The Troubleshooter 2-13-24

Ripped news you need so you don't have come running just as fast as we can. Shooter's gonna help coming. Man six is the Troubleshooter Show. No Tom Martine. Hey, I'm Tom Martino. Welcome to the show. Three oh three seven one three talk three oh three seven one three A two five five. What's going on in your life today? This hour brought to you Buy Waterpros dot net the best people at the lowest prices for water systems.

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nice to see you. I was wondering if you were still alive. You know, I've been in the back for so long. Yeah, and I got the nursing home studio. Joel usually goes there. Doctor Joel's with us from Denver Regen dot com. Hey, man, so listen. This semiglue tide compounding substance. It's the same drug that's in all of the brand names that people are paying twelve to fifteen hundred. You're doing it for two fifty. And I Mark, and I knew this was going to happen. I

think it's a wonder drug. Man. I am not kidding. I don't think. I didn't think i'd see anything like this in my lifetime. Now here's the thing, though, people have to learn from it. They, in my opinion, the reason you go on is to learn and to try to eat differently. Yes, you know what it does is it it slows down your digestive process, and by doing so, it makes you hungry less

of the time, and you wind up eating less calories. But over time, your body gets used to that and you sort of are training your body to eat less. You hope, yes, yes, right, you got to so you know, it becomes almost like a subconscious, ingrained process. You don't even have to think about it. But here's the other thing. I've heard people tell me that they don't give up any particular food, They

just eat less. Well, that happens, and that's not ideal. You know, of course, ideally, you know, you learn how to eat right. But you know, in an ideal world, diet and exercise would be all that anyone would need. But then I want to tell people that, just just a little hint for me, just because being familiar with diet nutrition in general, I think people should do a little herbal cleanse if they're going to use it. I'm serious, that's what I That's what I'm hearing

from people. Yeah, I mean that wouldn't hurt. Yeah, anyway, then then you don't have that, you know, because sometimes it can cause some digestive or ballashoes three O three seven one three talks seven one three eight two five five. So they're offering it for two hundred and fifty bucks a month. If you have questions, he's here now. I want to ask you no matter what hold on. There are a few people that said they said a few things about if it's compounded, it's not the same. It

is the same. However, however, there are certain substances that might be a little different. But they're all semi glue tide, and they they end up as semi glue tide. The other thing is o zenpiic and with kobe. Do have other ingredients that are compounded One may not, but the main, the main deal is the semi glue tide. That's how I wanted to say, ok, hey, the needle. Explain this to people. You guys will show him how to take. What is it? A shot once

a week? Yes, but it's not a shot like you're shooting into your vein, right, it's a tiny muscular or belly. I was asking, tiny, tiny, it's an insulin needle. It's okay, yeah, the same kind of thing, almost the same sized needle they use, like when they do a blood stick on your finger to just draw a little bit. It's oh tiny, it's a minuscule anyway, So Diane needs help on an IRA. Hey Diane, what's going on with you? By the way,

our number three oh three martinos than any number. You can reach twenty four to seven and then uh we we clear that line. Call you back if we're not here. When you call. If you're here, come right through three oh three six two seven eighty four six six. You can also go call three oh three A seven one three eight two five five day in what's going on in your life. Well, I've been trying to withdraw some IR, some money from this IRA from what what are you trying to withdraw from

IRA? The IRA? I had? Oh, oh, you have an IRA, like an independent account And did you call before? This sounds like a follow up to me. Yeah, you have an IR and you said it was a rate right, it was a real estate investment trust. So

you bought shares. And by the way, for those listening, if you buy shares of anything, whether it be a private note fund, a real estate investment trust, or any other kind of investment, if you buy these shares inside of your IRA or even in your regular investment account, you may not be able to liquidate them at will, or you may have to take

a substantial loss or not pen loss. But necessarily it may not be worth what you think it is because you have to literally sell shares now, Diane, if you're truly informed when you make this investment, of course it's considered a legit investment. But what happened with you? What's the follow up here? Were you able to liquidate? No? And who did we give this

to work on? Did I guess you're our friends over at a Planning Center retirement plan She was going to send them the info and they were going to thank you. Did do you ever get into for the retirement Planning Center? No? I just sent them the okay, the statement and I haven't heard from them yet. Oh, okay, I'll call him. So anyway, is that what you're calling about? To see if we found anything out? Yeah? How how do I withdraw any of this? You're not going to

be able to unless there's a market for it. However, there should be a market for it, is what I'm saying. I mean, I just can't believe that there would be no market at all for it? Did you you contacted the administrator? Is that correct? I contacted the broker in regard? Okay? Did could you also send us? Hey? Can you call Retirement Planning Center of the Rockets? Do you remember who you sent it to? There? No? Not really, I believe it was Josh Josh.

Let's see if Josh can get back if he if he if he saw Diane's statement, Dan, do you have it handy where you can send it to us too? Yeah, I can send it to you. I'm trying to find you. I don't know why I can't find your original call. How long ago did you call? Oh, Diana, here it is? Got it? I got it here, I got it? Okay, uh one's written on But I mean, is your name Dinah or Diane? Diane? Yeah, Diane, Okay, I had it down wrong. Okay, Diane.

What are those roads where you get unbelievable tax benefits? But they're in areas you're trying to clean up or restructure. They don't have those anymore, but they were. They were tax incentives for I wonder if she's in something like that, well, she would have been able to get out of those, I'm pretty sure. But who was who used to tell us APO? Yeah, they used to opportunities ze. That's exactly where our common man's here

at Table'll introduce him in a little while. But opportunity zones were really good. But I don't think that's it. We'll see by your statement, or see if Josh has an idea hold on to in also see if she can send it to us as well. Three oh three seven one three talk Bob, Hey, Bob, how are you you have a comment on ozempic? Go ahead, Bob, Yeah, Tom ready, I haven't seen you for a while. What's going on with you, sir, well getting that busy. My wife and I both I did a pellet version of test sassoon,

but she's not on the eximpit both of us. The reason I got on test sasso is because of my battago of the show. Well, everybody, everybody, as they get older, every man is going to need a bit of testosterone. Women are going to be need a balance. Uh. And that's just normal because we deplete our hormones and it's natural to keep them optimized, not necessarily, uh, not necessarily replaced, but optimized. So, Bob Toginner, we have lost one hundred and fifty Now you see did you

hold on? Did you use did you use those zenpiic Bob? My wife's did? I did it? By my tastosterone? When when my taste discone started working or getting normal, let's say that I started losing lead. That happens once in a while. It happened from two ninety five to two twenty. When you went from two twenty down to she's one hundred and thirty pounds. What yep? And she I'm going to tell you what I'm just out. I told her, howey, if you get too little, our our

our personal relationship will suffer because I won't want to break down. Now, Bob, listen your wife. I'm telling you what she must have increased her health. Did she have diabetes? No? No, thank god, but she I will tell you when you go for the size sixteen to a size four, which is what she was when we met from Minto from Minto ouse, that it gave her is like a whole new persons. I know.

Is she still is she still on the uh the drug? Yes? Yes, but they what they do to wing you off of it is they start reducing it. I will give an example. I used to be able to eat two whoppers if I want to do to you know whatever, I can barely eat a hamburger now, which you know, it's changed how we eat. And our doctor of course says, you know, you can eat what you want, but you really want to eliminate a lot of the bad stuff. But it does make you definitely cut your like you know the old diet,

cut your food and half cut your food and half. It makes you where you just can't eat. You just don't want to eat that much anymore. Yeah, I understand. Hey, hey, Bob, as far as muscles, did she lose a lot of muscle mass. No, No, she's a matter of fact to be out of it. She probably looks more I don't want to say she probably looks more muscle built, but she did once she had that way because she right right, well, sure sure, now hold on, Bob, hold on a second here, and we'll come

right back to you, doctor Joel, real quick. I hear that. And this is what I've heard in the news in the media, that it tends to attack muscle, but it doesn't attack muscle. I think the truth of the matter is, reduce calories first, go after muscle. Why because muscle takes more energy to hold and keep. That would be true automatically. So if you go on any diet and you do nothing to help build yourself up, you're going to lose muscle first. It's not because of the drug.

Well, I mean, anytime you lose mass, you're going to lose some muscle, and muscle goes first. Yeah, And as we get older, we lose muscle naturally anyway, which that's why you supplement. Your muscle is harder to maintain, right, That's why when you you do have muscle and you work out, it burns more calories. Having muscle than fat, it's harder to maintain it. Actually is better to be lean. Lean can can help you be lean. You know lean muscle mass can help you maintain

that. But you will if you go on low calories sacrifice muscle if you don't do anything to build muscle. So you have to do both along with making wise eating choices. Anyway, we have more coming up on the Troubleshooter Show. Paul the common Man is with us. He's been listening for years and years. We're glad to have him in the studio. That's why I'm here. And then we also have your calls coming up on the Troubleshooter Show. Three oh three seven one three talk seven one three eight two five five

eight eight eight. Heating dot Com Go to that website learn about their high efficiency options. They also have plumbing and electrical company I Know and Trust and you can too eight eight eight Heating dot Com Go with a sure thing Denver's Best Roofer Excel Roofing dot Com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass insurance paying

too much your coverage at dozens of insurance companies. Find out now three oh three seven seven one help You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey Tom Martino here three oh three seven one three talk seven on three E two five to five. Probid Energy has solar systems complete twenty one grand, that is after your tax credits

with battery backup probid energy dot com. Wow, what a great deal that is. Three oh three sixty two three point fifteen thirty one. All right, So we have a car purchase here with Navea. I hope I'm saying that right, Navia or Nevea, uh Naveah, Nevea. What is happening? So I had talked to you, like maybe a couple of weeks ago, and we were talking about how it was messing up. Well I had got that. Now, now what car? What kind of car was this?

