The Troubleshooter 5-8-24

Yeah, ripped up, need advice? Who you don't have? Come running just as as we can. Shooter is gonna help. Come man, this is the Troubleshooter Show. No Tom Martino, Hello Tom Martino here, Welcome

to the show. Hey. I hope you called three oh three Martino at some time and left your name and number so we can get back to you, or you can call right now live three oh three seven one three talk seven one three eight two five five For those of you stream and you can see Mark Shamanski's here from Genesis. I've known Mark for so many years. Jenesis Total Exteriors dot com. Uh. Genesis by the way, Uh, I always say you do everything on the outside of your house, whether storm

damage or just home improvements. I'm pretty much stucko experts. You have small eating roof. What was that other new product you talked about, You had the lure siding, And what's great about the lure siding, Well, it just costs less than another cement cementitious sighting. But there is no we we talked about this. All siding is going to need something from now on, from from time to time to keep it from getting penetrated with water and moisture

around the seams and the nail holes. But that's I mean, right, don't they all need something? They all need something there. There is there is some seting products out there that are like solid plastic, but there, but they haven't say see, this is what disappoints me. Mark. I loved everlast sighting and then I said, the damn stuff is indestructible. But

there's always a downside to anything. And the downside is it started warping a little, right, Yeah, And what happens, especially with our climate, it gets hot, so if it doesn't breathe, it warps, right, and well again it just gets it's hot. It's not said up specially darker colors. It's not set up with the sun that we get because it's a little more tense here. And you got your surface somises are way hotter than

what they were anticipating. There were so many products over the years that try to beat the weather and and basically Mark, nothing so far has beaten the weather. No. No, this product you have is it allure? Yeah, I mean I'm reading about it. It's a great product and it's and it stands up to James Hardy and the rest of them, right, but all of those still need maintenance. Yeah, the Mark there that I'm a big fan. Mark. Are you there, Yeah, I'm here. Listen,

I got a question for you. He painted your guys painted my house, by the way, best pay job I ever had. I know it was hardy board, but it's something like that. And you just said there's some kind of maintenance I gotta do. Hell, you painted it five years ago. It looks brand new. What about missing? You got to keep that coating up in order to keep moisture out. Now, if it's still great, that's because of Mark's painting job. That doesn't mean we were just

talking asking them in the future. What the hell do I have to do to that stuff? Well, you got to watch your house. You didn't go around your house and look at everyone in a while. And if you start to see the paint starting to fail, the sooner you hop on it, the less it's going to cost, don't. Don't. And if I see that paint starting to fail, I'm calling you brother now, Mark, Mark, you mentioned you mentioned my front door. Okay, and again it's

a my front doors looking I crap. I just had that done not long ago, maybe two years maybe a year and a half. I don't know how often. Now that's raw wood. When I say rawwood, it's all wood. So is there anything you can put on there that you don't have to keep redoing. What we're really dealing with nowadays is we we have this limit of vehicle. I'm Southern, I'm Southern exposure right, Yeah, vaulta organic compounds they're taking out of paint. Yeah, they're taking out of everything.

And so the bad thing is those things are what made the products so good. And they're reformulating and they're reformulating and they're still working on reform land to find good products to stand up for sure, just like pesticides and just like everything else. We just like asbestos, and you know, things that were good at what they did were bad for our health. And so they're trying to find a balance between longevity and health. And I'm happy about that.

I don't want carcinogens all over the world. But here's the other thing. Okay, let's just dispel the notion that anything's maintenance free except okay, hop about stucco. Well, stucco it lasts a very long time. Can you still get microfractures in it? Sure. I have to have you look at my eye. I have little things that happen in my house sealed, and I tell you one of the biggest things is sometimes people redo it because they don't like the color anymore. Okay, but so as far as maintenance

needed, maintenance, everything needs maintenance. Basically final siding, does it need maintenance? Not really, I mean, okay, unless it's starting to warp on you Again, that's because you probably picked a dark color and it's not going to stand up to today's temperatures. What right now of the sidings, what holds up the best? Right now? I tell you stock No, all sidings. Brick brick is the number one right brick? No? Seriously, no, no, I agree. What's what's what's second to break?

I tell you, well, a sighting product that I really like is LP smart Side with a coding that's died another company called Diamond Code, So you do two different products. It's one product, but it's sent off to Dimal Code and they put a coding on it before you install it. Before you install it thirty year no fade guarantee. The product itself is warranted for fifty years. Not to absorb eating water. What yeah, so you you order LP smart side with diamond code. Yes, what is it called the LP

smart side with diamond code? Okay, So brick's number one, stucco's number two probably or smart side number two. Now I think that, you know, I think, well again, a fifty year warranty thirty or no? Get it? And so I mean, but stucco, I mean, stucco can fade two. I mean, that's that's all about the ocase. But but they're still pretty pretty. I think they're okay. And then what comes after that? Regular cementuous siding? Yeah? Or vinyl? And I'm not

talking about prettiness. I'm talking about I mean, vinyl is just not big in Colorado. Vinyl is huge throughout the country. Why isn't it big because of the heat. I think just people don't like to look here. How about vinyl? Cold steel? Or is that what we're talking about? The problem we run into any kind of metal siding? Is the dent so easy with hail. So basically I want to build a brick house, I don't

know, but the stone, but stone you could also do stone. Yeah, I mean you got you know, a beautiful house on the outside was stocked awesome. So and and and let's talk to Chris now, Chris, you want to talk about HVAC. Go ahead, Chris. What's happening man?

Hey? Tom? Just on a side note, I didn't realize the Genesis was going to be on, but the he and Rob fixed our house last fall with hail damage and castle rock and we have a stucco house, and they used an elastomeric paint that really did a great job of covering up some of those micro fractures that you've paint. Is he talking about Mark? You know? Okay, so there's there is a true elastic Merrik paint sher Wayne and Benjamore both make one, very expensive, especially to put it on

prop. Is that what you put on Mars. No, Mark's house is a regular sided house. So that was regular paint for Benjamin Moore. But it was just really good done. Yeah, well done, Yeah, it was. It was a good product. I forget looking at his house. It's a ship lap. What is it? No, it's just regular Yeah, just a lap sighting Yeah, I think it's actually might be like a small Dutch lap. And then he's got stone on the front also, So, so what's happening with your HVAC. Chris, Well, I have a

bit of a question for a tom So. I've been listening to you since the father John days and I, oh, my good. You know, call out, call out, you know people that are price goulenging folks. I particularly remember a case where this Pewick dealership was taking advantage of an elder lady. Oh my god, you remember that. It was Don Massey Cadillac. Yeah, yeah, and Mark, do you remember the little old lady. There was an advertisement in the paper for a Cadillac for I don't know

ten grand I'm making up was sixteen. It was six s exteen. When he sold it to her for like thirty she walked out at thirty two grand. But that wasn't that The problem with that isn't what she paid for it. The problem was they were advertising it for a third or two thirds less. And when I talked to the guy and he said, well we our salesman did a good job that, I went off the deep end on that

one. But she didn't know about the ad the ad price, so they socked it to or plus put every kind of extra you could get on it. They man, I can't believe you remember that Chris, So, anyway, what's going on. Well, so we had to replace an air condition at the house, and I went a little overboard, and I had eight companies come out to give an estimate. Oh that's pretty cool. You would love it, or maybe you would believe the spread. No, I would

believe the spread. Let me guess what size house you have? Sixty five hundred square feet? Is it just the full system? Just wait, Mark, that's what I was gonna ask. I'm sorry. Was it just the AC replaced one of them? Yeah? Just it was one of the two systems, So one of the hvacs. I understand what you're saying, hvacs. You have two systems. I get it. But on the system you were replacing, you were replacing furnace and air. No, just the air,

just the air. Okay, so just the air to cover half of that system would have been about you got You got bids from six thousand to twenty two. Hold on, I want to guess. I got another question though. Was the furnace for that one in the attic or no, well they didn't replace the furnace, but no, it's in a utility run downstairs. Okay, it's in a utility room. It's the main floor he got. I'll say, I think twenty four is high. He had probably six

to fourteen grand. I don't think so. I think thirty five hundred to fifteen grand. Yes, and Mark you win that one. It was about four thousand for a goodman, which I never put a goodman in my house anyway. But and then almost fourteen for a ream. Yeah. But that's one of my questions. And I'm not trying to be controversial here, but I some of those. Hey, you can be controversial all you want. Even with my sponsors. I have some of the best sponsors in the world,

but I don't have a cheap one in the house. I mean, I have ones that are more reasonable than others. But I got to tell you, man, you mentioned a word price gouging. Okay, well, there is price gouging when it's price for the sake of price. It's not price gouging when everyone is doing it, and it's the cost of equipment and insurance and lawsuits and wages and everyone competing with everyone to keep employees. The world has changed, my man. So so Chris, what go ahead with

your discussion. I'll shut up. Go ahead, Well, no, no, no, and may be right. I'm just I want to understand it better. Because I had two of the companies from your list. One was Front Range HVACT the other one was Quality First Plumbing. So Front Range, I'll bet your Quality First was pretty reasonable. No, so from come quote to me, Oh no, let him talk. Yeah, So Front Range for a ring quote to me about seven seventy two hundred dollars everything included.

Quality First came out for the exact same unit, same tonnage, same install, fourteen thousand dollars. I'm just trying to understand. And I even call it and talked to the manager asking what am I missing, and all he would tell me is that we stand by our pricing. I'm just trying to understand it, Like, why should I ever use Quality First Plumbing on your if I can get it per half? Well, I have found times when quality I'm going to be straight with you here, man, I have found

times when Quality First was the lowest price or the middle range price. Now, I mean, I can't talk to your situation, but I will say this. Let me explain this to you, and this I'm going to give you some inside information. Okay, there was a move to consolidate companies with private equity, and they would get companies and buy them up right under a big banner name that's still going on. Okay, so you have a lot of these companies that kept their local name, but they were bought up by

private equity. Why am I telling you this? Well, because prior to that, there were people who wanted to revolutionize the furnace and ac business. So they came out with book pricing and new pricing models, and people like you, Chris, have asked this question, why is it that one company can do this and another company does that? And I'm going to have answer right after this. Go with a sure thing Denver's Best roofer Excel Roofing dot

com. You don't pay a cent until you're content. 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 I'm Tom Martino, your troubleshooter three oh three seven one three talks seven three, eight two, five to five. Okay, so let's talk about pricing with HVAC and air conditioning and

furnaces and also plumbing and electric home services. Let's talk about it. I'm tired of skirting around this issue, and I'm gonna give you inside information that no one will give you. No one they say shop around, shop around, and a lot of times you're defeating it. You're defeating your own Well, you're not defeating It's good to shop around. But here's the bottom line. Okay, this is the God's honest truth. And I don't know why

people are so shocked by it. Take a company xyz. It doesn't matter who they are, if they're doing business the right way, they account for all costs and then they expense it. And I'm going to explain this because it's honest to God, something that no one discusses. I had an electrician one time, and that electrician was charging to go out to a house and

do certain things really low rates. And he was having a discussion back in the day with Andrew Goshern, who was an electrician and Andrew at the time had mister Sparky electric and Andrew says, and Andrew was a genius and I love him, honest good. Andrew had prices that were higher, substantially higher, and they were in my office having a discussion. Dave was the electrician.

