The Troubleshooter 4-18-24

Episode Transcript

(00:00):
Y'all ripped up news, need advice? Who you don't have? Come running
just as fast as we can shoot. That's gonna help coming, man.
This is the Troubleshooter Show. NoTom Martino, Hey, Hey, hey,

(00:25):
Tom Martino here three oh three sevenone three talk seven one three eight
two five five. What's on yourmind today? I'd love to help you
with a problem, a question ofcomplain anything near and dear to your heart
and pocketbook we talk about. There'snothing really off limits to talk about.
If you'd like to talk, I'dlove to have you call in. Today's

(00:48):
a kind of a dreary day.We have a guest from the refer list
here. We have guests on fromtime time. We have Jackson with us,
Jackson. I've known Jackson for many, many years with k Guard and
Jackson. Why don't you explain whatyou do? Well? Good morning,
mister Martina. Thanks you call meTom please. Sorry, I know I'm
old, old, I'm through yourgrandfather, but you can still call me

(01:10):
Tom. Yes, sir, wellTom, and keep the mic real close
to your mouth there, Yeah,first time, so you forgive me,
yes, sir well, just gutterprotection. So at the end of the
day, you have a few differentoptions. You have screens, filters,
and then hardcovers. Those hardcovers you'veprobably seen it on TV where the water
rolls back against gravity all the hardmaterial. Gut her helmet's a good example.

(01:34):
That's exactly right. So there's onlythree companies that own the patent rights
to that reverse curve. You havegutter helmet those, yes, sir,
good one sorry tom so you haveyou have gutter helmet. You have is
key guard the name of the systemor the name of your company only both?
Actually yes, sir, so,so who's the other one? You

(01:55):
have to leave guard? Leaf guard? Now? Leaf guard, though,
is the whole gutter. So guttercoil comes in at fifteen inches maximum and
leaf guard owns the patent rights onturning that fifteen inches into a gutter and
cover all in one. So areyou a hole gutter? So ours is
a yes, a hole gutter.And well, when you come into a
house, you don't put the topon it like the screens or like a

(02:20):
gutter helmet, you put the wholegutter up. Correct, So gutter helmet
owns the patent rights on the curvethat goes on top of a normal gutter.
The only issue there is they gointo the roof, so you may
have some issues with roofing warranties.But with ours, it's a trough and
a cover all built together, andthen one gutter, yes sir, yes,
sir, and it comes in fouror five inches. It's actually this

(02:43):
equivalent of a six inch okay yep. So leaf Guard was originally built back
in the seventies, when your averagegutter was a four or five inch,
your average home was eighteen hundred,two thousand square feet. In today's world,
those homes are much bigger. Soif you think about your house,
it's basically a giant net that catcheseverything out of the sky and then funnels
all that water to three or fourdownspouts. Well, in order to hold

(03:07):
that waters all the way through thesystem, you just need bigger gutters.
No, no, I agree.But the people that would sell against you
would say, why replace all yourgutters when we can just cover them up?
Absolutely? The better question is no. I like the idea. I'm
going to say this right up front, not because you're here. I like
the idea of the whole new system. I like it. I always have

(03:27):
liked that idea. But then peoplewould tell me, well, Tom,
if they have perfectly good gutters,why do it well perfectly? It's probably
a hard thing because number one,what beats gutters isn't water, it's ice.
So as we put a bunch ofweight on them, they pull on
them and in between your brackets,the metal will start to give. And
that's why when you look down you'llsee the undulated gutters, the flowing gutters,

(03:50):
and that's where you have. Yeah, and that's where on top of
that, now you're going to gowork on them putting on a cover.
So those gutters aren't really perfect myname, you know what I mean?
I like that. Now? Arethey painted at the factory? Are they
embedded with paint? Yes? Tom, So we don't have maintenance on that,
right. Can you paint them ifyou want to, Yes, I

(04:10):
wouldn't recommend it, not when you'repowder coated or however baked on from the
factory. Are they extruded as seamlessYes. On site, so we have
a thirty five foot box truck thatbrings out the gutter machines. Yes.
So if you have a long run, you don't have a bunch of seams.
Yeah. Our longest is one hundredand eighteen feet down in color Springs
cool seven. You guys, ifyou have any questions on that this is

(04:32):
his season, I would imagine whatare you do in the winter go to
the beach? Yes, sir,yeah, so k guard. By the
way, on the refer list,referless dot com, Ludmilla. I hope
I'm saying that name right? Isit Ludmilla? Hello? Yes, Hey,
that's a weird name. I meanin a nice way. What kind

(04:54):
of name is that? Ludmilla?Russian? Russian? Okay, what's going
on, Ludmilla, what's happening?Yes, but my children purchased a gift
card flyne travel gift cards from FrontierAirlines yes and seven and it was supposed
to be no fee, no expirationdate. I tried to use it finally

(05:17):
last year after numerous So it's aFrontier Airlines gift card, correct, And
it's a travel gift card. Ididn't know that. I didn't know they
did those. Well, this isthat way in two thousand and seven it
was yeah, I mean that's along time. So you you've had this

(05:39):
since then, and let me guessyou can't use it. I can't use
it. I can use it onmerchandise Frontier Airlines merchandise, but I'm not
going to spend two on a hat. And let me ask you some of
lue Miller. Originally it was forflight correct and I'm wondering, did is

(06:00):
this the same? And I'm sorryto ask this and I should know it.
But over the years, Frontier hashad many forms. Is this the
same company that sold those vouchers?Do you know are those gifts? Yes?
It is, Yes, it is. It's the same Frontier Airlines.
Okay, okay, service? Allright? Now the terms and conditions when

(06:25):
you bring it up to them,what do they say when you say,
hey, why won't you honor it? I mean it's pretty clear. What
do they say? Does it sayit expires? I mean, to me,
seven seventeen would have made it tenyears, and then eighteen ninety we're
talking about sixteen years, right,correct? And it was purchased my late

(06:46):
husband passed away in two thousand andsix, so my children bought it as
a Christmas I get yeah, no, no, I get it. But
what do the terms in? Whatdo the terms and conditions do? It
said no expiration dates and there wasno fees because I was worried about the
fees that you know how they havecharge and they charge you monthly at fee
and then you have to Does itsay that right on the gift card?

(07:10):
Does it say no? Expert?Does yes? I set that to your
office in an email. Uh dodo we have that? Susan? I
want to look I'll email it toyou. Yeah, she's going to email
that to me. I want totake a look at it. I really
do no expiration date, you know, I mean, I don't see how
they get around it unless they say, well, you know, Tom,

(07:32):
I mean it's been seventeen or howevermany years, it's still in my opinion,
I mean, they don't put anykind of expiration. I want to
look at it. Okay, holdon, all right, well we'll look
at it. See. You know, why would Frontier do this? Why
would they screw around for two hundredbus'd she say two hundred and seventy bucks
or two forty two thirty whatever.Here's the thing, Ldmela. I agree

(07:57):
with you. It sounds RINKYDNK tome. Three oh three seven one three
talk seven one three eight two fivefive. Then that's in the studio here.
Of course, you know we havethree oh three Martino. You can
call twenty four to seven. Thegood thing about that number, we will
take your number and call you back. That's three oh three Martino three O

(08:18):
three six two seven eight four sixtysix. Lisa, Hi, Lisa,
what's happening? Lisa? I needto take a client to small claims and
I want to make sure do Ijust send it to the registered agent or
do I send it to the ownersat their home as well? Good question,
Well, we'll go over it because, uh, we have gotten to

(08:39):
be experts here because Mark has suedso many people in small claims court,
which is a good thing because hewon every time. We'll talk about that
coming up on the Troubleshooter Show.Go with a sure thing Denver's Best Roofer
Excel Roofing dot com. You don'tpay a cent to your content. Time

(09:03):
for an insurance checkup, free,no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurancecompanies find out now three oh three seven
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the Real Estate Man dot comto list your Home with Remax Alliance three
oh three nine two zero sixteen twentytwo. Hi Tom Martino here three three

(09:26):
seven to one three talk. Bythe way, the Castle Rock Home Show
it's going to be starting tomorrow.Today's Thursday, right at least it was
when I woke up, So anyway, it's starting tomorrow at the Douglas County
Fairgrounds. More than three hundred people. Are you are you you're going to
be down there or no? Wewere in the Kiwa I'll lookay show and

(09:50):
we just finished with the Evergreen.I think they're the same people and they're
putting on one and they're really goodone stop shop for to just go around
and look at a bunch of stuff. And that's starting tomorrow at noon,
the cash Rock Home Show at DouglasCounty Fairgrind. So it's kind of cool,
Okay. Now Lisa wants to talkabout small claims. So Lisa,
out of curiosity, I'd like toask what kind of business where you're suing

(10:13):
a client? What? Because thereare other ways to do this, I
just want to go over it all. So what is the business? Own
business? Were electrical contractors? Oh? Okay? And is this so you
did work on a commercial building.Yes, replacement an overhead line that had
been damaged. You know, youcan put a lien on the property,

(10:33):
which, in my opinion gets theirattention. It's been too long. We
did the work like in August,uh huh, and there is no other
work that needs to be done tomake it safe or perfect, like because
it's four months from the last timeyou left the job. I'm not trying
to be tricky, wink wink,but sometimes people find that, oh,

(10:54):
you know, the inspector wanted usto do this, and then they didn't
want to do it because they didn'tget paid, And I tell them,
go back, I can do it, so you can start your four months
again. You see what I'm saying. But anyway, just in case the
inspector ever said, you know,how about this or how about that,
or there was something you didn't dobecause they weren't paying, you may want
to do it just to get thatextension. But having said that, if

(11:16):
you if you're not going to leanthe job, then small claims court would
be one option. How much dothey owe you a right around fifteen hundred.
Okay, now, if they oweyou fifteen hundred, that's a pretty
good amount. And so I wantto ask something though, why are they
not paying? Are they claiming somethingis wrong? They won't talk to us.

(11:39):
We've done two or th other jobsfor them, and I have no
clue what happened. Okay, andthey won't talk to at all. No,
that's weird. Okay, So smallclaims court, who did you contract
with the entity itself? Right?The owner called? Were out of town

(12:00):
and an employee had hit an overlyingOkay, and when the employer the employer
called, and you can prove youdid the work because even if he said,
well, we didn't have a contract, it doesn't matter. It's falls
under what's called quantum quantum merrowit,which means they got the value and they
didn't object. So you did thework. And then he called, So
I would sue him, and Iwould sue his company. If you don't

(12:22):
have a written contract, I wouldclaim that he did. He requested the
work personally and the company, soI would sue both of them in small
claims court. So there are twoseparate forms. I believe. I believe
that I can ask Mark, butI believe you can put both defendants on
one form. But then you haveto serve two different times. Okay,

(12:45):
okay, So you can sue themboth on one form I believe. But
then you sue, then you servetoo. So what you would do is
you serve him personally wherever he is, if he's there, not you,
but somebody like a process server orsomebody not related. And then then you
sue the registered agent of the corporateLLC. And it's most likely him,

(13:05):
but you you know how to lookthat up on the Secretary of State site.
I do. Okay, So doyou have a registered agent separate from
the owner his wife is to servethem both, and then you can ask
for reasonable interest. You can askfor attorney's fees. Well you're not going
to have any but minor collection fees. But like the cost of small claims

(13:28):
court is what I'm saying. Soanother thing, if you want us to
we don't mind calling and saying whyaren't you paying this? Why aren't you
paying these people? I mean,we do that all the time. Now,
we're not a collection agy, don'tget me wrong, But this is
a consumer show. So if you'rea small business, you're working with another
small business, it's kind of it'skind of like consumer I mean, it's

(13:52):
not like some giant contractor did workat the airport. Now we have to
get them paid. You know whatI'm saying. If you want us to
no, I understand. So ifever you want us to do that,
sus you can give that to her, give it to dollar if she wants
to, you know. So,uh, let's do it. Three oh
three seven one three talk three ohthree seven one three eight two five five

(14:16):
and lude, Milla, what wasthat? Let's see. Oh yeah,
we're going to have to figure thatout. Do I have it in my
email right now? It should bein your email to Okay, I'm going
to look at it right now.Did she tell you the date on that?
Yeah? Two thousand and seven?Whoa, huh? I know,
no, I we we know it'sold. But still I'm looking at it,

(14:37):
like, what fifteen years old?Yeah? But where's the she gave
me a letter she didn't get Oh, where's the voucher? Scroll all the
way to the last page. Okay, the voucher. Okay, but this
was like, this is like anemail, I don't it is like an
email voucher. It has the vouchernumber, the pin number, okay,
and it says mom, we loveyou so much. Yeah. Here it

(14:58):
is the voucher and pen and thenconditions there they are. Let mean,
let me, I'm going to enlargethis screen. Okay, conditions for Frontier
Airlines gift card. Gift cards haveno value until activated at the time of
purchase. Okay, what does thatmean at the time of purchase? Did

(15:20):
at the time they was this activated? I mean, I don't even let
me ask her, Ludmilla, wasthis activated? Yes? It was.
I knew exactly what it was,except where required by law. Gift cards
will not be replaced if lost solardamage, nor can they be redeemed for
cash. Have no expiration date.And then it says see Frontier Airline slash

(15:48):
gift card for full term. Uhoh, I need to look at that
part. That's what I need tolook at. Did you look at that
part? Yes, I did,and there was nothing that said an that's
one more place I need to look. So I call that phone number and
they're no longer there. So that'swhen I did corporate office. I get

(16:11):
it. I get it. Butwhat I'm saying is Frontier Airlines is still
there and I'm wondering if they havethem. So I'm going to go to
Frontier Airlines dot Com and then yougo slash whatever and then we'll see what
it says. Yes, Susan,somebody's mentioning I think it's Chopper is saying
on YouTube that is Frontier has beensold a couple of times, so well

(16:33):
no, and we mentioned that,and can we mention that? But was
it since seven? That's what he'ssaying. If that's the case, see,
that's a problem too. So ifthere is another entity, all bets
are off. I mean, ifit is enough. But they didn't even
try to make well what did theysay, actually what exactly? They said?

