The Troubleshooter 6-13-24

Episode Transcript

(00:00):
Yeah, ripped news. You needit by so you don't have come running.
Just as fast as we can.Shooter's gonna help coming. Man Dix

(00:20):
is the Troubleshooter Show. No TomMartino, Hi, Tom Martino here,
Welcome to the show. Three ohthree seven one three talk three oh three
seven one three eight two five fiveToday I have We're gonna talk a little
bit about counting, bookkeeping and allof that stuff that has to do with

(00:41):
taxes, tax planning. Now mostof the deadlines are up. We have
one more deadline coming, but thereal deal is just being prepared for next
year and what changes there are.So if you're running a business or even
your personal taxes, we want tohelp you. Plus will help you with
anything in the world. All youhave to do is call us. That's
what this show is about. Help, Help, help, help, That's

(01:02):
what it's about. So you gota problem, you call us when it's
just starting, and we'd love toget involved early to help you. Recovering
hundreds of millions, literally hundreds ofmillions of dollars over the years in cash,
merchandise, exchanges, refunds, andservices. Leon wants to talk about
a friend, Hector. Let's talkabout it? Uh Leon? What's going

(01:26):
on? Leon? Oh? Okay? Uh? Leon had to go back
to work. But this is Dorene. Are you the one he's calling about,
Doren? Yes, we're going forHector. Oh, you're calling for
Hector. Okay, So what's goingon Doren? Okay? The problem is
is that Hector had to leave outa town to go to work, and

(01:48):
he was working out there, andthen apparently he had to work more more
months. He actually worked four monthsout there. So where where did he
go? Out of town? Ath Letterman? Okay? So what happened?
Okay? So when he got back, the cops came to his house

(02:10):
and locked all his doors, lockedall his doors up, and the cops
came with them, and so hesaid, what could I do? I
want to wait wait wait, wait, wait wait, Doreen. There's a
lot missing here. So he wentout of town for work, and then
when and how long was he gone? Four months? For four months?

(02:32):
And then when he got back,when he got back his three months?
Three okay? And when he gotback the police came and locked him out
exactly. Well, that doesn't happeneven if he was a squatter, that
doesn't happen. I mean, thisis highly unusual. Why did they lock

(02:52):
him out? Because the property thathe's on, it's a trailer So his
property, his trailers paid off.He has a title, no, so
that's his trailer, right, yes, and it's on someone else's property.
Yes, it's at Lucas Garden Medalsso it's is that a trailer park?

(03:17):
Yeah? Okay? He so heowns the trailer outright, and and it's
in a trailer park and they lockedit up. Now, why tell me
why? They said, because hemissed the three payments on the lot.

(03:38):
Okay, Oh, did he missthe payments on the lot? He missed
the payments on the lot. Buthe's willing to pay. They told him
that he can't pay through the office. He would have to pay through internet,
and he didn't know how to dointernet. Okay, okay, Now

(04:00):
listen, Hector owns this trailer.How long has the trailer been there?
Fifteen years? Okay, fifteen years? And they and he's been paying.
I mean he has a pretty goodhistory of paying. Yes, never missed
a payment noreat Okay. How longago did this happen? Guand in March?

(04:27):
In March? Okay, between Februaryand March. Okay. Now what
I'd like to know now is wherehas he been living in his truck?
Okay, we got to figure outwhat's going on because they're not supposed to

(04:48):
just lock him out like that.Some Is he sure the police did it?
Does he mean the sheriff's department?A sheriff's department? Yes, and
okay, did it medicine? Nowthey're taking his clothes out. Now there's
something wrong. What are they goingto do with this trailer? Give I'm

(05:10):
a second. They put a forsale, They put a for sale on
his trader. No, okay,hey, Katschina, this is serious.
We got to help this guy rightaway. Can we try to get I
don't know how much Brad O'Brien knowsabout this, but if he could bone
up on it or tell us thisis a trailer. Did he have a

(05:32):
year? Did he have a leaseat lease? Then at least no on
the par huss No, no annuallease, no annuals okay, so he
had basically just month to month leasefor fought for ten years or fifty whatever,

(05:56):
fifteen years? Yeah, okay,hold on, dear, do not
hang up. We're going to tryto get some help, Okay, and
see what his rights are. Okay, thank you. Okay, Now we're
going to figure this out. We'retrying to figure this out. But I'm
pretty sure when it comes to rightsand trailers, you just can't lock someone
out, even for three months.I mean, there's a process here.

(06:20):
Do you know, Doren? Letme bring Doreen back. Do you know
that they serve him while he wasgone? Did they have a court hearing
at all? Den't court hearing?H Okay. When he came back,
he's seen the papers and he said, okay, it seems like there was

(06:41):
something. Now, why did henot make his payments? I want to
ask, because he said that theyhe called them and they said that he
has to do it online. No, I get it here, but wait,
wait, wait, how did henormally pay for his lot? He
would go to the office. Yes, And because he was out of town

(07:04):
and he called him, they said, well, make your payment online and
he did not know how to dothat. Correct, Okay, I got
it. I got it. Andthe name of that park again is what
does he have all the money topay it? Right now? It's called
Guardian Metals. Yes, he hasall the money to pay it right now,

(07:24):
I mean, including late fees anything. He's got that money, everything
he has. Okay, okay,let's figure out what's going on. I'm
sure you know. I can seewhere this can happen. Where a guy
he doesn't you know, at leasthe called him and they said, well
you got to go online, andhe didn't know what to do. Now,
of course twenty twenty hindsight would tellyou. What you do is you

(07:46):
get a friend to help you out. I mean, you got to.
You can't just ignore it. It'snot going to go away. And so
let's figure out if we can undothis thing and call over there. First.
I want to find out from BradO'Brien if he could maybe he knows
where to look. We just needto figure this out, or Mark,
maybe you can look up something abouttrailer rights as well. So Tom oh

(08:07):
wait, well oh Brad said no, he doesn't know anything about Yes,
he declined, Okay, damn it, Just send me over the place's phone
number. I don't care about thetrailer rights. I'll go ahead and call
over and see if I can't figureit out. As long as this guy's
got all the money, I mean, then I might be able to pull
something off. He doesn't have themoney. That's a whole different story.

(08:28):
Yeah, he has the money topay what he owes that. How much
does he o total? What arewe talking? Three months? Can't be
a lot? Well, he's probablygot some late fees. I would assume
how much total? All right?Just get all that info to Kelly,

(08:48):
show email it over, Okay,just to have curiosity, Duran, how
much is this lot rent? Howmuch is a loaded? Yeah? And
the opendien though it's a one thousandaround there? Wow, just for the

(09:09):
lot? Does that come? Okay? I'm just okay, never mind,
it doesn't matter, okay, threeol three seven one three talk seven one
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(09:56):
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.Hey, I'm Tom Martino. You're troubleshooter
three all three seven one three talksseven one three eight two five five.

(10:18):
I have Eric Reinemer with me.It's just a quick question for him at
at LISS CPAs and Financial Advisors.By the way, this is important for
me, Eric, and then we'llget back to it. Are there any
changes for the tax year we're currentlyin that or excuse me, Yeah,
that coming up that people should bekeeping track of so when they file in
twenty twenty five before April fifteenth?Is there anything going on this year that's

(10:43):
substantially different at all? Big?Is it the twenty seventeen tax cut bill
could go away in twenty twenty five. So next year is the year of
big chem Now, now, whatdo you mean the tax cut bill back
in twenty Trump bill, Man,the Trump bill where tax rates came down
and they were good until the sunsetthey go away in twenty twenty five,

(11:03):
how much did the rates come down? Oh? About to say, five
or six percent for everybody? Okay, So when Biden gets re elected,
you think he'll do away with it, You think he'll let it Son?
Here you I'll stop tell us,Mark, let's the story. Mark,
I'm just kidding you. Mark,I'm just kidding you. Man, I'm
serious, I really am. II mean, but but Mark, I

(11:26):
just want you to know. Therewas a survey done and ninety nine percent,
ninety nine percent you'll ever stay awayfrom surveys, ninety nine percent of
the A listers are for Biden.So all twelve of them, no the
A lister Hey, So Eric ona serious no and I am kidding Mark

(11:46):
on a serious noose, like cludingdemocrats who just don't like you, if
they are in power. If theyare in power, do you think that
Democrats will sunset that bill, letit go away? I think if if
if, if the if they havethe House and the Senate. If they're
in power, then I think they'lljust let a sunset. But there's probably
gonna be a mixed government between allgood. It keeps everybody, you know,

(12:09):
kinda I can pick up one wayor the other one, so anyway,
it keeps the border wide open.Yeah, it does a lot of
good things, guys three h threeseven. You know what, because Mark,
it won't well, I don't care. Well. I love them talking.
I want you guys feel free.Now on the iHeartRadio app, there's
a talkback button. Okay, nowlisten on the show here. You can

(12:30):
call that time what you think onthe talkback button. Do not use it
for regular consumer problems. But ifyou have a scam you on a warnus
about, or if you want tomake a statement about politics as it relates
to taxes, personal finance or consumerissue, feels free to do it or
anything. I'm not going to respectyou to hear from one person that says,

(12:52):
oh man, I hope it's sunsetsand my taxes go up. Now
here's the deal. You go tothe iHeartRadio app and hit the red button
and leave comment. Shannon and Dragonwill play them. And here's what I
want to tell you you can sayanything you want, just we can't have
any of those words you can't sayon radio. But other than that,

(13:15):
you can come pretty close. Buthere's what I really like. I am
trying to follow Mike Brown. Hereally uses the hell out of this Michael
Brown. He does a great jobgetting talked back. So that's what we
want to do. We want tobe the second in second place for that.
Okay, so let's go back andtalk to Kendra now, and Kendra

(13:35):
and we're trying to find by Markis going to call that, uh that
trailer part for Breen. But nowwe're with kend what's going on with you?
I listened to a caller that youhad yesterday named Joe who had Marvin
Infinity Windows by next Gen installed bynext gen. That's right, and next

(13:56):
Gen refuses to do anything about it. The installation is horrendous. Yeah,
and I it was very similar towhat I'm experiencing. I just had one
slider door installed by Did you haveit done with next gen? Yes?
Correct? And it's you know whata lot of I think next Gen might
be a problem here, Mark,I'm thinking I mean two in a row

(14:20):
like this now, people might say, Tom two complains, how can that
be a problem. Well, whenyou take a slice of everyone out there
and I get two of the samein two days, now, Kendrick,
tell me what's going on with you? Kind of the same experience that Joe
was having a lot of air infiltrationon the bottom of the slider, super
drafty, condensation on the inside track, freezing, and they blamed your house,

(14:43):
right, No, they didn't,Well they they didn't blame the house.
They just said the first time theycame out, they put a bead
of cocking on the outside. Thathelped zero percent. The second time they
came out, they talked the inside. There was some improvement with that,
maybe like fifty to sixty percent improvement, but it's still really drafty. The

(15:05):
project in moisture now, yeah,and moisture on the inside. Okay,
So we got so what what's thelatest word from next gen? We got
to start looking into next gen people, Oh, what's the latest? That's
the extent. They gave me someMarvin accessories is what they call them.
And it's a piece of like aplastic sponge that I put in the wheephole

(15:26):
and a piece of sticky velcro thatI put on the corner of the inside
track to stop the chimney effect.I don't know if these are legit Marvin
accessories, but so I put theI install those in the winter, and
I got to remember to take themoff in the summer. I'm just going
to tell you something, Okay.It is not a Marvin problem. Yeah,
it is a it is an installationproblem. Okay, yep. And

(15:52):
I we a deputy doc. Iknow he's working from home today. Is
anyone in the studio by the way, No, okay, so Shannon,
No one's in the studio. Nodeputies are in the home mothership. We
do not have anybody currently, butwe do have people taking cases. Okay,
let's give this wait. Is boopen bo and chopper? Okay?

