Episode Transcript
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Speaker 1 (00:00):
Yea ripped of.
Speaker 2 (00:07):
News, need advice? Who you don't have the.
Speaker 3 (00:12):
Come running just.
Speaker 2 (00:13):
As fast as we can. Shooter's gonna help Come man,
This is.
Speaker 4 (00:20):
The Troubleshooter Show. No Tom Martino, Hello.
Speaker 2 (00:26):
Tom Martino here, Welcome to the show. Three oh three
seven one three talks seven one three eight two five five.
We're here to help you solve problems, answer questions taking place,
make your life a little easier. This hour brought to
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Let's just give this number out three oh three eight
six two five five five four. All right, now we
have callers here, but we also have if you're streaming,
you'll see I have lovely Stephanie Thomas with us from
Colorado Springs. And Stephanie, you're with Coldwell Banker Coldwell Banker
(01:33):
real Estate. Yes, and you've been a broker for how
long now?
Speaker 5 (01:36):
Fourteen years?
Speaker 2 (01:37):
This market? Is it good batter in between? Or how
do you explain the market in the Springs area? We
have a big Springs audience, you know.
Speaker 6 (01:44):
Right now it's it's really interesting and it kind of
feels a little bit like a roller coaster.
Speaker 5 (01:51):
I was just having this conversation with my managing broker.
Speaker 6 (01:53):
And Michael with this where it's really kind of and
he put it perfectly when he said, the tale of two.
Speaker 2 (01:57):
Markets, so within one, yes makes it, you know, no.
Speaker 6 (02:03):
Rhyme or reason as far as pricing goes or things
like that. But what we're seeing is some homes are
selling very quickly.
Speaker 5 (02:10):
Multiple offers.
Speaker 6 (02:11):
Out of the last three offers I've written for buyers,
two of which were multiple offers, and thank goodness, we
were able to get.
Speaker 5 (02:17):
Under contract on both. But it's it's just been interesting.
Speaker 6 (02:21):
And then we have additional properties and homes that we're
seeing days on markets start to really extend out of
the current active.
Speaker 2 (02:28):
Can you give okay, can you tell which homes move
and which don't or is it not just a price range.
Speaker 6 (02:33):
You know, is range specific or even necessarily area.
Speaker 5 (02:38):
My experience has just been it's.
Speaker 2 (02:40):
Just happhazard lover. Really.
Speaker 6 (02:42):
I have seen homes, you know, the homes that look
more market ready.
Speaker 5 (02:45):
Of course those get great activity quicker.
Speaker 6 (02:48):
But your homes that should you know, look good on market,
you know, would get that you would think of a
strong buyer response, aren't necessarily getting that. I think town homes, condos,
you know, that multi family market is still moving slower
of course than single families, and.
Speaker 2 (03:03):
Now a lot of people have got a lot of
people they don't want to go into that multi family
anymore because of the the hoas and the insurance situation
they end up self insuring. I mean, it's terrible, it's
a terrible thing anyway. So we have Sephanie Thomas with us,
but I'm going to go to the phones, as I
always do. Phone calls get priority. We have James who
wants to talk about an issue with an enterprise rent
(03:25):
a car. Hey, James, what's happening with you? Welcome to
the show. By the way, everyone else can call three
zero three, seven to one to three talk. That's one
of our numbers, seven one three eight two, five to five,
and we're happy to help you. What's going on with
the Enterprise?
Speaker 3 (03:40):
Can you hear me?
Speaker 2 (03:42):
I sure can, sir?
Speaker 7 (03:44):
Okay, I can hear you.
Speaker 8 (03:45):
Yeah.
Speaker 7 (03:47):
Well, I just got your number from my sister because
I was telling her about my shaga with the Enterprise.
On January second, I rented a from Enterprise, a nice
little Sunday Kona read and was going to drive to
(04:10):
Palm Springs to meet a friend of mine who was
going to share the cost of the rental because his
wife came from Idaho and I was going up, which
I'm from Idaho but a living in Brago Springs currently.
And I rented this car, took it to a trailer
(04:34):
park where I was living in Lake Kinshack, California, and
it's on a hill, and proceeded. After a couple hours,
I'd got my laundry together in my trash and loaded
it up in the hatchback of the car and went
out to driveway and turned left, and I pushing on
(05:00):
the brakes, but nothing happened, and I thought, God, this
is strange, and maybe I so I had to turn.
It was down hill about forty feet, turned right. My
momentum kept me to the right, and then I got
to turn back up hill after about fifty feet.
Speaker 2 (05:19):
But when night, but you had no you had no
brakes at all.
Speaker 7 (05:23):
Well, when I got to this uphill straight, my brakes worked.
I didn't roll back, and I went, God, that's really strange.
And so I thought, I looked, but.
Speaker 2 (05:37):
The brakes were not Did the brake pedal go to
the floor, Yes.
Speaker 7 (05:42):
But I couldn't tell that because it was in the night.
I mean, it was just six o'clock in the evening.
And I looked at the gas pedal and the brake pedal,
and these new rental cars or new cars are real
close together, unusual from what I'm used to drive two
thousand and three Taho.
Speaker 2 (06:02):
And the.
Speaker 7 (06:04):
You know, the brake is quite a ways of way.
Speaker 2 (06:07):
James James, James James. Is it possible that it did
have brakes the whole time and you were hitting you
were not hitting them? Or are you sure when you
hit the brake pedal?
Speaker 7 (06:21):
That's what I was concerned about so I crept up
the hill. I had to go about another one hundred
feet up the hill one hundred and twenty feet to
come around the corner and come back down to my trailer,
where I had some more laundry to do and it
(06:41):
was sitting outside. I was going to stop the car
when I first came out to load it in, but
it never stopped, and I kept creeping up, pushing on
the brakes. They worked all the way up this hill.
I must have pushed ten times just to make sure
I was pushing on the brake and they were. I
got up to the top of the hill. I sat
(07:03):
there for about two minutes, thinking, now should I go
to the left. It's a little if the brakes go
out again, I can't go straight down. And I crept
around the corner and I'm starting. I said, okay, I'm
just going to go straight because the brakes are working,
and let off on the break and they did not work.
(07:26):
The next time I was pumping, I was reaching for James.
Speaker 2 (07:31):
Yes, so James, let's get to the the whole point
of the story. Did you get into an accident?
Speaker 9 (07:40):
Yes, I did.
Speaker 7 (07:42):
The brakes did not work down a hundred feet I turned,
I had to turn to the right.
Speaker 2 (07:49):
What did you crash into?
Speaker 7 (07:51):
I crashed into a pole, a fence pole that was
up three feet tall, just a medal and seamen and
it took off the It's a decoration on the side
of the hun day on the left side of the right.
Speaker 2 (08:07):
Now, James, James, James, I don't need to know any
more details. I need to know this.
Speaker 7 (08:12):
Yeah, and then I hate you. I did not jammise
the car other than break the headlight.
Speaker 3 (08:18):
There was no.
Speaker 2 (08:20):
Well, okay, okay, I understand James, James, what are you
calling about today, because no matter how it happened, you're
going to be responsible.
Speaker 7 (08:28):
Okay. So I got the brakes worked when I go
go up the hill about forty yards and the brakes
stopped me. And I go back and I call call Enterprise,
ran a car. They send me to their accident report,
which I gave an accident report and told them that
(08:52):
I would return the car tomorrow and get another one
because I just had this incident. And I ejected from
the trailer park that night by because of the accident
I caused.
Speaker 2 (09:07):
I was wait a minute, wait a minute, James, what
do you mean you got James, do you own your
trailer there?
Speaker 7 (09:15):
No, I was renting a trailer from a friend for
until April first, when she returned.
Speaker 2 (09:23):
Okay, so they kicked you out. They kicked you out
that night.
Speaker 7 (09:27):
Gave me a seven day notice, and I says, well,
it has to be at least thirty. I did not
get out until March first, and March first, I moved
to Barrego Springs into a trailer park.
Speaker 2 (09:44):
Well, where are we going with this? This is this
sounds like a whole a movie.
Speaker 7 (09:49):
I mean they are charging me to toe charge and
they charged me for the rental of the car and
the damage.
Speaker 2 (10:02):
All right, hold on, hold on and we'll come back.
Hold on, James, hold on, we'll come back to you.
I know why you're calling. Let's let's dissect this problem.
Three O three seven one three eight two five five.
We have more coming up on the Troubleshooter Show. Speaking
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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. Okay, Tom Martino here, Welcome to the show.
(11:07):
Three three seven well three Talks seven three e two
five five. So, James, I want to tell you, in
the pure sense of renting a car, I understand you
said the brakes went out, but let me explain some
of these You, in the pure sense of renting that car,
you are responsible for everything that happened to it. So
(11:28):
the fact that the brakes went out, I know this
sounds weird. It's not enterprise this problem. Do they agree
that the brakes are faulty or did they say there
was no problem with the brakes?
Speaker 7 (11:39):
They said there's no problem with the brakes, and that
that that's why they're charging me.
Speaker 2 (11:46):
Okay, Well they would charge you anyway, and you would
have to go to the menu. Listen. It would be
a terrible fight anyway if you had to do it.
But James, really you are And I know your sister
told you to call because you wanted me to help you.
But I have to tell you some facts. You are
responsible for a rental car. Even when somebody hits you.
You can go after the other party like you can
(12:07):
go after Hyundai. You can, but you are responsible to
Enterprise for all the damage to that car. You're also
responsible for loss of use of that car while they're
fixing it, so it can be pretty expensive. How much
do they want from you right now? Total?
Speaker 7 (12:26):
Well, discharge two hundred eleven dollars for the towing, which
I did not agree to.
Speaker 2 (12:33):
And I well, what were you going to do with
the car? If you didn't have the car towed, what
were you going to do with it?
Speaker 10 (12:38):
I was going to drive it back to and get a.
Speaker 2 (12:40):
New car, okay, But you didn't drive it back because
of the brakes.
Speaker 10 (12:47):
No, because they said we don't want you driving it
because of the brakes. And I said, I go, okay,
if you want to.
Speaker 7 (12:57):
Tow it, tow it, but I need a.
Speaker 2 (13:00):
Car, okay, okay, okay, So of all hold on, So
of all the charges, the only thing you're disputing is
the two fifty two dollars. Yeah, okay, So but you
agree that you are responsible for the damage to the car.
(13:21):
You just don't want to pay for the towing exactly, Okay,
you know what. So so when you called them, though,
and you said the brakes weren't working, what were they
supposed to do?
Speaker 7 (13:35):
They said they sent their inspectioned games to look at
the brakes and to look for budy.
Speaker 1 (13:41):
No.
Speaker 2 (13:41):
But what I mean is what James, You didn't want
them towing the car, but they towed the car anyway.
Speaker 10 (13:49):
It's the car that I could rely on.
Speaker 2 (13:53):
James, you told Enterprise when you called them about the accident.
You told them the brakes were not working. Right, So
what were they supposed to do? They had to tow it.
Oh and if they told let me explain this to you, James,
(14:14):
if they towed the car in and the brakes were faulty,
you would not have to pay for the toe. But
what they're saying is that they towed it in because
you told them the brakes were not working. But when
they got the car in their possession, the brakes were working.
This is going to be this is gonna be a
hard battle. I'll have someone call Enterprise for you to
(14:37):
see if they can do away with that charge that
two hundred and eleven? Uh Bo, Are you in the
studio today? Who's in the studio today?
Speaker 6 (14:45):
I'm both coming in in about fifteen minutes.
Speaker 2 (14:50):
Deputy Doc is working at home. Maybe Doc, maybe Doc
can call enterprise and see, here's the point. Look at
he's not disputing the whole thing. He's just disputing the
towing because he wanted to drive it in. Again. I
find that weird because he's the one that said it
wasn't working, and they I don't think I think they
(15:11):
would have been negligent had they had him drive it in.
But let's have Doc make a phone call to see
if we can get that charge waved. Jim, you have
a question about credit cards. What's going on? Jim? Welcome
to the show.
Speaker 3 (15:25):
Good morning, Tom came in.
Speaker 2 (15:28):
What's going on?
Speaker 7 (15:29):
Three?
Speaker 11 (15:30):
Three of our our credit card companies raised our interest
rate to thirty one percent with no oh my god,
and we're not late on any moment.
Speaker 3 (15:42):
We've always been paying on time. Is there any way.
Speaker 2 (15:45):
What the hell? Wait a minute, wait a minute. Did
they all do it? Did they all do it at
the same times?
Speaker 11 (15:51):
Jim, Yes, yeah, they all did it at the same time.
Speaker 2 (15:56):
It went from what to what?
Speaker 3 (16:00):
Twenty one to thirty one?
Speaker 2 (16:02):
Oh my god, thirty one percent? Thirty what?
Speaker 12 (16:13):
What?
Speaker 2 (16:13):
What reasons? What reason did they give you?
Speaker 11 (16:17):
They're not giving us any reason at all. That's what
I told the wife.
Speaker 3 (16:20):
Call them up and question them about it.
Speaker 2 (16:23):
But that all three they were three completely separate credit cards,
and they all did it.
Speaker 11 (16:30):
Right, Yes, and they were all up to date. No mispayments,
no nothing. They just did it.
Speaker 2 (16:38):
I don't get it either. And have you got an
answer from any of them?
Speaker 11 (16:44):
No, she's she sent out some emails. All three of
them were just waiting for something to get something back
because I'm worried that I would be because they just did.
Speaker 3 (16:53):
It, and they were just hoping you wouldn't question it.
Speaker 2 (16:58):
Did they? So they sent you a note in the notice?
Did it mention why it was being raised?
Speaker 1 (17:05):
No?
Speaker 11 (17:05):
It just showed up on the bills as the interest rate. No,
no notice, no nothing.
Speaker 2 (17:13):
But okay, when it showed up on the bill. Did
it say that it was raised, did it make any
mention of it, or it just showed up? Are you
sure it wasn't thirty one percent all the time?
Speaker 11 (17:26):
Now?
Speaker 7 (17:27):
How do you know it was down?
Speaker 1 (17:31):
Ahead?
Speaker 2 (17:32):
Could? Sometimes interest rates on credit cards sometimes it goes
with the balance on how many days of balance was outstanding?
Like did your balances change? Do you pay them off?
Tell me what's your credit? Like your credit usage?
Speaker 1 (17:49):
Our credit's really good.
Speaker 11 (17:51):
Those three we used them for model, you know, fixing
the cars or something like that. They were like emergency
credit cards and we haven't.
Speaker 2 (18:01):
Okay, but what are your balances? What are your balances
on those three cards? What are your balances on those
three cards combined?
Speaker 11 (18:09):
She has a couple of thousand on each one and
two is asking me about should we take out another
loan and pay them all off? And I told her,
I said, well, I'll you pay them off, cut them up,
you know, close the account.
Speaker 3 (18:26):
She said, if you close the account, you're credit rating
those deaths.
Speaker 2 (18:31):
That's true, that's true. But what you should do, and
I know this is crazy, is keep them alive, but
don't use them, because what happens is your percentage of
credit used also determines your interest rate. I have a feeling, Jim,
(18:52):
that all of this probably was disclosed to your original agreement.
And what they do is they monitor your credit usage
and different things like that, and that's where the rate
goes up and down according to what you're doing. Do
you have an idea of what your credit usage is?
For example, Jim, how much credit do you have altogether?
(19:12):
Like what I mean is if you wanted to take
and max out everything, how much do you have in
credit lines those three cards? What are the limits on
those cards?
Speaker 3 (19:23):
That is what I don't know yet. She just mentioned it.
Speaker 2 (19:26):
I think, Jim, Jim, I'm looking this up here, and
I think credit usage is the answer. You're going to
find is that your credit usage might have been unusually
high that month, and when your credit usage is high,
they raise the rates. How much total credit card debt
do you have total?
Speaker 7 (19:49):
I don't know.
Speaker 3 (19:50):
The life does it.
Speaker 11 (19:51):
She takes care of it. She just asked me a question.
And you know, I let her pay all the bills
and stuff, and I don't pay attention to it until
you brought this up.
Speaker 2 (20:00):
But I'm telling you, man, if you have any balances,
look into it. Yeah, well, let me know, call me back.
I need to know your total credit granted to you,
and then the total usage you have. And Jim, if
you have any money whatsoever, or maybe you get a
zero percent transfer card, get rid of that thirty one percent.
(20:23):
You know, And I tell people this all the time.
Thank you for calling Jim. Here's what I tell them.
When you have thirty one percent or twenty five percent
debt and you take a dollar out of the bank
and invest it, you're losing money. You take a dollar
out of the bank and you pay down high interest debt.
The very first thing when people come to Waive eight
Wealth Management with us, we try to eliminate their high
(20:43):
interest at because you should not even bother investing until
you pay off high interest debt. So when you have
thirty one percent, for example, credit balances thirty one percent,
you are losing that every month. If you pay that off,
it's like getting a thirty one percent return because you're
getting rid of it. So high interest debt you got
to get rid of before doing anything else. Jim, let
(21:06):
us know when you find out that information. God, I
just can't believe it. Credit cards are they're kind of crazy.
By the way. I didn't have hot water and something
was going wrong. You know, I called fix It, fix
it twenty four to seven. I did a I'm doing
a water heater flush and they're doing there's a pinhole
leak near a pump. They're fixing it today. But you
(21:28):
know what they do. For thirty nine bucks, They'll get
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the heat comes. Go with a sure thing Denver's best
(21:48):
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now three all three seven to seven to one help.
You'll think you're his only customer when you choose Frank
(22:09):
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 at three three
seven one three eight two five five. So here's the deal.
(22:33):
When you have credit cards there's all kinds of triggers
in your credit card agreements that allow them to raise
the rate. Credit usage is one of them. And also
the timeliness of payments, of course is won and all
kinds of stuff like that. Now there is a possibility
(22:54):
you can do a zero transfer balance and then you
get a courtesy time to pay it all off on
new cards. But you got to get rid of this
high interest det People have been using their credit card
as a second income almost and it's never going to work.
It is the road to financial ruination. So I have
(23:16):
Stephanie Thomas with us now. Even though she works in
the color of Springs area for Coldwell Bankers as a
real estate broker, she also has no real estate in general.
And I have a quick question for you, and this
is one that I asked Frank. And I'm going to
Frank durand the real estate Man dot com and I'm
going to ask you, what are the mistakes you see
(23:37):
when people list to home Because people wanting a lot
of people, they don't want to hire people to stage
and all of that, and they want to know is
that worth it? Because there are companies that offer to
come in like for fifteen hundred bucks until your house seals,
they'll stage it. Are Are they worth it? Wait? They are?
Speaker 6 (24:00):
I think so Wow, if you can get fifteen hundred
for the entirety of your listing, to me, that's great
because I have seen some staging bills for a month
or two, and fifteen hundred is in my opinion, a
good value from waking and voice wise.
Speaker 5 (24:14):
But here's the thing.
Speaker 6 (24:15):
One of the mistakes people make is they don't prep
their home for sale.
Speaker 2 (24:19):
You know, they just literally leave it the way it is.
Speaker 6 (24:22):
They will literally leave it like it is a lot
of times when you go in homes and you know
it's not depersonalized, it's not decluttered.
Speaker 2 (24:30):
You want to depersonalize it. You don't want a lot
of personal pictures up in order.
Speaker 6 (24:34):
Absolutely, you want your buyers to walk in the property
by themselves there, yes, exactly. So when they start seeing
pictures of you everywhere, all of a sudden, the buyers
start looking at.
Speaker 5 (24:43):
Oh, who lives here?
Speaker 6 (24:44):
Just natural curiosities, you know, and people tend to focus
on that kind of thing. Ultimately, they're not connecting with
the property. They're not identifying, Hey, that this could be
my home. It feels like you're walking through some much.
Speaker 2 (24:55):
Okay, so depersonalize it. Yeah, And isn't declutter a big deal?
Speaker 5 (25:00):
Absolutely? Decluttering is huge because most of us don't live
in our homes like they're show ready.
Speaker 2 (25:06):
You know.
Speaker 6 (25:06):
Most of us have to go in and do some
prepping and you have to think about, you know, actually
prepping it for photographs too. I go through this process
with all the homes that I list, and I talk
to people about. You know, we we want to make
sure that when we take a photo of a space
that people can actually see your home the wall. You know,
we want them to see some wall. We want it
(25:27):
to have still some personality and you know, to show well.
But we don't want people to see so much content
that they miss your home entirely.
Speaker 2 (25:35):
Okay, And I just got a text wanting to know
about vacant homes. Do you like vacant homes?
Speaker 5 (25:41):
You know, it depends me.
Speaker 6 (25:43):
When I do vacant homes personally, I do come in
and do what I call like a light stage, a
soft stage. I have some personal inventory that all go
through and do some of that, and it's just.
Speaker 5 (25:52):
Really adding accent touches.
Speaker 6 (25:54):
It's not a full house of furniture, you know, in
the primary suite area.
Speaker 5 (25:59):
You know, I'll put you know, a queen.
Speaker 6 (26:00):
Sized bed set up, white comforter, some fluffy pillows, you know,
maybe a couple pieces of artwork, you know, just some
things to kind of soft stage and give people some
idea of the space, you know, through the home. I
always all do fluffy toowls and bathrooms, you know, greenery,
things like that that give it a little bit of life,
but not overwhelming.
Speaker 2 (26:18):
What about interior paint do you ever do you ever
recommend that people go through and just repaint it.
Speaker 6 (26:24):
Absolutely depends if they have really dark colors. Absolutely, I'm
going to say, and you know, if they're willing to
do some things to prep it, I'm going to suggest
that we go through and kind of lighten that space up,
neutralize it.
Speaker 2 (26:37):
You know, you may have.
Speaker 6 (26:38):
A really large room and if you have really really
dark walls and real heavy like curtains you know, covering
your windows, all of a sudden, that space looks really dark.
It's not fighting space. Yeah, so anytime we can do
a few things like that to really just highlight the
features of your home.
Speaker 5 (26:57):
I absolutely real, But there.
Speaker 2 (26:58):
Are staging companies that I mean with furniture and everything. Yes,
there are and and a lot of them are worth
their weight, you know, I think.
Speaker 6 (27:07):
So, Like I said, I haven't experienced the fifteen hundred
dollars the kind of one.
Speaker 2 (27:12):
How much does it normally cost?
Speaker 5 (27:13):
The last house I worked with a stager on. We
we did a couple of.
Speaker 6 (27:18):
The main spaces. Now mind you, this was a very
large home, but we.
Speaker 2 (27:22):
Still just like how much what price range?
Speaker 5 (27:24):
This one was north of eight hundred?
Speaker 2 (27:26):
Okay, so what was it? What did the total staging cost.
Speaker 5 (27:29):
For two months? We were over four thousand, so holy crap.
Speaker 6 (27:35):
Yeah, and that was honestly just doing a couple of
main spaces.
Speaker 5 (27:39):
It wasn't even the entire house.
Speaker 2 (27:41):
So you're saying, yeah, so fifteen hundred sounds.
Speaker 6 (27:43):
Fifteen hundred sounds great, But ultimately you'd have to look
at what that entails. And I'm sure they've got some
type of timelines that they agree to leave their.
Speaker 2 (27:51):
You know, so people have to move their own stuff
out obviously when you have a stage or they don't
stage wing that. Yeah, do you ever have stages that
work with what's there?
Speaker 5 (28:00):
Ye?
Speaker 6 (28:00):
So some stages will come through and do a consultation right.
Speaker 2 (28:03):
If it's pretty and the good stuff.
Speaker 6 (28:04):
They just have to Yeah, we'll talk about moving things
a little bit. Let's take down a couple of these photos,
and that's a process. Honestly, I've set through so many
photo appointments at this point and listed enough properties in
my career that I have, you know, a pretty good
eye that I go through and do that process on Artwey.
Speaker 2 (28:20):
I think people in general have too much stuff in
their homes, absolutely, and John, I mean nothing wrong with that.
Speaker 6 (28:26):
None of us, none of us live in our homes
like they're ready to stell, you.
Speaker 5 (28:30):
Know pretty much.
Speaker 6 (28:31):
We would all need to do a few things to
our properties to really highlight the space for sale.
Speaker 2 (28:36):
I mean I've seen some play, Honest to god, I've
seen a place that was listed that you went in
the bathroom and the guy shaving stuff was still like
he didn't wash off his razor. I mean, it's on
the on the vanity and it's just I think to myself,
he just got ready for work. There were some dirty
clothes in a pile. I mean that's wasting money.
Speaker 6 (28:56):
Yeah, or wasting sink full of dishes or with people.
Sometimes people want to look inside the dishwasher. And I
can't tell you how many times I've walked through homes
that people use their dishwashers to like get everything off
the counter and get it ready for the showing. So
it's full of you know, food and different things like that.
And to me that personally, I'm like, oh, that that's
(29:17):
a little bit of a turn off because we really
can't see, you know, the interior of the dishwasher, because
some people that matters if it's a stainless steel interior,
things like that. So just a couple little things you
can do to keep your home show ready. But cleanliness
is honestly number one.
Speaker 2 (29:31):
All right, we got to.
Speaker 5 (29:32):
Keep your home clean.
Speaker 2 (29:33):
We we uh, we're talking about listing homes and we
can talk about anything you want as well. Three all
three seven one three talk seven one three eight two
five five. We got more coming right up. Go with
a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content on top
(29:56):
of it. Time for an insurance check up free, no obligation.
Compare and call Compass insurance paying too much your coverage
at dozens of insurance companies. Find out now three all
three seven seven one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two. Hi Tom
(30:21):
Martine here three O three seven to one three talk
seven one three eight two five five. So somebody asked
about financial snags young people get into. They said they
were having a conversation with their young person and they
(30:41):
wanted to know some of the financial pitfalls they get into.
Deputy d joins us. Deputy Doc. You can text me
from home and we got Stephanie here if you wanted
to take a stab at the number one thing mistakes
make as they're becoming adults in a young adulthood. I
(31:07):
listed the four top I should do five because people
always say five, and I don't have a fifth one
I could really think of. And I didn't want to
make it up, but I listed the top four problems
kids get into that lead to financial their first financial
bungle or hurdle or could ruin their credit for many
many years. What do you think the first one is.
Speaker 1 (31:30):
Getting credit?
Speaker 5 (31:31):
Using them?
Speaker 2 (31:32):
Okay, all your mics are on okay, go ahead.
Speaker 6 (31:34):
I think being advised to get credit cards but then
using them to their full extent of their limit.
Speaker 12 (31:40):
Oh yeah, I mean just credit cards.
Speaker 2 (31:42):
Credit cards best, right, credit card debt, because one, they're
so easy to get when they just turn eighteen, right,
and they don't understand that money has to be paid back.
And many of the young people look at it as
a monthly payment, not as a balance. If you look
at just the monthly payment, that's going to put you
in debt for twenty years, I mean literally, So you
(32:04):
have to really watch out for credit card and credit cards.
You know, if credit is a funny thing. It was
meant to be used for emergencies back in the day,
when the farmer didn't have his crop coming up, when
he wanted to the local source would extend credit and
they'd keep a ledger and then that ledger, you know,
you oweys this, so when the crop came in, he'd
(32:25):
go and pay his debt. But that was credit. And
then tavern started doing it for people that go in regularly.
They'd keep a tab and then people would pay off
their tab once a week or and these were in
mining towns when they're money, so credit was a convenience,
and also for emergencies like you have a transmission break
(32:46):
in your car, you have to put it on a
credit card. You don't have the money, that's what that's
the wise use of credit. And then you try to
pay it off as quickly as possible. Never carry a
balance you can't pay off in two or three months,
especially with carrying costs now, and the way to use
a credit card is to use it and then pay
it off monthly. No one does that, but credit card
debt is one of the biggest problems facing all Americans.
(33:10):
Credit debt is amazing. It's keeping people in servitude. Now,
I don't mean you know, you know what I'm saying.
What I mean is they have to keep paying off
these debt and eventually they have three or four cards
that are maxed out and all they're doing is making
monthly payments on it. They try to go get another card,
and many times they have good enough credit they can
(33:31):
get another card. Unfortunately, so they end up having so
many credit cards. I knew a young woman was turning
nineteen and she had eighteen credit cards. Wow, eighteen credit cards,
and then she went and got them maxed out and
was making monthly was making payments. She'd have product purses
(33:54):
and all of the credit, all of the high fashion stuff,
and she was treating credit cards as another person in
her household making money. And it doesn't make money. It
bleeds you. So credit card debt. What do you think
this one actually leads to our nation? And I can
(34:15):
do it in one word, or I can explain why.
What do you think the second major obstacle is in
a young person's financial life that causes could cause financial
run and has caused bankruptcies. Would you say student loans?
Student loans? No, it's not. Actually that might be my
(34:37):
number five. You might have given me the fifth, No,
the second one on the list. What do you think
jeopidy D Buying way too much car? Oh, Mike, it's transportation.
Now here's where they get into the problem. Not so
much buying too much car, but they do. But if
they just pay it off, here's where they get into
the problem. I call it the negative equity snowball. So
(35:00):
they buy a car, they pay too much, they're buried
in it and it's worth less than they owe. But
they have to get another one because this car's not lasting.
They go into the next one. And the negative goes
into it and it starts growing and growing. It leads
to financial disaster. We can talk about that and more
coming up. Get your calls in with any problems, questions,
(35:21):
or complaints. Have 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 check up free,
no obligation. In comparison, call Compass Insurance paying too much
(35:42):
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.
Speaker 1 (36:03):
Ripped of.
Speaker 5 (36:05):
News.
Speaker 12 (36:06):
You need advice so you.
Speaker 13 (36:08):
Don't have.
Speaker 9 (36:10):
Come running Just as nass as we can.
Speaker 2 (36:14):
Shooter's gonna help coming man. This is the Troubleshooter Show.
No Tom Martino, Hi Tom Martino here, Welcome to the show.
Three ozho three seven to one three talk seven one
three eight two five five. We've been talking about all
kinds of stuff today, by the way, with car rental coverage,
(36:36):
somebody asked, why would he be responsible for lack of use?
