The Troubleshooter 4-9-24

Episode Transcript

(00:00):
Y'all ripped news, You need advice? Who you don't have? Come running
successes? We can show Shooter's gonnahelp come man. This is the Troubleshooter

(00:22):
Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three oh three seven onethree talk three oh three seven one three
eight two five five. What's goingon in your life today? Don't sit
on problems, questions, complaints,curiosities, paints in the ass. Do

(00:47):
something about it. The only placereally where we discuss this stuff. Think
about that. Today We're gonna betalking a little bit about taxes because we
have a few days to file.Of course, we can also do an
extension. I imagine a lot ofpeople do extensions. What is on your
mind? Well, here's the dealwe have Steve Saysik with us from Larson

(01:07):
Tax Relief. I don't know ifit's safe to call them a tax attorney,
but that's his area of specialties.Wouldn't that be what you call Steve?
What you call yourself? Yeah,I mean I work with I am
an attorney, and I work withLarson as an enrolled agent for their collections.
Some things that man nature. ButI also have an attorney yeah,
and so you have handled tax casesand you negotiate with the irs, and

(01:32):
what's the most common issue collection forus? The stuff that Larson handles is
typically nine forty one, which isthe wage and withholding return. Oh that
one. Yeah, that's that's forat least for me and myself. That
what does that mean? Nine fortyone? So when you're in business,
you file at nine forty one?What every quarter? Is it? Yeah?
You file those every quarter for thatIt tells you how many employees and

(01:53):
how much you pay, and thenthey tell you how much you owe.
Right, so you're supposed to takemoney out of your employees paycheck and you
tell them that, right, Plusdon't you have to match it or what
do there's a portion of that youhave a corporate portion, you have a
matching portion as an employer, andthat's called the part you put into that
fund then or you collect as atrust exactly correct, And that's held in
trust for the state, seld andtrust for the employee. Right right,

(02:15):
then you pass it on data dayrs that amount that you say, I'm
going to pay you fifty bucks,but you're only getting thirty six because I'm
going to hold this for your taxes. Now, if you in the past,
we've had Don Iiley, this guy, it was the famous case.
I know you guys took a lotof their cases and helped people. But
what happened was Don Ailey was famous. He made this famous. What he

(02:36):
did was he would get nine fortyone reports from his clients. So he's
an accountant, right, So hisclients ABC and X y Z would report
the accurate number of employees, theaccurate number of withholdings, and they would
forward to check to his trust accountright, and they expected or they'd give

(02:57):
him access to their own accounts andstay with from market. He was in
charge of making the nine forty onesfor his clients. That's not unusual to
have an accountant do a nine fortyone for your business. Sure, payroll
companies do it all the time.So he, in essence was a payroll
company for the kind of you.So he would do all the legal stuff.

(03:17):
But so what he would do istake company ABC or XYZ who reported
all of the accurate stuff and reportthat they had no employees or few employees,
sure, and pay into the IRSon the nine forty one what appeared
to be the correct amount for whathe reported correct, So there was levels

(03:40):
of fraud there. So it wasreally so there was no way for the
irs to know that there was anyfraud going on because the CPA is filing
saying, here's how many employees,here's what we owe, here's the check.
Right then the employer would not knowbecause they're never going to get a

(04:00):
notice of any deficiency. Sure so, and the employer as seeing the money
come out of their bank account.Okay now, and I should get it
on a wide shot here since you'retalking. So here's what I want to
know, Steve. How does thatcome crumbling down? I forgot how we
I don't know Mark. Are youthere right now? I don't know if
Mark is there. I don't seehis camera. But how does that come

(04:20):
crumbling down? Somewhere along the line, Company ABC found out they had inaccurate
nine forty one if I remember correctly, it was an audit of Company ABC.
And so when they turn over theirp and L and their books,
they say, we have X amountof employees we've been deducted. And then
they look at the nine forty onesay, well, that's not what you've
been paying exactly, and they said, oh, yes, it is here

(04:42):
are the checks we wrote two ouraccountant and they trace that back and then
they go to the accountant and say, wait a minute, mister accountant company
ABC wrote you a check for onehundred grand. You wrote the IRS a
check for fifteen right, and youkept eighty five exactly. He's in jail.
I don't know if he's actually stillin jail. He was in jail.
They don't keep people in jail along time for this kind of crime.

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And then we figured he had abouttwenty million dollars that he pilford from
people. Now I don't know whathappens in these cases. Does he have
to pay that back eventually? Becausehe'll never pay it back? Yeah,
I mean there's did he stash it? Do they look where he put it?
I mean, I'm always fascinated byfraud because I think in some cases

(05:25):
fraud can pay because you go tojail. Mark and I used to bat
this around. Would you go tojail for X amount of dollars for so
many millions of dollars a year?So when you come out you have a
stash somewhere. I don't know,I mean, I don't even know.
Do they make reimbursement part of it. So disgorgement is a part of the
judgment. I would assume I haven'tlooked at the touch against him, right,

(05:46):
But you know, at the endof the day, the irises can
say, you have a fine enoughX amount of dollars and you're gonna pay
it for you know, the restof the results life. But if he
has got Allion Camans or nick aArraguar or whatever they're doing these things,
and if he was fairly intelligent aboutit, which sounds like he was,
I think that it's it's not avictims victims crime. He's you know,
he's killed all the businesses. Andthen maybe it was responsible for what when

(06:09):
a company, When a company hasnot paid well, when a company did
pay their accountant everything they owed,then the I R S up makes it
makes a claim so that employee.Does that employee have to pay again if
wages, I don't think they do. If it was withheld, doesn't the
I R S hold them harmlessly?Right? The IRIS is not going to
hold an innocent employee because they infact, what did happen to the companies

(06:33):
that came to you for help?Did they have to pay again? Yeah?
They were obligated Oh, because they'rethe ones. The onus is on
the taxpayer, not so the fiduciarywho screwed them. That was because they
found the fiduciary, so they're responsible. Yeah, But had they not found
it, the company still on thehook for those taxes because those taxes were
due. Regardless of whether that's CPApaid or not, it's sexually for the

(06:55):
employee, they weren't due. Sodoes the employer have to pay their match
only or does the employer have topay everything? So the employer is on
the hook for the corporate their ownportion and then the matching if the company
fails in a lot of cases,but what if they what if they passed
on the client's money which was stolen, Do they have to make up that
client's money that was paid to thegovernment or not. When you say the

(07:16):
client is, well that excuse me. The employee. Sure, So if
i'm with if a thousand dollars iswithheld from me and the company matches that,
I don't know if it's fifty tofifty portion, Well, so the
company matches, and now we're busted. You're saying the employees held harmless.
They don't have to pay another thousand. But do I have to pay their

(07:38):
portion because I squandered it or Isent it to a bad accountant. If
the company fails, the portion thatis the owners are going to be liable
for is the employee's portion. Oh, the company will die and there's no
I know. But in this case, if the company's lived on after don
Eiley, are they responsible for bothportions? Are they holy? So this
could ruin a company. In fact, it it ye company And to note

(08:01):
follow their own other than the factthat this guy defrauded them, and it's
unfortunate and we were able to negotiatethings in those particular circumstances. Are there
then tips we give to companies rightnow, People, if you're in business
and you're using a professional employment groupor HR group or someone to administer your
HR, someone to do your paychecks, to do your nine to forty one,

(08:26):
is it wise every now and thento check and reconcile with the irs.
I think it's not a bad idea. And then also you have to
sign these returns and so you know, we believe that I had it where
he would had like a stamp orsomething he was doing. Oh, so
like it's the levels of see thereturns as file. You can even actually
have them sent them to you gettranscripts from the IRS on what was filed

(08:48):
on your company. Right, it'ssimple bookkeeping, but it does take out
time and effort to do it.We have a lot of business people who
monitor this show, so that's alesson to be learned. Let's talk to
Ulysses. Ulysses, Okay, what'sgoing on? Man? What's happening?

(09:09):
Yeah? Can you hear me?Yes? Now is it Ulysses or Ulysses?
What? Well, it's Lisas Okay, cool, what's going on?
Releases? So I just recently purchaseda home and I, well, that's
kind of good news, I hope. Right, Yeah, it's good news.
But I decided to remodel the bathroomand as I was tearing it out,

(09:31):
I noticed there was a bunch ofmold everywhere. Yeah, and so
I contacted the cellar and say theywere aware of the mold. They said
they weren't, but there was anew carpet installed, and I pulled back
the carpet and well, even ifeven if they were, was that was
that? I don't I'm not awarewas was mold on your disclosure statement?

(09:54):
Yeah? So anytime there's mold,they have to disclose it. Well on
yeah, I think if it's onthe disclosure statement. I'm not sure if
mold is covered by statute, butin any case, it was on the
disclosure statement. And what did theysay on that disclosure statement. They weren't

(10:15):
aware of any mold. That's whatthey said. Now, unfortunately, and
here's what we really need to talkabout. What are your damages? You
would have to say that had Iknown about the mold, I would have
either paid less or I wouldn't havepurchased the property. But is that true?

(10:37):
Where there are multiple offers? Wouldyou have bought it anyway? And
did they know about it? You'dhave to prove it. Here's what I'm
getting at. Most of the time, unless we're talking about a major defect,
most of the time this disclosure issueis not worth going after. I'm

(10:58):
not saying you shouldn't. I'm sayingunless you can negotiate or settle something,
it's almost never worth going after.Okay, because of the level of proof,
how would you prove you're using lot? You're saying, well, if
they did the bad the floor,they would have had to have seen it,
right, isn't that what you're saying? Yeah, what if they say,

(11:22):
well, our contractor never mentioned it, then what In other words,
I'm asking you. I'm not challengingyou. I'm asking you, how would
you prove they knew it. Icalled Home DEEPO yesterday because they're the ones
that installed the carpet and they havepictures where it looks like there's mold,

(11:45):
and I asked them what's their policyon mold? Right, like, what
happens if they find mold when they'regoing to install carpet. They said they're
supposed to report it, and UH, all right, so you have to
get it, so you have,but okay, you have to prove.
Okay, that doesn't matter. Iftheir policy, the homeowner can simply say
this ulysses. I've never ulysses.I've never ever heard anything about mold.

(12:11):
I didn't know it was there.If that guy found it, he never
said anything to me. You literallyhave to prove it. What I'm asking
you is how much extra did itcost you because of this mold? Well,
I haven't taken care of it.Yeah, I'm trying to get it.
How much? Mediator? Okay,don't get someone who's going to rip

(12:33):
you off and take advantage of you. And because a lot of them are
going to tell you, for God'ssake, some of them want you to
rebuild the whole house. Yeah,so just be careful on that. I
would call American Restoration twenty four toseven. I would call him. He's
honest, he'll do mold tests.He'll do the most cost efficient way to

(12:56):
get rid of it for you.Did you already call a mold mitigator.
We got a guy coming to giveus a quote and just to see how
bad it is and what kind ofmold it is, how long it's been
there, but we have a pointment. Okay, good. Would you also
do me a favor? Then?Would you also call his nickname's Rock.

(13:18):
He's over at American Restoration twenty fourto seven. Really, I'd like you
to talk to him because he'll domold testing and do some real stuff and
give you a real price. He'snot one of these people that go in
and exploit. I don't want youto be exploited. I don't want your
fear to make you These companies.A lot of these mitigation companies scare the

(13:41):
hell out of you, So atleast get a second opinion. Okay,
yeah, I'll do that, andthen I want you to call me back
because we're not done yet. Ifit's so obvious, maybe we do go
after the buyer the seller. Imean, but first, here's the number
eight three three seven am rest re s t okay eight three three seven

(14:11):
am rest am rest and it's alsomrs two four seven dot com. It's
called American Restoration twenty four seven.Listen, did you when you mentioned it
to the owner? What did theythe seller? What did they say?
They just said that they didn't haveany knowledge of mold. Okay, see,
okay, so we're right where Isaid we'd be. Call me back,
let me know, and then reallyI'm gonna mark this here so i'll

(14:33):
remember you when you call back.And then then what we'll do is we'll
check with you and see if wehave any thing we can do about it.
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(14:54):
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(15:39):
two. Hi Tom Martino here threeoh three seven one three talks seven one
three eight two five five Non disclosureissues remember they are quite challenging for people
when it comes to real estate.Now we're going to talk about a car

(16:00):
dealership issue, and I want youto call with any issue you have,
and remember this. You can calltwenty four to seven and leave a message
three oh three Martino three oh threesix two seven eight four six six,
And that's really important that you doit and leave a message with your number

(16:22):
and we will get back to you. Also important, check your AC now
your water heater, you're plumbing whateveryou want, any one item, twenty
eight bucks eight eight eight Heating dotCom will come to your house to check
it and service it. So forthe water heater, they flush it and
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(16:47):
you the twenty eight bucks. Youdon't do better than that eight eight eight
heating dot Com. Now, Timsays he has an issue with Planta,
with poxes me Plant Hyundai. Now, I want to say something. We
don't have Planet Hyundai or any newcar dealership on a referral list right now.

