The Troubleshooter 5-7-25

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No Tom Martinez, Welcome, Welcome, my friends to the only, and I mean that, the only show of its kind. You know what we do. We solve problems, answer questions, take complaints. Our goal in life is to make your life just a little bit better. Maybe a bad contractors wandered into your domain and taking money from you. Maybe you've got some scumbag landlord that can't seem to get the furnace or the air conditioner working. That is what

Yeah, Mark, you don't sleep, brother. I don't think I've slept in like six years. Man, it's been a while.

That's crazy. So in studio with me Frank durand the real estate man, Stephanie Thomas Real Estate Extraordinary Colorado Springspike Peaks Region, and then Todd Terry Apple Air. Todd has been a member of our referral list for Oh My God, twenty years. I'd have to say that's right. Todd, hit that mike button. Would you say twenty years?

I think it's twenty five years.

Twenty five years, that's possible. That would be right around the start.

Back in the Father John Day, yep.

Father John Days. That's going way back. He owns Apple Air. They do HVA see they do heating. You guys do not do plumbing. Correct? Oh, I forgot you did plumbing? Electric or no? So you do the whole Gamut home services? Yeah, very cool man. So we'll be talking about that. And they have a special they teamed up with Excel as an Excel Energy and you can get a whole home audit and it's pretty cool. We'll get into that in a little bit. I want to get to the phones.

Uh.

This one came in yesterday at the end of the show, and I knew we'd have to spend some time on it. But this sounds horrible. Diane, something's going on with elderly abuse. Fill me in. What's happening. What is the relationship to you. I hope it's not you.

No, it's not me. It's my neighbor. And uh, he's elderly who he's a disabled veteran, but his mother he was living with his mother for like the last ten years and then, uh, like a year ago, a year and a half ago.

Diane, you just sparked some curiosity here, elder abuse. It's your name, so I assume he's elderly, but he was living with his mother. How old is he and how old was his mother?

Well, his mother is still alive and she's like probably eighty three or eighty four, and he has to be sixty six or so.

Still And does he still live next door to you or no? Yes, he does, Okay, now continue on.

Well, so.

His sisters came and took his mother out of the house, said that she had to go to some doctor's appointments, and so hit her out of the house and never brought her back. And then they took her over to the younger sister's house. And during this time she fell just recently in March, and with two black eyes and stitches in her forehead, and.

So they took her to the hospital.

And so two officers came to the hospital because of she was an elderly person and sure.

They have to come.

Did anything become of that? Did anything become of the officers? Where are there any charges filed against anybody? No, So they think so from the best that you know, they think that she possibly did fall or something along those lines.

Well, she said that she fell at her daughter's house, got it, which is in Federal Heights. So he reported that to the Federal Heights Police department and they opened a case, but he hasn't heard back from them.

And then what is his first name? What is your neighbor's first name?

Uh, Ricky?

Does Ricky think that his sister did something?

Well, they're not.

He thinks that they're stripped, equity stripping her. So they got power of attorney and they got guardianship over the mother. And as soon as they got that, then they threw into a nursing home. So she's been in a nursing home, okay, and she wants to come home. She's coherent enough to come home. They were just in court, not I guess here maybe in March, and the judge gave the older sister guardianship of the mother, but she doesn't. But the judge doesn't even know what's going on with a mother.

Diane, I just I like covering all aspects and I've got some more questions for you. But is it possible that she really, you know, did fall, did hurt herself, and it was getting to the point where she probably did need twenty four to seven care. So they did go through in front of a judge, and it sounds

Well, I don't know. I think if they're paying for it. There's so many things. They evicted their brother, okay, out of the house, so he has to be out by June thirtieth.

And that's your neighbor, and yes, okay.

My opinion is that they're just trying to equity strip their mother because they want him out and they're going to sell the house. But another counselor from all the twenty came and was talking to the mother and or the sisters at the house, and he said he didn't know why she needed to go to a home, that her home was perfectly fine for her to be in. And she was.

But let's not let's not forget she. Let's not forget that ane she ended up in the hospital. Has has your neighbor gone? Is Ricky gone to see his mother in the home?

Yes?

Okay? And then what once? What is he relaying back to you.

That his mother wants to come home and they won't let her come home. They when he goes to visit her, they have a counselor in the room where they where she's at, so he can't talk to his mother by herself.

Yeah.

They they've gone in and they've taken her check book out of her purse. They changed her mailing address from her house down to the sister's house.

I guess the real question. I guess the real question. And why you're calling and tell me if I'm incorrect. You want to somehow verify that this woman is is being taken advantage of. I mean, is that kind of what it comes down to?

Yes, I think she. I think she needs her own lawyer so that she can speak because her daughters won't let her speak.

Well, what does that mean? You're your neighbor can go see her and speak to her once a week? You said, what does that mean? She can't speak for herself.

She wants to come home and they won't let her come home. And there's an Adams County counselors that said there wasn't any reason that she couldn't come home when she fell out of bed. I think that's what she said. She slipped out of bed or whatever.

But hold on, here's what I want to do. Let me here's what I want to do, Diane, because I want to I do want to talk to an attorney. I want to talk to an estate planner. I want to talk to Mackenzie. So let's get Mackenzie on. And I am curious. How does someone petition the court if they really do feel like they should not be in

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All right, three oh three seven one three eight two five five. I let you know when the line is open. We got a lot of stuff cooking right here. But Dan mackenzie, he is our expert when it comes to anything of state planning, asset protection. But Dan, I do have a question for you, and I'm not saying it's going on in this case, and you can ask whatever questions. The caller's name is Diane. But Diane's neighbor is the

I mean, I would just note that power of attorney gives people the ability to make decisions for you, but it doesn't take away your ability to make your own decisions too. So just because you're wreacting as my agent doesn't mean I can't make my own decisions. So that is not that should not be a basis for holding someone against it, and there will in a care facility like that. Normally, if you feel like they're trying to make a decision that's harmful to them, you've got to

And see, I'm wondering, Diane, do you know if they actually have guardianship as well as just a medical or even an economical power of attorney.

Do you know the answer to that, Yes, they did get guardianship.

Okay, well there's that that they calculated all of their moves to get that guardian.

Diane.

I get that, and I'm not saying that didn't happen. But I'm just more looking at this from with Dan, at least from a legal perspective. Meaning if someone did go in front of a judge and was granted guardianship Dan, but that person really doesn't think that was right. A week later, a month later, what can someone do? If anything?

Guardianships do require regular reporting. It's not like the court just to sign that person is guardian and then says good luck and you know, hope we don't see again.

I mean, the.

Guardian does have to.

Regularly the report to the court what's going on, and that case would still be open. So Diana, you think there's something, I mean, you might have an opportunity. I don't know if you were notified about the case. Normally, close relatives are supposed to be notified so that they can they can submit there. Well, I guess they're not a relative, you're a.

Neighbors that Yeah, she's the neighbor of the sun okay okay, okay, well, well, relatives would have a right to participate in that case.

Two two cases have been filed, with the one with the Federal Heights Police because she didn't fall down the stairs, she slipped out of bed and so then they took her to the hospital and then two officers showed up and she said she fell at her sisters, but the older sister said she fell at the nursing home.

Maybe they don't. But maybe she's confused, is my point, Diane. I don't know.

Yeah, but maybe she's not confused.

I mean that maybe that's true. But wait, hold on, And this is why I wanted Dan on Dan. When someone tries to get guardianship, I mean, it's not like the judge is going to be in cahoots or something. I'm not saying that's never happened, but typically speaking, what do you have to prove in court? I mean, how does that go?

I mean, yeah, normally my experiences that judges are very skeptical and worried about taking someone's rights away to manage their own care. So they do proceed pretty carefully. And that person who is the subject of the guardianship is often included in the case if they can be, and if they don't have a lawyer, that they hire their assign one, which is, you know, a guardian at item situation right like here's it's like almost having a public

You know, years ago, going to the exact point you just made, Dan, you're ars ago, Tom got a call and basically ended up getting a person out of a home and it took a legal battle and it took some other stuff to get done. But it was kind of an abusive situation by one of her children, and it's just crazy. I wish I could recall the entire story. But when you first hear a story like this, you do you go, well, man, the judge would have to be involved or not care, and a lot of things

What he's hoping for. Somebody else from the outside will look and talk to her.

Yeah, without even without possibly without him being president or whatever. But I don't even know. Let me can can can the guardian actually say no, no one else can go visit.

No?

I mean the courts often do, especially at the beginning, but I think they can do it at any time. As their professional visitors, they go out and see what's going on at the house. I mean, they work for often the Adult Protective Services Division. So maybe the son could contact them and see if they could have a role in this, but it would probably be through the I don't think you could just hire a lawyer and get the one out there. It probably would require some sort of action within that guardian.

You case, well, that's probably what he's got to do. But even if they hired a lawyer to represent him, well, I guess it would still be his mother. It's so complicated, but you think, maybe say that again, who would you who do you think they should reach out to?

You?

First? Adult Protective Services?