He was also doing some of my it stuff, and he said to Andrew, how the hell do you charge all that money to put in an outlet or to go and to put in a circuit, or to do this or to do that, or to hang a ceiling fan. And Andrew says, well, here's what I do. I look at my cost, my insurance, my van, my this, and my dad, and then I price it accordingly. So at the end of the day, I also have part of my wages paid, you know, or for that job. And so at the end of the year, I take all my grocery septs and

all my expenses, and I pretty much have a predictable profit. And what do you do? And Dave said, why you no? And this is the God's under sooth. Dave did not take any of that into account. He would charge take the money, put it in this account, not even put away money for taxes. Sometimes spend the money and then realized he had a tax bill or his materials he put on his credit card, did not account for those, did not pay for those, but took the money then

kept doing that. Dave went out of business, Andrew took mister Sparky, and then he added HVAC, and he added plumbing, and he added other things and started back. Then a really good company called Candlelight and Candle well, it turned into mister Sparky was Candlelight at the time. So then Candlelight sold the Mister Sparky, Mister spark and to excuse me into the home services. Round one was mister Sparky one hour heating and air blah blah blah.

And then George, the guy that owns fixed at twenty four to seven, he was working with Andrew who was his father in law, and then they started they sold that company and then George started doing it around the country, big giant companies did a great job. And then that's how that started. But let me tell you why, because they accounted for costs. Now, the God's honest truth is, if you account for cost you're going to be more expensive than the guy that doesn't. And there will always be people who

don't account for costs, always, and they won't last long. We had a guy advertising on this show years ago that did furnaces, and he was doing him for twelve hundred at the time. Everyone else was charging six and seven grand. He justified that he could buy a furnace at the time for six eight hundred bucks, put it in blah blah. He went out of business, left a lot of people holding the bag why he didn't account for costs, not true costs, and he wasn't making money, and they don't

pay their bills when they're supposed to pay them. Now, if you take a company that's large and they have eighty vans, sixty vans, forty pick a number, those vans are not working one hundred percent of the time, one hundred percent of the week. But those vans all have a cost. They all have people, they all have expenses, they all have licensing so insurance. So when you take the vans and the people and you aggregate a

cost across a company, you have a cost per hour per van. Now, since they're only working maybe eighty five percent of the time, it's impossible to have one hundred percent of the vans working one hundred percent of the time. So if you take an eighty percent factor, you have to factor in twenty percent of the trucks empty, not doing anything at the time, and that cost has to be aggregated to the people doing the work. So when you take the math and you do the math, you will be charging more

to stay afloat than someone else. It's just the way it is. But then why a disparity. Not all companies are shlock when they charge less. Some of them do account for costs, but they have lower costs than others. But then there's another factor I'm going to tell you about. It's called private equity. Private equity is a move among investments. They do private funds, and what they promise their investors is we are going to take your money

and we are going to invest that money in companies. Now, private equity funds are nothing new. You know, you have you have all kinds of investors who want to buy companies and they want to buy them and operate them at a profit. Then they want to spin them off and sell them. The private equity fund is dissolved and they do a new private equity fund. That's the game. They buy up companies, they spin up the sales, sell the pro sell the company, the national company, and then start a

new fund. Warren Buffett loves doing that. He loves building up companies and selling them. Okay, so private equity comes in and they do something new. Their genius has said, you know something, in order to have something that's really going to be worth something, what we need to do is have

a predictable profit. So when these hvac guys go in or home service guys go to seminars to find out how to become part of private equity or how to run their own business, because some of these private equity people actually put on seminars. Here's what they tell you. Start with what you want to make on every dollar you invest. Now that's called a required rate of return,

but everyone has a different one. You have Harry might be satisfied making ten percent on every dollar, whereas George might want to make thirty percent on every dollar. And you have some people that want to make fifty percent. So what they do is they take their required rate of return and they say this is what we want to make on a dollar, and then they work backwards and then talk about it, and then they make book pricing per item.

That book pricing takes into consideration the cost of the product, the time it takes to service or install, the insurance, the wages, the HR costs, the company overhead, the vans, the expenses, and then plus plus profit now that are required. Rate of return is different for every company. That's why you have the disparity. Now, there's two reasons you have disparity. One is the companies on its way out of business. It can't

sustain those prices. The second one is they are they are making less money on their dollar. It's that simple. It's that simple. I'll guarantee you that there are companies that can do siding more expensive than Genesis Total Exteriors because Mark knows what he needs to make. And Mark's been around long enough that I know he knows exactly what he's gonna make. Now, sometimes he hasn't have to cut his prices. If competition he has to get more and more

on the books, he'll cut his profit a little. Sometimes he increases his profit if he's so busy he doesn't know what to do. Is that wrong? Well, a lot of his but a lot of his work is actually paid by insurance, which is for the welge part, and that's ctiated pricing. That's right. So so I'm sure though there are companies that are much cheaper than you. Right, of course you get we call him tailgate contractors right now. But I want to make this clear. Not everyone with lower

prices are going to go out of business. Not everyone with higher prices are greedy. What I'm saying is they all have a required rate of return. There are some low prices that are unsustainable, right, Okay, Now we get a discussion all the time on my water heater guy. Okay, you're a plumbing Colorado dot net. Your All Plumbing does water heaters for thirteen ninety nine. He does. That's for a forty gallon fully insalled fifteen ninety nine

four or No. Fourteen, Yeah, thirteen ninety nine for a forty fourteen ninety nine for a fifty okay. He does cut rate on all plumbing repairs. So I've had discussions with plumbers behind the scenes who say that can't happen. And so I talked to Demotarm and he explained it. He'll explain it to anyone he buys his water heaters. He has a system for putting him in and he makes less money his requirement, his r r R is less than someone else's. It's that easy. Now, what is the downside?

If someone is so cheap they go out of business. Nothing if you don't need them again. But it's really bad if they make a mistake and then they damage your house or something. They're one bad job from going out of business. That is what you have when it comes to life. Or you know. Also people that don't pay their bills. Then if they're so cheap, then they're not able to pay their bills. That's right. And then all of a sudden you get a lean in your house because a shingle delivery

company distributor is coming after you have paid for the shingles. Now, Mark, and you can have leans on your houses right now. Mark, You've been in business. I've been in business. We have businesses together. Aren't you tired of hearing about pricing? I mean there is a disparity when he to price an air conditioner and he goes anywhere from four grand to what did he say? Fourteen? Look? I shop and I shop, and I

shop and I shop. It doesn't matter. I shop our referral list members, I shop other people when it comes to AC's, it's amazing to me. One of the reasons I know that. One of the reasons I was way closer on that stretch that guy was asking for. I think I said thirty five hundred up to whatever fourteen fifteen thousand is. Because recent I've been shopping and I have found units that will come and get installed at my house. I need one, just like that guy was talking about. I'm in

the same circumstance he was. I have a company. They happen to be on the referral list three thousand bucks. They don't even know it's me shopping, So don't think that anybody can call up and get that for three grand. And then I've had ones same unit, same brand, name, same size, same everything up around eight thousand. And the funny part about that is they actually knew it was me, So I don't know if they're trying

to put none on here. Here's the difference here. The difference between those two companies, if truly it was the same stuff is R R R. People have different required rates of return, including attorneys doctors. Yeah, but that does an effect to consumer, Tom. No one cares about that when they're shopping they're not going, oh, okay, well this guy's got to pay off of private equity company, so therefore we're gonna know. No one

thinks that. No, Mark, I didn't say people think it. I want people to understand it because everyone asks why does one company charge four grand and another one charge eight And there's only a few reasons. One would be whether you have private equity or not, you have a required your rate of return, or you're going out of business. You're leaving something out that I think everybody should know as well. There are companies that charge the same amount.

Let's say they're both ten thousand dollars for what we're talking about, identical. They both do the exact same product, exact same price, and let's call them on the extremely high side. One of them will get complaints a lot. The other never gets a complaint about pricing. You know why, because when the job is done and it's over, one company leaves them thinking, Okay, I did really good. I love the people that installed it. I loved everything. Maybe I did spend a little more, but you

know what, I'll use this guy again. The other company can leave a bad taste. I don't know why or why they do it, but then it becomes a non showing it crazy to talk when we go to talk to companies, we talk that all the time, and that's called building a value proposition. People who come in and out of there that doesn't they do the same exact job as someone else. They don't have They don't do a good job showing the consumer what they have done and they know. And I want

to give people a kind of it's not really a silly way. Let's take this break. We got are coming up, give us a call of folks and mark you just continue that vein after this. I just want to tell people call us with any problem, question or complain. But one thing I've said on this show, We're not gonna pussy foot around. We're gonna give you the truth. We're gonna be transparent. You know, it doesn't matter if people advertise or not. It's the truth about life. You're gonna find

out the truth. For god sakes, we have the Internet now. Everyone needs to be transparent. 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 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 Martino here three O three seven one three talks seven one three A two five five. We were having pretty good discussion on pricing home services, uh, private equity, everything in the world to do with your house. But I'm going to tell

you something right now. There is in my opinion, now this is all subjective. There is a such thing as being greedy, and there is such thing as being too cheap to where you're not going to get the service you want. I want something balanced. I really want a good company. And it's not all pricing. You don't always get the best value with the cheapest. You don't always get the best with the most expensive. It's on a

case by case basis, and that's what I do here. I will never endorse anyone that is just high for the sake of being high, or because they think they can get away with it, and I swear to you there

are companies that do that. They it's called pricing tolerance. Now, Mark, what were you going to say before the break, Well, I'll give I want to give an example out of what I was talking about, where two companies can charge the same amount, same product, and let's say they're both on the upper echelon of price, but one of them you never get a complaint about price, and the other one you do. So I'm going

to say the same thing about higher end restaurants. You go out for your anniversary something along those lines, you drop two or three hundred bucks as a couple, maybe let's say Shanahan's Del Frisco's, and maybe like Ruth's Chris. Well, honestly, I like the manager coming around. I like a good waiter. When you're spending that kind of money on a drink and a steak, they better have the best service you could imagine. Last time I was

at Del Friscos years ago, they absolutely sucked. So we'll never go back there. But I will say the food quality is about the same as Shanahan's and in Ruth's Chris, where the manager comes around and it's the same price, same everything. One I can't stand and complain about. In fact, I left a skating review and the other ones I love, but the pricing was the exact same. I get it, and that there's so much more

to it than just what you pay and what you get. But the bottom the bottom line is uh, it's it's going to be a mixture of pricing and a mixture of quality. That's what it's going to be. And I just I want to say something about Shamansky and his business real quick. You know, he's not the cheapest, and he's not the most He's not the most expensive by any stretch whatsoever. When I hired him to do our house, you know, and we paid cash. It wasn't like an insurance claim.

