The Troubleshooter 6-13-24

Yeah, ripped news. You need it by so you don't have come running. Just as fast as we can. Shooter's gonna help coming. Man Dix is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three talk three oh three seven one three eight two five five Today I have We're gonna talk a little bit about counting, bookkeeping and all of that stuff that has to do with

taxes, tax planning. Now most of the deadlines are up. We have one more deadline coming, but the real deal is just being prepared for next year and what changes there are. So if you're running a business or even your personal taxes, we want to help you. Plus will help you with anything in the world. All you have to do is call us. That's what this show is about. Help, Help, help, help, That's what it's about. So you got a problem, you call us when it's

just starting, and we'd love to get involved early to help you. Recovering hundreds of millions, literally hundreds of millions of dollars over the years in cash, merchandise, exchanges, refunds, and services. Leon wants to talk about a friend, Hector. Let's talk about it? Uh Leon? What's going on? Leon? Oh? Okay? Uh? Leon had to go back to work. But this is Dorene. Are you the one he's calling about, Doren? Yes, we're going for Hector. Oh, you're calling for

Hector. Okay, So what's going on Doren? Okay? The problem is is that Hector had to leave out a town to go to work, and he was working out there, and then apparently he had to work more more months. He actually worked four months out there. So where where did he go? Out of town? At h Letterman? Okay? So what happened? Okay? So when he got back, the cops came to his house and locked all his doors, locked all his doors up, and the cops came with them, and so he said, what could I do? I

want to wait wait wait, wait, wait wait, Doreen. There's a lot missing here. So he went out of town for work, and then when and how long was he gone? Four months? For four months? And then when he got back, when he got back his three months? Three okay? And when he got back the police came and locked him out exactly. Well, that doesn't happen even if he was a squatter, that doesn't happen. I mean, this is highly unusual. Why did they lock

him out? Because the property that he's on, it's a trailer So his property, his trailers paid off. He has a title, no, so that's his trailer, right, yes, and it's on someone else's property. Yes, it's at Lucas Garden Medals so it's is that a trailer park? Yeah? Okay? He so he owns the trailer outright, and and it's in a trailer park and they locked it up. Now, why tell me why? They said, because he missed the three payments on the lot. Okay, Oh, did he miss the payments on the lot? He missed

the payments on the lot. But he's willing to pay. They told him that he can't pay through the office. He would have to pay through internet, and he didn't know how to do internet. Okay, okay, Now listen, Hector owns this trailer. How long has the trailer been there? Fifteen years? Okay, fifteen years? And they and he's been paying. I mean he has a pretty good history of paying. Yes, never missed a payment noreat Okay. How long ago did this happen? Guand in March?

In March? Okay, between February and March. Okay. Now what I'd like to know now is where has he been living in his truck? Okay, we got to figure out what's going on because they're not supposed to just lock him out like that. Some Is he sure the police did it? Does he mean the sheriff's department? A sheriff's department? Yes, and okay, did it medicine? Now they're taking his clothes out. Now there's something wrong. What are they going to do with this trailer? Give I'm

a second. They put a for sale, They put a for sale on his trader. No, okay, hey, Katschina, this is serious. We got to help this guy right away. Can we try to get I don't know how much Brad O'Brien knows about this, but if he could bone up on it or tell us this is a trailer. Did he have a year? Did he have a lease at lease? Then at least no on the par huss No, no annual lease, no annuals okay, so he had basically just month to month lease for fought for ten years or fifty whatever,

fifteen years? Yeah, okay, hold on, dear, do not hang up. We're going to try to get some help, Okay, and see what his rights are. Okay, thank you. Okay, Now we're going to figure this out. We're trying to figure this out. But I'm pretty sure when it comes to rights and trailers, you just can't lock someone out, even for three months. I mean, there's a process here. Do you know, Doren? Let me bring Doreen back. Do you know that they serve him while he was gone? Did they have a court hearing

at all? Den't court hearing? H Okay. When he came back, he's seen the papers and he said, okay, it seems like there was something. Now, why did he not make his payments? I want to ask, because he said that they he called them and they said that he has to do it online. No, I get it here, but wait, wait, wait, how did he normally pay for his lot? He would go to the office. Yes, And because he was out of town and he called him, they said, well, make your payment online and

he did not know how to do that. Correct, Okay, I got it. I got it. And the name of that park again is what does he have all the money to pay it? Right now? It's called Guardian Metals. Yes, he has all the money to pay it right now, I mean, including late fees anything. He's got that money, everything he has. Okay, okay, let's figure out what's going on. I'm sure you know. I can see where this can happen. Where a guy he doesn't you know, at least he called him and they said, well

you got to go online, and he didn't know what to do. Now, of course twenty twenty hindsight would tell you. What you do is you get a friend to help you out. I mean, you got to. You can't just ignore it. It's not going to go away. And so let's figure out if we can undo this thing and call over there. First. I want to find out from Brad O'Brien if he could maybe he knows where to look. We just need to figure this out, or Mark,

maybe you can look up something about trailer rights as well. So Tom oh wait, well oh Brad said no, he doesn't know anything about Yes, he declined, Okay, damn it, Just send me over the place's phone number. I don't care about the trailer rights. I'll go ahead and call over and see if I can't figure it out. As long as this guy's got all the money, I mean, then I might be able to pull something off. He doesn't have the money. That's a whole different story.

Yeah, he has the money to pay what he owes that. How much does he o total? What are we talking? Three months? Can't be a lot? Well, he's probably got some late fees. I would assume how much total? All right? Just get all that info to Kelly, show email it over, Okay, just to have curiosity, Duran, how much is this lot rent? How much is a loaded? Yeah? And the opendien though it's a one thousand around there? Wow, just for the

lot? Does that come? Okay? I'm just okay, never mind, it doesn't matter, okay, three ol three seven one three talk seven one three eight two five five. This hour brought to you by by the way waterpros dot net. If you want a great water system like I have, all the drinking water I want fourteen hundred dollars fully in solved. There's no better deal for for great drinking water. As I said, if you're going to do supplements and take care of your body, take care of it with

water. Two that's three oh three eighty six two five five five four. Go with a sure thing. Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three 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. Hey, I'm Tom Martino. You're troubleshooter three all three seven one three talks seven one three eight two five five. I have Eric Reinemer with me. It's just a quick question for him at at LISS CPAs and Financial Advisors. By the way, this is important for

me, Eric, and then we'll get back to it. Are there any changes for the tax year we're currently in that or excuse me, Yeah, that coming up that people should be keeping track of so when they file in twenty twenty five before April fifteenth? Is there anything going on this year that's substantially different at all? Big? Is it the twenty seventeen tax cut bill

could go away in twenty twenty five. So next year is the year of big chem Now, now, what do you mean the tax cut bill back in twenty Trump bill, Man, the Trump bill where tax rates came down and they were good until the sunset they go away in twenty twenty five, how much did the rates come down? Oh? About to say, five or six percent for everybody? Okay, So when Biden gets re elected, you think he'll do away with it, You think he'll let it Son?

Here you I'll stop tell us, Mark, let's the story. Mark, I'm just kidding you. Mark, I'm just kidding you. Man, I'm serious, I really am. I I mean, but but Mark, I

just want you to know. There was a survey done and ninety nine percent, ninety nine percent you'll ever stay away from surveys, ninety nine percent of the A listers are for Biden. So all twelve of them, no the A lister Hey, So Eric on a serious no and I am kidding Mark on a serious noose, like cluding democrats who just don't like you, if they are in power. If they are in power, do you think that Democrats will sunset that bill, let it go away? I think if if

if, if the if they have the House and the Senate. If they're in power, then I think they'll just let a sunset. But there's probably gonna be a mixed government between all good. It keeps everybody, you know, kinda I can pick up one way or the other one, so anyway, it keeps the border wide open. Yeah, it does a lot of good things, guys three h three seven. You know what, because Mark, it won't well, I don't care. Well. I love them talking.

I want you guys feel free. Now on the iHeartRadio app, there's a talkback button. Okay, now listen on the show here. You can call that time what you think on the talkback button. Do not use it for regular consumer problems. But if you have a scam you on a warnus about, or if you want to make a statement about politics as it relates to taxes, personal finance or consumer issue, feels free to do it or anything. I'm not going to respect you to hear from one person that says,

oh man, I hope it's sunsets and my taxes go up. Now here's the deal. You go to the iHeartRadio app and hit the red button and leave comment. Shannon and Dragon will play them. And here's what I want to tell you you can say anything you want, just we can't have any of those words you can't say on radio. But other than that, you can come pretty close. But here's what I really like. I am trying to follow Mike Brown. He really uses the hell out of this Michael

Brown. He does a great job getting talked back. So that's what we want to do. We want to be the second in second place for that. Okay, so let's go back and talk to Kendra now, and Kendra and we're trying to find by Mark is going to call that, uh that trailer part for Breen. But now we're with kend what's going on with you? I listened to a caller that you had yesterday named Joe who had Marvin Infinity Windows by next Gen installed by next gen. That's right, and next

Gen refuses to do anything about it. The installation is horrendous. Yeah, and I it was very similar to what I'm experiencing. I just had one slider door installed by Did you have it done with next gen? Yes? Correct? And it's you know what a lot of I think next Gen might be a problem here, Mark, I'm thinking I mean two in a row like this now, people might say, Tom two complains, how can that

be a problem. Well, when you take a slice of everyone out there and I get two of the same in two days, now, Kendrick, tell me what's going on with you? Kind of the same experience that Joe was having a lot of air infiltration on the bottom of the slider, super drafty, condensation on the inside track, freezing, and they blamed your house, right, No, they didn't, Well they they didn't blame the house. They just said the first time they came out, they put a bead

of cocking on the outside. That helped zero percent. The second time they came out, they talked the inside. There was some improvement with that, maybe like fifty to sixty percent improvement, but it's still really drafty. The project in moisture now, yeah, and moisture on the inside. Okay, So we got so what what's the latest word from next gen? We got to start looking into next gen people, Oh, what's the latest? That's the extent. They gave me some Marvin accessories is what they call them.

And it's a piece of like a plastic sponge that I put in the wheephole and a piece of sticky velcro that I put on the corner of the inside track to stop the chimney effect. I don't know if these are legit Marvin accessories, but so I put the I install those in the winter, and I got to remember to take them off in the summer. I'm just going to tell you something, Okay. It is not a Marvin problem. Yeah, it is a it is an installation problem. Okay, yep. And

I we a deputy doc. I know he's working from home today. Is anyone in the studio by the way, No, okay, so Shannon, No one's in the studio. No deputies are in the home mothership. We do not have anybody currently, but we do have people taking cases. Okay, let's give this wait. Is bo open bo and chopper? Okay? Anyway you pick it. Okay, just let me know who have them called. We need to we need to now step it up with next gen. We need to step it up because next gen then come on, there's too

many. And I've gotten some inquiry since that call yesterday and now I'm getting this one. Something's going on, folks. You see, we know about things before anyone and I'm telling you something is going on. Something is going on. So remember until we find out more. We are investigating this. For damn sure. I do not like what I'm hearing, So thank you for alerting us. We're gonna put you down here. We will have some a deputy. Who do you think We're going to give this to Kachina.

We're going to give it to Chopper. Okay, So Chopper, I want you to call him, like during the show if you can, and find out what the hell's going on with their installation department and why they're not taking care of these problems. They can't blame houses on all of this. For God's sake, you can't just you just can't do it. Oh, Laurie, what's happening? Laurie, Welcome to the show. What's going on?

