The Troubleshooter 6-5-24

Yea d news need advice, so you don't have come run as fast as the cad Shooter's gonna help come. Man, This is the Troubleshooter Show now, Tom Martino, Martino here, Welcome to the show. Three oh three seven one three Talk is our number three all three seven one three eight two five five. Welcome to the show, the only show that's kind anywhere in the universe where we are solving problems. You know, I haven't done a tally recently for this year, but we're halfway through the year, aren't we.

Or we're gonna see Jenniferman aren't Yeah, at the end of this month anyway. So there have been several millions of dollars in cash, merchandise, exchanges, refunds and services as always, and we love when we do that because it can help people. So if you have a problem with any kind and you need help, give us a call. That's the important thing. Don't let it fester, don't let it sit there for a long time. And I have a guest to say I'll bring up in a second here about

home improvements. I love talking home improvements. Now, did you know that there is a move There is a move with companies to be politically correct and to be to brag about their diversity and commitment to inclusion and all that, which is all well and good. I mean, you would hope that just all of that stuff's natural and we all do it. But anyway, there's a big move on that, and there's nothing like highlighting our differences in everything

there is, because that seems to be what politics does. But in any case, I often wondered, as a consumer advocate to people care, do people shop based on how they feel the company fits into their life? And they're fullilosophy? What do you think? And we did some there's some analysis. Not we me, but this one research firm. They went out and interviewed thousands and thousands of adults to find out who buys what and why. I can do my own experiment. I have college some college guys in here

today with K and H home solutions their interns. That would be cool. I'm serious, that would be cool. Is there a microphone? Handy? Guys, don't expect me to remember your names. I'm just gonna call you A B and C. So I'll start with a Seriously, what school do you go to turn that on and off? When you talk. Yeah, just make sure. Okay, go ahead. So okay, yeah, I'm Olan, talk right into that, Nolan. Okay, you can do that. To school. I go to LSU and ban ruthe what do you still

I'm studying marketing, marketing? Can you hear my Ra Shannon? Okay? Now, oh, you are studying marketing. Pretty cool. Just point the mic to your mouth there, just moving. You can move it anywhere you want. I can do this all right. What do you really marketing? I'll imagine that's changed. I had marketing courses. What do you tell me what you have actually learned about marketing? Really? How? What year are you in? I'm going to be a senior next year? Oh cool?

So what have you learned? Have you learned anything really obvious? You must have, right? Yeah? I enjoy a lot of the advertising side of it, consumer behavior studying, like how to target markets and stuff like that. Sure have you gotten is college marketing? Now? When I was in college, obviously there was no digital marketing. Do you guys emphasize a lot

of digital? Yeah, that's a huge thing. I just took an entire class this last semester about online targeting, like search engine optimization, stuff like, now, do you have professors that know what the hell they're talking about? You think? You like that? Cool? So I want to you're excellent to ask do you think and I'm serious now, younger people, I wanted you to talk about the people you know and your people. You can give other observations, but do you make any purchases? Do you avoid or

like companies based on what you think their personality is? You do like if there are mean companies or nasty or good companies or friendly companies? So to you, companies do take on personalities? Yeah? I mean brand image is a really big like factor in Do you think it's a really big thing with people that you hang out with? Uh? Yeah? Was it really? Is it a really big thing in your marketing class? Uh? Yeah?

We talked about like brand image and having an identity a bunch now then talking like that, do you care about political stances of a company when they come out and see, let me just tell you where I stand. So I don't submarine you, I don't sneak attack you. I think corporations are too wide and vast and various and do not have the responsibility should not to take political stands and here's why. Who's going to take the stand? Is it the CEO, is at the board of directors, is it the management,

middle management, some of the employees. Well, that's a bunch of crap because it's made up of me and you, and liberals and conservatives and in betweens and people who don't care about politics. You know what it's made up of retirement accounts. Do you know? Most corporations are regular people. There's

very few top heavy people. They're regular people. What we do is we invest in a corporation and we put it in our four to one k or we want it to make money, and we don't give a rip what they think, except obviously, I personally do care about certain things I do like I don't personally invest in certain things like tobacco and certain things. That's just a personal thing. But I don't care about their political or philosophical stances.

And I think it's disingenuous for someone in a corporation to come out and take a stand. They're not speaking for the stockholders. Those stockholders are varied across the country. Now, I'm not expecting you to agree with me, by the way, but I wanted to let you know where I stand before I start asking these questions, so I don't bait you. So I'm thinking, I think me it's immoral, and I mean immoral in a sense that you

are you are not carrying the best interests of your corporation. Your corporation should make money. I don't think it should take a social stand. I just don't think it will should unless it's in the business of taking social stands. Like you are a company that makes you know, memes and things or T shirts and you take stand you're one of those companies. Again, I want to know, do you when you say you personally choose companies based on brand?

What goes behind that decision? You know? Me, personally, I don't make a lot of decisions based off of politics. But okay, a lot of my friends and people I associate with have stronger political views than I do, and they will they will or do they make a choice? Well? Are there certain cars they wouldn't buy because of the company? Are there certain clothing they wouldn't buy, or there's certain products they wouldn't buy because of a company? Yeah? Well, I mean a lot of it is with

my age group. It's just trends and so you don't. But it's a product trend or company trend, a company trend for sure, because like let's say, super popular brands like Nike, Lululemons. Yeah, you just buy it because your peers have it. You don't buy it because you research what they're into. And so you just like the companies because of the brand.

Okay. So when a company comes out and says we are for diversity and inclusion and and and and we are combating our carbon footprint, we're helping with with climate change and all of that doesn't make a difference to you when it actually comes to shopping me personally, no, But I think what that does is that it empowers one group and it turns another group off. So it's you're very smart, does guys real quick in the middle? Real quick?

Now? Number B. He's actually the owner's son. I should know his name, but Amy, Yeah, my name is Canaan Caanan. Go ahead. What do you think about marketing and what no companies and brands? What do you think buying decisions? To be honest, I don't. I don't really think about it too much. Okay. I agree with what he was saying about trends and stuff like that. It's just the brand or the product. Yeah, you don't think about the company, the management, what they

believe in. Uh No, I don't even I don't really hear too much about that, okay. With I mean there's certain companies I don't know if I should say, but go ahead, Like I've heard people talk about and like some people don't want to eat Chick fil A for whatever their beliefs are, okay, and stuff like that. But no, I've heard that too. Yeah, but I've even heard that said about Tesla and Elon Musk. Yeah for sure. But me personally, I don't think too much about it,

Okay, Yeah, is it? Okay? So when you do buy and you do shop, you just go buy trends. Yeah, trends are just like what I personally think is like a good quality product. Okay. Disquality matter to you, Yeah, I think like I really like he brought up Nike. I really like Nike. I think they make all like whatever I buy from them is always a good quality piece of clothing or stuff like

that. Okay. So if I'm gonna spend a lot of money on something because it is expensive, I know it's gonna be good quality and it'll last a long time. Let's go to C, A, B and C here. I'm sorry, guys, I'll get your name straight. Go ahead. It was Josh. And for the thing that they were talking about, brand image for me does actually matter. Maybe not political stance, but brand images,

like give me an example. I don't know if I can give an example for an actual company off the top of my head, but let's just say Blizzard. Blizzard's a gaming company that they had a huge scandal a while back about them harassing female employees. Okay, and that bothers you, right, and I completely stop purchasing. Okay, So it does matter they're they're kind of philosophy or what they let or what they let pass or okay, because that's been going on I Blizzard apparently for many, many many years.

Okay, Now, what about political stance? Then you don't you care more about real issues like like like how people are treated and all of that, But what about the political stance if somebody takes a political stance. Me personally, I'm not big into politics yet. I am nineteen, so politics don't have a very really big impact in my life. Maybe in the future I will, but as of right now, no, Okay, it doesn't.

And so when you buy something, it's based on either the merchandise or like you said, in that one company they had a reputation for harassing females. It's based on quality and just the company's reputation overall. Okay, cool, that's very good. Now I'm going to go to the calls. I have to take this break. So this question on real estate, get me primed here to Steve and I'll answer. What is it about? Are you there, Steve? Yes? I am okay. What is your question on real

estate? Ten thirty one exchanges? Got it? Can you hold on with that? That's a big topic, and I'll give you the right information. Coming up, I'm Tom Martino. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three O three,

seven to seven to one help. You'll think you're his only customer. When you choose Frank durand the real estate Man dot com to list your home with Remax alliance three oh three nine two zero sixteen twenty two. Hey Tom Martino here three oh three seven one three talk three oh three seven one three two five five. Steve wants Stephen wantson O or Steve wants to know about a

ten thirty one tax free exchange. It's actually a text deferred exchange. But you take your gains from one piece of property, put it in a like piece of property. Your basis then is adjusted on that new property, and you carry your gain forward. So let's talk about it, Steve, what would you like to know? Well, in two thousand and nine, my wife and I purchased a rebuilt home and we did it mainly because we moved

our son into it, so it was an income property. Right, No, if we bought it and he moved in it, and that's pretty much that and he's still in it. But so you didn't declare it as a residence though, right, it's not a residence, is that right? It's not a primary residence, now, is it? Do you call it a secondary residence? This is important, I'm asking for a reason. Yeah. No, we've really never declared anything name Okay, good, keep going.

Then we've never profited from it and we just maintained it, you know, normal stuff. But anyway, we are in the process of moving to another county and we would very much like to be able to exchange that property that my son lives in, or a like property in that county. Yeah, but when you say it like property, you're moving your primary residence to another county. Is that what you're saying. You're selling your primary residence, right,

that's correct. So you want to sell your primary residence, plus you want to sell this the secondary home, and you want to take all of that money and buy a new home. Well, no, we want to buy two homes. Okay, that's what I need to know. So you're selling your home and buying another primary home. Then you want to take your son, then you want to sell that home and buy another second home. That's correct, right, because with your primary residence, you don't have to

do any exchange. You get five hundred thousand dollars exclusion with your wife and you. So on the secondary home, you don't. On the secondary home, you don't get any exclusion. And it might be deemed unfortunately an income property, whether you made income or not. Let me explain that if you have a secondary property and you don't treat it as a primary residence or you

don't treat it as a vacation residence. There's a possibility there will be an imputed depreciation when you sell it, meaning that even though you did not take depreciation, it's imputed and your basis goes down anyway. Okay, so there's that possibility. I'm not sure though, if you never took a dime and your son lived in it. I had never had this situation come up where where you know, there are people who had a rental and never took depreciation

and thought they had a higher basis and they didn't. But no matter what, you can the quick answer is that's very easy. No matter what your basis is, you can do a ten thirty one yes into a second home. It's better, though, to declare that a rental, whether you get money on it or not. I mean it because otherwise you can't buy another house. I mean, it's got to be like for like, and you

don't get to have two residences. Your wife can have one and you can have one, or you can have one and then the other one must be a income property. If it's a vacation home, you don't get any capital gains treatment. So and it's not a vacation home, so make it an income property. You don't have to claim income. But that's what it will be now. The only so you're going to have a lower basis on this house because how long have you owned it? Since? Nine? My god?

