speaker 2: Sellers are more flexible towards paying towards three two one
Speaker 2: by downs two to one by downs pain towards buyer's
Speaker 2: closing costs.
Speaker 5: So there's a balance to the whole thing.
Speaker 4: Okay, we have more coming up on the Troubleshooter Show.
Speaker 4: Three oh three seven one three A two five five
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, free no obligation comparison
Speaker 4: call compass insurance pay too much your coverage at dozens
Speaker 4: of insurance companies.
Speaker 5: Find out Now three oh three seven seven to one.
Speaker 4: Help You'll think you're his only customer when you choose
Speaker 4: Frank durand the real estate man dot com to list
Speaker 4: your home with Remax Alliance three oh three nine two
Speaker 4: zero sixteen twenty two. Hi Tom Martino here three oh
Speaker 4: three seven one three talk seven one three eight two
Speaker 4: five five. Okay, So my daughter brought me something just
Speaker 4: a little while ago. It's a tea but and it
Speaker 4: has a big straw in it. I thought, okay, I'll
Speaker 4: try it. And I took a sip of it and
Speaker 4: a bunch of like slimy things went into my mouth.
Speaker 4: And it's like slimy things like, uh, I don't know,
Speaker 4: jelly stuff. It's called boba boba ta. You've had boba
Speaker 4: t before, Stephanie.
Speaker 5: My God's safe.
Speaker 10: No, not me.
Speaker 8: My daughter loves it, though my son loves that stuff too.
Speaker 5: It's I you don't get it. I mean, I mean,
Speaker 5: what is that? What are those things? Those round circles,
Speaker 5: the little huh slime ball. I thought that they don't
Speaker 5: really have they they take on kind of the flavor
Speaker 5: of the they say they take on kind of the
Speaker 5: flavor of tea. But but it's weird.
Speaker 4: It's the weirdest thing because I wasn't expecting it, and
Speaker 4: I suck it.
Speaker 5: Up the straw and I feel all these sloy things
Speaker 5: in my mouth.
Speaker 4: Anyway, three zero three seven to one to three talks
Speaker 4: seven one three eight two five five. Somebody said that
Speaker 4: they remember when rates were fourteen percent for mortgages.
Speaker 5: Yeah, that happened. When did that happen?
Speaker 4: By the way, I mean, I I kind of remember that,
Speaker 4: like late eighties, I'm saying now, But I remember also
Speaker 4: back in the day when it was got down to
Speaker 4: six percent, five and a half to six ideal home loans,
Speaker 4: great company. They were bragging about, Hey, rates have never
Speaker 4: been better.
Speaker 5: Remember that. Yeah, and then we got down to two
Speaker 5: or three percent. Mark didn't know.
Speaker 4: I think he stepped away, But I think there was
Speaker 4: one time that Mark literally had a two point something
Speaker 4: two point seventy five percent or something. What's the lowest
Speaker 4: that you saw when you were selling homes? What's the
Speaker 4: lowest you saw.
Speaker 5: In the threes?
Speaker 2: In the threes, I'd say in the threes because people
Speaker 2: were refinancing like crazy, Tom at that time.
Speaker 6: Yeah, I've seen some people refinance into the twos, but
Speaker 6: those were like A va no, yeah, they can go in.
Speaker 5: And get really good. If can somebody help me here? Dragon?
Speaker 4: This text said, why do people keep saying that Republicans
Speaker 4: run the House and the Senate?
Speaker 5: The House is still up for grabs?
Speaker 12: Is that right?
Speaker 5: Not up for grabs? It's done, dude, Frank, Okay, so
Speaker 5: you're there, Mark? Okay, thank you. Hey, So what is
Speaker 5: the margin? Well?
Speaker 15: I think in nineteen right now to nineteen, but it's
Speaker 15: going to be probably two twenty one.
Speaker 5: They had to have two eighteen. In fact, really where
Speaker 5: the money is, it'll be two twenty two. Okay.
Speaker 4: Now I asked this. You were not in your seat
Speaker 4: when I asked. Have you ever had Boba t Mark?
Speaker 5: Uh No, but I've bought it.
Speaker 15: I've seen Suzanne have it, but she didn't like it,
Speaker 15: but Addie likes it. It's those balls.
Speaker 4: We should call it slimy ball tea. Hey, Amanda, what's
Speaker 4: going on with you? Welcome o, Hi, hi Amanda? What's
Speaker 4: going on?
Speaker 17: I lived in an apartment complex in Colorado. I gave
Speaker 17: them my security deposit.
Speaker 10: And they moved out.
Speaker 17: They sent me the stable letter saying that they would
Speaker 17: send me my deposit, and.
Speaker 10: They told me that the check was mild in September.
Speaker 11: September thirteenth, When did you move out, Amanda?
Speaker 17: I moved out to the end of July. July twenty seventh. Okay,
Speaker 17: this wasn't up until August third.
Speaker 4: Well hold on a sec now, okay, Oh, well July August.
Speaker 4: But you paid through the end of the lease, right, correct? Okay, Well,
Speaker 4: that's all it matters. You didn't owe anything, right, No, sir? Okay,
Speaker 4: So if you ended the lease at the end of July,
Speaker 4: they had at the most sixty days to send you
Speaker 4: the deposit and an explanation. They just sent you an explanation,
Speaker 4: Is that right.
Speaker 18: Correct?
Speaker 5: When did they send you the explanation that you were
Speaker 5: going to get your deposit?
Speaker 17: I believe it was dated eighty four, so August fourth,
Speaker 17: that's weird and so so.