Hi? Tom? Hey? I hello. I went online to a link that my mortgage lender sent me. I was interested in purchasing my neighbor's home, and so I contacted him. He said, okay, great, fill out the application. No, wait a minute, wait a minute, wait a minute. You want to purchase your neighbor's home, but your lender that you wanted to get a loan from gave you a link to go apply he did, Okay, So what lender was this? It's called American you know

what, I'll have to look up this specific. I'm okay, that's okay. So how'd you find how'd you find this lender? You know what? It's actually my cousin's husband and before and have no issues. You know, it's okay. Fine, So your cousin's husband, your cousin's husband gave you a link. What happened? So I built out the application at noon yesterday, and I'm telling you, at twelve ten, I started receiving phone calls and up until like this morning, so I've received over one hundred phone calls

of people trying to sell me a mortgage. And I'm like, and this is my work number that I've used. So even today, I've received sixty nine phone calls since eight am. Oh my god, wait a minute. This link that he gave you wasn't a Was it for his company or is he some kind of a broker? What is he? Well, she said that it is his company. So I told him, I said, you must be selling the information. I said because because he said he didn't even

receive my application yet and I was already getting phone calls. And I said, well then either you have an unsecure website or you're selling my information. And he's said that neither of those are true. But he's claiming that Experience sold my information as soon as I submitted, and I and I wait, how would experience know? How would experience know that you just submitted an app?

Did somebody pull a credit report? Right? So I'm assuming that this automated system must have went and pulled a credit report instantly, because well, hold on, when you went on, Tom, it's like Rocket loans. If you use something like Rocket Loans, they send it out to a million people and those I I get that, I get that. But Laurie says she didn't use a company like that. She used one private lender, supposedly

her cousin's husband. It was probably a broker that was shopping it. I'm wondering, and that's exactly what I told him, And he squears up and down that it's not him, and I it's just can you give me the link? What is the link? Let's ask Brent Ivanson as well. Yeah, good idea, Okay, let me go ahead and pull that up. I'll just be one quick moment here, okay, and then we're going to take this break and come right back to you. I want to find out

what that link is. I'm Tom Martino three oh three seven one three Talks seven one three eight two five five. By the way, Frank Duran the real estate man, speaking of real estate. If you're looking to buy something and you already know what it is, do you know what he can do. It's called transaction brokering. I had him do this for a friend of mine. They he was renting a place, one to buy the place he rented, but they wanted somebody to do the contracts, the due diligence,

help him with title work and all that. And each party needed the expertise, and they got Frank Duran, the real estate man dot com. It's called transaction brokering. It's a lower fee, much lower fee because they don't have to market it. He can do this and many anything to do with real estate three oh three nine to zero sixteen twenty two. 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 O three nine two zero sixteen twenty two.

Hi Tom Martino, your trouble shooter three O three seven to one three talk seven one three eight two five five, Louri, we did find out some stuff from Brent Ivenson at Ideal Home Loans, by the way, for your next Ideal Home loan, and I should mention when I mentioned idea, I

got to mention this. I just have to. They do the interest rate guarantee, the only ones I know, and that means if you refire, if you use a loan, you might want to consider this, Lorry, seriously, you call Ideal three h three nine nine six nine thousand because when rates go down, they'll refinance you free of charge. But I want to

I want to ask you to tell you. Brent said that as soon as anyone pulls a soft pull on your credit or any credit, that the credit bureaus now sell your say Laurie's looking for it could be cars by the way. Yep. If whatever kind of a lender pulls your report, it goes out to everyone. That is terrible. I wonder if you can opt out

of that mark. What do you think I got it? I mean somewhere along you line you ever went to buy a car or go to buy anything, and being able to opt out of anything, you know, But I'm thinking somewhere though. Well, actually, when we don't deal with credit, you just say we don't give them permission or not. That's just what they do. I don't even though if you could demand that they don't do it. I don't think you can. You know that information. It's terrible.

I can't believe how many phone calls you got. I'm at seventy six phone calls now and this is you know, and just for anybody listening, don't use your work phone. I thought it would be good because you could get in touch with me where, you know. I thought it was a good thing. You know. I think this is where a Google phone comes in. This is where a Google phone comes in. You get a Google number and you use it whenever you need a number, and you don't want to

miss a call because they can leave a message. You will see it. You can forward it to your cell phone and if it gets overwhelming, you can unforward it. I'm telling you. Google Voice is one of the best inventions in the world. And I have a Google number. And what's great about it is it's a real number, so it can be verified. And if you have to, like if they send you a code, you can go on Google Voice and get the code. You can always use a Google

Voice number. That's a good tip for everyone. But Laurie, sorry about that, but you know, at least we found out what it is. Three three seven one, three eight two five five. I'm taking you in order, Doreen. Let me give you an update on your friend Hector. Okay, he did not pay for three months and he was away. He meant to pay. He called them. They said you got to go online. He didn't know how to do it. So here is what is happening.

Mark, go ahead. Well, I left a message over there and I said he's wanting to pay right now, give me a call back and we're going to get you guys paid the day so he can quit worrying about this. He has all the money and I should be receiving a callback from the manager of that particular complex or park. Uh, pretty soon, so we'll see. And the guy took detailed notes, So, Doreen, I don't think it was a shine on. I think they're going to relate the

relay the message. But I guess another thing that I'm puzzled about is how they could lock it up. I've never heard of that extreme measure. I am. Yeah. I wonder if they already went through an eviction process or something. We're not being told they're just taking little by little out. They took out some of his clothes already. I just simply don't believe that. Why would anybody want Hector's clothes? First of all, I don't think they're

allowed to do all of that wrong. Why would they The neighbors took pictures to show Hector what they're doing. I wonder is it the park doing it or vultures? The No, the park, because there's a sign on there she put and she put just a piece of cardboard saying for sale. Oh it's a for sale sign. Did he ever get any form of eviction notice or notice that it was on the door when he got back marked it was on the door. See, they might have gone through everything already. Yeah.

Yeah, but well no, I'm saying he might have been evicted. He I have missed a court date. It might be done and over. The sheriff might have showed up. I don't know. Ah, Okay. The thing is is that the trader's kid. And if he could pull that trader out, if they don't want agree to give him a chance, Well hold on that can he can he pull that trailer? How big of a trailer is that? Okay, let's go that's trailer. It's about Ah, it's a double forty, it's a double. He's not going to pull that

out of there. Oh no, you can't pull it out. Oh, you can't pull it out. No, ask him if you ever got a court date? Please in the courts? Oh yes, he said that the papers what he got when he came back, There was a court paper. I'm telling you, can he give it a copy. We need to get copies of this stuff. We need to get copies of this stuff. He can't get in the part in his trader. It's all in there. Well

wait a minute. He said he saw it when he got back, but he said when he got back he was locked out, So well no, no, no, how did when did he see his papers? I mean when did when did he see the papers when he got back home? So when he got back home, Hugh said he was locked out and couldn't get in, And you said the papers were inside? Where were the papers that he saw when he got back Where were they all this? Do? Oh? They were on the door, the door, And then how did they

get inside if he was locked out? And okay, when he was when he went inside, he u the cops got there and they changed the locks. Okay, so he temporarily he got in and then when he was there they must have called the cops exactly. Okay, So he left the papers when they kicked him out. Well, and if the cops came and kicked him out, I mean, this whole thing's done and over, guys, everything he left everything, his medicine. His feet are so swollen right now,

everything? Okay, okay, hold on, this is wrong, man, This is there's something wrong. Something doesn't smell right. But Mark made a phone call. There's a way of home. Feeling. I have a feeling he missed a coordinate. He got evicted, they had the sheriff, everything was done. Then he shows back up he's not supposed to be there. They call the cops, the cops get him out of there, and it's done and over. I'm afraid that's where we're at. But we'll find

out. I'm just making an assumption. Okay, Yeah, but Mark shouldn't they have I don't know if he didn't pay for ninety days. A lot of stuff can happen in ninety days, tom, Okay. So the problem is is that's his place, his title. He has a clear title on that. Yeah, and if he's listen, I'm once again it's an assumption. But if he showed up to court, he might have been able to say, hey, I don't know. I just don't know right now, but it doesn't look good, honest to god. He wants to go to

the court. He wants to go to the court. He wants to see if he could talk to the judge. He wants to see if he could do something to take care of this, because he never missed the payment. And he's he's just like, wait a minute, you mean you never missed.

I don't even know what to say to that. I feel like the biggest monkey wrench in my life was just thrown hold on a second, I am looking at this mobile home park thing, and they have a lot of rice before they can move, And I don't see anything here talking about a lockout. I'm looking at it prohibits a lot of these behaviors. Why do you think the cops would show up and remove them? Then? That? I don't understand that. I'm a look to see. I'm trying to read

this one. I'm gonna read it during a break. It says, are we got a break? By the way, all right, let's take this break. We'll come right back. 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

out three having 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. You know anyway, nothing like Major Mark Major to try to get me going. And I'm not going to do it, Doreen. I got to talk to you, Duran. Hey, Mark, listen to this. I looked at us. This cannot be the Dorine I'm thinking of. No, No, it's no

the Dorien you're thinking of. Mark. She just never mind. We'll get into a different time anyway. Hector. I'm going to tell you something, Doreen. Under the Mobile Home Act, let me just summarize it. It may be terminated for a specific cause, which means failure to pay the park with a ninety day notice, with a right to cure the non compliance with in ninety days. A ten day notice is required first, and then ninety days, you know, the ninety day notice, and then they can do

exactly what they did. Here's what they say. They can order a vacation with to vacate within thirty days, and if they do not, they can literally sell them. They can actually lock it up and sell it. Do you know that. I mean, that's amazing to me. They can do it to cure it, you know. I'm going to tell you, however, it says that they can they can pay it. They have it sounds like this is a ninety days to cure. After the ninety days, I don't know how long this whole damn thing was, but it seems to me

they have some kind of right. Okay, so Mark's gonna follow this up with the owners. We'll see, Yeah, hopefully I hear back from him. The other thing we could do, in fact, let's do this. Get me his full birthdate, first name, last name, and let me see if there's an eviction on his record. Okay it is Hector. No, I don't want it now, you give it to Kelly. All right, Hold on, dear, hold on three oh three, seven to one three. Talk Dan, what's going on with you? Dan? What's happening?