You so you have ten years of depreciation. You're going to have a very low basis. We may want to get my accountant on. I might be telling you that you need to take depreciation when you don't. But I know one thing for sure. It can't be a resident. It can't be a residence at all because you can't have two and you can't ten thirty one into another house. You can ten thirty one like for like. So let's

just find out the best way to do that. And you know, ka China, I don't know why after all these years and I have people call in all the time. I used to have a ten thirty one expert. Did we ever keep the name of anyone We've had people call in to say I'm a ten thirty one expert. Have we ever kept any of those names? I'm not sure, but I can't. I think I got one. You got oh Mark, Well, I thank you for chiming in, bro I mean I think that that would be good. If we don't have a

ten thirty one expert. Yeah, hold tight, I'll find him, all right, And if he doesn't find him, just on the off chance, then let's get our accountant on one of our accountants on three oh three seven one three A two five five. So hang on and we'll come back to you and get you an exact answer. But here's how ten thirty one works, Steve. You can do it. You can identify the house and then sell your house, or you can sell your house and then identify the house.

You don't have to do it simultaneously. You just have to get an intermediary to do it. Does that make sense? Yeah, and that's what my next question would be, is you have a referral for now? I don't have. I used to have a qualified mediary, I intermediary or whatever they call it, a ten thirty one media. Let's see what do they call them? It a ten thirty one brokeer I used to call them. But whatever, you have to have one to do it an well, you

don't, but you would be insane not to. They know how to do it. They know the ins and outs, They take possession, They then make the trade, because that's really what you're doing. You're making a trade right, and the intermediary handles it. They take possession of one, then you take, and then they swap it for the other. So why don't you hold on and we'll get you some answers on that specifically three oh three seven one three talk three oh three seven one three eight 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 compares and 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 Martine here three ol three seven one three talk seven one three eight two five five Waterpros dot net. Water Pros the best water systems ever in your home at your kitchens sake. Fourteen hundred dollars for the best drinking water in the world three oh three eight six two five five five four. If you think about your body supplements, health, exercise, you gotta think about water

waterpros dot Net. Hey, let's talk. Okay, we have Claudine. She has a follow up. Claudine has a twenty eighteen Cadillac XT five. She took it to the dealer with an AC problem and they said the thermostat was stuck open. Charged for eighteen hundred bucks. So she later on talked to someone who said I could have saved you four hundred bucks, and I told her, you really can't do stuff like that. I mean, you can, but there's not much we can do about the original shop that charged

her four hundred dollars. More. Now, there's something called unconscionability. Let's say that she went to a guy and he charged her six grand and it should have been six dollars. I mean, obviously the common man would say that's unconscionable, but we're this guy tells her after the fact, well, I would have saved you four hundred dollars, I said, Clouding. There's not much we can do, and I don't even recall that we took this on as a problem, nor did we contact them. But you're calling us

with a follow up. What's going on, Claudine, Let me bring you up here. I'm sorry, it's my fault. Go ahead, Claudine, Sorry, go ahead. Hi Tom. I contacted the a Cadillac dealer in Colorado Springs, the one that did the work, Yeah, the one that was a little high price. Yes, yes, yes, And I told him about the Cadillac dealer in Greeley, where I live. I had talked to them. Yeah, okay, So I talked to the manager there at

Red Nooland in Colorado Springs. He said he would check it out and call me back, which he did, and he had contacted the Cadillac dealer in Greeley. And then he notified me that that Colorado Springs charges quite a bit more per hour for labor because of the location. And he did get down

to the baseline that they did overcharge me for labor. Well, when he said overcharge you, I thought he just said though they charged normally more in Colorado Springs, right, they do, They do charge quite a bit more. Did he charge Did he say he charged you more than they usually charge or just overcharged compare to Greeley. He just said that they checked their records and they charged too many hours. Oh wow, okay, wow, okay, so they are going to send me as substantial refund. That is wonderful.

How much four hundred and seventy three dollars exactly what you thought now, so this is very interesting. He said, we have a higher labor rate, and of course everyone can charge whatever labor rate they want, but he was honest enough to say it wasn't the labor rate that was wrong. We charged you too many hours. Yes, that's very that's very good that you took that into your own hands to do that. Claudine. Yes, and I'm glad he was very honest with me. Yeah, and I'm glad you

did that despite what I said, because I never thought of that. I thought about, oh yeah, people charge different stuff, they can. I never even dreamed it would have been an error literally charging more. But that's good that you checked. It's good you saw a discrepancy and you checked. And Claudine, Yeah, my hat's off to you on that one. That's very good. Thank you. Yep, we got a dinger, but it's not my dinger. We'd have to give that dinger to someone else, Thank

you, Shannon. I however, that dinger is I don't deserve at this point three to zero three seven one three talk seven one three A two five five. Yeah, Mark, did you come up with a ten thirty one person? Yeah. I'm waiting for the CEO to call back. We had him on a little I don't know a while. Back to company is ten thirty one X. They're all over the country. Okay, good owner or CEO as Sean. I should be hearing from him pretty soon and we'll get them up good. Meanwhile, I have Ed. Ed's a good guy.

I've known him for years. Ed Tomlinson. He's a real estate broker in town. And and uh, Ed, you have a comment. What's your comment on the ten thirty one I do. I don't know if you're familiar with ten thirty one DST. DST stands for Delaware Statuary. Well, what would what would Delaware Statuary whatever have to do with us? Here? You can ten thirty one into that and it's similar to a RITS that it's private.

Really wait wait, wait, so you ten thirty one into a company out of Delaware that is crit and then what do they do they do, big buildings, apartment buildings, everything that rits do except what's private. Now, once you take but once you trade into it, you own part of a rate. Yeah, well a private yes, but then that doesn't get

you the money to use for another house though. No. No, So if you've got a bunch of rentals, oh, I see, if you're not, If you're not interested in buying something else, if you're simply interested in reaping some of your money and reinvesting it, you can reinvest it into a rate and defer your gain, is what you're saying. Not a DST A read is not legal for ten one? Oh satuary trust a statuary Okay, very interesting, never heard of that before. Wow, I know that's

why I call Delaware Statutory Trust about it. That's very cool. Trust. I'm going to ask the other guy about it. That's very cool. Thank you. There's some there's some requirements. Some of them require a million dollars net worth, some of the require two mil. But it's it's just like a rip. You know why they require that, right? It's very simple because they're they're doing the qualified uh investor, the qualified client versus an accredited

investor. Probably they need to make sure you're qualified. It's not open to just anyone. That's probably why they're doing I think about twenty five thousand, fifty thousand, a couple hundred. It's one has different options for you. Okay, do you know people? Do you know people have done this? Ed hmm no, okay, it's too new for me. All right, thank you very much. I appreciate that. Three three seven one three talk seven on three eight two five five? Fran what's happening? Fran? Hi?

Tom? How are you good? What's going on with you today? Okay? Well, my son owns a condo and he's like the middle condo. There's someone above him, someone below him. His tub is draining very very slow, or not draining at all. He had a plumber come out. They snaked it. They could only get so far that they didn't get like any hair, youngk or you know, gunk out of his tub when they snaked it. So the guy said, well, you're probably gonna have

to remove your tub and then we'll have to go from there. We're concerned that the problem is not even with him, but it has something to do in the condo building. Yeah, that's probably that's probably true. It's in fact, it's most assuredly that because here's why. In a condo what you have are very small service lines. A service line means the line exclusive to the condo. The line exclusive to a condo can't be any longer than the condo. I mean, it's a very short line. Everything else is a

common line. The problem you're going to have, And in fact, they should have restrictions on snaking drains in a condo because you can screw it up and then you'd be responsible for it. But if they're letting you do it, there's nothing wrong with exploding it. However, if you have a problem with a common line, the problem you're going to have is getting the HOA to do anything about it, because they just don't want to spend money, right, I don't know what to tell him. Well, here's what I

want to tell him. Here's what you do. First, have them go and do his service line, and then if after they get to the common line it doesn't work, then he'll have something to tell the HOA. And then if it is the service line, one of the common excuse me. If it is one of the common lines, then other condos have to be feeling it. It can't do is he you said have him? What's that? Who is he? You said? Have him by her son? Okay, like have a plumber? Do what you mean? Like most anybody on

referral list isn't going to go out there. I just wanted to get that out there before you said that and tell tell them why Mark, Well, because they can screw up that main line exactly exactly. It's very difficult to get people to work on stuff in a condo beyond the walls of that condo. Okay, Mark, they would do a local snake right there, but they will go and plumb line for example, or fix it. Will not go into a commercial building. Yeah, I'm not saying no one on referral

list. There might be somebody Master Rooter might because they do commercial as well, but they might not do condo. Did you call did your son call the HOA or the management company and report this? I don't know. Okay, that's what you do first. Here's what I do first time. I do something different. What I'd pour some freaking draino down there, That's one thing. Yeah, liquid plumber. I a gallon of it down there. I love it now. Now now listen, I'm serious when I tell you

this. I love liquid plumber. I love it. It works, I love it. But you gotta let it's set and then and then repeat it. And because you let it set for like fifteen to twenty minutes and hit it with hot, hot water, I'll tell him to keep trying now, now hold on though. If that doesn't, never not him. It's something else and it's just too expended. Let me ask you this, are other

Are other areas draining slowly? If he had a problem with the dishwasher at one point and they were able to get that cleaned out, Yeah, the dishwasher is a whole difference. That's a whole different thing. What about the toilet, you know, are you having problems? And he said no, Then I don't think. I think it's local with the tub, That's what I think. I think it's hair and gook and all that crap. And

I think Marks Wright with that liquid stuff. Have him try that. But then before you do any snaking, you contact your your hoa management company. Go with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay a cent, 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. Hi Tom Martinez here three oh three seven one

three talks seven one three A two five five eighty eight. Heating dot Com has the risk free service fee twenty eight bucks to service one item in your home, whether it's plumbing or heating or cooling or your whatever, anything electrical, and they'll come out and service at your your panel, your toilet, your water heater with a flush or whatever. And then if you need more work done, they credit you the twenty eight bucks. That's that's how it

works. It's that easy and they're great people. Eight eight eight Heating dot Com. Okay, so Josh has an issue with a neighbor. We also have kN h in the house. We haven't gotten to yet, but some very interesting things in the window business, like crazy stuff. And I love when you get a local company like the I call it the oldest home improvement company in Colorado that I know. And then you have an old established window maker going into the residential world, and then you have them team up.

That's cool, Josh, what's happening with you? Josh? Welcome. Our number, by the way is three oh three seven to one three talk seven one three eight two five five, or of course you can always call it three oh three Martino. Hey, Josh, what's happening? Hey, tom So, I share my very back sense with a city property where they store like the snowploud trucks and everything in the service vehicle. It's called the yard.

Yeah. And so today, in about three weeks ago, because I worked from home a couple of days during the week, I noticed them in the back burnings stuff. And when I peeked over the fence and saw it, it looked like they were burning old like police evidence. It was brown paper sacks with red tape on them that they were throwing into an incinerator. And you know, the smoke with the wind was going all over the place

at times, walking over our house. And I hope not, but I am a little bit concerned if they are burning drugs or possibly clothing, you know what kind of stuff you know they're letting out, right, that's kind of crazy, Like it's just an open kind of fires at a sealed incinerator. What is it? I mean, from the outside, it almost looked like a fifty gallon a little bit larger than a fifty gallon metal barrel on,

you know, like a cart type thing. And they were, you know, it looked like they were feeding it with wood, but you know, it almost sounded like a very muted, quiet jet engine for a better part of two or three hours. And they had these browns, these brown packages with tape on them, like obviously wrap that. Yeah, that looked like I mean, there were brown paper bags with red tape over them that, in my experience, are very commonly used for evidence at police departments.