That is a loss to the rental company. And people
don't realize this, but even if your insurance covers the
actual car, it may not cover loss of use. You
could end up in big trouble with a lot of
money owed to that rental company. So make sure that
(36:57):
your coverage that you have on your own car extends
to rental cars. Most of them do now, but it
also must cover other consequential damages like loss of use.
So and it's extraordinary to think about right now in
today's world of shortages. To get parts takes a lot
(37:18):
of time, and that loss of use could be crazy. Anyway,
keep that in mind when it comes to insurance. And Stephanie,
you want to chime in, I do.
Speaker 6 (37:29):
I actually just turned in a rental car for an
accident that I had had, But my insurance company gave
me some advice before I turned it back in, and
they said to make sure when you turn that vehicle
back in they do the walkthrough to check for damage
at that point, and that you get some type of
receipt right there.
Speaker 2 (37:49):
It's all clear, Yes, because later on when it shows up,
it's hard to fight it exactly.
Speaker 5 (37:54):
And she said that that's a problem they've seen.
Speaker 2 (37:56):
So it is a problem, and I think some of
them do it illegitimately. And we found a company called
sixth I believe that's a new rental company. Sixth it's
six T or something or maybe find it Dmitri. But
we found them doing that a couple times. Now. Jay
has a comment on finances. I was mentioning the I
(38:19):
had four biggest mistakes. Stephanie gave me the fifth one.
What was that when the student loans? That absolutely is?
Absolutely is. But let's go for the top four that
I had before. Stephanie chimed in with that one. The
top problems that people have Number one credit cards, Number
two negative equity, snowball in cars, and anybody want to
(38:40):
take a shot at the third one. It's going to
be surprising. Now, these are my records, these are not
official records. These are people who call us for help.
Speaker 12 (38:50):
What do you think, Oh, so third bad financial suit.
Speaker 2 (38:54):
No, it's not necessarily bad. It's at they're financial. They
get into trouble when they're young adults.
Speaker 12 (39:00):
Yeah, so, based on my observations, with man.
Speaker 14 (39:03):
Any of my friends who I went to college getting
into way too much education.
Speaker 2 (39:09):
Oh okay, well that's what that's what she that's what
she said, And I put that on my list. That
wasn't on my original list. Something completely And they get
into student loan debt.
Speaker 14 (39:21):
And they with a youth of graduate degree and then
they find that Starbucks doesn't pay enough to pay off
the right.
Speaker 2 (39:29):
Yeah, they didn't become that professor, they thought, Jay, what
is your comment on finances.
Speaker 15 (39:36):
Tom, I'll tell you something I've seen ruin lots of
lives and ruined the kind of forever is O guy
gets behind on child support and the whole system is
designed to destroy them back. It's not designed to help
everybody get normalized. And so many people I try to
(39:57):
hire don't have a driver's license, can't get insurance, don't
have credit, can't do anything because child support payments are
back due and they can't do anything.
Speaker 12 (40:08):
And they can't get ahead.
Speaker 15 (40:09):
They can they.
Speaker 2 (40:10):
Can't dig themselves out. They can't dig themselves out. Friend
of mine, Yeah, but that's not okay. That wouldn't be
on my list of young people turning adults though that
I don't think that would catch up to them.
Speaker 15 (40:24):
Yeah, I spell eighteen. Seem to start when they're young,
and then they get sued and they don't have any money.
They don't have the kind of money to support a ship.
Speaker 2 (40:33):
I would say that might be young the young adults
in their twenties maybe or thirties. Yeah, but anyway, credit card,
thank you jay, credit credit card, debt, negative equity, snowball
for cars, the number three. Come on, people, Come on people,
it's so easy. It's so medical bills, they get sick,
(40:54):
they broke it arm, they break it arm, they do something,
and these kids don't realize they are in trouble quickly.
Medical bills and they don't make the payments, and they
let them sit there and it destroys their credit. Then
they start coming after him. They start garnishing wages. What
a lot of young people don't realize is with today's system,
(41:17):
until it changes, if you don't make a lot of money,
you can go on Medicaid. I mean really, Medicaid was
opened up to the masses when Obama did his Obamacare,
and no one's ever changed that yet. Do you know
Medicare is not even predicated on what you own? Do
you know there are people that own million dollar homes
that are on medicaid.
Speaker 14 (41:36):
Wow, is medicaid. I'm always confused. There's Medicare and Medicaid.
Medicaid for strictly older people, Medicare Medicare okay, and that's
not incomdependent.
Speaker 12 (41:49):
Medicare is well, No.
Speaker 2 (41:50):
Medicare is Medicare. You get Medicare no matter what you
can pay, and you pay the premium for B, Part A,
Part B, and then you get a supplement usually that
comes out of your payment. But in any case, Medicare
is different. Medicaid is a form of social services. It
used to be for only really people that need and
they extended the hell out of it during Obamacare, so
(42:10):
almost anyone who doesn't make enough money they can qualify
for Medicaid. And in fact, I've said there are people
a million dollar homes getting medicaid. Wow. It's only predicated
on income, not on equity, not on anything you own.
You could own a million dollar piece of art and
(42:31):
get medicaid. Now that's not so much. For the medicaid
that pays for nursing homes and assisted living, they would
make you sell off your stuff. But that's a different
category of Medicaid. The Medicaid for doctors and procedures and
surgeries is only income dependent. So if you're a young
(42:56):
person right now listening to me, apply for medicaid, doesn't matter.
If your parents are rich, doesn't matter. If you own
stuff and a car, you can get medicaid. That's what
it's made for right now. Now they might change all
of this, I don't know, but right now it's really
insurance for the masses. And then, of course then you
get into Affordable Care Act. They call it eligible plans,
(43:20):
which are not affordable at all, but that's what they
call it. So medical bills are number three on my list.
Number four is a very odd one. Number four is
a very odd one that I've gotten in my records here.
It is the result of a bad job. What is
(43:42):
a bad job? Kids get talked into selling knives or
doing some kind of kakammy job where they don't really
make money. They don't really they don't understand the job.
It's some kind of con In some cases, they pay
money to try to get this job and they're told
they're going to be a manager. I'm going to tell
you some of them were selling vacuum cleaners. Some of
(44:04):
them were different kinds of jobs like that. And I'll
never forget the rainbow vacuum they would sell for They
had to sell these vacuums for four thousand dollars, but
they went into debt on their own to get these,
to get their demo and stuff, and so much of this.
These bad jobs are getting kids to sign up and
(44:27):
pay for instruction and pay for materials and pay for
this and pay for that, and they're really not good
jobs at all. They're bad jobs. And then of course
I just put on my list student loans because there
are many kids that start school and they don't realize. Look,
if you flunk out, you're gonna owe that money. You're
gonna owe it right away. Now, if you go through
and you graduate, that's a different story. They'll give you
(44:48):
some time to pay. But it is a problem for kids.
Three ozho three seven one three eight two five five.
Somebody has a question here about for sale by owner. Now,
this person happens to be in Valdiz, North Carolina, and Stephanie,
you took a look at his listing so well, he
wants to know why he cannot even get an offer.
(45:10):
Did you look at that? You looked at it right
the listing.
Speaker 6 (45:13):
Yeah, I looked at his listing. The house looks like
a nice property. And I don't know anything about their
market there.
Speaker 2 (45:19):
No but but but if you looked at the listening itself.
Speaker 6 (45:21):
Ricing goes as far as like location, all of that.
I couldn't but the listing itself, the photos look nice.
Speaker 5 (45:29):
I mean looking through it. I watched his virtual tour
that he did, you know, walk through.
Speaker 6 (45:34):
I liked the still photos I think better than the
virtual personally, because I felt like.
Speaker 2 (45:38):
It might combine a pricing for that area.
Speaker 5 (45:40):
Yeah, very possibly.
Speaker 2 (45:42):
What is he asking for it? Three three ninety and
it's in North Carolina?
Speaker 6 (45:46):
It is, Yeah, And like I said, looking at it,
it looks like a nice property.
Speaker 5 (45:51):
I'm looking at it on Zillo. He sent us a
Zilo listing Facebook.
Speaker 7 (45:56):
You know.
Speaker 5 (45:56):
I looked at the little virtual tour that he had.
Like I said, the.
Speaker 6 (45:59):
Virtual tour from me felt like a little bit of
fast through this through some of those rooms.
Speaker 5 (46:05):
But that's personal preference.
Speaker 6 (46:06):
I would suggest that if he shot that on his
cell phone, you can definitely see a person walk through,
you know, with a some type of recording device you
can see the shadows in it.
Speaker 5 (46:15):
I would suggest.
Speaker 6 (46:16):
Maybe reshooting that and taking your time a little bit,
panning the rooms a little better, because I did you know.
Speaker 2 (46:23):
So many people do this for sale by owner because
they think they're going to save money. Absolutely, So I
looked up Valdiz, North Carolina. If you're listening, the average
home price is two twenty six four. It's a three
point six increase over the past year. It indicates that
the median sale is two thirty five, which is a
four point seven percent year over here. This has been
(46:46):
going up this. I don't know what this guy said.
It's a bad market. It's not a bad market, sir.
And in fact, as of March twenty twenty five, the
median price was two fifty three. And what he's he
asking for it, oh three nine? Oh oh oh. He's
definitely on the high end high for the area, oh
way high. So that seems to be what it is,
(47:09):
three ninety especially for that home. It doesn't look like
a very special home for three ninety now. It's pretty,
it's pretty, yeah it is. Yeah, But I sir, if
you're listening, and I know you texted us that, so
I know you're listening. Uh, I think you're I think
it's price price price, it really is. It's a price
(47:32):
price price anyway. Three oh three seven one three talks
seven one three A two five five. We have more
coming up on the Troubleshooter Show. And if you have
anything about real estate give us a call as well,
or anything on your mind. Someone lies you, cheated you,
or ripped you off. Let's hear about it. Go with
(47:57):
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 all three seven seven to
one help. You'll think you're his only customer when you
(48:19):
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, your troubleshooter
three O three seven one three eight two five five.
Let me get to you. Uh and uh, let's get
(48:42):
to the phones. And Uh. We have Mark who wants
to comment on the Medicare Medicaid. I told him that
I was talking about Medicaid being eligible that bursts based
on income alone. What do you have to say? Mark?
Speaker 16 (48:57):
My question would be, uh said there were qualifications were
basically just your income a lot, but you drive or
money in the bank or homeownership.
Speaker 2 (49:12):
Right, that's right, that's right. It's not judged on assets,
only on income.
Speaker 3 (49:19):
Okay.
Speaker 16 (49:20):
That's my question, Gee, is if you're already on Medicare
for you do lack of income with qualified for Medica,
what's the what we can't have to do to combine
those two?
Speaker 9 (49:36):
You know what?
Speaker 2 (49:37):
I believe, This is what I believe. But we're going
to call Integra Insurance and find out Mark. So hang on, Kaschina,
get Integra on. I believe when you're on Medicare and
you're really hurting, I believe Medicaid can be a supplement
for you. It takes the place of a supplement. But
I want to find out for sure. So please hang on, Mark,
(49:59):
Please excuse me? What?
Speaker 10 (50:00):
Dave?
Speaker 2 (50:01):
Yes?
Speaker 3 (50:02):
Well, go ahead.
Speaker 16 (50:03):
Could you ask the gentleman you're bringing on your specifically
what those income qualifications? Rather than to verify that you
the equity that you have is not a practice.
Speaker 2 (50:20):
I will In fact, you can hang on when he
comes on and talk to him yourself. Let's do that
as soon as possible. Okay, thank you, Dave on a hello,
Hi Dave. What's going on?
Speaker 9 (50:35):
Sir?
Speaker 3 (50:37):
I have a question. My daughter came to me and
she had special.
Speaker 1 (50:41):
Needs, and they has had special needs since he was
two years of age, and now she's twenty six, single
lady with a three year old child. The state of
Colorado had given her a back pay for fifteen thousand
dollars and she was going to use that for a
(51:04):
car and getting into an apartment for her and her daughter.
Somehow she got talked too, she said my friend, and
I don't quite believe all of her what she told us,
but he had stamped her out of her fifteen thousand
dollars by asking.
Speaker 2 (51:24):
Wait a minute, Wait a minute, Dave, Dave, wait a minute,
wait a minute, I will So what was the fifteen
thousand and four that your daughter god back.
Speaker 3 (51:33):
Pay that she did not get from the stink for Medicaid?
Speaker 2 (51:37):
So back wait, back disability payments? Yes, sir, what do
you mean back pay? What? Well, what do you mean
back pay? I don't even understand it. Go ahead? Back
pay sometimes for her benefits.
Speaker 1 (51:54):
For back to pay for some of her benefits she
had not received.
Speaker 2 (52:00):
Okay, so it's for disability payments of some kind. Well,
back to me pay? What do you mean they don't
get paid for.
Speaker 14 (52:08):
Being The wrong term? Back pay is if you get
fired for unjust reason, but that's not and then you
fight it, then they reward you what's called back pay.
Speaker 2 (52:19):
Dave, I understand that, David, But your daughter fired from
a job.
Speaker 1 (52:24):
No, sir, well, yes he was, but that wasn't I
don't I use the wrong terminology.
Speaker 12 (52:32):
I'm sorry, Yeah, but we understand what okay saying.
Speaker 2 (52:36):
So what you're saying is your daughter should have gotten
benefits earlier, and because she didn't, they gave her a settlement,
yes sir, yes, okay. Now, and what that settlement was
fifteen grand.
Speaker 1 (52:56):
Yes, sir, you're just shy at fifteen fifty bucks. But
that money was put into I thought she was capable
of managing that herself, so when she put.
Speaker 3 (53:11):
It in the bank, I wasn't kind of.
Speaker 2 (53:15):
Involved. So how did she lose How did she lose them?
How did she lose the money?
Speaker 1 (53:22):
He sisted that she she needed to give him money,
and the way he wanted to get the money.
Speaker 2 (53:30):
Well, well, hold on, hold on, Dave. A guy called
her up out of the blue.
Speaker 12 (53:35):
That somebody should knows somebody.
Speaker 1 (53:38):
She said it was somebody she knew from the past.
Speaker 2 (53:42):
Who that was?
Speaker 3 (53:43):
I wasn't gonna but did.
Speaker 2 (53:46):
How did he know, Dave? How did this guy know
she got money? Tom, I don't know.
Speaker 1 (53:53):
I asked that same question to my wife. I do
not know.
Speaker 2 (53:58):
So this guy from her past calls her up and
magically knows she has fifteen.
Speaker 1 (54:05):
Grand somehow, I think, So I.
Speaker 3 (54:08):
Wrote him.
Speaker 2 (54:10):
And what did he do?
Speaker 17 (54:13):
He harassed her, hounded her to go to Walmart and
withdraw and buy him the scratch card thanks for a
hundred bucks.
Speaker 2 (54:29):
Okay, listen, this was not a friend of hers. That's
what she's telling you. She didn't know this person from Adam.
So a guy talked her into buying.
Speaker 1 (54:38):
What these scratch cards from Walmart that are like a
gift card and to turn around and take a photograph
of the receipt for all the gift cards.
Speaker 2 (54:54):
Yeah, this is a classic. It's a classic scam. So
he basically, did she get rid of did she get
scammed out of her entire fifteen grand?
Speaker 3 (55:02):
Yes?
Speaker 2 (55:02):
Sir, do you understand David, let me just give you
the news right up front. There's nothing you can do
about it.
Speaker 1 (55:11):
Well, you know if I could have put the hammer,
you know what I heard about it. You're the first
person I thought whether.
Speaker 3 (55:18):
Or not there was a chance or not.
Speaker 2 (55:21):
I get well, there would be a chance. Hold on,
if this is truly a guy from her past and
she has a phone number, does find out does she
have contact information for this guy? I think she's lying
to you when she says she knew him. She didn't
know him. It was some kind of online scam. I
don't know how they knew she had money, or even
if they did know, but she got lured in by
(55:42):
some scam. When you say she has special needs? What
kind of special needs?
Speaker 3 (55:48):
Lower intelligence intelligence?
Speaker 2 (55:51):
Well when you say lower intelligence, I know a lot
of people who are lower intelligence and they don't have
special needs. So do you mean like a mental di say?
I mean tell me, I mean what is her IQ?
What is her what is her level? What age?
Speaker 1 (56:06):
She's twenty six? Does she her she's twenty six years
of age and her IQ lessons in the sixty mark
lower sixties.
Speaker 2 (56:23):
Oh, well, she's is mentally retarded? Is mentally retarded? Still
a term or am I going to get in trouble
for that term?
Speaker 12 (56:31):
IQ in the sixties is a severe what's the term?
Speaker 2 (56:34):
I mean? This woman should be doing business on her own.
Speaker 3 (56:41):
I don't have an answer for you, Tom.
Speaker 2 (56:45):
Dave, but I have a question for you, why why
don't you have guardianship of her?
Speaker 3 (56:53):
Because social services?
Speaker 1 (56:57):
I feel like she's high functioning and she comes off
that way, but when it comes down to the fact
of it, to be fair and honest, she doesn't have
that capability of sustaining for herself or taking care of.
Speaker 2 (57:16):
So she got rid of So wait did she go
through Did she go through her entire fifteen grand?
Speaker 1 (57:25):
Yes?
Speaker 3 (57:25):
Sir?
Speaker 2 (57:27):
Wait what was she supposed to? Wait?
Speaker 18 (57:29):
Wait?
Speaker 1 (57:29):
Wait?
Speaker 2 (57:29):
When he was asking Dave, Dave, when he was asking
for this money, what did he say it was for?
Did he say she would make money on it? Or
what was what was in it for her?
Speaker 1 (57:43):
Tom, I was lucky enough to get that much information.
Speaker 2 (57:47):
Out of her. Was okay?
Speaker 3 (57:49):
Keep for being truthful.
Speaker 1 (57:50):
And if I dug into her too far, I know
I would she would go the other way on me.
Speaker 2 (57:58):
So I was just trying to Yeah, I get it, well,
I got some bad news. I got some bad news
for you. I got some bad news for you. Unless
she can contact this guy and we can get the
authorities on him. Find out and let me know, really
find out and let me know if she can get
(58:18):
Call her and see if she has contact information for
this guy and call us back. I'm Tom Martinez. We
have more coming up on the Troubleshooter Show three O
three seven to one three talk. 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
(58:42):
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 customer when you
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three three nine two
zero sixteen twenty two. Hi Tom Martino here, three O
(59:09):
three seven one three Talk seven one three eight two
five five. So Mark had a very interesting question. I
told him that medicaid is income dependent, and when you're
on medicaid, you know that's your your coverage, like your
health insurance. And then he I said, when you're on Medicare,
can you he asked, can you have both Medicare and Medicaid?
(59:30):
So I'm asking Integrant Insurance are health insurance experts. John
Jones Junior's on the line, JJJ, Triple J. That's his
rap name, Triple J. Hey, so John, integratinsurance dot com. Uh,
did you tell me one time that when you're eligible
for both Medicaid kind of becomes your supplement to Medicare
(59:54):
or not?
Speaker 19 (59:55):
Again, I mean you can have both. You can be
eligible for both Medicare and Medicaid and they coordinate. So
there's also other options for you that open up when
you become or if you are eligible for both Medicare
and Medicaid, And so we explore those.
Speaker 2 (01:00:15):
Arts like what like there are like what other options
there there? Yeah?
Speaker 19 (01:00:20):
There there are plans that are designed specifically for those
who are Medicare Medicaid eligible that that that are out there.
So but yeah, no, absolutely, you can have both and
be eligible for both.
Speaker 2 (01:00:32):
Okay, okay, and it's all based on income, right, yes, sir, yes,
because a lot of people wonder and that would be yeah,
a lot of people. No, it's okay. A lot of
people say, why should someone be on medicaid if they
(01:00:52):
live in a million dollar house?
Speaker 19 (01:00:56):
Well, they they may take into account assets. But that's
that gets more specifically into the medicaid side of things.
Speaker 2 (01:01:04):
That the only time John, they take into consideration assets.
The only time they take assets into consideration is for
assisted living or nursing homes or stuff like that. For
regular medicaid for doctors. Right, yes, yeah, So it's important
(01:01:26):
to know that the regular Medicaid, for regular daily medicaid,
it's income dependent and a lot of people are eligible
that aren't even applying. So, John, when someone becomes eligible,
let's say, or not becomes they've been eligible but didn't
know about it, they racked up bills, and now they
(01:01:47):
go on Medicaid. Does it go retroactive at all?
Speaker 19 (01:01:51):
It can go retroactive. I believe three months. I believe
three months now two years, certainly, but it can go
when you when you do the application that ask about
medical bills for the last three months.
Speaker 2 (01:02:07):
Now you said to apply for Medicaid. You can do
it online or you can do it by phone. I
was helping someone the other day and we made a
phone call to that number and it says your wait
time is three point five hours. Three point five hours,
(01:02:28):
so they expect people to wait on the phone.
Speaker 19 (01:02:31):
If you can put it on hold and do some
other things because our experience is the Yeah, the wait
time is certainly longer than just doing it online, but
there's a at least based on our experience or the
higher percentage of that application being approved immediately versus having
to wait for approval.
Speaker 9 (01:02:52):
If if you were to do it.
Speaker 19 (01:02:53):
Online, you can take up to ivery think forty two
days to be approved.
Speaker 2 (01:02:58):
Oh and if you do it by phone, it can
be almost immediate, but you have to just wait on
those waight times.
Speaker 19 (01:03:05):
Yeah, and it can a still be approved almost immediately
if you do it electronicity, if you do it online.
It's just our experience has always been it's been a
lot higher percentage that has approved immediately, much more of okay, yeah, by.
Speaker 2 (01:03:19):
Calling the number now now Mark Mark was the one
with the original question about Medicare slash Medicaid, Mark, do
you have any questions for John Jones?
Speaker 16 (01:03:29):
Well, I just want to make just more understand that.
Speaker 1 (01:03:35):
There are no.
Speaker 16 (01:03:38):
Values established in terms of property owned, or vehicles owned
or money in the No no, no no, because I
went on the site of Medicaid Connect for Colorado and
(01:04:00):
there was a stipulation regarding to the value of your
car and I've not that a change or you couldn't
have a house.
Speaker 2 (01:04:07):
Okay, Mark, Mark knows, Mark having helped numerous people, Let
me explain this to you. They may want to know
about your house, they may want to know about your car,
but they do not use it to disqualify you from
regular medicaid. The only time Medicaid seeks your equity and
(01:04:28):
assets is when you are looking for assisted living or
nursing homes. Okay, Now it's called medicaid. I mean, there
aren't two kinds of Medicaid. There's one. But I assure
you when it comes to regular Medicaid, they don't care
about your house and cars. I don't know why, but
(01:04:52):
they don't. And all they care about is your income. Now,
if you were to apply for assisted living or a
nursing home, then they would make you sell off your assets.
Do I have that right, John?
Speaker 19 (01:05:11):
I mean there's the clawback, and there's certainly information about that.
When we give our clients information about how First Colorado,
that's included in there, and so I recommend that you
research that sum. As far as calling back assets, they.
Speaker 2 (01:05:27):
Don't clawback except for living. John, I went through this
time and time again. They do not clawback for normal
medical expenses. The only time they do that is when
you need either in resident residential rehabilitation, nursing homes or
assisted living. Then they go in and want to be
(01:05:49):
reimbursed regular doctors' visits and surgeries and regular procedures. I
have never heard of them ever once, not once going
after people's assets for that stuff ever, not once. So Mark,
you know, okay, are you eligible for Medicaid?
Speaker 16 (01:06:11):
Possibly?
Speaker 2 (01:06:14):
Okay? What is your income? What is your income right now?
Speaker 9 (01:06:19):
It's it's nonimal.
Speaker 2 (01:06:23):
Normal. Well, I think, hey, John, what is the what
is what is the qualification for someone uh to get
on medicaid? What is the income?
Speaker 19 (01:06:36):
Are you a single tax filer?
Speaker 2 (01:06:38):
Sir?
Speaker 8 (01:06:39):
Yes?
Speaker 1 (01:06:40):
Okay.
Speaker 19 (01:06:41):
Then if the income is at or below one thousand
or below five dollars a month?
Speaker 16 (01:06:49):
Okay?
Speaker 2 (01:06:50):
Okay? Is that net or gross?
Speaker 19 (01:06:55):
That's modified?
Speaker 2 (01:06:58):
Okay? Okay, So it's modified adjusted gross income under seventeen
hundred a month? Is that right?
Speaker 13 (01:07:05):
Okay?
Speaker 9 (01:07:05):
Yeah? Approximately one?
Speaker 2 (01:07:09):
And how is it adjustified? Yes, what that's the bottom line.
Speaker 3 (01:07:15):
How has it adjusted?
Speaker 2 (01:07:16):
John?
Speaker 19 (01:07:18):
Well, when it comes so modified, a justic gross income
can take into account types of income that are not
part of your adjustice gross. But this gets into the
CPA side where I have to say I'm not certified
on that. Okay, things you're gonna want to talk to
your CPA to make sure that you're modified. That you
understand you're modified astic gross income.
Speaker 2 (01:07:36):
Okay, all right, thank you very much. Now, by the way,
Integra Insurance, if you're looking for any kind of health
insurance three zho three four six six fifty five hundred.
That's zero three four sixty six fifty five hundred more
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Excel Roofing dot com. You don't pay a cent. Oh
you're content, wait top of it. Time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three all three, seven seven to one help.
You'll think you're his only customer. When you choose Frank
(01:08:17):
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, you're troubleshooter. Three oh
three seven one three talk three oh three seven one
three eight two five five. All Right, So we've learned
(01:08:38):
a lot about Medicare and medicaid and all of that.
Now we move on to a topic. I'm gonna go
back to Stephanie Thomas with his Stephanie by the way,
if you want to get in touch with her. Stephanie
R stands for real Estate stephaniear dot com. So, Stephanie,
you said you pulled some stats on what I did.
Speaker 6 (01:08:56):
So I pulled a few numbers from Colorado Springs that
I wanted to share because with our elevated days on
market and average days on market being higher, I guess
I just wanted to kind of give everyone some hope that.
Speaker 5 (01:09:08):
We're starting to see things pick up. We are starting
to see that.
Speaker 6 (01:09:11):
So in the last ninety days, we've had one thousand,
six hundred and seventy four homes that have sold in
the Colorado Springs market.
Speaker 5 (01:09:18):
This is a single family and also a multi family combined.
Speaker 6 (01:09:22):
So I'm just looking at current numbers currently under contract,
though in Colorado springs. I've got one and forty six,
so that is telling us that's more than the last
three months of solts combined. So the great news there
is we are seeing things pick up. So that means
it is still a strong time if you want to
list your home. It's still a great time to buy.
(01:09:45):
You know, with elevated days on market, we are still
able to negotiate strong.
Speaker 5 (01:09:48):
Deals current actives.
Speaker 6 (01:09:50):
I've got two eight hundred and forty nine, so we
have a fair amount of inventory, but we are still
technically on this historical life.
Speaker 2 (01:09:57):
Is there a hot price range?
Speaker 6 (01:10:00):
You know, I was kind of looking, I don't have
a lot of inventory under four hundred thousand in this
single family homes. Wow, So I would say anything you
know there that's still a helping You imagine.
Speaker 2 (01:10:11):
Not being able to find a home under four hundred.
Speaker 5 (01:10:14):
You know you can, It's just I don't have a ton.
Speaker 2 (01:10:17):
So if I go ahead, are they usually fix your
uppers or what when they're under four hundred?
Speaker 5 (01:10:21):
You know, I'm seeing the mix. I've got a buyer
shopping that right now.
Speaker 6 (01:10:25):
And we've seen a really strong mix of some really
nice renovated homes and then some that need some love.
But I just pulled single families under four hundred thousand
in Colorado Springs and I have two hundred and twenty seven.
Speaker 5 (01:10:36):
So it's not that they're not out there, there's just.
Speaker 2 (01:10:39):
Not a ton. What are some of the lowest price homes?
Tell me what a starter? The lowest price you can
think of that you've seen recently?
Speaker 5 (01:10:46):
Oh goodness.
Speaker 6 (01:10:47):
I mean there's some neighborhoods that I've seen, some in
the two hundreds, But every neighborhood like that's going to
have a gotcha.
Speaker 5 (01:10:52):
So we have and I'm actually listing a home.
Speaker 2 (01:10:55):
You know, what do you mean a gotcha?
Speaker 5 (01:10:56):
In this neighborhood?
Speaker 6 (01:10:58):
These homes look really, I would say, very nice compared
for the price point you know, two hundred to you know,
two fifty two sixty five. This particular neighborhood, though, is
what's called a leasehold, so you're purchasing the improvements on
the property, you're not purchasing the property itself, so you
have a large monthly leasehold payment on top of that
(01:11:20):
purchase price. The current leasehold payment for that particular neighborhood
is seven hundred and fifty dollars a month.
Speaker 2 (01:11:25):
So wow, wow, that's weird.
Speaker 5 (01:11:29):
The price is great. You have this additional payment, the.
Speaker 2 (01:11:32):
Additional payment for what though for the land.
Speaker 5 (01:11:34):
For the land rental of the land.
Speaker 2 (01:11:36):
It's you're renting the land. Is it a mobile homemans,
It's not a mobile.
Speaker 6 (01:11:41):
It's a modular so they're permanently affixed to the property.
Speaker 5 (01:11:44):
So you have to have this lease.
Speaker 2 (01:11:45):
But for home ownership it might be a way to
get into home ownership.
Speaker 6 (01:11:49):
It can, but that seven point fifty is tacked on
top monthly great payment, so you're qualifying.
Speaker 5 (01:11:56):
It's going to be a lot higher.
Speaker 2 (01:11:58):
We got more coming up on the Troubleshooter Show. Go
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You don't pay a cent until you're content. Time for
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(01:12:18):
companies find out now three oh three seven to seven
to one help. You'll think you're his only customer when
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to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two with news you need advice.
