The Troubleshooter 12-01-25

Episode Transcript

Speaker 1 (00:00):
Yeah, news, you neat advice, you don't have.

Speaker 2 (00:12):
Come run into sass. A cam shooter is gonna help
coming Man.

Speaker 3 (00:19):
Dix is the Troubleshooter Show. Now Tom Martino, Hey.

Speaker 4 (00:25):
Tom Martino here, Welcome to the show. Three oh three
seven one three talk seven one three eight two five five.
Oh my goodness. Many people had a very long weekend.
Some people had a long week some people. For some people,
Thanksgiving is their primary holiday. They actually talk about it

(00:46):
with more fondness than Christmas and New Year's whatever it
is in your life. This is the period of the
year where we do a lot of things. First, we reflect.
We reflect because we're at the end of the year
year and beginning a new one. So we reflect on
the past year, wonder what the new year will bring,

(01:06):
and a lot of us do a lot of planning
and a lot of thought, a lot of thought, Like
you think about what you're thankful for, you think about
what you hope for, and uh, of course, as you
get older, the things you hope for become less because
you're trying to just be comfortable in the life you've made.

(01:28):
That's what we try to do. We try to help
you in all stages of Life three oh three Martino
three oh three six two seven eight four six six
or three oh three seven one three Talk three oh
three seven one three eight two five five Major, Mark Major, Welcome.
Are you there? Me? So, what's up? Bro? You tell me?

(01:50):
You tell me? Not money man? Get Did you have
like sixty people? Did you have sixty people at your house? God?

Speaker 5 (01:57):
No, we had twenty five.

Speaker 4 (01:59):
Oh I thought you had. Okay. By the way, the
insane people are asking about the studio cam. I am
streaming right now, and you'll see a very handsome man
to my right, Bob Logan. He's always looking like you
step out of GQ.

Speaker 5 (02:11):
Then I'll go, yeah, one hundred bucks. You's got a
suit on, or at least a suit jacket, a suit
and tie.

Speaker 4 (02:16):
He's always looking dapper. And then we have Deputy D.
No comment on his appearance. Deputy D is over there,
but he always smells good. Pretty on the studio. I'm
going to bring up the studio cam. Rather than telling you,
I'm just going to do it. Rather than just trying
to explain to people what's going on, I'm just bringing
up the studio side by side shot with with Cassas Studio.

(02:40):
That's here, we got to come up with a Martino
studio name and a major studio name, and Teresa first
you what's going on with you? Teresa, Welcome to the show.
I'm Tom Martino. By the way, give us calls anything
or call three h three Martino at any time twenty
four to seven if you're listening to a podcast, and
we'll get you on the next show. Teresa, what's going

(03:01):
on with you?

Speaker 6 (03:02):
Good morning?

Speaker 7 (03:03):
Thank you for taking my call.

Speaker 4 (03:05):
What's happening, Teresa?

Speaker 8 (03:09):
Well, and my dad.

Speaker 7 (03:10):
Not too much going on today. But I I'm actually
having some drama with a company called you Surge. Actually
I purchased into a program that was like twenty three
thousand dollars, which is kind of ridiculous in the first place,
but I saw the benefit in the software program that
is meant to help you find property to buy, invest in,

(03:37):
et cetera, et cetera.

Speaker 4 (03:38):
Okay, And what is the name did you say? Did
you say you Surge?

Speaker 7 (03:43):
Yes, sir, it's just the U and then s e
rge surge s er or s u.

Speaker 4 (03:51):
R s er g Okay, got it? Okay. So it's
a play on the word surge, I imagine, And it
was twenty three brand, twenty three grand for software.

Speaker 7 (04:04):
So also you're purchasing into quote unquote a Facebook group
like community, so a community of people that will help
you get funding or will invest with you into.

Speaker 4 (04:16):
Man, I'll tell you what, they had a good sales job,
and you spend twenty three grand on this. By the way,
people I've always contended this, people are willing. They're willing
to spend if they think they'll make money, They're willing
to spend. And you know, obviously you spent twenty three

(04:36):
grand because you thought you'd get something out of it.
What did you think before you tell me your story?
What did you think you would get out of it?

Speaker 8 (04:46):
Well?

Speaker 7 (04:46):
I thought, by I mean if you're in a community
of people that are buying and investing and like sharing
information about how to do this. In the first place,
I thought the community would be a good I thought
that the software actually.

Speaker 4 (05:03):
Give you twenty one thousand. Twenty three thousand is a
lot of money. Did they break down what the twenty
three grand was all about, like what where it went?
Or was it just a flat fee twenty three thousand?

Speaker 7 (05:18):
So it was twenty two five And then I used
their their copper rock a company that helps you, like
pick up credit cards to pay off the rest of it. God,
so the rest of it went to that. So the
problem I'm actually having is they only they only use Chrome,

(05:43):
So I've already been hacked to the point where they
got into my bank account, so I won't use Chrome.

Speaker 6 (05:48):
I used Duck dutgo.

Speaker 7 (05:50):
But now they're trying they're giving me the run around
about getting my money back.

Speaker 4 (05:56):
Well, uh, okay, first and foremost, this twenty three grand
you want back because you don't want to use Chrome?
Is that the bottom line?

Speaker 7 (06:06):
It's not just that they've got classes that we have
to go to, and currently the classes they're setting me
up for is in Colorado and I'm moving in a
week and to Tennessee where there are no classes, so
I won't even be able to utilize You shouldn't we
looked into all this before you drop that kind of thing.

Speaker 4 (06:22):
Oh, thank you, Mark. Yeah, that's a good No, that's
really that's a really good question. You know kind of
didn't you kind of figure that out beforehand or what like,
like did you know you were moving? No?

Speaker 6 (06:39):
I didn't know I was moving. Number one was moving,
And they don't give you time to think about it.
It's like sign up today.

Speaker 4 (06:46):
How much actual cash are you out of pocket? How
much actual cash?

Speaker 7 (06:52):
So I took eleven thousand from my four oh one k?

Speaker 4 (06:56):
And oh my god, oh my god, oh my god,
you took eleven thousand from your four to one k,
God almighty. I mean, I have a feeling. This is
a terrible feeling, Teresa. But these guys are these guys
are online, I mean, and they're like probably, I mean,

(07:19):
who the hell knows where they are? Where have you
been able to call or talk to anybody? You know?
Feel free to talk anytime? Everything's on? D wants it?
Did you want to say something? D God?

Speaker 5 (07:31):
Did you mean it?

Speaker 4 (07:32):
Not?

Speaker 8 (07:32):
You?

Speaker 4 (07:32):
Surge? But surge you.

Speaker 7 (07:36):
So surg you so what they call trade surge, what
they call real estate surge, what they call yes so yes, sir.

Speaker 4 (07:44):
It's all part of surge here.

Speaker 9 (07:45):
So so Tom, I've been looking at it.

Speaker 4 (07:48):
Like a university guy.

Speaker 9 (07:49):
Surge you It's it's something seriously different. It's like a
quasi religious organization. Who's say this, real leaders, real faith,
real results. Our team includes top Christian leaders, national Eric
and I speakers, blah blah blah, and resources to influence
for Kingdom Impact. Okay, And I'm looking at the videos
and Tom, it's like one of those you know, mega

(08:11):
churches with this huge flnishing light based education.

Speaker 4 (08:14):
It says faith based education and multiply your income.

Speaker 9 (08:18):
Yeah, and people are like jumping up and waving their
arms and dancing around in front of their south.

Speaker 4 (08:24):
Oh my. It's it's definitely like a.

Speaker 9 (08:26):
Very immersive religious experience.

Speaker 4 (08:29):
So this is more than I know what.

Speaker 6 (08:33):
He was.

Speaker 4 (08:36):
Yeah, this was like, did you go to some kind
of a rally.

Speaker 7 (08:42):
It was a convention.

Speaker 4 (08:44):
Yeah, it's a rally and that's how you signed up.
Then how did you find out about this convention.

Speaker 7 (08:51):
Online? It came across my socials can teble talking about
I had to come home for my come home for
that phone.

Speaker 4 (09:02):
Oh my god.

Speaker 7 (09:04):
Yeah, So they didn't.

Speaker 9 (09:06):
They didn't.

Speaker 7 (09:07):
They like popped it up like here, here's an offer,
and they offered us a.

Speaker 6 (09:12):
Class to go to.

Speaker 7 (09:13):
That was the real estate class. So I went to
the real estate class and that's where they pop you with, oh,
you know, buying to this today. But they don't give
you like time.

Speaker 6 (09:24):
To research or think about it. It's mostly like.

Speaker 7 (09:28):
You know, here's a here's a software program that's going
to give you the ability to It's amazing. It gives
you the ability to break down into ZIP code even
if it's not in your state anywhere in the United States.

Speaker 4 (09:43):
Yeah, listen. The bottom line is I mean, this thing
is like a scam in my opinion. Was Tim Tebow
actually there and was he telling people to sign up
for this? Yes, it's too bad. It really is too bad.

Speaker 7 (09:58):
Honesty, goodness, Robertson's and Terrell Davis.

Speaker 4 (10:06):
Teresa, we got to look into this. Do you have
a phone number? Is there anyone you can actually talk to?
Maybe we can feel to them to just give your
money back. I don't know. I love that.

Speaker 7 (10:18):
So there's a guy that I have been in communication with.
But what he does is I talked to him once
and he's like, oh, yeah, I'll give you six.

Speaker 6 (10:28):
Thousand dollars back, and we want you to stay in
the community. That will give you the money to be
able to move. I was like, okay.

Speaker 7 (10:34):
So at first I thought, okay, that'll give me some
money back to be able to do the move. Well,
then he ghosted me for a week.

Speaker 4 (10:41):
So I tried, okay, listen, why don't why don't we
let me listen. Let me give this to Deputy d
real quick. I want to get a phone number and
whoever you've been talking to, or any contact we can get,
just to see if they'll undo this stand thing. You know, Tom,
I would love that. Yes, Bob Logan, we're assuming the

(11:02):
club line services.

Speaker 10 (11:03):
We're assuming this is some kind of scam, just based
off what she's experiencing right now.

Speaker 4 (11:08):
And uh, yeah, I mean it sounds like a scam.

Speaker 10 (11:11):
There are tens of thousands of dollars on training sessions, yes,
from my employees right company, every single year, tens of thousands.
And uh and there's always people in those classes that
say it doesn't work because they don't apply.

Speaker 4 (11:26):
What you're saying is it could be a legit program,
a program we don't know. Yeah, you're right, You're right,
it could be.

Speaker 11 (11:35):
And look, I mean, you know as well as anybody,
And we talked about this last time. I show you
you can preach till you're blue in the face, and
people don't listen. You know, people don't listen, and if
they listen, they wouldn't make the mistakes that they call about.

Speaker 4 (11:53):
Yeah, yeah, Teresa, do you have anything in writing at all?

Speaker 7 (11:59):
In writing?

Speaker 4 (12:00):
Saying what what you get for your money? A contract?
Because I would like to know if there's a contract
saying there's no refunds. See hold on a second. Just
get us a phone number and a contact and let's
let Deputy D dig into this. Listen, you know, Bob,

(12:22):
I understand what Bob's saying. We don't know if it's
a scam. We don't know what's going on. I'm always
hesitant of people selling these programs, you know, the get
rich programs I call them. They're not always get rich quick.
Sometimes they're get rich over time or get rich. But
always ask yourself this, no matter who you're listening to,

(12:43):
I don't care if they're here on the show, on
the referral list, on the internet, on Facebook. You always
ask a couple questions. Number one, what am I getting?
What am I actually getting? And how much am I
paying for it? What am I getting and how much
am I paying? And what can I do with what

(13:04):
I am getting? You know, get concrete answers. Then the
other question, could I get better for the same money?
Elsewhere Can I get better? And the answer is always possibly,
depending on your stage of life. We got a lot
more to talk about I got to take this break.
I'm Tom Martino three O three seven to one three

(13:27):
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(13:50):
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(14:15):
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oh three nine two zero sixteen twenty two. Hi Tom

(14:45):
Martino here. Okay, So Deputy d is gonna call on
this surge to find out what's going on. You know,
I'm not gonna stick up for anything. I'm not gonna
down anything. And I think Bob's right, you can't call
things a scam. By the way, Bob is none to
it whatsoever. But it really is important before we start
using the word scam to know what's going on. And

(15:07):
I will tell you this. I especially get weird personally
when people, how do I put this, when they use
faith to base up. Now, by the way, I am
a faith based person. I live my life that way. Now,

(15:27):
I don't talk about it all the time, and I
don't use that as a selling point. But what I
mean is I say, you have an awesome responsibility. If
you make something faith based, you have an awesome responsibility.
To me, it's the highest level of obligation if you
talk about faith. And that's why I cringe a little

(15:52):
when people say it's faith based, or it's this or
it's that. Not because I don't believe in people having
a faith based operation. I mean, I think we all
need a higher power or something to guide ourselves. And look,
I don't want to get into that right now, but
what I'm saying is this, but I do feel just

(16:12):
like with with any kind of credential, it brings a
level of responsibility. What do I mean by that, Well,
if you have a credential, as like I recently became
over these few years, this registered investment advisor representative for

(16:32):
Waveight Wealth Management, that came along with it responsibility. The
state says if you're going to do this, and the
SEC says, if you're going to do this, you have
to go by these guidelines and we're going to make
sure you do. And that's to protect people. With faith
based organizations, there is no well, there is an ultimate authority,

(16:55):
but we don't get to hear from the ultimate authority
on immediate feedback, like we're not struck down, do we
do something wrong? But what I'm getting at is this
faith based operations. If you're going to use faith, you
have an awesome responsibility in my mind, and faith doesn't

(17:15):
necessarily mean good. I mean, I mean you could have
a faith that you could believe that you are destined
to be rich and everyone else at everyone else's expense.
I mean, it depends on what your faith is, right,
So it just gets into a weird set of circumstances.
So when I heard about this and she said Tim

(17:37):
Tebow was there. Tim Tebow, I have no reasonablieve he's
not anything but sincere. But a lot of people get
roped into things, and I don't think they understand what
they're being roped into. But in any case, we're gonna
have Deputy d call over there to see if we
can get a refund for this time.

