The Troubleshooter 4-9-24

Y'all ripped news, You need advice? Who you don't have? Come running successes? We can show Shooter's gonna help come man. This is the Troubleshooter Show. Now Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five. What's going on in your life today? Don't sit on problems, questions, complaints, curiosities, paints in the ass. Do something about it. The only place really where we discuss this stuff. Think

about that. Today We're gonna be talking a little bit about taxes because we have a few days to file. Of course, we can also do an extension. I imagine a lot of people do extensions. What is on your mind? Well, here's the deal we have Steve Saysik with us from Larson Tax Relief. I don't know if it's safe to call them a tax attorney, but that's his area of specialties. Wouldn't that be what you call Steve?

What you call yourself? Yeah, I mean I work with I am an attorney, and I work with Larson as an enrolled agent for their collections. Some things that man nature. But I also have an attorney yeah, and so you have handled tax cases and you negotiate with the irs, and what's the most common issue collection for us? The stuff that Larson handles is typically nine forty one, which is the wage and withholding return. Oh that one. Yeah, that's that's for at least for me and myself. That

what does that mean? Nine forty one? So when you're in business, you file at nine forty one? What every quarter? Is it? Yeah? You file those every quarter for that It tells you how many employees and how much you pay, and then they tell you how much you owe.

Right, so you're supposed to take money out of your employees paycheck and you tell them that, right, Plus don't you have to match it or what do there's a portion of that you have a corporate portion, you have a matching portion as an employer, and that's called the part you put into that fund then or you collect as a trust exactly correct, And that's held in

trust for the state, seld and trust for the employee. Right right, then you pass it on data day rs that amount that you say, I'm going to pay you fifty bucks, but you're only getting thirty six because I'm going to hold this for your taxes. Now, if you in the past, we've had Don Iiley, this guy, it was the famous case. I know you guys took a lot of their cases and helped people. But what happened was Don Ailey was famous. He made this famous. What he

did was he would get nine forty one reports from his clients. So he's an accountant, right, So his clients ABC and X y Z would report the accurate number of employees, the accurate number of withholdings, and they would forward to check to his trust account right, and they expected or they'd give him access to their own accounts and stay with from market. He was in charge of making the nine forty ones for his clients. That's not unusual to

have an accountant do a nine forty one for your business. Sure, payroll companies do it all the time. So he, in essence was a payroll company for the kind of you. So he would do all the legal stuff. But so what he would do is take company ABC or XYZ who reported all of the accurate stuff and report that they had no employees or few employees, sure, and pay into the IRS on the nine forty one what appeared to be the correct amount for what he reported correct, So there was levels

of fraud there. So it was really so there was no way for the irs to know that there was any fraud going on because the CPA is filing saying, here's how many employees, here's what we owe, here's the check. Right then the employer would not know because they're never going to get a notice of any deficiency. Sure so, and the employer as seeing the money come out of their bank account. Okay now, and I should get it on a wide shot here since you're talking. So here's what I want to

know, Steve. How does that come crumbling down? I forgot how we I don't know Mark. Are you there right now? I don't know if Mark is there. I don't see his camera. But how does that come crumbling down? Somewhere along the line, Company ABC found out they had inaccurate nine forty one if I remember correctly, it was an audit of Company ABC. And so when they turn over their p and L and their books,

they say, we have X amount of employees we've been deducted. And then they look at the nine forty one say, well, that's not what you've been paying exactly, and they said, oh, yes, it is here are the checks we wrote two our accountant and they trace that back and then they go to the accountant and say, wait a minute, mister accountant company ABC wrote you a check for one hundred grand. You wrote the IRS a check for fifteen right, and you kept eighty five exactly. He's in jail.

I don't know if he's actually still in jail. He was in jail. They don't keep people in jail a long time for this kind of crime. And then we figured he had about twenty million dollars that he pilford from people. Now I don't know what happens in these cases. Does he have to pay that back eventually? Because he'll never pay it back? Yeah, I mean there's did he stash it? Do they look where he put it? I mean, I'm always fascinated by fraud because I think in some cases

fraud can pay because you go to jail. Mark and I used to bat this around. Would you go to jail for X amount of dollars for so many millions of dollars a year? So when you come out you have a stash somewhere. I don't know, I mean, I don't even know. Do they make reimbursement part of it. So disgorgement is a part of the

judgment. I would assume I haven't looked at the touch against him, right, But you know, at the end of the day, the irises can say, you have a fine enough X amount of dollars and you're gonna pay it for you know, the rest of the results life. But if he has got Allion Camans or nick a Arraguar or whatever they're doing these things, and if he was fairly intelligent about it, which sounds like he was, I think that it's it's not a victims victims crime. He's you know,

he's killed all the businesses. And then maybe it was responsible for what when a company, When a company has not paid well, when a company did pay their accountant everything they owed, then the I R S up makes it makes a claim so that employee. Does that employee have to pay again if wages, I don't think they do. If it was withheld, doesn't the I R S hold them harmlessly? Right? The IRIS is not going to hold an innocent employee because they in fact, what did happen to the companies

that came to you for help? Did they have to pay again? Yeah? They were obligated Oh, because they're the ones. The onus is on the taxpayer, not so the fiduciary who screwed them. That was because they found the fiduciary, so they're responsible. Yeah, But had they not found it, the company still on the hook for those taxes because those taxes were due. Regardless of whether that's CPA paid or not, it's sexually for the employee, they weren't due. So does the employer have to pay their match

only or does the employer have to pay everything? So the employer is on the hook for the corporate their own portion and then the matching if the company fails in a lot of cases, but what if they what if they passed on the client's money which was stolen, Do they have to make up that client's money that was paid to the government or not. When you say the

client is, well that excuse me. The employee. Sure, So if i'm with if a thousand dollars is withheld from me and the company matches that, I don't know if it's fifty to fifty portion, Well, so the company matches, and now we're busted. You're saying the employees held harmless. They don't have to pay another thousand. But do I have to pay their portion because I squandered it or I sent it to a bad accountant. If the company fails, the portion that is the owners are going to be liable

for is the employee's portion. Oh, the company will die and there's no I know. But in this case, if the company's lived on after don Eiley, are they responsible for both portions? Are they holy? So this could ruin a company. In fact, it it ye company And to note follow their own other than the fact that this guy defrauded them, and it's

unfortunate and we were able to negotiate things in those particular circumstances. Are there then tips we give to companies right now, People, if you're in business and you're using a professional employment group or HR group or someone to administer your HR, someone to do your paychecks, to do your nine to forty one, is it wise every now and then to check and reconcile with the irs.

I think it's not a bad idea. And then also you have to sign these returns and so you know, we believe that I had it where he would had like a stamp or something he was doing. Oh, so like it's the levels of see the returns as file. You can even actually have them sent them to you get transcripts from the IRS on what was filed on your company. Right, it's simple bookkeeping, but it does take out time and effort to do it. We have a lot of business people who

monitor this show, so that's a lesson to be learned. Let's talk to Ulysses. Ulysses, Okay, what's going on? Man? What's happening? Yeah? Can you hear me? Yes? Now is it Ulysses or Ulysses? What? Well, it's Lisas Okay, cool, what's going on? Releases? So I just recently purchased a home and I, well, that's kind of good news, I hope. Right, Yeah, it's good news. But I decided to remodel the bathroom and as I was tearing it out, I noticed there was a bunch of mold everywhere. Yeah, and so

I contacted the cellar and say they were aware of the mold. They said they weren't, but there was a new carpet installed, and I pulled back the carpet and well, even if even if they were, was that was that? I don't I'm not aware was was mold on your disclosure statement? Yeah? So anytime there's mold, they have to disclose it. Well on yeah, I think if it's on the disclosure statement. I'm not sure if mold is covered by statute, but in any case, it was on the

disclosure statement. And what did they say on that disclosure statement. They weren't aware of any mold. That's what they said. Now, unfortunately, and here's what we really need to talk about. What are your damages? You would have to say that had I known about the mold, I would have either paid less or I wouldn't have purchased the property. But is that true? Where there are multiple offers? Would you have bought it anyway? And did they know about it? You'd have to prove it. Here's what I'm

getting at. Most of the time, unless we're talking about a major defect, most of the time this disclosure issue is not worth going after. I'm not saying you shouldn't. I'm saying unless you can negotiate or settle something, it's almost never worth going after. Okay, because of the level of proof, how would you prove you're using lot? You're saying, well, if they did the bad the floor, they would have had to have seen it,

right, isn't that what you're saying? Yeah, what if they say, well, our contractor never mentioned it, then what In other words, I'm asking you. I'm not challenging you. I'm asking you, how would you prove they knew it. I called Home DEEPO yesterday because they're the ones that installed the carpet and they have pictures where it looks like there's mold, and I asked them what's their policy on mold? Right, like, what

happens if they find mold when they're going to install carpet. They said they're supposed to report it, and UH, all right, so you have to get it, so you have, but okay, you have to prove. Okay, that doesn't matter. If their policy, the homeowner can simply say this ulysses. I've never ulysses. I've never ever heard anything about mold. I didn't know it was there. If that guy found it, he never said anything to me. You literally have to prove it. What I'm asking

you is how much extra did it cost you because of this mold? Well, I haven't taken care of it. Yeah, I'm trying to get it. How much? Mediator? Okay, don't get someone who's going to rip you off and take advantage of you. And because a lot of them are going to tell you, for God's sake, some of them want you to rebuild the whole house. Yeah, so just be careful on that. I would call American Restoration twenty four to seven. I would call him. He's

honest, he'll do mold tests. He'll do the most cost efficient way to get rid of it for you. Did you already call a mold mitigator. We got a guy coming to give us a quote and just to see how bad it is and what kind of mold it is, how long it's been there, but we have a pointment. Okay, good. Would you also do me a favor? Then? Would you also call his nickname's Rock.