And basically I got him to come out. I met him, I met his painter. I met two or three other companies, and I went with Mark for a couple of reasons. One, I loved this painter. His painter has worked for him for twenty years. Mark also sent out listen to this time. He sent out this lady that worked for what kind of paint was it? Mark Benjamin? And she looked at it. We were

going to go with one color. Suzanne was fixated on one color, which was basically the same color we and she came out and pointed out different things with their outbuildings and said, I would go with this color. Then they showed us what it would look like. They went that extra mile, and honestly they were still they were still right there on pricing. So I mean, he's a perfect example where you can get the great quality and you're going

to enjoy working with the company exactly. Owe me thirty bucks Mark three oh three seven one three talk three h three seven one three eight two five five. I would love people's experience on what they have found with pricing and how they feel about it about hot what they and what they freaking hot tubs twenty five thousand for a hot tub at those shows, or you can go to

Costco and get the same damn thing for five grand, you know. And I think a lot of companies are of the opinion that if they charge more, they will be perceived as better value, you know, or better quality, and that's not so either, although in some cases it happens. The famous case of this gin that was selling cheaper than everyone and it wasn't selling as much they raised their price or was it vodka was years ago? I remember this study in college and they raised the price and boom, go with

a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation in comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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 ripped news yours as we can. Shooter's gonna help coming. This is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven to one three talk three oh three seven one three eight two five five. We've been discussing a lot of things today on pricing and everything else. On some guy brought it up and said, why was there such a disparity in pricing when I went to replace an

AC? And I said, well, you're gonna find it because you have different people with different expenses and some people that don't account for expenses, and you have it everywhere in between. You do. Now, just let me explain something to you. Because something is more expensive doesn't mean someone's greedy. It doesn't mean they're not. It's because someone's cheaper doesn't mean it's sustainable or it's a good deal either. There's got to be a balance there. You

I want someone that takes into account expenses and all of that. Unless you know they're going out of business, you don't care. There's just a whole gamut of pricing, a whole range of pricing, and yeah, there is abuse of pricing. Sometimes they don't stick around long, but then you have the move for there were so many people in the past with home services that did not price properly. They did not they didn't stick around because they weren't

priced adequately. And then of course you want value as well. That many times, value is a word people use to justify high prices, and it's not really value. Sometimes it is. There's no magic formula. One thing for sure. You can't take the price of a good add what you feel is a reasonable profit and expect everyone to charge that. It's not going to happen. Again. I'm going to tell you there are a few reasons for

price disparities. One is greed. A second one is a legitimate business person who is taking into account all expenses and they want to stay in business. So so see there's two right there. Then you have someone who arbitrarily prices who doesn't know anything about being in business, and they just spin out and go away. And many times when people are artificially low, that happens.

Sometimes people are lower because they're small, they're lean their mien, they don't have a lot of requirements on their capital, and they just want to They just wanted to buy themselves a job. So really, again, not everything is good, not everything is evil, not everything is high, not everything is low. I wish there was a magic answer. But Chris was explaining before the break about his price shopping. Go ahead, Chris, oh,

I needed a sewer line replaced. I got Plin to come out and get in after which turned out to be eighteen thousand dollars for a whole job. And the owner was on your show that one day and I called in specifically asking, you know, in describing what the job entailed. Now we didn't go there to look at my job specifically, but you know the basic gist that it was. You know, this is this is our poison. We have overhead that we have to pay for and I completely understand that. Right.

So while I was talking about that, two's told me that Mark said to call Master Ruter and get an estimate from them. So I had Mark, are you Mark? Are you on? Yeah, I'm here. Did they change their name yet? Yeah, they just did the Master Services. But I want to hear with this. I don't know if he's got something good or bad to say. Keep going, dude. Oh, like I said, I want to cookie. He's saved me. All the accident from Master Ruter was ten thousand dollars, so he saved me eight thousand dollars.

Okay, thank you for the experience. And you know, I think Tony's a good example of having lower overhead and passing it on. So Mark, you know, Tony, I think that was I think that was a little bit back. But Tony, you know one of their secret sauce. First of all, a lot of the companies on the referral list, with the exception of Master Router or master services now and I'll answer your question on that

in a second. But a lot of them don't do commercial. Tony's got a group of guys out there that do nothing but excavation, big big jobs that aremmercial, which allows him to get all the equipment. Always have these big jobs with money coming in. Then when it comes to residential stuff, he can take a few of those guys, put him on a quick sewer line for a house and save the people of fortune. He kind of came

up with his own secret sauce in between commercial and residential. And most of the companies we advertise for don't do any commercial tom Oh, you're right, you're right, And so Chris, shopping around is important, But I hope when people shop around it's not a code word for just finding the cheapest price, because people have been burned by that as well, many of them who call this show. But one thing I know for sure, money upfront is

almost always a bad idea. Oh you got that right. We wouldn't have a show if people didn't pay money upfront. Almost always it's a bad idea. You would think it's hard to talk someone into parting with thirty forty grand for nothing, but apparently it's pretty easy, and I have people on my referral list and they will charge money up front. I don't forbid it. I just wouldn't do it. Not for nothing, No money for nothing. In Chicken market, what do you charge what you're doing for? What's that?

Mark? Let's ask Shamansky in studio with Genesis. I know when he painted my house, he didn't charge up front. I know when he did siding work and some deck work and other stuff, he didn't charge up Oh, I doesn't take a penny, right? Oh, I assume if you're doing windows. I mean I don't know. No, no excel roofing I'm talking about. But here's what I'm talking about. I don't mind money upfront under certain circumstances, if you protect yourself. Credit cards would be good.

An escrow account is good. Another or a construction management account on a Giant edition. Another one would be paying for the materials, paying for them and excuse me, and then you call to make sure it was ordered in your name for your address, so if something happens to the contractor, the materials are still going to be delivered to you. And pay it on a credit card. Yeah, that's what I said, credit card was number one. Then I said, if you order stuff and you can verify the order in

your name, your address. The other thing I think is important is if work starts, which includes design work plans, you pay as you go, to pay a large amount of money upfront for nothing. Why and then wait three, four weeks or two months for somebody to show up. No, I'm sorry, nope, ain't gonna happen. Mark, What is your take on this? Let me get us a wide shot here, go ahead, sir. So our policy is we never want to lose a job for because

somebody listens to the show and they don't want to pay depositive. That's a policy with all our people. We do ask. A lot of our jobs are running anywhere from between twenty and one hundred thousand dollars. Oh I know. And again so if we have an architect involved, and then I saw saying, well, we're going to have you pay the architect direct, so we're not involved in that, but at least you're going to pay that direct, and that's good. And it's like, now we're going to start ordering

things. So if we're ordering windows, if we're ordering I totally agree and then so now we have to place that and then those window window lead times right now are twelve weeks. Well, in that twelve weeks, I'm going to have to pay for half of the windows. Do you mind though, if they verify the order was placed for their address, never in their name.

Never mind that, right, because we've had cases mark where people put money down for windows specifically, not anyone we know on the referral list, but they put money down and the company goes away and guess what those windows weren't paid for or they were paid half and it was to the contractor and they won't release it to the consumer. Right yeah, no, And again we work with our customers and sure, and then depending on the dollar amount

is what we want to try to collect too. If it's one hundred thousand, well maybe it's a quarter. A quarter, then you get part way done, in another quarter, you're you're close to being done. You get three quarters and you're finished and get your last quarter payment exactly three h three seven to one three talk seven one three eight two five five. So I again, I always have this struggle with this money upfront thing as to when

it's appropriate or how to do it. There are ways to do it, and I just went through them, and then you should always check companies. Now, does that mean you don't get a brand new company. No, it doesn't if they have experience in the field and have run companies. But too many times new companies are many times people who have worked for someone and they think, hmmm, I can do that, and they know the trade,

but they don't know business. You know. I got a landscaper Tom I use each year he comes out, and I have different from things. Some of them might be they clean out the pond in the front or the water feature. Then I might want rock or bark down somewhere else, a tree planted, whatever. But I've used the same guy forever. And when we first moved in here, my first deal with him was fifteen twenty grand.

He's a little one man deal, and he said, Okay, I need six seven thousand up front to buy the trees and do all this. I said, dude, if you don't have enough money to float that, I simply am not going to use you. So we got past that and since then there's never been an issue. I've never I pay him when he's done. I don't care what he's doing, and I feel that way in most instances. Yeah yeah, or pay well you go to Bob has a comment, But Bob, hold on, I'm going to take you after the

break. I have more coming up. Three zero three seven one three talks seven to one three eight two five five. Go with a sure thing Denver's best rufer excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out

now three oh three, seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talk seven one three eight two five five. Bob has a comment on pricing and business and all

of that. He's with l em Landscaping. Now again, I don't want to tell you that's all we're talking about today, but it did kick off the show and people were interested in it. We're getting a lot of comments and texts I haven't even gotten too five seven, seven three nine. If you want to text the show, just put Tom in the subject line or somewhere in there. So it comes to me. And so let's talk about

it. Bob. What do you have to say? And I'll remind people call me please three oh three Martino three ooh three six two seven eighty four sixty six or three oh three seven to one three talk with any other problem as well, Bob. Go ahead, okay, Tom, So here's what I want to tell you. I really appreciate what you just said about In some cases it's okay. For example, when we did work for you, the materials were paid for, I would pick them up and showed up wh

did the work. Here's what I tell people. I love what you said about the material. We always provide the material costs directly from our supplier because we don't mark it up, so that's save the people money and then they don't have to pay for any material. So the day we're geting the day before we're going to work, so that that protects them on that part. Because I can tell you this, companies out there, they'll get the money

from the material they haven't delivered and they never show up. So not only did they get a deposit for the other part, but they got your money on materials and then they don't show up. So I like the fact the way we do it. We only get a deposit and have to labor and then the rest of it is never paid until we're done. And that means the customer asking me happy. But I will tell you there's a and I

hope you can find this. They've been putting a lot of reports out now where companies are doing work and I'm going to use landscaping, concrete, they're getting the work done, the people come out and say, well, I don't like it. They don't want to pay them, So it can be. It can work both ways. But I always tell people never give money

for the materials up front. And they said, let you pay for let them pay for them, Well, ninety nine percent of the companies won't do that because they don't want to know what you're paying, how much you're paying, and how much that's a profit of it. That's why we do it. And by the way, I don't care either what they're paying and what And I like what you do, Bob, But I will say this. If I order windows from someone and they say, and I say, I

want to make sure the order is in my name, my address. I don't care what they're paying for it. I just care that the order is in my name, my address, and that they did pay for it. I don't care if they paid. If I paid them twenty for the windows and the windows cost him eighteen or fifteen or fourteen, I don't care, as long as the fourteen, eighteen or whatever was paid to the window company and the window company verifies I have an order in my name at my address

and they will be delivered if the contractor gets hit by a bus. No. And I'm kind of saying the same thing, Tom, That's why we on our customers pay for the material when they need it. It's kind of the same thing. It's in their name. They've got to a seat, they call us applier, they know they're getting the product. Because right and Bob, look at it's delicate. There's not one situation for everyone in the

world. But I will tell you this, I am just so tired of people who pay, and even well intentioned people they pay, and those well intentioned people have a problem, and there's nothing thing you can do about it. You know, they have a problem, and then you go to them and say, what the hell did you just do? I mean, I paid you all this money and you go, oh, dude, I can't help. But my wife got sick, my kid got sick, or somebody

needs a transplant. I mean, it's it's just unforeseen circumstances. Thanks Bob. Three oh three seven, one, three eight two five five. My guests today Genesis Total Exteriors, and I want to talk about something else too. I want to talk about this roofing product that has me fascinated, and I'll tell you why. I want to talk about it, Mark, not only because you sell it and you install it, but because it shows that technology can meet the challenges of tomorrow, for example, with air pollution.

