The Troubleshooter 5-23-24

Yeah, ripped dum news needed by who you don't have? Come Running's just as fast as we can. Shooter's gonna help coming man. This is the Troubleshooter Show. No tell Martino. Hello people, I'm here to help you, solve your problems, answer your questions, take your complaints, and make your life just a little easier. That's what I do each and every day. And my number is three oh three seven one three. Talk when I'm in the studio and when I'm not in the studio, well, meaning twenty

four to seven. You can call three oh three Martino. You can also call when we're in the studio, so that number works all the time. Three oh three six two seven eight four six' six. That's three oh three Martino. And really, if you call that number, you leave a message, we'll get back to you like we did with Milton, I assume and anyone else who has a problem. The secret with problems is not letting them fester, because that is where they get worse and worse and worse and

worse and worse. And we want to solve problems, we really do. And then in a little while I'm going to introduce my guests because it's one of my favorite when it comes to the real truth behind solar And also I'd like to talk to you about something else that a little problem I had. I'm just going to get right to it. It's a little personal tragedy. Bing is down and my AI is down. I did not know how much I depended on Copilot. Yep. I have the smart app on my home

I have it on my computer. I got so used to just picking it up, hitting the button and saying, you know, blah blah blah blah blah, and then it comes back with an answer. Getting into Google and typing into the search engine and all that. That's old school, man. I just love AI for a certain reason. I don't like AI if you don't ask it about anything at all, anything at all that has to do

with social or philosophy or religion, anything. Don't even ask Okay, but if you need to ask it stuff black and white stuff or facts and science and figures. And I happen to be doing a lot of stuff in my other life with finances and securities, and I ask it all kinds of questions and it's just remarkable, people, I swear to you, it is remarkable. It is in fact this technology. Here's what it's called the large language model. And by the way, I have my own theory on that.

I think is there are outer space aliens that came here to Earth to do this. I don't think anybody programmed it. I think it's it's weird. But anyway, here's the deal. Seriously, AI, this large language model recognizes phrases, words, and the way you put it, it gets to know you and then it goes out and finds the information and almost instantly puts it into an answer and chats back to you. It can also do other things. So here's what I say. Whyever, like when I get in

my car, I thought it was amazing. I remember when I got this car and I showed marky, Mark, I can talk to my car. And so, you know, you give your car a name. That's the wake word, and so we gave it a name, and so so you say, hey car, you know whatever the name is, and it comes alive and you say, you know, set frequency to ninety two point two okay, boom, or you can say turn the heat on or turn the air. That's fine, but it doesn't do a large language model. You

have to give it the commands it knows. But I see incorporated now in everything will be large language models. And here's how I see it. And you know it's going to happen. You're in your kitchen. You give your oven a name, oven, oven set ten three seventy five, or better yet, oven I want to I want to broil steaks to medium rare, I mean whatever, and they're two pounds, or or I want to or dishwasher set yourself to come on eight o'clock tonight. It's just amazing what this

can do. Anyway, And I know you a lot of people don't care, they don't give a rip about technology. I happen to be one of these guys that just it just freaks me out. And I think of all these applications, But why would you ever in a million years ever, you know, you remember had the old joke about setting your VCR way you would set it to record stuff or but think about this, there's not one thing we have in our home that would not be able to take the large language

model. Now, for all you old farts like me or older who think, oh I don't want that stuff, it's actually easier because that kind of if thing makes life easier. You don't have to type anything, you don't have to remember commands, you don't have to get into a menu. My god, have you ever seen menus nowadays on new stuff? You know, there's different levels of menus. You go here and then there, and then here and then there. So that's what I see coming. I really do

in the very very very near future. The idea of having to go into a menu and set stuff is ridiculous. It's the same with temperatures in your home, you know, thermostat seventy two degrees boom. Anyway, let me go to the phones, Milton, what's going on with you? Milton? What's happening time? I bought a brand new motor home in February. Where, Wow, Milton, what kind? I think motor homes are fantastic, but sometimes people have problems when I mean, where did you buy it?

In? What kind? Okay? Where I was? My wife and I were looking for a particular model. We wanted a code red hark and I looked on the internet for one. The twenty threes that were still on the lot were about twenty thousand dollars cheaper than a twenty four And it's basically the same unit. Where'd you buy it? I bought it from a dealer in Texas, Canada. Greg Gard Marine An RV was the JCO dealer. I called him up and they were asking ninety nine nine something, and basically I

told him what I was looking for. And there's like eight or ten of them for sale on RV trader, all the brand new, all the same price, and I told him I was up front with him. I said, listen, I'm going to buy it from the most reputable dealer who is more convenient for me to get to and gives me the best deal. I said, what's your best deal? And the guy says, well, booking you Ford. So I said, okay, ninety thousand, figuring that he's going to come back at me, you know, ninety five or ninety six

like that. But anyway, make a long slury shot. He said, I'll call you back in a few minutes. Yeah, but tell me what you paid for it. Let's get to the problem so I can help you, okay. I was surprised that he jumped at it that quick. So anyway, I made arrangements to pick it up and he got pushed back about a week because you said the power converter wasn't working properly, and they want to make sure everything is good before. This is the over of the cab

Giant van. Right, Yes, it's a Class C. Yeah, it's on a count of one four shifty casting. Yeah, they're pretty nice. How many is it like twenty eight twenty six feet twenty six? Yeah? Okay, so what's going on? Okay? So they told me he had to get the power convert and wain a week and so anyway, arranged to pick it up on the nineteenth I think it was, And when I get there, they said they're so hip problem with power converter, so they didn't

get it fixed that day. So I had no place to go because they had already checked out of the hotel, and so they they were nice enough to allow me to stay in the RB. They had it plugged in overnight, so I was good. Yeah. The next day, the guy's under there working on it, trying to figure out why this brand new powerker bird is still not working and drilling holes in the frame. Well, tell me this, why why did you go through with the sail? Well? I

went through the sale because they got everything working. He told me, Hey, oh, it was just it was just an effective ground I took care of it. Everything's good now and everything was working and I was anxious to get back home, my white bone white. So what's the problem now? Well I found out why he had to put a new ground wire on it because the original ground wire had rusted off. And when I got it home, and why wasn't rusting? Was it in water? I don't think it

was in water. I checked with Jaco. They delivered this in December. So where are we going with it? Bro? What's going on? Okay? Well, I said you a report it shows all the things that are rusted underneath air. They well, how did it get rusted under a brand new motor home? How did that happen? I can only assume that it ran through madchlor Ride and saw on the winter roads, and then it sat on his lot with that stuff never being washed off? How many miles on

it? And come on, that frame should be a little resistant to whether, for God's sakes, it's a motor home. But I want to ask this, okay, and this is important. Didn't you check this out before you bought it? Well? I didn't crawl underneath it. I've owned probably, I don't know eight motor homes of my life, and I've never seen one dis rusted. Okay, you know, I know that's fair. It was brand new. I get what you're saying. I get with you.

Anyway, let me ask you something. This was back in February. You took delivery. After that you have had it. Now, what do you want done now? Well, from the day from the town that I got home and I saw how bad this thing was, I called him up. I said, listen, this thing is. You know, it's terrible. I can't rely on it because I was born and raised in the walls everything there No, no, I get it. So why did you keep it?

I guessed it because I can't get any cooperation from the dealer. I told him I'd either replace his unit or getting my money back, and he said, you can't do that. Have you put any miles on it? I have not just the knowledge from tech right, do you have financing on this? No? Listen, I would be so pissed off too. But god, it's just like I see. I would feel it is a bit of a breach of contract. You bought something brand new and it was,

But how bad are we exaggerating with this rust problem? In other words, what would it cost to sand blast it and undercoat it? Well? I haven't got on that because because really, Milton, if it wasn't flood damaged, it really is not a disclosure issue. They didn't have to tell you anything because they probably didn't realize it. And what I want to know is this, is it unusual or can it just be fixed? Tom? Rushed when it gets into the wires, wiring and stuff. Well, you said

it's underneath from driving through, that doesn't get up inside wiring. I mean, how much wiring, for goodness sakes, is underneath underneath below the frame? Well, Tom, they already had to change the connections on the ground wire because yeah, but the ground wires different, that's different. That's to the frame. How many other what other systems are exposed to rust under there? Okay, the power ship of the leveling jacks is totally rusted and corroded.

It's still working, but it's totally rust and coroded. The little motor for the drowsy stepped in. Listen, listen, Milton, I will tell you this. If it was purchased as a new RV, I don't think I would have crawled under it either. I think it is. But it's not a disclosure issue because I think it would be really difficult to say they knew about it and should have told you. But I do believe, I do believe. What's that I said, they didn't know about it. They

fixed the rusty. I said, it's not a disclosure issue because they even if they knew there was a rusty ground, that doesn't lead to to Okay, now we see more rust we better tell them they don't have to listen. Do you want real weapons or not, because if you want to go after that, you're going to lose. If you want something you can fight them with. It's a simple breach of contract. It was not as represented. I mean, it's that simple, okay. And even if they then

it doesn't get into they didn't know or they did know. You simply bought something that was misrepresented. However, here's the problem. If we can't talk reason into these jerks, you're gonna have to sue them. That's why I'm asking you without and I know i'd feel the same way. You just bought a brand new RV and the last thing you want to do is have to have somebody go up there and sand blast it. And undercoate it, and then you wonder how many things got exposed, But you won't know until you

truly get someone to look at it. Okay, well, I mean we you listen, Milton, you have to have some realistic assessment of damages. Okay. Are you exaggerating or are you not? If you take this to example, if you if you okay, have you had it up on a lift? Milton, it's it's got lovel with your tom. I hired a technician from trans wes RB to come and do a report. Good you a copy of that report? Did the did the guy I didn't have a chance to read it. Did this guy say that it's extensive rust? Okay,

this is a statement that he put on this report. Did you send that to me? I have it? Hold on, No, no, I don't have it. Hold on, Kashina, did you send me this? I don't see it here, all right? Money? Resent Okay, I mean I see the one for line four it says, but I don't see this one at all. And I look at him all No, No, I know she's sending it to me right now. Hold on, I'm gonna take a break. Hold on, I'll come back to you. Man, look at I know why you're pissed. I'd be pissed too. But here's

what we have to weigh. How much is it going to cost to fix? Is it worth a lawsuit? Can we talk some sense into him? Let's get a handle on images. That's the important thing. Water prols will get you the best water at the kitchen, saying fourteen hundred dollars fully installed triple filter reverse osmosis. My guests will attest it makes the best coffee in the world, but it's the best drinking water you can have. 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, wait 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 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 Martinez, your troubleshooter three oh three seven one three talk three oh three seven one three eight two five y five. All right, Milton, I'm sold. Man. I looked at this, I would be so pissed. Yes, here's the thing, bro, here's the thing. We got to figure it out. How much you know? I see what you're saying, you know, fixing it. It can be done. I mean, it's

not insurmountable. But I want to know. I don't have an idea, and maybe we should talk to one of our people about what Russ does on a drive shaft like that. I mean, is that actually going to keep corroding or what I mean? That's that's terrible. I talked to a body shop yesterday that I'm just swift in the pass. I wanted him to do it. He said he didn't want to take it on because he couldn't guarantee

that the rust wouldn't come back after he beat glasses and repaints it. But you do understand, Milton, if you bought it perfectly, and I'm not suggesting you should be satisfied, but it would have happened to you too with Matt Chloride, right, I mean, this is not like it's not like it's not going to happen. Tom. When bad Clara gets on your vehicle, typically after the winter, you run through rain if washes it off, or you go through a car washing and washes it off, and so you

don't get that kind of corrosion. Now I know you're saying. If you're saying, if you had it, you would take care of it and get it cleaned, and it wouldn't just sit there exactly, this sat on the dealer's slot for now. Listen, do they say they will do absolutely nothing? He The dealer keeps referring me to Jacob, and Jacob keeps telling me their warranty does not cover rust. Anything that's rusted is not warrantable. But it's not ja COR's it's not Jaco's problem. Well, I bought it.

