The Troubleshooter 6-5-24

Episode Transcript

(00:00):
Yea d news need advice, soyou don't have come run as fast as
the cad Shooter's gonna help come.Man, This is the Troubleshooter Show now,

(00:23):
Tom Martino, Martino here, Welcometo the show. Three oh three
seven one three Talk is our numberthree all three seven one three eight two
five five. Welcome to the show, the only show that's kind anywhere in
the universe where we are solving problems. You know, I haven't done a
tally recently for this year, butwe're halfway through the year, aren't we.

(00:44):
Or we're gonna see Jenniferman aren't Yeah, at the end of this month
anyway. So there have been severalmillions of dollars in cash, merchandise,
exchanges, refunds and services as always, and we love when we do that
because it can help people. Soif you have a problem with any kind
and you need help, give usa call. That's the important thing.

(01:04):
Don't let it fester, don't letit sit there for a long time.
And I have a guest to sayI'll bring up in a second here about
home improvements. I love talking homeimprovements. Now, did you know that
there is a move There is amove with companies to be politically correct and

(01:27):
to be to brag about their diversityand commitment to inclusion and all that,
which is all well and good.I mean, you would hope that just
all of that stuff's natural and weall do it. But anyway, there's
a big move on that, andthere's nothing like highlighting our differences in everything
there is, because that seems tobe what politics does. But in any

(01:49):
case, I often wondered, asa consumer advocate to people care, do
people shop based on how they feelthe company fits into their life? And
they're fullilosophy? What do you think? And we did some there's some analysis.
Not we me, but this oneresearch firm. They went out and

(02:15):
interviewed thousands and thousands of adults tofind out who buys what and why.
I can do my own experiment.I have college some college guys in here
today with K and H home solutionstheir interns. That would be cool.

(02:36):
I'm serious, that would be cool. Is there a microphone? Handy?
Guys, don't expect me to rememberyour names. I'm just gonna call you
A B and C. So I'llstart with a Seriously, what school do
you go to turn that on andoff? When you talk. Yeah,
just make sure. Okay, goahead. So okay, yeah, I'm
Olan, talk right into that,Nolan. Okay, you can do that.

(02:57):
To school. I go to LSUand ban ruthe what do you still
I'm studying marketing, marketing? Canyou hear my Ra Shannon? Okay?
Now, oh, you are studyingmarketing. Pretty cool. Just point the
mic to your mouth there, justmoving. You can move it anywhere you
want. I can do this allright. What do you really marketing?
I'll imagine that's changed. I hadmarketing courses. What do you tell me

(03:19):
what you have actually learned about marketing? Really? How? What year are
you in? I'm going to bea senior next year? Oh cool?
So what have you learned? Haveyou learned anything really obvious? You must
have, right? Yeah? Ienjoy a lot of the advertising side of
it, consumer behavior studying, likehow to target markets and stuff like that.

(03:42):
Sure have you gotten is college marketing? Now? When I was in
college, obviously there was no digitalmarketing. Do you guys emphasize a lot
of digital? Yeah, that's ahuge thing. I just took an entire
class this last semester about online targeting, like search engine optimization, stuff like,
now, do you have professors thatknow what the hell they're talking about?
You think? You like that?Cool? So I want to you're

(04:04):
excellent to ask do you think andI'm serious now, younger people, I
wanted you to talk about the peopleyou know and your people. You can
give other observations, but do youmake any purchases? Do you avoid or
like companies based on what you thinktheir personality is? You do like if

(04:25):
there are mean companies or nasty orgood companies or friendly companies? So to
you, companies do take on personalities? Yeah? I mean brand image is
a really big like factor in Doyou think it's a really big thing with
people that you hang out with?Uh? Yeah? Was it really?
Is it a really big thing inyour marketing class? Uh? Yeah?

(04:46):
We talked about like brand image andhaving an identity a bunch now then talking
like that, do you care aboutpolitical stances of a company when they come
out and see, let me justtell you where I stand. So I
don't submarine you, I don't sneakattack you. I think corporations are too

(05:06):
wide and vast and various and donot have the responsibility should not to take
political stands and here's why. Who'sgoing to take the stand? Is it
the CEO, is at the boardof directors, is it the management,
middle management, some of the employees. Well, that's a bunch of crap
because it's made up of me andyou, and liberals and conservatives and in

(05:30):
betweens and people who don't care aboutpolitics. You know what it's made up
of retirement accounts. Do you know? Most corporations are regular people. There's
very few top heavy people. They'reregular people. What we do is we
invest in a corporation and we putit in our four to one k or
we want it to make money,and we don't give a rip what they

(05:50):
think, except obviously, I personallydo care about certain things I do like
I don't personally invest in certain thingslike tobacco and certain things. That's just
a personal thing. But I don'tcare about their political or philosophical stances.

(06:11):
And I think it's disingenuous for someonein a corporation to come out and take
a stand. They're not speaking forthe stockholders. Those stockholders are varied across
the country. Now, I'm notexpecting you to agree with me, by
the way, but I wanted tolet you know where I stand before I
start asking these questions, so Idon't bait you. So I'm thinking,

(06:31):
I think me it's immoral, andI mean immoral in a sense that you
are you are not carrying the bestinterests of your corporation. Your corporation should
make money. I don't think itshould take a social stand. I just
don't think it will should unless it'sin the business of taking social stands.
Like you are a company that makesyou know, memes and things or T

(06:58):
shirts and you take stand you're oneof those companies. Again, I want
to know, do you when yousay you personally choose companies based on brand?
What goes behind that decision? Youknow? Me, personally, I
don't make a lot of decisions basedoff of politics. But okay, a
lot of my friends and people Iassociate with have stronger political views than I

(07:24):
do, and they will they willor do they make a choice? Well?
Are there certain cars they wouldn't buybecause of the company? Are there
certain clothing they wouldn't buy, orthere's certain products they wouldn't buy because of
a company? Yeah? Well,I mean a lot of it is with
my age group. It's just trendsand so you don't. But it's a
product trend or company trend, acompany trend for sure, because like let's

(07:46):
say, super popular brands like Nike, Lululemons. Yeah, you just buy
it because your peers have it.You don't buy it because you research what
they're into. And so you justlike the companies because of the brand.
Okay. So when a company comesout and says we are for diversity and
inclusion and and and and we arecombating our carbon footprint, we're helping with

(08:11):
with climate change and all of thatdoesn't make a difference to you when it
actually comes to shopping me personally,no, But I think what that does
is that it empowers one group andit turns another group off. So it's
you're very smart, does guys realquick in the middle? Real quick?
Now? Number B. He's actuallythe owner's son. I should know his
name, but Amy, Yeah,my name is Canaan Caanan. Go ahead.

(08:33):
What do you think about marketing andwhat no companies and brands? What
do you think buying decisions? Tobe honest, I don't. I don't
really think about it too much.Okay. I agree with what he was
saying about trends and stuff like that. It's just the brand or the product.
Yeah, you don't think about thecompany, the management, what they
believe in. Uh No, Idon't even I don't really hear too much
about that, okay. With Imean there's certain companies I don't know if

(08:56):
I should say, but go ahead, Like I've heard people talk about and
like some people don't want to eatChick fil A for whatever their beliefs are,
okay, and stuff like that.But no, I've heard that too.
Yeah, but I've even heard thatsaid about Tesla and Elon Musk.
Yeah for sure. But me personally, I don't think too much about it,
Okay, Yeah, is it?Okay? So when you do buy

(09:18):
and you do shop, you justgo buy trends. Yeah, trends are
just like what I personally think islike a good quality product. Okay.
Disquality matter to you, Yeah,I think like I really like he brought
up Nike. I really like Nike. I think they make all like whatever
I buy from them is always agood quality piece of clothing or stuff like
that. Okay. So if I'mgonna spend a lot of money on something

(09:41):
because it is expensive, I knowit's gonna be good quality and it'll last
a long time. Let's go toC, A, B and C here.
I'm sorry, guys, I'll getyour name straight. Go ahead.
It was Josh. And for thething that they were talking about, brand
image for me does actually matter.Maybe not political stance, but brand images,
like give me an example. Idon't know if I can give an

(10:01):
example for an actual company off thetop of my head, but let's just
say Blizzard. Blizzard's a gaming companythat they had a huge scandal a while
back about them harassing female employees.Okay, and that bothers you, right,
and I completely stop purchasing. Okay, So it does matter they're they're
kind of philosophy or what they letor what they let pass or okay,

(10:22):
because that's been going on I Blizzardapparently for many, many many years.
Okay, Now, what about politicalstance? Then you don't you care more
about real issues like like like howpeople are treated and all of that,
But what about the political stance ifsomebody takes a political stance. Me personally,
I'm not big into politics yet.I am nineteen, so politics don't

(10:46):
have a very really big impact inmy life. Maybe in the future I
will, but as of right now, no, Okay, it doesn't.
And so when you buy something,it's based on either the merchandise or like
you said, in that one companythey had a reputation for harassing females.
It's based on quality and just thecompany's reputation overall. Okay, cool,
that's very good. Now I'm goingto go to the calls. I have

(11:09):
to take this break. So thisquestion on real estate, get me primed
here to Steve and I'll answer.What is it about? Are you there,
Steve? Yes? I am okay. What is your question on real
estate? Ten thirty one exchanges?Got it? Can you hold on with
that? That's a big topic,and I'll give you the right information.

(11:31):
Coming up, I'm Tom Martino.Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free,no obligation comparison call Compass Insurance paying too

(11:52):
much your coverage at dozens of insurancecompanies find out now three O three,
seven to seven to one help.You'll think you're his only customer. When
you choose Frank durand the real estateMan dot com to list your home with
Remax alliance three oh three nine twozero sixteen twenty two. Hey Tom Martino

(12:13):
here three oh three seven one threetalk three oh three seven one three two
five five. Steve wants Stephen wantsonO or Steve wants to know about a
ten thirty one tax free exchange.It's actually a text deferred exchange. But
you take your gains from one pieceof property, put it in a like
piece of property. Your basis thenis adjusted on that new property, and

(12:33):
you carry your gain forward. Solet's talk about it, Steve, what
would you like to know? Well, in two thousand and nine, my
wife and I purchased a rebuilt homeand we did it mainly because we moved

(12:54):
our son into it, so itwas an income property. Right, No,
if we bought it and he movedin it, and that's pretty much
that and he's still in it.But so you didn't declare it as a
residence though, right, it's nota residence, is that right? It's
not a primary residence, now,is it? Do you call it a

(13:16):
secondary residence? This is important,I'm asking for a reason. Yeah.
No, we've really never declared anythingname Okay, good, keep going.
Then we've never profited from it andwe just maintained it, you know,
normal stuff. But anyway, weare in the process of moving to another

(13:39):
county and we would very much liketo be able to exchange that property that
my son lives in, or alike property in that county. Yeah,
but when you say it like property, you're moving your primary residence to another
county. Is that what you're saying. You're selling your primary residence, right,

(14:03):
that's correct. So you want tosell your primary residence, plus you
want to sell this the secondary home, and you want to take all of
that money and buy a new home. Well, no, we want to
buy two homes. Okay, that'swhat I need to know. So you're
selling your home and buying another primaryhome. Then you want to take your

(14:26):
son, then you want to sellthat home and buy another second home.
That's correct, right, because withyour primary residence, you don't have to
do any exchange. You get fivehundred thousand dollars exclusion with your wife and
you. So on the secondary home, you don't. On the secondary home,
you don't get any exclusion. Andit might be deemed unfortunately an income

(14:54):
property, whether you made income ornot. Let me explain that if you
have a secondary property and you don'ttreat it as a primary residence or you
don't treat it as a vacation residence. There's a possibility there will be an
imputed depreciation when you sell it,meaning that even though you did not take

(15:18):
depreciation, it's imputed and your basisgoes down anyway. Okay, so there's
that possibility. I'm not sure though, if you never took a dime and
your son lived in it. Ihad never had this situation come up where
where you know, there are peoplewho had a rental and never took depreciation
and thought they had a higher basisand they didn't. But no matter what,

(15:41):
you can the quick answer is that'svery easy. No matter what your
basis is, you can do aten thirty one yes into a second home.
It's better, though, to declarethat a rental, whether you get
money on it or not. Imean it because otherwise you can't buy another

(16:02):
house. I mean, it's gotto be like for like, and you
don't get to have two residences.Your wife can have one and you can
have one, or you can haveone and then the other one must be
a income property. If it's avacation home, you don't get any capital
gains treatment. So and it's nota vacation home, so make it an

(16:22):
income property. You don't have toclaim income. But that's what it will
be now. The only so you'regoing to have a lower basis on this
house because how long have you ownedit? Since? Nine? My god?
You so you have ten years ofdepreciation. You're going to have a
very low basis. We may wantto get my accountant on. I might
be telling you that you need totake depreciation when you don't. But I
know one thing for sure. Itcan't be a resident. It can't be

(16:45):
a residence at all because you can'thave two and you can't ten thirty one
into another house. You can tenthirty one like for like. So let's
just find out the best way todo that. And you know, ka
China, I don't know why afterall these years and I have people call
in all the time. I usedto have a ten thirty one expert.