He's over at American Restoration twenty four to seven. Really, I'd like you to talk to him because he'll do mold testing and do some real stuff and give you a real price. He's not one of these people that go in and exploit. I don't want you to be exploited. I don't want your fear to make you These companies. A lot of these mitigation companies scare the hell out of you, So at least get a second opinion. Okay, yeah, I'll do that, and then I want you to call me back

because we're not done yet. If it's so obvious, maybe we do go after the buyer the seller. I mean, but first, here's the number eight three three seven am rest r e s t okay eight three three seven am rest am rest and it's also mrs two four seven dot com. It's called American Restoration twenty four seven. Listen, did you when you mentioned it to the owner? What did they the seller? What did they say? They just said that they didn't have any knowledge of mold. Okay, see,

okay, so we're right where I said we'd be. Call me back, let me know, and then really I'm gonna mark this here so i'll remember you when you call back. And then then what we'll do is we'll check with you and see if we have any thing we can do about it. Three all three seven one three A two five five water Pros. By the way, speaking of healthy environments, you also want your water to be

pure and perfect. Waterpros dot Net. Paul the Waterman can do that for you at the lowest price and the best quality that there's no two ways about it. This company has come through for me every time. Three oh three eight six, two five, five five four. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison,

call Compass Insurance. Paying too much your coverage at dozens of insurance companies find out now three oh three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talks seven one three eight two five five Non disclosure issues remember they are quite challenging for people

when it comes to real estate. Now we're going to talk about a car dealership issue, and I want you to call with any issue you have, and remember this. You can call twenty four to seven and leave a message three oh three Martino three oh three six two seven eight four six six, And that's really important that you do it and leave a message with your number

and we will get back to you. Also important, check your AC now your water heater, you're plumbing whatever you want, any one item, twenty eight bucks eight eight eight Heating dot Com will come to your house to check it and service it. So for the water heater, they flush it and tune it and check it and give you a true assessment of that for twenty eight bucks. If you need like a replacement or anything more, they credit you the twenty eight bucks. You don't do better than that eight eight eight

heating dot Com. Now, Tim says he has an issue with Planta, with poxes me Plant Hyundai. Now, I want to say something. We don't have Planet Hyundai or any new car dealership on a referral list right now. But Planet Hyundai as they go is a pretty good dealership. I just say that up front. Tim, what's going on with him? Hey man, what's going on with the Planet Hyundai. Well? I was shopping online and I saw a vehicle that I liked and they had it advertised after discounts

at thirty six thousand and seven oh seven. I said, thirty thousand seven seven. Okay, what's that? I'll say you some screenshots of that? Okay, Now it was on was it on their website? Yeah? Okay? So what happened? Well, I call them up. The reason my life it so much was because it showed they have a page on there that I sent you that says key features. And now what did you find? What? Excuse me? What what vehicle was it? I'm not looking at your ad right now. I will look at it, but what what was

it? There was a Santa Cruz xlt A Santa Cruz says, okay, and what was the feature? You really liked? But it had the telepackage okay, and a lot of them don't. And I'm I'm disabled, So I was thinking of putting all those you know, scooter carriers on the back of my vehicle. Anyway, I called them up, ready to buy this thing, and I said, I just wanted to check it that you had it on hand and everything and the advertise for thirty seven seven and it has you know, And they said, oh, no, no, no,

no, no, no, it's okay. I'm looking at the I'm looking at it right now and the ad I'm looking at it. So I see what you sent here today? What's that, sir? It says on the website today it says thirty seven seven. No, no, I'm not looking at today I'm looking at what you sent me and I'm trying to find where it says toe package. But anyway, anyway, go ahead. I mean it says key features. Oh, I see it, key features, the AWD blah blah blah, and then toe package. Okay, So okay.

So then they changed the ad or corrected it after you contacted, and because they said to you that would be an extra thousand bucks dollars, but so would they would they not sell it? Let me ask you this, would they sell it to you for thirty seven oh seven? No? What did they say? It would cost an extra eight hundred? Uh? They they said it wouldn't have the tow package, but they got down to thirty eight

two hundred and seven dollars. I believe in that area. You mean, if you wanted the tow package, Yes, I needed I get it. What I'm saying is and that would have been doctor the manager over there, and he tells me, well, the tow package just means that the wiring is pre wired to the back of the truck, so that if you decide to add the trailer hitch a tow package way, you don't have to run the wire and all the way to the front of the truck, which is

bull Well, it depends. I mean, I don't know what their definition of a toe package is. I mean it's on those sheets there. There is a chat for the Hyundai Motor Company. Okay, Tim, Tim, let's just skip. Let's just cut right to the chase. And it wouldn't matter what car you're buying and where you're buying it. This is called a misrepresentation of a material fact. Now, if this was a damage thing,

if this cost you damage, it's considered bait and switch. It is not considered bait and switch if it's a mistake, or if it's an oversight or a misunderstanding. If they did it once, if they did it on a dozen vehicles, or month after month after month, even after it was brought to their attention, it would be considered egregious or what's called bait and switch. That's what the f the Federal Trade Commission says. Here is a mistake a lot of us make. Now I'm not saying you made a mistake.

I'm saying a mistake and impression. We think that when something is advertised, they must deliver it, and that's not true. Only if there was civil damages that you relied on, you flew out there, you made special arrangements, you lost another deal, whatever, whatever, whatever. But that's only if it wasn't a mistake. The Federal Trade Commission and the state attorney general, all the authorities for the fifty years I've been doing this for consumers.

What they do is they give you a break if it's a mistake, and they look at your pattern. If you have a pattern of doing this, a pattern of deceit, if you have a track record of tricking people into coming to the dealership, then there could be a problem. Now that's the law part of it. I don't mean the law part. I mean the enforcement part of it. Now, let's talk about the practical part of it. In my opinion, they should have just given it to you and and

it should have been a really good good will thing, you know. Yeah, now what I thought that? Now? Mark? Are you there? Is Mark on today? He just texted me, is he honor off? So right now we're a little shorter on accesses. So he's going to come on a little bit later, okay, because he said something about an experience with a planet. So Tom, yeah, I want to tell you that

I checked their website today. Yeah, and they have changed the hour price to thirty seven seven oh seven, but they have not removed the toe package from the key features. Will they do it? Okay? Almost? Will they almost guarantee you that they won't sell it to you for thirty seven seven oh seven. Well, then if they can keep doing that, that would be a problem. But here's the deal. You'd have to show this that it is a pattern. So here's what I'd like to know if they would

sell it for that. But here's another thing. Just because the toe package is considered one thing from corporate, they could consider I mean, I don't know where you get a definition of the toe package at Planet Hyundai. I don't know, because when I didn't, I got it from Hyundai's motor their corporate. Well, no, I get that. I get that. But for example, I got on a tap with it with a fellow. No, I get that, But they weren't from Planet Hyundai. They weren't.

Did you ask Planet Hyundai before you made an offer and went out there what the toe package entailed? I when I checked to make sure that it had one, I was going to do the deal at thirty eight something, and I think we should have somebody call over there and clarify this. And he said, no, that tow package means that it's just pre wired. Well okay, but listen, what I'm what I'm getting at is if that truly is what it is to them. I mean, I don't know what it

means to them. Now. When I, for example, buy a truck, or used to buy a truck with a toe package, it would include the wiring, and it would include the receiver on the back, or at least the receiver, sometimes not the wiring. And so was there a receiver on this one? No? Okay, there should be at least if it's a toe package, I don't buy it with the wiring. There needs to

be at least a receiver on the back. It doesn't have to have the ball that goes into the but it should at least have that receiver installed. Well, yeah, I was. I didn't assume that it would have the ball or I don't need the ball, okay, because you would just stick it in the receiver. Here's what I'd like to do. I'd like to call over there. We got to give this to somebody. No, and

if they still have it on there and they won't sell it. Did you call to find out if they would sell it for that price for seven seven yeah no no, no for the new for the new price seven seven yeah no, I haven't. Would you do that please and we'll get Please do that. I mean, I really want you to do that because if they because then they could say it was a mistake, we corrected it, and then they'd be right. But if they still won't sell it for that,

there's a problem. Call I want I want you to call us back. I'm not going to give it to anybody until you try to buy it for that price. Three oh three seven to one three talk seven one three eight two five five Listen Denver Regent. If you're looking for semaglutide in a compounded form for weight loss, you can do it at just two hundred and fifty bucks a month at Denverregen dot com. And you know there's a shortage and you know that it's way more expensive than that if you do the brand name

Denverregen dot com. Go with a sure thing Denver's Best Roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation 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 here, Steve Sizzek with us from Larsen Tags Relief. You can tell at five seven seven three nine And what you do is put a Tom in the subject and it'll get to us. So, Steve, we have a question, and that is on extensions coming up? Can can you file that online without a signature? Can their account and do it? Hold on sir go ahead. You can file online

just on IRS dot goes. It doesn't require signature, but you do have to have an account with IRS in order to do that, So you have to create your online account three IRS dot goes. But your accountant can then file it without going without having you sign it. Yeah, your accountant can do that for you. Don't need a doc you sign or anything. No, and just ask for them to send you a copy of that A transcript to the fact that they filed it, because just if they tell you that

they did it doesn't mean they actually did it. You'd want verification of that. All right, three oh three seven one three. Talk. Now we have Mike an issue with the dentist. Mike. What's going on? Hey, Mike, I'm hoping he's there mine. Are you there? Just lost him? I'm so sorry. I'll try to get him back. No, it's okay. James has a follow up with Solar an offence issue. He's working James, you're working with Chopper. When was your original call approximately three

weeks ago? And what was it about? James? Did you? First of all, I see, let me let me find your call. Go ahead, I'll keep talking. Go ahead, I mean I'll keep listening. Go ahead, sir. What's going on? It's done a fence for a Denver County solar panel field. And when we had finished the fence, the company stopped answering the phones. Is this is this in Colorado's? This is not Colorado Springs? Is it? Oh? Denver? Okay, keep going,

sir. So they just wouldn't answer their phone. Then they sent an email saying and they wouldn't pay at all and that I've never gotten out before. So I reached out to you guys and through through your help and uh you're you know the different things. Uh. They finally about two days ago they paid good. So so they paid money that you would put down. Uh, they had paid money ode on the final payment for the project that they're trying to we hel out of. Oh I see, Tom, it's

a dinger call. Yeah, it is a dinger call. Now since you handled it, do you remember the details, chopper? Yes, what happened is there's like a big subcontractor out there at d I A and there's a middle one that was kind of screwing this guy over. Well that's wrong, and I contacted the big guy and said, come on help the little guy out and they did. It's a ten thousand dollars dinger. Wow, that is pretty cool. Yeah, I remember that guy got That guy got paid.

The general got paid right, but the sub but he didn't but our guy here didn't correct Yep, I remember that. Cool. Thank you for that follow up, Man's that made me feel good more. Coming right up, go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free

no obligation. In comparison, 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 to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. Okay, Larson tax

relief with US eight four or four lars in tax? Steve says it an attorney at law who works there as an Enrold agent and he does long also, but for himself, and I mean for his firm. Now I want to ask Steve a question. So, even though you're filing an extension, you still have to pay, right, people need to know that, Yeah,

it's an extension of file not to pay. So if you feel like you're going to owe, then you need to either pay one hundred percent of what you owed the previous year or ninety percent of what you think you're going to whichever's greater. Now, what if you don't and you want an installment. Isn't there an automatic thing you can do, like just send in a

payment saying I want an installment or how does that work? So if you do file the return and there's a balance on there and it's below a certain amount, you can actually file a form with the returns saying hey, I'd like to go ahead and pay installments on that And on that form, does it tell you what payments they're going to be? Like, does it have a schedule for what you owe and what the payments? Typically it does, and it's got like a calculator that UCB it can help you out with.