Dan? Yeah, I hate Tom Mark just a I'll give you just a quick overview of what I'm dealing with. So we live in central Denver. We've lived in the house we're now for about almost twenty seven years. So, you know, like in most sections of Denver, there's a lot

of redevelopment. Yes, it happened, there was a new house being built behind us, and you know, during the final stage of that, you know, you know, I was really, I think i'll wrong a little worried about if the contractor We're going to try to at least even ask us if they can cut back some of our trees because they essentially well, they may not need to ask you under certain circumstances. Hold on, we'll come

right back to you, Dan. I'm Tom Martino. We also have at Lasidas and public Advisors with us. Give us a call three oh three seven to one three talk or three oh three Martino. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. 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. Y'all ripped up news need advice so you don't have the You'll come running just as fast as we can. Shooter's gonna help coming man. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino here, Welcome

to the show. Three oh three seven one three talk seven one three eight two five five. Welcome to the show. We are here to help you. If you want help with a problem, question and complaint. You have a question, give us a call on the shower breach by eight eight eight heating dot Com with a risk free service fee. If you want any one item in your house for twenty eight bucks, they come to your house. Now listen, that's you spend more than on it when you take your friends

for coffee to Starbucks. Anyway, they come and service one item, including if it's a water heater, they'll do the flush and service and a toy let they'll do that. But here's the deal. If you need anything more, they simply credit you the twenty eight bucks eight eight eight heating dot Com. Welcome to the show, folks. Let's go to the phones. Now, here's the problem. Dan says, Okay, I've been in my house twenty seven years. There's a lot of infill projects, new houses. There's

one being built behind me. And that's where we left off. And he said something about cutting back his trees, and I said something like, well, if trees overhang a property, they don't need permission to cut them back. They do however, have to take diligent care not to kill the tree. Like they can't be reckless about it. So go ahead, what's going on? It was Excel, so I don't think it would be someone else's property. It was probably something you know, where their telephone lines are,

did Excel do it? Or power lines? They did? So they have a tree contractor that they refer to their vegetation management company, right right, And so you know they came out on a Friday and knocked at the door and said, hey, look, we've got to remove something. You've got some branches and we and by the way, we're also going to put a high voltage on the top of the poles, so we've got to cut back

your trees. Sure, right, let's go back and see. By the way, that's an ease, right, Okay, No, I understand, I understand. The utility is meant that by the time I got to the backyard, that three workers jumped the back fence, hit the trees and start cutting everything from the ground up forty feet so and this is back to the trunk, right. These weren't safety cuts. These were like, okay, Dan, it depends, Dan, It totally depends really where they cut.

They're allowed to cut anything on their easement anything but so understood. I get that, But if it's on there, if if let's just say you had a big tree on your yard, a big, giant tree, a beautiful tree, and then that tree hung over the easement, they can cut it back. They can't go into your yard and take the tree trunk and trim it down to the tree trunk in your yard. Where was the trunk that they cut back to the trunk. It's a very simple, uh situation.

Was it on their easement or in your yard? It's in the yard, but well then it's not in the yard. The yard is not the easement. The eastman is the easement. The yard is the yard. The eastman I know what you're thinking, the eastman goes across your yard. You're absolutely right, But technically it's not your yard. It's your yard to use.

But it's their easemen to do whatever they want with. I mean, as far as the state of does right within the definition of the utility isn't though it's you know, it's for the utility companies to take care of the make sure everyone have service, that make sure everything's safe. Right. No, that's absolutely that. Yeah, that's absolutely true. That's right. So what did they do that was unsafe? They've had everything in between that round the

secondary lines and everything. They so give anything with the kid. They said, Dan, you and I may not like what they do. I'm going to say it again. If it's their easement up to the sky, they can do it. They are allowed to do it. So many times we get used to seeing things on an easement that we start thinking, you know, well that's going to be left alone, or they have an obligation to

work around it. They do not, do you know there have been some people who've had fence lines, beautiful privacy fence put in and they can come and knock that fence down. Yeah no, And it's I know that there's a lot of great you know suck by the way, I don't like saying that. I think it sucks, you know, because we sometimes these easements

have been left alone for years and years and years. Then all of a sudden there's a couple of new project and boom, you know, you you lose that you use, you lose that status quo, and you're thinking, what the hell they didn't have to do that, And you're right, probably they probably didn't have to technically come back as far as they did. But these companies, they don't give a damn. They just want to get the

job done. Great, No, I hear you, and I you know, you know one of the things I'm concerned about though, And I've got actually I've got to run because there's another arborist showed up earlier. Yeah, yeah, I had planned air later today, but I had This is second

arborist I've had to take a look at what they did. I'll just say the first one from part of the large tree companies in Denver that he had never seen this excessive amount of cutting right by itself ever, I mean ever, And yeah, it goes across five sixty year old blue spruces that are probably pushing sixty seventy feet tall. Do you think do you think you kill them? They're they're risks, I mean, and dying and you know, decay, disease. So give us property value and you know the tree's rush.

They need a lot more now. But Dan, just so, I just don't want you wasting a lot of time and energy because truly you're barking up the wrong tree, as they say. And I don't know pun intended, but you're not gonna If they are on the easement, they're fair game. Yeah, we'd like to believe that. Trying to get them to just

be good people or good stewards of our environment. Well, and they could have probably done They could have probably taken a lot more time and care, and maybe in cases like this, they should say to the homeowner, listen, do you want to hire someone to get this done? And maybe then your person would have taken way more time and energy. But I'm telling you, if your arborus says to you, Dan, these trees are probably gonna die. And you're thinking, well, I'm going to make a stink about

this. Good, you can make a stink, but it's an easement and it's not yours. Yeah. No, that is a tough thing, especially even now the phone. Right, So it's the last twenty seven years. I get it. I wanted you to VND because I know a lot of people feel the same way. But literally, nothing nothing, it can be done about it. And I mean I mean they can't unless they did something

outside the easement. Uh, they're allowed to cut it. But here's the problem with Tom, honestly, is if the contractor puts this in motion to get more light in their yard. That's the misuse of the easement, right, and the whole purpose of it. It's not still a private party can benefit from you having, you know, leveraging that you know, utility company to cut in someone else's property so they can sell their multimillion dollar house.

And that kind has nothing to do. But I'm dealing with the homeowner. The homeowner didn't ask them to do that. The builder didn't ask them to do that. They didn't they the contractor put in service request. That's right, It wasn't. So it's saying that's yeah, what I'm getting at it is crazy. It's not the guy wanting to sell his multimillion dollar house, and and well he should want to sell it. But that's not why that was cut back. It was cut back because here's why it was cut back,

plain and simple. The utility company wants a clear easeman. They hire a company to clear the easement. The company can do it in one of two ways. They can cut back just enough to keep it clear, or they can say the hell with this, where you know, they got a bunch of bozos working for him. They just want to get in and out of there. That's what happened. Three all three seven one three talks seven one three eight two five five. We got more coming right up on the

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two zero sixteen twenty two. Hi Tom Martino, you're troubleshooter three oh three seven one three talk three oh three seven one three eight two five five Greg, what's going on with your Kia Soul? What's going on? Did you lose your soul? Sir? What's happening? Yeah? I had a two thousand I have I had a twenty fifteen Kia Soul, and on March twenty fourth of this year, I'm sorry, March fourteenth of this year, twenty twenty fourth, I took it to Grand Kia up in Portant and it wasn't

running. It was it wouldn't go fifty miles an hour on over fifty miles an hour in the highway, and it was acting like it was a catalytic converter, and what what is the what is the dealer? You took it to Grand Kia, Okay, yeah, yeah, And so I took it up there and I said, I talked to a service guy up there, a service manager, and I said, well, I'm pretty sure it's a

catalytic converter. He goes, okay, well we'll check it out. So he checked it out and they called you later in the day and he says, well, we see it's your pl one fuel O ejector needs to be changed, and then the other ones needs to be repaired. Three needs to be repaired. And so I had them do it. And so after I picked up the car that day. Same day, I picked it up and I started driving. It just wasn't running right. And me having a job, I was trying to rent a car and trying to get back and forth

to work and everything. So I let it go for about almost two weeks, and they're still kept betting worse and worse and worse. I took it back to Grand Kia two weeks later, and I said, this thing's not running right. He goes, well, I said, my engine light came back on for one thing. He goes, well, let me go out and check. The service manager went out and checked it and put a did a code read on it. Come back. He said, oh, you need a new gas cap. I go, oh, really, a new

gas cap is going to help my car run better. He goes, yeah, that's all you need is sucking in oxygen. Oh okay, put a new gas cap on. Go two miles, still doing the same thing. Brought it back. I said, I need somebody to drive my car now. The service manager got in there, drove it, came back said, yeah, it's your catalytic converter. Yeah, no kidding. So anyway, here's my dilemma is I went up there two days ago, talked to the service manager and what do you want from them? What do you want?

I want? I want them to cover this seventeen hundred dollars part of that seventeen hundred dollars I had to spend because it was originally the catalytic converter causing the problems. Now if that's true, If that's true, how many miles on this car one hundred and forty two thousand, Well, then then you're going to have a problem because it could also be both. It could have been both. Now we're never going to know this, But here's what I would do if I were them. I mean, it would take an opinion.

I had a second opinion. What's that for the catalytic convert I had a second opinion for the catalytic converter. But you let them do the injectship. You let them do the injectors. Yeah, because according to them, that was the only thing wrong. I no, I get you, I Greg, I understand exactly what you're saying. What I am saying, is it is pot possible that those injectors really needed work done. It's possible at one hundred and forty thousand miles, and it also needed cat work. What

I'm saying is it may not be a complete cheat. Now you said it needed a cat and you had a second opinion. Well, if that was the case, what did you let them do it? If you had two opinions, two opinions said it needed a cat and one opinion saying you needed injector work, why did you go with the one opinion and not the two Because it was going to be over four thousand dollars for a catalyty converter car. Okay, okay, so you chose to take a gamble on the lower

cost work on the hopes it would take care of it. I but but how is that? Listen, I'm not sticking up for grand But how is that their problem? If they tried to fix it, they get you got what you paid for and it wasn't the cheaper solution. And how do we go back in time and prove at one hundred and forty thousand miles that you did not need the injectors? Now, a good compromise would be if they would give you that job at cost? Did you ask him about that?

So you just say, listen, can you just what's that I did not ask them about? Did you ask them for anything on it? Did you say anything? Did you? I said yes, I wanted to. I want I want seventeen hundred dollars back. But you're not going to get it. You're just not going to get it. Well, okay, don't you do a test drive after? Don't you do a test drive after you fix a car? I think it would be good for small claims court. Let a judge decide that would be a good one too. Listen, Greg,

I'm not entirely Greg, I'm I'm not entirely disagreeing with you. What I'm saying is because of the mileage, it's going to be difficult if they say, oh, no, you know, our diagnostics showed he needed injector work. I can't believe you think these guys did this guy. I didn't say they did him, right, I didn't know. I said, I don't know, and neither does he. It's very possible the injectors needed work at that mileage. But he also made a choice knowing that new people told him

he needed a cat, he made his choice. I think we should ask, and I'm being serious. We asked Kevin Caukin. I wonder if bad fuel injectors can cause a cat to go out, and I think I'm correct on that. Well, let's find out. That's a good idea. That's for a month. I drove the bad cat for a month. The mileage on the car is the same for in and out. They didn't even do a test drive. Well, but that's although they should. They probably started it up that you don't really have to do a test drive. To be

honest with you, Greg, they very seldom do test drives. They really do. The only time they do, they don't do it for liability reasons and they don't have time test drives they don't do. They usually put it

on a scope where they started up to make sure it's running right. The time they would do a test drive is it they had a ball joint problem or a problem where they want to make sure the ride is feeling good that you can't tell from running it. But hold on a second, Greg, I think Mark had a good idea, and I think any driveability issue, most good shops are going to do a test drive afterwards. Okay, So what I'd like to do is get Kevin calkin on to give an opinion on

a couple things. I have a couple questions for Kevin. For example, is it possible the bad injectors caused the cat to go out? Is it possible that you could have had both or is it unlikely? And what would cause the cat to go out if the injectors were perfect? I don't know. I mean, these are questions. I just want to ask for peace of mind. Three three seven to one three talk? Do we have them on already? Kachina? Do we have them? Yes? We do, Yes we do, Kevin call can share it an auto tech. We have

a real simple question. Is it possible? I just want to know. I'm not leading or baiting. I'm not going to tell you the whole problem, but is it possible? First of all, for injectors to need work? Is it possible at one hundred and forty thousand miles on a on a grand excuse me, on a on a twenty fifteen Kia. Not likely, but possible. Okay, so that's good. It's not likely, meaning those injectors should last well past one hundred and forty thousand miles. Yeah, the

fuel qualities and everything today, the injectors rarely fail. Okay, okay, good. If they did fail, can they make a cat go bad if they're overfeeling. Absolutely, if you have a chap engine like flashing while you're driving and you can see. But if he didn't, he didn't have a check engine, Like did you have a check engine like Greg? I did not when the car started acting up with the Cat, I did not get a check engine. Well, you say, with the cat without prejudicing,