Speaker 4: And on the fourth they said you will be getting
Speaker 4: your deposit, but you never got it.
Speaker 13: Correct.
Speaker 5: Did they say they were going to be withholding any
Speaker 5: of it? No, sir, But they claim they sent it mail.
Speaker 5: But they claim they sent it. Is that correct?
Speaker 11: Correct?
Speaker 5: And when do they say they sent it?
Speaker 17: September thirteenth?
Speaker 4: The check was cut, so so August September. Yeah, they're
Speaker 4: making it so, so that would be August September. The
Speaker 4: check was cut, and that doesn't matter. You didn't get it.
Speaker 4: Did you leave a forwarding address? Where did they say
Speaker 4: they sent it?
Speaker 17: I left on the forwarding address, and they said that
Speaker 17: they sent it to the forwarding address. But I never
Speaker 17: got a check from them.
Speaker 10: I received the move out statement with the amount.
Speaker 17: That they would be paying me to my boarding address,
Speaker 17: but no check ever came.
Speaker 4: So you did wait a minute. So in September you
Speaker 4: did get a statement.
Speaker 10: Correct, stating that they would return my deposit.
Speaker 4: Oh no, that was you got that one though in August,
Speaker 4: But as far as September, you never got anything from them.
Speaker 5: Is that correct?
Speaker 12: Correct?
Speaker 5: Okay? Did they claim? Okay, well, here's the easy part.
Speaker 4: You might have difficulty getting treble damages or triple the amount.
Speaker 5: But if they can.
Speaker 4: See clearly that you did not cash a check, why
Speaker 4: don't they just reissue it for you?
Speaker 10: They're reasoning.
Speaker 17: They told me that their corporate office is in Florida,
Speaker 17: and their corporate office is looking into it, and they
Speaker 17: cannot provide me with any information. The last thing that
Speaker 17: they told me was their corporate office had been through
Speaker 17: two major hurricanes.
Speaker 4: Okay, okay, I don't think they ever sent it out.
Speaker 4: I have some ideas. Hold on, I have some ideas.
Speaker 4: Right after this, hold on, go with a sure thing
Speaker 4: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until your content time for an insurance checkup free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three O three seven to seven to one.
Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: Durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three three nine two zero sixteen
Speaker 4: twenty two.
Speaker 5: All right, I have some.
Speaker 4: Ideas for Amanda, because this place is playing with her.
Speaker 4: They sent her a notice on the fourth when she
Speaker 4: moved out at the end of July. They sent notice
Speaker 4: in August, and you're gonna get your deposit back. Here's
Speaker 4: what you're gonna get. She never got it. They claim
Speaker 4: they sent it out September thirteenth. But you see, the
Speaker 4: burden is on them, not on her. And if she
Speaker 4: never cashed it and they can't show a canceled check
Speaker 4: and they won't even talk to her. I would literally
Speaker 4: sue them for treble damages, saying they violated the law,
Speaker 4: and then that will make them move off of dead Center. Now, Amanda,
Speaker 4: you said you rented in Colorado. Are you out of Colorado?
Speaker 11: Now?
Speaker 17: Yes, sir, I go to Arizona.
Speaker 13: Ah?
Speaker 4: Okay, so yeah, Mark, do they allow telephonic small claims
Speaker 4: court anymore?
Speaker 5: The huh No, No, they did. Gonna go whatever it is.
Speaker 15: I don't know what county we're talking about, but it's
Speaker 15: not just that most likely eighty percent chance she's gonna
Speaker 15: have a mediation.
Speaker 5: She's got to show up too as well.
Speaker 15: Yes, sucks, Okay, not to mention, didn't they didn't she
Speaker 15: say they were out of state?
Speaker 5: Or did I get that wrong? They're in Florida.
Speaker 4: But go with a sure thing Denver's Best roofer Excel
Speaker 4: roofing dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup, free, no obligation comparison call
Speaker 4: Compass insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: one help You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot Com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two.
Speaker 7: Ripped of.
Speaker 13: News needed.
Speaker 5: That's so you don't have.
Speaker 11: Come running us as we can show.
Speaker 8: Shooter's gonna help coming.
Speaker 3: Man Dix is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 4: Tom Martino here, Welcome to the show three oh three
Speaker 4: seven one three talk seven one three eight two five five.
Speaker 4: Welcome to the only show that's kind of anywhere in
Speaker 4: the universe where we are solving problems, answering questions, taking complaints.
Speaker 4: Light on calls today. Some days you can't breathe. We
Speaker 4: take so many calls. Other days they are a little sparse.
Speaker 4: We're getting a lot of texts. For some reason, we
Speaker 4: got our real estate folks in today. Let me bring
Speaker 4: up Marky Mark Mark Mark in the satellite studio in
Speaker 4: parts of Known, and.
Speaker 5: Then we have Frank durand the real Estate Man down there,
Speaker 5: and we have you're streaming. I'm talking to you. If
Speaker 5: you're not, you can do the Theater of the Mind.
Speaker 4: Then we have Stephanie Thomas, lovely Stephanie's here as well,
Speaker 4: and we are talking about real estate or anything on
Speaker 4: your mind, anything in your heart and pocketbook and three
Speaker 4: oll three seven one three eight two five five.
Speaker 5: And then Mark is talking about Metallica.
Speaker 4: Because he's going to go see Metallica and Nashville. You
Speaker 4: want to talk about people who have withstood the test
Speaker 4: of time?
Speaker 5: Holy crap?
Speaker 13: Yeah?