(16:55):
I could use a gift card intheir store at the airline, But
why did they say you couldn't useit? Yeah, they have no page
that exists that says Frontier dot comslash gift cards. So what I'm going
to have to do this is crazy. There's something called an archive of the
Internet, and it's not going tomatter what their terms and conditions are today.

(17:18):
It's going to matter what they werewhen you bought it. And archive
I believe it's archive of the Web, archive dot net, whatever it is.
I got to find it and whenI find it, because that's not
it so we go to the webarchive and then we look for those dates
or close to that date. It'scalled the wayback machine. And I know

(17:41):
this is weird because you go tothe wayback machine, We're going to put
in Frontier Airlines and then what we'regoing to find is what it looked like
back then and hopefully that was thatwas put away and saved, so we'll
see. You think it's different,is why would they allow me to use
it in their store as well?Hold on, here's why I think.

(18:03):
First of all, I think it'sRinkyDink. They're giving you a hard time
no matter what. I think it'sstupid, even if they were sold.
But here's why I think they're doingthat. They're doing it. Let's just
say the terms and conditions at thetime, whatever whatever they were, and
then yours is not valid. Okay. I'm just saying. If that's the
case, then even then what theywould have. What they're doing is they're

(18:29):
probably saying, but we're going tostill let you do it for merchandise.
I'm not saying that's the case.Let's just figure it out. I'm going
to look at what was on theirsite back in the early two thousands,
and see if we can come upwith something three zero three seven one three
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(18:55):
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don't like about coming into the studiois drinking this bottled water. I don't
care what the name is because they'refilled with crap and nanoplastics, And at
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(19:22):
dot com. You don't pay acent until you're content. Time for an
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(19:45):
three oh three nine two zero sixteentwenty two. Hi Tom Martino here three
oh three seven one three talk threeO three seven one three eight two five
five. I am having a toughtime finding this the wayback machine. I'm
kind of back there, but thatone particular page, I'm not sure they

(20:11):
bookmarked it. It's such a painin the ass. She's had this since
two thousand and seven, and againthey're telling her she can use it only
in the store. I will tellyou this, Mela. We can't do
this right now, but I'm goingto have Deputy Chopper look at it because
he emailed me about it. Hesays that Frontier has been sold since two

(20:34):
thousand and seven a couple of times, which would mean that your gift cards
are no longer valid. So Ican assure you that when they sell entities,
none of the obligations carry forward.Unless people are morons. They never
ever structure a sell that way.Yes, we will take on all of

(20:56):
your debt or all of your previousstuff. Don't do it. So I'm
going to give this to sus Let'slet Dak find out our deputy Chopper,
Okay, to him. He's inCosta Rica for a couple of weeks.
Did you know that he's in CostaRica? Yeah, these jerks are all
taking vacations. I'm the only onewho's I mean, I'm the one who

(21:17):
should be on the beach, nothim. Do it time and then you
and Mark. I mean, youknow what. I just was talking to
somebody the other day about it,and I said, maybe it's because I
just love my life and what Ido. I know it sounds corny,
but I guess I should be retiringsoon, right, I guess I should.
Okay, you want to come inhere, I'll leave. Please don't

(21:38):
do that. Three h three sevenone three talk seven one three eight two
five five. I think I'd probablyget up and start talking for four hours
into the space and make believe oftalking to people I don't know. Jackson's
with us from k Guard and Jackson. I have a question from somebody who
wants to know about these gutters.Do they come any bigger that you say

(22:03):
it's equivalent to six inches? Well, excuse me, they didn't say bigger.
What does that mean? Is ita six inch gutter? So the
way a six inch cutter is designedis you're six inches at the widest point
three and a half inches tall.And it tapers back to a four inch
bottom. Ours is actually six anda quarter inches tall five and a half
inches wide, and it's actually morevolume. Yeah, more volume, more

(22:26):
volume than a six inch yes,sir, yes, sir, okay.
And ice damming usually anything with acover on it is subject to ice damming.
Sometimes, does this happen? Yes, So ice damming actually starts on
the eaves. Yeah. So yeah, you have your thermal wall and then
you have a soft the soffet hascoal. They're bringing it up to the
roof, and so it starts abouta foot back. So you mean it's

(22:48):
not because of gutter covers, No, not at all. Actually, it's
just you see more icicles because usuallywith an open gutter, it fills up
the trough first, so that withvolume of ice yeah yeah, yeah,
whereas a cover all covers, allice goes over the top, right,
So it looks like more ice.Yes, they don't produce the same amount

(23:08):
of ice, yes, but it'sjust all on the outside. Correct.
So instead of when you have anopen gutter, ice back builds under your
shingles, under your drip edge.And that's why code requires ice and water
on the last two feet. Iceand water dam shield shield rightyep, under
the roof. That's to protect yoursawfets in the face aboard and all that

(23:30):
eaves because ice does back up againstyou. Yeah, all covers push the
ice forward with that little slope.But as a result, the byproduct is
icicles. And that's where you seea lot of those zigzag heat cables on
the edges. That's what they're tryingto prevent is ice damming. So ice
stamming starts about six or eight inchesup the roof, and that you do
heat cable as an option. Wedo actually see automatic resistance heat cable,

(23:53):
so you just leave it on allthe time you can yep, and it
only comes on where you need itwhen you need it. Well, so
I mean it's it's resistance bass whatI mean? Right, Yes, So
it's a wire. But the problemwith that is you don't have a you
don't have a thermostat on it?Oh you do? Yours has one?
Yeah, they're are thermostats included init. What about the one the wire

(24:15):
that has the that's like built tojust come on when needed. Have you
heard of that? So there's sensors, ones that have moisture sensors and the
spine. Those are semi effected.You've met that blue wire that it's it's
heat. So what happens is coldreduces the resistance. Okay, so you

(24:38):
don't really have to tell it whereto put current. When it gets cold,
the resistance is lowered and it goesto that area. That's true.
The only like caveat to that isin Colorado, we'll have a snowstorm,
it'll be gone in three days,and every night after that it's still going
to get cold. So you're runningthat cable while it's cold versus you only

(25:00):
need it when there's moisture there.Oh, I see, whereas the other
you're right, and the blue wirecomes on no matter what, just because
it's close. Anyway, what doesthat cost per foot? When you add
heat wire to gut a gutter,usually you're around fifteen to eighteen bucks just
for the wire. Well, sowhat we use is the commercial cable.
You can go to home depot andget those real little cord heat cables.

(25:22):
They're like one hundred and sixty twohundred bucks for you know, one hundred
and sixty three what it is.Yeah, but those only have a one
year warranty and you can't overlap them. They're pretty So these you put up
and they're good for years and yearsand years, and their thermostatically controlled.
Yeah, those are fifteen year warrantiesif you go to your wells fargo.

(25:44):
But they're moisture based, not thermostatbased. Those are thermostat based. Can
you get moisture based ones? Yes. They make a sensor that has a
six foot spine and if six inchesof it or more get wet, it
turns the system on and that's whenthose cables get turned on Base Sun Moisture.
We've had relatively good success with those. Yeah. Yeah, they're hitting

(26:06):
miss three oh three seven one threetalk seven one three eight two five five
here? Yes, who's well?Real quick? Tom? I just had
someone call about Frontier. They didfile bankruptcy as a few years back too,
So oh then that totally did awaywith her gift card. Eh.
I mean, first of all,sales do it? Bankruptcies do it?
I mean that? I mean,first of all, how do you sit

(26:27):
on a gift certificate since two thousandand seven? I mean there's sixteen years?
How do you do that? Howdo you do that? Maybe she
loves your life like you do Imean, you know, she didn't she
didn't want to use it. Shedidn't want to fly a point. But
no, gift cards are like,are just totally I mean, what can

(26:48):
I tell you? I mean theyhave to be used. In fact,
I don't I don't particularly love itnow, it says here Tom, anyone
who lives in Denver knows Frontier hasbeen sold so many times. It's not
it's silly. And then what's goingon with the cyber truck. Here's a
text I got, yes, Iread about that they stopped production. Apparently

(27:12):
the owners even got do not drivewarnings because they take off and go nuts
full speed. And you know,Tesla's having his challenges. They've laid off
ten percent of the workforce, whichis pretty pretty significant. They say they

(27:33):
may lay off more. Susan Marksaid. Also, the full driving feature
down went from two hundred to onehundred a month. One hundred bucks a
month, I know it. Andthey gave everyone a thirty day trial because
most people at have it, includingmy son. He said, holy crap,
it's like the best thing he's everhad. And it's and now that

(27:56):
it's just one hundred bucks a month, he's trying to hit me up for
it. I'm not going to doit, but but I'm not going to
add that on. He can payfor it if he wants to, but
we know that won't happen. SoI just think, I just think that
that is a smart move because reallythere is no cost of sale. See
there. I mean there's the costof goods in development, but come on,

(28:18):
once that's done. The brilliant thingabout software and downloads to cars and
satellite transmissions, you have no costper unit. So by doing this,
he's going to increase revenue. It'spretty obvious. Okay, Yeah, we
can have Uh, we never knowwhat's going to happen. Sometimes we're slams,
sometime we're not. But you canget your calls into three oh three

(28:40):
seven one three talk three oh threeseven to one three eight two five five,
or you can call three oh threeMartino. And don't forget the Castle
Rock Home Show starting tomorrow at noon. That's at the Douglas County fair Grounds,
more than three hundred booths. Gowith a sure thing Denver's Best roofer

(29:03):
Excel roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free noobligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three all three seven to
seven to one. Help You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot Comto list your home with Remax Alliance three

(29:27):
oh three nine two zero sixteen twentytwo. Hi Tom Martino, your troubleshooter
three all three seven one three talksseven one three eight two five five Joel,
Welcome to the show. What's goingon? Good morning, sir.
Hey, I'm calling because, uhthere's a there's been some fraud committed and

(29:48):
uh they they forced singisers on propertyand the property owner is my mom,
really, and I'm gonna get hersomehow because she so tell me what kind
of fraud? Now, you know? Is it like somebody forged the title?
Yes, and uh there was anordery she was involved to and she

(30:11):
knew exactly what was going on andshe she authorized the signatures. So what
did they do? Did they claimthat they bought your mom's house? Yes,
they claimed they bought them up mymom's house and it was zero fun.
So they pretty much got it forfree in that No. No,

(30:32):
but hold on, But there's awhole bunch I need to ask and thank
you for calling for your mother.So, first and foremost, how did
you discover this? Let's go there. My brother and I we were trying
to move in into that property.Why is it vacant? That was it
vacant? What? My mom alwaysrented that problem? She always Okay,

(30:53):
that's where I want to start.Then, Joel, this was a rental
property of your mom's, Yes,sir, okay, go ahead. And
then it was vacant and you wantedto move in, yes, And at
the end she ended up telling herthat they committed fraud on her. Well,
hold on, So when you wentto move in, did someone stop
you? No? I told mymom about it, and she said,

(31:17):
how did you find out about it? See, Joe, I need to
know what happened. You went tomove into the rental Take it from there.
No, I wasn't going to movein. I told my mom about
the house. There's no way Icould move in. She said no,
because there's a person that already dida scam on me. And I don't
know what to do anymore. Andoh my god, I got it.
Your brother and you go ahead.We went to the Adams County records and

(31:41):
we pull out some records and wepull out some fake signatures and it's not
my mo Ow's signature, and thecoastliner that's not So what are they?
How long ago were these papers filed? It's two thousand and six eighteen on
some documents that I have with it, so some of them were way back

(32:04):
then. So what has your mombeen doing since then? I mean,
this doesn't make sense. So yourmom has rentals and somebody stole the rental
or claimed they bought it back intwo thousand and sixteen. What has she
been doing since then? Well,she never confessed to us. She never
told there was nothing before. Whendid she find When did she find out

(32:25):
about it? That same year?And she never did anything about it.
She went to the Adams kind ofshares and they were being biased. They
couldn't get no old records from thesignatures or anything. But now, okay,
then how did she know back intwenty sixteen that the house had been
stolen because of the tenant and shewas trying to kick him out of the

(32:52):
property and the tenant said, thetenant says, you're not the landlord.
Yes, and the Adam's kind ofshowed up and they removed us from the
property and removed your mom from herand said this is no longer your house.
Yes, sir, So your momwent home and never told you guys

(33:12):
about it. Yes, And I'mjust sound now I told them. But
it's too late. I mean,I don't know of anything that can be
done now. I mean, evenif it was fraud, and it probably
was. Now before people say tome, that's why people should have tidle
lock, I say, no,this thing, no title lock, is
a bunch of crap, And I'lltell you why it's a bunch of crap.