(16:17):
Anyway you pick it. Okay,just let me know who have them called.
We need to we need to nowstep it up with next gen.
We need to step it up becausenext gen then come on, there's too
many. And I've gotten some inquirysince that call yesterday and now I'm getting
this one. Something's going on,folks. You see, we know about

(16:38):
things before anyone and I'm telling yousomething is going on. Something is going
on. So remember until we findout more. We are investigating this.
For damn sure. I do notlike what I'm hearing, So thank you
for alerting us. We're gonna putyou down here. We will have some

(17:00):
a deputy. Who do you thinkWe're going to give this to Kachina.
We're going to give it to Chopper. Okay, So Chopper, I want
you to call him, like duringthe show if you can, and find
out what the hell's going on withtheir installation department and why they're not taking
care of these problems. They can'tblame houses on all of this. For
God's sake, you can't just youjust can't do it. Oh, Laurie,

(17:21):
what's happening? Laurie, Welcome tothe show. What's going on?
Hi? Tom? Hey? Ihello. I went online to a link
that my mortgage lender sent me.I was interested in purchasing my neighbor's home,
and so I contacted him. Hesaid, okay, great, fill
out the application. No, waita minute, wait a minute, wait
a minute. You want to purchaseyour neighbor's home, but your lender that

(17:45):
you wanted to get a loan fromgave you a link to go apply he
did, Okay, So what lenderwas this? It's called American you know
what, I'll have to look upthis specific. I'm okay, that's okay.
So how'd you find how'd you findthis lender? You know what?
It's actually my cousin's husband and beforeand have no issues. You know,

(18:11):
it's okay. Fine, So yourcousin's husband, your cousin's husband gave you
a link. What happened? SoI built out the application at noon yesterday,
and I'm telling you, at twelveten, I started receiving phone calls
and up until like this morning,so I've received over one hundred phone calls

(18:32):
of people trying to sell me amortgage. And I'm like, and this
is my work number that I've used. So even today, I've received sixty
nine phone calls since eight am.Oh my god, wait a minute.
This link that he gave you wasn'ta Was it for his company or is
he some kind of a broker?What is he? Well, she said
that it is his company. SoI told him, I said, you

(18:53):
must be selling the information. Isaid because because he said he didn't even
receive my application yet and I wasalready getting phone calls. And I said,
well then either you have an unsecurewebsite or you're selling my information.
And he's said that neither of thoseare true. But he's claiming that Experience
sold my information as soon as Isubmitted, and I and I wait,

(19:15):
how would experience know? How wouldexperience know that you just submitted an app?
Did somebody pull a credit report?Right? So I'm assuming that this
automated system must have went and pulleda credit report instantly, because well,
hold on, when you went on, Tom, it's like Rocket loans.
If you use something like Rocket Loans, they send it out to a million

(19:37):
people and those I I get that, I get that. But Laurie says
she didn't use a company like that. She used one private lender, supposedly
her cousin's husband. It was probablya broker that was shopping it. I'm
wondering, and that's exactly what Itold him, And he squears up and

(19:57):
down that it's not him, andI it's just can you give me the
link? What is the link?Let's ask Brent Ivanson as well. Yeah,
good idea, Okay, let mego ahead and pull that up.
I'll just be one quick moment here, okay, and then we're going to
take this break and come right backto you. I want to find out
what that link is. I'm TomMartino three oh three seven one three Talks

(20:18):
seven one three eight two five five. By the way, Frank Duran the
real estate man, speaking of realestate. If you're looking to buy something
and you already know what it is, do you know what he can do.
It's called transaction brokering. I hadhim do this for a friend of
mine. They he was renting aplace, one to buy the place he
rented, but they wanted somebody todo the contracts, the due diligence,
help him with title work and allthat. And each party needed the expertise,

(20:42):
and they got Frank Duran, thereal estate man dot com. It's
called transaction brokering. It's a lowerfee, much lower fee because they don't
have to market it. He cando this and many anything to do with
real estate three oh three nine tozero sixteen twenty two. Go with a

(21:02):
sure thing Denver's Best Roofer Excel Roofingdot com. You don't pay a cent
until you're content. Time for aninsurance check up, free no obligation comparison
call Compass Insurance paying too much yourcoverage at dozens of insurance companies. Find
out now three O three seven toseven to one help You'll think you're his

(21:22):
only customer when you choose Frank durandthe real estate man dot Com to list
your home with Remax Alliance three Othree nine two zero sixteen twenty two.
Hi Tom Martino, your trouble shooterthree O three seven to one three talk
seven one three eight two five five, Louri, we did find out some

(21:44):
stuff from Brent Ivenson at Ideal HomeLoans, by the way, for your
next Ideal Home loan, and Ishould mention when I mentioned idea, I
got to mention this. I justhave to. They do the interest rate
guarantee, the only ones I know, and that means if you refire,
if you use a loan, youmight want to consider this, Lorry,
seriously, you call Ideal three hthree nine nine six nine thousand because when

(22:06):
rates go down, they'll refinance youfree of charge. But I want to
I want to ask you to tellyou. Brent said that as soon as
anyone pulls a soft pull on yourcredit or any credit, that the credit
bureaus now sell your say Laurie's lookingfor it could be cars by the way.
Yep. If whatever kind of alender pulls your report, it goes

(22:30):
out to everyone. That is terrible. I wonder if you can opt out
of that mark. What do youthink I got it? I mean somewhere
along you line you ever went tobuy a car or go to buy anything,
and being able to opt out ofanything, you know, But I'm
thinking somewhere though. Well, actually, when we don't deal with credit,

(22:52):
you just say we don't give thempermission or not. That's just what they
do. I don't even though ifyou could demand that they don't do it.
I don't think you can. Youknow that information. It's terrible.
I can't believe how many phone callsyou got. I'm at seventy six phone
calls now and this is you know, and just for anybody listening, don't

(23:14):
use your work phone. I thoughtit would be good because you could get
in touch with me where, youknow. I thought it was a good
thing. You know. I thinkthis is where a Google phone comes in.
This is where a Google phone comesin. You get a Google number
and you use it whenever you needa number, and you don't want to
miss a call because they can leavea message. You will see it.
You can forward it to your cellphone and if it gets overwhelming, you

(23:37):
can unforward it. I'm telling you. Google Voice is one of the best
inventions in the world. And Ihave a Google number. And what's great
about it is it's a real number, so it can be verified. And
if you have to, like ifthey send you a code, you can
go on Google Voice and get thecode. You can always use a Google
Voice number. That's a good tipfor everyone. But Laurie, sorry about

(23:59):
that, but you know, atleast we found out what it is.
Three three seven one, three eighttwo five five. I'm taking you in
order, Doreen. Let me giveyou an update on your friend Hector.
Okay, he did not pay forthree months and he was away. He
meant to pay. He called them. They said you got to go online.
He didn't know how to do it. So here is what is happening.
Mark, go ahead. Well,I left a message over there and

(24:25):
I said he's wanting to pay rightnow, give me a call back and
we're going to get you guys paidthe day so he can quit worrying about
this. He has all the moneyand I should be receiving a callback from
the manager of that particular complex orpark. Uh, pretty soon, so
we'll see. And the guy tookdetailed notes, So, Doreen, I
don't think it was a shine on. I think they're going to relate the

(24:48):
relay the message. But I guessanother thing that I'm puzzled about is how
they could lock it up. I'venever heard of that extreme measure. I
am. Yeah. I wonder ifthey already went through an eviction process or
something. We're not being told they'rejust taking little by little out. They

(25:08):
took out some of his clothes already. I just simply don't believe that.
Why would anybody want Hector's clothes?First of all, I don't think they're
allowed to do all of that wrong. Why would they The neighbors took pictures
to show Hector what they're doing.I wonder is it the park doing it

(25:29):
or vultures? The No, thepark, because there's a sign on there
she put and she put just apiece of cardboard saying for sale. Oh
it's a for sale sign. Didhe ever get any form of eviction notice
or notice that it was on thedoor when he got back marked it was

(25:51):
on the door. See, theymight have gone through everything already. Yeah.
Yeah, but well no, I'msaying he might have been evicted.
He I have missed a court date. It might be done and over.
The sheriff might have showed up.I don't know. Ah, Okay.
The thing is is that the trader'skid. And if he could pull that

(26:15):
trader out, if they don't wantagree to give him a chance, Well
hold on that can he can hepull that trailer? How big of a
trailer is that? Okay, let'sgo that's trailer. It's about Ah,
it's a double forty, it's adouble. He's not going to pull that

(26:38):
out of there. Oh no,you can't pull it out. Oh,
you can't pull it out. No, ask him if you ever got a
court date? Please in the courts? Oh yes, he said that the
papers what he got when he cameback, There was a court paper.
I'm telling you, can he giveit a copy. We need to get
copies of this stuff. We needto get copies of this stuff. He

(27:06):
can't get in the part in histrader. It's all in there. Well
wait a minute. He said hesaw it when he got back, but
he said when he got back hewas locked out, So well no,
no, no, how did whendid he see his papers? I mean
when did when did he see thepapers when he got back home? So

(27:33):
when he got back home, Hughsaid he was locked out and couldn't get
in, And you said the paperswere inside? Where were the papers that
he saw when he got back Wherewere they all this? Do? Oh?
They were on the door, thedoor, And then how did they

(27:55):
get inside if he was locked out? And okay, when he was when
he went inside, he u thecops got there and they changed the locks.
Okay, so he temporarily he gotin and then when he was there

(28:18):
they must have called the cops exactly. Okay, So he left the papers
when they kicked him out. Well, and if the cops came and kicked
him out, I mean, thiswhole thing's done and over, guys,
everything he left everything, his medicine. His feet are so swollen right now,
everything? Okay, okay, holdon, this is wrong, man,

(28:45):
This is there's something wrong. Somethingdoesn't smell right. But Mark made
a phone call. There's a wayof home. Feeling. I have a
feeling he missed a coordinate. Hegot evicted, they had the sheriff,
everything was done. Then he showsback up he's not supposed to be there.
They call the cops, the copsget him out of there, and

(29:06):
it's done and over. I'm afraidthat's where we're at. But we'll find
out. I'm just making an assumption. Okay, Yeah, but Mark shouldn't
they have I don't know if hedidn't pay for ninety days. A lot
of stuff can happen in ninety days, tom, Okay. So the problem

(29:26):
is is that's his place, histitle. He has a clear title on
that. Yeah, and if he'slisten, I'm once again it's an assumption.
But if he showed up to court, he might have been able to
say, hey, I don't know. I just don't know right now,
but it doesn't look good, honestto god. He wants to go to
the court. He wants to goto the court. He wants to see

(29:48):
if he could talk to the judge. He wants to see if he could
do something to take care of this, because he never missed the payment.
And he's he's just like, waita minute, you mean you never missed.
I don't even know what to sayto that. I feel like the
biggest monkey wrench in my life wasjust thrown hold on a second, I
am looking at this mobile home parkthing, and they have a lot of

(30:11):
rice before they can move, AndI don't see anything here talking about a
lockout. I'm looking at it prohibitsa lot of these behaviors. Why do
you think the cops would show upand remove them? Then? That?
I don't understand that. I'm alook to see. I'm trying to read
this one. I'm gonna read itduring a break. It says, are

(30:32):
we got a break? By theway, all right, let's take this
break. We'll come right back.Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free,no obligation. In comparison, call Compass

(30:53):
Insurance paying too much your coverage atdozens of insurance companies find out now three
out three having seven to one help. You'll think you're his only customer when
you choose Frank durand the real estateMan dot com to list your home with
Remax Alliance three oh three nine twozero sixteen twenty two. You know anyway,

(31:15):
nothing like Major Mark Major to tryto get me going. And I'm
not going to do it, Doreen. I got to talk to you,
Duran. Hey, Mark, listento this. I looked at us.
This cannot be the Dorine I'm thinkingof. No, No, it's no
the Dorien you're thinking of. Mark. She just never mind. We'll get

(31:37):
into a different time anyway. Hector. I'm going to tell you something,
Doreen. Under the Mobile Home Act, let me just summarize it. It
may be terminated for a specific cause, which means failure to pay the park
with a ninety day notice, witha right to cure the non compliance with

(32:00):
in ninety days. A ten daynotice is required first, and then ninety
days, you know, the ninetyday notice, and then they can do
exactly what they did. Here's whatthey say. They can order a vacation

(32:22):
with to vacate within thirty days,and if they do not, they can
literally sell them. They can actuallylock it up and sell it. Do
you know that. I mean,that's amazing to me. They can do
it to cure it, you know. I'm going to tell you, however,

(32:43):
it says that they can they canpay it. They have it sounds
like this is a ninety days tocure. After the ninety days, I
don't know how long this whole damnthing was, but it seems to me
they have some kind of right.Okay, so Mark's gonna follow this up

(33:07):
with the owners. We'll see,Yeah, hopefully I hear back from him.
The other thing we could do,in fact, let's do this.
Get me his full birthdate, firstname, last name, and let me
see if there's an eviction on hisrecord. Okay it is Hector. No,
I don't want it now, yougive it to Kelly. All right,

(33:29):
Hold on, dear, hold onthree oh three, seven to one
three. Talk Dan, what's goingon with you? Dan? What's happening?
Dan? Yeah, I hate TomMark just a I'll give you just
a quick overview of what I'm dealingwith. So we live in central Denver.
We've lived in the house we're nowfor about almost twenty seven years.

(33:52):
So, you know, like inmost sections of Denver, there's a lot
of redevelopment. Yes, it happened, there was a new house being built
behind us, and you know,during the final stage of that, you
know, you know, I wasreally, I think i'll wrong a little
worried about if the contractor We're goingto try to at least even ask us
if they can cut back some ofour trees because they essentially well, they

(34:15):
may not need to ask you undercertain circumstances. Hold on, we'll come
right back to you, Dan.I'm Tom Martino. We also have at
Lasidas and public Advisors with us.Give us a call three oh three seven
to one three talk or three ohthree Martino. Go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

(34:35):
content. Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much yourcoverage 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
list your home with Remax Alliance.Three oh three nine two zero sixteen twenty

(34:59):
two. Y'all ripped up news needadvice so you don't have the You'll come
running just as fast as we can. Shooter's gonna help coming man. This

(35:20):
is the Troubleshooter Show. No TomMartino, Hi Tom Martino here, Welcome
to the show. Three oh threeseven one three talk seven one three eight
two five five. Welcome to theshow. We are here to help you.
If you want help with a problem, question and complaint. You have
a question, give us a callon the shower breach by eight eight eight

(35:42):
heating dot Com with a risk freeservice fee. If you want any one
item in your house for twenty eightbucks, they come to your house.
Now listen, that's you spend morethan on it when you take your friends
for coffee to Starbucks. Anyway,they come and service one item, including
if it's a water heater, they'lldo the flush and service and a toy
let they'll do that. But here'sthe deal. If you need anything more,

(36:04):
they simply credit you the twenty eightbucks eight eight eight heating dot Com.
Welcome to the show, folks.Let's go to the phones. Now,
here's the problem. Dan says,Okay, I've been in my house
twenty seven years. There's a lotof infill projects, new houses. There's
one being built behind me. Andthat's where we left off. And he
said something about cutting back his trees, and I said something like, well,

(36:30):
if trees overhang a property, theydon't need permission to cut them back.
They do however, have to takediligent care not to kill the tree.
Like they can't be reckless about it. So go ahead, what's going
on? It was Excel, soI don't think it would be someone else's
property. It was probably something youknow, where their telephone lines are,
did Excel do it? Or powerlines? They did? So they have

(36:54):
a tree contractor that they refer totheir vegetation management company, right right,
And so you know they came outon a Friday and knocked at the door
and said, hey, look,we've got to remove something. You've got
some branches and we and by theway, we're also going to put a
high voltage on the top of thepoles, so we've got to cut back
your trees. Sure, right,let's go back and see. By the

(37:16):
way, that's an ease, right, Okay, No, I understand,
I understand. The utility is meantthat by the time I got to the
backyard, that three workers jumped theback fence, hit the trees and start
cutting everything from the ground up fortyfeet so and this is back to the
trunk, right. These weren't safetycuts. These were like, okay,

(37:37):
Dan, it depends, Dan,It totally depends really where they cut.
They're allowed to cut anything on theireasement anything but so understood. I get
that, But if it's on there, if if let's just say you had
a big tree on your yard,a big, giant tree, a beautiful

(38:00):
tree, and then that tree hungover the easement, they can cut it
back. They can't go into youryard and take the tree trunk and trim
it down to the tree trunk inyour yard. Where was the trunk that
they cut back to the trunk.It's a very simple, uh situation.

