The Troubleshooter 4-3-24

Yeah, ripped up news didn't need that, so you don't have Marnings. Just as nas as we can shoot, is gonna help come. This is the Troubleshooter Show. No, Tom Martino, Okay, I'm Tom Martino. Welcome to the show. Dang it. The weather's gonna be bad for the eclipse. I hear, and I wanted to fly out there. I was planning an adventure. I mean, because I want to be able to say I saw two in a lifetime because I went there. Wasn't it how long ago, sus was? It wasn't last year, but it was a few

years ago, three or four years ago. Tom Ross, Kimisky and I went out there. We flew in the helicopter and then we did our shows out there, and it was an adventure. And I just talked to Ross today. He says, no, he's not gonna make it a double or nothing. I want it to do too. But now let me get this straight. Everyone says, oh, it's a once in a lifetime thing, but it's not a once in a lifetime thing because for me, I hope it could be two in a lifetime. Where will it be next year?

Or I mean, how often does it happen like this where the swath comes and does it move over a little each time? Is that what it's doing? I don't know anyway. If you know anything, let me know because I want to go there. But I hear the weather's going to be crappy. Now listen, coming up right now today is Wednesday. We're going to have an exciting thing going on. You know. I love auctions and rollerauction dot Com. If you go to roller auction dot com, now that's just

an auction site. There are a lot of things on there, okay, like an eBay, right, but it's for industrial and all kinds of home stuff. If you go to roller Auction, I want you to look for Buy and Build. Courtney Pierce my friend and sponsor for many years, which I thank you for. Courtney. I've done business with him at of course, the Buy and Build Kitchen and Bath, five sixty South Lapan. He wrote the book on warehouses. He used to have a big, ugly warehouse

and then moved to this beautiful one on five sixty South Lapan. He he has all kinds of stuff there, but about twice a year. I think, Courtney, you say you do these auctions, right, I have them up? Is he there? Are you there? Courtney? Am I doing something wrong? Is he on? Hello? I have him pulled up? Can you see check out that line for me? Please and see why I can't pull him up here? I think I have him Shannon, if you could. Yeah, he might be on, he might not be, but

anyway, let me try. Let me try it again, Courtney. Yeah, this is you. Hear me now I can, sir, So now, Courtney, at one o'clock the thing start closing now, people and go go on now and bid right, but at one o'clock the first item closes, and then explain how it works because they haven't gone on. I want them to do it today. Rollerauction dot com look for Buy and Build Kitchen and Bath. You should be on the front page. And then bidding you

click the bidding button. What happens today? Now today, starting at one o'clock, you'll see the first three items will close at one o'clock. Then the next three items will close at one oh one, and every minute three items will close. Now, if you're in, if you're involved in active bidding on that item, when it closes and somebody outbids you with thirty seconds left, it does go into extended bidding for a couple minutes and gives you

a chance to counterbid, which is kind of a nice opportunity. Yeah, there's so many good deals to be had right now. Right now, you have some things that you can get for pennies literally, absolutely, there's there's all sorts of floor coverings, there's tile, there's hardwood flooring, there's laminate flooring. We've got full sets of kitchen cabinets. Some of the cabinets right

now are going for just over one hundred dollars per cabinet. And as you know, prices have gone up a lot in this industry, and cabinets are costing three four, five hundred dollars per piece. There's some really amazingly good deal came out it Courtney. What happens if something doesn't get bid on? What happens if there's no bid at all on it? I end up taking it back to my warehouse. But if somebody bids five dollars on something that's

worth five hundred dollars, it sells for five dollars. See that's why, Oh my god, that's why you have to go If you did nothing else but go on there and buy something that hasn't been bid on because there is no reserve. Isn't that correct? That's correct, there's no reserve. Off Courtney. I remember you were pissed off one time, and I mean in a lighthearted way, pissed off. Some guy got hardwood flooring. I think it was seventy cents or something a foot. It was the most ridiculous price.

This was years ago. I don't know if you remember that, but man, you said, you know this, these were some of the best deals people ever got, and I yeah. I mean for me, it doesn't help me because I'm not making as much money on it when they sell like that, but it does keep buyers quite interested to know that you can win a lot of hardwood flooring for fifty cents. Okay, now warefoot that's worth five dollars of square foot. So we're talking really good stuff. We're

talking countertop materials, cabinets. We're talking light fixture, not light pictures, right, are there light pictures? Yeah? We have good You have some light, fire, plumbing fixtures, vessels, sinks, all kinds of stuff. Now, what's the weirdest thing? You said? Your brother puts some stuff. He has a liquidation place have you come up with any weird stuff. Yeah, if you look towards the end of the auction, there's all sorts of little gift items and stuff, and there's some really funny things.

There's Laydo fun factory kind of stuff in there. There's a stretched armstrong hot dogs. There's bicycle locks. There's earbuds. Oh, man, you used to one time. I remember you guys had uh what what old guitar amplifiers. Yes, yes, we used to have a contact where we're getting musical instruments. We do not have any musical stuff at this auction, but we do have beer signs and I'm looking right now. I mean we even have turf builder fertilizer for your front yard. There's a hot tub. Oh yeah,

hot tub too. Huh yeah, there's a thirty jet spa corner hot tub in there. It comes with an inflatable cover that's inside the hot tub right now and be perfect for a bit. What's the bid on that right now, small person? I think it's at nineteen right now? Wow, for a thirty one jet spa that I mean would be having your back patio. Okay, that is rollerauction dot Com look for buy and Build and of course don't forget buy and build itself if you want deals, buy and build

dot net. Hey, we might actually really call you this afternoon if it's okay, Courtney, right after it starts closing, will you have time to talk? Yeah? Absolutely? All right, Hey, uh, let's put a tickler in the show to call him back. Thank you? All right, now I want to go to the phones, my peeps. Crystal has a follow up. Crystal, what's going on this issue with the neighbor?

Oh my goodness, let me explain this. So Crystal called and said, Hey, I had a dumpster and what I did was I had some cleanup I'm doing. I rant a dumpster, and my neighbor, who's in the construction business, all of a sudden starts uh using it. They put some wind construction debris in it. And then I told you, why don't you just talk to him and ask him the chip in or whatever? What's going on with that? Hi? Can you hear me? I sure can?

Okay, Yeah, Well it wasn't the neighbor. It's just like a couple of blocks down. Oh okay, but there were two young men, you said, I think that have and what do they do? They do they do a construction construction? Yeah? When I drove up to the house one of them. Is it like they have like a truck with a sign construction and then the roommate is a construction worker too, So what happened? Did anything change or what? No? Nobody else we had you on tour.

I think we had John yesterday. I said we were going to bring you back and see what we can do about this. Maybe we'll even call them. But but was it a one time thing or is it continuing? Do you know? No, it's just one time because nothing else ended up in the dumpster today? Did you end up having to get another dump on it or something? Like? Did you run out of room because of it? I'm a ninety percent pool and I'm still not done feeling it. So is

it going to result? Like? How do they work when you rent a dumpster? Did they come? I thought they come and empty it for you and then you keep it there? Are you paying by the month? How does it work with that? I just no, I just bought it for one time for six hundred, almost six hundred, and I'll have it for two weeks and then if it goes above the line, like above the I'm sure they charge you more. So I didn't work out any deals like for

them. How do you know then, if they're not neighbors, how do you know who exactly did that? Because of the boxes in the in their chense, they're shipping labels on it, but the boxes. Then you had old windows too, right, Yeah, the windows were with the boxes. They were all together like you could tell them through because there was a box and then there was the windows, and then there was another box I made in another world, I might in the middle of the night bring that back

and drop it off on their lawn. How much stuff those people might not even know. They probably had a contractor now hold on, No, no, those guys. That shipping address is to these two guys that live there and they're in the construction biz. Oh isn't that that story? Crystal? Yeah, yep, that's exactly. Because he said his roommate he kicked him out because he wasn't being read. And I said, well, there's your roommate. Wait so you oh wait, wait, so you did talk to

him already? Yeah. No, I talked to the guy that owns the house or lived there, and he said he would contact the w so he's blaming hold On, He's blaming someone who used to live with him. Yes, well that might be true. You know, that might be he might you know, maybe he has nothing to do with it. I amend my recommendation. Haven't you ever done it? You've never dumped anything, or have you a someone else? I've dumped a cup of coffee I was driving and

I flung it over my car. I have never dumped No, and I'm serious. I've never dumped anything in it. I've never dumped anything in someone else dumpster like that, a construction dumpster. I have been places where like I had a litter bag in my car, you know, you know what I mean, stuff, and I'd be behind a supermarket. Yeah, and I would throw stuff in their course. Yeah, yeah, difference. But I haven't done like heavy duty stuff to take you must have a refrigerator downstairs.

And that kind of disappeared. What does that mean? It means it went into a dumpster somewhere. It sure as hell didn't go to my house when I got rid of it. Oh, you dumped it here. I'm not saying where I dumped it, nor am I going to say if I did dump it. Hey, Crystal, do. What do you want us to do? I mean this guy. I was going to contact the neighbor, but I don't think we should if he if you already did and he said, look, we had to get our we had to get rid of

my roommate. He's the one that did it. Do you have a name and a contact number for that roommate? No, I give a my phone number. I have their name. Well you do you do have the offender's name? Okay, I'll tell you what. I'll tell you what. Let's have a who's is doc to home Deputy doc. Deputy doc? Can you Kaschina? Let's give this to deputy doc to call over to that guy to see if we can get a handle on the other guy. Go with a

sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're content. Please 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 O 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 three having won three talks seven one three two five five. We have pro bid energy with us for solar, so feel free to ask questions about that and we're going to talk if you want to text me five seven seven three nine. Of course you know how we love solar if done the right way. Also, I want to remind you that UH water Pros has the best water systems at the lowest prices bar none. If you want soft water, purified water, get rid of

the chemicals, get rid of the plastics. People. This is honest to God. I believe a crisis. People don't talk about it. You hear them talk about climate change. You hear him talk about air pollution. You don't hear him talk about water Waterpros dot net three zho three eight six two five five five four. Now Kim has a problem with ticket Master. In fact, are we on with ticket Master right now? Sus is that what

you're on ticket Master or not? No? Oh okay, excess, Oh okay, what's going Because I'm trying to get tickets from my kid on something and Sue's had the connections. No, I am on ticket mass Oh, I'm sorry, Yeah, I am. Okay, why do you have a connection? Why was he not able to do it? And you can? Do you have a special login or what? No? I just signed up through the artist. But why do you so? Why do you so you get you get, you get in before anyone else. Yeah, I got

in yesterday. Yeah, but why you's the other thing you have to do. You have to be patient because tickets will disappear, and then more tickets will reappear. Okay, because he said, Dad, they're all gone. Man, he said, they're all gone. If you wait a little bit, some more reappear. It's so I just texted him, and you're texting him because I want to snag him, but I want to make sure he's going to make good on him for his friends, because I just want to

make sure they're going to pay their share. And we're on there right now. So what's your issue, Kim? Hey, I called to let you know. I try to get tickets for Death Leopard. Yeah online online? Actually yeah. I picked my feet out and everything and went to check out try to use PayPal. They didn't accept it, so I put another credit guardian was not accepted. Oh my didn't hold on. Hold on. When my son went in yesterday and put in there were some tickets available. When

he went in he put in our card. It was rejected both. I gave him two cards. They were both rejected. Then they sent me an email saying did you make this purchase? And I said yes. Then they said, okay, tell the merchant they can resubmit it. Well, well we didn't and we lost out because I called him back and he said, now they're gone. So this is common with Ticketmaster. It's common with certain apps. If you make a purchase, they make you confirm it. Okay.