(17:06):
Did we ever keep the name ofanyone We've had people call in to say
I'm a ten thirty one expert.Have we ever kept any of those names?
I'm not sure, but I can't. I think I got one.
You got oh Mark, Well,I thank you for chiming in, bro
I mean I think that that wouldbe good. If we don't have a
ten thirty one expert. Yeah,hold tight, I'll find him, all
right, And if he doesn't findhim, just on the off chance,
then let's get our accountant on oneof our accountants on three oh three seven

(17:30):
one three A two five five.So hang on and we'll come back to
you and get you an exact answer. But here's how ten thirty one works,
Steve. You can do it.You can identify the house and then
sell your house, or you cansell your house and then identify the house.
You don't have to do it simultaneously. You just have to get an
intermediary to do it. Does thatmake sense? Yeah, and that's what

(17:52):
my next question would be, isyou have a referral for now? I
don't have. I used to havea qualified mediary, I intermediary or whatever
they call it, a ten thirtyone media. Let's see what do they
call them? It a ten thirtyone brokeer I used to call them.
But whatever, you have to haveone to do it an well, you

(18:12):
don't, but you would be insanenot to. They know how to do
it. They know the ins andouts, They take possession, They then
make the trade, because that's reallywhat you're doing. You're making a trade
right, and the intermediary handles it. They take possession of one, then
you take, and then they swapit for the other. So why don't

(18:36):
you hold on and we'll get yousome answers on that specifically three oh three
seven one three talk three oh threeseven one three eight two Go with a
sure thing Denver's best roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance check up free no obligation compares and

(19:00):
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven 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 oh threenine two zero sixteen twenty two. Hi
Tom Martine here three ol three sevenone three talk seven one three eight two

(19:22):
five five Waterpros dot net. WaterPros the best water systems ever in your
home at your kitchens sake. Fourteenhundred dollars for the best drinking water in
the world three oh three eight sixtwo five five five four. If you
think about your body supplements, health, exercise, you gotta think about water
waterpros dot Net. Hey, let'stalk. Okay, we have Claudine.

(19:45):
She has a follow up. Claudinehas a twenty eighteen Cadillac XT five.
She took it to the dealer withan AC problem and they said the thermostat
was stuck open. Charged for eighteenhundred bucks. So she later on talked
to someone who said I could havesaved you four hundred bucks, and I

(20:07):
told her, you really can't dostuff like that. I mean, you
can, but there's not much wecan do about the original shop that charged
her four hundred dollars. More.Now, there's something called unconscionability. Let's
say that she went to a guyand he charged her six grand and it
should have been six dollars. Imean, obviously the common man would say

(20:30):
that's unconscionable, but we're this guytells her after the fact, well,
I would have saved you four hundreddollars, I said, Clouding. There's
not much we can do, andI don't even recall that we took this
on as a problem, nor didwe contact them. But you're calling us
with a follow up. What's goingon, Claudine, Let me bring you

(20:51):
up here. I'm sorry, it'smy fault. Go ahead, Claudine,
Sorry, go ahead. Hi Tom. I contacted the a Cadillac dealer in
Colorado Springs, the one that didthe work, Yeah, the one that
was a little high price. Yes, yes, yes, And I told
him about the Cadillac dealer in Greeley, where I live. I had talked

(21:14):
to them. Yeah, okay,So I talked to the manager there at
Red Nooland in Colorado Springs. Hesaid he would check it out and call
me back, which he did,and he had contacted the Cadillac dealer in
Greeley. And then he notified methat that Colorado Springs charges quite a bit

(21:34):
more per hour for labor because ofthe location. And he did get down
to the baseline that they did overchargeme for labor. Well, when he
said overcharge you, I thought hejust said though they charged normally more in
Colorado Springs, right, they do, They do charge quite a bit more.

(21:56):
Did he charge Did he say hecharged you more than they usually charge
or just overcharged compare to Greeley.He just said that they checked their records
and they charged too many hours.Oh wow, okay, wow, okay,
so they are going to send meas substantial refund. That is wonderful.

(22:21):
How much four hundred and seventy threedollars exactly what you thought now,
so this is very interesting. Hesaid, we have a higher labor rate,
and of course everyone can charge whateverlabor rate they want, but he
was honest enough to say it wasn'tthe labor rate that was wrong. We
charged you too many hours. Yes, that's very that's very good that you

(22:48):
took that into your own hands todo that. Claudine. Yes, and
I'm glad he was very honest withme. Yeah, and I'm glad you
did that despite what I said,because I never thought of that. I
thought about, oh yeah, peoplecharge different stuff, they can. I
never even dreamed it would have beenan error literally charging more. But that's
good that you checked. It's goodyou saw a discrepancy and you checked.

(23:11):
And Claudine, Yeah, my hat'soff to you on that one. That's
very good. Thank you. Yep, we got a dinger, but it's
not my dinger. We'd have togive that dinger to someone else, Thank
you, Shannon. I however,that dinger is I don't deserve at this
point three to zero three seven onethree talk seven one three A two five

(23:36):
five. Yeah, Mark, didyou come up with a ten thirty one
person? Yeah. I'm waiting forthe CEO to call back. We had
him on a little I don't knowa while. Back to company is ten
thirty one X. They're all overthe country. Okay, good owner or
CEO as Sean. I should behearing from him pretty soon and we'll get
them up good. Meanwhile, Ihave Ed. Ed's a good guy.

(23:59):
I've known him for years. EdTomlinson. He's a real estate broker in
town. And and uh, Ed, you have a comment. What's your
comment on the ten thirty one Ido. I don't know if you're familiar
with ten thirty one DST. DSTstands for Delaware Statuary. Well, what
would what would Delaware Statuary whatever haveto do with us? Here? You

(24:22):
can ten thirty one into that andit's similar to a RITS that it's private.
Really wait wait, wait, soyou ten thirty one into a company
out of Delaware that is crit andthen what do they do they do,
big buildings, apartment buildings, everythingthat rits do except what's private. Now,

(24:45):
once you take but once you tradeinto it, you own part of
a rate. Yeah, well aprivate yes, but then that doesn't get
you the money to use for anotherhouse though. No. No, So
if you've got a bunch of rentals, oh, I see, if you're
not, If you're not interested inbuying something else, if you're simply interested

(25:06):
in reaping some of your money andreinvesting it, you can reinvest it into
a rate and defer your gain,is what you're saying. Not a DST
A read is not legal for tenone? Oh satuary trust a statuary Okay,
very interesting, never heard of thatbefore. Wow, I know that's

(25:27):
why I call Delaware Statutory Trust aboutit. That's very cool. Trust.
I'm going to ask the other guyabout it. That's very cool. Thank
you. There's some there's some requirements. Some of them require a million dollars
net worth, some of the requiretwo mil. But it's it's just like

(25:47):
a rip. You know why theyrequire that, right? It's very simple
because they're they're doing the qualified uhinvestor, the qualified client versus an accredited
investor. Probably they need to makesure you're qualified. It's not open to
just anyone. That's probably why they'redoing I think about twenty five thousand,
fifty thousand, a couple hundred.It's one has different options for you.

(26:11):
Okay, do you know people?Do you know people have done this?
Ed hmm no, okay, it'stoo new for me. All right,
thank you very much. I appreciatethat. Three three seven one three talk
seven on three eight two five five? Fran what's happening? Fran? Hi?

(26:37):
Tom? How are you good?What's going on with you today?
Okay? Well, my son ownsa condo and he's like the middle condo.
There's someone above him, someone belowhim. His tub is draining very
very slow, or not draining atall. He had a plumber come out.
They snaked it. They could onlyget so far that they didn't get

(26:57):
like any hair, youngk or youknow, gunk out of his tub when
they snaked it. So the guysaid, well, you're probably gonna have
to remove your tub and then we'llhave to go from there. We're concerned
that the problem is not even withhim, but it has something to do
in the condo building. Yeah,that's probably that's probably true. It's in

(27:19):
fact, it's most assuredly that becausehere's why. In a condo what you
have are very small service lines.A service line means the line exclusive to
the condo. The line exclusive toa condo can't be any longer than the

(27:41):
condo. I mean, it's avery short line. Everything else is a
common line. The problem you're goingto have, And in fact, they
should have restrictions on snaking drains ina condo because you can screw it up
and then you'd be responsible for it. But if they're letting you do it,
there's nothing wrong with exploding it.However, if you have a problem

(28:04):
with a common line, the problemyou're going to have is getting the HOA
to do anything about it, becausethey just don't want to spend money,
right, I don't know what totell him. Well, here's what I
want to tell him. Here's whatyou do. First, have them go
and do his service line, andthen if after they get to the common

(28:30):
line it doesn't work, then he'llhave something to tell the HOA. And
then if it is the service line, one of the common excuse me.
If it is one of the commonlines, then other condos have to be
feeling it. It can't do ishe you said have him? What's that?
Who is he? You said?Have him by her son? Okay,

(28:52):
like have a plumber? Do whatyou mean? Like most anybody on
referral list isn't going to go outthere. I just wanted to get that
out there before you said that andtell tell them why Mark, Well,
because they can screw up that mainline exactly exactly. It's very difficult to
get people to work on stuff ina condo beyond the walls of that condo.
Okay, Mark, they would doa local snake right there, but

(29:15):
they will go and plumb line forexample, or fix it. Will not
go into a commercial building. Yeah, I'm not saying no one on referral
list. There might be somebody MasterRooter might because they do commercial as well,
but they might not do condo.Did you call did your son call
the HOA or the management company andreport this? I don't know. Okay,

(29:41):
that's what you do first. Here'swhat I do first time. I
do something different. What I'd poursome freaking draino down there, That's one
thing. Yeah, liquid plumber.I a gallon of it down there.
I love it now. Now nowlisten, I'm serious when I tell you
this. I love liquid plumber.I love it. It works, I
love it. But you gotta letit's set and then and then repeat it.

(30:03):
And because you let it set forlike fifteen to twenty minutes and hit
it with hot, hot water,I'll tell him to keep trying now,
now hold on though. If thatdoesn't, never not him. It's something
else and it's just too expended.Let me ask you this, are other
Are other areas draining slowly? Ifhe had a problem with the dishwasher at

(30:25):
one point and they were able toget that cleaned out, Yeah, the
dishwasher is a whole difference. That'sa whole different thing. What about the
toilet, you know, are youhaving problems? And he said no,
Then I don't think. I thinkit's local with the tub, That's what
I think. I think it's hairand gook and all that crap. And
I think Marks Wright with that liquidstuff. Have him try that. But

(30:45):
then before you do any snaking,you contact your your hoa management company.
Go with a sure thing Denver's Bestroofer Excel roofing dot com. You don't
pay a cent, you're content.Time for an insurance check up free,
no obligation. In comparison, callCompass insurance paying too much your coverage at

(31:10):
dozens of insurance companies find out nowthree all 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 all three nine
two zero sixteen twenty two. HiTom Martinez here three oh three seven one
three talks seven one three A twofive five eighty eight. Heating dot Com

(31:33):
has the risk free service fee twentyeight bucks to service one item in your
home, whether it's plumbing or heatingor cooling or your whatever, anything electrical,
and they'll come out and service atyour your panel, your toilet,
your water heater with a flush orwhatever. And then if you need more
work done, they credit you thetwenty eight bucks. That's that's how it
works. It's that easy and they'regreat people. Eight eight eight Heating dot

(31:56):
Com. Okay, so Josh hasan issue with a neighbor. We also
have kN h in the house.We haven't gotten to yet, but some
very interesting things in the window business, like crazy stuff. And I love
when you get a local company likethe I call it the oldest home improvement
company in Colorado that I know.And then you have an old established window

(32:20):
maker going into the residential world,and then you have them team up.
That's cool, Josh, what's happeningwith you? Josh? Welcome. Our
number, by the way is threeoh three seven to one three talk seven
one three eight two five five,or of course you can always call it
three oh three Martino. Hey,Josh, what's happening? Hey, tom
So, I share my very backsense with a city property where they store

(32:45):
like the snowploud trucks and everything inthe service vehicle. It's called the yard.
Yeah. And so today, inabout three weeks ago, because I
worked from home a couple of daysduring the week, I noticed them in
the back burnings stuff. And whenI peeked over the fence and saw it,
it looked like they were burning oldlike police evidence. It was brown

(33:06):
paper sacks with red tape on themthat they were throwing into an incinerator.
And you know, the smoke withthe wind was going all over the place
at times, walking over our house. And I hope not, but I
am a little bit concerned if theyare burning drugs or possibly clothing, you
know what kind of stuff you knowthey're letting out, right, that's kind

(33:30):
of crazy, Like it's just anopen kind of fires at a sealed incinerator.
What is it? I mean,from the outside, it almost looked
like a fifty gallon a little bitlarger than a fifty gallon metal barrel on,
you know, like a cart typething. And they were, you
know, it looked like they werefeeding it with wood, but you know,

(33:52):
it almost sounded like a very muted, quiet jet engine for a better
part of two or three hours.And they had these browns, these brown
packages with tape on them, likeobviously wrap that. Yeah, that looked
like I mean, there were brownpaper bags with red tape over them that,
in my experience, are very commonlyused for evidence at police departments.