(38:20):
Was it on their easement or inyour yard? It's in the yard,
but well then it's not in theyard. The yard is not the easement.
The eastman is the easement. Theyard is the yard. The eastman
I know what you're thinking, theeastman goes across your yard. You're absolutely
right, But technically it's not youryard. It's your yard to use.
But it's their easemen to do whateverthey want with. I mean, as

(38:44):
far as the state of does rightwithin the definition of the utility isn't though
it's you know, it's for theutility companies to take care of the make
sure everyone have service, that makesure everything's safe. Right. No,
that's absolutely that. Yeah, that'sabsolutely true. That's right. So what
did they do that was unsafe?They've had everything in between that round the
secondary lines and everything. They sogive anything with the kid. They said,

(39:08):
Dan, you and I may notlike what they do. I'm going
to say it again. If it'stheir easement up to the sky, they
can do it. They are allowedto do it. So many times we
get used to seeing things on aneasement that we start thinking, you know,
well that's going to be left alone, or they have an obligation to

(39:30):
work around it. They do not, do you know there have been some
people who've had fence lines, beautifulprivacy fence put in and they can come
and knock that fence down. Yeahno, And it's I know that there's
a lot of great you know suckby the way, I don't like saying

(39:50):
that. I think it sucks,you know, because we sometimes these easements
have been left alone for years andyears and years. Then all of a
sudden there's a couple of new projectand boom, you know, you you
lose that you use, you losethat status quo, and you're thinking,
what the hell they didn't have todo that, And you're right, probably
they probably didn't have to technically comeback as far as they did. But

(40:16):
these companies, they don't give adamn. They just want to get the
job done. Great, No,I hear you, and I you know,
you know one of the things I'mconcerned about though, And I've got
actually I've got to run because there'sanother arborist showed up earlier. Yeah,
yeah, I had planned air latertoday, but I had This is second
arborist I've had to take a lookat what they did. I'll just say

(40:37):
the first one from part of thelarge tree companies in Denver that he had
never seen this excessive amount of cuttingright by itself ever, I mean ever,
And yeah, it goes across fivesixty year old blue spruces that are
probably pushing sixty seventy feet tall.Do you think do you think you kill

(40:58):
them? They're they're risks, Imean, and dying and you know,
decay, disease. So give usproperty value and you know the tree's rush.
They need a lot more now.But Dan, just so, I
just don't want you wasting a lotof time and energy because truly you're barking
up the wrong tree, as theysay. And I don't know pun intended,

(41:19):
but you're not gonna If they areon the easement, they're fair game.
Yeah, we'd like to believe that. Trying to get them to just
be good people or good stewards ofour environment. Well, and they could
have probably done They could have probablytaken a lot more time and care,
and maybe in cases like this,they should say to the homeowner, listen,

(41:40):
do you want to hire someone toget this done? And maybe then
your person would have taken way moretime and energy. But I'm telling you,
if your arborus says to you,Dan, these trees are probably gonna
die. And you're thinking, well, I'm going to make a stink about
this. Good, you can makea stink, but it's an easement and
it's not yours. Yeah. No, that is a tough thing, especially

(42:04):
even now the phone. Right,So it's the last twenty seven years.
I get it. I wanted youto VND because I know a lot of
people feel the same way. Butliterally, nothing nothing, it can be
done about it. And I meanI mean they can't unless they did something
outside the easement. Uh, they'reallowed to cut it. But here's the
problem with Tom, honestly, isif the contractor puts this in motion to

(42:27):
get more light in their yard.That's the misuse of the easement, right,
and the whole purpose of it.It's not still a private party can
benefit from you having, you know, leveraging that you know, utility company
to cut in someone else's property sothey can sell their multimillion dollar house.
And that kind has nothing to do. But I'm dealing with the homeowner.
The homeowner didn't ask them to dothat. The builder didn't ask them to

(42:50):
do that. They didn't they thecontractor put in service request. That's right,
It wasn't. So it's saying that'syeah, what I'm getting at it
is crazy. It's not the guywanting to sell his multimillion dollar house,
and and well he should want tosell it. But that's not why that
was cut back. It was cutback because here's why it was cut back,
plain and simple. The utility companywants a clear easeman. They hire

(43:15):
a company to clear the easement.The company can do it in one of
two ways. They can cut backjust enough to keep it clear, or
they can say the hell with this, where you know, they got a
bunch of bozos working for him.They just want to get in and out
of there. That's what happened.Three all three seven one three talks seven
one three eight two five five.We got more coming right up on the

(43:35):
Troubleshooter Show. I want to tellyou one Clear Choice Garage Doors, the
Garage Door Choice twenty four to sevenservice. They are wonderful people. It
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(43:57):
thing they do is on there,the doors and the openers. One clear
Choice Doors dot com. Go witha sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay acent until you're content. Time for an
insurance checkup, free, no obligationcomparison call Compass Insurance paying too much your

(44:22):
coverage at dozens of insurance companies findout now three all three seven to seven
one help. You'll think you're hisonly customer when you choose Frank durand Thereal
estate Man dot com to list yourhome with Remax Alliance three all three nine
two zero sixteen twenty two. HiTom Martino, you're troubleshooter three oh three

(44:45):
seven one three talk three oh threeseven one three eight two five five Greg,
what's going on with your Kia Soul? What's going on? Did you
lose your soul? Sir? What'shappening? Yeah? I had a two
thousand I have I had a twentyfifteen Kia Soul, and on March twenty

(45:07):
fourth of this year, I'm sorry, March fourteenth of this year, twenty
twenty fourth, I took it toGrand Kia up in Portant and it wasn't
running. It was it wouldn't gofifty miles an hour on over fifty miles
an hour in the highway, andit was acting like it was a catalytic
converter, and what what is thewhat is the dealer? You took it

(45:28):
to Grand Kia, Okay, yeah, yeah, And so I took it
up there and I said, Italked to a service guy up there,
a service manager, and I said, well, I'm pretty sure it's a
catalytic converter. He goes, okay, well we'll check it out. So
he checked it out and they calledyou later in the day and he says,
well, we see it's your plone fuel O ejector needs to be

(45:52):
changed, and then the other onesneeds to be repaired. Three needs to
be repaired. And so I hadthem do it. And so after I
picked up the car that day.Same day, I picked it up and
I started driving. It just wasn'trunning right. And me having a job,
I was trying to rent a carand trying to get back and forth

(46:13):
to work and everything. So Ilet it go for about almost two weeks,
and they're still kept betting worse andworse and worse. I took it
back to Grand Kia two weeks later, and I said, this thing's not
running right. He goes, well, I said, my engine light came
back on for one thing. Hegoes, well, let me go out
and check. The service manager wentout and checked it and put a did

(46:37):
a code read on it. Comeback. He said, oh, you
need a new gas cap. Igo, oh, really, a new
gas cap is going to help mycar run better. He goes, yeah,
that's all you need is sucking inoxygen. Oh okay, put a
new gas cap on. Go twomiles, still doing the same thing.
Brought it back. I said,I need somebody to drive my car now.

(46:57):
The service manager got in there,drove it, came back said,
yeah, it's your catalytic converter.Yeah, no kidding. So anyway,
here's my dilemma is I went upthere two days ago, talked to the
service manager and what do you wantfrom them? What do you want?
I want? I want them tocover this seventeen hundred dollars part of that
seventeen hundred dollars I had to spendbecause it was originally the catalytic converter causing

(47:22):
the problems. Now if that's true, If that's true, how many miles
on this car one hundred and fortytwo thousand, Well, then then you're
going to have a problem because itcould also be both. It could have
been both. Now we're never goingto know this, But here's what I
would do if I were them.I mean, it would take an opinion.
I had a second opinion. What'sthat for the catalytic convert I had

(47:43):
a second opinion for the catalytic converter. But you let them do the injectship.
You let them do the injectors.Yeah, because according to them,
that was the only thing wrong.I no, I get you, I
Greg, I understand exactly what you'resaying. What I am saying, is
it is pot possible that those injectorsreally needed work done. It's possible at

(48:04):
one hundred and forty thousand miles,and it also needed cat work. What
I'm saying is it may not bea complete cheat. Now you said it
needed a cat and you had asecond opinion. Well, if that was
the case, what did you letthem do it? If you had two
opinions, two opinions said it neededa cat and one opinion saying you needed

(48:28):
injector work, why did you gowith the one opinion and not the two
Because it was going to be overfour thousand dollars for a catalyty converter car.
Okay, okay, so you choseto take a gamble on the lower
cost work on the hopes it wouldtake care of it. I but but
how is that? Listen, I'mnot sticking up for grand But how is

(48:50):
that their problem? If they triedto fix it, they get you got
what you paid for and it wasn'tthe cheaper solution. And how do we
go back in time and prove atone hundred and forty thousand miles that you
did not need the injectors? Now, a good compromise would be if they

(49:10):
would give you that job at cost? Did you ask him about that?
So you just say, listen,can you just what's that I did not
ask them about? Did you askthem for anything on it? Did you
say anything? Did you? Isaid yes, I wanted to. I
want I want seventeen hundred dollars back. But you're not going to get it.
You're just not going to get it. Well, okay, don't you

(49:30):
do a test drive after? Don'tyou do a test drive after you fix
a car? I think it wouldbe good for small claims court. Let
a judge decide that would be agood one too. Listen, Greg,
I'm not entirely Greg, I'm I'mnot entirely disagreeing with you. What I'm
saying is because of the mileage,it's going to be difficult if they say,

(49:52):
oh, no, you know,our diagnostics showed he needed injector work.
I can't believe you think these guysdid this guy. I didn't say
they did him, right, Ididn't know. I said, I don't
know, and neither does he.It's very possible the injectors needed work at
that mileage. But he also madea choice knowing that new people told him

(50:16):
he needed a cat, he madehis choice. I think we should ask,
and I'm being serious. We askedKevin Caukin. I wonder if bad
fuel injectors can cause a cat togo out, and I think I'm correct
on that. Well, let's findout. That's a good idea. That's
for a month. I drove thebad cat for a month. The mileage

(50:37):
on the car is the same forin and out. They didn't even do
a test drive. Well, butthat's although they should. They probably started
it up that you don't really haveto do a test drive. To be
honest with you, Greg, theyvery seldom do test drives. They really
do. The only time they do, they don't do it for liability reasons
and they don't have time test drivesthey don't do. They usually put it

(51:00):
on a scope where they started upto make sure it's running right. The
time they would do a test driveis it they had a ball joint problem
or a problem where they want tomake sure the ride is feeling good that
you can't tell from running it.But hold on a second, Greg,
I think Mark had a good idea, and I think any driveability issue,
most good shops are going to doa test drive afterwards. Okay, So

(51:21):
what I'd like to do is getKevin calkin on to give an opinion on
a couple things. I have acouple questions for Kevin. For example,
is it possible the bad injectors causedthe cat to go out? Is it
possible that you could have had bothor is it unlikely? And what would
cause the cat to go out ifthe injectors were perfect? I don't know.

(51:42):
I mean, these are questions.I just want to ask for peace
of mind. Three three seven toone three talk? Do we have them
on already? Kachina? Do wehave them? Yes? We do,
Yes we do, Kevin call canshare it an auto tech. We have
a real simple question. Is itpossible? I just want to know.
I'm not leading or baiting. I'mnot going to tell you the whole problem,
but is it possible? First ofall, for injectors to need work?