And what city is this? But wheat Ridge, did you just call and ask I haven't it just happened today? And I turned on the show and I thought, man, I'll tell you what, I would be really curious if you don't get any answers call us back, but just call them and say, what the hell are you burning? Back? There was it was there any kind of a particular foul smell or anything, or you just suspecting it. I noticed it a couple of times, but the wind direction was

changed. It was quite variable, so you know it wasn't all the time blowing, would you though, Josh, we will keep track of this call. I'm going to write it down. I really want you to call me back. In fact, during this show, if you can call him and just ask him in a friendly way. I'm curious what you are burning. Give me an idea and then call me back. We'll investigate it. If you don't get the answers, I'm Tom Martino. We have more coming up.

Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. 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. Ripped News. You don't have to run anxious as fast as the kid shoots. Good the help coming man. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino, your Troubleshooter. Welcome to the show. Three all three seven one three talks seven one three eight two five five. So Steve called in earlier and said I have a house I wanted ten thirty one the house. We had to get an expert on Mark called these people ten thirty one x dot com and we're going to

talk to Steve from that company. Just a little thing about a ten thirty one. Really, what it is is just a way to differn to fur tax gain. What you do is you take your capital gains instead of realizing them and paying tax on them. If you make a profit on a piece of real estate, a ten thirty one allows you to trade that real estate into another piece of property where you transfer the gain into that next property and you accumulate gain until you eventually sell it and then you pay your taxes.

So that Steve wants to know about this house. And before we we got both, Steve Steve the caller and I'm just gonna call him mister hitcocks, so we don't get them confused, Hitcocks is with ten thirty one x exchange. Mister Hitcocks, I want to ask a question real quick on a ten thirty one? Can you can you first of all tell us what does it mean like for like In other words, you can't trade an airplane for a piece of real estate. You can't trade I don't know, can you trade

a factory for a residential house? Or what is like for like? Well, the tax coach says this, in order to qualify for a ten thirty one, both the relinquished property and the replacement property must both be either held for investment or used in business. But other than that, all real estate isfe kind to all other real estate as long as that qualified use test is

met, held for investment, or used in trader business. Okay, So that's the sixty four thousand dollars question with him because he has this house, and I don't think it's a big argument. I don't think it's a hard argument to make. It's held for investment, but it's not really a rental. His son lives in it, he and so is that considered an investment prior he bought a house? His son lives in it, So that is

would you call that an investment property? I would right. Well, here's the thing, and that is the best evidence of whether a property is held for investment is how you have treated it. How have you treated it on your past tax returns. So if he has put it on his tax return on his Schedule E and shown it on his Schedule E, that kind of

concludes that it's held for investment. On the other hand, if he has never shown this on his tax return because his son has been living in it, and he's never shown it on a tax return for any reason, then that makes it a harder case to prove that it's held for investment. Now I suspected something like that, So I want to ask that I want to clarify this further. If he has a home and his son lives in it, can he claim it on Schedule E even if he does not collect rent.

Yes, one more thing, and that is again, the easiest way to prove that something is held for investment is you have it on your tax return and you collect rent. Then it's proof positive that you're holding for it for investment. Remember, it's always the burden of proof is always on the taxpayer to prove in this case that the property is held for investment, so the taxpayer has that burden when the issue arises, did you hold this for investment or not? And that it's it's based on as usual, all the

facts and circumstances. Okay, Now what about this then? If he has the house, his son lives in it, and he's never depreciated it does does Schedule E demand depreciation? Well, the tax code demands depreciation, That's what I meant. Yeah, okay, and improve and improved property that you're holding for investment. Taking depreciation is actually demanded for right. A lot of people don't realize that and explain what that means if you don't do it.

Well, it means that that it will be imputed to you. When you sell the property. The irs will treat it as if you had taken depreciation even you have it, So your tax liability will be based on a reduced basis. As you take depreciation. Of course, your right basis goes down every year, and they will presume that you did take it, and your basis will be treated as having been reduced every year. Now let's talk about this then. Is it too late for someone who's had a home, Well,

no, my god, he's had it for so long. But let's say this, Let's say you've had it a few years, would it be would it be considered improper to do an amended return and say, oh, I meant to call this an investment property. You know, first of all, amending tax returns is the IRIS doesn't respond very quickly. When you file an amended return. You can't file it electronically. You have to file it in paperwork form. And the IRS just is not really very well equipped to

handle amended returns. Yes, I do handle amended returns, but they're not very good at it. So if you're finally amended return, don't think that you're immediately going to get the IRS's attention by having done that. Okay, but and and let's talk to Steve. And Steve, since two thousand and nine has your son lived there? That's correct? So basically, you know, eleven, twelve, whatever years, and you've never you've never received a diamond rent, right right? And did you put it on your tax return?

No, Steve, I'm telling you that's a that's a tough one. What do you think as far as calling it a trying to do a ten thirty one right now. You know, I'm not sure you know, I'm looking at it from the standpoint of I'm just trading or trading up for trading down to another home in a different county. But it doesn't work that way. It doesn't work that way, Steve. I mean that's what you look at it. But the irony the government has codes. I mean, we

might look at it any way we want. I look at my salary as being a gift, but it's not. It's income. So Steve, really all joking aside, It doesn't matter what you think of it is you know, Steve, is that blunt enoughocks? You mean, yes, I'm mister hitcock. Sorry, yes, yes. And keep in mind though that if you if you do a ten thirty one exchange and it gets challenged by the IRS, you're going to have to pay the taxes that you otherwise would have

had to pay anyway. Plus in this case, you're certainly not going to be penalized for doing this, So you would be required to pay the taxes that you otherwise would have had to pay this transaction, plus the IRS interest rate on those unpaid taxes. So that's the risk that you're taking here. It's not an enormous risk. It's just taxes. Yeah, yeah, I see what you're saying. So do you have people Steve often that well meant not often, But do you have people that do it and say, let's

take a flyer and see what happens. Well, you can see the definition of health or investment can fade into various shades of gray. So every taxpayer has a different risk profile that they're willing to take. Some taxpayers are like, gosh, I don't want to mess with the RS under any circumstances, and others say, tee, this is a closer call than I thought. Maybe I'll go for it. And all we try to do is discuss with the client what those text risks are, and ultimately the call is THEIRS.

Well, let me ask you that our ten thirty one's one of the red flag things that might trigger an audit. Honestly, no, So what are he's saying, Steve of Steve, Now Steve, not mister Hickock's but Steve the consumer. What I hear Hitcock saying is hey, you can go for it. What the hell I mean? If it's challenged, then you pay the tax and you pay the that's interest it's not like you're trying to cheat anyone. And Steve, I'll bet you your original purpose for buying a house

was, hey, we can get an investment property. It's going to grow in value, and then while we're keeping it, our son can live in it. Wasn't that really your primary goal? Absolutely? Yeah, I mean, you know, I don't think that's a hard argument to make. But you remember, now that house will be considered depreciated by twelve years or however many years, thirteen, fourteen, whatever, it's going to be considered depreciated. Do you understand that? Yeah? I understand. So how much is

the house? How much did you buy the house for? I think one hundred and ten thousand or something like that. Okay, so what is your house worth now? Probably four hundred maybe four five? So now you understand you're not going to downsize here, right right? I understand that. So you're going to have approximately three hundred thousand or more in gain to defer just my rough calculation, right, And how does that work? Then? Hitcocks, mister Hitcocks, how does that work? Well, I'm just doing the

numbers in my head right now. Tom, And so if he held it for twelve years, and he paid one hundred and ten for it. I'm going to assign tens of the land and one hundred to the house. Yeah, meaning he started with a depreciable basis of one hundred thousand, and the depreciation on that is twenty seven and a half years. I'm just going to use twenty five and say that his depreciation should have been four thousand dollars a year times twelve years forty eight thousand. I know that was fast, but

yeah, and so it's right what I said. His gain is going to be right around what I said, probably right, just roughly plus another forty eight thousand the recapture recapture, okay that year, You're right, you got to recapture, right, okay? Okay. So in other words, have you identified any houses Steve in the new County? Yes? How much? Are they? Right around? Four hundred? Okay? So you if you transfer the gain into the new house, you then understand the new house's game

goes bases his way down right, right. So this sounds doable, right, mister Hitcox. I would say it's doable. And there's another thing that helps here. That is when you report a ten thirty one exchange on your tax return, you show how much gain you're deferring. That's part of the report, is how much gain am I not paying tax on? Right? And if he plugs in the reduced basis and takes the depreciation in essence on the reporting form to report the exchange, that will enhance his claim that this

is held for investment when he actually reports the exchange. Okay, Now on, mister Hitcox, do you have an office in Denver? Yeah, it's on East Hampton. Okay, Steve, let me give you his number. I mean, these guys are good man. We had on the show before. It's the website is ten thirty one x dot com. Yeah, and here's his number. You're ready to take it down? Steve h eight eight eight eight nine to nine ten thirty one. Isn't that nice? Eight eight

eight eight nine ten thirty one? Steve? You know what Katschina? Would you make sure? Let's let's get him on the show one day. Okay, let's do that. That would be Are you if you're around, I would love to have you on the show one day. That would be cool. Just come in and talk about exchanges. Now, do you do more than just real estate? Exchanges, well, after Donald Trump changed the tax law. I mean I'm giving a Dowitch credit there perhaps or or blame.

Yeah, it used to be that other tangible personal property who was exchangeable. But after the tax co changes under that happened under Donald Trump, the only thing that is now exchangeable ten thirty one exchangeable is real estate. Oh okay, okay, well that takes the fun out of it. Okay, but okay, so really, then when you dispose of business property, like I'm not saying that everyone's going to worry about this, but a jet or a

yacht, you're going to pay on that. You can buy another one that will off set some of it, but I mean you're going to pay on it. That's right. We used to do airplane exchanges. We did fishing trawlers, we did classic cars, we did all sorts of other exchanges before the tax code changed about five years ago. But now it's just real estate, which has always been the dominant part of our business. Thank you very much, and we got more coming up. I'm Tom Martineo. 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 comp Us 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 three O three seven to one three talk Compass Insurance Group. We'll do free insurance checkups three oh three nine nine six nine thousand. That means if you're wondering if you're over insured, under insured, not paying or paying too much, you gotta call them, especially now with where insurance is three oh three nine nine six nine thousand. All right, So, uh, we have K and H here, and

I wanted to ask about Alpin windows. So Michael's with us from K and H Home Solutions, And I say K and H Michael Bernstein is the oldest home improvement company in Colorado. Because I can't think of many or sixty five years, sixty eight years, now, sixty eight years, Holy crap. Now when I moved here. Henry Zeligeman was just getting out of the business. He started it, and Kay and H stood for Henry and his wife Katina. Yes, Katina and Henry k and H and then Ted bought the

place and then Ted sold to Lee. All good people kept the heritage and the same company going. In fact improved the company. So I like Alpin windows for those listening it. They're made here in Colorado and they've been made

here since eighty one musing nineteen eighty one. Alpin was found right after I went to coloradois Colorado, right before right after I got to Colorado, right and so Lewisville, Colorado, and they started making the insulated glass units and then the industrial stuff and then residential for a last twenty No, they've been doing new builds, so residential new for about twenty years and then retrofitting or replacement windows. You guys picked up on that, correct. Yeah, we're

the only company working with them right now. And you know we'll do it with nailing fins or without nailing fins, So retrofit is normally what we do. But if we're going to replace the siding as well, then we'll put the nailing fin in there as well. But yeah, the only company they're working with as far as residential is concerned. When you don't have a nailing fin, are they nailed through the frame? Yes? Correct, yep.