Speaker 12 (17:54):
Yes, I have a comment for Teresa. Yes, you should
just email and I'll email him too. Terrell Davis has
an email. She should ask him direct. Where is there
twenty three thousand dollars?

Speaker 5 (18:08):
Yeah, well if he gets paid to show up? Right here,
This is where we all get absurd. If people are
getting paid to show up to put on a presentation,
they sell out a certain number of seats. That's how
it works. It's like an airline. They sell seats. So
what would you Why do people think like Tim Tebow
or any of these people aren't going to get paid.

(18:29):
They get paid to show up and give a speech.
This riding company sold her a package to learn from.

Speaker 12 (18:35):
It Okay, I thought Mark did Terrell Davis was a
part of this founder.

Speaker 4 (18:39):
Well, we don't know, we don't know, we don't know.

Speaker 13 (18:42):
I would guess he's a paid speaker, but.

Speaker 5 (18:44):
I'm not sure.

Speaker 4 (18:45):
Jennifer, what's going on with you? Jennifer, Welcome to the show.
I'm Tom Martine with Mark Major. What's going on?

Speaker 6 (18:52):
Good morning, Tom? Hey, Well, I kind of had a
long term client. I have a business as a personal assistant,
and she was my friend first and then became my
client and I helped her with many different activities, went
in her house and and then about four years ago

(19:14):
she was hit by a car on her bicycle and
got a traumatic green injury. And over the years I've
continued to help her and in her life with situations
and around her house.

Speaker 4 (19:28):
And okay, like that, and you're a good friend. You're
a good friend. So what's going on?

Speaker 6 (19:35):
Then? Also a client? She does pay me for my services.

Speaker 4 (19:38):
So and what kind of a client? What kind of
a client? Are you an attorney or what are you?

Speaker 6 (19:43):
No, I'm a personal I have a business called I
go for you all the things you need done and
don't have time to do on her personal assistance. Oh, okay,
And so you know, I clean her house. I ripped
up carpeting and replaced it. I've helped her pack and
she I get it.

Speaker 4 (20:01):
She's got a traumatic brain injury.

Speaker 6 (20:05):
Yeah, she suffered a traumatic brain injury.

Speaker 5 (20:07):
What does her family think of all?

Speaker 4 (20:08):
This? Is her family over her estate?

Speaker 5 (20:10):
Or I mean, how bad's her brain injury?

Speaker 6 (20:14):
You know, it's it's declining over the years, but she's
still So her family's on the East Coast and they
have power, have set up powers of attorney medically.

Speaker 4 (20:27):
And by the way, Jennifer, I like the idea of
this business. You have the idea of it. We can
talk about separately of being a personal assistant kind of
like you formalize it into a little business here and
you can have many clients. But anyway, I digress. Let's
go to this. You're calling for your friend. Well, can

(20:48):
we have a first name? So yeah, Debbie, Debbie, Okay,
So what's going on? What are you calling about?

Speaker 14 (20:58):
So?

Speaker 6 (21:00):
My client has used myself. So in August, So in
August she fell and book her arm And so I
had told her family, who's on East Coast, that if
she never came to where she needed live in care
or live in you know, companionship, I would be available,
but they never have reached out. So I asked her.
After she broke her arm, she called me and said,
I'm in the hospital. Can you come get me? And

(21:22):
I did all that to care of her dog in
So I moved in in August, and she actually started
getting better because she was drinking heavily and she completely stopped.
She started getting home cooked meals. She was ordering restaurant
food for years.

Speaker 4 (21:36):
Can you do a contract with her when you moved
in for personal assistant? Like at another level, just verbally.

Speaker 6 (21:44):
I mean, we just we trust each other, we know
we okay, she she just I.

Speaker 5 (21:50):
Bet the family didn't like that. Is that where this
is going?

Speaker 6 (21:54):
And yeah, I went out of town and they came
and took her phone from her, so she could not.

Speaker 4 (22:00):
Okay, here's what I think, And I gotta, I gotta.
We'll come back and talk about this. But here's what
I think is happening. I think they see this person
named Jennifer moving in and they're afraid they're taking that
you're taking advantage of her or something, and let's talk
about it. Or maybe I'm all wet and it's something
totally different. But hang on, Jennifer, I want to continue

(22:21):
this and see what we can do to help you.
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(22:43):
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(23:08):
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(23:33):
Martino here with Bob Logan from Plumbline Services. We haven't
gotten to him yet, but I got a lot to
talk about. And then we got Deputy d in the
house and the Major, Mark Major, my partner in crime
at the main studio. Mark, who do you have there
with you? By the way, Deputy boq on a, he's

(23:54):
got a good update on that hotel.

Speaker 5 (23:56):
We'll go to you here soon. You weren't around, but
these people called in no war, no water at a hotel.

Speaker 4 (24:02):
Oh he went over there. We'll talk about that. Jennifer, listen.
I think what happened is when you moved in this
family saying, oh wait a minute, this person's moving in
for the kill. I have a few basic questions before
you continue your story. Jennifer, is your friend Debbie worth
anything as far as money?

Speaker 6 (24:20):
A lot?

Speaker 4 (24:22):
Okay, that is what the family's probably thinking. Oh, okay,
we got a problem here, right, yeah? Yes, now did
Debbie again? Just some really basic questions. Did Debbie make
any changes to her wills or trust or anything like that.

Speaker 6 (24:42):
After I went You know, she actually did that when
I was last year when with her family they did
update her will last year with her family?

Speaker 4 (24:50):
And were you were you put in there? Were you
put in there at all?

Speaker 6 (24:54):
Yes? I was?

Speaker 4 (24:58):
And how were you put in there? Jennifer as opposed
to not being in there at all? How are you inserted?
Like it's weird because you're working for her and then
you're in her will? So how did they put you
in the will? Or how did you say the family
was there? Did the family object to you being put
in the will?

Speaker 6 (25:19):
They told me that they did not object to me
being put in the will, that if I could, you know,
help their sisters live longer, that they would be glad
for me to share. And what she she had originated?
That she what she wanted to leave for me. She
has no family, she had no husband and no children.

Speaker 4 (25:39):
How much is she worth? About if you look at
all of her assets and subtract her liabilities, what would
she fall into the the one million, five million, ten million?

Speaker 6 (25:49):
Where would she be closer to that third range that
you mentioned to get ten million?

Speaker 4 (25:55):
Okay? So how much is she?

Speaker 10 (25:58):
No?

Speaker 4 (25:58):
I get it. And since we're dealing in anonymity here,
we can talk about this. How much were you going
to be left?

Speaker 6 (26:07):
Just her condo? Which was about eight hundreds thousand.

Speaker 4 (26:11):
Okay, now do you feel that now? Now continue your story.
So as soon as you moved in, not as soon
as you moved in, but shortly after you moved in,
the family comes and does. And by the way, how
old is Debbie?

Speaker 6 (26:25):
Sixty years old?

Speaker 4 (26:26):
Years old? Only sixty? Okay, go ahead, continue your story.

Speaker 6 (26:32):
So then I had I had some business out of
town shortly after I moved in with her, trummed in August,
and I had to have some business in October. And
the first thing that happened was before I left, well
my trip, I asked her to pay me for the
two weeks that I had worked, just to clear the

(26:54):
books before I left. She tried to send me a
payment through thel and it did not go through. But
you know, she said, it looks like it's going to
come in a few days. I said, no problem, you know, we'll.

Speaker 15 (27:04):
Work it out.

Speaker 6 (27:05):
Then when I was gone, I just had some weird
communication come through and it wasn't her. And the dog
walker first of all texted me and said, was lovely
supposed to get any company because she's not in her house.
I came to walk the dog and she's not here.
I said, well, I don't think anybody. She didn't say

(27:27):
anybody coming, and I asked, and she said nobody was coming.
So I tried to find out where she was and
what happened to her. And that's a whole another tangent.
But I got a message, supposedly from my client saying
that her brother had come and taken her to get
her arm remapped, which didn't make any sense to me
because I had just said, okay.

Speaker 4 (27:48):
By the way, the family, I was just going to
ask you the family involved with her, who are they?
Are they also wealthy or are they hoping to suck
off of her? I hate to put it in that
those terms, but let's just get right down to it.
What kind of family are they? Are they siblings? Are
they kids? Are they grandkids? What tell me about her?

(28:11):
Tell me about Debbie's family?

Speaker 6 (28:14):
Just siblings, siblings. One is a full blood brother and
the others are steps our brother and sister. But they
grew up and they.

Speaker 16 (28:24):
Were very young.

Speaker 4 (28:25):
So Debbie's three siblings, Debbie's Debbie's three siblings are having
are having suspicions about you? Right? Is that how you
would put it?

Speaker 6 (28:36):
That's correct?

Speaker 4 (28:39):
Okay, Well, can't they just straight out talk to you.
I mean, and and Jennifer. Debbie's not in excuse me,
Debbie's not like incoherent, right, She's still about. She still
has her wits and all that. She's not.

Speaker 6 (28:54):
Yes, she can like if you don't really if you're
not really friendly to our close off, she won't talk
a lot, but with me because I have an established relation.

Speaker 4 (29:05):
Okay, So what does she tell the siblings? Can she
tell the siblings back off? Jennifer's my buddy? I mean,
what what tell me? What is Debbie's part in all
of this?

Speaker 6 (29:16):
I don't I don't know. She she does not communicate
well with them because she stills, I think not.

Speaker 4 (29:23):
Okay, really, wait, don't they have.

Speaker 13 (29:25):
Control over her?

Speaker 6 (29:28):
They do, okay, increase that they get, But.

Speaker 4 (29:31):
Why do they if she is sixty? Here's what I
don't understand. If she is a sixty year old adult,
why do her siblings have Are they actually guardians? Or
tell me what you mean by control?

Speaker 6 (29:47):
So her sister is her medical CoA and she told
me a couple of weeks ago. She goes, I don't
even know how my sister got to me be my
medical po.

Speaker 4 (29:56):
Well, okay, but but that that's not that's not finance,
so go ahead.

Speaker 15 (30:01):
Correct.

Speaker 6 (30:01):
And one of one of her other, one of her
brothers was her financial CooA. But she still okay, some
control over her account, but not you know, she's not
really whipid enough.

Speaker 4 (30:14):
To the sister. A sister is a medical power of
attorney and her brother and her brother is a financial
power of attorney.

Speaker 15 (30:28):
Correct.

Speaker 4 (30:29):
Okay, so where are we going with this? Tell me
the rest of the story.

Speaker 6 (30:34):
So through the grape vine, I've heard, well, you.

Speaker 4 (30:37):
Say, through the grape vine. So apparently did they kick
you out?

Speaker 6 (30:41):
They they locked me out out. They locked me out.
I came home from my trip, could not get access
to the condo, was kicked out. Even with the police there.
They said, we're not letting her in. The concierge would
not let me in.

Speaker 4 (30:55):
They were supposed to go through an eviction process. That's
a whole separate issue. But anyway, you're lockdown.

Speaker 6 (31:00):
It's a very very complex situation.

Speaker 4 (31:04):
I was locked out.

Speaker 6 (31:05):
I was not paid for my final work. They never
reached out to me. I just had to spend a
text saying, you know, whoever's monitoring her phone, I need
my stuff, you know, please I'm desperate.

Speaker 4 (31:19):
I have What kind of stuff do you need? All right,
hold on, We'll come right back to you. This is
very interesting and we may be able, you know. I mean,
we'll see. We'll get an attorney on to talk about this.
Just hang on, Jennifer, I'm Tom Martino three oh three
seven one three talks seven one three two five five.
Toward the end of the year is the time to

(31:39):
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(32:22):
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero, sixteen twenty two. Hey,
we're gonna get an attorney on for Jennifer to find
out about this problem. Okay, we are and see if
Jennifer has any Rice, But Carrie, before the end of

(32:42):
the hour here, I wanted to bring you up and
talk about this issue and then we'll continue that as well.
What's going on with you, Carrie?

Speaker 17 (32:50):
So I was out of town and on the thirtieth
or war water if I was gone, turn the water
off the unique because they said there.

Speaker 10 (33:01):
Was a leak. Now, the person.

Speaker 17 (33:04):
On the bill was my mother.

Speaker 4 (33:07):
Like something a single family Is this a single family home?

Speaker 17 (33:12):
Well, they're kind of California homes. There's two units to
the building, but everything is.

Speaker 4 (33:18):
Separate, all right, And they turned it off to both
homes in that building, to both units. No, just okay, Mark,
what were you going to say?

Speaker 5 (33:27):
Well, I'm just trying to figure out how do they
know it was leaking? Did it freeze?

Speaker 13 (33:31):
And like the person in the home next door saw water?

Speaker 4 (33:34):
What happened?

Speaker 15 (33:36):
They said the meter was running too pasted.

Speaker 5 (33:38):
Okay, that makes sense. So it is leaking somewhere.

Speaker 17 (33:42):
Yeah, And unfortunately I was out of town. I came
back because my mother pass.

Speaker 4 (33:49):
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(34:10):
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need Avis So you don't have.

Speaker 2 (34:31):
Come run inhous a stas as we can. Shooter's gonna
help coming man, This is.