(17:07):
But Planet Hyundai as they go isa pretty good dealership. I just
say that up front. Tim,what's going on with him? Hey man,
what's going on with the Planet Hyundai. Well? I was shopping online

(17:29):
and I saw a vehicle that Iliked and they had it advertised after discounts
at thirty six thousand and seven ohseven. I said, thirty thousand seven
seven. Okay, what's that?I'll say you some screenshots of that?
Okay, Now it was on wasit on their website? Yeah? Okay?

(17:53):
So what happened? Well, Icall them up. The reason my
life it so much was because itshowed they have a page on there that
I sent you that says key features. And now what did you find?
What? Excuse me? What whatvehicle was it? I'm not looking at

(18:15):
your ad right now. I willlook at it, but what what was
it? There was a Santa Cruzxlt A Santa Cruz says, okay,
and what was the feature? Youreally liked? But it had the telepackage
okay, and a lot of themdon't. And I'm I'm disabled, So

(18:41):
I was thinking of putting all thoseyou know, scooter carriers on the back
of my vehicle. Anyway, Icalled them up, ready to buy this
thing, and I said, Ijust wanted to check it that you had
it on hand and everything and theadvertise for thirty seven seven and it has

(19:02):
you know, And they said,oh, no, no, no,
no, no, no, it'sokay. I'm looking at the I'm looking
at it right now and the adI'm looking at it. So I see
what you sent here today? What'sthat, sir? It says on the
website today it says thirty seven seven. No, no, I'm not looking

(19:25):
at today I'm looking at what yousent me and I'm trying to find where
it says toe package. But anyway, anyway, go ahead. I mean
it says key features. Oh,I see it, key features, the
AWD blah blah blah, and thentoe package. Okay, So okay.
So then they changed the ad orcorrected it after you contacted, and because

(19:47):
they said to you that would bean extra thousand bucks dollars, but so
would they would they not sell it? Let me ask you this, would
they sell it to you for thirtyseven oh seven? No? What did
they say? It would cost anextra eight hundred? Uh? They they

(20:08):
said it wouldn't have the tow package, but they got down to thirty eight
two hundred and seven dollars. Ibelieve in that area. You mean,
if you wanted the tow package,Yes, I needed I get it.
What I'm saying is and that wouldhave been doctor the manager over there,

(20:32):
and he tells me, well,the tow package just means that the wiring
is pre wired to the back ofthe truck, so that if you decide
to add the trailer hitch a towpackage way, you don't have to run
the wire and all the way tothe front of the truck, which is
bull Well, it depends. Imean, I don't know what their definition
of a toe package is. Imean it's on those sheets there. There

(20:56):
is a chat for the Hyundai MotorCompany. Okay, Tim, Tim,
let's just skip. Let's just cutright to the chase. And it wouldn't
matter what car you're buying and whereyou're buying it. This is called a
misrepresentation of a material fact. Now, if this was a damage thing,

(21:22):
if this cost you damage, it'sconsidered bait and switch. It is not
considered bait and switch if it's amistake, or if it's an oversight or
a misunderstanding. If they did itonce, if they did it on a
dozen vehicles, or month after monthafter month, even after it was brought

(21:47):
to their attention, it would beconsidered egregious or what's called bait and switch.
That's what the f the Federal TradeCommission says. Here is a mistake
a lot of us make. NowI'm not saying you made a mistake.
I'm saying a mistake and impression.We think that when something is advertised,

(22:07):
they must deliver it, and that'snot true. Only if there was civil
damages that you relied on, youflew out there, you made special arrangements,
you lost another deal, whatever,whatever, whatever. But that's only
if it wasn't a mistake. TheFederal Trade Commission and the state attorney general,

(22:33):
all the authorities for the fifty yearsI've been doing this for consumers.
What they do is they give youa break if it's a mistake, and
they look at your pattern. Ifyou have a pattern of doing this,
a pattern of deceit, if youhave a track record of tricking people into
coming to the dealership, then therecould be a problem. Now that's the

(22:55):
law part of it. I don'tmean the law part. I mean the
enforcement part of it. Now,let's talk about the practical part of it.
In my opinion, they should havejust given it to you and and
it should have been a really goodgood will thing, you know. Yeah,
now what I thought that? Now? Mark? Are you there?

(23:17):
Is Mark on today? He justtexted me, is he honor off?
So right now we're a little shorteron accesses. So he's going to come
on a little bit later, okay, because he said something about an experience
with a planet. So Tom,yeah, I want to tell you that
I checked their website today. Yeah, and they have changed the hour price

(23:42):
to thirty seven seven oh seven,but they have not removed the toe package
from the key features. Will theydo it? Okay? Almost? Will
they almost guarantee you that they won'tsell it to you for thirty seven seven
oh seven. Well, then ifthey can keep doing that, that would
be a problem. But here's thedeal. You'd have to show this that

(24:07):
it is a pattern. So here'swhat I'd like to know if they would
sell it for that. But here'sanother thing. Just because the toe package
is considered one thing from corporate,they could consider I mean, I don't
know where you get a definition ofthe toe package at Planet Hyundai. I
don't know, because when I didn't, I got it from Hyundai's motor their

(24:34):
corporate. Well, no, Iget that. I get that. But
for example, I got on atap with it with a fellow. No,
I get that, But they weren'tfrom Planet Hyundai. They weren't.
Did you ask Planet Hyundai before youmade an offer and went out there what
the toe package entailed? I whenI checked to make sure that it had

(24:56):
one, I was going to dothe deal at thirty eight something, and
I think we should have somebody callover there and clarify this. And he
said, no, that tow packagemeans that it's just pre wired. Well
okay, but listen, what I'mwhat I'm getting at is if that truly
is what it is to them.I mean, I don't know what it

(25:18):
means to them. Now. WhenI, for example, buy a truck,
or used to buy a truck witha toe package, it would include
the wiring, and it would includethe receiver on the back, or at
least the receiver, sometimes not thewiring. And so was there a receiver

(25:41):
on this one? No? Okay, there should be at least if it's
a toe package, I don't buyit with the wiring. There needs to
be at least a receiver on theback. It doesn't have to have the
ball that goes into the but itshould at least have that receiver installed.
Well, yeah, I was.I didn't assume that it would have the

(26:03):
ball or I don't need the ball, okay, because you would just stick
it in the receiver. Here's whatI'd like to do. I'd like to
call over there. We got togive this to somebody. No, and
if they still have it on thereand they won't sell it. Did you
call to find out if they wouldsell it for that price for seven seven
yeah no no, no for thenew for the new price seven seven yeah

(26:30):
no, I haven't. Would youdo that please and we'll get Please do
that. I mean, I reallywant you to do that because if they
because then they could say it wasa mistake, we corrected it, and
then they'd be right. But ifthey still won't sell it for that,
there's a problem. Call I wantI want you to call us back.
I'm not going to give it toanybody until you try to buy it for

(26:51):
that price. Three oh three sevento one three talk seven one three eight
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(27:11):
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(27:33):
check up free no obligation comparison callCompass Insurance paying too much your coverage at
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estate Man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two. HiTom Martino here, Steve Sizzek with us

(27:56):
from Larsen Tags Relief. You cantell at five seven seven three nine And
what you do is put a Tomin the subject and it'll get to us.
So, Steve, we have aquestion, and that is on extensions
coming up? Can can you filethat online without a signature? Can their

(28:18):
account and do it? Hold onsir go ahead. You can file online
just on IRS dot goes. Itdoesn't require signature, but you do have
to have an account with IRS inorder to do that, So you have
to create your online account three IRSdot goes. But your accountant can then
file it without going without having yousign it. Yeah, your accountant can
do that for you. Don't needa doc you sign or anything. No,

(28:41):
and just ask for them to sendyou a copy of that A transcript
to the fact that they filed it, because just if they tell you that
they did it doesn't mean they actuallydid it. You'd want verification of that.
All right, three oh three sevenone three. Talk. Now we
have Mike an issue with the dentist. Mike. What's going on? Hey,

(29:04):
Mike, I'm hoping he's there mine. Are you there? Just lost
him? I'm so sorry. I'lltry to get him back. No,
it's okay. James has a followup with Solar an offence issue. He's
working James, you're working with Chopper. When was your original call approximately three

(29:27):
weeks ago? And what was itabout? James? Did you? First
of all, I see, letme let me find your call. Go
ahead, I'll keep talking. Goahead, I mean I'll keep listening.
Go ahead, sir. What's goingon? It's done a fence for a
Denver County solar panel field. Andwhen we had finished the fence, the

(29:51):
company stopped answering the phones. Isthis is this in Colorado's? This is
not Colorado Springs? Is it?Oh? Denver? Okay, keep going,
sir. So they just wouldn't answertheir phone. Then they sent an
email saying and they wouldn't pay atall and that I've never gotten out before.

(30:12):
So I reached out to you guysand through through your help and uh
you're you know the different things.Uh. They finally about two days ago
they paid good. So so theypaid money that you would put down.

(30:32):
Uh, they had paid money odeon the final payment for the project that
they're trying to we hel out of. Oh I see, Tom, it's
a dinger call. Yeah, itis a dinger call. Now since you
handled it, do you remember thedetails, chopper? Yes, what happened
is there's like a big subcontractor outthere at d I A and there's a

(30:56):
middle one that was kind of screwingthis guy over. Well that's wrong,
and I contacted the big guy andsaid, come on help the little guy
out and they did. It's aten thousand dollars dinger. Wow, that
is pretty cool. Yeah, Iremember that guy got That guy got paid.

(31:18):
The general got paid right, butthe sub but he didn't but our
guy here didn't correct Yep, Iremember that. Cool. Thank you for
that follow up, Man's that mademe feel good more. Coming right up,
go with a sure thing Denver's bestroofer Excel roofing dot com. You

(31:40):
don't pay a cent until you're content. Time for an insurance check up free
no obligation. In comparison, callCompass Insurance paying too much your coverage at
dozens of insurance companies find out nowthree O three seven to seven to one
help. You'll think you're his onlycustomer when you choose Frank Durand the real
estate man to list your home withRemax Alliance three all three nine two zero

(32:04):
sixteen twenty two. Hi Tom Martino, your troubleshooter. Okay, Larson tax
relief with US eight four or fourlars in tax? Steve says it an
attorney at law who works there asan Enrold agent and he does long also,
but for himself, and I meanfor his firm. Now I want

(32:28):
to ask Steve a question. So, even though you're filing an extension,
you still have to pay, right, people need to know that, Yeah,
it's an extension of file not topay. So if you feel like
you're going to owe, then youneed to either pay one hundred percent of
what you owed the previous year orninety percent of what you think you're going
to whichever's greater. Now, whatif you don't and you want an installment.
Isn't there an automatic thing you cando, like just send in a

(32:51):
payment saying I want an installment orhow does that work? So if you
do file the return and there's abalance on there and it's below a certain
amount, you can actually file aform with the returns saying hey, I'd
like to go ahead and pay installmentson that And on that form, does
it tell you what payments they're goingto be? Like, does it have
a schedule for what you owe andwhat the payments? Typically it does,
and it's got like a calculator thatUCB it can help you out with.
Or there's even instructions on there asto what they'll accept and what they want

(33:14):
to accept then and what form?Do you know what formula? I think
it's a nine four or five three? Don't quote me on that, Okay,
Now it's similar to that you canlook at up. So basically there's
a form for an extension with installment, but that's only up to a certain
amount. Right, If it's overthat amount, they don't even you cannot
get an installment you can get ina selven agreement. You have to either
you have to negotiate with the automatedcollections and is that what an enrolled agent

(33:34):
does too? Is that what youcan know? Yeah, yeah, Larsen
that's one of the best things thatLarsen is very good at. Actually,
it was one of the best things. We're good at it, whether you
it's a personal liability a business liabilitytrust fund? Is negotiating. Is we
negotiate when it gets to a pointwhere you can't do it yourself or you
don't want to sit on four hours, you know, on hold with the
irs and have some idiot pick upthe phone and tell you that you know
you're the wrong person. Were thepeople that can handle that? You can
take that brain damage off off yourdesk for you. That's important to know

(33:59):
because I think that is one ofthe areas where we get intimidated. Does
that mean you have to sit onWe don't have a lot of time,
But do you have to sit onthe phone or do you have special numbers
to call for them? We haveit, We have special numbers. Lead
all right, now we have morecoming up. Get your calls into me
three oh three Martino three oh three, six, two seven, eight,
four sixty six, or of courseour regular call numbers three oh three,

(34:20):
seven one, three talk seven onethree eight two five five more coming up,
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You
don't pay a cent until you're contenthtime for an insurance check up free no

(34:40):
obligation comparison call Compass Insurance paying toomuch your coverage at dozens of insurance companies
find out now three oh three sevenseven to one help. You'll think you're
his only customer when you choose FrankDurand the real estate Man dot com to
list your home with Remax Alliance.Three oh three nine two zero sixteen twenty
two. Yeah, ripped up.You need advice so you don't have come.