I bought it Brandon new. I could have bought a used one. You didn't buy it from Jacob. No, but I bought it from the dealer with Jaco's want factory warranty. But Jaco does not warranty rust. Let's go in that circle again. Jacob built it, the dealer sold it to you. The dealer took custody and control. The dealer is responsible for its condition. All Jaco is responsible for is its warranty. They never promise anyone anything will be rustproof. So again, Milton, I am trying to keep you

focus on who the bad guy is. Well, I believe that's the dealer. But Jacob has been absolutely no help in the situation. And what should Jaco do? Tell me what they should do? Well, you know I had a similar problem with tell me what, Jacob, what do you think they should do? Tell me that part. I think they should put a

little pressure on the dealer to get Okay, that I agree with. That I agree with because if they want, you know, they you don't want your your product going out to people that put a bad spin on your product. I get that. But did they did Jaco talk to them at all? I don't know. They have been an absolute no help till right. We need to give this to somebody who's going to take some time to call

the dealer. However, I'm going to tell you something, Milton. We can only talk to them and pressure them and tell them what what we do is give a preview of coming attractions and maybe they see the wisdom in just exchanging the damn thing out. But I don't think they will. I think you're gonna have to do a lawsuit. And as with all product and any kind of lawsuit, unless you have to weigh the cost to the benefit. Let's say, and Milton, I don't mean to exaggerate or even make you

feel bad, but there is no lawsuit in the world. And I don't care what people say. I've been through twenty one lawsuits. I will tell you there's not one lawsuit in the world that you will not invest fifty thousand dollars. Not one. There's not one. I mean small claims court, yes, but once you get into suing a company, depositions and discovery, when you get to the courthouse steps, you're into your forty thirty or forty, you're gonna be fifty or more to win. The problem is not all

lawsuits carry attorneys fees. I don't know about this. I don't know what you would sue, wonder and if you could even think about getting attorneys fees. But Milton, that is the reality of what you're facing right now. Okay, we want to help. I am in agreement with you. I am in agreement that they suck. So so, guys, who should we assigned. I mean, really, we should give this to somebody who's gonna at least turn the screws a little when they call them. So Kaschina,

let me know what you think. Let's just give Chopper. Is he there? He is not in studio, but he's available for cases. Let's just let's see what Chopper can do with this. And it's a pretty clear cutcase. They're going to have to exchange it, and they're not going to probably, but we won't. Milton, are you prepared to take this to court? Well, that's the problem. I'm seventy nine years old. What Yeah, I'm seventy nine years old. Your old fart. You shouldn't be on

the road. I mean, that's my downside. I had a bigger one now now this one's a lot of easier drive dross more like you know, hey, Milton, listen, man, seriously, Milton, you know, just think of this. You're almost old enough to be president. Yeah. Right, So here's what I want to do, man, I want to at least take a stab at it. And I do believe though, there are people that can fix that, and I mean it. What they'd have to do is just disconnect the wiring not disconnected, but unscrew it, wrap

it, bead blast on nderneath and paint. I mean it could probably be better than factory. And you got to weigh that cost. You got to weigh that cost to suing. But let's first at least have someone call Denise. What's going on? Denise? Well, I'm a senior disabled citizens and I have a terrible landlord. Uh oh and how long have you been there, Denise? Five years with no lease? Well, I'm going to tell you something. Here's the good news. There are more rights than ever.

Let's let's explore them. Coming up. I'm Tom Martine three oh three seven one three talks seven one three eight two five five Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find

out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino three three seven one three talks seven one three eight two five five. So Denise, you're a senior citizen, you're renting, and you have a bad landlord. How long have you been there? Five years?

And did it all of a sudden turn bad or you just finally had enough? Tell me the real story. Okay. Well, when I moved in, the windows were broke. He said it replaced one every year. You're talking five years ago, yes, and he said he would replace a window a year, and he has not replaced any Okay, so you have I want to, I want to. So this is ongoing. This guy was bad or this woman was bad from the start. So tell me about the existing problems. You have cracked windows, Yes, I have cracked windows.

And they have that you know, that screen over them, you know to filter it like and I okay, So what else cracked? If we just make a major list here, just major categories cracked windows? What else? Okay? The swamp cooler doesn't work, It never got covered, never gets covered in the winter, It leaks water, it leaks cold are okay? What else I got that? Okay? So cracked windows swamp cooler. What else? I have mice? Problem with mice? And okay, there's a

reason I'm having you go over the major problems. I want to talk about habitability. So we got a cracked window, windows, a swamp cooler, mice. What else? The heat bill gets outrageous because of the windows, mice? Well, the heat okay, what else? Okay? The toilet's backing up in the tub. The sink's backing up. Okay, so you have drainage backup? How often does it back up? Well, it's been over a year now since it had been backed up before. I imagine I

lose. And when it backs up? Does he come and get it clean professionally? No? No, what do you do about that? He gets mad at me, hed No, but I mean what do you do? Has it ever gotten backed up onto carpet or floors? No? But I can't shower right now. I haven't showered since Sunday. It's why why he won't answer my call? No, no, no, I'm asking what about the shower? Why can't you shower? Did you have a recent backup? Yes? The toilet backs up into the tub and whenever I take a shower.

Oh god, Oh god, Okay, okay, So what else? Uh? And I'm not saying you don't have enough, I'm just asking what else? Well, that's that's about okay. Now listen, here's what I want to say. Here's what I was looking for, Denise. Here's what I'm looking for. What municipality are you in jeff Co? Is it unincorporated Jefferson County? I'm in Lakewood. I'm in Lakewood, all right. I'm looking for standards of habitability and what would violate it. Let me tell you

what would not violate the standards. We got to find something that would. The cracked windows could be security and safety, but probably not if they're just cracked. When you say cracked, are they opened to the outside and can you put your hand through them? No? The back one, the one in my bedroom, is nothing but plexiglass. He replace. I don't think we're going to get them on habitability for the glass. The swamp cooler, we're not going to get them on at all. That That just doesn't work.

Mice. Now, if the swamp cooler caused any kind of mold, again, people exaggerate about mold. However, it is a habitability safety standard. If it's a bad mold. The other thing would be mice that we can get them on, and the toilet definitely. So here's the problem. Let me explain this to you. If we confront this landlord on habitability issues, or we get the health department or someone involved, sometimes the landlord will just have you leave and fix it. And so are you prepared? Are

you prepared to get another place? Because you can and you have more than enough reason. I have been on housing for five years. I'm ready to put everything in storage and be homeless. Well, well, I don't think you need to do that. But when you say on housing, what do you mean. I've been trying to get on them like a voucher. You've been on a waiting list. Yes, I've been on a waiting What do

you pay for ren? Eleven hundred a month? Okay? Started out at eight fifty and he keeps the raising it and uh, yeah, it's eleven hundred. He's just collecting the money on Benmo and not talking to me. The owner of the trailer park. Wait a minute, Oh you didn't tell me it was a trailer. It's a trailer. Yeah, you have a few less rights there. Oh jeez. Okay, okay, hold on, Let's figure this out. Jeez, hold on, I'm Tom Martino three oh

three seven to one three Talks seven one three eight two five five. I still want to call the guy. I'm afraid she's going to be evicted. I we got to figure this one out. We do. Oh man, we have more coming up to Denver Regen. By the way, weight loss Semaglue Tide compounded to your door with supplies two hundred and fifty bucks a month. You cannot beat that anywhere, and of course you get doctor consultations as well. Denver Regen 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. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with

Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here, three oh three seven one three talks seven, one, three, eight, two, five five. Denise, I'm gonna ask you, do you want us to call your landlord and see maybe they'll respond when they know we're looking at him and it's in the media. It could backfire too. I don't know what to tell you. What do you think? I don't

know either. I've got all his texts that he sent me. I was in the hospital in September, October and November last year, and he was sending me texts in November that the mice weren't his problem, and I was told no, no, no, no, the mice are his problem. But it could be a trailer park problem too. Now does he own this trailer or the park he owns the trailer. He could be it could be, Denise, it could be that it is a trailer park problem. See,

this is where it gets complicated with trailers because you have two. I'm sorry. I did talk to the owner of the park and he told me there's no backup problem in the park and he told me not to bother the owner of my trailer, and he wanted to give me money to get very No, Jim, yeah, it is the park there. There's not enough drain in the trailer. If it was a drain in the trailer, it would always back up. It has to be the park. See now it's

a whole different ballgame. Your landlord may not be responsible for some of this. I'm serious, I'm not trying to I don't know, I don't I have to be straight with you. This drainage problem, there's probably a ninety nine percent chance it's in the trailer parks problem. It's not going to be the local trailer. How big is that trailer. It doesn't have much of a drain line. It's not like a house where you have a big service

line. The service line and everything belongs to the trailer park. The only thing the trailer has is from its drains to the inlet at the park. There's there's almost no chance. I mean, if let's put it this way, if it was the trailer and you never did anything to clear it, it wouldn't have been cleared. So that's gonna be Denise. You may, and I'm serious, you may want to start looking for a place because we have You're not going to get the You've got to get the trailer park to

do something. And the trailer park doesn't care because the owner isn't going to pressure the trailer park. You can call the health department, but you're gonna they're gonna redtag it and that's not gonna help you. No, Right, So is there a possible Have you been looking for a place to live? Yes, I have. I've gone through Foothills Regional Housing, West Metro Housing. Are that a housing authority? Yes? Perhaps you should give yourself a

