Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Y'all ripped, didn't need advice?
Speaker 2 (00:09):
Who you don't have?
Speaker 3 (00:12):
Come running just as fast as we can.
Speaker 1 (00:16):
Shooter's gonna help come.
Speaker 4 (00:19):
Man Dix is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 5 (00:26):
Tom Martino here, Welcome to the show. Three oh three
seven one three talk three oh three seven one three
eight two five five. Here to help you solve problems,
answer questions, take make your life a little easier. We
have a studio full of people. I'm gonna bring them
up for those streaming and uh we have Frank Dran,
the real estate man, one of my favorite people on.
(00:48):
We also have uh John Clace from Partner in Lending
dot com or CMG Mortgage. We have Stephanie Thomas from
Stephanie Art dot com. Stephanie is in the Springs area.
So we'll talk a little real estate, but we'll talk
what callers want to call about. So get your calls
(01:09):
in at three oh three, seven to one three talk.
Of course, you can call three oh three Martine, that's
our main number. You can call twenty four to seven.
Leave a message. We'll get back to three oh three
six two seven eight four sixty six. I want to
get right to Chloe who called in and we're calling
her back on on groove Subaru twenty eleven Honda Pilot. Uh, Chloe,
(01:33):
what's going on with you? Let's just start out with you.
By the way, Hi, John, Frank and Stephanie. We'll get
to you in a minute. Here, Chloe, what's going on?
Speaker 6 (01:42):
Good morning? So I end up calling in and hoping
for a little bit of direction. So in January of
this year, we had founder vehicle with Groove Subaru that
we wanted to purchase, and we were okay with the
as is conditioned that was in.
Speaker 7 (02:00):
It was supposed to.
Speaker 6 (02:00):
Be just a family car.
Speaker 5 (02:03):
And what was what to give me? Is a twenty
eleven a Honda Pilot.
Speaker 3 (02:07):
Yes?
Speaker 5 (02:08):
And did you actually buy it? Yes? How many miles
on it?
Speaker 6 (02:14):
So that's where the tricky part comes in. So at
the time Theodomeino read two hundred and eleven.
Speaker 5 (02:21):
Thousand, Oh my god, why would you buy a car?
You know you will have problems. There's no doubt in
anyone's mind. You will have major problems with any car
over two hundred thousand miles.
Speaker 6 (02:34):
Yes, but the mechanics I could handle, because that is
actually something I and my friends do. So that wasn't
the issue. Okay, sign that's like literally, yep, that's what
we wanted for.
Speaker 5 (02:45):
And okay, So a two thousand eleven Honda Pilot two
hundred thousand miles from Groove, Yes, and where are they located?
Speaker 6 (02:55):
In Inglewood, Colorado?
Speaker 5 (02:58):
Okay? So what's the problem.
Speaker 6 (03:01):
So a month after or almost two months after March
this year, they sent us an email stating that we
had to sign a document that was a branded title
disclosure that they had forgot to do in the.
Speaker 5 (03:16):
Previous Oh hail, no, don't sign that.
Speaker 3 (03:20):
We did it.
Speaker 6 (03:21):
We did it, and so we're like, okay, we'll see
breach it mark. And so when we got it, it
said that the odometer was campered with and it was
not actual mileage. So we did not know this when
we bought the vehicle.
Speaker 5 (03:39):
And then they wait, you got both. You got both
of those disclosures. It was a salvaged a branded title.
Was that why it was branded because of the odometer?
Or was it it because it was in an accident
because of the odometer? Oh okay, that's why the title
was branded. Yes, yes, So what did you do and
(04:02):
where does it stand? I mean, this is an exciting story.
Where does it stand right now?
Speaker 6 (04:07):
So obviously at that point we said we did not
know this, we are not comfortable with this. The document
itself doesn't even have the correct date that we bought
it on it, and it also has white out in
the signature area.
Speaker 5 (04:20):
Well, none of that matters. You already got an out.
For goodness sakes, this was in January. You bought it. Yes,
why didn't you? Okay, I'm hoping they gave your money
back and it's all over right the way I'm saying, bhone.
Speaker 6 (04:34):
Call the bhone calls now, they will not do it.
Speaker 5 (04:38):
Wait, wait, did you sign the new document?
Speaker 8 (04:40):
Yes?
Speaker 9 (04:40):
You signed it.
Speaker 5 (04:41):
Oh oh, well, what do you mean? How can they?
Did you go to the dealer licensing board?
Speaker 6 (04:50):
I so we live in Wyoming and we don't know
how to handle this. That's kind of why I'm calling you.
I don't know.
Speaker 10 (04:55):
What you said it Number one's dealer licensing board. They'll
get it involved into this so quick. It's crazy.
Speaker 5 (05:03):
This is you got to do that first. You got
to do that first. And all you do is make
a complaint against Groove Subaru. You say you bought a
car twenty eleven Honda Pilot two hundred thousand miles and
two months later or three months later, however long I
get notice of a branded title due to an odometer tampering,
(05:26):
and then what you have to do is basically get
get the deal? Undone, what have you done with the
car in the meantime?
Speaker 11 (05:36):
I we still have it.
Speaker 12 (05:37):
I mean we're have you.
Speaker 5 (05:39):
Been using Have you been using it?
Speaker 7 (05:42):
No?
Speaker 5 (05:44):
Yeah, they're just stonewalling you. Man. They want you to
go away.
Speaker 10 (05:47):
You have to file with the dealer licensing Board and
they have they have nothing they can do not to
get you out of this deal. If you were driving
it were what Time was alluding to was they can
charge a certain amount per mile, but if you haven't
been driving it, it doesn't matter.
Speaker 6 (06:04):
Yeah, okay, perfect.
Speaker 5 (06:08):
So does the odometer statement say anything about true mileage unknown? Yes?
Speaker 6 (06:16):
It does.
Speaker 5 (06:18):
You know, what's crazy?
Speaker 3 (06:19):
Tom?
Speaker 10 (06:19):
What'd she say? It had two hundred thousand on it?
What does this mean it's actually got four hundred thousand.
Speaker 5 (06:25):
It's nuts? Well, yeah, but Mark, they made somewhat of
a disclosure because she said the odometer statement alone says
true mileage unknown.
Speaker 9 (06:33):
But I think that's the adometer statement she was asked
to sign. Long after the deal.
Speaker 13 (06:39):
Wait.
Speaker 5 (06:39):
Wait, is that the odometer or asked to sign afterwards
or when you originally bought it?
Speaker 6 (06:45):
No?
Speaker 5 (06:47):
After okay, okay, but the original odometer statement said nothing
about that.
Speaker 12 (06:53):
Correct.
Speaker 5 (06:55):
Yeah, you're you're in the driver's seat, so to speak.
Call the dealer licensing.
Speaker 10 (07:01):
And that's why these well I'm strett calling you back.
I mean, what are they going to tell you we've
got and do the deal? I mean you would think
they would, but they won't.
Speaker 5 (07:10):
Exactly. Okay, Now I'm going to tell you the number off.
Let's say I can do it off the air. I'm
looking in my database here of complaint. Wait, I have it.
I have it in a contact I have a person
there to talk to. But anyway, here have they What
(07:33):
when was the last time you talked to them? April?
And what did they say to you at April? You
have to sign this? Uh?
Speaker 6 (07:43):
We actually had it recorded, so he was trying to
say that he he's helping me the best that he can,
and it just must have been a misunderstanding on our
part that he remembers us like it was yesterday and
he remembers the conversation and obviously, no, that's not how
(08:03):
it went.
Speaker 5 (08:05):
Okay, there's the Colorado Auto here. Here's what you call
the dealer licensing board. Okay, and let me just give
you the right number. They have three oh three two
zero five fifty six ninety six. Ask for the dealer
(08:27):
licensing board. Okay. Now there's another one two. They give
three oh three two zero five five six zero four.
I would try that one first, and then then you
say I want to file a complaint. What they're going
(08:47):
to do is have you go to the website. It's
the Colorado Auto Industry Division website. It's called you just
this just.
Speaker 10 (08:55):
Made me think of something. I think I'm off base here,
but I want your thoughts on it. When you go
to a closing on a house, if you forget to
sign a document, you agree that you'll go back when
you close on a car, I assume you sign something similar,
but I don't think this would be.
Speaker 5 (09:12):
But nothing that would wave nothing that would wave your
rights like that, nothing at all exactly.
Speaker 10 (09:17):
I wonder if that's what they're trying to hang their
hat on with her, though, like, hey, you agreed to
sign this.
Speaker 5 (09:26):
No they but it wouldn't work. But that's a good thought.
I'm Tom martine An issue with a landscaper coming up,
an issue with an employer coming up, an issue with
grease monkey coming up. We have more right after this.
I want to tell you water Pros has the best
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(09:47):
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think you're his only customer when you choose Frank durand
(10:28):
the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two, paying three O three seven one three talk
seven one three a two five five, Jason, what's going
on with the landscaper? Jason?
Speaker 11 (10:51):
Are you there?
Speaker 5 (10:52):
Yes, sir, what's going on? What landscaper you having trouble with?
Speaker 14 (10:57):
So I'm actually I'm I'm actually the landscaper.
Speaker 5 (11:01):
Oh, I'm sorry, Jason. What's going on?
Speaker 14 (11:05):
So I'm doing work for some lady, or I was
doing work for some lady and.
Speaker 11 (11:13):
Things just started going sideways, and now she's holding my
tools hostage. I'm pretty sure.
Speaker 5 (11:23):
Okay, tell me how it started, man, tell me how
it started.
Speaker 6 (11:28):
Okay.
Speaker 14 (11:29):
So I do work for a gentleman that mows a
bunch of lawns. He referred me to this lady. Last year,
I was going to redoce some of her drip system.
I just had a kind of a weird feeling about
the lady, so I ended.
Speaker 11 (11:44):
Up not doing it last year.
Speaker 14 (11:46):
The gentleman again this year.
Speaker 11 (11:47):
Asked me if I could go back do the job.
I said that I would.
Speaker 14 (11:53):
I went over to the lady's house last Thursday.
Speaker 5 (11:57):
I believe, like.
Speaker 14 (11:58):
The seventeens, her manifold was leaking from the main line
and I told her, I said, this needs to be
fixed before we can do the drip system. Because she
thought her drip system was leaking. But I told her,
I said, the.
Speaker 11 (12:14):
Manifold and the main line.
Speaker 5 (12:18):
I don't need Jason. I love that you have this
detail and I don't need it. I need to know
right now if we call her and say, and by
the way, she doesn't have a right to take your
tools without a rid of execution and a judgment. So
if we say why are you keeping his tools? What
will she say that?
Speaker 14 (12:39):
I have her old parts, the old valves, the old.
Speaker 5 (12:45):
But you installed new ones, right I did. Okay, there's
no law you had to keep that old stuff. I
want to ask another question. How much did she pay you?
How much did she pay you?
Speaker 8 (12:58):
Please?
Speaker 12 (12:58):
Paid me?
Speaker 11 (12:59):
I believe I have four hundred and twenty five dollars,
But that's that doesn't even cover parts.
Speaker 5 (13:06):
No, I get it, But what does she owe?
Speaker 11 (13:13):
That's the thing she kept.
Speaker 14 (13:14):
She wants me to keep.
Speaker 11 (13:15):
Doing more and more work.
Speaker 5 (13:17):
I need to know. Do you have a contract with her, Jason?
I'm asking some simple questions. No contract, I don't know. Okay,
So how do you know she's going to pay you
for what you do?
Speaker 14 (13:31):
I was just taking her word?
Speaker 5 (13:34):
Okay, why is she if you wanted to go over there.
If you wanted to go over there and get your tools,
which you have every right to do, and take a share, deputy,
what would she She won't let you. We'll call her
and tell her how wrong she is. This is not
how she handles this.
Speaker 8 (13:48):
I already went over there with the shriff's deputy.
Speaker 11 (13:50):
This morning at eight o'clock. And I tried going over
there last night with the shriff's deputy, but they stop.
They stopped the call at five, so I couldn't do
it last night. So I went over first thing this
morning with the sheriff's deputy for a civil assists and
nobody answered the door. And I don't think she's home,
(14:12):
and she wouldn't answer the cops calls, and she won't
answer my calls.
Speaker 5 (14:19):
We should try to call her. I'm going to have
Deputy d call over to her.
Speaker 9 (14:23):
I'll do it right now.
Speaker 11 (14:24):
Tom is that Deputy Chopper?
Speaker 14 (14:28):
I think I actually we texted him this morning.
Speaker 9 (14:30):
Oh wait a minute, so he's already got somebody working
on this.
Speaker 5 (14:33):
How did you? How did you?
Speaker 14 (14:37):
How did you know that number?
Speaker 5 (14:39):
Why is that you?
Speaker 8 (14:40):
Guys?
Speaker 14 (14:40):
Do you guys help with the problem that my niece
had a while ago?
Speaker 5 (14:43):
And I had his.
Speaker 11 (14:44):
Number on my phone as Tom Martino DT.
Speaker 5 (14:47):
Okay, all right, ask Kitschina, make sure Chopper follows up
on this.
Speaker 3 (14:54):
Got it?
Speaker 5 (14:56):
Oh man, she doesn't have a right to do this.
Speaker 3 (15:01):
And the thing.
Speaker 14 (15:01):
Okay, gosh's preventing me from doing more work.
Speaker 5 (15:05):
I know, well you you know. Listen, how much? What
are your tools worth?
Speaker 11 (15:11):
Oh dude, it's a couple of show boos.
Speaker 14 (15:14):
So every time I would go to the job, I
need to ask you again, what are your tools worth?
Speaker 11 (15:20):
One hundred and eighty dollars?
Speaker 8 (15:22):
One hundred and take.
Speaker 5 (15:23):
Dollars if I were you. Okay, that's not important. Then
what is important? Why don't you just move on, dust
off your feet, go to small claims court and call
it good.
Speaker 9 (15:33):
Not only for the tools but loss of income.
Speaker 14 (15:37):
Because I exactly, I've lost a lot of income going
back and forth to this lady's house trying to get
my tools.
Speaker 5 (15:45):
Yeah, but you got a fusion. Okay, you're not going
to be able to sue. I'm just going to tell
you the truth. You can't sue for thousands of dollars
in income when you can go out and mitigate your
damages for one hundred and eighty bucks. So that's not
going to work. Okay. What you need to do now
is spend one hundred and eighty bucks and get the
tools and then go back and sewer for the for
(16:05):
reasonable for a reasonable loss. Three oh three seven to
one three talks seven one three eight two five five. Kenny,
you have an issue with an employer. What's going on? Kenny?
Speaker 15 (16:16):
Yes, Hey, Tom, So, I have an employer that owes
me about I would say around ten grand in money.
I left his left his about i'd say in November
towards the end of last year, and he had some
jobs that were currently waiting to get closed out, and
(16:36):
now those jobs have closed out. He paid me not
I'd say maybe about four months ago. He paid me
towards the end of a couple other jobs. And now
he has about four jobs of mine.
Speaker 8 (16:46):
That are completely closed out.
Speaker 15 (16:48):
I know they are. And when Eye contacted.
Speaker 5 (16:51):
Well, what, first of all, were you a W two employee?
Speaker 16 (16:54):
Oh sure, I was at ten ninety nine.
Speaker 5 (16:57):
And you were an outside salesperson?
Speaker 8 (17:00):
Yes, sir, yes?
Speaker 5 (17:02):
And did you and did you have a contract?
Speaker 8 (17:05):
Yes, sir, we did, we did.
Speaker 5 (17:07):
And what did the contract say you'd be paid?
Speaker 15 (17:09):
When the contract stated that we would be paid two
weeks after final payment was collected from the homeowner.
Speaker 5 (17:19):
And what reason is he giving you to not pay?
Speaker 15 (17:22):
He just says, it's the company. It's the company's process,
he said, due to how long it took for payment
to be collected, so on and so forth. It's the
company's process. That's the expand that's extending this.
Speaker 5 (17:36):
So now, what kind of work did you do? What
kind of work did you do?
Speaker 15 (17:40):
I was a complete extraior restoration, so roofing, siding, windows, gutters, all.
Speaker 5 (17:45):
The good stuff, all right, mainly roofing.
Speaker 8 (17:51):
I would say, we did it all like some.
Speaker 15 (17:53):
Most of my jobs that I had were roofing, gutters
and siding.
Speaker 5 (17:57):
Okay, listen, not allowed to play like this with your
money unless you agree to it. Did the agreement agree
to it? No, sirre okay. Do you have a copy
of that agreement?
Speaker 8 (18:18):
Yes?
Speaker 5 (18:18):
I believe I do. Can you get us that copy
and I'll give it to Deputy d Over here to
look at and he might call those people and tell him.
Speaker 15 (18:28):
Yeah, absolutely, do you uh is the troubleshooting email to
get emails to sign that to?
Speaker 5 (18:33):
Well, we're gonna help at troubleshooter dot com. Get it
to us quickly, even during this show, and we can
see what we can do. So get that to us.
I'm Tom Martinez three oh three seven to one three
talk seven one three eight two five five fix It
twenty four to seven. They guarantee a no breakdown for
(18:53):
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It twenty four to seven also gives free second opinions.
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(19:16):
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a cent until you're content. Time for an insurance check
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(19:39):
too much your coverage at dozens of insurance companies find
out now three all three, seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance. Three all three nine two zero
sixteen twenty two. I'm Tom Martino. You're a troubleshooter. Three
(20:03):
all three seven one three talks seven one three eight
two five five is the in studio number while we're
alive the number twenty four to seven, including in studios
three h three Martino pass that around three oh three
six two seven eight four sixty six. John places with
SAMG Mortgage. John, we advertise for you the all in
one loan, give me, give me a rundown. I like
(20:26):
to call it a thirty year line of credit that
you can pay up or down. Well, you borrow up
and pay down at will, and it allows you the
freedom of paying more or paying less. Can you explain
more about it?
Speaker 17 (20:42):
Yes, it does so all in one loan. It's it's
the only kind of a loan that it's a first
lean helock. And it's tied together with a checking account,
so you think about your checking account. Checking account, it's
usually a place just to hold your money. Well, now
you're checking account with this. It has an automatic sweep account,
so if you have a two hundred thousand dollars loan
and you deposit five thousand into the checking account. At
(21:04):
the end of that business day, that five thousand sweeps
over and the two hundred goes to one to ninety
five and you only pay interest on that. But if
you've got to pay a bill for one thousand dollars,
you just write it just like a regular check and
it automatically pulls out. So it's one of the most
efficient ways to use your money, and your money's always
working for you.
Speaker 5 (21:22):
So it's also giving you really good interest on a
checking account if you think about.
Speaker 17 (21:27):
It correct because you're saving interest with saving interests is
the same as earning interest.
Speaker 5 (21:32):
It's the same exact thing I tell people get rid
of high interest debt. And then when you have a
loan like this and you put a checking account in there,
if you have a lot in your checking account, it's
saving you that much interest every day and.
Speaker 17 (21:44):
The money's always staying liquid. So that's the key is
you always have access to your funds. But it's the
most efficient way, and like you said, you're actually saving that.
That's a great way to put it is you're making
money a lot higher interest on your checking account that
usually you don't make any anything on.
Speaker 5 (22:00):
Now are people using it?
Speaker 13 (22:03):
Yes, we are doing well.
Speaker 17 (22:05):
We're doing over across the country over a billion dollars
a year in this product. It is really become a
popular People are really starting to know about it, and
it's it's really it's really math. So it really makes
sense for the right person if you got your debts
in control and you want to pay off some debts.
It's just it's really a common sense once they look
(22:27):
at it and see how it operates.
Speaker 5 (22:30):
So if you the more money you have in your
checking account, the more interest you save.
Speaker 13 (22:34):
On your loan, that is correct.
Speaker 17 (22:36):
For example, I have a lot of clients who might
have a five hundred thousand dollars loan and they have
fifty thousand sit in the savings for any day fun.
But they leave it there because it's liquid. They don't
put it against a regular amortized mortgage because then you
can't get it back out. Well, here, you just move
it over. It saves you interest until you're going to
use it. You may need it six months from now,
you need to may pay pay pay IRS, taxes, But
(23:00):
why that money's sitting there, it's saving you interest it's working.
Speaker 5 (23:03):
Now, John, are you telling me it is truly as
simple as writing a check.
Speaker 17 (23:08):
It's truly as simple as writing It's like any other check.
It is any other checks. Account you have, it's got
online bill pay, debit card, and it's as easy as
writing a check.
Speaker 13 (23:18):
I am telling you that if.
Speaker 10 (23:19):
You've got a small business and sweep into that account
every night, you could literally have no mortgage payment.
Speaker 17 (23:25):
Ever, we do a lot of the self deployed people,
and why the money's sitting in their business account they
can move it over Then when they got to pay
the expenses, they move it back to their business accounts
to keep the accounting good. But yes, why that money's
sitting there parked? It saves them a lot of interesting.
Speaker 5 (23:41):
Now, the housing market is a lagging economic indicator. It's
not a leading indicator. It's a lagging indicator, and it
does tell us or solidified what we think about the economy.
(24:02):
It doesn't predict it, but it can predict more serious times.
If the lagging indicator shows a slowdown, it means there
could be more of a slowdown coming. So I'm going
to ask Stephanie, what are you noticing in the housing
market in the Colorado Springs or Pike's Peak area as
they call it.
Speaker 18 (24:20):
You know, our days on market.
Speaker 2 (24:22):
Have consistently, I think, been writing in that seventy to
eighty range our active property How what.
Speaker 5 (24:30):
Is that year over what is that year over date
or two years over date?
Speaker 2 (24:33):
Oh goodness, two years ago, I think we were probably
half of that. I don't have that number in front
of me off the top of my head, but probably
what about last year reasonably? So I do think those
are increasing, but we're kind of you know, the last
several months that we've talked about this, we've been in
the same range. So the good news is is I
don't think we're you know, skyrocketing, super high anything like that.
(24:55):
Our current active properties in Colorado Springs, we've got a
little under three thousand, and we have a little over
one thousand under contract.
Speaker 5 (25:03):
No, I don't know what that means. So when you
say three thousand, is that up or down?
Speaker 18 (25:08):
I think that's up, but it's not horrible.
Speaker 2 (25:11):
So what I was getting to is having a little
over one thousand under contract, we've got a little under
three months inventory, which really puts us kind of in
a balanced position. It's not you know, super strong swing
either direction.
Speaker 5 (25:25):
What about on the negotiating side, do you notice sellers
giving in more or buyers giving in more?
Speaker 2 (25:31):
Right now, I'm seeing some negotiation on both sides. I
think that values are still at a reasonably strong point.
Speaker 5 (25:39):
So is it a balanced market you're saying for buyer sellers?
Speaker 18 (25:41):
Yeah, our inventory indicates that.
Speaker 2 (25:44):
But also the ability of a buyer and seller to
kind of negotiate a win win for each of them.
That really does kind of keep us in that position.
I am seeing, you know, buyers negotiate some seller concessions things.
Of course, they can utilize that to buy down interest rates,
pay hosing costs, you know, depending on the loan type,
in what that all looks like. But really it's really
an opportunity time in our market.
Speaker 5 (26:05):
Christine is on the phone, Christine, while we're talking to Stephanie.
Thomas chimes in, here, go ahead, Christine, what are you
going to tell us here?
Speaker 8 (26:15):
Well?
Speaker 5 (26:15):
I just think she's wonderful.
Speaker 19 (26:18):
I had my house on the market for nine months, one.
Speaker 8 (26:23):
Offer that was so low it was ridiculous.
Speaker 18 (26:27):
When my contract expired, I gave it to Stephanie, and I'm.
Speaker 19 (26:31):
Pretty sure in twenty three days we may have a
solid offer.
Speaker 5 (26:36):
So kudos to Stephanie. Christine, thanks for calling. We really
appreciate it. That's a genuine call from Christine. Talking about
Stephanie Thomas. Do you find a.
Speaker 10 (26:46):
Lot of She said that her other broker, it was
their and then the contract finally expired. How long do
you think that contract was?
Speaker 13 (26:53):
Do you remember?
Speaker 18 (26:54):
She said? They worked together for about nine months.
Speaker 10 (26:57):
Yeah, and they just wouldn't let her out after not
performing at all, didn't.
Speaker 5 (27:02):
I I cannot stand a real estate broker or agent
that won't let someone out of a contract. Why hold
someone hostage? I have never driven. I can't stand them.
By the way, here's a text that came in. By
the way, you can text me and I got to
remind you of this. I keep forgetting, but this comes
to my personal cell phone. Twenty four to seven. You,
(27:23):
honest to god, can text me at any time. Seven
four seven nine nine nine fifty two eighty. You can
text me if you need consumer help and we'll get
you on the show too. Seven four seven nine nine
nine fifty two eighty. It said I had an AU
all in one loan underwritten by CMG. It was awesome.
(27:45):
Most people can't wrap their heads around it. John, Do
you find that's the biggest barrier to entry.
Speaker 17 (27:55):
I do, because we've been uh, people have been just
fixated on what's my race, what's my thirty year mortgage,
and what's my rate, And they don't realize with a
thirty year mortgage, no matter what your rate is, you're
paying you're paying mostly interest for the first twelve years.
Here you pay principal first only loan. But yes, they
(28:16):
have to wrap their head around does it really work?
And it because it is.
Speaker 10 (28:20):
It is math and that offset though a lot of people.
You got to take that into a true calculation.
Speaker 17 (28:26):
You do, and the way it off sets and the
way it pays. It's the only loan that pays principal first. Well,
all the other loans is you're you're almost it used
to be. You're probably paying you know, a third of
your house costs in interest to the bank before you
start paying principal down.
Speaker 13 (28:44):
And this is the opposite.
Speaker 5 (28:46):
It's Partner in Lending dot Com now Frank drand the
real estate man right after this, I want to know
what the hell is happening in the Denver area. Plus,
we'll take your calls. Three oh three Martino three O
three six two seven eight four sixty six Denver Region.
Mark's been losing weight like crazy. They also do treatment
for peripheral neuropathy through stem cells. I've used him for
(29:08):
back pain. They are wonderful people with effective treatment. Denverregen
dot com. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation.
(29:32):
In comparison, call Compass Insurance pain too much your coverage
at dozens of insurance companies find out now three O
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three three nine two zero sixteen twenty two. Hi Tom
(29:52):
Martino here, Welcome, please to the show. Welcome, please to
the show. Frank Duran, the real estate Man. He's a
great guy. Frank in a word, Denver real estate market,
Denver and beyond, from Castle Rock to up North. Tell
me what's going on?
Speaker 20 (30:08):
One word correction, but I'd say I'd add another word
soft correction, Tom, because I'll tell you what Perilter dot Com,
forty percent of sellers opted to d list and wait
for a better market. So, unlike the bubble in two
thousand and eight, today's shift does not resemble mass panic.
Speaker 5 (30:23):
I don't think sellers are panicking.
Speaker 20 (30:24):
In fact, recent Denver rates delinquency is at one point
seven percent compared to twenty ten, which is eleven point
five percent. So definitely, I think we're seeing a soft correction,
but no reason to panic at all. In fact, I
think many sellers, if they can't get the price, many
of them are pulled them off the market.
Speaker 5 (30:40):
Is it a seller's market or a buyer's market?
Speaker 20 (30:42):
I would say more of a balance market, tom, because
right now inventory is a little over fourteen thousand homes,
which is the most we've seen since twenty eleven. Back
in two thousand and eight, we were a little over
twenty six thousand homes active on the market, so that
was a true buyer's market.
Speaker 5 (30:55):
We're here's more balanced, I believe. I want to know
net influx or exodus on the state. Do you guys know,
are we getting more people in and are moving out?
Or move people moving out?
Speaker 20 (31:05):
I'd say we have less people moving in. Statistically, than
we've seen in the last so many years. But you know,
you know how that goes. Tom's that's a moving target
to get it, and there's a pun there. It's a
moving target from people moving.
Speaker 5 (31:19):
In or moving out. But Frank Day's days on market
compared to last year, Yeah, so days on market are
definitely up.
Speaker 20 (31:27):
In fact, we're sitting around average around thirty seven days
in MLS, and for attached properties that's gone up to
fifty five days in MLS. So the attached properties like
your condos and town homes. But I'll say this, Tom,
the million dollar plus market has been really rough. If
last I checked, the inventory is I think over fourteen
months of inventory in certain price segments over two millions.
Speaker 5 (31:48):
So that's gonna stay. Overpaid.
Speaker 10 (31:49):
Oh my gosh, there's a lot of homes that are
over a million bucks. If you looked at ten years ago,
they're half a million dollars mark.
Speaker 5 (31:57):
They they either mark they either overpaid aid or the
homes over appreciated. I mean, how many times has this
happened to us over the years, Where I'm sitting in
a home that is what they say it's worth, I
would never pay and I'm living in it. You know,
think about that one. I mean, I know that happens
(32:18):
to a lot of people, and so they move into
a home. It's not worth in their minds what the
market says it's worth, but when they go to sell,
they want every penny of that market. And sometimes, Frank,
here's what I want to know, Frank or Stephanie. Are
we going to get a correction and prices. I've not
(32:41):
seen a correction and prices so much. Will values come
down at all? You know?
Speaker 20 (32:48):
Tom, here's what's going to happen. I believe right now
prices have remained strong. But here's the deal. With more
inventory hitting the market, I think that will follow suit
at some point and we may see prices soppen a
little bit. I don't see the market tank and whatsoever though,
and reason being is a lot of sellers versus two
thousand and eight have more.
Speaker 5 (33:06):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
(33:28):
when you choose Frank durand the real Estate Man dot
Com to list your home with Remax Alliance three oh three,
nine two zero sixteen twenty two.
Speaker 1 (33:41):
Rip News need so you don't have.
Speaker 3 (33:48):
Come runs as fast.
Speaker 4 (33:50):
As you can.
Speaker 1 (33:52):
Shooter's gonna help.
Speaker 8 (33:53):
Come, man.
Speaker 4 (33:55):
This is the Troubleshooter Show. No Tom Martinez.
Speaker 5 (34:00):
Hey, I am Tom Martino, and welcome to the show.
Forty five years in Denver, solving your problems, talking to
hundreds of thousands of consumers with issues, and for the
last several several years, I have Major Mark Major with me.
I got Sus the executive producer behind the behind the
(34:24):
team which is on the air and also helping us.
And then I have great experts. God, I love my experts.
Frank durand the real Estate Man dot Com a dear
friend of mine thirty years or more in the biz.
I got Stephanie Thomas from Colorado Springs area, Pikes Peak area,
(34:46):
and she's doing a great job down there. I have
John Clace. I had known John and his brother, his brothers,
his dad, the family for years and years and John
is with CMG mortgage or CMG financial partner in lending
dot com. And then I've gotten to know this young woman. Uh,
(35:08):
she is such an expert and a godsend to the
solar industry because I'll tell you why there are so
many clowns in the solar industry. You know, Brooke, I
don't think people know that when someone sells you a
solar system, they're usually not in the solar business. They
(35:31):
just sell the contract and move on, and then someone
else comes to install it. Isn't that right, Brooke?