Speaker 4: And then you know, like stones withstood the test of time, right,
Speaker 4: I mean there's a lot of monkeys. A monkey, he's
Speaker 4: such a I don't know. I'm not going to get
Speaker 4: into I'm not I'm not taking that bait anyway. Three
Speaker 4: all three seven one three talk seven one three eight
Speaker 4: two five five.
Speaker 5: You forgot jan and Dee or you don't even know
Speaker 5: who they are, do you? Anyway? Never heard of him?
Speaker 5: You never heard of them? Sonny and Chaer. I've heard
Speaker 5: of them.
Speaker 4: Oh God, were they terrible. I thought they were terrible.
Speaker 4: You know what's funny about them is they both sounded
Speaker 4: the same. I couldn't tell when one and then she'd
Speaker 4: sing and he's and they all sounded like dreadful. Anyway,
Speaker 4: you can call us at any time at three oh
Speaker 4: three Martino twenty four seven three oh three six two
Speaker 4: seven eight four sixty six, and or you can text
Speaker 4: us and now you can text my Google number at
Speaker 4: seven four seven nine nine nine fifty two eighty seven
Speaker 4: four seven nine nine nine fifty two eighty or you
Speaker 4: can always go to the short code for iHeart, and
Speaker 4: that is five seven seven three nine one, says Tom.
Speaker 5: Here, I bought my house in nineteen eighty two. This
Speaker 5: is a text with.
Speaker 4: An FHA loan for fifteen percent.
Speaker 5: Well, holy moly, so I came here in eighty So
Speaker 5: were rates that high when I got here? How did
Speaker 5: I afford a house?
Speaker 11: WHOA?
Speaker 5: The last song we had was three percent?
Speaker 4: Can you imagine that swing from fifteen percent down back
Speaker 4: in eighty two? So I remember when I came here
Speaker 4: to Colorado, I swear to you. Parker was a wide
Speaker 4: spot and a train stop, I mean, and then I
Speaker 4: had a little firehouse. There was nothing there, man, Do
Speaker 4: you remember that, Frankie frank you got into real estate
Speaker 4: what year ninety four? Actually ninety three, and then started
Speaker 4: more active in ninety four.
Speaker 5: Okay, So back when you got into real estate, what
Speaker 5: areas were hot?
Speaker 2: Oh?
Speaker 5: You know, Tom, that's when I first started.
Speaker 2: All I knew was Thornton and North Glen and Westminster,
Speaker 2: so that's right, basically stayed and then I started spreading out.
Speaker 2: So in those beginning years, I think I would go
Speaker 2: as far as like Lakewood, and so everything seemed to
Speaker 2: just be kind of hot, you know, really.
Speaker 4: Okay, one thing that I remembered, Okay, I used to
Speaker 4: move into a place and I was always late, meaning
Speaker 4: I'd move into a place and it was booming all
Speaker 4: over Florida, well not all over, but a few a
Speaker 4: couple places in Florida, and I was working in television
Speaker 4: and radio, and then North Carolina and they're Raleigh and
Speaker 4: that while area, and.
Speaker 5: I would always miss the opportunity.
Speaker 4: So I came here to Colorado and I said, for
Speaker 4: once in my life, I'm gonna do something really crazy.
Speaker 4: And so I went down to a rap hole road
Speaker 4: and it was it was still crowded, a little not
Speaker 4: that bad county line. There was just a little Mexican restaurant.
Speaker 4: It was a dirt road county line road, so that
Speaker 4: was out in the country. But I went even further
Speaker 4: down and I said, this is the craziest thing I
Speaker 4: ever did in my life.
Speaker 5: The first time I ever stepped.
Speaker 4: Out of my comfort zone, and I had great credit,
Speaker 4: and I got a line of credit and I bought
Speaker 4: some property at I twenty five and a little place
Speaker 4: called at the time, what was it called Beverly Hills.
Speaker 5: You remember that, Yeah, what is it now?
Speaker 4: It's Castle Pines, right, So I bought the four corners
Speaker 4: there and I with some friends and we went into
Speaker 4: serious debt and just sat there and took it and
Speaker 4: then it kind of went, didn't We go through likes
Speaker 4: a bad time in the mid eighties right right, held
Speaker 4: on to him. Then bought up some more stuff down
Speaker 4: in Larkspur and then in park Or, Colorado, which was nothing,
Speaker 4: a bunch of commercial stuff. That was the first time
Speaker 4: I ever seriously made money, and I thought, oh my god,
Speaker 4: you can do this now. Obviously you can't keep doing it.
Speaker 4: There things happened, but I remember that, and I remember
Speaker 4: the reason I went south is because I always was
Speaker 4: tired of being behind. So I said, I'm going to
Speaker 4: go ahead, and I I saw things expanding a little
Speaker 4: and a rapo road was getting busy at the time,
Speaker 4: But really, County Line was the country. Did you know
Speaker 4: that people had horses and there was a little tiny
Speaker 4: I forget what the name of the Mexican restaurant was
Speaker 4: a little tiny one.
Speaker 5: Then up North was also growing. But it's funny when
Speaker 5: you go.
Speaker 4: To an area that you know is growing, you start
Speaker 4: going to the fringe areas and buying up property. But
Speaker 4: then you could go broke too, because it can go
Speaker 4: either way. I mean, places don't always expand. But right now,
Speaker 4: I mean, look at Cassle Rock. For God's sakes, Calsarock
Speaker 4: was a tiny little place. Parker was nothing, and Franktown
Speaker 4: is still a tiny little place.