Speaker 3 (34:39):
The Troubleshooter Show. Now Tom Martino. Hey, that's me.

Speaker 4 (34:45):
I'm Tom Martino. Welcome to the show. Fifty years strong,
forty five in Denver, fighting for you, solving problems, answering questions,
taking complaints, and for twenty five of those years major
mark major for the major part of that time. Mark.

(35:05):
You're at the studio and you're thinking about this Jennifer
problem could be more than meets the eye. Are you
thinking she was trying to take advantage of this situation.
I mean, well, what's it's hard for me.

Speaker 5 (35:20):
It's hard for me to figure this out. What does
take advantage of me? And I mean, everybody's got to
define it. She apparently moved in, cook some meals from her,
or cook some meals for her, and then I think
she said she cleaned. Do I think that equals an
eight hundred and fifty thousand dollars condo? No, And if
that was my mother or sister or someone, I'd be

(35:44):
pretty skeptical at this point.

Speaker 4 (35:47):
But remember this relationship has been going on before she moved.
By the way, try to get Dan McKenzie on if well.

Speaker 5 (35:56):
Okay, so where do you where does the eight hundred
and fifty thousand dollar condo become?

Speaker 4 (36:02):
That's what I'm going to try to get to. So, Jennifer,
you called Debbie a friend, but you were open about it.
You said she is a client, you're a personal assistant.
Before you moved in, what did you do for Debbie, Jennifer,
what did you do for her?

Speaker 6 (36:20):
So before that, I have helped her pack her house
after her husband died. About that same time was when
she got hit by the car. But anyway, I watched
her animals. I did her makeup for her because she
played in the band I you know, aunts and an think.
I replaced some carpet for her because the dogs had

(36:41):
soiled some carpet. She had brain injury. It was getting
to be a health hazard, and I came in and
ripped it out. Put down.

Speaker 4 (36:47):
Now, Now when you mentioned this brain injury, that does
bring pause.

Speaker 5 (36:52):
Well, hold on, hold on. If this I'm so confused here.
If this woman was worth about ten million, why is
she having you install carpet.

Speaker 4 (37:01):
I don't get that.

Speaker 6 (37:06):
She did not have the ability to fully process a
lot of thoughts. So she had the two dogs. She
couldn't know. Let's get them out, and they were they
were okay.

Speaker 4 (37:18):
So she does have a brain injury. So the family
has good reason to think, Wait a minute, Debbie's got
a brain injury, she's worth ten mil, and we got
Jennifer moving in for the kill.

Speaker 6 (37:32):
I can totally see how somebody might have that perspective. Well,
look from the outside.

Speaker 7 (37:38):
I do get it.

Speaker 6 (37:39):
I do get it, and I'm not fighting. I'm not
fighting for anything financial. What I really am fighting for
is to make sure my friend is okay. She's been
taking away her and her dog. They were like family
to me.

Speaker 4 (37:52):
I love so condo right who's in her condo right now?

Speaker 6 (37:57):
Nobody against against what I believe is against her will?

Speaker 4 (38:04):
She well, that's what you believe. Have you? Have you
been able to talk to her at all? No, Hm, Jennifer,
unless she unless she gets I get it. And this
has happened. I can't tell you how many times we've
heard from families and friends with the same situation where

(38:26):
all of a sudden they're cut off. They they don't
know what to do. We had one case where a
woman was in a nursing home or an assisted living
home and her one friend, her best friend down the
street that used to go gambling with her. Do you
remember this mark, So the woman used to go with
her gambling, and the woman who was in the nursing

(38:46):
home now was no longer communicating with her buddy down
the street, and she was no longer in the home.
The family sold her home, and the friend down the
street complained that her family put her away against her will.
And so when we called the nursing home, they wouldn't
let us see her because the family forbid us seeing her.

(39:09):
So there was no way to really get to talk
to this woman. We had to have an attorney file
with the courts so she could at least get a visitor.
And then when we went into as a visitor, she
hired this attorney. This attorney got her out of the
nursing home. She truly was there without against her will.

(39:30):
It's amazing how as you get older, how people start
imposing themselves on you. So here's what we have, Jennifer.
We either maybe you're correct and the family is imposing
themselves on her and taking advantage of her. Or maybe
their suspicions are correct and you were trying to You
had some undue influence and wanted to profit. But now

(39:53):
you say you don't care about the will or about
the condo. You just want to make sure Debbie's doing okay.

Speaker 6 (40:00):
The least of my concerns is the financial aspect. I
love this girl as though she's my family. And her
dog they were like my family.

Speaker 15 (40:08):
Okay.

Speaker 6 (40:08):
I'm concerned for her welfare and that is my biggest concern.
I have not had any communication with her, which is.

Speaker 4 (40:17):
What happened to her cell phone. You can't did she
talk on her cell phone?

Speaker 6 (40:24):
She she would talk on her cell phone. Minimally and
text and I was the person she called when she
broke her arm and was taken to the hospital in August.
She called me and said, I'm in the hospital. You
know I'm going to be staying here overnight. I said,
I'll go take care of the dog. Let me know
when I can come pick you up. Tomorrow she called me.
You know, she texted me come pick me up. So

(40:47):
I was her main her main source of help was
how long?

Speaker 4 (40:52):
How long was she a client? How long was she
a client? Total?

Speaker 6 (40:55):
She's been a client for about eight years.

Speaker 4 (40:58):
Oh, so you've known her eight years.

Speaker 6 (41:03):
When she was hit. When she was hit and got
the traatic brain injury, she had me as her emergency
contact at that time. I had no idea she had
that much faith in me and that she would put
me meat in front of her family as her emergency
contact person. I was shocked when I got the call.

Speaker 4 (41:20):
So why what do you think made the family they
don't live in the state such what made them take
such drastic action? No, No, here's what I'm getting at.
What made the family suddenly take her away? Is it
because you moved in?

Speaker 6 (41:35):
That?

Speaker 4 (41:36):
Is that the straw that broke the camels.

Speaker 6 (41:38):
Back as they say, I think it could have been
actually the straw that broke when you moved.

Speaker 4 (41:43):
When you moved in, they figured, wait a minute, this
woman is going too far now. Yeah.

Speaker 6 (41:49):
And I had told them for the past two years,
if that, if her care, if her needs ever increased,
that I was willing to move in. So they had
known that for about two years that that was something
I was willing to do.

Speaker 4 (41:59):
Also know, did they also know that the will had
you down for the condo? Did they know that? And
they never opposed it? They never?

Speaker 6 (42:10):
Yeah, they never. According to her brother, when I was
out of town last year in the wintertime, I updated
on with some other matters I was helping her with
and he said, oh, by the way, we did update less,
we did update update the will, and she now has
you officially in the will. So they actually informed me

(42:31):
of it.

Speaker 4 (42:32):
Okay, so are you still are you still in the will?

Speaker 6 (42:38):
I don't. I'm assuming that I am that no one,
that she didn't take me out. I'm just thinking that
what might have happened is now that they have taken
over her finances completely and they're going.

Speaker 4 (42:51):
To sk So the purpose of this call today, if
I was to sum it up, the purpose of this
call today is is there any way that you can
force this issue to get in touch with this woman?
And I think they should at least relate. When when
you talk to the family, do they say, don't call

(43:13):
here again. Do they say we don't want you around.
Do they say you know that Debbie's not going to you? No?

Speaker 6 (43:22):
I have never talked to them. They only left a
letter from an attorney accusing me.

Speaker 4 (43:27):
Of Oh wait a minute.

Speaker 6 (43:30):
They have never They have never gotten in contact with
The Only way I will get my stuff back.

Speaker 4 (43:37):
The letter. What does the letter say? Can you send
us that letter? I sure can.

Speaker 6 (43:43):
I have a copy of it right here.

Speaker 4 (43:44):
You know why, because then we can show it to
our attorney. I think that's going to be the crux
of the matter. That should have been that, That should
have been the Oh for sure, hold on, all Katchina,
Let's get that letter. Let's get a copy of that.
I want to say, don't you want to see Mark?
I do.

Speaker 5 (44:02):
And there's the other thing, though, I'm a little concerned
if she was ever in the will. If she was
in the will, I don't think almost any kind of
power of attorney can change the woman's will. I don't
think so, So she would still be in the will.

Speaker 4 (44:19):
Yeah, possibly, I don't know the answer to that. Well, no,
I don't think you can.

Speaker 5 (44:25):
I mean, if she was in her right mind when
she wrote the will, and then let's take all timers
or take anything, and now she's a potato, whoever is
in charge of her cannot change her will at that point.

Speaker 4 (44:39):
Like I said, I don't know the answer to that.
That's probably right. It's a good question we'll have to ask. Listen,
Kenton has a question on something called safe parking program.
I don't even know if I know what that is. Carrie.
By the way, with the water issue, we're gonna come
back to you, Carrie, and this is a really odd

(45:00):
one and we do need Dan McKenzie for that. By
the way, speaking of McKenzie, I have a meeting with
him today. You know, I'm working with him on my
own estate. And Dan McKenzie is someone that I highly recommend,
and so we're going to try to get him on
the air table.

Speaker 5 (45:16):
I truly think if she was in the will, let's say,
how long ago would that be?

Speaker 4 (45:22):
What you're saying is what you're saying is the will
can't simply be changed only her capacity, right, If she
loses her capacity, who has the right to then go
in and change it will. It's a good question.

Speaker 5 (45:38):
Let's think about that, go down the road with that.
If that was possible, my god, a will would mean nothing.
Then it would mean absolutely nothing.

Speaker 4 (45:48):
Yeah, I just don't, like I said, I don't want
to give that advice until we talk to Dan. You're
probably right. I don't know. I don't know the answer.
We've never really had that come up, where someone after
someone is incapacity, is that will etched in stone?

Speaker 13 (46:05):
I got even both saying it's a good question.

Speaker 5 (46:07):
Think about if the answer was yes, Think how crazy
that would be. Whatever sister or brother was over the
father could literally take everything at that point. I'm right,
I could think of a million reasons. There's no way
that would be allowed.

Speaker 4 (46:22):
Yeah, So at some point you're saying the will would
become etched in stone, and at some point there would
be no changes. Poor Jennifer.

Speaker 13 (46:30):
It's going to come down to this, how do we
know she was in the will? How do you prove that?

Speaker 5 (46:35):
That's really to me the question, if you were told
you're in the will, then they yanked this woman away
from you to a different state. How do you even
look at a will?

Speaker 4 (46:46):
And good questions? Be entitled to the will?

Speaker 5 (46:51):
And also Jennifer, what makes her entitled just because she
says she was told?

Speaker 4 (46:56):
We have asked, we have asked Mackenzie that, and it's
it's always there's no definite answer. Plate. Hey, wait a minute,
I think I'm in the will? Can I see it
to make sure? Hold on? We we'll discuss this in
more coming up on the Troubleshooter Show. Go with a
sure thing Denver's Best roofer Excel Roofing dot com. You

(47:19):
don't pay a cent until you're content. Wait time for
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven to
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to

(47:39):
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hey Tom Martino, your troubleshooter
three o three seven one three eight two five five.
All right, I'm to go we're waiting for Dan McKenzie,

(48:03):
and we're waiting for that letter from the attorneys for
the sibling. The attorney for the siblings, they left a
letter for Jennifer accusing her of some stuff. We want
to hear how he put it succinctly as to what
she's being accused of. And again, she's not looking for
any problems. She's not looking to guarantee she's going to

(48:26):
get the condo. According to Jennifer, she just wants to
know over friends doing. Okay, Maybe this letter spells out,
you know, that they don't want her to talk to
the friend or not. You know. We also have some
general questions about wills that we'll get to as soon
as we can get Dan McKenzie on the line. Kenton,

(48:49):
let's talk about this safe parking program. I'm not sure
what it's about. Go ahead, Kenton, what's happening? Hey?

Speaker 16 (48:56):
Thank you? Tom?

Speaker 18 (48:57):
I Man, Yes, sir, what's no a safe parking lot
where people who are generally working but don't have enough
to get an apartment, we allow them to sleep in
the car on our lot overnight and provide a port
a potty in life.

Speaker 4 (49:11):
Oh wow, that's a novel thought. Did you invent this
or are they? Is this a thing, these safe parking lots?

Speaker 18 (49:20):
No, No, I didn't invent it. There used to be
a group called the Colorado Safe Parking Initiative and they
still have a website and they were relying on grant
money and they have to close down. But I'm at
a church and we decided to continue the program.

Speaker 4 (49:36):
Okay, so you provide a safe parking lot to basically
people living in their car, right correct? Okay? And what
are you calling about? Okay?

Speaker 18 (49:47):
So my question today is we have an elderly woman
who is working. She has a two thousand and eight
Selera and she ran over a curb and did some
damage to the car. She's taking it to a couple spots,
but she has no idea of what they're telling her
that needs to be replaced actually needs to be replaced.
So I wondered if you could recommend a reliable Toyota

(50:07):
service company that she could take her car toon and
get a legitimate where is she located?

Speaker 4 (50:14):
Like, can she drive her car right now?

Speaker 18 (50:17):
She said the car is drivable, but she needs to
get back to Texas and so it's not drivable on
the highway.

Speaker 4 (50:24):
Okay, I mean and every car, No, I get it.
What you need is an honest assessment of her car. Okay,
what part of town is she in? Like, where where
is this parking lot?

Speaker 18 (50:35):
Well, we're located across from the state capitol downtown. Okay,
She'll go where she can get an honest no, no.

Speaker 4 (50:43):
No, I would go to Jeff Vic Kimmera Transmission. He
knows a lot about the undersides of that car. Because
she wants to know that. That's where I would go
Kimmera Transmission, Jeff Vic. And if you call him, you
can tell him that we recommended. He's a great guy
and you can definitely trust him. Let me give you

(51:05):
the number is did you want the number? Yes?