Speaker 21 (35:40):
That's one hundred correct.
Speaker 5 (35:42):
Yeah, And then the people who install it, if you
have a problem or something, you can't even call that
back because now no, I mean you're left out in
limbo most of the time. In fact, many of your
calls you help people who've had systems put in by
other people because you're a full service company. Now there's
(36:04):
a reason I'm going here with Brook. I need her
as an expert for something. But Brooke not only has
the team to sell the systems, they have the teams
to install it, the teams to service it, and everything
in between. Brooke is now going her emphasis is from
solar residential to commercial. And the reason we talked about
(36:28):
is that there is so much potential and so many
government giveaways in a good way. And for greenees who
love the idea of battling climate change and helping the environment,
there's nothing better than having a business go solar. Or
if you're just a greedy person who wants to save
(36:49):
money and make money, you can do that with a
commercial system. She's got commercial systems that have been paid
for one hundred percent. Imagine having come and do a
system and you never have to outlay any cash. Not
only that, if you had a strip Mall Brooke, you
can have a landlord making money on a solar system
(37:11):
that's paid for one hundred percent, but have tenants pay
him for electricity and he pockets the money.
Speaker 8 (37:19):
Is that right, Yeah, that's correct.
Speaker 21 (37:21):
They would become the utility company, so I would just
increase their bottom dollar.
Speaker 5 (37:27):
Now let's see what Paul has to say again, brook
is on as our expert. I just wanted to lay
some foundation for redrosars dot com. And I'm still talking
to her. By the way, you've about tax credits, I
am I have one intention of buying commercial tax credits.
I've that the hardest thing in the world is to
(37:49):
get a damn attorney to review a solar credit contract. Brook,
hardly any of them know. Once I find one, though,
we can use it as a rubber stamp for your future,
because these guys are rare to come by. But I'm
gonna I'm trying to get someone. If anybody knows attorneys
that are familiar with solar credits and tax credits and
maybe a good tax attorney I should get. Maybe That's
(38:11):
what I'll do, So Brooke, without further ado, let's bring
up Paul. Paul, welcome to the show. You're on with
Tom Martino and Mark Major. What's going on?
Speaker 22 (38:25):
First of all, good morning, Tom, thank you for taking
our call.
Speaker 16 (38:29):
And I'm a big fan.
Speaker 5 (38:31):
Thank you. My wife is here and she wanted to
spearhead this conversation. All right, what's your wife's name, Paul Erica? Erica,
go ahead, I'm listening to you.
Speaker 22 (38:45):
Hi, Tom. I am absolutely the grainy you're talking about.
When we first went and got a house right before
the pandemic, great timing, and I always wanted to put
solar on it and get renewable energy established for our home.
Speaker 23 (39:00):
That we kind of we went and.
Speaker 22 (39:01):
Did nine different bids for nine different companies and ended
up choosing smart Wave Solar.
Speaker 5 (39:09):
And so did you buy it or lease it?
Speaker 22 (39:12):
We bought it, well, so we finance.
Speaker 3 (39:17):
Yeah, we have a loan, so.
Speaker 5 (39:18):
We bought it again, I understand. Is it called and
the company was smart Waves.
Speaker 22 (39:24):
Yes, smart Waves Solar. God originally you want to think?
And then yeah, kind of expanded to Colorado.
Speaker 5 (39:32):
And when did you buy this? When did you buy it?
Speaker 22 (39:34):
By the way, twenty eighteen?
Speaker 5 (39:38):
Oh okay, okay, I'll to check my agreement.
Speaker 16 (39:42):
Sorry, we bought it in twenty eighteen.
Speaker 5 (39:44):
That house a solar team.
Speaker 7 (39:46):
Uh oh, twenty two.
Speaker 22 (39:48):
I'm so sorry, I am all of it.
Speaker 5 (39:50):
That's okay, okay, so keep going. Then, so then what happened?
Speaker 22 (39:54):
We bought it in twenty twenty two and it was
the whole insulation and was I mean just chock full
of fun experiences. They delivered the materials, all of the
modules from the distributor to our home, but outside of
our home on like this bike path that goes outside
of our home, and one of our neighbors thought it
(40:16):
was free.
Speaker 5 (40:16):
And so then said Erica, Erica, I am sure that
you have a litany of problems in history that is
reads like a comedy now, no, no, no, no, I'm
just saying I might want to hear some of this
stuff to fill in the blanks, but for now I
want to ask you, have you ever had this system
up and operating since twenty two?
Speaker 22 (40:38):
Absolutely? Yep, it's been up and operating. And then I
actually decided to get into the solar industry myself, so
I decided to work for a solar company. I then
was scheduling all of the crews to go and install
all of the systems, and then I transitioned to a
new role in the service department where I schedule our
service technicians to go back and to fix all of
(40:58):
the systems. So that kind of got me thinking about
my own system, and I checked in on my monitoring
portal to see how it was doing, and I saw
it was clipping, which is the act of it not
being able to produce more than so, the DC that's
coming in my AC was clipping it because my AC,
my inverter that's on the side of my house, doesn't
have the capacity to.
Speaker 5 (41:19):
Now did you have did you have your team check
out your system?
Speaker 21 (41:25):
I did have my team.
Speaker 22 (41:26):
They happened to be close by on a service call.
And I had them just kind of come and take
a look at the inverter.
Speaker 5 (41:31):
Yet what did they say about it?
Speaker 22 (41:34):
So I actually before I even had my team come out,
I went outside myself and looked at my system. And
it turns out that they installed a seven killo inverter.
They sold me a nine point six kilowat system, and
then after reviewing the designs during the sales process, they
had to resubmit to a Rapahoe County because they didn't
(41:54):
include the setbacks requirement and so in order to they
have to move panels that were or really good spots
for production, they had to move them away from the spot,
so they added TODE.
Speaker 5 (42:04):
All right, So bottom line is this, Here's what I
need to ask because I want to get to the meet.
They installed a smaller system than as written in your contract,
A smaller inverter inverter.
Speaker 22 (42:16):
Yeah, so we still have nine point I want.
Speaker 5 (42:18):
To ask Brooks something broke. What would a smaller inverter do?
She was talking about a nine the nine kilowatt versus
a seven kilowatt. Can you explain that to us? Yeah?
Speaker 21 (42:31):
Absolutely so every system typically you usually have a smaller
inverter than you have as a system size for your panels.
So it's kind of complicated because it's got a lot
of engineering. But let me kind of give you a generics. Yeah,
if you have a ton killowat inverter, it can handle
(42:52):
up to a fourteen kilowatt solar system. So that solar
system is going to send it power in DC and
it can convert it to and it can handle that.
Here's your issue. You don't ever want to put a machine,
any kind of machine, to its limit all day, every day.
So when she's saying that the inverter is not working
(43:12):
the way it should be, that's because you're stressing out
a piece of equipment to the point where it's going
to break and deteriorate and stop working as fast.
Speaker 5 (43:20):
Right, So.
Speaker 21 (43:22):
Usually what I do in the same example is if
I was doing a ten kilowat inverter, I would keep
it at twelve kilowatts for the solar system because then
it's a little bit undersized, which makes sense for science,
but it's not to the point where it's stressing out
my inverter too much.
Speaker 6 (43:40):
Does that make sense?
Speaker 5 (43:41):
Okay, yes, it does, absolute complete sense. Now I want
her to keep going to see where we're going with this, Erica,
So what is the situation you're calling about? What tipped?
What tipped this thing over?
Speaker 22 (43:56):
It's the fact that so it's clipping. And then I
looked at my dog.
Speaker 5 (44:00):
What does clipping? What does clipping mean?
Speaker 6 (44:04):
Brook?
Speaker 22 (44:04):
You want to take that one, Brooke, Yeah, of course.
Speaker 21 (44:07):
So what clipping means is on the rooftop, your solar
panels are producing let's say one hundred kilo a lot
hours of power. Well, if your inverter is too small,
then it can only handle let's say eighty kilo lots
of power. So even though your solar system can produce
one hundred, you're only actually making eighty because the equipment's just.
Speaker 16 (44:27):
Not big enough.
Speaker 5 (44:29):
Now, what would be wrong with just Erica, I'm asking
you this, Erica and Paul, what would be Tell me
what would be wrong with just buying another inverter, having
red rocks put another inverter on it? I mean, it's
been we have.
Speaker 22 (44:44):
To go through the full permitting process as well as
a redesign. We'd have to and then all is that true?
Speaker 5 (44:50):
Brooke? Is it hard to just change the inverter?
Speaker 21 (44:58):
Any time you make any you definitely are supposed to
get everything permitted appropriately, but thenching out an inverter. It's
kind of about the Eatro owner and how they would
want to handle it.
Speaker 5 (45:11):
But what I hear what you're saying. What you're saying is,
come on, you can switch out the inverter and call
it maintenance for God's sakes. I mean, you can make
this more difficult. But how much would it cost? Do
you think broke to switch out an inverter to the
proper size? Just roughly?
Speaker 21 (45:32):
Erica, can you tell me what brand it is?
Speaker 22 (45:35):
So it's an SMA sunny Boy, it's a seven point zero.
They redesigned it for a seven point seven. They installed
the wrong size inverter and my bus bar on my
service so my actual electrical panel, it can't have a
larger inverter on it.
Speaker 5 (45:50):
I know Brooke will figure that out. We just needed
to know the manufacturer go ahead.
Speaker 21 (45:55):
Yeah, but that's that's very important information, Erica. We are
we're a little bit two tech to go for what
condact and for so simply saying her electical box can't
handle a bigger inverter. So the solar system cheaped out,
the installer cheaped out on putting together the right inverter
size because they also needed to upgrade the main panel
(46:16):
then for it.
Speaker 5 (46:17):
Okay, So are you saying this can't be upgraded properly
because of her panel? Would her panel have to be
changed out?
Speaker 21 (46:24):
You'd have to swap out the panel, which would definitely
require a permit. But you could still just switch out
the inverter if you want to do up to the
homeowner again, But if.
Speaker 5 (46:33):
You switched out just the inverter, if you switched out
just the inverter, would it overtax her panel?
Speaker 21 (46:40):
It would be a fire hazard. It would be.
Speaker 5 (46:42):
Again Okay, then to do Listen, here's what I'm asking.
It's a very simple question. Since they screwed up in
the beginning to make this right, how much are they
looking at Erica? Have you priced that out? You say
you're in the solar business. How much will it cost
to correct your system? Don't say you got to tear
it all off and start over, because you don't.
Speaker 3 (47:03):
No, no, we.
Speaker 11 (47:04):
Wouldn't have to do that.
Speaker 22 (47:06):
So an average cost for a service change is around
like five thousand dollars, and then for the cost of
a different inverter, it would probably be another like three
to five grands.
Speaker 5 (47:16):
So so we're talking about ten a little under ten grand,
and is the original company responsible? In your opinion, Brook,
what on.
Speaker 21 (47:28):
The permit documents did they lift a seven point seven.
Speaker 8 (47:31):
Or a seven on?
Speaker 21 (47:32):
What got stand by a Rapaole County?
Speaker 22 (47:34):
Erica was the update so when they had to revise
it for the setbacks, they revised it to a seven.
Speaker 21 (47:40):
Point seven right there, right there, It tells you company,
I'm sorry that the install company messed up and it's
their fault.
Speaker 5 (47:49):
So listen, Erica, you know, how do they feel about
paying for the we got to take this break. I
need to know why they're just not stepping up. Hold on,
I'm Tom Martino. See things like this suck when people
don't stand up. More about that coming up. Go with
(48:15):
a sure thing Denver's best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for
an insurance checkup free, no obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven seven to
one help. You'll think you're his only customer when you
(48:37):
choose Frank durand the Real Estate Man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino your troubleshooter
three oh three seven one three eight two five five.
Eric and Paul had a solar system installed in twenty
(49:01):
twenty two. Basically it wasn't installed according to contract and
it was installed incorrectly. For the house to correct the
deficiencies will cost around ten grand or a little under.
So what should they do? Well? I need to ask
Paul and Erica a very simple question. Did you ask
(49:25):
the original company to make this right?
Speaker 10 (49:29):
We did?
Speaker 5 (49:29):
We did? And what was their response?
Speaker 22 (49:34):
But they would give us another three kill a lot
inverter that they were going to add a three kill
a lot invert to our system to bring it up
to a ten kill a lot.
Speaker 5 (49:43):
But would that overtax the I'm going to ask brook
now Brooke White with Red Rocks Roof Andsolar Redrocks rs
dot com. Brooke, would that overtax their box? If they
did that, I would assume yes. So no, no matter
what now, but that would be a solution if the
(50:03):
service was upgraded. Is that correct?
Speaker 22 (50:07):
That's correct? And in the proposal when we were originally
signing the contract. They actually made a note that service
upgrades for free where there was no cost for that.
Speaker 5 (50:20):
Well, I doubt that that's a five thousand dollars issue there,
I mean, right now, on this listen, here's what I'm thinking.
Here's what I'm thinking. I would go to small claims
court for seventy five hundred dollars the max. I don't
see how they I don't see how you lose. You
have an expert like Brooke, you have for an Affidavid,
(50:44):
you have have her inspected, give you a price from
an expert. You have your own company who can do
that as well. So you have two experts going in
saying it's going to take ten grand to fix or
sex just me at least seventy five hundred to fix
the But that's all you're asking because of the small
claim limit.
Speaker 10 (51:03):
Uh, maybe every thought all over, Maybe just to call
from us will nudge them in the correct way.
Speaker 5 (51:10):
And of course we're of course we're willing to do
that as well. So who should we have handled this
Mark to just call over there.
Speaker 10 (51:19):
Let's have Kelly call over there and see if they
want to come on air and explain why the contract
says one thing and they didn't deliver it. And the
way they're proposing to fix it's going to overtax the system.
Speaker 5 (51:31):
And let's just give them the opportunity. That's a good summation.
That's a good summation. And they really basically you're good
at summarizing. There's they really should have you know knownness
going in, right, Brooke. I mean, when you go to
(51:51):
a house and you know the system may overtax the panel,
do you tell them, Hey, as part of the cost
you have to upgrade the panel, and is that included
in part of the money they get tax credits for.
Speaker 21 (52:07):
Yes, yep, all of that. So in order to get
anything past a permit or approval with the city, to
get you connected with the utility company, it all has
to be permitted that way based on photos of what's there.
And the engineer says, this system is going to do
X and we need to upgrade it. So it's very
black and white if they need it or not.
Speaker 10 (52:28):
Hey, another question, did you finance this thing? Is it
on a lease? We have a loan, so a loan
through what though?
Speaker 5 (52:37):
Who is it? Who's the loan through?
Speaker 22 (52:39):
Financial?
Speaker 5 (52:41):
I missed that Sunlight financial? So through Sunlight Brooke, let
me ask you this.
Speaker 10 (52:47):
If Sunlight financed a ten K system and it's not,
are they going to have an issue with the installer?
Speaker 21 (52:57):
The financial company will not care?
Speaker 5 (53:00):
Okay, all right, let's let's we're gonna hold on. We're
gonna call over there and I think we can cut Brooke,
cut her off right now and then have her back
if we need our red rocks RS dot Com three
oh three seven zero war two four for nine Brook.
As always, we thank you immensely for this. And let's
(53:23):
go to Jim and we're gonna do that right after
these important messages. But Jim has a question on uh
a ct io citation? What is that? Dimitri? And how'd
you get involved?
Speaker 9 (53:40):
So I'm not involved in it yet, but I'm familiar
with that acronym because we've had a couple of calls
like that.
Speaker 5 (53:45):
What is this?
Speaker 9 (53:45):
It's the same kind of ticket you probably are familiar with,
which is across the when you're in the toll lane
of getting in or out, across the double yellows yes. However,
you know a couple of months ago we had John
Bolan on the show. Mark interviewed him. He's the lawyer
that defeated one of those tickets. He's in Greenwood Village.
He defeated the ticket, and he at the time was
(54:07):
considering putting together a class action lawsuit against the tolling authority.
Speaker 13 (54:12):
So depending on.
Speaker 9 (54:13):
What our caller has to say, it might be good
to get mister Bullen on the phone too.
Speaker 5 (54:17):
All right, so we have more on that coming up.
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(54:40):
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(55:02):
seven to one. Help you'll think you're his only customer
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com to list your home With Remax alliance three oh
three nine two zero sixteen twenty. Two, Hey I'm Tom.
Martine you're a. Troubleshooter three oh three seven one three
(55:24):
talks seven one three eight two five. Five jim wants
to talk about A ctio citation which was pointed. Out
it's one of those tickets you get for crossing over
the line in an express. Lane once you, enter you
must stay in it until you get a broken line to.
(55:44):
Exit they have a way to do it with cams
that they say is, foolproof and it doesn't matter if
you're just coasting half and. HALF i, mean they're really
strict about. These they did a lot of warning tickets.
Beforehand this is only a, warning but it was going
to go into. Effect blah blah. BLAH i did get,
(56:05):
ONE i. Did what really puzzles?
Speaker 3 (56:08):
Me?
Speaker 5 (56:09):
One only one on the on the? Cross, well how
many did you guys want? Get we haven't bothered you
with With oh, See mark And sue's have my our
corporate address and uh and and it goes there from?
Corporation is this where my cars? Registered and the double line? Thing,
though here's WHAT i don't. UNDERSTAND i have the windshield
(56:33):
transponder THAT i can switch from toll to H ov
AND i always have it, on SO i should just
be TOLD i don't understand why they. Care oh, OH
i know what they're. Thinking THAT i dodged the reader
of the. Toll that's what it. Was, Okay So jim
tell us your. Story all?
Speaker 8 (56:55):
Right, well, okay LIKE i said last.
Speaker 5 (56:57):
Time what do you mean last? Time hold? On hold?
On what do you mean last? Time? Bro did you
call in? Before?
Speaker 8 (57:04):
YEAH i called In monday and try to talk to
you about? It about?
Speaker 5 (57:07):
It, oh, okay let's go back to that. CALL i
MEAN i and so what did you tell us On? Monday,
WELL i mean.
Speaker 12 (57:14):
We were coming home from a gen day road trip
and when we got Past. Peoria i'll abide by their,
rules but the rules are.
Speaker 8 (57:24):
Stupid they only have two places you can enter that.
Speaker 5 (57:27):
Ship OH i remember?
Speaker 3 (57:28):
This?
Speaker 5 (57:29):
Yes and you said are you sure that it would have?
BEEN i got it right? Here And mark, said why DID?
I why Did mark take this? ON i have notes
here That mark was going to make a, call got
a ticket for illegal lane change and express lane on
A saturday right near the end of the, lane and he, says, look,
(57:49):
there are you sure there was no way to exit
where you wanted to.
Speaker 12 (57:54):
Exit so, no because what was happened in that? Night,
well first, OFF i, ENTERED i entered across the single
white line over right there by two twenty, five, okay
AND i got starting was all.
Speaker 8 (58:08):
Bat sep at seven o'clock at, night And i'm Not
i'm on my way home from a long. Trip look,
right it's just.
Speaker 10 (58:14):
There you can fight, this but you got to listen to,
me and you will win. It whether or not it's
worth your time doesn't.
Speaker 5 (58:20):
Matter go, Ahead, mark why do you say he'll win? It?
Speaker 10 (58:23):
Mark hold? ON i got to ask him a few.
QUESTIONS i don't remember this, call nor DID i say
i'd take it. On but it Doesn't none of that.
Matters did you end up getting charged for a toll
on your? Account that's a very yes or no. Answer,
no then you owe the. Money can't say anything else about? It, Now,
mark why do you say?
Speaker 5 (58:41):
That tell? Us the different.
Speaker 10 (58:42):
Different stare that enter in the proper way wherever it,
is they enter in the proper, way they get, hit
and they end up paying the license plate toll or
the responder.
Speaker 5 (58:53):
Toll you follow me so? Far? Yes like? You if
they enter and exit if they enter an exit proper,
way then it's no big. Deal.
Speaker 10 (59:02):
No but if you enter the proper way and then
you exit by going past the double, line so you
actually cross, it you will get that seventy five dollars
ticket for crossing the double.
Speaker 5 (59:15):
Line double. Lines the problem.
Speaker 8 (59:17):
DONE i never crossed the double.
Speaker 5 (59:20):
Line, well then just look at the. Picture. Man i've
Seen tom's car across it a million. Times SO i Sent.
MARK i want TO i Want mark to. CONTINUE i
Want mark to continue on this line of thought before
we interrupt. Him you, say if you enter the proper
way but exit the wrong, way, yes you you will
get a.
Speaker 10 (59:39):
Tick you'll get a, ticket and they're gonna SITE crs
forty three dash four.
Speaker 5 (59:44):
Dash eight oh.
Speaker 10 (59:45):
Eight what that is made, for, okay is toll. Evasion
you did not evade the toll because you paid, It
unlike this. Guy if you actually went in, properly they
charge you for the toll and you, exited they need
a DIFFERENT. Crs there's no doubt about. It we had
(01:00:05):
an attorney come on that fought it all the way
up To Douglas. County that's as far as he could take,
it and the judge sided with. Him they cannot give
him a toll evasion ticket because he paid, it simple as.
Speaker 5 (01:00:20):
That but it didn't change. Anything so if.
Speaker 10 (01:00:24):
That is the case with anybody out there, listening if
you want to go through the proper procedures and there's
a lot of timeframes you got to, follow then you
will fight it and you will win on, precedent but
it's gonna cost you a lot of.
Speaker 5 (01:00:38):
Money the guy that actually cooks wasn't an. Atturney why
will it cost a lot of? Money will he have
to go to? Court? Mark? Mark will he have to
go to? Court or can't he just say as previous
because the judge actually said this is just for, you for,
You what were you going to, Say, demitri you had
(01:00:59):
something to.
Speaker 9 (01:00:59):
SAY i. LOOKED i looked At john's ticket and the.
CAR i assume That's john's. Car it is not crossing
the double yellows in that. Photograph it is traveling in
the express. Lane is that, Right?
Speaker 16 (01:01:12):
John?
Speaker 8 (01:01:12):
Jim, yeah that's exactly.
Speaker 5 (01:01:14):
Right well he Probably what does that? Mean tell me
what that? Means did they have to show the exact?
Infraction tell me what it? Means, oh wait time, Too.
Speaker 9 (01:01:26):
Jim you didn't you actually get.
Speaker 5 (01:01:28):
Ticket, yeah what did you actually get?
Speaker 9 (01:01:30):
Tickets what is your defense to that?
Speaker 12 (01:01:31):
Charge, okay my defense was AND i had this one other,
time BUT i was able to settle it through THE
e four seventy. People, so LIKE i was trying to,
SAY i crossed that single line at the two twenty,
five uh wrap right there because the traffic was so backed,
(01:01:52):
up and it.
Speaker 5 (01:01:53):
Was some, Excuse but you didn't pay the.
Speaker 8 (01:01:55):
TOLL i went through this one other time, before.
Speaker 5 (01:01:58):
But she didn't pay the.
Speaker 12 (01:01:59):
Toll other PEOPLE'S d four seventy people took care of
it because.
Speaker 8 (01:02:04):
They knew there was an accident and all kinds of, cards.
Speaker 5 (01:02:06):
None none of that.
Speaker 10 (01:02:07):
Matters though you didn't pay the. Toll that's why you
have to pay the.
Speaker 5 (01:02:11):
Ticket and if.
Speaker 8 (01:02:13):
They're only giving you two, options, mark what the hell
are AM i supposed to? DO i tried to do
the BEST i.
Speaker 5 (01:02:19):
Can what are the two?
Speaker 10 (01:02:20):
Options wait in traffic or get into the express lane right?
Speaker 8 (01:02:24):
Right why WOULD?
Speaker 10 (01:02:25):
I then they send you hold on, man you're you're
you're making little sense because even if you don't have
a transponder and you get into, there they take a
picture of your license and send you a.
Speaker 5 (01:02:37):
Bill then you pay the.
Speaker 10 (01:02:39):
Bill they don't give you a seventy five dollars ticket
at that point they. Do if you don't pay the,
bill then you're avoiding the.
Speaker 8 (01:02:46):
Toll so why why Did? Mark you tell? Me why
is it WHEN i went to the same incident here?
Over the winner se e.
Speaker 10 (01:02:57):
Four seventy will work with you occasionally if it's your first.
Speaker 12 (01:03:02):
Problem, well oct see this ain't going.
Speaker 10 (01:03:06):
Nowhere, well my, god you you literally you USED i don't.
Speaker 3 (01:03:12):
Know i'm.
Speaker 5 (01:03:13):
SPEECHLESS i don't know what else to. Say you're the
Exact standmark is simply saying you never. Paid it would
have been different had you paid the. Toll it's working
exactly the way it's supposed to work with.
Speaker 16 (01:03:24):
You.
Speaker 8 (01:03:24):
Man so if traffic is having As.
Speaker 10 (01:03:29):
Stanzi like four seventy a, round what is comment on
the back every?
Speaker 5 (01:03:34):
Day let's bring up a comment FROM JR jr from the.
Road he's he listens all the, time he's driving around
all the. Time go, AHEAD.
Speaker 19 (01:03:42):
Jr Hey, tom what are you talking about when he's
going DOWN i seventy there's a solid line and a broken.
LINE i think you And mark video.
Speaker 3 (01:03:50):
Of that of that.
Speaker 5 (01:03:51):
Part so what's your point? Therefore what therefore what you can.
Speaker 8 (01:03:56):
Only text the.
Speaker 19 (01:03:59):
Atov lane in that broken and folid. Line But.
Speaker 10 (01:04:04):
Jr this guy didn't get a ticket for crossing a double.
Speaker 5 (01:04:07):
Line he got a ticket for toll.
Speaker 10 (01:04:09):
Evasion he got in the express lane and never, paid
therefore he owes the.
Speaker 19 (01:04:16):
Money, Hey, mark he went across the falid line where
the broken.
Speaker 5 (01:04:21):
Doesn't my goodness, Matter. Jr do you understand he didn't
get a ticket for. That he got a ticket for
not paying the toll and he never paid the. Tolls
so what is your? Point it has nothing to do with.
Speaker 19 (01:04:32):
This you keep on getting calls on, that on that total, evasion.
Speaker 5 (01:04:37):
Yep but this.
Speaker 19 (01:04:38):
One people are saying that they're they're entering and exiting
in certain, Spots.
Speaker 10 (01:04:43):
But this one was toll evasion and those people are
literally paying the.
Speaker 5 (01:04:48):
TICKET i don't even know what to do, here, MAN
i mean it's like. That i'm telling, you this was totll.
Evasion As Mark aptley brought, out it wasn't for the lane.
Change it the they cited the right law in this.
Case here had they cited the toll evasion for crossing the,
lanes it would have been.
Speaker 10 (01:05:08):
Different here's what happens if you don't have a. Transponder
they know who the car's registered. To so you get
in an express. LANE i don't care if it's ON
i seventy OR c four seven OR e four. SEVENTY
i don't care where it. Is when you go, through
it takes a picture of your license plate and then
sends it to. You if you don't pay, it then
(01:05:29):
it assesses a fine and then they'll track you down and,
eventually if you don't pay, it you can't renew your.
Speaker 5 (01:05:36):
License right, Answer, okay, sorry we can't help. Brother That's
jim And. Jr. Again the thing that the attorney won
on was that they cited toll evasion when he had
(01:05:56):
actually paid the, toll.
Speaker 10 (01:05:59):
And the judge side with, them, saying you're, Right THIS
crc makes no sense. Here what they really need to
do is come up with a new. One but the
issue is no one fights it that, far so why do?
Speaker 5 (01:06:10):
It, okay we got to take this, break And I'm
Tom martino because you got to hear From Joe. Lazera
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Call Compass. Insurance pay too much your coverage at dozens
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oh three nine two zero sixteen twenty. Two, Hi I'm Tom,
(01:06:54):
martino your troubleshooter three all three seven to one three
talk seven one three eight two five. Five, so, uh
we Have meredith who wants to give some kudos to
our real estate person in, Today Stephanie. Thomas Stephanie thomas
stephaniear dot com is such a wonderful. PERSON i, MEAN
(01:07:18):
i mean truly as a. Person you'll know that she's
With Coldwell Banker realty And Kyler Rose. Springs so go,
Ahead what did you want to? Say? Meredith you know, What.
Speaker 7 (01:07:28):
Tom i've listened to your show SINCE i was a,
kid AND i want to give you a thirty year shout.
Speaker 15 (01:07:33):
Out.
Speaker 7 (01:07:34):
Good we're the only one to help my parents when
they had movers that they stole our, gun they stole our,
vacuum they stole numerous, boxes and you put pressure on
the company because they didn't want to do anything about
the movers stealing our.
Speaker 5 (01:07:49):
Stuff, wow thank you so. Much thank. You.
Speaker 7 (01:07:53):
Yeah SO i wanted to tell you thank, you AND
i let everybody know about that story when BECAUSE i
work With, Stephanie i'm a more, broker AND i let
everybody know about that story when they're choosing their moving.
Speaker 5 (01:08:05):
Company oh wow. Cool so what About. Stephanie what do
you have to tell about.
Speaker 7 (01:08:11):
It i've Known stephanie for about fifteen, years and she
And i've worked together very closely for the last. TEN
i am ecstatic that she is a professional on your,
show because she. Is she's a constant. Professional she is so.
KNOWLEDGEABLE i love the way she reads the. CONTRACTS i
love the way that she protects her. Client you, know
(01:08:31):
whether it's the buyer the, seller she's protecting their client than.
You she puts so much into the transaction that she
really tries to go at it as a win win
kind of so nobody feels like they're slighted in. It
And i've had agents In Cardo springs where they've accepted
(01:08:53):
the contract because they knew That stephanie was on the
other side of.
Speaker 5 (01:08:56):
It, meredith thank, you we got to. RUN i appreciate. That,
also OH, cmg people are asking for. Contact It's parder
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(01:09:21):
free no obligation comparison Call Compass insurance paying too much
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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 your home With
Remax alliance three oh three nine two zero sixteen twenty.
Speaker 3 (01:09:39):
Two ripped up.
Speaker 1 (01:09:48):
You need so you don't have.
Speaker 3 (01:09:53):
Come runs as we.
Speaker 1 (01:09:55):
Can shoot's gonna help come.
Speaker 4 (01:09:59):
Man this is The Troubleshooter. Show No Tom.
Speaker 5 (01:10:04):
Martine, Hey I'm Tom, martino AND i welcome you to
the only show anywhere if it's kind the longest running
radio show on the air with the same host and
joined for several years With Major Mark Major and here's the.