Kevin, what were your symptoms? I couldn't get over. The car wouldn't shift until I went into the manual shift, and then with high RPMs and trying to get it to shift into the next gear was impossible. Kevin, Would that tell you the cat was going bad? Because this is the thing Greg immediately thought was plugged. That's saying it seems more like a cat than injectors. Yes, okay, so Kevin, Greg, Greg is scoring one

thousand so far. So no, no, no, no. The only we're only part I'll disagree is if those injectors were overfueling, they could have took the cat out. Yeah, but you okay, I've been driving it that way for a month before I took it. But he said Kevin said, there would have been a check engine light if they were overfueling. Oh yeah, there was. And Greg said there was no check engine light. So what we're to assume from what we're hearing, it's very likely the cat

was going out. Now, is one hundred and forty thousand miles likely a cat could go out? It's conditions, if it's burning a little bit of oil or anything like that. Yeah, let me ask you this, Is it more likely at one hundred and forty thousand miles? Is it more likely to be a bad injector or two, or is it more likely to be a cat's that's a tough one. That's a coin toss. Yeah, But here's what we're trying to figure out. Kevin, let me let me just

tell you what we're trying to figure out. He took his car in with driveability issues, could not go over forty, was losing power. They said, you need work on your injectors. They did work on his injectors for seventeen hundred dollars. Then the car slowly got worse and then they said you need a cat. Greg said, I told you I needed a cat from

the beginning, So what would you say about that? I think he's great, Okay, so maybe small claims court, Greg would be the way to go to tell these guys, Look, you may have worked on my injectors, but I probably didn't need it. What I'd like to know is this, Greg, why didn't you go right back when you notice no difference after doing the injectors? It's because of trying to get back and forth to work and trying to figure out a rental car and things like that. Wait,

must have been better. You did get over forty though you said when you brought it in you couldn't go over it started out. It started out good for about two or three days. But I know I would just want so let me ask you, Kevin, why would a bad cat when he took it into the shop, Why would a bad cat work for two or three days after they did the injectors. That's kind of hard to explain. Yeah, that I couldn't explain. And then he said there was no check engine.

Like, guys, if that thing was running so bad, why wouldn't have a check engine? Like? Come on, if that cat was so clogged, there would have been check engine lights for misfires, driveability, cat all kinds of things. That's confuting with none. You see, Greg, here's the problem going back in time with a car and Kevin. Am I right or wrong? This is what I'm thinking. If they if he takes them the small Claims court, can't they say something like this, Look,

it could have been injectors, It could have been the cat. We took the less expensive option, and you agreed with it because and he even admitted that to us that he didn't want to do the cat if he didn't have to, so he did the injectors. Then it turned out to be the cat. Can't they make the argument that one hundred and forty thousand miles he could have needed both, yes or none? I mean, I mean the one and the one caused the other. Yes see, Greg, I just

think it's not as clear cut as you think. He went in and said I want my entire seventeen hundred dollars back for the injector work, and I think it's unreasonable. I just I go back to my original And now I'm not saying they were right, by the way, but I don't think you can get your entire seventeen hundred back. What I would do is ask them if they could at least give it to you at cost, that would be great. I'm not you know, I started seventeen hundred, but if I

should get half of that even or well, ask them. I don't know, Mark, I don't know, Kevin, what do you think the markup is on that? If they work? They had to replace one injector and work on the how many injectors on that vehicle? Okay, so it's just a four cylinder right right, So it's seventeen hundred to replace one and work on the other three? Is that expensive? No, there's really no work to be done to let me replace them? Or I mean, did they

replace all four? No, they replaced one and repaired. I have the actual invoice in front of me. They replaced four and they and put a jector, O rings, hit a washer, injector bracket, and am injector. So is that that seems like a lot of money for four seventeen hundred? It does? That seems little state? You know what, Greg, Maybe you were entirely screwed here, But man, I'm going to tell you call them right now and just ask them for an adjustment. Tell them you

talk to another mechanic. Yeah, I did to him. You know he's supposed to call me back at ten o'clock yesterday. I'll have an answer for you at ten o'clock yesterday. Well, if you don't get a call today, call us back. But call them back and say, look, I'm looking for an adjustment on the injector work because it was questionable. Maybe let's have a deputy reach out now. It might be a good time because they haven't called him back yet. Okay, let's give it to deputy. Let's

see we gave Chopper that other one. Let's give this a how's that? Yeah, let's do that. Three o three seven one three talk seven to one, three eights kick an ass? Yeah, got more 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. Okay, I'm Tom Martine. Welcome to the show. Three oh three seven one three talk seven one three two five five Doreen Mark. Did you do a check on this guy to find out why? Yeah? Unfortunately I forgot about something. We did do a background check. I mean, he's I think he had a

traffic violation or whatever. But the problem is I forgot. Colorado changed it to where evictions either in process, well in process are one hundred percent hidden, and then outside of that most of them are hidden. So, in other words, background checks don't show evictions anymore in Colorado. And guess what else is changing what They will no longer show medical bill delinquencies on credit reports. Uh yeah, yep, yep, that's true. That one I kind

of agree with a little more than a yeah. The other one, they're just going to chase every landlord out of this state. I mean, they're already doing a damn good job of it. So and what's that going to do? That's going to make housing more expensive, which is exactly what they're trying not to do. It's just remarkable how stupid the people running Colorado are

honest to god. But no more medical bills on credit reports. And you know, I'm not so sure I got a problem with that one though, because I don't have a problem because you know, people don't have a choice with that. If they're like screwing around with their credit cards and other stuff, that might be a worth a ding on your credit. But my god, if you had to go in from needed surgery or something and didn't have the money, that doesn't necessarily mean you're a deadbeat. I almost look at

it a little different same thing as what you said. But if you go into you know, XYZ hospital to get a colonoscopy and you have insurance, it's not going to cost you much at all. In fact, generally it won't cost you anything. It's part of your coverage. But if you don't have insurance and go in, instead of charging the insurance company five hundred or fifteen hundred bucks for the procedure, they come after you for twenty grand.

I mean, they deserve to get stuck occasionally. Now, you're right, because many times when they do go after collections, they're not And first of all, What do you think about that? What do you think about having tiered pricing? Like you charge an insurance company for an MRI six or seven hundred, and you charge a consumer nineteen hundred. I mean, I think it's absurd. Imagine if you walked into a restaurant. You go into Sizzler in your steak is ten bucks. I go in and it's fifteen because you're

driving a different vehicle. I mean, there's no sense to it. The reasoning behind it was that insurance companies will generate a lot of business, therefore they get a discount, whereas people walking in off the street don't deserve. And I think that whole system is just wrong when it comes to healthcare. I don't want to get into it right now, but I could make an argument why health insurance and insurance in general, just insurance should not be a

for profit business. There's a reason for it. And don't think I'm a communist, I'm not. There's a very specific reason. It actually cuts down on free enterprise, does not encourage it because because they are not the insurance companies are not providers. The providers are the doctors and the nurses and the clinics or in car insurance or in any kind of insurance, the providers are the people doing the work, and then the consumers are the ones paying for

it. But the insurance companies are inserted in the middle. And when you have a profit motive in the middle, no matter what, it either takes away from the supplier or it takes away from the consumer. There's no mathematically Kaiser besides the Kaiser way. You know, we've had this conversation a lot, and I agree with you in theory, But who would be there has to be that middleman. There still has to be an insurance So yes, how would that work? There? There is a middle man with Kaiser there.

What I mean by that is this is that what happened with insurance is they stepped in and did something called managed care. Let's let's take the coding off of managed care. Okay. Now we can make the argument that some doctors had to be managed because they took advantage of insurance, but that's in every industry. Let's talk about the real reason there is managed care. What they really mean is managed claims. It's just a fancy word for reducing the

amount of the claims. That's what they mean by managed care. Now to some extent, do I think that needs to be done. Sure, sure, maybe it does. But it should be done by supplier and consumer. That's what free enterprise does. It shouldn't be done by an insurance company that wants to want They're not doing it to reduce cost. They're not even doing it to increase profit of the supplier. See. I have no problem with

supply and demand and products and consumer setting prices through free enterprise. But here there is a third party and they're in the middle. So for them to set prices either takes away from one or the other or both, and most of the time it's both, and so they set the prices. There's nothing wrong with having insurance if it's nonprofit, because then there is no motive to

cut back on care. The way you would choose between a kaiser which is nonprofit, and let's say another new company that comes up that's nonprofit, is who has the best longevity rates, lowest fatality rates, the best health rates, Who is keeping people healthier? It's not who will pay me more of a dividend on my stock in an insurance company. It's just counterintuitive, in my opinion, it's absolutely counterintuitive. It really is not free enterprise, and

it's just the opposite. It actually controls the costs and controls the purchase and why so they can make more profit. And that's the only thing there is is profit. So insurance companies are marketing profit. They're not marketing healthcare. They're not marketing anything but profit. They are inserted in the middle. I think there is a need for insurance, but of all industries in the entire world, it's one that I do not believe should be profit centric. Saying

the people who run it shouldn't be paid. Well, I'm not saying agents shouldn't be paid. Well, everyone should be paid, every single person. But there's no reason to have stockholders or the president of some giant insurance company making money off of someone else's problem. And what's what's your thoughts on a hospital, Well, hospitals are great because group doctors. No, I'm marking for profit mark nothing's wrong with that because you have a supplier and you have

a consumer. So if consumers pick a doctor and they don't like the prices, they can pick another doctor or another hospital, and hospitals would compete and doctors would compete. Well, now what, it's not that simple. Because most hospitals are making their money off of accidents. And it's not like you're going to go Mark, but I came out of a car wreck this one. All I'm saying is the comparisons I'm made making are between consumers and suppliers.