Speaker 5: It really is. Franktown has yet to really really bloom.
Speaker 4: I mean, if you think about the four corners down
Speaker 4: there at eighty six and eighty three mark, there's not
Speaker 4: much there anymore.
Speaker 5: I mean, right, it's still kind of sleepy. Well you can't.
Speaker 15: There's nothing you can do here. You can only have
Speaker 15: residential and you have to have at least a minimum
Speaker 15: of five acres.
Speaker 5: Just happen. But I'm talking about the four corners there
Speaker 5: what I would call the town.
Speaker 15: They're like redoing. They're redoing the stagecoach right now. So
Speaker 15: those guys bought it when it went under during COVID.
Speaker 15: And here's the problem out here. Water water, water, water, water,
Speaker 15: and sewage. So they bought it for one point two.
Speaker 15: They figured they'd be putting in whatever four or five,
Speaker 15: six hundred thousand, and I'm not sure on these exact numbers,
Speaker 15: just kind of rumors and what they say on Facebook,
Speaker 15: meaning the people that bought them, but they ended up
Speaker 15: having them to do new septic and all this other stuff.
Speaker 15: It just costs an entire fortune to build anything out
Speaker 15: here on these four corners.
Speaker 5: Okay, all right, Okay, that's about it. There's no water
Speaker 5: yuh yeah, you know, you're right.
Speaker 4: That is one big problem that's always been out there
Speaker 4: and really in Colorado in general. But on one of
Speaker 4: the things people, water rights is a whole complicated a story.
Speaker 5: But Mark is absolutely right. Without water rights to do
Speaker 5: like commercial wells and stuff, you're you're screwed. You have land,
Speaker 5: but nowhere to go.
Speaker 4: Three oh three seven one three talk three oh three
Speaker 4: seven one three eight two five five. So another thing
Speaker 4: I did was I went up along Parker Road and
Speaker 4: bought up property and then divided it into thirty five
Speaker 4: acre lots for people to build houses.
Speaker 5: Because what I remembered was if you wanted.
Speaker 4: Acreage back then, you had to go to a you
Speaker 4: had to be next tour to people add old cars
Speaker 4: and ravines and garbage.
Speaker 5: That that's the only big acre there was. There were
Speaker 5: no nice big acres. The nicest, bigger, biggest acreage place
Speaker 5: was Cherry Hills and and and and back then they weren't.
Speaker 4: It was like one hundred thousand dollars a lot should
Speaker 4: have brought up a ton of them, because those are
Speaker 4: a million dollars a lot right now or more right
Speaker 4: for a lot. And then so so and then and
Speaker 4: there was a plate. The pinery was just getting started.
Speaker 4: But the whole idea was being ahead of the curb
Speaker 4: with everything by the way, folks.
Speaker 2: But that's the story of people's lives. Well, Tom, it's
Speaker 2: interesting though. I remember my mom. Now this was I
Speaker 2: think around eighty eight eighty nine. She went to buy
Speaker 2: this house, and I'll never forget this. They were asking
Speaker 2: sixty five thousand dollars house up for this house ranched
Speaker 2: All Home. And she asked her relter. I was a
Speaker 2: teenager at the time, so I was not in real estate.
Speaker 2: And she asked her relter if they can make an
Speaker 2: offer for fifty thousand. He laughed at her. He says,
Speaker 2: they'll never take that. She is, well, can we at
Speaker 2: least try come here? Yeah, and thank god they actually
Speaker 2: took her offer. She buys this house for fifty thousand,
Speaker 2: which seemed like a lot of the time. That same
Speaker 2: homes worth over what a half million dollars today? I mean,
Speaker 2: that's incredible, and she paid the higher interest rate. But
Speaker 2: look how much appreciation we were out in the country.
Speaker 2: Mark bought a house out in the country one time.
Speaker 2: It was like a really sparse subdivision. I'm trying to
Speaker 2: remember where it was. Mark, it was a really big house.
Speaker 2: I don't even know if you had kids at the time.
Speaker 5: Do you remember that?
Speaker 4: And out the back door at the sliding door. I
Speaker 4: remember there wasn't even landscaping at the time. Do you
Speaker 4: remember that house you stole? And I know what house
Speaker 4: you're talking about, but I didn't buy it.
Speaker 5: Oh, I thought you did buy that one. Were you
Speaker 5: renting that? No, we were looking at it, that's right,
Speaker 5: we were.
Speaker 14: Yeah.
Speaker 15: The problem with that house it was gorgeous. It probably
Speaker 15: went up by over a million bucks, maybe even more.
Speaker 15: It had a huge sheep crack.
Speaker 5: In the foundation.
Speaker 4: So anyway, what about the house you were living in
Speaker 4: when Miles was scooting around under the table in his
Speaker 4: little basket whatever it was, a little car seat.
Speaker 5: What house was that? That was in Parker and Clark Farms,
Speaker 5: Tom Clark Farms. Yeah, so that was right, that Miles was.
Speaker 15: Just a little, a little That house we bought. We
Speaker 15: did so good on that in Clark Farms. That was
Speaker 15: brand new by US Homes who eventually is Lenar.
Speaker 5: We bought that.
Speaker 15: Susanna was our first house. She was probably nineteen years
Speaker 15: old when we got that.
Speaker 5: But she got to pick out.
Speaker 15: The color of the house, of course, the color of
Speaker 15: the roof, the carpet, you know, all that stuff.
Speaker 5: There were track holls, but you get to pick out
Speaker 5: all those little finishes.