Deal what we want to do is help. You sometimes
(01:10:25):
helping you is telling you what to do, next where to,
go or sometimes we get directly. Involved sometimes we don't
think you have a. Problem and so let's get by the,
way let's just Get, ali who was kind enough to
come on the air about this solar. Issue AND i
(01:10:48):
want to bring Up, erica who's the consumer And ali
but AND i Hope i'm pronouncing that. Right is It
ali Or? ALI i don't know which, which but it's
so so let's start out. There is It? Ali?
Speaker 24 (01:11:05):
Hi, yes s get. Afternoon, yes It's Ali.
Speaker 5 (01:11:07):
Ali, okay thank, You, Hey. Ali i'll just summarize this very.
Quickly they said that the system was basically sold and
not put in as described on the. Contract and even
if they upgrade the inverter or you supply an extra,
inverter as you kindly, offered that the power panel can't take.
(01:11:32):
It so we had an expert say that possibly this
was not sized correctly for their, home and now they're
facing not only an upgrade in, inverter but they're facing
a service change as, well and they feel like you
guys should be responsible for. That and that's really. It
(01:11:54):
in a, nutshell.
Speaker 24 (01:12:00):
Totally understand Miss erica's concern in regarding the clipping that
she found on their. System and actually WE i actually,
talked we have the Miss erica about this, personity and
we tried to check our design, team our technical team
check the, system and we also ran our production. Report
(01:12:23):
and actually her system is reaching an eighty six percent
production which is above what is our benchmark of eighty
five percent production. Guarantee AND i don't understand that she
is staying a clipping on her. System and, yes as
per checking the current installed, inverter it WASN'T sma Or.
(01:12:48):
Smart we've installed a seven point zero kilowatt. Inverter we're
in the design approved is showing a seven point seven kilowatt.
Inverter when we found that the installed inverter is a different,
size we offered her to upgrade or change the current
inverter to a seven point, seven in which Miss erica
(01:13:12):
declined the.
Speaker 5 (01:13:13):
Offer let me ask you on that one thing, though
if she goes to the seven point, seven it will
overtax her electrical, panel so she would have to upgrade
her electrical. Panel and she said all of this should
have been included in the original. Contract, well let's let
(01:13:37):
me let me have her address the issue of the electrical.
Panel we understand the inverter, problem but the system should
not have Put let me, well let me ask you.
Speaker 13 (01:13:49):
This.
Speaker 5 (01:13:49):
Ali are you saying the system is operating correctly and
according to contract and it's meeting your? Guarantee, yes, sir
it is. Okay so you don't see any problem with
the system as, Installed.
Speaker 24 (01:14:08):
Yes, sir we don't see any problem when it comes
to the. Production the only issue that we found is
the inverter, size and that is why we offer to
replace it according to the approved, design which is a
seven point SEVEN kloa.
Speaker 5 (01:14:21):
Inverter, okay if you do the inverter And, Erica i'll
let you, talk BUT i need to get some very straight.
Facts do you feel responsible at all if a new
inverter or upgraded inverter will cause her to have to
upgrade her service. Panel as far.
Speaker 24 (01:14:40):
As the technical teams, Concern i've already checked for that
and they said that since the seven point seven was
the original, design changes with the electrical panel or electric
wires or anything related to that should not be an
issue because again during the installation or, survey it was
(01:15:00):
to remain that the seven point seven will or is
the appropriate inverticize for the system and offer.
Speaker 18 (01:15:07):
Her house that's.
Speaker 5 (01:15:08):
Fret it will and it. Will you're saying it will
not over it will not overburden the electrical. Panel you're
saying it will Be, okay, yes, Sir, yeah the.
Speaker 10 (01:15:20):
Kay not only is she saying, that she's saying their
electrical engineer is saying that.
Speaker 5 (01:15:24):
Right, Okay, yeah that's what she's.
Speaker 10 (01:15:26):
Saying, now how about they wanted to upgrade out of?
Curiosity you guys are willing to put in the seven
point seven per the contract if they wanted to spend
a little, money if they want to an upgrade to
the next, size would you guys be open to just
charging the?
Speaker 5 (01:15:42):
Difference, Well, mark why would they want to go to
a next? SIZE i don't know what they want TO
i don't. Know, well let me let, Erica, erica let
me chime in right. Now what you heard what she? Said,
basically she's saying Smart wave is willing to upgrade the
inverter to match the contract and it will not overtax
(01:16:06):
or overburden your, system and you will not need a panel.
Change what is your response to? That, first before you go.
On what is your response to?
Speaker 22 (01:16:16):
That my response is that my contract is for a
nine point six, system and it was never told to
me THAT i would only ever have the capacity to
produce at seven point seven, kilowatts which is the size
of the inverter that they.
Speaker 5 (01:16:30):
Want to put. In wait, wait, wait the contract says what?
Speaker 3 (01:16:33):
Size nine point? Six all?
Speaker 10 (01:16:36):
Right, no wait wait wait the contract says a seven
point seven inverter, though, right.
Speaker 3 (01:16:41):
No it.
Speaker 22 (01:16:42):
Doesn't it just says.
Speaker 24 (01:16:43):
Inverter, well it's, okay so let me, claris.
Speaker 5 (01:16:51):
Go, Ahead, ali go, ahead go, Ahead.
Speaker 24 (01:16:54):
Yes thank you so.
Speaker 8 (01:16:54):
Much.
Speaker 24 (01:16:55):
Yes regarding the, contract the nine point six kill a.
Watch it is the system. Site it does. Not the
contract does not says anything about inverter. Size the nine
point six scal of watt is system. Size in it
three fers to avicerating of the solar. Array so the
customer or Miss erica has twenty four. Panels and that's why.
Speaker 5 (01:17:17):
You don't have to go into that, alley because we verify.
THAT A brook From Red Rocks roof And solar said
that a seven point seven inverter can handle that size,
system And erica she told us straight up that you
do not need to match exactly the inverter size with
the panels that you can have a larger system with
(01:17:39):
a smaller. Inverter so really we can't split hairs. HERE
i just want to. KNOW i want to know if
here's the real. Question should the homeowners have to pay
for their panel? Upgrade ali is saying you don't need
a panel. Upgrade that's really the issue right, here you
(01:18:00):
are willing to do the. Inverter you will be producing
ninety six hundred. Kilowatts the real issue is, this do
you need a panel upgrade or.
Speaker 22 (01:18:08):
NOT i won't be producing ninety six hundred. Kilowatts my
system can only produce to the size of the, inverter
and the inverter is seventy seven.
Speaker 5 (01:18:16):
Hundred, well she told us. That, Well Brooke white told
us that's not. True So i'm SORRY i listened to
the same conversation you. Did. Ali are you saying this
the upgraded inverter will be able to meet and will
be able to produce ninety six hundred.
Speaker 7 (01:18:40):
For that?
Speaker 24 (01:18:40):
One it's for the nine point or the ninety six hundred,
actually because the ninety six hundred size is the total,
rating which is it is the total rating of the
panels in a perfectly ideal lot. Settings and that's why
we are designing the, system which is they and produce
(01:19:02):
AND i really are realistically and real. Life sure the
panels can only produce up to eighty percent because of
their real life. Settings it is not because it's not
because under ideal lab. Settings that's why the system is
size for.
Speaker 5 (01:19:17):
To produce EIGHTY i understand her fully up there. PRODUCTION
i totally understand what she's. SAYING i think they're hung
up on the size of the. INVERTER i would be
more hung up on the panel on the. Panel does
my panel have to be? Upgraded? Now brooke From Red
rocks said she believes that you would have to upgrade the.
(01:19:38):
Panel ali is saying that panel does not have to be.
Upgraded erica And, paul that is your real issue. Here
they will put in a bigger inverter and match the.
Contract you know they they, Will they will service. It
you need to get some opinions that we can rely
on that says that that, panel that that system was
(01:20:02):
oversold for your, panel BECAUSE i believe that if they
sold you a system that would require a panel, upgrade
that should have been disclosed.
Speaker 16 (01:20:12):
UPFRONT i agree that it should have been disclosed, Upfront
but what.
Speaker 5 (01:20:19):
She's saying is the reason they didn't disclose it is
because you do not need a panel. UPGRADE i really
want to isolate it to what the problem is, Now,
ERICA i know you can go on and on and
on with the, problems but really and truly our job
here is to parse through what we think you can
enforce in what you can and according to, contract they
(01:20:43):
can meet the. Contract the question is should it have
been sold to you to begin with or was it over?
Sold and should they at least help you with the panel. Upgrade,
alli you're saying you're electrical engineer accepts that the panel
will do it is. Adequate their existing panel is. ADEQUATE
(01:21:05):
i want to Get brooke on and clarify why she
thinks it is not, Adequate and Then erica And, paul
you have to get your own expert to concentrate on
that one. Issue if you have other, issues you deal with,
them but you deal with the primary. Issue because if
you have a system producing eighty percent of ninety six,
(01:21:29):
hundred which the contract, says and if you have a
system that is not over taxing the, panel you're. Fine
if you have to upgrade the. Panel whose responsibility should it?
Be I'm Tom. Martine we have more coming. Up go
(01:21:52):
with a sure Thing Denver's best Roofer Excel roofing dot.
Com you don't pay a cent until you're. Content time
for an insurance checkup, free no. Obligation in, comparison Call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now THREE o three seven to
seven to. One. Help you'll think you're his only customer
(01:22:13):
when you Choose frank durand the real estate man dot
com to list your home With Remax alliance three three
nine two zero sixteen twenty. Two Hi Tom, martino your.
Troubleshooter let's go back To. Jim jim called earlier and
he was upset because he got a toll violation in
(01:22:37):
the express, lanes or for using express lanes, improperly he.
Thought but when you looked at the, violation it was
for toll. Evasion NOW i want to explain. Something an
attorney challenged the improper lane change ticket on the grounds
that it was written and cited by a toll evasion.
(01:22:58):
Law he proved it that. Case he paid the, toll
so the state or the agency who's doing it for
the state improperly charged him with the toll evasion and
showed a picture of him crossing the double. Line, now
since there is no actual statute for crossing the double
(01:23:23):
line or for improper entering and exiting an express, lane
the state has wrongly used the toll evasion law to give,
tickets and where people fight, it they can. Win, however
if in fact you are cited for total evasion and
(01:23:45):
you truly did not pay the, toll the ticket. Stands
jim says he has some follow up questions about. This go,
Ahead jim.
Speaker 8 (01:23:58):
The, attorney because at least hes go listen to. ME
i actually was, built.
Speaker 12 (01:24:02):
Actually have A i have a toll, account AND i
Was i've just checked on it.
Speaker 8 (01:24:07):
AGAIN i was charged for.
Speaker 2 (01:24:09):
That.
Speaker 10 (01:24:09):
Ba, WELL i literally asked you, That, jim the last
time you were ON i.
Speaker 8 (01:24:14):
WAS i was not.
Speaker 5 (01:24:15):
Sure tom's like, okay, OKAY.
Speaker 8 (01:24:18):
I checked, AGAIN i was not.
Speaker 12 (01:24:19):
Sure, WELL i got on the toll thing on the
internet AND i checked it and, YES i was.
Speaker 5 (01:24:26):
Good then you then you.
Speaker 10 (01:24:28):
Confighted but you have to do the initial part within
thirty days of receiving The it's not actually a, summons
but the, accusation the, accusation you have thirty days from
that to go on their website and basically go through.
Speaker 5 (01:24:45):
It if you go outside of.
Speaker 10 (01:24:47):
The thirty days by statute In, colorado you gave up
that right and now you probably owe one hundred and Fifty.
Speaker 8 (01:24:54):
Ken CAN i have The CAN i have the name
of that?
Speaker 12 (01:24:57):
Attorney what is the?
Speaker 5 (01:24:59):
Name what is the name of that? Attorney Hold, on
what is the name of that? Attorney? Interesting, yeah well
we'll have it in a. Second, bore you. Can't, yeah And,
jim what do you Understand you're gonna Cost it's gonna
cost you more to fight this than to pay.
Speaker 8 (01:25:15):
It, Right, well because well there was one other problem
with this whole. Thing tom and you guys won't let me.
Speaker 5 (01:25:20):
Talk.
Speaker 12 (01:25:22):
JIM i tried getting. ONLINE i tried getting online to do.
This that their their thing on the internet does not
Recognize mike does not recognize the stuff that they sent
me in the mail. Man, okay he does not recognize.
Speaker 5 (01:25:37):
It. Okay still Still i'm just saying this AND i
don't mean. This, well, oh are you saying if you
wanted to pay, it you?
Speaker 12 (01:25:43):
CAN'T i can't every LIKE i, said you get on
the on the website and it does not recognize my.
Speaker 5 (01:25:50):
Stuff so when you put in the violation, number that's,
right it doesn't recognize.
Speaker 10 (01:25:56):
It send send it over To dimitri and to me
if you can't log in and look at.
Speaker 8 (01:26:02):
It, OKAY i sent that information over and. OVER i sent,
ALL i.
Speaker 9 (01:26:08):
Have a copy of his, ticket and So i'll see
if it has instructions for.
Speaker 5 (01:26:12):
Paying so you, know what would you? Do like this
happened to me in the tolls Of Orange county WHEN
i was In. California they sent me WHEN i was
in a rental. Car they sent me, this AND i
logged onto the toll roads Of california Of Orange county
at whatever the site, was it was For Orange, county
and you could not you absolutely could not track it
(01:26:37):
down because it didn't recognize. It so If jim did
go online and they don't recognize the, violation he can't
pay it if he wanted. TO i, mean that's a good.
Point and that's why and and and they should talk
to him about, that because this is a guy that
was prevented from paying. IT i, mean it says right.
Speaker 10 (01:26:56):
Here Express Lane safety Dot com Forward SLASH ceo and
you will need this notice number and license.
Speaker 5 (01:27:04):
Plate So i'm going to try it right over this.
Break all, right let's do. That let's try it right, There.
BROOKE i want to get you back them on From
Red Rocks roof And solar on this one system. Here
we talked To Solar, wave And Solar waves said they
can upgrade the. Inverter it will produce the promised eighty
(01:27:28):
percent of ninety six hundred and they say nothing produces
one hundred, percent but they will abide by the contract
and she will not need a panel. Upgrade you had
mentioned that she probably does need a panel. Upgrade, now
obviously you haven't been out there to look at the.
System but what made you believe she would need a
(01:27:49):
panel upgrade.
Speaker 21 (01:27:53):
Because The erica had mentioned what the bus bar rating,
was and that's a bus bar rating means how much
an electrical box can take for power coming in and
out of. It, yes and so if you put in
a bigger, inverter it can handle more. Power so it's
going to send more power to the. Box since she
(01:28:14):
worked for an electrical contractor to do solar if she
said her bus bar was too, Small i'm going to trust. It,
okay the paperwork, otherwise.
Speaker 5 (01:28:21):
AGAIN i asked her to get confirmation from an independent
electrician and then we can see if we believe that
solar wave should be responsible for. IT i, mean you
know a lot of people would, say, look if you
do a panel, upgrade it improves your whole. House they
shouldn't be. Responsible others would say they shouldn't have sold
(01:28:43):
the systems that overloads the electrical. System and maybe they
wouldn't have done the system to begin with if they
knew they were facing a panel. Upgrade so it can
go either. Way what do you.
Speaker 10 (01:28:59):
Think it should be?
Speaker 21 (01:29:00):
Easy it should be easy to, find she, said on
the permit documents that Are Rapo county had and stamped
and approved. Of it would say if the main panel
agree was, required that's where your engineering is going to find.
Out so if it's on, there then AN mpu is
required on the stamp. Plans that's your answer right, there
that's your independent.
Speaker 5 (01:29:18):
Source thank, you redrocksars dot. Com thank you for your.
Help these are the good. Guys three oh three seven
zero four two four four. Nine we have more coming right.
Up go with a sure Thing Denver's Best Roofer excel
roofing dot. Com you don't pay a cent until you're.
(01:29:39):
Content wait time for an insurance check up, free no
obligation comparison Call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three oh
three seven seven to one. Help you'll think you're his
only customer when you Choose frank durand the real Estate
man dot com to list your home With Remax alliance
(01:30:01):
three oh three nine two zero sixteen twenty.
Speaker 23 (01:30:03):
Two Hi Tom martino here three oh three seven one
three Talk, hey call THREE o Three martino as, well
let's let's Talk.
Speaker 5 (01:30:18):
Mark what do you Got? Dmitri what do you go?
Speaker 10 (01:30:22):
ON i want to know about? THIS i went on, There,
dmitri AND i know you did. TOO i can put
in just his license Plate. COLORADO i can put in
the ticket number or the citation, number And i'm getting.
Speaker 5 (01:30:35):
Nothing would you figure OUT i got into his?
Speaker 9 (01:30:37):
Ticket?
Speaker 5 (01:30:38):
Oh how did you get? In how did you do? It?
Speaker 9 (01:30:40):
Well you know that zero and his license plate it's
actually let letter oh?
Speaker 5 (01:30:46):
Zero oh you're?
Speaker 9 (01:30:48):
Right so who's right? Again this?
Speaker 5 (01:30:50):
Time?
Speaker 9 (01:30:51):
Okay And, jim you got a couple of days left
to pay it before it doubles two hundred and fifty. Bucks,
yeah There's.
Speaker 5 (01:30:57):
Jim you you can pay, it.
Speaker 8 (01:30:59):
Sir i'd still like to have a number of that.
Speaker 5 (01:31:01):
Attorney, sure, well you can have the number of the attorney.
Again if you'd rather pay you, know six, grand then
the ticket go. AHEAD i, mean you're not going to
court for less than.
Speaker 8 (01:31:12):
That just so you, Know i'd still like to talk
to the.
Speaker 5 (01:31:17):
Attorney, Sure and you know you're not talking to him free,
either right? Now he'll talk to him for, Free. Willie.
Okay not everyone gives free. CONSULTATIONS i just wanted to warn.
Him but that's. Good so he are you, Sure, mark
he gives free consultations on THESE.
Speaker 10 (01:31:32):
I don't know if he gives them necessarily on this,
guy but in GENERAL i think he would when he
was on the air with, us he will.
Speaker 5 (01:31:39):
Talk, Okay so do you have that number four? HIM
i have his.
Speaker 9 (01:31:42):
Name the attorney's name Is john with AN h bowlin
bow L i n.
Speaker 8 (01:31:55):
L i n L I m, okay well all, RIGHT
i appreciate.
Speaker 5 (01:31:59):
It now, wait do you have the? Number? YES i,
do here's his. Number, Okay i'm.
Speaker 9 (01:32:04):
Sick so the firm is Called bolan and shall and
their phone. Number So John bolan's direct number is seven
to zero three one six seven eight nine.
Speaker 10 (01:32:18):
Zero the first thing you got to, do though you
haven't even disputed, it you need to log on there
now and dispute it and tell, them, HEY i paid the.
FINE i, mean that's the first thing you need to
do before the clock is.
Speaker 5 (01:32:31):
Done right, Right, god, Guy he's Something i'm confused is
that the dude didn't even. Know, look you know. What
he's pissed. Off he's pissed. Off he got a. Violation and,
OKAY i mean if he paid the, toll he shouldn't
have gotten the. Ticket that's. Fine he has to dispute,
it but he has in his mind that he's right
(01:32:52):
and we're. Wrong so when people do, that they don't
always get the solution here that they want. To all,
Right so here's the. Deal someone wants to know From
John clace excuse, me, Yeah, john FROM. Cmg how much
do you need in savings for this to really make
sense as a.
Speaker 17 (01:33:13):
Loan, well it's, different and we do have a great
simulator if people want to call. Me but typically if
you're saving ten percent.
Speaker 13 (01:33:24):
Of the money you, make it.
Speaker 17 (01:33:27):
Works the more you can save when you get up
to twenty or twenty five, percent meaning that your net
income minus your expenses is ten percent or.
Speaker 13 (01:33:36):
Higher it seems to.
Speaker 5 (01:33:38):
Work, Yeah But, john it doesn't have to be pure.
Savings it can be money that is in your checking account.
Temporarily it doesn't have to be designated as. Savings any
money that you have liquid can be put in, there
and when you need, it you write a. Check. RIGHT
i don't want this guy thinking he has to set
aside a savings.
Speaker 17 (01:33:58):
Account, no you're exactly. Right it's people that just have
a you, know they have a rainy day account or
money set. Aside and that's WHY i like people to
call me and we have a great simulator THAT i
go through with them and we can put in all these.
Things but you're exactly, Right, tom if you have money sitting.
Speaker 3 (01:34:14):
There you.
Speaker 5 (01:34:14):
Can can you have more than one account associated with the?
Speaker 17 (01:34:17):
Mortgage Uh, No so there's the checking account goes with the,
mortgage but you can tie ten different accounts into, it
meaning the other accounts won't do the automatic sweep like
this one, will but you can ach back and.
Speaker 13 (01:34:31):
Forth pretty.
Speaker 5 (01:34:32):
Simple, Okay so here's here for those. Listening we're talking
about the all in one loan where really what happens is,
this you have a loan on your home and it's
like a line of credit for thirty. Years what happens
is if you, need if you borrow enough to pay
off your existing, loan, fine if you have more, equity
(01:34:54):
you can draw it. Out if you pay it down
substantial even but you need the money a week, later
you can get it. Back it is a liquid, loan
AS i, coined and that liquid loan means that the
balance fluctuates based on how you pay it down and
(01:35:15):
how you draw it. Back while you have this, loan
any money that you have in the ASSOCIATED cmg checking,
account any money in there that you can sweep at
night from other, accounts you can do, whatever or just
keep money in. There that goes against your average daily
balance for the time it's in, there and then that
(01:35:39):
means you pay interest on less of a loan. Balance,
now if you have this associated checking account and you
happen to have fifty or one hundred grand in, it
it's substantially lowering your. Interest but even if you only
have five or ten grand in, it you're substantially lowering your.
Interest then let's say you need to write a, check
(01:36:02):
you write a. Check there's No and let's just, say
then you have your house loaned up to the, maximum
you can just pay interest. Only isn't that, Right, John that's.
Speaker 13 (01:36:15):
Correct it's interest.
Speaker 17 (01:36:15):
Only in tom that's a great point because they say
you had a five hundred thousand. Mortgage your payoff was
two hundred on the other, mortgage but you borrow three.
Hundred well on that one hundred thousand if you don't use,
it you don't pay any interest on.
Speaker 13 (01:36:28):
It but it's, liquid like you, said, ok it's available to.
Speaker 5 (01:36:31):
You, Right so on the.
Speaker 10 (01:36:33):
Loan, yet the other thing that's kind of cool is
it eats. Itself so let's say you get fired from
your job and you've got, whatever a half a million
dollars line of credit. There you don't even got to
make a typical interest. Payment it'll just eat. Itself you
don't have to make a payment till you're employed. Again
so the interest accrues on the loan.
Speaker 17 (01:36:55):
In that, sense it, could but it's a lot. Better
like if you had a regular loan and you lost your,
job couldn't make the payment and you have a lot of,
equity they don't care you sell the house to get
it paid. Off here you can have that that. Time
Like Mark, sitt it's.
Speaker 10 (01:37:08):
Almost like a reverse Mortgage hitt that, point it just
heats away at the equity it.
Speaker 17 (01:37:12):
Is until you get back on your, feet and you
can do. That that's why it's a great loan for
self employed people, too who kind of make big commissions
one month and not so big the.
Speaker 10 (01:37:19):
Next, month or people buying a second house or a
property outside of their regular residence as.
Speaker 5 (01:37:25):
Well, yes you can have negorous.
Speaker 10 (01:37:27):
Ones, too, right you could have one on your, primary
and you could have one on a, secondary.
Speaker 5 (01:37:33):
An investment property and an investment property.
Speaker 13 (01:37:35):
Yep up to three, okay and that to think.
Speaker 10 (01:37:40):
Of, that you have an investment property that you're banking
on like with Vest.
Speaker 5 (01:37:44):
Era really think about.
Speaker 10 (01:37:45):
This so they buy it with this product compared to
a regular twenty or thirty year not only are they
going to make money when the home appreciates With barry
in wave, eight but they have access to all the
money they put down in. It you can't get a
better deal than.
Speaker 5 (01:38:03):
That i'm, Thinking, john we have to hook you up
with A barry because he needs to offer this as
a loan option really and truly because if we keep
the homes only up to three, years we could do
interest only if we, want, right you.
Speaker 13 (01:38:20):
Could that's what's great about it gives you that.
Speaker 17 (01:38:22):
Option, yeah but you can always pay principle if you want,
to or you, could.
Speaker 10 (01:38:27):
Or you Could literally WHAT i was saying is you
could pay one hundred percent or ninety percent cash upfront
for the, house and you have a line of credit
to access basically all that cash you.
Speaker 5 (01:38:39):
Could you know, What you're, Right, Mark so if it
goes a month, unrented you tap into, it.
Speaker 10 (01:38:45):
Or you don't even have to tap into, it it eats,
itself you're.
Speaker 5 (01:38:48):
Right, Yeah, No i'm talking about for The, OH i
see what you're. Saying, yes you know. WHAT i need
to Put Barry miller in touch with you, Personally, john
because Truly i'd love to hear about.
Speaker 10 (01:39:01):
It you have multiple investment, Properties, john with that product
or just, one.
Speaker 13 (01:39:06):
You could have up to two to the right ste.
Speaker 10 (01:39:09):
You should have. One and let's go under WHAT i was.
Saying you have ninety percent equity in. It you have that,
product you could use that money to buy the second.
Speaker 13 (01:39:18):
ONE a lot of people do.
Speaker 17 (01:39:19):
That they use the one loan to write a check
for the down payment of the other one on the next.
Speaker 5 (01:39:24):
And then convert that into the same.
Speaker 10 (01:39:26):
Product, YEAH i don't know why when it comes to
the investment. Product, actually when it comes it's very hard
to think of a. Reason besides you might not, qualify
why not to have this? LOAN i can't think of
any reasons in any, scenario.
Speaker 17 (01:39:40):
My, opinion is the best loan on the planet if you're,
qualifying and that's that's what we, do and they'll look
at your.
Speaker 10 (01:39:45):
Assets it's not necessarily just cash, flow but if someone
has a lot of, assets this is one of the
few loans that you can actually base approval on asset.
Speaker 13 (01:39:55):
Level that is, Correct we do do.
Speaker 5 (01:39:57):
That oh, Okay So, jimmy he was asking about, that
go over that qualification again real?
Speaker 17 (01:40:03):
Quick, uh, well meaning that we can we can use
so you could literally we don't have to ask for.
Income if you have enough, assets we we do a.
Calculation we don't deplete the. Assets we just do a
calculation of what that would, be and then we give
you an income based on your.
Speaker 5 (01:40:20):
Assets wait the retirement accounts or.
Speaker 13 (01:40:23):
No including retirement.
Speaker 17 (01:40:24):
Accounts so real simple math, is, yes we take we
take your, assets we divide them by one twenty and
that's what your monthly income.
Speaker 13 (01:40:32):
Is that we'll give you credit.
Speaker 9 (01:40:33):
For sons like, equity equity is not, Asset, no, Okay
so what are assets that you look?
Speaker 17 (01:40:41):
AT i mean, savings bank, accounts phone, case money, marks trading,
accounts treating, accounts and any financial assets you can you
can use on.
Speaker 9 (01:40:53):
That, yeah and you don't need you don't need LIKE
w two or tax.
Speaker 5 (01:40:58):
Return that's the asset it helps to.
Speaker 10 (01:41:00):
Have to, Me i'm sorry to buddy In John blay
the actual if you have, both that's even. Better but
what he's saying is if you, don't if maybe you're
retired at sixty years old and you you have ten
million dollars in assets but you don't have any, income
you can get this.
Speaker 2 (01:41:17):
Loan?
Speaker 9 (01:41:17):
Correct, Correct but isn't the equity in my house an?
Asset or the house itself is an asset though encumbered
by unfortunately it.
Speaker 13 (01:41:26):
Is but we wouldn't do that because on the on
the on the.
Speaker 17 (01:41:32):
Balance sheets and all that you can access you can.
Liquid those are considered kind of. Liquid so you might
get a tax hit or. Hit but for a home,
equity you'd have to sell that house to realize that,
asset and so that's why we don't do.
Speaker 9 (01:41:45):
That and what minimum score or average credit score qualifications
would you?
Speaker 13 (01:41:50):
Recommend seven hundred is our minimum credit score for that?
Speaker 10 (01:41:54):
Product you have other products where people will qualify. It
what five sixty.
Speaker 13 (01:41:58):
Five sixty five eighty for the all on one, Loan
it's seven.
Speaker 9 (01:42:01):
Hundred, yeah, Gotcha thank, You Jan we got more right after.
Speaker 5 (01:42:05):
This go with a sure Thing Denver's best Roofer Excel
roofing dot. Com you don't pay a cent until you're.
Content time for an insurance check up, free no. Obligation in,
comparison Call Compass insurance paying too much your coverage at
(01:42:27):
dozens of insurance companies find out now three oh three
seven seven to one. Help you'll think you're his only
customer when you Choose frank durand the real Estate man
dot com to list your home With Remax alliance three
oh three nine two zero sixteen twenty. Two, Hi I'm Tom,
martino your troubleshooter three oh three seven one three talks
(01:42:50):
seven and three eight two five. Five so coming up
in the next, HOUR i want to talk about common
mistakes people do en listening a. HOME i looked at
better homes and. Gardens who did? Who who did a look?
See and interviews of brokers and we'll do that coming.
Up there are one let me give you. One one
(01:43:10):
is where style is considered in fashion is too specific
to a time. PERIOD i can bring up the ultra
modern stuff that you're seeing that goes in and out of.
FAVOR i can bring up The southwest look that used
(01:43:31):
to be in that people puke when they see The
tuscany design seems to be more, universal and we're going
to talk about. That then somebody asks about the all
in one loan and they thought they heard somewhere where
eventually you freeze your. Credit freezes are not your, credit
(01:43:52):
but your ability to draw out money, freezes and you
have to pay it. Down so we have a lot
to talk about on The Troubleshooter, show plus your calls
on anything you want three oh, three seven to one
Three talk or three oh Three, Martino go with a Sure,
Thing Denver's Best Roofer Excel roofing dot. Com you don't
pay a cent until you're. Content time for an insurance check,
(01:44:17):
up free no obligation comparison Call compass insurance paying too
much your coverage at dozens of insurance. Companies find Out
now three oh three seven seven to one. Help you'll
think you're his only customer when you Choose frank durand
the real Estate man dot com to list your home
With Remax alliance three oh three nine two zero sixteen twenty. Two.
Speaker 1 (01:44:37):
Yeah Rip news needs who you don't?
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Have, come runs as fast as we.
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Can shooter's gonna.
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Help, come, Man this is The Troubleshooter.