(52:06):
Is it possible at one hundred andforty thousand miles on a on a
grand excuse me, on a ona twenty fifteen Kia. Not likely,
but possible. Okay, so that'sgood. It's not likely, meaning those
injectors should last well past one hundredand forty thousand miles. Yeah, the
fuel qualities and everything today, theinjectors rarely fail. Okay, okay,

(52:30):
good. If they did fail,can they make a cat go bad if
they're overfeeling. Absolutely, if youhave a chap engine like flashing while you're
driving and you can see. Butif he didn't, he didn't have a
check engine, Like did you havea check engine like Greg? I did
not when the car started acting upwith the Cat, I did not get

(52:50):
a check engine. Well, yousay, with the cat without prejudicing,
Kevin, what were your symptoms?I couldn't get over. The car wouldn't
shift until I went into the manualshift, and then with high RPMs and
trying to get it to shift intothe next gear was impossible. Kevin,
Would that tell you the cat wasgoing bad? Because this is the thing
Greg immediately thought was plugged. That'ssaying it seems more like a cat than

(53:15):
injectors. Yes, okay, soKevin, Greg, Greg is scoring one
thousand so far. So no,no, no, no. The only
we're only part I'll disagree is ifthose injectors were overfueling, they could have
took the cat out. Yeah,but you okay, I've been driving it
that way for a month before Itook it. But he said Kevin said,

(53:36):
there would have been a check enginelight if they were overfueling. Oh
yeah, there was. And Gregsaid there was no check engine light.
So what we're to assume from whatwe're hearing, it's very likely the cat
was going out. Now, isone hundred and forty thousand miles likely a
cat could go out? It's conditions, if it's burning a little bit of

(53:57):
oil or anything like that. Yeah, let me ask you this, Is
it more likely at one hundred andforty thousand miles? Is it more likely
to be a bad injector or two, or is it more likely to be
a cat's that's a tough one.That's a coin toss. Yeah, But
here's what we're trying to figure out. Kevin, let me let me just
tell you what we're trying to figureout. He took his car in with

(54:19):
driveability issues, could not go overforty, was losing power. They said,
you need work on your injectors.They did work on his injectors for
seventeen hundred dollars. Then the carslowly got worse and then they said you
need a cat. Greg said,I told you I needed a cat from
the beginning, So what would yousay about that? I think he's great,

(54:44):
Okay, so maybe small claims court, Greg would be the way to
go to tell these guys, Look, you may have worked on my injectors,
but I probably didn't need it.What I'd like to know is this,
Greg, why didn't you go rightback when you notice no difference after
doing the injectors? It's because oftrying to get back and forth to work

(55:07):
and trying to figure out a rentalcar and things like that. Wait,
must have been better. You didget over forty though you said when you
brought it in you couldn't go overit started out. It started out good
for about two or three days.But I know I would just want so
let me ask you, Kevin,why would a bad cat when he took
it into the shop, Why woulda bad cat work for two or three
days after they did the injectors.That's kind of hard to explain. Yeah,

(55:30):
that I couldn't explain. And thenhe said there was no check engine.
Like, guys, if that thingwas running so bad, why wouldn't
have a check engine? Like?Come on, if that cat was so
clogged, there would have been checkengine lights for misfires, driveability, cat
all kinds of things. That's confutingwith none. You see, Greg,
here's the problem going back in timewith a car and Kevin. Am I

(55:54):
right or wrong? This is whatI'm thinking. If they if he takes
them the small Claims court, can'tthey say something like this, Look,
it could have been injectors, Itcould have been the cat. We took
the less expensive option, and youagreed with it because and he even admitted
that to us that he didn't wantto do the cat if he didn't have

(56:14):
to, so he did the injectors. Then it turned out to be the
cat. Can't they make the argumentthat one hundred and forty thousand miles he
could have needed both, yes ornone? I mean, I mean the
one and the one caused the other. Yes see, Greg, I just
think it's not as clear cut asyou think. He went in and said
I want my entire seventeen hundred dollarsback for the injector work, and I

(56:38):
think it's unreasonable. I just Igo back to my original And now I'm
not saying they were right, bythe way, but I don't think you
can get your entire seventeen hundred back. What I would do is ask them
if they could at least give itto you at cost, that would be
great. I'm not you know,I started seventeen hundred, but if I

(56:59):
should get half of that even orwell, ask them. I don't know,
Mark, I don't know, Kevin, what do you think the markup
is on that? If they work? They had to replace one injector and
work on the how many injectors onthat vehicle? Okay, so it's just
a four cylinder right right, Soit's seventeen hundred to replace one and work

(57:20):
on the other three? Is thatexpensive? No, there's really no work
to be done to let me replacethem? Or I mean, did they
replace all four? No, theyreplaced one and repaired. I have the
actual invoice in front of me.They replaced four and they and put a
jector, O rings, hit awasher, injector bracket, and am injector.

(57:42):
So is that that seems like alot of money for four seventeen hundred?
It does? That seems little state? You know what, Greg,
Maybe you were entirely screwed here,But man, I'm going to tell you
call them right now and just askthem for an adjustment. Tell them you
talk to another mechanic. Yeah,I did to him. You know he's
supposed to call me back at teno'clock yesterday. I'll have an answer for
you at ten o'clock yesterday. Well, if you don't get a call today,

(58:06):
call us back. But call themback and say, look, I'm
looking for an adjustment on the injectorwork because it was questionable. Maybe let's
have a deputy reach out now.It might be a good time because they
haven't called him back yet. Okay, let's give it to deputy. Let's
see we gave Chopper that other one. Let's give this a how's that?
Yeah, let's do that. Threeo three seven one three talk seven to

(58:29):
one, three eights kick an ass? Yeah, got more right after this,
go with a sure thing Denver's Bestroofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, callCompass Insurance paying too much your coverage

(58:52):
at dozens of insurance companies. Findout now three oh three, seven to
seven to one. Help. You'llthink you're his only customer when you choose
Frank durand the real estate man dotCom to list your home with Remax Alliance.
Three oh three nine two zero sixteentwenty two. Okay, I'm Tom
Martine. Welcome to the show.Three oh three seven one three talk seven

(59:12):
one three two five five Doreen Mark. Did you do a check on this
guy to find out why? Yeah? Unfortunately I forgot about something. We
did do a background check. Imean, he's I think he had a
traffic violation or whatever. But theproblem is I forgot. Colorado changed it
to where evictions either in process,well in process are one hundred percent hidden,

(59:32):
and then outside of that most ofthem are hidden. So, in
other words, background checks don't showevictions anymore in Colorado. And guess what
else is changing what They will nolonger show medical bill delinquencies on credit reports.
Uh yeah, yep, yep,that's true. That one I kind

(59:57):
of agree with a little more thana yeah. The other one, they're
just going to chase every landlord outof this state. I mean, they're
already doing a damn good job ofit. So and what's that going to
do? That's going to make housingmore expensive, which is exactly what they're
trying not to do. It's justremarkable how stupid the people running Colorado are
honest to god. But no moremedical bills on credit reports. And you

(01:00:23):
know, I'm not so sure Igot a problem with that one though,
because I don't have a problem becauseyou know, people don't have a choice
with that. If they're like screwingaround with their credit cards and other stuff,
that might be a worth a dingon your credit. But my god,
if you had to go in fromneeded surgery or something and didn't have

(01:00:44):
the money, that doesn't necessarily meanyou're a deadbeat. I almost look at
it a little different same thing aswhat you said. But if you go
into you know, XYZ hospital toget a colonoscopy and you have insurance,
it's not going to cost you muchat all. In fact, generally it
won't cost you anything. It's partof your coverage. But if you don't

(01:01:06):
have insurance and go in, insteadof charging the insurance company five hundred or
fifteen hundred bucks for the procedure,they come after you for twenty grand.
I mean, they deserve to getstuck occasionally. Now, you're right,
because many times when they do goafter collections, they're not And first of
all, What do you think aboutthat? What do you think about having

(01:01:27):
tiered pricing? Like you charge aninsurance company for an MRI six or seven
hundred, and you charge a consumernineteen hundred. I mean, I think
it's absurd. Imagine if you walkedinto a restaurant. You go into Sizzler
in your steak is ten bucks.I go in and it's fifteen because you're
driving a different vehicle. I mean, there's no sense to it. The

(01:01:49):
reasoning behind it was that insurance companieswill generate a lot of business, therefore
they get a discount, whereas peoplewalking in off the street don't deserve.
And I think that whole system isjust wrong when it comes to healthcare.
I don't want to get into itright now, but I could make an
argument why health insurance and insurance ingeneral, just insurance should not be a

(01:02:15):
for profit business. There's a reasonfor it. And don't think I'm a
communist, I'm not. There's avery specific reason. It actually cuts down
on free enterprise, does not encourageit because because they are not the insurance
companies are not providers. The providersare the doctors and the nurses and the

(01:02:37):
clinics or in car insurance or inany kind of insurance, the providers are
the people doing the work, andthen the consumers are the ones paying for
it. But the insurance companies areinserted in the middle. And when you
have a profit motive in the middle, no matter what, it either takes

(01:03:01):
away from the supplier or it takesaway from the consumer. There's no mathematically
Kaiser besides the Kaiser way. Youknow, we've had this conversation a lot,
and I agree with you in theory, But who would be there has
to be that middleman. There stillhas to be an insurance So yes,
how would that work? There?There is a middle man with Kaiser there.

(01:03:24):
What I mean by that is thisis that what happened with insurance is
they stepped in and did something calledmanaged care. Let's let's take the coding
off of managed care. Okay.Now we can make the argument that some
doctors had to be managed because theytook advantage of insurance, but that's in
every industry. Let's talk about thereal reason there is managed care. What

(01:03:45):
they really mean is managed claims.It's just a fancy word for reducing the
amount of the claims. That's whatthey mean by managed care. Now to
some extent, do I think thatneeds to be done. Sure, sure,
maybe it does. But it shouldbe done by supplier and consumer.

(01:04:09):
That's what free enterprise does. Itshouldn't be done by an insurance company that
wants to want They're not doing itto reduce cost. They're not even doing
it to increase profit of the supplier. See. I have no problem with
supply and demand and products and consumersetting prices through free enterprise. But here

(01:04:31):
there is a third party and they'rein the middle. So for them to
set prices either takes away from oneor the other or both, and most
of the time it's both, andso they set the prices. There's nothing
wrong with having insurance if it's nonprofit, because then there is no motive to

(01:04:53):
cut back on care. The wayyou would choose between a kaiser which is
nonprofit, and let's say another newcompany that comes up that's nonprofit, is
who has the best longevity rates,lowest fatality rates, the best health rates,
Who is keeping people healthier? It'snot who will pay me more of

(01:05:13):
a dividend on my stock in aninsurance company. It's just counterintuitive, in
my opinion, it's absolutely counterintuitive.It really is not free enterprise, and
it's just the opposite. It actuallycontrols the costs and controls the purchase and
why so they can make more profit. And that's the only thing there is

(01:05:36):
is profit. So insurance companies aremarketing profit. They're not marketing healthcare.
They're not marketing anything but profit.They are inserted in the middle. I
think there is a need for insurance, but of all industries in the entire
world, it's one that I donot believe should be profit centric. Saying

(01:06:00):
the people who run it shouldn't bepaid. Well, I'm not saying agents
shouldn't be paid. Well, everyoneshould be paid, every single person.
But there's no reason to have stockholdersor the president of some giant insurance company
making money off of someone else's problem. And what's what's your thoughts on a
hospital, Well, hospitals are greatbecause group doctors. No, I'm marking

(01:06:27):
for profit mark nothing's wrong with thatbecause you have a supplier and you have
a consumer. So if consumers picka doctor and they don't like the prices,
they can pick another doctor or anotherhospital, and hospitals would compete and
doctors would compete. Well, nowwhat, it's not that simple. Because

(01:06:48):
most hospitals are making their money offof accidents. And it's not like you're
going to go Mark, but Icame out of a car wreck this one.
All I'm saying is the comparisons I'mmade making are between consumers and suppliers.
What I'm not insurance companies are insertedin the middle. There is nothing

(01:07:10):
wrong with profit from anyone, Butwhy have a third person making a profit
at the expense of the supplier andthe consumer? That is what not makes
sense. And they're offering nothing zero, They're offering nothing. How about home
insurance? Isn't it the same way, then? I think it's exactly I
said. The one industry in theworld that I believe should be nonprofit And

(01:07:33):
I don't mean people don't make money, I just mean should be nonprofit.
Are companies that attempt to insert themselvesand make money off the misery of others
by reducing what they get. It'snever by increasing what they get. It's
always by reducing and reducing hurts boththe supplier and the consumer. Go with

(01:07:58):
a sure thing best roofer excel roofingdot com. You don't pay a cent
until you're content. Time for aninsurance checkup free no obligation. In comparison,
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his only customer when you choose Frankdurand the real estate man dot com to

(01:08:23):
list your home with Remax Alliance threeall three nine two zero sixteen twenty two.
I'm Tom Martine. Let's talk toEric Reinermer Atlas CPAs and Financial Advisors
and so Eric on the on thetax thing. Okay, I just want
to ask this. This is nota text. I have some text questions,

(01:08:44):
but we may now have time forthose. Right now, what is
the number one mistake people are makingon taxes? I think? I know
they don't make their their quarterlease right, they don't make their estimated payments.
Is that one of the most commonones, you think? Or what?
Yeah, they just get later spacedout and get a letter and realize they're
in a jam. So if youdon't make quarterly estimates and you're self employed,

(01:09:06):
you're gonna end up most of thetime with a penalty. Is that
right? Correct? So the estimates? People misunderstand this if you pay too
much, you'll get it back,right. It's not like you're paying it
and kissing your money goodbye. Yeah. Usually it's just having the discipline to
get it paid in quarterly to avoidgetting dinged with penalties and interest, and

(01:09:28):
they're based on the prior year generally. Yeah, you can do the safe
harbor thing with which avoids penalties.Right. It avoids penalties if your income
is going up and you pay inwhat's o the year before. That's how
there is a rub. There isa rub to it, Tom, what
is it? Well? The rubis sometimes that penalty is so small compared
to what that money could have madeyou. Let's talk about that coming up

(01:09:51):
that we don't have time right now, but let's bring that up. I'm
Tom Martinez. Three O three sevenone three eight two five five. Go
with a sure thing Denver's Best rooferExcel Roofing dot com. You don't pay
a cent until you're content. Leavetime for an insurance check up free,

(01:10:16):
no obligation. In comparison, callCompass Insurance. Pay too much your coverage
at dozens of insurance companies find outnow three oh three seven seven to one
help You'll think you're his only customer. When you choose Frank durand the real
estate man dot com to list yourhome with Remax Alliance three oh three nine
two zero sixteen twenty two rip youneed so you don't have run anxious.