Speaker 15: Now you get to pick out all that in the cabinets,
Speaker 15: and of course they try to upsell you. But that
Speaker 15: house costs US one hundred and ten thousand. We sold
Speaker 15: that for two hundred and fifty. I think we lived
Speaker 15: there money in eight or nine years. So listen what
Speaker 15: I want to ask you guys. Are there new subdivisions still?
Speaker 15: I mean I haven't been out looking for a wha.
Speaker 15: Are there a lot of new subdivisions or not?
Speaker 5: I mean?
Speaker 4: Were there were some for a while where you buy
Speaker 4: that house. It's kind of from a model, and then
Speaker 4: you pick out stuff.
Speaker 8: Oh yeah, there's lots of builders buildings still still around.
Speaker 5: Yeah, even with the interest rates, they're still building, you know.
Speaker 8: And here's the thing.
Speaker 6: It's really a great time to purchase because you've got
Speaker 6: builders that are buying down your rates.
Speaker 8: They're giving you these large incentives.
Speaker 6: You've got just sellers on a resell that are willing
Speaker 6: to come in and actually negotiate with a buyer right now.
Speaker 6: So what I'd like to say to everybody is, don't
Speaker 6: get so rate conscious that you're passing up potentially good
Speaker 6: deals because you can definitely still come.
Speaker 8: In the market and make a great point.
Speaker 4: And you can always refinance, right absolutely, because if raids
Speaker 4: get better, you can refinance. In fact, ideal home loans
Speaker 4: give them a little plug. They have that interest rate guarantee.
Speaker 4: In fact, they say you're a customer for life that
Speaker 4: they will.
Speaker 5: They tell you that if you if you get one
Speaker 5: loan with them, you can forever get loans with them.
Speaker 5: That's what they Buy the house, date the rate. Yeah,
Speaker 5: that's what that's exactly what they say.
Speaker 4: Buy the house and date the rate, meaning that you
Speaker 4: don't have to be married to that rate forever. You
Speaker 4: can refine at any time three h three seven to one,
Speaker 4: three eight two five five more coming right up, Go
Speaker 4: with a sure thing Denver's best rufer excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Please time for an insurance check up free no obligation
Speaker 4: comparison call Compass Insurance Paying too much your coverage at
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Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Artino here at three oh
Speaker 4: three seven one three talk three oh three seven one
Speaker 4: three eight two five five. We've been talking about problems,
Speaker 4: questions and complaints, well not not really complaints, but real
Speaker 4: estate issues. We have Frank Duran, the Realestateman dot com
Speaker 4: with us, and we also have of Let me just
Speaker 4: widen out the shot if you're streaming. And by the way,
Speaker 4: I always tell people even if you listen on radio,
Speaker 4: and you should and thank you for doing that. Always
Speaker 4: feel free to download the podcast the video on It's
Speaker 4: fun and we do have a show within a show
Speaker 4: during breaks, as our YouTube morons will attest to. And moron,
Speaker 4: by the way, is a badge of honor when you're
Speaker 4: a YouTube moron. So I talked about this, and I
Speaker 4: just want to mention this. It's called chaos packaging. So
Speaker 4: some brilliant marketer got an idea, why don't we shake
Speaker 4: up the marketplace a lot? Because people kind of glaze over,
Speaker 4: their eyes glaze over when they walk through supermarkets or
Speaker 4: through stores. So they started doing something packaging things. They
Speaker 4: call it chaos packaging, meaning there's no rhyme or reason,
Speaker 4: and I'm just going to give you some honest to
Speaker 4: good This is really happening.
Speaker 5: It's really happening.
Speaker 4: And for example, ice cream tubs looks like an ice
Speaker 4: cream tub selling tampons, So in other words, it looks
Speaker 4: like ice cream, but it's tampons. They have other packaging
Speaker 4: that looks like whipped cream cans, but it's sunscreen. Now
Speaker 4: there are critics who say this is bad because if
Speaker 4: a kid sees something, they might think it's something else
Speaker 4: and jests or whatever. But there are they're mixing up packages.
Speaker 4: I don't understand it, but marketing people call the trend
Speaker 4: chaos packaging. And so, for example, there is a gin
Speaker 4: that is being put in what looks like motor oil containers.
Speaker 4: There's perfume being packaged in small spray bottles that look like.
Speaker 5: Window cleaner, the popular wind window cleaner like wind decks.
Speaker 4: What what?
Speaker 5: What are they? Honest to God? I don't understand it completely,
Speaker 5: but it's happening.
Speaker 4: Tampon packaging has been put into things that look like
Speaker 4: ice cream.
Speaker 5: You look it up people. If you think I'm lying, okay,
Speaker 5: some people say, come on, where do you get this crap?
Speaker 5: This is true?
Speaker 4: So so what it is is they want to grab
Speaker 4: people's attention. I for one thing, I don't know. I
Speaker 4: personally believe it's product confusion.
Speaker 5: I mean, I really do.
Speaker 4: I I don't mean that you're going to pick up,
Speaker 4: you know, a tub of tampons and mistake it for
Speaker 4: ice cream and start eating the tampons.
Speaker 5: I'm not saying that.
Speaker 4: I'm just saying that when I go shopping, I don't
Speaker 4: have a I just want to grab something and get
Speaker 4: out of there.
Speaker 5: I usually know what I want. Sometimes I'm not brand loyal,
Speaker 5: but Look do you see that? Look?
Speaker 4: Yeah, that so they have they have crazy like this
Speaker 4: is this is a gin and it looks and it
Speaker 4: says engine Italian organic gin. So it's it looks like
Speaker 4: engine oil and it's yeah, it looks like a motor oil.