What I'm not insurance companies are inserted in the middle. There is nothing wrong with profit from anyone, But why have a third person making a profit at the expense of the supplier and the consumer? That is what not makes sense. And they're offering nothing zero, They're offering nothing. How about home insurance? Isn't it the same way, then? I think it's exactly I

said. The one industry in the world that I believe should be nonprofit And I don't mean people don't make money, I just mean should be nonprofit. Are companies that attempt to insert themselves and make money off the misery of others by reducing what they get. It's never by increasing what they get. It's always by reducing and reducing hurts both the supplier and the consumer. Go with a sure thing 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. I'm Tom Martine. Let's talk to Eric Reinermer Atlas CPAs and Financial Advisors

and so Eric on the on the tax thing. Okay, I just want to ask this. This is not a text. I have some text questions, but we may now have time for those. Right now, what is the number one mistake people are making on taxes? I think? I know they don't make their their quarterlease right, they don't make their estimated payments. Is that one of the most common ones, you think? Or what? Yeah, they just get later spaced out and get a letter and realize they're

in a jam. So if you don't make quarterly estimates and you're self employed, you're gonna end up most of the time with a penalty. Is that right? Correct? So the estimates? People misunderstand this if you pay too much, you'll get it back, right. It's not like you're paying it and kissing your money goodbye. Yeah. Usually it's just having the discipline to get it paid in quarterly to avoid getting dinged with penalties and interest, and

they're based on the prior year generally. Yeah, you can do the safe harbor thing with which avoids penalties. Right. It avoids penalties if your income is going up and you pay in what's o the year before. That's how there is a rub. There is a rub to it, Tom, what is it? Well? The rub is sometimes that penalty is so small compared to what that money could have made you. Let's talk about that coming up that we don't have time right now, but let's bring that up. I'm

Tom Martinez. 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. Leave time for an insurance check up free, no obligation. In comparison, call Compass Insurance. Pay too much your coverage at dozens of insurance companies find out now three oh three seven seven to one

help You'll think you're his only customer. When you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two rip you need so you don't have run anxious. As fast as we can, Shooter's gonna help. Come man, This is the Troubleshooter Show. No Tell Martinez, Hi, Tom Martino here, Welcome to the show. Three h three seven one three talk three h three seven

one three eight two five five. We're here with Eric Reinemer from at the CPAs and Advisors. They do all of my work and love having them on the show as well. And then also we were talking before the break on with drawn on paying quarterly. Now we're these are mainly for people who are self employed, or you might have a business on the side along with your employment. But these are for situations whether you have W two or not,

where you're not having enough withdrawn. Now, if you're a W two employee and have work on the side, you can even be hit with penalties right for not paying the proper tax? Is that right? Eric? Everyone has to pay into the government a certain amount or you're penalized, Is that right? That's right? You can't put the MC closer. But you can't simply you can't simply decide to pay it before April fifteenth. It's all about what

did you owe over the year and did you pay it in timely? Right now, let's say you have a W two job, either self employed and you pay yourself W two or with someone else W two that has nothing to do. I mean many times that could be all the taxual. Oh but if you have other income, you have to be absolutely sure, especially people with sub subs corporations or sole proprietorships, they have to make sure that they pay in an estimated amount or be penalized. And Mark brought up something.

Any Oh wait, hold on though, Eric, just from what he just said on a W two employee, how about if the W two employee tells his employer, I've got twenty kids or twenty exemptions and they barely withhold anything. But then at the end of the year, of course he makes whatever they say one hundred thousand, do they get penalized as well? They will totally get penalized. If you mess up and don't have enough withheld, then you're screwed. You're gonna be under it. And it doesn't matter if you're

a sole proprietor or W two or anybody, is my point. No, that's that's a good point. So no matter what, if you don't pay in at least how much one hundred percent of the previous year. Yeah, well it's actually it's one hundred let's just say one hundred percent in general. But there's another group that's getting in trouble is people that have investments or even gets Social Security and don't have it withheld. They can end up getting whacked

at the end of the year. Even retired people with a bunch of investments. Those have to be paid in over the year too. Now, how about Eric, and I know the answer to this, but explain this to people. How about like, if you work all year, but let's say third quarter is where you make all your money. I don't care if it's a retail store or someone that only works in the third quarter. Let's say you, once again, you make one hundred thousand in a year, but

ninety of it was made in the fourth quarter. You can actually go to your accountant and they can file the correct paperwork to where you won't have to pay the quarterly for that until it actually happens instead of being spread out throughout the year. Right, that's right. There's an extra form you could fill out the state when you earn the money over the year enough if it's worth

it to do that to not get penalized. Yeah, and for let's say, let's say places that do a big Christmas business, you know, I mean that would be only in the fourth quarter. So your only fine, here's your penalty. Your penalty is based on when the tax would have been owed and for how long it wasn't paid from when it was earned, right right from when Eric brought something up. Crazy because back in the day, I remember I didn't make quarterlies, like in twenty sixteen or seventeen. I

just totally forgot. I mean I just didn't make them. So I go to pay my tax bill and I had to pay the interest in stuff, and it was so small. I was like, why would I ever pay quarterly because I could have if I did pay quarterlies, I could have simply invested that money and made more than what the penalty was. But then Eric explained, why now is different high interest rates that that the fes you're charging. Yep, yep. Back then, tom two percent two percent. So

you figure once again, I'll use one hundred thousand. You only have to pay two thousand dollars and you get to keep the one hundred thousand for the year in a quarter, and you could easily make two thousand bucks off one hundred thousand. But now now you're talking big dollars because you're seven eight nine percent, And that's all right right, because it's based on the federal rates.

So the whole idea is to pay quarterly. I mean that would be the safe haven as they call it, meaning you don't pay penalty, but you still pay interest or not. Do you pay interest? Sure, you pay interest. So if you don't make your if you paid in one hundred percent of the previous year, do you still pay interest if you owe more, it depends on if you paid it in evenly over the year or not.

You can't just pay it all on January fifteenth. You have to be paid in evenly over Let's say you make quarterly payments, quarterly payments one hundred percent of the previous year, and you did it quarterly, you won't be penalized, but if you end up owing more than the previous year, you

will pay interest on that more. No, if you're in the Saint Harbor and you've paid in one hundred percent, then you could come to April and oh a million bucks and there is no there is no interest because oh that's holy, because the government knows you'll never know by January fifteenth what your taxes are. So if you've paid in one hundred and ten percent, if you're a high earner, and then oh a million bucks on April fifteenth, there's no penalty, all right? Should it be then? Okay? Is it

one hundred and ten or is it one hundred? If your income is over two hundred thousand dollars? I think it is that is one hundred and ten percent, So it's better to be safe. Okay. If you have risey income, paying ten percent on top of what you owed last year, that's the safest safe harbor. All right. Now, let's go to Reggie, who has a question. Reggie, what's happening? Hi? Tom, Hi, Reggie, what's going on? I? Yeah, I have a relative

who recently passed in test eight. I'm and what kind of relative is it? Is it? A close relative? Yeah? Brother? Okay, his brother? Okay, go ahead, your brother, and yeah, and so I'm in the process. We went to our a lease, are in the probate process, and I have yet to be named as the personal representative. Well, how many siblings are They're all together with me, so it's just you and him, and your parents aren't alive. That's threat. Does he have a wife or kids? No? Did he ever have a wife or

kids? Yeah, his wife passed some years ago. And what about any biological children? None? Oh, so then you are next in line. It sounds like, yeah, yeah, I just haven't gotten the I guess the papers, but no one names you. You name yourself. What do you mean, who are you waiting to name you? Well, apparently I need papers from the court saying okay, Reggie can get his bank account, saying no, that's not true at all, Reggie, Reggie, that's not

true at all. Nothing is going to happen automatically. Nothing, well, not that I was partamatically, but I've gone I'm in the probate process. I just think, oh, well, you didn't tell me that part. You said, here's what you do. First of all, you have a death certificate, right correct? How much does your brother have in his entire estate, let's say, pretty close to three quarters of a meal. Okay, then you go beyond the small affidavit. What you need to do is

file probate. Did you open probate? Yes? Did you do it longer with an attorney? An attorney and your attorneys should tell you this should only take a few months. I mean, so when was it opened? So last about three weeks ago? Okay, well, my god, this is going to be about two or three months. Okay. But my question is

this. His house is in a hot part of Denver, and so I've been contacted by i'll call them developer types where they say, you know, we'll offer you this, we'll clean the house out, missions, pay whatever. Uh. And so my question is, be beware of that man. Just but hold on, Reggie was aware, Reggie? What was your question? So? Should I get a real estate agent or go with the guys who are all? Right? Hold on? No? Will you never just go with people who call you and offer you stuff? But Reggie, hold

on a second. You don't have the power to do anything, right now. You understand that, right? I understand that? Yeah? Okay, So here's what you do. If you have a home. You call Frank durand the real estate man for an honest to God evaluation with no obligation whatsoever. Okay, and you say, Frank, I need to know what this is worth, either as a sale for the lot, for the redevelopment value, whatever, what is it worth, and then let him give you an

honest to God opinion. He won't charge you a dime. Then then if somebody wants to buy it, it's all about the money. But then I would have at least an attorney like Bradley O'Brien at O'Brien Legal Services. I would have Brad at least look over the paperwork to make sure that it's legal and you're not being screwed. And don't ever I'm going to tell you this right now, a blanket statement, don't ever finance it. Ever you have, I would say, you real, Frank list it man, I'd call

it Frank Duran and just have him deal with whoever. It doesn't matter if they're investment guys or the neighbors or who's true himself true, then he can handle it all. But what I meant, Mark was not that you don't do that, but first get an evaluation so you at least know the ballpark you're talking about hey, Reggie. And also here's another thing. Okay,

not to screw Frank out of anything, he's a great guy. But if Frank does an evaluation to say, you know what, Reggie, this is worth a million dollars and these guys are offering you a million, then Frank can help you with the transaction broker thing, or you can go to the attorney. There's no reason to pay a full commission on that if you're going to get what it's worth the only time, you know, I mean, he's just common sense. Now, what I'd like to know is what part

of town? I'm just curious Bonnie Bray. Wow, that is a hot part of town. So wow, what part? What part? You don't have to give me this street? What part? Oh? Near Mississippi and University? Okay, less so than if it was nearer to the Ellipses Park. But it's still a good area, really good area. That's almost like between wash Park and Bonnie Bray. Right, that's that's a good area. You don't want to be too close. You don't want to be too close

to University. And what size house? All around one thousand and twelve on a square feet So they want to knock it down. They want to screen it bild a three stories and make it beautiful, but that it's still worth a fortune. Man, Yep, yep, okay, So Reggie, start with Frank. You won't go wrong, I'm telling you, and then find out find out what it's worth. But watch out for these infillers because what they want to do is steal it from you. Okay, that's what they

want to do. I mean they want to make as much money as possible. What were you? Let me let me ask you. Did they offer you anything so far? Have you gotten any offers or did they give you a hint? Give me a hint? Five sixty five was the top so far? Five sixty five. I think, yeah, it could be not much more. But okay, that's not bad. That's not terrible because we're talking about a lot really, but it might be worth it a little more. It really depends on right where it is. But I don't want to

know that on the air. So thank you FRANKL for calling. Frank Duran will know everything. Frank durand the real estate man dot com three oh three nine two zero sixteen twenty two. Thank you. Okay, we got more coming up on the troubleshooter show go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for

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

five five. Deputy Bow called for Greg. He called Kia Grand Kia U REGs. It's very easy. I don't know Greg has a big case here. But here's what happened. He took us twenty fifteen Kia Soul one hundred and forty thousand miles to Grand Kia. It was losing power and he said he needed work on He said they said he needed work on the fuel injectors. He had suspected that it was the cat, but he said he'd go for the injectors because it was cheaper. After they did the work, he

still had the problem. They eventually said he needs a cat. Now he says, wait a minute, I want a credit for the work they did on the injectors. And I said, I'm not sure you're going to get all of that back, but it was overpriced for sure, according to our expert. Boe. What did they say. We're trying back. We're trying to get him back right now. Oh sorry, Well, okay, I'm not going to explain the whole thing when we get him back, but I'm

just wondering what the hell is going on with that case. Three h three seven one three eight two five five And we're happy to talk. Okay, bo we have them. Good them up there, go ahead, Bob, Hi Tom. They're able to call the Grand Kia and Thornton. Yeah, and they were a lot more responsive, good company, a lot better than dealing with Camping World. I can say that I was able to get a

hold of the light people. The service manager said that mister Greg did bring the car in and they did a diagnostic and they said there were no catalytic converter codes, but the number one cylinder was not firing, so that's why they did the injectors. But I told him the situation that about the catalytic converter, and Greg did go to some other leaderships to have it checked out. So but but but grand Key is the one that did his cat.