(34:17):
And what city is this? Butwheat Ridge, did you just call and
ask I haven't it just happened today? And I turned on the show and
I thought, man, I'll tellyou what, I would be really curious
if you don't get any answers callus back, but just call them and
say, what the hell are youburning? Back? There was it was

(34:38):
there any kind of a particular foulsmell or anything, or you just suspecting
it. I noticed it a coupleof times, but the wind direction was
changed. It was quite variable,so you know it wasn't all the time
blowing, would you though, Josh, we will keep track of this call.
I'm going to write it down.I really want you to call me
back. In fact, during thisshow, if you can call him and

(35:00):
just ask him in a friendly way. I'm curious what you are burning.
Give me an idea and then callme back. We'll investigate it. If
you don't get the answers, I'mTom Martino. We have more coming up.
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,

(35:23):
no obligation. In comparison, callCompass Insurance paying too much your coverage
at dozens of insurance companies find outnow three oh three seven 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
two zero sixteen twenty two. RippedNews. You don't have to run anxious

(35:55):
as fast as the kid shoots.Good the help coming man. This is
the Troubleshooter Show. No Tom Martino, Hi Tom Martino, your Troubleshooter.
Welcome to the show. Three allthree seven one three talks seven one three
eight two five five. So Stevecalled in earlier and said I have a

(36:17):
house I wanted ten thirty one thehouse. We had to get an expert
on Mark called these people ten thirtyone x dot com and we're going to
talk to Steve from that company.Just a little thing about a ten thirty
one. Really, what it isis just a way to differn to fur
tax gain. What you do isyou take your capital gains instead of realizing

(36:40):
them and paying tax on them.If you make a profit on a piece
of real estate, a ten thirtyone allows you to trade that real estate
into another piece of property where youtransfer the gain into that next property and
you accumulate gain until you eventually sellit and then you pay your taxes.

(37:05):
So that Steve wants to know aboutthis house. And before we we got
both, Steve Steve the caller andI'm just gonna call him mister hitcocks,
so we don't get them confused,Hitcocks is with ten thirty one x exchange.
Mister Hitcocks, I want to aska question real quick on a ten
thirty one? Can you can youfirst of all tell us what does it

(37:29):
mean like for like In other words, you can't trade an airplane for a
piece of real estate. You can'ttrade I don't know, can you trade
a factory for a residential house?Or what is like for like? Well,
the tax coach says this, inorder to qualify for a ten thirty

(37:50):
one, both the relinquished property andthe replacement property must both be either held
for investment or used in business.But other than that, all real estate
isfe kind to all other real estateas long as that qualified use test is
met, held for investment, orused in trader business. Okay, So

(38:15):
that's the sixty four thousand dollars questionwith him because he has this house,
and I don't think it's a bigargument. I don't think it's a hard
argument to make. It's held forinvestment, but it's not really a rental.
His son lives in it, heand so is that considered an investment
prior he bought a house? Hisson lives in it, So that is
would you call that an investment property? I would right. Well, here's

(38:42):
the thing, and that is thebest evidence of whether a property is held
for investment is how you have treatedit. How have you treated it on
your past tax returns. So ifhe has put it on his tax return
on his Schedule E and shown iton his Schedule E, that kind of

(39:02):
concludes that it's held for investment.On the other hand, if he has
never shown this on his tax returnbecause his son has been living in it,
and he's never shown it on atax return for any reason, then
that makes it a harder case toprove that it's held for investment. Now
I suspected something like that, SoI want to ask that I want to

(39:24):
clarify this further. If he hasa home and his son lives in it,
can he claim it on Schedule Eeven if he does not collect rent.
Yes, one more thing, andthat is again, the easiest way

(39:45):
to prove that something is held forinvestment is you have it on your tax
return and you collect rent. Thenit's proof positive that you're holding for it
for investment. Remember, it's alwaysthe burden of proof is always on the
taxpayer to prove in this case thatthe property is held for investment, so
the taxpayer has that burden when theissue arises, did you hold this for

(40:09):
investment or not? And that it'sit's based on as usual, all the
facts and circumstances. Okay, Nowwhat about this then? If he has
the house, his son lives init, and he's never depreciated it does
does Schedule E demand depreciation? Well, the tax code demands depreciation, That's

(40:34):
what I meant. Yeah, okay, and improve and improved property that you're
holding for investment. Taking depreciation isactually demanded for right. A lot of
people don't realize that and explain whatthat means if you don't do it.
Well, it means that that itwill be imputed to you. When you
sell the property. The irs willtreat it as if you had taken depreciation

(40:59):
even you have it, So yourtax liability will be based on a reduced
basis. As you take depreciation.Of course, your right basis goes down
every year, and they will presumethat you did take it, and your
basis will be treated as having beenreduced every year. Now let's talk about
this then. Is it too latefor someone who's had a home, Well,

(41:22):
no, my god, he's hadit for so long. But let's
say this, Let's say you've hadit a few years, would it be
would it be considered improper to doan amended return and say, oh,
I meant to call this an investmentproperty. You know, first of all,
amending tax returns is the IRIS doesn'trespond very quickly. When you file

(41:52):
an amended return. You can't fileit electronically. You have to file it
in paperwork form. And the IRSjust is not really very well equipped to
handle amended returns. Yes, Ido handle amended returns, but they're not
very good at it. So ifyou're finally amended return, don't think that

(42:13):
you're immediately going to get the IRS'sattention by having done that. Okay,
but and and let's talk to Steve. And Steve, since two thousand and
nine has your son lived there?That's correct? So basically, you know,
eleven, twelve, whatever years,and you've never you've never received a

(42:36):
diamond rent, right right? Anddid you put it on your tax return?
No, Steve, I'm telling youthat's a that's a tough one.
What do you think as far ascalling it a trying to do a ten
thirty one right now. You know, I'm not sure you know, I'm

(42:58):
looking at it from the standpoint ofI'm just trading or trading up for trading
down to another home in a differentcounty. But it doesn't work that way.
It doesn't work that way, Steve. I mean that's what you look
at it. But the irony thegovernment has codes. I mean, we
might look at it any way wewant. I look at my salary as

(43:19):
being a gift, but it's not. It's income. So Steve, really
all joking aside, It doesn't matterwhat you think of it is you know,
Steve, is that blunt enoughocks?You mean, yes, I'm mister
hitcock. Sorry, yes, yes. And keep in mind though that if

(43:39):
you if you do a ten thirtyone exchange and it gets challenged by the
IRS, you're going to have topay the taxes that you otherwise would have
had to pay anyway. Plus inthis case, you're certainly not going to
be penalized for doing this, Soyou would be required to pay the taxes
that you otherwise would have had topay this transaction, plus the IRS interest

(44:04):
rate on those unpaid taxes. Sothat's the risk that you're taking here.
It's not an enormous risk. It'sjust taxes. Yeah, yeah, I
see what you're saying. So doyou have people Steve often that well meant
not often, But do you havepeople that do it and say, let's
take a flyer and see what happens. Well, you can see the definition

(44:28):
of health or investment can fade intovarious shades of gray. So every taxpayer
has a different risk profile that they'rewilling to take. Some taxpayers are like,
gosh, I don't want to messwith the RS under any circumstances,
and others say, tee, thisis a closer call than I thought.

(44:50):
Maybe I'll go for it. Andall we try to do is discuss with
the client what those text risks are, and ultimately the call is THEIRS.
Well, let me ask you thatour ten thirty one's one of the red
flag things that might trigger an audit. Honestly, no, So what are
he's saying, Steve of Steve,Now Steve, not mister Hickock's but Steve

(45:12):
the consumer. What I hear Hitcocksaying is hey, you can go for
it. What the hell I mean? If it's challenged, then you pay
the tax and you pay the that'sinterest it's not like you're trying to cheat
anyone. And Steve, I'll betyou your original purpose for buying a house
was, hey, we can getan investment property. It's going to grow

(45:37):
in value, and then while we'rekeeping it, our son can live in
it. Wasn't that really your primarygoal? Absolutely? Yeah, I mean,
you know, I don't think that'sa hard argument to make. But
you remember, now that house willbe considered depreciated by twelve years or however

(45:59):
many years, thirteen, fourteen,whatever, it's going to be considered depreciated.
Do you understand that? Yeah?I understand. So how much is
the house? How much did youbuy the house for? I think one
hundred and ten thousand or something likethat. Okay, so what is your

(46:21):
house worth now? Probably four hundredmaybe four five? So now you understand
you're not going to downsize here,right right? I understand that. So
you're going to have approximately three hundredthousand or more in gain to defer just
my rough calculation, right, Andhow does that work? Then? Hitcocks,

(46:46):
mister Hitcocks, how does that work? Well, I'm just doing the
numbers in my head right now.Tom, And so if he held it
for twelve years, and he paidone hundred and ten for it. I'm
going to assign tens of the landand one hundred to the house. Yeah,
meaning he started with a depreciable basisof one hundred thousand, and the

(47:07):
depreciation on that is twenty seven anda half years. I'm just going to
use twenty five and say that hisdepreciation should have been four thousand dollars a
year times twelve years forty eight thousand. I know that was fast, but
yeah, and so it's right whatI said. His gain is going to
be right around what I said,probably right, just roughly plus another forty

(47:27):
eight thousand the recapture recapture, okaythat year, You're right, you got
to recapture, right, okay?Okay. So in other words, have
you identified any houses Steve in thenew County? Yes? How much?
Are they? Right around? Fourhundred? Okay? So you if you

(47:52):
transfer the gain into the new house, you then understand the new house's game
goes bases his way down right,right. So this sounds doable, right,
mister Hitcox. I would say it'sdoable. And there's another thing that
helps here. That is when youreport a ten thirty one exchange on your

(48:14):
tax return, you show how muchgain you're deferring. That's part of the
report, is how much gain amI not paying tax on? Right?
And if he plugs in the reducedbasis and takes the depreciation in essence on
the reporting form to report the exchange, that will enhance his claim that this

(48:38):
is held for investment when he actuallyreports the exchange. Okay, Now on,
mister Hitcox, do you have anoffice in Denver? Yeah, it's
on East Hampton. Okay, Steve, let me give you his number.
I mean, these guys are goodman. We had on the show before.
It's the website is ten thirty onex dot com. Yeah, and

(49:01):
here's his number. You're ready totake it down? Steve h eight eight
eight eight nine to nine ten thirtyone. Isn't that nice? Eight eight
eight eight nine ten thirty one?Steve? You know what Katschina? Would
you make sure? Let's let's gethim on the show one day. Okay,

(49:23):
let's do that. That would beAre you if you're around, I
would love to have you on theshow one day. That would be cool.
Just come in and talk about exchanges. Now, do you do more
than just real estate? Exchanges,well, after Donald Trump changed the tax
law. I mean I'm giving aDowitch credit there perhaps or or blame.

(49:45):
Yeah, it used to be thatother tangible personal property who was exchangeable.
But after the tax co changes underthat happened under Donald Trump, the only
thing that is now exchangeable ten thirtyone exchangeable is real estate. Oh okay,
okay, well that takes the funout of it. Okay, but
okay, so really, then whenyou dispose of business property, like I'm

(50:09):
not saying that everyone's going to worryabout this, but a jet or a
yacht, you're going to pay onthat. You can buy another one that
will off set some of it,but I mean you're going to pay on
it. That's right. We usedto do airplane exchanges. We did fishing
trawlers, we did classic cars,we did all sorts of other exchanges before

(50:31):
the tax code changed about five yearsago. But now it's just real estate,
which has always been the dominant partof our business. Thank you very
much, and we got more comingup. I'm Tom Martineo. Go with
a sure thing Denver's Best roofer Excelroofing dot com. You don't pay a

(50:51):
cent until you're content, time foran insurance check up free, no obligation.
In comparison, call comp Us Insurancepaying too much your coverage at dozens
of insurance companies find out now threeall 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 homewith Remax Alliance three all three nine two

(51:14):
zero sixteen twenty two. Hi TomMartino here three O three seven to one
three talk Compass Insurance Group. We'lldo free insurance checkups three oh three nine
nine six nine thousand. That meansif you're wondering if you're over insured,
under insured, not paying or payingtoo much, you gotta call them,

(51:37):
especially now with where insurance is threeoh three nine nine six nine thousand.
All right, So, uh,we have K and H here, and
I wanted to ask about Alpin windows. So Michael's with us from K and
H Home Solutions, And I sayK and H Michael Bernstein is the oldest

(51:57):
home improvement company in Colorado. BecauseI can't think of many or sixty five
years, sixty eight years, now, sixty eight years, Holy crap.
Now when I moved here. HenryZeligeman was just getting out of the business.
He started it, and Kay andH stood for Henry and his wife
Katina. Yes, Katina and Henryk and H and then Ted bought the

(52:20):
place and then Ted sold to Lee. All good people kept the heritage and
the same company going. In factimproved the company. So I like Alpin
windows for those listening it. They'remade here in Colorado and they've been made
here since eighty one musing nineteen eightyone. Alpin was found right after I

(52:43):
went to coloradois Colorado, right beforeright after I got to Colorado, right
and so Lewisville, Colorado, andthey started making the insulated glass units and
then the industrial stuff and then residentialfor a last twenty No, they've been
doing new builds, so residential newfor about twenty years and then retrofitting or
replacement windows. You guys picked upon that, correct. Yeah, we're

(53:06):
the only company working with them rightnow. And you know we'll do it
with nailing fins or without nailing fins, So retrofit is normally what we do.
But if we're going to replace thesiding as well, then we'll put
the nailing fin in there as well. But yeah, the only company they're
working with as far as residential isconcerned. When you don't have a nailing
fin, are they nailed through theframe? Yes? Correct, yep.

(53:28):
And they're fiberglass. They have twodifferent lines. The main line that we
work with is called their Zenith andthat is an all fiberglass window and it's
insulated. It is insulated, yes, And they their glass technology is really
what is second to none. Theyhave triple pain and even up to quad
pain glass for homes for homes.Correct, Holy crap? Really, now

(53:52):
the frames? How is fiber Yousaid they have a couple of lines.
What's the other one? The otherone is called a tyrol and it is
a European style window that swings inrather than swinging out. See. I
think that's cool. I think that'sa cool idea. By the way,
And is that vinyl or fiberglass.It's a vinyl window that's reinforced with fiberglass,

(54:15):
so it has a fiberglass reinforcement onthe inside. Why so fiberglass?
Tell me about it? I mean, I know about vinyl and if it's
extruded properly done right, it's good. But what about fiberglass. Is that
even stronger? What is fiberglass allabout when it comes to windows. Are
we talking real fiberglass? Are wetalking about composite which is better than fiberglass.