And they're fiberglass. They have two different lines. The main line that we work with is called their Zenith and that is an all fiberglass window and it's insulated. It is insulated, yes, And they their glass technology is really what is second to none. They have triple pain and even up to quad pain glass for homes for homes. Correct, Holy crap? Really, now the frames? How is fiber You said they have a couple of lines. What's the other one? The other one is called a tyrol and it is

a European style window that swings in rather than swinging out. See. I think that's cool. I think that's a cool idea. By the way, And is that vinyl or fiberglass. It's a vinyl window that's reinforced with fiberglass, so it has a fiberglass reinforcement on the inside. Why so fiberglass? Tell me about it? I mean, I know about vinyl and if it's extruded properly done right, it's good. But what about fiberglass. Is that even stronger? What is fiberglass all about when it comes to windows. Are

we talking real fiberglass? Are we talking about composite which is better than fiberglass. No, it's one hundred percent fiberglass, so no plastics in there at all. Okay, it is four to five times stronger than vinyl. Really, what about the tendency? They're not that there is a tendency, like I said, if it's done properly, but warping or or or peeling or

chalking or anything. That's the huge advantage of fiberglass. Fiberglass is what they call inert, and it basically doesn't accept heat and cold and it will not warp, so it just won't absorb heat, it won't reflect heat, it won't do anything. It just sits there. Correct, it's a forever window. You put that in and that is it. You're done for the light. Now, how does it hold it finish? Does it come pre finished or do you painted? It's a painted product. All fiberglass, even if

it's a white window is painted. Okay, so that's fiberglass. But as far as vinyl are there, pre vinyl is pre colored, right, Yeah, vinyl comes extruded and in a kite or tan. Okay, if you want a black exterior, which is very popular these days, the exterior would be painted on a vinyl window. Black exterior in Colorado is insane in my opinion, it's totally absolutely insane. It won't be black in ten years.

No, well, yeah, and it's gonna do well. How does fiberglass, So fiberglass get in any color fiberglass you can get you paint twelve different callus. It comes prepainted from the Alpin factory. Okay, so that's cool, that's really cool. So can you get black fiberglass window? You can get black, bronze, white, red, green, really tan, different color tans. I would say the most what most people are doing is either

an all white window or a white window with bronze or black exterior. So you can get windows with I was going to just ask that you can get a window with a different color on the inside than on the outside. Correct. Both with the Provia vinyl windows that we carry and with the Alpen fiberglass, you can do a two tone, so you're still doing pro Via correct. So the main lines you have Alpin and Prova correct cool. H josh

I didn't mean to ignore you there, Josh. You called and I asked you to call back, and I said, yeah, call the damn city and ask them what they're doing in that adjacent lot that you smell burning, and they're burning bags that look like evidence bags. What city is this? Wheat Ridge? Now, hold on, this is a tease. We're gonna come right back to him to find out what the hell they told them and see if we can help. Go with a sure thing Denver's Best roofer Excel

Roofing dot com. You don't pay a cent until you're content, wait time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with

Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here, three oh three seven one three talk three oh three seven one three eight two five five renew home Innovations. You want to talk about the best shower. You want to talk about renew Home Innovations tubbed shower conversions, lifetime warranties on some of the finishes. I'm going to tell you they do it

in two or three days, seventy two months to pay no interest. Give them a call three h three nine zero four two thousand, or go to renew home Innovations dot com. They do them custom and they take out that old ugly shub. That's the shower tub Coombo, that's renew Home Innovations dot com. So Josh he sees these guys burning in the lot next to his house in Wheatridge. He says, it stings. It looks like they're burning evidence bags. What the hell are they doing? I said, call and

ask Just call and ask him. I mean, wheat Ridge isn't a terrible city. Maybe you'll get some answers. Did you get any answers? Hey, Tom? Yeah. After calling thirteen different phone numbers, I finally found someone that actually answered and they informed me that it was a police department drug burn that they were doing right there behind our house. Wait, come on,

they're burning drugs yep. And so actually during the break I was going through and just trying to see if I could find any articles talking about drug burning some of the hazards with it. I found a what kind of drugs? I mean, is it crack? What is it? Yeah? I don't know. They didn't tell me. He just said it was a drug burn. But I did find like I was saying, well, at least

they're honest about it. Article. Yeah. Yeah. In that fourteen ap article they mentioned that there's actually I believe the EPA has regulations around pharmaceutical companies burning I don't know, leftover expired products, But it doesn't look like those same regulations apply to police departments. But wait a minute, aren't some of these drugs ingested by putting them on foil and burning them? So that's my point exactly. So you either get sick or a free high. I mean,

this is crazy stuff. Yeah, And what even blows mind more is that the three it looked like it was one city employee and possibly two contractors that were doing it, and none of them were wearing respirators and they were standing right next to the thing, which really blows my mind. Maybe it was intentional. Did they call friends over, did they have music praying? I mean, you know, this whole thing could be already going on go

Lee. You know right now there are a lot of tweakers wondering where that is because they want to go out there and park their car, but we won't tell them. This is crazy, seriously, I mean, there must be there must be some kind of regulations on Did you ask if there are

any concerns? No, but I am going to be going through and trying to find who's in charge of the evidence at the police department, and I'll be sending them an emails as well as the city council bringing up some concerns about the fact that they're burning drugs out in the open right here next to my house. You know, I got three kids under the age of ten that are on summer breaking out, they playing, and it's not okay to be having the city burning drugs, you know, less than one hundred yards

away from them. How about this. You ought to do a pamphlet, a one page flyer and give it to your neighbors. I'm serious, because you have some facts you just found out. Did you know this lot is burning drugs? I mean, I mean, are you concerned? If so, call me or something. And now you may want to do I would if it was my neighborhood. How many homes are around that lot? There's at least I believe at least three duplexes, so six total households that back

up directly to the lot. Like, is this like a green belt a big area that the city owns or is it just a residential lot? What is it? No, it's it's it's the city lotty. I mean they have they have a big old barn for their sandpire or their salt. Can you get some pictures of this for me? I want to make some hay on this. Oh yeah, yeah, Okay, you help at troubleshooter right, help at our email. Help at troubleshooter dot com and send me any

picks or video anything you can get on this. I'm serious. I can't believe. And when you email me, give me the address. I won't make it public right now, but just give it to me so I have it. That's crazy, Okay, thanks for letting us know this, Josh. So I'm going to wait to hear from you, okay. And he's going to take some video and stuff, and then I suggest he mobilized neighbors. It would upset me if they were burning drugs. I mean it seems

to me that's not a good way to get rid of them. But well, maybe it is in maybe some kind of a controlled incinerator somewhere where it's not out in a lot where they pull a fifty gallon barrel out and throw drugs in it. I mean, come on, you know, kitchena. We should call Wheatbridge, ask him what number he called. I think we should follow We should have somebody also follow this up. This is BS. I want someone to follow up, find out the one number he finally got

through to. I would guess they know what they're doing. Yeah, he's sending me his pictures and his contact information and everything that he has, So we should do you think they know what they're doing? Come on, really, yeah, of course, come on, what do you think they're out there burning meth? Who knows? It's probably some weed man and maybe they've got a Maybe it goes through so maybe it goes through something that gets uh. I don't know a filtration process. He said, it's a fifty gallon

barrel. That could be a really good barrel. I don't know, golly, I mean, it's just how do you burn your stash? I don't use it all. I use it all. I don't have any leftovers. And here's the deal man. What I'm wondering what kind of drugs? It's a drug burn But what kind I mean? I'm I don't know. And how much do you think of that evidence goes missing? Now and then from the time they take it from the evidence room to the fire. You know

this, think about all that stuff. I can make you crazy thinking about this kind of stuff. 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 three nine two zero sixteen twenty two three oh three seven one three eight two five five. You know that three oh three Martino, say with me that number works on and off the air. If you ever have a problem, we definitely want to hear from you. I want to talk to my guests real quick.

Which one of these young men was saying they like Nikes because of the quality of the Nike tennisue? Who was it? What's your name? Do? I have no one paying attention? I'm here, shut up. I want to know which one of them likes Nikes? Who was that? I heard that at the beginning of the show before I was on. Oh yeah, yeah, we were talking about brand loyalty or brands and uh yeah, cheap Chinese labor Nikes. That's what it equals. In fact, I think

that's what it spells somehow, so I totally disagree with you. You know. You know what's funny is Nike's an American company, right, you know that, right? Yeah? But most of them are made in China probably, just like uh, almost everything, Yeah, like your iPhone that you're so proud of. He's staring at me so good. Mark once told me a story, and it's very true. If it's about Apple and all the people that have died, he's committing suicide building them in China. They put

special nets outside or something to catch people or commit called fire. It's the I think it's called Foxcom and it's the manufacturing plant for Apple in China, and they set up nets because people were literally throwing themselves to their death just to quit making iPhones that you, Martino use, Well, you use an iPhone, I mean you use a smartphone. Well where I think your phone's made? Korea? Okay, Yeah, that's a bastion of wonderful life.

It's the good Korea. Listen, do you know that seventy two percent of all US adults say they don't give a rip about a company's commitment to diversity, inclusion and the environment. I don't. If I'm a stockholder and something, I care about one thing and one thing owned that's right making it's getting paid. I care about making money and product good products. Now, obviously I'm not going to do a company that, let's say, like you know,

truly are violating human rights or stuff like that. I'm not, you know, or or exploiting children. But how do you argue that with anything? Anything made in China? Pretty much is they don't have a minimum wage like we do. They have they have entire groups of people over there that are forced to work prison labor camps. I mean, so basically anything, I guess, Mark, if I really knew, seriously, if I really knew a company was doing stuff like that, I wouldn't buy their products when

it comes to that kind of stuff. But regular stuff like this, this woke stuff, I don't really care that much about it. I mean, I think that people who highlight the woke stuff and I hate even using that word because it's so incindiary. I rather just but but what I mean by that is that word's been bastardized. That's what you're trying to say. Yeah, and they try to. I think that they try to highlight our differences, and it's it's such a terrible thing to keep talking about that. I

mean what, I don't even know what does inclusion really mean? I mean, are people really excluded nowadays? Maybe they are. Maybe I don't know what I'm talking about. But anyway, here's the the seventy two percent don't care. The one the people who care the most, they're still only forty five percent are the gen Z adults and gen Z goes up to what age twenty six? Is it or no? No way, I'm wrong on that, or it might be I don't know. Anyway, gen Z I had

I had a whole chart here, and what do they care about? I free way onto if the corporation. This is not for investing, by the way, in the corporation, this is buying products. If do they care about equity, inclusion and climate change, activism and politics? Uh, forty five percent of gen z says they do care. Forty five. That's the biggest chunk of a population that cares. Next to that are black adults they

care. That's forty seven or forty three percent. We got more coming up on the Troubleshooter Show three oh three seven one three eight two five five. Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find out

now three oh three seven 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 dum News need advice so you don't have camarun Just as fast as you can shooter's gonna help coming. Man Dix is the trouble Shooter show. No Tom Martino, Hi Tom Martino, You're a troubleshooter. Three oh three seven one three

talk seven one three eight two five five. We've had full lines all morning, and right now we have lines open if you want to call in three oh three seven to one three talk, or you can call three oh three Martino three oh three six two seven eight four six six. K and H Home Solutions with us today we're talking about Oupen windows made right here in Colorado, some of the cool things about that. And then I just want to say something, Michael. I don't want to be controversial about this with KINH

Home Solutions. I don't want to be controversial, but I don't like siding at all. I'm just I don't like siding. I know there's some siding better than others, but I'm very, very very disappointed insiding in general, because really and truly they're stucco is about his maintenance cree if you're gonna get I wish there was more maintenance free. Size is aluminum siding pretty maintenance free. No aluminum gets dented. You know, a stucco as well, stucco

has issues with hail, not a lot woodpeckers. That's real stucco. Very seldom will have a woodpecker problem. It's the drive it stuff, the foam behind it, that the trim. You know it can. But real stucco with hard coat very seldom will have a problem. But I love stucco, I like I used to. I'm just gonna tell you I used to love Everlast. It's like it looks bulletproof. But they had some problems recently. The older stuff was better. I don't know what happened to them. They

seem to have changed a bit, They changed something in their product. I know this year we did it. I know Hardies is definitely the best siding. It doesn't hardy, but they all have this surface problem that if you pierce the surface, you're gonna have problems. Right, Yeah, I just we just don't see the surface pierced with hardy. Okay, they're pretty hardy.