Or there's even instructions on there as to what they'll accept and what they want to accept then and what form? Do you know what formula? I think it's a nine four or five three? Don't quote me on that, Okay, Now it's similar to that you can look at up. So basically there's a form for an extension with installment, but that's only up to a certain amount. Right, If it's over that amount, they don't even you cannot

get an installment you can get in a selven agreement. You have to either you have to negotiate with the automated collections and is that what an enrolled agent does too? Is that what you can know? Yeah, yeah, Larsen that's one of the best things that Larsen is very good at. Actually, it was one of the best things. We're good at it, whether you

it's a personal liability a business liability trust fund? Is negotiating. Is we negotiate when it gets to a point where you can't do it yourself or you don't want to sit on four hours, you know, on hold with the irs and have some idiot pick up the phone and tell you that you know you're the wrong person. Were the people that can handle that? You can take that brain damage off off your desk for you. That's important to know

because I think that is one of the areas where we get intimidated. Does that mean you have to sit on We don't have a lot of time, But do you have to sit on the phone or do you have special numbers to call for them? We have it, We have special numbers. Lead

all right, now we have more coming up. Get your calls into me three oh three Martino three oh three, six, two seven, eight, four sixty six, or of course our regular call numbers three oh three, seven one, three talk seven one three eight two five five more coming up,

Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're contenth 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. Yeah, ripped up. You need advice so you don't have come. Run in just as fast as you can. Shooter's gonna help. Come. Man Dix is the Troubleshooter Show. No Tom Martine, Hi, I'm Tom Martino. Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five. On this wide shot, you're gonna see uh my buddy here, Steve Sizzeck, an attorney at law. He is with Larsen Tax Relief, and we're talking about problems in

that area. A lot has to do with collection. If you have any questions, give us a call. Audits collections. Now they don't do normal tax returns for people, but if someone hasn't let's say someone hasn't filed in ten or fifteen years or eight years or six years or five years, they get a notice and they want to do something. Now, you don't actually do the returns, but you give them counseling or do you do the returns in those cases? What do you do in those cases? So Larson actually

does have a separate branch. It's independent of Larsen, but it's still got the Larsen so you they will do that. Okay, good, So you can person you can help get someone back into the system. Yeah, and it's kind of nice too because you can just call one person and we can you know, they can forge you to the return Preparation unit. They can get that done. Who can then communicate with the services unit, you know,

where we can represent you based on what youo. So it can kind of be a one stop shop if you've got things that are fairly straightforward as far as getting those returns done. If you need a more complicated and in complex the you know, a series of returns. We have CPA references as

well. Okay, Now, earlier, we had a guy call up and he said, I saw online an ad and it was for a Hundai on Planet Hyundai's website, and I said tow package and it was listed for a certain price, and I called and I wanted to buy it, and they said, no, no, no, no, that doesn't have the toe package. Like you think that's just some wiring and stuff. He says, no, no, no, Hyundai says, a tow package is a tow package. Now, usually a tow package in my experience with Chevy and trucks,

there's a receiver on it. Sometimes there's wiring. I don't know if you've ever bought a tow package, but usually it's that now like you buy our vs have tow packages. Pickup trucks have tow packages. So anyway, so then Tim said, but they, and I said, as far as bait and switch, bait and switch is a very difficult thing to prove civilly and a lot of people automatically assume if something is advertised that they must sell it to you for that amount, and they think they have some legal right,

and really it isn't automatic. But the Federal Trade Commission does look down on companies and will enforce certain laws and penal and penalized companies who do true bait and switch. A true bait and switch is where they won't correct it, or they keep it going, or they know there's a problem, but that it's bringing a lot of people in, so yeah, let's do it.

True mistakes are not considered bait and switch. Now. Having said that, Tim said they did change the ad after I complained about that thirty six thousand some odd dollars and they changed it to thirty seven some odd dollars. And I said, I said, listen, uh see if you can buy it for that, And if you can, then they did make a mistake and they corrected it. So I asked them to call them before we got involved, because if they're now advertising it instead of instead of thirty six seven

h seven, what is it advertised at? Tim? What was that? What is it now advertised that thirty seven seven seven? Okay? And at thirty seven seven another thousand bucks at that price. They added a thousand bucks to it acknowledging their mistakes. So theoretically you should be able to buy it with the toe package for that. So won't say no, it's thirty eight. Thirty eight to two oh seven is their bottom dollar. And it they are still saying that the tow package is just the pre wiring, uh in

case you want to put on a tow package. See, that's where we have to figure out we really do. I'm going to look at there like, like, what is the definition of a tow package? Now before tim, I understand? No, I get it, I get it. I'm going to say that Hyundai or Hyundai in their chat with you told you it was w go ahead, I'd have to pull it up just a second. I've got it real close. Yeah, I'm just curious what they say it

is. Okay, they already Teaver made him. They said, the tow package for the twenty twenty four CENTA Cruz includes a Class four hitch receiver, a wiring harness, and a trailer hits ball. The maximum toy capast is okay, got it? So? And you did that on a chat right, yes, with the corporate website. Did you tell that to Planet Hyundai? Oh? Yeah, and what did they say? They said, no, no, no, that's not what it means. They said, it's just a wiring pre wiring back to the back of the trucks. You don't

have to run the wiring all the way. Now, here's my case, you want to put in an AFT market. Here's my question for people listening Planet Hyundai as a dealer. They're an independent dealer. I mean they are, They're not owned by Hyundai. Are they allowed to have their own definition of a toe package? I mean? And is it disclosed anywhere? Because to me, saying toe package means more than wiring, you know, So I want to know what people think. So did you say to them that

you talked? Oh you didn't tell them. So who are you talking to over at Planet Hyundai. Well, I've been talking everyway. I've talked to the general manager, the sales MANA okay, So the general manager did talk to you. He was a general manager day with John something? Was it the general sales manager? What was the general sales manager or the general manager? Do you know? He said he was a general manager? Nice? All right, here's what I want to do. Here's what I want to

tell me. That's who they are. I don't know whether they're really I get it, I get it. I just meant general. There's a lot of people say they're the general sales manager and we hear general manager. But here's what I want to do. I think there's something going on here. I would like to talk to someone over there about this case. Specifically. I acknowledge that they change the price accordingly. That's good. They said, Hey, we made a mistake, so now it's not thirty seven it's now

or because it's not thirty six something, it's thirty seven something. But even when you call it thirty seven something, they won't sell it at that price. Or are you saying they will sell it at that price? But the toe package is the wiring only is that would be because they will sell it at thirty seven. So now it comes down to the definition of toe package.

Is that what they're saying or are they saying what's that? They won't sell it to me at thirty seven seven if you wanted it the way it's equipped in that ad with their definitions, would they sell it for thirty seven? Yes, they would. They won't sell it with the hitch that you want for thirty They won't sell it without the hitch for thirty seven seven oh seven. They won't it as is for thirty seven seven O seven it's thirty eight too, then why is it advertised for thirty seven? I don't know.

Come on, Tim, are you joshing me? Bro? You just called them to the guy Tom. Their site says it's a six hundred and fifty dollars and it's wiring and receiver. Really, yes, sir, really, so they define it as toe package being a receiver and wiring. You found it on their website. I found it on a Google on the Hyundai shop website. No, I'm not talking about that. I'm talking about this Hyundai Planet Hyundai. No, I didn't go to Planet Hollywood. I'll tell

but I don't care. It's Planet Hundai. And by the way, by the way, that's enough for me. If the damn industry and Hyundai itself defines it as a hitch and wiring, then that's what a toe package is. You don't get to make up your own idea of what it is. What if their idea of a turbo was someone who farts at it? I mean, come on, you know you gotta so here's what I'd like you to do, Chopper. I really I'm concerned because he said, let's forget

about the toe package right now. He said, what's advertised right now? They won't sell for that price, then why is it advertised? I'm on Planet Hyundai right now? Where is that? Where's that car listed for thirty seven? Where is it? I want to make sure we just Planet Hondai's website and go to Santa Cruz. It's they give you a list of all our Santa Cruzes. Andy, wait, Santa Cruz on Planet Hyundai. I did get that. It's okay. You're talking about the Santa Cruz on the

Planet Hyundai site. Yes, okay, And you're telling me they have it listed four. I'm looking for it. I can't find it. I'm looking for the one you're talking about. Is it a twenty twenty four? Yeah? Let me okay? Is it thirty seven seven oh seven? Yeah? They still have that one there? It's it's sand color. It's called I see it, man, what a beautiful car. I see it? Hold on yeah and th row middle. I see it. So here it is.

It's it's thirty seven seven oh seven, right, okay. Then I want to look at it and it says, damn it, you got it, and it says toe package. So but you're saying they won't even sell it. Just that vehicle itself, that unit number, they will not sell. Well, he told me that he'd have to see for sure that it's got the dealer choice bonus cash. But he said he didn't think he did. But it says it on the site that it has it. I know, it says it is all right, you know what this is getting ridiculous.

The site says thirty seven seven oh seven and it says dealer bonus cash minus five hundred bucks. So they're saying, well, we're not sure we can sell it for that that Now that that is pissing me off because now it was thirty six seven oh seven, right right right, they added a grand to it and say they still can't sell it. Yeah right, you know what, there's something going on here. I don't like this at all. I don't like this, Hey, chopper, go ahead, call them.

Get this specific. Although here's another thing that's against the They have to have a unit number. Did you know that they're required to have a unit number on this ad? They have a stock number under the first heading. Okay, so if I go back, there's a stock number here, hold on three d's in dog. Okay, call them. Here's what I want you, Chopper, Here's what I want you to do. I want you to call them. I don't want to get into the nonsense about it once

being thirty six, seven oh seven, now it's thirty seven. I just want to ask one quick, one question. Will you sell that vehicle at that price? Got it? Because you tell them who you are and tell them we were told you're not selling it for that price, and in our opinion, that's false advertising. I mean, come on. And then the next question is are there any cars on your site that you'll sell for the site price? Then the next question is what is your definition of a toe

package? Because Hyundai disagrees with you if you say it's just wiring. So if you have all of that, Chopper, really this is I want I want to find out about it. I really do. I want to find that this sucks. I'm Tom Martine three oh three, seven to one three talk what do you guys think? I think it sucks and I think we should call them on it. And you know that that distresses me because I always thought they were such a good dealer. I'm not saying I have any

connection to them, but yeah, it just bothers me. By the way, Dan McKenzie does wills and trust. Dan McKenzie does estate planning as well. He's one of the attorneys we highly recommend mackenzie Law. You can always find Dan. He's one of our experts on the show McKenzie Law. Call him for wills, simple wills, transferring your businesses, even asset protection trusts McKenzie Law eight three three C plans go with a sure thing Denver's best rufer

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three nine two zero sixteen twenty two. You know, I I want to call Mark here because he says he's had a similar situation with these guys. I'm gonna call him right this second. Hold on and I'm calling him. He knows I'm calling him, So where is he? Come on? Mark? Okay? There it is. Let me call him this this is wrong, man, let me just call him. Hey, So, Mark, you had this situation with Planet Hyundai. You know this is getting weird,

and I have Chopper calling him right now. What was your experience? So they had one of the last twenty twenty three Santa Fez left. So I sold our black win Er twenty twenty like I usually do. It had around forty thousand miles and I saw this one and they're one of these one price dealerships, so whatever it is is what? But I couldn't find another twenty twenty three brand new any where the one I wanted, which is you know,

the Ultimate or it's got all the crap on it. So I call up and they're like, oh, well really that's this much and I'm like, well, what are you talking about? And at first they told me, well, the price you see there does not include the dealer options that are on it. And I said, what are you talking about? They said, well, this one's got running boards, so it's really not that price. It's another thousand bucks or whatever, and I'm thinking, huh.

