The Troubleshooter 9-08-25

Episode Transcript

Speaker 1 (00:05):
Ripped up new need advice? Who you don't have?

Speaker 2 (00:13):
Come running just as nap as we can.

Speaker 1 (00:16):
Shooter's gonna help.

Speaker 3 (00:18):
Come Man Dix is the Troubleshooter Show. Now Tom Martino, No,
i'mer ki.

Speaker 4 (00:28):
Hi Tom Martino here, Welcome to the show. Three Oho
three seven one three talk seven one three A two
five five Welcome. We are here to help you with
your problems. That's what this show does. Solves problems, or
at least gives you a direction to go. And uh,
if you're ripping people off, we expose you. We do,
We really do. We expose you like the rat You are.

(00:50):
Some of the worst defenders I have put together on
a website called Sleeze Brigade s l E a z
E sleez Brigade dot com and of course the best
of the best, constantly monitored for your protection and the
only list of its kind anywhere and the first list.

(01:13):
Look it up referral list dot com. One or two
l's doesn't matter, referral list dot com. So today we're
going to talk a little bit solar and whatever is
on your mind. As you know, callers take priority on
this show, So if you have a call, we're going
to take you, and then we're going to go to

(01:33):
our guests, which is Brooke White from UH REDROCKSRS Red Rocks,
Roof and Solar, and we have some very creative things
we can do with solar nowadays, where people can get
the systems down near paid for, they can also get
tax credits and incentives and grants and maybe just maybe

(01:58):
you can have a commercial system yourself he that can
do this and make you a positive cash flow reselling
to the grid or to end users, even if you
don't have a conventional business, maybe a home base business.
Everything we're going to talk about has been done. There
are no secrets. And then one I want to talk
about again. I want to revisit the purchase of tax credits.

(02:22):
Let's say somebody has a tax credit, they're not going
to use it. Well, they have a tax credit, and
you know you're going to pay taxes, why wouldn't you
purchase it? Right, I bragged about the fact that I
wanted to do it. I want to do it, I
want to do it now. I did find an attorney
willing to look at the documents because I just wanted
to make sure I can use them if I buy them. Anyway,

(02:42):
I digress right now, though, We've got tons of things
to talk about, and I'm so happy you're joining us.
And as I said, I've been doing this forty five years,
the longest forty five years in Denver, actually longer elsewhere,
but even that forty five years in Denver, it's the
longest running radio show with the same host currently on
the air, Which means I'm either stubborn and won't retire

(03:03):
even after my bout with cancer, or I just love
what I do. You figure it out. I'm both stubborn
and I love what I do, so that's a double whammy.
Richard wants to talk about Avis rent a car. Richard.
Welcome to the show, Richard. How can we help you? Richard? Okay,

(03:30):
let's try him again, Richard, why don't you speak up
and say hi to me? What's going on? Did he
hang up? But he's he on the lines, you know. Okay,
let's we'll give him a few seconds. I'll go on
to something else and then we'll give him a few seconds.

(03:54):
All right. We talk about commercial solar and Brookes. You
made a move from doing solar both residential and consumer
to more commercial. I suspect it's because that's where the
biggest payoff is. And again you don't. No one says
you have to do residential. Now, of course you're supporting

(04:15):
all the systems you've put in, and I understand that.
But as far as let's talk about as far as
doing commercial, Now, why did you switch? You can pull
that mic down for you, make it comfortable for you,
You can move it anywhere you want. Okay, Yeah, so
what made you switch your emphasis? Yeah?

Speaker 5 (04:36):
So commercial tax credits there's just more of it. You're
doing bigger systems with one client, so you can really
spend a lot of time and energy.

Speaker 4 (04:45):
With those folks. There's more payoff. No, you make less
money doing commercial with you, there's more payoff for the customer. Yeah, yep, absolutely. Yeah. Now,
explain some of the payoffs we have when it comes
to the installation. You have grants that if they qualify.
Explain what a repriap grant does for a commercial system.

Speaker 5 (05:09):
Yeah, So, regardless of grants or not, anybody that does
commercial gets sixty four percent of the system covered in
tax benefits.

Speaker 4 (05:17):
Okay, hold on, even if they don't get the grant.
Even if they don't get the grant, getting me sixty
four percent is covered.

Speaker 5 (05:23):
Yep, sixty four percent as long as you have the
tax liability or you sell your tax credit, right.

Speaker 4 (05:27):
Yeah, you either have to have the liability. Can you
go forward and backward with those credits?

Speaker 6 (05:32):
You can?

Speaker 5 (05:33):
Yeah, you can backdate it three years and then you
can continue it forward for twenty.

Speaker 4 (05:38):
Well, then almost anybody can take those can use those
tax credits. Of course, some business may opt to get
the cash and sell them, but in any case, sixty
four percent of the system is paid for in benefits
right off the path.

Speaker 1 (05:53):
Yep.

Speaker 5 (05:54):
Absolutely, and then depending on the location and who the
solar system is benefiting, it can actually go up to
ninety four percent covered in tax benefits.

Speaker 4 (06:02):
Okay, I'm going to go back to this caller, and
then we're going to talk about these incredible incentives. Anyone
with a commercial building, strip mall rentals, home based agribusiness,
or home based businesses. We're going to talk about these
what can sneak by? And I don't mean illegally, I
mean ethically what can sneak by as a commercial operation.
But right now, Richard, welcome Richard. What's going on? What's

(06:27):
going on with you? Sir?

Speaker 7 (06:30):
Okay, can you hear me?

Speaker 4 (06:33):
I can hear you perfectly wonderful.

Speaker 7 (06:37):
September eighteenth, I flew up to Long Island, New York,
rented a car at the airport a bus.

Speaker 4 (06:45):
Now are you talking about last year?

Speaker 2 (06:48):
I'm talking about this past year, August eighteenth.

Speaker 4 (06:53):
Oh this August. Okay, okay, thank you. August eighteenth. You
went to Long Island, Yeah, okay, go ahead, and you
rented the car I had three.

Speaker 7 (07:04):
I had reserved a car through Costco.

Speaker 2 (07:08):
Which I found to be quite a nice savings.

Speaker 7 (07:14):
And I got to the car rental place, got the car.

Speaker 2 (07:19):
And I declined the insurance because I used my City
Bank card which covers fifty thousand dollars.

Speaker 7 (07:29):
On any damages to the vehicle.

Speaker 2 (07:32):
And I also.

Speaker 7 (07:33):
Found out that I have roadside assistance.

Speaker 2 (07:37):
My issue was September eighteenth.

Speaker 7 (07:40):
I got in the car, I drove to my hotel
and balked the car. Next day, September.

Speaker 2 (07:46):
Nineteenth, I go out about eight.

Speaker 7 (07:48):
Thirty in the morning. Call on store. So there's a
number on the keypob. I called the number. They tell
me forty minutes a guy will.

Speaker 8 (07:58):
Come out and jump Starck comes out, Jump, starts to
the car, drives away, and I said, I'm going to
drive back to the car rental agency and you know,
tell them what's going on here.

Speaker 7 (08:10):
Because he said the battery was bad. I go to
put the car in drive, it stalls out. Can't get it, Starne.
Call up the eight hundred number again. This time I
asked for a toe, So another forty five minute wait.

Speaker 8 (08:24):
A nice young man comes out.

Speaker 7 (08:26):
Brian tolls me and he says, I get a text message.

Speaker 9 (08:31):
Then where was it?

Speaker 4 (08:32):
Where was the toad Richard?

Speaker 7 (08:35):
Okay, it was towed back to where I got the car. Okay,
But I get a text message from Avis that I
have to drive with the cow truck driver to John F.
Kennedy jfk Airplot, which is about thirty five miles. I
guess maybe an hour, hour and a yeah to get

(08:59):
a replacement vehicle, which I thought was observed.

Speaker 4 (09:03):
Well, hold on a second, hold on the car? Was
so back to the rental agency. You were you with
the toad truck driver at the time? Yes, Well tell
me why that's unacceptable that the toad truck driver was
going to give you a ride back to get another car.

Speaker 7 (09:21):
No. No, What I was saying was that I get
a text message from Avish that I have to accompany
the driver ye bring the car back to JFK Airport,
which was.

Speaker 4 (09:34):
I heard that?

Speaker 10 (09:35):
Okay?

Speaker 7 (09:36):
Yes, then I think it's unacceptable. Why I'm six miles
away from where I rented the car.

Speaker 4 (09:43):
Oh I see?

Speaker 7 (09:45):
Okay, So anyways, the driver was nice enough, he says, listen.

Speaker 2 (09:48):
I'll drive you back.

Speaker 8 (09:49):
Maybe they'll give you another car, he goes.

Speaker 7 (09:51):
I don't know why they do this kind of stuff.

Speaker 11 (09:53):
He goes, but that's that's how they operate.

Speaker 2 (09:56):
Make a long story short.

Speaker 7 (09:58):
I talked to the manager there.

Speaker 2 (10:00):
He gives me another car.

Speaker 7 (10:01):
He verifies that the car is going to be sent
back to JFK, which the driver tells.

Speaker 2 (10:07):
Me all cars that have issues.

Speaker 7 (10:10):
Need mechanic work or whatever go to New Jersey. Okay, anyway,
I don't know where.

Speaker 4 (10:16):
This story is ending, and I'm hoping we need this detail.
So where what is the complaint about? So far, it
sounds like everything was done according to plan. Unfortunately, sometimes
with rental vehicles there are hiccups. So where are we
going with the story. Where's the problem?

Speaker 7 (10:36):
The problem was? I get a letter dated August twenty
fifth from a this for a total that I one
one hundred and sixty nine eighty nine cents.

Speaker 4 (10:48):
Now, wait a minute, Wait a minute, Wait a minute.
You got a letter saying you owed over one thousand
dollars for.

Speaker 12 (10:55):
What by having the car toad?

Speaker 4 (11:00):
Wait a minute, Wait a minute, Wait a minute, Hold
on what alternative? Oh wait a minute. They're saying they
could have jumped you. You could have driven it back.
They're saying that you requested a toe and that was
not part of the deal. I think I know where

(11:22):
they're going with ex because I remember you saying you
didn't want to You didn't want it to stall again.
You didn't want to get caught again, so you requested
a toe.

Speaker 7 (11:32):
No, no, well you did, Richard.

Speaker 1 (11:35):
Richard.

Speaker 4 (11:36):
Maybe Richard, maybe that's not what you meant, but that's
what you said. You requested a toe. I don't want
to argue with you. Did you not request a toe?

Speaker 7 (11:46):
I requested a toe after the first guy came to
jump stop me, and then.

Speaker 4 (11:52):
And you stalled out, and then you said, I don't
want to stall out anymore. I want a toe. Correct, Okay,
well okay, then why do we have to go back
and reaffirm that. I'm listening to you, bro, I hear you,
and I know why you're upset. In your mind the
toe was necessary. In their mind, you requested it and
it wasn't necessary. That's what they're going to say. So

(12:15):
where do we stand today? Well, basically, they.

Speaker 7 (12:20):
Said, because I didn't take or I decline roadside assistance,
I have to either my credit card, which is right
now pending. The charge is pending.

Speaker 4 (12:34):
And you know, Okay, here's what I think. Here's what
I think. I want to get my insurance expert on.
I think that your roadside for your own car should
cover this one. Most of the time it does. Just
please hang on, though, I want to examine this because
it's all a matter of contract. I let me state

(12:55):
where I am right now. I believe they have a
right to charge with the toe because you quest of
a toe and you didn't have toe coverage. However, I
believe you should have toe coverage if you're fully covered
on your primary vehicle back home. Hold on, though, and
let's examine that part of it. And I want to
get Compass Insurance group on our expert just to weigh

(13:19):
in on it. Even if you've already been turned down,
you have a reason they might have ideas for you
I'm Tom Martino three oh three seven one three talk
three oh three seven one three eight two five five.
I must tell you Waterpros dot net has the most
crazy promotion going on a whole house water softening unit

(13:39):
thirty nine ninety five. This is a fraction of what
they charge plumbers charge for bogus systems that supposedly soften
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five five four. Go with a sure thing Denver's best

(14:03):
roofer Excel Roofing dot com.

Speaker 6 (14:05):
You don't pay a cent until you're content.

Speaker 4 (14:11):
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 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. Hi, Tom Martino,

(14:34):
your troubleshooter three o three seven to one three talk
seven one three eight two five five. We're going to
attempt to get our uh, Compass insurance expert on because
I want to weigh in on this rental car thing.
Normally coverage as you have with pretty good carriers carry
over and he has roadside assistance and everything with his

(14:56):
primary insurance. Richard, I know you're probably loaded with information.
You probably contacted your carrier, but I want to make
sure before we get you back on that we have
Compass to weigh in on this. Kachina. How are we
coming on getting Brian Burns or Matt or someone. I
haven't heard from them yet. Okay, just hang in there. Meanwhile,

(15:16):
I want to go back to our guest and any
calls we have. Any other calls you can get through
at three oh three Martino three oh three six two
seven eight four sixty six, and of course you can
always call us on the iHeart number while we're on
the air here three oh three, seven one three talks
seven one three eight two five five. So okay, I

(15:39):
want to ask on commercial systems. There's plenty of great incentives.
What legally and ethically can be considered brooke a commercial system, So.

Speaker 5 (15:55):
Businesses that are at home are still considered commercial. How However,
it's always been recommended that you put the panels either
on the grounds or you put them on a detached structure.

Speaker 4 (16:07):
Why is that that way?

Speaker 5 (16:08):
It's just not attached to the residents itself. So there's
a little bit more separation. When you're filing your taxes,
it's easier to show this is just for the business
or any other reasons.

Speaker 4 (16:18):
Okay, what kind of businesses have you done?