I'm not saying that this one thing is the answer, but it does show that we have done a great job as people, as humans on battling whatever negative effects we have on the environment. Now, I think the net is do we have a net benefit or a net deficit when it comes to the environment. Will argue that, but at least that we are moving forward with products that can help this. I love the nickname smog eating roof or is that the official name? What is the name? Mark? Yeah, it's

well, it's a smog eating granules that are on the shingles. Now, these granules are put on the who makes the roof, well, Alice makes the shingle and three M makes the granules. Now the granules go on the roof, right, and the granules interact with the air correct, and so the air about an inch above, they're all over your roof. That air, the air that infiltrates your house, the air that circulates on your roof,

correct, what happens to it? Well, then the granule interacts with that air and turns the bad chemicals the smog itself and turns into nitrogen. And the nitrogen gas, of course, is harmless, and so your house it actually does purify any air infiltration from that also though, when it rains, your roof leeches nitrogen correct, and it goes onto the ground and helps your grass grow, It helps your soils, it helps the environments, helps

the flowers grow. Why did they come up with this? Were they thinking people would look for a I mean, I mean never in a million years would I think, well, next roof I get I want to make sure it purifies the air. Where did they come up with this idea? It's a great marketing idea. Where did they come up with Well, I think it's pretty crazy because you think of three M, you think of post it notes, you know, I mean that's the kind of products you think of

them. Well, actually they have so many problems they do, clear bros. Yeah, yeah, I mean just all these different things that three M makes. And one of the things is they came out with a granules, which we don't have a problem with here, but in other states you do with algae growing on a roof. So they have granules that are now put on two shingles that prevent algae growing on the roof. And then they took a one step further and now say we're not gonna have algae and we're gonna

also make the air better around that. I mean, who thought of that? Somebody is great great marketing, just great marketing. So let's talk about then what then? Then? Then cementuous siding In general, cementuous means literally cement put in with the wood fibers. Yeah. Well, yes, it's it's a mixture of that, and it's not true complete cement of course, not it right, you know, cementuous meaning it resists moisture, it's stronger, it adds rigidity to the composite. Right, yeah, and so I

mean again, great products, and then they stand up. You know, one of the things is the best. Best part of that is the fire rating because Al saying, you know, we've had all these fire fires in Colorado and everything like that. Well, this does slow down. It's not going to burn up your house as quickly as if you have a wood product in the side of your house. Vinyl would just completely melt in your house

and then you're you know, you're left exposed. But at least the cement siding gives you at least a one hour fire rating by putting them on the outside of your house. And now a new a new venture, not a new venture, but you're doing some mitigation of mold. Yes, Now why did you get into that? So, Genesis, I know why you were doing interior improvements. You do interior as well. People don't know that, but mostly exteriors, but you do interior home improvements. And I'll bet you

ran across it and had to call people in. We were paying we were paying my guy five hundred bucks a time to come out and test the air of the house. And so it's two samples inside a house, one sample out. And then I said, you know what, we should probably look into doing this at ourselves. Now, why were you testing to begin with? Well, because they are fearful that they have molded it. Oh,

I don't feel good, you know. Okay, So you want to make sure going into a home improvement, first of all, you're not blamed for anything. And then second of all, if there is a problem, you mitigated, right, and so or you know, or you come into a house and there was a water leak. We're coming in to fix a broken pipe and a wall or whatever, right, so what did you do? You tested? And then when did you start to mitigate? And then well, then as soon as you know the results of that, then you start

tearing things apart. And we've always done that. We don't advertise it a lot. I'm water certified also dry out. I don't you know. I have to rent the equipment. I never got into the twenty four to seven. That's not where I want to go with Genesis. But the mold and this asbestos testing makes sense to us because we go into a house and we have to test for asbestos. I'm not certified asbestos, yes, but a bestis yet but it will be so. Right now, you test for mold.

If you find mold, can you mitigate them? Most yes we can. We are certified to remove that also. Okay, what mold has to be removed and not just killed? I thought you could kill mold. Well, you know what they're what we were taught in class, is you you

know, like black mold. That's the most common mold in Colorado. Guess what, There's four hundred, four hundred species and everyone thinks they're all deadly right, and in most of them are not right Spataphoras something, Yeah, is the really bad one, but you don't know until you get it, test it. But in the meantime you just assume it's bad, and of course and then we clean up again. Well, I mean, no, mold is great to have around. If you can mitigate it, you mitigate

it. But mitigating means for some people. What pisses me off is they scare the hell out of people and basically tell them they got to rebuild their whole house. I mean, down in Texas, they were telling people not only did they have to knock down their house. They had to excavate the dirt for God's sakes. I mean, it gets to a point where it's crazy, right, you know, right now you and I are breathing mold

as we're of course, yeah, well thank you bring that. It's everywhere though, it really is, and there's nothing you can do about it. But you know, water and it has to have something to live on and air. There are the three things that mold needs. You need to eliminate one of them, and water is the easiest one to limit. So when you eliminate and seal, is that good enough for some cases? In some cases sure, and then in other cases you literally have to cut it out.

You have to you have to clean it or you know, or just scrub it off. Yes, do you ever have to cut it out? Like studs or dry I mean drywall makes sense, it's cheap. You're you're not gonna you're not gonna scrub a dry wall. You know, it's much easier is to replace the drywall. But the studs behind that, well that

makes more sense to clean those. Okay, three oh three, seven to one to three, talk anything you want to talk about pricing and we can expand the pricing talk not just for homes and home services and home improvements, but talk about anything. Mechanics, talk about cars, talk about clothing. You notice when people talk pricing, they never talk retail. They always talk services. They don't talk retail because most of the time we see a price and we pay it, or we shop, but we pay it eventually.

Right, So people stand differently on different items. Some things they expect to compare others they don't. And I want to know how you feel about that. Plus, of course, don't sit on problems. How many times have you heard people call them they had a problem for five years, lingering and they finally call me. I mean, I'm not saying it's impossible, but

the sooner the better. On problems, questions, complaints, concerns, especially calling us before you embark on a project three all three seven to one three talks seven one three eight two five five. And speaking of great products, waterpros dot net the best water systems in your home for the best prices. I love my drinking water at the kitchen, saying fourteen hundred bucks only installed third triple filter reverse osmosis, but they also do other great products as well.

To get rid of dangerous things in your water waterpros dot net. 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 check up free, no obligation. In comparison, call Compass Insurance. Paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to

one help. You'll think you're 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 all three seven one three talk three all three seven one three eight two five five. Welcome to the show. Hey Bruce, what's going on with you? Welcome? Hey Tom? How are you doing today? Good man? What's happening?

Hey? I have a longtime listener. You actually helped me with one of your referral list members before the uh that solar marked incident. Thank you, reach, Oh yeah, what's happening now? Oh now is a great story. So on Sunday, I came back from a two week vacation to a leaking water heater. So I'm like, oh, what do I do? So Tom Martino referral list, Well, who does Sunday work ear least? The answer is the phone on Sunday fix it twenty four to seven.

Hence the name problem up. Yeap, I call him up on Sunday, get an appointment. They can't guarantee me at the time on Monday because they're busy, busy, busy. But the tech gets out there, agrees it needs to be replaced, goes, gets the water heater, comes back the same day and replaces my water heater. Good. Now, with the conversation you're having today about cost, right, I think most people to work with fix a twenty four set. But they're not the cheapest. No, they're

not the most expensive. But when you look what the guys did. I mean, he came in, he covered my carpet to make sure he didn't destroy my carpet, were walking in. It was above and beyond, above and beyond. Right, Yeah, all new connections, all new valves, gas connections, a new drip pand I mean the extras were just amazing. So I just want to get my thumbs up. They did a great job. I thought the price was fair. It was higher than what I could

get at a home depot install. But you know, then what do you get from them? But I wanted to let you know right well, Bruce, I appreciate you trusting us, and I I appreciate you trusting them. They're good people. Fix Myhome dot Com of course is their website, and they do quality work and and so so do others as well, of course, so plumb Line Services and and we have good people. You know eight eight eight Heating dot com they added a plumbing division and uh, my guest

today you know, Genesis Total Exteriors. We were talking about new products. We talked about new services. You're doing mold detection and mitigation. Also we have great products that like the small eating roof. And then what else, I mean, what else is new? Like stucco stucco is stucco? Is stucco? Well, I mean, is there anything new? Well? Nothing? I mean again, the way we do it, we don't do any

of this. We don't do ephis No. Ephus is over foam, right over foam, you know, and that's where you get a lot of your birds pecking through because your cement on the outside is only like an eighth of an in thick, and that's it. And behind it alsoly a bird comes up like, oh there's some something I can peck through here and make a make a home. So we don't do any that. All of our stucco is a half inch when we're done, a solid cement in the outside of

your house. So if you have siding, that that's increasse. If you have siding, we're putting chicken wire up and can you go right over siding? Yeah, yeah, And that's the that's one of the best things. You know, a lot of times we do bump us around your windows and just looks amazing when we're done. And again it's solid. And so if you do have ethie, if it's wet, we cut the wet area out and repair that again with solid concrete. And then we go on top of

stuff on the ethis that's not bad and repair all that. And as far as stucco is, the I think I've asked you is the color mixed in, mixed in the final coat. Your first, your scratch coat is not it's regular concrete color, and then you have it mixed in, so when you're done, you don't have to paint that's correct. And so even if you've got a small scratch in your house, it hits the baseball against the house and you know, scratched it up. Yeah, you got you're still

seeing your stucco color. And then how often would you have to repaint stucco normal? You never have to. If you're as long as you're happy with the color, really you're done. You know, you got to be happy with the color. You got to pick a color, of course, that's right. And if then then the worst cases, if you wanted to change color, you change color. Does hail ever penetrate any of that? So again, if you have true stucco, no, if you have ephis,

yes, the ephis, especially like epis. Let's explain to people what ephis is. They used to do that, well, they use They used to do stucco all the time, and then ephis came along, which is a foam product that they trowl a thin layer on top of correct and it looks like a great wall. It looks great. But you can walk up literally with a nail file and chip away right, and you can actually just take your thumb and push on it. You can tell if as ephis are stuck

on now. Sometimes though, even though you have really stucco, isn't ephis used sometimes around windows? Yes, we use it for a pumpouts, Yeah, just for a little trim, right, because otherwise you'd have this big glob of sement to run your window, which would be hard just to even have that whole up. We're talking to Genesis tootalexteriors dot com. But whatever you want to talk about, we're here. Three oh three seven one three talk seven one three eight two five five. Hey, I got some good

news. My friend's over at Premiere window washing, window cleaning and pressure washing. They're starting a brand new service as well, which is commercial window tinting. So whether you want window they can do window tinting in your home too, but they're really specializing in big buildings commercial window tinting. They're giving twenty percent off all services that's pressure washing, pressure window washing, or window cleaning, pressure washing and window tinting. Okay, so let me give you a

website that can get you to all of them. That's twenty percent off if you book today, you don't have to have it done today, okay, And the website is we Clean Windows dot Co. Seven to zero nine five three zero zero seven eight 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 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 d new So you don't have come run in just

as fast as we can shoot. That's gonna help. Come MANX is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here three oh three seven one three talk seven one three eight two five five. Welcome to the show. We are here to help you any way we can with any consumer problem, question or complain or anything to do in life where we can lend a hand. And uh so we're taking phone calls at three oh three Martino. We take those twenty four seven three oh three six two seven eight four six

six. We also take him right here live in the studio as well. Three oh three seven one three talk you can reach us to. You can also reach us through YouTube. You can reach us through Facebook, you can reach us through nextdoor. You can reach us through Insta, Instagram, you can reach us through uh LinkedIn whatever as well. So, uh again, we're taking your phone calls. Mark Shmansky's with me from Genesis Total Exteriors. We usually have a guest on from referralss dot com. Did someone chime in?