Speaker 4: So I don't know exactly the purpose or what genius
Speaker 4: came up with it, but it's happening. And it's called
Speaker 4: chaos packaging, and apparently it's.
Speaker 5: Supposed to.
Speaker 4: Jolt people into looking at the product, whereas they've gotten
Speaker 4: used to packaging and now you never know what it's
Speaker 4: going to look like.
Speaker 5: I don't know. To me, it's crazy.
Speaker 4: And one skincare company they put some lip balm into
Speaker 4: what looks like butter.
Speaker 5: I mean, I don't know.
Speaker 4: I mean, and some of them are are are considered
Speaker 4: some of the packaging it's considered weird. Some people say
Speaker 4: it could be dangerous for confusion, but they what they
Speaker 4: want to do is stand.
Speaker 5: Out on the shelf. So there you go.
Speaker 6: Well, if I'm walking through the feminine products aisle and
Speaker 6: I see something looks like ice cream packaging, I'm definitely
Speaker 6: not picking that up.
Speaker 5: You're not no bon it force. You'll kind of look say, wait,
Speaker 5: a minute. What's that doing here? That's what they're thinking.
Speaker 4: And they're calling it cast because it's not like organized,
Speaker 4: So what what I mean is not organized.
Speaker 5: The way it should be.
Speaker 4: So when you're walking through let's say, a feminine isle
Speaker 4: or you know, just just you know, whatever you want
Speaker 4: toilet ries, whatever you call it, and you do see
Speaker 4: something that looks like an ice cream tub, it will
Speaker 4: make you. I think it'll make you look here, what
Speaker 4: is what the heck? Yeah, yeah, what the heck? But
Speaker 4: maybe you won't buy it, who knows. And that is
Speaker 4: a trend in marketing. Marketing is taking on all kinds
Speaker 4: of stuff. In fact, many marketers are doing all social
Speaker 4: media now, all social media, that's all they're doing for products.
Speaker 4: And they're paying influencers, of course, for product placement like
Speaker 4: they used to pay for movies and TV shows.
Speaker 15: Or candidate placement like Harris paid Oprah and paid Beyonce
Speaker 15: and paid everybody mark.
Speaker 5: Can you believe that?
Speaker 15: I mean that, I feel so stupid when someone told
Speaker 15: me that about Beyonce Oprah and then I forget the
Speaker 15: name of the podcast, but some very popular modern woman's
Speaker 15: day podcast thing. I was absolutely blown away. She paid
Speaker 15: for that stuff. I didn't even know that was a thing.
Speaker 15: It's kind of disingenuous. I mean now, now you might say, well,
Speaker 15: wait a minute. You know you endorse products and services, right,
Speaker 15: but you have to understand something. We're we have airtime, okay,
Speaker 15: and we only have a certain number of slots available
Speaker 15: for people.
Speaker 4: So that doesn't mean that anyone can just pay and
Speaker 4: get on the air either, because truly, and I know
Speaker 4: a lot of my colleagues do too.
Speaker 13: I I.
Speaker 5: They really do care about who they endorse most of
Speaker 5: the time. I mean, I you know, yeah, really it's
Speaker 5: a reputation. You don't want to exactly, and.
Speaker 4: But it's because it's airtime, and it's like I have
Speaker 4: a certain number of slots, so I can only do
Speaker 4: a certain number. I'm not going to just do anybody
Speaker 4: that comes along. And as I said, most of my
Speaker 4: colleagues are like that. But here's the point. When it
Speaker 4: comes to though, endorsing someone for an office and you're
Speaker 4: being paid to show up to me, that's just weird.
Speaker 15: It is weird, But it really is the same thing.
Speaker 15: I'm not saying I don't have I don't have a
Speaker 15: problem with it. What I'm really saying is I was stunned.
Speaker 15: I didn't know it was a deal. I know Trump
Speaker 15: didn't pay for the two big podcasts he did.
Speaker 4: Can you imagine, though, paying someone a million dollars to
Speaker 4: come and make a speech for you?
Speaker 15: And well, the Beyonce one was even stranger because she
Speaker 15: didn't even sing. She was there for a half hour.
Speaker 5: And a million bucks, right, just to bring someone told.
Speaker 15: Me ten million. I don't know, you know what, Dragon
Speaker 15: might know.
Speaker 19: He's up reports the ten million for her to actually
Speaker 19: sing and perform doing an actual concert. So the million
Speaker 19: seems much more reasonable for her to just show up.
Speaker 4: And speak for a half listening. But okay, okay, so
Speaker 4: Oprah did show up. You could argue that she took
Speaker 4: time out of her schedule. She's a very very rich
Speaker 4: and powerful woman and she does she is pretty busy,
Speaker 4: so okay, so you can see being paid for your
Speaker 4: time and energy.
Speaker 15: To do that, and of course the traveling, the security, right, right,
Speaker 15: And then you.
Speaker 4: Can also make the argument that you can also make
Speaker 4: the argument that she wouldn't have done it if she
Speaker 4: didn't believe in what she was doing. Okay, so let's
Speaker 4: make that argument. But what if now I'm not saying
Speaker 4: this happen. But what if someone endorses someone. I'm not
Speaker 4: talking about making appearances, but endorses someone. What if they're
Speaker 4: and I'm not saying Taylor Swift did this, but what
Speaker 4: if somebody took like a tailor Swift and said, hey,
Speaker 4: just come out and say you're gonna vote for me,
Speaker 4: and I know you like me and you get this
Speaker 4: much money.