Nevea A twenty fourteen Chevy Cruse. Okay, and what happened with it? Well, we got it, uh, we got a new part for it and it started working. Okay, for like a day and a half and then it started like tweaking out on us again. But this was a used This was a used car, right, yes, it's shirt. And where did you buy it? Arianna's auto sailed? Where Ariana's auto sale? Oh I remember that, yeah Ariana? Yeah, and I was I didn't know what we could do for you, but because it was used, and

again I'm trying to figure out what the bottom line was on that. What did we tell you? Because on a used car, normally all we wanted to know is if did we send you to one of our experts. Yeah, you sent me to this one guy, and he's had told me that I could possibly get my money back because of the title. But I don't think he realized that I had just paid it off. Like, oh that's right, yes, I remember now, you had worked your butt off and

paid it off early. Wait wait, wait, she still doesn't have the title. We were we You did get the title. Yes, I did get the title, but like when we were finding it and stuff, I had asked him. I was like, well, is this a salvage title card? And well they got to disclose if if the title was branded. I mean they have to so did they disclose it somewhere? Did you sign something acknowledging it? I can't find well, me and my mom signed both

all the papers. And now you're just it's a very simple question. If you look through the paperwork, did you sign something acknowledging it was a salvage title? I don't think so, because if you didn't do that, they have to disclose that. I don't care who they are. Yeah, well that's what you got to find out. What kind of was this an outback? No, a Chevy Cruise? I can't find the damn call. I remember it. I know, I know, Okay, I do remember it.

I remember it specifically when she said she paid it, she paid it off, and then I'll here, Okay, no, that's not it either. And here's the deal. But let's have Deputy Dollar call over there and see if it was salvage or not. But she got the title. What is the exact issue? Right now, she's saying she didn't realize it was a salvage car. Yeah, I didn't realize it was a salvage title car until after I signed this. And how is that affecting you? Though?

What's wrong with the car right now? My whole transmission went out and I have to pay like five thousand dollars to get it replaced. Oh god, what's wrong with the excuse me? What what year? It's a fourt Is it a fourteen? Yeah? Fourteen? Okay? And so your transmission went out? How many miles on it? It's a one hundred and like thirty thousand miles. The only thing we can do is see if they tricked you at all. I mean, that's all. I mean, that's all we

can do. If you if they don't have the disclosure and you guys didn't sign it, we can probably help you out, but you gotta figure that out first. We sure as held this. Let's have Deputy Dollar. Why don't you call over there and ask them why they sold her this vehicle with the salvage title, but yet didn't have her sign anything age yet. Ask him if they ask him to show us where they disclosed it. That's the bottom line. Where did they disclose it? Nevia? I just hang on,

okay, We're going to call over there. Three oh three seven one three talk seven one three eight two five five common man, Paul Greb give him that mic, uh Dollar, give him your mic Paul how long you've been listening to the show? Brother? Thanks for coming in. How long you've been listening? Well, I've lived in them for about ten years. Okay, so ten years, and I don't remember how I did it. I used to live in South Daklina and I used to be Actually, I

think I was able to get probably the podcast. Well, we'll give it that podcast I was broadcasting there. Oh yeah, yeah, yeah. We were syndicated into one of those cities. Let me think Rapid City. That's it, Rapid City. And you know what I like about Rapid City. Look, i'm gonna give you. I'm gonna tell you what I like about

it. I fly in there now and then to go to uh that's where we that's where we go to the President's heads, right, yeah, So what I like about it is, you know, airports around the country are given three letter designations, preceded by A K SO, K D I A or K D E N actually, and then you have K A P A which is UH Centennial which used to be a Raphole County. And you have a K B J C which is Jefferson County or we're now known as Rocky mountain mentro do you know what do you know what rapid city is k r

A P crap crap, Yeah, we got more coming up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check 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 oh three nine two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three all three seven one three talks seven one three two five to five. Let me make a word about this one woman who called with the Real Estate Investment Trust a rate whether now listen.

There are a number of private investments people can make within their investment accounts, whether it is a qualified account or a regular account. Those investments include annuities, They include the stock market. They include bonds. They also include things called private note funds, where they are pulling money together to make loans. It's different from a bond. It's more of a private note fund. They also have rates real estate investment trusts. This is where they pull money to

manage and purchase real estate. Here's the problem. How do they evaluate those There are independent agencies that value these rates and these note funds, and then they assign a value to them. To me, I don't understand this. Like every other piece of real estate, if I sell my house, I am establishing the value simply by selling it. If she can't say this, read yes, she's in for fifteen thousand dollars. If I offer her ten thousand, does that now set the value of that? Read a ten thousand?

How the hell do you have a value that she can't sell it for? I need I need to. I'm contacting the guy at my company and I want to see if he can come on to talk about this because it's really important to know. And I've been involved in private funds and mark These are great questions and I don't know if I know the answer, so I'm going to ask him. But there there is a valuation that takes place. There is a valuation that takes place, and that valuation is based on some

kind of outside agency looking at it and coming up with a value. Could she not sell it for less than what it's valued? Ask if there is a market? See here's the problem. And I know exactly what you're saying. If she's being told she has a certain amount uh in value but she can't sell it, then it's not worth anything. Can you get her back on? And we look have her statement? And I'd like to get my guy on, so let's do that. Let's get him on, Kaschina.

I want to give you under show notes, I'm going to give you my guy's number, and then we'll figure it out. But mark investments are so tricky they can screw the hell out all I'm asking question. We'll ask our guy, could she sell it for less? Yes, she's allowed to. Yes, you're allowed to sell for anything you can. Then that's what I'm saying. Shouldn't she in this case tell her broker get what you can for it if she needs the cash. Right, But I'm thinking the broker,

and that's why I want to get her back on. Call that number, okay, uh, Kachina, do you see it on show notes? Call that number. That's Pat. He'll come right on and Pat is he's a financial advisor. And still Joe who Joe like you asked, Oh wonderful, we have Joe Joe Kano certified financial planner. Hey Joe, yes, Tom, you uh, you know a lot about financial stuff and financial planning and advising. And I'd like to know you've heard of Rit's real Estate Investment trust,

right I have. So when somebody is involved in that, do you know how they're valued? Yeah, they're valued about the property that they're invested in. But does any is there an independent valuation that it's given to that Are they audited? Do you know? You know, I'm not sure about

that. Yeah, they're audited or not. However, though, you know, basically, if somebody wants to pull money out of a rate, you know, hey, can you it just comes out at a discount, leaving about only maybe seventy five percent of the original value, So there is a little bit of a pop payback. I guess you could call to the company holding the rate. Well, unless, of course, the property went up

extremely in value or something. Right, right, But if somebody needs the cash, right, that's right, that's right, that could force them out at a reduced price. You're absolutely right at a discount rate. Now doesn't that go for anything that is privately held, like, for example, a note fund. Yes, absolutely, it doesn't. You know, it doesn't make any difference what the investment needs. But no real estate goes with the market value. The real problem, of course it does. And the problem

I always find Joe with these private investments. If you don't have a market for it, you're screwed. That's right. And if it's an IRA, there's a double WYMI right there, because they're gonna have to be paying the ten percent penalty if they're under fifty nine and a half. Yeah, she wanted to pull money out of her real estate investment trust in an IRA. She didn't care about the penalty. She needs the money. Here's the problem that her broker says, there's no there's no market for it a lot of

the time on reads. Correct me if I'm wrong, guys. But it's actually a property management company, you know, collecting rent, collecting other things. Is where where the money comes in. It's not necessarily the value of the property. No, it's both. It's both. Okay. So when you value it, are you valuing it off the dirt or are you valuing it off the actual income. Well, it both, okay, Mark,

It's just like any building. If you have a commercial building and you're renting out office space that generates it, it's valuing both on the appreciation in the market if there is any comparables, and also on cash flow. So I would guess guess mostly cash flow. Well, cash flow. Here's what it is. For yearly profit. Cash flow is called a cap rate, meaning that cash flow returns a certain amount of profit. Of course that profit based

on the investment. Well, now will now be evaluated the original investment and the market value. So the market value to investment would be your current yield. Okay, So your current yield is a certain amount your original investment compared to the value is your original yield. But here's the deal. What I'm getting at, without getting too complicated, is is that it does go by your market value and your cash flow. For example, if you had giant

market value but little cash flow, you would have to wonder why. It would probably be because they're going to repurpose it and you would sell it. If it's generating a bunch of income but it hasn't appreciated a lot, then you would guess they're going to keep it being rented, right, Joe, I mean aren't they really? It's really not a solid one way or the other. But her property, for all we know, is dirt. It could be no cash flow, it could be just ownership and a pile of

dirt. It could be a real estate investment trust, could be anything, real estate, anything real estate, right. So I mean if the pile of dirt, Tom and Marko goes out, you know, of course, you know that's going to be making profit, right right, Okay, but you know it's a very volatile investment there, really truly is. But the key is on this question you know that you had about this lady. You know, if Sanaia Ray and she wants to pull money out, she will

have to take the money out out of discount, no matter what. They're not going to give it the entire profits. No, she can't sell it, she can't see. This is where it started, Joe. I'm staring at her portfolio. Her value is fifteen, fifteen and five of eight sixty seven. But her brokers saying, we can't sell it because there's no interest. So the conversation started, how dare someone assign a value of something you

can't get for it. I mean I can say my house is worth twenty million dollars it sure as hell doesn't mean it is when I sell it. That's going to establish the value. Now we have to take this break, but Joe, thank you very very much. And by the way, Joe can always be reached for safe investments at three oh three seven seventy nine sixty six hundred Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free,

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

one three. Talk Genesis Total Exteriors for all your storm damage on the outside of your home, from the roof down to deck siding, stucco, windows, doors. They can do at all Genesis tootal exteriors dot com. Now I want to go to Pat Jollify is someone that I work with and we do uh and and and he does a lot of financial stuff. He's has all kinds of licenses for years and uh, okay, Pat, here's what I'd like to ask bottom line right now? Real estate investment trusts? Are

they they're not regulated? Right? Okay? Are they? For example? Are they like a public offering or a stock? They can be so you can have a rate that's either going to be a private offering or a public offering. So public would be you know, have it's ticker symbol and be traded just like an exchange traded fund or a stockram exchange and it would be

typically be liquid. Now, sometimes even on the publicly traded ruts they're going to, they can limit when you can take distributions or when you can sell the positions that you've bought, so that might be on a quarterly redemptive basis, semiannually or even annually. So what if you have a private rate,

do you just have to wait for a market to sell it? Well, and you'd have to go back to the memorandum on the fund with regard to that because certainly liquidity is going to be more limited when it's a private offering.