(33:38):
But but I will tell you whatwhat probably went on. Hold on,
Joel, do not hang up,and we'll figure this out. I'm
not sure what we can do,but let's explore all options. This is
not the first time homes have beenstolen. And will tell you how and

(33:59):
why and why tidle lock wouldn't havehelped anyway. Go with a sure thing
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(34:22):
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your home with Remax Alliance three ohthree nine two zero sixteen twenty two rip.

(34:43):
You need advissel, you don't have. Come runs as can. Shooter's
gonna help. Come man, Thisis the Troubleshooter Show. No Martino,
Hi, Tom Martino here, Welcometo the show. Three zho three seven

(35:05):
one to three talk seven one threeeight two five five. You guessed it.
The home show starting tomorrow at noon. That's in Castle. That's the
Castrock Home Show with over three hundredbooths. I like it because as a
consumer advocate, I love people tobe able to sit in one place or
walk around one place and see likemore than three hundred and thirty merchants for
their home home improvement show. Uh. And that's free admission, free admission.

(35:31):
I should have mentioned that. Solet's keep going. Now we have
someone on from the Unemployment Division.He's the director and Phil's Spshart Boy has
he been a busy man over thelast few years. It started with COVID.
Oh my god, the fraud thatwent on, can't even imagine.

(35:52):
Well, we got a call fromone person yesterday, and then after that
several other people and they all saidtheir unemployment benefits are delayed several weeks because
of something that was called an integrityhold. So like, for example,

(36:13):
yesterday, was it yesterday? Melissacalls and says Tom, it was two
days ago. Melissa called and said, Tom, when I applied for unemployment,
I didn't get it, and theysaid it's going to be a while
because there is an integrity hold.So I didn't know what that was.
And Phil is always transparent and tellsus everything when it comes to the State

(36:36):
Unemployment Division. And other people calledin and said everyone gets automatically integrity holds
so they can investigate it. SoPhil wants to clear all this up.
So Phil, thank you, misterspez Art, appreciate this as you're the
director. Now I should call you, mister spez Art. What's going on?
Sure? Thanks Tom, Yeah,it's interesting to hear those rumors.

(36:59):
So clarify couple of things here.The one thing that everybody has to go
through and when they found unemployment insuranceclaim is identity verification. So one hundred
percent of people go through that.That's a process that can be completed in
a matter of seconds or minutes.Is that ID Is that ID me?
Now? It's not id me anymore? Right now, it's either through Lexus

(37:20):
Nexus true ID or individuals were filinga new claim have an option where they
can select to go to the UnitedStates Postal Service, provide a barcode,
provide their information there, and theUS Postal Service will determine the validity of
their identity and see that information backto US. Now, every claim also
runs through a scoring metric related towhether they contain components similar to what we've

(37:45):
seen on fraud claims. So ona lot of claims, some people may
have a very very low score andso the minute they pass identity verification clears
everything off, they're good to go. These individuals who have program integrity holds,
it's because of the score that endsup on their claim. And so,
can you give us an idea ofphil up some red flags? Oh,

(38:07):
I'm not going to give you allthose characteristics because otherwise I'm telling you,
Oh, give me an example ofone, I get it. Yeah,
let's give you. Yeah, let'sgive you a generic one that everyone
would say, Well, that onemakes sense, right, and probably doesn't
isn't a marker on most of yourpeople are calling? So if a social
Security number comes up as being toa deceased individual, that's obviously a huge

(38:29):
mark right, I got it.Yeah, so that one, And so
there'll be various other things or maybemaybe where the addresses don't match up with
the names or something. Okay,correct, Yeah, so those things will
trigger things. Okay, so whatdo you do? Then? What does
she do? If Melissa asks aquestion? Well, so Tom, now
what do I do? I mean? Do I have to depend on them?

(38:50):
Is there anything I can do tohelp? Yeah. We will usually
reach out to them and provide theminformation to upload some additional documentation. Usually
they will receive a program integrity questionnairewithin my UI plus that asked them to
upload a bunch of information. Sosome people think this is ridiculous. I've
gone to identity verification. Now thisis also asking me to provide those documents.

(39:14):
Breath it for that again, isto verify all of that information and
try to ensure that you are whoyou say you are, thank you.
Fortunately, fraud continues to be ahuge, huge impact on this program,
not just in this state, butin all states. You know what,
Phil, I had to upload stufffor Google for claiming my business years ago.
I mean, I mean, it'scrazy. Everybody wants some kind of

(39:37):
clarification or proof. So okay,now if you hold here, hold on,
I want to take Hugh because he'scalling it. Hugh, what was
your And I know you have limitedtime, Phil, so I'm gonna you
know, whenever you need to go. But Hugh, what is your question?
So this for Phil obviously, yes, when you are unemployed for long

(40:00):
time and you can apply for anapplication to go into additional training, I
think it's called the EKPL. WhatI've been finding working with the advisor over
an unappointment is that a Raboa Countywill not honor the programs for additional training

(40:21):
under real estate, even though thestate list that training has approved by a
Ramboat County over and over and overagain. And it's been a point of
contention for me, and I don'tknow how you would resolve it other than
taking those approved training programs off yourwebsite. And it hasn't been done yet.

(40:43):
Sure, question before you went on, well, before you answer the
unemployment Well, before you answer,could you explain what he's talking about to
begin with? And then what isthis extra training program? Yeah, well
it depends there. There's certain individualswhere terminly the best course for reemployment for
them would actually be the se createre education or retraining or new training in

(41:07):
a new occupation and field. Andso individuals who qualify that then are exempt
from the work search requirement while collectingunemployment insurance because the training is considered to
be got it an attempt to reasonablyensure their prompt reemployment god is suitable or
suitable employment. Again, I don'tnecessarily handle that ETL component. That would

(41:28):
be a different division employment in training. So it doesn't mean I can't speak
with that director there so that theycan check in my Sure, But he's
saying, and Hugh, what Ihear you saying is that they have the
ETL program, but they do nothonor real estate courses as as being a
good way to do it right andonly a wrap out Home County, Okay,

(41:52):
through a wrap a hot Douglas works. Yeah. So ye. Under
your EGTL program website, it showsthat the training has been approved and that
you can select it, but DappleCounty doesn't honor it. Sure, Hugh
wyon't we have you do this?Send an email or give your information to

(42:14):
the Tom Martino Show. They'll getback with me. I can circle back
with the Director of Employment Training sowe can try to take a look at
what's going on, because it soundslike more of an Employment Training Division issue
and maybe a UI division issue.So so hang on you, We'll give
you UI division issues. Hang onas as soon as you can get his
email ors have him send it tofill or whatever. So, mister spazhar,

(42:37):
so we have a lot of fraudsstill going on or it never stopped,
or what it never stops? Onaverage, between fourteen to eighteen percent
of all claims that are filed ona weekly basis are marked as a high
likelihood for fraud. Oh my goodness, I will tell you currently right,

(42:58):
And these numbers went out through Channelfour the other day. We have about
forty seven nine eighty one active unemploymentinsurance claims and there were one thousand,
two hundred and eight individuals with pendingprogram integory holes that needed to be reviewed
and asmunicated. Unfortunately, that doesadd time to processing on an unemployment insurance
claim, which is frustrating for folks. But to give you an example,

(43:22):
Tom, the fraudsters come up withnew ways to do this all the time.
Recently, as a result of someof this, and we use multiple
tools here for a very good reason, we had one seven hundred people pass
identity verification through the United States PostalService. However, every last one of

(43:42):
them was tied to fictitious employer schemes, in other words, creating fake employers
using stolen PII to load in fakewages in an attempt to receive benefits without
ever paying. And that fraud thatwe stopped could have resulted in up to
eight hundred million dollars in a lossto the u I Trust Fund. So,
wow, we have multiple steps.If we relied just on identity identity

(44:07):
verification, all of that money wouldhave gone out the door to those Wow.
So my next question is obvious,are we punishing people who do this?
Well we can catch them. Wecertainly are, and we've We've had
some that have gone through and beenprosecuted at this point in time, certainly
not as high of a level aswe would like. Part of the problem

(44:29):
is at a federal level. Foryou to be able to prosecute somebody is
there had to be an actual taking. We had to experience an actual loss.
We focused on trying to prevent thoselosses upfront to begin with, and
that's why you have the program integrityholds. Well, thank you. Frustrating
the folks, though, where dopeople call for quick answers or is there
no such thing in your department?Yeah, no, we would. We

(44:52):
would have them contact if you havea program integrity hold right, because we
have two different numbers to call,but one is a vendor who is not
able to provide you much information orassistance. But we would have you call
our direct number, which is atthree one eight nine thousand, number three
eight nine thousand, and that's threeh three three all three oh correct.

(45:14):
And now again realize that not everycall center individual is going to be able
to tell you exactly why there's aPI hold or how long it will take
to resolve reason for that. Unfortunately, is we keep that really locked down
because unfortunately the fraudsters also engage insocial engineering on the phone to try to
find out our right. Right,they're good right. As soon as we

(45:35):
make an adjustment they make another adjustmentand we have to make additional adjustment.
That's crazy, and I appreciate youbeing there. Phil, thank you very
much for being on the show.I know you got to run. And
that's the Unemployment Division director. Thisguy is very good at what he does.
He's one of the public servants thatcome on the show and help people
all the time. So that's goodto know. So the number where you

(45:59):
start is three three, one eightnine thousand. Now here's what we're going
to do. Since we're sending anemail to fill with other guy's name on
it or Melissa's name on it too. If you have any concerns, he
has to run. But if youwant to talk about it, give us
a call. We'll take these twoand include them in the email, especially
if they're very specific things, notjust in general, like you know,

(46:22):
I think this should change or thatshould change. But if you're having an
issue, we'll include that in ouremail to fill. The director. Okay,
not many people can give you thatdirect access, So what you do
is call us at three oh three, seven to one to three talk.
Go with a sure thing Denver's Bestroofer excel roofing dot com. You don't

(46:45):
pay a cent until you're content.Time for an insurance check up free,
no obligation. In comparison, callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree all three seven seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate

(47:05):
man dot com to list your homewith Remax Alliance three all three nine two
zero sixteen twenty two. Hi TomMartino here three three seven to one three
talk. Okay, Now, I'lltake this comment unemployment. Then I'm back
to Joel. Joel had his momhad a house stolen. We haven't forgotten

(47:28):
about that, and we were consultingour real estate attorney about that. So
Alan, what is your comment onunemployment? Hold on, here you go,
there you go? Al, Okay, So when I heard him discussing,
you were asking him if it wasa id ME and and he said

(47:52):
no. It's odd because I reallybelieve I had to go look up my
password for id ME to get mybenefits. So I know they're still using
it for some reason. And Ithink the most frustrating thing with unemployment is
you just have no idea where you'reyou have no idea where your benefits are
at, whether they're going to beaccepted or not. I know, no

(48:13):
community. I know you're right,So I was I was hoping that he
would speak to that, like howdo we how do they how do they
do a better job of of youknow, trying to let people know,
you know, if they're going tobe qualified or not. Well, that
has always been an age old problem. People applying then they're left out in

(48:37):
the cold. They don't know haveany idea what's going on, and some
people just want to be told theycan't qualify and why as opposed to just
not knowing anything that it is,right, I know it's a good question.
I mean, it really is.And that's something that we will definitely
ask him next time we have himon, Like is there a way it
wouldn't it be nice though? Likeif they could log on and just see

(49:00):
the status of their claim. Great, well mine says processing, that's okay,
So there is a way to getit in there. I mean,
you just tell but it doesn't tellyou any details like timeline or you know,
how long have you been waiting?Alan, how long have you been
waiting? I've only been waiting thistime a few weeks. But I and

(49:25):
I also found a problem with theirwebsite. I had everything ready to submit,
tried to submit it, and itkept giving me an error, and
I finally had to call their officeand say, Okay, what's going on?
And she said, I can't evendeal with your old the claim that
you put in. I have toredo everything. So I spent an hour
and a half on the phone withtheir going. You know that just frost

(49:46):
me too when that happens, whenwhen you take time to go through something
and then all of a sudden it'sit won't let you submit and you can't
go back and saving Oh god,what a pain I feel for you.
There. We'll mention to Phil thoughabout updates and see what he says about
that. Three oh three seven onethree talk seven one three two five five

(50:10):
Joel, I'm back with you.Listen, Joel. Okay, so I
talked to my real estate attorney.Let me just get some notes here.
Okay, if this happened and yourmom, here's the problem. Your mom
discovered it way back in twenty sixteen. Yes, because we couldn't get no.