Speaker 5 (16:21):
Yeah, so we've done a wide variety of businesses. I mean,
we've even had folks that have embroidery businesses in their
house where they're doing sewing items. Some folks that are
tax accountants that are working out of their home. A
lot of different businesses work out of their homes these days.
And then we also do traditional commercial systems, you know,
where it's actually going on a warehouse or anything else

(16:42):
like that.

Speaker 4 (16:43):
And you've had businesses where they have tenants and explain
how that works with the reselling of electricity with a
solar system.

Speaker 5 (16:51):
Yeah, absolutely, So what we do is one point of
interconnection with the utility company. So what that means is
that all the power from the solar goes to one
point instead of trying to figure out what each tenant's using.
And that makes it cleaner for the building.

Speaker 4 (17:06):
The owner of the building has it come to one meter.

Speaker 5 (17:12):
The owner of the building has all the solar go
out to the utility in one spot so he can
easily record how much the solar system's producing. And then
we install meters to each of his tenants on his
own software so we can see what each of them
are using, and then he can compare the two and
charge appropriately to his tenants, so.

Speaker 4 (17:28):
The tenants don't pay any more than they normally would.
Sometimes they can even save money.

Speaker 5 (17:32):
Yeah, it's up to how the UHRD wants to handle
this situation.

Speaker 4 (17:37):
Yeah, absolutely, But there's nothing wrong with reselling from your
solar system.

Speaker 5 (17:41):
No, not at all, because the way we set it
up is you get net metering for the business, which
means that it's at retail value one to one ratio.
So whatever they send them, they're getting retail value from
the utility to replace the electric bill, and then they're
charging their tenants for the cost on whatever they want
to determine.

Speaker 4 (18:00):
You have, let's say a landlord who previously did not
have a solar system and then puts on a mac
Daddy solar system gets it paid for a good part
of it what does their financial cash flow look like
compared to be with and without the system? So before,
without the system, they would pay their own electric bill

(18:23):
and everyone else would pay their own electric bill.

Speaker 5 (18:25):
Right, yeah, absolutely, So we're doing an install right now
in Denver. Yeah, and I can pull up the numbers,
but from the top of my head, essentially the landlord
is going to make an additional two million over the
span of the solar system.

Speaker 4 (18:40):
So the landlord will make two million in cash flow
over how many years?

Speaker 5 (18:46):
It should be for thirty years, because that's how long
the system's warrantied for.

Speaker 4 (18:49):
Okay, Now that landlord then also got part of the
system paid for. Yep, absolutely, sixty four percent of it covered.
So out of pocket was forty percent of the system
or thirty six percent of the system was out of pocket.
Plus he's making positive cash flow. What does that breakdown
to a year? I didn't do the math. What is

(19:10):
like how much positive cash flow a year? I mean,
it wouldn't matter if it was a dollar. He's not
paying a dime for electricity. I mean, this is crazy. Yeah, so.

Speaker 5 (19:20):
Annually he's looking at making about sixty seven thousand if
you break it down evenly. But Obviously the first year's
you're going to make less, and as Excel increases their rates, you're.

Speaker 4 (19:29):
Going to make for sure. I see.

Speaker 5 (19:30):
Yeah, and then his out of pocket on the project.

Speaker 4 (19:35):
Is right about sixty.

Speaker 5 (19:37):
Three thousand, So in a year or two he'll actually
break even on the.

Speaker 4 (19:40):
Difference and then start making positive cash flow. Plus all
that government all the government incentive that he got to
put it in.

Speaker 5 (19:47):
So and it's tough for commercial tenants right now to
find folks that want to take that. So if you're
getting this good of a deal, you can also give
a discount to your tenants right to make sure that
you're keeping that rental in come coming in. So it's
kind of a threefold scenario for those folks.

Speaker 4 (20:03):
Because you actually can be giving your tenants better rates
for electric than the utility company. Yeah. Absolutely, plus you're
making money on it. Now, what about selling back to
the grid. Would a landlord not sell back to the
grid because they have tenants? It just depends on what
the situation is. I mean, I guess if they have
left over after sell after all of their tenants in themselves,

(20:25):
they can still sell back to the grid.

Speaker 5 (20:27):
Yeah, So Excel and Black Hills are required to do
certain amounts. United Power right now has some really good
rates to sell back to them as well. So those
would be the three companies that I would work with.
If you're in Core territory, you're not gonna make any money.
You're actually gonna lose money by installing solar. If you're
trying to sell back to the grid, what do territories say? Core,

(20:48):
which is like, it's going to be like pine Conifer?

Speaker 4 (20:54):
Why do they not have incentives?

Speaker 5 (20:58):
So Core use government grants to build their own solar fields.
The utility company just was really smart in how they
planned ahead so they can buy into their solar. They
have so much renewable they don't need anymore.

Speaker 4 (21:12):
Wow. Yeah, so they're ahead of the game where those
other folks are like, how does it benefit consumers?

Speaker 5 (21:17):
It does if they do net metering where it's that
one to one ratio.

Speaker 4 (21:21):
But to sell back to the great JO don't know.
What I meant was just to be a customer of
cour do I when a company like that goes renewable,
does it benefit their customers?

Speaker 5 (21:30):
I haven't seen any pros or cons one way or
the other. Once the state of Colorado starts finding utility
companies for not doing renewable.

Speaker 4 (21:41):
Then you'll see those increases.

Speaker 5 (21:43):
So around twenty thirty, you're going to see a big
jump in Black Hills Excel Folks that didn't go renewable.

Speaker 4 (21:49):
They're going to make them do solar or they're going
to find them.

Speaker 5 (21:54):
Okay, hundreds of thousands, if not millions of dollars.

Speaker 4 (21:57):
I got lots of questions. I hear some sent are
going We'll talk about incentives going away and other things
when it comes to a solar but it is a
big deal still. But people are afraid. I mean you're
hearing people are saying right now, Oh, there's no incentive.
They just hear rumors and they don't investigate it. We'll
talk about that and more coming up three oh three

(22:19):
seven one three talk seven one three eight two fivety
five Frank durand the real estate Man dot com. You
want to know what your house will sell for. It's
a tricky market right now. Houses are staying a little
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(22:41):
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truth and it's free of charge. Three O three nine
two zero sixteen twenty two. Frank rand the real estate
Man dot com Go with a sure thing Denver's best
roofer Excel Roofing dot com.

Speaker 6 (22:58):
You don't pay a cent until your ten.

Speaker 4 (23:03):
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
to seven to one.

Speaker 10 (23:14):
Help.

Speaker 4 (23:14):
You'll think you're his only customer when you choose Frank
Durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three O three
seven one three talks seven one three eight two five five.
Tony's got a question on solar and we have Brook

(23:36):
White with us from Red Rocks roof Ens Solar. Go ahead, Tony,
what is your question?

Speaker 2 (23:46):
Uh?

Speaker 11 (23:46):
My question is does it ever pay to add another
panel to a residential project? Uh? Considering the fact that
Iberny use my text.

Speaker 4 (24:00):
Sentives, So you have a solar system, you've already used
your tax incentives, and you're wondering what an added panel
would do for you. Are you selling back to the grid? No,

(24:20):
so you're not producing Okay, I don't produce enough power.

Speaker 11 (24:25):
Here's the thing. When I installed the system, I bought
it at one hundred and six percent. Uh, well, that
was the proposed amount of production, and I would be
buying one hundred and six percent of my annual usage. Unfortunately,
it's been in for about three years and through additional
I guess to additional electricity usage.

Speaker 13 (24:50):
I am now.

Speaker 11 (24:52):
I'm paying an electric company too much for electricity.

Speaker 4 (24:57):
Now, what do you mean You're so your solar sim
is producing what part of your need? Eighty seventy percent?

Speaker 11 (25:04):
How much I don't know I'm going to get.

Speaker 4 (25:10):
And then you're paying the rest to the electric company?

Speaker 11 (25:14):
Correct?

Speaker 4 (25:15):
If he had let me, this is a good question.
If you add to your system, do you do you
get tax credits?

Speaker 6 (25:21):
Yeah?

Speaker 4 (25:21):
Absolutely, So it's like it's like, okay, so it's like
you're putting in a system, you just add to it.
And what is his situation? You were nodding your head
when he was telling you what's going on? Is this
something you hear commonly that it used to be Okay,
now it's not anymore. No, it's just.

Speaker 5 (25:38):
Very common for folks to be told that their solar
system is going to replace their bill and it never
does because there's no guarantees in the contract for the
solar company to be honest when they're selling the deal.
So I get calls like this all the time. Hey,
somebody sold me a deal. It's supposed to be you know,
ex is going to handle my electric bill and it
ends up not covering everything that they need it to.

Speaker 4 (25:59):
So who's your use? So simple calculation. You know what
the family uses and you know what that will produce.
Do they literally just lie to you?

Speaker 12 (26:08):
Yes?

Speaker 5 (26:09):
Okay, wow, yeah, because they don't have any incentive. So
in my contract it says the system has to produce
x amount and if it doesn't, then we owe you
money every year. So unless that's in the contract, I
wouldn't trust the folks that you work with.

Speaker 4 (26:21):
But past that, who's your utility company that you're with, sir,
core Core?

Speaker 5 (26:28):
So if you're on one hundred percent at metering, which
is a one to one ratio, then yeah, you definitely
would have some savings if you added a couple panels,
especially because you're just doing panels and not adding an
inverter or anything else. It would absolutely what would.

Speaker 4 (26:42):
A couple panels do produce more electricity? Basically one hundred percent?
And then you said Core though they don't buy back
the electricity, right, they do, but they do it at
wholesale rate.

Speaker 5 (26:53):
So again, since they've built all their solar, their whole
sale rate's like nothing.

Speaker 4 (26:57):
Okay, So if he just gets to one hundred percent
what he's using, that would benefit him exactly. He would
pay nothing to Core. Yeah, he just have a bill
of about seventeen dollars a month. How much are you
paying to Core now every month?

Speaker 11 (27:12):
Well, it varies. In the past, I was paying you know,
you have to pay your four to eight PM usage.
I forget what they call that peak. Yeah, you have
to pay part of your peak. There's no getting around that.
And so in the past I was doing about thirty

(27:33):
bucks with street lights and everything to Core. Last month
it went up to eighty bucks.

Speaker 4 (27:39):
Now I want wait, wait, wait, wait, why would it
go from thirty to eighty Brooke, Why do you think
he's just using more power and he doesn't have anything
to roll over? Could it be air conditioning? And stuff. Say, hey, Tony,
she is saying what you ought to do is you
do a power calculation and then add whatever panels you

(28:01):
need to get to one percent of your need, and
then it should.

Speaker 11 (28:07):
That's great, Mike. The question, though, is what you say
there are tax benefits out there. I didn't think I
was eligible for anymore because I'd already used the primary one.
And then secondly, does the adding it does it overcome?

Speaker 13 (28:25):
Uh?

Speaker 11 (28:26):
You know I'm going to spend X number of dollars
on the panels. Is that really going to pay off
in the future?

Speaker 4 (28:32):
In front a good question electric, So I mean, yeah,
these is okay.

Speaker 5 (28:37):
So anytime that you buy new solar equipment, you get
the tax credit, and you could do solar on one
hundred different houses in one year, as long as you
own them and they were yours, you would get the
residential tax credit. You have to receive what's called PTO,
or Permission to operate before the December thirty first of
this year for those tax credits to be eligible. But

(28:59):
since they're adding onto a system, is very easy to
get PTO for one or two or maybe three more
panels because you already have.

Speaker 4 (29:05):
It for most of them. Roughly, what would an addition
of a panel cost, you know, maybe like five hundred
bucks per panel, and then he would get thirty percent
of that pack exactly. I think it sounds like it
would pay for itself. Of course, it depends on if
you're paying eighty bucks a month and you save eighty
bucks a month. Do the math.

Speaker 11 (29:24):
Yeah, so, Brooke, I appreciate your help.

Speaker 10 (29:27):
All be in touched.

Speaker 4 (29:29):
Okay, that's redrocksars dot Com again. I you know, I'm
not going to commit them to a bunch of jobs
because they pick and choose based on the incentives to
the customers, and they're doing the big incentive ones. And
that begs the question, what is the story on incentives

(29:50):
both residential and commercial? When will they be gone? We'll
talk about that coming up. Fix It twenty four to seven.
Speaking of utilities, listen to this. Fix it thirty nine bucks.
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(30:13):
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Speaker 6 (30:25):
You don't pay a cent until you're content.

Speaker 4 (30:31):
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 O three seven
to seven to one.

Speaker 10 (30:41):
Help.

Speaker 4 (30:42):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here, Welcome to the show, Richard.
What's going on with your contractor? Welcome to the show, Richard?

(31:03):
How can we help you? Good morning?

Speaker 14 (31:05):
Yeah, we had to help build in trouble here three
years ago and the contractor.

Speaker 4 (31:11):
We had him play now, was this a new custom
home or is it a track home?

Speaker 14 (31:16):
New customer?

Speaker 4 (31:17):
Okay? And how long ago did you start the project?

Speaker 14 (31:21):
Well, we started right towards the start of COVID actually
in Tokas a year and a half to finish.

Speaker 4 (31:26):
It, so from twenty to twenty, from let's say twenty
to twenty two.

Speaker 14 (31:32):
We moved in in November of twenty one.

Speaker 4 (31:35):
Oh, okay, So what happened?

Speaker 13 (31:41):
Okay?

Speaker 14 (31:41):
The contractor. We had him sign a contract stated that
he would be responsible for all subcontractors.

Speaker 4 (31:47):
Well, that's usually the way it is, right, the general
is responsible usually unless you make other arrangements.

Speaker 10 (31:56):
Right.

Speaker 14 (31:56):
And after we got it all said and done, we
found out didn't pay one of the subcontractors.

Speaker 4 (32:02):
So you got a lean, got a lean on the property.

Speaker 14 (32:06):
I got exactly the subcontractor, and he said that the
gentleman who worked for him, the subcontractor, and had he
had worked a contract with the contractor, he had passed
away in the meantime.