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to find out more about. Everything Tom martino Dot com
is a good. Site referral list Dot COM's great. Site
(01:45:41):
Hey john Clas is WITH cmg mortgage partner in lending Dot.
Com Frank duran is With, frankduran the real Estate man dot,
Com Stephanie thomas With Coldwell banker In Colorado, Springs frank
is With Remax, alliance and Then stephanie's With Coldwell banker
in The springs Or Pikes peak. Area they like to,
(01:46:01):
Say stephanieri dot com AND i have a question about
freezing the credit. Limit so the all in one, Loan
i'm going to give it the quick. EXPLANATION i can't
assume everybody who is here now has tuned in for
the whole. Show now here's the. Deal you get a
loan on the, house and you can pay the loan
(01:46:21):
down or borrow it up as a line of. Credit
now what happens is you have a. Balance let's say
you start out with a balance of four hundred. Grand
you can borrow up to is it eighty percent loan to?
Speaker 13 (01:46:37):
Value john yees eighty percent loan to value of the house?
Speaker 5 (01:46:40):
Value, Okay so let's say you have one hundred in
there for. Cushion so let's say you borrow on. That
you can pay it. Down you can even pay down
the original four one hundred thousand or five hundred thousand or.
Whatever so let's say you have a lot of money
you put down and you're in a. Home you can
borrow against the equity at any time and pay it
down at any. Time but something else also. Happens you
(01:47:03):
keep a checking account WITH, cmg and every single night
they credit you with the amount in that account against
your average daily. Balance so for that day or two
or week or month or two months or three, months
your balance reflects that much off of its. Principle so
(01:47:24):
you're in essence paying less. Interest, now if you have
hard times and you simply want to pay interest, only
you can do. That and as mark brought, out if
you skip a, payment it goes against the line of, credit, Right,
john there is no mark against your.
Speaker 13 (01:47:40):
Credit right that is correct as long as you have
that putty, there.
Speaker 5 (01:47:43):
Yep so if you skip a payment or, two you
can do. That if you pay interest, only you can do.
That if you pay interest plus a bunch of, principle
you can do. That you can pay against the principle
at any time and all of your. Savings WHAT i
would do is put most of my savings against this loan,
hardly So i'm paying way less interest AND i have
it available WHEN i need. IT i write a. CHECK
(01:48:05):
i simply write a, check all. Right having said all
of that only took me two. Minutes, now somebody said
they heard that this line of credit freezes at some
point during the. Loan can you explain, that.
Speaker 17 (01:48:18):
SURE i can. It it doesn't. Freeze so it's a
true thirty year line of. Credit it's the first one
hundred and twenty months are are interest.
Speaker 13 (01:48:26):
Only you get access to the full line of.
Speaker 17 (01:48:28):
Credit and so then what it does the next twenty,
years it takes the sow you whatever you. Borrowed it
reduces what you can borrow by one two hundred and
fortieth every. Month for, EXAMPLE i don't have a math
in front of my four hundred. Thousands on the one
hundred and twenty first. Month you can borrow three ninety,
nine then three ninety, eight so it's a force zero
(01:48:50):
balance at the end of thirty.
Speaker 5 (01:48:51):
Years that's so you're not at the end of thirty
years and our face with trying to refinance a.
Speaker 13 (01:48:56):
House, correct it's a forced forced payoff at the end
of the thirty.
Speaker 5 (01:49:00):
Years but it remains a line of.
Speaker 17 (01:49:02):
Credit it remains a line of, credit and you can
still use whatever you can access. To it's only if
you're fully maxed, out then you have to make a.
Payment but if you're not maxed, out you do.
Speaker 5 (01:49:12):
Not, okay thank, You John, clays partner in lending Dot.
Com so let's talk About let's talk about design. Flaws
not design, flaws design, mistakes showing. Mistakes when you're showing a,
house you guys have sold your, share you've also toured
a number of, houses and you notice. Mistakes my personal,
(01:49:33):
opinion bad floors just for somehow makes the house feel,
dingy dirty and. Unkept unkept wood, floors unkept, final unkept,
carpeting matted, carpeting, disgusting even if it has a beautiful floor.
Plan for some, reason pet, stain matted bad floor, coverings, chips,
(01:49:59):
fading stains tells me a lack of. Care because floors
are ubiquitous through the entire. Structure what do you guys
think about floor?
Speaker 2 (01:50:10):
Coverings you, KNOW i would agree with you on floors
because it's such a large surface area as you're walking
through the, home so it really speaks loudly to. You
another thing that really kind of gets me personally about
floors is when every single room is.
Speaker 18 (01:50:25):
Different for, instance even.
Speaker 2 (01:50:27):
Carpet you, know the hallways, different each bedroom is, different
and they just kind of butt up to one. Another
that's Something it kind of takes away from the flow
of the.
Speaker 18 (01:50:34):
House to. Me it really breaks the space.
Speaker 5 (01:50:36):
Up and most designers say, nowadays no matter what design you,
have keep the floors. CONSISTENT i would, agree keep. That
and then what about. Walls and we used to have
a lot of faux finishes which can date a. House
do you guys agree with?
Speaker 20 (01:50:52):
THAT i would say So tom a, Painting And i'll
tell you another one too is oder. Boys especially the
person is a, smoker that could be really. TOUGH i
had one. Cellar they had those plug in you, Know
i'm talking about those air. Fresheners, yeah that made it.
Worse SO i tell people just kind of be, careful
let's talk through this before we list the house and
get the place ready up to.
Speaker 5 (01:51:13):
Par you know there are osonators that can take smell
out of a house. Completely, Yeah so what about design?
Mistakes LIKE i, said designs are like fashion and they
can come in and out of, fashion particularly with color of.
Appliances if people are replacing appliances my, opinion my opinion
(01:51:35):
is white and. Stainless but what do you. Guys think you,
KNOW i like. THAT i like the white and.
Speaker 18 (01:51:42):
STAINLESS i think it's.
Speaker 2 (01:51:43):
Light it's very, classic AND i think that's something that
is going to probably withstand time a little bit better
than some of the you, know the random colors that we've,
seen or some Of i've even, seen like you, know
wood finishes and things like.
Speaker 18 (01:51:56):
THAT i think that kind of dates it a little.
Bit to.
Speaker 5 (01:51:58):
Me we're talking about A La carneu's stove or oven
with the eggplant, cover that's. Different that thing is. Timeless
but if you're talking about just regular, STOVES i introduce
to you in your, mind in your, memory walking into
avocado green. Appliances my, god that's especially when it's a burnt.
(01:52:20):
Avocado oh my. God it just says. Old what do
you do when you have? It do you sell around?
It or do people actually change certain? THINGS a, right,
GUYS i was just thinking through That tom for a.
Speaker 20 (01:52:37):
MINUTE i think the biggest THING i see that people
change through is they'll go back to. Neutrals, so for,
instance If i'm selling a home and they have red
walls and green, walls they'll go back to the.
Speaker 5 (01:52:46):
Basics AND i always suggest that go back to the.
Basics we have a.
Speaker 20 (01:52:49):
Great pink, guy by the, way and just go back
to the, neutral back to the. Basics and that's WHY
i believe stainless still in white works.
Speaker 5 (01:52:55):
Very well in any. Market and then, cabinets if somebody
is redoing, cabinets what do you suggest for timeless. CABINETS
i Think shaker's pretty. Timeless white's pretty. TIMELESS i think
you avoid the weird. FINISHES i think what do you
guys think distressed is? Good what would you avoid with?
(01:53:17):
Cabinets designer.
Speaker 2 (01:53:19):
COLORS i think that's going to be a fad that
we'll probably see go out at some. Point is you,
know the two tone color. Cabinets you, know you're more
vibrant blues some of you Know i've Seen i've seen some,
purples and you, know different colors like that that are
very specific to that. Homeowner you, know one THING i
always advise my clients when we're talking about doing, upgrades you,
(01:53:43):
know to get ready to sell is let's let's be.
Neutral let's go in and try to appeal to the
masses and not necessarily just as specific.
Speaker 5 (01:53:50):
Somebody, Okay so so really when it comes to somebody
asks about home, Theaters GOD i think they're kind of
like swimming. Pools you either love them or hate. Them
nowadays with the big LEDs and, stuff have you seen
less and less dedicated rooms like?
Speaker 20 (01:54:10):
That, Boy, tom it's all over the. Board But i'll say,
this here's the funny. Part i've sold a number of
homes that have home. Theaters and here's the funny. Part
they never buy because of. That they come In, okay right,
price right, Area, OH i like the floor, Plan oh
it has a home. Theater, Great and that's the person
that's where the value gets added once they decide they
like the. Home i've never seen anybody not buy one over.
(01:54:31):
One But i've never seen anybody coming and, say oh,
GEE i gotta have it because of the home theater.
Speaker 5 (01:54:34):
EITHER i think it's just kind of a nice little
extra touch if they have. It and you, know one,
time And, frank you, know WHEN i bought this, house
the people were like, horrors For god's, sakes and they
didn't even move stuff out of the. Way THEY i,
mean you, KNOW i mean that's just playing. STUPID i,
mean who's advising? Them what do you do with personal?
(01:54:57):
STUFF i, mean do you like when people And i'm
not saying they, should AND i don't want people being
warded off thinking, Well i'm not going to go with
that guy or that. Woman but in, General i'm just
asking is it better to be moved out and staged
then be there and? STAGED i would, say for the most,
(01:55:18):
part is better to be out and.
Speaker 20 (01:55:19):
Staged AND i would, say at the very, least if
they have a situation where they have a lot of,
clutter they need to get rid of.
Speaker 5 (01:55:25):
IT i have a trash hall.
Speaker 20 (01:55:26):
Person if they want to get rid of, it we do,
that or work something out where we can get it
moved somewhere else besides inside the. Property BUT i would, say,
overall if they can vacate and stage.
Speaker 5 (01:55:35):
It do you ever bring furniture? In?
Speaker 20 (01:55:37):
Oh, yes in, fact that one THAT i just shared
the video, with we had that staged.
Speaker 5 (01:55:40):
Furniture where does that even come?
Speaker 10 (01:55:42):
From to go to Like american furniture buy a whole
house and return?
Speaker 20 (01:55:47):
It you, KNOW a great. Question they have their own
facilities they Use i'm not. SURE i don't know that
it comes. From oh it's a. Company i'm actually a.
Speaker 5 (01:55:54):
Company, Yeah and they order whatever. Mark there are companies
that will come in and do everything from furniture to
wall hangings to recommendations for the. Brokers it's not like
the broker goes room by room and, says do, this
this and. This how much does that? Cost out of?
Speaker 10 (01:56:12):
Curiosity what does that add to a? Sale in other,
words that's not.
Speaker 5 (01:56:17):
Free no.
Speaker 10 (01:56:18):
Staging typically like that HOUSE i, saw SO i how
much just around around thirty two hundred for, staging.
Speaker 5 (01:56:25):
And then they bring in the.
Speaker 10 (01:56:26):
Furniture, actually they probably walk, in look at it and,
go here's what we're going to.
Speaker 5 (01:56:30):
Do that's.
Speaker 20 (01:56:30):
Ye we have a professional stager walk through the property
and they stage it, professionally looks very.
Speaker 5 (01:56:34):
Nice who foots that?
Speaker 20 (01:56:36):
Bill, well ULTIMATELY i pay it up, front but we
always give the seller that option.
Speaker 5 (01:56:41):
If they want to use staging or.
Speaker 10 (01:56:42):
Not, yeah but THEN i mean simply it comes out
of your. Commission It's i'm sure that's.
Speaker 5 (01:56:46):
Right, yeah, yeah that's why well hold, on hold on
out of the. PROCEEDS i wouldn't necessarily say out of
an individual's, commission or does. It, Frank, well.
Speaker 20 (01:56:56):
That's part of our marketing up, front, Tom so we
figure out up front what the feasts structure is going to.
Be that's fair to the cellar and something we could work,
with and that just all gets structured.
Speaker 5 (01:57:04):
In but ultimately we take the risk with, it we
pay it. Off oh, okay so it does come out.
Speaker 20 (01:57:10):
Okay and for some reason the seller changes their. Mind we,
hey we put it. Riding you, know you can cancel any.
Time you owe us. Nothing so we take all the.
Risk AND i, said we worked to earn your business every,
day and we really back it.
Speaker 5 (01:57:21):
Up for real. Time my, GOD i mean so So.
Speaker 10 (01:57:25):
Mark that is when they sold, ours they didn't have
to come in our one In Castle. ROCK i mean
he sent in like a whole crew of a cleaning
crew that did.
Speaker 5 (01:57:34):
Everything and just got it ready to. Go, man it
was pretty.
Speaker 10 (01:57:38):
Amazing then the money he put into that walk through
back in the, DAY i mean this is ten years,
ago that matter.
Speaker 5 (01:57:45):
Horn they did a THREE d walk through. Tome he
listed it On.
Speaker 10 (01:57:48):
Friday By sunday night we had almost one hundred thousand
people virtually walked through the, house and then By monday
he created offers to look.
Speaker 5 (01:58:01):
At, yeah thank god that We're doug. Good. Okay someone
wants to know what is the conventional not the, conventional
but the going interest rate without putting money in the.
Account is it more than conventional or is it par
at par the all in one.
Speaker 17 (01:58:20):
Loan, yeah so you can't so because it's a simple interest.
Rate and that's why we have a simulator. Online so
there's a, rate but it depends on credit score and all.
This but it's also an effective. Rate so our simulator
we go in there and we can see how much you're,
paying because you only pay interest on what your principal balance.
(01:58:41):
Is so our simulator will do an effective.
Speaker 5 (01:58:43):
Rate meaning but let's just, say as without money in the,
bank what would the rate. Be would it be slightly
higher than market for a conventional?
Speaker 13 (01:58:53):
Loan slightly?
Speaker 17 (01:58:54):
Higher BUT i can tell you right, now on, average
the effective rate on most of the LOANS i do
is less than three.
Speaker 5 (01:59:02):
Percent, well and more, important wait a, minute wait a,
minute is that with tons of? Cash hold, on, mark hold,
on he's saying less Than wait a, minute he's saying
less than three? Percent now now to affect that less
than three, percent for goodness sakes from apar right? Now of?
Seven is that with tons of money in the. Bank
(01:59:22):
what are we talking?
Speaker 17 (01:59:23):
About, yeah it's what's using your money and do. That
but it's it's it's so it's all about interest.
Speaker 13 (01:59:27):
Saved so THIS i can't Is so that's what it's.
About is how.
Speaker 17 (01:59:31):
Much interest would you pay by thirty or fixed mortgage
at seven?
Speaker 5 (01:59:36):
PERCENT i get, THAT i get, That. John All i'm
All i'm, asking. Bro All i'm asking is when you
said your average customer saved three, percent then you have
to accompany that With but that average customer probably has
fifty grand in the.
Speaker 17 (01:59:49):
Bank exactly. Right that's why we have to go on the.
Simulator and it's everybody's situation is. Different you're right, Now
you're absolutely, Right you're.
Speaker 5 (01:59:57):
Right, okay all, right we got more coming right. Up
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(02:00:18):
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three nine two zero sixteen twenty. Two Hi Tom martina,
(02:00:39):
here let's Talk. Patrick you have a question about oil and.
Gas what's going, on?
Speaker 16 (02:00:47):
Sir, OKAY.
Speaker 12 (02:00:52):
I have a.
Speaker 16 (02:00:53):
QUESTION i just have a sneaking feeling someone cuts something
in either the gas my.
Speaker 5 (02:00:59):
Oil oh wait wait wait? Somebody is this your?
Speaker 16 (02:01:03):
Car, well it's a work truck THAT i had sold
to a. Company long story, SHORT i sold my. BUSINESS
i fell.
Speaker 8 (02:01:12):
Through the truck in the back up of my, house.
Speaker 16 (02:01:16):
AND i hadn't moved it in a, while and then
all of a, SUDDEN i moved it and it's smoking really.
Bad and the person who bought the business is definitely
suspicious of doing something like.
Speaker 5 (02:01:28):
This, Next, okay would they do it because they were
upset with you because the sale fell? Through? Yes and
tell me. Something how many miles on this nineteen ninety
Eight Toyota? TACOMA i mean either like two hundred, thousand?
(02:01:48):
Okay and how? Much how much is it? SMOKING i, listen,
man that the idea of a ninety Eight tacoma with
over two hundred thousand miles smoking is not shocking to.
ME i have a toileta somewhat of a toilet aficionado.
Here what do you? Think what color is the?
Speaker 9 (02:02:09):
Smoke is it kind of like grayish? Bluish or is
it pure?
Speaker 8 (02:02:12):
White now it's not pure.
Speaker 16 (02:02:15):
White the thing is is THAT i drove it back
it's no, smoke and when he, left no. Smoke WHEN
i started it out after got dropped off. Smoke So
i'm just what color asking? Is is there a PLACE
i can have it? Testing that's all?
Speaker 5 (02:02:30):
Raining, yes, yes of course there. Is you know you
can have It. TITAN i Believe titan is still around
that there are a lot of people when they do oil,
changes they have.
Speaker 9 (02:02:45):
It they They THEN i, think are you asking to
have the oil tested or are you asking to have
the engine tested to see why it's? Smoking you would.
Speaker 5 (02:02:57):
Start with the oil to see if it's. Contempt why
wouldn't You why wouldn't you do the simple thing?
Speaker 9 (02:03:02):
First, well it's not the simple. THING i think his
conservancy the truck is.
Speaker 5 (02:03:05):
Smoking it's pretty damn simple to test the. Oil just
tell me, no, NO i just want to know why
you wouldn't say test the oil because it could be.
Contaminated it could be a head. Gasket, yeah and an
oil analysis will show. Cooling but, now what What demetria
might say, is but you don't know if the cooling
came from someone adding it or from a leaky head.
(02:03:25):
Gasket is that what you're getting?
Speaker 9 (02:03:27):
At, YEAH i mean anything could be causing it to.
Speaker 5 (02:03:29):
Smoke so what would you how would you start that
compression tests and all the old.
Speaker 9 (02:03:34):
Sashion, No, no take it over to somebody like shared
not attack and ask him what the smoke and then
go from there driving it.
Speaker 16 (02:03:42):
Anywhere i'm. Here hold, on, second security took getting. Her
they never registered it and they drove it, back so
they never drove.
Speaker 5 (02:03:52):
It really Look titan. Laboratories titan.
Speaker 10 (02:03:55):
Laboratories you just bring them an oil sample and they'll
do a full.
Speaker 5 (02:03:58):
Report there you.
Speaker 9 (02:04:01):
Go we're not going to tell you why the truck is.
Speaker 5 (02:04:03):
Smoking no What demitria is, saying it'll tell you what's
what your oil if any is contaminated With if your
oil's not, contaminated you still have the. Problem or if
you find out it is, contamination it might be contaminated
with something outside the. Engine if it's contaminated with, coolant
which is the only other thing that could be contaminated
(02:04:25):
with within the, engine then you would have to seek
the coolant.
Speaker 9 (02:04:29):
Leak, Right but there's a simpler way about. It you
don't need to test the oil to see what's.
Speaker 5 (02:04:33):
Burning so, no hold, on go, ahead dimitry finish your
thought Because i'm not understanding. It go.
Speaker 9 (02:04:37):
Ahead so when you bring when you bring a smoking
truck to the mechanic and they, started they'll know right
away what's causing the. Smoke you can smell the, coolant
or you can smell the burning oil that you really
are the only two or he might have just like
incomplete ce. Question if they.
Speaker 5 (02:04:52):
Smell or if they see us, coolant how do they
then determine if it was purposely done or? Done, bro
just listen for a, minute just for a. MINUTE i
know you want to have yours. TESTED i know it's that.
Speaker 16 (02:05:05):
Understaying i'm just trying to.
Speaker 8 (02:05:06):
Share but you know, what.
Speaker 5 (02:05:07):
The hundreds of thousands of people, listening don't just put
them on. Hold For god's, sakes do you? KNOW i
gotta tell people we don't just do this show for
one or two people who. Call we do the show
to educate our. Audience so if you're a, genius go
ahead and solve your own damn. Problem to go. AHEAD
(02:05:30):
i was asking some edification, questions and that is once
the mechanic zeese or suspects. Cooling then how does the
mechanic know did someone add it or did it?
Speaker 9 (02:05:44):
Leak, yes so they will pressurize the cooling. System it's
called a leak down. Test they pressurize the cooling, system
put a pressure monitor on, it and if that pressure,
drops they'll know there's perhaps a head gas.
Speaker 5 (02:05:56):
Cothleek, okay then what about compression check for rings and
stuff that's.
Speaker 9 (02:06:00):
Well they can also put a compression, tester as you,
know gauge into the engine cylinder one at a, time
crank it over and see if it's see if it's
getting proper compression or if it's slow.
Speaker 5 (02:06:12):
Compression, remember what we're doing here is trying to educate.
People how do you tell the difference between something that
is leaking from within the engine or something that contaminated the.
Engine the only fluid that you would find in the
oil that would leak from within the engine is. Coolant
there is no other, Fluid so you're not going to
(02:06:35):
find a break master brake cylinder leaking into the. Engine,
now once you find what's contaminating the, engine if, it's for,
example something foreign to the inside, coolant then you have
then you're no for sure that it is. Contamination you
know for sure it, is and you know it was
(02:06:55):
introduced by a third. Party this guy thinks they Were
they were really pissed and did something to his. Engine
so that's that's the skinny on it. Again take it
to you, know you can have it done at the.
LABS i would do a drive by With Sheridan Auto.
TECH i, MEAN i agree with, That. Dimitri so you do.
(02:07:17):
Both you figure it. Out could it be what would
make A toyota. Como let's say it's not leaking, coolant
it's not a head. Gasket the other reason it would
smoke is bad, rings.
Speaker 9 (02:07:27):
Right incomplete combustion would be in a. Fuel so if
it's running, Rich if it's running.
Speaker 10 (02:07:32):
Rich, mark what did you, Say, well what he's, saying
fuel can cause. It you can get water in the
engine and basically fuel for most, cars that's going to be.
Speaker 5 (02:07:40):
It that's going to be, it, Right, Okay so water
or slash coolant or or fuel so so oh, yeah,
YEAH i never thought of. That so you get fuel in, there,
right that's another contamination if they find fuel in.
Speaker 9 (02:07:54):
It, well all three of those scenarios THAT i just
described don't require oil. Contamination all three of those scenarios
are results of actual introduction of that fluid right into the, cylinder.
Speaker 5 (02:08:07):
Meaning it's, wearing something is, wearing.
Speaker 9 (02:08:11):
It's or you, know the air fuel mixture is all rough,
right it could be good as bad. Now SO i
wouldn't worry about oil contamination at all because it's unnecessary
to go get this oil. Tested contaminated oil is not
going to cause dissension to. Smoke it's introduction of foreign.
Speaker 5 (02:08:28):
Materials well, yeah but contamination is introduction of foreign Material
it's sucked the. Definition IF i throw something into the,
OIL i am contaminating. It he wants to know was
this done? Intentionally and again it all depends on the. Source, yeah, Exactly.
Speaker 9 (02:08:45):
So he needs to see why it's.
Speaker 5 (02:08:47):
Smoking BUT i don't even know what he would do
if he did find that they contaminate.
Speaker 10 (02:08:51):
It, generally the only reason someone's going to get an
oil analysis is going to be they're looking for some
form of. Metal in the, END i don't know why
anybody would test for. Coolant you can pull the dipstick
and basically look for a milky residue and.
Speaker 5 (02:09:07):
Tell if there's a head gasket. Problem he believes they
put something in it that will be not. COOLANT i
think where he don't know what.
Speaker 10 (02:09:16):
They would check, for in other, words when you send
it out to.
Speaker 5 (02:09:19):
Type in other, words do they check for orange? Juice of,
course not like you, KNOW i don't. Know that's a good.
Question if you say to them we believe it was,
CONTAMINATED i don't.
Speaker 10 (02:09:28):
Know if they have a, test it's probably just come
back as water.
Speaker 5 (02:09:33):
Whatever it. Is you know YOU i think That dmitri's
recommendation was, first a good mechanic is a great. Idea
does oil analysis do anything? Yet? Does but, again start
with a, mechanic because if it's from natural, causes there's
nothing you're going to do about.
Speaker 10 (02:09:51):
It you know a lot of, dealerships if you have
something under, warranty the manufacturer might have, them or aftermarket
warranty they might the actually sends something out to make
sure the oil is.
Speaker 5 (02:10:03):
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and in, Fact deputy bo, SAID i couldn't be. Happier
he's going to McKenzie right. Now he is someone we
all use eight three three coo. Plans if you need
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you Choose frank durand the real Estate man dot com
to list your home With Remax alliance three oh three
nine two zero sixteen twenty. Two Hi Tom martino here
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(02:11:38):
Opener everything they do twenty four to seven like a
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is all of their prices and everything they, do one
clear choice doors Dot. Com all, right we have somebody
coming up who welcome to the. Show he has the
(02:12:03):
latest On wegmans Or wagman's SUPERMAR i want to start
by saying it all started when he had an incontinents.
Issue he had to relieve himself behind a. Tree he
made himself. Private they banned him from coming into the.
Store you got it all. Wrong what are you talking?
ABOUT i got it All, wait why are you saying that?
(02:12:24):
Mark that's exactly how it. Started, oh he didn't, urinate he. Incontinentized, okay,
Sorry and then, yeah it wasn't. Intentional and then he
just tried to hide himself as best as. Possible we
Called wagmans and really did call him and, say, look
can you give the guy a? Break and they, said
(02:12:46):
under no. Circumstances he's not just banned from that, location
he's banned from All. Wagmans last, time you, know he
accused our pharmacist of of of malpractice and wanted damages
and now he's looking for something here and we're tired of. Him,
basically they told us straight up he's. Banned. Drew what's the.
(02:13:08):
Latest you called in to tell us the? Latest what's going?
Speaker 25 (02:13:11):
On, well the LATEST i agree With Mark. Sea mark
SAID i should go ahead and ahead With wagmans and
one of your people to call me last night and
says they're rooting for. Me, so but the only WAY
i could do, That Tom wegmans has billions of Dollars i'd.
Have you'd have to set up some type of a
(02:13:31):
fund and give it to a lawyer.
Speaker 5 (02:13:33):
Like auld gofund. Me, no he's not talking about. That
he's talking about a fund that. Wagon so, You, drew,
listen here's WHAT i. Think everything in the last twenty
years that you have lived off of has been from.
Lawsuits you go from one lawsuit to. Another, no, truly
(02:13:54):
you have to admit that of all the people That
i've ever called the, show you have more lawsuits you
want to file than ANYONE i have ever.
Speaker 25 (02:14:04):
Known as A, christian ALL i do is live is
people do bad things and hurt the children In, PATTERSON
i take them to the. COURT i protected the people In.
PRINCETON i protect people as A christian preacher should. Do
most of the preachers are fake or just collecting. Money
(02:14:27):
i'm out. THERE i have a history of protecting people
in the.
Speaker 5 (02:14:31):
Court you also have a history of filing a lot of.
Lawsuits so NOW i need to ask you some clarification
on This wagman's. Issue what are you talking about setting
up a? Fund would you explain that to?
Speaker 25 (02:14:44):
ME i don't know BECAUSE i don't have a computer
or text or a cell, phone SO i really don't
know the modern. WORLD i just Know jesus and if
people are in, TROUBLE i try to help.
Speaker 5 (02:14:59):
Them what is the source of your income right? Now
i'm talking about, You, drew BECAUSE i think you're trying
to help yourself right. Now there's no one you're trying
to protect That. Wagman's you're trying to get money from.
Them let's be honest about, It, Drew. DREW i don't
want to be mean to, you BUT i want to be.
Honest you are looking to get money From wagman's because
you think they did you. Wrong what do you think
(02:15:21):
they owe?
Speaker 25 (02:15:21):
You Tom, see let me finish the. Sentence the money
you can, handle the money you can keep the. Money
IF i wanted, MONEY i could have been crooking the
last fifty years of my. LIFE i stay.
Speaker 5 (02:15:37):
Honest, Out, Drew, drew your sentence is going. NOWHERE i
asked you a. Question what do you want From wagman's right?
Speaker 25 (02:15:45):
Now i'd like From. Wagman's they're lying about, me libel
and slender has. It just let me shop, here that's
ALL i.
Speaker 5 (02:15:55):
Want, okay they won't do. It, now what we did
call for. You we did call for you and tried
to advocate for, you and we, said, look the poor
guy needs. Help he's. Disabled blah blah. Blah they won't,
Move so now what's your next? Move? Drew they will
not let you in the, store.
Speaker 25 (02:16:14):
Specause the security.
Speaker 5 (02:16:16):
People they won't let you in the.
Speaker 25 (02:16:18):
STORE i reported to one, Guy.
Speaker 10 (02:16:21):
Tom you you weren't listen the last time you. Called
you're missing a big part of. THIS a couple teenage
girls that work at the store came, up started shaking
their butt at them and wanted to have sex with.
Speaker 25 (02:16:33):
Them oh, wait the last. Part they shook their butt
at me and they, said come, ON i really don't
know if they wanted to have. SEX i never said That.
Speaker 5 (02:16:44):
Okay what do you want From Wagman's right? Now they're
not going to let you shop. There it's a done.
Deal they will not let you shop, there And.
Speaker 25 (02:16:54):
Mark mark is, right it should be us against.
Speaker 5 (02:16:57):
THEM i don't have anything Against wagmans right. NOW i
don't have anything Against wagmens right, Now, DREW i would
probably ban you from the store, too BECAUSE i think
you're looking for a. Payout and that's my honest to
god transparent. Opinion i'm not being a phony and talking
behind your. BACK i think you're looking for a payout
(02:17:19):
anywhere you can find.
Speaker 25 (02:17:20):
It, NO i wasn't bothering. ANYBODY i was just shopping
at the.
Speaker 5 (02:17:25):
Store and the, guy, well, okay they're not going to
let you shop. Again i'm going to ask you one more,
time what do you want From?
Speaker 25 (02:17:33):
WAGMANS i told you WHAT i want to.
Speaker 5 (02:17:36):
Shore they're not going to let you shop. There so
now what do we? Do what do you want? Now
they're not going to let you shop? There what do you?
Want it's a dead. Issue Bro mark.
Speaker 25 (02:17:45):
Had a good, idea he, said us against. Them you
do the, fund you keep the money for the FUN.
Speaker 5 (02:17:51):
I don't want any, money AND i don't want any.
Fun there's nothing to collect money. For AND i don't
know What mark, meant BUT i didn't get that from
What mark said we got coming up On The Troubleshooter.
Show
Y'all ripped, didn't need advice?
Speaker 2 (00:09):
Who you don't have?
Speaker 3 (00:12):
Come running just as fast as we can.
Speaker 1 (00:16):
Shooter's gonna help come.