Yeah, I mean it's it's no reason not to do that. I guess for the county where the mother is living, we Adult protect the Services there because they're the ones that often will send visitors out to people that they're concerned about. Yeah, that might be a starting point. And then yeah, a lawyer who can potentially file some sort of request for the court in the guardianship case too.

Lawyers that however, every lawyer there have a passage. We don't do that. We don't handle that. We don't, we don't, we don't, you know, and he's up against he's just so frustrated.

Well, I mean, what do you the lawyer a minute, when you say he doesn't handle Diane, When you say you talked to he talked to all these attorneys, I mean, what attorney would you call dan? I mean, there's got to be a lot of attorneys to do this.

Probably elder log attorney, which is slightly different than an the state planning understood, so that, yeah, there is an area of log that focuses on elder issues, and this might be what guardianships are frequently part of that. He might be running into people people who do guardianships but don't necessarily do ones that are contested. I mean, this is like a contested case.

That's a that's a level up.

Yes, I know what. I know somebody that does these and it's the Harris Law Firm. They do elder abuse cases. Okay, so you might call and talk to them, but i'd call I'd listen to with dancing, because if you can get adult services involved, you're not gonna have or he's not gonna have much of a cost to it. You call up a big law firm like the Harris Law Firm, I mean you're gonna be He's going to be four five, six hundred bucks an hour, and who knows what's going

Well, he said he's called the police, two police departments.

Uh, well, what do you expect the police to do?

He's called the governor's office, he's called he's just trying to reach out to somebody that'll listen, that will say, okay, we have somebody that will go investigate an elderly person abuse case. Just go talk to her, you know, is she really.

Is she saying that? Now, wait a minute, Diane, there wasn't one thing you've told me during the whole conversation with or without our expert on Dan mackenzie. Where I heard about abuse? I heard that she fell here or maybe she fell there. But where do you think the abuse comes in?

Well?

Do you think do you really think sister beat up her mother?

Can't make no phone calls?

Do you really think this sister beat up her mother?

No, I don't think the sister beat up the mother. I'm saying that for them to take her out of her home, I got you, and to put her somewhere else where she.

Is still good.

I got you, I got you. But please understand, they did go through a judge, they did go through a lot. I would do exactly what Dan said. I'm gonna have give you the Harris Law Firm number two if you want to call an attorney, but you're not gonna find Once again, I don't know his means. I don't know if he can actually afford this kind of attorney. But I bet they would talk to you and give you some advice and then just like Dan said, call adult

Man, thank you.

Yeah, and you can go ahead Dan.

That it can why people to hear asset protection, they're kind of thinking the rich and famous, but a lot of people do stuff. You know, people form companies, you're buying insurance, you know, you know, you don't.

You don't just like.

Spending money on insurance.

You're aware, like lawsuits are always a risk for everybody.

So it's something thing about, No, it's something to think about big time. How about people whose parents are getting elderly and they want to start thinking of maybe a little medicaid protection from Uncle Sam taking everything they've made over the years. I'm just kind of throwing stuff out there. These are the kind of conversations you have with Dan, and you can reach Dan it eight three three co plans, Colorado Plans eight three three c O Plans. I appreciate

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All right, one line open three oh three seven one three A two five y five A Mario, hold on. We're trying to get Nick Ravina up. We sent him those pictures, but honestly, I think the installation job is absolutely horrible. I think it's horrible by renewal by Anderson, But I want to I can't imagine Nick's gonna say anything else. He might not put it in the exact same words I did. Hey Dan, what's your comment on that elderly abuse call? Hey Dan?

Oh?

Yeah, can you hear me?

Okay, yeah, I got you.

Man, Go ahead, sir, Hey.

Mark, listen up. So I just had a thought the son the disabled veteran, if he's truly a disabled veteran and he's connected to the VA right now, then there should be some advocate within the VA that he can go to because he's being evicted from that home and being a disabled veteran, there are requirements when he's living with somebody in terms of giving him a safe place to live and all those kinds of things. So there may be an angle in there where you know what I'm saying, Yeah.

Who do you think?

So?

How would you? I just I know very little about that. I know, once you're in the system, you probably do. I mean, like literally, he might have a phone number. He might not be in the system at all, though, But you're right, in fact, I'm sure she's still listening if he does have an advocate. Let me ask you this though, Dan, If he doesn't have an advocate right now, but is truly a disabled veteran, who would he reach out to do we even start that process not just for this but for his whole life?

Right so he would want to contact the DAV disabled American veterans. It's it's part of the VA system, but they are the ones who manage the benefits that you're entitled to when you are connected to the VA.

I got it right here. Look look man, that was so that was This is great information, man, dav Denver. It's right down on Callfax. It's a big well, it's not a huge building, but it's a big building seven two zero three seven nine thirty four h five. That is a great starting point. Once again, I mean, I don't know if there's anything the fairy is going on. I don't know if this was the right thing for

That's right.

Are you a disabled vet?

Yes?

There I am.

And where did you get disabled? If you don't mind me asking? And what service.

I was in?

The Navy. I was in the First Gulf War back in the early nineties. Yeah, and I was exposed to oxes from burn pits and chemical agents back back then. So I deal with my whole nervous system has been affected by this, and I live with large amounts of pain every day.

So let me ask you, Dan, how is Uncle Sam honest to god man? How is Uncle Sam taken care of you when it comes to this. I mean, I understand just the fact that they, you know, the burn pits are horrible. There's a lot of people affected just like you. So let's and I just want to put that aside, meaning that happened. But how now that that's happened and you're dealing with that on a daily basis, how does Uncle Sam take care of most of you guys?

I will have to say that.

Unfortunately, it's a pretty Uh, it's very individually based on what your experience is.

Going to be.

Okay, it depends on.

What VA.

Office or you know, medical center that you visit and what staff is going to be, you know, working with you, because it's very inconsistent with the VA. Fortunately for me, I'm connected up in northern Colorado, so I I go to Cheyenne, Via for most of my major things, and then I use the Lovely and VA as their satellite office for some of the day to day kind of you know PCP type stuff. So primary care.

Wow.

But in any case, I have received fairly good care, except for the fact that it is painfully slow, especially when you're going through the diagnostic space. It's taken me almost three years to actually get service connected, and I've been dealing with this pain for twenty five years. That's started in ninety.

Four, So you know it's slow.

But once you start getting the ball rolling and start thinks, things start happening. I have been taken care fairly well.

So you've got basically you're saying you've got to stay on it. You've got to stay on them and advocate for yourself and things will move along. If if you're in an office, it gives a crap because it sounds like an office in Denver. And I'm just throwing that out because I assume it's a lot bigger, might be a little harder to deal with.

Well, when he calls, if they actually home or he actually is a resident of Denver, then that's the right office to call. That if he's not a resident they have They usually have advocates in almost every city in the area, so it's not easy to access them. Hey you know I have two or three Yeah, yeah, yeah, definitely thanks for.

The information, but also thanks for the service. That really big time. Dan. I remember that war that was the original shock and awe. That guy's probably close to my age, maybe a little older, but I remember that Kuwait deal and we rolled in that first bush Man like they

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All right, three oh three seven one three eight two five five. We've got a lot cooking here, June. I promise we're going to get to this issue with your towning country. And Mario, Nick Ravina, who I sent over the pictures, uh, just texted me. He's going to be available soon, but he's finishing some thing up. So both of you right afterwards. We're going to get to but

Let's kick k So.

I brought my car in to get fixed, and it got fixed. But after I brought it home and looked at the car, I noticed that there was some damage in the front of my car.

After you picked it up, go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until your content time for an insurance check up free no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one help.

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The Troubleshooter Show. No Tom Martinez, Welcome.

My friends to the only show of it's kind where we tackle any issue you need help with. I don't care if it's a bad contractor or you think someone is abusing somebody that's elderly, anything we try to get involved in. During the break, we were kind of talking about that call. I'm not gonna dive back into it, but the reason I bring it up. If you go to YouTube dot com type in Troubleshooter Network when we're

He hasn't texting me back yet about when he can get on.

Yeah that's fine. So like what I'm saying is, let's free up line two. I got you, So we'll have one line open three oh three seven, one, three eight, two five five. We have got a plethora of questions here. I'm going to finish up with June right after this. But Todd Terry, we were talking about the break. You guys do a whole home energy audit. Todd is with at Actually you've owned Apple Air, been on a referral

Right, that's correct.

Get closer to that mic for me.

That's correct. Mark in home energy audit of Excel Energy will pay up to sixty percent of the costs of the audit up to two hundred dollars for gas customers customers that are homes are heated by gas.

So listen to this, folks. So after that discount, let's get to the nuts and bolts, Tom or Todd. Is it like five hundred and then minus two hundred? What is the net cost if they're Excel Energy customer, four.

Hundred and fifty dollars for an energy audit. If they're a gas customer.

And then they get two hundred.

Off, they get two hundred dollars off.

So they only net two fifty for the whole thing.

That's correct.

Now listen to what these guys come out and do it at your house and think of air conditioning. You're getting ready to turn that on. How much of that air conditioning leaves your house. What do you guys do for that two hundred and fifty bucks.