Spanish surname and pretend you're from Venezuela. That's exactly what I thought. Hey, I'm Polish, I'm a minority, Okay, I mean you know, I mean, I swear to God we have people that are dying for housing and I don't want to get into it right now. But and and by the way, I'm not saying we shouldn't help I'm helping Venezuelan families too, but I'm not helping them on the public dole. You know, they're they're working, they're trying to, you know, lift themselves up. Denise,

I don't think we should call the landlord right this minute. I mean I don't think we should because I think it's going to cause a whole can of worms. And I don't want to get you out on the street, and I you know, he's collected all the rents every month and doesn't do one darn thing and everything, But what you're talking about he can't solve. Now. The windows he can, the windows he can. The mice problem looks. He texts me, he can't believe I couldn't pay twenty dollars to put

furnace filters in here. Well, I'm going to tell you that's another thing that can go either way. It's not unusual for tenants to change their own furnace filters, but in other cases the landlord does it. All of this is spelled out in a lease, and you don't have a lease. And I understand you're older and you want somebody to do this. I get that, Denise. If listen, if anybody in the Lakewood area might have a place to rent, give us a call. Get Denise's information. I'm Tom

Martino. Go with a sure thing, Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're content. Please time for an insurance check up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three 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. Yeah, Rip new need advice so you don't have the come run ins as can show. Shooter's gonna help come man. Six is the Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino, Your Troubleshooter three O three seven one three talk three oh three seven one three eight two five five or three oh three Martino three oh three six two seven eight four six six, Welcome to the show. We got Brook with us from red Rocks rs dot com and we talked about a

grant program at one time. Brooke and the grant program for commercial systems, right, is that the one we're talking about? Yep, exactly right. So you've had clients that have commercial systems, but it's specifically for commercial systems in rural areas. Yeah, as long as it's an in eligible area, which is pretty much anything not on twenty five, not on WHATLKS. So

there's a lot of things classified as rural. Okay, so if they have a business and they want a solar system, you have grant writers that can help get them. Now, these grants are not you don't pay them back. They just they're granted. Yep, exactly, It's just a check that comes from the MAILU. Plus, you have tax credits. Now, have you had any clients with the tax credit and the grant? No out of

pocket? They actually get paid to go solar. Now you see, people, you might be thinking, we're full of it, and then listen to this, because the government is in such a push for solar. If you have an eligible commercial system and they can find out with a phone call or two, you get not only enough to pay for the system, but possibly more. And they they don't just say we'll only pay up to a certain amount, or do they just flat out right a check. It's up to

a million dollars is the grant. So so if your system costs five hundred grand, how do you put money in your pocket? Yes? Or two hundre grand or one hundred grand, whatever the number is. I'm going to use one hundred because it's just easier, of course, Yeah, one hundred grand, Okay, one hundred grand. So of that one hundred grand, then the government would actually give you one hundred and thirteen thousand to do the

project through the tax credits appreciation it GRI. Why would they give you more uh to do it? Because they as an incentive because if you're in one of those rural areas or energy distressed areas, then you're helping out the grid by helping them to maintain their electrical So the government wants you to help out the grid and they incentivize you with extra money yep. Okay. Then these

commercial operators then once they have a system, listen to this. People, once they have a system, not only did they make money putting it in, but then they make money selling to the grid. They can sell to the grid, or for instance, if you have like tenants, then you can charge them retail rates for the power because you're essentially normal normal retail exactly. And that's not considered being a utility, no, not if it's your own building. And so if you have tenants, they pay for that,

you charge them for their share of electric based on real rates yep. And so you can actually make money there. Plus all of your electricity is taken care of absolutely, so if you figure so, but can you sell to the grid or not? Or do you mostly just not have enough to sell to the grid. Mostly in most of these systems, to the person that we're working with, you can always sell back to the grid. It just depends on how much, because it's better to actually resell it to your tenants.

Yes, you're gonna make a much better ROI to resell to your tenants. So with reselling to your tenants and the money you put in your pocket, you're turning a cash flow. Yeah, absolutely, plus saving on your own electric if you have a unit there. Yep. So like I'm working, for instance, with somebody doing a solar field. So they're selling to like a whole neighborhood back and they're selling it at eight cents per kiloot hour

Retail is fourteen cents. So the neighborhood's making money because they're the neighborhood's saving money. The neighborhood saving money. And then this provider is allowed to do that. Yeah, and they're making about six cents per kilo ood hour if you're talking about a ton of power, Okay, hold on a sec. They're actually a little mini power company and that's legal. Yep. You just have to go through the proper steps with the utility company, and how do

they how do they get the power to the neighborhoods. They just go through the utility company's grid. So you do a you do a solar garden, and the utility company doesn't care. They want this again. Colorado is going one hundred percent electric by twenty forty. The utilities in Colorado are pushed to put in solar and figure out how to handle their grid. So this company selling to the neighborhood is making money. Oh yeah, a ton, God, people, I'm serious, this is this is all I know. This

sounds like some kind of scam. I swear to God because it's so cool and it's not. By the way, of course, redrocksars dot com. I'm telling you call if you have any questions, you have a business, you better give us a call or you can call them directly. Three oho three seven zero four two four four nine. I want to go to Lisa, Lisa. What's happening, Lisa? Yet you called us once before, didn't you, Lisa? I think so. My therapist that Community Root Center

kind of referred me to you. Oh maybe you didn't. I'm sorry. It was marked as a follow up, and I thought we have talked before, but we haven't. That's to be the first time. Okay, that's fine, But what what are you calling about, Lisa? Yeah, this is like I kind of just want to share my story with anybody that's that's listening. Well, we're listening. What what is it about? Me and

my mom have lived in three different counties. This is the third one that we've we've lived in uh where people are making illegal drugs and smoking them. Oh that's you. Do you want to know why? Because no one does anything about it? Yeah? Exactly. You have lived in three places. Mm hmm, like three apartment houses. The first one we lived in was in Commerce City the year before last year. But are the apartment houses? The place that I'm in right now is actually like residential. I'm disabled,

Okay, so you're in a single family home right now. It's like, okay, got it? Okay, So so you lived in three different places and you're telling me that in each time, the neighbors were making and using drugs. Yeah yep, yeah, see this is what you call an unsolvable problem. Yeah. So you're case worker. You said he referred you to

us. Yeah, yeah, Community Reach out, Well, my surface, she said, Well, you know, did she did she think that there were maybe some laws being broken and that the police should help or what was on her What did she think? Because we would love to help if we could, if there's something we can do, why don't you share a little more about the problem and about the neighborhood and all that. Yeah, the first time like this this happened to us was in Commerce City, like in

twenty twenty two. Okay, we we were living in a town home, like we had paid my mom paid the equity off on it, like some years ago. You mean it was her own town home. We like paid rent every month. But yeah, like she paid the equity off, so we I don't know what that means. If she was paying rent she paid the equity off, what does that mean. I'm not sure what that means. Yes, it's kind of like we were under a cooperative housing. Okay, let me ask this, Lisa. Did your mom own that town home

or did she rent it? She didn't really own it, Okay, we just rent everyone, but she did, Like everyone there had equity they'd have to pay on every month. The equity on it was paid off. I think the way that you can maybe think of it as the cooperative housing owned the property that the town homes were on, and everyone just pay their equity every month. I don't know what that means, but okay, so they

paid their fair share or whatever. Well, anyway, so you moved from there to where to downtown Denver and then what you went into another place where they were doing drugs. I'm actually in like residential housing for disabled people. Now, is your mom disabled as well? Yeah? She is? Okay,

So are you both getting subsidized housing? No, there's like a home support agency residential What kind of disability do you have, Lisa, I'm on the spectrum okay, and I also have like an intellectual disability, and you were you haven't been able to work? No? Do you collect SSDI? Yeah? And your mom? How old is she? What does she collect? She's like seventy seventy one, so she's on Social Security and probably supplemental Yeah, okay, so what are you calling about? I just wanted to

share my story with people. Okay, what kind of story about the place you're living in now? Just like one of the places I lived was particularly disturbing to me because this place is through Volunteers of America. It's through like hut housing. But yeah, when I was living there, it's it's it's like off eighteen sixty five Lermer Street. When I moved in there that I would say probably eighty five percent of the people living there were reason drugs and

maybe them and I and were they on were they on subsidized housing? Uh? It was underhead Yeah. Yeah. So so, like I said, Lisa, these are things I totally believe you, but not much we can do about them. Yeah. Well, I just wanted to see if, like I tried letting the state legislature know, you know, hey, like there's people doing this stuff all over And when I was in Gimber last year, I saw people getting taken out of body bags and theirs to just people.

You know, Lisa, I understand it. I really do understand what you're talking about. And I'm going to go back to say this again. What you're talking about is going on every day and it's an unsolvable problem. And I'll tell you, why do you really believe? Honest to God, I mean this and I'm not making a joke and I'm not being political. Do you think our state legislature cares. They don't. They are you kidding me? Do you think they care that people are doing drugs? Of course

they don't. I think if it was up to them at all, be legal. They don't care that they're doing drugs. They don't care that people are dealing drugs. They don't care. I mean the gods, I mean, take a look at this state and how it's changed. Come on, look at the state over the last ten years or twenty or thirty. No, you really think our legislature should be in Moscow? We got well, no, no, no, Moscow's against drugs. We should I don't even

know where they should be on on a Xanadu island. We have more coming up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three, seven to seven to one

help. You'll think you're his only customer When you choose Frank durand the Real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey Tom Martin know here? Three O three seven one three talks seven one three eight two five five eight eight eight.

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six. So let's talk Katie. Uh, you have a problem with your autistic son or son on the spectrum as they say nowadays? And UH with Jefferson County. What's going on? I got an email this morning and saying that the special ed lawyer that we had reached out to cannot take on our case. Now, why were you hiring an attorney as Jefferson County? Uh? Will Gerrol pieces specifically, my son's school has broken federal law and state law? Have you called me before about at this? I sent you a

ton of information and all of other screenshots. I remember everything. I remember this. Didn't we talk? Didn't we talk before on this act? See, and you wanted me to send you everything. I know it and what you said, and you were accurate by the way. What you said was your son is on the spectrum and Jefferson County didn't you didn't you say something about moving there specifically for that, So we specifically moved down to Jefferson County. Yeah, And is your child Gabriel? Is it Gabriel? Yes?