I didn't know quite what to make of that, but I'm like, oh, okay. So then I call back because I'm looking further on it, and I talked to someone else and they say, well, that vehicle's not even available. So at this point I'm going, what the hell's going on? So I end up going down there, and basically I threw a fit. I was like, it's not even close to the price you were advertising. Even if you add in the running boat, it wasn't even there.

Made the math made no sense whatsoever. So finally I just said, listen, you know this is outrageous. I don't understand where you guys are getting this pricing. And the salesman are you still there? Mark? I can't call you here. He's only been on the radio. I don't know how many years with men. You got me so flustered thinking about these guys. But here's what I would do on the tow package. I've been listening. Check it out, man, look at one of the Santa Fees or one

of the palacines. It says toe package, and call up someone else, call up not whoever is calling up right now, and say, hey, I'm interested in the palisade. Do you have any with the toe package? And then say does that include the receiver? What does that include and see what they say. My guess is they're going to say, well, yeah, of course it includes that. I think they just make stuff up when you call them. I don't trust them, man, although I did buy

a vehicle from them. Now hold on because Raymond wants to comment on this. Go ahead, Raymond, what is your conservation? I was listening to your program, Tom so I decided to call Planet Hundi myself and we were discussing the tow package that the definition of the tow package should include include the receiver hit. And he told the sales manager told me that if corporates definition includes the receiver hit and the wiring, that they would give it to the

gentleman. If he proves that corporate definition of tow package includes both of those. I'd never heard about it. Go ahead, let me say something about this coeitching. I need to say this listening to you talk about it on the air. No offense, but it seems ridiculous. There is no vehicle I have ever bought in my life that says it comes with the toe package and it doesn't include the receiver I am wiring. I have never heard of anything like it in my life. I know it I agree with you.

If just the wiring's there, where the hell's the wiring in that, it doesn't even make sense. The wiring generally ends at the toehitch. I know, it's ridiculous. I mean, I just don't understand that. Maybe we call it seriously, and I don't know if it goes to the ownership. Because Mark and I had the discussion off the air the other day. He said, you know, I really don't trust Planet Hunday and I said,

I think they're really good people. And I didn't want to get into specifics, but I kind of knew the owners years ago and I thought they're really good people. I don't understand, but they could have some management right now going rogue here because if they're routinely advertising prices they can't meet, well that sucks. And if they're saying, well, this guy that your callers said, originally it was Ford something and then he calls up, they're like thirty

eight. Then they change it on the website. Now they're arguing what a toe package is. Any moron that's arguing a toe package is just wiring and that's it. There are a moron. What else can you say about them? Well, don't insult, don't insult. Are YouTube morons? But you're right, they are true. They are morons. Uh. Three oh three seven to one three talk Okay, Mark, I know you you have to go on that, but later, man, let's hook you up later.

Okay, So we're done with Mark there. Okay, good and here's the deal. It's wrong, wrong, wrong, wrong, wrong, that's my opinion. Three o three seven one three talk seven one three two five five. Hey, renew Home Innovations does the best showers, and oh my god, they're beautiful stone residin walls, no maintenance, glass panels for the fronties, thick, beautiful glass. And then of course it's temperate glass and then

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your coverage at dozens of insurance companies. Find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here THREEO three seven one three talk seven one three eight two five five you you're just joining us. Really, this discussion on Planet Hyundai is disturbing. We called some

other Hyundai dealers. Toe packages include receivers and wiring. I mean to say that it has a tow package and it doesn't is just lying. And then the other thing is to have prices advertised that you can't get. And so this consumer call that said that it happened to him has now happened to him twice. And then Mark said it happened to him when he called they. I think they we can probably establish a pattern, and maybe we should go

to the Attorney General and the Federal Trade Commission. It's wrong, It's absolutely wrong, and if we don't get the right answers from the general manager, then we go to the owners. Because I think it's wrong and I think they want to know about it. That's all so Planet Hundai. I mean, you know what sucks, what really sucks is that now this would make a total of all of the Hyundai dealers that are pretty questionable. I hate to say that, but that's just the way it seems. Tom, what's

going on with you? Hold on real quick, Tom, No, go ahead, Tom, what's and Tony? We're going to talk to you about your payments of taxes too, because we have Steve Ciszick with us from Larson tax Relief. So let's talk. What's going on? Tom good Man? What's happening? Good I was calling I am have a back in September, UH with shared fence got knocked over, and so I went over to my neighbors. They're actually renters, great neighbors, but they put me in contact

with their property management companies to get okay. So are these single family homes? Tom, Yes, they are okay. So I got retired, I took pictures, I bought stuff, I sent them voices off, sending emails to them, going back and forth. So how do you is it a shared fence? Is it on your proper line or their proper line? It's between both of our houses. Is it right on the property line? See this recent These recent questions I'm having about fence lines are weird because unless it's

really old property, fence lines are not on the property. They're either on one side or the other. They belong to one side or the other. Are you telling me this one is right on the property line? I'm that I don't know. I mean the house so back in ninety six, I think then probably it is. But anyway, what's going on the fence is damaged and you want to get the neighbor to chip in. Yeah, well

the property management company. So I reached out to I talked with the neighbors, told them what was going on. They said they reach out to the property management company. They did, They gave me the phone number. I reached out with an email them back and forth and send them pictures, send them invoices, everything in such, you know, share fence. I'm responsible for half the hopefully they'll pay the other half. But I have not been

able to you know that. You know there's no law that says that, right, Yeah, I guess more, you know, just common curtices. That's right, that's right, that's exactly or possibly possibly court precedent. I I've not seen it, but maybe a neighbor suit a neighbor one time for a joint fence, and one that would make it a precedent, which they call common law. But I don't know right off hand. So but you would think logic would say, hey, you know, we both enjoy this

fence, let's chip in. So what's going on now? So this is in se September. I have probably the past I've reached out to three or four times the email. I have not got a response back. Okay, now here's what I'm going The check's coming, it's on the way, but I haven't seen anything. No. Wait, did they say the checks coming? Yeah? I said that where yep, this is the check Oh I didn't know that. Well, so they didn't say we're not doing it.

They said the checks on the way. Yeah. And then they asked them, okay, send us the invoice, to send us the pictures, all that kind of stuff, just to prove that I did it, which is fine. I get that, you know, And but now they won't even reply back to my emails. Can I get an update? What's going on? Could send the checkout? It's just crickets from them. Okay, here, here I have the name of the property management company, a phone number who I spoke with. That helps you. Why don't you do this?

Why don't you Why don't you find the owner itself from the tax records? That's what I would do. Really, the property out of Texas, it's a it's a it's a huge company. No, I'm talking. Wait so the owner. Okay, wait a minute, So the owner a big company. The owner is a big company too. Owner. Yeah, it's not like an individual owner. Correct. Nope, Oh I didn't know they rented up. Yeah, here's what I would do. You might Okay, how much is it going to be for their halts? I mean their half is

it's like two d and it's not much. But that's it. I didn't think that's it. They're they're giving me headichs overrit just going back and forth about it. But you know, you could do something crazy. Are you going to do the work? That's the way I've done it, and work's done. You did it, I got I have Yeah, I did it. I had to hire a couple of guys up to come do it. Hey, bro, you know what I'm going to say, right now you're gonna love it. Let's not put a mechanics lean on it. You have,

you have everything, you have everything you need to do that. Kay? No, So I would if I were you, I'd put a lien on it. What are you kidding me? Not much? You know who cares? You know what that'll get them? Tell me what happens? Will you win on this? I would put a lien on it? Okay? Okay, Well you would have to ask me that it's I don't know specifically. I'm not a contractor had to do it. But I can't tell you this. It's easy. Everyone tells me it's easy. So google it or

AI it or call I don't know. You know, you can technically have an attorney do it and had attorney's fees. But really I would try to do it myself if I were you, But I can't tell you how. I don't know how. I think there's a form. Okay, I promise you they're gonna freak. Now here's where they're gonna freak before you do it. Now, it hasn't been four months, has it since you ended the work? I submitted? It was it was late September September twenty seven.

God damn it. So you've finished the job in late September. Yeah wait October November. No, you didn't know, you didn't. You have to go out and do a few more touch ups today, okay, because you only have four months from the time the work stops. I'm not giving you legal advice. I'm not giving you tricky advice. I'm just saying I am sure you can find some touch up work that needs to be done, okay.

In fact, if it would be better, yeah, yeah, yeah, if you had yep, if you go out there and maybe your wife snaps a picture of you working on it today. Okay, because you only have four months now, once you finish the job, you have four months to do that. Lean. What I would do first is you have to do a ten day notice that will get you paid. Make sure you word that notice according to the law, that will get you paid more. Come in right up, go with a sure thing Denver's Best roofer Excel roofing dot

com. You don't pay a cent until you're content. Time for an insurance 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

three nine two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three all three seven one three talk three all three seven one three eight two five five. Randy has U Okay, Tony wants to talk about taxes. Then Randy wants to talk about truck purchase. Steven wants to talk about social services. Tony, what's happening. Welcome to the show. I'm Tom Martino.

Yeah, in the past I have I use Turbo tax have been a very simple act situation, and I've done it mostly and I owe about five K to the I R S in the past when I vowed more than a couple thousand dollars. When I get done with Turbo tax, it tells me, oh, you have to make estimated payments, which is fine. The question I have is I worked on my taxes we ago. Since I found that I'm a big chunk of change, I've changed withholding online in my wife's taxes

in order to not have such a shortfall next year. Okay, I ignore those estimated tax payments and that going to be a problem. What are you talking about estimated I don't even know what you talk about estimated tax. It's going to tell me actimate quarterly estimated tax. Well, you do if you're self employed or something like that. But you said you change the deduction.