(50:30):
Uh, it doesn't get Joel.The law says date of discovery forward
is the statute limitations. She's beyondany statute limitations for fraud crime anything.
I understand what you're saying. Iunderstand. I don't say I agree with
it. I understand you're saying youcouldn't get anything done. That was in
twenty sixteen. Then you had seventeenuntil nineteen, twenty, twenty one,

(50:55):
twenty two, twenty three, twentyfour. I mean, we're looking look
how many years we're looking at,man. So what I'm saying is there
is absolutely nothing that can be doneright now. Nothing. There's nothing.
But but here's the deal. Imean, the law doesn't say if you

(51:15):
tried to get something done and youcouldn't, I mean, what does that
mean? And I'm going to tellyou here's the biggest problem why LifeLock.
Title lock wouldn't have worked. Here'swhat title lock is. People say,
oh, make sure you know youregister your home and your title, so
when any changes occur on the titleor someone tries to record something, you're

(51:38):
immediately notified. Okay. It doesn'tstop them from recording anything, zero nothing,
It just notifies you. Okay,Well, your mom was notified because
the county notifies her if she's theowner. Well, yeah, I'll guarantee
you. I'm gonna say, Joe, I guarantee she was notified sometime back

(52:01):
when this happened that something was filedon that address. It's an impossibility for
it to happen without it being sentto the mail to the address of record.
If the address of record was therental itself, they could have filed
it and then retrieved it from therebefore your mom could see it, or

(52:22):
they could have stolen it out ofher mailbox. But what I'm saying is,
Joel, listen, how old yourmom right now? By the way,
how old is she? Fifty six? Oh? Only fifty six?
Okay. I was going to say, I have a quick claim detail right
here with the signatures that don't managemy mom's and my uncles because my uncle's
a cold signer. I believe you, and I totally believe you. I

(52:43):
believe it, by the way,just so it helps, I believe it
was stolen. They got away withit. This morning, I contacted FBI.
I wrote a rapport. They gaveme a report number, and I
contact And what did the FBI tellyou? What did they tell you?
You're going to give it they're goingto give me a call so they could
set up a meeting so they couldspeak with my mom. I'm going to

(53:05):
tell you if they do the report. If they do that, it'll be
a miracle because it's way beyond thestatute of limitations. However, however,
I think this they may want toknow just in case it's let me tell
you why they want to know,even with crime that has past the statute
of limitations. They want to knowbecause they might have other complaints now about

(53:30):
title stealing. And what they'll dois they'll try to meet that with others
and they might say, wait aminute, we're going to link this.
These guys have been doing this sincetwo thousand and sixteen. So the reason
that the reason they do it whenthey investigate just I want to be very
clear on this. If the samepeople were doing it over and over and

(53:52):
over, and the FBI says,sure, we'll meet with you, and
they find out that the people todaywho are being ripped off or who were
ripped off a couple of years ago, are the same people perpetrating the fraud
that did it against your mom.It's not going to help your mother.
I'm telling you the truth. It'snot nothing is going to help her now,

(54:14):
it's too late. I don't knowof any law anywhere that gives the
excuse we couldn't get anything done becauseshe could have. They just did the
same thing to another olderly couple andthe son found out, and he's an
attorney here in Colorado. I don'tknow the names. I don't know who
they are, but it just happened, right, So it's not beyond the

(54:36):
The same people did it. Yeah, the same people did it to another
olderly couple, but they got caughtgood. So what are they doing about
it? Are there? Are theygoing to arrest these people? I don't
know that. I'm trying to figureout who these people are. Why do
you think that will help your momthat were Why do you think that because

(54:57):
there's a history of them doing that, and they did it to my mom
and know that we have a coupleof years ago. Why Joe, listen,
man, just listen to what I'msaying. It doesn't matter if you
prove it, it doesn't matter ifthey're still doing it. It doesn't matter.

(55:24):
There is a statute of limitations,and the old crimes drop off as
the nude crimes come on. Ithink these people are scumbags, and I
think they should suffer and be andbe punished. But unfortunately it's not going
to help your mother. Now byall means, do me a favor,

(55:49):
cooperate and do yourself. Still cooperatebecause maybe by some strange thing, they
would actually And by the way,this has been done before, where the
legislature finds so much fraud and corruptionthey change the law. They literally change
the law to open up special cases, like they did against Trump in New

(56:13):
York. They opened up the lawand did away. They absolutely did away
with the statute limitations for a oneyear period so people could go after Trump.
Okay, so maybe maybe if peoplewant to go after these guys bad
enough and they can actually alter thelaw, that is a possibility. Do

(56:35):
me a favor, though, Ineed to know about this most current case,
because we'll go after these basterds.Who knows, who knows, maybe
we can get them just to doit, just to try to you know,
by the way, it's not unheardof. Just you know, Joel,
here's another thing that could happen.Let's say they nail them on a
bunch of fraud that happened recently.Fraud that could be prosecuted. Let's say

(56:57):
that happens, right, and thenlet's say as part of a plea deal.
You know what that is, right, they say to them, Look,
we won't send you to jail.You pay a fine. They may
be able to, as part ofa plea deal, say you have to
give back Joel's mom's house to her. They could do that, even though

(57:19):
they can't prosecute them. As partof a plea deal, they could ask
them to turn that house back overto your mom as a good will gesture.
So that's a possibility. So definitely, definitely, definitely cooperate with these
people. Okay, Now, bythe way, Hugh, you real quick,

(57:42):
you have a good will complaint?What is it? Well, it's
not really a complaint. You know, corporations can do whatever they want to
run their businesses. We were overat the Claring Line Broadway store and want
to buy some clothes, Yeah,and found that at the uh dress and
boot rooms were closed. Why sothey their complaint was that people didn't treat

(58:08):
their resting rooms right. Oh theywere, they were This is goodwill,
right, yeah, good will?They were shooting up, they're snorting in
them whatever. Whatever, they weredoing. But the the whole thing that
felt sketchy to me was that,yeah, they said, yeah, you
know, you can buy these clothesif you know, if you think you

(58:30):
want them, take them home,tryme on. And no, you know
other stores are doing it too,not just Goodwill there. In fact,
this is a trend they don't wantto show. Now here's the deal.
They have a Crossco and Sam's Clubdoes the same thing. We do it
all the time. We buy theclothes, we take them home. Differences
Uh uh is that they tell,you know, SAMs costco, you bring

(58:52):
them back, you get your moneyback. Uh? Good Will, Well
no, we don't give you yourmoney back. We just give you.
But they see, here's what I'msaying. They have a right to They
have a right to make their ownpolicy. Okay, then consumers have a
right to say we're not dealing withyou. If you don't have fitting rooms,
we're not going to shop here,or if you don't give full refunds,

(59:13):
we're not going to shop here.Everyone has a right to do business
the way they want. So longas it's not illegal, they can do
it. They can make any kindof ridiculous Listen, there was another one
Burlington coat Factory. I don't knowif they're even still around, but these
dinosaurs would say, no matter whatyou buy, no matter what's wrong with
the purchase, there is an absolutelyno refund. What we will do is

(59:37):
give you store credit only. Well, listen to how weird that gets.
One time, this person bought abriefcase and it was defective. Everyone agreed
it was defective. They brought itback. It was like one hundred dollars
or seventy eight nine or whatever.They did not handle these briefcases anymore.

(59:58):
There was no possibility she could getany briefcase at all ever from Burlington cofactory.
But what they said to her was, you still have to take a
sore credit. So think of howridiculous that is. They're forcing you to
do business with them. Go witha sure thing Denver's Best roofer Excel roofing

(01:00:21):
dot com. You don't pay acent until you're content. Wait time for
an insurance checkup free, no obligation. In comparison, call Compass insurance paying
too much your coverage at dozens ofinsurance companies find out now three all three
seven seven to one help You'll thinkyou're his only customer when you choose Frank
durand the real estate man dot Comto list your home with Remax Alliance three

(01:00:45):
all three nine two zero sixteen twentytwo. Hi Tom Martino here three all
three seven one three talk seven onethree A two five five Kate, what's
going on with you? Kate?Welcome to the show. What's happening?
Hey, So, a couple ofyears ago, my husband got one of

(01:01:06):
those visa cards with unemployed was attachedto unemployment benefits. Yeah, that he
never applied for. He worked thewhole time. And I don't remember who
we contacted, but they said takethe card back to the bank, so
it was US bank. We tookthe card back, never heard anything else
about it. This year we gota notice from the IRS saying we owe

(01:01:30):
over two thousand dollars for back taxeson that unemployment that he never collected on.
And yeah, yeah, I understand. And what you have to simply
tell them is you never got themoney ever, and they can't. I
mean, really, what did youget a ten ninety nine on that from

(01:01:50):
unemployment? Uh? Huh? Whatdid you do? Though? When we
took it, he took it backto his employer said, hey, you
know this never happened. They knowit never happened, and they they took
the notice, so we don't evenhave it anymore. His employer has it.
I don't know what they've done withit. So you just got this

(01:02:13):
notice this year. Let's get Larsonon. Hold on, I want to
get our experts at Larson Tax Relief. These are people that help you fight
the irs all the time. Let'ssee what they say to do. Hold
on, all right, we'll getall we'll try to get an answer for
you. Three oh three seven onethree talk seven one three A two five
five. Hey, do you knowthat one in three hiring managers listen to

(01:02:40):
this and this is this is areal survey done among major companies and the
HR people. One in three saythey know they're asking illegal questions, but
they ask them anyway now not tobe They say they're not doing it because

(01:03:01):
they want to discriminate illegally. They'redoing it because they think it's important.
Do you know what some of theillegal questions are? Weird? Okay,
you can ask about people's age.Now. Come on, if I go

(01:03:21):
to apply for a job now,I mean, I might not look like
I'm gonna be keeling off, butI certainly don't look like a young chicken.
I'm sure that they're wondering, like, how long is this guy gonna
work? If we're gonna train him? Or we wasting money? And you
start getting that feeling after a while, whatdn't you want to know? I

(01:03:44):
mean, truly, when you thinkabout it, it's not because you don't
like them or don't want them.But then again, that is discrimination,
isn't it If you say, waita minute, if this person is gonna
work for just a few years,why do I put all this money into
them with training? Maybe that's oneof the things. Or what about this
young women? You know what theyask? Are you married? You're not

(01:04:08):
supposed to. Why do they askthat? We all know why they asked
that? Are you thinking about havingkids? Next question? You can't ask
that, but yet think about it. Are they doing it to be hateful
or are they doing it because damnit, it's practical. Now this woman's

(01:04:28):
going to come to work for us, have a kid, and that's assuming
you can't go to work. Imean, I don't know, but you
can't ask that. You cannot askanything at all about health or physical abilities
at all. So if you havea physically taxing job, Okay, you
do, Jackson, you have aphysically okay, you guys do k guard

(01:04:54):
on the houses right, gutters coverings? Okay, heat tastes whatever. Okay.
Don't you want to know if someonecan climb a ladder? No?
Seriously, you can't ask. Ifyou ask, how do you feel about
being on ladders and uh working abovethe ground high? If you did that,
get your ass to jail. Youcan't ask that. Wow, then

(01:05:16):
I'm going to jail. No,I'm serious, This is what I mean.
You do we ask are you comfortableon a second story ladder? Now?
I'm not sure if that would bewrong or I guess you can't ask,
can you? We asked are youcomfortable? Because that might be that
might be different. I don't know. But this is weird stuff, isn't
it. It is Go with asure thing Denver's Best roofer Excel roofing dot

(01:05:43):
com. You don't pay a centuntil you're content. Time for an insurance
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to seven to one help. You'llthink you're his only customer when you choose
Frank durand the real estate man dotcom to list your home with Remax Alliance

(01:06:05):
three all three nine two zero sixteentwenty two. Hi Tom Marchino, your
troubleshooter three all three seven one threeTom three all three seven one three eight
two five five. So Kate's husbandgot a debit card for unemployment benefits,

(01:06:28):
but he had never applied for it. They sent it back and now they're
getting taxed for it. So howmuch did they claim you got? I
don't remember, but the tax billsover two thousand dollars go okay, Well
we could do the math on thatone. So two thousand would be probably

(01:06:50):
twenty eight percent. Maybe they're sayingmaybe twenty five percent. So you can
just figure that out. And solet's let's talk about this. You can
do a few things. First,we couldn't get Larson on, but I
know we were able to call.And I'm going to tell you that you