Okay, I remember, and I have it here in front of me. So you said that you were in Greeley, the teachers were terrible. You moved to Jefferson County for better recons horses. During COVID he was put in this program and now he is they're still not giving him an i e P, which is an individualized education plan. Is that what you're are they are? They still not doing that. Have an i e P in place, but they are not following it. He has Okay, give me an idea,

Give me an idea. And for everyone listening, and you might think, well, what does she expect? This is something afforded by the public school systems. They're independent plans. For children with disabilities. Now, what I want to know is, without getting into like all the little details, what major stuff are they not doing in the i EP Okay, So my son has a speech delay, so he's supposed to have ascribed somebody that writes for him. He has a written expressive disorder, which means he can't take

an eye idea and write in in the paper. So again, they're supposed to take notes, they're supposed to help him write, supposed to help him with his grammar, reading, writing, and they're not doing any of that. They're not doing any of that. He's supposed to have a para who is supposed to do all of those things. He had one in the beginning of the year until she threatened to come to his house, take him and show him what the hood was really like. That's when I hold on,

why would she do that to him? She don't I don't know. I don't know why you would hire and this in a bad way, But like, I don't know why you would hire somebody who speaks in a bonics to work with a child who is special needs and as a speech impediment. It was, Oh, it was handpicked by the district and I had no say. So in who Katie, Katie, Katie, Katie Katie, I don't know what you mean by by that. I really don't. I don't know

where we're going with this. But tell me something else. In Greeley when he was when he had teachers that you did not like. Were they speaking you bonics, ubonics or whatever you're calling it to. No, they were just verbally abusing him in what way? Because I find it difficult to believe that in two different school systems, two different teachers are abusing him. But I'm not telling I'm not saying you're lying. I'm just saying I find it

hard to believe. Like what what so this person in this person in Jeffco. She threatened your son, saying, I'll take you to the hood and show you what life's really about, really about. Yeah, what would prompt that kind of comment? Do you think? Well? How old is your son? How old? I'm not hearing her, man, I just need an age, Give me an age. Hey, let's re establish I can't listen, we can't communicate this. I'm hearing every other word. So let's

try to reestablish that. Three oh three seven one three talks seven one three eight two five five. I literally cannot hear her. She is saying things and then she gets clipped. Do you know why that's happening, Shannon, Yeah, it's a noise canceling thing on her phone that's creating that. Okay, well, when we can communicate. See, here's the thing. I am all four i EPs, and I I'm sure that some of them are inappropriate now and then she said two in a row or maybe more. She

used the last term. She said teachers in Greenley last time. And I'm more interested if we can re establish a connection here on why they are why an attorney wouldn't take this that that's what I really need to know. So I'm gonna regroup and see if we can reconnect, and then we have more

from our solar expert coming up and anything you want to talk about. We finally have a break in the lines, so you can get through three oh three seven one three talk seven one three eight two five five waterpros dot net. In addition to the drinking water at the kitchen sink for just sixteen hundred bucks fully excuse me, fourteen hundred bucks fulliing, you can also get listen to this whole house systems like three thousand, a little more than three grand.

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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. All right, we're gonna be giving away some tickets. This is a fun thing. I'm gonna get to your calls too, so hang in there please. I want to go to Steve right now. Steve is with Rocknroll dot Beer. I love it, and he has a brewery and he does things with Coloradternational Speedway. How

do you want to do these ticks? It's Steve okay, it's rock and Roll Brewery and the website is rock and Roll dot beer. Yes, well, you know there's different there's two different kinds of tickets. I have some VIP which are you know, their passes that are VIP parking and good you know, free interests to the beer garden and all that stuff. Good for

any race throughout the twenty twenty four seasons. So those I would say, if people go to my website and contact me there and my uh that phone numbers should be on there and my email contact me and let's say the first and people to do that, I'm going to give VIP tickets to how the hospitality tickets are On June fifteenth, that's my special race. I do sponsorships up the track, so we're going to be there on Father's Day weekend.

Saturday night is NASCAR racing. The fifteenth I will have a hospitality party with Famous Staves catering that's included on those tickets. It's amazing. And then the next day is the Monster Truck race that's not included with these tickets, but I mean you want to go to that. Wow. So this is NASCAR racing. It's not drag racing. People going to Circle many cars I've raced there many years. It's really super fun for the whole family. Colorado National

Speedway and their website is Coloradospeedway dot com. Okay, listen on yours. But how I give the hospitality tickets away is it's the people that really support us. They go out and they're supporting Colorado National Speedway and they're you know, spending time going to the Rock and Roll Brewery tenth and they're spending little money here and there, and they're supporting us. I'm gonna give those people

those hospitality tickets, all right, So rock and Roll dot Beer. I want to say this, Okay, if they I also want people for fathers. I don't know if I'm still on, I don't hear anything. You're you're on. I don't know you're still on, Steve, can hear me, bro Okay, hold on, I know. Maybe my MIC's not working for some reason. Just hold on a second. I put them on hold. I don't know it says my mic is, uh, let me just see you can hear me, right, Shannon? So I don't know why

he doesn't. Are you there, Steve? Okay, he doesn't hear me. I don't know what the hell is going on. Anyway, here's the thing I want to for the Father's Day tickets. I want to give away some Father's Day's tickets. What I'd like to do is I would like them to, uh. What I'd like them to do for that for those tickets is I would like them to give a poem about their dad. That's what I'd like to do. I'm back to you, Steve. Can you hear me, Steve Man, I don't know. I'm just gonna have to disconnect.

I'll just try to reconnect. Three oh three seven to one three talks seven one three eight two five five So rock and roll, dot beer and everything on this end seemed to be working, so it might have been muted. But in any case, we have this other one with this solar issue that just baffles the hell out of me. We want to know what to do about that. And then we have Katie. She's back. We re establish contact. Now. Listen, I know there are comments being made.

I'm getting a few by text and then maybe some YouTube morons. But Katie is well within her rights to want the independent education plan done properly. However, the one thing that has people concerned is that she has had now two teachers or more that she's dissatisfied with because she thinks they're abusing her son. Now, Katie, there's no way for us to know if it's an exaggeration or not. What did your son? I mean? Tell me this latest one in Jefferson County, he had an IEP. But is the IEP now

gone? What happened where they? Was she fired or was he your son taking off? What happened after she supposedly said I'm going to take you to the hood and show you what life's about or whatever? What happened after that? I call the principle and I spoke with her about the behavior of the parrot, and to my knowledge, she was removed from contact with Gabriel. I don't know if she was, but then he was not given anyone else.

Right, Oh, Katie, I fear, and I really I want you to listen to me, because I don't want you to get emotional because and I know this is a terrible topic and an emotional topic, and I know you're advocating for your son, but you really need to hear me. I fear that they might think difficult and they might think you're exaggerating because of

your involvement in Greeley. You were dissatisfied with those teachers. You said your son suffered abuse, and now you're telling me the same thing is happening here. It just doesn't make sense to me. It's I'm not saying that you don't have a right to be sensitive, and I'm not saying you don't have concerns, but I think they don't know what to do with you. I mean that, Katie, I mean that, and I hope you understand. I'm being very open with you about this. I want to help you get

help. But can you tell me when did this conversation happen where this woman said, I'm going to take you to the hood in December? How old is your son? We got disconnected last time I asked you how old is your son? He's sixteen? Okay does your son express Is he upset with what was told to him? Yes, he has expressive language delay and her comment led to nightmares regression. So farm Katie, Katie, are you really what He was afraid she was going to do something to him and he had

nightmares. Yes, you don't understand the amount of trauma that my son has in door. Okay, what happened to him in Freeley is medical neglect. I had to take him to a surgeon. The surgeon said the teacher put a trash can next to his desk and let him throw up all day. He was vomiting over twenty one times a day. This medical im glad to not send that child to the nurse, to not call the parent, and

that was his only way. We're talking about a special needs kid who can't provoke with gig emotions, and he has no ability to express what is going on. How did you find out what was said? How did you find out what was said to him about the neighborhood? The hood? I was right there? Wait, you were there when she said it. I was right there. Well, she couldn't have meant it in a threatening way if she said it right in front of you. I was off screen. She

didn't know I was there. What do you mean off screen? Oh? Oh it was a zoom thing. Yeah. He goes online so he doesn't go into school no, because of what has been done to him. Katie, have you ever does your son have a counselor? He has people that he works with a children's hospital, but I cannot get a therapist because they won't talk to him because he has expressive language delay. Well, what do they do normally with someone who has expressive delay? We just work with developmental

pediatrician. And I speak with my therapist and what I can get from Gabriel or what I can interpret from him, I relate to my therapist. I say, hey, I'm worried about this. Should I do with suicide? So will Gabriel? Will Gabriel ever be on his own? No? And okay, all right, so listen. I don't know what the answer is because you're not You said a special needs attorney. Hold on a second.

You said they would he wouldn't take the case. Why is that because she had so many cases that she didn't have the capacity to take it on? Katie. Don't believe that, Okay, please don't believe that, Katie. Katie, listen. One thing you're gonna find for me that you're not going to get from anyone else, I promise you, is the unfiltered truth. There is no such thing nothing, no such thing as an attorney turning down a case because they have too many cases. They're turning down the case because

they don't think it's a good case. Have you talked to other attorneys? I spoke with one this morning, and it's I have to put down thirty five dollars in order for him to take the case. And I don't have thirty five hundred dollars. So the other one you asked to take the case free. No. I was trying to see, uh what she could do for us. Okay, do you have a partner in all of this? Does Gabriel have a father? He has, He has a father that is not treasent. Okay, hold on, I gotta take this break. I'm

Tom Martine. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Wave 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 one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to 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 now, Katie, I just I want to sum up this call. Then I have Jeff Wes' solar issue. I've brad about this tax refund thing. Hey, Katie, I want to ask you something. When you were on that Zoom call and you heard the teacher say, what exactly did the teacher say to your autistic son that you said put him into a tizzy of nightmares and all kinds of trauma? What did she exactly say? She

said, verbatim? What would you think if I showed up to your house, took you to the hood and showed you what the hood was really like? Okay? Now what brought that up? Because he didn't know what fresh Princess bel air was? Okay, now, Marky now here, I don't think so. I think that you I think, Katie, could you possibly be overly sensitive here? Uh? No? I think I'm very rational and am I passionate about protecting my son after everything he's been. Yeah, but

here's what I want to know. Did your son see you react to what she said and then it gave him trauma? Or did he react on his own? He reacted on his own? How could anyone feel that is threatening? Well? I am the way, Katie. I'm gonna I'm gonna tell you something. I hold on, Just hold on, I'm gonna I'm gonna refer you to someone go with a sure thing Denver's best roofer Excel Roofing dot

com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven one help. You'll think you're his only customer when you choose Frank durand the real Estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Ripped of need Adviso. You don't have come run

anxious stasses. The cam Shooter's gonna help come man. This is the Troubleshooter Show. No Tom Martine, Hi Tom Martino here. Three oh three seven one three talk seven one three eight two five five. This hour brought to you by the best guy I know in the world, Frank durand the real Estate Man dot com. If you need a market valuation for your home and analysis on what it will sell for, He'll give you one complimentary to let you know where you stand. In the market. And really and truly there's

no hooks, no tricks. He's an expert. He'll let you know what it will sell for, what you'll net, what you can find for the if you want to downsize, upsized, sideway size, whatever it is. Frank durand the real estate Man dot com three oh three nine two zero sixteen twenty two. All right, we have a solar issue with Jeff. Jeff, let's talk to you, and then we have Brooke here with us.