(35:13):
Run in just as fast as youcan. Shooter's gonna help. Come.
Man Dix is the Troubleshooter Show.No Tom Martine, Hi, I'm
Tom Martino. Welcome to the show. Three oh three seven one three talk
three oh three seven one three eighttwo five five. On this wide shot,

(35:36):
you're gonna see uh my buddy here, Steve Sizzeck, an attorney at
law. He is with Larsen TaxRelief, and we're talking about problems in
that area. A lot has todo with collection. If you have any
questions, give us a call.Audits collections. Now they don't do normal
tax returns for people, but ifsomeone hasn't let's say someone hasn't filed in

(35:58):
ten or fifteen years or eight yearsor six years or five years, they
get a notice and they want todo something. Now, you don't actually
do the returns, but you givethem counseling or do you do the returns
in those cases? What do youdo in those cases? So Larson actually
does have a separate branch. It'sindependent of Larsen, but it's still got
the Larsen so you they will dothat. Okay, good, So you

(36:19):
can person you can help get someoneback into the system. Yeah, and
it's kind of nice too because youcan just call one person and we can
you know, they can forge youto the return Preparation unit. They can
get that done. Who can thencommunicate with the services unit, you know,
where we can represent you based onwhat youo. So it can kind
of be a one stop shop ifyou've got things that are fairly straightforward as

(36:39):
far as getting those returns done.If you need a more complicated and in
complex the you know, a seriesof returns. We have CPA references as
well. Okay, Now, earlier, we had a guy call up and
he said, I saw online anad and it was for a Hundai on
Planet Hyundai's website, and I saidtow package and it was listed for a

(37:01):
certain price, and I called andI wanted to buy it, and they
said, no, no, no, no, that doesn't have the toe
package. Like you think that's justsome wiring and stuff. He says,
no, no, no, Hyundaisays, a tow package is a tow
package. Now, usually a towpackage in my experience with Chevy and trucks,

(37:23):
there's a receiver on it. Sometimesthere's wiring. I don't know if
you've ever bought a tow package,but usually it's that now like you buy
our vs have tow packages. Pickuptrucks have tow packages. So anyway,
so then Tim said, but they, and I said, as far as
bait and switch, bait and switchis a very difficult thing to prove civilly

(37:44):
and a lot of people automatically assumeif something is advertised that they must sell
it to you for that amount,and they think they have some legal right,
and really it isn't automatic. Butthe Federal Trade Commission does look down
on companies and will enforce certain lawsand penal and penalized companies who do true

(38:07):
bait and switch. A true baitand switch is where they won't correct it,
or they keep it going, orthey know there's a problem, but
that it's bringing a lot of peoplein, so yeah, let's do it.
True mistakes are not considered bait andswitch. Now. Having said that,
Tim said they did change the adafter I complained about that thirty six

(38:30):
thousand some odd dollars and they changedit to thirty seven some odd dollars.
And I said, I said,listen, uh see if you can buy
it for that, And if youcan, then they did make a mistake
and they corrected it. So Iasked them to call them before we got
involved, because if they're now advertisingit instead of instead of thirty six seven

(38:53):
h seven, what is it advertisedat? Tim? What was that?
What is it now advertised that thirtyseven seven seven? Okay? And at
thirty seven seven another thousand bucks atthat price. They added a thousand bucks
to it acknowledging their mistakes. Sotheoretically you should be able to buy it

(39:15):
with the toe package for that.So won't say no, it's thirty eight.
Thirty eight to two oh seven istheir bottom dollar. And it they
are still saying that the tow packageis just the pre wiring, uh in
case you want to put on atow package. See, that's where we

(39:39):
have to figure out we really do. I'm going to look at there like,
like, what is the definition ofa tow package? Now before tim,
I understand? No, I getit, I get it. I'm
going to say that Hyundai or Hyundaiin their chat with you told you it

(39:59):
was w go ahead, I'd haveto pull it up just a second.
I've got it real close. Yeah, I'm just curious what they say it
is. Okay, they already Teavermade him. They said, the tow
package for the twenty twenty four CENTACruz includes a Class four hitch receiver,

(40:23):
a wiring harness, and a trailerhits ball. The maximum toy capast is
okay, got it? So?And you did that on a chat right,
yes, with the corporate website.Did you tell that to Planet Hyundai?

(40:43):
Oh? Yeah, and what didthey say? They said, no,
no, no, that's not whatit means. They said, it's
just a wiring pre wiring back tothe back of the trucks. You don't
have to run the wiring all theway. Now, here's my case,
you want to put in an AFTmarket. Here's my question for people listening

(41:05):
Planet Hyundai as a dealer. They'rean independent dealer. I mean they are,
They're not owned by Hyundai. Arethey allowed to have their own definition
of a toe package? I mean? And is it disclosed anywhere? Because
to me, saying toe package meansmore than wiring, you know, So

(41:27):
I want to know what people think. So did you say to them that
you talked? Oh you didn't tellthem. So who are you talking to
over at Planet Hyundai. Well,I've been talking everyway. I've talked to
the general manager, the sales MANAokay, So the general manager did talk

(41:47):
to you. He was a generalmanager day with John something? Was it
the general sales manager? What wasthe general sales manager or the general manager?
Do you know? He said hewas a general manager? Nice?
All right, here's what I wantto do. Here's what I want to

(42:08):
tell me. That's who they are. I don't know whether they're really I
get it, I get it.I just meant general. There's a lot
of people say they're the general salesmanager and we hear general manager. But
here's what I want to do.I think there's something going on here.
I would like to talk to someoneover there about this case. Specifically.

(42:30):
I acknowledge that they change the priceaccordingly. That's good. They said,
Hey, we made a mistake,so now it's not thirty seven it's now
or because it's not thirty six something, it's thirty seven something. But even
when you call it thirty seven something, they won't sell it at that price.

(42:52):
Or are you saying they will sellit at that price? But the
toe package is the wiring only isthat would be because they will sell it
at thirty seven. So now itcomes down to the definition of toe package.
Is that what they're saying or arethey saying what's that? They won't
sell it to me at thirty sevenseven if you wanted it the way it's

(43:15):
equipped in that ad with their definitions, would they sell it for thirty seven?
Yes, they would. They won'tsell it with the hitch that you
want for thirty They won't sell itwithout the hitch for thirty seven seven oh
seven. They won't it as isfor thirty seven seven O seven it's thirty

(43:36):
eight too, then why is itadvertised for thirty seven? I don't know.
Come on, Tim, are youjoshing me? Bro? You just
called them to the guy Tom.Their site says it's a six hundred and
fifty dollars and it's wiring and receiver. Really, yes, sir, really,

(44:01):
so they define it as toe packagebeing a receiver and wiring. You
found it on their website. Ifound it on a Google on the Hyundai
shop website. No, I'm nottalking about that. I'm talking about this
Hyundai Planet Hyundai. No, Ididn't go to Planet Hollywood. I'll tell
but I don't care. It's PlanetHundai. And by the way, by

(44:22):
the way, that's enough for me. If the damn industry and Hyundai itself
defines it as a hitch and wiring, then that's what a toe package is.
You don't get to make up yourown idea of what it is.
What if their idea of a turbowas someone who farts at it? I
mean, come on, you knowyou gotta so here's what I'd like you

(44:45):
to do, Chopper. I reallyI'm concerned because he said, let's forget
about the toe package right now.He said, what's advertised right now?
They won't sell for that price,then why is it advertised? I'm on
Planet Hyundai right now? Where isthat? Where's that car listed for thirty

(45:06):
seven? Where is it? Iwant to make sure we just Planet Hondai's
website and go to Santa Cruz.It's they give you a list of all
our Santa Cruzes. Andy, wait, Santa Cruz on Planet Hyundai. I
did get that. It's okay.You're talking about the Santa Cruz on the

(45:30):
Planet Hyundai site. Yes, okay, And you're telling me they have it
listed four. I'm looking for it. I can't find it. I'm looking
for the one you're talking about.Is it a twenty twenty four? Yeah?
Let me okay? Is it thirtyseven seven oh seven? Yeah?

(45:54):
They still have that one there?It's it's sand color. It's called I
see it, man, what abeautiful car. I see it? Hold
on yeah and th row middle.I see it. So here it is.
It's it's thirty seven seven oh seven, right, okay. Then I

(46:17):
want to look at it and itsays, damn it, you got it,
and it says toe package. Sobut you're saying they won't even sell
it. Just that vehicle itself,that unit number, they will not sell.
Well, he told me that he'dhave to see for sure that it's
got the dealer choice bonus cash.But he said he didn't think he did.

(46:42):
But it says it on the sitethat it has it. I know,
it says it is all right,you know what this is getting ridiculous.
The site says thirty seven seven ohseven and it says dealer bonus cash
minus five hundred bucks. So they'resaying, well, we're not sure we
can sell it for that that Nowthat that is pissing me off because now

(47:02):
it was thirty six seven oh seven, right right right, they added a
grand to it and say they stillcan't sell it. Yeah right, you
know what, there's something going onhere. I don't like this at all.
I don't like this, Hey,chopper, go ahead, call them.

(47:24):
Get this specific. Although here's anotherthing that's against the They have to
have a unit number. Did youknow that they're required to have a unit
number on this ad? They havea stock number under the first heading.
Okay, so if I go back, there's a stock number here, hold

(47:45):
on three d's in dog. Okay, call them. Here's what I want
you, Chopper, Here's what Iwant you to do. I want you
to call them. I don't wantto get into the nonsense about it once
being thirty six, seven oh seven, now it's thirty seven. I just
want to ask one quick, onequestion. Will you sell that vehicle at

(48:05):
that price? Got it? Becauseyou tell them who you are and tell
them we were told you're not sellingit for that price, and in our
opinion, that's false advertising. Imean, come on. And then the
next question is are there any carson your site that you'll sell for the
site price? Then the next questionis what is your definition of a toe

(48:28):
package? Because Hyundai disagrees with youif you say it's just wiring. So
if you have all of that,Chopper, really this is I want I
want to find out about it.I really do. I want to find
that this sucks. I'm Tom Martinethree oh three, seven to one three
talk what do you guys think?I think it sucks and I think we
should call them on it. Andyou know that that distresses me because I

(48:52):
always thought they were such a gooddealer. I'm not saying I have any
connection to them, but yeah,it just bothers me. By the way,
Dan McKenzie does wills and trust.Dan McKenzie does estate planning as well.
He's one of the attorneys we highlyrecommend mackenzie Law. You can always
find Dan. He's one of ourexperts on the show McKenzie Law. Call
him for wills, simple wills,transferring your businesses, even asset protection trusts

(49:17):
McKenzie Law eight three three C plansgo with a sure thing Denver's best rufer
Excel roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free noobligation comparison call Compass Insurance paying too much

(49:40):
your coverage at dozens of insurance companiesfind out now three O three seven to
seven to one help. You'll thinkyou're his only customer when you choose Frank
durand the real estate Man dot comto list your home with Remax Alliance three
three nine two zero sixteen twenty two. You know, I I want to
call Mark here because he says he'shad a similar situation with these guys.

(50:04):
I'm gonna call him right this second. Hold on and I'm calling him.
He knows I'm calling him, Sowhere is he? Come on? Mark?
Okay? There it is. Letme call him this this is wrong,
man, let me just call him. Hey, So, Mark,

(50:28):
you had this situation with Planet Hyundai. You know this is getting weird,
and I have Chopper calling him rightnow. What was your experience? So
they had one of the last twentytwenty three Santa Fez left. So I
sold our black win Er twenty twentylike I usually do. It had around

(50:49):
forty thousand miles and I saw thisone and they're one of these one price
dealerships, so whatever it is iswhat? But I couldn't find another twenty
twenty three brand new any where theone I wanted, which is you know,
the Ultimate or it's got all thecrap on it. So I call
up and they're like, oh,well really that's this much and I'm like,

(51:10):
well, what are you talking about? And at first they told me,
well, the price you see theredoes not include the dealer options that
are on it. And I said, what are you talking about? They
said, well, this one's gotrunning boards, so it's really not that
price. It's another thousand bucks orwhatever, and I'm thinking, huh.
I didn't know quite what to makeof that, but I'm like, oh,

(51:30):
okay. So then I call backbecause I'm looking further on it,
and I talked to someone else andthey say, well, that vehicle's not
even available. So at this pointI'm going, what the hell's going on?
So I end up going down there, and basically I threw a fit.
I was like, it's not evenclose to the price you were advertising.