(54:37):
No, it's one hundred percent fiberglass, so no plastics in there at
all. Okay, it is fourto five times stronger than vinyl. Really,
what about the tendency? They're notthat there is a tendency, like
I said, if it's done properly, but warping or or or peeling or
chalking or anything. That's the hugeadvantage of fiberglass. Fiberglass is what they

(54:59):
call inert, and it basically doesn'taccept heat and cold and it will not
warp, so it just won't absorbheat, it won't reflect heat, it
won't do anything. It just sitsthere. Correct, it's a forever window.
You put that in and that isit. You're done for the light.
Now, how does it hold itfinish? Does it come pre finished
or do you painted? It's apainted product. All fiberglass, even if

(55:22):
it's a white window is painted.Okay, so that's fiberglass. But as
far as vinyl are there, previnyl is pre colored, right, Yeah,
vinyl comes extruded and in a kiteor tan. Okay, if you
want a black exterior, which isvery popular these days, the exterior would

(55:42):
be painted on a vinyl window.Black exterior in Colorado is insane in my
opinion, it's totally absolutely insane.It won't be black in ten years.
No, well, yeah, andit's gonna do well. How does fiberglass,
So fiberglass get in any color fiberglassyou can get you paint twelve different
callus. It comes prepainted from theAlpin factory. Okay, so that's cool,
that's really cool. So can youget black fiberglass window? You can

(56:08):
get black, bronze, white,red, green, really tan, different
color tans. I would say themost what most people are doing is either
an all white window or a whitewindow with bronze or black exterior. So
you can get windows with I wasgoing to just ask that you can get
a window with a different color onthe inside than on the outside. Correct.

(56:28):
Both with the Provia vinyl windows thatwe carry and with the Alpen fiberglass,
you can do a two tone,so you're still doing pro Via correct.
So the main lines you have Alpinand Prova correct cool. H josh
I didn't mean to ignore you there, Josh. You called and I asked
you to call back, and Isaid, yeah, call the damn city

(56:50):
and ask them what they're doing inthat adjacent lot that you smell burning,
and they're burning bags that look likeevidence bags. What city is this?
Wheat Ridge? Now, hold on, this is a tease. We're gonna
come right back to him to findout what the hell they told them and
see if we can help. Gowith a sure thing Denver's Best roofer Excel

(57:15):
Roofing dot com. You don't paya cent until you're content, wait time
for an insurance check up free,no obligation. In comparison, call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
oh three seven seven to one help. You'll think you're his only customer when

(57:35):
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martino
here, three oh three seven onethree talk three oh three seven one three
eight two five five renew home Innovations. You want to talk about the best

(57:57):
shower. You want to talk aboutrenew Home Innovations tubbed shower conversions, lifetime
warranties on some of the finishes.I'm going to tell you they do it
in two or three days, seventytwo months to pay no interest. Give
them a call three h three ninezero four two thousand, or go to
renew home Innovations dot com. Theydo them custom and they take out that

(58:17):
old ugly shub. That's the showertub Coombo, that's renew Home Innovations dot
com. So Josh he sees theseguys burning in the lot next to his
house in Wheatridge. He says,it stings. It looks like they're burning
evidence bags. What the hell arethey doing? I said, call and

(58:38):
ask Just call and ask him.I mean, wheat Ridge isn't a terrible
city. Maybe you'll get some answers. Did you get any answers? Hey,
Tom? Yeah. After calling thirteendifferent phone numbers, I finally found
someone that actually answered and they informedme that it was a police department drug
burn that they were doing right therebehind our house. Wait, come on,

(59:01):
they're burning drugs yep. And soactually during the break I was going
through and just trying to see ifI could find any articles talking about drug
burning some of the hazards with it. I found a what kind of drugs?
I mean, is it crack?What is it? Yeah? I
don't know. They didn't tell me. He just said it was a drug
burn. But I did find likeI was saying, well, at least
they're honest about it. Article.Yeah. Yeah. In that fourteen ap

(59:25):
article they mentioned that there's actually Ibelieve the EPA has regulations around pharmaceutical companies
burning I don't know, leftover expiredproducts, But it doesn't look like those
same regulations apply to police departments.But wait a minute, aren't some of
these drugs ingested by putting them onfoil and burning them? So that's my

(59:50):
point exactly. So you either getsick or a free high. I mean,
this is crazy stuff. Yeah,And what even blows mind more is
that the three it looked like itwas one city employee and possibly two contractors
that were doing it, and noneof them were wearing respirators and they were
standing right next to the thing,which really blows my mind. Maybe it

(01:00:12):
was intentional. Did they call friendsover, did they have music praying?
I mean, you know, thiswhole thing could be already going on go
Lee. You know right now thereare a lot of tweakers wondering where that
is because they want to go outthere and park their car, but we
won't tell them. This is crazy, seriously, I mean, there must

(01:00:34):
be there must be some kind ofregulations on Did you ask if there are
any concerns? No, but Iam going to be going through and trying
to find who's in charge of theevidence at the police department, and I'll
be sending them an emails as wellas the city council bringing up some concerns
about the fact that they're burning drugsout in the open right here next to

(01:00:57):
my house. You know, Igot three kids under the age of ten
that are on summer breaking out,they playing, and it's not okay to
be having the city burning drugs,you know, less than one hundred yards
away from them. How about this. You ought to do a pamphlet,
a one page flyer and give itto your neighbors. I'm serious, because
you have some facts you just foundout. Did you know this lot is

(01:01:21):
burning drugs? I mean, Imean, are you concerned? If so,
call me or something. And nowyou may want to do I would
if it was my neighborhood. Howmany homes are around that lot? There's
at least I believe at least threeduplexes, so six total households that back

(01:01:44):
up directly to the lot. Like, is this like a green belt a
big area that the city owns oris it just a residential lot? What
is it? No, it's it'sit's the city lotty. I mean they
have they have a big old barnfor their sandpire or their salt. Can
you get some pictures of this forme? I want to make some hay
on this. Oh yeah, yeah, Okay, you help at troubleshooter right,

(01:02:07):
help at our email. Help attroubleshooter dot com and send me any
picks or video anything you can geton this. I'm serious. I can't
believe. And when you email me, give me the address. I won't
make it public right now, butjust give it to me so I have
it. That's crazy, Okay,thanks for letting us know this, Josh.

(01:02:30):
So I'm going to wait to hearfrom you, okay. And he's
going to take some video and stuff, and then I suggest he mobilized neighbors.
It would upset me if they wereburning drugs. I mean it seems
to me that's not a good wayto get rid of them. But well,
maybe it is in maybe some kindof a controlled incinerator somewhere where it's

(01:02:52):
not out in a lot where theypull a fifty gallon barrel out and throw
drugs in it. I mean,come on, you know, kitchena.
We should call Wheatbridge, ask himwhat number he called. I think we
should follow We should have somebody alsofollow this up. This is BS.
I want someone to follow up,find out the one number he finally got

(01:03:13):
through to. I would guess theyknow what they're doing. Yeah, he's
sending me his pictures and his contactinformation and everything that he has, So
we should do you think they knowwhat they're doing? Come on, really,
yeah, of course, come on, what do you think they're out
there burning meth? Who knows?It's probably some weed man and maybe they've
got a Maybe it goes through somaybe it goes through something that gets uh.

(01:03:36):
I don't know a filtration process.He said, it's a fifty gallon
barrel. That could be a reallygood barrel. I don't know, golly,
I mean, it's just how doyou burn your stash? I don't
use it all. I use itall. I don't have any leftovers.
And here's the deal man. WhatI'm wondering what kind of drugs? It's

(01:04:00):
a drug burn But what kind Imean? I'm I don't know. And
how much do you think of thatevidence goes missing? Now and then from
the time they take it from theevidence room to the fire. You know
this, think about all that stuff. I can make you crazy thinking about
this kind of stuff. Go witha sure thing Denver's Best roofer Excel Roofing

(01:04:30):
dot com. You don't pay acent until you're content. Time for an
insurance check up free no obligation comparisoncall Compass Insurance paying too much your coverage
at dozens of insurance companies find outnow three O three seven to seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three three nine

(01:04:54):
two zero sixteen twenty two three ohthree seven one three eight two five five.
You know that three oh three Martino, say with me that number works
on and off the air. Ifyou ever have a problem, we definitely
want to hear from you. Iwant to talk to my guests real quick.
Which one of these young men wassaying they like Nikes because of the

(01:05:17):
quality of the Nike tennisue? Whowas it? What's your name? Do?
I have no one paying attention?I'm here, shut up. I
want to know which one of themlikes Nikes? Who was that? I
heard that at the beginning of theshow before I was on. Oh yeah,
yeah, we were talking about brandloyalty or brands and uh yeah,

(01:05:38):
cheap Chinese labor Nikes. That's whatit equals. In fact, I think
that's what it spells somehow, soI totally disagree with you. You know.
You know what's funny is Nike's anAmerican company, right, you know
that, right? Yeah? Butmost of them are made in China probably,
just like uh, almost everything,Yeah, like your iPhone that you're
so proud of. He's staring atme so good. Mark once told me

(01:06:00):
a story, and it's very true. If it's about Apple and all the
people that have died, he's committingsuicide building them in China. They put
special nets outside or something to catchpeople or commit called fire. It's the
I think it's called Foxcom and it'sthe manufacturing plant for Apple in China,
and they set up nets because peoplewere literally throwing themselves to their death just

(01:06:26):
to quit making iPhones that you,Martino use, Well, you use an
iPhone, I mean you use asmartphone. Well where I think your phone's
made? Korea? Okay, Yeah, that's a bastion of wonderful life.
It's the good Korea. Listen,do you know that seventy two percent of

(01:06:47):
all US adults say they don't givea rip about a company's commitment to diversity,
inclusion and the environment. I don't. If I'm a stockholder and something,
I care about one thing and onething owned that's right making it's getting
paid. I care about making moneyand product good products. Now, obviously
I'm not going to do a companythat, let's say, like you know,

(01:07:11):
truly are violating human rights or stufflike that. I'm not, you
know, or or exploiting children.But how do you argue that with anything?
Anything made in China? Pretty muchis they don't have a minimum wage
like we do. They have theyhave entire groups of people over there that
are forced to work prison labor camps. I mean, so basically anything,
I guess, Mark, if Ireally knew, seriously, if I really

(01:07:33):
knew a company was doing stuff likethat, I wouldn't buy their products when
it comes to that kind of stuff. But regular stuff like this, this
woke stuff, I don't really carethat much about it. I mean,
I think that people who highlight thewoke stuff and I hate even using that
word because it's so incindiary. Irather just but but what I mean by

(01:07:56):
that is that word's been bastardized.That's what you're trying to say. Yeah,
and they try to. I thinkthat they try to highlight our differences,
and it's it's such a terrible thingto keep talking about that. I
mean what, I don't even knowwhat does inclusion really mean? I mean,
are people really excluded nowadays? Maybethey are. Maybe I don't know

(01:08:17):
what I'm talking about. But anyway, here's the the seventy two percent don't
care. The one the people whocare the most, they're still only forty
five percent are the gen Z adultsand gen Z goes up to what age
twenty six? Is it or no? No way, I'm wrong on that,
or it might be I don't know. Anyway, gen Z I had

(01:08:41):
I had a whole chart here,and what do they care about? I
free way onto if the corporation.This is not for investing, by the
way, in the corporation, thisis buying products. If do they care
about equity, inclusion and climate change, activism and politics? Uh, forty
five percent of gen z says theydo care. Forty five. That's the

(01:09:05):
biggest chunk of a population that cares. Next to that are black adults they
care. That's forty seven or fortythree percent. We got more coming up
on the Troubleshooter Show three oh threeseven one three eight two five five.
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't

(01:09:28):
pay a cent until you're contenth timefor an insurance checkup free no obligation comparison
call Compass Insurance paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven to sevento one help. You'll think you're his
only customer when you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two dum

(01:10:01):
News need advice so you don't havecamarun Just as fast as you can shooter's
gonna help coming. Man Dix isthe trouble Shooter show. No Tom Martino,
Hi Tom Martino, You're a troubleshooter. Three oh three seven one three

(01:10:23):
talk seven one three eight two fivefive. We've had full lines all morning,
and right now we have lines openif you want to call in three
oh three seven to one three talk, or you can call three oh three
Martino three oh three six two seveneight four six six. K and H
Home Solutions with us today we're talkingabout Oupen windows made right here in Colorado,
some of the cool things about that. And then I just want to

(01:10:46):
say something, Michael. I don'twant to be controversial about this with KINH
Home Solutions. I don't want tobe controversial, but I don't like siding
at all. I'm just I don'tlike siding. I know there's some siding
better than others, but I'm very, very very disappointed insiding in general,
because really and truly they're stucco isabout his maintenance cree if you're gonna get

(01:11:10):
I wish there was more maintenance free. Size is aluminum siding pretty maintenance free.
No aluminum gets dented. You know, a stucco as well, stucco
has issues with hail, not alot woodpeckers. That's real stucco. Very
seldom will have a woodpecker problem.It's the drive it stuff, the foam
behind it, that the trim.You know it can. But real stucco

(01:11:33):
with hard coat very seldom will havea problem. But I love stucco,
I like I used to. I'mjust gonna tell you I used to love
Everlast. It's like it looks bulletproof. But they had some problems recently.
The older stuff was better. Idon't know what happened to them. They
seem to have changed a bit,They changed something in their product. I

(01:11:56):
know this year we did it.I know Hardies is definitely the best siding.
It doesn't hardy, but they allhave this surface problem that if you
pierce the surface, you're gonna haveproblems. Right, Yeah, I just
we just don't see the surface piercedwith hardy. Okay, they're pretty hardy.
Then it's what you're saying, Reallyit is pretty hard. What about
vinyl coded steel, vinyl coated steel, you can get some really pretty finishes.