Well, in fact, I've had I've had some sites. My daughter went on a site for clothing and I must it's a Chinese company or something. But man, they must have a lot of fraud or something, because every card we put in there was rejected. And the site really does ship and they're legit, But I don't know what to do. Have you ever come across that mark or sus Have you come across that where you can't use a card they keep rejecting it, not because of your card, but because

of the site. It's I don't know if they have an algorithm that measures the amount of it's going to be your bank declining it. It's not this site. No, no, it's the bank. No, No, you're right, Mark, it's the bank. But I'm wondering of our credit card issuers. Well, you have a lot of fraud on yours, so maybe yours is set to a higher degree to decline. I don't know. It could be. It could be. I mean the fraud that I've had is unbelievable to me. How many people. But anyway, that's what it is.

And there's no answer to it, Kim, except contact your bank tell them to show I didn't finish my story though, Okay, go ahead, after God decline, God decline. It popped up with if they're having issues, called this number. Yeah, so I called the number and that's where I got ripped up. Basically, the numbers stated, Yeah, then you weren't on the ticketmaster site. Yeah, you were on the wrong site. No, no, yeah, I guess so I know you were on a you were on a site. This happens to Oh my god, so you

were on a cloned site. What happened then? Well, so then they tell me the reasons why your card got declined that they're having issues with their system and I need to go down and purchase Ticketmaster gift cards. And if they don't have the ticket Master gift card, which they come to find out, I don't even think they have gift cards for ticket Master. Wait a minute, did you do it? I did, like a stupid Oh my god? How what though? You just said you don't think they had she

bought gift cards. That's not what she just said, though, would you buy even stupider? Because they said if they didn't have that. I should have known if they didn't have the ticket Master cards that they would accept the eBay card. Oh god, well, I'm like, yeah they have eBay, let's do eBay? So okay, that was one hundred and sixty five dollars I purchased it. I said, yeah, that they only had the eBay card. How many? How much did you lose on all? How

much did you lose? Is that from twenty five dollars up to two hundred dollars? Are you get purchased on this? Are you? Are you out two hundred right now? Well three hundred and sixty five? Oh, oh my god. Man. She toured some sugar on them. Yeah, he said, the one sixty five got declined on that eBay card, so I would need to do the full party. You never suspected fraud. You thought that Ticketmaster was really calling you, having you go gift card get gift cards.

You know, I actually would questioning. I was thinking, and he's like, well do you think I would room Ticketmaster's name and this and that and we're legit? Oh my god, because raving system bobbles everybody els how many times are people gonna hear this over and over? Never ever, ever, ever, ever buy a gift card of any kind O. It's like giving them good gas, basically, it is. And there's nothing you're gonna

do about it. It's just gone. Kim. I wish I could g you could still go on to the site right now today and go under www dot Exactually, and I should have caught this one too, which you should have just been ticketmaster dot com. Well this is ww dot the Ticketmaster. Oh hold on, so give me the site. I'm gonna play along with this guy. It's www dot the ticketmaster, that ticketmaster ninja dot com. Why the ticket Okay, well, how the hell did you end up there?

Well? I ended up. I don't know. I googled it. Oh they paid for se Oh I got it here, call now, refund and rebooking now available for Man, this looks legit. This looks legit, sister, this looks legit to me. I'm looking on here, and you would think you're on ticket Master for real, and then you call him, and then I'm gonna call him. I'm gonna call him right now. Look at I'm in California. Well what part of California? California? They couldn't answer, what part? I'm like, where are you at? Uh?

Waitah wait, wait wait always allow ticket Master? Oh man, okay, I want to where's it? I don't have it. Man, it's not given. You got to try to buy it first and let your credit card decline. No, no, I got the number here. I got to know you can do it just going to the thak with the call button. Oh my god, I see it. I got it right here. A phone number you, yeah, I got a phone on her. Okay you hold on, I mean not hold on. I want you to listen.

I'm gonna I'm gonna have some fun with the these jerks. They're ripping people off. Kim I'm gonna get the word out. That's all I can do for you. Man, I'm so sorry to 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 here three all three seven one three talks seven one three eight two five five eight eight eight Heating dot Com continuing where their free inspections, Take them up. Take them up on it, man, before things get rough. That's

free inspection on acs and sewers and plumbing and electrical. Really, it's no gimmick, an honest company. In fact, if you need a replacement, they do high efficiency that keeps you saving eight eight eight. Heating dot Com three oh three seven seven zero two seven seven six Let's keep going here and see what we can do for you. All right, Now, what I'd like to do is, uh warn people again in general, never ever, ever, ever, ever, ever use gift cards for any kind of a

purchase except at the store where the gift card is. So Amazon for Amazon, eBay for eBay, Applebee's for Apple. Is there even such a thing as Applebe's anymore? I don't even know. But anyway, Red Robin, Okay, but don't buy gift cards and then give someone a number of the phone. Ever. There is never, ever, ever a legit reason to do it, ever. Larry, Now, Larry, Larry, Larry, what's going on with you? Larry? Hey, Tom, I got a question for you. And yeah, I don't know. I don't know where

to go with this. So I've listened to you for almost twenty five years. So here we are. My father in law passed away in January, Okay, unfortunately, So he left a house for my wife and myself and my sister in law. I thought my sister in law was going to want to keep the house. It's an amate way. So it's your sister in law and your brother, right, No, my sister in law and my wife. Oh, it's it's their their family. Yeah, okay, got it? Oh no, I get it. Okay, so go ahead.

I thought my in law was going to want to keep the house. She had changed her mind and wants to sell it or well, hold on, what does your wife want to do with it? She wants to keep it, and what does she want to do with it? She wants to keep it and maintainer, what rented out or what? No, use it as a it's a mountain property, and she wants to use it for our pleasure, for both, for both her sister and herself. No, her sister

wants to be bought out. No, I get that, but your sister, I mean your wife would want would rather have both of them own it and use it. She's okay, but you're well and your sister has a right to want to be bought out. Was there any kind of conditions to this inheritance? Was it fifty to fifty? Do you have any idea how it was inherited? Yes, it was in a revocable trust and it was fifty fifty. Got it? So now you should buy her out? So

what's the big deal? The question I have is it's worth about a million and a half was this from Dad, by the way, or mom? Or both? It was from Dad? Okay, worth a million and a half? Got it? Yup? Seven point fifty each? Yeah, I got it? And who says it's worth a million and a half. We've had it appraise? Okay? Did you have it a praise on the day of death? No? When did you have it appraised? About two weeks ago? When was death? January fifth? Okay, it's going to be

about the same. Go ahead, yep. So here's my issue. I would like to buy out my sister in law. I would like to we're looking at tax mitigation here. So in the state of Colorado or any state in the country. I assume there's no gain. There's no gain for anyone, and there's no Here's what happens. Can I explain this to you? Yes? Please? The basis of that house is one point five all right, because they got it on day of death, it's one point five or

when he put it in the trust, so it's one point five. They don't inherit his basis. They have a new basis one point five. Now, if your wife sells half of it, there is no gain to her. Okay, that's it. Now her basis goes from seven point fifty to one point five again, Okay, so when she goes to sell it, her basis will be one point five. Excellent, now, and I want

you to check double check. We don't really have to, but in fact I'm going to anyway, because my god, why shouldn't we You called, let's get uh, can you get mackenzie on Dan, let's have mcken and if not, we'll go to Kieling Park. Either one of them. They are great people. So but that's my gut is there's no gain on any transaction, no taxable event, and that her basis goes to one point five.

Is that what you were concerned about? Yes. My other concern is if I if I buy out my sister in law over three payments, so a payment this year, a payment year two, payment year three that has no relevance on the through a premissory note that is no relevance on the on the taxes. She's going to sign it over immediately. Is that right? Yes, with a and you're going to do a deed of trust? Is

that correct? Exactly? Then it's just like having a mortgage. So your question is this, what if I inherited a home and I went out and put a mortgage on it. Would I pay tax on that mortgage? Of course not, That's what I was. That's borrowed money. It's borrowed money. Correct, So you are, in essence putting a loan on that house to pay her off. Yep. Yeah, Now I'm going to double check all of this. If you have patients, hold on and we'll do that.

Okay, just hang on and we'll double check all of it. Probit Energy, probit Energy dot com, Mark Kunkle. We have a question on the text and it is a very simple one, and that is when you go to uh A commercial property. They heard me talk about the other company I endorsed as well, you guys are great, great too. I mean I have I have two really good solar companies. They heard me talk about incentives for businesses where you can pretty much get the damn thing paid for pretty

much. Yeah, between federal tax incentive, tax depreciation, and then Excel if you're an Excel area, they have r e c S renewable energy credits that basically push you in a position where you're you're getting your system paid for. And we know we have a gre are grants available tour. Is that what you're talking they're different grants, that's different the agricultural benefit things. There's a lot oh yeah, yeah, yeah, but you have to have somebody

who knows how to write those. Yes, you do. You guys have a grant writer. You've worked. We don't, We don't. You should try to find one for the oral people. But right now you're concentrating on urban areas anyway. Yeah, in the commercial landscape right now is a great opportunity because Denver is asking everyone to electrify. Yeah. Well, when they electrify their building, they're going to use more electricize of course electricity. Yeah,

well they should offset that with solar. And if they do it now, they're going to have an opportunity to essentially get it paid for. Right. We do free assessments on commercial buildings. We drone it, do a design and come up with a proposal and a financial plan for peop Dan McKenzie's online. I want to take him before I go to break real quick here, Dan, thank you for being here, sir, an estate planning attorney. McKenzie Law eight three three co Plans is his number. So here's the

scenario. Two sisters inherit a house from their dad day of death value one point five million. Okay, the one sister wants to be bought out is sister number one pays all off sister number two the seven fifty Sister number two doesn't have a gain. I take it because she had half of that basis and then sister number one ups her basis to the full one point five Is that right? Yeah? Let's see here, because yes, because she would

have just done the purchase right right. Well, so if it's one point five going in and she buys her sister out for seven fifty, her sister did not make a gain, correct, and she now has the bigger gain and not many the basis bigger basis I'm sorry, Yeah, yes, okay, Now, next question, and that doesn't matter if she takes a loan out to pay the sister or makes payments to the sister that has no ramification

on it. Correct. Good. Now I want to I want to ask Larry, do you have any other questions for Dan mackenzie, because he's pretty much a genius, you know what I do. I'd love to have Dan's number, Yes, eight three three co plans and by the way, he is in Colorado. That's a total free number, but you know it's it's a three three co plans. Go to the website coeoplans dot co and he can take care of you man. Thank you, Dan McKenzie. 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 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 oh three seven one three talk to three seven one three eight two five five. Welcome to the show. Probid Energy dot com is with us as well if you have any questions on solo. Right now, Ben wants to talk about an issue with taxes and a CPA. Hey man, what's going on? Are you there? Ben? You know line one is giving us trouble? Hey Ben? Yep I can't. Hey, man, what's going on? Hey? How's going good? What's going on? Hello? I'm here Ben? Can you hear me? Oh?

Yeah, yeah, I'm here. All right? So yeah, I was Uh. I was calling because I had started a business with the CPA back in twenty twenty. Okay, yeah, Now what when you say you started a business in two twenty, A CPA meaning the CPA did it for you? Yeah, I started business with her for my business. Okay, but you used her as a professional or did she go into business with you? I used her as a professor? Got it? I got it.