Speaker 4 (00:19):
Man Dix is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 5 (00:26):
Tom Martino here, Welcome to the show. Three oh three
seven one three talk three oh three seven one three
eight two five five. Here to help you solve problems,
answer questions, take make your life a little easier. We
have a studio full of people. I'm gonna bring them
up for those streaming and uh we have Frank Dran,
the real estate man, one of my favorite people on.
(00:48):
We also have uh John Clace from Partner in Lending
dot com or CMG Mortgage. We have Stephanie Thomas from
Stephanie Art dot com. Stephanie is in the Springs area.
So we'll talk a little real estate, but we'll talk
what callers want to call about. So get your calls
(01:09):
in at three oh three, seven to one three talk.
Of course, you can call three oh three Martine, that's
our main number. You can call twenty four to seven.
Leave a message. We'll get back to three oh three
six two seven eight four sixty six. I want to
get right to Chloe who called in and we're calling
her back on on groove Subaru twenty eleven Honda Pilot. Uh, Chloe,
(01:33):
what's going on with you? Let's just start out with you.
By the way, Hi, John, Frank and Stephanie. We'll get
to you in a minute. Here, Chloe, what's going on?
Speaker 6 (01:42):
Good morning? So I end up calling in and hoping
for a little bit of direction. So in January of
this year, we had founder vehicle with Groove Subaru that
we wanted to purchase, and we were okay with the
as is conditioned that was in.
Speaker 7 (02:00):
It was supposed to.
Speaker 6 (02:00):
Be just a family car.
Speaker 5 (02:03):
And what was what to give me? Is a twenty
eleven a Honda Pilot.
Speaker 3 (02:07):
Yes?
Speaker 5 (02:08):
And did you actually buy it? Yes? How many miles
on it?
Speaker 6 (02:14):
So that's where the tricky part comes in. So at
the time Theodomeino read two hundred and eleven.
Speaker 5 (02:21):
Thousand, Oh my god, why would you buy a car?
You know you will have problems. There's no doubt in
anyone's mind. You will have major problems with any car
over two hundred thousand miles.
Speaker 6 (02:34):
Yes, but the mechanics I could handle, because that is
actually something I and my friends do. So that wasn't
the issue. Okay, sign that's like literally, yep, that's what
we wanted for.
Speaker 5 (02:45):
And okay, So a two thousand eleven Honda Pilot two
hundred thousand miles from Groove, Yes, and where are they located?
Speaker 6 (02:55):
In Inglewood, Colorado?
Speaker 5 (02:58):
Okay? So what's the problem.
Speaker 6 (03:01):
So a month after or almost two months after March
this year, they sent us an email stating that we
had to sign a document that was a branded title
disclosure that they had forgot to do in the.
Speaker 5 (03:16):
Previous Oh hail, no, don't sign that.
Speaker 3 (03:20):
We did it.
Speaker 6 (03:21):
We did it, and so we're like, okay, we'll see
breach it mark. And so when we got it, it
said that the odometer was campered with and it was
not actual mileage. So we did not know this when
we bought the vehicle.
Speaker 5 (03:39):
And then they wait, you got both. You got both
of those disclosures. It was a salvaged a branded title.
Was that why it was branded because of the odometer?
Or was it it because it was in an accident
because of the odometer? Oh okay, that's why the title
was branded. Yes, yes, So what did you do and
(04:02):
where does it stand? I mean, this is an exciting story.
Where does it stand right now?
Speaker 6 (04:07):
So obviously at that point we said we did not
know this, we are not comfortable with this. The document
itself doesn't even have the correct date that we bought
it on it, and it also has white out in
the signature area.
Speaker 5 (04:20):
Well, none of that matters. You already got an out.
For goodness sakes, this was in January. You bought it. Yes,
why didn't you? Okay, I'm hoping they gave your money
back and it's all over right the way I'm saying, bhone.
Speaker 6 (04:34):
Call the bhone calls now, they will not do it.
Speaker 5 (04:38):
Wait, wait, did you sign the new document?
Speaker 8 (04:40):
Yes?
Speaker 9 (04:40):
You signed it.
Speaker 5 (04:41):
Oh oh, well, what do you mean? How can they?
Did you go to the dealer licensing board?
Speaker 6 (04:50):
I so we live in Wyoming and we don't know
how to handle this. That's kind of why I'm calling you.
I don't know.
Speaker 10 (04:55):
What you said it Number one's dealer licensing board. They'll
get it involved into this so quick. It's crazy.
Speaker 5 (05:03):
This is you got to do that first. You got
to do that first. And all you do is make
a complaint against Groove Subaru. You say you bought a
car twenty eleven Honda Pilot two hundred thousand miles and
two months later or three months later, however long I
get notice of a branded title due to an odometer tampering,
(05:26):
and then what you have to do is basically get
get the deal? Undone, what have you done with the
car in the meantime?
Speaker 11 (05:36):
I we still have it.
Speaker 12 (05:37):
I mean we're have you.
Speaker 5 (05:39):
Been using Have you been using it?
Speaker 7 (05:42):
No?
Speaker 5 (05:44):
Yeah, they're just stonewalling you. Man. They want you to
go away.
Speaker 10 (05:47):
You have to file with the dealer licensing Board and
they have they have nothing they can do not to
get you out of this deal. If you were driving
it were what Time was alluding to was they can
charge a certain amount per mile, but if you haven't
been driving it, it doesn't matter.
Speaker 6 (06:04):
Yeah, okay, perfect.
Speaker 5 (06:08):
So does the odometer statement say anything about true mileage unknown? Yes?
Speaker 6 (06:16):
It does.
Speaker 5 (06:18):
You know, what's crazy?
Speaker 3 (06:19):
Tom?
Speaker 10 (06:19):
What'd she say? It had two hundred thousand on it?
What does this mean it's actually got four hundred thousand.
Speaker 5 (06:25):
It's nuts? Well, yeah, but Mark, they made somewhat of
a disclosure because she said the odometer statement alone says
true mileage unknown.
Speaker 9 (06:33):
But I think that's the adometer statement she was asked
to sign. Long after the deal.
Speaker 13 (06:39):
Wait.
Speaker 5 (06:39):
Wait, is that the odometer or asked to sign afterwards
or when you originally bought it?
Speaker 6 (06:45):
No?
Speaker 5 (06:47):
After okay, okay, but the original odometer statement said nothing
about that.
Speaker 12 (06:53):
Correct.
Speaker 5 (06:55):
Yeah, you're you're in the driver's seat, so to speak.
Call the dealer licensing.
Speaker 10 (07:01):
And that's why these well I'm strett calling you back.
I mean, what are they going to tell you we've
got and do the deal? I mean you would think
they would, but they won't.
Speaker 5 (07:10):
Exactly. Okay, Now I'm going to tell you the number off.
Let's say I can do it off the air. I'm
looking in my database here of complaint. Wait, I have it.
I have it in a contact I have a person
there to talk to. But anyway, here have they What
(07:33):
when was the last time you talked to them? April?
And what did they say to you at April? You
have to sign this? Uh?
Speaker 6 (07:43):
We actually had it recorded, so he was trying to
say that he he's helping me the best that he can,
and it just must have been a misunderstanding on our
part that he remembers us like it was yesterday and
he remembers the conversation and obviously, no, that's not how
(08:03):
it went.
Speaker 5 (08:05):
Okay, there's the Colorado Auto here. Here's what you call
the dealer licensing board. Okay, and let me just give
you the right number. They have three oh three two
zero five fifty six ninety six. Ask for the dealer
(08:27):
licensing board. Okay. Now there's another one two. They give
three oh three two zero five five six zero four.
I would try that one first, and then then you
say I want to file a complaint. What they're going
(08:47):
to do is have you go to the website. It's
the Colorado Auto Industry Division website. It's called you just
this just.
Speaker 10 (08:55):
Made me think of something. I think I'm off base here,
but I want your thoughts on it. When you go
to a closing on a house, if you forget to
sign a document, you agree that you'll go back when
you close on a car, I assume you sign something similar,
but I don't think this would be.
Speaker 5 (09:12):
But nothing that would wave nothing that would wave your
rights like that, nothing at all exactly.
Speaker 10 (09:17):
I wonder if that's what they're trying to hang their
hat on with her, though, like, hey, you agreed to
sign this.
Speaker 5 (09:26):
No they but it wouldn't work. But that's a good thought.
I'm Tom martine An issue with a landscaper coming up,
an issue with an employer coming up, an issue with
grease monkey coming up. We have more right after this.
I want to tell you water Pros has the best
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(09:47):
offer you a whole house system for forever chemicals, plastics,
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It is unheard of, but they do it. Waterpros dot net.
Don't go anywhere else three h three eighty six two
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(10:07):
best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Leave time for an insurance check
up 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 his only customer when you choose Frank durand
(10:28):
the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen
twenty two, paying three O three seven one three talk
seven one three a two five five, Jason, what's going
on with the landscaper? Jason?
Speaker 11 (10:51):
Are you there?
Speaker 5 (10:52):
Yes, sir, what's going on? What landscaper you having trouble with?
Speaker 14 (10:57):
So I'm actually I'm I'm actually the landscaper.
Speaker 5 (11:01):
Oh, I'm sorry, Jason. What's going on?
Speaker 14 (11:05):
So I'm doing work for some lady, or I was
doing work for some lady and.
Speaker 11 (11:13):
Things just started going sideways, and now she's holding my
tools hostage. I'm pretty sure.
Speaker 5 (11:23):
Okay, tell me how it started, man, tell me how
it started.
Speaker 6 (11:28):
Okay.
Speaker 14 (11:29):
So I do work for a gentleman that mows a
bunch of lawns. He referred me to this lady. Last year,
I was going to redoce some of her drip system.
I just had a kind of a weird feeling about
the lady, so I ended.
Speaker 11 (11:44):
Up not doing it last year.
Speaker 14 (11:46):
The gentleman again this year.
Speaker 11 (11:47):
Asked me if I could go back do the job.
I said that I would.
Speaker 14 (11:53):
I went over to the lady's house last Thursday.
Speaker 5 (11:57):
I believe, like.
Speaker 14 (11:58):
The seventeens, her manifold was leaking from the main line
and I told her, I said, this needs to be
fixed before we can do the drip system. Because she
thought her drip system was leaking. But I told her,
I said, the.
Speaker 11 (12:14):
Manifold and the main line.
Speaker 5 (12:18):
I don't need Jason. I love that you have this
detail and I don't need it. I need to know
right now if we call her and say, and by
the way, she doesn't have a right to take your
tools without a rid of execution and a judgment. So
if we say why are you keeping his tools? What
will she say that?
Speaker 14 (12:39):
I have her old parts, the old valves, the old.
Speaker 5 (12:45):
But you installed new ones, right I did. Okay, there's
no law you had to keep that old stuff. I
want to ask another question. How much did she pay you?
How much did she pay you?
Speaker 8 (12:58):
Please?
Speaker 12 (12:58):
Paid me?
Speaker 11 (12:59):
I believe I have four hundred and twenty five dollars,
But that's that doesn't even cover parts.
Speaker 5 (13:06):
No, I get it, But what does she owe?
Speaker 11 (13:13):
That's the thing she kept.
Speaker 14 (13:14):
She wants me to keep.
Speaker 11 (13:15):
Doing more and more work.
Speaker 5 (13:17):
I need to know. Do you have a contract with her, Jason?
I'm asking some simple questions. No contract, I don't know. Okay,
So how do you know she's going to pay you
for what you do?
Speaker 14 (13:31):
I was just taking her word?
Speaker 5 (13:34):
Okay, why is she if you wanted to go over there.
If you wanted to go over there and get your tools,
which you have every right to do, and take a share, deputy,
what would she She won't let you. We'll call her
and tell her how wrong she is. This is not
how she handles this.
Speaker 8 (13:48):
I already went over there with the shriff's deputy.
Speaker 11 (13:50):
This morning at eight o'clock. And I tried going over
there last night with the shriff's deputy, but they stop.
They stopped the call at five, so I couldn't do
it last night. So I went over first thing this
morning with the sheriff's deputy for a civil assists and
nobody answered the door. And I don't think she's home,
(14:12):
and she wouldn't answer the cops calls, and she won't
answer my calls.
Speaker 5 (14:19):
We should try to call her. I'm going to have
Deputy d call over to her.
Speaker 9 (14:23):
I'll do it right now.
Speaker 11 (14:24):
Tom is that Deputy Chopper?
Speaker 14 (14:28):
I think I actually we texted him this morning.
Speaker 9 (14:30):
Oh wait a minute, so he's already got somebody working
on this.
Speaker 5 (14:33):
How did you? How did you?
Speaker 14 (14:37):
How did you know that number?
Speaker 5 (14:39):
Why is that you?
Speaker 8 (14:40):
Guys?
Speaker 14 (14:40):
Do you guys help with the problem that my niece
had a while ago?
Speaker 5 (14:43):
And I had his.
Speaker 11 (14:44):
Number on my phone as Tom Martino DT.
Speaker 5 (14:47):
Okay, all right, ask Kitschina, make sure Chopper follows up
on this.
Speaker 3 (14:54):
Got it?
Speaker 5 (14:56):
Oh man, she doesn't have a right to do this.
Speaker 3 (15:01):
And the thing.
Speaker 14 (15:01):
Okay, gosh's preventing me from doing more work.
Speaker 5 (15:05):
I know, well you you know. Listen, how much? What
are your tools worth?
Speaker 11 (15:11):
Oh dude, it's a couple of show boos.
Speaker 14 (15:14):
So every time I would go to the job, I
need to ask you again, what are your tools worth?
Speaker 11 (15:20):
One hundred and eighty dollars?
Speaker 8 (15:22):
One hundred and take.
Speaker 5 (15:23):
Dollars if I were you. Okay, that's not important. Then
what is important? Why don't you just move on, dust
off your feet, go to small claims court and call
it good.
Speaker 9 (15:33):
Not only for the tools but loss of income.
Speaker 14 (15:37):
Because I exactly, I've lost a lot of income going
back and forth to this lady's house trying to get
my tools.
Speaker 5 (15:45):
Yeah, but you got a fusion. Okay, you're not going
to be able to sue. I'm just going to tell
you the truth. You can't sue for thousands of dollars
in income when you can go out and mitigate your
damages for one hundred and eighty bucks. So that's not
going to work. Okay. What you need to do now
is spend one hundred and eighty bucks and get the
tools and then go back and sewer for the for
(16:05):
reasonable for a reasonable loss. Three oh three seven to
one three talks seven one three eight two five five. Kenny,
you have an issue with an employer. What's going on? Kenny?
Speaker 15 (16:16):
Yes, Hey, Tom, So, I have an employer that owes
me about I would say around ten grand in money.
I left his left his about i'd say in November
towards the end of last year, and he had some
jobs that were currently waiting to get closed out, and
(16:36):
now those jobs have closed out. He paid me not
I'd say maybe about four months ago. He paid me
towards the end of a couple other jobs. And now
he has about four jobs of mine.
Speaker 8 (16:46):
That are completely closed out.
Speaker 15 (16:48):
I know they are. And when Eye contacted.
Speaker 5 (16:51):
Well, what, first of all, were you a W two employee?
Speaker 16 (16:54):
Oh sure, I was at ten ninety nine.
Speaker 5 (16:57):
And you were an outside salesperson?
Speaker 8 (17:00):
Yes, sir, yes?
Speaker 5 (17:02):
And did you and did you have a contract?
Speaker 8 (17:05):
Yes, sir, we did, we did.
Speaker 5 (17:07):
And what did the contract say you'd be paid?
Speaker 15 (17:09):
When the contract stated that we would be paid two
weeks after final payment was collected from the homeowner.
Speaker 5 (17:19):
And what reason is he giving you to not pay?
Speaker 15 (17:22):
He just says, it's the company. It's the company's process,
he said, due to how long it took for payment
to be collected, so on and so forth. It's the
company's process. That's the expand that's extending this.
Speaker 5 (17:36):
So now, what kind of work did you do? What
kind of work did you do?
Speaker 15 (17:40):
I was a complete extraior restoration, so roofing, siding, windows, gutters, all.
Speaker 5 (17:45):
The good stuff, all right, mainly roofing.
Speaker 8 (17:51):
I would say, we did it all like some.
Speaker 15 (17:53):
Most of my jobs that I had were roofing, gutters
and siding.
Speaker 5 (17:57):
Okay, listen, not allowed to play like this with your
money unless you agree to it. Did the agreement agree
to it? No, sirre okay. Do you have a copy
of that agreement?
Speaker 8 (18:18):
Yes?
Speaker 5 (18:18):
I believe I do. Can you get us that copy
and I'll give it to Deputy d Over here to
look at and he might call those people and tell him.
Speaker 15 (18:28):
Yeah, absolutely, do you uh is the troubleshooting email to
get emails to sign that to?
Speaker 5 (18:33):
Well, we're gonna help at troubleshooter dot com. Get it
to us quickly, even during this show, and we can
see what we can do. So get that to us.
I'm Tom Martinez three oh three seven to one three
talk seven one three eight two five five fix It
twenty four to seven. They guarantee a no breakdown for
(18:53):
your ac Now it's we're deep in the season. We
got a lot of heat to go the extreme clean
check in tune for just thirty nine bucks. Listen, you
pay more than that for coffee in a week. Fix
It twenty four to seven also gives free second opinions.
So please avail yourself of this great company that believes
in fixing and keeping things running before replacing. But if
(19:16):
they tell you you need a replacement, get free second opinions.
Fixmihome dot com. Book now go with a sure thing
Denver's Best roofer Excel roofing dot com. You don't pay
a cent until you're content. Time for an insurance check
up free no obligation. In comparison, call Compass Insurance paying
(19:39):
too much your coverage at dozens of insurance companies find
out now three all three, seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate man dot com to list your
home with Remax Alliance. Three all three nine two zero
sixteen twenty two. I'm Tom Martino. You're a troubleshooter. Three
(20:03):
all three seven one three talks seven one three eight
two five five is the in studio number while we're
alive the number twenty four to seven, including in studios
three h three Martino pass that around three oh three
six two seven eight four sixty six. John places with
SAMG Mortgage. John, we advertise for you the all in
one loan, give me, give me a rundown. I like
(20:26):
to call it a thirty year line of credit that
you can pay up or down. Well, you borrow up
and pay down at will, and it allows you the
freedom of paying more or paying less. Can you explain
more about it?
Speaker 17 (20:42):
Yes, it does so all in one loan. It's it's
the only kind of a loan that it's a first
lean helock. And it's tied together with a checking account,
so you think about your checking account. Checking account, it's
usually a place just to hold your money. Well, now
you're checking account with this. It has an automatic sweep account,
so if you have a two hundred thousand dollars loan
and you deposit five thousand into the checking account. At
(21:04):
the end of that business day, that five thousand sweeps
over and the two hundred goes to one to ninety
five and you only pay interest on that. But if
you've got to pay a bill for one thousand dollars,
you just write it just like a regular check and
it automatically pulls out. So it's one of the most
efficient ways to use your money, and your money's always
working for you.
Speaker 5 (21:22):
So it's also giving you really good interest on a
checking account if you think about.
Speaker 17 (21:27):
It correct because you're saving interest with saving interests is
the same as earning interest.
Speaker 5 (21:32):
It's the same exact thing I tell people get rid
of high interest debt. And then when you have a
loan like this and you put a checking account in there,
if you have a lot in your checking account, it's
saving you that much interest every day and.
Speaker 17 (21:44):
The money's always staying liquid. So that's the key is
you always have access to your funds. But it's the
most efficient way, and like you said, you're actually saving that.
That's a great way to put it is you're making
money a lot higher interest on your checking account that
usually you don't make any anything on.
Speaker 5 (22:00):
Now are people using it?
Speaker 13 (22:03):
Yes, we are doing well.
Speaker 17 (22:05):
We're doing over across the country over a billion dollars
a year in this product. It is really become a
popular People are really starting to know about it, and
it's it's really it's really math. So it really makes
sense for the right person if you got your debts
in control and you want to pay off some debts.
It's just it's really a common sense once they look
(22:27):
at it and see how it operates.
Speaker 5 (22:30):
So if you the more money you have in your
checking account, the more interest you save.
Speaker 13 (22:34):
On your loan, that is correct.
Speaker 17 (22:36):
For example, I have a lot of clients who might
have a five hundred thousand dollars loan and they have
fifty thousand sit in the savings for any day fun.
But they leave it there because it's liquid. They don't
put it against a regular amortized mortgage because then you
can't get it back out. Well, here, you just move
it over. It saves you interest until you're going to
use it. You may need it six months from now,
you need to may pay pay pay IRS, taxes, But
(23:00):
why that money's sitting there, it's saving you interest it's working.
Speaker 5 (23:03):
Now, John, are you telling me it is truly as
simple as writing a check.
Speaker 17 (23:08):
It's truly as simple as writing It's like any other check.
It is any other checks. Account you have, it's got
online bill pay, debit card, and it's as easy as
writing a check.
Speaker 13 (23:18):
I am telling you that if.
Speaker 10 (23:19):
You've got a small business and sweep into that account
every night, you could literally have no mortgage payment.
Speaker 17 (23:25):
Ever, we do a lot of the self deployed people,
and why the money's sitting in their business account they
can move it over Then when they got to pay
the expenses, they move it back to their business accounts
to keep the accounting good. But yes, why that money's
sitting there parked? It saves them a lot of interesting.
Speaker 5 (23:41):
Now, the housing market is a lagging economic indicator. It's
not a leading indicator. It's a lagging indicator, and it
does tell us or solidified what we think about the economy.
(24:02):
It doesn't predict it, but it can predict more serious times.
If the lagging indicator shows a slowdown, it means there
could be more of a slowdown coming. So I'm going
to ask Stephanie, what are you noticing in the housing
market in the Colorado Springs or Pike's Peak area as
they call it.
Speaker 18 (24:20):
You know, our days on market.
Speaker 2 (24:22):
Have consistently, I think, been writing in that seventy to
eighty range our active property How what.
Speaker 5 (24:30):
Is that year over what is that year over date
or two years over date?
Speaker 2 (24:33):
Oh goodness, two years ago, I think we were probably
half of that. I don't have that number in front
of me off the top of my head, but probably
what about last year reasonably? So I do think those
are increasing, but we're kind of you know, the last
several months that we've talked about this, we've been in
the same range. So the good news is is I
don't think we're you know, skyrocketing, super high anything like that.
(24:55):
Our current active properties in Colorado Springs, we've got a
little under three thousand, and we have a little over
one thousand under contract.
Speaker 5 (25:03):
No, I don't know what that means. So when you
say three thousand, is that up or down?
Speaker 18 (25:08):
I think that's up, but it's not horrible.
Speaker 2 (25:11):
So what I was getting to is having a little
over one thousand under contract, we've got a little under
three months inventory, which really puts us kind of in
a balanced position. It's not you know, super strong swing
either direction.
Speaker 5 (25:25):
What about on the negotiating side, do you notice sellers
giving in more or buyers giving in more?
Speaker 2 (25:31):
Right now, I'm seeing some negotiation on both sides. I
think that values are still at a reasonably strong point.
Speaker 5 (25:39):
So is it a balanced market you're saying for buyer sellers?
Speaker 18 (25:41):
Yeah, our inventory indicates that.
Speaker 2 (25:44):
But also the ability of a buyer and seller to
kind of negotiate a win win for each of them.
That really does kind of keep us in that position.
I am seeing, you know, buyers negotiate some seller concessions things.
Of course, they can utilize that to buy down interest rates,
pay hosing costs, you know, depending on the loan type,
in what that all looks like. But really it's really
an opportunity time in our market.
Speaker 5 (26:05):
Christine is on the phone, Christine, while we're talking to Stephanie.
Thomas chimes in, here, go ahead, Christine, what are you
going to tell us here?
Speaker 8 (26:15):
Well?
Speaker 5 (26:15):
I just think she's wonderful.
Speaker 19 (26:18):
I had my house on the market for nine months, one.
Speaker 8 (26:23):
Offer that was so low it was ridiculous.
Speaker 18 (26:27):
When my contract expired, I gave it to Stephanie, and I'm.
Speaker 19 (26:31):
Pretty sure in twenty three days we may have a
solid offer.
Speaker 5 (26:36):
So kudos to Stephanie. Christine, thanks for calling. We really
appreciate it. That's a genuine call from Christine. Talking about
Stephanie Thomas. Do you find a.
Speaker 10 (26:46):
Lot of She said that her other broker, it was
their and then the contract finally expired. How long do
you think that contract was?
Speaker 13 (26:53):
Do you remember?
Speaker 18 (26:54):
She said? They worked together for about nine months.
Speaker 10 (26:57):
Yeah, and they just wouldn't let her out after not
performing at all, didn't.
Speaker 5 (27:02):
I I cannot stand a real estate broker or agent
that won't let someone out of a contract. Why hold
someone hostage? I have never driven. I can't stand them.
By the way, here's a text that came in. By
the way, you can text me and I got to
remind you of this. I keep forgetting, but this comes
to my personal cell phone. Twenty four to seven. You,
(27:23):
honest to god, can text me at any time. Seven
four seven nine nine nine fifty two eighty. You can
text me if you need consumer help and we'll get
you on the show too. Seven four seven nine nine
nine fifty two eighty. It said I had an AU
all in one loan underwritten by CMG. It was awesome.
(27:45):
Most people can't wrap their heads around it. John, Do
you find that's the biggest barrier to entry.
Speaker 17 (27:55):
I do, because we've been uh, people have been just
fixated on what's my race, what's my thirty year mortgage,
and what's my rate, And they don't realize with a
thirty year mortgage, no matter what your rate is, you're
paying you're paying mostly interest for the first twelve years.
Here you pay principal first only loan. But yes, they
(28:16):
have to wrap their head around does it really work?
And it because it is.
Speaker 10 (28:20):
It is math and that offset though a lot of people.
You got to take that into a true calculation.
Speaker 17 (28:26):
You do, and the way it off sets and the
way it pays. It's the only loan that pays principal first. Well,
all the other loans is you're you're almost it used
to be. You're probably paying you know, a third of
your house costs in interest to the bank before you
start paying principal down.
Speaker 13 (28:44):
And this is the opposite.
Speaker 5 (28:46):
It's Partner in Lending dot Com now Frank drand the
real estate man right after this, I want to know
what the hell is happening in the Denver area. Plus,
we'll take your calls. Three oh three Martino three O
three six two seven eight four sixty six Denver Region.
Mark's been losing weight like crazy. They also do treatment
for peripheral neuropathy through stem cells. I've used him for
(29:08):
back pain. They are wonderful people with effective treatment. Denverregen
dot com. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation.
(29:32):
In comparison, call Compass Insurance pain too much your coverage
at dozens of insurance companies find out now three O
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three three nine two zero sixteen twenty two. Hi Tom
(29:52):
Martino here, Welcome, please to the show. Welcome, please to
the show. Frank Duran, the real estate Man. He's a
great guy. Frank in a word, Denver real estate market,
Denver and beyond, from Castle Rock to up North. Tell
me what's going on?
Speaker 20 (30:08):
One word correction, but I'd say I'd add another word
soft correction, Tom, because I'll tell you what Perilter dot Com,
forty percent of sellers opted to d list and wait
for a better market. So, unlike the bubble in two
thousand and eight, today's shift does not resemble mass panic.
Speaker 5 (30:23):
I don't think sellers are panicking.
Speaker 20 (30:24):
In fact, recent Denver rates delinquency is at one point
seven percent compared to twenty ten, which is eleven point
five percent. So definitely, I think we're seeing a soft correction,
but no reason to panic at all. In fact, I
think many sellers, if they can't get the price, many
of them are pulled them off the market.
Speaker 5 (30:40):
Is it a seller's market or a buyer's market?
Speaker 20 (30:42):
I would say more of a balance market, tom, because
right now inventory is a little over fourteen thousand homes,
which is the most we've seen since twenty eleven. Back
in two thousand and eight, we were a little over
twenty six thousand homes active on the market, so that
was a true buyer's market.
Speaker 5 (30:55):
We're here's more balanced, I believe. I want to know
net influx or exodus on the state. Do you guys know,
are we getting more people in and are moving out?
Or move people moving out?
Speaker 20 (31:05):
I'd say we have less people moving in. Statistically, than
we've seen in the last so many years. But you know,
you know how that goes. Tom's that's a moving target
to get it, and there's a pun there. It's a
moving target from people moving.
Speaker 5 (31:19):
In or moving out. But Frank Day's days on market
compared to last year, Yeah, so days on market are
definitely up.
Speaker 20 (31:27):
In fact, we're sitting around average around thirty seven days
in MLS, and for attached properties that's gone up to
fifty five days in MLS. So the attached properties like
your condos and town homes. But I'll say this, Tom,
the million dollar plus market has been really rough. If
last I checked, the inventory is I think over fourteen
months of inventory in certain price segments over two millions.
Speaker 5 (31:48):
So that's gonna stay. Overpaid.
Speaker 10 (31:49):
Oh my gosh, there's a lot of homes that are
over a million bucks. If you looked at ten years ago,
they're half a million dollars mark.
Speaker 5 (31:57):
They they either mark they either overpaid aid or the
homes over appreciated. I mean, how many times has this
happened to us over the years, Where I'm sitting in
a home that is what they say it's worth, I
would never pay and I'm living in it. You know,
think about that one. I mean, I know that happens
(32:18):
to a lot of people, and so they move into
a home. It's not worth in their minds what the
market says it's worth, but when they go to sell,
they want every penny of that market. And sometimes, Frank,
here's what I want to know, Frank or Stephanie. Are
we going to get a correction and prices. I've not
(32:41):
seen a correction and prices so much. Will values come
down at all? You know?
Speaker 20 (32:48):
Tom, here's what's going to happen. I believe right now
prices have remained strong. But here's the deal. With more
inventory hitting the market, I think that will follow suit
at some point and we may see prices soppen a
little bit. I don't see the market tank and whatsoever though,
and reason being is a lot of sellers versus two
thousand and eight have more.
Speaker 5 (33:06):
Go with a sure thing Denver's Best Roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
(33:28):
when you choose Frank durand the real Estate Man dot
Com to list your home with Remax Alliance three oh three,
nine two zero sixteen twenty two.
Speaker 1 (33:41):
Rip News need so you don't have.
Speaker 3 (33:48):
Come runs as fast.
Speaker 4 (33:50):
As you can.
Speaker 1 (33:52):
Shooter's gonna help.
Speaker 8 (33:53):
Come, man.
Speaker 4 (33:55):
This is the Troubleshooter Show. No Tom Martinez.
Speaker 5 (34:00):
Hey, I am Tom Martino, and welcome to the show.
Forty five years in Denver, solving your problems, talking to
hundreds of thousands of consumers with issues, and for the
last several several years, I have Major Mark Major with me.
I got Sus the executive producer behind the behind the
(34:24):
team which is on the air and also helping us.
And then I have great experts. God, I love my experts.