Yeah, hey, Tom, if you want to talk about pricing differences. I just was purchasing a new car and a difference between dealers is just amazing. Oh you know what, Yeah, I did say I wanted. We were first talking about pricing when it comes to home services, and then we decided, you know what about other things. Now, cars though in the and of themselves, though they do have MSRPs. So are you finding

what do you mean by a variation among dealers? Are they charging way more than the MSRP or some charging way less, some are charging way less, some are charging MSRP. And again, you know, the one that I that I decided to buy had a seventeen hundred dollars, had two charges one for one thousand and one for seven hundred for things that I didn't want, and I just told them to take it off and they took it off. Wow. And then some dealers, you know, we'll give you a rock

bottom price. So there's a big variation in different dealers in different cars. Yeah, you're right, you're right. And again during COVID, it became popular to where they were putting surcharges on top of MSRPs. Right, did you find a lot of those? No? No, I didn't pland anything that was above MSRP. Okay. Now Cody is working with Deputy bow Is. Deputy bow On, Yes, I'm here Tom, Deputy bow thanks for helping out here. What's the story with Cody. Well, I've been trying

to help Cody and the other hotel, I think it's Candlewood. Tell me what happened. This was the I remember him saying something about this a while ago. He they booked a hotel for I believe it was in March of his for the Colorado Spartans Arena football team, and they booked rooms at the Candlewood. Yeah. Yeah, what he is saying Cody is with one of the hotels and then we talked to the people at the other hotel and basically

the Denver Spartans football teams Colorado Tom Colorado Spartans. I'm sorry, Colorado Spartan football team is not the team itself, not the players, but the ownership seems to be a little kind of shady. I believe he's very shady. It's his name's Tony Thompson. He's the owner of the of the Colorado Spartans and he steffed these two hotels for over twenty six twenty seven thousand dollars. Is he returning any phone calls? No, I've called him like five times.

He did talk to me once because he didn't recognize the number. I've sent various emails. I sent one Monday just asking if he would talk to me off the air or come on there, and just to get his side why he's not paying paying the hotel bill for his team members and he's just ghosting me. There's just no response. I mean, what is he going to say, I'm a crooked piece of crap and I don't pay my bills. I mean, I don't know. I mean, so what the heck? Right now? Where is he staying? Right now? Well, I

believe he's not staying at the Candlewood or the Wood Springs. He's I believe Cody can answer the question. I think he's got another hotel. But they're doing some sort of trade off of spon sponsorship in the arena. Is that true, Cody? Yeah, that's correct. From what I've gathered, they're staying at the Marriott in Fort Collins, and they've got exactly right. It's a sponsorship deal where they're staying for free, which essentially is what they did

at h at the Candle would only without the sponsorship. But also, if I may, I got a little bit more information. A couple of days ago I talked to I called into their mess Their Facebook messenger as a call feature, so I called that and then was able to talk to young ladies. She wouldn't give me her name, and she said she is just responsible for managing the Facebook page. But she told me that essentially, if we haven't got our money from him, don't hold our breath because he does this

to every morning. How the hell own man, I mean, really, I mean, how we should we need to start calling the team head quotes and let them know we know their scumbap space. I think the uh, these fans that paid good money to Tommy Thompson to go see this arena football, that they buy the tickets. I think the fans should call Tommy Thompson on his personal cell number of nine seven zero eight eight zero two five two

seven and just ask them, you know, they buy their tickets. Why isn't this guy completing his obligation to pay for these hotel rooms for his team members. This is just appalling, especially these these are mom and pop hotels. They're not National James. They can't. I don't think they can take a loss like this. I want to feature him on the sleeves Brigade. Do we have any pictures of this guy anywhere? I'm trying to. I'm trying to look for him and I can't find anything. Code you know what,

I believe there is a picture of him on the website. I looked on the website. I can't seem to find it. Where would it be? Do you know? I believe it was just in a team picture. I don't Okay. By the way, the website we're talking about is COO hyphen spartans dot com. Now, did you give out that number that people

here's what they should do. They they shouldn't really be vulgar or anything, but they should say, mister Thompson, we heard about this dilemma, and we think it sucks that you're not paying your bills and you're stiffing local hotels. What's his number? It's one nine seven zero eight zero zero two five two four. That is his personal phone, so they can text it too. It's nine seven zero eight hundred and twenty five two four. Let me

explain something. I don't want people to harass him. I truly want people to give him feedback that it's not cool and this really reflects badly on the team. And then you talk about as a consumer, what you're gonna do about this. Cody's trying to get his money. First, hotel, Cody, you're a good guy, working your ass off for this. Now I'm trying to find man. I can't do you know about us page, by the way, the about us page on this CEO hyphenspartans dot com, they're

all blacked out. It's like we're looking at a bunch of criminals. I mean, what the hell, they're all blacked out. I don't see a picture. If you if you can find one, would you please direct me to it because I'd like to put him on the sleeves brigade and have his picture out there for everyone to see. Yes, also, Tom, if I might. It's not like all the money that Tony brags about getting from

these games. He brags about getting one hundred thousand dollars per home game, but it's not like this money is going to pay his players either, because they're only averaging about twelve thousand dollars a season per player. Oh no, yeah, you're not gonna get rich as a arena football player dollars. No, not at all. So I don't know where he's all this money if he's really getting this hundred thousand dollars per home game. Have you met Tony?

Yes, I've spoken to him many times, and he's actually a very personable man, very team cut. You would never guess that he would treat anyone the way he has by talking to him. He's well, very nice. Even when Bo has talked to him, he admitted that he owes the money, so he's not even denying it, he's just refusing to talk to anyone that he owes money to. Well, I wonder what happened. I mean, I'm wondering what happened is what I'm thinking. He's bringing in the

money. He's bringing in plenty of money from this arena football. Well, yeah, we don't know what's going on behind the scenes. Does he owe you money, Cody, Yes, he does. In our hotel, he owes us only about twenty five hundred dollars. But it's your hotel, the Candlewood, right, the Candlewood Sweeches the one he owes the majority. And no, it's not my hotel. I just worked there. Yeah, he's

he's just pissed off that this guy is crapping on him. Well, and it's also resulted in all of it has resulted ultimately in someone being terminated from the hotel in part because of this. Yeah, it all sucks, man, it's not. It's not a good situation for anyone. And I honestly think that he had they I do got to ask this, Why would someone who works at the hotel get terminated off of him not paying his bill? There was lying in deceit that went on, so it was it wasn't specifically

because of this. This just revealed the deceit. Now I wonder if Zach Thompson, the general manager. I wonder if he's a son. He seems he looks like a nice young man, but he's the general manager. I would almost have to say he's got to be related to him. I tried to reach out to him to Tom. I just think we should get some pictures and put him on this Lees brigade. Well, yes we should, actually we actually should. But what we should do is try to get a

hold of a picture. You guys work on that and get it back to me. We're going to put him on Sleeve's brigade and then tell people all about it. That just it just you know, really sucks that people do this. I mean even if he told us, look, I'm having financial difficulty. We may have to file bankruptcy or something. But just to ghost us when he has hurt these small businesses, it really sucks. Three zero

three seven one three eight two five five. Now, JR. I know you've been trying to get through for the last six days on and off. Please hang on and oh no, did he hang up again? Every time I'm gonna go to him, he hangs up. Y JR. I can't help, bro. I mean, other people called in before you if you call in now, I will take you right after the break, I promise, go with a sure thing Denver's Best roofer Excel Roofing dot com. You

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

one three talk three all three seven one three eight two five five. I have a Mark Schumansku with me Genesis Total Exteriors. Were of course going to take your calls, any and all calls if you have them on what you have them. And we're talking about home improvements in general. So Mark, what I want to know is far as far as uh interior stuff, when do you do most of that? Usually in the winter time. I mean right now, we got a couple of basements going in a couple of bathrooms.

So mainly when the weather turns where Yeah, because keep my crew is busy. Yeah, and that's that's the main reason to do that. I mean, you can shindle your round with good weather, and you can't paint your around with good weather. Outside stucco, we can heat the space. We can do that year around and again if it guess real cold, Jesus don't work those days. Okay. So as far as as far as the exterior stuff goes, siding, windows, roofing, do you do gutters as

well? Yeah? Okay, So what is the biggest challenge you're having, because we're talked to a lot of people who are having material shortages. Do you have any material shorts? I mean, there was a huge shortage of impact resistant shingles last year when these storms hit. Okay, that problem has been solved. In fact, Chris the first caller today, his shingles were supposed to be delivered and then our supplier calls us two days before after they

were supposed to be delivered. We don't have his shingles. I drove, I drove, I rented a U haul and drove down to Colors Springs and picked up fifty squares of shingles to roof his house. And now we got some calls and I did some research on f wave. You know, Okay, it's a good product supposedly, but in some cases they've had batches that lift up and warp and aren't aren't staying down because of a lack of adhesive or something. Have you heard of that? I have not heard of that

one yet. No, Okay. One guy sent us a picture and I was quite surprised. I mean it looked like, you know, the old shakes used to look like rippled up and that's weird for f wave. And all they have done under their warranty is come out and reapply some silicon and then they'd come up again. Then they did some clips where they nailed them in and then they came up. And do you do F wave? No, we don't, okay, but what kind of hell resistant do you do? Because is f wave one of the more popular? Uh? No?

I mean well again, there's all I mean, all shingle manufacturers have some form. I mean earlier this year in the winter, we were talking about the below twenty degree or the twenty degree shingle, right, yeah, and yeah, talk about that what is the benefit of that other than the installation, Probably because you can do it in the wintertime. But that's the only benefit really, right, you know, it's it's a benefit to the roof for more than the homeowners. And it was a good shingle because it has

a B S which is a very flexible material. This Atlas shingle that I'm talking about, well, then that could actually be good for the homeowner as well. Yeah, and the Alash shingle has it in too. I'm a big Atlas fan. Again. You hear the big names. You hear the the eight R, GAF and Certainty, and you know, you hear all those names, and everybody has an impact impact resistance shing Is anyone doing concrete anymore? Oh? Yeah, you got light we concrete style? Sure it

is really popular. But I'll bet you no one's doing shake right, shake gone wood Shake's gone. But there is a product called seed door. It's actually made here. Seed door, seed door, it's made here in Denver. The factors Really, how's that spell that one? The ed? You are c ed? You are right? And what what is it? Would? No, it's not. It's they take an actual wood shake and they use that to make their molds. It's a bostle. It's a plastic shingle.

It's not like the other plastic shingles in the past. This shingle actually is really cool because if you take a torch to it and it starts to melt a little bit, but as soon as you pull the torchway it self extinguishes you do so won't it won't catch on fire. That's good. Like Da Vinci, Da Vinci, you get that product started on fire, the thing is going to go that plastiction now seed door, it's nothing. Would It's just a molded product. Molded product. It looks like ceedar that they

have three colors a brown. Is it resistant to it? It's probably the best product you can put on your roof. Oh really yeah, I mean it's it's the most expensive product you can put on your roof too. So but no, I mean, hail's going to stick up to it. I mean, there's nothing that's going to break this shingle down. Oh really yeah? And it has it would shake shingle. Look you gotta like that.