We go in and do a whole home energy assessment. We'll make recommendations for the on the heating and cooling, on your appliances, on infiltration, the will do a complete analysis of the duct system and basically you'll leave with a complete report of your performance of your home.

And Excel picks it up. Now, do you do like any kind of weather ceiling during that?

We absolutely do.

We do so like around doors, windows, you do the weather ceiling. Yeah, how about insulation.

Insulation in the attic.

Hey listen to what you say. Two hundred and fifty bucks insulation, weather ceiling around the house. Then a full report. They're going to make sure your registers are doing what they're supposed to do. And you set that little what is that a reverse air box.

It's it's a blower door test. So we will extract all the air out of the home and see where it's coming in, and we'll go and retreat and find where the infiltration is and make recommendations for sealing those those areas.

And you'll test the efficiency of say the air conditioner that is correct.

If the air conditioner the.

How about like let's say you go look at the cadenser outside and it's packed full of like leaves from winter cotton.

Cotton is a big one. Cotton's a big one, Yes, from the cottonwood trees.

You guys blow that out.

Absolutely, we clean it out.

It's and it's all part of the two hundred and fifty.

Absolutely, it's the weather.

Ceiling in the insulation that gets me and Excel. This is one of those benefits that there's a lot of people that have Excel and they're lucky because I don't have Excel. We've got black Hills or whatever. And they almost offer nothing ever for anything, right, But Excel does offer a lot of these rebates, so you can sign up for that. Listen three oh three seven three three

I think I did too, Mark.

Yeah, that was really cool, man. And that unit's still up and cruising like one hundred percent.

That's good.

Yeah, it's our upstairs unit. So here's the good news. When the kids moved out, that unit was for upstairs.

Huh.

We were able just to turn it off. We just simply don't use it. So our energy bill went down.

Oh fantastic.

All right, So you can go to appleair dot com as well. You got an E at the end, right, that's correct, Appleair with that E at the very end dot com or three oh three seven three three twenty eight thirteen. You should get that book the four fifties a great price, but then with a two hundred dollars rebate. That's incredible. Hey, June, let's go. Let's go back to this car issue. So you bring it to a shop, you pick it up. You didn't notice when you picked it up, but you get the car all the way

Yeah, yes, it just looked like a truck or somebody maybe with a pole or something. I don't know. Somebody backed into it.

Somehow, and where was it on the car, the front or the back. Where was it?

Well, it was on the front right corner, I believe.

And how come you didn't see it? You walked up to the driver's side basically and didn't even see that side of the car till you got home parked and then walked into your house and you pass that side of the car.

Yeah, I mean I saw it the next day, and then I called the shop and he said, well, you can either bring it in when you get that next inspection, or you can bring it in tomorrow or today whenever that was. So I brought it in. I said, let's just let me just bring it.

In and show you.

And what did you say when he looked at it? He said, yeah, it looks like a fresh mark.

He did, he said, yeah, it looked like a fresh mark. He goes, okay, So he was pretty good. I mean their shop is pretty good, and you know, it seemed like he was going to fix it and stuff. And then I didn't notice that he made some calls to me that I didn't get, so I got to call him back. But I also noticed something in the back. So I'm just wondering. I'm just more like the situation.

So Ultimately, you've got a question. You've got a question. In general, a lot of people don't understand when you have when your car is given to someone into their custody, like when you drop it off at a shop. There's a couple of things here. Let me ask you this. If you dropped it off and there was a hailstorm, do you think that they would be responsible. No, nope,

So, because they have a very tight it's a very small parking lot. They have tons of cars in there.

So after talking to the manager or owner and showing the damage and he acknowledged it looks fresh. What was your impression of where the conversation was left. Did you think he was going to do something like fix it or what was your impression of his reaction?

Yeah, my impression of his reaction was that he was going to do something, but.

Then nothing happened. What is the last conversation you had with him?

Well, and I think I was looking at my phone log yesterday and I think I did see that he had called, but I didn't see that before. So I'm My impression is he's going to fix it. I want to mention the backside, but he may not be amenable to that, but I just want to. My impression is I want to see what he's going to do.

Do you have a picture of the damage? I do, Can you hold let me put you on old I got to take this break. Anyhow, send it to well Kelly, You'll tell you where to send it. I want to look at the picture of the damage. I'm curious if it looks like a car, or if it looks like a tool, or maybe if she was getting an oil change the thing you push up under the car. I mean,

Go with a sure thing Denver's Best roofer Excelroofing 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.

Alright, three oh three seven one three A two five five. As soon as I get those picks of that car, I'm going to try to even get them up on our YouTube channel, and then we're going to get her back on hopefully give her some good advice. I'm hoping they step up, but I'd like to see what kind of damage it is. Now David's been holding for a while in a reverse mortgage question.

Go ahead, David, thank you, Yes, I have I have a question in general. I'm planning on purchasing a house very soon, within a couple of months. It's it's a state of being built. Sure, I'm sixty six years old. If you have a general death that you can guess for me that I could collect to a government sponsored reverse mortgage plan. Let's say when I'm seventy, and let's say the house is worth seven hundred thousand at that point.

Well, when you're seventy, you'd probably be able to tap into almost fifty percent of that equity.

And so what would that look like in monthly payments? Is there such a thing as they structure something?

Yeah, they could calculate. They could calculate it based upon what your what the average death would be at at a mail I don't know if that's eighty three, I don't know what that is, but they would calculate it than do the division. Then you would basically get that check or even better yet, you would just why not just do a line of credit that you can use. And the reason I say that on the line of

You know, that's that's over my head, to be honest with you. So I thought it was a different type of arrangement where you get a monthly check. If you were to live extraordinarily long, you'd still continue to get those checks.

Well, that's more of a let's do this. Let's get John Clayson for this guy, Kelly, Yeah, let's get John on. I think I don't think they do it the way you're thinking, But let's ask John. I mean that sounds more of like an annuity product. What age are you gonna buy the house.

At at sixty six? And I didn't intend to stop working until seventy? Yeah, and that the house is being sold, it's a new build. It's being sold out for six sixty or six hundred and sixty thousand. Yeah, I'm just gonna get this to me worse seven probably four years.

Yeah, that'd be right. But you're not gonna buy it with the reverse mortgage, right? Are you gonna buy it like cash or or go ahead with cash? Yeah, and then you would convert to you would basically sell it back to yourself using your reverse mortgage.

Right.

But I thought I was selling to the government.

I thought they were giving me money on it.

Now they're government back. There's a lot of regulations I'm gonna have. I'm gonna have John on in a second, but I'll tell you a few basics everybody else out there. So one people think because the government is kind of involved. There's two things. One, you can only charge so much, whatever those amounts are, whatever those percentages are. Whoever's doing the loan can only charge so much. But where that confuses a lot of people, other people can save you

Well, they allow it to It's usually depending on the loan size, but they the Rich Nation fees usually kept at six thousand. But it's the mortgage insurance fee that's the most expensive.

And that's really depends on what your loan amount's going to be.

Got it And that's where you guys just I mean, but you guys can do better than almost anybody out there on a reverse Is that correct?

We can, Yes, we can lower that origination fee and we do that all all now.

Now listen to this question. So let's let's go through the options real quick. He's sixty five, he's going to pay cash for it. When he's seventy, he's going to turn around and do a reverse mortgage on it. So on one hundred percent of it, and at age seventy he would get pretty close to he'd get close to fifty percent. What would you get as of right now like forty seven.

What No, No, probably forty five, forty five.

So he'd get so he get forty five, and then the options would be you have a line of credit for that equity, and that line of credit would grow along with that interest rate. So what what would that be right now? How much with that line of credit roughly grow each year?

Uh? Well, it grows.

Actually, what it does. It increases by the size of the mortgage insurance. So and it's really it grows because you get older, but it grows by about you know, it grows by about you know, two percent.

A month on there.

Okay, so it grows grows quite a bit. If you're not using it, it.

Grows a lot if you're not using it. Now what are you? What are your options? John? On monthly checks? So instead of getting the line of credit, how does the bank or how does cmg in this case, how do they actually factor? Is there any product with reverse mortgage where you get guaranteed a certain amount till the day you die? Or that does not exist?

Exactly, it doesn't exist.

And then we run in It depends on the age.

It's called the tenure.

But you can do Okay, you're guaranteed this much per month when we run it, you know, based on age and value the house and things like that. But it's guaranteed for the rest of your life, and you can also do different things. If you needed more, we can run that number and say, okay, this will last you for twelve years and then you're out.

So there is a product.

There's many options.

So there is a product that could just yeah, basically, you know, the guy lives till one hundred and fifteen, he's going to get that same amount till the day he dies.

Hey they dies.

Yeah, I didn't know that. It's almost like an annuity.

Yeah, it is.

And then you can do it many different ways where you can take a lump some say you needed twenty or thirty grand out first and then see what it'll give you on on a monthly basis. So a lot of options with the reverse mortgage as far as over.

That name of that product, well, it's a reverse mortgage. But the company I would go through is John. I literally use John at CMG. John, I say this in your spots I do for you. How many billions do you guys do a month?

Or we're about three billion across the country.