Speaker 4 (32:20):
And then who passed away?

Speaker 1 (32:21):
Who?

Speaker 6 (32:22):
Who?

Speaker 4 (32:23):
Richard? Who passed away?

Speaker 14 (32:25):
The subcontractor salesman who worked up the original agreement with
the contractor with our original Well that's.

Speaker 4 (32:32):
That's neither here nor there. Here's the bottom line. Any
subs that worked on your home are due payment, but
not from you. If you did if you did it
the right way, the money is not due you, and
you can actually have lians removed. Would you like to
hear how that works? Yes?

Speaker 12 (32:50):
Please?

Speaker 4 (32:51):
Okay, there's a lean protection statute for homeowners and I'm
going to do it by memory base. If you have
a written contract with a contractor, a general contractor for
a primary residence. Then you are protecting and you can

(33:12):
prove that you paid the general contractor in full. That
means you can't have any disputed amounts if the general
contractor agrees you paid in full, if you have a
written contract, if it's your primary residence, you can do
a quiet title action and have contractor lean removed. Okay,

(33:38):
you didn't know about that statute?

Speaker 14 (33:40):
No, I did not.

Speaker 4 (33:42):
Well, it's for sure, it's for sure.

Speaker 14 (33:45):
The contractor himself, he says he paid the guy.

Speaker 4 (33:50):
It doesn't it doesn't matter to you. You're getting involved
and you don't have to. Do you have a lien
on your property right now?

Speaker 13 (33:58):
Yes?

Speaker 3 (33:59):
Yes, yes.

Speaker 10 (34:01):
We do.

Speaker 4 (34:01):
Okay, get it removed? Did you you know I'm telling
you you don't have to You don't have to mess
with it. Get it. You know, you may have to
pay to have it removed, a quiet title action, get
an attorney to do it. But under Colorado law that

(34:22):
you cannot. You just can't be You can't be held responsible,
not if everything I just said falls into place your
priory residence. Is that correct?

Speaker 14 (34:35):
Yeah, that's correct.

Speaker 4 (34:36):
Two, you paid in full and there's no disputed amount due.

Speaker 14 (34:42):
Well, the contractor. Is our constructor is stating that.

Speaker 10 (34:46):
He paid the guy.

Speaker 4 (34:48):
I'm not now, you're not listening to me. You're not
listening to me. Number one primary residence, Yes, number two.
The contractor will agree that you paid him one of
the contracted amount. Yes, free, you had a written contract. Yes, Okay,

(35:14):
you did a little a lot of hesitating. But what
you do, Richard, call a real estate attorney, do a
quiet tidal action and have the leans removed. It's that simple.
I'm Tom Martino. We got more coming up on the
Troubleshooter Show, Richard, hang on. If you have more questions,
go with a sure thing Denver's Best roofer Excel Roofing

(35:35):
dot com.

Speaker 6 (35:36):
You don't pay a cent until you're content.

Speaker 4 (35:41):
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
to seven to one.

Speaker 10 (35:51):
Help.

Speaker 4 (35:52):
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 to zero sixteen
twenty two.

Speaker 1 (36:01):
Yeah, ripped up news. You need advice, so you don't
have come running just as fast as we can. Shooter's
gonna help come.

Speaker 12 (36:20):
Man Dix.

Speaker 3 (36:22):
Is the Troubleshooter Show. No, Tom Martinez, Hi.

Speaker 4 (36:27):
Tom Martino here, Welcome to the show. Three OZ three
seven one three talk three O three seven one three
eight two five five. All right, what's on your mind?
And how can we help you? Well, that's what we
ask each and every day. I've been doing it for
forty five years. Today we're talking about any number of things,
including solar systems. But Richard has an issue with the contractor.

(36:50):
And I looked up the statute Richard and Richard had
a custom home build. And by the way, the custom
home was built in twenty it was completed in twenty
twenty one, and the general contractor did not pay one
of the subs and that sub put a lien on.

(37:10):
When did that sub contractor put a lien on? Is
he still on with us? Am I talking to the sky? Here?

Speaker 12 (37:22):
Is?

Speaker 4 (37:22):
He's gone? Okay, here's what I want to say. Since
not a lot of people, but I had two people
text me about this and said the same thing happened
to them. First and foremost, there's two things that protect
you with leans. One is the timeliness of the lean.
The lean must be filed within four months of the
stoppage of work. Four months. Now, beware of contractors who

(37:47):
call you out of the blue and say, I didn't
finish the job. There's a few things I left off
I need to get done. That might be because they
had a dispute with the general you don't know about.
They want to come back and they knew there. They're
one hundred twenty days of not in a one hundred yeah, yeah,
one hundred twenty days to file a lien. Now, don't

(38:09):
let them come back until you know that there are
no lean disputes. But the second thing that so in
this case, if you moved in the house in twenty
twenty one, I'm assuming the work was done, they're way
beyond the lean unless they did the lian within four
months of completion of their job. Not the job, but
their job. Next, you're protected by the lean statutes in Colorado,

(38:33):
very specifically a lean statute. It is CRS thirty eight
Dash twenty two Dash one oh two. It's the full
payment defense. If a homeowner can meet these four conditions. One,
a single family owner occupied dwelling that means primary residence.

(38:54):
Two a written contract with the general contractor. Three you
paid the general contractor in full.

Speaker 6 (39:04):
And four you did not collude with.

Speaker 4 (39:07):
The general contractor knowing he didn't pay someone and you
guys said, hey, we can get away without paying this
guy if you do this, this, and this, So it
can't be collusion. It's got to be a legitimate contract
where you paid in full and it was for your
primary residence. So if a lien was filed despite all

(39:30):
these things, it was filed wrongly. Therefore you can have
it removed with a quiet title action. It'll be a
few hundred bucks with an attorney, get it done. That
lien will go nowhere. You can also bond around a lien,
but I wouldn't with something like this. Did you want

(39:52):
to say something, Deputy D.

Speaker 15 (39:55):
Yeah, Tom, I have absolutely no experience with liens like this.
So what would happen if our caller does nothing? Will
this lean eventually just kind of expire and vanish? And
they said how long will it take? And if he's
not about to sell his house, well, when you just
let it vanish.

Speaker 4 (40:09):
He could If he's not selling or refinancing, he could
some people just don't like it, but it would go
away if action is not taken. But and if action
is taken, that's when he can go in with his
affirmative defense and get it removed. So he may want it.
You're right, he doesn't have to do anything because they

(40:30):
will never be able to collect and never be able
to foreclose.

Speaker 15 (40:35):
So if so, do you have any idea how long
he has to wait for the lean to just vanish
on its own.

Speaker 4 (40:43):
I don't. Yeah, there's it's something. I think it's something
like six months. That's it. I think, oh, you got
four months to file, and I believe, Now I could
be wrong. Do you guys know a contractors? I don't know,
but I think and I can ask. I can ask
my boy friend here, but I believe it's four months

(41:05):
to file, six months to perfect, and I'll look it
up during a break. But three oh three seven to
one three talk seven one three two five to five. Now,
by the way, I want to get Brian Burns on
when we can, because I do want to discuss that
rental car coverage. A few people ask about that because

(41:26):
they often wonder, how do I know if the insurance
I have on my car will extend over to the rental. Now,
one thing I can tell you about this for sure,
if you have a rental car, the common coverage is
that extend to the rental would be your liability, your

(41:52):
collision coverage, your windshield coverage, but not law loss of use.
What is loss of use? A lot of people overlook this.
If you have coverages on your automobile and it covers
the body, and it covers anything to do with that

(42:15):
car while it was in your possession, you may you
may be really fat and happy because your insurance just
paid the bill. All of a sudden. Thirty days later,
you get a bill for four grand and you wait,
wait a minute, what's this four thousand dollars? My insurance

(42:37):
paid everything. It's called loss of use. That car, let's say,
was making them one thousand dollars a week and it
was out of commission for four weeks. They can hit
you with loss of use. Now, I'm not sure if
our automobile coverage will extend loss of use. I'm going

(42:57):
to find that out too when I talked to Brian Burns.
But so there's two things I want to talk about.
One is what extends and two what about loss of use.
So those are the things we're going to ask three
oh three seven to one three talk seven one three
eight two five five. Scott's got a follow up with

(43:17):
Camping World. He was working with Bo from last week,
and as I remember the problem with Scott, it's just
the same frustration. God, I mean, it's just terrible, Scott,
I'm looking for you there it is. You bought a
forty three foot Destination camper eighty grand plus extras, so

(43:38):
your loan was ninety grand, yes, and then uh, it
was delivered and the entrance door was off its track,
and the rollers were bad and plus there was just
a lot of poor quality. And what happened Scott.

Speaker 13 (44:01):
Actually, Deputy Bowl was working on it, and he contacted
Camping World and they contacted me immediately that afternoon and
set up an appointment for yesterday. Actually, the guy come
up on Sunday to fix it, and he had to

(44:21):
do some pretty major adjusting on the door with the
other two glass panels because it's a three panel door,
and he fixed it without a problem. They fixed the
shower door that was messed up, and he shook my
hand and went away and that was it.

Speaker 4 (44:43):
WHOA. So we got results.

Speaker 13 (44:46):
We did, we did, and it came he came from
Colorado Springs, the Wheat Rich store made arrangements for the
Colorado Springs store to.

Speaker 12 (44:55):
Come up and do that.

Speaker 4 (44:57):
And that's pretty cool.

Speaker 13 (44:59):
It is very cool. But you know what, Tom, that
doesn't take away from the fact that Camping World ignored
my calls and within one hour of two hours of
my delivery of this trailer. I called him on it
and they said that they it's not their problem until
I talk to you. And I mean, what do you

(45:20):
got to do put someone in advice to get him
to do anything?

Speaker 4 (45:24):
I mean, you know what, this this just goes to
show people who are listening that you can gripe all
you want online and you can gripe to them, and
you can gripe on next door. But to get action,
you call the troubleshooter. And that deserves me pulling out
my dinger today for Monday. And that's for a success

(45:45):
for Bo for what he did for you, and thank
you for letting us know. We really appreciate it. All right.
Three oh three seven one three talk seven one three
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(46:28):
O three nine zero four two thousand. Three oh three
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Speaker 6 (46:42):
You don't pay a cent until you're content.

Speaker 4 (46:47):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three all
three nine two zero sixteen twenty two. Hi Tom Marchino

(47:12):
here at three three seven one three talk seven one
three A two five five. Welcome. Let's talk to Pat,
who has a comment on property. Now, Pat, what what
what are you commenting on? Pat?

Speaker 10 (47:25):
You made a comment on lean releases and start on
lean right for property stuff. So I used to run
a pretty large construction company. Yes, one that we would
do for any of the projects that we had is
we would require before final payment a lean release from

(47:46):
all the contractors and subcontractors before they got their final
say ten percent of whatever the final bill was. And
so if you're an individual and you're having work done,
it's always a smart idea to have a lean release
from the contractor and make sure he's got lean releases
from the subs.

Speaker 4 (48:05):
I was just going to say that if you get
a lean release from the general contractor, it simply gives
you grounds to sue the general contractor, which is a
big headache. And you would have to literally get not
only a lean release from the general but from each
individual subcontractor unless you trust the general to say yes,

(48:27):
I have them, but then you'd have to verify it.
See that's why this law was passed. There's no need
for any lean releases. All you have to do is
have a contract with a general and prove that you
paid the general. The law now takes the onus off
of the individuals to verify payment. They don't have to.

(48:48):
As long as the work was done on their primary
residents and they paid the general contractor, they're immune from
le from leans and they can do a quiet time
action to have it removed. I want to give you
an example of how this works, not just for construction,
but let's say you were having a furnace put in

(49:10):
or a hot tub, and you paid the contractor with
a written contract, and that contractor did not pay the electrician.
That electrician does not have a right to put a
lien on your house. Now. They may do it anyway
to try to scare you, but you can have it

(49:33):
removed immediately. So, Pat, I understand what you're saying about
lean releases, but technically all that does is give you
a contract of promises for which you have to sue,
and you don't have to sue anyone with a quiet
title action using the new lean protection laws. Rick, you
have a comment on Camping World, which in my opinion

(49:56):
has been a dreadful, dreadful, dreadful company.

Speaker 9 (50:00):
What is your comment, Well, you know Tim I have
to agree with you because I'm a fellow urveer and
I've had my run ins with Camping War two over
the years. But over the weekend, there was a baseball
game where the where the batter hit a home run
out out in the stands and dad went over and

(50:22):
retrieved the ball and brought it over and gave it
to his son. And there was a lady that got
all mad because she thought it was her ball and
she we heard about it over there. Yeah, yes, And
what happened the next day on the news. Your buddy
Marcus lamonas that I say in your buddy, No.

Speaker 1 (50:45):
No, no, Marcus.

Speaker 4 (50:46):
He's a good guy and he's a genius when it
comes to business. But he recently, not in the last
few years, bought Camping World. What did he do?

Speaker 9 (50:54):
Right?

Speaker 13 (50:55):
Right?

Speaker 12 (50:56):
He gave.

Speaker 9 (50:59):
The Dad in the Sun World Series tickets for this year,
Holy crap, gave them. He also gave them a new RV.
What what to the dad for being Dad of the Year.
It was all the news yesterday. I saw it. It
was a flip I saw in one of the off

(51:21):
news channels and he was sitting there and he made
the comments they're taking him to the World Series and
he wow, father of brand new RV.

Speaker 4 (51:30):
So oh man, man, you go.

Speaker 9 (51:33):
To Camping World.

Speaker 10 (51:33):
You can't get.

Speaker 9 (51:34):
Good service there by all means terrible service. I don't
take my RV there. But he did really do something nice.