Let me get to the white shot. We're on the white shot. Army Brooke is with redrocksars dot com, redrocksroof and Solar and really we had this problem come up and I sent Brook to you because I wanted to get the lowdown and I'm going to summarize Jeff's problem. Jeff, you there, sir, Jeff, can you hear me? Yes, sir. So, Jeff had a small solar system and it was working, right, Was it working?

Yeah? Okay, so Brooke, it was working, but he was I've never heard of this before, but he was kind of undersold a solar system. It was small at the time. You gave me a reason for that, Jeff, Why Jeff was why did you buy such a small system? Well, because they said they couldn't because the way our roof is shaped

and built. They said, dude, to fire code. They couldn't put panels on the other parts of the roof because their panels were too big to fit on that side, on the other parts of the roof, you know, to being code. So and this wasn't This wasn't sun Run, was it? No? This was someone else? So hold on, I want to know something first and foremost, Brooke, was he told the truth about that he couldn't put on more panels or what? Uh? There's no way

that's the truth because he's going from six panels to the second system. Why would they want to? But why wouldn't they want to sell them as much as they could? That's the part they don't understand. It doesn't seem to me why would someone do that. Why wouldn't they sell them the biggest system they could. He was willing to buy it. It just depends on the sales rep that they are working with and the experience that that specific person has.

It's oftentimes that people get sold undersized systems and told that they're going to produce at a higher level because there's no production guarantee written into contracts, so the company's not out anything. If they sell a system at fifty percent offset, that really is only going to handle, say twenty percent of their power needs or anything else like that. You wouldn't believe how many Jeffs I have with solar problems. This wasn't so perceive it right, No, this was

my ad for them looking for the other one. Okay, man, it's amazing how many I have so oh okay, So anyway, so on this particular problem, Yeah, another company. Did they knock on your doors? You call them and say I want to increase the size of the system. They came to our door and you thought, what did you like the system you had? And you thought, well, I'll even do better with a bigger system. Yeah. I was like, I was happy. I was like, okay, if I can make more and offset my you know,

sure excel bill or a core bill. Yeah, why not? Okay. So you had a good experience and you thought, I'll just expand the system, and then they said they could expand it. And did you pay them anything? No, we we did not pay them anything. We made two payments to the finance company and then appen Now the finance company, that's where it gets complicated. So you did take a loan out on this, yes,

how much? I think it's twenty six thousand? Now Brook, If he took out a twenty six thousand dollars loan for a solar system, that company got paid, didn't they? They did? So what happened when? Why didn't they install the system? So the loan went into effect because the company that installed it so that it was installed and they sent them photos, so they said, okay, we see the photo company lied. No,

they installed it, but they didn't install it properly. Okay, So they got paid yep, and then they couldn't activate it, so then the clawback would have occurred. But this specific company went bankrupt. Now it's been over a year since anybody's touched it. So he did get all the equipment though, uh not, that was in the contract. His system was supposed to be DC. They tied into his old system, which is AC, which is why his old system won't work. Why would you want a DC system?

Is that what they're doing? DC systems are better. Okay, there's a long reason why. But and then what do you do You convert it before you bring it into the house to ac exactly. Okay, So here's the deal right now. The bottom line is this, he has a company that went out of business, He has equipment he can't use, and they even screwed up his old system. So now he has nothing. Yep, he has nothing because of these clowns. Yep. And these clowns are now

out of business. Yes, and you have a loan now for how much? Twenty? Yeah? So what happens? I thought, and I've been researching it and I can't find it. But I thought, if you had a loan for solar and the solar company goes belly up, you don't have to pay if they don't complete the system. I think that that's true. But the finance company isn't allowing him to get out of it. Is that correct? That's yes, because what are they saying. Well, they're like,

well, we hired this new contractor we're on our third contract. Oh, hold on, hold on, that's a whole different story. So they are trying to work with you. No, because nobody's touched the system in over a year. Yeah, they keep saying, oh, no, your new contractor is first it was apt why won't they let Brook do it? Did you tell him about red Rocks? I told him about it, and they said The finance guy was like, well, it's very difficult to go

ahead and to switch to get a different contractor. I was like, but so you're telling me you can. It's just difficult. And then you change the subject and rattled up some other stuff. But they're not pursuing collection, are they. No, they froze our payments. They tried to, you know, start payment up again, and I call them by, hey, I system is not inactivated, so I can't like, oh, yeah, we do see that, so yeah, we'll go ahead and keep your payments

froze. So I made the first two initial payments when you know it was supposed to be activated or whatever, and then this whole debacle happened. So then all right, they froze the here's what I think we should do. Then we should have one of our people called the lender and say, look, this is a debacle, and you dealt with these people. They're the ones they referred to the lender. They were working together. Let's face it, and we want another company to finish it that we know we'll do it.

And I think. I don't know. I really believe that you need to get I don't know. I can't find anywhere on the internet where they have a legal obligation to stop that. Did you take did this loan make any reference to a solar system? Your loan agreement it's through Everbright Solar, So this finance company's only done solar? Okay. And did they take a second on your house? No, that's good. Are you sure of that? I'm pretty sure of it. You didn't do a second deed of trust?

Have you done a know any on your property? A search to see if there's a loan on there? No, I have not. Will you do that for me? Will you do that? Let me know? Hey, Kaschina, we need to give this to one of our deputies. It doesn't have to be someone today. Oh, we need to do it. In other words, I know some of our deputies are indisposed today, but we really do need to get this this steal going. I've got doc available.

Yeah, but I mean good. But I mean I don't want to over I don't want to overburden him if he's there just because he happens to be there today. What I'm saying is this I am saying that what we really need to do is get someone to call the finance company and see if we can transfer responsibility to red Rocks because he has not seen a contractor in more than a year. It's more like a dollar issue. Yeah, it could be, so why don't you figure that out? Let me know who

and then we'll we'll continue this. I'm Tom Martino three oh three seven to one to three talks seven one three eight two five five. Dan McKenzie is an estate planning attorney and everyone needs one for a will, maybe a trust, or how about this. He has some clever ideas for LLCs to own things that pass through the estate, much like a low cost trust, but

in some areas even more flexible. He has some really good ideas. Dan McKenzie McKenzie Law eight three three co Plans eight three three co plans 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 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'm Martino here. Three oh three, seven on three talks seven on three eight two five five. Brad, what's going on with your taxes? Hello, Brad, Welcome to the show. By the

way, people, we're going through calls pretty quickly. If you want to call in, you can also call three oh three Martino now and whenever three oh three six two seven eight four sixty six. So, Brad, what's going on with taxes? Man? Yes, we put in our submit in our tax return on January twenty first, and we received our state return prefund in a couple of weeks, you know, just normal with the Correig deposit. But the federal tax return is being has been held for this is going

on four months now. Is it suspicion of fraud. No, it doesn't say that. It says it's verify one and more of the following income, income tax withholding tax credits or business income. And we only have two of those things, income and income tax withholding. So they don't get it, and you answered them right away, right, there was nothing to answer. We just got a letter in the mail that said, wait sixty more days

and we will contact you hopefully. So that's where we're at now. They sent us a letter sixty days after we filed, and then now we're past the sixty more days, and so it's four months. So you filed January, February, March April May. So y, I got you here, So now you're right at the mark. Well, you're right on the money. I mean, but when they say sixty days, they don't necessarily mean

right on the money. Six. But this is not an unusual thing when they flag something, and unfortunately it can take six months to a year. It depends on the issue if they suspect. Now, did you have a complicated return? Oh no, we have a real easy return. All we have is Social Security benefits one. And I don't get it. Then, I just don't get it. I unless it was a random thing. It did you on the notice? Was there a name there? No, there's

no names, just our name. I mean, but you have a case number, right, ah, yes, it's it's not necessarily a case number, but a statement number or a letter, you know, just to identify it. Have you called back recently with that case number? Oh see, that's that's the that's the main problem. You go on to where's my refunded and always says it's processing. Then you try to call the one eight hundred and forty number. Nobody ever answers that phone number. So that's that's mainly

where we're frustrated that we can't get contact anyone. How much do you have coming eight? Holy crap, that's because we took ten percent. This is the first time we've ever been on Social Security, and so we just didn't want to fall short, so we took out ten percent on all of our income. We took ten percent out of every one of them. So so you took percent out of all your income, dividends, everything, right right? Wow, and you prepaid your taxes and you had eight thousand coming back.