And then to the extent that there's any limitations within the memorandum itself, you may not be able to redeem that inside the holding period, which should be clearly stated in the private placement memorandum, and or it may provide for liquidation of shares to other investors that are already in the private fund, or you would then possibly be able to go out and find another investor on your eye. Now, Pat, we noticed we noticed that it showed a share

price that's half of what her share price was. Does that mean her value went down? Well, it would depending on the valuation and how they're doing that. So if they've got and this is a private rate, is that correct? I believe it is private? I have her here, Diane. Do you know of this is a private rate? A private or publicly traded? Do you know it's private? Okay, it's private, Pat? Yeah?

So private typically or what would generally see with that would be that there would be a third party accounting firm, evaluation firm, or somebody that would come in on our scheduled base to provide an independent accounting of the value of the fund, and then that would be how you would drive the share price. So yeah, it's fully possible that you know, for cost basis is a dollar that it could be less than that based up one valuation. If

I put in the exact name, maybe he can research it. Care to break of the It's called lightstone value plus reate 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 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O three

seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Yeah Rift, you don't have run a cam Shooter's gonna help. Come man, This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. We are fighting for you, solving problems, answering questions, taking

compaints. This hour brought to you by renew home Innovations dot com. Beautiful showers, that tub and shower combo. Get rid of it that when you have to step up over it makes noise. It's got ugly shower curtains or doors. You're gonna get a brand new space, beautiful, custom made, no thresholds to stumble over, no doors, stone walls, no maintenance,

it's beautiful renew home Innovations dot Com. Two or three days they put it in and then you have seventy two months to pay with no interest three oh three nine zero four to two thousand, nine zero four, two thousand. So got a lot going on here. If you have any questions on Sema glue, tide and that weight loss drug. We have Denver Regent in the house with us Denver Regen dot com. We'll get to them, and then we have some other people, like one woman I think she got screwed on

an investment, and there's some Let me explain something about investments. Did you give that to pat to investigate? Was he going to investigate that I gave the name of it. Yeah, I want him to investigate that rate. Let me explain something about investments. There's a few ways investments can be misrepresented. First, they flat out lie about the return, they lie about the

risks, they lie about the marketability. But there's another thing that a lot of people don't understand, and you can go after your investment advisor over this. It's one of the strongest things, and it's called suitability. If you get someone into an investment that is not suitable, Let's say an eighty five year old woman gets involved with a bond that has a twenty five year payout and she bought it's a zero coupon bond. Well, she'll never make any

money on that. Ever, so what you and by the way, a zero coupon bond means they don't have a stated interest rate. They're sold at what's called the discount and then at maturity a par is paid or the face value. Well, if she's eighty five and it's a thirty year par well, you know do the math. Here's the deal. This woman was sold the reate. Did she know about it? Was she informed? Was this

suitable for her? We need to look more into this and other investments that people complain about, because suitability is a big deal, and we should contact this broker and get the bottom line. Three oh three seven one three Talk Jr. Has a question about a home sale. Go ahead, Jr. What's going on? Hey Tom? Just wondering legally, Okay, just if you can do this or not. I'm just wondering. So let's say my house is valued at like four twenty I want to sell it to my son

for one twenty six for that for the amount that it's owed. I don't want to make a problem, but it would lower the payment to where instead of getting like a heat locked for some of these people, I could you know, legally sell it for that one twenty six four hundred balance to my son knowing he's gonna, you know, charge me exactly what his payment would be at around eight to nine hundred a month. But can you do that?

Even though I want to ask you a few I want to ask you if you first of all, sure, we're not going to give you legal advice, but I will tell you based on just basically, you can sell anything you want. This is not legal advice. This is you can sell anything you want for any amount you want. You can even sell it for less than you owe, but then the lender won't let it go through. But I mean, you can sell anything you want, So of course you could. But what I'm trying to ask you is, what is your goal?

Well, it would reduce going into retirement, which I'm that age, and I am questioning so security but still working and make it decent to pretty good income. But I'm just thinking, I'm like, well, well, well, let me ask you something. JR. Hold on, JayR. You owe one twenty on it, right, right, but your payment is much higher than that because of the original amount, right right, it's like

eleven. So why wouldn't you just refinance the one twenty right? Because I'm setting with a three percent and if I turn around and refinance, you know, the one twenty six at seven seven and oh I got it? Yeah, but your but your son hold on, but your son would have a seven percent loan? Is that right? Uh? He would have? Yeah, I don't know. He's in the Air force selling. I don't know how they could do it. He is. It's going to be the same

exact thing. Whether you refy it or he buys it, you're gonna have the same exact current rate. That's what I'm in. But right, but but but tom then I won't have to at my age, I'm you know going to be sixty eight at my age, I won't have to go. Oh, I got to do a will leave it to my son. Okay, but you are screwing your son by selling him the house. Absolutely, for so many ways. I can't even tell you. Let me, let me give you one. You've reduced you're reducing the basis of that home to

one twenty five. Now when he go when he goes to sell it, ever, his basis is one twenty five plus whatever permanent improvements he makes, So his tax obligation will be astronomical because you only get a certain amount of exclusion, and if we keep getting Democrats in office, you will that exclusion is going away. But let's just say he gets a five hundred thousand dollars exclusion if he's married, two hundred and fifty, if he's signal single.

Right now, what's your house worth? Okay? Four ten? So if he got that house in ten years or twelve years after you die after but he's owned it and his basis is one twenty five, and it's worth seven hundred or eight hundred thousand, do you see what you've done to him? You have given him a seven hundred thousand dollars or six hundred thousand dollars gain. Okay, Now let's say you don't do that. Let's say you continue to live there and you die in ten years, twelve years, fifteen,

whatever. Then he gets that day's value on his books as his basis the day you die. Therefore, if you want Therefore, if he wants to sell it and you died and it's worth seven hundred when you die and he wants to sell it, he virtually has no tax to pay. And if he keeps it two or three years, he has very little tax. So people who try to transfer homes to their children early are screwing themselves. I see, Okay, makes sense, man, I appreciate your totally screwing yourself.

Is there a way you can You can refinance that home and then you can simply you can do whatever you want. You can refinance the home and then just keep the home at a lower payment. And I don't even understand your reasoning when you said, well, I have a three percent loan. Well, if you have a three percent loan and you sell it to your son, your son's still going to have a seven percent loan for the one twenty five the same as you would. I mean, it wouldn't be any

different. Seven percent is seven percent, whether your son has it or you have it, right, exactly? Got you? So, have you ever done the math on what your payment would be one twenty five if you refinanced it right now, you'd be a little more than what I'm paying now. Well then I three, yeah, obviously you Then then what did you think your son would do? Your son would would would REFI the one twenty five? He just wanted to give the house to the kid. Is what this

comes down to. Okay, Well, it's the wrong it's the wrong way to do it. Brother, it's the wrong way to do it. Just do a beneficiaries deed. It's done. You can do a beneficiaries deed. You can do this very easily. Get called Dan McKenzie. Dan McKenzie is an attorney, mackenzie law. I'm serious. You call him. He can do a beneficiaries d for next to nothing. He'll give you a bit. He'll give you a quote eight three three co plans. He's a good guy.

Eight three three co plans. Okay, man, thank you for calling. Yeah, yeah, I'm so happy when people call before making mistakes. They think that they can they can beat the system. Well, you can beat the system, Lee if you do it legally and correctly. If you try to do it and you have no idea what the hell you're doing, you're gonna end up cost yourself money. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content.

Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three, seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talks seven one three eight

two five five All right? Now? Ken called the other day and uh, Ken, you I wanted to get someone on to talk about this, and I'm wondering were we able to get an attorney on for Ken? Where's katchinaes? You gotta catch me up? What happened? What's his issue? You remember it? He here's what happened. In fact, you brought it up yesterday. He called in. He had a friend who lost her job. Her twenty fourteen Tucson was repossessed. Oh yeah, it's worth about ten

grand and they sold it for like one hundred or a thousand bucks. Yeah, and he's a co signer, so the deficiency is going to be ten thousand. Actually, I think it was worse than that. I think she owed or he owes sixteen thousand and they sold it for one thousand. Yeah, isn't that right? Ken? Yeah? Now, Ken, they have an obligation. Hey, Kachina, can you get Mark? Did you call Mark Raw? We never clarified one thing, Ken, And I don't know

if you know this. Did the vehicle actually run? Did it have hail damage? Had it been totaled? I mean, what was going on from the vehicle from the time of purchase. We're looking at this vehicle and they're saying the market value somewhere around ten or eleven? Was anything wrong with the car that would have diminished that market value? Not that I know of that. That's the problem. He doesn't know. Well, you said it was it was it was brought to a shop. Is that right or not?

No, I didn't say that, Okay, I when was the last time you laid eyes on it? Oh? Well, that says at all. I mean he has no idea the condition it was a year ago. But but I know that it did run and there shouldn't have been any damaged you know, mechanical damage to it or anything like that. It could have been been dirty on the interior. Well, they have to put auction, is my understanding? Is that correct? It's length, So you got to find

out where the auction was. Ask the bank how they came down to this. I mean, selling it for a thousand bucks sounds like an inside job to me. It sounds like they screwed you big time. And you may need to get an attorney to challenge the process. And we're trying to get one on the line right now. Hold on, just hang on, we'll try to get one on Meanwhile, Susan, I believe you were on yesterday

and we never got a chance to finish up your neighbor. You're claiming because of the condition she keeps her home, your neighbor is devaluing your home. Is that correct? Yeah? And the point is that nobody cares and they told me, Yeah, she can have her computer in the front because of public property. But it's okay, here, let me explain what Susan's talking

looking about. Susan's upset because her neighbor moved her computer moved the neighbor moved her own computer to the front room so she can sit at her computer and look out at the front yard. What's wrong with that? Susan claims, it's an invasion of her privacy? What, Susan, how is it? What's wrong with it is? How do I sell the house with her in that world? Wait? Hold on, well, I don't even see what do you mean? How do you sell a house with your neighbor looking out

the window? Is that what you're actually asking? You know? What she's says, is that what you're asking? She looks nutty. Is the deal the neighbor does? And then her backyard is trashed? Okay, that's different. Okay, But but hold on, Susan, you're asking though about this front Let's take each yard first, the front yard with her sitting there at her computer. How does that? How does that affect you? I guess she does. Well, I kind of get what she's saying. If there's