Look like we're battling with the Home Homeowner Association. Greenwood Village. Customer really wants it, and they just they won't approve it because they don't like the look. Well the house is all there had shake shingles and begin and they're just like, well this product even though it's been around for like ten twelve years, are they thinking it's a wood product? So there's they're just you know, yeah, you know how hias can be. We're just we're not

sure. Now certain deed Certaintyed has one too. They actually what are they they call something? What is this? Is it in a it's not. It's certaintyed cedar impressions. Yeah, and so everyone, I'll bet you so a lot of people are trying to maybe do this, and then of course you have the actual cedar or cedar I get it a plan. It's cool because it's made here in Denver. It really is. And this is the

first I've ever heard of it. Yeah, it's a beautiful roof. Yeah, it's right on, right on I seventy one of those big warehouses. Yeah, it's a it's a cool problem. And how much a square more than a regular roof, let's say three times three times? Yeah? Yeah, yeah, so insurance will never pay for that, but you so you'd have to upfer if you again, if you had a clay tile roof, a lightweight concrete tile roof, or if you had a steel roof, like

a decro roof. Yeah, you're close to paying for this. You are going to pull still money pocket. So is it a third more than maybe, let's say a good uh just a regular shingle, you don't know, I mean a third more than lightweight tile like late. I mean you're you're you're looking around fifteen hundred to square and you know, a regular roofs five hundred to seven hundred depending, okay, and then the concrete is somewhere in between like T twelve. Yeah, okay, so you have good better best?

Yeah? Yeah, I mean yeah, I mean I see door, and what would a hail and a hail resistant does asphalt product? Where's that in the price? You're in a six seven hundred, So about five to six for regular, six to seven for impact resistant, about twelve hundred for uh, the the lightweight tile, and then about fifteen to two or fifteen to eighteen first sed door. Yeah, guys, there's been your pitches and all like that. And if you're in a second story, third story house,

all those things affect the price of your roof. Okay, we got more coming up. Three oh three seven to one to three talks seven one three eight two five five. Don't forget waterpros dot net any water conditioning, water filtration, water purification. They do better, and they do it quicker, better and less money. Better products. Waterpros dot net. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a

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

one three talk seven one three eight two five five. Mike, you have a comment on is am I reading this right? Onda? What's happening? Yeah? Tom, Yeah, Tom. I just came back from Mexico this weekend and on Saturday, and customs their computers were down, so we were stuck in line for over two hours. Hundreds of thousands of people missed their connecting flights. Oh no, I have what this is? I have a

Yeah, I have a passport with my photo on it. I can understand them wanting to hold back maybe foreigners with their passports, but I should have every right of a citizen to provide that passport with my photo and pass through there in a timely fact. You're talking about the port of entry they call it, right, Yeah, when you're coming back into the DIA, Yes, right, when you come from Mexico or a foreign country, that one desk where they look at your stuff and then move you on. Right,

get yes? Correct? And also about these tests, do you notice they don't have any Uh, they don't have any what do you call those chords they put up in theaters or stuff where concert venues. They don't have any organization at all. Have you ever noticed that? Oh? Tom, I did. I just I'm telling you, But they what I'm trying to point out is they don't need a computer system to track me, because if that's

what they're doing, they kept us behind because they are tracking them. No, but they have to scan it. Don't they have to scan it? Why? Why to track me? Why do they need to scan it? You know, I don't know the answer to that. Actually I don't know. Well we you know, if there was a major power power outage for ten fifteen hours, what do they do in that situation? Why do I have to wait two hours? When when I shouldn't have to with a passport, there's my photo, I'm an American, Send me on my way.

I just don't think it's right. No, I see what you're saying. What you Here's what I think they're doing, Mike. And I'm not making excuses, but here's I think passports are flagged for example people they shouldn't be using them, or people who are flagged, and they want to make sure there's no red flags. And why is it our damn border is open? Hello? Well, see, there's so much, there's so much dichotomy and

government. I mean, obviously you're right. I mean people can walk over do anything, and yet you know, if the people are doing it legitimately are hassled. I don't, Mike, I don't have an answer. I wish I had an answer to that, then I'd be king hundreds of people miss their flights, hundreds of people miss their friends' family bake agent, all because of a computer down. I mean, that's just not right. I mean, you shouldn't have to read book, you shouldn't have to book hotels,

you shouldn't have to be inconvenience. If you're an American citizen, you have that passport proving who you are. Period. I now, and I have a passport. I can understand being a foreigner not being able to pass through there, but I should be able to pass through there in a timely bagine. I agree. I agree with you. But again they're looking for red flags, and you're saying, why the hell are they? They're letting people walk in listen. That's that's a discussion for a whole different show.

Three oh three seven one three talk seven one three eight two five five. Okay, So why don't we talk about other things on your mind? If you have a problem, question or complaint, we'd love to try to help you. Now, I have a trivia question. I'm gonna I'm gonna play it with Mark first, Mark Semansky. Mark had to go on a zoom call or other Mark, and so Mark Shamansky, what do you think without looking, is the most popular store card in the country. I mean like

a credit card. Yeah, now, store credit card, not you, I'm going to trust you not to look a store credit card and not not Visa, none of that. I'm talking about a store credit card, like like a target or a cult. What do you think the most popular in the country. I couldn't believe it. They kick ass well. I know

mine's home Depot. Okay. Home Depot is a favorite in in the Northeast for sure right now, might be even because of the number of people, might be very concentrated, but it's the entire New England area except for the state of New York, but New York City and all around New Jersey, all around there. Home Depot's very popular. Home Depot's very popular in Maine as well. Home Depot is very popular in Wyoming, in Idaho and in

Nova. Let's see, what's that state over there, Arizona. But I will tell you that the most popular card in the US is best Buy. Oh, I would I find that shocking because I best. I mean it is impressive. I mean like, I mean impressive all throughout the West and the Midwest and the Southwest. It is kicking ass now lows seems out by the way home depot rules in Florida, home depot rules in Georgia and in Alaska. Isn't that weird? But when it comes to and there's only one

state where the Costco card, I was gonna say Costco. No, No, only one state where the Costco card rules. Where do you think that is? That's stay up there? What is that is? That? Is that Montana? That's Montan? No, No, that's not Montana. Montana? Is there? Montana's home depot which is north of Montana? Come on, north of Montana? I mean north of Wyoming is Montana? This is Wyoming? Oh that is I'm sorry, that's Montia. You're right, I'm

sorry, that's Montana. It borders, that's right. I was looking at the wrong. Okay, So you got Colorado, mont That's that's Wyoming, and that's Montana, and then Idaho's over to the left. Right, So why is it that Costco? Why I'm curious about Costco in Montana only is number one? That's wild? I mean, I know, I mean worthy based on I'm not even sure. This is a survey done of actual usage of these cards over the last twelve months again, I'm surprised. I'm me

and Google provided this information because you know best buy me. I think so many people buy things on online and all different. First of all, I thought that best Buy in general as a store was going down. Now. I don't mean going down like out of business, but kind of like losing favor. Now Amazon, I would like to know Amazon's market share in general. In fact, I will find out when it comes to shopping. I have to be because Amazon is everyone. I mean, you can get everything

everywhere through Amazon, and that was his original vision. Anyway, we got more coming up, and JR. Stop bitching on YouTube and just call back. JR says Tom. I'm on the road. I can't hold. I can't hold. I promise you, JR. No matter who I'm on the phone with, even if it's the President, I will take you if you call in. Okay, so call in about your problem. He wants to talk about a scam. Three oh three seven one three talk seven one three

eight two five five 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 contenth time for an insurance check up free no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with

Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three all three seven one three talks seven one three eight two five five. Yes. So are you surprised at the credit cards? A lot of people. One guy texted me and said he would have thought,

you know what happened to like the targets and stuff like that. But they're they're small potatoes compared to let's face it, these these stores that reflect the biggest credit cards are the biggest stores, the home depots, the best buy, the lows and of course Costco in one's no, no Costco's in two states. I forgot. They're in Montana number one and Hawaii. I just I just saw that Hawaii. Yeah, I can see Hawaii because I mean when you travel, I mean, why is there a Costco right near uh

on seventy near Beaver Creek. I mean people come in from the vacation, they're go right to Costco exactly. Now, somebody said that they want to call me on the table the Tabor refund conversation. This is somebody making a comment on YouTube. Every Colorado taxpayer received their eight hundred refund if they filed a twenty twenty three Colorado individual return. Well, oh, that's right, if you filed. Wait a minute, are you sure? Are you sure,

Steve? Everyone, I know you're listening. Everyone got it? I don't remember O. Wait, he says, the eight hundred dollars per taxpayer appears as a line item credit. Oh, he is saying, it comes off your taxes as a credit. So theoretically you did I get it, bro, I get it. That makes sense. He is saying, you don't wait for a check. It's a line item credit. Now. But however, there is a procedure for those who do not file. Are the ones that pay no taxes, There is a procedure for them as well.

Anyway, it says MAUI has a Costco nearby. That is probably why it's always packed, and why that card is number one? Okay, three? All three, seven to one to three. Talk now some other consumer news that I think is important, really important, but I hesitate to talk about it, but the most expected because it pisses me off, although we're not one of them. Where do you think as far as car insurance goes the most expensive states? You know, people are bitching all over the country.

I got a call from a guy from Jersey, and you all know if you listen to the show Drew, he calls in now and then, and he was really upset about his car insurance going up forty percent. It's going up all over the country. Number one. Now I'm wondering why Florida is number one? Old people, you really think so at the number one expense Florida. Number two is New York is now New York I can see because how densely populated and all of that. A lot of the factors affecting them

is poor credit. Oh, New York has one of the worst poor credits. And also listen to this. Some people in New York are paying eight thousand dollars a year if they have a teenager in the house. Oh yeah, think about that. Now, if you have a bad credit score, you're payin eight grand without a teenager. Your pain eight grand. Now, why would Louisiana be third on this list? Why would Louisiana be third? I would okay, now listen to this. In Louisiana seven thousand, eight

hundred dollars with a teenage driver in the house. And by the way, when we say teenage driver, it means a teenager who has a driver's license. You can exclude them, but you have to specifically, and some states don't allow you to exclude. Nevada is number four again, seventy eight hundred bucks with a teenage driver, just a regular, just regular insurance is five grand, five grand for one car, one car. Michigan is next number

five. I'm wondering where Colorado comes. Where do you think number six? Oh wow? In the top ten. Here's what they're saying in Colorado with a teenage driver. Now this we're saying, teenage driver that hasn't been in an accident five seven hundred dollars a year. That's why I always tell you, man, go to Compass for that insurance check up. They'll find you the best rates. You can call them at three h three nine nine six,

nine thousand. We have more coming up on the Troubleshooter Show. Get your calls in with any problem, question or complaint three ZHO three seven one three talk will take all of your calls and have more enlightening discussions coming up. Go with a sure thing Denver's Best roofer Excelroofing dot com. You don't pay a cent until you're content. Leave time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance

companies. Find out now three 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 RiPP you need advice who you don't have? Come run Incousta as a cam shooter's gonna help. Come man, this is the Troubleshooter Show. Now Tom Martino, Hey Tom Martino, here with Marchimanski from Genesis Total Exteriors

dot com. He's here to help us with any information on the outside of the house roofing as well new products. Come on the four and we'll talk to him. We're also talking to you like John wants to talk about time shares. John, Oh, no, Jr. Sorry Sorry sorry sorry Jr's first, Jars. First, Jar's been bitching on YouTube. You can't get through, So let's talk to Jar first. Then John, I'm going to go right to you, Jarr. What's happening, Tom souh? A scam

that's going on with rooping, and then a question for Genesis. Okay, okay, So the scam is these roopers will go around troll the neighborhoods. They'll get the okay to go up on a roof, and what they'll do is they'll start ripping up shingles, ripping up the underlayment and planting mealworms underneath the oudnder layment and then telling the customer the person that they're termines. Now, wait a minute, how do you know this? Well, I've seen

it on a on a channel fourse. It is the Channel four news news story. Cool, Wait a minute, did Channel four catch people doing it? They actually talked to the two customers that actually got robbed over it. No fooling. Now, good for them who did the story on Channel four. I couldn't tell you. I ran that's a good story. So they actually talked to people who had the same thing happen, and did they track it to one of these worms? Yeah, well it's a millworm. A

millworm is not a termite. There was no I understand that you were fishing, so they that was that was the plant. That was the scam. The company's called Uptown Remodeling LLC. So if you looked up the the story about the termites and Uptown Remodeling LLC, you'll read the story. But the question I have for Genesis because that's a great scam. But what they're doing is, like I said, they're tearing up go ahead, are you there

there? Yeah? Sorry, they're tearing up the roofs. Before they even have a chance to say yes or no to a job, they're tearing up the roofs and planting these millworms. Well wait a minute, wait a minut. They don't get to tear it wait hold on, yeah, that doesn't sound right. Wait wait wait, they don't get to tear up the roof until they have a signed contract. The story I read, it's about Uptown