(01:12:23):
Yeah, you know the problem withsteel is it does rust. You
do have hail damage with it.I mean vinyl gets destroyed and with hail
damage, not just final I'm talkingabout vinyl coated steel, right, Yeah,
I don't know. I mean it'sbetter than your traditional vinyl for sure,
and then the good old aluminum sidingthough you get some waves in that
maybe. And do you guys evendo that, We don't. We primarily

(01:12:45):
work with James Hardy. It's afiber cement, and I know everyone is
in this climate in Colorado. It'sit's as good as you're gonna get.
You do paint that or as acompaint. It comes pre painted. You
can also paint it yourself, butthe majority of it comes pre But you're
saying it holds up pretty well.Yeah, it's hail resistant, woodpecker proof,
hail resistant. We've seen damage onit, of course, of course,

(01:13:08):
I mean, you know, threehundred miles per hour chunk ice come
in is going to damage anything.But yes, we've seen James Hardy withstand
a lot of hailstorms out here.Listen, it's it's all what you uh
in Colorado's pretty pretty hard on iton all exteriors. As far as Colorado
has some harsh climate for sure,and as far as uh windows, though,

(01:13:31):
we we do pretty good luck withwith the pre painted vinyl, with
the fiberglass, with uh with.I even think aluminum clad windows are good.
They're they're a little expensive and theydon't have the thermal quality that a
lot of windows do. But ingeneral, h when it comes to low

(01:13:54):
maintenance, that's what people are lookingfor, right, isn't that what you
guys are trying to specialize in lowmaintenance energy efficient? See, every product
that we carry is low maintenance,and that's been really important to us.
And high quality. You want itto last. You don't want to just
put something in and then five tenyears ago, five ten years later have
to deal with it again. Solow maintenance. Really, there's nothing out
there that's no maintenance. People arelying to you if you tell there's zero

(01:14:16):
mains. But low maintenance is reallywhat we're looking for. In high quality.
Yeah, load to almost none.Sometimes some stuff gets pretty So does
James Hardy ever have to be repainted? So James Hardy is a thirty year
warranty? Really? Really that longon the paint? No fifteen year finish?
Okay, finish? Oh, soyou have a fifteen year in the
cop does it fade at all thedarker colors. It does not chalk fading

(01:14:41):
on some of the super dark colorsover time. Yes, but you're not
getting idiots that are doing there's noblack siding, is there. There's people
doing white siding with black trim,but typically no black siding. Yeah,
dark graze. I've seen some blackhouses literally black sliding, and I don't
know what kind it is, buti've seen it. I don't know if
it's painted that way. It's likea flat black. And I call them

(01:15:05):
the Twin Peaks. The houses they'reall I mean, right now, everything's
starting to look the same to me. I mean the newer houses, they're
all boring as hell, harder.You will have to paint fifteen, twenty
twenty five years down the road,depending on where your house is. That's
the advantage of vinyl. Vinyl willyou don't have to You never have to
paint it. I mean, it'llfade over time if it's a dark color,

(01:15:26):
but you never have to paint it. Three oh three seven one three
talk seven one three eight two fivefive. And then when it comes to
uh, really the exterior of ahouse in Colorado, if you have regular,
a regular paint job, I mean, God, Steve the painter,
you know, he does a greatjob at keeping things, keeping things painted

(01:15:48):
and done well. But man,he'll tell you paint doesn't last in Colorado,
not for a long time. Andthen I have a we have you
know, wood trim or wood doors. Forget those front doors. If they're
exposed to sun, I mean,they can just literally fall apart. Yeah,
that's why we work with pro Viafor our front doors. It's all

(01:16:10):
steel twenty gage steel or fiberglass woodproducts in Colorado is a bad idea.
Well, you got to keep themconstantly sealed and maintained and sanded. And
even if you do that, Iknow you're going to start to go.
They're a pain in the ass,that's right. So what kind of finishes
though, can you get on thesedoors? The fiberglass doors are typically is

(01:16:31):
it a green like wood. It'sgot a wood green with a with a
stain on it. And you havea fifteen year finish warranty on that as
well. And the steel doors aretypically painted with a ten year finish warm.
The good part about it is they'rethey're insulated, yes, all insulated
with polyurethane, which is solid that'ssolid foam. That's good stuff. Yeah,

(01:16:54):
that's what you find in YETI coolers. That's why you can keep your
cold soda air for three days.Yeah, all right. So three h
three seven one three talk seven onethree eight two five to five on these
brands and what we call cooperative engagementin social issues. The biggest population to
reject it baby boomers. They don'tcare. Eighty one percent of them don't

(01:17:18):
care, not at all. Sothe rest, of course say they do
care, but most of them donot purchase based on anything a corporation believes
or does. The next one underthat are Republicans. This is the Republicans.
Seventy nine percent don't make any purchasesbased on that. And then next

(01:17:43):
to that, gen xers in generaland white adults are almost neck and neck
not caring. They're in the highseventies or the mid seventies. Millennials sixty
six percent don't care. Thirty fourpercent due where it starts to get split,
are with gen zers. They carealmost fifty to fifty almost it's a

(01:18:09):
little skewed toward not caring, butthey do care, and that is remarkable
to me. Now, gen zers, by the way, are eleven to
twenty six years old. So thatwould include our guys here today from college
and doing internships. And then let'ssee who else. Then we have Hispanic

(01:18:31):
adults sixty two percent don't care.Black adults fifty seven percent don't care,
but forty three percent do. That'sa big number. Then adults of all
other ethnicities sixty six percent don't care. So right now, if you look
at this chart, in general,most people don't care about the equity and

(01:18:56):
the inclusion and climate change commitments.Most people don't. Bob, Welcome to
the show. What's going on?Hey? Tom? How are you doing?
Good man? What's what can wedo for you? Hey? I
had a question. First of all, I wanted to get the name of
the person that you always used tohave him come out and do independent roof

(01:19:17):
inspections. I think, yeah,we mark used them now. Of course
we use a lot of times ourroofers that we like, but you can
get a roof. I did callExcel. I called Excel to come out.
But I thought you had an independentperson. Yeah, there we do.
He's not on the referral list,but we do have an inspector from
time to time, and his name. I don't have his name memorized,

(01:19:40):
what's the issue, why do youneed one? Well, I'm starting to
get notices there now. I useAcuity, and I think you're familiar with
Acuity at least I use Brian atCompass, and I'm starting to get I
got my first notice here that asof the maturity of this policy of August
fifteenth, they we are deciding notto cover the roof because it has a

(01:20:03):
street tab shingle which is no longereligible for our underwriting guidelines. So they're
really forcing me to go out andget inspections on these properties before the term,
you know, expires, and maybethey'll end up having to put a
new roof on it. I don'tquite understand there. Well, no,

(01:20:23):
no, A bunch of roofers,excuse me, A bunch of insurance companies
have been reevaluating roofing coverage in general. Many of them are going to stop
covering roofs all together, period alltogether. Some are covering for very high
deductibles or ACV actual cash values,or they're doing a percentage of the environment

(01:20:49):
of the dwelling amounts of the dwellingsworth. If the dwellings worth five hundred
thousand, they might do two percentdeductible or three percent. So it's really
across the board, and some ofthem are specifying specific kinds of roofs,
and that's what it sounds like.That's what it sounds like. And it's

(01:21:12):
a way it's kind of detrimental tothem because I'm going to go ahead and
have the property independently evaluate it,and they'll probably end up having to put
a roof on this property because Iknow there's been hayl you know this is
off of Smoky Hill, And well, why wouldn't you have done that?
Why wouldn't you have done that?Anyway? If you had hail damage?
How old is that hail damage?You can't you can't put an acclaim,

(01:21:35):
every bob, you can't put anacclaim for hail damage older than a year.
What I would do every problem.Listen, guys, here's what I
do. Call her, Here's whatI do. You want to call up
Matt at Paragon Services. He cango back and find when hale hit there

(01:21:56):
and what date it hit there,and then argue with your insurance company if
it's even there, if the datesline up to actually get it covered right,
But if it's more than a yearfrom the storm, you're not going
to be covered. So in otherwords, you basically should have every property.
I've got rental properties, I shouldhave every one of them expected once

(01:22:19):
a year to make sure there's beenno hail going through that particular area.
Well unless, I mean, normallyyou would know if there's a hailstorm you
hear about it. But I guessif you don't hear about it, it
wouldn't be a bad idea to havea roof inspection. But what I'm saying
is is that if you have haljust remember Bob, they're not going to

(01:22:42):
cover it. It's older than ayear. And here's the other problem.
If you have multiple hail events,you're going to have a hell of a
tough time discriminating, and they maynot cover it at all because what they're
going to argue is that the previousdamage rendered it useless anyway. So what
was destroyed recently was a useless roof. So you're going to have a problem.

(01:23:06):
Well, I guess I'll have theroofer look at him and evaluate and
they should be able to take you. I think Matt, I think Matt
would be the one to go.I go with Mark on this one.
Matt at Paragon Services. He's nota roofer, but he knows a hell
of a lot about roofing and everythingelse because he does specifically insurance claims where

(01:23:29):
insurance companies are trying to screw people, and he takes a percentage of what
he collects. But here's the mostimportant part. Here's the most important part.
He will let you know if hethinks you can even get it covered,
because if you have not had ahailstorm in the recent he'll look at
all his records and if you didnot have a hailstorm within a year,

(01:23:53):
you're not going to be covered anyway. If you did have a hailstorm,
then he has to go to worktrying to make the argument that it was
the most recent hailstorm that did thedamage. And he'll do that by looking
at previous hailstorms and he might say, hey, there were no previous storms,
or yeah there was one, butit was ten years ago. I
mean, you let him handle that, and it's free of charge until you

(01:24:16):
hire him. Right, that's theperson I was looking for the name,
So that's Matt at Pergun, that'swho I Yes, that's what you want
to mark. Do you have thatnumber? Handy I can give a concom
Okay, Kachina, we'll give itto you. Hold on and we'll get
you that number. Go with asure thing Denver's Best roofer Excel Roofing dot

(01:24:41):
com. You don't pay a centuntil you're content. Time for an insurance
check up free, no obligation.In comparison, call Compass insurance paying too
much your coverage at dozens of insurancecompanies find out now three O three seven
to seven to one. Help.You'll think you're his only custom when you
choose Frank durand the real estate Mandot com to list your home with Remax

(01:25:03):
Alliance three oh three nine two zerosixteen twenty two. Hi Tom Martino here
Grossmanwellness dot com. I love thatplace and I go there. I go
there all the time. I mean, you know, it's a concier's medical
service. You pay a few hundredbucks a month. It includes your prescriptions,

(01:25:26):
your supplements, yeah, and yourblood work every three months. It's
being very proactive about your health.For two forty nine. You can see
where you stand with them, getyour blood work in a consultation, see
if you want to continue. There'sno obligation. I mean, I really
urge you to do it, especiallythose getting up there in years or actually,
really that's not an accurate You shoulddo it no matter what, because

(01:25:47):
you're never too young for great healththree all three two three three forty two
forty seven Grossmanwellness dot Com. Solet's talk. We got Acuity insurance and
we gave them the We gave themthe referral, and that's important. People

(01:26:08):
with insurance remember this. You're goingto hear a lot about insurance companies not
renewing your policies for roofs unless youchange your roof. They don't want a
three tab really narrow, not narrowbut thin asphalt roof anymore. They're making
you upgrade and yeah, they cando that, or they can refuse to
cover you. Cynthia, you're callingabout Safe Code. What's going on with

(01:26:30):
safe Co Insurance? What a quotethey are? Why? What's going on
on the thirtieth before the storm hit. I had emailed Safe Code to find
a cheaper policy. My policy doesn'texpire until November twenty four. Okay,
I had got a compass quote becauseI've been listening to you for thirty five

(01:26:54):
years, so I don't do anythingwithout your approval. Okay, I had
check around in January and so Iwas able to send safe Co on on
Thursday, the thirtieth of that quoteto see if he could beat it or
match it. But but hold on, why why would you bother doing that?

(01:27:18):
I mean, why would you ifCompass came with a better price,
why would you even go back toSafe Cost? Well, because I didn't
change my insurance. I was sinceit at autover News and I just was
trying to take a better interest inwhat was going on. And I'm a
preventive person, so I was tryingto get ahead of I understand. But

(01:27:40):
when you know, when Compass gaveyou a price that was better, why
then go back to Safeco and saymatch Yet? Why what did you have
some allegiance to Safeco? Well,I've had him forever. Okay, Well
what does that mean if anything?Okay, everybody mutual bought them. I
had never had you know, Ineed to see let me explain, let

(01:28:02):
me explain something to people. Ihave to say this and get it off
my chair. I just have tosay this. The one industry where loyalty
is actually penalized, not rewarded,is insurance. It is the one industry
that you can almost always do betterfinding another company. We do what's called
the insurance checkup, and that meanspeople can call Compass Insurance Group and get

(01:28:25):
a free insurance checkup. Eighty fivepercent of the time they can find another
policy and save those people money.Why because longevity and loyalty with insurance is
never rewarded. Here's how it works. You get an insurance policy, and
once they know they have you,they creep up this it's called creep up
syndrome. They creep up the premiumsand they creep down the coverages. So

(01:28:49):
the longer you have insurance, theworst deal you have, and the way
to get a better deal is torewrite the policy. I just want people
to know that, for some reason, people have this vision that if they're
with an insurance company for twenty orthirty years, somehow it's golden and they're
doing something lofty and it's really agood value. It is exactly the opposite.