(01:12:41):
Who you don't have.
Speaker 20 (01:12:44):
Run anxious ass as you can show Shooter's gonna help.
Speaker 4 (01:12:49):
Come man, This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 2 (01:12:57):
Tom Martino here, Welcome to the show. Three all three
seven one three talkers our number seven one three A
two five five, Or you can call three oh three
Martino twenty four to seven and leave a message and
we will get back to you. Now. Do you know,
speaking of let's say real estate, we have Stephanie with
us today, Stephanie Thomas Stephanieri dot com. She's with Cold
(01:13:21):
Oil Bankers in Colorado springs By So friendly cities? Do
you know that a survey was done by America, but
it was done about America's friendliest cities. It's a survey
by a group called Yuzu. And what they do is
they provide information to Asians traveling in America and they
(01:13:45):
have a matrix they use to find the best and
most friendly cities. And real estate people have begun using
this for people who are making moves and they use
the friendly quotient. So what's the friendliest city in America?
According to you zoo? Take a guess. Okay, I'm going
(01:14:08):
to tell you something. If you can guess, I'm going
to give you a hundred dollars right now, the one
time you can't look it up right now, go on, guess,
one hundred dollars, Dmitri, go ahead, Hold on, brother, go ahead.
It's going to be somewhere in New Jersey. Okay, Eh, no,
seventy Thomas friendliest city in America. Don't you look at
my list?
Speaker 5 (01:14:26):
I can't read that far. I have no idea.
Speaker 2 (01:14:30):
Okay, Dragon, one hundred bucks, friendliest city and you wait, Dragon,
are you looking at it? Dragging? You lie?
Speaker 9 (01:14:35):
Oh?
Speaker 2 (01:14:35):
No, Dragon? Go ahead?
Speaker 1 (01:14:37):
Uh.
Speaker 2 (01:14:37):
Friendliest City Boulder, Oh Katchina Calori, the friendliest city, Salt
Lake City. Okay, Okay, I didn't not Yeah you looked
it up, you little creep. Now, and I didn't include you, bo,
(01:14:59):
so shut up. It's San Diego, Bo, you little you
googled it. I didn't do it.
Speaker 18 (01:15:06):
I don't have a kampruit here.
Speaker 2 (01:15:09):
Number two. Go get number two, and it's a trifecta,
not a trifectaymore anyway, Yeah, number two? Go ahead? What's
the number two? You say, San Diego is the friendliest city?
Number two? Raleigh, North Carolina? Yep. Number three Phoenix, Arizona,
number four, Miami Fort Lottery of my ass, Miami Fort Lauderdale.
(01:15:35):
I've been down there. That ain't friendly. I think Raleigh is.
I don't know about San Diego, Houston, number five, number six, Honolulu.
Then Boston, what are you kidding me? How can Boston, Cambridge,
Newton be on the top ten. They are the snobbiest
(01:15:55):
snobs of the snob snob snobs I've ever seen, and
I've been out there a lot. And then San Jose, Yes,
San Jose. They're just happy you come there because it's
such a rat city. Minneapolis, Saint Paul number nine and
number ten, number ten. What do you think, drum roll?
Speaker 7 (01:16:14):
Please?
Speaker 2 (01:16:14):
Number ten? Ready? Denver really the tenth most friendly city.
But I think Denver's way friendlier than Boston, way friendlier.
But anyway, that's for real estate. Actually, what do people
ask about when they ask for real estate? Sephanie?
Speaker 9 (01:16:36):
Really?
Speaker 2 (01:16:37):
What are they concerned about? Coming from another state? What
do they ask about? Because I mean they can pick
Denver or Color Roder Springs, Let's say they can pick anywhere.
What are they looking for? You know, a lot of.
Speaker 5 (01:16:45):
Times people are shopping things like school.
Speaker 2 (01:16:49):
Districts, Yeah, they have kids.
Speaker 5 (01:16:51):
Absolutely.
Speaker 6 (01:16:53):
We look at a lot of times vicinity to their
employment and that tends to be a huge determining factor
for people. Another thing, though, people will shop based on
their activities that they enjoy, so their hobbies. Some people
are going to shop based on you know, if they
like to mountain bike ride, they're going to be they
want to be close to some trail access.
Speaker 5 (01:17:12):
So there's some things like that that you know, people
definitely shop for.
Speaker 2 (01:17:16):
Do you know that Denver did not even make the
America's twenty Most Livable Cities America's top twenty.
Speaker 6 (01:17:25):
Colorado Springs tends to fare pretty well on some of
those independent studies, you know where it's a lot of
times voted one of the you know, top places to go.
And I think a lot of that is there's a
lot of amenity in Colorado Springs.
Speaker 5 (01:17:37):
You've got a lot of you know, the outdoors, the
beauty of like Garden of the Gods. You're so close
to Pike's people. Okay, now, people there.
Speaker 2 (01:17:44):
Okay, let's talk about this. This this one consumer group
again advising real estate people and rent people who are
looking to rent their homes out and also something called
the visual capitalists. They have come up with a chart
on the twenty most livable cities. Denver's not on that.
Denver's not on that, but Colorado Springs is.
Speaker 5 (01:18:06):
It doesn't surprise me.
Speaker 2 (01:18:07):
Yeah, Now Colorado Springs comes in comes in fourteen of
the top twenty. Number one they say is Portland. Number
two is Lincoln. I just don't understand. So anyway, Colorado
Springs is fourteen, but all been in New York beats
Colorado Springs. I don't get it. So this is most
livable and it's judged on seventeen matrix which include weather
(01:18:30):
and community and quality of life and all of that.
I often wonder about these surveys, I really do. I wonder,
you know, like San Francisco, for example, is number one
in quality of life on this survey, and it's under
when it comes to socioeconomics because it's so difficult to
(01:18:53):
live there economically, so you have different rings. For example,
for the actual community Des Moines, Iowa is number one.
Colorado Springs actually is right in the middle all on
all categories, whether it's socioeconomics, quality of life, and community.
(01:19:14):
Colorado Springs number fourteen, I say, in the middle, but
I'm saying in the middle when it comes to those
three categories. So anyway, are more people moving in or
moving out of the Springs?
Speaker 6 (01:19:28):
You know, I think the Springs has a lot of turnover,
really big part to the military bases that we have
around there, So we do get a lot of people
moving in and moving.
Speaker 5 (01:19:39):
Out for those reasons.
Speaker 6 (01:19:40):
For sure, we have a pretty you know, strong military
population in town.
Speaker 5 (01:19:46):
But I think people, you know, move in in general.
Speaker 6 (01:19:49):
It really just depends most I would say a lot
of times when I've got people who are moving out,
you know, some people are moving for political reasons.
Speaker 5 (01:19:58):
That's been fairly common the last real years. I've had
people that have moved for things like that.
Speaker 6 (01:20:03):
But a lot of times you've got people that are
moving because they're being PCSD somewhere, So that's not uncommon.
Speaker 2 (01:20:09):
Bruce, you have a problem with your Chevy. What's going on? Bruce?
Speaker 8 (01:20:16):
Hey, Tom, can hear me?
Speaker 2 (01:20:19):
Yes, sir, what's going on? Okay?
Speaker 8 (01:20:21):
My daughter's twenty fourteen Chevy Equinox. We got about one
hundred and thirty nine thousand miles on it, two point
four liter four cylinder. A couple of weeks ago, Buddy
and I we went ahead, replaced the balance chain, the
timing chain. We put a kid in, but it was
a balanced chain, the timing chain, the variable valve, timing sensors, solenoids,
(01:20:46):
a lot of pump We did the whole thing while
we're in there, and the car ran fine, ran real good,
no shaking, no nothing, And here lately.
Speaker 9 (01:20:57):
It's weird.
Speaker 8 (01:20:58):
It seems like it's a Monday morning problem. But it
sits over the weekend and she ticks out on the
interstate and it will shut her and die.
Speaker 3 (01:21:07):
It's like it's like it's losing fuel.
Speaker 2 (01:21:10):
But I don't know, Well, that sounds like a timing
issue to me, does it? So it runs okay when
you start it up.
Speaker 8 (01:21:20):
For the most part, Yeah, now here, the last couple
of days we've got like a miss, like a shake,
and we just put in new coils and plugs and
all that stuff right before we did all this timing
chain and balance chain. So I don't think it's a
coil pack. I'm not getting an injury code either. That's
the other problem. So to me, you're right, it leads
me to think that it's a DVT solnoid. But I
(01:21:43):
don't know if anybody else had the same issue. It's
like it's starving for gas. But I think it's a
timing issue. I don't think it's a fuel issue.
Speaker 2 (01:21:52):
All right, I want to get Kevin on. I want
to get one of our car experts on to talk
about this. So let me get it straight. Then it's
got one hundred and forty thousand miles correct, and it's
a twenty.
Speaker 12 (01:22:06):
Fourteen twenty thirteen equinus?
Speaker 2 (01:22:09):
Is it a thirteen thirteen?
Speaker 12 (01:22:11):
Okay, well, I'm so sorry I misfread that.
Speaker 2 (01:22:14):
It's a twenty fourteen with one hundred and forty thousand miles.
And the stuff that you changed all had to do
with timing.
Speaker 3 (01:22:21):
Yes, it all had to do with timing.
Speaker 8 (01:22:23):
It was a whole kit that we put in.
Speaker 2 (01:22:26):
And when you put this timing kit in and it ran,
it ran perfectly for a few days.
Speaker 8 (01:22:33):
Yeah, actually it ran perfect for probably a week, ten days.
It just starts showing up, probably a week ago.
Speaker 2 (01:22:41):
I don't get it. Why it would look so good
for a week and then and then stop. I agree,
And it started to shudder. So if you started it
up right now, how far can you drive it before
it starts acting up?
Speaker 8 (01:22:57):
Well, like now, it probably won't even happen at all,
but I will have a rough wow and uh okay.
Speaker 2 (01:23:05):
Here hold on, we definitely, we definitely got to get
our expert on, So hang on. I'm Tom Martino three
O three seven one three A two five five. By
the way, Frank durand the Realestateman dot com will do
a free market evaluation of your home if you want
to know what it will sell for but you don't
want to list quite yet. Don't worry, Frank will do it,
no obligation ever. Three oh three nine to zero sixteen
twenty two. Frank durand the real estate Man dot com
(01:23:33):
go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content
than time for an insurance check up free, no obligation
comparison call Compass Insurance. Pay 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
(01:23:54):
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,
I'm Tom Martino your troubleshooter three O three seven to
one to three talk seven one three eight two five five.
I have interesting situation here, and I have Kevin Caulkin
(01:24:15):
from Sheridan Auto Tech on are one of our car experts.
Uncle Kevin, I call him, and Bruce says, his daughter's car.
He put a timing kit in there, changed a bunch
of stuff in the in a twenty fourteen Chevy Equinox
with one hundred and forty thousand miles and including the
timing and all kinds of stuff. Bruce, just go over
(01:24:36):
with Kevin.
Speaker 3 (01:24:36):
What you put in, Tay, Kevin.
Speaker 8 (01:24:39):
So I went ahead and put a complete kit in.
I did the water pump, oil pump, front cover, I
did this, all thisprockets, all the guides, the whole complete kit.
I put it in and that came up the new
VVT sensors and VVT sprockets and boulders and everything so complete.
Speaker 2 (01:25:00):
And the timing belt right, tell me a belt it's
a chain, yeah, timing chain yeah, okay, I never know
whether it's a chain or belt.
Speaker 15 (01:25:08):
Yeah.
Speaker 3 (01:25:08):
And the balance chase okay.
Speaker 2 (01:25:11):
Now it ran perfectly for a week, then started to shudder.
What the hell's going on, Kevin. And now, so Bruce,
if you went out and started it right now, would
it be smooth?
Speaker 3 (01:25:24):
No, it it runs like it's got a miss.
Speaker 8 (01:25:26):
And right before I did this, I just put in
new spark, plugs, coils all that.
Speaker 7 (01:25:31):
I redid all that.
Speaker 3 (01:25:33):
So it's just got a slight miss. And I thought, well, maybe.
Speaker 8 (01:25:38):
It's because the air conditioner is running. So I heard
the air conditioner. I still have this slight miss. It's
a rough idol.
Speaker 18 (01:25:46):
Are you getting any codes it up in the zerial codes?
Speaker 2 (01:25:50):
Well, Kevin, it sounds like timing to me, right.
Speaker 18 (01:25:58):
Well, that's my first inclination. Yes, but I mean that
was they're pretty sensitive. But what a throne of correlation
code for the cam and the crank if the timing?
Speaker 2 (01:26:06):
So there's absolutely no code at all being thrown. You
you actually put something on that's on the on the
port to check the codes.
Speaker 8 (01:26:14):
Bruce, Yeah, absolutely I did, and I was not thrown
any codes. I do have one code right now. It's
for the catalytic converter. It's a downstream I think bank
two sensor one or something like that.
Speaker 2 (01:26:28):
And would that cause these problems? Kevin? No, I don't
think so I don't think so, uh, you don't even
so you don't have a good guess.
Speaker 18 (01:26:38):
Well, I mean I need to get a scanner hooked
up to it and look at data see if it's
it may not be counting enough misfires, but the scanner
can pick up on misfires. You know that the check
engine light won't set, you know, things like that. So
we need to look a little deeper into it. But
it's yeah, that's interesting because it's I would have thought
a timing code would have pumped.
Speaker 7 (01:26:59):
Well, we want to bring it by.
Speaker 18 (01:27:01):
We can plug in and see what it shows.
Speaker 9 (01:27:03):
That's not a big deal.
Speaker 2 (01:27:04):
That might be killing you ought to do that. Where
are you located, Bruce.
Speaker 1 (01:27:09):
San Antonio?
Speaker 2 (01:27:11):
You're in San Antonio? Oh my gosh, well welcome, by
the way. That's too bad, man. So if you start
out now, you'll get here tomorrow or the next day.
Speaker 8 (01:27:23):
Well here's here's the weird thing, Kevin. So this morning
I drove it to work just to seat. As she said,
I was acting up.
Speaker 3 (01:27:30):
And I left the house. I went, probably, I don't know,
a mile and.
Speaker 8 (01:27:35):
A half to get to the interstate.
Speaker 3 (01:27:36):
Car seemed run fine, still had that little rough idol.
Speaker 8 (01:27:39):
I got on the Interstate on the on ramp, I
started going down the Interstate, picking up speed once I
got up.
Speaker 3 (01:27:46):
To around and this is why I think it's a
timing issue.
Speaker 8 (01:27:49):
Once I got up around forty five fifty, getting up
to you know, speed sixty five seventy, it just stuttered, stutter, stuttered,
and started dying. I could start from fuel and to
the point where I rolled off to the rcase, I
thought I was going to stall out, and uh, I
picked my foot off the gas, put my foot back
into it, and then it worked itself out of it
and brand the rest of it work.
Speaker 13 (01:28:10):
Not a problem.
Speaker 2 (01:28:12):
Well, I can't believe, Kevin, I don't know, man like
you need to find someone that will. Yeah. I have
a suggestion for Kevin and Bruce.
Speaker 21 (01:28:20):
Is it possible that the electric fuel pump could be
losing rpm to deliver the fuel once you reach high speeds?
Speaker 7 (01:28:28):
Entirely possible?
Speaker 18 (01:28:29):
Yes, I think it's a field nothing to do with
any of it.
Speaker 2 (01:28:32):
Sure, but didn't he replace the fuel pump or was
it you? No, the oil pump and the water pump, right, yep, yep, right, okay,
but about yeah, you ought to look at maybe look
at the fuel pump. As both suggested, I gotta do
I have to take a break to dragging it or
did I do the fifteen? I did? Good? So let
(01:28:52):
me I have a couple of minutes here, all right,
So thank you. Kevin Caulkins shared an autotech dot com
three oh three four.
Speaker 9 (01:29:01):
Two.
Speaker 2 (01:29:01):
Hey David, what is your issue with telemarketers? David, Welcome
to the show.
Speaker 9 (01:29:07):
Yes, I'm getting about fifteen a day, one an hour whatever,
and I block every night.
Speaker 2 (01:29:13):
What are you kidding me? Did this just start?
Speaker 9 (01:29:18):
It started like last year before that I was getting nothing,
and then it's just over and over every I don't know,
every day.
Speaker 18 (01:29:29):
So I'm blocking now.
Speaker 2 (01:29:30):
This is on your cell phone, right And.
Speaker 9 (01:29:34):
I would say eighty percent of them are like Medicare,
and it's like I'm not even old enough for that.
I don't know, but they just I say, do not
call list everything I try. So I don't know if
anyone else has any ideas to get rid of them
or block them, or I don't know. I don't know
(01:29:54):
what to do.
Speaker 2 (01:29:55):
Well, you're you're doing everything you went on the no
call list, right, Well, I tell.
Speaker 9 (01:30:01):
Them individually when they call no call list and.
Speaker 2 (01:30:05):
No no, no, no, no, no, no no. You've got
to actually go to a no call list and put
your number on it. Go ahead, So hey David, go ahead.
Speaker 14 (01:30:15):
But there are actually two lists that you need to
get on, and most telemarketers really do scrub their database
against these two lists. One of them is the Federal
Do Not Call Registry and the second one is the
Colorado Do Not Call List, And once you enter your
phone numbers into both of those databases, it takes thirty
(01:30:36):
days to become effective. But I can tell you that
most telemarketers it really does work.
Speaker 2 (01:30:41):
They do scrub.
Speaker 14 (01:30:43):
It's not going to get rid of all of the
spam you're getting, but it will get rid of a
lot of that spam. Because the penalties, the civil penalties
are so severe for violations of these lists that most
s tele marketers really do use the scrubbing feature that
the FCC offers.
Speaker 9 (01:30:59):
Okay, why even too, because half of them are just
at the beginning of computer anyway, but they will still
follow that.
Speaker 2 (01:31:05):
It would still apply.
Speaker 12 (01:31:07):
Yeah, it's the phone number. It's your phone number that's
going to get scrubbed. Is your number? Are you using
it for a business? Is it on a website? Or anything.
Are you advertising?
Speaker 2 (01:31:16):
In other words, how are people getting your number?
Speaker 9 (01:31:19):
I don't know, Yeah, I don't you know.
Speaker 2 (01:31:23):
Listen, I'll tell you what we do all kinds of stuff.
We download apps, we go to other sites, we get cookies,
and there's so many different ways people can get your
number and then start harassing you, so many different ways.
But do the actual no call list and that should
help you. I'm Tom Martine. We have more coming up
on the Troubleshooter show. Kinage Home Solutions now with k
(01:31:46):
and Age Painter Pros as well so windows, siding, doors
and more including painting. Kang has what you're looking for
Kwindows dot com. Go with a sure thing Denver's best
roofer Excelroofing dot com. You don't pay a cent until
you're contenth time for an insurance check up free, no obligation.
(01:32:11):
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two. Hi
(01:32:32):
Tom Martine here, Welcome to the show. Three oh three
seven on three talks seven on three A two five five.
All right, we have some breathing room here. We're gonna
take Stephanie Thomas from Coldwell Banker in Colorado Springs. Somebody
wants to know what that we danced all around at
talking about for sale by owner and they want to know. Basically,
they said, what exactly do you pay to have your
(01:32:54):
home sold?
Speaker 16 (01:32:55):
So?
Speaker 2 (01:32:55):
What are the commission structures right now that you normally
see the market unfortually?
Speaker 5 (01:33:03):
There's not a normal. There's not a normal. There's not
anything set in stone, right.
Speaker 2 (01:33:08):
Is there a conventional?
Speaker 18 (01:33:10):
No?
Speaker 1 (01:33:10):
IM?
Speaker 5 (01:33:10):
And I think that's a subject way.
Speaker 2 (01:33:12):
So when you go to list a home, or you
go to buy a home for someone, you negotiate it
right there.
Speaker 5 (01:33:16):
You can negotiate with that individual agent.
Speaker 6 (01:33:19):
I think I have to be fairly careful here in
giving any type of industry average anything like that, because
of those you know, past lowsuits.
Speaker 2 (01:33:27):
Those lawsuits said you're not allowed to all do something together.
Speaker 5 (01:33:31):
We can't.
Speaker 6 (01:33:31):
But I don't even think we're allowed to publicly talk
about numbers or averages or I think that's so.
Speaker 2 (01:33:36):
Really, but but well, let's put it this way, because
I'm just curious. Is it safe to say they're going
to pay at least five percent when they sell their house.
Speaker 6 (01:33:46):
It really depends, honestly, they really need to talk with
an individual.
Speaker 2 (01:33:50):
Everything's negotiable.
Speaker 5 (01:33:51):
Everything's negotiable.
Speaker 2 (01:33:53):
So I can have someone list my home. I can
have someone list my home and say I'm not going
to pay a penny more than four percent, and then
that broker and say, well, then find someone else.
Speaker 5 (01:34:02):
Absolutely they can. And here's the thing. We all have
our own individual.
Speaker 6 (01:34:05):
Marketing that we do. We have those costs that we
account for. Of course, the commission structure that we agree
to work for. Our contract actually recently came out and changed,
you know with Coldwell Banker Are I know, our attorneys
made some edits for us where it goes in and
addresses because in Colorado, the listing contract previously had an
(01:34:27):
x percentage and then it went into define out after
that in the event that a buyer's agent brought a buyer,
we would then give X percent of that percentage that
was agreed upon and that co op compensation we can,
but it's a little bit different. So Now the contract
stipulates and says the listing agent or listing company is
(01:34:48):
working for x percent. Okay, you as the seller are
agreeing to a different percentage completely for the a buyer's agent.
If you're doing that, Coldwell Banker actually has kind of
taken that verbage out about on our contracts where it's
now a separate document that says, hey, you're advertising x percent.
(01:35:11):
You're giving us permission to advertise, you're offering buyer compensation
of x percent. So it's really just some housekeeping items
on how they're defining that differences out. So before, for instance,
if you had a four percent or five percent or
six percent or whatever, that looked like whatever you agreed
upon and then it was split x and X.
Speaker 5 (01:35:29):
Now it's like you've got one percentage and you have
another percentage.
Speaker 2 (01:35:34):
Really now it is defined so it's differently. And then negotiation.
Speaker 5 (01:35:38):
Absolutely, so your listing percentage, of course would be between
the listing agent and the seller.
Speaker 2 (01:35:44):
That's could the listing agents say I'm not paying I'm
not paying the buyer broker you absolutely they can, really, yes,
that's always been something that's been you know, the goal.
If the listing agent says we're not going to pay
a buying broker, then the buying broker would have to
get that money from their clients.
Speaker 6 (01:36:00):
Absolutely, and that happens that That's always been in our
contract as well, the buyer's agency contract. There is a
section in there that defines out and you say, if
I can't get a share, and how that how that
gets paid?
Speaker 2 (01:36:13):
It either gets paid by the seller, of the seller refuses,
then you agree to pay it.
Speaker 5 (01:36:16):
Correct.
Speaker 2 (01:36:17):
Yes, this is all very interesting.
Speaker 5 (01:36:19):
That's been in our contract as long as I've been
an agent.
Speaker 2 (01:36:22):
So what was the lawsuit about?
Speaker 1 (01:36:23):
Really?
Speaker 6 (01:36:25):
The lawsuit actually started in a different state, you know,
and it became a national lawsuit and everyone kind of
got in there together.
Speaker 2 (01:36:33):
Was what was the main of it?
Speaker 5 (01:36:37):
Actually commissions.
Speaker 2 (01:36:38):
You can't have a fixed commission.
Speaker 5 (01:36:40):
There was some accusations of that.
Speaker 6 (01:36:41):
I believe it started in another state where an individual
was told they couldn't change commissions.
Speaker 5 (01:36:48):
I you know, I was just kind of going back
on some of the reports that we've got.
Speaker 2 (01:36:51):
Commissions basically now are totally negotiable.
Speaker 1 (01:36:54):
That's just it.
Speaker 3 (01:36:55):
Really.
Speaker 2 (01:36:56):
Then, I don't understand that there's always.
Speaker 6 (01:36:58):
An industry average, you know, with any industry, not just
real estate commissions. But with any industry, you've got an
averaging an average pricing to be competitive to the market.
So that's I don't know that that's necessarily gone away.
I think there's still averages. But what this did is
not all states had buyers agency contracts, so that has
(01:37:18):
now come into play. Colorado's had buyers agency contracts, like
I said, as long as I've been an agent.
Speaker 2 (01:37:23):
So now that did not have buyer's agencies.
Speaker 6 (01:37:28):
They didn't have the contracts. They had buyers agents, but
the contract was a little bit different. So we have
the buyer's agency contracts in Colorado's, so we've kind of
been a little bit ahead of the game. The other
piece of that is here, Yeah, we no longer are
advertising any type of buyer's compensation commission on the MLS.
(01:37:48):
So the idea there is you can't show, you know,
you can't see what's going to be offered at that
point you're negotiating, and then that's going to be between
you and your buyer, whatever you've agreed to with your buyer,
got it.
Speaker 2 (01:38:02):
All, right, Well, that's very very interesting how that's all changed.
But you're saying it's always been negotiable. I just think
that there needed to be clarification because I always assumed
it's a certain amount period and you pay it or
you don't, or you don't get somebody to work for you. Ernie,
what's going on with you? You had a question about taxes? Hello, Ernie,
(01:38:28):
I'm here, go ahead, Ernie.
Speaker 13 (01:38:30):
All right, I'm considered blind right now and my taxes
are going to be fouled. Do I have to pay?
Is there any exclusions? Are blind people? As far as there.
Speaker 2 (01:38:44):
Used to be, there actually used to be. And I'm
not sure if that's still that way. I don't know
if there's a special exclusion for the blind. We can
look that up though for you and find out. Hold On,
let me just ask ai here, Okay, hold on, all right,
(01:39:08):
hold on, I'm asking it right now, right now. Let's
see what they what says I said? Is there a
special concerting of tax Let's see. Yes, individuals who are
legally blind are eligible for specific tax benefits on federal
and state levels. Legally blind taxpayers can claim an additional
standard deduction on their federal income tax return. So are
(01:39:32):
you filing single? Yes, sir, you get an additional nineteen
and fifty dollars as a deduction. But you you really
need to talk to an expert. You don't do your
own taxes, do you, Ernie?
Speaker 13 (01:39:49):
No, No, I don't. I just wondered sex increase quite
a bit when let's start taking that minimum retirement.
Speaker 2 (01:39:59):
I mean, oh, how old are you right now? How
old are you right now?
Speaker 18 (01:40:04):
May eight?
Speaker 2 (01:40:06):
Well, that minimum that minimum distribution happened way back when
you were seventy two.
Speaker 13 (01:40:13):
Yeah, it continues right or right through you know. True,
I don't know how.
Speaker 2 (01:40:18):
So you're saying your tax rate. You're saying your tax
rate went up.
Speaker 13 (01:40:22):
Yeah, well I guess I ain't coming up because they're
taken four dollars a month they send to me, and
that's considered income.
Speaker 2 (01:40:31):
No, of course, that's your minimum distribution. I got it.
So you must have some retirement put away.
Speaker 4 (01:40:38):
I have.
Speaker 13 (01:40:39):
Yeah, I had a couple of dollars put in plan.
Speaker 2 (01:40:43):
Okay, okay, wow right, so Ernie, so Ernie, okay, So
basically it is you know, all I can say is
it is what it is when it comes to that,
and you do get an extra federal deduction and some
other deductions, but go to an act tax expert, uh
(01:41:05):
and find out more. Okay, because we can't give you
specific tax. If you had a specific question, we can
get it for you. We have more coming up on
the Troubleshooter Show three O three seven to one three
Talk seven one three eight two five five. Go with
a sure thing Denver's Best roofer Excel Roofing dot com.
(01:41:26):
You don't pay a cent until you're content. Please time
for an insurance check up free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one. Help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
(01:41:46):
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.
Speaker 5 (01:41:58):
I think it's just more clear.
Speaker 2 (01:42:00):
Hi, Tom Martinez here at three zero three seven to
one to three talk seven one three eight two five five.
All right. I have a text here that says, Tom,
what is your motive? Are you subliminally suggesting a lot
of medicaid fraud by people who are living in expensive homes?
I don't think that's the case. I don't think anyone
(01:42:22):
with any means is going to choose to be covered
under Medicaid versus some other health insurance, including Medicare. Care
under Medicaid is generally pretty sucky, like way substandard. Okay,
let me address this first when I said Medicare is
now income based, meaning a lot of older people and
(01:42:43):
a lot of people on fixed incomes might have a
house that's completely paid for, but they don't have much income,
they are eligible for Medicare or Medicaid. So Medicaid is
available to people who make less than seventy as a
single taxpayer seventeen hundred dollars a month of gross income
of adjusted gross income. If you make more than that,
(01:43:05):
you're not eligible. If you make less than that, you
are eligible. So here's the bottom line.
Speaker 6 (01:43:11):
You have to.
Speaker 2 (01:43:15):
Apply on income alone. Is it true that Medicaid has
pretty sucky service, Absolutely positively.
Speaker 6 (01:43:26):
No.
Speaker 2 (01:43:27):
In fact, Medicaid offers some of the best providers and
some of the best healthcare in the system period. And
I know that because I know people who do Medicaid
and they say that the service and the quality of
care is better than they've ever had in their entire life.
(01:43:48):
So that is truly truly misunderstood Medicaid does not mean substandard,
absolutely positively does not. I am not suggesting medicare fraud
or medicaid fraud. It is not medicaid fraud. If you qualify,
you qualify. It doesn't matter if you have an airplane
(01:44:10):
or a house, or a boat or a yacht, or
doesn't matter. It matters income period income when it comes
to regular medicaid. So there, and I'm not suggesting it's
fraudulent at all. That's the system and people have a
right to take advantage of the system. Now, this one
(01:44:31):
guy who had a home. Where did he say he was?