some nutcase sitting in the window kind of staring at you all day. That is a little weird. She's saying she's working at her computer. Is that right. I don't know what she's doing. I'm just saying, my computer's in that backyard. It's not in the front yard staring at her. Okay, listen, listen, doesn't she She has a right to sit there, and she has her desk there. Of course, a desk is facing the

window. I don't understand, though, how do you notice it? I mean, do you think people walking by think, oh my god, what's that woman doing looking out at us? You don't think it's malicious? She's kind of painting, You're not. I mean, but is it even something people notice? I don't know how close to the window is she. These people that work from home shit right up against the window. I've had three

of them do this to me in my yards. Of them, they sit right up against the window and they say all day and they look at your yard. You know where this is going? Susan, Susan, could this and honest to god, I don't mean to be disrespectful. Could this be your problem? Yes? Well, I guess it's just the whole package that she wasn't living here when I bought the house, she moved in and by god, she's looking at her window. Is okay? You know what it

sounds like, right, Susan, I'm not trying to make funny. You know what that sounds like? Funny? The city said, if it wasn't for the sidewalk, it would be illegal. Wait a minute, Wait a minute, Wait a minute, hold on, hold on, hold on, hold on. Somebody from the city said, if they didn't have a sidewalk out front, it would be illegal. Yes, she wouldn't be able to do it. That's not right, your hole. And whoever told you that is wrong? Susan. I can sit at any of my windows and stare

at out all day long, any one of my windows. There doesn't have to be a sidewalk out there. So who at the city told you that? I want to take them to task? Who told you that? Mediation? Huh? Perfect? Who who told her? Mediation? Mediation at the City of Denver? Mediation? Yeah, she probably called six whatever. Wait did you go to mediation on this? No, we did it over the phone. Wait with the neighbor. Yes, and what did what was the

what was the conclusion. A conclusion is that she can do it. And and I had all my windows curtained, and and you can look out the window, and I'm looking at her trash backyard. Okay, now let's go to the backyard. How trashed is it? It's not. It's totally cluttered. Is it against any of the zoning ordinances or any of the building ordinances? No. I called the city and they said, oh, it's outdoor

storage. So the city is basically doesn't find anything wrong with it. No, oh, man, you might want to what I want to know? Okay, we got we mixed it because I don't want you to give your address out right now, Susan. But so that's all right. We mixed your address. That's all so, which is good. I mean, I don't want to go out over the air for your safety, I would like I would like to have this checked out if we went there. Is she

staring out the window right now? No, what she's not. What she does is she puts a f on the window, a film hold on. She puts a film on the window so I can't look in, but she can look out. They're all doing it. How do you know she's looking out because the city told me that death. But she did, she put on that film. But I speak, why do you care? Why do you care, Susan? I'm serious. You're you're telling me you don't even

see her looking out. You just think she is. Yeah. So even if this woman agreed not to look out, how would you know she's telling the truth? Yes, you're very right, so okay, Mark, Well hold on, then, then let me ask you something. What would be a solution? Then she has a film up where you can't see into the window, so you don't know if she's staring out or not. So if she tells you okay, I will no longer stare out the window, will you believe her? No? I guess my host frustration. Well, I

need to know what would please you? No, you call a show that works on solutions? What would be me if she would put her computer in the bathroot? Okay, but oh hold on. What if she tells you right now that she put the computer in the back, how would you know if she did or not? You know, you're absolutely right because she is

sneaky, So how would you know? So okay, hold on a second, Kachina, Wait a minute, Wait a minute, is that her okay, And she said she moved the computer to the back and she's no longer sitting there. Okay, there you go, She's no longer sitting there, kidd Why is the city so hold on, Susan. We just solved your problem, she assured us. She is no longer sitting there. The computer is now in the back of the house. But she's going to leave the

film up because of the daylight. She wants to keep it a little more dark. Is that okay? We do. I'm not going to take care of my yard and she can look at my cummy yard. It's okay. But is it okay that she moved her computer to the back? Now she won't, she would sneak hold on. But but here's what I want to know. Here, here's what I'm asking you. Listen to yourself, Susan. If she says she moved her computer to the back and is no longer sitting there, why do you care? You don't know, one way or

another, if she's even sitting there. Just the idea of her sitting there is bothering you. You admit you can't even see her. So I'm asking you, is it just the idea of her being there, I guess you know. Well, then how do you then? What would be the solution? Tell me, you tell me if you could wave your magic wand what would be the solution that she moved her computer? And then what you daily verify it or what what would be a solution if if one if she wasn't

in my front yard or she cleaned up. But you don't even know if she's in your front yard or not, So how would you even know if she told you she will please you? How would you know? Are you demanding she take the film off her window? Why did the city tell me then that the only reason she could do it is because of the Sibal, Susan, because they don't want to try to reason with someone who is clinically insane. That's why. That's all I can imagine, Susan. You are

sounding insane, and I'm not I'm not trying to be disrespectful. You are sounding insane because you don't even know. See, I thought you could see her little beady eyes staring out at you, and she was there all day one time until I complained and didn't you put the film on the window? Yeah, but now that the film is on the window. What do you care? You can't see her anymore, so whether she's there or not, it'll look exactly the same. So what's the difference. I guess it shouldn't

matter to a home buyer. It shouldn't and it shouldn't matter to you, And I suggest you try to get some meds to deal with it. And I'm not kidding, Susan. I think you have a problem, okay, and I'm being honest with you. You have a problem. You do. You have a psychological problem of some kind in my opinion, which is not medical. Now, Mark, what do you see when you Google search that you can see the house? The funny part is it's blurred out. You

know, occasionally you'll see an image on Google Maps it's blurred out. I have no idea why. But the address she gave is blurred out, her address or the name. I don't know whose address she gave. But what's curious. If you look really close and zoom in, you see some eyes there's a lady staring. Uh huh, So there is a lady. Doug, what is your comment on, Susan? Go ahead, Doug, be honest, Doug. Yeah, that's one of her friends, probably got more

coming up? Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call ump Us 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, your troubleshooter three O three seven one three talks seven one three A two five five. We're working on getting an attorney for Ken, who thinks he was screwed

in the repossession process. But you know who else we might want to check with Kachina just as a legal mind in this is Frank Ball, who is a collection attorney because he knows about procedures when when it comes to all kinds of collections, including repossessions, Frank might come in, might come on and way way in on this. Now for those listening, you might find this hard to but that previous caller, in my opinion, was nuts. Okay,

here's what she says. Her neighbor put her computer in the front of the house, and when she sits at her computer, she stares out the front window all day. Susan doesn't like it. Susan complained, and the neighbor put a film up so you can't see into the window and you don't know if the neighbor is there. Well, she says, she still thinks the neighbor's there, and that bothers her. She doesn't like the idea of the neighbor sitting at her desk staring out the front window. So I said,

how can we solve this? What if the neighbor promised to computer and not to look out the front window anymore, to which Susan said, you can't trust her. She would sneak. And I said, but how would you know there's a film in front of the window. She says, well, I wouldn't know, but I don't like it because I think she would still look out the front window. Now, think about this. This woman, Susan is obsessed with her neighbor working at her computer looking out her front

window, even though she can't see whether she's looking out or not. So I said, so if the neighbor, and then I pretended the neighbor called and said, Okay, I'm moving my computer. I'm no longer looking out

the front window. Susan was not satisfied. So there's no way to solve this problem, unless, of course, Susan demands not only does she move the computer and stop staring out the front window, but that she also removed the film so Susan can periodically inspect the front window to make sure it's clear. Now, I swear to God, this has to be in one of the top ten of my strangest calls. And Susan, if you don't think this sounds nuts, you're even more nuts than I originally thought. To add

to this, she's upset that the backyard is also trash. So Susan is just really beside herself about this neighbor. Now I mean this, I really mean it. I don't think we have ever had a stranger call when it comes to neighbor versus neighbor. Now, we've had all kinds of neighbor calls in the past, noisy neighbors, neighbors with light pollution, neighbors who have cameras up all over their property. Neighbors who you know, are crazy,

like batcrap crazy where they stand out on the porch and yell. I mean, we've had all kinds of neighbor versus neighbor, but this one is the craziest I think I've heard three oh three seven to one three talk three oh three seven one three eight two five five. You need to silence that man if you can for me. Uh, thanks, appreciate appreciate that. Three oh three seven one three eight two five five. So what do you think,

Mark, what do you think? I mean? Seriously, Well, if people go to YouTube and look up Trouble Shooter Network, they'll see the live show like we do every day. You can see us and hear us. You look sure of the neighbors. We had to bleep out the address because people might have been listening. I'm looking here. Did you really do something? Yeah? No, no, no, I had to let us see it. Well, I'll put it back up during the break, but I already scrolled it. It was weird. You know how Google you can

walk down the street and see everything. I zoomed in on her neighbor's house. I'm not going to give the address out the second that Google truck went by whenever it was happened to take a picture, and you're gonna be shocked. The lady is actually right there looking out the window. You got to see it for yourself. Now you're feeding Susan's paranoia. No YouTube dot com and then type in troubleshooter network and you're going to see it. It's crazy.