(01:29:15):
Insurance companies have zero loyalty. Theyare blood sucking scumbags. The industry,
it's the only industry that I trulybelieve does not have people's best interests.
Most industries want to help people insurancecompanies are the low life of industries.
They come in and ruin healthcare.They come in and ruin insurance,

(01:29:38):
car, insurance, everything. Theythe adjusters go out and try to pay
as little as possible. That's whythey're called adjusters. You never hear them
adjust things upward. They always adjustthings downward. And I just have to
get this off my chest because Cynthia, you are under some crazy illusion that
you want to stay with safe Codebecause you've had them for years, and

(01:30:00):
that is exactly the reason you shouldget away from them. But now continue,
Okay. So anyway, when thestorm hit, it was on the
thirtieth. I had emailed you know, SAFECode during the day of the thirtieth.
You had emailed them asking if theycould beat the compass price right during

(01:30:21):
the day of the thirtieth. Okay, So when the storm hit, I
got on your website and contacted Excel. Excel roofing came out the next day,
wonderful. I want to deal withhim, and I called to put
in my roof claim because my roofwas I live in Green Valley Ranch.
It was destroyed. And I findout that he's changed my policy and who

(01:30:48):
changed her policy the Safe Coe people, they changed him from my deductible from
one thousand dollars to six thousand.No, wait a minute, wait,
wait a minute, Wait a minute. And you're saying they change they can't.
Let me explain this to you veryclearly. During an insurance contract,
they can't change it. So ifyour insurance contract had a one thousand or

(01:31:11):
two thousand dollars deductible, they cannotchange it. Well, they did,
they can't, so they can't.So and my policy didn't expire until November
twenty four. The policy you havethrough November of twenty four? Do you
still have it? Yeah? AndI have it, but he's rewriting it.

(01:31:31):
And when I called Cynthia in question, Cynthia, one thing at a
time, Cynthia, because you're notmaking sense. You're talking about rewriting.
Here's what I'm asking you. Youhave a policy in your possession that expires
in November of this year. Isthat correct? It is correct that policy
that expires in November of twenty twentyfour has how much of a deductible one

(01:31:57):
thousand dollars? Then they cannot changeuntil November of twenty twenty four unless you
cancel the policy I did not.Then they can't do it. So tell
me how they did that. Idon't know, because I emailed him to
find a comparable price or cheaper prisehim? Who's him? His name is

(01:32:20):
Jim Morale? Who is he?Who? Who compass? Where? Who
did you email? Okay? He'sa part of broad Field Insurance A again?
Who who are you? Did youask safeg? Is that what you
mean? The people who are representingyou with Safeco? You asked them?
Okay, so you asked them tofind you a better policy before mine expired.

(01:32:46):
I get it. You asked themto find you a better policy.
What did what did you mean bythat? Did you say I want to
pay a less of a premium?Correct? Okay? And that broker that
you had could have misconstrued that thatyou wanted to cancel your policy and pay
less. I put it in.It was in an email. Good.

(01:33:08):
I physically stated that I was shoppingaround before my policy. Excellent, excellent,
And that's excellent. You put itin an email. So this guy
took it upon himself to rewrite youa policy with a higher deductible but probably
a lower premium. Right, itwas a higher deductible, and then it

(01:33:30):
had my medical coverage payment. Uh, he changed the total policy premium changed,
He just changed it. Did itlower your premium? No? Well,
what excuse would a guy have forgiving you less coverage? Did it

(01:33:56):
raise your premium? Let me see, Cynthia, what you're telling me makes
no sense. You're telling me youcalled to inquire about a better deal and
this guy at Safecoa took it uponhimself to change your policy to less coverage
for the same price. Well,he gave me a total policy premium of

(01:34:18):
six thousand instead of eight thousand.Okay, so you did say to see
That's what I'm getting at. Hethought that he was doing you a favor.
Well, he still couldn't have changedit would before it expired. Yeah,
he could have with your signature orapproval, but you signed signed anything.

(01:34:38):
Okay, we need to get compassOn. I need to get compass
On to talk about I mean,they're not involved in this, but I
need to ask them. I don'tthink they can do this. I think
they're trying to pull a fast oneon you, and I think you can
go to the Insurance Commission and Ido not think they can force you into
a new policy with less coverage.I don't think they can do it,
so hold on and let's I'm goingto get our experts on to address Go

(01:35:02):
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 obligation
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three oh three seven sevento one help. You'll think you're his

(01:35:24):
only customer when you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two.
Hi Tom Martino here three O threeseven one three talk seven one three eight

(01:35:45):
two five five. Let's uh,let's talk now this thing with Cynthia.
We need to get one of ourinsurance extras on. This is unheard of,
you know, Cynthia. I justwant to tell you something. Whenever
I've made policyach just like with Compassfor example, and I want to cancel
or change anything, anything at all, even at the end of my policy,

(01:36:06):
they send me docu signed documents toacknowledge everything. They never do anything
verbally, Well, they do,they get it started, but they always
require me to sign I say,Brian, man, come on, man,
you know me, I'll just goahead and do it. And and
they want that they want that documented. So if this clown agent says you

(01:36:27):
were changed and it's disadvantage to youand you got a way more deductile,
this guy's going to have hell topay if he can't show documentation. Okay,
you hang on. We're gonna getour insurance expert on to verify that.
And then you go to the insurancecommission. They can't get away with
this crap. No, no,no, no no. Let's talk to
Patrick. Hey, Patrick, whatis your question concerned? What's happening?

(01:36:50):
Not much? How are you doing? I'm doing good man? What's going
on? I love your show.I always listen and I've learned learned a
lot than Just have a quick questionabout, uh, the sales tax stamp
on tobacco and alcohol. Yeah,that's for sales tax. Correct. It's

(01:37:11):
well, it's not for sales tax. It's it's for taxes. It shows
that they were taxed. I don'tthink they they might call it a sales
tax. I thought it was anexcise tax, but there are certain taxes
they have to pay before it evengoes out for sale, and then sales
tax goes on top of that.I just remember when I was younger,
when you ad buy cigarettes or alcohol, there was that was the price.

(01:37:33):
There was no tax added onto it, no other taxes added on to them
all the time. Now, yeah, they when you go to check out,
they add sales tax on top ofthe tax. And I just didn't
know if that was like being doubletaxed. Well, it is being It
is being double tax. We're oftendouble tax and triple tax. It depends

(01:37:53):
on what we buy. See people, some people have to pay excise taxes.
Some people have to pay import taxes. Some people have to pay all
kinds of taxes or surcharges or tariffs. And then on top of that you
might pay a tax for transportation,and then why the time it gets to
the retail level, you pay yoursales tax. Yeah, that's absolutely normal.

(01:38:14):
Now, there was a time,I believe there were some places that
exempted alcohol, tobacco and food.There's cigarettes in almost every state unless you're
on an Indian reservation or something likethat. At sea, they have an
excise tax that's with this guy.Some states do not add a sales tax
on top of that, but Colorado, I assume does. Yeah, And

(01:38:35):
that's the point. They don't haveto not do it. In other words,
in other words, there's nothing thatsays it's not. But it used
to be in some states that alcohol, tobacco, and food were all untaxed.
Now they tax the hell out ofeverything, and in fact food,
of course, I think that therule on food, unless it's changed.

(01:38:58):
The only thing that's tax on foodright now, I think is prepared food,
right. I mean, if youbuy groceries, do we buy,
we don't pay sales tax? Sueyon food? I don't. I don't
remember. But to make a longstory short, they can. If you
buy a pack of cigarettes right nowat Walgreens, you're going to pay sales
tax. Okay. I was justcurious about that because I swear it used

(01:39:19):
to be they didn't. That's right. That's in some states. I don't
think still do. I mean,I'm not sure, but I think that
there are still some states that donot charge sales tax. But that's really
a local state issue. That isnot something to be that's not something that

(01:39:39):
says, hey, if there's astamp on it, then you don't pay
sales tax on it. Three.In fact, we have there are cases
where people who build stuff, theypay sales tax on components, and then
you pay sales tax on the finishedproduct. So there's all Oftentimes we're double

(01:40:00):
and triple text. Now Cynthia's questionabout Safeco, we're going to talk about
coming up 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

(01:40:24):
no obligation comparison call Compass Insurance payingtoo much your coverage at dozens of insurance
companies find out now three oh threeseven seven to one help. You'll think
you're his only customer when you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty
two. Hi Tom Martino here threeoh three seven one three talk seven one

(01:40:50):
three eight two five five. Jeremy, I hope we can get this in.
Jeremy Kuzier Curzio is with u CompassInsurance Group, home of the free
insurance checkups by the way and threeh three nine ninety six nine thousand,
Jeremy, I got a question foryou. Sure, okay. This woman

(01:41:12):
claims she has safe Co insurance onher home with a one thousand dollars deductible
that expires in November of twenty twentyfour. And I believe that policy,
Tom, was through Compass. Well, Cynthia, did you get No,
it wasn't, Cynthia. The safeCo policy you have you did not get
through Compass, right? Correct?Right? Because she mentioned Mark another broker,

(01:41:38):
and she said she went to Compassto get a better deal. So,
Jeremy, here's what happened. Sheclaims she called her safe Code agent
and said, I want to tryto shop around before expiration. I want
to get a better deal. Itwas an email, Tom, an email,

(01:41:58):
I'm sorry, and she said shewanted to get a better deal and
that's all she did, according toher, that's all she did. Then
she went to you guys for aninsurance check up as well. She made
no other changes. There was ahailstorm shortly after that, and now they
tell her she doesn't have a onethousand dollars deductible. They changed her policy

(01:42:23):
and they saved her money. Butnow she has a six thousand dollars deductible
and she signed nothing. Now,I know you guys make me document everything
when you make a change. Canthey just say, willy nilly, we
changed your policy? No, no, does that happen. It can,

(01:42:45):
but no, they can't just changeher policy without her approval on it.
So you're saying the broker changed it, not safego right, And she's claiming
this guy's claiming she requested it.So and you do it on a verbal
or does it have to be signed? What if he claims she gave him
authority? And what if he claimsCynthia gave me authority and Cynthia says I

(01:43:09):
never did I have an email toprove it? Yeah, I mean I
think the onus certainly falls on thebroker, but it can be a fight,
and that's you know, that's whyyou'd try to get everything signed.
That's why we send that stuff becausewe want to make sure everyone's on the
same page. So if I mean, if she can prove she did not

(01:43:29):
authorize it, well, I don'tthink she has to prove she did not
authorize it. I think he hasto prove she did. I mean,
oh, absolutely, absolutely. WhatI was going to you're you're absolutely right.
What I was going to say isif she could prove to safeg hey,
I never changed this, This wasdone behind my back. Right,
Safego could work with her and thenthey could deal with the agent on the

(01:43:50):
difference. So she she should callshe should call them directly. Have you
called Safego directly, Cynthia, No, I didn't know how to do that.
Who does she call it safe Coad, Jeremy, don't they only work
through agents? They do? Shewould have she can call them directly.
I mean, you can't get likea new policy through them directly. But

(01:44:13):
hey, I've got listen, Jeremy, I've got safe Co. I went
to call over a question I hadnow mine was auto insurance about two weeks
ago, and it tells me tocall you guys period in des study.
That's which they're gonna want to doin a case like this. Do you
have an open claim? Is theclaim going on right now? I was

(01:44:34):
trying to file one the very nextday. He did all this in twenty
four hours. Okay, the adjusterwould be someone you could My argument would
be, or my hope would bethat Safego could work with you, get
back to that original deductible, andthen they can deal with the broker.
Yeah, but Cynthia, you mayhave to go to the division of insurance

(01:44:59):
and tell them that they change yourpolicy right before the storm without your knowledge
or approval. I mean, Iswear to you that you tell them that
this is what happened. And Idon't mind giving it to someone to work
on, but I want you tocall the insurance division first. This cannot
stand. We will help you,Cynthia. Go with a sure thing Denvers

(01:45:19):
Best Roofer Excel Roofing dot com.You don't pay a cent until you're contenth
time for an insurance checkup free,no obligation. In comparison, call Compass
Insurance. Pay too much your coverageat dozens of insurance companies find out Now
three oh three seven seven to onehelp. You'll think you're his only customer

(01:45:41):
when you choose Frank durand the realestate Man dot com to list your home
with Remax Alliance three oh three ninetwo zero sixteen twenty two news. So
you don't have run anxious. Asfast as we can. Shooter's gonna help

(01:46:05):
coming man. This is the troubleshootershow now, Tom Martino, Hi,
Tom Martino here three oh three sevenone three talk seven one three eight two
five five. Welcome to the show. This hour brought to you by frankurandereal
estate man dot com for a marketanalysis of your home what will itself war?