(01:10:48):
As fast as we can, Shooter'sgonna help. Come man, This is
the Troubleshooter Show. No Tell Martinez, Hi, Tom Martino here, Welcome
to the show. Three h threeseven one three talk three h three seven
one three eight two five five.We're here with Eric Reinemer from at the

(01:11:12):
CPAs and Advisors. They do allof my work and love having them on
the show as well. And thenalso we were talking before the break on
with drawn on paying quarterly. Nowwe're these are mainly for people who are
self employed, or you might havea business on the side along with your
employment. But these are for situationswhether you have W two or not,

(01:11:32):
where you're not having enough withdrawn.Now, if you're a W two employee
and have work on the side,you can even be hit with penalties right
for not paying the proper tax?Is that right? Eric? Everyone has
to pay into the government a certainamount or you're penalized, Is that right?
That's right? You can't put theMC closer. But you can't simply

(01:11:55):
you can't simply decide to pay itbefore April fifteenth. It's all about what
did you owe over the year anddid you pay it in timely? Right
now, let's say you have aW two job, either self employed and
you pay yourself W two or withsomeone else W two that has nothing to
do. I mean many times thatcould be all the taxual. Oh but

(01:12:17):
if you have other income, youhave to be absolutely sure, especially people
with sub subs corporations or sole proprietorships, they have to make sure that they
pay in an estimated amount or bepenalized. And Mark brought up something.
Any Oh wait, hold on though, Eric, just from what he just
said on a W two employee,how about if the W two employee tells

(01:12:42):
his employer, I've got twenty kidsor twenty exemptions and they barely withhold anything.
But then at the end of theyear, of course he makes whatever
they say one hundred thousand, dothey get penalized as well? They will
totally get penalized. If you messup and don't have enough withheld, then
you're screwed. You're gonna be underit. And it doesn't matter if you're
a sole proprietor or W two oranybody, is my point. No,

(01:13:05):
that's that's a good point. Sono matter what, if you don't pay
in at least how much one hundredpercent of the previous year. Yeah,
well it's actually it's one hundred let'sjust say one hundred percent in general.
But there's another group that's getting introuble is people that have investments or even
gets Social Security and don't have itwithheld. They can end up getting whacked

(01:13:29):
at the end of the year.Even retired people with a bunch of investments.
Those have to be paid in overthe year too. Now, how
about Eric, and I know theanswer to this, but explain this to
people. How about like, ifyou work all year, but let's say
third quarter is where you make allyour money. I don't care if it's
a retail store or someone that onlyworks in the third quarter. Let's say

(01:13:50):
you, once again, you makeone hundred thousand in a year, but
ninety of it was made in thefourth quarter. You can actually go to
your accountant and they can file thecorrect paperwork to where you won't have to
pay the quarterly for that until itactually happens instead of being spread out throughout
the year. Right, that's right. There's an extra form you could fill

(01:14:10):
out the state when you earn themoney over the year enough if it's worth
it to do that to not getpenalized. Yeah, and for let's say,
let's say places that do a bigChristmas business, you know, I
mean that would be only in thefourth quarter. So your only fine,
here's your penalty. Your penalty isbased on when the tax would have been

(01:14:31):
owed and for how long it wasn'tpaid from when it was earned, right
right from when Eric brought something up. Crazy because back in the day,
I remember I didn't make quarterlies,like in twenty sixteen or seventeen. I
just totally forgot. I mean Ijust didn't make them. So I go
to pay my tax bill and Ihad to pay the interest in stuff,

(01:14:55):
and it was so small. Iwas like, why would I ever pay
quarterly because I could have if Idid pay quarterlies, I could have simply
invested that money and made more thanwhat the penalty was. But then Eric
explained, why now is different highinterest rates that that the fes you're charging.
Yep, yep. Back then,tom two percent two percent. So

(01:15:18):
you figure once again, I'll useone hundred thousand. You only have to
pay two thousand dollars and you getto keep the one hundred thousand for the
year in a quarter, and youcould easily make two thousand bucks off one
hundred thousand. But now now you'retalking big dollars because you're seven eight nine
percent, And that's all right right, because it's based on the federal rates.

(01:15:43):
So the whole idea is to payquarterly. I mean that would be
the safe haven as they call it, meaning you don't pay penalty, but
you still pay interest or not.Do you pay interest? Sure, you
pay interest. So if you don'tmake your if you paid in one hundred
percent of the previous year, doyou still pay interest if you owe more,

(01:16:04):
it depends on if you paid itin evenly over the year or not.
You can't just pay it all onJanuary fifteenth. You have to be
paid in evenly over Let's say youmake quarterly payments, quarterly payments one hundred
percent of the previous year, andyou did it quarterly, you won't be

(01:16:25):
penalized, but if you end upowing more than the previous year, you
will pay interest on that more.No, if you're in the Saint Harbor
and you've paid in one hundred percent, then you could come to April and
oh a million bucks and there isno there is no interest because oh that's
holy, because the government knows you'llnever know by January fifteenth what your taxes

(01:16:45):
are. So if you've paid inone hundred and ten percent, if you're
a high earner, and then oha million bucks on April fifteenth, there's
no penalty, all right? Shouldit be then? Okay? Is it
one hundred and ten or is itone hundred? If your income is over
two hundred thousand dollars? I thinkit is that is one hundred and ten
percent, So it's better to besafe. Okay. If you have risey

(01:17:05):
income, paying ten percent on topof what you owed last year, that's
the safest safe harbor. All right. Now, let's go to Reggie,
who has a question. Reggie,what's happening? Hi? Tom, Hi,
Reggie, what's going on? I? Yeah, I have a relative

(01:17:26):
who recently passed in test eight.I'm and what kind of relative is it?
Is it? A close relative?Yeah? Brother? Okay, his
brother? Okay, go ahead,your brother, and yeah, and so
I'm in the process. We wentto our a lease, are in the
probate process, and I have yetto be named as the personal representative.

(01:17:48):
Well, how many siblings are They'reall together with me, so it's just
you and him, and your parentsaren't alive. That's threat. Does he
have a wife or kids? No? Did he ever have a wife or
kids? Yeah, his wife passedsome years ago. And what about any

(01:18:09):
biological children? None? Oh,so then you are next in line.
It sounds like, yeah, yeah, I just haven't gotten the I guess
the papers, but no one namesyou. You name yourself. What do
you mean, who are you waitingto name you? Well, apparently I

(01:18:30):
need papers from the court saying okay, Reggie can get his bank account,
saying no, that's not true atall, Reggie, Reggie, that's not
true at all. Nothing is goingto happen automatically. Nothing, well,
not that I was partamatically, butI've gone I'm in the probate process.
I just think, oh, well, you didn't tell me that part.
You said, here's what you do. First of all, you have a

(01:18:54):
death certificate, right correct? Howmuch does your brother have in his entire
estate, let's say, pretty closeto three quarters of a meal. Okay,
then you go beyond the small affidavit. What you need to do is
file probate. Did you open probate? Yes? Did you do it longer

(01:19:18):
with an attorney? An attorney andyour attorneys should tell you this should only
take a few months. I mean, so when was it opened? So
last about three weeks ago? Okay, well, my god, this is

(01:19:39):
going to be about two or threemonths. Okay. But my question is
this. His house is in ahot part of Denver, and so I've
been contacted by i'll call them developertypes where they say, you know,
we'll offer you this, we'll cleanthe house out, missions, pay whatever.

(01:20:01):
Uh. And so my question is, be beware of that man.
Just but hold on, Reggie wasaware, Reggie? What was your question?
So? Should I get a realestate agent or go with the guys
who are all? Right? Holdon? No? Will you never just
go with people who call you andoffer you stuff? But Reggie, hold
on a second. You don't havethe power to do anything, right now.

(01:20:24):
You understand that, right? Iunderstand that? Yeah? Okay,
So here's what you do. Ifyou have a home. You call Frank
durand the real estate man for anhonest to God evaluation with no obligation whatsoever.
Okay, and you say, Frank, I need to know what this
is worth, either as a salefor the lot, for the redevelopment value,

(01:20:47):
whatever, what is it worth,and then let him give you an
honest to God opinion. He won'tcharge you a dime. Then then if
somebody wants to buy it, it'sall about the money. But then I
would have at least an attorney likeBradley O'Brien at O'Brien Legal Services. I
would have Brad at least look overthe paperwork to make sure that it's legal

(01:21:11):
and you're not being screwed. Anddon't ever I'm going to tell you this
right now, a blanket statement,don't ever finance it. Ever you have,
I would say, you real,Frank list it man, I'd call
it Frank Duran and just have himdeal with whoever. It doesn't matter if
they're investment guys or the neighbors orwho's true himself true, then he can
handle it all. But what Imeant, Mark was not that you don't

(01:21:34):
do that, but first get anevaluation so you at least know the ballpark
you're talking about hey, Reggie.And also here's another thing. Okay,
not to screw Frank out of anything, he's a great guy. But if
Frank does an evaluation to say,you know what, Reggie, this is
worth a million dollars and these guysare offering you a million, then Frank

(01:21:56):
can help you with the transaction brokerthing, or you can go to the
attorney. There's no reason to paya full commission on that if you're going
to get what it's worth the onlytime, you know, I mean,
he's just common sense. Now,what I'd like to know is what part
of town? I'm just curious BonnieBray. Wow, that is a hot

(01:22:19):
part of town. So wow,what part? What part? You don't
have to give me this street?What part? Oh? Near Mississippi and
University? Okay, less so thanif it was nearer to the Ellipses Park.
But it's still a good area,really good area. That's almost like

(01:22:41):
between wash Park and Bonnie Bray.Right, that's that's a good area.
You don't want to be too close. You don't want to be too close
to University. And what size house? All around one thousand and twelve on
a square feet So they want toknock it down. They want to screen
it bild a three stories and makeit beautiful, but that it's still worth

(01:23:02):
a fortune. Man, Yep,yep, okay, So Reggie, start
with Frank. You won't go wrong, I'm telling you, and then find
out find out what it's worth.But watch out for these infillers because what
they want to do is steal itfrom you. Okay, that's what they
want to do. I mean theywant to make as much money as possible.

(01:23:26):
What were you? Let me letme ask you. Did they offer
you anything so far? Have yougotten any offers or did they give you
a hint? Give me a hint? Five sixty five was the top so
far? Five sixty five. Ithink, yeah, it could be not
much more. But okay, that'snot bad. That's not terrible because we're

(01:23:46):
talking about a lot really, butit might be worth it a little more.
It really depends on right where itis. But I don't want to
know that on the air. Sothank you FRANKL for calling. Frank Duran
will know everything. Frank durand thereal estate man dot com three oh three
nine two zero sixteen twenty two.Thank you. Okay, we got more
coming up on the troubleshooter show gowith a sure thing Denver's best roofer Excel

(01:24:15):
Roofing dot com. You don't paya cent until you're content. Time for
an insurance check up free, noobligation. In comparison, call Compass Insurance
paying too much your coverage at dozensof insurance companies find out now three oh
three seven seven to one help.You'll think you're his only customer when you
choose Frank durand the real estate Mandot com to list your home with Remax

(01:24:38):
Alliance three oh three nine two zerosixteen twenty two. Hi Tom Martino,
you're a troubleshooter. Three oh threeseven one three talks seven one three two
five five. Deputy Bow called forGreg. He called Kia Grand Kia U

(01:25:00):
REGs. It's very easy. Idon't know Greg has a big case here.
But here's what happened. He tookus twenty fifteen Kia Soul one hundred
and forty thousand miles to Grand Kia. It was losing power and he said
he needed work on He said theysaid he needed work on the fuel injectors.
He had suspected that it was thecat, but he said he'd go

(01:25:27):
for the injectors because it was cheaper. After they did the work, he
still had the problem. They eventuallysaid he needs a cat. Now he
says, wait a minute, Iwant a credit for the work they did
on the injectors. And I said, I'm not sure you're going to get
all of that back, but itwas overpriced for sure, according to our
expert. Boe. What did theysay. We're trying back. We're trying

(01:25:54):
to get him back right now.Oh sorry, Well, okay, I'm
not going to explain the whole thingwhen we get him back, but I'm
just wondering what the hell is goingon with that case. Three h three
seven one three eight two five fiveAnd we're happy to talk. Okay,
bo we have them. Good themup there, go ahead, Bob,

(01:26:15):
Hi Tom. They're able to callthe Grand Kia and Thornton. Yeah,
and they were a lot more responsive, good company, a lot better than
dealing with Camping World. I cansay that I was able to get a
hold of the light people. Theservice manager said that mister Greg did bring

(01:26:39):
the car in and they did adiagnostic and they said there were no catalytic
converter codes, but the number onecylinder was not firing, so that's why
they did the injectors. But Itold him the situation that about the catalytic
converter, and Greg did go tosome other leaderships to have it checked out.