I'll put it up at the big break, but I swear you can't make this stuff up. No you can't, but you can do photoshop anyway. Three oh three seven to one three talk go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at 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, your troubleshooter. Now what we're gonna do is We're gonna get a real estate attorney on and I want to talk on a serious note about when a neighbor's perceived harassment or harassment or messy yard or whatever could

actually be damaging. Well, you're gonna bring up are you gonna bring up? Most incredible? Are you GONI to bring it up? Go ahead, ran I could read his mind. Imagine this neighbor. You go and put your house up for sale, So they hang a banner, a huge banner out the side of their house that says I party twenty four to seven, I have pit bulls, and I like loudud music. And when I say obnoxiously huge, it was a ginormous banner. Isn't that terrible? Absolute true

story? In fact, Fox thirty one picked it up nine News. It was crazy, man, crazy. Why would anyone do that? They really didn't like their neighbor, You would think they'd want to get rid of them. Yeah, that's probably true. Maybe they were trying to shake them. Maybe they really do party all night, and maybe they really do listen to music and they don't want anyone saying they didn't know about it. That'd be funny, now, doctor Joel's with us from Denver Regen dot com semaglutide once

a week injection? Is that right? They get? Do they want to know? This text wants to know by the way, I should mention it more. But you can text the show five seven seven thirty nine. If they don't want to do the injection, can you guys do it for them? We could, but that's something that doesn't really happen because it's really it's so easy. It's so easy to do. It's just a you know, a simple insulin needle into the abdomen our Our text will describe and explain uh

to our patients exactly how to do it. If there's a problem, they can always come into our clinic. They do, they have an in person visit ever before they start this program. Some do and some don't. It's up to the patient themselves. So people in Colorado Springs now that are interested, they don't have to come up to Denver. You guys can do everything. You can actually prescribe it by zoom. And then how would they get to supplies? You just ship everything to them. It ships from the pharmacy

directly. And how do you do it? Let's get real everybody else. We sees what Tom one thousand and fifteen hundred bucks one hundred minimums? Seriously, what's the secret? How do you do a month's supply, including the visit and everything, for two hundred and fifty bucks a month? Well, we do it through a compounding pharmacy. And the FDA has uh has loosened the restrictions on the pat of the drugs and megleotide because of the shortage of

oz mpick and we'll go in those drugs because people can't get them. The FDA has waived their patent so that other compounding pharmacies can actually provide this drug. How long do most people Well, it's I guess it's so new it's hard to say, But how long do you think most people will stay on it? A year? Two years? You stay on it forever? That's a good question. I don't know what is that? Uh, you know, we read how long has it been out? By the way, how

long has the drug been out well out as a weight loss aid? I would say probably about two years. Okay, go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 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 Durant, the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two rip. You need advice so you don't have come running sustas as we can. Shooter's gonna help coming Man six is the Troubleshooter Show. No Tom Martino. Yes, this is Tom Martino fighting for you. This is a consumer

show where we solve problems, answer questions, and take complaints. You can get it at any time twenty four to seven. Get in on the party. Just call three oh three Martino, including during the show right now three oh three six two seven eight four sixty six. We'd love to have you. And then if you get us after hours or when we're not here, you can leave a number and we will get back to that's a promise. Three oh three Martino three odo three six two seven eight four sixty six.

Also when we're here. You can also call three zero three seven to one three talk seven one three eight two five five. Mark, Well, I was thinking of that semi glue tide. And of course we have a doctor Joeln with us. Yeah, with Denverreja dot com. We were kind of talking about insurance. You know, the coverage is not necessarily for the diabetics side of it, but for the weight loss side. And I've never understood this part when it comes to insurance, whether it's Medicare or private coverage.

You would think if they have a five hundred pounds human that could possibly lose weight just by doing this, that would drastically change the cost over time to actually care for an obese individual when it comes to heart issues, when it comes to anything. Well, it's always amazing how short sighted insurance companies are. Correct me if I'm wrong, but I do believe insurance covers those drugs for obesity, for clinical obesity. They only mark in extreme cases. Right,

Well, that's fine, let's take it down a notch. Then let's say you're seventy pounds overweight. Wouldn't it be much better giving them the drug so they're healthier. For a long term effect, you could give the same argument to dental cleanings. You do you know that the health of the mouth can pitch die. People die because over years and years of not having clean teeth. And I don't just mean brushing your teeth, but just deep he meaned you have. It adds to the inflammation in your body to such an

extent. You had years ago. I remember you had something. I don't know if it was a root canal or they got in fact, a root canal went bad, you got bad shaping. Oh no, idea what it was? I didn't you know? And then I read where so many root canals fail and there are some dental people that won't even do them anymore, they just go straight to implant. But in any case, the mouth is the is truly a gateway to all kinds of crap in your body. And

then of course obesity adds to all of the dilemma. And I think semi glue tide, You're right, market it's a godsend. It really is. Now. It does a lot of other good things your body. Now, can it be misused? Anything can be misused. You're always gonna hear, you know, of course, of the risk, and they are risks with everything I'm not sure what the downsides are with semi glue tide, but they said something about maybe some depressive thoughts or certain things like that. I don't

know. I mean, I guess you guys talk and monitor your people. Yeah, there was some paper or article that came out suggesting that, but that's been refuted in terms of it creating suicidal thoughts or really. Yeah, it was a story that came out here like a minute, and then the MIT drug manufacturers had a bunch of research saying that that just wasn't the case. And the bonus of this stuff if you're on it for weight loss, So they call you guys up to two hundred and fifty bucks a month,

and let's say they are fifty sixty pounds overweight. They can't get it covered by insurance for whatever reason. You know. The other side to that is it will bring your sugar levels down as well. Right, And I'm not saying you use it for that reason. You're you're prescribing it for weight loss, but honest to god, that's really originally what was for. If your

A one was originally a diabetic drug, that's correct. People will notice an A one ceed dry for sure, that'll happen, in fact, if you don't have a diabetic problem and just a weight problem, although most people have both. But you can get hypoglycemic from it, Yeah, you can. That's a side effect. To say there is no side effect would be would be false, because there's some people get dizziness, constipation, headaches, fatigue. What does the drug do? Tell us in your best way, in

a you know something we can understand. How Why does it work so well for weight loss? Basically, what it does is it slows down your digestive process, and by doing that, it slows down the signal from your stomach to your brain telling you that you're hungry again, and so you wind up eating. You consume less calories because you just desire less calories because your body's not feeling the need for it. And then over time that becomes part of

how your body functions dinner and it goes right. It does have an amazing effect on the blood brain barrier, So it goes to your brain. And is it considered a hormone? No, okay, so it does go to your brain though to trigger see some people mark they don't know when they're full. They just keep eating. I mean they truly just keep eating. And this does help you put on that switch. It mimics. According to this, it mimics a hormone that stimulates the pancreas to produce more insulin to turn

to the Oh. That's how it works with diabetics and helps you to reduce blood sugar. It does reduce cravings, but it does slow digestion and then it tells you that you've had enough to eat and they, you know, look at I don't think anyone says it doesn't work, no one. No one is disputing it works. What you hear mostly from critics is that it has side effects. That's what you mostly hear. But this is probably the least dangerous weight loss drug ever. I mean, do you remember fen fenn

for God's sake? Yeah, I mean we never Yeah, we never prescribe those drugs because they're dangerous. We don't prescribe speed to people, you know. And another thing about getting this covered by insurance, even if you qualify for the criteria as a diabetic or as an obese person, you still can't get the drug because of the shortages of it, which is why we're able to have compounding pharmacies manufacture it and deliver it to our patients because there is

a nationwide shortage of it. By the way, Denverregen dot com. Randy, what's going on with you? What's happening, Randy? I guess Randy. We're trying to pull you up here. Randy? Are you there? Sorry? Hey, Randy's not there. Guess what I'd just signed up for? Zero res I did I know? I know? You are two rooms, forty nine bucks. Man. That's their introductory special for today only. By the way, you don't have to have it done today, but you

must call and it's for sure. Man, forty nine dollars for two rooms. You don't do better than that. You can do it right on their website. Oh good, zero res Denver dot com. That's two rooms, forty nine bucks. Of course you can have more done if you want. That's forty nine dollars for two rooms. Tomorrow's Valentine's Day, so it's a nice gift, how about you. That's why I got it. I got it first. Now that would be good. That's zero Resdenver dot com.

We have more coming right up. Hi, Tom Martino, your troubleshooter three oh three seven one three talk seven one three eight, two five five. Now Randy was on before? Is he there now or not? Is he actually there? Randy? You say you have a po Hi Randy, what's going on? Bro? What's happening? Who am I talking with? Tom Martino? Okay? Good? Do you remember my calls of a couple of weeks a couple months ago? Well, you just bring me up to speed here, I'll look for your call. Go ahead, Okay, here's what

happened. Uh. Two years ago, I left Oklahoma City. I lived in Denver for about thirty years before that two years, I've been living in Oklahoma City for five years. Bear with me because it I scrammed my brain on the Greyhound floor. On a vacation from Denver. I stayed about a week in Denver visit old friends, was coming back to home Tokahoma City. Added two hourly over in Albuquerque, and I ended up coming to the entrance

store and the rug flew up or I tripped over it or something. But at any rate, they're negligent, and they've gone from two hundred and fifty thousand dollars offered from Greyhound last Thursday night. And then I got a call. Now, hold on a sack. Hold on a sack. You got an offer of two hundred and fifty thousand dollars for personal injury? Right? And did that happen without an attorney? No, that's the attorney and that's the whole thing. Well, hold on, hold on, what was the

personal injury? Explain the personal injury to me. Okay, it was a slip and fall. I walked into Greyhound station and the rug either came up from under me or I boot chipped off. Do you know how incredible? Let me tell you how incredible that is. Slips and falls are very difficult to collect on. So did you have extraordinary medical bills? They're enough, they're more than the twenty grand Well, hold on a second, is that

two hundred and fifty plus medical bills? Or is that just two fifty straight? He didn't specify, but he said specifically, would you take two hundred and fifty million? You mean thousand? And you mean two hundred and fifty way, Randy, two hundred and fifty thousand, right, right? Okay, you just said two hundred and fifty million, So two hundred fifty thousand,

okay, suh? And you said, what absolutely on a two fifty I said, I'm gonna have to think about it, so you're going to have to give me a little more time to Randy, what is your annual income? Seven hundred count my retirement, I get two thirty three retirement and seven thirty four, I think so. And how old are you and how old are you? I am sixty four years old? Okay, sixty four? You have minimal income? What are you? What's your skill level? Uh? Man, eleven grade is all I went to school? Okay,

okay? And what were the injuries? Were they? Head injuries? Yeah? Primarily it scrambled my brains and now I can't think straight. No, I got it, man, I got it. So hold on. So this attorney, how did you find him or her through Adam Oakie, who I saw on the tail of a Saturday morning telephone show. Okay, fine, fine, so you saw an advertisement? Got it? Okay? So what is the attorney proposing? They that he gets out of the two fifty a third thirty three and a third. But Tom, that's not why I

called you, Okay, I was just curious about your settlement. But go ahead. Yeah, but I am going to need help with that, and I'm also going to need protection here's what happened, and I'm just going to run it down briefly until I see you in person. That way I knowing. Don't hold your breath, hold on, keep going. Okay, here's the deal. There are several characters involved in they're the same ones that have

been ripping off well wealthy older family. Okay, so hold on, Are you afraid, Randy, that you're going to be a target after making this settlement? No, not forget about the settlement. This is a different issue. Here's the issue that we're going to go put out in public, the same the judge has been doing this going on the second decade, that ripping people off, and he stole one point an approximately in a condominium behind Mississippi

Chambers. Aren't man, you're just talking. Hold on, you're not making sense. So let's go to this separate issue. Now, how did you become aware of this scam? Oh? My sister tried to become my mom's guardian and conservator. And what happened, Okay, what happened was on she filed in on January seventh, two thousand eis. But just tell me, okay, I'm trying to toll yeah, but you're not trying hard enough. Go ahead, how is how did you discover the scam? Because they investigated

my sister? Who's they who's they investigating in the court or the court's investigators from a rapple? Courts don't investigate people. So try again. Well, I don't know who investigated tom. Okay, so your sister your hold on. Let me once it's been Your sister tried to become the conservator for your dad, right, and during this time somebody investigated her, right, okay? And what happened They found out she had been stealing. The first round

was six hundred and eighty four. Wait they found out that your sister has already been stealing. Yeah, that was way long ago. How long ago did they find out she was stealing? Like, when did they make this determination she was stealing? Not when she stole, but when did they make the determination? Sometime between the time my sister filed her when when in time?