(01:46:29):
Without going through listing and all ofthat, Just go through Frank's thirty
years of experience three oh three ninetwo zero sixteen twenty two, No obligation,
free of charge The Man three ohthree nine two zero sixteen twenty two.
Let's talk. You know, Iwould be really upset if some insurance
broke er changes my insurance without myknowledge or without my approval. And I

(01:46:51):
want you to know this, folks. If anyone tries to pull this on
you call us. That was aprevious hour call. She said. When
I went to look at my deductible, it was now six thousand dollars.
I had a one thousand dollars deductiblethrough November of twenty twenty four. And
the guy said, well, youcalled to change it. She said,
no, I or she said,he said you didn't call, but you

(01:47:12):
emailed to change it. Her emailsaid I'm shopping around for better rates.
That's what she said, and hetook it upon himself, the changer to
a higher deductible. This is accordingto her. Of course, we're going
to check it out. Gina,what's happening, Hi, Gena, what's
going on? I got a question? Yeah? Okay, So my car

(01:47:34):
went in the shop. I gotan accident. My car went in the
shop on the twenty third of May. Yeah, they just called me five
minutes ago and told me that mycar was in hell damage at their shop.
And it's thirty one hundred dollars.And with the naked eye, with

(01:47:57):
his eye, he can only seeone dance. Well, I don't want
my car, you know. Well, what you have to do. What
you have to do is have Nowwhat was it in there originally for?
Because I was in a car accident? Okay, Oh, this is complicated.
Went into a body shop for acar accident, and your insurance company

(01:48:19):
was going to pay for that,right, it's all covered. Okay,
my fault, I got it.Now on top of that, you got
hail damage. And what you needto do is have your adjuster. Your
adjuster go out there, because areyou covered for hal you have comprehensive coverage.

(01:48:39):
Yeah, okay, So now yourinsurance company has to go out and
assess how much of that that they'llcover the hail, and then the other
company covers your car. There's twoseparate claims. Okay, I'm just I
was trying to figure out. Wasit's your place? No, that doesn't
matter. Well, let me putit to you this way. What if

(01:49:00):
you went to the supermarket and parkedyour car there. Would you expect the
supermarket to pay if there was ahailstorm? No? I don't now.
The only way they would be responsible, Gina, is if they promised you
they were going to keep it inside. Okay did they promise you that?

(01:49:20):
Nah? No? How long wasyour car there? Just the twenty third
of me? And and they havea parking lot outside. I know that
body shop you're talking about it.It's over on Wabash right, Yeah,
yeah, good people. And Itook I took my car there once,

(01:49:41):
and you park outside, they havea lot. They don't promise to keep
it inside. See, it's nottheir fault. The hailstorm came right.
No, Thisistan made pissed me off. You know you're lucky though it's there
already being fixed. You won't noticethe difference. You really won't, but
you're going to. I'm not worriedabout that. I'm not. I'm just
what he's saying that he can onlysee one dent. If I don't look

(01:50:05):
at it under the light, thenI have only one dent. Yeah,
but why not take advance? Whynot put in an insurance claim? I
mean, if you have how muchis your deductible? Oh fifty? Oh?
You only haven't about any of that, Okay, not about any of
that. It's just I guess I'mjust I was hot headed, and you

(01:50:26):
know, I got y'all own speedout. You know, I got I
got people over there. So sodid you think you thought at first they
should pay for it? Right?Yeah? I did? Yeah I did.
I'm like, okay, well,y'all go ahead and take care of
it. You know, Yeah,they're not going to. But I know
that's you just got no. Butyou know what, the whole thing,

(01:50:48):
we get this call mark, howmany times do you think this time of
year? We get it all thefreaking time? But how would you say,
over the last five years, whatwe've had at least a dozen calls,
about more than a dozen, andnot just not just tail, but
either the car gets stolen, froma shop, or the car gets vandalized

(01:51:08):
or the cat gets stolen. Butit's all the exact same thing, right,
and unless that shop had anything contributory, you know, like did something.
I like how we're our numbers onspeed dial though. That's cool.
Yeah, she's funny. Just anFYI guys, Gina and I used to
be neighbors. Oh well you woman, tell Gina. I'm really, really,

(01:51:30):
really really sorry. Now, Don, what's going on? Don?
Don? Hey, Don, what'sgoing on? Well? Am I having
problems with a credit card? Okay, what's going on with it? Well,

(01:51:54):
it's been probably about a month anda half since we pre shoot the
bill, and I haven't wait aminute. A month and a half,
you didn't receive a bill, Sodo you keep track of that? That's
good? And so, uh didyou go online to check your statement?

(01:52:14):
No? I didn't go online,but I did make a call. I
knew the only person I can.I can't get a real person to talk
to. What kind of credit cardis? Can I say the word the
name? Yeah? Of course,Okay, it's a Master Shares MasterCard?
Okay, Now, do you haveonline access to that account? Most accounts

(01:52:35):
nowadays have online access do you haveaccess where you can go on and see
transactions and all of that. I'venever done that before. Well you know
you can go on even now.Do you have the numbers? Do you
have do you have any record ofthat account, of that credit card number?
And are you still have the creditcard? Right? I do have?

(01:52:56):
All right, So just go onlineand just open up an online account
and you put in your credit cardnumber and it will open up an account
for you. All of them haveit, and then you'll be able to
see any transactions and bills you have. But why did they Why did they
tell you that you're not getting abill? Well, they didn't tell me.

(01:53:16):
I just haven't received one, andwe've had the card since nineteen eighty
two. They probably owedged it topaperless. They switched him without telling anythink.
I don't know the rules on that. Honestly. I thought they had
to tell you, but I couldbe wrong. Hey tell me this,
tell me this. Uh. Dondo you ever call them for anything?

(01:53:42):
No? No, not very oftenat all. Well call the number on
your card and tell him you haven'treceived a statement. Well that's the number
that I called, and then Igot on the internet to look at But
what do wait? Wait, whenyou called, what did they tell you?
You get on a recording? You'retalking to somebody that's not really there.
They just get information. They getyour credit card number and that's it.

(01:54:04):
And you can't you can't be getany deeper. They just there's nobody
there to talk to. No,I mean, eventually though, there's a
representative. You can dial such andsuch for a representative, right, not
that I'm aware of. Well,I think you can. Don Honest to
god, I don't know of anycredit card companies that won't have customer service.

(01:54:25):
There's a number on the back ofyour card. You call the number
and you drill through to representative.And if they ask you for questions,
like you just you just this.All you keep saying is representative, representative
and here's that representative. Now.If that doesn't work, you go to
the Sears master card website. Okay, I don't know what it is.

(01:54:46):
But do you have an old statementand it'll be on your old statement.
Do you have one? Yeah?Good, go to your old statement.
Look up on the top somewhere there'sgoing to be a website. Okay,
go on that website and start anonline account. It doesn't matter. If
you start it now, it'll havea record of all your transactions when you
go on there. Then you goto the park that has the statements,

(01:55:09):
and there might be something clicked thatyou want online statements only, and you
have to unclick it and make itso you get paper statements. But here,
I'm gonna give you a clue.If you do get online access,
forget about your paper statements. Youdon't need them, really, but you're
gonna tell me. I'm gonna Ican hear in your voice just said when

(01:55:30):
you went. Really, it's likea baby giving up his toy. I
know, I know you're at thatage. Let me guess you're over you're
over sixty five, right? Ohyeah, how old are you? You
old fart? You shouldn't be usinga credit card? Grow up, Hey,
don listen man, I'm seventy.I'll tell you this online makes your

(01:55:55):
life easier. Just get just whenyou when you get used to it,
then you just go on and sayyourself up some auto payments to pay the
balance every month. But if youwant a paper statement, they certainly will
send them to you. Mark.I don't know of any companies that stop
sending the paper statements to you.A lot of them will force you into
it by saying, okay, ifyou want paper statements, we're going to

(01:56:15):
charge you another half interest point likeon a car loan. Yeah, you're
right, You're right, or theycharge a service fee, so don If
you have problems doing it, Ican help you off the air, but
try it first. Get go toyour old statement, find the website.
Go on there and see if youcan open up an account. Three o
three seven one three two five fiveGo with a sure thing Denver's Best roofer

(01:56:41):
Excel Roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free,no obligation. In comparison, call Compass
Insurance paying too much your coverage atdozens of insurance companies find out now three
all three seven to seven to onehelp. You'll think you're his only customer
when you choose Frank durand the realestate Man dot com to list your home

(01:57:03):
with Remax Alliance three oh three ninetwo zero sixteen twenty two. Hey,
I'm Tom Martino here. Three threeseven to one three talk three oh three
seven one three eight two five fiveK and H Home Solutions with us in
the house. By the way,you can get your calls in any time

(01:57:25):
if you want. But we're thinnedout right now after a lot of calls,
and uh, it's worth reminding peoplea few of these really quickly.
If you have if you have homeowner'sinsurance, okay, and they're asking you
to inspect your roof or they wantto come out and look at it.
Beware, they're dropping a lot ofroofs and they are allowed to do that

(01:57:49):
upon renewal. They can say we'renot going to renew you unless you replace
your roof. They're thinking, look, if you have an old roof,
forget this crap about waiting for astorm. You put on a new roof,
and you put on one that's goingto hold up better in hal and
yes they can do that. Someof them are dropping coverages all together,
all together. They're saying, we'renot covering roofs at all, or you're

(01:58:10):
gonna get a high deductible. Andthen when it comes to safeg safe Co
is not what it used to be. Safe Co used to be a good
company. I think they're going downhill. And I'll tell you why, Liberty
Mutual merge with them, right andLiberty Mutual is not a great company in
my opinion. So there you go. You got a combination there that's not

(01:58:30):
very good. And this one woman, Cynthia, claims they change your policy
without approval. You just can't dothat. But don't put a past insurance
companies to pull fast ones. AsI told you, they are the scum
of the earth. They are.It's the one industry where it's all negative.

(01:58:50):
There is not one thing positive aboutan insurance industry. I mean,
obviously the payouts are when you needthem. I'm talking about the way the
industry is run, all predicated ontaking premiums and not wanting to pay out
damages and for stockholders and for screwingthe little guy. That's in fact,

(01:59:10):
when it comes to health insurance,they're entirely predicated on taking over health insurance
and telling you what you need anddon't need, and what they're going to
pay for it, and how doctorsshould practice. They came into a perfectly
good system and just took it over. People think medical bills, medical expenses
went up because of greedy doctors andpharmaceutical companies and all of that. Well,

(01:59:35):
pharmaceutical companies a little bit, butmay doctors know doctors are actually getting
paid the same or less than theyhave in the past for the same procedures,
actually less than twenty and thirty andforty years ago when you adjust for
inflation. What health insurance did wasthey came in and said, Okay,
now we're going to charge premiums andmanage care. And it's like the mafia.

(01:59:59):
They it came in the middle ofthe provider and the patient and inserted
their charges in the middle. That'swhat they did. It's it's truly protection
money. It's it's like you didn'tneed them. Now, obviously we need
health insurance. I shouldn't say wedidn't need them. But there are so
many better models for health insurance thanthe model we have now, which is

(02:00:23):
trying to do a managed care andlow payouts. And they're trying to tell
doctors how to treat patients, andthey're capitating costs, meaning they're giving limits
per patient, per practice. Theyhave so many practices that are just uncalled
for, and they could make aton of money doing it the other way.

(02:00:44):
Kaiser's a great example of a bettersystem. Now you may not like
Kaiser or the doctors or the clinics, but the model it's a nonprofit model.
It's the only it's, in myopinion, the only way a health
insurance can work, because there shouldn'twith a profit incentive. If you automatically
have a d sent to it's notyou're not incentivized to give great health care.

(02:01:10):
It's the other way around. Andthen we had a woman who had
her car damaged at a shop withhal We're going to get this. A
lot people have their cars at placesand it gets held on and somehow feel
that place is responsible. Well,it was fine when I brought it here,
you know, and then it's sittingoutside and it gets held on.

(02:01:30):
In fact, if you have avalet service, we've had calls on this
where a valet will take the carand park it. It's there's a hailstorm,
they deliver the car back to afterdinner and now you figure, oh
my god, not only did Ihave a bad dinner and bad service,
now I have a car returned tome with hell damage. They're not responsible

(02:01:56):
for it. Nope, it justdoesn't happen that way. So knhe help
solutions. When we're talking about siding, we already talked about there's nothing new
under the sun or at least,I don't think there is coming down the
pike. I wish there was.And you said, James Hardy, the
cementuous, cementious or whateverwever they callit, that's kind of good. And

(02:02:20):
it's it's a what is it acementuous material mixed with wood. It's a
fiber cement. So it's there's alittle bit of wood fibers in there,
just to make it a little bitmore appliable. Now, so when you
hold it, can you snap it? You shouldn't be able to snap it

(02:02:43):
with your bare hand. It's prettyflexible. How thick are they? They
are about quarter three and a halfinches on the depth on the trim around
the window. So the trim isway thicker, well trim, But what
about the siding deciding itself is aboutan isn't that thick? Oh? I
didn't realize that. Yep. Okay. And then as far as windows were

(02:03:08):
talked about, alpen windows, prova windows. What else is there truly
for exteriors of homes that might getpeople excited? There's not much doors windows?
Well, okay, what I'm sayingis nothing new though really with doors,
right, I mean, there's noreal tech, new technology doors or
doors or doors, right, notnecessarily. I mean the reason we work

(02:03:30):
with pro va doors is they're definitelymade a lot better. They'll last a
lot longer. When you how doyou make a door different? You can
make a door different by, likeyou said, the insulation, well,
yeah, I can see that itis, and then the thickness of the
of the door itself, the steeldoor. Correct. Now, they used
to have a really big problem withsouthern facing steel doors burning the crap out

(02:03:55):
of people. I mean really,this was a real problem, like kids
would get third degree burns, turnsfirstgree burns. But what happens now?
I mean is it the color?Do you make them more reflective? Is
there any technology involved in this,any ceramic paints that can cut down on
the temperature build up? There is? But if you're south facing, no

(02:04:15):
overhang, and you want a blackdoor and it's steel, I would not
recommend it. No, No,you can want you want to go to
fiberglass at that point. Okay,so fiberglass is not as sensitive to heat
at all. Correct, So theywait a minute, I didn't they make
an exterior door for fiberglass? Correct? Insulated? Yep, that looks like
wood. You can either get it. Why would you always get that?