(01:27:03):
So but but but grand Key isthe one that did his cat.
Just so you know, I don'tthink you had the Catalan converter, Don
tom Oh, I'm sorry. Ithought, okay, okay, because they
quoted in four thousand dollars and therewas extensive so Greg I might have misunderstood

(01:27:25):
him. Then, Okay, nowthat he has to buy a cat,
he wants credit for their injectors.What did they say? Okay, they
were very nice about it. Hesaid they were willing to split the difference
and give greg an eight hundred andfifty dollars reef on on the bill for
the injectors. And well, that'sreally good. I thought that was very

(01:27:46):
fair because apparently the number one showingderwas not firing properly. And no,
no, I think that's wonderful.Yump, for sure. I would say
that deserves yep, for sure,that they get my dinger for sure,
and they were able to. Theycalled me right back and they're very responsive,

(01:28:06):
and so I told Greg you couldgo up to the dealership with his
credit card and they'll run him aneight hundred and fifty dollars credit today.
That's wonderful, man, Bo.Thank you very much for that, because
that's pretty cool. That's better thannothing, right, and they were willing
to compromise. Plus he had somework done anyway, so good, Thank

(01:28:27):
you very much. And now we'regoing to go to another deputy Deputy Chopper.
He called about next Gen. Now, now this is a little more
complicated We've getting We've got a coupleof calls plus some texts and other inquiries
about next Gen. I don't knowwho next Gen is, but they do.
I guess Marvin Windows and Doors,and apparently they're doing a pretty piss
poor installation of I can say pisspooron the air, I think I can.

(01:28:53):
And I said, just call overthere and see what the hell's going
on, Deputy Chopper. What dothey say, Well, they are a
window and door company that covers Colinillsprings and fork columns. I called and
talked to their central dispatch. Well, first of all, I called Kendra

(01:29:15):
and talked to her and saw whatsituation was on our sliding door and then
I called next Gen and talked toClaudia, their head dispatcher, and worked
out for Kendra to call them immediatelyand they will send a service person and
give it another try. What wedidn't get on the air was this is

(01:29:36):
six months between when she said therewas cold air coming through and now,
so there hasn't been a service callin six months. So I kind of
was thinking that we should give themone more try and see what happens and
Kendra will get back with me.I did confront her the dispatch. You're

(01:30:00):
saying, are you having problems?You know, I don't know if she'd
tell me the rain, but shesays, no, no, we haven't
heard anything. And I said,well we have, and I said I
would suggest you listen to the showbecause we're getting problems on you and I
want to hold you to this andsee what you do for Kenda. Yeah,
it was Joe who bought Marvin MarvinWindows. He bought Infinity and uh

(01:30:27):
that had him installed. Yeah,but that was two years ago, and
he sent pictures they're leaking like hell. I mean, that's a bad,
bad installation because they never really insulatedaround it. Right. It seems to
be their problem that they're not insulatingthe problem way around or ceiling, insulating

(01:30:48):
and ceiling. I think so ifyou get to talk to them, it
is the insulation and the ceiling.And I'm just putting a warning out there
for people. If you deal withnext Jen, the fact that we got
two back to back and some others, I would not I would not be
in a hurry to do business withthem right now unless they get their installations

(01:31:11):
in order. And you always hearit first here. Yeah, I agree
with you, Tom Town. CanI say one other thing? Go ahead,
sir uh grand Kia up there inNorth Glenn. I worked with them
twice. They've always been very receptiveto helping the customer what we call good
excellent and but that's what Bo justfound out. And yes, I know

(01:31:38):
there's something to be said about that. That they get back to us their
cooperative and they help consumers. They'renot jerks. That's good. I'm glad
to hear that very much. Threeoh three seven to one three talk seven
one three eight two five five Denverregendot com. If you are looking for
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(01:32:05):
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(01:32:27):
a cent until you're content. Timefor an insurance checkup free, no obligation
comparison call Compass Insurance paying too muchyour coverage at dozens of insurance companies find
out now three o three seven toseven to one. Help. You'll think
you're his only customer when you chooseFrank durand the real estate Man dot com
to list your home with Remax Alliancethree oh three nine two zero sixteen twenty

(01:32:51):
two. Hi Tom Martino three threeseven one three talk seven one three eight
two five to five, Melissa,what's going on with you? Melissa?
What's happening? I think you hadcalled before. I'm looking for your original
call. Yes, I have,and what I'm looking at the okay,

(01:33:15):
unemployment it was unemployment m h.You applied for unemployment benefits in February.
The state put altogether, they said, they put you on what was called
an integrity hold, and they saidthere was some something was compromised, possibly,
and she was told that everyone isput on a hole due to excessive

(01:33:40):
fraud, and it was pending.So you found out what you were denied
completely? Yep. I think somebody'sactually got taken my identity. Now why
did they say you were They musthave given you a reason for rejection junction,

(01:34:00):
so I know it sounds like you'resipping on a grandpa's cough medicine.
Now wait a minute, Melissa,did they give you actually something in writing?
Did they give you something in writing? They have not sent me anything
in writing at all. Nothing.Okay, how do you know you were
rejected? Then? They don't makephone calls. They don't. They don't

(01:34:23):
do it by phone. So howdo you know? I was on a
computer, oh, online over theinternet, and they said and when you
went to your account, have nointernet? So how am I supposed to
do anything? So wait a minute. So you went online and it said
that your claim was rejected? Mmhmm. Do you remember what the wording

(01:34:47):
was? Did you download it?No? I No, I didn't.
I should have. How long haveyou been unemployed? Just January twenty fourth?
What kind of work did you whatkind of work I was. I
was I was a security officer,like a guard or what I do security?

(01:35:10):
Yeah, that's grant. Yeah allright, So and and are you
approved for armed security work? No? I am not. Okay, and
so rather not because of all that, I understand what kind of is going
on? Okay, can you getthat the delay? Get the delay and
then put her on hold? Thankyou. Can we send this this Phil

(01:35:35):
Spethart over there to see if hecan look into it, Kachina, let's
just do that, okay, sure? I can you imagine her guarding you
with a gun? Well, no, she said, no, she doesn't.
I think she's just distressed because she'sout o work now. She's drunk
as hell. She admitted it.She's not trunk, she admitted it.

(01:35:58):
Did she just say that? Yeah? Yes, I said, you've been
sipping on Grandpa's cough medicine. Shegot may a little. Yeah. Hey,
let me ask you, Kachina.You talked her off the air?
Yes? Is she is? Shekind of sloshed a little maybe, yes,

(01:36:20):
Okay, she admitted it. Hmmm, Well, okay, she used
to work with Hunter Biden. Here'sthe thing. Three h three seven one
three talk seven one three A twofive five. Now, hmm, Mark,

(01:36:43):
you know what, yes, youknow? I mean somebody calling in
the show and they're a little nebriated. I don't care that much. But
when you it can be good radio. But when you show up for a
job interviewed. Do you remember thattime? Oh yes, Oh my god,
that was some one you knew.We what do you mean you know
him? We was okay, fine, you don't know anybody who drinks.

(01:37:08):
No, I didn't know he wasgoing to show up in Ebriad. It
was it was It was scary.No, it was really embarrassed, Like,
wait a minute, is this guyfor real? He's coming to talk
to us about a job. Didn'the used to sell? Isn't he the
guy that austin I don't want toidentify anybody's but yeah, he is the

(01:37:28):
guy we knew that would sell privateblank blank yeah, yeah, well services
you mean for you know. Here'sthe thing, though, Tom, you
can't you can't drink all day ifyou start in the morning. What does
that mean? I don't know.Someone on YouTube put it up. No,

(01:37:49):
no, you can't drink all dayif you start in the evening,
because all day would be starting inthe morning. He put exactly, you
can't drink all day if you don'tstart. That's right. Warning, Okay,
he's right, that's right, that'sexactly right. That's right. Let's
talk to John and then I'll takea break real quick here John, what's
going on? John, I'm playingby the landscaping issue. Tom. Okay,

(01:38:15):
And does it involve your somebody youhired? Yes, okay, So
what's the problem, Like, I'mgoing to come right back to you.
Is it that they didn't do thework or they did a terrible job.
Now, they did the work,a great job, but never came back
to replace the two dead plants thatare worth about six hundred dollars, the
two of them. Okay, holdon, I'll come right back to this.

(01:38:38):
Though. It's basically like warranty work. We have more coming right up
on the Troubleshooter Show. Three Othree seven one three eight two five five
Go with a sure thing Denver's Bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for Anturan check up free, no

(01:39:00):
obligation. In comparison, call Compassinsurance paying too much your coverage at dozens
of insurance companies find out Now threeall three seven to seven to one help.
You'll think you're his only customer whenyou choose Frank durand the real estate
man dot com to list your homewith Remax Alliance three three nine two zero
sixteen twenty two. Hi Tom Martinehere three O three seven to one three

(01:39:29):
talk. John said, they dida pretty good job with my landscaping.
But they there's two plants guaranteed.I guess they're guaranteed right, they're dead
and they won't come back and replacingthem around six hundred bucks. What kind
of plans and annibel hydrangea and sohow long did they last? Well,
that's what happened Tom. That supersnowstorm late April March uh split my three

(01:39:59):
year old tree in half, andmy landscape guy took a couple of branches
off just because of the congestion,and recommended this guy to come and remove
the tree, which he did professionally. And then the near to the base
of this tree was I had adead hydrange And he agreed to grind out

(01:40:19):
the stump and came back to grindout the stump and he got most of
stump out, but he couldn't getthe rest of it. So we just
we what does this have to dowith the two hydranges? That's where I'm
going right now. So I thenhired him then to replace the dead hydrange
and to plant a new hydrangea inthe spot where the old tree was.

(01:40:40):
And so so I don't want thehydrangers from that nursery up in Alameda,
that big wholesale place. Yeah,and he came back and he planted the
two hydranges and they looked like theywere dead. But this was end up
end of March. So okay,so these are brand new plants. It
wasn't the ones that were hurt.The brand new plants. I said,

(01:41:02):
I'm sending from Alameda Landscaping. Andwe've been talking ever since then about him
coming Okay. Then he came outof the end of May to take a
look at him and he agreed theywere dead, and I agreed he'd be
out in about a week. Sohe had continual dialogue since the end of
May about him coming out. Hehasn't been out yet. Uh, he

(01:41:25):
doesn't answer myself. Oh wait,he did when he looked at them,
he agreed he needed to replace them. Well, yeah, and he said
he do. He said he'd beout money with two new ones. Okay,
so and you haven't talked to himsince, but yeah, then I
talked to him after that. Thenhe stopped returning my telephone calls. Then
my wife caught him on her cellphone and he talked to her. He's

(01:41:45):
I'll be out money to take careof him. Never showed up. I
then sent an email to his company'semail addresses KC Tree Services, and I
got a response back from Anika Thatchersaying he would be out to replace him.
He then called Monday and said it'stoo hot, I'll be out Tuesday
to replace them. And hasn't hasn'tbeen out well without going through every miss

(01:42:10):
that's it. That's the end ofmy story. So this is what I
meant, was the guy simply he'snever been back, he's not been well.
He came back to see him aboutthe end of May. Has not
been back to replace him, eventhough he said he'd be here Monday.
After Monday, Well, this isgoing to be really easy if he's in
business. I mean, you know, first he heads up, guy,

(01:42:30):
he just doesn't follow through. What'sthe name of the landscaping company? KC
Tree Services. Okay, KC TreeServices, I have their number, Okay,
hold on. I want to givethis to one of our deputies to
call and see if we can justget him to go out there before you
file a small claim because the gamesplan on myself just brings them out.

(01:42:55):
But but they're very they're big,tall manager, but I'm bet like three
foot tall out out of the bucket. So there are two big, big
plans. Oh plan on myself.He just brings them out here. Are
they dead as a door nail?Are they not coming back? They were
different at that time you plan them. I think, all right now we

(01:43:16):
should uh and the maid look athim and he brooke the branches off on
the greed. They were completely dead. You'd replace them, okay. And
and because I did hear a youknow word? Okay, thank you.
So anyway, here's the bottom line. I want to give this to Deputy

(01:43:38):
Dock to call this guy, seeif we can light a fire and get
it done for him. Three Othree seven one three eight two five five.
We're running out a time, Roger, what's going on? Oh?
Hold on, Roger, can youhang on and we'll bring you up in
the next hour. I'm Tom Martine. We have an hour to go.

(01:44:00):
Oh I'm gonna try to get Rogeron and anyone else. If you have
a problem, question and complaining threeoh three seven one three talk is our
number and you can always call threeoh three Martino. Remember the number twenty
four to seven. It works forhelp, information and referrals. Three oh
three six two seven eight four sixsix. Go with a sure thing Denver's

(01:44:24):
best roofer Excel Roofing dot com.You don't pay a cent until you're contenth
time for an insurance check up free, no obligation. In comparison, call
Compass Insurance. Paying too much yourcoverage at dozens of insurance companies find out
now three oh three seven seven onehelp. You'll think you're his only customer

(01:44:44):
when you choose Frank durand the realestate Man dot com to list your home
with Remax Alliance three oh three ninetwo zero sixteen twenty two. You need
advice who you don't have? Comerunning just as fast as we can.