Yes, well it's just prepaid, like you know, social Security they take out ten percent. You know that, Yeah, yeah, but how did you get them to take out ten percent? Is what I'm asking, Like from your you said from your income more than just social Security? Right, Well, I have a part time job. They take ten percent out for that. They don't normally take percentages. They normally take deductions, but I don't so anyway, that's we're confusing. But in any case, the

bottom line is you withheld more than you had to pay. I get it, I exactly that's the bottom line. Yet you know, in a crazy way, that could be what's screwing you up. It might be that's just the question we have. So was this Let me ask you something, because I know how they think. Was this refund way more than previous years two thousand? Ye, we usually get like fifteen. That's why. See any

kind of anomaly, any kind of an anomaly kicks out your return. So if you suddenly have a drop in income, or if you suddenly have way more of a refund, or if you suddenly have way more deductions, anything like that will at least kick it out. You know right now. I know you don't want to hear this, but you're right right at the mark they said they would contact you, and I know for sure you're going to

have to wait. No matter what I mean, we have. We do have some tax resolution people we work with from time to time, But to be honest with you, you don't need it right now. You don't have anything to really resolve, and you're just I don't know if this makes you feel better, but you're We get this call all the time about delayed returns, and people have waited up to six months and sometimes seven and eight months for things to be resolved. I know, well, next time, we're

not taking any out, so but it'll even out. I guess. No. No, that's the way to do it, is that that's the way to do it. That you put it in your bank and then write a check. That's truly the way to do it. We got more coming right up. Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up

free, no obligation. In comparison, 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 himes, Tom Martino here three o three, seven one three talks seven one three, eight two five five. Okay,

so let's talk to Kelsey. We do get a lot of complaints about why it's towing. Now, I'm gonna be fair here, I'm gonna tell you that a lot of those have come after why it's got into trouble with the state. And oddly enough, most of the complaints we get were not about that. In other words, they they they feel like, why it's must have just done automatically something illegal, because why ITT's gotten such big trouble with the state. And in the cases we've handled us far, we haven't

found why it's doing that. But maybe this time, Kelsey, what's going on? Hi? So on May seventeen in Northlin, there was a food truck carnival and it was near Boondocks. Many many people parked in Boondock's parking lot. There were no signs about towing or anything like that. So we parked there and when we got back a few hours later, my boyfriend's car was gone. We went into Boondocks and asked them like if they called somebody,

and they said that they had whyatt's towing on their property? So why it's towing was sitting in the parking lot waiting for people to park there and walk and walk somewhere else so they can tow the car. And they're allowed to do that, Kelsey. As crazy as that sounds, they're kind of allowed to do that. That's so crazy. Okay, So but but hold on, but you said something. There has to be a sign, a

warning sign. There has to be if there's not, and then then you can get every dime back, right, And we didn't see any sign. Now I didn't ask that part, that's see, that's not the part. The part is was it reasonably signed? Now, the bigger the parking lot, the more signs they need. But if you say there were no signs, then you're going to get your money back. So did you go back to look? Yeah? So I did go back to look, and there was a no event parking sign that I took a picture of, but across

the streets. Hold on, it's got to be more than that. If it said no event parking, did it say violators will be towed? No, it just had a little tiny tow truck and like a car being pulled. But it was tiny on the bottom of that, whereas like the parking lot across the street at the church had a Wyatt towing sign. Is that the only sign in that entire Boondock's parking lot? Just one little sign?

Yes, because I took a picture of it. Well, I understand that, But are there some you didn't take a picture of I didn't see any because my boyfriend also looked. Okay, so what happened then? So go ahead? So what happened? Because here's why? Okay, as much Kelsey, they don't have to say anything except they have to have those signs up. And even if everybody's doing it and not everybody gets towed. These are things we hear all the time. None of those are gonna work. The

only thing that's gonna work for you. The only thing is number one, What were you warned? Were there signs? If not, it's a slam dunk. You take them the small claim, squirt, You'll get every dime back. How much did it cost you? So they charged us? I called them and they said there was a a hook sheee of two hundred and thirty nine dollars, a storage sheet of forty six dollars per every twenty four

hours, and an after hour's release seve one hundred and one dollars. Yump, that's all in line, that's all in So how much was it total? So in total when we got it back, it was five hundred and thirty one dollars because they charged us again for the forty six dollars for storage even though it was there for less than twenty four hours. Wait a minute, well, hold on, so the entire time less than twenty four yes, okay, Well it doesn't matter because because you're gonna get it all back

every dime. I mean, because you say there's no signs and that sign that you mentioned, that one sign that said no event parking. How big was that sign? It was like a decent amount, Like it was pretty big, but it wasn't Like no, it wasn't. It was just on a cone like it was a cone. And then it was like screwed. Well that doesn't matter, that doesn't matter. But where see, hold on, there's certain things that has to have. In other words, what I'm

thinking is is they didn't have enough, but you would have to. Here's what you have to do. You have to take it to small claims court to get the money back, which is not a big deal, by the way, It really isn't. But did you You got to really be sure there's no sign, because I'm just going to tell you something. I know. Booned has signs. The one I go to does. So I don't understand when you say there's no signs, which one is this? Where is

it in North Glen, Okay? Yeah? And you say there was only one sign no event parking, And if that's not there, there were no other signs, correct? Because when I even they even told me that was the only sign, they said there was a big white sign and that's the one I took a picture of. So is this boon Docks alone as boondocks or is it a big plaza? It's just spoon Docks alone? And they do nothing so anyone can park there at any time? H yes, Wow, Oh I didn't know that. So they allow. So I wonder if

people with OURTD going to work park there. I just wonder because what you're telling me is that there is no They have no parking control whatsoever except ring an event. And listen, I'm not saying I don't believe it, but it would be the only boondocks I know of that doesn't have that doesn't have it. I mean it's remarkable to me that they have this giant facility and don't have a problem with parking. So I'm wondering if anybody could help us

out. But here's the great part about this. You're gonna win and you're gonna get your money back. And both Boondocks and Wyatts are responsible to you, both of them, and they both have registered agents. And it's easy. You go online, you fill out the form and then you have them served and they will pay you because they can't toe you without the proper signage. And that one sign unless it had more, if it just had a little picture on there, it's not gonna work. So I think that you're

in the driver's seat. In fact, I know you are. And again this is true. I'm looking right now at the parking lot. I'm looking at it, and I'm looking at it from a sky you know, from Google, and I want to see if I can get down on ground level here because it just doesn't I can't see from here, but I don't see any obvious signs from this. And did you walk around the whole parking lot on the entrances? Yeah, wow, that is that is amazing to me.

Well, then you got you can get your money back. That ought to be good news for you. I mean, really, you will. There's there's no way on this big parking lot. And frankly, I don't see any from this bird's eye view. I don't see any at all. Now there might be some, I'm not looking at here, but I'm looking and I don't see any. And and I don't let's see at the beginning here, I don't know, man. I wish someone could drive by North Glenn Boon Docks and let us know, because I can't see any signs in

any of the parking lot here. I don't see any signs at all. And if that's the case, they done screwed up. Yeah, do you know? So if you listen, here's the deal. If we call them, they're going to tell us that there were signs. That's what they're going to tell In fact, you know what, why don't we call boondocks in North Glenn. Just have someone call right now Kachina and ask them if they have no parking signs except for customers, you know whatever, Because I don't

see any. I don't know why I can't get that man down there. You know how they do that on Google I can't get it. I'm gonna I was trying to look from a from a walking around point of you. Are you far from there? Yeah? Well I live in Greeley, so yeah, Oh never mind, never mind, listen. I know it sounds like a pain in the ass. First, we're gonna call them for you, Okay. Then what we're gonna do is we're going to let you know

what we find out, what they tell us. But I have a feeling, I just have a feeling that there probably are signs, because I can't believe that a big corporate place like this wouldn't have them. But go online right now. You've got to assume them where they're located right there, and you name Wyatts as one of them and I don't, and they'll write you

a check. I mean they will, they'll write you a check. Get the information though, Kachina, and see if somebody can call up there and ask them if there are any kind of signs on their parking lot threatening to toe if people uh park there? Three all 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 three time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance

three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh three seven one three talk three oh three seven one three two five five. So I'm down on Google Maps or whatever maps on here, and I'm on street View and there's no obvious signs that I see, but who knows. Hey, Jesse, you have a comment on Kelsey's towing issue. Are you are? You're identifying yourself as an attorney, Jesse? Yeah, Tom love your show. Thank you so much for being there for us

all the time. I'm a lawyer, but I'm a divorce lawyer, and Sony anything I'm about to say, well, my opinion and not goodly necessarily good legal advice. But to me it is because we're not supposed to practice outside of our area of expertise. But I would say that calling boondocks and talking to them to ask them about whether there are signs could potentially tip them off. I don't know if maybe one of their employees. Do you think they would run out and put up signs. Yeah, they have it on

a cone. So I just don't trust anybody as far as I can throw them, especially somebody who's going to engage Wyats to do this kind of predatory towing, although I understand it's their perfect right to do that. Thing Number two is I would advise the gal to go out there as soon as possible and take a video, walk around the whole rice and take a video so that she has something to show to the court by way of evidence that there really is no sign up except for that little one that she saw. Yeah.

Yeah, yeah. It would shock me if there were no signs, because every time we've gotten acclaim like this and we've gone out there, we've seen sign after sign after sign. But who knows. I mean, I can't see any obvious signage with the Google Maps, and then I went on street View and there's nothing obvious. Usually you can see at least a straight pole and a square or rectangle, and you would assume there's somewhat of a sign, but I could see nothing. Have you ever been towd Jesse?

Oh yeah, I've never been told, because I will not take that chance. I'm telling you I purposely look for signs. I do ever. Yeah, I'm sorry to interrupt. Ahead, No, go ahead. Well, I was just going to say after that experience, it was in New Orleans, and this was just as just before I thought the predatory towing thing was starting up some years ago. I wasn't careful about the signage. And now I will never ever park in the lot of Applaza, for example, without

carefully checking for signs. And even then I don't want to park there, even if it's legit. It makes me nervous. No, it makes me nervous too. And the ones that say like like they're not clear either, I don't say, Well, you know, it's their problem, because I'm gonna have to be the one that hassle getting my car and paying the bill. I'm paying all that. The bill is usually so hundreds of dollars. And then you got to fight them. Yeah, and then you may win,

you may win, but you got to fight them. And this thing about this thing about Wyatts. This whole Wyatts thing has has increased our calls about towing because they assume that of Wyatts did it. It's illegal now, Wyatts, they were doing some stuff that was pretty shady, but then they were not normal toes like this. They were totally different. But in any case, thanks for calling, Jesse, appreciate you listening. And I'll bet

you your business is booming right Yeah. Anyway, three O three seven one three talk is our studio number, our Martino numbers three H three Martino three O three six two seven eighty four sixty six. Okay, I have a question. Where was it I had a question for Oh wait here it is okay for the Red Rock Lady, the Red Rock Lady, Assuming I'm Greg. The place where I want to put a solar panels gets almost all day sunlight, including southern exposure, with no trees or anything in the way.

Can the panels be mounted on the side of the house instead of on the roof? Yeah, they definitely. Can. You just have to work with a contractor willing to do that, and we do. Why do you say willing to do that? What's wrong with that? Is it is it hard to mount them on the side. You just have to do additional engineering documents to do it, and you have to work with somebody willing to do it. So most of the nationwide companies won't because it's outside of their normal scope.

But you'll do it. Oh absolutely, Okay, So it's red Rocks rs dot com and we have more coming up with her and anything else you need to know about. Give us a call. Go with a sure thing Denver's best roofer excel Roofing dot com. You don't pay a cent until you're content on top of it. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance. Pay too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help.