When in time was January seventh, two thousand and eleven. So in twenty eleven, the courts determined that your sister was stealing from your dad, right, Okay? Then what and then they uh, when I say that? And what did they do to her? For stealing in twenty eleven, Absolutely nothing, etcetera. Who actually found she was stealing? Were there any charges or anything? Nothing? Is there a court record that everything's been destroyed?

Tom? Okay, So hold on. So all I have hold on now is your word that in two thy eleven, which was twenty four years, twenty three or four years ago, they found your sister guilty of stealing from your dad. But there's no proof of it anywhere? There is proof of it? Where is it as Adams County District Court? What what kind of proof is there? Just tell me what the proof is. Go right to the proof, okay, the judge or to my sister to repay the error. Okay? Is there? That's what I'm asking. Is there a

transcript of the judge saying you have to repay the money? Yeah? My sisters already paid back twelve hundred in twelve years or thirteen years, twelve hundred of the two hundred and fifty thousand, exactly. Okay, Now hold on one second before we go on. I'm not going to waste my time, Randy. I need a case number and I need to see the transcript before we even waste any time. I can give you a case number, but I called the clerk to the courts and they looked it up and said there's

never been any case filed under that case. Okay, Randy, Then I can't help you, man, I can't. All I have is your word that there was a case, and even the courts don't acknowledge there was a case. If they do, the judge order my sister to No, you just told me that if I look up the case, there is no such case. This is a different county. This is Adams County for my dad, the Raffo County case with the crooked judge for a couple of decades. Okay, Randy wonder Randy, I gotta go, bro. I can't help

you, Okay, I can't. I'm sorry. I can't help you. No, don't be sorry, because this is gonna go national though. Okay, you let me know when it goes national. The best to you, Okay, We'll see you go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 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 right three three seven eight two five five. By the way, please remember this you ever need help. Help at trebleshooter dot com. You can also call three Zho three Martino and leave a message at any time. We love helping people, That's what

we do. But I want to know what's going on with Ray's fence. Uh is the problem with your fence or your neighbor's fence? Ray? What's going on? Man? You know it's a bordering fence. I've got I live in a cult a second, I'm in the center, got it though, I border four different homes and the south side of the My home is no problem because about three years ago my neighbor who lives behind me, young

buck. So we did over a weekend we replaced it. But now I've got the west side and the north side, where I've got three other homes. Yeah, we've all been there this so what's going on though? You know the west side is about willing, is about ready to fall down. Have you talked to the neighbor and you both chip in and do it like you did with your other neighbor they're broke? Well, I mean, there's not much you can do there, okay. So basically, you know the

people behind me on the west side where the fence is really problematic. Yeah, and then two neighbors on the north side, and I talked to them too about doing it. I got an estimate. You know, it's going to cost about eight grand to do it all, and nobody has any money. Well, there's not much you can do. I mean, how about put the fence up? It best, try to get an iou out of it. But because they can't afford to buy the fence, I have no

I have no idea. How would you force someone, a neighbor when the fence is falling down that's broke, to give you some money for the fan? Now, how long has the fence been there? You know what? I think it's pretty original. I bought the house in ninety four, okay. And is it right on the line? Is it right on the line? Ray? What do you mean? By right. Really, his only issue is one neighbor on one side chipped in and they went out and they

got the fence done. It looks great. The people behind them and on the other side of them either do not or don't want to chip in. No, no, I get it. But what I need to know is is the fence on the property line or is it on one side or the other. And that's a good question, Tom, Well, there's a reason I'm asking. Usually, if it's on the property line, it was put up by either the developer, or it was put up by the homeowners with a joint fence agreement. Usually if it's on one side or the other with

a setback, it was put up by the homeowner. But I'm just curious. But after all this time, it doesn't matter. What Mark said is exactly true. It's all negotiable. There's nothing that will make someone there's nothing that can make someone pay for it. However, okay, if there is hold on if there is a setback requirement, meaning that if you wanted to put up a new fence and there was a setback requirement and you went by that, you could then put up a fence and give them the ugly side

because it's your fence. But what kind of fence? Is it split rail or one? It's six foot Okay, So how did you put it up where they chipped in? Did you go every other panel? Front back? No? I didn't do that, Tom, I just well, who got the pretty side? They have the pretty side? So you gave your neighbors the flat side and you took the side with the string. Well, I didn't give it to him. That that's just the way the house came. No, I'm talking about where you had it replaced and they chipped in.

I have I have not had it replaced. I was asking for them to chip in. Oh I thought Mark, you said, people, should you do one side? There was no problem with you. Guys went out and fixed it. Yeah, on the south side three three three years ago. I did it because my neighbor, he is a young buck, and you know he did the heavy lifting. Okay, I'm I'm retired. I'm just curious on that one that you chipped in with with another neighbor, which side

faces whose property? They get the clean side? Okay, he gets the clean side all around me. Okay, Well, that's very nice of you. That's very nice. Of you don't, don't give him the clean side of your paying for it. Hey, Ray, I just thought of something you're hhow way, I'm thinking back to Red Hawk. I don't have any I don't cancel that. Then in Red Hawks, for instance, we had to have a fence. So I wonder how that would have went down.

Well, it depends the HOA would have had bylaws. Probably are covenants that that spells it out. You know, here's what I'm asking. Not to sound mean and spiteful, but you know what, to protect my two dogs. Okay, Yeah, I've got pets, and of course I'll never let them out without checking to make sure the fence line is good. You know what if I put in a chain link on the inside of the existing fence. Yeah, you know, if you're not hold on, if you're not

violating building or zoning, you can do it. Yeah. I don't see a problem either because I'm not violated by that. I mean, I'm just you know, I'm not trying to be mean. I just I want to protect my dogs, okay. And you know everybody's crying poor. I mean, all four of these people behind me, all right, they're all working stiffs, you know, but they don't have any money. You know. Well, it is difficult right now, Yeah, it really is. And I'm retired, and trust me, I understand. I understand. What can

what can they do if they can't afford it? I mean, they really might be in a position where they can't afford it. Yeah, I agree, Tom, I'm just stuck in a dilemma where I just want can you afford Let me ask you. Can you afford it on your own? Yeah? I could do it, well, you know what, it would be a bit of a string eight grand, but you know what, I've managed

my finances well where I can take care of an emergency. And here we have all these four other neighbors, working class people, and they don't have a dime. They tell me, they just said, we don't have the money, and I'm like, wow, I guess I'm a rarity. I don't know. Well, I don't mean to sell mean, but you don't sound mean at all. You just you just it just sounds terrible problem.

And I want to protect my dogs, and yeah, I figure maybe if I can stick a chain link sense which will cost me less, you know, yep, I agree, I agree, then you should do it. You're not under any obligation to please your neighbor. Three oh three seven one three talk seven one three eight two five five Okay, Joe on Semiglue Tide. Someone wants to know if they sign up, is it month to month

or that they have to commit? We charge the first two months up front and then it's month to month after that that they can't beat that, I mean, yep, and they do they get to talk to an MD, Yes they do, Okay, so that's Denverregen dot com. They actually do have an MD available to talk to and you can do it by zoom. You can do it anywhere in the country for that matter, right, well, anywhere in the state, just this state because the doctor's licensed in this

state, right correct? Got it all right? Jim? What's going on? Jim? All right? So back in October of twenty two, I paid a National Steel Building Company sixteen seven and forty eight dollars for a building sixteen thousand. Okay, Yeah, I was. Our home is actually in the Cameron Burns car and our barn burned down in the in the fire. I needed to get this pay for in full so that I could claim it

with my insurance companies. Yeah, it's too bad because metal metal building companies, most of them, if you want to know the truth, they're ripoffs. Hold on a second, we'll come right back to you. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're contenth 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 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, your troubleshooter three oh three seven one three talk seven one three eight two five five. So Jim says he puts sixteen thousand dollars down on a metal building. Is that right, Jim? A sixteen grand? Yes, sir, okay uh? And who did it? Was sixteen grand in payment in

full? By the way, that is correct. It was sixteen thousand and seven forty eight to sixty. I needed to pay it in full a front. So that I could turn it in before the deadline. Yeah, I understand the reasoning. It's still not a good reason to ever pay up front. But anyway, so what well, I mean, I mean, there's other ways to do it. So this was October of twenty twenty two. We're passed a year and a half. So what's going on? So when I talked to the salesperson, we came down and who is the company?