He was in North Carolina, Valdiz, North Carolina. Said he
had sold houses on his own. He was having trouble
selling this one. And I said, I think you're asking
a little too much for the average price in that market,
because we looked up the average price and it was
around two eighty and he was asking three ninety, right, Okay,
(01:44:53):
So we wondered, why isn't it selling. It's probably priced.
And what he said was I fixed up the house.
Most of the those houses selling for cheaper need a
lot of the upgrades I already did. So that is
a cautionary tale. Maybe if you have a neighborhood where
houses are selling, let's say for three hundred, and the
(01:45:15):
average home is like three hundred, and they need a
lot of work, and you do all the work, and
now you're going to sell for three eighty five or
four twenty. Is that wise? You know?
Speaker 6 (01:45:26):
It's it's the rule of thumb is it's always hard
to be the most expensive home in the area because
ultimately it's harder to find comparable sales when determining value.
Speaker 2 (01:45:36):
So it's better to low price in the neighborhood.
Speaker 11 (01:45:39):
You know.
Speaker 2 (01:45:39):
Yeah, I if maybe he's justify did he make a
mistake by fixing up that house too much?
Speaker 5 (01:45:46):
He may have over improved it. That's the possibility.
Speaker 6 (01:45:50):
What will happen is they the appraiser, may be able
to extend the area a little bit as long as
they stay in a like neighborhood. You know, they do
have things they won't go outside of, you know, crossing
major roads or you know, things like that, changing neighborhood
type to find a home to justify it. But if
they can't find something that justifies that comprey, yeah, they
can make some adjustments. My suggestion to this gentleman would
(01:46:12):
be to get an independent appraisal and just get you
know that, get to load down.
Speaker 2 (01:46:16):
What is it worth, what is it worth? What they
do you might have over improved it, sir. So here's
the bottom line. If you're going into a neighborhood and
you want to improve your house to sell it, don't
improve it too much. Because some people would rather have
the affordability of a home than new windows. They might think,
I can buy this house and live in it at least,
and I'll get new windows someday. Sure, And there are
(01:46:38):
certain and you can always make a concession after you
get the contract. Yeah, you can definitely, you know, put
it in the contract.
Speaker 6 (01:46:44):
You're in inspections and things like that. But you know,
one thing, you just want to be cautious not to
do that. Or I had a you know, a transaction
where the property was so overimproved and we had that
were renovated comps and this one, you know, was just
(01:47:05):
so much higher improved that they came in, you know.
Speaker 5 (01:47:08):
Really over the top in pricing and there was no
justification for it.
Speaker 6 (01:47:12):
So they pulled comps from different towns in the same uh,
in the same county, And.
Speaker 5 (01:47:17):
That's not really going to work.
Speaker 6 (01:47:19):
I think you need to hyper focus on your location
and make sure you're good to the location.
Speaker 2 (01:47:24):
All right three oh three seven one three talk seven
one three eight two five five. This is the Troubleshooter
Show where solving problems, answering questions, taking complace. Sketch your
calls in for anything you need, or you can text
me at seven four seven nine nine nine fifty two
eighty seven four seven nine nine nine fifty two eighty
or on the iHeart short code five seven seven three
(01:47:46):
nine put Tom there, go with a sure thing Denver's
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(01:48:08):
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.
Speaker 5 (01:48:19):
Yeah, ripped of.
Speaker 6 (01:48:26):
News.
Speaker 5 (01:48:27):
You needed that so you don't have a.
Speaker 2 (01:48:31):
Camun anxious as fast as we can.
Speaker 12 (01:48:35):
Shooter's gonna help.
Speaker 4 (01:48:36):
Come man, This is the Troubleshooter Show now, Tom Martinez, Hello, Hello, and.
Speaker 21 (01:48:45):
Welcome to the fourth hour of the longest standing consumer
advocate show in the world. For over forty five years,
the Troubleshooter Show has been solving your problems and complaints.
In addition to over three hundred and fifty million dollars covered,
the Troubleshooter has actually saved our audience millions of dollars
(01:49:05):
and avoiding costly mistakes by simply listening to our show
on a daily basis. I am Deputy Bo along with
Deputy Dimitri and special guests real estate expert Stephanie Thomas.
Speaker 2 (01:49:20):
We have three lines open right now, so give us
a call at.
Speaker 21 (01:49:23):
Three oh three seven, one, three eight, two five five
or three oh three. Martino, the founder of the Troubleshooter Show,
Mister Tom Martino is here now.
Speaker 2 (01:49:34):
All right, bo, Okay, you know what I'm gonna do. Ah,
that's a good open, good open. Thank you so much.
That's a hard act to follow. So what we're doing
today is uh trying to solve your problems. And I
have some texts I want to get to I told
you you could text me at three zero three excuse me,
seven four seven nine nine nine fifty two eighty And
(01:49:57):
I got this link and I'm not sure what it said.
It says realtor something something, and it is about the
do's and dones of listing homes and all that. Do
you do social media like that's Stephanie, I.
Speaker 5 (01:50:12):
Don't you know.
Speaker 6 (01:50:13):
I use social media to get a good audience for
my listings, to you know, give buzz for open houses
things like that, But I don't do all the little
videos and you know, things that you see some of
the agents doing on TikTok.
Speaker 2 (01:50:29):
Yeah, there's so many ages on TikTok or on Instagram
or on YouTube trying to give advice. Okay, So somebody
wants to know what's the hardest kind of house to sell? Okay,
I don't even know what that means. What do they
mean by that? What's the hardest? What would like like
a single family, one bedroom? There are no bunvit.
Speaker 6 (01:50:47):
I think the hardest home to sell something that's really
informing to the area. So, for instance, if you have,
you know, a home that is eight thousand square feet
overbuilt for the area, surrounded by homes that are typical,
you know, say twenty five hundred square foot, you know,
just giving some examples.
Speaker 5 (01:51:08):
That home is overbuilt for that area, so it's going
to stick out.
Speaker 6 (01:51:11):
I do think that's going to be a harder sell
because most of the homes in that area, you know,
and just giving random offhands, it might be four hundred
thousand when you look at this other home being so
much larger, so much more substantial, you know, potentially valued it,
say over a million, and then you've got a million.
Speaker 5 (01:51:30):
Surrounded by homes that just are completely different.
Speaker 2 (01:51:33):
So you don't want to have the most expensive home. Also,
you want to be conforming. I know a woman one
time who built a log cabin in Denver. In Denver,
she couldn't sell it. She wondered, why who's going to
buy a log cabin in Denver in a regular neighborhood.
Speaker 20 (01:51:47):
Yeah.
Speaker 6 (01:51:47):
I think that's what gets really hard because areas, you know,
in neighborhoods and things, you know, your buyers are looking
in those areas for amenities. So unless you have that
one off buyer that just happens to fall in love
with it right and has the means to facilitate that purchase.
You know, it kind of goes into what we were
talking about with you know, the gentleman that potentially overimproved
that property, that has a home that's going to be
(01:52:08):
so much more expensive than the others around it. You know,
it just becomes a difficult position.
Speaker 2 (01:52:13):
Of course. Now there's another one, find the value too.
There's another one. I think people severely limit themselves when
they do Frank Lloyd wrong or Frank Lloyd right. You
know these modern looking boxes with steel and grays and glass.
H I mean, now there might be people listening, but
we call them modern, which is funny because they look
(01:52:34):
the same. In nineteen sixty we used to call a modern.
We still call a modern because no one's ever caught
up with it. But there was always a concept by
Frank Lloyd Wright of what houses would look like. And
they look like alien spaceships, or they look like dental
offices or something, and then they become a home. And
I jokingly call it Frank Lloyd wrong. Now that's one
(01:52:55):
of the most Frank Lloyd Wright was one of the
most prolific successful architects in the world. But Frank Lloyd Wrong.
Homes in a neighborhood you have conventional beautiful brick homes,
Stuckleholmes beautiful homes. Then you have this thing that looks
like a library or or an office at NASA. You
know that with steel and glass and square. Have you
(01:53:19):
seen those? I've seen some of those, and you know
you got to find the special buyer for that you do.
Speaker 6 (01:53:24):
And I think a really good rule of thumb is
whenever you are doing any type of improvement to your
home you want and you're doing it with the intent
to sell, you know, you want to do it so
that you are going to appeal to the masses and
not just a specific amount, you know, a smaller amount
of potential buyers. You know, anytime you overly specific do
(01:53:47):
something like that, whether it's super ultra modern or you know,
maybe you take out all your bedrooms and create one
giant suite because that facilitates your need. Well, what you've
done is you've taken you limited your buyers, limitted your buyers.
Anytime you limit your buyers like that, your financial gain
is potentially limited as well.
Speaker 2 (01:54:06):
And that goes for like neighborhoods on golf courses and everything.
Golf courses might be the most beautiful thing in the world,
but there are some people won't pay for it.
Speaker 6 (01:54:13):
Absolutely, you've got that specific buyer looking for that that's
going to go in and of course.
Speaker 2 (01:54:17):
Justine and then like in Florida, you have communities with
docks with swimming pools, you have airport communities in Florida,
a lot. You have a couple here in Colorado, which
is the most dumb thing you could ever do. As
much as I love aircraft, I mean, to buy an
airport property, do you know you have to not only
find a guy who wants to buy that, but a
wife that will go along with it. I mean, I mean,
if you think about it, how severely limiting is that market?
(01:54:41):
So anything to now horse properties, that's another thing that's
not as severely limiting because people will live. They'll live
in a horse property even if they don't have a horse.
Speaker 9 (01:54:50):
Yeah.
Speaker 6 (01:54:50):
Somebody who just wants some space, right right, So that's
something that it becomes a feature when they go to market.
Speaker 2 (01:54:56):
Lives on a horse property. Yeah, but he doesn't have horses.
But see, they just wanted the space. So really, by
the way, I got this text which is very interesting saying,
look at this instagram concerning realtors and commissions. Take a
look at this guy from Boulder who thinks the real
estate industry is a cartel and his goal is to
disrupt the industry with an AI assisted company called for
(01:55:19):
sale by owners and sellers that don't want to pay
enormous commissions to realtors that offer little value. See I
doubt see. I don't know realtors who charge commissions and
offer little value, because the only ones I really know
are you and Frank Duran. And I can say in
almost every single not almost, in every single case I've seen,
you guys have outsold the market. And I don't think
(01:55:40):
there's any way an individual with one house one perspective
could ever see. You look at the overview and you're thinking,
wait a minute, I had a house like this over
and such and such, and I was able to do this,
this and this, let's start out here and we're going
to get this price. I don't think an individual can
do that. And I certainly don't know what the how
(01:56:02):
shall I put it, what this industry can offer. I
might play some of it on some of this Instagram
on it, but I let's say, yeah, I'm just interested. Again,
he's talking about selling a home let's see can you
I don't even know if I can hear this over
the air, but let's see you. No, I'm not getting
his audio. Oh wait, wait, you're new here or this
(01:56:24):
is coming over the air algorithm. Here's a little background.
Speaker 20 (01:56:27):
A few months ago, I decided that I wanted to
sell my house in Colorado without an agent, and that
process opened my eyes to just how broken the system
of buying and selling homes is in the United States,
and it prompted me to start a new company called Ridley.
Speaker 2 (01:56:40):
Our mission with Ridley is very seat of this guy.
Speaker 20 (01:56:42):
If you want to help consumers save tens of thousands
of dollars unnecessary commissions by building a platform that leverages
AI to automate much.
Speaker 2 (01:56:50):
See, I don't believe they are unnecessary commissions, except now
there are scenes of giving people the ability to bring
intuity support only when they need it.
Speaker 20 (01:56:57):
So I incorporated this company. Like twenty seven days ago,
I raised a preced investment. I've hired two engineers, a
data scientist and a product designer, and we are probably
two weeks away from having our MVP complete. An MVP
is basically your minimally viable product, or like the first
product that you can take to market to begin to
test with.
Speaker 2 (01:57:15):
Well.
Speaker 20 (01:57:16):
Okay, so meanwhile, we already have a handful of sellers
that are in our manual beta who are combined on
track to save well.
Speaker 2 (01:57:21):
Right, so his host stick is doing away with brokers
and be able to do it yourself. There's nothing wrong
with you yourself. But I'm going to tell you something.
There's way more to it, way more to it than
putting up a sign. And I will tell you this.
That guy was talking about a lot of realtors that
I and I agree with him on it, that there are.
(01:57:42):
I used to have this expression. Somebody said, oh, it's vulgar,
don't use it listing whores. Okay, now I know it's.
What I mean is they list list list list list,
put signs up and do nothing, and they let other
people sell the homes they're listing horse. They do nothing
proactive to sell their own listings. They all they do
(01:58:03):
is put their yards sign is as many yards as
they can, hoping that other people do the work for them. Now,
there are still people like that, you know there are.
Speaker 5 (01:58:13):
That's not how I operate, well, of course not.
Speaker 2 (01:58:15):
Of course, you wouldn't be here if you know, no, no, no, no.
Speaker 6 (01:58:17):
But one thing that I always do, and kind of
a mantra of myself, is you know, it's service over sales.
So rather than that numbers game, I'm looking to put
my clients in the best possible position that I can,
and I guide them throughout that entire position, besides my
marketing plan, besides the reach that I have, you know,
with the company I have backing me because we've got
(01:58:38):
some fabulous marketing tools, which is ultimately why I'm at
Cold World Banker.
Speaker 2 (01:58:42):
No, no, look at well. I think guys that list
a home and do nothing, the hell with them. And
you know, but I've seen what a good broker can do,
and they almost always get way more money. But not
only that, they know how to negotiate. I have a
buyer broker right now in North Carolina. I shouldn't say that,
but it's in North Carolina. And the reason I say
(01:59:03):
that is I agreed to keep quiet on my areas
we bought into with vester Era. So I have Vestera
Turnkey and Vesarah Turnkey helps people become landlords in markets
right with promising equity, good rents. And I started with
my Wave eight Wealth Management, I had people that wanted
to do Vestera, but they didn't want to do it alone.
They want in other words, and Barry, because he's not
(01:59:26):
a securities broker, he can't do he can't pull money.
So what I did was started some outside business interests
from Wave eight and I did separate LLCs where we
own a property. So these are people that want to
be part of turnkey, but they don't want to make
the whole investment themselves, and they don't want to be
on the hook for a loan. So I do the LLC,
(01:59:47):
I take out the loan, and I gather people who
want to invest less. I have a buyer broker. I
swear to God that this guy, I have never seen
this level of starch. Now I'm not saying here, I've
never used you as a buyer. Listen to what he did.
He lines it up, he does negotiating, He makes the offers.
He then lines up the inspection, He lines up the
people to mitigate inspections, He lines up the appraiser. He
(02:00:11):
does everything. I don't do anything. I mean nothing. He
just sends me docu signed documents. Those people to me
are worth every single penny, every single penny. Yeah, we
do a lot, Dmitri, did you.
Speaker 12 (02:00:24):
Want Yeah, well I do have a question for Stephanie.
If this is an appropriate time, yeah, let's.
Speaker 2 (02:00:28):
Do it right after the break. Give the question and
we'll come back to it.
Speaker 12 (02:00:32):
Well, you'll take me a minute to even first, Okay.
Speaker 2 (02:00:34):
Then here's what we'll do. We'll come back to that more.
Get your calls in three oh three seven on three eight,
two five five A spirited discussion on real estate. And
I want to look into more of that guy in
Boulder who wants to disrupt the industry. I'm gonna listen
to some of his social and see if I can
play one or two of them on the air. We
got more coming right up. Go with a sure thing
(02:00:58):
Denver's best rufer exceling dot com. You don't pay a
cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
(02:01:20):
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 at three oh three
seven one three talks seven one three eight two five
to five. So I happened across the social media of
a guy started a company called Ridley and he wants
to disrupt the real estate industry. He's not the first
(02:01:40):
one and want to do that. And I'm not putting
this guy down, by the way, but somebody texted me
about him and said what he's doing. He has an
AI assisted company, and if the truth be known, everyone
has AI assisted companies right now. But apparently he wants
to disrupt it. He believes that real estate people are
not doing their job. Now, I'll grant you there, there
is something to be said about listing whorees that put
(02:02:03):
All they do is list as many homes as they
can and play the odds and have other people sell them.
There are people that don't do their job, Sephanie Thomas,
you know you and Frank are an exception. You really
are not just saying this, but truly, there are real
estate people that give your industry a bad name, right,
I mean, they don't do their job.
Speaker 6 (02:02:20):
There are some, and there are you know, but there
also are some very amazing advocates.
Speaker 2 (02:02:25):
No, now, I want to play this one thing right
here is little secret for you.
Speaker 20 (02:02:30):
Real estate agents are not lawyers, even though many like
to pretend like they are. One of the biggest fears
that I've heard from this community as to why they
choose No.
Speaker 2 (02:02:37):
Now, I want to say something about that. Actually, in Colorado,
in the statute where that deals with licensing of real
estate brokers, it actually says that real estate brokers in
the state of Colorado have a limited practice of law
having to do with the transaction at hand. They literally
(02:02:58):
are licensed to practice limited law for the negotiation and
process and consultation of the contract. Did you ever read that?
Did you ever read that? Yes, and people don't understand that.
But they actually can act as lawyers for that transaction
(02:03:18):
and their client's best interest.
Speaker 6 (02:03:20):
Yes, we can write contracts right within those states and
negotiate them and rewrite them, and do get and advise
them on the contract.
Speaker 8 (02:03:29):
We can.
Speaker 6 (02:03:29):
Our contract also does stipulate and say that it is
a legal document and that we are not an actual attorney.
Speaker 2 (02:03:35):
Right.
Speaker 5 (02:03:35):
They can have them.
Speaker 20 (02:03:36):
Reviewed, right of course, and they should, in my opinion,
ought to represent themselves in a real estate transaction is a.
Speaker 2 (02:03:42):
Legal risk, and I get it.
Speaker 20 (02:03:43):
Contracts, disclosures, contingencies, it all sounds like a total minefield.
Speaker 2 (02:03:48):
But here's the reality.
Speaker 20 (02:03:50):
Most real estate contracts are just standardized templates. Agents are
not drafting big legal agreements.
Speaker 2 (02:03:55):
That's true.
Speaker 5 (02:03:56):
Yes, we do have a standard contract that we fill out.
Speaker 6 (02:03:58):
And then you have additional provisions, provisions we write things.
Speaker 2 (02:04:01):
Okay, so by the way, let me just turn them off.
I like people who want to improve industries and stuff,
but I don't see, really the real estate industry is
being broken right now. I just feel like there's a
lot of people that don't do their job. But what
can you do about that? You weed them out. A
lot of people go with friends and friends. They don't
actually investigate a real estate broker. They don't investigate the
(02:04:26):
track record. So the question is how do you do that?
How do you do it? So let's ask how would
you check out a real estate person? Am I allowed
to ask? I'd like to know the last ten people
you've closed, and can you ask about their performance? Of
course you can, right, I.
Speaker 5 (02:04:45):
Don't know that I would give out names without my
client situation.
Speaker 2 (02:04:49):
How about days on market? What did you sell it
for what was the asking price?
Speaker 6 (02:04:54):
Things like that, Yeah, you know, and for me personally
in that arena, I take on such a diverse I
guess property types and special circumstances. So sometimes like just
you know, my statistics and things are not always you know,
I take.
Speaker 2 (02:05:11):
They're not always at they're not always sale because.
Speaker 6 (02:05:14):
I'm taking on homes that are going to be more difficult, right.
Speaker 5 (02:05:18):
But one thing that I do, even in.
Speaker 6 (02:05:20):
That type of an instance is I am keeping my
client fully in fold. I'm giving them, you know, updates
on views. I mean, it's a process in working with me.
I'm not the agent that disappears.
Speaker 5 (02:05:32):
And you hear you see me put a sign up
and I show up at clothes. It's not how it works.
Speaker 2 (02:05:36):
Now, somebody asks, really, if you don't have a real
estate broker and you do it for sale by owner,
how do you deal with other agents? And that's a
good question. So you would have to when you advertise
probably say what something about a co op or not?
I mean like like do you shy away from for
sale by owners? Now, if you are a buyer broker
(02:05:58):
and you see somebody selling a house, do you think
to yourself, I want to stay away from that.
Speaker 8 (02:06:03):
Not at all.
Speaker 6 (02:06:04):
If it's the house that fits my client's needs, then
I would have.
Speaker 2 (02:06:07):
How does that work? You negotiate with the owner then.
Speaker 6 (02:06:09):
Directly, I would so keep in mind, I've already negotiated
with my buyer what my commission is going to look
like in my contract, right and I have that's between
my buyer and myself.
Speaker 5 (02:06:19):
So then I would go to this owner of this home.
Speaker 6 (02:06:22):
I would disclose my position as my client's agent, because
we have to make a formula.
Speaker 2 (02:06:26):
I'm representing this person who's interested in your house? Now
do you ask the seller?
Speaker 6 (02:06:30):
Would ask them, you know, are you willing to pay
to cover any commissions? Because I do, you know, depending
on the agreement, I have to get my agent or
my buyer.
Speaker 2 (02:06:39):
I don't have to inform them, So okay, Dmitri Deputy
d had a question he wanted to give to Stephanie.
Speaker 14 (02:06:45):
Go ahead, Stephanie, it's so nice to have a real
estate professional to ask all these questions. Go ahead here, Hey,
Not long ago, I went looked at some five acre
properties kind of like around the Sedalia area much to
build a home. And I drove past a property that
was neighboring one that I was looking at, and it
was a beautiful home built on like a modern, very
(02:07:05):
stately home. And I was surprised to see a couple
of cows hanging around in the back of the house.
And I was told and as I drove around the neighborhood,
I saw miniature donkeys things like that, And somebody told
me that's because these homes or these properties get some
sort of an ag taxation level as opposed to a
regular residential taxation level.
Speaker 2 (02:07:26):
How does this work?
Speaker 5 (02:07:27):
That's going to be something. Honestly, you're going to have
to talk with the county directory.
Speaker 2 (02:07:30):
I can't what were you. I wasn't paying attention. I
was reading a text. You're you're asking, how do you
change the nature of the zoning?
Speaker 18 (02:07:37):
Well, no, I was.
Speaker 14 (02:07:38):
So I saw a couple of cows hanging out behind
a three million dollar home, and I was told that
it was probably because they added the cows in order
for that property to qualify first.
Speaker 2 (02:07:49):
Now ag land, No, that's not true. No, here that works.
Let me explain this to you. You don't ever have
to have a cattle, any cattle to be agg if
it's zone at its own act, you go on there,
you don't have to do anything. You don't have to
buy cows, you don't have to do that's a misnomer
or a misunderstanding. So how do you can go from
residential to agricultural? If you are big enough and fit
(02:08:11):
all the criteria, and then you have to go or criteria,
you have to go around to the neighbors and get
the adjacent property owners, and it's a zoning change. Very
seldom do people go from regular residential to agriculture. Usually
the agriculture and residential areas have been preset in a
masterplan and zoning and they stay that way. So if
you move into an ag property and you don't use
(02:08:34):
it for ag you're not going to have it taken away. Oh,
they don't take it away. It's an ag property. Now,
in some cases, when you try to become ag you
have to show an agricultural purpose, which is weird. But
you don't have to do it the other way around.
You don't have to do it to maintain it and
to keep it. Very seldom will the taxing authorities bother
you saying, by the way, you don't have any cattle here,
(02:08:56):
why are you paying agricultural taxes? Because I'm in an
agri cultural area. And I've dealt with this for so
many years. When I developed subdivisions, we had agricultural zoning.
We had thirty five acres lots, and people paid very
low taxes compared to the amount of home and everything
they were putting on there. So it was a benefit
to have agricultural zoning. But you don't go there and
(02:09:19):
change it to agricultural easily, and a couple of cows
won't do it either. But one of the easiest ways
to get agricultural zoning would have adjacent property that's already agricultural.
Then you have the neighbors who say, yeah, fine, because
then you have your land is opened up for grazing
unless you fence them out.
Speaker 14 (02:09:40):
Oh and then would I have to go out and
buy some animals. No, oh no, you can just if
you're adjacent.
Speaker 2 (02:09:46):
If you're adjacent to agricultural property, you can have grazing land.
You don't have to have the you don't have to
have cattle to have grazing land. And because of the
fence out provisions in the state, which says if you
want to keep cattle from great, you got to fence
him out. Then you just tell your neighbors, by the way.
Speaker 9 (02:10:03):
Have at it.
Speaker 12 (02:10:04):
Oh what if my neighbors don't have any cows, Well.
Speaker 2 (02:10:07):
Then it doesn't matter. They very seldom get into the weeds,
no pun intended. It's just about the actual use of
the property. Now sometimes they can. They might be getting
more straight because they don't want to lose uh the
test revenue. Yes, 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.
(02:10:34):
In comparison, call Compass Insurance. Pay 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.
(02:10:55):
I'm Tom Martino, You're troubleshooter three O three seven to
one three talk seven one three eight two five five.
I so sympathize with people who are looking for relief
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(02:11:18):
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(02:11:46):
I'm not talking about just inflammation of one joint. I'm
talking about systemic inflammation, usually caused by something called glycation,
which is sugar in your blood everything. Sugar's the root
of all no carbs and sugar. It's because a bowl
of pasta, a bowl of sugar, and a bowl of
potatoes are exactly the same. People think they're different, they're not.
(02:12:08):
You may have some different times of absorption into your
blood system, which can be more healthy I guess, a
more healthy poison. You could have something that is absorbed
slower and it has a better glycemic indexed And if
you combine that with fiber, you could have a healthful
food and the sugar is not going to hurt you.
(02:12:29):
I don't want to get into that. What I want
to say is this, So you have a combination bill
of ingredients and they're all mixed, matched, and they give
it a name, but it all boils down to some
of the best joint and tendon support in supplements glucosamine,
chondroit collagen, something called MSM it's methyl sulfony methane. And
(02:12:58):
then you have omega three fatty acids. Preotine also helps,
and protein, vitamin D, magnesium what you're going to find,
and sometimes tumoric as anti inflammatories. So what you will
find all of these are going to be mixed in
a formulation and sold to you as something magical like
(02:13:22):
omega xl okay. So if you're asking my opinion on
any of these, I'm going to tell you they all
have Literally they all have the stuff you need to
support your joints and your tendons and your muscles. But
you can buy the supplements on your own and pay
(02:13:45):
much less than these formulations. Does that make sense to you? Bill?
Is Bill still there?
Speaker 13 (02:13:54):
Yeah?
Speaker 7 (02:13:55):
Can you hear me?
Speaker 2 (02:13:55):
Ton? Hello? Yes?
Speaker 14 (02:13:57):
I can.
Speaker 2 (02:13:58):
So do you have any follow up questions?
Speaker 1 (02:14:01):
Who my brother does ostel ostel biflex?
Speaker 6 (02:14:05):
And I'm sure it's the same same answer.
Speaker 2 (02:14:11):
Well, it is what what what condition does he have?
What condition it does he have? I'm not a doctor.
I mean, I'm just asking.
Speaker 7 (02:14:19):
I know, I don't want to hear you're talking.
Speaker 1 (02:14:21):
Everything is everything you mentioned.
Speaker 7 (02:14:23):
I told him the best plant, the best thing is exercise.
Speaker 13 (02:14:26):
But that's that's all I can say.
Speaker 2 (02:14:28):
Well, you know again, I'm not I'm not going to
pretend I know medical and medicine and health, but I
will say this movement lotion. Motion is lotion. If you
don't move it, and if you start catering to it,
you compound your problems. Now, that doesn't mean you know
if somebody has a crack or something in their hip.
(02:14:50):
I don't want to tell people to work out if
they shouldn't be working out, But in most cases you're right.
For osteoporosis, for arthritis, for any of that movement. It
helps movement and keeping yourself in motion. Also, light weight
and stretching. Stretching is important to keep you limber. And
(02:15:14):
then lightweights. I don't mean lightweight, but I mean weights
that you can exercise the muscle and keep it fit
because we're going to atrophy. I bet you bet our age,
I say our age. How old are you, sir?
Speaker 7 (02:15:31):
I'm seventy six, going to be seventy seven here shortly?
Speaker 2 (02:15:34):
Okay, we're in the same group. I'm seventy one. So
here's the bottom line. At our age, you atrophy. If
you don't do anything, your muscles are going to deteriorate
two to four percent a year just sitting there. So
you want to do anything it takes. And you know
here there are two exercises that are the best exercises
in the entire world. One is walking, yep, and one
(02:15:58):
is swimming. Out as far as walking, when they did
the Blue Zone Study of longevity, they found that walking
was in common with everyone who had the longest life spans.
And it is not even vigorous walking, just walking. Just
(02:16:19):
walking the number one most underrated exercise in the world.
Speed Walking is pretty good, but it can be hard
on joints. Running is not good for you, even though
running enthusiasts will tell you it is. It is not
good for you it artificially. It puts too much stress
on your joints and on everything. So again, you know,
(02:16:40):
if people love it as a passion, I'm not going
to tell them not to do it. Cycling is a
wonderful form of exercise as well. But what you should
do you go to a whole foods or you go
somewhere where they have supplements or I like life extension
I think it's called Life Extension online or Amazon, and
you order, you order the substances that are known to
(02:17:03):
support joints and tendons and muscles, and you can look
that up anywhere, just google it and then get a
few of these substances. Yeah. So so bottom line, Bill,
don't don't fall for these fricking cures and magic formulas.
I can't stand them. And you know what, I really
(02:17:24):
I know. Relief Factor is a really really big advertiser
on all radio and some of my affiliates and some
of my people might be upset with me saying this,
but there's nothing magical about it. Thank you for calling
three oh three, seven to one, three talks seven one
three eight two five five
Yea ripped of.
Speaker 2 (00:07):
News, need advice? Who you don't have the.
Speaker 3 (00:12):
Come running just.
Speaker 2 (00:13):
As fast as we can. Shooter's gonna help Come man,
This is.
Speaker 4 (00:20):
The Troubleshooter Show. No Tom Martino, Hello.
Speaker 2 (00:26):
Tom Martino here, Welcome to the show. Three oh three
seven one three talks seven one three eight two five five.