(01:07:13):
don't you don't pay it. Ifthere's a ten ninety nine, if you
received it ten ninety nine, youshould have filed it with an explanation.
Now for is this for tax yeartwenty twenty three. I think it was
twenty two. It wasn't last.Are you being penalized? Are you being
penalized for it? Yeah? Yeah, they added interest on it, so

(01:07:35):
the three grand represents the interest no, uh huh, or the two grand
or whatever. Yeah. Yeah,So okay, here's the deal. You
can you find the ten ninety nine. He gave it to his employer,
so I'm sure I hope that,well, there's a copy of it somewhere.
What you need to do is justfile an explanation and say we're not

(01:07:58):
paying it. We never received it. And and if they you just never
received it. It was put ona debit card that was immediately returned to
the bank. And then you justdo that. I mean really, that's
all you can do. And andthe other thing you can do is pay
it and then go to the backdoor and get it back. But if

(01:08:19):
you don't pay it because you didn'tget the money, and then what you
need to do is figure out withunemployment. Were go with a sure thing
Denver's Best Roofer excel roofing dot com. You don't pay a cent until you're
content. Time for an insurance checkupfree no obligation. In comparison, call

(01:08:41):
Compass Insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven to seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate man dot com to list your
home with Remax Alliance three all threenine two zero sixteen twenty two. Ripped

(01:09:04):
news need ad so you don't havecome running success as we can. Shooter's
gonna help coming Man six is theTroubleshooter Show. Now Tom Martino, Hi,

(01:09:24):
Tom Martino Here three O three sevenone three talk three O three seven
one three eight two five five.Welcome to the show. Here to help
you any way we can. Anduh what we what we do is take
your problems, your questions or complaintsand try to get your help. If
you need direct help. Were answers, and uh we've been doing it for

(01:09:45):
many, many years, recovering millionsof dollars for people in cash, merchandise,
exchanges, refunds, and services.This how brought to you by waterpros
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Also, I want to mention something. Ideal Home Loans still has the
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refy you free of charge when ratesgo down. Ideal home loans dot Com.
Alberta wants to talk about capital gains, capital gains or profits or income.

(01:10:31):
Well, income actually is not regularincomes, non classified as capital gains.
Capital gains is a profit you make. And what is your question?
Albert Hi, Tom, how areyou? I'm doing good man? What's
going on with you? Thank youfor your helping. You got me many
times in the past. I appreciatethat. So my parents own a property

(01:10:53):
in Europe, and you know they'rein the late they're close to eighty years
old, seventy eight, seventy nineyears old, and they're thinking about selling
this property that they own. Butonce they wire the money, if they
decide to put it on the market, well there'll be capital gains on that
property. Even though it's in Europe. Well, here's how it works,

(01:11:14):
because I've done a lot of securitiesand stuff around the world, and I
can tell you how that works.Usually, unless laws have changed, what
you do is you have a basis. Right, They've kept track of their
basis. Is that right, that'scorrect, They've bone it for forty years,
okay, fifty years Okay, Sonow they have a basis. Then
they're going to have a sale price, and in the jurisdiction where it sells,

(01:11:38):
there's going to be taxes paid towhatever jurisdiction there is. Okay,
So whatever the jurisdiction is, they'regoing to pay taxes. So where is
it in Europe? It's in Italy, Okay, so they're going to pay
Italian it's pretty hefty. They're goingto pay some gains in Italy. It's
long term capital gains. And thenwhat will happen is and where where in

(01:12:03):
Italy is it? It's right betweenRoman Naples and d Adrias. Okay,
so they're gonna they're gonna have Idon't think they're gonna have any local capital
gains. They they might have somesales fees, but whatever they pay in
taxes, they as American citizens,they're going to get a credit for but

(01:12:26):
they're gonna have to pay tax onwhatever is not credited. Like if we
have more I don't know. Ithink we if we have more or less
tax I don't know. But theway it normally works is you pay whatever
tax you pay where you are,and then you get a credit for that
here. Okay, So normally normally, like I said, the laws might

(01:12:48):
have changed since I although it hasn'tbeen that long for me. But if
you sell stuff in another country,the count see the United States. Now
other countries aren't as common, butthe United States kind of says if you
own something somewhere else and you paytaxes there, you don't have to pay
them again here. Usually usually Yeah, but a good accountant, a good

(01:13:13):
account to let you know what istheir cap game going to be? Do
you know? Well, you know, the house was built fifty years ago
and I don't even know what theSo it's a residence. Yea, yeah,
it's a residence yet villa. Dothey live there? No? No,
it's it's no nobody lives there there. They live here, but nobody
it's the house is closed, Imean not necessarily closed. I have family

(01:13:38):
members that are in and out ofthe house, but nobody lives in it.
Okay, Well, I'll tell youwhat. There are some different capital
gains for commercial or residential even ifit's not your personal property. But again,
you're gonna have to get someone overthere. I mean you must know
people over there, right, Yeah. I just got back from there a

(01:14:00):
few weeks ago. Actually, okay, well are you Italian? Yeah?
I am, yes, okay,cool, Well listen, if you want
to deed that to me, i'dgladly take it. Okay, So anyway,
why don't you take it from them? That's what she's asking. Well,

(01:14:21):
that's what my parents want to do. She goes, why won't you
take a villa in Italy? Whatare your nuts? I know we're thinking
about it. We're thinking about differentoptions here. So all right, here's
what it is here. I justlooked up the tax there, so they
don't have Well anyway, here here'swhat it is. It is for a

(01:14:46):
profit less than fifteen thousand euros,it's twenty three percent. It goes all
the way up, holy crap,to forty three percent. Wow, twenty
three Wait a minute, capital gainis taxed through regular rates. They're not.
Yeah, that's what it says here, and I'm I'm looking at Professor

(01:15:11):
Bing, and Professor Bing is veryseldom wrong, by the way, way
better than Professor GPT chat GPT.I fired him, But I like the
co pilot at Bing. No.Seriously, in fact, you know,
if you go to AI and askquestions like this, they're usually pretty good

(01:15:32):
at this. Don't ask them socialquestions or you'll find out George Washington was
a black man somehow, but Idon't know. And but there's all kinds
of weird things. And oh,they want to tell you the benefits never
mind of your kids, right right, Yeah, I don't want to,
but but seriously, they do havegood answers when it comes to facts like

(01:15:54):
this. So so what do youdo You have any idea what it will
sell for? I'm since two hundredthousand yeuros, And do you know how
much they bought it for? Well, that's it's kind of hard to explain
that because my dad's the one thatbuilt the house fifty years ago. Oh

(01:16:15):
man, wait a minute, holdon, hold on, hold on,
hold on this is that now?I'm just reading something else. There's a
separate taxation for real estate. Waitwait, wait for real estate. When
you're selling real certain property, theretaxes on the sales mandatory. But if
you own the property, Oh no, they do have They do have some

(01:16:38):
lesser rates here. So if theproperty is sold after five years, then
then the capital gains tax goes downquite a bit. So I was wrong.
The other stuff I told you wasthey they're talking about they talk about
capital gain as everything. I mean, they're even talking about income. So
they're just talking about what they reallymean are income brackets. I read it

(01:17:00):
wrong. And then the other taxfor sale of property is topped out at
I believe twenty six percent, that'swhat it's saying here. Yeah, so
okay, now, so that wouldbe equivalent to here, you may end
up not paying much tax here,you know in the States, right,

(01:17:21):
you may you may end up thatway because they are US citizens I'm assuming,
right they actually they're not US citizens. Well, then they may not
pay it. Why would they payany tax? Well, they're they're you
know, they've been here fifty years. But well I know, but do
they Okay, but if you don'thave any income, if you don't have

(01:17:43):
income in the US, I meanjust because you're living here, if you're
not a citizen, doesn't you're repirednow you're retired. Both of them are
okay, but what the point isThe income is not here and they're not
citizens, so I don't even know. I don't even know that you pay
anything technically, I don't know.So if you transfer the money over the

(01:18:06):
rs it wouldn't raise a flag onthe RSA. Where does this money coming
from? Well, yeah, wellthey're gonna want to it could raise a
flag, but that doesn't matter.You can still as long as you report
everything honestly. They'll let you know. They're not going to make up a
tax just to get it right,right, Okay, So if I were
you, I mean, obviously wecan get one of our tax authorities here.

(01:18:31):
But it looks to me like Idon't think you're going to have much
burden in the I don't see howif someone is living here, they're not
a citizen, the income is notderived here, they sell a property in
Europe. I don't see why anytaxes do here at all. I mean,
I can't think of a scenario wherea tax is do here just because

(01:18:53):
you're here. I mean, youknow, I could possibly see California passing
bills like that. They you know. I mean they have like like California
pass the bill that if you andthen I know people don't have a lot
of sympathy for rich people. Butif you park your yacht or you're playing
your jet on the ramp out thereat the airport or as a dock in

(01:19:16):
California and it's there for more thanthirty days, they're going to make you
pay a use tax as if it'sdomiciled there. Now, think about that.
Now. Obviously they want to catchthe cheets who are Californians buying them
in other states, right, Buttruly, if you're on business and they

(01:19:39):
keep track of it. Now,I don't mean thirty days in a row,
I mean cumulatively, if they noticethat that jet was there for so
many days, you're going to payan income or not income tax. It's
a use tax or like a salestax, as if it was domiciled there.
Three all three seven to one threetalks one three eight, two five

(01:20:00):
five Go with a sure thing Denver'sBest Roofer Excel roofing dot com. You
don't pay a cent until you're contenthtime for an insurance checkup, free no
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies.

(01:20:23):
Find out now three oh three sevenseven to one. Help. You'll
think you're his only customer when youchoose Frank durand the real estate man dot
com to list your home with RemaxAlliance three oh three nine two zero sixteen
twenty two. Hi Tom Martino herethree oh three seven one three. I

(01:20:46):
want to go to Janet R.And Janet work for Deputy Bow who's in
today? Uh, and she hadsome roof shingle problem. Bow. Do
you remember what this? Can yousum this up real quick? Yes?
Hi? Janet? So, yeah, thanks for holding Yes. When did
she call? By the way,she called the I think you called in
last Friday. Okay, got it, So let's see. So what happened?

(01:21:10):
So Janet emailed us her contract fromISP Specialty Products Integrated Successful Projects.
She had that one. Yeah,that one that bugged me. And I
do have a question for you,Janet. You said that you wanted or

(01:21:31):
you think you were supposed to getthese ir Hal impact shingles. No,
no, when when it was takingso long for them to get started on
the project. He told me thatthat's what the problem was, but it's
more than just the shingles. Here'swhat it was. It was you said

(01:21:51):
that September sixth, The initial estimatewas eighteen grand, and then they put
in they put in supplementals for fortythousand, so it more than doubled.
And here's what Jay said, oneof our experts, No, Mark,
I'm sorry, Ed Jenison Genesis oneMarca Genesis said, Man, the roof
was done okay, but they exaggerated, sadly, sadly, sadly when it

(01:22:17):
came to the supplementals, Like onepart of the house should have been painted
for fifteen hundred bucks, they chargedover five grand, and on and on
and on. Now, I wantto make this clear it was paid for
by your insurance. I'm not surewhy you're complaining, except I'm with you

(01:22:38):
on not wanting them to get awaywith it. But Bo, did you
ask them specifically about why they overchargedso much on their supplements. Well,
I didn't really understand what the supplementswere about. Mark was going to address
that issue. But but Janet doeshappen some of them, He didn't even
do some of the minutes withholding allthe money. Right now, Jane's in

(01:23:00):
the driver. Janet's in the driver'sseat because if we have all the money,
Okay. So yes, by theway, there were some skylights they
charged for doing or events. Theycharged for doing three three new ones,
and they used three. They usedtwo of the old ones and didn't even
do a third one. So thatalone, what I would do is go

(01:23:20):
through it. But you are goingto owe them something, you know that,
right? Yeah, I do understandthat, Hey, Tom, but
I haven't paid the opinion. Butthe work that they've done is I've been
doing this in September is now April. Well, Mark at Genesis says,
there's nothing wrong with your roof.You should pay for. My understanding was

(01:23:41):
she was expecting a higher class shingle. But on the contract, what's on
a roof is what's on the contract. Mark said at Genesis, Now he's
an independent guy looking at this,said that roof was fine and should be
paid for. Yeah, and theshingles that are on the contract match the
contract, match the contract. Rightshe thought she was getting. She's got
to pay for the roof. Okay, whatever the roofbit, she got to

(01:24:03):
pay. Now. As far asthe supplements, what Mark said was there
were some that were overcharged and somethat were not done. The overcharging part,
unfortunately your insurance agreed to. ButI think the only thing you can
withhold payment for is stuff that wasnot done. And that's it, Janet.