You started a business and you use the CPA. Go ahead, Okay, Well we have started our deal, which was we And the bad part is I never made no contracts, so I don't know that, kid are what we could do about that? But anyways, I started my deal with her, and when we first started, she told me she'd have four years of taxes done for me. And because I gave her all the numbers, I

had it all up myself and I gave her all the numbers. Wait, so you didn't do when you started in twenty twenty, you didn't do the twenty twenty tax here in twenty twenty one or the twenty twenty one tax here in twenty twenty two, you didn't do normal filings. No, I did

not. I was. I was one year behind, and she was planning to go back all the way to two thousand and seventeen and redo them all for me because they were why twenty seventeen, why twenty seventeen of the business started in twenty twenty the business I started business with her in twenty twenty. I started my business in twenty and nineteen. Gotcha, she wanted she wanted to go back to two thousand and seventeen and redoing my taxes because she said

they weren't done right by H and R Block. Okay, So anyway, so what is the problem today, Well, the problem today is she had she had takes. She told me pay her one thousand dollars and three months she'd have them done. How much one thousand dollars? All right, hold on, I'll come right back to you, Ben, don't go away, please, three oh three seven one three talks seven one three eight two five five. We got more coming up on the Trouble Shooter show. Brand Afterday

Go with a Sure Thing, Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're content. Leave time for an insurance check up free, no obligation. Comparison call Compass Insurance. Pay too much your coverage at dozens of insurance companies find out now three oh three seven seven to one

help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two ript news need you don't have come, run as fast as the cam. No Shooter's gonna help come. This is the troubles Shooter Show. No Tom Martino, Hi Tom Martino, You're a troubleshooter. Three oh three seven one three talk seven one three eight two five five.

You know we have a lot of discussions behind the scenes that I should let you in on from time to time. Otherwise, just my YouTube morons get to hear it. And uh, I love my YouTube morons, but I don't think anyway. Here's what I Here's what I wanted to say. I was saying that I don't think there was a victim in the so called crime Trump did in Manhattan. And by the way, for the record, I'm not making a political statement. I would say this, if Biden did it,

it doesn't matter. It wasn't a crime as far as cheating anyone. There were no victims. Even the bank said we looked at his financial statement and accepted it. Yeah. So if think about this, folks, do you know when you put up a financial statement, have you ever done that? Mark, have you ever had to give a financial statement? Well? Yeah, of course, Well, okay if you exaggerated on that, Like, for example, anybody that's ever got a mortgage puts up a financial statement,

Well, no, you feet an application. How much you're in your bank accounts, what stocks now own that, what mar equity do you have in other properties. I'm talking about a financial statement of assets and liabilities and current liabilities long term line. It's an actual two pay it's a it's a side by side column and it comes up with a net worth. People don't do that for a mortgage, Okay, they put down all of their financial information. Yes, and you can't lie about how much in the bank and

all that. That's true. But I'm talking about a financial statement. A financial statement is done by business people who do all kinds of stuff and it shows you. It's supposed to show your credit worthiness. Now, a financial statement is not an application. You do an application plus a financial statement. I know this because I've done it for fourteen eighteen commercial deals, and that's what you do. In the financial statement. They asked things like, you

want to you put down your vehicles. Then you put down your loans, you put down your house, you put down your loan, you put down whatever else you own. People own horses, people own art, people own whatever. It's on your financials. What New York is saying is not that he exaggerated the price of the property of which he got a loan. They're saying he got preferential interest rates on it because of his financial statement. They

were going after his financial statement. There is no one in the world. If I look at your financial statement, there's not one person in the world that is one hundred percent accurate. Is it a crime? According to New York, it's a crime. I'd like to know more about their law. By the way that they have on the books, supposedly that says you can't overvalue property. But in any case, here's the bottom line. I think it's unbelievable to me that he was prosecuted for that, and I think that

should be really frightening for anyone. Anyone. Well, it's the amount that's really frightening. How do they figure when the banks themselves said we did not lose money. Well, no one's arguing there's no victims. That's not even it. They're saying he broke the law and it's a fine. You can be speeding on the highway and get a ticket without having any victims. Okay, now let's talk to deputy doc who has a number of cases. Go ahead, Dot, what's going on? Hey, Tom remb you told me

to call Crystal about the the dumpster. Oh yeah, so I just wanted to Here's what I wanted you to do. I just wanted you to touch base with that guy that rented to the contractor to see we could track down that contractor. There were two roommates. Brad was the roommate of Andrew. We got in touch with Brad and he says he's in marketing. He never had any garbage except for two trash bags that he left on the driveway. He had no construction materials and he never put it in dumpster. So we're

trying to get in touch with it. Uh with Andrew, who was the owner of the apartment. Do you believe Brad? Do you believe? You do believe Brad? Right? Yeah, I do? Okay, good? And then you know Emily, Emily had a problem with a computer between packed, HP and Best Buying, they're going back and forth. Now this is a new problem, right, doc, Oh, this is from a couple of weeks ago. She had a problem with her with her computer. And what happened? Emily? Yeah, okay, go ahead with usual finger pointing

Best Buys pointing at HP. HP is pointing at best Buy. So I tried, Oh, I remember that. So, but doesn't she have a don't they have a return policy at best Buy? They're they're saying that they need they need an email from HP saying that they will cover the expense. She has a letter from HP, but best Buy won't accept the letter. They need an electronic confirmation with a number. So Emily just found out an email that we can send the corporate and try and get this figured out.

So I'm trying to do why do they need I don't understand if they have a return policy, why do they even at me? They don't know I spoke to you know, they's just mutual finger points. This is not the same Emily who's a student at see you right. I believe it might be. I don't remember Tom. Okay, but she sounds like she's young. Yeah. So I finally got an email for a corporate So we're going to send an emails this afternoon and I will let you know what happens. Thank

you. We'll see if she gets what she has coming. Do you have any other cases? Yeah? But nothing, Uh okay, just in the middle of them. But thank you. Deputy Doc working from home today, okay, Robert, he wants to talk about Hoa's rules. Speaking of Hoa's I wanted to ask about that when it comes to solar from our conco of pro bid. Right after this question with Robert, I want to ask about the rules because we've gotten a few increase about people and the way I understood

it, the HA can't stand her in the way. But we'll talk about that, Robert. What's going on? There you go? Robert? I'm sorry, there you go? Bro I got you now? Oh can you hear me now? Yes, sir, So, I got some questions on an HOA I live down here and sothern Colorado up southwest Alamosa, And technically I guess it's really called a property owners association, but I imagine them. Yeah, Now what kind of property is it? Are they single family homes?

So what this is is they're all individual one acre lots and there's about ninety eight of them down here, and I own two of them. But there's only a couple houses out here. So most people that own places down here, they're out of staters. Nobody really living, right, So what is your issue with the HOA? So my issue is is I'm just trying to get information up front from you on what my rights are from Colorado's laws in requesting, for example, the laws by laws, rules and regulations.

Okay, because when I bought this house, I got some rules and regulations, and then the HOA president lives out here. I live out here, and only one other guy lives out Okay. They have to provide you information and they can charge you for that if you hold on. What I'd like to do is get stand the HOA man on. Okay, hold on, he's one of our deputies that helps us out with HA matters. Let's ask Kim three oh three seven to one three talk seven one three A two five

five. Welcome to the show on Tom Martinez. Get your calls in and don't forget Genesis Total Exteriors. They are now in full swing for spring for all your exterior maintenance and repairs and replacements Genesistotalexteriors 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 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 here at three three seven one three talk seven one three eight two five five. Premiere Window Cleaning and window Washing, window cleaning and UH pressure washing. I should say Premiere, good guys. In

fact they are helping UH they do it great. All I can say is they do a great job. And if you want honest people to do your windows. Go to Premiere. Let me just give you that number real quick. They do your windows and pressure washing. Seven to zero nine five three zero zero seven eight trust Premiere. Window dot com is the website. So Mark gave me the law. He sent me the law, and it it

absolutely has I am shocked because I didn't know about this law. And what it says is, basically, it is illegal to put or utter any false statement on a financial statement. Now what they mean is anything like value your ability to repay. It's a very simple law. But I can't believe that there's a law like that. And it was in way before Trump, so they didn't make this law to go after him. But it says under the law in the York, a person is guilty of issuing a false financial statement.

Now that's not an application, you see. They're not accusing him of falsifying a building that he got a loan on. It's like if you went to get a loan on a house and said your house was worth a million dollars and it's worth one hundred thousand. That is fraud, right, you get a bigger loan than you should, but there's an appraisal. They're not accusing him of that. They're saying his private financial statement that he gives to the bank ones that we give to banks. It's between him and the bank.

But in New York they say, if you give this statement to anyone, and it says with the intent to defraud, So this judge had to figure that not only did he give that statement, but he intended to defraud. But he's a left wing kook. Yeah, And then it says, so it says any instrument or article, computer data, or computer program containing printed matter, or the equivalent used for the purpose of reciting, embodying,

conveying, recording information, or consulting a symbol of evidence of value. So basically they're saying, when you give a financial statement, it better be exact. I'm telling you now. Obviously, when it says with the intent to defraud, it's even funnier it since real estate that's what they went after him for. How do you generally value real estate? You value it when it sells, and if it didn't sell, who's to say what it was worth

or what it wasn't worth. That's right, So I guess the DA went out or over the Attorney General went out and appraise these properties, yeah, going back how many years? So they appraise him in reverse. So they said Mari a Lago at the time was only worth whatever it was. Yeah, and once again, how would anybody ever be able to do that? How many comps are there for Mari Largo or whatever it is? The point is this, like how many comps were an intent to defraud? What the

banks even said? He did not get a preferential interest rate and some of the properties were actually drastically undervalued, probably on accident. I don't know, I honest to god. You know, people, no matter how much you hate Trump, this is wrong. It's so freaking wrong. Now Robert's waiting for a stanyhoa man is not responding right now, Robert, will they hold a few minutes because I really believe you do have a right for all that

information. Okay, stan has said that numerous times. They can. He has to do something to get it. The problem is it's one of these deals that passed in our state where they're supposed to give the information, but if they don't, there's no remedy. It's just like the hospital bills. The FED said you got to post everything in the hospital. How much it costs and X rays this much. But if they don't post it, which none of them do, nothing happens. So who cares about the rules.

Okay, so there is I'm looking up this law Colorado. Listen to this, Robert Colorado requires in their HOI laws. I'm gonna I don't have to quote the number, but it says here to make documents and records and budgets available to the homeowners upon request. That's governing declarations bylaws, rules, regulations, covenants, meeting minutes, financial records, and contracts. It says, though you absolutely have a positive right to do this, and they can charge

you. That's right. In fact, we had one about two weeks ago. They she quoted. It was a she she quoted exactly what you're looking at and went to them and you know what, they said, No problem, that'll be four thousand dollars. Remember that call. Now, listen, I think that goes Okay, that goes against what they call the spirit of the law and would be, in my opinion, considered unconscious. Then what's

the remedy when it's unconscionable? I'll go right down that road with you got to assume them and then what happens though, the judge says, okay, it's unconscionable. And then what then they say, okay, one thousand, here's your paperwork. Well, there's got to be a the judge would probably set a price. They probably would in that case. My whole point is you've got to take them up. No, it would take way more than four I get that, Mark, I get that. We confront that every

single day. It sucks, man, But why may I ask the law in general when there's no real enforcement. I've always said there should be enforcement of HOA stuff. There should be not just the law, but enforcement to find those asses. You know, it's I mean, find the person, but not not the HA, because then all the homeowners supper. You find the management company, or you find the HA. And now this poor guy, if he did sue him over this to get it, he's gonna be

paying both sides. That's the best part. He's gonna hire his own attorney and then he's gonna pay for a chunk of their attorney exactly. And I'm trying to avoid being the paying for both lawyers. I think you just take over the damn board. You figure out what the bylaws are and you got to go in there and change stuff yourself. I mean, wouldn't you agree, Tom, that's the best way to do it. Yeah, And I'm working to get on the board. Now, listen, Robert, did you

actually hold on? Did you actually make a request? They turned you down? Well, yes they did. How did they turn you down? Robert? I want to know exactly what you asked for. So what I asked for is because he was referencing the president lives out here. I live out here. He was referencing all these rules and regulations. So I'm checking my bylaws that I was given when I bought the house. All I want to know. No, No, I listen, Robert, please, I don't

want to clutter this conversation. Here's what I'm going to ask you. What did you request? I request all of the rules, regulations, laws and by laws that are up to date. What did they say? They sent me to the secretary. Yeas secretary says he doesn't have them, Okay, then what and and and that's not refusing you, that's saying we don't have it. What else? Well? When the Well that's the issue is how can they not how can they hold me to the rules and regulation when they

can't give me a copy of the rules. Hold on that that that you got some validity there. But here's what I want to know. Did you do this as a result of some kind of conflict with them? Are they fining you? Or did they send you a letter about something? Not yet. But what I'm going to be doing is upgrading the house. And there are some rules you're upgrading, and you want to make sure you do it right. I want to do it right exactly. This is my home.