Speaker 15 (51:10):
Or go ahead?

Speaker 4 (51:11):
Please? Okay, and Katchina, maybe we can put him alert
to the fact that she'll be calling. His number is
three oh three six nine three fourteen hundred. Now he
does transmissions and other work, mainly transmissions, but he knows
a lot about suspension, transmissions, the engine. Where did she

(51:32):
hit her car?

Speaker 18 (51:34):
She didn't say, but they're telling her struts and they're
telling her tired.

Speaker 4 (51:37):
Yeah, he's going to be He's going to be an
excellent source for her. He will absolutely be an excellent
source for her and she can trust him and he'll
never try to sell her something she doesn't need. So
that's what I and let us know how it goes.

Speaker 18 (51:56):
I will And you're the name that Kimmer.

Speaker 4 (51:58):
K I am Emmy Himmer, Yes, k as in k
right Kimmer. Now listen, I want to ask you something.
This safe parking program sounds very very interesting to me.
So you have portapottis there. You don't have shower facilities
and stuff? Do you?

Speaker 18 (52:16):
We don't, unfortunately, but.

Speaker 4 (52:19):
It is a what a great idea? So they get there?
Now are they supposed to move during the day? Is
it only for parking overnight?

Speaker 18 (52:28):
Most of the people are actually working, so they're gone
during the day, and as long as they don't cause
a problem, then they can stay during the day if
they need to.

Speaker 4 (52:37):
You know what I've noticed, Kenton. I don't know if
you've noticed this, but and I won't mention the streets,
but there are certain avenues or streets that are not
heavily populated with houses that end up being very popular
overnight spots. In fact, when I drive to my home

(52:57):
studio from my other home, when I I go down
this one avenue I call it's it's not really a
populated street, it's just a it's along the creek and
when god, there's so many people that are parked and
you can see they have makeshift curtains and stuff put
on their car to block out the light. And so

(53:18):
there are a lot of people that do this Kenton
on their own and don't know where to go. Uh
does this does this parking lot fill up?

Speaker 18 (53:30):
Well, we're we're only allowed the twelve twelve people and
they're a waiting list, but the turnover is is uh
the twelve people as a there's a condition of the
port of body because they just we only have one.
They just can't handle more. But I do have a
waiting list, so I think my number. So if you
ever get calls from.

Speaker 4 (53:48):
So, so, how how do people So people actually reserve
spots so when they come there after work, they're guaranteed entry.

Speaker 18 (53:57):
Yes, yeah, it's not necessarily the same spot every night,
but yes they have they have a space and a
parking pass and you so you.

Speaker 4 (54:04):
Have a lot attendant.

Speaker 16 (54:07):
Uh, no, we don't.

Speaker 18 (54:09):
But it is monitored every once in a while by
by a group, yes, that comes through and checks to
see if if everybody's okay, all right?

Speaker 4 (54:17):
Well, thank you very much, Kenton, very interesting idea. Three
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Time for an insurance check up free no obligation comparison
call Compass Insurance paying too much your coverage at dozens

(55:02):
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hi Tom Martino here,

(55:23):
Welcome to the show. Three O three seven to one
three talk seven one three eight two five five. Bob
Logan is with us from Plumbline Services and UH we've
gotten a sidetracked, but we have a lot to talk
about in your area right now. We have had an
unusually mild shoulder season, haven't we Don't we normally get

(55:46):
more cold. Do you have a glut of furnaces? Is
it a good time to replace? Seriously, what is the
situation right now you might have here?

Speaker 10 (55:54):
Really normally we get our first cold or freezes around
late September early October, So yeah, we're very late in
the season. Obviously with what happened this weekend, our phones just.

Speaker 4 (56:05):
Exploded, really just for that little bit of a cold
just exploded.

Speaker 10 (56:10):
Frozen pipes.

Speaker 4 (56:11):
It happens all the time.

Speaker 10 (56:12):
Frozen pipes and furnaces that are not functioning properly.

Speaker 4 (56:17):
One thing that you want to I don't understand this.
Why do frozen pipes happen? I mean, if they happen,
are they new people? I mean, because obviously typically.

Speaker 10 (56:28):
It's an older home, poor installation.

Speaker 4 (56:30):
Why sometimes sometimes they don't What's that? I would say?

Speaker 5 (56:37):
Generally it's because they don't remove their hose from the
outside bit.

Speaker 10 (56:42):
Yes, the the hose bibs or the outside faucet is
probably the number one, but inside as well. So if
you have say, vanities on an on an exterior wall,
uh with with you know, an older home, poor installation,
that it happens.

Speaker 4 (57:00):
I guess what I meant was, once you confront it though,
you correct it, right. I mean you don't just though
out pipes.

Speaker 10 (57:06):
You Oh yeah, either hopefully you can thow it out
before the pipe burst.

Speaker 4 (57:10):
Right, or if you correct it though, then you make
sure it doesn't freeze again. Right, You insulate that pipe
and do whatever it takes exactly.

Speaker 10 (57:17):
But most people, you know, that's one of those things
you just don't think about it until it happens. And
and so you know, one thing I do want to
talk about at some point during the still Anyuary. First,
Colorado is going to be required to only install low
Knox water heaters and low Knox furnace. What is low
socks so knox is you know NX nitrogen dioxide. It's

(57:43):
anything that produces high temperatures water heaters, furnaces, automobiles, power plants.
It's it's the admission into the air. And so we're
following California, We're going to low knocks appliance.

Speaker 4 (57:56):
Did we not learn?

Speaker 5 (57:57):
Did we not learn?

Speaker 4 (58:00):
Last four years?

Speaker 10 (58:00):
It could be twenty thirty fifty more for these What.

Speaker 4 (58:04):
Are you kidding? So what does low Knox do It
It reduces the emissions of the compliance, that's exactly right, reduces.

Speaker 13 (58:11):
And it makes them work like crap most likely.

Speaker 10 (58:14):
And and you know that's that's been a question that
come up, and it has by the lower price ones.

Speaker 4 (58:20):
Now if you buy the lower priced ones, now you
don't obviously their grandfathered in.

Speaker 10 (58:25):
Their grandfathered in. And you know, after January one, our
suppliers may have some inventory left.

Speaker 4 (58:33):
So do you guys get so wait, wait, wait, wait,
so you get to sell the inventory?

Speaker 10 (58:37):
Mark I want to get let them tell the inventory.
So as long as the inventory is in Colorado, received
in Colorado by December thirty, first you can sell it.
But but my you know, my suppliers are going towards
we've got to limited supply, right, and so it's going gone.

Speaker 4 (58:53):
As soon as those supplies are gone, they're gone.

Speaker 10 (58:56):
It may be two weeks. It give me too much.

Speaker 5 (58:57):
It's going to be like is it going to be
like to cat converters to where if a shop is
caught selling one that's not California compliant, I mean they
can be.

Speaker 4 (59:07):
Put out of business they get a massive fine.

Speaker 10 (59:10):
Yep, absolutely God so again unless it's in our warehouse.

Speaker 4 (59:15):
So we're following California house. Does California basically lead the
way for Colorado and they're not even cold there.

Speaker 13 (59:21):
They don't have to deal with the kind of for
the most part.

Speaker 10 (59:25):
Well, and that's you know again, I haven't seen any
tests that I can find in high altitude, and a
lot of times these things are passed through and they
are not tested in high altitude conditions.

Speaker 4 (59:37):
So whether or not I think Paul has a pin up
of Newsome Gavin anywhere in his house, I mean, it's
like it's like everything California does we have to mimic
and including soft on crime stuff.

Speaker 10 (59:55):
And I you know, I'm all about I'm all about
protecting the environment when it makes sense. But what happens is,
you know a lot of these laws they pass, I
mean the people you know, just with inflation and COVID
and everything else. Over the last five years, the price
of these items has has doubled and tripled in some cases.

(01:00:17):
And now you're going to add another you know who
knows no I understand.

Speaker 4 (01:00:21):
So COVID and the supply problems happened and then we
had so we had supply chain problems, and now we
have the new emissions.

Speaker 10 (01:00:31):
How long the thing is? Yeah, for the furnaces, they
won't make. So a fourteen inch cabinet is pretty popular
for a lot of smaller homes or townhomes or things
like that.

Speaker 4 (01:00:40):
Fourteen inch cabinet for a furnace.

Speaker 10 (01:00:42):
Yeah, so they come in different sizes.

Speaker 4 (01:00:45):
No, I got it.

Speaker 10 (01:00:46):
Those will no longer be available. Why so because because
I guess they can't make these low knocks, the low
knocks within a fourteen inch cabinet, and so so for
some people they might be doing a remodeling project along
with installing a new furnace.

Speaker 4 (01:01:02):
Or a water heater. So it's a big deal.

Speaker 10 (01:01:05):
If you're looking at replacing, if you have an older system,
you've even considered replacing, please do it sooner than later,
because if you wait until after the first year, you know,
and Plumbline or most of our competitors have easy payment plans,
you know, if you can't afford it out of your pocket,

(01:01:26):
we have easy payment plans.

Speaker 4 (01:01:27):
But my god, as easy as they're going to be
thirty to forty more.

Speaker 10 (01:01:31):
I've heard from twenty percent to fifty percent so.

Speaker 12 (01:01:36):
Bob, Bob, Yeah, this question, Bob, Bob, is that hold
true for the the low Knox water heaters for a size?
Is that going to increase the size of the forty
and fifty gallon from my understanding, yes, And some of
these condos and small A partnerships have enough space like
a one inch gap with the standard water heaters exactly.

Speaker 10 (01:01:56):
And this and this happened a few years back when
they went with the you know, they increase the efficiency
of the water heater and added insulation and I think
it was if I remember right, it was like two
inches on each side, or maybe two inch total, but
even a couple of inches, like like you said, some
of those water heaters are shoved in these small closets,

(01:02:17):
and and.

Speaker 4 (01:02:17):
You're looking at remodeling, so d D you have a question?

Speaker 9 (01:02:22):
Yeah, Bob, So you know, I've been listening to you
talk about this really scary price increase that's just a
few weeks around the corner. It's a shocking surprise, frankly,
and I'm wondering what does this mean for your repair business?
Do you think it's going to start making more sense
for consumers and therefore you to repair more of these
older systems that can't be economically replaced anymore. Do you

(01:02:46):
see an expansion of that part of your business manage?

Speaker 10 (01:02:48):
That's like you both but sometimes with the older, older systems.
So you know, there's different refrigerants that have been introduced
for the same type of reason R twenty two. Then
it went to four ten A. Just recently it went
to four fifty four B and and so what happens

(01:03:11):
is is those supplies of the older refrigerants.

Speaker 4 (01:03:14):
They're they're not backwards compatible.

Speaker 10 (01:03:16):
I mean they're they're not they're not backwards compatible. And
so you so if you have an older uh, you know,
if you need an older refrigerant for for example, for
your air conditioner, you're you're going to pay through the
nose for that. So you so there might be parts
on the older parts, but they might be available, but
it might be caused prohibitive to do the repair.

Speaker 9 (01:03:38):
So your supplies of these older refrigerants that can no
longer be sold, they're dwindling, is that right?

Speaker 4 (01:03:44):
Well, they're all but gone some of you, oh, some
of them are all gone now, okay, so you can't
evacuate a system because you can't charge you back up again.

Speaker 9 (01:03:53):
Correct, God, this is just terrifying. It's I mean, you know,
in you furnace, well, you know you're in the business.
We have from elderly and poor people that say, hey,
it's fourteen thousand dollars to repair the furnace and I
don't have that money.

Speaker 4 (01:04:07):
Well now it's.

Speaker 9 (01:04:08):
Going to be fourteen thousand plus forty percent that.

Speaker 10 (01:04:10):
You just and that you just don't know what the
what the price is going to be. Haven't gotten my
price list on the new systems yet, and you know,
I'm not sure that.

Speaker 5 (01:04:20):
They just let me tell you, Polish and all these
people all they want to do is run poor people
out of here. Don't don't let them fool you. That's
all they want to do. This is their way of
patting themselves on the back, acting like they're doing something
great for in the environment, but just simply pushing the
poor people further.

Speaker 4 (01:04:37):
Why do you think they want to push poor people out?
I thought poor people no, I thought poor people was
their bread and butter. Well apparently not.

Speaker 9 (01:04:44):
I don't think that's their endgame. I think that's just
the consequence.

Speaker 4 (01:04:48):
Right, That's what I was thinking. I don't think it's designed.

Speaker 10 (01:04:50):
To their green base.

Speaker 9 (01:04:52):
Now, Bob, does this imply that there's a potential business
opportunity for somebody who's going to drive to Texas and
Wyoming and Kansas pick up some.

Speaker 10 (01:05:02):
I would lose my license. You can't. You have to
you have to show homeowner?

Speaker 4 (01:05:07):
Could you home?

Speaker 8 (01:05:08):
Then?

Speaker 10 (01:05:09):
Could a homeowner home owner?

Speaker 15 (01:05:11):
Could?

Speaker 10 (01:05:11):
I'm sure there's gonna be businesses that are going to.

Speaker 9 (01:05:13):
Try it, but you can't install it right because you
have to get a permit.

Speaker 5 (01:05:16):
And yeah, exactly, I wonder how that works if someone
came from out of town, like from Wyoming, we.

Speaker 4 (01:05:23):
Gotta let's from that. That's a good point. Let's talk about this.
And if someone came from Wyoming Cheyenne and install the
furnace in Denver, would they be held to the same standard. Yes,
because of the permitting and all that, unless.

Speaker 10 (01:05:38):
They don't pull a permit, which again, if you're working
with the crappy shady we.