So think about that. First of all, if you're listen on a podcast or YouTube, you can call John up. He can help you with these products all over the country anywhere. What that phone number John's at three oh three eight eight two six' six seven nine or his website so, Easy partner In lending dot Com partner In. Lending but he's happy to answer any questions for anybody. Listening but the bottom line, is AND i really want to drive this. Through he doesn't go. Out typically a

Yeah it's a very easy way to say. It they'll, do you, know shop to many different brokers and you don't know if they're giving you the best deal or.

Not and, yeah, yeah SO i mean go direct with the. BANK i don't know how else to put. IT i don't know WHY i Use john. There i'll say it right. Now he did my all in one. Loan and that's an another incredible. Thing in, fact let me ask you Something, john while we Have david still on. NOW i don't know what the income requirements, are but it's an asset base, loan so basically my house AND i don't want to

That thank you so.

Much, hey thank You. MAN i appreciate. It And, JOHN i appreciate you coming on as our expert once, Again partner in lending dot. Com thanks, Again, John i'll talk to you, Later partner in lending dot. Com, now everybody hold. Tight we got an issue With, verizon a contractor, issue and much much much. More right after, this.

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Right three seven one three eight two five. Five you've been ripped off for taking advantage Of we love, Education we love. Educating we were kind of talking about where business was at in. General Todd, terry owner Of Apple, are said something. Interesting when all THAT covid money was going, around there was people buying, uh furnaces acs left and. Right, huh, man think of all the money people.

Had, yeah there's a lot of money flying. Around, UH covid. Money we call.

It yeah what our our kids were, eighteen, no, yeah eighteen and twenty IN i think twenty. Twenty FIRST covid. Checks they got full BLOWN covid. Checks our kids got like four grand From Uncle. Sam crazy because they filed their own. Taxes it WAS covid. Money it was LEGITIMATELY covid. Money then a lot of people stealing From Uncle, sam GETTING covid loans they probably never should. Have right here In, colorado the unemployment was taken advantage of so bad it's.

CORRECT a lot of people were staying or a lot of people were working from. Home during those, TIMES yep tak't care of much needed projects and improvements in their, homes AND yep heating and their. Conditionings at the top of the lists energy. Retrofits so the insulation and windows and that money was just flying. Around it was great for all of us contractors and that.

Energy you, know you got going now, though for two hundred and fifty bucks, man you, come do all the weather. Ceiling if an addict needs, insulation you add. That you run the entire house to make sure there's not big gaps. Anywhere you clean the condenser on the FREAKING, Ac you check the, furnace you check, everything.

Check the air conditioner for energy. Efficiency and, uh just.

The weather stripping alone is worth at it's it's.

Huge the air infiltration is often that's where all OUR ac goes. Overlooked, yeah that's, correct all, Right?

Bill what is going on with? You by the, way two lines open three h Three martino three zero three seven one three eight two five Five? Bill what say?

You good?

Morning. TOM i hired a contractor to do some work in my home.

And we reached a point where the relationship has to be severed mid. Contract SO i contacted your organization to see IF i could get a list of maybe three names of, arbitrators because, that's you, know in the contract it says that's the first step in the resolution. Process AND i don't know any, arbitrators and SINCE i no longer trust my, Contractor i'm not really Sure i'm going to trust an arbitrator that he comes up.

With, well the arbitrator is generally from a. List i'm sorry about, THAT i missed the cough. Button but generally, speaking if you're going into mediation or arbitration and it's, binding you would typically have a list in that contract that says something, like you know arbitrators Of, america AND i can't remember exactly what they're, called but you would both pick somebody from. There you would never go out and hire your own for the same reason you don't

Says that if it disputizes concerning any, matter both parties agree to meet with a mutually acceptable mediator to resolve the.

Dispute, okay, well then means you both got to find a. Mediator, well, right but there's no. List it doesn't point to anything LIKE, AAA, I, C D r anything like.

That, no, sir it does. Not it just says mutually acceptable to meet with a mutual mutually acceptable.

Mediator so.

You, Know i'm looking for someone who can perform.

That, function, right BECAUSE.

I Mean i'm not in the.

INDUSTRY i don't know you know anybody that's a you.

Know that's a mediator creator.

Knowledgeable in the construction.

Industry look at. It and that's part of it. Too, Yeah and it's a big deal because you're both according at least to your, agreement you both need to accept the same. ONE i would reach out to them with some ideas that you have for a. Mediator what kind of problem is, it by the, Way, well the.

Problem is that.

The trust between the parties has been.

No But i'm, Saying i'm, saying when you get down to the nitty gritty of, it is it like a? Roof is it like a basement? Refinished because you're going to want a mediator that, understands at least the. Industry you don't want to go to a mediator that understands car problems for a landscaping. Issue and that's.

WHY i called, you, Folks, yeah we don't.

KNOW i figured that you would know a. Lot you would Have you would know mediators who had knowledge of the construction, industry and you could give, me you, know a few names THAT i could, propose and then he could pick.

One That i'm going to go back to the same. QUESTION i just asked you what kind of? Construction what are we talking about?

Here we're talking about since we're talking about basement.

Finishing, okay so it is it's like a basement. Finish i'm trying to think WHO i would know that would have a great mediator lined up for. That you know WHO i want to get. On i'm gonna put you on. Hold get Me, Shamansky, kelly get Me. SHAMANSKY i bet he knows someone that we can trust as. WELL i bet, YOU i bet. You and it's kind of weird that the other person would have to agree on the Same

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Two all, right so check it.

Out very. Interesting let me pull this guy back up by the. Way three oh three seven one three eight two five. Five so That's, bill, right, Hey, bill very. Interesting, Here i'm gonna give you a, website all, right, Okay Colorado mediation dot. Org it's known as THE mac and these are. People it's the largest, statewide private nonprofit organization dedicated to the promotion of mediation and people that belong to this should be acceptable to you and should be

Well the contract states that mediation must occur before any legal.

Proceedings, yeah so go, here that's. What then you're going to go, here and you're going to search by county or you can even search by. City so if you're In Douglas, county you Hit douglas and then it'll actually drill down to is it a construction? Issue is it?

This is it?

That?

Whatever it's going to give you different.

Things all, right and can you give me that website one more?

Time?

Please, Absolutely Colorado mediation dot Or, Okay, YEAH i.

Just wanted to make SURE i n there all correctly and.

Listen they're all approved by the, state which is gonna be important long as they're a.

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Oh three nine two zero sixteen twenty.

Two, yeah.

Ripped of, news so you don't have.

Come run instant as we. Can no shit's gonna help.

Come this is The Troubleshooter, Show No Tom, martine welcome my friends to the only show of as, guy and we're here to solve, problems answering, questions take your.

Complaints we've been talking about everything you name it, today elder abuse all the way to people getting ripped off from different, deals either a shop that got apparently, damaged the lady's. Car in, Fact, kelly did we ever receive those? PICTURES i can't wait to get her back. ON i know she was having a little hard time emailing. Them i'm not yet, okay dying to see. Those and then we've got a full. Lines but don't forget even when

Go SO i go as far north As, Firestone, wow and as far south As Castle rock and everything in, between From kingsburg all the way To Gold.

AND i know you go To, franktown and we go To.

Franktown my kind of.

Town.

Mark that is. Funny you love it out there every time you've come. Out of course you found that house for, us but every time you've come, out you're always, Like, oh it's so tranquil out. Here it's like you leave the. City then all of a sudden you're in the woodful.

Drive and every TIME i go to see, It, mark Anytime i've been down, there there's always a family At DEER i see every.

Time, goodness everything right, now they're. Everywhere so right now it's the wild turkey and the deer are literally. Everywhere, todd you have a you've got a little lake. HOUSE i say. Little it could be. HUGE i don't know In. Nebraska where is that In. Nebraska it's By late.

McConaughey it's on The North Platte river that feeds Into late.

McConaughey so you can get to McConaughey on a. Boat, uh not on the.

River, yes we can on. Kayaks my wife AND i got a two person kayak and oh, cool it's an eight mile.

Float and you've had that place, Forever.

Yeah quite quite a long. Time.

Yeah didn't people go out there to watch the solar eclipse a while?

Back.

Yes in, FACT i was on the phone With tom And tom was flying over in his. HELICAPES i flew in his helicopter AND i was on the. Boat my wife AND i were on the boat during that.

Eclipse you know what he, Said it's so funny when when he lands a helicopter at a place like. This, yeah at that he's basically landing in a field at a, Lake and what's remarkable is people just run up to. It, well there's blade. Spinning there's things going. On you would think nobody in their right mine would run up to, that but people just run up to. It it's like In. Allure it's, crazy, Man it's absolutely. Nuts, sorry listen three

You?

Robert? Please what's going?

On?

Man, well first of, all thank you very much for taking my call Of, SURE i am dealing with a problem for more than a year. Now it's about a car, port And i'm dealing WITH i Believe Shembrock Building corporation And Building corporation that you would understand the whole story a year. Ago actually we have to go back To october twenty twenty, four that is WHEN i talked to a gentleman about building a car. Port the gentleman was fired In december twenty twenty, four.

And i'm, sorry hold, on let me how DO i pronounce your first?

Name?