So do you two both have regular W two salaries? Yes? Well, yeah, I mean if you under tom, if you underpay, regardless of you've got withholding or not, the IRIS is going to want you to make estimateds on top of that. Come on, yep, even if you're a W two, even if you're a W two, But what if you just

increase your deduction? So he's he's actually had a gut or decreases. And to his question, if you feel that you're increased with holdings is going to address that five thousand dollars shortfall next year, then you don't have to make those estimated tax deposits. But if you're off and you owe again, you're going to be penalized for that. Now, the rule is you have to pay at least ninety percent of the previous year. Is that what it is

or ninety percent of current or what what is the rule on us? It's one hundred percent of what you owe the previous year or ninety percent of what you think you're going to owe, whichever is greater. Okay, Okay, So it's five So for example, in his case, you'd have to have five thousand estimated tax deposits to be composed. So when you make those adjustments to your deductions, will you guys pay in another five grand? Yes? Okay, then you should be fine. Yeah, but you don't have any

self employment at all? No? No, how are you off that much? Do you have a lot of interest income and stuff? Well, to tell you the truth, my wife's son social Security. She's retired, so that that didn't withheld withhold anything. And can you choose to withhold with social or not? It depends. I mean I don't know that Tony. Can you choose to withhold with a Social Security that I'm familiar with? Yeah? I think you have to elect into it. It's not like an easy process.

So you just have to know that you're not getting any Okay, So where does it stand that the it doesn't the quarterly payments? Let me explain this to you. They're never required. They're only required if you want to. It's not a violation of the law not to do them. Is what

I'm saying is it's not like you have to pay tax. But theoretically you don't have to make estimated payments as long as you pay your tax if you're not going to owe, and if you don't care about penalty, and so the answer is, of course, you can adjust any way you want and then make sure and then hope that it works out. That's the answer. And if it doesn't, you pay a penalty. And you learned three oh three seven one, three eight, two five five or three oh three Martino.

We have more coming up on the trouble Shooter show. Go with a sure Thing, NVERS Best Roofer, Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find

out now three oh three seven seven to one help. You'll think you're his only customer When you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two Ripped. You need that so you don't have run as fas as we can. Shooter's gonna help come Dix is the Troubleshooter Show. No Tom Martino, Hi Tom Martino Here three oh three seven one three talk three oh three seven one

three eight two five five. Welcome to the only show of it's kind of anywhere in the universe. We love doing what we do here and this hour is brought to you by someone I credit with great health, and that's Grossmanwellness dot Com. See Grossman. I do what's called concierge. Every three months, I get a kind of an examine, uh, and a complete blood work that's weird, huh. But included in that are all the supplements you need based on blood work, and then most of your prescription drugs that hem

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we have Larce and tax relief with us. We were talking about your problems, question complaints, and we're gonna go right now and do that again. I'm gonna talk to Randy as a question out a truck issue. Randy, go ahead, what's going on? Randy? Hey, Tom, I just got a quick question. Yeah, I bought it. I bought a truck about a week ago, and then newer used used. Okay, it's a really nice truck. It's a ninety nine Dodge Ram with a just a

little over one hundred thousand miles on it. Wow. Yeah, it's it's a really nice truck. But so they put a dash cover on it, because those those ninety Dodges, the dashes always end up cracking and breaking. Mm hm. So I moved the dash cover and come to find out the VIN number that's supposed to be in the windshield is gone. Oh why was it ever? I mean, is there a ven number elsewhere on the car? There there is. I found the two, the one in the door

and the one underneath the hood, but I wasn't too sure. You know, somebody stole outan Where is that usually? Is that usually standard? Front? Left? Is it? Yes? So it's from the outside you can see it, right? Is that what they usually look down at the bottom right of the windshield when you're standing outside bottom left river side? Yeah, well, when you're outside, it's the bottom right. Oh yeah, okay, so huh wow. So if you have another VIN, is there a

law on that? I don't even know? I mean, uh, did you see if the VIN on the door jam or wherever matches the title? Right? As far, I bought it from a dealership, so I didn't actually see the title. It's because you took a loan. Yeah, okay, So how about on your registration? What's the registration it matches? And like I said, the door jam and the underneath to you know, I don't think it would bother me too much. I don't think it would even

I wouldn't say that it's a ninety nine. What are your concerns? Well, a couple? Is it legal to sell it with the VEN number missing? But here's what I want to ask you. And I don't mean I'm not trying to be a smarty pants. I'm just asking what difference does it make? At this point, if you like the truck and you bought it and you have a VEN number, why do you care about that? I'm just curious. Let's even say, even if it wasn't legal, why do

you care? Well, So, say if I move out of state and I have to get a VEN in session and okay, okay, okay, or if there's another truck driving around with that VIN number of underneath to dash, you know, and I understand if somebody took it. You mean, yeah, huh, so did you do ave in search of it to find out? I did? In serge it's a two owner car, a two owner car or truck, I mean, but it's not showing up anywhere else. No, I don't know. I mean, what are the chances.

I'm not trying to talk you out of doing something. I just don't want you to go through conniptions for no reason. What are the chances that you're going to move out of state and need a VENT inspection or sell it out of state? You know, you never really know. The company that I work for is all over the country, so you could be transferred out of state. Okay, did you ask your motor vehicle department what's up? Well, I just found it the other day. Is that I haven't? Did

you call the dealer? I called the dealer. They said they'd check into it, and of course, you know, they'll take their time and get back. What was it a used car, lot of pot loot or what? No, it was a new car Dealershipswagen. Oh crap, Greeley, God Almighty, I hate Greeley. I don't hate Greeley itself, every business in Greeley and every car dealer in Greeley and every politician in Greeley. So I guess I do hate Greeley. I hate the smell of Greeley. So

what else? What do I like about Greeley? Wow? Listen, here's what I'm thinking. I want to talk to our expert. I think what we should do. Katschina is called JFR Cars Rodney. He's a car dealer. I just want to run it by and see what he says. So hold on, I do want to see that could be a problem. So I'm going to mark this pending right now for JFR. And then and that's Rod Greer over there. Three oh three seven one three eight two five five

Steven, what's your issue with social services? Highste what's happening? I'm longtime fan. How are you good? I'm doing good and thanks for listening for a while. Man, So what's going on with social services? I've just had nothing but trouble with many Well look what do you mean though? Like, how did it all start? I've been disabled for like twenty five thirty years and thanks you so be a lot better. My insurance was better.

Everything was better, I was treated better, and it just keeps getting worse and worse and worse. Well, what's worse? Okay? I need to know what's happening that brought on the call? There? Something must have precipitated the call. I went to get up, my eye looked at I thought I had a contact when stuck, and I'm not sure. I didn't feel like they give me gives a good service. Now, where are you getting? Is this Medicaid? Oh? Yeah, I am in Boulder, Colorado?

Are you saying so? Your basic complaint is that Medicaid is deficient? Lately Medicare they twitched me to United Healthcare Medicare D problem. Hold on, I thought you just told me you're disabled. Yeah, how old are you Medicaid? I'm fifty four years old. I've been so. So you get Medicaid, not Medicare. No, I get Medicare eighty percent Medicaid Okay, okay, they pay for your code. So Medicaid is like your supplement, yes, sir, okay. And you're complaining about the Medicare part big ones

Medicaid. I get it. You're complaining. You're so you're on Social Security district. I'm just tired about like with all the the economy and the inflation, everybody gets compensated, so they're fine with it, but I keep getting skim it skimmed and lowered and stuff like that, and I don't understand that. Give me your latest example, Like you're saying that the medical issues me. You're saying that you need to get the highest you can get for food

stamps, EBT. Because I have to be on a special diet for one of my maladies. And I used to get it, then they cut it. Then I got like one thirty and then the next month. Do you have a case work Do you have a case worker, Steven, No, not really. I have a case worker for United Healthcare. They called theirself advisor because once they sign me up, they're done with me. They say, you have any other questions, probably your insurance. Here's here's what I

don't understand you have. You have a complaint with Medicare and with basically the providers, right, not the payment, but the providers. Is it the payment or is it the providers? Oh well, my payment like the IASNE went up a much, very much a large time and you grow up fifty bucks a year. Well, see you're calling. This is what I'm getting

at. I'm trying to narrow down your complaint because it may be Listen what I'm Stephen, what I'm trying to figure out if the complaints you have for payment and for service or healthcare, if there are those, if those are systematic, Okay, systemic, there's nothing that we can do about it. That it's just the way it is. I mean, I don't like saying that, but it's the truth. I mean, there's nothing we can do. I was wondering if there's a Space Pacific issue we can help you with.

I can't help you with the whole system specific issues, but I can't get into that today. I just don't want the emotions to come up a better rough day. Okay, here's what I can do, Stephen, Here's what we can do. No, it's really funny. Thank you for that, Stephen. If you could help me here, if you could hang on hold a Kachina will give you an email, if you can email us the part that you're really calling about, Okay, we can't help you with.

In general, Medicare sucks, United Healthcare sucks, the payment and reimbursement system sucks. The fact you're not getting raises sucks. We can't deal with it. But if there's something on your mind right now, an issue that we can help you with, feel free to email us. She'll give you the email and we'll we'll gladly help you with it. I mean just that we

can't address what we call systemic problems. Three O 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 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. Pay Tom Martino your troubleshooter three oh three seven one three talk three oh three seven one three a two five five. I certainly appreciate your questions, problems, complaints, keep them coming at three oh three Martino. Now you can call any time three oh three six

two seven eight four six six. If you're listening to a stream high, if you're exercising on the treadmill, just remember three oh three Martino. Leave your number, we'll call you back, or you can call live It three oh three seven one three talk seven one three eight two five five. So Gwen has a follow up and it was from two weeks ago a water heater. I'm not sure for some reason, I'm trying to find this call Gwen. Can you uh explain the situation? Did we give someone to work on

this? Oh oh wait wait wait wait was this way or let me get this straight. Is this where you had a furnace and a water heater put in and by quality builders and they didn't do a good they did something. Here's what it was. You did this addition as I remember, and they had to alter the plan because of the venting and all of that. So the plan made them alter it to where you needed another furnace, you had to replace your furnace so it could go horizontal, and then you needed to

vent your water heater. And I thought they were taken care of all of that. What's the problem right now? No, they're not taking care of it. And what needs to be done right now to make it livable? What needs to be done A new water heater? Okay, but the old water heater is still there. They never did. They never took it out. No, and why is the new water heat? Why is the old water heater not working? It's been ruined with the kit they put on it.