You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Yeah, with new need so you don't have the come run anxious as fast as we can. Shooter's gonna help, come man, This is the Troubleshooter Show. Now Tom Martino, Okay, Tom Martino here, Welcome to the show three oh three seven one three talk seven one three eight two five five. What's going on? How can we help you?

Let's talk. We have a guest today. We have Red Rocks roof and Solra have a Brook White with me and she's talking about seller. We were talking about it. We had a lot of other things to come up, and one thing that comes up quite a bit. I just want to get it out there about signs, signs and parking lites. People always say this to us. We got told there were no signs. If that's true, then you should get your money back. There must be signs. Do

temporary signs work? Well, yeah they do. They do if they're labeled properly. But they have to be labeled properly. So that is something we hear almost all the time when it comes to Wyatts. And then it just happened to be the biggest company. That's why we hear it. And another thing that we hear about okay often. And I don't want to pick on this woman because she really needs help or one way or another she needs help.

Parents with special needs children often complain about the IEPs or the individual education plans, and what they say is that children are being inadequately served. Now. IEPs are hard for a lot of parents to understand. They're individualized help and education in order to mainstream a student. Now, because a lot of people don't understand that. They think it's a special thing. It's like welfare.

It's not or social services. It's an education that is guaranteed to each and every child, and if you have disabilities, you shouldn't forego the education. In the case here, I got a lot of text saying that the woman sounded like she was overly protective and sensitive, possibly causing a lot of the anxiety to her child. Again, we have a lot of amateur psychologists listening. But that was brought up. Another one. A guy had a

class motor home, a JCO. He bought from a dealer out of state and it was rusted the bottom, the underneath, the undercarriage from He said, mad chloride sitting there not being properly cared for, washed whatever. Is that a violation of any kind of law? He bought it brand spink anew and it's rusting out. It is rusting now, it's not rotting, it's rusting. And he claims that was the problem with the ground onto his power unit and they had to replace the ground and he noticed some other wires under

there and things. And again some people are saying all vehicles rust underneath. It's just surface russ. It's not going to do any harm, and he might be exaggerating. Other people say he should get a brand new unit. But that came up today, and that comes up a lot on new units. What is new? What should you be able to accept? What do you not accept? Now, the woman in the trailer park, this is important. She had a rental, she's been there five years. She said,

the landlord sucks. There's sewer backups, but that's the trailer park. Possibly then she has problems with mice. Whose problem is that the trailer park or the landlord who owns the trailer But in any case, she was worried about being moved out. Somebody reminded me of the just cause law, meaning they can't get rid of you for complaining about normal stuff and they have to

extend your lease. They can't just kick you out. So there are cases, I guess, where this older woman with a fixed income, no money can at least have some breathing room to find out what to do. And the guy's not just going to kick her out for complaining, So you know, I mean, laws do have their place, right, Deputy Doc. I asked them to call up to Boondocks to see if there are any signs up there. I mean, I don't think they'd out and now lies.

Yeah, we have signs that they don't because people can drive by or just drive by and see. But Doc, what did they say about that? Well? I spoke to Kelsey, and I spoke to the general manager at Boondogs, and he assured me that the signs were there, both that were required by Wyatts and additionally signs that were required by the city of Ruslan. He claims that they were there all the time. Kelsey's boyfriend just drove up

there and he did acknowledge that the signs were there. Kelsey believed that the signs were not there ten days ago, and I told her, I think that's just not true. The guy's not gonna lie about it. Well, here's the thing. I doubt that because they told their car that they're going to run out and put up signs just because of that. Right, What I was going to say was that he said if they go, if they want to make a police report, he will provide the police with the video

footage of the signs being present. And yeah, but he said signs being present, were they part were they temporary signs or did they have permanent Oh no, he said they've been there for quite a long time. Okay, So Kelsey's going to go to the police and get the video. But I told her she's basically chasing a tail. The guy is not gonna lie about when the signs are put up. So she claims they were just put up, right, and he and he stated very emphatically that the signs are there.

If you want to go to the police and get the video of it, I will provide the cons of the video of the signs being there a long time. So if she calls back, I will follow up with it. No, that's good, okay, because you know, obviously we hear this all the time, so it's not the first time. But but they said there's definitely signs, plus there were extra signs. Blah blah blah. We get it, Thank you very much. Three h three, seven to

one to three talk now. By the way, signs must be posted conspicuously according to the law that I finally got near each entrance and exit up the arkses me near each entrance of the parking lot. It must have playing English no pictures. Unauthorized vehicles will be towed. Now they can put a picture on there. In addition to that, they must also have a telephone number and the name of the towing company and the telephone number address a name of

the local police department each sign. So that's required. So the temporary sign wouldn't work. That's why I was concerned. So thank you for finding that out. Red rocks, roof and solars, So we do have a question. You said you can mount them on a wall. You can mount solar systems or solar panels on a roof, and you can put them out on the lot. Right. You don't even have to have them on the house.

Right, I've seen them before that I know I've seen them. I can't tell you where right now, but where they They mount them in the yard somewhere and then you run the wire to the house. Yeah. Now, why do people do that? Is it because of special roof they don't

want to dig into or what? It just depends. I mean, a groundmount is going to give you the best on exposure at the best angle with the bells till the ground those things, Yeah, the ground mount Well, I personally like building car ports and putting them under car ports, And it depends if you have an apartment complex, for instance, putting them on car ports, yeah, or building a carport to do so okay, yeah, but if you have safe, for instance, a apartment complex or a long

term rental, then you have to put it on a structure that's not tied to somebody living in in order to get the tax credits. So it really just depends on you know, what do you mean by that? So you have to if you own a condo you're talking about, not if you yourself own the condo, but if you're renting out an apartment complex and it's a long term rental scenario. So if I'm renting an apartment, yeah, I

can get a solar system. Yeah, you just have to make sure that the solar system's not on anything that somebody lives on in So it has to be on a car poor or whatever or anything else. But I've never even heard of that you actually have tenants that would put up a solar system. So it's kind of the same thing that we were talking about. So they apartment complex would get the federal tax credit, the bi American Act tax credit

in the depreciation, and then they could charge their tenants. Oh that so, so the apartment house does it, Okay, the management or the owner of the apartment. I get it for sure. Okay, But a renter certainly couldn't do a portable system. There's no such thing, is there. No, there's portable systems. A renter could do it. And the renter tell me what a portable system would look like. That's fascinating to me. Yeah, So you just like on a deck maybe if you had a southern

deck. It's kind of like you put a solar system on like a wheelbarrow, but like it's bigger, smaller, so it's on wheels that'll move, and then you just have to plug into the appropriate breaker space and how an electrician do se. So the inverter and everything else is tied on a portable system. So firlts that have RVs and stuff. Now I wondered about that. I wonder if there are RVs with solar systems. Yeah, absolutely though, I mean the entire roof could be a solar system, right, Yes,

it is. To be honest with you, automotive solar is not something I know much more about besides it exists, because it's very different than doing residential. With automotive solar, you're massing on a system to work as much as it can for about five years. Residential or what I do. You're looking at making a system last for thirty plus years. So they're just different.

Yeah. And with automotive I heard someday they're working on you know, roof systems or the whole exterior of a car that can help charge EV batteries. Oh yeah, there's a ton of cool technology right now concerning that and battery technology for homes. What is it? What are they? Lithium? What are they? Yeah, I mean it depends on where you're at.

So lithium ion is going to be your best one. Your lead acid base is going to be where it's too cold, where the batteries don't operate very well, so up in the mountains when it gets to those low degrees. Or you can do a heated lithium ion battery where some of the power from the battery is designed to heat the battery so that it can operate at a

higher level. So it's kind of a mix between the two are more and more people opting for batteries in Excel territory, absolutely because they have a really great battery program. Right now, what do you mean by that great battery program? So like a Tuessla Powerball three typically is about fifteen thousand dollars, but through all the different benefits like the Colorado state program, excels rebate program, the federal tax credit, all of that, that fifteen grand drops down

to about four four hundred. I'm sorry about four grand till eleven thousand of it is paid for. H right, we got more coming up, and Cheryl, if you hang on, we'll get you about an electrician three oh three seven one three talks seven one three eight two five five Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent

until you're content, wait on top of it. Time for an insurance check up, free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven 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 Martinez here. In a little while, I want to talk to one of my experts, rod On Rod robel On. People have a bunch of questions about this mandatory retirement. They have to provide if you have more than a certain number of employees and what that means. And I'm going to ask them a few questions about that right now, though. Cheryl wants to talk about an electrician. Go ahead, Cheryl,

what's going on with you? Okay? Can you hear me? Okay, I can hear you, find Cheryl, go ahead, okay, I have you on speakerphones, and my husband can also hear this. What we're looking for is an electrician that is real familiar with how to put in a charging

station for a hybrid easy car. Okay. Most of them are alerted right now, and a lot of you know, Brooke, you might know people because of your solar business, because I'm sure evs are a big part of the solar business, right Yeah. Yeah, They're pretty easy to do. Any all licensed electrician can do it, and we often do them as part of the solar system install have you had anyone say they couldn't do it, Cheryl. No, we had one person that was out I think it was

yesterday, and he gave us a bid. We just kind of wanted to get a second. May I ask, and don't tell anyone when you do call them what the bid was, But I'm asking you what was the bid? Kevin? Very different? Long. Yeah, they actually provided three options. One was a thirty I guess it would be a thirty amp option, one was a fifty amp option, and one was a sixty amp option. Because it's not a fully you know, it's not an all electric vehicle,

it's just a plug in hybrid. Yeah, well, the plug in hybrid, you definitely don't have to go above thirty exactly. But out of curiosity, what were the prices? Just roughly on the thirty, fifty, and sixty. I might have to pull it up, but the least expensive one was about forty one hundred, and I think the most expensive one was about fifty eight hundred. And the reason for the extra cost is our electrical panels

on the exactly opposite corner of the house of the garage. And by the way, by the way, I agree those prices are right in line. Okay, now, okay, now I don't know who you got it from. You didn't tell me, but those prices are right in line because I was doing some estimating as well, and I use you know, a plumb

line has a great electrical division, plumb Line Electric. We also have fix It twenty four to seven, which has an electrical division, and then there's eight eight eight Heating dot Com has an electrical division, and they're all well versed in it and really good people. But just out of curiosity, why are you going with a hybrid system a car as opposed to all electric? I honestly don't think we're ready with the infrastructure to do all electric. I'm

not comfortable with it. I think are the material requirements for the batteries and for all that stuff, We're just not as a country. Okay, you know we can't go to home depot and buy a bunch of lithium. You know. You know my thing was this, if I'm going to go and take the leap, I don't want to have to maintain two different systems. I want to get away from gas, I want to get away from oil. I want to get away from that crap and that's the reason if I

make the switch, it's going to be all electric or all gasoline. With hybrid, you're actually doubling, not doubling, your maintenance, but you have both systems to still worry about. Yeah, I understand what you're saying. Did you get the car already? Yeah? I did. What did you get? It's a it's a Kia Sportage top of the line TIA's Sportage plug. They're beautiful. I've seen them. I have a friend who has one.