Then it's what you're saying, Really it is pretty hard. What about vinyl coded steel, vinyl coated steel, you can get some really pretty finishes. Yeah, you know the problem with steel is it does rust. You do have hail damage with it. I mean vinyl gets destroyed and with hail damage, not just final I'm talking about vinyl coated steel, right, Yeah, I don't know. I mean it's better than your traditional vinyl for sure, and then the good old aluminum siding though you get some waves in that

maybe. And do you guys even do that, We don't. We primarily work with James Hardy. It's a fiber cement, and I know everyone is in this climate in Colorado. It's it's as good as you're gonna get. You do paint that or as a compaint. It comes pre painted. You can also paint it yourself, but the majority of it comes pre But you're saying it holds up pretty well. Yeah, it's hail resistant, woodpecker proof,

hail resistant. We've seen damage on it, of course, of course, I mean, you know, three hundred miles per hour chunk ice come in is going to damage anything. But yes, we've seen James Hardy withstand a lot of hailstorms out here. Listen, it's it's all what you uh in Colorado's pretty pretty hard on it on all exteriors. As far as Colorado has some harsh climate for sure, and as far as uh windows, though, we we do pretty good luck with with the pre painted vinyl, with

the fiberglass, with uh with. I even think aluminum clad windows are good. They're they're a little expensive and they don't have the thermal quality that a lot of windows do. But in general, h when it comes to low maintenance, that's what people are looking for, right, isn't that what you guys are trying to specialize in low maintenance energy efficient? See, every product that we carry is low maintenance, and that's been really important to us.

And high quality. You want it to last. You don't want to just put something in and then five ten years ago, five ten years later have to deal with it again. So low maintenance. Really, there's nothing out there that's no maintenance. People are lying to you if you tell there's zero mains. But low maintenance is really what we're looking for. In high quality. Yeah, load to almost none. Sometimes some stuff gets pretty So does James Hardy ever have to be repainted? So James Hardy is a thirty year

warranty? Really? Really that long on the paint? No fifteen year finish? Okay, finish? Oh, so you have a fifteen year in the cop does it fade at all the darker colors. It does not chalk fading on some of the super dark colors over time. Yes, but you're not getting idiots that are doing there's no black siding, is there. There's people doing white siding with black trim, but typically no black siding. Yeah, dark graze. I've seen some black houses literally black sliding, and I don't

know what kind it is, but i've seen it. I don't know if it's painted that way. It's like a flat black. And I call them the Twin Peaks. The houses they're all I mean, right now, everything's starting to look the same to me. I mean the newer houses, they're all boring as hell, harder. You will have to paint fifteen, twenty twenty five years down the road, depending on where your house is. That's the advantage of vinyl. Vinyl will you don't have to You never have to

paint it. I mean, it'll fade over time if it's a dark color, but you never have to paint it. Three oh three seven one three talk seven one three eight two five five. And then when it comes to uh, really the exterior of a house in Colorado, if you have regular, a regular paint job, I mean, God, Steve the painter, you know, he does a great job at keeping things, keeping things painted and done well. But man, he'll tell you paint doesn't last in Colorado,

not for a long time. And then I have a we have you know, wood trim or wood doors. Forget those front doors. If they're exposed to sun, I mean, they can just literally fall apart. Yeah, that's why we work with pro Via for our front doors. It's all steel twenty gage steel or fiberglass wood products in Colorado is a bad idea. Well, you got to keep them constantly sealed and maintained and sanded. And even if you do that, I know you're going to start to go.

They're a pain in the ass, that's right. So what kind of finishes though, can you get on these doors? The fiberglass doors are typically is it a green like wood. It's got a wood green with a with a stain on it. And you have a fifteen year finish warranty on that as well. And the steel doors are typically painted with a ten year finish warm. The good part about it is they're they're insulated, yes, all insulated with polyurethane, which is solid that's solid foam. That's good stuff. Yeah,

that's what you find in YETI coolers. That's why you can keep your cold soda air for three days. Yeah, all right. So three h three seven one three talk seven one three eight two five to five on these brands and what we call cooperative engagement in social issues. The biggest population to reject it baby boomers. They don't care. Eighty one percent of them don't care, not at all. So the rest, of course say they do care, but most of them do not purchase based on anything a corporation believes

or does. The next one under that are Republicans. This is the Republicans. Seventy nine percent don't make any purchases based on that. And then next to that, gen xers in general and white adults are almost neck and neck not caring. They're in the high seventies or the mid seventies. Millennials sixty six percent don't care. Thirty four percent due where it starts to get split,

are with gen zers. They care almost fifty to fifty almost it's a little skewed toward not caring, but they do care, and that is remarkable to me. Now, gen zers, by the way, are eleven to twenty six years old. So that would include our guys here today from college and doing internships. And then let's see who else. Then we have Hispanic adults sixty two percent don't care. Black adults fifty seven percent don't care, but forty three percent do. That's a big number. Then adults of all

other ethnicities sixty six percent don't care. So right now, if you look at this chart, in general, most people don't care about the equity and the inclusion and climate change commitments. Most people don't. Bob, Welcome to the show. What's going on? Hey? Tom? How are you doing? Good man? What's what can we do for you? Hey? I had a question. First of all, I wanted to get the name of the person that you always used to have him come out and do independent roof

inspections. I think, yeah, we mark used them now. Of course we use a lot of times our roofers that we like, but you can get a roof. I did call Excel. I called Excel to come out. But I thought you had an independent person. Yeah, there we do. He's not on the referral list, but we do have an inspector from time to time, and his name. I don't have his name memorized, what's the issue, why do you need one? Well, I'm starting to

get notices there now. I use Acuity, and I think you're familiar with Acuity at least I use Brian at Compass, and I'm starting to get I got my first notice here that as of the maturity of this policy of August fifteenth, they we are deciding not to cover the roof because it has a

street tab shingle which is no longer eligible for our underwriting guidelines. So they're really forcing me to go out and get inspections on these properties before the term, you know, expires, and maybe they'll end up having to put a new roof on it. I don't quite understand there. Well, no, no, A bunch of roofers, excuse me, A bunch of insurance companies have been reevaluating roofing coverage in general. Many of them are going to stop

covering roofs all together, period all together. Some are covering for very high deductibles or ACV actual cash values, or they're doing a percentage of the environment of the dwelling amounts of the dwellings worth. If the dwellings worth five hundred thousand, they might do two percent deductible or three percent. So it's really across the board, and some of them are specifying specific kinds of roofs,

and that's what it sounds like. That's what it sounds like. And it's a way it's kind of detrimental to them because I'm going to go ahead and have the property independently evaluate it, and they'll probably end up having to put a roof on this property because I know there's been hayl you know this is off of Smoky Hill, And well, why wouldn't you have done that? Why wouldn't you have done that? Anyway? If you had hail damage?

How old is that hail damage? You can't you can't put an acclaim, every bob, you can't put an acclaim for hail damage older than a year. What I would do every problem. Listen, guys, here's what I do. Call her, Here's what I do. You want to call up

Matt at Paragon Services. He can go back and find when hale hit there and what date it hit there, and then argue with your insurance company if it's even there, if the dates line up to actually get it covered right, But if it's more than a year from the storm, you're not going to be covered. So in other words, you basically should have every property.

I've got rental properties, I should have every one of them expected once a year to make sure there's been no hail going through that particular area. Well unless, I mean, normally you would know if there's a hailstorm you hear about it. But I guess if you don't hear about it, it wouldn't be a bad idea to have a roof inspection. But what I'm saying is is that if you have hal just remember Bob, they're not going to cover it. It's older than a year. And here's the other problem.

If you have multiple hail events, you're going to have a hell of a tough time discriminating, and they may not cover it at all because what they're going to argue is that the previous damage rendered it useless anyway. So what was destroyed recently was a useless roof. So you're going to have a problem. Well, I guess I'll have the roofer look at him and evaluate and they should be able to take you. I think Matt, I think Matt would be the one to go. I go with Mark on this one.

Matt at Paragon Services. He's not a roofer, but he knows a hell of a lot about roofing and everything else because he does specifically insurance claims where insurance companies are trying to screw people, and he takes a percentage of what he collects. But here's the most important part. Here's the most important part.

He will let you know if he thinks you can even get it covered, because if you have not had a hailstorm in the recent he'll look at all his records and if you did not have a hailstorm within a year, you're not going to be covered anyway. If you did have a hailstorm, then he has to go to work trying to make the argument that it was the most recent hailstorm that did the damage. And he'll do that by looking at previous hailstorms and he might say, hey, there were no previous storms,

or yeah there was one, but it was ten years ago. I mean, you let him handle that, and it's free of charge until you hire him. Right, that's the person I was looking for the name, So that's Matt at Pergun, that's who I Yes, that's what you want to mark. Do you have that number? Handy I can give a concom Okay, Kachina, we'll give it to you. Hold on and we'll get you that number. Go with a sure thing Denver's Best roofer Excel Roofing dot

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

Grossmanwellness dot com. I love that place and I go there. I go there all the time. I mean, you know, it's a concier's medical service. You pay a few hundred bucks a month. It includes your prescriptions, your supplements, yeah, and your blood work every three months. It's being very proactive about your health. For two forty nine. You can see where you stand with them, get your blood work in a consultation, see

if you want to continue. There's no obligation. I mean, I really urge you to do it, especially those getting up there in years or actually, really that's not an accurate You should do it no matter what, because you're never too young for great health three all three two three three forty two forty seven Grossmanwellness dot Com. So let's talk. We got Acuity insurance and we gave them the We gave them the referral, and that's important. People

with insurance remember this. You're going to hear a lot about insurance companies not renewing your policies for roofs unless you change your roof. They don't want a three tab really narrow, not narrow but thin asphalt roof anymore. They're making you upgrade and yeah, they can do that, or they can refuse to cover you. Cynthia, you're calling about Safe Code. What's going on with safe Co Insurance? What a quote they are? Why? What's going on

on the thirtieth before the storm hit. I had emailed Safe Code to find a cheaper policy. My policy doesn't expire until November twenty four. Okay, I had got a compass quote because I've been listening to you for thirty five years, so I don't do anything without your approval. Okay, I had check around in January and so I was able to send safe Co on on Thursday, the thirtieth of that quote to see if he could beat it or match it. But but hold on, why why would you bother doing that?