Frank durand the real Estate Man dot Com a dear
friend of mine thirty years or more in the biz.
I got Stephanie Thomas from Colorado Springs area, Pikes Peak area,
(34:46):
and she's doing a great job down there. I have
John Clace. I had known John and his brother, his brothers,
his dad, the family for years and years and John
is with CMG mortgage or CMG financial partner in lending
dot com. And then I've gotten to know this young woman. Uh,
(35:08):
she is such an expert and a godsend to the
solar industry because I'll tell you why there are so
many clowns in the solar industry. You know, Brooke, I
don't think people know that when someone sells you a
solar system, they're usually not in the solar business. They
(35:31):
just sell the contract and move on, and then someone
else comes to install it. Isn't that right, Brooke?
Speaker 21 (35:40):
That's one hundred correct.
Speaker 5 (35:42):
Yeah, And then the people who install it, if you
have a problem or something, you can't even call that
back because now no, I mean you're left out in
limbo most of the time. In fact, many of your
calls you help people who've had systems put in by
other people because you're a full service company. Now there's
(36:04):
a reason I'm going here with Brook. I need her
as an expert for something. But Brooke not only has
the team to sell the systems, they have the teams
to install it, the teams to service it, and everything
in between. Brooke is now going her emphasis is from
solar residential to commercial. And the reason we talked about
(36:28):
is that there is so much potential and so many
government giveaways in a good way. And for greenees who
love the idea of battling climate change and helping the environment,
there's nothing better than having a business go solar. Or
if you're just a greedy person who wants to save
(36:49):
money and make money, you can do that with a
commercial system. She's got commercial systems that have been paid
for one hundred percent. Imagine having come and do a
system and you never have to outlay any cash. Not
only that, if you had a strip Mall Brooke, you
can have a landlord making money on a solar system
(37:11):
that's paid for one hundred percent, but have tenants pay
him for electricity and he pockets the money.
Speaker 8 (37:19):
Is that right, Yeah, that's correct.
Speaker 21 (37:21):
They would become the utility company, so I would just
increase their bottom dollar.
Speaker 5 (37:27):
Now let's see what Paul has to say again, brook
is on as our expert. I just wanted to lay
some foundation for redrosars dot com. And I'm still talking
to her. By the way, you've about tax credits, I
am I have one intention of buying commercial tax credits.
I've that the hardest thing in the world is to
(37:49):
get a damn attorney to review a solar credit contract. Brook,
hardly any of them know. Once I find one, though,
we can use it as a rubber stamp for your future,
because these guys are rare to come by. But I'm
gonna I'm trying to get someone. If anybody knows attorneys
that are familiar with solar credits and tax credits and
maybe a good tax attorney I should get. Maybe That's
(38:11):
what I'll do, So Brooke, without further ado, let's bring
up Paul. Paul, welcome to the show. You're on with
Tom Martino and Mark Major. What's going on?
Speaker 22 (38:25):
First of all, good morning, Tom, thank you for taking
our call.
Speaker 16 (38:29):
And I'm a big fan.
Speaker 5 (38:31):
Thank you. My wife is here and she wanted to
spearhead this conversation. All right, what's your wife's name, Paul Erica? Erica,
go ahead, I'm listening to you.
Speaker 22 (38:45):
Hi, Tom. I am absolutely the grainy you're talking about.
When we first went and got a house right before
the pandemic, great timing, and I always wanted to put
solar on it and get renewable energy established for our home.
Speaker 23 (39:00):
That we kind of we went and.
Speaker 22 (39:01):
Did nine different bids for nine different companies and ended
up choosing smart Wave Solar.
Speaker 5 (39:09):
And so did you buy it or lease it?
Speaker 22 (39:12):
We bought it, well, so we finance.
Speaker 3 (39:17):
Yeah, we have a loan, so.
Speaker 5 (39:18):
We bought it again, I understand. Is it called and
the company was smart Waves.
Speaker 22 (39:24):
Yes, smart Waves Solar. God originally you want to think?
And then yeah, kind of expanded to Colorado.
Speaker 5 (39:32):
And when did you buy this? When did you buy it?
Speaker 22 (39:34):
By the way, twenty eighteen?
Speaker 5 (39:38):
Oh okay, okay, I'll to check my agreement.
Speaker 16 (39:42):
Sorry, we bought it in twenty eighteen.
Speaker 5 (39:44):
That house a solar team.
Speaker 7 (39:46):
Uh oh, twenty two.
Speaker 22 (39:48):
I'm so sorry, I am all of it.
Speaker 5 (39:50):
That's okay, okay, so keep going. Then, so then what happened?
Speaker 22 (39:54):
We bought it in twenty twenty two and it was
the whole insulation and was I mean just chock full
of fun experiences. They delivered the materials, all of the
modules from the distributor to our home, but outside of
our home on like this bike path that goes outside
of our home, and one of our neighbors thought it
(40:16):
was free.
Speaker 5 (40:16):
And so then said Erica, Erica, I am sure that
you have a litany of problems in history that is
reads like a comedy now, no, no, no, no, I'm
just saying I might want to hear some of this
stuff to fill in the blanks, but for now I
want to ask you, have you ever had this system
up and operating since twenty two?
Speaker 22 (40:38):
Absolutely? Yep, it's been up and operating. And then I
actually decided to get into the solar industry myself, so
I decided to work for a solar company. I then
was scheduling all of the crews to go and install
all of the systems, and then I transitioned to a
new role in the service department where I schedule our
service technicians to go back and to fix all of
(40:58):
the systems. So that kind of got me thinking about
my own system, and I checked in on my monitoring
portal to see how it was doing, and I saw
it was clipping, which is the act of it not
being able to produce more than so, the DC that's
coming in my AC was clipping it because my AC,
my inverter that's on the side of my house, doesn't
have the capacity to.
Speaker 5 (41:19):
Now did you have did you have your team check
out your system?
Speaker 21 (41:25):
I did have my team.
Speaker 22 (41:26):
They happened to be close by on a service call.
And I had them just kind of come and take
a look at the inverter.
Speaker 5 (41:31):
Yet what did they say about it?
Speaker 22 (41:34):
So I actually before I even had my team come out,
I went outside myself and looked at my system. And
it turns out that they installed a seven killo inverter.
They sold me a nine point six kilowat system, and
then after reviewing the designs during the sales process, they
had to resubmit to a Rapahoe County because they didn't
(41:54):
include the setbacks requirement and so in order to they
have to move panels that were or really good spots
for production, they had to move them away from the spot,
so they added TODE.
Speaker 5 (42:04):
All right, So bottom line is this, Here's what I
need to ask because I want to get to the meet.
They installed a smaller system than as written in your contract,
A smaller inverter inverter.
Speaker 22 (42:16):
Yeah, so we still have nine point I want.
Speaker 5 (42:18):
To ask Brooks something broke. What would a smaller inverter do?
She was talking about a nine the nine kilowatt versus
a seven kilowatt. Can you explain that to us? Yeah?
Speaker 21 (42:31):
Absolutely so every system typically you usually have a smaller
inverter than you have as a system size for your panels.
So it's kind of complicated because it's got a lot
of engineering. But let me kind of give you a generics. Yeah,
if you have a ton killowat inverter, it can handle
(42:52):
up to a fourteen kilowatt solar system. So that solar
system is going to send it power in DC and
it can convert it to and it can handle that.
Here's your issue. You don't ever want to put a machine,
any kind of machine, to its limit all day, every day.
So when she's saying that the inverter is not working
(43:12):
the way it should be, that's because you're stressing out
a piece of equipment to the point where it's going
to break and deteriorate and stop working as fast.
Speaker 5 (43:20):
Right, So.
Speaker 21 (43:22):
Usually what I do in the same example is if
I was doing a ten kilowat inverter, I would keep
it at twelve kilowatts for the solar system because then
it's a little bit undersized, which makes sense for science,
but it's not to the point where it's stressing out
my inverter too much.
Speaker 6 (43:40):
Does that make sense?
Speaker 5 (43:41):
Okay, yes, it does, absolute complete sense. Now I want
her to keep going to see where we're going with this, Erica,
So what is the situation you're calling about? What tipped?
What tipped this thing over?
Speaker 22 (43:56):
It's the fact that so it's clipping. And then I
looked at my dog.
Speaker 5 (44:00):
What does clipping? What does clipping mean?
Speaker 6 (44:04):
Brook?
Speaker 22 (44:04):
You want to take that one, Brooke, Yeah, of course.
Speaker 21 (44:07):
So what clipping means is on the rooftop, your solar
panels are producing let's say one hundred kilo a lot
hours of power. Well, if your inverter is too small,
then it can only handle let's say eighty kilo lots
of power. So even though your solar system can produce
one hundred, you're only actually making eighty because the equipment's just.
Speaker 16 (44:27):
Not big enough.
Speaker 5 (44:29):
Now, what would be wrong with just Erica, I'm asking
you this, Erica and Paul, what would be Tell me
what would be wrong with just buying another inverter, having
red rocks put another inverter on it? I mean, it's
been we have.
Speaker 22 (44:44):
To go through the full permitting process as well as
a redesign. We'd have to and then all is that true?
Speaker 5 (44:50):
Brooke? Is it hard to just change the inverter?
Speaker 21 (44:58):
Any time you make any you definitely are supposed to
get everything permitted appropriately, but thenching out an inverter. It's
kind of about the Eatro owner and how they would
want to handle it.
Speaker 5 (45:11):
But what I hear what you're saying. What you're saying is,
come on, you can switch out the inverter and call
it maintenance for God's sakes. I mean, you can make
this more difficult. But how much would it cost? Do
you think broke to switch out an inverter to the
proper size? Just roughly?
Speaker 21 (45:32):
Erica, can you tell me what brand it is?
Speaker 22 (45:35):
So it's an SMA sunny Boy, it's a seven point zero.
They redesigned it for a seven point seven. They installed
the wrong size inverter and my bus bar on my
service so my actual electrical panel, it can't have a
larger inverter on it.
Speaker 5 (45:50):
I know Brooke will figure that out. We just needed
to know the manufacturer go ahead.
Speaker 21 (45:55):
Yeah, but that's that's very important information, Erica. We are
we're a little bit two tech to go for what
condact and for so simply saying her electical box can't
handle a bigger inverter. So the solar system cheaped out,
the installer cheaped out on putting together the right inverter
size because they also needed to upgrade the main panel
(46:16):
then for it.
Speaker 5 (46:17):
Okay, So are you saying this can't be upgraded properly
because of her panel? Would her panel have to be
changed out?
Speaker 21 (46:24):
You'd have to swap out the panel, which would definitely
require a permit. But you could still just switch out
the inverter if you want to do up to the
homeowner again, But if.
Speaker 5 (46:33):
You switched out just the inverter, if you switched out
just the inverter, would it overtax her panel?
Speaker 21 (46:40):
It would be a fire hazard. It would be.
Speaker 5 (46:42):
Again Okay, then to do Listen, here's what I'm asking.
It's a very simple question. Since they screwed up in
the beginning to make this right, how much are they
looking at Erica? Have you priced that out? You say
you're in the solar business. How much will it cost
to correct your system? Don't say you got to tear
it all off and start over, because you don't.
Speaker 3 (47:03):
No, no, we.
Speaker 11 (47:04):
Wouldn't have to do that.
Speaker 22 (47:06):
So an average cost for a service change is around
like five thousand dollars, and then for the cost of
a different inverter, it would probably be another like three
to five grands.
Speaker 5 (47:16):
So so we're talking about ten a little under ten grand,
and is the original company responsible? In your opinion, Brook,
what on.
Speaker 21 (47:28):
The permit documents did they lift a seven point seven.
Speaker 8 (47:31):
Or a seven on?
Speaker 21 (47:32):
What got stand by a Rapaole County?
Speaker 22 (47:34):
Erica was the update so when they had to revise
it for the setbacks, they revised it to a seven.
Speaker 21 (47:40):
Point seven right there, right there, It tells you company,
I'm sorry that the install company messed up and it's
their fault.
Speaker 5 (47:49):
So listen, Erica, you know, how do they feel about
paying for the we got to take this break. I
need to know why they're just not stepping up. Hold on,
I'm Tom Martino. See things like this suck when people
don't stand up. More about that coming up. Go with
(48:15):
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choose Frank durand the Real Estate Man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino your troubleshooter
three oh three seven one three eight two five five.
Eric and Paul had a solar system installed in twenty
(49:01):
twenty two. Basically it wasn't installed according to contract and
it was installed incorrectly. For the house to correct the
deficiencies will cost around ten grand or a little under.
So what should they do? Well? I need to ask
Paul and Erica a very simple question. Did you ask
(49:25):
the original company to make this right?
Speaker 10 (49:29):
We did?
Speaker 5 (49:29):
We did? And what was their response?
Speaker 22 (49:34):
But they would give us another three kill a lot
inverter that they were going to add a three kill
a lot invert to our system to bring it up
to a ten kill a lot.
Speaker 5 (49:43):
But would that overtax the I'm going to ask brook
now Brooke White with Red Rocks Roof Andsolar Redrocks rs
dot com. Brooke, would that overtax their box? If they
did that, I would assume yes. So no, no matter
what now, but that would be a solution if the
(50:03):
service was upgraded. Is that correct?
Speaker 22 (50:07):
That's correct? And in the proposal when we were originally
signing the contract. They actually made a note that service
upgrades for free where there was no cost for that.
Speaker 5 (50:20):
Well, I doubt that that's a five thousand dollars issue there,
I mean, right now, on this listen, here's what I'm thinking.
Here's what I'm thinking. I would go to small claims
court for seventy five hundred dollars the max. I don't
see how they I don't see how you lose. You
have an expert like Brooke, you have for an Affidavid,
(50:44):
you have have her inspected, give you a price from
an expert. You have your own company who can do
that as well. So you have two experts going in
saying it's going to take ten grand to fix or
sex just me at least seventy five hundred to fix
the But that's all you're asking because of the small
claim limit.
Speaker 10 (51:03):
Uh, maybe every thought all over, Maybe just to call
from us will nudge them in the correct way.
Speaker 5 (51:10):
And of course we're of course we're willing to do
that as well. So who should we have handled this
Mark to just call over there.
Speaker 10 (51:19):
Let's have Kelly call over there and see if they
want to come on air and explain why the contract
says one thing and they didn't deliver it. And the
way they're proposing to fix it's going to overtax the system.
Speaker 5 (51:31):
And let's just give them the opportunity. That's a good summation.
That's a good summation. And they really basically you're good
at summarizing. There's they really should have you know knownness
going in, right, Brooke. I mean, when you go to
(51:51):
a house and you know the system may overtax the panel,
do you tell them, Hey, as part of the cost
you have to upgrade the panel, and is that included
in part of the money they get tax credits for.
Speaker 21 (52:07):
Yes, yep, all of that. So in order to get
anything past a permit or approval with the city, to
get you connected with the utility company, it all has
to be permitted that way based on photos of what's there.
And the engineer says, this system is going to do
X and we need to upgrade it. So it's very
black and white if they need it or not.
Speaker 10 (52:28):
Hey, another question, did you finance this thing? Is it
on a lease? We have a loan, so a loan
through what though?
Speaker 5 (52:37):
Who is it? Who's the loan through?
Speaker 22 (52:39):
Financial?
Speaker 5 (52:41):
I missed that Sunlight financial? So through Sunlight Brooke, let
me ask you this.
Speaker 10 (52:47):
If Sunlight financed a ten K system and it's not,
are they going to have an issue with the installer?
Speaker 21 (52:57):
The financial company will not care?
Speaker 5 (53:00):
Okay, all right, let's let's we're gonna hold on. We're
gonna call over there and I think we can cut Brooke,
cut her off right now and then have her back
if we need our red rocks RS dot Com three
oh three seven zero war two four for nine Brook.
As always, we thank you immensely for this. And let's
(53:23):
go to Jim and we're gonna do that right after
these important messages. But Jim has a question on uh
a ct io citation? What is that? Dimitri? And how'd
you get involved?
Speaker 9 (53:40):
So I'm not involved in it yet, but I'm familiar
with that acronym because we've had a couple of calls
like that.
Speaker 5 (53:45):
What is this?
Speaker 9 (53:45):
It's the same kind of ticket you probably are familiar with,
which is across the when you're in the toll lane
of getting in or out, across the double yellows yes. However,
you know a couple of months ago we had John
Bolan on the show. Mark interviewed him. He's the lawyer
that defeated one of those tickets. He's in Greenwood Village.
He defeated the ticket, and he at the time was
(54:07):
considering putting together a class action lawsuit against the tolling authority.
Speaker 13 (54:12):
So depending on.
Speaker 9 (54:13):
What our caller has to say, it might be good
to get mister Bullen on the phone too.
Speaker 5 (54:17):
All right, so we have more on that coming up.
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(55:02):
seven to one. Help you'll think you're his only customer
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three nine two zero sixteen twenty. Two, Hey I'm Tom.
Martine you're a. Troubleshooter three oh three seven one three
(55:24):
talks seven one three eight two five. Five jim wants
to talk about A ctio citation which was pointed. Out
it's one of those tickets you get for crossing over
the line in an express. Lane once you, enter you
must stay in it until you get a broken line to.
(55:44):
Exit they have a way to do it with cams
that they say is, foolproof and it doesn't matter if
you're just coasting half and. HALF i, mean they're really
strict about. These they did a lot of warning tickets.
Beforehand this is only a, warning but it was going
to go into. Effect blah blah. BLAH i did get,
(56:05):
ONE i. Did what really puzzles?
Speaker 3 (56:08):
Me?
Speaker 5 (56:09):
One only one on the on the? Cross, well how
many did you guys want? Get we haven't bothered you
with With oh, See mark And sue's have my our
corporate address and uh and and it goes there from?
Corporation is this where my cars? Registered and the double line? Thing,
though here's WHAT i don't. UNDERSTAND i have the windshield
(56:33):
transponder THAT i can switch from toll to H ov
AND i always have it, on SO i should just
be TOLD i don't understand why they. Care oh, OH
i know what they're. Thinking THAT i dodged the reader
of the. Toll that's what it. Was, Okay So jim
tell us your. Story all?
Speaker 8 (56:55):
Right, well, okay LIKE i said last.
Speaker 5 (56:57):
Time what do you mean last? Time hold? On hold?
On what do you mean last? Time? Bro did you
call in? Before?
Speaker 8 (57:04):
YEAH i called In monday and try to talk to
you about? It about?
Speaker 5 (57:07):
It, oh, okay let's go back to that. CALL i
MEAN i and so what did you tell us On? Monday,
WELL i mean.
Speaker 12 (57:14):
We were coming home from a gen day road trip
and when we got Past. Peoria i'll abide by their,
rules but the rules are.
Speaker 8 (57:24):
Stupid they only have two places you can enter that.
Speaker 5 (57:27):
Ship OH i remember?
Speaker 3 (57:28):
This?
Speaker 5 (57:29):
Yes and you said are you sure that it would have?
BEEN i got it right? Here And mark, said why DID?
I why Did mark take this? ON i have notes
here That mark was going to make a, call got
a ticket for illegal lane change and express lane on
A saturday right near the end of the, lane and he, says, look,
(57:49):
there are you sure there was no way to exit
where you wanted to.
Speaker 12 (57:54):
Exit so, no because what was happened in that? Night,
well first, OFF i, ENTERED i entered across the single
white line over right there by two twenty, five, okay
AND i got starting was all.
Speaker 8 (58:08):
Bat sep at seven o'clock at, night And i'm Not
i'm on my way home from a long. Trip look,
right it's just.
Speaker 10 (58:14):
There you can fight, this but you got to listen to,
me and you will win. It whether or not it's
worth your time doesn't.
Speaker 5 (58:20):
Matter go, Ahead, mark why do you say he'll win? It?
Speaker 10 (58:23):
Mark hold? ON i got to ask him a few.
QUESTIONS i don't remember this, call nor DID i say
i'd take it. On but it Doesn't none of that.
Matters did you end up getting charged for a toll
on your? Account that's a very yes or no. Answer,
no then you owe the. Money can't say anything else about? It, Now,
mark why do you say?
Speaker 5 (58:41):
That tell? Us the different.
Speaker 10 (58:42):
Different stare that enter in the proper way wherever it,
is they enter in the proper, way they get, hit
and they end up paying the license plate toll or
the responder.
Speaker 5 (58:53):
Toll you follow me so? Far? Yes like? You if
they enter and exit if they enter an exit proper,
way then it's no big. Deal.
Speaker 10 (59:02):
No but if you enter the proper way and then
you exit by going past the double, line so you
actually cross, it you will get that seventy five dollars
ticket for crossing the double.
Speaker 5 (59:15):
Line double. Lines the problem.
Speaker 8 (59:17):
DONE i never crossed the double.
Speaker 5 (59:20):
Line, well then just look at the. Picture. Man i've
Seen tom's car across it a million. Times SO i Sent.
MARK i want TO i Want mark to. CONTINUE i
Want mark to continue on this line of thought before
we interrupt. Him you, say if you enter the proper
way but exit the wrong, way, yes you you will
get a.
Speaker 10 (59:39):
Tick you'll get a, ticket and they're gonna SITE crs
forty three dash four.
Speaker 5 (59:44):
Dash eight oh.
Speaker 10 (59:45):
Eight what that is made, for, okay is toll. Evasion
you did not evade the toll because you paid, It
unlike this. Guy if you actually went in, properly they
charge you for the toll and you, exited they need
a DIFFERENT. Crs there's no doubt about. It we had
(01:00:05):
an attorney come on that fought it all the way
up To Douglas. County that's as far as he could take,
it and the judge sided with. Him they cannot give
him a toll evasion ticket because he paid, it simple as.
Speaker 5 (01:00:20):
That but it didn't change. Anything so if.
Speaker 10 (01:00:24):
That is the case with anybody out there, listening if
you want to go through the proper procedures and there's
a lot of timeframes you got to, follow then you
will fight it and you will win on, precedent but
it's gonna cost you a lot of.
Speaker 5 (01:00:38):
Money the guy that actually cooks wasn't an. Atturney why
will it cost a lot of? Money will he have
to go to? Court? Mark? Mark will he have to
go to? Court or can't he just say as previous
because the judge actually said this is just for, you for,
You what were you going to, Say, demitri you had
(01:00:59):
something to.
Speaker 9 (01:00:59):
SAY i. LOOKED i looked At john's ticket and the.
CAR i assume That's john's. Car it is not crossing
the double yellows in that. Photograph it is traveling in
the express. Lane is that, Right?
Speaker 16 (01:01:12):
John?
Speaker 8 (01:01:12):
Jim, yeah that's exactly.
Speaker 5 (01:01:14):
Right well he Probably what does that? Mean tell me
what that? Means did they have to show the exact?
Infraction tell me what it? Means, oh wait time, Too.
Speaker 9 (01:01:26):
Jim you didn't you actually get.
Speaker 5 (01:01:28):
Ticket, yeah what did you actually get?
Speaker 9 (01:01:30):
Tickets what is your defense to that?
Speaker 12 (01:01:31):
Charge, okay my defense was AND i had this one other,
time BUT i was able to settle it through THE
e four seventy. People, so LIKE i was trying to,
SAY i crossed that single line at the two twenty,
five uh wrap right there because the traffic was so backed,
(01:01:52):
up and it.
Speaker 5 (01:01:53):
Was some, Excuse but you didn't pay the.
Speaker 8 (01:01:55):
TOLL i went through this one other time, before.
Speaker 5 (01:01:58):
But she didn't pay the.
Speaker 12 (01:01:59):
Toll other PEOPLE'S d four seventy people took care of
it because.
Speaker 8 (01:02:04):
They knew there was an accident and all kinds of, cards.
Speaker 5 (01:02:06):
None none of that.
Speaker 10 (01:02:07):
Matters though you didn't pay the. Toll that's why you
have to pay the.
Speaker 5 (01:02:11):
Ticket and if.
Speaker 8 (01:02:13):
They're only giving you two, options, mark what the hell
are AM i supposed to? DO i tried to do
the BEST i.
Speaker 5 (01:02:19):
Can what are the two?
Speaker 10 (01:02:20):
Options wait in traffic or get into the express lane right?
Speaker 8 (01:02:24):
Right why WOULD?
Speaker 10 (01:02:25):
I then they send you hold on, man you're you're
you're making little sense because even if you don't have
a transponder and you get into, there they take a
picture of your license and send you a.
Speaker 5 (01:02:37):
Bill then you pay the.
Speaker 10 (01:02:39):
Bill they don't give you a seventy five dollars ticket
at that point they. Do if you don't pay the,
bill then you're avoiding the.
Speaker 8 (01:02:46):
Toll so why why Did? Mark you tell? Me why
is it WHEN i went to the same incident here?
Over the winner se e.
Speaker 10 (01:02:57):
Four seventy will work with you occasionally if it's your first.
Speaker 12 (01:03:02):
Problem, well oct see this ain't going.
Speaker 10 (01:03:06):
Nowhere, well my, god you you literally you USED i don't.
Speaker 3 (01:03:12):
Know i'm.
Speaker 5 (01:03:13):
SPEECHLESS i don't know what else to. Say you're the
Exact standmark is simply saying you never. Paid it would
have been different had you paid the. Toll it's working
exactly the way it's supposed to work with.
Speaker 16 (01:03:24):
You.
Speaker 8 (01:03:24):
Man so if traffic is having As.
Speaker 10 (01:03:29):
Stanzi like four seventy a, round what is comment on
the back every?
Speaker 5 (01:03:34):
Day let's bring up a comment FROM JR jr from the.
Road he's he listens all the, time he's driving around
all the. Time go, AHEAD.
Speaker 19 (01:03:42):
Jr Hey, tom what are you talking about when he's
going DOWN i seventy there's a solid line and a broken.
LINE i think you And mark video.
Speaker 3 (01:03:50):
Of that of that.
Speaker 5 (01:03:51):
Part so what's your point? Therefore what therefore what you can.
Speaker 8 (01:03:56):
Only text the.
Speaker 19 (01:03:59):
Atov lane in that broken and folid. Line But.
Speaker 10 (01:04:04):
Jr this guy didn't get a ticket for crossing a double.
Speaker 5 (01:04:07):
Line he got a ticket for toll.
Speaker 10 (01:04:09):
Evasion he got in the express lane and never, paid
therefore he owes the.
Speaker 19 (01:04:16):
Money, Hey, mark he went across the falid line where
the broken.
Speaker 5 (01:04:21):
Doesn't my goodness, Matter. Jr do you understand he didn't
get a ticket for. That he got a ticket for
not paying the toll and he never paid the. Tolls
so what is your? Point it has nothing to do with.
Speaker 19 (01:04:32):
This you keep on getting calls on, that on that total, evasion.
Speaker 5 (01:04:37):
Yep but this.
Speaker 19 (01:04:38):
One people are saying that they're they're entering and exiting
in certain, Spots.
Speaker 10 (01:04:43):
But this one was toll evasion and those people are
literally paying the.
Speaker 5 (01:04:48):
TICKET i don't even know what to do, here, MAN
i mean it's like. That i'm telling, you this was totll.
Evasion As Mark aptley brought, out it wasn't for the lane.
Change it the they cited the right law in this.
Case here had they cited the toll evasion for crossing the,
lanes it would have been.
Speaker 10 (01:05:08):
Different here's what happens if you don't have a. Transponder
they know who the car's registered. To so you get
in an express. LANE i don't care if it's ON
i seventy OR c four seven OR e four. SEVENTY
i don't care where it. Is when you go, through
it takes a picture of your license plate and then
sends it to. You if you don't pay, it then
(01:05:29):
it assesses a fine and then they'll track you down and,
eventually if you don't pay, it you can't renew your.
Speaker 5 (01:05:36):
License right, Answer, okay, sorry we can't help. Brother That's
jim And. Jr. Again the thing that the attorney won
on was that they cited toll evasion when he had
(01:05:56):
actually paid the, toll.
Speaker 10 (01:05:59):
And the judge side with, them, saying you're, Right THIS
crc makes no sense. Here what they really need to
do is come up with a new. One but the
issue is no one fights it that, far so why do?
Speaker 5 (01:06:10):
It, okay we got to take this, break And I'm
Tom martino because you got to hear From Joe. Lazera
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oh three nine two zero sixteen twenty. Two, Hi I'm Tom,
(01:06:54):
martino your troubleshooter three all three seven to one three
talk seven one three eight two five. Five, so, uh
we Have meredith who wants to give some kudos to
our real estate person in, Today Stephanie. Thomas Stephanie thomas
stephaniear dot com is such a wonderful. PERSON i, MEAN
(01:07:18):
i mean truly as a. Person you'll know that she's
With Coldwell Banker realty And Kyler Rose. Springs so go,
Ahead what did you want to? Say? Meredith you know, What.
Speaker 7 (01:07:28):
Tom i've listened to your show SINCE i was a,
kid AND i want to give you a thirty year shout.
Speaker 15 (01:07:33):
Out.
Speaker 7 (01:07:34):
Good we're the only one to help my parents when
they had movers that they stole our, gun they stole our,
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the company because they didn't want to do anything about
the movers stealing our.
Speaker 5 (01:07:49):
Stuff, wow thank you so. Much thank. You.
Speaker 7 (01:07:53):
Yeah SO i wanted to tell you thank, you AND
i let everybody know about that story when BECAUSE i
work With, Stephanie i'm a more, broker AND i let
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Speaker 5 (01:08:05):
Company oh wow. Cool so what About. Stephanie what do
you have to tell about.
Speaker 7 (01:08:11):
It i've Known stephanie for about fifteen, years and she
And i've worked together very closely for the last. TEN
i am ecstatic that she is a professional on your,
show because she. Is she's a constant. Professional she is so.
KNOWLEDGEABLE i love the way she reads the. CONTRACTS i
love the way that she protects her. Client you, know
(01:08:31):
whether it's the buyer the, seller she's protecting their client than.
You she puts so much into the transaction that she
really tries to go at it as a win win
kind of so nobody feels like they're slighted in. It
And i've had agents In Cardo springs where they've accepted
(01:08:53):
the contract because they knew That stephanie was on the
other side of.
Speaker 5 (01:08:56):
It, meredith thank, you we got to. RUN i appreciate. That,
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Speaker 3 (01:09:39):
Two ripped up.
Speaker 1 (01:09:48):
You need so you don't have.
Speaker 3 (01:09:53):
Come runs as we.
Speaker 1 (01:09:55):
Can shoot's gonna help come.
Speaker 4 (01:09:59):
Man this is The Troubleshooter. Show No Tom.
Speaker 5 (01:10:04):
Martine, Hey I'm Tom, martino AND i welcome you to
the only show anywhere if it's kind the longest running
radio show on the air with the same host and
joined for several years With Major Mark Major and here's the.