(02:04:38):
Why would you ever get a metaldoor? Tell me that what's the difference.
It just depends on what you're lookingfor. With With fiberglass, you're
going to have the doors that looklike wood without actually being wood. I
know, and that sounds like agood We sell more fiberglass doors than we
do steel doors now, and it'sreally switched. We used to be a
ton of steel doors and now becausebut they look I imagine they look really

(02:05:01):
good because fiberglass can mimic almost anysurface correct, So you can get a
dark, rich wood look on that. Oh yeah, they have grains too.
You have furs and cedars and maplesand cherries and full body alders.
You have naughty stuff too. You'dhave to get really up close to see
that it's not. I'll tell youa story. We were installing a door.

(02:05:24):
I was with Sarren, who's oneof our door meets. We're installers.
Guy across the street yelled at usfrom across the street. We couldn't
hear him. He came closer.He said, that looks amazing. That
wood is fantastic, and we said, no, it's fiberglass. Wow.
He said, I'm a I workwith wood, and he had to come
up close touch it and feel it, and then he realized it was fiberglass.
Does it actually have a texture onthe on the surface too, Yeah,
and the naughty alder has the knotsin it. Oh, come on,

(02:05:46):
man, really that's pretty cool,I said, I didn't realize that
I would never get steel. Andknowing that I would never get steel,
because you get it insulated, it'snot hot or cold, and it's it's
firm as hell. Hail resistant.Wouldn't it be hail resistant? Yeah?
They use a lot thicker fiberglass.And then what about you can get lights

(02:06:08):
in them windows? Yep? Prettymuch any size window you can get,
you know, half circles. Circlesnow are the entire frames and everything like
the side lights and all that madefrom fiberglass. Yep, anywhere. But
and it's virtually maintenance free, isn'tit. It is virtually maintenance free?
Yeah. Do they come pre painted, you pre stained for the fiberglass.

(02:06:30):
Now, when you say pre stained, meaning the color of stain, it's
not actually stained, right, itis stained, and then it's baked on
almost in a kiln. Wow,man, I honest to goodness, I
didn't realize that they had come thatfar with fiberglass exterior and pro Via specifically,
fiberglass doors are the ones that lookextremely realistic. So not only you're
getting an energy efficient product, butthe esthetics of it is second to none.

(02:06:55):
Because I have a wood door,I can't keep a finish on it.
Now Steve the painter is going tobe doing it again, and he
says in Colorado and I am southfacing. Yeah, it's terrible. Yeah,
these Prova doors really, they theylast. And if you're going to
go buy a fiberglass door at oneof the box stores, it's it's not
gonna last. But when you havea Prova product, absolutely well. All

(02:07:15):
right, people give us a callthree oh three seven one three talk seven
one three eighty five. Go witha sure thing Denver's best roofer Excel roofing
dot com. You don't pay acent until you're content. Wait 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

(02:07:40):
all three seven seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. Hi Tom Martine

(02:08:03):
three oh three seven one three talkseven one three eight two five five.
Steve the Painter's on we were talkingabout wood. Oh my god, is
wood a pain in the ass?Steve the Painter, What do you have
to say about us, sir,Well, I'd have to say that.
You know, back Gets had meup fifteen twenty years ago. They did

(02:08:24):
come out with fiberglass front doors,and they were the best doors I think
I've ever seen. They don't warp. Uh, they're easy. That's what
he's talking about. Say that again, he's talking about fiberglass front doors.
Yeah, well they talked about fiberglassfront I didn't know that. Are he
talking about front front doors or overheaddoors? No, he's talking about front

(02:08:45):
doors, front entry cars. Thoseare the greatest things ever. I mean,
they're easy to work with. Now, your front door you have to
have perfect conditions even to refinish it. You can't be too hot, i
can't have no moisture. All thesevariables got to I'm into effect. So
but your heads up. You werethinking about doing your front door possibly next

(02:09:05):
week if that works for you.Yeah, yeah, and I'll give you
the code for that if I'm notthere, but I'm usually there during the
show. But you know, Stevelisten man, you even said, no
matter how you do it, it'llhave to be redone how often with your
door face in that west right there? And you don't really have a lot
of stuff. I think faces maybeevery four years or something. I mean,

(02:09:26):
but look at the bottom panels.Well that would be good. But
I'll tell you it's it's really reallyamazing what sun can do to the finish
of a home. Now. Dothey make some really they must make some
really good paints right now, don'tthey? That resists that kind of deterioration,
Steve, It's really not paint moreof a polyurysane. Yeah, I'm

(02:09:48):
talking about now for siding and stuffor whatever. I don't even know what
you do paint nowadays on the outsideof a house. When you go to
paint a house, what are theymade of? Right now? I'm serious?
What are what are you mostly seeing? We're mostly seeing exterior? Well,
you can go to Sherean Williams,you know, but what what are
you painting over? What are youpainting over other than the trend? We're

(02:10:09):
painting over hardyboards. We're just pickedup a job doing hardboard siding, so
we'll be doing that here in anotherfew weeks. And you just paint a
nextterior, good quality exterior statin paint. Don't use flat paint. It will
not hold up. Bat and paintbeats off the water and it'll last you
twice as long. And how longwill a paint job last in Colorado if

(02:10:31):
you do it really right? Well, I don't know. I have jobs
going on close to ten years.Really, that's a that's incredible, recommended
every seven, you know, sevenyears or so, because it really depends
on where you live too and cutaround or if you live up in the
hills, oh yeah, you're you'rein a sep. I always seven years
out of it. I always meantto ask you this. You know,

(02:10:52):
My Stephanie's dad was a bricklayer andmason guy, and he and he invented
or perfected lightweight concrete for our chitecturaldesign and all that. He was really
big into stone and concrete and brick, and he used to have a CONNIPTIONI
literally when he saw people painting brickand Stephanie's she still does. She goes,
Oh my god, why why wouldyou take a maintenance free surface?

(02:11:15):
Now I'm going to ask you.Have you ever had the paint? Have
you ever had people I want youto paint their brick? Yes, and
it's very expensive. Why it absorbsthe hell it keeps sucks? It sucks
in paint, doesn't it. Ohyeah, you have to. It almost
happen to use a block pillar inorder to prime it, and then you
roll two coats over the top ofthat. That's why you can get it.
But does it hold paint? Isit a I mean, it seems

(02:11:39):
to me you're ruining it to beginwith. But does it hold paint?
Does it hold up better than somethingelse you would paint? Oh yeah,
you'll hold up just fine. It'sjust that you lose the whole brick aspect.
Yeah, of course. And Ilike the I just like the brick
aspect. Leave it alone. You'llnever have to worry about your power.
Wash it and you're done. Nowwe were talking about stucco, and I
know Mark over at Genesis Total Experience, he talks about the top coat the

(02:12:05):
hard coat having color built in it. But I imagine you have to go
repaint stucco from time to time aftersome years. Is that only if they
want to change the color or haveyou seen stucco need paint? No,
repainted a house in golden and itmeant the same color. But you use
a special paint for stuccle. Youhave to tell the people at the paint

(02:12:26):
store you're using this un stucco.And what's different about the paint for stucco.
It has more vehicle to it,It has a lot more bonding units
to it. So what happens tothe original stucco if the hard coat has
paint built in? Does it leachout? Does it fade? What does
it do? Over time? Itwill fade? Yeah, because the way
they do it with stucco is thatyou know, you got the stucco,

(02:12:50):
but they had they add a pigmentto it. So you you get your
stucco, they had pigment to it. They mix it in a big mixer
and then they trial it on.There's your color you need. But okay,
time it will face. Okay.So as far as uh, the
the stucco itself, though it's prettyhardy, and it takes paint very well.

(02:13:13):
Oh yeah, oh yeah, you'llhold up forever long as long as
is that that newer stucco. Imean, even even it's hail won't even
damage that. Now, is thereanything that you can do for people that
want to change the color of windows, like if it's a vinyl window,
No, nothing that I saw.Nothing really holds up, does it.
But fiberglass holds paint pretty well,doesn't it. Yes, yeah, you

(02:13:37):
could prime it. You prime itwith again a special primer, then you
could do that. But any vinylwindow, Uh, come, if you
remember right years ago you had alady in Highlands Ranch that the guy went
out there whether he say you're you'resomething about a dog chasing a dog bone
or something. Oh yeah, yeah, I remember that guy. Yes,

(02:13:58):
yeah, yeah, that guy.His name was Kaylin and he yeah,
I know, it was a longstory, but anyway she called it.
Anyway, his paint or painted thevibal windows. It was already pilling off
before they even finished the job.Yeah, it doesn't work. Now.
Somebody just texted me knowing you're onthe on the phone here. They they
want to know what paints or colorschalk now people, we've mentioned that at

(02:14:24):
least three times today's show. Chalkingis where you get this powdery look on
the outside and you can almost whenyou put your finger on it, you
can it is almost like a chalk. What causes that? Are there paints
that are there cheaper paints or differentcolor paints that will chalk no almost any
pain to do it, but certaincolors because the pigment will do it quicker,

(02:14:46):
like greens, blues, yellows,burgundy colors. Those colors fade very
fast and they overtime they chalk.And what it's killing you is that you're
ready for another paint. Jo Andwhat is talking really is it? Is
it a deterioration of the outer coat. Yes, it's starting to fail.
And once it goes beyond that,then it starts going into the siding.

(02:15:09):
It starts the siding starts really deteriorating. Then it gets into the top layer
of the siding. And now youhave a serious problem because now you're not
only painting, but you have sightingreplacement. Someone else wants to know about
a fence they have that's iron andthey want to uh redo it? Now

(02:15:30):
does that have to be done?There was what kind of paint takes to
iron. Now they have it's almostmaterials now come out waterborn. It's a
water born product. Back in theday they used to use oils and now
because of EPA they've gone to awater borne unit and it's it's a polyure
thing. Is it good? Andoh yeah we did it. We did

(02:15:52):
a commercial building in Aurora, allthese iron handrails and columns. Yeah.
And to this day, that wasten years ago and this still looks good.
Wow, I was amazed. Youwash a brush up with water.
That's all it is. Okay,Steve Star Quality Painting. Give out your
numbers since you're on go ahead,oh office phone number three oh three nine

(02:16:13):
four eight eight seven six y fivestar Quality. They're on our referral list
at referrals dot com. More withKNH after this, go with a sure
thing Denver's Best roofer Excel Roofing dotcom. You don't pay a cent until
you're content. Time for an insurancecheck up free, no obligation comparison call

(02:16:35):
Compass Insurance pain too much your coverageat dozens of insurance companies find out now
three oh three seven seven to onehelp. You'll think you're his only customer
when you choose Frank durand the realestate man dot Com to list your home
with Remax Alliance three oh three ninetwo zero sixteen twenty two. Hi Tom

(02:16:56):
Martine here THREEO three on three Talkthree oh three seven one three eight two
five five. Welcome to the show. By the way, I also wanted
to mention that Michael mentioned during thebreak and K and H does do bathrooms
now? Are you guys going todo more and more interior stuff? Are
you going to stick to the exteriorsand just bathrooms are just one of the

(02:17:20):
things you're doing? Or what areyou what are your plans? You know,
I don't know for sure. Imean we're we're the experts at the
exterior of the house, and wetook on the wet area, so the
bathroom, the tub this year.Yeah. As far as the plans for
more interior stuff, I'm not sureif that's on the plate, But exterior
is more. Do you still doDo you guys still do screens? You

(02:17:41):
used to do a lot of that. We will rescreen windows, especially if
you bought them from us. Yeah, yeah, absolutely, you could bring
them into the office, we'll rescreenthem, or we can send our guys
out there to rescreen. Somebody elsetexted me asking about what they call a
vanishing screen door. I say,get rid of it. Their pieces a
junk, that's my opinion. Butthose roll up verticals are they still even

(02:18:03):
around? They're here and there,but they are They fall apart really quickly,
they really do. They just don'thold up, and dust and debris
gets in that screen and when youroll it up, it gets into the
mechanism. I've never I mean theidea at first it was really like a
wow, you know, like thetoothpaste pump, but it just didn't stick
around. Pro Via used to carryone and they stopped carrying it because they

(02:18:26):
had issues with it exactly. Imean, it's okay. And then sliding
glass doors, can they be replacedeasily for more of a French door?
Do you have just like can youlike just just replace it or does you
have to do a lot of modification? No, you can absolutely replace a
sliding patio door with the French orvice versa. The size. Any aren't

(02:18:50):
sliding doors more old hat or peoplelove them? So people still like them.
They're more energy efficient and they createmore of a space in your house.
When you have a friend store.If it's all you're in, you're
gonna lose a little bit of spaceall right by the way. When they're
not here, you can go tocach Windows dot com three oh three,
four to one seventy one hundred andremember I'm at three oh three Martino twenty

(02:19:13):
four to seven. Leave a messageand we will get back to three oh
three six two seven eight four sixtysix. Save all your problems for me.