(01:45:09):
Shoot is gonna help coming Man Dixis the Troubleshooter Show. Now, Tom
Martino, Hi, Tom Martino here, Welcome to the show. Three oh
three seven one three Talk seven onethree eight two five five. Welcome to
the show. What can we doto help you? All you have to
do is give us a call ifyou need help. Three oh three seven

(01:45:31):
one three Talks seven one three eighttwo five five. All right, So
we have gotten calls over the years, I would say, of all kinds,
but I don't think I've ever gottenthis one ever. So I'm just
curious, as we had. It'sall about we have huh, we have

(01:45:55):
gotten a call. It's pretty muchthe same. But I'm not going to
ruin with this call. Is butthey wanted a flight. We actually fell
Wait wait, wait, wait,that was a flight mark. This is
not a flight, Roger, Roger, what do you need? Just Tom,
I need a ride to Chicago.So I want to put it out
to your listening audience and you cangive that give out my number if you

(01:46:20):
want, Because what I have isI have a tractor trailer and a storage
place. So I either need toget a one way rental car or if
somebody is heading toward Chicago or passthere or two there or anything. I
will pay the entire fuel cost.May I just ask you something? First

(01:46:41):
of all, I have to askthe obvious question. Although the normal mode
of luggage is a hefty bag.The buses run from here to Chicago,
and can't you just buy a busticket? Yeah? I can't, but
uh, I don't know how thatwould go with my I got a little

(01:47:02):
chihuahua. Oh I know that wouldThey seem to be kind of difficult.
I don't. Okay, I don'tknow how they work on buses with chihuahuas
or emotional support dogs. But haveyou tried? Okay, you could you?
You could always Mark? Okay,I want to see how smart you

(01:47:23):
guys are. Right now? Hecould always use these lines. Word a
minute. Listen, I am ahundred and six miles to Chicago. We
got a full tank of gas,a half a pack of cigarettes, it's
dark, and we're wearing sunglasses.Hit it Blues, Brothers, or how
about this, We're on a missionfrom God. Okay, maybe that'll get

(01:47:45):
you listen. So but wait,wait, wait, listen. In all
seriousness, fly frontier dot com.I just picked out six twenty four,
which is a week or so fromnow, a one way ticket to Chicago
from Denver. You're ready seventy?Wow? See that's pretty Roger. What
do you need to get that.No really, and they'll let you bring

(01:48:08):
that little rat dog. Yeah,they will. You put it in a
little carrier. I have fun Southwestbefore him they put it. I put
They wanted me to put him ina carrier. And the stewardess comes over
and says, oh no, no, no, take him out of there.
Put him on your lap. He'llbe fine. Yeah, when you're
done. Yeah, as soon asyou get him. As soon as you
get airborne. They don't care.Listen, Roger, what do you need

(01:48:28):
to get there for? I've gota tractor trailer and a storage I need
uh oh, Denver. Okay,maybe there are truckers listening that'll give you
a ride. Listen. We'll takeyour number in case somebody calls. But
man, why wouldn't you go toFrontier? Yeah? I mean I could
do that now what I have donein the past. I just like go
up to the airline and there's aforum you fell out for the FAA,

(01:48:53):
and I just tell him he's aservice animal. And looking at the laws
on an eighty eight, there's onlytwo questions they can ask you. Is
it a service animal? Yes?Or no? What's his function? You
don't need papers, don't need avest. Technically you can train the dog
yourself. Emotional otherwise you need allkinds of paperwork. If you say they're

(01:49:17):
service, no, no, emotional, they don't. They don't let on
as much as don't they wait,there's a difference between service and emotional.
Right, service would being you know, like the saying eye dog or something,
a dog that's missed out, someonewho may have epilepsy, you know,
seizure or stuff like that. Andemotional. Well, that all came

(01:49:41):
up I guess after Yeah, yeah, emotional, but came up after after
the I don't know what you callthem, were born, the snowflakes.
I don't know what was the firstyear snowflakes were born. I don't really
know what's the snowflake generation? Themillennials? Are they? That's is that
where the snowflakes started? Reason?Pretty much? Okay, Well, hey,

(01:50:04):
you know what other kind of supportanimal you can have on an aircraft
besides a dog? I'm manure horse? Damn right? Do they actually define
it? Yep, that's it,man, one of the two. I
wonder you know, I'm going todo something for the hell of it.

(01:50:25):
On if you just google miniature horseon a plane. They're everywhere. Okay,
I just want to see something rightnow? Where in Chicago should I
put here? For my I wantto put Chicago? Okay, Oh,
Harrington National Airport. I want tosee. I want to see what my
lift will cost. Hold on,they can't. They won't go out of

(01:50:49):
state like that. Okay, here'swhat my lift will cost. Limited availability
is they I'd have to do tomorrowat four am on no payment. Never
mind, they won't take it.They won't take it. Hey, wait
a minute, Wait a minute,why are we even contemplating the real answer

(01:51:11):
to this? This guy said hewould pay for the fuel. You've been
wanting to take a long flight?Connect the dots, brother, I'm not
taking him in my helicopter. You'rekidding me? Yeah? Well, first
of all, oh my god,you were gonna fly to Hilton Head.
I'm gonna do that just for fun, Mark, and why not trap this

(01:51:31):
guy off in Chicago. But hedoesn't sound like a load of lapse to
me. He doesn't sound like funto me. I bet he can reach
around the seat. He's a tractortrailer driver. That tells you right now.
That tells you right now. Hewear boots and a cowboy belt,
you know, and has a flatass. He probably knows some lot lizards.

(01:51:55):
Man, I hate when my slipoff the mother loving clutch. Yeah,
do you do where? I don'tknow why you guys wear such uncomfortable
belts and boots. Yeah, bigold boots and big old belts in your
belly while you're driving. It's justI don't understand. Are you an over

(01:52:15):
the road trucker? Oh? Yeah? And are you? Do you own
your own tractor? Then? Right? Yeah? You know what? I
can't tell you how many people havecalled this show over the years who wanted
to be an owner operator and buya tractor and got ripped off in the

(01:52:36):
used tractor business. Boy, didthey get bad trucks? What kind do
you have? I've got a bobo, I got a sixteen and nineteen the
nineteen. I'm driving too under aload. I'm driving to Denver right now.
I deliver tomorrow night and then Ineed to get over. You own

(01:52:57):
both of those? You own bothof those? Now? Isn't Volvo Evolvo?
Is wasn't What did that used tobe? What didn't they just get
into that business? I tell people, do not do the lease programs?
Yeah, a lot of tell youto have a leaf program. How much?
Tell me did you buy your tractornew? No, I bought amused.

(01:53:23):
How much do they run about?To say, four hundred and fifty
to five hundred thousand. I alwayscan get it for about sixty thousand,
sixty five thousand. Oh wow,that you can buy them with that many
miles and the dealer will put anextended warranty. But wait a minute,

(01:53:43):
how many miles will they go?Over? A million? Is holy crap?
So new? What do those suckerscost? Evolvo? Oh? Shoot
now, probably one forty one sixtyokay, yes, wow, does yours
have a sleeper? Oh yeah,double bounds? You know you can get

(01:54:09):
an Amtrak Denver to Chicago for underthree hundred. Yeah, but why would
you if you can take Frontier forseven? For some reason, he doesn't
seem to like flying. Well,sometimes they give you a half. So
the problem is if someone makes asudden move or the way you know Stewardess
is, you know, comes by, you know my but my dog also

(01:54:30):
makes a noise like maybe I'll growjust a little. He did that once
on a plight. I know he'snot a service. I know he's not
a service animal. They don't.They won't do that. Hey, I
think you're fifty bucks. I thinkfrontier. Long as it fits in a
carry on, you can usually pullit out once he's there. But if

(01:54:51):
it fits under the seat and yourswill they charge fifty bucks for the dog.
You're one hundred and twenty bucks inman. I mean you're not gonna
beat that less Martino steps up andflies you. I'd rather go that route.
Tom, you could sleep. Idon't think Tom, you know what
it is. I don't think Tomcan fly you that far. He's used

(01:55:13):
to flying just right around his localairport. He doesn't know how to plot
out this stuff and that kind ofcraw That's true, right, I've taken
I've taken trips all over the country, but I just don't. I just
don't do it for uh, forgrins. I do it for I mean,
I don't do it just to bringsomebody somewhere. I want to go
on a fun trip where I cando something along the way. You know,

(01:55:33):
from here to chicago's boring. Bythe way I've flown to Chicago.
I sleep. Yeah, fine,I don't go into the semi well.
He's going down the interstate will landon top of this trailer. Yeah,
a little touch and go. Youneed you need Tom. You need Tom
Cruise for that Tom Cruise, Wellbuzz highway patrol. What kinds of fun?

(01:56:01):
Okay, now listen to this.Okay, I'm gonna give you another
cool I'm gonna give you another coolline. Ready, all right, let's
see where is it? They don'thave my address? I falsified my renewal.
I put down ten sixty West Addison. Anyway, that's Wrigley Field,
get it? That's that was theBlues Brothers. Anyway. Apparently you guys

(01:56:24):
never saw that movie, but itwas a classic. Three oh three?
How about this one? Did youget my cheese? Whiz boy? You
remember that one? You don't rememberthat one? What about I'm going to
catch that sucker if it's the lastthing I ever do. Okay, anyway,
we got more coming up. Gowith a sure thing Denver's Best roofer

(01:56:49):
Excel roofing dot com. You don'tpay a cent until you're content. Time
for an insurance check up free,no obligation. Could comarison call compass insurance
paying too much your coverage at dozensof insurance companies find out now three all
three seven to seven to one.Help you'll think you're his only customer when

(01:57:10):
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
here, I want to go rightto Steve Moss. He's the one who
uh, Steve's lucky. He doesrock and roll, beer and man.
Uh. He also does the themesong for the Martino show. Here We

(01:57:32):
love and also does fun stuff upat the Colorado Speedway National Speedway, and
he wants to talk about Father's Daystuff going on. Yeah, when is
man? That's pretty soon Father's Daycoming up? Steve tell us about it?
Yees, sir? How you doing, Tom? How you doing?
Marko? Everybody else? Good?Great crew there. I want to start

(01:57:54):
out first talking about somebody else Iused. I didn't even know what was
on your referral as I called theBest Way installation the other day. Yeah,
they happen to have a last theyhaven't a They had a last second
opening the next day and I reallyneeded it done too. They went there
and you know, you know something, they worked with my budget. They

(01:58:14):
did a great job. And here'sthe thing I was super impressed with.
I'm picking your neck. They leftmy I did it in my martial arts
studio. I teached martial arts Koreantaekwondo, and that studio was cleaner when
they left than when when they gotthere. You know, you know how
most installations, anytime you get installationon anything, just horrible. You know,

(01:58:38):
most most companies are horrible. Butclean up. These people were very
impressive. That's really cool. Yeah, she does a great job. We've
had her on the show from timeto time, and really we get great
reviews about her. We do.And Ken you recognized me. I was
talking to him on the phone.He said, I know who you are

(01:58:59):
you give away to? It's onthe Tom Martino Show. Oh that's cool.
So let's talk about what do wegot going on? Okay, Well,
first of all, I'm gonna giveaway some tickets. Uh you'll have
to go to the race, youknow, pay to get in and then
visit the Rock and Roll Brewery tent. I'm gonna give b I P ticket
away to let's say ten people,okay, so they can call your show

(01:59:24):
and sing the tree Farm. Igotta give my Tree Farm client some love.
Okay. Anybody that say I don'tcare how bad they do. Anybody
that calls in and and UH singsthat tree Farm jingle, get their name
and number, give it to meand they'll be on the list. They
visit the Rock and Roll Brewery tentthat come Saturday night, not on Fathersday,

(01:59:46):
on Saturday night, uh and visitme, and I'm gonna give them
a free VI I p uh ticketgood for this season? Any any race
sea see what date? Visit U? Saturday? This Saturday? Okay,
so this Saturday. And then theyalso have before go ahead, go ahead.

(02:00:06):
They have day before Father's Day.Good. And they also have stuff
going on Father's Day. Right Father'sDay. They have a monster truck race.
I may be there for that.I'm not sure yet. But Saturday
nights that where they need to go. And I have I have sixteen different
beers. Mark. I want achallenge, Mark. He needs to try

(02:00:29):
my Pineapple Pantstop Triple I pay andI ain't sounds delicious one of if not
the best beer. If one ofthe if, I'll give it to him
free. If it's the best beerI have ever brewed. Now, can
you can you actually taste the pineapple. It's here's a it's a pet peeve
of mine. I'm really strict aboutit when I do flavored beers. First

(02:00:54):
of all, I use pure Idon't use flavoring, artificial flavoring, and
I make it very subtle most ofmy flavored beers. If you didn't if
I didn't tell them, they wouldn'tknow. But then once you know,
once you know it's in there,Oh, I taste it. It's just
accentuating it. It's not overtaking it. It's a pet peeve of mine.