Speaker 4 (51:42):
That's nice to know. Thank you, Rick, I appreciate that.
Now listen, I'm going to go to Brian Burns from
Compass Insurance to go back to a problem Richard had
called about, because I believe Richard might have coverage, but
I'm not sure, and there are a couple of things
I want to talk about when it comes to rental coverage. Richard,
he rented a car and he declined the extra insurance

(52:06):
because his own coverage. He had his own coverage. So
I want to take it one step at a time.
Brian Burns, When does our primary insurance on our car
extend to rentals? Brian with Compass Insurance.

Speaker 16 (52:23):
Well, I mean it is contract based on your policy language,
but most policies are going to extend both. George, the
best coverage you have on your policy. In other words,
if you have three cars and only one of them
has collision and comprehensive, it will extend the collision and
comprehensive to that rental car.

Speaker 4 (52:43):
Okay, so what about and this is not what Richard's
asking about, but I am what about loss of use?

Speaker 16 (52:53):
Yeah, so if you have loss of use coverage, you
can have some coverage for that. But in general, I
tell people just assume if there is a claim, they
will try to get as much money as they can
for that loss of use. But they it's not that easy.
They have to prove that every one of their vehicles

(53:14):
is already rented out in order to even get that.
But yet you could be culpable for that in the case.

Speaker 10 (53:21):
Of a loss.

Speaker 4 (53:22):
Okay. Now, one thing that happened with him. He had
a car with a bad battery and it it stalled
and he had to have a jumped welled again. And
he said, I want a replacement car. I want this
one toad. They towed it. They replaced the car. He

(53:49):
went along his merry way. Now he got a letter
saying he owes more than a thousand dollars, not for
the bad battery, but for the tow. They said they
were willing to jump him again, but he insisted on
a toe. So they're charging him one thousand dollars for

(54:12):
the toe. Now, if he has roadside assistance with his
regular insurance, would that extend to this toe?

Speaker 16 (54:21):
They could, But my guess is gonna be he's got
very limited amount of coverage for it. In other words,
he might have one hundred dollars, they're not going to
cover a thousand unless he's lucky enough that he had
like triple A or something, you know, like Richard or
true roadside plan.

Speaker 4 (54:38):
Richard, who do you have as your insurance coverage on
your cars? We had a problem talking Richard last time.
I think there's a little challenge there somehow can you
bring is Richard there or not? I'm working on it.
Hold on. Wow. I don't know what that means with

(55:00):
a phone call, working on it, but sounds like maybe
we call Alexander Graham Bell Richard, are you there? Okay,
come here, I'm going I need you. Here's what I'm
gonna do. Okay, truly, I'm not gonna I'm not gonna
make my audience endure this. If we can't get Richard

(55:23):
up in ten seconds, I think we we we we
abandon the call, Okay, so just let him go. I
know we have Brian, and I talked to Brian. Thank
you don't put a call up unless we actually have
him on the line and then verify it even after
they've been on hold for a little while. Thank you, Brian.

(55:43):
In general, if I had roadside assistance and towing coverage
on my car, you're saying the same coverage would not
automatically extend.

Speaker 16 (55:55):
Well, it really should because it's a substitute auto at
that point. So yes, if you have roadside assistance and
you had to get your your real car toad, you
should be able to get reimbursed. My only point is
the reimbursement that you usually see is much lower than
one thousand dollars.

Speaker 4 (56:12):
Okay, pass that on to Richard that he should just
check his own coverage and it will likely extend, but
probably not one thousand dollars. We have more coming up
on the Troubleshooter Show three O three seven, one three
eight two five five Go with a sure thing Denver's
Best Roofer Excel roofing dot com.

Speaker 6 (56:34):
You don't pay a cent until you're content.

Speaker 4 (56:39):
Time for an insurance checkup free no obligation comparison call
compass insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one. Help you'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martine

(57:09):
here three three seven one three talks seven to one
three eight two five five. Let's continue with Solar and
h But first though, we have a follow up with
on some of these cases here, So let's go to Dmitri. Dmitri,
what have you been working on? You say you have
a follow up survey.

Speaker 12 (57:28):
Tim.

Speaker 15 (57:28):
You may recall that on Friday afternoon, Hardy called us
because his elderly mom lives in this assisted living apartment
home or some kind of an subsidized apartment home. And
Hardy said that she started getting hit with all these
fifty dollars late fees.

Speaker 4 (57:44):
Yeah, because the first of all, there was no management
on site for a while for six months, and she
claims she dropped it in a mail slot every month
on time, and that she got late charges for that
six months. Yeah.

Speaker 15 (58:00):
So the theory that you and I and Hardy had is, hey,
you know, she dropped them on time, but it was
a few days or a few weeks later. Then somebody
finally picked them up and the apartment complex's computer considered
these late. So you asked me to kind of look
into it, which I did, and I called Cedar Run
or stable Ridge, I'm sorry, and I spoke with them
about it. And then then the you know, the resident

(58:22):
gave them petition.

Speaker 4 (58:23):
Did Hardy make the call over?

Speaker 12 (58:25):
Yeah, it was Hardy.

Speaker 4 (58:26):
That's her son, okay.

Speaker 15 (58:27):
And so he called us on Friday, I want to say,
like early afternoon, probably around nooners.

Speaker 4 (58:32):
And his mother is Constance, right, yeah, ok, got it.

Speaker 12 (58:35):
And so as it turned out, these weren't.

Speaker 15 (58:37):
Actually late fees, and oh really what happened was, you know,
the government is paying for a large parish portion of
her rental she rented house, yes, some kind of a
government benefit, and either the rent went up or the
government benefit declined by a little bit.

Speaker 12 (58:54):
But that fifty bucks a month is the new difference
in rent.

Speaker 15 (58:58):
And so it turns out they actually didn't charge her
any late fees.

Speaker 4 (59:02):
Well were they? You know, what did Hardy think about her?
His mom having to pay more rent?

Speaker 15 (59:05):
Now, well, I'm sure that's not really welcome news, but
they were very satisfied with the outcome of this because
it's you know, their concern was they're paying for nothing
or you know, they're paying for rent for late fees
which were unjustly added to her account.

Speaker 4 (59:20):
So okay, well that's good. I mean, I will.

Speaker 12 (59:23):
Discuss whether or not fifty.

Speaker 4 (59:26):
But what I wanted was clarification, and you got exactly that. Yeah,
we did, we we we cleared up that mess that deserves,
in my opinion, a dinger. So now you know, I'm
using my dinger twice today on a Monday. I just
want to warn everyone that it might you know, if
you do it too much, you know what happens it uh,

(59:48):
you know, too much good news. But anyway, give me
a call if you have a problem, question and complaining
three h three seven one three talk seven one three
eight two five five. Meanwhile, I'm going to my text
messages here, and somebody says, I heard all of the

(01:00:09):
solar things are going away, So let's let's address that,
because this is not the only time I've heard that.
So what is and what is not going away? Let's
talk about it.

Speaker 5 (01:00:21):
Yeah, so the residential one is going away this year at.

Speaker 4 (01:00:24):
The end of the year. Ye, No, more thirty tax credit.
Do you think will happen with the residential market? Oh,
it's going to go away. God, absolutely, it's too bad,
it'll be gone. Yeah.

Speaker 5 (01:00:36):
So I think by April of next year, a lot
of electricians in the state of Colorado and around the
US are going to be out of work, a lot
of roof guys and so on and so forth.

Speaker 4 (01:00:45):
And there are people that do just residential solar.

Speaker 5 (01:00:48):
Most most companies just your residential solar because that's where
the money's at.

Speaker 4 (01:00:52):
And you don't think people will buy it without the
incentive or will it be cost prohibitive. It's cost prohibitive.

Speaker 5 (01:01:00):
Okay, Yeah, there's only maybe Excel Territory, maybe Black Hills,
depending on your usage, are you going to get that ROI?

Speaker 4 (01:01:08):
Otherwise it's going to be pretty cost prohibitive. Okay. Now
let's talk about commercial. Will they go away?

Speaker 5 (01:01:17):
Commercial is set to expire in twenty thirty two.

Speaker 4 (01:01:20):
That hasn't changed at all. Wow, twenty thirty two. That's
a good. That's a good.

Speaker 5 (01:01:25):
Bad then yeah, Well, everything with this administration I think
is a toss up as far as solar credits because in.

Speaker 4 (01:01:32):
Trump because a new a new administration could theoretically change it, right.

Speaker 5 (01:01:37):
Yeah, And what Trump It's hard to predict because his
first administration he actually extended the residential tax credits to
twenty thirty two, and then this time he got rid
of them, right, So it's hard for me to predict
what he's going to do next year. So for all
of my commercial folks, I'm telling them, by March of
twenty twenty six, you should have a signed contract if
you're really interested, because then you're safe past that.

Speaker 4 (01:01:58):
You know, I can't predict anything.

Speaker 5 (01:02:00):
And then the grants are there's one state grant for
solar right now.

Speaker 4 (01:02:05):
The other grants have also gone away. The rep grant
still there.

Speaker 5 (01:02:10):
It has also been put on pause, so even the
folks that applied last year, the administration has put a
pause on giving those grant money awards out.

Speaker 4 (01:02:21):
So when you said they can get a lot of
it paid for, it's not through REAP, it's not through
a grant.

Speaker 5 (01:02:27):
The tax credits, depending on where you're at, can cover
ninety four percent of your project.

Speaker 4 (01:02:32):
Wow, no matter where you're at in the state.

Speaker 5 (01:02:33):
You can get sixty four percent of it covered, and
then that difference can be subsidized by grants. Now, The
state of Colorado has a great program that they're running
called the micro Gride Grant and that matches up to
two point five million.

Speaker 4 (01:02:49):
What is that micro grid?

Speaker 5 (01:02:52):
Yeah, so let's say that you are going to put
in something for like a fire department or something that
has a community value to a library's low income, something
like that that you can say as a good benefit
to the community.

Speaker 4 (01:03:06):
Were school exactly, then that's eligible.

Speaker 5 (01:03:09):
Even a social club like your gun club would be
considered a community benefit.

Speaker 10 (01:03:13):
Right.

Speaker 4 (01:03:14):
So Dimitri was theoretically saying, what if I leased land
from the gun club, they get the benefit of a
lease payment every month, and I invest in a solar system.
And what was your thought on that, Dmitri, that you
would make You would make money on the solar system.

Speaker 12 (01:03:30):
Yeah, exactly. I just kind of looked at it.

Speaker 15 (01:03:32):
Yeah, I just looked at it as you know, ongoing
long term income, predictable income, right, And that's what I, uh,
that's what I was taking.

Speaker 4 (01:03:39):
And to do the numbers work out for something like that.
For people who want to be entrepreneurs with solar.

Speaker 5 (01:03:46):
It always depends on what utility company is buying your power.

Speaker 4 (01:03:50):
So Excel is one of the worst to sell back
to because they don't pay you what they pay.

Speaker 5 (01:03:57):
You wholesale value, which is one and a half to
to sense.

Speaker 4 (01:04:00):
Peron who determines what the utility company pays for power?
Who determines that the utility company. So what's to prevent
them from saying we're going to pay you a half
a penny?

Speaker 5 (01:04:12):
They can do however they want you on the contract.
Usually for these solar field projects, it's a twenty year
contract and it's very set on what you're receiving every year.
And then there's also an inflation clause, so every three
to five years you get an additional income because of
the inflation that hits.

Speaker 4 (01:04:28):
Okay, I got a letter with my utility bill and
it said, do you want a reduction in electric every month?
Become part of this solar field and you automatically you
have to do nothing at all. It just sign your name.
What is that all about? I want you to tell

(01:04:49):
me about that coming up, because I have no idea.
They said I don't have to do anything. I just
have to sign my name. And I said, what idiot
would not just sign their name? And I think they said,
like it twenty percent reduction in my bill or something
more on that coming up. I'm Tom Martino three oh
three seven one three eight two five five. Go with

(01:05:12):
a sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 6 (01:05:15):
You don't pay a cent until you're content.

Speaker 4 (01:05:21):
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 three oh
three nine two zero sixteen twenty two. Hi Tom Martino

(01:05:48):
here three O three seven one three talk seven one
three A two five five. Whatever's on your mind? Give
us a call. I want to recap some of the
things we've been talking about that's really important as we
near the first half the show. Now here's the thing.
We had Liz call in and I did some other investigating,

(01:06:10):
and Liz wanted to control her dad's actions with a
power of attorney. People confuse all the time the powers
of a power of attorney. Basically, a power of attorney
is for signing things when the person is not available

(01:06:34):
or incapacitated for signing things. It is not it is
not for directing that person. That person can do anything
they want, any time they want. Unless they are declared
incompetent and you are a guardian, you do not have conrol.
Things you don't. Now you can sign checks for them,

(01:06:58):
you can make payments for them. You can do certain things,
but you can't tell them where to make payments. See
the difference. You can sign for the payment, but you
can't say no, don't do that. This woman wanted her
dad to be controlled. Now, by the way, I think
Liz had a great point. Whenever older people suddenly get

(01:07:22):
new friends, it is a sign of possible elder abuse,
which could be financial or physical health wise. But always
beware of that. Older people who suddenly develop friendships with
new friends, younger people, or just people who just make

(01:07:43):
themselves available, whether it's from their church or a community
group or online, be very very mindful of that. Some
other signs would be withdrawals from accounts and no reasonable
explanation or forgetfulness and things like that. Now here's the

(01:08:05):
dicey thing. Unless they are declared incompetent, they can do
anything they want. In Liz's case, her ninety four year
old father was making some mistakes. You have to get
a doctor and another family member or do it yourself.

(01:08:26):
You've got to file for a competency hearing. Now. A
lot of older people don't like when you do that.
They feel like they're losing control. It's always best to
talk to them first and say, look, I just want
to protect you now. Again, whether you're a son or
a daughter, or a cousin, a niece, a nephew, it's

(01:08:47):
very difficult. It's a very difficult conversation when you are
giving up control or asking them to give up control.
So please be aware that though you should monitor your
parents or your elderly relatives or loved ones affairs, and

(01:09:08):
you should for sure report to someone. There is actually
a center for elder abuse. Did you know that that
you can report to Deputy d Yeah.