Just so you know, I don't think you had the Catalan converter, Don tom Oh, I'm sorry. I thought, okay, okay, because they quoted in four thousand dollars and there was extensive so Greg I might have misunderstood him. Then, Okay, now that he has to buy a cat, he wants credit for their injectors. What did they say? Okay, they were very nice about it. He said they were willing to split the difference and give greg an eight hundred and fifty dollars reef on on the bill for

the injectors. And well, that's really good. I thought that was very fair because apparently the number one showingder was not firing properly. And no, no, I think that's wonderful. Yump, for sure. I would say that deserves yep, for sure, that they get my dinger for sure, and they were able to. They called me right back and they're very responsive, and so I told Greg you could go up to the dealership with his credit card and they'll run him an eight hundred and fifty dollars credit today.

That's wonderful, man, Bo. Thank you very much for that, because that's pretty cool. That's better than nothing, right, and they were willing to compromise. Plus he had some work done anyway, so good, Thank you very much. And now we're going to go to another deputy Deputy Chopper. He called about next Gen. Now, now this is a little more complicated We've getting We've got a couple of calls plus some texts and other inquiries about next Gen. I don't know who next Gen is, but they do.

I guess Marvin Windows and Doors, and apparently they're doing a pretty piss poor installation of I can say pisspoor on the air, I think I can. And I said, just call over there and see what the hell's going on, Deputy Chopper. What do they say, Well, they are a window and door company that covers Colinill springs and fork columns. I called and

talked to their central dispatch. Well, first of all, I called Kendra and talked to her and saw what situation was on our sliding door and then I called next Gen and talked to Claudia, their head dispatcher, and worked out for Kendra to call them immediately and they will send a service person and give it another try. What we didn't get on the air was this is six months between when she said there was cold air coming through and now,

so there hasn't been a service call in six months. So I kind of was thinking that we should give them one more try and see what happens and Kendra will get back with me. I did confront her the dispatch. You're saying, are you having problems? You know, I don't know if she'd tell me the rain, but she says, no, no, we haven't heard anything. And I said, well we have, and I said I would suggest you listen to the show because we're getting problems on you and I

want to hold you to this and see what you do for Kenda. Yeah, it was Joe who bought Marvin Marvin Windows. He bought Infinity and uh that had him installed. Yeah, but that was two years ago, and he sent pictures they're leaking like hell. I mean, that's a bad, bad installation because they never really insulated around it. Right. It seems to be their problem that they're not insulating the problem way around or ceiling, insulating and ceiling. I think so if you get to talk to them, it

is the insulation and the ceiling. And I'm just putting a warning out there for people. If you deal with next Jen, the fact that we got two back to back and some others, I would not I would not be in a hurry to do business with them right now unless they get their installations in order. And you always hear it first here. Yeah, I agree with you, Tom Town. Can I say one other thing? Go ahead, sir uh grand Kia up there in North Glenn. I worked with them

twice. They've always been very receptive to helping the customer what we call good excellent and but that's what Bo just found out. And yes, I know there's something to be said about that. That they get back to us their cooperative and they help consumers. They're not jerks. That's good. I'm glad to hear that very much. Three oh three seven to one three talk seven

one three eight two five five Denverregen dot com. If you are looking for hair replacement as well as of course stem cell therapy and weight loss through compounded semiglutide or churzeppetide. They do all of that and they have a brand new process for hair regeneration. You want to know about Denverregion dot com. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay

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

two five to five, Melissa, what's going on with you? Melissa? What's happening? I think you had called before. I'm looking for your original call. Yes, I have, and what I'm looking at the okay, unemployment it was unemployment m h. You applied for unemployment benefits in February.

The state put altogether, they said, they put you on what was called an integrity hold, and they said there was some something was compromised, possibly, and she was told that everyone is put on a hole due to excessive fraud, and it was pending. So you found out what you were denied

completely? Yep. I think somebody's actually got taken my identity. Now why did they say you were They must have given you a reason for rejection junction, so I know it sounds like you're sipping on a grandpa's cough medicine. Now wait a minute, Melissa, did they give you actually something in writing? Did they give you something in writing? They have not sent me anything in writing at all. Nothing. Okay, how do you know you were

rejected? Then? They don't make phone calls. They don't. They don't do it by phone. So how do you know? I was on a computer, oh, online over the internet, and they said and when you went to your account, have no internet? So how am I supposed to do anything? So wait a minute. So you went online and it said that your claim was rejected? Mm hmm. Do you remember what the wording was? Did you download it? No? I No, I didn't.

I should have. How long have you been unemployed? Just January twenty fourth? What kind of work did you what kind of work I was. I was I was a security officer, like a guard or what I do security? Yeah, that's grant. Yeah all right, So and and are you approved for armed security work? No? I am not. Okay, and so rather not because of all that, I understand what kind of is going on? Okay, can you get that the delay? Get the delay and

then put her on hold? Thank you. Can we send this this Phil Spethart over there to see if he can look into it, Kachina, let's just do that, okay, sure? I can you imagine her guarding you with a gun? Well, no, she said, no, she doesn't. I think she's just distressed because she's out o work now. She's drunk as hell. She admitted it. She's not trunk, she admitted it. Did she just say that? Yeah? Yes, I said, you've been

sipping on Grandpa's cough medicine. She got may a little. Yeah. Hey, let me ask you, Kachina. You talked her off the air? Yes? Is she is? She kind of sloshed a little maybe, yes, Okay, she admitted it. Hmmm, Well, okay, she used to work with Hunter Biden. Here's the thing. Three h three seven one three talk seven one three A two five five. Now, hmm, Mark, you know what, yes, you know? I mean somebody calling in the show and they're a little nebriated. I don't care that much. But

when you it can be good radio. But when you show up for a job interviewed. Do you remember that time? Oh yes, Oh my god, that was some one you knew. We what do you mean you know him? We was okay, fine, you don't know anybody who drinks. No, I didn't know he was going to show up in Ebriad. It was it was It was scary. No, it was really embarrassed, Like, wait a minute, is this guy for real? He's coming to talk

to us about a job. Didn't he used to sell? Isn't he the guy that austin I don't want to identify anybody's but yeah, he is the guy we knew that would sell private blank blank yeah, yeah, well services you mean for you know. Here's the thing, though, Tom, you can't you can't drink all day if you start in the morning. What does that mean? I don't know. Someone on YouTube put it up. No, no, you can't drink all day if you start in the evening,

because all day would be starting in the morning. He put exactly, you can't drink all day if you don't start. That's right. Warning, Okay, he's right, that's right, that's exactly right. That's right. Let's talk to John and then I'll take a break real quick here John, what's going on? John, I'm playing by the landscaping issue. Tom. Okay, And does it involve your somebody you hired? Yes, okay, So what's the problem, Like, I'm going to come right back to you.

Is it that they didn't do the work or they did a terrible job. Now, they did the work, a great job, but never came back to replace the two dead plants that are worth about six hundred dollars, the two of them. Okay, hold on, I'll come right back to this. Though. It's basically like warranty work. We have more coming right up on the Troubleshooter Show. 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 Anturan check up free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens of insurance companies find out Now three all three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three three nine two zero sixteen twenty two. Hi Tom Martine here three O three seven to one three

talk. John said, they did a pretty good job with my landscaping. But they there's two plants guaranteed. I guess they're guaranteed right, they're dead and they won't come back and replacing them around six hundred bucks. What kind of plans and annibel hydrangea and so how long did they last? Well,

that's what happened Tom. That super snowstorm late April March uh split my three year old tree in half, and my landscape guy took a couple of branches off just because of the congestion, and recommended this guy to come and remove the tree, which he did professionally. And then the near to the base of this tree was I had a dead hydrange And he agreed to grind out the stump and came back to grind out the stump and he got most of stump out, but he couldn't get the rest of it. So we just

we what does this have to do with the two hydranges? That's where I'm going right now. So I then hired him then to replace the dead hydrange and to plant a new hydrangea in the spot where the old tree was. And so so I don't want the hydrangers from that nursery up in Alameda, that big wholesale place. Yeah, and he came back and he planted the two hydranges and they looked like they were dead. But this was end up end of March. So okay, so these are brand new plants. It

wasn't the ones that were hurt. The brand new plants. I said, I'm sending from Alameda Landscaping. And we've been talking ever since then about him coming Okay. Then he came out of the end of May to take a look at him and he agreed they were dead, and I agreed he'd be out in about a week. So he had continual dialogue since the end of May about him coming out. He hasn't been out yet. Uh, he doesn't answer myself. Oh wait, he did when he looked at them,

he agreed he needed to replace them. Well, yeah, and he said he do. He said he'd be out money with two new ones. Okay, so and you haven't talked to him since, but yeah, then I talked to him after that. Then he stopped returning my telephone calls. Then my wife caught him on her cell phone and he talked to her. He's

I'll be out money to take care of him. Never showed up. I then sent an email to his company's email addresses KC Tree Services, and I got a response back from Anika Thatcher saying he would be out to replace him. He then called Monday and said it's too hot, I'll be out Tuesday to replace them. And hasn't hasn't been out well without going through every miss that's it. That's the end of my story. So this is what I meant, was the guy simply he's never been back, he's not been well.

He came back to see him about the end of May. Has not been back to replace him, even though he said he'd be here Monday. After Monday, Well, this is going to be really easy if he's in business. I mean, you know, first he heads up, guy, he just doesn't follow through. What's the name of the landscaping company? KC Tree Services. Okay, KC Tree Services, I have their number, Okay,

hold on. I want to give this to one of our deputies to call and see if we can just get him to go out there before you file a small claim because the games plan on myself just brings them out. But but they're very they're big, tall manager, but I'm bet like three foot tall out out of the bucket. So there are two big, big plans. Oh plan on myself. He just brings them out here. Are they dead as a door nail? Are they not coming back? They were

different at that time you plan them. I think, all right now we should uh and the maid look at him and he brooke the branches off on the greed. They were completely dead. You'd replace them, okay. And and because I did hear a you know word? Okay, thank you. So anyway, here's the bottom line. I want to give this to Deputy Dock to call this guy, see if we can light a fire and get it done for him. Three O three seven one three eight two five five.

We're running out a time, Roger, what's going on? Oh? Hold on, Roger, can you hang on and we'll bring you up in the next hour. I'm Tom Martine. We have an hour to go. Oh I'm gonna try to get Roger on and anyone else. If you have a problem, question and complaining three oh three seven one three talk is our number and you can always call three oh three Martino. Remember the number twenty four to seven. It works for help, information and referrals. Three oh

three six two seven eight four six six. 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 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. You need advice who you don't have? Come running just as fast as we can. Shoot is gonna help coming Man Dix is the Troubleshooter Show. Now, Tom Martino, Hi, Tom Martino here, Welcome to the show. Three oh three seven one three Talk seven one three eight two five five. Welcome to the show. What can we do to help you? All you have to do is give us a call if you need help. Three oh three seven

one three Talks seven one three eight two five five. All right, So we have gotten calls over the years, I would say, of all kinds, but I don't think I've ever gotten this one ever. So I'm just curious, as we had. It's all about we have huh, we have gotten a call. It's pretty much the same. But I'm not going to ruin with this call. Is but they wanted a flight. We actually fell Wait wait, wait, wait, that was a flight mark. This is

not a flight, Roger, Roger, what do you need? Just Tom, I need a ride to Chicago. So I want to put it out to your listening audience and you can give that give out my number if you want, Because what I have is I have a tractor trailer and a storage place. So I either need to get a one way rental car or if somebody is heading toward Chicago or pass there or two there or anything. I will pay the entire fuel cost. May I just ask you something? First

of all, I have to ask the obvious question. Although the normal mode of luggage is a hefty bag. The buses run from here to Chicago, and can't you just buy a bus ticket? Yeah? I can't, but uh, I don't know how that would go with my I got a little chihuahua. Oh I know that would They seem to be kind of difficult. I don't. Okay, I don't know how they work on buses with chihuahuas or emotional support dogs. But have you tried? Okay, you could you?