Speaker 4 (01:05:44):
Got to take this break. We got more coming right up.
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content
to time for an insurance check up free, no obligation.
In comparison, call Compass insurance paying too much your coverage

(01:06:07):
at dozens of insurance companies find out now three all
three seven to seven to one help. You'll think you're
his only customer when you choose Frank durand the real
estate man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Martino, Here,

(01:06:30):
we're gonna let's take Eric right now. We're gonna be
talking about the move toward heat pumps in the future
here and why uh listen, The whole environmental green thing
is here to stay, and it's getting better and better
or worse and worse, depending on how you look at it. Eric,
what's going on with Dish network? What is your problem?

(01:06:51):
We'll get started on it during the break. What's happening Eric.

Speaker 7 (01:06:55):
Hey, tom So?

Speaker 19 (01:06:58):
Yeah, according to Dish, my bankruptcy that was discharged two
months ago is now brand new, recently filed. As a result,
they are changing my billing.

Speaker 6 (01:07:09):
They have written they have that I have I owe them.

Speaker 19 (01:07:12):
Money that I don't actually owe them. They've changed my
billing date. They're writing off a whole bunch of money
and plan to report my report.

Speaker 16 (01:07:20):
Me to credit.

Speaker 4 (01:07:21):
All right, Eric, this is something that I can probably
help with as far as helping you understand it. But
when you said your bankruptcy was discharged, it was literally
two months ago. Right and go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check

(01:07:46):
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three O three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two ript need that you don't have a.

Speaker 2 (01:08:18):
Running just as fast as we can. Shooter's gonna help, Come.

Speaker 3 (01:08:25):
Dix is the Troubleshooter Show. No Tom Martino.

Speaker 4 (01:08:30):
Hey, I'm Tom Martino. Welcome to the show with Major
Mark Major, Major Mark Major. What's going on? We got
that letter from the attorney I want to read.

Speaker 5 (01:08:42):
I'm not even sure that's an attorney. Does it say attorney?

Speaker 10 (01:08:46):
Uh?

Speaker 4 (01:08:46):
Yes, oh wait actually hold on, yes, well it just
says something about legal you're right. It doesn't actually say
it doesn't actually stay.

Speaker 5 (01:08:58):
Look, it just says sincerely, John, I mean, yeah, yeah, yeah.

Speaker 4 (01:09:02):
But the letterhead says something something legal. I don't know
what it is. Okay. Anyway, what they're saying.

Speaker 13 (01:09:11):
Basically, well you better recap, okay.

Speaker 4 (01:09:16):
Jennifer said, Look, I had a client, Debbie, and Debbie
had a traumatic brain injury from an accident. But she
was a client of mine and I was her personal assistant.
She's worth about ten million dollars. And then I eventually
moved in with her because she needed a higher level

(01:09:37):
of care. So I moved in with her, and the
family immediately took action. They basically moved Debbie away and
took away Jennifer's access. Jennifer said that Debbie did make
a change to her will earlier in the relationship where

(01:10:03):
Jennifer was left or was going to be left an
eight hundred thousand dollars condo. And I said, you know,
it's probably this. The family feels you're taking advantage of Debbi.
But here's what it says. I represent the family of Debbi.

(01:10:24):
And as you know, Debbie executed powers of attorney for
family members, one for financial and one for medical and
Debbie has completed an estate plan with express intentions to
protect her interests. The main purpose of the plan is

(01:10:47):
to ensure she gets a certain level of care. Blah
blah blah between Debbie and her agents. No fewer than
three agencies have contracted have been contracted to provide care.
So there are three reputable organizations and they said each

(01:11:07):
agency reported that Jennifer routinely interfered with their work and
this continued interference must stop. At once. In August, you
took Debbie home from the hospital after she broke her
arm without any authority. You have contacted the agency and

(01:11:32):
the staffing efforts without authorization to direct you know, to
direct them without authorization. You have asked that the family
stop using that agency, but the family believes the care
they provide is valuable. On one occasion, you took Debbie
to seek medical care without informing anyone in the family

(01:11:54):
or even her primary care provider. You have been quoted
as saying the family does not matter. You advise the
agency to stop monitoring medications one of these agencies, but
then went to Florida for several weeks. The agency has

(01:12:18):
reported that you have attempted to disrupt their work, that
you bully their workers, and that you have attempted to
cancel their services. The agency is frankly suspicious that you
are exploiting Debbie. The agency reports that you have attempted

(01:12:38):
to cancel their services as well, so there's more than
one agency. Please refrain from taking any action or making
any decision that may affect Debie's healthcare or condition. Please
refrain from communicating with the healthcare workers, her agents, and

(01:13:01):
whatever agents are sent to Debbie. My clients expect that
you will call nine to one one as well as
a family in the event of an emergency other attempts
to usurp the agency authority will not be telebrating. Well,
this doesn't even sound like they're telling her to get out.
This simply says you got to stop interfering. This letter

(01:13:23):
doesn't even has I'm mark, am I am I lying?
Am I dying here? This this letter doesn't say get
out or you're not to contact?

Speaker 5 (01:13:33):
Get out was easier. They basically told the condo people
don't let her in the building anymore.

Speaker 13 (01:13:38):
So, I mean that's how they got her out.

Speaker 4 (01:13:41):
So, Jennifer, this letter really is just to let is
just to tell you to stop interfering, Jennifer. That's the
way I That's all it says. It doesn't really say
anything about you doing you know, about you having to
leave for them taking her away. None of that is

(01:14:04):
addressed in this letter.

Speaker 15 (01:14:07):
Nope.

Speaker 6 (01:14:09):
So by the time I got this letter, okay, all right,
well this was just left at the concierge death for me. Yeah,
when they took my keys away?

Speaker 4 (01:14:21):
Okay, how'd they take your keys away?

Speaker 6 (01:14:25):
The concierge I walked in and she just said I
need I need your FOB and I thought, oh, okay,
and I gave it to her. She goes, Okay, you're
not allowed you'll be contacted.

Speaker 4 (01:14:35):
Okay, So basically you're ostracized and the family has a
right to do it. I don't know what else to
tell you at this point.

Speaker 5 (01:14:44):
I don't Well, it still comes down to if she's
in that will. I don't care who took possession. They
are not allowed to change the will. If this woman
added this woman in the will when she was of
sound by him.

Speaker 4 (01:14:56):
What are the chances of getting Dan McKenzie on during
the show. Is that going to be possible or not? Kachina,
did you talk to his office. I'm trying to get him.

Speaker 7 (01:15:06):
He hasn't contacted me back yet and he's not answering.

Speaker 4 (01:15:09):
Last you're tough, Tom, No, it is tough again. I
have an appointment with him this afternoon. Okay, then we're
going to go to Tim. Tim wanted to know about
pricing on a water heater, a forty gallon water heater.
We have plumb line services with us. He wasn't talking,
he wasn't asking about plumbline. But they're here. It's only

(01:15:32):
fair to say he's talking about another company and thirty
You know, there was a time when, I mean, look
at everything changes. Water heaters have gotten very expensive and
I'm not sure why because the price of water heaters
haven't gone up that much, have they, Bob?

Speaker 10 (01:15:50):
Are you kidding me?

Speaker 4 (01:15:51):
Tom?

Speaker 10 (01:15:51):
They had last five years.

Speaker 4 (01:15:53):
They have doubled, they have double or more.

Speaker 13 (01:15:56):
Yes, why and you mean on the wholesale side, right.

Speaker 10 (01:16:00):
Right on the wholesale side. And of course they have
new regulations. Again, everything gets passed on to the consumer.
And that's what that's what these legislators don't understand, is
that you can make all the legislation and bills in
the world, the consumer at the end of the day,
is going to pay for it because wholesalers, razor price
shipping companies, razor price dealers, raisor price installers. It just

(01:16:24):
all goes down the line to the consumer every single time. So,
you know, thirty four hundred dollars, you know, that's a
little bit on the high side, but it's not out
of line.

Speaker 5 (01:16:35):
I don't think it is.

Speaker 12 (01:16:36):
And also, Bob, there's only two manufacturers of water heaters anymore.
Back in my day there were like ten twelve manufacturers.
There's basically only two manufacturers of water heaters.

Speaker 4 (01:16:47):
So that are there only two? Bob?

Speaker 10 (01:16:49):
Yeah, some of them private label. I don't know if
it's two or three, but and.

Speaker 4 (01:16:53):
Then they put their name on it.

Speaker 12 (01:16:55):
But that would cause the price to go up because
there's only two manufacturers.

Speaker 4 (01:17:01):
In any case. So so who are the manufacturers both
since you brought it up, who are they?

Speaker 12 (01:17:09):
Uh, they're manufacturer. I don't know the actual name. But
like Bob said, they private label and they put Aosmith
State rem.

Speaker 5 (01:17:17):
They just all come from the same place.

Speaker 12 (01:17:19):
They all come from the same place. It's just one
place that makes them. And I think it's in Mexico
where the tanks are.

Speaker 4 (01:17:25):
Maybe yeah, but those are the tanks. But what about
the water heaters themselves.

Speaker 12 (01:17:32):
They make the water heater, They make the tank. That's
basically what a water heater is. It's just a steel
tank with insulation and in a valve and burn and.

Speaker 4 (01:17:41):
Burn, and there's electric and then there's gas.

Speaker 10 (01:17:47):
I don't know, I mean there might there might might
be four or five. Again, it's it's hard to say
who manufacturers, but like Aosmith, like you said, as a manufacturer,
Bradford Whitet rem State water heaters.

Speaker 4 (01:18:00):
Well, according to AI, there's way more than two manufacturers,
but I'm not going to argue with BO anyway. According
to AI, there are a dozen water heater manufacturers. Who
knows they this gets its information from the internet, so
who knows. I mean, it's, you.

Speaker 12 (01:18:19):
Knowably twelve different names, but only one or two manufacturers.
They're putting their names on it.

Speaker 5 (01:18:25):
And I'm seeing basically there's Navyan, Renee, AO Smith.

Speaker 4 (01:18:34):
Those area. Those are constant flow water heaters, Rene and
Navion got it? Oh yeah, he's.

Speaker 5 (01:18:40):
Right, there's basically Reem and AO Smith and AO Smith
makes Whirlpool, Reliance Craftsman, Bradford White and about ten other
ones in remakes Eco Smart, GE Westinghouse.

Speaker 4 (01:18:54):
Yeah, and then the other two are the well constant
flowwater heaters. So that's I think stands to reason.

Speaker 5 (01:19:00):
Yeah, that's crazy. I had no idea.

Speaker 4 (01:19:02):
I think it's just two manufacturers in my opinion, that's exactly.
That's exactly what Marc is reading that there's two main manufacturers,
not counting constant flow. If you count the so called
instant they have their own. Uh yeah, so that's that's
what we're finding. So but isn't that going on in there?

(01:19:23):
Isn't that with everything? I mean I was just going
to say that that's going on in the world.

Speaker 5 (01:19:28):
GE doesn't make its own product anymore. They go to
a place in China and say build it to this
spec and slap march sticker on it and there's your GE.

Speaker 4 (01:19:39):
Yeah. More and more. I mean, if you look at
appliance refrigerators, for example, how many people actually make the
components of refrigerators or what any appliances. Everything is being consolidated,
and then they're doing brand names, and brand names have
their own little white labeled they white labeled things. Look,

(01:20:01):
the world is going that way. I mean, fewer and
fewer people are doing actual Yeah, it's just here.

Speaker 5 (01:20:08):
I just looked actual service ge appliances. This is so funny.
So in two thy sixteen they basically are now subsidiary where.

Speaker 4 (01:20:20):
Dan McKenzie he only has a few minutes. Dan McKenzie,
let me bring him right up real quick here because
I can't even I can't even take a break here,
Dan McKenzie. McKenzie law that he does his state planning, Okay,
basically wills and trusts and all of that. And I've
mentioned I'm using him as well. And Dan, I have
a quick question first on wills. If someone if someone

(01:20:44):
had a will and they left a caretaker something, and
then that person who had the will becomes incapacitated, Let's say, mentally,
can any of their representatives change that will.

Speaker 14 (01:21:01):
And the incapacitated person. Yes, yes, no, only the person
who made the will can change it.

Speaker 4 (01:21:09):
So once they become incapacitated, the will is etched in stone.
Is that correct?

Speaker 14 (01:21:16):
Oh yeah, so okay, so the incapacitated person they made
the will and now they're incastitated, right, okay, yeah, kind of.
You know, there is a way to like if they
created the power of attorney and specifically authorize their financial
agent to make changes to their plan. That is possible

(01:21:37):
that they could do that.

Speaker 5 (01:21:38):
That way, but that would have to be in the
existing will right or part of the trust or whatever.

Speaker 4 (01:21:43):
No, it'd be part of the POA. Is part of
the POA, and that POA Jennifer was. Did she appoint
these powers of attorney? Did she appoint them after the
will was drawn up? Now?

Speaker 6 (01:21:59):
Before? Okay, the financial one list before? Yeah, they were
both before.

Speaker 4 (01:22:04):
So it's possible that the power of attorney for finance
gave that person power to change the will. Would that
be typical?

Speaker 15 (01:22:17):
It's fifty to fifty. I mean a lot of our
clients do include that tower.

Speaker 14 (01:22:21):
But you have to specifically say it is a thing
like a general power attorney. To saying I'm authorizing this
person to do transactions for me isn't going to cut it.
You have to specifically say, I am authorizing this person
to create a trust for me, change my beneficiary. It's
like those kinds of a state planning decisions. You have
to specifically list in the power of attorney.