Robert?

ROBERT i KNOW i had that, right dang. It WHEN i said, it you didn't. ANSWER i was, like what? Anyhow? Robert let me ask you a couple. Questions So, october how did you find this guy that no longer works? There and what company did he work? For what was it?

Called so basically it's A Chambrack Building corporation Or Clearly Building, corporation Because i'm dealing with both of.

Them, okay who did this guy work? For the last CALL i had On cleary pissed me. Off i'm just going to tell everybody That cleary used to be a great company in my, opinion AND i don't think they are. Anymore but that's just my. Opinion but did they work For cleary Or? Shamrock?

So, Okay but the problem you see THAT i believe WHEN i went to the INTERNET i was looking FOR i wanted to be at a metal. Building, yeah and so this is the REASON i went. TO i Believe, cleary but you see Under clear it goes To. SHAMROCK i think the owner of the company WHO i am dealing with Is, shamrock but at the same time he's getting the material From, cleary AND i think the Plantforms.

Cleary so this is the.

Reason there's two. Companies AND i talked To clear for, example.

Are they In Larimer? County are they up In Fort? Collins The Shamrock, yes, okay so there Are this is for everybody out. There it's instruction company and they probably are buying the materials From. Cleary so they're going To cleary for the materials the metal building or structure for your car. Port does that sound?

Right?

Absolutely, yes, Absolutely.

So that's all In. October the guy you bought it from apparently was the sales guy From. Shamrock he got. Fired did you sign a contract when you buy a metal building from these? Companies oh my, god is it?

CRAZY i signed the contract In may twenty twenty twenty, four.

Okay and.

After THAT i, so.

OKAY i signed the contract which was seventy one thousand dollars, okay AND i put down fourteen thousand.

Dollars.

Okay then THEN i got the blueprint it AND i asked from the, beginning from metal, posts Because colorado is very very the battery is very cruel to. Wood SO i wanted metal. Posts and my friend was the WHEN i was talking to the new, gentleman the owner Of, shamrock and he heard WHEN i, said.

YEAH i get. You what did the contract? Say? Though what did what did the contract?

Say, okay so you see the contracts not specifying, it AND i got the blue rings it said, Wood SO i called it once the. GENTLEMEN i said, no, no, NO i don't want. WOOD i said THAT i want metal.

Posts and what did they? Say that's? Fine can they redesign?

It, yes but it would be twenty thousand dollars. Extra so it's now we are at ninety one thousand.

Dollars but the original hold, on, man hold on the original. Contract when you say it doesn't specify, it, well what the heck does it? Specify does it say like a twenty by thirty car? Port and that's? IT i, mean what does it?

Say and so WHEN i got you see for me it was obvious Because i've specified from the beginning of conversation that it was METAL i. Understand so THAT i got the blueprint and it says wood. Posts but ONCE i called the, COMPANY i, said, no, no, NO i don't want. IT i don't want a boot. Post so they said they're trying to figure out how to replace the metal. Posts and after one year they came. Back they came back In april This, april and they said it would

Big is the how big is the? Building the building.

Would be thirty by thirty?

Two, okay hold, on, man hold, ON i got a picture of. This but so this just happened In. April they come back and say twenty thousand dollars. MORE i understand it's not acceptable to, you but where is it right? Now would they be willing to give you a refund of the fourteen or fifteen thousand down payment or they will hold? On hold, On, Robert are they willing to let you out of the? Contract what are they willing to?

Do?

So they, said because every AND i When i'm looking at what they're saying that they, said the sales, department time order, processing, engineering the building.

The yeah they're, saying, yeah they're saying their cat. SYSTEM i understand they're saying they did fifteen thousand dollars worth of, Work so.

It's seven thousand dollars what they're taking us from the fourteen thousand WHAT i put.

Done, okay hold, on that's a you actually have a hell of a good question in. There i'm not sure you REALIZE i know what it, is but is it worth seven? Thousand and What i'm more curious. About And i'm going to get one of our building experts. On in, fact the guy that built my steel, Building Kelly a'll to get you his, number But i'm going to get him. On AND i need to understand why it would be

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Two all, right three oh three seven one three eight two five five three oh Three, martino you've been ripped off for taking advantage Of we do want to hear from.

You i'm trying to get our still building expert. On in, Fact i'm trying to. Multitasks sometimes that's not the. Easiest i'm trying to send them a text THAT i need them on. Air but this guy's going to know all the answers to the QUESTIONS i. Have so we're going to return to him in a. Minute but in the, MEANTIME i got to tell you About paul The. Waterman paul has his system out, there or a whole house

DAY i understand.

WHY i appreciate everything you do to help everybody around the. Country So i'm here In, Denver and in Late february of this, YEAR i bought the new iPhone On verizon's. Website and the REASON i got it from him was they said it's gonna unlock after sixty, days SO i ordered it and activated it In. March and then it's now it's been sixty days and they want you.

Pay cash for. It when you say they were going to unlock it in sixty, days please explain how the purchase went. Down did you walk in and drop fifteen hundred bucks or what?

Happened, no it's on the, website on their, Website SO i ordered it off their, website paid for the.

Phone how much was this?

Month the phone was three Hundred, well.

A new iPhone is not three hundred.

Dollars, well this is a SIXTEEN.

E So i'm just going you went To verizon's, website, correct, right.

And they said after sixty days it'll. Unlock and so now it's been sixty days and they're, saying, well we changed our policy On april, first and now you have to pay us for more. Service so the Reason i'm mentioning it Is i've never heard of a company, say, well we can change our policy at any. Time and then we can apply it retroactively to.

Somebody, well, okay first of, All i'm a little confused about the entire promotion because every cell phone Promotion i've ever seen where there's a free phone, involved, TECHNICALLY i guess it's, free but you pay the three hundred bucks or whatever you, paid or you pay nothing for that. Matter then what they do is give you a credit and you pay for the phone over a period of, time whether it's one, year two, year three, years four,

And LIKE i, said they said it would unlock after sixty. Days and now what they're saying is they can change their policy and go retroactive on. Somebody that's Why i'm bringing.

It up to.

You, well that's. INSANE i, MEAN i don't even understand. That who says, that?

Right they sent said that to me in an. Email that's what they've, Said and they can retroactively go back on.

Somebody can you send me that? Email yes they, can, yes all, right send it to help H elpk at troubleshooter dot. COM i, Will And i'm still trying to find this promotion is a? Promotion no longer on? THERE i, assume, yes, yes no longer on.

There let me BUT, i LIKE i, Said i've never heard of something like that. Before it's just.

Insane, well it is. INSANE i, Mean i've never heard of that. Either and basically it says right, Here, Yes verizon has a sixty day locking period for newly purchased. Devices it's initially locked to The verizon network for sixty. Days after sixty, days the device will automatically unlock for use with other. Carriers that's. Insane and, yes that's absolutely insane that you would buy. It what day did you buy?

IT i bought It february twenty, first and.

They said they changed it In April.

April, first, Right, well that's.

Just, Crazy. Kelly do we have A Verizon? Angel we used? TO i think we still. Do let's get you have your account information and, everything, Right, yes, Yeah i'm going to email this off to our. ANGEL i Think i'm almost sure we still have one and at least get, that but send me. OVER i want to see that email Because i'll attach it to our. Angel that's. That That can you imagine if you bought something, Now i'm not. Disagreeing there is probably somewhere in that agreement that no

Agree, hey mar you were email you know you wouldn't buy.

It so is that the?

Email hold, ON i want to look at this email WHILE i have you on your. Phone this one is a different, one and hold on one.

Second probably need the original purchase contract or email or whatever you had at that point, too because whatever that says could help and your your your art, Right.

YES i sent you to, emails so you should have.

It, Okay, well first of, all first of, all this is all from Straight. Talk so let's go ahead and explain to me why we're talking About.

Verizon that that's that's A verizon, company that's one of their.

COMPANIES i got.

IT i did not know they purchased Straight. Talk. YEAH i thought Straight, talk honest To god was owned by Like Track phone.

Yeah and they're both owned By, verizon.

And they're both not not on The verizon. Network you're saying they're both owned By. Verizon, yes you're sure?

Positive all?

Right hold, on, MAN i got to read through this. Email hold on just a second and we'll be right.

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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 i have three oh three seven one three eight two five.

News i'm ready for good. News you're one hundred per, sent, right.

Man they appreciate.

It, yeah they OWN i didn't know they bought Straight, talk but, anyhow they definitely owned Straight. Talk and we do have an angel, there And suzanne is going to be working on. THIS i kind of she she popped. In she's usually on the show with, me but she popped in and, SAID i got this one. Handled So kelly's gonna get all your. Information we're going to email. Him AND i don't think one time that we have asked Our verizon people to get something done that they

Doubted all, right, well, well thank you so much for everything you do for.

Everyone, yeah AND i want to call. BACK i want you calling back to the show when this is. Handled, Man, okay, OKAY i will all right hold on all? Right three oh three seven one three eight two five. Five we're gonna have one line open there in a. Second i'm waiting For eric to call in to go back To robert And. Mike you've been waiting for quite a. While, Actually, kevin you're a little. You you called in a little, Quicker, kevin what's going?