Remodeling's l Elsie. Uptown Remodeling LLC. Okay, but no one gets okay, all right, So It just doesn't make sense to me that you don't get to tear up a roof and then tell someone they have termite. They must have had some kind of contract with them first. Well, if somebody could find the story or find it on channel I'm looking for the story,

man, I really am. I mean, I guess he's saying that they went up to do an inspection and then somebody's snaking up there and lifting up some shingles and you'd have to cut through the underlayment underneath the shingles and throw some of these meal worms in there. I mean, And I guess if you have a roof, that's hard to see people on the ground that somebody's

not. But what I'm saying is they don't get to be on there, and well they're thinking of the story that I read, they actually are damaging the roof, they're you know, I guess if they're they're door knocking and then the person. Yeah, but they have to get permission to go up there first. Yeah, how long ago was this story on Channel four? This was the story. The story on Channel four was on the sixth of this month. Oh okay, so you actually have the date. That's good.

Anyway, Anyway, the question for Genesis is termites. Do they start from the ground up or would they be found in the roofs. Termites live in the ground, and they do. They do come from the ground up, and we do have termise in Colorado, but it's very rare, and so finding them in the roof would kind of be Typically they're going to take out all your lower walls out first, you know, all your studs,

you know between the you know, the ground and met there. I'm sure there's some listeners on here that probably added dealings with these guys, But find the story. That's a great You know that their website sucks nowadays because they're on with all the other CBS and then you go to Colorado. It is so hard to search their site. I swear to god. I mean, it's just so I'm trying to find it, but I can't find I put in the name of that contractor and can't find it. Uptown Remodeling LLC.

Tom, What is the best scam that you've evert? What you mean, on roofing, on anything? Oh my god, there have been so many, my gosh, I mean, you catch me off base here, but there have been so many creative scams. If you gave me a minute, man, I could probably come up with a dozen. But there are just so many of them. You know. One we just came up with the other day. Okay, And this is something every car dealer. It's not a scam, but it's like little things that come up every day. Like

there is the dealers always set always sell gap insurance. And you don't know how many people buy gap insurance not realizing that it won't cover them. They think because they have a big loan and their car went down in value, gap insurance is supposed to cover them, and it's not. It's not made for stupid insurance, meaning I we've had We had a case the other day where a woman had a lemon, she traded it. She owed, she owed sixteen thousand dollars more than it was worth. The dealer said, i'll

tell you what, We'll pay off half of that. She had to take negative equity of eight thousand and put it into her new Hyundai. So she bought a new Hyundai and immediately started out with a loan that was eight thousand dollars more than it should have been. Then she got into a total accident a year or two later, the car was worth way less than the loan. They would go one hundred and twenty five percent of value of the car. However, that left her with that original eight grand still on the loan,

and she was pissed that her GAP insurance wouldn't pay for it. And I said, GAP insurance will not pay for negative equity. Gap insurance will not pay for you paying above MSRP. Gap insurance will not pay for anything you did that was stupid. It will not pay for extras. It will not pay for mop and glow. It will not pay for credit life and

insurance. It will not pay for any add ons. So when you get into an accident, whatever the value of your car is on that day before the accident, you will get at the most one hundred and twenty five percent of it. You will not get what's owed, but they sell it like this. Well, mister Martino, you know GAP insurance can protect you if you're in an accident. It'll pay off your loan. It does not pay

off your loan, JR. But thanks for bringing up. But there are so many, so many scams, I can't even begin to count, but I'm going to come up. You know, what I will j R. You gave me a great idea. I'm even taking a note on it. I'm going to come up with the top ten scams of all times. Since I've been doing the show for nearly fifty years. I have to go through the anals of my memory, and they're pretty anal, and I'll find out. I'll find one. Okay, John, you have a time share question.

In fact, I think I just posted something on timeshare on YouTube and on my video, also on LinkedIn and even TikTok. I tried see if I get banned again. Anyway, what is your question on time shares? I talked to you a couple months ago and I told you I was going to not pay my news for this year twenty twenty four, and was this Did you talk to me? And did I say you were judgment proof? Was that the conversation or was it another one? I think so, And

I just wanted to follow up on that. Yeah, I think if you're the one I'm thinking about. And I'm not sure because I'm looking for the call, but there was one where you were pissed off and you wanted to get out of it, and you're old enough and and didn't think that there was anything they could get from you. Correct, that's the way done. They've turned me over to debt collector. Now good, and I'm just wondering if well, let's go do to well, let's talk about it. And

again, I'm not going to give you legal advice here. I don't want to get in trouble, but I want to I want to make sure you're protected. So let's how old are you, John? I'm eighty Okay, now I remember see I do remember you. Okay, So you're eighty and you have only government benefits? Is that right? What's that mean? Okay? Your income is based on what? Oh I have investments, I have

property, rental property, I have of course social security. Oh wait wait wait so you have a lot of assets, right, yeah, yeah, okay, Okay. What I remember is this. Most timeshare companies, they if they sue you for the balance, normally what they do they won't take the time share because they don't want it, but they do try to attach income. I've not heard of them suing you and putting lean on your assets, but that could be a possibility. It depends on how aggressive they want

to get. How much is your maintenance every year. It's about twelve hundred. This year was yours, the one that did every other year? Is that what you had? That's correct, it was Lauren Twell's now taken over by Maria. It's in every other year timeshare. Is it for a week? Yeah? Yes, for a week. Yeah, and the one week is every other year. And how much was it costing you every year? About twelve hundred? Can you believe that? For he goes one week every

other year and he's paying twelve hundred a year. That's twenty four hundred. Twenty four hundred for one week. It's only twelve hundred every other year. Oh, I'm sorry, Okay, it's still so you're paying twelve hundred for a week. Yeah. And that's and you're still exposed to any future you know any Now did they charge you six hundred a year or twelve hundred every two just twelve hundred every other year? Okay? Now, what I would do is let them know you have no plans. You're eighty years old and

you have no plans on paying. Just tell him you're eighty years old and broke, and you will sign it back over to them. I've told them that twice and letters. I can't talk to anybody, you know, they don't ever let you talk with anyone. So I just send them letters. And so I'm not paying How long? How long? What collection agency did they send you to? Oh, I'm sorry, I don't have that with me. I'm in my care. Would you send me the information because it

might be a sham collection agency too. Let's put it this way, John, I have never heard of them being aggressive coming after people. Okay, they will do a judgment. They will try to get some easy money, like a wage garnishment, but I'm not And you don't have any wages to speak of, do you? No? I don't work any longer obviously. Yeah. But what I'm saying is any income you do have. I think

I have this in my notes. It's it's social security, right, Well, that and I have a pension from a municipality that I work for, right. I don't believe they can attach that. I don't believe they can attach that rental properties. So you know, if I were you, first of all, if it gets more serious, we're gonna have to talk about it. But at this point, if it was me, I mean I wouldn't I wouldn't keep paying it if I'm eighty. Do you have a wife? Oh? Yeah, because you don't want to strap her either. Now

is she on the timeshare? Yes, she is. Maybe what we ought to do is talk to a collection attorney. That I want to be safe here and let's talk to a collection attorney. I also want to talk to my friend who's in the on the side. He does timeshare exit and I want to ask him if he's ever heard of In fact, you know what we should do, Kitchena. I know what we're gonna do. Let's get the Finn Law Group on tomorrow for John. That's who we need to get

on. The finn Law Group is one of the best time share exit companies. Now, when I say exit, don't think of Timeshare Exit Team. Those guys were crooks and they're out of business. I don't like them. I'm talking about the category of business. He is a law firm, the Finlaw Group, and they do a great job. So Kachina, can you mark this for tomorrow? Yep. Let's get him back on with the Finlaw

Group and then we'll ask him questions about that specifically. Three O three, thank you very much, three O three seven to one three eight two five five. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance Paying too much your coverage at dozens of insurance companies find out now three oh three seven 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, Welcome to the show. Three zero three seven one three talk seven one three eight two five five. So we have been talking about UH a lot of stuff today, and I want to ask Mark about dealing with insurance since he does a lot of

that. You know, one of the things we talk about is the ease of dealing with one person, one source for all of your storm damage. And he's been able to do that, and of course he'll work with if you've got a really complicated claim, he'll work with your public adjuster or whatever. But do you find any particular UH companies trying to cheap out? Because we get this complaint all the time, do you find and by the way, people will take your calls three oh three seven to one three talks seven

one three eight two five five about cheapen out. So you deal with them a lot. So tell me what you're finding. Well, you know, I actually find this last this last year was interesting because I thought all of them in general, in the beginning of the year were being very fair. Oh okay, I mean it was like wow, I mean and so it's like, you know, you're going to file a small supplement because well it's not worth it because they've already treated us pretty fair, so there's no reason

too. So let's just get this claim done and get out of the customer's hair. So they really haven't been arguing with you a lot. But now that was that was the beginning of the last year. Okay, So what's going on now? So now, no, we're running into them, actually dragging their feet is the biggest thing we're going through. Right, adjust and then they switch adjust the adjuster changes. You got the inside adjuster outside at changes. Oh, that person's not doing this way more. You have to

talk to this person and you're starting all over again. I mean, we had three of them that we're just crazy, that that we're just now getting settled and finalized and that. So it's almost been a year and it's just trying to get through the insurance process of the company themselves. All right, So is there any petition thing? They don't like covering I heard they don't

like covering windows. Well, windows are tough. I mean they like to say, hey, that's just a bad window or normal wear and terror is that do they give you a little harder time on a window? And again you got wood windows, which also now they got dinged up and they're like, well you just got to repaint it. Well, the look of the windows completely changed, especially if they are pretty big hailstones that hit it. And so g does a customer deserve a new window? And that's a very

tough battle. Now another thing again, we bring this up a lot. This is really important. In order to get the bid, they might show a low bid and then they come in and do auxiliary claims. Now, I it's a mixed bag because homeowners aren't popped for supplemental claims because they pay their deductible ons. Isn't that correct? Correct? Okay, but it's still wrong. And yet I don't know what to do about it. Should we

go after the company if the homeowner isn't being hurt directly? Okay, kind of it's cheating going on, but the homeowner pays the deductible and if their adjuster isn't smart enough to come out and see that, they're padding the investment or the loss. Because Mark, you went out on a job where they were charging all kinds of outrageous amounts for supplements and they weren't doing them right.