(51:52):
Even if you add in the runningboat, it wasn't even there.
Made the math made no sense whatsoever. So finally I just said, listen,
you know this is outrageous. Idon't understand where you guys are getting
this pricing. And the salesman areyou still there? Mark? I can't
call you here. He's only beenon the radio. I don't know how

(52:15):
many years with men. You gotme so flustered thinking about these guys.
But here's what I would do onthe tow package. I've been listening.
Check it out, man, lookat one of the Santa Fees or one
of the palacines. It says toepackage, and call up someone else,
call up not whoever is calling upright now, and say, hey,

(52:37):
I'm interested in the palisade. Doyou have any with the toe package?
And then say does that include thereceiver? What does that include and see
what they say. My guess isthey're going to say, well, yeah,
of course it includes that. Ithink they just make stuff up when
you call them. I don't trustthem, man, although I did buy
a vehicle from them. Now holdon because Raymond wants to comment on this.

(52:58):
Go ahead, Raymond, what isyour conservation? I was listening to
your program, Tom so I decidedto call Planet Hundi myself and we were
discussing the tow package that the definitionof the tow package should include include the
receiver hit. And he told thesales manager told me that if corporates definition

(53:28):
includes the receiver hit and the wiring, that they would give it to the
gentleman. If he proves that corporatedefinition of tow package includes both of those.
I'd never heard about it. Goahead, let me say something about
this coeitching. I need to saythis listening to you talk about it on

(53:52):
the air. No offense, butit seems ridiculous. There is no vehicle
I have ever bought in my lifethat says it comes with the toe package
and it doesn't include the receiver Iam wiring. I have never heard of
anything like it in my life.I know it I agree with you.
If just the wiring's there, wherethe hell's the wiring in that, it

(54:14):
doesn't even make sense. The wiringgenerally ends at the toehitch. I know,
it's ridiculous. I mean, Ijust don't understand that. Maybe we
call it seriously, and I don'tknow if it goes to the ownership.
Because Mark and I had the discussionoff the air the other day. He
said, you know, I reallydon't trust Planet Hunday and I said,

(54:35):
I think they're really good people.And I didn't want to get into specifics,
but I kind of knew the ownersyears ago and I thought they're really
good people. I don't understand,but they could have some management right now
going rogue here because if they're routinelyadvertising prices they can't meet, well that
sucks. And if they're saying,well, this guy that your callers said,

(54:58):
originally it was Ford something and thenhe calls up, they're like thirty
eight. Then they change it onthe website. Now they're arguing what a
toe package is. Any moron that'sarguing a toe package is just wiring and
that's it. There are a moron. What else can you say about them?
Well, don't insult, don't insult. Are YouTube morons? But you're

(55:20):
right, they are true. Theyare morons. Uh. Three oh three
seven to one three talk Okay,Mark, I know you you have to
go on that, but later,man, let's hook you up later.
Okay, So we're done with Markthere. Okay, good and here's the
deal. It's wrong, wrong,wrong, wrong, wrong, that's my
opinion. Three o three seven onethree talk seven one three two five five.

(55:44):
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durand the real estate man dot comto list your home with Remax Alliance three
oh three nine two zero sixteen twentytwo. Hi Tom Martino here THREEO three

(56:53):
seven one three talk seven one threeeight two five five you you're just joining
us. Really, this discussion onPlanet Hyundai is disturbing. We called some
other Hyundai dealers. Toe packages includereceivers and wiring. I mean to say
that it has a tow package andit doesn't is just lying. And then

(57:14):
the other thing is to have pricesadvertised that you can't get. And so
this consumer call that said that ithappened to him has now happened to him
twice. And then Mark said ithappened to him when he called they.
I think they we can probably establisha pattern, and maybe we should go
to the Attorney General and the FederalTrade Commission. It's wrong, It's absolutely

(57:38):
wrong, and if we don't getthe right answers from the general manager,
then we go to the owners.Because I think it's wrong and I think
they want to know about it.That's all so Planet Hundai. I mean,
you know what sucks, what reallysucks is that now this would make
a total of all of the Hyundaidealers that are pretty questionable. I hate

(58:00):
to say that, but that's justthe way it seems. Tom, what's
going on with you? Hold onreal quick, Tom, No, go
ahead, Tom, what's and Tony? We're going to talk to you about
your payments of taxes too, becausewe have Steve Ciszick with us from Larson
tax Relief. So let's talk.What's going on? Tom good Man?

(58:21):
What's happening? Good I was callingI am have a back in September,
UH with shared fence got knocked over, and so I went over to my
neighbors. They're actually renters, greatneighbors, but they put me in contact
with their property management companies to getokay. So are these single family homes?
Tom, Yes, they are okay. So I got retired, I

(58:49):
took pictures, I bought stuff,I sent them voices off, sending emails
to them, going back and forth. So how do you is it a
shared fence? Is it on yourproper line or their proper line? It's
between both of our houses. Isit right on the property line? See
this recent These recent questions I'm havingabout fence lines are weird because unless it's

(59:14):
really old property, fence lines arenot on the property. They're either on
one side or the other. Theybelong to one side or the other.
Are you telling me this one isright on the property line? I'm that
I don't know. I mean thehouse so back in ninety six, I
think then probably it is. Butanyway, what's going on the fence is

(59:36):
damaged and you want to get theneighbor to chip in. Yeah, well
the property management company. So Ireached out to I talked with the neighbors,
told them what was going on.They said they reach out to the
property management company. They did,They gave me the phone number. I
reached out with an email them backand forth and send them pictures, send

(59:57):
them invoices, everything in such,you know, share fence. I'm responsible
for half the hopefully they'll pay theother half. But I have not been
able to you know that. Youknow there's no law that says that,
right, Yeah, I guess more, you know, just common curtices.
That's right, that's right, that'sexactly or possibly possibly court precedent. I

(01:00:21):
I've not seen it, but maybea neighbor suit a neighbor one time for
a joint fence, and one thatwould make it a precedent, which they
call common law. But I don'tknow right off hand. So but you
would think logic would say, hey, you know, we both enjoy this
fence, let's chip in. Sowhat's going on now? So this is
in se September. I have probablythe past I've reached out to three or

(01:00:46):
four times the email. I havenot got a response back. Okay,
now here's what I'm going The check'scoming, it's on the way, but
I haven't seen anything. No.Wait, did they say the checks coming?
Yeah? I said that where yep, this is the check Oh I
didn't know that. Well, sothey didn't say we're not doing it.
They said the checks on the way. Yeah. And then they asked them,

(01:01:07):
okay, send us the invoice,to send us the pictures, all
that kind of stuff, just toprove that I did it, which is
fine. I get that, youknow, And but now they won't even
reply back to my emails. CanI get an update? What's going on?
Could send the checkout? It's justcrickets from them. Okay, here,
here I have the name of theproperty management company, a phone number

(01:01:31):
who I spoke with. That helpsyou. Why don't you do this?
Why don't you Why don't you findthe owner itself from the tax records?
That's what I would do. Really, the property out of Texas, it's

(01:01:52):
a it's a it's a huge company. No, I'm talking. Wait so
the owner. Okay, wait aminute, So the owner a big company.
The owner is a big company too. Owner. Yeah, it's not
like an individual owner. Correct.Nope, Oh I didn't know they rented

(01:02:13):
up. Yeah, here's what Iwould do. You might Okay, how
much is it going to be fortheir halts? I mean their half is
it's like two d and it's notmuch. But that's it. I didn't
think that's it. They're they're givingme headichs overrit just going back and forth

(01:02:34):
about it. But you know,you could do something crazy. Are you
going to do the work? That'sthe way I've done it, and work's
done. You did it, Igot I have Yeah, I did it.
I had to hire a couple ofguys up to come do it.
Hey, bro, you know whatI'm going to say, right now you're
gonna love it. Let's not puta mechanics lean on it. You have,

(01:02:58):
you have everything, you have everythingyou need to do that. Kay?
No, So I would if Iwere you, I'd put a lien
on it. What are you kiddingme? Not much? You know who
cares? You know what that'll getthem? Tell me what happens? Will

(01:03:20):
you win on this? I wouldput a lien on it? Okay?
Okay, Well you would have toask me that it's I don't know specifically.
I'm not a contractor had to doit. But I can't tell you
this. It's easy. Everyone tellsme it's easy. So google it or
AI it or call I don't know. You know, you can technically have

(01:03:44):
an attorney do it and had attorney'sfees. But really I would try to
do it myself if I were you, But I can't tell you how.
I don't know how. I thinkthere's a form. Okay, I promise
you they're gonna freak. Now here'swhere they're gonna freak before you do it.
Now, it hasn't been four months, has it since you ended the

(01:04:05):
work? I submitted? It wasit was late September September twenty seven.
God damn it. So you've finishedthe job in late September. Yeah wait
October November. No, you didn'tknow, you didn't. You have to
go out and do a few moretouch ups today, okay, because you

(01:04:30):
only have four months from the timethe work stops. I'm not giving you
legal advice. I'm not giving youtricky advice. I'm just saying I am
sure you can find some touch upwork that needs to be done, okay.
In fact, if it would bebetter, yeah, yeah, yeah,

(01:04:53):
if you had yep, if yougo out there and maybe your wife
snaps a picture of you working onit today. Okay, because you only
have four months now, once youfinish the job, you have four months
to do that. Lean. WhatI would do first is you have to

(01:05:14):
do a ten day notice that willget you paid. Make sure you word
that notice according to the law,that will get you paid more. Come
in right up, go with asure thing Denver's Best roofer Excel roofing dot
com. You don't pay a centuntil you're content. Time for an insurance

(01:05:40):
checkup free, no obligation. Incomparison, call Compass insurance paying too much
your coverage at dozens of insurance companiesfind out now three O three seven to
seven to one. Help You'll thinkyou're his only customer when you choose Frank
durand the real estate man dot comto list your home with Remax Alliance three
three nine two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three

(01:06:06):
all three seven one three talk threeall three seven one three eight two five
five. Randy has U Okay,Tony wants to talk about taxes. Then
Randy wants to talk about truck purchase. Steven wants to talk about social services.
Tony, what's happening. Welcome tothe show. I'm Tom Martino.

(01:06:27):
Yeah, in the past I haveI use Turbo tax have been a very
simple act situation, and I've doneit mostly and I owe about five K
to the I R S in thepast when I vowed more than a couple
thousand dollars. When I get donewith Turbo tax, it tells me,

(01:06:49):
oh, you have to make estimatedpayments, which is fine. The question
I have is I worked on mytaxes we ago. Since I found that
I'm a big chunk of change,I've changed withholding online in my wife's taxes
in order to not have such ashortfall next year. Okay, I ignore

(01:07:13):
those estimated tax payments and that goingto be a problem. What are you
talking about estimated I don't even knowwhat you talk about estimated tax. It's
going to tell me actimate quarterly estimatedtax. Well, you do if you're
self employed or something like that.But you said you change the deduction.
So do you two both have regularW two salaries? Yes? Well,
yeah, I mean if you undertom, if you underpay, regardless of

(01:07:35):
you've got withholding or not, theIRIS is going to want you to make
estimateds on top of that. Comeon, yep, even if you're a
W two, even if you're aW two, But what if you just
increase your deduction? So he's he'sactually had a gut or decreases. And
to his question, if you feelthat you're increased with holdings is going to
address that five thousand dollars shortfall nextyear, then you don't have to make

(01:07:56):
those estimated tax deposits. But ifyou're off and you owe again, you're
going to be penalized for that.Now, the rule is you have to
pay at least ninety percent of theprevious year. Is that what it is
or ninety percent of current or whatwhat is the rule on us? It's
one hundred percent of what you owethe previous year or ninety percent of what
you think you're going to owe,whichever is greater. Okay, Okay,
So it's five So for example,in his case, you'd have to have

(01:08:18):
five thousand estimated tax deposits to becomposed. So when you make those adjustments
to your deductions, will you guyspay in another five grand? Yes?
Okay, then you should be fine. Yeah, but you don't have any
self employment at all? No?No, how are you off that much?
Do you have a lot of interestincome and stuff? Well, to

(01:08:41):
tell you the truth, my wife'sson social Security. She's retired, so
that that didn't withheld withhold anything.And can you choose to withhold with social
or not? It depends. Imean I don't know that Tony. Can
you choose to withhold with a SocialSecurity that I'm familiar with? Yeah?
I think you have to elect intoit. It's not like an easy process.