Speaker 4 (01:22:39):
Now, if Jennifer, Jennifer was a living helper for this
person and the family took away all access, took away
her keys, basically moved the woman, moved, the siblings moved
their sister away from her, and she has no way
of getting in touch with her. If she's part of
that will, presumably the will can't be changed. Does Jennifer

(01:23:02):
have a right to look at that will? Let's take
two scenarios, before death and after death.

Speaker 14 (01:23:12):
I mean, I guess, I just I don't think before death.
Certainly after death, if there is a will that has
her in it, she's going to be an interested party
and she's going to be able to you know, as
we've discussed multiple times, I know you're unsatisfied with it.
But people who have custy of the will are supposed
to put it with the court at that point, right,

(01:23:32):
I know, to do that. Is there any really penalty
for not doing it? I mean, let's say they don't
do it, and then Jennifer, you know, misses out on
an inherent she would have gotten if the will had
been properly disclosed. Then she can certainly sue them for
those damages.

Speaker 5 (01:23:46):
But someone makes dan If someone makes a will, goes
to someone and says I want to leave everything equally
to my two kids, and then Basically, one of the
kids ends up getting the power of attorney fifteen years
later Becau because the parent's getting older. With that power attorney,
they can't change that will, right. They can't simply say

(01:24:06):
if the power turned out their sibling, if the power.

Speaker 4 (01:24:10):
Of attorney gives that person the right to do it,
they can do it. That's what Dan just said.

Speaker 14 (01:24:17):
They're supposed to be using that power to create or
modify the plan in a way that the principle the
person creating the power of attorney would have wanted. They
don't just get to step in and say, I don't
agree with this, I'm going to change it.

Speaker 13 (01:24:29):
All right, So they can't ace out their sibling, right.

Speaker 14 (01:24:33):
Unless they have real good reason to think that is
what they wanted, and they.

Speaker 5 (01:24:36):
Just that's that's what I'm saying though. In this case,
right here, the caller Jennifer, she's saying, the woman left
me the condo. That's and she's not dead yet, so
it makes it weirder. But they actually changed it into
the will to order it to condo.

Speaker 4 (01:24:51):
We have to take this break. Dragon says, it's absolute mandatory.
Let's come right back, go with a sure thing. Denver's
best roofer Excel roofing dot com. You don't pay a
cent until you're content time for an insurance checkup free,

(01:25:12):
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three O three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two.

(01:25:33):
Hi Tom Martino here, we got plumb line services in
the house, Dan mackenzie on the line, by the way,
A three three co plans eight three three co plans
when he's not here, so Dan uh So. The way
I understood it is this way. If you create a POA,
and in that power of attorney you say that your

(01:25:55):
designee can change your estate plan or will, then they
can do it. But they're not supposed to simply invoke
their own desires. They are supposed to anticipate what you
would have done or what you want. And that's going
to leave a lot of leeway there for lawsuits and

(01:26:17):
disagreements because the brother might say, you know, later on
in life. Mom became dis enchanted with you and your
new wife, and she would have wanted me to take
this away from you. And the brother's going to say,
there's no way Mom would have done that right. And
so even though the POA might give them power to
change the will, it's almost always going to end up

(01:26:40):
in court. I think if they ace someone out, what
do you think, Dan, Yeah, they.

Speaker 14 (01:26:44):
Do something that's for their own benefits. I mean, their
own treacherous ground there, even if they think they've got
you know, instructed them to do.

Speaker 4 (01:26:53):
So.

Speaker 14 (01:26:53):
If someone was going to me and say, I have
these powers, I'm going to cut my sister out and
give myself more, I mean I would be I would
tell them exercise extreme caution on that, even if they
have the power to do it.

Speaker 4 (01:27:04):
Hey, Jennifer, do you have any specific questions for Dan
mackenzie since you believe you are in the will? And
by the way, do you have a copy of the will? Jennifer,
I may as well ask that did you ever get
a copy of it?

Speaker 6 (01:27:19):
I do not have a copy of the will, but
I do have what she wrote out on a piece
of paper before they made the will. I do have
a picture of her writing, and what.

Speaker 4 (01:27:29):
Does it say? And why did you take it? Why
did you take a picture of her writing?

Speaker 6 (01:27:33):
I'm just curious because her brother.

Speaker 4 (01:27:36):
Told me to And what did it say? What did
the handwritten what did the handwritten notes say?

Speaker 6 (01:27:44):
The handwritten note Maysie said that she would like for
me to have her condo and all the content in
the condo. And she also verbally told me that she
wanted me to care for her dog should something happen
happen to her.

Speaker 4 (01:28:00):
Okay, did Jennifer? Did she sign that piece of paper?

Speaker 6 (01:28:05):
She did?

Speaker 4 (01:28:07):
And it was then converted. It was used to make
a condicil to her will or a new will? Was
it an addendum to the existing will? What's that.

Speaker 6 (01:28:23):
Say that? Again? I'm sorry?

Speaker 4 (01:28:25):
Was it a new will? Or was it an amendment
to her will that?

Speaker 13 (01:28:31):
I don't know who told you it was added to.

Speaker 6 (01:28:35):
The will her One of her brothers told me that.

Speaker 13 (01:28:38):
Would he still attest to that?

Speaker 4 (01:28:42):
I do not know, Dan, What do.

Speaker 13 (01:28:44):
You make of all this other info you have now?

Speaker 4 (01:28:48):
I mean, yeah, I.

Speaker 14 (01:28:49):
Mean you're going down the right path there as far
as like if she signed that note, if it stated
it could could potentially be a will by itself, or
an amendment to the previous will. These are all potential
arguments that could be made if they really do hates
you out right. But it's like, the reason the courts

(01:29:11):
aren't really willing to deal with this at the moment,
it's because, you know, as long as she's alive, this
is all hypothetical and we don't even know what the
will is going to control.

Speaker 16 (01:29:18):
Yeah, I mean the will might.

Speaker 14 (01:29:19):
The will might, there might be designated beneficiaries on a
lot of stuff, there might be joint olders. So we
just the court doesn't want to want to deal with
this until it actually is an issue, and that makes
it very challenging for you when you're worried about it.
But getting back to the very first question I was
asked on this call, it's like, can this person change
it after they've become incapacitated, And the answer really is no.

(01:29:43):
So once you're in Caestie really can't make.

Speaker 16 (01:29:47):
A will anymore.

Speaker 4 (01:29:49):
Dan, let me ask you this. I just want to
understand the process.

Speaker 5 (01:29:52):
So if there is a will, you said, it has
to be turned over to the courts at some point.
So if the will's turned over to the courts and
she's listed in it. And even though the brothers, sisters,
the kids don't want to reach out to her, does
the court actually have someone reach out to people named
in the will?

Speaker 4 (01:30:11):
No? God, that's crazy. No, it's a weird system. The
entire system is weird. I think that it should be
mandatory that wills are filed with the state before death,
or they don't take effect. I mean, because anyone can
come up with a document saying here's the will. I mean,

(01:30:34):
it's just left to chance. It's amazing to me there
aren't more lawsuits.

Speaker 5 (01:30:39):
You know, It's like I could quit claim my house
to you, but until you actually file it with the county,
it means nothing.

Speaker 4 (01:30:47):
So what I'm saying is this, wouldn't it be nice
if there was a mandatory there was a law that
said a will must be filed with the state, and
it's filed much like a title, which means the latest
one takes precedent over the previous ones. So when someone dies,
you simply go to the courthouse and get the latest

(01:31:10):
copy of their will, or there's no will. I mean,
wouldn't that would take away all doubt. So so when
Joe Smith says, here's the will, and the kid says
mom never made that will, and Joe Smith says, oh,
yes she did. I knew your mom very well. I mean, Dan,

(01:31:33):
it no, no, does it? It seems like a very
imperfect system to me. I mean, you're in the business, is.

Speaker 7 (01:31:42):
It, Yeah, I mean it is.

Speaker 14 (01:31:46):
There's some pretty unsatisfactory situations that you're bringing up, bide.
I think they used to let you read it's your wills,
and face was an issue, and I think people, you know,
they'd readister one and then they'd update it and when
readyster the update and cause all kinds of confusion there,
or they'd register it move away. I mean, you know,
there's all kinds of studies don't have problems.

Speaker 4 (01:32:06):
Yeah no, but but like like a title, for God's sakes,
titles have to be filed or they don't mean anything.
And I think if it became the law of the
land and people were used to it, then everyone would
make sure they had their will filed. But anyway, I digress.
It's not like that.

Speaker 5 (01:32:25):
So I have a question for Dan.

Speaker 4 (01:32:28):
Okay, Bo, you're gonna have to do it after this,
I'm Tom Martinez more coming up, go with a sure thing.
Denver's Best Roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check

(01:32:48):
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out Now three O three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Okay, Tom Martino here, I got Jennifer

(01:33:15):
on the line, and I guess we're done unless Jennifer
has any questions. Dan McKenzie mackenzie law. If Jennifer, let's
just say she's in the will, she wants access, there's
nothing she can do legally to make the family let
her visit, right, I mean, Dan, there's have you ever
had situations like that where someone calls and says, my

(01:33:37):
best friend was taken away and they think I'm taking
advantage of her and I want to see her. I mean,
there's nothing in a state law that can make someone
give you access to someone, right, makes me.

Speaker 14 (01:33:50):
A challenging even for like grandparents trying to visit their
own command children. So no, it's not a family member.
I'm not aware of any way to force that issue.

Speaker 4 (01:33:59):
But Jennifer, for the good news is you probably have
a right to see the will when someone dies and
if you think you're going to be part of that will,
and that will can't be changed unless, of course, she
changes it herself, which of course she could. You know,
you're afraid, Jennifer, what that the siblings are taking advantage

(01:34:21):
of her and they're afraid you're taking advantage of her.
Is that what it boils down to, Jennifer.

Speaker 6 (01:34:28):
I guess roughly you could say that I just am
afraid that they're violating her rights to her own choice
of living her life out in her condo.

Speaker 4 (01:34:37):
And you know, and that's the sixty four thousand dollars
question and the issue with all estates, you know, Dan,
I can't tell you how many times we've had calls
from friends like Jennifer. She's not the only one who
say she was put in assisted living against her will,
or she's they're holding her against her will, or they're

(01:34:59):
not letting her see her friends anymore, you know, and
maybe maybe you know, like we had a woman who
literally would go gambling at Blackhawk with her friends. She
loved her friends and she loved doing it. And we
finally got in to see her at this assisted living place, which,
by the way, the family forbid her for having visitors,

(01:35:19):
and we finally got an attorney and got access to her.
I remember this, and when we finally got to talk
to her, she said, look, I don't want to be here.
I want to be back home, and I want to
go gambling with my friends. And guess what, the judge
ordered them to let her go because she was of
sound mind and she was being kept beyond her will

(01:35:44):
and the nursing home wouldn't let her call or talk
to anyone. Then, you know, there are a lot of
situations like this. I told you, the whole area of
your law is weird. The whole area it's.

Speaker 14 (01:35:58):
Super I mean, you know, I sometimes just ponder, you know,
is there a better way to do this? And you know,
I mean, every country has its own. There's lots of
other systems out there, but you hear them and it's
just like they all have their problems. I mean, I
think if she really thinks that this woman is being
abused or something like that, she could apply to trend
conservator or guardian.

Speaker 4 (01:36:19):
Yeah like that? No, No, I get it right. She could, Jim,
you know, you could bring an action in court, Jennifer,
you could, Okay, Jennifer, I think we've exhausted this with you.
I just wish you the best, but there's probably not
much we can do unless you want to hire, like
you know, a three three C plans, hire an attorney
and have make a motion to be a conservator or

(01:36:40):
a guardian, make an argument that it would be to
her best interest. The courts may listen to that. Okay, So, Bo,
did you say quickly? You have a question? Make it quickly? Okay,
quick Dan.

Speaker 12 (01:36:54):
She mentioned she took a picture of the holographic addendem
or cod to sell to the will. So if the
original gets lost, would the courts validate a photograph of
a holographic addendum or a will or god to sell.

Speaker 4 (01:37:11):
The O they?

Speaker 14 (01:37:13):
I mean, you know, they generally want the uh uh,
the original. I guess if there is no original that
the thing they presume is that if there's no original
because the person destroyed it or got lost and say, well,
why don't you have the original?

Speaker 12 (01:37:27):
But would a photograph be sufficient a cell phone photograph.

Speaker 14 (01:37:31):
I mean you could try and submit it and say
we don't have the original because it got lost in
the move or something like that. But this is what
she wanted. I don't know, I don't that seems like
it would be a difficult.

Speaker 4 (01:37:42):
Yeah, we gotta, we got to take this break. I'm
Tom Martinez. Got more coming right up. Go with a
sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an
insurance check up, free no obligation comparison call Compass Insurance

(01:38:06):
paying too much your coverage at dozens of insurance companies
find out now three oh three, seven to seven to
one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino here, Welcome

(01:38:26):
to the show. Three O three seven one three talks
seven one three eight two five five. All right, for
the first time today, we have some open lines you
can get right through, and of course we have another
hour Togo. We have bob Logan with us from Plumbline Services. Bob,
we we touched on this topic and I really want
to explore it. So there is a general move in

(01:38:49):
all things to be easier and better on the environment.
Of course, we all should have concerns with the environment,
whether we hop on the climate change bandwagon or whatever.
I think we can all agree that we need to
be good stewards of our environment and the earth. I mean,
we all know that. Now. What I'd like to know though,
in general, is what about the heat pumps and how

(01:39:16):
is that technology better for the environment when it comes
to the heating and cooling of a home.

Speaker 10 (01:39:25):
Yeah, so supposedly the burning of electricity is much cleaner
than the burning of gas for the environment, or oil
or heating oil backing, whatever you might be using.

Speaker 4 (01:39:38):
So the generation of electricity, they don't take that into
consideration when they talk about green or do they.