We're here to help you solve problems, answer questions taking place,
make your life a little easier. This hour brought to
you by one of my favorite sponsors. Because it's the
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(00:46):
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(01:09):
find a better price. Waterpros dot Net seventeen zero four.
Let's just give this number out three oh three eight
six two five five five four. All right, now we
have callers here, but we also have if you're streaming,
you'll see I have lovely Stephanie Thomas with us from
Colorado Springs. And Stephanie, you're with Coldwell Banker Coldwell Banker
(01:33):
real Estate. Yes, and you've been a broker for how
long now?
Speaker 5 (01:36):
Fourteen years?
Speaker 2 (01:37):
This market? Is it good batter in between? Or how
do you explain the market in the Springs area? We
have a big Springs audience, you know.
Speaker 6 (01:44):
Right now it's it's really interesting and it kind of
feels a little bit like a roller coaster.
Speaker 5 (01:51):
I was just having this conversation with my managing broker.
Speaker 6 (01:53):
And Michael with this where it's really kind of and
he put it perfectly when he said, the tale of two.
Speaker 2 (01:57):
Markets, so within one, yes makes it, you know, no.
Speaker 6 (02:03):
Rhyme or reason as far as pricing goes or things
like that. But what we're seeing is some homes are
selling very quickly.
Speaker 5 (02:10):
Multiple offers.
Speaker 6 (02:11):
Out of the last three offers I've written for buyers,
two of which were multiple offers, and thank goodness, we
were able to get.
Speaker 5 (02:17):
Under contract on both. But it's it's just been interesting.
Speaker 6 (02:21):
And then we have additional properties and homes that we're
seeing days on markets start to really extend out of
the current active.
Speaker 2 (02:28):
Can you give okay, can you tell which homes move
and which don't or is it not just a price range.
Speaker 6 (02:33):
You know, is range specific or even necessarily area.
Speaker 5 (02:38):
My experience has just been it's.
Speaker 2 (02:40):
Just happhazard lover. Really.
Speaker 6 (02:42):
I have seen homes, you know, the homes that look
more market ready.
Speaker 5 (02:45):
Of course those get great activity quicker.
Speaker 6 (02:48):
But your homes that should you know, look good on market,
you know, would get that you would think of a
strong buyer response, aren't necessarily getting that. I think town homes, condos,
you know, that multi family market is still moving slower
of course than single families, and.
Speaker 2 (03:03):
Now a lot of people have got a lot of
people they don't want to go into that multi family
anymore because of the the hoas and the insurance situation
they end up self insuring. I mean, it's terrible, it's
a terrible thing anyway. So we have Sephanie Thomas with us,
but I'm going to go to the phones, as I
always do. Phone calls get priority. We have James who
wants to talk about an issue with an enterprise rent
(03:25):
a car. Hey, James, what's happening with you? Welcome to
the show. By the way, everyone else can call three
zero three, seven to one to three talk. That's one
of our numbers, seven one three eight two, five to five,
and we're happy to help you. What's going on with
the Enterprise?
Speaker 3 (03:40):
Can you hear me?
Speaker 2 (03:42):
I sure can, sir?
Speaker 7 (03:44):
Okay, I can hear you.
Speaker 8 (03:45):
Yeah.
Speaker 7 (03:47):
Well, I just got your number from my sister because
I was telling her about my shaga with the Enterprise.
On January second, I rented a from Enterprise, a nice
little Sunday Kona read and was going to drive to
(04:10):
Palm Springs to meet a friend of mine who was
going to share the cost of the rental because his
wife came from Idaho and I was going up, which
I'm from Idaho but a living in Brago Springs currently.
And I rented this car, took it to a trailer
(04:34):
park where I was living in Lake Kinshack, California, and
it's on a hill, and proceeded. After a couple hours,
I'd got my laundry together in my trash and loaded
it up in the hatchback of the car and went
out to driveway and turned left, and I pushing on
(05:00):
the brakes, but nothing happened, and I thought, God, this
is strange, and maybe I so I had to turn.
It was down hill about forty feet, turned right. My
momentum kept me to the right, and then I got
to turn back up hill after about fifty feet.
Speaker 2 (05:19):
But when night, but you had no you had no
brakes at all.
Speaker 7 (05:23):
Well, when I got to this uphill straight, my brakes worked.
I didn't roll back, and I went, God, that's really strange.
And so I thought, I looked, but.
Speaker 2 (05:37):
The brakes were not Did the brake pedal go to
the floor, Yes.
Speaker 7 (05:42):
But I couldn't tell that because it was in the night.
I mean, it was just six o'clock in the evening.
And I looked at the gas pedal and the brake pedal,
and these new rental cars or new cars are real
close together, unusual from what I'm used to drive two
thousand and three Taho.
Speaker 2 (06:02):
And the.
Speaker 7 (06:04):
You know, the brake is quite a ways of way.
Speaker 2 (06:07):
James James, James James. Is it possible that it did
have brakes the whole time and you were hitting you
were not hitting them? Or are you sure when you
hit the brake pedal?
Speaker 7 (06:21):
That's what I was concerned about so I crept up
the hill. I had to go about another one hundred
feet up the hill one hundred and twenty feet to
come around the corner and come back down to my trailer,
where I had some more laundry to do and it
(06:41):
was sitting outside. I was going to stop the car
when I first came out to load it in, but
it never stopped, and I kept creeping up, pushing on
the brakes. They worked all the way up this hill.
I must have pushed ten times just to make sure
I was pushing on the brake and they were. I
got up to the top of the hill. I sat
(07:03):
there for about two minutes, thinking, now should I go
to the left. It's a little if the brakes go
out again, I can't go straight down. And I crept
around the corner and I'm starting. I said, okay, I'm
just going to go straight because the brakes are working,
and let off on the break and they did not work.
(07:26):
The next time I was pumping, I was reaching for James.
Speaker 2 (07:31):
Yes, so James, let's get to the the whole point
of the story. Did you get into an accident?
Speaker 9 (07:40):
Yes, I did.
Speaker 7 (07:42):
The brakes did not work down a hundred feet I turned,
I had to turn to the right.
Speaker 2 (07:49):
What did you crash into?
Speaker 7 (07:51):
I crashed into a pole, a fence pole that was
up three feet tall, just a medal and seamen and
it took off the It's a decoration on the side
of the hun day on the left side of the right.
Speaker 2 (08:07):
Now, James, James, James, I don't need to know any
more details. I need to know this.
Speaker 7 (08:12):
Yeah, and then I hate you. I did not jammise
the car other than break the headlight.
Speaker 3 (08:18):
There was no.
Speaker 2 (08:20):
Well, okay, okay, I understand James, James, what are you
calling about today, because no matter how it happened, you're
going to be responsible.
Speaker 7 (08:28):
Okay. So I got the brakes worked when I go
go up the hill about forty yards and the brakes
stopped me. And I go back and I call call Enterprise,
ran a car. They send me to their accident report,
which I gave an accident report and told them that
(08:52):
I would return the car tomorrow and get another one
because I just had this incident. And I ejected from
the trailer park that night by because of the accident
I caused.
Speaker 2 (09:07):
I was wait a minute, wait a minute, James, what
do you mean you got James, do you own your
trailer there?
Speaker 7 (09:15):
No, I was renting a trailer from a friend for
until April first, when she returned.
Speaker 2 (09:23):
Okay, so they kicked you out. They kicked you out
that night.
Speaker 7 (09:27):
Gave me a seven day notice, and I says, well,
it has to be at least thirty. I did not
get out until March first, and March first, I moved
to Barrego Springs into a trailer park.
Speaker 2 (09:44):
Well, where are we going with this? This is this
sounds like a whole a movie.
Speaker 7 (09:49):
I mean they are charging me to toe charge and
they charged me for the rental of the car and
the damage.
Speaker 2 (10:02):
All right, hold on, hold on and we'll come back.
Hold on, James, hold on, we'll come back to you.
I know why you're calling. Let's let's dissect this problem.
Three O three seven one three eight two five five.
We have more coming up on the Troubleshooter Show. Speaking
of UH rental car coverage and all kinds of coverage.
Compass Insurance Group will go over your insurance to make
sure you're not paying too much, to make sure you're
(10:23):
not under insured or even over insured. Three oh three
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(10:43):
up free, no obligation. In comparison, call Compass Insurance paying
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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 all three nine two zero
sixteen twenty two. Okay, Tom Martino here, Welcome to the show.
(11:07):
Three three seven well three Talks seven three e two
five five. So, James, I want to tell you, in
the pure sense of renting a car, I understand you
said the brakes went out, but let me explain some
of these You, in the pure sense of renting that car,
you are responsible for everything that happened to it. So
(11:28):
the fact that the brakes went out, I know this
sounds weird. It's not enterprise this problem. Do they agree
that the brakes are faulty or did they say there
was no problem with the brakes?
Speaker 7 (11:39):
They said there's no problem with the brakes, and that
that that's why they're charging me.
Speaker 2 (11:46):
Okay, Well they would charge you anyway, and you would
have to go to the menu. Listen. It would be
a terrible fight anyway if you had to do it.
But James, really you are And I know your sister
told you to call because you wanted me to help you.
But I have to tell you some facts. You are
responsible for a rental car. Even when somebody hits you.
You can go after the other party like you can
(12:07):
go after Hyundai. You can, but you are responsible to
Enterprise for all the damage to that car. You're also
responsible for loss of use of that car while they're
fixing it, so it can be pretty expensive. How much
do they want from you right now? Total?
Speaker 7 (12:26):
Well, discharge two hundred eleven dollars for the towing, which
I did not agree to.
Speaker 2 (12:33):
And I well, what were you going to do with
the car? If you didn't have the car towed, what
were you going to do with it?
Speaker 10 (12:38):
I was going to drive it back to and get a.
Speaker 2 (12:40):
New car, okay, But you didn't drive it back because
of the brakes.
Speaker 10 (12:47):
No, because they said we don't want you driving it
because of the brakes. And I said, I go, okay,
if you want to.
Speaker 7 (12:57):
Tow it, tow it, but I need a.
Speaker 2 (13:00):
Car, okay, okay, okay, So of all hold on, So
of all the charges, the only thing you're disputing is
the two fifty two dollars. Yeah, okay, So but you
agree that you are responsible for the damage to the car.
(13:21):
You just don't want to pay for the towing exactly, Okay,
you know what. So so when you called them, though,
and you said the brakes weren't working, what were they
supposed to do?
Speaker 7 (13:35):
They said they sent their inspectioned games to look at
the brakes and to look for budy.
Speaker 1 (13:41):
No.
Speaker 2 (13:41):
But what I mean is what James, You didn't want
them towing the car, but they towed the car anyway.
Speaker 10 (13:49):
It's the car that I could rely on.
Speaker 2 (13:53):
James, you told Enterprise when you called them about the accident.
You told them the brakes were not working. Right, So
what were they supposed to do? They had to tow it.
Oh and if they told let me explain this to you, James,
(14:14):
if they towed the car in and the brakes were faulty,
you would not have to pay for the toe. But
what they're saying is that they towed it in because
you told them the brakes were not working. But when
they got the car in their possession, the brakes were working.
This is going to be this is gonna be a
hard battle. I'll have someone call Enterprise for you to
(14:37):
see if they can do away with that charge that
two hundred and eleven? Uh Bo, Are you in the
studio today? Who's in the studio today?
Speaker 6 (14:45):
I'm both coming in in about fifteen minutes.
Speaker 2 (14:50):
Deputy Doc is working at home. Maybe Doc, maybe Doc
can call enterprise and see, here's the point. Look at
he's not disputing the whole thing. He's just disputing the
towing because he wanted to drive it in. Again. I
find that weird because he's the one that said it
wasn't working, and they I don't think I think they
(15:11):
would have been negligent had they had him drive it in.
But let's have Doc make a phone call to see
if we can get that charge waved. Jim, you have
a question about credit cards. What's going on? Jim? Welcome
to the show.
Speaker 3 (15:25):
Good morning, Tom came in.
Speaker 2 (15:28):
What's going on?
Speaker 7 (15:29):
Three?
Speaker 11 (15:30):
Three of our our credit card companies raised our interest
rate to thirty one percent with no oh my god,
and we're not late on any moment.
Speaker 3 (15:42):
We've always been paying on time. Is there any way.
Speaker 2 (15:45):
What the hell? Wait a minute, wait a minute. Did
they all do it? Did they all do it at
the same times?
Speaker 11 (15:51):
Jim, Yes, yeah, they all did it at the same time.
Speaker 2 (15:56):
It went from what to what?
Speaker 3 (16:00):
Twenty one to thirty one?
Speaker 2 (16:02):
Oh my god, thirty one percent? Thirty what?
Speaker 12 (16:13):
What?
Speaker 2 (16:13):
What reasons? What reason did they give you?
Speaker 11 (16:17):
They're not giving us any reason at all. That's what
I told the wife.
Speaker 3 (16:20):
Call them up and question them about it.
Speaker 2 (16:23):
But that all three they were three completely separate credit cards,
and they all did it.
Speaker 11 (16:30):
Right, Yes, and they were all up to date. No mispayments,
no nothing. They just did it.
Speaker 2 (16:38):
I don't get it either. And have you got an
answer from any of them?
Speaker 11 (16:44):
No, she's she sent out some emails. All three of
them were just waiting for something to get something back
because I'm worried that I would be because they just did.
Speaker 3 (16:53):
It, and they were just hoping you wouldn't question it.
Speaker 2 (16:58):
Did they? So they sent you a note in the notice?
Did it mention why it was being raised?
Speaker 1 (17:05):
No?
Speaker 11 (17:05):
It just showed up on the bills as the interest rate. No,
no notice, no nothing.
Speaker 2 (17:13):
But okay, when it showed up on the bill. Did
it say that it was raised, did it make any
mention of it, or it just showed up? Are you
sure it wasn't thirty one percent all the time?
Speaker 11 (17:26):
Now?
Speaker 7 (17:27):
How do you know it was down?
Speaker 1 (17:31):
Ahead?
Speaker 2 (17:32):
Could? Sometimes interest rates on credit cards sometimes it goes
with the balance on how many days of balance was outstanding?
Like did your balances change? Do you pay them off?
Tell me what's your credit? Like your credit usage?
Speaker 1 (17:49):
Our credit's really good.
Speaker 11 (17:51):
Those three we used them for model, you know, fixing
the cars or something like that. They were like emergency
credit cards and we haven't.
Speaker 2 (18:01):
Okay, but what are your balances? What are your balances
on those three cards? What are your balances on those
three cards combined?
Speaker 11 (18:09):
She has a couple of thousand on each one and
two is asking me about should we take out another
loan and pay them all off? And I told her,
I said, well, I'll you pay them off, cut them up,
you know, close the account.
Speaker 3 (18:26):
She said, if you close the account, you're credit rating
those deaths.
Speaker 2 (18:31):
That's true, that's true. But what you should do, and
I know this is crazy, is keep them alive, but
don't use them, because what happens is your percentage of
credit used also determines your interest rate. I have a feeling, Jim,
(18:52):
that all of this probably was disclosed to your original agreement.
And what they do is they monitor your credit usage
and different things like that, and that's where the rate
goes up and down according to what you're doing. Do
you have an idea of what your credit usage is?
For example, Jim, how much credit do you have altogether?
(19:12):
Like what I mean is if you wanted to take
and max out everything, how much do you have in
credit lines those three cards? What are the limits on
those cards?
Speaker 3 (19:23):
That is what I don't know yet. She just mentioned it.
Speaker 2 (19:26):
I think, Jim, Jim, I'm looking this up here, and
I think credit usage is the answer. You're going to
find is that your credit usage might have been unusually
high that month, and when your credit usage is high,
they raise the rates. How much total credit card debt
do you have total?
Speaker 7 (19:49):
I don't know.
Speaker 3 (19:50):
The life does it.
Speaker 11 (19:51):
She takes care of it. She just asked me a question.
And you know, I let her pay all the bills
and stuff, and I don't pay attention to it until
you brought this up.
Speaker 2 (20:00):
But I'm telling you, man, if you have any balances,
look into it. Yeah, well, let me know, call me back.
I need to know your total credit granted to you,
and then the total usage you have. And Jim, if
you have any money whatsoever, or maybe you get a
zero percent transfer card, get rid of that thirty one percent.
(20:23):
You know, And I tell people this all the time.
Thank you for calling Jim. Here's what I tell them.
When you have thirty one percent or twenty five percent
debt and you take a dollar out of the bank
and invest it, you're losing money. You take a dollar
out of the bank and you pay down high interest debt.
The very first thing when people come to Waive eight
Wealth Management with us, we try to eliminate their high
(20:43):
interest at because you should not even bother investing until
you pay off high interest debt. So when you have
thirty one percent, for example, credit balances thirty one percent,
you are losing that every month. If you pay that off,
it's like getting a thirty one percent return because you're
getting rid of it. So high interest debt you got
to get rid of before doing anything else. Jim, let
(21:06):
us know when you find out that information. God, I
just can't believe it. Credit cards are they're kind of crazy.
By the way. I didn't have hot water and something
was going wrong. You know, I called fix It, fix
it twenty four to seven. I did a I'm doing
a water heater flush and they're doing there's a pinhole
leak near a pump. They're fixing it today. But you
(21:28):
know what they do. For thirty nine bucks, They'll get
your ac ready with a deep extreme clean Fix my
home dot com. Go there and find out more thirty
nine bucks with a NOE breakdown guaranteed. Do it before
the heat comes. Go with a sure thing Denver's best
(21:48):
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 help 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
(22:09):
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 at three three
seven one three eight two five five. So here's the deal.
(22:33):
When you have credit cards there's all kinds of triggers
in your credit card agreements that allow them to raise
the rate. Credit usage is one of them. And also
the timeliness of payments, of course is won and all
kinds of stuff like that. Now there is a possibility
(22:54):
you can do a zero transfer balance and then you
get a courtesy time to pay it all off on
new cards. But you got to get rid of this
high interest det People have been using their credit card
as a second income almost and it's never going to work.
It is the road to financial ruination. So I have
(23:16):
Stephanie Thomas with us now. Even though she works in
the color of Springs area for Coldwell Bankers as a
real estate broker, she also has no real estate in general.
And I have a quick question for you, and this
is one that I asked Frank. And I'm going to
Frank durand the real estate Man dot com and I'm
going to ask you, what are the mistakes you see
(23:37):
when people list to home Because people wanting a lot
of people, they don't want to hire people to stage
and all of that, and they want to know is
that worth it? Because there are companies that offer to
come in like for fifteen hundred bucks until your house seals,
they'll stage it. Are Are they worth it? Wait? They are?
Speaker 6 (24:00):
I think so Wow, if you can get fifteen hundred
for the entirety of your listing, to me, that's great
because I have seen some staging bills for a month
or two, and fifteen hundred is in my opinion, a
good value from waking and voice wise.
Speaker 5 (24:14):
But here's the thing.
Speaker 6 (24:15):
One of the mistakes people make is they don't prep
their home for sale.
Speaker 2 (24:19):
You know, they just literally leave it the way it is.
Speaker 6 (24:22):
They will literally leave it like it is a lot
of times when you go in homes and you know
it's not depersonalized, it's not decluttered.
Speaker 2 (24:30):
You want to depersonalize it. You don't want a lot
of personal pictures up in order.
Speaker 6 (24:34):
Absolutely, you want your buyers to walk in the property
by themselves there, yes, exactly. So when they start seeing
pictures of you everywhere, all of a sudden, the buyers
start looking at.
Speaker 5 (24:43):
Oh, who lives here?
Speaker 6 (24:44):
Just natural curiosities, you know, and people tend to focus
on that kind of thing. Ultimately, they're not connecting with
the property. They're not identifying, Hey, that this could be
my home. It feels like you're walking through some much.
Speaker 2 (24:55):
Okay, so depersonalize it. Yeah, And isn't declutter a big deal?
Speaker 5 (25:00):
Absolutely? Decluttering is huge because most of us don't live
in our homes like they're show ready.
Speaker 2 (25:06):
You know.
Speaker 6 (25:06):
Most of us have to go in and do some
prepping and you have to think about, you know, actually
prepping it for photographs too. I go through this process
with all the homes that I list, and I talk
to people about. You know, we we want to make
sure that when we take a photo of a space
that people can actually see your home the wall. You know,
we want them to see some wall. We want it
(25:27):
to have still some personality and you know, to show well.
But we don't want people to see so much content
that they miss your home entirely.
Speaker 2 (25:35):
Okay, And I just got a text wanting to know
about vacant homes. Do you like vacant homes?
Speaker 5 (25:41):
You know, it depends me.
Speaker 6 (25:43):
When I do vacant homes personally, I do come in
and do what I call like a light stage, a
soft stage. I have some personal inventory that all go
through and do some of that, and it's just.
Speaker 5 (25:52):
Really adding accent touches.
Speaker 6 (25:54):
It's not a full house of furniture, you know, in
the primary suite area.
Speaker 5 (25:59):
You know, I'll put you know, a queen.
Speaker 6 (26:00):
Sized bed set up, white comforter, some fluffy pillows, you know,
maybe a couple pieces of artwork, you know, just some
things to kind of soft stage and give people some
idea of the space, you know, through the home. I
always all do fluffy toowls and bathrooms, you know, greenery,
things like that that give it a little bit of life,
but not overwhelming.
Speaker 2 (26:18):
What about interior paint do you ever do you ever
recommend that people go through and just repaint it.
Speaker 6 (26:24):
Absolutely depends if they have really dark colors. Absolutely, I'm
going to say, and you know, if they're willing to
do some things to prep it, I'm going to suggest
that we go through and kind of lighten that space up,
neutralize it.
Speaker 2 (26:37):
You know, you may have.
Speaker 6 (26:38):
A really large room and if you have really really
dark walls and real heavy like curtains you know, covering
your windows, all of a sudden, that space looks really dark.
It's not fighting space. Yeah, so anytime we can do
a few things like that to really just highlight the
features of your home.
Speaker 5 (26:57):
I absolutely real, But there.
Speaker 2 (26:58):
Are staging companies that I mean with furniture and everything. Yes,
there are and and a lot of them are worth
their weight, you know, I think.
Speaker 6 (27:07):
So, Like I said, I haven't experienced the fifteen hundred
dollars the kind of one.
Speaker 2 (27:12):
How much does it normally cost?
Speaker 5 (27:13):
The last house I worked with a stager on. We
we did a couple of.
Speaker 6 (27:18):
The main spaces. Now mind you, this was a very
large home, but we.
Speaker 2 (27:22):
Still just like how much what price range?
Speaker 5 (27:24):
This one was north of eight hundred?
Speaker 2 (27:26):
Okay, so what was it? What did the total staging cost.
Speaker 5 (27:29):
For two months? We were over four thousand, so holy crap.
Speaker 6 (27:35):
Yeah, and that was honestly just doing a couple of
main spaces.
Speaker 5 (27:39):
It wasn't even the entire house.
Speaker 2 (27:41):
So you're saying, yeah, so fifteen hundred sounds.
Speaker 6 (27:43):
Fifteen hundred sounds great, But ultimately you'd have to look
at what that entails. And I'm sure they've got some
type of timelines that they agree to leave their.
Speaker 2 (27:51):
You know, so people have to move their own stuff
out obviously when you have a stage or they don't
stage wing that. Yeah, do you ever have stages that
work with what's there?
Speaker 5 (28:00):
Ye?
Speaker 6 (28:00):
So some stages will come through and do a consultation right.
Speaker 2 (28:03):
If it's pretty and the good stuff.
Speaker 6 (28:04):
They just have to Yeah, we'll talk about moving things
a little bit. Let's take down a couple of these photos,
and that's a process. Honestly, I've set through so many
photo appointments at this point and listed enough properties in
my career that I have, you know, a pretty good
eye that I go through and do that process on Artwey.
Speaker 2 (28:20):
I think people in general have too much stuff in
their homes, absolutely, and John, I mean nothing wrong with that.
Speaker 6 (28:26):
None of us, none of us live in our homes
like they're ready to stell, you.
Speaker 5 (28:30):
Know pretty much.
Speaker 6 (28:31):
We would all need to do a few things to
our properties to really highlight the space for sale.
Speaker 2 (28:36):
I mean I've seen some play, Honest to god, I've
seen a place that was listed that you went in
the bathroom and the guy shaving stuff was still like
he didn't wash off his razor. I mean, it's on
the on the vanity and it's just I think to myself,
he just got ready for work. There were some dirty
clothes in a pile. I mean that's wasting money.
Speaker 6 (28:56):
Yeah, or wasting sink full of dishes or with people.
Sometimes people want to look inside the dishwasher. And I
can't tell you how many times I've walked through homes
that people use their dishwashers to like get everything off
the counter and get it ready for the showing. So
it's full of you know, food and different things like that.
And to me that personally, I'm like, oh, that that's
(29:17):
a little bit of a turn off because we really
can't see, you know, the interior of the dishwasher, because
some people that matters if it's a stainless steel interior,
things like that. So just a couple little things you
can do to keep your home show ready. But cleanliness
is honestly number one.
Speaker 2 (29:31):
All right, we got to.
Speaker 5 (29:32):
Keep your home clean.
Speaker 2 (29:33):
We we uh, we're talking about listing homes and we
can talk about anything you want as well. Three all
three seven one three talk seven one three eight two
five five. We got more coming right up. Go with
a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content on top
(29:56):
of it. Time for an insurance check up free, no obligation.
Compare and call Compass insurance paying too much your coverage
at dozens of insurance companies. Find out now three all
three seven seven one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two. Hi Tom
(30:21):
Martine here three O three seven to one three talk
seven one three eight two five five. So somebody asked
about financial snags young people get into. They said they
were having a conversation with their young person and they
(30:41):
wanted to know some of the financial pitfalls they get into.
Deputy d joins us. Deputy Doc. You can text me
from home and we got Stephanie here if you wanted
to take a stab at the number one thing mistakes
make as they're becoming adults in a young adulthood. I
(31:07):
listed the four top I should do five because people
always say five, and I don't have a fifth one
I could really think of. And I didn't want to
make it up, but I listed the top four problems
kids get into that lead to financial their first financial
bungle or hurdle or could ruin their credit for many
many years. What do you think the first one is.
Speaker 1 (31:30):
Getting credit?
Speaker 5 (31:31):
Using them?
Speaker 2 (31:32):
Okay, all your mics are on okay, go ahead.
Speaker 6 (31:34):
I think being advised to get credit cards but then
using them to their full extent of their limit.
Speaker 12 (31:40):
Oh yeah, I mean just credit cards.
Speaker 2 (31:42):
Credit cards best, right, credit card debt, because one, they're
so easy to get when they just turn eighteen, right,
and they don't understand that money has to be paid back.
And many of the young people look at it as
a monthly payment, not as a balance. If you look
at just the monthly payment, that's going to put you
in debt for twenty years, I mean literally, So you
(32:04):
have to really watch out for credit card and credit cards.
You know, if credit is a funny thing. It was
meant to be used for emergencies back in the day,
when the farmer didn't have his crop coming up, when
he wanted to the local source would extend credit and
they'd keep a ledger and then that ledger, you know,
you oweys this, so when the crop came in, he'd
(32:25):
go and pay his debt. But that was credit. And
then tavern started doing it for people that go in regularly.
They'd keep a tab and then people would pay off
their tab once a week or and these were in
mining towns when they're money, so credit was a convenience,
and also for emergencies like you have a transmission break
(32:46):
in your car, you have to put it on a
credit card. You don't have the money, that's what that's
the wise use of credit. And then you try to
pay it off as quickly as possible. Never carry a
balance you can't pay off in two or three months,
especially with carrying costs now, and the way to use
a credit card is to use it and then pay
it off monthly. No one does that, but credit card
debt is one of the biggest problems facing all Americans.
(33:10):
Credit debt is amazing. It's keeping people in servitude. Now,
I don't mean you know, you know what I'm saying.
What I mean is they have to keep paying off
these debt and eventually they have three or four cards
that are maxed out and all they're doing is making
monthly payments on it. They try to go get another card,
and many times they have good enough credit they can
(33:31):
get another card. Unfortunately, so they end up having so
many credit cards. I knew a young woman was turning
nineteen and she had eighteen credit cards. Wow, eighteen credit cards,
and then she went and got them maxed out and
was making monthly was making payments. She'd have product purses
(33:54):
and all of the credit, all of the high fashion stuff,
and she was treating credit cards as another person in
her household making money. And it doesn't make money. It
bleeds you. So credit card debt. What do you think
this one actually leads to our nation? And I can
(34:15):
do it in one word, or I can explain why.
What do you think the second major obstacle is in
a young person's financial life that causes could cause financial
run and has caused bankruptcies. Would you say student loans?
Student loans? No, it's not. Actually that might be my
(34:37):
number five. You might have given me the fifth, No,
the second one on the list. What do you think
jeopidy D Buying way too much car? Oh, Mike, it's transportation.
Now here's where they get into the problem. Not so
much buying too much car, but they do. But if
they just pay it off, here's where they get into
the problem. I call it the negative equity snowball. So
(35:00):
they buy a car, they pay too much, they're buried
in it and it's worth less than they owe. But
they have to get another one because this car's not lasting.
They go into the next one. And the negative goes
into it and it starts growing and growing. It leads
to financial disaster. We can talk about that and more
coming up. Get your calls in with any problems, questions,
(35:21):
or complaints. Have 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 check up free,
no obligation. In comparison, call Compass Insurance paying too much
(35:42):
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.
Speaker 1 (36:03):
Ripped of.
Speaker 5 (36:05):
News.
Speaker 12 (36:06):
You need advice so you.
Speaker 13 (36:08):
Don't have.
Speaker 9 (36:10):
Come running Just as nass as we can.
Speaker 2 (36:14):
Shooter's gonna help coming man. This is the Troubleshooter Show.
No Tom Martino, Hi Tom Martino here, Welcome to the show.
Three ozho three seven to one three talk seven one
three eight two five five. We've been talking about all
kinds of stuff today, by the way, with car rental coverage,
(36:36):
somebody asked, why would he be responsible for lack of use?