(01:09:03):
So you just have to know thatyou're not getting any Okay, So
where does it stand that the itdoesn't the quarterly payments? Let me explain
this to you. They're never required. They're only required if you want to.
It's not a violation of the lawnot to do them. Is what
I'm saying is it's not like youhave to pay tax. But theoretically you

(01:09:30):
don't have to make estimated payments aslong as you pay your tax if you're
not going to owe, and ifyou don't care about penalty, and so
the answer is, of course,you can adjust any way you want and
then make sure and then hope thatit works out. That's the answer.
And if it doesn't, you paya penalty. And you learned three oh
three seven one, three eight,two five five or three oh three Martino.

(01:09:51):
We have more coming up on thetrouble Shooter show. Go with a
sure Thing, NVERS Best Roofer,Excel Roofing dot com. You don't pay
a cent until you're content. Timefor an insurance check up free no obligation
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find

(01:10:15):
out now three oh three seven sevento one help. You'll think you're his
only customer When you choose Frank durandthe real estate Man dot com to list
your home with Remax Alliance three ohthree nine two zero sixteen twenty two Ripped.

(01:10:35):
You need that so you don't haverun as fas as we can.
Shooter's gonna help come Dix is theTroubleshooter Show. No Tom Martino, Hi
Tom Martino Here three oh three sevenone three talk three oh three seven one

(01:10:59):
three eight two five five. Welcometo the only show of it's kind of
anywhere in the universe. We lovedoing what we do here and this hour
is brought to you by someone Icredit with great health, and that's Grossmanwellness
dot Com. See Grossman. Ido what's called concierge. Every three months,
I get a kind of an examine, uh, and a complete blood

(01:11:19):
work that's weird, huh. Butincluded in that are all the supplements you
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(01:11:40):
find out with no obligation with bloodwork and consultation three zero three two three
three forty two forty seven two threethree forty two forty seven. So hey,
we have Larce and tax relief withus. We were talking about your
problems, question complaints, and we'regonna go right now and do that again.

(01:12:01):
I'm gonna talk to Randy as aquestion out a truck issue. Randy,
go ahead, what's going on?Randy? Hey, Tom, I
just got a quick question. Yeah, I bought it. I bought a
truck about a week ago, andthen newer used used. Okay, it's
a really nice truck. It's aninety nine Dodge Ram with a just a

(01:12:24):
little over one hundred thousand miles onit. Wow. Yeah, it's it's
a really nice truck. But sothey put a dash cover on it,
because those those ninety Dodges, thedashes always end up cracking and breaking.
Mm hm. So I moved thedash cover and come to find out the
VIN number that's supposed to be inthe windshield is gone. Oh why was

(01:12:49):
it ever? I mean, isthere a ven number elsewhere on the car?
There there is. I found thetwo, the one in the door
and the one underneath the hood,but I wasn't too sure. You know,
somebody stole outan Where is that usually? Is that usually standard? Front?
Left? Is it? Yes?So it's from the outside you can

(01:13:13):
see it, right? Is thatwhat they usually look down at the bottom
right of the windshield when you're standingoutside bottom left river side? Yeah,
well, when you're outside, it'sthe bottom right. Oh yeah, okay,
so huh wow. So if youhave another VIN, is there a

(01:13:34):
law on that? I don't evenknow? I mean, uh, did
you see if the VIN on thedoor jam or wherever matches the title?
Right? As far, I boughtit from a dealership, so I didn't
actually see the title. It's becauseyou took a loan. Yeah, okay,

(01:13:57):
So how about on your registration?What's the registration it matches? And
like I said, the door jamand the underneath to you know, I
don't think it would bother me toomuch. I don't think it would even
I wouldn't say that it's a ninetynine. What are your concerns? Well,
a couple? Is it legal tosell it with the VEN number missing?

(01:14:19):
But here's what I want to askyou. And I don't mean I'm
not trying to be a smarty pants. I'm just asking what difference does it
make? At this point, ifyou like the truck and you bought it
and you have a VEN number,why do you care about that? I'm
just curious. Let's even say,even if it wasn't legal, why do
you care? Well, So,say if I move out of state and

(01:14:40):
I have to get a VEN insession and okay, okay, okay,
or if there's another truck driving aroundwith that VIN number of underneath to dash,
you know, and I understand ifsomebody took it. You mean,
yeah, huh, so did youdo ave in search of it to find
out? I did? In sergeit's a two owner car, a two

(01:15:02):
owner car or truck, I mean, but it's not showing up anywhere else.
No, I don't know. Imean, what are the chances.
I'm not trying to talk you outof doing something. I just don't want
you to go through conniptions for noreason. What are the chances that you're
going to move out of state andneed a VENT inspection or sell it out

(01:15:24):
of state? You know, younever really know. The company that I
work for is all over the country, so you could be transferred out of
state. Okay, did you askyour motor vehicle department what's up? Well,
I just found it the other day. Is that I haven't? Did
you call the dealer? I calledthe dealer. They said they'd check into

(01:15:47):
it, and of course, youknow, they'll take their time and get
back. What was it a usedcar, lot of pot loot or what?
No, it was a new carDealershipswagen. Oh crap, Greeley,
God Almighty, I hate Greeley.I don't hate Greeley itself, every business

(01:16:08):
in Greeley and every car dealer inGreeley and every politician in Greeley. So
I guess I do hate Greeley.I hate the smell of Greeley. So
what else? What do I likeabout Greeley? Wow? Listen, here's
what I'm thinking. I want totalk to our expert. I think what

(01:16:28):
we should do. Katschina is calledJFR Cars Rodney. He's a car dealer.
I just want to run it byand see what he says. So
hold on, I do want tosee that could be a problem. So
I'm going to mark this pending rightnow for JFR. And then and that's
Rod Greer over there. Three ohthree seven one three eight two five five

(01:16:51):
Steven, what's your issue with socialservices? Highste what's happening? I'm longtime
fan. How are you good?I'm doing good and thanks for listening for
a while. Man, So what'sgoing on with social services? I've just
had nothing but trouble with many Welllook what do you mean though? Like,

(01:17:13):
how did it all start? I'vebeen disabled for like twenty five thirty
years and thanks you so be alot better. My insurance was better.
Everything was better, I was treatedbetter, and it just keeps getting worse
and worse and worse. Well,what's worse? Okay? I need to
know what's happening that brought on thecall? There? Something must have precipitated

(01:17:36):
the call. I went to getup, my eye looked at I thought
I had a contact when stuck,and I'm not sure. I didn't feel
like they give me gives a goodservice. Now, where are you getting?

(01:17:56):
Is this Medicaid? Oh? Yeah, I am in Boulder, Colorado?
Are you saying so? Your basiccomplaint is that Medicaid is deficient?
Lately Medicare they twitched me to UnitedHealthcare Medicare D problem. Hold on,
I thought you just told me you'redisabled. Yeah, how old are you

(01:18:23):
Medicaid? I'm fifty four years old. I've been so. So you get
Medicaid, not Medicare. No,I get Medicare eighty percent Medicaid Okay,
okay, they pay for your code. So Medicaid is like your supplement,
yes, sir, okay. Andyou're complaining about the Medicare part big ones

(01:18:47):
Medicaid. I get it. You'recomplaining. You're so you're on Social Security
district. I'm just tired about likewith all the the economy and the inflation,
everybody gets compensated, so they're finewith it, but I keep getting

(01:19:08):
skim it skimmed and lowered and stufflike that, and I don't understand that.
Give me your latest example, Likeyou're saying that the medical issues me.
You're saying that you need to getthe highest you can get for food
stamps, EBT. Because I haveto be on a special diet for one

(01:19:28):
of my maladies. And I usedto get it, then they cut it.
Then I got like one thirty andthen the next month. Do you
have a case work Do you havea case worker, Steven, No,
not really. I have a caseworker for United Healthcare. They called theirself

(01:19:49):
advisor because once they sign me up, they're done with me. They say,
you have any other questions, probablyyour insurance. Here's here's what I
don't understand you have. You havea complaint with Medicare and with basically the
providers, right, not the payment, but the providers. Is it the

(01:20:15):
payment or is it the providers?Oh well, my payment like the IASNE
went up a much, very mucha large time and you grow up fifty
bucks a year. Well, seeyou're calling. This is what I'm getting
at. I'm trying to narrow downyour complaint because it may be Listen what
I'm Stephen, what I'm trying tofigure out if the complaints you have for

(01:20:39):
payment and for service or healthcare,if there are those, if those are
systematic, Okay, systemic, there'snothing that we can do about it.
That it's just the way it is. I mean, I don't like saying
that, but it's the truth.I mean, there's nothing we can do.
I was wondering if there's a SpacePacific issue we can help you with.

(01:21:01):
I can't help you with the wholesystem specific issues, but I can't
get into that today. I justdon't want the emotions to come up a
better rough day. Okay, here'swhat I can do, Stephen, Here's
what we can do. No,it's really funny. Thank you for that,
Stephen. If you could help mehere, if you could hang on

(01:21:25):
hold a Kachina will give you anemail, if you can email us the
part that you're really calling about,Okay, we can't help you with.
In general, Medicare sucks, UnitedHealthcare sucks, the payment and reimbursement system
sucks. The fact you're not gettingraises sucks. We can't deal with it.
But if there's something on your mindright now, an issue that we

(01:21:47):
can help you with, feel freeto email us. She'll give you the
email and we'll we'll gladly help youwith it. I mean just that we
can't address what we call systemic problems. Three O three seven one three eight
two five five Go with a surething Denver's best roofer Excel Roofing dot com.

(01:22:13):
You don't pay a cent until you'recontent. Time for an insurance check
up free, no obligation. Incomparison, call Compass Insurance paying too much
your coverage at dozens of insurance companiesfind out now three oh three seven seven
to one help. You'll think you'rehis only customer when you choose Frank Durand
the real estate man dot com tolist your home with Remax Alliance three oh

(01:22:35):
three nine two zero sixteen twenty two. Pay Tom Martino your troubleshooter three oh
three seven one three talk three ohthree seven one three a two five five.
I certainly appreciate your questions, problems, complaints, keep them coming at
three oh three Martino. Now youcan call any time three oh three six

(01:22:58):
two seven eight four six six.If you're listening to a stream high,
if you're exercising on the treadmill,just remember three oh three Martino. Leave
your number, we'll call you back, or you can call live It three
oh three seven one three talk sevenone three eight two five five. So
Gwen has a follow up and itwas from two weeks ago a water heater.
I'm not sure for some reason,I'm trying to find this call Gwen.

(01:23:19):
Can you uh explain the situation?Did we give someone to work on
this? Oh oh wait wait waitwait was this way or let me get
this straight. Is this where youhad a furnace and a water heater put
in and by quality builders and theydidn't do a good they did something.

(01:23:42):
Here's what it was. You didthis addition as I remember, and they
had to alter the plan because ofthe venting and all of that. So
the plan made them alter it towhere you needed another furnace, you had
to replace your furnace so it couldgo horizontal, and then you needed to

(01:24:03):
vent your water heater. And Ithought they were taken care of all of
that. What's the problem right now? No, they're not taking care of
it. And what needs to bedone right now to make it livable?
What needs to be done A newwater heater? Okay, but the old
water heater is still there. Theynever did. They never took it out.

(01:24:26):
No, and why is the newwater heat? Why is the old
water heater not working? It's beenruined with the kit they put on it.
And what kind of kit did theyput on? A horizontal vent?
Yes, a vent horizontal and thatruined the water heater. Do they acknowledge?

(01:24:51):
They do? They acknowledge they ruinedthe water heater? No? How
old is your water here? Five? Okay? Not that old? What
kind is it? Do you know? No? Huh? What size is

(01:25:13):
it? Blum home depot gallon?It's a fifty gallon so at at euro
Plumbing Colorado dot net for that fiftygallon. It would cost you approximately fourteen
ninety nine, fourteen ninety nine.And what do they say at quality builders

(01:25:43):
about this? Do they say that'syour problem? It did not break because
of us? What are they saying? Yes, they're saying it passed res
And I've had Tipping Hat and Plumblinecome out and say that it's then legally
And oh did plumb Line look atit? Yes? How much did Plumbline

(01:26:06):
say it would take to fix it? Fifty seven? So it's more,
why did they say they had todo something special? They have to replace
it and they would throw in afree I think it's an extra gallon thing.

(01:26:30):
Okay, it's a it's a yeah, I know it's so listen,
what about Tipping Hat. Tipping Hathas a seven thousand gear forever warranty,
forever warranty. But they're gonna theywould charge you seven grand to do it?
Yes, yeah, I wouldn't dothat. They would fix the leaking

(01:26:56):
of the furnace. Also, waita minute, why is the furnace leaking
because they didn't do a good jobthere either. Did Plumbline put that in
their estimate too? I believe so? Well? Kind of so, so

(01:27:16):
they installed the new furnace the wrongway, and they installed the water heater
and ruined it. Yes, itcannot be corrected. They have to do
it. So quality builders, arethey simply washing their hands? Yes?
What the hell's now? I noticedhere? I had Deputy Dollar on this.