I mean, why would you if Compass came with a better price, why would you even go back to Safe Cost? Well, because I didn't change my insurance. I was since it at autover News and I just was trying to take a better interest in what was going on. And I'm a preventive person, so I was trying to get ahead of I understand. But when you know, when Compass gave you a price that was better, why then go back to Safeco and say match Yet? Why what did you have

some allegiance to Safeco? Well, I've had him forever. Okay, Well what does that mean if anything? Okay, everybody mutual bought them. I had never had you know, I need to see let me explain, let me explain something to people. I have to say this and get it off my chair. I just have to say this. The one industry where loyalty is actually penalized, not rewarded, is insurance. It is the one industry

that you can almost always do better finding another company. We do what's called the insurance checkup, and that means people can call Compass Insurance Group and get a free insurance checkup. Eighty five percent of the time they can find another policy and save those people money. Why because longevity and loyalty with insurance is never rewarded. Here's how it works. You get an insurance policy, and once they know they have you, they creep up this it's called creep up

syndrome. They creep up the premiums and they creep down the coverages. So the longer you have insurance, the worst deal you have, and the way to get a better deal is to rewrite the policy. I just want people to know that, for some reason, people have this vision that if they're with an insurance company for twenty or thirty years, somehow it's golden and they're doing something lofty and it's really a good value. It is exactly the opposite.

Insurance companies have zero loyalty. They are blood sucking scumbags. The industry, it's the only industry that I truly believe does not have people's best interests. Most industries want to help people insurance companies are the low life of industries. They come in and ruin healthcare. They come in and ruin insurance, car, insurance, everything. They the adjusters go out and try to pay as little as possible. That's why they're called adjusters. You never hear them

adjust things upward. They always adjust things downward. And I just have to get this off my chest because Cynthia, you are under some crazy illusion that you want to stay with safe Code because you've had them for years, and that is exactly the reason you should get away from them. But now continue, Okay. So anyway, when the storm hit, it was on the thirtieth. I had emailed you know, SAFECode during the day of the thirtieth.

You had emailed them asking if they could beat the compass price right during the day of the thirtieth. Okay, So when the storm hit, I got on your website and contacted Excel. Excel roofing came out the next day, wonderful. I want to deal with him, and I called to put in my roof claim because my roof was I live in Green Valley Ranch. It was destroyed. And I find out that he's changed my policy and who changed her policy the Safe Coe people, they changed him from my deductible from

one thousand dollars to six thousand. No, wait a minute, wait, wait a minute, Wait a minute. And you're saying they change they can't. Let me explain this to you very clearly. During an insurance contract, they can't change it. So if your insurance contract had a one thousand or two thousand dollars deductible, they cannot change it. Well, they did, they can't, so they can't. So and my policy didn't expire until November twenty four. The policy you have through November of twenty four? Do you

still have it? Yeah? And I have it, but he's rewriting it. And when I called Cynthia in question, Cynthia, one thing at a time, Cynthia, because you're not making sense. You're talking about rewriting. Here's what I'm asking you. You have a policy in your possession that expires in November of this year. Is that correct? It is correct that policy that expires in November of twenty twenty four has how much of a deductible one

thousand dollars? Then they cannot change until November of twenty twenty four unless you cancel the policy I did not. Then they can't do it. So tell me how they did that. I don't know, because I emailed him to find a comparable price or cheaper prise him? Who's him? His name is Jim Morale? Who is he? Who? Who compass? Where? Who did you email? Okay? He's a part of broad Field Insurance A again? Who who are you? Did you ask safeg? Is that what you

mean? The people who are representing you with Safeco? You asked them? Okay, so you asked them to find you a better policy before mine expired. I get it. You asked them to find you a better policy. What did what did you mean by that? Did you say I want to pay a less of a premium? Correct? Okay? And that broker that you had could have misconstrued that that you wanted to cancel your policy and pay less. I put it in. It was in an email. Good.

I physically stated that I was shopping around before my policy. Excellent, excellent, And that's excellent. You put it in an email. So this guy took it upon himself to rewrite you a policy with a higher deductible but probably a lower premium. Right, it was a higher deductible, and then it had my medical coverage payment. Uh, he changed the total policy premium changed, He just changed it. Did it lower your premium? No? Well, what excuse would a guy have for giving you less coverage? Did it

raise your premium? Let me see, Cynthia, what you're telling me makes no sense. You're telling me you called to inquire about a better deal and this guy at Safecoa took it upon himself to change your policy to less coverage for the same price. Well, he gave me a total policy premium of six thousand instead of eight thousand. Okay, so you did say to see That's what I'm getting at. He thought that he was doing you a favor.

Well, he still couldn't have changed it would before it expired. Yeah, he could have with your signature or approval, but you signed signed anything. Okay, we need to get compass On. I need to get compass On to talk about I mean, they're not involved in this, but I need to ask them. I don't think they can do this. I think they're trying to pull a fast one on you, and I think you can go to the Insurance Commission and I do not think they can force you into

a new policy with less coverage. I don't think they can do it, so hold on and let's I'm going to get our experts on to address Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find

out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three O three seven one three talk seven one three eight two five five. Let's uh, let's talk now this thing with Cynthia. We need to get one of our insurance extras on. This is unheard of,

you know, Cynthia. I just want to tell you something. Whenever I've made policyach just like with Compass for example, and I want to cancel or change anything, anything at all, even at the end of my policy, they send me docu signed documents to acknowledge everything. They never do anything verbally, Well, they do, they get it started, but they always require me to sign I say, Brian, man, come on, man, you know me, I'll just go ahead and do it. And and

they want that they want that documented. So if this clown agent says you were changed and it's disadvantage to you and you got a way more deductile, this guy's going to have hell to pay if he can't show documentation. Okay, you hang on. We're gonna get our insurance expert on to verify that. And then you go to the insurance commission. They can't get away with this crap. No, no, no, no no. Let's talk to Patrick. Hey, Patrick, what is your question concerned? What's happening?

Not much? How are you doing? I'm doing good man? What's going on? I love your show. I always listen and I've learned learned a lot than Just have a quick question about, uh, the sales tax stamp on tobacco and alcohol. Yeah, that's for sales tax. Correct. It's well, it's not for sales tax. It's it's for taxes. It shows that they were taxed. I don't think they they might call it a sales

tax. I thought it was an excise tax, but there are certain taxes they have to pay before it even goes out for sale, and then sales tax goes on top of that. I just remember when I was younger, when you ad buy cigarettes or alcohol, there was that was the price. There was no tax added onto it, no other taxes added on to them all the time. Now, yeah, they when you go to check out, they add sales tax on top of the tax. And I just didn't know if that was like being double taxed. Well, it is being It

is being double tax. We're often double tax and triple tax. It depends on what we buy. See people, some people have to pay excise taxes. Some people have to pay import taxes. Some people have to pay all kinds of taxes or surcharges or tariffs. And then on top of that you might pay a tax for transportation, and then why the time it gets to the retail level, you pay your sales tax. Yeah, that's absolutely normal. Now, there was a time, I believe there were some places that

exempted alcohol, tobacco and food. There's cigarettes in almost every state unless you're on an Indian reservation or something like that. At sea, they have an excise tax that's with this guy. Some states do not add a sales tax on top of that, but Colorado, I assume does. Yeah, And that's the point. They don't have to not do it. In other words, in other words, there's nothing that says it's not. But it used to be in some states that alcohol, tobacco, and food were all untaxed.

Now they tax the hell out of everything, and in fact food, of course, I think that the rule on food, unless it's changed. The only thing that's tax on food right now, I think is prepared food, right. I mean, if you buy groceries, do we buy, we don't pay sales tax? Suey on food? I don't. I don't remember. But to make a long story short, they can. If you buy a pack of cigarettes right now at Walgreens, you're going to pay sales tax. Okay. I was just curious about that because I swear it used

to be they didn't. That's right. That's in some states. I don't think still do. I mean, I'm not sure, but I think that there are still some states that do not charge sales tax. But that's really a local state issue. That is not something to be that's not something that says, hey, if there's a stamp on it, then you don't pay sales tax on it. Three. In fact, we have there are cases where people who build stuff, they pay sales tax on components, and then

you pay sales tax on the finished product. So there's all Oftentimes we're double and triple text. Now Cynthia's question about Safeco, we're going to talk about coming up go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance

companies find out now three oh three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here three oh three seven one three talk seven one three eight two five five. Jeremy, I hope we can get this in.

Jeremy Kuzier Curzio is with u Compass Insurance Group, home of the free insurance checkups by the way and three h three nine ninety six nine thousand, Jeremy, I got a question for you. Sure, okay. This woman claims she has safe Co insurance on her home with a one thousand dollars deductible that expires in November of twenty twenty four. And I believe that policy, Tom, was through Compass. Well, Cynthia, did you get No, it wasn't, Cynthia. The safe Co policy you have you did not get

through Compass, right? Correct? Right? Because she mentioned Mark another broker, and she said she went to Compass to get a better deal. So, Jeremy, here's what happened. She claims she called her safe Code agent and said, I want to try to shop around before expiration. I want to get a better deal. It was an email, Tom, an email, I'm sorry, and she said she wanted to get a better deal and that's all she did, according to her, that's all she did. Then

she went to you guys for an insurance check up as well. She made no other changes. There was a hailstorm shortly after that, and now they tell her she doesn't have a one thousand dollars deductible. They changed her policy and they saved her money. But now she has a six thousand dollars deductible and she signed nothing. Now, I know you guys make me document everything when you make a change. Can they just say, willy nilly, we

changed your policy? No, no, does that happen. It can, but no, they can't just change her policy without her approval on it. So you're saying the broker changed it, not safego right, And she's claiming this guy's claiming she requested it. So and you do it on a verbal or does it have to be signed? What if he claims she gave him authority? And what if he claims Cynthia gave me authority and Cynthia says I

never did I have an email to prove it? Yeah, I mean I think the onus certainly falls on the broker, but it can be a fight, and that's you know, that's why you'd try to get everything signed. That's why we send that stuff because we want to make sure everyone's on the same page. So if I mean, if she can prove she did not authorize it, well, I don't think she has to prove she did not authorize it. I think he has to prove she did. I mean,

oh, absolutely, absolutely. What I was going to you're you're absolutely right. What I was going to say is if she could prove to safeg hey, I never changed this, This was done behind my back. Right, Safego could work with her and then they could deal with the agent on the difference. So she she should call she should call them directly. Have you called Safego directly, Cynthia, No, I didn't know how to do that. Who does she call it safe Coad, Jeremy, don't they only work

through agents? They do? She would have she can call them directly. I mean, you can't get like a new policy through them directly. But hey, I've got listen, Jeremy, I've got safe Co. I went to call over a question I had now mine was auto insurance about two weeks ago, and it tells me to call you guys period in des study. That's which they're gonna want to do in a case like this. Do you have an open claim? Is the claim going on right now? I was

trying to file one the very next day. He did all this in twenty four hours. Okay, the adjuster would be someone you could My argument would be, or my hope would be that Safego could work with you, get back to that original deductible, and then they can deal with the broker. Yeah, but Cynthia, you may have to go to the division of insurance and tell them that they change your policy right before the storm without your knowledge or approval. I mean, I swear to you that you tell them that

this is what happened. And I don't mind giving it to someone to work on, but I want you to call the insurance division first. This cannot stand. We will help you, Cynthia. Go with a sure thing Denvers Best Roofer Excel Roofing dot com. You don't pay a cent until you're contenth time for an insurance checkup 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 news. So you don't have run anxious. As fast as we can. Shooter's gonna help coming man. This is the troubleshooter show now, Tom Martino, Hi, Tom Martino here three oh three seven one three talk seven one three eight two

five five. Welcome to the show. This hour brought to you by frankurandereal estate man dot com for a market analysis of your home what will itself war? Without going through listing and all of that, Just go through Frank's thirty years of experience three oh three nine two zero sixteen twenty two, No obligation, free of charge The Man three oh three nine two zero sixteen twenty two. Let's talk. You know, I would be really upset if some insurance

broke er changes my insurance without my knowledge or without my approval. And I want you to know this, folks. If anyone tries to pull this on you call us. That was a previous hour call. She said. When I went to look at my deductible, it was now six thousand dollars. I had a one thousand dollars deductible through November of twenty twenty four. And the guy said, well, you called to change it. She said, no, I or she said, he said you didn't call, but you

emailed to change it. Her email said I'm shopping around for better rates. That's what she said, and he took it upon himself, the changer to a higher deductible. This is according to her. Of course, we're going to check it out. Gina, what's happening, Hi, Gena, what's going on? I got a question? Yeah? Okay, So my car went in the shop. I got an accident. My car went in the

shop on the twenty third of May. Yeah, they just called me five minutes ago and told me that my car was in hell damage at their shop. And it's thirty one hundred dollars. And with the naked eye, with his eye, he can only see one dance. Well, I don't want my car, you know. Well, what you have to do. What you have to do is have Now what was it in there originally for? Because I was in a car accident? Okay, Oh, this is complicated.