Speaker 5: Now, that would wouldn't you Wouldn't that be dirty? I
Speaker 5: think that would be dirty.
Speaker 4: And I'm not saying I don't know, and I'm not
Speaker 4: saying that's happening, but oh, Mark, come on, if someone
Speaker 4: if someone came out and said I'm voting for Kamala
Speaker 4: because of this, this and this, or they make.
Speaker 15: A social tweet or the Mountain lie their asses off
Speaker 15: is what you're saying.
Speaker 4: No, I'm saying if they, even if they mean it, though,
Speaker 4: to be paid for that to me would be a
Speaker 4: little weird when it comes to politics. It just doesn't
Speaker 4: seem the same as a product or service. I don't know,
Speaker 4: I might be wrong anyway.
Speaker 5: Three oh three seven, one, three eight, two five five.
Speaker 5: We have more coming right up.
Speaker 4: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content
Speaker 4: time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with REMAC Alliance three
Speaker 4: all three nine two zero sixteen twenty two. Hi Tom
Speaker 4: Martino here three all three seven only three talks seven
Speaker 4: on three eight two.
Speaker 5: Five five Andrew, you have a question on the states?
Speaker 5: Go ahead, Andrew, what's going.
Speaker 7: On with you? Yes, my wife received a call from
Speaker 7: the state of New Mexico. Her previous husband passed away,
Speaker 7: and she I think he passed away like maybe a
Speaker 7: year and a half or two years ago or something,
Speaker 7: but kind of a bad thing. So she really hasn't
Speaker 7: had any communication with the family or anything. But she
Speaker 7: just she received some texts recently from the State of
Speaker 7: New Mexico.
Speaker 13: About about the estate, and she was just what did
Speaker 13: they want to know?
Speaker 7: I think they just want her to contact then, but
Speaker 7: I was just curious.
Speaker 4: Okay, Well, here's what would happen, and this is very unusual.
Speaker 4: But normally she would be entitled to nothing. Was she
Speaker 4: married more than ten years to him?
Speaker 11: Uh?
Speaker 5: No, No, okay, so she's not even entitled to Social
Speaker 5: Security benefits? If if?
Speaker 4: But so, I don't understand why they're contacting her or
Speaker 4: if it's really them.
Speaker 5: Is it really them? She hasn't tried back yet, but
Speaker 5: either there could be something that he did not see.
Speaker 5: Sometimes when people get divorced, they don't do the right thing.
Speaker 5: They don't always.
Speaker 4: Remove people from beneficiaries. In fact, it happens a lot
Speaker 4: where you forget to change your beneficiary.
Speaker 5: So she's still on something and the ESCHET funds for
Speaker 5: the state.
Speaker 4: Since none of the family members who are surviving and
Speaker 4: know him were notified because they're not the beneficiary, they
Speaker 4: would not be notified.
Speaker 5: The estate would not be notified. They would go to
Speaker 5: the beneficiary. When they can't find the beneficiary, it goes
Speaker 5: to the state.
Speaker 4: And it could be the state calling her to say,
Speaker 4: you know you were left this or this is part
Speaker 4: of something. So there might be something where she was
Speaker 4: named beneficiary and he never changed it.
Speaker 5: I see that could happen. In fact, it happens more
Speaker 5: than it happens more than you believe.
Speaker 13: I see.
Speaker 5: So what did they say to do? Did they say
Speaker 5: simply to contact them?
Speaker 13: Yes?
Speaker 5: Okay? And did she do it?
Speaker 4: No?
Speaker 7: I just wanted to check with you and see if.
Speaker 4: I would contact them if it's truly the state. Now
Speaker 4: do you know did they give you a link or
Speaker 4: did actually just say contact the state or what?
Speaker 7: I think they gave her a number on the text,
Speaker 7: and just.
Speaker 4: Make sure it's highly unlikely. See, I never heard of
Speaker 4: a state actually texting anyone. If you want to give
Speaker 4: us that number, we can have it checked out.
Speaker 5: Yeah, what do you think?
Speaker 19: The possibility is that it's a collections agency looking to
Speaker 19: get some kind of a debt from him through her.
Speaker 4: It could be that too, But but he has he
Speaker 4: he's they may they mentioned he's deceased in that text, right, Yes,
Speaker 4: you know it could be a phishing expedition.
Speaker 5: I would be highly suspect of a text. I've never
Speaker 5: heard of the government texting you at all. Ever.
Speaker 7: Yeah, I'm wondering if it's just a party representing the
Speaker 7: state or something that. But I mean, he was actually
Speaker 7: pretty wealthy, so I don't know if he you know,
Speaker 7: like you say, maybe left her name on the house
Speaker 7: or something.
Speaker 5: Or yeah, could be, but I still don't understand why
Speaker 5: you would be texted. You know, Hey, do you let
Speaker 5: me ask you this. It's do you have that you
Speaker 5: don't have the number on? You can give us off
Speaker 5: the air.
Speaker 7: I don't have it. She's gottered on her phone.
Speaker 5: When you get a call us back, we'd be happy
Speaker 5: to look it up for you. We have ways of
Speaker 5: doing that that could be telling. So just let's figure
Speaker 5: that out.
Speaker 4: And then just feel free to call back three oh
Speaker 4: three seven one three talk. But I would say they
Speaker 4: just don't text. I just can't ever imagine anyone from
Speaker 4: the state saying, you know, contact us and they give
Speaker 4: a number. Never I would almost I'm almost positive on that.