(01:27:40):
Dollar you're there, did you Dollar? Do you recall this case?
It was assigned to you? Yeah? Yeah, that's coming back to me.
Well what happened, man? Imean Equality Builders dropped the ball on
this thing, Yes they did.I don't have any notes on this at
all, but I know that theyshould fix what they they put in there?

(01:28:00):
Why aren't they fixing it? Now? Listen, you know that's where
we go first? Then what Iwould do? I want Dollar to take
another stab at this, Yeah,because I think originally I she'd cut gotten
the name from Angie's list. Yeah, I remember this. Still Still we

(01:28:23):
need to get on this sucker.We need to figure out We just had
to figure out who is at qualitythat will address the damn thing? Right?
All right? You had me gettwo estimates and then said we're not

(01:28:44):
doing it. It's your problem.Dollar. Can you follow up on this
day and then just see what theysay? Yes, I just totally am
stressed about this. Quality builders.This is a possible sleeze brigade. But
as I remember it, I thoughtyou reported that you didn't think they were
that bad after you talk to them. I think I made notes here.

(01:29:06):
I'm looking at the call. Justlet's revisit this. Thank you for letting
us know. Gwenn, we don'tlike you know, we like to help
as much as we can, sowe will. Now, did we ever
get JFR cars on for the UHfor the VIN thing? What happened to
that caller? So he had toactually go, but I gave him that

(01:29:28):
number and him and Rot and Ialso texted Rod, so they're gonna line
themselves up offline. Well, thankyou for helping him out. Three h
three seven one three eight two fivefive. Yeah, it's really really difficult
when that kind of stuff happens witha car and Vin's because it could be
difficult to get it inspected if youneeded to. If that VIN number tag

(01:29:50):
is not on the dash on theleft side. As you're sitting in your
car the lower left, you know, it's right in the corner there where
the windshield meets the dag. Wecan all see that little metal embroidered,
I don't know imbossed, or Idon't know what the word is. It's
stamped. Maybe maybe that's the betterword. Okay, So we have more

(01:30:11):
coming up on the Troubleshooter Show threeO three seven to one, three eight
two five five. Go with asure thing Denver's best roofer Excel Roofing dot
com. You don't pay a centuntil you're content. Time for an insurance

(01:30:31):
check up free, no obligation comparisoncall Compass Insurance paying too much your coverage
at dozens of insurance companies find outnow three O three seven to seven to
one. Help. You'll think you'rehis only customer when you choose Frank durand
the real estate Man dot com tolist your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshoot three

(01:31:00):
or three seven to one to threetalk three LL three seven one three eight
two five five. Gareth has aissue with Excel Energy. Gareth, what's
happening? Oh hey, Tom,thank you so much for taking my call.
You listen to your show every morninganyway, Thank you? I live
Uh Ever, you know we hadthat big storm on Saturday, and my
power has been out ever since then, ever since Saturday from the winds.

(01:31:26):
Yes, uh huh wow, anduh it's Tuesday now and I haven't had
an electricity since then. I've triedto call Excel and you know, they're
not they responsive, They didn't keepme updated. So there's a tree in
my neighbor's house that fell on theline and it's still sitting. There's a
huge tree with a seven foot rootball and it's leaning against the lion and

(01:31:46):
it's almost hitting the neighbor's house andnobody's come out to deal with it.
And uh Le's called and well andyou've called and you've not gotten a response.
Well, they did respond eventually,and it's well, we're going to
get to it maybe by ten o'clockto night. And I ended this morning.
There's no linemen out there, there'sno tree service. How many people

(01:32:08):
are affected? Well, my wholehousehold. They did get the power grun
across the street, and the neighborsover the other street, everything else nine
has all the power restored, butstill nothing in our homes. I've had
had heat for three days, nohot water and being spongebats and it is
this crazy. I mean, Ididn't realize there are people still. Now

(01:32:30):
you say you don't know how manypeople are really affected. Well, my
household, it's five people, atortoise making No, I'm talking about like,
is it the neighborhood. Yeah,it's just our one street. And
I understand there's a huge tree,it's probably forty foot trees sitting on the
line. And they always think peopetfrom the house. Yeah, you think

(01:32:54):
they would come out and give usa little priority here and then add insulted
in on the physician. So Icame out of my office to in Porton
and the power went out. Nowit's out till ten o'clock and I to
cancel my health practice all day long, all my patients, you know,
patients getting carried the garrett. Doyou have your clinic right there at the
house. No, No, No, it's my office and so and I

(01:33:15):
live in Applewood. Okay, Soit's your office that's affected or your home.
Well, well the home still affected. I came, Oh, you
had to cancel because I get it. I get it. You had to
cancel, not because of the clinicdirectly affected, but you are I get
it. Well, No, myclinics oh, both my clinics. I
cancel my holidays. So the powersout of my office, the powers out

(01:33:36):
of my home. Oh my god, this is okay. Then this is
bigger than I thought. I don'tthink I've read anywhere where power is still
out. I didn't know this.I want to call over and get a
question. Let's uh call over.You know, unfortunately Excel doesn't have the
media response they used to. Theyused to be very attentive to public inqurease.

(01:34:01):
And I guess the point I'm tryingto making. You know, they're
trying to push this whole electrical outdYou know, I took cars, electric
furnaces. You know, I wasfortunate. I have a gas stove,
so I was able to heat upthe kitchen and boil some water to wash
my face. But you know,it's kind of a I don't know sugactly
live in a third world country anymore. And uh, you know, it's
just uh and the's and I understandthe active nature. But the fact that

(01:34:25):
that I'm responsible and I just chooseit's in your opinion is of course I
had to throw all my feet awayyou mean against Excel. Well, I
mean I was silly not paying mybill next month. You know, it's
just uh, you know, becauseit's I'll bet you they're going to bill
you and expect to be paid forwhat you use, you know, I

(01:34:45):
mean, obviously you're not going tobe paid where it's not being metered.
Right now, you're not using anypower. But I think we need to
call over there and find out what'shappening. I did not realize that there
were people still out of power.It's not a huge amount. It's just
maybe my whole street and then acouple of streets, so that's that's a
lot. Did you get any indicationwhen they'll be out there? Well,

(01:35:12):
this morning I went out there andsee the alignment. There's no tree gut
right and I understand that. Youknow, it's a huge tree, and
I get it. I want tolisten. I know. I gave Deputy
Dollar a couple of things to callon Kachina, either him or maybe you
can call. Do we have amedia contact over there anymore? I know
they're they're pretty deficient. Yeah,they are few and far between. Let

(01:35:32):
me see what I can do.I just want to try to get someone
to address I don't, you know, we need to find out what area
he's talking about. And then whatI'd really like to know is, I
mean, obviously we can't make themgo over there and fix it right this
minute, but I'll bet you,I'll bet you though we can at least
light a fire. I mean,I got to figure out why this is

(01:35:56):
happening. I mean, okay,we're going. I'm going to the map
and I want to see what's thatin all parents, It's a huge tree.
It's probably it's in seven foot reetfall. It's probably a sixth footh diameter
of pine tree that went. It'sit's resting on the lion. So current
outages right now? Have you lookedat them? You know? I looked
at it and my neighbor's not blueand it was red. Now it's blue.

(01:36:18):
So I don't know if they're justignoring us, so they're not going
to show up, or well,no, blue just means it's under fifty
Yeah, okay, sod undred.Yet's not a huge sloth of people.
It's just the one area with thelion. The tree is resting on the
lion. Huh. This is Theypay their CEO seven three three million dollars

(01:36:41):
last year and they spent a lotof money putting smart leaders, so they
could charge me a lot more money. So you think the service, So
give me the address of your clinic. I want to see what it says.
Well, this is a different situationaltogether. I mean they had intelt
the injury. My home's out andI came to my office to work today
and then the power went out hereit's out till ten o'clock and I could
cancel the whole clinic. I'm goingto charge my phone and charge my retargeable
white, but my house. Soit's just okay, give me the give

(01:37:06):
me a number, not necessarily yournumber, but a number and street.
Where is it? Well, myhouse is in uh it's stop. Thirty
second in young Field. Thirty secondin young Field. Okay, I'm just
trying to get a map here.Thirty second in young Field. Okay,

(01:37:26):
okay, I got it. Igot it. Hold on, I got
it. Hold on. So I'mlooking at it. Yeah, there are
like pockets of fifty people here andthere. Yes, what a pain in
the ass that is. I know, it's just like I haven't had a
heat. I have to just spond. Look, I lived in a soulal
counstries. I know how to dealwith this kind of stuff. But you

(01:37:46):
know, this is America. Ithink what they're saying is is that this
is going to be fixed today.Did you see that? I didn't see
that, But the fact that youknow, I left to go to work
at nine and there still knows time. If anyone is wondering what I'm doing,
I went to the Excel website andyou find outages. You go there,

(01:38:09):
you put it under. It's apretty damn good map and it shows
you what's out, how many peopleare affected, and if there are multiple
outages, and there are multiple outageswith fifty or less impacted, so what
I think, Yes, I'd stilllike to make that general inquiry. I'm
sure they're going to say, well, well, you know we're doing it.

(01:38:30):
Who knows it? Says check yourstatus here, and that's what I
put in. And you did youdo this on Excel? Did you go
on and put your actual account numberinto check your status? You know I
haven't done that yet. Gan.Why don't you do that because every time
you do that, that inquiry goesto them. I would do that and
let us know what you find out. I can't do it. I got

(01:38:53):
to put in your account number,So I would go to Excel Now to
find outages. You don't have tohave anycount number, but to check the
status of where exactly you are youhave to have an account number. So
go to Excel Energy and let meknow what you find. Three oh three
seven one three eight two five five. Go with a sure thing Denver's best

(01:39:18):
roofer Excel Roofing dot com. Youdon't pay a cent until you're content.
Please time for an insurance check upfree no obligation comparison call Compass Insurance paying
too much your coverage at dozens ofinsurance companies find out now three oh three
seven seven to one help. You'llthink you're his only customer when you choose

(01:39:40):
Frank durand the real estate Man dotcom to list your home with Remax Alliance
three oh three nine two zero sixteentwenty two. Hi Tom Martino here three
oh three seven one three talk threeall three seven one three eight two five
five. We have Steve Cisick withus from Larson Tax Relief Plus. We

(01:40:02):
have another hour to go. Wewant to take your calls at three ozho
three seven to one three talk orthree oh three Martino three oh three six
two seven eight, four, sixsix. Listen. Even if you have
a small problem that's just starting,it's better to talk now and get some
general advice and waiting for it tofall apart or hoping that it's going to
be fixed. And we can talkabout anything from your house to your car,

(01:40:25):
to your career, to your finances, to everything everything buying and selling,
what to buy, where to buy, when to buy, why to
buy, and who to avoid threeoh three seven to one three talk Now,
let's go, Steve. I havesome questions that were facts to us.
One is about, uh, theydidn't get a chance to get this
entity done. They have to filetax, but they know they're not going

(01:40:46):
to owe money. So is therea real consequence to not filing right on
time? For that particular one dependson the type of entity. If it's
an eleven twenty year and eleven twentyess and what the hell does that mean?
I mean like it's an LLC.If it's an LLC and it's going
to be attached to their ten forty, which is called a schedule. See
the necessarily you don't have to reporton there if there wasn't any you know,

(01:41:09):
expenses, you don't it's a standaloneLLC with partners or not partners,
but other well, yeah, othermembers. Like so let's say there's three
members. That's what this guy issaying. I know the company three members
LLC. They didn't have much businessand they don't have no profit. They
have no profit, no tax dobut they just didn't get around of filing.
Yeah, so they're going to getpenalized. They need to file,

(01:41:30):
you know. I thought it's penaltybased on what you owe. It's no,
not necessarily you still have to filethe return. It's an informational return,
you know, So especially if there'spartners, what would they what would
they penalize? You do? Youknow there is a penalty per partner really
like ten thousand dollars. It canbe if there's you know, enough partners.