I live here, I get it here, I get it. So but really and truly, maybe maybe they're disorganized and don't know where they are. I mean, did you call back the hold on? Robert? Do you have a management company or just an ha board? It's just the HOA board. Okay, Now did the HOA president did you call him back and say the secretary doesn't have it? I did? Yeah, And what did the president? What did the president say? So? He said that the current

copy is so illegible from being photo copied so many times. He gave it to a property management company to have rewritten and they haven't given it back. Okay, well, then that's legit. Hold on, that's legit. Who's the property management company. They said it was cc R S. They're out of California, supposedly. Okay, So Robert, what they're not saying we refuse to give it to you. They're saying we're just or it's a mess.

We're trying to get them redone. Yes, exactly. No. But I've even asked for even the bad copies because I know and you do have a right to that. And I would like I would like Deputy Chopper to call over there and to talk to the HA president and say, look, you we got a dilemma here. By law, you have to do this. He could be held personally responsible. You see, Mark, there should be fines for these guys that hold office. They should their asses should be

fined, Robert hold on. Well, and that's what I And then before we do all that, though, that's what I was calling to get the color revised statues numbers, so then I could just be cordial with him, because he is my neighbor and he can be kind of a handful when you get on his bad side. So I'm just trying to just trying to do things right politely before we bring you know, trank off. All right, here's here's what it is. Title thirty eight is in general article thirty three

point three. It is a big giant. It's called Colorado call Common Interest Ownership Act. Just start googling, start googling or chatting with an AI right now. Ais are far better, far better than Google. You know, why hasn't Google just built in an AI to their search engine? Why don't they just build it in? No, it's not. If you ask that a question, you don't get answers like you do with a chat. You don't just the regular Google search. Why don't they just a does it does?

Okay? Now I think Google they're doing it. I'm not. If you know, if you go into Chat and ask a question, then you into Google and ask the same question, Google brings up the Google Search and it has a little tiny answer. But tell you nothing. I'll tell you why. Because Google's an advertising company. They that's exactly what they want to happen. They don't want Well, no, that's true, but that's your handle. You can be an advertising company but still give information and put within

it the links. I think that would be ingenius. But hey, well it's like I'm gonna tell ABC or alphabet what to do I mean like they know what to do. So listen Title thirty eight, section thirty three point three of the Colorado Revised Statutes. So excellent, that's where you start. But there's all kinds in the row, and within thirty three point three it outlines all the information that must be disclosed and given to you. Disclosure of

information for insurance, the disclosure of everything's there. But you gotta read, read, read, read, okay, and I'm then I don't mind reading. I just want to make sure I come at this correctly because again, this is my home. Gotcha, bro, I gotcha. Call me back, this guy, call me back, let me know what they say. But I'd like to give this to Chopper to watch in case you don't get

what you need. So alert Chopper of this Kachina what I need. Yeah, I'll definitely take the gloves off and let you guys swing with me. All right, hang on, I mean, just just get we want to give you to one of our deputies. Three oh three seven one three eight two five five. So it's an active show. If you have anything to add, give us a call. Renew Home Innovations will do your showers in

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to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine, your troubleshooter three three seven one three talks seven one three eight two five to five. Okay, you can we do that outbound right now? Did you get those uh uh that outbound cart message? Oh? They didn't answer. Okay, all right, Well we had a problem that I really want to get into,

because these cards are being hacked on government benefits. They put them on. What kind of card did they put them on? They this was happening with unemployment, But this is happening. It's like a Master of Visa, debit card whatever. There's a card that this family got and she got it in the mail, right, she gets it in the mail. No, no, not in the mail. I'm sorry that the cards loaded, I mean monthly. She got the card originally in the mail. But she has the

card. And here's what happened. Somebody had gone to a seven to eleven and exhausted, drew all the money out the day it was charged. Now, how did that happen? How does that happen? When do you have a government card for benefits? In fact, let me get the name of the card. I've never heard of that. I don't know. How would they know it was charged? Where the heck is it? I'm going to find it, but okay, here it is, it says a government assistance

check every month that goes on a snap card at midnight. Someone went into a seven eleven with a cloned card maybe and they took four hundred dollars. They got to know the pin number. How the hell did they do it? Well, they have to have the pin number. I don't know how they did it, but without the pin number, they couldn't have done it. The office says it's the same with Colorado they use. Office says it is wide spread. How does this happen? Pen is set by the cardholder,

so they must have intercepted it in the mail. Well, no, I mean I guess maybe, But but why is it widespread card re You know, there's a lot of a lot of scams. It would work the same on a snap but you would still have to have the pin though, and these snap cards you got to have that four digit pin that that person

sets. Yeah, but if you're at a gas station and there's a full you're saying, they capture the pin, capture the pin, Yeah, and so that's it's just no different than our cards getting Uh oh, they get the pin with that card reader? Are those? Where do you buy? I went on Amazon. I can't buy one of those scanners? Where do you buy them? No, I'm a junking, But we hear about these things. Where do you buy this stuff? Where do you buy stuff? To do illegal stuff like that? You hear about it, but where do

you buy it? Where can you buy one of those? Okay? I uh, I'm searching this. It's okay. What by the way, SNAP stands for Supplemental Nutrition Assistance Program. So what happened though? Did they get to four hundred or not? No, it's gone. They have never heard of any bank giving money back if a pin was used, ever, it says here that would change. That would change banking forever. If they started doing that, you could just claim fraud, you know, oh with a

pin number? With a pin number, I've never heard of any bank ever giving money back. You just never hear of it. How would someone get someone's pin number? When you said, he's saying a tracker, But then they don't have the you swipe it, or when you put in the chip, they don't. You can't do the chip one But the swipe cards. But they even if they're at a gas pump like Mark saying, they still have to put a pin in in order to post what I'm saying if it

captured the pin, But who would capture that? There's no scanner on the keyboard. When you put your pin in, they put a false scanner on it. Yeah, okay, you put your card in, you get your gas, you punch it in. They come back at two o'clock in the morning, they pull that off and all the data has been captured. The entire scanner's fake. Yeah are you sure? Yeah? They were doing that at some walmarts, the entire at this self check out the entire fau for

I mean, how does somebody see them installing this damn thing? Maybe something on somebody on the inside. But people, here's what I want to know. Do you know anyone or has it happened to you where someone has actually gotten a pin number? How did they get it? I would think they would generally get the pin number from the person somehow watch him put the pin in. I see, I've never been hacked because I I trick people.

I use password capital P A S S W zero RD. So when I use that's my password for everything, and and it works because I put the zero in instead of the oh, so it's password capital P with the zero. And when it comes to pin numbers, I'd never get hacked because I just do one, two, three four and people never expect it one two, three four. And if I need a six digit number, I do one, two, three four five six, and it is so obvious no

one guesses it. And that's my debit card and everything down. What's going on with you? Oh? Tom? I was just turning your screener that I'm a nurse in pueblovel and I have had probably six or seven patients report the same thing. Now, how is that happening? Mark? Six or seven people? Just and how do you know them? Down? I'm a nurse, A nurse, Okay. I kind of didn't believe it, you know, I was like, Okay, sure, maybe they're making it a

story. But then as more and more people came in and it seems to always be a seven eleven. How okay, here's what I want to know. Do you have any idea how it's happening? Did you talk did anyone tell you they found out? Well, they said that they find out when they go to use the card and there's no money on it. I wonder if these people, if it's a seven eleven that these people went to to get cash or something. I don't know how it's app card works. If

you can use it for anything, can you get cash or whatever? Is it the same maybe that same seven eleven. If you went to a seven eleven with that card and then that seven eleven it was drained at that seven eleven, then we got a scanner problem. But putting skimmers on I did that could happen. I didn't know what could happen with the pin number. I knew they could skim cards, clone cards when they're skimmed with a skimmer. I did not know when you punch in a pin number that could be

captured. But I'm being told they how can the whole keyboard? You see A far guy in our credit card processing company he things for that. Uh see. So these people aren't crazy, and it's not that they're reckless. Somebody is hacking snap cards, which is just a visa or a MasterCard, like Mark said, ATMs, gas pumps, other things, point of sale terminals. They can put a false front or a false skimmer on there,

and it captures the card number and the pin numbers. I don't know how people are getting pin numbers, and so I'm going to ask how are people getting pin numbers? Typing skimmers credit cards? But okay, but okay, mark picture picture a machine the skimmer you can put in that little slot. What do you do to capture the keys? The punching in of the keys, whatever is coded that they attached to that the skimmer captures it. Oh, though I have no idea at that part. I don't I don't understand

the technology. We're gonna We're gonna find out man. Okay three oh three seven 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. In comparison, call this 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. Hey, I'm Tom Martine. You're troubleshooter three O three seven one three talk. We got a comment from JR. About snap cards. Go ahead, Jr. What's going on? Tom? What's going on? I just thought i'd call

in. I'd work. I can't tell you. Of course, when I work for a major retailer, and major and on our gas pumps, we have security the security tags for that purpose. But it is so easy to scale cars. It's not even funny. Well, okay, hold on a secon and I mean this. I don't want people to break the law. Obviously I fight against it my whole life. But really, truly, jar, where do people buy scanners? Come on, we hear about these scanners. So here's what I'm just trying to tell you, Tommy. But you

asked the question here. It is it happens all the time. Thank god, we're preventative on that, and it doesn't happen anymore to us. But is there's a little little piece that goes down the bottom of the of the credit card leader you don't even see it, and they slide the card in and that person is a block away or not even a block away in the same parking lot and when you slide, Well, where do you find these scanners? Oh, I don't know. I have no idea. Yeah,

and that's what I mean. I wonder if a lot of its urban legend. I know, I know there are scanners. Oh, but I don't

think. But how can I know someone that used to buy card readers for direct TV and clone those cards all the time, and he would get all of that stuff out of Canada. Now, Mark, by the time, by the time you get your card, guys, and you wake up out of bed and your card's been loaded that night, and the government self Security, disability, whatever it may be, the new cards they're handing out federally, your money has been taken out. It's that quick and that easy.