That is a loss to the rental company. And people
don't realize this, but even if your insurance covers the
actual car, it may not cover loss of use. You
could end up in big trouble with a lot of
money owed to that rental company. So make sure that
(36:57):
your coverage that you have on your own car extends
to rental cars. Most of them do now, but it
also must cover other consequential damages like loss of use.
So and it's extraordinary to think about right now in
today's world of shortages. To get parts takes a lot
(37:18):
of time, and that loss of use could be crazy. Anyway,
keep that in mind when it comes to insurance. And Stephanie,
you want to chime in, I do.
Speaker 6 (37:29):
I actually just turned in a rental car for an
accident that I had had, But my insurance company gave
me some advice before I turned it back in, and
they said to make sure when you turn that vehicle
back in they do the walkthrough to check for damage
at that point, and that you get some type of
receipt right there.
Speaker 2 (37:49):
It's all clear, Yes, because later on when it shows up,
it's hard to fight it exactly.
Speaker 5 (37:54):
And she said that that's a problem they've seen.
Speaker 2 (37:56):
So it is a problem, and I think some of
them do it illegitimately. And we found a company called
sixth I believe that's a new rental company. Sixth it's
six T or something or maybe find it Dmitri. But
we found them doing that a couple times. Now. Jay
has a comment on finances. I was mentioning the I
(38:19):
had four biggest mistakes. Stephanie gave me the fifth one.
What was that when the student loans? That absolutely is?
Absolutely is. But let's go for the top four that
I had before. Stephanie chimed in with that one. The
top problems that people have Number one credit cards, Number
two negative equity, snowball in cars, and anybody want to
(38:40):
take a shot at the third one. It's going to
be surprising. Now, these are my records, these are not
official records. These are people who call us for help.
Speaker 12 (38:50):
What do you think, Oh, so third bad financial suit.
Speaker 2 (38:54):
No, it's not necessarily bad. It's at they're financial. They
get into trouble when they're young adults.
Speaker 12 (39:00):
Yeah, so, based on my observations, with man.
Speaker 14 (39:03):
Any of my friends who I went to college getting
into way too much education.
Speaker 2 (39:09):
Oh okay, well that's what that's what she that's what
she said, And I put that on my list. That
wasn't on my original list. Something completely And they get
into student loan debt.
Speaker 14 (39:21):
And they with a youth of graduate degree and then
they find that Starbucks doesn't pay enough to pay off
the right.
Speaker 2 (39:29):
Yeah, they didn't become that professor, they thought, Jay, what
is your comment on finances.
Speaker 15 (39:36):
Tom, I'll tell you something I've seen ruin lots of
lives and ruined the kind of forever is O guy
gets behind on child support and the whole system is
designed to destroy them back. It's not designed to help
everybody get normalized. And so many people I try to
(39:57):
hire don't have a driver's license, can't get insurance, don't
have credit, can't do anything because child support payments are
back due and they can't do anything.
Speaker 12 (40:08):
And they can't get ahead.
Speaker 15 (40:09):
They can they.
Speaker 2 (40:10):
Can't dig themselves out. They can't dig themselves out. Friend
of mine, Yeah, but that's not okay. That wouldn't be
on my list of young people turning adults though that
I don't think that would catch up to them.
Speaker 15 (40:24):
Yeah, I spell eighteen. Seem to start when they're young,
and then they get sued and they don't have any money.
They don't have the kind of money to support a ship.
Speaker 2 (40:33):
I would say that might be young the young adults
in their twenties maybe or thirties. Yeah, but anyway, credit card,
thank you jay, credit credit card, debt, negative equity, snowball
for cars, the number three. Come on, people, Come on people,
it's so easy. It's so medical bills, they get sick,
(40:54):
they broke it arm, they break it arm, they do something,
and these kids don't realize they are in trouble quickly.
Medical bills and they don't make the payments, and they
let them sit there and it destroys their credit. Then
they start coming after him. They start garnishing wages. What
a lot of young people don't realize is with today's system,
(41:17):
until it changes, if you don't make a lot of money,
you can go on Medicaid. I mean really, Medicaid was
opened up to the masses when Obama did his Obamacare,
and no one's ever changed that yet. Do you know
Medicare is not even predicated on what you own? Do
you know there are people that own million dollar homes
that are on medicaid.
Speaker 14 (41:36):
Wow, is medicaid. I'm always confused. There's Medicare and Medicaid.
Medicaid for strictly older people, Medicare Medicare okay, and that's
not incomdependent.
Speaker 12 (41:49):
Medicare is well, No.
Speaker 2 (41:50):
Medicare is Medicare. You get Medicare no matter what you
can pay, and you pay the premium for B, Part A,
Part B, and then you get a supplement usually that
comes out of your payment. But in any case, Medicare
is different. Medicaid is a form of social services. It
used to be for only really people that need and
they extended the hell out of it during Obamacare, so
(42:10):
almost anyone who doesn't make enough money they can qualify
for Medicaid. And in fact, I've said there are people
a million dollar homes getting medicaid. Wow. It's only predicated
on income, not on equity, not on anything you own.
You could own a million dollar piece of art and
(42:31):
get medicaid. Now that's not so much. For the medicaid
that pays for nursing homes and assisted living, they would
make you sell off your stuff. But that's a different
category of Medicaid. The Medicaid for doctors and procedures and
surgeries is only income dependent. So if you're a young
(42:56):
person right now listening to me, apply for medicaid, doesn't matter.
If your parents are rich, doesn't matter. If you own
stuff and a car, you can get medicaid. That's what
it's made for right now. Now they might change all
of this, I don't know, but right now it's really
insurance for the masses. And then, of course then you
get into Affordable Care Act. They call it eligible plans,
(43:20):
which are not affordable at all, but that's what they
call it. So medical bills are number three on my list.
Number four is a very odd one. Number four is
a very odd one that I've gotten in my records here.
It is the result of a bad job. What is
(43:42):
a bad job? Kids get talked into selling knives or
doing some kind of kakammy job where they don't really
make money. They don't really they don't understand the job.
It's some kind of con In some cases, they pay
money to try to get this job and they're told
they're going to be a manager. I'm going to tell
you some of them were selling vacuum cleaners. Some of
(44:04):
them were different kinds of jobs like that. And I'll
never forget the rainbow vacuum they would sell for They
had to sell these vacuums for four thousand dollars, but
they went into debt on their own to get these,
to get their demo and stuff, and so much of this.
These bad jobs are getting kids to sign up and
(44:27):
pay for instruction and pay for materials and pay for
this and pay for that, and they're really not good
jobs at all. They're bad jobs. And then of course
I just put on my list student loans because there
are many kids that start school and they don't realize. Look,
if you flunk out, you're gonna owe that money. You're
gonna owe it right away. Now, if you go through
and you graduate, that's a different story. They'll give you
(44:48):
some time to pay. But it is a problem for kids.
Three ozho three seven one three eight two five five.
Somebody has a question here about for sale by owner. Now,
this person happens to be in Valdiz, North Carolina, and Stephanie,
you took a look at his listing so well, he
wants to know why he cannot even get an offer.
(45:10):
Did you look at that? You looked at it right
the listing.
Speaker 6 (45:13):
Yeah, I looked at his listing. The house looks like
a nice property. And I don't know anything about their
market there.
Speaker 2 (45:19):
No but but but if you looked at the listening itself.
Speaker 6 (45:21):
Ricing goes as far as like location, all of that.
I couldn't but the listing itself, the photos look nice.
Speaker 5 (45:29):
I mean looking through it. I watched his virtual tour
that he did, you know, walk through.
Speaker 6 (45:34):
I liked the still photos I think better than the
virtual personally, because I felt like.
Speaker 2 (45:38):
It might combine a pricing for that area.
Speaker 5 (45:40):
Yeah, very possibly.
Speaker 2 (45:42):
What is he asking for it? Three three ninety and
it's in North Carolina?
Speaker 6 (45:46):
It is, Yeah, And like I said, looking at it,
it looks like a nice property.
Speaker 5 (45:51):
I'm looking at it on Zillo. He sent us a
Zilo listing Facebook.
Speaker 7 (45:56):
You know.
Speaker 5 (45:56):
I looked at the little virtual tour that he had.
Like I said, the.
Speaker 6 (45:59):
Virtual tour from me felt like a little bit of
fast through this through some of those rooms.
Speaker 5 (46:05):
But that's personal preference.
Speaker 6 (46:06):
I would suggest that if he shot that on his
cell phone, you can definitely see a person walk through,
you know, with a some type of recording device you
can see the shadows in it.
Speaker 5 (46:15):
I would suggest.
Speaker 6 (46:16):
Maybe reshooting that and taking your time a little bit,
panning the rooms a little better, because I did you know.
Speaker 2 (46:23):
So many people do this for sale by owner because
they think they're going to save money. Absolutely, So I
looked up Valdiz, North Carolina. If you're listening, the average
home price is two twenty six four. It's a three
point six increase over the past year. It indicates that
the median sale is two thirty five, which is a
four point seven percent year over here. This has been
(46:46):
going up this. I don't know what this guy said.
It's a bad market. It's not a bad market, sir.
And in fact, as of March twenty twenty five, the
median price was two fifty three. And what he's he
asking for it, oh three nine? Oh oh oh. He's
definitely on the high end high for the area, oh
way high. So that seems to be what it is,
(47:09):
three ninety especially for that home. It doesn't look like
a very special home for three ninety now. It's pretty,
it's pretty, yeah it is. Yeah, But I sir, if
you're listening, and I know you texted us that, so
I know you're listening. Uh, I think you're I think
it's price price price, it really is. It's a price
(47:32):
price price anyway. Three oh three seven one three talks
seven one three A two five five. We have more
coming up on the Troubleshooter Show. And if you have
anything about real estate give us a call as well,
or anything on your mind. Someone lies you, cheated you,
or ripped you off. Let's hear about it. Go with
(47:57):
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 all three seven seven to
one help. You'll think you're his only customer when you
(48:19):
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, your troubleshooter
three O three seven one three eight two five five.
Let me get to you. Uh and uh, let's get
(48:42):
to the phones. And Uh. We have Mark who wants
to comment on the Medicare Medicaid. I told him that
I was talking about Medicaid being eligible that bursts based
on income alone. What do you have to say? Mark?
Speaker 16 (48:57):
My question would be, uh said there were qualifications were
basically just your income a lot, but you drive or
money in the bank or homeownership.
Speaker 2 (49:12):
Right, that's right, that's right. It's not judged on assets,
only on income.
Speaker 3 (49:19):
Okay.
Speaker 16 (49:20):
That's my question, Gee, is if you're already on Medicare
for you do lack of income with qualified for Medica,
what's the what we can't have to do to combine
those two?
Speaker 9 (49:36):
You know what?
Speaker 2 (49:37):
I believe, This is what I believe. But we're going
to call Integra Insurance and find out Mark. So hang on, Kaschina,
get Integra on. I believe when you're on Medicare and
you're really hurting, I believe Medicaid can be a supplement
for you. It takes the place of a supplement. But
I want to find out for sure. So please hang on, Mark,
(49:59):
Please excuse me? What?
Speaker 10 (50:00):
Dave?
Speaker 2 (50:01):
Yes?
Speaker 3 (50:02):
Well, go ahead.
Speaker 16 (50:03):
Could you ask the gentleman you're bringing on your specifically
what those income qualifications? Rather than to verify that you
the equity that you have is not a practice.
Speaker 2 (50:20):
I will In fact, you can hang on when he
comes on and talk to him yourself. Let's do that
as soon as possible. Okay, thank you, Dave on a hello,
Hi Dave. What's going on?
Speaker 9 (50:35):
Sir?
Speaker 3 (50:37):
I have a question. My daughter came to me and
she had special.
Speaker 1 (50:41):
Needs, and they has had special needs since he was
two years of age, and now she's twenty six, single
lady with a three year old child. The state of
Colorado had given her a back pay for fifteen thousand
dollars and she was going to use that for a
(51:04):
car and getting into an apartment for her and her daughter.
Somehow she got talked too, she said my friend, and
I don't quite believe all of her what she told us,
but he had stamped her out of her fifteen thousand
dollars by asking.
Speaker 2 (51:24):
Wait a minute, Wait a minute, Dave, Dave, wait a minute,
wait a minute, I will So what was the fifteen
thousand and four that your daughter god back.
Speaker 3 (51:33):
Pay that she did not get from the stink for Medicaid?
Speaker 2 (51:37):
So back wait, back disability payments? Yes, sir, what do
you mean back pay? What? Well, what do you mean
back pay? I don't even understand it. Go ahead? Back
pay sometimes for her benefits.
Speaker 1 (51:54):
For back to pay for some of her benefits she
had not received.
Speaker 2 (52:00):
Okay, so it's for disability payments of some kind. Well,
back to me pay? What do you mean they don't
get paid for.
Speaker 14 (52:08):
Being The wrong term? Back pay is if you get
fired for unjust reason, but that's not and then you
fight it, then they reward you what's called back pay.
Speaker 2 (52:19):
Dave, I understand that, David, But your daughter fired from
a job.
Speaker 1 (52:24):
No, sir, well, yes he was, but that wasn't I
don't I use the wrong terminology.
Speaker 12 (52:32):
I'm sorry, Yeah, but we understand what okay saying.
Speaker 2 (52:36):
So what you're saying is your daughter should have gotten
benefits earlier, and because she didn't, they gave her a settlement,
yes sir, yes, okay. Now, and what that settlement was
fifteen grand.
Speaker 1 (52:56):
Yes, sir, you're just shy at fifteen fifty bucks. But
that money was put into I thought she was capable
of managing that herself, so when she put.
Speaker 3 (53:11):
It in the bank, I wasn't kind of.
Speaker 2 (53:15):
Involved. So how did she lose How did she lose them?
How did she lose the money?
Speaker 1 (53:22):
He sisted that she she needed to give him money,
and the way he wanted to get the money.
Speaker 2 (53:30):
Well, well, hold on, hold on, Dave. A guy called
her up out of the blue.
Speaker 12 (53:35):
That somebody should knows somebody.
Speaker 1 (53:38):
She said it was somebody she knew from the past.
Speaker 2 (53:42):
Who that was?
Speaker 3 (53:43):
I wasn't gonna but did.
Speaker 2 (53:46):
How did he know, Dave? How did this guy know
she got money? Tom, I don't know.
Speaker 1 (53:53):
I asked that same question to my wife. I do
not know.
Speaker 2 (53:58):
So this guy from her past calls her up and
magically knows she has fifteen.
Speaker 1 (54:05):
Grand somehow, I think, So I.
Speaker 3 (54:08):
Wrote him.
Speaker 2 (54:10):
And what did he do?
Speaker 17 (54:13):
He harassed her, hounded her to go to Walmart and
withdraw and buy him the scratch card thanks for a
hundred bucks.
Speaker 2 (54:29):
Okay, listen, this was not a friend of hers. That's
what she's telling you. She didn't know this person from Adam.
So a guy talked her into buying.
Speaker 1 (54:38):
What these scratch cards from Walmart that are like a
gift card and to turn around and take a photograph
of the receipt for all the gift cards.
Speaker 2 (54:54):
Yeah, this is a classic. It's a classic scam. So
he basically, did she get rid of did she get
scammed out of her entire fifteen grand?
Speaker 3 (55:02):
Yes?
Speaker 2 (55:02):
Sir, do you understand David, let me just give you
the news right up front. There's nothing you can do
about it.
Speaker 1 (55:11):
Well, you know if I could have put the hammer,
you know what I heard about it. You're the first
person I thought whether.
Speaker 3 (55:18):
Or not there was a chance or not.
Speaker 2 (55:21):
I get well, there would be a chance. Hold on,
if this is truly a guy from her past and
she has a phone number, does find out does she
have contact information for this guy? I think she's lying
to you when she says she knew him. She didn't
know him. It was some kind of online scam. I
don't know how they knew she had money, or even
if they did know, but she got lured in by
(55:42):
some scam. When you say she has special needs? What
kind of special needs?
Speaker 3 (55:48):
Lower intelligence intelligence?
Speaker 2 (55:51):
Well when you say lower intelligence, I know a lot
of people who are lower intelligence and they don't have
special needs. So do you mean like a mental di say?
I mean tell me, I mean what is her IQ?
What is her what is her level? What age?
Speaker 1 (56:06):
She's twenty six? Does she her she's twenty six years
of age and her IQ lessons in the sixty mark
lower sixties.
Speaker 2 (56:23):
Oh, well, she's is mentally retarded? Is mentally retarded? Still
a term or am I going to get in trouble
for that term?
Speaker 12 (56:31):
IQ in the sixties is a severe what's the term?
Speaker 2 (56:34):
I mean? This woman should be doing business on her own.
Speaker 3 (56:41):
I don't have an answer for you, Tom.
Speaker 2 (56:45):
Dave, but I have a question for you, why why
don't you have guardianship of her?
Speaker 3 (56:53):
Because social services?
Speaker 1 (56:57):
I feel like she's high functioning and she comes off
that way, but when it comes down to the fact
of it, to be fair and honest, she doesn't have
that capability of sustaining for herself or taking care of.
Speaker 2 (57:16):
So she got rid of So wait did she go
through Did she go through her entire fifteen grand?
Speaker 1 (57:25):
Yes?
Speaker 3 (57:25):
Sir?
Speaker 2 (57:27):
Wait what was she supposed to? Wait?
Speaker 18 (57:29):
Wait?
Speaker 1 (57:29):
Wait?
Speaker 2 (57:29):
When he was asking Dave, Dave, when he was asking
for this money, what did he say it was for?
Did he say she would make money on it? Or
what was what was in it for her?
Speaker 1 (57:43):
Tom, I was lucky enough to get that much information.
Speaker 2 (57:47):
Out of her. Was okay?
Speaker 3 (57:49):
Keep for being truthful.
Speaker 1 (57:50):
And if I dug into her too far, I know
I would she would go the other way on me.
Speaker 2 (57:58):
So I was just trying to Yeah, I get it, well,
I got some bad news. I got some bad news
for you. I got some bad news for you. Unless
she can contact this guy and we can get the
authorities on him. Find out and let me know, really
find out and let me know if she can get
(58:18):
Call her and see if she has contact information for
this guy and call us back. I'm Tom Martinez. We
have more coming up on the Troubleshooter Show three O
three seven to one three talk. 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
(58:42):
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 customer when you
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three three nine two
zero sixteen twenty two. Hi Tom Martino here, three O
(59:09):
three seven one three Talk seven one three eight two
five five. So Mark had a very interesting question. I
told him that medicaid is income dependent, and when you're
on medicaid, you know that's your your coverage, like your
health insurance. And then he I said, when you're on Medicare,
can you he asked, can you have both Medicare and Medicaid?
(59:30):
So I'm asking Integrant Insurance are health insurance experts. John
Jones Junior's on the line, JJJ, Triple J. That's his
rap name, Triple J. Hey, so John, integratinsurance dot com. Uh,
did you tell me one time that when you're eligible
for both Medicaid kind of becomes your supplement to Medicare
(59:54):
or not?
Speaker 19 (59:55):
Again, I mean you can have both. You can be
eligible for both Medicare and Medicaid and they coordinate. So
there's also other options for you that open up when
you become or if you are eligible for both Medicare
and Medicaid, And so we explore those.
Speaker 2 (01:00:15):
Arts like what like there are like what other options
there there? Yeah?
Speaker 19 (01:00:20):
There there are plans that are designed specifically for those
who are Medicare Medicaid eligible that that that are out there.
So but yeah, no, absolutely, you can have both and
be eligible for both.
Speaker 2 (01:00:32):
Okay, okay, and it's all based on income, right, yes, sir, yes,
because a lot of people wonder and that would be yeah,
a lot of people. No, it's okay. A lot of
people say, why should someone be on medicaid if they
(01:00:52):
live in a million dollar house?
Speaker 19 (01:00:56):
Well, they they may take into account assets. But that's
that gets more specifically into the medicaid side of things.
Speaker 2 (01:01:04):
That the only time John, they take into consideration assets.
The only time they take assets into consideration is for
assisted living or nursing homes or stuff like that. For
regular medicaid for doctors. Right, yes, yeah, So it's important
(01:01:26):
to know that the regular Medicaid, for regular daily medicaid,
it's income dependent and a lot of people are eligible
that aren't even applying. So, John, when someone becomes eligible,
let's say, or not becomes they've been eligible but didn't
know about it, they racked up bills, and now they
(01:01:47):
go on Medicaid. Does it go retroactive at all?
Speaker 19 (01:01:51):
It can go retroactive. I believe three months. I believe
three months now two years, certainly, but it can go
when you when you do the application that ask about
medical bills for the last three months.
Speaker 2 (01:02:07):
Now you said to apply for Medicaid. You can do
it online or you can do it by phone. I
was helping someone the other day and we made a
phone call to that number and it says your wait
time is three point five hours. Three point five hours,
(01:02:28):
so they expect people to wait on the phone.
Speaker 19 (01:02:31):
If you can put it on hold and do some
other things because our experience is the Yeah, the wait
time is certainly longer than just doing it online, but
there's a at least based on our experience or the
higher percentage of that application being approved immediately versus having
to wait for approval.
Speaker 9 (01:02:52):
If if you were to do it.
Speaker 19 (01:02:53):
Online, you can take up to ivery think forty two
days to be approved.
Speaker 2 (01:02:58):
Oh and if you do it by phone, it can
be almost immediate, but you have to just wait on
those waight times.
Speaker 19 (01:03:05):
Yeah, and it can a still be approved almost immediately
if you do it electronicity, if you do it online.
It's just our experience has always been it's been a
lot higher percentage that has approved immediately, much more of okay, yeah, by.
Speaker 2 (01:03:19):
Calling the number now now Mark Mark was the one
with the original question about Medicare slash Medicaid, Mark, do
you have any questions for John Jones?
Speaker 16 (01:03:29):
Well, I just want to make just more understand that.
Speaker 1 (01:03:35):
There are no.
Speaker 16 (01:03:38):
Values established in terms of property owned, or vehicles owned
or money in the No no, no no, because I
went on the site of Medicaid Connect for Colorado and
(01:04:00):
there was a stipulation regarding to the value of your
car and I've not that a change or you couldn't
have a house.
Speaker 2 (01:04:07):
Okay, Mark, Mark knows, Mark having helped numerous people, Let
me explain this to you. They may want to know
about your house, they may want to know about your car,
but they do not use it to disqualify you from
regular medicaid. The only time Medicaid seeks your equity and
(01:04:28):
assets is when you are looking for assisted living or
nursing homes. Okay, Now it's called medicaid. I mean, there
aren't two kinds of Medicaid. There's one. But I assure
you when it comes to regular Medicaid, they don't care
about your house and cars. I don't know why, but
(01:04:52):
they don't. And all they care about is your income. Now,
if you were to apply for assisted living or a
nursing home, then they would make you sell off your assets.
Do I have that right, John?
Speaker 19 (01:05:11):
I mean there's the clawback, and there's certainly information about that.
When we give our clients information about how First Colorado,
that's included in there, and so I recommend that you
research that sum. As far as calling back assets, they.
Speaker 2 (01:05:27):
Don't clawback except for living. John, I went through this
time and time again. They do not clawback for normal
medical expenses. The only time they do that is when
you need either in resident residential rehabilitation, nursing homes or
assisted living. Then they go in and want to be
(01:05:49):
reimbursed regular doctors' visits and surgeries and regular procedures. I
have never heard of them ever once, not once going
after people's assets for that stuff ever, not once. So Mark,
you know, okay, are you eligible for Medicaid?
Speaker 16 (01:06:11):
Possibly?
Speaker 2 (01:06:14):
Okay? What is your income? What is your income right now?
Speaker 9 (01:06:19):
It's it's nonimal.
Speaker 2 (01:06:23):
Normal. Well, I think, hey, John, what is the what
is what is the qualification for someone uh to get
on medicaid? What is the income?
Speaker 19 (01:06:36):
Are you a single tax filer?
Speaker 2 (01:06:38):
Sir?
Speaker 8 (01:06:39):
Yes?
Speaker 1 (01:06:40):
Okay.
Speaker 19 (01:06:41):
Then if the income is at or below one thousand
or below five dollars a month?
Speaker 16 (01:06:49):
Okay?
Speaker 2 (01:06:50):
Okay? Is that net or gross?
Speaker 19 (01:06:55):
That's modified?
Speaker 2 (01:06:58):
Okay? Okay, So it's modified adjusted gross income under seventeen
hundred a month? Is that right?
Speaker 13 (01:07:05):
Okay?
Speaker 9 (01:07:05):
Yeah? Approximately one?
Speaker 2 (01:07:09):
And how is it adjustified? Yes, what that's the bottom line.
Speaker 3 (01:07:15):
How has it adjusted?
Speaker 2 (01:07:16):
John?
Speaker 19 (01:07:18):
Well, when it comes so modified, a justic gross income
can take into account types of income that are not
part of your adjustice gross. But this gets into the
CPA side where I have to say I'm not certified
on that. Okay, things you're gonna want to talk to
your CPA to make sure that you're modified. That you
understand you're modified astic gross income.
Speaker 2 (01:07:36):
Okay, all right, thank you very much. Now, by the way,
Integra Insurance, if you're looking for any kind of health
insurance three zho three four six six fifty five hundred.
That's zero three four sixty six fifty five hundred more
coming up. Go with a sure thing Denver's best roofer
(01:07:57):
Excel Roofing dot com. You don't pay a cent. Oh
you're content, wait top of it. Time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three all three, seven seven to one help.
You'll think you're his only customer. When you choose Frank
(01:08:17):
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, you're troubleshooter. Three oh
three seven one three talk three oh three seven one
three eight two five five. All Right, So we've learned
(01:08:38):
a lot about Medicare and medicaid and all of that.
Now we move on to a topic. I'm gonna go
back to Stephanie Thomas with his Stephanie by the way,
if you want to get in touch with her. Stephanie
R stands for real Estate stephaniear dot com. So, Stephanie,
you said you pulled some stats on what I did.
Speaker 6 (01:08:56):
So I pulled a few numbers from Colorado Springs that
I wanted to share because with our elevated days on
market and average days on market being higher, I guess
I just wanted to kind of give everyone some hope that.
Speaker 5 (01:09:08):
We're starting to see things pick up. We are starting
to see that.
Speaker 6 (01:09:11):
So in the last ninety days, we've had one thousand,
six hundred and seventy four homes that have sold in
the Colorado Springs market.
Speaker 5 (01:09:18):
This is a single family and also a multi family combined.
Speaker 6 (01:09:22):
So I'm just looking at current numbers currently under contract,
though in Colorado springs. I've got one and forty six,
so that is telling us that's more than the last
three months of solts combined. So the great news there
is we are seeing things pick up. So that means
it is still a strong time if you want to
list your home. It's still a great time to buy.
(01:09:45):
You know, with elevated days on market, we are still
able to negotiate strong.
Speaker 5 (01:09:48):
Deals current actives.
Speaker 6 (01:09:50):
I've got two eight hundred and forty nine, so we
have a fair amount of inventory, but we are still
technically on this historical life.
Speaker 2 (01:09:57):
Is there a hot price range?
Speaker 6 (01:10:00):
You know, I was kind of looking, I don't have
a lot of inventory under four hundred thousand in this
single family homes. Wow, So I would say anything you
know there that's still a helping You imagine.
Speaker 2 (01:10:11):
Not being able to find a home under four hundred.
Speaker 5 (01:10:14):
You know you can, It's just I don't have a ton.
Speaker 2 (01:10:17):
So if I go ahead, are they usually fix your
uppers or what when they're under four hundred?
Speaker 5 (01:10:21):
You know, I'm seeing the mix. I've got a buyer
shopping that right now.
Speaker 6 (01:10:25):
And we've seen a really strong mix of some really
nice renovated homes and then some that need some love.
But I just pulled single families under four hundred thousand
in Colorado Springs and I have two hundred and twenty seven.
Speaker 5 (01:10:36):
So it's not that they're not out there, there's just.
Speaker 2 (01:10:39):
Not a ton. What are some of the lowest price homes?
Tell me what a starter? The lowest price you can
think of that you've seen recently?
Speaker 5 (01:10:46):
Oh goodness.
Speaker 6 (01:10:47):
I mean there's some neighborhoods that I've seen, some in
the two hundreds, But every neighborhood like that's going to
have a gotcha.
Speaker 5 (01:10:52):
So we have and I'm actually listing a home.
Speaker 2 (01:10:55):
You know, what do you mean a gotcha?
Speaker 5 (01:10:56):
In this neighborhood?
Speaker 6 (01:10:58):
These homes look really, I would say, very nice compared
for the price point you know, two hundred to you know,
two fifty two sixty five. This particular neighborhood, though, is
what's called a leasehold, so you're purchasing the improvements on
the property, you're not purchasing the property itself, so you
have a large monthly leasehold payment on top of that
(01:11:20):
purchase price. The current leasehold payment for that particular neighborhood
is seven hundred and fifty dollars a month.
Speaker 2 (01:11:25):
So wow, wow, that's weird.
Speaker 5 (01:11:29):
The price is great. You have this additional payment, the.
Speaker 2 (01:11:32):
Additional payment for what though for the land.
Speaker 5 (01:11:34):
For the land rental of the land.
Speaker 2 (01:11:36):
It's you're renting the land. Is it a mobile homemans,
It's not a mobile.
Speaker 6 (01:11:41):
It's a modular so they're permanently affixed to the property.
Speaker 5 (01:11:44):
So you have to have this lease.
Speaker 2 (01:11:45):
But for home ownership it might be a way to
get into home ownership.
Speaker 6 (01:11:49):
It can, but that seven point fifty is tacked on
top monthly great payment, so you're qualifying.
Speaker 5 (01:11:56):
It's going to be a lot higher.
Speaker 2 (01:11:58):
We got more coming up on the Troubleshooter Show. Go
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You don't pay a cent until you're content. Time for
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(01:12:18):
companies find out now three oh three seven to seven
to one help. You'll think you're his only customer when
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to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two with news you need advice.