And what kind of kit did they put on? A horizontal vent? Yes, a vent horizontal and that ruined the water heater. Do they acknowledge? They do? They acknowledge they ruined the water heater? No? How old is your water here? Five? Okay? Not that old? What kind is it? Do you know? No? Huh? What size is it? Blum home depot gallon? It's a fifty gallon so at at euro Plumbing Colorado dot net for that fifty gallon. It would cost you approximately fourteen

ninety nine, fourteen ninety nine. And what do they say at quality builders about this? Do they say that's your problem? It did not break because of us? What are they saying? Yes, they're saying it passed res And I've had Tipping Hat and Plumbline come out and say that it's then legally And oh did plumb Line look at it? Yes? How much did Plumbline say it would take to fix it? Fifty seven? So it's more,

why did they say they had to do something special? They have to replace it and they would throw in a free I think it's an extra gallon thing. Okay, it's a it's a yeah, I know it's so listen, what about Tipping Hat. Tipping Hat has a seven thousand gear forever warranty, forever warranty. But they're gonna they would charge you seven grand to do it? Yes, yeah, I wouldn't do that. They would fix the leaking of the furnace. Also, wait a minute, why is the furnace leaking

because they didn't do a good job there either. Did Plumbline put that in their estimate too? I believe so? Well? Kind of so, so they installed the new furnace the wrong way, and they installed the water heater and ruined it. Yes, it cannot be corrected. They have to do it. So quality builders, are they simply washing their hands? Yes? What the hell's now? I noticed here? I had Deputy Dollar on this. Dollar you're there, did you Dollar? Do you recall this case?

It was assigned to you? Yeah? Yeah, that's coming back to me. Well what happened, man? I mean Equality Builders dropped the ball on this thing, Yes they did. I don't have any notes on this at all, but I know that they should fix what they they put in there? Why aren't they fixing it? Now? Listen, you know that's where we go first? Then what I would do? I want Dollar to take another stab at this, Yeah, because I think originally I she'd cut gotten

the name from Angie's list. Yeah, I remember this. Still Still we need to get on this sucker. We need to figure out We just had to figure out who is at quality that will address the damn thing? Right? All right? You had me get two estimates and then said we're not doing it. It's your problem. Dollar. Can you follow up on this day and then just see what they say? Yes, I just totally am

stressed about this. Quality builders. This is a possible sleeze brigade. But as I remember it, I thought you reported that you didn't think they were that bad after you talk to them. I think I made notes here. I'm looking at the call. Just let's revisit this. Thank you for letting us know. Gwenn, we don't like you know, we like to help as much as we can, so we will. Now, did we ever get JFR cars on for the UH for the VIN thing? What happened to

that caller? So he had to actually go, but I gave him that number and him and Rot and I also texted Rod, so they're gonna line themselves up offline. Well, thank you for helping him out. Three h three seven one three eight two five five. Yeah, it's really really difficult when that kind of stuff happens with a car and Vin's because it could be difficult to get it inspected if you needed to. If that VIN number tag

is not on the dash on the left side. As you're sitting in your car the lower left, you know, it's right in the corner there where the windshield meets the dag. We can all see that little metal embroidered, I don't know imbossed, or I don't know what the word is. It's stamped. Maybe maybe that's the better word. Okay, So we have more coming up on the Troubleshooter Show three O three seven to one, three eight two five five. Go with a sure thing Denver's best roofer Excel Roofing dot

com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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, your troubleshoot three or three seven to one to three talk three LL three seven one three eight two five five. Gareth has a issue with Excel Energy. Gareth, what's happening? Oh hey, Tom, thank you so much for taking my call. You listen to your show every morning anyway, Thank you? I live Uh Ever, you know we had that big storm on Saturday, and my power has been out ever since then, ever since Saturday from the winds.

Yes, uh huh wow, and uh it's Tuesday now and I haven't had an electricity since then. I've tried to call Excel and you know, they're not they responsive, They didn't keep me updated. So there's a tree in my neighbor's house that fell on the line and it's still sitting. There's a huge tree with a seven foot root ball and it's leaning against the lion and it's almost hitting the neighbor's house and nobody's come out to deal with it.

And uh Le's called and well and you've called and you've not gotten a response. Well, they did respond eventually, and it's well, we're going to get to it maybe by ten o'clock to night. And I ended this morning. There's no linemen out there, there's no tree service. How many people are affected? Well, my whole household. They did get the power grun across the street, and the neighbors over the other street, everything else nine

has all the power restored, but still nothing in our homes. I've had had heat for three days, no hot water and being spongebats and it is this crazy. I mean, I didn't realize there are people still. Now you say you don't know how many people are really affected. Well, my household, it's five people, a tortoise making No, I'm talking about like, is it the neighborhood. Yeah, it's just our one street. And I understand there's a huge tree, it's probably forty foot trees sitting on the

line. And they always think peopet from the house. Yeah, you think they would come out and give us a little priority here and then add insulted in on the physician. So I came out of my office to in Porton and the power went out. Now it's out till ten o'clock and I to cancel my health practice all day long, all my patients, you know, patients getting carried the garrett. Do you have your clinic right there at the house. No, No, No, it's my office and so and I

live in Applewood. Okay, So it's your office that's affected or your home. Well, well the home still affected. I came, Oh, you had to cancel because I get it. I get it. You had to cancel, not because of the clinic directly affected, but you are I get it. Well, No, my clinics oh, both my clinics. I cancel my holidays. So the powers out of my office, the powers out of my home. Oh my god, this is okay. Then this is bigger than I thought. I don't think I've read anywhere where power is still

out. I didn't know this. I want to call over and get a question. Let's uh call over. You know, unfortunately Excel doesn't have the media response they used to. They used to be very attentive to public inqurease. And I guess the point I'm trying to making. You know, they're trying to push this whole electrical outd You know, I took cars, electric furnaces. You know, I was fortunate. I have a gas stove, so I was able to heat up the kitchen and boil some water to wash

my face. But you know, it's kind of a I don't know sugactly live in a third world country anymore. And uh, you know, it's just uh and the's and I understand the active nature. But the fact that that I'm responsible and I just choose it's in your opinion is of course I had to throw all my feet away you mean against Excel. Well, I

mean I was silly not paying my bill next month. You know, it's just uh, you know, because it's I'll bet you they're going to bill you and expect to be paid for what you use, you know, I mean, obviously you're not going to be paid where it's not being metered. Right now, you're not using any power. But I think we need to call over there and find out what's happening. I did not realize that there

were people still out of power. It's not a huge amount. It's just maybe my whole street and then a couple of streets, so that's that's a lot. Did you get any indication when they'll be out there? Well, this morning I went out there and see the alignment. There's no tree gut right and I understand that. You know, it's a huge tree, and I get it. I want to listen. I know. I gave Deputy Dollar a couple of things to call on Kachina, either him or maybe you

can call. Do we have a media contact over there anymore? I know they're they're pretty deficient. Yeah, they are few and far between. Let me see what I can do. I just want to try to get someone to address I don't, you know, we need to find out what area he's talking about. And then what I'd really like to know is, I mean, obviously we can't make them go over there and fix it right this minute, but I'll bet you, I'll bet you though we can at least

light a fire. I mean, I got to figure out why this is happening. I mean, okay, we're going. I'm going to the map and I want to see what's that in all parents, It's a huge tree. It's probably it's in seven foot reetfall. It's probably a sixth footh diameter of pine tree that went. It's it's resting on the lion. So current outages right now? Have you looked at them? You know? I looked at it and my neighbor's not blue and it was red. Now it's blue.

So I don't know if they're just ignoring us, so they're not going to show up, or well, no, blue just means it's under fifty Yeah, okay, sod undred. Yet's not a huge sloth of people. It's just the one area with the lion. The tree is resting on the lion. Huh. This is They pay their CEO seven three three million dollars last year and they spent a lot of money putting smart leaders, so they could charge me a lot more money. So you think the service, So

give me the address of your clinic. I want to see what it says. Well, this is a different situation altogether. I mean they had intelt the injury. My home's out and I came to my office to work today and then the power went out here it's out till ten o'clock and I could cancel the whole clinic. I'm going to charge my phone and charge my retargeable white, but my house. So it's just okay, give me the give me a number, not necessarily your number, but a number and street.

Where is it? Well, my house is in uh it's stop. Thirty second in young Field. Thirty second in young Field. Okay, I'm just trying to get a map here. Thirty second in young Field. Okay, okay, I got it. I got it. Hold on, I got it. Hold on. So I'm looking at it. Yeah, there are like pockets of fifty people here and there. Yes, what a pain in the ass that is. I know, it's just like I haven't had a heat. I have to just spond. Look, I lived in a soulal

counstries. I know how to deal with this kind of stuff. But you know, this is America. I think what they're saying is is that this is going to be fixed today. Did you see that? I didn't see that, But the fact that you know, I left to go to work at nine and there still knows time. If anyone is wondering what I'm doing, I went to the Excel website and you find outages. You go there,

you put it under. It's a pretty damn good map and it shows you what's out, how many people are affected, and if there are multiple outages, and there are multiple outages with fifty or less impacted, so what I think, Yes, I'd still like to make that general inquiry. I'm sure they're going to say, well, well, you know we're doing it. Who knows it? Says check your status here, and that's what I put in. And you did you do this on Excel? Did you go

on and put your actual account number into check your status? You know I haven't done that yet. Gan. Why don't you do that because every time you do that, that inquiry goes to them. I would do that and let us know what you find out. I can't do it. I got to put in your account number, So I would go to Excel Now to find outages. You don't have to have anycount number, but to check the status of where exactly you are you have to have an account number. So

go to Excel Energy and let me know what you find. 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. Please time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three

seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talk three all three seven one three eight two five five. We have Steve Cisick with us from Larson Tax Relief Plus. We

have another hour to go. We want to take your calls at three ozho three seven to one three talk or three oh three Martino three oh three six two seven eight, four, six six. Listen. Even if you have a small problem that's just starting, it's better to talk now and get some general advice and waiting for it to fall apart or hoping that it's going to

be fixed. And we can talk about anything from your house to your car, to your career, to your finances, to everything everything buying and selling, what to buy, where to buy, when to buy, why to buy, and who to avoid three oh three seven to one three talk Now, let's go, Steve. I have some questions that were facts to us. One is about, uh, they didn't get a chance to get this entity done. They have to file tax, but they know they're not going

to owe money. So is there a real consequence to not filing right on time? For that particular one depends on the type of entity. If it's an eleven twenty year and eleven twenty ess and what the hell does that mean? I mean like it's an LLC. If it's an LLC and it's going to be attached to their ten forty, which is called a schedule. See the necessarily you don't have to report on there if there wasn't any you know, expenses, you don't it's a standalone LLC with partners or not partners,

but other well, yeah, other members. Like so let's say there's three members. That's what this guy is saying. I know the company three members LLC. They didn't have much business and they don't have no profit. They have no profit, no tax do but they just didn't get around of filing. Yeah, so they're going to get penalized. They need to file, you know. I thought it's penalty based on what you owe. It's no,

not necessarily you still have to file the return. It's an informational return, you know, So especially if there's partners, what would they what would they penalize? You do? You know there is a penalty per partner really like ten thousand dollars. It can be if there's you know, enough partners. So isn't it shouldn't They just put in any kind of extension and that would have ship. But I thought they I thought entities were a month earlier

than Yeah, at this point they're late. They should file something. And if this is their first return and they haven't had a previous return that was owed, they can actually file to get those penalties waived. So just file it, and there's a farm eight forty three. You can just file it and say, you know, first time at batement's what it's called, and they'll wave those penalties for the first one and then moving forward, just file

it even if you don't anything. You know, typically you want to file on personal taxes, the penalty is tied to exactly what you oh, exactly, So there are no penalties if you don't. Oh no, not on

the personal tax. But if you don't file because you think you don't owe and you keep doing that, then they can file for you and they may assume you all right, Well, at that point they just throw the book at you because you get no deductions, you get no expenses, you get none of the you know, the things that would make it so that you don't know, So just file it. Substitute return for you. Oh yeah, they will. And what is that based on? Well, how do

they estimate incomes and stuff? So essentially the irs is going to get a bunch of documentation from people that are two two's anything the mortgage company sends them, you know, all sorts of things, and then they're going to look at that and then they're going to generate a return based upon their perceived income that you've received. Now there's an age old problem I want to send I want to talk to you about, and that's called matching ten ninety nine Again,