You could always Mark? Okay, I want to see how smart you guys are. Right now? He could always use these lines. Word a minute. Listen, I am a hundred and six miles to Chicago. We got a full tank of gas, a half a pack of cigarettes, it's dark, and we're wearing sunglasses. Hit it Blues, Brothers, or how about this, We're on a mission from God. Okay, maybe that'll get you listen. So but wait, wait, wait, listen. In all

seriousness, fly frontier dot com. I just picked out six twenty four, which is a week or so from now, a one way ticket to Chicago from Denver. You're ready seventy? Wow? See that's pretty Roger. What do you need to get that. No really, and they'll let you bring that little rat dog. Yeah, they will. You put it in a little carrier. I have fun Southwest before him they put it. I put They wanted me to put him in a carrier. And the stewardess comes over and says, oh no, no, no, take him out of there.

Put him on your lap. He'll be fine. Yeah, when you're done. Yeah, as soon as you get him. As soon as you get airborne. They don't care. Listen, Roger, what do you need to get there for? I've got a tractor trailer and a storage I need uh oh, Denver. Okay, maybe there are truckers listening that'll give you a ride. Listen. We'll take your number in case somebody calls. But man, why wouldn't you go to Frontier? Yeah? I mean I could

do that now what I have done in the past. I just like go up to the airline and there's a forum you fell out for the FAA, and I just tell him he's a service animal. And looking at the laws on an eighty eight, there's only two questions they can ask you. Is it a service animal? Yes? Or no? What's his function? You don't need papers, don't need a vest. Technically you can train the dog yourself. Emotional otherwise you need all kinds of paperwork. If you say they're

service, no, no, emotional, they don't. They don't let on as much as don't they wait, there's a difference between service and emotional. Right, service would being you know, like the saying eye dog or something, a dog that's missed out, someone who may have epilepsy, you know, seizure or stuff like that. And emotional. Well, that all came up I guess after Yeah, yeah, emotional, but came up after after the I don't know what you call them, were born, the snowflakes.

I don't know what was the first year snowflakes were born. I don't really know what's the snowflake generation? The millennials? Are they? That's is that where the snowflakes started? Reason? Pretty much? Okay, Well, hey, you know what other kind of support animal you can have on an aircraft besides a dog? I'm manure horse? Damn right? Do they actually define it? Yep, that's it, man, one of the two. I wonder you know, I'm going to do something for the hell of it.

On if you just google miniature horse on a plane. They're everywhere. Okay, I just want to see something right now? Where in Chicago should I put here? For my I want to put Chicago? Okay, Oh, Harrington National Airport. I want to see. I want to see what my lift will cost. Hold on, they can't. They won't go out of state like that. Okay, here's what my lift will cost. Limited availability is they I'd have to do tomorrow at four am on no payment. Never

mind, they won't take it. They won't take it. Hey, wait a minute, Wait a minute, why are we even contemplating the real answer to this? This guy said he would pay for the fuel. You've been wanting to take a long flight? Connect the dots, brother, I'm not taking him in my helicopter. You're kidding me? Yeah? Well, first of all, oh my god, you were gonna fly to Hilton Head. I'm gonna do that just for fun, Mark, and why not trap this guy off in Chicago. But he doesn't sound like a load of lapse to

me. He doesn't sound like fun to me. I bet he can reach around the seat. He's a tractor trailer driver. That tells you right now. That tells you right now. He wear boots and a cowboy belt, you know, and has a flat ass. He probably knows some lot lizards. Man, I hate when my slip off the mother loving clutch. Yeah, do you do where? I don't know why you guys wear such uncomfortable belts and boots. Yeah, big old boots and big old belts in your

belly while you're driving. It's just I don't understand. Are you an over the road trucker? Oh? Yeah? And are you? Do you own your own tractor? Then? Right? Yeah? You know what? I can't tell you how many people have called this show over the years who wanted to be an owner operator and buy a tractor and got ripped off in the used tractor business. Boy, did they get bad trucks? What kind do you have? I've got a bobo, I got a sixteen and nineteen the

nineteen. I'm driving too under a load. I'm driving to Denver right now. I deliver tomorrow night and then I need to get over. You own both of those? You own both of those? Now? Isn't Volvo Evolvo? Is wasn't What did that used to be? What didn't they just get into that business? I tell people, do not do the lease programs? Yeah, a lot of tell you to have a leaf program. How much? Tell me did you buy your tractor new? No, I bought amused. How much do they run about? To say, four hundred and fifty

to five hundred thousand. I always can get it for about sixty thousand, sixty five thousand. Oh wow, that you can buy them with that many miles and the dealer will put an extended warranty. But wait a minute, how many miles will they go? Over? A million? Is holy crap? So new? What do those suckers cost? Evolvo? Oh? Shoot now, probably one forty one sixty okay, yes, wow, does yours have a sleeper? Oh yeah, double bounds? You know you can get

an Amtrak Denver to Chicago for under three hundred. Yeah, but why would you if you can take Frontier for seven? For some reason, he doesn't seem to like flying. Well, sometimes they give you a half. So the problem is if someone makes a sudden move or the way you know Stewardess is, you know, comes by, you know my but my dog also makes a noise like maybe I'll grow just a little. He did that once on a plight. I know he's not a service. I know he's not

a service animal. They don't. They won't do that. Hey, I think you're fifty bucks. I think frontier. Long as it fits in a carry on, you can usually pull it out once he's there. But if it fits under the seat and yours will they charge fifty bucks for the dog. You're one hundred and twenty bucks in man. I mean you're not gonna beat that less Martino steps up and flies you. I'd rather go that route. Tom, you could sleep. I don't think Tom, you know what

it is. I don't think Tom can fly you that far. He's used to flying just right around his local airport. He doesn't know how to plot out this stuff and that kind of craw That's true, right, I've taken I've taken trips all over the country, but I just don't. I just don't do it for uh, for grins. I do it for I mean, I don't do it just to bring somebody somewhere. I want to go on a fun trip where I can do something along the way. You know,

from here to chicago's boring. By the way I've flown to Chicago. I sleep. Yeah, fine, I don't go into the semi well. He's going down the interstate will land on top of this trailer. Yeah, a little touch and go. You need you need Tom. You need Tom Cruise for that Tom Cruise, Well buzz highway patrol. What kinds of fun? Okay, now listen to this. Okay, I'm gonna give you another cool I'm gonna give you another cool line. Ready, all right, let's

see where is it? They don't have my address? I falsified my renewal. I put down ten sixty West Addison. Anyway, that's Wrigley Field, get it? That's that was the Blues Brothers. Anyway. Apparently you guys never saw that movie, but it was a classic. Three oh three? How about this one? Did you get my cheese? Whiz boy? You remember that one? You don't remember that one? What about I'm going to catch that sucker if it's the last thing I ever do. Okay, anyway,

we got 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. Could comarison call compass insurance paying too much your coverage at dozens of insurance companies find out now three all three seven to seven to one. Help you'll think you're his only customer when you choose Frank durand the real estate man dot Com to list your home with

Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino here, I want to go right to Steve Moss. He's the one who uh, Steve's lucky. He does rock and roll, beer and man. Uh. He also does the theme song for the Martino show. Here We love and also does fun stuff up at the Colorado Speedway National Speedway, and he wants to talk about Father's Day stuff going on. Yeah, when is man? That's pretty soon Father's Day coming up? Steve tell us about it?

Yees, sir? How you doing, Tom? How you doing? Marko? Everybody else? Good? Great crew there. I want to start out first talking about somebody else I used. I didn't even know what was on your referral as I called the Best Way installation the other day. Yeah, they happen to have a last they haven't a They had a last second opening the next day and I really needed it done too. They went there and you know, you know something, they worked with my budget. They

did a great job. And here's the thing I was super impressed with. I'm picking your neck. They left my I did it in my martial arts studio. I teached martial arts Korean taekwondo, and that studio was cleaner when they left than when when they got there. You know, you know how most installations, anytime you get installation on anything, just horrible. You know, most most companies are horrible. But clean up. These people were very

impressive. That's really cool. Yeah, she does a great job. We've had her on the show from time to time, and really we get great reviews about her. We do. And Ken you recognized me. I was talking to him on the phone. He said, I know who you are you give away to? It's on the Tom Martino Show. Oh that's cool. So let's talk about what do we got going on? Okay, Well, first of all, I'm gonna give away some tickets. Uh you'll have to go to the race, you know, pay to get in and then

visit the Rock and Roll Brewery tent. I'm gonna give b I P ticket away to let's say ten people, okay, so they can call your show and sing the tree Farm. I gotta give my Tree Farm client some love. Okay. Anybody that say I don't care how bad they do. Anybody that calls in and and UH sings that tree Farm jingle, get their name

and number, give it to me and they'll be on the list. They visit the Rock and Roll Brewery tent that come Saturday night, not on Fathersday, on Saturday night, uh and visit me, and I'm gonna give them a free VI I p uh ticket good for this season? Any any race sea see what date? Visit U? Saturday? This Saturday? Okay, so this Saturday. And then they also have before go ahead, go ahead. They have day before Father's Day. Good. And they also have stuff

going on Father's Day. Right Father's Day. They have a monster truck race. I may be there for that. I'm not sure yet. But Saturday nights that where they need to go. And I have I have sixteen different beers. Mark. I want a challenge, Mark. He needs to try my Pineapple Pantstop Triple I pay and I ain't sounds delicious one of if not the best beer. If one of the if, I'll give it to him free. If it's the best beer I have ever brewed. Now, can

you can you actually taste the pineapple. It's here's a it's a pet peeve of mine. I'm really strict about it when I do flavored beers. First of all, I use pure I don't use flavoring, artificial flavoring, and I make it very subtle most of my flavored beers. If you didn't if I didn't tell them, they wouldn't know. But then once you know, once you know it's in there, Oh, I taste it. It's just accentuating it. It's not overtaking it. It's a pet peeve of mine.