On?

Man, hey how you doing, Good? Kevin? Good. HEY i got a question BECAUSE i had.

A guy come up to the house today and he was With Hunt, electric WHICH i assume is a subcrint subcontractor Of.

EXCEL i, mean he Asked, Todd, Terry, todd have you ever heard Of Hunt? ELECTRIC i have.

NOT i, haven't but it. Does it doesn't surprise. Me excel's got a whole list of subcontractors that they.

Use, Yep so go, Ahead.

Okay the guy wanted to put in some kind of delayed meter apparatus on my air, CONDITIONER.

A delayed alatus on your air, Conditioner, todd, yep.

That's that's an energy management unit Of Excel energy during peak hours can can turn off your air conditioner for for short. Moments is?

It is it? Different it must be? Different and a smart, meter because they said they would never do that with the smart. Meter it.

Is it's a little bit different than a smart. Meter it attaches right to the outdoor.

Condenser and what's the benefit to the.

Customer the only benefit to them is maybe thinking about the carbon footprint that you might be saving when they're able to shut that off ter in peak.

Hour so you'd be crazy to do. It they don't give you any incentive like a free a free car or something.

They do mister caller where they offering you a fifty dollars sign on bonus for doing that for rebate yeah, yeah and that dollar.

Credit.

Yeah and we've seen those for now probably twenty five to thirty. Years they, personally they do present some issues as far as the functionality of the air conditioning. Systems we have seen them fail and cause. Issues my recommendation, is if you have a very efficient heating or air conditioning or heat pump unit out, there you really don't need that energy management unit.

IS i don't know why anybody in the world would trade being able to operate your own air conditioner for forty dollars.

Bingo, yeah what did you tell, Them?

Kevin what are your thoughts on?

It why didn't answer the?

Door, yeah, okay that's probably that was probably. Good WELL i talked to him through My vivent.

System, yeah AND i told, HIM i, SAID i hadn't heard anything From Excel. Energy so, basically you, know take a, height.

Let's find out the real. Reason how much do you think to contractor gets paid to install that unit From? Excel do you have any, Idea.

TODD i, don't BUT I i, would JUST i.

Would he's worth five Hundred i'll.

Bet i'll bet you're you're, Right, Mark.

YEP i wonder how they control. It how do they actually tap into.

It they they tell it's a radio signal that they're That they just.

Send frequency over the air that tells whatever area to shut THE ac.

Off that's.

Correct, god that sounds.

Horrible, yeah you're, right rolling, Though i'm a Little i'm a little skeptical about a door to door person like. That i'm gonna have to check into.

That, well they're, slow they're probably slow right, now and they're out hustling to get whatever the bounty is From. Excel you got anything, Else, Kevin.

YEAH i got one other thing, TOO i.

SAID i called. THEM i called Public service many months ago because my gas meter on the outside of my house is tilting, down so it's pulling. Down you, know it should be levels straight.

Across, YEAH i can, picture And i've seen a lot of them do.

That.

Actually, YEAH i called them many months ago and they're, like, well we'll get somebody out.

There is it, Excelled, well.

We'll get somebody out. There, yeah It's Excel.

Energy we got an angel over. There is it still like?

That oh, yeah, Absolutely i'm really good.

Too, LISTEN i Give excel a lot of crap on the, air But i'll tell you this when you get through to their public, relations we've once, again we've had just great. Information so hold, On i'm gonna Have kelly grab your address and your account number and we'll send it off on your. Behalf and, generally what will happen With, excel they're gonna contact you directly within twenty four, hours and they're basically going to tell us we're we're in touch with.

Them, okay you.

Hey make sure you call back and, say, hey it's, handled BECAUSE i that's the only. Way excel is one of the. Companies they always handle, it but they don't really tell. Us but every time it's been, handled we've got to hear it from the. Customer Now i've Got eric, on, Man i'm pressing time, here big. Time, eric do me a. Favor he's way down. Here, Hey, ERIC i have got

At?

YEAH i THINK i got. You hopefully you can hear.

Me, YEAH i can hear, you but let. ME i gotta put you on old BECAUSE i have to take this break right after. This i'll get you right back. On by the, way the Guy i'm talking to Is eric With Great Western Building. Systems he actually erected built our uh fifty BY i think ours is fifty by one. HUNDRED i don't remember what it, is but he did a great, job like over five years. Ago this guy knows everything when it comes to steel. Buildings hold on.

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Pay a cent until you're. Content time for an insurance checkup, free no. Obligation in, comparison Call Compass insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one. Help you'll think you're his only customer when you Choose frank durand the real Estate man dot com to list your home With Remax alliance three all three nine two zero sixteen twenty two.

All, right three oh three seven one three eight two five. Five we have got a, ton AND i mean a ton going on. TODAY i want to pull right back up To eric and Then i'm going to lock him in And i'm going to bring up our. Caller robert called. In he had an issue With Hey. Robert he was called shamrock right out Of Fort. Collins, yeah so here's two questions for you real. Quick we're gonna Put i'm going to get him some help from one of our. DEPUTIES i Think i'm going to Put Deputy dmitri on

Discussed, WELL i, MEAN i suppose it comes down to what the contract. Says but seven, thousand FOR i understand it's a thirty by forty?

Six what is?

It thirty by thirty?

Two actually it's thirty by fourteen.

SIX i checked.

It it's forty, six got it?

Okay and is it is it a? Garage is that garageers or is it just a car?

Point it's a car port and the concrete is not. In it's only the posts and the and the, roof.

The post and the. Roof it's eighty one thousand. Bucks you gave them fifteen. Grand they want to keep half of.

It and it's Seventh hold, on hold, On, Robert, Yeah.

I'm just wondering the plans that they gave. You are they stamp by an engineer and it has shop lit you, know shop drawings and.

EVERYTHING i THINK i think you see that fun Is BUT i the blueprint is coming From Clear Bilding.

Corporation.

Yeah they it looks like they went To cleary for the. Plans, well Sham rocks is A cleary. Dealer oh, okay got. It so what's your what do you what are you thinking? Here what's what's your gut?

Saying, Well, mike my gut says if they if they let the customer assumed that he was buying a steel. Building you know some people Call Pole barnes metal, buildings they're. Not if they let the customer think that and then you, know induce them in the, sale they should give him as whole.

Depositive and the contract itself says What, Robert, WELL i.

Would like to email to you the contract Because i'm looking at the contract and it's not specifying anything about the.

Post how long is the?

Contract so the CONTRACT i got the, CONTRA i signed the.

Contract, no, no?

No how many page is this a? Contract?

One?

Two?

Three?

Eric would you mind eyeball in that and see if you see anything in there that Specifies steeler would for the? Post would you do me that? Solid?

Man?

Yeah, absolutely if you want to email it over to Me, mark you have my, email, right?

Yeah in, fact, yeah, Yeah WELL i think, So, man you're going to give it To kelly WHEN i put you on. Hold we're going to do. That but here's the second. QUESTION i really wanted to, Know, man how much just for the original, blueprints even if it's stamped by an? ENGINEER i, mean is that seven thousand dollars worth of? WORK i mean that doesn't include the engineering for the dirt work or the compression, Test that doesn't include any mechanical electrical, RIGHT.

I would really doubt, It AND i mean thirty forty Six.

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Two ripped, Off.

You don't have to.

Come.

Running just as fast as we can shoot is gonna help?

Come?

Man this is The Troubleshooter show, Now Tom, martinez.

Welcome, welcome my friends to the only show if it's. Gay we're here to solve, problems answer your, questions take. Complaints we're here to make your life a little bit. Better you've been ripped, off taking advantage of or just need some. Advice we are dying to talk to. You three oh three seven one THREE a two five Five Todd, Terry Stephanie, Thomas Frank duran all in studio with. Me, Uh Frank duran real toor? Extraordinaire is it still?

True?

Frank you sell more homes in one month than most realtors selling a. Year you, Know, mark that's just say it like it. IS i know you don't like tooting your own oor.

And, friend by the grace Of, god we do a lot volume out we do.

MORE i have some.

Weeks this is crazy where we'll sell more in a week than some statistically selling a.

Year that's. Insane that is. Insane what's some market like right? Now interstrates are down a, little, yeah, pretty you, know they dropped a.

Little we're seeing more, inventory but you, know homes are still. Moving we're closing three this week where we just put three hundred contract last or. Yesterday so we're getting a, moved but it may take a little longer on some, properties especially the condo.

Market what's going, On Stephanie, thomas you were talking about. Condos you're A Pike's peak. Expert, yeah that whole region up? There can you said condos are tough up? There you had one that's like two hundred. Thousand you're having a tough time selling.

The townhome there is actually mid three hundreds that we've you, know we've had some days on, market but our average days on market for those multifamilies right now actives out of current actives is eighty.

Two how about town, Here so average days on market right Now marc is thirty. Seven that's for all real, estate for detached properties thirty, four and for attached properties condos town on was forty six.

Days god are?

Condos why are they so hard to? Sell right?