Deal what we want to do is help. You sometimes
(01:10:25):
helping you is telling you what to do, next where to,
go or sometimes we get directly. Involved sometimes we don't
think you have a. Problem and so let's get by the,
way let's just Get, ali who was kind enough to
come on the air about this solar. Issue AND i
(01:10:48):
want to bring Up, erica who's the consumer And ali
but AND i Hope i'm pronouncing that. Right is It
ali Or? ALI i don't know which, which but it's
so so let's start out. There is It? Ali?
Speaker 24 (01:11:05):
Hi, yes s get. Afternoon, yes It's Ali.
Speaker 5 (01:11:07):
Ali, okay thank, You, Hey. Ali i'll just summarize this very.
Quickly they said that the system was basically sold and
not put in as described on the. Contract and even
if they upgrade the inverter or you supply an extra,
inverter as you kindly, offered that the power panel can't take.
(01:11:32):
It so we had an expert say that possibly this
was not sized correctly for their, home and now they're
facing not only an upgrade in, inverter but they're facing
a service change as, well and they feel like you
guys should be responsible for. That and that's really. It
(01:11:54):
in a, nutshell.
Speaker 24 (01:12:00):
Totally understand Miss erica's concern in regarding the clipping that
she found on their. System and actually WE i actually,
talked we have the Miss erica about this, personity and
we tried to check our design, team our technical team
check the, system and we also ran our production. Report
(01:12:23):
and actually her system is reaching an eighty six percent
production which is above what is our benchmark of eighty
five percent production. Guarantee AND i don't understand that she
is staying a clipping on her. System and, yes as
per checking the current installed, inverter it WASN'T sma Or.
(01:12:48):
Smart we've installed a seven point zero kilowatt. Inverter we're
in the design approved is showing a seven point seven kilowatt.
Inverter when we found that the installed inverter is a different,
size we offered her to upgrade or change the current
inverter to a seven point, seven in which Miss erica
(01:13:12):
declined the.
Speaker 5 (01:13:13):
Offer let me ask you on that one thing, though
if she goes to the seven point, seven it will
overtax her electrical, panel so she would have to upgrade
her electrical. Panel and she said all of this should
have been included in the original. Contract, well let's let
(01:13:37):
me let me have her address the issue of the electrical.
Panel we understand the inverter, problem but the system should
not have Put let me, well let me ask you.
Speaker 13 (01:13:49):
This.
Speaker 5 (01:13:49):
Ali are you saying the system is operating correctly and
according to contract and it's meeting your? Guarantee, yes, sir
it is. Okay so you don't see any problem with
the system as, Installed.
Speaker 24 (01:14:08):
Yes, sir we don't see any problem when it comes
to the. Production the only issue that we found is
the inverter, size and that is why we offer to
replace it according to the approved, design which is a
seven point SEVEN kloa.
Speaker 5 (01:14:21):
Inverter, okay if you do the inverter And, Erica i'll
let you, talk BUT i need to get some very straight.
Facts do you feel responsible at all if a new
inverter or upgraded inverter will cause her to have to
upgrade her service. Panel as far.
Speaker 24 (01:14:40):
As the technical teams, Concern i've already checked for that
and they said that since the seven point seven was
the original, design changes with the electrical panel or electric
wires or anything related to that should not be an
issue because again during the installation or, survey it was
(01:15:00):
to remain that the seven point seven will or is
the appropriate inverticize for the system and offer.
Speaker 18 (01:15:07):
Her house that's.
Speaker 5 (01:15:08):
Fret it will and it. Will you're saying it will
not over it will not overburden the electrical. Panel you're
saying it will Be, okay, yes, Sir, yeah the.
Speaker 10 (01:15:20):
Kay not only is she saying, that she's saying their
electrical engineer is saying that.
Speaker 5 (01:15:24):
Right, Okay, yeah that's what she's.
Speaker 10 (01:15:26):
Saying, now how about they wanted to upgrade out of?
Curiosity you guys are willing to put in the seven
point seven per the contract if they wanted to spend
a little, money if they want to an upgrade to
the next, size would you guys be open to just
charging the?
Speaker 5 (01:15:42):
Difference, Well, mark why would they want to go to
a next? SIZE i don't know what they want TO
i don't. Know, well let me let, Erica, erica let
me chime in right. Now what you heard what she? Said,
basically she's saying Smart wave is willing to upgrade the
inverter to match the contract and it will not overtax
(01:16:06):
or overburden your, system and you will not need a panel.
Change what is your response to? That, first before you go.
On what is your response to?
Speaker 22 (01:16:16):
That my response is that my contract is for a
nine point six, system and it was never told to
me THAT i would only ever have the capacity to
produce at seven point seven, kilowatts which is the size
of the inverter that they.
Speaker 5 (01:16:30):
Want to put. In wait, wait, wait the contract says what?
Speaker 3 (01:16:33):
Size nine point? Six all?
Speaker 10 (01:16:36):
Right, no wait wait wait the contract says a seven
point seven inverter, though, right.
Speaker 3 (01:16:41):
No it.
Speaker 22 (01:16:42):
Doesn't it just says.
Speaker 24 (01:16:43):
Inverter, well it's, okay so let me, claris.
Speaker 5 (01:16:51):
Go, Ahead, ali go, ahead go, Ahead.
Speaker 24 (01:16:54):
Yes thank you so.
Speaker 8 (01:16:54):
Much.
Speaker 24 (01:16:55):
Yes regarding the, contract the nine point six kill a.
Watch it is the system. Site it does. Not the
contract does not says anything about inverter. Size the nine
point six scal of watt is system. Size in it
three fers to avicerating of the solar. Array so the
customer or Miss erica has twenty four. Panels and that's why.
Speaker 5 (01:17:17):
You don't have to go into that, alley because we verify.
THAT A brook From Red Rocks roof And solar said
that a seven point seven inverter can handle that size,
system And erica she told us straight up that you
do not need to match exactly the inverter size with
the panels that you can have a larger system with
(01:17:39):
a smaller. Inverter so really we can't split hairs. HERE
i just want to. KNOW i want to know if
here's the real. Question should the homeowners have to pay
for their panel? Upgrade ali is saying you don't need
a panel. Upgrade that's really the issue right, here you
(01:18:00):
are willing to do the. Inverter you will be producing
ninety six hundred. Kilowatts the real issue is, this do
you need a panel upgrade or.
Speaker 22 (01:18:08):
NOT i won't be producing ninety six hundred. Kilowatts my
system can only produce to the size of the, inverter
and the inverter is seventy seven.
Speaker 5 (01:18:16):
Hundred, well she told us. That, Well Brooke white told
us that's not. True So i'm SORRY i listened to
the same conversation you. Did. Ali are you saying this
the upgraded inverter will be able to meet and will
be able to produce ninety six hundred.
Speaker 7 (01:18:40):
For that?
Speaker 24 (01:18:40):
One it's for the nine point or the ninety six hundred,
actually because the ninety six hundred size is the total,
rating which is it is the total rating of the
panels in a perfectly ideal lot. Settings and that's why
we are designing the, system which is they and produce
(01:19:02):
AND i really are realistically and real. Life sure the
panels can only produce up to eighty percent because of
their real life. Settings it is not because it's not
because under ideal lab. Settings that's why the system is
size for.
Speaker 5 (01:19:17):
To produce EIGHTY i understand her fully up there. PRODUCTION
i totally understand what she's. SAYING i think they're hung
up on the size of the. INVERTER i would be
more hung up on the panel on the. Panel does
my panel have to be? Upgraded? Now brooke From Red
rocks said she believes that you would have to upgrade the.
(01:19:38):
Panel ali is saying that panel does not have to be.
Upgraded erica And, paul that is your real issue. Here
they will put in a bigger inverter and match the.
Contract you know they they, Will they will service. It
you need to get some opinions that we can rely
on that says that that, panel that that system was
(01:20:02):
oversold for your, panel BECAUSE i believe that if they
sold you a system that would require a panel, upgrade
that should have been disclosed.
Speaker 16 (01:20:12):
UPFRONT i agree that it should have been disclosed, Upfront
but what.
Speaker 5 (01:20:19):
She's saying is the reason they didn't disclose it is
because you do not need a panel. UPGRADE i really
want to isolate it to what the problem is, Now,
ERICA i know you can go on and on and
on with the, problems but really and truly our job
here is to parse through what we think you can
enforce in what you can and according to, contract they
(01:20:43):
can meet the. Contract the question is should it have
been sold to you to begin with or was it over?
Sold and should they at least help you with the panel. Upgrade,
alli you're saying you're electrical engineer accepts that the panel
will do it is. Adequate their existing panel is. ADEQUATE
(01:21:05):
i want to Get brooke on and clarify why she
thinks it is not, Adequate and Then erica And, paul
you have to get your own expert to concentrate on
that one. Issue if you have other, issues you deal with,
them but you deal with the primary. Issue because if
you have a system producing eighty percent of ninety six,
(01:21:29):
hundred which the contract, says and if you have a
system that is not over taxing the, panel you're. Fine
if you have to upgrade the. Panel whose responsibility should it?
Be I'm Tom. Martine we have more coming. Up go
(01:21:52):
with a sure Thing Denver's best Roofer Excel roofing dot.
Com you don't pay a cent until you're. Content time
for an insurance checkup, free no. Obligation in, comparison Call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now THREE o three seven to
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(01:22:13):
when you Choose frank durand the real estate man dot
com to list your home With Remax alliance three three
nine two zero sixteen twenty. Two Hi Tom, martino your.
Troubleshooter let's go back To. Jim jim called earlier and
he was upset because he got a toll violation in
(01:22:37):
the express, lanes or for using express lanes, improperly he.
Thought but when you looked at the, violation it was
for toll. Evasion NOW i want to explain. Something an
attorney challenged the improper lane change ticket on the grounds
that it was written and cited by a toll evasion.
(01:22:58):
Law he proved it that. Case he paid the, toll
so the state or the agency who's doing it for
the state improperly charged him with the toll evasion and
showed a picture of him crossing the double. Line, now
since there is no actual statute for crossing the double
(01:23:23):
line or for improper entering and exiting an express, lane
the state has wrongly used the toll evasion law to give,
tickets and where people fight, it they can. Win, however
if in fact you are cited for total evasion and
(01:23:45):
you truly did not pay the, toll the ticket. Stands
jim says he has some follow up questions about. This go,
Ahead jim.
Speaker 8 (01:23:58):
The, attorney because at least hes go listen to. ME
i actually was, built.
Speaker 12 (01:24:02):
Actually have A i have a toll, account AND i
Was i've just checked on it.
Speaker 8 (01:24:07):
AGAIN i was charged for.
Speaker 2 (01:24:09):
That.
Speaker 10 (01:24:09):
Ba, WELL i literally asked you, That, jim the last
time you were ON i.
Speaker 8 (01:24:14):
WAS i was not.
Speaker 5 (01:24:15):
Sure tom's like, okay, OKAY.
Speaker 8 (01:24:18):
I checked, AGAIN i was not.
Speaker 12 (01:24:19):
Sure, WELL i got on the toll thing on the
internet AND i checked it and, YES i was.
Speaker 5 (01:24:26):
Good then you then you.
Speaker 10 (01:24:28):
Confighted but you have to do the initial part within
thirty days of receiving The it's not actually a, summons
but the, accusation the, accusation you have thirty days from
that to go on their website and basically go through.
Speaker 5 (01:24:45):
It if you go outside of.
Speaker 10 (01:24:47):
The thirty days by statute In, colorado you gave up
that right and now you probably owe one hundred and Fifty.
Speaker 8 (01:24:54):
Ken CAN i have The CAN i have the name
of that?
Speaker 12 (01:24:57):
Attorney what is the?
Speaker 5 (01:24:59):
Name what is the name of that? Attorney Hold, on
what is the name of that? Attorney? Interesting, yeah well
we'll have it in a. Second, bore you. Can't, yeah And,
jim what do you Understand you're gonna Cost it's gonna
cost you more to fight this than to pay.
Speaker 8 (01:25:15):
It, Right, well because well there was one other problem
with this whole. Thing tom and you guys won't let me.
Speaker 5 (01:25:20):
Talk.
Speaker 12 (01:25:22):
JIM i tried getting. ONLINE i tried getting online to do.
This that their their thing on the internet does not
Recognize mike does not recognize the stuff that they sent
me in the mail. Man, okay he does not recognize.
Speaker 5 (01:25:37):
It. Okay still Still i'm just saying this AND i
don't mean. This, well, oh are you saying if you
wanted to pay, it you?
Speaker 12 (01:25:43):
CAN'T i can't every LIKE i, said you get on
the on the website and it does not recognize my.
Speaker 5 (01:25:50):
Stuff so when you put in the violation, number that's,
right it doesn't recognize.
Speaker 10 (01:25:56):
It send send it over To dimitri and to me
if you can't log in and look at.
Speaker 8 (01:26:02):
It, OKAY i sent that information over and. OVER i sent,
ALL i.
Speaker 9 (01:26:08):
Have a copy of his, ticket and So i'll see
if it has instructions for.
Speaker 5 (01:26:12):
Paying so you, know what would you? Do like this
happened to me in the tolls Of Orange county WHEN
i was In. California they sent me WHEN i was
in a rental. Car they sent me, this AND i
logged onto the toll roads Of california Of Orange county
at whatever the site, was it was For Orange, county
and you could not you absolutely could not track it
(01:26:37):
down because it didn't recognize. It so If jim did
go online and they don't recognize the, violation he can't
pay it if he wanted. TO i, mean that's a good.
Point and that's why and and and they should talk
to him about, that because this is a guy that
was prevented from paying. IT i, mean it says right.
Speaker 10 (01:26:56):
Here Express Lane safety Dot com Forward SLASH ceo and
you will need this notice number and license.
Speaker 5 (01:27:04):
Plate So i'm going to try it right over this.
Break all, right let's do. That let's try it right, There.
BROOKE i want to get you back them on From
Red Rocks roof And solar on this one system. Here
we talked To Solar, wave And Solar waves said they
can upgrade the. Inverter it will produce the promised eighty
(01:27:28):
percent of ninety six hundred and they say nothing produces
one hundred, percent but they will abide by the contract
and she will not need a panel. Upgrade you had
mentioned that she probably does need a panel. Upgrade, now
obviously you haven't been out there to look at the.
System but what made you believe she would need a
(01:27:49):
panel upgrade.
Speaker 21 (01:27:53):
Because The erica had mentioned what the bus bar rating,
was and that's a bus bar rating means how much
an electrical box can take for power coming in and
out of. It, yes and so if you put in
a bigger, inverter it can handle more. Power so it's
going to send more power to the. Box since she
(01:28:14):
worked for an electrical contractor to do solar if she
said her bus bar was too, Small i'm going to trust. It,
okay the paperwork, otherwise.
Speaker 5 (01:28:21):
AGAIN i asked her to get confirmation from an independent
electrician and then we can see if we believe that
solar wave should be responsible for. IT i, mean you
know a lot of people would, say, look if you
do a panel, upgrade it improves your whole. House they
shouldn't be. Responsible others would say they shouldn't have sold
(01:28:43):
the systems that overloads the electrical. System and maybe they
wouldn't have done the system to begin with if they
knew they were facing a panel. Upgrade so it can
go either. Way what do you.
Speaker 10 (01:28:59):
Think it should be?
Speaker 21 (01:29:00):
Easy it should be easy to, find she, said on
the permit documents that Are Rapo county had and stamped
and approved. Of it would say if the main panel
agree was, required that's where your engineering is going to find.
Out so if it's on, there then AN mpu is
required on the stamp. Plans that's your answer right, there
that's your independent.
Speaker 5 (01:29:18):
Source thank, you redrocksars dot. Com thank you for your.
Help these are the good. Guys three oh three seven
zero four two four four. Nine we have more coming right.
Up go with a sure Thing Denver's Best Roofer excel
roofing dot. Com you don't pay a cent until you're.
(01:29:39):
Content wait time for an insurance check up, free no
obligation comparison Call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three oh
three seven seven to one. Help you'll think you're his
only customer when you Choose frank durand the real Estate
man dot com to list your home With Remax alliance
(01:30:01):
three oh three nine two zero sixteen twenty.
Speaker 23 (01:30:03):
Two Hi Tom martino here three oh three seven one
three Talk, hey call THREE o Three martino as, well
let's let's Talk.
Speaker 5 (01:30:18):
Mark what do you Got? Dmitri what do you go?
Speaker 10 (01:30:22):
ON i want to know about? THIS i went on, There,
dmitri AND i know you did. TOO i can put
in just his license Plate. COLORADO i can put in
the ticket number or the citation, number And i'm getting.
Speaker 5 (01:30:35):
Nothing would you figure OUT i got into his?
Speaker 9 (01:30:37):
Ticket?
Speaker 5 (01:30:38):
Oh how did you get? In how did you do? It?
Speaker 9 (01:30:40):
Well you know that zero and his license plate it's
actually let letter oh?
Speaker 5 (01:30:46):
Zero oh you're?
Speaker 9 (01:30:48):
Right so who's right? Again this?
Speaker 5 (01:30:50):
Time?
Speaker 9 (01:30:51):
Okay And, jim you got a couple of days left
to pay it before it doubles two hundred and fifty. Bucks,
yeah There's.
Speaker 5 (01:30:57):
Jim you you can pay, it.
Speaker 8 (01:30:59):
Sir i'd still like to have a number of that.
Speaker 5 (01:31:01):
Attorney, sure, well you can have the number of the attorney.
Again if you'd rather pay you, know six, grand then
the ticket go. AHEAD i, mean you're not going to
court for less than.
Speaker 8 (01:31:12):
That just so you, Know i'd still like to talk
to the.
Speaker 5 (01:31:17):
Attorney, Sure and you know you're not talking to him free,
either right? Now he'll talk to him for, Free. Willie.
Okay not everyone gives free. CONSULTATIONS i just wanted to warn.
Him but that's. Good so he are you, Sure, mark
he gives free consultations on THESE.
Speaker 10 (01:31:32):
I don't know if he gives them necessarily on this,
guy but in GENERAL i think he would when he
was on the air with, us he will.
Speaker 5 (01:31:39):
Talk, Okay so do you have that number four? HIM
i have his.
Speaker 9 (01:31:42):
Name the attorney's name Is john with AN h bowlin
bow L i n.
Speaker 8 (01:31:55):
L i n L I m, okay well all, RIGHT
i appreciate.
Speaker 5 (01:31:59):
It now, wait do you have the? Number? YES i,
do here's his. Number, Okay i'm.
Speaker 9 (01:32:04):
Sick so the firm is Called bolan and shall and
their phone. Number So John bolan's direct number is seven
to zero three one six seven eight nine.
Speaker 10 (01:32:18):
Zero the first thing you got to, do though you
haven't even disputed, it you need to log on there
now and dispute it and tell, them, HEY i paid the.
FINE i, mean that's the first thing you need to
do before the clock is.
Speaker 5 (01:32:31):
Done right, Right, god, Guy he's Something i'm confused is
that the dude didn't even. Know, look you know. What
he's pissed. Off he's pissed. Off he got a. Violation and,
OKAY i mean if he paid the, toll he shouldn't
have gotten the. Ticket that's. Fine he has to dispute,
it but he has in his mind that he's right
(01:32:52):
and we're. Wrong so when people do, that they don't
always get the solution here that they want. To all,
Right so here's the. Deal someone wants to know From
John clace excuse, me, Yeah, john FROM. Cmg how much
do you need in savings for this to really make
sense as a.
Speaker 17 (01:33:13):
Loan, well it's, different and we do have a great
simulator if people want to call. Me but typically if
you're saving ten percent.
Speaker 13 (01:33:24):
Of the money you, make it.
Speaker 17 (01:33:27):
Works the more you can save when you get up
to twenty or twenty five, percent meaning that your net
income minus your expenses is ten percent or.
Speaker 13 (01:33:36):
Higher it seems to.
Speaker 5 (01:33:38):
Work, Yeah But, john it doesn't have to be pure.
Savings it can be money that is in your checking account.
Temporarily it doesn't have to be designated as. Savings any
money that you have liquid can be put in, there
and when you need, it you write a. Check. RIGHT
i don't want this guy thinking he has to set
aside a savings.
Speaker 17 (01:33:58):
Account, no you're exactly. Right it's people that just have
a you, know they have a rainy day account or
money set. Aside and that's WHY i like people to
call me and we have a great simulator THAT i
go through with them and we can put in all these.
Things but you're exactly, Right, tom if you have money sitting.
Speaker 3 (01:34:14):
There you.
Speaker 5 (01:34:14):
Can can you have more than one account associated with the?
Speaker 17 (01:34:17):
Mortgage Uh, No so there's the checking account goes with the,
mortgage but you can tie ten different accounts into, it
meaning the other accounts won't do the automatic sweep like
this one, will but you can ach back and.
Speaker 13 (01:34:31):
Forth pretty.
Speaker 5 (01:34:32):
Simple, Okay so here's here for those. Listening we're talking
about the all in one loan where really what happens is,
this you have a loan on your home and it's
like a line of credit for thirty. Years what happens
is if you, need if you borrow enough to pay
off your existing, loan, fine if you have more, equity
(01:34:54):
you can draw it. Out if you pay it down
substantial even but you need the money a week, later
you can get it. Back it is a liquid, loan
AS i, coined and that liquid loan means that the
balance fluctuates based on how you pay it down and
(01:35:15):
how you draw it. Back while you have this, loan
any money that you have in the ASSOCIATED cmg checking,
account any money in there that you can sweep at
night from other, accounts you can do, whatever or just
keep money in. There that goes against your average daily
balance for the time it's in, there and then that
(01:35:39):
means you pay interest on less of a loan. Balance,
now if you have this associated checking account and you
happen to have fifty or one hundred grand in, it
it's substantially lowering your. Interest but even if you only
have five or ten grand in, it you're substantially lowering your.
Interest then let's say you need to write a, check
(01:36:02):
you write a. Check there's No and let's just, say
then you have your house loaned up to the, maximum
you can just pay interest. Only isn't that, Right, John that's.
Speaker 13 (01:36:15):
Correct it's interest.
Speaker 17 (01:36:15):
Only in tom that's a great point because they say
you had a five hundred thousand. Mortgage your payoff was
two hundred on the other, mortgage but you borrow three.
Hundred well on that one hundred thousand if you don't use,
it you don't pay any interest on.
Speaker 13 (01:36:28):
It but it's, liquid like you, said, ok it's available to.
Speaker 5 (01:36:31):
You, Right so on the.
Speaker 10 (01:36:33):
Loan, yet the other thing that's kind of cool is
it eats. Itself so let's say you get fired from
your job and you've got, whatever a half a million
dollars line of credit. There you don't even got to
make a typical interest. Payment it'll just eat. Itself you
don't have to make a payment till you're employed. Again
so the interest accrues on the loan.
Speaker 17 (01:36:55):
In that, sense it, could but it's a lot. Better
like if you had a regular loan and you lost your,
job couldn't make the payment and you have a lot of,
equity they don't care you sell the house to get
it paid. Off here you can have that that. Time
Like Mark, sitt it's.
Speaker 10 (01:37:08):
Almost like a reverse Mortgage hitt that, point it just
heats away at the equity it.
Speaker 17 (01:37:12):
Is until you get back on your, feet and you
can do. That that's why it's a great loan for
self employed people, too who kind of make big commissions
one month and not so big the.
Speaker 10 (01:37:19):
Next, month or people buying a second house or a
property outside of their regular residence as.
Speaker 5 (01:37:25):
Well, yes you can have negorous.
Speaker 10 (01:37:27):
Ones, too, right you could have one on your, primary
and you could have one on a, secondary.
Speaker 5 (01:37:33):
An investment property and an investment property.
Speaker 13 (01:37:35):
Yep up to three, okay and that to think.
Speaker 10 (01:37:40):
Of, that you have an investment property that you're banking
on like with Vest.
Speaker 5 (01:37:44):
Era really think about.
Speaker 10 (01:37:45):
This so they buy it with this product compared to
a regular twenty or thirty year not only are they
going to make money when the home appreciates With barry
in wave, eight but they have access to all the
money they put down in. It you can't get a
better deal than.
Speaker 5 (01:38:03):
That i'm, Thinking, john we have to hook you up
with A barry because he needs to offer this as
a loan option really and truly because if we keep
the homes only up to three, years we could do
interest only if we, want, right you.
Speaker 13 (01:38:20):
Could that's what's great about it gives you that.
Speaker 17 (01:38:22):
Option, yeah but you can always pay principle if you want,
to or you, could.
Speaker 10 (01:38:27):
Or you Could literally WHAT i was saying is you
could pay one hundred percent or ninety percent cash upfront
for the, house and you have a line of credit
to access basically all that cash you.
Speaker 5 (01:38:39):
Could you know, What you're, Right, Mark so if it
goes a month, unrented you tap into, it.
Speaker 10 (01:38:45):
Or you don't even have to tap into, it it eats,
itself you're.
Speaker 5 (01:38:48):
Right, Yeah, No i'm talking about for The, OH i
see what you're. Saying, yes you know. WHAT i need
to Put Barry miller in touch with you, Personally, john
because Truly i'd love to hear about.
Speaker 10 (01:39:01):
It you have multiple investment, Properties, john with that product
or just, one.
Speaker 13 (01:39:06):
You could have up to two to the right ste.
Speaker 10 (01:39:09):
You should have. One and let's go under WHAT i was.
Saying you have ninety percent equity in. It you have that,
product you could use that money to buy the second.
Speaker 13 (01:39:18):
ONE a lot of people do.
Speaker 17 (01:39:19):
That they use the one loan to write a check
for the down payment of the other one on the next.
Speaker 5 (01:39:24):
And then convert that into the same.
Speaker 10 (01:39:26):
Product, YEAH i don't know why when it comes to
the investment. Product, actually when it comes it's very hard
to think of a. Reason besides you might not, qualify
why not to have this? LOAN i can't think of
any reasons in any, scenario.
Speaker 17 (01:39:40):
My, opinion is the best loan on the planet if you're,
qualifying and that's that's what we, do and they'll look
at your.
Speaker 10 (01:39:45):
Assets it's not necessarily just cash, flow but if someone
has a lot of, assets this is one of the
few loans that you can actually base approval on asset.
Speaker 13 (01:39:55):
Level that is, Correct we do do.
Speaker 5 (01:39:57):
That oh, Okay So, jimmy he was asking about, that
go over that qualification again real?
Speaker 17 (01:40:03):
Quick, uh, well meaning that we can we can use
so you could literally we don't have to ask for.
Income if you have enough, assets we we do a.
Calculation we don't deplete the. Assets we just do a
calculation of what that would, be and then we give
you an income based on your.
Speaker 5 (01:40:20):
Assets wait the retirement accounts or.
Speaker 13 (01:40:23):
No including retirement.
Speaker 17 (01:40:24):
Accounts so real simple math, is, yes we take we
take your, assets we divide them by one twenty and
that's what your monthly income.
Speaker 13 (01:40:32):
Is that we'll give you credit.
Speaker 9 (01:40:33):
For sons like, equity equity is not, Asset, no, Okay
so what are assets that you look?
Speaker 17 (01:40:41):
AT i mean, savings bank, accounts phone, case money, marks trading,
accounts treating, accounts and any financial assets you can you
can use on.
Speaker 9 (01:40:53):
That, yeah and you don't need you don't need LIKE
w two or tax.
Speaker 5 (01:40:58):
Return that's the asset it helps to.
Speaker 10 (01:41:00):
Have to, Me i'm sorry to buddy In John blay
the actual if you have, both that's even. Better but
what he's saying is if you, don't if maybe you're
retired at sixty years old and you you have ten
million dollars in assets but you don't have any, income
you can get this.
Speaker 2 (01:41:17):
Loan?
Speaker 9 (01:41:17):
Correct, Correct but isn't the equity in my house an?
Asset or the house itself is an asset though encumbered
by unfortunately it.
Speaker 13 (01:41:26):
Is but we wouldn't do that because on the on
the on the.
Speaker 17 (01:41:32):
Balance sheets and all that you can access you can.
Liquid those are considered kind of. Liquid so you might
get a tax hit or. Hit but for a home,
equity you'd have to sell that house to realize that,
asset and so that's why we don't do.
Speaker 9 (01:41:45):
That and what minimum score or average credit score qualifications
would you?
Speaker 13 (01:41:50):
Recommend seven hundred is our minimum credit score for that?
Speaker 10 (01:41:54):
Product you have other products where people will qualify. It
what five sixty.
Speaker 13 (01:41:58):
Five sixty five eighty for the all on one, Loan
it's seven.
Speaker 9 (01:42:01):
Hundred, yeah, Gotcha thank, You Jan we got more right after.
Speaker 5 (01:42:05):
This go with a sure Thing Denver's best Roofer Excel
roofing dot. Com you don't pay a cent until you're.
Content time for an insurance check up, free no. Obligation in,
comparison Call Compass insurance paying too much your coverage at
(01:42:27):
dozens of insurance companies find out now three oh three
seven seven to one. Help you'll think you're his only
customer when you Choose frank durand the real Estate man
dot com to list your home With Remax alliance three
oh three nine two zero sixteen twenty. Two, Hi I'm Tom,
martino your troubleshooter three oh three seven one three talks
(01:42:50):
seven and three eight two five. Five so coming up
in the next, HOUR i want to talk about common
mistakes people do en listening a. HOME i looked at
better homes and. Gardens who did? Who who did a look?
See and interviews of brokers and we'll do that coming.
Up there are one let me give you. One one
(01:43:10):
is where style is considered in fashion is too specific
to a time. PERIOD i can bring up the ultra
modern stuff that you're seeing that goes in and out of.
FAVOR i can bring up The southwest look that used
(01:43:31):
to be in that people puke when they see The
tuscany design seems to be more, universal and we're going
to talk about. That then somebody asks about the all
in one loan and they thought they heard somewhere where
eventually you freeze your. Credit freezes are not your, credit
(01:43:52):
but your ability to draw out money, freezes and you
have to pay it. Down so we have a lot
to talk about on The Troubleshooter, show plus your calls
on anything you want three oh, three seven to one
Three talk or three oh Three, Martino go with a Sure,
Thing Denver's Best Roofer Excel roofing dot. Com you don't
pay a cent until you're. Content time for an insurance check,
(01:44:17):
up free no obligation comparison Call compass insurance paying too
much your coverage at dozens of insurance. Companies find Out
now three oh three seven seven to one. Help you'll
think you're his only customer when you Choose frank durand
the real Estate man dot com to list your home
With Remax alliance three oh three nine two zero sixteen twenty. Two.
Speaker 1 (01:44:37):
Yeah Rip news needs who you don't?
Speaker 3 (01:44:46):
Have, come runs as fast as we.
Speaker 1 (01:44:51):
Can shooter's gonna.
Speaker 4 (01:44:54):
Help, come, Man this is The Troubleshooter.