Speaker 10 (01:39:47):
I don't think they take in everything into consideration. It's
a lot like electric automobiles. We've all heard of, you know,
mining the lithium for the batteries and all the batteries
right and take it off of coals or charging enough
coal and the harm that that's doing to our environment.
So you know, yes, burning electricity is a much cleaner process,

(01:40:10):
but whether it's.

Speaker 4 (01:40:12):
Actually I think overall electricity in general, the production of electricity,
it probably has less impact on the environment than direct
burning a few I mean, I don't think everyone's wrong
in that. I think with electric vehicles versus efficient gasoline
via because we might have some arguments there. When you

(01:40:35):
take all things into consideration, I think you go with
a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance checkup free, no obligation. In comparison, call Compass
insurance paying too much your coverage at dozens of insurance

(01:40:55):
companies 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 estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Yeah, Rita, you need

(01:41:18):
so you don't have.

Speaker 2 (01:41:21):
Come a run in Just as as we can show
Shooter's gonna help come.

Speaker 3 (01:41:28):
Dix is the Troubleshooter Show. Now Tom Martino, Hey.

Speaker 4 (01:41:34):
Tom Martino here, Welcome to the show. Three all three
seven one three talk seven one three eight two five five.
Loope is on the phone. Go ahead, what's going on?

Speaker 17 (01:41:46):
Hi?

Speaker 8 (01:41:47):
Tom, Thank you for taking my call.

Speaker 4 (01:41:49):
What can we do for you?

Speaker 8 (01:41:52):
I'm trying to get some information, suggestions or referrals from
you for my son on getting a.

Speaker 4 (01:42:02):
Loan.

Speaker 6 (01:42:02):
He has a loan, a mortgage loan, and he wants.

Speaker 8 (01:42:05):
To get like sort of like an equity loan. But
he thought he would refinance and get cash out. But
he's having a lot of trouble. He's checked in a lot,
a lot of places because this is a manufactured home
that is on a permanent foundation, and it's in a
housing development called Prairie Greens in Frederick.

Speaker 4 (01:42:26):
And it is and what is he having Is he
having trouble? Hold on? Is he having trouble because of
the type of construction.

Speaker 8 (01:42:35):
No, it's because it's on lease land and so they have.

Speaker 1 (01:42:38):
Ah so he's paying a lot rent and so so
if they have to foreclothes on it, then they'd have
a problem.

Speaker 4 (01:42:50):
How are other people doing it? I mean, how in
general is this place being financed? In general? Do you know?

Speaker 8 (01:42:58):
Yeah, he's got a regular MORTGAGEE originally went through American
Financing America.

Speaker 4 (01:43:03):
Okay, so he does have a regular mortgage loan. He
has a regular mortgage loan, but he's having trouble getting refined.
Is that right?

Speaker 6 (01:43:13):
And you know and just because.

Speaker 8 (01:43:14):
He wants to consolidate bills, he wants to get cash
out to pay those bills and just have le Okay.

Speaker 4 (01:43:19):
Here's what I'm saying.

Speaker 13 (01:43:20):
How we got the original loan on least property?

Speaker 4 (01:43:23):
I don't understand it, neither do I, Loupe. I want
to ask you a question. Is he having a problem
because he wants cash out? Or is he having a
problem because it's a manufactured home on least land?

Speaker 8 (01:43:39):
No? I think the problem is is because they say
he wants cash out.

Speaker 4 (01:43:44):
But can we call John? Can we call John Clay?

Speaker 5 (01:43:49):
I've got a question though. Is it I don't know
if you know the answer to this, but is it
a modular home meaning it's built to the exact same specs?
Is a stickover or a residential building code? Or is
it a manufactured home like a trailer or mobile home
even though it's sitting on a foundation? What is it?

Speaker 4 (01:44:09):
Yeah? Do they how do they build it?

Speaker 8 (01:44:12):
I'm not sure, but I think it's a manufactured home.

Speaker 5 (01:44:15):
Okay, that could be the other issue of getting a loan,
because there is some products out there for trailers. There
definitely is. But if he's trying to refine a trailer,
I mean, well, let's get john on like you said.

Speaker 4 (01:44:29):
Yeah, I would even.

Speaker 8 (01:44:31):
Know if they could just do like a home equity
instead of refine. He has a great rate like two
point something, Well, it's all.

Speaker 4 (01:44:38):
The same a loans of loans alone. Yeah, they still
have to have the underlying security. So if he has
a good rate at put two point nine and wants
to keep it to do a second, they would still
have to have a deed of trust, which means there
a deed of trust. Is very interesting on land that
is not owned, it's so loupe. So are these homes

(01:45:02):
presumably sold and bought under market because the land is
not owned?

Speaker 8 (01:45:09):
You know that.

Speaker 4 (01:45:10):
I don't know.

Speaker 8 (01:45:10):
I've been wanting to go to their office and ask them.

Speaker 13 (01:45:13):
What's it called again? I just want to look up.

Speaker 4 (01:45:16):
Did you say prairie greens.

Speaker 8 (01:45:18):
Prairie greens.

Speaker 4 (01:45:19):
Prairie greens. Yeah, that sounds you know, I know that
the concept to me sounds pretty good. I see prairie
green's homes.

Speaker 5 (01:45:32):
It's a manufactured home community, so I do know that
like John does do some manufactured home loans, so he
might be perfect for this.

Speaker 6 (01:45:43):
Oh that would be great.

Speaker 4 (01:45:45):
But I'm not sure about the cat. I'm not sure
about the cash out. Yeah, it looks like it. But
but but Mark, they're way bigger. They're way bigger than
mobile homes though. They're way bigger, and they have garages
and they but are they way cheaper, yes, and that
they're way cheaper than regular homes, way cheaper. They're half

(01:46:08):
the price. Yeah, they are, and they look they look
pretty nice. I mean, you know it's look, we're gonna
have to come up that. Let me just tell you something.
When you take away the dream of home ownership, it's
a big issue in America and we're having more and
more problems with people finding a home. I mean, it's

(01:46:32):
getting to be cost prohibitive for regular people, and you
have to have homes that are affordable for regular people.
I just mean that sincerely, and I mean regular, that
the big chunk of middle class that own homes or
that want to own homes. Now it's now becoming cost prohibitive.

(01:46:53):
For God's sakes, it's almost impossible. I was thinking of
wouldn't it be nice if you had a condo project,
let's say, and inside the units, each unit you would
buy forty or sixty percent of that unit instead of
one hundred percent, and the developer would own the other

(01:47:14):
and retain ownership. And then you'd both benefit from the
appreciation in the marketplace. But it would make your initial
cost of getting in and maintaining a lot cheaper. It
would be like a shared equity condo development. I thought,
what a cool idea that could be. But we're gonna
have to We're going to have to see more creative

(01:47:36):
ideas for people.

Speaker 5 (01:47:37):
What are those loans called where you don't know the property?
Is it a channel loan?

Speaker 4 (01:47:43):
I have no idea. I mean, I don't know what
kind of loans she got with American financing. I have
no idea. Oh, John is here, John with CMG Mortgage. John, listen,
when you have a community where the homeowner owns the
home but not the lot, and these homes you can't

(01:48:05):
move by the way, they are absolutely exactly like they.

Speaker 13 (01:48:09):
Are the homefactured, John Day, are not modular.

Speaker 4 (01:48:13):
Yeah, they're manufactured homes. They're they're on the lot permanently
with a foundation permanently. It's not a mobile home park,
but the lots. Let me loupe, your son pays a
lot rent every month?

Speaker 6 (01:48:30):
Yes, he does.

Speaker 4 (01:48:32):
By the way, do you know how much the lot
rent is? Out of curiosity? Do you know?

Speaker 8 (01:48:37):
It's like seven or something like that.

Speaker 4 (01:48:41):
And then the home loan is on top of that, right, yes, John,
What kind of a mortgage would someone get for a
community like that, Well.

Speaker 15 (01:48:53):
It's you know, the lot, it's you know, a least
above ground, so the ground lease. And so really with
these specific how it was written up and how the
community does it, I mean they have to.

Speaker 4 (01:49:04):
Well, but do you have a product if they wanted
to refly with you, do you have a product like that?

Speaker 15 (01:49:12):
We have we We would really just have to really
get the least the ground least information first from it
for our condo. Basically we'll call it under it it's
a plan in development or condo approval. So, okay, get
how that lease reads. So you send that over to
me and I can send that up to our condo

(01:49:34):
department and see where we can go with it. But
it will be dependent on how the which it sounds like,
you know, if you've done it. They may have done
it the correct way. So we just got to look
at what that ground lease looks like.

Speaker 8 (01:49:49):
Will they do it as a refit with cash out
because he wants to consolidate bills?

Speaker 15 (01:49:55):
I mean, if you fit certain criteria. Yeah, And again
I don't know off the top of my head. Like
I said, the first I would like you to do
is send me over the you know, the least there's
got to be nature a or something that controls that
ground lease.

Speaker 6 (01:50:09):
That.

Speaker 4 (01:50:10):
Yeah, he has to see the ground lease. Loope. And
as far as cash out, John in general, in general,
when it comes to refis and then refis with cash out,
is there a different classification when someone wants cash out
or does it all go to loan to value? Is
it basically loan to value and if there's any left

(01:50:32):
you can get it in cash? How does it work?

Speaker 15 (01:50:35):
No, I mean cash out. You know, if you if
you stay below a certain loan to value, it's the same.
But as soon as you go above let's say sixty
percent loan to value, your rate's going to be higher.
And you can go up to eighty percent. But the
higher you go, the higher the rate's going to be
when you take cash out because it just you know,
there's less equity in the property type.

Speaker 4 (01:50:57):
Of Okay, so the more cash you take out, the
more cash you take out, the higher the rate's going
to be, higher the risk.

Speaker 16 (01:51:05):
Yeah, yeah, on the loan.

Speaker 4 (01:51:09):
Okay. Loupei uh Partner Partner and Lending dot com if
you need to get a hold of them, they're at
three ozho three five seven seven seventy two oh six.
And thank you, John, I appreciate you being here three
oh three seven one three eight two five five. By
the way, Denver Regen dot com, don't forget. In addition

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dot com to list your home with Remax Alliance three
three nine to zero sixteen twenty two. Marchino here, and
we have Mike with us who said that he's developed
a lot of these communities. Did you actually develop Prairie Greens?

Speaker 15 (01:52:36):
Yeah?

Speaker 16 (01:52:37):
That I'll give you a quick background on this. Back
in around two thousand and three to five, certain communities
that would have modular, not double wide, manufactured homes built
to Hudge standards. We developed a program because I worked
for a manufactured home community with Freddie and Fanny, so
that we could perfect the leans and actually do mortgage

(01:52:59):
lending for homes and land leased communities that were modulars
placed on a permanent foundation. And that's what this young
lady has. One of the communities, and I'm not sure
it's probably one that we own. I'm no longer with
that company. It got sold, But I worked with Freddy
and Fanny to develop the Lean Perfection to mortgage program
and then what ended up happening. We had select lenders

(01:53:21):
like Wells, Fargo, et cetera that would actually you know,
make the mortgage loan, they'd sell it to Friday and Fanny,
and then Fredday and Fanny came out in two thousand
and seven, two thousand and eight when we had the
sub power lending crisis and they could not get this

(01:53:41):
mortgage program reapproved.

Speaker 4 (01:53:44):
Okay, so it ended.

Speaker 16 (01:53:46):
So it was a debaco what ended up happening a
lot of the owners of these communities.

Speaker 4 (01:53:52):
It ended up.

Speaker 16 (01:53:53):
Providing the moneies, the mortgage finance monies to people who
wanted to buy in their commune and they would hold
the paper. And one mortgage company out of Tennessee called
Vanderbilt Mortgage that was a very large, you know, manufactured
home community owner as well as lending institution, and because

(01:54:16):
they were comfortable with those mortgages, they were the only
ones we knew of that continued to actually fund those
type of mortgage loans on modulars and permanent on permanent foundations. Now,
in regard to doing a refine cash out that stuff,
we didn't even have that program when we made the

(01:54:37):
initial loan way back when in two thousand and five, six, seven, eight,
et cetera. Okay, we did have home sale mortgage financing,
but we did not have a refinanced mortgage program even
way back then, and I doubt if they even had it.
And I don't think they even actually have mortgage lending

(01:54:58):
unless it's through some actualty lending source like Vanderbilt or
the community owners that actually funded because they need home
sales and occupancy in their community so that they can
collect the land lease, stayments and so forth. Right, that
type of part thing dried up.

Speaker 5 (01:55:17):
Hey, Mike, you said one of the first things you
said is it's built a head code. I get that,
but it's not built a local code. I guess I'm
not understanding. Are you saying prairie greens?

Speaker 4 (01:55:28):
You know?

Speaker 16 (01:55:29):
Stick build homes are built to what is the name
of that nationwide codes that stick build homes are are
built to. The modulars were built to the same stick
built home federal guidelines. Okay, And what would happen is
these homes would be shipped on flatbed trucks and craned

(01:55:50):
onto the foundation. They'd come in multiple sections, okay.

Speaker 4 (01:55:54):
Did they move to chassis to be no chassis, no chassis.

Speaker 16 (01:56:00):
Delivered on a plantbed truck. They were not a mobile home,
which is delivered on a chassis with feeling axles. Okay,
that's a hut home. Okay, and you had a different roof, pitch,
et cetera, because it was built to the same federal
code as stick built homes. Okay, okay, And that's why
quantified to get mortgage financing, because we had a modular home,

(01:56:23):
not a mobile home, manufactured home built the right.