And they've changed the pin number. I get you man, thank you. Now have you these skimmers like, for example, the one that was supposedly in Walmart, the whole unit was foult phony. How the hell did they install it? Well, I don't know, but they did. I know a couple things about that one story because I saw some of the video on it. One of them was panhandling or acting like a panhandler right in front of Walmart, and it turned out they were part of the installation. They

probably did it right during the day. Oh it probably leaned right over that thing and knew what they were doing or pretended to be a service. But they literally sat there and watched it. They had the two guys, I think one was a woman watching what was going on at the register. They put the skimmer on for about three or four hours, so they knew when to capture in. Khalib and Paul, hang on, please, we'll be back with you 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. Leave 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 ripped so you don't have come run inciousness

as we can. Shooter's gonna help come is the Troubleshooter Show. No Tom Martinez, Hi Tom Martino here at three h three seven one three talk seven one three eight two five five. Oh my goodness, I hit a nerve and I said, snap cards being cloned? How are they getting pin numbers? And I'm finding that they sell skimmers that capture your pin when you punch it. And I'm not sure how Caleb, go ahead, what do you

what do you have to say? Caleb? Yeah, so, I just wanted to kind of give an idea of how that works since I've seen some of these different machines and teardowns online. The skimmers the capture the pin numbers, They basically have a pin pad sticker that goes over the pin pad and it looks almost identical to the pin pad. So when you punch it in, there a little cable running out the back of the sticker to the capture of skimmer device, and that allows them to capture the pin pad as well

as the card. My god, And where do you buy stuff like this? I think most of it's probably just homemade. I mean, those of these skimmers, if you look at the teardowns, it's just off the shelf parts. Yeah. So, you see a pin pad with a little cable coming out the back of it, probably don't use that one. This is the most more common on like ATM machines, right because then you have debit cards go through there. That is so amazing. Thank you for your information.

And uh Stan, oh he's not there anymore. Somebody was on the line and said they were an expert at cards skimming. If you can call back, San, I don't see you there anymore. Three oho three seven one three talks seven one three eight two five five Caleb. Thank you for your call. And we have Paul as a comment on Lexus Nexus. Go ahead, Paul, oh, let me see, let me do this for you. There you go, Paul, Sorry my fault. Go ahead, Paul. That's all right. As many of your listeners have recently heard,

automobile manufacturers uh collect lots of data about your driving, et cetera. And so that information to lectis snacks to send some other organizations as well as use it appropriately for internal providing the services that you want that you've asked for in your car itself or your GPS and things of that nature that you're using. So that part is fine. So I started, I've opted out for as much as I can with my manufacturer of the newer vehicles that I have.

And how do you how do you opt out? I didn't even know you could. Oh yeah, well I did it with my Subaru. There's a form online that you could opt out as well as delete all the information, and then they give you the copy of all the information that they had collected, so you know where that information was shared. So that's what I know for a fact from Subre I should be getting my data in about thirty more days. They get about forty five days to complete that process. And then

I did the same with Lexus and Nexus. Now as you know, so so Subaru as one of the other manufacturers, we're selling it to Lexus and Axus using it internally, but also selling it to other organizations data collectors wherever they could sell it. They we could sell it and make some money off of your personal data and habits insurance companies directly. All right, I'm picking up what you're laying down. But where are we going with it? Well,

I just just now finished my submission to Lexus Nexus. So you could either do a security freeze, that's freeze your whole Lexus Nexus files, so they can't distribute I mean, just like just like with credit files, you can freeze your Lexus Nexus. Yes, but I did something better than that for me. Any wait a minute, I never heard of this before. I just heard about it this mor and I just completed the process and it's a big dail. It takes to thirty seconds to complete online and then they

send you via mail. And if you don't, so are you telling me that if you don't opt out, what happens? They're free to provide that information to any client they have, whether it be insurance companies, and they get the information from auto manufacturers as well as all kinds of other I mean, Lexus Nexus, as you know, is a huge database collector, you know, creat Yeah, but I thought Lexus Nexus gathered public information, meaning

they could share it with anyone. That they do more than that. But listen, I not only I didn't bother with the security freeze from Lexus, next I opted out, so they can no longer collect any of that information, share that information, I should say, and they are required to delete my entire information they have Wait, I just I don't even know what to say about that. So if you've been to court and Douglas County, and you got arrested for someone or had a lawsuit, I could no longer look

you up. Are you saying you lexus through lexus Nexus? No? Through, But that's public information? How can you possibly put a block on it? Lexus Nexus is a private database, Yes, but it's a private database of public information. Well that's fine that that source of that public information is no longer available. You can get that information elsewhere. So I specifically called

lexis next. I not only completed the process just a moment ago before I called you, but I had called Lesus Nexus spoke to someone and asked about that. Not that I'm hiding anything I've been, I understand that, but yours. But I said, Ray, Ray, you don't have to repeat it, because I do know what you're saying. You're saying, lexus Nexus, this huge database, which why the way not has all kinds of information from the courts. I don't see how you, as an individual can tell

them they can't use that public information. It's public information. They can't share it. Well, okay, well they can't. They can't share it. But who said but you? For example, Ray, if I wanted to look up every court document on you and I wanted to go on the radio and share that. Do you know there is nothing you can do about that? Yeah? Because it's public information, right. So that's what I'm asking. Why would lexus nexus allow people to freeze a file that is free to

publish because it's state law. There's a state law that says that lexus in Colorado. When you go up to every state is slightly different, I'm guessing that most of them are fairly similar. Colorado allows me to not only freeze, delete, and opt out. So when you put in your address and they identify it from Colorado, another section pops up and the mark do you believe this? I believe you can opt out of some of the information. I just don't. He says a state law. But they must freeze,

delete, or opt out upon requests. So can I opt out of my clue report? So my insurance company can't report anything? Is that cool to you? Man? Listen? So I'm asking, I'm asking you it's generated my claim history is Lexus Nexus. I asked specifically about insurance companies and courts, and what I was told was that, for instance, if for Colorado

obviously maintains their own database criminal and civil rights. Yeah, Colorado courts keep going right right, Okay, but if they wanted to use, as some courts do, Lexus and Nexus as a means to search a record of an individual in another state, if they were to use Lexus Nexus, they couldn't access That is what I was told. Okay, I don't believe it. Okay, now, I'm not calling Ray. Ray. I believe you believe it, but I don't believe it. So well, I'm telling you what

I was told. I'm kidding it. I want to know that everybuddy in the state of Colorado right now should get rid of their report through Lexus Nexus if they've had a hail claim or any you know, I'm serious. Ray, I'm not kidding auto claim Stop. I'm not kidding when I say this. This is If it's true, you have dropped up. I keep calling you, Ray, damn it. It's Paul raised the next guy. Paul. I just want to say this because I know you've called before, and

you're not a nut and you have a lot of good information. I recognize your voice. But here's what I want to know or tell you. If this is true, this is probably one This is probably one of the biggest pieces of information on this show ever. That's true, but I don't think it is true. I want to know the number you called. I called one way. I did you get it? I got it? Okay, hold on, bro, just hold on and when he gets the number, get it to me. Okay. I can't wait any longer. Three all

three seven one three talks seven one three eight two five five. Hey, Stan, I got to take a break. But are you an expert on cards skimming? He's our expert. He's with our company. That sounds funny. He's our expert on card skim He's on our he's with our company. Yes, okay, Stan, I'm sorry I didn't realize that's who you were. Listen, man, can you hold for a minute because we want to talk to you about these skimmers. I'd be happy to thank you, sir.

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 three all three seven one three talks seven one three eight two five five. Stan, by the way, is with Saving on Fees dot Com merchants? First, it's the company Mark and I did to do credit card processing the right way for merchants. So if I'm going to plug ourselves, what it is is we save people money no matter what. And it's no long term agreement and

no charge for equipment. Right yeah, Saving on Fees dot Com has all the infos Saving on Fees dot Com And and this is our guy, Stan. How many years have we been doing this? Have we been doing it for many years now? We've been doing it for about three years? Yeah, by the way, in fact, this is a little separate. And then we'll dig into the card skimmers, but they now we'll have Stan just real quick. Let me bring them options now for zero fees, right,

zero zero fees, right, zero fews? Yeah? Yeah, So I mean it's crazy. I mean it's crazy, but go ahead ask. We make our money elsewhere, but we get zero fees and we get free equipment and no long term contracts. Yeah, but what happens is, honestly, what happens is the person I know paying is the one that pays the fees. Of course, obviously it's built in. So now here's what I want to know, Stan, card skimmers. What do you know about him saying

you're in the business. Of course, you're our guy, you're our boss man. As far as doing the company, How do skimmers work? Although of course we're not encouraging skimmers. How do they work? Well? Typically, skimmers are device put onto a credit card machine. A big problem is when you go pay at the pump, there's a device put on there that takes the credit card. Instead of going directly into the pat the pump, it hits the skimmer first. So the big problem today is consumers need to

be very aware of what they're doing. And so if you see a purfle device put onto a credit card machine, that's typically going to be a skimmer, well, how would you know? And Stan help us out though, how and maybe we can look it up on YouTube and stuff, But how do you know when you go to a skimmer, are they are they in the slot that you scan the card. Yeah, they're put on the outside of the slot typically where the card goes in, so you hit the skimmer

before you hit the extra credit card device. But it also it also does trigger for gasoline, so you get your gas, but you also get skimmed. Now do they also have devices to capture chip cards or are they ultimately safe right now? Can you clone it yet? Can you? Just like they use smart skimmers for chips, not today, No, because you have to put your pin in, So the only way to do a debit card transaction is still to put your pin in. But if they run their debit

card as a regular credit card, yes they can, Okay. The problem is consumers need to be aware who and where they're given their card to. A lot of times, when you give your card to somebody and they walk away with your card, they can touch that card next to a skimmer and capture the information. So number one is always keep your card at your person. Like when you go to a restaurant today, they give you the credit card to put your credit card in, not giving up your credit card.

They okay, they also have key pads, right, they also have key pads they put over the keypad for capturing Yep, the problem our email or had stand listen to this. It's one of those Snap cards that's given out by the FEDS or the state of Colorado, and they always have to put a pin number in. So the card showed up apparently it had four hundred bucks on it and it wouldn't work for so she finally reached out to Snap or Colorado or whomever, and it looked like someone went to a seven eleven

and used all four hundred dollars of it and had her pin. So we're trying to figure out how would they have gotten without having the card in hand but having the pin How did they do that? Shah I would say they had to give the pin number to somebody that used that card. Well, actually, actually, here's another way. I'm looking online, and if they went to a seven eleven or somewhere that had one of these devices on it.

They're so cleverly disguised as a keyboard that you you actually do you type the real when you have to put in your zip and all on your own pin. But it also captures it on top. But didn't you say that email or had possession of the card? No? I What I said was they Well no, I said he cloned the card. They don't know. They don't actually know. All they know is the money was gone. No, no, No. What I'm saying is did they have a card?