Went into a body shop for a car accident, and your insurance company was going to pay for that, right, it's all covered. Okay, my fault, I got it. Now on top of that, you got hail damage. And what you need to do is have your adjuster. Your adjuster go out there, because are you covered for hal you have comprehensive coverage. Yeah, okay, So now your insurance company has to go out and assess how much of that that they'll cover the hail, and then the other

company covers your car. There's two separate claims. Okay, I'm just I was trying to figure out. Was it's your place? No, that doesn't matter. Well, let me put it to you this way. What if you went to the supermarket and parked your car there. Would you expect the supermarket to pay if there was a hailstorm? No? I don't now. The only way they would be responsible, Gina, is if they promised you they were going to keep it inside. Okay did they promise you that?

Nah? No? How long was your car there? Just the twenty third of me? And and they have a parking lot outside. I know that body shop you're talking about it. It's over on Wabash right, Yeah, yeah, good people. And I took I took my car there once, and you park outside, they have a lot. They don't promise to keep it inside. See, it's not their fault. The hailstorm came right. No, Thisistan made pissed me off. You know you're lucky though it's there

already being fixed. You won't notice the difference. You really won't, but you're going to. I'm not worried about that. I'm not. I'm just what he's saying that he can only see one dent. If I don't look at it under the light, then I have only one dent. Yeah, but why not take advance? Why not put in an insurance claim? I mean, if you have how much is your deductible? Oh fifty? Oh? You only haven't about any of that, Okay, not about any of that. It's just I guess I'm just I was hot headed, and you

know, I got y'all own speed out. You know, I got I got people over there. So so did you think you thought at first they should pay for it? Right? Yeah? I did? Yeah I did. I'm like, okay, well, y'all go ahead and take care of it. You know, Yeah, they're not going to. But I know that's you just got no. But you know what, the whole thing, we get this call mark, how many times do you think this time of

year? We get it all the freaking time? But how would you say, over the last five years, what we've had at least a dozen calls, about more than a dozen, and not just not just tail, but either the car gets stolen, from a shop, or the car gets vandalized or the cat gets stolen. But it's all the exact same thing, right, and unless that shop had anything contributory, you know, like did something. I like how we're our numbers on speed dial though. That's cool.

Yeah, she's funny. Just an FYI guys, Gina and I used to be neighbors. Oh well you woman, tell Gina. I'm really, really, really really sorry. Now, Don, what's going on? Don? Don? Hey, Don, what's going on? Well? Am I having problems with a credit card? Okay, what's going on with it? Well, it's been probably about a month and a half since we pre shoot the bill, and I haven't wait a minute. A month and a half, you didn't receive a bill, So do you keep track of that? That's

good? And so, uh did you go online to check your statement? No? I didn't go online, but I did make a call. I knew the only person I can. I can't get a real person to talk to. What kind of credit card is? Can I say the word the name? Yeah? Of course, Okay, it's a Master Shares MasterCard? Okay, Now, do you have online access to that account? Most accounts nowadays have online access do you have access where you can go on and see

transactions and all of that. I've never done that before. Well you know you can go on even now. Do you have the numbers? Do you have do you have any record of that account, of that credit card number? And are you still have the credit card? Right? I do have? All right, So just go online and just open up an online account and you put in your credit card number and it will open up an account for you. All of them have it, and then you'll be able to

see any transactions and bills you have. But why did they Why did they tell you that you're not getting a bill? Well, they didn't tell me. I just haven't received one, and we've had the card since nineteen eighty two. They probably owedged it to paperless. They switched him without telling anythink. I don't know the rules on that. Honestly. I thought they had to tell you, but I could be wrong. Hey tell me this, tell me this. Uh. Don do you ever call them for anything?

No? No, not very often at all. Well call the number on your card and tell him you haven't received a statement. Well that's the number that I called, and then I got on the internet to look at But what do wait? Wait, when you called, what did they tell you? You get on a recording? You're talking to somebody that's not really there. They just get information. They get your credit card number and that's it. And you can't you can't be get any deeper. They just there's nobody

there to talk to. No, I mean, eventually though, there's a representative. You can dial such and such for a representative, right, not that I'm aware of. Well, I think you can. Don Honest to god, I don't know of any credit card companies that won't have customer service. There's a number on the back of your card. You call the number and you drill through to representative. And if they ask you for questions, like you just you just this. All you keep saying is representative, representative

and here's that representative. Now. If that doesn't work, you go to the Sears master card website. Okay, I don't know what it is. But do you have an old statement and it'll be on your old statement. Do you have one? Yeah? Good, go to your old statement. Look up on the top somewhere there's going to be a website. Okay, go on that website and start an online account. It doesn't matter. If you start it now, it'll have a record of all your transactions when you

go on there. Then you go to the park that has the statements, and there might be something clicked that you want online statements only, and you have to unclick it and make it so you get paper statements. But here, I'm gonna give you a clue. If you do get online access, forget about your paper statements. You don't need them, really, but you're gonna tell me. I'm gonna I can hear in your voice just said when you went. Really, it's like a baby giving up his toy. I

know, I know you're at that age. Let me guess you're over you're over sixty five, right? Oh yeah, how old are you? You old fart? You shouldn't be using a credit card? Grow up, Hey, don listen man, I'm seventy. I'll tell you this online makes your life easier. Just get just when you when you get used to it, then you just go on and say yourself up some auto payments to pay the balance every month. But if you want a paper statement, they certainly will

send them to you. Mark. I don't know of any companies that stop sending the paper statements to you. A lot of them will force you into it by saying, okay, if you want paper statements, we're going to charge you another half interest point like on a car loan. Yeah, you're right, You're right, or they charge a service fee, so don If you have problems doing it, I can help you off the air, but try it first. Get go to your old statement, find the website.

Go on there and see if you can open up an account. Three o three seven one three two five five Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're content. Time for an insurance check up free, no obligation. In comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies find out now three

all three seven to seven to one help. You'll think you're his only customer when you choose Frank durand the real estate Man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hey, I'm Tom Martino here. Three three seven to one three talk three oh three seven one three eight two five five K and H Home Solutions with us in the house. By the way, you can get your calls in any time

if you want. But we're thinned out right now after a lot of calls, and uh, it's worth reminding people a few of these really quickly. If you have if you have homeowner's insurance, okay, and they're asking you to inspect your roof or they want to come out and look at it. Beware, they're dropping a lot of roofs and they are allowed to do that upon renewal. They can say we're not going to renew you unless you replace your roof. They're thinking, look, if you have an old roof,

forget this crap about waiting for a storm. You put on a new roof, and you put on one that's going to hold up better in hal and yes they can do that. Some of them are dropping coverages all together, all together. They're saying, we're not covering roofs at all, or you're gonna get a high deductible. And then when it comes to safeg safe Co is not what it used to be. Safe Co used to be a good

company. I think they're going downhill. And I'll tell you why, Liberty Mutual merge with them, right and Liberty Mutual is not a great company in my opinion. So there you go. You got a combination there that's not very good. And this one woman, Cynthia, claims they change your policy without approval. You just can't do that. But don't put a past insurance companies to pull fast ones. As I told you, they are the scum of the earth. They are. It's the one industry where it's all negative.

There is not one thing positive about an insurance industry. I mean, obviously the payouts are when you need them. I'm talking about the way the industry is run, all predicated on taking premiums and not wanting to pay out damages and for stockholders and for screwing the little guy. That's in fact, when it comes to health insurance, they're entirely predicated on taking over health insurance and telling you what you need and don't need, and what they're going to

pay for it, and how doctors should practice. They came into a perfectly good system and just took it over. People think medical bills, medical expenses went up because of greedy doctors and pharmaceutical companies and all of that. Well, pharmaceutical companies a little bit, but may doctors know doctors are actually getting paid the same or less than they have in the past for the same procedures, actually less than twenty and thirty and forty years ago when you adjust for

inflation. What health insurance did was they came in and said, Okay, now we're going to charge premiums and manage care. And it's like the mafia. They it came in the middle of the provider and the patient and inserted their charges in the middle. That's what they did. It's it's truly protection money. It's it's like you didn't need them. Now, obviously we need

health insurance. I shouldn't say we didn't need them. But there are so many better models for health insurance than the model we have now, which is trying to do a managed care and low payouts. And they're trying to tell doctors how to treat patients, and they're capitating costs, meaning they're giving limits per patient, per practice. They have so many practices that are just uncalled for, and they could make a ton of money doing it the other way.

Kaiser's a great example of a better system. Now you may not like Kaiser or the doctors or the clinics, but the model it's a nonprofit model. It's the only it's, in my opinion, the only way a health insurance can work, because there shouldn't with a profit incentive. If you automatically have a d sent to it's not you're not incentivized to give great health care. It's the other way around. And then we had a woman who had

her car damaged at a shop with hal We're going to get this. A lot people have their cars at places and it gets held on and somehow feel that place is responsible. Well, it was fine when I brought it here, you know, and then it's sitting outside and it gets held on. In fact, if you have a valet service, we've had calls on this

where a valet will take the car and park it. It's there's a hailstorm, they deliver the car back to after dinner and now you figure, oh my god, not only did I have a bad dinner and bad service, now I have a car returned to me with hell damage. They're not responsible for it. Nope, it just doesn't happen that way. So knhe help solutions. When we're talking about siding, we already talked about there's nothing new under the sun or at least, I don't think there is coming down the

pike. I wish there was. And you said, James Hardy, the cementuous, cementious or whateverwever they call it, that's kind of good. And it's it's a what is it a cementuous material mixed with wood. It's a fiber cement. So it's there's a little bit of wood fibers in there, just to make it a little bit more appliable. Now, so when you hold it, can you snap it? You shouldn't be able to snap it

with your bare hand. It's pretty flexible. How thick are they? They are about quarter three and a half inches on the depth on the trim around the window. So the trim is way thicker, well trim, But what about the siding deciding itself is about an isn't that thick? Oh? I didn't realize that. Yep. Okay. And then as far as windows were talked about, alpen windows, pro va windows. What else is there truly for exteriors of homes that might get people excited? There's not much doors windows?

Well, okay, what I'm saying is nothing new though really with doors, right, I mean, there's no real tech, new technology doors or doors or doors, right, not necessarily. I mean the reason we work with pro va doors is they're definitely made a lot better. They'll last a lot longer. When you how do you make a door different? You can make a door different by, like you said, the insulation, well, yeah, I can see that it is, and then the thickness of the

of the door itself, the steel door. Correct. Now, they used to have a really big problem with southern facing steel doors burning the crap out of people. I mean really, this was a real problem, like kids would get third degree burns, turns firstgree burns. But what happens now? I mean is it the color? Do you make them more reflective? Is there any technology involved in this, any ceramic paints that can cut down on

the temperature build up? There is? But if you're south facing, no overhang, and you want a black door and it's steel, I would not recommend it. No, No, you can want you want to go to fiberglass at that point. Okay, so fiberglass is not as sensitive to heat at all. Correct, So they wait a minute, I didn't they make an exterior door for fiberglass? Correct? Insulated? Yep, that looks like wood. You can either get it. Why would you always get that?