I'm not sure I really want to say that at this point. All right, they don't sound like a stellar company to me, but go ahead, and so, well, then what happened? So we agreed on what size building, We talked about windows and doors and all of that. I told them, Okay, I lived three miles in off the paved road back in the mountains. You can't send this by semi Wait wait wait have you called before? No? No, it's a similar problem. Wheel. Yeah,

it's crazy, and now they wanted you. They're saying they can't deliver it. No, no, what are they saying right now? What's the latest? So what they're saying right now is that prices on steel have gone up dramatically and I'm going to have to pay another five thousand dollars to get my building. Well, what does the contract say? The contract says that I've paid in full, and so what they're saying is that I did not sign the design finalization. Well, well, hold on, hold on, what

does that mean? It said you paid in full? And how does the design finalization change things? That they say? It's not a done contract. Yeah, that's what they're saying. So is it or isn't it? I mean, we got to get a legal opinion on this. Did you get a legal opinion? I have not. I wanted to start with you and okay, so you got to tell me something. Does it say anywhere that this is did they say the contract? First of all? Yes, Why

did they sign it if you didn't finish the design? And what's included? What's included in the design the whole building? I've got the architectural renderings here, but they're saying that I never signed off on those. My understanding was that we had a deal. I paid them in full. What's that I've got the description of the building up? Wait, wait, you you didn't sign it. They're saying, I signed this initial contract when I paid them the amount, the full amount, got it? It was there was another

document called the design Finalization that I should have signed within thirty days. Wait wait, wait, how do you know you should have signed it within thirty days? That's my question? I you know, well, hold on, I mean you just said that. Does it say that that was required to be signed within thirty days? I don't see that anywhere. Okay, that's what they're saying, and that that that's why I didn't never get my bill.

But hold on, But wait a minute. If you didn't sign the other document, then is they have to be They have to say to you, if it's not a contract, you can get your sixteen to seven back. Is that true or not? That's what I'm trying to do now, No, Jim, I'm asked. They can't have it both ways. They can't possibly say you paid for a building even though you didn't have a contract, we're going to keep it, or they're gonna say you're gonna pay five

thousand more. It's if they're going to try to charge you five thousand more. They got to give you an out. Go with a sure thing Denver's Best roofer excel roofing dot com. You don't pay a cent until you're content time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at 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 ripped up news need so you don't have come running just as fast as we can. Show Shooter's gonna help come Man Dix, is the troubleshooter show? No Tom Martino, Hi Tom Martino, Your troubleshooter three O three seven one three talks seven

one three eight two five five. What's going on in your mind? Let's talk now. Earlier we had a problem with and I'll go back to the metal building when we get someone on about that. But earlier had a problem with Susan, and my god, it was a weird one. Susan says her neighbor. Listen to this one. She says. Her neighbor placed her computer at the front window, and she constantly stares out the window while she works. When Susan complained, the neighbor put a film over the front window.

Now Susan can't tell whether the neighbor is staring or not, but the situation still bothers her because she feels like the neighbor is still staring. Susan claims the neighbor is devaluing her home because of it. Susan also says the neighbor's yard is cluttered. Now. I said, Susan, how do we solve this? And she says, well, she needs to move her computer. And I said, well, how would you even know since there's a film over the window and you can't see in said, well, I don't

know. And I said, what if she told you she moved the computer to the back where you want it, even though you don't have any right to tell her where to put her computer. And she said she would sneak and she really wouldn't do it. I said, so what do you want the right to go inspect to make sure she moved her computer so behind that film you don't have a woman staring out. I mean, this is sounding

insane to me. And then, but here's what's really insane is that this woman says that the city told her it would be illegal if there wasn't a sidewalk out there for her to look at Jesus, where is this woman coming from another planet? Bill's got a comment on this, Go ahead, Bill only on the Martino Show. Go ahead, Bill, what's your comment? I'll tell it, tough luck. You know, I got a lot of

time. I got a lot of free time. And not normally I sit outside, but when the wood is not nice, I sit in the front of the house where I got big windows. The curtain throw for you better not look out your front window and my neighbors on my entertainment, you better not. And if they don't like it, tough luck. They can crawl it. They can they can move around at night. I'll watch I'll do whatever I want to do, and I canna tell me I can't sit there

and watch them. I mean, come on, Well, it was creepy. We zoomed in on it off the Google. In fact, if you go to YouTube and you can look there in the third hour, k yeah, the third hour it was on. Yeah, you can actually see the woman in the neighbor. Think about that. What are the odds that Google car was going by at the same time it took the picture and there she is staring out the window. Go to YouTube dot com, type in troubleshooter.

He network look at the third hour. It's an incredible thing to see. So Jim put down some money, and I want to get our attorney on about this. This sounds crazy and I want Deputy Dollar to look into it. Kim claims he put he paid in full for a building, and it says paid in full. And he said that I want to see the contract. Yeah, me too, and you got to send that to us Jim before, Like, right now, did you send it to us? Jim? I certainly will, like send it now because we need our attorney

to look at it. I want to look at it. But in any case, here's what it says. I mean, they said, according to Jim, Jim signed a contract but didn't complete the design specifications. Jim, what is on the design? By the way, I'm curious this additional document they wanted. What's on it? I don't know? So they called it a design finalization document. Okay, all right? They said you didn't sign that, so therefore you didn't have a solid contract. Is that right?

So what they told me today was that the original cost of the building was twenty thousand, that I got a rebate for three three and fifty dollars, but I had to sign that design finalization document within thirty days. I don't remember that, and I haven't found it in any of my emails. Well, it doesn't matter. It's not in the contract, is it. There's a there is a line for rebate, but I and does it say on the line for rebate, does it say the original price was twenty thousand dollars?

Yes? And does it say the under the rebate or near the rebate, or around the rebate or under the rebate that in order to get the rebate you have to do something else? No, not that I have found. So they're saying that rebate was contingent on you signing the other thing, right, the design finalization tart. But you don't see that requirement anywhere. No. But here's the thing. This was sixteen months ago. So let's say that it did say I have to do that. I can't dispute it

one way or the other. But the problem is now we're sixteen months away and I still don't have my building. They want an extra place, Well, hold on, hold on, because you never signed it. So they didn't know what to do. No, you know you're not going to get out of it that way. If it says that you were supposed to do that to get the rebate, you were supposed to do that to get the rebate. Now you have a separate issue on delivery, but that's after you

signed the design thing, not before. Okay. But but if at this point I can't afford another five thousand dollars, I want my money back, and they're gonna penalize me ten thousand, well, I don't know. Again, it's a matter of contract. Is that specified anywhere you see? I have a feeling, Jim, I'm going to see all of this spelled out in writing. Okay, I'll scan it in and email it to you here in just a couple of minutes. Thank you very much. Listen, I

don't like metal buildings, metal manufacturer or metal building dealers. I don't like them at all. There's one on the referral list I like. I use some I bought to building from them. You just have to know the most important part is understand there's no windows, there's no doors, there's no knobs, there's no insulation. It is a bunch of metal pieces. That they put together. And if you think to building sixteen grand, if you're actually

building a foundation, you could easily have fifteen to forty thousand. Many times they quote a building, they're not quoting windows and doors, quoting anything. They're quoting just I mean the bare bones building. That's it, without any overhanging sometimes too, that's correct. And then depending on the pitch you want

on the roof, that can massively change the price. And they have all those stupid things where they call you up, and you know, you call them up and say, hey, I'm looking for a twenty six by fifty eight and guess what they always they always happened to have one in the back, right, I mean like they always have a building your exact size ready to go because someone canceled it. They're very very misleading. They're horrible people in general. That's right. That's the come on, we just happen to

have a cancelation of that size and you can get it. So Mark, what was it about Cleary? We found one time we were really pissed at. I can't believe what they did because for a while, I don't remember, clearly wasn't a bad company for a long time no. So they sold this guy a building, whatever it was. They go out to deliver it, and they said, our truck can't get up there, and I don't know, we never saw the road. I have no idea. But they

wouldn't give them a refund. They wouldn't do anything. They simply couldn't bring the building and build it where his lot was. But according to the caller, the sales guy went up there with him and said it would be no problem. So he was told it'd be no problem getting it up there, putting it together. But sure enough it was a problem. They couldn't get

it up to the site. So they they screwed him out. If I want to say ten grand three zero three seven one three talk seven to one three eight 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. 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, you're a trumble shooter from three o three seven one three Talk seven on trouble Maker. After that, well you think I did it? I didn't do it. Did I do it? Oh my gosh, I don't know. They let me out Today three oh three seven one three talk. We have Brad O'Brien

with his bread. I have some crazy stuff today. I hope you don't mind crazy every now and then with real estate you must get crazy, right, Well, I see kinds of different things, all right, Well here's one. Here's one. There's a woman who says that her neighbor moved her computer to the front window and stares out the window constantly when she's working from home, and she doesn't like it. So Susan complained, and the neighbor put a film up over the window so you can't see in or out.

Now, Susan says, while she can't see her, she's convinced she's still there. And she said that it bothers her and also is devaluing her home. And the city of Denver has looked into it, and because she has a sidewalk in the front, nothing they can do. Yeah, I don't think anyone ever said that, But here's what I want. And that was the silly part, but I want to It brought up a question that is not so silly that I really wanted to ask you about Susan says she's devaluing

my home. She has a junkie backyard, she's staring out the front window, or we think she is, and blah blah blah. So let's forget about Susan right now. Just I wanted to ask you a question. Are there times there a neighbor could do something so egregious that you could see possibly a lawsuit brought by a neighbor for devaluing their property. Well, you're talking about a nuisance claim something, Yeah, probably, huh. Nuisance claims could

have damages that cost you money one way or another. It's a hard claim to bring, a hard play to prove and you but theoretically, yeah, there could be Okay, theoretically Okay, Now, there was a real case one time and everyone picked up on it and we got to complain. This guy had his house for sale and as soon as it went up for sale and showings were scheduled. The neighbor. I guess he didn't like this neighbor

or something. The neighbor put up a sign, a big banner saying we play rock and roll music twenty four hours, or we party all night and we played loud music and we like whatever and ever and just boisterous sign and music. Now it almost well, I don't think it's almost. It was done intentionally right when this guy listed his house. Is there any egregious behavior that that's actionable like that? No, I sall them the First Amendment speech.