(01:12:41):
Who you don't have.
Speaker 20 (01:12:44):
Run anxious ass as you can show Shooter's gonna help.
Speaker 4 (01:12:49):
Come man, This is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 2 (01:12:57):
Tom Martino here, Welcome to the show. Three all three
seven one three talkers our number seven one three A
two five five, Or you can call three oh three
Martino twenty four to seven and leave a message and
we will get back to you. Now. Do you know,
speaking of let's say real estate, we have Stephanie with
us today, Stephanie Thomas Stephanieri dot com. She's with Cold
(01:13:21):
Oil Bankers in Colorado springs By So friendly cities? Do
you know that a survey was done by America, but
it was done about America's friendliest cities. It's a survey
by a group called Yuzu. And what they do is
they provide information to Asians traveling in America and they
(01:13:45):
have a matrix they use to find the best and
most friendly cities. And real estate people have begun using
this for people who are making moves and they use
the friendly quotient. So what's the friendliest city in America?
According to you zoo? Take a guess. Okay, I'm going
(01:14:08):
to tell you something. If you can guess, I'm going
to give you a hundred dollars right now, the one
time you can't look it up right now, go on, guess,
one hundred dollars, Dmitri, go ahead, Hold on, brother, go ahead.
It's going to be somewhere in New Jersey. Okay, Eh, no,
seventy Thomas friendliest city in America. Don't you look at
my list?
Speaker 5 (01:14:26):
I can't read that far. I have no idea.
Speaker 2 (01:14:30):
Okay, Dragon, one hundred bucks, friendliest city and you wait, Dragon,
are you looking at it? Dragging? You lie?
Speaker 9 (01:14:35):
Oh?
Speaker 2 (01:14:35):
No, Dragon? Go ahead?
Speaker 1 (01:14:37):
Uh.
Speaker 2 (01:14:37):
Friendliest City Boulder, Oh Katchina Calori, the friendliest city, Salt
Lake City. Okay, Okay, I didn't not Yeah you looked
it up, you little creep. Now, and I didn't include you, bo,
(01:14:59):
so shut up. It's San Diego, Bo, you little you
googled it. I didn't do it.
Speaker 18 (01:15:06):
I don't have a kampruit here.
Speaker 2 (01:15:09):
Number two. Go get number two, and it's a trifecta,
not a trifectaymore anyway, Yeah, number two? Go ahead? What's
the number two? You say, San Diego is the friendliest city?
Number two? Raleigh, North Carolina? Yep. Number three Phoenix, Arizona,
number four, Miami Fort Lottery of my ass, Miami Fort Lauderdale.
(01:15:35):
I've been down there. That ain't friendly. I think Raleigh is.
I don't know about San Diego, Houston, number five, number six, Honolulu.
Then Boston, what are you kidding me? How can Boston, Cambridge,
Newton be on the top ten. They are the snobbiest
(01:15:55):
snobs of the snob snob snobs I've ever seen, and
I've been out there a lot. And then San Jose, Yes,
San Jose. They're just happy you come there because it's
such a rat city. Minneapolis, Saint Paul number nine and
number ten, number ten. What do you think, drum roll?
Speaker 7 (01:16:14):
Please?
Speaker 2 (01:16:14):
Number ten? Ready? Denver really the tenth most friendly city.
But I think Denver's way friendlier than Boston, way friendlier.
But anyway, that's for real estate. Actually, what do people
ask about when they ask for real estate? Sephanie?
Speaker 9 (01:16:36):
Really?
Speaker 2 (01:16:37):
What are they concerned about? Coming from another state? What
do they ask about? Because I mean they can pick
Denver or Color Roder Springs, Let's say they can pick anywhere.
What are they looking for? You know, a lot of.
Speaker 5 (01:16:45):
Times people are shopping things like school.
Speaker 2 (01:16:49):
Districts, Yeah, they have kids.
Speaker 5 (01:16:51):
Absolutely.
Speaker 6 (01:16:53):
We look at a lot of times vicinity to their
employment and that tends to be a huge determining factor
for people. Another thing, though, people will shop based on
their activities that they enjoy, so their hobbies. Some people
are going to shop based on you know, if they
like to mountain bike ride, they're going to be they
want to be close to some trail access.
Speaker 5 (01:17:12):
So there's some things like that that you know, people
definitely shop for.
Speaker 2 (01:17:16):
Do you know that Denver did not even make the
America's twenty Most Livable Cities America's top twenty.
Speaker 6 (01:17:25):
Colorado Springs tends to fare pretty well on some of
those independent studies, you know where it's a lot of
times voted one of the you know, top places to go.
And I think a lot of that is there's a
lot of amenity in Colorado Springs.
Speaker 5 (01:17:37):
You've got a lot of you know, the outdoors, the
beauty of like Garden of the Gods. You're so close
to Pike's people. Okay, now, people there.
Speaker 2 (01:17:44):
Okay, let's talk about this. This this one consumer group
again advising real estate people and rent people who are
looking to rent their homes out and also something called
the visual capitalists. They have come up with a chart
on the twenty most livable cities. Denver's not on that.
Denver's not on that, but Colorado Springs is.
Speaker 5 (01:18:06):
It doesn't surprise me.
Speaker 2 (01:18:07):
Yeah, Now Colorado Springs comes in comes in fourteen of
the top twenty. Number one they say is Portland. Number
two is Lincoln. I just don't understand. So anyway, Colorado
Springs is fourteen, but all been in New York beats
Colorado Springs. I don't get it. So this is most
livable and it's judged on seventeen matrix which include weather
(01:18:30):
and community and quality of life and all of that.
I often wonder about these surveys, I really do. I wonder,
you know, like San Francisco, for example, is number one
in quality of life on this survey, and it's under
when it comes to socioeconomics because it's so difficult to
(01:18:53):
live there economically, so you have different rings. For example,
for the actual community Des Moines, Iowa is number one.
Colorado Springs actually is right in the middle all on
all categories, whether it's socioeconomics, quality of life, and community.
(01:19:14):
Colorado Springs number fourteen, I say, in the middle, but
I'm saying in the middle when it comes to those
three categories. So anyway, are more people moving in or
moving out of the Springs?
Speaker 6 (01:19:28):
You know, I think the Springs has a lot of turnover,
really big part to the military bases that we have
around there, So we do get a lot of people
moving in and moving.
Speaker 5 (01:19:39):
Out for those reasons.
Speaker 6 (01:19:40):
For sure, we have a pretty you know, strong military
population in town.
Speaker 5 (01:19:46):
But I think people, you know, move in in general.
Speaker 6 (01:19:49):
It really just depends most I would say a lot
of times when I've got people who are moving out,
you know, some people are moving for political reasons.
Speaker 5 (01:19:58):
That's been fairly common the last real years. I've had
people that have moved for things like that.
Speaker 6 (01:20:03):
But a lot of times you've got people that are
moving because they're being PCSD somewhere, So that's not uncommon.
Speaker 2 (01:20:09):
Bruce, you have a problem with your Chevy. What's going on? Bruce?
Speaker 8 (01:20:16):
Hey, Tom, can hear me?
Speaker 2 (01:20:19):
Yes, sir, what's going on? Okay?
Speaker 8 (01:20:21):
My daughter's twenty fourteen Chevy Equinox. We got about one
hundred and thirty nine thousand miles on it, two point
four liter four cylinder. A couple of weeks ago, Buddy
and I we went ahead, replaced the balance chain, the
timing chain. We put a kid in, but it was
a balanced chain, the timing chain, the variable valve, timing sensors, solenoids,
(01:20:46):
a lot of pump We did the whole thing while
we're in there, and the car ran fine, ran real good,
no shaking, no nothing, And here lately.
Speaker 9 (01:20:57):
It's weird.
Speaker 8 (01:20:58):
It seems like it's a Monday morning problem. But it
sits over the weekend and she ticks out on the
interstate and it will shut her and die.
Speaker 3 (01:21:07):
It's like it's like it's losing fuel.
Speaker 2 (01:21:10):
But I don't know, Well, that sounds like a timing
issue to me, does it? So it runs okay when
you start it up.
Speaker 8 (01:21:20):
For the most part, Yeah, now here, the last couple
of days we've got like a miss, like a shake,
and we just put in new coils and plugs and
all that stuff right before we did all this timing
chain and balance chain. So I don't think it's a
coil pack. I'm not getting an injury code either. That's
the other problem. So to me, you're right, it leads
me to think that it's a DVT solnoid. But I
(01:21:43):
don't know if anybody else had the same issue. It's
like it's starving for gas. But I think it's a
timing issue. I don't think it's a fuel issue.
Speaker 2 (01:21:52):
All right, I want to get Kevin on. I want
to get one of our car experts on to talk
about this. So let me get it straight. Then it's
got one hundred and forty thousand miles correct, and it's
a twenty.
Speaker 12 (01:22:06):
Fourteen twenty thirteen equinus?
Speaker 2 (01:22:09):
Is it a thirteen thirteen?
Speaker 12 (01:22:11):
Okay, well, I'm so sorry I misfread that.
Speaker 2 (01:22:14):
It's a twenty fourteen with one hundred and forty thousand miles.
And the stuff that you changed all had to do
with timing.
Speaker 3 (01:22:21):
Yes, it all had to do with timing.
Speaker 8 (01:22:23):
It was a whole kit that we put in.
Speaker 2 (01:22:26):
And when you put this timing kit in and it ran,
it ran perfectly for a few days.
Speaker 8 (01:22:33):
Yeah, actually it ran perfect for probably a week, ten days.
It just starts showing up, probably a week ago.
Speaker 2 (01:22:41):
I don't get it. Why it would look so good
for a week and then and then stop. I agree,
And it started to shudder. So if you started it
up right now, how far can you drive it before
it starts acting up?
Speaker 8 (01:22:57):
Well, like now, it probably won't even happen at all,
but I will have a rough wow and uh okay.
Speaker 2 (01:23:05):
Here hold on, we definitely, we definitely got to get
our expert on, So hang on. I'm Tom Martino three
O three seven one three A two five five. By
the way, Frank durand the Realestateman dot com will do
a free market evaluation of your home if you want
to know what it will sell for but you don't
want to list quite yet. Don't worry, Frank will do it,
no obligation ever. Three oh three nine to zero sixteen
twenty two. Frank durand the real estate Man dot com
(01:23:33):
go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content
than time for an insurance check up free, no obligation
comparison call Compass Insurance. Pay 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
(01:23:54):
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,
I'm Tom Martino your troubleshooter three O three seven to
one to three talk seven one three eight two five five.
I have interesting situation here, and I have Kevin Caulkin
(01:24:15):
from Sheridan Auto Tech on are one of our car experts.
Uncle Kevin, I call him, and Bruce says, his daughter's car.
He put a timing kit in there, changed a bunch
of stuff in the in a twenty fourteen Chevy Equinox
with one hundred and forty thousand miles and including the
timing and all kinds of stuff. Bruce, just go over
(01:24:36):
with Kevin.
Speaker 3 (01:24:36):
What you put in, Tay, Kevin.
Speaker 8 (01:24:39):
So I went ahead and put a complete kit in.
I did the water pump, oil pump, front cover, I
did this, all thisprockets, all the guides, the whole complete kit.
I put it in and that came up the new
VVT sensors and VVT sprockets and boulders and everything so complete.
Speaker 2 (01:25:00):
And the timing belt right, tell me a belt it's
a chain, yeah, timing chain yeah, okay, I never know
whether it's a chain or belt.
Speaker 15 (01:25:08):
Yeah.
Speaker 3 (01:25:08):
And the balance chase okay.
Speaker 2 (01:25:11):
Now it ran perfectly for a week, then started to shudder.
What the hell's going on, Kevin. And now, so Bruce,
if you went out and started it right now, would
it be smooth?
Speaker 3 (01:25:24):
No, it it runs like it's got a miss.
Speaker 8 (01:25:26):
And right before I did this, I just put in
new spark, plugs, coils all that.
Speaker 7 (01:25:31):
I redid all that.
Speaker 3 (01:25:33):
So it's just got a slight miss. And I thought, well, maybe.
Speaker 8 (01:25:38):
It's because the air conditioner is running. So I heard
the air conditioner. I still have this slight miss. It's
a rough idol.
Speaker 18 (01:25:46):
Are you getting any codes it up in the zerial codes?
Speaker 2 (01:25:50):
Well, Kevin, it sounds like timing to me, right.
Speaker 18 (01:25:58):
Well, that's my first inclination. Yes, but I mean that
was they're pretty sensitive. But what a throne of correlation
code for the cam and the crank if the timing?
Speaker 2 (01:26:06):
So there's absolutely no code at all being thrown. You
you actually put something on that's on the on the
port to check the codes.
Speaker 8 (01:26:14):
Bruce, Yeah, absolutely I did, and I was not thrown
any codes. I do have one code right now. It's
for the catalytic converter. It's a downstream I think bank
two sensor one or something like that.
Speaker 2 (01:26:28):
And would that cause these problems? Kevin? No, I don't
think so I don't think so, uh, you don't even
so you don't have a good guess.
Speaker 18 (01:26:38):
Well, I mean I need to get a scanner hooked
up to it and look at data see if it's
it may not be counting enough misfires, but the scanner
can pick up on misfires. You know that the check
engine light won't set, you know, things like that. So
we need to look a little deeper into it. But
it's yeah, that's interesting because it's I would have thought
a timing code would have pumped.
Speaker 7 (01:26:59):
Well, we want to bring it by.
Speaker 18 (01:27:01):
We can plug in and see what it shows.
Speaker 9 (01:27:03):
That's not a big deal.
Speaker 2 (01:27:04):
That might be killing you ought to do that. Where
are you located, Bruce.
Speaker 1 (01:27:09):
San Antonio?
Speaker 2 (01:27:11):
You're in San Antonio? Oh my gosh, well welcome, by
the way. That's too bad, man. So if you start
out now, you'll get here tomorrow or the next day.
Speaker 8 (01:27:23):
Well here's here's the weird thing, Kevin. So this morning
I drove it to work just to seat. As she said,
I was acting up.
Speaker 3 (01:27:30):
And I left the house. I went, probably, I don't know,
a mile and.
Speaker 8 (01:27:35):
A half to get to the interstate.
Speaker 3 (01:27:36):
Car seemed run fine, still had that little rough idol.
Speaker 8 (01:27:39):
I got on the Interstate on the on ramp, I
started going down the Interstate, picking up speed once I
got up.
Speaker 3 (01:27:46):
To around and this is why I think it's a
timing issue.
Speaker 8 (01:27:49):
Once I got up around forty five fifty, getting up
to you know, speed sixty five seventy, it just stuttered, stutter, stuttered,
and started dying. I could start from fuel and to
the point where I rolled off to the rcase, I
thought I was going to stall out, and uh, I
picked my foot off the gas, put my foot back
into it, and then it worked itself out of it
and brand the rest of it work.
Speaker 13 (01:28:10):
Not a problem.
Speaker 2 (01:28:12):
Well, I can't believe, Kevin, I don't know, man like
you need to find someone that will. Yeah. I have
a suggestion for Kevin and Bruce.
Speaker 21 (01:28:20):
Is it possible that the electric fuel pump could be
losing rpm to deliver the fuel once you reach high speeds?
Speaker 7 (01:28:28):
Entirely possible?
Speaker 18 (01:28:29):
Yes, I think it's a field nothing to do with
any of it.
Speaker 2 (01:28:32):
Sure, but didn't he replace the fuel pump or was
it you? No, the oil pump and the water pump, right, yep, yep, right, okay,
but about yeah, you ought to look at maybe look
at the fuel pump. As both suggested, I gotta do
I have to take a break to dragging it or
did I do the fifteen? I did? Good? So let
(01:28:52):
me I have a couple of minutes here, all right,
So thank you. Kevin Caulkins shared an autotech dot com
three oh three four.
Speaker 9 (01:29:01):
Two.
Speaker 2 (01:29:01):
Hey David, what is your issue with telemarketers? David, Welcome
to the show.
Speaker 9 (01:29:07):
Yes, I'm getting about fifteen a day, one an hour whatever,
and I block every night.
Speaker 2 (01:29:13):
What are you kidding me? Did this just start?
Speaker 9 (01:29:18):
It started like last year before that I was getting nothing,
and then it's just over and over every I don't know,
every day.
Speaker 18 (01:29:29):
So I'm blocking now.
Speaker 2 (01:29:30):
This is on your cell phone, right And.
Speaker 9 (01:29:34):
I would say eighty percent of them are like Medicare,
and it's like I'm not even old enough for that.
I don't know, but they just I say, do not
call list everything I try. So I don't know if
anyone else has any ideas to get rid of them
or block them, or I don't know. I don't know
(01:29:54):
what to do.
Speaker 2 (01:29:55):
Well, you're you're doing everything you went on the no
call list, right, Well, I tell.
Speaker 9 (01:30:01):
Them individually when they call no call list and.
Speaker 2 (01:30:05):
No no, no, no, no, no, no no. You've got
to actually go to a no call list and put
your number on it. Go ahead, So hey David, go ahead.
Speaker 14 (01:30:15):
But there are actually two lists that you need to
get on, and most telemarketers really do scrub their database
against these two lists. One of them is the Federal
Do Not Call Registry and the second one is the
Colorado Do Not Call List, And once you enter your
phone numbers into both of those databases, it takes thirty
(01:30:36):
days to become effective. But I can tell you that
most telemarketers it really does work.
Speaker 2 (01:30:41):
They do scrub.
Speaker 14 (01:30:43):
It's not going to get rid of all of the
spam you're getting, but it will get rid of a
lot of that spam. Because the penalties, the civil penalties
are so severe for violations of these lists that most
s tele marketers really do use the scrubbing feature that
the FCC offers.
Speaker 9 (01:30:59):
Okay, why even too, because half of them are just
at the beginning of computer anyway, but they will still
follow that.
Speaker 2 (01:31:05):
It would still apply.
Speaker 12 (01:31:07):
Yeah, it's the phone number. It's your phone number that's
going to get scrubbed. Is your number? Are you using
it for a business? Is it on a website? Or anything.
Are you advertising?
Speaker 2 (01:31:16):
In other words, how are people getting your number?
Speaker 9 (01:31:19):
I don't know, Yeah, I don't you know.
Speaker 2 (01:31:23):
Listen, I'll tell you what we do all kinds of stuff.
We download apps, we go to other sites, we get cookies,
and there's so many different ways people can get your
number and then start harassing you, so many different ways.
But do the actual no call list and that should
help you. I'm Tom Martine. We have more coming up
on the Troubleshooter show. Kinage Home Solutions now with k
(01:31:46):
and Age Painter Pros as well so windows, siding, doors
and more including painting. Kang has what you're looking for
Kwindows dot com. Go with a sure thing Denver's best
roofer Excelroofing dot com. You don't pay a cent until
you're contenth time for an insurance check up free, no obligation.
(01:32:11):
In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two. Hi
(01:32:32):
Tom Martine here, Welcome to the show. Three oh three
seven on three talks seven on three A two five five.
All right, we have some breathing room here. We're gonna
take Stephanie Thomas from Coldwell Banker in Colorado Springs. Somebody
wants to know what that we danced all around at
talking about for sale by owner and they want to know. Basically,
they said, what exactly do you pay to have your
(01:32:54):
home sold?
Speaker 16 (01:32:55):
So?
Speaker 2 (01:32:55):
What are the commission structures right now that you normally
see the market unfortually?
Speaker 5 (01:33:03):
There's not a normal. There's not a normal. There's not
anything set in stone, right.
Speaker 2 (01:33:08):
Is there a conventional?
Speaker 18 (01:33:10):
No?
Speaker 1 (01:33:10):
IM?
Speaker 5 (01:33:10):
And I think that's a subject way.
Speaker 2 (01:33:12):
So when you go to list a home, or you
go to buy a home for someone, you negotiate it
right there.
Speaker 5 (01:33:16):
You can negotiate with that individual agent.
Speaker 6 (01:33:19):
I think I have to be fairly careful here in
giving any type of industry average anything like that, because
of those you know, past lowsuits.
Speaker 2 (01:33:27):
Those lawsuits said you're not allowed to all do something together.
Speaker 5 (01:33:31):
We can't.
Speaker 6 (01:33:31):
But I don't even think we're allowed to publicly talk
about numbers or averages or I think that's so.
Speaker 2 (01:33:36):
Really, but but well, let's put it this way, because
I'm just curious. Is it safe to say they're going
to pay at least five percent when they sell their house.
Speaker 6 (01:33:46):
It really depends, honestly, they really need to talk with
an individual.
Speaker 2 (01:33:50):
Everything's negotiable.
Speaker 5 (01:33:51):
Everything's negotiable.
Speaker 2 (01:33:53):
So I can have someone list my home. I can
have someone list my home and say I'm not going
to pay a penny more than four percent, and then
that broker and say, well, then find someone else.
Speaker 5 (01:34:02):
Absolutely they can. And here's the thing. We all have
our own individual.
Speaker 6 (01:34:05):
Marketing that we do. We have those costs that we
account for. Of course, the commission structure that we agree
to work for. Our contract actually recently came out and changed,
you know with Coldwell Banker Are I know, our attorneys
made some edits for us where it goes in and
addresses because in Colorado, the listing contract previously had an
(01:34:27):
x percentage and then it went into define out after
that in the event that a buyer's agent brought a buyer,
we would then give X percent of that percentage that
was agreed upon and that co op compensation we can,
but it's a little bit different. So Now the contract
stipulates and says the listing agent or listing company is
(01:34:48):
working for x percent. Okay, you as the seller are
agreeing to a different percentage completely for the a buyer's agent.
If you're doing that, Coldwell Banker actually has kind of
taken that verbage out about on our contracts where it's
now a separate document that says, hey, you're advertising x percent.
(01:35:11):
You're giving us permission to advertise, you're offering buyer compensation
of x percent. So it's really just some housekeeping items
on how they're defining that differences out. So before, for instance,
if you had a four percent or five percent or
six percent or whatever, that looked like whatever you agreed
upon and then it was split x and X.
Speaker 5 (01:35:29):
Now it's like you've got one percentage and you have
another percentage.
Speaker 2 (01:35:34):
Really now it is defined so it's differently. And then negotiation.
Speaker 5 (01:35:38):
Absolutely, so your listing percentage, of course would be between
the listing agent and the seller.
Speaker 2 (01:35:44):
That's could the listing agents say I'm not paying I'm
not paying the buyer broker you absolutely they can, really, yes,
that's always been something that's been you know, the goal.
If the listing agent says we're not going to pay
a buying broker, then the buying broker would have to
get that money from their clients.
Speaker 6 (01:36:00):
Absolutely, and that happens that That's always been in our
contract as well, the buyer's agency contract. There is a
section in there that defines out and you say, if
I can't get a share, and how that how that
gets paid?
Speaker 2 (01:36:13):
It either gets paid by the seller, of the seller refuses,
then you agree to pay it.
Speaker 5 (01:36:16):
Correct.
Speaker 2 (01:36:17):
Yes, this is all very interesting.
Speaker 5 (01:36:19):
That's been in our contract as long as I've been
an agent.
Speaker 2 (01:36:22):
So what was the lawsuit about?
Speaker 1 (01:36:23):
Really?
Speaker 6 (01:36:25):
The lawsuit actually started in a different state, you know,
and it became a national lawsuit and everyone kind of
got in there together.
Speaker 2 (01:36:33):
Was what was the main of it?
Speaker 5 (01:36:37):
Actually commissions.
Speaker 2 (01:36:38):
You can't have a fixed commission.
Speaker 5 (01:36:40):
There was some accusations of that.
Speaker 6 (01:36:41):
I believe it started in another state where an individual
was told they couldn't change commissions.
Speaker 5 (01:36:48):
I you know, I was just kind of going back
on some of the reports that we've got.
Speaker 2 (01:36:51):
Commissions basically now are totally negotiable.
Speaker 1 (01:36:54):
That's just it.
Speaker 3 (01:36:55):
Really.
Speaker 2 (01:36:56):
Then, I don't understand that there's always.
Speaker 6 (01:36:58):
An industry average, you know, with any industry, not just
real estate commissions. But with any industry, you've got an
averaging an average pricing to be competitive to the market.
So that's I don't know that that's necessarily gone away.
I think there's still averages. But what this did is
not all states had buyers agency contracts, so that has
(01:37:18):
now come into play. Colorado's had buyers agency contracts, like
I said, as long as I've been an agent.
Speaker 2 (01:37:23):
So now that did not have buyer's agencies.
Speaker 6 (01:37:28):
They didn't have the contracts. They had buyers agents, but
the contract was a little bit different. So we have
the buyer's agency contracts in Colorado's, so we've kind of
been a little bit ahead of the game. The other
piece of that is here, Yeah, we no longer are
advertising any type of buyer's compensation commission on the MLS.
(01:37:48):
So the idea there is you can't show, you know,
you can't see what's going to be offered at that
point you're negotiating, and then that's going to be between
you and your buyer, whatever you've agreed to with your buyer,
got it.
Speaker 2 (01:38:02):
All, right, Well, that's very very interesting how that's all changed.
But you're saying it's always been negotiable. I just think
that there needed to be clarification because I always assumed
it's a certain amount period and you pay it or
you don't, or you don't get somebody to work for you. Ernie,
what's going on with you? You had a question about taxes? Hello, Ernie,
(01:38:28):
I'm here, go ahead, Ernie.
Speaker 13 (01:38:30):
All right, I'm considered blind right now and my taxes
are going to be fouled. Do I have to pay?
Is there any exclusions? Are blind people? As far as there.
Speaker 2 (01:38:44):
Used to be, there actually used to be. And I'm
not sure if that's still that way. I don't know
if there's a special exclusion for the blind. We can
look that up though for you and find out. Hold On,
let me just ask ai here, Okay, hold on, all right,
(01:39:08):
hold on, I'm asking it right now, right now. Let's
see what they what says I said? Is there a
special concerting of tax Let's see. Yes, individuals who are
legally blind are eligible for specific tax benefits on federal
and state levels. Legally blind taxpayers can claim an additional
standard deduction on their federal income tax return. So are
(01:39:32):
you filing single? Yes, sir, you get an additional nineteen
and fifty dollars as a deduction. But you you really
need to talk to an expert. You don't do your
own taxes, do you, Ernie?
Speaker 13 (01:39:49):
No, No, I don't. I just wondered sex increase quite
a bit when let's start taking that minimum retirement.
Speaker 2 (01:39:59):
I mean, oh, how old are you right now? How
old are you right now?
Speaker 18 (01:40:04):
May eight?
Speaker 2 (01:40:06):
Well, that minimum that minimum distribution happened way back when
you were seventy two.
Speaker 13 (01:40:13):
Yeah, it continues right or right through you know. True,
I don't know how.
Speaker 2 (01:40:18):
So you're saying your tax rate. You're saying your tax
rate went up.
Speaker 13 (01:40:22):
Yeah, well I guess I ain't coming up because they're
taken four dollars a month they send to me, and
that's considered income.
Speaker 2 (01:40:31):
No, of course, that's your minimum distribution. I got it.
So you must have some retirement put away.
Speaker 4 (01:40:38):
I have.
Speaker 13 (01:40:39):
Yeah, I had a couple of dollars put in plan.
Speaker 2 (01:40:43):
Okay, okay, wow right, so Ernie, so Ernie, okay, So
basically it is you know, all I can say is
it is what it is when it comes to that,
and you do get an extra federal deduction and some
other deductions, but go to an act tax expert, uh
(01:41:05):
and find out more. Okay, because we can't give you
specific tax. If you had a specific question, we can
get it for you. We have more coming up on
the Troubleshooter Show three O three seven to one three
Talk seven one three eight two five five. Go with
a sure thing Denver's Best roofer Excel Roofing dot com.
(01:41:26):
You don't pay a cent until you're content. Please time
for an insurance check up free, no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven to
seven to one. Help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
(01:41:46):
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.
Speaker 5 (01:41:58):
I think it's just more clear.
Speaker 2 (01:42:00):
Hi, Tom Martinez here at three zero three seven to
one to three talk seven one three eight two five five.
All right. I have a text here that says, Tom,
what is your motive? Are you subliminally suggesting a lot
of medicaid fraud by people who are living in expensive homes?
I don't think that's the case. I don't think anyone
(01:42:22):
with any means is going to choose to be covered
under Medicaid versus some other health insurance, including Medicare. Care
under Medicaid is generally pretty sucky, like way substandard. Okay,
let me address this first when I said Medicare is
now income based, meaning a lot of older people and
(01:42:43):
a lot of people on fixed incomes might have a
house that's completely paid for, but they don't have much income,
they are eligible for Medicare or Medicaid. So Medicaid is
available to people who make less than seventy as a
single taxpayer seventeen hundred dollars a month of gross income
of adjusted gross income. If you make more than that,
(01:43:05):
you're not eligible. If you make less than that, you
are eligible. So here's the bottom line.
Speaker 6 (01:43:11):
You have to.
Speaker 2 (01:43:15):
Apply on income alone. Is it true that Medicaid has
pretty sucky service, Absolutely positively.
Speaker 6 (01:43:26):
No.
Speaker 2 (01:43:27):
In fact, Medicaid offers some of the best providers and
some of the best healthcare in the system period. And
I know that because I know people who do Medicaid
and they say that the service and the quality of
care is better than they've ever had in their entire life.
(01:43:48):
So that is truly truly misunderstood Medicaid does not mean substandard,
absolutely positively does not. I am not suggesting medicare fraud
or medicaid fraud. It is not medicaid fraud. If you qualify,
you qualify. It doesn't matter if you have an airplane
(01:44:10):
or a house, or a boat or a yacht, or
doesn't matter. It matters income period income when it comes
to regular medicaid. So there, and I'm not suggesting it's
fraudulent at all. That's the system and people have a
right to take advantage of the system. Now, this one
(01:44:31):
guy who had a home. Where did he say he was?