Speaker 5 (01:44:58):
Show, No I'm. Martino Hello Tom martino, here and we
have guests in the. House plus we're taking your calls as,
always solving your. Problems that's really what this show is,
about the things that make you tick and the things
that tick you. Off and we've been doing it longer
than anyone in the country for any talk show with
(01:45:20):
the same hosts currently still on the. Air you can
find us on The iHeartRadio app on. YouTube you can
download us as a podcast on all the popular sites
to find out more about. Everything Tom martino Dot com
is a good. Site referral list Dot COM's great. Site
(01:45:41):
Hey john Clas is WITH cmg mortgage partner in lending Dot.
Com Frank duran is With, frankduran the real Estate man dot,
Com Stephanie thomas With Coldwell banker In Colorado, Springs frank
is With Remax, alliance and Then stephanie's With Coldwell banker
in The springs Or Pikes peak. Area they like to,
(01:46:01):
Say stephanieri dot com AND i have a question about
freezing the credit. Limit so the all in one, Loan
i'm going to give it the quick. EXPLANATION i can't
assume everybody who is here now has tuned in for
the whole. Show now here's the. Deal you get a
loan on the, house and you can pay the loan
(01:46:21):
down or borrow it up as a line of. Credit
now what happens is you have a. Balance let's say
you start out with a balance of four hundred. Grand
you can borrow up to is it eighty percent loan to?
Speaker 13 (01:46:37):
Value john yees eighty percent loan to value of the house?
Speaker 5 (01:46:40):
Value, Okay so let's say you have one hundred in
there for. Cushion so let's say you borrow on. That
you can pay it. Down you can even pay down
the original four one hundred thousand or five hundred thousand or.
Whatever so let's say you have a lot of money
you put down and you're in a. Home you can
borrow against the equity at any time and pay it
down at any. Time but something else also. Happens you
(01:47:03):
keep a checking account WITH, cmg and every single night
they credit you with the amount in that account against
your average daily. Balance so for that day or two
or week or month or two months or three, months
your balance reflects that much off of its. Principle so
(01:47:24):
you're in essence paying less. Interest, now if you have
hard times and you simply want to pay interest, only
you can do. That and as mark brought, out if
you skip a, payment it goes against the line of, credit, Right,
john there is no mark against your.
Speaker 13 (01:47:40):
Credit right that is correct as long as you have
that putty, there.
Speaker 5 (01:47:43):
Yep so if you skip a payment or, two you
can do. That if you pay interest, only you can do.
That if you pay interest plus a bunch of, principle
you can do. That you can pay against the principle
at any time and all of your. Savings WHAT i
would do is put most of my savings against this loan,
hardly So i'm paying way less interest AND i have
it available WHEN i need. IT i write a. CHECK
(01:48:05):
i simply write a, check all. Right having said all
of that only took me two. Minutes, now somebody said
they heard that this line of credit freezes at some
point during the. Loan can you explain, that.
Speaker 17 (01:48:18):
SURE i can. It it doesn't. Freeze so it's a
true thirty year line of. Credit it's the first one
hundred and twenty months are are interest.
Speaker 13 (01:48:26):
Only you get access to the full line of.
Speaker 17 (01:48:28):
Credit and so then what it does the next twenty,
years it takes the sow you whatever you. Borrowed it
reduces what you can borrow by one two hundred and
fortieth every. Month for, EXAMPLE i don't have a math
in front of my four hundred. Thousands on the one
hundred and twenty first. Month you can borrow three ninety,
nine then three ninety, eight so it's a force zero
(01:48:50):
balance at the end of thirty.
Speaker 5 (01:48:51):
Years that's so you're not at the end of thirty
years and our face with trying to refinance a.
Speaker 13 (01:48:56):
House, correct it's a forced forced payoff at the end
of the thirty.
Speaker 5 (01:49:00):
Years but it remains a line of.
Speaker 17 (01:49:02):
Credit it remains a line of, credit and you can
still use whatever you can access. To it's only if
you're fully maxed, out then you have to make a.
Payment but if you're not maxed, out you do.
Speaker 5 (01:49:12):
Not, okay thank, You John, clays partner in lending Dot.
Com so let's talk About let's talk about design. Flaws
not design, flaws design, mistakes showing. Mistakes when you're showing a,
house you guys have sold your, share you've also toured
a number of, houses and you notice. Mistakes my personal,
(01:49:33):
opinion bad floors just for somehow makes the house feel,
dingy dirty and. Unkept unkept wood, floors unkept, final unkept,
carpeting matted, carpeting, disgusting even if it has a beautiful floor.
Plan for some, reason pet, stain matted bad floor, coverings, chips,
(01:49:59):
fading stains tells me a lack of. Care because floors
are ubiquitous through the entire. Structure what do you guys
think about floor?
Speaker 2 (01:50:10):
Coverings you, KNOW i would agree with you on floors
because it's such a large surface area as you're walking
through the, home so it really speaks loudly to. You
another thing that really kind of gets me personally about
floors is when every single room is.
Speaker 18 (01:50:25):
Different for, instance even.
Speaker 2 (01:50:27):
Carpet you, know the hallways, different each bedroom is, different
and they just kind of butt up to one. Another
that's Something it kind of takes away from the flow
of the.
Speaker 18 (01:50:34):
House to. Me it really breaks the space.
Speaker 5 (01:50:36):
Up and most designers say, nowadays no matter what design you,
have keep the floors. CONSISTENT i would, agree keep. That
and then what about. Walls and we used to have
a lot of faux finishes which can date a. House
do you guys agree with?
Speaker 20 (01:50:52):
THAT i would say So tom a, Painting And i'll
tell you another one too is oder. Boys especially the
person is a, smoker that could be really. TOUGH i
had one. Cellar they had those plug in you, Know
i'm talking about those air. Fresheners, yeah that made it.
Worse SO i tell people just kind of be, careful
let's talk through this before we list the house and
get the place ready up to.
Speaker 5 (01:51:13):
Par you know there are osonators that can take smell
out of a house. Completely, Yeah so what about design?
Mistakes LIKE i, said designs are like fashion and they
can come in and out of, fashion particularly with color of.
Appliances if people are replacing appliances my, opinion my opinion
(01:51:35):
is white and. Stainless but what do you. Guys think you,
KNOW i like. THAT i like the white and.
Speaker 18 (01:51:42):
STAINLESS i think it's.
Speaker 2 (01:51:43):
Light it's very, classic AND i think that's something that
is going to probably withstand time a little bit better
than some of the you, know the random colors that we've,
seen or some Of i've even, seen like you, know
wood finishes and things like.
Speaker 18 (01:51:56):
THAT i think that kind of dates it a little.
Bit to.
Speaker 5 (01:51:58):
Me we're talking about A La carneu's stove or oven
with the eggplant, cover that's. Different that thing is. Timeless
but if you're talking about just regular, STOVES i introduce
to you in your, mind in your, memory walking into
avocado green. Appliances my, god that's especially when it's a burnt.
(01:52:20):
Avocado oh my. God it just says. Old what do
you do when you have? It do you sell around?
It or do people actually change certain? THINGS a, right,
GUYS i was just thinking through That tom for a.
Speaker 20 (01:52:37):
MINUTE i think the biggest THING i see that people
change through is they'll go back to. Neutrals, so for,
instance If i'm selling a home and they have red
walls and green, walls they'll go back to the.
Speaker 5 (01:52:46):
Basics AND i always suggest that go back to the.
Basics we have a.
Speaker 20 (01:52:49):
Great pink, guy by the, way and just go back
to the, neutral back to the. Basics and that's WHY
i believe stainless still in white works.
Speaker 5 (01:52:55):
Very well in any. Market and then, cabinets if somebody
is redoing, cabinets what do you suggest for timeless. CABINETS
i Think shaker's pretty. Timeless white's pretty. TIMELESS i think
you avoid the weird. FINISHES i think what do you
guys think distressed is? Good what would you avoid with?
(01:53:17):
Cabinets designer.
Speaker 2 (01:53:19):
COLORS i think that's going to be a fad that
we'll probably see go out at some. Point is you,
know the two tone color. Cabinets you, know you're more
vibrant blues some of you Know i've Seen i've seen some,
purples and you, know different colors like that that are
very specific to that. Homeowner you, know one THING i
always advise my clients when we're talking about doing, upgrades you,
(01:53:43):
know to get ready to sell is let's let's be.
Neutral let's go in and try to appeal to the
masses and not necessarily just as specific.
Speaker 5 (01:53:50):
Somebody, Okay so so really when it comes to somebody
asks about home, Theaters GOD i think they're kind of
like swimming. Pools you either love them or hate. Them
nowadays with the big LEDs and, stuff have you seen
less and less dedicated rooms like?
Speaker 20 (01:54:10):
That, Boy, tom it's all over the. Board But i'll say,
this here's the funny. Part i've sold a number of
homes that have home. Theaters and here's the funny. Part
they never buy because of. That they come In, okay right,
price right, Area, OH i like the floor, Plan oh
it has a home. Theater, Great and that's the person
that's where the value gets added once they decide they
like the. Home i've never seen anybody not buy one over.
(01:54:31):
One But i've never seen anybody coming and, say oh,
GEE i gotta have it because of the home theater.
Speaker 5 (01:54:34):
EITHER i think it's just kind of a nice little
extra touch if they have. It and you, know one,
time And, frank you, know WHEN i bought this, house
the people were like, horrors For god's, sakes and they
didn't even move stuff out of the. Way THEY i,
mean you, KNOW i mean that's just playing. STUPID i,
mean who's advising? Them what do you do with personal?
(01:54:57):
STUFF i, mean do you like when people And i'm
not saying they, should AND i don't want people being
warded off thinking, Well i'm not going to go with
that guy or that. Woman but in, General i'm just
asking is it better to be moved out and staged
then be there and? STAGED i would, say for the most,
(01:55:18):
part is better to be out and.
Speaker 20 (01:55:19):
Staged AND i would, say at the very, least if
they have a situation where they have a lot of,
clutter they need to get rid of.
Speaker 5 (01:55:25):
IT i have a trash hall.
Speaker 20 (01:55:26):
Person if they want to get rid of, it we do,
that or work something out where we can get it
moved somewhere else besides inside the. Property BUT i would, say,
overall if they can vacate and stage.
Speaker 5 (01:55:35):
It do you ever bring furniture? In?
Speaker 20 (01:55:37):
Oh, yes in, fact that one THAT i just shared
the video, with we had that staged.
Speaker 5 (01:55:40):
Furniture where does that even come?
Speaker 10 (01:55:42):
From to go to Like american furniture buy a whole
house and return?
Speaker 20 (01:55:47):
It you, KNOW a great. Question they have their own
facilities they Use i'm not. SURE i don't know that
it comes. From oh it's a. Company i'm actually a.
Speaker 5 (01:55:54):
Company, Yeah and they order whatever. Mark there are companies
that will come in and do everything from furniture to
wall hangings to recommendations for the. Brokers it's not like
the broker goes room by room and, says do, this
this and. This how much does that? Cost out of?
Speaker 10 (01:56:12):
Curiosity what does that add to a? Sale in other,
words that's not.
Speaker 5 (01:56:17):
Free no.
Speaker 10 (01:56:18):
Staging typically like that HOUSE i, saw SO i how
much just around around thirty two hundred for, staging.
Speaker 5 (01:56:25):
And then they bring in the.
Speaker 10 (01:56:26):
Furniture, actually they probably walk, in look at it and,
go here's what we're going to.
Speaker 5 (01:56:30):
Do that's.
Speaker 20 (01:56:30):
Ye we have a professional stager walk through the property
and they stage it, professionally looks very.
Speaker 5 (01:56:34):
Nice who foots that?
Speaker 20 (01:56:36):
Bill, well ULTIMATELY i pay it up, front but we
always give the seller that option.
Speaker 5 (01:56:41):
If they want to use staging or.
Speaker 10 (01:56:42):
Not, yeah but THEN i mean simply it comes out
of your. Commission It's i'm sure that's.
Speaker 5 (01:56:46):
Right, yeah, yeah that's why well hold, on hold on
out of the. PROCEEDS i wouldn't necessarily say out of
an individual's, commission or does. It, Frank, well.
Speaker 20 (01:56:56):
That's part of our marketing up, front, Tom so we
figure out up front what the feasts structure is going to.
Be that's fair to the cellar and something we could work,
with and that just all gets structured.
Speaker 5 (01:57:04):
In but ultimately we take the risk with, it we
pay it. Off oh, okay so it does come out.
Speaker 20 (01:57:10):
Okay and for some reason the seller changes their. Mind we,
hey we put it. Riding you, know you can cancel any.
Time you owe us. Nothing so we take all the.
Risk AND i, said we worked to earn your business every,
day and we really back it.
Speaker 5 (01:57:21):
Up for real. Time my, GOD i mean so So.
Speaker 10 (01:57:25):
Mark that is when they sold, ours they didn't have
to come in our one In Castle. ROCK i mean
he sent in like a whole crew of a cleaning
crew that did.
Speaker 5 (01:57:34):
Everything and just got it ready to. Go, man it
was pretty.
Speaker 10 (01:57:38):
Amazing then the money he put into that walk through
back in the, DAY i mean this is ten years,
ago that matter.
Speaker 5 (01:57:45):
Horn they did a THREE d walk through. Tome he
listed it On.
Speaker 10 (01:57:48):
Friday By sunday night we had almost one hundred thousand
people virtually walked through the, house and then By monday
he created offers to look.
Speaker 5 (01:58:01):
At, yeah thank god that We're doug. Good. Okay someone
wants to know what is the conventional not the, conventional
but the going interest rate without putting money in the.
Account is it more than conventional or is it par
at par the all in one.
Speaker 17 (01:58:20):
Loan, yeah so you can't so because it's a simple interest.
Rate and that's why we have a simulator. Online so
there's a, rate but it depends on credit score and all.
This but it's also an effective. Rate so our simulator
we go in there and we can see how much you're,
paying because you only pay interest on what your principal balance.
(01:58:41):
Is so our simulator will do an effective.
Speaker 5 (01:58:43):
Rate meaning but let's just, say as without money in the,
bank what would the rate. Be would it be slightly
higher than market for a conventional?
Speaker 13 (01:58:53):
Loan slightly?
Speaker 17 (01:58:54):
Higher BUT i can tell you right, now on, average
the effective rate on most of the LOANS i do
is less than three.
Speaker 5 (01:59:02):
Percent, well and more, important wait a, minute wait a,
minute is that with tons of? Cash hold, on, mark hold,
on he's saying less Than wait a, minute he's saying
less than three? Percent now now to affect that less
than three, percent for goodness sakes from apar right? Now of?
Seven is that with tons of money in the. Bank
(01:59:22):
what are we talking?
Speaker 17 (01:59:23):
About, yeah it's what's using your money and do. That
but it's it's it's so it's all about interest.
Speaker 13 (01:59:27):
Saved so THIS i can't Is so that's what it's.
About is how.
Speaker 17 (01:59:31):
Much interest would you pay by thirty or fixed mortgage
at seven?
Speaker 5 (01:59:36):
PERCENT i get, THAT i get, That. John All i'm
All i'm, asking. Bro All i'm asking is when you
said your average customer saved three, percent then you have
to accompany that With but that average customer probably has
fifty grand in the.
Speaker 17 (01:59:49):
Bank exactly. Right that's why we have to go on the.
Simulator and it's everybody's situation is. Different you're right, Now
you're absolutely, Right you're.
Speaker 5 (01:59:57):
Right, okay all, right we got more coming right. Up
go with a sure Thing denver's best Roofer Excel roofing dot.
Com you don't pay a cent until you're. Content time
for an insurance check up, free no. Obligation in, comparison
(02:00:18):
Call Compass insurance paying too much your coverage at dozens
of insurance companies find out now THREE o three seven
seven to one. Help you'll think you're his only customer
when you Choose frank durand the real Estate man dot
com to list your home With Remax alliance three oh
three nine two zero sixteen twenty. Two Hi Tom martina,
(02:00:39):
here let's Talk. Patrick you have a question about oil and.
Gas what's going, on?
Speaker 16 (02:00:47):
Sir, OKAY.
Speaker 12 (02:00:52):
I have a.
Speaker 16 (02:00:53):
QUESTION i just have a sneaking feeling someone cuts something
in either the gas my.
Speaker 5 (02:00:59):
Oil oh wait wait wait? Somebody is this your?
Speaker 16 (02:01:03):
Car, well it's a work truck THAT i had sold
to a. Company long story, SHORT i sold my. BUSINESS
i fell.
Speaker 8 (02:01:12):
Through the truck in the back up of my, house.
Speaker 16 (02:01:16):
AND i hadn't moved it in a, while and then
all of a, SUDDEN i moved it and it's smoking really.
Bad and the person who bought the business is definitely
suspicious of doing something like.
Speaker 5 (02:01:28):
This, Next, okay would they do it because they were
upset with you because the sale fell? Through? Yes and
tell me. Something how many miles on this nineteen ninety
Eight Toyota? TACOMA i mean either like two hundred, thousand?
(02:01:48):
Okay and how? Much how much is it? SMOKING i, listen,
man that the idea of a ninety Eight tacoma with
over two hundred thousand miles smoking is not shocking to.
ME i have a toileta somewhat of a toilet aficionado.
Here what do you? Think what color is the?
Speaker 9 (02:02:09):
Smoke is it kind of like grayish? Bluish or is
it pure?
Speaker 8 (02:02:12):
White now it's not pure.
Speaker 16 (02:02:15):
White the thing is is THAT i drove it back
it's no, smoke and when he, left no. Smoke WHEN
i started it out after got dropped off. Smoke So
i'm just what color asking? Is is there a PLACE
i can have it? Testing that's all?
Speaker 5 (02:02:30):
Raining, yes, yes of course there. Is you know you
can have It. TITAN i Believe titan is still around
that there are a lot of people when they do oil,
changes they have.
Speaker 9 (02:02:45):
It they They THEN i, think are you asking to
have the oil tested or are you asking to have
the engine tested to see why it's? Smoking you would.
Speaker 5 (02:02:57):
Start with the oil to see if it's. Contempt why
wouldn't You why wouldn't you do the simple thing?
Speaker 9 (02:03:02):
First, well it's not the simple. THING i think his
conservancy the truck is.
Speaker 5 (02:03:05):
Smoking it's pretty damn simple to test the. Oil just
tell me, no, NO i just want to know why
you wouldn't say test the oil because it could be.
Contaminated it could be a head. Gasket, yeah and an
oil analysis will show. Cooling but, now what What demetria
might say, is but you don't know if the cooling
came from someone adding it or from a leaky head.
(02:03:25):
Gasket is that what you're getting?
Speaker 9 (02:03:27):
At, YEAH i mean anything could be causing it to.
Speaker 5 (02:03:29):
Smoke so what would you how would you start that
compression tests and all the old.
Speaker 9 (02:03:34):
Sashion, No, no take it over to somebody like shared
not attack and ask him what the smoke and then
go from there driving it.
Speaker 16 (02:03:42):
Anywhere i'm. Here hold, on, second security took getting. Her
they never registered it and they drove it, back so
they never drove.
Speaker 5 (02:03:52):
It really Look titan. Laboratories titan.
Speaker 10 (02:03:55):
Laboratories you just bring them an oil sample and they'll
do a full.
Speaker 5 (02:03:58):
Report there you.
Speaker 9 (02:04:01):
Go we're not going to tell you why the truck is.
Speaker 5 (02:04:03):
Smoking no What demitria is, saying it'll tell you what's
what your oil if any is contaminated With if your
oil's not, contaminated you still have the. Problem or if
you find out it is, contamination it might be contaminated
with something outside the. Engine if it's contaminated with, coolant
which is the only other thing that could be contaminated
(02:04:25):
with within the, engine then you would have to seek
the coolant.
Speaker 9 (02:04:29):
Leak, Right but there's a simpler way about. It you
don't need to test the oil to see what's.
Speaker 5 (02:04:33):
Burning so, no hold, on go, ahead dimitry finish your
thought Because i'm not understanding. It go.
Speaker 9 (02:04:37):
Ahead so when you bring when you bring a smoking
truck to the mechanic and they, started they'll know right
away what's causing the. Smoke you can smell the, coolant
or you can smell the burning oil that you really
are the only two or he might have just like
incomplete ce. Question if they.
Speaker 5 (02:04:52):
Smell or if they see us, coolant how do they
then determine if it was purposely done or? Done, bro
just listen for a, minute just for a. MINUTE i
know you want to have yours. TESTED i know it's that.
Speaker 16 (02:05:05):
Understaying i'm just trying to.
Speaker 8 (02:05:06):
Share but you know, what.
Speaker 5 (02:05:07):
The hundreds of thousands of people, listening don't just put
them on. Hold For god's, sakes do you? KNOW i
gotta tell people we don't just do this show for
one or two people who. Call we do the show
to educate our. Audience so if you're a, genius go
ahead and solve your own damn. Problem to go. AHEAD
(02:05:30):
i was asking some edification, questions and that is once
the mechanic zeese or suspects. Cooling then how does the
mechanic know did someone add it or did it?
Speaker 9 (02:05:44):
Leak, yes so they will pressurize the cooling. System it's
called a leak down. Test they pressurize the cooling, system
put a pressure monitor on, it and if that pressure,
drops they'll know there's perhaps a head gas.
Speaker 5 (02:05:56):
Cothleek, okay then what about compression check for rings and
stuff that's.
Speaker 9 (02:06:00):
Well they can also put a compression, tester as you,
know gauge into the engine cylinder one at a, time
crank it over and see if it's see if it's
getting proper compression or if it's slow.
Speaker 5 (02:06:12):
Compression, remember what we're doing here is trying to educate.
People how do you tell the difference between something that
is leaking from within the engine or something that contaminated the.
Engine the only fluid that you would find in the
oil that would leak from within the engine is. Coolant
there is no other, Fluid so you're not going to
(02:06:35):
find a break master brake cylinder leaking into the. Engine,
now once you find what's contaminating the, engine if, it's for,
example something foreign to the inside, coolant then you have
then you're no for sure that it is. Contamination you
know for sure it, is and you know it was
(02:06:55):
introduced by a third. Party this guy thinks they Were
they were really pissed and did something to his. Engine
so that's that's the skinny on it. Again take it
to you, know you can have it done at the.
LABS i would do a drive by With Sheridan Auto.
TECH i, MEAN i agree with, That. Dimitri so you do.
(02:07:17):
Both you figure it. Out could it be what would
make A toyota. Como let's say it's not leaking, coolant
it's not a head. Gasket the other reason it would
smoke is bad, rings.
Speaker 9 (02:07:27):
Right incomplete combustion would be in a. Fuel so if
it's running, Rich if it's running.
Speaker 10 (02:07:32):
Rich, mark what did you, Say, well what he's, saying
fuel can cause. It you can get water in the
engine and basically fuel for most, cars that's going to be.
Speaker 5 (02:07:40):
It that's going to be, it, Right, Okay so water
or slash coolant or or fuel so so oh, yeah,
YEAH i never thought of. That so you get fuel in, there,
right that's another contamination if they find fuel in.
Speaker 9 (02:07:54):
It, well all three of those scenarios THAT i just
described don't require oil. Contamination all three of those scenarios
are results of actual introduction of that fluid right into the, cylinder.
Speaker 5 (02:08:07):
Meaning it's, wearing something is, wearing.
Speaker 9 (02:08:11):
It's or you, know the air fuel mixture is all rough,
right it could be good as bad. Now SO i
wouldn't worry about oil contamination at all because it's unnecessary
to go get this oil. Tested contaminated oil is not
going to cause dissension to. Smoke it's introduction of foreign.
Speaker 5 (02:08:28):
Materials well, yeah but contamination is introduction of foreign Material
it's sucked the. Definition IF i throw something into the,
OIL i am contaminating. It he wants to know was
this done? Intentionally and again it all depends on the. Source, yeah, Exactly.
Speaker 9 (02:08:45):
So he needs to see why it's.
Speaker 5 (02:08:47):
Smoking BUT i don't even know what he would do
if he did find that they contaminate.
Speaker 10 (02:08:51):
It, generally the only reason someone's going to get an
oil analysis is going to be they're looking for some
form of. Metal in the, END i don't know why
anybody would test for. Coolant you can pull the dipstick
and basically look for a milky residue and.
Speaker 5 (02:09:07):
Tell if there's a head gasket. Problem he believes they
put something in it that will be not. COOLANT i
think where he don't know what.
Speaker 10 (02:09:16):
They would check, for in other, words when you send
it out to.
Speaker 5 (02:09:19):
Type in other, words do they check for orange? Juice of,
course not like you, KNOW i don't. Know that's a good.
Question if you say to them we believe it was,
CONTAMINATED i don't.
Speaker 10 (02:09:28):
Know if they have a, test it's probably just come
back as water.
Speaker 5 (02:09:33):
Whatever it. Is you know YOU i think That dmitri's
recommendation was, first a good mechanic is a great. Idea
does oil analysis do anything? Yet? Does but, again start
with a, mechanic because if it's from natural, causes there's
nothing you're going to do about.
Speaker 10 (02:09:51):
It you know a lot of, dealerships if you have
something under, warranty the manufacturer might have, them or aftermarket
warranty they might the actually sends something out to make
sure the oil is.
Speaker 5 (02:10:03):
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(02:12:03):
latest On wegmans Or wagman's SUPERMAR i want to start
by saying it all started when he had an incontinents.
Issue he had to relieve himself behind a. Tree he
made himself. Private they banned him from coming into the.
Store you got it all. Wrong what are you talking?
ABOUT i got it All, wait why are you saying that?
(02:12:24):
Mark that's exactly how it. Started, oh he didn't, urinate he. Incontinentized, okay,
Sorry and then, yeah it wasn't. Intentional and then he
just tried to hide himself as best as. Possible we
Called wagmans and really did call him and, say, look
can you give the guy a? Break and they, said
(02:12:46):
under no. Circumstances he's not just banned from that, location
he's banned from All. Wagmans last, time you, know he
accused our pharmacist of of of malpractice and wanted damages
and now he's looking for something here and we're tired of. Him,
basically they told us straight up he's. Banned. Drew what's the.
(02:13:08):
Latest you called in to tell us the? Latest what's going?
Speaker 25 (02:13:11):
On, well the LATEST i agree With Mark. Sea mark
SAID i should go ahead and ahead With wagmans and
one of your people to call me last night and
says they're rooting for. Me, so but the only WAY
i could do, That Tom wegmans has billions of Dollars i'd.
Have you'd have to set up some type of a
(02:13:31):
fund and give it to a lawyer.
Speaker 5 (02:13:33):
Like auld gofund. Me, no he's not talking about. That
he's talking about a fund that. Wagon so, You, drew,
listen here's WHAT i. Think everything in the last twenty
years that you have lived off of has been from.
Lawsuits you go from one lawsuit to. Another, no, truly
(02:13:54):
you have to admit that of all the people That
i've ever called the, show you have more lawsuits you
want to file than ANYONE i have ever.
Speaker 25 (02:14:04):
Known as A, christian ALL i do is live is
people do bad things and hurt the children In, PATTERSON
i take them to the. COURT i protected the people In.
PRINCETON i protect people as A christian preacher should. Do
most of the preachers are fake or just collecting. Money
(02:14:27):
i'm out. THERE i have a history of protecting people
in the.
Speaker 5 (02:14:31):
Court you also have a history of filing a lot of.
Lawsuits so NOW i need to ask you some clarification
on This wagman's. Issue what are you talking about setting
up a? Fund would you explain that to?
Speaker 25 (02:14:44):
ME i don't know BECAUSE i don't have a computer
or text or a cell, phone SO i really don't
know the modern. WORLD i just Know jesus and if
people are in, TROUBLE i try to help.
Speaker 5 (02:14:59):
Them what is the source of your income right? Now
i'm talking about, You, drew BECAUSE i think you're trying
to help yourself right. Now there's no one you're trying
to protect That. Wagman's you're trying to get money from.
Them let's be honest about, It, Drew. DREW i don't
want to be mean to, you BUT i want to be.
Honest you are looking to get money From wagman's because
you think they did you. Wrong what do you think
(02:15:21):
they owe?
Speaker 25 (02:15:21):
You Tom, see let me finish the. Sentence the money
you can, handle the money you can keep the. Money
IF i wanted, MONEY i could have been crooking the
last fifty years of my. LIFE i stay.
Speaker 5 (02:15:37):
Honest, Out, Drew, drew your sentence is going. NOWHERE i
asked you a. Question what do you want From wagman's right?
Speaker 25 (02:15:45):
Now i'd like From. Wagman's they're lying about, me libel
and slender has. It just let me shop, here that's
ALL i.
Speaker 5 (02:15:55):
Want, okay they won't do. It, now what we did
call for. You we did call for you and tried
to advocate for, you and we, said, look the poor
guy needs. Help he's. Disabled blah blah. Blah they won't,
Move so now what's your next? Move? Drew they will
not let you in the, store.
Speaker 25 (02:16:14):
Specause the security.
Speaker 5 (02:16:16):
People they won't let you in the.
Speaker 25 (02:16:18):
STORE i reported to one, Guy.
Speaker 10 (02:16:21):
Tom you you weren't listen the last time you. Called
you're missing a big part of. THIS a couple teenage
girls that work at the store came, up started shaking
their butt at them and wanted to have sex with.
Speaker 25 (02:16:33):
Them oh, wait the last. Part they shook their butt
at me and they, said come, ON i really don't
know if they wanted to have. SEX i never said That.
Speaker 5 (02:16:44):
Okay what do you want From Wagman's right? Now they're
not going to let you shop. There it's a done.
Deal they will not let you shop, there And.
Speaker 25 (02:16:54):
Mark mark is, right it should be us against.
Speaker 5 (02:16:57):
THEM i don't have anything Against wagmans right. NOW i
don't have anything Against wagmens right, Now, DREW i would
probably ban you from the store, too BECAUSE i think
you're looking for a. Payout and that's my honest to
god transparent. Opinion i'm not being a phony and talking
behind your. BACK i think you're looking for a payout
(02:17:19):
anywhere you can find.
Speaker 25 (02:17:20):
It, NO i wasn't bothering. ANYBODY i was just shopping
at the.
Speaker 5 (02:17:25):
Store and the, guy, well, okay they're not going to
let you shop. Again i'm going to ask you one more,
time what do you want From?
Speaker 25 (02:17:33):
WAGMANS i told you WHAT i want to.
Speaker 5 (02:17:36):
Shore they're not going to let you shop. There so
now what do we? Do what do you want? Now
they're not going to let you shop? There what do you?
Want it's a dead. Issue Bro mark.
Speaker 25 (02:17:45):
Had a good, idea he, said us against. Them you
do the, fund you keep the money for the FUN.
Speaker 5 (02:17:51):
I don't want any, money AND i don't want any.
Fun there's nothing to collect money. For AND i don't
know What mark, meant BUT i didn't get that from
What mark said we got coming up On The Troubleshooter.
Show
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