Yeah, they're very beautiful, and the hybrid is absolutely wonderful. Yeah, and uh, did you get Let me just ask you another thing again, just out of curiosity of shopping around and looking. Did you get that flat kind of paint? No, it's it's not it's not a flat paint. I don't know what they call it. It's like metallic. Yeah, just the regular paint shop, you know, the flat pain people are learning of. People are not as happy as they thought they were going to be

with the flat paint. Do you know why? Because it takes very special care. You can't just run that through a regular car wash, you know. Anyway, Thanks for calling, and I think you're you're doing the right thing, you're right in line there. I want to talk to I want to talk to Rod Robel right now, Rod, are you there? I'm here. Okay, Rod, we've heard now you're a specialist. Is it TPA services? Is that it right? That's correct? Yeah. And I

talked to you about some retirement plans and stuff for my companies. And I also I know that you know a lot about them. Do you know about the new mandate from Colorado where employers have to provide Now they don't have to contribute us. I understand, they just have to provide a plan. That's

correct. So, effect of January first, the twenty twenty three, the state mandates that employers that have five or more employees and have been in business at least two years, they require that their employees have access to an employer's workplace retirement plan of some sort? What does it mean? Access to? So the employer sets it up, but they don't have to fund it.

Correct. And so in the Colorado Secure Savings Program is which what the state is set up as an alternative in fact that the employers cannot contribute to that. It's just withholding of employees paychecks and it goes into a rough type contribution into the investments that the state has kind of laid out for everybody. So does everyone get does everyone get the same exact allocation of investments? Then when they do that and that rough kind of thing for the state, you just

put it into a like a pulled fund. No, they get to choose from the you know, moderate conservative aggrass type of fund. So they get to choose how they want it invested with the available fund line up. Okay, And does that cost the employer anything? It doesn't cost the employer anything. The only thing it's gonna cost the employers maybe a little bit of their

time. So they're required to send in a census every payday, keep it up to date for those new hires, what people are contributing out of their paycheck, if anybody terminated employment, that sort of thing. So they have to keep a good accurate census and provide that every payday to the state. And when they do that, of course they're complying with the law. Now, those who have regular four one ks, they don't have to do that because they already have one. Right, that's correct. So it's just an

alternative. The safe thing is just an alternative. If you have a four oh one K or a simple IRA, you're not You're good to go, You're golden. And in fact, the Secure Savings program is pretty basic. As I said, it's basically automatic deduction from an employees dross pay goes into a rock IRA that deductions are set at five percent of the employee's gross pay. The employees can opt out if they want, or do more than five percent if they want. And that's about it, right. No employer constitutions,

no match anything like that. Now, are you guys as private consultants, are any of you guys in the industry coming up with plans for employers that might be somewhere between a regular full blown for a one K and the

state option where you can provide them similar things but maybe better. Absolutely so, we're seeing what a lot of employers are doing that if they are going to spend the times some sort of retirement plan in place, that they're setting up a qualified plan like a four one K plan where they can tweak it, you know, have some semassing contributions, or maybe have the contribution weighted

to the business owner where they get more than the employees. But there's all kinds of ways to design it. And with that said, the federal government is giving tax credits to offset the fees for these four oh one k plans. If you don't already have something in place, it has to be a new plan, and in a lot of cases it's going to cover most or all of the costs associated with a plan for three years. So we've had a big influx of employers saying, hey, I want something better than what

the state has, and the state really doesn't care. Their whole goal in this thing is they just want employee the workforce out there to have access and just so they've become retirement ready at some point, so they don't care if you use their plan. They just want They just want them to have access to a plan. Now I'm talking to Rod Roebel with TPA Services. He's

an expert on benefit plans and retirement plans. Ron As I thought I would get, I'm getting a few text messages questions, can you hold over the brake for just another few minutes? Certainly? All right, I'm gonna put them on hold, and we have more coming right up. Go with a sure thing Denver's best roofer excel roofing dot com. You don't pay a cent

until you're 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 Martine here, Redrocksars dot com is here. By the

way, we do have some questions for my retirement specialists here. Uh, and that is Rod Roble. He's with CPA Services and Rod, somebody wants to know what kinds of plans We all hear about four oh one ks.

But can an employer establish other kinds of plans for their people? They can, so there's a there's another one called the simple IRA, which the employer can make constributions, but they're limited to either matching them dollar for dollar on the first three percent of their pay and no more, no less that that's the required match, or they can do two percent of pay across the board,

whether or not an employee is contributing their own money. They're subject to deferral limits from their paychecks obviously, and that's more or less of a free type of plan. Any investment advisor can help them set those up. And then the other the other option really is a qualified retirement plan like a four oh and K, and a four oh and K can have lots of different design provisions that meet each individual employer's objectives. You know, are they just

setting up a plan because they're trying to attract and retain employees. Are they setting it up to maybe maximize their own retirement benefits and trying to give the employees something but not as right exactly it's called. It's called they want to be top heavy legally, but they want to do it. A lot of companies frame and I'm sure you come across from Rod they're selfish. They the bosses want the best retirement plan they can get, while at the same time

staying legal. They have to provide something to employees, right, exactly right, exactly right, Yeah, I mean, there's nothing really wrong with that. In fact, I have seen some self employed kind of people form an LLC and hire their family members so they can have retirement I mean, is that is that legal. It's certainly legal if the family members are performing services.

Yeah sure, yeah. Now somebody self employed texting me wants to know they don't have any employees, can they do something more than just you know, an IRA, they can, so we Those are called the solo quoral and K plan. Yeah. So they get the same limits as a traditional PAL and K plan with with employees. And so they depending on all their compensations and what their earned income is, that they could get up to get

like seventy six thousand dollars in wow plan. Wow. Yeah. And we do a lot of solo case for that reason that you can get a lot more in than you can in a STEP or an IRA. Now, what about without getting too far into the weeds, but a simple explanation, most people are trying to reduce income and they're trying to increase later savings for later on, you know, a retirement or a lump sum later on. What is a defined benefit plan? Yep, so a defined benefit plan, it's

a it's a pension plan. Those are you know traditionally we used to see years ago the airlines had them, big companies had them, but small companies can have them, right, Oh yeah, anybody can have it. A one life self employed individual can have those. And it's basically the amount of contributions that you're able to put in on a tax deductible basis depends on your age and your income levels. But isn't it isn't it the most you can put away of all the plans? It is by far by a big percentage.

So let's say a fifty five year old person making you know, a few hundred thousand dollars a year. I mean, you could easily get in two hundred and fifty three hundred thousand dollars because what you have a shorter period of short period the retirement and so this this defined benefit is what you're funding for to pay them out over the remainder of how long they're going to live, which could be thirty more years. So you got to really fund that

heavily. Now, what happens you don't keep that plan after you retire. You simply terminate it and roll it into an IRA and then you can take what you need to live on and or or yeah, you can do any number of things you could do. You could do some bond securities for income, preferred stock, you could do, you could do an annuity whatever, right, but you take the ideas to accumulate it, grow a tax tax

deferred, and subtract it from your income. That's the big deal. Now again, you know there's all kinds of limits and conditions and all of that, but people have been doing it. So this this other thing I ran up against, I think people should know. The only thing you can contribute though in all of these are we talking is is W two income or can it be ten ninety nine income? Depends how you're set up as your business

is set up. So if you're set up or taxed as an S core or a C corp, you can only use your W two wages to base your benefits on. If you're a sole proprietor or a partner ship, then you can use your scheduled C income, your net schedule C income to base your benefits on. So you can do it whether you're incorporated or not. It just now now, And I don't mind talking about this because that's why

you're on the show. You're an expert. I know. One of the things Mark and I ran into though on one of our companies, it had to be W two because of the way that company was structured. That's exactly right. It was being taxed as and S corporation. I see, I see, Okay, so a lot depends. Can somebody elect to go a different route? Can you elect not to be a C anymore and switch to another form of ownership? I believe you can. You know that would be

more of it for an accountant, right, yeah, CPA? So Rod, where do people get a hold of you? So? Our website is PPA Services, Inc. And when he's saying TPA, it's like Tom pop Alex. Right, that's exactly right. So we're a third party administrator of qualified retirement plans. We do all kinds of different retirement plans. And that's the only thing we did. Okay, and you came highly recommended. It's tpaservices dot com. I appreciate you being here, Bro, I gotta run.

We've got to take this break. We are more coming up. Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free no obligation comparison call compass insurance paying too much your coverage at dozens of insurance companies find out

now three O three seven to seven to one. Help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Mark, you know here three three seven to one to three talk seven to three each five to five. Okay, So Jake, you have a question about an engine light. Tomorrow's car day. So that's good news. If I can't answer you, what's going on? Man? Yeah,

just real quick. My daughter just purchased a vehicle from Carvana and she just told me that the check engine light on. I haven't checked it out or anything yet, but I just want to know. Is there any protections again selling a car with the check engine light on? No? Not as is? No they can do it. But yeah, I mean, yeah, it's as is. And whatever she does, man, do not drive that any more than she asked her. She needs to get that checked right

now. Go to one of our people. We have really good people at referral list dot com to get that check and you can ride right up to Kevin at Sheridan Auto Tech. But do not drive that damn thing. And if it's throwing a code, they can put a code reader on it in five minutes and tell what it is. But if it's a serious problem and you think they covered it up or anything, call me back and we would be happy to handle that. Okay, either way, thank you for calling,

Jake, Really call us back on marking it down. Is pending. Somebody wants to know something here for Red Rocks roof and solar red Rocks RS. We don't have a lot of time, but this what if they don't have a solar system. I never had this question ever, But they want to get batteries to store cheaper days, our cheaper times of the day of killowot hours. Does that make sense to you? Yeah, they can have the utility charge it, so they set the battery to charge from the utility,

and you can charge it when the rates are lower. Yeah, and use it when we're You could actually do that. Yeah, you just don't get any of the tax credits for installing the battery. Okay, so do like four panels. Yeah, redrocksars dot com. That's a good idea. And they're at three oh three seven zero four two four four nine. All right, Well we're out of time and uh for those of you joined us to Carde, we will be here even though it's a long weekend. So

remember I say this and I mean it. Called three Oho, three Martino, and save all your problems for me.