He was in North Carolina, Valdiz, North Carolina. Said he
had sold houses on his own. He was having trouble
selling this one. And I said, I think you're asking
a little too much for the average price in that market,
because we looked up the average price and it was
around two eighty and he was asking three ninety, right, Okay,
(01:44:53):
So we wondered, why isn't it selling. It's probably priced.
And what he said was I fixed up the house.
Most of the those houses selling for cheaper need a
lot of the upgrades I already did. So that is
a cautionary tale. Maybe if you have a neighborhood where
houses are selling, let's say for three hundred, and the
(01:45:15):
average home is like three hundred, and they need a
lot of work, and you do all the work, and
now you're going to sell for three eighty five or
four twenty. Is that wise? You know?
Speaker 6 (01:45:26):
It's it's the rule of thumb is it's always hard
to be the most expensive home in the area because
ultimately it's harder to find comparable sales when determining value.
Speaker 2 (01:45:36):
So it's better to low price in the neighborhood.
Speaker 11 (01:45:39):
You know.
Speaker 2 (01:45:39):
Yeah, I if maybe he's justify did he make a
mistake by fixing up that house too much?
Speaker 5 (01:45:46):
He may have over improved it. That's the possibility.
Speaker 6 (01:45:50):
What will happen is they the appraiser, may be able
to extend the area a little bit as long as
they stay in a like neighborhood. You know, they do
have things they won't go outside of, you know, crossing
major roads or you know, things like that, changing neighborhood
type to find a home to justify it. But if
they can't find something that justifies that comprey, yeah, they
can make some adjustments. My suggestion to this gentleman would
(01:46:12):
be to get an independent appraisal and just get you
know that, get to load down.
Speaker 2 (01:46:16):
What is it worth, what is it worth? What they
do you might have over improved it, sir. So here's
the bottom line. If you're going into a neighborhood and
you want to improve your house to sell it, don't
improve it too much. Because some people would rather have
the affordability of a home than new windows. They might think,
I can buy this house and live in it at least,
and I'll get new windows someday. Sure, And there are
(01:46:38):
certain and you can always make a concession after you
get the contract. Yeah, you can definitely, you know, put
it in the contract.
Speaker 6 (01:46:44):
You're in inspections and things like that. But you know,
one thing, you just want to be cautious not to
do that. Or I had a you know, a transaction
where the property was so overimproved and we had that
were renovated comps and this one, you know, was just
(01:47:05):
so much higher improved that they came in, you know.
Speaker 5 (01:47:08):
Really over the top in pricing and there was no
justification for it.
Speaker 6 (01:47:12):
So they pulled comps from different towns in the same uh,
in the same county, And.
Speaker 5 (01:47:17):
That's not really going to work.
Speaker 6 (01:47:19):
I think you need to hyper focus on your location
and make sure you're good to the location.
Speaker 2 (01:47:24):
All right three oh three seven one three talk seven
one three eight two five five. This is the Troubleshooter
Show where solving problems, answering questions, taking complace. Sketch your
calls in for anything you need, or you can text
me at seven four seven nine nine nine fifty two
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or on the iHeart short code five seven seven three
(01:47:46):
nine put Tom there, go with a sure thing Denver's
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(01:48:08):
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.
Speaker 5 (01:48:19):
Yeah, ripped of.
Speaker 6 (01:48:26):
News.
Speaker 5 (01:48:27):
You needed that so you don't have a.
Speaker 2 (01:48:31):
Camun anxious as fast as we can.
Speaker 12 (01:48:35):
Shooter's gonna help.
Speaker 4 (01:48:36):
Come man, This is the Troubleshooter Show now, Tom Martinez, Hello, Hello, and.
Speaker 21 (01:48:45):
Welcome to the fourth hour of the longest standing consumer
advocate show in the world. For over forty five years,
the Troubleshooter Show has been solving your problems and complaints.
In addition to over three hundred and fifty million dollars covered,
the Troubleshooter has actually saved our audience millions of dollars
(01:49:05):
and avoiding costly mistakes by simply listening to our show
on a daily basis. I am Deputy Bo along with
Deputy Dimitri and special guests real estate expert Stephanie Thomas.
Speaker 2 (01:49:20):
We have three lines open right now, so give us
a call at.
Speaker 21 (01:49:23):
Three oh three seven, one, three eight, two five five
or three oh three. Martino, the founder of the Troubleshooter Show,
Mister Tom Martino is here now.
Speaker 2 (01:49:34):
All right, bo, Okay, you know what I'm gonna do. Ah,
that's a good open, good open. Thank you so much.
That's a hard act to follow. So what we're doing
today is uh trying to solve your problems. And I
have some texts I want to get to I told
you you could text me at three zero three excuse me,
seven four seven nine nine nine fifty two eighty And
(01:49:57):
I got this link and I'm not sure what it said.
It says realtor something something, and it is about the
do's and dones of listing homes and all that. Do
you do social media like that's Stephanie, I.
Speaker 5 (01:50:12):
Don't you know.
Speaker 6 (01:50:13):
I use social media to get a good audience for
my listings, to you know, give buzz for open houses
things like that, But I don't do all the little
videos and you know, things that you see some of
the agents doing on TikTok.
Speaker 2 (01:50:29):
Yeah, there's so many ages on TikTok or on Instagram
or on YouTube trying to give advice. Okay, So somebody
wants to know what's the hardest kind of house to sell? Okay,
I don't even know what that means. What do they
mean by that? What's the hardest? What would like like
a single family, one bedroom? There are no bunvit.
Speaker 6 (01:50:47):
I think the hardest home to sell something that's really
informing to the area. So, for instance, if you have,
you know, a home that is eight thousand square feet
overbuilt for the area, surrounded by homes that are typical,
you know, say twenty five hundred square foot, you know,
just giving some examples.
Speaker 5 (01:51:08):
That home is overbuilt for that area, so it's going
to stick out.
Speaker 6 (01:51:11):
I do think that's going to be a harder sell
because most of the homes in that area, you know,
and just giving random offhands, it might be four hundred
thousand when you look at this other home being so
much larger, so much more substantial, you know, potentially valued it,
say over a million, and then you've got a million.
Speaker 5 (01:51:30):
Surrounded by homes that just are completely different.
Speaker 2 (01:51:33):
So you don't want to have the most expensive home. Also,
you want to be conforming. I know a woman one
time who built a log cabin in Denver. In Denver,
she couldn't sell it. She wondered, why who's going to
buy a log cabin in Denver in a regular neighborhood.
Speaker 20 (01:51:47):
Yeah.
Speaker 6 (01:51:47):
I think that's what gets really hard because areas, you know,
in neighborhoods and things, you know, your buyers are looking
in those areas for amenities. So unless you have that
one off buyer that just happens to fall in love
with it right and has the means to facilitate that purchase.
You know, it kind of goes into what we were
talking about with you know, the gentleman that potentially overimproved
that property, that has a home that's going to be
(01:52:08):
so much more expensive than the others around it. You know,
it just becomes a difficult position.
Speaker 2 (01:52:13):
Of course. Now there's another one, find the value too.
There's another one. I think people severely limit themselves when
they do Frank Lloyd wrong or Frank Lloyd right. You
know these modern looking boxes with steel and grays and glass.
H I mean, now there might be people listening, but
we call them modern, which is funny because they look
(01:52:34):
the same. In nineteen sixty we used to call a modern.
We still call a modern because no one's ever caught
up with it. But there was always a concept by
Frank Lloyd Wright of what houses would look like. And
they look like alien spaceships, or they look like dental
offices or something, and then they become a home. And
I jokingly call it Frank Lloyd wrong. Now that's one
(01:52:55):
of the most Frank Lloyd Wright was one of the
most prolific successful architects in the world. But Frank Lloyd Wrong.
Homes in a neighborhood you have conventional beautiful brick homes,
Stuckleholmes beautiful homes. Then you have this thing that looks
like a library or or an office at NASA. You
know that with steel and glass and square. Have you
(01:53:19):
seen those? I've seen some of those, and you know
you got to find the special buyer for that you do.
Speaker 6 (01:53:24):
And I think a really good rule of thumb is
whenever you are doing any type of improvement to your
home you want and you're doing it with the intent
to sell, you know, you want to do it so
that you are going to appeal to the masses and
not just a specific amount, you know, a smaller amount
of potential buyers. You know, anytime you overly specific do
(01:53:47):
something like that, whether it's super ultra modern or you know,
maybe you take out all your bedrooms and create one
giant suite because that facilitates your need. Well, what you've
done is you've taken you limited your buyers, limitted your buyers.
Anytime you limit your buyers like that, your financial gain
is potentially limited as well.
Speaker 2 (01:54:06):
And that goes for like neighborhoods on golf courses and everything.
Golf courses might be the most beautiful thing in the world,
but there are some people won't pay for it.
Speaker 6 (01:54:13):
Absolutely, you've got that specific buyer looking for that that's
going to go in and of course.
Speaker 2 (01:54:17):
Justine and then like in Florida, you have communities with
docks with swimming pools, you have airport communities in Florida,
a lot. You have a couple here in Colorado, which
is the most dumb thing you could ever do. As
much as I love aircraft, I mean, to buy an
airport property, do you know you have to not only
find a guy who wants to buy that, but a
wife that will go along with it. I mean, I mean,
if you think about it, how severely limiting is that market?
(01:54:41):
So anything to now horse properties, that's another thing that's
not as severely limiting because people will live. They'll live
in a horse property even if they don't have a horse.
Speaker 9 (01:54:50):
Yeah.
Speaker 6 (01:54:50):
Somebody who just wants some space, right right, So that's
something that it becomes a feature when they go to market.
Speaker 2 (01:54:56):
Lives on a horse property. Yeah, but he doesn't have horses.
But see, they just wanted the space. So really, by
the way, I got this text which is very interesting saying,
look at this instagram concerning realtors and commissions. Take a
look at this guy from Boulder who thinks the real
estate industry is a cartel and his goal is to
disrupt the industry with an AI assisted company called for
(01:55:19):
sale by owners and sellers that don't want to pay
enormous commissions to realtors that offer little value. See I
doubt see. I don't know realtors who charge commissions and
offer little value, because the only ones I really know
are you and Frank Duran. And I can say in
almost every single not almost, in every single case I've seen,
you guys have outsold the market. And I don't think
(01:55:40):
there's any way an individual with one house one perspective
could ever see. You look at the overview and you're thinking,
wait a minute, I had a house like this over
and such and such, and I was able to do this,
this and this, let's start out here and we're going
to get this price. I don't think an individual can
do that. And I certainly don't know what the how
(01:56:02):
shall I put it, what this industry can offer. I
might play some of it on some of this Instagram
on it, but I let's say, yeah, I'm just interested. Again,
he's talking about selling a home let's see can you
I don't even know if I can hear this over
the air, but let's see you. No, I'm not getting
his audio. Oh wait, wait, you're new here or this
(01:56:24):
is coming over the air algorithm. Here's a little background.
Speaker 20 (01:56:27):
A few months ago, I decided that I wanted to
sell my house in Colorado without an agent, and that
process opened my eyes to just how broken the system
of buying and selling homes is in the United States,
and it prompted me to start a new company called Ridley.
Speaker 2 (01:56:40):
Our mission with Ridley is very seat of this guy.
Speaker 20 (01:56:42):
If you want to help consumers save tens of thousands
of dollars unnecessary commissions by building a platform that leverages
AI to automate much.
Speaker 2 (01:56:50):
See, I don't believe they are unnecessary commissions, except now
there are scenes of giving people the ability to bring
intuity support only when they need it.
Speaker 20 (01:56:57):
So I incorporated this company. Like twenty seven days ago,
I raised a preced investment. I've hired two engineers, a
data scientist and a product designer, and we are probably
two weeks away from having our MVP complete. An MVP
is basically your minimally viable product, or like the first
product that you can take to market to begin to
test with.
Speaker 2 (01:57:15):
Well.
Speaker 20 (01:57:16):
Okay, so meanwhile, we already have a handful of sellers
that are in our manual beta who are combined on
track to save well.
Speaker 2 (01:57:21):
Right, so his host stick is doing away with brokers
and be able to do it yourself. There's nothing wrong
with you yourself. But I'm going to tell you something.
There's way more to it, way more to it than
putting up a sign. And I will tell you this.
That guy was talking about a lot of realtors that
I and I agree with him on it, that there are.
(01:57:42):
I used to have this expression. Somebody said, oh, it's vulgar,
don't use it listing whores. Okay, now I know it's.
What I mean is they list list list list list,
put signs up and do nothing, and they let other
people sell the homes they're listing horse. They do nothing
proactive to sell their own listings. They all they do
(01:58:03):
is put their yards sign is as many yards as
they can, hoping that other people do the work for them. Now,
there are still people like that, you know there are.
Speaker 5 (01:58:13):
That's not how I operate, well, of course not.
Speaker 2 (01:58:15):
Of course, you wouldn't be here if you know, no, no, no, no.
Speaker 6 (01:58:17):
But one thing that I always do, and kind of
a mantra of myself, is you know, it's service over sales.
So rather than that numbers game, I'm looking to put
my clients in the best possible position that I can,
and I guide them throughout that entire position, besides my
marketing plan, besides the reach that I have, you know,
with the company I have backing me because we've got
(01:58:38):
some fabulous marketing tools, which is ultimately why I'm at
Cold World Banker.
Speaker 2 (01:58:42):
No, no, look at well. I think guys that list
a home and do nothing, the hell with them. And
you know, but I've seen what a good broker can do,
and they almost always get way more money. But not
only that, they know how to negotiate. I have a
buyer broker right now in North Carolina. I shouldn't say that,
but it's in North Carolina. And the reason I say
(01:59:03):
that is I agreed to keep quiet on my areas
we bought into with vester Era. So I have Vestera
Turnkey and Vesarah Turnkey helps people become landlords in markets
right with promising equity, good rents. And I started with
my Wave eight Wealth Management, I had people that wanted
to do Vestera, but they didn't want to do it alone.
They want in other words, and Barry, because he's not
(01:59:26):
a securities broker, he can't do he can't pull money.
So what I did was started some outside business interests
from Wave eight and I did separate LLCs where we
own a property. So these are people that want to
be part of turnkey, but they don't want to make
the whole investment themselves, and they don't want to be
on the hook for a loan. So I do the LLC,
(01:59:47):
I take out the loan, and I gather people who
want to invest less. I have a buyer broker. I
swear to God that this guy, I have never seen
this level of starch. Now I'm not saying here, I've
never used you as a buyer. Listen to what he did.
He lines it up, he does negotiating, He makes the offers.
He then lines up the inspection, He lines up the
people to mitigate inspections, He lines up the appraiser. He
(02:00:11):
does everything. I don't do anything. I mean nothing. He
just sends me docu signed documents. Those people to me
are worth every single penny, every single penny. Yeah, we
do a lot, Dmitri, did you.
Speaker 12 (02:00:24):
Want Yeah, well I do have a question for Stephanie.
If this is an appropriate time, yeah, let's.
Speaker 2 (02:00:28):
Do it right after the break. Give the question and
we'll come back to it.
Speaker 12 (02:00:32):
Well, you'll take me a minute to even first, Okay.
Speaker 2 (02:00:34):
Then here's what we'll do. We'll come back to that more.
Get your calls in three oh three seven on three eight,
two five five A spirited discussion on real estate. And
I want to look into more of that guy in
Boulder who wants to disrupt the industry. I'm gonna listen
to some of his social and see if I can
play one or two of them on the air. We
got more coming right up. Go with a sure thing
(02:00:58):
Denver's best rufer exceling dot com. You don't pay a
cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three all three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand
(02:01:20):
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 at three oh three
seven one three talks seven one three eight two five
to five. So I happened across the social media of
a guy started a company called Ridley and he wants
to disrupt the real estate industry. He's not the first
(02:01:40):
one and want to do that. And I'm not putting
this guy down, by the way, but somebody texted me
about him and said what he's doing. He has an
AI assisted company, and if the truth be known, everyone
has AI assisted companies right now. But apparently he wants
to disrupt it. He believes that real estate people are
not doing their job. Now, I'll grant you there, there
is something to be said about listing whorees that put
(02:02:03):
All they do is list as many homes as they
can and play the odds and have other people sell them.
There are people that don't do their job, Sephanie Thomas,
you know you and Frank are an exception. You really
are not just saying this, but truly, there are real
estate people that give your industry a bad name, right,
I mean, they don't do their job.
Speaker 6 (02:02:20):
There are some, and there are you know, but there
also are some very amazing advocates.
Speaker 2 (02:02:25):
No, now, I want to play this one thing right
here is little secret for you.
Speaker 20 (02:02:30):
Real estate agents are not lawyers, even though many like
to pretend like they are. One of the biggest fears
that I've heard from this community as to why they
choose No.
Speaker 2 (02:02:37):
Now, I want to say something about that. Actually, in Colorado,
in the statute where that deals with licensing of real
estate brokers, it actually says that real estate brokers in
the state of Colorado have a limited practice of law
having to do with the transaction at hand. They literally
(02:02:58):
are licensed to practice limited law for the negotiation and
process and consultation of the contract. Did you ever read that?
Did you ever read that? Yes, and people don't understand that.
But they actually can act as lawyers for that transaction
(02:03:18):
and their client's best interest.
Speaker 6 (02:03:20):
Yes, we can write contracts right within those states and
negotiate them and rewrite them, and do get and advise
them on the contract.
Speaker 8 (02:03:29):
We can.
Speaker 6 (02:03:29):
Our contract also does stipulate and say that it is
a legal document and that we are not an actual attorney.
Speaker 2 (02:03:35):
Right.
Speaker 5 (02:03:35):
They can have them.
Speaker 20 (02:03:36):
Reviewed, right of course, and they should, in my opinion,
ought to represent themselves in a real estate transaction is a.
Speaker 2 (02:03:42):
Legal risk, and I get it.
Speaker 20 (02:03:43):
Contracts, disclosures, contingencies, it all sounds like a total minefield.
Speaker 2 (02:03:48):
But here's the reality.
Speaker 20 (02:03:50):
Most real estate contracts are just standardized templates. Agents are
not drafting big legal agreements.
Speaker 2 (02:03:55):
That's true.
Speaker 5 (02:03:56):
Yes, we do have a standard contract that we fill out.
Speaker 6 (02:03:58):
And then you have additional provisions, provisions we write things.
Speaker 2 (02:04:01):
Okay, so by the way, let me just turn them off.
I like people who want to improve industries and stuff,
but I don't see, really the real estate industry is
being broken right now. I just feel like there's a
lot of people that don't do their job. But what
can you do about that? You weed them out. A
lot of people go with friends and friends. They don't
actually investigate a real estate broker. They don't investigate the
(02:04:26):
track record. So the question is how do you do that?
How do you do it? So let's ask how would
you check out a real estate person? Am I allowed
to ask? I'd like to know the last ten people
you've closed, and can you ask about their performance? Of
course you can, right, I.
Speaker 5 (02:04:45):
Don't know that I would give out names without my
client situation.
Speaker 2 (02:04:49):
How about days on market? What did you sell it
for what was the asking price?
Speaker 6 (02:04:54):
Things like that, Yeah, you know, and for me personally
in that arena, I take on such a diverse I
guess property types and special circumstances. So sometimes like just
you know, my statistics and things are not always you know,
I take.
Speaker 2 (02:05:11):
They're not always at they're not always sale because.
Speaker 6 (02:05:14):
I'm taking on homes that are going to be more difficult, right.
Speaker 5 (02:05:18):
But one thing that I do, even in.
Speaker 6 (02:05:20):
That type of an instance is I am keeping my
client fully in fold. I'm giving them, you know, updates
on views. I mean, it's a process in working with me.
I'm not the agent that disappears.
Speaker 5 (02:05:32):
And you hear you see me put a sign up
and I show up at clothes. It's not how it works.
Speaker 2 (02:05:36):
Now, somebody asks, really, if you don't have a real
estate broker and you do it for sale by owner,
how do you deal with other agents? And that's a
good question. So you would have to when you advertise
probably say what something about a co op or not?
I mean like like do you shy away from for
sale by owners? Now, if you are a buyer broker
(02:05:58):
and you see somebody selling a house, do you think
to yourself, I want to stay away from that.
Speaker 8 (02:06:03):
Not at all.
Speaker 6 (02:06:04):
If it's the house that fits my client's needs, then
I would have.
Speaker 2 (02:06:07):
How does that work? You negotiate with the owner then.
Speaker 6 (02:06:09):
Directly, I would so keep in mind, I've already negotiated
with my buyer what my commission is going to look
like in my contract, right and I have that's between
my buyer and myself.
Speaker 5 (02:06:19):
So then I would go to this owner of this home.
Speaker 6 (02:06:22):
I would disclose my position as my client's agent, because
we have to make a formula.
Speaker 2 (02:06:26):
I'm representing this person who's interested in your house? Now
do you ask the seller?
Speaker 6 (02:06:30):
Would ask them, you know, are you willing to pay
to cover any commissions? Because I do, you know, depending
on the agreement, I have to get my agent or
my buyer.
Speaker 2 (02:06:39):
I don't have to inform them, So okay, Dmitri Deputy
d had a question he wanted to give to Stephanie.
Speaker 14 (02:06:45):
Go ahead, Stephanie, it's so nice to have a real
estate professional to ask all these questions. Go ahead here, Hey,
Not long ago, I went looked at some five acre
properties kind of like around the Sedalia area much to
build a home. And I drove past a property that
was neighboring one that I was looking at, and it
was a beautiful home built on like a modern, very
(02:07:05):
stately home. And I was surprised to see a couple
of cows hanging around in the back of the house.
And I was told and as I drove around the neighborhood,
I saw miniature donkeys things like that, And somebody told
me that's because these homes or these properties get some
sort of an ag taxation level as opposed to a
regular residential taxation level.
Speaker 2 (02:07:26):
How does this work?
Speaker 5 (02:07:27):
That's going to be something. Honestly, you're going to have
to talk with the county directory.
Speaker 2 (02:07:30):
I can't what were you. I wasn't paying attention. I
was reading a text. You're you're asking, how do you
change the nature of the zoning?
Speaker 18 (02:07:37):
Well, no, I was.
Speaker 14 (02:07:38):
So I saw a couple of cows hanging out behind
a three million dollar home, and I was told that
it was probably because they added the cows in order
for that property to qualify first.
Speaker 2 (02:07:49):
Now ag land, No, that's not true. No, here that works.
Let me explain this to you. You don't ever have
to have a cattle, any cattle to be agg if
it's zone at its own act, you go on there,
you don't have to do anything. You don't have to
buy cows, you don't have to do that's a misnomer
or a misunderstanding. So how do you can go from
residential to agricultural? If you are big enough and fit
(02:08:11):
all the criteria, and then you have to go or criteria,
you have to go around to the neighbors and get
the adjacent property owners, and it's a zoning change. Very
seldom do people go from regular residential to agriculture. Usually
the agriculture and residential areas have been preset in a
masterplan and zoning and they stay that way. So if
you move into an ag property and you don't use
(02:08:34):
it for ag you're not going to have it taken away. Oh,
they don't take it away. It's an ag property. Now,
in some cases, when you try to become ag you
have to show an agricultural purpose, which is weird. But
you don't have to do it the other way around.
You don't have to do it to maintain it and
to keep it. Very seldom will the taxing authorities bother
you saying, by the way, you don't have any cattle here,
(02:08:56):
why are you paying agricultural taxes? Because I'm in an
agri cultural area. And I've dealt with this for so
many years. When I developed subdivisions, we had agricultural zoning.
We had thirty five acres lots, and people paid very
low taxes compared to the amount of home and everything
they were putting on there. So it was a benefit
to have agricultural zoning. But you don't go there and
(02:09:19):
change it to agricultural easily, and a couple of cows
won't do it either. But one of the easiest ways
to get agricultural zoning would have adjacent property that's already agricultural.
Then you have the neighbors who say, yeah, fine, because
then you have your land is opened up for grazing
unless you fence them out.
Speaker 14 (02:09:40):
Oh and then would I have to go out and
buy some animals. No, oh no, you can just if
you're adjacent.
Speaker 2 (02:09:46):
If you're adjacent to agricultural property, you can have grazing land.
You don't have to have the you don't have to
have cattle to have grazing land. And because of the
fence out provisions in the state, which says if you
want to keep cattle from great, you got to fence
him out. Then you just tell your neighbors, by the way.
Speaker 9 (02:10:03):
Have at it.
Speaker 12 (02:10:04):
Oh what if my neighbors don't have any cows, Well.
Speaker 2 (02:10:07):
Then it doesn't matter. They very seldom get into the weeds,
no pun intended. It's just about the actual use of
the property. Now sometimes they can. They might be getting
more straight because they don't want to lose uh the
test revenue. Yes, go with a sure thing Denver's best
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(02:10:34):
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(02:10:55):
I'm Tom Martino, You're troubleshooter three O three seven to
one three talk seven one three eight two five five.
I so sympathize with people who are looking for relief
from pain from these elbows, shoulders, arms, legs, back, lower back, neck,
(02:11:18):
and we go to such incredible lengths. I can't tell
you how much I invested in all of not all,
in many of these so called solutions or cures. And
I'm just going to tell you this straight up. There
is no cure, no cure for arthritis. Most everything comes
from inflammation. Inflammation is the first part of pain, and
(02:11:46):
I'm not talking about just inflammation of one joint. I'm
talking about systemic inflammation, usually caused by something called glycation,
which is sugar in your blood everything. Sugar's the root
of all no carbs and sugar. It's because a bowl
of pasta, a bowl of sugar, and a bowl of
potatoes are exactly the same. People think they're different, they're not.
(02:12:08):
You may have some different times of absorption into your
blood system, which can be more healthy I guess, a
more healthy poison. You could have something that is absorbed
slower and it has a better glycemic indexed And if
you combine that with fiber, you could have a healthful
food and the sugar is not going to hurt you.
(02:12:29):
I don't want to get into that. What I want
to say is this, So you have a combination bill
of ingredients and they're all mixed, matched, and they give
it a name, but it all boils down to some
of the best joint and tendon support in supplements glucosamine,
chondroit collagen, something called MSM it's methyl sulfony methane. And
(02:12:58):
then you have omega three fatty acids. Preotine also helps,
and protein, vitamin D, magnesium what you're going to find,
and sometimes tumoric as anti inflammatories. So what you will
find all of these are going to be mixed in
a formulation and sold to you as something magical like
(02:13:22):
omega xl okay. So if you're asking my opinion on
any of these, I'm going to tell you they all
have Literally they all have the stuff you need to
support your joints and your tendons and your muscles. But
you can buy the supplements on your own and pay
(02:13:45):
much less than these formulations. Does that make sense to you? Bill?
Is Bill still there?
Speaker 13 (02:13:54):
Yeah?
Speaker 7 (02:13:55):
Can you hear me?
Speaker 2 (02:13:55):
Ton? Hello? Yes?
Speaker 14 (02:13:57):
I can.
Speaker 2 (02:13:58):
So do you have any follow up questions?
Speaker 1 (02:14:01):
Who my brother does ostel ostel biflex?
Speaker 6 (02:14:05):
And I'm sure it's the same same answer.
Speaker 2 (02:14:11):
Well, it is what what what condition does he have?
What condition it does he have? I'm not a doctor.
I mean, I'm just asking.
Speaker 7 (02:14:19):
I know, I don't want to hear you're talking.
Speaker 1 (02:14:21):
Everything is everything you mentioned.
Speaker 7 (02:14:23):
I told him the best plant, the best thing is exercise.
Speaker 13 (02:14:26):
But that's that's all I can say.
Speaker 2 (02:14:28):
Well, you know again, I'm not I'm not going to
pretend I know medical and medicine and health, but I
will say this movement lotion. Motion is lotion. If you
don't move it, and if you start catering to it,
you compound your problems. Now, that doesn't mean you know
if somebody has a crack or something in their hip.
(02:14:50):
I don't want to tell people to work out if
they shouldn't be working out, But in most cases you're right.
For osteoporosis, for arthritis, for any of that movement. It
helps movement and keeping yourself in motion. Also, light weight
and stretching. Stretching is important to keep you limber. And
(02:15:14):
then lightweights. I don't mean lightweight, but I mean weights
that you can exercise the muscle and keep it fit
because we're going to atrophy. I bet you bet our age,
I say our age. How old are you, sir?
Speaker 7 (02:15:31):
I'm seventy six, going to be seventy seven here shortly?
Speaker 2 (02:15:34):
Okay, we're in the same group. I'm seventy one. So
here's the bottom line. At our age, you atrophy. If
you don't do anything, your muscles are going to deteriorate
two to four percent a year just sitting there. So
you want to do anything it takes. And you know
here there are two exercises that are the best exercises
in the entire world. One is walking, yep, and one
(02:15:58):
is swimming. Out as far as walking, when they did
the Blue Zone Study of longevity, they found that walking
was in common with everyone who had the longest life spans.
And it is not even vigorous walking, just walking. Just
(02:16:19):
walking the number one most underrated exercise in the world.
Speed Walking is pretty good, but it can be hard
on joints. Running is not good for you, even though
running enthusiasts will tell you it is. It is not
good for you it artificially. It puts too much stress
on your joints and on everything. So again, you know,
(02:16:40):
if people love it as a passion, I'm not going
to tell them not to do it. Cycling is a
wonderful form of exercise as well. But what you should
do you go to a whole foods or you go
somewhere where they have supplements or I like life extension
I think it's called Life Extension online or Amazon, and
you order, you order the substances that are known to
(02:17:03):
support joints and tendons and muscles, and you can look
that up anywhere, just google it and then get a
few of these substances. Yeah. So so bottom line, Bill,
don't don't fall for these fricking cures and magic formulas.
I can't stand them. And you know what, I really
(02:17:24):
I know. Relief Factor is a really really big advertiser
on all radio and some of my affiliates and some
of my people might be upset with me saying this,
but there's nothing magical about it. Thank you for calling
three oh three, seven to one, three talks seven one
three eight two five five
The Troubleshooter News
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