(01:24:27):
I don't know what else you wantedto hear. Well, some of
the work that they've done is wrong. Okay, give me one. Give
me one thing that give me onething that was done wrong. Okay,
around my bedroom window they put likea border. No, no, that's
right, that's right. Mark saidthat too. You're right, you're right

(01:24:47):
that has to be redone. Thathas to be redone. But what I'm
getting at is this the majority ofthe money you're gonna owe. Do you
understand that? See, I don'twant to give you the wrong impression that
you're gonna get to keep a bunchof money. You're not. No,
No, that's not it. Ionly want what is fair. And all
this extra work was not needed orasked for. That doesn't matter, Janet.

(01:25:12):
Your insurance paid for it because theythought you needed it. Now,
if they didn't do it, youshouldn't pay for it. But you're not
going to get to keep the moneybecause you disagree that you needed it.
Your insurance company had the opportunity toand by the way, have the authority
to not you. If your insurancecompany says you needed it and agreed with
the contractor, then you needed it. The disagreement I have with integrating successful

(01:25:38):
projects roofing and construction are the thingsthey didn't do right or the things they
didn't do at all. So thethings you have to redo or the things
you have to do because they didnot do you should retain. Everything else
should be paid to them, andyou may have to hire someone to speck

(01:25:59):
it out for you. But youknow you're going to owe eighteen grand for
the roof because you agreed to it, right, absolutely, did you pay?
Did you pay them the eighteen grand? I have not paid them.
I haven't even heard from them inover a month. Yeah, well,
here's the deal, Janet, here'sat some point, at some point I
depart from the consumer when they won'tbecause these people, I don't like them.

(01:26:21):
I don't like what they did,I don't like the overcharging. I
don't like any of it. ButI also don't like withholding every penny either,
because that's not reasonable. So II am not withholding anything though,
Tom, I have not I wehaven't asked for ding, Janet. They
don't have to ask you owe,Okay, it's a matter of perspective.

(01:26:43):
You owe, they did the work, You owe the money. Okay,
so you owe some of the money. I agree with you again. The
stuff they didn't do or the stuffthat has to be redone. I'm not
going to discuss whether or not youpaid too much for the roof, or
you paid too much for the painting, or you didn't think you needed this
or you didn't think you needed that. None of that comes into consideration with

(01:27:04):
me. The only thing I'm concernedabout is stuff they did not do or
stuff they did not do properly.Those are what you should be you should
retain for. That's what you needto pretain. I'm not going to say
it anymore, but that's there's nothingelse we can do. And I just
want to say something. And youknow, I'm not going to direct this

(01:27:25):
at Janet, but I'm going todirect it towards callers like Janet. I
can't tell you how many times Ihave consumers who find that a contractor did
something wrong and then they use itas an excuse not to pay because they
want to keep the money, orthey want to pay a ridiculous amount.

(01:27:46):
I've had people who had contractors dogreat work except for ten percent of it,
but they want to settle on half. I'll pay you half the bill.
I said, they only did tenpercent wrong. It's a way because
and here's why, when insurance paysthe consumer directly. Now, I don't

(01:28:11):
think they should pay the business directlyeither, by the way, but they
shouldn't pay the consumer directly either.There should be someone in charge because when
a consumer gets money in their pocketand they put it in their bank,
it often becomes a pickup truck,or it becomes a boat, and it
doesn't become let's fix the house,or if the money is in their account

(01:28:35):
and then the house is fixed,all of a sudden, they look for
excuses not to pay. Now.I know there are hundreds of contractors out
there nodding their heads yet saying yougot it, man, you got it.
But at the same time, theother thing happened where contractors exaggerated or

(01:28:59):
didn't do all of the work.There's a balance here, folks. There's
a right and there's a wrong.It should be self evident. Go with
a sure thing. Denver's best rooferExcel roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up free, no

(01:29:21):
obligation. Comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three oh three, seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate Man
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martinonear three oh three seven one three talks

(01:29:50):
seven one three eight two five five. Mark's going to question on a reverse
mortgage. Hello Mark here on theTom Martino Show. What's going on?
Man? Let me get joke newtoo? Yes, sir? Okay,
Hey, I'm yeah. Yes?Are you there? Mark? Oh my

(01:30:13):
yeah, I'm here. Okay,bro, I got you. Go ahead.
Sorry, I'm in a bad spot. Oh I'm sorry. Now I
can hear you, fine though,go ahead. So I'm fifty seven and
I just went through a divorce.I'm living on about two and a half
acres in my camper, and I'mplaying I'm building the house. This area
is kind of mixed with nice homesand really bad homes. So I don't

(01:30:35):
want to overbuild. And I'm wonderingis there an Oh you are in a
bad area, but I want tohear. Okay, this is really important
that you we get this information.So now where what kind of how much
property did you say you had?Are you so there? Mark dang for

(01:30:58):
two and a half acres? Okay? Now are there covenants? There?
No, no covenants at all?Okay, Now what is your question in
about building? You want to builda home? Well, I'm putting Tom.

(01:31:19):
I wonder if he's asking, canyou get a reverse mortgage on a
home? Build? I wonder ifthat's his question? Is that your question?
Mark? Oh, I'm just Idon't want to overbuild this area,
right. It would be too hardto just say, well, you absolutely
shouldn't. You shouldn't, especially becauseit only has it has no covenants.

(01:31:42):
So you're right, you should notoverbuild. Okay, keep going and I'll
pick up your words when I can. I'm sure it's about to get better.
So where do they how do theyqualify you? I mean, is
there a certain dollar amount that theywill not reverse mortgage? Oh? Oh
yeah, there's all kinds of limits, but those are way high. But

(01:32:04):
I wouldn't use a reverse loan tobuild, but you you can't use one
to build. You can use itto buy a home, a new home,
but you can't use it. Youcan't get a construction loan. No
I can afford to have the homebuilt. Okay, all right here,

(01:32:26):
Okay, you can get private productsof a million dollars, but you won't
need them. But the limit youdon't have to worry about. What you
have to worry about is loan tovalue. So you're fifty seven. So
by the time you get this,how old are you going to be?
Sixty two? Right? You haveto be you have to want to get

(01:32:46):
the mortgage will be sixty eight.Okay, return all right, If you
want to get the loan at sixtyeight, the most you'll probably get at
sixty eight. I should look atthese charts somewhere, but I think it's
around forty forty to forty five percent. I'm sorry, I'm not getting my
point across very well. Let's sayI buy a manufactured home and put on

(01:33:13):
the property CAR get a reverse mortgageon a manufactured home if it's put on
a property the proper way and ithas FHA or approval or HUT approval.
Yes not if it has wheels.Okay, you got to do it.
So HUD or FHA would let loanon it. Okay, it just needs

(01:33:34):
to be merged to a foundation.It's got to be real. It's got
an FHA and HUD is the easiestway to look at it. Okay,
all right, but let's say solet's say the project costs you one hundred
grand and it appraises for one fifty. You're not going to get any more

(01:33:57):
than sixty grand or something. I'mnot doing the math on a calculator,
but the most you're going to getat sixty eight is maybe forty to forty
five percent if that because the maxon a reverse loan is fifty percent if
you're an old person. I believeit's They might have changed it a little,
but there's not. They don't letyou get seriously leveraged because they want

(01:34:23):
to make sure they can accrue allof that unpaid interest on that loan,
which then compounds against it. Andthey want to make sure you don't eat
up your equity in your lifetime,so they they not amortize it, but
they charge it according to excuse me. They limit the loan to value according

(01:34:44):
to your age. Okay, Ididn't want to overbuild the area because it'd
be a lot out of my pocket, but I didn't Also I wanted to
make sure I built enough to qualifyfor a reverse mortgage. Well, yeah,
you're gonna get You're gonna get areverse mortgage. They don't care how
much they I mean, yeah,there's no I mean there might be a

(01:35:08):
downward limit, but I'd have noidea what it would be. Okay,
So just look at it as youknow, as an ff sak. Yeah,
if you can get an fah loan, you can get a reverse loan.
And I'm looking up the table herefor LTV limits and let me think

(01:35:29):
I don't a loan value on areverse loan, Okay, range is okay,
I'm wrong. Actually they're saying onthis table it goes from fifty percent
to a low, to sixty fivepercent to a high. Okay, And
the limit has been set at oneforty nine thousand. Oh there's way more

(01:35:55):
me anyway. Yeah, well thatwould be that would be a limit of
the appraisal. So the biggest loanis going to be half of that or
sixty five percent of that. SoI think you're going to be fine if
you want to do a reverse loanlike that. But remember, you know
there's give and take on all ofthat, and if you can afford to

(01:36:18):
build it and you're just looking formoney to live on, you might,
you know, you might want toconsider some creative things like taking the money
from a reverse loan and buying anannuity, a fixed indextinuity. Now,
that fixed indextinuity will guarantee you incomeguarantee it, and the reverse loan will

(01:36:44):
guarantee you'll never lose your home ever. So think about this. You get
an annuity and you immediately annuitize itfor income, or you get it at
sixty two, get a lower amountand annuitize it into ten years. Whatever
the thing. You either annuitize itimmediately as sixty eight or seventy, or

(01:37:04):
you get it earlier and annuitize itlater and let it fester for several years.
Now, think about this. You'renot repaying that reverse loan ever.
Ever. Now you're not going tohave any equity to leave to anyone of
any appreciable amount. Maybe you would, but it doesn't matter. You're not
going to have to worry about thatpart of it. Now you have guaranteed

(01:37:27):
growth and income on a fixed indexinuity. Now, by the way, I'm
not telling you a fixed indextinuity isthe only investment there is in the world.
It's not. It's in fact,you should never put all your money
in one of those. It's atool for income. It's a tool for
growth, modest growth, and goodincome. So now think about this.

(01:37:48):
Now you're going to take Social Securityand you're going to supplement it with the
annuity payment, and you don't haveto pay back that loan. Now,
if you took out a regular loanon your home to do that, you'd
be insane. But you don't.But with a reverse loan, if you're
if you're married to the idea andcomfortable with the idea, you're not going

(01:38:11):
to care about your equity and you'reyou can suck that equity out of there
and put it in a fixed indextinuityand not have to pay back the equity
loan. Three oh three seven onethree talk seven one three eight two five
five frankdrand the real estate man doesfree evaluations of your home. By the
way, if you want to knowwhat it will sell for on the market,

(01:38:33):
and it's not just free. It'sdetailed basically to let you know where
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(01:38:55):
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(01:39:17):
zero sixteen twenty two. Hi TomMartino, your troubleshooter three oh three seven
one three talk seven one three eighttwo five to five A eight eight eight

(01:39:38):
heating dot com is gonna do yourtwenty eight dollars service. Call twenty eight
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service it, flush it twenty eightbucks. If you need anything, they
credit you the twenty eighth. Theydo the same thing for toilets, they
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twenty eight bucks. That's it eighteight eight heating dot com. I think

(01:40:02):
that's a pretty cool way doing business. Then they credit you if you need
any addition to repair three three sevenseven zero two seven seven six. We
call it the risk free service fee. All right, now, let's talk
to Cody. Cody, I wasjust alluding to something like this with the

(01:40:24):
roofing, where consumers don't want topay, but sometimes they have a good
reason not to pay. You're facingthis where you can't get a customer to
pay. What's the situation with you? Yeah? So, and it's not
just me, it's actually there's severalbusinesses that this one company has impacted.