Speaker 15 (01:09:18):
I try to contact them on two cases we've had
over the months. Did they where they were going to responded?
That's a some kind of a federal office run by
the Department of Justice. It's really terrible. Maybe that's changed
now that Pam Bondi is in place, but it was
a disappointment okay.

Speaker 4 (01:09:36):
Also, this guy named Jimmy called. Some people were asking
about this and they said, why can't I cash in
my four oh one K? Let me explain what happened.
Jimmy worked for a place and had a four oh
one K and he had to give his wife half
of it. Those are called kudro's. It's a way to

(01:09:57):
cash in and give half to your spouse without penalty.
So you're able to disperse half of it to your spouse.
If your spouse is under fifty nine and a half,
it should go in an IRA. If it doesn't, your
spouse will have to pay I believe a penalty. I'm

(01:10:17):
not sure, but there was something about spouses who are
younger can't just take the cash. They might have to
pay the tax to whatever. But a kudro is allowed
in a divorce without you getting a penalty. You can
withdraw half of it and give it to your spouse.
The other half you may not be able to cash in.

(01:10:40):
In fact, anyone with a four to oh one K
listen up. There are people who encourage you to cash
in four o one k's and buy annuities. That could
be a good idea as you're getting older and approaching retirement,
but it's not always available to you. So coming up
in the next hour, I'm going to talk about what's

(01:11:02):
called an in service contribution. I also want to talk
about the solar fields and how I can save twenty
percent on my electric bill. Coming up, go with a
sure thing Denver's Best roofer Excel Roofing dot com.

Speaker 6 (01:11:17):
You don't pay a cent until you're content.

Speaker 4 (01:11:23):
Time for an insurance checkup 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 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 (01:11:48):
Ript News needs you don't have run ins a CAD
that's gonna help.

Speaker 3 (01:12:01):
Coming man, This is the Troubleshooter Show.

Speaker 4 (01:12:06):
Now Tom Martine, Hi, Tom Martino here, Welcome to the show.
Three oh three seven one three talk seven one three
eight two five five. I have a guest today. I
have Red Rocks, roof and Solar with us talking about
solar systems and how to make money with solar systems.
And I talked about uh solar fields, and I got

(01:12:29):
to notice in my Excel bill that I could reduce
my bill immediately by becoming part of a solar field
somewhere in my neighborhood or nearby or something. We'll talk
about that and more coming up also in service distributions
of four to one K's again a very important thing
to talk about because I'm getting questions about it. So welcome.

(01:12:54):
Three oh three seven one, three eight, two five five
is our number if you have a problem, a question,
or complaint, or you can also call three oh three
Martino three oh three six two seven eight four sixty six.
So let's take solar fields. What is this notice that
I got saying that I could immediately save money? What

(01:13:20):
is it all about? Yeah? Absolutely, so, okay, go ahead,
there you are. Yeah.

Speaker 5 (01:13:24):
So, utility companies have to have so much of their
power through renewable sources per Colorado state law. Okay, that
has to start by twenty thirty. Uh So, a lot
of companies are already starting to build their solar fields,
and Excel is one of those folks.

Speaker 4 (01:13:41):
So, so how much percent do they have to have thirty.
Oh I'm not.

Speaker 5 (01:13:45):
It depends on each utility company, and it's also gradiated.

Speaker 4 (01:13:49):
But there they have to have a certain amount of
renewable energy, renewables considered wind or sun Yeah, win sun.

Speaker 5 (01:13:56):
I'm assuming hydro is part of that, Okay, geothermal, anything
considered renewable by I would assume federal tax.

Speaker 4 (01:14:02):
And oil is not considered renewable, and gas is not
considered renewable and all of that. Okay, so go ahead.

Speaker 5 (01:14:09):
Yeah, And so the state of Colorado right now under
polus is said to be one hundred percent.

Speaker 4 (01:14:13):
Renewable by twenty fifty.

Speaker 5 (01:14:16):
So that's what one hundred percent of the utility power
has to be from renewable. So from twenty thirty to
twenty fifty, it's in stages.

Speaker 4 (01:14:23):
So is Excel building these fields? Every utility in Colorado
is they're building fields. Okay, So Excel built the field.
They didn't say it was owned by Excel. They said
a solar field, a neighborhood solar field. So what does
that look like? All I do is sign my name
and I can save the money. There's no hook, No,
there's no hook.

Speaker 5 (01:14:43):
It just is that as Excel increases their rates. Your
rates also increase with it, Whereas if you bought solar
for your own house, you know what your investment is
for the power is going to produce over thirty six.
That's the only difference.

Speaker 4 (01:14:56):
Okay, does that make sense? You will always get a
reduction from normal detail exactly, but you'll get more of
a reduction. Meaning if you have your own system, it
freezes your electric bill right there.

Speaker 5 (01:15:07):
Yeah, but some homes it doesn't make sense to have
solar on your own house, right You might have a
shade factor, or your roof might not work, or maybe
you just don't have the force.

Speaker 4 (01:15:16):
You don't have that much, you don't use that much.
Let's say, if you're empty nesters or young people that
may not use as much electricity. The payback would be
too long.

Speaker 5 (01:15:27):
Yeah, especially if you don't make the income to get
the tax credit. You don't have any liability. How are
you gonna you know, recoup that value? Absolutely, so this
is a great option for.

Speaker 4 (01:15:35):
A lot of folks. Okay, and it what do you
know what the actual name of that program is. I'm
not sure what the name is. I just know I
don't get it in every bill, but I do get
notifications every now and then to join it, and they
get that there's a name for each field and is
it nearby or is it just well, what am I

(01:15:57):
actually buying into?

Speaker 5 (01:16:01):
I think it depends on which one you are participating in.

Speaker 4 (01:16:05):
Some folks buy panels.

Speaker 5 (01:16:07):
Within a solar field that they have access to that
reduced power.

Speaker 4 (01:16:10):
Do they actually own those panels? Technically? Yes? And then
some folks are just well, how do you pay for them?
How do you pay for that? Yeah? Yeah, because all
they told me I had to do was sign my
name and get a reduction in my electric bill. Yeah.

Speaker 5 (01:16:24):
And so in your method that you're discussing, it sounds
more like that Excel has access to solar energy, whether
or not they own the field or they're just paying
for the production of the solar.

Speaker 4 (01:16:34):
I'm not sure got either way.

Speaker 5 (01:16:36):
But you are getting a reduced bill because they're not
paying as much to do it. Think about it, if
they had to go out dig coal, burn coal, and
then move it on the power lines versus the sun
shining right, there's definitely a reduction in how much.

Speaker 4 (01:16:52):
They're you know why, That's what I wondered, Why haven't
utility company's been more aggressive? Even I mean, it seems
to me that it's much cheaper to build a solar
field than an electrical generating plant.

Speaker 5 (01:17:09):
Yeah, so solar fields are great during the daytime, but
what do you do at night?

Speaker 4 (01:17:15):
Okay? So coal is very consistent.

Speaker 5 (01:17:17):
You can make the same amount of power at noon
as you can at midnight, right, But a solar you
have to have a battery or some sort of storage
device to hold it during the day, and that's what
makes it more expensive. But if the government has subsidized
that program.

Speaker 4 (01:17:33):
Which they have for the utility company is now, it's
doesn't make that difference that big, okay, Right, So our
battery is still considered the crunch point when it comes
to really going solar. I mean because really, as you say,
when the sun shining, it's fine, but if you can't,
if you can't save that energy, it's doing you no good.

Speaker 5 (01:17:56):
So for normal residents like my house, I don't know
about it.

Speaker 4 (01:18:00):
I don't want batteries.

Speaker 5 (01:18:01):
I don't think batteries matter because I've never lost power
any moment.

Speaker 4 (01:18:05):
That I've been there.

Speaker 5 (01:18:06):
Some folks lose power a lot, right, and so for.

Speaker 4 (01:18:10):
Them it makes power meaning blackouts exactly.

Speaker 5 (01:18:13):
Yeah, so the grid goes down for whatever reason. I
just met with somebody this weekend too. Once a month
she says she's out of power for six hours and
she has a well pump, and so for her batteries,
absolutely she wants them. It makes a lot of sense.
Generator generators are great too. We do both, so it
doesn't matter to me.

Speaker 4 (01:18:29):
But with solar, if you don't have sun, you don't
have power right period, unless you store it.

Speaker 5 (01:18:38):
Yeah, if you are doing net metering, it's kind of
funky how you can store it because essentially the grid
becomes your backup supply.

Speaker 4 (01:18:46):
Uh. Okay, So you're so with with net metering. You're
only charged for the net that you use. Right. If
you produce one hundred and you use eighty.

Speaker 5 (01:18:59):
The extra twenty you get either rolled over in billing
the next year or you get paid out depending on
your utaility.

Speaker 4 (01:19:05):
Excel do net metering, Yeah, absolutely do. Most companies do
net metering. They have to in the state of Colorado. Okay,
So everything you contribute you eventually get to use yep,
or you get to bank exactly. So there's no reason for.

Speaker 5 (01:19:19):
Batteries unless the grid is going down. I don't really
find batteries to be valuable.

Speaker 4 (01:19:24):
Okay, and that is with solar, with the solar system
on your home and solar fields, it sounds like there's
no downside. If your utility company wants you to join one,
you don't have to pay a dime. You just sign
your name and start saving money. In fact, I don't
know why I haven't done it, because it just sounded
weird to me. I haven't done it yet. I've gotten

(01:19:46):
three letters so far and three bills, not consecutive, but
every now and then saying do you want to join?
Is there a limit to how many people can join
that field? Is that why I only get letters? Maybe
as new f fields come available, is that why I'm
not getting one every month? I mean, in other words,
they can't have everyone sign up for that field.

Speaker 5 (01:20:08):
Yeah, I mean that's a question I have no idea about,
because that I would have to have access to Excel's
total infrastructure on their solar renewable energy.

Speaker 4 (01:20:19):
I mean, that's a pretty impossible question for you. You
don't really know how it works. I understand that it's
it's something that is worth looking into. Three zero three
seven one three talk seven one three A two five
five excuse me A two five five. By the way,
K ANDH Home Solutions, I talk about their window, siding,
doors and more the more right now K and H

(01:20:39):
Painting pros They have everything for the outside of your
house to make it look beautiful and to be energy efficient.
That's Khwindows dot com. Go with a sure thing Denver's
best roofer Excel Roofing dot com. You don't pay a cent,

(01:21:00):
You're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance

(01:21:21):
three all three nine two zero sixteen twenty two. Hi
Tom Martino here, Welcome. We're here to help you solve problems,
answer questions, take complaints, make your life a little easier
and uh so, anyway, what I want to tell you
is we have a brook White with us from redrocksars

(01:21:45):
dot com, Redrocks roof and Solar. We've been talking solar,
but we can talk anything you want. And someone mentioned
about the lean release, and why do I tell people
that they can stop lians. They can't. That's right. You
can't stop someone from being stupid and putting a lease
on a home if they want to, they can, But

(01:22:08):
you can have it removed again in Colorado for primary
residence only if you have work done on your primary residence,
no matter what is a roof, a whole house being built,
an addition being put on, a furnace, a swimming pool, whatever,
you have done. One if it is your primary residence. Two,

(01:22:33):
if you have a written contract with a contractor, Three
you pay that contractor in full. Then no sub who
works for that contractor will have a lean survive on
your home. It's just not going to work. If they

(01:22:54):
put it on there. It might be an inconvenience because
you have to have it removed with a quiet title action.
But if you don't have it removed, it'll drop off
on its own. If nothing is done with it, it'll
drop off on its own. So a lot of people
wonder about that. Okay, here's for Dimitri. I read it
off the air. I'll read it on the air. Tell

(01:23:15):
Dmitri is not that exciting and the government doesn't care
about him. And he's speaking about basically Dimitri's fear of
putting in his birth date and his address and all
his information into smart devices. Smart devices want to know
all about you, Dmitri said, Why would a washer need

(01:23:38):
to know my email address? Or why does a washer
or a dryer need to know my date of birth?

Speaker 15 (01:23:45):
Go ahead, Dmitri, Well, Tom, why does the flashlight app
and my cell phone demand access to my context list?

Speaker 12 (01:23:54):
Who does a flashlight app.

Speaker 15 (01:23:56):
That I downloaded into my phone wanted access to my
content list?

Speaker 12 (01:24:01):
Your TV wanted to know your birthdate?

Speaker 4 (01:24:04):
Or when I said it?

Speaker 15 (01:24:05):
Yes, so this.

Speaker 12 (01:24:06):
Gentleman or this lady who wrote you that email?

Speaker 15 (01:24:09):
She says, Well, he's not that interesting and he's not
of interest to anybody.

Speaker 12 (01:24:13):
Well, then why do they want to know my birth date?

Speaker 15 (01:24:16):
Why does a flashlight want whom I'm connected to?

Speaker 12 (01:24:20):
In myself?

Speaker 4 (01:24:21):
I just asked Chad, who's also smart device? Technically, why
do my smart devices want to know my date of birth?
It says smart devices and apps often ask for your
date of birth for several key reasons, some legitimate, some questionable,
depending on the context, children privacy laws, devices and services

(01:24:43):
may need to comply with the Children's Privacy Act, which
restricts data collection from users under thirteen. Therefore, if you
put in an age that's under thirteen, they stop the
collection at that point.

Speaker 15 (01:24:57):
So doesn't that just prove my point that that television
be behind you is collecting data on you, it's listening.

Speaker 4 (01:25:02):
Personalization devices might use your DOB to tailor recommendations like
music videos. Ads provide related features like greetings on your birthday.
Wouldn't you want to get a greeting on your.

Speaker 12 (01:25:15):
Birthday from my television?