But if this is what's in a HA community. HUA communities have covenants against signs in your yard, except for like political signs during the season, But otherwise it's just freedom of speech and expression. If you're not breaking any laws, it's just tough. Luck yep, wow, have you Okay? Then the next thing we wonder this guy signed. We don't have a copy of the contract. We were hoping to have it by the time you came on. Do we have it yet, Kachina? Did he send it to

us? No? Well, okay, this guy is saying that he paid in full for a metal building, and in the contract it showed a full price of twenty thousand, and it showed a rebate of a certain amount, bringing the price down to fourteen or sixteen thousand, whatever, and he paid that in full. And now he's saying they're withdrawing the rebate. I know

what you're going to tell me. It's a matter of contract. They're saying he didn't do something specifically correctly by not submitting a design form, and therefore they're going to keep all of his money except for six grand. When it comes to deposits and the amount people take and keep, is it a matter

of contract one hundred percent a matter of contract? Or is there anything to be said about consciatability If you can show that, hey man, there's no reason for them to keep ten thousand dollars, Does that ever happen in reasonableness? Or is it all a matter of contract? Black and white? Well, both things are true. A written contract as control and is enforceable unless there's some reason why wouldn't be Unconscionability is a potential reason why contract wouldn't be

enforceable, and you have to see some pretty extreme facts. It would have to be pretty extreme for it to be not enforceable, right, Yeah, something is typically again not forcible because it's against public policy. Okay. In other words, like any reasonable person would think, oh my god, this is crazy, right something like that. Yeah, and we always hear about this, Brad. But what's the reality of prevailing with unconscionability? Have you

seen it? I mean you study enough common law and look for precedents in your cases. Is it a rare thing? Yeah, it's very rare at times when you might have an argument are where you have lopsided the negotiating power where it's but the contract of adhesion because one side is so powerful negotiating position versus the other, it's not really a contract at all. Okay, But that those are very they're they're extremely rare as far as that goes. Yeah, sure, yep. All right, well, Brad, thank you very

much for coming on. Brad o'brienolslaw dot com for anything real estate seven two zero three seven zero seventy three eighty eight, Jim, or you're gonna get us a copy of that contract or not? Bro? Yeah, I just said it about three months ago. Okay, good, look for that, Kachina. We'll take a look at that three oh three seven one three talk seven one three eight two five five. I'm gonna go look at that contract and see if we can see any outs for this guy. Coming right up,

Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero

sixteen twenty two. Hi Tom Martino here three oh three seven one three talk seven one three eight two five five. Okay, we do have Jim back, and Jim we looked at the agreement. I have one quick question. Okay, Yes, it says you're getting a rebate, and they say you lost the rebate. Is that right? That's their whole contention for raising the price, right. No, they're also saying to get the building now, steal. Prices have gone up significantly and it will cost me at least five

thousand dollars to get the building today. At this point, I'm really done with them. Well you're really not done with them, because this does say listen carefully. I'm not giving you legal advice. I want you to see an attorney. But for what I read that rebate? Were you said there's nothing in there about the design? Did you not just read what you signed. It says you had to have that design submitted in thirty days or you lose the rebate. You didn't see that, I did not. Okay,

well it's in there. It's in there. You had to have it submitted in thirty days or you lose the rebate. But here's what I don't understand. Even if you lost the rebate, that would bring the price up three thousand, three hundred forty nine dollars. It would raise the price by thirty three hundred forty nine dollars and seventy two cents. I don't understand where in

this contract it allows them to increase the price. Now, if they're going to say we can increase the price because this is now null and void. If they're calling the contract null and void, well then it's null and void. It's either null and void or not. They can't have it both ways. In other words, if they're going to invoke the contract, they would have to sell it to you at thirty three hundred forty nine dollars more, not five thousand more. Thirty three forty nine more. Okay, but that's

not what they're doing. They're saying it's five thousand more. That's the part I don't understand, nor do I completely trust you, because you told us it had nothing in here about that. And also in another part it says nothing you pay is refundable at all. So here's the point. They probably could enforce this contract with an additional thirty three hundred dollars. They probably can't. I don't see where they get the five grand from. Are you sure

they said five thousand dollars? They said at least five thousand dollars due to the increase in steel, I get yeah. But did they say it was going to be an increase of five plus the rebate? Yeah that no, No, they did not say that. It sounds like the five thousand would include the loss of the rebate. Okay, yeah, Well, I don't see where they can do this now. It does say here though, it's

understood and agreed that because business transactions are conducted electronically, Armstrong Steel. In order to look blah blah blah blah, they're they're saying, buyer grants Armstrong Steel the authority to take electronic entries. This authority shall remain blah blah blah. This ach payment authorization will be used as a guarantee. And it's understood that you're paying for products and services that are non refundable, not unrevocable,

non contestable. So that's where they get to keep all of your money. If you defaulted, okay, you're gonna need to get an attorney. I'm serious, you could end up losing everything. But if you don't want the building, I mean, I don't even know what the attorney they're going to be able to keep this deposit simple as that it looks like it. It looks like it. I think the best an attorney could do, in my opinion, not a legal one. The best an attorney can do is get

you the building without the rebate. That's what I think the best they can do. But I don't But that's only going to save you a couple of grand right, But Jim, if if you agreed to all of this, when did they say delivery could be made? I had told them I wasn't in a hurry for the building. No. I'm asking you, though, if you went ahead and agree to the additional price. I'm not saying you will. But if you did, when would they be able to do the

building? He gave me the impression to be a couple of months. Okay, Well, listen, man, I don't know. This is a complicated deal. And by the way, I hate metal building companies. I have not. Well, there's one good one, half way decent one, but Mark, they still deal the same way, don't they? As far as I don't mean, I don't mean dishonestly. But does he disclose all the

prices up front? Yeah? He makes sure you know what you're getting, but he also sits down when you're building it and helps you pick out the windows and then gives you a price of everything. Okay, because Armstrong and the rest of them, to be honest with you, I can't stand any of them because they all come on with the same low jargon, ad ad ad ad ad Did you know. Look that doesn't help you, But you

need to get an attorney or you could risk losing everything. Okay, so they did offer you everything but six grand, right, so they're going to keep ten thousand and they would refund six thousand. Yeah, you know the six seven eight six. Now what is this building for? Is that you're replacing a building? Yeah? I was part of the Cameron Peak fire and we lost our barn. We don't have live talk anymore, but I still need the utility building for storage. Yeah. Well, have you ever even

considered taking their offer for a refund? Yeah, that's that's why I'm calling you. I don't know whether I'll talk to an attorney first. I would, okay, go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up, free, no obligation comparison call Compass Insurance 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. Hey Tom, Martino here, Jason, what's going on? Jason? Hey, Tom, what's happening? Bro? Can you hear me? Yes? Sir? Hey, So I called back

about two months ago. I'm not going to give you the loan, the long version, you know, but calls you back about I've bought a vehicle, a cargo van from AutoNation, and I forgot the most expensive platinum warranty. It had almost four grand and uh wait, this is a two fifteen Chevy Van, Yes, and two thousand miles when I bought it, and you bought an ultimate warranty for nineteen hundred I paid I think I paid nineteen hundred for it. Yes, but it's worth four thousand, you know.

So it was. In other words, it was a big warranty. And a few months later the AC had trouble and they said they vacuumed leaves out of the blower motor. Yeah, okay, so did you where do you stand right now with this problem? Well? They kept I finally failed an AutoNation after a year and a half. Even their attorney called me and told me don't take it back up there anymore, even though it was under warranty. And I finally found an AutoNation that would fix it up on North Broadway,

and they were really nice to me. They said they'd go ahead and make me a priority. They kept it for six weeks. They said it wasn't the blower motor, it was a modulator. Then they that was covered under the warranty, and so they changed out the modulater. It wasn't the modulator, it was something else. And so they kept going deeper and deeper and deeper, and they tore up everything, the whole dash, everything, and now you know, like my car key doesn't work and all that,

Like they really mess up some stuff. But none of that really matters right now. What matters is that I was working at a restaurant because this is my work vehicle for my painting company, and so I wasn't able to work. I wasn't able to make money, and so I ended up working at a restaurant. And it took me about another four or five weeks to save up money from the restaurant to pay to get the vehicle out. Wait a minute, wait a minute, wait wait wait wait wait paid to get the

vehicle out. I thought this was under warranty. I had about twenty five hundred dollars worth of other work done also, Okay, keep going, go ahead. So anyway, I got the vehicle out about ten days ago, two weeks maybe, and it's doing the same thing and I just can't call and yell at him anymore, or or you know, like it's just I can't call them anymore. I need to take action somehow, and I don't know who else to call it. Well, I god, I mean,

here there's the problem, man. Okay, you bought this used right, and you bought it with this warranty. You bought it with this warranty. The warranty they still have to fix it under warranty. I mean, is it an AutoNation warranty? Yeah, it was the but but the GM dealership covers the warranty also. So it's like, uh, I hate to tell you this, man, but if you have a warranty, you had another twenty five hundred dollars worth of work done right now? Was that work done

right? That work was done right? Yes, it was just some other maintenance stuff that I wanted taken care of while it was there. But the warranty work that they've fixed under the warranty was not fixed right, Okay, So you still have a warranty problem. That is correct? Okay, damn it. I mean you're gonna have to find that. What is it that it's doing well? The first so when you turn the air conditioner on, it's like zero, one, two, three, and four, and the

first one and the second one in the third one went completely out. So the only way I could talk to people on the phone would be to turn it all the way off and then turn it all the way on whenever I'm driving, I couldn't turn it on like the first three levels, and they kept going out one by one by one until they all finally went out. Well, then it's still under warranty. It's still under warranty. Did you call them back? Did you at least call them back and say, hey,

you didn't fix it correctly. I called them twice today, but it's always somebody in Texas. You never can really get a hold of anybody there. It's just really complicated to call them. You leave messages. I called the district manager almost forty times in the past year nine. What if you went back to a different I know this sounds crazy, but what if you went to a different AutoNation and I don't know where that would be. I went to all of them from here to Boulder. Nor how many different ones

did you go to? Maybe four? And each one of them took a stab at it that no one of them told me they didn't have anybody with the expertise to work on it. How Okay, Okay, I'm gonna tell you what you need to do. You're gonna need to get You're gonna have to do what I say. If you need our help, I'll try to help you. I can't guarantee it. You need an independent analysis from people

who work on the air conditioning. We need to You need to get an independent that we know and trust to troubleshoot it and tell you what's wrong and how much it'll cost, and then we take AutoNation to small claims court. I'm telling you that's what we do. I'm willing to do that. I just didn't want to do it myself because all right, hold on, does Kevin work on air conditionings? Okay, I want you to go to I want you to give this to Kevin Caulkin, Kachina. Hold on, all

right, bro, we're gonna get you in touch with them. Well, thank you, common man, Paul for being here, free to come back anytime we liked having you, and uh don't forget folks. Three Zho three Martino for problems and help. H