(01:40:45):
So. The Colorado Spartans are anindoor arena football team up in Greeley.
They play at the Bud Weser EventsCenter, Blue Arena, Okay, and
they have stayed since the beginning oftheir season. They've been saying at various
hotels throughout Greeley and have done everythingthey can to avoid paying them. So

(01:41:08):
they've stayed at I know for certain, they've stayed at the Woodspring Suite.
Wait a minute, do you meanthe team has stayed. Yes, that's
correct, and then they they theyjump out on the bill. Correct,
What at Candlewood? Yeah, atCandlewood. Sweet they owe tens of thousands
of dollars. Wait a minute.What's the name of this Wait? This

(01:41:29):
might be the first sports team Ihave on the sleeves brigade. What's the
name of the the team Colorado Spartans, and I have the owner's name as
well. What are they? Whatdo they play? I'm sorry, I'm
so ignorant of these sports? Whatis it? They're a brand new arena
football team this year. Oh that'swhy I don't know. And that's schlock.
Okay, so arena football? Doesanyone even watch that anymore? Arena

(01:41:53):
I didn't even know what was thething until I started hearing about this team,
Jackson, you watch arena football?Car man? Do you no,
sir? Go with a sure thingDenver's best roofer Excel roofing dot com.
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(01:42:15):
dozens of insurance companies. Find OutNow three oh three seven seven to one
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estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. RippedNews. You need advice, you don't

(01:42:40):
help reagious as the kid Shooter's gonnahelp, come Dick. Is the Troubleshooter
Show. No Tom Martino, Hi, Tom Martino here three oh three,
seven one three talk three oh threehe's seven to one three eight two five

(01:43:02):
five Welcome. What's going on inyour life and how can we help you?
This is the Troubleshooter Show. Wehave a guest today, K Guard
by the way, uh Kguard RockyMountains dot com and he's from our referral
list. He's been with us foryears, Jackson. And they do the
new gutters that not new gut wellyeah, new gutters with the built in
coverings and they're really nice, reallywonderful gutters. We've never jeh, I

(01:43:25):
shouldn't say this because where's the knockon wood thing? We've never had a
complain about you no, honest,su As, we never had a complaint
ever. Now that's gonna like nowpeople are gonna say, oh, yeah,
one time he came and did itand spit his jaw on the lawn.
I'm just kidding. You don't chew. No. But in any case,
if you do get a complaint,I don't even know what it would

(01:43:47):
be, because you clean up afteryourself and all that. Most roofers,
when we get a complain other thanripoff, I'm talking about good roofers.
The only complaint we might get witha good roofer is maybe they didn't clean
up as much as they wanted himto, because that's hard to keep property
clean. But well, one thingwe do to try to work around that
is number one. Of course,we have the magnetic rollers and all that

(01:44:08):
stuff. Yeah, but what wetry to do that's special to my company
is I'm not a lazy owner sittingbehind a desk. I will go and
visit every customer that wants to doa walk around. And the first thing
that I do is make sure thatif it's not picked up, I'll pick
it up and I'll spend an hour. I don't care. I want to
make sure because at the end ofthe day, that house is my business
card. They to talk to theirneighbors and that's it. So I maintain

(01:44:31):
referral list dot com. That's whichyou're a member of. Great people.
And then I also had something Istarted years ago called Sleeze Brigade dot com.
But this wasn't just for people whoare not on the referral list.
There are plenty of good people noton the referral list, but these are
for the worst of the worst ofthe worst. If you go to Sleeze
Brigade dot com s L e AZ please, some people try to put

(01:44:56):
the w anyway, Sleazbrigade dot comand if you go there, you'll find
the worst of the worst. AndCody is calling now with someone that I
never thought i'd have a sports teamon there. But Cody says that they're
getting a reputation in northern Colorado,not that far north, but Loveland area.
Right. Do they play the arenafootball? Do they play the arena

(01:45:19):
football at the Budweiser Center up there? That's correct. So around there there's
a bunch of hotels. You're sayingthat they're getting a reputation for not paying
Yes, I have it on verygood authority that they've they've done it to
minimum two hotels, but for lotsof money, right, yeah, tens

(01:45:42):
of thousands of dollars. Okay,So give me an idea. What do
they owe you? At the hotelsthat I am most familiar with, it's
about twenty eight hundred dollars. Atanother hotel, which is the Campbell Woods,
it's over twenty thousand mbers. Whatare they doing to try to collect?

(01:46:05):
There's been letters of demands and tothem threatening league action and receive zero
response. There's been a number ofphone calls to every phone number associated with
the team and no response back.It's hard to even get the owner to
pick up the phone anymore. AreColorado Spartans the only Is this the only

(01:46:30):
team there is in Colorado? InColorado's my knowledge? Yes, And it's
a brand new team this year,is my understand Now, maybe I should
amend what I'm saying about the SleevesBrigade, the sports team. I doubt
these individual players, you know,I doubt they know they know what's going
on. It's not like they goin and they're all the players are not
associated with the payments at all.Yeah. Yeah, So if you're on

(01:46:54):
that team. Guys, just knowthat sounds like your boss might be A.
So you have a number for theTony Thompson I do. I can
pull that up for you real dash. I want you to do it off
the ar KITCHENA will you get thatnumber? Bo? Why don't you just
put in a call Deputy Bow ifyou ken like, just in a couple
of see if they'll he'll even answerand say, hey man, we're getting

(01:47:14):
a call on So I want toput down the hotel specifically again. Okay,
go ahead. What are the twothat you know of? What'd Spring
sweets? Really? Did you say? Woodbridge? What Spring Spring? An
extended state hotel? Okay? Inever heard of wood Spring. I heard
of Woodbridge. Okay, So whatelse? Candlewood suits Candlewood? Okay?

(01:47:39):
What about that other one? Thatthe other big one up there that everyone
stays at at that four corners,I mean, I forget the name of
it, but there's a big hotelup there. I uh, there's a
Marriott up here that they I knowthey stayed at. I was told they
got a sponsorship from them, butthen got kicked out after two days for

(01:48:00):
smoking pot. Uh Uh, Sowe got some We got some gangsters in
our Colorado spartans. Man. Iwonder if they wrecked the rooms like the
rock stars do. Yes, theydid. What there in wood Spring Sweets
alone, there was over fifteen hundreddollars worth of time success. So wait
a minute, So you're telling meWood Springs Suites and the other one,

(01:48:26):
what about the other one? Theyhave any damage? I didn't confirm that
with be Who do you know atthese places? I've talked to both of
the general managers. Really, now, why did you speak to you?
Now? What is your what isyour part in all of this? I

(01:48:47):
worked for one of the hotels.Oh which one? Which springs? Okay?
All right? Tens of thousands ofdollars? Why why did he let
it get up that high? Ihave no idea. That's why the wind
Spring one is not that high becauseof diligent efforts to prevent it from going

(01:49:09):
up any high. Oh so it'snot at one. At one point it
was at about nine thousand. Theydid pay some, they just will not
pay the full balance. And atCampdlewood Sweep, my understanding is they have
not paid. Wow, I wonder, okay, all right, so get

(01:49:31):
that number and we'll put you onhold, get that number, and then
we'll figure out what's going on.This is this is weird. This is
a weird one three oh three sevenone three talk seven one three eight two
five five Phil, what's going onwith you? Phil? Welcome to the
show. What's happening? Phil?Hey? Time? You knew what I've

(01:49:51):
called before? Oh yeah, Ithink I recognize your voice from way back
you were, you were and allkinds of businesses over the years. What's
happening in the radio business? That'sright? Yeah, and you were?
Hey Tom, how's your wife go? How's your wife doing? By the

(01:50:12):
way, she's saying, all right, she's she's got type two diabetes,
a couple of much spots in herlungs, and she's gonna walk very well.
We've been married for sixty years andwell it's too late to give her
up. Then. I know,Hey, Tom, I'm wanting to ask
you. I have a I havea dog. She's five years old.

(01:50:40):
Her name's Daisy, and she's aBorder Collie. Oh my god. Border
colleagues are the smartest, and she'svery intelligent. So I was with I'm
trying to think of the pet smart. Yeah, I was Oh, that

(01:51:01):
Banfield Hospital. We get a lotof complaints about them. Yeah. Well
I've been going there with Daisy andI had a payment planned. Well,
a payment plan so white, Imean, like you pay regular payments for
vet care. It's like on anninstallment plan or was it a specific procedure
or visit no visit. It's likeforty dollars a month. I was paying.

(01:51:26):
And what does that get on you? What? What does the forty
bucks a month get you? Oh? Examination? Blood working like that?
So is it like is it likehealth insurance? Almost? You pay every
month and then you right right,right right. So what happened was I
went in there per visit and shesaid you didn't pay. I said,

(01:51:50):
well, I got auto pay.You take it out of my bank account
each month. Well, she said, well didn't go through. So I
gave him my debit card and itwent through. Did the visit The next
month? They called me and theytold me that it was a wrong credit

(01:52:14):
card. I said, wait aminute, Wait a minute, wait a
minute, let's get this stuff straightenedout. Well, did you check with
your bank to make sure you weren'tauto paying all those months? Oh?
Yeah, I was paying all ofthose months. Well, what I'm saying
is no, No. What I'masking phil is were they wrong when they
said you weren't paying? Were youactually paying and they didn't know it?
Or what? Well? I waspaying and they said that no, I

(01:52:38):
did not pay and I showed themmy uh no no that okay? Well
then did you did they take toomuch from you? Because you paid them
again? Okay? And I toldhim, I said, don't call me
again. I looked for a differentvet. They called me, and the
woman room was so wait, soyou stopped going to them? Going to

(01:53:00):
them? Right? I stopped goingto them. She's missing a couple of
shots right now, a foul mosshot or something else. Yeah, I'm
just looking for a good vet.That what part of town are you in?
What part of your town? I'min a lot of Colorado. Why
do you want to do why doyou want to do payments? I'm just

(01:53:21):
curious about that. I don't know. Everything else is car payments. But
I don't like the idea of paymentsbecause I mean, what you just pay
for what you need when you needit. Why would you want you know,
a five year old Border Collie isnot going to be You're not going
to be riddled with a lot ofVET bills, right, I mean,

(01:53:44):
so if she needs some shots,even if it costs you, let's say,
one hundred and fifty bucks, Imean, why would you want to
be on a payment plan where youpay every month? Matter? That's true,
that's true. I just like everythinggoing to my bank account. You
know, well, you can stilldo you can still do that. I
just don't get the idea of thesepayment plans, and I don't know of
many vet VET clinics that do itlike that, because first of all,

(01:54:08):
it's hazy. How much do youget and how much when do you have
to pay extra? And all ofthat. That's the weird part, you
know. I don't know what totell you on that. Now. There
are plenty of good vets around.Here's the problem. A lot of a
lot of private equity are buying upvets and they're making groups large groups of

(01:54:29):
hospitals, and they're not very valueminded. I mean, you know,
the days of the good old fashionedneighborhood vet. I don't even know if
we have any anymore, but Iimagine I imagine people will call in after
hearing this and then downloading it.For sure, we're going to get a
lot of recommendations for you. Well, I hope. So she's a very

(01:54:49):
smart dog. I hate you know. Oh there, they're too smart.
She's spoiled too. Yeah, she'sgonna she she can beat you at checkers,
man, for sure. I meanshe tho. Those dogs are smart.
They're the number one dog as faras intelligence scale. Now does she

(01:55:10):
ever do any hurting instinct on anything? Has she ever tried? Yes?
Yes, I got her in Montana. Is she black and white? Black
and white? She's got brown eyebrows, beautiful teeth, not no target her
teeth at all? You have Doyou take her regularly for teeth cleanings?

(01:55:31):
Oh? Yes, that's what Iwas doing. Okay, No, I
get what you're saying. Yeah,I know where you like that. I
don't know of anybody who does thesemonths of pass Susan. Have you ever
even heard of these monthly plans before? I know you always have critters.
Have you heard of them? Haveyou done with Jackson? Yes, sir,
so did you do it with yours? Well? I had a great
Dane and for the first two yearsbecause all the problems with Danes and shots

(01:55:56):
and no man all that stuff,and yeah, we went to pat Smart
and we also did their training programs. But after the two years were up,
it didn't make sense anymore, becauseyou're right, as soon as you
get past all those initial shots,you don't need to go what but more
than once or twice a year,So you might as well just pay when
you use it rather than so youdon't have to obligate yourself. Is it

(01:56:16):
month to month or is it ayearly thing? Or what you can do
either? Hey, did you everthink phil of giving another pet Smart chance?
Maybe another band field location? Maybe? Well? You know, they
they turned me into a collection agency. They said I owed them eight hundred
and fifty dollars. My contract showsonly four hundred and twenty five dollars a

(01:56:41):
year for visits. I have noidea. So you're right now they're coming
after you. Huh. Well,no, they dig my credit. I
got perfect credit. I got aone credit. But I don't know why
they did that. That's stinks,man. I don't know why either.
Yea, all right, I gotto take a break. But hold on

(01:57:02):
a sec, Hold on a sec. Anybody who knows any good vets out
in our Vada area, will yougive us the call? Please? Or
write to us help at Troubleshooter dotcom. Phil, We'll get you know.
You can call us back. We'llget somebody. I'm sure we'll get
recommendations. Go with a sure thingDenver's best roofer Excel Roofing dot com.

(01:57:27):
You don't pay a cent until you'recontent. Please time for an insurance check
up free, no obligation comparison callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree O three seven to seven to one
help. You'll think you're his onlycustomer when you choose Frank durand the real
estate Man dot com to list yourhome with Remax Alliance three oh three nine

(01:57:50):
two zero sixteen twenty two. HeyTom Martino here three three, I've had
one three talk seven one three eighttwo five five Denver Regen dot com.
Don't forget weight loss starting at twohundred and fifty bucks for some of glue
tide compounded. That's Denver Region dotcom. Okay, so we are caught

(01:58:15):
talking to Cassie now she needs helpcollecting a judgment. Well, today's business
day or or you know the otherside day. What's going on? Cassie?
Hi? Tom, how are yougood? What's happening? Okay?
So I have a judgment against thebar for an old bar called Rogan's Pub.
What happened? So she didn't payme minimum wage for over two and

(01:58:39):
a half years, And well,well, but you must have known something
was wrong with that during that time. No, no, no, So
when she has fired me basically abruptly, illegally for some stupid things, I
had told her I wanted my money. No, no, wait a minute,
so so hold on, you saidyou want your money. This is

(01:59:00):
what I understand. Then you knewyou were owed money? You were you
were working there for how much anhour? Let's start there, seven to
fifty an hour is what I wasworking at. Now what I want to
know is were you considered a server? I was a bartender. Okay,
I don't know much about this kindof work. But isn't the minimum wage

(01:59:21):
for servers and bartenders lower than itis for other workers because the state figures
you're going to get tips? Okay? So for tips employees at that time,
it was eight dollars an hour.Okay, So you were still being
underpaid, yes, ma'am, yes, So each and how long did you

(01:59:42):
work there? How many years,two and a half years. So for
the whole two and a half years, did you put a pencil to it
and figure out what you were underpaid? So when she okay, so what
exactly like the whole thing? Howit brought up because she owes me not
thousand dollars the state of Colorado awardedme is because she paid me not only

(02:00:05):
on the low minimum wage for twoand a half years, but we also
worked through COVID. We weren't supposedto be open to COVID, and so
she owed me a paycheck through COVIDand she didn't want to pay because she
said it was she had to reportit to the unemployment Mind, you done
it. But you were awarded already, right, so you already won this?