Speaker 4 (01:25:17):
Flashlight in for life stage, for interface simplification or targeting,
I don't know what that means marketing, build demographic profiles,
target advertisements effectively to you develop and improve products based
on user age groups in general? Who's buying these cvs

(01:25:38):
and let's design them then for them, as opposed to
design why design for people who aren't buying them? Another one?
In some case, a date of birth might be used
to reset your password or an identity check when you
contact support. Now here's what they say could be questionable

(01:25:59):
over of data with the intent of selling your data
to third parties for monetization. But even if they do,
why does that bother you somebody. What I'm saying is
dimitri one dastardly deed. What they do with your info? Well,
they started credit profile. Are you afraid of identity theft?

(01:26:20):
I mean, what exactly is that?

Speaker 15 (01:26:23):
There are really two halves to my concern. The benign
the benign reason that you mentioned, which is building a
profile for marketing reasons. That's fine, assuming I get to
share in the revenue they collect on me. I don't
want to provide myself as a free product for Google
or Apple or somebody else to resell. But even more

(01:26:43):
importantly than that is your mention of identity theft. So
that vacuum cleaner you have wash your washer and dryer,
they don't have the security protocols that your phone and
your computer have, so a hacker could much more easily
get into your washer washing machine or into your vacuum
cleaner and look up everything, including images of the interior

(01:27:05):
of your home and find out when you come and
go when the house is unoccupied, where the valuables are stored,
that sort of thing. So that's the second half of
my concern. Does that kind of make sense? Well, in
a way, it's not paranoia. The government already knows everything
about me.

Speaker 4 (01:27:22):
Okay, So Brooks, somebody wants to know with the solar system,
is there any way with a residential system that they
can sell back to the grid instead of net metering?
Is there a way to actually make money on that? Yeah?

Speaker 5 (01:27:41):
So all the utility companies for residential are required to
do net metering for a twelve month period.

Speaker 4 (01:27:48):
And net metering simply means you pay for what you
don't generate. Yeah, it's the difference. Yeah, or they buy
what you overgenerate. Nope.

Speaker 5 (01:27:57):
What I'm saying is that whatever you are going to use, use,
as long as you produce that much, it's.

Speaker 4 (01:28:02):
A wash, right Okay, Okay, Now just to remember generate
what you use, it's.

Speaker 6 (01:28:07):
A wash, yep.

Speaker 5 (01:28:08):
And then after that, anything you produce an excess depends
on the utilities rules.

Speaker 4 (01:28:13):
As to how much you get paid. Okay.

Speaker 5 (01:28:15):
So for Excel you can get paid out, but it's
at about one and a half to two cents per
kilo what hour.

Speaker 4 (01:28:20):
Okay.

Speaker 5 (01:28:21):
Most of the other co ops, so United Core, any
of those others, you're looking at about four cents.

Speaker 4 (01:28:26):
Per kilo one hour. So is it a credit on
your bill? Yep? But it'll be a credit on your
bill that carries over.

Speaker 7 (01:28:31):
Yep.

Speaker 5 (01:28:32):
Longmot utility actually will pay you retail value.

Speaker 4 (01:28:35):
But why it's not a law that they Why shouldn't
they buy for exactly what they charge? Why shouldn't they
What is their reasoning? Why does the government let them
buy back less than like for example, if I want,
why not just do it or apply it to my
future bills for exactly what I use. So if I

(01:28:57):
use let's just say I generate one hundred more kill
wats then I use, I'm just using stupid numbers. Then
in the future that one hundred kilowats can be used
by me where there's no value put on it. It's
just being used by me without me being charged for it. Yes,
different utility companies have that. So Excel has that program
where you can just roll it over every year.

Speaker 5 (01:29:17):
Whatever you overproduce gets strolled over to the next year
for you to use whenever you want to.

Speaker 4 (01:29:21):
Okay, so that is retail then, yep.

Speaker 5 (01:29:23):
It just depends on your utility and what their rules
and regulations are for how to handle it. But everybody
in the state of Colorado is a utility company has
to give you at least twelve months of retail value
at that net metering.

Speaker 4 (01:29:36):
And then after that it goes to whatever their rule
is exactly okay. And so do you have people somebody
else wants to know. If I'm putting in a solar system,
wouldn't it be a good time to overbuild my system?
What would be the benefit of overbuilding because they'd get
the thirty percent tax credit by overbuilding their system, meaning

(01:29:57):
extra panels to overgener rate. What would that do for them?

Speaker 5 (01:30:01):
Again, it depends on who the utility company is. I
always recommend for a residence to build around one hundred
and ten to one hundred and fifteen percent offset, so
that way, as you grow and the system becomes less efficient,
your electric bill is always covered. But you're not overproducing
too much because longmut Utility is the only company that

(01:30:22):
will give you retail value for your overproduction in the
whole state of Colorado.

Speaker 4 (01:30:26):
That's it.

Speaker 5 (01:30:27):
So usually you're losing money if you overproduce too much.

Speaker 4 (01:30:31):
There's no reason to overproduce if.

Speaker 5 (01:30:34):
You're making four cents per kilotto or on any power
that you're sending them for a residence. Typically that is
like let's say twenty bucks a year I'm just giving
you a number that twenty bucks a year is probably
going to cost you four grand to overproduce your system
buy So even with.

Speaker 4 (01:30:54):
You tell your systems for people based on where they are,
that's what it should be.

Speaker 5 (01:31:00):
Or you know, if somebody says, this is what I
use now, but next year I'm putting in a hot
tub and an EV charger and all these things, absolutely
I'm going to overbuild their system then because they're going
to use more next year and they can't have access
to the tax credit, right right, right, So but in general, no,
you want to stick around one hundred and ten percent offset.

Speaker 4 (01:31:18):
Okay, So basically, what are residential companies doing now, knowing
that it's ending at the end of the year, I
mean this incentives. Are they switching to commercial? What are
they doing?

Speaker 5 (01:31:33):
I mean a lot of the big solar companies have
already left Colorado because it's too hard to pass final inspections. Anyways,
just the way that we build stuff, we build it
really well to code to last. So I would anticipate
most of them go away or try to do just
detach and resets during hail season.

Speaker 4 (01:31:50):
There's going to be a giant business for servicing solar
systems there already is I mean, I get called, what
are there companies that do just service? You don't make
that much money doing just service?

Speaker 5 (01:32:01):
You don't, No, I mean most of the time, I'm
actually losing money by doing a service case. But I'm
looking to gain a long time client for when they
do have hail and they need a new roof and
a detetion reset, or if they say, hey, you know,
we're looking to expand our system.

Speaker 4 (01:32:15):
That's really what I'm doing service cases for.

Speaker 5 (01:32:18):
It's not to make money on the case itself, because
you're not going really Yeah.

Speaker 4 (01:32:22):
So after the incentives go away and you don't have
a lot of installers, what would be wrong with charging
more for service so you can make money. I mean,
I wouldn't mind paying a little more if I get
an honest service person. Do you think there will be
a birth of solar servicing companies think of all of
the systems out there and all of the companies going

(01:32:44):
away at the end of the year. Or do you
think somehow they're going to renew the incentives? What do
you think?

Speaker 5 (01:32:51):
I think that whichever administration takes over next is going
to reinstate the residential.

Speaker 4 (01:33:02):
Well, even if it's another Republican so Advance takes over,
don't you think he'll just continue as in is status
quo or do you think they will reinstate?

Speaker 5 (01:33:12):
So solar, regardless of your political opinion, has a lot
of benefits because you're decentralizing the grid. So let's say
a terrorist at tax a certain area. Now you have
power going to small substations and residents. That actually makes
the US more safe.

Speaker 4 (01:33:29):
And I understand why do you think that they Why
do you think that they chose to end them?

Speaker 5 (01:33:35):
So I think that he needed money quickly, and it's
an easy way to cut this.

Speaker 4 (01:33:41):
Out of the budget for two or three years. It'll
raise way more taxes when you're not giving away credits exactly.

Speaker 5 (01:33:48):
And so I think it's a way for him to
take from Paul to pay Peter in the meantime while
he needs to. I was putting in different policies and procedures, but.

Speaker 4 (01:33:58):
Again it's purely an economic not a statement on solar itself.
You don't think you know in other words, like do
they not support solar or do you think it's just
a money grab? So I think that.

Speaker 5 (01:34:13):
What I was told back during his first administration is
that Trump had some personal investments in gas and oil,
which is nothing wrong with that.

Speaker 4 (01:34:22):
I love gas and oil and I think we definitely
need it.

Speaker 5 (01:34:24):
I think if anybody listens to me, they hear that
solar and renewable is not an end all because again
at midnight, there's no way for you to know.

Speaker 4 (01:34:30):
If you less in dependency, it's good. You don't have
to go completely away exactly. And by the way, for
Newsom and all the other politicians that believe that they
want to go one away from oil, it'll never happen.
The products we get from oil are way more than energy,
way more agreed.

Speaker 5 (01:34:48):
So with that, I think that he is figuring out
ways to make his investments still maintain some value.

Speaker 4 (01:34:56):
Yes, and that is still going on today. I think that.

Speaker 5 (01:35:05):
I think the next administration, whoever takes over, is definitely
going to reinstate residential test remember cars, so which party
it is.

Speaker 4 (01:35:11):
Because they're going to see that it's wanted.

Speaker 13 (01:35:14):
Yeah.

Speaker 5 (01:35:14):
But as far as your service question case, the inverting companies.

Speaker 4 (01:35:18):
So en Phase and Solar is the two biggest one
for residents.

Speaker 5 (01:35:21):
They have service case monthly plans where you pay like
twenty bucks a month and if your system ever goes down,
then somebody else comes out and does it.

Speaker 4 (01:35:28):
And I think that's a great option for folks out there.

Speaker 5 (01:35:30):
They can definitely still call me and I'll still service
their cases.

Speaker 4 (01:35:34):
But that's another alternative. Okay, we got more coming up
on the Troubleshooter Show. Go with a sure thing Denver's
Best roofer Excel Roofing dot com.

Speaker 6 (01:35:50):
You don't pay a cent until you're content.

Speaker 4 (01:35:55):
Time for an insurance check up free, no obligation in comparison,
call Compass in durance paying too much your coverage at
dozens of insurance companies find out now three all three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two. Hi Tom

(01:36:18):
Martino here, Welcome to the show. Three all three seven
one three talks seven one three eight two five five.
What's amazing to me is how much how much people
are experimenting with with solar and with energy in general.
I'm going to go over some of the things that
I've actually seen and tell you right area. I've seen

(01:36:43):
tire houses, and what they do is they dig into
the side of a hill and take advantage of the
temperature of the earth, and then they do tires, and
of course they side over the tires. Somehow they build
it out. But have you ever heard they're made with

(01:37:05):
three recycled tires. They basically when I say recycle, they're
not chopped up their tires. They literally lay out tires.
They pour dirt into the tires and they build them
into hills. Then I've seen other things like monolithic domes.

(01:37:26):
Those are domes that dig below the surface of the earth,
but they have a bubble on the outside, so they
look like one big stuccoed boob. And they just don't
put a nipple on the top. Anyway, it looks like
a big stucco boob. And it they call it monolithic,

(01:37:47):
And it's a geothermal principle, so it stays a steady
temperature inside because of the connection to the earth, the
way it's shaped and the tremendous insulating properties. Now, these
are not geodesic domes where you see the triangles all

(01:38:08):
put together to make a dome. It's a big, giant
stuccoed bubble. That's what it looks like, a stuccoed bubble,
and these are incredibly energy efficient, incredibly Then you have
earth tubes that are basically big tubes that go down
under the earth. And what it does is you have

(01:38:30):
an inlet and outlet, so you are taking air, sending
it to the earth deep it either cools it or
warms it, depending on the time of the year, and
sends it back to your home. And that's somewhere in
the sixties. So if you want it higher than sixty,
that pre treated air is fed through a heat pump.

(01:38:51):
And if you want it cooler than sixty, well, I
don't know if you would, but that also would go
through that heat pump as an air conditioner. So what
you're doing is pre treating the air with earth with
the natural temperature of the Earth. I mean, if you
think about those technologies, just the earth tube alone, and

(01:39:12):
the geodesic, not the geodesic the monolithic domes. Right now,
we have the ability, if we could put up with
the ugly, we have the ability to live very very
very energy of fission. And you were talking about doing
something to me treat but you're talking about using water.

Speaker 15 (01:39:36):
Yeah, I was, Yeah, I was really fascinated with the
concept of geothermal energy. So if you in many places,
if you drill down far enough, you'll hit water that's
naturally occurring, water that's either hot or cold, and usually
I think it's in the sixties. And you can use
that in combination with a heat pump.

Speaker 12 (01:39:57):
Or a heat exchanger for HVA deepurpose.

Speaker 4 (01:40:00):
So sixty would give you cooler cool water to start.

Speaker 12 (01:40:05):
Air conditioning well. Plus it would also work to be
warmer house cold water.

Speaker 15 (01:40:09):
Right, so if your well produced as cold water like
they normally do, you can use this system to preheat.

Speaker 4 (01:40:16):
You know that are actually in effect using this.

Speaker 12 (01:40:19):
No, I don't know anybody like that, unfortunately.

Speaker 15 (01:40:22):
Otherwise I'd love to go out and take a look
and talk about costs and benefits and how much it
costs to maintain this thing.

Speaker 4 (01:40:27):
And then there's wind. But see wind to me seems
the least reliable of all of them.

Speaker 15 (01:40:33):
Wind, well, plus it's ugly and noisy, and it chops
up eagles.

Speaker 4 (01:40:37):
It's very expensive too.

Speaker 5 (01:40:39):
So wind was the same cost as solar back in
two thousand and six, and then it never learned how
to be efficient so it's about right now. Solar for
a house is about three dollars price per WAT.