(01:41:50):
So isn't it shouldn't They just putin any kind of extension and that
would have ship. But I thoughtthey I thought entities were a month earlier
than Yeah, at this point they'relate. They should file something. And
if this is their first return andthey haven't had a previous return that was
owed, they can actually file toget those penalties waived. So just file

(01:42:11):
it, and there's a farm eightforty three. You can just file it
and say, you know, firsttime at batement's what it's called, and
they'll wave those penalties for the firstone and then moving forward, just file
it even if you don't anything.You know, typically you want to file
on personal taxes, the penalty istied to exactly what you oh, exactly,
So there are no penalties if youdon't. Oh no, not on
the personal tax. But if youdon't file because you think you don't owe

(01:42:32):
and you keep doing that, thenthey can file for you and they may
assume you all right, Well,at that point they just throw the book
at you because you get no deductions, you get no expenses, you get
none of the you know, thethings that would make it so that you
don't know, So just file it. Substitute return for you. Oh yeah,
they will. And what is thatbased on? Well, how do
they estimate incomes and stuff? Soessentially the irs is going to get a
bunch of documentation from people that aretwo two's anything the mortgage company sends them,

(01:42:59):
you know, all sorts of things, and then they're going to look
at that and then they're going togenerate a return based upon their perceived income
that you've received. Now there's anage old problem I want to send I
want to talk to you about,and that's called matching ten ninety nine Again,
I know you love this one.There are companies that keep track of
income religiously and they report their income. Now the ten ninety nine are separate,

(01:43:24):
but they're included in that amount.So let's say you have ten ten
ninety nine's at one hundred bucks eats, right, so you have one thousand
dollars of income. Now you reporton SCHEDULECEE or wherever wherever you report it,
you report the thousand dollars income,but you report it as ABC LLC
or ABC tom Right doing business whatever. So you include the ten ninety ninees

(01:43:53):
or not? You include them,right if you have them. But do
you say on that schedule somewhere thatthese ten ninety nine are incorporating into that
amount you need too or else?Do you have to go line by line?
Yeah? So they want to.It sucks. I mean, really,
what do you do if you havea The way that Dais looks at
it is they say, okay,well there's one thousand dollars of income.
We're gonna go ahead and accept hishis you know, voluntary reporting on that.

(01:44:15):
We see all these other income componentsthat he hasn't listed. Oh,
we're going to add those two nowright when you yes, what do you
do? You got to match?You have to match him or else they're
going to add that to you asan additionally. Wow, okay, we
have more coming up. If youhave questions. You're a business, now's
the chance three oh three seven onethree talk or three oh three Martino go
with a sure thing Denver's Best RooferExcel Roofing dot com. You don't pay

(01:44:39):
a cent until you're content. Timefor an insurance check up free no obligation
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three oh three seven toseven to one help. You'll think you're
his only customer when you choose Frankdurand the real estate Man dot com to

(01:45:00):
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.
Yeah, ripped up news need adviceso you don't have come Running's just
as fast as we can. Shooter'sgonna help coming. Man Dix is the

(01:45:26):
Troubleshooter show No Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three all three seven toone three talk is our number for the
station here and then three all threeseven one three eight two five five.
So what we can do is takecalls also at three oh three Martino three

(01:45:50):
oh three six two seven eight foursix six, and you can leave a
message if we're not there on thatone and we'll call you back. You
can call that twenty four to seventhrough Martinez. Hey Brad, what's going
on? Hi? Tom? Ihave a question about whether or not an
HOA is way out of line.Okay, I'll give you my opinion,

(01:46:13):
or maybe we can weigh in withsomebody on the legal aspect. But first,
just tell your story, Brad.Okay, I have a neighbor whose
house has been on the market forabout seven months, and I've come to
learn that they have had ten offerson their house. But the lady that's

(01:46:34):
in charge of the arc committee orarchitectural committee apparently has been interviewing the buyers
and feeding them a bunch of information, and all ten offers have been withdrawn
because of HOA issues. Now,what do you mean do you know why

(01:46:57):
they were withdrawn? After talking towho what what is her position of the
arts committee? Hold on the Areyou saying ARC our ARC the stand for
architectural committee? Okay, like theones who enforced covenants? Yeah, uh

(01:47:21):
huh okay, I don't understand.Why would she even interview them? I
don't get it. Well I don'teither. I don't think they have any
right to butt in between the buyerand the seller of a of a property.
Well, what I don't understand islike, for example, how does

(01:47:42):
the how does the are the theArchitectural Review Board even know that there is
an offer on the house? Howdo they contact the buyer? How does
this happen? I doubt I'm notsure. Well, see, Brad,
I need all of this information tosee if it's tortious interference or if they're

(01:48:05):
doing what's called a fiduciary or apotential fiduciary a favor. I mean,
there's really that much leeway. Arethey doing something out of duty or are
they interfering? What do you think? I mean, what did the neighbor
tell you? Well, apparently someof the perspective buyers have contacted the HOA

(01:48:33):
just I guess just to talk aboutit. Well, you know what that's
a good thing. Most buyers ortheir agents should contact the HOA, and
when they do, they say somethinglike this, I'm thinking of buying the
house at one two three Mulberry Street, and I'd like to know the condition
of the HOA or whatever. Andthe HOA then says, well, let's

(01:48:57):
meet with you, or they talkto them on the phone or what.
But yeah, unfortunately I don't havea lot of Well see that's what I
mean, Brad. I mean,I don't chastise you for calling. That's
fine, but I don't know Ieven have enough information to go on.
So is it something like this,the house has some architectural problems that have

(01:49:18):
to be fixed to come up tocovedence? What do you think is being
said? Has anyone shared with youwhat's being said? Not specifically? Okay,
Well then then I can't help you. You suspect though, that the
HOA is interfering, and I cansay this, hold on, there is

(01:49:41):
no interference. If someone buying ahouse calls the HOA and the HOA renders
opinions, now I just don't knowunless unless they're giving editorials. I don't
know, So can we, Brad? Is your concerned about this. Oh

(01:50:02):
yeah, they're very disturbed about it. Did they know you're calling me?
I know? Can you ask themto call us for help? Seriously?
This could be an issue or not. Did any of the buyers ever tell
him why they withdrew their offer?They just said because of h o A

(01:50:27):
issues. What did you know whatissues they are? No? I don't.
I'm My biggest thing that I wasconcerned about is does h o A
have any right at all? Butin between a buyer and a sewer?

(01:50:47):
Okay, Brad, you keep askingthe same question. I keep giving you
the same answer. The answer isif they are budding in, is it
one information that is truthful requested bya potential buyer or is it too tortious

(01:51:10):
interference? What do you think?We don't know yet? And why do
we not know because we don't knowthe circumstances of the conversations. So what
I'm gonna do is what's that I'lldo like you said, and pass it
on to the UH, to thefeller. Here's what I would say.

(01:51:34):
I would say to your neighbor.Hey, you know, Tom Martino listened
to this and said it could beone of two things. It could be
serious or not but you maybe wantto find out and then say if you
want, he'd be happy to talkto you. In fact, Brad,
what you could do is just givehim the three Well, give them three

(01:51:56):
h three Martino and then if theyjust mention you, Brad, you know,
recommended I call, We'll take thecall. I would love to hear
from them because I don't know what'sgoing on now. I will tell you
this. There have been crazy storiesin the past where hoa is if they
don't want someone there, will liethat's tortious interference or say things about,

(01:52:19):
well did you know that house hadfoundation problems? Or you know, if
I were you, I'd look twicebecause our ha is in big trouble and
we're going to have a massive,you know, appraisal or assessment. So
it could be someone being devious.We just have to know more details,
right and then we've had cases also, we've also had cases where neighbors did

(01:52:45):
not want someone to sell the housebecause I don't know why. They were
just jerks and they would literally startthreatening the neighbor. Not threatening, but
they put up signs. One guyI want to remember one time put up
a sign that says we play loudmusic and party all night long. The

(01:53:12):
neighbor put that up on their yard. Now, if you're going to find
a house and you see this bighandwritten you know, wouldn't you think okay,
turn around to leave. Because thelast thing anyone wants as soon as
they move into a house is orI have vicious dogs, play loud music
and party all night long. Imean, the last thing you want,
even if you love the house,is a problem in the neighborhood. So

(01:53:35):
yeah, have them call me backthree oh three seven to one three talk
three all three seven one three eighttwo five five more with Larsen, tax
relief and anything else you have onyour mind. Right after this, go

(01:53:56):
with a sure thing Denver's Best rooferExcel Roofing dot You don't pay a cent
until you're content. Time for aninsurance checkup, free no obligation comparison call
Compass Insurance paying too much your coverageat dozens of insurance companies find out now
three all three seven seven to onehelp. You'll think you're his only customer

(01:54:17):
when you choose Frank durand the realestate man dot com to list your home
with Remax Alliance three all three ninetwo zero sixteen twenty two. Hi Tom
Martino, your troubleshooter. Three allthree seven one three talk seven one three

(01:54:38):
eight two five five. We haveSteve Cizik with us from Larsen tax Relief
dot Com. And we have somequestions for Steve. And uh, let
me just hear. I just sawit some time on a tax question.
I filed taxes. Okay, let'ssee tax question in twenty twenty three.

(01:55:00):
I filed. Let me just makethis a little bigger here, okay.
I filed taxes for twenty twenty one. I was late. It calculated my
child tax credit as two grand.However, I got an IRS letter indicating
I receive fifteen hundred as an averageas an advanced tax credit. I don't

(01:55:23):
understand what that means. Do youknow what he said? I'm not really
sure it okay, okay, Andit says therefore only five hundred credit will
be applied. Oh, they saidhe had already gotten some kind I never
even heard of an advanced child credit, have you There was a Yeah,
there's an increased credit with some changesto the law under Trump. So you're

(01:55:43):
getting more money. First, hesays, I never got fifteen hundred,
So what do I do. Ionly got so he's claiming they're not giving
him as his tax credit because healready had gotten it, but he didn't
get it. And I'm not acaller or texter, I'm not exact exactly
sure. How can I verify thefifteen hundred was sent and where it went?

(01:56:04):
So let's talk about that in general. If payments were sent and hijacked
or whatever, what do you do? Does the IRS keep track of where
they sent it and when they sentit? Well, I guess the first
step was to see if they sentit. So that's when you call the
taxpayer transcript Okay, call the advocant. Well, yes, well if they
sent if they're if they proved onthe transcript, or they have record that

(01:56:26):
the IRIS sent the check, soit'll say on the transcript fifteen hundred dollars
refund or whatever it is. Andyou didn't receive it, that's when you
didn't need to connect with the advocates. Say hey, and I have never
received it. He got a lettersaying you got an advanced childcare credit and
he's not childcare. But what ifthey actually call it it's a child tax
credit, which again I never heardof. But I mean, that's just

(01:56:47):
it's it below the line credit.Yeah, it's just basically, if you
don't owe anything, you almost youget that money back. Okay. Also,
here's the next one. Then,so he calls taxpayers that could asked
for a transcript of that check orwhere it was sent, and they'll okay.
So if it was cash but itwas fraud, what do they do
about that? So if you canprove that the check went out and was

(01:57:08):
cashed not into your account, thenadvocate can actually help you to get that
money back. Okay. Yeah,the diires will eat that. It's a
it's okay, fulating. That's reallygood to know. Here's the next one.
I owe taxes from twoy eleven totwenty twelve as a result as a
result of an audit in twenty thirteen. So I guess he owes taxes from

(01:57:31):
eleven to twelve based on a twentythirteen audit. So two years he owes
taxes. I have read that theywon't come after me after ten years.
So since this was eleven and twelve, do I have anything to worry about?
So the collection statutes are essentially aten year statute from the date in

(01:57:55):
which the assessment was made or thedate in which the return was It was
it made in twenty thirteen on theaudits, that's the question. So if
he was audited in thirteen, potentiallythe audit carried through to fourteen or fifteen,
so you'd have to look and seewhen they actually assessed him with those
additional balances, and that's when theclock starts. So if it was made,
why I need to do anything,he asked, Well, you know,

(01:58:16):
at this point you can call andfind out when those assessments were made
and then you can do that calculation. And actually that year, they absolutely
can't do anything right unless there's beenanything to delay it, which so if
you fileffer and compromise or an appealor something, that can tell that statute.
But if it's just been running andlet's say it was July have twenty

(01:58:38):
twenty three, it should have expiredby now, okay, now twenty thirteen.
Now, speaking of taxes and financeand all of that, here's the
report from this month or late lastmonth, so it's brand new. For
the first quarter. Business optimism isthe lowest it's been since two thousand and

(01:59:00):
twelve. Now, what is asmall business optimism Index. What is it?
What it is is a perception ofwhat small businesses think of the economy
and their outlook. It's not necessarilysomething that has happened. It's not a

(01:59:24):
lagging indicator. It's more of aleading indicator, right, because this is
if they believe that there must bea reason, or you could consider it
a lagging indicator, meaning what hasbeen going on leads them to believe this.
However, it doesn't matter. Butit is the research foundation for the

(01:59:45):
Small Business Economic Trends Council. Here'sthe thing. There's an organization that put
this together called n FIB, andNFIB is what they call themselves is the
Voice of Small Businessiness. And theyput together this Optimism Index, and it's
usually for small business. So here'swhat they measure. Your plans to increase

(02:00:13):
employment. That's an indicator, that'sa leading indicator. And they say eleven
percent, meaning eleven percent will that'sa small number, all right? Then
they give that a score. Plansto make capital outlays only twenty percent,

(02:00:33):
really bad right for small business.Listen to this one. Plans to increase
inventories negative seven percent? I meanthat now, listen to this. Do
you expect the economy to improve negativethirty six percent. Now, let me

(02:00:56):
tell you something. Even though theycall these percent indexes, when does perception
become reality. Well, let's putit this way. If they don't believe
the economy is going to be good, they're going to hedge. They're going
to protect themselves, right, They'renot going to spend as much. They're
not going to make big capital investments, and they're not going to hire.