Now you know what the problem IS hoa, fees, taxes insurance is getting, tough so then when those hoafees go, up it makes it tougher for buyers or fewer buyers in the market right, now so.

You could Buy let's say you find a condo and commerce city For is there such thing as a two hundred and fifty thousand dollars condo?

Anymore, yeah we just put one under contract for about two forty two.

Four, yeah this Is. Denver but after you pay, INSURANCE hoa property, TAXES i mean you could easily be twenty four thousand a. Year even if you paid cash for the, condo it could be. Tough the key is price them, right getting that sweet. Spot otherwise we see a number of them starting really high and they sit there and

ABSOLUTELY i, mean there's an ult reason unless there's a problem with the.

House, well even if there, was you price it low, enough someone's going to buy the. House, Sure SO i, mean really, something when when is something? Stale when is it like when do you need to pull it off or? Reprice and then doesn't it look weird too if you drop the price for or five? Times So, mark great.

QUESTION i would tell you it's going to depend area to.

Area BUT i would say typically if you've been at their twenty one, days twenty one to thirty, DAYS i think that's the window there where you're getting the, feedback you're seeing the markets not respond to that.

Price that's where you make that.

ADJUSTMENT i don't recommend sitting there sixty, nine one hundred and twenty days before you make the.

Adjustment.

Wow and, then, man what do you do if you guys get a client that wants to sell their house or lists their, house let's just say eight hundred, thousand and you know this thing's only going to sell at six. HUNDRED i, mean do you even take on the listing or you just tell them go? Ahead. Steph, No i've actually there's a waste to.

Tell.

Yeah i've turned down some listings here recently where the homeowner of the seller's idea of value was just Three it was three times what we could realistically get for the. Property And i'm really big on showing people information like, hey this is what we're looking, at this is what's selling around.

You you, know providing people that.

Information and unfortunately some people still are, like, okay WELL i still want to start. Here and at that POINT i just tell people it's Not i'm not going to make you happy and do that service for. You, unfortunately if we are that, high we're not going to, move you, know SO i give people good.

Info we were talking you went on a trip With suzanne AND i, recently, yep and we were. Talking you, said, YEAH i lost this one listing to a what do you call? It a fixed, rate a flat, fee broke, flats flat? Fee AND i was, like, yeah how do you compete with? Those and what was interesting is it made me think back To frank when you sold our house In Castle. Rock you add that can come in with, that a. Matterhorn is that what it's called? Matterhorn well that that's a.

Little more old, school but, yeah same kind of concept.

Now but just like that was like fifteen minutes. Ago so the entire house you could walk, through and Then frank sent it out through social media and all this, stuff and then of COURSE mls Then zilo and what are some of the other ones realtor dot. Com but you guys pay for these, photographers the staging of the, house the cleaning of the, house and THEN i think really just the. Marketing some, people these flat, raiders they basically just go out and listen ON. MLS i, mean

Sense, Yeah, mark we just closed one the other day in a great man by the, WAY i don't know if he's listening. Today his neighbor was on the market for forty one, days hadn't. Moved he priced it at five twenty. Five we leveraged at five nine, nine five. Ten we ended up selling ours for five forty.

One so you sold it for more than the guy that's been sitting.

There and then the appraisal came back. Short we outsold the.

Market we challenged the, appraisal won the challenge and got the appraisal in So i'm not so. Sure it just literally just putting a home ON mls makes. All but you have to be able to negotiate the deal, too.

Well negotiating the, deal but advertising. It you had one hundred thousand people virtually walk through our house over a three day, period and you had twenty or thirty valid Offers monday after The friday you listed it.

Right, YEAH i think timing and really WHAT i always say is the law of scarcity and the lave time. Pressure if you know how to work those, together you'll come out with the most money in your.

Deal with, Pictures, stephanie on, PROPERTIES i, mean do you you don't do them?

Yourself oh gosh, NO i have a really good high end photographer come in and shoot every one of my.

Listings you, Know i've got to yell at both, residential not just you. TWO i HAVE i have looked at homes outside of this state that look like we have this the Taj. Mahal they look like the most beautiful properties you've ever. Seen the kitchen looks brand, new the bathroom looks like it's the size of this, studio the pool table or the billiard's room, downstairs but when you get, there it's like just the worst looking thing you've ever.

Wall.

Yeah So i've had this conversation on listings That i've had that have been in rougher. Shape and the cool thing about the photographer THAT i use is they're really good about showing the home in its best true, light not giving that false miss, representation BECAUSE i think one of the worst things you can actually do.

So piss off the.

Personally, look can you get that shock value from the buyer when they walk in the house and immediately they're, like this isn't WHAT i thought it. Is and at that point you turn, around you, leave you're. Upset you may not go look at the rest of the house that looks, great you, know and checks those. Boxes you're so so, yeah that you. Got you, know you got okie.

Doked you're so upset about, that your brain's not going, well, really that would only cost this Much. Exactly you don't even want to negotiate because you feel like you were. Misled that's what happened at one of the last properties that we looked at and slide ol they're, like, WELL i mean that's Only i'm, like oh my. God AND i pulled up the pictures right there AND i, said show me where that room is in this. HOUSE i don't even think it. Exists and they, said, well it's

Flood isn't the house?

Correctly what are your thoughts on? It Frank Well, Mark What i'll do Is i'll set a realistic. Expectation i'll, say great home with a personal touch and. Cosmetics you can make it into a great. Home BUT i sell that up front what they're dealing, with so they don't have any shock factor why they get, there because there's nothing worse than a buyer getting there and, saying, oh this is worse THAN i.

Thought they should.

Do you want them to be excited when they get.

It i've been happily married for thirty one, plus so this never affected me because there weren't all these dating. Sites But i've talked to people on these sites Like Deputy doc and some other, people and the misrepresentation is. Crazy but then WHEN i lived through it in the form of a, house it's it's pretty upsetting and we flew out there to look at. It, yeah it's not like it was right down the street In aurora or. Something, Hey, mike what is going on with these? Taxes? Hey any

Oh thanks a lot for taking this. Call my son has A irs hold on a twenty three and twenty four, returns, okay and it's all because of a return from twenty twenty three that was you, know he received THE w twos on it for work, done but it was never reported to THE.

Rs so hold.

On THOUGH i, mean, really there's a couple of things. Here does he owe the tax and he didn't pay the? Tax, now my son.

Owed probably nine thousand bucks for twenty. Three they got a hold on the twenty four, Too.

So i'm, Sorry, mike listen hold. On so in twenty twenty, two he was strictly A w two. Employee he worked for a, company and they took taxes out of his, check, right.

Yeah twenty, two twenty, three twenty. Four that's the way he's always.

Been and were the taxes? Correct in other, words come the end of the, YEAR i don't care how much they. Withheld did he owe? Money why did? They why did they withhold money two? Years they must have thought he owed money one? Year, Right, well.

It's because the company is working for us where that didn't report it to THE rs any of the WORK m plus three of the employees they didn't.

Report wait a, minute they didn't report him as an employee of that.

Company, yeah but they took all the money out IN w.

Twos wait a, Second, wait, wait wait a. Second how do you know how do you know they paid anything to the? Irs in other, words how do you know the company didn't simply deduct their share and his share from his paycheck and just keep the. Money or is that what.

HAPPENED i think that's what. Happened we're not.

Sure there's been several letters every time you deal with THE rs any kind of response from, them.

Not heads is one hundred eighty, days one hundred and sixty?

Days does he still work for this? Employer does? Not he does? Not has he contacted them asking them the? Question and is the company even in? Business?

Yes and one of the employees that infected still works there only because his wife got killed in all kinds of, business so you don't have opportunity to switch all?

Right hold, on, man this is this sounds Like donhiley all over. AGAIN i want to hear the name of this, company AND i want to put somebody on. This there is good, news, Though. Mike i'm going to tell you good. News dealing with THE I. R raser is no doubt biggest pain in the. Ass, Ever i'm going to tell you how to get through to an advocate to start helping. Them but there is good news on the other side of the. Tunnel hold, on.

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Pay a cent until you're content time for an insurance check up, free no. Obligation in, comparison Call Compass insurance pain 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 frame 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 three oh three seven one three eight two five y. Five it has been a crazy day. HERE i do want to tell you, though about Fix it twenty four to seven thirty nine. Bucks they'll come. Out they'll clean that air, conditioner that condenser that's been getting dirty all freaking. Winter they're gonna come out. Clean it's spent about an, hour hour and a half cleaning, it getting it ready for the nice hot weather where

Advocate he's got all that stuff and one other, Problem LIKE i.

Say wait a, second what do you mean he's got an? Advocate if he's got an advocates an advocate of.

Stuff, Yes AND i, listen there's one other.

Problem that's why no one can make them move on, This, dirk is because the company owner lives In. Nebraska his company is based out Of, wyoming and he does all the work In. Colorado And i'll tell you it's a three ring circus trying to get anything pinpointed and.

Targeted my.

Stuff is mainly over the twenty THREE w two's coming out with no report to all the, employees and it's holding up the twenty fours also because of you, know Paper James.