Speaker 4 (01:40:54):
If you try to do the same thing and wind,
it would cost you ten dollars price per WHT. Well,
when I fly across the country in my little crafts
of some sorts, I see more wind than solar. Yeah,
way more wind. That's because the federal government paid for it. Okay,
I've seen I've seen literally thousands of these in some fields.

(01:41:18):
Thousands of them. Oh my god, They're unbelievable, and a
lot of them are sitting still. They're not even turning. Yeah.

Speaker 1 (01:41:25):
Yeah.

Speaker 5 (01:41:26):
So like near Aaron's hometown, they have wind turbines that
are Aaron's, your husband, who's sitting here, and they can't
turn them on because where they put the lines through
runs through a different utility company's land and they won't
allow them to connect it.

Speaker 4 (01:41:43):
So it's a bunch of wasted money that they put together.

Speaker 15 (01:41:45):
Wait didn't they check into that before they built millions
of dollars of uh wind hours?

Speaker 4 (01:41:50):
You would hope.

Speaker 5 (01:41:50):
So, but that's a real example our in our personal
lives on wind.

Speaker 4 (01:41:55):
All right, we got more coming up on the Troubleshooter Show.
Three oh three seven one three two five. I will
get to your texts of consumer problems as well, so
stay tuned. Go with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance checkup free, no obligation.

(01:42:21):
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three oh
three seven seven to one. Help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Hi

(01:42:45):
Tom Martine, you're a troubleshooter three O three seven one
three talk seven one three A two five five All right.
Humanoid robots ARCO are our Many many companies are jumping
on the wagon, and they say AI make the robots
more responsive and better than ever. So what used to

(01:43:08):
be a dream and a science fiction episode is now
becoming real factories. You know, by the way, robotics and
robots are two different things. Robotics we've been using for
years and years and years and years, and actually some
of the most efficient robotics are not humanoid, but for

(01:43:30):
some reason there's a market for humanoid and they're saying,
there was a reason we were designed the way we
were with pinchers, fingers, wastes, legs, heads, and again I
believe God did that, but people say there's a reason
for our design. It's very efficient for certain things. So

(01:43:50):
that's why many factories are now going with robotic people.
So what they have is they have robotics still doing things,
but thee feed the robotics, so as you would have
men sometimes and women putting stuff on conveyor belts or
pulling them off conveyor belts or packing boxes, transporting boxes.

(01:44:13):
They are now using they're now using humanoid type robots
and they're here. It's not the future, but they're here
here for.

Speaker 15 (01:44:24):
Decades and well with humanoid well not the humanoid ones,
but the robotic arms.

Speaker 4 (01:44:29):
Yeah, right, the robotics are the robotics have gotten better
and better and better and better. But now you're going
to have factories they're actually trying to do away with workers.
As one factory owner says, who didn't want to be identified,
is he's tired of pain in the ass. People basically.
I mean, I'm not quoting him, but he's tired. He said,

(01:44:50):
these robots never complain, and they can work twenty four
to seven. You don't have to have a shift change ever.
And of course I I wait for the day when
people will fight for robots rights. I don't think. I
don't think. I don't think it's impossible. Trust me, I
don't think it is. I think people will start saying,

(01:45:12):
wait a minute, don't take advantage of this robot. It
can think again. I'm not talking about sencient beings right now.
I'm talking about robots. But more and more factories are experimenting.
What will that do to the labor force? That's what
I want to know, because right now, do you know?
Right now you can go into a McDonald's that has
only people in the back and you just do everything

(01:45:35):
on a kiosk, walk up and get your food, and
a lot of them are converting. They don't want people,
They're doing away with people. What do these people do?
We'll talk about as added more coming up. I'll take
your phone calls as well. Hand 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

(01:45:57):
checkup free, no obligation. In comparison, call Compass Insurance. Pay
too much your coverage at dozens of insurance companies find
out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two.

Speaker 1 (01:46:21):
Rip new need ads so you don't have.

Speaker 12 (01:46:29):
Come run in just as.

Speaker 1 (01:46:30):
Fast as we can. Shooter's gonna help come Man.

Speaker 3 (01:46:36):
Six is the Troubleshooter Show. Now Tom Martino, Hi.

Speaker 4 (01:46:42):
Tom Martino here, Welcome to the show. What is going
on in your life? Ellen wants to talk about a
sliding door. We'll go to her, and then we have
Brook White with us from redrocksars dot Com, Red Rocks
Roof and Solar. We've been having a lot of discussion
on energy and there are some opportunities all out there
around the country. It's amazing that Colorado, with all the

(01:47:04):
sun we have, does not incentivize solar. It's amazing, Ellen.
What's happening?

Speaker 17 (01:47:12):
Ah, good morning, good afternoon, Yes, sir, what's going on
fighting black door. It's fairly old, but it's in it's
the condition of the door is fine, but the rollers
have gone out on it, and I'm trying to find
someone that.

Speaker 9 (01:47:31):
Will just fix the rollers.

Speaker 17 (01:47:33):
When I try to call companies that sell windows doors,
they won't repair it unless I purchased it from them.
So in my handymail.

Speaker 4 (01:47:44):
Well, also, what do you know what brand it is?
Do you know what brand it is?

Speaker 17 (01:47:48):
Nova Tech?

Speaker 4 (01:47:53):
Nova Tech? Do you know even if is that company
still around making doors? That's very important to know.

Speaker 17 (01:48:03):
I'm not for sure, but I can look that up.
I think I got the home or the door at
either home Depot or Lows. Oh, it's pretty old. I
mean it's probably at least ten plus years old.

Speaker 4 (01:48:17):
Okay, Now here's the deal. If the company makes the parts,
that'll be very easy. You have to you have to
find the company, get the part, and then a handyman
can install it. Any handyman will do that. What you
can do is if it's not people will not retrofit.

(01:48:40):
No one does that anymore. You know the days of
these people working on stuff. Now, by the way, you're
sure it's called Nova Tech because I'm not finding anything
let's see, I'm not fine.

Speaker 17 (01:48:54):
Well, hold on, it's in oh.

Speaker 4 (01:48:58):
No, I found one. In No, I found Novtech doors.
They're still around. They're still around, and hold on, and
actually they have a retail list of retailers. So in Colorado.
Direct Door of Colorado, Okay, they're on eight thousand, They're

(01:49:25):
on eight thousand East fortieth Avenue. They're called Direct Door
of Colorado. They deal in Nova Tech.

Speaker 17 (01:49:35):
Okay, and can you say that name one more time
for me?

Speaker 4 (01:49:38):
For me, Direct Door of Colorado, Direct Door of Colorado. Yeah,
there's a I also found another one Alpine Millwork Company, okay,
and another one Prime Oh no, that's for windows only.

(01:49:59):
But the door those two ought to be. I'll bet
you they can source you parts. Okay.

Speaker 17 (01:50:08):
And all you did was google Nova Tech.

Speaker 4 (01:50:11):
God, no, I kind of I kind of did a
little more than that. I went to AI and I said,
I have a Nova Tech door and I need parts. Yeah.
And also also I looked on another thing that I
have for that I had for years that looks up parts,

(01:50:36):
just parts, And it would be of no use to
you other than this, because it's a weird kind of
sight that simply is for parts, and you put anything
in there, and it helps you find parts. But if
you go to AI, but just go to those two
and I'll bet you that they'll have parts or know
how to get them or can order them for you,

(01:50:58):
and they might even install and being a door company,
and of course they may not because she didn't buy them.
But hell, I'll just buy the parts anyway and then
go ahead and go from there and have a handyman
do it.

Speaker 13 (01:51:11):
Okay, okay.

Speaker 17 (01:51:13):
And the problem too, is with my handyman. He is
and maybe it's a two person job. I wasn't there
when he did this, but he's having a hard time
just getting the door off, you know, out of the tracks,
and so he can fix it. So I don't I
wasn't there when he did it. But I guess I'll

(01:51:34):
just now that I'm off vacational, I guess I'll just
try to figure that out.

Speaker 4 (01:51:40):
By the way, is it a heavy, heavy door, Well.

Speaker 17 (01:51:45):
It's just a sliding glass door. I mean it's it's
it's got the blinds inside of it. So I don't know.

Speaker 4 (01:51:54):
I mean, you know, they may not. They still may
not buy excuse me, they may not sell them anymore.
I'm looking on their site and they have a lot
of doors, but I don't see any of those, and
you have to know which model, because I thought it
would just be one model, and I looked further, like
they have one, two, three, four, They have eight, nine,

(01:52:19):
nine models literally models, So you'd have to identify the
model of door. Maybe Geez, I would call the factory directly.
If you call the factory directly, possibly they could help
you identify the door. So you do have a handyman.

Speaker 17 (01:52:39):
I do have a handyman. I was out of town
last week and he tried to He said he just
can't get it lifted up and out of the track.
And so I don't know, you know, I wasn't there.
I don't really know what that means. So I didn't
know if you had a certain handyman that you know
that No.

Speaker 4 (01:52:58):
Not necessarily know not necessarily you're going to run into
the same problem. Everyone wants to service what they sell.
And but but the good news is at least the
factory is still around, so you can find the factory.
And but they're in They're a Canadian company, I believe,
And and it's all one word Nova Tech and uh

(01:53:21):
if yeah, and it's by the way it's the website
is group nova tech dot com. So just put group
in front of the name group nova tech.

Speaker 17 (01:53:34):
Dot com dot com and then and then could you
just give me the name one more time? I was
driving on the just the first name of the company
said that sold those doors direct.

Speaker 4 (01:53:51):
Yeah, the window company. Let me. I gotta find I
gotta find it again if you want to, uh, if
you want to keep listening, we can do that, or
I'll give it to you off We'll give it to
you off the air because I have to take a
break in a minute. Anyway, and I'll do it off
the air. Can you can you find that Demetrius the
retailers in town. It's on their website. It's uh, they

(01:54:12):
list affiliates. But anyway, you hang on and we'll get
that to you. Three oh three seven one three talk
seven one three eight two five five. I got a
question again that I'm going back to because I promised
I would talk about it. Somebody said about four oh one,
k is this is really important. This is a text,

(01:54:33):
and I've gotten more than one. Now. I know there
have been people on my show and there's nothing wrong
with pushing fixed indexed annuities. The truth about annuities is
they truly do have a guarantee backed by insurance companies
that have been around one hundred years, and they do
guarantee a certain rate of return, not not the entire

(01:54:55):
rate of return. But you you give up a little
return and a little liquidity to get a guaranteed rate
of return, and you don't lose the principle or the
rate of return that you've earned thus far. It ratchets
up all of that is true a lot of people.
In my opinion, Okay, this is not a commercial, this

(01:55:16):
is simply a commentary based on my experience. I think
annuities are for those who are getting older and want
to reduce their risk and guarantee their income. Okay, many people, though,
are told to cash in their four one ks and
take a lump sum distribution, start an annuity, and then

(01:55:39):
you can still contribute to your four one K. I personally,
just personally believe if you get the right person investing
your four one K and you get company matches, I
do not believe the best use of your money is
to cash out that for a one K, or to
even take a distribution from the four one K to

(01:55:59):
buy an annuity. I would never do it. As you
get older, and let's say you're retiring, that would be
the time you would take that four oh one K
and distribute it or the IRA to an annuity if
you like the income and stuff like that. Okay, but
here's the thing. During your lifetime, this one guy had

(01:56:21):
a problem getting a distribution. He wanted to buy something,
or he wanted to buy a house or do something.
You have to have a four to one K, not
everyone does, and you can't change it. If you're working
for a company and their plan does not allow for
an in service distribution, then you can't get money out

(01:56:43):
of your four on one K. You just can't. You
have to be fifty nine and a half. Okay. So
if you're in a four oh one K and you
are having the thought of maybe taking an in service
distribution and putting it into an IRA, so you can
buy self directed IRA, or you want to put it

(01:57:04):
into an annuity, or you want to do it something.
A lot of people like taking lumpsums in an IRA
and doing self directed iras. And maybe with a self
directed IRA, you'd buy real estate, you'd buy something else.
You can do it if you can find a self
directed IRA company. But the real important thing is you

(01:57:26):
have to have a four to oh one K that
allows that allows for an in service distribution. Okay, So
an in service distribution is what you need, and you
don't determine whether or not it's an in service distribution.
The company you work for set it up that way.

(01:57:46):
So if it's not set up to take that, you
can't do it. If it is set up, you can
take money out and keep the plan alive. Okay, you
can do that. We have more coming up on the
Troubleshooter Show. Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until

(01:58:09):
you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the Real estate
Man dot com to list your home with Remax Alliance

(01:58:31):
three all three nine two zero sixteen twenty two. Hi
Tom Martino here, Welcome to the show. So listen. Here's
the deal. I gotta get to some of these texts
that have been so somebody said the humanoid robots, I

(01:58:51):
want to put a put a period on that. The
humanoid robots are going to cause a recession, unlike the
life we've ever heard. I believe new jobs will be
created to take those you know, really it's hard to
get people to take those factory jobs. And I think,
if anything, it's I think technology always creates new jobs,

(01:59:15):
and I don't think it's going to cause a recession.
By the way, speaking of technology and robots, there there
are people now and we knew it would happen AI
porn where instead of talking to real girls, you get
to talk to an AI bot that looks like a person,

(01:59:38):
and this is online and you get to program them
to do whatever you want. So I guess that's going
to take I think that's going to have an impact
on what's that one they called fans only or only
fans which one? Okay, well, I don't know, I mean,
because I always get it confused whether it's fans only
or only fans. But it's going to take a lot

(02:00:01):
of business away from these porn sites where real models
are there because you don't have to mess with real people.
They're way cheaper, according to this article, they're way cheaper,
and you can access them anytime you want, and they're
exclusively yours. So when you buy into they say it's
going to be a one hundred and forty billion dollar

(02:00:23):
industry in the coming year. So it's an AI chat
bot girlfriend that you program for your likes and dislikes.
So when you go back there, you don't have to
start over. In other words, she's there for you. You
have a log in and you get that.