Speaker 4: One three o three seven to one, three eight two,
Speaker 4: five to five. Okay, So you heard, and many of
Speaker 4: you have responded, and I just want to give my
Speaker 4: sincere thanks for contacting me at Wave eight Wealth Management.
Speaker 4: I've gotten back to each one of you personally. Many
Speaker 4: of you have met with us, and I appreciate it.
Speaker 4: I don't take that trust lightly. The history behind it
Speaker 4: is I started the company because I was frustrated with
Speaker 4: the entire industry using what they call a TAMP model,
Speaker 4: which is a turnkey asset program. It's really a management
Speaker 4: program TAMP, and it's where financial.
Speaker 5: Advisors say they're your advisor, but they really simply take
Speaker 5: your money and place it with big, giant advisors and
Speaker 5: then they claim they're your advisor. But those big advisors
Speaker 5: they don't know you from anywhere.
Speaker 4: Now, I'm not telling you you're gonna have bad results
Speaker 4: all the time like that, but you're not going to
Speaker 4: get the results you want for your personal goals and objectives.
Speaker 5: And I believe that you want personal attention if you're
Speaker 5: like me. So that's why I started the company. Now,
Speaker 5: I started at first for myself, I really did, and
Speaker 5: then after about five or six years, I decided to
Speaker 5: register with the Securities Division and make it an official company.
Speaker 4: If you want someone who invests alongside you and babysits
Speaker 4: your money like their own and literally knows you and
Speaker 4: will not grow beyond knowing each and every client, then
Speaker 4: you want to join us. You can contact me invest
Speaker 4: with Martino dot com. The name of the company is
Speaker 4: Wave eight Wealth Management. You can go to Wave Eightwealthmanagement
Speaker 4: dot com. The number eight, but it's invest with Martino dot.
Speaker 5: Com or give us a call. Three oh three seven
Speaker 5: seven to one help seven seven one four three five seven.
Speaker 4: Again, you have my pledge. This is not where we're
Speaker 4: going to schluff it off to anyone else. Now, we
Speaker 4: consult with experts, but we don't outsource anything. We take
Speaker 4: full responsibility. Three oh three seven to seven help help
Speaker 4: invest with Martino dot Com. Hey, I'm Tom Martino, your troubleshooter.
Speaker 4: Three oh three seven to one three talk three oh
Speaker 4: three seven one three eight two five five. Now, as
Speaker 4: you can see, we have our experts with us on
Speaker 4: real estate, and we did I did have some Uh
Speaker 4: let me get to this last these last minute texts
Speaker 4: right when here is.
Speaker 5: CHAFFA. What is that?
Speaker 11: Uh?
Speaker 5: Is it chaffa?
Speaker 13: Oh? What is that?
Speaker 5: You want to weigh in on that? Is it still available?
Speaker 5: They want to know, boy, I haven't done a chaff
Speaker 5: in a while.
Speaker 13: What is that?
Speaker 5: Is it a down payment assistance program or since.
Speaker 2: Yes, and and boy, and I believe it's based on
Speaker 2: your credit if you qualify it to go that route.
Speaker 2: I haven't done a chaff in a while though it's
Speaker 2: been a while, but there are down payment assistance programs
Speaker 2: out there we could put a little as a thousand.
Speaker 4: I'm asking you with first time buyers, what is available
Speaker 4: for first I mean it's so expensive right now. What
Speaker 4: do people do that are working their asses off and
Speaker 4: this for to be a first time buyer?
Speaker 5: What do they what's available?
Speaker 2: The good news, Tom, is there's down payment assistance programs.
Speaker 2: Our office actually has in house lending where they actually
Speaker 2: do even portfolio type loans where a first time buyer
Speaker 2: can go in and put as little as one thousand
Speaker 2: dollars down out of pocket. So there are programs out
Speaker 2: there that are great. But of course it depends on
Speaker 2: qualification and credit and those types of things.
Speaker 4: Okay, so there are programs available, Yeah, Okay, someone else
Speaker 4: wants to know.
Speaker 5: Okay, So are there are there any foreclosures for sale?
Speaker 2: Well, Tom, I mean there's some. I mean it's very
Speaker 2: slim picking though. And the thing is is everybody's had
Speaker 2: so much appreciation over the years. Even people that get
Speaker 2: in trouble where they fall behind, we find they have
Speaker 2: plenty of equity. I'm helping a gentleman right now so
Speaker 2: we can avoid foreclosure. We're trying to make it where
Speaker 2: he can actually just keep the property so we're working
Speaker 2: something out with his HOA. He's got plenty of equity.
Speaker 2: If he gets in a pinch, he can always sell
Speaker 2: it and he's not gonna be up down. So we
Speaker 2: don't run into that as much as we did back
Speaker 2: in the day.
Speaker 5: Stephanie, do you run into people in trouble, you.
Speaker 6: Know, occasionally, but the same the same people are so equity.
Speaker 5: Because because houses have gone up so much in.
Speaker 8: Value, Yeah, it's easier to sell them.
Speaker 6: Really when they get to that distress point.
Speaker 4: One guy says, check with the state as cheat funds
Speaker 4: if you think anything was left to you and it's
Speaker 4: with the state.
Speaker 5: Now it's called a chet funds. It's really the Treasury Department.
Speaker 5: A lot of people call it.
Speaker 4: You know, they're just unclaimed unclaimed securities and unclaimed money. Anyway,
Speaker 4: I'm Tom Martinez, running out of time. Remember save all
Speaker 4: your problems for me.