Why would you ever get a metal door? Tell me that what's the difference. It just depends on what you're looking for. With With fiberglass, you're going to have the doors that look like wood without actually being wood. I know, and that sounds like a good We sell more fiberglass doors than we

do steel doors now, and it's really switched. We used to be a ton of steel doors and now because but they look I imagine they look really good because fiberglass can mimic almost any surface correct, So you can get a dark, rich wood look on that. Oh yeah, they have grains too. You have furs and cedars and maples and cherries and full body alders. You have naughty stuff too. You'd have to get really up close to see that it's not. I'll tell you a story. We were installing a door.

I was with Sarren, who's one of our door meets. We're installers. Guy across the street yelled at us from across the street. We couldn't hear him. He came closer. He said, that looks amazing. That wood is fantastic, and we said, no, it's fiberglass. Wow. He said, I'm a I work with wood, and he had to come up close touch it and feel it, and then he realized it was fiberglass. Does it actually have a texture on the on the surface too, Yeah,

and the naughty alder has the knots in it. Oh, come on, man, really that's pretty cool, I said, I didn't realize that I would never get steel. And knowing that I would never get steel, because you get it insulated, it's not hot or cold, and it's it's firm as hell. Hail resistant. Wouldn't it be hail resistant? Yeah? They use a lot thicker fiberglass. And then what about you can get lights in them windows? Yep? Pretty much any size window you can get,

you know, half circles. Circles now are the entire frames and everything like the side lights and all that made from fiberglass. Yep, anywhere. But and it's virtually maintenance free, isn't it. It is virtually maintenance free? Yeah. Do they come pre painted, you pre stained for the fiberglass. Now, when you say pre stained, meaning the color of stain, it's not actually stained, right, it is stained, and then it's baked on

almost in a kiln. Wow, man, I honest to goodness, I didn't realize that they had come that far with fiberglass exterior and pro Via specifically, fiberglass doors are the ones that look extremely realistic. So not only you're getting an energy efficient product, but the esthetics of it is second to none. Because I have a wood door, I can't keep a finish on it. Now Steve the painter is going to be doing it again, and he says in Colorado and I am south facing. Yeah, it's terrible. Yeah,

these Prova doors really, they they last. And if you're going to go buy a fiberglass door at one of the box stores, it's it's not gonna last. But when you have a Prova product, absolutely well. All right, people give us a call three oh three seven one three talk seven one three eighty five. Go with a sure thing Denver's best roofer Excel roofing dot com. You don't pay a cent until you're content. Wait time for an insurance check up free, no obligation. In comparison, call Compass insurance

paying too much your coverage at dozens of insurance companies. Find out now three all three seven seven to one help. You'll think you're his only customer when you choose Frank durand the real estate man dot com to list your home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martine three oh three seven one three talk seven one three eight two five five. Steve the Painter's on we were talking about wood. Oh my god, is

wood a pain in the ass? Steve the Painter, What do you have to say about us, sir, Well, I'd have to say that. You know, back Gets had me up fifteen twenty years ago. They did come out with fiberglass front doors, and they were the best doors I think I've ever seen. They don't warp. Uh, they're easy. That's what he's talking about. Say that again, he's talking about fiberglass front doors. Yeah, well they talked about fiberglass front I didn't know that. Are he

talking about front front doors or overhead doors? No, he's talking about front doors, front entry cars. Those are the greatest things ever. I mean, they're easy to work with. Now, your front door you have to have perfect conditions even to refinish it. You can't be too hot, i can't have no moisture. All these variables got to I'm into effect. So but your heads up. You were thinking about doing your front door possibly next

week if that works for you. Yeah, yeah, and I'll give you the code for that if I'm not there, but I'm usually there during the show. But you know, Steve listen man, you even said, no matter how you do it, it'll have to be redone how often with your door face in that west right there? And you don't really have a lot of stuff. I think faces maybe every four years or something. I mean,

but look at the bottom panels. Well that would be good. But I'll tell you it's it's really really amazing what sun can do to the finish of a home. Now. Do they make some really they must make some really good paints right now, don't they? That resists that kind of deterioration, Steve, It's really not paint more of a polyurysane. Yeah, I'm talking about now for siding and stuff or whatever. I don't even know what you do paint nowadays on the outside of a house. When you go to

paint a house, what are they made of? Right now? I'm serious? What are what are you mostly seeing? We're mostly seeing exterior? Well, you can go to Sherean Williams, you know, but what what are you painting over? What are you painting over other than the trend? We're painting over hardyboards. We're just picked up a job doing hardboard siding, so we'll be doing that here in another few weeks. And you just paint a nextterior, good quality exterior statin paint. Don't use flat paint. It will

not hold up. Bat and paint beats off the water and it'll last you twice as long. And how long will a paint job last in Colorado if you do it really right? Well, I don't know. I have jobs going on close to ten years. Really, that's a that's incredible, recommended every seven, you know, seven years or so, because it really depends on where you live too and cut around or if you live up in the hills, oh yeah, you're you're in a sep. I always seven years

out of it. I always meant to ask you this. You know, My Stephanie's dad was a bricklayer and mason guy, and he and he invented or perfected lightweight concrete for our chitectural design and all that. He was really big into stone and concrete and brick, and he used to have a CONNIPTIONI literally when he saw people painting brick and Stephanie's she still does. She goes, Oh my god, why why would you take a maintenance free surface? Now I'm going to ask you. Have you ever had the paint? Have

you ever had people I want you to paint their brick? Yes, and it's very expensive. Why it absorbs the hell it keeps sucks? It sucks in paint, doesn't it. Oh yeah, you have to. It almost happen to use a block pillar in order to prime it, and then you roll two coats over the top of that. That's why you can get it. But does it hold paint? Is it a I mean, it seems to me you're ruining it to begin with. But does it hold paint? Does it hold up better than something else you would paint? Oh yeah,

you'll hold up just fine. It's just that you lose the whole brick aspect. Yeah, of course. And I like the I just like the brick aspect. Leave it alone. You'll never have to worry about your power. Wash it and you're done. Now we were talking about stucco, and I know Mark over at Genesis Total Experience, he talks about the top coat the hard coat having color built in it. But I imagine you have to go repaint stucco from time to time after some years. Is that only if they

want to change the color or have you seen stucco need paint? No, repainted a house in golden and it meant the same color. But you use a special paint for stuccle. You have to tell the people at the paint store you're using this un stucco. And what's different about the paint for stucco. It has more vehicle to it, It has a lot more bonding units to it. So what happens to the original stucco if the hard coat has paint built in? Does it leach out? Does it fade? What does

it do? Over time? It will fade? Yeah, because the way they do it with stucco is that you know, you got the stucco, but they had they add a pigment to it. So you you get your stucco, they had pigment to it. They mix it in a big mixer and then they trial it on. There's your color you need. But okay, time it will face. Okay. So as far as uh, the the stucco itself, though it's pretty hardy, and it takes paint very well. Oh yeah, oh yeah, you'll hold up forever long as long as

is that that newer stucco. I mean, even even it's hail won't even damage that. Now, is there anything that you can do for people that want to change the color of windows, like if it's a vinyl window, No, nothing that I saw. Nothing really holds up, does it. But fiberglass holds paint pretty well, doesn't it. Yes, yeah, you could prime it. You prime it with again a special primer, then you

could do that. But any vinyl window, Uh, come, if you remember right years ago you had a lady in Highlands Ranch that the guy went out there whether he say you're you're something about a dog chasing a dog bone or something. Oh yeah, yeah, I remember that guy. Yes, yeah, yeah, that guy. His name was Kaylin and he yeah, I know, it was a long story, but anyway she called it. Anyway, his paint or painted the vibal windows. It was already pilling off

before they even finished the job. Yeah, it doesn't work. Now. Somebody just texted me knowing you're on the on the phone here. They they want to know what paints or colors chalk now people, we've mentioned that at least three times today's show. Chalking is where you get this powdery look on the outside and you can almost when you put your finger on it, you

can it is almost like a chalk. What causes that? Are there paints that are there cheaper paints or different color paints that will chalk no almost any pain to do it, but certain colors because the pigment will do it quicker, like greens, blues, yellows, burgundy colors. Those colors fade very fast and they overtime they chalk. And what it's killing you is that you're ready for another paint. Jo And what is talking really is it? Is

it a deterioration of the outer coat. Yes, it's starting to fail. And once it goes beyond that, then it starts going into the siding. It starts the siding starts really deteriorating. Then it gets into the top layer of the siding. And now you have a serious problem because now you're not only painting, but you have sighting replacement. Someone else wants to know about a fence they have that's iron and they want to uh redo it? Now does that have to be done? There was what kind of paint takes to

iron. Now they have it's almost materials now come out waterborn. It's a water born product. Back in the day they used to use oils and now because of EPA they've gone to a water borne unit and it's it's a polyure thing. Is it good? And oh yeah we did it. We did a commercial building in Aurora, all these iron handrails and columns. Yeah. And to this day, that was ten years ago and this still looks good. Wow, I was amazed. You wash a brush up with water.

That's all it is. Okay, Steve Star Quality Painting. Give out your numbers since you're on go ahead, oh office phone number three oh three nine four eight eight seven six y five star Quality. They're on our referral list at referrals dot com. More with KNH 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 comparison call Compass Insurance pain 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 Martine here THREEO three on three Talk three oh three seven one three eight two

five five. Welcome to the show. By the way, I also wanted to mention that Michael mentioned during the break and K and H does do bathrooms now? Are you guys going to do more and more interior stuff? Are you going to stick to the exteriors and just bathrooms are just one of the things you're doing? Or what are you what are your plans? You know, I don't know for sure. I mean we're we're the experts at the exterior of the house, and we took on the wet area, so the

bathroom, the tub this year. Yeah. As far as the plans for more interior stuff, I'm not sure if that's on the plate, But exterior is more. Do you still do Do you guys still do screens? You used to do a lot of that. We will rescreen windows, especially if you bought them from us. Yeah, yeah, absolutely, you could bring them into the office, we'll rescreen them, or we can send our guys out there to rescreen. Somebody else texted me asking about what they call a

vanishing screen door. I say, get rid of it. Their pieces a junk, that's my opinion. But those roll up verticals are they still even around? They're here and there, but they are They fall apart really quickly, they really do. They just don't hold up, and dust and debris gets in that screen and when you roll it up, it gets into the mechanism. I've never I mean the idea at first it was really like a wow, you know, like the toothpaste pump, but it just didn't stick

around. Pro Via used to carry one and they stopped carrying it because they had issues with it exactly. I mean, it's okay. And then sliding glass doors, can they be replaced easily for more of a French door? Do you have just like can you like just just replace it or does you have to do a lot of modification? No, you can absolutely replace a sliding patio door with the French or vice versa. The size. Any aren't sliding doors more old hat or people love them? So people still like them.

They're more energy efficient and they create more of a space in your house. When you have a friend store. If it's all you're in, you're gonna lose a little bit of space all right by the way. When they're not here, you can go to cach Windows dot com three oh three, four to one seventy one hundred and remember I'm at three oh three Martino twenty four to seven. Leave a message and we will get back to three oh three six two seven eight four sixty six. Save all your problems for me.