Speaker 12 (02:00:40):
Girl wow o loss over time.

Speaker 4 (02:00:44):
So what you do is you build a relationship. They
gain knowledge about you, your likes, your dislikes, your quirks,
and then they do things for you that you've asked.
And again they listen to this. Half of the young men,
they say interviewed in this survey would prefer that over

(02:01:06):
a real girlfriend.

Speaker 12 (02:01:07):
Do you know valuable? The scatter base is going to.

Speaker 4 (02:01:09):
Become well, there's going to be more than one company
doing it, right, But they're going to build.

Speaker 15 (02:01:15):
These special profiles of real people out there, and they
can use that to blackmail you.

Speaker 12 (02:01:22):
They can use that to scatter you.

Speaker 4 (02:01:24):
Okay, I'm sorry, go ahead to me. Tru I'm sorry,
Thank you, dragon, I'm sorry. You think they're going to
build a database for blackmail? Why are you always so paranoid?

Speaker 12 (02:01:33):
I'm not paranoid. I'm realistic, man. I'm telling you they're
going to build a way to.

Speaker 4 (02:01:37):
Do that for Ashley Madison or something that cheated on.

Speaker 12 (02:01:40):
Yeah, how does nobody hack?

Speaker 8 (02:01:42):
Yeah?

Speaker 12 (02:01:42):
How did that turn out?

Speaker 4 (02:01:43):
I don't know what, but Ashley Madison? Didn't you somebody
who hacked into it? Did it?

Speaker 12 (02:01:48):
Yeah?

Speaker 15 (02:01:49):
Well, now they're going to hack into everybody's perversions.

Speaker 4 (02:01:52):
But listen to these key findings. Half do you truly
believe that half young men would prefer an AI? Yeah?
Come on now, the only thing they don't have is
true touch. But trust me, when technology comes around, what
about robots? When we're talking about robots, do you ever think,
and I'm really serious, I'm not kidding around. Do you

(02:02:12):
think there will be technology that will simulate a real girl?

Speaker 15 (02:02:17):
Absolutely? And it will be distinguishable from the real thing.
I guarantee you.

Speaker 4 (02:02:21):
Well, silicone skin maybe or something like that. I mean, temperature,
There's so many things that you would have to take
into consideration. I mean, obviously it'll be an improvement over
those blow up dolls, But have you seen the new ones?
They're pretty cool. I've not seen the new thought not
from experience. No, no, no, I know what you're saying. Yeah,

(02:02:42):
they've had like a documentary's blow ups or the ais.

Speaker 5 (02:02:46):
No robots, they're like silicone, like they're like a whole thing.

Speaker 4 (02:02:49):
They're like fifty grand, one hundred grand.

Speaker 12 (02:02:51):
You build a girl or does she move for one
hundred grand?

Speaker 4 (02:02:56):
Had a dummy? Are you talking about a dummy or
a robot?

Speaker 5 (02:02:59):
I think you can switch out parts depending on.

Speaker 12 (02:03:02):
What your interesting.

Speaker 5 (02:03:04):
But I feel like, okay, able to tune out if.

Speaker 4 (02:03:07):
You have children present. Fifty percent of young men say
they'd want one of these relationships. Thirty one percent listen
to this say they're already chatting with AI bots in
a romantic fashion. Nineteen percent of American adults have explored
in AI romance.

Speaker 1 (02:03:25):
See.

Speaker 4 (02:03:25):
I personally think this is BS. I don't know where
these stats this comes from Reuters. Okay, it's a and
the name of the one doing the research is girlfriend
dot AI. Well, they have a vested interest in telling
you you're not alone and everyone else is doing it.
You know, statistics are weird. I mean, you can really

(02:03:47):
skew them anyway you want. I truly don't believe that
half of the young men would prefer an AI.

Speaker 15 (02:03:52):
Hey have you met the young man out there today?

Speaker 4 (02:03:57):
Eighty percent said they would consider it, Fifty percent say
they prefer it. Eighty three percent say that they ally
they believe they could form a deep emotional attachment. So
they say that AI porn. They say AI girlfriends, But
it's porn because it's trust me, they're not doing well.

(02:04:19):
They might be doing it to discuss the world of politics,
but I doubt it. It's a one hundred. They project
a one hundred and forty billion dollar industry by twenty thirty,
and right now it's into the billions already, twenty five billion.

(02:04:39):
I mean, really think about it. It didn't take any
time at all. Do you think there are people right now,
right now working on girl robots for that purpose?

Speaker 15 (02:04:50):
Oh, more than you can imagine. Can you imagine how
much money they were to make?

Speaker 12 (02:04:54):
Yeah?

Speaker 15 (02:04:54):
I mean, look at how few people are in truly
fulfilling relationships. And this machine is going to be designed
to manipulate your emotions, manipulate your feelings, manipulate your perception
of it by thinking, by making you think this is
your perfect soulmate, and that will be combined with you know,
fantastic sexual experience anytime, for however long, anywhere you want.

Speaker 5 (02:05:18):
Something maybe to consider too is, isn't finance like a
big stressor in relationships and with a robot you're completely
eliminating that stress.

Speaker 12 (02:05:27):
Well, other than the monthly a description fee.

Speaker 4 (02:05:29):
Yeah, but that's a lot less than like paying for.

Speaker 5 (02:05:32):
My dinner and paying for like whatever other finances.

Speaker 4 (02:05:35):
I mean, that's a huge difference. The online thing is
weird in my opinion. But truly, if they make, you know,
like the Tesla, a bot is a bot, if they
make the bot look human, I mean, if they make
a pretty face and a pretty body, do you really
you truly believe that's happening? That will happen.

Speaker 15 (02:05:58):
Oh yeah, it's a goal. It's going to be a
old mind tom. It's gonna be one of the most
profitable businesses in the history of humanity. And not only that,
I mean, let's set aside the sexual component. Look at
all of the kind of like the lonely elderly people
who are kind of lost and all by them hounds.
They need a companion and perhaps somebody who's something of
a caretaker.

Speaker 12 (02:06:17):
That's not going to embezzle their mind.

Speaker 4 (02:06:19):
Okay, what about what about AI pets. We already had
a guy once, Yeah we did that, but and that
wasn't even a cute dog.

Speaker 15 (02:06:25):
That was just a robot, a weird looking dog from
Sony and he paid like six grand or seven grand
for it.

Speaker 4 (02:06:31):
But do you think they're going to have fuzzy, cute
dogs that you don't ever have to take out to walk? Oh?

Speaker 15 (02:06:37):
Absolutely, and that will probably be a useful thing for
the for the for the you know, for the people
who are homebound, who are all alone, who have nobody,
and especially if this dog's dog is equipped with, you know,
certain tools to really take care.

Speaker 12 (02:06:51):
Of this person too.

Speaker 15 (02:06:52):
Right, it can it can, it can guard the house,
it can I mean alert them.

Speaker 4 (02:06:57):
To medical it's gone crazy. What you know? You could
have an AI robotic horse. You can have the joy
of riding a horse without having to deal with the
emotional stuff because you know, horses are very emotional. What
I mean by that is they they can be frightened.
I mean, depending on their their training.

Speaker 15 (02:07:16):
Yeah, they can hurt you, I mean obviously emotionally maintenance animals, Yeah.

Speaker 4 (02:07:20):
So anyway, this is this is weird. What AI and
robotics open up, open up to the world. It's amazing.
Three oh three seven one three A two five five
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.

(02:07:45):
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 to one help. You'll think you're his only customer
when you choose Frank durand the really Stateman dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martino, your

(02:08:13):
troubleshooter three three seven one three talks seven one three
eight two five five Wave eight Wealth Management dot Com
or Waveeightcapital dot com. I'll get you to my company,
Financial Advicement firm, a registered investment advisor for which I'm
a representative, and we've been interviewing a lot of people
and we've I'd like to say this, we haven't not

(02:08:36):
one person, not one who's talked to us, has failed
to sign up with us. I'm serious. And one of
the reasons is the direct involvement we take in the
finance and in the investments and in everything we do.
We do not use what's called the tamp service. Most
of you guys have advisors who use turnkey asset management programs.

(02:08:59):
They basically just place your money somewhere and make a spread. Now,
if you're happy with them, I'm not saying they're bad.
I'm not saying they're bad. I'm just saying they don't
know you. They just don't know you. The local guy
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(02:09:22):
five seven or Wave eight Capital the number eight Wave
eightcapital dot com. So we've been talking about a lot
of things today, but a lot with energy. And somebody
brings up an argument that I don't know if I
can argue with. And they said, when it comes to
electric cars and when it comes to solar systems, and

(02:09:43):
I'm paraphrasing you if you're listening, Okay, but you brought
up a really good point when it comes to those things.
He said, you're we're not We're not real. If solar
was good solar, if it was efficient, if if it worked,
it would work economically, you would not need tax credits.

(02:10:07):
And that's the truth. You know, when something works, it
has to work both scientifically and economically and morally. In
other words, we don't want to be burning baby kittens.
I mean I'm talking about you know, I'm just talking
about an exaggerated example. It has to it has to

(02:10:28):
be in line with our moral fiber. It has to
be economic economic sense, and it has to scientifically work.
So if you generate electricity and have to subsidize it
in order to get solar, solar is not a real option.
And I believe that. I truly believe that. I often
said something that is not economically feasible should not be

(02:10:52):
brought to the market. The only reason I believe solar
was brought to the market is because these subsidies. And
even our expert today, Brooke White from Red Rocks Roof
and Solar, she says, look, domestic companies might go out
of business. Now here's something. Though I do believe in solar,

(02:11:15):
I don't believe we're getting an accurate picture of the
economy of solar Here's why I believe. This is my belief, Brooke,
and I'm not talking about you. I swear i'm not
because I know your pricing structure and all that. I
believe solar companies took that thirty percent to increase profit.

(02:11:36):
I do not believe in a minute that solar systems
cost what they quote. They used the government tax credit
as profit. I believe that they used it to increase
the price of the system, not to do a realistic bid.

(02:11:58):
And this is how we're going to find if out
if that's true. Brooke made a predictions she believes the
same thing because she said, when the government subsidies go away,
watch how miraculously the prices go down. And Brooke, you
believe that. Yeah, absolutely, Yep.

Speaker 5 (02:12:19):
In a year from now, it'll look a lot different
in the solar space.

Speaker 4 (02:12:23):
Now, they may have not taken the entire thirty percent
of profit, but I'm telling you that prices shot up
after government credits. They said, you know, people will tolerate
a higher price because they're looking at this big tax credit.
They will tolerate it. But it doesn't mean the cost

(02:12:45):
of the systems costs that much, even with a healthy profit. Now,
what about cars. I never saw cars do that. I
never saw the electric car go up in price when
there were subsidies, nor go down when the subsidies went away.
I have to say that now when it comes to Tesla,

(02:13:07):
those prices have remained steady. If anything, they've gone down.
I mean they've gone down with market with the more
markets share and other electric cars as well. You don't
see the rivians footballing their prices based on the tax credits.
A lot of the tax credits are going away. You
have not seen a reduction in price. I don't think

(02:13:29):
they've padded the car prices like they did the home
solar prices. And so I just believe that the solar
system has to be cleaned, the solar industry has to
be cleaned up, and I think tax credits muddy to
the waters, don't you They can?

Speaker 5 (02:13:48):
I think that residentially they definitely do, because it's very
common for folks to be quoted five to ten dollars
price per wht, which I know maybe not make a
lot of sense to you guys.

Speaker 4 (02:13:59):
But three price per watt is reasonable.

Speaker 5 (02:14:02):
And the difference on a residential project between three dollars,
five dollars and ten dollars is tens of thousands of.

Speaker 4 (02:14:08):
Dollars, but because they had credits to look forward to,
homeowners may have accepted that.

Speaker 5 (02:14:14):
On the commercial side, the government's done a really good
job of regulating the price that you can do to
have access to those.

Speaker 4 (02:14:22):
Tax credits at sixty four percent off.

Speaker 5 (02:14:24):
So the government regulates it between two dollars in two
and a half price per WAT that you have to
bid the project on.

Speaker 4 (02:14:31):
And so by having that regulation, your.

Speaker 5 (02:14:33):
Commercial projects are a lot more less fluff. I guess
they're not adding in that extra stuff.

Speaker 4 (02:14:38):
Okay, So what do you think is going to happen
with the solar industry right now? I think that residential
is going to go. It's going to be gone. Well,
do you think the prices will come down and they'll
get back on or not.

Speaker 5 (02:14:51):
I think that what will happen for the next year
in twenty twenty six is that residential solar will essentially
stop for about two to three years, and then the
businesses that are still viable and running, the ones doing
commercial we'll start adding a residential division in preparation for
the residential tax credit to come back. And then I

(02:15:11):
think there'll be additional regulations for that tax credit where
you will.

Speaker 4 (02:15:14):
You don't think some will try to just lower the
prices and stay in business, No.

Speaker 5 (02:15:20):
Because their model isn't built on that. I mean, if
it was built on that kind of model, then there
would be better service cases. There would be less solar.

Speaker 4 (02:15:29):
Companies that are just boom and bust.

Speaker 5 (02:15:31):
I mean, I think it's ninety three percent of solar
companies got a business in their first two years. So
you don't have an industry that's built on like a
long time. Most folks are come in, get their bad
money and leave.

Speaker 4 (02:15:44):
I know, I know the solar industry sucks so that
it sucks, and you can't get people to work on
them either.

Speaker 5 (02:15:49):
So the ones that are here to stay and never
really put the time in, like Nama Stay is a
great example at a Boulder. You know, they were around
before the solar tax credit even became a thing. Yeah,
a great example of somebody who is going to try
to make the best decisions for the industry and those
folks that they're working with.

Speaker 4 (02:16:07):
All Right, we got more coming up on the Troubleshooter
Show three oh three seven one, three eight two five
five