(02:00:26):
So nice? Was this in smallclaims court? Or was this a
hearing? They said to go throughsmall they said, like, the only
way I'd be able to collect itis if she didn't pay it is through
small claims court. I've already triedeverything up there. Now here's what I'm
asking money from her. The actualyou said, finding from the Division of
Employment? What what was that?Did you have a hearing? Nine thousand

(02:00:48):
dollars? Yeah, but did youWas it a hearing or was it just
an opinion? No, hearing.I didn't go to court. Court,
not court. Listen, the divisiondid. They investigated what is the nine
thousand dollars? It's not a judgment, that's what they called it for.

(02:01:13):
It was for a judgment that well, then they did go to court,
yeah, for her, but Ididn't. Oh, they took her to
court directly. Yes, okay,are you sure so you actually have right
now in your name a nine thousanddollars judgment? Yes? Man, yes,
sir, Okay, she is onthe state of Colorado wage theft I

(02:01:38):
get it. Yeah, yeah,no, I know about that site.
As a matter of fact, whatis that site again? I love that
site. It's like a Colorado wagetheft thing for bars. Yeah, there's
a lot of people, there area lot of It's like the Sleeves Brigade
for employers. Here's okay, sheworked as a bar. You worked at
a bar in two and a halfyears and was paid less than minimum wage

(02:01:59):
and got a judgment. Okay,well that's good then. But but what
I don't understand is they told youyou'd have to go to court again to
collect that judgment basically, yes,okay, And I wouldn't do that.
I would go to a collection attorney. Okay. I I had went to
a collection attorney. They told methat if she filed bankruptcy, then I'm

(02:02:23):
basically another creditor, not for notfor No, I don't think so,
I don't think for employees you are? I think I don't know. But
first of all, do you thinkshe's going to go bankrupt? Well,
she sold her the business was soldunderneath her. It wasn't her business to
own. But I so, wait, she doesn't hold on so she's not

(02:02:45):
even there anymore. No, she'snot. It is a bar that is
no longer there. Oh so isthe judgment against her personally or the entity?
Yes, against her and her businesspersonally, but it is against her
personally. Yes, all right?What about if you go to small claims
court you can get at least seventyfive hundred of it. Okay, let

(02:03:10):
me ask you somebody, does sheown a home? As far as I
know, I don't know too muchabout this. You see, you need
you need a collection attorney. I'lltell you why, just to explore it,
because because you need to she bankruptcy. They're right, she could go
bankrupt. But if you have ajudgment already, you can go put a

(02:03:34):
lien on her house. I triedto. I actually do have. I
have a put a lien on herbusiness at the time before she sold it,
before the landlord sold it, Ihad put a lien on it.
So there is a lean on thestate of card of four her a lien
on what there is no business abouther own business, Well, there's no

(02:03:55):
business. I mean. What I'msaying is if she is personally on the
hook for a nine thousand dollars judgment, then she is personally going to be
responsible, meaning anything she owns soor any bank accounts, I mean anything.
So, but you don't know howto do this. That's why I'm

(02:04:17):
telling you how to do it.Yeah, you get a collection attorney because
you don't know how to do it. But if you didn't know how to
do it, you would do awrit of garnishment. First of all,
you do interrogatories and you'd ask whereher bank accounts are and accounts receivable,
any money, any house, anyequity, whatever. Then if she doesn't

(02:04:41):
answer the interrogatories, she actually canget a warrant for her arrest for contempt
of court. And then what youdo is you go about just a long
process. You tell you have toenforce it. So really you need to
get someone who knows what they're doing. Did you actually talk to a collection

(02:05:01):
attorney? Yes, and they toldme that who's theyre? You talked to
one attorney to an attorney and theysaid, basically, if I went after
her, it's going to cost memore to go after her, So basically
the whole nine times. Well,that tells me. That tells me they're
morons. Okay, those attorneys putthem down, put a check near their

(02:05:23):
name. They're morons. If they'recollection attorneys, they know that they can
add collection costs to the to thejudgment. They also know that their statutory
interest. They also know that somedo it for a contingency fee. So
whoever you talk to, they're notcollection attorneys. Did you know how did
you find these attorneys? I lookedit up online and did they say they

(02:05:47):
were collection attorneys? Yeah? Okay, well you didn't find I had my
paperwork on me. I would Iwould be able to tell you the name
of the attorney, but I don'thave my paper for company right now.
You need find truly a collection attorney, and we can tell you where to
start. But I don't know ifhe'll take it. I mean he might,

(02:06:09):
but you know, it depends.If they don't think she has anything.
You need to do some research.You need to do some research first
to see if she has anything.That's probably why they don't want to take
it. Okay, because if shehas a home with equity, you're gonna
get it, gonna you're gonna win. Okay, find that out first.

(02:06:31):
You can get her address. Onceyou get her address, you can run
an o ane on the property.You can find out what it's worth and
what is owed on it. Okay, Okay, why don't you just do
that and then call us back.I'll mark this as a pending and then
you can call us back. Gowith a sure thing Denver's Best roofer Excel

(02:06:54):
roofing dot com. You don't paya cent until you're content. Time for
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies. Find out now three
oh three, seven to seven toone help. You'll think you're his only
customer when you choose Frank durand thereal estate man dot com to list your

(02:07:15):
home with Remax Alliance three oh threenine two zero sixteen twenty two. Hi
Tom Martino here three three seven onethree talk seven one three eight two five
five. Dan McKenzie can do wills, trust, probate, keep you out
of probate. If somebody just diesyou need help mackenzie law. By the

(02:07:38):
way, we like Dan. He'sa great expert and he can even help
you devise a plan that controls yourheirs. Actually, if you don't trust
him completely with your stuff, Imean you can or you can make it
simple eight three three co plans eightthree three co plans. So Greg's got

(02:07:59):
a question on capital gains. Greg, what's going on? Hi, my
sister, her husband recently died,my brother in law. She lives in
Ohio. They bought a house almostnine years ago for one hundred and seventy
five thousand dollars, and we're tryingto figure out if she will owe capital
gains if she's able to sell thehome for about two hundred I assume I

(02:08:24):
assume they had joint tenancy as ahusband and wife. That is correct.
So what's going to happen is theyown it together, his half will go
to her, but on a steppedup basis, So she's going to have
a weird basis. For example,what did they buy it for one seventy

(02:08:46):
five? Okay, so what's itworth? Now? It's worth two seventy
five, but they may that's allin all this time, hunh just it's
only worth one hundred grand more.It's only worth one hundred grand more.
But there's this is rural Ohio,okay, so it's worth two seventy five
now, So if it's worth twoseventy five at the time of death,

(02:09:09):
right, you divide that by twoand she gets half of that stepped up
basis. So her basis is goingto be let's round it off to like
one forty for his half, andthen her half is gonna be I forget
what you said, but it's gonnabe whatever her half was originally plus the
one forty will be her new basisplus plus whatever improvements permanent improvements they put

(02:09:35):
into the home. So you saidthey paid one hundred and seventy five originally,
right, So okay, okay,so that shouldn't be too hard to
figure out. So you're gonna haveabout ninety and one hundred and forty ninety
plus one forty. It will beher new basis of two thirty. So
you say it's gonna sell for lessthan that, right? Or no,

(02:09:58):
No, two seventy five. She'sgoing to have a little bit of gain,
that's it. So she'll have let'ssay it sells for two eighty.
I'm trying to keep it simple.So then she has fifty thousand dollars in
gain. Right, So if shehas fifty, go ahead, they put

(02:10:18):
improvements, and they did fence,a generator and a two car detached grind.
Okay, well, help, shemight be able to absorb that extra
fifty. Do you think they putmore than fifty into it? Yes,
Well, then she has nothing herbasis. Her basis will be that two

(02:10:39):
thirty plus impermanent improvements. Actually,so you know, but tell her she
doesn't get to step up the basison the whole house. She only gets
to step it up on her onhis half. Got it perfect, Thank

(02:11:00):
you, no problem. And I'msorry to hear that her husband died.
I hope she's doing well. Threeoh three seven one three talk seven one
three eight five A. Now Itook the forty five. I'm all caught
up right or not, I'm not. I don't like you dragon, You're
a pain in the ass. Yes, says I have to take another break.
By the way, Grossman Wellness isa concierge doc. I love it.

(02:11:22):
See I'm a member there so mucha month, few hundred bucks a
month. It includes all blood workevery three months, supplements, even prescriptions.
Seriously, and it's like, inmy opinion, better than health insurance.
But I also have health insurance.I don't want to mislead you.
Grossmanwellness dot com. Grossmanwellness dot Comfor two hundred and fifty bucks, you

(02:11:43):
can find out exactly where you standwith blood work and an exam, and
if you want to continue fine.If not, no problem, Grossmanwellness dot
Com. Go with a sure thingDenver's best roofer Excel Roofing dot com.
You don't pay a cent until you'recontent. Time for an insurance checkup free,
no obligation. In comparison, callCompass insurance paying too much your coverage

(02:12:07):
at dozens of insurance companies. Findout now three all three, seven,
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate man dot comto list your home with Remax Alliance three
oh three nine two zero sixteen twentytwo. Hi Tom Martino, you're a

(02:12:31):
troubleshooter. Three O three seven onethree talk seven one three eight two five
five. Hey, we have runout of time. So we also have
Deputy Bow in the house that wereworking on stuff we had. I'm not
going to mention anybody else, butthere's someone else looking at being a deputy,
and I'm not going to put pressureon her. So I'm not mentioning
her name, and I'm not mentioninganything because she may not want to do

(02:12:52):
it. But I will tell youthis, it would be the first female
deputy we ever had ever. Idon't know why I didn't design it that
way. I never said I don'twant a female debut. Sue's shame on
you. Why don't we have afemale deputy meeting? No, this is
gonna be great if she decides.Why is that? Huh? So?
Anyway, Jackson, I appreciate youbeing here. Man. Now, Jackson,

(02:13:18):
I'm going to give you a businessquiz. What business are you in?
The service business? I service customers, that's right, and the lead
acquisition business. Right, you wantto get customers to service. Right.
But if you said I'm in thegutter business, I said, no,
you're not. Your your employees are. Although you probably know the business now,
don't you. Could you install it? Oh? Absolutely? Oh you

(02:13:39):
could so. Oh you're one ofthese guys that do it all. I
started. So when I was sixteenseventeen, we started. I started doing
home improvements. As far as actualinstallation. Yeah, but you were you
were working for national corporations doing that, right, But you learned how right,
and then and then you became yourown man. Well, actually,
I grew up through Sears home improvements, and I learned how things are put

(02:14:01):
together and how to sell them,and I grew up. Were you a
tin man? No? No,remember those days? Okay, I've seen
the movie to you you're too old. No, you're way too young.
So how long you've been doing yourkeguard keguard? I've owned this for seven
years now, and before that youwere doing home improvements. I've been in
the home improvement game off and onfor about twenty and part of it was

(02:14:22):
finance. So yes, I learnedhow to install it, sell it,
run it, finance it, andthen open my own. So are you
doing financing with keguard if people needto finance it? Yes, sir,
Oh cool, So you have inhouse or what do I call in house?
But you arrange it. Yeah.So the company we use is inner
Bank. They're based out of Californa. Is it anything like same as cash?

(02:14:43):
We have that option twelve months,same as cash. So what's nice
about inner Bank is there's no leanon the property. There's no attachment.
It's a signature loan. Oh that'spretty cool. And so do you find
a great percentage of people need thator do most people pay? No,
most people that are in the businessfor you know, a specialty item like

(02:15:03):
ours, they come check her creditcard. On track homes, what is
the normal cycle for putting new stuffon? So usually your gutters are gonna
last about twenty twenty five years,but not on a track home, I
won't. Well, maybe it comesdown to the support from the facialboard.
So if the if the facial boardis really nailed into the raftertails sure,

(02:15:24):
But so anyway, you give thema call three oh three four seven six
forty three twenty three four seven sixforty three twenty three. Pleasure having you
k guard rockymountains dot com. Okay, folks, don't forget three oh three
Martino. Call twenty four to sevenfor help, information, referrals, and
save all your problems for me.