The person that emailed Okay, the person that emailed this has their card, That's what I'm saying. And it was never used before. And there were supposed to be foreigner bucks on it. Well, they had a card, but who set the pin then, is what I'm saying. Okay, that card was in their possession a long time. They've gotten payments every month on that card. Right, So on the day they were supposed to get the payment, which was today, when the card gets reloaded, yeah, I

get you. As soon as the card was reloaded, somebody swiped it and not swiped it. Somebody stole the money out. We don't know if the person who stole the money actually had a card. I mean, we don't know how they did it. Here's the deal. All we know is that they did. Yeah. And then but I've looked now on YouTube and then hold on, stand one more thing though, When people do have money stolen or they use it with the pin. I have never heard of a chargeback

being successful because they had the pin. Is that correct? Yes? And it's very hard on a snap card or a debit card to get a charge back first Yeah, some credit card, yes, but on a debit or snap no. Yeah. And by the way, on this, on this one device, there's an overlay that is so clever. And they overlay the keyboard with another light keyboard along with the skimmer. It's an amazing process. And they must make them just for specific machines because they fit like a glove

over that particular machine. Yes, scanning is an art today and it's becoming more and more advanced every day. That's why what we need is we need to start doing fingerprints and chips and that's it. That's coming. I bet that's a good one, actually, fingerprints like they do you know, although I saw you know they clicked the guy's thumb off and then just used it. If you have that much money, no, but you know how Clear uses a fingerprint. That's all they need, a fingerprint and a chip or

eyeballs. Yeah, Clear does eyeballs. Hey, Stan, if someone out there is sick of paying all the high fees. What numbers should they call to reach out to you? Man, I'm gonna give you my personal cell number. Nice out three okay nine eight six nine three, and we will help anybody and everybody. I'm saving money on their page. It's saving on fees dot com. And here's the number saving on fees dot com. If you're in business, we it's Mark and I own this. We will process

your card. We had one, the biggest one I can think of. They do about two or three million a year. I'm not going to say the name of the big We saved them about seventy five thousand dollars a year. Yeah, so Mark, I don't know if you guys on the solar business. Uh oh pro tickets, but you probably don't take credit cards now probably not. Yeah, but anyway, Saving on fees dot com three oh three nine one six eighty six ninety three. Hey, thank you Stam for

being thanks man, We appreciate it. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're contents. 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. Hey, I coom Martino, you are troubleshooter three all three seven on three talks seven on three eight two five five. Frank rand the real estate Man,

don't forget. You can call him for a free analysis of your home what it will sell for on the market with his expertise of thirty years, and he'll tell you and then he'll do a detailed analysis to let you know what you can't even buy with the proceeds if you want. That's Frank Duran. Never holds you to a long term contract, no obligation for this analysis. Frank Duran, the real estate Man dot Com threeh three nine two zero sixteen twenty two. All right, now I want to continue, and we

have Ray now, and Ray wants to comment. We were talking earlier about a law in New York that actually says if you submit false information with the intent to defraud. It says it must be an intent to defraud and then you submit false information or utter it in a statement to a bank or to a lender in order to get you know, a loan, or that you exaggerate your ability to repay. Blah blah blah. I'm not reading it for

Vetim, obviously, but this would be a crime in New York. And uh, that's what they got Trump on, even though the bank said, hey, we didn't think he defrauded us, and we didn't think the loans were bad, and he repaid them all and no one got hurt. So I made a comment on this saying, even if you hate Trump, you got to see the danger in laws like this because they're so subjective. What do you have to say about that? Ray? You know, Tom,

consider this his CPAs disavowed twenty years of financial statements. Look at the issues of the financial statements. Eleven thousand square foot triples repeatedly reported as thirty three thousand, forty one after no, no go ahead ry forty Wall Street. He owns the leasehole to forty Wall Street. And then there was the estate. I think it's seven springs. It hasn't an yet. He was declaring the full value your CPA's. Wouldn't let you do that? Shame on the

present? No, no, wait a minute, how much? How much? No, I want those specifics you gave now, So what when he put that on his financial statement? Let let's follow this through. Was it with an intent to defraud? Well, the thought so they disavowed the statements. No, wait a minute, wait a minute. But was it with in other words, the loans he was getting. The loans he got. Okay, the loans, they were good loans on loan to value and appraisals

that no one's disputing. In other words, the loan itself. Oh, they were disputed. They were disputed. No, they weren't. They were not disped the loans. Well, first of all, the law does not apply the law hold on. The law does not apply tourney general. The law does not apply to the appraisals. The appraisals are done by third parties, by the lender themselves, elves. They would have to arrest the lender for exaggerating the price in order to give someone along and both of you were

at this point. There's a strange assumption that Trump himself put together these financials that's not true. And but but his organization, I guess if he signed. But he did sign them. But you could make the argument, as they do with the irs and innocent spouses, that there was no intent to defraud. But I'm not going to make that argument. I'm going to go

with you. Ray. What I'm saying is, even if those properties you mentioned were exaggerated in value, and that and the actual loans, however, were legit LTVs loan to value ratios, and each and every loan was paid back, and each and every loan had a normal interest rate, and the banks are happy, fat and happy. How I want to ask you, truly, and I mean this, Ray, with all due respect, I really mean this. Who got harmed by that? But here's what here's Ray,

can you please answer who got harmed by that? Here's these and correct LTVs. He got the benefit of lower interest. That's not what the bank said, and testified to the bank said he did not. We got our money back. W They said they were good loans. But were the people? This was the people He watches his MSNBC. Hold on one side. Ray, that's not me talking. Ray. Listen, here's what I want to ask you. It was the people of New York versus Donald Trump.

What I want to know is, how are the people in New York harmed by this? And where was the intent to defraud? Who lost the dime? Because I couldn't. I couldn't go out and do that as little who was hurt by this? Ray? The people of New York versus Donald Trump over over his personal financial statement for loans that were paid back, one where the banks themselves said, we were not defrauded. We got a normal interest rate, and the loan to value ratios we did not dispute. They were

done by third party appraisers. So what I want to know is, truly, I mean this Ray, who truly got hurt? Did you? Did any New Yorker lose a dime? Did any New Yorker lose a dime from this? The Attorney General set? Let her answer? Mark, go ahead, answer, Let go ahead, Ray. The Attorney General set by using those made up LTVs, she got a benefit that you and I right. Ray? Listen, Ray, listen, you keep saying made up LTVs. Okay, do you know what LTV is? You're talking to a squirrel.

LTV means loan to value. Do you understand that this lawsuit had nothing to do with loan to values. It had to do with financial statements. And the loan to values are not set by the borrower. They're set by a third party appraiser sent by the bank. The bank is the one that sets the loan to value, not the borrower. You have it wrong, Ray, Ray, that's what attorney. You have it wrong about the financial statement. It's about the financial statement. It's about the financial statements. Listen,

Ray, no one got hurt. My god, see, this truly is Trump derangement. It's incredible. I'm glad you got to experience. No, it truly is, because no one got hurt and we didn't even get into the punishment of four hundred and eighty million dollars. I'm not going to ask. Here's what she's gonna say the the guy. He's what she said. Her entire justification was that we could not do that. Her entire justification is MSNBC. Ray, your entire premise is wrong. Loan to value is not

set by Donald Trump. It's not. It's set by the bank and third party appraisers. The appraisers don't even work for the bank. She doesn't get it, has nothing to do at that time, you would explain, but I promise you right, I would let you talk. I know, Mark kept interrupting there because she has nothing to say that makes any sense. So I agree with you. I agree with you on that you're gonna let a

guy call up and talk about bananas and strawberries for an hour. Here's what I like to do, Mark, I like them to complete a sentence and then I'll decide if they have You're good at letting them let their own rope out so they can hang themselves a little further. You kind of upset because she's a moron. You anticipated or tried to anticipate what she was gonna say, and you were right, But I don't. What I want to do is make sure I'm hearing what I'm hearing, and then I decide what it

is. In this case, it's she just has it wrong, one wrong, but you could never convince her. Do you understand? I gotta say this. I I take Polo takes out of it completely. I wouldn't be friends with Donald Trump because he's not my type. I just don't like. Look, this has nothing to do with pologics. I don't like his personality and stuff. Okay, I just don't like him. But but that, but he was, he's done wrong, part of the Trump syndrome within itself.

No, it isn't. Mark, I don't like him anybody. If I said many of people I don't like, I'm gonna tell you this, regardless apologists. I don't like him. I don't like Biden. I do like Obama. I think he was. I like Bill Clinton. I mean I'm talking about if I was just on the surf, Tom, if you were kids, I like everybody, the Russia, Russia and some some hooker over in Russia you were peeing on, and all this bs from the Hillary

campaign back in sixteen. Then it goes into the entire FBI, the CIA, everybody going against him, dealing with the guy named Fauncy, the news kicking him in the balls every day. You'd have a bad attitude too. No, I see what you're saying. The argument is what Mark is saying is they brought it out. They brought it out. What else is he supposed to do? But we've never how many indictments, ninety one indictments, It's never happened before. No, I, Mark, I totally agree with

you that they are attacking him beyond compare. But that's why he's an ass. But here's what I want to tell you. The very first night he won at the Republican at the Republican headquarters, when he won the election and he went up to the podium, he could have been so conciliatory, he could have been so magnanimous. He could have been but they attacked him like never before. It's never happened. Came first the chicken or the egg? Was he an a hole before or did he become an a hole because he

had question? And I say the chicken came after the egg. Yeah, well, anyway, I'd like to know what people think, but I also want your problems, question complaints, of course. And by the way, this is kind of weird that that we're discussing this, because I'll tell you why, whatever happens in New York or whatever happens to California usually happens in New York or usually happens to California. In other words, it usually goes from California to New York, then US and then US or or US.

I mean, did you hear Governor Polis Loves would love nothing more than for us to be called California or Colorado. We are truly, truly a clone of everything that's done there. They eventually bring here. And here's what I'm afraid of. If you want to stifle economics, then you start controlling things that don't need controlling. Financial statements. If I want to borrow money from someone and they ask for a statement for me, they can They can dispute

what I put down there. They may know that car me and this goes to cars and everything artwork. If they're not asking for appraisals on a financial statement, do you understand that they're asking for opinions they are not requiring. It doesn't even say what exactly is this worth. And when it comes to the other part, the loan to values, those are established by a third party and the lender decides what LTV to do based on value from a third

party. Those are the facts. There is nothing to justify what happened. 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. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three o three seven to seven to one help.

You'll think you're his only customer 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 your trouble Shooter three three seven one three talk three oh three seven one three eight two five five So I did. I did look it up on Google and some other places. The lawsuit was about exaggerating his wealth, inflating his wealth and had nothing nothing to do, nothing to do with

loan to value ratios or bad loans. Nothing. They weren't saying that he exaggerated the value of buildings to get loans. That I could see, Like, let's say you paid off an appraiser or your goosed an appraiser to get a higher value to get a higher loan, That to me would be fraud. But to do this, to say that you exaggerated your wealth and therefore you should pay a fine, if there was no victim there whatsoever, none, zero, zippo. I don't care what you say. There's no victim.

There's no victim, and there's no intent to de fraud because if there was an intent to defraud, where's the fraud? Where is it? Where is it? Where was the fraud? If you have an intent to defraud, shouldn't there be a fraud? If you have an intent to commit murder, but do not commit murder and you you're just thinking about it, it's not a crime yet, is it unless you do it. Now, if you do it, you can't say it was a mistake, it was involuntary

manslaughter or something, because you had the intent. So it becomes first degree murder by fraud. You have to have an intent to defraud. But otherwise you still can be guilty. But it's not an intent, it wouldn't be a crime, it would be something else here here, this is no intent

because no one was defrauded and there is absolutely no victim. So but but if your last name is Biden, and you love blow and you love hookers, and you love videotaping yourself doing blow and doing hookers and kicking money to the big guy, whoever that is, and it's all on video, you have not done anything wrong whatsoever. Well, Joe has a question on tile Joe. Joe, Hi, hey man, I'm wondering if you can wait now your question on tyle is this something you're doing or something you did something

I want to do? Okay, hold on, We'll give you some good advice. We have great tile people. I'm Tom Martinez three o three seven to one three Talks seven 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 contenth 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 you needed, That's who you don't have. Come running just as fast as we can. Shooter's gonna help. Come man, this is the Chabo Shooter Show. No tell me Martin, I are we using Hi? Tom Martino here three oh three seven one three Talks seven one three eight two

five five. Welcome to the show. Yeah, we're just talking behind the scenes, and then I get like out of sync and think I'm home in the nursing home or whatever. Anyway, welcome to the show. We're here to help you solve your problems. Answer your question. Day complied. I'm gonna I'm gonna go right to Courtney. He goes, Right now, things are closing on that auction. If you love auctions, go to rollerauction dot com right and then when you go there, look for buy and build kitchen

in Bath. That's an auction. It ended. The first item closed at one. And then he's gonna explain what happens and how you can get screaming deals because there are still some items that have no bids. If you go in there, you can get it for anything. There is no reserve, Courtney. So things are closing. How is it going, Well, it's going okay. Certain things are doing okay, and certain things are going really really below price, and there's some really really good deals to be had.