Okay, well again I don't think but the consumer's not hurt technically, Well, no, they are kind of if they were supposed to get that stuff done right exactly. Again, there's a fine line is sometimes you ask for things and if you got it paid well, then okay, somebody made a little more money. Or you do add something to the customer to give them more benefit for that because they paid for something maybe they weren't supposed to.

Yeah, I mean, there's different ways to look at it. You know, so many times insurance companies are on the other end though they're not treating us fairly at all. And gee, every once a while you get a good win. No, I I know what you mean. Now a supplemental claim normally, and for people listening what a supplemental claim is. You know, you say you're gonna give me an it, Well, why don't you give me an example of something that would come up. Well, here,

here's a good thing you don't see initially. And you know, we just finally finalized this one. But here's a customer, uh, North Colora Springs. His house got hit. Yeah, and they covered a couple of windows, you know, got a new roof and that that was about it. And like I walked the house, like every single window in his house had damage. They didn't believe me, so they sent another adjustmer and I showed to them all like, okay, yeah, we see they're all damaged.

But you didn't see that at first. Oh they didn't see that. Oh okay, you weren't called in at first. No, well no we were, but you pointed out. And then they didn't write it up that way. Okay, they wrote up with three windows and he has fifteen in his house. So we filed a claim, a supplemental supplement claim, and then they send out the insurance coming go oh these are damaged. Sure, And then they then they fought me on my price. They're like, your

price is outrageous. Here's what's funny. So they send out another company, their own company higher. Their price came back higher than mine. So they went with you. Yeah, my customer went with me. Yes, Now what about this? What about your looking at a roof and then you need decking, that's a supplemental. Yeah, as long as you have code upgrade. And so realize if you don't have code upgrade there that they're not going to pay for no. No, because what if it was damage you didn't

see well again if it was damage. But a lot of times, you know, if you need decking, it's because it's just wear and tear. Okay, because decking going if it's spongy, that's a code update. Yeah, because all saying, well, this is a good decking that has to be replaced, it's not because of the storm. So code update is isn't that in excuse me? Code upgrades? Aren't they in most policies nowadays? Well? Yeah, I mean I think Compass does a good job of making

sure they're in there, and then you should have it. If you don't, please get that at it. Yeah, I'm saving one thousand dollars a year or two thousand dollars a year. When you go to this claim, then I'll say I'm coming out with a pocket much more money to pay for my roof to get done or other damage in my home. And one other thing about soft decking, it's all due to ventilation. You got to have proper ventilation in your attic space. You know, I know we've talked about

this before. Ventilation in the attic can ruin a bad ventilation can ruin the roof from the inside out. Yes, yeah. In fact, our first mold job we're getting ready to do on Monday is bad ventilation in attic space. Now what do you find? This is what I find with ventilation in the attic. This is what I find is that they don't have enough ventilation, most enough vents. Most of the time. It's a soft events.

You don't have enough of you need, you need your intake. So some people make the mistake they have turtles up on their roof and oh, let me add a wirlybird up there, but it still is not sucking anything in. That's the problem, right, you need it. Or if you should never have two types of ventilation, you shouldn't have a ridge. They can They can't stanly just they circle around themselves. Oh my, see, so

it's a science. What you want to do is you want to create a convective current that comes from the lower part of the roof out the top. By creating these convective currents, you keep it cool and you keep it warm depending on what you want. You want to do. You keep it level, you want it you want that that temperature be as close to outside temperature in your attic space as possible. Okay, and why now people don't People don't think that's a good thing. They think, wait a minute, why

do I want that? You want your insulation that keeps your house warm and cool, and you don't want your attic keeping it warm. Right, You want the attic space to be the same temperature as exterior temperature. Have you found have you found that? Attic fans? Now, I'm not talking people about whole house fans. There's a difference. A whole house fan does not interact with the attic most of the time. I mean it kind of does, but it takes all of the air out of the house through the attic

through the outside. But as far as the attic fan. Yeah, so a power addict fan vent isn't that a good idea? You can you still have to have enough, you still can't have it. Yeah, So the big thing is having enough in your in your sofa right's and then don't have insulation over your soft events either. That's important. Also. You know, oh, I'm gonna put another foot of insulation in my space and they blow it everywhere. Oh, there's not much over there in the corners. That's

where you don't want it. You know, that's outside. I never even thought of that. You need to make sure those stay uncovered so the air can flow up. See, this is very useful stuff, because I'll venture to say, I'll go this far of the houses have improper ventilation, which is more higher higher higher higher. Yeah, and it's funny because then you you like to put it nowadays. You know you used to use tar paper.

Now we use a synthetic that makes your roofie more error tight. I get it, man, And so you need to make sure you're proper mental. That alone can save you a ton of money. Yeah. Three O three seven one three A 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 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 oh three nine two zero sixteen twenty two. I've got a question here for Genesis. Tom. Welcome to the show. What's going

on me? Yes, I was just wondering. Quick question is how many times can you replace asphalt shingle roofing before you need to start put on the new decking? Oh you mean where you can go over the top. Well, yeah, I mean how many times, because a lot of times they'll just rip off the old root, put the new roof on, and then you do that. He's asked, mose plywoods wore out. Okay, we we have two questions, and that's good. Let's let's go with the first

one. Uh, how how long does the decking last? That's a good question. I mean, well, again, as long as it's water tight and you're not getting anything to it. It's gonna last forever, you know. Okay, now he's gonna bring to the point, how how many times can I put a layer of shingles on, you know, tear it off, put another one on, tear it off, put another one on, because the nails do it. Also you shred it that and you know that that one, I think is a case by case basis. You got to

look at it. And I don't think there's a magic number that I know of. But at some point it would become riddled, but that would take a long time, I think a lot, you know. And again, plywood is such a cool product. I mean, it's glued up in different strand variations. You know, when one layer is going one way, one layer's going the other, and it's it's a very durable product. Now the question here is as far as layers. For my question, because he brought

this up, and I just wondered. You hear people putting a layer over the old layer? Is that acceptable? Some cities and counties allow it,

most do not. Oh really, Now you have to tear off teared off, and you have to because they used to let you go over right, And but Now it's even teared off, and you have to even have your underlayment that's on there torn off too, So you know, I mean we one of my my roofers because in Colorado Springs used to be allowed you could leave your underlayment, put another underlayment on top, put on your shingles,

so you really have a double layer of underlayment. Colora Springs changed their mind I don't know three or four years ago, and we had one that got changed after we did the roof and we had the inspection, we got caught and we had to have the customer write a letter said I'm okay with two layers of under layment. There's nothing wrong with my roof underneath it, okay. Another question that I got on text here, is it true that with a tile roof, the tile is not your roof? That is correct?

That is so that is so weird for me. The tile is not the roof, it's the decorative outside. Yes, the number one repair we make on a leaky roof is because they have a tile roof with tar paper underneath it that's just wore out. And nowadays, you know, it's ideal if you're gonna have a tile roof. I would use high temp ice and water underneath your whole roof because then you're never gonna have a So technically, now, with a tile roof, you have strips of wood that hold the tile,

right, baton strips, yes, baton strips are called. And then under the baton strips you have the underlayman underlayment. So if you took the theoretically the roof off that the decorative part, you have a roof. Yeah, you have, but the sun would kill the underlayman. Correct, So it is protecting it from the sun, correct, but not from the elements correct and properly put down. The water does get behind the tile and flows

down. It does it's supposed to. I mean, well, ideally it still hits the tile and most of it vty PC is running off on top

of your tile, right, I understand. But if it gets underneath, let's get in the because it's just does it get trapped where the batons are or your no that well you could get a little bit there of but not much okay, So but yeah, I mean ideally you want to just to run around that and and then it's going to hit your underlayment and then it's just going to run into your gutter system, hits your drip edge and it's

in the gutter. Okay. And with stucco, you definitely, because you're a stucco expert as well, you don't want anything going behind that stucco. Never. That's why flashing is so important. And then coming down to ground level is not good. No, you want it. You want it between stucco and dirt. You want six inches between that and concrete at least one or two inches. So you definitely want an edge that is free from dirt, right and moisture. Right? Do they have end caps you put on?

Yeah? At the bottom we use a piece of z flashing and that keeps it even better. Right, it's from absorbie, yeah, because concrete absorbs moisture, you know it does. I mean it's it's porous, okay, what water does go into it? And it's obviously it's a hard, poor substance. But yes, yeah, it's porous okay. And so man, these are all interesting things. We don't get into a lot three O three seven one three eight two five five. Go with a sure thing Denver's

Best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven 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 O three seven one three talk three three three seven one three eight two five five. So where if you can get a call in fine, we got Mark Schamanski here with Genesis Tootalexteriors dot Com. Otherwise we're gonna we're gonna wrap it up with him and I am on my text. I'm looking for the latest text you you'll bear with me. One has to do with you, said the roof venting itself. Now, one guy was told

that ridge vents are better than turtles. You're calling turtles those ten things that pop up? And do you have a preference on which is better? Now? I agree with you. If you have both, you could end up canceling out the airflow. Correct you you don't want both. Uh. I personally like ridge vent the better because it's all the whole length of the house, the whole length of house. I think it looks better. It's so it's more outward. I mean each turtle vent is roughly a one square foot

of airspace. Now, somebody said, what about you have the uh they sow it's if you don't insulate them at all, is it better? Or you insulate them and just keep like I don't think you would have to insulate them really if you insulate the fatic right right? If you know, if you have you know, most softas are at least a foot wide. There are houses that have no softs, then you have to look at other options. But if you at least have a foot wide, and then the best

one is. And for those that wondering what a soft it is, it's the bottom of the eve they call it. It's like the floor of the eve, okay, right where your gutters are, yeah yeah, yeah, your gutters are along your soft and so and they're along the facia right on the end of the soft right right, correct, And so then the best one is to have one that goes a whole length of your soft and it's just it has vent holes that are just a couple inches you crossed, and

it goes all the whole length of that. That's the best way to do it, you mean the venting part. Yeah. Or you can put in little boxes or a little hockey pucks. They you know, you can just go in with a little whole saw and just put a hockey puck vent in. And by the way, there have been some houses we're built and listen to this. Builders have literally in some cases we have found in the past

put exterior grills up. Just tack them on there. Oh and not cut out, yeah, yeah, because you can do most is from the sofa. You basically cut the hole and then you have to do something to shove the insulation away so you have airflow. Yeah, So it's better to have. Though, the more venting the better. Really, if you think about it, there's no need to keep that attic comfortable. No, no,

not at all. And anything that can move the air can benefit you and not only extend the life, but it makes it extend the life of the decking, but also of the tilet I mean of the if they get overheated. You can root asphalt too, right, You could but mainly you're talking about the decking. Yeah, and again it's condensation that could happen into your attic space. Consequently, if you don't have adequate you could end up with

something growing up in your attic space. By the way, we were talking about credit cards, somebody mentioned that Costco has with some of the best rewards for four percent on Costco cards. I don't know, do you use Costco? Yes, we use it a lot. Okay, anyway, four percent on a Costco. I didn't realize that that's one of them. And then someone else said, well, it's I don't have time to get that done.

But anyway, I want to thank Mark for being here. Remember he's the one stop shop when it comes to all of your storm damage if that's what you want. They also do home improvements as well, and I've known him for many many years. Genesis Totalexteriors dot Com three oh three six seven nine eight five zero nine. Remember save all your problems for me.