Speaker 5 (01:56:27):
Yeah, that's what I'm saying, though, But when I look
at prairie greens, everything that I'm looking at says these
are manufactured, not modular. In fact, they're saying they don't
even allow modular.

Speaker 16 (01:56:42):
There might be some a few communities. God, I'm sort
of surprised that allowed manufactured homes to have, you know,
the wheels and actuals and the frames inserted into a
permanent foundation. And they did some mortgage financing. But those
were fire and you between if they got approved. Okay,

(01:57:02):
those communities.

Speaker 5 (01:57:03):
Yeah, I get you.

Speaker 16 (01:57:03):
But the majority of the communities that got mortgage financing
from Fanny and Freddy had to have modulars on permanent foundations. Okay,
but there may have been a couple.

Speaker 4 (01:57:17):
So are you saying, are you saying if someone went
out to buy one of those homes today, Let's say
on a resale. Would they be able to get a
loan from Fanny or Freddy or not a conventional loan.

Speaker 5 (01:57:30):
Like CMT's got products for this time, But they are
very specialized and I don't think they're backed by anything
government now.

Speaker 16 (01:57:39):
So, Mike, so longer an outlet to purchase those loans
from the lenders. If you have some specialty lenders, they're
holding the paper themselves.

Speaker 4 (01:57:47):
Yeah, but that could be okay, that could be still
a good investment. Though.

Speaker 5 (01:57:54):
I love the idea looking at this over not just
buying one house in there, but owning a community like
this time. You know, I've talked about nice mobile home parks.
I've always wanted to buy one, a nice one where
people can be proud to live in.

Speaker 4 (01:58:09):
This kind of community looks awesome.

Speaker 16 (01:58:12):
Now, that looks like And we had them in Florida,
we had them in Arizona, we had them in California
and Michigan. There were select states that had some very
nice communities.

Speaker 4 (01:58:23):
Well, why has the luster worn off?

Speaker 5 (01:58:27):
If you could, he just said it because of the crash.
The banks got a little nervous, they lost money.

Speaker 16 (01:58:33):
Eighth, there was nobody the spearhead and get Freddie and
fandy to come back into the market because lenders want
a place to unload the mortgage a long and get
their fee income. Okay, but they don't have that outlet
no more, So why are they going to offer it
and they don't want to warehouses?

Speaker 4 (01:58:49):
Okay, I get what you're saying. I get what you're saying.

Speaker 5 (01:58:52):
Hey, one thing, when our lender was on I'm talking
to the caller right now, So when our lender was
just on Mike, he said, he almost they've got a
division that almost looks at it is like a condo
because of course you don't own the land in the community.
Are most of the ones that you have done? Is
it like a ninety nine year lease? Or how did

(01:59:13):
it work to where the lender did feel good that
if the guy gets behind a day or something, they're
going to like kick him out of the community, then
no more house payments?

Speaker 4 (01:59:23):
I mean, how did that look right?

Speaker 16 (01:59:25):
Well, when happening, you end up having up to thirty
year financing on the mortgage side. But the lease could,
if I recall correctly, like you said, could be like
a ninety nine year lease, so that you don't have
or at least maybe it was more five to ten
years longer than the mortgage loan. The lease had to be.
And I'm trying to go back in the memory banks.

Speaker 4 (01:59:47):
There, but it has.

Speaker 16 (01:59:48):
But you're right, it's like a condo. Hey, if I'm
going to lend money on a condo, people are going
to pay a six hundred dollars a month condo fee
plus their property taxes. That's what these people are doing.
They're actually right in paying their property tax because those
homes are taxed in addition to the way and least payment.

Speaker 15 (02:00:10):
Right property, they got both.

Speaker 16 (02:00:12):
They got property tax plus MOLA.

Speaker 4 (02:00:14):
You know what.

Speaker 13 (02:00:14):
That's almost like an airplane hangar on.

Speaker 4 (02:00:16):
Tom right right right? That sucks.

Speaker 5 (02:00:21):
What happens, say all the property taxes but you lease it.

Speaker 4 (02:00:24):
It's insane. Yeah, we're leasing the land. We own the hangar,
we lease the land and uh and it is weird
the taxes on it right right? And Mike, I want
to ask you about a concept. Then I had a
concept of having, Uh, if you could picture a condo development.
Let's say, you know, pick your number of units, it

(02:00:46):
doesn't matter, but just say a building of condos where
the developer h or the financiers they maintain ownership of
a certain percentage of each condo to make the entry
level cheaper and to make the cost of living cheaper.
Where you pay this hoa fee which includes your rent

(02:01:10):
of the percentage you don't own, and then you both
both the developer and the owner benefit from equity appreciation.
Would a concept like that ever work.

Speaker 16 (02:01:24):
Well, I doubt it because I think the mortgage lender
who's going to actually have the loan is, you know,
the people that are going to have equity interest in
there have to be on title. So if you think
that the mortgage lender could save the entire community a
hundred homes, one hundred condos, that he's going to be
an equity owner and be part you know, on the

(02:01:44):
on the deed along with the purchaser and there's going
to be a percentage share, that would be difficult for
the mortgage lender, you know, to.

Speaker 5 (02:01:54):
It wouldn't make sense.

Speaker 4 (02:01:56):
They wouldn't finance it. But if the developer had funds,
they could finance it, and it could be a use
of funds, it could be a return on investment of
those funds, right as opposed to conventional lending.

Speaker 16 (02:02:09):
Or you got to worry about the future sale, so
he finances it initially, just like these right now, there's
several of these communities where the owners of the communities
have to have the find or the financial wherewithal to
provide future financing to future residents. Okay, right, or somebody.

Speaker 5 (02:02:29):
Dies, So you're very limited in who you can sell to.
I mean that's the main thing.

Speaker 4 (02:02:35):
Yeah, So you're you're definitely so, Mike, so guy in
So these are a thing of the past right now,
is what you're saying. Yeah.

Speaker 16 (02:02:45):
Yeah, And what you do is like, uh, is that
mark you're a partner there?

Speaker 4 (02:02:49):
Yeah, I said, yes.

Speaker 16 (02:02:51):
There's some specialty lending organizations charging higher interest rates probably
still doing it, uh, or the owners of the community
have got lines of credit with some backers that are
providing that buying.

Speaker 5 (02:03:08):
It's almost like, I mean, honestly, god, it's a mobile
home park at this point. That's it's almost identical.

Speaker 16 (02:03:14):
Yeah, because Bridy and Fanny pulling out because I mean,
lenders will be more happy to lend as long as
they got to come to it to get rid of
the loan.

Speaker 4 (02:03:25):
Right of course, of course, and we got to take
this break. I was curious, though, what kind of loans
do people get on Mobile homes Mark, they get, they get.

Speaker 5 (02:03:36):
I think I think John called him a chattel loan,
So you're basically it is literally on the product. And
if you go generally to buy a new single wide
or double wide, you're buying it from the manufacturer who's
holding the note.

Speaker 4 (02:03:50):
We got more coming up. Go with a sure thing
Denver's Best Ruffer excel Room dot com. You don't pay
a cent until you're content than time for an insurance
check up free no obligation comparison call Compass Insurance paying

(02:04:11):
too much your coverage at dozens of insurance companies find
out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hey Tom Martino here, I'm with bob

(02:04:31):
Logan plumb Line Services. We have a breaking the calls.
If you want to get through, we got a few
minutes left.

Speaker 13 (02:04:37):
See several Bob, are you still doing?

Speaker 5 (02:04:39):
I know it's wintertime, everybody's thinking about frozen pipes and furnaces.
But after Thanksgiving and everybody putting crap down their garbage
disposal for a solid day or two. Are you guys
still doing the ninety three or free for the drain cleaning,
because that's the best deal I ever got.

Speaker 10 (02:04:58):
We are, yes, ninety three dollars that includes the trip
out there, so there's no additional charge ninety three to
run any drain in your house. And if we can't
clear it, the call is free. Of course, if we
can't clear it, that means there can.

Speaker 4 (02:05:11):
Get a free You get a free.

Speaker 10 (02:05:12):
Yea, we get a free estmate on what we get
a free estmen on what it would take to repair it.
But ninety three or free.

Speaker 5 (02:05:19):
I love it, O, Tom.

Speaker 4 (02:05:20):
I thought I thought I was swear.

Speaker 5 (02:05:22):
I swear they were going to say, oh, you got
a problem with the septic or something, based on two
of their guys in and hooked up this equipment, put
on their booties and all this stuff, and man, I'm
telling you, we had a perfectly running drain within an
hour and fifteen minutes, a full explanation.

Speaker 4 (02:05:39):
Ninety three bucks. Ninety three bucks, ninety three bucks.

Speaker 10 (02:05:43):
And that's you know, ninety ninety five percent of the
homes we go into, they get that same exact experience.
Of course, the other five or ten percent, unfortunately, do
have an issue like a cracked pipe or roots in
their line or something.

Speaker 5 (02:05:55):
But you, guys, and there's on the camera down and
figure out and give it, give an estimate.

Speaker 4 (02:06:00):
Yes, no, by the way, that's what's even crazier. By
the way, that's right. If they if they can't free it,
they give you an estimate. It's free. Here's the thing though,
about the whole category of plumbing drains. There we have
found over the years so many ripoffs in the area

(02:06:21):
of drains. Okay, the first and most obvious ripoff, they
lie to you. They simply lie to you about where
the block is, if there's a block. They even go
so far some of these in the past.

Speaker 5 (02:06:37):
Fakes exactly he's going to say, fake video.

Speaker 4 (02:06:42):
Yeah, yeah, exactly. Well, why am I getting an echo
all of a sudden? Okay, sorry that.

Speaker 10 (02:06:51):
And I haven't heard of that lately, but no, no,
not lately. But that's what.

Speaker 4 (02:06:55):
Then another one.

Speaker 10 (02:06:55):
That's why it's important when when somebody is out of
your house with a camera, make sure the camera starts
and turns on either inside your house or showing the
front of your house with your address before they go
down to the sewer line.

Speaker 4 (02:07:10):
Got it.

Speaker 10 (02:07:10):
So it's one continuous video showing that it is actually
your house.

Speaker 5 (02:07:16):
And I'll say this, it's more rampant than people know.
There's companies out there that literally will run out. You'll
think they're filming and then they'll show you the crack
right in the video on their little thing. But it's
the same video they showed everybody. It's just all right,
it's affect the life.

Speaker 4 (02:07:34):
Here's the other thing. When it comes to actually getting
the work done. Some of these people are brokers. They
go out and book the job, but they don't actually
do the job. They just mark up the job.

Speaker 10 (02:07:47):
That's the majority of people.

Speaker 4 (02:07:49):
And they don't have their own that I'm not saying,
but yes, we have all of our own.

Speaker 10 (02:07:57):
Bacos are not operating.

Speaker 4 (02:08:01):
Pain in the so you have your own heavy equipment.
All that's like an entire business within itself.

Speaker 5 (02:08:07):
I've been out on site on a job Plumbline was
doing and I'll tell you what blew me away is
when they when they trenched that for a sewer line
rerun or repair, whatever you want to call it. It's
crazy just to get down in the hole. They got
to make sure it's safe. It's nuts, looks it's crazy.

Speaker 4 (02:08:26):
Yeah, what's your question for Bob for plumb line services?
Go ahead?

Speaker 20 (02:08:32):
Yeah, I was wondering if if he comes to this monument.
And my other question is, you know, my powatered tank
is ten years old. There's no problems at this point,
but I'm wondering if I should replace it because of
what you were talking about earlier, with that new regulation
coming in.

Speaker 10 (02:08:52):
Those those are great questions. Unfortunately, we do not go
to monument yet. And I say yet because two years
ago we didn't go to four Call and Grillly.

Speaker 4 (02:09:00):
In Love and we have a great company though to
refer you to down there, Yeah Smith Smith Smith right Smith.
Good people.

Speaker 10 (02:09:08):
Yeah, they're good people. And and yeah, when you're at
ten years, you know, if you if you've flushed that
thing every year and and you yeah, but you're coming
up on it, you're getting close to the end of
the life.

Speaker 4 (02:09:20):
In fact, with the cost of replacement, I would definitely
do it before the first.

Speaker 10 (02:09:25):
I would recommend it unless that thing's in great shape,
because you have when you're when you're at.

Speaker 4 (02:09:30):
What size do you have, David, I think it's a fifty.
You know what, Smith will give you the best price.
They absolutely will.

Speaker 10 (02:09:40):
Yeah, and they're good. They're good people down there, they're.

Speaker 8 (02:09:44):
So gas.

Speaker 4 (02:09:47):
See that's another thing. What about brandan there's not much.
It's there's not much two water heaters though, right, there's
it's not go ahead.

Speaker 10 (02:09:57):
There are some differences. So you want to you want
a commercial brand because uh, some of the residential brands, well,
I'll just say go with the commercial brand, like like Aosmith, Bradford,
White State, those are the those are the brand's remakes
a really good they make a cheaper residentials water heater

(02:10:21):
and they make a commercial water here. So get a
get a good commercial brand for your house. And and
you can't go wrong as long as it's installed by
the by someone who backs it up, pulls permits and
does all the right stuff.

Speaker 4 (02:10:35):
All right, we got to take a quick break. All right,
Thank you very much, uh David for calling. We have
more coming up. Three oh three seven one three talk
seven one three eight two five five listen Wave Eightcapital
dot com. I want you to tune in there. That
is my website for my company, a registered investment advisor,

(02:10:55):
and I'm a representative of that company. And what we
prod ourselves in is being unlike ninety eight percent of
the industry. We personally get involved in your portfolios and
help you with investment decisions or do it for you.
But it is personalized attention. We do not just forward
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(02:11:18):
direct attention to your wealth management, then give us a
try at Waveeightcapital dot com three oh three seven seven
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