(02:01:15):
You would never know, probably,but it's an amazing beer. We got
sixteen different kinds. I got amazingnew T shirts, a whole bunch of
merchandise we're gonna be selling there.And then all right, now Rock and
Roll Brewery, you got, you'regonna buy it. Colorado National Speedway concession.
We're not gonna sell the beer ourselves. I'm gonna let the track make

(02:01:35):
some money and you know, goahead and take care of them, and
we're gonna sell merchandise. Okay,So give you a coupon or a token
for discounts. All right. Sohere's what I want to tell them if
they show up this Saturday and theywere on the list. You're they're gonna
get free VIP tickets and then whatdoes that get them? Well, if

(02:01:59):
a meet me at the tent,I'm gonna give him a VIP ticket.
That's a VIP parking admission into theRock and Roll Brewery, beer Garden,
any race this season. Okay,they're gonna have that. It's gonna be
one ticket for Okay, for thefirst ten people that do. Take what
you guys, what you guys haveto do. What you guys see,
we're having a bad connection. Whatwe have to do right now is we

(02:02:23):
have to get people to call inand sing a verse of the Rocky Mountain
Tree Farm that he wrote, oneof his more famous jingles. And then,
no matter how good or bad youdo, the first ten to do
that will get you. Will takeyour name and number, and we will

(02:02:43):
put you on the list for him. So I think, Steve, we
can do it tomorrow too. Everytime they play it. We're not gonna
get them, by the way,we're not gonna get them all on today
probably, so you can do ittomorrow as well. During car Day,
I'll have to remind people, soKachina make sure we remind people tomorrow about
this as well, and that's whatwe'll do. We have an update tomorrow

(02:03:05):
on a twenty twenty three Dodge.It's it's not a good story, but
we're gonna have that update tomorrow too. And then also Jesse will be on
the show from Colorado Springs, HonestAccurate Auto Jesse, and he went through
one of these used cars for methat will be going to one of my

(02:03:29):
families, Venezuelan families who got workand place to live and they're really thriving.
And then and again, what I'mtrying to do in my small part
of the universe is help those whowant to help themselves. And this family's
doing great. We have a fewfamilies we're helping and and this will be
a car for him and well forhis family as well, and they're gonna

(02:03:51):
have everything done properly. So that'sreally a lot of fun that'll be happening
tomorrow. And we'll also take callson people who want to sing the Tree
Farm song along with today. Ifyou want to sing it, we'll put
you on a list, and thenwhen you show up at Colorado National Speedway

(02:04:12):
this weekend, you'll get tickets fora future race VIP tickets which have special
parking and special privileges, so havesome fun with that. Three oh three
seven one three talk seven one threeeight two five five. Okay, we
got our first one that wants tosing. We're gonna do it. Then
we'll take a break and we'll seehow it sounds. Okay, doesn't matter

(02:04:32):
how it sounds. You still gettickets. So even Mark could get tickets.
Oh please, but Mark, I'llgive you tickets not to sing.
Okay, let's go to Let's goto John, John, go ahead,
you Jay got twenty five extra twothirty five five mile lift two the tree

(02:04:55):
Farm. Nope, he missed aword. He's out. No, Actually,
that's pretty dang good. Brop.He missed a word. He didn't
matter. He's out, man matterbecause it doesn't matter, because you don't
have to sing it. Well,you still get it. So really seriously,
give your name and your phone numberto Kachina. We're going to pass

(02:05:18):
that on to Steve for Saturday.Thank you for calling. We got more
coming 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

(02:05:39):
checkup free no obligation. In comparison, call Compass Insurance paying too much your
coverage at dozens of insurance companies.Find out now three oh three seven seven
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 oh three
nine two zero sixteen twenty two.Hi Tom Martino, you're a troubleshooter.

(02:06:06):
Deani wants to sing or Deanne?I would? I think it's Deane.
She wants to sing the song toget some VIP tickets for Saturday night.
Well, no, no, thetickets aren't for Saturday night. You go
Saturday night for the fun and pickup the tickets at the beer at the
UH Rock and Roll Beer Tent.But right now she wants to sing to

(02:06:28):
qualify, and then we'll give thename her name and number two, and
I'd like to dedicate her singing toKing ga Rat on our YouTube station,
King Garrat. Okay, well listen, we're not making judgments. By the
way, on the singing, youautomatically get to do it automatically, just
by singing. So go ahead,you take God want to five? Catch

(02:06:54):
it? Two thirty five? Lastthree fall nailed it, got all the
lyrics right, give them, givethem that other guy's ticket that messed the
lyrics up. So you get too, Hey, I like it is this
a youngster? How old are you? Okay, you did a great job.

(02:07:18):
How are you going to go tothe show by yourself? You gonna
hitchhike? Yeah? Good, thereyou go. Good. Okay, you
hitchhike. That's a good That's avery safe thing to do. And do
you remember do you remember Saturday HadLive when they had Dan Ackroyd was marketing

(02:07:38):
to kids. Oh god, Iforget his character. Oh no. He
would sell, hey, kids,here's a bag of broken glass. It's
a lot of fun. You canmake collaga you mean, we would go
through it. And then he haddifferent stuff that he would sell to kids,
and he would say things like,hitchhike you're near a store or whatever.

(02:08:01):
Anyway, that's just a little sideline. I love old Saturday Night Lives
were the best. They had thegreatest humor in the world. It was
sick, great humor anyway, itreally it really was, man, I
mean it, I mean and thenit got well it's all right now.
I mean they're pretty clever people,but I love there's nothing like a great

(02:08:22):
comedian. I don't like angry comedians. I don't like angry ones or who
are always trying to make a statement. I mean that could of fine.
I just don't want to. Idon't look, I don't want to get
into it right now. Okay.The ones who have to like, they
I can't even think about. I'vebeen watching them on Netflix. As soon
as it happens, I turn themoff because I don't want to hear one

(02:08:45):
way or the other. I don'twant to hear politics unless it's for everybody.
I want to hear fun stuff.You know, I don't a lot
of them take the take the opportunityto slam people. Okay, I'll tell
you got angry before he died.I mean he was a g but he
got really, really, really reallyage. I know who you're gonna say,
who, George Carlin. Yep,he got really angry. We saw

(02:09:09):
him. We saw him at MGMin the first twenty minutes. Remember this
is at MGM where his residence wash and all he did was bitch about
MGM, and he was angry,but it was funny as hell. Yeah,
it gets to a point where Idon't know, it was like weird,
to where it was uncomfortable. Imean he would talk about everybody he

(02:09:33):
hates and what how about Sam Kennison. I saw him live. I liked
him. He was he's loud andhe's uh, but he wasn't he's angry.
I don't remember what he was angryabout, though. Do you anything
he was talking about? Come on, lady, you dumb it anyway?
She I saw him at Sturgis.That was crazy, perfect crowd right before

(02:10:01):
he right before he killed over it. Now, wait a minute, what
did you ride up to Sturgis whilewe're talking? Guess? Come on,
oh you went in your I flewand then yeah, and then Peter and
those guys always ride up. Gotit. Well, you had a Harley
for a while. I didn't knowif you took it. No, I
never wrote you know what, Ihad a Harley as a mistake. I

(02:10:22):
mean, that's really what it was. I never even should have had one,
kind of like a second wife.It was. Let me put it
to you this way, as faras Harley's I was a little intimidated.
I wasn't never comfortable and good atit never ever. Ever, you had
a lot of little ones. No, I don't mean little, but you
know you have liker like yeah,but no, you had a road bike

(02:10:43):
one time though at two fifty didn'tyou? I thought, well, I
got it two fifty now, butI had no, I had a thousand,
I had a crowd tracket. Ihad a hardly like bike. But
mostly I'm getting some questions for AtlasCPA so and this is odd because we're
just talking about this Eric. Asfar as filing, well, we were

(02:11:07):
talking about bookkeeping programs. One companywanted to know. Is there a bookkeeping
program that can that actually files taxeswhere when you're done it actually can prepare
taxes as opposed to having to goto turbo tax or something like that.
Do you know of any integrated programslike that. No, Typically bookkeeping is
completely separate from the tax filing.But bookkeeping can do if you take like

(02:11:31):
do a quick books or something.Can they prepare balance sheets and stuff like
that? Sure, that's what they'refor, is financial statements more okay for
businesses. So you can if youkeep your bookkeeping, your balance sheets,
you can do your income statements.You can do your different kinds of stuff
like that. Yeah, but youdon't actually file with the book No,
no, no, of course notnow as far as bookkeeping, excuse me,

(02:11:54):
filing taxes. This is my question. I heard that the IRS is
moving toward a system where it wouldbe all electronic. They introduced a free
experimental program, free which you're tryingto expand as much as they can,
but they're really limited in the kindof clients they can serve. So,
Eric, when you file my taxes, you do them electronically or electronic.

(02:12:18):
So there's what do you do withthe heart They don't require any follow up
with hard copy at all, nomore. That's gone really, so would
you say that that go ahead?Mark? Well? Why, I was
just commenting on what Eric said.I had no idea, almost like a
for lack of a better words,a turbo tax. You're saying the IRS
actually kind of has something similar.It's going to be their own website with

(02:12:41):
the wouldn't that be the honest togod, I would find that to be
the dumbest thing ever to use,right, unless you make literally zero Why
is that? Do you think itwill skew against you? Well? How
many people are going to know certainthings they can write off. How would
they even know? Like part oftheir home office could doesn't ask questions,

(02:13:03):
does it go oops? Did youthink of your home office? Now?
Wait a minute. That is agood point. Whereas turbo tax will try
to help you take advantage of allyour write offs, right, it tries
to make suggestions. Yeah, butMark, this experimental program is going to
be for real, simple situations,people with w twos and interests. I
don't think business people are going tomigrate to it at all. God,

(02:13:26):
Like you said, tax law isfavored towards the self employed, so the
irs is never gonna put out asystem that lets you massage through your information,
which you can do on your own. Tax law is favored for self
employed completely. What do you meanby that? Because two person can't deduct
anything against their wages, whereas aself employed person has a lot of flexibility.

(02:13:50):
Oh, I get that a greatAnd then then let's just think of
capital gains. Think of how manypeople just literally make money off capital gains
and that's way lower than any incomeand a billion dollars. I'm gonna ask
you a trust and Mark, what'sthe capital gains rate? Right now,
I think it's twenty percent federal andthen stay of Colorado, I think it's

(02:14:11):
five. Okay, I'm talking shortterm. Yeah, No, that's long
term. That's known. Short termis regularly what short term is regular income.
Whatever your bracket is, that's whatis that, right, Eric,
of course, short term is whateveryour your regular rate is. And by
the way, long term table gateit's fifty that's right. And by the
way, you're both you're both you'reboth on, you're both wrong, and

(02:14:35):
I'm gonna tell you why. Comingup. You've got more coming up.
Go with a sure thing Denver's bestroofer Excel Roofing dot com. You don't
pay a cent until you're content.Time for an insurance checkup free, no
obligation. In comparison, call Compassinsurance paying too much your coverage at dozens
of insurance companies find out now threeoh three seven seven one help. You'll

(02:14:58):
think you are his only customer whenyou choose Frank durand the Real Estate Man
dot com to list your home withRemax Alliance three oh three nine two zero
sixteen twenty two. All right,I'm Tom Martino, Eric Reinemerantles CTAs and
advisors. And here's what I wantto say, capital gains. We were
joking about that. They were bothkind of wrong. They said fifteen percent

(02:15:22):
or twenty percent. They're both righton fifteen and twenty percent, but I
didn't realize this. You don't paytwenty percent capital gains until you make over
four hundred fifty nine thousand, sevenhundred and fifty dollars. And if you
make then it's fifteen percent between fortyone thousand, six hundred and the big
four hundred fifty nine thousand, soit's fifteen. So most people pay fifteen

(02:15:43):
percent, some people pay twenty percent. But Eric, there is also what
that is zero? Well, there'sthe zero level zero. So Mark,
if you make under forty two thousandroughly, yeah, I see that.
That's I mean, see I neverhave. I only found that out the
other day. And I know whyMark or ninety thousand for a couple,

(02:16:03):
So yeah, yeah, that Mark, that's ninety grand. So think about
this. If a couple's making aboutninety grand a year, or technically it's
about it's about eighty three or eightythree or eighty four. If you're making
that or less and you sell yourhouse, you have zero capital gains above
that amount? Hey, or haveyou? Does that go for an IRA?

(02:16:24):
Like, if someone's retired age seventyand has an IRA that's generating one
hundred thousand dollars a year or I'msorry, under ninety thousand dollars a year
in revenue. Well, first ofall, iras aren't tax they're tax deferred
anyway, and everything in an IRAcomes out ordinary income. Everything nothing is
capital And that was the question.So there's no capital gains coming out of

(02:16:46):
an IRA. Any retire for anyretirement plan, there are no capital gains.
Guys. It's free up until whenyour income goes over collectively over that
eighty five thousand. Then the fifteenpercent kicks in. So it's all about
your other income. Like but stilleverything. There are people who have sold
homes and had no capital or excuseme, or stocks or whatever, and

(02:17:09):
they don't pay capital gains. That'sright now. What was the other thing?
You can plan it strategically for ayear when you might have something.
Okay, there's an additional tax markI didn't even know about on top of
capital gains. If you make toomany capital gains go ahead, there's the
net investment income tax which came ina few years ago. It's three point
eight percent that kicks in if youhave an investment income over two hundred and

(02:17:33):
fifty thousand dollars in a year.For think about that now, that's not
too difficult to achieve with a bigportfolio. So that's a total investment.
Even if you don't pay cap gains. If you have income from your from
your from your investment accounts, youpay an extra three point eight percent on
it. Do jeez. That camein a few years ago. Yeah,

(02:17:54):
I just never thought of that becauseand you know what I'm thinking, Wow,
I didn't know why they did.You know why they do this though?
Why the capital gains is so muchless? They want people investing in
the coast. Of course, thatwas the whole idea. Is not to
make it ordinary income. They wantedyou to have the incentive to invest.
And by the way, I shouldmention that there is a move in government

(02:18:16):
in some factions to remove all capitalgains and in fact it goes worse than
that mark. Do you know thatthere is a real move in Congress to
tax on realized Now now can youhappen? How the hell can it happen?
If you have an unrealized gain andpay tax on it. What happens
if when you go to sell thatgain turned out to be not so much?

(02:18:39):
Do it happen? Don't get nervousabout it, because I don't even
think that would go through the SupremeCourt. Man, how about an unrealized
murder? Yeah, of course.Okay, we're out of time. I
want to tell you about Atlas.They're great people still taking new clients.
That's big and small. Atlasfirms dotcom three O three seven nine to nine

(02:19:00):
nine one. They're great for smallbusinesses. Yeah, and don't forget to
call three h three Martino twenty fourto seven to get on the show.