I know you love this one. There are companies that keep track of income religiously and they report their income. Now the ten ninety nine are separate, but they're included in that amount. So let's say you have ten ten ninety nine's at one hundred bucks eats, right, so you have one thousand dollars of income. Now you report on SCHEDULECEE or wherever wherever you report it, you report the thousand dollars income, but you report it as ABC LLC

or ABC tom Right doing business whatever. So you include the ten ninety ninees or not? You include them, right if you have them. But do you say on that schedule somewhere that these ten ninety nine are incorporating into that amount you need too or else? Do you have to go line by line? Yeah? So they want to. It sucks. I mean, really, what do you do if you have a The way that Dais looks at it is they say, okay, well there's one thousand dollars of income.

We're gonna go ahead and accept his his you know, voluntary reporting on that. We see all these other income components that he hasn't listed. Oh, we're going to add those two now right when you yes, what do you do? You got to match? You have to match him or else they're going to add that to you as an additionally. Wow, okay, we have more coming up. If you have questions. You're a business, now's the chance three oh three seven one three talk or three oh three Martino go

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

Yeah, ripped up news need advice so you don't have come Running's just as fast as we can. Shooter's gonna help coming. Man Dix is the Troubleshooter show No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three all three seven to one three talk is our number for the station here and then three all three seven one three eight two five five. So what we can do is take calls also at three oh three Martino three oh three six two seven eight four six six, and you can leave a

message if we're not there on that one and we'll call you back. You can call that twenty four to seven through Martinez. Hey Brad, what's going on? Hi? Tom? I have a question about whether or not an HOA is way out of line. Okay, I'll give you my opinion, or maybe we can weigh in with somebody on the legal aspect. But first, just tell your story, Brad. Okay, I have a neighbor whose house has been on the market for about seven months, and I've come to

learn that they have had ten offers on their house. But the lady that's in charge of the arc committee or architectural committee apparently has been interviewing the buyers and feeding them a bunch of information, and all ten offers have been withdrawn because of HOA issues. Now, what do you mean do you know why they were withdrawn? After talking to who what what is her position of the arts committee? Hold on the Are you saying ARC our ARC the stand for

architectural committee? Okay, like the ones who enforced covenants? Yeah, uh huh okay, I don't understand. Why would she even interview them? I don't get it. Well I don't either. I don't think they have any right to butt in between the buyer and the seller of a of a property. Well, what I don't understand is like, for example, how does the how does the are the the Architectural Review Board even know that there is an offer on the house? How do they contact the buyer? How does

this happen? I doubt I'm not sure. Well, see, Brad, I need all of this information to see if it's tortious interference or if they're doing what's called a fiduciary or a potential fiduciary a favor. I mean, there's really that much leeway. Are they doing something out of duty or are they interfering? What do you think? I mean, what did the neighbor tell you? Well, apparently some of the perspective buyers have contacted the HOA just I guess just to talk about it. Well, you know what that's

a good thing. Most buyers or their agents should contact the HOA, and when they do, they say something like this, I'm thinking of buying the house at one two three Mulberry Street, and I'd like to know the condition of the HOA or whatever. And the HOA then says, well, let's meet with you, or they talk to them on the phone or what. But yeah, unfortunately I don't have a lot of Well see that's what I

mean, Brad. I mean, I don't chastise you for calling. That's fine, but I don't know I even have enough information to go on. So is it something like this, the house has some architectural problems that have to be fixed to come up to covedence? What do you think is being said? Has anyone shared with you what's being said? Not specifically? Okay, Well then then I can't help you. You suspect though, that the HOA is interfering, and I can say this, hold on, there is

no interference. If someone buying a house calls the HOA and the HOA renders opinions, now I just don't know unless unless they're giving editorials. I don't know, So can we, Brad? Is your concerned about this. Oh yeah, they're very disturbed about it. Did they know you're calling me? I know? Can you ask them to call us for help? Seriously? This could be an issue or not. Did any of the buyers ever tell him why they withdrew their offer? They just said because of h o A

issues. What did you know what issues they are? No? I don't. I'm My biggest thing that I was concerned about is does h o A have any right at all? But in between a buyer and a sewer? Okay, Brad, you keep asking the same question. I keep giving you the same answer. The answer is if they are budding in, is it one information that is truthful requested by a potential buyer or is it too tortious interference? What do you think? We don't know yet? And why do

we not know because we don't know the circumstances of the conversations. So what I'm gonna do is what's that I'll do like you said, and pass it on to the UH, to the feller. Here's what I would say. I would say to your neighbor. Hey, you know, Tom Martino listened to this and said it could be one of two things. It could be serious or not but you maybe want to find out and then say if you

want, he'd be happy to talk to you. In fact, Brad, what you could do is just give him the three Well, give them three h three Martino and then if they just mention you, Brad, you know, recommended I call, We'll take the call. I would love to hear from them because I don't know what's going on now. I will tell you this. There have been crazy stories in the past where hoa is if they don't want someone there, will lie that's tortious interference or say things about,

well did you know that house had foundation problems? Or you know, if I were you, I'd look twice because our ha is in big trouble and we're going to have a massive, you know, appraisal or assessment. So it could be someone being devious. We just have to know more details, right and then we've had cases also, we've also had cases where neighbors did not want someone to sell the house because I don't know why. They were

just jerks and they would literally start threatening the neighbor. Not threatening, but they put up signs. One guy I want to remember one time put up a sign that says we play loud music and party all night long. The neighbor put that up on their yard. Now, if you're going to find a house and you see this big handwritten you know, wouldn't you think okay, turn around to leave. Because the last thing anyone wants as soon as they move into a house is or I have vicious dogs, play loud music

and party all night long. I mean, the last thing you want, even if you love the house, is a problem in the neighborhood. So yeah, have them call me back three oh three seven to one three talk three all three seven one three eight two five five more with Larsen, tax relief and anything else you have on your mind. Right after this, go with a sure thing Denver's Best roofer Excel Roofing dot 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 all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. Three all three seven one three talk seven one three

eight two five five. We have Steve Cizik with us from Larsen tax Relief dot Com. And we have some questions for Steve. And uh, let me just hear. I just saw it some time on a tax question. I filed taxes. Okay, let's see tax question in twenty twenty three. I filed. Let me just make this a little bigger here, okay. I filed taxes for twenty twenty one. I was late. It calculated my child tax credit as two grand. However, I got an IRS letter indicating

I receive fifteen hundred as an average as an advanced tax credit. I don't understand what that means. Do you know what he said? I'm not really sure it okay, okay, And it says therefore only five hundred credit will be applied. Oh, they said he had already gotten some kind I never even heard of an advanced child credit, have you There was a Yeah, there's an increased credit with some changes to the law under Trump. So you're getting more money. First, he says, I never got fifteen hundred,

So what do I do. I only got so he's claiming they're not giving him as his tax credit because he already had gotten it, but he didn't get it. And I'm not a caller or texter, I'm not exact exactly sure. How can I verify the fifteen hundred was sent and where it went? So let's talk about that in general. If payments were sent and hijacked or whatever, what do you do? Does the IRS keep track of where they sent it and when they sent it? Well, I guess the first

step was to see if they sent it. So that's when you call the taxpayer transcript Okay, call the advocant. Well, yes, well if they sent if they're if they proved on the transcript, or they have record that the IRIS sent the check, so it'll say on the transcript fifteen hundred dollars refund or whatever it is. And you didn't receive it, that's when you didn't need to connect with the advocates. Say hey, and I have never received it. He got a letter saying you got an advanced childcare credit and

he's not childcare. But what if they actually call it it's a child tax credit, which again I never heard of. But I mean, that's just it's it below the line credit. Yeah, it's just basically, if you don't owe anything, you almost you get that money back. Okay. Also, here's the next one. Then, so he calls taxpayers that could asked for a transcript of that check or where it was sent, and they'll okay. So if it was cash but it was fraud, what do they do

about that? So if you can prove that the check went out and was cashed not into your account, then advocate can actually help you to get that money back. Okay. Yeah, the diires will eat that. It's a it's okay, fulating. That's really good to know. Here's the next one. I owe taxes from twoy eleven to twenty twelve as a result as a result of an audit in twenty thirteen. So I guess he owes taxes from eleven to twelve based on a twenty thirteen audit. So two years he owes

taxes. I have read that they won't come after me after ten years. So since this was eleven and twelve, do I have anything to worry about? So the collection statutes are essentially a ten year statute from the date in which the assessment was made or the date in which the return was It was

it made in twenty thirteen on the audits, that's the question. So if he was audited in thirteen, potentially the audit carried through to fourteen or fifteen, so you'd have to look and see when they actually assessed him with those additional balances, and that's when the clock starts. So if it was made, why I need to do anything, he asked, Well, you know, at this point you can call and find out when those assessments were made

and then you can do that calculation. And actually that year, they absolutely can't do anything right unless there's been anything to delay it, which so if you fileffer and compromise or an appeal or something, that can tell that statute. But if it's just been running and let's say it was July have twenty twenty three, it should have expired by now, okay, now twenty thirteen. Now, speaking of taxes and finance and all of that, here's the

report from this month or late last month, so it's brand new. For the first quarter. Business optimism is the lowest it's been since two thousand and twelve. Now, what is a small business optimism Index. What is it? What it is is a perception of what small businesses think of the economy and their outlook. It's not necessarily something that has happened. It's not a

lagging indicator. It's more of a leading indicator, right, because this is if they believe that there must be a reason, or you could consider it a lagging indicator, meaning what has been going on leads them to believe this. However, it doesn't matter. But it is the research foundation for the Small Business Economic Trends Council. Here's the thing. There's an organization that put this together called n FIB, and NFIB is what they call themselves is the