Right now, we're on shower faces that are closing for you know, twenty dollars for a tub and shower faucet. Oh my god, those faucets sets are beautiful too. And then you have seek good deals right now. Vessel sinks, and I saw some vessel sinks in I saw some vessel sinks that you buy for three four hundred going for twenty and thirty bucks. Yeah.

Absolutely, they're still there, sitting there. I'm looking at a couple of them right now under under seventy five dollars anywhere one at sixty, one at fifty five, and on the next page, I think there's some at twenty dollars, and they'll all be closing. And then when right before it closes, what happens if you bid like a few bucks higher? What happened? Yeah, if you if you bid within two minutes of closing, it goes

into extended bidding for two additional minutes from when you bid. So that's exciting. Thirty seconds left, the other person gets two minutes to Can you watch Can you watch as people do that? Yeah, that's actually what I'm doing right now, kind of watching. Can you watch the battle? Can you watch the bids actually coming in? Yeah? In fact, somebody just bid on one of the vanities right now, and so it went back up. The timer went back up to two minutes, so that timer is actually ahead

of the item. I see it. It's like four three two oh cool cool, and you can kind of see it flash when somebody places a bit on it. And so you're gonna get screwed on some of this stuff, Courtney. I mean, I'm looking at stuff and that's like fifty bucks for a full kitchen cabinet. I know it, I know it. I can't believe it. One guy bragged one time. I think he can on real quick and get those bids, inc I know a guy not to know.

A guy he called the show got a kitchen full of his whole kitchen for like three or four hundred bucks, and he did at the last minute. I know you're not happy about that, Courtney, but my listeners are, by the way, buy and build kitchen and bath five sixty South Lapad And trust me, when they're not on the auction, you still get great deals. And it's a buy and build dot net. But go to roller auction dot com right now. If I look at something, I'm looking at this

lot four fifty five. Is it multiple undermount sinks or is it one? Courtney, Well, I think it's a multiple course. That's what's crazy. So for seventeen dollars, I mean this would only be for a contractor that one's only that's only one cent fifty. Hold on, he's gonna look. I know that is it is two saints. I think now that's a oh, it's one double sink, one double cent. It's a kitchen sink. I see, but it's eighteen or seventeen dollars. Yeah, what kind of

sink is that? Mark? Is that stainless? It's just a big stainless steel kitchens, a double like you'd find in almost every house. Seventeen bucks? How much is that? It? Like a home? Ta bu fifty two hundred and fifty three hundred bucks on depot and you can get it right now for question twenty dollars less than twenty bucks rollerauction dot com. Right, Courtney, thanks a lot, man, I appreciate it. We love being part of it. Joe has a question on tile Joe, what is your

question on tile time? I just want to try and pivot from LTV to LVT. If we can LVT, let's get a let's get Buddy Mitchell. Yeah, we'll get Buddy Mitchell on from simply floors. But what's your question? Now? You're talking about luxury vinyl planking LB right, yeah, yeah, exactly. And I'm looking at lambinet tiles. I'm looking at LVT's and I'm wondering what what do I have to look at? I know with the with the lambinate tiles, you look at the thickness of the lamazon top.

Is there a similar number that I want to look at with? Well, LVT LVT technically LVT is kind of a laminate, you know what I'm saying. So I don't know what you're how you're making. I think you got to look more environment. Are you talking about super dominates? Right, You're talking about a wood laminate over LVT? Right, Well, they have the like the Pergo floors that are a picture of wood. That's right, that's right. I think it's environment. You want waterproof? Do you want scratch

proof because you have dogs? I think it's not necessarily the thickness, but the environment. Yeah, let's ask buddy. We'll get Buddy on. He's on right now. Hold on, let's just talk to him. He's our expert. Buddy. I know that we asked this a million times, but we have so many listeners tuning in and out. Explain what a laminate floor is. It's a wood core with a piece of paper on it and a finish on top of that. And the paper looks like wood, right,

looks like wood or whatever, tile or whatever. So okay, So it's a core, a wood core with a paper on top of it, with a finish to keep that paper on there, and it looks like whatever you want it to look like. That is called a laminate. Now, what is an engineered floor? That is usually plywood with a solid piece of real wood as the top. So that's why. So there's engineered floors, there are laminate floors. There are solid hardwood floors. And then explain to him

what LVP is. LVP in its as it's known today, is an engineered vinyl it's it's it's it's seat vinyl that they've engineered to go together like a laminate or an engineered floor. Now, does the LVP out of plastic? Yeah, it's made out of plastic. LVP stands for Luxury vinyl plank, right or luxury vinyl tile. The only difference between the two is one looks like tile and the other looks like wood. Okay. Now, on the on the l VP or LVT is the top finish a picture or is it

plastic or is it paper? What is it? It's paper? Oh it is okay, Yeah, it's the same thing as laminate, okay, except the core. The core is made out of plastic in stone or plastic in wood. WPC stands for wood polymer core. SPC stands for stone polymer core. What do you like better? What do you like better? Stone polymer or the wood polymer or the or the accuse me, plastic or the stone or the engineered floor or excuse me or the laminate floor? What do you

like better? Well, it depends on what the homeowner is looking for. If they're looking for water water protection, LVP is better at that. Okay. It is not waterproof, that's a lie. It's waterproof topically, so if you mop your floor with with a lot of water, it won't get damaged. High end lamin it like redwood or restoration collection from Mannington. Those are now topically waterproof. They used to not be. They fix that. And you know, if I were going to put in a floor in my

house, I'd put lamine. You would over LVP. Now what about engineer floor? Why wouldn't you put an engineered flooring? I have that in my house. That's what I put in, but it's not nearly as durable as lamin. Wow. Okay, So Joe, do you have a specific question for him on this? Well, I'm seeing a lot of price difference between different styles or different types of planking, and I'm wondering how I determine it, you know, should I pay more? Should I pay less? Are

they all the same? What do I look for in the in the specifications on the on the stuff. Well, buddy, what do you think I'm gonna I'm gonna really, you pay what you get for. Yeah, get what you pay for, that's right. Okay, I'd say a good bang for the bucks at Proximity Mills. What do you think of that stuff? Buddy? Oh, that's really good. Yeah. Let me just say this

to you. Okay, if you want an engineered floor, and you want a really good engineered floor, you're going to spend seven to twelve dollars a square foot. It is what the benefit of real wood or engineered wood? Which engineered wood is real wood? Yeah? Is? Every plank is different. When you put it down, it looks like a million dollar floor and a million dollar house. Okay, if you go down to the bule mansion estates right down here in Denver, where like Broncos live right and you go

into those houses, those floors have wide wood floors. Every plank is different. Everything about him is beautiful and luxury. Okay. The problem with him is if you have a sixty five pound Golden Retriever or one hundred pound Golden Retriever or a Watte Riler and he runs across your floor, you're gonna get

grooves in your floor where his nail dig into it. Okay, you can get really really close looks wise with a laminate laminate when you put it down there, it's really hard to tell the difference between a good quality laminate and an engineered floor. Where you're gonna see the difference is in the pattern repeat, okay, meaning a piece of laminate about every sixth or eighth board is

going to be pretty much identical. And so if you're if you're sensitive to that, you're going to see that same exact thing with laminate laminate about or LVP LVP about six or eight boards. LVP has a couple of benefits cost wise, laminate and engineered world. It has to go down on the original floor, meaning your plywood subfloor or your concrete. LVP can go over nailed down wood. So if you have an older house and you're going to put down and you have wood in there, like you know, two and a

quarter inch red oak, you can put a thin LVP. LVP is really thin, but the stone core stuff doesn't dent. It's really really durable. When you go durability, you go porcelain tile, then you go lamb in it, then you go LVP, then you go engineered wood. Engineered wood is what you know. Like I own a flooring store and my wife wanted the most beautiful floors you could put in, and that was an engineered wood

floor. It was also kind of dumb for us because we have two golden retrievers that weigh about seventy pounds and when they run across our floor, they mark it up. So we have little area rugs everywhere to prevent that. If we would have put in a laminate floor, would say, oh, that's cheaper, and it is. It's a lot cheaper, but you can get almost the same look out of a laminate floor as you do engineered wood

or real wood. All right now, and LVP elvid in LVP buddy buddy, I'm going to tell you something, or go ahead, sorry, Joe. Gone, is the Laminate war slippery for dogs now in particular than the final? No, it's about the same, okay. So yeah, but I'm going to tell you you need to spend on whether you go LVP lamb in it. There's been a race to the bottom, okay. And when you which I mean is LVP came out on the market, it was Cortech

they invented the stuff, or they actually they were the first. Cortech was the first company to introduce engineered LVP in the United States. And when it came out it was about five bucks a square foot, okay, right between two than and ten and twenty and twenty four. The price they've got it down to where you can buy it for two twenty five now preson twenty five. Stuff is junk now, Buddy, I got I got to take a break. But here's what I'm gonna tell them. Man, I don't know

why it's not obvious to him, Joe. What am I going to tell you next? Go to simply floors, go to cyth No, No, that well, that auction there. I don't know if they have any of those floors, But here's what I wanted to tell you. No, no, there's nothing wrong with that roller auction dot com. They're closing right now. But here's what I want to tell you, Simplyfloorsinc. Dot Com.

Buddy and Caring. There's no one better. There's really, honest to god, no one better than Buddy and Karen, simply for saying, hey, Buddy, one quick question. Okay, I know a few weeks ago you were down. You had to cancel your hear because of your voice and your thru I can still hear it. Are you still sick, bro? Yeah, it's been three weeks and I went to the doctor yesterday and they're gonna get me some steroids to get rid of this holy crap scratchiness. Yeah.

There's two people in my office got it too, and they took anti buyouts and everything, and nothing helped until they took steroids. My god, I because when you were sick and then I still heard it today, I thought it cannot possibly be well. I got to tell you, eyak, thank you, buddy. Simply floorsink dot com. Hey, I'm Tom Martinez. You're troubleshooter. Three oh three seven one three talk oh seven one, three, eight, two, five, five. Welcome, let's talk. We

have Richard. He's a frequent texter. To me. You have a question, Go ahead, Richard. What's going on? Tom? I've got that roller auction website open. Tell me how to get over to buy and build? Okay, if you're at if you're at rollerauction dot com that it was on the front page and it should be. Let me just find it. Okay. What I see are five categories. No, if you go to okay, let me look at it right now, rollerauction dot Com. And I may have to uh and and if you go on there, you see

damn it. I just want to try. Okay, let me look at it here. Buy and build is the very first frame, the very first one, buy and build. If you're at rollerauction dot com, R O L L E R do you see buy and build? No, roller Auction dot come forward slash. That's the homepage. I see Colorado's premiere online and five categories. I okay, you got to move down, move down below that and it says auction upcoming upcoming right, that's right. Then over to

the left the first one, buy and build. See it all just see oh yeah, yeah, yeah, I see it, Tom, Thank you. Then go to the bottom and hit the hit bidding available right now? Hit that. Did you see the stretch Armstrong like hot No, they're toys. They're like stretch Armstrong, but they're hot dogs and buns. Oh my god. Anyway, Keith, what's going on with you? Keith? Welcome to the show. I'm Tom Martinez. What's happening? Hey? Tom? I have a question. I have a friend who had a car repossessed,

and I am wondering, is there any legal requirements then to notify? No? No, no, they don't notify. Of course they don't notify you. That's the whole idea of a repossess it. It's all in the agreement. Now. They have to have a promisory note they have to have which is a loan and a security agreement under the rules and procedures of the UCC,

and then they have to have well that's it. And then usually what's what's worse about a repossession is they can accelerate the loan if you want to get it back, then they can choose in most loans to make you pay it in full and not just their rearage. To bring it up to date. Now, if they did not break the rules in the contract and they were up to date and they repossessed it, they might be able to get something done for sure. If it was repossessed and they did and they really

had paid, like a mistake, tell us your story. Well, I guess what I'm asking is not beforehand. But aren't they required to tell you if the car was repossessed after they repossessed it. No, Nope, because they sat there and they will eventually. They will eventually tell you they're going to sell it. They do do this. They do call up the police. I don't know if it's Colorado State Patroller of the county and they tell

them so if it gets reported stolen, it's not. Well, that's what happened is they reported the car stolen, but then on the day that it was supposed to go to auction, they said, if you don't come up with the money today, I'm like, you could have told them this forty eight hours, within twenty four to forty eight hours after you repossessed it, but you wait, hold on till the twelfth day. How they hold on? Are you saying that they held it for twelve days and the day before

the auction said you better pay or we're selling it. Yes, I'm not sure about that. I'm really not to be very honest with you. I'm not sure what the notification requirements are for redeeming that, for selling it. I'm really not for liquidating that. I think if it was a buy here, pay here, it could be contractual when you purchase the vehicle. No, no, but there are still there are still codes, the Universal Commercial Code. No matter what, you can't your contract can't supersede the UCC.