(02:01:19):
They're going to what I call bein a defensive position. In a defensive
position, then you have them spendingless, hiring less, and you have
it leading into the market. Ifseveral small businesses do that, do they
expect sales to go up? No? Eighteen percent. Here's what they figure,

(02:01:44):
a negative eighteen percent in sales,that's the average on this survey.
They also believe current job openings rightnow are way less than what the administration
is reporting. They say only thirtyseven percent of small businesses are even looking
to hire. Negative eight percent.Is on whether whether or not you expect

(02:02:09):
good credit conditions. Is it agood time to expand four percent of the
businesses say no, I mean yes, yes, only four percent. Ninety
six percent say not. A goodtime to expand next earnings trends. What
are their actual earning trends. They'redownward negative. Twenty nine percent believe that's

(02:02:31):
that's how bad they believe the perceptionis for earning trends. So that's a
big problem. And that and perceptiona lot of times can dictate how businesses
operate. Well, it dictates howpeople spend money. I mean, it's
it really is a real thing.When people believe. For example, a
guy who feels he may be laidoff. He's not, but he feels

(02:02:55):
he might be, he might putoff a car purchase. If he puts
off a car purchase, that's goingto affect the manufacturers, dealers, salespeople,
AH support staff, sure gasoline,and anecdotally, I mean, I
have these conversations a lot because itis tax season, and I have a
lot of business owners calling me andsaying, well, I owe all these
taxes. You know, well,how can I pay all these the economy

(02:03:16):
is going to be so bad.But then you look at their p and
L and their taxes. There's areason why they owe so much taxes because
they had a banner year. Andthe perception and reality are two different things.
It's it's something that these business ownershave to get their head wrapped around.
It's like, yes, I knowthat there's pessimism in the economy right
now, but if you actually lookat your books, you're doing really well.
If you look at real a coincidentalcurrent indicators, there's not many bad

(02:03:44):
ones. Right. No, they'redoing very well now. But that doesn't
mean that in three months. Theyknow you do that very well. But
why, I wonder why? Andlisten, I'm not a big fan.
I'm not a big critic. Idon't want to get into the politics of
Biden. But he has not gottencredit for anything, even the positive indicators.
But they do blame them for theinflation and for rising gas and for

(02:04:06):
other things. Now, I'm notsaying, you know, let's all get
on byden Society's a great guy.But truly, the indicators of the economy
do not indicate how bad. Peoplethink. It is exactly right, exactly
right, and so they're preparing forthis eventual what they're worried about so crazy,

(02:04:27):
which is a crazy thing could happen. A lot of these positive things
can turn negative because people expect themto God speak them into existence. Right,
So yeah, I think the negativeconnotations in the economy right now are
not reflective of the economy, butthat doesn't mean that it may not lead
to that because of the way thatpeople are perceiving it, which is interesting.

(02:04:48):
It doesn't follow any current economic theory. That for me, it's hard
to track because I would like people'sopinions on that, even my YouTube morons.
Speaking of YouTube morons, one asswhat's going on with that Santa Fe
and Planet Hyundai. Uh well,I'm going to ask, I believe who
did I ask to call over there, Deputy Chopper, And we're going to

(02:05:09):
follow that up right after this gowith a sure thing Denver's Best Roofer Excel
Roofing dot com. You don't paya cent until you're content than time for
an insurance checkup free no obligation comparisoncall Compass Insurance paying too much your coverage

(02:05:32):
at dozens of insurance companies find outnow three all three seven to seven to
one help. You'll think you're hisonly customer when you choose Frank durand the
real estate Man dot com to listyour home with Remax Alliance three all three
nine two zero sixteen twenty two qualitativeHi Tom Martino. You are a troubleshooter.

(02:06:01):
Three oh three seven one three talkthree oh three seven one three eight
two five five. What's going onin your life? You know it's really
David. Uh it's really hard face. I'm going to go to you chopper
in a second here. Uh sohang on with that planet Hyundai. We
want to know what you found out, David. What's going on with this

(02:06:25):
apartment eviction? It looks serious tome? What's happening, David? David,
are you there, sir? Yes, I am. What's happening?
All right? I'm seventy three yearsold. I had a stroke and I
have a short time memory. SoI would like to spend my problem to
you, and then you ComNet meknow what to do? Yeah, okay,

(02:06:48):
tell tell me what's going on?You're seventy three? What's happening?
Back in February, I wasn't ableto pay my rent because I was sick
and I have a part time jobto how many payment for my rent?
So I didn't pay and you wereunable to pay rent. One month in
February, I didn't pay my rent. I got an eviction notice, so

(02:07:08):
I was waiting for the summons togo to cart. Is that the only
time you skipped rent? And thenthat's in February. I never got to
summons to go to cart. Andthen in March I slipped rent again,
and I never got an adviction noticefrom March, and I still never got
an adviction of summons to go tocart. So come April, pourist.
I took my one month rent downthere for April, and I gave it

(02:07:31):
curious to ticket, but I askedabout February March. It's because well,
my bar is still looking at it. And then that's wait a minute,
you didn't pay February, you didn'tpay March, but you paid April.
And you said you got an evictionnotice but not a summons. No,
I never got a summons. Igot eviction one from February, but I

(02:07:51):
never got addiction one from March.They don't have to give you another one
for March. There's just one evictionnotice. Then they served you with a
summons. I got that last nightafter Okay, see, you were under
the impression they have to do everymonth. They don't, so they did
it the right way. You gota notice, and now they filed for

(02:08:11):
an eviction court action and you haveto be in court when in seventeenth of
what this month? Okay, soa what's that? No, it doesn't
matter that April was applied. Seethat's the problem. You can apply it

(02:08:31):
to April, but no matter,or you can apply it to February.
You can apply it, but nomatter where you apply it, you're still
two months behind. Will they giveyou any kind did you try to negotiate
a repayment schedule for those two months? Oh? Not yet, something,
I have to do it on theseventeenth. Well, and the seventeenth you

(02:08:52):
go to court, right, andmost likely all the judge does is validate
that there's a lease and that it'sa legit charge. The judge is not
going to work out a payment plan, nor even suggest one. You need
to meet with them before you goto court, because once they go to

(02:09:16):
court, you're gonna get an evictionorder and then they're going to move you
out. All right. Somebody tellingme once they accepted April rent that they
got to start the eviction over.No they don't, No, they don't.

(02:09:39):
Okay, in the eviction notice,the thing you're calling a notice,
did they ask for payment they have? Yeah, they said I have thirty
days to come up with the payment. Why didn't you? What's that?
Why didn't you? I didn't haveit? Oh, I see, okay,

(02:10:01):
how much is your rent? Howmuch is your rent? So you
owe? You owe twenty nine hundreddollars for those two months, right right?
Yes? Plus you owe probably legalfees. So what's the total you'd

(02:10:22):
have to pay to get out ofeviction? Is there an amount they will
take? No, I haven't talkedto nobody yet. Nobody. I haven't
talked to nobody. No. No, they usually do want to talk.
They usually do want to settle.They don't want to go to court.
If they don't have to, youhave time to call them. But what
difference does it? Well? No, no, it does make a difference.

(02:10:43):
If you ask for a payment schedule, I will call them and talk
to my learn who work with me. If you listen, would you call
call us back if you can't?But the first thing I would do is
all say you know, I gotbehind because blah blah blah, and then

(02:11:05):
I want to make up the backrent. Can you give me a payment
schedule on top of my regular rent? That's what I would do, But
don't don't go in their half cockthinking they can't evict you because you paid
your rent. Once you're late onrent, they can start the eviction process
until it's paid. They don't haveto file every time you're late. You

(02:11:28):
don't get a notice. Okay.I also was sold that they had to
give me a summons to go tocart with you ten days I think after
the eviction, after the thirty daysup. So there is no no see
you look it. I don't knowthe exact process. I always I always

(02:11:50):
get hung up on it. Buthere's here's what I want you to know.
They probably have a right to dowhat they're doing, and to fight
the process, says is stupid.And here's why. Here's why. It
just starts the process again. Evenif you were right, and you're not.
But even if you were, itwould start the process again. You

(02:12:13):
would gain nothing. They're still goingto evict you. Oh yeah, tell
me this, what tell me this? What good would it do if they
had to start the process again foryou? How would that change your life?
Nothing? Change nothing? Right.The only thing that would change something

(02:12:35):
is if you could pay it backsomehow. I'm a concien make I'll pay
you. Why don't you do that? Would you call us back. I'm
gonna mark this down so I rememberyou. You call us back, okay,
David, all right, no seriously, and like I said, when
you do it, don't make itsound like, Hey, you guys didn't

(02:12:56):
evict me, right, you didn'tgive me the right notice and right time.
Just say, listen, I haveto go to court. Is there
a way we can settle this beforehand? I am willing to go on a
payment plan. I'm disabled. Ihad a stroke. Then call me back.
Okay, all right, let meknow. Thank you, David,
thank you. Let me know.I hope that works. We have more

(02:13:18):
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three seven to seven to one.Help. You'll think you're his only when

(02:14:00):
you choose Frank durand the real estateman dot com to list your home with
Remax Alliance three all three nine twozero sixteen twenty two. Hi Tom Martino,
your troubleshooter three O three seven onethree talk seven one three talk seven

(02:14:26):
one three two five five. DeputyChopper, we have this Planet Hyundai situation
that advertised a vehicle and wouldn't sellit for that price. We've had other
complaints about that happening with Planet Hyundai, and I asked a simple question.
We identified a vehicle on their website. They had a price on it.

(02:14:48):
I wanted to know, will theysell it for that? What did they
say? The problem, they saidwas the webmaster had put in the wrong
amounts. I give it. That'sokay. That would be the second time
he put in the wrong amount.Then okay, But this thing really just
got weird. I talked to thesales manager. He says, they will

(02:15:09):
sell them for the price that theyhad showed thirty seven. Uh no,
actually they wanted thirty eight two ohseven. When I talked to him,
right that was on the website.Right. However, just now the price
of that car has dropped down tothirty five seven oh seven. Why,
I just looked at it, andhe says he will sell it for that

(02:15:31):
price. However, the trailer,hitch and installed everything will be an additional
eight hundred and fifty eight dollars.But eight hundred and fifty eight and thirty
five seven oh seven is just aboutwhat that tim wanted. So I want
to call it right, and itis what he wanted. But see,

(02:15:52):
here's the problem with these people.They advertise I see it now, it's
now thirty five seven, but theystill have the damn toe package listed as
an option, when really that's anextra eight hundred dollars. That's true,
but let me tell you what theysay. The toe package on the Santa

(02:16:15):
Cruz is only the wiring from let'ssay, the tail light to the receiver.
It doesn't hook up to the receiver. So when you look on for
what a but does it have areceiver? No, okay, that's not
part of it. It's just thewiring that would go down to the receiver.
Then then is that is that isthat proper to call it a toe

(02:16:37):
package? I know that's not sucha big deal. But is it proper
to call it a toe package?I would call it a wiring package.
Yeah, I mean, you knowthis is a great price. Did you
talk to Tim because he should gobuy it. He was willing to pay
that in the very beginning. No, the price just dropped as I was
getting ready to, Okay, callhim. Do you have his number?

(02:16:58):
Yes? I do. Tim.I don't know if it was because of
us, but that damn price wentdown to thirty five seven oh seven.
And even let's not even argue aboutthe toe package, because even if you
add the dang toe package, whatdoes it come to. Did you actually
do the math on the thirty fiveto seven oh seven? What did he

(02:17:20):
say it was gonna cost? Eighteight fifty eight equals thirty six five sixty
five. So for thirty six fivesixty five, Bro, you get that
one you wanted with the toe packageyou wanted. And that's a great deed.
Tom. There's one more quick,go ahead, quick, he said,

(02:17:41):
go to U haul for the toepackage. They're cheaper. Oh cool?
All right? Hey, by theway, uh, Larsontax Relief dot
Com thanks for being here. Eightfour to four Larsen Tax that's eight four
four Larsen Tax and Steve Sizzek,thanks for being here, and don't forget
three Zho three Martino for help.