Voice of Small Businessiness. And they put together this Optimism Index, and it's usually for small business. So here's what they measure. Your plans to increase employment. That's an indicator, that's a leading indicator. And they say eleven percent, meaning eleven percent will that's a small number, all right? Then they give that a score. Plans to make capital outlays only twenty percent, really bad right for small business. Listen to this one. Plans to increase

inventories negative seven percent? I mean that now, listen to this. Do you expect the economy to improve negative thirty six percent. Now, let me tell you something. Even though they call these percent indexes, when does perception become reality. Well, let's put it this way. If they don't believe the economy is going to be good, they're going to hedge. They're going

to protect themselves, right, They're not going to spend as much. They're not going to make big capital investments, and they're not going to hire. They're going to what I call be in a defensive position. In a defensive position, then you have them spending less, hiring less, and you have it leading into the market. If several small businesses do that, do they

expect sales to go up? No? Eighteen percent. Here's what they figure, a negative eighteen percent in sales, that's the average on this survey. They also believe current job openings right now are way less than what the administration is reporting. They say only thirty seven percent of small businesses are even looking to hire. Negative eight percent. Is on whether whether or not you expect good credit conditions. Is it a good time to expand four percent of the

businesses say no, I mean yes, yes, only four percent. Ninety six percent say not. A good time to expand next earnings trends. What are their actual earning trends. They're downward negative. Twenty nine percent believe that's that's how bad they believe the perception is for earning trends. So that's a big problem. And that and perception a lot of times can dictate how businesses operate. Well, it dictates how people spend money. I mean, it's

it really is a real thing. When people believe. For example, a guy who feels he may be laid off. He's not, but he feels he might be, he might put off a car purchase. If he puts off a car purchase, that's going to affect the manufacturers, dealers, salespeople, AH support staff, sure gasoline, and anecdotally, I mean, I have these conversations a lot because it is tax season, and I have a lot of business owners calling me and saying, well, I owe all these

taxes. You know, well, how can I pay all these the economy is going to be so bad. But then you look at their p and L and their taxes. There's a reason why they owe so much taxes because they had a banner year. And the perception and reality are two different things. It's it's something that these business owners have to get their head wrapped around. It's like, yes, I know that there's pessimism in the economy right now, but if you actually look at your books, you're doing really well.

If you look at real a coincidental current indicators, there's not many bad ones. Right. No, they're doing very well now. But that doesn't mean that in three months. They know you do that very well. But why, I wonder why? And listen, I'm not a big fan. I'm not a big critic. I don't want to get into the politics of Biden. But he has not gotten credit for anything, even the positive indicators. But they do blame them for the inflation and for rising gas and for

other things. Now, I'm not saying, you know, let's all get on byden Society's a great guy. But truly, the indicators of the economy do not indicate how bad. People think. It is exactly right, exactly right, and so they're preparing for this eventual what they're worried about so crazy, which is a crazy thing could happen. A lot of these positive things

can turn negative because people expect them to God speak them into existence. Right, So yeah, I think the negative connotations in the economy right now are not reflective of the economy, but that doesn't mean that it may not lead to that because of the way that people are perceiving it, which is interesting. It doesn't follow any current economic theory. That for me, it's hard to track because I would like people's opinions on that, even my YouTube morons.

Speaking of YouTube morons, one ass what's going on with that Santa Fe and Planet Hyundai. Uh well, I'm going to ask, I believe who did I ask to call over there, Deputy Chopper, And we're going to follow that up right after this go with a sure thing Denver's Best Roofer Excel

Roofing dot com. You don't pay a cent until you're content than 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 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 qualitative Hi Tom Martino. You are a troubleshooter. Three oh three seven one three talk three oh three seven one three eight two five five. What's going on in your life? You know it's really David. Uh it's really hard face. I'm going to go to you chopper in a second here. Uh so hang on with that planet Hyundai. We want to know what you found out, David. What's going on with this apartment eviction? It looks serious to me? What's happening, David? David,

are you there, sir? Yes, I am. What's happening? All right? I'm seventy three years old. I had a stroke and I have a short time memory. So I would like to spend my problem to you, and then you ComNet me know what to do? Yeah, okay, tell tell me what's going on? You're seventy three? What's happening? Back in February, I wasn't able to pay my rent because I was sick and I have a part time job to how many payment for my rent? So I didn't pay and you were unable to pay rent. One month in

February, I didn't pay my rent. I got an eviction notice, so I was waiting for the summons to go to cart. Is that the only time you skipped rent? And then that's in February. I never got to summons to go to cart. And then in March I slipped rent again, and I never got an adviction notice from March, and I still never got an adviction of summons to go to cart. So come April, pourist. I took my one month rent down there for April, and I gave it

curious to ticket, but I asked about February March. It's because well, my bar is still looking at it. And then that's wait a minute, you didn't pay February, you didn't pay March, but you paid April. And you said you got an eviction notice but not a summons. No, I never got a summons. I got eviction one from February, but I never got addiction one from March. They don't have to give you another one for March. There's just one eviction notice. Then they served you with a

summons. I got that last night after Okay, see, you were under the impression they have to do every month. They don't, so they did it the right way. You got a notice, and now they filed for an eviction court action and you have to be in court when in seventeenth of what this month? Okay, so a what's that? No, it doesn't matter that April was applied. See that's the problem. You can apply it to April, but no matter, or you can apply it to February.

You can apply it, but no matter where you apply it, you're still two months behind. Will they give you any kind did you try to negotiate a repayment schedule for those two months? Oh? Not yet, something, I have to do it on the seventeenth. Well, and the seventeenth you go to court, right, and most likely all the judge does is validate that there's a lease and that it's a legit charge. The judge is not

going to work out a payment plan, nor even suggest one. You need to meet with them before you go to court, because once they go to court, you're gonna get an eviction order and then they're going to move you out. All right. Somebody telling me once they accepted April rent that they got to start the eviction over. No they don't, No, they don't. Okay, in the eviction notice, the thing you're calling a notice, did they ask for payment they have? Yeah, they said I have thirty

days to come up with the payment. Why didn't you? What's that? Why didn't you? I didn't have it? Oh, I see, okay, how much is your rent? How much is your rent? So you owe? You owe twenty nine hundred dollars for those two months, right right? Yes? Plus you owe probably legal fees. So what's the total you'd have to pay to get out of eviction? Is there an amount they will take? No, I haven't talked to nobody yet. Nobody. I haven't talked to nobody. No. No, they usually do want to talk.

They usually do want to settle. They don't want to go to court. If they don't have to, you have time to call them. But what difference does it? Well? No, no, it does make a difference. If you ask for a payment schedule, I will call them and talk to my learn who work with me. If you listen, would you call call us back if you can't? But the first thing I would do is all say you know, I got behind because blah blah blah, and then I want to make up the back rent. Can you give me a payment

schedule on top of my regular rent? That's what I would do, But don't don't go in their half cock thinking they can't evict you because you paid your rent. Once you're late on rent, they can start the eviction process until it's paid. They don't have to file every time you're late. You don't get a notice. Okay. I also was sold that they had to give me a summons to go to cart with you ten days I think after the eviction, after the thirty days up. So there is no no see

you look it. I don't know the exact process. I always I always get hung up on it. But here's here's what I want you to know. They probably have a right to do what they're doing, and to fight the process, says is stupid. And here's why. Here's why. It just starts the process again. Even if you were right, and you're not. But even if you were, it would start the process again. You would gain nothing. They're still going to evict you. Oh yeah, tell

me this, what tell me this? What good would it do if they had to start the process again for you? How would that change your life? Nothing? Change nothing? Right. The only thing that would change something is if you could pay it back somehow. I'm a concien make I'll pay you. Why don't you do that? Would you call us back. I'm

gonna mark this down so I remember you. You call us back, okay, David, all right, no seriously, and like I said, when you do it, don't make it sound like, Hey, you guys didn't evict me, right, you didn't give me the right notice and right time. Just say, listen, I have to go to court. Is there a way we can settle this beforehand? I am willing to go on a payment plan. I'm disabled. I had a stroke. Then call me back. Okay, all right, let me know. Thank you, David,

thank you. Let me know. I hope that works. We have more coming up. Three oh three, seven to one three. Talk Genesis Total Exteriors. What do they do? They're going to do your complete storm damage on one invoice. They all sorre stucco experts, and you have one source to deal with 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 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 O three seven one three talk seven one three talk seven

one three two five five. Deputy Chopper, we have this Planet Hyundai situation that advertised a vehicle and wouldn't sell it for that price. We've had other complaints about that happening with Planet Hyundai, and I asked a simple question. We identified a vehicle on their website. They had a price on it. I wanted to know, will they sell it for that? What did they say? The problem, they said was the webmaster had put in the wrong amounts. I give it. That's okay. That would be the second time

he put in the wrong amount. Then okay, But this thing really just got weird. I talked to the sales manager. He says, they will sell them for the price that they had showed thirty seven. Uh no, actually they wanted thirty eight two oh seven. When I talked to him, right that was on the website. Right. However, just now the price of that car has dropped down to thirty five seven oh seven. Why, I just looked at it, and he says he will sell it for that

price. However, the trailer, hitch and installed everything will be an additional eight hundred and fifty eight dollars. But eight hundred and fifty eight and thirty five seven oh seven is just about what that tim wanted. So I want to call it right, and it is what he wanted. But see, here's the problem with these people. They advertise I see it now, it's now thirty five seven, but they still have the damn toe package listed as

an option, when really that's an extra eight hundred dollars. That's true, but let me tell you what they say. The toe package on the Santa Cruz is only the wiring from let's say, the tail light to the receiver. It doesn't hook up to the receiver. So when you look on for what a but does it have a receiver? No, okay, that's not part of it. It's just the wiring that would go down to the receiver. Then then is that is that is that proper to call it a toe

package? I know that's not such a big deal. But is it proper to call it a toe package? I would call it a wiring package. Yeah, I mean, you know this is a great price. Did you talk to Tim because he should go buy it. He was willing to pay that in the very beginning. No, the price just dropped as I was getting ready to, Okay, call him. Do you have his number? Yes? I do. Tim. I don't know if it was because of us, but that damn price went down to thirty five seven oh seven.

And even let's not even argue about the toe package, because even if you add the dang toe package, what does it come to. Did you actually do the math on the thirty five to seven oh seven? What did he say it was gonna cost? Eight eight fifty eight equals thirty six five sixty five. So for thirty six five sixty five, Bro, you get that one you wanted with the toe package you wanted. And that's a great deed. Tom. There's one more quick, go ahead, quick, he said,

go to U haul for the toe package. They're cheaper. Oh cool? All right? Hey, by the way, uh, Larsontax Relief dot Com thanks for being here. Eight four to four Larsen Tax that's eight four four Larsen Tax and Steve Sizzek, thanks for being here, and don't forget three Zho three Martino for help.