You would never know, probably, but it's an amazing beer. We got sixteen different kinds. I got amazing new T shirts, a whole bunch of merchandise we're gonna be selling there. And then all right, now Rock and Roll Brewery, you got, you're gonna buy it. Colorado National Speedway concession. We're not gonna sell the beer ourselves. I'm gonna let the track make some money and you know, go ahead and take care of them, and we're gonna sell merchandise. Okay, So give you a coupon or a token

for discounts. All right. So here's what I want to tell them if they show up this Saturday and they were on the list. You're they're gonna get free VIP tickets and then what does that get them? Well, if a meet me at the tent, I'm gonna give him a VIP ticket. That's a VIP parking admission into the Rock and Roll Brewery, beer Garden, any race this season. Okay, they're gonna have that. It's gonna be one ticket for Okay, for the first ten people that do. Take what

you guys, what you guys have to do. What you guys see, we're having a bad connection. What we have to do right now is we have to get people to call in and sing a verse of the Rocky Mountain Tree Farm that he wrote, one of his more famous jingles. And then, no matter how good or bad you do, the first ten to do that will get you. Will take your name and number, and we will put you on the list for him. So I think, Steve, we

can do it tomorrow too. Every time they play it. We're not gonna get them, by the way, we're not gonna get them all on today probably, so you can do it tomorrow as well. During car Day, I'll have to remind people, so Kachina make sure we remind people tomorrow about this as well, and that's what we'll do. We have an update tomorrow on a twenty twenty three Dodge. It's it's not a good story, but

we're gonna have that update tomorrow too. And then also Jesse will be on the show from Colorado Springs, Honest Accurate Auto Jesse, and he went through one of these used cars for me that will be going to one of my families, Venezuelan families who got work and place to live and they're really thriving. And then and again, what I'm trying to do in my small part of the universe is help those who want to help themselves. And this family's

doing great. We have a few families we're helping and and this will be a car for him and well for his family as well, and they're gonna have everything done properly. So that's really a lot of fun that'll be happening tomorrow. And we'll also take calls on people who want to sing the Tree

Farm song along with today. If you want to sing it, we'll put you on a list, and then when you show up at Colorado National Speedway this weekend, you'll get tickets for a future race VIP tickets which have special parking and special privileges, so have some fun with that. Three oh three seven one three talk seven one three eight two five five. Okay, we got our first one that wants to sing. We're gonna do it. Then we'll take a break and we'll see how it sounds. Okay, doesn't matter

how it sounds. You still get tickets. So even Mark could get tickets. Oh please, but Mark, I'll give you tickets not to sing. Okay, let's go to Let's go to John, John, go ahead, you Jay got twenty five extra two thirty five five mile lift two the tree Farm. Nope, he missed a word. He's out. No, Actually, that's pretty dang good. Brop. He missed a word. He didn't matter. He's out, man matter because it doesn't matter, because you don't have to sing it. Well, you still get it. So really seriously,

give your name and your phone number to Kachina. We're going to pass that on to Steve for Saturday. Thank you for calling. We got more coming right up. Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Time for an insurance 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

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. Deani wants to sing or Deanne? I would? I think it's Deane. She wants to sing the song to get some VIP tickets for Saturday night.

Well, no, no, the tickets aren't for Saturday night. You go Saturday night for the fun and pick up the tickets at the beer at the UH Rock and Roll Beer Tent. But right now she wants to sing to qualify, and then we'll give the name her name and number two, and I'd like to dedicate her singing to King ga Rat on our YouTube station, King Garrat. Okay, well listen, we're not making judgments. By the way, on the singing, you automatically get to do it automatically, just

by singing. So go ahead, you take God want to five? Catch it? Two thirty five? Last three fall nailed it, got all the lyrics right, give them, give them that other guy's ticket that messed the lyrics up. So you get too, Hey, I like it is this a youngster? How old are you? Okay, you did a great job. How are you going to go to the show by yourself? You gonna hitchhike? Yeah? Good, there you go. Good. Okay, you

hitchhike. That's a good That's a very safe thing to do. And do you remember do you remember Saturday Had Live when they had Dan Ackroyd was marketing to kids. Oh god, I forget his character. Oh no. He would sell, hey, kids, here's a bag of broken glass. It's a lot of fun. You can make collaga you mean, we would go through it. And then he had different stuff that he would sell to kids, and he would say things like, hitchhike you're near a store or whatever.

Anyway, that's just a little sideline. I love old Saturday Night Lives were the best. They had the greatest humor in the world. It was sick, great humor anyway, it really it really was, man, I mean it, I mean and then it got well it's all right now. I mean they're pretty clever people, but I love there's nothing like a great comedian. I don't like angry comedians. I don't like angry ones or who are always trying to make a statement. I mean that could of fine.

I just don't want to. I don't look, I don't want to get into it right now. Okay. The ones who have to like, they I can't even think about. I've been watching them on Netflix. As soon as it happens, I turn them off because I don't want to hear one way or the other. I don't want to hear politics unless it's for everybody. I want to hear fun stuff. You know, I don't a lot of them take the take the opportunity to slam people. Okay, I'll tell you got angry before he died. I mean he was a g but he

got really, really, really really age. I know who you're gonna say, who, George Carlin. Yep, he got really angry. We saw him. We saw him at MGM in the first twenty minutes. Remember this is at MGM where his residence was h and all he did was bitch about MGM, and he was angry, but it was funny as hell. Yeah, it gets to a point where I don't know, it was like weird, to where it was uncomfortable. I mean he would talk about everybody he hates and what how about Sam Kennison. I saw him live. I liked

him. He was he's loud and he's uh, but he wasn't he's angry. I don't remember what he was angry about, though. Do you anything he was talking about? Come on, lady, you dumb it anyway? She I saw him at Sturgis. That was crazy, perfect crowd right before he right before he killed over it. Now, wait a minute, what did you ride up to Sturgis while we're talking? Guess? Come on, oh you went in your I flew and then yeah, and then Peter and those guys always ride up. Got it. Well, you had a Harley

for a while. I didn't know if you took it. No, I never wrote you know what, I had a Harley as a mistake. I mean, that's really what it was. I never even should have had one, kind of like a second wife. It was. Let me put it to you this way, as far as Harley's I was a little intimidated. I wasn't never comfortable and good at it never ever. Ever, you had a lot of little ones. No, I don't mean little, but you know you have liker like yeah, but no, you had a road bike

one time though at two fifty didn't you? I thought, well, I got it two fifty now, but I had no, I had a thousand, I had a crowd tracket. I had a hardly like bike. But mostly I'm getting some questions for Atlas CPA so and this is odd because we're just talking about this Eric. As far as filing, well, we were

talking about bookkeeping programs. One company wanted to know. Is there a bookkeeping program that can that actually files taxes where when you're done it actually can prepare taxes as opposed to having to go to turbo tax or something like that. Do you know of any integrated programs like that. No, Typically bookkeeping is completely separate from the tax filing. But bookkeeping can do if you take like do a quick books or something. Can they prepare balance sheets and stuff like

that? Sure, that's what they're for, is financial statements more okay for businesses. So you can if you keep your bookkeeping, your balance sheets, you can do your income statements. You can do your different kinds of stuff like that. Yeah, but you don't actually file with the book No, no, no, of course not now as far as bookkeeping, excuse me, filing taxes. This is my question. I heard that the IRS is

moving toward a system where it would be all electronic. They introduced a free experimental program, free which you're trying to expand as much as they can, but they're really limited in the kind of clients they can serve. So, Eric, when you file my taxes, you do them electronically or electronic. So there's what do you do with the heart They don't require any follow up with hard copy at all, no more. That's gone really, so would you say that that go ahead? Mark? Well? Why, I was

just commenting on what Eric said. I had no idea, almost like a for lack of a better words, a turbo tax. You're saying the IRS actually kind of has something similar. It's going to be their own website with the wouldn't that be the honest to god, I would find that to be the dumbest thing ever to use, right, unless you make literally zero Why is that? Do you think it will skew against you? Well? How many people are going to know certain things they can write off. How would

they even know? Like part of their home office could doesn't ask questions, does it go oops? Did you think of your home office? Now? Wait a minute. That is a good point. Whereas turbo tax will try to help you take advantage of all your write offs, right, it tries to make suggestions. Yeah, but Mark, this experimental program is going to be for real, simple situations, people with w twos and interests. I

don't think business people are going to migrate to it at all. God, Like you said, tax law is favored towards the self employed, so the irs is never gonna put out a system that lets you massage through your information, which you can do on your own. Tax law is favored for self employed completely. What do you mean by that? Because two person can't deduct anything against their wages, whereas a self employed person has a lot of flexibility. Oh, I get that a great And then then let's just think of

capital gains. Think of how many people just literally make money off capital gains and that's way lower than any income and a billion dollars. I'm gonna ask you a trust and Mark, what's the capital gains rate? Right now, I think it's twenty percent federal and then stay of Colorado, I think it's five. Okay, I'm talking short term. Yeah, No, that's long term. That's known. Short term is regularly what short term is regular income. Whatever your bracket is, that's what is that, right, Eric,

of course, short term is whatever your your regular rate is. And by the way, long term table gate it's fifty that's right. And by the way, you're both you're both you're both on, you're both wrong, and I'm gonna tell you why. Coming up. You've got more coming up. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free, no obligation. In comparison, call Compass insurance paying too much your coverage at dozens

of insurance companies find out now three oh three seven seven one help. You'll think you are his only customer when you choose Frank durand the Real Estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. All right, I'm Tom Martino, Eric Reinemerantles CTAs and advisors. And here's what I want to say, capital gains. We were joking about that. They were both kind of wrong. They said fifteen percent

or twenty percent. They're both right on fifteen and twenty percent, but I didn't realize this. You don't pay twenty percent capital gains until you make over four hundred fifty nine thousand, seven hundred and fifty dollars. And if you make then it's fifteen percent between forty one thousand, six hundred and the big four hundred fifty nine thousand, so it's fifteen. So most people pay fifteen percent, some people pay twenty percent. But Eric, there is also what

that is zero? Well, there's the zero level zero. So Mark, if you make under forty two thousand roughly, yeah, I see that. That's I mean, see I never have. I only found that out the other day. And I know why Mark or ninety thousand for a couple, So yeah, yeah, that Mark, that's ninety grand. So think about this. If a couple's making about ninety grand a year, or technically it's

about it's about eighty three or eighty three or eighty four. If you're making that or less and you sell your house, you have zero capital gains above that amount? Hey, or have you? Does that go for an IRA? Like, if someone's retired age seventy and has an IRA that's generating one hundred thousand dollars a year or I'm sorry, under ninety thousand dollars a year in revenue. Well, first of all, iras aren't tax they're tax deferred

anyway, and everything in an IRA comes out ordinary income. Everything nothing is capital And that was the question. So there's no capital gains coming out of an IRA. Any retire for any retirement plan, there are no capital gains. Guys. It's free up until when your income goes over collectively over that eighty five thousand. Then the fifteen percent kicks in. So it's all about

your other income. Like but still everything. There are people who have sold homes and had no capital or excuse me, or stocks or whatever, and they don't pay capital gains. That's right now. What was the other thing? You can plan it strategically for a year when you might have something. Okay, there's an additional tax mark I didn't even know about on top of capital gains. If you make too many capital gains go ahead, there's the

net investment income tax which came in a few years ago. It's three point eight percent that kicks in if you have an investment income over two hundred and fifty thousand dollars in a year. For think about that now, that's not too difficult to achieve with a big portfolio. So that's a total investment. Even if you don't pay cap gains. If you have income from your from your from your investment accounts, you pay an extra three point eight percent on

it. Do jeez. That came in a few years ago. Yeah, I just never thought of that because and you know what I'm thinking, Wow, I didn't know why they did. You know why they do this though? Why the capital gains is so much less? They want people investing in the coast. Of course, that was the whole idea. Is not to make it ordinary income. They wanted you to have the incentive to invest.

And by the way, I should mention that there is a move in government in some factions to remove all capital gains and in fact it goes worse than that mark. Do you know that there is a real move in Congress to tax on realized Now now can you happen? How the hell can it happen? If you have an unrealized gain and pay tax on it. What happens if when you go to sell that gain turned out to be not so much? Do it happen? Don't get nervous about it, because I don't even

think that would go through the Supreme Court. Man, how about an unrealized murder? Yeah, of course. Okay, we're out of time. I want to tell you about Atlas. They're great people still taking new clients. That's big and small. Atlasfirms dot com three O three seven nine to nine nine one. They're great for small businesses. Yeah, and don't forget to call three h three Martino twenty four to seven to get on the show.