MIKE i don't care where he's doing. Business none of that matters to. Me And i'll tell you why you told. Me the problem is with The Internal Revenue service holding on to his. Refunds let's circle. Back is that correct? List he needs a taxpayer, advocate not a contact that he called it the regular one eight HUNDRED irs. Number he needs to apply or he can go if he's In. Colorado is he In? Colorado? Yep he can literally go. DOWN i think it's On. BROADWAY i don't have the

It but what's That they won't work in three straight you can't hire a, lawyer a tax, attorney lawyer that'll work in all three straights and knock these guys.

Around, Now i'm not talking about a tax attorney. Lawyer i'm talking somebody Like Larson. Tax you know WHAT i want to. Do let's get On Steve sizzick hold, on hold, on, Man i'm going to get. On i'm going to get on somebody that's actually a tax Atturn. Ernie, okay and let's see what he asks to. Say that's gonna be the best way to handle. It why this has anything to do with where the company's. BASED I i don't understand.

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Com you don't pay a.

Cent until you're contenth time for an insurance check up, free no. Obligation in, comparison Call compass insurance paying too much your coverage at dozens of insurance companies find out now three oh, three seven 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 all, right three oh three seven one three eighty five to. Five, Hey, mike, Listen i've been texting back and forth with the. Attorney he's going to be coming on, tomorrow so we're gonna get him blocked out for early morning, tomorrow ten am to ten. Thirty but he works for a company That i'm sure they can help your. Kid but we'll ask him all the questions what he would. Do but the one THING i want you to make sure between now and When kelly calls you back in

Number, okay that tax.

Advocate what's the the three and it's calm or? Fad what is?

It it's just get the. WHAT i don't understand what you're asking.

A tax advocate? Number you know you said to go make sure you go in there and what is the tax advocate?

Rs it's over taxpayer advocate DOT irs dot. Go but that's where you start the. Case or you can call to, Confirm, yeah confirm that he's done. That if he's done, that he'll have A they assign you a number which this, guy this, attorney will be able to pull up and get a little information on what's going on with the. Advocate plus we'll get other. Advice so get. That i'm putting you on, Hold. KELLY i want him on first.

Man, Well i've been working on this mathematical problem for. YEARS i finally solved. It and it's called For mah's last. Term if you are m at he's A frenchman for three hundred and fifty years was out there AND i finally solved.

It what is it? Called i'm not familiar with. This this sounds like a prank. Call that last guy got me into a. Mood go. Ahead what is it called?

For mas F E r m at apostrophe s yea From a's last? Theorem, OH i.

See something, here and ACTUALLY i see all. Kinds the statement that there are no natural numbers, one, two, three or act blah blah, blah in which end is a natural number then greater than? Two, okay what's the. Answer i'll be your. Huckleberry what's the? Answer?

Eight, well the reason that they can't solve, it the reason it doesn't get sold just because it requires something that's, impossible and that is that if, you for, example if you start with zero and you add some cube to.

It let's, say, Hey, carl at what point did you wake up and think this show is the format for this mathematical question that you solved after three hundred and fifty. Years i'm Just i'm just. Curious maybe you should have CALLED.

Mit i've tried calling colleges and, universities Including university Of denver in.

Boulders and they think you're a.

Nut, no they just haven't returned my.

Calls they just won't return your. Call, okay so go ahead and give us the quick and simple.

Answer the quick and simple, answer there is no. Answer, well it's.

Slope the answer.

Slope, yeah let me let me tell you WHAT i.

Think that's.

Funny that's exactly WHAT i came up.

With, Listen, tom you have a good.

Day he comes. Up do you think he was? SERIOUS i, mean honest to, guy do you think he's? Serious you know WHAT i do want to ask, You, carl are you? SERIOUS i wonder if he was? Serious we dropped, HIM i do what do you think he hung? Up, yeah well he hung up BECAUSE i hung up on. Him but what do you? Think do you think the guy actually thinks he solved? That what do you? Think, yeah everybody's, speechless, LIKE i have no. Idea he did call it earlier.

TODAY i saw.

That he called, earlier AND i didn't take it Because i'm, like what the hell's?

That, well and then he also asked me for THE Koa news hotline.

Number this guy really thinks he solved. This after you know what it?

Does?

State, here you go down a little bit Of, google and the aioverview says yes fromas last throm has been solved By Andrew wilds in nineteen ninety, four.

And is the answer.

SLOPE i don't know what The i'm not that mathema scientist kind of guy, here but it looks like it was solved forty years.

Ago so this guy was late to the. Game, yeah just a. Bit it's funny HOW i got the same answer in three. Minutes it took him three hundred and fifty. Years let's talk numbers for a. Second you're ready for a. Number everybody out there listening's gonna. Love when's the last time you got quoted on a water? Heater how much do you think a water heater costs now from a home service? Company four? Thousand how much anybody three to ten. THOUSAND i, mean there's different, RANGES i know, that but

Is we got natural gas water heaters forty gallon at seven or sixteen eighty eight total install.

Installed new gas, LINES i assumed the water. Lines, yeah, out new flex, lines new flex, lines the whole bit.

Labor, yep fifty gallon at seventeen eighty.

Eight you're not gonna get a better.

Deal, Yep, yep it's.

No it's a loss. Leader you want to introduce, yourself which there's no problem with that at, all especially if someone needs a water heater.

Exactly we want customers, forever not just this.

Time, yeah these guys have been on the referral list twenty five. Years it's, Uh Apple air with AN e at the, end appleair dot. Com or call him up three oh three seven three three twenty eight one. Three larry's got a problem with identity. Theft we're gonna hit that after. This, kelly did we get that guy's information with THE? IRS i don't think he? What, Yes. OKAY i wanted you to put him on hold so he couldn't hear me. TALK i thought he was one of these.

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 all, right three oh three seven one THREE a two five. Five don't forget you need any help even when we're not, here live on the. Air three oh Three, martino three zero Three. Martino that phone number works. Anytime and, then of, course help h at troubleshooter dot. Com please spread the. Word we love helping. People we've got a

I think we have thirty waters of each. Size, oh we're allotting for.

So you literally have them ready to. Go OH i love that sixteen eighty. Nine if you had a quote on the water heater, recently you will see that is extremely. Cheap installed new, gas flex, lines new water, lines the whole bit. Labor you get the idea And halloway, right And halloway And halloway and then if you need a fifty gallon seventeen eighty. Nine but you guys sell all kinds of. Stuff you've got an instant hot you've got you, know furnaces. AC's but you do a lot of heat,

Efficient Oh, Man Duglass mini splits, boilers.

The duglass is cool because you can retro fit.

Anything, oh it's so, awesome he, says she, said shed.

He, said she, said by the. Seashell that's, It and once again That's Apple air with AN e at the. End dot. Com Hey, larry what's this identity theft?

Man, WELL i uh.

Had somebody that apparently ran up a credit card under my name THAT i, KNEW i didn't know anything. About AND i just had some paperwork that was delivered to my office on my work location office On, monday and it's from a group of attorneys with.

A thing THAT i.

NEED i need to appear in court on the twelfth of this month at two.

Pm, well if it's a true, summons you have to show. Up you're crazy not. To they could end up with the default. Judgment you're just gonna have to show up and plead your case and tell THEM i know nothing about. THIS i, mean did you have a credit card they got stolen or do you think they simply opened one up in your?

NAME i think they opened it up in my name Because i've never had a master card in my life And i've never heard of this.

Company have you gone on since you gotten? Served have you gone on to any of the credit bureaus to see what's going on with your. Credit.

NO i tried doing that last, night BUT i wasn't able to get online to. See but, YEAH i need to get this straight out because my wife AND i are have we were in idea where my landlord's going to sell our house and we're, renting so we're going to try to buy a. House SO i need to get you, know stuff straight.

Down, well you got to show up and see what they have on, you. MAN i, mean the first things are going to be pretty, basic like what's the credit card used with the? Chip that's almost impossible to be. Fraudulent i'm not going to say one hundred, percent but almost never does that. Happen and then if that's the, case where was it? Used if all the chargers are In texas and you're In colorado and or In california or overseas In, JAMAICA i, mean this should be pretty you,

Now, OKAY i can do. That, yeah it's for An Indigo, MasterCard WHICH i and they have a receipts here of things and payments and.

Stuff how long like what's the oldest?

Charge it's all from twenty, nineteen like Around july twenty. Nineteen But i've, never LIKE i, said was there any?

Payments What i'd be, curious was there ever a payment made on?

It?

Like how long was the stretch of? Time was it over two? Months eight?

MONTHS i can look further into, these but it looks, like let's See.

July and here's my, point And i'm trying to just kind of get you ready for. Court but if there was never a payment ever made on, it that would make. Sense if someone was making minimum payments or even all the payments for three or four, months then all of a sudden to not, PAY i mean that could look pretty bad for.

You, yeah it looks like It's june And.

July i'm going to ask you, something, man AND i really want you to think of Something, OKAY i really want you to think of as a. POSSIBILITY i don't know what happened. Here, generally if you had your id stold in twenty, nineteen you would have more than one creditor coming after you at this. Point is it? Possible is it possible that your wife has a credit card that you don't know? About and you don't have to answer that, question BUT i want you to think about.