I just need to know. I need to figure this out and look in my past calls. I don't know after a repossession, I do not know if they have to notify you before they sell it or chuse me, how many days before the sale do they have to notify you. I don't know the answer, but we're going to find out. Hold on, I'm going to try to find out, all right, So don't go away at three o three, seven to one to three, talk Gene. What is your question? Gene? Oh hi, I have a question on a contract law.

My daughter had a contract for an event this summer and the event was canceled. But the contract includes service and consumers booths like plates in beverages as well as a gratuity and a damage deposit, and the contract was written such that she has to pay the entire infull No, wait a minute, Wait a minute. She had a contract with a venue to provide stuff, right, And what was going on at the time this event? What was it? She was engaged to be married and the engagement is off. Well oh

wait wait wait she was going to get married at this venue? Right the yes? Okay, And so it was a it was a wedding venue and she signed a contract for and in the contract they had to provide a bunch of stuff, which now they don't have to provide. And how long did she have By contract, they will specify what the liquid data damages are and usually you get you get less damages to pay the sooner you cancel. So how much time before the event did she cancel? About three and a half

months. Okay, so she about three and a half months before she canceled. What does the contract say in the event of cancelation? What does the contract say? It's worded such that it needs to be paid in full. It is it is worded that way that if now, if she canceled the day after she signed it, she wouldn't have had to pay in full, would she? Yes, yes, that doesn't make sense to me because they can mitigate that damage. But you're how long ago did she sign it?

How much? Like a year before the wedding or what? Oh? I think it was signed in February. In the event was in late June. So so okay, February March aprilm okay, Well that's not a lot of time, that's why. So there her contracts said that if she cancels at any time, she's going to pay the whole thing. Yes, Now you're saying that doesn't seem fair because they didn't have to provide anything, right, correct, Okay, I get your reasoning, and contracts do have to be

reasonable. However, you might lose this one. You really how much? How much is she going to have to owe? How much the deposit and what's the whole charge altogether? It's in the ball park of seven thousand. So did she put a deposit down? She did, and there was a payment schedule, so everything right. So she had about like eighteen hundred left, which they promptly built. So she thought she was going to get at least some of the money back. Right, This is very unfortunate because you

might lose this one. The contract would have to be considered unconscionable for you not to lose it, and I mean for you to ye to win. I don't know if it's unconscionable that three and a half months before a wedding venue they want to be paid in full. And I know you're making the argument that they had to supply certain things. Do you know the value of the hard goods they had to supply the venue itself was three thousand and the

rest would have been like tips in beverages and plates. Huh. I don't know. I really don't know on that one, because you can make the argument that they can sell those plates and beverages to mitigate damages. But I don't know. What you might want to do listen, is pay it okay, and then because by contract, you have to pay it, and then you may want to do a small claims core saying that you feel you should get some back. I don't know, not going to get all of it

back. At best, you would get back to plates and beverages in my opinion, But that's not a legal opinion. That's a logical opinion, but that doesn't always work. What do you think, Mark, do you think if she paid in full, she would go after them. Say, listen, you didn't have to give me the plates, and I get the tips and I get the venue, but I don't get the materials. I don't know what a giant said, man, I mean it's a it's a crapshoot.

Gene is a crapshoot, and no telling what would happen on this hey, on this repossession deal. Yeah, it's kind of interesting. So this is from an attorney's website in Colorado. Yeah, that's what I'm looking up at the same time. Go ahead, okay, let's take this break and get back. I want to know if they have to notify you before they sell the car. 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. Pay 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 Margino here. Okay, Jay wanted to know excuse me, Keith wanted to know

what goes on when they repossess the car and they sell it. They called them the day before and said, you can pay it off or we're going to sell it. And Keith wants to know, why didn't they notify this guy before they had it for twelve days? Mark? What does the law say there? It's interesting. So the first question I would have for him, do you know if that vehicle ever got repolled before? Or did they ever? And I don't care from the time whoever owned it till now,

did they ever? Were they ever more than ten days late on the payment? Well? They at one time. What does that have to do with it? They'll tell you once I get the answer, say that again. But they at one time they were laid on a payment, but they got it paid up on time, or they got it paid up within the period they gave them. Okay, but that was a few months ago, and this time it happened because their credit card got hacked and they forgot to update

their auto pay with that old credit card. So Colorado law says ten days they can start the repossession process. That doesn't mean actually repossessing the car. That means basically send a right to cure the debt. So if they ever did that in the past, they only have to do it once. So if you fall behind on payments a second time, they don't need any notification

period, end of story, to go get the car. Now, let's talk about after they do get the car and it's in the bank or the dealer's possession, they can do whatever they want with it at any time they want with it. Really, they most can they get it and then sell it the next day. Most lenders, if you came up with the entire amount ode on the vehicle, plus whatever the repo fees are, plus whatever the storage fees, whatever is available by law, then they might give it

back to you. But they don't have to. No, they said, are you kidding me? So there and that's all from I'm going to give this woman. Let me ask you this. So if they notify you, then they take the car. After notification, it's not a notification that we're going to repossess the car. It's a notification that you have to pay your debt. If you don't do it, they can take your car. And after they take it they owe you. They owe you nothing. Yes,

so this is from the law office of Clark Daniel Dre. She's in Colorado. I'm sorry he's in Colorado. But it basically says the first step in the repossession process is a notice to right to cure. This informs you you're behind in payments. Then done, and you have twenty days to catch up on payments. If you're able to come up with the money, the process stops and things go back to normal. However, if you ever ever fall behind again, the lender is not required to send any notices whatsoever, and

they can come repossess the car. Now, once it's in the repossessor's possession, they can do whatever they want with it. Well, so the answer Keith is they can do it. I'm sorry, man, they can do it. Yeah, look up the law office of Clark Daniel Dre and you'll see what I'm reading. Now. Jay has a comment on this woman who called with a venue a contract for her wedding at a venue she canceled three and a half months before the wedding and they're still charging her the full amount.

By contract it says the full amount is due. But her argument is you didn't have to supply beverages or plates. What's your comment, Jay, A couple things one, whatever the value of that is. I definitely just meet them at the venue and say, good, bring it in me. I paid for it. Oh, I never thought of that. When you get there, the odds are if it's a nice weekend and somebody wanted it, they've already had backup plans. People are already going to be there,

then that's egregious. They're charging them for something they had. Well wait a minute, how do we know. I'm trying to think of the last wedding I went to. I think we actually had plates, So I don't think they're literally charging for the plates. I would think it would be for the cleaning and that form of stuff. Or do you think they're literally charging like you get to take home the plates? Or are we talking their paper plates?

If they were glass in China and all that, then they're charging for use. Hold on, I've ever been to a wedding and ate off a paper plate. They're charging for use of the stuff so well, I doubt I don't know. To me, whatever it is, if it's disposable, If they're disposable, yeah, if you paid them as you get them. If not, if if it turns out their their glass, china then or whatever, you know, then that means reusable stuff. That means you paid

for the use of them. So but they could give you the beverages. I look at it as anything else. I want to take a little step back on here. If I buy a plane ticket and it's not refundable and I bought it a year in advance, and I decide six months out, I'm not gonna go. That's on me. It's I think it's going to fall back to the exact same thing, a hotel anything. They made an agreement, and I would assume they signed a contract saying that there is no

backing out of this. It is what it is, and they admit that. Three h three seven one three eight two five five. Hi, Tom Martine, don't get waterpros dot net for the best water system's lowest prices drinking water at the kitchen sink just fourteen hundred bucks waterpros dot Net. Now, Mark, I'm gonna get to my calls. But mark on solar hoas can they prevent you from putting a solar system up. No, In fact, they can only make an adjustment. But if it affects your system more than

ten percent loss, they can't do anything about it. But obviously if you have a condo or something, you can't do it. We're talking about single family homes. Condos you can still do it. If you pay for your electric bill and you own your roof, you can. Okay, so I have a town home maybe Okay, Now what deals are going on right now? You have? You are really getting into the financing. Yeah, the

commercial thing is really the commercial installs are big right now in Colorado. Well, with the best scenario, how much can be paid for in a regular solar system? Now, I know the rural systems have these special grounds, but we're talking about in an urban setting with a commercial property. What's the

most you can get paid? Do you think with everything all in, everything you can find That's that's a tough question to ask because it comes at least yeah, well that's yeah, it's amazing and will personally, our company will finance you through your rcs. So we've got some in house. Fine, Nancy, that we'll do. All you got to do is calls for an assessment three for free six two three fifteen thirty one, three oh three six two three fifteen thirty one probid energy dot com. Now, first of all,

I got to go to Joe, Joe, what's going on? You have a comment on this non refundable venue contract. Go ahead, I've got the perfect solution. Uh pretty, think you throw away it's all paid for fifty of your best friends and say, uh oh, go have a party. It's all paid you know what. That's true too, Go have a party, no matter what you paid for. I want you know. I never did ask why it was canceled. Maybe you can have a cancelation party or something with a new bo I don't know who knows. Hey, Jay,

you had one other comment, Go ahead. Yeah. So basically, if you did show up there and it was already being used by someone else on the day you had paid for seven thousand dollars, right, would would that sit well with you? I would want to go to oh no, no, no, that's called double dipping. But you're allowed to double dip if it's in the contract where you can't double dip is if you do it in time. In other words, if you bring them somebody that would mitigate

their damages and they don't accept it, that would be something. That's another something. See if she canceled it, But if she cancels it flat out and they find someone else, they mitigated their damages, but you still are contractually obligated. I think I'm not giving you legal advice, but I think we've had this come up before, I really do. Where they found someone but they it was a hotel room, but they were still able to collect

from these people. Worse than that, during COVID, we had cases where you couldn't have too many people together in the same room, so they could only have twenty people show up at the venue with the distancing and they wouldn't cut them any brakes, no, no, which COVID had a lot of ripoffs going on. Man, oh my god. There were people at old people to contracts and let's face it, it was such a weird time. How could you hold anyone right? All right, I'll remind you again.

Probit Energy. I know these guys personally, good guys. Probdenergy dot com for solar systems. They have a real emphasis on your commercial systems getting paid. A lot of it getting paid, you ought to take advantage of it. Plus you get paid every year by not paying electric. Three oh three six two three fifteen thirty one and I'm Tom Martino. You can call three oh three Martino anytime for help